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Company chooses not to provide a public response
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Due to a recent ( successful ) credit card application, I received a notice that I could get a free credit report within 60 days. The notice gave a phone no. for Experian ( XXXX ) which I called. After answering the prompts on the phone tree, I got a message that said if I did n't have internet access, to stay on the line to get a report mailed to me. I waited and the message cycled through 3 times then said something like, " I 'm sorry you 're having trouble. Pls try again later. Goodbye. '' I called again and this time, pressed " XXXX '' at that same point, which was for people who wanted their free annual report. ( Since I was n't trying to get that, well, I did n't know if it was the same thing or not, I did n't go that direction on my first pass. ) So, from " XXXX '', I got a message that said to go to the website and, eventually, ended the call, similar to the first time. ( One of the options in the phone tree was for those who had received a negative response to a credit application. I did n't go that route because I had received a positive response. ) The bottom line is that Experian says they will mail you a copy of your credit report and that you can order it by phone but then, it does not let you do that. Now, I came over to a relative 's house to use the computer and went to Experian.com, where they list a 2nd number to call ( XXXX ). I did so and got the exact same phone tree and the exact same recordings that led nowhere. It was the same as the first time, I called and pressed " XXXX '' and waited there until they hung up on me, called back and pressed " XXXX '' until they, again, hung up on me.
Luckily, for me, I have fairly reliable computer access, so it 's not a big deal but what does someone with no access to computers do? Experian 's phone response is all automated, so it 's impossible to actually talk to anyone and ask questions, get help, etc. Experian is not servicing our consumer community as it purports to nor is it servicing us as I understand it is obliged to by law. What do you think?
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Company chooses not to provide a public response
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On XXXX I had a online email stating my credit card account was showing on " Notice of suspended Online Bill Payment service '' so I called citi bank customer service immediately after receiving the email, spoke to XXXX XXXX same day & she explained that a payment showed returned, because the account was not found, it then made me realize perhaps it was an old inactive account still showing in history, so I said ok, it was probably an error that account was used, and she agreed too and waived return fee, also I paid through the phone with XXXX, so we could restore the account in good positive status. Next day found out my account had been closed, I called customer service again mentioned only the night before spoke to XXXX XXXX, she did n't tell me anything about the account being closed or going to that status, and infact saw everything fine from her end. I was advised today that in order to open the account they need to do another credit inquiry, I do n't feel this is fair at all given I made all and any attempts to resolve as per the direction of Citi banks email to contact customer service. I resolved things from my end, paid the balances owed from my debit card on the phone and still the account went to closed. I am worried this will affect my credit score, as they will now report the account closed, and also worried that by re-opening the account they need to do another credit inquiry which is not necessary. They are saying to me there is no other way, but asked me to write to the president of citi bank for him to review my request, I will send the letter XXXX in the mail but need help also from an agency like your 's to please review my case, this is not the right way for credit card companies to take advantage of customers. I did everything in my power to call the customer service and resolve things from my end immediately, they should n't have closed my account when I made a payment through customer service that went through just the night before. This has put a very concerning view on Citi Bank 's practices especially since I have been with them for 4 years and currently even have another credit card with them in good standing and active status.
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Company chooses not to provide a public response
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this is such a long story, but I will try and make it brief. I have a credit card from US Bank. It ha a large balance, but I always make my payments. After my divorce settlement was finished, I called US Bank, made it so the account could not be used, and started making payments. On the card they show you XXXX options, XXXX is the minimum payment which takes 20 years to pay off, the next options is a large payment that takes only 3 years to pay off. I took the 3 year plan and for the past year I have made my payment on time and in some case XXXX payments a month. Recently I received a letter from US bank. It said that they looked at my account and determined they needed to raise my interest rate to 24 % I was astounded, why I asked myself, this was unfair, and unwarranted. I called, spoke to several people in different departments. They all said the same thing, there was nothing they could do. I lived in NY for a long time, we would call this kind of practice Loan Sharking. I do n't know how they get away with it.
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Company chooses not to provide a public response
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When we purchased a large-format, curved-screen TV at Best Buy, we were offered an extended warranty. We declined. Some days later, we received a call from the extended-warranty people, asking if we had made a mistake, warning that we should buy the warranty.
I was tired, and rather frightened and intimidated by the caller. I submitted, and bought the extended warranty. Afterwards, I came to my senses, and realized that the one-year warranty, which came with the purchase, was sufficient. We did not need or want the extended warranty.
I called to decline the warranty, and request a pro-rated refund. The person said that it may take " XXXX or XXXX billing cycles. '' This credit company ( Synchrony ) is not alone.
This customary delay seems to me an obvious ploy by credit-card companies. They could make refunds immediately, or nearly so, if they wanted. At most, they might require XXXX or two business days, not XXXX or XXXX billing cycles.
Just as they are able to charge consumers immediately, or nearly so, they could refund their money, if they wanted to play fairly, by the same rules, as with consumers.
I hope the Consumer Protection Bureau might be able to intervene, and protect consumers from this predatory abuse, and common practice, of credit-card companies. Thank you.
XXXX XXXX XXXX XXXXXXXXXXXX
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Company chooses not to provide a public response
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Bought house in 2009. Needed to refinance a few years later, due to extreme decrease in income. Wells Fargo ( initially Wachovia ) stated not to pay mortgage for a few months as to prove I could not make current payments, and they would be more likely to be able to refi thru XXXX program. Started making 'trial ' payments while getting paperwork finalized. During process, paperwork procedures changed, and no payments were recorded, to which I switched gears and went thru XXXX to save my home. Wells Fargo HAD to approve program for me to be in it, which included WF receiving funds to bring mortgage current. Wells Fargo was receiving monthly payments from XXXX, and FORECLOSED ON MY HOME WHILE THEY WERE RECEIVING MONTHLY PAYMENTS FROM XXXX, unbeknownst to me. Immediately when payments were done, I contacted WF to finish remodification, to which I was told I would be able to save my home. I worked with the SAME preservation specialist for the next several months XXXX in getting all needed paperwork and signatures to them. The last conversation I had with specialist, was to call the next day after all paperwork was sent in ( for the 3rd time ) and they would be able to give my my new mortgage payment. When I called, as instructed the next day, the SAME specialist told me that WF foreclosed my home 8 months prior. When asked why this information was just being told to me, it was stated that she did n't know this whole time. I called XXXX more time after this to discuss, and was told EVERY time I called, that I would be able to remodify. I then told whichever specialists I spoke to that I was told that WF foreclosed my home, to which they would put me on hold for 20 minutes, then come back and say 'oh yes, sorry. nothing we can do. ' In addition, thruout this entire process, WF has been sending any correspondence to a lawyer, who 's services are no longer retained nor have they been for this whole process, to which WF has been notified several times. In addition, have not been able to make any updates on this home that I have worked so hard to get and to keep. I have done everything WF has instructed me to do, every step of the way, and lost money, a good credit history, faith and countless hours in this.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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The account on my credit report for XXXX XXXX was not opened or owned by me. I have reported this to trans union and XXXX but was told it meets fcc rules. Well show me where I signed or used an address associated with me. This is not my account and was opened without my permission.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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XXXX XXXX, XXXX The Bank of New York - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , California XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, CA XXXX Subject : DEMAND TO PRODUCE THE REQUIRED DOCUMENTS WITHIN 15 DAYS Dear XXXX XXXX, SB 233 TITLE 1.6C.5. FAIR DEBT BUYING PRACTICES PLEASE TAKE NOTICE that pursuant to XXXX.
( a ) As used in this title : ( 1 ) " Debt buyer '' means a person or entity that is regularly engaged in the business of purchasing charged-off consumer debt for collection purposes, whether it collects the debt itself, hires a third party for collection, or hires an attorney-at-law for collection litigation. " Debt buyer '' does not mean a person or entity that acquires a charged-off consumer debt incidental to the purchase of a portfolio predominantly consisting of consumer debt that has not been charged off.
( 2 ) " Charged-off consumer debt '' means a consumer debt that has been removed from a creditor 's books as an asset and treated as a loss or expense.
( b ) The acquisition by a check services company of the right to collect on a paper or electronic check instrument, including an Automated Clearing House item, that has been returned unpaid to a merchant does not constitute a purchase of delinquent consumer debt under this title.
( c ) Terms defined in Title 1.6C ( commencing with Section 1788 ) shall apply to this title.
( d ) This title shall apply to debt buyers with respect to all consumer debt sold or resold on or after XXXX XXXX, XXXX.
PLEASE TAKE NOTICE, pursuant to 1788.52.
( a ) A debt buyer shall not make any written statement to a debtor in an attempt to collect a consumer debt unless the debt buyer possesses the following information : ( XXXX ) That the debt buyer is the sole owner of the debt at issue or has authority to assert the rights of all owners of the debt.
( 2 ) The debt balance at charge off and an explanation of the amount, nature, and reason for all post-charge-off interest and fees, if any, imposed by the charge-off creditor or any subsequent purchasers of the debt. This paragraph shall not be deemed to require a specific itemization, but the explanation shall identify separately the charge-off balance, the total of any post-charge-off interest, and the total of any post-charge-off fees.
( 3 ) The date of default or the date of the last payment.
( 4 ) The name and an address of the charge-off creditor at the time of charge off, and the charge-off creditor 's account number associated with the debt. The charge-off creditor 's name and address shall be in sufficient form so as to reasonably identify the charge-off creditor.
( 5 ) The name and last known address of the debtor as they appeared in the charge-off creditor 's records prior to the sale of the debt. If the debt was sold prior to XXXX XXXX, XXXX, the name and last known address of the debtor as they appeared in the debt owner 's records on XXXX XXXX, XXXX, shall be sufficient.
( 6 ) The names and addresses of all persons or entities that purchased the debt after charge off, including the debt buyer making the written statement. The names and addresses shall be in sufficient form so as to reasonably identify each such purchaser.
PLEASE ANSWER THE DEMAND FOR PRODUCTION OF DOCUMENT WITHIN THE 15 DAYS AS REQUIRED BY LAW, WITHOUT ANY FURTHER DELAYS OR REQUESTS FOR RESEARCH EXTENSIONS, INCLUDING BUT NOT LIMITED TO WIRE TRANSFERS etc. see attached letter for complete Demand Letter. Failure to comply results in immediate NON COMPLIANCE AND DEFAULT WITHOUT THE RIGHT TO RESERVE ANY INTEREST IN THE SUBJECT PROPERTY.
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Company believes it acted appropriately as authorized by contract or law
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They call from multiple numbers sometimes from different states to get people to pickup. So far this month I have received 5 calls. I do not want to talk to this woman who has my case file. I have never had issues with collectors beforw. But this whole thing seems fishy to me. When I got evicted I only owed XXXX that was what was on my eviction notice. About 7 months later I get a call in the middle of my college class, not one call almost about 10 to 20. I thought someone in my family died. The lady would n't let me get off the phone to go back to class and so I hung up. Week or so later I get another call, and I 'm trying to figure things out there were some issues with the apartment like mold that I needed to get an answer for and she kept talking over me yelling saying that I said I 'm refusing to pay the debt, that I have n't given anything in 6 months and that I 'm irresponsible and that she was going to call the apartment complex I rented from that I qas evicted. Now I disclosed to my landlord that I was evicted and I rent from a place that allows to rent with evictions so I covered my XXXX. They threatened to call my parents who have no connection to the lease I signed for the apartment I got evicted from and I told them they were not to do that because they did n't sign anything and we 're not liable and could n't help me out anyway. I just got berated and talked over the whole time. They call me at least 5 to 10 times a month. I got some legal advice because apparently they are tacking on interest to my bill which when I got the letter from them finally saying what I owed it had gone from the XXXX on my eviction notice to XXXX dollars and now I 'm up to almost XXXX dollars. I do n't give them anything because I have n't received a statement of everything I have charged for the lady told me over the phone, but I do n't even know what I am paying for. I feel violated and do not appreciate the aggressive behavior that has been exhibited by them. I also asked to speak to the owner or the head of the company and they refused to connect me with him so I do n't know what 's going on. I looked them up online and there are pages of complaints by people saying the same thing I have they get harassed, multiple phone calls, threats to call third parties, threats to call apartments we rent from. I just wanted to let y'all know that I read the fair renters act or law and they break quite a few things on it. I also got asked to settle by XX/XX/XXXX for XXXX or something like that and XXXX by XX/XX/XXXX. With my job I ca n't make that ever, not even close I work for tips and even if I worked every day all day the entire month I would be nowhere close to that. They seem to set high high expectations and I ca n't do it.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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The Citi ( MasterCard ) Double Cash card offers a price rewind program, where your purchase price is tracked for 60 days, & if a lower price is found within that 60 days, they refund you the difference between what you paid & the lowest price that was found ( The program excludes taxes/fees from the total price calculation, & only covers the purchase price of the item itself ).
On XXXX/XXXX/XXXX, I purchased a television from a local retailer at a purchase price of {$1100.00} ( excluding taxes/fees, see attachment ). A lower price of {$990.00} was found, and the search for a lower price ended on XXXX/XXXX/XXXX. I filed a claim for the refund of the difference ( {$180.00} ) on XXXX/XXXX/XXXX, to which my refund claim was denied later the same month. The denial reason was justified as " the item you purchased does not match the tracked item ''.
The website does not specify that a specific model number is needed as part of the refund process, and the item I purchased matches the description of the covered item ( See Attachment ). As shown, the selected item is a " Samsung 55 '' Class Curved 4K Ultra HD LED Smart TV '', & the item that I purchased is a Samsung 55 '' Class Curved 4K Ultra HD LED Smart TV, with no specified model number or type.
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Company believes it acted appropriately as authorized by contract or law
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I am being improperly charged PMI after multiple requests for cancellation by Pinnacle Capital Mortage Corp ( XXXX ). My loan-to-value ratio is now at XXXX % and I am still being charged PMI despite multiple written and oral requests for cancellation. I have held my loan for more than 2 years and have had no missed or late payments. My lender has engaged in systematic obfuscation, including providing multiple mailing addresses to send written requests for cancellation, failing to acknowledge receipt of written requests, and misquoting Homeowner 's Protection Act laws to dissuade me from pursuing PMI cancellation.
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Company chooses not to provide a public response
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I was informed on XXXX/XXXX/XXXX that I had been sued and that my wages were being garnished. I was advised that a debt from XXXX was purchased by the company XXXX XXXX. I was never served or notified that I was being sued in court. As a result of this I have to quit my job because I do not have sufficient funds to support me and my family and fuel my vehicle to get to work. These people purchased the debt after being written off from the original credit card company and doubled the amount claiming interested. A {$12000.00} debt has now become a {$58000.00} debt because this company has added an outrageous amount of interest, and fees.
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Company chooses not to provide a public response
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Moved from an apartment that I lived in XXXX, Fl. Companies name was XXXX XXXX and I was laid off of my job and rent was more than unemployment gor the month. I wrote them a letter expressing my concerns and got no response I moved out XX/XX/2014. I put down a {$1500.00} deposit when I moved in they took that and said i owed for {$1700.00} misc. Things that were not true. I tried calling the company to show I left the apartment in mint condition. All they sent me was the lease. I have made numerous attempts to get this off of my credit because its the only collection I have. I am looking forward to buying a house and I need this removed.
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Company chooses not to provide a public response
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On XXXX XXXX I received a BALANCE DUE NOTICE to renew my home insurance policy ( XXXX to XXXX ) from XXXX XXXX XXXX company.This notice also indicated that Bank of America ( XXXX XXXX, CALIFORNIA ) is responsible for the balance due.On XXXX XXXX XXXX sent me a NOTICE of CANCELLATION of my home insurance policy effective XXXX because the BALANCE DUE AMOUNT billed to Bank of America ( XXXX XXXX XXXX CALIFORNIA ) was not paid. Thereafter a letter was mailed to me from Bank of America INSURANCE DEPT. ( XXXX XXXX, TEXAS ), dated XXXX XXXX, it stated that my home insurance policy coverage has expired and they do not have an evidence that I obtained a new coverage. I was instructed to immediately provide evidence of a new home insurance policy coverage or they will pay for the new coverage which will be more expensive for me. I contacted the Bank of America INSURANCE DEPT. ( XXXX XXXX, TEXAS ) and informed the representative ( XXXX ) that my ESCROW ACCOUNT with Bank of America ( XXXX XXXX, CALIFORNIA ) is responsible for my home insurance policy payment. The following is the representative 's response to me : ( 1 ) I am no longer with Bank of America ( XXXX XXXX, CALIFORNIA ). ( 2 ) My account was transferred to Bank of America ( XXXX, FLORIDA ). ( 3 ) My monthly mortgage payment is low so I should be able to afford paying for my home insurance policy coverage.I question the representative why I did not received a notification of this transfer.He apologized and strongly insisted that I pay and obtain the new home insurance policy. I objected. Afterwards, Bank of America INSURANCE DEPT. ( XXXX XXXX, TEXAS ) sent me a SECOND and FINAL NOTICE, dated XXXX XXXX, notifying me to obtain the new home insurance policy coverage or they will provide it at an expensive cost to me.And they did. A Bank of America INSURANCE DEPT. ( XXXX, TEXAS ) letter.dated XXXX, that I received notified me that they have acquired the new home insurance policy coverage including the proof of coverage and how much more I have to pay them. According to Bank of America INSURANCE DEPT. ( XXXX. XXXX, TEXAS ) my account was transferred from Bank of America XXXX XXXX, CALIFORNIA to Bank of America XXXX, FLORIDA. However, I received a letter from Bank of America XXXX XXXX, CALIFORNIA, dated XXXX XXXX, informing me that my ESCROW ACCOUNT payment will increase, hence, my monthly mortgage payment also, effective XXXX XXXX ( from {$1200.00} to {$1500.00} ) .They also provided a copy of the SUMMARY of my XXXX ESCROW PAYMENTS and REIMBURSEMENTS which confirm that they paid the ANNUAL PREMIUM AMOUNT to RENEW MY HOME INSURANCE POLICY COVERAGE on XXXX at the amount of {$1400.00}. I do not really know who to believe and what to do now. I am a senior citizen and an XXXX veteran. PLEASE HELP!!!
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Company believes it acted appropriately as authorized by contract or law
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I purchased a vehicle from Car-Mart on XXXX XXXX, XXXX. I was advised that my pay history would be reported to my credit monthly, and it has not been. I bought a one year warranty for the vehicle that was offered to me from Car-Mart due to the vehicle being used. The vehicle was a XXXX XXXX XXXX. In the year and one month that I had the vehicle, my payments were always on time. I was only able to drive the vehicle half of the time I had it due to it being in the shop so often. I had several meetings with the Car-Mart staff and each time, they assured me that they fixed the problem. I told them each time that I brought the vehicle back to the shop that when the vehicle fills up with gas, it shuts off, typically while I am driving down the road. They tried to make it right at first by what I thought was a discount on the car loan, but it turns out that they were just modifying the loan and pushing payments further. I asked for follow up phone calls from management at Car-Mart and never heard anything. I talked to the Service Manager, XXXX, who advised that they really were n't sure what the problem is and that they just keep throwing parts at the vehicle to see if that fixes the problem. I 've been going through this nightmare for an entire year and having to get alternate transportation while my XXXX was being worked on. I was never offered another vehicle to drive and kept paying {$50.00} for a deductible each time the XXXX went into the shop for the same reason over and over again. I had several conversations with XXXX and XXXX at Car-Mart and they were uninterested in finding a solution to this issue. I finally talked to XXXX, the finance manager, last week when she called because I told XXXX I still had n't heard from XXXX or XXXX as promised. She asked what we could do to rectify the situation. I advised that at this point, I would just like to have a clean slate, give the XXXX back and not have to pay for a broken vehicle anymore. She asked again if there was anything else they could do and I said no. She said she would try to come up with something else by the time I came in, but that it was okay to give the XXXX back with a clean slate. When I walked into Car-Mart to get my personal items out of the vehicle, they had voluntary repossession paperwork that they said I had to sign in order to get my stuff back. I advised that I will not be signing the papers due to this not being a voluntary repossession and it being that they sold me a lemon vehicle and that XXXX had advised this would be a clean break. They said that this had to be signed in order for me to get my stuff. I said no and they wrote on the paperwork that I refused to sign the documents. I asked for a copy of my file and XXXX advised that the paperwork was Car-Mart property and that I would get my " notice. '' The tone in which it was said was threatening as if I would face financial or credit-impacting consequences for releasing the jeep. It is my opinion that Car-Mart is fraudulently selling cars to people that are trying to get back on their feet that are damaged and not in good working order and charging fees ( warranty deductible ) to incorporate more revenue into their business.
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Company believes the complaint is the result of a misunderstanding
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I was Leasing a house with XXXX other roommates. Vacated the property on XXXX XXXX - started receiving letters months later from Hunter Warfield that I owed in excess of {$3600.00} after my {$1000.00} security deposit was applied. I never received written notice from landlord stating my rights as a tenant to contest charges. I have repeatedly asked for invoices as to the damage and have been hung up on, harassed when I am working and am badgered with lawsuits, being told I have to get an attorney and that my credit will be wrecked if I do not pay. No one is willing to verify that this debt is accurate and when asked for copies of invoices I am told to get an attorney. I am a XXXX year old XXXX XXXX student supporting my way and do not have the luxury of an attorney. XXXX Statutes mandate that I am to be sent a written letter explaining the charges, the reasoning my security deposit is held and my rights to dispute and I have never received anything like that. I am told that they have photo 's, but I have photo 's date and time stamped as well proving many of the charges were falsified. I was told also that the leasing company is too big to provide the invoices so I should get an attorney just to verify that these charges are accurate. The charges were reported the day I vacated the property - how a house can have drywall, painting, cleaning all in the same day I moved out is ridiculous. The removal of items that they are claiming as well charging me for, are in my friends garage so obviously the leasing company went to our house prior to our move out. These charges make no sense, I was never officially notified by the leasing company and the debt collectors Hunter Warfield have no proof that the debt is even accurate but are putting on my credit report. The only proof of any letter sent by leasing company was to my former roommate. There is nothing showing my name.
This is the email sent when I requested invoices " XXXX, Your lawyer can request invoices, not you I can share the pictures of the damage you were charged for as I did with XXXX. You must dispute the charges with a lawyer.
They are not that easy to get, this is the XXXX largest XXXX single family home company in the XXXX and all is in XXXX through XXXX. Just dispute with a lawyer and have him request. '' This does not seem fair or legal to just put blanket charges on an invoice and give to collection agency.
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Company chooses not to provide a public response
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A medical collection account of {$100.00} is being reported in my Experian credit report. This is the only agency reports it. I disputed this information with the Experian. I received a response stating that they verified the information. Since the reporting agency claims the account was validated, I disputed the account with the reporting collection agency.
The collection agency did not reply to my validation request. Since I could n't get a response from the collection agency, I asked Experian to either share the information about who validated and what method was used to validate this alleged collection account or delete it from my report.
As a response, Experian send me a copy of my report again saying the account was disputed in XXXX 2015.
As of today, after XXXX disputes, Experian did neither delete nor properly investigated this account.
first dispute with Experian : XXXX 2015 Dispute with Collection agency : XXXX 2015 Second dispute with Experian : XXXX 2015
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Company chooses not to provide a public response
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While trying to access my Experian credit report, during the process to access my report, it asked " You have recently ( 2012 gotten a home loan or something to the effect of having a mortgage ). I live in a XXXX bedroom apartment that my mother helps me pay for. I have no credit accounts or loans from ANY company, just a debt that I owe to my mother that I am using my social security payments to help me repay.
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Company chooses not to provide a public response
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Bank of America sent me foreclosure notices and foreclosed on my property without giving proper notice. I filed Chapter XXXX Bankruptcy. XXXX, XXXX to stop the foreclosure. I was in a active Bankruptcy when notice of the foreclosure sale was given.The Bankruptcy was dismissed XXXX XXXX, XXXX and my property was foreclosed on XXXX XXXX, XXXX.
My understanding of the Tennessee Bankruptcy laws is while I was in the Bankruptcy I was protected by a Federal Bankruptcy stay and the foreclosure process never should have started. The Foreclosure attorneys for Bank of America and Bank Of America proceeded with foreclosure even though I was under Bankruptcy protection. I do know i was suppose to receive notice of intent of the property sale after my Bankruptcy was dismissed. I want the the foreclosure rescinded and the deed reinstated. I 'm prepared to file a lawsuit if necessary for damages and to get my home back..
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Company chooses not to provide a public response
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XX/XX/XXXX Wells Fargo Months Long Encounter * Why does it take 54 business days to fulfill my RESPA with no acknowledgement on their part of the delay except that there will be a delay. I thought only 45 days are allowed, including a 15 day extension, if granted.
* Why did I get XXXX identical letters dated the same, on the same subject from one rep.
* Why did I get a letter from ASC ( dated XX/XX/XXXX ) stating " if the foreclosure process has not yet started, it could begin at any time '' ( attached ) I 'm current in mortgage, tax and insurance payments as of that date of XXXX XXXX and as of this writing.
* In a later talk around this time and a letter dated XX/XX/XXXX, XXXX said the RESPA material would be sent along when they could send what they thought might be solution to my mortgage problem, probably around XX/XX/XXXX.
* She explained that the original mix-up was because 'most ' people who apply for mortgage modifications are behind in their payments already and that 's why I continue to get the " Foreclosure Help '' letters from ASC and probably why the first attempt in XX/XX/XXXX did n't go well. ( they 're " The Mortgage Company '', they have my records of payment, the info I sent along at the time in XX/XX/XXXX concerning my health status and financial records including bank statements which showed my most recent monthly payments on my mortgage. I do n't understand why they 're confused about my payment status ... ) * Why did they send a letter threatening to impose their own more expensive insurance ; I have an XXXX XXXX policy that I 've had for nearly 30 years ( I 'd thought of taking out a XXXX. cheaper policy but decided not to and let it lapse and that company notified WF/ASC ; but my XXXX was still in effect ... XXXX see attached phone records. ( ... I went to XXXX 's site, " XXXX '' to check XXXX info ; found though I 've had it since I bought this house, it was not listed as insurance carrier ; I entered all info for my XXXX policy even though it 's never been canceled or dropped and it 's been in effect during this cycle since XXXX/XXXX/XXXX and does n't expire until the same date in XX/XX/XXXX. Why was n't the XXXX I 've had for 28 years listed and only partial filled out listing of the temporary, canceled XXXX policy?. ) * My RESPA asked for a listing of my payment history since WF acquired my deed in XX/XX/XXXX ; when I received only a part fulfillment I was told they needed a more specific time period ; " since WF acquired my deed in XXXX '' seems fairly specific. At 54 days, I got the complete record from WF.
* How did my missing check payment happen to be credited to my account the same day as my wire transfer, XX/XX/XXXX?
* After all of this as outlined in more detail in the attached XXXX page " Phone Record '', why was I finally told by XXXX XXXX XXXX that because of my age and financial condition WF did n't see real possibility of help and that perhaps HARP could assist instead, this in spite of the following : Earlier this year, I found an interview by DiversityInc CEO XXXX XXXX with WF CEO XXXX XXXX on the net, it was specifically concerning sub-prime loans : XXXX ( " Select '', " Copy '', " Paste '' in Browser location window.. ) About XXXX the interviewer asks about Well Fargo 's outreach to people having difficulty making their payments, his reply : " As a matter of fact, that was the whole deal ; we went out as an outreach and we said, 'Dear customer, we know you 're struggling on this, how about if we reduce the principle or reduce the interest rate, or extend the term ; would that help you stay in your home? ' ; and I can tell you those customers will be customers for life when you extend yourself like that. '' No one from WF has ever talked to me the way CEO XXXX XXXX suggests in this video. Where 's the help?
XXXX Truncated Portions Cont 'd in Attached Support Material ... )
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Company can't verify or dispute the facts in the complaint
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I performed the initial steps to see loan refinance options with " Open Road Lending. '' They presented themselves as a middle man of sorts. They would find the best banks and then they would pass along the information. I received a call from one of their representatives stating that they could only talk on the phone. I called the customer representative and gave him the information. I informed him that my only income comes from a XXXX pension. He said, " you 're XXXX? '' I answered yes and said I was on this retirement for 5 years. He questioned how I can be XXXX and have been XXXX when I was XXXX. He then said " this is a problem, the banks wont like it. '' He promised a return call. All I received was an automated email. I wrote a certified letter to the company, asking for the removal of the inquiries. They sent back an official denial letter, stating that they are a dealership, not what they advertised. I submitted a review online to XXXX XXXX, and they responded by saying that they are not a dealership. This is definitely something that a layman would not have picked up, and is deceptive. Their comments regarding my XXXX were borderline harassment, and were discriminatory in nature. The banks that they did send it to were some credit unions in Texas, the same state that " Open Road Lending '' operates.
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Company believes it acted appropriately as authorized by contract or law
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There is a derogatory reference on my credit report from Jefferson Capital System ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX at XXXX ).
Approximately, three months ago, I disputed this adverse notice claiming I owed {$200.00} to XXXX XXXX. I contacted XXXX XXXX on the matter, and all they could tell me is that they sold the collection to Jefferson. I called Jefferson and they can not identify any outstanding claim. This is because I contested it on my credit report, and it was removed by the credit reporting agency, but now it is showing up again. I DO NOT OWE THIS MONEY. No one can tell me what this is for. I have had a XXXX XXXX account for over 10 years. I continue to pay and be in good standing, but this keeps showing up and no one can give me any information as to why it is a collection account. According to a XXXX Report, this was placed in collection on XXXX/XXXX/2015. I did n't owe this at this point. It was later updated on XX/XX/XXXX and still showing as a derogatory notice. This is adversely affecting my credit and if someone can not provide information to me about this, it should not be allowed to be reported.
when you call XXXX, an automated notice references that the account was sold. What company would sell an outstanding account if it is only placed in collection on XXXX/XXXX/2015. This is an error and it needs to be removed immediately.
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Company chooses not to provide a public response
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I opened a Sears credit card for the purpose of purchasing a washer/dryer pair from Sears XXXX store in XXXX 2015. I was told as my sister is my witness that by opening credit card account to make purchase and buy the warranty that if I paid the purchase in full in 6 months that the warranty would be free. By XXXX I had paid {$1000.00} which was the purchase price believing that my account had been paid in full and that the warranty price would be adjusted since payment in full had been made well before the 6 months. By late XXXX I continued to receive bills from Sears regarding the remaining balance. Believing this to be a mistake, I contacted the credit department before the XXXX XXXX, payment was due. I explained the situation to XXXX who offered to extend the promo for another 6 months while this concern was being resolved. I had spoken with XXXX and XXXX in XXXX, XXXX in XXXX and XXXX and XXXX in XXXX. Supposedly this has gone to store manager XXXX XXXX, district manager XXXX XXXX and most recently to XXXX XXXX regional manager. No one has contacted me to resolve this issue. I was given a case number and every time I called I have to explain this situation to every representative thinking someone is going to help me. This has been the worse customer experience I have ever received. XXXX did make contact with store while I held for 20 minutes. An assistant manager XXXX came on the phone and said he had no way to contact district manager which I find hard to believe. It appears they do n't want to deal with this because what I told obviously was not true. I was misled into opening the account and now I am paying for something that should have been free. This is dishonest and wrong. You ca n't mislead consumers. They need to refund what I have already paid since XXXX and adjust the remaining balance. Rest assure, I will make no further purchases from Sears. I thought they were reputable and would take quick steps to resolve this. The corporate escalations well as the stores are playing games. But this is not funny nor is it right. I wonder if the CEO is aware of how they are running this company. I 'm sure social media would have a field day knowing Sears and Citibank are scamming customers.
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Company can't verify or dispute the facts in the complaint
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I have a a unverified account from CHOICE RECOVERY Account # XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
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Company chooses not to provide a public response
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My attorneys and I have been trying to complete the sale of my home. We have been unable since 2015 due to the fact Specialized Loan Service refused and stated to us that Intervening/Mortgage assignment documents does n't exist leaving us with no option but to sit and continue to accumulate unfair fees and SLS lawyer and other fees. When my attorney asked XXXX and her supervisor for SLS attorney information they stated that they could not provide that to him. I have spoken to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and several other agents. My information continues to be passed and ignored. Today, instead of the mortgage assignment documents being sent to me. I received the mortgage assistance documents not what I asked for. I am a recently divorced mother of XXXX kids with no income due to a medical illness. I need to sell in order to care for my family, bills and my XXXX.
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Company chooses not to provide a public response
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Hello, My husband and I did a balance transfer to pay off our Home Depot card and we thought we had paid it off but there was a {$68.00} balance. We use to receive paper bills but somehow they stopped so we assumed it was paid in full. I checked my credit report a couple months after because I am in the process of getting pre-approved to buy my own place ( My husband and I are getting divorced ) and could n't understand why my credit score went from XXXX to XXXX and saw that Home Depot has reported us 2 months past due! I was so upset! I called Experian and they let me know only Home Depot could only fix it. We 've been cardholders for over 10 years, and have never been late on payments.
I called Home Depot they told me we had switched to e-statements to my husbands email address ( he never received them ) which we do n't recall doing. They said I could send a letter of explanation along with my full credit to their dispute department. Only to be rejected 5 weeks later stating that it was true and accurate information that I was late for the the payments. I let them know my husband and I are in the process of going through a divorce and my future depended on my good credit so I am able to buy my own place for my XXXX kids and myself. I am so furious that they wo n't even take into consideration our excellent credit standing with them or the circumstances behind it. How could we pay the {$68.00} balance when we had no idea it was due and they charged us several late fees on top of the small balance. We had paid them {$4400.00} via a balance transfer, what would make them them think we 'd be late on purpose to pay the remaining small amount we owed?
I am hoping you can please help me get these negative marks off of our credit. It is so disappointing. They also lowered our credit limit from {$5000.00} to {$500.00}.
I will never use their card again if they do n't adjust the negative marks! They clearly do n't value good customers.
I 've attached a letter I sent to Home Depot to dispute our account. I am hoping you are able to help me. Thank you in advance for your help.
Kind Regards, XXXX XXXX XXXX
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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Behind in payments on my daughters student loan, as co signor I got involved with the bank. On XXXX XXXX, 2015 they called and said I would have until XXXX XXXX, 2015 before it went to collection on XXXX XXXX, 2015. I made the payment that evening and it cleared that evening. The very next day the school paid the loan off in full without any communication with us either from the bank or the school. The school then sends the loan to collection without any communication with us and collection agency adds XXXX. I feel that the bank told me I had 30 days and the very next day closed the account out. Is this " fraud by deception ''? XXXX specialists from the bank assured me that the loan did NOT go into default and therefore was not going to collection.
XXXX
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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There is inaccurate information on my credit report. Attached you will find copy of a ledger that I received from the leasing office of XXXX XXXX XXXX.
The leasing office has confirmed that this has been reported as an error on their part. I was never evicted nor do I owe any money. I want this handled immediately, this inconvenience is preventing me from moving into an apartment that I was declined from due to such inaccurate report. This is an error/ incorrect information showing on my credit report, please remove.
For further questions, you can reach out to the apartment ( XXXX XXXX XXXX ) directly at XXXX.
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Company believes it acted appropriately as authorized by contract or law
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" Account Services '' is sending me letter and making threatening calls regarding an incorrect statement. In 2013 XXXX XXXX XXXX contacted me for the same and upon further investigation they suggested that I do n't owe anything and I have a letter stating that they were suspending all collections activity. I tried to explain the same to " Account Services '' and they are unwilling to listen to me and threatening to impact my credit score. My File # XXXX. I need help to resolve this matter as I do n't owe this money however I am being harassed and threatened by this company.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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Without my knowledge, my Macy 's account was tied to a separate American Express account. When I paid to the account number on my Macy 's credit card, which cleared, I was unaware I was paying to a XXXX balance American Express account, and not to my " Macy 's '' balance. Over the course of many months, I tried to reconcile this online, through the Macy 's website, but every time I tried to log in during the spring, summer and fall of 2015, I was told the site was " temporarily down. '' I called the number on the account at least 2 times and was unable to speak to someone who could tell me what was going on. Finally, after receiving a check from MACYS ( aka American Express ), for overpayment, the same month I received an invoice for slightly more ( due to the large missed payment fees ), I managed to get a call through to someone who understood what was happening and could explain where to pay.
Last month I paid the full balance, and was told by the customer service rep that there would be no further charges. Then I received a bill for XXXX , apparently for some sort of balance fee, which I do n't understand. I paid that, but somehow it was mixed up again, and did n't post ( I have the bank statement to proove it ), and then received a XXXX $ bill for not paying the XXXX XXXX
I have recently spoken with Macy 's and been assured that I have paid the XXXX $ balance, and they also told me my account was closed ... why I do n't know. That is fine, I wanted to close it anyway, but I 'm not sure if that type of closure affects my credit score.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I recently pulled my XXXX and XXXX ctedit report and to amazement, I still see this company name Synchrony Bank/ Walmart account displaying on my reports. I have been disputing this account with credit reporting agencies XXXX and XXXX, but it comes back " verified '' since 2014. I have also contacted the data furnisher as well. They tell me account has been sold, but does not verify/ validate ownership. Synchrony Bank is the company that is listed on my credit report with XXXX and XXXX. No legal proof has been provided to justify the company name being on my credit reports. I have requested information, documentation, validation, and verification. Nothing ever gets accomplished, this company name continues to remain on my credit files with XXXX and XXXX unjustly. It is a violation of my federal rights under the Fair credit reporting Act and Fair Debt Collection Practices Act.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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We had a loan with XXXX aka XXXX and it was sold to specialized loan services. XXXX foreclosed on the property after 5 years. XXXX and Specialized Loan services are both showing on my credit report. I never signed any papers with this company and have no affiliation with this company, yet it is on our credit report. These companies were involved in a class action lawsuit about this issue.
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Company believes it acted appropriately as authorized by contract or law
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My origianal mortgage with XXXX / Three and a half years ago Social Sevurity stopped payments to the tune of {$10000.00} because they said I made too much money and that they had over paid me. As a result I was late in my mortgage payements to XXXX. I tried to modify the mortgage many times but my paperwork kept coming back as incomplete eventn though I was working with Mortgage Assisance from the XXXX Office of MA. Because of this I was forced to go into capter XXXX bankruptcy. Then my loan was sold to Selecto Portfolio Services of XXXX XXXX XXXX Utah I have been making payments to them and the Chapter XXXX trustee. A couple of weeks ago my lawyer called sayin that SPS claims that I owe them {$10000.00} and that I have not paid them since XXXX XXXX. They want to go to court to remove the protection and foreclose on my property if I do not comeup with $! XXXX dollars. I am about to send in my XXXX XXXX payment. I am very nervous that this payment and the other payments will not be credited to my account.
I have gone over all of my bank statements for the past XXXX years and I have made every payment. So, I do not understand why my account is not being credited and why if there was some kind of a problem, why did SPS not tell me sooner. I have been reading so many complaints regarding the company that it makes me fearful of losing my property. I am a single senior and would really appreciate any help you can give me. My lawyer feets that mortgage companies are always right but from what I am reading I have serious doubts especially in the case of a company like SPS.
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Company believes it acted appropriately as authorized by contract or law
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Checking my credit report XXXX pops up for the fourth time which mean the collector kept selling this account. I never had XXXX NEVER and the last three times they had to remove it because they could n't validate it. I blasted XXXX for doing a authorized inquire, which they remove also. The fourth collector will remove it but not after selling it again. Please help. P.S. I live in a XXXX which XXXX ca n't service so how is this possible!
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I received a XXXX for XXXX from SLS for a loan that was foreclosed in XXXX/XXXX/XXXX, SLS was the second trust deed holder on the property. They did not make an offer at the sale and continued billing, me until the end of XXXX, even after numerous conversations with thm that the property was foreclosed in XXXX. According to Idaho law they had 90 days to do a deficiency judgement against me, but they did nothing. The property reverted back to the 1st trust deed holder on XXXX/XXXX/XXXX for {>= $1,000,000}, which was the balance of their loan. I need SLS to to correct the XXXX C, which they have sent me a letter that they would n't, I will include the letters and information following.
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Company believes it acted appropriately as authorized by contract or law
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I have asked the collection company for verification of debt multiple times. I have asked for signed documentation by me, XXXX XXXX, that the debt is in fact mine. The collection company has refused to send me any documentation showing that the debt is in fact mine. The collection company has refused to speak with me because they believe I have an attorney. I have spoke with my bankruptcy attorney to get documentation for the bankruptcy and the listing of PFC on the bankruptcy and that is the only contact I have had with an attorney. I was making monthly payments on the account until I realized I am already paying the debt with another collection company. I believe that the debt is not my debt and can not prove that it is or is not because PFC refuses to give me any documentation that the debt is in fact my debt. I would like a statement of account, and admission agreement or authorization of service on my account, proving that the account is in fact my account.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I was pre qualified for a loan through Wells Fargo & submitted all the documentation needed and myself, the listing agent, my real estate agent & the seller were told everything looked great. This went way past the due diligence period, I put down my earnest money, had the home inspected & had the appraisal completed. The closing date was scheduled for XXXX XXXX. XXXX XXXX I received a call that the property taxes were more than they anticipated, & to keep the debt ratio down, they needed me to put down another {$25000.00} and also told me I 'd need to switch my Homeowners Insurance to Option B, which was a higher deductible of {$2500.00} with poor coverage & no full replacement value to reduce my premium. My insurance agent refused to do this to protect my interest. As a result of these XXXX requests at the last minute, I had to back out of the loan. I lost the house, & now I 'm out all the money I put down because of their negligence in informing me of needing this additional money right before closing. They had all my information & knew the taxes for an entire month. What can I do to get Wells Fargo to reimburse me for my earnest money, inspection fee & appraisal fee. I 'm out {$2700.00}. That 's a lot of money for me when they are a Federal Bank & should take responsibility for their incompetence.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I have been a Macy 's customer for about 40 years. In XXXX 2015 I paid the account in full. In XXXX I received a statement stating I owed {$2.00} with no explanation. I tried calling but was left on hold or the call was dropped. In frustration, I went to the Macy 's store in XXXX, CA.
They no longer have a credit office. One of the clerks called their credit department and it was explained the {$2.00} was for maintaining the account open!!! I was never noticed that if I have a XXXX balance I would be billed {$2.00} per month. The person agreed to waive the {$2.00}. charge and I told them I would be closing the account. I cut up our cards and sent them a letter telling them to close the account. Then I received a statement from Macy 's adding another {$2.00}. charge plus the {$2.00}. from the previous month for a total of {$4.00}. and giving me a credit on the account of {$33.00} stating it was a refund for a late fee. I did not pay any statements late. The are continuing to bill me {$2.00}. month for maintaining account that I closed in XXXX. I believe the {$2.00} a month fee is illegal. I want them to stop billing me and if they think I have {$33.00} credit, I want it mailed to me. If they are billing {$2.00} a month to XXXX of credit customers who have no balance due, they are billing the public XXXX of dollars a month for nothing.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company
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I recently had debt to settle had no problems with that. I been trying to restore my history so if I owe I was pay. But XXXX capital management had a representative call my phone. When I ask for verification of the debt thats where it got out of hand. I was told they he was a lawyer which is a lie and that he did n't need to send me any info about the debt at all. Which scared me I recently had my bank info stolen. So i was a little unsure about just giving out my info. I wanted some simple paperwork to prove this person is legit. He got highly upset and ask if I had a lawyer because if not I will need one. I think it was a scar tactic. My I repeat he said he was with a law firm and not a collector. And that I wanted simple paperwork to be mail to me that is all. But no he hung up in my face. That after me threaten me to get a lawyer. I had no problems paying. I did a little resource may I add they called from a local number so I was scar at that. I try to google the number no businesses came up at all. I got even more scared. I thought somebody was trying to get into my bank info again. So I called the same number from another phone. It sent me to a operator. She told me it was alliant and they was trying to collect a debt. She ask who I was talk to. I could n't remember his name. She went me or I ask to be sent to a different person. I also google they and found a New York address and phone number. I called and got in touch with somebody. I told me it was alliant and ask for my name and that they was contacted to collect on a debt. I and to do all of that to verify the source was right. When the person who contacted me could have told me this. So I spoke to a rep. He insured that they are a debt collector and not a lawyer office. I told him that another rep said he was a lawyer. I guess he thought I was lying or he was trying to cover for his co-worker. I came to a settlement. I had no problem in doing so. I issue is the first rep misrepresented himself. I guess trying to scar me into paying. He was aggressive and hot tempted. And not willing to listen to he and trying to degrade me over the phone. I want the taped conversation of the first rep so I can pursue legal matters. He did n't have to lie about who he was I was at work and could n't talk I got confused and scared. I just had my bank info hacked. And some random number called and say do you have a lawyer well get one. If you do n't pay you need a lawyer. Like I was supposed to say well here is all my bank info. All I wanted was some simple paperwork. Or somebody that had a nicer and more calm attitude so we could resolve the issue. He stated I do n't need to give you any info at all I am a lawyer. I called the local non-emergency number because I was scared. I thought somebody was trying to steal my info. I did n't know what to do.
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Company believes it acted appropriately as authorized by contract or law
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Nationstar Mortgage XXXX XXXX XXXX XXXX Tx XXXX are not provide homeowners with prompt, regular, and accurate information about their mortgage loans statements before XX/XX/XXXXbsince the life of the loan beginning XX/XX/XXXX. Under the new federal rule, which went into effect on XX/XX/XXXX, mortgage servicers must send monthly statements ( there are some exceptions ) that contain detailed information about your payment, delinquency, and who to contact for questions. I have called three times regarding statements not being sent timely. I have to waste printer paper and ink to print my payment coupon. The also have a pending class action suit.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I had a medical procedure done that I XXXX paid for in cash, at a discount. A couple months later I get a bill from XXXX XXXX for what would have been the balance due if I went thru the insurance instead of paying cash. I went to their local office & they confirmed that I am payed in full. Subsequently I have receieved notices from CMRE trying to collect. I am Paid in full. I want this resolved asap please.
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Company chooses not to provide a public response
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RE : Wells Fargo Home Loans XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX NJ XXXX Loan # XXXX TO WHOM IT MAY CONCERN : This serves as a Notice of Error as enacted by Consumer Financial Protection Bureau effective XX/XX/XXXX.
We applied for a modification with our Servicer, Wells Fargo XX/XX/XXXX. We worked with a certified HUD Housing Counselor named XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ. We worked with XXXX XXXX to provide Wells Fargo with a hardship letter, and all our documents that provide evidence we have the income to support modification mortgage payments.
Despite our eligibility for a modification, Wells Fargo denied our loan modification request. Wells Fargo sent us a letter, dated XX/XX/XXXX, that stated we were denied, but they failed to provide a reason for the denial, as specified in the CFPB Modification Rules : 1. ) Denial of a loan modification option : A servicer that denies a borrower for any loan modification option must provide a written notice to a borrower stating the basis for the servicer 's denial.
2. ) Net Present Value ( NPV ) Test : If an NPV test is the basis for a denial, a servicer must provide the borrower the inputs used in the NPV test.
3. ) Investor Requirements : If an investor requirement is the basis for a denial, a servicer must describe the investor requirements ( simply stating that an investor requirement exists is insufficient ).
4. ) Waterfalls : Servicers may follow investor " waterfalls '' to determine eligibility for particular loss mitigation options but must explain the existence of the waterfall as the basis for the denial of any loan modification option.
We filed an appeal within the 30 days which was prepared and submitted by XXXX XXXX to Wells Fargo. Wells Faro denied our appeal, and once again we did not receive a detailed reason for the denial, pursuant to the CFPB regulations.
We are disappointed that Wells Fargo continues to violate the CFPB Servicer Modification Rules.
This is our family home and we have the income to support reduced mortgage payments. Please provide us with the level of detail required pursuant to the Rules so that we can address any perceived deficiencies.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX
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Company chooses not to provide a public response
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I have a U.S. bank XXXX XXXX credit card. I signed up for the card solely for the " Bonus Award Night '' benefit. I renewed my card and paid the {$75.00} annual fee on XXXX XXXX, 2015. I called on XXXX XXXX, 2015, to express my extreme disappointment about the loss of this benefit ( on XXXX XXXX, 2015 ) and asked for compensation in order to remain a cardholder. They promised XXXX bonus points and said that was the maximum. I was only awarded XXXX bonus points to my account. A friend was offered XXXX points and a {$75.00} credit for the annual fee. We both received our cards at the same time. Not only did U.S. Bank XXXX XXXX not provide me the points I was offered, they " short-changed '' me considerably in comparison to others. And if you read their terms for new cardholders, the Bonus Award Night is still listed, even though it ends on XXXX XXXX, 2015 ( https : //www.usbank.com/credit-cards/club-carlson-premier-rewards-visa-signature-credit-card.html )! I 'm now concerned about the ethical nature of this company.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I noticed an unauthorized charge of {$50.00} on my Macy 's credit card account when reviewing my XXXX billing statement online and followed the instruction on the site to dispute the charge and provided all the information asked by the dispute form. I even called customer service to confirm that the dispute has been received. I was told that I would not be liable for the charge during the investigation and no late fee and interest would accrue while this is being looked at. When my XXXX statement arrived, I noticed that the disputed charge is still on the account, plus late fee of {$27.00} and interest charge of {$1.00}. I called customer service again to find out why, and was told that they did not receive any dispute prior to this. This is already very frustrating especially when I have done the dispute online AND called. Now I am being told that they will officially open an case, close my old account and give me a new account number. My new card with a new account number arrived in a few days. When trying to call to activate the new card by calling the number on the sticker, after waiting for 5 minutes in silence no one picks up. I tried 4 more times after that and got the same treatment. I even tried to activate it online, only to receive error messages telling me to call customer service. I finally called customer service AGAIN, and got transferred directly to the collection/payments department, demanding that I make a payment immediately because my account is past due. They also told me that they can not activate my new card because they can not allow me to make new charges until my account is in good standing. This is beyond ridiculous at this point. I finally got through to another rep and explained my entire situation once again. After holding for an eternity, I got transferred to their consumer protection department, and again, had to tell my entire story over. The rep told me that my account will continue to rack up fees and interest until the investigation is complete and in the mean time, I will not be allowed to use my new card to make purchases because my account is past due. I then asked her why are you sending me a new card when I am not allowed to use it. She said it 's their job to send me a new card, but it 's the collection department that is putting a hold on it and they have no control over it. This is the most ridiculous and contradicting thing I have ever heard. How can you have such conflicting policies within the same company? Departments blaming each other instead of solving the customer 's issue. In all my experience dealing with other credit card companies, whenever a dispute of fraudulent charge is raised, a conditional credit is put on the account for that amount so it stops appearing as balance due and no late fee or interest will be charged while investigation is being done. Once investigation is complete, if the finding is in my favor, the credit becomes permanent. I would use my card as normal during the whole process. Seems like Macy 's has a policy that yields the worst possible experience for a consumer in this situation, not only will you not stop assessing fees and interest on the disputed amount, but you wo n't even allow the consume to continue using the card ( not that I am XXXX to use the card at this point given the treatment I have received ), as if dealing with a fraudulent charge situation is n't already hard enough. Now I have to worry about having a mark of " past due account '' on my credit report. This is very unfair to the consumer. I have an impeccable credit score of XXXX and I will not let this create a ding on my record.
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Company chooses not to provide a public response
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XXXX XXXX XXXX has reported my account information incorrectly for many years. Despite repeated disputes, Experian always verifies the incorrect information. This has been disputed with Experian at least 10 times in the last 3 years Experian reports XXXX 2009 30days XXXX 2009 30 days XXXX 2009 120 Days XXXX 2009 90 Days XXXX 2009 Repossession XXXX 2009 30 Days This report is obviously incorrect and it should be noted that Equifax has completely different numbers that are also incorrect ( complaint filed also on XXXX ) Correct reporting is the account went 30 days late XXXX or XXXX of 2009, no payments were made ever again and the vehicle was repossessed in XXXX XXXX 2009 Both Experian and XXXX claimed to fully investigate and state these are the numbers provided by XXXX XXXX XXXX. Since both have different numbers someone has failed in fully investigating. There have been numerous phone calls with Experian supervisors who agree the reporting has to be incorrect but they never change it and any dispute comes back as verified My belief is that the credit bureaus have failed to investigate and XXXX XXXX XXXX has deliberately reported incorrectly to punatively keep this item on my credit reports beyond the mandated 7 year reporting period. ( complaint also filed on XXXX XXXX XXXX )
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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Macy 's did not ever notify me that Citi Bank was taking over management of their credit card. Had I known Citi Bank was managing the card I would have stopped using it and made arrangements to close it.
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Company chooses not to provide a public response
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I have once again been locked out of my citi bank credit card access. This is the second example of this happening to me in the last six months. I previously had to cancel my XXXX XXXX XXXX XXXX due to the poor design on citibank 's web portal. The first instance was on XXXX XXXX of 2015. I was kept on the phone for over an hour and was refused assistance which resulted in me cancelling the card.
Today I phoned in again as instructed by the web portal to XXXX, I spoke to XXXX, agent ID XXXX. She deleted my login and asked me to re-register. I was then once again unable to re-register the card. She refused to have someone call me back at a later time and gave no other solution.
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Company chooses not to provide a public response
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I have XXXX balance transfers with the same credit card that were taken out at XXXX different times. XXXX is a large amount that was taken out first and is now no longer at 0 % -it is 16.99 %.
The second XXXX is a much smaller amount and is still at 0 %.
I noticed this month that the principal of my 16.99 % balance had only gone down about {$10.00}, where as my 0 % had gone down {$200.00}. This company is not applying the payment to the highest rate portion of my bill. I do not use this card for purchases and I am not able pay more than the minimum due. This applies to the minimum due and how they are dispersing it. When I called them they said they are allowed to do this and only are obligated to apply any amount above the minimum due to the highest APR.
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Company believes it acted appropriately as authorized by contract or law
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I bought a XXXX inch FROM XXXX FOR XXXX FOR WHICH they then tacked on an extra XXXX. I originally bought a laptop for which I had to return because it was the wrong one. he charged a markup on this device but did not return it when it was credited I ended up being billed XXXX for a XXXX tv originally purchased from XXXX XXXX through XXXX. Then special financing who bought the loan was taking payments from my check at work. I took them off because I was on XXXX since XX/XX/XXXX I was getting sick pay 15 hours per month and the got all of my sick pay money. So I requested the company take them off of direct pay. they then hit my bank about 6 times I ended up payment XXXX in nonsufficient funds fees the bank credited me back XXXX. The company then went to my XXXX card which I did not authorize they only had it when I used it to pay them before. They stated that I gave them a copy of this card when I took out the loan, this was lie because I did not have this card then. I was reissued a card 4 months after I took out the loan. so after I paid them XXXX and agreed to pay the rest of the money the following month. The went into my account and charged XXXX without my permission ( I thought certain types of payments were not subject to collection -- this was XXXX check from ca state XXXX ) I had been on XXXX since XX/XX/XXXX the job paid them all of my sick pay which I requested and when I ran out they could no longer pay them, they got desperate and they took money from wherever they could. After getting the XXXX from my XXXX they stated that they received an additional XXXX check from my job which means they received XXXX in XX/XX/XXXX. they billed me a final payment XXXX for the bill from XXXX. They were overpaid and they will not return my money I sent the bank the statement that I sent you because they stated I HAD TO PROVE THAT I DID NOT OWE THEM BEFORE THEY WOULD RETURN ANY MONEY. they gave me XXXX on my card but the company did not give me anything. I called today they stated that they sent it too the bank. I asked her two weeks ago why would you send my money to the bank when you received if from my job. The bank never received the money I never received it because they never sent it. I am of the opinion that since the bank paid me back half the XXXX they want to keep it all. See the attached statement where they billed me XXXX and they include XXXX as " other fees '' I do n't know what that is.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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XXXX XXXX, Citibank and XXXX are aggressively pushing Citi AAdvantage cards with XXXX, XXXX or XXXX bonus miles if you sign up and meet a certain spending limit within a rapid time period. They actually hand out the applications forms on flights, there are ads all over airports and there are constant pop-ups on their website. What they DO N'T tell you is that if you 've opened another card in the past 18 months, you are ineligible for the bonus miles. Recently, I opened a card over the phone and the agent ASSURED ME I would get XXXX miles if I spent {$3000.00} in a month. I did it but the miles never appeared. I called multiple times and was told they were looking into it. I finally got a supervisor called XXXX in Kentucky who told me I would not be receiving the miles. This is the height of deceptive advertising. The credit card company has no record of the people in their accounts opening department telling me I would receive the miles ( they say they do not record conversations! ). The company is also enticing people to spend money rapidly on a credit card ( for the miles ) and furthermore they will not simply close the card down and transfer the credit limit to another existing card in a seamless way. Closing the card and losing the credit line adversely impacts your FICO score. Consumer BEWARE.
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Company chooses not to provide a public response
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On XXXX XXXX, XXXX I contacted Bank of America, N, A,. whom is the servicer of my mortgage to let them know that I had lost my job and I may be having a hard time at making my mortgage payments. At that time I was not behind on my mortgage at all. Bank of America, N, A,. told me that they could do an loan Modification on my loan but i would have to be at least 60 day 's behind on my mortgage. I made arragements with them to begin my arrears on XXXX XXXX, XXXX and paid any and all of my mortgage payments up to that date. Bank of America, N, A,. sent me the MAKING HOME AFFORDABLE loan modification package I filled out this package and returned it on XXXX XXXX, XXXX. On XXXX XXXX, XXXX Bank of America, N, A,. filed in the official court records of XXXX XXXX, Florida an Fraudulent and Forged Loan Modification Agreement to repair the missing State and County on the original mortgage. I contacted Bank of America, N, A,. to check on my application status and they assured me that they did receive it and was in review of the application. On XXXX XXXX, XXXX Bank of America, N, A,. filed an INTENT TO ACCELERATE MORTGAGE. At that time I contacted Bank of America, N, A,. to check on the status of my application and was assured that it was still in review and not to worry about the NOTICE OF INTENT TO ACCELLERATE MORTGAGE that it was a notice automatically sent out by it 's computer system because of my being in the arrears. On XXXX XXXX, XXXX Bank of America, N, A,. removes Mortgage from MERS Mortgage Electronic Registry System , Inc. and files a Fraudulent AOM Assignment of Mortgage establishing a new Chain of Title in the official Record Books of XXXX XXXX, Florida.
As we continued to fall behind as we were awaiting on our application to be reviewed and approved I continued to make contact to Bank of America, N, A,. via telephone and continued to be assured that my application was still in review. On XXXX XXXX, XXXX Bank of America, N, A,. Filed its Mortgage Foreclosure Case and filed False, Fraudulent, and Forged documents as their Exhibits on its claim. On XXXX XXXX, XXXX Bank of America, N, A,. reported that the Foreclosure case was closed and the house was sold and they filed their claim for the FHA MIP insurance, on XXXX XXXX, XXXX Bank of America, N, A,. received their FHA MIP Insurance Claim Number XXXX and received an FHA Payoff for {$160000.00} while this Mortgage Foreclosure case was still being litigated.
On XXXX XXXX, XXXX Bank of America, N, A,. filed for a Substitution of Party and Amend Style of case. Mortgage Foreclosure was then turned over to XXXX XXXX XXXX , XXXX. and the case then continued on. On XXXX XXXX, XXXX the Mortgage was Changed from an FHA Mortgage to an Conventional Mortgage without any drafting of any new Mortgage Documents, the Counsel for XXXX XXXX XXXX , XXXX. XXXX XXXX claims that the FHA Mortgage was Decommissioned. On XXXX XXXX, XXXX the Final Hearing was held and was awarded to XXXX XXXX XXXX , XXXX. THIS CASE NUMBER IN THE LOWER COURT WAS XXXX AND THE APPEALS CASE NUMBER IS XXXX. This case is full of Fraudulent Transfers and Forged and Fraudulent Documents.
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Company chooses not to provide a public response
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My dealer made me purchase their extended warrant and GAP insurance. I do not need or want it.
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Company chooses not to provide a public response
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Experian responded that the XXXX fraudulent accounts that were a result of id theft by XXXX wireless were verified and I needed to contact XXXX which I have did already! I have provided both XXXX and experian with the info from the us doj that proves I am a victim of identity theft and yet they continue to report info based on info that was a result of id theft! Do I have to sue experian and XXXX to protect my rights???? Because I will because it 's stopping me from getting a mortage!
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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i got the banks response to my inquire that is wrong my situation has changed but the payment should be a lot lower than it is do n't you think look at the high interest you do n't know if the situation has changed or not just guessing but it has changed my brother just got a new job but you see the payment ever drops at all the payment is to high for anyone does matter of any situation thanks
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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Macy 's did not inform me that my interest rate increased to 18.99 % the end of XXXX 2015.
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Company believes it acted appropriately as authorized by contract or law
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Did not receive a notice that debt was due until after it was sent to credit bureaus.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I was automatically charged XXXX for a XXXX policy that I did not renew. The computer the policy was on no longer works. I would not renew a protection plan for a computer that does not work. I called the XXXX to get the charge off but they only gave me {$15.00}. They told me I had to cancel in 30 days but I never renewed the policy.
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Company believes it acted appropriately as authorized by contract or law
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I re-financed with loanDepot two months ago. I have always made partial payments with my previous lender ( 2 per month from my banks bill pay service ). loanDeport advised that they do not take partial payments AFTER suckering me into signing closing papers. I informed loanDepot that if they had disclosed their terms in the closing documents I would have stayed with my previous lender or gone with another lender as I had other offers. loanDeport replied that if I continued to send partial payments XXXX things could happen " ( 1 ) returned to you, ( 2 ) applied to your loan, ( 3 ) accepted but held in a non-interest bearing unapplied funds account until you send us additional funds sufficient to equal a full periodic payment due. '' I replied that option 3 was OK with me as this is what my previous lender has done. loanDepot also informed me that the only way they took partial payments was if I signed up for their " Budget Plan ''. In other words they want to force me to give them control of my payments and let them have my bank information. I did review all my closing documents and loanDepot 's only disclosure was the amount of my monthly payment and the date is was due. No disclosure that I had to make the entire amount in one payment.
I made a partial payment of {$500.00} on XXXX/XXXX/16 and loanDepot choose to apply the payment as additional principal.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I co signed on my daughters student loan some years ago. She stopped school and I encouraged her to realize the loan would become due and to setup a repayment plan. I went into bankruptcy in XXXX but continued my own student loan payments. I assumed she was taking care of hers. My attorney listed the debt and said it would be " taken care of '' ( all my own payments were on time ). I ended bankruptcy in XXXX XXXX and the case was soncluded XXXX XXXX. I found out the loan was in default via a phone call from the collection dept and this was XX/XX/XXXX. I verified my daughter knew and was unemployed. She would get back to them. XXXX XXXX XXXX the collection agency of wells fargo took {$3600.00}. from my account via a " written check ''. I called and they said they would give back some of the money {$1400.00} but it never happened. Wells fargo cant help me as they say its a separate department and they do what they want. Now I have a direct deposit and my tax refund coming. even though they say they wont take these it appears they lie because they promised my funds returned by Tues XX/XX/XXXX.. My income has been reduced by half. Im 6 years away from retirement and losing my vision so I do worry about how long ill be able to work. I need that money.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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This company has had more than enough time to provide me with a signed contract and needs to remove its information from my credit report immediately. My identity has been stolen so only a signed contract will do.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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On XXXX XXXX, XXXX, after canceling my services with XXXX, I boxed up the equipment and took it to the Post Office to return it. The Postman saw where it was going and told me to be sure to keep my receipt as he had heard a lot of complaints from people who say XXXX never acknowledges receipt of returned equipment.
On XXXX XXXX, XXXX I received a letter from XXXX stating they did not receive the equipment. I explained it had been shipped back and they should be receiving it shortly.
According to XXXX Proof of Delivery the package was received on XXXX XXXX, XXXX On XXXX XXXX, XXXX I received a letter from a collection agency, XXXX. XXXX, XXXX as XXXX had sent the account to collections 16 days after they received the equipment. I immediately notified the collection agency that I disputed this and sent proof of deliver to them as well as to XXXX.
I thought this had been resolved, but approx. 3 months ago I found it listed as a " collection account '' on my Experian report. I sent in a disputer letter to Experian.
I was recently denied a mortgage refi as XXXX still had this listed with Experian as a collection account. I believe the reputation XXXX has with the Post Office personnel is accurate. They do not acknowledge receipt of equipment returned and cause their former customer undue grief by having to " prove '' they returned the items. And even then, they do not correct their error. The costly effects of inaccurate credit reporting causes hardships and stress on people and XXXX should be held accountable for this. I am requesting assistance with getting this removed from the credit agencies and would like to see an investigation into how many others XXXX has harmed. I am attaching the following copies : Drop-Off Package Receipt Proof of Delivery Letter from XXXX Letter from XXXX XXXX XXXX Thanks, XXXX
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I wrote Experianon XX/XX/XXXX, asking for their assistance and they replied with a letter stating that I did not provide enough information. How did I not provide enough information when the letter specifically stated the account that I 'm disputing, that I needed their assistance in verifying the validity of it and gave the exact reason for my dispute? I 'm including my Consumer Financial Protection Bureau complaint with the new letter, as this is a blatant disregard of my rights. They stated that they are not going to honor my request under section 611 of the FCRA ; at no point did I say that this was ID theft. Actually, I specifically stated that I was NOT saying that it was identity theft!
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Company chooses not to provide a public response
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About 3 to 4 years ago, I contacted my mortgage company ( Wells Fargo ) because I was having financial difficulties and wanted to apply for assistance through the HARP program. Since I was behind a couple of months with my mortgage, I did n't qualify for the HARP program. Wells Fargo offered a modification package that I did qualify to apply. This modification ended up raising my interest rate and extending my loan from 30 years to 42 years. Putting at least {$170000.00} in the first principal and about {$80000.00} in a second principal. I originally purchased my home for {$340000.00} and paid {$60000.00} down with a conventional mortgage. I was told that if I continued to pay my mortgage as agreed, I may be able to qualify to refinance the loan at at later date. Since my mortgage was modified, I have paid my mortgage on time. XX/XX/XXXX or XX/XX/XXXX, I contacted Wells Fargo again to inquire about the HARP program. I was n't behind in my mortgage, but my taxes have doubled and homeowners insurance has gone up significantly in the last 10 years. Needless to say, my salary has not increased at the same rate. I wanted to be proactive and do what I could to lower my loan in the event there is another increase in my property taxes or insurance. Wells Fargo told me that I would have to contact them after XX/XX/XXXX because they were making some adjustments to their HARP program to be compliant with the new requirements. I waited and contacted them again last month. Wells Fargo started the refinance process and sent me several versions of the same documents ( XXXX with the XXXX principal only and another with both the XXXX and XXXX principals together ). They offered to refinance my loan for 4.75 % and my monthly mortgage would be about {$1800.00} ( including the taxes and insurance ). I told them that I had a loan modification through Wells Fargo a few years ago. They said that they would send my information to the underwriter and get back to me. Several days ago, I received a call from XXXX XXXX ( Wells Fargo ) indicating that my loan was being denied because Wells Fargo could n't write off the second principal ( about {$70000.00} ). She indicated that I may be able to apply for a conventional refinance, but my monthly payments would definitely go up. I asked if this would be provided in writing as I was not happy and wanted to file an official complaint. She assured me I would receive this information in writing. Last week I received a denial letter from Wells Fargo indicating the reason for the denial was " insufficient assets to close loan ''. Today, I call Wells Fargo to find out why the loan was denied. The customer service rep could n't tell me and said she needed to do some research to determine the reason for the denial. I feel Wells Fargo has participated in predatory lending practices. I just want to stay in my home long enough to sell it in the next 6 months. I inquired about closing my escrow account so that I could pay the taxes and insurance myself and I was told I could not because of the modification. I feel Wells Fargo has painted me in a corner and is doing nothing to help me continue to successfully pay my mortgage. Because my escrow is in a shortfall, they will add an additional {$300.00} a month to my monthly mortgage of {$1900.00}. If they 're going to increase my mortgage ( and I understand the reason for this increase is because of the increase in my taxes and homeowners insurance ) then they can certainly positively consider refinances my mortgage to more reasonable terms or allowing me close my escrow account ( and Wells Fargo refund to me the amount remaining in my escrow ) so that I can pay my own taxes and homeowners insurance. Someone from Wells Fargo was supposed to get back to me today about my denial inquiry. I also requested to make a formal complaint. I did n't receive a response today.
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Company chooses not to provide a public response
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Dear Sir or Madam : I had sent a complaint earlier : # XXXX regarding Citibank Credit Card notifying me that they had sent out gift certificates from their rewards program and failing to send them out without notifying the customer and not crediting the " Points '' used to the account for the gift certificates which were not sent out as " known issue '' to Citibank. After three emails with no response, Citibank finally answered and responded to your letter by posting the points from the gift certificates they failed to send because of " their known vendor '' issue. However, they fixed the problem in the account and I had check issued to me, but then Citicard debited my account for the gift certificates never received for the next month. So, instead of having XXXX worth of points for that month, instead Citibank double debited me. I find this incredibl especially after having a known issue, not sending the gift certificates despite emails saying ... your rewards are on their way, and then debiting me twice. They failed to respond to my emails until finally they answered back and said, you were debited for the gift cards which they never sent.
Please review this case and hold them accountable. I spend over XXXX dollars a year with this credit card and they have been having issues with upholding their cardholder agreement and honoring their rewards programs.
Thank you
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Company believes it acted appropriately as authorized by contract or law
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On XX/XX/2016, I received a notification letter from Navy Federal Credit Union making threats to repossess my XXXX Nissan Pathfinder stating that it will be used as partial collateral on my auto loan account which Navy Federal Credit Union claims is in " default ''. My account is not in default and I have been making monthly payments but the collection department does not seem to have records of my payments but the other departments have records of my payments. I am getting daily calls and computer calls from them about an account that I am making payments on. The number that the Navy Federal Collection Department is calling me from is XXXX.
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Company disputes the facts presented in the complaint
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This where I draw the line these folks knew I was a veteran, and dislocated worker and when they jacked up the fees. I did pull back because there is no way in XXXX I am paying that. Now too many months went by.
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Company chooses not to provide a public response
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This complaint is about the Attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I XXXX XXXX XXXX previous account # XXXX was told by Wells Fargo Mortgage that the Foreclosure was suspended. I am on a pre-modification at this time. I have made my first payment XXXX XXXX 2016. and will be making my second payment Febuary XXXX 2016, I have received a XXXX Court Letter from Wells fargo attorney Stating They were not informed of any Suspension court date is XXXX XXXX 2016.
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Company believes it acted appropriately as authorized by contract or law
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common denominator USE THE SAME AFFIDAVIT OF LOST NOTE format With these XXXX LAW FIRM FORECLOSURE LAW FIRM fraud document, affidavit, forge note. Robo signing law firm BWW aka XXXX co conspiracy XXXX, XXXX XXXX, XXXX, XXXX XXXX.
1, Law firm BWW aka XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX.
-- use the same fraud affidavit lost note format ( attached ) 2.XXXX XXXX -- use the same fraud affidavit lost note format ( attached 3. XXXX XXXX -- use the same fraud affidavit lost note format ( attached ). Law firm BWW aka XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX.
-- use the same fraud affidavit lost note format ( attached ) 1.XXXX XXXX XXXX ( XXXX XXXX '' ), Respondent, a member of the Bar of XXXX, routinely authorized XXXX non-lawyer members of the staff of what is now BWW Law Group , LLC ( `` BWW Law '' ) to sign his name on documents-including affidavits-in foreclosure filings. XXXX instructed the staff members ( who were also notaries public ) to notarize the affidavits, even though he had not signed them. After learning of allegations that the affidavits had been falsely notarized, XXXX reported himself to the Attorney Grievance Commission of XXXX ( " the Commission '' ), Petitioner.
On XXXX XXXX, XXXX, in this Court, Bar Counsel filed a " Petition for Disciplinary or Remedial Action '' against XXXX, charging him with violating XXXX XXXX ' Rules of Professional Conduct ( " MLRPC '' ) 3.3 ( Candor Toward the Tribunal ), 5.1 ( Responsibilities of Partners, Managers, and Supervisory Lawyers ), 5.3 ( Responsibilities Regarding Nonlawyer Assistants ), and 8.4 ( Misconduct ).
1 '' 'Robo-signing '... most often refers to the process of mass-producing affidavits for foreclosures without having knowledge of or verifying the facts. '' Attorney Grievance Comm'n v. XXXX, XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX ). " Robosigning '' may also refer to the mass-production of affidavits that the affiant did not sign. See id. at XXXX, XXXX XXXX at XXXX. As discussed below, this attorney discipline proceeding involves the latter type of " robo-signing. " On XXXX XXXX, XXXX, XXXX e-mailed every member of XXXX XXXX 's staff, stating that he would no longer robo-sign, i.e., authorize others to sign and notarize his name on documents in foreclosure filings. Since then, BWW Law has banned robosigning, as stated in BWW Law 's current employee handbook.XXXX XXXX Foreclosure Mill Shut Down After Guilty Plea And Consent to Judgment, Changes Name to XXXX XXXX XXXX foreclosure mill, Law Firm of XXXX XXXX, has been shut down after the owner, XXXX XXXX, pled guilty to unlawful and unethical practices at his firm. It appears that the firm hopes to have a smooth transition to a new law office, XXXX XXXX, headed by XXXX XXXX 's brother, XXXX XXXX. In XXXX, XXXX XXXX, apparently playing both sides of the crisis, in more than XXXX instancerepresented a property owner against the very same financial institution that he also represented, in at least some capacity, in other foreclosure cases.In XXXX XXXX, XXXX XXXX paid XXXX dollars to settle a XXXX Attorney General investigation into questionable foreclosure practices and suspicious document. massive foreclosure fraud on part of XXXX may ..XXXX XXXX XXXX, XXXX - XXXX XXXX, XXXX. XXXX XXXX, XXXX. has been approached by several homeowners who were the victims of fraudulent foreclosure actions filed by the ... XXXX XXXX has been requested to file an action naming the XXXX XXXX, its employees who manufactured the fraudulent documents and foreclosure foreclosure papers, and the banks and servicer who used the XXXX XXXX to perpetrate the fraudulent foreclosures which numbered XXXX.
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Company chooses not to provide a public response
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I am delinquent on my mortgage and am trying to get approved for a loan modification. I have provided all the documents requested by my mortgage company in order to consider me but I have a foreclosure sale date scheduled on XXXX/XXXX/16. They are telling me they are unsure if the sale date will be pushed back. I need some assistance with this, please help in any way possible.
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Company chooses not to provide a public response
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I have previously attempted to dispute this charge with my bank and for some reason my CFPB complaint filed in XXXX has not been addressed. On XXXX XXXX, XXXX, I paid {$4900.00} dollars to Appelizer.net for services that were never provided. Please see previous complaint. I still have not received the items described verbally and per our contractual agreement. Upon further investigation I discovered that this company is in cahoots with several other " online businesses '' that prey on unsuspecting consumers. These career criminals, even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I know that there is an extended period of time allotted if the services were not rendered as described per Federal Regulation. Which has brought me here, needless to say I did not received the services I initially purchased. I have been taken advantage of, and need my credit card company to look into remedying this situation. I called my credit card company and spoke with a representatives who stated my request must be in writing I obliged with documentation on XXXX XXXX, XXXX, they sent me a form that I completed and mailed in only to be told the will not look into the matter letter by phone. I did everything that was required of me via the law and them. This is simply a delay tactic, please have them look into the matter, they are supposed to be there for me their customer. I would like my money refunded without further delay.
Thank you, XXXX XXXX
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Company chooses not to provide a public response
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Random " Payment Safeguard '' fee applied to my credit card each month without my knowledge nor enrollment. Have been charged for the past year, during which time I was not receiving paper statements and had set up automatic payments, and was no using my credit card in any other way.
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Company chooses not to provide a public response
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My mortgage and equity loan have numerous issues that are detailed in an attachment. My mortgage loan has been sent to a foreclosure attorney of Bank of America. I have requested verification of the debt and have received no response.
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Company chooses not to provide a public response
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XXXX fraudulent charges were made to my credit card - XXXX on XXXX/XXXX/16 ( {$430.00} ) and another on XXXX/XXXX/16 ( {$700.00} ) listed as " XXXX XXXX CA ''. I was never contacted by Citi 's Fraud Watch Dept., as I have been in the past with other large purchases I have made. I happened to notice the charges when I reviewed my account on XXXX/XXXX/16. I immediately called Citi and spoke to an agent, who promised me she would immediately issue credits for the fraudulent charges and open an investigation. Today ( XXXX/XXXX/16 ) I checked my account and the charges have not been removed as promised. I spoke with another agent who told me that the charges MAY be removed after the conclusion of the investigation IF the investigation rules in my favor. I am completely floored by the inconsistencies about my victimization that these XXXX agents have expressed to me. After more research, I have uncovered horror stories from Citi customers such as being charged interest on fraudulent charges, being promised calls back that are never returned, outright dishonesty, etc. I refuse to pay these charges and do not want this to affect my otherwise exemplary credit score. Before drafting a letter to the CEO of Citi Cards, I want to file this report. I am seeking the removal of XXXX charges, as well as any interest/fees incurred.
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Company believes complaint is the result of an isolated error
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I agreed to setup payment for my medical, but they still reported it to my credit even after the bill was paid.
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Company chooses not to provide a public response
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Please refer to all previous complaints the last one being Case number : XXXX with this same ongoing issue.
Bank of America has now placed my property into foreclosure. See attached letter. The letter dated XXXX XXXX, XXXX was sent presorted regular mail and I did not receive it till Mon XXXX XXXX, XXXX beyond their " good through '' date. In my attempt to call the number on the letter I keep getting a recording stating the account manager is unavailable leave a message or call back later. I called several times only to receive the same message. No one to date has returned my call.
My request to validate the amount in question on the first attorney letter received in XXXX XXXX was ignored and they have now added on additional attorney fees without responding to my request. This is a purposeful intent on Bank of America to continue adding fees above and beyond then demanding it be paid before they foreclosure.
Please refer to all previous correspondence and complaints ... this is all a deliberate, intentional act on the part of Bank of America to take my property when I have made payments for the past 12 years only to become delinquent due to financial hardship and illness last year. My efforts to get current was sabotaged with their adding on unnecessary escrow when all was paid to date pushing me over the edge adding on {$220.00} to my monthly mortgage amount when I was attempting to make the regular payments. You will need to read all previous complaints for the past history on this mortgage.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I paid off XXXX of my credit card accounts with Bank of America XX/XX/XXXX. Recently, I began using XXXX of those accounts again. I received an email notice of an amount due ( of {$20.00} ) on the closed account and tried to access that account online to determine the validity of the charge and pay if owed. I was blocked from accessing the account by Bank of America. I called and for almost 2 months tried to get resolution on the problem they created. I finally relinquished and send them the {$20.00} payment, to which they assigned a {$1.00} late payment assessment. After two more months and several calls and internal emails to them, they finally credited my account and removed the {$1.00} late fee. In XX/XX/XXXX of this year, they wrote me a letter closing this account ( ending in XXXX ) stating " too many late payments '' on this account. The fact is that there were ZERO late payments for this account, so I called and spoke to XXXX separate representatives for this institution. The first said she saw no evidence of any late payments that would warrant closing the account in the records on the account. The second person I spoke with was a XXXX who looked into this and my other account with the bank, and she said that the XXXX account was in good status, however my other account had XXXX missed payments ( in XXXX and XXXX of XXXX ), even though it was paid up to date. I explained that while I received notice of payments due on that unrelated account, I was still being prevented from Bank of America from accessing the account to make online payments, Again, after XXXX months of internal online correspondence and multiple phone calls, I was able to once again access my account and changed my profile back to my original XXXX and password. Then, and only then was I able to make the payments. The Supervisor told me she would re-establish my account and send out a new card. She furthermore credited my account with the XXXX late fee assessments ( posting on XX/XX/XXXX ). She further apologized for the problems created by Bank of America and said she would look into the reports to credit agencies to get them corrected to show accurate information and no late payments. Consequently I received another letter from Bank of America dated XXXX XXXX, XXXX stating that they " were unable to approve my recent request to reopen '' my account, citing " too many accounts with balances and the amount owed on revolving accounts is too high. '' This is, of course, inaccurate and a false statement relative to my income and past history of credit card use and accounts. They also blamed XXXX XXXX, the company they provided with the false negative reports of " late '' payments citing a report received from them.
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Company chooses not to provide a public response
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SLS has not provide me with statements or online access to my account information thus no printable info. I have faxed request # XXXX on XXXX XXXX XXXX for current information on all, that includes tax, insurance and the disbursement of my payments ( some of which I paid over the amount ) the principal, and the disbursement of the funds from the hardest hit recast loan. Fax # XXXX this morning. I called last month to ask what my payment was taxes and insurance had been included but, I had received a tax bill a couple of weeks ago which I never had before. I called and I have to go through multiple departments to get answers. I filed bankruptcy XXXX/XXXX/XXXX at that time they were not to contact me thus I could n't access my account. My bankruptcy was XXXX XXXX/XXXX/XXXX. So why ca n't I get a statement, online access of printable info. How was my money disbursed has yet to be answered. I received documents that were unacceptable and incomplete not providing the information I requested. I also received a letter from SLS last week stating it would take a month to get this request processed.
Today I received an email from the insurance company they will be taking payments out of my account. I get 1 week notice on the change? I ca n't access my account online thus I can not print anything directly from them I have to do a screen copy, why? My computer is not the issue.
I have made inquiries by phone and my XXXX request by fax this am. I am disable and I need to know where my limited income has to go, not last minute. I will be calling them along with the fax to find out my payment due for XXXX. I 'm KEEPING my HOME all I want is fair, complete, and accurate information regarding my mortgage. I was fortunate to get the assistance from the fund only to be blindsided by the mortgage holder. I have had too many of them but this is the worst to date.
Please help me resolve this matter t keeps me up at night.
Sincerely
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Company believes it acted appropriately as authorized by contract or law
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Due to Address changed, I never received final Bill from XXXX
After 6 years, I received a notice from RS Clark and Associates , Inc XXXX I contacted them, They mention my phone will be recorded so i did n't asked them anything in writing.
They told me, as soon as i paid off my balance they will remove from Credit Report. I paid {$100.00} amount right away in order to remove negative item from my credit report.
I paid off on XXXX/XXXX/XXXX via XXXX XXXX card ending XXXX.
As i spoke to XXXX XXXX, he mention that they will Remove collection from my report within 30 days.
I received a receipt saying sing and mail or fax so i scanned and replied R S Clark Associates back with signed receipt.
I been trying to contact XXXX but they are not responding to Credit Agency about paid off.
They still have Collection on my XXXX Credit report.
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Company chooses not to provide a public response
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We have a loan from Bank of America for our home. Total house price was {$45000.00} and we have made some baloon payments and the loan balance is only {$29000.00} or less.
For all the property taxes of 2015, we have paid all the taxes to the taxing authority on XXXX XXXX, 2015. We had personally been to their branch office and met XXXX XXXX XXXX and given those receipt copies. I had also sent an email to her asking her not to make those payments. I had also paid all the escrow account due on XXXX XXXX, 2015.
Escrow account is only meant to cover any and all the taxes paid by BOFA. Now there is no taxes paid by them and they have refused to accept it and asking for the payment of escrow account. I should be responsible for the payment of principal and interest in the amount of appx. {$550.00}. Instead of that they are threatening us to foreclose on the house. Also we have paid in escrow account a total of {$38000.00} or more and they have paid out only {$32000.00} or so. I have asked for more than 30 days ago for the account details and I have got no response on that. My loan no is XXXX XXXX. My cell no is XXXX XXXX XXXX.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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Wells Fargo closed my checking, savings, and credit card accounts due to being unhappy with me for depositing Money Orders into the account. I worked with a banker at the Wells Fargo in XXXX XXXX CT XXXX XXXX. She called several times regarding the matter. My complaint focuses on the checking issue and refunding my balance. She was told and relayed to me that my account would be closed as of XXXX XXXX and a check for my remaining balance would be sent to me. After waiting a few weeks without any check arriving I returned to the XXXX XXXX Wells Fargo and XXXX XXXX called again. During this phone call it was 1st relayed to me that they would contact the agent who was handling my case ( they would not give me the name ), then put me on hold and then told me Wells Fargo was keeping my balance! After being escalated to an executive custome service person I was then told the agent would be contacted again. I shared my concern about hearing several different stories over the past weeks but the only answer was that they would contact the agent and I could call back. Due to hearing several different stories and the amount being XXXX, I feel I have no choice but to file a complaint in order to get my money. I informed Wells Fargo of my intentions. While Wells Fargo may be unhappy with the deposit of several money orders, I have done nothing illegal. The funds have cleared from XXXX XXXX, and Wells Fargo is simply holding my money hostage.
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Company chooses not to provide a public response
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I was given a prepaid reward card in the amount of {$1500.00} from my employer from Bank of America. It had an expiration date of XXXX that i did not notice. On that date i had a balance remaining on the card of {$580.00}. I called BoA on XXXX/XXXX/15 to get a new card and was told that they could not renew the card but would send me a check for the balance and it would take 7 to 10 days to get a check. I have not received the check yet and i have made 4 additional phone calls to find out why. During one of the calls, i was told that the check department might not refund my money that was prepaid since the account expired! I consider this stealing my money! I have not been successful in elevating my complaint beyond the lowest level person that answers the phone when i call the number on the back of the card. They keep saying they will make another check request but they can not find out if my money will be refunded. This is totally inappropriate as it is money that was paid to me from my employer and BoA should not be allowed to keep the funds.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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As a result of a serious personal issue my account was past due. I had communication with customer service but due to my circumstances was not able to make the payment on the agreed upon date. I did however pay the account balance in full a few weeks past the agreed to date.
I went online and found that my account had been closed however I did not receive any prior notification of a pending closure nor was I advised by the customer service team that this was about to happen.
I had a conversation with one of the customer care account executives who was short and abrasive. He belittled me personally and did not want to hear about my personal circumstances and he stated that my 9 year history did not mean anything to him. When I asked for a higher authority he told me that he was the ONLY authority and he was standing by the decision. I have never been treated so poorly and I feel that I am being discriminated against because of my medical issue.
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Company believes it acted appropriately as authorized by contract or law
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I applied for a secured title loan at a web site called " XXXX '', on XX/XX/2015. After submitting my information the web site stated that I qualified for a loan for {$5000.00} secured by the title to my XXXXPorsche Boxster. The loan site indicated I would receive a loan for {$5000.00} at 7 % interest rate. I was quite happy about this as my wife and I had just moved from XXXX, XXXX to XXXX, XXXX, and we were in need of funds. After I had completed all of the information online, I received a check for {$5000.00}. We signed over the title to my car and only then received our initial bill which showed a loan apr of 88 %. We were quite stunned and my wife called the lender ( Wilshire Commercial Credit ) and asked about the loan interest rate. Again, over the phone the representative stated that the loan was granted at a rate of 7 %. The representative stated that the payment of {$390.00}, almost all of it going to interest was so high because of " fees ''. All of the transaction was completed online, using " XXXX '' ' and nothing that I signed showed the exorbitant interest rate of 88 % apr. After this I researched the company, Wilshire Consumer Credit '' and found that many other consumers had been duped just as I had. In fact I learned that this company was the subject of legal action by the Bureau of Consumer Financial Protection, for similar and other deceptive loan practices. I am requesting assistance from the Bureau of Consumer Financial Protection in obtain a just resolution of this matter.This whole matter is particularly abhorrent given that while I was in the process of obtains this loan, and in subsequent discussions with company representatives, Wilshire Consumer Credit was being prosecuted in court for such abhorrent actions. Please help me obtain a satisfactory resolution in this matter because otherwiseI will certainly lose my car! To make matters worse still, when I received my XXXX bill it showed an additional charge of {$150.00} for " prepaid interest ''. Again, I had not seen anything about such charges until I received the bill! Following our inquires with Wilshire Consumer Credit, they sent us a loan document that showed the interest rate of 88 % apr, which was signed digitally using software by " XXXX ''. At no time prior to receipt of this documentation had I seen this form or signed any document, electronically or by conventional paper and pen, until the company sent this documentation after the loan process had been completed. ACCOUNT XXXX.
Respectfully submittedXXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX
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Company chooses not to provide a public response
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I traded in a car I was purchasing from Drivetime. The car was traded on XXXX/XXXX/XXXX and the payoff reached them on XXXX/XXXX/XXXX. I Drivetime on XXXX/XXXX/XXXX to confirm they had received the payoff which they did. XXXX XXXX overpaid them by over {$290.00} which Drivetime confirmed. I was told I should receive the refund in 10 days. I call back on XXXX/XXXX/XXXX and was told they never submitted the refund and it seems to it they were not planning on refunding it. They again told me to give them 10 days to process. I called today ( XXXX/XXXX/XXXX ) and again I am told to give the 10 days to process. I advised them if they held funds over 30 days they must pay interest. They told me to call them back again in 48 hours. I am starting to believe Drivetime has no intention of refunding the overpayment.
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Company believes it acted appropriately as authorized by contract or law
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I closed on a home in XXXX of 2015 with a XXXX loan. The contractor was negligent and the original lender WesStar Mortgage ; now with XXXX. XXXX is refusing to honor the original bid.
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Company believes it acted appropriately as authorized by contract or law
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Illegal interest rates charged in Louisiana by XXXX/Call Call/XXXX. Also these companies may not be licensed consumer lenders in Louisiana. I have paid back over 3 times the amount I borrowed. This situation has caused a strain on my marriage. My interest rate was at or above 139 %. Louisiana interest rate cap on personal consumer or revolving loans is 12 %. I am using this complaint as a cease and desist letter. I borrowed {$5000.00}. and paid back {$16000.00} as on XX/XX/2015. Does that seem fair!! I know you are helping other states so please help Louisiana residents too.
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Company believes it acted appropriately as authorized by contract or law
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Green lineloans the Lender has been paid back XXXX to date on a XXXX dollar loan. After consulting with my attorney I found out they are not licensed to do business in the state of California and I over paid them XXXX which in the interests of good faith I 'm not asking for a refund. Thy claim I still owe XXXX and change.
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Company chooses not to provide a public response
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I received a phone call from some calling from XXXX XXXX telling me they had a package to be delivered to me at my place of employment, so i asked for the information about who and what it was. They informed me that it was from a lawyers office and they gave me a phone number and a reference number. I called the number and was told it was from Wachovia and that i owed a debt from XXXX on an over drafted bank account. I have no knowledge of this account. I went to the bank and also called their XXXX number looking for information. They said they had no information on me. I then asked the lawyer who called for info and was told she could not release it to me. She did give me a supposed number for Wells Fargo XXXX ( XXXX ) which only said they sold off my account and had no other information. They gave me a number to who they sold it to, I called and was told it was sold off again and then again. Called back the lawyer and they just got upset and said they will see me in court. They said i have until XXXX XXXX, XXXX to pay the settlement amount or i will go to court and pay thousands of dollars. Now i am freaking out because i am unsure of what this is and i do not recall ever having a Wachovia account.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I received a hard credit inquiry on my Experian Credit Report from a Payday Loan company called " XXXX XXXX '' and I did not apply for a loan with this company. I called the company to report the fraudulent credit inquiry and have not received any response in over 24 hours. They are located at XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX. I am not the first person to report this type of fraudulent activity from this company as I 've seen other complaints online ( and XXXX that was resolved on this site ) as well.
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Company believes it acted appropriately as authorized by contract or law
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Original Creditor XXXX, XXXX XXXX XXXX, XXXX, GA, XXXX Filed judgment Case # XXXX XXXX XXXX XXXX XXXX XXXX, the judgment was paid in full for the amount of {$2700.00} and I have a copy of the judgment being satisfied dated XXXX/XXXX/2014 from the creditor and the court. After the judgment was satisfied the account was also turned to a collection agency National Credit Systems , Inc., XXXX XXXX XXXX, XXXX, GA, XXXX for the EXACT SAME ACCOUNT, EXACT SAME ACCOUNT NUMBER THAT I HAVE ALREADY PAID AND SATISIFED IN THE XXXX XXXX COURT. They continue to call and harass me ( which I have blocked their number ) they refuse to listen when I have tried to talk to them and they are violating collection law and my rights by continuing to try and collect on a debt that 's been satisfied. They are also duplicate reporting the debt on my credit records as a collection that I owe. I would sue if I could but would not know where to start.
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Company believes it acted appropriately as authorized by contract or law
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CSO Financial sent me a debt collection notice on XX/XX/2016, claiming that I owe XXXX for " XXXX XXXX Overdraft & XXXX ''.
I have never had an account at XXXX Bank, and I do not owe this debt.
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Company disputes the facts presented in the complaint
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did not apply for loanDear XXXX Thank you for choosing CashNetUSA as your trusted online lender.
We have received your email/facsimile advising us that you did not apply for this loan. However in order to stop collection procedures, we will need to receive a police report specifically stating that fraud has occured with CashNetUSA under your identity. Please remember to have our company name on the report.
Until we receive the report, collection procedures will continue and you will be held responsible for the loan.
If you have any questions or concerns please contact our Collections Team. We are available 24 hours a day, seven days a week.
CashNetUSA Collections Department Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX www.CashNetUSA.com
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Company chooses not to provide a public response
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To Whom It May Concern : I received an unsolicited request to modify my HELOC loan at Bank of America. I signed loan documents in XXXX 2015 effective XXXX 2015 and first payment date XXXX XXXX, 2015. My loan has still not been boarded on the BofA system which I understand is a CFPB and RESPA servicing violation.
I 've been diligently working with BofA to get this corrected, but to no avail. I 'm told that the issue is that when I signed loan documents BofA 's system automatically generated the wrong date on the Clarity Commitment document. I 've asked for the corrected document and they refuse to send it stating it must be system generated and there is a glitch in the system.
In the meantime, BofA instructed me to make and continue making the payment based on the new loan modification documents. Since their system does not recognize the new payments they continually send me late payment notices and continue to tell me to ignore them and make payment based on the signed loan docs. Now I have mortgage lates on my credit report and BofA is non-responsive.
I 'm told that the situation is not unique and this situation effects many consumers.
I 'm respectfully requesting your help.
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Company chooses not to provide a public response
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On XXXX XXXX, 2016, a check in the of {$1900.00} was mailed to Barclaycard. As of today, XXXX XXXX, 2016, this payment has not posted to my Barclaycard account. My bank account has been debited for the check 's amount. XXXX XXXX XXXX XXXX XXXX has provided me with a copy of the front and back of the check, which shows it was deposited into a XXXX XXXX account owned by Barclaycard.
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Company chooses not to provide a public response
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The debt collector verbally agreed and submitted for removal in XX/XX/2015. As of this request they have not been removed by the credit reporting agencies. I have requested and received and have attached a copy of the removal request from the debt collector. The debt collector is XXXX XXXX XXXX and there are XXXX " Clients '' 1. XXXX XXXX XXXX XXXX. 2. XXXX XXXX XXXX 3. XXXX XXXX, XXXX
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Company believes it acted appropriately as authorized by contract or law
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We have had d2 management call twice and attempt to collect debt from my wife that she has never had. The company claims the credit card was started through a XXXX XXXX XXXX, a XXXX card they stated was opened on XX/XX/XXXX and closed the following year, claiming " she made payments on the account from her bank ''. The first call stated she owed {$550.00}. Thinking this was from a recent store card she had opened in XX/XX/XXXX, she called the store credit card directly and verified that there was no balance on the card ( this is the first credit card she has ever opened, only ever having a debit card ). She called the collection agency back. When she refused to set up a payment plan, she was connected to the manager who stated she owed {$350.00}. They listed off her previous residence, gave her maiden name, and the manager even listed off her social security number in full, without verification, to me ( her husband ). They made statements that credit cards do n't always report to credit reports or that it might not show up on a credit report since it had been 8 years. They were adamant that there was no possible fraud involved on the account. They were each extremely pushy and would not listen to what we said, would not reveal their client ( seeing as this bank was bought out by XXXX XXXX and no longer exists ), said only that they were a collection agency and insisted that my wife had opened this account. She has never been contacted by XXXX XXXX. This is the first time we have heard anything on this " debt ''. We have checked credit scores multiple times in the past eight years and have not seen any sign of fault or no payment pertaining to any credit card. They were threatening that they would report us to the IRS as a XXXX unreported income. No current information was provided by my wife or myself to the debt collection agency on either of these calls as to current address, last name, or any bank account information. They called from ( XXXX ) XXXX which is a XXXX area code but stated they were calling from XXXX, that the local number was for phone numbers that do not have long distance service or only have a pay-as-you-go phone. They stated multiple times the legal disclaimer that they were seeking to collect on debt and that anything we said could be used to that means, that everything we said would be recorded for customer service and training purposes even using this to keep us from speaking.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I have stuff on my credit report that does not belong to me, I go by XXXX not XXXX. I want the stuff removed that is listed for XXXX. with experian
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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Citibank offers their customer a free credit ( FICO ) score and on XXXX/XXXX/16, I recevied an email from Citibank notifiying me of my current score which was obtained from XXXX.
According to Citibank as of XXXX/XXXX/16 my credit score was XXXX. In XXXX 2016, I filed several complaints with the CFPB against XXXX in regards to my credit score and disputed the accuracies. On or around XXXX/XXXX/16, I received and updated credit report from XXXX and it stated my current score was XXXX. I tried to reach out to Citibank and XXXX to dispute the inaccuracies and find out why there is XXXX different scores and nothing had change excepted for payments which should increase the scores not lower it by more than XXXX points. To date Citibank has refused to look into the matter and provide a response or corrective action.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I was charged a overdraft fee of {$36.00} by BBT Bank when my available balance was more that the amounted debited from my account. My posted balance was not so that is why the overdraft fee was charged according to BBT. However had I used my debit card for the same amount it would have been covered and NO overdraft fee. This is just a way for BBT to make extra money off consumers. What is really crazy is I made my deposit in cash at their ATM at XXXX and that was to late for them to post CASH to my account but it was showing in my available balance. Every other bank if you make a cash deposit anytime it is posted and available to use. This is totally just away for big bank to make extra money of the consumer.
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Company chooses not to provide a public response
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I sent a dispute letter to the bureaus ( XXXX, XXXX, and Trans Union ) this past XXXX 2015 requesting that they remove a XXXX debt of {$4000.00} that does not belong to me. They never removed the debt, but stated that it would remain in my credit reports. I investigated this debt and Representative XXXX ID # : XXXX/Branch # : XXXX at XXXX confirmed on XXXX XXXX, 2015 that they have no record of this debt in their system with my name, social security, nor address. Please, investigate and find out why the bureaus are not investigating debts properly and doing the job that they are responsible for ; which is resolving disputes as accurately as they can. Your attention to this matter would be greatly appreciated.
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Company chooses not to provide a public response
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I had XXXX collection that were showing on my credit report as past due amounts. XXXX {$930.00} and XXXX {$960.00}. I contacted both companies on XXXX/XXXX/15 and made a direct settlement ( debit card ) payment with them that was suppose to settle and close the accounts. Both of these companies have been reporting throughout the month of XXXX incorrectly. Reporting me still in the charge off status making a payment plan.. I did not make a payment plan with these companies but a settlement and the accounts were suppose to reflect that and be closed. XXXX continues to tell me that even though they made a settlement with me, the amount unpaid {$370.00} will still show as a past due balance?? How is that when they agreed to settle and close the account as the attached letter states. XXXX is doing the same thing per say and refuses to update the credit bureaus appropriately for 30 days but has updated my file XXXX or XXXX times with inaccurate information since my settlement, with the last update on XXXX. They shouldnt be able to update incorrect information. I did not make any payment plan with these companies as my report is showing. I made settlement and the accounts should reflect paid, closed with no past due amount owing. If they can not update this for 30 days then they should not update at all. Instead, my report is getting updated every week I believe with the wrong information which I feel makes my credit score worse. XXXX updated shortly after my payoff on XXXX/XXXX/15 showing a payment on a charge off?? and XXXX last reported XXXX/XXXX/15 showing a past due amount still owing, after I had just spent over XXXX hour with them on the phone. I am in the middle of trying to purchase a home and these companies are so defiant that the lender cant even do a rescore with my payoff letters. I have multiple disputes filed with my documentation and for some reason the credit bureaus are not addressing my actual dispute instead they are verifying with XXXX and XXXX and just taking whatever they say, updating my report with more wrong information and then telling me they settled my dispute. Any assistance you can give me is appreciated. All this intentional harrassment is inappropriate and hurting me. I did my part as a consumer. They should not be able to operate like this. The credit bureaus are suppose to address my disputes as I submit it, not just get an update on the account and take whatever the creditor says. Transunion has the documentation in there hands and refuses to update appropriately. They have fixed XXXX since that conversation but still show XXXX with a past due balance. XXXX is showing XXXX with a past due balance and XXXX as a charge off with no balance. It should reflect, paid, closed, no past due balance. XXXX addressed my dispute and shows XXXX with a {$930.00} charge off?? This account is settled/paid and closed. They show XXXX with a {$530.00} past due amount. {$960.00} charged off with a payment to the charge off in XXXX. That all has to hurt my credit score. None of that was in my dispute, I submitted my payoff letters and told them it should be settled/closed/paid. I am in the middle of trying to purchase a home and now I dont think Im going to be able to because of this intentional harrassment and mis reporting of my credit accounts.
Thank you, XXXX XXXX XXXX, cA XXXX
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