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Company believes complaint is the result of an isolated error
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the day after I closed on a new loan it was sold to a company that uses Shellpoint Mortgage Servicing. They have lost and then mishandled my information and now I ca n't even get a statement and its very difficult to pay my premium. When I call their number they say I ca n't get account info because I am in bankruptcy, which I have never been. It is all so confusing that I do n't even know if my loan is being paid or not. Let me know if you can help. 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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Pursuant to section 611 the Credit Reporting Agency did not have completeness of record for the inquires in question. The credit agency did not have proof I initiate the inquiries, pursuant to section 609 the FCRA, the Credit Reporting Agency did not prove the procedure of their investigation. I want the items ( inquiries ) on the attached demand letter deleted immediately.
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Company believes it acted appropriately as authorized by contract or law
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I had my mortgage with XXXX Mortgage and now it has been transferred XXXX, which is serviced by ServiSolutions. I was not notified of the transfer until the transfer had already happened, and my mortgage payment that I scheduled for XXXX XXXX, 2016 ( which was due XXXX/XXXX/2016 ) did not go through to XXXX because they had already transferred it from that point. I have received nothing from ServiSolutions and have n't been able to pay through them via their site or phone because neither have worked for me ( the site is saying they do n't have my loan and no one is picking up the phone ). I only received a letter from XXXX on XXXX.
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Company chooses not to provide a public response
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i had my identity stolen again, so i wrote to the XXXX credit agencies to get a a copy of my report, I sent them copies of my drivers license and including my SS #. Today i received a letter from Experian telling me about identity theft and how to handle it, the letter included instructions on how to get a credit report so i followed the instructions ( the phone version ) and at the end it tells me that i can not get a report and that i would have to send in paper work to include my SS #, copies of my license, bills, bank statements and etc.
This is the second time this has happened to me in less than a year and i never have received a report. It seems to me that these companies do not not want to give the reports out. but they will sell you their services so that you can get a copy of the report. I have tried for almost 2 years to get copies from all XXXX and it never happens, regardless of the paper work sent in. I have received a copy one year ago from credit karma in l\ less than 10 minutes but again never from the big XXXX.
What gives and why are they not held accountable for this injustice?
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Company believes it acted appropriately as authorized by contract or law
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We needed our car repaired and the cost came to {$1400.00} at XXXX we did not have the cash so the manager said we could get a easy pay loan and set it up over the phone after giving our information to someone over the phone he handed me the phone and a man told me that I could pay it off in 90 days same as cash or I COULD PAY {$140.00} for 12 months and I said I could do that and we had done that without fail the last 12 months never late. well on the 13 month they took another payment out so I called them and they were rude and said I owe for another year. they said I agreed to that no I did not, there was no contract sent to me only a over the phone agreement that I did without fail so I closed my account so they could not get another payment I do n't owe for.
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Company chooses not to provide a public response
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On XXXX XXXX, 2015 I received a bill of {$60.00} from Macy 's American express account. I informed the company the charge was fraudulent. I filled out a statement of fraud letter and mailed this to the company. I then received three calls a day from the collections department regarding non-payment. I informed them the charges were fraudulent and I should not be held responsible. The current date is XXXX 2015 and I continue to receive calls from the collections department.
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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 Wells Fargo approved a {$270000.00} principal only 40-year adjustable rate mortgage ( no escrow or PMI ) for a XXXX year old retired widow-my Mother.
My mother was unable to pay the mortgage, property taxes and insurance. By the time I learned of her plight, the mortgage had not been paid for 10 months and the XXXX and XXXX property taxes had been sold.
On XXXX XXXX, XXXX, Wells Fargo redeemed the property taxes ( {$8200.00} ) " to avoid losing... security interest in the property. '' On XXXX XXXX, XXXX, Wells Fargo approved a mortgage modification that reads ( attached ) : The Modification.
If my representations in Section XXXX continue to be true in all material respects and all preconditions to the modification set forth in Section XXXX have been met, the Loan Documents will automatically become modified on XXXX XXXX, XXXX ( the " Modification Effective Date '' ) and all unpaid late charges that remain unpaid will be waived.
Furthermore " The Modification '' states ( A. ) The new Maturity Date will be : XXXX XXXX, XXXX.
( B. ) The modified principal balance of my Note will include all amounts and arrearages that will be past due as of the modification Effective Date, ( including unpaid and deferred interest, fees, escrow advances and other costs, but excluding unpaid late charges, collectively, " Unpaid Amounts '' ) less any amounts paid to the Lender but not previously credited to my Loan, and less principal in the amount ( C. ) * The escrow payments may be adjusted periodically in accordance with applicable law and therefore my total monthly payment may change accordingly.
In compliance with the modification agreement, XXXX mortgage payments were made. Based on " The Modification '' clause, these mortgage payments were not credited to the loan.
My mother passed away on XXXX XXXX, XXXX. Before her passing, a Quit Claim Deed was processed assigning interest in the property over to me. I notified Wells Fargo of her passing, and received correspondence from Wells Fargo explaining the option of my assuming the mortgage. However, when I called Wells Fargo, I was told that I would not be able to assume the mortgage until the life of the mortgage was less than 30 years. It was than that I realized my mother had signed a 40-year mortgage.
In XXXX, 2 years after the Modification was granted, Wells Fargo alerted us that the monthly mortgage payment would increase to cover the expenses that were incurred in redeeming XXXX and XXXX property taxes. We believe this is an unfair practice and a breach of the agreement made between the lender/loan servicer, Wells Fargo, and my Mother because the property tax redemption occurred before the modification was approved and before the Effective Date of the Modification, and based on the language in Wells Fargo 's Modification agreement.
My initial complaint was sent to President Obama, and the President 's office forwarded the complaint on to the Consumer Protection Agency, who then sent it on to Wells Fargo. Wells Fargo 's response is included.
We believe the costs should have been included in the modification, and we believe these charges should be reversed, with any and all other remedies that may be available under the Law.
As of the date of this writing : The property is underwater.
Because of the added {$8200.00} the mortgage is, once again, unsustainable.
As of XXXX XXXX, Wells Fargo has increased the monthly mortgage payment, once again, due to increases in property taxes.
From XXXX/XXXX/XXXX until XXXX, there was no money available to make needed repair. In XXXX, Life insurance proceeds were used to make some repairs and upgrades to the property after her death.
The property is in need of repairs and upgrades in order to be in compliance with municipal safety codes.
Please help us. Your assistance in this matter is greatly appreciated.
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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 a mortgage with Washington Federal bank. I do not have any other account with them. I would like to make extra principal payments against my mortgage. I would like to make these extra principal payments online like I do all other payment transactions at other financial institutions. It is convenient and flexible with respect to timing and amount.
Washington Federal does not allow making payments online against a mortgage account. I do n't understand how a large financial institution can not allow online payments. The only way I can pay down my mortgage principal is to mail in a cheque or to visit a branch. I feel that Washington Federal is purposely making it inconvenient to pay down my mortgage so that they can collect more interest.
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Company chooses not to provide a public response
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I made a purchase online using my debit card which was linked to my XXXX account. When I received the item it was not an authentic item. I tried reaching the seller and got no response. I called XXXX and they informed me to call the bank as they were not the funding source. I called the bank and disputed charge and was informed via phone and mail that I can not be helped and they were sorry I have to get a hold of the seller.
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Company chooses not to provide a public response
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I did not opt into any plan and have the transaction immediately rejected by the merchant if the account lacks sufficient funds. This is the default setting when a bank account is opened, and no fee is incurred by a rejection of the transaction.
I was charged {$120.00} this month for a {$2.00} overcharge.
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Company chooses not to provide a public response
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For starters, I am locked out of seeing XXXX of my credit reports because the information they are asking me is so wrong and fraudulent that I am only left to think my identity, social security number and credit has been compromised. I do n't know what documents I could upload to prove anything, since I should have barley any credit as it 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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Synchrony Bank, an institution with whom we have a line of credit, has several times called our cell phones stating that there is a payment due when a payment has been made the previous week. Also we are getting robo-calls to our cell phones from this bank which are intended for other account holders of this bank. This seems to be a violation of both the FDCPA as well as the TCPA.
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Company chooses not to provide a public response
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I want to get my last name changed back to my maiden name with US Bank Home Mortgage. I currently have a mortgage through this bank. I was legally divorced on XXXX/XXXX/XXXX. I called US Bank in XXXX XXXX and notified them of my request. They mailed me a name change packet and requested documentation. I filled everything out and mailed it back. Since I did n't hear back from them, I assumed the name change had taken place. In XXXX XXXX, I received a copy of my annual escrow account disclosure statement and noticed my last name was still my married name. I called them to inform them that the name change had not taken place. They stated they did not have a copy of my final divorce decree. I asked them to look into the documentation that I submitted because everything was in the same packet so if they received all of the other documents, they should have the divorce decree. I did not receive any further follow up phone calls or emails to notify me of the results of the search. I called again on XXXX/XXXX/XXXX and they stated they still did not have the copy of the divorce decree so I faxed over the copy to the fax number that they provided me. I continued to call to verify they had received the document. I was told that it takes time for the bank to receive the information and then update my account. I called on XXXX/XXXX/XXXX and was told they still had not received the divorce decree. They gave me another fax number which I faxed the document to. I called on XXXX/XXXX/XXXX and they confirmed that the document was received but it takes 7-10 business days to update my account. I called again on XXXX/XXXX/XXXX, which was 10 business days and was told the account was still not updated. This time, the person I spoke with called another person to check on the status. She informed me that there was no documentation as to why the name change had not taken place and that this person would call or email me. I never heard anything back from anyone as of yet. I am writing this to ask for assistance in getting US Bank to change my last name to my maiden name. I have made at least 20 phone calls since XXXX XXXX and I still have not been able to resolve this. There has been no communication from the bank to me, NO COMMUNICATION, I have current email and phone numbers with them. I need to file my taxes and can not do so because they have the wrong last name. They also sent me a refund check on my account, which I can not cash, as the check has my married name listed. Please help.
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Company chooses not to provide a public response
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Macy 's department store double billed us for a {$180.00} mattress pad and refused to drop the erroneous charge until after XXXX or XXXX billing cycles has passed. We pay our credit card account balances in full. By Macy 's refusal to remove the erroneous charge, we fear being charged interest for an item that we did not receive. Macy 's credit was extremely difficult to work with as it took XXXX phone conversation attempts to speak to a knowledgeable person to help resolve the issue. At XXXX point, we were forced to go to the store location where the erroneous charge was made and call Macy 's Credit while in the store. The Macy 's associates that we spoke to were unprofessional, extremely rude, and more concerned regarding caller authentication in lieu of the issue. We requested that a formal claim be opened to address our issue. After much push back from the Macy 's call center associates, we were provided with the following case / claim number : XXXX. We have no confidence that this matter will be resolved in a timely and correct manner. I look forward to your assistance in resolving this matter.
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Company chooses not to provide a public response
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We are in disagreement with Bank of America Home Loans on the denial letter for a loan modification received on XXXX XXXX, 2015. We believe that Bank of America is not acting in good faith on making this decision in our loan. Based on our current financial situation, we qualify for a modification under the Hamp Program Tier 1. We believe that we meet all qualification requirements for this program. In addition, The Net Present Value Data Input and Values Chart used Bank of America to disqualified our loan modification application is based on high predatory lending rate of 7.5 % when the current mortgage loan interest rate available on the open market is less than 4.5 %. Moreover, Bank of America stated that we have poor credit score, which is not the case because cur based on Bank of America NPV report our credit score is XXXX. In today 's credit score requirement any person can qualify for a XXXX XXXX, or FHA loan with less than XXXX score. We are here appealing Bank of America 's denial decision in our loan based on the above grounds, and we ask the Bank of America comply with all Federal, State and Local laws, and provide us with this information. We will submit copy of this complaint to Bank of America.
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Company chooses not to provide a public response
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It started at XXXX Putting an application in for the principal reduction program. They transferred my account to SLS .I had Hud and KYHC trying to help but I had 3 years of taxes to file before they could complete the app.I could not do that in time so they had to close the case. I searched and found American Foreclosure Prevention ( AFP ) .First we did my tax returns, then completed the app to submit to SLS. I was approved for the HAMP TIER 2 Program.. Then I had to make 3 trial payments of {$2000.00} on time starting with XXXX/XXXX/XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX before SLS would send permanent documents to sign. I kept in close contact by calling 2 times a week for status updates. my single point of contact kept telling me its still in underwriting but it should be by the end of the weekEven on the day before I was denied he said I should have the documents to complete this approved loan. Before XX/XX/XXXX I get an email from SLS stating I was denied.I replied instantly with a letter denying what they said I did.They blamed me for withdrawing my application.I was on fire! That was their only excuse for the denial listed.Then I called them and XXXX, my contact, was not available so i was hooked up with agent XXXX who told me it had to be a mistake, put me on hold.She came back trying to explain that there was a mistake by the underwriters for approving the loan. I was furious because I thought I had already proved I could make the payments and had secured a fixed at 3.625 % loan with a principal reduction set to the current market value of {$380000.00}, their written appraised amount. So, I had my 3rd party XXXX XXXX from XXXX get back in this mixed up loan denial of approved loan extended mistaken discussion. All SLS did was made several delayed pass the buck around to put me closer to the deadline of a foreclosure sale date. They only gave XXXX choice. Start over by reapplying and updating the documents puting in a new intention form to keep my house and so on. I thought that was not going to help. They already have proven to me what they are capable of doing by putting me as the blame. I did not withdraw my application and should not have to start over. XXXX insisted I start faxing him updated bank statements and all the documents that are required. Meanwhile I start receiving letters from SLS that include me already applied but are missing documents. Another notice saying they received the other needed docs and evaluated me for several loan that were all denied. Again I am told I applied the XXXX time and getting denied for the HAMP loans but approved for Their StandardTrial to Modification loan. That has terms of a step XXXX arm which basically is mostly @ {$2700.00} with a balloon in XX/XX/XXXX of {$250000.00} ... Also the unpaid principal jumps to {$730000.00} from {$570000.00}. Does this sound more affordable? SLS wants my decision by XXXX/XXXX/XXXX
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Company believes it acted appropriately as authorized by contract or law
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About one year ago my mortgage company increased my payment by about {$280.00}. I was paying {$610.00} and have been paying {$890.00}. They claimed that my property taxes had increased and that was the reason for the payment increase. I went down to the tax accessor 's office and they said that my taxes had not increased, in addition my taxes are reduced even further because I am XXXX so I receive a tax reduction from the county which I complete that paperwork every year. In addition, my homeowners insurance had not increased, therefore my mortgage payment should not have increased. What they are doing is illegal and violates RESPA. They have failed to resolve this matter or give me a reasonable explanation why they are continuing to charge me this increased erroneous amount.
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Company believes it acted appropriately as authorized by contract or law
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TFC Bank sent me a claim questionnaire form in regards to my previous complaint to the Consumer Financial Protection Bureau, please review CFPB Case # XXXX. I filed a claim for an unauthorized account opening claim in my name. I want TCF Bank to inform me on whether my claim was settled in my favor.
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Company chooses not to provide a public response
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US Bank scheduled a foreclosure sale on my home. Before the relevant deadline, I requested consideration for a HAMP modification by submitting a loan modification package with all supporting documents. I submitted that information with help from a HUD certified housing counseling agency. I followed up diligently and responded promptly to further requests, even though US Bank created unnecessary barriers and made it difficult to communicate. But now US Bank is refusing to cancel the foreclosure sale as required by XXXX regulations and other rules.
According to XXXX XXXX XXXX this foreclosure sale must be suspended. XXXX XXXX XXXX XXXX XXXX XXXX states : When a borrower submits a request for XXXX consideration after a foreclosure sale date has been scheduled and the request is received no later than midnight of the seventh business day prior to the foreclosure sale date ( Deadline ), the servicer must suspend the sale ... A borrower is deemed to have requested consideration for XXXX when an Initial Package is received by the servicer ...
In my case ( detailed in the attached ) a complete Initial Package was submitted prior to the Deadline, and therefore the sale must be suspended. I have been proactive in following up with US Bank and I have responded promptly to all requests, despite the fact that US Bank has been very difficult to communicate with and has created unnecessary barriers.
My complete loan modification package with all required documents was submitted to US Bank on XXXX/XXXX/XXXX with help from a XXXX certified housing counseling agency.
US Bank sent me a letter dated XXXX/XXXX/XXXX acknowledging receipt of my application. No further documentation was requested.
After the application was submitted, I began calling US Bank in order to check on its status and confirm nothing more was needed. It took numerous phone calls and unreturned voicemails over several days before I finally reached a US Bank employee XXXX XXXX XXXX who agreed to provide me with info about my application. She told me I needed to send additional, more recent paystubs for XXXX my jobs. I explained that particular job is seasonal, no work had been available recently, and therefore I had no new paystubs. She responded that I should write and send in a letter explaining this. No other documents were requested.
That same day, I sent to US Bank via email a signed, dated letter with the requested explanation. Receipt of this letter was later acknowledged in an email from US Bank rep XXXX XXXX.
I received another letter from US Bank on XXXX/XXXX/XXXX. This letter was dated XXXX/XXXX/XXXX. According to this letter, only XXXX additional thing was required for my application to be considered " facially complete : '' additional paystubs from my seasonal job. I had already responded to that request, as detailed above.
Also included with the letter was a blank " Monthly Household Expenses '' form. This form had not been included in the modification application that I was asked to complete at the beginning of the process. The cover letter said nothing about this new form. This form was duplicative, since I had already provided monthly expenses info as part of the application forms sent to US Bank on XXXX/XXXX/XXXX. I had even provided an extra, more detailed budget form with the package submitted on XXXX.
Due to XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX was the next business day. I called US Bank and reached XXXX XXXX. She acknowledged receipt of my letter regarding the seasonal job and said it was sufficient. She said that the household expenses form was needed, even after I explained I had already provided that info. She indicated that was the only thing I needed to send.
On XXXX/XXXX/XXXX, I sent via email the completed budget form. US Bank employee XXXX XXXX later sent an email acknowledging receipt.
Since then, US Bank reps have refused to postpone or cancel the foreclosure sale.
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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 called them and they agreed to remove from my account in stead the are reporting the following which is wrong Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Student Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 180 Months Monthly Payment {$18000.00} Responsibility Co-maker/Signer Balance {$18000.00} Highest Balance {$15000.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XXXX XXXX, XXXX Amount Past Due {$18000.00} Times 30/60/90 Days Late XXXX Remarks Charged off as bad debt Profit and loss write-off
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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 " lost '' over {$2400.00} in funds from my retirement savings account and then engaged in unfair, deceptive and abusive acts and practices in an attempt to circumvent responsibility for their error causing me significant financial and emotional injury.
In XXXX XXXX, I requested an internal transfer of {$2400.00} in existing IRA funds at Wells Fargo into an IRA Market Rate Savings account. Upon reviewing my records in late XXXX, I noticed that I had n't received account status information from Wells Fargo. When I called Wells Fargo 's toll free line to determine the current account balance, I was transferred between several different offices, none of which was able to pull up the balance. Accordingly, I went in person to their XXXX, NY branch office on XXXX/XXXX/XXXX. There, I was told that while there is a record of my XXXX XXXX transfer request, the account could not be located.
Since it was obvious the bank had made some kind of error, I expected that Wells Fargo would take the lead in rectifying and made it clear that I expected to be sent a letter disclosing what happened and explaining how I would be made whole. This was not the case. I had to make several additional visits, make numerous calls and send e-mail before I was finally told at last that Wells Fargo corporate would investigate. Finally, in late XXXX XXXX, I was told that the funds would be made available.
When I went into a local branch ( XXXX, NY ) to collect the funds, they had no record of the account. When I went back to Wells Fargo 's XXXX NY branch on XXXX/XXXX/XXXX, I was told that I would have to open a new account into which the funds would be deposited. I was initially told the balance would be over {$800.00} less than the XXXX opening balance of {$2400.00}. Fortunately, I had account documents showing the opening balance. I was then offered the original opening balance with absolutely no interest over the 4.5 years, no explanation of what occurred and no assurance that I would be protected from potential tax liability because of the bank 's error. I advised Wells Fargo that I would not open an account to receive the funds without a letter from them and that I expected reasonable interest.
When I went to the XXXX, NY branch on XXXX/XXXX/XXXX, I was presented with a terse letter acknowledging the bank 's error. I was offered access to funds if I opened a new account, which I reluctantly did, telling the bank that I would be filing a consumer complaint because of their complete lack of transparency in dealing with me.
Specifically : Wells Fargo provided absolutely no explanation as to how interest was calculated. In their letter, they claim they provided me with {$5.00} in interest for the 4.5-year- period, yet the balance they provided is only {$0.00} greater than the opening balance. It would appear I am being charged undisclosed balance fees on an account they claim they never actually opened.
I was not provided a disclosure statement about interest and fees associated with the new account ( although some disclosure were subsequently mailed after the new account was established ) Given that I received no interest disclosure from Wells Fargo on the account over the four year period, an interest rate of 5 % would seem more appropriate.
Wells Fargo has failed to confirm that they would indemnify me should I incur any penalties and fees as a result of their error.
Wells Fargo 's letter to me does not really explain what happened. I would like confirmation that my identity was not compromised and that my account was not improperly accessed.
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Company believes it acted appropriately as authorized by contract or law
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I received a default on mortgage, for months XXXX XXXX and XXXX XXXX, payments. The default amount does not match the amount per my accounting records ( per my mortgage modification ). I would like an accounting statement for years XXXX XXXX to the present day XXXX/XXXX/XXXX. Please include our monthly payment ( per the modification agreement ). Also, please indicate current payment amount, when and by how much the payment has changed within timeframe, clarify any fees incurred with date, and disclose all tax and insurance disbursements with date. Finally, please include a complete accounting disclosure of the " unapplied funds '', since acquiring this loan as Greentree Servicing in ( XXXX ). I plan on having this default reviewed by my attorney. I do not trust this mortgage servicing company is acting in good faith, and transparent accounting is not available through their website.
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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 part of the XXXX XXXX Debt collection process with my Mortgage Loan via BOA and was never included in the class action lawsuit. Is there anything I can do to claim any monetary funds due to the issues they caused my credit report, finances, etc.? Please let me know and thank you again for your time! WE were all taken advantage of by them!
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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 contacted you before in reference to wrongful interest charges on my account. This has been resolved but ever since they re-opened my card account they stopped sending me statements. I had no idea when my payment was due until i received an email stating it was late and they would charge me a fee!
now i have been charged with TWO late payment fees that i was NEVER told about. Top it off my min payment went from XXXX to XXXX to XXXX a month how does it jump like that?!!?!
the promotion is supposed to be INTEREST FREE and i am getting billed for interest as well!
i demand my fees returned and my min payment to be back to XXXX i can not wait to pay this ridiculous bank off and never ever deal with them again worse customer service ever
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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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When my ex wife, XXXX XXXX and I were divorced about 10 years ago, we closed our joint checking account at Bank of America in XXXX XXXX. My ex wife moved to XXXX XXXX and opened a checking account with BOA in her name only I continued to live on XXXX XXXX About 3 years ago, I opened my own checking account with BOA in XXXX XXXX..
When ex wife over drew BOA checking account in XXXX BOA activated a line of credit account my ex wife and I opened prior to our divorce years and forgot to close My ex wife overdrew her checking in 2015 activating the line of credit account. BOA sent notices of past due overdraft account to my wife 's a ddress in XXXX The letters were addresses to XXXX XXXX and XXXX XXXX I was never notified about this overdraft problem at my home in XXXX XXXX ( see attachment ) My ex wife mailed copies of BOA letters about the overdraft account, my first knowledge about the problem, I went to BOA in XXXX XXXX, they explained to me about the overdraft and they filed a bad credit report with credit bureau. BOA told me that, my ex wfes XXXX addfress showed as the official address in their records for both of us. Even though I had seperate BOA account in XXXX XXXX, Bank of America made no arttempt to notify me at my XXXX address. Bank of America just used my ex wife XXXX address because my ex wife over drew here account and since we were both on the old line credit account, they just put my name on the collection letters sent to XXXX I was never notified about the problem BOA refused to restore my credit be cause their official records showed that we both lived at the XXXX address, which is a phoney excuse.
fl boa
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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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Hi CFPB, I am a former student of the closed and delinquent XXXX school " XXXX XXXX ''. I am coming today asking for a refund for a loan that I paid through " Genesis lending '' under the fraudulent college in the full amount I have previously paid. I paid the whole loan XX/XX/XXXX while in midst of the whole controversy about deceptive practices of XXXX, and even in that time still made good on my owed amount. I recently had my federal loan forgiven and will be receiving a refund from that, however I also wanted to contact you if it was possible to also have my paid money returned from the Genesis lending service. I have all documents in tact and my account number was # XXXX which then was turned to XXXX ( XXXX XXXX XXXX ) account number # XXXX.
It is not the largest of amounts, but I 'd like to see if I can receive a refund for payments that I always kept in good standing. I 'd like to take back my money from that corrupt college practice and start a new again, and I feel it should be an entitlement not only for me, but for all the students. That is our rightful money that came out our pockets that we thought was going to a good use, but ended up paying for a sham college that does n't even exist anymore and I want my money back!
If there is no refund for prior payments made, where is my money??? It was gobbled up by Genesis lending for god knows what and I deserve it back OR it is just sitting somewhere in limbo ... that 's wasted!!
Need your assistance helping us getting our money back!!!
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Company believes it acted appropriately as authorized by contract or law
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I am currently XXXX to the XXXX XXXX, I fell behind on mortgage payments, Internet services are not always available. I 've reached out to the bank several times to see what options were available to me to no avail. My credit score is dropping dramaticly. I finally was able to make a call and speak with someone. I asked what my options are and she told me that I would have to fill out, scan, fax all this paperwork to her to see ; otherwise there is nothing they can do for me. I explained my situation and how these resources are not readily available to me. She then told me that I should 've planned for this better. I did not / was not even going to entertain that ignorance. I asked if they could temporarily suspend reporting any further deliquencies to the credit bureaus until I return XXXX XX/XX/XXXX/XX/XX/XXXX. She responded " no ''. I asked her if I paid the past due amount right now in full on the phone could they waive the late fees & corporate fees as well as delete the derogatory and late payments from my credit report. She responded with " we do n't do that ''. Up until my XXXX I was in good standing with my mortgage payment, never have been late. I have been working hard to reestablish my credit from my divorce a few years ago ; I involuntarily XXXX to serve my country, leaving my kids behind for less money and to try and deal with this. I am willing to work with the bank but they are not willing to work with me. I know I am protected to a certain extent under the SCRA and they ca n't start foreclosure proceedings for a certain amount amount of time. All this has just added unnecessary stress ; stress that I have absolutley no control over. I am seeking help from CFPB to see if there is anything they can do for me.
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Company believes it acted appropriately as authorized by contract or law
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I have XXXX debts with Enhanced Recovery Corporation. XXXX debt was with XXXX that was ended in the year XXXX but ERC is reporting that it was open in XXXX/XXXX/XXXX. They will not provide me proof that this debt is mine and that the information is correct even though I told them the information they have is wrong. they also have been reporting a debt for {$180.00} that when I called and asked for validation for this debt they could not find the file. This is beyond unprofessional and i 'm requesting a full deletion of these reports on my credit reports.
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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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XXXX XXXX XXXX firm claimed to be a debt collector for Cash Call. XXXX XXXX XXXX firm is a total SCAM! He is n't a so called law firm. We a agreed on a monthly payment of {$120.00} a month XX/XX/XXXX for a debt due to Cash Call. I did n't know at the time that he was a scammer. I paid {$600.00} up front via my checking account. I paid {$120.00} each month till XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX firm took two payments of {$120.00} when I did n't agree to that. My bank account shows XXXX XXXX XXXX but nothing about a law firm. I then called XXXX XXXX XXXX firm and got no answer, left a message and he never called me back. Then on XXXX XXXX XXXX at XXXX I get a call from XXXX from XXXX XXXX XXXX firm saying I 'm in big trouble for closing my bank account out and saying I still owe {$600.00} but now I 'm going to owe {$6500.00}. I told him I finally found out they have been scamming me for all these years. XXXX of course denied that. I told him send me a letter with proof of everything he was saying. XXXX then called my daughter 8 times and harassed her. XXXX said he looked up both of our XXXX pages and said he knows everything about us. My daughter told him if he calls again we are calling the police and reporting him. He hung up and ten minutes later tried to call her again. She did n't answer, he has n't called since. Now I 'm reporting them everywhere I can, so I can warn others.
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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, I disputed a charge on a Wells Fargo ( WF ) issued credit card for XXXX XXXX XXXX ( XXXX ). The purchase was made at a XXXX affiliated store, XXXX XXXX in XXXX, Hawaii. On XXXX XXXX, XXXX, I called WF Disputes Department agent XXXX who wrote advising me WF ruled the transaction valid. In the WF letter, I discovered a XXXX return policy agreement with my signature forged. The agent indicated on the phone he was on his third day of training so I requested a new dispute based on his lack of experience but primarily because of the alleged forgery.On XXXX XXXX, XXXX, I received a letter from WF agent XXXX indicating the charge was valid because there was no return credit given by merchant, despite the fact the merchandise was returned on XXXX XXXX, XXXX. In his letter, the agent indicated I could contact him with questions, however, I never received a return call from left messages. Therefore, I sent a certified letter to WF requesting all documents provided by XXXX to support its claim the charge was valid. WF Executive Office contacted me and indicated remediation analyst XXXX would review my case and be in touch by letter. Once I received that letter, I realized the agent took only one day from the date I was contacted by phone to review 5 months of correspondence to decide the charge was valid. The decision was once again based on XXXX return policy and no issuance of a credit refund. Doubtful there had been a review, I contacted the Executive Office and complained about the apparent lack of consideration of the facts in the case.My complaint against Wells Fargo Financial Retail Services stems from : 1 ) apparent lack of experience of WF dispute agents and no return calls from agents, despite indication to call with questions 2 ) no consideration by WF of misrepresentation of product facts by XXXX sales person or mention of Federal Trade Commission complaint ( FTC reference number XXXX ) filed against XXXX for breach of implied warranty of fitness. Wells Fargo only offered an apology if I experienced any dissatisfaction with XXXX 3 ) no consideration by WF of Office of Consumer Protection of Department of Commerce and Consumer Affairs complaint ( case # : XXXX XXXX XXXX ) 4 ) no consideration by WF of alleged forgery or police report ( Report # : XXXX ) for forgery filed against XXXX salesperson 5 ) no consideration for my XXXX acceptance of XXXX XXXX return policy ( had I been informed of or read XXXX restrictive return policy, I would have walked out of store without purchasing ) 6 ) concerned all letters and emails have n't been reviewed by WF, perhaps because not all documents were received ( this concern is based on XXXX/XXXX/XXXX emails sent to email address provided by XXXX in Executive Office but not received 7 ) concerned WF declaration the charge is valid is based on XXXX XXXX return policy agreement ( which bears my alleged forged signature ). WF apparently ignored XXXX refund offer, in a XXXX XXXX, XXXX email to me, for any price difference on an exchange item. XXXX XXXX return policy is apparently flexible and not set in stone as the company seems to indicate in communications with WF ( a refund is no longer acceptable as I have already purchased a bed from a different retailer ) 8 ) another concern is the connection between XXXX XXXX XXXX and Wells Fargo. XXXX is XXXX largest buying and marketing organization and Wells Fargo Financial Retail Services is a preferred provider of consumer financing with XXXX ( from XXXX website ). XXXX is associated with XXXX and the WF credit card on which I purchased merchandise bears the XXXX label. Wells Fargo may be acting and deciding on behalf of XXXX and its affiliated store, 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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On XXXX XXXX ' 2016 at XXXX ( PST ) I spoke via telephone with XXXX XXXX XXXX from Wells Fargo Home Mortgage, Customer Care and Recovery Group and did ask her to submit to us a ( 1 ) Payoff Statement and ( 2 ) Loan Payment History on a HELOC that we have with them.
Up until today XXXX XXXX ' 2016 we have received nothing.
These documents are very important to us, since we 're doing everything to our reach to avoid the foreclosure sale on our sole property.
I 'll be XXXX years old XX/XX/XXXX and my wife will be XXXX by XX/XX/XXXX. It 's important to point out that we have been making monthly payments regularly for the last 18+ months. The main reason we did fall behind was during XX/XX/XXXX/XX/XX/XXXX while my wife was obtaining at age XXXX her XXXX Degree in XXXX and XXXX. She is well over {$100000.00} on student loans and need to be repaid ( $ XXXX+/month ).
She is now working for XXXX XXXX helping XXXX with prevention of XXXX, XXXX, XXXX XXXX, etc.
For us it will be a devastating blow to have to loose our only property, specially now that we can make our monthly payments regularly.
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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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Have tried to get a loan modification from Wells Fargo to not avail, even though they have a XXXX and XXXX XXXX on our only property.
They keep coming back denying the modification, because all their calculations are based upon the income and payment on the XXXX XXXX, without considering our XXXX XXXX payment and my wife ( she 's XXXX years old ) Student Loan payments that amounts to over $ XXXX/month.
She did receive her XXXX XXXX XXXX in XXXX and XXXX at age XXXX.
Now helping the XXXX, XXXX XXXX, XXXX, XXXX XXXX, etc.
working for XXXX XXXX as a XXXX XXXX XXXX I 'm XXXX years old, XXXX from XXXX We want to keep our only property.
A NOD has been already filed, even though we were in the middle of a Loan Modification process.
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Company believes it acted appropriately as authorized by contract or law
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My bank recently closed my bank account due to an reporting by USAA to XXXX. I got a copy of my XXXX and it is EMPTY. Nothing on there but apparently USAA reported me to Early Warning Services XXXX by in XXXX and I have NEVER even opened a USAA or heard of them. I contacted bank to ask to remove XXXX XXXX report and they said since its from XXXX they ca n't see that far back and that its was written off. They then invited me to open a new account. Please make them remove the XXXX XXXX XXXX report.
This is making a mess of my financial life. I want to see proof with my signature on it that I opened these accounts. If you can not provide documentation with my signature, I demand these XXXX items be removed from XXXX XXXX XXXX XXXX XXXX. I will be filing a lawsuit in CA court on Tuesday.
Account # 's XXXX and Account # XXXX
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Company chooses not to provide a public response
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I had a Macy 's charge account that I had maintained a {$0.00} balance on in the past with no issue. When I had spoken to the clerk who opened my account I made sure to ask if there were any monthly or yearly fees and she assured me there were none. I made a purchase that I had paid in full on XXXX XXXX 2015. Apparently, without any notice to me, between that time they have started charging a monthly fee they call a " minimum interest charge ''. Being unaware of this fee ( thinking my account was paid in full ) I did not prepare and they debited my account. The payment was returned NSF and they proceeded to attempt to collect this {$2.00} " fee '' two more times. I understand re-running an ACH once is common practice, but three times I have never heard of. As a result I have lost {$75.00} in fees from my financial institution over a {$2.00} balance that I was never notified of. I attempted to remove my payment information from their website and it did not allow me to. The fact that they ran the payment three times and will not allow me to delete my account information makes me incredibly suspicious that they are committing some kind of minor fraud.
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Company believes it acted appropriately as authorized by contract or law
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We have been trying to get a loan modification from Shellppoint Mortgage since XXXX/XXXX/15 and Shellpoint is not being copperative at all and they keep changing the assigned representative handling the file and continue to ask for the same documents over and over.
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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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First off, Bank of America closed my account after a perfect payment history, claiming my line was being used too much. I accepted this, but then when I attempted to retrieve points, which I earned, I was told the account was closed and I was getting nothing because of it. If the agreement contained information about getting points and redeeming them for credit to my card or other things, I think I should get this. In addition, I was told I had a ZERO interest rate on my account for almost 2 years and I have been getting charged interest each month since they closed my account. I want to know why they can break my agreement, not give me the credit I earned and charge interest on something that is interest free still?
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Company believes it acted appropriately as authorized by contract or law
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I had fraud on my checking account with Navy Federal Credit Union. This happened while I was in XXXX, the person who did it was XXXX XXXX, I submitted all the fraud affidavits filed a report with the police in XXXX, XXXX and filed a ftc report as well. In addition I filed the fraud paperwork Navy Federal Credit Union sent me. This still has not been resolved. Navy Federal has blocked access to my accounts and say I owe them for this. I have filled out all the paperwork, filed police report but still they will not let me access my ccounts or give me new account numbers.
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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 Overdraft Protection from Savings account plan states that it will transfer funds to cover items when the available balance is less than the amount necessary to cover the items, however, they are executing a funds transfer and charging a fee every time the balance is lower than {$20.00} even when there are no items pending that will take the balance into a negative balance. They are charging the consumer a transfer fee just because they have a low balance and not just to cover items that will send the account into overdraft. They are fraudulently charging these fees for overdraft protection from a savings account.
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Company believes the complaint is the result of a misunderstanding
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Lender Live has began the same unscrupulous tactics that began XXXX 2015 ( see previous complaint ref # XXXX XXXX. I have bean receiving multiple phone calls daily stating that I did not pay my mortgage in XXXX. I have bill pay which automatically sends a check monthly. The agent ( XXXX ) recommended that I make a payment immediately so it does not show on my credit report. I told him no since my bank makes the same payment each month. XXXX stated that since there is no coupon associated with the payment, the computer may misdirect it and I am still responsible even if I have confirmation from my bank when the check was mailed and delivered. My account number and property address is on each payment. I should not be harassed and threatened because the organization does not have the appropriate systems to process payments.
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Company chooses not to provide a public response
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Alpha Recovery Corp. has contacted family members on their personal cellular phones to discuss debt collection of my personal debt. When they have been successful in contacting my family members, they have threatened and harrassed them. They have also left threatening and harrassing messages on my personal home phone line and cellular phone.
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Company believes the complaint is the result of a misunderstanding
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Hunter Warfield is attempting to collect a debt that I owe to XXXX XXXX XXXX Apartments. The amount is around {$16000.00}. I am disputing approximately {$10000.00}. I am not doing well health wise and I am having some problems communicating verbally at times. So, I wrote them a letter with the help from the legal aid office in XXXX.
In the letter I disputed the {$10000.00} and gave the reasons for the dispute. I also attached another document as proof of the validity of my statement.
I also requested them to stop communications with me by phone regarding the account. I requested this because I have n't been feeling well and have difficulties communicating. I want them to contact me in writing. I sent the letter via Priority Mail to Hunter Warfield, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The signature confirmation receipt # is XXXX XXXX XXXX XXXX XXXX receipt of the package was done on XXXX XXXX, 2015 at XXXX and was signed by XXXX XXXX.
XXXX XXXX continued to called me daily and called me twice at work on my first day back since XXXX ( I 've been ill. ) And twice on my cell phone. The phone calls to my cell phone that day were at XXXX and XXXX on Wedenesday XXXX XXXX. The calls to my work were around the same time. I think XXXX calls in an afternoon is excessive.
I answered the phone because I do not want to loose my job and they had called twice to it that afternoon. I told the man that I did not consent being recorded. He raised his voice and said that this was a business call and had to be recorded. I told him I did not consent to being recorded and asked him if they had received my letter. He recorded the conversation anyways.
He did n't let me speak. I told him that I sent them a letter disputing the amount and requesting not being contacted by phone. That it was delivered and signed by XXXX XXXX. He said that he has n't seen any letter and I told him that they signed for it so they needed to get their act together and find it. I knew they received it. He said he had no letter and that since I did n't want to be contacted by phone that he was going to recommend to their client that they report me to the credit bureau that afternoon.
I told him that I wanted communication to be in writing and he would n't let me speak. And continue to state that they were going to report me to the credit agencies. I told him that he needs to find that letter because I 'm disputing a large portion of the amount. He hung up.
So he recorded me without my consent. He denied receipt of the letter even though it was delivered and signed by Hunter Warfield. And they are not allowing me to dispute a portion of the debt. In my view, they are attempting to collect the wrong amount by denying receipt of it and by not respecting my request of ceasing communication by phone, and then retaliating against me for it.
The address to which I sent the letter is the address that was on the only debt collection letter that I received. If that is not the correct address they are not being fair. They should n't be able to only give people one means to communicate. I should n't have to be bullied into talking to them over the phone if I am not feeling well and I am having difficulties. I should be able to dispute the amount in writing if I think it is wrong and provide documentation for it.
Their system does not allow for a fair dispute of debt. In my view, they are trying to confuse people into thinking that they have to do everything by phone. I think that their system is set up so they can deny receipt of dispute letters and then collect full amounts or threaten people with retaliation. It 's not fair. I got my collection letter. Wrote a dispute letter and sent it through registered mail. I asked for communication to be in writing and now I 'm being retaliated against.
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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 obtained a {$35000.00} XXXX Loan with Bank of America in XXXX. This loan was solicited to me as a fixed rate, 60 month term loan. However, the loan was converted in XXXX or XXXX to a revolving account without my consent. I have tried unsuccessfully to resolve this issue with the bank to no avail. From documentation I 've received, the bank does n't know how much the loan was for or the APR nor the terms. I 've received letter stating the loan was for {$35000.00} then another XXXX saying it was for {$37000.00}. In addition, I had a Bank of America credit card during this same time and all the terms and conditions on this loan mirror my credit card. Based on my bank records, I have paid over {$70000.00} on this loan. It seems predatory lending at it 's best. I have researched online and I am not the only customers with this experience with this type of loan from Bank of America.
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Company believes it acted appropriately as authorized by contract or law
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I am a veteran but I am currently an XXXX XXXX dependent XXXX with my wife in XXXX, XXXX. I bought a condo in XXXX, XXXX in XX/XX/XXXX. XX/XX/XXXX was the recession and the drop in housing. I left my job there in XX/XX/XXXX and moved to XXXX for a different job. I was renting out the property without issue until I lost my job in XXXX. My loan is with Select Portfolio Servicing. It 's an XXXX loan and I believe the XXXX % belongs to XXXX XXXX. With losing my job, I could n't pay the mortgage. I tried and tried for a short sale but was denied at every turn. I did n't feel like it was ever a possibility. I subsequently had to file for bankruptcy in XX/XX/XXXX. They kept coming after me for the money even after the bankruptcy went through. Because I could n't really help myself in the states and had no one close to the property, I retained a lawyer about a year ago to handle figuring out when/if the place was ever foreclosed on. The lawyers have been doing a decent job keeping me posted but I feel like the mortgage company is dragging their feet on purpose. I believe the property is currently going through a sheriff sale but I have no idea. I ask the attorneys, they say it 's not on the list, and it has n't happened yet, and they 'll get back to me. I believe the problem is with the mortgage company or the state. All I want is some transparency. I want to know why I was n't helped with a short sale. I want to know why I was n't really helped with this situation at all.
Also, this entire time, I have accruing association fees at $ XXXX/mo. because my condo was a part of an " association ''. This happens even if I 've declared bankruptcy and could not pay. How in the world is this fair? The property belonged to the state of XXXX ( where I declared bankruptcy ) since XX/XX/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 did not open a XXXX XXXX. I have disputed with the XXXX bureaus at least 12 times.
I have requested validation of all information such as original application and signature, all statements and payment history, disputes and collection letters, account terms and conditions, authorized users, etc. they have not been able to validate this information. I sent certified letter and they have 30 days to validate and can not so they must remove from my credit report and permanently delete the information. Account states that I can not be located and was sold to XXXX. XXXX sent me a letter stating they were closing the account and removing from my credit report since they have no information of the XXXX XXXX.
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Company believes it acted appropriately as authorized by contract or law
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In case # XXXX, SPS does n't address anything that I submitted ; they just repeated that they thought that my transaction is not a rescindable transaction, and sent copies of everything that everybody already have copies of.
They do not address my taking issue with them calling the XXXX mortgage payoff a " protective advance '' instead of a consolidation payoff because there was nothing to protect ... I was not in danger of foreclosure by XXXX XXXX, so there was nothing to protect. If what they say was valid, everybody anywhere who has a XXXX mortgage is in danger of their XXXX mortgage being paid odd just because the XXXX mortgage holder wants to, and then calls it a " protective advance ''.
SPS did not address anything ' as I stated, they just provided copies of correspondence that I already have.
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Company believes it acted appropriately as authorized by contract or law
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I have been trying to do a short sale on this property since XXXX/XXXX/XXXX. Every time we submit documents, the servicer says they can not move forward because the foreclosure sale date is too close. So, either our attorney or the servicer goes to court and requests an extension. The extension is granted and I try to move forward with the short sale. The servicer again says they need more time, so the short sale is denied. I just called them, after getting an extension to XXXX/XXXX/XXXX, and they said they need at least 6 weeks to complete a short sale and said they want it to foreclose, they wo n't do the short sale.
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Company believes it acted appropriately as authorized by contract or law
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I have been attempting to refinance my home for over two years. The servicing company select portfolio servicing has been giving me the runaround consistently for this entire time. I have submitted and resubmitted paperwork in various forms for them over and over again with no true excuse as to why they were needed submitted in another manner. They hide behind " the program requires that we ... '' And continue to ask me to provide different information. Frankly, I am uncomfortable that they do not even own the right to collect my mortgage and have contacted them requesting a QIR. I have done so by certified mail and they have not met their obligation of even answering this request. They have however sent me a paid off quote that I did not request. This was a predatory loan to begin with, and I am trying to resolve the XXXX that I have been feeling for several years.
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Company believes it acted appropriately as authorized by contract or law
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I 'm on my second modification request with Select portfolio servicing/XXXX XXXX Bank regarding my mortgage. I have submitted XXXX full applications for modification/resume mortgage over the last 2 years. XXXX was turned down for " not enough income '' and the other was approved but again the income calculations were drastically incorrect. Our request to modify or resume was so we could continue making my current XXXX per month payment or something close to that. This time they came back with an income calculation of over {$15000.00} per month. They offer to have me make and payments of over $ XXXX per month for the first 4 months followed by $ XXXX per month for the life of the loan. The income was again calculated incorrectly. The proof provided via tax returns, paycheck stubs and bank statements clearly shows a monthly gross income of between $ XXXX per month. Now, after waiting several months, actually a year for an answer thay have pulled the offer for review which will no doubt take several months. Meanwhile arrearages and fees add up and get added to my balance for mistakes they have made. My wife and I have lost several days from work providing paperwork to the mortgage company, appointments with a counselor at XXXX and court dates with more to come. I have answered every question, provided every document and fielded phone calls " attempting to collect a debt '' of which they will not accept payment on unless it 's full payment. I finally have a job where I make sufficient income to pay all of my bills and I see tremendous progress. I just want to pay my mortgage! Our family is under tremendous stress not knowing where we will be living and all we want to do is resume our mortgage payments and live in our home.
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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 refuses to allow me to dispute the information that is old and should be be removed
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Company believes it acted appropriately as authorized by contract or law
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TCF Processed debits before credits on my account and then charged an overdraft fee of {$37.00}. I specifically called TCF the very day the transactions were pending and they told me the credit from the deposit would process before the debit payments. In fact they did the opposite and the account was never overdrawn if credits were processed before debits.
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Company chooses not to provide a public response
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wells fargo bill me for atty services XXXX, XXXX this is the XXXX time they did this and do n't explain it. There a court date on XXXX XXXX, About a settlement for judgment, they need to explain things to me.
And they s/b be suing the XXXX who created this mess, thinking they could foreclose on pty that the bank owns, by not serving them.
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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 made a complaint already but their response was the complaint. I will try again to see if they can give me a corrected response and solution to this complaint. This is a perfect example of what is called steering. I applied for a request for help and was granted approval for a Hamp Tier 2 Principal Reduction Program that had 3 trial payments of {$2000.00}. By making the first payment on XXXX/XXXX/XXXX was confirmation of my acceptance to their offer. After the 3rd trial payment I would be sent permanent documents to complete this loan modification into a fixed 3.625 % loan and a principal reduction to the current market value as appraised to be $ XXXX contact person at XXXX was XXXX. I called him twice a week for any updates to the progress of getting my permanent documents. There was a deadline for this and XXXX told me I would be getting them by the end of the weekXX/XX/XXXX. I did not get them delivered by XXXX. I looked in my email, even though they have never sent any correspondence by email, and I see SLS has sent me a message. This was a bad news message and also a false statement of facts. I am shocked to read that SLS has denied my already approved Hamp Tier2 loan modification. Their only reason listed in this document is an embarrassment to say. They said I have withdrawn my request for help and they now have to deny my loan. I called them to tell them I did not do that. I would not put all this time and effort into getting this loan mod and turn around and opt out. They said it was a mistake. but they did not mean how they used my name as the reason to deny me getting the final documents. They meant that they made a mistake granting approval. That is a reason to lie about me putting a stop to my loan? Well SLS you cant make up false statements about your customers. Where does it say it is alright to give me the bad news and the blame all in the same sentence. I do not accept this to be a valid reason to deny the loan mod I have qualified for, obtained and completed trial payments on. Take a good look at what you have attempted to do and make the proper correction by sending me the permanent and final documents to sign for the Hamp Tier 2 PRP loan modification. I can go on about the steering me into a different loan that you say I applied for on XXXX/XXXX/XXXX. Which I did not do. Then you state that I am denied for all XXXX loan mod options in the letter datedXX/XX/XXXX That noted I had until XXXX/XXXX/XXXX to reapply for anything else. Sure enough my application was submitted ( not by me ) and on the XXXX/XXXX/XXXX morning XXXX hand delivers A package. This is what I was expecting a month ago. The problem is this is for the loan I did not apply for. These are final documents for the newly approved Standard Trial to Modification program The terms are not fixed. That is a XXXX step arm that is {$2700.00} a month and the total principal owed jumps up from $ XXXX to $ XXXX. This offer is much higher than the affordable HAMP TIER 2 they approved and said I backed out of. Would it make sense for me to back out of a helpful Hamp loan mod to reapply to get this one you sent me docs for?? I did not change my mind .I did not withdraw and I did not reapply for this other loan. Please make my Hamp mod permanent.
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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 details are in the attached letter that was sent to the bank.
I was pressured into giving up my car and buying a newer one a at XXXX XXXX XXXX, CA. This matter is with the banks- Firstly, the bank issued a loan that I had no ability to repay. My income was, and still is {$480.00} that I receive from the VA for my XXXX.
Second issue, the bank unilaterally changed the contract by altering the interest rate.
Third issue was a disaster when the vehicle was repossessed. They mis-handled funds, sent letters saying they would do one thing and then did another. The entire evolution was a XXXX show. Excuse the language.
Please see the attached letter I have sent to the bank. They did not respond to the letter, nor claim to have received it. I guess I ca n't prove that either way.
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Company believes it acted appropriately as authorized by contract or law
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Collector was informed that I can not receive phone calls at work. Continues to call my place of employment.
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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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My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, Illinois XXXX and I was approved for a modification in the amount of {$1600.00} per month that I could not afford now. I have a change of circumstance and has been approved to opt out for the reason of medical problems XXXX that I have been diagnosed by my medical doctor. I have been back and forth to the hospital everyday undergoing XXXX. My wife is no longer living with me and my only income is {$760.00} per month XXXX. I was informed by my relationship manager that my approval to opt out of the previous mod was approved. I contacted Bank of America relationship manager and was not able to speak with him. Spoke with another relationship manager and was told I was declined for the modification that I opt out of that was told to me I was approved to do and start another modification process and would take ten days. My loan was originated FHA that I was approved to opt out. When I contacted the office on XXXX XXXX a relationship manager said my contact was not available and told me I was going to loose my home if I did not short sale or pay the entire balance owed on the home. She did not assist me on applying for a new modification just very rude. Did not care that the lender was not going to get any money for mortgage payments at all. I informed her I was going to file a consumer complaint again the lender for failing to assist me in saving my home, She said go right ahead. I informed her that I have to go back to court on XXXX XXXX and she said at that time I would be put out of my home. I was told that it would take 10 days for my modification for Change in Circumstances to be review and I informed her my wife has walked out and left me as well. My only income will be to pay the mortgage. She did not care. Very Rude Lady. Please assist
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Company believes it acted appropriately as authorized by contract or law
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I received a collection letter from BYL Collection Service. It is for a gas company I do not owe money to. The name of the Gas Company is for XXXX XXXX XXXX. I am currently subscribed to the Said company but I am current with my account. The account number listed on the collection letter does not match to my gas account number. I have sent them a letter demanding proof for the time being.
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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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now I understand why the FCRA was made because these companies are full of abuse and only want to make money off of inaccurate information! I disputed twice with all XXXX bureaus and I had a few deletions but then they were reinserted on my file and I was never notified and they have to do it within 5 business days of reinsertion. Are they willing to sign an affidavit swearing under oath they sent me something? I get all of my mail and I received all the mail from them except for that. they did n't send me anything and by law they must remove it. not only that, but they did n't send me the procedure they used to verify these items and seeing my name on a screen does not qualify as verification. I asked for the documentation and they did n't provide it. they have a job to make certain that the information on my report is correct and not only that, they have to make sure that the info they receive from the creditors is correct and they did n't. I do n't know what this bankruyptcy is either and the only response is that it stays on my file 7-10 years. did I ask how long it stays on? No I did n't. I have already complained to the AG for my state and I will make a press release. they are treating me unfairly and are breaking the law!
transunion reinsertion : XXXX XXXX XXXX
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Company believes it acted appropriately as authorized by contract or law
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I paid of my mortgage to Ditech on XX/XX/2016. On XX/XX/2016 they debited my checking account for {$1500.00} for my regular payment. I called Ditech and demanded they return my money. After several calls they refused to return my money immediately and told me they would issue a refund in 30 days. If I had taken their money and held it hostage for 30 days I would be in jail. The took the money by ACH transfer because I had set up automatic payments but the account was paid in full by wire transfer and closed on XX/XX/2016.
I want my money returned immediately. But if not and there are no consequences for Ditech, I want to know if I can do the same thing and that nothing will be considered illegal or theft.
Thanks, XXXX XXXX
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Company believes it acted appropriately as authorized by contract or law
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Loan # XXXX Ditechh, Greentree Services To Whom it may concern ; The reason for filing this complaint is to report the incompetent and severe consequences I have encountered due to the actions ( lack thereof ) of Ditech & Greentree Services For the transition period XXXX XXXX, XXXX XXXX XXXX, XXXX is due to several components. The most significant impact and issues are primarily due to the following : XXXX, XXXX loan modification program started I set up monthly scheduled Direct banking payment to Greentree Services XXXX XXXX Greentree Services called asking for a payment " over the phone '', stated XXXX payment had not been received. Greentree Services told me to call the bank to " stop XXXX payment ''. I made a payment over the phone & paid {$30.00} fee to stop the issued payment. XXXX payment was received by Greentree Services in XXXX ( have bank documentation proof ) Greentree Services did not post until XXXX. I was told " do n't worryabout it '' Submitted XXXX payment on time. Greentree Services returned XXXX payment back to me, stated I was rejected from the program due to none payment in XXXX. Combined with NOT finding regular employment Low Sales of running a small business are the reasons for being behind on the mortgage payments.
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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 is mis reporting the date of last activity to Experian and XXXX for my old mortgage. The true date of last activity is XX/XX/XXXX however, on Experian and XXXX it is reporting XX/XX/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 fell behind on my mortgage XX/XX/2009. I spoke with my lender, Bank of America and they instructed me to send {$1400.00} overnight to prevent foreclosure, which I did. I was told that this would bring me up to date and that they would respond with the next steps to take. Two months later they sent the money back and told me that it was a miscommunication and that they were going to foreclose anyway. I made attempts over the next 3 years to work with Bank of America but they refused to take any payments stating they would only accept the full balance, or they would proceed with the foreclose.
Eventually I beat them back in court in the XXXX Judicial Circuit of Illinois and forced them to modify the loan. A {$2000.00} settlement payment followed from Bank of America to compensate me for the improper foreclosure effort.
As a result of the improper foreclosure Bank of America has placed over 38 late / missing payment notations on my credit report, even though they would not accept payments during that period. Additionally, it was agreed during the loan modification that Bank of America would remove the late / missed payment notations. It was agreed that I could n't have been late or missed payments that the lender refused to accept. They now have simply forgotten that part of the agreement.
I have attempted to speak with Bank of America regarding this complaint, but there is no one who is willing to address the modification, or even discuss the mis-reporting. This is having a huge affect on my credit score and my ability to refinance to get a lower interest rate. It has cost me thousands of dollars in high interest rates with other lenders as well.
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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 's Aadvantage XXXX announced late in 2015 that it was " waiving '' its foreign transaction fee. Thus I stayed with the Citi Aadvantage XXXX because they " waived '' their 3 % foreign exchange fee.
Yet now I have noticed that the exchange rate Citi uses for my card/account is about 94-95 % of the market exchange rate on the transaction date. I have compared such rates with those of my ( also no-foreign-transaction fee ) XXXX XXXX and XXXX XXXX cards and noted that their exchange rates are usually around 98-99 % of the market rate for the transaction date.
So in this way, Citi is still charging me a foreign transaction fee of sorts, they are just hiding it. I have referred this issue to Citi to no avail, and want the XXXX to please ACT on fining or better yet, convince Citi to change its conduct providing a more competitive exchange rate in lieu of " hiding '' their " waived '' foreign transaction fee in a poor exchange rate to their customers.
I ask you please help correct this issue or ikpose a penalty until the issuer does so Thank you.
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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TransUnion has reported misinformation concerning possibly auto loan and mortgage loan.
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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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These people called me continually back to back like 5 times, when they did n't get a answer they left a voice mail stating that I owed a debt & if I did n't pay it this would be sent to curt & the prices would double. After speaking with them & things sounding fishy ( the fact that some of the info he had was wrong ), I disconnected the call & did a little research which lead me here. The guy then called back twice & left another voice mail using a different name stating due to me refusing he was going to send this to the courts in my area. I called back & asked that they stop calling me to which they said some sarcastic remarke & hung up in my face. This morning my supervisor calls me to her desk & states she had like 3 voice mail messages from the same people & she stated that they left a little to much information on the voice mail. They have called me 3 times today & when I stated that I was filing a complaint & not to cal me any more the guy responded " good for you '' and hung up on me again
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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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My Ex Girl friend had trouble talking to Bank Of America I got on the phone to help her I 'm not a user on the Account.
I had an Account with Bank of America and they misappropriated funds that is how they got my information
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Company believes it acted appropriately as authorized by contract or law
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Amount of {$100.00} has been paid to " Collection SVC of Athens '' as of XXXX. Both parties agreed that this record will not show nor appear on any of XXXX credit bureaus and any credit reports hence making payment.
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Company believes it acted appropriately as authorized by contract or law
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The Stillman Law Office has been collecting for a XXXX XXXX XXXX credit card that had gone into collections. Stillman filed a Writ of Garnishment XXXX/XXXX/XXXX and I immediately filed an answer to stop this by applying for periodic payments XXXX/XXXX/XXXX. We went to court XXXX/XXXX/XXXX and we agreed on monthly payments. After the confirmation that the writ was canceled, my employer is still getting letters about the garnishment. It is very distressing and embarrassing that they are still trying to collect on a garnishment that is no longer in place.
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Company chooses not to provide a public response
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Experian keeps re-validating a charged off credit card debt since 2009 by allowing original creditor and the collectors it sold debt to renewing and changing the charged off date to be current instead of 2009. The debt is already past the statute of limitations and also the credit reporting time but credit bureau re validates it every year so it shows it just got charged off contrary to 2009.
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Company chooses not to provide a public response
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Over the long Holiday weekend my account fell below the balance needed. XXXX minus. So on Saturday XX/XX/XXXX I went to the bank and deposited XXXX into the account and brought it to about XXXX positive. It remained positive and was enough in the account to cover all small incoming. On Tuesday my account went to XXXX positive to minus XXXX of overdraft fees. I called Bank of America and asked for help in the matter. During the conversation the lady asked me where I lived and I said XXXX XXXX Ca. She replied Oh that 's the wealthy part of Ca. Which is untrue. I replied I 'm on XXXX for a XXXX like really? She declined to credit and charges cause the computer says so.
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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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Modification of loan granted in XXXX by Citimortgage then " unbooked '' by Citimortgage in XXXX XXXX due to their " internal issue. '' As a consequence, Citimortgage has reported nine months of delinquent payments and inaccurate balance of account to the XXXX credit bureaus dating the inaccurate data from before the modification was approved. I have documentation from the company assuring me that no negative reporting would occur. I submitted disputes to the bureaus but when updated, information from the mortgage company continues to reflect the inaccurate information with even greater delinquencies.
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Company believes it acted appropriately as authorized by contract or law
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Select Portfolio Servicing ( SPS ), Inc. recently employed XXXX XXXX XXXX XXXX XXXX ( a law firm ), to send via certified mail a " Notice of Acceleration of Loan Maturity '' letter dated XXXX XXXX, XXXX ( see attached ) to me. As required by Texas Property Code 51.002 ( d ) and the Deed of Trust, SPS is required to send a " Notice of Demand Payment '' and a " Notice of Intent to Accelerate '' in order to provide adequate time to cure the debt and notice me that failure to cure the default will result in acceleration of the entire debt and could lead to a foreclosure and, possibly, a deficiency judgment against me if the proceeds from the foreclosure sale do not fully extinguish the secured debt in accordance with common law requirements. SPS did not send me neither the " Notice of Demand Payment '' nor the " Notice of Intent to Accelerate '' as required by law and the Deed of Trust.
SPS purchased the servicing rights to my mortgage while it was in default. Therefore, they are deemed a debt collector and not an original creditor in accordance with the Fair Debt Collection Practices Act ( FDCPA ) 803 Definitions [ 15 USC 1692a ]. SPS ( or their agents ) has, despite written requests to " Cease and Desist '', continues to come onto my property and hang notices on my door ( see attached ).
Finally, both XXXX XXXX XXXX XXXX, XXXX and SPS are in violation of FDCPA 1692e and 1692g ( b ) in that neither the law firm nor mortgage servicer has properly verified the debt. I have sent numerous RESPA requests asking for an itemized accounting clearly explaining each charge from inception of the loan. The payment history and all transactions from inception of the loan to XXXX XXXX have never been produced by SPS nor the previous servicer. They produce a copy of the note and an incomplete accounting which is missing years of records, does not clearly explain each charge with a date and does not reconcile back to the amount owed. Therefore, I am not able to adequately dispute the amount of the debt due to insufficient itemized accounting records.
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Company disputes the facts presented in the complaint
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Hello, I would like to file a complaint against the Renton Collections Inc. XXXX XXXX XXXX XXXX XXXX WA. I have notified this agency multiple times both by phone and mail not to contact us regarding our debt with XXXX Hospital. Today they contacted my wife at her place of employment. When my wife spoke with them today they again refused he direction not to contact her at work. They refused provide any information regarding the debt. I called and spoke with XXXX XXXX who said she was a manager. I explained to her that I have notified them several times not to contact us as we are working with the medical group directly. She then became abusive and refused to provide me with her supervisors contact information. I indicated that they have again violated the FDCPA by contacting us.
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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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Never could receive my credit report from Experian who has the wrong birth date. I can not even see it because it says I am a XXXX.
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Company believes complaint is the result of an isolated error
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My property was included in a Chapter XXXX bankruptcy in XXXX XXXX and sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX. Shellpoint began 'servicing ' the loan on XXXX XXXX XXXX. They never contacted me to tell me they were now the servicer of the loan nor did they ever send me a bill. They then reported the loan 180 days delinquent to the credit agencies XXXX XXXX.
After being denied a credit card in XXXX XXXX, I checked my credit report and found 'Shellpoint Mortgage Servicing on it. I contacted them and they said they were not trying to collect on the debt, but that they simply " servicing the loan according to the original agreement '' and were " protecting the creditor 's rights ''. Therefore they would not remove the entry on my credit report.
My understanding is that a mortgage service company must make a 'good faith effort ' to contact the consume to avoid this type of situation.
I think the laws regarding companies buying bad debt years after its discharged in a bankruptcy need to be addressed. If it was n't allowed these things would probably not happen in the first place.
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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 put my settlement check in to bank of america and not once did they tell me my account was closing and they refusing to give me any response and have been giving the run around for three weeks with different lies. I been tryning to be patience but they are refusing to give me all my money and ca n't not give a reason for why its taking so long. Im still waiting for my money to this dayXXXX
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Company chooses not to provide a public response
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Again, I lived in XXXX from : XX/XX/XXXX, until XX/XX/XXXX. ALL XXXX-Credit Agencies are reporting my ADDRESSES from THAT TIME ... ( ALMOST 5-YEARS ), as me STILL LIVING IN XXXX! How can I live XXXX, & have an ADDRESS ( OF LIVING ), IN THE UNITED STATES? Please have ALL XXXX-Credit Agencies, take off any & all PREVIOUS ADDRESSES, from that period of time .... ( XX/XX/XXXX til XX/XX/XXXX ).
Also, make sure ALL XXXX-CREDIT AGENCIES take off ''AFNI COLLECTION AGENCY '' report of the FRAUD .... ( already filed a report or claim to your Agency : # XXXX ).
I PAID this XXXX XXXX XXXX Mobile Cell Phone '' off, via my ''B.B. & T. Bank '', XX/XX/XXXX ... .for : $ XXXX-Dollars. Despite me paying this off, ( even thou I did ''NOT '' owe it ). After I discovered I DID NOT OWE THIS BILL, I ASK MY BANK TO REFUND MY MONEY OF $ XXXX-Dollars ... which they are yet to do. I have filed a Dispute with ''B.B. & T. Bank '', for the above amount.
Even thou I paid this FRAUD OFF ... .. '' XXXX '' STILL IS REPORTING THIS ON XXXX '' & XXXX '', as still being on my Account, ( as PAID OR CLOSED ), BUT STILL LISTING THIS ''FRAUD '', on my XXXX-above Credit Agencies. I requested ' '' XXXX '' to take this FRAUD OFF OF ALL XXXX-CREDIT AGENCIES, & they XXXX '', has ''NOT '' done this, despite THEM telling me that they would.
PLEASE TELL ''B.B. & T. BANK '' ... ... TO REFUND MY XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BB & T CHECK CARD PURCHASE {$320.00}.
PLUS, TELL ''B.B. & T. BANK '' ... ... TO REFUND MY LATE FEE AS WHEN I DEPOSITED THE CHECK FROM : XXXX XXXX XXXX XXXX THEY ( WERE SUPPOSE TO DISCARD MY CHECK, AS I NOW HAVE XXXX VA '' ... .INSURANCE FOR MY WIFE & SON ... .. ( AS I 'M A XXXX VETERAN ). THEREFORE, I DO N'T NEED THIS XXXX.
SO HAVE ''B.B. & T. BANK '' TO RETURN THE {$320.00} ... ... ( AS XXXX '' LIED TO ME ), THEY TOLD ME I HAD TO PAY THIS OFF!!! & THEY WOULD TAKE IT OFF OF MY CREDIT REPORT ... ... AGAIN THEY LIED ... .TO DATE THEY HAVE NOT REMOVED THIS ITEM FROM MY CREDIT REPORT.
MAKE SURE ''B.B. & T. BANK '' ... ..ALSO RETURNS MY LATE FEE OF $ XXXX-DOLLARS WHICH THEY CHARGE ME AS WELL.
Thanks, XXXX ... ... ... OVERDRAFT FEEGet this notice fast. Sign up for free BB & T Alerts.
Printable VersionYour account had insufficient funds to pay XXXX item ( s ). BB & T paid the following item ( s ).
BB & T ONLINE BILL PAYMEXXXX $ XXXXTotal Item Amount : $ XXXXTOTAL OVERDRAFT FEE : {$36.00} {$36.00} - $ XXXXXX/XX/XXXX Check XXXX XXXX XXXX XXXX XXXX # XXXX View {$140.00}.
AT FIRST THEY ONLY GAVE ME CREDIT FOR $ XXXX-DOLLARS, DESPITE THEM KNOWING OR THEM TELLING ME, THAT JUST AS SOON AS I GET THE ' '' XXXX XXXX XXXX CHECK '' FOR {$140.00} ... ..*DEPOSIT THE CHECK ... .... ( BB & T. BANK ONLY GAVE ME CREDIT FOR $ XXXX-DOLLARS! ***MAKING ME OVERDRAWEN***
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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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In XXXX of XXXX, I received a letter from Citimortgage stating that the Making Home Affordable program announced an expansion of borrower " pay for performance '' incentives for eligible loans modified under the Home Affordable Modification Program ( HAMP ). Since I did have this type of loan, I assumed this program applied to me. It lists the criteria I must meet in order to be eligible to received a {$5000.00} incentive and the {$5000.00} incentive would be applied as a lump-sum principal balance reduction payment shortly after the 6th anniversary of my HAMP Trial Period Plan effective date. It also states " that the incentive will be shown on your monthly Mortgage Account Statement, and THERE IS NO ACTION REQUIRED FROM YOU '' to get this incentive. I waited for my anniversary date of XXXX/XXXX/XXXX for the incentive to be applied. On XXXX/XXXX/XXXX, when I still did not get the incentive, my wife phoned customer service to ask what had happened and was told that I was supposed to sign the recertification papers and send them back. WHAT RECERTIFICATION PAPERS? The only paper that I received was the letter dated XXXX XXXX, XXXX, that I 've enclosed for your review. AT NO TIME, did I receive any other papers to sign or else I definitely would have signed them and sent them in. I was just under the assumption of the instructions on the letter, NO ACTION REQUIRED FROM YOU. If the letter had said, unless you send in your recertification papers by a certain date, you will not be eligible to receive this incentive, I would have called and said that I never got any such papers. Now, according to the customer service rep that my wife talked to at Citimortgage, the time has passed to send in these papers and that because I missed the deadline, I will not be getting this incentive. I feel that this letter was misleading and lead me to believe there was nothing more I needed to do to get this incentive. I ca n't begin to tell you how completely devastated I am that I will not be getting the {$5000.00} incentive. I have paid my mortgage on time for over 6 years and I think it is terrible that they can do this to me. Whatever help you can give me in this matter would be extremely appreciated.
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Company believes it acted appropriately as authorized by contract or law
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In my recent attempt to buy a home with my partner we were trying to get pre-approved for a mortgage loan. Due to jumbo regulations here in XXXX you must have pristine 24 month payment history with all mortgage servicers. I had a single 30-60 delinquent mark with Select Portfolio Servicing. I had no history of being late with that payment since the loan modification after my startup failed and my home went under-water XX/XX/XXXX / XX/XX/XXXX. I had worked hard to rebuild my credit and was current on all other payments. I contacted SPS on XXXX XXXX and indicated through their voice prompts that I would like the conversation recorded. When the agent picked up I explained my situation outlined above and confusion as to why I had this late payment for XXXX primary reasons : * I always pre-paid 3 month payments consistently for many years with no issue * In an effort to more quickly pay down the loan I had decided to add additional payments starting in XXXX XXXX. I made that first additional payment to my former servicer Roundpoint mortgage. That payment should have been forwarded to the new servicer SPS but was not and was instead credited back to my account 30+ days later with no other notification.
also : In a 12 month period I had paid {$1800.00} vs. an expected {$340.00} required in the same period.
In short, I have never been late on this account since my primary modification which required I make no payments for a fixed amount in order to modify. In fact I had worked earnestly to pay it off much more quickly then requested. During the call the agent went to her supervisor several times and eventually came back and indicated that my request had been approved and she had been given the go ahead to submit the change request to the credit agencies. She then proceeded to process the form while I was on the line and submit them. In addition she was able to generate a copy of the request that was to be sent to my address. She indicated the process guaranteed removal of the deliquency mark within 60 days. I asked if there was any further action required on my part and she indicated everything was complete. On XXXX XXXX after having not received a copy letter I called back into the call center and this agent indicated there was no letter available and was unsure why I had been given a guarantee but could indicate no problem with my account. This completely contrasted with my initial conversation and guarantees. The agent then disconnected our conversation when I indicated my continued confusion. I also requested this conversation be recorded at the beginning.
Since I can not get pre-approved for a home in my desired location and school district I am now stuck. My mortgage brokers and bankers have told me until this mark is resolved I can not qualify for conventional loan products even though I have all the other qualifications. In an effort to have this inaccuracy removed I have now created disputes with all XXXX credit agencies XXXX, XXXX and XXXX. I have sent these via certified mail today XXXX/XXXX/XXXX with delivery receipt. I have included the following evidence with each request. a 12-month payment report from bank 's bill pay service showing frequency of {$100.00} advanced payments and additional payments starting in XX/XX/XXXX. detailed XX/XX/XXXX payment and return credit. SPS statement showing amount of payment, individual credit reports showing discrepancy. I also received postal mail on XXXX from SPS that their 30 day review period for this issue began on XXXX XXXX ( instead of the guaranteed removal given on first direct call ). I would like SPS to correct this discrepancy as soon as possible so I XXXX move forward with purchasing a new home.
Thank you for your assistance with this matter.
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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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their is company called XXXX that re reported me after the time limit has expired and after they deleted me experian has not helped in removing them even that i sent the prove which you will find in attachment
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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 are several numbers the debt collector calls from. I have talked to them repeatedly and have asked for more time to pay the debt and I have told them I will pay them. My problem is they call me every XXXX minutes all day. The numbers are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and that is all from today. That is six times already and they called 11 times yesterday. I asked that they stop calling so much, to call once a week. They are going to get me fired and then I will never be able to pay.
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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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BANK of America is reporting inaccurate information on my credit report. I requested information from them via a certified letter using the FCRA statue 623 on XXXX XXXX, 2015. They have ignored my request & continue to report accounts negatively on all XXXX credit reporting agencies. The credit reporting agencies say it 's my responsibility to provide them with all the proper documents but I was n't born yesterday. I know it 's the data furnishers responsibility to provide all the proper documents when requested by the consumer. I would like this information removed from my report immediately. I 'm including all correspondence I 've sent to the credit bureaus as well to get them to remove & they 've always passed the buck back to the data furnishers.
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Company believes it acted appropriately as authorized by contract or law
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XXXX Investment company has contacted me a work on at least XXXX occasions when I have repeatedly explained to them that I refuse to discuss my private business while clocked in and on my work phone that has recorded calls. Now when they call, I jus hang up since they do n't seem to understand words. They have also called my phone in upwards of XXXX times in 1 day, usually back to back they have also made just as many calls to family members and friends that I listed as references when I filled out the application for the car. Earlier today, I received an email from them to confirm that I authorized them to take money out of my bank account. This was a lie. I never spoke to them to make this agreement. There customer service agents are extremely rude and do not listen. The way they run their " business '' is disgusting and I will not be harassed for the remainder of time that I 'm making payments on this vehicle.
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Company believes the complaint is the result of a misunderstanding
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I have sent numerous letters to Hunter Warfield asking them to validate the debt. While I was still awaiting them to validate the debt, I received numerous calls from their office to my cell phone. Mind you, I have never had any business with them and have never given them my cell phone number or work number, let alone given them permission to call either of the XXXX. The problem I am having is misrepresentation on my credit report. For the last XXXX6 months, they have changed the original amount on my credit reports. How does the original amount change? This is inaccurate reporting and therefore they must remove this from my credit report. After disputing this several times with the credit bureaus, they continue to verify this information with XXXX but not with me.
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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 am new to USBANK and am very concerned with their unethical ways of charging overdrafts. I have had several instances where I will have a total of {$100.00} in my account and my total charges come to a total of {$110.00}, XXXX leaving me with a negative balance of - XXXX I accept blame for this but where their practices seem shady is where they will charge me {$36.00} overdraft fee for EACH item that comes through within that time frame .. instead of XXXX over draft of {$36.00},. they tell me they are charging me for EACH item they had to pay for in that time frame. Even though they already " pended '' out all current charges and subtracted them from my available balance so they could not be used and that XXXX transaction caused me to overdraft .. they charge me for MULTIPLE overdrafts. Now, i understand they had to pay the negative item transaction that came through which made a difference of negative {$10.00} that there was not sufficient funds in my account to cover it but to tell me they charged me {$36.00} for transactions that I clearly had money in there to cover all items besides XXXX is ludicrous. They then charge me an additional {$180.00} XXXX XXXX overdrafts at {$36.00} each ) causing me to become more in debt and then more overdraft fees. I already live in poverty and {$180.00} can go a VERY long way. I have talked and emailed a formal complaint to USBANK themselves with no help. I talked to a customer care rep today by the name of XXXX and she tried to explain the overdraft working of their bank. This did not help and left me more confused. XXXX instance is, my account statement clearly states I had {$23.00} in my account when a debit charge came through for {$8.00} leaving me with an available of XXXX I was charged {$36.00} overdraft fee leaving me with a negative balance of - {$20.00} which in turn caused a {$7.00} transaction to be hit with a {$36.00} overdraft fee. When does it end? I now know the reason why more people are using re loadable visa cards. Their online banking is also very confusing to which I think is on purpose to collect more overdrafts. They also told me the monthly statements do not reflect how the transactions are taken out of my account? How is this possible? and how is it possible for me to see what is going on with my OWN MONEY when they do whatever they want. Please help.
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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 currently have disputed an appt from XXXX XXXX that is on my account with a balance of {$950.00} that has been sent to collections that I did not open. I currently have been having XXXX service for over two years now and did not authorize this XXXX XXXX account to be open. I did contact XXXX XXXX to inform them that I did not open this account nor did I ever contact them to have this account opened. XXXX XXXX did inform me there was nothing they could do for me. I need this removed off my credit report due to I did not authorize for this account to be open under my information
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Company chooses not to provide a public response
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Ref : Bank of AmericaI have been working with a loan modification since 2010 bank of america and since then bank has damaged my credit ; I have a credit card with the bank never paid late bank has reported on my credit file I filed Bankruptcy never did. Lender has denied me to reopen my account after I settled loan modification and has discriminated me on my credit application or denied credit. I explained never had or claimed bankruptcy and bank america still showing it on my credit report and refused to deleted error inf.. Can not apply for any credit card and my credit has been damaged by the bank.
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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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Many times I did disputed an account that showed as an adverse account in my Transunion credit report. I sent by mail and uploading online legal documents to support my dispute but the credit report company results indicated that this information wo n't be deleted.
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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 terminated payroll service with Bank of America XXXX last year. This year they started changing my credit card again for the service which I am not using. I send them emails but they are unresponsive.
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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 a several months problem with payments for XXXX credit card in view I have made payments on time or before but Regions reject payments for regions technical problems, the situation is that I have just XXXX checking XXXX Bank account and just to pay on line monthly pressing checking account bottom but regions bank set up this account as a savings and change automatically the payments issue collecting from a savings account instead checking account. I have visited 4 times Regions bank branches but they refuse to fix this problem and I dont have another checking account. Now This negligence affect to my credit report for late payments and Regions'customer service don want to fix the problem.
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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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Ref : Car Ref This is the XXXX 4 times bank of America refused to give me credit ; I Had been trying to reestablished an account with Bank of America and it has keep denying me for either credit cards or bank loan.. I had apply with other loan and card companies and got approved .. I do not understand why bank of America is discriminating me since my property foreclose was canceled by the court. Bank of America is refusing or helping me to reestablished my credit that I already had. I hold other account with max credit of {$6000.00} in good standing and my credit score is XXXX approx. But i do not understand why bank of America is refusing to give credit. I feel discriminated by Bank of America. Please Help
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Company chooses not to provide a public response
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XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX You are in Violation of The FCRA You must supply to me the method of your investigation and VALIDATION not verify everything.
You must remove the Fraud alter from my credit profile!!!
You must remove the inquiry for XXXX from my credit report!!!!! I never applied to XXXX DO NOT OPEN A FRUAD ALERT!!!!
You must remove payment plan from XXXX there is no payment plain account is closed I request the method of verification, under the FCRA section 611 ( a ) ( 7 ).
Escalate his call to a supervisor do not use the e-Oscar. System You must update 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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Sears updated their website somewhere around last XXXX, 2015. I have ( XXXX ) credit cards with Sears, issues are with both the cards access to internet customer portal. Ever since then, I am not able to access my account online to pay my statement without having major issues which have resulted in payments not being posted, late charges incurred, etc ... Access to the website takes minutes to gain. Each time I try to click on an option for my account, that process also takes a very unusually long length of time. I am not able to access my rewards points from the website to redeem them, I have been trying to redeem them for the past 5 months. I have contacted Sears online support numerous times and spent a great deal of unnecessary time trying to get help for me to access my account to make payments and redeem rewards points. Each phone call I 've made, I was promised they would have someone from technical support trouble shoot and get back with me. I have not heard from anyone. I am extremely frustrated to say the least!! To date they have not fixed the problem.
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Company believes the complaint is the result of a misunderstanding
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My property management placed the judgment for a debt with a debt collector and reported the debt to XXXX. I have disputed the amount of the debt with XXXX who rejected my dispute.
The court judgment amount is for {$2900.00}, which I am willing to pay. However, the collection amount placed by property management is {$10000.00} which is not allowing me to seek financing to purchase a home and overall has fractured my credit.
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Company chooses not to provide a public response
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I have forwarded all required documentation to Wells Fargo Bank regarding a short sale and they have acknowledged receipt of the material. They indicate they are in receipt and blatantly stated that they will not rescind the foreclosure sale date of XX/XX/2016 even though we have a cash buyer who is ready to close escrow. I have been told that they have n't been able to complete their review of the properly submitted material. On numerous occasions they have asked me to re-submit documents that have been sent previously and acknowledge receiving. When I make phone calls and leave messages, it takes them several days to respond, even though it is clear that time is of the essence.
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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 mortgage with Bank of America and sold my home in 2010.
I signed closing papers, closed out the mortgage, transferred ownership of the property.
Bank of America today still has my mortgage reported as open, reporting past due balances in excess of XXXX, negatively impacting my credit.
I have attempted several contacts directly to BOA, always with the same response, someone will get back to me shortly. Several months later, no one has.
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Company chooses not to provide a public response
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I have been trying to get my annual free credit report from all the agency so that i can dispute whats on their and every time they keep telling me i have to pay to get a report from them.
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Company chooses not to provide a public response
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The criminal history section on my report is inaccurate.
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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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Disputed this XXXX account with both XXXX and Experian multiple times. Experian continues to verify. XXXX has agreed to delete this account and request removal from all 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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This is the second complaint I am entering for the same issue.
I have attempted to call and repeated left messages with no response.
XXXX XXXX CST left message, XXXX XXXX XXXX CST left message, XXXX XXXX CST left message, XXXX XXXX CST left message, XXXX XXXX CST left message.
I received one phone call on XXXX acknowledging my complaint, and have not heard back since.
My complaint is that I had a mortgage with Bank of America, the house has been sold, property transferred over 7 years ago. BOA still has my mortgage reported as open with a past due balance of over XXXX. This is negatively impacting my credit and prevents me from future home purchase and financing. I have tried to contact the bank prior to the complaint, but each time, someone at BOA will acknowledge that the facts I provided are correct and it is a mistake, and they will get back to me with a resolution. No one ever has.
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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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Victim 's debit card was used to fraudulently withdraw {$27000.00} from my Checking and Money Market accounts with SunTrust.
On XX/XX/XXXX, Victim filed an online report of fraud ( Claim XXXX ) with SunTrust 's Fraud Department On or about XX/XX/XXXX, Victim filed a report with XXXX Police ( Case # XXXX. Note : On page XXXX of said report, the alleged offender acknowledged his guilt.
On/about XX/XX/XXXX, Victim prepared and filed FTC complaint XXXX.
On/about XX/XX/XXXX, Victim filed a 2nd compliant with XXXX Police Department ( Case # XXXX ), XXXX Police Department, XXXX, GA XXXX, Phone : ( XXXX ) XXXX On XX/XX/XXXX, Victim filed a report with XXXX XXXX Police Department ( Case # XXXX, XXXX XXXX Police Department, XXXX, GA XXXX, Phone : ( XXXX ) XXXX On/about XX/XX/XXXX, Victim filed a FBI Internet Crime Complaint Center ( ICXXXX ) # XXXX
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