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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 submitted a complete mortgage modification application based on a material change in my financial circumstances and Wells Fargo Bank acknowledged receipt of my complete mortgage modification packet in XXXX XXXX, however since that time Wells Fargo Bank has not requested any additional documentation or sent out any decision.
Civil Code section 2923.6 precludes the recordation of a notice of default where the borrower has submitted a " complete '' application for a loan modification on the first deed of trust, while the application is pending, or until the lender gives the borrower a written decision regarding the borrower 's eligibility for the loan modification. This section only applies to a first deed of trust on the borrower 's principal residence. If violated, the statute allows for injunctive relief to postpone a trustee 's sale and allows for a private right of action for damages, including attorneys ' fees, to the prevailing borrower for a violation.
I have also never been contacted by a single point of contact and Wells Fargo Bank has not explored all foreclosure relief alternatives. Lender Compliance with Civil Code sections 2923.5 BEFORE notice of default can be filed, Civil Code section 2923.5 requires lender to contact borrower in default and " assess the borrower 's financial situation and explore options for the borrower to avoid foreclosure. '' Lender must attempt to make contact with " due diligence ''. The due diligence required is set forth in the statute. The CA. Homeowner Bill of Rights also provides that dual tracking protections can also protect homeowners who have been previously denied a modification, if the homeowner documents and submits a " material change in financial circumstances. '' I did submit a material change application with evidence of additional income and yet Wells Fargo has gone intentionally silent to preclude the ability to seek all foreclosure relief alternatives.
Additionally, I have received XXXX curb appraisals from Wells Fargo Bank, XXXX in the amount of {>= $1,000,000}, and XXXX in the amount of {>= $1,000,000}. On XXXX XXXX, XXXX Wells Fargo sent out a 30 day notice to pay my past due amounts owed, or they would seek foreclosure.
As a result I have been forced to accept a below appraised value offer on my primary residence in the amount of {>= $1,000,000}.
Wells Fargo knows that any sale of my home will make any alleged beneficiary whole and yet they choose to foreclosure over the alternative to provide me with the ability to preserve my equity, and still be able to provide the beneficiary with a XXXX repayment, including all alleged arrears.
I would like the CFPB to investigate this dual tracking issue, lack of due diligence issue, as I would like my SPOC to contact me to explore all foreclosure relief alternatives to avoid foreclosure, and be given more time to sell my home without being forced to seek State Law injunctive relief and Federal reorganization plans.
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Company chooses not to provide a public response
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I have a checking account with Regions Bank. I have an XXXX XXXX XXXX. I authorized XXXX XXXX to make automatic withdrawals from my checking to pay the amount due on my XXXX XXXX XXXX. At the end of XXXX, I ran short on funds and called XXXX XXXX to stop the automatic withdrawal. They said that it was too late, that I had to notify them more than 2 days before the date scheduled for the withdrawal. They said that I would have to call the bank and tell them to deny the payment. This was on a Friday afternoon. I called the bank and was told that they would honor it because I had an {$800.00} overdraft allowance. I asked them to remove that allowance which they did and to deny payment of the funds. However, on that Friday night they processed the request from XXXX XXXX and withdrew the money from my account even though I had no overdraft protection. The charge showed on my account as pending but the funds had been removed from the account leaving me with a negative balance and no access to funds. Upon seeing this on Monday morning, I called the bank and was told that they would not actually process this payment until Tues. night at which time the money would be returned to my account. They also said I would have to pay a {$36.00} charge for insufficient funds. So the bank had the use of my money for Sat., Sun., Mon. and Tues. and I paid {$36.00} for them to use my money and I had no money with which to buy food and gas. I got through that. However, now it is a week later and XXXX XXXX has run the charge through again and I am denied the use of my money while again the bank has the use of it for investing in the overnight market and once again I will pay {$36.00} for them to have the privilege of making money off of my money. How can the bank do this when I stopped the overdraft coverage? Also, if I were trying to spend money that was n't in my account, the bank would deny the charge immediately. Why, then, should n't they deny the XXXX XXXX charge immediately, especially the second time when I had notified them a week before not to honor that charge. In reality, the bank knew after midnight on Thursday that they had received the draft from XXXX XXXX. On Friday it showed as pending but not deducted from my account. Then Friday at midnight they deducted it with no intention of paying it to XXXX XXXX until Tues. at midnight. XXXX XXXX should be as mad as I am because, if I had had the money, then it would have been XXXX XXXX ' money that the bank was using for 4 days. In this age of computers and international markets, there is no excuse for this. But for me it was a much more serious threat. I am retired and on a fixed income and while the bank is using my money, I can not even buy food. Since I am single and like to eat fresh food, I do not buy large quantities of food at a time because it will go bad before I eat it. So for Sat., Sun., Mon. and Tues., I had very little food. Now I am in the same situation this week. I do keep some canned foods and snacks in case of a hurricane so that is what I did and will eat but for some there may be no food. I would like something done to stop the bank from denying me access to funds they have no intention of paying out ever, and, for that matter to stop denying me the use of funds that they are not going to pay for 4 days. As an aside, in the world we live in today, weekends should count as business days because world markets are open.
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Company chooses not to provide a public response
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Regions Bank rearranges the posting of items to checking accounts in order to collect higher overdraft fees. I had transactions from XXXX/XXXX/2015, XXXX/XXXX/2015 & XXXX/XXXX/2015 leaving a balance of a little over {$12.00} in my bank account. All those items should have moved from pending and been posted to my account, as they show they were on XXXX/XXXX/2015. A new transaction, dated XXXX/XXXX/2015 in the amount of a little over {$44.00} show as pending on my account. The bank then rearranged all the items, to pay out the XXXX item for {$44.00} and then paying several smaller items, therefore ; charging a total of {$140.00} in overdraft fees. Their explanation is that their practice is to pay out the largest items XXXX so that mortgages, rent payments, car payments do n't get turned down and then pay the small items. This makes no sense, as no matter what, I have the setting on my account that all items get paid regardless of funds, so nothing would be turned away. In addition, the smaller items were already moved from pending on the XXXX and the higher item came in on the XXXX ; therefore, they are putting this item before other items already posted to my account. Upon contacting them, they refuse to do anything. This practice is taking advantage of peoples misfortune and only benefits the bank by allowing them to rearrange items in order to allow them to charge several overdraft fees as opposed to only XXXX. My overdraft charge should be for XXXX item for {$36.00} instead, it 's {$140.00}.
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Company believes it acted appropriately as authorized by contract or law
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After applying for a job online, I received a cashier 's check on XXXX XXXX, 2015, for the amount of {$1900.00} with an offer via text for a job position as a XXXX. The stated reason this check was sent to me was to cover errands and complete some tasks as his personal assistant. Before cashing the check, me and my husband were suspicious, so we went to Navy Federal Credit Union to verify the check was real. I was helped by one of their representatives whom I asked " when the check would be clear '' the representative responded " Within a day. You should have it by tomorrow. '' They assured me the check would be cleared by the next day, meaning within XXXX hours.
Based on these assurances from Navy Federal, I followed further instructions from my supposed new employer to send XXXX wire transfers for {$800.00} and {$900.00} to XXXX, TX. A week later, Navy Federal removed the {$1900.00} and said that it actually takes up to 30 days for a check to clear. The check in fact did not clear after the funds had already been made available, and now my account is delinquent {$900.00}. Thankfully {$800.00} was held by XXXX XXXX and was able to be recovered. The manager repeatedly apologized saying they need to increase training of their staff to avoid this sort of " miscommunication. '' I hold Navy Federal as an accomplice to crediting a fake check under their stated position while still pursuing me for an illegitimate debt where the funds were and then were not available under my name. I have filed police reports and saved all documentation of the fraud committed upon me. Regardless, none of this would have happened had Navy Federal not misinformed me as to the status of the initial cashier 's check.
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Company chooses not to provide a public response
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I bought a house in XX/XX/XXXX. At the time my income was from XXXX insurance which would end the next year. Despite knowing I had insufficient income for the mortgage payments, Wachovia gave me a predatory loan at 6.5 % interest rate, much higher than other people. I could n't afford to keep paying the mortgage, so I moved in with family and rented the house out to pay for the mortgage. I always paid the mortgage on time, until the last tenants left the house in XXXX, without paying their last month 's rent, and leaving approximately {$10000.00} of damage. Thus, I could n't pay the mortgage without getting rent, as I used the last of my savings to make the repairs. This meant that my mortgage went into arrears. Within a few weeks of not making my mortgage payment, I contacted Wells Fargo, to inform them of my situation and to ask about a refinance or home modification. I explained that I did not have the documents available to me at that time, and that my priority was getting the house repaired and re-rented - and then I would have the income to resume my mortgage payments and to focus on a home modification. Since then, I have repeatedly asked Wells Fargo to provide me with an email address as an easy method of communication, given that I reside XXXX, and there is a huge time difference and cost for phone calls to Wells Fargo. They have repeatedly ignored my requests to facilitate the home modification application by providing me with email contact. I began receiving rent again and was in a position to resume the mortgage payment but I was not willing to resume payments if WF had already started the foreclosure process. At this time, they are communicating with me by snail mail to XXXX, which takes 2 weeks to reach me. Therefore, if they state in a letter that the foreclosure process has not been started, it is so out of date by the time it reaches me, that the foreclosure process may have been started in the weeks that the letter took to reach me. I have had letters from them ( one of which appeared to be a form letter ) that state that I was not interested in a home modification, yet I have repeatedly stated both verbally and in writing that I wish to pursue a home modification. If my predatory loan interest rate of 6.5 % had been a normal rate over the past 10 years, with what I have paid, I would have paid off at least half of the mortgage by now, and not facing this horrible situation. Also, according to the terms of the National Mortgage Settlement, Wells Fargo was required to reach out to borrowers who were up to date with their mortgage payments and offer modifications, but WF never did this.
One of the letters from XXXX XXXX at WF, was contradictory about appointing a single point of contact, at one point saying it was not possible, but later saying the person would be XXXX XXXX. I contacted her, but my call went to VM and I have not been called back.
Previously I had a condo mortgage with WF, and due to tenant damage, I again had problems paying the mortgage, but because WF owned that loan ( not merely servicing it ), they did provide a single point of contact, and she not only emailed me regularly, but also called me at my home in XXXX, and a suitable resolution was reached. WF sold my mortgage to " investors '' ( in a tranche of toxic mortgage assets ) and failed to inform me, under the requirements of the Truth in Lending Act. Now it seems that WF prefers to get the fees from a foreclosure than to assist me to keep my property. By refusing to provide me with a fast, efficient means of communicating, by email, they have cost me several additional, unnecessary late fees.
I want the late fees for the past 4 months reversed, and I want WF to provide me with the email address for XXXX XXXX and instruct her to assist me, via email, with a home modification. WF has acted in bad faith and this must stop.
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Company chooses not to provide a public response
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My account I had with Credit Acceptance was paid in full on XXXX 2010. It is currently being reported as " charged-off '' and a " collection '' account on my XXXX credit reports.
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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 disputed a lien with Transunion for the amount of XXXX the lien has been paid off and I received a lien release and forward it by fax to Transunion . Transunion updated the lien as paid but did n't erase it from my credit. I was told by XXXX who placed the lien it would be removed from my credit. I told Transunion the same thing and they still wont delete it.
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Company chooses not to provide a public response
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During a period between XX/XX/XXXX-XX/XX/XXXX I was required to visit the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. At the time I was without any form of insurance, and applied for and was approved for what was then termed " XXXX XXXX '' which was sponsored and paid directly by XXXX for uninsured, low-income patients. However, the application was apparently mishandled and the information never properly submitted, so I now have multiple negative credit items reflected on my credit reports ( for several visits, but all covered by the submitted XXXX application at the time ) Due to the manner in which billing is done at the medical center, these negative items are being reflected as different credit items from several departments, and none of them acknowledge or notate the approved XXXX XXXX assistance by XXXX. The items listed and in need of removal include the following : XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX REC $ XXXXMy credit score is at least XXXX points lower than it should otherwise be as a result of the failure/refusal of XXXX and the credit bureau 's to remove the items covered by my XXXX insurance.
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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 last few ( at least XXXX ) statements for my Bank of America credit card have not shown the balances subject to various promotional balance transfer offers that I have taken advantage of. I had this same problem in 2015, and the problem was corrected on a few statements. But now the error has returned. When this happened last year Bank of America took months to resolve the issue and did n't seem to care that they were sending out XXXX incorrect statements. The person assigned to handle my case often did not return calls and was basically useless. A perfect example of a " too big to fail '' bank that does n't care about their customers.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX.
I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX SETTLED XP/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XP/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} REV {$0.00} {$0.00} {$0.00} XXXX 1 PD WAS XXXX XP/XXXX/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} REV {$0.00} {$0.00} {$0.00} XXXX PAID CHGOFF XP/XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable.
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.
I look forward to an expedite resolution of this matter Thank you.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX
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Company believes it acted appropriately as authorized by contract or law
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Since I have n't had debt to anyone for over the last twenty or more years I 'm concerned about the frequent calls from Rushmore Service Center # XXXX in XXXX XXXX, SD, a third party collection agency that gives me at least four calls a week. I have no need to answer the phone from them, a quick look on XXXX tells me who they are. The calls from them have been going on for several months now and they need to stop. I suspect they have the wrong number and need to correct their file.
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Company believes it acted appropriately as authorized by contract or law
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I have called several times, I 'm trying to get a mortgage and XXXX of the credit companies show this debt as paid and XXXX does not. First lady I spoke to said she would have a letter sent out showing the debt paid. I waited a week and called back. The guy I talked to was so manipulative, trying to get me to say I did n't pay it. Then he told me he did n't know what the status was but he could n't collect the money so I repeated I do not owe you any money because you do n't have an account for me. He knows he 's being recorded so he would not say anything. Although at the beginning of the conversation he told me it shows its been paid off. All I wanted was a letter showing it was paid off, now I feel like they are going to do something and try to get more money from me. Completely unprofessional and predatory.
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Company believes it acted appropriately as authorized by contract or law
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Cap Mgmt Called friends ; told them this was my last day to pay and threatened my account would be " sent to the courts ''. I called Cap Mgmt. Told them I could not pay. I told the rep I was on the road and that I would call later. They kept pressuring me to set up a payment plan. Because I was in a dangerous position ( driving ) I agreed to a payment plan I can not execute. I provided them with banking info. This plan was obtained under duress by Cap Mgmt.
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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 2015 I applied for a Bloomingdale 's American Express Card and used it like 2-3 times. The last time I used it was for the purchase of a train ticket. However, that trip did n't happen so I got a partial refund of the ticket price, leaving around {$30.00} as a balance. Then I left U.S for 3 weeks and forgot about this balance since I did not use this card often ( only when I made a purchase at Bloomingdale 's ). After 4 months I got XXXX calls asking me to pay off and card balance and at that point it was $ XXXX including all late charges. And my card was closed because I missed all the payments. So I paid off the huge amount. However, another 3 months later I got XXXX calls asking me to pay additional $ XXXX late charges. It was just unacceptable! Why would they let me know earlier and why would there be additional charges after my card was closed! The worst thing is, after I negotiated with them ( they were just unfriendly and unhelpful ), I paid another {$42.00} and made sure that would the last payment I make -- it is still unreasonable to me but I 'm super busy, I do n't want to be haunted by them again, not to mention my credit history could be negatively impacted. I thought it was the end. But today, I saw another {$4.00} charge posted to that account -- I mean seriously? What are they trying to do to me!!! This is unbelievable and unacceptable!!! I disposed my card a long time ago because I thought the nightmare ended!!! I never ends!!! Bloomingdale 's American Express card is just HORRIBLE!!!!!!!!!
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Company chooses not to provide a public response
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I applied for a Macy 's store card in XXXX 2015. The card was mailed to my home address and before the card reached me, it was stolen and someone made fraudulent purchases worth XXXX of dollars on my account. I have been following up with Macy 's for the last 8 months, provided them information on the case filed, the investigator 's name and contact and the name of the person responsible for the identity theft and yet Macy 's has not taken any corrective action. Every time I call the customer service, I spend XXXX XXXX on hold only to hear their standard reply that the case is pending investigation and will take 60-90 days to resolve. Despite all of this, Macy 's went ahead and reported the transactions to the Credit bureaus and my credit history is ruined. I want the fraudulent charges to be taken off my credit report URGENTLY as I 'm applying for a new apartment lease on XXXX XXXX 2015. The leasing company is going to run a credit check before they approve my application.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I have been trying to work out a loan modification with US BANK since 2012, with relationship managers XXXX XXXX and now XXXX XXXX have talked to them once a month without success.Today, totally unannounced, I received a XXXX ( XXXX ) page lawsuit against me from a XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX, XXXXXXXXXXXX notifying me that I have 20 days after the service of this summons to make an appropriate written response in District Court, requiring compliance with Rule 10 ( a ) ( 1 ) and other Idaho Rules of Civil Procedure.I can not afford an expensive attorney to respond and in reading the complaint, it is really a legal fight between US BANK and XXXX XXXX XXXX and XXXX to decide who is in the first priority on my property which has been my home for the last 27 YEARS and who is the XXXX priority.I do n't care ; let them fight it out.Why am I involved? Why is XXXX, who handled my refinance and Deeds of Reconveyances not named? I have successfully worked out a modification with XXXX on my XXXX Deed of Trust and hoping to do the same with US BANK.
Thank you for your assistance, XXXX XXXX XXXX XXXXXXXXXXXX
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Company believes it acted appropriately as authorized by contract or law
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I discovered this just listed on my credit report within the past 30 days. I have received no notification, no mail, from Enhanced Recovery about this alleged debt. They simply out it on my credit report without notifying me of my legal rights.
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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 payment on my credit card was received by Bank of America 4 days after the due date, generating a late fee as well as interest. The interest charged to me was an overcharge. In the next month, another interest payment was assessed to me. This was incorrectly charged. Bank of America was unable to specify what that interest charge pertained to. With respect to that month, our bill was timely paid early and in full, plus a large overpayment. Our overpayment to Bank of America occurred because its bill was incorrect because it failed to credit our previous month 's payment, continuing to bill it as a charge still due. So we paid the previous month 's bill twice. Interest was then assessed, twice, on entirely wrong amounts, none of which were owed.
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Company chooses not to provide a public response
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On-line, I placed credit freeze at TRANSUNION on XXXX/XXXX/XXXX due to identity theft. Paid a {$10.00} fee using a credit card the police report would not be available for XXXX to 7 days after making the report. On phone, was told by a TRANSUNION representative to send the police report by FAX and request a refund of the {$10.00} fee. Faxed the police report and request for refund on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, a TRANSUNION representative stated that I would not get a refund because the police report was not submitted concurrent with the online transaction. The TRANSUNION website XXXX displays a table listing the XXXX provisions regarding credit freezes. Under XXXX victim, the entry is as follows : State Requirements Fee Information Add Lift Remove XXXX Identity Theft Victim Free** Free** Free** **In order to be eligible for free Security Freeze services, you may be required to provide proof of eligibility by mail. Click here for more information.
The 'click here '' leads to the following information : " If you believe you qualify for a free Security Freeze due to identity theft you must supply our office with a copy of a Law Enforcement report alleging identity theft that has been filed with your local law enforcement department or the XXXX.
If you believe you qualify for a free Security Freeze due to your age, please send us verification of your date of birth with your Security Freeze request. Acceptable forms of verification include XXXX of the following documents that show your date of birth : a birth certificate, driver 's license, state identification, or some other legal document indicating date of birth.
If you are a resident XXXX and have documentation XXXX from the court, a law enforcement agency, a licensed medical or mental healthcare provider, or social worker, please provide our office with a copy of the document to receive your security freeze free of charge. '' Mail : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX I explained to a TRANSUNION representative that XXXX refunded a {$10.00} fee the day after receiving a faxed police report. My understanding of XXXX law in this regard is that a refund is required. A TRANSUNION representative stated that if I had made the freeze request by phone, the TRANSUNION representative would have suggested a no-fee credit fraud alert until such time as I had a police report. Therefore, my {$10.00} fee would not be refunded.
I believe that TRANSUNION has engaged in deceptive practices in this matter.
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Company chooses not to provide a public response
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I lost my job on XX/XX/XXXX, 2015 which was my last paycheck on XXXX XXXX, 2015. From XXXX/XXXX/2015 to XXXX/XXXX/2015 Bank of America continue to charge late fees even though it was clear no money was coming into the account. This has not been the XXXX time, that I have endured hardship because of Bank of America overdraft protection which I did not approve. The account should have just denied the transaction as no funds available. In addition, Bank of America allows debtors to resubmit and present transaction over and over again adding to the negative balance. Bank of American branches has take the position there is nothing they can do about reversing the excessive fees. I had to make a change to our account changing our Social Security check to a debit card because Bank of American systems knows money will be deposited and the behavior. Thus verifying that this is being done intentionally to build us excessive late fees. On XX/XX/XXXX, 2015, I will go to Bank of America to resolve this issue but I decided to file my compliant because they will be unwilling to remove the excessive late fees.
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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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At the Bank of America Branch located at XXXX XXXX XXXX, XXXX, MO XXXX where I have my personal checking account. One day XXXX XXXX XXXX a Loan Officer of Bank of America suggested that we should look into changing our Merchant Accounts to process our credit card transactions at our XXXX. XXXX XXXX XXXX introduced to XXXX XXXX XXXX Assistant Vice President of Bank of Amerca and he was excited to know that we have XXXX and XXXX have credit card transactions done by different companies, XXXX and XXXX. XXXX XXXX XXXX has promised to us that if we transfer the XXXX accounts to Bank of America, he would give us a very good deal ; in that they would pay us {$500.00} if we are not saving money using Bank of America Merchant Services for our XXXX.
XXXX XXXX XXXX has promised us that : 1. Bank of America would insure that the credit card readers for XXXX were going to be in compliance, as of this writing of this letter, nothing has been done to the equipment to bring them up to compliance.
2. Bank of America will pay {$500.00} if they can not save us money. As of today, we see no lower fees from Bank of America compared to XXXX and XXXX XXXX XXXX XXXX.
3. XXXX XXXX XXXX has promised us that he would make sure that Bank of America pays our termination fees for both companies XXXX XXXX XXXX and XXXX XXXX XXXX to come over to Bank of America Merchant Services for XXXX accounts. XXXX charges us XXXX XXXX dollars ( {$300.00} ) termination fee and XXXX charges us XXXX dollars ( {$390.00} ) termination fee. As of this writing XXXX XXXX XXXX said that he has submitted request for Bank of America to pay us the termination fees XXXX times ( XXXX ) and as of this day writing this letter, we have not received any reimbursement for the termination fees from Bank of America.
We would like to settle this by having Bank of America pay us XXXX XXXX and XXXX dollars ( {$690.00} ) for the reimbursement of the termination fees from the other XXXX XXXX XXXX XXXX XXXX and 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, XXXX, I received a letter from Citibank. It stated that a debit return of {$23.00} had been " no posted '' on XXXX XXXX, XXXX. I had closed all accounts in XXXX, XXXX. The letter asked me to contact the customer service center and provide them with instructions regarding the credit. I have called twice, requesting that a check be mailed to me. Both times I was told that this could not be done and that I would have to go into a branch office to make the request. One of the reasons I closed the account was because they closed the branch office closest to me and could not drive to other locations. I do not understand why a check ca n't be mailed. I also do not understand why the credit was not refunded to me back in XXXX, and why it took 5 months for me to be notified. I have been having a running dispute with the company that issued the refund because I never received it, only to find out that the bank has been holding it for over 5 months, for no reason. I hope that Citibank will issue an apology and explanation to the company that originally issued the refund. I am extremely upset that they have held on to this refund for so long and now refuse to mail it back to me. What is the problem??? Are they going to pay interest on the amount? I do not understand why the refund ca n't be mailed since they obviously still have all of my information.
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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 has been an item placed on my credit report that has been improperly re-aged. I disputed this item with the CRA and they did not obtain documented validation from agency reporting said debt. The item in question was originally reported in XXXX and is now being reported with a open date of XXXX/XXXX/XXXX. CRA should have obtained documentation ( signed contract, payment history, etc ) to validate this debt but relied on verbal verification only. Item in question was reported by a XXXX, XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX for an XXXX XXXX XXXX XXXX account from XXXX. This originally appeared on all XXXX my credit reports in XXXX and was removed in late XXXX making this a improperly re-aged account.
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Company believes the complaint is the result of a misunderstanding
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I had a loan with Dyck O'neal Inc. that was created as part of a settlement after a short sale of my home in XXXX. I had this loan from XXXX until the autumn XXXX when I paid the loan off and closed the account. I was offered twice a year by Dyck O'neal a 15 to 20 % discount on the principal of the loan if I paid it off all at once instead of the installments. This past fall I had the money to pay off the remaining balance of about {$5000.00}. I took the offer of a 20 % discount and paid the loan off and closed the account. I learned today as I was checking my credit score in preparation for a new mortgage application that I was reported by Dyck O'neal to the credit agencies as having paid my loan off for less than the agreed upon amount. This is a negative report that has resulted in dropping my credit score over XXXX points from XXXX to XXXX. My XXXX score is XXXX, my XXXX score is XXXX and XXXX is XXXX. Dyck Oneal apparently does not report to XXXX. I called Dyck O'neal and they said they have no control over how they report to the credit agencies which I think is a lie. They also never once explained in any of the twice yearly teaser coupons offering a 15-20 % discount that it will be considered a negative on your credit. They never told me this in any conversation I had with them when I called to pay off the loan. They were all too happy to take my money. How can they say I paid the loan off for less than the agreed upon amount if they agreed to offer me a discount so I would pay it off sooner. I ca n't have paid a loan off without them agreeing to it correct? I feel this is extremely deceptive and also harmful to my financial condition because I will now have to pay a much higher interest rate on a 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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I made an attempt to use my Macy 's American Express Card in XXXX and was informed the transaction was declined. Called Macy 's regarding this matter and was informed my account was closed in XXXX XXXX, my XXXX Credit Report dated XXXX/XXXX/XXXX clearly states my account was not in a closed status until XXXX XXXX, I still was not notified by a letter or on my statement. I had called customer service and ask why I had a XXXX limit, I was informed I still was able to use my card and disregard the XXXX available credit line. I also called XX/XX/XXXX to inquire about my credit rating on my account and received a letter stating they could not change the 60 days past due, again never informed me the account was closed. I had some financial difficulties XX/XX/XXXX and worked with Macy 's credit to keep my accounts going, I was able to get back on track in XXXX XXXX. Why was n't I notified my account was closed and why they led me to believe my account was in good standing when I made payment arrangements to keep my account in good standing. Why was n't I notified my account was closed when I inquired XX/XX/XXXX and received a letter in the mail that the 60 days past due was going to remain on my credit, why was n't it stated account closed on my Macy 's American Express statements, why no indications when I make an an online payment, why does the automated system says I have {$440.00} available, why no letter?
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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 attempted several times to get my credit report from transunion. I sent in proper id and still am unable to receive my report from them. This is affecting me in obtaining credit.
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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/Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX Dear Sirs : I applied to XXXX/Synchrony Bank to purchase some furniture. It was 18 months interest free. The total amount was {$1900.00} dollars. I had made monthly payments on time and paid it down to {$1100.00} Dollars. I had XXXX and no longer could work the job that I had due to the XXXX I was in. Synchrony Bank started charging me an interest rate of 29.99 % and late fees. My balance is now {$2700.00}. I know of a person who has gone through the same thing and his balance is up to {$10000.00} dollars. I have tried to communicate with them to see if they would just let me pay back the original balance of {$1100.00} dollars and they will not hear of it. I feel there is no way I can not pay this back ever with the interest rate and late fees applied every month as high as it is. Please help me and other consumers. This so wrong to treat consumers this way.
Sincerely, XXXX XXXX
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I applied for a credit card with one of those hand written applications on a plane flight.
I never heard anything from the carrier or the credit card servicer. I figured that for some reason the application was denied. After several months I found that my credit score had dropped. I obtained a report. Apparently the credit card company ( Barclays of DE ) had opened a credit card and account in my name without my knowledge. When I contacted Barclays on XXXX the agent verified that the address and email address on my account were both wrong. Apparently XXXX gives Barclays these hand written applications and the people transcribing them to digital application often transcribe incorrect information. He also mentioned that the company had tried to contact me by mail only and all letters were returned. In spite of this Barclays still opened a credit card account in my name, knowing they would be unable to contact me about this account. Three months earlier the company had charged an annual fee to the card. The account was now closed by the company but a past due balance was still remaining that had since had a negative impact on my credit score. My score dropped XXXX points in a month and now I am having difficulty applying for housing in the new city I moved to. What 's more I feel like opening these kinds of accounts knowing that they are unable to contact the account holder is a major financial security risk. If someone had gotten ahold of this card I would have no way of knowing obviously but additionally Barclays would have no way of contacting me about the fraud.
When I contacted Barclays, all they could offer was a mailing address where I could send a paper letter. Apparently the account and situation would then be reviewed and it could take up to 30 days for the company to make a decision on whether they would contact the credit bureau. These are unfair, unsafe and predatory practices by a XXXX company on and American citizen.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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Macy 's New York accessed my credit report / file without my permission. During a recent deposition ( within last 6 months ) where I have challenged Macy 's for adding my name as a joint owner to my wife 's Macy 's closed credit account for collection purposes, I was provided with a screen shot of both my credit details and my wife 's credit details accessed by Macy 's on XXXX XXXX, 2003. I did gave Macy 's permission to access my credit details nor did I apply for a credit card with my wife. My wife visited the Macy 's Department store at the XXXX XXXX XXXX in XXXX, XXXX and requested an individual credit card. I was not with my wife at the time was working in XXXX at the time. Statements initially were only in my wife 's name but at a much later date, unknown to either of us, Macy 's added me to the account. This action has had a negative impact on my job search and I have sought legal action through the courts.
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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 filing this complaint against Experian because they are reporting information on a XXXX account # XXXX. They are reporting this account incorrectly and inaccurate they refuse to re dispute the account saying the creditor says they are reporting correctly the account. Experian is reporting the account as a business account when the account is being alleged by target as a personal. The first date of delinquency on the account on the letter directly from XXXX XXXX/XXXX/2009 which means the account is reporting past the FCRA allowed time. I need this account removed from my credit file immediately.
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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 Citicard DriversEdge card on which I had accumulated hundreds of dollars in credits for a new car. While living XXXX, they blocked my access to online payment. I tried to pay but they quickly cancelled the account and that gave them the opportunity to cancel my credits also. Since then, they turned it over to a collection agency. I made a deal with the agency to settle the account and sent them a check, which they cashed. They then apparently sold the account to another agency, which is bothering me for this money, and they did n't report the account as closed to the credit agencies.
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Company chooses not to provide a public response
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I received a bill for ANOTHER XXXX XXXX XXXX ... ....
I called the phone number provided, ( Collection Agnecy ), & spoke with XXXX XXXX XXXX ( Mgr. ), of XXXX XXXX XXXX, dated XX/XX/XXXX.
He told me that : ''I owed XXXX a Gas Bill ''. Then he ask me if my SSAN # was ending in XXXX. I told him ''NO ''! .... ( My SSAN ends in XXXX ). He then told me ''I was NOT the correct XXXX XXXX XXXX XXXX & he could not give me any additional info., with regard to this matter ''.
This SSAN # appears on my Credit Reports, of several Agencies. One Agency has me down for XXXXeach SSAN # 's. Also, all XXXX CREDIT AGENCIES, list me is having lived at : XXXX XXXX XXXX XXXX, in XXXX, XXXXVa., XXXX.
I HAVE NEVER LIVED AT THIS ADDRESS. I told ALL XXXX CREDIT AGENCIES that I NEVER LIVED AT XXXX XXXX XXXX, XXXX XXXX, XXXXVa .... ( but THEY ( CREDIT AGENCIES ), still report this as my PREVIOUS ADDRESS. Even thou I have NEVER LIVED THERE!
The XXXX XXXX XXXX XXXX BILL Account # is : XXXX, Amount owed by the OTHER XXXX XXXX XXXX, ( SSAN # ENDING IN XXXX XXXX, is {$820.00}.
XXXX This must be an old XXXX, as they offered the other XXXX, a discount to pay, this above XXXX, XXXX for : {$240.00} XXXX.
XXXX XXXX, ( Mgr. of XXXX XXXX XXXX. ), would not give me any additional info. with regard, to the above FRAUD, ( using my Credit Account ), as several Agencies have reported me as having XXXX SSAN # 's.
Please check with ALL XXXX CREDIT AGENCIES, & make sure ALL XXXXCredit Agencies, TAKE THE ABOVE STATEMENT OFF OF MY CREDIT REPORT. Also please make sure ALL XXXXCredit Agencies, REPORT MY CORRECT SSAN #. Which is : ***********. And ''NOT '' list any other SSAN # 's .... ( as I only have XXXX ).
Also, have ALL XXXXCredit Agencies, TAKE OFF THE INCORRECT ADDRESS OF : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXXVa., XXXX, OFF OF MY CREDIT REPORT, ( as I have ask them to do .... ( IN THE PAST, & they REFUSE to do & have ''NOT DONE '', as of yet.
Again, I lived in the XXXX from XX/XX/XXXX, until XX/XX/XXXX. ALL XXXXCredit Agencies are reporting my ADDRESSES from THAT TIME ... ( ALMOST 5-YEARS ), as me STILL LIVING IN THE USA! How can I live in the XXXX, & have an ADDRESS ( OF LIVING ), IN THE UNITED STATES? Please have ALL XXXXCredit Agencies, take off any & all PREVIOUS ADDRESSES, from that period of time .... ( XX/XX/XXXX til XX/XX/XXXX XXXX.
Also, make sure ALL XXXXCREDIT AGENCIES take off ''XXXX 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 XXXX off, via my XXXX XX/XX/XXXX ... .for : $ XXXXDollars. Despite me paying this off, ( even thou I did ''NOT '' owe it XXXX. After I discovered I DID NOT OWE THIS BILL, I ASK MY BANK TO REFUND MY MONEY OF $ XXXXDollars ... which they are yet to do. I have filed a Dispute with XXXX Bank '', for the above amount.
Even thou I paid this FRAUD OFF ... .. '' XXXX COLLECTION AGENCY '' STILL IS REPORTING THIS XXXX '', as still being on my Account, ( as PAID OR CLOSED ), BUT STILL LISTING THIS ''FRAUD '', on my XXXXabove Credit Agencies. I requested ' '' XXXX COLLECTON Agency '' to take this FRAUD OFF OF ALL XXXXCREDIT AGENCIES, & they ''XXXX COLLECTION AGENCY '', has ''NOT '' done this, despite THEM telling me that they would.
So I would like to file a REPORT on ... .. '' XXXX COLLECTION AGENCY '' ... ... for ''NOT '' doing what they PROMISED me that they would do, ... ..***IF I PAID THIS FRAUD OFF***, THEY LIED TO ME!
ALSO ... .I would like to file a REPORT OR CLAIM, with : XXXX
I ask them to tell me WHAT, THE ''LEIN '' was, & for what? They ask me to file ANOTHER FRAUD request. Despite me ASKING them to give me FROM WHOM & WHAT WAS THIS ABOUT? I do n't know what this is. They gave me a score of XXXX ... & I was DENIED to be added onto my wife 's Savings Account, for XXXX Bank '', last month.
Thanks, XXXX
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Company chooses not to provide a public response
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Since XX/XX/XXXX my father has had a business checking account with Regions Financial Corp, formally XXXX, in XXXX, AL. The account was in his name and my mothers name. In XX/XX/XXXX I bought the business and changed the name of the business so I went to Regions Bank and opened up another checking account in the new business name which has my name only. My name was also added to the XXXX account meaning that XXXX names are now on that account. When I went online to see my accounts, I could only see mine not the one with XXXX names on it. I went in my local branch and asked how can I see both accounts on the computer screen at the same time. The banker told me I had to put {$50.00} In another account for 180 days put that account in my daughters name, she 's XXXX, and I could see all XXXX accounts after that XXXX account in my daughters name was set up. I do n't understand why I had to setup this XXXX account but I did it anyway. A few months went by and one day I went online to " bill pay. '' I wanted to make a payment on my car so I logged on, saw all XXXX accounts and punched the tab " bill pay '' selected " XXXX '', entered the date and amount and hit send. A week later I get a notice in the mail that I had over-drafted the account and was charged {$36.00}. I went to my branch and they showed me that I had to select the account from a pull down tab instead the website defaulted to my daughters account which has {$50.00} in it and the other XXXX accounts had plenty of money to cover the charge. The banker refunded the money and I went on my way. I month later I did it again, then the banker said he could not refund my money but instead showed me how I could change the default setting making my account the default. ( The website should have notified me that I was about to overdraft and that I need to choose another account to pull from with more money. ) I never understood why I wad to have this account anyway now it has {$14.00} in it. This past week I checked on my accounts online and noticed that my daughters account has {$0.00} in instead of {$14.00}. I went online and checked recent activity and noticed that in XX/XX/XXXX and XX/XX/XXXX I was nailed for monthly charges of {$10.00} and the final {$4.00} making the {$0.00} balance. I opened this {$50.00} account in XX/XX/XXXX and not once had a monthly fee charged until XX/XX/XXXX. I went to my branch and asked them about the recent fees. The banker looked up my account and said that the account was changed from a student account to a small checking account that has a monthly fee. The banker was confused as she did n't understand how this happened and said Regions does n't even offer this type of account anymore. This was Friday XXXX. The banker said she would look it over and get back with me and I never heard from anybody until Wednesday XX/XX/XXXX. That banker said that he checked with " operations '' and they ca n't refund the money because that account has been closed and there was nothing they could do about refunding the money. On that day XX/XX/XXXX, I went in and closed the XXXX account with the XXXX names on it and am now waiting for the auto charges to go through to close my account. I know its not much money at all, but I feel that Regions stole my money.
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Company believes it acted appropriately as authorized by contract or law
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I work in collections and all of my calls are recorded. I have asked the creditor, several times, on a recorded line, NOT to contact my job. They said ok and continued to contact me at work, after I requested that they did not. They have been to my house and have left letters. The debt owed is less than {$400.00}. They call me back to back. Sometimes 3x in less than an hour. And they call, after a voicemail has already been left. These are all violations of the FDCPA.
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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 US Bank {$200.00} gift card bought XXXX/XXXX/16 and opened to use on XXXX/XXXX/16 but both cards had been fraudulently used prior on same day, XXXX/XXXX/16 at XXXX 's in store and Pajama-gram. Card numbers stolen and applied to new fraudulent cards and total amt drained off cards. I am now out {$400.00}
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I have been having an issue with JcPenney 's credit card service. I happen to work part time for the company & for me to get my full associate discount, I am told I need to use the card or cash. So like every-other financial product I use I track every payment on a excel spread sheet. Around XX/XX/XXXX I noticed that when I would make a payment online they were not applying it to my balance. I had a balance of around {$700.00} I went online on XXXX/XXXX/2015 & paid {$320.00} ... which it shows on the website. Then ten days later I went on again to pay it off ... .the {$320.00} payment had not been deducted ... there should have been a payment of {$290.00} remaining to pay it off. I made that payment online on XXXX/XXXX/2015 ... ten days after the first one & it was not deducted. Then to make matter worse they were either slowly deducting & not fully deducting payments so my balance no matter how much I pay is always just below {$800.00} higher than it should be & they are charging me 25 % interest on that balance. I have tried to call them, contacted them emailed them numerous times & they deny it ... ..I started making my payments in the store. Until this last email they admitted it, but are asking me to prove it. It is listed on their website as a payment I made ... .I have screen shots of my payments ... yet I have to prove it? The thing that kills me was when I called in XX/XX/XXXX they told me after getting very upset with them that my balance was really {$180.00} ... not the {$1000.00} something they were showing on my statement. I said then why is n't it showing that? So they must have a record of the payments I have made even though they are not showing me this in the final statement ... this has been going on so long & I have been charged a huge amount of interest during this. They keep telling me that it is all correct because I am spending but I spend then pay ... because that is how I get my associate discount. But here is the thing I have the right to pay & decide how much of their interest I want to pay by making big payments ... except they are n't being honest. Here is what they finally replied to me ... but if they know they did n't apply it why do I have to prove I made these payments?
" Our records show that the payment in question has not been credited to your account referenced above. To assist us in resolving this matter, we need documentation of the payment. Please review the list below and, depending upon how the payment was originally submitted to us, please send us the document ( s ) needed to complete our research.
- Mailed Payment Processed Electronically ( Only if the copy of the check is not available from your bank ) : Please send a copy of your bank statement or a letter from your bank stating the check cleared, the date the check cleared, whom it was made payable to, and the amount of the payment.
- Mailed Payment : A clear copy of the front & back of your cashed check or money order. Please note that the receipt stub or carbon copy for the money order will not assist in our research.
- In-Store Payment : A copy of your receipt. If a check or money order was used, a clear copy of the front and back of the cashed check or money order.
- Online/Electronic or Phone Payment : From the online provider, a copy of the transmittal report for the payment. Please note that a copy of the scheduled payment or a bank statement showing the online payment being withdrawn will not assist in our research.
Please mail this information to the following address and include a copy of this email : JC Penny card XXXX XXXX XXXX XXXX, FL XXXX or Fax : XXXX Upon receipt of the above outlined information, we will take the necessary steps to see the proper adjustment ( s ) is made to your account. If we do not receive your response within 20 days of the date of this letter, we will consider the balance to be correct. '' So what legal action can be taken?
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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There is a judgment against me from Citi Bank. This credit card did not belong to me. I never filled out an application for this card. I never had a credit card from this company with my name on it. I have contacted the collection agency for this account over 30 days ago and the collection agency states they still do not have a no response from Citi Bank. I contacted Citi Bank and they would give me absolutely no information and kept telling me to contact the collection agency again. Citi bank also told me over a week ago someone from their legal team would contact me. No one from Their legal department has contacted me. When I was married my ex husband had a Citi Bank card but I was never even an authorized user. I am not sure how his debt got put in my name. This judgement was placed on me without any notification. I was never served any court documents. This account dosent show on my credit report at all as being delinquent. Just out of no where a judgement was placed against 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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this account was previously removed and deleted from my trans-union credit report, only to be re-added recently, this is a violation of FTC rules XXXX XXXX XXXX XXXX, OH XXXX Account Name XXXX Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$0.00} Original Balance {$800.00} Limit $ XXXX Monthly Payment {$0.00} Last Payment Status Unknown Term 0 months Loan Type Charge account Opened XXXX/XXXX/XXXX Reported XXXX/XXXX/XXXX Remarks Chapter XXXX bankruptcy
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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 INQUIRIES SHOULD BE DELETD FROM CREDIT REPORT.
XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX & XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX XXXX of request XXXX/XXXX/XXXX Show more Account name XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX B Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX Date of request XXXX/XXXX/XXXX Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX
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Company believes the complaint is the result of a misunderstanding
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On XX/XX/XXXX I passed out due to a XXXX.My wife called the City of XXXX XXXX XXXX XXXX. I was taken to XXXX XXXX XXXX Hospital.Te XXXX charged my insurance, Medicare XXXX and XXXX XXXX XXXX, te amount of {$1400.00}. XXXX XXXX, my XXXX, paid {$1000.00}. For unexplained reasons Medicare denied payment for the remaining balance for which I was never billed till XXXX XXXX XXXX when I received a letter from Harris and Harris, a collection agency charging me {$500.00} for that service.On XXXX/XXXX/XXXX I contacted the City of XXXX XXXX ambulance services. They accepted that they had not billed me at the right address. A lady by the name XXXX assured that her office " would pull out '' the charges from Harris and Harris and would check the status of my account since my secondary had paid most of the charges and more than two ( 2 ) years had already passed.Nonetheless Harris and Harris kept on calling at different times of the day and evening, even on Sundays, demanding immediate payment of the " outstanding '' debt.On XXXX/XXXX/XXXX I called Harris and Harris and talked to a gentleman named XXXX who apologized for the inconvenience and assured me that Harris and Harris would withdraw the charges since his records showed the payment made by XXXX.According to him, XXXX had also made a payment on the account. Now on XXXX XXXX, XXXX I received a Delinquency Notification for the same amount {$540.00} on behalf of the City of XXXX XXXX Fire Dept-XXXX. I have called that agency and was told that there is no record of that debt since, apparently, more than three years have passed.
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Company believes it acted appropriately as authorized by contract or law
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XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) continued to automatically bill our XXXX XXXX XXXX XXXX card ending in XXXX, even though we had cancelled our contract. When the attempts to fraudulently debit funds were denied by our credit card, the charges went to collections ( Affiliated Acceptance Corporation, XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, ( XXXX ) XXXX ).
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Company disputes the facts presented in the complaint
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I left a voicemail message for an attorney. I received a call back from XXXX XXXX impersonating an attorney. I then asked for verification of the debt which he refused to do. He then agreed to send me some paperwork and then refused to accept the address I provided him. They have never sent me anything regarding notice of the right to dispute the debt. The information they provided to me over the phone about the debt was incorrect. I have told them numerous times that the amount of the debt is wrong and they still keep trying to collect on that amount instead of requesting proof from the original creditor.
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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 selling a truck on XXXX. A buyer emailed me to say he wanted the truck. I was selling the truck for {$1800.00}. He said he was going to send me a cashier 's check for {$3300.00} because he was in another state and he wanted me to send money to his car mover who would come with a trailer and pick up the truck. I took the cashiers check to my bank, Wells Fargo. I told the teller I was suspicious of the check and that I would like a manager to look at it and tell me whether it was legitimate. XXXX XXXX XXXX, the service manager of the branch, came out and looked at the check and said, " It looks good to me, I do n't see any telltale signs of it being fraudulent. '' She also said, " once the money posts to your account, the money is yours and you can spend it. '' She told me I could also send it off to someone to check it for validity, but I told her that if she said it was good I trusted her. She said it was. I deposited the check that day. XXXX XXXX then told me that, since this was a Friday, if the money posted to my account on Monday then go ahead and spend it. I waited the weekend and the money posted to my account. I sent {$1400.00} of the money to the address the buyer provided in New York.I first used my portion to buy food. I then began paying off debts. I bought some clothes, and put some gas in my car. The next day the buyer emailed me again saying that his uncle was sick and that he needed the rest of the money back and that I could keep the truck. At that point it seemed to me that it had to be a scam and I immediately called the bank. The bank told me that they had decided it was fraudulent and they had taken all of the money in my account to begin to pay off the fraudulent check. There was approximately {$700.00} of the truck money remaining in the account. They took that. On XXXX XXXX, 2016, my Social Security payment was direct deposited into the account and they took it. I went to Legal Aid and they called the bank. XXXX XXXX admitted to my attorney that she had told me all that I stated above. She did this both on the phone and in emails. She lied and said that she asked me whether I was supposed to send money somewhere. She never asked me that. I would never have used that check without XXXX XXXX 's approval. But for her telling me to go ahead this mess would never have happened. My attorney called the bank because they are still pursuing me for the rest of the money. I told the bank that I thought the right thing for them to do was to write off the loss and let me close the account. They have refused to do so. Wells Fargo preyed on me and now they are continuing to do so. This is not right.
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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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Hi, I have banked with BOA for eight years and living on XXXX XXXX dollars a month has been unbearable. To the contrary, I have no support and no credit with BOA. I deposited XXXX dollars into BOA and using Debit I 've received no rewards or approved by credit. My savings account was closed and other members on this account had access to every available funds of my personal money regardless of my primary ownership.
As an end result, discrepancies were added to my account causing me several overdraft fees. Please let me know when I can access credit or resolve debit usage!
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Company chooses not to provide a public response
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1 ) I uploaded a letter from XXXX XXXX XXXX XXXX/XXXX/15. The letter from ( XXXX XXXX XXXX ) reported my XXXX payment as a 30 day late. XXXX, Transunion have not corrected this information. I have never been late. 2 ) XXXX, XXXX XXXX XXXX XXXX, is reporting a {$8100.00} balance amount owed on Transunion, XXXX lien on my credit prior to reaching out and allowing me to discuss correct amount or work with rep to get to verify if it was even owed. This is not correct either.
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Company chooses not to provide a public response
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On XXXX XXXX, 2016 I went online to pull my free annual credit reports from all XXXX agencies. I went first to Experian. There was an ad for a " free FICO score for {$1.00} '' which I was going to request but when I read their disclaimer that their {$1.00} " free '' FICO score IS NOT used by lenders I decided not to.
The Experian website is difficult to use and very confusing unless you want to give Experian your hard-earned money. Printing out a readable copy of my " free '' Experian credit report was confusing and difficult. I use computer ALL the time and prepare tax returns for a living so if I say it 's confusing, IT 'S CONFUSING! I exited the site then and there realizing that their website is not REALLY designed to help you find your free credit report. I then made my way to 'annualcreditreport.com '. I was eventually able to print all XXXX credit reports on XX/XX/XXXX ONLY. Experian charged me {$21.00} for a " free credit report ''. .Experian debited my bank account for {$21.00} on XXXX XXXX, 2016 ( 10 days later )!!!. I ordered nothing from them. I tried to contact Experian about this but they have no customer service number and no information about their overcharging customers. I only have XXXX credit report from Experian dated XXXX XXXX, 2016 that should be free. I did not order anything from Experian to my knowledge nor did I receive any receipt or communication from Experian stating that I had done so. I would like a refund immediately of the {$21.00} Experian took from my bank account without my knowledge or consent.
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Company disputes the facts presented in the complaint
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This is a bill the I owe my 1st year of college, I rented an apartment off campus and when school was over I had 3 months left to complete my lease the amount of rent was {$320.00} a month but I was giving a settlement of {$1600.00} for XXXX XXXX from the National Credit System , Inc. I am trying to get this bill paid off but every times I talk to XXXX XXXX she is extremely rude and nasty when I ask her how come my settlement is so much, XXXX XXXX has forfeit the settlement of {$1600.00} only because I asked her for a detail bill for everything I was being charged on my credit report, That is my right to ask a collection representative what I am being charged for especially if they are collecting {$2000.00} with {$1000.00} being in late charges. This collection representative is abusing her position and not giving me a settlement now just because I asked for a detail bill this is against the law when I am trying to settle this bill, XXXX XXXX XXXX of National Credit System continues to abuse her authority just because i do n't know who else to turn to and to get this matter resolved.
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Company chooses not to provide a public response
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I have been trying to get my free credit report from them and each time they telling me i have to pay to get the report.
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Company disputes the facts presented in the complaint
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NC Financial Solutions of Utah, LLC d/b/a NetCredit ( hereafter " NetCredit '' ) is loaning money to consumers in XXXX and charging an annual interest rate of 150 percent. XXXX. Code Ann sec 6.2-1501 ( A ) requires consumer finance companies charging a rate of interest in excess of 12 percent to first obtain a license from the XXXX State Corporation Commission . NetCredit is not licensed as a consumer finance company by the XXXX SCC.
When questioned about the above, NetCredit claims that their XXXX license authorizes it to make loans to XXXX residents. ( 1 ) Utah does not even license this kind of business. Businesses are merely required to give notice if they are conducting this kind of business in XXXX. ( 2 ) NetCredit is a XXXX, LLC with its offices in XXXX and, as near as I can tell, no physical locations in Utah ; and ( 3 ) XXXX absolutely has the right to statutorily regulate loans made to its residents.
XXXX Code Ann Sec . 6.2-1541 provides that loans made in violation off sec. 6.2-1501 are void and NetCredit is obligated to return all principal, interest and fees paid by 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 informed them i will make payments on the matter but they keep calling 5 to 6 times a day
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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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Paid over {$20000.00} for a {$5000.00} loan.I wish to add that since taking out this loan, I have moved from XXXX XXXX XXXX, XXXX, Ky XXXX. I was harrassed endlessly regarding this loan and was insulted on the phone by a collector.
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Company chooses not to provide a public response
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We have XXXX auto loans with Ally fin. XXXX is perfect XXXX is total disaster. We bought XX/XX/XXXX and paid auto pay on both every month in XX/XX/XXXX loan XXXX 's auto payment was cancelled by Ally by mistake they never contacted me ( loan XXXX still perfect ) I got a letter saying we owed 2 months + late fees I paid over the phone one payment and was told I could resume auto pay once acct was current. I have continued to pay each month sometimes early and every month Ally says we are one payment behind because they apply my payment to the previous month and report it the the credit bureaus as missed payment ( not late but missed ) they have done this 8 times and now have ruined our credit. My husband and I have both tried numerous times to explain this and writing letters emails calling etc to fix this to no avail. My husband works for XXXX and they use Ally for most loans there and we have had such a devestating experience with them he has informed his bosses as to the trouble this has caused. I have all documentation supporting my payments and every month they do it again and again. I am unable to refinance my home because of them. I am considering getting an lawyer but do n't know where to go. My husband even offered to give them an additional payment if they fix our credit but we do n't trust them. If we pay them more how do we know they will really fix our credit score with regards to them. My husband is so upset that he has even considered telling them to just take the care back. Why would we do that though because we have made all of these payments. It does not make sense. We have XXXX car loans with them how can XXXX be perfect and XXXX be totally messed up? It is so frustrating and has really effected our life as we have XXXX kids and do n't make a lot of money and our only hope was to refinance our home as we have never been late in a payment and have good equity but our credit is low mostly because of Ally. Every time I call to speak with someone I am just treated like an XXXX and they just talk in circles and read from some script telling me how they understand and they are sorry and blah blah blah ... Oh and by the way when can we get that payment you owe? ughhhhhh!!!! I HATE ALLY!!!!!
Please please help us.
Thank you XXXX and XXXX XXXX
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Company believes it acted appropriately as authorized by contract or law
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I have several complaints, I sent a debt Verification Request and a written cease of communication notice ( limited to mail only ) to The Bureaus Inc. on XXXX XXXX, 2016. As of today they have not responded to my request in writing however, they hired a second collection agency called XXXX XXXX , XXXX. When I was contacted by XXXX XXXX XXXX on XXXX XXXX, 2016 they claimed to represent XXXX XXXX and were trying to collect a debt on their behalf. My husband and I informed them I was n't aware XXXX XXXX XXXX on our credit report and was transfered to a supervisor. The supervisor then informed us that XXXX XXXX XXXX XXXX. is trying collect for XXXX XXXX. We informed him that the only XXXX XXXX collection that we aware of is the one owned by The Bureaus Inc. and informed them that we sent them a request for Validation and written cease of telephone communications. We asked if The Bureaus Inc. sold the debt to XXXX XXXX and he informed me that they work on " behalf '' of The Bureaus Inc. and that they are their clients. We then asked why they were stating they were working on behalf of the Original Creditor XXXX XXXX because both he and the original caller stated they were calling on behalf of XXXX XXXX. The Bureaus is using another collection agency to collect a debt on their behalf, even though this agency is claiming to work for the XXXX XXXX. The Bureaus Inc. was given a request for Validation and a written cease of communication and are using another agency to communicate illegally.
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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 is engaging is Mortgage Service Abuse, Dealing in Bad Faith with deceptive and misleading practices by denying XXXX a loan modification for which they qualify for and not serving in the best interest of their Loan Investor and denying the Homeowner a fair opportunity to keep their 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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HELLO this is the second time i contact cfpb about a collection company attempting to collect on this account that i do not owe for XXXX XXXX XXXX XXXX this company like the one before reported me without notice and without allowing me my right under fair credit never heard of them and now they are reporting me this is a continued harassment by XXXX and its collection companys I AM THEREFORE SUBMITTING THE DISPUTE LETTER THRU CFPB SINCE I NEVER HEARD OF THIS COMPANY
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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According to TransUnion the have in Public Records under docket # XXXX stating I file a chapter XXXX in XX/XX/2009. I did not and I am faxing over my police report as proof that my identity was used without my permission.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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My husband and I filed for bankruptcy in XX/XX/XXXX to avoid a lawsuit by XXXX XXXX XXXX, our mortgage servicer. After the independent foreclosure review findings in XX/XX/XXXX of fraud and wrongdoing of many banks, we received a {$3000.00} payment, but were still paying on our bankruptcy. We successfully completed our bankruptcy in XXXX of XXXX, but are now facing credit issues because of the bankruptcy. We would never have filed bankruptcy if XXXX XXXX XXXX, who bought our mortgage from XXXX, had worked with us on repayment, as XXXX had done. My husband and I would like our bankruptcy removed from our credit reports, as it was obtained under duress and under false pretenses. We need help with how to dispute this on our credit report.
Thank you, XXXX and XXXX XXXX XXXX XXXX, NC
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Company believes it acted appropriately as authorized by contract or law
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This account has been illegally reaged. I first found out about it when I attempted to lease an apartment and was declined. Most complexes go back about 2 years however, this particular company shows up as being recent XXXX XXXX. I have not lived at that apartment in almost 2 years and I first started receiving calls about the debt XXXX XXXX. So now every time my credit is checked I.Q. Data comes up as being recent and it is not recent.
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Company chooses not to provide a public response
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Continental Finance -- Verve credit card Since opening the account in XXXX 2014, Continental has regularly charged late fees to my account and reported my account as late to the credit bureaus when that has not happened. Initially, issues began when the card had to be re-issued because the card had not been received. Although, I had not received the card, Continental began charging me fees on the account. Late fees on a card that I did not have!
Since that time, I have been charged a late fee each month. This account is setup on bill pay through my financial institution. I have this account setup so that payments are received by Continental at least 2 days prior to the due date and I always pay more than the minimum amount due. My financial institution has confirmed that payments have arrived as requested each month. I have noticed that it takes Continental approximately 6 days to process my payment. According to Continental, because they have not " processed '' the payment on or before the due date -- regardless of when they receive the payment, they consider the payments to be late and as a result, they are entitled to a late fee and can -- and do -- report my payments as being " late '' although the payment was received by Continental at the address as indicated on my monthly statements BEFORE the actual due date.
I have never heard of a company considering a payment as being late when the payment was received in their offices BEFORE the due date because it takes them so long so process the order and do not feel I should be regularly penalized for internal payment processing issues at Continental.
Continental also charges interest on late fees ... late fees that they refuse to refund. My balance due on this account is a result of late fees and not actual purchases.
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Company chooses not to provide a public response
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This company said they would delete on numerous calls from numerous phone numbers but did n't, and they seem to be the type of company who does n't honor their own word since they did not take responsibility and delete as they said they would ( go figure ). Even with them not honoring their word, their are not reporting correctly. The balance for this account still shows {$310.00} dollars and as an active collection account on my credit profile. That was the balance when I made my settlement payment, and if we 're going to talk about accurate balances, it should show, in the least, a {$150.00} balance. With that said, it should reflect as a paid settlement with a XXXX balance. This is with XXXX XXXX XXXX and XXXX XXXX. I wrote a much longer complaint but my web page was somehow redirected to the previous page right before hitting the submit button. I blame it on my unsteady fingers, but I took the time to write another smaller complaint because this is not fair to me as a consumer.
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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 credit card charged an annual fee and reported me 30 days late on the bureau they never notified me in writing or otherwise. The account had a XXXX balance. I never been late with them. My credit report was affected over a fee they charge and never notified me. Is this legal can the y affect my credit over a fee they charge.
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Company believes it acted appropriately as authorized by contract or law
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I received a letter from AARGON Collection Agency attempting to collect {$1300.00} for services provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No bill or statement was attached to this collection agency 's notification. I have not been in XXXX, XXXX in 25 years and have not used any services by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ever. I did a search on this collection agency online and through the XXXX and there seems to be many other collection complaints about AARGON Collection Agency in XXXX XXXX, XXXX. ( AARGON Collection Agency, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) This debt is not mine.
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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 Bank is reporting an account that does not belong to me on my credit report. I initially contacted the credit bureaus believing that it should be easy to clear up. Incredibly, XXXX did not correct the error, so I called XXXX and spoke to XXXX in Security. Naturally when they asked for my social security number and contact information, it did not match what they have for the account. When they provided the last XXXX digits of a phone number, it sounded like my parents phone number, and it appeared that the account belongs to my father. Certainly, that should have been tne end of my problem, but instead, XXXX left the account on my credit report. It is stunning to me that the credit bureaus and credit providers operated without any regard for accuracy or the people that they impact.
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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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Reference your complaint number XXXX. In reguards of this reference number, Bank of America ( XXXX ) Account, Bank of America Credit Card Account, Bank of America Home Loan, Bank of America Merchant Account, Regions ( XXXX ) Account, XXXX XXXX Account, XXXX Account, XXXX XXXX Account. This Accounts are in My Name The banks try to compromise my bank accounts along with my credit card accounts. My payments for all my accounts are paid promptly. Documentation for I my accounts have been approved and verified. Documentation provided physical address and contact information for Deposits in my XXXX Accounts. I have all credential and creditation for all my Accounts. I have made payments for all my Accounts, I have a hold on my accounts, try to compromise my account.The payments Deposit a hold was placed on the account. Some payments were reversed.I have proof of payments, and contact verification, physical address.
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Company chooses not to provide a public response
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Debt was paid in full on XXXX/XXXX/16 ( see attached e-check receipts ) however it continues to be reported as an unpaid collection debt to the credit reporting agencies.
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Company chooses not to provide a public response
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There is a negative mark against me that should have been taken off years ago!
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Company chooses not to provide a public response
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I have a checking account with Nevada State Bank in XXXX, Nv. I stopped using this account because I thought the bank 's service was very poor. I did not realize that I still had an auto pay for my insurance. By the time I found out that I was overdrawn I had over {$260.00} in fees and there was no payment made to my insurance company. A basic charge for XXXX overdrafts and a daily fee which would have continued had my insurance co. not contacted me. I was never contacted by my bank and was told this was only a courtesy and they did not have to contact me. No call no letter, nothing.
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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 husband, XXXX-years-old needed XXXX replaced, since previous XXXX were misplaced at hospital he was in prior to XXXX visit. He did not have insurance coverage for XXXX work, so he applied for CareCredit and received {$800.00} credit toward dental work. On XX/XX/XXXX an appt. was made with XXXX, XXXX, XXXX. We handed them the approval for the {$800.00} credit approval toward XXXX work to be done. The manager at that time, stated that they can have CareCredit increase the amount to cover more of the work to be done. She called and it was denied. The cost would be {$2000.00} - {$800.00} = {$1200.00} which we used our personal credit cards to pay out of pocket {$500.00} from each credit card. This was the 1st visit and only XXXX was taken to send to XXXX. On XX/XX/XXXX my husband was admitted to XXXX from XXXX since XX/XX/XXXX, and could not make the next scheduled appt. on XX/XX/XXXX. I am receiving billings from Synchrony Financial, and XXXX XXXX XXXX, XXXX regarding the balance of {$800.00} for CareCredit. The card arrived, but was never activated by my now deceased husband. According to when I informed Synchrony Bank nd XXXX of my husband 's death, they informed me that this is not the family responsibility but yet they are still sending me statements and letters and it has been placed with collection agency which is XXXX, XXXX XXXX, XXXX in which now they are sending bill in my name.
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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 account was charged a levy fee but I do n't owe anyone money. I only receive {$310.00} each month to live. This fee and overdraft fees along with extended overdraft fees have caused severe hardship.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I was charged interest on my Visa credit card by the Bank of America on money I had already paid them back.
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Company chooses not to provide a public response
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I 'm confused. A cryptic notice was left at my door by XXXX ( see attachment ). There was no explanation as to who XXXX is, and even if there was, this is no way to get me to call them. If I did n't look up the phone number, I would n't even know it was related SPS. It appears they are XXXX XXXX XXXX XXXX XXXX that handles valuation and inspection products for SPS.
SPS was advised I would be open to a cash for keys offer in lieu of filing a lawsuit for a XXXX/XXXX and other actions, yet there has been no response to that offer that was made in XXXX, with several follow ups in XXXX. It is now XXXX and all they have done is to send notices that they have forwarded the correspondence to the appropriate department.
Instead, they just have someone leave a notice on my door with no explanation as to what it is regarding and without advising that XXXX would be contacting me on their behalf. If they really wanted me to call, you would think SPS would advise in advance ( and in writing ) what this is regarding. After dealing with the prior sub-servicer, XXXX, I am no longer willing to " speak '' with anyone. I 've already advised SPS that all communication would need to be in writing and that there would be no " verbal '' correspondence, so posting a notice for me to CALL, especially without any explanation, is unacceptable.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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XXXX XXXX, 2016 I made a payment to my credit card online. The balance amount was XXXX. My payment was {$100.00}. I checked my account on XXXX/XXXX/2016 to find the account overdrawn {$10000.00}. Bank of America debit my account for {$10000.00}.
I called B of A customer service, was told they would submit the claim but it would take 2 to 5 business days. I asked to talk to a supervisor, he repeated the same words. Evidently it is a script they read from. XX/XX/2016 was a Thursday. Today Thursday XXXX XXXX, 2016, B of A still has my money. How can I get my money returned? Thank you for your help. XXXX XXXX
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Company believes complaint caused principally by actions of third party outside the control or direction of the company
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I went to XXXX for my education, and the cost was so high that when a federal loan would n't cover the cost XXXX used a company by the name of PEAK Loan which runs a 13 % interest rate.
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Company believes it acted appropriately as authorized by contract or law
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Have received Sallie Mae biilling notice, acct # XXXX, but not sure that all XXXX loans are in my name or son 's name. The bill is not clear, there is no date that the loan was taken out, for what person and what schoo. XXXX of the loans I am wondering if it was even mine ( ours ). The other concern is the high rates 10.375 %!!! I am a little surprised at the high rate -- they should be fairly low ( lower ) due to the low interest rate as well. First Salle Mae 's billing summary stinks and is not clear ( I should easily have access to my account to clearify what ( school ), when and to whom the loans are for because there maybe an error. Secondly I would like to consolidate or at least get lower rates, Sallie Mae does not provide that information as well. Concerend there is an error in my loan. Sincerely, XXXX XXXX
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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Re : REQUEST FOR RE-INVESTIGATION XXXX Dispute - / FEDERAL CONSUMER LEASING ACT VIOLATION/ FAIR CREDIT REPORTING ACT VIOLATION/ FAIR CREDIT BILLING ACT VIOLATION AS Per : XXXX - Credit Report Number : # XXXX Date Issued XX/XX/XXXX : ACCOUNT ( 1 ) - XXXX XXXX XXXX XXXX # XXXX : / Account ( 2 ) - XXXX XXXX XXXX : Experian- Credit Report XXXX # XXXX RE : XXXX XXXX XXXX '' and XXXX XXXX XXXX XXXX XXXX Debt Validation Dispute Re : XXXX XXXX XXXX, Consumer I am writing in regard to the above referenced accounts and transactions. This vehicle was repossessed by XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor ) in the State of ( Georgia ) on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. Your review of the required appropriate documents and records, will determine and verify any descreprencies.
XXXX XXXX XXXX XXXX XXXX XXXX FAILED TO COMPLY : Under the laws of the State of Georgia ( State where car was repossessed ) UCC ( GEORGIA 'S state 's UCC code, you will need to look this up ) and State RISA and MVISA statutes ; THEREFORE, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
I am in dispute of this erroneous inaccurate account as a result of its Loss-of Value/ and Express warranty. As a result, of this defect there was a breach of warranties, unjust enrichment, and violations of various state consumer protection statutes.
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
If no such proof is provided within 30 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
In addition, if XXXX XXXX XXXX XXXX XXXX XXXX XXXX or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and State of Georgia UCC code.
In addition, I am writing to dispute XXXX Experian/ XXXX XXXX XXXX [ name of accounts : Re : XXXX XXXX and aforementioned account numbers ] on aforementioned credit report numbers [ xxxxxx ]. The balance listed on the account is incorrect, disputable and unjustifiable.
Please delete the account. I am in dispute of these unverified, unreasonable, unaccountable charges. For example : As per : XXXX Credit Report : File Number XXXX I am in dispute of the following discreprencies : The Maximum Delinquency was 60 Days in XX/XX/XXXX and XX/XX/XXXX.
This is unexplainable ; an Omission of dates in billing error is unacceptable.
Therefore how could there possibly be a past due balance of $ {$8300.00}. As per Terms : ( See Report ) _________x {$0.00} per month, paid Monthly for 48 months.
Please investigate the following : Correct Date of Last Delinquency. Per the Fair Credit Reporting Act, the Date of Last Delinquency is the date ( month and year ) of the first missed payment that led to charge off, collection, foreclosure or repossession.
I am in Dispute of the following : XXXX XXXX XXXX XXXX XXXX failed to provide XXXX XXXX , Consumer with adequate pre- and post-repossession notices, and ( 2 ) attempting to recover unauthorized repossession deficiencies and expenses. Please provide the required documents.
I never received a Notice of Plan to Sell Property According to a class action lawsuit, after XXXX XXXX XXXX XXXX repossessed customers ' vehicles, it issued NOIs ( " Notice of Our Plan to Sell Property '' ).
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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 debt was sent to a collection agency, which I paid in FULL over seven years ago. I have been disputing this item for the past two years and they keep changing the reporting date to a current date so this item can remain on my credit file. Please assist me in removing this item in compliance to the Fair Credit Reporting Act.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I sent a letter to Transunion outlining errors on my credit report in XXXX. I included copies of my identification as explained on their web site. My letter was ignored and never answered as the law requires.
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Company believes complaint represents an opportunity for improvement to better serve consumers
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I work from home and receive a call from a XXXX phone and the was told that I should hold for a constable. I waited for about 2 mins and a gentleman came on the line and told me he had a summons to serve me and I should verify my address which I did. He then told me to verify my social security # and he rattled off my number and I confirm it. He them told me he had a warrant for my arrest as I owed Discovery Card {$4300.00} and I inform him I have never in my life owned or used a discovery card.
He got very rude and told me he was coming to my home to XXXX until I paid my debts as I was a dead beat and people like me needed to be shot on sight.
I hang up the phone and called back to speak with a manager and was refer to a XXXX who stated her employee number is XXXX and I informed her of the incident and let her know I intended to file this complaint with the CFPB and Atty General Office.
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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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To whom it may concern : Years ago, I was a customer at Wachovia Bank, where I received free checking because I had a required balance in the account. Wells Fargo bought over Wachovia, and I was told I was grandfathered in for free checking. Recently they charged me for free checking, although my account has more money than I transferred.
I believe this is illegal and unfair. Please help me.
Thank you.
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Company chooses not to provide a public response
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I leased a vehicle in XXXX of XXXX. In XXXX of XXXX I began having difficulty making the lease payments. GMAC worked with me to turn the vechicle in early and terminate the lease early. The car was dropped off at our local GMAC dealership in XXXX CA where it was purchased in XXXX of XXXX. This account was later included in Bankruptcy that was filed in XXXX XXXX and Discarged in XXXX XXXX. The issue I am having is that GMAC is still actively reporting this account currently each and every month, which is causing it to apprear on my credit report as a currently derogatory account which is clearly is not. Also GMAC was reporting the account as paid, then when it was included in the the Bankruptcy they continued to and still are reporting it so that it appears currently derogatory. This is affecting my ability to get any kind of financing for another vehicle because it looks like I have a very active derogatory auto loan.
G M A C DECODE XXXX XXXX XXXX XXXX XXXX CLOSED XXXX I-U UNRATED XXXX XXXX XXXX XXXX AUTO ACCT INCLUDED IN BANKRUPTCY BKPY XXXX ( XXXX ) CH XXXX BANKRUPTCY BKPY XXXX ( XXXX ) AUTO LOAN PAID ACCT INCLUDED IN CH XXXX BANKRUPTCY BKPY XXXX ( XXXX )
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Company believes the complaint is the result of a misunderstanding
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I initially received a collections notice from Credit Collections Services ( CCS ) several months ago relating to an overdue balance from XXXX XXXX. I confirmed with XXXX that the balance was incorrect and in fact I had a XXXX $ balance. This was confirmed with multiple call with XXXX at the XXXX Executive headquarters ( ph : XXXX ). I informed the CCS caller multiple times what I had confirmed with XXXX and attempted to provide the number of XXXX. CCS attempted to still pressure me into paying over the phone even after I advised them of this. They informed me there was nothing that can be done about the debt or than get paid since it was submitted to them even though I confirmed it was incorrect.
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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 rented an apartment back in XXXX with a friend. I moved out of the apartment in XXXX. However, my friend stayed in the apartment. I went to the main office and requested my name to be removed from the lease, I was told that everything will be OK and my was would be removed. I later found out that my friend was behind on the rent and my name was still on the lease. Since I 've already moved out of the apartment and requested my name to be removed from the lease I am not entitled to this amount. I would like to get it removed from my credit score because it is affecting me. I am not able to get a loan for a mortgage, and buy a house for me and my family.
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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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ProCollect Inc, located at XXXX XXXX XXXX # XXXX, XXXX, TX. XXXX reported several collections items on my credit from XXXX XXXX, 2014 to XXXX XXXX, 2014 when payments were already made. The account is still there causing me loss of opportunities.
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Company chooses not to provide a public response
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I have been a customer with this bank for years and for the most part I have not had any problems, until recently. I began reviewing my account statements after I received a notice that my account was over drafted over {$700.00}. I will be honest in saying that I have unintentionally over drafted my account in the past and have been able to bring my account in the positive within a reasonable amount of time. When I reviewed my statements, I started by reviewing the balance and charges from XXXX until recently. I would subtract the charges shown from the balance provided on my statements. Often times when I was charged an overdraft fee, there would still be available funds in the account. I have been charged {$36.00} overdraft fees for charges well under {$5.00}, the smallest being a {$0.00}. I know difference between an available balance and posted balance, still according to my research, a lot of the overdraft fees I was charged was done in error. The way BB & T explains how they process payments and the difference between an available balance and posted balance seems very deceptive. Based on the numerous complaints I have reviewed, I am not the first customer to have this problem. My account is utilized for various reasons and BB & T has put me in great financial trouble with other institutions I pay using the funds that are deposited in this account. I contacted the customer number XXXX to resolve this, both times the line disconnected. I only decided to submit this complaint as a last resort when I checked my bank statement to find out I was charged {$4.00} for contacting the customer service number in order to resolve my problem. I would like to remain a customer with this bank, but I do not agree with how I have been treated and taken advantage of.
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Company chooses not to provide a public response
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I went to XXXX XXXX XXXX XXXX in XXXX, CA to look at vehicles with the intention of financing through my credit union. It has been my understanding that per the terms of the Patriot Act, auto dealers can require a credit check before test driving a car while it allows them to give someone a rough idea of possible financing options without submitting a formal application for a loan. However, XXXX XXXX went beyond a basic credit check and giving me a rough estimate of what they could offer and applied for a legitimate loan on my behalf without my consent or knowledge merely to try and push a financing sale. They also did not provide copies of such paperwork per the requirements of California Law. I received a letter from Bank of the West days later saying that I had been denied a loan for an amount I also did not know about. Despite the fact Bank of the West is treating this as a legitimate loan application, they refuse to comply with their obligations as creditors to also providing copies of such loan as required in the State of California. This is a case of identity theft perpetrated by XXXX XXXX XXXX XXXX.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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On Friday XXXX XXXX, 2016 at XXXX PM I was contacted by my HR representative that a garnishment had been sent to my company and my pay status had been frozen by McCullogh, Payne and XXXX pertaining to a XXXX XXXX credit card I had that was over due on payment. I was never sent any documentation regarding this debt other than what was scanned to me by my HR dept. Upon notification by my HR I tried to contact the collection dept starting at XXXX XXXX, I was greeted with : All of the collection dept was with other callers please hold '', I waited 1/2 on the line and was constantly reminded that I was to hold on and someone would be with me shortly. I decided to leave a message so they could call me back, I received the following message, " The mailbox is full and can not accept any messages please call back ''. So I called back, this went on for another hour, as I was getting close to their closing time I tried their name directory thinking I could get a random collection agent who could help me, I tried XXXX agents who I randomly chose off of their name directory. All went right to voice mail??? I was so frustrated as obviously they could care less about helping me and with the weekend coming up I knew it would not be resolved until at least Monday XX/XX/XXXX. I believe this company purposefully sent that notice at XXXX on a Friday to cause as much grief as possible, knowing full well I would not be able to resolve this issue before the weekend thus causing me financial hardship of being unable to receive my paycheck. Upon calling this morning XXXX XXXX at XXXX am I was told I had to speak with XXXX XXXX who was not at her desk and would return my call as soon as she could. When I asked to speak to someone else regarding my problem I was told " XXXX XXXX will call you back '', i explained the need to resolve the matter and was to ; d she will call you back in the order she received my call. Again showing no responsibility for their action and no respect for helping to resolve my issue. I believe I should have received notice from them regarding this issue before any action, such as they took could have been taken. Then I believe that they when sending these notices out should be available to answer calls to try and resolve the matter, rather than inflicting financial hardship upon an individual who has no recourse, other than waiting on them for when they " Have Time '' to call you back. I accept my responsibility to pay this debt so I am not trying to get out of paying, my objection is the way the entire situation took place and their intentional timing and lack of response to my inquiries, and their lack of taking care of their end of the deal. This law firm obviously makes their money by collecting debts which I find no fault in, what I do object to is that they seem to feel they are above any being held to any type of accountability and that all people who owe money are bad people who are trying to shirk their responsibility of paying so all have to be treated as if you are not going to work with them. I am not looking to be coddled or to be treated differently, they could just find a way to be more human in their handling of each individual on a case by case basis. There should also be rules as to when a Garnishment can be issued and enforced, being sure to give the person being served a chance to respond and resolve the matter without the collection agent being able to send it and walk away without being able to be contacted for several days, thus creating a further financial hardship rather than try and help so as not to put a person into further debt which would just create a vicious circle that someone might never recover from.
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Company chooses not to provide a public response
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There is around XXXX credit cards open in my behalf that i have n't authorize. And is affecting 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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The subservicing company I pay my mortgage to recently changed.
I had been working really hard to find out how to do it. It felt like not providing me with the necessary or helpful information was intentional as time passed. I actually learned facts that were essential for the process from a friend. I was planning to have an appraisal done ( with XXXX XXXX XXXX XXXX ) to cancel the PMI when I was notified of the change. The new company, LoanCare, LLC is ignoring all my requests. They say they did n't receive my initial email request and subsequent emails are bounced back as undeliverable. I have yet to speak with anyone but a receptionist who disconnects calls when transferring to insurance dept. They say all over their website that multiple inquires may prolong the process. Yet the process never starts. I believe this is intentional. I 'm sure XXXX people like myself are eligible for PMI termination. But this is free money for them so OF COURSE they do n't want anyone to cancel it early, never mind helping them to do it by providing information.
I am really really angry. I HAVE NO CHOICE about who I pay my mortgage to. And they know it and treat their customers like garbage.
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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 Accounts compromise, Bank of America personal checking account, Bank of America Business DBA Account, Bank of America Merchant Account, Bank of America XXXX XXXX IRA, Bank of America secure Platinum Credit Card Account, Bank of America Home Loan Account. My accounts compromise, without no reason code, tried to close My accounts. I have all the legal documents for my accounts, My accounts have large legal payments, verbal, written, Documentation for all my Bank of America Accounts. Documentation has been filed with the irs, tax, Congressman XXXX XXXX, XXXX
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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Freedom Mortgage Corp - They keep sending me mail and I have to opt out to quit receiving their mailings. I NEVER Opted in. When I called their telephone number to opt out, they made it difficult to opt out, kept saying they did n't understand my voice commands to opt out,. These people are predators and need to be prohibited from conducting business.
XXXX XXXX
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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Bank risk department has been placing a hold on my payroll check deposits. The last XXXX. The last XXXX I converted to cash, got a cashiers check, and depositedthat. Again after a few days, a hold was placed on the funds. The first time, I went to the issuing bank, while I had Bank of America on the phone. The issuing bank, XXXX, had a record of BOA recieving the funds the day after I made the deposit. Yet XXXX days later the risk department software froze my ability to use my money. I feel strongly that there is a problem, if BOA does this to XXXX people monthly, that check kiting software they have developed improves their bottom line at the expense of the public. It 's a sofisticated way to kite checks, a practice that should have been regulated out. They take my {$1100.00}, and even XXXX other people 's funds for a week and then have the resources to loan out for mortgages or investments. While my XXXX year old wonders why there is no milk, and Daddy works every day. The BOA Vice President suggested I " climb the phone ladder '' but that stopped at the second rung and no money for a week. And this last check was a printed cashiers check, banking gold as I understand it.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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It 's been almost 7 years that I paid off the amount of {$1400.00} and I 'm tired of contacting TransUnion about this error in my credit to be remove. I just want XXXX to remove this negative item in my credit because it 's hurting me to get a credit card or 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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I have written directly to each of the credit-reporting agencies multiple times since XXXX XXXX when I realized there were problems with items they were reporting. All answered me but did not remove the inaccurate items and my credit score has been dramatically decreased ... from over XXXX to now under XXXX despite only XXXX even possible negative item which I have disputed with the company to no avail.
*I have never had a bankruptcy or foreclosure.
*I have no personal or business loans at all - no car loan, no student loan.
*I have approximately {$31000.00} balance on a mortgage that has never missed a payment in 25+ years.
*Of the credit that I have actively available, I use well less than XXXX, more like XXXX % in revolving credit on XXXX credit cards ( XXXX XXXX , XXXX XXXX ) that is paid every month without fail.
**There was an XXXX XXXX XXXX that was resolved in my favor, which the credit bureaus are aware of, but somehow the " delinquency '' continues - is that right, even when the balance is XXXX?
**There was a XXXX dispute from XX/XX/XXXX or XX/XX/XXXX where I tried to return a faulty cell phone and T-Mobile would neither allow me to return it for a new XXXX or fix the problem. So I cancelled the service. Only XX/XX/XXXX did that show up as a " collection '' item.
**There is an XXXX XXXX item listed as delinquent on an old savings account that never had any credit associated with it. It dates from XX/XX/XXXX, it never existed, the XXXX branch is long gone from my neighborhood and yet they refuse to remove it.
How can I have a credit score under XXXX based on XXXX " possible '' but strongly disputed problem valued at {$300.00}? It feels like I am being held hostage to some outrageous unknown extortionist.
Please help.
XXXX
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Company believes it acted appropriately as authorized by contract or law
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Sallie Mae continues to call me at my place of employment. I work at XXXX and they have called over 4 times and have been asked to stop numerous times. They were asked to take the number off the list and continue to call threatning my job!
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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 due date on my credit card payment falls on XXXX XXXX, 2016, Sunday. Since it was a Sunday, I paid it on XXXX XXXX, 2016, Monday. That same day, XXXX XXXX, 2016 the credit card company charge me for {$25.00} late fee.
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Company chooses not to provide a public response
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While traveling in XXXX, I was at an establishment that in addition to the correct charges hit my card for {$3200.00}. I disputed these with Wells Fargo as I had not authorized any beyond the first and, after producing alleged " signed receipts '' that were nothing but a vague scrawl ( and note that the establishment had an actual copy of my signature to work from ), the bank denied the dispute. In addition, it is shocking that it was not detected as a possible fraud, as no activity remotely like this had never happened in the entire time I had an account at Wells Fargo.
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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 consumer credit card with The Home Depot which has a deferred interest purchase that is due for {$340.00} which is due before XXXX/XXXX/2016, I paid the full amount of {$340.00} and they took {$110.00} for a minimum payment for the pay period. I called today to ask to pay the {$110.00} that they took for the minimum and they are trying to require me to another minimum of {$110.00} that is not due until XXXX/XXXX/2016. I am asking to pay the {$110.00} now and the {$110.00} before the due date of XXXX/XXXX/2016 and they are refusing. i authorized payment of {$110.00} but they took a payment for {$110.00} which was incorrect and I asked for them to cancel it and they refused to credit it back to me.
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Company chooses not to provide a public response
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I recently got a mortgage and now I have numurous hard inquries on my credit reports.
I have talked with both transition and XXXX about an account from XX/XX/XXXX that was taken out of my S.S. Ck. I also had accounts that were to be removed from my accountsBecause they were from XXXX Iwould like a forensic revue of my accounts.If that isPossible. Thank you XXXX XXXX
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Company chooses not to provide a public response
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I have never own a Credit card from the XXXX and it appeared on my credit report as collections balance to XXXX. As I have obtained a mortgage for my retirement home in Oregon, lender asked me to pay the full balance in order to get the loan closing because the credit reporting agency has been refusing to remove the error off my credit report! I paid the full amount of someone else 's financial misdeed. My husband and I are on a fixed income please help us to get our money back. Than you
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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 applied for a line of credit with care credit thru GE I as originally denied but was told I would be approved if I had a cosigner. I got a cosigner and was approved. I received a welcome letter and XXXX cards in my name. When the bank changed to Synchrony bank I received another letter. a few months later I called Synchrony bank due to not receiving a statement and I was told that I did not have an account. I argued with the rep to no avail. They said my cosigner was the only one on the account and I was just an auth user. The only info they have on my cosigner is name, ssn and dob. No phone number, no address, no employment was ever disclosed on the online application that was in my name. This was about a year ago. Now I call into Synchrony bank to get a payoff and they are saying again that I am not allowed to get any info. Also, I have been making more than the min payment amount and some months pay XXXX or XXXX payments a month. Synchrony bank does not credit my account for payment for the month paid if the payment is before the due date. that 's right. if you pay your account on the XXXX of the XXXX for your XXXX bill which is due on the XXXX your payment is posted to XXXX and you are then considered late pay and hit with a late fee and additional interest. I pulled the payments on line from both my bank statement and the payment postings on my Synchrony statement they all do show up each and every month, not missing a month and some times XXXX or XXXX payments a month but some were posted before my due date so they were not applied to that month. So I am being punished for making additional payments during the month to pay off the loan sooner and Synchrony stealing from me. I am not trying to pay months ahead I pay each month for that month and add more payments to lower my total amount to be charged interest, I am sure that I am not the only person this is happening to I have read many online complaints and it seems to be their standard practice. I totally see and will seek a class action law suit against synchrony bank.
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