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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I have been a customer of DINERS CLUB for the past 20 years. During all past 20 years Diners club never submitted data to credit reporting agencies. In XXXX XXXX, Diners Club sent me a note stating that they start submitting data to reporting agencies. The letter did not inform me that the card will submit data in the past 2 years. Unfortunately, Diners Club decided to submit data for the past 2 years. Giving the fact that I have been a customer for twenty years during which the card never reported data, it is reasonable to assume that the data being reported should only include data from the time they informed me they will start reporting, not data in the past. For example, had I known that Diners club will report data in the past, I would have cancelled my membership. Or would not have made use of the extension they have for their clients to pay after 60 days instead of 30 days.
This is not acceptable. The card never disclosed in their terms and condition when I signed up for a card in XXXX that they will report data to credit Bureau. The card should only report data from the time it informed its customers of its intent to report data and moving forward, not to go back 2 years.
I am asking you to take actions that compile BMO HARRIS DINERS CLUB to only report data from the time they updated its client of their intention to report to credit agencies.
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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 addresses reported on my report are incorrect, I have never lived at either XXXX XXXX XXXX XXXX in XXXX, Tx. or XXXX XXXX XXXX XXXX in XXXX, Tx.. I would appreciate these entries being removed.
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Company chooses not to provide a public response
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After signing up for online banking statements ( paperless ), I was still charged a fee of {$5.00} per month for " return statements ''. I have called the bank ( BB & T ) several times each year as well as going to a local branch ( XXXX NC ). Each time I was told it would be researched and corrected. Nothing was ever researched and the fees kept coming. Now the bank ( BB & T ) tells me they are willing to refund me one year ( {$60.00} ) of the fees even though I know they have charged me at least {$200.00} or more in these fees. They also took the money from a small savings account with these same return statement fees and closed the account. They say that they have no record of me talking to them regarding this problem or of me coming to the local branch to discuss this problem. The computers show when I signed up for no statements so the error on their part should show the amount they have charged me and how much should be refunded to 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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There is a home in XXXX. that we have not been unable to sell. For the last nine months I have attempt to negotiate with CitiMortgage to close the account on this home by deed-n-lieu. We now live in XXXX. Every 90 days I have had to submit a packet of documents to keep the request current. I have made sure the monthly payments are made each month and on time. This month note to be paid is {$1.00}, XXXX for XXXX. The original amount of the note was $ XXXX/monthly. The additonal charges are so great that the principal amount has not decreased. In fact the XXXX payment only apply {$200.00} to the principal balance. XXXX note included a charge of an additional {$2000.00} dollars. The monthly note totaled {$3500.00}. I made a payment of {$2000.00} dollars on XXXX/XXXX/2015, then the additional payment ( XXXX ) {$1500.00}. There is no reference to the payment of {$2000.00}. On numerous occasions I have written for a review of the account to specifiy where the {$2000.00} was applied. Instead I have been told there is an overdue amount of {$360.00}. A history of payment application was sent after several request, It does not refer to the {$2000.00} dollars. Since the Deed-N-Lieu request there are other charges that eats up the payment i.e. : reinstmnt expence, property preservation, foreclosure costs ( {$920.00} ), appraisal/XXXX ( XXXX ), forclsr Atty fee ( {$270.00} ). Theses charges are listed every month. I have not missed a payment so why are we being charged foreclosure fees? How many time do the property have to be appraised? There should be only one Attorney assigned to this account, how many times must the attorney be paid?
I ask for deed-n-lieu because of the hardship that I am in. My husband a XXXX Veteran is XXXX. If he dies then a lost of his income would be detrimental to me and the XXXX children XXXX. This has been stated in a letter of hardship to CitiMortgage. A contract was sent to us from CitiMortgage in XXXX to finalized the deed-N-lieu request. It is now almost the end of XXXX and the contract has not been processed. If the process takes more than 90 days then I must submit additional documentation that our income and status has not change. Our income will not change unless my husband expires.
CitiMortgage been going in a vicious circle and failed to finalize the process in a timely manner.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I recently pulled my credit report from Experian and noticed the following accounts were listed on my reports as a collection/chargeoff. I immediately disputed this information with Experian and the results of the investigation came back as " verified ''. I did not have an account with any of these companies during this time period. All of these companies incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. With Experian continuing reporting this account as negative on my credit report it makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless these debts are immediately removed from my report.
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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 Account XXXX is being reported incorrectly by XXXX XXXX XXXX, they indicate the first date of delinquency on the account is XXXX XXXX, which is incorrect. The first date of delinquency appears to be XXXX XXXX. I need this corrected 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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XXXX XXXX continues to report an account to my credit report as " Disputed '' even though I have informed them ( see attached letter dated XXXX/XXXX/16 ) that this account is no longer disputed and requested that they remove this status from my credit report ; I am attempting to obtain a mortgage and this dispute status is preventing me from qualifying.
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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 Best Buy Credit Card, member since XX/XX/XXXX, was purchased by Citibank. I was charged the annual fee XX/XX/XXXX which covers the card through XXXX XXXX. My card expired in XX/XX/XXXX, I received a notice dated XXXX XXXX that my card would not be renewed due to a review of my credit. While I do not want the card or any account with XXXX, I do think its unfair and deceptive of Citibank to collect my annual fee, notify me after the card expires that my account has not be renewed. Why are they not required to do it prior to collecting the fee? To add more insult, they refuse to reimburse or credit the account for the annual fee. I was told that it could not be done systemically. I spoke to XXXX different customer service reps who all advised me of the same thing. They have also prevented me online access to my account to make a payment and I now have to call or mail my payments by mail. I also contacted them through social media and was promised a call within 48 hours and they have yet to contact me. My tax dollars went to bail out this bank yet they can not do anything to help the average customer.
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Company chooses not to provide a public response
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DEAR SIR, I WOULD BE MOST GRATEFUL IF YOU COULD ASSIST IN WHATEVER WAYS YOU CAN SINCE I CAN NOT AFFORD A LAWYER.
MY COMPALINT IS AGAINST CATCH LLC REPRESENTED BY LAWYERS XXXX.SCOTT LOWERY OF XXXX XXXX IN XXXX I HAVE A CREDIT CARD DEBT OF XXXX $ ( FROM XXXX.THEY SENT ME TO COLLECTION BECAUSE I MISED A FEW PAYMENTS WHEN I HAD NO JOB AFTER MOVING TO XXXX XXXX. ) I HAVE ALREADY PAID THE ABOVE LAWYERS FOR OVER A YEAR ALREADY ( AS AGREED WITH XXXX. SCOTT REP AT {$50.00} EVERY MONTH ) BUT I CAN NOT AFFORD TO STOP PAYMENT WHEN THIS IS DUE BECAUSE THEN THEY WILL ONLY ASK THE XXXX XXXX COURTS ( WHERE I WILL GET NO SAY ) TO COLLECT ON THEIR BEHALF.
THE COURTS WILL IN TURN AGAIN TAKE MONEY ( THE AMOUNT OF WHICH I CAN NOT DETERMINE ) FROM MY SALARY.
I HAVE HAD THIS PROBLEM BEFORE FOR A PERSONAL LOAN ( OF XXXX $ ALSO FROM XXXX XXXX XXXX. ) XXXX ( WHICH WAS BAILED OUT BY GOVERNMENT ) SENT ME TO COLLECTIONS AND I PAID XXXX SCOTT LOWERY FOR A WHOLE YEAR ( XXXX $ NOT TAKING INTO ACCOUNT WHAT I HAD ALREADY PAID THE BANK ) AND THEY SCAMMED ME.
THEY SAID I WAS LATE FOR PAYMENTS AND TOOK THE WHOLE {$1200.00} AND POCKETED THE MONEY.
THE AMOUNT PAID WAS NEVER PUT AGAINST THE LOAN REPAYMENT.
I THEN STOPPED PAYMENT AND THEY THEN JUST TURNED AROUND TO THE XXXX XXXX XXXX TO COLLECT ON THEIR BEHALF.
I GOT NO FAIR REPRESENTATION FROM THE COURTS AND THEY JUST USED THEIR AUTHORITY.
TILL NOW THE COURTS ARE TAKING MONEY FROM MY SALARY AND I HAVE NO CLUE HOW MUCH AND FOR HOW LONG..THE COURTS HAVE NO EXPLAINATIONS FOR ME.
THEY ONLY REPRESENT THE MEN IN SUITS.
I THINK THIS IS A BIG SCAM ABOVE ANYTHING ELSE AND I LOOK AT THIS WHOLE SET UP AS EXTORTION AND/ OR ROBBERY IN BROAD DAYLIGHT.
TO THAT EFFECT I WOULD BE MOST GRATEFUL IF GENTLEMEN, YOU COULD KINDLY ASSIST AND ADVISE AS TO WHEN, HOW AND WHERE I FINALLY PUT AN END TO THOSE DEBT PAYMENTS AND STOP DEALING WITH CROOKS AND SCAMMERS.
I THINK THAT THOSE PEOPLE IN SUITS SHOULD ALSO BE HELD ACCOUNTABLE LIKE ANY INDIVIDUAL.
I 'VE DONE ALL I CAN TO PAY OF MY DEBTS AND I AM STILL WORKING HARD TO GET OUT OF DEBT TOTALLY HOWEVER IF I AM TO PAY {$1800.00} FOR MY WHOLE LIFE THEN I MIGHT AS WELL STOP WORKING ALTOGETHER AND LET THE STATE TAKE CARE OF ME..MAYBE THE STATE WILL THEN TAKE CARE OF MY DEBTS TOO.
XXXX NEVER GAVE ME A CHANCE AND I LOOK AT CATCH LLC AS RESORTING TO EXTORTION THROUGH THEIR LAWYERS AND THE XXXX XXXX XXXX, I AM SURE YOU WILL AGREE WITH ME SIR, THAT THESE CONDITIONS ARE UNTOLERABLE.
I THANK YOU IN ADVANCE SIR AND LOOK FORWARD TO A POSITIVE RESPONSE FROM YOUR END.
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Company believes it acted appropriately as authorized by contract or law
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I sought help with refinancing or a loan modification after I found that my husband unexpectedly decided to file for divorce. I bought my home prior to our marriage. We as husband and wife decided that it was ok for me to become a stay at home mom and wife due to his increase in income. So when he up and left I had no other income. I reached out to the company listed below and was advised to not make a payment, which I was up to date on and not ever late up until this point, with help from my parents. I took the advice and now a little over a year later I am unable to get caught back up and looking at possibly losing my house. I wish I would have known then what I have come to learn now!
XXXX XXXX Processor ( Not an attorney ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Toll Free ( XXXX ) XXXX Ext. XXXX Fax Number : ( XXXX ) XXXX Office hours XXXX to XXXX est.
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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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Experian fails to update my credit bureau report and does not notify me of any changes, additionally they fail to update my Score after I have no delinquencies.
I continue to have OLD OUTDATED information and medical bills that do not belong to me not to mention wrong information on late charges they have not investaogated and failed to contact 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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As you know, my car was repossessed XX/XX/XXXX. It was a XXXX Toyota Yaris fiinanced through Regional Acceptance. Today I received a letter from them stating that the car was auctioned off and want {$9000.00}. from me. I will not pay for a car I no longer have. Now, my question is this .I have a part time job, can my salary be garnished? Also, I am financing a car from a dealer in a different state. Can that car be repossessed? I just want these people to leave me alone. They got their car back. What more do they want & gt ;
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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On XXXX XXXX, 2016 I went into a Target store in XXXX, California. I was on my way to give a speech and stopped at this store to buy some things. XXXX is an overwhelmingly minority community. I made XXXX purchases. 1 ) XXXX packages of alkaline batteries for {$31.00}. 2 ) A XXXX camera for my wife for {$210.00}. XXXX XXXX initially declined the charge. I respeat, XXXX is an overwhelmingly minority community. I immediately reached XXXX by phone and answered questions. They ultimately approved the charge. While I was waiting for XXXX to approve that charge, I gave the clerk my Bank of America ( BofA ) credit card and asked her to charge the batteries on that. That charge was also initially denied. In talking to BofA they said they wanted to make sure it was not a fraudulent charge and BofA approved the charge, which I thought was only for the batteries. However, she apparently accidentally also charged the {$210.00} camera on that. When I saw that, she agreed to back out the BofA charge. For reasons unknown to me, the charge was not reversed and I have now paid for the camera twice. Somewhere along the line, BofA cancelled by crredit card and said they would send me a new one, which they did, several days later. When I later went online to challenge the charge, all the form would let me do was call the charge a fraud. There is no space for mistake or accident. I 've now had SEVERAL phone contacts with BofA telling them what happened and said to not pay XXXX for this charge since they had already been paid on my XXXX card. I never challenged the batteries, only the camera. The last contact was just a few days ago. After again, explaining this to the BofA representative, I told here I would gladly pay for the batteries. After questioning her closely, she said there had not been a {$210.00} charge on my BofA credit card. I said, if that 's the case, then I 'd drop my challenge since, according tohere, there was nothing to challenge. TODAY XXXX/XXXX/2016, I got a letter from BofA. It says a charge of {$210.00} was placed on my credit card account because I agreed to assume responsibility for it which I NEVER DID. The good news is that, no doubt, BofA has recordings of all this which will prove my point, most especially the last contact a few days ago. That woman was either incompetent or untruthful. I now want BofA to eliminates this charge once and for all.
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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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Trying to get release of lien off my XXXX XXXX XXXX XXXX # XXXX from Citibank NA. Contacted Citibank NA, on XXXX XXXX, XXXX, representative XXXX said they no longer own the loan, that it was transferred to XXXX. Contacted XXXX, on XXXX XXXX XXXX. Representative, XXXX XXXX said XXXX does not have any record of this vehicle on any of account. Need to get Lien Release ASAP.
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Company chooses not to provide a public response
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ACCOUNT SERVICES COLLS ARE REPORTING A {$140.00} FOR A MEDICAL BILL FOR XXXX THAT MYH INSURANCE HAS ALREADY PAID. XXXX AND XXXX HAVE SINCE REMOVED THIS DEBT AFTER MY INQUIRING FOR VALIDITY. NO VALIDITY COUND BE PROVIDED AND THE ACCOUNT WAS REMOVED. I NEED XXXX TO DO THE SAME ASAP.
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Company believes it acted appropriately as authorized by contract or law
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I sent a request for information to Select Portfolio Servicing ( SPS ) on XXXX XXXX, 2016 related to their assertion that they are authorized to service an alleged loan on my home. SPS did not answer all of the questions despite having requested this information XXXX previous times. This is be my forth time asking SPS for complete answers to a complete Qualified Written Request.
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Company chooses not to provide a public response
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To whom it May Concern, I, XXXX XXXX, hereby declare that I have been a loyal customer of bank of America since 1998. I have changed accounts four times for security reasons, but I never left my bank. It has been about ten months or so since that the overdraft fees that bank of America charges have become outrageous. Bank of America reorders debit card transactions/e-bill payments and withdraws in various ways ( usually placing the higher amounts first that will leave customers with negative balances XXXX, therefore ; the average client will be left with more than a few costly overdraft fees. Every time I have called to complain about how my available balance changes from day to day, the supervisors and customer representatives tell me that the automatic system rearrange transactions in different ways. Sometimes the automatic system will process larger transactions first and others the system will not process transactions correctly over the weekend. Consequently, on Monday morning the average costumer will be surprised with a bunch of overdraft fees. I have asked supervisors and customer reps to amend the mistakes that the automatic service makes. Some managers will waive a few charges. Others, like the last supervisor I spoke with will tell me that if I balance my account using my phone or a computer, I am destined to pay overdraft fees every week. If that is the truth, why does bank of America promotes mobile applications, online banking usage and online statements? Then, to make it more ridiculous the supervisor told me that if I kept doing my balance using paper and pencil and comparing it with my online balance, I was also destined to be charged hundreds of dollars in overdraft fees. Supervisors keep talking about the automatic service and blaming it for all overdraft fees like the automatic service is an electronic device that ca n't be handled by human beings ( it has its own mind ). My sister who was a loyal customer for XXXX years of Bank of America left the bank because of the same reason : Bank of America is rearranging deposits and withdraws anyway they want, so they can make millions charging overdraft fees. Something has to be done to stop Bank of America for charging overdraft fees in order to increase costs to average consumers for their benefit.
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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 foreclosure sale scheduled for a loan held by Wells Fargo Home Mortgage. My company owns the property in California which is collateral for the deed of trust. On XXXX XXXX, 2016, I contacted WFHM and requested reinstatement figures per CA Civil Code section XXXX, we are an " entitled party '' by being a successor trustor through foreclosure. The fax documents were sent to WFHM per instructions received from a representative and subsequent calls have been made as well to no avail.
XXXX XXXX 2016 - Call to XXXX # XXXX he informed me the fax had not been processed yet. and to call back.
XXXX XXXX 2016 - Called again spoke with XXXX # XXXX - She told me processing time could be two weeks and to try back again.
XXXX XXXX 2016 - Called again, spoke with XXXX XXXX # XXXX, he said to try back on Friday XXXX XXXX to see if the request was processed.
XXXX XXXX 2016 - Called again and asked about the reinstatement numbers to stop the foreclosure sale. Spoke with XXXX in BK dept. She said she did n't see the fax was ever received and gave me # XXXX to re-send it to. I did.
XXXX XXXX 2016, Called spoke with XXXX in collection dept. She said the fax was received and had not been processed by any dept. I thanked her and asked her to let me know who could look at the package and issue figures to stop the foreclosure. She did n't know who could do the processing.
This leads me to this website to file a formal complaint against WFHM for not issuing reinstatement figures against CA Civil code. We are a successor in interest to this deed of trust and I demand a viable method of reinstating the mortgage which encumbers the Real Property lawfully owned by my employer in California. Please help.
Loan # XXXX Property : XXXX XXXX XXXX XXXX XXXX CA XXXX Borrower : XXXX XXXX XXXX XXXX .
Last 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 had my loan with country wide bank of America took it over everything was fine until I feel on some hard times last year. There collections department called and I was able to set up a repayment plan to get caught up but then even while I was making all my payments on the time table they set up for me every few days they would call me and tell me my home was going into foreclosure and I side I 'm making all my payments on time that they had set up. They then told me that until I made the last payment they had the right to call me any time they wanted. I got everything caught up last month I made my payment early this month I am a little tight but will have it payed before any late fees go on it which is how I paid it for years and they never called or complained about it now they have there collections department calling me way before the grace period is up I still have 11 days in the grace period. I filed a complaint at the bank when the issue with the harassment during the repayment and got no results. I have always paid extra on my loan and did even on the repayment plan and every month since I do not think I need to be harassed before I am out side the grace period.
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Company believes it acted appropriately as authorized by contract or law
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Pinnacle Credit Services is repeatedly calling my mother-in-law, threatening that I am going to jail. I have never received verification or validation that this debt belongs to 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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Citi credit card customer for 4 years. Pristine record until the day I switched my banking relationship and forgot to update the auto-pay info with Citi and was charged {$31.00} on a {$31.00} account balance. Customer service was horrible. In fact, horrible is an understatement which led me to close the account. ( {$22000.00} credit limit ) and an existing brokerage, IRA relationship totaling {$600000.00}. Yep that 's right for {$32.00}. Never again will I do business with Citi, especially that the level of customer service has taken a nose dive from where it was. Poor command of XXXX, the person sounded like she wanted to get rid of me, transferred me 2 times to the wrong person and seemed to care less if the issue was solved. Great job Citibank!.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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XXXX is reporting to XXXX and Experian as current 120 and 180 days delq for an account that was charged off in XX/XX/2009 for both of us- XXXX and XXXX XXXX . XXXX XXXX has already removed the derogatory item all together. XXXX is dropping our credit scores by XXXX points based on these consistent lates for years. We demand they fix their reporting right away. We have complete XXXX rounds of dispute letters to both XXXX and Experian and have attempted several CFPB complaints and to date we still have not received any assistance or resolution. We demand CFPB steps in and gets this fixed right away.
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Company chooses not to provide a public response
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I 've submitted multiple disputes to Experian in regards to collection accounts that XXXX XXXX XXXX has inserted into my credit report as credit tradelines. I provided documentation to Experian on different occasions and each time the accounts come back verified. I supplied Experian a copy of their own documentation showing how a collection account should be reported and they still have not deleted the inaccurate information. XXXX purchased delinquent charged off credits cards and are now misrepresenting themselves as a Debt buyer and my original creditors which they are not. I have no other option but to file a complaint with the CFPB and the XXXX Carolina Attorney General office.
These accounts are reporting with payment history whereas there is no provision under the collections segment of a consumer credit file for debt collectors to report payment history profile dates and items.
These accounts are reporting payment terms as well. Again information that should not be reported by a collection agency.
A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor, FDCPA 803 ( 4 ). This reporting is frivolous and inaccurate.
Documentation attached.
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Company believes it acted appropriately as authorized by contract or law
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After several unexpected medical bills, and with no living family to turn to, I was forced to search for a quick way to pay bills in advance of my regular paycheck. I found Green Trust Cash after a frenzied google search and the agent I spoke to was friendly and understanding, if hurried and pressuring me to see the benefits of having cash now. Agreeing, I accepted the terms of the loan, not understanding the incredible interest rates or the way that I would not be able to increase my payment schedule/pay the principal down quickly -- - although the agent I spoke to assured me that repayment was easy. I received the {$300.00}, less {$25.00} in wire transfer fees, and the schedule for repayment began. As per the loan agreement, I paid {$720.00} over the course of 3.5 months, more than 200 % of the loan. However, with the clear of day, I have come to understand that they are attempting to charge me 751.07 % ( or a total of {$1400.00} ) for a loan of {$300.00}. I was unable to keep up with their punishing 'repayment ' schedule, that actually kept the principle very high, so as to keep me paying for as long as possible ( more than 1 year ). I closed the bank account they were aware of in order to get some breathing room ( after being charged late fees/overdraft fees ). Then, before I was able to contact the lender about finding a schedule that would fit within my state 's legal repayment/interest laws, Green Trust Cash began to badger and call incessantly. Some times as often as 4 times a day, on my personal and work phone numbers. Having a diagnosed XXXX, I have been thus far unable to answer their abusive emails, voice mail messages or calls. I am in over my head and in need of help. Please do not trust this company.
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Company believes it acted appropriately as authorized by contract or law
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Today I logged into my XXXX account only to find out it showed a {$6400.00} credit line ( with a {$0.00} balance ) from Kay Jewelers had been closed TODAY ( XXXX/XXXX/2016 ).
I have not received any correspondence whatsoever in regards to my card ( aside from just having received a brand new card in the mail ) and as far as I am concerned my account was in very good standing.
Upon reaching out, I was advised that they have a standard policy of deactivating accounts that have not been used in a certain amount of time. Now this is complete, absolute and utter XXXX -- they do n't reach out to the consumer, send a letter advising that this is about to happen or anything -- they just simply close down a credit account that has been active and in good standing for 3 or 4+ years.
Nobody from Kay was in any position to help me whatsoever or help fix the issue, and now they 've not only lost a customer for life but they went ahead and shut down a {$6400.00} credit line that I had every intention of continuing to use.
It is absolutely heinous to me that they have absolutely no requirement or responsibility to the cardholder to advise them of something they will be doing that can so negatively impact their credit reports. Moreover, the complete apathy from Kay staff was disgusting.
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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 XX/XX/XXXX I disputed the account the account with hunter warfield on the grounds that the company has failed to notify me prior to reporting to the beauru. according to the FCRA the reporting agency has a responsibility to have a process to investigate not only the companies response buy mine as well.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I had applied for XXXX XXXX XXXX XXXX More Credit card from Citibank and the same got approved on XXXX XXXX, 2015. The card has an annual fee of {$95.00} and it has an offer related to refund of up to {$650.00} incurred towards purchase of new cellphone from XXXX XXXX XXXX after consumer spends {$2000.00} within 3 months. I purchased an XXXX XXXX XXXX from XXXX XXXX XXXX XXXX for {$740.00} at XXXX XXXX, Ohio on XXXX XXXX, 2015. I promptly faxed the receipt to Citibank Customer care ( Fax No XXXX ) around XXXX XXXX, 2015. The same had been acknowledged by Customer care as well as XXXX XXXX, Executive Response Unit from Citi Bank. I met the purchase target of {$2000.00} within 2 months instead of stipulated 3 months. However, I am yet to receive my refund of {$650.00} from citi bank. Every follow up is met with standard reply that it will take effect in next billing cycle. Today, I have been informed by citibank that they do not have the Fax copy of my receipt and would like me to send it back in order to avail the offer. I feel I have been cheated by the fraudulent advertisements of citibank and Citibank is intentionally misplacing documents to avoid paying the refund amount of {$650.00}. Please initiate suitable action against citi bank for fraudulent activities. Please find a similar CPFB case logged earlier for the same card ( Case # XXXX ). XXXX XXXX XXXX from CitiBank had called up and expressed false intent to resolve the issue. However, subsequent calls barring one customarily lands up on her voicemail which she never cares to return back.
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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 my Experian account there is a company reporting a collections account. I have filed a dispute with Experian and all they did was send a notice to the collection agency and did not ask the collection agency ( XXXX XXXX XXXX ) if they had documented legal proof that I owe this debt. I visited the office of this collection agency ( XXXX XXXX XXXX XXXX ) in XXXX, AZ. and they could not provide any documentation of any form. I sent them a registered letter requesting such information and I also contacted the physical therapy office and they could not provide any proof either, nor have they called me with any status regarding the claimed debt as they promised. I advised Experian and asked them why they did not require documented proof from the collection agency and they responded that the business can report to them any information that they want. I asked if they require the reporting business to have or provide any type of legal documentation indicating that the person that they are reporting negative information on their credit report, they indicated that no basically the reporting company can report whatever they want and Experian in their dispute process will only ask them if they want to continue reporting the information, whether or not they have any legal grounds to do so.
My complaint is that the credit reporting agency in their dispute should require that the reporting client of Experian should be able to provide legal documentation regarding the information that they are reporting, especially in this electronic age where the information could easily be provided. And if the creditor or collection agency can not provide such documentation then it must be removed.
If this agency had any legal documented proof they would have filed legal action against me long ago, as I have lived at the same address for over 24 yrs.
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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 filed bankruptcy and XXXX XXXX was left on my credit report an I had no balance and it lowered my score
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I paid my loan on XXXX XXXX and it 's still showing up negative when I actually paid up until XX/XX/XXXX
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I have sent several letters asking them about this debt and they refuse to send me anything. I continue call XXXX and inform them that I do not owe them any debt to them inwhich they showed that I do not own any debt. This company IC Systems continue to report this collection on my Credit Reports.
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Company chooses not to provide a public response
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I attempted to order a new card with Continental Finance, the card I have is damaged, there is a crack on the bar code and will not scan correctly due to it. I have to use the card online, it will not work in any terminal. The rep I spoke with stated my account needs to be current, which it is, it is not past due. She would not order a new card. I am not due until the XXXX, the account is current, not past due.
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Company believes it acted appropriately as authorized by contract or law
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I was making regular payments. In XXXX XXXX I was XXXX in the Michigan XXXX. The finance company knew this but continued to harass my parents.
I was released XXXX XXXX, XXXX. I got my Social Security XXXX reinstated and started making payments XXXX XXXX, XXXX. I have been making, and plan on continuing to make regular payments until it is paid off.
I have been regularly checking my credit score and have noticed that the balance is still at {$19000.00}. I called Ditech to inquire as to why my payments are not being reported. I was told that they do n't report payments until the outstanding balance is paid in full. At {$300.00} a month, that will take about 6 years. It will state on my credit report that I still owe {$19000.00}.
If I am making regular payments, then they should be reported to the credit bureaus. They are quick to report if you DO N'T make a payment.
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Company chooses not to provide a public response
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WE ARE IN THE " NOTICE OF TRUSTEE SALE '' STAGE OF THE FORECLOSURE WHICH SALE DATE IS XXXX/XXXX/XXXX, 19 DAYS FROM TODAY. WE HAVE BEEN TRYING OFF AND ON FOR 7 YEARS TO GET THIS TAKEN CARE OF AND STILL HAVE N'T FOUND THE RIGHT PEOPLE TO EVEN ACT LIKE THEY CARE LET ALONE SQUASH THE LOAN AND TAKE CARE OF THE COMPANIES WHO CAUSED ALL OF THIS IN THE FIRST PLACE.
COUNTRYWIDE/BANK OF AMERICA-XXXX., ALTERNATIVE LOAN TRUST XXXX, MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX, XXXX REAL ESTATE AND COUNTRYWIDE HOME LOANS, XXXX AS THE LENDER, XXXX, XXXX XXXX XXXX WHICH ARE ILLEGAL/ BAD LOANS AND WERE SUPPOSE TO BE CLEARED BY BANK OF AMERICA ALONG TIME AGO PER MY PHONE CONVERSATION WITH THE XXXX OFFICE IN XXXX XXXX, NV.XX/XX/XXXX.
IT IS XXXX OF THOSE BAD LOANS THAT IS NOW TRYING TO HAVE A TRUSTEE SALE XX/XX/XXXX, THIS IS THE 7TH TIME WE HAVE BEEN HARRASSED IN REGARDS TO SOMEONE TRYING TO FORECLOSE ON OUR HOME THAT OUR FAMILY HAS BEEN IN FOR OVER 50 YEARS.HERE. MY BROTHER AND I WERE BORN AND RAISED IN OUR HOME.
THE SECOND MORTGAGE WAS ALREADY SQUASHED XX/XX/XXXX BY THE DEPARTMENT OF JUSTICE AND THE STATE XXXX OFFICE. BANK OF AMERICA WAS ORDERED TO GIVE A FULL FORGIVENESS OF THE REMAINING PRINCIPAL BALANCE OF THESE LOANS AND DID THAT XXXX OUR 2ND MORTGAGE BUT APPROX. 7 BUSINESS DAYS PRIOR OF THE ACTUAL PAPERWORK WAS COMPLETED, OUR FIRST MORTGAGE WAS ASSIGNED/TRANSFERRED TO ANOTHER SERVICER. WHICH NOW IF WE CALL BANK OF AMERICA THEY HAVE NO RECORD OF TALKING TO US, NO INFORMATION WHATSOEVER ON THE FIRST OR SECOND MORTGAGE IN REFERENCE AND STATE THEY HAVE NEVER DONE BUSINESS WITH MY FAMILY. WE HAVE INTIMIDATED, HARRASSED, LIED TO SO MANY TIMES WE STOPPED COUNTING ABOUT 7 YEARS AGO. WE HAVE NO FAMILY LEFT AS OUR MOTHER PASSED IN XXXX OF THIS YEAR RIGHT WHEN THIS CURRENT FORECLOSURE ATTEMPT WAS INITIATED. NO LOANS PAYMENTS HAVE BEEN MADE SINCE XXXX AND UNTIL NOW, AFTER MY MOTHERS DEATH, SHE WAS THE ONLY ONE ON THE LOAN. PLEASE SEE ATTACHED LETTERS AND SUPPORTING DOCUMENTS PROVING THESE ISSUES STATED IN THIS COMPLAINT.
PLEASE, PLEASE HELP US UP HOLD THE LAWS IN REGAGRDS TO THIS AS WELL AS ALLOWING US TO KEEP OUR HOME, WHICH WAS COURT ORDERED BACK XX/XX/XXXX WHEN MY MOTHER BECAME A XXXX BECAUSE OF A XXXX XXXX THE SIZE OF A XXXX ON HER XXXX WHICH WAS DISCOVERED WHEN SHE TRIED TO XXXX BECAUSE OF HER MORTGAGE PAYMENTS. THEY EXCEDED HER MONTHLY INCOME AT THE TIME OF CLOSEING BY $ XXXX. THIS DID NOT EVEN INCLUDE UTILITIES AND FOOD FOR HERSELF AND HER XXXX XXXX SONS.
WE ARE RUNNING OUT OF TIME AND ARE MENTALLY AND PHYSICALLY DRAINED IN REGARDS TO THIS ISSUE. WE HAVE EXPLAINED OUR SITUATION OVER AND OVER AGAIN TO MANY ENTITIES MOST OF WHICH DO N'T EVEN ACT LIKE THEY CARE LET ALONE LIFT A FINGER TO HELP.
THANK YOU IN ADVANCE WITH YOUR PROMPT ATTENTION IN THIS MATTER. ATTACHED ARE OVER XXXX SUPPORTING DOCUMENTS AND/OR VIDEOS PROOVING EVERYTHING STATED ABLOVE AND PROVING THAT THIS IS OUR HOME. MY FATHER MADE SURE IT WAS FREE AND CLEAR PRIOR TO HIS DEATH.
MY PHONE NUMBER IS XXXX-CELL AND MY HOME NUMBER IS XXXX. MY E-MAIL : XXXXXXXXXXXX MY BROTHER XXXX XXXX, CELL NUMBER IS XXXX. HIS E-MAIL IS : XXXXXXXXXXXX.
PLEASE CONTACT ME AS SOON AS POSSIBLE. WE APPRECIATE ANY AND ALL INPUT AND RESOLUTION THAT WE KNOW YOU WILL PROVIDE.
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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This is in reference to my ongoing dispute with bank of America case number XXXX. A resolution specialist named XXXX left me a voicemail to return her call. On XX/XX/2016, I left her XXXX voicemails before she returned my call. She said she will " INVESTIGATE '' and she will call me back on XX/XX/2016 which she never did. During the conversation, I asked her for written correspondence instead for her " findings '' and SHE REFUSED. She refused to mail, email or fax as a form of correspondence, she said she will call, maybe to avoid incriminating herself in writing. She attached a document, a letter dated XX/XX/2016 a letter which was supposedly have been mailed to me which I have never received. Today is XX/XX/2016, and I presume that letter was written and attached to my ongoing case for the sole purpose of showing she " responded ''.
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Company chooses not to provide a public response
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Wells Fargo Home Mortgage continues to use the United States Postal Service to mail fraudulent statements to me, claiming I owe them over {$200000.00}. I never contracted with Wells Fargo Home Mortgage. They continue demanding unsubstantiated amounts, usually in the range of thousands of dollars at a time. I have written many times asking for verification of this alleged debt and have not received proof they are the holder in due course.
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Company believes it acted appropriately as authorized by contract or law
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Hello I found an open collection account listed on a recent Credit Report which i obtained using XXXX and XXXX XXXX. I attempted to research the company, Enhanced Recovery ( ERC ) using XXXX. I found that this company does not have a website, which raised my eyebrows about the legitimacy of this collection. I called the original creditor ( XXXX XXXX XXXX ) to find out more. XXXX XXXX has NO RECORD of my name or social security number in their system. They told me to try to find a number for the Collection agency so I called the number on my report. The person who spoke with me did not inform me that I could dispute this debt, that I had any right what so ever to challenge the facts of the debt. I asked for him to send me a letter to verify the facts of the debt. They ended up sending me a " summary of the payment agreement. '' I can assure you I did not agree to pay them anything, especially when I had no information about why they had this debt and did not share with me my rights. Then they somehow assumed I had agreed to pay them in full without those words ever coming from my mouth.
I Believe this is deceptive and illegal and furthermore, an immoral practice, especially coming from a company that is doing its best to hide their identity by not having a website or any contact information readily available to the public.
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Company believes it acted appropriately as authorized by contract or law
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Today I received in the U.S. Mail a letter dated " XXXX/XXXX/XXXX '' from " XXXX '' with a copy of my " XXXX '' credit report. Under the " Adverse Account '' section, there is only 1 false/Identity Theft listing. It is from a debt collection agency called " Enhanced Recovery Company , LLC. " ; XXXX. XXXX XXXX ; XXXX, FL ; XXXX ; ( XXXX ) XXXX. It claims that I owe " XXXX XXXX. $ XXXX. '' I have NEVER used " XXXX '' I 've had " XXXX '' for the last 22 consecutive years. I am a victim of Identity Theft. And this is the exact same company that unlawfully posted the exact same adverse information on all XXXX of the major credit bureaus ( i.e., XXXX, XXXX, & XXXX ) around XXXX of XXXX before being ordered by the same XXXX credit bureaus to " Delete '' this intentional false/Identity Theft " XXXX '' debt scam that this company has been allegedly running. When I called their toll free phone number, their company 's rude telephone operator just told me " ... just pay the $ XXXX, fool! ... ''
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Company believes it acted appropriately as authorized by contract or law
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Aqua finance, financial systems of greenbay and there investors are increasing there harassment again. We are a little behind in our mortgage and I guess they think this a opportunity to incorporate there extreme harassment tactics. Since Monday were having problems with our cable service, we 're having major telephone harassment, on yesterday XXXX/XXXX/15 a truck driver driving a semi acted like he was going to run me over and yes he was looking directly at me! The harassment intensified on Monday and is still continuing. There trying to intimidate us into not paying our mortgage there by going into foreclosure and ultimately loosing our home. That was there goal from the beginning and in my opinion AQUA Selling us that defective equipment was a set up from the very beginning! We 're constantly reading various stories on AQUA 'S rip off and complaint web site that show that AQUA is using the same harassment tactics against people all over the U.S. Whenever I case ends up in court, we will reach out to as many of AQUA 'S victims as we can to testify. We will also get as much media as we can involved! We are n't abandoning our house and we wo n't be intimidated!
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Company chooses not to provide a public response
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To whom it may concern, I received an Escrow account disclosure statement and notice of new mortgage payment dated XXXX XXXX, XXXX. In the statement, the bank has attempted to forecast my escrow account for the 5th year of my mortgage. Technically, they have done it incorrectly because I have FHA Insurance that should be suspended in XXXX XXXX per the terms of the mortgage contract. However my concern is the current principal balance that is posted to my account at the company 's website. When the analysis was conducted and the statement sent, the company calculated a shortage of {$91.00}. They allowed for XXXX options, pay the entire amount with a resulting mortgage payment of {$800.00} or pay the shortage over the next 12 months in a new mortgage payment of {$810.00}. This would be effective for the period payment on XXXX/XXXX/XXXX. I chose to pay the entire shortage of XXXX with a resulting payment of XXXX, as I have done in the past. I adjusted my Excel workbook, calculated the payment, maximized my additional principal payment and submitted XXXX payments to the mortgage company. XXXX for the escrow shortage and XXXX for the required payment of XXXX plus XXXX in additional principal. Total payment for XXXX XXXX, XXXX was {$1100.00}. The current outstanding balance shows {$88000.00}. This is incorrect! Referring to my XXXX workbook shows this is different than expected, so I viewed the account summary which shows " Last payment received on XXXX/XXXX/XXXX {$810.00} " and shows " Next payment DUE ON XXXX/XXXX/XXXX {$800.00} '' and also shows transactions for the period. Here are the last transactions specific to the XXXX/XXXX/XXXX payment : Date, Description, Amount, Balance XXXX/XXXX/XXXX PMT REVERSAL {$0.00} {$88000.00} XXXX/XXXX/XXXX PMT REVERSAL {$91.00} {$88000.00} XXXX/XXXX/XXXX APPLIED FUNDS ( Details ) - {$91.00} {$88000.00} XXXX/XXXX/XXXX PRINCIPAL PMT ( Details ) {$91.00} {$88000.00} XXXX/XXXX/XXXX PRINCIPAL PMT ( Details ) {$280.00} {$88000.00} XXXX/XXXX/XXXX PAYMENT ( Details ) {$810.00} {$89000.00} After looking at these items, I see several mistakes and I am no banking consultant or mortgage analyst but I found it odd that the items do not match my Excel workbook which tracks my payments, as well as my outstanding balance, to include some other details. If I recall, I think that WFC is the largest holder of residential mortgage loans and would think that they would be able to correctly determine the outstanding balance of my loan. Maybe they are trying to make an arbitrage profit? I do n't think that it is fair that I have to watch my account to determine that there are mistakes being made.
In summary, on XXXX/XXXX/XXXX my required payment was XXXX. Effectively, my payment on XXXX/XXXX/XXXX was XXXX, the same as it is showing for the current month, due XXXX/XXXX/XXXX. WFC calculated my payment as XXXX for XXXX/XXXX/XXXX. In doing so, the outstanding balance is incorrect. I have not viewed the escrow account for discrepancies but imagine that there may be some.
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Company disputes the facts presented in the complaint
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Aqua finance, XXXX XXXX XXXX and there investment banks are still harassing us. We sent numerous complaints to your office through the U.S. Mail and also online. Just recently we started receiving responses from Aqua but for what ever reason we could n't see what Aqua had wrote and we used different computer devices but nothing would show. We started writing your department because our complaint would n't go through when we hit submit at the end our when Aqua replied, the system for whatever reason would n't allow us to dispute. This is another tactic by Aqua using there influence to manipulate the situation. Why would we submit a complaint of harassment as many times as we have and not follow up on them makes no sense! Aqua is getting caught in all types of lies. Aqua stated that financial systems XXXX are no longer working on our account, they just admitted to another lie. If your department pulls out all the information that we sent you, there is a correspondence print out that displays conversations between Aqua, the XXXX and ourselves. Aqua clearly stated on the correspondent that they Do n't Have Anyone Working On Our Account so with there on words they are caught in a XXXX and yes we have copies plural of that correspondence print out and we can always send your department another copy! Aqua wo n't even address the conversation involving the print out, they only address the pictures thinking they can explain there work vehicles constantly being around us XXXX following us XXXX. Aqua in there arrogance has forgotten that they told the XXXX that they do n't have any representatives in our region, once again another lie! If your department reviews our complaints and the evidence that we have sent you, this a clear case of felony harassment. Aqua also told the XXXX that they do n't deal in real eastate or mortgages and that they never have and they never will. Well I guess I can see the future, because if your department checks there web sit you will see that Aqua is in real estate, mortgages, car loans, business loans and even personal loans. In my opinion this makes them a much stronger company to harass people because they a lot of influence. We can send your department another print out of there conversation with the XXXX that proves that they are liars and are very crooked companies. Ever since we have been sending your office complaints, it has yeilded significant results, we have also sent the Texas ago at least XXXX written complaints over the last 4yrs. We appreciate all your help and if this has to go to court your departments wo n't be forgotten when talk to the media. A lot of lives have been ruined by these thugs and it 's time to, bring them and there collegues to justice. No one is above the law, we do n't care how much money or influence you have!
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Company believes it acted appropriately as authorized by contract or law
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XXXX XXXX at JMS Associaties told an employee about the debt, the amount owed, and who it is owed to.
He continues to call several times a day and emails several times a day even after speaking with someone and leaving a voice message.
I 've faxed a cease and desist letter to stop all contact immediately.
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Company chooses not to provide a public response
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My refi application process has stalled, my loan officer is not responding to emails.
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Company chooses not to provide a public response
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My Barclaycard Arrival+ account was shutdown without any warning or notice on XXXX XXXX, XXXX.
I had XXXX points available on that card valued at {$2100.00} in travel credit. I sent Barclaycard a certified, return receipt letter that they received on XXXX XXXX, XXXX asking for an explanation as to why my accounts were shutdown and to have them reinstated. If that was not possible, I asked to be compensated for my loss of points. As of today, XXXX XXXX, XXXX I have not received a response.
I feel that Barclaycard was deceptive in their advertising practices by allowing me to earn 2 % back in travel credit, and then closing my account without any notice, thus giving me no opportunity to redeem my points.
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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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been a customer for years. had a tenant default on a lease and have med ical bills so i paid my bill less XXXX dollars this bank charges XXXX dollar minimum interest which is nuts. it means i will use it minimally. i hate the greed reflected when i am told interest is valid i did not ask that i asked for it back. my business is valid and now can not conitnue. other banks give me money off my bill for loyalty this one wants XXXX dollars of interest despite my good status so i can not use it again. i await the refund. you need to spend mess time with scripts and ore getting to know customers. thank you please do not respond witha script or you already refunded me. i am aware of how itnerest works and your response need not include that explanation. i am now unable to use my card further as my time is better spent getting wealthy than fighting for interest wehich only you make me do. and in turn i can not use the card
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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 opened a chaecking account with bank of america. I had a loss of income and asked the bank to cancel my debit card out. They did not and they continued to allow a fraudlant charge to continue on my account resulting in fees. They closed my account bc of the XXXX in over drawn fees. They labeled my account as FRAUD. I have thus paid the matter. I am not able to open a checking account any where bc of teh FRAUD on my account. Can you help with me getting is removed?
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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 consented to a one time charge for my FICO score and was unfairly and deceptively enrolled into a program which had recurring charges to the amount of {$21.00} a month. When I contacted the company and told them I did not want or need this product, they cancelled the recurring billing but refused to refund my money. I have not used the product nor wanted it to begin with. I feel like they pulled a bait and switch on me and they do this to consumers all the time, earning {$21.00} out of each one while actually never providing any product or service.
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Company believes it acted appropriately as authorized by contract or law
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when I was unemployed I made my payment and it was fully paid
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Company believes it acted appropriately as authorized by contract or law
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Pressler and Pressler , LLP sent me a letter dated XX/XX/XXXX stating 1 ) they had been retained by XXXX XXXX, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified.
II. I responded on XX/XX/XXXX. In that letter, I asked Pressler and Pressler , LLP to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Pressler and Pressler , LLP approximately one week later.
XXXX. I also pulled down my credit report and saw that this debt had been charged off.
XXXX. I was served with a lawsuit on XX/XX/XXXX by Pressler and Pressler , LLP regarding this matter.
ISSUE : This firm stated they were retained by XXXX XXXX. That claim is patently false, since the debt was charged off. If XXXX XXXX was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector.
The statements made by Pressler and Pressler , LLP in the letter are fraudulent and misleading, and intended to intimidate. Further, Pressler and Pressler , LLP has extended this fraud into court.
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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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Talked to Bank of America representatives on XX/XX/2016 about refund of bank withdrawal on XX/XX/2016. It is XX/XX/XXXX, more than forty days have passed, they have not returned the XXXX $ back to my account.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I had an account closed due to a check that was written to me and they did n't have the funds. I paid the fees and was told I would be taken off of the XXXX. 3 years later they finally got around to getting that done, however, they did not tell me that they would keep me on the XXXX, which is owned by their institution. So I am still dealing with the same headache of not being able to open a checking account which is hindering my life and costing me a lot of money. I have tried appealing again to their fraud department with no luck. I do n't want an account with them, I just want to be able to move on with my life and they are preventing that.
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Company disputes the facts presented in the complaint
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someone stole my identity information and used it to create several accounts that i have protested because they are fraudulent I have a police report with the information as well as had to report to the ftc id theft affidavit notarized but this company is reporting this on my credit and trying to collect
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Company believes it acted appropriately as authorized by contract or law
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UNITED REVENUE CORPORATION IS REPORTING XXXX ACCOUNTS LISTED FOR A XXXX WHICH IS NOT ME. YET THEY KEEP REPORTING ON MY CREDIT REPORT WITH XXXX. I HAVE FILED A POLICE REPORT AND NEED THIS INFORMATION CORRECTED IMMEDIATELY.
ACCOUNT # XXXX
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Company chooses not to provide a public response
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On XX/XX/XXXX we tried to refinance our house. First time through XXXX XXXX.
It went well until they sent us a higher interest rate than we already had due to having a manufactured home. We decided to go to a specialized company locally XXXX.
We completed application and then found out XXXX was reporting fraudulent late 's. This was not an issue as I had proof they were lying, the problem came about when we looked at the credit report and XXXX Flagged me on a XXXX alert, without using the proper protocol. They flagged me based on some of my name and not the entirety. Never looked further than name. If you are familiar with XXXX, they should also look at birth date, mine XX/XX/XXXX, the person they matched me with was born in XX/XX/XXXX. Adresses where I lived. Never been near XXXX, the worse is I have been through nothing but XXXX since, still needing to refinance because XXXX is XXXX, they will never change and have caused so many health issues including a XXXX. I decided to write to XXXX and send it certified, along with my XXXX XXXX certificate, Ca Drivers License, ss card. I waited until XX/XX/XXXX and decided to get XXXX XXXX involved. After almost 11 months I have been exonerated from their Sanctioned list. The credit company that took did the reports were # XXXX XXXX XXXX, after sending them all documents mentioned above they removed it from my report. copies included. The company I am having problems with is Credco Corelogic, I sent them a complete package, they sent me back 2 letters, both requesting I call them. I have talked to them 2 times with no avail. they have refused to remove this fraudulent data off my report. If XXXX has exonerated me and I have and sent them documents certified, according to the FCRA they must remove this from my report. I refuse to insert a letter in my credit report explaining that they did not follow proper protocol. XXXX and then need to remove the fraud off my report, without destroying my credit score just like XXXX XXXX did. I have even been back to the XXXX company made copies for them and they refuse to help us. We need this completed, I have now been waiting 14 months to get rid of XXXX, I need them gone before they cause me another XXXX. I and my wife are permanently XXXX. I filed XXXX reports against them and nothing was ever done about them. I also plan to file a FTC this evening. If I get no results I will go back to XXXX, the one that got the XXXX removed. There is also a fraud credit pull on Credco report from XXXX XXXX, they have submitted a letter of removal and they also refuse to remove that. I have submitted all documents with this letter.
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Company believes it acted appropriately as authorized by contract or law
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Cable TV I returned equipment and paid what I owed. They have me in collection.
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Company chooses not to provide a public response
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Collision events caused negative w/ Bank of America . Constantly over drawn & " maxed-out '' both credit cards. BOA continued over drawn so keep collecting transaction fees. Worked w/ great manager at branch & able to get fees credited back so would not owe BOA so much money. Victim of fraud w/ BOA XXXX XXXX because online dating site, XXXX & ignorance. Person dating sent me money orders which BOA cashed & deposited. Used to pay bills etc. Receive call next day saying money orders counterfeit & account frozen. BOA insisted months & months needed to pay back over XXXX due to fraud & being overdrawn. I Worked w/ local police in XXXX XXXX XXXX FBI XXXX XXXX of XXXX. I repeatedly told BOA I could not pay & I felt not responsibility pay back considering everything. BOA RECENTLY IN XXXX wrote off approx. XXXX. However, filed w/ XXXX , third party, " Delinquent '' & BOA wrote off approx. XXXX. All financial Institutions use XXXX, XXXX XXXX , & XXXX XXXX. XXXX tied to XXXX . Went to open bank Account w/ different bank, told not open account due to XXXX ' Data provided by BOA . Told only BOA power send letter or update information to XXXX. Spent hour branch of BOA in XXXX w/ manager & Supervisor of Escalation Department of BOA via phone conference XXXX/XXXX/XXXX. Agreed considering all event etc. BOA would escalate " Letter of Good Standing '' in spite of history XXXX since customer since XXXX & in great standing until XXXX XXXX. " Letter '' received other day NOT letter & did NOT contain information agreed upon. Filed response complaint to BOA including parties involved phone conference XXXX/XXXX/XXXX. Re-submit request & send new " Letter '' reflects agreed upon. Since XXXX XXXX ; moved, bought car, good job, slowly paying debt, local attorney consult, negotiated w/ creditors etc. BUT, BOA keeps " XXXX '' around. Because of BOA, can not open any bank account, credit score good to horrible, ca n't get credit, using son 's bank account I am custodian to cash paycheck, buy money orders, pay bills & pay cash other items. Do this every two weeks. Ex-husband & I sale our land & house in XXXX, WA. Currently & finally sale pending. Explained to BOA provide letter, I can submit " dispute '' to XXXX release " bad '' report from BOA so open account for Escrow when sale closes XXXX XXXX. Told wanted account by XXXX XXXX. Told BOA after close house & have money, will repay approx. XXXX THEY WROTE OFF, STILL INSISTING upon. " cart before horse in order to give horse ''. Tired of financial Institutions " XXXX " American Public, especially right now. Told by banker reason power of XXXX & XXXX expansion of power due to expansion of power of Patriot Act which one reason Financial Institutions NO way over-riding & making decisions whether to open account. Patriot Act, REALLY, US citizen, born/raised, play rules, work hard, law abiding etc. XXXX year old divorced Mom,XXXX year old boy & being denied right open bank account, apply credit due to being victim of circumstances ; fraud to me by other & indirectly to BOA , divorce, & recovering from recession. What entity over sees XXXX & XXXX ? America? America has become ; considered " delinquent '' by BOA, possible terrorist to Financial Institutions, risk to Banking System. REALLY. Only risk expanded power of Patriot Act, XXXX, XXXX , Financial Institution. XXXX Bless America. I need assistance, direction, advise, information, CHANGE & BANK ACCOUNT. Thank you in advance for your assistance. I look forward to your response.
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Company chooses not to provide a public response
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Both my husband and I have tried to order our credit report from the XXXX website. Both attempts ended in an error or the report not being available. My request was for Experian and my husbands was for XXXX. Please correct this problem so we can get copies of our 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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Experian is not responding to my request to investigate and correct accounts in my credit report that are reporting incorrectly.
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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 several accounts that are NOT mine reporting to Experian. In addition my name is not correct with Experian either. I 've sent documentation proving my identity several times over the past 5 months and Experian is not complying with my demand to remove this erroneous information from my credit profile. This mis-reporting information is causing me much grief and frustration. Clearly I am NOT XXXX XXXX as they are reporting me as. On XXXX XXXX & again on XXXX XXXX I sent letters of dispute with all Identification documentation provided. There are several delinquent student loan accounts reporting falsely in my credit profile. I have confirmed with the Dept of Ed several times and they are in agreement these accounts are not mine. These accounts were deleted from my profile with XXXX and XXXX properly already. Experian is now the last credit bureau not in compliance.
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Company believes the complaint is the result of a misunderstanding
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On Wednesday, XXXX XXXX, 2015, I agreed to a settlement with Cashnet USA for a loan I foolishly got several years ago. The agreement was to pay {$250.00} from my debit card that ended with XXXX on XX/XX/2015. I received a reminder e-mail about the arraignment on Monday, XXXX XXXX, 2015, and so in an attempt to be proactive I went to their website and made a one-time payment of {$250.00} using a different debit card.
I ignorantly assumed that they would receive the payment, close my account, and leave me alone without me having to call them back but I was wrong. Their " system '' should have been smart enough to do that.
Instead, they charged the debit card that I used Monday for an addition {$250.00} today, although I have XXXX e-mails stating I authorized them to only debit the card ending in XXXX, not any other card. When I called them, they contend that since I used a different card Monday that their " system '' updated my profile to that card and voided the original agreement that listed the card ending in XXXX as the card that I wanted to use, even though they sent me no notification to that effect. The ridiculous part about that contention is if the system is smart enough to update my records to a card I did not authorize to be used on the XXXX then the system should have been smart enough to know that I had already made the payment on the XXXX to satisfy my agreement.
The use of XXXX credit card does not automatically entitle that company to void an existing agreement to use another card at a later date, and this is simply an attempt to steal more money from me.
I want the {$250.00} back that they stole from me by debiting a card that I did not authorize them to use. This is a very deceptive business practice and they should discontinue it immediately. They should not be able to hide behind " systems '' when debiting accounts. I believe they simply are using this as an excuse to try to bill people money that they did n't agree to pay. This is quite despicable!
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Company believes complaint represents an opportunity for improvement to better serve consumers
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My wife and I purchased our home XX/XX/XXXX for {$350000.00}. Since that time we have made timely payments each month and made significant improvements to the home. By XX/XX/XXXX mortgage balance was slightly less than {$290000.00}, while the market value of the house increased to somewhere between {$400000.00} - {$450000.00}. The mortgage has been held by multiple banks since inception, and was held by Ditech Financial XX/XX/XXXX, when we made a written request to cancel the PMI, based on the principal balance to market value ratio.
In response to the PMI cancellation request, Ditech contracted with local Realtor XXXX XXXX to perform a Broker Price Opinion ( BPO ). XXXX XXXX came to the house to evaluate the property, and orally stated to us that it would " easily value at {$400000.00} or more ''. However, it is apparent that Ditech then communicated with XXXX XXXX about the principal balance left on the mortgage, and which time she returned a BPO with a value of {$380000.00}, several thousand dollars below the amount needed to cancel the PMI.
Several facts make it clear that the final BPO was manipulated. Firstly, the BPO listed XXXX comparable sales, and in XXXX of the XXXX comparables the " Adjusted Price of Subject '' was significantly above {$380000.00}. The only comparable that set an " Adjusted Price of Subject '' less than {$380000.00} was 'Comparable # XXXX ' ( {$380000.00} XXXX and this property is located in an entirely different county, in less desirable school districts. Looking at the " Adjusted Price of Subject '' of the other XXXX comparables, the average figure is {$400000.00}. Even including Comparable # XXXX, the average figure would still be over {$400000.00}. Additionally, the Realtor selected XXXX comparable as being " Most Similar to Subject ''. These XXXX properties established " Adjusted Price of Subject '' values of {$430000.00} and {$390000.00}, for an average of {$410000.00}.
Finally, the " Additional Comments '' section of the XXXX undermine the final determination reached by the Realtor. In this section ( page XXXX ) the Realtor notes the extensive upgrades made to the property. She expressly listed the major upgrades made, and notes " Upgrades equal to {$48000.00}. '' Given these upgrades, and the purchase price of {$350000.00}, even if the property did not increase in value since purchase ( which it undoubtedly has, as has every property in our neighborhood ) then fair marker value of the house would still be around {$400000.00}. Please note that all of these values listed above are greater than the {$380000.00} value listed in the BPO, and all of these other figures would have resulted in the cancellation of our PMI. Finally, while it may or may not be relevant the Realtor who conducted the PMI was the exact same Realtor who represented the seller when the purchased the house XX/XX/XXXX. She knew or should have known the value of the house at that time, and undoubtedly is aware that prices have increased in the neighborhood since we bought our home.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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XXXX XXXX XXXX collection agency added a brand new collection to my credit report with a date of XX/XX/XXXX for an amount of {$6100.00}. This original account charged off 7+ years ago and this collection dropped my score XXXX points. I demand they remove this debt from my credit report and stop attempt to collect on it.
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Company chooses not to provide a public response
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On XXXX/XXXX/16 I contacted US Bank to request payofff amount for my US Bank HELOC. On XXXX/XXXX/16 sent check via USPS Certified Mail for payoff amount as of XXXX/XXXX/16. USPS shows check delivered on XXXX/XXXX/16. Check not cashed as of XXXX/XXXX/16, called to inquire, was told checks take 3-5 days to process, would not be charged the per diem ( {$16.00} ) for the processing time, account would be {$16.00} each day for the 2 late days ( payment was sent for payoff as of XXXX, but USPS Certified Tracking shows delivery on XXXX ). As of XXXX/XXXX/16, check still not cashed. Called to inquire evening of XXXX/XXXX/16. Was told check was submitted for incorrect amount ; check had been returned to me in mail that day. US Bank held the payoff check from XXXX through XXXX, never tried to contact me. US Bank claims the per diem of {$16.00} is owed for each day they held the payoff check ( XXXX x 9 days between XXXX and XXXX ). Check was written for payoff date of XXXX, and I should pay {$16.00} per diem for the 2 days after payment was made. It appears US Bank deemed the check to be insufficient to pay off the loan ; did not submit the check for payment ; held the check for 9 days without contacting me, all in an effort to hinder paying the loan off in order to continue collecting the {$16.00} per diem. This action is underhanded and should not be allowed.
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Company believes the complaint is the result of a misunderstanding
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XXXX XXXX, XXXX To whom it may concern, On XXXX/XXXX/XXXX we received a debt collection letter from Credit Collection Services, however ; the debt was paid on XXXX/XXXX/XXXX. The debt was paid to XXXX, also known as XXXX ( according to XXXX ). In XXXX of XXXX I called XXXX at XXXX and made a payment for account # XXXX with a XXXX credit card ( see attached statement ). The account was previously handled by a company called XXXX XXXX. In XXXX on XX/XX/XXXX I received another collections notice from XXXX and I called and spoke to XXXX on XXXX/XXXX/XXXX, she assured me everything was taken care of and to disregard the notice, confirmation # XXXX. As mentioned at the beginning of this letter, in XXXX of XXXX my husband received a collections letter from Credit Collection Services for the exact same amount and file number and he paid the outstanding balance AGAIN, because I was not home and he thought the charge was legitimate. I would like the letters to stop and I want to make sure CCS refunds my husband 's XXXX XXXX Credit Card immediately. The charge is for services rendered in XXXX of XXXX by XXXX XXXX, therefore ; there are no other outstanding bills because these are the only services rendered on such date ( see attached claim ). We hope this gets settled ASAP.
XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 initiated a balance transfer over 6 weeks ago with my credit union to pay off my Citi Card account. Citi has subsequently refused to apply the payment. I have been fighting with them for over a month. First they claimed they did not receive the check, when I provided proof that they did ( and deposited it ) they then claimed they could not tie it to my account. When I pointed out that the copies of the check clearly show my correct information they made me send information to payment investigations. Two weeks ago it was confirmed by Citi that the payment was located and would be applied to my account. It still has not been and they refuse to give me further information. Meanwhile I cancelled all of my autopayments with them and confirmed it with a representative. Two weeks later they are claiming that I did not do so and they will not allow me to do so. They are stealing my money.
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Company chooses not to provide a public response
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My loan was apparently sold from XXXX XXXX to Loan Care XX/XX/XXXX. I have for the last 25+ years had my taxes escrowed and received the check XX/XX/XXXX to pay them before XX/XX/XXXX. At XXXX time I contacted Loan Care and asked about my check for taxes. They were going to look into it and get back to me. I again called before the first of the year and they told me they were waiting to receive the tax bill from my municipality Treasurer. I spoke with him and he said that was not a true statement and I was the only person they send the bill to. I again called them and they again said they would look into it and get back to me. Again, they never got back to me. I called after the first of the year to get the same song and dance from them. This time I wrote down the persons contact number and she said I had to send a request to change my escrow because it was marked to be paid to me XX/XX/XXXX. I talked to my mortgage lender that I does my financing and he said in his 20+ years he has NEVER checked box XXXX to have anyone 's escrow paid in XX/XX/XXXX and they were lying with the statement they gave me. I did send the email requesting they change my escrow to be paid to me in XX/XX/XXXX and I have a copy of it. They were to get back to me and of course they did not.
I filed a complaint with the XXXX on this company and I was told that they would respond again within 10 days, that was now over three weeks ago and I have not heard a word from anyone. After talking with an attorney, I was recommended to contact you about my situation. My mortgage lender told me he was getting several complaints from others who had the same issues with the same company " Loan Care ''.
I have busted my XXXX to maintain a perfect credit rating even with the divorce I went through three years ago. I had to personally pay nearly {$3000.00} in taxes out of my savings to avoid being delinquent this year. I have still not received a phone call or a check from Loan Care and they also have my insurance in escrow so I can just imagine how that is going to play out next month. I hope you can go after these people and fine the XXXX out them for what they are doing to the consumer. Please help me get my money back from them and I hope you can put an end to their unethical practices!
Sincerely, XXXX XXXX XXXX
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Company chooses not to provide a public response
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The purpose of this complaint is based on a rejected loan application to the following : THE CASH STORE - # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX Application was completed in person on XXXX XXXX XXXX at XXXX and was rejected.
Previous application was submitted on XXXX XXXX XXXX and was rejected.
Demographics for the applicant are the following : XXXX Veteran, XXXX XXXX income only XXXX, over XXXX, no XXXX.
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Company chooses not to provide a public response
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I took out a loan from XXXX Boulevard Cash '' back in XXXX 2015. Unfortunately, due to circumstances, I have not been able to re-pay the loan. While I understand this is a debt that must be paid, I can not make the payments right now. I have communicated that to the debt collector " XXXX XXXX '' who calls me on a weekly basis to follow-up with my status. Back in XXXX 2015, XXXX XXXX started calling my work daily and would give information to my colleagues. Since I work at a XXXX, the debt collection calls at work were inappropriate and I contacted Boulevard Cash to stop calling me at work. They agreed to remove my work phone number. However, today, I received a voicemail from Boulevard Cash at my work number. XXXX XXXX was following up on the same debt that has been pending with Boulevard Cash. I have asked for him to provide me IN WRITING with the debts that are owed. He stated on XXXX different occasions that he would and I sent an e-mail to " XXXX XXXX '' to give me the debts in writing as well, with no luck. I would like Boulevard Cash to be made aware that they CAN NOT call me at my work number. The only number that I should be contacted at is my cell phone number, which is the number they already have on file : XXXX. Thank 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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This company knowingly did business with a company that breaks the law and violates people 's rights under the FDCPA. I demand they remove any information from my credit report.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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On XXXX/XXXX/2016 I applied for a citibank double card. On XXXX/XXXX/2016 I received the card. before i got the card.my credit score was XXXX equifax.On XXXX/XXXX/2016 my equifax score dropped to XXXX XXXX/XXXX/2016 i paided the balance off. one week later my credit score dropped again to XXXX. On XXXX/XXXX/2016 I paided the balance off. Again it dropped to XXXX on XXXX/XXXX/2016. On XXXX/XXXX/2016 I canceled the card I was worried It would keep dropping.All I wanted to do was to get my credit score to XXXX so I could get the best deal on a mortage now I have to pay points
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Company believes it acted appropriately as authorized by contract or law
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I received a netSpend prepaid MasterCard in the mail for which I never completed an application. I have never dealt with this company and do not know how it has my information. Additionally, the card was sent to the temporary address where I am living, which makes me even more suspicious of the company and the offer. A XXXX search showed many other complaints about this company and the fees charged for everything from checking your balance to using the money you load or have deposited on it.
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Company believes it acted appropriately as authorized by contract or law
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I paid XXXX for a notary renewal course. They did not send me the link in a timely fashion and I had to file a complaint with XXXX. Once the complaint was filed, XXXX sent me the link to the course and filed proof of said with XXXX, so the complaint was closed and my payment was sent through XXXX to XXXX.
I completed my course and sent the necessary proof of completion to XXXX and requested that they send me, via email, my course completion certificate so that I could take my XXXX XXXX exam.
XXXX informed me that they would not be sending me my Cerificate, claiming that I had dishonored the payment/not paid them and that they had sent the bill to a collection agency called Fidelity Creditor Service.
I called Fidelity Creditor Service and told them the urgency of the situation, as my income will stop if I am not able to renew my notary license. I spoke with XXXX at XXXX and advised him that XXXX would not release my certificate until the collection agency told them I had paid the account ... ..the account that never should have been placed with collections in the first place. XXXX said it would take 48 hours to clear up, and we began to argue as I felt this was unacceptable as this should have never been sent to collections in the first place and because I was going to have to reschedule my notary exam if I did not receive this certificate asap. XXXX then told me that if I faxed the document over that, " oops, we did n't receive it. '' would happen. At that time I then asked him to provide me an email address as well so that I would have double proof that I had sent the info over. XXXX refused to provide me with the email address and again made sure that I knew that anything I sent by fax would some how not be received.
I called back 11 times and left messages with XXXX and spoke with another person named XXXX and neither of them would provide me with an email address to send the proof of payment to, since XXXX had made it abundantly clear that anything I sent by fax would be intentionally lost.
This collection agency has been informed that his account was placed with them maliciously and is refusing to accept the proof that the account should have never been placed with them and has blatantly told me that anything I fax over will be conveniently lost/not received. My account number with them is XXXX.
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Company believes it acted appropriately as authorized by contract or law
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Ditech ( they are really still Greentree, XXXX rebranding should not work! ) has not sent me confirmation of my XX/XX/XXXX payment, sent XXXX/XXXX/16 via my Bank 's Bill Pay System. I made this payment early since I knew Ditech is " upgrading '' their website starting XX/XX/XXXX ; it will be down until XXXX XXXX! I have no way of knowing if Ditech got this payment, and they do not respond to emails.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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When I requested my free credit report from Experian, I paid what I believed to be a {$1.00} fee to obtain my XXXX digit credit score. What I did not know was that Experian also enrolled me into a {$21.00} monthly " membership '', which I still do not even understand what the purpose was. I was charged for two months service without noticing the charges, and finally noticed and requested a refund. The company took several days to respond to my request to cancel the membership, and only refunded XXXX of the XXXX charges.
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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 requested a credit report for all XXXX of the credit bureau report on my credit. XXXX and XXXX has my score at XXXX when I check Experian they report my credit at XXXX, which is over XXXX points difference from the other XXXX bureau. I wrote them a letter 30 days ago and still have not received a response. The reporting is creating havoc on my qualification for credit. The selection above does not match my issue with Experian
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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Several years ago I had fraudulent charges on my citi card # XXXX and Called to cancel my card and dispute the charges, however CITI failed to remove unauthorized charges or help me to resolve this fraud issue and left me in full responsibility for the purchases I did NOT make or authorize. In order to save my credit from being damaged even further I agreed to installment payment via auto pay to CITI which I have been paying for serveral years now ( see attached proof ) however citi STILL reports this account as a charge off on my credit report EVERY MONTH which causes further damage to my credit on the monthly basis even though I 'm paying on this card every month as agreed ...
Please help me take this off my report! my numerous attempts to deal with citi went ignored and I always end up being transfered to one person to another and they eventually hang up on me..
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Company chooses not to provide a public response
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Fraudulent activity occurred in my Bank of America account on XXXX XXXX, 2015. I called the bank immediately after I received a text alert from them. I told them that the money in question was not mine. I told them that I only had about {$21.00} and had neither deposited XXXX dollars nor had I withdrawn {$300.00}. Everything seemed to have been taken care of but on XXXX XXXX BOA took my {$20.00} and caused me an overdraft of {$270.00} XXXX by reversing the XXXX temporary ) {$300.00} credit from my account ). I did not give my pin to whoever accessed my account. I am a struggling student and I need my $ XXXX that they have 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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On XX/XX/2015 I initiated a wire transfer from my personal bank account at XXXX in XXXX, XXXX to a business bank account at Wells Fargo Bank in XXXX XXXX, XXXX. Not long after I initiated the wire transfer process, I received a telephone call from the Wells Fargo Fraud Unit informing me that I am probably the victim of fraud and that I should contact my bank ( XXXX ) immediately to have the wire transfer stopped and/or recalled ; due to the 6-hour time difference I was not able to contact my bank until the following morning when they opened. The Wells Fargo Fraud Unit did not take any steps to stop or intercept the fraudulent wire transfer that they called me about!
I sent the money to : XXXX XXXX. XXXX XXXX XXXX XXXX Attn : XXXX XXXX Phone ( XXXX ) XXXX Wells Fargo Deposited to : XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, XXXX XXXX ( XXXX ) XXXX I immediately filed a felony criminal complaint with the XXXX Police Department via telephone and they have since arrested and charged XXXX XXXX with felony fraud. I have been working steadfastly with XXXX trying to resolve this issue and to get Wells Fargo to refund my money via reverse wire transfer since Wells Fargo identified the wire transfer as fraud, recognized that they were depositing into a personal account instead of a business account and that the account holder 's names were not the same and did not intercept or place the wire transfer on hold until it could be verified. Unfortunately, Wells Fargo bank has given me nothing but lip service and the run-around and wasting my time while I tried to resolve this amicably. My bank ( XXXX ) wire transfer department has sent the Wells Fargo bank no less than a dozen secure XXXX messages trying to recover this money that they put into the wrong account. However, Wells Fargo has completely ignored my bank and refused to even respond to them too.
I am attaching a true copy of the original wire transfer instrument to this complaint. Please investigate and make Wells Fargo bank follow the rules and refund my money.
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Company chooses not to provide a public response
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XXXX denys me access from my computer. Message that comes up is : " The XXXX website is not currently available at your location. Visit XXXX orwww.consumerfinance.gov/learnmore/ to learn how you can request your free U.S. credit report by mail. '' Called phone number - no live person ; called FTC - no live person ; called CFPB-spoke with 'XXXX ' who said the site should allow me access to obtain my free credit report. I live in XXXX, am a U.S. citizen and my computer and ISP is currently located in XXXX XXXX. I can not access the creditreport site. Furthermore, when I tried to register on this site ( CFPB ), my request for a password did not work and I received no email at the address I entered ( which is a good, working and legitimate address. ) I have no U.S. mail service in XXXX. We are moving back to U.S. in XXXX. There are many items on my and my husband 's reports that need work before we return. The only way I can receive is to obtain via email. I need this information as soon as possible. Can you help? Thank you.
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Company believes it acted appropriately as authorized by contract or law
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i keep getting phone calls from a debt collector for kay jewelers, today they have called 10 times today and when i do n't answer they keep calling from different numbers. they then call private and if i answer they hang up and i instantly get a call with the number showing. it is beyond harassment when i ca n't focus in class because my phone keeps buzzing every 10 minutes. i also make payments when i can, i explained to them that I am currently not employed but whenever i get money i put something down so i do n't understand the harassment.
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Company believes it acted appropriately as authorized by contract or law
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They claim this amount due was for a bill incurred during XXXX. However, I have went back many years on my credit and had seen where several collections companies have passed this around. I called and asked if this debt was time barred and they stated they had no idea what that meant and refused to even acknowledge the terminology. I then called the company of who the debt is owed and after much time they determined this debt was from XXXX and written off. Well passed the statue of limitations. The company where debt was owed agreed with me and is sending them a letter to show account balance owed XXXX and they did not hire them to pursue this further.
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Company chooses not to provide a public response
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XXXX denys me access from my computer. Message that comes up is : " The XXXX website is not currently available at your location. Visit XXXX XXXX to learn how you can request your free XXXX credit report by mail. '' Called phone number - no live person ; called FTC - no live person ; called CFPB-spoke with XXXX who said the site should allow me access to obtain my free credit report. I live in XXXX, am a XXXX citizen and my computer and ISP is currently located in XXXX XXXX. I can not access the creditreport site. Furthermore, when I tried to register on this site ( CFPB ), my request for a password did not work and I received no email at the address I entered ( which is a good, working and legitimate address. ) I have no XXXX mail service in XXXX. We are moving back to XXXX in XXXX. There are many items on my and my husband 's reports that need work before we return. The only way I can receive is to obtain via email. I need this information as soon as possible. Can you help? Thank you.
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Company believes it acted appropriately as authorized by contract or law
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PCMB company deceived my mother Monday XXXX XXXX 2016 in the XXXX. stating I left them her number to reach me at. which is a lie I spoke with them on XXXX XXXX 2016 stating I will resolve issue on Monday XX/XX/XXXX once I move money and that I will call them back. I know its against the law for debt collectors to call my mother she has nothing to do with my accounts. I think the should pay debt owed themselves to card company on my behalf for deceiving my mother which has nothing to do with this debt.
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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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A time share scam took place and I was taken for a lot of money, I spoke with CITI and if you look up the charges and all the articles related to the charges which is easy to do using XXXX one can see these are fraud. I have been dealing with this situation for many years, my wife recently passed away and now I need to make financial moves and due to this I am unable to. Please help
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I set up my on-line account with my Bank of America [ XXXX XXXX XXXX ] account to withdraw " the amount due '' from my account each month, meaning ( I thought ) the statement balance. For three months in a row Bank of America only withdrew the minimum payment of {$25.00}, and charged me interest on the unpaid balance.
Each month I called and asked them to correct it, and they reversed the fees. This month I called to complain and a courteous employee explained that " amount due '' on their website options meant " minimum payment plus fees and interest. '' That is not the ordinary meaning of " amount due '' and no previous employee had bothered to mention that to me. I believe this is a strategy to prevent people from paying off their balances when due and incurring expenses interest charges.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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This is the second month I 've called WF to discontinue a monthly email for their new Go Far rewards program. There is no option to unsubscribe on the email, I then called the customer service number provided on the email, that customer service could not help me opt out so I was then transferred to Premier help line, they could n't help me then I sent to online banking help line, they could not help me so then they sent me to credit card customer service and then the line disconnected, I then call the credit card customer service directly and had to wait 9 minutes to talk to someone. I finally reached a credit card representative, they too could not help me, I was then transferred to the rewards customer service line. They too could not help me, I was told I could n't opt out receiving this news letter only, my only option is to discontinue receiving all email communications from the bank which is ridiculous because I hold my checking, savings, mortgage, HELOC, XXXX account too. Finally, I was required to re-authenticate every time I was transferred so I had to authenticate myself a total of five times. I thought by law that the email has to provide a way to unsubscribe from communications I do n't want to receive. I went through this exact horrible experience last month, I called on XXXX XXXX and was promised from the last person I spoke to that I would be opted-out.
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Company chooses not to provide a public response
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I REQUEST MY FREE ANNUAL CREDIT REPORT FROM XXXX AND I PUT ALL MY INFORMATION AND AT THE FINAL STEP WHEN I DESIRE VIEW AND PRINT IT THE PAGE DID NOT GIVE NOTHING, I ENTER AGAIN AND THEY SAID ME THAT I ALREADY HAVE RECEIVED MY CREDIT REPORT AND NOW I SHOULD BE PAID FOR A COPY.
PLEASE, HELP ME
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Company chooses not to provide a public response
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Complaint : Citigold checking account service denying my {$400.00} Cash Bonus On XXXX XXXX, 2015, I open a Citibank 's Citigold checking to earn {$400.00} Cash Bonus with promotion code XXXX through XXXX. The promotion requires 1 ) Open a new consumer Checking Account in The Citigold Account Package by XXXX/XXXX/2015. 2 ) Make an eligible deposit of {$50000.00} or more in new-to-Citibank ( R ) funds into their new Checking or new or existing Savings Plus account within 30 days after account opening. 3 ) Maintain a minimum of {$50000.00} for the next 30 days to receive their bonus.
I received the welcome package on XXXX XXXX, 2015 and mailed the signed signature card back to them on XXXX XXXX, 2015. On XXXX XXXX, 2015, I made a deposit of {$51000.00} into my new Checking in their XXXX XXXX branch and the deposit of {$51000.00} was soon shown in my online account page.
On XXXX XXXX, 2015 when I randomly browse my online Citi bank account, shockingly I found that the balance became XXXX on XXXX XXXX, 2015 through Teller Withdrawal, which I did not authorize. After I contacted Citibank customer service, I was informed that my account was closed by bank end department and they authorized the withdrawal and a cashier check was sent to me. I was directed to New Account Servicing for the explanation of the closing of my account. I was told that it was due to an error on my signed signature card. While identifying myself as the primary owner of the account and sign it, I accidentally checked a box for additional user and signed my name next to it. I was told because of this error, my account was closed.
I need to point out that I mailed the signed signature card on XXXX XXXX, 2015 and made the deposit on XXXX XXXX, 2015. In other words, the signed signature card should have already arrived before I made the deposit. But I was not notified any problem with my account when I made the deposit. One may debate that their New Account Servicing does not review signed signature cards that fast. I understand if it may take several more days. However, it took them 25 days to identify the error.
One may also debate that I need to wait until my signed signature card is approved before I made the deposit. Their {$400.00} promotion requires that I need to make an eligible deposit of {$50000.00} or more into my new Checking or new within 30 days after account opening. My account open on XXXX XXXX, 2015 and their identified the error on the signed signature card on XXXX XXXX, 2015, which is after 30 days. I would have missed the promotion window. In addition, in their welcome package, they did not specify I should wait until my signed signature card is approved before I made the deposit.
My point is that since the {$400.00} promotion requires 1 ) Open a new consumer Checking Account in The Citigold Account Package by XXXX/XXXX/2015. 2 ) Make an eligible deposit of {$50000.00} into their new Checking account within 30 days after account opening ; 3 ) maintain a minimum of {$50000.00} for the next 30 days to receive their bonus, I satisfied the first XXXX requirements. I do not satisfy the third requirement by 5 days because they took the liberty to close my account. This action makes me suspect that they close the account deliberately right before I satisfied the third requirement in order to avoid paying the {$400.00} cash back which I deserve. It also reminds me of the so called error that I made on the signature card. If I checked an extra box, I put my signature there, not somebody else. What problem does that constitute? Even if my error voids the signature card, they could have contacted me and send me another card to sign. How does that cause the close of the account? Even if they need to close my account, why did they keep my money so long? I also read on the internet that there are similar cases occurring with their Citi gold promotion, which make me suspect that they use this as a strategy to avoid pay {$400.00} cash back.
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Company chooses not to provide a public response
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After the financial institution closed my savings account which was used a overdraft protection, charged me enormous amounts in returned item fees - they transferred all the monies that were in the Savings account to checking. If this action was taken before all the fees were incurred, I would not have been charged {$280.00} returned item fees. This is clearly poor accounting procedures. This also proves the bank 's action were for capital gain only. The bank has yet to prove the Savings account that was closed exceed the XXXX per month transaction by law on a habitual basis.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I received XXXX fraudulent charges posted on my Macy 's credit card on XXXX/XXXX/2015 for a total of {$17.00}! Over 6 months later I still can not get this resolved after numerous calls to the Fraud department, credit department and many faxes. I called immediately when I received the first bill and was told not to pay the bill, instead to fill out a Statement of Fraud. I did that, but kept getting bills each month for more and more money because of finance charges and late fees. The {$17.00} is now {$230.00} due to all fees they have charged. I call every month and they tell me not to pay it, not to worry and have said it is not with collections, but they call my house at least 3-5 times a day,7 days a week, and tell me the only way they 'll stop calling is if I pay. I can not get them to remove the charges, or stop calling. This is horrible. I know the card was not used by anyone because it was in a safe in my house. I want something in writing from them saying this is not on my credit report.
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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 approximately XXXX during the credit financial crises the credit card companies greatly increased their APR rates. Card holders were given the choice of accepting the higher rate and keep the account open or to opt out of the higher rate and keep the original lower rate that would be fixed for the remainder of the balance owed and the account would be closed with no further credit allowed on that account. I opted out and had a fixed rate of 5.99 % on the balance owed and the account was closed to further credit. I was charged the rate of 5.99 % on the balance owed until XXXX XXXX. In XXXX XXXX the rate was bumped up to 6.24 % which I have been paying ever since. I called CITI Cards to find out why this higher rate is being applied to my balance as it is supposed to be fixed at 5.99 % for the remainder of the balance owed. Their statement was it was not their doing, but because the Federal Government raised the prime rate 1.25 % and this has to be passed on to the consumer. I called the CFPB and was told there was no such record of that happening or any reason for the card company to raise the rate that was supposed to be fixed on old balances. I would like to know if it is legal for CITI Card to raise the interest rate on an old balance from an account they closed in XXXX with the agreement that the balance of the amount owed would be charged at 5.99 % fixed when the card holder opted out of the higher rate out back in XXXX.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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Wells Fargo Dealer Service inaccurate reporting to the Credit Reporting Agency about, late Auto payments, no insurance and harassing phone calls. Wells Fargo Dealer Services has been calling me at 3 times a day for about a month or so ago. They allege that I owe them money, extra money and increased the balance owed on my auto. I have not missed a single payment ever since I got the car loan through them. I requested a deferment on my pay in XXXX XXXX, they granted my request. They have claimed that I do not have full coverage auto insurance, and that is why they believe I owe them money ; when again this is incorrect. I have submitted proof of insurance online, through a website they provide, as well as over the phone. The website is very difficult to manage due to the site off and on malfunctions. I spoke with the customer service representative multiple times about what they need to correct. This did not resolve the issues and even though Wells Fargo sent me documentation stating that my Insurance policy was updated and effective since XXXX XXXX XXXX Wells Fargo still reported me late for the month of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. When I call to explain the errors made by WFDS the customer service gives the same update stating that they will not the file. Now because of WFDS inaccurate reporting and attempting to add fees has caused a chain reaction when applying for a place to live for my XXXX children and myself. I feel this is a great deceptive pratcice used by Wells Fargo Dealer Services.
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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 deposited {$1200.00} ( XXXX checks ) in my checking account on XXXX/XXXX/2016.
I received a letter from the bank ( Sun Trust ) dated XXXX / 2016 along with a copy of my deposit ticket ( both sides ) showing that they received and credited my account in the correct amount, but stated that they debited my account in the same amount for " items not included in my deposit '' I was confused and waited for my monthly statement. When I received this it showed both the credit and the debit.
I have spoken to several of he employees at the bank bank several times and each have said they need a week or so look into this.
As of today I still have not received any explanation as to actually why they debited my account.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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Selling a mortgage that is in a remic that has no filings with the sec ever I want some answers?
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Company believes it acted appropriately as authorized by contract or law
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Robo calls to my home phone XXXX XXXX XXXX looking for XXXX XXXX .... I have no contact with XXXX XXXX and want nothing to do with these calls. I followed prompts to enter my number to verify that I was not the person they 're looking for and the calls continue each and every single day from Credit Protection Association - most recent # call came from is XXXX. I am on the Do Not Call registry, owe no debts and want the calls to STOP please. Thank 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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Someone used my personal information and identity to obtain services. I did not create this debt. I am a victim of identity theft. I have reported this to the police and have tried several times to have the collection agency to correct their records. They continuously ignore my dispute and verified this fraudulent account with the credit bureaus. I have sent them certified letters, ID theft police reports and disputes to the collection agency and credit bureaus. They continue to report this fraudulent account and violate my FDCPA, FCRA and Rosenthal Act. This has given me great distress and the fraudulent reporting is damaging my good credit. I contacted the collection agency via mail to the address that is provided on my credit report the letter came back to return to sender. Syndicated Office System is well are that this account is fraudulent and still verifying it with the credit bureaus. I called and talked to their office supervisor who on a recorded line said they did not need to reply to the credit disputes. I have sent a second dispute to them and consulted with an attorney about this ordeal.
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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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Back in XXXX I sent a CEASE & DESIST LETTER to General Revenue Corporation for the said XXXX XXXX - Online debt. I also explained to them per the letter of separation provided from XXXX I have no debt owe to them or me. This is legal document stating that. In XXXX XXXX sent this same debt to another debt collector and when I fax that debt collections company the letter of separation they agreed that they cant do anything because of the letter of separation. Now once again in XXXX of XXXX I received another letter from GRC attempting to collect on a fraudulent debt. As stated above I sent a letter of CEASE & DESIST back in XXXX and on the phone dated XXXX XXXX XXXX I was told that my account will be placed in CEASE & DESIST but I received another on XXXX XXXX of XXXX after I already asked in XXXX for GRC to CEASE & DESIST communications with and again on XXXX XXXX of XXXX I was told that they would CEASE & DESIST communications with me. At the end of the day the debt is not mines and if I did owe any money to school why would n't they have taken out of my check if I owed them since XXXX and I was still employed there till XXXX of XXXX? If I owed them money AGAIN WHY DID'NT TAKE IT OUT OF THE SEVERANCE PACKAGE THAT I RECEIVED???? XXXX is harassing me know and this needs to stop. I have shown proof that XXXX can not collect on this. I show proof that the debt is bogus because it has no type of late fees and or collection cost. They know this is some XXXX and GRC should leave me alone.
I have attached the dispute from XXXX and all documents along with a screen shot of the recorded phone between GRC and I. I have attached the letter I sent to XXXX XXXX stating the reason why this debt is not valid. IF you do n't stop and I mean never contact me again, I will seek legal representation and provide them with all the legal documents, files, statements from former XXXX employees and file harassment charges against GRC with GEORGIA ATTORNEY GENERAL OFFICE and US Government.
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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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XX/XX/XXXX my debit card information was stolen and someone racked up about {$2000.00} worth of charges on MY CITIBANK checking account. when I went into the bank and explained my situation to the banker they told me they would investigate and my money would be refunded within 7 to 10 days. I went back to the bank weeks later and still no refund. I spoke with a representative from Citibank and she told me they sent me a letter in the mail that I never received that stated they were denying my claim and were n't going to refund my money to my account because it appears i racked up charges myself, she told me I needed to file a Police report and there 's nothing she can do. So I filed my Police report like she told me with an officer named XXXX, XXXX. in his report he states that he received survailance from one of the ATM 'S i had claimed to never been to before and found that somebody else was in fact at the ATM using my information. I went back to CITIBANK to submit the police report. the woman helping me told me that while they were investigating again the would send me " provisions ''. I never received any provisions. and on XX/XX/XXXX CITIBANK sent me XXXX letter in the mail stating they were deny my claim again. Im running out of options I hope your company can get me my hard earned much needed funds back. thank you
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Company chooses not to provide a public response
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Payment was made to XXXX XXXX XXXX XXXX have receipt dated XXXX XXXX, 2015 ).
As I paid in full, at one time, XXXX gave me a credit of 5 % on the total bill. XXXX from XXXX to XXXX XXXX Received notice from collection services XXXX weeks later asking for payment of the full amount.
I contacted collection agency with copies of receipt, and they sent me another collection notice a month later, when I again sent them a copy of my paid in full receipt.
I now have a major black mark on my credit report. I have attached my billing summary XXXX no balance due ) from XXXX, and have also included my receipt from the initial payment on 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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Regions Mortgage is not reporting correctly on several if account. This account is not in the wage warner plan. The balance is incorrect, last payment date is incorrect.
REGIONS MORTGAGE XXXX XXXX XXXX XXXX, MSXXXX ( XXXX ) XXXX Account Number : XXXX Status : XXXX Account Owner : Joint Account High Credit : {$200000.00} Type of Account N/A Credit Limit : Term Duration : 20 Years Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$160000.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$2000.00} Scheduled Payment Amount : {$2000.00} Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : XXXX Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Conventional RE Mortgage Date of First Delinquency : XX/XX/XXXX
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