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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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My payment arrived on the due date ( arrival verified by the billpay service of my bank ), yet the credit card company takes a day to process / post the payment, and then hits me with a late fee and interest.
Written on the monthly statement from the credit card company is, " If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of ... ''. When I ask the ccc why, since my payment arrived on time, I was charged a late fee, the ccc says, your payment was n't posted until the next day, and it 's the posting date that counts. Then I say, but your statement says the payment arrival date is what counts. The ccc just continues to say, over and over and over, that it 's the posting date that counts.
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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 used a balance transfer check ( Hardcopy ) between XXXX ( XXXX XXXX XXXX XXXX XXXX ) and BOA ( Bank of America ). I was having computer issues so I ended up having to drive out of town to submit in person. The teller at XXXX accepted the check. After I did that I came back to my local library and tried to confirm it online. Their printers were offline so I could't create a record. I have also reported issues long ago in a previous case. ( XXXX XXXX XXXX XXXX XXXX ) When I was able to successfully log onto online banking it reads as the balance transfer went through except it charged me XXXX. It entered it on XX/XX/2016 instead of the day I gave the bank my balance transfer check in person. ( XX/XX/2016 ) Then they sent a check to my bank and it was also dated XX/XX/2016. I have yet to return it to Bank of America. The real problem here is the balance transfer online with Bank of America reads as is the balance transfer access checks read as XXXX XXXX. I do NOT currently have an active account, credit card, or savings account with XXXX XXXX. The past issue with them had also to do with an employee, credit protection, and activation of XXXX or more credit protection plans as well as inappropriately using my debit card at another bank ( XXXX XXXX ). I have reported many things about my name and mail for a long time. I hope if this is the person using my name that you can catch the person using my identity. I am also signed up for identity theft protection currently and all of my children and I have protection underneath all the protection plans currently. XXXX, XXXX and I also had an event with the XXXX XXXX website as well. My reset password function showed myself and someone else 's name. XXXX XXXX at XXXX XXXX to my email XXXXXXXXXXXX. The Washington XXXX website ended up firing XXXX employees with the State of Washington XXXX XXXX XXXX and her brother who was an IT Technician for sharing confidential patient information between each other. I would like this to go to the appropriate agency so I can claim money from my long term issues involving my life and also claim issues for my children. Both are currently considered XXXX now but this has occurred so often as well as prior to them turning XXXX. This is just the latest issue and I want it all to stop as soon as possible. Very XXXX and it has affected the quality of my life. Thanks.
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Company chooses not to provide a public response
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On XXXX XXXX, XXXX I checked my Bank of America account to find that my balance was {$0.00}. There was a HOLD posted for {$2900.00} by the bank. When I contacted Bank of America I was informed that the hold for a judgment and they gave me a phone number to call of a collection agency. I contacted the agency and was informed that there was a judgment against me from XXXX for a medical bill in the amount of {$680.00} ( the original bill was {$250.00} in XXXX ) I then contacted the obgyn office to confirm and we concluded that notices were sent to the incorrect address. I immediately called the collection agency and settled the balance. The agency sent me the documentation which was sent to Bank of America in the amount of {$680.00}. She also faxed me a coy of the receipt for payment, original bill and letter to Bank of America to release all funds immediately. I called the customer service dept at BOA and requested clarification and documentation as to why {$2900.00} was removed from my account when the judgment was for {$680.00}. They refused to provide any documentation to support the {$2900.00}, refused to credit back the additional funds and informed me that I would be receiving a check in the mail in 3-5 business days for {$2200.00} ( my $ XXXX {$680.00} for the judgment ). I explained that I have already paid the collector ( which I have scanned copies from the office supporting the letter to BOA for {$680.00}, the letter to release funds and my receipt of payment to settle the account ) and I can not wait to have the funds replaced. There are several outstanding checks that have not cleared and without those funds the checks will bounce. After over an hour on the phone with BOA explaining the situation to multiple people, they said that their legal department will not speak to customers but they informed the BOA customer service manager that the collection agency 's letter stated to remove the {$2900.00} for " housing expenses '' the judgment was for an XXXX. I informed him that I have a copy of the letter that was sent to BOA as well as confirmation from the employee who issued the letter XXXX stating that BOA was completely wrong. They are still continuing to hold all of my funds. I told them I can understand holding the {$680.00} until the letter has been processed, as these things take time. But I can not understand how they can legally withhold the rest of my funds without cause.
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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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During closing it was discovered that the lender has miscalculated the transfer tax of the property that I was purchasing. A phone call was made to the title company ( at the closing table ) to get the problem resolved. The title company contacted the lender, got the new transfer tax approved and sent us the new Final Closing Disclosure which was signed and notarized at the closing table. As a result of this change the final disclosure that we were sent and I signed showed that I was supposed to receive approximately {$2100.00} back from the title company as a refund of what I had wired to them for closing. I contacted the title company later that afternoon to give them information to rewire me the funds and they indicated that they had already sent me a check in the mail for {$55.00} which was what they owed me. I was told I had to then contact the lender to find out why my refund had been so drastically reduced. After several days on the phone with several different people at the lender, most of which would never answer or call me back, I discovered that the document we signed at closing and had to be approved by the lender was not what they say they sent to the title company as the Final Closing Disclosure. The only time I got to see the Final Closing Disclosure the lender says they approved was after it was emailed to me after being on the phone with the closer from the lender for several hours and him not understand my complaint. No one else, the notary, either realtor, myself, had seen the closing disclosure the lender says they sent until the end of the day of closing when I got it emailed to me as described earlier. Neither the lender or the title company currently is helping me out or finding someone at either business who can help me out. However I believe the money that is owed to me is the difference between my wire transfer to the title company for closing and the " Cash to close '' that was listed on the Final Closing Disclosure that WE SIGNED AT CLOSING AND WAS NOTARIZED AS SUCH. The lender says the lender credit due to me had been reduced because of the reduction in the tranfer tax which is why the cash to close went up on the version they say they approved. The pictures attached show the XXXX and XXXX pages of the final closing disclosure of the XXXX the lender approved ( higher cash to close and lower lender credit ) vs. the one that we signed at closing ( lower cash to close and higher lender credit )
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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First off, I was 100 % unaware of owing medical bills. Given that I have XXXX which pays all of my costs, I do n't understand how this is possible. The only reason I am even aware of being sent to collections is because it showed up on my credit report on XXXX XXXX which I monitor weekly. There was no written validation of debt, no phone calls, nothing. Just all of a sudden, I 'm sent into collections and it was reported to XXXX. The company is Syndicated Office Systems. Due to them not contacting me, I am can not be sure this is even a real company or if my debt is real.
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Company chooses not to provide a public response
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Our property tax bill was not paid by Santander even though we escrow our taxes and have more than ample funds in our account to pay the taxes. We are now faced with interest, penalties and a lien on our home.
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Company disputes the facts presented in the complaint
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as i stated in other complaints someone has used my identity to open this account and i never received any communication from this company and yet they continue to assert that they have had communication with me in the past in response to a previous complaint ... and they havnt someone stole my identity and these people continue to make it difficult to get this cleared up i am in the process of making all of the necessary complaints with other agencies that regulate/license debt collection to see if i can get some help getting this figured out and giving this information to other govt agencies to investigate
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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Hello Our mortgage company raided our escrow payment by {$300.00} and we are now unable to make our payment. Our taxes and escrow have not increased since closing and our insurance increased by about XXXX. We habe not heard anything regarding our request in the last 30 days. When we call we are told that it is still in review.
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Company believes it acted appropriately as authorized by contract or law
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Navy Federal Credit union preauthorized transactions that closed my account.
Today as of XXXX/XXXX/2016 I went into the Navy Federal Credit Union to cash a check from another account holder and they refused to cash the check when I am not an account holder by announcing my name so loudly I was embarrassed and stated they would not cash a check from any account holders which was not my account due to in past 6 years or more allow preauthorization transactions to over drawn account ; closed account 6 or more years. I only had bank check from another consumer written to me from their account to cash.
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Company chooses not to provide a public response
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I have been trying to do a FHA refinance streamline mortgage since XXXX/XXXX/XXXX. I submitted every document that the processor asked for. Underwriting stated that I had an fraud alert on my XXXX credit report which was a ( consumers statement not an alert ) I was instructed to remove the fraud alert or add my phone number to the report, which was already noted on XXXX credit file ( phone number ), I faxed the credit report to the processor and the Loan Officer. I was then told it needed to listed on XXXX there 3rd party credit bureau. XXXX informed me there 's no area were they list personal ph numbers on there reports. XXXX back and forth trying to clear this last condition being told by processor and loan officer were n't not sure why underwriting will n't clear the condition. XX/XX/XXXX I was told this information and email notes would be forward to a supervisor and they will get back with me. It 's XXXX/XXXX/XXXX and I have n't as of yet received a call from anyone or refinance my loan. Where do I go for here interest rates are increasing!
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Company chooses not to provide a public response
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Experian and XXXX.
Fail to provide complete Verifiable documentation of accounts reported onto my personal credit files contacted the company 's requesting proof of claim requested removal of unsubstantiated information over last 6 to 8 months.
Experian- XXXX- XXXX # XXXX / XXXX -Acc # XXXX XXXX XXXX XXXX XXXX XXXX Att XXXX XXXX XXXX XXXX XXXX XXXX -Acc # : XXXX USPS Certified Mail Tracking # XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Sent request to the original creditor No Response.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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synchrony bank previously GE Bank have several accounts under my name wen I got XXXX thi banking intitution cancel all my card protection program not to mention they close All my credit card in good standing just because I I 'm XXXX thi is a direct violation not only to CFRA BUT MY AMERICAN XXXX ACT I NEED THE CFPB TO INVESTIGATE ALL ILLEGAL PRACTICE FROM synchrony bank TO SEE HOW MANY OTHE XXXX CONSUMERS HAS GONE TRUE THE SAME VIOLATION
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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 requested that the XXXX account XXXX be removed from my credit file as it does n't belong to me you responded back saying that you had updated the information bite it looks like everything was fine with the account until XXXX where it was 30 days behind and now for the last 3 months they 're not even reporting it says XXXX the account does not belong to me the bank is not even reporting on it if you 're going to keep it on my account then I expect you to show me the steps you took to prove that the account belongs to me not just taking their word for it I clearly have a history here in the last year of fraud there were a lot of accounts removed I 'm not quite sure why this XXXX is still on here but I would like it removed permanently as soon as possible 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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My ex husband filed for bankruptcy on a Wells Fargo Credit Card. I was listed as the second cardholder, i did n't sign anything obligating me to pay for this card and it was discharged on my ex husbands bankruptcy.Wells Fargo has severely damanged my credit scores by falsely reporting this information.
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Company chooses not to provide a public response
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XXXX sold my account to XXXX XXXX in XXXX at that time the balance was {$15000.00}. We were negiotaing a the loan be re written as a home equity loan. Coincidence or not that decided to not return our phone call when the market crashed in XXXX. We short sold our home XXXX XXXX. XXXX HAS BEEN HARASSING US FOR XXXX YEARS NOW. The most recent amount they claim we owe is {$54000.00}!? They continue to report this every year. Is this legal? It will be XXXX years XXXX XXXX. They claim they will keep reporting this until the debt is paid in full. Please assist me on how we can assure this happens. We already lost our home and now have to rent until this gets removed. We are not even being considered due to their reporting.
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Company believes it acted appropriately as authorized by contract or law
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On XXXX XXXX, 2015, I contacted Navy Federal Credit Union regarding the Line of Credit and talked to XXXX, customer tepresentative and also requested to speak to her supervisor, XXXX. Arrangements were made that I was supposed to make less than {$330.00} a month. XXXX told me that I am being charged {$190.00} for the interest rate and I told her that was high. I told her that am being overcharged and that I already made arrangements to pay the Line of Credit. I had made this arrangements because we are in a fixed income and both retired. I was not satisfy with her providing the information so I requested to talk to her supervisor XXXX. He did n't seem to assist me at all instead he corrected me went I said the supervisor and he said I am A supervisor which is unprofessional and he had a bad attitude. I told him I will file a complaint to Consumer Financial Protection Bureau and he said go right ahead. He then said I will make sure your loan goes to Collection. Prior to this, I was going to make my line of credit {$230.00} which was online. Apparently, I pay my bills using the Navy Federal Credit Union. I disagreed with XXXX and he did n't assist me at all. As a supervisor, you need to assist the customer not threaten or retaliate by telling me that he will make sure my loan goes to collection.
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Company believes it acted appropriately as authorized by contract or law
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This number ( XXXX ) XXXX has been calling me every day and when I answer the line is silent then they hang up. I blocked the number and now it goes straight to voicemail every day and they leave no message. they also called me from ( XXXX ) XXXX. I guess the company is called berlin-wheeler inc. I owe no debt but these people just keep trying to call relentlessly and are silent.
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Company chooses not to provide a public response
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I made a credit card purchase, point of sale. and the amount was debited from my account. two weeks later I was overdrafted by the amount of the sale and the date of the debit was almost two weeks after the sale. Subsequently the bank has charged me XXXX overdraft fees. I spoke to the retailer and they said that they put the charge through immediately so some manipulation was being done solely by the bank ( Bank Of America ). The bank is not supposed to allow any point of sale purchase through if the funds are not available and to be debited immediately.
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Company chooses not to provide a public response
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The XXXX Scott Lowery, P.C. law firm is representing XXXX , XXXX in collecting a debt I do not owe. The name on the account is not my legal name and I believe the account was created from identity theft. A judgment for {$160000.00} was granted against me. This has been a series of long and never ending harassment events over the past 2-3 years. I have pending complaint against XXXX XXXX XXXX with the Oklahoma Bar Association for unethical behavior. Also, I have provided a valid and notarized ID Theft Affidavit to XXXX Scott Lowery, P.C. law firm. I seeking all monies garnished and collected from me to be returned and release the judgment.
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Company chooses not to provide a public response
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XXXX, XXXX are the same account and they are reflecting XXXX separate accounts which are driving my credit score down.
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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 noticed there are XXXX new accounts reported from XXXX/XXXX/2016 ; XXXX XXXX, XXXX, and XXXX. If there are more than one credit card issued to me from each of these companies, then someone has stolen my identity. If there are only one account for each of these companies, these accounts have been opened and already reported for over 12 months, maybe even 18 months. Reporting them as new looks like I have applied for credit- which I have not done in over one year.
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Company believes it acted appropriately as authorized by contract or law
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The Ditech company keeps sending me a collection notice on property that I have never owned or had loans on this property. They say I have a loan from this company when i do n't.
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Company chooses not to provide a public response
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Bank of America would not let me open account without providing my ssn
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Company chooses not to provide a public response
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I was checking my credit report and found that there was a civil claim that does not belong to me. When I contacted Experian they said that I had to file a dispute which would take up to 30 days. I decided to back track and found that the debt belong to my dad ( we have the same name, he 's XXXX And I 'm XXXX XXXX. I called Experian and told them that I contacted the original company which is XXXX and when I gave XXXX my ssn # they was no account linked to me when I gave my fathers ssn # the debt was linked to him. Then I contacted the debt collector XXXX XXXX XXXX and gave them the same info my ssn # was not linked but my fathers was. When I contacted Experian they said I need to send them proof I told them that neither company would send me a letter stating this was not my account. I went to XXXX XXXX they said they could n't either as they have nothing to do with the credit. I contacted XXXX and XXXX and they also said there was no public record on their report. I have spoken with different people from Experian and I keep getting mis lead information. The first one said to dispute. Then another said the computer was down but if I had the ssn # to call back and they would be able to run it and if nothing shows up they could clear it, when I called back the other person said he did n't know why they said that cause they ca n't do that it has to be disputed. I do n't understand why Experian can not run my ssn # when I was able to trace it back to my father with my ssn # and have those companies tell me that they have no account with me. I do n't know why it 's difficult. Why ca n't Experian call the debt collector to get the right ssn # that it 's associated with as like I did. By having this on my report it 's messing everything up I have talked to the companies and I do n't know why Experian can not call them to see if the ssn # linked to this debt is not me. I do n't know how they can just go based off the name as I 'm sure there 's other people out there that have the same name like me and my father. It 's very frustrating just knowing it 's not me and they want proof and all I can provide them with is that I contacted the companies and they say it 's not me yet they can not do that.
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Company believes it acted appropriately as authorized by contract or law
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This was a number I 've had for 10+ years, and for a debt that is not mine. Nor do I have an association with the individual the caller is attempting to reach or the county that is referenced.
The call was from XXXX, which a XXXX search identifies as owned by National Bureau of Collections in Oklahoma. The call was received on XX/XX/2016 at XXXX.
Caller states the call is for a male named XXXX XXXX (? ). Caller identifies herself as XXXX XXXX. She states XXXX XXXX has an outstanding warrant in XXXX County and needs to contact her by XXXX.Caller directs XXXX XXXX to contact XXXX, extension XXXX.
At no time did caller identify her company.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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The bank, Wells Fargo, pretended to be negotiating a settlement of the loan in question, however, they were denying XXXX XXXX 's settlement offers without providing a reason as to why they were denying the offers. XXXX XXXX has submitted numerous settlement offers in an attempt to come to an agreement on a specific settlement amount, however, all the settlement offers have been denied. All the denial letters list the same reason for decline : " Offer is below settlement guidelines for approval. '' XXXX XXXX XXXX, XXXX, attorney for XXXX XXXX, has contacted Wells Fargo on several occasions, but no one was willing to provide a reason as to why the offers were below settlement guidelines for approval.
From initial conversations with one of Wells Fargo 's representatives, XXXX XXXX ( email address : XXXXXXXXXXXX ), XXXX XXXX was told, " let me know when you have the {$25000.00} ... that is the number we agreed upon. '' XXXX XXXX provided proofs to the representative that he had the {$25000.00} they agreed upon. Additionally, since the conversation with the Wells Fargo representative, XXXX XXXX has offered several settlement amounts, including {$50000.00} and {$75000.00} settlement offers. All his settlement offers have been denied with the same standard denial message that his offer is " below settlement guidelines for approval. '' Despite Wells Fargo 's unwillingness to enter into negotiations, XXXX XXXX 's latest offer of {$75000.00} still stands as he is willing and ready to settle for this amount.
Furthermore, XXXX XXXX was told that he needed to be three payments behind in order to qualify for a loan modification. XXXX XXXX relied on this information with the assurance that he would receive the loan modification. Falling three payments behind caused tremendous damage to XXXX XXXX 's credit. XXXX XXXX applied for the loan modification in XXXX ; it was also denied. Low income was the reason given for denying the loan modification. XXXX XXXX has also tried to refinance the loan ; that also was denied. XXXX XXXX has ran out of options as Well Fargo has not shown any willingness to negotiate.
To provide a form of guideline : In XXXX, a Wells Fargo representative qualified XXXX XXXX as " Low Doc ''.
In XXXX, the bank representative ( XXXX XXXX ) encouraged XXXX XXXX to borrow more money as they appraised his home at {$590000.00} as a one family home ; this was more than market value.
In XXXX, XXXX XXXX was told that he was qualified for refinance, but then in XXXX, XXXX and XXXX, he was told that he was not qualified for refinance any longer. There was not any dramatic change in XXXX XXXX 's income from XXXX to XXXX. Therefore, he could not understand how he was qualified for refinance in XXXX and not XXXX. XXXX XXXX was pressured into borrowing more money through the " low Doc '' or " No doc '' programs.
XXXX XXXX has not only suffered damages to his credit, but he has also lost money, he and his family has been receiving threats of foreclosure even while he was trying to work out a settlement with the bank.
The last payment that XXXX XXXX made was around on XXXX XXXX. XXXX XXXX was paying {$650.00} for interest on line of credit. He also has another mortgage with Wells Fargo, a XXXX mortgage, which is {$2500.00} per month. He is current with his payments on the mortgage. However, it had been difficult for him to keep up with both mortgages.
The bank now claims that they will stop working with XXXX XXXX for the settlement because his property is valued more than the loan amount owed. However, the property was always valued at more than the amount owed and they were ( or were pretending to be ) negotiating a settlement during that time as well. It seems that the bank was never willing to negotiate a settlement even though they told XXXX XXXX that they were willing to. XXXX XXXX has suffered tremendous damage
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Company chooses not to provide a public response
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i would like to file a complaint against BB & T for unfair overdraft fees. I appreciate that the banks offer of overdraft protection however, in 2015 I have paid over {$1000.00} in fees. Just in XXXX 2015/XXXX 2015 my fees alone totaled {$360.00}. I have reached out to the bank for assistance and they will only adjust your account for overdraft fees every 24 months.
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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 refused to provide my free annual credit report. I complained after I received the refusal letter. I got a second letter. In order to complain to Experian directly one needs to have the report in-hand. Without it there is no resolution to be had. The second refusal letter falsely states " The address you provided has never been reported to us. '' This is a lie. And I can prove it. I want my free report. No more letters of refusal. My address is the same one Experian has had since 1981. It has never changed. Same one they mailed both refusal letters to.
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Company disputes the facts presented in the complaint
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My Son was taken by an XXXX and the company used his insurance and is trying to collect the deductible from me. I am not responsible for this debit becaus my son is not a minor. I have disputed this debit.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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bank of America morg has remove funds from my acc. checking,, for any amount, anytime, no notification ... .i had boa fraud dept. retrieve my funds so many times,,, on record. also i pay my morg. payment on time not a minute late or a dollar short ... ... .. they say i default on payments,, but checking services claim i did indeed make my morg. payments. morg dept. will no except conformation #. all was resoled XX/XX/2015 ... ... i thought? boa start it again with it all the same trouble,, also a great foreclosure notice,,, expires XX/XX/2015. they now deny it and i always pay have evidence to back all claims. please help everyone says boa is insane! XXXX, XXXX XXXX I DONT NO HOW TO ATTACHED DOCUMENTS,,,,, BUT I HAVE A XXXXLB BOX FULL OF BOA DOCUMENTS,,,,, EVIDENCE ... CAN B MAILED
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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 some things on my credit report that is not mines. I have XXXX account that is more than 10 years old ( XXXX ). I have disputed before but Experian refuses to review information or delete. I also sent them information from XXXX were they have deleted the info. Experian says they do n't do what other credit companies do and will not review their info.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I was recently charged an extensive amount of Overdraft fees in the amount of {$100.00} and a monthly maintenance fee of {$12.00}, totalling {$120.00} in fees added to my checking account above.
My account was originally overdrawn by Bank of America on XXXX/XXXX/16 in the amount of {$12.00} for a monthly maintenance fee. Then subsequently you they allowed XXXX to charge to my account rather than declining it an additional XXXX on XXXX and XXXX on XXXX ( Resulting in additional overdraft fees totaling {$100.00} ). I was not aware of XXXX charging this amount to my account for a onetime credit report we pulled and have since cancelled and you will see a credit of XXXX on XXXX and still pending a credit from them for 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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Debt collector has left several messages on a work phone which " does not state my name. '' The debt collector from phone number XXXX XXXX XXXX XXXX leave a message stating " this is a message for XXXX in response to debt matter, if this is not XXXX please hang up in XXXX second '' ... then she proceeds to say this in an attempt to collect a debt and states several other things. This is a clear violation of my privacy and personal information and I want it stop now.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I have a vehice loan with Ally financial I 've been harassed every since they financed my vehicle. I recently received a call from Ally stating they had a repossession order out for my vehicle XXXX Chrysler 300. My payments are current but the repossession is for late charges. I have n't been receiving monthly statements for my account nor have I received any type of correspondence stating that there is a repo order out for my vehicle. I would appreciate your help with this urgent matter. I want to pay my financial obligations. I feel I 'm being discriminated against and being harassed
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I have a big issue on a medical collection on my credit that I have no idea what it is. Knowing that I am a XXXX and I have wonderful health insurance, I have no idea how I can owe a debt to this company for {$690.00}. They claim on my credit this debt is from XXXX XXXX. I am not aware of any medical bill I did not pay. On XXXX XXXX, XXXX, I send Escallate LLC a debt validation letter requesting more information related to this debt. To date I have not received any proof from them that I owe this debt. I disputed this collection with the Credit Reporting Agencies in XXXX XXXX but even after Escallate LLC did not send me proof, they told the Credit Reporting Agencies that I owe this? If I did owe this debt, my insurance company would have paid and I would not have been responsible for this.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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My mortgage company is actively trying to delay or block my home mortgage refinance with another company. I initiated a mortgage refinance with a broker in XXXX. The last step is for me to provide a 24 month verification of mortgage payments. I provided my broker with signed authorization to obtain this information on my behalf. The first request was on XXXX XXXX. After repeated requests for this information, the mortgage company still has not provided my broker with payment history, and even told them it may be after XXXX XXXX!!! My loan interest rate is locked in until XXXX XXXX, and I just received a letter stating that they received my request and that it would take place after XXXX XXXX. I may lose my loan interest rate and may even have to start the process over due to my mortgage company failing to fulfill my request withing the XXXX business day period they told me it would take when I inquired about if over the phone in XXXX. My broker urged me to file a complaint and stated that this activity is illegal. The request for mortgage payment history should not be delayed for months. I have been having trouble with my mortgage company improperly handling situations for years now. In XXXX I applied for a mortgage loan modification after the economy downturn, I was unable to afford the extremely high payments for a house that lost half it 's value. My mortgage company dragged it 's feet until I finally had to file for bankruptcy in XXXX. During my bankruptcy planning process, the mortgage company finally sent me documentation approving my loan modification. I decided to file chapter XXXX instead of chapter XXXX because I believed that they were acting in good faith. This proved to be a mistake. After I met all the qualifications during the 3 month trial period for the loan modification, I heard nothing from my mortgage company. I called to find out why my modification had not been finalized. My loan specialist advised me to keep making the new lower modified payment until they were able to find out why the process was not complete. This went on for 7 months and then I was told suddenly with no reason at all that the mortgage company was not going to do the modification and that I am now way behind on my mortgage due to paying the lower amount that they advised me to do. I believe they fraudulently sent me approval for loan modification that they had no intention of fulfilling so that I would not file chapter XXXX and they would be stuck with the house. I would have filed chapter XXXX if they had not sent me loan modification approval. My mortgage company continues to petition the court to modify the loan amount I agreed to in my bankruptcy plan. I do n't see how they are able to do this without my approval or agreement. They even advised me over the phone that there is a motion to dismiss the bankruptcy so they can continue collection activities, even though I am still under bankruptcy protection. I do n't know where else to turn for help against them. I have attempted to contact an attorney, but am having difficulty determining what type of lawyer handles these types of cases and could give me advise.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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At Bank Of America, I have had my personal & business checking account assessed with several NSF/Overdraft fees, since XXXX continuing into XXXX inspite of the fact that I was told the checking account has been linked with Bofa Credit card to avoid any fees and I covered the deficiency balance on numerous occasions the same day. Inspite of everything I have done to avoid getting hit with these fees, the account keeps getting charged with these erroneous fees. I contacted the personal banker, XXXX XXXX XXXX for this issue ( See email excerpt below ). I can not afford these fees as I 'm already struggling financially and being a long-time bank customer, and have maintained account in good standing. I 'm not getting any assistance from the bank for this issue.
From : XXXX Sent : Friday, XX/XX/XXXX XXXX To : XXXX Subject : RE : NSF fees Hello XXXX XXXX Thank you for reaching out to me thru email.
I did send the request already for your refund credit. As soon as I get the response from the request I will contact you.
Thanks!
XXXX XXXX Relationship Banker boa_logo XXXX CA XXXX Ph : XXXX Fax : XXXX XXXX From : XXXX XXXX [ XXXX ] Sent : Friday, XXXX XXXX, XXXX XXXX To : XXXX, XXXX Subject : NSF fees XXXX, Nice to meet with you last week for the NSF fees.
As of now, I still have not seen anything come through yet for credits..
Can you please let them know that my accounts were not linked to the Bofa Credit card and also I was not aware of the depositing funds the same day in the account..Main thing is that I was told to open the card to avoid NSF fees and yet I 'm being charged on my Bus acct - XXXX & Personal account XXXX
Thanks!
Best Regards, 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 complaint is XXXX legitimate. The debt collection agency has been fined millions of dollars in the past by the Federal Trade Commission. In this case, XXXX XXXX picked up my information from an XXXX credit card that went into default in 2008. For that matter, XXXX is now off my Experian report due to the 7-year rule application from the Fair Credit Reporting Act. This account can not be enforced under New Hampshire, and Experian did a poor reinvestigation and should easily see that XXXX XXXX has re-aged the credit item to give the appearance that the account can still be legally collected and/or reported. Experian has no other recourse but to delete this credit trade line as the original trade line with XXXX has already been taken off credit due to its legal attachment limit on time, that being seven ( 7 ) years. This item need to be deleted immediately and permanently.
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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 noticed that each month Trans Union is LOWERING my credit score that it is reporting to XXXX XXXX, and all businesses who inquire as to my credit. They have now, this month provided my creditors with a BELOW AVERAGE score, which is FALSE and slanderous. This is deliberate to thwart my attempts to further my business associations. I have XXXX late reporting and XXXX past due on ALL of my credit accounts and Above Average ratings with all of my creditors. There response is insufficient reporting time for each card. YET MY SCORE WAS ABOVE AVERAGE MONTHS AGO, SO HOW THEN IS THAT AN HONEST SCORE REASON, WHEN MANY MORE MONTHS HAVE GONE BY, ONLY STRENGTHENING THE TIMELINE FACTOR. The other negative explanation stated was too high of balance to credit line, yet I pay almost XXXX percent of my balance EACH MONTH ... .miles more than almost all credit consumers. I have been battling FOR YEARS with the credit reporting agencies committing criminal intrusion into my credit file, and it appears it is STILL CONTINUING. No law abiding, fair credit reporting agency would provide FALSE AND DEFAMATORY information on a credit file. I will continue to take legal action EVERY time there is an issue with my credit files an reporting as it appears, I have no choice, being that these types of misinformation have been going on for several years now in my credit file. I want the CORRECT ABOVE AVERAGE SCORE REINSTATED TO MY CREDIT FILE, OR I WILL TAKE THIS TO COURT.
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Company believes it acted appropriately as authorized by contract or law
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I am experiencing issues involving my identification which has been used in the opening of medical accounts that have been appearing on my credit reports since XXXX over the past 3 years I have asked that the ( XXXX ) bureaus assist me with acquiring verification from this company so that I can move forward in the removal of the entry from my credit history.
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Company chooses not to provide a public response
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When my son moved out, the post office also forwarded mail in my maiden name and reported his apartment address ( XXXX ) on my credit report, but I never lived there and still live/own my house on XXXX XXXX XXXX Attached are current utility bills.
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Company believes it acted appropriately as authorized by contract or law
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I have an ongoing dispute with the billing practices of Progressive Mgmt Services ' client, XXXX XXXX XXXX Hospital and its affiliates. XXXX XXXX XXXX Hospital and its affiliates routinely do not provide itemized billing in a timely manner, do not send itemized billing at all, and place accounts in collection without proper due diligence. PMS has been repeatedly notified of this fact on at least 3 prior occasions. PMS continues to attempt to collect invalid debts on behalf of XXXX XXXX XXXX Hospital and its affiliates despite the prior notifications. PMS leaves automated and live telephonic voice messages regarding the disputed accounts without verifying they have the correct contact information and without permission from the alleged debtor - in violation of the FDCPA. PMS has failed to put into place safeguards to rectify these issues as previously outlined in multiple communications with them, XXXX XXXX XXXX Hospital, and the AZ Attorney General.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I am continuing to get debt collection calls from a debt that, I was told, was paid in full in XXXX 2013. I have a paid in full letter, as well as an email conversation showing that I do not owe this debt anymore. That being said, 2.5 years later, I am still getting the phone calls and the debt is still showing on my credit report.
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Company believes it acted appropriately as authorized by contract or law
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I am experiencing issues involving my identification which has been used in the opening of medical accounts that have been appearing on my credit reports since 2013. Over the past ( 3 ) years I have asked that the ( XXXX ) bureaus assist me with acquiring verification from this company so that I can move forward in the removal of the entry from my credit history.
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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 spouse has not worked because of medical reasons since XX/XX/2015. We are having problems making our mortgage payment and the bank states that we do not qualify for help and recommended a short sale of our house which we do not want to do.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I sent a letter to Transunion disputing the validity of items on my credit report these items were inaccurate and reported in error on my credit file. I contacted the source where the information was coming from and they could n't give any lawful explanation to why the items was reporting inaccurately in error on my credit report. I then contacted Transunion and asked them to remove the item because its an inaccurate error but Transunion refused to delete it and said they had verified it. I asked Transunion the details of who they verified it with and their method of the verification. Transunion ignored my request and continued to report the inaccurate items on my credit report. I reached out to an attorney friend of mine and the FTC and they both informed me that Transunion had to give proper lawful validation to the items they were reporting and have to make sure they are accurate without errors. I learned that according to the FDCPA and FCRA Transunion has violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them.
Below are the accounts reporting inaccurately in error. Report Number:XXXX XXXX XXXX XXXX acct 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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Never received a bill from XXXX XXXX XXXX of XXXX XXXX, CA, and without making reasonable attempts to contact me, XXXX XXXX XXXX passed the bill along to a debt collector, CMRE Financial Services Inc.
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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 company named Procollect contacted me about an electric bill to XXXX XXXX back in 2009. Not only was I not living in the state in 2009, I contacted XXXX XXXX and they have no record of me doing business with them in their system. This sounds like a fradulent debt to me. The debt even was placed on my credit report. I disputed the charges and the credit company promptly removed the charges from my credit report.
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Company believes it acted appropriately as authorized by contract or law
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I send XXXX dollars to XXXX to my brother-in-law in his bank account ( XXXX XXXX ) on XXXX/XXXX/2016 but money is still not deposited into account.
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Company chooses not to provide a public response
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Barclay Card XXXX was XXXX of cards that our family used regularly to accumulate points for travel\ling. You can earn roughly XXXX cents per dollar spend to be used for travel expenses. We saved up to around XXXX points with roughly equal to {$1800.00} to be used to pay for cruise with our XXXX young daughters for the XX/XX/2016. However, the card was closed by Barclay and the points were taken away without any warning. We did not get a chance to redeem our points. We ca n't go on our trip because of this. We called and they said there is no way for us to use the points that we have earned over the years. Closing the account is Barclay own decision but we should get a chance to use the points first. When we filed the complaint, they just showing us the letters again without giving us a chance to redeem our points.
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Company chooses not to provide a public response
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I DO N'T UNDERSTAND WHY?????
A condition exists that prevents Experian from being able to accept your request at this time.
To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form.
Annual Credit Report Request Service XXXX. XXXX XXXX XXXX, GA XXXX
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Company chooses not to provide a public response
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We had a XXXX XXXX walk away from us in the middle of a project. He asked for XXXX checks from us. XXXX in which I called XXXX XXXX to have cancelled - however they never cancelled the check and the fraudulant XXXX walked away with twice the amount of money he should have taken us for. I provided a customer service rep with the check number and the amount which needed to be cancelled. To my surprise a check for {$45.00} was cancelled instead of the check for {$7500.00} ( check number XXXX ). Since the following check to the fraudualnt XXXX was also cashed, I am at a loss of {$15000.00} instead of {$7500.00} due to harris bank not properly canceling the first check. When I spoke with Multiple layers of management, they told me there was nothing they could do because they claim I gave them the wrong check number.
They should have never allowed the {$7500.00} to leave my bank account and should be liable for such a loss.
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Company chooses not to provide a public response
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I have been unable to gain access to my experience credit report so I can dispute an unverified alleged debt on my credit report. The company who posted this alleged collection account has not afforded me the common courtesy as required by law the ability to dispute this supposed debt and request debt validation. They just put it on my credit report. I hereby dispute this alleged account with berks credit and collection for {$70.00} dated XXXX XXXX 2016. I demand an investigation be performed and removal of this sccount.
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Company believes it acted appropriately as authorized by contract or law
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In XXXX XXXX, there was an account opened through XXXX XXXX that was opened in my name. I was unaware of this account until XXXX when I checked my credit score and saw it. The address labeled under the account was not mine and has become a closed liability on my credit score. I request that this be removed from my credit score.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I made an attempt to receive my free report from Experian via the usa.gov website but received an error and was instructed to call Experian for further instruction. Additionally I tried freecreditreport.com and was unable to obtain my report. The website would not allow me to progress beyond step 1. After entering the information, it would clear the information and force me to start again. After several attempts I decided to contact their product support and was unable to rectify the issue, being told to try again later and/or use XXXX on a windows computer ( what year is this? ).
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Company believes it acted appropriately as authorized by contract or law
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XXXX apartments ( XXXX Florida ), which I rented from. All my payments were made on time. They are charging me this extra money, which I do n't know what it is for. I checked my credit report and it says that it was sent to a collection agency, however, I never received any notification of the debt to begin with. I do not owe them any money
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Company believes it acted appropriately as authorized by contract or law
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This attached document is a " Qualified Written Request '' ( QWR ) in compliance with and under the Real Estate Procedures Act, 12 U.S.C 2605 ( e ), ad Regulation X at 24 C.F.R 3500, and the Gramm Leach Bliley Act and it was sent to the servicer, Statebridge Company, LLC. Also, attached is a letter from the servicer received in response to the Qualified Written Request. Assistance is requested in obtaining a complete, full disclosure rponse to the attached QWR as is our right under the above act.
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Company chooses not to provide a public response
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This is a long story that started in XXXX 2009. XXXX of all I am a veteran of 13 years in the XXXX and I am proud that I had the opportunity to serve my country. I was a XXXX when I came into a financial hardship and had was not paid by the military for over 2 1/2 months. Immediately when I was told that I was not going to be paid that pay period I knew I was in trouble as my mortgage was due. Well at the time I could n't get any assistance for my mortgage and started getting behind. It was n't till end of XXXX I was getting caught up, but I was n't able to pay my balance owed and the bank would not except anything less then the full amount. I just kept getting farther and farther behind and well life happened. I would continuously call and update the bank with my info trying to get into a some program to stop my home from going into foreclosure. After XXXX chapter XXXX bankruptcies filed to postpone public auction to try and get my short sale approved, the bank finally contacted me and said that my home would be going on public auction and there is nothing I can do about it. Flagstar Bank has always been a thorn in my side and to this day they continue to still be. They are reporting the full amount of the loan XXXX is still owed on my credit report and its hurting my credit in a major way. I know the home sold for XXXX which is about where I was trying to sell my house as a short sale at, go figure that. I have recently disputed my balance on my credit report and they denied the update. I also wrote them directly and got a letter stating that they wont update to the correct balance as the foreclosure is for the full balance and will stay on my credit report for 7 years, which i know but I know that the balance of XXXX is incorrect and should be reported correctly.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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Citibank sent several to text to my Cell phone without my consent. On XXXX XXXX, XXXX, I received XXXX texts to my phone number XXXX from the Citibank fraud department inquiring about a fraudulent transaction with my debit card in West Virginia. The online account ( opened in XXXX or XXXX ) was not compromised so there was no need to change the user name or password. I had conversations with Citibank on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and I asked numerous representative how did they receive consent to send texts to my cell phone. Citibank had sent text prior to this incident. I asked them to send me a letter stating when they received consent. On XXXX XXXX I received my new debit card and attempted to add it to my online account. I was able to access the account with my old user name and password. I needed to add the new debit card number to the account and it should have provided me with full access. ( The usual process is to add the new debit card number to the online account and I have full access. ) I was able to access the account but with limited access because the new debit card could not be added. The rep went through several trouble shooting steps and said I needed to register for a new account to access my current account. I asked why and she said it was to access the account. I was asked to add a new user name and password and to accept new terms of agreement and I cancelled at that point.
I have been able to access my account with the old user ID and password with limited function under my old user name and password up until Monday XXXX XXXX, XXXX. Today I was told my old user ID and password were no longer active because I set up a new user name and password which I did not. The system indicates that the terms of agreement have to be accepted for a new account to be used or setup. The rep said that the system must have pushed it through without my consent.
I am no longer able to access my online account. Since I started to inquire about who gave Citibank authorization to send text to my cell phone. I have had difficulty accessing my account to pay my bills and access my balance. Now I am told that I set up a new user ID and Password and this was pushed thru the system. I was told that I provided consent and to check my account yesterday, to receive text and now I am unable to access my account to verify this information and they refused to provide the date that I supposedly consented. Citibank is preventing me from accessing my online account which is linked with my savings, checking and credit card account. If a new online account was established with a new user name and password then it done without my permission.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I filed for bankruptcy in 2009 and included all of my debts - which included a XXXX XXXX XXXX XXXX XXXX XXXX credit card. XXXX XXXX XXXX XXXX XXXX is now called XXXX XXXX XXXX XXXX. My credit report shows XXXX XXXX XXXX XXXX account as a charge off even though it was discharged in my bankruptcy in 2009. A representative from XXXX XXXX XXXX XXXX told me they could not talk to me in regards to this matter. I would like to resolve this matter as it is impacting my credit negatively and have this debt removed from my credit report.
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Company chooses not to provide a public response
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Dealing with Ally financial is a definite run around combined with being lied to by supervisors and representatives. I 've been dealing with complications since last month spoke to XXXX different representatives that gave me different information when it came to bringing my account current and getting a deferment to keep my car from being repossessed. The first guy named XXXX said I was eligible and he was about to give me directive when his system froze and he told me to call back. The second lady said I had to make a full payment the third said set up an online payment and the fourth set up payments on her end and cancelled them when I made a payment over the phone. I was told to wait until XXXX and file for my 60 day extension. I 've spoken to XXXX people one being a supervisor this month. On XXXX I spoke with XXXX and she told me her manager was aware of my situation and was going to approve my extension just to go ahead and make the partial payment by XXXX so I call for the final amount and code to express it and I 'm told it was denied and I need to make a full payment and I was n't notified or called about it I would 've made my partial payment to wake up to no transportation. So I speak to two other reps today and they say my account is going into review for repo tomorrow and their notes do not show they told me the manager was going to approve my extension and it was denied due to a payment that was scheduled in XXXX that came back returned and they apologized because my representative I spoke with in XXXX should have told me to cancel the set up I was directed to make online once I made my payment over the phone. The frustrating piece of it is the lack of information, no one called to let me know what was going on, I was made a false promise over the phone that was n't noted in the file and that 's funny because the calls are recorded but no one can get to those to be held accountable and I 'm being told to call back tomorrow and speak to the initial representative. Ally is only interested in repossession not working with the customer when they have emergency situations.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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I am currently in XXXX and every time I try to access Wells Fargo Online I have to call the XXXX call centre and obtain an advance access code.
Can you please register my travel plans to XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX.
Thank you XXXX
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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Dear Sir/Madam Our FHA loan originated on XXXX XXXX, XXXX with XXXX XXXX and was immediately reassigned to XXXX XXXX on XXXX/XXXX/XXXX ( please see attachment # XXXX ). At settlement we provided an upfront premium payment of {$2100.00} ( Please see Document # XXXX Line XXXX plus another {$110.00} of mortgage insurance was paid by the seller at settlement ( Line # XXXX ). Additionally, we paid {$61.00} monthly until the loan was reassigned to XXXX XXXX and placed in a XXXX XXXX XXXX XXXX in XXXX. Later after applying for multiple modifications, we were informed that our loan was conventional. We submitted several qualified written statements to XXXX XXXX, XXXX XXXX and again to the current servicer SPS without adequate response. In the qualified written statement we requested a complete history of the loan from origination because we disputed the amount and the type of Mortgage. After being given the run around, we secured the services of a Housing Counselor who also submitted a qualified written statement of complete loan history, loan type and applied for several modifications which were all denied. Again, we were told that the loan was conventional but no one could produce the note that supported this information. Once the loan changed servicer in XXXX to SPS, we immediately applied for several modifications and were each time denied. SPS also informed us that the loan was conventional. In XXXX, SPS secured counsel and started foreclosure procedures which prompted us to file the first complaint with your organization. In SPS 's response to our complaint, they, again, instructed us that the loan was conventional ( Please see attached response ) and that we did not qualify for a modification. Once the actual papers for the foreclosure complaint were filed, the true and certified copy of the complaint, filed by SPS 's counsel, indicated that the loan was an FHA Mortgage XXXX Please see attached document ). Once this occurred, we secured counsel to assist us in uncovering the layers of deceit and impropriety associated with our loan. We are now requesting a complete investigation into our loan history as the current documents indicate that they were not only changed but our loan was changed without our knowledge or consent. In addition, we are requesting the note indicating that we consented to change our loan from FHA to conventional. We are requesting a complete investigation into the monies paid to the servicer XXXX and XXXX as well as the amount from loan origination that was set aside for PMI. In addition, we are requesting an investigation into the whereabouts of monies paid on PMI from Loan origination to approximately XXXX XXXX when loan was reassigned to XXXX XXXX. Since we have never received any correspondence in regards to this we are requesting all documentation that was sent to us in regards to a change in loan type as indicated in the current response from SPS ( Please see attached response ). We are requesting an investigation into monies paid XXXX Mortgage from XXXX XXXX to XXXX XXXX. We are requesting an investigation into the denial of approximately XXXX Modifications over the course of the loan to include XXXX modification request to the current servicer. We are citing a host of violations of fair housing practices, servicer, sub-servicer violations, unfair and deceptive practices, Improper conduct of lending and brokering and a multitude of other violations. Please assist us in obtaining the proper documentation and discovery.
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Company chooses not to provide a public response
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My house was wrongfully sold in foreclosure during loan modification, I have received jgmt for amount usbank bought the house back for after erroneous foreclosure sales. Principal at time was {$70000.00} and did none of the credits from XXXX/XXXX/XXXX of {$3200.00}. For loan modification as stated in phone call XXXX/XXXX/XXXX XXXX XXXX with usbank and following calls with XXXX XXXX. And {$820.00} XXXX and {$4900.00} for XXXX modification. I have requested several times what {$21000.00} RCA fess itemized. It looks like they have added sale figures back to principal on modification papers for sales principal of {$92000.00}. Please go over figures and they have told me they added the past due onto the principal which is wrong figure. I started filing application for loan modification since XXXX. They have dragged their feet for 7 years due to farm loan and made the expenses what they are today. My husband lost his job and is why we fell behind on the note. My husband has since been XXXX and we are still going rough that process.
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Company believes the complaint is the result of a misunderstanding
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I would like to talk to someone about my lender, XXXX XXXX. Who has n't been answering my phone calls and gave me a false rate on my mortgage.
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Company chooses not to provide a public response
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I bought a car and was financed through credit acceptance lender in XXXX in XXXX, NY. About 3 months after purchasing and making my payments on time, I was leaving from work and the vehicle did not start. When I called credit acceptance they told me I owed them {$100.00} but could not give me details as to why I owed, and told me that the car was disabled until u paid it. This was the beginning to my problems and I was paying {$450.00} for a XXXX XXXX. As time went on and I continued making my payments..there were times in which I did not get paid until 3-4 days after car payment was due, and my vehicle would be disabled and put into repossession mode in which they could pick the car up and charge me the fees it would cost for repo as well as the car payment. If this company is suppose to help build credit, why are they allowed to continue to charge fees at ridiculous rates to keep people or worsen their credit building process. Im so confused, because this should be illegal. Furthermore I have had my car repossessed, even when my car payment was made on time and the vehicle was n't even disabled! When I called credit acceptance with the repossession guy awaiting to see what was to happen, they said that the car was in repossession. So the guy took the car. I called back later that day after checking my bank statements and reviewed in fact that my payment was made, they told me it was a mistake on their behalf and went on to tell me that I was still responsible for the repo fees of {$250.00} in order to obtain my car back. This was it for me. I paid the {$250.00} and started looking for another vehicle and the following month did a volunary repossession. Now they have been trying to sue me for the difference of {$6000.00}. Retail price at purchase with the {$10000.00} interest rate was {$28000.00}. I drive the car for 3 years and paid off over {$16000.00} for a car worth {$10000.00} initially. I feel like something needs to be done because this company is ripping people off in somewhat a legal way, but faces itself as fraudulent. I just want them to call it even and stop jeopardizing my credit that I have been working so hard to clear up.
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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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Dear CFPB, This complaint is regarding a former and resolved complaint, case # XXXX, regarding Wells Fargo account # XXXX. A brief history of the original complaint is necessary to set forth this complaint : I received private undergraduate student loans through Wells Fargo. After, I consolidated my loans. When the loans were consolidated, I was a nave XXXX year old, and, as most loan contracts or loan consolidation contracts are, this one was gigantic and complicated. Since having gone to law school, I now understand I would have no qualm about arguing the contract is defective for any number of reasons, e.g., adhesion, unconscionable, etc. Upon arriving at law school, I asked that Wells Fargo defer my loans. To this point, I had no idea the consolidation preempted my ability to consolidate in the future. However, I was informed that it had. The payments were over {$280.00} per month. The payments crushed me through school to the point that at the end of every semester I was unable to make this payment, or other payments. At the end of every semester I would call, and ask that the loans be put into forbearance. Every time Wells Fargo responded the loans could not be put into forbearance during school and that I would be charged late fees.
After nearly three years of XXXX school, and on the day after XXXX of XXXX, I called Wells Fargo to tell them I would not be able to make another payment, and they could call and leave as many messages as they wanted ( that a customer service rep wanted to talk about my account ), but I still would not be able to pay. Again, I asked for forbearance. Then, I drafted my first complaint to CFPB. Within days, Wells Fargo 's " policy had changed, '' and my loan was magically put into forbearance. If the policy did in fact change the day after CFPB notified Wells Fargo of my complaint, then I have no problem. This is doubtful. There are only two options. The first : Wells Fargo did not want to deal with my complaint, paid me {$56.00} for XXXX late fee, and put the loan into forbearance. That is good and well, except in that first scenario Wells Fargo lied in its letter about the forbearance. Second : At some point the Wells Fargo policy did actually change, my loan could have gone into forbearance, and every single time I called they missed it. I believe either scenario is deceptive. Please let me know if your agency can aid in this matter.
If not, misleading statements that violate state law, XXXX. XXXX XXXX. XXXX, are not preempted by the Comptroller 's jurisdiction. See XXXX XXXX Wells Fargo Bank , NA, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). Because I believe either scenario to be misleading, I would be willing to explore filing a state action should your agency not be able to help in the matter for whatever reason.
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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 PULLED MY CREDIT WITHOUT PERMISSION AND IS UNLAWFULLY REPRTING THIS ACCOUNT ON MY WIFES CREDIT REPORTS IN VIOLATION OF FCRA, FDCPA AND DODD-FRANK ACT.
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Company chooses not to provide a public response
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the problen is to my companyXXXXThe number on the card is XXXX this is with BB & T bank. A year ago they charged me XXXX for an overdraft and it should n't have happened but they withdrew a maintenance fee from my account which caused the amount to be lower. I do n't think this is fair they do it when they see you do n't have money. Previously before I made a payment out of the account I checked the balance to make sure I had enough. For my surprise I had overdrawn the account XXXX because of the maintenance fee that was withdrawn for {$15.00}. When I talked to the branch manager they returned the {$15.00} which put me in the positive. They still charged the overdraft fee. A year later I got a call from a debt collector that is charging me now {$60.00}. What is the government doing to regulate these institutions? In the past a bank XXXX took my property, along with the judges of the court. Now this bank is charging me this amount or they are going to report it to my credit. What is the government doing to stop these institutions from stealing money from consumers? This bank BB & T is proceeding in an irregular way, I ca n't communicate with them. The branch people do n't know what they are doing. I called the manager and they state they are going to return my call but they do n't. What phone number can I call to communicate with them?
XXXX This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? Cont 'd attempts collect debt not owed : Debt was paid
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Company chooses not to provide a public response
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When I logged into Bank of America Online Banking yesterday ( XXXX XXXX 2015 ), My checking account 's " Available balance ( as of today ) '' in the Account Summary showed a positive amount of {$250.00}. The same " available balance '' is represented in the " All Activities '' section of the Online Banking webpage. After I made a {$50.00} online transfer, my available balance remained positive at {$200.00}. At the end of day, my " available balance '' was {$190.00}. Including all pending transactions, my " available balance '' was still positive at {$40.00}. Today, XXXX XXXX 2015, I see an " overdraft '' fee of {$35.00} in my transactions, and my " available balance '' is not {$5.00}. When I call the bank to find out why they charged me an " overdraft '' fee, the representative claims that my " available balance '' went negative and directs me to the " Account Balance History '' section of the page.
This " Available Balance History '' shows that, at Close of Business on XXXX XXXX, my " Available Balance History '' was negative by {$12.00} and the bank charged me a {$35.00} fee. The " Available Balance History '' also shows that it is the {$50.00} online transfer that took my account into a negative territory. However, when I made that transfer, my " Available Balance '' ( shown here as " $ Statement Balance '' ) was {$250.00}. This " Available Balance History '' is only available on the next day and does not show all transactions until the end of the day. Meaning that as of today ( XXXX XXXX ), I can only access the " Available Balance History '' showing my " Ending Balance - XXXX/XXXX/2015 ''. Therefore, I could not have the information that my account was overdrawn when I made the {$50.00} transfer yesterday. I was misled by the bank to see that the other " available balance '' was sufficient for the transaction. Why would they then charge me an overdraft fee when the information available at the time showed that my account had sufficient money?
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Company can't verify or dispute the facts in the complaint
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I found this on my credit report without me even knowing.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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These alleged accounts opened without consent.
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Company believes complaint is the result of an isolated error
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We were advised in writing by Ditech of the incentive payment ( via principal reduction ) of {$5000.00} via the HAMP program for keeping our mortgage payment current for XXXX or more years. This principal reduction was given to us in XXXX, 2015, and then added back to our account balance XX/XX/2015. We feel Ditech has not acted fairly with us or communicated with us in writing about why this was done. We made decisions based on this principal reduction and did n't notice the {$5000.00} was added back on to our mortgage balance again until XX/XX/XXXX. We have been contacting the company since then and have just been verbally told that when the loan was sold by XXXX to Ditech, XXXX gave Ditech the wrong account numbers for this credit.
As we are now selling the home, we were told we would not ever receive this credit when this is sorted out if we no longer have an open account. But I contest this statement, as in fact we were already given the credit, and then it was retracted without explanation. Additionally, we met the terms of being current on the mortgage for the required time ( and more ).
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Company chooses not to provide a public response
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I was charged by Bank of America for an overdraft fee on an account which was not only ineligible for overdraft, but had funds in the account. This has been an issue in the past, but it has always been quickly resolved, due to its illegality. This time, I was informed there was nothing that could be done to resolve the overdraft and subsequent extended overdraft fees, leaving me with a balance of - {$53.00}.
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Company chooses not to provide a public response
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I was on a princess cruise in our room was a credit card brochure advertising 12 months interest free credit for onboard purchase and future cruise deposit. We applied onboard with cruise specialist who talked us into a future cruise deposit took our deposit and application. When we got home we started getting interest charges from the Barclay card who said the promotion was no longer valid when we opened the account even although it was sold to us under the understanding that the brochure was valid. XXXX says they will inform their staff that it is no longer valid. Barclaycard says too bad. Talk to XXXX
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Company believes complaint is the result of an isolated error
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i was contacted by the iq data international folks I was told by a rep that the property was purchased by a different company and that because it was owned by a new XXXX that they needed to cover the debt I agreed that I could make payments as I was doing previously then the next week I was contacted by a XXXX XXXX stating that I was needing to make a full resolution of the amount or they would make some thing bad happen when I inquired about the " next action '' I was told nothing I agreed to attempt to make a payment they withdrew an incorrect amount from my account throwing my whole account into turmoil when I had called before the check went through stating I could make part then and part in 2 weeks then he said ok then I was contacted XXXX by XXXX again stating that he was mad the check did n't go through and if I did n't rectify the situation then he would go forth with further collections activities when I asked for proof of the debt he said he did n't need to provide that
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Company chooses not to provide a public response
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US Bank mishandled distributions from and disposition of the IRAs of my mother who died XX/XX/2015. They failed to respond to my numerous requests for resolution. A description of the problem is attached.
This letter constitutes my formal request as personal representative of the estate of XXXX that the IRA minimum distribution of $ XXXX made by US Bank on XX/XX/2015 and deposited to USB checking account XXXX be reversed and redeposited to IRA # XXXXXX. Under IRS guidelines and common trust law, such distribution violated the terms of the underlying IRA agreement. It constituted an unauthorized distribution as ownership of the decedent 's XXXX IRAs transferred to her designated beneficiaries upon her death and neither beneficiary approved the distribution. In addition, the XX/XX/2015 distribution also violates the decedent 's IRA beneficiary designation since it pays $ XXXX to an account in the name of only XXXX of the designated beneficiaries, instead of paying equally to the XXXX designated beneficiaries.
BACKGROUND : 1. XXXX died on XX/XX/2015.
2. On XXXX XXXX 's date of death, she had XXXX IRAs with US Bank, IRA XXXX with a value of $ XXXX and IRA Account # XXXX with a value of $ XXXX. The designated beneficiaries for both accounts were her children, XXXX and XXXX.
3. After reaching age XXXX, XXXX XXXX had set up an automatic withdrawal of her annual IRA required minimum distribution.
4. On or about XX/XX/2015, I, XXXX, personally went to the XXXX XXXX XXXX XXXX US Bank and notified them of my mother 's death.
5. On XXXX X, 2015, my brother, XXXX, and I went to US Bank and provided a copy of the death certificate of XXXX to US Bank, XXXX XXXX branch.
6. During our XX/XX/XXXX visit to US Bank, XXXX and XXXX also discussed my mother 's IRAs with XXXX, a personal banker. XXXX called USB 's IRA department to notify them of my mother 's death and to assist him in preparing documentation to move my mother 's IRAs to my brother and I as beneficiaries.
7. On XX/XX/2015, the unauthorized RMD distribution of $ XXXX referenced above was made from my mother 's IRA.
8. Since XX/XX/XXXX, I have repeatedly been in contact with the XXXX XXXX branch office and US Bank customer service regarding this unauthorized transaction and the need to correct it.
9. The Bank has refused to reverse the $ XXXX distribution.
The reason US Bank has provided to me for their refusal to reverse the distribution - that the IRA department did not have knowledge of XXXX XXXX 's death until XX/XX/2015. I find this hard to believe. Staff at the USB XXXX XXXX branch have confirmed receipt of my mother 's death certificate XX/XX/2015. Branch staff has acknowledged contacting the IRA department about the death. Am I as a bank customer really required to notify each internal bank department of my mother 's death? Since US Bank is one corporation, the single notice of death provided on XX/XX/XXXX ought to be sufficient for the entire organization. In addition, I heard the XXXX XXXX branch employee speaking to the IRA department on XX/XX/XXXX. There is no excuse for their not noting the death on their records.
When I asked US Bank about the social security number under which the XX/XX/XXXX distribution would be reported, I was told that it would be reported under XXXX XXXX 's SSN and that this was acceptable because a final Form XXXX would need to be filed on her behalf for 2015. Not only is this response inaccurate, but it encourages tax fraud since under IRS rules the final return of the decedent only includes income through the date of death, not income distributed in this case three and a half months after death and three months after US Bank had been notified of the death.
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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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Regarding my fico score.. For the last several months my fico score was XXXX with XXXX late payments reported on my credit bureau report. I disputed all XXXX lates because they were a result of bank error. Recently one of my creditors reversed the late payment reported to the credit bureau file and i now only have XXXX negative trade lines reported to my credit bureau file and as a result my fico score went down to XXXX. So to recap..my fico score was XXXX with XXXX lates reported and experian credit bureau dropped my score to XXXX with XXXX lates reported. So i called experian at XXXX on a authorized recorded phone line to find out why my score was lowered without any furthur negative trade line reported and the rep. Was not able to provide me with an answer at all instead reffered me to callXXXX for furthur assistance but the number is useless to me as it does not provide me with any assistance to my issue at hand. So now i dont know why my fico score was lowered and it deprives me of my rights to dispute the recent decrease of my score and without an explanation. I have a copy of the authorized phone call to experian but am unable to upload it here. Please contact me if you have any questions which i hope you will..its as if its backwards when a negative line gets reported the score lowers. But not when a negative line was removed and instead of XXXX negative lines you now have XXXX and it lowers your score. How does that reflect my financial character and history? Please help..it has placed my plans of applying for a business loan to better my families future on serious hold and i feel like there is nothing i can do.
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Company chooses not to provide a public response
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XXXX XXXX OR XXXX ' XXXX, XXXX ( SON ), OPENED A RABOBANK N.A., XXXX XXXX, CA., ACCOUNT # XXXX, ON XXXX XXXX XXXX FOR HIS FATHER XXXX XXXX XXXX ' XXXX ( VICTIM ), [ ACCT. SSN/TIN XXXX. ] ; XXXX, PARTNER IN A 'FAMILY CONSTRUCTION BUSINESS : XXXX XXXX XXXX & XXXX '. THE SON WAS AN 'AUTHORIZED SIGNER ' ON VICTIM 'S ACCOUNT. JUST PRIOR TO THE SON PASSING ON XXXX/XXXX/XXXX, VICTIM THOUGHT THE SON 'S WIFE [ XXXX XXXX XXXX. ] ( SUBJECT ), TRICKED VICTIM INTO BELIEVING SHE WAS ADDED TO HIS ACCOUNT AS A 'TEMPORARY AUTHORIZED SIGNER ' TO MAKE THE CURRENT AND SUBSEQUENT MONTHS PAYROLL & INVOICES [ UNTIL SHE LEARNED THE ACCOUNTING PROCESS AT ANOTHER BANK OWNED BY THE SON. ]. IN FACT [ SUBJECT ADMITTED TO FORGING VICTIM 'S NAME SEVERAL TIMES. ], SUBJECT OPENED A NEW RABOBANK XXXX ACCOUNT # XXXX, ON XXXX/XXXX/XXXX - BY IDENTITY THEFT : NAMING HERSELF AS 'OWNER ' OF THE NEW ACCOUNT AND VICTIM AS AN 'AUTHORIZED SIGNER ' ; USING, VICTIMS SSN/TIN XXXX, AS THE NEW ACCOUNT TIN. WHILE SUBJECT DID MAKE PAYROLL ; SHE, WITHDREW {$70000.00} ON XXXX/XXXX/XXXX FROM THE XXXX ACCOUNT ; AND, {$61000.00} FROM THE XXXX ACCOUNT [ KEEP IN MIND, VICTIM WAS XXXX YEARS-AGED AND AT THE HOSPITAL AWAITING HIS SON 'S DEMISE. ]. SUBJECT, THEN WITHDREW {$31000.00} ON XXXX/XXXX/XXXX AND CLOSED THE ACCOUNT. THE BANK NEVER NOTIFIED VICTIM THAT HIS ACCOUNT HAD BEEN TAKEN OVER BY SUBJECT ; AND, HAD VICTIM SIGN A SIGNATURE CARD ON XXXX/XXXX/XXXX ; LEADING VICTIM TO BELIEVE SUBJECT WAS 'TEMPORARILY ' PUT ON HIS ACCOUNT AS AN 'AUTHORIZED SIGNER ' TO MAKE PAYROLL. FURTHER, SUBPOENAED BANK RECORD AFFIDAVIT DOES NOT SHOW SUBJECT AS THE OWNER OF ACCOUNT XXXX ; AND, THE BANK WANTONLY FAILED TO NOTIFY ADULT PROTECTIVE SERVICES [ AS MANDATED. ] OF REASONABLY SUSPECTED ELDER FINANCIAL ABUSE. UPON SEEKING REIMBURSEMENT, THE BANK HAS ASSERTED THE STATUTE OF LIMITATIONS. WE WOULD LIKE TO KNOW IF THE BANK HAS INSURANCE UPON WHICH A CLAIM CAN BE MADE. THE ONLY OTHER WAY TO OBTAIN VICTIM 'S MONEY IS BY AN EQUITABLE SUIT BROUGHT BY THE GOVERNMENT TO PROTECT A RIGHT [ AND SINCE VICTIM REPRESENTS AN ELDER CLASS NOT PROTECTED BY THE STATE - A PUBLIC RIGHT. ] ; AN, ACTION AS A PRIVATE ATTORNEY GENERAL IS NEEDED AS THE STATUTE OF LIMITATIONS OR DOCTRINE OF LATCHES DO NOT APPLY UNDER SUCH SUITS. CAN YOU REPRESENT OR HELP XXXX XXXX, NOW AGED XXXX RECOVER HIS LIFE 'S SAVINGS. I PRAY YOU CAN HELP CR.
XXXX XXXX, ADVOCATE FOR XXXX XXXX XXXX, XXXX XXXX DETECTIVE AGENCY CA STATE LIC. NO. XXXX XXXX XXXXXXXXXXXX XXXX XXXX
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Company chooses not to provide a public response
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My identity has been stolen. I 've gotten letters from XXXX saying I owe {$85.00}. I called XXXX and they said I do n't owe them anything, and I have n't been on there for awhile. My last letter was from a collection agency called Allied Interstate.they gave me 30 days to pay them, but I do n't owe XXXX. I called collection agency he answered Hello. That was not how you answer the phone as a collector. He was XXXX I barely could understand him. He had my address and he said " is your address right ''? he said is that a yes.? I hung up the phone. The number I called that was on the letter was 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 sent a letter and among other issues asked that inaccurate late pay information be removed from the payment history on a mortgage I had with XXXX # XXXX. They deleted the ENTIRE trade line instead!!
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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These XXXX companies have been calling my home phone number constantly trying to collect debt for other people. Usually its a member of our family but now they 've started calling trying to collect debt from the person we recently bought our house from. She NEVER had this phone number.
XXXX XXXX XXXX XXXX XXXX Receivables Perf XXXX XXXX XXXX Neither myself or my husband have any debt collection issues. These people harass us constantly for debt that does not belong to us.
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Company chooses not to provide a public response
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I HAVE NO IDEA WHAT THESE CHARGES ARE FOR. I HAD XXXX SERVICE IN XXXX 2009. MY PLAN WAS UNLIMITED TALK TEXT ETC. AROUND XXXX XXXX 2009 THEY BILLED ME FOR SOME OVERSEAS CALLS CONCERNING A COMPANY NAMED XXXX XXXX??? WHICH I NEVER HEARD OF AND THE AMOUNT OF THE FRAUDULENT CHARGES WAS ALMOST {$300.00}. I DISPUTED THESE CHARGES VEHEMENTLY BUT THEY WOULD NOT REMOVE THEM AND DID NOT PERFORM ANY TYPE OF INVESTIGATION. I CANCELED MY SERVICE AND I DO N'T KNOW HOW OR WHY THEY ARE REPORTING THIS AMOUNT AS MY DEBT.
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Company disputes the facts presented in the complaint
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I been receiving harassing and threatening telephone calls and XXXX threats from representatives from Rushmore Service Center in regards to XXXX XXXX account and debt of {$400.00}. I have never applied for or opened a credit card account with XXXX XXXX. The account is unauthorized and fraudulent. I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX
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Company chooses not to provide a public response
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I hAve XXXX hard inquiries that I have not done.
XXXX transunionXXXX XXXXSays made XX/XX/2015Please Investigate and take off my report. I am trying to fix my credit not damage it.
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Company believes it acted appropriately as authorized by contract or law
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They took my money via wire transfer and promised a recast of my mortgage and did not do what they said they were going to do. It has been 3 months of fighting with them to correct the new payment amount. They lie, say there is no recast department however their forms sent on their letterhead states Att : Recast ; they say they never received the forms, I sent the tracking slip from the post office showing they received it ; they state they never received my emails but when I log into THEIR online messaging system it shows all of my emails to them along with their generic auto response : Thank you for contacting Nationstar a customer service representative will contact you '' which they never do!. They drop my calls and refuse to help, they are predatory lenders. To date, I have spent several hours on the phone with them as well as faxing and emailing them with no response or help whatsoever.
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Company believes it acted appropriately as authorized by contract or law
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This is with regards to XXXX/Mohela account # XXXX.
Last month I refinanced and consolidated XXXX of my student loans into XXXX. In doing so, XXXX estimated the payoff $ amount, which ended up being {$120.00} higher than what was needed to pay off the old/refinanced loans and caused the loan balance to turn negative by this amount. On XXXX/XXXX/2016 I sent a written request to XXXX/Mohela through the message center on their website, asking them to promptly refund me the overpayment. They replied on XXXX/XXXX/2016 and said, " Thank you for contacting MOHELA. According to our records, you will have a refund in the amount of {$120.00}. We will initiate the refund process 21 business days after the date the payment posted to our system. After the waiting period has passed, a check will be generated and mailed within 2-3 business days to the address on file. If you have any questions please contact MOHELA XXXX XXXX at XXXX or via secure message. '' I was very upset about this response, because XXXX/Mohela 's practice of requiring such a waiting period and not refunding the overpayment is hurting me. Effectively I am paying interest on the overpayment, which is in the form of the new loan, while not getting the benefit of the funds. I believe that XXXX/Mohela has such a practice in order to maximize their liquidity at the detriment of the little guy - the student loan borrower. Why should they have a right to my cash? They have the administrative power to process extra loan payments within just a few days - why do n't they refund within just a few days?
I responded to XXXX/Mohela 's response on XXXX/XXXX/2016 and explained the above as well as re-requested a prompt refund. It is now XXXX/XXXX/2016 and I have yet to hear back from them. I am concerned not only for myself, but also for the many other student borrowers who are being harmed by this practice. They should promptly refund any negative loan balances!
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Company chooses not to provide a public response
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Experian are willfully reporting inaccurate information on my credit report Acct XXXX # XXXX XXXX # XXXX I disputed XXXX accounts they were showing open and delinquent past due. After the dispute it now states zero balance and closed. I Also disputed with XXXX and they removed /Deleted off of my credit report. All XXXX Credit bureau 's need to report the same information but Experian Has not Remove/ deleted the item.
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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/2015, I opened a Money Market Account with Santander Bank and was told by XXXX different bank managers that the account would earn .90 %. Each month I have logged on to the bank 's web site ( which has continually advertised .90 % ), to deposit additional monies to that account. When I received tax information regarding the interest earned for 2015, I began to question whether I had in fact been getting .90 %. I spoke with the local branch manager and was told that .90 % was a promotional rate, that I received for an unspecified amount of time, and now this account was earning .40 %. At no time was I told this was a promotional rate, nor was I told that the .90 % rate would apply for a limited time only. I could not find any information to that effect on their web site. In fact, Santander has continued to offer the same .90 % rate all this time. I feel that this is unfair and deceptive advertising. I would not have put my money into their money market account had I known the rates would change at an arbitrary point in time unknown to me. Furthermore, at no time was I given access/information as to the actual interest rate the account received. I feel that they were not clear in their business practices and they solicited my business under false pretenses.
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Company chooses not to provide a public response
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I noticed that I see Credit Acceptance on my credit report but I never encounter making a deal with them on a car. I recently received papers on being sued for a car that I never acknowledge that was mine. They provided a copy of the paperwork that was signed and my name was signed but I never had a car. I do n't understand what is going on. After receiving threatening calls ; I had to change my number because the harassment kept continuing after i told them that I did n't sign for a car. Since changing my number the calls have been coming again, but now they are using a " Blocked '' or " Private '' number.
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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 had my cell phone number for 5+ yrs and suddenly started to get collection calls for someone I do not know. At first I was understanding and simply notified Barclay 's card XXXX that they had wrong number and to update and remove my number. Barclay 's card of XXXX always say they will comply with my request to remove my number and stop calling me. I currently get calls from Barclay 's every other day and I receive harassment regularly. I had to threaten FTC involvement just to get them to tell me who they are. they then told me they wo n't stop because they use auto dialer. I have received over 30 calls from them and asked to be left alone, however, they say that they will not stop because they do n't have my number as a primary number. They advised me that the unwanted calls will continue even through they acknowledge that they are calling the wrong person. This is incredible to me.CAN SOMEBODY PLEASE GET BARCLAY 'S CARD USA TO STOP CALLING MY PHONE AT XXXX AND THROUGHOUT THE DAY LOOKING FOR SOMEONE I DO NOT KNOW?
I ca n't understand why they have a policy of refusing to identify themselves unless threatened with legal action. And i thought auto dialers were illegal in California? I ca n't understand how Barclay 's Card XXXX would tell me that they wo n't stop calling me because they ca n't find my account ( I NEVER HAD XXXX ) and this is somehow my fault this issue is happening.
I really need help here ... .30+ calls and counting up to and including as i am writing this letter with them saying they wo n't stop is unacceptable harassment.
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Company chooses not to provide a public response
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I bank with Regions bank. I overdrew my account by {$26.00} purposely to get gas to go to work until payday on XXXX. XXXX. I expected this. On XXXX XXXX I checked my account on the regions bank mobile app it was negative {$210.00}. I was enraged. I immediately called the bank. The CSRs brushed the situation off saying there was nothing they could do. I had to get out of my character just to talk to a manager. He was also rude accused me of lying and opting in to overdraft coverage to take money when I did n't have it. I exploded, I was insulted I have been with this bank for at least XXXX years and never felt so disrespected. He finally agreed to refund {$100.00} of the fees and said he would notate the account so they would not credit the rest of my fees. I told him I would be in contact with my lawyer and hung up the phone. They rearrange transactions to take money from their customers. All of the dates on my transactions changed to reflect negatively and overdraft my account. This is flat out robbery!!
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Company chooses not to provide a public response
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Our house went up in smoke in XXXX 2009, after a year and a half, we put the property up for sale with a signed contract with a Realtor. The balance was suppose to be paid off with the Insurance money put into a separate account. The mortgage Company XXXX refused to move it to the payoff, because the left hand knew nothing about the right hand. It put us in a negative for 3 consecutive months, after several calls to the Insurance Department and doing exactly as they asked us to do after each and every call. They found the error and corrected it, and apologized for their mistake. They also charged us {$30.00} for each and every time the Title Company called for a payoff balance. 8 months later we were notified that the original mortgagor GMAC XXXX filed for Chapter XXXX. When the new mortgagor took over XXXX XXXX XXXX, they only had the paperwork for the loan which reflected only the 90 days late and nothing else. We keep disputing it and get nowhere. This also reflects a 30 day late with our Equity line of credit XXXX. We wanted a 30 day close on the property but because of the mishap with XXXX it reflects XXXX. We want it changed on our Credit Reports is all. We are not asking for it to be removed just changed to reflect a positive, because we were on time each and every month for the 32 years we had the loan with XXXX while they were our 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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Good Morning, I am currently on someone else 's account with XXXX. I inquired with XXXX to have my own account so that I can start building credit after having been hit with Identity Theft and having it cleared. After speaking with XXXX they said that it would be a Soft Inquiry and not a Hard Inquiry and it would be great for building credit. I said ok and they told me that they needed a special pin from Transunion as I have a credit freeze on all XXXX Credit Bureaus due to Identity Theft to gain access to my credit file. After getting a pin I would have to wait 72 hours before they could run my credit. After the 72 hours have passed I contacted XXXX so that we can start the process. They said that the pin did n't work and that I would need to contact Transunion to allow XXXX to gain access. I contacted Transunion who explained that the pin is fine. I called XXXX back and they said to see if I could get another pin, because the pin they have is n't working. I contacted Transunion to get another pin. I waited another 72 hours before contacting XXXX to try to get the change of responsibility up and running. XXXX told me that the pin still did n't work to again contact Transunion. After calling Transunion, they told me that they have given XXXX all the access that they needed and the only thing left is a XXXX XXXX for a certain amount of time. I said ok and contacted XXXX who said that I would have to wait another 72 hours before they can run my credit. The 72 hours passed again and they still could n't offer me my own account. XXXX told me to contact Transunion to find out why they are not allowing XXXX to gain access to my credit file. Transunion said they gave XXXX all they could and there 's nothing more to give access to that they have n't given already. After talking with XXXX they offered to go to another credit bureau to check my credit and I declined after what I dealt with already. I got an alert from XXXX that said that I got hit with XXXX Hard Inquiries from XXXX for XXXX separate dates when I was specifically told that it would be a Soft Inquiry once to begin with. If I would have known it would be a Hard Inquiry from the start I would have said no to the change of responsibility. I called XXXX to request to have the inquiries removed in which they said they ca n't be removed by them, but to contact Transunion to have it removed. I called Transunion requesting the inquiries be removed, but they told me that they would need a letter from me requesting the inquiries be removed as well as a letter from XXXX on company letter head or an email. I got an email from XXXX requesting the inquiries be removed and I typed a letter which I immediately sent to Transunion so the inquires can be removed, but Transunion needed the dates the inquiries hit my credit file to be in the email. I typed up a revise of my letter to send via fax and I asked XXXX to revise the email with the dates that they sent me and that it should be sufficient enough. XXXX claims that they ca n't send emails like that and that I would just have to wait for the inquires to fall off or contact Transunion and file a dispute. I was giving incorrect information when I said every step of the way I did n't want any Hard Inquiries due to having had Identity Theft and that I was in the process of building credit. This is affecting me greatly as I was on the path of obtaining a house, but with these Hard Inquires that dream wo n't happen until it is removed.
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Company chooses not to provide a public response
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All XXXX credit agencies have incorrect information regarding my current address. They also do not have an accurate history of my employment. XXXX has not been updated since XX/XX/XXXX. It is difficult to say how these inaccuracies are influencing my credit score. While I have a rating of XXXX on XXXX, I have XXXX on TransUnion and XXXX on XXXX. ( In XX/XX/XXXX it was between XXXX and XXXX. XXXX is the most accurate. ) The gap is significant and without question will affect my ability to apply for loans and credit cards, as well as seek employment. I only have XXXX account with a potentially negative report, due to a late payment in XXXX XXXX. Other than that, there is nothing that should negatively effect and cause a significant drop.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response
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My account is being handled by XXXX XXXX XXXX XXXX and is being reported as over 90 days late. Trying to have reported as current and willing to pay to bring under 90 days and receive proof via fax by Barcley Bank is not being done, transfered and given differant information.
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Company chooses not to provide a public response
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I was an XXXX for a company and 17 months after starting with them. They ran a credit report on me without telling me an without my authorization.
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Company chooses not to provide a public response
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This is my 2nd complaint to the CFPB on Bank Of America ... My Home Modification that was offered is a Predatory Loan. BOA conducted a appraisal on the home with the value being {$200000.00} they are offering me a modification of {$360000.00} which is over the market value of the area. I have sent and appealed numerous times. I signed the loan offer under distress because I am tired they are charging me the back fees on the loan which the original amount was {$250000.00} and I filed a chapter XXXX bankruptcy which has been discharged for the pass balance or the total balance for that matter and I keep explaining that to them. So now they have sold the loan and they keep resending the paper work and wo n't accept it because I put under distress under my signature. This is very wrong ... I am trying to keep my home, I have made all the trial payments and feel like my hands are tied, but I do n't think this is a proper practice when they are selling the exact same homes for {$190000.00}. It is highway robbery!!! They should not be able to take advantage of the middle working class. I fell behind on the mortgage because my husband picked up and left without notice and the payments where already behind and I was unaware, then I found out that I was pregnant and I could n't afford the mortgage payment on my own. So if the house was never worth {$360000.00} and the current value is only {$200000.00} and they are selling between $ XXXX {$190000.00} how will I ever come from under that? I have sent comparable listings, their listings, and their appraisal that they ordered and they are still requesting that I sign into this loan. I have XXXX young children and do n't want to start over. They are putting the balance on the end of the loan as a balloon and restarting the loan on a 40 year term to make the payments affordable. But I feel that this is unjust and that a bank as big as Bank of America should not treat people this way. If I moved they would only get {$190000.00} for this property on top of have to spend between $ XXXX {$20000.00} to make it move In ready. I need help ... ..
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Company chooses not to provide a public response
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My account was charged overdraft fees for several years without my consent into the program. When I learnt of the Cfpb rule on this practice, I contacted the bank to show me the single page opt-in consent form that I should have signed according to the cfpb rule but they could n't.
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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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After citibank pulled out of MA, I called the customer support line to have my account closed and mail me the check on XXXX XXXX, 2016. I was told that would take 5-7 business days. However, after 2 weeks not receiving the check, I called again on XXXX XXXX, I was told check was mailed out on XXXX XXXX, but they mailed to my old address, which I do n't understand because I have been receiving citibank statements in my new address for a few months already. I asked them to stop the old check and reissue me a new XXXX to my new address, which I gave to them over the phone. They said ok. However, after two weeks, I still have not received it, so I called again on XXXX XXXX, asking them to stop the old check and re-issue me a new one to my new address. I have to give them my new address one more time over the phone, since their database still seemed to have just the old one. Again, they asked me to wait for 5-7 Business days. Still no check, so I called again on XXXX XXXX, repeat the same thing, being told the same. Again, on XXXX XXXX, I called, repeated the same thing again, being told the same again. However, on XXXX XXXX, when I called again, I was told, " we have sent you the check on XXXX XXXX, and you have cashed it on XXXX XXXX ''. I said I never received the check, how can I have cashed it? then the person said, " well, if you have not cashed it, you will need to prove to us you did not cash it ''. That made me really mad.
What kind of customer service is that?
I have been calling so many times, saying I have not received the check, now you are saying I have actually cashed the check?
I asked them to send me a copy of the check, which they did.
The check was not signed.
How could citibank release fund when the check was not signed? I asked.
the person said, " well, if that was your own account, we did not require you to sign it to cash it. " How ridiculous is this?
Now they have handed me over to their Dispute Department, because it was a " dispute amount '' according to them.
I think there are so many mistakes they have made : 1 ) Sent the check to my old address while my statements are sent to my new address. why they did not check my most-up-date address while issuing the check?
2 ) customer service is not doing their job at all, as there was plenty time to stop the check. ( recall the check was cashed on XXXX XXXX, and I have called twice in XXXX to ask stop the old check and send a new one ) 3 ) Some people in Customer Service is not professional at all with that kind of remarks and tone.
4 ) Citibank has huge security flaw, how can the fund with amount of $ XXXX be released without the check being signed with ID verification?
5 ) It should be so easy for citibank to follow through this check and see where/who has cashed it. yet, now instead they want me to prove to them I did not cash it by post mail me the Affidavit, which could take at least another week to arrive.
What bureaucracy is this?
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