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Company chooses not to provide a public response | I began receiving letters regarding an old debt from nearly 20 years ago that I was certain I had paid. We had a flood, and I had no documentation to prove it, so when I got the phone calls, I told the agent that I would look into it before paying. He said, " Well, go ahead and pay now and if you find that you already paid, we will refund your money. '' I told him no, but that I would look into it. It was for a XXXX bill of XXXX. I called XXXX today ( XXXX ). They said I do not owe them the bill. They also would not have allowed me to start my cellular service with them in XXXX had I had a past due amount with them. They ran a credit check on me in XXXX. Today they checked again using my social security number and maiden name and have no record of me owing them at this time. I was sure I had paid it, and settled for around 400 when I did. I called Dynamic Recovery Solutions today, spoke to a supervisor and told her what happened, that her employee tried to have me pay before checking things out, and that the bill is not even legitimate. She said I needed to dispute it. I told her that they did n't get my information from XXXX, and I contacted them directly, and that I am not engaging in this. Especially with a company that may not even be legitimate, and trying to get people to pay when they should n't. She also told me they fired that employee, XXXX, which was a lie, because he called me today at XXXX from the number XXXX and left me a voicemail stating that we had spoken before and that I need to call him back as fast as humanly possible.
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Company believes it acted appropriately as authorized by contract or law | This company " XXXX XXXX XXXX, XXXX '' from XXXX, SC XXXX, is been calling my personal cell phone # from different and also unreachable phone numbers trying to claim that I owe a balance to bogus accounts and to companies like XXXX that I have never contracted any type of services with.
They have also sent me letters in the mail stating the same false information regarding a current balance on my name and attempting to settle that balance with me for a less amount of money that what they 're saying I allegedly owe.
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Company believes it acted appropriately as authorized by contract or law | XXXX XXXX XXXX and Couch, Conville and Blitt - all attornies have continuously and repeatedly harassed me to collect a debt. I 'm not sure if this debt is a credit card company or some other debt. They have dragged me into court and garnished my wages as well. I do n't owe this debt, yet they continue to badger and harass me trying to collect the debt. Their undue harassment is beginning to affect my state of mind.
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Company chooses not to provide a public response | Bank of America abruptly and without warning closed my credit card account after 16 years. I called to find out why and was told they reviewed my credit report and decided to close the account. My account was and is in good standing with timely monthly payments. 16 years of an account in good standing. How can BOA close it abruptly without any cause?
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Company believes it acted appropriately as authorized by contract or law | XXXX XXXX XXXX was the original mortgage company for my home loan three years ago. I was going through major hardship after my divorce when we went from a healthy XXXX income to a XXXX income. I was also in transition in my work. I knew trouble was coming, so I contacted XXXX XXXX XXXX. They told me that I had to be in default before they could work with me to modify my loan. In another three months, I was in default, so they started to offer assistance. It took 18 months before they approved me for what they called a loan modification, which an attorney told me clearly was not. XXXX XXXX XXXX made " clerical errors '' and " forgot '' to include escrowed charges into my monthly payment. They apologized, but there was nothing they could do. I was now in default of my " loan modification. '' However, that did n't matter, because at that same time and though I had paid {$12000.00} to XXXX XXXX XXXX over a period of six months during the supposed trial period, XXXX XXXX XXXX sold my loan or handed it over to a servicer, Select Portfolio Servicing , Inc. ( SPS ). Once I learned of that transition, I contacted SPS and entered into a loan modification process with SPS. At first, I thought SPS would help me, but now I feel strongly that they were playing games. While legally allowed to do so, every 60 to 90 days, they contacted me to tell me a new program had opened that I might be a fit for and that meant we would have to close the current process down to allow me to apply for the new program. I trusted them. I thought they must know better than I the homeowner does. So I agreed. Every few months this happened until we were entering our second year. At that point, we tried what I believe was the HAMP, and was declined. So we kept submitting paperwork. In XX/XX/XXXX, I hit a wall with SPS. It felt as though they were stringing me along, but I did n't understand why. In XX/XX/XXXX they said I did n't earn enough money at {$6000.00} a month. In XXXX they said I earned too much money at {$7000.00} a month. I called to ask them what income they would need to allow me a modification and I could not get a straight answer. I began my search for a law firm to help me in my loan modification and communication process. In early XX/XX/XXXX I signed an agreement with XXXX XXXX XXXX in XXXX XXXX to help me structure the loan modification application and help me communicate with SPS. The representatives at the law firm got the same runaround as I had gotten from SPS. However, a new twist was added and I was once again financially XXXX. I was n't earning what I had been, which threw a wrench into the works for the process. We are now coming to the XXXX appeal, according to SPS. My financial situation has improved and SPS should consider my income over an average of 6 to 12 months to get a clear picture that I can pay {$2500.00} a month in a new loan. I own my own business and freelance. That means I do n't receive a paycheck like a W2 employee. But I can certainly pay my bills. I paid for both a legitimate home inspection and a legitimate home appraisal, which comes in about {$100000.00} less than the appraisal SPS continues to use in my paperwork that was provided to them via drive-by appraisal tactics. I HAVE REQUESTED VIA MY ATTORNEY THAT SPS CONSIDER THE APPRAISAL AND HOME INSPECTION REPORT, BUT TO THIS DAY THEY HAVE NOT. For two years I have asked for XXXX things : Please give me a loan with reasonable terms, remove some or all arrears that make this loan too much to bear, and give me an affordable monthly payment ( which with escrowed HOA dues, taxes and insurance would be about {$2400.00} - {$2800.00} a month ).
I feel like I have been victimized by SPS and a very broken loan modification process that was put in place to help people in hardship keep their family homes. What I have come to realize is that the program and servicers help very few people.
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Company believes it acted appropriately as authorized by contract or law | Have XXXX separate acounts from Collect tech a local collections agency # XXXX # XXXX # XXXX # XXXX have called on several occoasions last date XXXX/XXXX/2015, spoke with XXXX XXXX and a guy names XXXX who both were VERY rude and refused to help me resolve this issue. Since recieveing the bills intially I advised the collection agency that I had primary and XXXX coverage. None of My EOBS or explanation of benefits have ever showed a patient balance. I believe there was a billing error and that was not a result of me not providing or having verifiable insurance. This was during a XXXX and I have no outstanding bills in regards to the XXXX and other monthly visits. I have tried to dispute this information several times and it remains as they only verify the balance and if the debt is in my name. The insurance has been provided to the hospital and I have offered to send to the collection agency. They have refused the documentation. The original debtor XXXX XXXX center ( XXXX ) has verified the information was provided and on file. They are unable to remove the debt as my account is with colletech now.
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Company chooses not to provide a public response | They use a robo phone to contact me and threaten mme with a XXXX year old debt that 's not even mine.
They harass me all day and will not provide any documentation as to what the debt is XXXX on a Visa card??? That 's what they say I owe. That 's fraudulent
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Company believes it acted appropriately as authorized by contract or law | our son ( XXXX. ) old incurred the debt and the collections company is attempting to collect from us his parents who had nothing to do whatsoever with said debt.
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Company believes it acted appropriately as authorized by contract or law | I have struggled throughout the entire life of my mortgage. I borrowed from XXXX, and other investments to help with moving costs, and other home owner expenses through out the years for this mortgage that I qualified for somehow. I bought the house in XX/XX/XXXX/XX/XX/XXXX timeframe. I got XXXX XXXX in XX/XX/XXXX, thankfully no signs of it returning and grateful for that. Had to work a lot of overtime after company reorgs and downsizing after the financial meltdown economic disaster. I had to use XXXX in XXXX and XXXX for XXXX XXXX issues. Got fired in XXXX XXXX and just started fulltime employment 3 months ago which is good and I am very thankful for. But it took a while to find a job so I had to apply for state aid after unemployment ran out, I move out of the house. My kids moved to their dads. My mortgage originated with XXXX ( FHA XXXX ), then, XXXX XXXX XXXX, and after that XXXX, XXXX, possible others ( XXXX XXXX ), have had it. For over a year now, I have been in constant struggle to avoid foreclosure with the XXXX Co. I 've had offers on the house because it has been listed almost a year now, but have hard time reaching them, or I need to refill forms out, etc. Another financial hardship I 'm working on is my taxes. I 'm in the process of paying tax attorney company to represent me.
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Company believes it acted appropriately as authorized by contract or law | I attended a hospital that was " in network '' due to an emergency back in 2013. This hospital was in-network and selected by myself as we could not afford additional costs associated with non-network service providers. My insurance company at the time was XXXX of AZ.
During my procedure that followed the emergency room admittance, and without my knowledge or consent I was treated by an non-network anesthesiologist. Later determined as XXXX XXXX. Neither the hospital or XXXX XXXX informed me in advance that he was out of network, and at that time I had no reason to suspect otherwise.
After the procedure was completed, I was presented with bills from XXXX XXXX that we submitted to my insurance company. On review of the bills by my insurance company, they rejected all due to XXXX XXXX being a non-network provider and stated that I was responsible for it in full. I challenged this as I understand also ( By research ) that there are laws to protect me in this situation. The insurance provider said that they will re-process the charges for payment and requested a co-pay from me ( $ XXXX ). About 2 Months ago my insurance company reverses the decision and issues a refund of my co-pay with no explanation.
Almost immediately XXXX XXXX proceeds and refers the file to lawyers for debt collections and the pursuit of payment of {$1400.00} and through the lawyers they are threatening legal action and legal judgement against me. I challenge the lawyers because of the events and that I did not agree to these services being performed by him directly and explained everything as I have outlined. The lawyers response was to continue to intimidate and threaten legal action and also referenced that I collected a check from the insurance company ( which was Actually the refund of my co-pay ).
I proceeded and paid the lawyers ( Under duress due to the continued threats ) the amount in full.
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Company chooses not to provide a public response | I always pay my credit card on time. I logged in to see that my Bank of America credit card had a larger balance than normal. My initial response was to pay it off quickly. I then looked into the account further and found a fraudulent claim. The bank put a dispute in and gave me a new card. I also said that I had just made a payment and would like to have that sent back to my bank account. They told me they could not do that. What they could do was send me a check in the mail. They did this and I deposited the check. This was in XXXX, 2014. At the end of XXXX I had a mysterious charge on my credit card called credit readjustment. I called in to ask and they said they did not understand this and would investigate. Investigation, they said, should take XXXX hours. I had to call for over a month to see why no one got back to me. I wanted someone to contact me and explain. I had a folder on my computer filled with all of my statements so I was prepared when they called. No one ever explained except to say that they supposedly sent me a check, but also credited my old credit card account ( which I do not have access to see anymore because they gave me a new card ). I found this strange that they not only told me they were unable to issue me a refund, which is why they sent me a check in the first place, but also that it took them a month to tell me anything and I had to be the XXXX to follow up with them. Now I am unable to see my credit card account online and can not even pay anything off. I do not make a lot of money as I am starting my phd this fall and keep track of my money well. I can not afford to have a large charge come out of left field and no XXXX there is willing to even reduce the fee even though this was all their error to begin with.
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Company chooses not to provide a public response | I was at the airport and was approached by a XXXX Airlines representative who offered me a free club to earn airline points. He never mentioned a credit card application, credit card fees, or, in fact, the words " credit card '' at all. He asked several questions which I unfortunately answered. After answering several questions, I began to suspect that I was unknowingly applying for a credit card, so I stopped answering questions and said I did not want to apply for the card. He agreed to cancel the application and I thought he had, until XXXX weeks later when I received a credit card.
I cancelled the card through Bank of America ( not the problem company ). When I cancelled the card, the Bank of America representative told me that the credit card has an annual fee. The fee was not disclosed by XXXX. She suggested that I call XXXX to complain.
After calling XXXX and navigating a menu clearly designed to prevent contact with a person, I eventually reached soneone who told me I could n't talk to a manager because I had to complain with the airport staff. When I objected to this, I was told that I could submit a complaint through their website. When I asked if I would get a response to the complaint, I was told that I would get a website-generated confirmation that my complaint had been submitted, but I could not get an answer when I tried to find out if I would get a response from an actual person who had read the complaint.
XXXX processed an application for credit in my name without my consent then did not allow me to speak with anyone to complain or to try to resolve the problem. I do not know if they are going to charge me the annual fee for the credit card for which I did not apply.
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Company believes it acted appropriately as authorized by contract or law | This company, XXXX XXXX XXXX, XXXX, ID Phone Number : XXXX, keeps calling me after being told numerous times that the person they are trying to collect a debt from DOES NOT LIVE AT THIS HOME AND THIS IS NOT HIS PHONE NUMBER. I contacted them and asked for a supervisor after the calls continued. I informed the " supervisor '' that I had asked numerous times for them to stop calling me, and that the person they are trying to reach does not live here. He said he would remove my phone number from the file. I am still getting calls from them, but now they are blocking the caller ID in an attempt to disguise themselves and get someone to answer the phone, I know this because I answered it and it was Source Receivables Management. I WANT THIS STOPPED.
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Company chooses not to provide a public response | I opened a account with Union bank and they put a hold on all my funds and refuse to release them or give me any information on whats going on
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Company chooses not to provide a public response | I had a Citibank Credit card that was included in a discharged bankruptcy. I accidentally made a payment to that closed account through online banking. I am XXXX and sometimes have trouble with my XXXX. After the money was taken from my account I spoke to the bank and found out what happened. I immediately contacted Citibank and was told that XXXX XXXX XXXX was had the account. I contacted them and was told that they had not received the money from Citibank yet but that I would need to fax a refund request to them. The funds came out of my account on XXXX/XXXX/15 and I faxed my request for refund on XXXX/XXXX/15. I made numerous follow-up call checking the status of the refund. I was finally told that the funds were received from Citibank and that in order to process the refund that I need to fax proof that the funds had been taken out of my bank account. I faxed a copy of my bank statement showing the debit on XXXX/XXXX/15. I called back a few days later and was told that it had to be sent to a supervisor to process. I continued to call and was told that they would email the supervisor to follow up. On XXXX/XXXX/15 I called and was told that usually any payments received are considered voluntary payments and may not be refunded. I explained that I a m XXXX and on a limited income and that this was part of a bankruptcy that was discharged and that the debt was no longer owed and that I had received my form to show the bad debt on my taxes and that I would not make payment for a debt I no longer owed! I was to that a follow up email would be sent and to call back on XXXX/XXXX/15. I called back to find out when the refund would be made and was told that the supervisor said that it would be considered a voluntary payment unless I could prove that a third party made it. I asked to speak to the supervisor and was told that she was busy helping another customer but that she would send her an email letting her know that I would like to speak to her. I was transferred to a voice mail and left a request for a return call. I have not received a call back and based on the past XXXX moths experience has no confidence that I will hear from anyone at the company.
I have been mislead the entire time and forced to disclose my personal information in an effort to recover money that Citibank nor this company is entitled to as the debt has been charged off and cancelled by the discharged bankruptcy.
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Company chooses not to provide a public response | Loan # XXXX Bank of America stated in the deed in lieu foreclosure agreement on XX/XX/XXXX that if I complied with all my responsibilities under the terms and conditions of the deed in lieu agreement I would receive {$2000.00} to assist with moving, rental and relocation expenses with 10 business days after Bank of America received the signed transfer of title. I complied with the move out agreement and moved out of XXXX XXXX XXXX XXXX, OH XXXX on XXXX XXXX. Bank of America verified that the property was vacant on XX/XX/XXXX and that the condition of the property was clean swept. I never received {$2000.00} or any assistance from Bank of America even after many phone calls and letters. The title was finally transferred to HUD on XX/XX/XXXX.
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Company chooses not to provide a public response | I OPENED A ACCOUNT AND THEY PUT A HOLD ON ALL MY MONEY AND REFUSE TO GIVE ME ANY IMFORMATION OR CLOSE MY ACCOUNT
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Company chooses not to provide a public response | I have all my credit cards on Auto Pay. XXXX including a car payment. Citibank credit card na of South Dakota now processes Home Depot Credit. I have been getting late fees and put into collection because Citi transactions with the bank have failed. Money is in the bank but they seem not able to access it. I do n't no they ca n't access it on my Citi cardI have never had an auto pay fail, what is the point if you ca n't trust them. I 've explained this to Citi so many times but the reps just want to keep updating auto pay.
I wrote them a letter. An never heard back.
I must have gotten a call every Sunday for the last four months.
I am now sending them a demand letter. ( copy attached ) A demand letter needs an address but my SState says I can give to a teller? What!
Also, Citi should make the address for registered agent clearly available. If they do n't want to talk to you. You should at least have the right to serve them. Citibank na ( South Dakota ) The branch of Citi that manages credit cards. Do they have a registered agent?
I want Citi to clean up my relation with Home DepotI want Citi to clean up the all late fees on Citi Card and Home DepotI want to compensation for my credit being damaged, calls which were so misinformed they talked about my old bank'I wanted to compensation for negligence and advertence of the issue so late charges would mount.
Customer service having conflicting or no data about current information.
Customer service armed with only half truths causing conflict.
Citi to pay a fine.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | I attended XXXX College ( a XXXX College ) in XXXX XXXX CA in XX/XX/XXXX and graduated in XX/XX/XXXX.I was told that employment opportunities abounded but I would be required to agree to financial aid with Genesis Lending Financial because I did n't have the funds to pay for the course through the Department of Education or my own personal finances. I gave them my life savings of {$4000.00}. I was told that I would n't have to pay anything back until after they assisted me with employment. I was pulled out of class several times and told that if I did n't pay on the loans I could not complete the courses. Genesis Lending started to call me regarding payments and I told them that I was not employed and could not pay the amount that was requested. They offered a temporary forbarence payment but I was told that the amount of the loan would continue to increase over time. I had to continue to make payments on the loans during the course of the program even though I had been told that I did n't have to start payments until after graduation. I was constantly harrassed and threatened by this lender during the time I attended XXXX College and the financial aid department at the school shared an active role in the practice and I was never informed of the high default rates of these loans or the fact that this type of loan was a private loan and not funded by the Department of Education. This predatory lender has taken advantage of me as a low income unemployed person over XXXX years of age.
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Company believes it acted appropriately as authorized by contract or law | Enhanced Recovery Debt collector re-aged a debt that had been placed over 8 years ago and lists it as new. XXXX rejected the complaint.
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Company believes it acted appropriately as authorized by contract or law | I 've been communicating with the XXXX of XXXX manager, XXXX regarding a debt they 've originally noted to be XXXX and I challenged the amount. They then reduced it to XXXX and I challenged that amount as well. I never owed any of these amounts, and they 've since re-aged the debt and are submitting XXXX debts to the bureaus. XXXX of the debts are listed under the Apartment XXXX and the other under Resident Collect. The manager at apartment gave me the number to XXXX XXXX at the Collection agency who she had spoken to that very day regarding my file and suggested I speak to her myself. XXXX XXXX was extremely rude to me. She cut me off before i finished my concern. She said she would transfer me to someone else and when i told her that i preferred speaking to her because she was familiar with my case, she told me since i didnt want to write down the number, she would just transfer me and hung up. When I attempted to reach her several times after that on the same day, she transferred call to another area. When they picked up I asked for XXXX XXXX 's supervisor and the lady questioned me why I wanted to know that, said she would n't give it to me and hung up. I called again several times and they just kept putting me on hold or transferring the call. I finally left a message for XXXX XXXX and to this day, I 've still not gotten a return call. They were rude, disrespectful, did n't offer me any assistance at all. I am trying to buy a house and it is critical that I get this straightened out as it can possibly cause me to lose my chances of purchasing a home. They never gave me proper documentation that said there were damages I did n't make. I did n't leave the apartment in the state they noted.
I am losing something far greater than they are trying to collect. I 'm working extremly hard to get my credit up to standards to purchase a home and have attempted on so many occasions to resolve and to be so close and can not get any assistance or even a return phone call is totally unacceptable. They could care less if I resolve the issue or not. They are reporting me XXXX and its hurting my credit beyond words as the debt reported on both are high numbers. I can not fix anything without any communication with them. My hands are tied and its extremely stressful. The lack of respect totally affected my health to the point where it triggered a XXXX and my XXXX. These are supposed to be professionals. Something should be done with these collection companies that treat you as though you 're nothing and does n't think respect and professionalism is needed.
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Company chooses not to provide a public response | I was on XXXX on XX/XX/2015 looking for airline tickets when it popped up that my airline ticket would be {$160.00} and that if I apply for an XXXX + XXXX credit card I would instantly get {$100.00} dollars off making it {$60.00} instead. I clicked on the credit card link and it gave me XXXX options : the XXXX + XXXX credit card or the XXXX + Citi credit card. I applied for the XXXX + credit card. I have excellent credit. I was told I was approved and would get my card within 7 days in the mail. I called CitiBanks who said that did n't know why it did n't give me an instant access code but that there was nothing they could do now. I told them to cancel my credit card then but they did not and told me to call back in 48 hours and they could give it to me then. On XX/XX/2015, I called back and they told me that there was still nothing they could do and they could not give me my card number over the phone. I again asked them to cancel the card as I really did not want to wait 7 days to get the card in the mail as I was promised instant prior to applying for the credit. And they canceled it. I am reporting this because I feel that I was scammed and lied to. I would never have applied to the card if I had been told up front that it would take 7 days to get the card. I am very upset with the way I was treated. Citi banks and XXXX both were misleading. I now am 3 days delayed in buying airline tickets so I may not get as good of a selection and they will be more expensive. I am letting you know so that this type of scam can be prevented in the future. I should never have been treated this way and others should not be either. Thank you!
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Company chooses not to provide a public response | US Bank notified me by email that they would eliminate the Bonus Award Nights benefit as of XXXX XXXX, 2015. I 'm unhappy about losing the Bonus Award Nights benefit because the main reason I applied for a XXXX XXXX XXXX Rewards Visa Signature Card with paying an annual fee of {$75.00} was to get the bonus award night benefit. I decided to call US Bank and explained to them the situation. They 're unwilling to help me nor did they give any compensation for eliminating the bonus award night benefit.
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Company chooses not to provide a public response | In XX/XX/XXXX I financed my XX/XX/XXXX Chrysler 200 with SunTrust Bank and then in XX/XX/XXXX I sent payment, to pay my account in full. I then received notice dated XX/XX/XXXX indicating my account was settled and that my title will be mailed within 10 days. The 10 days extended to over a year and a half and then I finally received my title in XX/XX/XXXX. After receiving my title SunTrust then proceeded to take possession of my car, stating that my account was not paid.
I have since then retained an attorney and have to forced to rent a car and incur expenses and stress that I should n't have to otherwise deal with.
Attached are copies of my documents. I beg that my car be returned to me and that I receive reasonable compensation.
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Company believes it acted appropriately as authorized by contract or law | Requested Investor info after denial on XX/XX/XXXX in writing from XXXX XXXX at XXXX XXXX, XXXX, Not Its Individual Capacity but Solely as Trustee of the XXXX c/o XXXX, XXXX XXXX XXXX XXXX, FL XXXXTold INV " not offering any mods as retention at this time '' with no explanationsAppealed denial on XX/XX/XXXX based on income change for XXXX XXXX for HAMP due to NPV Test failure on XX/XX/XXXX which showed value of $ 69k and GMI of $ XXXXSPOC XXXX XXXX advise he will submit for review of In-House Mod on XX/XX/XXXXSale date was on XX/XX/XXXX and was canceled per the Sheriff 's Department on XXXX was not successfully canceled and had to be rescinded in XX/XX/XXXXClient was under final review for Trial Plan Offer she received from XXXX XXXX when she was pre-approved for the HAMP Program in XX/XX/XXXX.
Their loan was sold to Statebridge less than 2 wks after the HAMP Pre-Approval. No docs were sent to the borrowers. The SPOC at Statebridge, XXXX XXXX, was given the info from XXXX and ran the numbers but came back with a denial XX/XX/XXXX b/c NPV Test was negative. THE OFFER WITH XXXX WAS PRE-APPROVED STREAMLINE HAMP MOD TRIAL WITH NO DOCS NEEDED.
XX/XX/XXXX, their total amount due at XXXX XXXX was {$72000.00}, less than $ 3k over their NPV Test value at $ 69k. Their I/R is 10.038 %.
Their P & I payment is {$680.00} ( non-escrowed ) When denied by XXXX, they were only 26 months past dueThe XXXX Loan Modification Application was sent to XXXX XXXX at Statebridge on XX/XX/XXXX via fax XXXX. On XX/XX/XXXX I had not received any response from Statebridge or XXXX XXXX so I emailed her and the SPOC when the loan was with XXXX XXXX, XXXX XXXX ( XXXXXXXXXXXX fax ) to advise I sent the Loan Mod package on both XX/XX/XXXX and XX/XX/XXXX.
Per the client, a realtor showed up on XX/XX/XXXX to advise their home was sold back to the bank ( Statebridge ) and they need to prepare for Eviction and find a place to liveI contacted the Sheriff 's Office to find out that the sale date on XX/XX/XXXX was not successfully stopped, contacted Counsel for Statebridge, XXXX XXXX at XXXX on XX/XX/XXXX and received confirmation that afternoon that the sale will be rescindedAfter two ( 2 ) months of fighting this action and error on the lender and opposing counsels behalf, we finally got confirmation of the sale being rescinded and no sale date set on XX/XX/XXXX per Sheriff 's OfficeOn XX/XX/XXXX, XXXX XXXX stated that the sale was rescinded, they HAMP was denied for NPV Test, and they are reviewing for In-House ModOn XX/XX/XXXX, XXXX XXXX advised the INV will not offer any MOD and gave no reason why.
On XX/XX/XXXX, the sale was reset for XX/XX/XXXX and denied for all options.
A written appeal and updated docs showing new income ( since the denial, the clients have experienced BOTH increased income and lessened expenses, respectively, which is supposed to entitle them to a new review ) was submitted to XXXX XXXX and XXXX on XX/XX/XXXXXXXX. XXXX confirmed receipt and said he will review immediately.
I followed up on XX/XX/XXXX. He did n't review them b/c " as advised on XX/XX/XXXX, the investor is not offering any mods at this time ''. I advised him this is unacceptable and the new docs/appeal MUST BE REVIEWED as they were submitted 8 WEEKS PRIOR TO SALE DATE OF XX/XX/XXXX.
He ignored these demands. I resubmitted on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to prompt the re-reviewI requested a new SPOC on XX/XX/XXXX but that was ignored.
Spoke to manager XXXX XXXX who refused to address the submissions from XX/XX/XXXX to XX/XX/XXXX never even reviewed.
She said she would email or fax me any/all letters but did not.She said they wo n't stop the XX/XX/XXXX sale nor will they review the docs with updated information ( income, expenses, debt, etc. ) because " they are not required to ''.
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Company chooses not to provide a public response | I hired a service provider to develop a website for me and this never occurred. I then contacted the XXXX credit card company 's ( I paid the bill using XXXX credit cards ) and told them about the situation. Both credit card companies opened up disputes and XXXX credit card company XXXX citibank XXXX after 90 days said that they could no longer offer me assistance because it was past their time frame. The other company XXXX XXXX XXXX said that no billing error has occurred and that the merchant has shown that all billing information matches my information and that I was working with the merchant for website development. Obviously this is the case, since I hired them and gave them my credit card information. I gave XXXX credit card companies ( Citi Bank and XXXX XXXX all of the information that I could. CitiBank is trying to hold me accountable for almost {$2500.00} and XXXX for almost {$1500.00} I called the merchant and they too, are unwilling to help me with the situation.
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Company believes it acted appropriately as authorized by contract or law | Employees of the company disregard their own given arrangements and lack professionalism. I have a debt from previous apartment complex. It was among me and a roommate but billing just in my name. I was placed on a payment program starting in XXXX and gave what I could being {$100.00} the XXXX and XXXX of the month. The arrangement has expired and was advised to call back to setup arrangements on left over balance when capable. Well now I 'm dealing with XXXX hostile and very condescending associates with the company a XXXX XXXX ( manager ) ext XXXX and XXXX XXXX ext XXXX ( acct agent ). Simple questions about my debt and actions can lead to uf not paid in full today get a " why '', " what do you think '' or it " does n't matter " when its my billing that I 'm concerned about, why do I not get proper answers. They have placed me extended holds hoping I would disconnect the call and when returning to line would just ask for payment in full. They said the arrangement should never been given and that they will not accept payments if not for full amount by the XXXX of XXXX ( today being the XXXX of XXXX ) Their collection practices are FDCPA violation as they are very harassing and not willing to let me make discuss the bill without threats and open ended questions. They ended call by saying they will say I 'm disputing my balance with credit bureau when in fact I never told them to or dispute what I owe. My payment arrangement was setup by agent at XXXX ext XXXX. Originally she wanted {$740.00} but allowed me to make the lesser {$200.00} a month payment to where the balance left is {$1000.00}. I got a letter end of Match saying I defaulted on payment which lead to me calling in due to I satisfied the original plan and waiting for financial change to make another.
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Company can't verify or dispute the facts in the complaint | I have received XXXX phone messages from this number, ATG credit, XXXX, threatening me with taking action against me for a debt that I do not owe. I think this is a scam and I am reporting it.
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Company chooses not to provide a public response | Information withheld from me. Unauthorized access to my account. They wo n't tell me who and why it was done. My account I need to know
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Company believes it acted appropriately as authorized by contract or law | I received a letter from USAA indicating that my credit cards are being closed due to 'unacceptable behavior or activity '. I called USAA and they will not explain the behavior or activity that was 'unacceptable ' to them, nor will they reconsider opening the accounts. This is significantly detrimental to my credit history as this was XXXX of the XXXX credit cards I opened over 10 years ago.
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Company chooses not to provide a public response | incorrect information submitted on my personal credit report, supplied proof to credit bureau experian who continues to refuse to update or delete the incorrect information.
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Company believes it acted appropriately as authorized by contract or law | I used my PayPal account in late XXXX of this year to make XXXX different transaction withdraws from my bank. These transactions were being sent to XXXX different places. PayPal XXXX dipped into my account and took out each transaction XXXX. When I saw that PayPal had taken money out of my account again, 3 days after the original withdrawal, I called PayPal and asked that they simply refund the extra payments they removed without my authorization back into my bank account. They said they would have to look into it. Well, PayPal tried to take the money out again. I know this because I have fraud protection on my bank account and my bank informed me that someone was trying to take out money from my account. I called PayPal again and they said I would have to get official bank documentation and send it to their appeals department. I did just that. I started to get harassing phone calls from PayPal along with email saying that I owed them money because was account was in deficit. What? They are the ones who stole my money and now have it and wont give it back to me! I again went back to the back and gathered more information and faxed them again. Still I continue to get XXXX very hostile phone calls a day from XXXX until XXXX including Saturdays and still receive emails. I decided to go back to the bank brank and get detailed very precise wire transfer documentation from the bank on bank letterhead and stamped with the bank seal by the branch assistant vice president and a hand written letter to boot and over night certified this information to PayPal. I continue to receive threatening phone calls from PayPal saying they have ruined my credit and I am in default of payment. I do not understand how a collections department can not decipher very precise line by line information from the bank that clearly shows the withdrawer as PayPal on the wire transfers out of my bank. I would be very excited to have your assistance in clearing up this matter with me and going after PayPal and getting my funds back and clearing up any and all bad credit that they may have caused my name or account on/for any future credit reporting. I truly need your assistance because they are so threatening that I do not want to communicate with their company any longer without assistance. I look forward to having a representative assist me with this matter. Thank you in advance truly
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Company believes it acted appropriately as authorized by contract or law | XXXX refuses to communicate with Bison Recovery Group concerning my closed account. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | I had a Tax Lien which was incorrectly placed when the XXXX sent tax payment money to the IRS as I had paid two years taxes ( a XXXX and a XXXX ) with the same check. They processed the XXXX return and then found they were short the money they sent to the IRS - go figure.
I have had the tax lien released XX/XX/XXXX and notified Experian in both XX/XX/XXXX and XX/XX/XXXX. It is still on my credit report. Again, the credit dispute process is a joke. There are no penalties for the credit bureau putting erroneous information nor in simply ignoring disputes made through their website or by mail.
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Company believes it acted appropriately as authorized by contract or law | Collection under a person with similar but different name was requested under my name. I have received the original invoice from the collection company ( Enhanced Recovery Company , LLC ) to confirm that this collection is forwarded to the wrong person. I have requested to dispute the collection company as well as XXXX on early XXXX 2015, however, no action is taken.
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Company believes it acted appropriately as authorized by contract or law | An apartment complex is attempting to collect alleged damages from me without providing any evidence that said damages occurred. Six months after I moved out of the complex ( lease payments made in full and on time ) I receive a collection notice. When I sent the collection agency a letter requesting information under the FCRA, I did not receive a response. As neither the original creditor ( XXXX ) nor the collection agency ( Credit Bureau Services ) has provided sufficient evidence that any damages to the unit were incurred ( before/after photos, work orders for repairs, invoices, etc ), the attempt to collect against me is clearly a predatory practice directed toward young college students whose parents will likely " cut a check ''. When pressed for documentation, the original creditor stated that the documents were " lost ''.
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Company chooses not to provide a public response | My XXXX year old daughter has a credit card debt that went to collections. This debt collection agency contacted her. She gave them permission to work with me on this. They called me and I told them to email me a proposal, and almost immediately after they emailed it they began calling me again. I emailed them to stop the phone calls to my daughter, me or any of her friends or relatives and that we could continue to work together in writing. I also asked that they validate the debt. They pressed to have payment of over {$1200.00} by the end of the month, which at the time was 12 days. I told them that was not possible and I needed a more reasonable payment plan. He sent me back something that had payments totaling over {$2500.00} at {$210.00} a month, with XXXX payments in XXXX. I countered that he had XXXX payments in XXXX, and I offered to pay XXXX even payments of {$320.00}. He said that he only got approval for the settlement if I paid it by the end of the month. I told him that may be but it was his issue that he went to his client with a proposal that I never agreed to. I said I suggest you take this to your client.. He said he would. This was yesterday, XXXX XXXX. I have not heard anything back from him. Today, XXXX XXXX, I get a phone call from XXXX XXXX with their company saying she wanted to get a final on this. I said you are not supposed to call me, and I am very busy. She proceeded to talk over me while I was asking her to validate the debt for me, she told me she would not call me again, and since she was talking over me, I could n't understand what all she was saying, but she said something about I 'll tell you what I 'm gon na do, and then I did n't hear anymore because I was asking her to validate the debt. I want them to validate this so that I can make a reasonable offer. I will pay what my daughter charged and a reasonable amount of interest. I need to see the statement so I can offer a fair settlement. They are unwilling to do this.
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Company believes it acted appropriately as authorized by contract or law | First Credit Services has called my business cell number repeatedly to collect a debt incurred by a XXXX XXXX. I have repeatedly told them they are calling a business and there is no XXXX XXXX associated with this number. I have also told them to stop calling. The company 's representatives become abusive at that point and typically hang up on me. Just today they have called XXXX times and it is only XXXX CST.
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Company chooses not to provide a public response | On XXXX XXXX, 2015, at XXXX I was in line at the City Bank branch located atXXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX.
I was in line for XXXX minutes waiting to pay my City Bank Credit card, when I was approached by Branch Manager Vice President XXXX XXXX. XXXX XXXX XXXX demanded I give up my turn in line too XXXX customers who were not in my line. I explained to XXXX XXXX I had been waiting in line for XXXX minutes and I needed to get back to work ASAP. XXXX XXXX stated to me that I did not have an account with City Bank and needed to let the others customers go before me.
I stated to XXXX XXXX, I did have a City Bank account which is my City Bank credit card and Icould pay my City Bank Credit card at any City Bank Branch if I desired. XXXX XXXX started yelling at me to get out of her Bank, because I did not have a City Bank account. I stated to XXXX XXXX I was a City Bank customer and I had the right to be in this branch to pay my credit card bill.
XXXX XXXX became belligerent and threatening towards me because I would not give up my place in line too XXXX XXXX customers. XXXX XXXX shows favoritism to XXXX customers over XXXX customers. XXXX XXXX clearly intentionally discriminated against me, because I am XXXX, by demanding I give up my space in line and to get out of her branch, because I did not have a City Bank account, which is False.
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Company chooses not to provide a public response | There are things on my credit that should not be on there. I had my wallet stolen and my information was all in there and now i have things that are under my name that was in my wallet that needs to be disputed with the creditors and taken care of immediately because of it damaging my credit.
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Company believes the complaint is the result of a misunderstanding | Says medical services were rendered in XX/XX/XXXX, however they were rendered in XX/XX/XXXX. This debt is over 7 years old. I was in military XXXX at the time they claim service was rendered. They have XXXX reported as {$82.00} and also {$180.00}
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Company chooses not to provide a public response | Contacted all XXXX credit bureaus to have a account added to my file. This installment loan was taken out by myself and paid in full on time each month. I 'm trying to show future creditors that I 'm am reliable and able to take care of my financial responsibilities but if it 's not being reported I ca n't prove that. I 've sent correspondence to all credit reporting agencies and have n't heard anything as of yet.
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Company chooses not to provide a public response | We have a home loan with USBank, and we 're told our insurance 'ran out ' as of XXXX XXXX, 2015, and were sent a letter dated XXXX XXXX stating we needed to provide proof of insurance, or US Bank would buy insurance for us. After repeated faxes and emails to the contact information they provided, our insurance carrier says the emails keep bouncing back, and when I call US Bank, they have no record of the fax being received, either. Several years ago, we received a very similar letter from US Bank, also stating our insurance had expired, and if we did n't provide proof of insurance, they would buy insurance for us. At that time, we did n't call US Bank, since a call to our insurance provider verified we had uninterrupted coverage for the property, and they faced a copy of the policy to US Bank. However, what we did n't realize at that time was that US Bank had changed their fax number, but did n't notify the insurance company or provide them with a new ( correct ) fax number. Because they 'never received the fax ' they charged us for the cost of US Bank purchased extra insurance, and would n't remove the policy and extra cost, even after we provided proof of continuous insurance. They added this extra cost onto our insurance, without notifying us. It was several hundred dollars more a month, for over a year. My fear is that they are going to do the same thing this time, since they have n't been able to provide a correct fax or email address to either us or our insurance carrier. Because US Bank makes a substantial profit on the sale of this type of insurance, my belief is they intentionally change their fax numbers, ensuing insurance updates do n't come through, and charging homeowners for the extra insurance. I have spent over 5 hours in the past few days on the phone with them, just trying to get the correct contact infoation to give to our insurance provider, and each time I get a different email/fax, and each time it does n't work.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | I called the lender and told them to take the money out three days later although they said they would do it they did not. This caused suck a huge strain on my bank account that I had to close it down. Now they say I owe XXXX and I will lose my job.
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Company chooses not to provide a public response | FIA Card Services contacted me on behalf of Bank of America XXXX. This is related to another complaint with Bank of America for an unexplained XXXX charge on my card. ( XXXX/XXXX/2015 )
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Company believes it acted appropriately as authorized by contract or law | I have a judgement with this company and I am trying to pay it off, but for the last 3 months I have tried to get the pay-off amout with no results. I have contacted the XXXX time, XXXX in XXXX XXXX in XXXX another time in XXXX. The XXXX time I was told she needed to check with the lawyer and get the total. The next XXXX times I told them what was going on and was told they would research the account and get back with me. I gave them my current phone number each time and heard nothing. I feel they are just running up the intrest and are waiting to do garnishment. I have had the means to make mayments and start with a good down. My credit councler said I should ask to have this deleted due to lack off response. Any help you could give would be great. Thank you. Here is infoFREEDOM XXXX XXXX XXXX XXXX - - -Type of Loan : SECURED LOANB / XXXX, XXXX : AMOUNT IN HIGH CREDIT ORIGINAL CHARGE-OFF AMOUNT ; CHARGED OFF ACCOUNT ; ACCOUNT CHARGED TO PROFIT AND LOSS
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Company chooses not to provide a public response | XXXX ring credit card offered as 0 % transaction fees .... False. Charges 1 % but only states after you apply. .... Fraud.
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Company chooses not to provide a public response | I am writing because I am currently about to be foreclosed upon because I am unable to sell a home I purchased in XX/XX/XXXX. I am unable to sell the home because of a fraudulent note provided by XXXX XXXX XXXX XXXX and a 10 year interest only loan I was given by Bank of America as a result. Here are the circumstances that led to my signing the note : On XX/XX/XXXX when I signed my contract to purchase my home from XXXX XXXX, the contract had a cost estimate evaluation for a XXXX Interest Only ARM ( see enclosure ). After the contract was signed, XXXX XXXX Mortgage company was unable to procure this ARM and offered me a sub-prime loan which I refused. After I found my own financing, XXXX produced a HUD 1 statement with a 30 year fixed mortgage at a 6.5 % interest rate. At the closing table in XXXX 2005, I read the settlement paperwork and instead of a fixed rate of 6.5 %, the interest rate was stated as prime plus 1 %. I was told by the XXXX settlement staff that the numbers were the same and it was just worded differently. I even called the XXXX mortgage agent at the table and she assured me the numbers were the same. I left the settlement table and went directly to a local Bank of America to confirm the loan I signed was the same as the XXXX HUD 1 statement. The Bank of America banker said it was not and that he would fix it. He produced a note that had the same interest rate and monthly payment as the HUD 1 and I simply was n't knowledgeable enough to notice it was a 10 year interest only loan ( see enclosure ). I did not learn it was an interest only loan until a Bank of America representative who was looking into a loan modification for me in XX/XX/XXXX wondered why my principal balance had not changed after 4 years of paying my mortgage. I never missed a single payment in 4 years until Bank of America forced me not to pay for three months in order to qualify for the loan modification. In XX/XX/XXXX, Bank of America gave me a 45 year mortgage with a 5 year ARM ( see enclosure ). I have submitted all of the paperwork I can find regarding the statements I made above. I called the XXXX Settlement Office to obtain a copy of the mortgage paperwork with the prime plus 1 % information but they said XXXX Settlement company destroys all records after 7 years. To add insult to injury, out of the XXXX homes XXXX sold on my block, the only XXXX families in the neighborhood ( I am XXXX ) are in XXXX adjacent houses. I was completely unaware that I had XXXX days to rescind the loan but it probably would n't have mattered because I was so unfamiliar with these bad mortgage products.
Hopefully the government can look into this incident to keep it from happening to other consumers.
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Company believes it acted appropriately as authorized by contract or law | I received a phone call from XXXX Solutions who was trying to collect a credit card debt from XXXX XXXX Bank XXXX {$1400.00} that they claim the principle balance is {$490.00} from XX/XX/2001, and the last payment was in XXXX XX/XX/2001. I told them this is over XXXX years ago and I am not familiar with this debt, and have no memory of the debt. In addition the name on the account was not accurate. The collector acknowledged the statute of limitations had expired, and that they do not report to the credit bureau, or file legal action, however, the debt is owed. I explained I have no recollection of the debt and do not contact me any further. They also were trying to initially collect on a duplicate bill, yet, admitted it was a duplicate bill.
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Company chooses not to provide a public response | I applied for the XXXX visa credit card and got declinedfor a collection that is supposed to be removed and that 's not fair
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Company chooses not to provide a public response | We finally modified our mortgage with Bank of America. After 3 years of trying, it worked. This was a painstaking 3 year process with lack of communication from our servicer. We signed our permanent modification in XX/XX/XXXX. We received our bill for XX/XX/XXXX with no problem. Our XX/XX/XXXX invoice came with an additional charge of {$100.00}. It stated additional attorney fees. I have called my " single point of contact '' now XXXX times with no return call waiting for an answer about this. If I decided after I signed a contract, my amount was wrong, I am sure I would still be held accountable. How can they sign a contract and agree on an amount and then charge me more? Furthermore, they will not return my phone call.
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Company can't verify or dispute the facts in the complaint | I owed money to XXXX XXXX XXXX and paid it in XXXX 2015. Now I am getting letters from AARGON Collection Agency, XXXX months after I paid, that I owe this debt collector. I have the cancelled check showing payment.
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Company chooses not to provide a public response | A check in the amount of {$3700.00} was deposited into our bank around XXXX XXXX but has not shown up on our bank statements. We have been tracking the bank statements in the event there was a delay or problem and as of the XXXX statement still no deposit was shown. We contacted our bank, the 1-800 number and the XXXX local branches. No one has any information about the deposit. The organization that issued us the check says the check did clear their bank XXXX XXXX but say there is no information readily on the check to identify what bank processed the deposit. What do we do? Are there not tracking numbers to identify all banks involved in check deposit transactions?
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Company chooses not to provide a public response | XXXX XXXX XXXX account # XXXX I did not sign up for XXXX in XXXX. This is inaccurate and most likely fraudulent activity. I did not have an account with them then. I do not owe XXXX anything neither do I owe this collection agency anything.
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Company chooses not to provide a public response | My student loans have been discharged by the Dept of Education XXXX. My credit reports are not reflecting even after being disputed. I have also been a victim of unfair medicare billing and no matter how much I dispute it the credit reporting agencies and not listening or investigating. I am asking for all student loans to be deleted and my credit score to be restored after the corrections made.
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Company chooses not to provide a public response | In XXXX XX/XX/2013, XXXX, a no-contract gym in XXXX, NM, used my XXXX year old son 's signature to forge an EFT authorization on my checking account, of which I am the sole owner/signatory. XXXX XXXX lifted the account/routing number from a paper check that I wrote to them to cover one month 's membership fees for my son. This check clearly listed only myself as the the account holder, not my son. My son was under the impression that he was signing up for a membership, nothing else, and simply signed his name, " here, here, and here '', as directed by the gym 's employee, while no parent/legal guardian was present. He left with the understanding that he was good to use the gym for XXXX month only, since that was what my check covered, and only ended up using the gym for that XXXX month so as not to owe another month 's membership fee.
Subsequent to that membership application, XXXX XXXX made XXXX unauthorized monthly EFTs on my checking account, without ever seeking proper authorization from me, or providing me a copy of the authorization they were using with my son 's signature. In XXXX XX/XX/XXXX, I discovered the unauthorized EFTs while stopping another authorized EFT for my son 's college fund, and informed XXXX XXXX to cease and desist the unauthorized transfers and return the stolen funds forthwith. They stopped the EFTs, but refused to refund the unauthorized transfers.
I submitted a claim with my bank for restitution of the unauthorized EFTs, but my claim was denied because the gym 's bank, US Bank, will not return the transfers without the permission of XXXX, the forger of the EFT authorization. At no point during these fraudulent EFTs, did either my bank, XXXX XXXX XXXX XXXX, or the gym 's bank, US Bank, verify that the EFT authorization contained the name or signature matching the checking account holder, namely myself. I should also mention that my son has a different last name than I do, which should 've made the bogus EFT authorization painfully obvious.
I am currently in the process of submitting a complaint with the NM Attorney General for XXXX, but am still confounded as to how this bogus EFT authorization flew by XXXX banks for nearly 2 years without question.
I have since learned that shady businesses, such as no-contract gyms, PREFER or REQUIRE payment via checking account EFTs since they KNOW the banks wo n't verify authorization, probably because the EFT Act holds them blameless for EFT fraud. Although I realize the originator of the forged EFT authorization is responsible for this financial crime, it would not be possible without the blind eyes the financial institutions employ during these transactions. Shady businesses prefer ACH EFTs on checking accounts rather than credit card transactions because they know it 's very difficult for consumers to get the banks to restore funds transferred without proper authorization. There needs to be some changes to the EFT Act to levy penalties on banks that transfer money out of accounts without proper authorization, instead of only requiring the account/routing information of a viable account, and worrying about authorization after the fact, or when they get caught.
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Company chooses not to provide a public response | My Mortgage loan with U.S. Bank currently has an escrow account with a XXXX cushion on it. I am aware that " [ T ] he RESPA statute and regulations do not require the lender to maintain a cushion. However, since XX/XX/XXXX the RESPA statute has allowed lenders to maintain a cushion equal to one-sixth of the total amount of items paid out of the account, or approximately two months of escrow payments. If state law or mortgage documents allow for a lesser amount, the lesser amount prevails. '' From what I have found through research, Oklahoma does not have any State RESPA laws in place in regards to having a mandatory 2 month cushion on escrow accounts. However, when I spoke with U.S. Bank in regards to removing my 2 month cushion, I was told by XXXX different representatives, on XX/XX/XXXX, that they are unable to remove my XXXX cushion due to the fact that I live in the state of Oklahoma. XXXX representative stated that it was due to the state law, and the next representative ( her supervisor ) stated that it was U.S. Bank 's internal policy that for mortgages in which properties reside in the state of Oklahoma require a 2 month ( XXXX ) cushion, and they will not remove this. She stated that it was not for all states, but they will not remove this on my account due to the fact that I live in the state of Oklahoma. I asked multiple times to speak to U.S. Bank 's Escrow Department, so that I could speak directly to someone that specializes with escrow, because I knew that there was not a state law requiring a 2 month cushion to be maintained on my escrow account, and I was told that I could not speak directly to their Escrow Department. I was also offered, that if I was unsatisfied with having to maintain a XXXX cushion, that I could always just cancel my escrow account and pay for my insurance and taxes on my own. I let the lady that I spoke know that she could not offer this to me, that I have a VA loan, and that she should not be offering me to cancel my escrow account, due to the fact that I have a government backed loan.
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Company chooses not to provide a public response | prepaid rebate card expired and Citi refuses to reissue card for the balance of the money on the card.
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Company believes it acted appropriately as authorized by contract or law | Debt was paid & account closed via XXXX.
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Company believes it acted appropriately as authorized by contract or law | TCFbank lied about renewal rates on a 15 month cd also their early termination fee on a cd is extremely unfair example on a 1-5 year cd XXXX months interest is average that would amount to {$30.00} their fee is over XXXX!!!!!!!
attn XXXX XXXX
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Company believes it acted appropriately as authorized by contract or law | On XX/XX/XXXX I suffered a XXXX. it was so severe that I past out. My wife called the City of XXXX XXXX Fire Dept and, still XXXX I was transfered to XXXX XXXX City Hospital. The amulance Services charged my insurance, XXXX primary and XXXX XXXX, secondary the amoun t of {$1400.00}. For unexplained reasons XXXX denied payment. XXXX XXXX paid {$1000.00}. I was never billed for the remaining balance till last XXXX XXXX when I received a letter from Harris & Harris, a collection agency, charging me {$500.00}. On XXXX XXXX I contacted City of XXXX ambulance services. They accepted that they had not billed me at my right address and a lady by the name XXXX assured me that her office " would pull out '' the charges from Harris & Harris and would check the status of my account since my secondary had already paid most of the charges and more than 2 years had already past. However, I am still receiving calls from Harris & Harris, even on Sunday mornings, when they call me at around XXXX Pacific time. They have called me at night, well after XXXX playing a recorded message demanding payment of the debt. On XX/XX/XXXX I called Harris and spoke with a gentleman named XXXX who apologized for the inconvenience and, again, assured m that they will withdraw the charges since his records showed that XXXX XXXX had paid a portion a XXXX, according to him, had made a payment on the account. Still, I keep on receiving the pre-recorded messages. On XXXX XXXX at XXXX I received yet another call despite all the promises of pulling out those charges for which the XXXX Ambulances Services has already been paid for.
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Company chooses not to provide a public response | I have a mortgage account with Bank Of America in which I open on XX/XX/XXXX. I have made every payment on time since the account was open in XX/XX/XXXX. In XX/XX/XXXX I filed for chapter XXXX bankruptcy with a lawyer in XXXX, PA. I then change my mind and had my lawyer to dismissed the chapter XXXX bankruptcy. The chapter XXXX bankruptcy was never implemented or went into bankruptcy court. The judge signed the chapter XXXX dismissal from the lawyer. Bank Of America should never have closed my account. The bank will not give favorable credit ratings to the XXXX credit reporting agencies. I have ask Bank Of America to correct my account and they said they will not. Bank of America send negative and inaccurate information about my account to the XXXX credit bureau on me and my wife although I 've paid every payment on time since XX/XX/XXXX. My wife and I have a XXXX ( low ) credit score because of Bank of America.
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Company believes complaint is the result of an isolated error | I paid my credit card via the issuers website on the day it was due. I received a letter from them XXXX week later stating that my bank had indicated that the information submitted was incorrect and I was charged a {$20.00} late fee. I immediately called the credit card company and was told that the late fee could not be removed because I inputted an incorrect checking account number. I realized, after I had hung up, that my checking account information was saved on the credit card 's website and I could not have inputted it incorrectly because it was already there. All I did was enter the payment date and amount. I then called my bank ( there was no information regarding this transaction on my bank website ) and was told that the reason the payment was rejected was because the " 0 '' was omitted from the beginning of my checking account number when it was sent to them for payment. I called the credit card company back and spoke to someone in Credit Card Accounting. I was told that my checking account information was incorrect ; therefore, my payment was late and the fee was assessed. I tried to explain that I do not work for the credit card company or the bank and my checking account information was saved to " their '' website. How could I have entered the information incorrectly? She told me she would remove my checking account information ( and did so immediately ) from my account and I would have to re-enter it so I could make the payment again. I was then transferred to the credit department to see if they would waive the {$20.00} late fee. The person I spoke to was very rude and actually hung up on me. He told me that there was no payment account information associated with my account. When I tried to explain that was because the woman I spoke to before him had removed it he accused me of trying to blame her for my late payment. I said, " I 'm not blaming her for my late payment. I 'm telling you that is why there is no checking account information associated with my account. Because she just removed it. '' Not long after that was when he hung up on me. I called back and spoke to someone else and explained the same thing to him. How could this be my fault when all I did was enter the amount and payment date? He put me on hold to " speak to his supervisor '' and came back and said that his supervisor refused to waive the late fee and that I should make my payment. I asked if I could make the original {$50.00} payment or if I had to make the new {$57.00} payment they were now asking for. He stated that I could make the original {$50.00} payment but that if the remaining {$7.00} was not paid by XXXX XXXX, XX/XX/2015 that my account would, again, be late. I told him that I was not looking to get out of making any payments and that the XXXX payment would be made just like XXXX, XXXX and every other payments had been. That 's when I got a little heated and told him that that is how big banks make their money ... by screwing the little people who have no recourse. He actually told me that I should contact my bank again because even if the " XXXX '' had been omitted from the account number they still should have put the payment through. Unbelievable!
How can I be charged a late fee for a mistake that I did n't make? I understand that this is all done electronically now but, is there not someone at the credit card company whose job it is to enter this information? Accounts receivable, maybe?
This is no longer about a {$20.00} late fee on a {$50.00} payment, but the principle of the matter. Everyone at the credit card company that I spoke with insisted that I omitted the beginning XXXX from my account. I asked each XXXX of them that if that were the case how did they get paid in XXXX ( and every previous month ) without a problem? I 'm still waiting for an answer. I believe it 's more of a " the XXXX at the beginning of an account do n't mean anything '' mentality on the credit card company 's part.
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Company chooses not to provide a public response | please see attached, the complex had my info that I lost my XXXX job and need to moved because of the hardship
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Company believes the complaint is the result of a misunderstanding | I took out a loan through Duvera Financial to finance a gas scooter so that I could get back and forth from work. After having to contact the CFPB over Duvera changing my interest rate and payment amounts agreed on, their were no issues.
Then this past week, on XXXX/XXXX/15, I logged into the payment portal, and made my monthly payment, as I have every month, XXXX single payment a month. However, on XXXX/XXXX/15 at approx. XXXX, I noticed that the payment I submitted had processed through, but an additional payment was taken out of my bank account for the same amount, on XXXX/XXXX/15. I immediately called Duvera Financial, and was placed on hold for XXXX minutes before being told by a " XXXX '', that I made XXXX payments.
When I stated that I only made the XXXX payment on XXXX/XXXX/15, she instantly started saying that I did no such thing and placed a XXXX payment. After pointing out that I only make XXXX payment a month several times, she proceeded to state that I had set up an Auto-pay on the account ( which I did no such thing, as every payment made has required me logging in and scheduling the payment up until this point ). She then said that she would put in a request to cancel the payment, and that I should see the payment reversed in 3-4 business days.
I just contacted my bank ( XXXX XXXX ) to be told that they do not see any pending transfers on the account in question, and that they do not see anything from Duvera. So I contacted Duvera yet again at XXXX on XXXX/XXXX/15. After another XXXX minutes of being on hold, I finally got someone who would not give her name when asked. When asked about the status of the refund for the pending amount, she told me that " You called us on XXXX/XXXX/15, it 's only been XXXX days. It takes time to reverse the payment. We do n't know when it 's going to be credited back ''. I asked for a supervisor, was placed on hold, then a guy answered the phone and said that it will be another XXXX business days for the refund on the payment.
As of now, I 'm accruing NSF fees through my bank becuase of the XXXX payment that they took out, because my bank processed the payments that were due to be taken out at the same time as the XXXX payment was processed. Now as it sits today, I 'm owing my bank {$140.00} from bills that were processed out and NSF fees that have been accrued by Duvera taking a XXXX payment without my authorization.
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Company chooses not to provide a public response | Bank of America cancelled my credit card and issued me a new XXXX because they had detected fraudulent activity despite the fact that I verified all the charges as not-fraudulent. I made XXXX returns for purchases purchased on the old card, which were returned to the old card and the credits never appeared on my account which was now linked to the new card but carried the existing balance from the old card. It took over a month of me calling and chatting with Bank of America representatives almost daily to get one of them to even recognize that there were $ 300+ of credits sitting in the old account that needed to be transferred over. After that nightmare, some of the credits, though they are listed as credits, added charges to my balance instead of crediting my balance. I have spent countless hours trying to get a representative to hear my problem. Instead of listening to what I say, they repeat my balance over and over and tell me when my last payment was made. There is still no resolution. It is XXXX XXXX, 2015, and my first contact was made for this issue on XXXX XXXX, 2015. I have contacted more than XXXX times since XXXX XXXX, still with no resolution.
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Company chooses not to provide a public response | My complaint or area of concern involves my mortgage not my lender. I really don ' know who else to tell my story as I 've been fighting this battle for the past five years. My issues particularly lie with XXXX XXXX XXXX XXXX XXXX Court in XXXX, SC. I filed for a divorce in XXXX my ex husband was court order to maintain mortgage payments. That order was never obeyed. He emptied the XXXX account which was under a restraining order and never paid the mortgage. Nearly 1 1/2 years went by, XXXX attorneys and XXXX contempt of court order and still no relief. I was a stay at home mother for nearly 17 years ; me and my XXXX children were still residing in the home. My husband voluntarily left his employment as a XXXX ( earning {$86000.00} ) applied for unemployment and food stamps. Took me to Court ( XXXX ) for a reduction in spousal & child support. Two weeks later relocated gainfully employed as a XXXX again earning a higher salary ( {$91000.00} ). During that time of nearly 4 months not a dime of spousal, child support or mortgage payments. I did an engine search and found out he was employed in XXXX. I borrowed more money from friends & family hired a XXXX attorney. The XXXX Contempt hearing XXXX XXXX XXXX my husband was found to be in willful contempt on multiple counts, namely the mortgage. A few weeks later to escape responsibility ( repayment of mortgage at that time it was in the arrears of more than {$30000.00} ) and penalty ( 30 days in jail ) he filed Chapter XXXX in XXXX, XXXX During the Final hearing process he converted to a Chapter XXXX claiming our XXXX minor children as part of his household. He also lied as respects to what he was paying in spousal & child support. Under our lenders request I did have his name removed from the deed early XXXX. I did get relief from Federal Court lifting the " stay '' to complete the divorce. At the time of the Final Hearing I was still unemployed however the Court awarded me the martial home and my now ex relief from mortgage responsibility. Placing the children in I in danger of becoming homeless. I applied multiple times for HAMP & NACCA programs. Until finally reaching out to CFPB which I most grateful and very happy to say assisted with the process between me and the lender. My issue is now my ex husband is attempting to have his name removed from the FHA mortgage/loan. I 've been paying the mortgage on time, I ca n't assume the loan on my own. My children and I have no where to go because of he non compliance with previous orders not paying the mortgage completely wrecked my credit & ability to rent in a safe decent area. Additionally, at the time our XXXX yr. old son XXXX XXXX in a 4 month time frame. I suggested relocating back home near family. The XXXX recommendation was no more major life changes XXXX. The Family Court system interest does n't appear to be in he best welfare for children and mothers. I am afraid the Court will order side with my ex and force me to take his name off the FHA loan. Please HELP!!!
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Company chooses not to provide a public response | I have XXXX checking and XXXX credit card accounts with Bank America. The credit accounts had limits from {$25000.00} to {$50000.00} and all had zero balances when this all began. These cards are rarely used since most daily transactions are by debit cards. XXXX of the cards provides {$20000.00} in overdraft protection on the checking account. Approximately a month ago the XXXX XXXX charged {$100.00} for a subscription to the same account that provides the OD protection. This charge occurred without my knowledge or consent and must have been automatically made at the end of a subscription term which was originally paid with this card. The credit card payment became due XXXX XXXX with {$25.00} minimum payment required. I did n't check my balance on this account because I had n't used it so I failed to make the {$25.00} payment. BofA immediately shut down my credit card without notice nor warning for non payment.
Of course, all this happens in the month where I had to pay property taxes on XXXX XXXX and income taxes on XXXX XXXX. I needed to pay about {$11000.00} in extra taxes so I counted on the availability of my OD protection to cover a portion of these tax checks. But, BofA also shut down my OD credit along with the card for failure to pay the {$25.00} minimum payment. So, now they are potentially returning XXXX or more of my tax payments which will certainly cost me additional money in penalties and late fees.
I immediately contacted the bank to make arrangements to correct the situation. Here is where it gets crazy. I spoke with XXXX different customer service folks at BofA on Saturday XXXX XXXX in XXXX calls lasting a total of XXXX hour and XXXX minutes. Each person would promise some quick resolution but need to forward me on to another person in a different department. Both of my calls were terminated without warning by their system while I was holding on the line. No one ever provided any solution to my problem. On Monday XXXX XXXX, I tried again and spent XXXX more minutes in which some effort was made but nothing was accomplished toward rectifying the problem. They refused to accept my offer to use another bank 's credit card to pay for any shortages. They refused to allow the use any of my BofA cards, too. They insisted on cash at the bank. This is simply unreasonable and clearly appears to be designed to trump up penalty charges.
The bank effectively shut down my access to money over the weekend without notice for {$25.00} that was 5 days late. That is unreasonable. Then they kept me on a circle-jerk phone conversation for almost XXXX hours without offering any solution. This was unreasonable. They refused my offer to make any kind of payment over the phone using any of the XXXX or more cards I offered. That was unreasonable.
All of this was more unreasonable considering my financial position. I have been with this bank continuously for 46 years, I run about {$200000.00} through the account each year, I have never in my life bounced a check, I have an XXXX FICA score and a net worth of at least {$XXXX} XXXX. I am good for this little debt and the bank should XXXX well know it!
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Company chooses not to provide a public response | My home has been recommended for foreclosure and is scheduled to be sold at auction on XXXX XXXX. Throughout this process, I have been working with : XXXX XXXX XXXX Preservation Client RepresentativeNMLSR : XXXX last spoke with her on Monday, XXXX XXXX. I informed her that we had listed our home for a short sale and expected to have an offer shortly. I was calling her as a courtesy so that SunTrust would be prepared for our offer packet to arrive. At that time, she told me that an offer packet would be considered only if it was received before XXXX XXXX, 2015.
As of this afternoon, we now have the offer in hand and a compete package for submission to SunTrust. I called XXXX XXXX office to inform her of this fact and to enquire as to the reason that our attorney had been unable to receive a response from you. XXXX XXXX was not available to speak to me so I was connected with an alternate agent. After I informed this agent that we would be submitting an offer today, she told me that we could not submit an offer for review because we were less than 15 days from the auction date. When I pointed out that, as of my conversation with XXXX XXXX on XXXX XXXX, no 15 day requirement had ever been communicated to me, I was transferred to a XXXX agent. This XXXX agent told me that I can submit the offer packet but that SunTrust would not guarantee it would be reviewed or the auction cancelled as we were within the 15 day window of the auction.
We will be submitting the auction package to SunTrust today. I want to escalate this matter for your full consideration with regard to reviewing the packet and stopping the auction while approval of the short sale is pending. The offer packet is correct and complete. Additionally, the requirement for receipt at least 15 days has never been communicated to me, in spite of the fact that I have been communicative and responsive to XXXX XXXX information needs over that last eight months. More so, the letter from XXXX XXXX for the sale at auction ( XXXX XXXX XXXX XXXX ) did not mail us the notification that our home was scheduled for auction until XXXX XXXX. It was done via registered mail so you will have a record of when I received it. Regardless, it was revised less than 15 days before the XXXX XXXX date.
As we have a complete and correct offer in hand, the 15 day requirement was never communicated to us and the notice of the sale was received less than 15 days before the auction date, I respectfully request that SunTrust agree to review our offer package.
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Company chooses not to provide a public response | Our current mortgage is held by Bank of America that purchased it some years ago from Countrywide. We recently applied for refinancing of our loan to consolidate several other loans for vacation property and home improvements. Bank of America estimates that we could get our monthly payments several hundred $ $ less per month compared to the current mortgage and the monthly payments for the other outstanding debts. We had the house appraised for several hundred $ $ ( non-refundable ) and the report came back at 100K more then the total of the new mortgage. We were not upside down. We have a history of timely and complete payments on our current mortgage as well as on all other debts. Our credit score is in the XXXX range. My wife and I are both employed and I receive a pension from the XXXX that was not included in my yearly income by B of A. Our XXXX is approx XXXX per year. We thought this was going to be a slam dunk.
Yesterday I received probably the XXXX request for further documentation of what I consider artificial hoops placed by their accounting department. To illustrate, we owed {$4000.00} in federal taxes for 2013. they asked me 10 days ago to substantiate the source of the funds to pay this amount. I sent them the image of the actual check endorsed and stamped by the IRS with account and routing # visible. In the last email they requested " documentation to support source of funds used to pay 2013 income taxes '' This after they confirmed receipt of these documents. I am at the point of mistrusting their sincerity in ever getting this loan finalized. I have no clue why they would be putting my wife and I thru this elaborate and redundant process, but here we are with no refinanced mortgage. I have saved all email communication with them as well as the documents sent on this fools errand.
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Company chooses not to provide a public response | Reving my credit score I see some things that I do now that will need to dispute on my Credit XXXX is from XXXX I paid my bill on time every month XXXX day the sent me a XXXX bills said the meter was read wrong trying to get me pay all XXXX bills plus my monthly because XXXX meter was read wrong and they admit it was there fault. Also XXXX other items was XXXX apartments I stayed in was XXXX for both I was on XXXX. they saying I did n't pay info was incorrect if I did n't pay I would n't have effected and would n't been still on the program.
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Company chooses not to provide a public response | Hello, I have Elan Credit Card since XX/XX/XXXX and I got charged interest without my knowledge since XX/XX/XXXX. I did not agree to any kind of interest and they start charging interest without my knowledge or my approval.
I would like to pay Elan Credit Card the balance without any interest or fees that I did n't agree.
I try to communicate with them but they have no email and they never reply to my letters that I send to the address that they have on their website.
Every time I call the associate has to redirect me to an supervisor and the supervisor never answer the phone.
The website is : XXXX For questions about your account or to report a Lost or Stolen Card24-Hour Cardmember Service : XXXX reach Cardmember Service via email, login to your account and click on Messages.
Technical Support For questions about your internet browser configuration or technical support for the Online Account Access website.
XXXX a Payment Cardmember XXXX XXXX XXXX. XXXX, MO XXXX an Overnight Payment Cardmember ServiceXXXX XXXX XXXX StreetSt. XXXX, MO XXXX
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Company chooses not to provide a public response | I had reported to experian that I had reports on my credit report that was not accurate and was doubles and so on. They have yet fixed it or given me any response other than XXXX out of several. I had reported these issues more than thirty days and they have failed to fix it. I am trying to buy a home and this is hindering me from doing so.They are over XXXX points off from the other XXXX.
My name is XXXX XXXX XXXX social # XXXX DOB XX/XX/XXXX
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Company believes it acted appropriately as authorized by contract or law | California Budget Finance. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. XXXX. Charged my XXXX XXXX Bank Account for {$300.00} without my consent in violation of the Fair Debt Collection Practices Act.
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Company chooses not to provide a public response | I made a purchase at an XXXX XXXX XXXX on XXXX/XXXX/15 and paid by check for {$210.00}. XXXX XXXX made an error when processing the check. They transposed a XXXX and a XXXX on the routing number for the bank account. XXXX XXXX then had Certegy Check Services ( XXXX ) claim that the check was no good. ( Certegy claim XXXX ). Rather than XXXX check their processing work, Certegy then handed the case over to another company called XXXX XXXX XXXX XXXX. ( XXXX - again claim XXXX ). I started getting notices a month later saying that I was writing bad checks. I contacted XXXX XXXX ( case XXXX ) and they advised that there was nothing that they could do as they do n't handle the accounting. I then spent 2 months trying to correct the issue. My financial institution ( XXXX Bank ) identified that XXXX and Certegy made an error in the processing and that I was in no fault.
XXXX could not do anything to clear the fault, as it was determined that they did not have the original check. They forwarded me to Certegy who then forwarded me to Complete Payment XXXX XXXX. During this entire time, I was treated like I was dishonest even after having my bank send them a letter identifying where the error occurred. During this entire 2 months of working in good faith to resolve the issue, 1 ). I could not work with XXXX XXXX to ensure that they had their money.
2 ). Complete Payment XXXX XXXX did not notify me at the address on the check or the phone number on the check, rather they sent letters to an address that I occupied 10 years prior. Fortunately, the letters eventually made it to my new address as I knew the new owner.
3 ). I started getting harassing phone calls wanting me to verify my personal information with Complete Payment XXXX XXXX of which I had no idea who they where or why they kept calling me. I had never bounced a check in my entire XXXX years and knew of no outstanding debt. After numerous calls to XXXX, Certegy, my bank and Complete Payment recovery systems, I was able to have the penalty removed from the charge and got them to accept a new check on the same account that they made the error on.
I would of thought that this was the end of my issue as I worked in good faith with all parties on resolving XXXX XXXX mistake but that was not the case.
When I went to write a check for merchandise after spending 2 months to resolve this issue in their best interest, My checks are being declined. Being XXXX years old, having great credit rating, never bouncing a check I would not expect XXXX clerical error by a merchant to cause my checks to be declined. However, now when I go to a store to buy merchandise, my checks were declined with an " Certegy error code XXXX ''. When I contacted Certegy, they advised that my Certegy account had a negative posting ( related to the check processing error ) and that my account would be limited for the next 14 days.
How can XXXX company, working on behalf of another company with no review of their error even after the problem was identified, have the ability to flag my banking account to the point where I ca n't even buy groceries? During this entire ordeal, I escalated with all XXXX companies and was told that they saw the issue, would work on it, and yet nothing happened other than my account being restricted. Now I had to open a debit account with my same bank in order to make purchases and wait 7 days for that to arrive. During which time, I have to pay cash for my purchases and limit any shopping that I do. I have yet to run my credit report, but since merchants are already declining my check, I suspect that it 's on it. This will directly influence any purchases that I make at any merchant out of fear that this happens again.
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Company chooses not to provide a public response | I accepted a fixed percentage offer until paid in full for a balance transfer from US Bank ; a few months later I received a communication advising an annual fee ( {$40.00} ) would becharged starting XXXX XXXX, stipulating the option of paying your bill in full. If I had themoney I would n't have accepted their offer in the XXXX place. Upon being charged, I calledsaying I did n't feel I should be charged an annual fee as I did not use their card forpurchases but paying off a balance transfer. I got no satisfaction by phoning the next yearas well. XXXX of last year I wrote the same objection on my payment slip ; I received theresponse that the annual fee was necessary for the cost of maintaining my account.
This time around I am writing you in the hope of some justice.
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Company believes it acted appropriately as authorized by contract or law | I attended XXXX XXXX. School of XXXX and graduated in XXXX. The legal industry has not recovered from the recession. I am employed full-time XXXX in New York XXXX. I make {$65000.00} pre-tax, annually. I make {$3400.00} a month, post-tax.
I borrowed from the New Jersey Higher Education Student Assistance Authority. When I researched and signed this loan ( really, XXXX separate loans ), I was under the impression the company was affiliated with the State of New Jersey, and as such, would have a loose enough affiliation with the Federal government such that it would be subject to Federal repayment guidelines. Total amount borrowed : {$180000.00}.
The total monthly repayment amount of my NJ HESAA loans is {$1500.00}. On top of that loan, I also borrowed roughly {$80000.00} in Federal loans. My Federal loans have been in deferment/forbearance ( for XXXX and most of XXXX ) and until recently, IBR ( for most of XXXX, XXXX and barely XXXX ). I have been advised that my IBR Federal loans have expired, and was asked to re-apply. I did, and was recently informed by Nelnet ( the Federal loan processing company ) that I did not qualify for IBR. As such, Nelnet expects me to pay {$800.00} at the end of the month.
HESAA, after repeated and courteous requests from me, refuses to offer ANY repayment cooperation. From IBR, deferment, reducing interest rates, NOTHING.
I am youngish ( XXXX ) and fear that I will never be able to crawl out from under this rock of debt.
I am writing to put CFPB on notice that NJ HESAA is a predatory lender and should be treated as such. Thank you for reading and for your time.
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Company disputes the facts presented in the complaint | I pulled my credit report and discovered that this company has reported that I owe them a debt but I never received a letter from them prior to them placing it on my credit report. My rights under the XXXX section XXXX ( a ) were violated.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | I attended XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During this time, I was pressured into signing documents in which I did not have adequate time to review or discuss with a financial advisor. I was told to sign the papers or I would be kicked out of school. They stated that all my loans were through XXXX XXXX XXXX or through Federal Loan funding. Now in XX/XX/XXXX, I have received a phone call from a collection agency stating that I owe them money in the amount of {$2400.00} to a XXXX XXXX XXXX. My wife called and spoke to XXXX XXXX and they state the actual amount of the loan is {$24000.00}. I have never received paper work in regards to this private loan. I am currently working with XXXX and another company to get my federal and XXXX XXXX loans out of default, it came as quite a surprise that I am being told I owe an additional {$24000.00}. I did not receive a job upon graduation from XXXX XXXX, nor did they assist me in job seeking as advertised by their financial aid department and admissions departments. I am at a loss as to my next step with this school as they have ruined my credit and any hopes of owning a home, car or not having wages garnished.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | XXXX XXXX XXXX, XXXX Genesis loanI was forced to get the Genesis loan just so I could stay in the student dorms, and then halfway through the school year they made me pull more money out because they said there was n't enough to finish out the rest of the year, saying that if I did n't either get the loan or come up with the money I would n't be able to finish my entire XXXX of school, I was also forced to pay my loan while I was in school and they took it from my monthly allotment before they gave me my student loan check each month, there is almost no way to postpone payments without defaulting, they say you can lower your payment but there is no way to have a true forbearance on the loan and to top it all off, after I get out I find out the school has been sued for falsifying employment and strong arming for students into loans
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Company chooses not to provide a public response | Dear Madam or Sir, this is a complaint in regard to the XXXX companies providing credit reports/scores.
www.annualcreditreport.comStatement says right under website headline : " The only source for your free credit reports. Authorized by Federal Law. " Complaint XXXX in regard to advertising on the website : Annual Credit Report is not the only source for a free credit report. Instead and like other companies, they provide the free credit report BUT charge the consumer additional money to see their credit score. There is no difference in regard to other companies providing this service.
Complaint XXXX : Annual Credit Report claims to be authorized by Federal Law. There is no signed authorization by Federal Law that those XXXX companies can stand behind annualcreditreport.com as a monopoly. In addition, the foregoing and behavior is very much consumer unfriendly.
Complaint XXXX : the credit report companies disclose different credit scores to consumers working with annualcreditreport.com than to lenders ( for example banks ), without notable or reasonable explanation to consumers. Usually the credit scores provides to lenders are lower than credit scores provided to consumers. Just to give you an example on how consumers feel in regard to the differences between consumer credit reports and credit reports disclosed to lenders ( feel free to check out the comments when scrolling down ) : XXXX the Best, XXXX XXXX XXXX not sure if the above short notes make any impact, but I think that I am not the only one who thinks that there is something MAJORLY wrong and needs adjustment on FEDERAL BASIS. Worth fighting for.
Desired : - no credit score monopoly- absolutely NO credit score differences between credit scores information disclosed to and paid for by consumers, and credit scores disclosed to lenders.
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Company chooses not to provide a public response | 1 ) Subsequent to the loss of my debit business card which of course was timely reported to my bank under regulations E, I have not as to date received immediate returns of my funds as requested under banking regulations.
2 ) There have been numerous UNAUTHORIZED CHARGES which were not made and unauthorized by me and or my business entity.
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Company believes the complaint is the result of a misunderstanding | A cashier 's check was issued directly to First National Bank XXXX XXXX. XXXX XXXX, XXXX, NE XXXX on XXXX. On the check in the memo field was my name as well as an account number ; the account number was incorrect with XXXX numbers wrong. The check was drawn / cashed on XXXX. I called on XXXX and verified payment was received and that there was a XXXX balance on the credit card account with customer service rep ; I then closed the account on the telephone call after confirming a XXXX balance.
Payment was originally due on or about XXXX. On XXXX I received a robocall telling me that payment was over due. I immediately contacted customer service and to my surprise it had not been applied to my account. I contacted my credit union to look into what had happened. They informed me that payment had been drawn / cashed on XXXX. I, as well as the credit union loan officer XXXX called separately to find out what had happened. We called together on XXXX and advised FNB XXXX that the account number was wrong on the check, but my name was correct as well as provided Check number over the phone and we were advised that information was not good enough. My loan officer at XXXX XXXX XXXX XXXX faxed over front and back of the Cashier 's check that they had drawn / cashed to their accounting group on XXXX as instructed. The loan officer attempted to speak with them again and received no new information XXXX. I also called today on XXXX and have no new news about my payment that was drawn / cashed on XXXX. My account is now very past due and should have been paid in full and closed.
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Company chooses not to provide a public response | I have been a bank of America customer since XX/XX/2005.I opened a checking, savings and a credit card account, my issue is with the credit card account 's APR percentage, it went from10.99 % to 16.99 %. I spoke to the account manager/ account specialist about lowering the APR I was told there was no promotion available for my account they could n't do anything for me. The reason for the APR increase was the bad economy, the economy has recovered yet Bank of America refuses to lower my APR. I feel wronged ... that 's not how you treat a loyal customer!!
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Company chooses not to provide a public response | Unable to find a way to file this type of complaint through the dispute system for Experian. My credit score dropped from XXXX two weeks ago to XXXX this week. There is no reason documented in my credit report why it should have dropped, all XXXX of my credit accounts are in good standing and never late. i have been paying XXXX accounts to XXXX every month. There are no major inquiries into my credit. There are XXXX old old negative accounts due to a real-estate short sale in 2010 but they have been accounted for all this time. there is no indication as to why is would have dropped. They keep mentioning that missed payments are the biggest reason for drops in a credit score, but i see no account or know of any account where I have missed a payment or was late on a payment. I would like to have a reason or have my credit score restored to the XXXX that it was before. Thank you. -XXXX XXXX XXXX
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Company chooses not to provide a public response | I went to the US Bank on XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX. XXXX XXXX was the teller that I spoke to. She was very courteous and professional. The problem is I presented a check drawn on US Bank, made out to my business, with a signature guarantee from XXXX XXXX, and she refused to cash the check or make it into a cashier 's check. I have done this without a problem before. She was nice enough to call a supervisor but the refused to cash the check as well. XXXX did mention that the " in store '' locations have different rules than the " main branches '' and to try again tomorrow at a different US Bank.
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Company disputes the facts presented in the complaint | My significant other and I moved out of XXXX XXXX XXXX XXXX in XX/XX/XXXX. I was told by XXXX in which I would receive a final list of charges if any. We had not received any notice until XX/XX/XXXX from XXXX XXXX XXXX regarding a balance owed on the account. I immediately called the company in reference to the matter. Not fully being aware of what the charges were for, I spoke with representative XXXX XXXX. XXXX XXXX was very nasty in the beginning of our phone call stating that the balance has already hit our credit and when we were going to pay. I resulted in a follow up call with the matter XXXX XXXX. I called XXXX XXXX to discuss payment options and possibly setting up a payment arrangement. XXXX XXXX was very aggressive on the phone call and over talked me every way possible. I have never endured such disrespect when handling a possible legal matter. XXXX XXXX refused to let me become aware of my options, and yelled for me to pay the balance in full. I will never deal with this company with any of my business matters. I do not trust the employee of this company. I spoke with supervisor XXXX and he alerted me the information that she gave was incorrect. I will be serving this company with a cease and desist letter stating that I do not want this company handling any business matters.
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Company believes it acted appropriately as authorized by contract or law | In XXXX XXXX I received a loan for {$2500.00} from XXXX XXXX XXXX that i planned on paying back within 2 months. I did n't get paid by employer what I was supposed to ( won a judgement against employer in XXXX XXXX ) and was n't able to pay the loan off immediately. The loan was serviced by CashCall ( a subsidiary/affiliate/shady partner of XXXX ) and eventually was transferred to XXXX XXXX ( another shady affiliate ). I made monthly payments of {$290.00} for 12 months. This amounted to {$3500.00}. About this time I did some research wondering why XXXX different companies were involved in the loan. That 's when I discovered all the different complaints and lawsuits and legal issues with the XXXX companies. I also found out that recently XXXX XXXX XXXX website had been shut down and had US government agency labels on the site. I decided that obviously they are n't doing things legally so I stopped paying. My credit was n't good so I did n't care, I knew I just could n't keep paying that amount, I was raising a child at the same time. I cancelled my bank account. The harassment came almost daily. Phone calls everyday, emails, and letters. I eventually told them they had the wrong number and the calls stopped. Eventually it came down to an email every other month offering a settlement with an ever increasing outstanding balance. Now it is XXXX XXXX and i am trying to qualify for a mortgage and this is hurting my credit which is now much better than it used to be.
The entire loan was null and void from the beginning. XXXX XXXX XXXX was issuing loans that were illegal in their state and in my state of Arizona.
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Company chooses not to provide a public response | I filed a Ch XXXX in 2004. I did not reaffirm my debt with Regions Mortgage. But, in violation of the Bankruptcy Stay, Regions reported that I missed XXXX payments after the bankruptcy. Then Regions transferred the property to XXXX Mortgage who wrongfully reported that I missed XXXX payments.
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Company disputes the facts presented in the complaint | Several months ago, Valentine and Kebartas, Inc. ( VKI ) began contacting me using my work cell phone number regarding the collection of a student loan debt that is not mine ( I have never carried a debt related to student fees or tuition and this simply can not be my debt ). Each time I was contacted ( at least XXXX times in the past 4 months ) I responded by indicating that, while I have the same first and last name of the individual they are seeking, I am not that person. We have different middle names, we live in different states, and we have different social security numbers ( why would I know that? see below ). In some cases their telephone representatives were rude and dismissive. In XXXX case, their telephone representative hung up on me.
Despite my repeated attempts to dispute the claim and assert that I am not the debtor, VKI has continued to contact me by calling the main reception line at my workplace and by sending " orders of withholding from earning '' statements to my work address. These notices include the full name, address, social security number, and total amount currently due of the debtor they are seeking to collect from.
At first I thought it was simply incompetence that led them to make repeated attempts to contact me via my work cell phone. When they began contacting our main reception line and sending XXXX Mail to my work address, I realized it is not incompetence. Through their repeated attempts to collect a debt from an individual who has made a good faith effort to inform them of their mistake, VKI has:XXXX. ) Demonstrated a clear and willful pattern of creditor harassmentXXXX. ) Negligently violated the privacy of the actual debtor by freely distributing that individual 's name, address, social security number, and " amount due '' XXXX. ) Negligently caused damage to my personal and professional reputation
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Company believes it acted appropriately as authorized by contract or law | I received a medical bill fromDesign Receivables Solutions Incorporated and Company, XXXX XXXX XXXX, XXXX XXXX XXXX , CA.
This is after two years of my date of service an emergency room. I had received other bills concerning my treatment on the XX/XX/2013 which have all been settled by my insurance.
Some bills arrived in the post more than XXXX time until they where resolved by insurance.
Another debt collector service called me in 2013 to negotiate payment for a bill.
This particular company kept silent about the fact that I still owed for two years and then sent me a bill after I changed my address. I called them and said I have insurance and I have sent my details.
They responded that my insurance can not cover my bill because two years have elapsed. I replied that if I send my insurance details in answer to a bill and a creditor does not respond, I will assume that the bill has been settled by insurance.
The collection agency has to response to the question- Why wait you wait two years to send a demand letter for a debt or send a follow up that you did not receive my response to your demand letteror send follow up letters continually demanding my debt to youror send a letter or phone call stating that you received my insurance details and my insurance does not cover the debt for the service offered.
I searched XXXX, XXXX and XXXX company online and found out that this is their usual practice
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Company chooses not to provide a public response | XXXX XXXX XXXX account number XXXX.This account is listed on my report as last payment made XX/XX/XXXX, that 's incorrect my last payment was XX/XX/XXXX.XXXX fail to validate this account and my name is incorrect.
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Company believes it acted appropriately as authorized by contract or law | I worked at XXXX XXXX cable and received free cable while I was employed. When I resigned I cancelled service and moved ( XX/XX/XXXX ) yet XXXX XXXX kept billing me ( until XX/XX/XXXX ) at an old address. XXXX XXXX has now opened a debt of {$540.00} in my name with a XXXX aprty collection company XXXX ( Open date : XXXX XXXX ) which just showed up on my credit report. I have asked both XXXX and XXXX XXXX XXXX. I never recieved any notice of this debt until it showed on my credit report on XXXX XXXX. I have called each company numerous times and they will not return my phone calls.
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Company believes it acted appropriately as authorized by contract or law | On XX/XX/XXXX I bought a prepaid debit card through NetSpend from my local grocery store ( XXXX ). I purchased the card for {$4.00}, and put {$130.00} on the card to pay my car insurance from my computer. Once I got home I attempted to activate it. I put in the necessary information ( SSN, birthdate, full name, etc, ). Once I completed this process and put the inactive card number in, I received and error message and was instructed to call the company. I did not see anything strange with this as I have had my identity stolen before. I called and attempted to complete the process over the phone and was directed immediately after entering my number to a customer service agent ( which I use this term very loosely as you will soon realize ) and was first informed about a previous charge on my card from five years ago that resulted in a negative balance of {$XXXX}. I was then told that until I cleared this debt, I could not activate my card. My only other options were to of course let them take the funds " owed '', or to get a refund on my purchase and wait 20 days for it to come in the mail. In addition to that I would be charged a fee for them to do this. In retrospect I did not react well to this news. I became quite the person to deal with and I ended up hanging up the phone because I was so frustrated. After I had calmed down just a bit, I called them to try to find out about their policies and where it stated that they were allowed to do this. I still have not gotten the answer to that. I was then told by a representative, that I would need to submit my ID, SSN, and proof of residency. I have done this countless times from this past Friday until now, but they keep saying different things like I did not receive a reference number, my copies were incomplete. Today I have scanned the documents in versus taking a photo from my phone, so hopefully this annoyance will cease. As for them taking my money, I have researched and researched. From what I have gathered, they can not legally do this, especially since they made no attempts to collect said debt from XX/XX/XXXX. Their response is that they treat me like any bank would when there is a balanced owed. My response was that a bank would attempt to collect said debt, through email, snail mail, or phone call. It is even more frustrating since I have told them they may collect said debt, and they still refuse to activate my card. I have repeatedly told them that I would no longer be bothered with their company or their services once this has been done. Why can I not have access to my own funds? Why am I punished for a debt I have no knowledge of from XXXX years ago? Please let me know if I have missed some legality.
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Company chooses not to provide a public response | I received letters from Wright Lerch & Litow ( Indiana ) in XXXX and XXXX stating that I owe a debt in the amount of {$3900.00}. I disputed the debt in XXXX and XXXX. XXXX XXXX, Wright Lerch & Litow filed suit in Indiana Small Claims Court. XXXX XXXX, there was a hearing I denied the debt. I asked for Discovery and found out that XXXX and XXXX ( Not Located in Indiana ) are actually suing me. AT NO TIME did Wright Lerch & Litow make it known that they are representing XXXX. One of the documents from Wright Lerch & Litow, states the client is XXXX XXXX XXXX and the Original Creditor is XXXX Bank. Another document from XXXX XXXX of XXXX Bank dated XXXX XXXX, XXXX states " findings were forward to Attorney XXXX XXXX XXXX. Never XXXX has any of XXXX Bank 's documents listed XXXX XXXX XXXX XXXX as the attorney. I requested " terms and agreement, '' contract between Wright Lerch & Litow and XXXX Bank, contract between Wright Lerch & Litow and XXXX XXXX XXXX and between XXXX Bank and XXXX XXXX XXXX. I have not received any documents giving Wright Lerch & Litow or XXXX XXXX XXXX the legal right to sue me. There is no contract, terms and agreement, no credit card statements for XXXX, XXXX and XXXX they ca n't provide me with any proof of transactions XXXX, XXXX, and XXXX. Wright Lerch & Litow FAILED to name all necessary party and misrepresentation. I do not know who the real lawyer is and feel it is illegal practice.
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Company chooses not to provide a public response | This debt company under the name First Point, they are trying to collect from me the amount of {$75.00} from the XXXX XXXX XXXX with the Patient account number XXXX.
This was paid in a full total amount of {$210.00} as a co-payment with the check number XXXX and not a down payment before the admission for the XXXX and the insurance medical company covered the rest, There was no extra balance pending to pay.
Paid in an Full Amount.
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Company believes it acted appropriately as authorized by contract or law | I got a call from XXXX at R M Jackson & Associates Pc about a debt that is or is not real and over 7 years old last week. I asked him not to call me during work hours, please call me after XXXX to ensure that i am not at work. He called the next day and I was not able to answer the phone, he left a message. Today he called the main line of my work and asked to be transferred to me. He left me a voicemail on my office line phone and when i called him back I told him I asked him not to call me during work hours and asked how he got my number at work to my desk not my cell phone. His response was that it was his job to know where I was and his job to track me down. So he tracked me down and called my land line work number. He also told me when I asked what this would do to my credit report if I paid it off that he was not reporting this to any credit report. All of this i find to be troubling over a debt that is at least 7 years old and he will not verify to me other than it is for a vet office for a dog named puddles ( a dog that died well over 7 years ago ). How he has the info he does on me is worrying to me and I am not okay with him calling my office to talk to me and asked him not to contact me during business hours.
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Company chooses not to provide a public response | I made a dispute with a particular account on my Experian credit report. The creditor investigated the dispute and it was resolved. I no longer dispute the remark. However, after the investigation, the creditor added a remark " Account disputed by consumer ''. I asked Experian to remove this as I released the dispute, and no longer disputed anything. They refused to remove it and advised that they have to get the creditor 's approval before removing it. The creditor says it can only be removed by the credit bureaus. This has been detrimental to my home loan application.
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Company believes the complaint is the result of a misunderstanding | I have serveral loans through the Vermont Student Assistance XXXX or VSAC. I am currently ahead on payments ; however, after several attempts to have the overpayment and/or ahead payments applied to the principal balance. Accorday to VSAC it is against their policy to put the overpayment to the highest principal balance, rather they mandate that the overpayment be put towards the lowest interest loans. If this was my home mortgage i would be able to make an over payment towards interest, escrow or prinicpal. Since when does a non profit have the ability to tell me how to use my money when I am over a year ahead on my loans. It seams that it lines their pockets more because instead of paying off the highest interest loans, they tend to funnel my payments to the lower interest ones.
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Company chooses not to provide a public response | Filed for a remodification with Bank of America, was approved with no principal balance or interest rate reduction. Was told because I have an FHA loan I was not eligible.
Now I have to consider paying an attorney XXXX to take care of it, why?
My property is XXXX underwater. I requested a letter from them a week and a half ago and never re eived it.
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