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Company believes it acted appropriately as authorized by contract or law | To Whom It May Concern : I am writing to express my extreme concern at Sallie Mae 's abhorrent customer service and loan application process. I was accepted into an XXXX program ( XXXX XXXX ). As such, Sallie Mae was the only XXXX loan servicing option. As far as I can tell, Sallie Mae has virtually no accountability to its customers- the students and parent borrowers shoulder all the responsibility for ensuring the proper handling of the loan application in a timely and polite manner. On no less than XXXX occasions, I have been deliberately mislead by Sallie Mae staff- not only does this slow down my application and distribution of a loan, but it decreases my belief that Sallie Mae can in fact handle my personal information with any security. My future is at risk- in more ways than XXXX, and that is simply unacceptable. Although students and parents are borrowing from Sallie Mae, we are still your clients and repaying that amount with interest.
In no particular order, please find a list of grave mistakes that potentially impact the credit decision:1. Deliberate misinformation by Sallie Mae staff : a ) Sallie Mae staff upon requesting additional information, told us to fax a XXXX. When I called to determine if it were in the system, I was told it should have been uploaded. The staff member never mention uploading as an option. So now there is a faxed XXXX floating around in Sallie Mae HQ.
b ) 3-5 business days ''. Each time I called, I was told it would be 3-5 business days, after 5 days I called and was again told " 3-5 business days ''. At this point in time I discovered that Sallie Mae staff had not even reviewed my file ; after review more information was needed causing an additional 3-5 day delay.
c ) Not being truthful about opening hours. In a one week period, Sallie Mae staff mislead me about their offices being open XXXX. XXXX Further, the " days off on Sallie Mae 's websites, are in fact incorrect ''.
2. In a decision letter, the reason cited was " non payment of student loans, serious delinquencies of 30 days ''. After a careful review of my credit history, this is nowhere to be found. My student loans are paid in full each month, except when in deferment - which should not be held against me. I am curious who 's information this was and why it was affecting my loan decision.
3. Refusal to give extensions, every employee has a new answer. I have spoken to over XXXX employees. Each one has asked new questions, the same questions, and there never seems to be a record. This is a waste of time. Customers can not reach certain departments without being transferred. It seems that Sallie Mae wants to discourage customers from speaking to certain departments as much as possible.
4. Inability to accurately record the personal information of loan applicants : in XXXX phone call, I learned that Sallie Mae staff had incorrectly input my information. Obviously, this can impact credit decisions.
I am unclear about what type of training Sallie Mae employees go through, however, they all have access to social security numbers and other personally identifiable information ( PII ). Due to the lack of competence overall I have seen, I am unconvinced that my information and that of my co-signers is safe.
At the very least, Sallie Mae owes it to its consumers to ensure person information is secure, the loan process is transparent, and that each loan applicant is receiving accurate information about deadlines, decisions, and opening hours.
XXXX XXXX
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Company chooses not to provide a public response | Basically I started an account with bank of America because I really love what there bank has to offer. A week or so later they close my account and tell me to come and pick up my money at a location and still to this day will not give me a reason why or will not allow me to have an account with them
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Company chooses not to provide a public response | To Whom It May Concern : I began the process of a short sale with Bank of America on XX/XX/XXXX, over 1 year ago. After 9 months of XXXX valuations, uploading and re-uploading docs already sent, numerous escalations and a complaint with the CFPB, BOA finally approved the short sale and sent closing docs to title in XX/XX/XXXX. Close of escrow per BOX needed to happen no later than XX/XX/XXXX. Unfortunately, because BOA and its 3rd party negotiator did not process my request for SS in a timely manner, the buyer of XXXX XXXX XXXX XXXX # XXXX, XXXX, Az, walked away from the contract ( XX/XX/XXXX ). My realtor quickly put the property back on the market, received a new contract ( {$2000.00} less than prior contract ), and I once again completed the required hardship forms, authorizations, etc, which were uploaded back in the XXXX system. In my hardship letter, I specifically asked that all documents go to the prior Office of the President Negotiator, XXXX XXXX, so that the process could keep moving forward. Once again, this did not happen, an entirely new Short Sale request was opened, and we started from square one with a new 3rd party negotiator. The same series of events are happening, requests for docs already signed, then someone does n't like a date, or they say realtor needs to resign forms, and now, oh we need yet another valuation. We knew that the last valuation was done in XX/XX/XXXX, and yet now in XX/XX/XXXX the negotiator has realized that valuation has expired. XXXX XXXX, negotiator has communicated with me better than anyone over the last year, however, we need BOA, Investor and MI approval QUICKLY, due to a foreclosure date of XX/XX/XXXX being set. At the time I began the SS over a year ago, I had a job and tried to manage my payments. However since that time, I have lost that job, now am on unemployment, and am simply running out of time to get this done prior to a foreclosure date. MY REALTOR DID SECURE A RENTER FOR THE PROPERTY, SO IT IS TENANT OCCUPIED AT THIS TIME BY A XXXX VETERAN. Please note that this Veterans Rent is paid by XXXX, City of XXXX, and should this foreclosure happen ... ..Bank of America will be putting a Veteran back out on the street. We would not be at this juncture, had someone processed all XXXX attempts at this SS in a timely manner. I am asking once again that XXXX XXXX, negotiator with BOA Office of the President, step in and get this SS to all appropriate parties for approval. There was an issue with Mortgage Insurance approval ( placed on the XXXX loan without my knowledge after origination ), which will need to be addressed again. One would think it would be more financially advantageous for Bank of America to accept and approve a Short Sale rather than have the cost of the property moving through foreclosure.
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Company chooses not to provide a public response | XXXX XXXX, has Fail to validate at my request on XXXX/XXXX/2015. The amount XXXX XXXX is reporting is incorrect {$1000.00} is totally ridicules, I have never owed that amount..
i sent this complain to XXXX and XXXX XXXX.
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Company believes it acted appropriately as authorized by contract or law | Union Pacific Financial did an escrow analysis and they calculated my taxes about {$820.00} more per year. I have called them several times to get this issue resolved. Faxed the County auditor 's page that shows my property tax amount XXXX and finally after speaking with several people they are finally reviewing my request for an adjustment. My payment went from {$1000.00} to {$1500.00} because of their negligence to accurately review the amount for the escrow. There customer service representative are rude and do n't care about helping the client and getting the issue resolved. I have to call almost on a daily basis to make sure this issue is resolved and they calculate my monthly payment correctly.
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Company chooses not to provide a public response | I received phone calls on my mobile from citi bank credit card from number XXXX about past due and i did return call again same number and their system identify me by my home phone number and system says " we are attempt to collect debt Any information obtained will be used for that purpose. '' my question is i just miss the XXXX payment on my credit card account and I took immediate action and made payment. my question is why my credit card account is under " attempt to collect debt ... .that purpose '' Is it under collection agency or i have balance and did not paid full each month it means my account subject to collect debt.
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Company chooses not to provide a public response | I COMPLAINED TO CFPB THAT I AM HAVING PROBLEMS WITHGETTING M Y $ XXXX BACK REWARD. I RECEIVED A LETTER FROM THE PRESIDENTOF THE COMPANY THAT MY ACCOUNT WOULD BE CREDITED AT THE END OF THE NEXT BILLING CYCLE ( XXXX XXXX. ) ICALLED THE CREDIT CARD COMPAN Y TODA Y AND THE REPRESENTATIVE SAID SHE COULD N'T CONFIRM AND SHE WOULD SWITCHME TO A SUPERVISOR. I WAITED ON HOLD FOR XXXX MINUTES AND THEN HUNGUP. I REQUEST IMMEDIATE PAYMENT OF THE MONEY I HAVE EARNED.
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Company chooses not to provide a public response | I I received a letter from the court house that the judgement has been removed, and i would like experian to remove the judgement from my credit report.
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Company chooses not to provide a public response | Dear Bureau of Consumer Financial Protection : It is with heavy heart that I am complaining to you of my long story of punishments being extended to me unnecessarily for about 8 years now. I am sorry if your offices are not the appropriate places to lodge my complaints but I believe that I am not wrong. My complaints are so complex that you need to step in and help me resolve these issues.
I was formerly a XXXX that I could only XXXX about XXXX years in XXXX, and about XXXX years again here in the United States of America since I became American citizen. I left XXXX in XXXX when my XXXX began worrying me with XXXX. I opened XXXX.
In XXXX, I went to see my private physician who declared me XXXX with a certification that I was permanently XXXX for life. I could not believe that at first and I was in serious denial considering my age then.
However, I began walking with walking stick. In XXXX XXXX, I went to an emergency hospital where they discovered a major problem with me and transferred me to their surgical unit and I liked it for a XXXX opinion as to what was happening to me. A team of about XXXX. I began asking them if I was about to die. XXXX.
To cut the story a little short, they immediately operated upon my back which took them from XXXX. to XXXX. on that same day. Well, the problem of not being able to even put my XXXX resulted. My little children were the ones doing those for me while I was crying daily for what befell me.
After about XXXX months from the surgery time, when I thought that I could XXXX, I was struck with a XXXX in XXXX XXXX. I had XXXX rental houses which I abandoned since XXXX XXXX which was bought by XXXX XXXX Bank had lien on them. I wrote them explaining what had been happening to me which led to my not being able to pay them both equity line of credit I had with them and the mortgage loan I took from them. They even did not care when I told them that what happened to me was an act of XXXX. My XXXX different tenants capitalized on my predicaments and made away with XXXX months of rent each and vandalized the XXXX properties. I sued them and got judgments but never got any penny from any of the XXXX different tenants.
On top of that XXXX XXXX bank sued me and my wife, and won judgment against us but wrote us that we had finished paying them the mortgage and equity line of credit we were owing them. We filed an appeal explaining what happened to the Judge who advised that we should retain a lawyer to help us. We argued that since we have finished paying them all the money we owed them, why do they still maintain their judgment against us? The lawyer we hired managed to get the judgment against us vacated.
I took time to write the XXXX major credit bureaus of my story, yet copied them the XXXX letters of completion of payments but they do not want to remove the adverse reports against us. I have asked them to verify everything I have said but they keep hurting us with their adverse reports. Even XXXX was giving us XXXX of the properties back but we declined the offer due to my incapacitation. We do no longer owe XXXX any penny. Our credit ratings should in fact be the best now. I copied the XXXX credit bureaus the letters of satisfactory payments of the mortgages but unable to locate them as I am still sick.
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Company chooses not to provide a public response | Bank of America mistakenly retained {$3700.00} through an erroneous merchant service transaction with my business. Although they acknowledge that they have this money that does not belong to them, and that it was a mistake they should have caught, they are refusing to give me my money back.
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Company chooses not to provide a public response | there are multiple inquiries about XXXX on my credit report that are from years ago that I am telling them that I did not do and they refuse to remove them and this is drastically hurting my credit report
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Company chooses not to provide a public response | I contacted CFPB to dispute a negative mark XXXX XXXX XXXX collecting a debt for payday loan yes. it showed XXXX in 2008. I have never heard of payday loan yes. I never received any correspondence from XXXX or XXXX loan yes. Their response to CFPB is on file case # Case number : XXXX ; however, the negative mark has not been deleted from either credit bureau as promised. I also disputed with the credit bureaus and informed them of the response on CFPB ; however, they continue to report.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | XXXX XXXX IS REPORTING FORECLOSURE AND JUDGEMENT ON MY EXPERIAN CREDIT REPORT SINCE XX/XX/2014.
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Company chooses not to provide a public response | After contacting Citibank, when XXXX XXXX XXXX would n't allow me to make payment arrangements, they contacted me and told me to contact them. Citibank gave me XXXX wrong contact number. Citibank gave me the following number XXXX, which is the XXXX XXXX service desk. I XXXX number XXXX, called them XXXX, and was forwarded to a machine to leave my name and contact number. I did that, the first contact was XX/XX/2015, the last contact being XX/XX/2015, and no one has returned both calls.
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Company chooses not to provide a public response | My loan company Quicken Loans is trying to auction off my home. They have not allowed me the opportunity to go through mediation as required by Maryland law and they have not reviewed me for ANY programs that may help me save my home. This is an FHA loan and I have been told that there are several programs available on FHA loans to help homeowners who are struggling. I had a hardship and it caused me to fall behind on my loan but I have recovered from this and am working and trying to fix the problem with Quicken Loans. However, they tell me I have to pay them all the late payments at once or they will auction my home. I live here with my wife and XXXX children and I do not want this to happen.
I bought my home in XXXX and completed an FHA streamline refinance through Quicken Loans in XXXX. In XXXX XXXX my wife was pregnant and she saw a large snake in our house. She was very scared and essentially refused to live in the house because she was scared for the baby and for our other small child. So we had to move out of our home and stay at my mother 's house for XXXX months. I had to pay my mother rent, as well as pay the utilities and mortgage payment on our home. A couple of months later I began falling behind on the mortgage payment. My wife insisted that I hire people to come out and clean out the entire house and treat it with reptile repellent. This was expensive and it took a while to get this done.
Shortly after I began missing payments I tried to start the review process with Quicken Loans. I was assigned a case manager but I was rarely able to speak with this person, and instead talked to other workers who were not knowledgeable. This went round and round for XXXX months -- I would be told I am now in review with the underwriter, then I find out a couple of months later that the review was not completed because of this or that document and now we need to start over.
This is not acceptable. We have moved back into our house, so the hardship has passed. I am gainfully employed and can afford a fair mortgage payment. However Quicken Loans has not given me any options other than full reinstatement, which I am not able to do.
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Company believes it acted appropriately as authorized by contract or law | Penny Mac purchased me Note from XXXX, At the time my loan was sold XXXX had agreed to terms on a loan modification. Penny Mac then required me to resubmit a new package and I was turned down. It was then requested I resubmit which I have done several times and have not had any resolution.
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Company chooses not to provide a public response | Our home ( primary residence ), as a result of 2008 crisis, was sold at a Short Sale. The home is located in Arizona, an anti-deficiency state. More than 2 years has elapsed and our credit is now reasonable ( XXXX ) per credit karma but each of the XXXX reporting agencies show the mortgage debt which was with XXXX XXXX Bank as " Settled for less than full balance ''. My understanding is that applicable law in anti-deficiency jurisdictions is that the language under these circumstances should be ( Paid as agreed } and while I have exhausted every complaint and supervisory board request involved with XXXX XXXX, XXXX, TransUnion and XXXX, none has agreed to alter the statement concerning my short sale to Paid as Agreed. it is my understanding that since a borrower is not personally liable for a loan such as this, it is inaccurate for the lender or the credit reporting agencies to report the short sale as anything other than " paid as agreed ''. The XXXX XXXX loan was # XXXX with a physical address of XXXX, Arizona XXXX
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Company chooses not to provide a public response | I filed a dispute concerning XXXX XXXX. When I did n't get the response I expected I filed a report with CFPB. I received a letter from XXXX XXXX stating that " XXXX XXXX reported your account to the credit reporting agencies as a " Satisfactory Account- Closed at Consumer 's Request '' in XX/XX/XXXX. In XXXX and XX/XX/XXXX, your account was reported as " 30 days past due '' and " 60 days past due '' respectively. However, upon the closing of the billing dispute noted above, your account has been re-aged. The delinquencies have been removed and your account will report as current for XXXX XX/XX/XXXX with the next reporting of your account. We regret any frustration you may haveexperienced as a result of this situation. The issue regarding the credit has been escalated to the appropriate team for further research. " I called Experian and asked why my account has n't been re-aged and why they reported the Account closed as of XXXX, not XXXX. I stated that I attached the letter from XXXX XXXX. XXXX from Experian explained that the Account # XXXX XXXX reports is different than the Credit Card Account #. XXXX said that they will send the letter to XXXX XXXX to verify.
Why was n't the letter sent to me by XXXX XXXX verified before completing the dispute? I would like this issued resolved as it seems to be lingering on.
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Company chooses not to provide a public response | XXXX opened account under my name with no consent and send to collection. Collection Agency is going damage my credit. Tenants never open account on XXXX XXXX and after two years and half XXXX XXXX found it and do not prosecute the person who used the service. I went to XXXX XXXX office in XXXX XXXX and they asked me to give proof with leases. I gave them leases and evictions. The clerk took copies and said we contact you. Yesterday i received the collection letter. I will not pay services i never used also XXXX XXXX did not send the interruption service timely to avoid this. Please helpme to stop this abuse.
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Company believes it acted appropriately as authorized by contract or law | I received a call from XXXX. On my caller ID on my Cell Phone, it showed as XXXX XXXX.
I answered the phone to see who was calling. If it was XXXX, which I have never done business with that I can recall, I wanted to make sure I was on their XXXX list.
The rep came on the line asking to speak to me. I said she was speaking to me. She wanted to verify my address " for security purposes. '' She never identified herself as being a debt collector, that she was attempting to collect a debt, or what company she was from. She only advised that the call was monitored and/or recorded. I do not recall the name. I did not have anything to write it down. I advised that without knowing the company she was calling from, I would not give any other information. She said she would notate and hung up.
I called back the number to learn they are ERC. They are trying to collect on a debt that I owe to XXXX. When I asked if they are masking numbers, explaining that I got a call that was coming from " XXXX '' she said they have many numbers they use.
Problems with initial call I received:1. Deceptive phone number usage.
2. Not identifying as a debt collector3. Refusal to provide company name when asked directly for it.
I know for a fact that debt collectors have to identify they are attempting to collect a debt ( when I called back, the only way I knew they were attempting to collect a debt was when the person told me the company name ). I also know that they *have* to provide the company name when asked.
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Company chooses not to provide a public response | The Identity Theft Assistance XXXX is a nonprofit dedicated to working with industry, law enforcement and government to help consumers prevent, detect and recover from identity theft. Founded in 2004, our mission was to put consumers and their experiences XXXX in the fight against identity fraud.
I was a former customer of Bank Of America Corporation. Bank Of America Corporation closed my account after I was a victim of documented fraud.
However, contrary to the XXXX policies and marketing material available via XXXX : XXXX Bank Of America Corporation refused to provide me with a referral to the Identity Theft Assistance Center.
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Company disputes the facts presented in the complaint | I was approved for a mortgage loan we found a house we loved everything was rolling into place paid out of my pocket {$1500.00} for inspections then was still told everything was good still with my loan then I put out another {$500.00} for a hot water heater that needed to be installed cause the water heater failed inspection. Everything was still approved had the go ahead from mortgage broker so my realtor was trying to schedule a closing date with my mortgage company. It was then at this time the Mortgage broker XXXX XXXX contacted my realtor and said it was n't going to fly that was all he said to my realtor that was in XXXX I still till this day have NOT heard from XXXX never contacted me to tell me what happened all of the sudden and why did it NOT fly when I put all this money into a house I thought was mine and my families I also called XXXX and left Several messages with him and he still has not returned any of my calls I am very upset with how XXXX XXXX from Aurora Financial group handled my loan and treated me as a customer purchasing a home.
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Company chooses not to provide a public response | According to the Credit Card Agreement governing our account, " An Annual Fee of {$59.00} [ is assessed ] in XXXX 2015. The Annual fee will be assessed each XXXX if your account is open or if you maintain an account balance, whether or not you have active charging privileges. '' ( Page XXXX of Credit Card Agreement for XXXX XXXX XXXX XXXX.
On XXXX XXXX, 2015, the account was assessed a fee of {$59.00}, identified on the billing statement as " ANNUAL FEE. " I contacted the company and asked them to remove the fee. According to the terms of the Credit Card Agreement, the annual fee shall be assessed " each XXXX. '' There is no provision that authorizes an annual fee charged in XXXX. There is no provision that allows an annual fee to be charged at a later date if it is not charged in XXXX.
The company refused to remove the fee, arguing that since the fee was not charged in XXXX 2015, it was now due. I disagree because we received no notice of a change in the terms of our Credit Card Agreement authorizing an annual fee in any month other than XXXX.
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Company chooses not to provide a public response | I have had a credit card with citibank since XX/XX/XXXX.ALL of the payments were made on time and ALL of the payments were paid in full EVERY month. Citi bank has only reported 14 months of payments in the history part of the credit report. This is hurting my credit rating by aprox XXXX points. I have contacted citicard numerous times and the bureaus to get this corrected. it is stopping me fromgetting a loan and my insurance rates are higher than what they should be. there are 216 months of payments that should be reported in my payment history.the credit bureaus keep telling my my score is low because I dont have a long enough payment history and I dont have enough lines of credit. I have XXXX credit cards and can not get a XXXX one because my score is low due to the short payment history that citi is reporting.
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Company chooses not to provide a public response | I am filing this complaint on behalf of incorrect and improper information
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Company chooses not to provide a public response | Iowa Student Loans ( now Aspire Servicing ) is harassing myself, my family, & friends even though I am up to date on my payments. They are currently calling anyone I have ever put as a reference in a very creepy manner, refusing to say why they are calling. This is scary to my loved ones as I am currently going though a custody battle & they have been worried for my son & I 's safety. I am personally receiving calls up to XXXX times per day on my phone while I am at work. I had to block their phone number as the constant calls was disrupting my life. I do not see the need for constant calls when I am up to date on payments!!!!!!!!!! Now they are calling from other numbers. When I answer they refuse to say what company is calling. For my safety I can not play these games, as it could potentially be my ex up to no good again. Again, this is irrational & harassing as I am up to date on payments. When I call their XXXX number to get to the bottom of this, when I finally get a human on the phone they are confused as to why they are even calling. Yesterday I was told " we would never call you like this unless you were behind on payments. '' Once I pointed out that I am not behind on payments the man on the phone was very confused & put me on hold. I warned him that I already had a patient in the waiting room & asked for a supervisor 's phone number so I could call back later to attempt to resolve this issue in a timely manner. He refused to give me a number to call back ... This constant & unnecessary harassment is causing me unnecessary stress & causing my XXXX to worsen. Please help me resolve this issue.
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Company chooses not to provide a public response | I WAS TRYING TO BUY A NEW CAR AND THE CAR DEALER TOLD ME MY CREDIT SCORE was too low to get the best deal. It ended up costing me at least {$3800.00} more dollars! I HAVE ALWAYS HAD A HIGH CREDIT SCORE. XXXX AND XXXX HAVE RUNIED MY SCORE. THEY ARE OWNED BY THE SAME CO. THEY DO NOT ACT LIKE OTHER COMPANIES THAT YOU HAVE BEEN WITH FOR YEARS.THEY DELIBERTLY TRY TO UNDERMINE YOU. I AM XXXX YRS OLD AND HAVE SPENT XXXX XXXX YEARS BATTLING A CONDO I BOUGHT THAT DID NOT HAVE A WORKING XXXX. I HAVE NOT BEEN N MY HOME FOR OVER XXXX MO THIS TIME. THEY CALLED TOSAY I HAD NOT PAID A BILL. I SHOWED I DID AND WANTED TO PUT IT IN DISPUTE FOR I WAS LATE TO A MEETING AT MY HOME. THEY DID NOT. THEN THEY DID NOT SEND A BILL I REQUESTED ANOTHER ONE AND PAID ON MY COMPUTER SAYING IT WAS ONTIME. THEY MARKED IT THE NEXT DAY AND MADE ME LATE- SO XXXX 30 DAYS LATE THE OTHER 60 DAYS LATE. I WOULD NEVER USE THEIR CARDS EVER AGAIN BUT EVERYONE TELLS ME INCLUDING THE CAR COMPANY THEY DO THIOS TO EVERYONE. THEY NEED TO BE STOPPED. IF YOU LOOK AT MY SCORES WITH ALL THE OTHER COMPANIES THEY ARE ALL PAID IN FULL EVERYTIME. WHY WOULD I NOT PAY THEM? PLEASE GET THEM STOPPED. AND THEY ENDED UP OWING ME MONEY
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Company believes the complaint is the result of a misunderstanding | On XXXX XXXX, 2015, XXXX XXXX ( NMLS # XXXX ) with United Mortgage Corporation sent us the terms we had agreed to in order to refinance our mortgage with his company : 30 yr fixed at 3.75 % ; monthly payment of {$910.00} ( principal and interest ) ; paying off XXXX of our existing loans and leaving us with {$15000.00} cash out. This information was given to us in an email. We completed the process of sending him all of the required paperwork. Three days before we were scheduled to close, he called with the closing date and then said the next order of business was to discuss what our interest rate would be. When we questioned him on the fact that we had agreed to the loan with the fixed rate at 3.75 %, he then went on to say that the rate had adjusted over the three week period of time that it took to get our loan approved and ready for closing. We were shocked, to say the least. He went on to tell XXXX that the 3.75 % was no longer available and that it should be 4.25 % but he would do it for 4.125 % because he felt " bad '' that it went up so much. XXXX told him we would not do the 4.125 % and that we had agreed at 3.75 % and that 's what we wanted to close with. At this point, we had already given him {$420.00} to start the loan process with the home appraisal, and of course, went through three weeks of giving him all of our personal information in order to close on the loan. To make a long story short, we went back and forth many times over many, many weeks. During that time, we were able to secure another loan at 3.75 % ( which XXXX XXXX had told us was impossible ), and also learned during the XXXX process that the rates never had gone up to the 4.25 % and that more than likely it was a type of bait and switch scheme. We had to, of course, pay the new bank another appraisal fee and had to go through another whole house appraisal within 30 thirty days of the initial XXXX, and could not use the appraisal that we had done with United Mortgage because of the new government stipulations and regulations on home refinancing. We also want to note that during the weeks of back and forth with XXXX XXXX from United Mortgage, XXXX asked him multiple times to speak to his manager, which was always met with a " no, '' and that there was " no one here for you to talk to besides me. '' We were lied to, a lot of our time was wasted, and we are nervous about our personal information being used inappropriately. At very least we would like to recoup the {$420.00} appraisal fee from United Mortgage Corporation.
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Company chooses not to provide a public response | I am entitled to a 'free ' credit report from each company. I may have answered XXXX question for the Experian verification incorrectly concerning the XXXX XXXX -I had owned XXXX for several years- I 'm not sure. I did answer questions correctly for Equifax verification and it also indicated that for my protection the site was unable to provide the report to me online & if I want it I need to submit the form by mail. I did n't do the last company because I need an answer quickly. I will call but I do n't understand because I gave correct answers to the XXXX verification request.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | I will be attaching my last dispute to communicate best with you what 's going on. However, my main issue is with the XXXX Texas Tolltag Authority. My main XXXX complaints are 1 ) The fees they charge ( {$25.00} per invoice ) are incredibly exhorbatant and 2 ) Their billing makes no sense. They retroactively send invoices for 3+ years in the past with {$25.00} fees attached, having never sent invoices prior, then refuse to remove the fees. I recently received a bill for the first time for {$120.00}, for only {$21.00} worth of actual tolls, from XX/XX/XXXX, having never seen it. Please read the attached dispute to more accurately get a sense of the lengths I have gone to get verification on my debt. My main concern is that there is absolutely no governing body that makes sure the NTTA is within any type of fair billing practices. There is no one to go to when you dispute the charges. They hold you hostage for as long as they like with bills from the past and then if you do n't pay it, threaten with arrest. I have spoken with lawyers who refuse to take my case because " there is no point in fighting with the NTTA. '' I have spoken with so many people who have the same issue but have no where to turn. Someone has to be there for us, to impose some type of rules on them. Their billing has to make more sense, there has to be some type of rules that govern how they can collect and how far back they can go. I just do n't understand how this entity gets away with this and no one questions them. I have paid over {$2500.00} to them for tolls and received another packet for {$12000.00}, only {$1000.00} of it is for tolls. FROM AS FAR BACK AS XX/XX/XXXX! Someone please has to help us Texans, it 's ridiculous.
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Company believes it acted appropriately as authorized by contract or law | I am writing this on behalf of my client, who is being railroaded by BSI FINANCIAL SERVICES. I am doing this because I have firsthand knowledge of the unethical behavior of this servicing company. When I met her they gave her the run around on a loan modification for months and months until she had to ruin her credit and file bankruptcy to prevent foreclosure. Once I met her I engaged BSI to do a short sale and right away they started breaking local and federal laws. They first demanded to control pricing which they can not do because they do not own the property. I was threatened and told the list the property and unrealistic amounts. I was cursed at by XXXX XXXX, and at some point he called and intimidate the already frightened and pregnant homeowner. While the file received no offers despite me providing them evidence of large repairs needed on the property, they refused to drop the price so that I could secure a buyer. At the same time there was a pending foreclosure sale date. I had to escalate the file and make XXXX phone calls to convince them to postpone the foreclosure sale date. They only moved the sale date to XXXX/XXXX/2015. Now we are a week away from the F/C Sale date and once again they threatened me with the pricing of the home, even after I submitted what they asked for, which was XXXX repair estimates. I dropped the price when the repair estimates came in and an offer came in just {$4000.00} below the {$130000.00} they were trying to force me to list the property at. The rejected the offer, stating they now needed an offer of {$130000.00}. After that it became clear to me that they have NO INTENTION on fairly working on this short sale or accepting ANY offer, as they keep moving the target price and the terms. I have emailed them constantly to let them know agents viewed the home and did not move forward due to the condition of the home. In the meantime, the homeowner was so stressed out she went into early labor and almost XXXX XXXX, and in ( 7 ) days the bank intends to foreclose on her leaving her and her baby homeless. I have received offers but they want the same pricing as a repaired home. This is unethical, unfair, heartless, unscrupulous dealings, dual tracking, intimidation, and more. They also are trying to slip in some shady fees by forcing me to agree to them getting some sort of 1 % fees from the listing side. I read online that I should expect to receive an email message stating that I needed to sign an addendum to the listing agreement to assign XXXX of the listing side commission to a XXXX party ( XXXX XXXX XXXX ) for unspecified services rendered, plus a {$250.00} processing fee. Not only would they not explain what the 1 % was for, furthermore, by reducing commission -- and thereby increasing net proceeds on the Seller 's side of the HUD -- this could be considered a " rebate ''. Violating rebate prohibitions may be subject to civil penalties, may be considered an illegal kickback under USC ss 2607 and may be a violation of the Real Estate Settlement Procedures Act ( RESPA ). The homeowner is being railroaded, my broker is being railroaded, and I have to believe that there are laws that protect us from these types of dealings after the Federal Lawsuits. I have researched BSI online and wonder why this company is allowed to continue to do all the HORRIBLE THINGS i see other saying that they are doing.
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Company chooses not to provide a public response | XXXXXXXXFrom : XXXX MA XXXXXXXXLoan # XXXXXXXXTo CFPBRE Home Affordable Modification Program andEscrow Account associated with Home Affordable Modification Agreement with SLS : SLS XXXX XXXX XXXX XXXX XXXX XXXX CO XXXXXXXXFax XXXXXXXXTo whomever it may concern,1st complain : Endorsed by SLS Home Affordable Modification Agreement.
Please be advised that our Home Affordable Modification Program was approved by SLS on XXXX XXXX, XXXX, and Agreement was signed by both of us, me and my wife XXXX XXXX, and was submitted for endorsement on XXXX XXXX XXXX to SLS. To this day, after several written and verbal-by-phone requests, the XXXX did not provide signed/stamped and returned above mentioned agreement. SLS faxed unendorsed Agreement twice on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. No explanation was provided as why the signed agreement was not returned. This endorsed by SLS agreement is needs to complete our application to modify second mortgage with XXXX.
2nd complain : Escrow Balance.
Per Home Affordable Agreement Modification offer issue on XXXX XXXX XXXX by SLS, we were required to make a P & I payment along with escrow payment for real estate taxes and homeowner insurance. We were requested to make " trial '' payments before permanent modification could have been granted. Trial payments for the first time that we were making mortgage payments to SLS had to include escrow for real estate taxes and homeowners insurance. When the trial payment started on XXXX XXXX XXXX, there was no outstanding balance to town of XXXX for real estate taxes, and home owner insurance was paid in full for period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. We made the following Principle and interest payment of {$1000.00} and rest for escrow payments : XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX, XXXX $ XXXX XXXX, XXXX $ XXXXXXXXModification was approved on XXXX XXXX XXXX with new payment including escrow was made onXXXX XXXX, XXXX $ XXXXXXXXAll these payments were with escrow for taxes and insurance.
Our escrow balance should have surplus of approximately $ XXXXXXXXSLS made real estate tax disbursement on XXXX XXXX XXXX for {$3200.00} and {$3200.00} on XXXX/XXXX/XXXX for total of {$6500.00}. Our escrow balance should have been positive {$160.00} with next real estate tax due on XXXX XXXX XXXX.
The statement received from SLS for escrow calculation shows shortage of $ XXXXXXXXWe do strongly disagree. After several calls and requesting re-calculation twice, first in XXXX XXXX and again on XXXX XXXX XXXX, it did not resolve escrow dispute. We were told the first XXXX trial payments did not resulted in escrow credit. No explanation was provided.
At the last attempt to resolve the issue over the phone on XXXX/XXXX/XXXX resulted SLS hanging up the call. This behavior is simply unacceptable.
Your prompt attention will be greatly appreciated.
Respectfully, XXXX XXXX XXXX
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Company believes it acted appropriately as authorized by contract or law | Today I received a Notice to Vacate my property despite the fact that I am currently in litigation with XXXX and XXXX. Additionally, I filed a Notice of Rescission which neither organization filed an action in court to challenge as required by law and the recent Supreme court decision. This is now the XXXX entity/ company working as agents for XXXX and XXXX contacting me via mail or in person harassing or attempting to intimidate me.
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Company believes it acted appropriately as authorized by contract or law | Debt was wrote off, Time barred Debt.
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Company believes it acted appropriately as authorized by contract or law | I do n't what come from
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Company can't verify or dispute the facts in the complaint | Received a letter from Affilliated Credit Services dated XX/XX/XXXX stating that I owe {$160.00} with fees due a check written to XXXX XXXX. The letter states that the check was written on XX/XX/XXXX.
I have not written a check nor been in a XXXX retail facility in at least XXXX years.
Upon contacting ACS, I learned that the routing # for the check was that of XXXX XXXX Bank. I had an account at said bank at XXXX time but it has been closed for at least XXXX years. Further, the check # was XXXX digits long and any old checkbooks someone might have found would only have had checks with XXXX digits.
Please advise me as to how to proceed.
Thank you,
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Company chooses not to provide a public response | To Whom It May Concern : I am writing to complain about Bank of America and my home equity line of credit ( mortgage loan ).
I have appealed twice to the bank about a problem with my loan dating from XX/XX/XXXX to XX/XX/XXXX in which several payments were missed and I never received notification from the bank. I only learned that I was XXXX payments behind on XX/XX/XXXX when I went into my online account.
I immediately called the bank to determine why I had not received notification of the first missed payment, let alone XXXX. At the time, I had not received a single notification from BoA over the previous 3 months of any payment overdue by electronic or other means.. I confirmed with the representative on the phone that they had my correct email and they did - the same email I have been using for years. I should note that I receive such electronic notifications and any alerts of problems on my account from ALL of my other credit institutions on this address, so to me it is inexplicable as to why I never received any notification of even XXXX late payment from BoA. I travel frequently overseas so rely on electronic notification for all of my financial institutions. If I had received notice after the XXXX late payment as would be expected from any bank, I would have remedied it immediately, let alone XXXX late payments.
I immediately paid down the full amount in arrears plus XXXX payment ( XXXX monthly payments ) while on the call on XX/XX/XXXX. The representative refunded the late payment fees, recognizing that this was an oversight of the bank and that I should have been at least electronically notified over the past months ( they could not explain why this was not functioning properly ). I was under the impression that I had previously arranged auto payments on the account ( which is now active ), so I did not go into the account each month to check that payments were going through.
Subsequent to settling this matter, I learned that the credit bureau was notified of my missed payments, and although I paid down the full amount on XXXX XXXX, Bank of America failed to inform the credit bureaus that I had settled the matter ( on XXXX XXXX ) until late XX/XX/XXXX, thus further damaging my credit.
I appealed to the bank XXXX regarding this matter, stating that I really should have been notified of the late payment, let alone XXXX, and that I had thought I had automatic payments set up. Given that the bank representative admitted at the time they did not understand why I had not been notified by electronic notifications or emails, I feel that the bank is guilty in this matter. I should note that all of my other accounts are current, thus this is an isolated incident.
Despite my appeals, the bank has repeatedly responded with the same generalized letter stating the bank " reviewed its credit reporting and confirmed the information given to the credit agencies is accurate.
However, this is not answering my complaint : My question was WHY I WAS NOT INFORMED for nearly 3 months and whether or not the bank is obligated at all to inform a client within 15 days, 30 days or at all when a client has missed payments, and in this case due to a technical error in reporting on the part of the bank.
I would appreciate your assistance in this matter, as Bank of America has not helped me to remedy this matter and this has seriously impacted my credit. It will remain on my report for the next 7 years, according to the credit agencies, unless the bank informs them otherwise..
Thank you
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Company chooses not to provide a public response | XXXX XXXX, 2015 I received a XXXX page document from Southwest Credit Systems, L.P. stating that a delinquent account they claim is allegedly mine in the amount of {$310.00} for an apparent XXXX XXXX XXXX cell phone bill. On XXXX XXXX, 2015 I spoke with a representative who went by the name of XXXX. I requested for XXXX to re-verify the account was in deed mine. He claimed that his firm had already validated the debt by using my address. I attempted to explain to him and disputed the debt was not mine. I also requested he cross reference my social security number, middle initial, any previous addresses and the phone number that is in question. He stated that his firm had already done so. He then suggested to transfer me to the customer care dept. Immediately after the transfer I was disconnected. I believe that at the date and time of this call that the account was disputed. After several days of not hearing back from anyone associated with Southwest Credit Systems , L.P . I sent a letter disputing the same and included any and all information required to verify this account. On XXXX XXXX, 2015 I called back to Southwest Credit Systems. I spoke to a supervisor by the name of XXXX. She confirmed to me that the firm had indeed received my letter, however the account was still confirmed as mine. I explained to XXXX this call was an attempt to resolve the matter before the 30 day period of notice ends on XXXX XXXX 2015. I explained that I would seek to remedy this matter with legal action. After attempting to request for her to verify the debt as legitimate. She claimed the debt had in fact been verified. I called back approx. ( 1 ) hour later and spoke to a XXXX in the customer care dept. After not being able to get anything resolved and talking over each other I asked to speak to a supervisor. After a brief hold XXXX returned to the call and stated, " they said to take your number and someone would call you back. I question that comment due to the fact that all incoming calls and phone numbers are identified. With no other course of action I ended the call. This company filed the collection account to all three major credit reporting agencies on or before the XXXX of XXXX. Without making any attempts to contact me to verify the account. They have stated on more than several occasions and from different representatives that the account had been verified as belonging to me. Southwest Credit Systems has also failed to submit to my request for information documented in the XXXX XXXX letter ( see attached ). In addition they have violated the FDCPA statue [ 15 USC 1692e ] section ( 2 ) ( a ) and ( b ). Southwest Credit System failed to do due diligence in investigating and confirming the account was in deed mine and only used my personal home address in their verification process.
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Company chooses not to provide a public response | Mainly Experian Credit reporting, continues to report incorrect and or false information. I 've contact them numerous of times to correct the Negative incorrect information. They refused. I 've been denied credit and thus suffered due to incorrect information. I 've had both an " Alert and Freeze '' placed on my credit report for about XXXX now. It has been helpful against Identity Theft, and because " I 'm also a survivor of a XXXX ''. All prior information should be corrected and the years following up to date should reflect the most recent credit accomplishments such as my, " Previous Students '' All Paid in Full as of XX/XX/XXXX, are currently at a XXXX balance and " OWE ANYONE '' ANY MONEY for anything!. MY Address and Previous address and Previous addresses prior to XX/XX/XXXX should be corrected as well as any previous Employment records.
I will scan and attach documents to follow. I have Not been able to reach and speak to any agents from Experian since XX/XX/XXXX. All XXXX major credit reporting agencies have phone numbers that does not allow citizens to call and speak to anyone to help advise and inform them or receive some form of clarity, we the citizens are cut off from proper conversations. I 've written letters and still to no avail, no assistance.
Thank You
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Company chooses not to provide a public response | I have too many inquiries on my credit report. I have not applied to any companies for credit. I have been a victim of identity fraud in the past and my bank cards have been hacked on multiple occasions. I noticed that XXXX of the options for improper use of a credit report is opting out from marketers. I 'm not sure if that is the case with me but I know I have not applied for any credit except car insurance. Please help me resolve this issue. Thank you.
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Company chooses not to provide a public response | I verbally advised this company to stop calling me after I settled and paid a debt. Since I 've made the settlement payment, Receivables Performance Management calls me XXXX times per day. I 've asked them to stop calling me, Ive requested managers and supervisors but the representatives who answer the phone refuse to connect me with someone in leadership. I want them to stop calling me.
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Company chooses not to provide a public response | Dear XXXX CFPB : Im a survivor of a XXXX, and now Im working, due to a financial issues, I purchased my home in XXXX XXXX XXXX XXXX XXXX Ca XXXX, for {$700000.00} and put a down payment for {$150000.00} I was stilled employed in the city of XXXX XXXX and earning {$75000.00} a year, after we got in the home we discovered that the house has a severe fire damaged, they re-paint, reconciled it with new sit ruck, we went to court, and there was a misrepresentation, fraudand negligence, but I was not awarded a monitory fund, due to my lawyers, missing someimportant documnts, to showed to the judge. I have to withdrawn my XXXX for {$75000.00} and {$15000.00} to supplement the legal fees, and fixed some parts of the house. At that time Im under a forbearance payment, the original mortgaged was XXXX XXXX, and they file bankcrufsy XXXX, on 2008, then my mortgaged become, US bank, Im under forbearance payment, and never missed the payment, but my house was wrongfully foreclosed, US bank sold it to the investors instead, I was given an eligible for Independent foreclosure review, and was awarded some money, I lost every thing, and what Im asking to US bank, that since they wrongfully forclosure my house, and denied my modification, instead they sold it to the investors for more than 65 % due to the fire damaged of the house, they should removed my forclosure records, because I never missed any payment to XXXX at that time, then US bank took over, and the federal banking regulators the office of the comptroller of the currency and the office of the governors of the federal reserve system, granted me an eligibility from this wrongfull forclosure. US bank should removed my records, Hoping for your prompt reply to this matter,
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Company chooses not to provide a public response | Bank of America debited my account on XX/XX/XXXX for a deposit that I made on XX/XX/XXXX. The explanation that I was provided was that the same check was presented at a XXXX XXXX bank on XX/XX/XXXX and that they sent me some information in the mail but they would n't be able to assist me further. I raised my concern about fraud and that my bank should assist in protecting my funds, however, the response I was given was that Bank of America was unable to help me and I had to call the bank that issued the check to discuss.
The check was issued from a XXXX XXXX XXXX XXXX ( XXXX ), when I called to discuss as instructed by Bank of America, the individual whom I spoke to stated they could only speak to and assist the individual who wrote the check, whom I needed to contact. I have not had any luck in getting the indivdual who wrote me the check to call me back or contact XXXX for them to begin their investigation into the fraudulent activity that ultimately impacted me.
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Company chooses not to provide a public response | I XXXX XXXX submit this complaint against Bank of America for failure to modify my Home Equity Line of Credit according to my XXXX mortgage modification, whereas I 'm unable to afford XXXX payment. My home right now is only worth about {$250000.00} my XXXX mortgage balance is {$240000.00}. which was modify under the making home affordable program. My XXXX lien balance is currently {$560000.00} my income can not meet XXXX payments at this current level. I filed a discrimination lawsuit against Bank of America in XXXX Court the judge granted Bank of America summary judgment. I lost the case, due to this reason I believeBank of America is refusing to be fair with me the reason they want give me an affordable modification payment. I really wants to keep my home at this rate with XXXX loans I really do n't know how I can afford it. Right now I feel like I 'm lock in this loan forever. It 's no way I will be able to refinance this loan. Please Help!!!
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Company believes it acted appropriately as authorized by contract or law | I received a notice dated XXXX XXXX, 2015 in the amount of {$2100.00}. from Finance System, Inc. I called and asked what this was for and was told XXXX XXXX XXXX referred me ( for a bill I never received from XXXX ). I sent a cease and desist letter and got a letter back stating they have verified my address and the amount I owe is {$2100.00}. I have no clue what this amount is derived from as the XXXX XXXX never sent me a copy of a final statement. In a letter dated XXXX XXXX, 2015, I received a letter from Finance Systems indicating they are attempting to collect a debt and If I did not pay it they would have no other choice than to contact an attorney and sue me, having my wages garnished. I have also contacted Better Business Bureau and Governors Office of Consumer Affairs and this morning sent a final cease and desist letter to Finance Systems, sending copies to the FTC and Insurance Commissioner of Georgia.
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Company believes complaint represents an opportunity for improvement to better serve consumers | the Sallie Mae web site is difficult to make online payments. The loan account numbers do not all show up in loan summary. I have to click on other loans to have them appear. Then the previous loans disappear. This site is difficult for me, and I have had too may years of experience with student loans. My last month payment was reversed, I did n't reverse it, the bank did n't and Sallie Mae did n't either. But, I paid a late fee because of it!! HELP!!! I fear that when my son graduates in XXXX, the site will be difficult for him and could result in loan default. PLEASE help fix this mess. I dislike having to work with these private loan companies. Then, trying to get an answer from customer service is exhausting. I asked to speak to a supervisor and was put on hold for 30 minutes. I HUNG UP! I have better things to do with my time.
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Company can't verify or dispute the facts in the complaint | XXXXkeep receiving daily recorded messages from collection agency calling themselves allied. i do not have any outstanding debt or unpaid bills.
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Company chooses not to provide a public response | I think I disputed account but not 100 % sure. I do know that I never received any communication from collection agency ( certigy ). I did receive communictions from a different collection agency asking for payment on XXXX returned checks from XXXX which I paid XXXX 2013. Certegy is reporting that the account is open and that I have XXXX late pays. Certigy should be reporting acct closed and no late pays. I never set up any payment plan with Certigy or first collection agency that was assigned my account. I also requested validation and received no response.
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Company believes it acted appropriately as authorized by contract or law | I was a victim of identity theft and this account needs to be removed asap this account is fraudulent and continued attempts to collect is harrasment please help me in getting this resolved.
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Company chooses not to provide a public response | After a 19 year customer BofA my card was canceled with no notice. I never had a late payment. After returning from XXXX Army XXXX I XXXX am not able to enter a crowded store and was able to purchase gas at the pump outside with my credit card. My car number is " ******************* ''. Any explanation would be greatly appreacheaded.
XXXX XXXX XXXX XXXX XXXX.
XXXX, KY XXXX
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Company believes it acted appropriately as authorized by contract or law | XXXX lists both Northeast Credit and Collect ( NCC ) and Commonwealth Financial Systems ( CFS ) as holders of an alleged collection account. XXXX still shows NCC as holder. ( see attached ). I have requested, in writing, verification of debt and have not received my dated signature for this debt. I have received a BLANK form letter for collection which is not verifiable validation of the debt, see attached. This alleged debt is dated for origination in XXXX of 2009. Per statutes, such debts, alleged or otherwise, are no longer collectable.
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Company believes it acted appropriately as authorized by contract or law | I asked the USAA rewards XXXX XXXX XXXX to lower my interest rate from 17.9 % to something lower. To my surprise they told me that thanks to President Obama 's new credit card rules that they COULD NO LONGER LOWER ANY INTEREST ( APR ) on any existing cards. I find that hard to believe. I checked with my banking institution and they were not aware of this. USAA is telling their customers that the law prohibits the reducing of APR on any active credit card. Is this the truth, I really doubt it?
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Company chooses not to provide a public response | To whom it may concern : l have been a client/customer of Bank of America for a longtime and l would like your help CFPB with this dubious issue! Due to a change in my financial income and a substantial-increase in expense obligations, l decided to respond to the correspondence sent to me by, BOA. During that time, l was constantly charged late fee 's due to paying after the XXXX of every month and on occasions was thirty-days late! l attempted to respond on ( XXXX ) XXXX occasions to BOA, ( account supervisor ) as per correspondence sent to me. l left XXXX messages and neither of the calls were returned. This banking practice was previously sanctioned by the U.S. Department of Justice and settled! I then decided a face to face meeting would be better served! So l decided to participate in ( XXXX ) of the ( XXXX ) required Banking community out-reach relief locations for help regarding the loan modification program! However, before l could attend XXXX XXXX XXXX NJ. I received a letter at my XXXX XXXX , with regards to termination of mortgage services. It is my believe BOA deliberately refused to notify me, promptly via : telephone, email, or home-address that their servicing obligations would stop within fifteen-days ; with confirmed acknowledgement. Oddly, weeks before however I received from BOA that my accounts would change starting XXXX XXXX. Not understanding the letter, I went to the bank for clarity. It is my belief, my inquiry in-regards to Bank fees and the lack of major account funds in account caused the transferring my loan to XXXX although competent, BOA Branch Asst. XXXX XXXX, verified my BOA account qualified not to be charged extra fee 's, the bank serviced my home-mortgage and my mortgage was linked to bank account. To find my mortgage would be transferred is a disgrace and a ruse not to comply with the settlement reached between, The U.S. Department Of Justice and Bank Of America, which was reached XX/XX/XXXX. I am very disappointed with the service and treatment of BOA! Additionally, l am trying to stabilize my current financial situation and believe face to face customer service help oppose to XXXX, which operates outside XXXX with numerous integrity issues as per customer based XXXX complaints would n't help my situation nor BOA 's customer service needs or the settlement compliance reached between The U.S. Department Of Justice.
Please contact me XX/XX/XXXX, they are threatening to transfer my loan at end of business day!
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Company chooses not to provide a public response | In the month of XXXX, I was unable to make the full payment to my charge account with Goodyear/Citi. I called Goodyear credit which is Citi and attempted to make some type of payment arrangement. This was today, in the late afternoon. The first time I called, Citi disconnected the call when I was in mid-sentence. I called back and asked the representative if the hang-up on the prior call was an accident or intentional. I was told by the representative that they were very busy today but there was no trouble on the lines, that she was aware of. She said we would never hang up on you ; we want to talk to you. Then she proceeded to disconnect the call. I attempted to contact Citi a XXXX time and I had the same results. I gave up since I did not want to become further frustrated.
I then called a few other places to make sure that it was not my line that was cutting off the phone calls. I had no trouble with any other call, so the problem was initiated by Citi. I was going to just let this go, but the more I thought about it, I became concerned that this is some type of tactic that is used on people that are late on their payments, which should not be allowed. I have currently have an ongoing complaint with CFPB regarding Home Depot which is also Citi.that XXXX blocked me from accessing my account online because I was late. That was followed by blocking a payment I was attempting to make today online. Both of these incidents were verified by their own representatives. Not having enough for the full payment is difficult enough for the consumer, but having to deal with their tricks on top of the original problem is wrong. I would appreciate your checking into this matter. Thank you.
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Company chooses not to provide a public response | l relocated to another state, found out my bank did not have any branch in the area. l called my bank to close the account, they told me l need to come to the branch to close the account which l did. the cashier closed my account, gave me my money, he told me this is the money l have. he did not explain to me he gave me # XXXX dollars from the line of credit to borrow of which l could have not accepted that. he gave me a wrong information saying this is all my money l have in the bank. now the bank is teling me i need to pay the money with interest. if l have borrowed the money, l should have talk to them on how to pay the money back. since l was informed wrongly, which was not my fault, l should not be charged for the interest.
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Company chooses not to provide a public response | I have a loan and it was bought from Shore Mortage by Country Wide and Country Wide was bought by Bank of America. I kept paying my loan every month on time for the last four years and than Bank of America sold sold the loan to XXXX XXXX. I filed for chapter XXXX bankruptcy in 2011 and was told I can keep my house and when I went to court and got discharge it was reaffirm that I will kept my home. Bank of America sent all XXXX credit bureau my account and told them it was part of the bankruptcy when it was n't. I wrote to the XXXX credit bureau 's and send them a copy of all the document from the court but the wo n't remove it from my credit report because they said Bank of American keep telling them it is part of the Bankruptcy.
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Company believes it acted appropriately as authorized by contract or law | I have XXXX debt collection agency trying to collect a debit from XX/XX/XXXX. I was XXXX in college and did not get my XXXX credit card until XX/XX/XXXX. It would have been very easy for a doormate or anyone else to get this info. I didnt keep it hidden I didnt think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use
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Company chooses not to provide a public response | I arpled for an count with XXXX and was approved but they pull my cridit XXXXtimes when it just be XXXX time so now it 's on my cridit report XXXXtimes.
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Company believes it acted appropriately as authorized by contract or law | **debt was not paid it was charged off I verified this with each creditor** Pressler & Pressler has trolled my credit report and with the help of XXXX XXXX has taken several, old charged off debts from my credit report and sued me for the debts. At XXXX they scared me because I thought they were legitimate, but as it kept happening over and over ( at least XXXX debts they have taken from my credit report and sued me on ) I researched and found out that they are not legitimate, if you XXXX them you will see how many illegal scams come up. I contacted the original debtors and not XXXX of them knew who either Pressler or XXXX XXXX was. As far as my debtors ( including XXXX XXXX, XXXX, XXXX and XXXX ) knew they charged off my debt ( I was unemployed for 3 years and had no way to pay them back ) I feel that Pressler & Pressler has illegally targeted me by trolling my credit report, that is the only explanation for them to have so many of my debts in their possession -- they claim its a " coincidence '' I do not believe in such a coincidence. I have XXXX debt that they have been taking {$25.00} a month from me since 2012, they have not ever sent me a status to show what I have paid and what I still owe, but if I stop paying, I get a threatening letter. They have NEVER sent back any debt verification after I have requested multiple times on each debt that they have sent me. They call but do not leave messages and when I call back there is no answer at their number or the call disconnects. I would like them to stop and leave me alone and I would like to counter-sue them for harassment.
I let them bully me for a long time, now I am going to fight back with everything I have.
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Company disputes the facts presented in the complaint | I was told my loan would be be about XXXX month they took out XXXX this month they are taking XXXX out of bank I live on widows pension this is very hard on me
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Company chooses not to provide a public response | I received a letter yesterday XXXX/XXXX/15 for a debt I do not owe from. this company named Performant Recovery Inc. XXXX XXXX, XXXX , CA , XXXX. Collectors Name : is XXXX XXXXCollection Phone : XXXX. Main Line : XXXX. I contacted The Dept of Treasury and they give me the number for The Federal Trade Commission for whom I called to file a complaint.
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Company believes it acted appropriately as authorized by contract or law | I am a graduate of the University of XXXX XXXX. During my time at the University ( XX/XX/XXXX-XX/XX/XXXX ), I obtained XXXX ( XXXX ) private student loans from Sallie Mae to cover costs of tuition. Those loans have since gone into repayment with a monthly payment well over {$800.00}. I do not have the financial ability to repay those loans at that rate, nor is my cosigner able or willing to repay the loans. At the time I requested the loans, I was never made to understand the total amount I would need to eventually pay for all loans. I also never received any information about any options to reduce payments on my loans. I have been forced to request my loans be put into forbearance XXXX, and now I have only XXXX forbearance requests remaining. I mailed a letter to Sallie Mae detailing my financial situation, and asking for ways in which we could resolve the problem with lower payments. I submitted the letter on Wednesday, XX/XX/XXXX and have never received a response. I am willing, but however, unable to make payments on my loans. Due to Sallie Mae 's inconsistent and lack of communication with me regarding my account, I am at risk of going into default on my loans. The times I was able to reach someone at the customer service department via telephone, I received conflicting information from each person I spoke with and was left even more confused about the status of my account. Defaulting on my loans will not only be a negative outcome for myself but for the lender as well. I am currently employed in my field and working to progress in my career, but I simply do not make enough money to repay the loans and manage necessary living expenses.
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Company chooses not to provide a public response | For recent months I 've rec 'd bills from XXXX that include {$75.00} late fees. This month XXXX rec 'd my bill on XXXX XXXX ( though the statement date is XXXX XXXX ) and it 's due XXXX XXXX & they say it can take 7 days to process payments once it 's rec 'd at their processing center. I 've called about this before and they say that I should access my bill online and pay online to avoid late fees but I wonder if they should n't give sufficient time to allow consumers to pay by check after receiving the hard-copy of the bill? And, if they choose not to that, should n't the late fees be reasonable? {$75.00} late fee on a single {$34.00} gas purchase is robbery. And, If they continue this practice, should n't the disclosure literature include a statement that there is no way a mailed payment will make it on time if they are allowed to take so long to process it once they get it and that they will not send the bills in a more timely manner and that the fee is now {$75.00} not the original ( also high ) {$35.00} that is was when I signed up for the card?
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Company believes it acted appropriately as authorized by contract or law | XXXX to XXXX repeated calls per day even after advising them to stop calling.
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Company believes it acted appropriately as authorized by contract or law | On XXXX XXXX, XX/XX/2015, I was mailed a demand letter for payment of {$400.00} from Capital Management Services , LP.
I am disputing this debt, because it has never belonged to me. This debt is not mine.
This debt is a result of an identity theft where my XXXX Bank checking account checks and debit card were stolen from my vehicle.
Again, I am disputing this XXXX Bank debt of {$400.00}, because it does not belong to me and it resulted from an identity theft of my debit card and checking account checks.
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Company chooses not to provide a public response | I contacted XXXX XXXX. about opening and account. I told them that I would be moving in a few months and that if it was a problem to move, I would wait to get service until I have moved to my new place. The representative told me that it would be no problem, as you get XXXX free move a year and I could get it moved to the new address. So I signed up. When I got ready to move, I called XXXX to have my service moved and was told that it would be over {$400.00}. I explained to them that the rep said I could get XXXX free move a year. Now they tell me its only after you have had service for XXXX year that you get a free move. I asked to speak to a supervisor, started all over and was told the same thing. I was told that the sales rep did n't have anything to do with moving that was a different dept. I told them that since all of my calls were recorded, they could look it up. I paid my bill for the months that I used the service and did not move it because they lied to me when I signed up and I would not pay for to have the service moved when they assured me in my sign up that it was free. They broke the contract by not doing their part of the agreement. They should not be able to harm me or my credit by adding a report that does not reflect what really happened. It is not an unpaid bill. They did not supply the service that I signed up for and I am not responsible for it. They can not lie to get a consumer to purchase a service and not stand behind what they say, then expect to be paid for it anyway. Companies take advantage of people and then we either have to pay a bill that we do not owe or have our credit harmed. It 's not right that they can come back in over a year later and put a harmful account on my credit. I was very happy with my service and probably would still have it if they had moved my service as they said. They need to have everyone in their company on XXXX page. They ca n't just say XXXX thing and do another. Even if that was their policy, ALL employees should be trained and know that policy, every department, every erson. It 's not right to say they are not responsible because someone in their company told me wrong. It is their responsibility. They can go back and listen to the recording. Simple answer. Stand behind what their own representative told me to get me to go ahead and sign up for service now. I could have easily waited until I moved. Thats why I questioned it and told them I was moving from the very beginning. XXXX XXXX. lied to me to get me to sign up and did not follow thru with the service they gave me.
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Company believes it acted appropriately as authorized by contract or law | Allied interstate, ( while acting as an agent of dish network ), has failed to provide me with documentation relating to the claim from dish network that I dish any monies whatsoever, the request for documentation was sent to allied via USPS and was ultimately ignored. They have continued to call me, ignoring the FACT that this alleged debt is not valid, and that they have no proof of this debt whatsoever.
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Company believes the complaint is the result of a misunderstanding | I was contacted by XXXX XXXX on XXXX/XXXX/2015 inreguards to payday loan. man told me I had XXXX options to pay debt back. due to me unable to pay settlement on that date. I set up arrangement for XXXX payments of {$270.00}. I contact company today XXXX to see if I could be offered a settlement. after speaking with XXXX ( direct supervisor ) I was belittled and he then slammed phone on me. I called back and spoke with a XXXX XXXX who infmd me I am unable to do the settlement of {$320.00} that was offered to me before. I called again to get company information and was hung up on. I contacted again to get payments removed and man refused and hung up on me.
I have already filed complaint on XXXX, and will be contacting a consumer rights attorney for FDCPA violations as well
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Company believes it acted appropriately as authorized by contract or law | So my GF and I purchased a condominium in XXXX ca on XX/XX/XXXX. Originally she was the one who qualified for the loan because her credit score was significantly higher than mine. But she only qualified for XXXX total purchase price with 20 % down. We purchased our condo for XXXX with {$65000.00} as a down payment and financing XXXX. We started looking originally in XX/XX/XXXX and they told us that they would be preforming soft inquiries on our credit reports for the pre approval while making a hard inquiry while the home is in escrow. This was not the case as they ran XXXX of our credit reports XXXX times between XX/XX/XXXX and XX/XX/XXXX ( my name was never on any of the pre approval documents until XXXX when my credit score was satisfactory i had signed up for credit monitoring as i was trying to rebuild my credit so i could possibly attach my name to the loan ) This had a trickle down affect on my credit because on XXXX XXXX my credit score was around XXXX ( as per email attached from XXXX XXXX ) between than and XXXX XXXX my credit was ran again XXXX and was processed as a hard inquiry ( only XXXX of them was going to be a hard inquiry as that was needed to close escrow ) this lowered my credit score to the point that Pinnacle ( who XXXX now works for directly ) needed me to pay a {$5800.00} because of my credit being at risk and titled it Loan Discount Fee for percentage chosen. The person who helped us handle our mortgage was named XXXX XXXX from XXXX and XXXX XXXX # XXXX and he represented and now works for Pinnacle Capital Mortgage. He pretty much told us while we were in escrow literally 2 weeks before we get our key to our condo that if we do n't pay this fee that we would not get this loan. At that time i asked him why my credit score lowered to the point of needing to pay this additional points he told me because i have too many inquiries ( because my credit score was lower. ( XXXX and XXXX ran my credit XXXX times ) At this point we could n't go with another mortgage company because of timing constraints and because i could n't afford any more inquires because i would not be able to attach my name to any loans. Also would have lost security deposit on house which would have been {$3000.00}, so we begrudgingly gave them the money. This is also this has had a negative impact on my credit score again overall because the negative number has been hurting my overall ability to get credit card and re establish myself as a credit worthy individual. Also i purchased a car a few months later in XX/XX/XXXX because of necessity but i may have been able to get a better rate than what i am currently paying but i could n't because of the amount of inquires once again. Overall if we would have known that XXXX and Pinnacle would have tried this type of stuff we would have been weary and in all likely hood have gone with another bank/lender ( XXXX has a great relationship with XXXX XXXX XXXX ). We feel that the mortgage officer and mortgage company took advantage against us because we trusted our person who recommended them to us while she was trying to help us find our XXXX house and we were naive into thinking what they did was typical of all lenders
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Company believes it acted appropriately as authorized by contract or law | We were in a pet store, wanting a {$2000.00} XXXX. We were told that we could apply for financing. We did, and they told us we were approved. I asked how much my interest rate and payment should be, and the salesman told me he was n't sure, but it should n't be much. The salesman took me around the store shopping for accessories while another store employee helped my husband load a cage into our car, and yet another salesman was assembling a pet carrier, that we also had to purchase, to place the bird in for travel. They kept us very busy. Finally after they had the cage loaded and the bird in the assembled pet carrier, they called me into the office, to " sign '' the contract. The contract was on a computer, and they scrolled through telling me where to click. I never got to see and touch any paperwork to really look over it. After it was all said and done, I later found out my payment that " should n't be very much '' according to XXXX salesman was {$180.00} per month and my interest rate that " should n't be very much '' according to previously mentioned salesman, was 59.99 %. I was in total shock over that interest rate and knew I could n't afford that kind of payment. I 've made calls to the store, I 've made calls to the finance company AFTER I got a bill from them. I go to their website, and there 's not even a way to review my contract terms. I can not get any help at all. I 've shared their website with a few people and I 've asked people about the interest rate, and everyone thinks the website is bogus and the interest rate is illegal. I need help figuring all of this out. I am very upset with the pet store for how they handled everything, and they wo n't take the bird back. It has been 3 months now, but I was willing to return the bird as soon as I realized all of this. Here is a link to their website : XXXXThe pet store is XXXX in XXXX XXXX , Kansas and the finance company is XXXX. When I went to the XXXX to try to submit a complaint, I put in XXXX of the addresses on the statement sent to me by the finance company and it was n't a legitimate address. I reentered it thinking I 'd made a mistake, and I still got an error. So, I used the other address on the statement, and it did take that. The address that I am supposed to submit payment to, is the one that I kept getting an error on.
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Company believes it acted appropriately as authorized by contract or law | I started looking in to buying a house last year, pulled my credit, found this Stellar Rec on there, called, payed them, and it did n't get removed from my credit report, it was pain in full XXXX. Please help me get it deleted.
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Company believes it acted appropriately as authorized by contract or law | I received a voice mail on XXXX/XXXX/XX/XX/2015 at XXXX XXXX from XXXX XXXX at Miller Davis & Peoples stating that I am involved in a civil matter that has been filed against me by their office, that this was a time sensitive matter, and I must contact them immediately. At no time in the voice mail message did XXXX XXXX state that this was an attempt to collect a debt and any information obtained would be used for that purpose, in violation of FDCPA 807 ( 11 ). I have not been served with a summons and complaint by this company. Because I work XXXX with a lot of collection scams, I was immediately suspicious and researched the company online. They appear to be a scam, so I do not feel comfortable returning their call to gather more information. However, I thought I would file a complaint just to be safe.
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Company chooses not to provide a public response | Recieved call stating BOA had aquired a loan from prior to 2010. Being very ill, I gave my wife permission to speak with them. She was extremely RUDE and kept telling my wife not to interupt her. She would NOT tell her anything except Bankj of America had just aquired the loan & they want thier money. When my wife tried to get any info as to what the loan was about, she said we could settle the debt right now but would not say anything more than it was an old loan that BOA had just aquired and no other info from whom the loan was aquired. She finally said we would be sued and taken to court and abruptly HUNG UP on my wife. I called here back and tried to get the info from her. She was so rude and ignorant, I could not believe this woman. She said " NOW YOU WANT TO TALK TO ME '' " if you want to know anything, ASK YOUR WIFE. I wanted to know how I can settle a debt when she would not tell me who the debtor was. I have to admit I became HIGHLY AGITATED and did use some abusive language and hung up on her when I could get NO INFO and all she was doing was yelling at me. My wife called back and tried to talk to someone else and they once again immediately hung up the phone without speaking, as soon as they determined who was calling.
To summarize this whole situation. The person who called was XXXX and she was mean and very rude. She told my wife this debt has to be settled today but would not reveal from whom BOA aquired the loan. After giving us NO INFO she said to ge3t a lawyer because they are going take us to court and sue us. I 'm not sure if the company name and representive is correct. They did not identify themselves except to say there is a claim against me. The phone numbers were left on the answering machine and taken from my caller ID.
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Company chooses not to provide a public response | Now I think I have heard it all from Citi. They are refusing to work on a dispute with a fraudulent merchant that did not provide product or services because I paid off the balance owed on my credit card. You are XXXX if you do and punished if you do n't. This is totally unreal the type of bull that a bank can do and get away with it. I am screwed out of thousands of dollars and now this.
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Company believes it acted appropriately as authorized by contract or law | My property at XXXX XXXX XXXX XXXX, XXXX, Tn XXXX was vandalized back in XXXX, I filed an insurance claim with XXXX XXXX. XXXX sent the insurance check to XXXX XXXX XXXX on XXXX/XXXX/XXXX or XXXX. I was also in the process of doing a loan modification on the house because my brother moved out and I could not pay the mortgage for that property and also the property where I reside currently. Needless to say, XXXX XXXX XXXX never gave me the check for the repairs. Soon after, they sold the mortgage to Select Portfolio. I tried to sale the property and when I got a contract, codes ended up demolishing the property before my closing date. Now, there is no property ... but I still get mortgage payment requests, calls from SPS, my credit over the years has been destroyed and now I have a lien against the lot for the demolition! I do not know what to do at this point! The mortgage company will not foreclose, they will not allow me to surrender keys, I can not file a chapter XXXX at this time either. I am seeking guidance on what direction to take to file suit against the parties that caused this adverse affect on my life. SPS were made aware of the demolition at lease 90 days prior to it happening and they were also aware of the insurance money being held for repairs! I tried for years to get the money with no success so that I could make repairs and put a renter in there to start paying the mortgage! XXXX I told them I would be seeking counsel, they sent me forms informing me that I should get a quote from a contractor for repairs in an amount close to {$9000.00}. This was after the property was demolished. Please help me!!
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Company chooses not to provide a public response | We are a small business and have used our Bank of America credit card to pay for a plumbing service. We have provided the credit card number to the plumber since otherwise he will not even go to look at the problem ; however, by doing that we did not authorize him to charge any amount to our card. We provided him with the credit card number like we do when we purchase other things from our Air Conditioning service supplier or XXXX or XXXX XXXX or any other of our suppliers. None of those suppliers charge our credit cards prior for us to review the charge and approve it. Once the plumber went to the job place we asked him to do the job and provide us with the invoice ; not even then we authorized him to charge the credit card since we did not know the charge amount. Instead he asked the tenant to sign the invoice in our stead and charged the card without our approval ; he provided the invoice to us afterwards. We have disputed that charge with Bank Of America showing that the amount was charged without our approval and that we authorized it to pay the merchant a different amount ( {$300.00} instead of {$660.00} since the job was not completed and the charge included an item that the plumber did not work on but that was included in the invoice - snaking the entire drain ; our technician went and verified that and the access panel on the main drain has not been touched ). Bank of America closed the claim saying that once we gave the merchant our credit card number he was authorized to charge it. Is that how it is supposed to work?
We completely disagree. When asked ( by the other authorized user and company principal ) to provide us with a proof where Bank of America disclosed that information to us when we signed the credit card agreement, supervisor XXXX in the Claims department said that we do not have a claim anymore and we have to pay the amount charged since we authorized the merchant to charge our credit card when we gave him the number. Why do we have to sign, review or approve any other credit card charge when we use that card for different purposes? We have XXXX credit cards stored on the XXXX website, why whould n't XXXX charge us for a product that we did not need just because it has our credit card numbers? Simple, because it asks us to review and approve a charge before it charges anything. Well, the plumber was provided with the credit card number and was asked to supply an invoice for us to review and approve. Instead he charged the credit card number directly and Bank of America approved the charge without our approving it. When told that we will not pay a part of the charge that the plumber charged and did not provide service for BofA 's XXXX told us that we will be sent to collection.
We ca n't afford to take this {$660.00} charge to a court - we are a small business, however, we believe that BofA process does not work the way it is supposed to and that the plumber charged our card fraudulently.
Please advise and help.
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Company believes it acted appropriately as authorized by contract or law | I applied for the Making Home Affordable program ( 2 % interest rate ) HAMP Tier 1 and/or Tier 2 through my mortgage lender, SPS. For the last few months, I 've been having a difficult time paying my mortgage and been trying my best to stay afloat. My expenses have increased. To make ends meet, I exhausted all my reserves and looked for help from SPS. I want to be evaluated for every loan modification alternative including the HAMP program which is the lowest and most affordable mortgage payment. I also want a decreased interest rate to 2 % through the HAMP program as well as any incentives. SPS has been delaying consideration of my mortgage application, losing documents, constantly requiring additional items, making me submit new documents because the documents I previously sent to them are now outdated ( the lender dragged their feet ), dual-tracking ( filing a foreclosure complaint while a modification is pending review ).
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Company believes it acted appropriately as authorized by contract or law | On XXXX/XXXX/2014 I wrote to Diversified Consultants requesting proof of the debt that they alledged I owed but never received a response to the information that I requested and they are constantly verifying this information to the credit bureaus.
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Company believes it acted appropriately as authorized by contract or law | XXXX XXXX phoned me about a malicious virus i had on my computer and charged me XXXX dollars to have it removed for a lifetime of any computer problems i might have in the future here is his bill he sent through pay pal. Yesterday i got a call saying the same thing from a diffrent company Go To Assist Company telling me the same thing so i went to my first co. and told them about it and they said there 's nothing they can do about it without charging me an addional XXXXTransaction DetailsPayment Sent ( Unique Transaction ID # XXXX ) Original Transaction Date Type Status Details Amount XXXX XXXX, 2015 Payment To XXXX XXXX Completed ... - {$470.00} USDRelated Transaction Date Type Status Details Amount XXXX XXXX, 2015 Charged XXXX Credit XXXX XXXX {$470.00} USDSent to : XXXX XXXX ( The recipient of this payment is Non-U.S. - Verified ) Email : XXXXXXXXXXXX amount : ( in currency funded ) - {$470.00} USDYour fees : {$0.00} USDYour total charge : - {$470.00} USDPayment amount : - {$470.00} USDXXXX XXXX XXXX fees : - {$20.00} USDXXXX XXXX receives : {$440.00} USDDate : XXXX XXXX, 2015Time:XXXX PDTStatus : CompletedFunds will be available to your recipient on or before : XXXX XXXX, 2015Note : The recipient can send or spend the full amount on this date. If the recipient wishes to withdraw money, limits may apply.
Subject : You have sent {$470.00} USD to XXXX XXXX with PayPalFunding Type : XXXX XXXX Source : {$470.00} USD - XXXX
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Company chooses not to provide a public response | I keep getting a call from a company that I do not know who they are and have asked to not call again, yet they continue to call.
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Company chooses not to provide a public response | I have a Regular checking account with Bank of America since the late XXXX 's. I 'm not an XXXX XXXX so I used to use it when I travel to the XXXX. Since XX/XX/XXXX I stopped using the account and left a balance. The bank inactivated my account so I could n't withdraw money any more, nor received further bank statements or access online to review my statement.
I tried to activate it in XX/XX/XXXX, and now they have activated it, they sent me a statement and charged {$14.00} dollars as a monthly maintenance fee and noticed they have done so for the last 12 months now that the account is active.
So I called them and asked them why they have charged me for twelve months of maintenance fee over an account they inactivated and they said that they can not return those charges because the account was opened. It sounds unfair to me that they inactivated an account, stopped sending me statements, blocked my internet access and now that I reached them to see what happened to my account they take advantage there is a balance in the account and charge directly 12 months of fees of a service they did n't provide. There was no straight answer to that but any way they argued they can charge it because the Regular checking contract says so. If so, why then they blocked my account? What about their part of the contract about having the account open for me all these years?
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Company chooses not to provide a public response | Purchases were made at multiple merchants which were expected to qualify under promotional rewards earn. Promotional bonus was not applied. Contacted via online message. No resolution. Contacted by phone. No resolution. Closed account due to " gotcha '' marketing and refusal to honor offer.
Marketing copy lists " Home Depot '' and " XXXX and XXXX Stores ''. Any reasonable person connects the XXXX, and associates Home Depot as a XXXX and XXXX ' store. Even in the disclosure below nothing indicates those XXXX should not be associated. I prefer shopping at other 'home and garden ' shops -- -XXXX and XXXX XXXX . A simple google search yields that these all offer comparable products and services. There is no reason to believe any of these would be treated differently.
Ultimately I missed out on bonus rewards for {$480.00} worth of transactions, or {$24.00} worth of rewards.
Marketing copy is deceptive and disclosures are inconsistent and unclear. XXXX refused to acknowledge or rectify this on the XXXX customer that called them out. If I had put other transactions on the card, it is unlikely I would have even noticed this. That is not an acceptable way to treat consumers. If they are not willing to honor the promotion, they should not have it out there to begin with. There is likely a reason why they no longer offer this product -- -clearly this category bonus scam has caused similar frustration from other customers.
Attached documentation supports and validates all information claimed above.
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Company believes it acted appropriately as authorized by contract or law | On XXXX XXXX, I contacted this collection agency to request that they change a comment on my credit report. Long story short, there are XXXX medical collection accounts that are reporting to my credit reports by this Fox Collection Company that were showing in dispute ( because I was n't sure what they are so I asked the bureaus to investigate ). Anyway, I called because I know what they are now, and I do not want the dispute to continue. I requested that the dispute comments or codes be removed from my credit items so they are no longer showing in dispute. Fox Collections requested that I send an email so they have something in writing from me showing I am no longer disputing the accounts and to remove the dispute language ( I have this email as proofs FYI ). Fast forward to approx XXXX XXXX - I applied for a mortgage loan and was denied because Fox Collections had n't removed the dispute language from my credit report. I called Fox Collections and was told that yes, they WOULD remove the language/codes but it would n't be reported correctly until XXXX XXXX. XXXX XXXX ... re-applied for mortgage - dispute language/comments/codes still on credit report. I proceeded to call FOX Collections AGAIN- they were very rude - claimed now that they did n't say they would remove the dispute language OR that they received my email requesting the accounts to no longer be in dispute ( again, i have proof I sent this email on XXXX XXXX ) and they said it was my fault ANYWAY because I did n't pay my bills.
This is unbecoming of any company let alone a collection agency. I also know my rights under the FCRA and FDCPA. They can not misreport information to my credit report. I have easy to follow trail requesting that these XXXX accounts are NOT showing in dispute. I as the consumer have the right to request an investigation and the right to decide not to dispute accounts any longer. They are misreporting that my accounts are still in dispute to PURPOSEFULLY and WILLFULLY DAMAGE my reputation and hold me back from qualifying for a mortgage loan. When I told them this, I was placed on hold for about XXXX mins ... and then call was disconnected. Now they wo n't return my phone calls.
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Company believes it acted appropriately as authorized by contract or law | Debt collection agency - Harris & Harris , Ltd of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX, telephone XXXX, sent me collection letter dated XXXX/XXXX/XX/XX/2015 demanding payment for debt that is already paid with original debtor. I sent a letter to collection agency dated XXXX/XXXX/XX/XX/2015 denying the demand was valid and stop any further collection attempt regarding the debt. The denial letter was mailed within 30 days of the demand letter. After the 30 days expired from the date of the demand letter, the collection agency sent a XXXX demand letter dated XXXX/XXXXXX/XX/2015 for the same debt. Collection agency did not acknowledge receiving my letter stating the debt was invalid and is continuing collection attempts for an invalid debt.
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Company chooses not to provide a public response | on XXXX XXXX 2014 i, XXXX XXXX had my purse stolen out of my vehicle and have police incident report.i then called all my banks and credit cards to cancel.Bank of XXXX is the only bank not allowing me to close my account till this day cuz of not XXXX balanced..in XXXX i spoke to XXXX XXXX and arranged financial difficulty payments and already paid XXXX payments and still not closing my account and my numbers keep going up instead of down..XXXX owed on my checking and i didnt agree on that but arranged payments anyway ... XXXX on my credit card account totaling XXXX..still charging me fees and late payments wen its stolen nobody knew about arrangements..then got a hold of a lawyer and no respond to our letter, ,i just want my account closed and i only owe XXXX to the checking if that XXXX on my credit card minus the charges.lawyer was XXXX XXXX FILE # XXXX. to show that i followed thru and they have not and its fraud,
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Company disputes the facts presented in the complaint | A debt collector called Credit Collection Services keeps calling my work phone and leaving voice mails on my work answering machine. I have caller ID so the number they are calling from is XXXX. These calls are constant throughout the work week and I 've even come into them on a Monday where they 've left them on the weekends. They are calling all the time.
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Company chooses not to provide a public response | Quicken Loans has given me XXXX approval letters stating that my loan has been approved and FULLY underwritten in accordance of the underwriting guidelines. 5 days before closing XXXX XXXX, Solution Consultant for Quicken Loans, informed me that they still needed more time and that the loan HAS NOT been approved by their underwriters. Due to this, I have lost ALL deposits for the purchase of the home I was interested in buying since the approval letter was emailed from the loan consultant to my broker. A total of {$3300.00}.
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Company chooses not to provide a public response | Citibank advertised that if I use my credit card for purchasing home furniture, I get back 5% on my purchases. I had several other credit offers in the mail, offering various % back on purchases, and I decided to go with my existing Citibank credit card because it offered the highest % back. When it came to paying the 5%, they said that the merchant classified itself with Visa/Mastercard as a "specialty" merchant, and they will not pay my 5%. I contacted the merchant, the merchant stated that their business was set up years ago, business classifications were different back then, and they are more than happy to verify for Citibank that they are EXCLUSIVELY a children's home furnishing store. They also have a website that confirms this: XXXX My purchase definitely qualifies for the cash credit. I contacted Citibank again, and customer service has no interest in verifying any of the facts. They just simply denied my cash back. I could have used another card that maybe gave back less, but no tricks involved. There was nothing on the website saying that if your merchant set up its business decades ago and is not classified this and that, you won't get any cash back. Citibank uses common sense, plain XXXX in their advertisement to pull you in their misleading deal ("5% cash back on home furnishings") but then have tricks to get out of their obligations when it comes to paying. I could have had money back from other credit card companies and not use Citibank in the first place. They owe me money as far as I am concerned. I have been a Citi customer for YEARS and paid my bills on time. I expect to be treated with respect. |
Company chooses not to provide a public response | My divorce decree indicate that my ex wife to pay all medical expenses created by her children. A collection was placed on my report resulting from her failure to pay the medical bills from her daughter.
I have disputed the issue with Experian and they sent a report stating the collection will remain and to work out a payment arrangement with the creditor
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Company chooses not to provide a public response | I owned the property which is financed by XXXX XXXX XXXX XXXX. I divorced and the ex-wife was awarded the property and all responsibility was placed on her for the mortgage of the property. Absolute divorce was granted on XXXX XXXX 2007. This is the only item that is negative on my report and I wish to improve my credit.
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Company chooses not to provide a public response | This morning at XXXX CST I received an email from XXXX of my Credit Cards - XXXX Bank for XXXX Credit that XXXX payments legitimately made from a joint banking account with Bank of America were advised unauthorized. The amounts are as follows : {$97.00} $ XXXX XXXX Bank for XXXX Credit they received the dispute on XXXX XXXX, 2015 from Bank of America XXXX I have proof that the individual that is making these disputes on the Bank of America account was also an authorized user on the XXXX Bank for XXXX XXXX account. This seems to be an on-going matter with Bank of America allowing payments to be disputed and not doing a proper investigation on this matter. This is a direct violation of their fiduciary duty and they ca n't allow payments to any vendor to be removed. I was an active user on the Bank of America account until XXXX/XXXX/15 - I have proof that I was an authorized user on the account that the disputes were coming from.This is completely affecting my credit and I should n't have to pay for something that was authorized. My ex became extremely abusive hence the reason why I removed myself from the account on XXXX/XXXX/15. I do not think it is fair that they are allowing this foolishness to happen.
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Company believes it acted appropriately as authorized by contract or law | In XX/XX/XXXX I closed my XXXX account where my XXXX loan payments were drafted automatically every month without any delay. At that time, I setup through ECSI 's website an automatic payment to be drafted from my XXXX account starting on XX/XX/XXXX even increasing my minimum payment of {$59.00} to {$81.00}. I noticed that my account was drafted on XXXX and assumed that I had setup correctly the automatic payments. On XXXX XXXX I received a call from XXXX ( XXXX XXXX ) stating that the XXXX payment has not been received and I was due XXXX, XXXX and a fee of {$30.00}. Immediately, I called XXXX and spoke with a representative by the name of XXXX and explained him that I tried to setup through their website the automatic payments, and please go ahead to take my new XXXX account information where the monthly dues were to be drafted. He advised it had been done and starting XX/XX/XXXX at that time I went ahead and made a payment through the website for {$150.00} which represented XXXX, XXXX and the late fee. In XXXX XXXX I called again because I received another call and when I called back I spoke with XXXX. She advised that the XXXX payment was still missing and that I owed XXXX ( again ), XXXX ( in XXXX ) and another {$30.00} fee totaling {$210.00}. At that moment I requested automatic payments to stop thinking that XXXX had declined the transaction. I went ahead and called XXXX to ask for an explanation where they told me they had not received any request to debit my account from XXXX or XXXX. Then I called back to ECSI and was advised that they tried again to collect in XXXX from XXXX and could n't collected the payment ( even when I had specifically asked for that account to be removed from the system ) and that the payment I submitted of {$150.00} did n't cover the XXXX payment because it was applied to interests and I was due XXXX, XXXX and a fee of {$35.00}. Note that I have not been late since I started with this loan. I see this as a very unfair practice from this lender and I recommend the CFPB to look into this as they are collecting fees unfairly from their borrowers due to a mistake in the way their system is configured and poorly trained representatives. Such fee I have been advised twice that is not possible to be removed. I am supposed still to receive a call from a supervisor in XXXX business hours. I appreciate your time.
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Company chooses not to provide a public response | I had an identity theft and provided the police report and id theft package ( we now knew who did this via the FBI contacting me ) via fax last night they claimed they never received it previously. I called to day to verify if XXXX received it, she told me she had, She said she had competed her investigation and had determined I owed the debt and that if I did not pay by credit card right now she would have me arrest and thrown in jail. I told her it was illegal for her to to try to collect a debt a debt I do n't owe and to say she would have me arrest and I demanded she provide me the method and results of her investigation in writing, she refused and finally put the owner of the company on the phone. The woman said she was XXXX and refused to give me her last name. She also said she had reviewed the account and has concluded I owed the money she also demanded payment of these debts I do now owe, I told her she was breaking the law telling me she was going to sue me, she is refusing to show the method and findings of an investigation concluded in less than 10 hrs after receiving the ID theft and police report. I plan on hiring an attorney to sue these people and need your help in obtaining their names etc so I can file a complaint against them in federal court. I have just received a very large inheritance and I now have the money to hire an attorney. XXXX of the acts is XXXX XXXX XXXX XXXX XXXX XXXX ER XXXX XXXX XXXX XXXX I I have spoken to him he has never treated me
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Company believes it acted appropriately as authorized by contract or law | Hello, I have received notice on my XXXX and XXXX credit report stating that I owe {$660.00} to XXXX and this is impossible due I have currently have my cell phone, internet, home line through them for over 10 years. There must be a mix up somewhere. I called XXXX and they have no record of this, They dont want to lose a value customer over a misunderstanding somewhere but not on there end. Please look into this. This is affecting my reports.
Thanks, XXXX XXXX
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Company chooses not to provide a public response | A phone message was received by several people on my phone contact list stating that I have a complaint filed against me and they should contact " this number '' immediately. I have no idea how they had access to my phone contact list as the people who received the message where never listed on any form or application by me. When I contacted the number the man said " XXXX XXXX ''. When I asked what they do he avoided all questions. Continually stating I am in dire straights and must pay a certain amount immediately to avoid charges of " fraud ''. He has demanded this money immediately and I refused. He then said " I ca n't protest you if you do n't pay. '' I told him if I owe money I will contact the company I owe myself but refuse to send him money. I am so embarrassed that my contacts have received this message. The XXXX XXXX man refused to answer why their company has my private phone number list and why they are contacting people on that list.
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Company chooses not to provide a public response | Bank of America keep charging me over extension fees on returned check that have been returned. I ask them to charge me " XXXX time '' the {$35.00} insufficient funds fee, I will gladly pay that amount for each return check, but not {$35.00} over and over again for XXXX check and then another {$35.00} for some extended fee they keep charging.
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Company believes it acted appropriately as authorized by contract or law | This company is calling my place of employment and being very rude and threatening. I do not know what it is in regards to but from the first moment they were rude and threatening.
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Company believes it acted appropriately as authorized by contract or law | In XXXX of 2015 I opened a credit card account with USAA because my Dad is a XXXX XXXX and I thought it would be a could company. My credit is good but a few bumbs but good enough to get loans. I was approved a {$4000.00} limit. A month or so later I opened another card with them that had a better interest rate it was also {$4000.00} limit. Both cards we almost maxed out but I had had many purchases being bought and returned. So it was always changing. I have worked very hard to keep my credit good and keep it get getting better. I made XXXX payment with them and then after I applied for an auto loan with them and was approved. Bought the car and was told that they suspected fraud and declined my loan after already giving me a blank check. XXXX. Who does that. I was approved through the dealer instead with no problem. I called USAA and they said all my cards were closed but would not tell me why. I said permanently? They said yes. They said it was because they were new and that they were almost maxed. I said isnt that the point ti use them? I have not been late with a credit card for over XXXX years. My problem is that they should not approve credit and expect you not to use it. They should not close your cards with out telling you why. They should not be able to affect your credit report when you have never been late or abused any cards in the past XXXX years. I have work very very hard improving my credit. This is not fair when I have not done anything wrong. They can keep their cards I could care less. I am paying them off asap. But I dont think they should XXXX my report with a status of closed when I did nothing to break the contract.
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Company chooses not to provide a public response | Saturday, XXXX XXXX, at XXXX I deposited XXXX {$20.00} bills into the atm at the US Bank branch in the XXXX of XXXX XXXX, in XXXX XXXX, CA. The machine and the branch are located inside a XXXX, The machine took the bills and then claimed that there was a mistake and the deposit was not made. Instead I received an " attempted deposit '' receipt with the phone number, XXXX to call for assistance. I spoke with XXXX or XXXX people associated with US Bank that weekend, and they assured me that they could n't do anything to retrieve my money, but that the machine is reconciled on Sunday nights and Monday morning, the situation would be handled.
On Monday, the story changed. Then, I was told that the machine is reconciled on Monday night, and the claim, which can take 10 days to " credit '' my money back to me, could only be filed on Tuesday. The branch manager said she would do me the " favor '' of crediting me the {$200.00} on Monday, which she did. However, I do not think anyone considers it a " favor '' to be given one 's money back. She also threatened that if the machine reconciled without the {$200.00}, I could face overdraft fees when they debited their " favor '' back.
The bottom line is that I have been lied to and still have no clear idea of when US Bank will concede that their atm was in surplus of my {$200.00} CASH. ( The manager did not return my phone call and left early, perhaps for XXXX activities - I had to call again to get a teller to file my claim ) I also am aware that the atm has a camera that records the transactions. So, any reasonable client friendly institution would be able to SEE the cash being deposited, be able to count the extra money, and be able to deduct that I was indeed truthful in my claim.
I am complaining about the timeframe involved with this banking institution 's responsibility to return money due to the errors or mistakes of their equipment. We all know they make money overnight, and now they have taken the opportunity to use MY money to do so, without offering me any recompense. Their behavior is nothing short of thievery.
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Company believes it acted appropriately as authorized by contract or law | I had lost my job several years ago and was unable to make my mortgage payments. I am XXXX years old. We tried to request loan modification but we were denied because I do n't have sufficient income. I only earn social security income. The mediation was denied in XXXX 2014. Foreclosure sale was scheduled for sometime in XXXX 2014 so I needed to do a BK XXXX. The debt was discharged. there was a junior lien with XXXX and also the XXXX. I have continued to receive correspondence from SPS that does not pertain to my particular situation. Since I was not approved for HAMP or HARP I moved out of my condo. I have continued to receive notices and when I call they say the account has been referred to an attorney. in XXXX I sent SPS all the information they needed including fax numbers and addresses for the junior liens because I wanted them to do a Deed in Lieu. SPS never did anything about it. Today i finally spoke with someone at SPS called XXXX XXXX ( XXXX ) who said things could have been handled better and that mistakes have been made with uploading my documents to their system. This delay has caused my deed in lieu to be delayed and so I continue to be harassed by correspondence that does not relate to my situation. the resolution to this account should be deed in lieu or foreclosure but they continue to send me notices that I owe money. this has caused me stress and I have moved out of the condo and just want to have my name off the deed so i can move on. sps had the sheriff knocking at my door so i moved out in XXXX and now they are still harassing me. at XXXX i can not live this way. i want them to do their job and continue with the deed in lieu and stop harrassing me. sps noted that they didn not handle my account correctly and did not upload the documents i sent them correctly which caused them to send me more and more threatening letters. i need this to stop.
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