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Company believes it acted appropriately as authorized by contract or law | I applied for a refinance with this bank based on Radio commercials calling for a XXXX refinance. The issue I have was that theyrequire you to fill out a mortgage application and require you to pull your credit, PRIOR to requiring you to pay the nonrefundable XXXX fee. I contacted XXXX XXXX who put me in touch with her Manager XXXX XXXX XXXX XXXX regarding themain issue is the fact that they require you to pull your credit prior to disclosing the fee. I would have never have givenpermission to pull my credit if I had know the fee was non refundable and up front. Credit Inquiries affect credit worthiness andcould affect me being able to get a mortgage at a competitor. I asked him to write a letter to send to the credit bureaus to removethis inquiry he refused. He also refused to do anything in regards to either making the fee payable once the loan is all approved orroll it into the closing cost. This structure almost forces a customers hand to go with them since they have already dinged creditand forced them to pay the XXXX. I have an issue with the fact that they were just no helpful and they just chalked it up to this howour system works. They should have to disclose the fee prior to filling out the application NOT the very last screen since theyhave already pulled credit.
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Company chooses not to provide a public response | I acquired a Macy 's card in XX/XX/XXXX of XXXX, in XX/XX/XXXX XXXX I joined the XXXX XXXX and I 'm currently serving at XXXX XXXX NY. As a member of the XXXX my interest rate on my card should be 6 % or less, because of the ( SCRA ) Service Member Civil Relief Act, but it 's currently 24 %. In XX/XX/XXXX of XXXX I contacted Macy 's explaining the matter to them and send all the necessary paper work showing that I was in the XXXX for the past XXXX years. Since then I contacted Macy 's, and was given the run around, even to have the phone hung up XXXX of the times I called. Finally, they told me that it will take XXXX billing cycles to fix the matter, up until now, nothing have happen, no phone calls like they said or even a letter in the mail. I 'm financially struggling and need help in fixing this problem.
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Company chooses not to provide a public response | Hi I sent a letter experian on the XXXX of XXXX 2015 disputing a negative item on my Experian report.I received a letter from Experian on the XXXX of XXXX saying they received a suspicious request regarding my credit report and determined it was not by me so they did not proceed with my request ( to reinvestigate the validity of the negative item and have it removed from report ) This was a way of stalling my request and keeping my credit score low.They told me to call them if I wanted this investigation to take place to call them.I called them on the XXXX of XXXX 2015 and verified that I had indeed sent in the request to investigate the negative and they assured me that they would do so.They didnt in a few days I received a letter saying it had already been investigated and they would not reinvestigate.These are stalling tactics and are discriminating against me making it impossible for me to get incorrect negative information removed from my credit report.I am sure its not the first time Experian has used these tactics and I want consumers to be aware and not to let Experian get away with these stonewalling tactics against individuals who have a right to ask the credit bureau to reinvestigate a negative item and remove it from their credit report if it is not verified within a 30 day period.
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Company chooses not to provide a public response | On XXXX XXXX, 2015 at approximately XXXX, I received an email from Bank of America or what appears to be Bank of America . The email states that after calculations of activity with the bank they determined I was eligible to receive a fees refund of {$300.00}. They wanted me to submit the refund request and allow them 3-5 days in order to process it. They stent a Refund Form that was attached to the email, I was to open it in a browser and follow the instructions on the screen.
The form asks for User Information which consists of a online ID and password, billing address, full name, social security number, date of birth, address ( if different from billing ) city, state, zip code, mobile number, and card information credit/debit, the code verification number ( cvv ). It gives you the fees refund {$300.00} usd. Then they want you to use your email address registered with them to confirm a security verification with your email password.
I called Bank of America because I do n't have any accounts or credit cards with them to confirm. The representative was very helpful with informing me there was nothing in there system with my name.
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Company chooses not to provide a public response | There are several account that I have been trying to get removed because they are paid off account and then resubmitted to my credit. XXXX XXXX XXXX XXXX was paid off and still the all XXXX Credit Company want show it XXXX Also XXXX XXXX has reported on my reports after all their equipment has been returned and there is no unpaid balance on this account. XXXX XXXX is another account that was paid off back in XXXX in full and they had some fraudulent activities with in there company and they have added to my report again after it has been paid off. In fact they have the same account on my reports twice and I ca n't get the credit companies to correct them. This has been a ongoing issue for me and I am just trying to get someone to resolve these issues for me because it does n't seem as though the credit companies care or want to do the right thing. I have reported this to the Alabama XXXX XXXX and they still want send me proof of these debts nor will they remove them. I was informed by a mortgage company that there seem to be some inaccuracy and that I needed to contact the consumer finance department to get some resolute. I hope and pray that you can get me the answer I need to correct these error that are ruining my credit. Thank for you help and hopefully these issues can be resolved soon. Unfortunately these account are very old account and I do n't have the necessary paperwork to send but I have asked several time for these companies to validate these debts and they want.
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Company believes it acted appropriately as authorized by contract or law | We have had several problems with them ( Select portfolio servicing center ) over the years but the most recent problem is we were trying to get a Home mortification done, and we have started atleast XXXX of them. I have made my payments on time then after the trial period is up then start sending our checks back uncashed and start foreclosure again. Have many fees unexplained. We have had nothing but trouble from them in the last XXXX.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | I am a XXXX of XXXX University. XXXX of the XXXX Colleges. I did receive a relief of my student loan that I took out with Genesis Lending in 2012. They made me take out an additional loan in order for me to graduate. Please can you assist in this matter.
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Company believes the complaint is the result of a misunderstanding | This account has been paid. I contacted the original creditor and verified a zero balance.
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Company chooses not to provide a public response | After my mortgage was sold to Bank of America from XXXX, my husbans lost his job in XXXX. We filed bankruptcy XXXX of XXXX and included this loan. It was discharged XXXX/XXXX/XXXX. In XXXX of XXXX, Bank of America sold my mortgage to XXXX as a loan modification. Knowing that our bankruptcy was finalized and discharged in XXXX. Now, 4 years later, we are unable to purchase a house because XXXX had our names on this property until XXXX XXXX, XXXX. How can a financial institute sell your mortgage after a discharge?
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Company believes it acted appropriately as authorized by contract or law | a representive from sallie mae named XXXX called both my wife and mother about a loan and informed him who he was and what he was calling for from number XXXX ext XXXX his ID # was XXXX. he left messages that he was calling about collecting a debt on the loan. my concern is that niether of them were associated in any way with the loan because I was only a cosigner for my daughter 's student loan.
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Company chooses not to provide a public response | XXXX 2015 Citibank charged over {$5000.00} to a local merchant. The merchant did n't use my name, number, security code or zip code. I called Citibank as soon as I saw the statement and was told they were closing my card, filing a fraud investigation and issuing a new card. I contacted the merchant, who was extremely confused, for the reasons stated above. Fast forward to XXXX 2015 when Citibank STILL wo n't remove the charges, and wo n't tell me why. Every time I talk to them, it 's " XXXX business days '' ... the merchant has attempted several times to run it thru as a credit to be posted, but Citibank does n't accept it. I am at my wits ' end.
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Company chooses not to provide a public response | A Gatestone Rep calls a " list of people who know XXXX XXXX '' in order to ask them personal questions about her. They sound like they are based in XXXX, have thick XXXX accents and mispronounce XXXX 's name. XXXX is my Mother, XXXX years old, not in a position to owe XXXX like Gatestone, ( unless a former creditor of hers has erroneously sold her closed account to this " debt collection agency. '' They call me several times a day, at all different hours, have never heard of our debt collection laws and could n't care less. Worse, is their absolute insistence on sharing my mother 's private information with ANYONE! Can Identity Theftbe far behind? When I attempt to call them back, their phone number is " not in service at this time, '' and call blocking merely shifts them to other IVR numbeers. Please stop these cretins from victimizing my mother any further. BTW..they contact former employees of my mother 's! They are the most mangy creatures currently amid an already shady industry! ''
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Company chooses not to provide a public response | Grant & Weber Inc out of XXXX NV is trying to collect a debt from CALIFORNIA on a Medical debt for XXXX XXXX XXXX XXXX which already was challenged and disputed for services never rendered this debt to believe after investigation someone using my name for XXXX XXXX XXXX XXXX never complied and or sent proof ( SIGNED AUTHORIZATION COPY FOR MEDICAL TREATMENT AND OR WAS NOT MY SIGNATURE OR ID ) Grant and Weber in the past and present has researched my name and credit profile and is soliciting so called past debt and purchasing bad uncollectible PAST DISPUTED DEBTS and calling and threatening to take legal action against me,
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Company chooses not to provide a public response | Your report number XXXX : XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Account XXXX ....
Address Identification Number : XXXXStatus : Collection account. {$770.00} past due as of XX/XX/XXXX
Status Details : This account is scheduled to continue on record until XX/XX/XXXX
This item was updated from our processing of your dispute in XX/XX/XXXX
Date XXXX of XXXX XXXX Reported XXXX : Cell XXXX MonthsMonthly Payment : $ XXXX : IndividualCredit Limit : $ XXXX Balance : $ XXXX Balance : $ XXXX Payment : {$0.00}
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Company chooses not to provide a public response | Experian Credit Bureau has allowed the " creditor '' XXXX XXXX XXXX to continue to reporting negatively on my credit report even after I have disputed this account several times. Both parties have failed to provide me adequate information to validate or verify this account. So I want it deleted from my report immediately. I have done my very best to keep my credit in good standing and this negative information does not help my credit file.
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Company believes it acted appropriately as authorized by contract or law | XX/XX/XXXX I received a credit monitoring alert that notified me of a new collection account listing with XXXX XXXX credit bureaus. At that time, I had n't received any letters or notification from the company, Enhanced Recovery, who placed the trade line in my credit file. XX/XX/XXXX, I sent a letter to Enhanced Recovery - sent certified mail return receipt requested ( XXXX ) - notifying them of the placement in my credit file, that they had not provided any notification to me of a debt owed, and requesting validation of the debt. Although this letter was received by them, I received no response. On XX/XX/XXXX, I sent a XXXX letter to Enhanced Recovery, also sent XXXX notifying that they had not responded to my previous letter, although required by law, and were still continuing to report an invalid and unvalidated debt to the credit bureaus. At that time, I, again, requested debt validation or removal of the trade line. As of XX/XX/XXXX, I have received NO communication from Enhanced Recovery nor has the debt been removed from my credit file. They have continued, since XX/XX/XXXX, to insert and update a trade line in my credit file, causing significant damage to my credit rating. They have not responded to any of the letters sent to them. I have filed a complaint with the XXXX and the Texas Attorney General 's office as well, in an attempt to resolve this issue. Their continued violations are unacceptable, and in violation of both federal and Texas state law. This trade line needs to be deleted from my credit file immediately.
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Company believes complaint is the result of an isolated error | I had an insurance claim that was over {$10000.00} so the insurance check was made out to me, my husband ( who is the co-borrower ) and the lender ( PennyMac ). When I recieved the check and the adjuster 's estimate I called PennyMac who told me all I needed to send in was the check and a copy of the adjustment and they would release the XXXX XXXX of that check back to me. This was on XXXX XXXX. I waited and waited and when I returned from being out of town on XXXX XXXX I still had not gotten the check. When I called again I was told that the XXXX person was incorrect and there were additional forms that I needed to send in, which was not told to me the XXXX time in spite of me confirming the exact steps that were needed. Once I did send in the additional form I waited and waited for the check to be released. I then got a phone call that they messed up the processing of my check and it was going to be delayed ( due to their error ). This was XX/XX/XXXX. I finally did recieve the check. An inspector ( contracted by PennyMac ) came and looked at the house confirming the work was 100 % done on XXXX XXXX. When I called PennyMac on XXXX the XXXX I was told that the inspection report was received showing 100 % completion and I would receive the remaining XXXX of the original check I sent in 7-10 business days from the XXXX. I asked several times to confirm that without a doubt I woudl recieve the check within that timeframe. I then recieved a phone call the week of the XXXX saying that they were holding my funds until they recieved another form, which once again I was not originally told was needed ( as I was told that without a doubt I would recieve my check within 7-10 business days from teh XXXX ). I called back and said because of my work schedule, I could not provide the document until Friday the earliest. I was told that if I faxed in the form on Friday XXXX XXXX XXXX ) that they would recieve it that day and it would be processed that day. Due to my work schedule I did not get a chance to fax it in until Saturday the XXXX. Additionally, I faxed in a copy of the invoice showing that the contractor had been paid in full so that the check would be written out to me and my husband only ( and not including the contractor as the payee ). When I called on XXXX XXXX I was told that they can not guarntee when faxes are received or processed and that they had no idea when it would be looked at. I am again away on business today ( the XXXX ) and do not have access to the original document needed or the confirmation that the fax was recieved. Each time I call I am told something that turns out to be inaccurate despite my asking clarifying questions to confirm my understanding. I feel I have been lied to, that frontline personnal are not adequately trained and the company is being deceptive. Additionally, I have had to incur multiple expenses in an effort to expedite the process that would not have been needed had I the confidence that the company was being truthful with me or if they had followed through with what they had originally told me. This has caused an extreme amount of stress on me, impacted my work and personal life. In addition to the actual damages caused, this company has not been helpful, truthful or transparent with their practices and there is no compensation I will be able to receive for the way I have been mistreated and lied to.
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Company chooses not to provide a public response | To whom it may concern ; I am currently writing you for the horrible service I receive from a mortgage loan officer XXXX XXXX. I filled out an application in regards to a mortgage and just general information because I do n't know much about the different types of mortgages and based on the service I decided I am definitely not getting a mortgage with Bank of America ( who 's service I usually like ) but now also now thinking of withdrawing all my accounts/products from BOA. I 'm writing this because honestly I 'm about to purchase XXXX of the biggest things in my life and your company treats people like garbage, rudely pushing people off the phone and acting like any other big bank push wanting another customer and money in the end I just hope your company does n't treat anymore like this. Thank you for your time.
XXXX
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Company believes it acted appropriately as authorized by contract or law | I received a notice from Convergent stating that I owe XXXX XXXX of XXXX {$160.00}. I was shocked because I currently am a XXXX customer and my account is current. I have been a XXXX customer since XX/XX/2001 Everytime I moved I just transfered my service. My account is up todate and if it was n't they would not provide me any services. I need their services because I take classes online, and have been doing so for 3 yrs. now. XXXX has confirmed that this is an error because I do n't owe them anything and if I did, they knew where to reach me to bill me. I never received any invoices or bills from XXXX stating I have an outstanding balance. My main concern is that this is in my credit report for even more money than what is shown on this notice. The credit report states I owe {$220.00}. Another concern is that my name is mispelled, which is why I truly believe it is a huge error that someone is trying to make may pay for someone else 's debt. Please advise how I can resolve this issue.
Thank XXXX XXXX XXXX XXXX
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Company chooses not to provide a public response | I received a credit alert that a collections company had posted information that may have been harmful to my credit report. I contacted the company ( XXXX XXXX ), but they could n't find my information. So I contacted Experian, which had notified me of the posting in the XXXX place. I disputed the information, and the posting was deleted, but XXXX incorrect addresses that I believe are the root of the problem remain on my report. I 've never lived at either of the addresses on XXXX XXXX noted in the attached document.
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Company believes it acted appropriately as authorized by contract or law | There was an unauthorized transaction on my account and my bank is stating that it is my responsibility.
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Company chooses not to provide a public response | Back in XXXX I was in the process of purchasing a home. I lived at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. While in that process I found out that I was a victim of Identity Theft and the person that stole my identity was using a California XXXX. I have lived in XXXX since XXXX my previous address was XXXX XXXX XXXX XXXX in XXXX XXXX the address which I lived from around XXXX until XXXX. Then after losing several houses that I had bid on and banks that denied me credit due to identity theft I finally got a bank loan after I had an Affidavit of Fraud sent out and had a stop put on my credit to help stop the fraud. I called so many agencies trying to get help. The FBI would not help me and at the time I had no where to turn. I finally purchased the home at XXXX XXXX XXXX in XXXX, XXXX XXXX. The incorrect addresses in XXXX listed as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX are not my previous addresses. They were used by someone else. I have never lived nor even visited XXXX and I need this information removed. I tried to have it removed back in XXXX but it was never removed. I also had a freeze put on my credit for years to stop the person in XXXX from buying things. From what I understand they purchased furniture, Cell phones and possibly tried to get a car in my name. My birth date is XXXX. I also need my work place information corrected. I have never worked at XXXX XXXX XXXX nor XXXX and XXXX. My employer is XXXX XXXX XXXX XXXX and I have worked there for 19 years. I have the police Cheif XXXX XXXX XXXX at XXXX XXXX Police XXXX and has known me for 19 years and can verify that I have lived in XXXX XXXX Pennsylvania from XXXX until XXXX. You can also contact the Police Cheif XXXX XXXX at XXXX in XXXX XXXX that can verify I moved to XXXX XXXX XXXX in XXXX and still live at this address. Also the social security office and verify my addresses since XXXX of my children were getting XXXX back when I lived at the XXXX XXXX address. My daughter XXXX XXXX XXXX still suffers from XXXX now and still gets social security XXXX and lives here with me at XXXX XXXX XXXX in XXXX, XXXX XXXX. When I found out about all of this I was in contact with several police departments in XXXX and sent them all letters due to identity theft. I was told they were going to investigate this but lost contact over the years due to my moving and some of the documents being misplaced. I really thought this was taken care of and I really need to have this information corrected as soon as possible. Thank you very much.
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Company chooses not to provide a public response | This complaint is in reference to previous complaint : [ Case number : XXXX ].
Citibank has address my dispute in a capricious manner. After submitting a dispute for XXXX charges fraudulently submitted on my credit card, Citibank has only XXXX of my disputes. Although was told that I would be notified my mail I was notified only by web notification and given only 10 days for my reply. XXXX of their documents had no option for describing the circumstances of my dispute.
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Company believes it acted appropriately as authorized by contract or law | I would like to make a complaint about TCF Bank, about closing my checking account and freezing my funds, and not trying to properly address my concerns or resolving the problem. My account was closed because I had ACH deposits go into my checking account for my business, and the deposits was in the name of my business, and not my personal name. The bank told me that the funds came in as tax refunds and in someone else 's name and not my name. I assured them that they was not tax refunds but business revenue for my tax preparation business, and I provided proof of that fact on more then XXXX occasion. I also have a saving account that I had opened at the same time as the checking, and had changed the name on my account with XXXX, so the funds would only come in under my name, and there would n't be a problem with me receiving my funds. The funds come from the same source, and TCF is ignoring that fact, and has not tried to verify the funds from where they came. They have repeatedly lied to me about their investigation and have not on any level to contact me, or allowed me to speak to home ever is responsible for keeping the hold on the account. They wo n't even have the courage to speak to me directly and answer any of my questions for what legal reason they have for their actions. XXXX XXXX XXXX Tax Products Group, the bank that I have a partnership with and also the source of the ACH deposits has yet to be contacted to be asked for verification of funds, and has also sent XXXX requests for the funds to be returned back to them, but their requests have also been ignored by TCF. I am being told by there customer service department, that they are waiting on the IRS to tell them what to do about the funds, but the funds did n't come from the IRS, and unless they start with the origins of where the funds came from, the IRS ca n't answer the questions of this issue, because they did n't send the funds to TCF bank.
I am sending my business reports, as well as other documentation that I have also sent to TCF bank, that clearly should have answered the question of this problem, along with contact information and my account number for them, that they may be able to also provide verification about this the source of the funds and why I had received the funds. My account number for XXXX is also my EFIN number with the IRS, is XXXX for XXXX XXXX, of the XXXX XXXX XXXX XXXX and their contact for XXXX 's is Live Tax Professional Support : XXXX.
I hope that I have provided enough information, and if there are more information needed, I would be more then happy to provide it when requested ....
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Company believes the complaint is the result of a misunderstanding | Amerisave Mortgage Corporation offered me a very attractive interest rate in XXXX for refinancing my mortgage. I went ahead and applied for the loan as they guaranteed rate lock for a period of 60 days. They asked me to pay {$420.00} for payment towards Appraisal immediately. As soon as I paid, appraisal was done within XXXX days from the application date. I also submitted online all the documents they requested. Then they sat on my application for almost two months. When I followed up, they said they were busy with too many applications and offered to extend rate lock since they were delaying it. They did extend but kept delaying it further and coming back and asking some document or other. Today they sent me a mail saying that rate lock expired and I will have to go for whatever rate exists now. On top of it they are also asking me to pay for appraisal again saying that my appraisal report expired. It looks like that they have no intention of approving my loan application despite having very good credit standing. Now the rates have gone up and I lost the opportunity of refinancing at a lower rate. I read online and understand now that they do this for many customers. So I want to lodge this complaint and request you to take it up with Amerisave Mortgage Corporation.
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Company chooses not to provide a public response | Bank of America gave me an incorrect payoff amount. Then, after I missed payments, they are refusing to amend my credit report, even with the amount paid. Then, they sent me a refund notice stating that I was overbilled XXXX, so that amount showing on my credit report is incorrect.
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Company believes complaint represents an opportunity for improvement to better serve consumers | they call and dont say anything. i researched them but cant tell if they collect debt or do debt consolidation. I dont have anything on my credit report suggesting I owe anything other then my bills that are being paid.
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Company chooses not to provide a public response | I was being charge with fees from an Appt complex when I moved out. So I filed a complaint with the, " XXXX XXXX XXXX ''. After the review, the XXXX rule in my favor. During the XXXX review, I paid the collection company, because I was getting threatening letters and was being harassed daily. Once I receive the letter that XXXX ruled in my favor, I sent out disputes to all XXXX credit reporting agencies, the collection agency the Appartment company and requested the money back that I paid and disputed the A check was sent to me in XXXX 2014 from the apartment company refunding me the money that I had paid. As of today this derogortory information has not been removed from my credit report.
XXXX
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Company chooses not to provide a public response | I have been experiencing problems with Wells Fargo Bank N.A .
First problem : Wells Fargo Allowed a change to my bank account personal information at the request of an identity thief after I had submitted a 7 year extended fraud alert on my credit profile with the credit reporting bureaus. Wells Fargo should have contacted me personally with the contact information on my bank account profile in their computer before they changed my personal information. Wells Fargo changed my drivers license number and state of issuance, my country of origin, and my home address to those of the identity thief. I have proof of this because a Wells Fargo Banker at a local branch office in my hometown showed me on the banks computer that my information had been altered. He also gave me a printed copy of the changes that had been made. I closed the account since Wells Fargo did n't keep my bank account safe.
The second problem I have had with Wells Fargo is that they have denied me access to online access to the Wells Fargo credit card I have with them. Wells Fargo sent me a letter saying they restricted my online access due to my identity theft issues. I have tried to contact them many times by phone to resolve the problem but I have waited up to 30 minutes on hold with their fraud department and often get disconnected.
The third problem I have had with Wells Fargo is with their credit card processing service called XXXX. I have a business and needed to have a mobile credit card terminal to be able to accept my customers credit card payments so I purchased a mobile credit card swiper from XXXX and then signed up for a merchant account with XXXX. My business is legally registered as an XXXX in the state of Texas and I have documents and an employer identification number and a taxpayer number that I included in my application for a XXXX merchant account. I was sent an email saying I had been denied service due to credit report information from XXXX. I checked my XXXX credit report and found no negative information on it. I believe Wells Fargo is denying me the XXXX service simply because I have a 7 year extended fraud alert on my credit report. Instead of calling me personally to resolve these issues involving Identity Theft they continue to give me problems with every service I have, used to have, or want to have.
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Company chooses not to provide a public response | Our families personal information was recently compromised during the recent XXXX XXXX XXXX XXXX hacking. We would like to verify that no fraud has occurred on any of our accounts, to include our children 's. Yesterday I received a telephone voice mail from the following number : XXXX stating that if I did not call back legal action would be taken against my name. I XXXX this issue and it appears that other people have gotten a call from these people as a " XXXX '' scam. Needless to say I did not return the phone call.
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Company believes it acted appropriately as authorized by contract or law | This is just a general complaint. a utility company says I owe XXXX and sold the debt to a collection agency. The collection agency tacked on fees and put {$140.00} as a negative remark on my credit.
I have never received any service from the collection agency, I never entered into any contract with them either, so why should I pay for services rendered to a creditor/utility company, when the utility company has agreed to a payment from the credit agency?
I do n't think the agency should be able to represent that I owe them the {$45.00}. A consumer should only be responsible for the debts that they make. Any fees a collection agency thinks they deserve should be dealt with between the collection agency and the original creditor. Passing these fees on to a consumer only digs deeper holes for consumers for services they never wanted nor received.
I think legislation should be enacted that 1 ) a company can only report to a credit bureau to collect the original debt, and 2 ) a collection agency can not collect extra fees from the consumer.
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Company chooses not to provide a public response | I have request validation of this account many time and never received it Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] from XXXX XXXX and have notified Trans Union of XXXX XXXX noncompliance I do n't know who this account belong to. This is how Trans Union report this account. I ask that this account be deleted from my credit report
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Company believes it acted appropriately as authorized by contract or law | When my husband left me in XX/XX/XXXX, I struggled to survive. I had a dentist bill of about {$00.00} and a electric bill of about {$600.00}. A credit agency got a judgment against me I could not pay.
now, just today in XX/XX/XXXX that agency garnished my wages for {$430.00} per month. I am a single mother and me and my XXXX kids will not be able to make it if they succeed in doing this to me.
I have since that time rebuilt my credit and I work full time. I am making it by the very thinnest of margins. I checked the law and the Statute of limitations has long, long since past by years on this debt. The have it worked up to {$4000.00}. now. The garnishment is illegal. But the credit agency just does what it likes, knowing that I can not afford an attorney to protest this. They figure we can get away with it XXXX times out of XXXX and the worst that can happen is XXXX in a while someone will make us stop. Most cant. Me being XXXX. Why do these credit people just do as they please with no accountability?
This collection effort is some 6 years beyond the legal statute of limitations. And I will begin to suffer the garnishment next week.
I beg you to help. This is illegal and will devastate me and my XXXX kids lives.
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Company believes it acted appropriately as authorized by contract or law | On XXXX XXXX, 2015, I learned that my credit card had been compromised via a text message from my bank, USAA. I called the company immediately and I thought I had made all arrangements necessary to have the card formally reported compromised to the card issuer, turned off, and a new one sent to me. A week later, I found out the bank had not turned off the card nor reported it to the card issuer. The representative of the bank stated that this was because our phone call had been cut off near the end of the call, and that the bank 's representatives are forbidden from calling customers back to complete the process, nor will they proceed with the actions being taken. Customers are not informed of this. In my case, this meant I did not know that my account was still vulnerable for a week.
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Company chooses not to provide a public response | Signed up for credit card deal promising a Bonus night award when you booked for XXXX nights in the XXXX XXXX program. No sooner had I received the card has the offer been pulled starting XXXX XXXX. This is blatant false advertising as nowhere did it state the program would be ending.
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Company chooses not to provide a public response | I was able to completely pay off my credit card so I contacted the credit card company and requested the payoff amount and closure of the account. I clarified my request by stating that I wanted the exact payoff amount for that day and time and I paid the complete amount during that phone call. I also specifically requested that a letter be sent out showing the XXXX balance and closure of the account. Roughly a XXXX later I received a statement from my credit card company showing that I still had a balance on my account from interest that had ocurred before I had closed the account. This little game could continue on for infinity and I believe that the credit card company is purposly attempting to trick consumers into thinking that they have closed an account. Once the consumer has forgotten about the account and missed numerous payments because they thought the account was closed charging the exorbitant late fees and interest rates. This is an unbelievably deceptive business practice and it needs to stop.
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Company chooses not to provide a public response | I rented a apartment from XXXX XXXX XXXX XXXX in XXXX in XX/XX/XXXX. After a few months of residing there, I have to move back to XXXX in XX/XX/XXXX. So I terminate the lease and pay the penalty which is {$5800.00} the remainder of the balance owed. Then in XX/XX/XXXX I got a call from XXXX XXXX saying that I owed them utility bill of a hundred and fifty something dollars. I call the utility company XXXX and ask about the charges and was told my account is paid in full and has been closed. Then I call XXXX XXXX and told them about my account standing with the utility company but they insist I owed them monies. so I ask for proof of bill but nothing came. After a while I start getting calls from the collection agency " XXXX Pro-Collect ''. I explained to them what happen but was told to sent in proof. I did by regular mail but still got calls from them on my cell phone. Then I spoke to a XXXX XXXX from the agency and she told me they did n't receive any mail from me. I proceed to sent them a registered mail this time but calls continue coming in. I call the agency and ask why are they still calling me and was told they are waiting for reply from their client but at the meantime they will keep calling. Then the last thing I know my credit report has a negative collection report.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | Financed a truck the sales contract was never given to me by finance company was not the original contract and trade listed was never traded in it was fraudulent sales contract and trade in vehicle was sold unregistered in the state of California
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Company chooses not to provide a public response | 1. I was 'served ' a Summons and Complaint with the statement " You are being sued. " ; however, there is not lawsuit filed against me. The person delivering the document said, " You are being served. " ; however, in reality I was not being served actual legal documents. I was handed a document that looks like a court document. Their document should have stated they were intending on suing me, especially if I do n't answer their 'summons and complaint. ' Instead they made it look like a court document to use it as a means to intimidate and scare me. There is no court file no listed on the forms nor is it listed as an active case against me on the website for XXXX Trial Court Public Access : XXXX. ( Fair debt collection practices act, 807, 2A, and 812 ).
2. When I was 'served ', the documents with my personal information were not enclosed in an envelope and this a violation of my privacy rights according to FDCPA.
3. The company that is threatening me is located in XX/XX/<YYYY> and I am requesting from the company that they are in fact licensed to collect debt in Minnesota.
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Company chooses not to provide a public response | I sent experian a certified letter, return receipt requested. Disputing late payments with my XXXX XXXX account. ( They are reporting I was late last month ) I included in this dispute, the actual trade line from my Experian Credit report, A print out of all my received payments from XXXX website, A letter signed and dated by me, asking for them to do a verification of their reporting. I received back a letter saying.. " We received a suspicious request regarding your personal credit information that we have determined was not sent by you '' they went on to say they are ignoring my request.
This was a legitimate dispute, there is no reason to think it was from anyone else.
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Company chooses not to provide a public response | My dad was the victim of fraud on his Bank of America card. I tried and he tried for literal XXXX hours to get through to them. XXXX they put my dad on hold when he gave permission for them to talk to me. Then I was on hold for the same amount of time to talk to them. Once I got on they started quizzing me about details on his account. Nobody told either of us that I would need to provide this kind of information. After XXXX minutes of being quizzed and put on hold I asked to talk to a supervisor. I waited another XXXX minutes to talk to the supervisor who asked me none of the questions the XXXX fraud department person did. I told the supervisor that their customer service was TERRIBLE. Then after I told him that these unscrupulous mints had put over {$25000.00} of charges on my dad 's account, he told me at first that they would take care of it. Then he said since my dad had made a payment on the charges in the past, they might not be able to call it fraud. I told him that these salesmen were calling him at XXXX XXXX, lying to him about the value of the coins, telling him they could help him make a lot of money on coins that are virtually worthless, bullying him, threatening him and asking for his bank account information. I then said that if they did n't take care of this we would hire a lawyer and sue them. These fake mints have been sued over and over for lying to customers and misrepresenting their products. So I asked him why Bank of America was letting charges from these companies, in these amounts especially, go through without scrutiny.
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Company believes it acted appropriately as authorized by contract or law | In XX/XX/XXXX I was told by XXXX XXXX XXXX that I was approved for a trial modification. In XX/XX/XXXX received a foreclosure sales date. The sales date was removed and my loan was transferred to Select Portfolio Servicing , inc in XX/XX/XXXX. Select Portfolio Servicing, Inc. stated that they did not have any record of the trial modification being offered and that I would have to submit a new modification package. I have submitted modification packages every XXXX months for the last XXXX years. Every occasion I am told that I am denied for incomplete information. In XX/XX/XXXX I was told that I no longer qualified for any home retention options. Because I was offered a trial modification and defaulted. I was never offered a trial modification. I was told that my only options were a short sales or deed in lieu. I choose to do a short sales and submitted paper work within the stated time frame. A sales date for XX/XX/XXXX was scheduled before I was giving notice that the short sale was denied. I contacted HOPE hotline and an investigation was opened. Because of this the foreclosure sales date was postponed. As a result Select Portfolio servicing offered a deed of lieu. I mailed the documents that were required to start the deed of lieu. The next day I received notice that my property was to be sold at foreclosure sale on XX/XX/XXXX. I contact Select Portfolio Servicing in regards to the foreclosure sale and was told because the sales date was so close that it would not be possible to do a deed of lieu.
After reading countless horror stories from consumers about the treatment that they have received from SPS, I felt my situation would have a better ending. I have done everything within my power to get an affordable modification on my property. But, I have only received lie after lie. So I am filing this complaint on the grounds of LOAN MOD RUN-AROUND, DENIAL OF INFORMATION, AND LIES ABOUT AVAILABLE OPTIONS, and DUAL TRACKING OF LOAN MODIFICATION AND FORECLOSURE.
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Company believes it acted appropriately as authorized by contract or law | I refi'ed my mortgage with XXXX. I had no issue with them. They sold it to Nationstar. NS immediately tried to force me into their homeowner 's insurance. I had it already with XXXX. They then tried to force me into flood insurance. I already had it with XXXX. Now, they are sticking me with " gap '' flood insurance. They insist on {$2400.00} right away and they are boosting my monthly mortgage payment from {$700.00} to {$1200.00} a month. Repeated calls and letters are useless with them. In checking with the XXXX, they are not accredited and have an " F '' rating. They are terrible! This useless " gap '' insurance will cost me an additional {$15000.00} over the term of my mortgage and I have no right for refusal. They " claim '' I agreed through " terms and conditions '' even though that agreement was with XXXX, not them. It is forcing me to consider another refi 12 months after I just did it. This will cost me {$3000.00} but it saves me {$12000.00}. I could pay off mortgage but would get hammered XXXX by income tax. ( XXXX with withdrawl, XXXX with the boost in % income tax bracket )
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Company believes it acted appropriately as authorized by contract or law | I received an XXXX XXXX from XXXX XXXX University in XXXX NY in 2012. I was XXXX off from my job and wanted to go back to school. What I could not get Federal loans for XXXX XXXX said they would get me XXXX loans for. I am now in debt for around {$50000.00} and am having trouble making all the payments.
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Company chooses not to provide a public response | Certified Recovery is reporting to my credit that the last date of activity on this account was XXXX/XXXX/15 which is in error and is a violation of the CFPB. Please have this account deleted because of their error and violation of law.
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Company believes complaint is the result of an isolated error | I defaulted on a XXXX XXXX Credit Card. Last pay date was XXXX XXXX 2009.
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Company chooses not to provide a public response | On XXXX/XXXX/2015 I applied for a mortgage loan and was informed by the creditor that I had an outstanding $ XXXX balance with XXXX XXXX. Upon some research, I looked at all three bureaus and noticed only Transunion was reporting the past due balance. The other XXXX bureaus, reported it correctly as " XXXX balance settled in full. '' On XXXX/XXXX/2015 I filed an initial dispute with Transunion using file # XXXX. I received notification in writing from Transunion on XXXX XXXX indicating they had updated my report. I reviewed their changes and noted that they did not resolve the issue, and continued to report a past due balance, but instead of it being $ XXXX, it was $ XXXX. I re-filed a dispute with transunion on XXXX XXXX, 2015 and received a response on XXXX/XXXX/2015 with an updated investigation that still showed the issue to be present. To summarize, the past due balance being reported on the XXXX account # XXXX is incorrect, I do not owe XXXX any money. The account was settled in full via a short-sale done on the collateral property. The continued reporting of a past due balance is incorrect. I have asked Transunion to conduct an adequate investigation and they have fallen short. I have contacted XXXX and have been unable to do so, I have documented and spent XXXX hours on hold, being shuffled around to different departments and being advised " the next department is the correct one '' based on the contact information being provided to XXXX by Transunion. I also wrote a letter to XXXX and have not received any response in over 60 days now. If I ca n't get a hold of XXXX to clear this up, how is Transunion verifying this alleged information?
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Company believes it acted appropriately as authorized by contract or law | I am in debt with Sallie Mae and it is a delinquent loan because I have been ACTIVELY looking for work ( no results yet ), but I have an unpaid internship with a company that may hire me. However, Sallie Mae keeps calling on an HOURLY basis ALL week even Sundays after hours ( XXXX ) while I am at church with my family or working.They even had the nerve to ask for my internships number! The tone is demeaning and rude, I feel extremely harassed. Not only that, they have also called my parents at home and at work ( My mom gets calls on her company phone number at work and she is a hairdresser that gets paid by the hour ... so when they call she looses business ), my grandma in another state, and my fiance during classes! I want to pay my loan but until I get the loan re-structured or get a job I can not pay my loan.
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Company chooses not to provide a public response | After moving out of my uncles house I attempted to change my billing address on the Macys website. I successfully changed my address under my profile but paper statements continued to go to my old address. Upon getting old mail from my uncle I called Macys and they explained that the billing address was not changed, that there is a prompt button at the bottom of the profile change page to change your billing address as well. Not seeing said button I believed the address to be changed and will be attaching a PDF showing that contact info under my profile does not indicate a separate billing address. I have spoke to multiple employees/managers trying to resolve this issue but they have been very unhelpful bordering on rude. They claim that my email notifications should be sufficient. Since I normally do not use this card outside of macy 's I did not expect to have a balance and the email notifications do not indicate a balance is due.
Do to their deceptive and fraudulent business practices and unwillingness to rescind the 60 day and 30 day past due reports to the various credit agencies, my otherwise perfect credit score was lowered to the effect of paying a much higher interest rate on a 30 mortgage loan. Essentially, a missed {$88.00} payment will result in my unnecessarily paying thousands of dollars more over the course of a 30yr. mortgage.
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Company chooses not to provide a public response | I found that I had a collection account on my credit report in XXXX of XX/XX/2014 The name of the original creditor is XXXX XXXX XXXX APARTMENTS. I called XXXX XXXX XXXX APARTMENTS when I discovered this collection account and was told that I did n't give them a 30 day notice. The company is now under a new management and the lady I spoke with ( XXXX ) said they do not have the documentation. I explained to her that I have a copy of my 30 day notice but she said I need to deal with the collection company ( PRO COLLECT ). I sent a letter to PRO Collect explain that I do not owe the debt and sent evidence showing that a 30 day notice was given and the debt is invalid but they responded with a letter stating that their client contends that the debt is valid with no explanation on how the debt is valid. I sent them another letter to validate the debt but they can not validate the debt. The credit bureaus are not helping. They just report what collection agency tells them without any validation. I need help dealing with this corrupt collection agency. They clearly know that I do not owe this debt but are trying to collect anyway. The lease ended on XXXX XXXX. XX/XX/2014 and I gave them a 30 day notice on the XXXX of XXXX XX/XX/2014. A staff member signed and made a copy for me.
The XXXX is for {$1100.00}.
{$600.00} for XXXX 's rent ( which makes no sense, since notice was given ).
{$470.00} for Re-letting Fee ( 30 day notice was given. Makes no sense ).
The rest {$72.00} is for utilities. I am not sure if I paid this but I do not mind paying the {$72.00} but the rest of the charge is bogus.
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Company chooses not to provide a public response | I have informed Trans Union many time that XXXX XXXX bank has fail to verify the accuracy of this account Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] .The amount owed is incorrect XXXX XXXX bank claim to have received payments I did not make. my name is incorrect.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | I was promised graduation, a job & becoming certified. It spent XXXX for a XXXX program. I successfully finished my program but did n't receive a graduation or a job to pay off my loan. I am currently unemployed with a loan of XXXX that I can not pay off. They did n't help me get a job or find XXXX. I was left basically by myself to look for a job when XXXX was suppose to be promised. I 've wasted time and a lot of money on broken promises on bettering my future. I would like my money back or my loans forgiven. I do n't want to be in debt.
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Company disputes the facts presented in the complaint | I had a XXXX XXXX card issued through XXXX in XXXX for {$800.00}. It got behind and went to collections with XXXX XXXX XXXX. XXXX XXXX got a judgment against me in XXXX in XXXX county court. XXXX XXXX went out of business in XXXX. Now " The Law Office of Fredrick J Hanna '' has the acct and is trying to collect {$3200.00}. I called them in XXXX of this year and we settled on {$920.00}. They said they would send out a settlement agreement. I called them back today to see if it was mailed and was told there is no record of me calling nor of any settlement amount. My wife and I are trying to purchase a home and this is the only thing in the way. I agree to pay my debt and a little something extra from the collectors troubles, but now it seems like they want me to pay the full {$3200.00}. I do n't even know where that amount came from. XXXX XXXX is out of business, and Fredrick J Hanna lost a major class action suit a XXXX years ago. It looks like they are trying to get the consumer to pay for their mistakes. Im in XXXX and Fredrick J Hanna has an office not XXXX minutes away in XXXX. This can be paid immediately if they would agree to the amount we settled on.
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Company chooses not to provide a public response | the debt was paid to XXXX agency, but another agency is trying to collect it now.
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Company chooses not to provide a public response | US Bank XXXX XXXX XXXX Visa -- Bait and Switch advertising to get people sign up for the credit card. I was promised a free night with every reward booking, but the month after I signed up for the card and paid the annual fee, they took the benefit away.
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Company believes it acted appropriately as authorized by contract or law | I was not notified at any time of these debts that I am being charged for by XXXX XXXX XXXX XXXX on XXXX. I sent a certified letter which I had tracked to see that it was delivered to the original creditor asking to get information regarding the XXXX accounts on XXXX/XXXX/XX/XX/2015, and never got a response from them. I also filed a dispute with XXXX to have these items removed off of my credit report because I do not owe these bills.
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Company chooses not to provide a public response | While serving in the United States XXXX, I received XXXX to travel from XXXX XXXX, XXXX to XXXX XXXX, XXXX in XXXX of 2010 in order to complete my XXXX requirements to be XXXX from the military. I purchased a ticket with a government credit card ( Citibank ) with the belief that I would be reimbursed, or the finance department of my parent unit would settle the debt. I was unaware, until several years later, that the bill had not been paid. For background, when a soldier processes out of the XXXX, every department must sign off on the XXXX. XXXX of these departments is Finance. A soldier is not ( usually ) allowed to clear the installation and XXXX with any outstanding debt owed due to military service. It was for this reason, that when I visited the finance department to obtain clearance paperwork for my XXXX I was assured that I did not owe the outstanding amount on the credit card, and that it would be settled. I have attempted to reach an agreement with both the card issuer and the debt collection service to which they sold the debt, with no success. I have also attempted to remedy this situation through the military, with no success.
This is a serious blemish on my credit, and I would like to get it resolved. I have not been reimbursed for this travel expense, as I was unaware that the debt was owed and therefore did not submit a travel report which reflected the amount of the ticket.
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Company believes it acted appropriately as authorized by contract or law | On XXXX XXXX 2015 I when online into my Paypal account and initiated a transfer of {$230.00} from XXXX of my XXXX linked external accounts, a savings account at XXXX XXXX Bank. Ultimately I wanted to send this money to my sons account with Paypal. Each day I checked the balance on my Paypal account which was {$0.00} until I checked on XXXX XXXX XXXX, when the balance showed as {$230.00}. So I initiated a transfer of these funds from my Paypal account to my sons paypal account. Later that day I happened to be on line looking at my XXXX XXXX Accounts and I noticed that the {$230.00} had been taken from my savings account but had also been taken from my checking account. I was upset because I had instructed the {$230.00} to only come out of my savings and did not know why the {$230.00} was also taken from my checking account. Luckily this {$230.00} coming out of my checking account without my knowledge could have resulted in an overdraw but did n't. When I called Paypal the representative told me that they took the XXXX {$230.00} because the original {$230.00} had n't actually cleared when I initiated the transfer to my son. I asked if the {$230.00} had n't yet cleared from my XXXX XXXX Account savings account, based on my transfer on XXXX XXXX, then why did Paypal show that I had a {$230.00} available balance. I also wanted to know how did Paypal then manage to get the second {$230.00} from my XXXX XXXX Checking on the same day, and why did n't they take the XXXX {$230.00} from my savings account and not my checking, all without my prior approval or even notification. The rep did not have an answer so I asked to be transferred to a supervisor, which he said he would do. I waited on the phone in a queue for quite a while and then was cut off and hung up on. I called again later in the day and spoke to a Paypal Supervisor, XXXX, in their office in the XXXX. He agreed that it was a problem that the system showed the funds as being available and then let me transfer the money, and that it was a problem that the second {$230.00} was taken without my approval. He said that he was submitting a trouble/problem ticket and that I will receive an email acknowledging this. I never received an email so I went on line and submitted an online email complaint. I received the email shown below so I responded saying that I would have to file a complaint with a regulatory agency.
In my opinion I think that it should be illegal for Paypal to take any funds from XXXX of my linked accounts without first getting my approval or at a minimum notifying me.
Dear XXXX XXXX, My name is XXXX and I am a Supervisor with PayPal 's Customer Solutions Department. I appreciate this opportunity to respond to your concerns.
I attempted to contact you directly on XXXX XXXX, 2015 at XXXX Central Time, but was unable to reach you at that time. I wanted to follow up with you regarding your phone call to PayPal on XXXX XXXX, 2015.
A review of your PayPal account shows that on XXXX XXXX, 2015, you made a payment to XXXX XXXX. I do understand that you intended the transfer to come from your account balance. The balance was not added to your PayPal account until XXXX XXXX, 2015 at XXXX Pacific Time . The withdrawal initiated to your bank account for {$230.00} shows that it has completed to your bank account.
I offer my sincere apologies for the difficulty that you have experienced and hope this information addresses your concerns and answers any questions you may have had. You can contact PayPal 's Customer Solutions Department at XXXX if you have any questions or concerns or if we can be of further assistance.
You can find additional information and tips about buying and selling safely on our Business Resource Center at XXXX
Very sincerely yours, XXXXCustomer Solutions Supervisor
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Company chooses not to provide a public response | Bank of America provided checks with my Equity Line of Credit. The XXXX check ( # XXXX ) was deposited into the payee 's Bank of America account. The XXXX check ( # XXXX ), made out to the same payee, was rejected by a branch of Bank of America ; the reason, " REASON-S ''. My primary concern was to have my rejected check ( # XXXX ) stopped permanently since the payee refused to return it to me, but according to a number of representatives with whom I spoke, the " stop '' can only be executed for 6 months at a time and then must be renewed. Since my Line of Credit expires in 2019, I will have to reinstitute the " stop '' XXXX more time during the life of my loan. As you will see in the attached letter to an executive officer of Bank of America, the details are quite clearly stated, but this executive elected to pass it on to someone who never read all my documents and was attempting to simply get me out of the way. I 'm sure the bank has it in their power to clear up this problem, especially since it was their organization that submitted to me checks to use, without restrictions. If additional documentation is required, I will be happy to submit all that I have.
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Company chooses not to provide a public response | Bank Of America and XXXX XXXX XXXX XXXX is blocking the refinancing of my mortgage with XXXX. Even though, I only have a XXXX mortgage with them. They are claiming I have an equity line or XXXX mortgage with them in the amount of {$93000.00}. I have never requested an equity line or a XXXX mortgage from either of these entities. Yet they are refusing to let my refinancing proceed.
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Company chooses not to provide a public response | my bank the BECU decided to take my SSA treasury state check well it was n't a check it was wired funds external wired funds and I 'm mentally XXXX I go to compass health in Washington XXXX XXXX XXXX. I had a bank representative from this number and is on a recorded line because they record their phone conversations XXXX And they have a recorded phone call me talking to a representative from Boeing becu representative bank teller person over the phone and he told me and guaranteed me that the bank could not take that check funds from me. The representative bank teller person over the phone and he told me and guaranteed me that the bank could not take that check but the BECU bank in XXXX wa still proceeded to take the funds from my checking account from the ssa treasury and XXXX. so the bank BECU Boeing In XXXX wa took it from me illegally I even contacted Social Security and called their number and they also told me that the bank can not take my SSA treasury check that I get monthly so I do n't understand how they get away with that and I stuff the contact Social Security to do a complaint and do a claim to proceed to get my funds back that they took I even contacted Social Security and called their number and they also told me that the bank can not take my SSA treasury check that I get monthly so I do n't understand how they get away with that and I stuff the contact Social Security to do a complaint and doing the file when they should n't have considering someone from the banking of us bank from the number XXXX told me and guaranteed me on a recorded line phone conversation guaranteeing me and telling me that they the bank in XXXX Washington BECU Boeing that they can not touch that or take that funds for me out of my checking
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Company chooses not to provide a public response | I already paid in settlement my original creditor XXXX, Nevada XXXX. but my credit report in Experian shows account is still in collection as of XXXX 2015.
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Company chooses not to provide a public response | I HAVE WAITED XXXX MONTHS TO RECEIVE MY REWARDS FROM XXXX BANK AND HAVE COMPLAINED TO THE CFPB AND BBB .I RECEIVED A LETTER FROM XXXX XXXX PRES. OF BANK THAT I WOULD RECEIVE MY REWARDS WHEN MY STATEMENT PERIOD CLOSED XXXX XXXX. I SPOKE TO A CLERK AT THE BANK, XXXX, WHO TOLD ME THE REWARDS WOULD BE POSTED TO MY ACCT.ON XXXX. I CALLED THE BANKTHIS MORNING AND THEY TOLD ME I HAVETO WAIT AN ADDITIONAL XXXX WEEKS.
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Company chooses not to provide a public response | The Fair Credit Reporting Act entitles each consumer to XXXX free disclosure every XXXX months from each of the major credit reporting agencies, XXXX, Experian and XXXX. In XX/XX/XXXX I requested a copy of my free credit reports from XXXX, Experian and XXXX XXXX. I only received the credit report from XXXX.
I attempted today, XX/XX/XXXX, to request a credit report from XXXX for my Experian and XXXX XXXX reports and received the message that I 'd already received my free credit report for the year. When contacting XXXX XXXX XXXX and the XXXX ( XXXX ) agencies mentioned above by phone, there are no options to suit my current situation. Thus requiring a letter be sent instead. However, neither XXXX or Experian list an address suitable to my situation leaving me to choose XXXX that may be incorrect.
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Company chooses not to provide a public response | I had an account with BB & T Bank. When I opened my checking account I specifically stated I did not want them to process any transactions that would send my account into an overdraft status. I clicked on the " opt-out '' link. BB & T allowed many transactions to go through on several occasions which resulted in exhorbitant overdraft fees. I paid BB & T for some transactions. I even spoke to a representative who stated she saw where I " opted out '' and she refunded my money for this. However, BB & T continued to allow transactions to go through and now they are trying to collect these funds from me. I have spoken to several representatives in customer service trying to resolve this matter but to no avail. I do not believe I owe BB & T any money because of their negligence. I want them to cease all collections activity and to remove all disparaging information from Chex Systems, Telecheck and any other consumer reporting agency that they have reported this information to. It is not right for them to disparage consumers based on their negligence.
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Company chooses not to provide a public response | I forwarded one of my tax bills to SunTrust Mortgage. They only paid aportion of the bill, and I was assessed fine/cost of {$280.00}. I contactedthem about this and they told me they would refund my account for thedifference because it was their error. After several months and severalmore phone calls I have still not received a credit to my account.
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Company chooses not to provide a public response | On the advice of the FBI, I 'm sending this complaint on to you. How do I report a teller for applying for a credit card in my name without my authority? On XXXX XXXX, 2015, I made a deposit with a teller at a drive through window. She informed me that Suntrust no longer used the type of debit card I had and that she could obtain me a new debit card. She asked me for a lot of personal information which I questioned and she insisted she needed the information, and she said she could not hear me from the car and insisted that I write down information for her. On XXXX XXXX, I received a letter from Suntrust regarding an application for a credit card and I did not recall the deposit or debit at the time. I called Suntrust and informed them that I had not applied for a credit card, and they said they were putting an alert on my account and would get back to me. It had been a couple of weeks, and I realized I had not gotten the new debit card, so I became suspicious and checked out the receipt from my deposit, and the deposit was the same date as Suntrust claimed I had applied for a credit card. Tonight I called Suntrust and the manager, XXXX, confirmed that the teller had applied for a credit card on my behalf on XXXX XXXX, 2015. Why? All I did was make a deposit - never asked for a credit card, and the teller gave me a long spiel about my debit card no longer being used by Suntrust. I already have XXXX Suntrust credit cards. I do not know what amount the teller applied for or what gave her the notion that she could fill out an application without my knowledge. I am highly concerned that the teller committed blantant fraud as she explained that she needed me to write down information so she could obtain the card for me. Let me assure you, I am clear that she lied by telling me she needed information to obtain the new debit card because Suntrust no longer used the type of debit card I had. She went out of her way to lie to me and then to fraudulently apply a credit card. I believe she has probably scammed other customers, and I wish to have her brought to justice. I reported the information to the manager on duty, and I beg you to investigate please. I do not have my deposit transaction on me today to upload, but the Branch information should be on the receipt. Best regards
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Company chooses not to provide a public response | I filed bankruptcy Chapter XXXX and most f the items on my credit report has fallen off and states that it was resolved in Bankruptcy but there are XXXX items that is still showing thaat it is in collection and its XXXX car repos. I 'm trying to build my credit back up and its hurting it.
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Company believes it acted appropriately as authorized by contract or law | Repeated calls after being on the " DO NOT CALL LIST ''.
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Company chooses not to provide a public response | XX/XX/XXXX We needed new utility service my wifeI was notified we had an old debt for utilities my wife was told we had to contact collection agency to which my wife did she called XX/XX/XXXX and spoke with XXXX XXXX who verified the service address to which we owed money for she was told by XXXX we could split payment up and then was given a confirmation number to which we had to supply to utility company for even being able to start new service-once utility company verified payment with collection agency our new service was started-Now over a 2 years later after reviewing both of our credit report we are both surprised to see where this debt still remains on our credit reports as unpaid as well-when I researched I discovered Collection Associates the collection agency did NOT apply the money we authorized for utility company debt to be paid but instead Collection Associates paid an ALLEGED debt we knew nothing about nor have we ever acknowledge-So we contacted Collection agency via emails along with emails to utility company asking this to be taken care of-the collection agency response was for my wife to call them-my wifes response to them was no seeing how last time she called you screwed that payment up-I did call the collection agency to which this was to be all taken care of and as of todays date it has NOT-Collection Associates withdrew money out of our bank account and applied money to an account we did not authorize the money that was withdrawn to be applied towards-when Collection Associates was notified of this they want to dispute any Wrong Doing they done-I also requested that they pull phone conversation up to which XXXX and XXXX on XX/XX/XXXX at XXXX and XXXX both said they would not do-I also requested that the phone conversation he was having a copy be mailed to us and I was denied this as well-XXXX also told me on the phone conversation of XX/XX/XXXX that their err of Collection Associates would be removed from our credit reports and as of todays XX/XX/XXXX date this has not been done nor has there been any copy of conversations mailed to our address as we requested-We want this collection agency removed from our credit files-if they pull up the conversations and mail them to us this would be proof our our account was paid and this collection agency made MISTAKES-needs to removed via the collection for XXXX that we ow {$0.00} to and ultility bill {$0.00}
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Company believes it acted appropriately as authorized by contract or law | The collection agency has contacted my father regarding my debt. It appears they discussed more than just my location with my father. I never gave them authorization to communicate with my father.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | I was an XXXX XXXX grad of XXXX XXXX, Michigan and recently was informed of the CFPB 40 % reduction deal for students with Genesis loans. I was told the reductions would be automatically applied to my accounts. After a few months with no reduction, I called Genesis and was told that the government decided which loans were to receive the reduction and apparently my loan was not XXXX of them. Is this the case?
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Company believes complaint is the result of an isolated error | We had our home loan servicing transferred from XXXX XXXX Mortgage to PennyMac effective XXXX XXXX, 2015.
We paid our mortgage of {$2600.00} to PennyMac and they acknowledge it. When I go to their " new '' website, the only have applied the Principle and Interest totalling {$1700.00}. The balance of {$890.00} which should be applied to escrow is missing. When I contact PennyMac I get to a call center in Texas who tells me it is there, although on their website it shows zero. When I ask for documentation they say they do not have E-Mail ( Really, in 2015??? ) and can only send a snail mail letter. My complaint is that there is no one and no way to contact anyone at PennyMac to discuss this. I tried to reach their office in XXXX Ca and I am transferred back to the Texas Call Center.
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Company chooses not to provide a public response | Mortgage Company ( recommended by our builder ) has now made XXXX hard inquiries on my wife 's and my credit report. We were under the impression that by signing the paper for them to pull credit, this would be done XXXX. The mortgage company is now trying to dictate the closing date to us even though the house is nowhere near completion. They are once again requesting excessive paperwork for the loan ( that has been provided now XXXX in the past ). I would only assume that since completion of the project is still almost 3 months out, they will again pull a hard inquiry on both of our credit reports ( lowering the score and we are both in the mid to upper XXXX ) causing the interest rate on the final mortgage to be higher for the next 30 years.
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Company chooses not to provide a public response | I have been stolen from for XXXX years from bank of america HELP!!! XXXX XXXX, I 'm scared. Ca n't get any help. Have all documents. There fraud dept, is a separate mess. Please help. I am XXXX. On ssi.They have taken XXXX checks from XXXX XXXX to XXXX. And all savings..TheyThey even opened an online account in my name.I know who the players are..do not deal with personal bankers. Get out of bofa.Now.. I am XXXX. I had to learn the computer, enough to find things out.also, they stopped statements.
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Company chooses not to provide a public response | On XXXX XXXX, XX/XX/2015 my father and I went to USBank XXXX XXXX XXXX XXXX, CA XXXX to apply for an equity loan with our Florida XXXX House as collateral if needed. My father 's XXXX house at XXXX XXXX XXXX XXXX XXXX, Florida is appraised for {$750000.00} and is paid for. We were applying for {$60000.00} for repairs we 're been doing since last XXXX. XXXX XXXX and XXXX was assisting us with collecting the information we brought with us to the bank ( w'2 's and property tax for Florida property and income statements. We were told that it takes about XXXX days for process to be completed. I received a call on the same day XXXX/XXXX/XX/XX/2015 at XXXX XXXX. from XXXX stating the loan was denied and he did n't have a reason as to why. On XXXX/XXXX/XX/XX/2015 I went back to the bank and XXXX told me that the computer denied the applicatin, and still no reason was given. We feel as if the loan was never given consideration. Unfair practices and when I call and insisted on a denial letter or reason, none was given. WE are XXXX XXXX and have combine income over {$7000.00} monthly income. We are able to repay the loan and other information was never collected or considered. I 'm requesting an immediate investigation be given against XXXX XXXX and XXXX at US Bank and the denial be overturned immediately.
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Company believes it acted appropriately as authorized by contract or law | I had applied for a student loan in the past but did not receive the loan. They have it on my credit report as a hard inquiry which is preventing me from getting future loans for my last year of school. I am asking for that to be removed
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Company chooses not to provide a public response | I deposited to my account {$500.00} via my iphone on XXXX/XXXX/2015 on XXXX/XXXX/XXXX my deposit was to clear. A check came in for XXXX and the bank decided to pay the check XXXX, then charge me {$36.00} OD fee, then release my Funds instead of releasing my funds XXXX then pay the XXXX check. I contacted the BB & T was told told that they do not have to release funds XXXX I should have made sure I have enough funds to cover my checks. Other banks I bank at when I do check deposit by iphone, they make the monies available up to the XXXXt {$1000.00}. This bank takes as much days as a counter deposit, if not more.
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Company chooses not to provide a public response | This is a written dispute regarding a previous credit card account that reported me 30-days past due for one month 's charges. My recent credit bureau score report labeled 'Account 30 days past due ' that I am requesting to be reviewed and expunged.
XXXX XXXX & XXXX : 30 days past due in XXXX 2013. This account was a part of my college loan package. Quarterly payments were made. There was miscommunication as to a late fee accrued of {$6.00}. I had spoken to them at that time regarding this late fee and avoiding being reported to the credit bureau. Large amounts of loan payments had been consistently made, I was not aware of the {$6.00} fee that was apparently accrued. The billing services did supposedly remove this fee at time of the quarterly payment, which was paid in full represented by the statement at that time. They did not subsequently remove the late notice and the time continued to accumulate, even though the quarterly statement was paid. They of course retained the idea they were not responsible for this error and unwilling to entertain any modification. The account was paid off and closed very soon thereafter. This is a perfect example of why millions of college students progress into more debt, dealing with loan companies with irresponsible behavior and now involving wasted work time and money of submitting a complaint. I did speak to this company directly, as well as submitting a complaint through the credit score bureau, neither of which providing benefit.
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Company chooses not to provide a public response | Within the last two weeks Regional Acceptance Corporation ( RAC ), XXXX, XXXX has been contacted by all XXXX credit bureaus re. a written complaint I filed. I opened an account XXXX for {$14000.00}. I struggled XXXX to make payments. XXXX I was XXXX for my mom and not working, they knew this. I was on a first name basis with their finance department. They were in XXXX ; I still have their emails. XXXX I totaled my Toyota. XXXX my mom XXXX. XXXX RAC, after receiving {$5200.00} from XXXX, reported me as a 'Charge-off '! Today they state I still owe {$2100.00}. ( STILL adding interest to a supposed XXXX bal. of {$1900.00}. ). It was not until I went for an apt XXXX rental that a Realtor alerted me about the CO. She was especially concerned that RAC XXXX NOT given me ample time to pay-off the balance before reporting a CO. I was in the final year of a XXXX yr. loan ( extended approximately XXXX. out ). RAC cost me that XXXX XXXX rental ; I am now trying to obtain another rental. I need my report corrected a.s.a.p. please! Within the past several days I 've heard back from all except XXXX. RAC is sticking to their deceitful practices of messing up people 's credit and STEALING money! Incidentally, I did send a copy of the XXXX {$5200.00} ck. to the bureaus, thinking XXXX XXXX it was cashed by them XXXX ( receipt in XXXX does n't appear anywhere on my report ). Today XXXX/XXXX/XXXX I received SHOCKING info. from XXXX. Sent because I requested 'any ' additional info. be furnished to me ; necessary after realizing XXXX was n't budging! I have PROOF from XXXX that indeed they sent RAC a {$5200.00} ck. as a 'payoff ' for release of Title. I have the payoff acknowledgement letter and I have my Toyota Title ( XXXX furnished it today )! Regional Acceptance Corporation is AWFUL! Do the math please. I want to know how in 6 years 'they do not owe me money '? They received a total of {$24000.00} ( or very close to it ) on an orig. {$14000.00} loan. I would like them to explain how the interest/late fees were accrued. First they MUST CLEAR my credit reports ( all XXXX ) - again they are costing me from securing a rental for which I need. I wish to involve the government because I 'm fed up with this company and I feel they are shady. During one of the worst moments in my life I was harassed by them ; I am still caught in their poor business practices. Finally, as they did receive a 'payoff ' in the amount of {$5200.00} XXXX ; but they still believe ( incorrectly ) I owe {$1900.00} ( before interest ) - is n't it RAC who owes me? If {$1900.00} was the balance XXXX I assume it was the balance XXXX when XXXX contacted them for a payoff amount. I believe they took MORE than they were entitled to. XXXX was covering me ; but first needed to receive my XXXX from XXXX. I had comprehensive and full collision - they were giving their customer her check which would have been the Blue Book Value ( or whatever source they use ). I think RAC was told by XXXX what the car 's value was ; and I truly believe RAC claimed {$3300.00} above what they were actually due. I 'm guessing they were due {$1900.00}, as my report states I owe. Perhaps North Carolina does n't know what XXXX is doing. Or, maybe 'somebody ' pocketed the {$5200.00} check - why else is it not acknowledged on my credit reports or even after I sent a copy to the bureaus this month? Please help me get this straightened out. Thank you!
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Company chooses not to provide a public response | I submitted a dispute on inquiries that were XXXX and XXXX times by the same people with the same address and name some only a day apart but after the dispute instead of deleting some of them ( XXXX ) they doubled ( XXXX ) them and now my score dropped XXXX points. All XXXX Credit companies are the same they do what they want some one puts something on your report and even if its false its like pulling teeth to get it off. You either have to live with it or pay someone to try and get it off and not everyone ca n't afford {$80.00} a month. I live in Florida and not XXXX of those companies are here so they do n't abide by the new laws of our bankruptcy as I filled and was reported XXXX/XXXX/2011 and since I 've try to rebuild my credit it was XXXX before I contacted XXXX now its XXXX.
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Company chooses not to provide a public response | I filed a chapter-XXXX in XX/XX/XXXX and it was discharged in XX/XX/XXXX ( see photo ). I have not acquired any new debt with XXXX since my filing in XX/XX/XXXX. They refuse to update my account as paid and/or discharged in bankruptcy and they continue to report XXXX open/active unpaid collections. I have been turned down several mortgages solely from their false claims.
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Company chooses not to provide a public response | I ordered my free annual credit report from Experian. I also decided topay {$4.00} to obtain my FICO score. I received both. Experian then usedmy credit card info to bill me {$19.00}. I do n't know what for and theyrefuse to tell meunless I give them my social security number and birthdate over thePhone - in addition to my name. I gavethem my name and SS # but birthdate too was too much to divulge to strangers over the phone. They have no contact for billing issues. I saw multiple complaints for the same issue from others online. It looks like they are signing people up for services without authorization andthere is no way to address it with them. If you do n't pay, they 'll destroy your credit rating. I am trying to dispute it thru my credit card co but Ido n't know if that will be successful. I could use some help.
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Company can't verify or dispute the facts in the complaint | I have never actually talked to anyone but they constantly call over and over!
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Company chooses not to provide a public response | In 2013 my students loans went into a repayment status, with an initial payment date of XXXX/XXXX/2013. I did not receive my repayment terms as they were sent to a temporary address and I was in the process of moving. I contacted the lender ( XXXX XXXX XXXX ) on XXXX/XXXX/2013 via their messaging system, as suggested in their emails, to inquire about placing my loans into a deferment status ( derogatory reporting had not begun ). The response from the lender was to complete an eligibility quiz on their website, and submit produced form, to which I obliged. In XXXX I retrieved the response, and submitted the form produced after completing the lenders eligibility quiz to the loan deferment department as directed, and assumed my loans were placed in deferment as indicated on the website.
Two months later I noticed derogatory marks on my credit report and contacted the lender, at which time, due to their mistake, they agreed to backdate my forbearance and " remove all delinquencies '' from my account.
The lender has since refused to pass the updated account information along to the credit reporting agencies. I have disputed the delinquencies with the lender, credit reporting agencies, and the ombudsman on several occasions, however, the lender is refusing to update the account information stating because it was accurate " at one time '', they do not have to remove the derogatory remarks from my account. In addition XXXX stated they were following Dept. of Education guidelines by keeping inaccurate information on my credit report. I have since confirmed with Dept of Education representatives, this is untrue.
The lender 's failure to report complete and accurate account information is a violation of the FCRA section 623 ( a ). Furthermore on XXXX, I was advised the lender would not report any of my payments while the loan was in deferment status, and advised I put my loans into a repayment status if I wanted my payments to be reported, this is also a violation of the FCRA.
At the advice of the lender I removed the loans from deferment, and they have since started reporting payments.
I have since learned that not reporting payments to an account is a violation of the FCRA and requested to have my loans account changes removed. My loans have been placed back into a deferment status, however, they have not reversed any of the compounded interest.
I filed a compliant with the Ombudsman and was advised on XXXX by representative XXXX XXXX that student loan lenders are required to follow the same regulations as other lenders and directed my to the Title XXXX, however, no where in the Title XXXX does it state that it negates other Federal Regulations, in fact there are several references to compliance with FCRA, therefore the lender is not above government guidelines and must report the retroactive deferment status, and removed delinquencies.
The attached documentation shows my accounts were in a General Forbearance starting XXXX/XXXX/13, meaning no payments due from that date forward. However they are reporting my as delinquent in XXXX, XXXX, and XXXX 2013. Their failure to update the credit reporting agencies with the retroactive deferment date and updated payment statuses is a violation of FCRA 623 ( a ). Please investigate and request removal
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Company chooses not to provide a public response | Filed BK in XX/XX/XXXX at this time the law provided for assuming loans you planned to fulfill and not discharge. I did so for my newly leased Nissan Altima in XX/XX/XXXX. 39 months later I discovered that all credit bureaus were listing this as discharged and XXXX as status pending early termination. I filed suit against them after repeatedly attempting to resolve it accurately and have a settlement in my favor from XX/XX/XXXX. Unfortunately, the credit bureaus still have not corrected it and show it as early termination, and discharged through XXXX. My 39 months of regaining good credit history, making every payment on time as agreed to fully meet all obligations shows nowhere. I have been trying to purchase a home, then even leasing proved to be impossible and very challenging respectively.
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Company believes it acted appropriately as authorized by contract or law | PayPal had limited my account last year and I had filed a complaint with CPFB, to which PayPal had responded. In such CPFB case Case number : XXXX, XXXX XXXX ( PayPal Operations Counsel ) had mentioned that my funds would become available on XXXX XXXX, 2015 ( 90 days from last payment ). However, as of today XXXX XXXX, I 'm not able to withdraw the funds. I contacted PayPal personnel and customer service several times and requested them to resolve this, and even provided them a copy of this letter. However, they refused to help me in violation of XXXX XXXX ' promise and commitment. They told me that his promise and word does not hold any value, and PayPal 's generic policy is superior to his promise/written commitment. They informed me that XXXX XXXX did not notate my PayPal account ( XXXX ) so that the funds could be released on such date, and I do n't know why. I ask XXXX XXXX to correct this and make my funds available to me as promised. A copy of his previous letter is attached herewith.
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Company chooses not to provide a public response | While XXXX I attempted to make a larger than normal payment to a lender which resulted in my overpayment of what the lender was allowed to accept on a monthly basis. This resulted in my cancellation of recurring bank allotments to the lender under the impression that I had paid my account in full. The lender failed to notify me not only that I had over paid them but that they were charging me fees for the overpayment. This resulted in a 120 day delinquency being reported on my credit report. Once I returned from XXXX I received an email from an individual from the lending company that was assigned to identify the reasoning behind my large gap in payments after a previous perfect payment history. Once he informed me of what had occurred, I repaid the past due amount in full and the account was later closed
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Company chooses not to provide a public response | Unable to refinance my high interest mortgage with SunTrust bank for years because SunTrust mortgage made a clerical error on XXXX data and have not made substantial effort to correct the error. Meanwhile I kept paying Sun Trust Bank the high interest mortgage rate.
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Company believes complaint is the result of an isolated error | Had a privacy issue when applying for a vehicle loan through XXXX ( TCF Bank ). I got a call from the funding specialist because apparently they did not get all of the necessary information from the vehicle dealership. I was asked many questions over the phone, many of which were on other parts of the application. I was okay with this. However, there was a document missing that required my signature and my driver 's license was too dark so they needed another copy. I was emailed the document that needed to be filled out and signed. All good so far. Now comes the issue. They do not use secure email and for convenience sake, they allow a text to their manager to send the documents in. I was n't happy with either choice, so I sent it in by text because I did not have scan capability readily available. I sent a picture of the completed documents to the finance institution along with a copy of my driver 's license. Got a text back minutes later saying, wrong number. This upset me.
I called the finance specialist back, and after a little research, he figured out he gave me the wrong number. I just sent a credit application with my SSN, DOB, employer, income, a copy of my driver 's license, and all the information needed for credit fraud. A finance institution did this to me. This upsets me greatly and according to the finance institution, there is nothing they can do but call the individual back that I sent my information to and ask him to delete it. This makes me feel so much more safe. I just put my information out to be used or sold to a complete stranger.
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Company believes it acted appropriately as authorized by contract or law | Hi and thanks for your time ... we recently refinanced in order to take advantage of the reduced FHA monthly MI premium and move from 5yr ARM ( originated with same lender about 12 months prior ) to a fixed product. The monthly savings are less than {$100.00} but the silver lining was ARM to Fixed. The day before closing I received the following e-mail : XXXXXXXX , Funds to close is $ XXXX escrow return is {$4400.00}.
Sorry about the funds to close but the difference it is made up in the escrow return.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXOffice : XXXXTollFree : ( XXXX ) XXXX ext.XXXXFax : ( XXXX ) XXXXXXXXXXXXwww.usmortgage.com XXXX $ XXXX at closing to save less than {$100.00} per month is a lot but the promise of the escrow refund made it tolerable.
A few weeks later the escrow check was received in the amount of {$2200.00} ... big difference.
We closed XXXX/XXXX/15 and I have been going back and forth with the lender to figure out what happened for the past month and every contact ends with let me look into it and I 'll get back to you ... then nothing until I reach out again.
We think we were misled and I ca n't say for sure but I do n't know if we would have gone forward with the transaction without the inducement of the {$4400.00} escrow refund.
Do we have a legit complaint?
Thanks again for your attention to this matter. Any guidance you can offer will be appreciated. I 'm sick of going back and forth with the lender and then being ignored.
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Company believes it acted appropriately as authorized by contract or law | I Am XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TX XXXX -My SS # is *********** - DOB - XXXX XXXX -On XXXX, Paypal Notified me that they were TERMINATED MY DEBIT CARD FOR NO REASON, A VILATION OF COMAONY POLICY ( THERE IS NONE ) after 17 Years and I have paid XXXX in fees to them for processing my payments, I have NO UNSOVED DISPUTES AND THEY LISTED XXXX -all of which I refunded after I found out they were CONVITED CRIMINALS - COmoany Policy, I am a 10 Year XXXX XXXX and XXXX int he Texas Secreatry of XXXX - I also have a Texas Credit Organazation XXXX and XXXX Texas Insurance Licence XXXX XXXX XXXX Financial Analysist and CFPB- - My XXXX as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - It is my Tax Attorney Address XXXX Coffin Atty, XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - Pay Pal Tells me that they are going to HOLD MY XXXX for 6 Months - When I have done nothing but been a loyal Client and a Tax Payer - This is Fraud and the TExas Attorney General said it is DECETIVE TRADE, FRAUD AND THEFT - I have reported this to them and local police, XXXX XXXX POLICE DEPARTMENT, XXXX TX XXXX. My attorney tells me to see them immediately, for lost Income, Fraud and Deceptive trade.
I demand my fund back and have given them 3 days to do so, they state in an email only that they will NOT until they please. Under Texas Law and Federal Law this is NOT A bank and I owe them nothing and have NO LIABILITY - I want my fund returned to my CORPRATION IMMEDIATELY - MY EN # IS XXXX, XXXX XXXX XXXX - I have copied XXXX people at Pay Pal and their Board of Directors -I ma seeking Criminal charges as well as civil charges - Please do your due diligence and return my funs as I am XXXX - I have reported this to all the News Channels, Written XXXX XXXX PERSONALLY and President Obama XXXX PAYPAL HAS XXXX of complaints and the CFPB IS LETTING THEM OPERATE - SEEMS to me We should be suing you -Please help me accomplich putting these people out of business -My Card # is **************** exp XX/XX/XXXXMy attorney is XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX : XXXX XXXX ) XXXX hard to beleive after 17 years they would hold XXXX and have a attitude like I have done something wrong - A XXXX man that the GOVERNMENT FINALLY APPROVED XXXX AND I TURNED DOWN - I lost my mom on XXXX XXXX, XX/XX/XXXX - and she told me NOT TO POAY THE GOV, keep all cash that there are nothing but crroks - She was XXXX, had XXXX Siblings - XXXX nephew is XXXX XXXX, XXXX XXXX, he states it is simple theft, Fraud and Deceptive Trade- SUE THEM and give them to the CFPB that he would call XXXX XXXX - the XXXX is XXXX XXXX, XXXX XXXX and US XXXX MAGISTRATE northern XXXX of Mississippi - XXXX - He too said he would call XXXX the Governor of Texas -.
I await your reply and thank you -I have done work for the Affordable XXXX XXXX XXXX a consultant and its hard to belelive this could really happen -My XXXX XXXX XXXX TX XXXX
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Company chooses not to provide a public response | A settlement for a short sale with XXXX was made in XXXX/XXXX/2012. I received a form XXXX for the cancellation of debt ( Please see attached ). XXXX report my account as outstanding 2 months after settlement
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | I called Genesis Lending to discuss the forgiveness currently available for former XXXX Students. I was informed that my loan did n't qualify because I had an AFT loan. Upon further research, this loan is for teachers. I am not a teacher nor did I sign for this type of loan. I have been deceived in so many ways and time after time I am being held liable for a loan that was misrepresented to me. This issue needs to be resolved especially when I 'm repaying a loan I have no information on.
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Company believes it acted appropriately as authorized by contract or law | I have a credit card through USAA and the Master Card payment can be done online. I made a payment and I was charged XXXX thus leaving me with a {$1900.00} and change credit which subsequently created an overdraft because I also have pulled {$6700.00} out to buy a truck. I have been speaking to several respresenatives XXXX, XXXX, XXXX, XXXX and a few others I can not remeber and still can not seem to get a hold of anyone who can give me a straight answer with realistic expectations. I 've ask to speak with management and was then transferred to USAA 's Executive Resolution Team who still couldn'y help. I asked to just speak with a manager and was told that was a 24 hour wait time, I suppose because at my point I 'm extremely irratated. I believe if USAA has the ability to accept an electronic payment or take money out of your account under their direct payment options, yet they claim they can not reverse the payment. So if an error is made regardless of the facts or situation, the customer will have to wait XXXX to 10 business days to be refunded the money. So fortunately I have savings, but what happens to the individual who gets this error and they do n't have money in the bank? {$1900.00} is many families two week take home pay check and USAA believes families can just skip a pay check! Worse during this process USAA has called " today '' and told me the card was compromised and has been locked so I can not even use the card to get the credit off the card. Lastly my bank charged me an over draft fee.
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Company chooses not to provide a public response | Wells Fargo sold my mortgage without me and my wife knowing it, I never received a servicing transfer notice, I began receiving letters from lawyers stating my home was up for foreclosure with XXXX XXXX XXXX, this is how we found out that our loan was transfered, I began seeking counsel, my home until today is up for foreclosure, My lawyer have petitioned sheriff sales and now found out that XXXX sold my home in a sheriff sale back to Wells Fargo, after it was petitioned but still was sending me foreclosure notices after the suppose to be sale date after I have been making several attempts to petition the sheriff sale, we spent several thousands of dollars paying lawyers. Wells fargo have not given us a chance to do a modification they are not out to help the lender, it has been 5 years and now they are telling me it is to late to save my home when I did not even know they sold it..unbelievable
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Company chooses not to provide a public response | i took a loan out from XXXX. i became unemployed we agreed to make XXXX installments bi-weekly. they than came back and offered me a XXXX installment with deferred until XXXX/XXXX/2015. i agreed but could not open the file to e-sign. i sent an email agreeing to the terms. and they took my XXXX but loan.me said because i did not sign they were going to take another XXXX out of my checking account. i ran down to the bank closed my accounts and reopened. this was a verbal agreement which was followed up by an email agreement. this agreement became binding at the point they took my 300.00 dollars.
they constantly call me even after i have asked them not to.
XXXX XXXX
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Company believes it acted appropriately as authorized by contract or law | I have XXXX car loans through Automobile Acceptance.I am still paying for the Azera. But the loan for the Town and Country was almost paid in full when I needed the repairs done.I had paid the car loan down to approx {$600.00} and the car would be completely paid for.I had repairs done on my car in XX/XX/XXXX-XX/XX/XXXX. The cost was approx {$800.00}. I had the work done at XXXX. The vehicle loan is through Automobile Acceptance and XXXX works with them. You make your car payments, car repair bill, etc to them.
I was told by AutoTune that I am to pay {$140.00} per month and there was no mention of interest on the repair bill. It should also be noted that this is the second time I have my car repaired and paid to Automobile Acceptance and there was n't any interest charged. The gentleman at XXXX never said anything about interest charged on the repair bill. Like I said this is the second time I have had my car repaired this way.
After steadily getting all the calls regarding the repair bill I told them that my repair bill should be paid for by now. When I looked at the bill I saw that interest was being charged to the repair bill.
When I went to them they combined the repair bill with the rest of the balance owed on the car. That 's when I discovered that I was being charged interest on the repair bill.
I am submitting the payment history and a copy of the contract.
Please help. I am on XXXX and my husband is the sole bread winner as I ca n't work. So our money is limited and we count every dime. It 's not fair that I am being charged interest on a repair bill.
I am getting phone call after phone call regarding my payment for the repairs. I get calls XXXX-XXXX times per day. I informed the company that my bill is to be paid once per month.
When I started paying I would pay every other Friday, to get the loan down, and I figured it was a good way to pay since I had to pay for the Azera and the Town and Country.
Please look into this matter and help me please. Thank you in advanceXXXX XXXX XXXX XXXX XXXXThis will be the XXXX car loan I 've had with them.
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Company chooses not to provide a public response | THIS IS NOT A CHARGE DISPUTE. IT IS ABOUT TAKING THE CHARGE OFF FROM MY CREDIT HISTORY.
I held a Bank of America Credit card. My credit card was stolen around XX/XX/XXXX and there were fraudulent charges on my card. I noticed this when I received the statement and launched a complaint with Bank of America ( BOFA ) and disputed the transactions. BOFA froze my online credit card account and reversed the fraudulent. As a result I was unable to see any outstanding bills on my account. There was a genuine {$40.00} XXXX clipper card fee that was outstanding on the bill. As my account was XXXX, I was unable to see any outstanding payments on my account and the amount was sent to collections. I made the payment as soon as I received the statement from collections, However, this impacted my credit history. I called BOFA in early XX/XX/XXXX to take the late payment charge off my credit history and called back in XX/XX/XXXX to follow up. I was assured by BOFA that the charge was taken off from my credit history. I applied for refinancing my current mortgage and was told that the late payment impact is still being in reflected and my credit score has been impacted. As a result, I was declined the loan that I tried to refinance. BOFA promised that the charge has been taken off my account and it takes XXXX days to reflect on the credit card. I spoke to BOFA exec throught chat on XXXX and XXXX. I was assured that a customer service exec would contact me with the status. No calls. I tried calling them today on XXXX narrated the whole story and was then transferred to another department and then the call dropped. I tried again after being transferred to billing dispute department, fraud department and several other departments, I was told that the charge will not be taken off from my credit history and that I should take it up with the XXXX. My questions : 1 ) Why was I not told this when I followed up with them in XXXX, then in XXXX, and XXXX.
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Company disputes the facts presented in the complaint | A company called " Credit Collection Services '' and " XXXX '' have sent another letter concerning a debt for XXXX XXXX XXXX of {$25.00} to XXXX XXXX XXXX who does not live at this address and also, is not even the correct middle name. The middle name is that of my mother who died over XXXX years ago. I have filed a complaint in the past for this same company and this is another continued attempt at fraud. I checked multiple website and every single site says the same thing " fraudulent. '' I contacted the company and spoke with a " XXXX XXXX ( not sure on spelling ) '' or " XXXX XXXX or XXXX '' she gave multiple names which made the call even more suspicious. I was intrigued by this and asked if she had any more aliases she went by. She stated no. I informed them I was filing a complaint. I also contacted XXXX and informed them of the situation providing them with the File Number and PIN number on the document.
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