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Company believes it acted appropriately as authorized by contract or law | Fidelity Creditor Services out of XXXX Ca., has erroneously charged a debt to me stemming from a rental agreement which a relative signed and I did not. I advised them of this. However, instead of taking me out of that claim, they filed with the XXXX XXXX Superior Court a complaint against me for nearly {$5000.00}. The debt shows on my credit score and it has negatively impacted my score and my financial reputation as I have in the last 12 months refinanced my home and am about to do so again. As a result of their tactics, my FICO score went from XXXX to XXXX. This has made lenders unable to provide me with lower loan rates thus negatively financially impacting me.In addition, they have provided details about my debt to third parties without my authorization.
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Company believes it acted appropriately as authorized by contract or law | I was contacted about a debt on XXXX/XXXX/XXXX that I questioned the legitamacy of. The debt collector claimed I owed over {$500.00} for medical bills dating back to XXXX. I sent a certified letter asking for verification.
On XXXX XXXX, I received a letter stating that the verified debt was {$19.00}.
I received another call today, XXXX/XXXX/XXXX again claiming that I owe over {$500.00}. I was told they would have to verify the debt again.
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Company believes it acted appropriately as authorized by contract or law | I went to school at XXXX XXXX XXXX. At the young age of XXXX I really did not know what taking out a loan would mean for me nor had I ever dealt with any kind of debt before. There was no education given to me about what the consequences would be taking out a loan this large and I had no idea what would await for me once I graduated. I did not think much of it and the entire time I was attending college I thought I would just be using my degree I paid all this money for to get a good job that paid well and easily pay back the loans in time. After graduation I soon realized that this mentality was completely incorrect. This is when I began receiving bills from NJCLASS for close to $ XXXX/month on top of the federal loan I had to pay back which about another $ XXXX/month. This was very unsettling and there was no way for me to pay this kind of money straight out of college. It was not easy to find a job after graduating and it probably took me about 1-1.5 years to even find a salary position. During this time I had tried deferring the payments until I had more income and after I could no longer defer it I was just sending as much in my payments as I could given what I was making. How is a young adult supposed to survive on their own under these conditions? I was having difficulty just paying the loans back, forget about me having enough money to buy a car, rent/buy a place to live, start a family, etc. Then just as I was about to have enough money to make these outrageous monthly payments in full I come home to find out that my XXXX loans had defaulted and were sent to a collection agency without much warning at all. It would have been nice if they warned me that my loans were about to be sent to a lawyer 's office that would be tacking on even more money and making my payments even higher allowing for no form of consolidation or rehabilitation. This is when things really got ugly and worry and stress completely consumed my life. I had no idea what dealing with a collection agency meant for me as they mentioned that they could sue me. I started to panic and wound up seeking out a lawyer to talk to about what my options were.I found out that there was no way to rehabilitate. I do not see why the loan could not have been rehabilitated after making consecutive on time full monthly payments. The collection agency had also tacked on about an additional $ XXXX in legal fees to the total amount I owed for my XXXX loans which just seems criminal. They also said I would need to pay them $ XXXX/month now. I could n't believe what was happening to me, if I was already having trouble paying how would making me pay all this extra money help? My lawyer I was seeing told me I either had to agree to pay them the $ XXXX/month or if I could not come up with that I would have to file bankruptcy. I spent awhile mulling over if bankruptcy was the right choice for me because I was unsure how I would come up with that much money. I became so stressed out over this as I could not believe a XXXX year old had to consider bankruptcy because he chose to go to college. I kept just thinking how did my life come to this? I eventually decided I would not file bankruptcy because I did not know how that would affect the rest of my life going forward and I chose to live with my parents and basically have my entire paycheck go to this payment. This made things really hard for me because I did not have money for anything else and the stress and anxiety continued to pile up. I tried many times to work with the collection agency to see if they could lower the payments or work out an alternative payment plan but they would not budge. I am now XXXX and I am still forced to live with my parents and unable to move forward with my life. How can no rehabilitation program be offered? I can not move forward with my life in this situation.
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Company believes complaint represents an opportunity for improvement to better serve consumers | Concerned the loan ( SPOTLOAN ) may have been illegal for the state I live in at the time it was approved. It appears the company is no longer doing loans for state of GA. Money was deducted from my account every payperiod. When my bank account was suggested to be closed due to fraud against it, I contact the company and was advised I could now make my payment by debit card. Called to make my payment, and system was down. Was told I would not be penalized when calling back to make payment. I called to make my final payment and was advised my account was marked as collection. Payment was charged for interest due to company not being able to accept payment on due date
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Company chooses not to provide a public response | I have disputed several items on my credit report that are the result of someone using my information for XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I have a phone through XXXX XXXX and have had cable at my address for several years in my wife 's name. I have disputed these items several times and called XXXX XXXX XXXX etc. and they have removed these due to fraud. Yet a collection agency still is trying to collect for all of these. I want them removed ... .or proof of my drivers lisence used with my picture on it. All of the phone companies and cable company do not require photo id ... .and these are not mine. I want proof this is me, or remove them immediately. What ID was used to open these accounts???? Also XXXX XXXX XXXX?? There is not even a XXXX XXXX XXXX in the state of Washington ... .I have never lived anywhere but here and this account is fraud. What information was used to open these accounts?
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Company chooses not to provide a public response | On credit report XXXX, XXXX, Experian states XXXX negative accounts, XXXX positive accounts, XXXX inquiries.
However XXXX XXXX XXXX after 36 months of paying debit for cell phone bills will not sell a XXXX down cell phone at 25 dollars per month because of ruined credit and harassment.
Being a veteran I was billed for emergency non VA treatment hospital care, and sent to collections feeling I was billed XXXX dollars for emergency treatment at non VA hospital my question when my employers and veteran payee pays over 15, ooo dollars in Medicare payments WHY cant Medicare pay the non VA hospital bills. There is wreckage of the past that causes abusive unfair credit reporting. Since 1985 I do not use credit cards.
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Company chooses not to provide a public response | On credit report Transunion, XXXX, XXXX states XXXX negative accounts, XXXX positive accounts, XXXX inquiries.
However XXXX XXXX XXXX after XXXX months of paying debit for cell phone bills will not sell a XXXX down cell phone at XXXX dollars per month because of ruined credit and harassment.
Being a veteran I was billed for emergency non VA treatment hospital care, and sent to collections feeling I was billed XXXX dollars for emergency treatment at non VA hospital my question when my employers and veteran payee pays over XXXX dollars in Medicare payments WHY cant Medicare pay the non VA hospital bills. There is wreckage of the past that causes abusive unfair credit reporting. Since XX/XX/XXXX I do not use credit cards.
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Company chooses not to provide a public response | On XX/XX/2015 sent husband to cash income tax check. I was not present, so I signed and gave my husband my Drivers ' License. Check could not be cash because I was n't present, but could be deposit in the account and money available the next day. I felt the bank did not give my husband a good understanding about what would happen to our income tax check, and made him feel the check would need to be deposit in order to get the money. I also went to the bank after work and to find out what happen to the money to pay our bills at that moment. The bank told me there is nothing they can do, XXXX pick the check up at noon, and they do not have the check in front of them.The bank policy is to take your money, but have restrictions on how they disburse your money.I do n't have to be present to deposit the money, but present when they cash the tax check, and there are no documentation, or check scan on computer proof of check deposit.I feel I have been lied to and inconvenience.
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Company chooses not to provide a public response | I was contacted by XXXX XXXX of Citibank 's Office of the CEO and President ( she reports to XXXX XXXX ). I previously file a complaint in the begining of the month about my Credit Line being reduced due to a medical bill reported incorrectly to the Credit Bureau. I was not aware that my line was reduced until I reviewed my monthly billing statement and then started the Credit Bureau dispute process. Upon speaking with XXXX today, she indicated that I only had XXXX days per policy to contact them about the inaccurate information on my credit file. I was not aware of this since I have no recieved any communication from them about by Credit Line being reduced. The reducution caused by FICO to be reduced significantly and now I am XXXX points shy of qualifying for a mortgage because of this issue. The medical bill has sense been removed from the file. I am asking for Citibank to do XXXX of the following : -Restore the credit line to the original limit without pulling additional inquiriesor-Remove the tradeline from the Credit FileThis is very upsetting that this happened and now is impacting me from obtaining a home after I have saved $ XXXX to put down. I making over $ XXXX a year and have additional income outside my salary. Please consider my preferred resolution in order to allow me to obtain a new home. Thank you!
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Company can't verify or dispute the facts in the complaint | there is currently a lien on my property at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. I purchased the property XX/XX/1994. several refi 's etclater some title company finds that a lien is on file=it show thatdovenmuhle morgt co did not due the proper paper work and aftermany attempts talking to them and sending them the same infothree times=they say they can find no records of a loan and keepasking me for the loan number. phn # is XXXX and I havebeen dealing with a XXXX=XXXX=and an XXXX with no results=
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Company chooses not to provide a public response | Made a domestic wire transfer from Citibank to XXXX XXXX XXXX Bank on XXXX/XXXX/2014 ( Citibank reference number XXXX ). Shortly thereafter it was discovered that the beneficiary 's account no. was incorrect. Several requests were made via Citibank to XXXX XXXX to return the funds but to date XXXX XXXX has refused to return the funds despite Citibank 's repeated recall requests ( Citibank wire case XXXX ). To date ( XXXX months later ) funds have not been returned.
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Company chooses not to provide a public response | I received credit information regarding a background screening results for pre-employment. XXXX Mortgage XXXX has placed on my credit report that I have a XXXX lien mortgage agreement with them. XXXX indicates on my credit report that I opened an account with them on XXXX/XXXX/XXXX. I DID NOT sign a XXXX lien mortgage agreement with them. According to XXXX I have a XXXX lien mortgage that totaled {$90000.00} and I have a balance of {$62000.00} and I owe a past due amount of {$28000.00}. On my credit report XXXX indicates that in the prior 15 months I was 120 days late XXXX times. ( Due the math ). XXXX indicates on my credit report that I signed a XXXX lien mortgage to pay them {$680.00} for 120 months ( 10 yrs ). According to the credit report, I stopped making payments from XXXX XXXX so as a result it looks like I have made regular payments of {$680.00} for the past 12 yrs ( XXXX/XXXX/XXXX ) which totals my payments to XXXX to be {$99000.00}. Which I haveNOT. XXXX reports on my credit report that I stopped making payments as of XXXX XXXX. Since this was my last payment with XXXX I would like to review any payment records and my cancelled checks up to XXXX XXXX. According to XXXX as of XXXX/XXXX/XXXX I am 120 days past due. I had a XXXX lien mortgage with XXXX in XXXX on XXXX address and I had a XXXX lien mortgage with XXXX XXXX in XXXX on another address. XXXX resulted in foreclosures in XXXX and XXXX. In my opinion, I believe XXXX XXXX would not have allowed me to purchase another home in XXXX with a XXXX lien mortgage on my credit report with XXXX. At the time of that XXXX purchase I had a credit score of XXXX. Please investigate.
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Company chooses not to provide a public response | I had a credit report pulled with my financial institution and there was a social security number on it that does not belong to me.I went down to the social security office and they told me they do have an official person with this number and they are receiving benefits and he said this person must have made a mistake with spouses number and put my number in his information instead of his spouse 's and now his number is on my credit report from Experian I tried to call Experian about this and only got a recording.I would like this person 's number of my credit report.I looked my credit report over and all the information is correct so this is just a mistake on the benefits part but I want it off my report. My number is the top XXXX the wrong number is underneath mine
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Company chooses not to provide a public response | Bank of America has continued to contact me on my mobile phone even after explicitly denying consent and after repeated requests for them not to contact me via cell phone. BOA has contacted nearly daily for the last three months while for large part of time my account was current. When I ask BOA about this they say that the calls must be in error, however, I continue to receive them and I 'm feeling harassed.
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Company chooses not to provide a public response | On XXXX Bank of America Collections department seized ALL funds in our checking account in the amount of XXXX. We spent over 2 hours, XXXX people, and XXXX disconnections later to get an answer to what this seizure was in reference to. Bank of America stated that this was a seizure of funds for collection of a boat loan debt. The collection attempt is for a Bank of America Loan. There was no judgement, no lawsuit, no certified letter, no letter period that indicated that they would seize my funds. This account holds ALL of our funds. This account has a third party listed on the account and 100 % of wages of this third party. This has caused us to not be able to pay our bills including our rent which is due on XXXX XXXX. If our funds are not put back we will be facing eviction.
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Company chooses not to provide a public response | On XXXX XXXX, XX/XX/2015, at XXXX, I was contacted by my grandmother regarding a phone call she received. My grandmother stated that a woman called her claiming that if I did n't call her back today, a sheriff would be sent to my home. I called the phone number given to me. The call was first answered by a man who gave me hisname only. Upon telling him my name, he identified the company as " XXXX XXXX '' and transferred me to my case worker. The next person I spoke to was a woman who said she needed to retrieve my file. While apparently shuffling papers, she gave me a lot of vague information regarding " the case. '' She did n't specifically identify the company suing me until I asked her what she was talking about. At that time, I stated that I did n't purchase anytjing for {$1200.00} in XX/XX/XXXX because I was out of work. This is when I was told the case involved a bank account. When I continued to ask questions, the case worker made statements such as, " I 've never heard of anyone forgetting about a bank account before. Maybe a loan, but not a bank account. '' and, " If you choose to go to court, you will owe {$3200.00} instead of the {$1200.00} this company is asking for now. '' When I continued to ask questions and state that I was confused, the case worker transferred me to someone she described as the attorney handling my case. This woman was more threatening than the case worker. She told me that the bank has camera footage of me entering the premises to attempt to defraud them and that people go to jail for robbing banks. At some point during our conversation, the woman identified herself as a paralegal. I then told her I thought I was speaking to the attorney handling my case. At this time she said I could speak to the attorney for a fee of {$250.00} per hour, and did I want to pay this fee with a Visa or MasterCard. I stated that I would not be paying anyone {$250.00} per hour to speak to them. At this time, I was looking up information online about debt collection practices. I asked the woman for validation of the debt, to which she responded, " We are beyond documentation at this point. '' She also said that, while I 'm " XXXX '' things, I should " XXXX whether people go to jail for stealing from banks. '' In an attempt to reason with this woman I stated that I would not be handing any money over or making any payment arrangements until I was sure of the debt. She then gave me an account number and told me to go today to the US Bank near me, give them the account number, my name, and social security number, and they would provide the information I 'm seeking. I was told to call her back by XXXX. At this point, she said " Good luck to you. '' and hung up on me. I 'm now terrified to do anything that this woman told me to do. I feel like I was being " shaken down, '' so to speak. This law firm never XXXX said they were attempting to collect a debt, I was only told they were attempting to avoid court and anything I said would be held against me in court, as if I was being arrested.
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Company believes it acted appropriately as authorized by contract or law | we did a modification, we were approved with XXXX XXXX XXXX this was in XX/XX/XXXX as soon as we were approved they denied all at the same time. sent mtg, payment back to us and sold to select portfolio services. they 're not working with us. we obtained a lawyer, fee of XXXX a month who was suing XXXX. were now in forclosure we dont have a payoff amount it goes from XXXX, XXXX and then XXXX and back to XXXX we found this much out because were trying to do short sale and obtain our equity from the home, but now it going into forclosure. our parents left us this house, we did probate were abused in the refinancing of the propety, its been a struggle since XX/XX/XXXX the percentage has alwys bee 19 % never went down. we were said too so many times '' pay on time for a year and the percentage will go down with monthly payment. '' that never happened. we borrowed off the house in XX/XX/XXXX to do just what they asked. continue paying on time and things would get easier. that was not true. the money borrowed paid mtg. for XXXX years on time, the note was XXXX monthly. then XXXX started forclosures then stopped, because we had help from Harp. they lowered the mtg. to XXXX monthly that lased for about XXXX years. thats how we arrived in this situation now. we did the siminars thats how we were approved for our modification in XX/XX/XXXX then it was revoked in the same month. as of today were in forclosure and trying to make sure were not wrong but we were abused and taken advantage of. were looking for justice somewhere so i started here, i do not know what else to do. we 've been here since XX/XX/XXXX please help. i Need to know if XXXX XXXX XXXX is still acountable for all of this. Select portfolio services is having problems and complaints of their own, why would they take on this loan and not want to work with us but force us out. i beleive they knew what was happing with XXXX and should not have been able to get this loan and there was a legal suit filed against XXXX XXXX XXXX?
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Company believes it acted appropriately as authorized by contract or law | Enhanced Recovery has reported to the CRA that I owe a debt to XXXX that was the resault of Identy theft. I reach out to them XXXX time and then went directly to the orginal creditor ... Spoke with XXXX XXXX at XXXX who has confirmed the account is cleared and has let the collection agency know that this account has been clear and any negative information should be removed from my bearus within XXXX to XXXX hours which at this point it has not been removed
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Company chooses not to provide a public response | Franklin Collection Service , INC . Stated that I owed XXXX XXXX for internet services ; however, I never used XXXX for internet services. They have since reported the charge against my credit score XXXX. I sent them a written dispute, but never received follow-up correspondance.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | I was called by XXXX XXXX of XXXX XXXX XXXX in XXXX, he was calling to collect a payday loan from 2011. He was rude and threatening. he said if I did n't pay right away " he was going to haul me in front of a Judge for Defrauding cashcall ''. He also has called both of my sons ( not sure how he got their numbers ) and giving them a hard time about wanting to serve papers to them on me. He also called me at work saying the same thing and saying he did n't want to embarrass me at work but would if I did n't pay immediately. He stopped calling for a week them started the same thing all over. The number he gave me via voice mail to call is XXXX. This was a {$500.00} loan and now he is trying to collect over {$5000.00}. Shortly after I took this loan I became ill with XXXX and have been fighting that the last few years. I am not a criminal as he is saying to me and my sons.
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Company believes it acted appropriately as authorized by contract or law | Nothing has happened yet, but I have 42,000 dollars in private student loan debt. The problem is my social security XXXX check is not enough to pay back the loan. My house note is {$580.00} and my repayment of private loans would be about $ XXXXXXXXa month. My XXXX check is {$XXXX} a month. Other than XXXX, is there any way to solve this problem. I will go into repayment in XXXX 2015
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Company chooses not to provide a public response | Experian has XXXX credit inquiries on my credit report. which is not correct.
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Company chooses not to provide a public response | I would like to express my sense of disgust with these XXXX credit reporting bureaus which abuse the consumers by posting inaccurate and unfounded facts on the reports causing an adverse financial injuries to consumer.
1- These XXXX bureaus have mixed up my social security number with probably my cousins, or other family members and have caused that I have not been able to receive loans with proper rates.
2- The parasitic companies like XXXX, XXXX which thrive on ripping off people have filed that I had late payments or I owe them. I have letters from them that I owe nothing and the information should have not been there. XXXX erroneously had applied my payments to another account causing late recording on my account. They promised to fix it and notify these XXXX disgusting credit report agencies ( Trans/etc. ) to remove the errors. It is still there and with impunity they have kept it there.
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Company chooses not to provide a public response | I filed a chapter XXXX and a civil judgment is still being reported on my file
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Company chooses not to provide a public response | I traded in a car I had financed through XXXX XXXX and the companyI traded it at paid off the loan. I now have a 30 day late on my credit.
I have contacted XXXX XXXX and they suggested I get an attorney.
I have copies of the checks showing when they were mailed and DTheld the checks for XXXX days before depositing them afterXXXX XXXX contacted and asked why they have deposited thepay off check
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Company believes it acted appropriately as authorized by contract or law | Commonwealth Finance keeps trying to destroy my credit for items that were proven to have no longer been my responsibility. As proof, please see the attached documents from XXXX Collections Management Center that show I 've had these items removed from my credit report XXXX before Commonwealth Financial went in and changed the dates so as to fool the system and collect their fees above all else. The items were disputed, removed, then re-inserted without notification. They need to acknowledge these past deletions and leave a XXXX vet alone!
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Company believes it acted appropriately as authorized by contract or law | In reference to case # XXXX and XXXX Commonwealth Financial Systems, Inc continues to telephone me and send me mail regarding the above case numbers.
This time, instead of listing XXXX XXXX as the placer of the so-called debt they now list " XXXX XXXX XXXX. " The same information still obtains. XXXX XXXX XXXX XXXX failed to exercise due diligence in billing the VA in a timely manner ( over 8 months ).
In the above referenced case numbers I was assured the collection efforts would stop pending a decision. That has not happened. They have continued to harasses my wife and send me letters telling me I have 30 days to respond even though I responded back in XXXX.
Please make this stop!
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Company chooses not to provide a public response | Trans Union is blocking my credit report, i have contacted them repeatedly and they refuse to fix that, all they do is transfer me to another representative. i have been calling for over more than a month, so I they 've had plenty of time to contact me. No matter how many times I call they do the same.
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Company chooses not to provide a public response | My name is XXXX XXXX, and I am in foreclosure with The Bank Of New York Mellon.
My loan number is XXXX and the law firm representing the banks file number is XXXX. The law firm is XXXX and their address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX I submitted a XXXX page QWR to the law firm that represents the bank, and I have not received any response. Please look into this for me..
Thank you for your consideration.. XXXX XXXX
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Company chooses not to provide a public response | I am from XXXX and recently moved to United States. I opened Checking & Savings account with Bank of America. I made few online transfers from Savings account to Checking account. After a month i was charged {$18.00} for that.
Based on the fee schedule : It was not mentioned clearly that the transfers within the linked checking and savings accounts are also counted towards the limit of XXXX withdrawal.
Link : https : //www.bankofamerica.com/deposits/resources/personal-schedule-fees.go? request_locale=en-usInitially i was not told about this when account was opened. Later i was told during a chat coversation with Bank agent. After going through the link provided in the bank website, I was under assumption that transfers between linked Savings and Checking accounts shall not count towards the withdrawal limit set for Regular savings account.
Since the wordings were misleading and not so clear, i want the charge to be returned.
Also i was not alerted once i crossed the XXXX withdrawal limit. Bank could have sent me an email/text or whenever i do the XXXX transaction that this could be charged.
So Bank should also include the alerting system for such transactions.
Please resolve the issue and make the arrangement for {$18.00} refund.
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Company chooses not to provide a public response | Sears representatives fraudulently processed a home improvement account in my name. My wife, XXXX XXXX, requested a Sears home improvement account and I provided my driver 's license number as a co-applicant over-the-phone. My wife could n't secure the amount of the home improvements so instead of an account in my wife 's name, it was processed in my name only. XXXX XXXX XXXX told her District Manager in XXXX, LA that my wife signed my name which if my wife did and she did n't that would still be fraud that XXXX XXXX XXXX, a Sears rep, was aware of.
On XX/XX/2015 at my wife 's and my residence in XXXX, LA, I explained to XXXX XXXX XXXX that the home improvements are for my wife 's mom 's house and my wife only has a 20 % interest. I asked that Sears expeditiously complete the work or refund my wife 's money. I have no claim to my mother-in-law 's property and was willing to be a co-applicant if my wife qualified for an account.
When my wife did n't qualify for the Sears home improvement account, Sears did n't ask me in advance if I would be willing to be the sole applicant which I am not willing. I believe I should have been asked before a Sears home improvement account was processed in my name and XXXX jobs were assigned against it.
On or about XX/XX/2015, I asked XXXX at XXXX to cancel my Sears home improvement account. XXXX told me that she closed the account. She said that my wife, XXXX XXXX, should work out alternative payment plans with Sears to receive the windows and doors as well as siding. My wife decided to limit the Sears home improvement to the windows and doors and was instructed by a Sears rep to use my closed Sears home improvement account number XXXX. On XX/XX/2015, the day before the windows and doors were to be installed, the installer thought he was going to do the job on XX/XX/XXXX-XX/XX/2015 but Sears put the job on-hold later that afternoon. Sears reps wanted me to call XXXX and activate the account that I did n't request. I did n't want to activate the account or give validity to it.
We have asked Sears/XXXX for a {$8300.00} refund in full for the windows and doors that Sears home improvement placed on-hold and we want to use an alternate source because of how Sears reps have treated us.
I have asked XXXX at XXXX to receive a copy of the Sears home improvement application that initiated my XXXX account and told her that a Sears rep mistakenly instructed my wife to use this account when making alternate payment plans. We are stuck in a situation where XXXX does n't want to release my wife 's {$8300.00} and Sears does n't want to perform the work all based on a fraudulent Sears home improvement account in my name.
XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, LA XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX
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Company chooses not to provide a public response | The debt collection agency calls me everyday about XXXX times a day. I would like them to stop and send me written correspondence.
The number to this agency is XXXX
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Company chooses not to provide a public response | my Citibank account was a victim of an unauthorized wire transfer for XXXX.citibank has refused to reimburse me.
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Company believes it acted appropriately as authorized by contract or law | I attempted to pay off my student loan with Sallie Mae. During this process I used the system to view the current balance/payoff amount of my loan and checked that option on the payment form. I specifically chose this option and not Last Statement Balance since the statement balance may have possibly been not current. After submitting the proper amount for the current balance/payoff amount the institution billed me for additional expenses. There was no disclaimer or information shared with me that they would process any additional charges and since I selected to pay off the loan it, to my knowledge, payed off the full loan.
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Company chooses not to provide a public response | On XXXX/XXXX/2015, I set-up a payment of {$300.00} using Best Buy 's online payment center to be paid on my credit card 's due date of XXXX/XXXX/2015. On XXXX/XXXX/2015, my checking account showed a debit of {$300.00} deducted from account but when I checked my Best Buy account, I noticed that my balance had not decreased and in fact, it had increased, and that my account was delinquent with the summary page showing that a payment was still due for XXXX XXXX, 2015.
When I checked my Best Buy Account activity, the activity on my account showed a {$25.00} late fee was posted to my account on XXXX/XXXX/2015. I opened a chat session with Best Buy Customer service and the agent kept asking me if I made my payment last night. I told him that I set-up my payment on their online system a week ago on XXXX/XXXX/2015 to be paid on my credit card 's due date of XXXX/XXXX/2015. He kept saying that my payment had not posted and that it takes a couple of days to post. When I provided the payment confirmation number from their website that stated the payment of {$300.00} was posted on XXXX/XXXX/2015, he said that the payment had NOT REALLY posted and when it did, the payment would be applied and the late fee would be reversed.
It makes no sense to require people to make payments on a certain date only to apply a late charge, reflect the account as delinquent, and then have to reverse it ( and me to monitor it ) when they should just really require me pay on the REAL due date of the XXXX or XXXX of the month so the money hits their account on THEIR due date of the XXXX. I would like to know if my credit score is being affected by what are essentially rolling " late pays '' each month because they are delaying posting my payment when I 'm successfully making the payment in THEIR system on THEIR stated due date.
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Company believes complaint is the result of an isolated error | i had a procedure done at XXXX XXXX in XXXX, tn. It was a referral from providence free medical clinic in XXXX. They asssured me I would not be billed. I forgot about it, now months later, I receive a message on my phone to call a # about an acct. #. I call and it is a collection agency from XXXX stating I owe {$180.00}. She stated that they sent me letters to an old address. I never received XXXX phone call from XXXX about this supposed bill. They just sent letters I never got and then sent it to collections without personally talking with me. This is fraud. XXXX medical payed this bill. I was not supposed to be charged. Yet, they did not even have the decency to call me about it and they had my phone #. This is wrong. These hospitals are sending bills to collection after no one responds to a letter, but they are not calling the person, to make sure the address is correct. If I had not had my phone # still operating, this would have went on my credit and it would have been months or years before I knew it. These people at XXXX are evil and they need to be held accountable for fraud. They need to have procedures that make them call an individual before sending to collections.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | I have attended XXXX, XXXX University, XXXX and XXXX colleges since XX/XX/XXXX. I graduated in XX/XX/XXXX with a XXXX 's degree in XXXX XXXX. However, initially I was told through financial aid that i was not able to take more than XXXX XXXX because I did not qualify. After 7 long and tedious years, they told me i could have paid an extra {$500.00} a XXXX and taken XXXX classes instead of XXXX. With this new information, I complained to financial aid and my student coordinator ( which by the way this time i had already gone through about XXXX ). During this time I accrued not only an overwhelming amount of Federal loans because of these predatory practices however, I also had to take out private Genesis lending fans because federal loans covered nothing. Now here I am graduated, with XXXX Genesis loans that equal to about {$1400.00} in monthly payments alone!!! The only job offer I have received is a job that pays {$10.00} an hour from the state which obviously is a no brainer because there is no way to cover these loans on {$10.00} an hour. Please tell me what recourse is available to help me get out of this drowning debt.
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Company chooses not to provide a public response | I have credit monitoring issue due to an issue that occurred in XX/XX/XXXX year when my credit report was accessed by another person in an attempt to open new credit. The fraud alert was renewed a second time from the original date and recently expired in early XX/XX/XXXX. Recently, I called to ask how to remove some inquiries and the Experian rep told me inquiries are statements of fact and can not be removed. As a credit tracker member, they would not transfer me to the disputes department simply for inquiries. They suggested that I review all of my inquiries and then contact your agency for assistance to remove them if they do not belong on my report. When I called, the following were the issues I intended to address : The XXXX inquiry on XX/XX/XXXX. The reps at XXXX represent it is a soft inquiry as well and claim that a hard inquiry never appears on your report. I also have written documentation from the XXXX website that confirms the inquiry should be a soft inquiry. It is noted SEVERAL times on the website and outlined in the FAQs section. I have attached for review, and I am requesting this inquiry be removed since I did not authorize a hard inquiry be performed by XXXX.
I have XXXX other inquiries that should be removed. The XXXX from XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. I do not recognize those as authorized by me, and I believe I already advised Experian about the XXXX XXXX inquiry should have been removed when they removed a few other unauthorized items ( which they did, so this XXXX must have been missed. ) The final inquiry issue is with XXXX XXXX inquiry on XX/XX/XXXX. I contacted XXXX credit on XX/XX/XXXX at XXXX and spoke with XXXX who did confirm that the inquiry is an error. He stated that no Experian credit file was received under my name on XX/XX/XXXX. It must have been a system glitch when I opened my account because he stated they pulled an XXXX file for the basis of my credit decision with them. I told him that I asked the rep in the store and she said only an XXXX file would be pulled and that is the only one I authorized. He again reiterated no Experian file was received so no inquiry should have been registered on my Experian report. He submitted an inquiry removal form to Experian and documented my account accordingly. I am requesting this inquiry be removed.
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Company chooses not to provide a public response | I have received a call from XXXX XXXX XXXX XXXX regarding a payday loan. My SSN # has been compromised and I have filed with the IRS and FTC. This company has threatened to serve me papers at my employment, speak to my supervisor regarding a personal business matter and said if the matter goes to court I will have to pay attorney fees which could be XXXX to XXXX the amount of the loan. She wanted to resolve the outstanding balance of {$400.00} to stop the proceedings. I was never given the memorandum and she told me I 'm lying.
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Company believes it acted appropriately as authorized by contract or law | There are several issues : ( XXXX ) The creditor has reported Balance and Past Due on the account of {$1600.00} every month since XX/XX/XXXX, but it turns out the actual Balance and Past Due amounts were {$2600.00} as of XX/XX/XXXX
( XXXX XXXX The account was charged off in about XX/XX/XXXX, but duplicate charge off codes were reported every month ever since. The duplicate charge of status codes are the reason I was denied a student loan on XX/XX/XXXX ( account looks like it is very recently charged off ), and I believe this qualifies as credit report poisoning.
( XXXX ) I settled the account in full on XX/XX/XXXX. On XX/XX/XXXX I called Pioneer, and they said " And you said you want a paid letter? ", " Okay, I can get it mailed out for you '', and " I 'm going to get it going, you will get it today, okay? '' ( by email ), but I never received the requested Settled-in-Full letter from Pioneer as promised. On XX/XX/XXXX, I have disputed the inaccurate information on my XXXX credit report, and on XX/XX/XXXX, Pioneer has reported all inaccurate information as verified. In particular, on XX/XX/XXXX, Pioneer reported the account as Charged Off ( correct status Settled-in-Full ), Balance Amount {$1600.00} ( old correct balance {$2600.00}, correct balance as of XX/XX/XXXX {$0.00} ), and Amount Past Due {$1600.00} ( old correct amount past due {$2600.00}, correct amount past due as of XX/XX/XXXX {$0.00} ). Thus, Pioneer has explicitly and intentionally provided false information on XX/XX/XXXX in response to my dispute.
( XXXX ) Furthermore, I believe that the account had been closed when it was charged off in about XX/XX/XXXX, but it continues to be reported as open.
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Company believes it acted appropriately as authorized by contract or law | Hi - I would like to add a person to my deed for the condo I own. I called Roundpoint mortgage XXXX times, wrote them XXXX letters, and they refuse to tell me. I would like to know if I add a person to deed, how does that effect the terms of my mortgage. After XXXX calls, they said XXXX owned the loan. After calling XXXX XXXX times, they said they are only the guarantor of the loan, not the owner. They said Roundpoint mortgage has a responsibility to tell me.
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Company chooses not to provide a public response | Foreclosure Proceedings have been set for XXXX XXXX, XXXX and I am trying to prevent this Foreclosure as the bank has not followed through with what we have agreed that I will obtain new Financing to remove them from the note and they will not work with me. Please contact me with what ever you need from me for documentation as I have a substantial amount of information/documentation and can provide whatever you need. I had filed for bankruptcy protection in XXXX of XXXX as the Bank of the West filed for foreclosure at that time. XXXX/my attorney at the time agreed that we should have the case dismissed and this would allow the new bank I currently am working on refinancing ( XXXX XXXX XXXX XXXX XXXX ) ( new Bank ) to remove them from the SBA guaranteed loan. I/we have followed the protocol as outlined by the bankruptcy judge and have continued to make the monthly payments of {$2600.00} of which they mailed XXXX XXXX, XXXX payment back to me stating that they have already filed for foreclosure of XXXX XXXX, XXXX. AgainI have made payments as outlined in the bankruptcy proceedings and have made them prior to the due date. Besides what is listed above XXXX has further requested the following:1. ) XXXX has asked them for all of the Financial back up including what they claim to be in arrearage.
2. ) XXXX has asked to set up payment arrangements once we have received the financial information ( again to no avail ) 3.why would they contact my Investment property owned by me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NH XXXX ) which has a Tenant living there. The tenant whom received a notice to vacate the property prior to the foreclosure sale of XXXX XXXX, XXXX has XXXX young children and is a single mom now has severe XXXX over this. This property deeded to XXXX XXXX XXXX has a lease agreement with the tenant whom was unaware of all of this.
4. ) XXXX/I have asked for a full accounting detail break down of the account since it inception to assure that funds have been properly applied.
5. ) What XXXX has received is very vague and I am not sure how a loan that shows a principle balance of XXXX XXXX round figures ) and a maturity date of XXXX XXXX could now be stated ( according to what vague we got XXXX {$31000.00} how can the loan go up from XXXX to XXXX????
6. ) Does this stop stop the foreclosure process until this matter can get resolved and or the financing can get put in place and remove them?
I do intend on filing with the Consumer Finance Protection BureauRespectfullyXXXX XXXX XXXX
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Company chooses not to provide a public response | On my Experian credit report, it shows that under XXXX XXXX XXXX that I am deceased. Of course I am not, and no other credit card or report shows that I am deceased. Also, when I contacted Experian to dispute this, they said they resolved it but they did not. They changed the XXXX XXXX XXXX to CO in XX/XX/XXXX. This is incorrect. This was charged off in XX/XX/XXXX. Also, they still show that I am dead, which is effecting my ability to get credit. I need this fixed asap.
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Company chooses not to provide a public response | Acct Closed on XXXX/XXXX/09 with XXXX card. Still showing on my Transunion report.
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Company believes it acted appropriately as authorized by contract or law | I was never told directly about this bill that I " owe, '' but instead I found out about the bill when I accessed my credit report. I contacted the Lansing Professional Business Bureau, which is what was indicated on my credit report and they told me that it was " too late '' to send them my XXXX insurance. I have XXXX insurances for this exact reason! When I initially when to the hospital they only took the XXXX insurance card although I handed them XXXX. Then when I call to still give them my secondary insurance, they told me that I could no longer submit it because it was sent to collections. I am never supposed to pay {$500.00} out of pocket for medical bills with both insurances working together. I would like to dispute this medical bill because 1 ) I was never directly informed of the bill 2 ) they informed a debt collector before informing me 3 ) they told me that I could not submit my insurance again, even though I submitted it to them in the first place 4 ) I disputed the medical bill and they did not reach me within the 30 days 5 ) I have called and called and each time I was informed that " nobody could do anything for me. ''
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Company chooses not to provide a public response | On XXXX XXXX, 2015, I sent Experian a dispute regarding a judgement ( ID : XXXX ) that I was notified was showing up on my credit report, however, even through I provided them documentation showing this account was associated to XXXX XXXX XXXX, whereas, I am XXXX XXXX XXXX, Experian refuses to remove the judgement not associated to me. The judgement is question is assciate to my son not me.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | I owe XXXX School of XXXX XXXX {$2700.00}. The collection agency, Partners Financial Services Inc. of XXXX, they have chosen to partner with is charging me {$2300.00} ( almost XXXX ) simply for it being in collections. They have clearly stated that the charge is 0 % interest. I have been a student since I left XXXX School and could n't pay them the amount due. I was never notified that I was going to be charged such a large amount or that it was going into collections. I believe Partners Financial Services Inc. is charging me for the amount XXXX owes them for collections and is putting it in my account. I do not feel as though I owe Partners Financial Services Inc {$2300.00}. This collections agency is charging me unreasonably and unfairly.
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Company chooses not to provide a public response | customer service associate was horribly rude.
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Company believes it acted appropriately as authorized by contract or law | World Finance who I got a loan from showed up on my job to deliver a letter not XXXX but XXXX. How do I handle this
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Company believes it acted appropriately as authorized by contract or law | XXXX/XXXX/XX/XX/2015 I was contacted by a collection agency stating that I owe {$2900.00} to an online university. I stated that the claim was erroneous as I had applied for and to my knowledge received financial aid. I asked what the debt was for. They stated it was because I did not withdraw from my classes per the contract. They stated they had exhausted all efforts to contact me. I stated that this was the XXXX I had heard of this alleged debt. Collection agent stated that they had been contacting me at ( telephone number that did not belong to me ). Agent read off the telephone number. I stated that was not my telephone number. Agent stated that that was the information provided to her. On XXXX/XXXX/XX/XX/<YYYY> after having made contact with me and after I had advised the telephone number they had been calling was not mine, a collection agent from this agency again called the telephone number not belonging to me, it belongs to my mother, and left a phone message discussing the alleged debt on my mother 's answering machine. This same day this same agent left the same message on my answering machine and implied a threat that if I did not call them back by XXXX on XXXX/XXXX/XX/XX/2015 that my file would be moved to final determination and that " seriously, this is something you do n't want to happen ''. Previously, when I asked the collection agent to validate the debt, they threatened that if I request the validation of debt that I would not be able to work out any type of settlement, that all chances of working out a settlement at a reduced amount would be off the table. As I was trying to reason with this collection agent, she continued to yell and talk over me and stated " I 'm not playing your games, I 'm going to submit paperwork to garnish your wages ''. On XXXX/XXXXXX/XX/<YYYY> I contacted the original creditor, spoke to XXXX. of the university and advised that the collection agency was very abusive and illegally trying to collect on a debt. I stated that I wanted to work directly with the university to resolve this matter. XXXX. stated he would speak to Mgmt to pull my file from the collection agency. I contacted the collection agency to advise them of this. The agent with an exasperated tone asked why and " Are you going to resolve this? '' I stated I am resolving this as quickly as possible. XXXX. of the university emailed me XXXX/XXXX/XX/XX/2015 stating that he was speaking with the collection agency and would be back in contact with me after hearing from the collection agency. Received a call XXXX/XXXX/XX/XX/2015 from the collection agency again. I did not answer.
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Company chooses not to provide a public response | On XXXX, XXXX XXXX, 2015, I was reviewing my Suntrust checking account online and noticed a pending XXXX charge in the amount of {$560.00}. I immediately contacted the Suntrust Fraud Department to dispute the charge. On XXXX, XXXX XXXX, 2015, I went into a branch and completed paperwork to stop payment on the charge. The paperwork was processed and the {$36.00} stop-payment fee was drafted from my account. The {$560.00} charge was still in pending status therefore the funds had not been issued to XXXX. However, Suntrust allowed XXXX to draft the funds from my account. I submitted the required form to the Fraud department disputing the charge on XXXX XXXX, 2015, which I can fax to you if needed. Days later, I received the attached letter advising me the charges were valid. I asked Suntrust to provide me with the documentation they used to make their determination on XXXX separate occasions. They have not provided it. I do not have an account with XXXX nor have I had a contract with them. I want the {$560.00} returned to my account.
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Company chooses not to provide a public response | Credit bureau Collection Associates XXXX XXXX reported misinformation on a bill.
The actual amount, that were paid, the actual amount of the bill, etc.
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Company believes it acted appropriately as authorized by contract or law | I had a payment plan on medical bills owed starting XXXX they stated they have several other accounts linked to me for a total of little over {$3200.00}. I at that time set up payment plan on the account to pay {$150.00} every 2 weeks on Debit card which started in XXXX & continued thru XXXX in which my card had expired I then called & spoke to XXXX asked for my balance @ the time & my balance had increased to a little over {$3400.00}, I asked how it increased paying {$300.00} a months she said the intrest is 1 % per account & I have XXXX accounts with them, I advised her I did not have XXXX accounts @ that time I advised I was willing to make payment arrangements but I want a individualized billing if charging fee 1 % per account she refused I asked for manager she refused sd XXXX was not availabe asked for a mgr to call me back I never received a call back I also never received individual billing either I on XXXX received a notice that if I do not arange payment they will forward to litigation, on XX/XX/XXXX I called spoke with XXXX XXXX I asked for exact date of speaking with prior rep XXXX on the account in XXXX or XXXX she said no record of speaking to me around that XXXX & nothing for conversation she completly disregarded my questions & concerns & advised me now that my balance is {$3500.00} I again tried to advise XXXX XXXX of my concerns she refused individual billing that is not how they do things thier I advised to speak to mgr I spoke to XXXX XXXX who stated was a manager I again asked for individual billing advised her they are linking incorrect & over charging she to refused to listed to what I was trying to explain to her & said that I was cutting her off from answering my questions said they ony submit XXXX bill with a list of providers & intrest is billed per account. I again advised her willing to make payments on the account when I get a individual billing for each account they state they have in their office she refused she stated I was over talking her so she could not answer my questions she said is forwarding to littigation they cant wait forever for payment on account.I have been denied a individual billing of accounts they state they have listed in their office ( that come over individually ) even after I had been paying them {$300.00} plus a month my debt the state I owe increased not decreased
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Company disputes the facts presented in the complaint | I applied for employment with the XXXX XXXX company and was offered a position. They conducted a background check and credit report, which I agreed to. The company that provided the report is GIS. The only thing that showed up on that report was a criminal charge that was in public record. I have not been convicted of anything, as this is still an ongoing case. I spoke to the manager at the XXXX XXXX location that I was offered the position at and they informed me that, due to that charge showing up on that report, they were retracting their offer for employment. I contacted GIS to discuss this matter and they told me as long as it is public record they can report anything, regardless of conviction status. Also, the arrest date in the report is incorrect. I have been completely honest with XXXX XXXX throughout the entire hiring process. I disclosed all charges that I had been convicted of, which is all that was legally required of me according to my attorney. This report essentially makes me appear dishonest. Also, in the section on the report titled " Social Security Validation and Death Master Index Check '', the company reported that my Social Security number was issued between XXXX and XXXX. It was actually issued in XXXX. This report is riddled with inaccuracies and I consider it detrimental to my future employment opportunities with XXXX XXXX or any company that uses GIS for credit/background reporting. I have a child on the way soon. I can not afford for this type of mistake to hinder my financial future.
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Company chooses not to provide a public response | I XXXX XXXX of XXXX XXXX XXXX XXXX recently purchased a XX/XX/XXXX XXXX sel and took out a used car loanmy previous car loan was through XXXX bank of massachusetts for {$280.00} per monthand I was never informed previously that my loan was sold to branch banking and trust company XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX texas XXXX never received a phone call or letter from XXXX Bank telling me my auto loan was soldmy new loan payments start as of XX/XX/XXXX with XXXX Bank XXXX XXXX Ma. the payments will be {$360.00} per month and I am on a fixed income from social security and XXXX I only receive {$1500.00} per month and I can pay the new loan but I ca n't pay the other loan payment.I would like this resolved as soon as possible before my new payments startI think this is a scam or fraud and it should be investigated by the consumer protection agencyI will not be scamed or have my assets be taken from meRegardsXXXX XXXX
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Company chooses not to provide a public response | I had identity theft. It was over XXXX worth on XXXX cards. From the target data breech. I am in my seventys and always had a perfect credit score. Over XXXX. Well. The creditor which was XXXX XXXX and XXXX XXXX both agreed it was fraud. Along with all three credit beuras. ( Agreed it was fraud ). Well they dropped them off my credit report. So now my credit report shows perfect credit. Not my score. It is XXXX. I 'm trying to purchase a home. I ca n't with this score. The fraud was 100 % not my fault. So they need to change my score back to at least high XXXX. Thank you.
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Company believes it acted appropriately as authorized by contract or law | I continue to get phone calls from a company Allied Interstate , LLC. They claim I have a debt from a XXXX Credit Card from 1998 which is in my maiden name. The debt totals {$1400.00}. I called XXXX and this debt does not exist.
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Company chooses not to provide a public response | Closed Account with XXXX XXXX acct # XXXX on XXXX/XXXX/07
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Company believes it acted appropriately as authorized by contract or law | This number keeps calling me but never leave any messages on who they are or what the call is about.
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Company disputes the facts presented in the complaint | Peaks is unwilling to help me with my XXXX XXXX loan being unemployed and unable to make payments on my loan. They charged me {$60.00} in fees to bring me up to date but after refused to work with me any further demanding I pay. I have sent emails that have gone unanswered and receive phone calls that just ask me for money. I have exhausted my 6 month grace period not having a job. They know I am unemployed and currently unable to pay them back. Their lack of help will lead me to default and financial ruin for years to come.
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Company chooses not to provide a public response | An account was paid off in 2011. Collection agency that had the account ( XXXX ) has now sent all XXXX credit bureau 's XXXX letters stating that the account is paid in full but none of none of the credit bureau 's will mark it as paid. I have now opened XXXX investigations with no change from credit bureau. I need this resolved so it can quit negatively affecting my credit.
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Company believes it acted appropriately as authorized by contract or law | Hello, This Complaint is in reference to NationStar Mortgage in Texas and Aurora Loans { bought by NationStar }.
I am stuck in a Financial Situation where I can not move forward with obtaining any type of Mortgage because by Debt Ratio is 97 % against a Property I no longer own or Reside in, but my X-Wfie still resides in. Because of a Court Ordered Decision Involving a Divorce Settlement in XXXX, I was forced to sign a Pro-Quit Claim Deed assigning ownership to my X-Wife. I insisted that since we could not refinance the property { XXXX prior attempts }, that my name would not be removed from the Mortgage at that time Aurora Mortgage. My X-wife mentioned to the Judge that a Loan Modification could be performed so she could make affordable payments to stay in the Home. The only Issue I had with that is even if the mortgage was modified to a lower payment, my name would not be removed from the Mortgage.
Well, the Divorce proceeded, and after months of paying my x-Wife additional court order spousal support to maintain payments on the home until the payments were modified ( 10 months later ... ). But when i went to check a few months after it was modified, my name was still on the Mortgage. I called Aurora, and they said the mortgage was bought by NationStar. Then NationStar sent me a letter after I inquired about it, that they could not remove my name from the Mortgage unless i refinanced the Loan. I explained to them I no longer have ownership of the Home, due to the quit-claim-deed. This time frame was XXXX.
After a few years of hoping my x-Wife would be reasonable and refinance the home under her own name, there still exists the same result as back in XXXX. She is either unwilling or unable to refinance the home, her payments are affordable but my name is still on the Mortgage.
I have struggled financially since XXXX, unable to buy a decent Car, and unable to get approved for any type of Mortgage because my debt ratio is 97 %. The difference now is that in XXXX I got married and have a larger family.
I believe this is Legally and Morally unfair to me and my new Family as I can not provide for them any type of Home, due to a mortgage that is sitting on my Credit Reports at 97 %, and again a property I do not own according to the County Reporters office, but only on NationStar Mortgage 's books. I have made multiple attemps this year with NationStar Mortgage, with Phone Calls and Emails, but unable to speak to a True Manager there.
This situation is Fincially hopeless, unless my name is Removed from NationStar 's mortgage. I can then move on with my Life Financially for my new Family.
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Company believes it acted appropriately as authorized by contract or law | When paying a XXXX invoice of XXXX, I wanted to determine if I would be charged in USD before I used my XXXX XXXX card, so as to avoid foreign transaction fees. Otherwise, I would use a different credit card that does not charge such fees. I called PayPal on XXXX/XXXX/15 at XXXX Eastern Daylight Time and was repeatedly assured during a 14-minute phone call I would be charged in USD. I transacted the payment at XXXX EDT on that date. I was charged in XXXX, and XXXX XXXX added a foreign transaction fee of {$84.00}. When I called PayPal back on XXXX/XXXX/15 at XXXX EDT, I spoke to supervisor XXXX, who informed me that the only action available is to ask the merchant to refund the money. After disputing the charge with XXXX XXXX ( to no avail because this disputed the charge with the merchant directly, which is not what I need ), I attempted to communicate with PayPal again about this issue. I spoke to another representative who told me he would open an investigation and listen to the phone call in question to confirm that the conversation in question did in fact include the assurance that I would be charged in USD. He told me I would hear back in a couple of days. I never heard back, and a week later called back, and another representative told me again that they would investigate the matter, and that they saw no evidence of such a request on my profile. Again, I never heard back. I called back again on XXXX/XXXX/15 at XXXX EDT, and spoke to another representative for 15 minutes who was rather difficult and rude and stalled my request to speak to a supervisor. After I insisted to speak to a supervisor, I was put on hold for 30 minutes before hanging up and calling back at XXXX EDT, asking to speak to a supervisor immediately. I spoke to supervisor XXXX, who told me she would send a request to an office to have a payment credited to my account to offset the fee of {$84.00}, and to call back to check on the status of the request. I called back the next day, XXXX/XXXX/15 at XXXX EDT, and the response was that I would have to deal with this through XXXX XXXX, since it was a fee charged by XXXX XXXX. Of course, XXXX XXXX is in no way responsible for this issue - PayPal is, because PayPal gave me wrong information that resulted in my being charged the foreign transaction fee. After nearly a month of being forestalled and disrespected by PayPal in this matter, I decided to file a complaint with the Consumer Financial Protection Bureau.
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Company believes it acted appropriately as authorized by contract or law | American Collection Services has continuously contacted me attempting to get a hold of my mother. My mother called while I was on the phone. XXXX the debt collector disclosed all of the my personal information to my mother without my permission. Once he knew that I was on the phone, he then asked for me to talk to my mom about the accounts. After the account information was disclosed, I then tried to set up a payment plan where I could send in the payments or call them in each month. XXXX then refused saying that I needed to set up the payments with my checking information or a debit card/credit card. Told him that I was uncomfortable with the situation. He then said that we can not come to an agreement and that he would proceed with collection efforts. I attempted to set up a payment plan but now I might be getting sued because I do not feel comfortable giving my information over the phone. He also violated my rights in reference to the FDCPA by disclosing my personal information with my Mother, XXXX XXXX without my permission.
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Company chooses not to provide a public response | I have disputed this item with Experian for 6mos now and they will not remove it. I have filed an identity theft report and sent the information to them and they have not removed the item. The item is XXXX. I disputed the same item with XXXX, and XXXX has removed the item from my credit report. I would like for Experian to remove this item as it does not belong to me nor has it ever have. A copy of my identity theft report will be attached
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Company chooses not to provide a public response | On XXXX XXXX we did a wire transfer to a beneficiary we 've known for a long time, using the wire transfer services from Bank of America. This was not the first time we wired the same company. We have for many times sent money from the SAME ACCOUNT and TO THE SAME ADDRESSEE. And at all times except this XXXX our supplier got the money with no major issues. This time the money was NEVER received and Bank of America says that there is nothing they can do if the other part did not get the money. They suggest me to contact the intermediary bank! HOw come? Is with Bank of America I deal with! This is at Bank of America I deposit our money and " trust ''. How come they CAN NOT BE HELD RESPONSIBLE for a wire transfer service if they charge to do it???
This is the information on the XXXX : XXXX XXXX : XXXX XXXX, XXXXAccount Manager XXXX XXXX XXXX XXXX Number for XXXX XXXX Number I received XXXX from Customer Service @ Bank of America XXXX XXXX XXXX XXXX XXXX - Ext XXXX email is XXXXXXXXXXXX and my ph number is XXXX
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Company chooses not to provide a public response | I have sent numerous Qualified Written Requests to Bank of America on behalf of a client of mine. They have never acknowledged receipt of the letters, nor provided the information I requested. I have sent these letters to the correct address : Bank of America , N.A .
Customer Service CorrespondenceXXXX XXXX XXXX XXXX, CAI have also asked for simple information. I seek only to know the identity of the investor or owner of the loan, and contact info for that person or entity.
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Company believes it acted appropriately as authorized by contract or law | My previous place of residence never notified me of an outstanding balance I had with them by phone, mail or in person. When I moved out and turned my keys in to my landlord he told me everything was taken care of and never once did he mention anything about still owing the apartment {$400.00}. I was n't aware of any outstanding balance with my previous landlord until 6 months after I moved out when I received a letter in the mail from a collections agency telling me they were processing this account to be placed on my credit history. I tried contacting the apartment manager to discuss what this {$400.00} fe was for and was unable to reach him. I still do n't know why I owe this amount and never did i recieve my deposit back either. If I am unaware that I owe any amount of money and never notified what the fee was for how can I pay it before it goes to collections and ruins my credit preventing me from renting or finding residence anywhere else.
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Company believes the complaint is the result of a misunderstanding | this parasitic company is trying to collect debts, from family members, that DO NOT exist. They are praying on people that have recently had a death in their family and telling the survivors that the dead owe them money. This company and EVERYONE that works for them is XXXX
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Company chooses not to provide a public response | On XXXX, I deposited XXXX XXXX party checks ( {$4400.00} and {$1800.00} ) into my Bank of America Savings account via ATM in XXXX, NY that was signed over to me by my father, XXXX XXXX. The next day, the amount was reversed out of my account. I contacted BoA and was told that they do not honor XXXX party checks. I was told that the original or legal substitute copies would be returned to me via mail within XXXX to XXXX business days.
I spent XXXX weeks in NY caring for my father, who was hospitalized because of a XXXX XXXX and XXXX. Upon my return home to XXXX there were no checks from Bank of America. I waited another week to contact them regarding the checks. I went online to the banking center and was told to go into the branch. I went into my local branch and was told that they could not assist me that I had to contact the XXXX number.
I called the XXXX on XXXX XXXX, spoke with a supervisor, and explained what happened and what was needed. He put in a request for the original copies or legal copies to be mailed out to me. About XXXX weeks later, I received photo copies of the checks. I contacted customer service again and explained that I received photo copies and not legal copies. At XXXX point, the representative tried to tell me that the photo copies were legal copies until I told her that the letter stated that they were photo copies and that there was no legal verbiage on the checks, indicating that they were legal copies.
My complaint was escalated to have the legal substitute copies mailed out to me asap. I received a call the next day to contact customer service ( escalation department ) because they needed additional information. When I contact them, they inquired if I could have the original vendor stop payment on the checks and reissue them. I told them that that was not an option since the original checks were issued to my father who, was not in any condition to handle any business affairs. A second request was put in for the substitute legal copies of the XXXX checks.
On XXXX, I received photo copies of the checks again. I contacted the escalation center for BoA where I was told that they could not produce the original checks or legal copies of the check. I was told that they use a third party company and that each time the request was put in, it was denied, but there was no explanation. I told the representative that I have no way of having these checks reissued and that I could not eat {$6300.00} because their XXXX party vendor could not produce checks, that were supposed to be sent to me within 10 days of deposit. The request was escalated to find out why the third party that produces the legal checks could not issue them.
I no longer have trust in Bank of America. It is now two months later, I have been given so much misinformation and they will not return over 6K worth of checks to me, as their policy states. I understand that they will not honor third party checks, however, return the legal copies ( or original copy ) to me and allow me to have another bank honor them. I need some assistance in getting these checks back to me.
Below are reference numbers for my case throughout this XXXX month XXXX - XXXX XXXX - XXXX XXXX - request to find out why the XXXX party vendor will not send legal copies of the checks
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Company chooses not to provide a public response | In XX/XX/XXXX we applied for a loan modification due to my husband 's unemployment and he had to have XXXX. US bank waited until XX/XX/XXXX to finally get back to us with less than a week for us to respond to their offer. The offer was reduced payments starting XX/XX/XXXX, but now husband is back to work and we do n't qualify for that. We tried several attempts to contact them. The woman that we are supposed to be talking to finally call us back and said she would fax a new form for us to apply for, but we have n't got. The deadline in XX/XX/XXXX We are willing to pay our mortgage, but we need help for the past months that we did n't have the income to pay it. It feels like they are playing games with us and setting us up to fail.
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Company chooses not to provide a public response | Acct From Barclays Bank ending # XXXX Closed on XXXX/XXXX/14.
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Company chooses not to provide a public response | I have a payment plan with Rausch, Sturm, Israel, Emerson & Hornik Llc.
By law I requested a letter with the information of how many payments I have left. I requested for that letter alnostv2 weeks ago and I never got it.
I called em yesterday and asked bout it and the guy I talked to told me to call 1/2 hour later which I did. once I asked bout it again the guy hang up on me. I called XXXX or XXXX tines more without any luck finally I ended up talking to a different person who asked me for some information and told me he will get somebody to call me but nobody did.
I called this morning again and after several calls in which I was left waiting until they hang up on me every time I finally talked to a guy whose namevas XXXX.
He asked me for the same information the other guy asked and promised me to send me an email with the info I requested but he never sent me the email and by law if I requested the info bout how many payments left I have they have to provide it but they never did.
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Company chooses not to provide a public response | My current servicer is charging high fees to make mortgage within the grace period and the more days passed within the XXXX days grace period the more the fees are. Why have a grace period when you tacking on fees to take the payment and these are not late fees.
They are not sending me my monthly mortgage statements and I do not have access to them online as they locked out my and many other accounts. I have not seen my monthly mortgage statement in months and have send emails requesting this and no one has gotten back to me. This is a big violation.
I made my most recent trial payment since XXXX XXXX that was mailed directly out of my bank account and they can not seems to locate it.
So no mortgage statement, no confirmation of payments and fees being charged for making payments within the grace period
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Company chooses not to provide a public response | This is the XXXX time this credit bureau has deth. report under my name and not belong to me. At some point someone is not doing their job properly. XXXX this credit bureau do not have someone available to talk to. there is a bill for {$1.00} listed under my credit report and not belong to me. no one is available to talk with customer at this credit bureau. They provide a number where they ca n't be reached.
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Company chooses not to provide a public response | Forced to payoff my wife 's debts on my XXXX credit card. Debt turned over to a collection agency where a plan was established for them to debit my checking account on the XXXX of each month for {$750.00}. After XXXX or six months without missing a payment, I found I was n't going to have enough money to afford the XXXX XXXX payment. When the agency attempted the debit on XXXX XXXX, sure enough there were insufficient funds. My account was charged a {$35.00} ISF fee. Unbeknownst to me, they attempted another debit on XXXX/XXXX/15 with the same results - another {$35.00} ISF fee. I then made a phone call to Gatestone that same day requesting no more attempts to be made that month because of the ISF charges. " My '' account rep ( who is no doubt paid a commission on her collections ) got on the call and was being very pushy and incredulous that I could n't make the payment, asking if I had " any '' money. I told her the little money I had coming in over the next few days was to pay my XXXX rent. She then asked if I would have any left over. I told her no. She then lied by telling me that the payment due on XXXX XXXX was going to be " 30 days past due '' if I did n't make a payment by XXXX XXXX. Of course that was n't true. A payment due on XXXX XXXX is n't 30 days past due until XXXX XXXX. I challenged her on it. She did n't back down - continuing to lie about the payment being 30 days past due on XXXX XXXX, only six days after the due date of XXXX XXXX.
On Monday morning, XXXX XXXX, my anticipated additional funds to pay rent with arrived into my checking account. Knowing I was expecting additional money coming in for those purposes, she re-debited my account immediately following the deposit of my funds for rent and grabbed her {$750.00} payment.
I 've now giver her three days to return the money back into my account if somehow taking the money was a system mistake. She is aware of my circumstances and the purpose for that money because I had made it clear in our phone conversation. She obviously is abstaining from returning the money in conscious disregard to my higher need to pay rent. Unbelievable, especially on top of her knowingly lying to me about being 30 days past due to induce my action. Fraud.
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Company chooses not to provide a public response | I have received repeated LOUD automated messages from XXXX for a person I do not know ( XXXX XXXX ). I have had my cell # for over XXXX years. My name is not XXXX XXXX! I contacted the rude male from the XXXX # about their mistake and he hung up on me. I tried to call the number in the message too ( XXXX ) but I get an error saying invalid # or code. How can I get them to stop harassing me? I do n't owe any outstanding debts. They have the wrong number!
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Company chooses not to provide a public response | From XXXX XXXX, 2015 to XXXX XXXX, my group used XXXX rooms of a hotel in my name.
On XXXX XXXX XXXX XXXX, I checked out.
On XXXX XXXX, I checked through my credit card statement that on XXXX XXXX, the hotel charged {$200.00} over my credit card as a penalty. The reason was we XXXX in the no XXXX room.
The hotel charged the penalty on XXXX XXXX, not XXXX, 1 day later we checked out.
If the hotel claims that they checked the room on XXXX, at the day we checked out, this means the hotel kept my credit card information without my permission even after my check out.
The hotel should have charged the penalty on the " XXXX '' not to violate the Laws of Payment Card Industry Data Security Standard. Therefore, I request the full refund of {$200.00} from the hotel.
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Company chooses not to provide a public response | In XXXX XXXX, I negotiated a full settlement of my credit card account with XXXX Bank XXXX for less than the full balance. XXXX informed me and confirmed in writing that my credit report would show no delinquency, but would only state, " Legally paid in full for less than total balance ''. In XXXX, I received my credit report and the XXXX credit card was shown as a delinquency. I called XXXX and they removed this inaccurate information. Nevertheless, in XXXX XXXX, I received a new copy of my credit report and XXXX again showed up as a " Negative '' account and showed a delinquency.
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Company chooses not to provide a public response | I pulled my credit report on XXXX/XXXX/15. I immediately noticed that the fraud statement had an old phone number listed in both my report and my husband 's. I reported this XXXX years ago and have continuously contacted all XXXX credit reporting agencies in the past regarding the issue. I tried to dispute online, but could not as the message on Experian 's website says that you have to call to dispute the fraud statement. So I called the following day. An agent with a XXXX told me to dispute online. I reiterated what the web says and that there is no " dispute '' button. He gave me the following site : XXXX. No such link exists. He then claimed that he was deleting my phone numbers. I told him not to delete all my phone numbers, only the incorrect XXXX. About a week later, I received a letter from Experian that, as requested, they had deleted all my phone numbers. I went online again to check my report. No changes have been made and the incorrect phone number is still on the site. I have not had a chance to call back as the office is only open from XXXX, and I do not want to continue going through this ridiculous routine with Experian not changing incorrect information. They 've had 6 years to make XXXX change.
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Company believes it acted appropriately as authorized by contract or law | Common wealth financial systems reported on all XXXX of my credit reports on XXXX and changed the status to " collection '' on XXXX/XXXX/XXXX. This debit was discharged XXXX XXXX in chapter XXXX bankruptcy. I contacted Common wealth financial systems at XXXX spoke with the supervisor XXXX XXXX and he stated to me " this is not common wealth 's problem because they have this debit reported as in collections as of XXXX XXXX '' He was informed the debit was discharged in chapter XXXX in XXXX XXXX and he stated " Common wealth does not investigate this and as of XXXX XXXX it is a collection that is due ''. What can i do about this stuff being reported to my credit. I have submitted packages to XXXX, XXXX and XXXX in XXXX XXXX to dispute the XXXX XXXX acct placed on my credit and Common wealth updated the status on XXXX/XXXX/XXXX to " collections '' I have been denied credit since XXXX XXXX and most recent XXXX XXXX reporting.
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Company chooses not to provide a public response | The monthly amount due on my credit card is inconsistent. My monthly statement gives XXXX amount. The online banking alert of credit card payment due ( an email from them ) gives a different amount. I 've contacted them several times to correct this, but the problem still remains. The final straw was this evening when I called again, and politely but pointedly asked for some action to be taken. I was transferred to another department which had already closed for the day. A horrible way to treat a customer.
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Company chooses not to provide a public response | Dear CFPB, I contacted Bank of America to close out my health savings account on XXXX XXXX, 2015. Bank of America advised me that the account would be closed and I would receive a refund check for the funds that were in the account. I received a check from BOA in the amount of {$570.00}. On XXXX XXXX, 2015 I deposited the check BOA owed me to my XXXX bank account. On XXXX XXXX, 2015 to my horrific surprise BOA reversed the check causing my bank account to be overdrafed and causing financial harm. I contacted BOA directly to find out why they took my money on XXXX XXXX and the response I received was, " We are sorry the check was reversed, we have been advised by other consumers of the same issue and we are working to escalate to find out why this happened and will contact you the latest Friday XXXX XXXX. '' Not only was BOA not helpful, they did n't not return my funds. Due to their incompetence, I now have to pay a reverse checking fee and overdraft fee. This is unacceptable and unethical what BOA has done to me. I am a hard working single woman who should not be penalized due to BOA terrible mistake. The worst thing about the entire situation is that they could not tell me why they took my money they owe me. I hereby demand that the {$570.00} be returned to my account immediately along with the {$22.00} for reverse check and overdraft fee I now have to pay. BOA has not only violated UDAAP laws, they have also caused stress and financial issues on my part for what they did.
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Company chooses not to provide a public response | I was a student at University of XXXX and received a loan in XXXX when I completed my education and it came time to pay I deferred my loans because I was having difficulty but citibank would not defer so the account ended up being charged off. I tried to call and make arrangments because on my credit report they say I am charged off but they are still charging a past due fee of about XXXX every month on my account. The representative on the phone says the company does not accept payments anymore but the account is still theres and they can charge because I havent made any payments to them, and they havent for a long time they contract out and gave me the number to a collection agency. Now I went on the website and you can make payments but it says I dont have any active or full disbursed loans, so how am I still getting charged for an inactive account that they will not accept any payment for?
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Company chooses not to provide a public response | I would like to submit a complaint against Bank of the West for how they process checking account transactions. I had a debit card transaction of XXXX that was pending over a weekend my account at that time had the funds. Then on Monday an individual cashed a check that I gave them in the amount of XXXX. On Monday night there was a XXXX in my account plus a deposit I made at an atm machine in amount of XXXX but was n't until after business hours. On Tuesday the bank charges me XXXX overdraft fees they processed the check first which was the higher amount which put me at a negative balance then processed the debit transaction after that causing XXXX over draft. My complaint is the debit card was sitting on pending way before a check was even processed but yet the higher amount transaction got processed first. When I asked my bank they told me that they determine which is more important and process that first. I asked them how they determine which one is more important and I was told by bank manager that they go by the higher amount in determining which one is more important. What even give them this right to determine which is more important of a transaction and if this was the case why was n't the check cashed before all my other transactions that were pending over the weekend which were all much lower then the check amount of XXXX. I will not argue against having XXXX over draft fee but I am furious that they could arrange the order of my transactions being processed. To me what ever gets posted to your account first should be processed first not whether or not a branch manager thinks XXXX transaction is more important then another transaction.
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Company can't verify or dispute the facts in the complaint | I received phone calls approximately XXXX months ago about a delinquent payday loan. I never took out this payday loan and the money the company said was deposited in my checking account never was so the debt is completely false. Now I have Aargon Collection Agency out of XXXX XXXX, Nevada trying to collect this same debt and providing no debt verification even though I can prove through bank records that the payday loan was never applied for or received.
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Company chooses not to provide a public response | After XXXX attempts to consummate a short sale for this property, for XXXX reason or another Bank of America was unable to proceed. After finally figuring out that BofA did not want a short sale, I quickly applied for the deed-in-lieu program. The investor, XXXX, has approved the deed -in-lieu but BofA has declined the process. The sale date is scheduled for XXXX/XXXX/2015. I have called as many agencies as I could to stop the foreclosure so we could consummate the XXXX. I have also filed a pro se motion with the court to postpone the sale date to give ample time to finish the XXXX. All paperwork is in and XXXX is willing but the servicer is unwilling to co-operate. What is my next step?.
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Company chooses not to provide a public response | My x-boss got in to my wallet and got my XXXX card issued by bank of america and used it for XXXX times, when I contact bank of america 's customer service they told me that they CAN NOT do anything about it! because I knew who did those unauthorized transactions " my x-boss '' and because we had ( my x-boss and I ) an agreement to pay off the balance, so it is my responsibility to fix that even if he ( my x-boss ) did those unauthorized transactions by phone paying a bill to XXXX XXXX, still bank of america CAN NOT do nothing about that, in other hand, if you have a boss and you do have a credit card issued by bank of america, you should cancel that card ASAP, or if you have a card issued by bank of america and you have ( friend, relative, coworkers or any human you know on this planet ) you should cancel your card ASAP, because you are responsible for any unauthorized transactions made by them.
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Company chooses not to provide a public response | I made a wire transfer through Citibank to XXXX in the amount of {$18000.00} in order to purchase a land in XXXX on XXXX. It took almost 1 month and the fund was never received by the beneficiary. I got answers that the transfer takes up to 5 day,10 days, and 20 days ... every time I called. Citibank is supposed to contact me if there is anything wrong but they never did and instead, I contacted Citibank almost every week since the transfer was made. Citibank promised me that I will get full refund and fee if the transfer is not made. So the last time that I called them was on XXXX. XXXX, XX/XX/2015 and I was told that the fund was returned because the account number that I provided was not correct. I also contacted the bank in XXXX to check all information and all information is correct including the account number. I would like to get my full refund and the processing fee as they promised since my time has been wasted and I will not trust them again. The problem is that Citibank told me that they will refund me with the current rate and without the fee which means I will lose money. This does n't make sense at all! Citibank kept telling me different answers and changing their minds which is not right. I highly doubt that if they ever transferred the fund. I ca n't pay for this because I provided correct information. In addition, I could always modify the information if there is anything wrong. I really need my full refund because Citibank failed to transfer my money. I 'm providing information regarding to this issue below.
Source Account : XXXX ( Checking ) US Dollar Amount : $ XXXX : XXXX XXXX XXXX Account : XXXX : XXXX XXXX XXXX XXXX : XXXX Number : XXXXCitibank Reference Number : XXXXTrace Number : XXXX up by : XXXX XXXX XXXX XXXX XXXX XXXX My name has been changed to XXXX XXXX and XXXX XXXX XXXX my previous name
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Company chooses not to provide a public response | I HAD AN ACCOUNT WITH BANK OF AMERICA FOR A COUPLE OF MONTHS BACK IN XX/XX/XXXX. XXXX DAY MY WALLET WAS STOLEN/MISPLACED AND I HAD ALL MY INFORMATION IN IT, SOMEHOW DURING SOMEONE TOOK MY CARD AND DEPOSITED FRAUDULENT CHECK INTO MY ACCOUNT. AT THE TIME I DID N'T KNOW THAT MY WALLET WAS STOLEN. LATER ON THAT EVENING I FOUND THAT MY WALLET WAS MISSING, I CALLED THE BANK AND TOLD THEM TO CANCEL THE CARD. A FEW DAYS LATER I PUT IN A CLAIM FOR THE CHARGES THAT WAS PUT INTO MY ACCOUNT BECAUSE BOA TOLD ME THAT THE CHECKS CAME BACK AS FRAUD AND IT WILL BE APPLIED TO MY ACCOUNT. I FILED A CLAIM XXXX AND I WAS DENIED, BECAUSE I HAD MY PERSONAL INFORMATION IN MY WALLET AND I WAS NEGLIGENCE ABOUT MY PRIVATE INFORMATION. ABOUT A YEAR LATER ( XX/XX/XXXX ), I WANTED TO OPEN A BANK ACCOUNT WITH A SPECIFIC BANK, AND I GOT DENIED FOR IT BECAUSE " BANK OF AMERICA DING ME FOR SUSPICIOUS OF FRAUD ACTIVITY ''. I WAS TOTALLY CONFUSED ABOUT IT BECAUSE I WAS NEVER TOLD I HAD TO PAY ANYTHING, NOR DID ANYONE CALLED ME SINCE THE CLAIM WAS DENIED ABOUT PAYMENT PLANS TO PAY BACK FROM THE FRAUDULENT CHECKS. SO I WENT AROUND TO OTHER BANKS ABOUT ( XXXX ) IN MY AREA AND I WAS DENIED TOO FOR THE SAME REASON. I CONTACTED BANK OF AMERICA AND INFORMED THEM ABOUT THE ISSUE THAT I HAD WITH OTHER BANKS, THEY TOLD ME TO GET A CONSUMER REPORT, AND SEE WHATS ON THERE PERTAINING MY INQUIRY. I REQUESTED THE INQUIRY FROM CHEXSYSTEMS AND I SAW THE CLAIM BY BANK OF AMERICA " SUSPICIOUS FRAUD ACTIVITY '', I CALLED BACK BANK OF AMERICA AND TOLD THEM I RECEIVED IT AND I WANT TO KNOW WHAT I CAN DO TO RESOLVE THE ISSUE AND GET OFF XXXX, THEY TOLD ME TO PUT IN A REQUEST TO BANK OF AMERICA 'S RISK DEPARTMENT AND MAIL IT TO THEIR ADDRESS IN XXXX, FL. I DID IT AND A COUPLE OF WEEKS LATER THEY SENT ME A LETTER SAYING THAT THEY WILL NOT REMOVE ME FROM CHEXSYSTEMS BECAUSE IT SUPPOSED TO PROTECT THE BANK BECAUSE ITS A SERIOUS MATTER. I CALLED THEM TODAY AGAIN, SPOKE WITH THE RECOVERY DEPARTMENT, ASK THEM WHAT CAN I DO TO GET BACK ON TRACK BECAUSE I 'M ONLY XXXX AND I REALLY NEED A BANK ACCOUNT/SAVINGS ACCOUNT FOR MY JOB BECAUSE ITS TOWARDS MY FUTURE AND THIS ISSUE ON XXXX IS RUINING MY LIFE. THEY TOLD ME THAT I DO N'T OWE THEM ANY MONEY, I 'M JUST FLAGGED BY THE BANK AND I CANT OPEN AN ACCOUNT WITH THEM, I ASKED WHY THEY CANT REMOVE IT SINCE I DONT NEED TO PAY ANYTHING TOWARDS THEM, THEY JUST GAVE ME THE RUN AROUND AND TOLD ME TO SPEAK WITH THE RISK DEPARTMENT. THE RISK DEPARTMENT SAID THERE IS NOTHING I CAN DO BECAUSE ITS ALREADY ON THE REPORT AND IT WILL BE ON THERE FOR 5-7 YEARS AND THERE IS NOTHING I CAN DO ABOUT IT. I TOLD THEM I WILL GET AN ATTORNEY AND THE REPRESENTATIVE BASICALLY RUSHED ME OFF THE PHONE SAYING " IS THERE ANYTHING ELSE I CAN HELP YOU WITH '' BEFORE I EVEN FINISHED TRYING TO ASK WHAT CAN I DO TO RESOLVE THIS ISSUE. I 'M TO MY BREAKING POINT FROM THIS AND I REALLY NEED SOME HELP BECAUSE THIS IS MESSING UP MY LIFE. I HAVE A CREDIT CARD AND ITS HARD TO PAY MY MONTHLY BILL BECAUSE I DONT HAVE A BANK ACCOUNT, I LIVE OFF PREPAID CARDS AND THEY DONT HELP ME SAVE AND THEIR FEES ARE RIDICULOUS. PLEASE HELP!!!
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Company chooses not to provide a public response | XXXX XXXX, XXXX We found ourselves in XXXX not able to make our house payments and other financial obligations. We applied to BOA for a loan modification in XXXX of XXXX and continued to petition them for relief under the new modification programs offered by the government. We knew very little about the process itself, so we went along for some time, sending them everything they asked for only to be denied, SENT INCOMPLETE PAPERWORK, or told we did not qualify for this or that type of program, BUT to resubmit our documents again and again. At XXXX point they sold our loan to XXXX and then almost immediately bought it back. Very confusing and again resulted in more packets having to be sent in.
There was a period of time when we could not get any response from BOA and finally I went to a branch in XXXX refusing to leave until I was able to talk with someone face to face. Again, we filled out documents and brought XXXX XXXX ( a consumer advocate who had helped other homeowners achieve a loan modification ) into the negotiation process. After speaking with XXXX, we were referred to the Office of the president, Social Media Team of Bank of America. It seemed to make some progress, but very slowly. Long story short, after three years of this process BOA finally offered a loan modification that was {$600.00} MORE per month than our original payment. IN ADDITION, to bring the loan current we would have to pay {$85000.00} to be back to our original payment. During the time of our modification process BOA was pursuing foreclosure while we were in a current workout program. It was my understanding that this was an illegal process called dual tracking in the mortgage industry.
The offer was absolutely NOT a modification and a workable proposal, it indicated to us that BOA did not want to help us but wanted to be able to take our home for some reason unknown to us. We came to the decision to file a chapter XXXX bankruptcy to eliminate the debtand get a fresh start. We surrendered the house in the chapter XXXX and was advised by our attorney to not vacate until the deed changed over to the bank as we would still be responsible for the property. We were given notice again that our house has a sale date of XXXX XXXX, XXXX. We are not attempting to retain possession of the home, but to petition BOA for a reasonable offer of compensation for the stress that this whole situation has caused us. We feel it is our duty to report the bad customer service, deceit, and improper if not illegal handling of our loan modification. It is our hope that your office will research BOA and prevent other families from having to go through this process. Three years is too long for anyone to have to wait to eventually lose their home. I believe that Bank of America should be obligated to make restitution to people like us for their mishandling of our case. There is NO excuse that can be given. I would like BOA to offer us a low interest rate loan for a smaller home which would be affordable for our current financial status. We have had stable income for over two years and are ready to move on with our life. We submit this respectfully and with confidence in the Consumer Finance Protection Bureau.
XXXX XXXX, XXXX As of this date BOA did not pursue the sale date of XXXX XXXX, XXXX and again, no communication from anyone at Bank of America. Bank of Americas attorney, XXXX XXXX XXXX out of XXXX has contacted us recently indicating that they will be pursuing the foreclosure of our home. We understand that this will take place, but since the original submitting of our original complaint we have had no conversation from BOA regarding any financial compensation or other offer as we had requested. Again we will leave the home upon the transfer of the deed and are not trying to retain possession of the home. We ha
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Company believes complaint represents an opportunity for improvement to better serve consumers | Loan office has some sort of issue with questions about my loan. Every time I ask details I get unclear answers and push to another time. If I email him my questions about the extra payment plan agreed to, I receive vague answers in red & no contact info for said XXXX party servicer ( XXXX ). XXXX who services my mortgage knows nothing about extra payment plan agreed to. My original mortgage is with Resmac, my servicer is XXXX, the third party whom they have the agreement with is XXXX. It 's a whirlwind of confusion. XXXX XXXX XXXX a XXXX Resmac
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Company chooses not to provide a public response | To whom it XXXX concern : I am writing in regards to some startling errors on my credit report. My name is XXXX XXXX, and XXXX XXXX is my daughter 's name. I have never used the name XXXX XXXX, and therefore require that it be removed from my credit report. All variations of my name on your records are either not current or just wrong, since the only names I have ever used are XXXX XXXX and XXXX XXXX, but only while I was married, and XXXX divorced, in XX/XX/XXXX, I returned to my maiden name, XXXX. I am contacting you to correct these errors, because they are hurting my daughter 's credit report, as it seems you have us as the same person. My daughter has been working on correcting her credit report as well, since a lot of my information can also be found on her record. Also, my birthdate is reported incorrectly on my credit report. I was born on XX/XX/XXXX, not in XX/XX/XXXX, as it is reported.
I have lived at my present address : XXXX XXXX XXXX, XXXX, MA XXXX, for 15 years. I lived at XXXX XXXX XXXX, XXXX, MA, XXXX, before that. I have NEVER lived in : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX or in XXXXXXXX. My daughter has lived in some of the following addresses, not me, yet these addresses can be found under my XXXX daughters record as well. My daughter and I have different social security numbers, and we share the same first name, and XXXX last name, and in the past, the same address. I need my financial account separated from that of my daughters, because of these errors, when my daughter requests a change of address, my mail is also redirected to her new address, since in my credit report I am reported as having lived where she has erroneously. Lastly, I have some defaulted student loans and they do not show-up on my credit report and I fear they may be lurking under my daughter 's credit report. I need help in removing my daughters name and addresses from my account, in the hopes of separating our financial records. I have provided documentation to prove my name and addresses, along with my student loans, which should be under my name. Thank you for your attention in this matter.
Sincerely, XXXX XXXX
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Company believes it acted appropriately as authorized by contract or law | This is a detailed Email from my Realtor : to the COE of XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX '' We have sent everything ( XXXX ) need to process the loan for XXXX XXXX XXXX, XXXX at least two weeks ago and we still do n't have a closing package at the Title company for the HUD and closing.
This is a Fannie Mae loan and I have been telling everyone all along and especially over the last two weeks that we MUST HAVE THE FILE TO TITLE 48 HOURS BEFORE CLOSING.
The file was complete Thursday, XXXX XXXX with corrections on name and ready for underwriter. I expected to see it arrive at the Title company and have a HUD done on Friday only to be informed by your local representative, XXXX XXXX, that nothing had been done yet but should be done by early week.
I requested the file to be complete and sent to title on Monday so we could close on Wednesday. Your employee XXXX XXXX stated that " closing date is XXXX XXXX so the file will be there the XXXX ''. A FANNIE MAE LOAN NEEDS TO BE AT TITLE 48 HOURS BEFORE CLOSING!.
I have talked with XXXX and he can not seem to get the file escalated enough to meet the deadline as of yet. WE have 2 hours to meet the deadline - see email from XXXX XXXX at XXXX XXXX. If it is not there by XXXX EST, we will not make the closing.
My buyer has given extra time in planning his life ( we have moved the closing from XXXX/XXXX/15 to XXXX/XXXX/15 to XXXX/XXXX/15 ) but we have maxed out his time. He will be without a home XXXX if this does n't close on time ''.
No one took the time to explain to me why we could n't close on each of the previous times listed. This has been a great waste of time and money for me. Now as of the XXXX of XXXX I will not have a place to call my own due to the fact that I picked XXXX as a lender for my XXXX loan. Overall this has been a awful experience. I am disappointed, angry and very unhappy. For more than a month, this has been happening. Thankfully, I have detailed email threads for proof and investigation by attorney.
Hope this helps someone.
Thanks XXXX.
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Company believes the complaint is the result of a misunderstanding | I get several calls from this company who have some not all of my personal identification information. They claim I owe this debt and demand payment. When I ask for mailing address and/or validation, the reps offer an email. I state that I would like validation mailed, the XXXX lady said, no we will email that to you, how are you going to pay this in the meantime. I stated that she was violating the law and I was reporting the call, she laughed, and said, we do n't have to comply with the law, good luck with that.
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Company chooses not to provide a public response | My husband received a call that we have been turned over to a collection agency for a medical debt that occurred in 2013. He asked for a statement and told the collection agency that we would be happy to pay as long as we received a statement to verify the debt. He was told they did not have to provide a statement and this would be reported on his credit report. I in turn called them and attempted to have them send me a copy of the debt we reportedly owed but they refused. I have not received any written communication from the collector only a phone call.
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Company chooses not to provide a public response | I submitted Case number : XXXX but it was not sent to Citibank but rather to XXXX for resolution. Since the Patriot Act, banks are required to obtain ID before opening an account so I want to know how was a CRIMINAL allow to open an account and receive wire transfers. Also how did Citibank allow their database to be hacked and all correct information on a credit card was stolen and used to pay for my services. And now I am told I have to write-off all my expensesI wire transferred {$3200.00} to what I thought was a legitimate customer of Citibank who turned out to be a scam. The following information is all documented via emails.
On XXXX/XXXX/2014 we received a request for quote via email from XXXX XXXX from XXXX and Sons to print XXXX flyers.
On XXXX/XXXX/2014 we received an email with the information on the Mastercard we used to pay for the XXXX and Printing of the material of {$5800.00}. On XXXX/XXXX/2014 the funds from the credit card were deposited into our bank account and that is when we started the printing the material On XXXX/XXXX/2014 he asked us via email for the status of the printing job and asked us to contact the XXXX XXXX to schedule the pick-up by the XXXX XXXX. On this date, he also called the shop to talk about the status. We schedule pick up of the XXXX XXXX at our shop on XXXX/XXXX/2014 and paid the XXXX company the {$3200.00} they requested for the shipment. I was provided a routing number and account number and name.
On XXXX/XXXX/2014, in reconciling our bank account we noticed that the {$5800.00} was chargeback to our bank account and hence the reason I am writing this information. In the meantime, the XXXX XXXX flyers have been printed and we are waiting for the XXXX Company to pick them up
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Company chooses not to provide a public response | Activated citibank Debit Visa card on XX/XX/XXXX. Expired on XX/XX/XXXX. Citibank says that any monies on card at expiration are theirs for accounting fees per agreement at time of purchase. I saw no agreement at time of purchase.
XXXX
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Company chooses not to provide a public response | Dear Consumer Financial Protection Bureau : Please, I have written the XXXX Credit Bureaus ( XXXX, XXXX, and Experian ) to contact XXXX XXXX XXXX in order to credit me for the credit history I established when I purchased a XXXX XXXX XX/XX/XXXX and continued paying for it until XX/XX/XXXX when I finished the payment. Attached are the letter and summary of my account history from XXXX XXXX XXXX. I have been turned around each time I have called the credit bureaus about this while they continue to report that the XXXX XXXX XXXX do not report to them ( Credit Bureaus ). The credit bureaus should not have any adverse reporting against me when I have been buying and paying for my vehicles in full. They seem to be interested in hurting consumers than trying to help us. I could not be establishing a good credit while they continue reporting the adverse hurting credit histories instead of reporting the good credits I have worked hard to establish. I do not know what else I could do to help my credit reports than to appeal to you to help get my established records credited for me. I am being dribbled by both the credit bureaus and XXXX XXXX XXXX. This is a report against Experian since you told me to file separately against each credit bureau.
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Company chooses not to provide a public response | I recently applied for a refinance to my mortgage through Quicken Loans. I had asked about their product where they claim to pay your PMI for you. This would really save us some money each month. After working with their agent, I was told that I did not qualify because I do not have enough equity in my current home. I understand this even though my wife and I have an impeccable record and credit scores. The problem that I have is that if I do not qualify, why do I continue to get email notifications urging me to apply for refinances through them? I constantly receive email notifications from Quicken Loans telling me to apply and asking 'What 's holding me back. ' The emails even allow for a link to apply within them. I wanted to apply for the right product for me, which they said I could not get at this time. Now I receive notifications that I should keep applying. I just want to move forward with the product I want.
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