Answer
stringclasses 10
values | Question
stringlengths 11
5.15k
|
|---|---|
Company believes it acted appropriately as authorized by contract or law | Repeated calls from XXXX from XXXX, and XXXX.
|
Company believes complaint caused principally by actions of third party outside the control or direction of the company | I am former student of XXXX XXXX, I have a genesis loan that is in default. I currently owe {$7.00}. The school is now being sued and is under investigation for fraud. The school was a joke ; they where so worried about collecting the monthly payments for the Genesis loan that they would pull students out of class and away from there studies.
I strongly believe that I am not responsible to continue paying on these loans because I did not finish the course. The schools curriculum was not that of a regular college. XXXX was over packed with teacher to student ratio. In the class room the students had to stand or find setting because they over packed there classes. Half the time the book store did not have the books needed for the class and they where on back order ; this cause student to have to wait to take a class and or share with a class mate. This made students unable to finish work on time.
I want to be able to go back to school and finish my degree, but I am not able to due to so with this genesis loan. The lender is not people friendly and they seem to not want to help with paying back loans ; they are rude when you call and state that they are unable to take less than {$200.00} a month in payments. This is outrageous for a single mother that works full time.
|
Company chooses not to provide a public response | o My wife opened this account over XXXX years ago when we lived in the XXXX area and I was working XXXX jobs.
o We moved back home to XXXX in XX/XX/XXXX when the company I was working for let all the XXXX go & bought a canned software package.
o I taught school for XXXX XXXX XXXX XXXX for XXXX years until I had a XXXX XXXX and was forced to retire.
o My wife XXXX has XXXX
o We XXXX take many medications and I can no longer work so I can no longer make payments.
o For the last several years we had this account we paid {$200.00} to {$250.00} dollars each month and regardless of many calls Home Depot refused to apply any part of the payment to the principle.
o We are XXXX years old and own no property or vehicles.
o We are constantly being harassed by XXXX XXXX XXXX both on my Home Phone and my Cell Phone I have repeatedly asked them to stop calling as we will never have any funds to make additional payments on this account.
XXXX/XXXX/XX/XX/XXXX
|
Company chooses not to provide a public response | Late afternoon on XXXX XXXX, 2015 I took a check written from my business account into Bank of America to cash. There was only XXXX teller working. The check was written for {$5500.00}. The teller ran the cash through the money counting machine and then took from the stack and said she almost gave me an extra {$100.00}. She put the money in an envelope, without counting it back to me, and I left without thinking there 'd be an issue. Well there is an issue! When I counted the money, and the bank was already closed, I found out the teller had given me only {$4400.00} ... {$1100.00} short. Immediately the next morning I went to the bank and explained what happened. The first representative immediately said the count was not off {$1000.00}. My wife interjected and said it is {$1100.00} off not a {$1000.00}. The representative then went to get the supervisor and after about 30 minutes she explained they would request the video, but there was only XXXX person that managed the entire Western region so she was not sure how long it would take. She called back and said they found no error. I asked to review the video and she refused saying that it would invade customer privacy. There were no other customers at the teller. And if the cameras are focused in on the counting machine to verify it counted out correctly then that too should not be an issue of letting me review the video. Bank of America has stolen {$1100.00}. of my money. The supervisor said their investigation is closed and I really do n't know how else to pursue justice in this matter.
|
Company chooses not to provide a public response | I just looked at my account and my {$9.00} and a few pennies overdrew my account and Bank of America charged me a {$35.00} fee. They refused to waive even though I have been a customer for 14 years and I think this is my XXXX overdraft I have ever had in my life. I find it both excessive and incredible that 1 ) they seem to think that charging a few more than XXXX the debit makes sense and 2 ) it is impossible to have a conversation with the CSRs because they only give the scripted answers and are unable to take each customer as an individual.
|
Company chooses not to provide a public response | There is a US Department of Education ( Direct Loans ) account on my Experian credit report that shows past delinquency. This is inaccurate information. I disputed the account with Equifax and TransUnion, and it was promptly corrected. I have attached a copy of the dispute results from XXXX. Experian refuses to reinvestigate the account, stating that they previously verified it in XXXX 2013. The dispute from 2013 is unrelated to my current request. This account is no longer serviced by the Department of Education, as it has been transferred to XXXX. I would like for this account to be deleted, or for the delinquency to be removed.
|
Company believes it acted appropriately as authorized by contract or law | In 2010 I was giving an forgiveness loan from XXXX Bank then the loan file went to XXXX XXXX, from there EMCE then from there Premiere Credit XXXX XXXX XXXX, and then Premiere Credit went into my account and took out XXXX dollars, I send them proof and had not heard from them at all but still XXXX dollars is still being taken, they told me I can talk to a man call XXXX XXXX, I have call him, XXXX him XXXX and still no call back, I want to sued them cause they had no right going into my account, if you want me to fax or send the proof to you please call
|
Company chooses not to provide a public response | I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
|
Company chooses not to provide a public response | In 2010 I was giving an forgiveness loan from Citi Bank then the loan file went to XXXX XXXX, from there XXXX then from there XXXX XXXX Of XXXX XXXX, and then XXXX XXXX went into my account and took out 170 dollars, I send them proof and had not heard from them at all but still 170 dollars is still being taken, they told me I can talk to a man call XXXX XXXX, I have call him, fax him XXXX and still no call back, I want to sued them cause they had no right going into my account, if you want me to fax or send the proof to you please call
|
Company believes the complaint is the result of a misunderstanding | Called collection agency and telephone operator would not listen, consistently said that I was not making sense because I was XXXX XXXX. Harassed me about my XXXX XXXX any time I tried to present my case. She said that I was so XXXX XXXX that I was " not comprehending. '' This is was only a tactic used to invalidate my concerns. She used my XXXX against me rather than taking reasonable time and energy to understand what I was saying.
What I was trying to say was that management had told me to call the police on my neighbor without any good reason. They wanted me to help illegally evict my neighbor. They told me he was dangerous and told me to " be safe. '' It precipitated psychosis. They never returned my phone calls or tried to resolve the matter after several attempts I made trying to contact them. They just turned everything over to a debt collector without trying to work things out. I did everything I could to take care of the matter, but they told me to call the police and that was manipulative and wrong. It made me mentally unstable and unable to continue living there. I had to go into the hospital and was unable to return to the apartment.
|
Company disputes the facts presented in the complaint | I thought that collection from my provide apartment. When we end lease that apt does n't return my deposit money so we thought they make up for apartments cleaning fee. Then was 2009. I really do n't know i have serious record on my report before I checked my credit report XXXX month ago for buy house.
and then that account joint with my husband. But my husband same account is closed but my own is still open.
Anyway, I never has a notice from collection agency before they report on my credit report.
|
Company chooses not to provide a public response | I believe this is more of a problem with a potential creditor, and not Experian itself. I am not sure how to proceed, however, here is what happened. I applied for a credit card sometime prior to XXXX, just XXXX with XXXX. I did n't hear about approval so I called and inquired, and then followed up with a letter dated XXXX XXXX, 2015. My experian credit report notes XXXX hard inquiries spaced just weeks apart, XXXX XXXX, 2014, XXXX XXXX, 2015, XXXX XXXX, 2015, and XXXX XXXX, 2015.
I know this is impossible because there would be no way I would attempt to reapply for credit in such a short time frame, so I have XXXX hard inquiries on this report that will be on this report incorrectly for two years from now. It is wrong, and I only gave permission for XXXX hard inquiry.
|
Company believes it acted appropriately as authorized by contract or law | I appealed the decline of the loan modification within 30 days. Select Portfolio Servicing is not honoring the 30 day appeal process which is illegal per the Homeowner Bill of Rights Act. The underwriters have miscalculated my income and overvalued my home by over {$200000.00} in the original decline, now they are stripping me of my right to appeal. I have proof that I sent my appeal in by email per their instructions within the 30 day period.
Please have SPS cease the foreclosure process per the Homeowner Bill of Rights and proceed with the appeal process.
|
Company believes it acted appropriately as authorized by contract or law | I have a car loan with consumer portfolioand my loan has not went no where. I have had the vehicle for almost 3 years now and they have been charging me alot of late fees. I have had different car loans in the past and they give you a 30 day grace period to pay your loan. When I got with this company I was not told about this. I really feel they are ripping me off and I do not want to be under them. I understand I have been late but its how my payday falls and they been calling my job harrasing and everything. I know they are ripping me off
|
Company chooses not to provide a public response | I had a Shell Credit Card account for decades. The issuer is Citibank. The card was very seldom used, usually on long trips. At some point I believe late XX/XX/XXXX or early XXXX the account number was changed by Citibank and I do n't why. After that point it seems all communication, statements etc., stopped. Not using the card very often it did not come to my attention. In XX/XX/XXXX I used the Shell card to make a purchase in XXXX Ca. for XXXX. I am a person that pays his bills within a day or XXXX of receiving them. Something had happened to cause me to stop receiving statements from Shell/Citibank. Without a statement the purchase went unpaid. I believe that each month Citibank thought I was receiving statements and ignoring them so they added late charges until they closed the account and sent it to collections. Also, they notified the credit reporting agencies, showing a charge off on my report. I discovered all of this when I applied for a credit offer from a retail store. Prior to this point I did receive a letter from the collection agency indicating the charge off from my Shell account. Believing that I had a XXXX balance, I logged into my Shell account on-line and it shows no balance owed. I hought the letter was a fraud scheme. I can still log into the account. I discovered that I am logging into the old account number??
The action I have taken : Called the Citibank service center and asked to discuss my bill with the representative, who claimed she could not see the account since it was closed. She told me she would send the statements and I should try to figure out what happened. Really?
Month later, received statements and discovered the aforementioned information so I called the Citibank service center again to discuss the issue. I was told this time that I would have to write a letter to the CBR Dispute Dept. of Citibank.
Wrote letter to CBR Dispute Dept. outlining the details and asking for a representative to contact me with a resolution. They have not contacted me after sending additional faxes requesting any type of contact at all.
After a month of no contact I emailed a letter to the CEO of Shell and the CEO of Citibank detailing the issue and begging for a representative from either company to contact me.
I am a XXXX retired XXXX XXXX that takes pride in having a pristine credit report and have never paid a bill late. Please help me!
|
Company believes the complaint is the result of a misunderstanding | I refinanced my home on XXXX XXXX, 2014 with New Penn Financial. In the mortgage document that was executed was an automatic payment enrollment form that states that I can have XXXX Mortgage Servicing ( New Penn 's mortgage servicing arm ), withdraw funds from my checking account biweekly on the start date that I specify. I specified XXXX XXXX. ( By having funds withdrawn bi-weekly, I pay down the principal faster. ) XXXX did not withdraw on the XXXX but waited until the XXXX. I objected that the XXXX was out of sync with my payday and that I wanted the agreement honored. They stated that they only draft accounts on XXXX dates each month and that I had no choice what date they drafted. When I objected they took me out of the biweekly withdrawal program and charged me a late fee.
I 've been paying biweekly on my paydays since but because I out of sync with their schedule they charge me a late fee plus I am not getting the principal advantage because they do not honor my payments a paying down the principal. To get this advantage they say that I 'd have to pay an additional XXXX up front.
I want them to honor their agreement, deduct my account on the date specified in the mortgage agreement, and credit my account with principal pay down.
I 've filed XXXX Better Business Bureau complaints and they 've failed to respond to either.
They call to remind me that my payment is late every month.
|
Company believes it acted appropriately as authorized by contract or law | I borrowed {$13000.00} in 2003 from Student Loan Finance. I became extremely I 'll in the middle of the XXXX semester, resulting in XXXX XXXX over the last XXXX years. Student loan XXXX has been unrelenting. They have told me I need to borrow the money from family members or get another job. They have been unwilling to accept any form of payment other than what they want and have threatened to sue me.
|
Company believes complaint caused principally by actions of third party outside the control or direction of the company | Hello- i purchased a home in XXXX 2014. This day was suppose to be the happiest day of my life and instead i was feeling like i should have not made the purchase but was n't able to get out of it because of i would loss the down payment money and other things. the lender company did n't do a great job of explaining things correctly to me and i often received conflicting information or finding out that the amount approval was given was incorrect fha vs 100 % financing. ok, i found out that the lending company use and insurance company that i had no knowledge of and the amount of coverage was not correct. the house had coverage for someone not going to be in the home for about six months. i found that out due to searching for a lower monthly payment, on now i found out that the taxes on my home is 1500.00 hunder dollars more than what they said at first before closing. so with my monthly payment of XXXX is now going to go up over 800.00. When i went into the office to apply or see if i can qualify for a home, i told them I do n't a monthly payment of 700.00. they said i would have to fight the payment of XXXX until i file homestead exemption and i will drop about 300.00 a year and the would put me closer to my request. I said ok, now come to find out THAT is not going to happen since i am in the whole from the amount of propery tax and the correct insurance has gone up on my home. I am so afraid I will not be a home owner for long because of the STRETCH payment i am having to come up with from month to month now. This is stressing me OUT so bad, it will mess up my credit, and my living status with my family of having to find them a nother place to live. I spoke with manager of homestar and i do n't feel as thou he understand how this has effected my finances of struggling to pay this every month. Having to come up with extra monthly with children and other responsiblity is difficult, and that is Y i try to plan and keep it to an minimual ... .. this is CRAZY ... .... i am trying not to cry but it is hard to tell your family we may have to move because we can afford where we are because of some XXXX else neglection.
|
Company believes it acted appropriately as authorized by contract or law | The lender failed to give me a modification when I am eligible for XXXX. I hired a lawyer and the lawyer agrees with me. The lender, however, is still trying to take my property. Due to the recent denial, I need your immediate help because I do n't know the sale date.
|
Company chooses not to provide a public response | Spoke with the dept of loans here in Alabama and was told this company does not have a license to do business in Alabama and that she had sent these companies I mention in this report to you all for investigation from other consumer. I took out a {$2600.00} dollar loan and paid {$290.00} for a year and my balance is still XXXX With past due of {$610.00} and then tried collecting again through XXXX for the total amount of the original loan, now reporting on XXXX with XXXX as a write off of XXXX $ with a {$1600.00} past due balance. I was told by the contact person for bureau of loans that this was given to you all before and is being investigated. Many states have taken action including voided these loans. Please get these predatory people to shut down. Western Sky is the originator of these loans and the document by Delbert services says refer to Western Sky for questions. This info needs to be verified. Western Sky is not doing loans now. I wonder why? They immediately after doing the loan say they sent info via email that they ( Delbert ) would be collecting on the loan. Please do research and figure why did they sell the customers from western sky to Delbert services and now XXXX XXXX. They are killing my credit report because I am refusing to pay after researching they are under scrutiny with other states. This has got to be illegal. They are now trying to collect with settlements for half the amt of the loan and someone has been calling my cell and not leaving a message. He 's asks for me and does not say. I owe no one to call me discretly. I think it 's XXXX trying to catch me. Please make this go away off my credit report. I have tried hard to fix it and now they have trashed it along with having been harassed for months before contacting you all before. They wrote it off XXXX for {$2600.00} and sent an email to collect again XXXX/XXXXXX/XX/2015 for the XXXX {$.00}
|
Company chooses not to provide a public response | To Whom It May Concern : I had a short-term cash advance to cover any overdraft my account could incur. I finisehd paying it the month of XXXX, 2015, but I have been unsuccessful to stop Citibank from charging my bank account since XXXX 2015, after having stopped at the bank XXXX times.
I would really appreciate to bring this issue to their attention since I do not have the time to stop by the bank a XXXX time.
|
Company chooses not to provide a public response | I was originally a co-borrower with my now deceased husband in XXXX. I modified the loan after he died in XXXX. I lost my job in XXXX I asked Suntrust mortgage company for a modification on the loan, they refused and sent me a response giving my options for a short sale or foreclosure starting on the XXXX of XXXX. I work a XXXX XXXX job and the bulk of my money comes after the XXXX of each month. I pay my mortgage, but I 've accrued late fees. ( {$1600.00} ) I contacted XXXX XXXX, XXXX, the representative told me she could not discuss the loan because it 's still in my deceased husbands name. Suntrust never took my husband name off the loan.
What can I do to stay in my home?
|
Company believes the complaint is the result of a misunderstanding | On XXXX XXXX I submitted a form to LendingTreeAutos.com with all my pertinent personal and auto information.They advertised on their website that they would compare my current auto rate with potential lenders that could then make refinancing offers. I understood from the information on the website that if I was interested in any of the offers I could then contact the lenders. Only XXXX lender sent me an offer which was for an APR higher than the one I currently have. On the website I was given information for XXXX lenders with telephone numbers to contact if I was interested in pursuing refinancing. I did not contact the lenders nor did I give consent for them to perform a credit inquiry. However, XXXX different lenders pulled my credit report over the course of a couple of different days. With each subsequent inquiry to the various credit reporting agencies my credit score decreased. There is no disclosure on the website warning consumers of the possible repercussions of using this service. My FICO score dropped by more than XXXX points in a matter of weeks. Now I do not qualify for good rates or any loan at all. I subsequently contacted XXXX, XXXX of the credit reporting agencies, and was informed that LendingTreeAutos.com or their affiliates could have the inquiries on my credit report removed by contacting the XXXX major credit reporting agencies, thereby restoring my credit score. LendingTreeAutos.com will not comply with this request. I then attempted to close my account with them, but there was not an option for this online. I contacted the telephone number listed on the website and was assured that the account would be closed and that no further information would be disseminated to any lender. As a consumer, I was not aware that using this company to vet potential lenders would so adversely affect my credit. LendingTreeAutos.com does an extreme disservice to the consumer at large. If in fact, they conform to all lending regulations, then this should be addressed with regulatory or other changes to protect the general public.
|
Company believes complaint is the result of an isolated error | 360 Mortgage has submitted a debit to an account that I did not authorize. The representative took my payment over the phone and was to debit my checking account ending in XXXX from XXXX Bank instead there were XXXX debit transactions made XXXX from my XXXX account and XXXX from my XXXX. I was charged a {$36.00} Insufficient fund fee from XXXX for this and was reported 30 days past due on my mortgage account by 360 Mortgage which was not authorized to debit this account for my XXXX mortgage payment.
|
Company believes the complaint is the result of a misunderstanding | My cell phone listed this number as the caller. A lady by the name of XXXX XXXX state that there were documents under my name ( she used my full legal maiden name ) and social brought to her attention that I am probably not aware of. She said it is very urgent I call her back by XXXX eastern. She told me to call her back at XXXX and use a reference number that included XXXX digits. This is n't the number she called me from. I looked the XXXX up and this seems to be a common message associated with this number. The woman never stated what company or office she was calling from.
|
Company chooses not to provide a public response | I left bank of America because I was being charged overdraft fees that were a direct result of them not crediting my deposits for up to a week. I left them and now I understand that they posted an outstanding debt to my credit report and show that I opened an account in XX/XX/XXXX when I stopped doing any business with them in XX/XX/XXXX. I called spoke to their representative and they said they would fax a letter showing that the debt was taken care of, then later in the day when the fax did n't come through they changed the story and said they would not be sending anything and that they sold the account to someone else and ca n't do anything with it.
|
Company chooses not to provide a public response | we closed on our home XX/XX/XXXX. we received a notice in our XX/XX/XXXX mortgage paperwork that our escrow account was short by {$5700.00}. Since we have addressed the issue with our original lender, mortgage company and our current mortgage company we have been given so many different answers, reasons, amounts. Somewhere something does not add up correctly. The notice that we received in our XX/XX/XXXX statement was dated XX/XX/XXXX, which is 2 months past already. We need someone to look into this issue as to why our escorw account is so low and find the underlying problem. My husband and i have been paying what we were suppose, actually even more every month. I think either the original lender did wrong calculations or when the file was bought out thibgs were left out and evry person/company is only pointing fingers. PLEASE HELP!
|
Company chooses not to provide a public response | My account was reassigned to this company effective XXXX 2015. When I XXXX received their bill notice, it stated I was 90 days over due. When I phoned & spoke with a person, I informed them that my account was just reassigned as of this month. They kept telling me I was 90 days behind. I paid the balance on XXXX, and I recently received a bill with an outstanding balance and added charges. A person arrived to my residence today, XXXX & handed me a note to call mortgage company. It was the wrong mortgage company. He started to take pictures of my residence. This debt collection company is acting as if I have not paid the balance due. They have initiated steps towards a " foreclosure '' on my residence.
|
Company chooses not to provide a public response | The mortagage company has prolonged the loan modification process for over a year claiming i did not submit information on time and denied modification based on those claims. In addition, the mortgagor has changed representatives multiple times in which they are unfamiliar with my case and do not help in a timely manner.
|
Company chooses not to provide a public response | XXXX has been charging my account with a " Debt Protection '' fee I never even signedfor. I have been a card holder since XX/XX/XXXX, and was shocked that XXXX would allow these unauthorized charges on my account. Today, i called the XXXX provided on my statement, and neither XXXX of the XXXX representatives i spoke to could give me a confirmation, proof, anything, of how i was being charged for this " optional service fee ''. I asked for cancellation right away, and they could not even give me a confirmation # for that. A girl named XXXX, who was the XXXX XXXX i spoke to, mentioned it was an optional service and that i was somehow signed up since XX/XX/XXXX!!! She tried to explain the " benefit '' of the service, but i was clueless as i have never, nor will ever, even consider such an option to begin with. She stated she would transfer me to another line to cancel, which i was redirected to a guy named XXXX, XXXX. He could not give me any direct answers on how this service was authorized, and mentioned he would cancel it today ( XX/XX/XXXX ), and that i would be " REFUNDED '' any charges dating back to XX/XX/XXXX. He mentioned within 30 days, i would receive a letter, or that the refund should show up on my XXXX account, if not, to call back and speak to a rep again. I purchased a washer and dryer last year On XXXX XXXX, for my new home, and since then, for every month, they have been charging this fee. It started with a " debt protection '' fee of {$20.00}, and has gone up EVERY MONTH since now to {$59.00}!!!
|
Company chooses not to provide a public response | Completed Trial Mortgage Modification with Bank of America. Informed by Customer Representative additional money would remain in Partial Balance until full payment was transferable as payment. Received call on XXXX XXXX, 2015 from new Customer Representative asking about XXXX payment. Informed her that I would like money transferred from Partial Payment used as XXXX Payment. Customer Representative and I spoke to a couple of people, before we were informed that the money had been applied to Principal. I questioned why this was done after adjustments had been made after Trial period and requested to have money moved back. Heard circular reasons and Customer Representative being on the account as to why it could not be done. Customer Representative said she would speak with her supervisor. Requested she explain my concern, when she was not able to adequately explain my concerns, I requested her Supervisor 's name and number. Left message for Supervisor that was never returned. Customer Representative called on XXXX XXXX for scheduled follow-up. She apologized for prior Customer Representative giving me inaccurate information, but money applied to Principal was not able to be transferred back until XXXX payment was made and she was removed from account.
|
Company chooses not to provide a public response | The problem started on XX/XX/XXXX when I received a new debit card for my Citibank Checking Account, as I received the card I proceeded to activate it through the phone number listed on the sticker of the new card, their automated recording gave me a message that the card had successfully been activated, however a month or so after, I attempted to use my card at a store and I was told my card had been declined by the bank, I knew this was an error as there was more than enough funds to cover the transaction amount. The next business day I took my card and physically went to one of Citibank 's branches in XXXX where the branch manager checked the information of my card and called their debit card department where they verified that there was an issue with the card, however according to them they solved the issue over the phone. A couple of weeks later I tried using the card again XXXX in XXXX XXXX and the card not only got declined but the merchant received a message that the card was reported stolen at such point the merchant confiscated the card and I was put through humiliating experience in front of other people. After this episode I immediately contacted customer service from overseas having to incur long distance phone expenses and additional expenses from foreign transaction fees that where charged to me by my other financial institution ( I have a Citigold account which does not charge foreign transaction fees while XXXX ), I was told by the rep on the phone that they will be overnighting a card to me to XXXX XXXX, the card arrived 4 days later at which point I was already returning to the US, so I received the card and waited two days to activated once I was back in the US. I activated the new card and tried using it and got declined again, so I called once again to the customer service number and was told that the XXXX digit code on the back of that card did not match what was on their system so they where going to be sending another card. At XX/XX/XXXX I received card number XXXX and called the customer service number to activate it and make sure all the information matched what they had in their system and the agent tells me that the code does not match again, ( sounds like a joke ) at this point I request to speak to a supervisor and get to the bottom of the issue. I spent around XXXX minutes on the phone while I am on my way to the airport on XX/XX/XXXX trying to get the issue solved with this supervisor and she assures me that by XX/XX/XXXX I will get my card at the hotel where I was going to be staying at in XXXX, FL, well no card came on Tuesday so when I received a call from Citibank to verify that the card was received I told them that no card had been received, so they sent out another card to be received on XX/XX/XXXX ( card number XXXX ). So on XX/XX/XXXX XXXX card came to the hotel and neither XXXX of the cards are the correct cards ( XXXX of them is an ATM only card and the other card does not match my account type ). I have tried to communicate with Citibank through all channels possible, including social media ( Twitter ) and everyone promises follow-ups and solutions but then nothing. I lastly requested an email address to their executive offices and was promised that I will receive such address, but it has been 4 days and no address has been received.
I do not want this type of incompetent actions by this large institutions to go un-noticed as we the customers are paying for their services.
|
Company believes complaint caused principally by actions of third party outside the control or direction of the company | Have received phone calls stating that I owe money. Case pending against me. Wanting to meet me in person to serve papers. Calling family and work stating there is a case pending against me. Not disclosing who I owe or how much. Threatening me in messages if I do n't return their call i will be sued. I have never received written papers declaring any of this.. XXXX different phone numbers working together and wanting me to make payment immediately.
Also said they dealt with a XXXX at XXXX and said I needed to call him for immediate payment or I will be served papers. XXXX and XXXX
|
Company chooses not to provide a public response | I made a wire transfer payment for services to a business in XXXX. Request was made to not to convert and make the payment in XXXX $ only. However, the business in XXXX received payment in local currency. When asked, BofA Wire transfer department confirm that my instructions are to not to convert the currency ; intermediate bank may have converted and asked me to inform the business in XXXX not to touch the money - so that they will help to get the money back and then I can make a XXXX payment again. They money was then taken back from the business but now BofA says they are not sure where the money is and that the intermediate bank is not responding. It has been over a month since the original wire transfer request was initiated and I am concerned a ). for my money and b ). that the business in XXXX needs the payment they may have other penalties and tax implications on their side. c ). I am not getting any answers from BofA, and moreover lastly, d ). now my local BofA rep says I will be charged fees for conversions and back as well as the applicable conversion rates for conversion, even though the banks are at fault. I need help to get ( i ) to recover all my money and ( XXXX ) to find the reasons who is at fault and ( XXXX ) that others do not have to go through this kind of problems.
Thanks
|
Company chooses not to provide a public response | This started when I was a minor XXXX years old, I 'm now XXXX. XXXX XXXX which is now called XXXX, they indicated I 'm past due in an amount of over {$200.00} which I know I was n't. I was reported to Cheqsystems over 7 years ago and I have no idea how to get this removed so I can open an account. I 've done everything on my side to clear it. What now???
|
Company chooses not to provide a public response | I dispute the validity of this debt.
I do not believe I owe this debt for the following reason : The debt is too old and may be time barred. There has been no activity on this debt since 2007.
I request written verification of this debt in the following form:1. I request the date of the last payment made on this debt.
2. I request any and all information pertaining to this debt including date of agreement.
Until such verification is received you may not contact me in any form.
|
Company believes it acted appropriately as authorized by contract or law | Penn Credit Collection called my job requesting payment on a bill I do not even owe. The company keeps changing their number and calls my job and cell phone constantly. I do not owe the debt they are trying to collect.
|
Company chooses not to provide a public response | In 2013 I had to file for a chapter XXXX XXXX. Suntrust is our mortgage company and from the day of the XXXX on they have continued to make mistake after mistake on our mortgage. XXXX off, we did not miss a single payment nor have we. Suntrust took all of our payments and put them in a " secret account ''. Then we got notice that after we completed the documents to continue the ownership of the house, Suntrust falsely reported on our credit that we had not made our payments. Then, we notified Suntrust of their mistake " took 6 months easy for them to realize their mistake '' they then rebuilt our payment history but never took the Credit reporting mistake off of our credit. Then today, 6 months after the XXXX was completed, notified us that they have foreclosed on our house. Once again, we have made every payment electronically and never have received anything from Suntrust to say anything about any lack of payment. We emailed them again and once again, are looking into it. I can provide all documentation off of our Suntrust account and would like this XXXX to end. Any help from anyone else is graciously appreciated.
|
Company chooses not to provide a public response | I was scammed by another Bank of America client through wire transfer, however, failed to file police report due to insufficient information about scammer. I told BOA my situation to cooperate with police, however, I was told there is nothing they can do, refused to release any information, and would not start any investigation internally.
|
Company chooses not to provide a public response | I originally made a dispute regarding a XXXX account in my name. I went ahead and paid the account so I could get it off my credit while I disputed the account with the company and the credit bureaus. The XXXX response I received was that I needed to provide them with evidence that was not previously presented. So I sent them in the proper documentation. I then sent them a letter requesting a description of the procedure they utilized to verify the account. They sent a letter back stating they did n't have to forward any information to the creditor and basically it was not their problem. The other XXXX credit bureaus have corrected this account and it is no longer on my credit report. I also requested them to add a statement to my account regarding an account with XXXX XXXX and they are the only credit bureau who has not complied with my request. I am including the documentation I have relevant to my case. I would like this account updated and/or removed and I would like the statement that I requested added to my credit report. This credit bureau is one of the most difficult to work with because their responses are evasive or they pretend like the request is suspicious. When you request specific information, they ignore the request and send the response back that they want to send. Please help. Thanks.
|
Company believes complaint represents an opportunity for improvement to better serve consumers | We 've been making regular payments to our XXXX mortgage company but the payments have not been applied. They show on our statements as unapplied payments. The statements also show we are past due and this is being reported on our credit. We 've made several attempts to contact the lender, sent an email to their escalation dept but nothing is being done. Meanwhile our credit is being affected and we have close to {$1000.00} credit. How can a company accept payments, not apply them then place a negative report on the consumers credit? We were told by XXXX rep that the ARM was being reviewed but why are we being penalized? Please help us!
|
Company believes complaint caused principally by actions of third party outside the control or direction of the company | Gensis loans have stopped sanding letter of what I still own them. so me assuming I was n't getting a bill from them that I was done paying them. I was going to XXXX college here in XXXX TX. well it was called XXXX instituted and they closed them all down for what I know. so I was told by them that I did n't have to pay no more student loans because there was no account to send money. so I need to know what should I do since I think its unfair for me to pay for a loan that I though was payed for already.
|
Company believes complaint represents an opportunity for improvement to better serve consumers | Our mortgage loan was bought out by Lenderlive as of XX/XX/XXXX Since then we have had nothing but problems. We have been dealing with 2 different issues over the past 4 months with no resolution.
First issue : Our property taxes, due by XX/XX/XXXX STILL have not been paid, and it is XX/XX/XXXX. We have emailed the delinquency letter weeks ago to the escrow department, however our escrow balance has dramatically decreased and nothing has ever been received by our property tax office.
Second issue : We had an open insurance claim when our loan was bought by Lenderlive in XX/XX/XXXX. We provided all insurance reimbursement documentation to which Lenderlive acknowledged they would provide the remaining balance to us.We STILL have not received the last payment of our insurance funds. After XXXX checks returned for insufficient funds from Lenderlive we are still in dissolution and having to email the NSF checks to the company for " further resolution ''. We are extremely dissatisfied with the slow progression of our XXXX different issues. We have gone in circles with a representative on the phone about XXXX a week for the past 4 months. Lenderlive has reassured us multiple times that someone in " management '' would contact us to which NEVER has happened.
|
Company believes it acted appropriately as authorized by contract or law | I applied for a refinance loan with AmeriSave Mortgage. The appraisal came in to low which would have resulted in the need to close my HELOC. I cancelled the loan. AmeriSave has n't refunded the appraisal fee yet.
|
Company chooses not to provide a public response | Experian reported a wrong collection amount on my credit report from XXXX XXXX, XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX. They denied my disputes and refused to provide written explanation. I spend my valuable time and hard earn money to prove that they were wrong. Please see attached documents for detail.
|
Company believes complaint caused principally by actions of third party outside the control or direction of the company | I went to XXXX. Its parent company being XXXX. I attended the XXXX, PA location from XX/XX/XXXX to XX/XX/XXXX. I got a federal loan and XXXX Genesis loan to help pay for my education. I have been paying on the Genesis loans since XX/XX/XXXX. I have paid {$5000.00} interest on a {$10000.00} loan and only paid {$500.00} on the principal balance. I recently found out about the lawsuit against XXXX and the settlement that was reached in XXXX of this year to forgive 40 % of the genesis loans to those who qualify. After speaking with several people at Genesis and the CFPB, I was informed that I needed to file a complaint to have my case reviewed but that I should be eligible since I started late XX/XX/XXXX.
|
Company chooses not to provide a public response | account belongs to son with same name different ssn and date of birth
|
Company believes it acted appropriately as authorized by contract or law | I entered into a contract with Trinity Credit Services and was told that I had to pay them {$890.00} for their services. I paid them on XXXX ( {$300.00} from my visa ), on XXXX ( {$200.00} from my visa ), and on XXXX ( {$200.00} from my XXXX ). The total restoration fee was {$710.00} based on a {$170.00} discount granted me if I agreed now. On XXXX, XXXX XXXX pulled my credit report and I discovered no changes were made in terms of deletions of inaccurate information. XXXX XXXX stated that they were still working on the file. I asked her about the investigation on XXXX XXXX XXXX XXXX. I indicated that this company failed to : state the original date of default, the date the debt was transferred from original creditor to XXXX party debt collector, the original balance, the current balance, and surety bond information. I was told by Trinity Credit Service representative ( s ) to forward all correspondences to their office which I did. This included the collection letter from XXXX XXXX XXXX XXXX. Since XXXX XXXX assured me that they were still sending out investigations, I said ok. On XXXX XXXX, I received a congratulation email from XXXX XXXX who enrolled me in the program and who took my payments for their credit repair services. I contacted XXXX XXXX and asked him what was the congratulation for, he said your XXXX days are up and I said well there has not been any deletions to my credit report. XXXX XXXX said well that 's the way it is but you 're done. This confused me so I called XXXX XXXX who also forwarded me the a similar congratulation email. XXXX XXXX said she was still working on my files and to disregard XXXX XXXX
XXXX XXXX. I asked XXXX XXXX again as to what they were doing on the XXXX XXXX XXXX XXXX collection case since a review of my file showed XXXX investigations. I told XXXX XXXX that I forwarded a complaint against this company to the Texas Attorney General Office under case # XXXX. When I also mentioned the XXXX XXXX case and the XXXX XXXX auto loan account as being delinquent. XXXX XXXX said that she was still working on my file. On XXXX, I spoke to the receptionist at Trinity Credit Service and requested proof of the correspondents forwarded to the original creditors and collection agencies on my behalf from the owner of the company and all return responses of these creditors and collection agencies. The receptionist said she would pass my message to the owner of the company. I told her to have their staff to continue working on my file since that 's what I paid them to do. It appears that this company has engaged in deception trade practices and has violated the Federal Credit Repair Organizations Act ( 15 U.S.C. 1679 ) by misrepresenting what it could or could not do, by altering the days of cancellation, and by collecting money before all promised services are performed. In terms of deceptive trade practices, this company never contacted any creditors or collection agencies ; therefore, they are unable to provide me with documents send to the collection agency as part of their investigation and the responses of the collection agency and other creditors in verifying the alleged debts.
|
Company believes it acted appropriately as authorized by contract or law | I posted dated a check and mailed it for XXXX/XXXX/XX/XX/2015 for my mortgage payment as my mortgage company will only take online payments if all the late charges are paid at once ( also illegal ), and the check was cashed on XXXX/XXXX/XX/XX/2015 which cost me over {$70.00} in over draft fees with my bank. XXXX XXXX XXXX needs to be investigated.
|
Company chooses not to provide a public response | Due to a " Regulation D '' violation ( too many transfers ), my savings account through Citibank , N.A . was closed on XXXX XXXX, 2015. All correspondence up to that point indicated that the funds from that account ( {$4100.00} ) would be transferred over into my Citibank checking account. It it currently XXXX XXXX, 2015 and those funds are nowhere to be found. Every Citibank representative with whom I have spoken has given me a different answer as to when I can expect to receive them ( including the XXXX week when no mention of a check was made, whatsoever ). At this point, I have absolutely no idea when I can expect to receive this money, and Citibank has been no help to me at all.
|
Company chooses not to provide a public response | I sent a wire transfer from my bank to a receipient in XXXX to purchase products but the receeipent said they never received the funds. I called my bank several times requesting to get my money back but I was told to contact the receipient. the receipent is allways saying they never got the money and my bank is saying to contact the receipient. I allways thought money transfer is a safe way to send money but not in this case Please help me get my {$550.00} USD
|
Company believes it acted appropriately as authorized by contract or law | PennyMac has withheld funds for more than 60 days preventing us to have the insurance money ( XXXX XXXX ) to get our home repaired. They claim numerous times that there is missing paperwork, even though we have sent it by XXXX Mail ( XXXX ) as well as by fax. Each time we call to check on the 'status ' of our claim, we are told a different story by a different claims rep. For instance, when we called on Monday the XXXX of XXXX, we were told our endorsed checks had arrived and would take " up to XXXX hours '' to process. When we called back Wednesday the XXXX, we were told " The checks were not yet in the system and it could take 7-10 business days for them to clear ''. Each call is a different story with conflicting truths and timelines. We called five ( 5 ) days in a row asking to speak to a supervisor and was told each time, " You are on the XXXX hour call back list '', yet have not been called back ... not even once. We were informed that only XXXX of the funds would be disbursed at a time unless we submitted a request for 50 % release of funds, which we immediately did. Less than a week later we were told that " The Investors never approve more than XXXX. '' It is now more than 60 days since the XXXX check from our insurance company was issued to fix our leaky roof and still pennymac is holding that money hostage with lies and deceit.
We are in the midst of the " rainy season '' here in XXXX Arkansas, and each day brings more rain that flows through the roof into our home, onto the floors, subfloors, floor joists and foundation. The damage that is occurring is tremendous! We need a new roof ... now!
A roofer will not fix it for free with the promise of some mortgage company that the money will be sent XXXX day, and we do n't believe they should either.
Pennymac has dropped the ball in this case and is causing our home to become ruined with water, mold and rot. We want pennymac to fix the roof and all other damaged components to the home due to their neglect and willful withholding of insurance funds for repairs. We want pennymac to be fined for violation of section 6 of RESPA concerning timely payments of escrow accounts.We want pennymac to pay punitive damages for the stress, hardship and trouble they have visited upon us. We want compensation for pain and suffering. If the mold and nastiness caused by our leaky roof causes any sickness to our family, we ask pennymac be responsible for all hospital and loss of work due to illness. Pennymac should be penalized compensatory damages for their egregious conduct.
|
Company chooses not to provide a public response | It has been over a year since we have been trying to get a response from Wells Fargo mortgage regarding a short sale of our property. We have a lawyer working with us and she just sent me an email requesting that I file a complaint about Wells Fargo. She said that Wells Fargo has stated that it is stuck in " Mortgage Insurance '' and that is what is causing the delay. We have a buyer for the house who will bale-out if we do n't get this to settlement. We could no longer afford our mortgage payment so put the house on the market and we are renting another place. We applied for XXXX loan modifications through Wells Fargo and they were turned down. In 2008 we refinanced to an interest only loan of 8.28 % thinking that we could refinance later on. Well that is when the market fell our and our home value took a " deep-six ''. We want to get this resolved asap. We are still paying utilities on the other house as well.
|
Company chooses not to provide a public response | When I left my previous employer at the end of 2014, I had a balance on my Citibank work credit card of {$130.00}. Because I never received a bill from Citibank for this amount, I forgot about it. Three months later, I received telephone messages from Citibank. I investigated the issue, discovered what had happened, paid not only the balance, but also the late fees of {$9.00}. Citibank continued to call me, leaving automated messages. I returned their call again, and was treated abusively by a Citi employee, who claimed the post office must have failed to deliver the bills they claimed they sent me monthly. I informed them I had sent them a check for the full amount, including late fees last week. I asked that they not impact my credit rating, considering that they never sent me a final bill and I had sent in my payment. They told me they had already reported me to credit rating agencies, impacting my near perfect credit record. I was insulted by their employee 's behavior and the treatment in general. I do n't believe I have ever missed a payment before in years and years of using that card for work. I paid on time, every time. All I required was for them to send me a bill, and I paid each XXXX promptly.
|
Company chooses not to provide a public response | I disputed with XXXX and answered my own questions correctly but could n't dispute because it said I answered them wrong. I think I know about my own history. I disputed with Experian but they have yet to even acknowledge my dispute- the information is either not an account of mine because I have n't had an active cell phone in my name in years or is time barred for reporting purposes/legal ramifications. The company, XXXX XXXX itself withdrew the collection and sent back to whatever company ( XXXX ) that it bought the debt from. Yet the damage has been done to my score - on XXXX I lost XXXX points! Unbelievable that people -with no actual proof -can damage someone 's credit reputation. Good job credit bureaus!
|
Company believes it acted appropriately as authorized by contract or law | i had closed a checking account on XXXX/XXXX/14 with a XXXX dollar balenceand i tried to withdraw this and the bank said they did not owe me.
i received a letter from XXXX saying i owe them XXXX!
they put this on my credit report after i tried to resolve the issue with them. i found this out after i had applied for credit and was denied. they also stated that i closed the account on XXXX/XXXX/2014 in wich someone had just scribbled in on the statement they had sent me. i have the original statments from the bank proving this.
|
Company believes the complaint is the result of a misunderstanding | I sent a written a communication to this collection agency. The letter was returned through postage stating address unable to find. No ability to dispute claim given.
|
Company believes it acted appropriately as authorized by contract or law | Jefferson Capital Systems is attempting to collect on a debt that is illegal to collect on due to the Statue of Limitations in the state of Minnesota and Ohio.
|
Company believes it acted appropriately as authorized by contract or law | Jefferson Capital Systems is attempting to collect on a debt that is illegal to collect on due to the Statue of Limitations in the state of XXXX and XXXX.
|
Company chooses not to provide a public response | Hello I had a bank account with Bank Of America, the account was changed to an online E account after spekaing with an agent there and explaining my financial situation, it was decided it 'd be decidingly the best approach to avoid fees.
Upon making the desired change the agent told me flat out that the account would n't be subject to closure for as long as I did n't make any such requestNow upon a conversation with BOA client solutions as well as their Account re-activation team the account was closed because it went dormant, well that 's not a surprise but I told the agent who made my account change that I may have no choice but to not sue my account for a long time while I pay down my debtload, and that 's why he suggested the E-Service Bank account.
Now what makes this interesting is, I did n't clsoe the account my self, it was done by the Bank it self, I did n't receive any notifcation or statements via e-mail from the bank the account was going dormant and as per their policy, my information is onfile with them for 7 years after an account closes, and they told me from their own Re-activation team since there 's no balance owing, their XXXX team should be able to fully restore my account.
See i 'm actually a XXXX citizen and when I opened my account it was less restrictive for account opening policies, I had used my Passport to open this account, as well as a ID card and some other id, I had no issues at all and I was able to use my XXXX address to open it, Now I 've been told that the rules have apparently changed and a XXXX address is required to open a new account, Bank OF America states this is becaus eof the XXXX, well you no what I 've been a member of XXXX Bank and XXXX Bank in the XXXX and they say they 'd be more than happy to use my XXXX address to open my bank account with the correct ID, this policy is discrimatory a person should be able to open a bank account anywhere if there Identifcation is verified ( which is all government issued anyways ).
The fault here lies with Bank Of America for failure to notify me as the status of my account status, even my online account still works.
The account now that I had with them is no longer being offered by the bank and that 's fine I do n't mind switching to their Core cheqing account.
Also another matter is the account where I opened this account XXXX XXXX, Me closed down XXXX years ago, as Bank Of America decided to close down a few locations, so I would like to no if this had any bearing on my account as well, as my home branch was shut down and I had no indication of where my new branch would be located.
The branch in question was XXXX hours away from where I live in XXXX, NB, XXXX, now the closest is in XXXX, which is 3.5 hours away.
According to Bank Of America, my last activity on my account was in XXXX of 2011, it shut down I beleive in XXXX of the same year, well as previously stated I was paying down debt told the agent my intent and was told no problems would happen as my account was a new account and not the old Myaccess account I used to have as XXXX XXXX Keep the CHange Savings.
Now my situation is even more burdensome as mentioned now because of the Banks new policy towards non resident aliens, the fact the bank is now requring me to have a full time u.s residency is absurd, thousands of XXXX and others visit the XXXX and open Bank accounts in the XXXX and freely travel back and fourth and have bank accounts in both countries.
AS stated they still have my XXXX account on file, and said they could re-activate a closed account if no outstanding fees, and they are failing to go on their words.
Thank you.
|
Company believes it acted appropriately as authorized by contract or law | I had a debt with XXXX XXXX XXXX in XX/XX/XXXX and paid it off XX/XX/XXXX. It never showed on my credit report before now after it was pais and this company Focus RECIEVABLES Management IS ON MY CREDIT REPORT SAYING ITS UNPAID. IVE TRIED NUMEROUS TIMES TO GIVE THEM A CALL TO REMOVE IT, PROVIDED PROOF AND IT IS STILL SHOWING ON MY CREDIT REPORT.
|
Company chooses not to provide a public response | PUGET SOUND COLLECTXXXX XXXX, XXXX ( XXXX ) XXXXXXXXThis debt is apart of my bankruptcyXXXX XXXX COUNTY REFUSE XXXX
|
Company chooses not to provide a public response | I am receiving demands to pay a debt to a collections agency from a For-Profit College. I have student loans that should have covered this cost. I do not understand why this debt is on my credit record. I am not disputing my student loan claims. Why do I have this extra cost?
|
Company chooses not to provide a public response | I got home from work on XX/XX/2015 and my wife gave me a message that a debt collector named XXXX from XXXX XXXX called my mother in laws house. She had told my mother in law that she needed to talk to me about repossessing something. I called the number immediately and left a message saying i was very upset about her phone call and to give me a call a.s.a.p. I got a call from XXXX the next day around XXXX, she was instantly hostile towards me about the message I had left and called it " XXXX '' and then proceeded to harass me about my debt that I owe on a jewelry credit card. she told me i was a loser for not paying for my wife 's jewelry and asked me sarcastically " how old are you ''. She also told me that she was going to get a police escort, find me and take back my wife 's jewelry, she said she already had my mother in laws contact information and was going to start there. she continued to belittle me and after trying to explain that I had lost my job and gone through some major family issues she told me she did not care and to start paying my bills before the cops come looking for me. After hanging up on me I called back to see what I could do to not have some weird people or the cops knocking on my Mother in laws door. she told me she had already submitted the claim for repossession but she might be able to work out something and she would call me back. when she called me back she gave me some options that I could not do and I said " i guess you have to do what you have to do ''. After that I called my mother who has been in XXXX for almost XXXX years and told her what had happened. She immediately told me she had broken all sorts of laws ( ex. not telling me that the call was being recorded, abusive language, talking to a third party about my case ) and that I should call the jeweler to make sure that it was not a scam because XXXX from Summit Receivables was very unprofessional and if it was not a scam that I need to file complaint with the CFPB. I called XXXX from Summit Receivables and asked her for her name and other information about her company, she refused so I told her I was filing a complaint with the CFPB and she proceed to laugh at me and tell me to just shut up and pay my bills then she hung up on me again. I called the jeweler and the sent me to XXXX who was taking over the debt. XXXX from XXXX was very helpful and filed a complaint with his company and agreed that what had happened was very unprofessional and XXXX had broken alot of the guidelines debt collectors have to follow. XXXX also told me that the whole " repossessing '' thing was a lie and the companies name was Summit Receivables and not XXXX Repossessions like XXXX had told me. My biggest thing in all this is I understand I have a debt that is unpaid but alot of uncontrollable circumstances went into me not being able to pay that debt. if you look at my past payment history it was flawless. XXXX was abusive and humiliated me to my mother in law with lies about taking jewelry away from my wife. people like this should not be allowed to have jobs like this if they have 0 people skills and 0 selfcontrol
|
Company chooses not to provide a public response | In XX/XX/XXXX, I contacted Transunion requesting that information on my credit report be updated to show the correct status. The accounts listed below were all included in my bankruptcy in XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX and XXXX XXXX. These were the only accounts that I asked Transunion to update to show included in Bankruptcy. Transunion went in and updated all of that information as requested, sent me an email stating that your request is complete and XXXX month later, after the request was complete I received an email from XXXX XXXX indicating that Transunion had removed XXXX more accounts from my credit file. The XXXX that they removed were XXXX Account # XXXX which was opened XXXX, pay status : Paid or Paying as Agreed and XXXX Account # XXXX which was a joint account opened in XXXX Pay Status : Paid or Paying as Agreed. Prior to Transunion removing these XXXX positive accounts from my credit report my credit score was XXXX. After they removed these accounts my score has fallen down to a XXXX. I have contacted Transunion XXXX concerning this matter and have asked them to correct their error but they simply refuse to do so. I was told by XXXX of Transunion Reps that I had asked that those XXXX items be removed from my account and when I told them I had not and if they had proof could they send me proof that I had indeed disputed those XXXX items I was told by the rep that they could not send out that information even though it was supposedly on the letter that I sent them and during my XXXX call asking Transunion to fix the errors I was told that if I wanted proof that I would have to get a court order for them to send me a copy of the letter showing that I disputed those XXXX items. I never disputed those XXXX items because they were reporting correctly and I would not have had a reason to do so. They simply removed positive information from my credit file, demolished my credit score that was finally improving after many years of it being poor and then to add insult to injury the rep that I spoke with along with the supervisor said there was nothing they could do and if I wanted those items to be included in my credit file again I needed to contact the creditor and she hung the phone up in my face.
|
Company chooses not to provide a public response | Last year I pulled my Free Credit Report from Experian on XXXX/XXXX/2014 for my wife and myself. Immediately after pulling XXXX Free Credit Reports I called to cancel the credit monitoring service.
After canceling this I noticed several months later to my surprise that I had been billed for the service that I canceled. When I called Experian they conveniently has no record of the XXXX calls I placed to cancel the service and refused to refund me for more then the XXXX month basically telling me that it was impossible that I called and that if I had called they would have a record.
I filed a complaint with the CFPB last year and was able to get some help and Experian reconsidered and refunded my money in full.
Fast forward to today. I received a XXXX, XXXX, XXXX, and XXXX charge on my MasterCard from Experian. After several months of thinking this was resolved I have new charges exactly 1 year after my initial Free Credit Report was pull. I have new charges billed to me in the amount of XXXX.
I called today to Experian to have these charges refunded and they told me I would have to dispute them with my credit card and they do n't know how they got on there.
I would like to charge Experian with conspiring to defraud consumers. There is a systematic convenient failure of their system which favorably increases their revenue.
I am looking for a refund, but more importantly and complete investigation of their business practices as I can only imagine how many other unsuspecting folks are also victims of this abuse.
I sincerely hope that the regulator that reads this plea for consumer protection is not pencil whipped, but that a complete investigation is opened to investigate these claims as I believe it has absolute merit.
XXXX, XXXX XXXX
|
Company chooses not to provide a public response | I have never lived at XXXX XXXX XXXX. XXXX XXXX, XXXX, MA XXXX, as is erroneously reported on my Experian credit report. I have also never lived at XXXX XXXX XXXX. XXXX XXXX, XXXX, MA XXXX. I need for XXXX of these address to be removed from my credit report. I have also legally changed my name from XXXX XXXX to XXXX XXXX. I have provided my creditor with this documentation and they have not updated my name on my records.
|
Company disputes the facts presented in the complaint | I lost my job shortly after purchasing my vehicle. I 've tried numerous of times to set reasonable arrangements on both my personal and car loan. I 've asked for clarity and everyone seems to provide different information. The branch manager was very rude and unhelpful. I went higher up the chain to the DM XXXX XXXX. XXXX is horrible. She 's also very unhelpful and argumentative. Each time I 've contacted her for information about my loans and options, she 's given me inaccurate information. I visited another the branch, and they were only able to produce 4 months worth of payment history. No one can answer my question of " who is above XXXX?. '' I 've never seen business like this. I 've visited other branches in the past and received much better care. I 'm just shocked that XXXX would have someone like her in a management role.
|
Company chooses not to provide a public response | I was charged for two months by XXXX that was unauthorized on a USBank secured credit card. I did not authorize XXXX XXXX to charge my credit card after XX/XX/XXXX. I paid cash for XX/XX/XXXX, and ongoing. In XX/XX/XXXX, I was charged for two months ... XX/XX/XXXX and XX/XX/XXXX, even though I was denied access to my storage unit, and the owner forbade me from accessing my property, starting on XXXX, even though his normal policy is that I am not locked out until after the XXXX of each month, and that I may still keep my bill current, as long as I pay by the XXXX of each month. On XX/XX/XXXX, the owner, XXXX XXXX denied me access to my belongings. This is in addition to locking me out on XX/XX/XXXX. When I contacted the credit card company, USBank, they told me that I still had to pay these charges. No. I had already acquired a different storage unit at another facility, starting on XX/XX/XXXX. There was no reason for me to pay for two months for no reason, especially since I did not have access to my property!!! Not only that, but I was homeless, and my blankets were in there, and I froze for most of the month of XXXX! Not only that, but since he charged my credit card for two months, I was unable to purchase a bus ticket to California, to be with my son, and rent XXXX rooms together. My credit is ruined, and I am unable to pay this amount. Not only that, but it is extremely unfair. I had told XXXX XXXX in XX/XX/XXXX, that I was unable to pay for XX/XX/XXXX, and would he help me move my stuff to another storage facility. First, he said he would move my stuff with his free truck, advertised with his business, then he offered his personal car, then he changed his mind and offered a different storage unit, free of charge for two months, then, on XX/XX/XXXX, he changed his mind altogether and stole all my stuff. Then, in XX/XX/XXXX, he charged me for two months, and said if I did n't get my stuff out immediately, that he would charge me for XX/XX/XXXX, as well. This is just crazy. I explained all this several times to US Bank, but they are still charging me, and even though I told them not to apply my deposit held in my account toward this bill, they did anyway. And they call me on average, of XXXX 's a day, including Sundays. I do not owe US Bank, nor XXXX XXXX, nor XXXX XXXX one red cent. It 's absolutely preposterous.
|
Company chooses not to provide a public response | THIS IS NOT MY DEBTDear XXXX, Dear Billing Dept Manager, I am writing this letter to confirmed that this is not my debt. And stop contacting me.
I do not have any responsibility for the debt but you 're trying to collect. And you did send to RPM Collector.
I am very upset to received this notice from you and RPM Collector LLC.
I have paid on XXXX/XXXX/2015 with total {$100.00} by my credit card XXXX at XXXX XXXX XXXX # XXXX XXXX, XXXX, CT XXXX. ( Reference receipt ). After 7 days I have received XXXX more bills, I did call to Customer Service to make sure, and the teller told me " you paid already ''. Later a week, I am still received XXXX bill and RPM Notice on XXXX/XXXX/2015.
And I did send the letter to answer about this debt at RPM on XXXX/XXXX/2015 but I am still received another letter to collect money from RPM again on XXXX/XXXX/2015.
So I need you have to verify with your Billing department 's XXXX about this problem.
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that.
Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt.
If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed.
If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Thank you for your help, Sincerely,
|
Company chooses not to provide a public response | The bank would not provide assistance in a loan modification request.
|
Company chooses not to provide a public response | I have a credit card with continental finance which was opened XX/XX/XXXX. The account has maintained a good payment history since. At the time it was opened it was reported to all XXXX credit bureaus. however, there were duplicate accounts on all three. I had only XXXX credit card, but XXXX accounts were showing. I accurately, disputed the XXXX duplicates and left the XXXX accurate account out the dispute in XXXX subsequently, all my accounts were removed. I recently have written the customer service dept and faxed a formal dispute dated XX/XX/XXXX after my initial faxed letter, dated XXXX XXXX, was evidently faxed to a wrong number provided to me by customer service. the latter letter ( XX/XX/XXXX ) have been verified by a supervisor I been corresponding with via many emails over the past XXXX months by the name of XXXX XXXX XXXX, supervisor as being received. he also has been adamantly conveying, again in writing ( emails ) that this my account would be reinserted. I have patiently waited since XX/XX/XXXX to no avail. this three year old good standing account is still not reporting after I disputed it in XX/XX/XXXX. AT THIS POINT, CONTINENTAL FINANCE HAS VIOLATED MY RIGHTS UNDER THE FCRA BY NOT RESPONDING TO MY DISPUTE IN 30 DAYS. To date, as recent as a few days ago, XXXX XXXX jones is still assuring its being handled. He emailed me exactly what to put in the letter, stating to add " I am asking that continental finance reinstates this tradeline to my credit report '', which I have complied and have documentation. however, I am not receiving credit on my bureaus for this three year old account which is positive. I feel like im getting nowhere. I spend ample amount of time calling and corresponding with XXXX XXXX. Each time, he assures me its gon na be reinserted, but have not.
|
Company chooses not to provide a public response | I had called the company when my husband had gotten very ill. We had arrangements made but there is no history of this occurring to their records. The credit card is being reported after being verified on all three credit agencies. Here is an example of XXXX.
XXXX Payment HistoryYear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * XXXX XXXX XXXX XXXX * * * * * * * * * * *Payment History KeyYou can see in XXXX when my husband got sick, we had arrangements made, and we were supposed to begin deferred payments but the card was closed. This is not what was agreed to. I need help getting these inconsistencies removed from my tradeline they are destroying me. At first I wanted my card back because that was the original agreement now I just want it paid and removed from all three agencies due to all the mistakes, communication, and discrepancies.
|
Company chooses not to provide a public response | I made a timely payment to XXXX Bank for my XXXX credit card payment beginning with XXXX. Due to an error on their end it was not processed and incorrectly reported to all credit bureaus. XXXX Bank agreed to notify all XXXX credit bureaus to remove the late reporting on my credit report and issued a letter on XXXX XXXX, 2015. I notified Experian on XXXX XXXX, 2015 and on XXXX XXXX, 2015 to remove this incorrect information from my report. I also called them and uploaded the letters from XXXX Bank on their website. Despite numerous requests they have not removed this information from my credit report. The other XXXX agencies XXXX and XXXX have removed this information as of XXXX weeks ago. These actions by Experian are in violation of the credit laws established as they have not adhered to the XXXX or XXXX day deadline from my XXXX/XXXX/15 notice. Please have them correct this immediately.
XXXX XXXX
|
Company chooses not to provide a public response | The credit reporting agency will not allow me to file an additional complaint.
The creditor on my credit reports is reporting my car load status is repossession. It should state paid as agreed.
|
Company chooses not to provide a public response | I was approached by XXXX at Home Depot, Store # XXXX, XXXX XXXX XXXX, NY XXXX, to open a credit card account. Heopened an account and told me no interest for 6 monthson purchaes for {$290.00}. So I bought a small refigerator formore than {$290.00} on XX/XX/XXXX. I made min. payments on time. But in XX/XX/XXXX theybut they added interest from XX/XX/XXXX, despite what XXXX, their employee, told clearly that interest would accrue aftersix months. So this is totally wrong and has to be correctd by Home Depot.
|
Company believes complaint caused principally by actions of third party outside the control or direction of the company | I was enrolling at XXXX college, XXXX, and was encouraged to take out a private loan by the advisor I was speaking to and when she told me that XXXX was not covered by federal loans and that I had to pay out of pocket while in school to be eligible to remain and complete my course of study. I knew I could n't pay that and I did not even have a job so I could not pay if I wanted to. My partner at the time was also present and was asked by the admin department advisor, if he was willing to help me with that portion of the money so I can attend. He agreed and they enrolled me that fast. Now we r not together and he did not pay the loan, I got stuck with it and now I am falling behind what are my options when I did not need to create a debt in order to attend school and now he forgot he agreed to help me pay that. So how does that work, I am trying my best but I am still struggling because of that loan from genesis lending. That service is not even worth the problems a lot of XXXX students have experienced, they ca n't even show you correct detailed information online or on paper for that matter, and now they are getting sued for putting that kind of burden on student 's that are trying to get an education to make money when they when they get a job .... How would I be considered for a discharge on that part of my student loan, I believe that I am paying for something that I should not have to when I did not have income and my ex partner was the responsible party when he agreed to pay that part.???
|
Company believes complaint caused principally by actions of third party outside the control or direction of the company | I had taken out a pay day loan with this lender for {$300.00} plus {$90.00} for interest. I have been paying on this loan since XXXX. I was contacted by XXXX doc, who has been working as my mediator to collect a lower payment. Meanwhile, this lender has contacted me at work and threatened to contact my payroll department and threatened to have me arrested. They continue to call my cell phone number and send me threatening emails.
|
Company chooses not to provide a public response | I have had a checking account with Suntrust Bank since XX/XX/XXXX. I have a direct deposit go into my account monthly. I am a XXXX. I own XXXX rental properties. XXXX tenant pays rent with money orders, and the other pays with a personsl check from his Suntrust account. On XXXX XXXX, I deposited a {$750.00} money order given to me by XXXX tenant, and the next day I deposited the other tenants {$500.00} personal check. XXXX deposits showed up on my account ledger balance by XXXX/XXXX/XX/XX/XXXX. The tenant who gave me the Suntrust check for {$500.00} had stopped payment on XXXX, after I had already deposited for some reason. Suntrust then placed a hold on the {$750.00} money order until XXXX, telling me that they were unable to verify the money order. I had a copy of the money order and called XXXX XXXX and was told it had been paid on XXXX. I called Suntrust on XXXX and they would not release the hold, and then informed me that my account was being closed because of suspicious activity. I visited a Suntrust branch and was told it was the stop payment placed on the {$500.00} rent check my tenant gave me that prompted my account to be closed, but also was informed that his check was a good check regardless. I was blocked from online account access, and being a week before the XXXX tax deadline, this caused a big headache! I also pay bills online the XXXX ten days of the month, and payments were returned, late charges applied, and no valid reason for the paid money order to be held during this time by Suntrust. I was told repeatedly rhat I would receive a letter in the mail explaining why Suntrust closed my account. The letter came XXXX, it only stated my account was closed due to fraudelent activity, according to the bank 's rules and regulations. The decision is permanent and I would receive any remaining funds in my account by mail within 3 days. The letter was dated XXXX/XXXX/XX/XX/2015. No other information or apology is given. Suntrust put me in a financial crisis. Two weeks with no debit/atm card, no cash, bills not paid, creditors calling, not able to take action against tenant in a timely manner, Income taxes not finished, and no answer to why all this is happening.
|
Company chooses not to provide a public response | There is a certain debt collector known as Central Portfolio XXXX that is repeatedly calling and harassing my poor old XXXX year old grandmother on the basis of a debt I DO NOT legally owe. I am a resident of XXXX, where the debt should have expired last year, yet they call her at her number in XXXX, where I do not know how they got that number, as I have had no communications with them. What actions should I take to assert my rights and my grandmother 's privacy?
|
Company chooses not to provide a public response | As I was in the middle of a chapter XXXX, on XXXX XX/XX/XXXX, the XXXX bank sold and bought my house with out advising me on XXXX XX/XX/XXXX an improperly way he is the seller and the buyer at the same time. it is unfair practice. the XXXX Bank cam in XXXX XX/XX/XXXX in the Bankruptcy Court asked the juge to remove the block they made in the House.I am crying for help this morgage already had to much violation on it.
|
Company chooses not to provide a public response | My Bank of America Credit Card statement balance was paid in full before the due date, and I was still charged a fee listed as a minimum interest charge. I called customer service and explained that the statement clearly showed that my previous balance minus my payments & other credits added up to zero, just like the previous month when no interest fee was charged. But, the customer service representative told me it was Bank of America 's policy to still charge me a minimum interest charge regardless, and emphatically stated that this policy was not going to change. I believe this is a misleading and deceptive practice by Bank of America, that is in clear violation of my credit card agreement, and should be illegal.
|
Company chooses not to provide a public response | I would like to report Southwest Credit, which is attempting to collect a debt on behalf of XXXX. I had automatic bill payment with XXXX. I cancelled my XXXX service when I moved, and promptly sent back the equipment. Somehow, XXXX is claiming I have an outstanding debt and is trying to use Southwest Credit to get that back from me. Alternatively, Southwest Credit is purely a scam trying to get my credit card information.
Please instruct XXXX and/or Southwest Credit to leave me alone, as I do not owe them a dime. I am paid in full with XXXX and will mercifully never need to use their services again. Please also let me know if I need to report XXXX 's practices to the FCC, as I know I am not the first person to have an issue with XXXX 's terrible approach to customers.
|
Company chooses not to provide a public response | I disputed the address with TransUnion on the Public Record because it is not mine and they refuse to comply to my FCRA rights. The address for this case is not mine nor on my file yet they verified it as accurate. That is impossible because the address is n't the same as my addresses. How can they say they verified the address if it is different than any address I have? The rep tried to tell me they spoke with the court directly, which I know is not true. I asked the clerk and she said they are far too busy to be dealing with credit bureaus. She suggested I dispute the address because they wo n't be able to verify it and will have to delete it immediately. Well, I did everything she said and come to find out the XXXX party that trans union used verified this account regardless of the address not being verifiable. Is n't that subject to a fine or something for lying about verifying the address? I am on the verge of small claims court but I figure that 's XXXX way to upset them permanently! All XXXX bureaus are fighting me and I 'm to the point of suing every XXXX of them! Please remind them that when they ca n't verify something they need to delete it. Thank you very much! I attached the petition from the case # for purposes of verifying the address, which is highlighted. This is a case of them lying to prove themselves right yet they continue to violate my rights!
|
Company chooses not to provide a public response | RE : XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONDear Consumer Financial Protection Bureau-SUPPLEMENT TO XXXX XXXX, 2015 DISPUTE TO COMPLAINT NUMBER:XXXX ( XXXX ) Again, I do not owe BOA for a XXXX rental car where their XXXX representative ( located within the landrover car dealership at XXXX XXXX XXXX XXXX Georgia XXXX ) have pushed unauthorized charges on closed accounts at both XXXX bank and on an ebanking account with bank of america. What they are doing and have done constitutes BANK FRAUD. I do not owe XXXX rental car anything especially when OVERWEIGHT, DUMB SHERIFFS ACTING ON LAWYER JUDGES INAPPROPRIATE ORDERS FALSELY ARREST ME, XXXX, WHEN I AM ATTEMPTING TO RETURN A COMPLIMENTARY RENTAL CAR I DO NOT WANT ... NEVER DID.
Now, I am STRONGLY advising your BOA to remove their DELINQUENT AND FRAUDULENT BOA AMOUNTS OUT OF MY NAME BECAUSE I OWE BOA N-O-T-H-I-N-G AND NOW you ARE OBSTRUCTING JUSTICE. PLEASE REMOVE YOUR DESPERATE MEANS OF COLLECTING ON A DEBT I DO NOT OWE. IF YOU DO NOT, I KNOW WHOM IS EAGER TO HELP YOU REMOVE YOUR DELINQUENT\FRAUDULENT BOA AMOUNTS AWAY FROM ME, XXXX XXXX BECAUSE I OWE THOT BOA UNEQUIVOCALLY NOTHING.
I have walked into your local branch banks XXXX times with ALL THE EVIDENCE TO REMOVE XXXX XXXX. This is MY LAST REQUEST.
Sincerely and Respectfully, XXXX
|
Company believes it acted appropriately as authorized by contract or law | I previously filed a complaint with CFPB against XXXX XXXX and their collection agency, Louisiana Recovery Services. I asserted that the debt should have been submitted to VA to be paid. In their response, they asserted that they mailed letters that were returned ( which means they had the wrong address ). Also, they said they called me through some sort of robocall. But, never spoke to me. Certainly, if they would have spoke to me, I would have told them what I requested initially and now, submit the bill to VA.
Also, in their response to the CFPB complaint, they said they would submit the bill to VA. However, when I called VA 2 days ago, I learned that they never submitted the bill for payment. However, when I called Louisiana Recovery Services and spoke to XXXX XXXX, while VA representative XXXX XXXX was listening, XXXX XXXX falsely asserted that they had submitted the bill to VA for payment on XXXX XXXX, 2015. But, she was shocked when VA responded that was not true, and requested the payer ID number, which they could not provide. XXXX XXXX then provided her with the payer id number, and requested that Louisiana Recovery Services submit the bill. Also, XXXX XXXX asserted that Agent for Louisiana Recovery Services, who told me that she was a lawyer, XXXX, was in fact only a collection agent. VA agreed that it appears that they are deliberately refusing to send the bill to them for to avoid getting reimbursed the minimal government rate of charge, as opposed the over {$1700.00} they billed me personally. Why collect {$250.00} from VA, when they can try to collect so much more from me by holding my credit hostage. This is deceptive and unfair credit practices.
|
Company believes it acted appropriately as authorized by contract or law | On XX/XX/XXXX hours finance a XX/XX/XXXX Ford Focus from Car Hop XXXX acceptance court right off the bat I noticed some we 're grinding noises and vehicle ran rough I ask the dealer about this and he told me that I could just take it down to XXXX of their specified shop then they would fix anything wrong with the vehicle for no cost me for the first visit but also stated that after the initial visit to the repair shop all repairs would have to be approved by the warranty department so being a little naive to the whole car buying leasing financing situation and being totally stoked I even got approved I drove away in the car on XX/XX/XXXX I took the car to XXXX XXXX XXXX XXXX in missing work that day if the car was in the shop until the XXXX of XXXX when I was finally contacted by Car Hop after several attempts to contact them they told me that the warranty company would not approve the problems that the car had and asked me to come down to the shop on XXXX XXXX I called into work and XXXX ride down there to the shop long story short they wanted to trade me out cars because they did n't want to fix before they gave me XXXX options to pick from none of which were anything special I chose to go with the Pontiac Grand Am GT after test driving it and having a friend briefly look it over the car seems like it was in good condition within a few days of having the car I started to notice it ran a little hot and when it would get hot it would shift into and out of gear with a hard kick I also noticed there was some weird slushy stuff in the coolant so I took it again to XXXX XXXX XXXX XXXX where they did a full diagnostic on the vehicle and sent the results to the warranty company once again to be denied I tried numerous times to get a hold of somebody at Car Hop and at the warranty place only to be given the runaround for two days and having to pay 78 dollars to get my car out of XXXX XXXX XXXX. the warranty company denied the work that needed to be done claiming they no longer do business with XXXX and told me they wanted me to take it to their shop by Car Hop called XXXX & XXXX auto. When I took it to XXXX & XXXX Auto on XX/XX/XXXX with the same problems but even worse then before the man called me the next day and told mgr he did n't find anything wrong with the car so I argued with him a little and got him to agree with letting the car heat up got a little bit and then test drive it he says he did that and he going some spark plugs misfiring he sent that work to warranty company and again it was denied and again I had to pay 78 $ to get the car out of the shop. It 's a hole lit to explain even more than what I 've explained here but these people are really doing some shady business and I really need some help cause I have no idea what I 'm doing
|
Company chooses not to provide a public response | I have received several phone calls at work and my work has been contacted by the company for employment verification. I have spoken to CKS and asked that they not call my work but rather my personal phone number. They also continue to call my family which I have asked they discontinue doing as well.
|
Company chooses not to provide a public response | There has been a judgment on my credit report from XXXX XXXX that I 've always assumed was mine since I originally had a XXXX XXXX Card. I 'm in the process of buying a house and pulled my credit report and there was another collection from XXXX XXXX. I called the collection company and verified that was actually my account and paid it. I then called the company in charge of the judgment and found out that the social security number does not match my name. I contacted XXXX XXXX who admitted that the account was fraudulent and that they will have it removed but it 's still on my credit report. I 've always indicated that I 've only had XXXX XXXX XXXX account so I would like them to clear this up and take this off my credit report.
|
Company chooses not to provide a public response | XXXX XXXX University offered me a No payments no interest loan for the balance of my tuition after I graduated I was told that I would n't have to pay every month but I should pay some every once in awhile there was no minimum fee and no minimum payment after a year I found out it was put to collections. once I found out it was in collections imediately negotiated a prompt settlement for {$2000.00} that was due by XXXX XXXX I completed payment of {$2000.00} on XXXX XXXX 2015 on the basis that XXXX release my degree and all documentation between XXXX and myself be submitted to me as well. after a few months I had not received anything and then I got a letter in the mail from XXXX saying I should use my tax refund to pay off my remaining balance of XXXX dollars. I immediately called and asked what had happened they told me I had not made payment in the proper amount of time. so I ask to speak to a manager and that I was told they would return my call within XXXX hours I have since call the XXXX more times are over the course of XXXX weeks without so much as a return phone call or have spoken to a manager. I did everything general revenue corporation asked, I have a recorded phone conversation of them stating the {$2000.00} balance that I would pay and the subsequent payment information I am a XXXX I also have bank statements proving I paid the {$2000.00} and my account still has not been closed
|
Company chooses not to provide a public response | I first Disputed item " XXXX XXXX XXXX Acct # XXXX '' on my Transunion report in XX/XX/XXXX, and it came back verified. I disputed again on XX/XX/XXXX, and once again it came back verified. I called Transunion on XXXX XXXX XXXX informing them that I had a signed letter from the President of the alleged Original Creditor denying any record of me or my account. but Transunion ignored me apparently, so I have sent them another dispute with copies of the letter.
Please see attached signed USPS certified mail letter from the President of the alleged Original Creditor, XXXX XXXX at XXXX, stating neither they nor their Collection Agency XXXX have any record of me or this alleged account.
Attached is also proof that XXXX of XXXX and XXXX XXXX XXXX XXXX are the same company.
Under the laws of the FDCPA, I also have contacted " XXXX XXXX XXXX '' to request validation, and they have failed to respond to my request, so they can not have verified this account with Transunion.
I am not sure what more proof they want aside from a signed letter from the President of the Company, at this point they are willfully and negligently misreporting.
Please find all relevant documents and Certified Mail receipts attached.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX
|
Company believes it acted appropriately as authorized by contract or law | I was not notified of my bill. I had found out that I had a bill from my credit report. I had called the number about it. I told them I never received a letter about my bill. So I asked if I pay the bill can they delete it from my credit report because I was never told about the bill. I had paid XXXX of them and it was never deleted.
|
Company chooses not to provide a public response | One Main financial will not stop calling me at work. My AC broke and I had to repair it, and I am behind. I have told them repeatedly and hung up on them. I am not allowed personal calls at work and I keep getting in trouble when they continue to call me. I have spoke to the manager at my local office, XXXX, he was supposed to note my account, but they keep calling.
|
Company chooses not to provide a public response | Barclay Credit card offered 0 % in 18months financial to purchase my laptop. After 18months passed I could n't paid off, they charge me interest close to 30 % based on original purchase price retroactively. Suddenly I saw close to {$1000.00} interest charge over {$3500.00} laptop. They claimed " Deferred Interest Financing '' in written in the contract but not clearly explained at signing. I thought my interest will e charged on unpaid part after 18 month promotion is over. XXXX time i saw " Deferred Interest Financing '' in the communication was 5 month later email after I signed. Even that email, it was very graphically miss leading not clearly explained what exactly mean by " Deferred Interest Financing '' under fancy graphical " New Tool '' interfaces.
|
Company chooses not to provide a public response | In XX/XX/XXXX I checked my FICO score through my XXXX account, which provides this score as part of their services. I was surprised to see, after months of working on improving it, that I suddenly had a " serious delinquency '' on my credit score. I checked my credit reports on XXXX and noticed that Trans Union listed a consumer loan from XXXX XXXX XXXX XXXX that had been paid off in XX/XX/XXXX, as being 120+ days past due. I called the credit union, which told me to dispute it through the credit bureau and that they could n't do anything on their end. I disputed the information on Trans Union and when I checked my score on creditkarma.com it appeared to be resolved. This morning I checked my FICO score on XXXX and noticed it 's at XXXX, yet XXXX has it as XXXX. I thought my dispute had taken care of removing this incorrect information in XXXX. Furthermore, I checked my FICO score on XXXX in XXXX and now they too show this account from the credit union on my credit report, which is causing my score to drop more than XXXX points. I am reaching out to you because I have NEVER had an issue like this with regard to my credit report and am quite frustrated with this situation. I understand that sometimes mistakes are made, but this XXXX is getting worse and is repeating itself.
|
Company believes it acted appropriately as authorized by contract or law | I borrowed loans from sallie Mae to attend school at XXXX XXXX University with out knowing that each seperate loan would be due for repayment at the same time. I thought it would be a consolidated loan that would be in XXXX manageable payment each month.
|
Company chooses not to provide a public response | I got an email from BoA saying that I was overdrawn. I went online to find out what happened and found a check that was not even from my account drawn for {$360.00}. I opened a chat help and reported it. The customer service person said it would be resolved. The next day, before business hours, I checked again. The problem was n't resolved and the check image which had been there the day before was no longer available. I opened another chat window and THIS customer service rep told me it was fraud and would have to be dealt with over the phone during business hours.
That leaves me with no money for breakfast, so I am angry AND hungry.
I reported the error as soon as I noticed. BUT because of the failure by the bank, I am without access to funds, and therefore breakfast and gas.
HOW does all this work? WHY wo n't BoA answer my questions? WHAT is my recourse?
IT 's only XXXX bucks. AM I too small to matter while BoA is too big to fail?
|
Company chooses not to provide a public response | This was discharged in my Chapter XXXX Bankruptcy. Balance as of XX/XX/2012 from my Chapter XXXX bankruptcy was {$0.00}. Now this company is harassing me to pay what was discharged back in 2012.
|
Company chooses not to provide a public response | My name is XXXX XXXX and I am writing to report an error on my report. I have never had a XXXX XXXX Credit Card. I would like assistance removing this information from my credit report, as this account belongs to my sister, XXXX XXXX, now XXXX XXXX. I also wanted this company to take preventative measures, from now on, to secure the separation of my information with any other consumer with similar identification, such as my sister, and my mother, XXXX XXXX, XXXX XXXX, while married.
Thank you for your assistance in this matter.
|
Company chooses not to provide a public response | On XXXX XXXX we received a letter in the mail from Bank of America stating that our Mortgage will be sold to XXXX Mortgage XXXX. Out Mortgage payment is due on the XXXX day of each month with Bank of America and in the letter it states that the loan will transfer on XXXX XXXX. If I understand this correctly it means I should pay Bank of America for XXXX and then we will start payment to XXXX in XXXX.
On XXXX XXXX we came home to XXXX messages from XXXX Mortgage asking us to call a XXXX number with a specific pin to reach our message. The message stated that we are delinquent on our XXXX payment to XXXX and to continue of for instructions on how to send payment. In addition to the letter from BoA stating that we begin AFTER XXXX XXXX sending our payment to XXXX we have received no correspondence from them at all, nor do we have an account number to attach to the payment.
I called XXXX Mortgage 's customer service number and talked with XXXX. He twice asked for my account number even though I told him we do not have XXXX due to lack of correspondence from his company. He then assured me that we were fine as we have 60 days from transfer of our Mortgage holding to begin paying and that we should be receiving a welcome packet any day now. He also said that Bank of America should be forwarding our XXXX payment to them, which I am unable to confirm at this time due to BoA customer service being closed. I am troubled that Customer Service tells us it is no issue but we have already received delinquency calls.
|
Subsets and Splits