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Company believes it acted appropriately as authorized by contract or law | On XXXX XXXX, XX/XX/2015 I filed a complaint with CFBP ( Claim No. XXXX ) against Enhanced Recovery XXXX and another XXXX on XXXX XXXX, XX/XX/2015 ( Claim No. XXXX ) Which claim to collect a debt for XXXX XXXX CompanyAfter contacting XXXX parties and requesting for additional related documentation materials associated with this account from XXXX XXXX that would help to substantiate such claim XXXX parties have failed to provide me with the documentation til this date. I have request the following Documents such as ; Billing Statements, Payment History, Contract agreements and have never received them. In order to resolve this issue Enhanced Recovery XXXX made the following statement in their last response to CFPB : In an effort to resolve XXXX XXXX ' concerns, our agency has submitted a deletion request with all credit reporting agencies associated with the account and our office on XXXX XXXX, XX/XX/2015. Please allow up to 30 days for the credit reporting agencies to process our request. Our agency will have no further contact with XXXX XXXX regarding this account. In order to make our client aware of XXXX XXXX ' concerns, our agency will forward this complaint to our client XXXX XXXX.
Since that time Enhanced Recovery XXXX have Submitted the deletion request to the following Credit Bureau 's ; XXXX and XXXX but have failed to submit the request to XXXX and the negative Collection account still remains on my credit file with this Bureau.
Enhanced Recovery XXXX needs to follow through with their promises and also request the deletion with Experain as well.This account does not belongs to me. I have not, and never have had an account with XXXX XXXX Company
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Company chooses not to provide a public response | My US Bank XXXX XXXX credit card offers 5 % cash back every quarter on categories that I choose. For the XXXX quarter of 2015, I choose electronics as XXXX of those categories and made a purchase in the amount of {$1900.00} at XXXX based on receiving 5 % cash back for this purchase. XXXX is specifically listed on the US Bank XXXX XXXX rewards site as " popular merchant in this category ''. On my recent statement, US Bank is only crediting me the standard 1 % cash back. Upon contacting US Bank, they explained that I was n't eligible for the additional 4 % because the merchant coded their transactions as Catalog Merchant rather than Electronics. While I understand that US Bank ca n't be held liable for how a random merchants codes their transaction, by listing them as an example of a merchant in that category, they are falsely implying that transactions with that merchant will receive the 5 % bonus ( despite the fine print that they ca n't guarantee a purchase will qualify for 5 % rebates ). US Bank has not done their due diligence to verify that their list of example merchants is accurate and as a result is deceiving their customers. This deception affected my purchasing decision. I would not have made this purchase without the promise of 5 % cash back and as a result have been injured in the amount of {$79.00} in lost rewards.
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Company chooses not to provide a public response | This debt was for a hotel stay from XXXX/XXXX/XX/XX/XXXX for {$56.00}. I had XXXX separate reservations that were made for XXXX XXXX XXXX in XXXX XXXX, LA for XXXX. This stay included a free night and XXXX paid nights. I stayed in the same room during the entire length of my stay. Each day, I had to check out and check in per hotel policy, and my credit card was swiped XXXX consecutive days in a row. My credit card was charged for the XXXX night, XXXX for {$68.00}, but was not charged for XXXX. I even checked out at the front desk on XXXX/XXXX/XX/XX/XXXX and received copies of my hotel receipts. At no time was I notified that there was a balance due, that there was a problem with my card, or that my card was not properly swiped. The hotel even stated that I walked out without settling my balance! I think that after my card was swiped XXXX days in a row at the front desk, and credit card information was provided at the time the hotel was booked, I clearly did not attempt to walk out without paying for my stay. I followed XXXX XXXX XXXX 's policy, and they failed to properly bill my credit card. I was penalized for their mistake.
On XXXX/XXXX/XX/XX/XXXX there was a collection on my credit report for {$57.00}. I had not been notified previously about this issue by phone ( my number is listed for the reservation ), by email, or by regular mail. I did n't realize this balance was owed until it appeared on my credit report! I made numerous phone calls in an attempt to resolve this issue, but feel that it should not have been posted as a collection on my credit report without fair notice. No one contacted me to attempt to resolve this issue before it was sent to collections, and the collection agency failed to notify me in writing or via phone regarding the debt prior to posting it as a collection.
When I checked my credit report again around XXXX/XXXX/XX/XX/XXXX, the outstanding collection balance was showing {$350.00}! An extra {$300.00} had been added to the original amount claimed by the creditor. XXXX XXXX ( both XXXX XXXX LA and XXXX XXXX NV ), nor Allied Collections in XXXX XXXX, NV could explain why an additional amount was added. I did note that this appeared to be a violation of the FCRA for XXXX reasons.
As of this date, the balance of {$56.00} has been paid, but has not been removed from my credit report. A balance of {$350.00} is still showing as a collection on my credit. Had I been notified of this issue up front, this could have easily been resolved in the beginning instead of being sent to collections and posted to my credit 4 months later. This is the XXXX negative item that has been posted to my credit report in more than 10 years. To have a hotel stay showing as a collection AFTER they received my credit card information when the reservation was made and again once I arrived at the hotel, is totally inexcusable. The posting of this inaccurate information is not only a violation, but is unfair to me because I was not give an opportunity to correct a mistake made by the hotel and/or their staff, and this negative mark has damaged my excellent credit history.
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Company chooses not to provide a public response | I am applying for a home mortgage and all XXXX credit entities show an outstanding bill for XXXX ...
I have never had an XXXX account. It does not belong to me and needs to be removed.
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Company believes it acted appropriately as authorized by contract or law | I previously complained about our escrow account. Plaza calculated our tax payment incorrectly. After receiving the complaint from the CFPB, Plaza did an escrow analysis and issued a partial refund. They closed out my complaint with the CFPB but they did the tax analysis incorrectly and calculated our tax payment at double what the actual taxes owed are. I called for a correction and was told it would be fixed before the XXXX XXXX payment was due and never heard back. Our monthly payment should be lowered.
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Company chooses not to provide a public response | Account that should be closed, but is reported as open in my XXXX report, in error : XXXX XXXX.
StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXXAccounts that are current, but are reported as missing payments in my Equifax report XXXX although they are current and receiving {$330.00} dollars a month : XXXX XXXX - STUD StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXX XXXX - STUD StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXXDP of Education Past Due $ XXXXDP of Education Past Due $ XXXXDP of Educatoin XXXX Due $ XXXXDP of Education Past Due $ XXXXDP of Education Past Due $ XXXXAll these loans above are part of the DEPT OF ED/XXXX loan and need to be closed, as they are now part of the XXXX total sum, which is {$45000.00} dollars. These loans have all been consolidated into XXXX loan serviced by XXXX shown below : DEPT OF ED/XXXX StudentXX/XX/XXXXOpen - CurrentNo Missed Payments {$45000.00}
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Company disputes the facts presented in the complaint | The company has contacted my employer a total of XXXX times in the past 2 weeks. The company has NOT attempted to contact me at my personal residence or personal phone number. The company was alerted that he is calling a place of business and he should reach out via personal cellphone.
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Company believes it acted appropriately as authorized by contract or law | I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND 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.
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.
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Company believes it acted appropriately as authorized by contract or law | I found this company reporting to the credit bureaus that I am in collections on an account. Subsequently, I sent them a letter via certified mail to the address on my credit report same as on the XXXX website but it was returned undeliverable. Thinking this was an error, I re-sent the same letter again double checking the address. Unfortunately, based on me checking the USPS website for delivery confirmation the letter has still not been signed for and appears it is on its way back to me again. It seems that they are rejecting certified mail. It is unfair of them to report things on a persons credit report and then refuse to communicate via mail concerning the debt and how the error can be resolved.
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Company believes it acted appropriately as authorized by contract or law | I previously filed a complaint against PennyMac Mortgage ( Case number : XXXX ) that was never resolved by the cfpb. The complaint then and now, is that the lender is taking advantage of consumers who enroll in the PennyMac Autopay Biweekly payment program and unfairly NOT reducing the principle balance of mortgages when the biweekly payment is received. The attached payment history clearly shows that biweekly payments are received, but the principle balance is not reduced at all until the end of the month. Meaning that consumers are unfairly paying interest on the incorrect 'higher ' principle balance for those couple weeks each month. PennyMac continues to refuse to apply the principle portion of the biweekly payments to the principle balance when it is actually received. The whole reason for enrolling in the biweekly payment program is to pay off the mortgage early and reduce interest payments over the life of the loan. This practice of NOT applying the principle portion of the bi-weekly payment 'as soon as it 's received ' and waiting until the end of the month, is unfair predatory deceiving and not understood by most consumers. The impact of this practice over the life of a 30 year mortgage is substantial and to the benefit of the lender not the consumer. While PennyMac may have disclosed this practice in fine print somewhere, most if not all consumers do not understand the negative impacts of this practice.
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Company believes it acted appropriately as authorized by contract or law | This debt was settled and paid in full to a different firm. Capital Management Services LP is falsely claiming this debt is outstanding. They have attempted to bill me for this. The bill states " unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid ''. This is fraud. I do not wish to contact anyone representing this firm.
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Company chooses not to provide a public response | This debt was settled and paid in full to a different firm. XXXX XXXX XXXX XXXX is falsely claiming this debt is outstanding. They have attempted to bill me for this. The bill states " unless you notify this office within XXXX days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid ''. This is fraud. I do not wish to contact anyone representing this firm.
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Company chooses not to provide a public response | I had a check written out to me from an account holder of the Bank of America. I went to the XXXX Va branch. I was informed I would have to wait until the line for account holders was empty. As this was an improbability on a Friday afternoon. I asked for the bank manager. I stated it might be tomorrow before that happened, she said that was the policy. Also the fee of XXXX dollars to cash a check works out to be XXXX dollars an hour based on the time it took to cash the check I had. This seems exorbitant as the employees at the bank are there if I come in to cash a check or not! Also I was told by a company Rep that she would investigate and get back to me, it have been well over a week and no response!
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Company believes the complaint is the result of a misunderstanding | National Enterprise Systems has called me no less than XXXX times, and left XXXX messages identifying themselves as debt collectors, about a debt they want to collect from my brother. Half the calls and messages came after I talked with them and notified them that I am not my brother.
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Company chooses not to provide a public response | I opened a Sun Trust bank account in 2011 while attending college at University XXXX XXXX Florida. They activated my student ID as my debit card when I opened the account. I got my school refund to the account, and had been using my student id card to access the account. The banker who opened my account put the wrong mailing address for the account, they mailed a debit card, and pin number to the incorrect address. A couple weeks after opening the account, the debit card they sent drained the account of all funds. I filed a police report when i found the account was empty. The police report was closed, without finding out who stole my money. Then SunTrust instead of refunding my money, closed my account, and told me I Must of committed the fraud on my own account. Not only did they imporperly close my account, they added me to a credit reporting company called XXXX, They have placed information on my XXXX file stating that I attempted to defraud the bank, which prevents me from opening a bank account anywhere.
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Company chooses not to provide a public response | I have a Macy 's credit card.
Back in XXXX, I had called their agents to set up the automatic payment. I was told that my request has been taken care of. But later in XXXX, I received a non payment notice. Upon receival of the notice, I contacted the bank for more information and learnt that there is no auto payment set up on my account. They were happy to remove the late fee but are not ready to correct my credit bureau reporting. I reached them out repeatedly through various channels but they are not accepting my request. As a consumer, I do not have any documentation of the call and detail of what was discussed in the call, but I was informed on XXXX that if a payment is made after auto pay setup, auto pay set up gets cancelled, ( I was not informed about this back in XXXX ).
I have also not received any statement after XX/XX/XXXXXX/XX/XXXX which might have told me about the amount I owe and is not paid. Macy 's also did not send any such alert as well that would have helped me as a reminder of a non payment or auto pay getting cancelled/non setup.
I have no way to prove that I have requested any such service because this issue never happened with any other banks that have auto payment set up option.
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Company chooses not to provide a public response | I noticed a debt from Credit Protection on my credit report from XXXX XXXX. Thats odd becasue I 've had XXXX XXXX since 2006. I also noticed an account transfer from an apartment to another apartment, thats also odd considering I have been buying my home since 2006. I never gave anyone permission to request services from XXXX XXXX, which will open an account to anything or anyone under the sun without asking for proper ID. Now a collection account is showing for an account I never opened.
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Company chooses not to provide a public response | I saw an article that said, " apply now by phone '' for a XXXX " XXXX XXXX ''. I spoke to a XXXX Representative '' and gave her all the information she required to apply for a new XXXX XXXX XXXX. After a short period of time, she stated that she could not approve my request at this time. She should they would review my apllication and send me a written response. After about two weeks, I received the written response. It stated that my request for a new XXXX XXXX XXXX was denied. The written response stated that I was denied for XXXX reasons, based on information provided to them by TRANS UNION, a credit reporting agency. All of the reasons were not true for my personal credit information. TRANS UNION stated the following : ( 1 ) - '' High number of credit cards recently opened ''. This was totally not true., I have only XXXX credit cards, both of which are not new and have never had a late payment. ( 2 ) - " High utilization on XXXX or more retail/store accounts ''. I do not nor have I ever had a retail/store account. Other statements they used were also totally false. I was told by the representative, for the XXXX XXXX XXXX, that TRANS UNION was their primary source for my XXXX XXXX XXXX request denial.
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Company disputes the facts presented in the complaint | XXXX XXXX XXXX In XXXX XXXX Georgia Ran An Expensive Series Of Test In The XXXX.Without My Consent.. I Verbally Refused Treatment In The ER Numerous Times. The ER Staff Assaulted Me, Drugged Me, Held Me Against My Will And Never Ever Gave Me A Right To Dispute Notice ...
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Company chooses not to provide a public response | I applied for a credit card, The representative told me, that the reason they decline me was too many inquiry 's on my XXXX which for 2015 only had XXXX, The representative told me on the phone that they only pulled XXXX inquiry, I told her that you also pulled a XXXX credit report, and she told me they did not pull XXXX credit report, only XXXX credit report, I told her i can look on experian with a confimation that i have with them, and it shows they pulled a credit report XXXX/XXXX/2015, If the representative can lie on the telephone to me, I can see why i did not get approve, Because i have great credit!!! High Limits!!! Good Income!!!
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Company chooses not to provide a public response | There are XXXX liens showing up with XXXX which only list XXXX Release of tax lien XXXX {$23000.00} and TransUnion XXXX same {$23000.00} different doc numbers and TransUnion also list XXXX $ XXXXThese were a mistake that have been resolved, I even went to the court house. I explained that numerous times, XXXX removed all. What do I need to do so these XXXX agencies comply with the law. These were filed in error no tax liens existed on my business.
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Company chooses not to provide a public response | my car that i purchased off the showroom floor in XX/XX/XXXX went to chevy heaven in XX/XX/XXXX.in those years there were many life incidents that occured where i went from a XXXX score.I needed a car for this new job, and acted hastily on because of my poor credit.well, the job was too far away and with living expenses and car payment, this new venture was not worth it.i contacted the " credit acceptance '' corporation many times for help.i begged them to lower my car payment and offered a XXXX payment for car. they were rude and just kept telling me " your loan is what it is ''. i have paid off XXXX vehicles in my years!! i came into financial hardship and this company would NOT help me.now i have a judgement!!
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Company can't verify or dispute the facts in the complaint | OCWEN mortgage servicing company ( XXXX ) has been calling for over a year. I have never had a mortgage with anyone. Explained each time that the person they are looking for is not at this number, that I am not the debtor they are looking for and requested each time to have my number removed from their system. Have called their " support '' number and requested my number be removed. They continue to call daily, sometimes XXXX daily.
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Company chooses not to provide a public response | This is not even my name. I have no idea what this is or anything. The collection agency has never contacted me by any means I only came to know about the debt from checking my credit report
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Company chooses not to provide a public response | I took out a loan of {$3100.00} from Loan Me. Everything was fully explained to me and the loan was funded on XXXX XXXX. I later that day called Loan Me customer service. I just wanted to receive my account number. I was told that they wanted to give me a welcome call for being a new customer. I informed the customer service person I was in a hurry and just wanted my new Loan Me account number so I could electronically submit my own loan payments. I was told they needed to re verify all of my personal information first to validate it was indeed me calling. I was good with all questions asked until they asked me to say out loud my whole social security number. My other financial institutions never ask over the phone my entire social security number but instead ask for the last XXXX digits. I believe this practice of asking some one to repeat their entire social security number over the phone is in violation of my rights as a consumer and can lead to identy theft. I provided my entire number online with their application which I have no problem with. They could easily verify my identity using the last XXXX digits of my social security number or another validating security question. The person I spoke with after I was validated as the borrower proceeded to tell me they would not give me my account number until I listened to their welcome call monologue. I reapedately asked just for my account number to no avail. I asked to speak to a supervisor and was placed on hold and then disconnected. I called back to receive the same validating questions and again was asked to say my entire phone number. This time the person did provide my account number when I asked but also proceeded to insist I listen to their new customer welcome call. I reluctely listen to what was Loan me ' s welcome call for me being a new member. This welcome call is nothing to do with verifying the borrower but has everything to do with loan me ' s attempt to get my permission to be contacted at work. Please have them stop the practice of having to repeat my entire social security number over the phone. Thank you.
Respectfully, XXXX XXXX XXXX XXXX XXXX # XXXX, CA XXXXXXXXXXXX XXXX of SS # XXXXMore than enough validation provided.
You may publish everything but my personal information.
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Company chooses not to provide a public response | I never received notice of my right to dispute this debt. My consumer rights have been violated by the reporting of this debt to my credit reports.
This account should be removed from all credit reports immediately.
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Company chooses not to provide a public response | My name is XXXX XXXX. My date of birth is XX/XX/XXXX, my social security no. is XXXX and I live at XXXX XXXX XXXX XXXX, XXXX.
My issue is simple. I have never missed or been behind on any payments, absolutely none. Previous to the following my credit score was around XXXX. My grandson, XXXX XXXX, forged my name to a loan at XXXX in XXXX, Ga. The loan number is XXXX with a balance of {$7100.00}. In the presence of my son-in -law the bank President, XXXX XXXX and the Senior Lender XXXX XXXX went thru XXXX promissory notes ostensibly in my name but all three people agreed that my name was forged, absolutely without any question or doubt. After an attempt to clear this up XXXX XXXX XXXX ( a XXXX Bank afffiliate ) did not deny the forgery but instead told me before they would clear this up I would have to file a warrant to the local police department which would likely result in my grandson being sent to prison. I can not do that.
I am now XXXX years old and my history reflects my true credit standing. It is as clear as a bell.
Please help me with this. XXXX XXXX XXXX name is XXXX XXXX. My date of birth is XX/XX/XXXX, my social security no. is XXXX and I live at XXXX XXXX XXXX XXXX, XXXX.
My issue is simple. I have never missed or been behind on any payments, absolutely none. Previous to the following my credit score was around XXXX. My grandson, XXXX XXXX, forged my name to a loan at XXXX in XXXX, Ga. The loan number is XXXX with a balance of {$7100.00}. In the presence of my son-in -law the bank President, XXXX XXXX and the Senior Lender XXXX XXXX went thru XXXX promissory notes ostensibly in my name but all three people agreed that my name was forged, absolutely without any question or doubt. After an attempt to clear this up XXXX XXXX XXXX ( a XXXX Bank afffiliate ) did not deny the forgery but instead told me before they would clear this up I would have to file a warrant to the local police department which would likely result in my grandson being sent to prison. I can not do that.
I am now XXXX years old and my history reflects my true credit standing. It is as clear as a bell.
Please help me with this. XXXX XXXX XXXX
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Company disputes the facts presented in the complaint | XXXX sold my info to a XXXX party integreated recovery services out of new york. I tried giving them the money I owed but they put my credit card info through wrong. Now they are contacting my ex-husband and telling him that the sheriff will be coming to our door unless this is settled. In the initial contact they threatened me with having someone serve me papers at my work location and that I would have to pay {$2000.00} in attorneys fees plus the {$700.00} that I owed and be charged with criminal offenses. They continue calling my ex-husbands cell phone and harrassing him on a daily basis. I have never gotten a written letter from them except an email after I told them I would not pay until I got written confirmation.
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Company chooses not to provide a public response | I inquired specifically regarding the ability of the Citi Double Cash credit card, with regard to their ability to separate out charges for the multiple users of this card. I was told on XXXX ( XXXX ) separate occasions that this could be done. Upon receipt of my XXXX bill all of the charges were lumped together. I contacted their customer service and they said there was no way they could separate out the charges. This was totally misleading and I went through a long and arduous process to move our accounts over to this bank.
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Company chooses not to provide a public response | I currently have XXXX accounts with my local regions bank. The checking account was not overdrawn and the local branch closed my account without notice on XXXX XXXX, 2015. A direct deposit was made to the account on XXXX XXXX, 2015. The account had a positive balance of {$750.00} dollars. When attempting to use or transfer monies between accounts I was notified that the account was closed and that I could n't have access to my funds.
I spoke to both a customer rep on the phone and the branch and still no resolution.
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Company chooses not to provide a public response | I was notified of negative activitiy in my credit report In XXXX XXXX by my financial institution. Upon investigating I realized XXXX XXXX XXXX had reported late payment on a credit card held with this company. I had not used this credit card since paying off my debt of {$1600.00} in XXXX. I called XXXX Fraud department to inquire why and what I was reported for. I was transferred to customer service and was told that the card had been used to make a purchase of {$4.00} at a XXXX on XXXX/XXXX/XXXX. I explained that I had not used this card and was not aware of this purchase. I was told to submit a written statement regarding this incident. A written report along with the required documents was faxed to XXXX XXXX XXXX. I was told they would investigate and send me a report on their decision. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had updated my credit report with the credit reporting agencies : XXXX, XXXX and TransUnion " to read as a current account with a balance of {$0.00}.
XXXX XXXX XXXX did not clear my name for the late payments reported to the credit reporting agencies and this significantly dropped my credit scores. I have since attempted to get them to do this so my previous " Excellent and Good '' credit report status could be reinstated. I was told with time I can rebuild my credit report. I did not destroy my credit report, I have worked hard to build and sustain my credit report and would like for this company to report that I was not responsible for the late payments since I did not use this credit card. A XXXX balance report did not address the fact that I did not use the credit card and was not responsible for the late payments report. I have not made any payments to XXXX XXXX XXXX, by their reporting a XXXX balance it suggest to the credit reporting bureas that I was in fact responsible for this transaction and guilty of a late payment which has since been settled to a XXXX balance. Due to the incompetency of this organization my credit score has been adversely affected. I am kindly soliciting this organization assistance in reinstating my good name which I have worked very hard to maintained. Thanks for your support in this endeavor.
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Company chooses not to provide a public response | We have a XXXX and XXXX mortgage with Bank of America. We got behind on our payments. They kept sending us letters by XXXX and via XXXX about how they could possibly assist us so after many such letters I sent in the info. they requested to see if they could possibly help us. We then received a letter back from them that said ... .Congratulations! You have qualified for a trial modification program. They said we would have to pay {$100.00} more a month for the next XXXX months. We can not afford to pay more than we already pay as my husband is the only one who works ... I am XXXX. So I immediately called the bank to tell them we were not interested. Our Customer Representative was unavailable whenever we tried to get ahold of her and did not call even when there was an appointment time set up so I talked to another customer representative who gave me a FAX number and told me what to write to be removed from the program. I did so the very same day we got the notification letter. We then received a letter that said our monthly payments were going up by $ 93/mo. I called the bank and found out we had had an Escrow Account placed on our mortgage. We had already paid our house insurance and property taxes in full in XXXX We asked why this was put on our account and were told that most of the time people that are behind on their payments do n't pay for their house insurance or their taxes. They sent {$980.00} to our insurance company anyway even tho it had already been paid by us previously. I called them about it and they made it my responsibility to return the overpayment even though it was them who sent it. I wrote letters to the CEO and XXXX other people listed on BAC website to tell them what had happened. I got back a letter stating they could not correspond with me since i was a third party ... they needed permission from my husband which we had given long ago. I never have heard from any of those people at all. We were however given a different Customer Representative. They removed the Escrow Account after three months. I sent a payment for the XXXX mortgage to post on XXXX/XXXX/2015. It was taken out of my bank account on XXXX/XXXX/2015. I was told it did not post on XXXX/XXXX/2015. My C.R. said it posted on XXXX but whoever posted it posted it all to the principle and not as a regular payment. My C.R. said he would take care of that. I got a certified letter in the mail yesterday stating we owe {$1500.00} by XXXX XXXX or the bank is going to start foreclosure proceedings on us. We are only 2 months behind plus XXXX late fees which comes to {$410.00}. I called our C.R. who stated that {$810.00} is for house appraisals done as part of the process for the loan assistance program. They did XXXX of them ... XXXX in XXXX and XXXX in XXXX and they came up with XXXX separate quotes. We did not consent to this being done and do not think we owe the bank this money. We do n't have {$810.00} to pay them. Our C. R. is looking into it. We also received a letter from them stating that they are putting the XXXX mortgage into the assistance program and we did not request this. Our C.R. states this was an automated process because we had missed payments. The letter thanks us for asking for assistance.
We are very dissatisfied with how all this has been handled and how we have been treated. We do fall behind on our payments from time to time because we do n't have any extra money to fall back on when something happens like the car needing new tires and such. We do however always pay our bills. We think that someone should have to answer for all these things. If my husband did his job like Bank of America is doing theirs he would not have a job. Please help us if you are able. Thank you very much.
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Company believes it acted appropriately as authorized by contract or law | Enhanced Recovery Corp is reporting XXXX accounts on my credit report that do not belong to me. I have disputed these items several times. I have submitted fraud affidavits. In dealing with other companies I became aware that I must have been the victim of identity theft. A look-up of my names generates several different name and social security number combinations. I am requesting that Enhanced Recovery Corp delete accounts XXXX for {$1500.00} and XXXX for {$200.00} from my credit reports with all of the national credit reporting agencies. I would like this company to also cease all contact with me regarding these accounts that do not belong to me.
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Company chooses not to provide a public response | I received a letter and a phone call from " HILLCREST DAVISON & Associates '' regarding an outstanding debt from a creditor called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They said I had a security system installed in XX/XX/XXXX and I owed the company {$2500.00} and were going to report it to the credit agencies. I do not have ; nor have I had a security system installed in my home. My husband passed away in XX/XX/XXXX and I filed for Chapter XXXX due to outstanding medical bills we owed due to my husbands health. I have become XXXX and do not/nor can afford any contracts for home security installations systems. My security is a loaded Colt .45 semi-automatic handgun on the pillow on my bed. The woman who contacted me from Hillcrest Davidson had all my information including my address and social security number. I might note that my private information including my banking, credit cards and e-mail has recently been hacked which may be why this is happening. I am just now at the XXXX-year time frame from when I filed bankruptcy in XX/XX/XXXX and I received credit card offers regularly. I have also traveled XXXX for extended periods of time XXXX since the death of my husband. I have had local people house-sit here during my absence ; XXXX of which I recently had helping me do repairs. I caught him stealing from me. In fact, I have been dealing with thieves ever since to loss of my husband ( he was XXXX and had a XXXX ). I can not find my wedding band/engagement ring ; XXXX guns ; weed wackers ; tools and various other items that were stolen by people I have hired to mow my lawn ; clean my pool ; do repairs, etc. I have no idea who/how/or when the fraudulence began. I might also note that when boarding a flight to XXXX, XXXX XXXX I was the last passenger on and there was no room for my carry-ons and that of XXXX other passengers. I had to chose between my purse with all my meds ; money ; important documents or luggage that had my laptop in it. The airline checked my luggage and it was lost. My computer had all my personal information on it. I can not prove how I was compromised. I welcome anyone related to the claim of an alarm system to come to my house and look for themselves. My abscences from home were extensive i.e. XXXX weeks XXXX ( XXXX times ) staying with relatives and XXXX staying with friends ; also XXXX where my only daughter/child and grandson reside. There are A LOT of people in this county/state that have a XXXX problems. XXXX has also become wide-spread. The people who ripped me off were all XXXX ( which I found out after the fact ). I no longer trust anyone in or near my home. I am trying to build up my XXXX very high credit score and DO NOT NEED TO BE HARASSED by creditors THREATENING ME by mail and on the phone. The stress alone affects my health conditions and I can not stand to be accused of something I am not responsible from. I do have credit cards which I use and pay in full each month. I also pay all my monthly bills, including a car loan on time each month. I am very conscientious and am trying to normalize my life.
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Company chooses not to provide a public response | This is a follow-up complaint to my previous submission, Case number XXXX. The previous submission involved a {$5700.00} " Ghost Loan Fragment '' that kept appearing on the larger of my XXXX HELOC loans with BMO Harris Bank. This XXXX problem was resolved by human intervention of the local Branch Manager, who effectively " zeroed-out '' the loan to show a true {$0.00} principal balance. I received XXXX letters via regular mail from BMO Harris regarding this issue. NOW, however, I am faced with ANOTHER Principal & Interest pay-down issue with my smaller HELOC that still carries a balance! Just yesterday ( Tues., XXXX XXXX, 2015 ), I went to my local bank branch and wrote out XXXX separate checks : a principal payment check of {$850.00}, and an interest-payment check of {$25.00}. After submitting these to the bank teller, I asked for a printed ACCOUNT INQUIRY. To my dismay, the CURRENT PRINCIPAL balance showed a reduction from the previous balance of {$24000.00}, to a new principal balance of {$23000.00}! And the CURRENT INTEREST was still held at {$25.00}! Therefore, a basic accounting error was made by BMO Harris! Instead of applying the directed {$25.00} to the interest, they erroneously applied ALL of the payment to the principal!
Thoroughly disgusted, I immediately asked the teller to check, who then referred me to the Chief Teller. " Everything was coded correctly [ regarding P & I payments ], on our Front End, '' the Chief Teller told me. " This must have happened in THE BACK ROOM! So, we know nothing about this! '' THIS IS A MAJOR PROBLEM FOR THIS BANK! NO ONE SEEMS TO KNOW WHAT HAPPENS REGARDING YOUR P & I LOAN PAYMENTS! EVEN WORSE, THEY TELL ME THAT THERE IS NO LOAN DEPARTMENT, PER SE! THEREFORE, THERE IS NO ONE TO WHOM THE CONSUMER CAN COMPLAIN, WHO KNOWS THE ANSWERS!
I then asked to see the Bank Manager ( the XXXX who had zeroed-out my XXXX HELOC balance ). I showed her the check intended for interest payment, and she walked back to the Teller area. She ( XXXX XXXX, Bank Manager ) soonreturned, bringing with her XXXX XXXX ( Market Manager ). XXXX XXXX complained that XXXX XXXX had to " break our Protocol '' in order to correct and remove the previous {$5700.00} " Ghost Loan Fragment, '' and that she really should n't have done that! As regards my current dilemma, he said ( incorrectly ) that my current interest was even owed! Instead, the amount paid mysteriously appeared in the PAYOFF section of the ACCOUNT INQUIRY. Very disturbed, I pointed out to him that the Bank 's ACCOUNT INQUIRY was INTERNALLY INCONSISTENT! I told him that there was very little accountability and way too much oblique " blame-passing '' to their mysterious BACK ROOM for loans! He replied that it would take hundreds of thousands of dollars to correct their system! Thus, I asked XXXX XXXX the name and phone number of the person above him. It was XXXX XXXX, Regional President. I phoned her office that very afternoon. She was away on business, so I gave a detailed description of the problem to her Assistant - - XXXX XXXX. I also gave her my home phone number. As of now, no return call to me has been made.
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Company believes it acted appropriately as authorized by contract or law | Reciving calls from XXXX, a company stating they are collecting a debt on behalf of XXXX. A credit card I paid and closed XXXX years ago. XXXX is no longer in business and is not reported on my credit report.
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Company chooses not to provide a public response | Reciving calls from XXXX, a company stating they are collecting a debt on behalf of MBNA. A credit card I paid and closed 15 years ago. MBNA is no longer in business and is not reported on my credit report.
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Company believes complaint represents an opportunity for improvement to better serve consumers | I continue to have loan servicing problems with my mortgage company, BSI Financial Services. While my mortgages were originally refinanced with XXXX Mortgage, they were sold to BSI Financial in 2013. For almost XXXX years, I have spent countless hours on the phone with BSI Financial regarding loan payments not being processed/deposited when received, payments not being properly credited to my accounts, calls regarding late payments and late fees being applied, and insurance bills being unpaid. The latter was my most recent situation with BSI. Specifically, I received a letter from my property insurance company indicating that correspondence was returned by the post office. When I contacted BSI regarding this matter, they indicated that the insurance address had change, although neither I nor my insurance company were informed about this change. They asked that I have the insurance company contact them for the correct mailing information ; however, I demanded the information and called my insurance company to update their records. I also email a copy of the bill to their Customer Care office to expedite payment ( and included a copy of my real estate tax bill as well given a lack of confidence that they have paid this bill on-time ). While BSI Financial Services is quite adept at collecting debts from others, they are woefully inattentive to the debts associated with the mortgages for which they are responsible.
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Company chooses not to provide a public response | Statement does not reflect proper credits. Previous statement XXXX/XXXX/2015 balance was {$4200.00} it was short paid {$840.00} due because of an error on XXXX part. Received XXXX/XXXX/2015 statement with a balance due of {$9100.00}. The break down of the charges and credits do not total this amount. Statement shows charges {$7800.00}, late fee of {$1200.00} ( which was an error and is being credited ), a credit for - {$840.00}. This actually totals {$8300.00}. XXXX statement contradicts the statement breakdown.
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Company chooses not to provide a public response | I recently discovered an outstanding debt on my credit report. XXXX XXXX said I owed them {$420.00} and assigned the debt to a collection agency. I never have had XXXX and they will not respond to my requests to verify the debt is mine and Experian also will not remove this fraudulent issue from my credit report. I am in the process of filing a complaint with the FTC, and will be filing a police report as well. Is it possible the CFPB can help me with this. As soon as I receive a copy of the police report I would be willing to share it with you along with any other documents.
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Company chooses not to provide a public response | On XX/XX/XXXX I submitted a compliant with case # XXXX through the XXXX and ARS removed the delinquent account from my credit reports because they were unable to provide any original documents with my signatures on it. Now a year later they went ahead and put the information on my credit again, without providing any of the original information I requested or any new information. Gain I submitted a letter requesting copies if original documents showing I indeed owe this amount. I sent this letter certified mail, which they received XX/XX/XXXX. ARS has never communicated with any of the information i requested. Furthermore, ARS has put this collection on my credit reports before even sending out any letter to me to allow me to dispute the debt. The only reason I know of the debt is because i check my credit reports monthly. ARS violates the law and continues to get away with it
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Company believes it acted appropriately as authorized by contract or law | I took out a loan with XXXX XXXX finance in XX/XX/XXXX-XX/XX/XXXX for {$2600.00} and have been paying {$290.00} per month ( most months ) since that time with a total having paid to them of {$11000.00}. I am sending a cease and desist letter today ( XX/XX/XXXX ) and have issued a stop payment with my bank for this company. I have paid more than an adequate amount for this loan. Since the initiation of this loan, it has been transferred from XXXX XXXX to XXXX XXXX and Cash Call for management.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | Yes early this morning got a call from my mom telling me that i had a XXXX out for my arrest. So she gave me the number XXXX and i proceeded to call. I talk to a representative to see if i could resolve my status in my debt she told me i owed {$750.00} and they said they needed me to pay {$250.00} right now to get my account back to active for my payments and i told her i could n't pay {$250.00} now. I could pay them {$50.00} a week since i get paid e very week so she told me no. And said that if i needed to get a lawyer because they are taking me to court. So i just called XXXX minutes ago. And i talked to a person of XXXX XXXX and i told him how they was threatening my mom about me having a warrant and i could only pay {$50.00} week when they wanted me to pay {$250.00}. So he said well could you pay {$75.00} a week i told him no i could do {$50.00} a week. So he transferred me to a lady name XXXX XXXX and i proceed to tell her the exact same thing as i told XXXX and XXXX XXXX asked me could i do {$100.00} and i told her no because i only get {$100.00} a week on my paycheck so XXXX XXXX proceeds to mock me saying where do i work i told her XXXX XXXX XXXX she said well it says right here u get paid {$10.00} a hr and i told her i been there XXXX years and i do n't get paid that much. So then XXXX XXXX proceeds to ask me do you stay with your mom do you have XXXX etc. and i told her i can only pay them {$50.00}. a week. She pauses and says XXXX XXXX lets get this clear how do you live off of {$100.00} a week and i told her XXXX is good. Then she says if we ca n't take the {$50.00} a week we need the {$100.00} and if we do that that 's gon na be all your money. So i said so you 'll cant help me out she said no. and i said ok and bye and hung up the phone. I do n't like how she tried to make a mock of me about my finances. The only thing i was trying to do was too make a payment with them.
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Company believes complaint is the result of an isolated error | I applied for a refinance on my home on XXXX XXXX. I was provided a pre-approval, and proceeded to provide close to XXXX documents to underwrite the loan. I provided all docs, and then was conditionally approved in underwriting requiring me to provide XXXX more docs.
This was close to 2 months ago. These documents were provided, and then Amerisave came back XXXX additional times requesting new documents ( each supposedly going through underwriting and each taking days ). I have now uploaded over XXXX documents ( and many of them were repeat requests ).
It is now XXXX and my loan has still not closed. Now, I was contacted this AM telling me that my application numbers were not correct ( for a rental property that I own ), but these were numbers that I NEVER provided on my application. They actually created the document, and when I raised they were incorrect on XXXX XXXX, I was told that they would be rectified through the documentation process. All docs ( taxes, insurance, mortgage ) have been provided, yet they are still " miscalculating '' the numbers ( not in my favor ).
I have never experienced such poor service with any business, and I am stuck using them since they already pulled my credit ( which would count against me now elsewhere ), and I paid for a completed appraisal - which came in fine.
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Company chooses not to provide a public response | I have disputed the information with the company. However, I have not gotten a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Regional Acceptance '' XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization.
Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
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Company chooses not to provide a public response | XXXX XXXX XXXX Court House and XXXX XXXX XXXX XXXX XXXX told me that my Tax Lien has been extinguished from public record. I have been sending in documentation that they gave me to give to the credit bureaus to have them delete it from my credit report. Experian keeps coming back saying that the Tax Lien has been released and that 's it. I have been back to the city to verify this a few times and they tell me that this Tax Lien needs to be deleted and that they do n't report to the credit bureaus, so there 's some outside source supplying the wrong information.
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Company chooses not to provide a public response | Reached out to them however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Flagship Credit '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization.
Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
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Company chooses not to provide a public response | I sent a letter regarding the matter however, no response from the company. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " WFDS d/b/a Wells Fargo Dealer Service '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization.
Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
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Company chooses not to provide a public response | Bank of America closed my checking account after I told them I would keep it & was transferred at least XXXX times to repeat my situation after being told they would explain to the person I would be transferred to. I am unsatisfied with their services & inconvenience of having my checking account closed after telling them not to.
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Company can't verify or dispute the facts in the complaint | I am not responsible for this account as it was fraudulently opened in my name by my roommate without my knowledge.
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Company chooses not to provide a public response | I just started a new job. There was a memo sent out company wide about the company going from a bi-weekly to a semi-monthly payroll schedule. This company wide memo was issued prior to my start date. Friday XXXX XXXX was the beginning of the semi-monthly pay schedule. I scheduled all my bills to be paid on XXXX XXXX when I realized my direct deposit did not hit my account I immediately contacted my employer then contacted Bank of America to inform them of what happened. The representative I spoke to assured me not to worry that she was going to notate my account so that these transactions are paid since since my direct was set to hit my account overnight. The direct deposit it my and bank of america returned all of the items and charged me XXXX overdraft fees with money to cover those items in my account.
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Company chooses not to provide a public response | E-payments initiated through BB & T have the funds held out of the account at around XXXX the day the payment is initiated, these funds are held unavailable until the day the payment processes, usually XXXX business days. On XXXX occasions, this has caused some other checks to overdraft. That is to be expected. On these occasions, however, when the e-payment finally posted, it also was charged an overdraft even though the funds to cover the payment had been held out of the account for several days. I understand incurring XXXX charge, but there is no reasonable explanation for charging an overdraft because funds were held to cover a specific payment and then again for the payment that had funds held for it. You can do XXXX, but not XXXX.
Additionally, BB & T claims a check deposited on XXXX was not available to cover payments made. BB & T posted the check on XXXX, the account the check was written from cleared the check on XXXX, it shows on the ledger balance as there and the account with a positive balance. They still claim it was overdrawn but can not explain exactly which order the checks cleared or the times they hit the account.
Finally, on Tuesday, several checks overdrew the account ( due to e-payments holds ), XXXX employees cashed multiple checks into their accounts and while one would think those checks would post together, they were posted by BB & T not in the groups they were cashed in but rather in order to maximize the number of overdrafts that could be charged.
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Company chooses not to provide a public response | I was charged for a transaction I did not agree too for a Hotel booking XXXX. A day later, I receive an email stating I did not show for a hotel stay and was liable for {$54.00} in cancellation charges. The hotel then charges me $ XXXX, which does not align with what I was " liable for '' in the email.
I disagree with the initial charge, and also with the amount that was charged.
I then contacted Barclays to dispute the charge. I was refunded the amount and told an investigation was open. About a month later, I received a call asking for more information. I provided the requested information to a rather unprofessional, uniformed member of Barclays team who told me I would need to destroy my card and receive a new XXXX, and that the information provided was sufficient to move forward with my dispute. Then, 2 days later and without notice, I see the charge is reversed on my bill and I am now being charged the full $ XXXX ( again, which does not align with what I supposedly owe ).
Upon contacting a manager, he admits the previous agents fault and lack of professionalism, but refuses to reopen the case or change the amount charge to the previously quoted $ XXXX. This supervisor was rude and very argumentative, and also claimed to waive a fee that I was not charged ( Annual Fee ) to make things right with me, even though I had already cancelled the card and no longer owed the Annual Fee. The deceptive practices of this " supervisor '' was appalling and the unprofessionalism of Barclays as a whole disguising.
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Company chooses not to provide a public response | I have XXXX & XXXX mortgage w/ US Bank . Unlike others I have a much bigger XXXX mortgage than XXXX. When I went through hardship for few years and tried modify my loans several times but my income is high for the XXXX mortgage to consider modification and got rejected ,XXXX mortgage will not even review my modification package without being able to modify my XXXX. So I was going circle very frustrating without being able to have US bank to find someone to look at my whole situation even after several attempts to modify my loans with submitting detailed letter. Their XXXX and XXXX mortgage is like XXXX different banks who does n't care each other or their consumer 's situation at all.Finally had to filed chapter XXXX few days before the foreclosure court date in order to avoid foreclosure from the XXXX mortgage. While my case in the Bankruptcy, Going through same circle and finally had XXXX mortgage to review my file for the XXXX time, but while I was waiting for their appraisal to come through they send a notice for rejection and by the time I received the notice, responding dead line is already passed. That was so frustrating experience, after waiting XXXX years to have my second mortgage to review my file and got rejected for refusal of appraisal while I was waiting for their appraisal set up to go through week after due to their appraisal 's schedual.
Received their notice passed their dead line to respond.
THAT WAS QUITE AN EXPERIENCE HOW BAD THEY NEGLECTING ON THIS CASE.
I even overnight to responds on their refusal but only answer came back was just resubmitted.
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Company chooses not to provide a public response | XXXX XXXX, XXXXIn XX/XX/XXXX we purchased a manufactured home with Bank of America. We did not receive a settlement packet from Bank of America to offer options. Bank of America financed the home with an interest rate of 8.25 %, this interest rate resulted in {$86000.00} in interest. I have researched the interest rate for 1997, the highest housing interest rate during 1997 was 8.06 %, consumer with low credit scores. We paid all of our bills on time and our credit should have been in very good standing. In addition, enclosed is an article where Countrywide Mortgage Company, a company purchased by Bank of America gave XXXX XXXX higher interest rate regardless of their credit rating and referred to XXXX XXXX as " XXXX. '' We strongly believe that Bank of America performed the exact procedure with us as an XXXX XXXX family. We have struggled on a shoe string budget and have paid over {$100000.00} for this home and still owe at least {$38000.00} on a home that is falling apart. The plumbing fixtures, kitchen and bathroom cabinets and carpet were of the lowest quality. The heating and air units lasted about 5 years after we purchased the home. We are currently using portable electric heaters and window units, which results in extremely high electric bills.
As an XXXX XXXX family in an isolated rural area, we were seeking the American dream of home ownership, we did not realize that we were being taken advantage of by Bank of America at the time of purchase. We believe that based on Race, Bank of America gave us the highest interest rate to purchase a home that clearly was not worth what we are having to pay. We were not treated fairly by Bank America and was told by management that we would receive an settlement packet.
Bank of America has sold our home to XXXX XXXX XXXX, we did not receive a contract with XXXX XXXX XXXX XXXX, just a letter informing us where to send the payments.
Desire Outcomes:1. Receive a settlement packet from Bank of America.
2. For the loan to be extinguished, because we have over paid for this home.
3. Refund the amount that has been over paid.
XXXX
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Company believes it acted appropriately as authorized by contract or law | On XX/XX/2015, my husband and I received a Notice To Impose Claim in the amount XXXX and took the deposit of XXXX for a final water bill of {$100.00}, carpet replacement XXXX, XXXX trash removal of XXXX couches left outside of apartment, XXXX steam clean title, XXXX Rent credit for a balance due of {$1300.00}. We were told in the notice if objected with the balance to write them in writing within XXXX days. I responded to their charges informing them in writing that we did not agree with certain charges such as the removal of the sofa, steam cleaning the tile and replacing the carpet and to use the surety bond to pay for the water bill which was explained to me as my deposit they can claim against if need be after moving. We never received there response and instead received a letter to pay the amount of XXXX and a separate debt collection of XXXX dollars for the surety bond. I called and spoke to a rude and non sympathetic woman by the name of XXXX XXXX in regards of this matter and explained to her the same information back in XXXX in regards to the amount of XXXX. She refused to hear what the issue was and stated we should have scheduled a walk through upon moving out the apartment. I explained to the woman that per the lease we were entitled to the walk through but was denied a walk through the day my husband came into the office to report someone had placed couches outside our building and did not want to be accused they belonged to us. I called this morning about the debt in the amount of XXXX and the same debt collector in regards to the XXXX because it has been reported to my credit report without any consideration of what I disputed. I do n't believe its fair to make someone pay for something they are not responsible for and without any evidence showing that we were responsible to replace their carpet or pay for removing items that did not belong to us especially without evidence. I lived in that community over 4 years and they have never provided a walk through for any tenant who lives there before moving out. I feel like they have taken advantage of us and now is out to ruin my credit. XXXX XXXX even went as far as saying to me this morning to say if you are not calling NCAC to pay this debt then there is no further discussion, this debt will just remain on your credit report for 7 years. I ffeel like the property management company XXXX XXXX managment did not have adequate information to or legally charge us with a debt without verification and validation as they are suppose to provide. It is unfair and unjust for any company to abuse their power to gain money by reporting debt that has not been legitimately verified. I 'm sure we are not the only ones that have been treated this way.
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Company chooses not to provide a public response | I filed a complain against XXXX XXXX in regards to my daughter XXXX account. My contracted had ended and I refused to do a re-contract with them because of their poor business ethics. The closing balance was reporting as oweing {$1300.00} on my credit report. I contact them numerous times in regards to the balance. I was told that after auditing itemize the account it will be corrected. After Auditing was done they end up owing me money. Upon several month there was no changes made. So I then disputed the amount with the Credit Reporting Agencies. So instead of updating the account XXXX XXXX deleted the entire account as if it never existed. I called them XXXX different times as to put it back they keep telling me that is has been taken care of. They keep saying that they did it, its now up to the Credit Agency. I check Transunion this morning it still have not been placed back. Please keep in mind that this has been going on since XXXX 2014. I called today and they told me that they ca n't put it back because I request that it be removed. Why would I do that if it was a paid off account? So I then called to speak to a Supervisor. The XXXX says that its best to have it deleted because it was paid late. This account was not in late status I have proof from the documents I give to the XXXX.
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Company believes it acted appropriately as authorized by contract or law | 1. Hospital visit XXXX XX/XX/XXXX2. My employer provides health care at 100 %. My XXXX XXXX company is XXXX3. XXXX paid the medical bills5. Then, in XX/XX/XXXX a collection agency, XXXX XXXX XXXX, placed a negative item in my credit report stating I had not paid the doctor.
6. I call the doctor. They state that their accounting firm at the time went out of business and sold its accounts to a collection agency.
7. We send an email to the Manager of the collection agency and spoke with his staff. They state they do not have the actual invoice which was not paid, only an entry in the database they received from the defunct accounting company.
8. The item is removed from my credit report.
9. In XX/XX/XXXX a different collections agency, Commonwealth Financial, places the negative item back in my credit report.
Commonwealth Financial has this error in a database which they got from XXXX XXXX XXXX, which got it from the accounting firm which went out of business right after we used the doctor and XXXX paid the doctor.
It seems that there is just a big scam where XXXX accounting firms sells accounts to another agency which further sells it to another firm, when in fact the first company had already been paid by the insurance company. XXXX collections agency scams another agency, which then scams another, when in fact there is no debt to collect as the initial firm received payment years ago.
My credit score is hammered each time a collections agency buys the account from another XXXX and puts this incorrect item in my credit report.
I need your help to stop this once and for all.
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Company chooses not to provide a public response | I submitted a payment through the credit card website. The credit card already had all my checking account and routing information saved, since I have made payments in the past with no issue. I bank with a large national bank and I know none of my account information has changed. My payment due date was XXXX/XXXX/2015 and I made my payment on XXXX/XXXX/2015. If I did not religiously check my checking account and see the payment was not posted, I would not have known that there was a problem. I contacted my financial institution ( not the credit card company ) and they stated they did not receive any debit requests on my account. So I know it was not my bank, but the credit card company that was having the issue. I did not receive any communication or notification that there was a problem with the payment. So not only was I not notified that there was a problem with the payment, but the credit card company charged me a fee for a returned payment. This credit is a Macy 's Credit Card issued by Department Stores National Bank. I submitted XXXX inquiries through their " preferred '' communication channel. The XXXX inquiry was submitted four days ago and I have received a response. The XXXX inquiry was submitted 24 hours ago, again no response. I feel that this is a deceptive and abusive practice on the part of Department Stores National Bank ( Macys ). This is blatant attempt to increase fee revenue on a customer that pays their bill in full and on time. I could understand if I entered the information incorrectly ; however, this is not my first time making the payment through their website debiting my checking account. All previous payments posted without an issue. And the lack of any communication/notification means they are trying the hide the fact that they made an error and charged the customer a fee. Typically, people will only check their account when the statement is generated. By then, most individuals are accepting of the fees and do not realize that they were also charged interest on the unpaid balance. This is Department Stores National Bank 's greed coming into play.
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Company chooses not to provide a public response | I financed a truck with ALLY at the end of XX/XX/XXXX. It was my understanding that payments would begin in XX/XX/XXXX, but I did not receive any paperwork from ALLY. In early XX/XX/XXXX, I received a phone call on my cell phone ( not my preference because I have a severe hearing loss ) while out of town with a very rude service person demanding to know where my payment was. I clearly stated that I had not received any information from ALLY, and that intended to pay as soon as I knew all of the particulars. In the end, I made a payment over the phone and made it clear that I owed no late fees because of ALLY 's error. Since then, I periodically receive late fee notices that are now nearly the amount of a payment. I have written to dispute this error repeatedly and in XX/XX/XXXX checked my credit and ALLY has listed me as XXXX thirty days late on a payment. I have never been late on a payment and have it set up with my credit union to automatically pay ALLY every month on the XXXX. ALLY calls and tries to force me to use their check service for my payment which charges an additional fee, and I tell them repeatedly that my credit union does not charge me any fees and it is automatically deducted from my checking account. Now, I got a credit alert that ALLY has listed me as being late on XXXX payments! This is totally untrue and my credit score has dropped by XXXX points! I want the late fees removed from my account and my credit deleted of any late payments.
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Company believes it acted appropriately as authorized by contract or law | Car was a lemon and was returned
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Company chooses not to provide a public response | I subscribe to Experian 's Credit Monitoring Service.
They send me ALERTS when things change as they relate to my credit score.
I received an alert this month that said my Experian FICO credit score had changed.
Upon logging into my Experian credit monitoring account it said that " my scorehad " dropped '' by XXXX points ''. Their service had previously alerted me that my score had increased in XXXX 2015 by XXXX points and increased again in XXXX 2015 by XXXX points. I was reasonably alarmed as to what was causing such a dramatic drop after two months of moderate increase and " NO changes to my credit profile at all, no new accounts or lines of credit, no missed payments etc ''. There is nothing at all that has occurred that could explain this. Their system asked if I would like to " order a report from all XXXX bureau 's '' which incurs an expense to me, but I did so to seek explanation for the sharp decline. Upon looking through all the reports thoroughly, there is NOTHING there that would explain it or indicate ANY reason for a decline. I called Experian spoke with a customer service rep ( XXXX ) and his manager ( XXXX ), neither of which could make any reasonable argument, make any sense or give clear explanation for the dramatic score decline.
Also, XXXX and XXXX both maintain my high score at XXXX. So ... it is more than curious that Experian " the ones doing the monitoring - drastically cut the credit score, then send their consumer an alert to generate concern so that they buy a report so as to investigate '' and then consequently have no reasonable explanation for why such a dramatic decline too place. I can only speculate that this is part of their revenue generation algorithm.
It raises serious concerns over the credibility of Experian 's score keeping policies and practices. They need to be investigated.
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Company believes it acted appropriately as authorized by contract or law | I received a message from a family member that XXXX associates were trying to get a hold of me. I called the company with the correct case # and the gentlemen ( who did not provide his name ) asked if I was me by name and I said yes. I asked for the company name and he provided then started to go into details of a debt that I am unsure of without letting me know it was a debt collection call. I asked for info to be mailed to me at my address on file. He started to get hostile and claimed I have already received notices and kept trying to verify personal information. I claimed I have not received any notices and he asked why have n't I been paying my bills then. I told him I do n't have an account from the company they claim is the original creditor and to send me proof by mail. He kept trying to get me to verify personal information and I told him I am not verifying any personal information on the phone and he hung up on me.
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Company chooses not to provide a public response | I had a credit card with XXXX XXXX XXXX XXXX XXXX which was charged off i have a payment arrangement with XXXX i keep getting letters from XXXX XXXX XXXX XXXX i tried to contact XXXX XXXX XXXX letting them know this is being taking care of by XXXX and XXXX, they still keep sending me letters i even faxed a copy of the letter i reveived from XXXX XXXX XXXX. that did not stop them also, i am fedup with them please help me. attached is a copy of the letter from XXXX XXXX
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Company chooses not to provide a public response | There are XXXX accounts on my credit report that are not correct ... XXXX Bank master card ... never had XXXX ... .XXXX ... charged for an item not received ... XXXX..acct. paid off over six years ago and equipment turned in ... do not owe any balance
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Company chooses not to provide a public response | I applied for a Affordable Modification Program on XXXX XXXX / XXXX my Mortgage XXXX named : U.S. Home Mortgage Bank ( my Relationship Manager is, XXXX XXXX ). I have placed severalcalls to get my status to find out that it is still in Gate Keeping. I amconfused of how long this process is taking ( approaching four months ) as I have been told it has not reached the Underwriting department.
I need assistance with who ever is in control to investigate to find outwhy this process is taking so long. My reason for applying for thisModification is due to loss of job and finding new employment witha much lower salary then what I was making when I XXXX took out theloan. This is a Hardship on me to carry all of my financial obligationsand make my high mortgage payment on time. Clearly, if they reviewall of my financial statements that I included it will prove that my salaryis much lower. Please Note : Each time there has been a request fornew documents, I have submitted them immediately in hope to movethis process along. Please put me in touch with someone that canassist me in this critical request for financial relief.
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Company believes it acted appropriately as authorized by contract or law | This company said they sent me XXXX letter over 15 months ago with information about a debt. I do not have record of it. After repeated attempts to contact them, they were purposefully withholding information about the debt from me ( telling me to contact my insurance or the physician ). They would not send me any more information without my first sending them a written request, even though they verified my identity on the phone.
After multiple phone calls with them and disputes, they never returned my phone call. They claimed to have contacted my physician to see whether the debt was still outstanding, but never followed up with the physician or myself. Every month, they keep reporting that the debt is unpaid, even though it was paid before they received the collection request.
They have terrible communication tactics, bad policies that do not make it easy for a consumer to obtain information about a so-called debt, and do the bare minimum ( of contacting people XXXX time then never following up ) on trying to resolve a dispute.
They did not let me speak to a manager or someone who had authority to give me any information about the debt. If I ca n't get this resolved, it will cost me tens of thousands of dollars because it 's adversely affecting my credit score and I 'm applying for a mortgage right now.
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Company chooses not to provide a public response | I received a letter from a credit card co. that my account was closed because it was past due, but I was unaware of a balance because they stopped sending a statement, and they did n't send an e-mail notification either. I paid the outstanding balance, which included {$99.00} in fees plus interest, because I thought it may have been my error, but after researching the matter realized it was n't. now they say because the account is closed and the balance has been paid off they ca n't refundthose fees. I have always up to that point paid my bills on time. This has had an impact on my credit rating.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | I was sent emails about a debt that they claim I owed to XXXX.com. I responded back that I am willing to clear this debt if I can make installment payments. They said if I could make a payment ASAP they would settle for XXXX of what is owe. The issue I had was that I asked for official documentation stating the original amount of the loan and how much is owed. They could n't give me the information until after the amount settled for is paid. And another thing they wanted me to send money my XXXX to an " employee '' instead of to the company,
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Company believes it acted appropriately as authorized by contract or law | On XX/XX/XXXX, I received my credit report from XXXX. On XX/XX/XXXX, Transunion opened a dispute I had with Accelerated Financial Solution aka/ AFS. On XX/XX/XXXX, I received a response from XXXX showing both accounts with AFS were verified, no change. Total amount supposedly owed on XXXX accounts totaling {$690.00} account # 's XXXX & XXXX.
On XX/XX/XXXX, I submitted another dispute claim with XXXX stating again I had no knowledge of this debt and did not owe them any money. Furthermore, why would a business make XXXX separate loans at different times totaling {$690.00} when the XXXX loan was n't paid. I have no idea when these loans were initially opened. Also, I made a request to cease and desist any further collection action.
On XX/XX/XXXX, I received a response from XXXX which state the exact same comments from XXXX, verified, no change. Their correspondence dated XX/XX/XXXX.
I received XXXX collection letters from AFS dated XX/XX/XXXX in which there advised me of the debt and I had 30 days to dispute the debt. It also showed on their letters accounts were purchased from XXXX XXXX XXXX. Prior to their letters I had received no collection correspondence or phone calls from either business.
On XX/XX/XXXX, I contacted AFS and spoke with a person named XXXX @ XXXX. I explained my contacts with XXXX and my dispute with his business. He seemed very unconcerned and kind of smart attitude. Told him I was going to sue for harassment infringing on my rights.
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Company chooses not to provide a public response | I have asked this company multiple times for a copy of the contract that they said i signed. I have offered to send a copy of my drivers license to show i didnt sign for or authorize services with XXXX XXXX XXXX
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Company chooses not to provide a public response | To whom it may concern : I am writing in the hopes of correcting some errors on my report. Experian has sent me XXXX different credit reports, with XXXX different names, although I have legally changed my name, and provided them with the legal document, provided to me by the Common Wealth of Massachusetts , Trail Court, Probate and Family Court, XXXX Division, on XX/XX/XXXX. The reports with the names XXXX XXXX, and XXXX XXXX, share the same information, which have many errors. The report with my current name, XXXX XXXX, does not show the same mistakes and I need to make them aware that these reports all belong to the same person. In the reports with my past names, it states that my spouse or co-applicant is XXXX, which is an error. I am not married. I was briefly married to this person but the marriage was annulled due to fraud. Therefore I need the name to be removed from my report, as it is incorrect information. Also, the report erroneously reports that I have lived at : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MA XXXX. I have never lived in XXXX, MA. The report with the name XXXX XXXX does not show the XXXX address or the spouse/co-applicant, as XXXX.
I legally changed my name because the credit reporting agencies continued to link my accounts with those of my mother 's and sisters but now it seems they are mixing up my names. I was born, XXXX XXXX, my mother later changed my name by adding her last name, changing it to XXXX XXXX. Due to all the issues with our linking accounts I removed my mothers last name and changed my first name. My legal name is XXXX XXXX, and I need my report to report the correct information under my legal name and not past ones, that I no longer use. The XXXX report shows my previous name as XXXX XXXX, but my XXXX XXXX report only shows XXXX XXXX under my names used in the past and I am very concerned that since the reports provide different information they think they are dealing with XXXX different people.
Finally, my Student Loan Corp, which were transferred over to XXXX XXXX XXXX XXXX are reported as past due since XX/XX/XXXX, which is wrong, since my last payment was XX/XX/XXXX, but I pay the loan monthly. These XXXX loans, shown on my XXXX XXXX credit report, on pages XXXX and XXXX, have been transferred to XXXX Bank and are paid monthly, and never late. I have been paying these loans for more than a year and they are reported incorrectly, as past due.
Thank you for your attention in this matter.
Sincerely, XXXX XXXX
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Company chooses not to provide a public response | i paid XXXX in fullDelete the XXXX credit record ( # XXXX, opened XXXX ).
XXXX XXXX XXXX Installment XXXX CREDITOR : XXXX CREDITOR : XXXX XXXX REPORTED DELINQUENCIES : XXXX PAIDPAID COLLECTIONCOLLECTION ACCOUNTCollectionAttorneyClosedunt
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Company chooses not to provide a public response | XXXX XXXX has placed XXXX credit inquires on my Experian credit report in XXXX, XXXX, and XXXX 2014.
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Company chooses not to provide a public response | We own a home in XXXX XXXX XXXX, FL. It is valued at around $ 550K We took out a HELOC with Bank XXXX it was an interest only loan. When BBT took over Bank XXXX we were at a balance of {$240000.00} we were contacted by BBT and told, " they do not service that type of loan '', " we would be put on a 15 year payout with a 3 year balloon '' " 6.875 % interest '' " that 's the best we can do ''. It was far above what we were comfortable with and we communicated that. We tried to wrap our XXXX and XXXX mortgages together and make it more manageable but do to the low value housing market in our area in XXXX and the balance of the XXXX mortgages we would have had to come up with {$50000.00} to close. We did n't have the money to do that and so we accepted the exorbitant terms. We have remained current for the last three years and paid down close to $ 40K. I contacted XXXX XXXX with BBT XXXX XXXX business lending around XXXX XXXX, XXXX knowing we were set to term on XXXX XXXX. I told her our situation and that the terms of the loan were creating a hardship and we 'd like to combine XXXX mortgages of {$360000.00} and that we had an excellent tenant covering what the combined mortgage would be saving us close to {$3000.00} per month on a 15 year loan. I turned in our financials to XXXX with the exception of XXXX since we are on extension. Although I had our XXXX income compiled I did not have the rest of the accounting done. XXXX said we would not be able to proceed without it. At that point I decided to move over to the residential side and attempt running the loan through that department. Because of new restrictions I was told we would most likely not qualify. That department was also needing our XXXX business accounting complete which we have not completed and are on an extension. So, we decided to let the loan roll on and continue to struggle making the {$2800.00} payment. It is now XXXX XXXX and I have received in todays mail a maturity statement stating {$200000.00} is 10 days past due. We feel we have been unfairly treated since they took over the loan from Bank XXXX. It seems as though their aim is to bring us to financial ruin. Even if they did n't want to combine and add the XXXX mortgage on, why will they not give us reasonable repayment terms? We have never missed a payment. While it 's true we 've been adversely affected in the last few years with less business income we have continued to adjust as needed to meet all of our obligations. We would like to know our rights and our recourse against this seemingly impossible situation. We would also like to request that the original terms of our Bank XXXX loan documents be compared to the new BBT loan documents we had no choice to sign to see if there were any inconsistencies or mishandling in regards to the transfer of the loan.
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Company chooses not to provide a public response | On or about XXXX XXXX, XXXX, without my knowledge and without my written authorization, XXXX XXXX XXXX received a copy of my credit report, as indicated on my credit report. As the widow of one of its shareholders, I was requesting to be reimbursed by XXXX XXXX XXXX for personal loans in excess of {$73000.00}, that I made to XXXX XXXX XXXX in XXXX, as the defendant in multiple lawsuits, including dissolution of the corporation by a surviving shareholder. Because of that specific lawsuit, XXXX allegedly needed operating capital, which I partially supplied in the form of XXXX loans that remain outstanding after all these years. I did not apply for employment with XXXX XXXX XXXX at that time, and there was/is no need for XXXX at any point in time to go behind my back for a copy of my credit report. Posing as my " potential employer '', and in order to fulfill the credit bureau 's requirement, someone allegedly had my signature forged on its application for my credit report, and was successful apparently, as XXXX appears as an employer on my credit report to this day, XXXX. XXXX XXXX XXXX had my personal information on file, in order to add me to the group health insurance policy, due to my marriage to XXXX of its shareholders, XXXX XXXX XXXX, who later died. At the point in time of the credit report, there was/is no offer of employment by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. and/or XXXX XXXX, XXXX, nor did I seek an employment position with XXXX after meeting XXXX XXXX, and marrying him in XXXX. After being shocked to see XXXX as XXXX of my employers listed on my credit report, I immediately complained to the XXXX credit bureaus that I had not signed any document authorizing XXXX to gain access to my credit report at any time, nor did I have any knowledge of its intent to do so without my knowledge and/or signed authorization. I have repeatedly requested from the XXXX credit bureaus, copies of each/every document XXXX forwarded to the credit bureaus, including a copy of my authorizing signature, in order for XXXX or anyone associated with XXXX including XXXX XXXX, to receive a copy of my credit report, the purpose for which remains unknown. This request has not been acknowledged nor responded to by the credit bureaus. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY, did not/does not have any right to access my credit reports, nor to receive unauthorized credit reports. Because of XXXX 's action, I believe my rights have been violated under credit reporting laws. According to the New York Department of State, XXXX 's corporate attorney is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, - XXXX, XXXX, New York XXXX. XXXX XXXX XXXX is XXXX 's business operations XXXX, XXXX XXXX, and XXXX XXXX XXXX are majority shareholders of XXXX XXXX XXXX, upon information and belief. I am requesting a full and complete investigation into the unauthorized access of my credit report by XXXX XXXX XXXX. I also request a copy of each/every document forwarded by XXXX XXXX XXXX to the credit bureaus, for the purpose of my becoming employed by XXXX in or around XXXX, in order to get an unauthorized copy of my credit report, with said credit report actually being supplied by the credit bureaus to XXXX on or about XXXX XXXX, XXXX. Thank you. XXXX XXXX.
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Company believes it acted appropriately as authorized by contract or law | I had a credit card with Banco Santander XXXX XXXX which I did n't use for many years, so the balance was XXXX. They collect an annual charge of {$45.00} and maybe that 's ok. but suddenly they started to charge late fees and other fees up to {$90.00} I tried to negotiate with them opening a claim but they declined turn down and charge off the account for just {$90.00}. Practices like that are really abusive.
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Company believes it acted appropriately as authorized by contract or law | I was behind on my timeshare maintenance dues payments. I owed about {$1200.00} and I paid the past due amount plus the next months payment in full on Friday XXXX/XXXX/2015 on my original creditors website and they accepted as payment in full. The following Monday XXXX/XXXX/2015 I got a call from Pinnacle Recovery Inc. and talked to someone names XXXX. She said I owed about {$1500.00} for the account dues that had been handed over to them. I had not heard from Pinnacle prior to this ever and had already paid my original creditor in full. I explained to her that I had already made payment in full to satisfy the debt and there was nothing more I was obligated to pay. She continued to push the issue and stated I owe them ( Pinnacle ) {$300.00} additional because the account had been assigned to them. I had never heard anything from them or had any contact whatsoever before I made my payment to my original creditor. XXXX called me back about a week later and said that I still owed them the {$300.00} and I said no because the timeline does n't support their statements and I got my payment into my timeshare before ever hearing from them. This company is a joke!!! What do n't they understand about me already paying my debt. I sent certified letters disputing my case and sent emails with the payment confirmation I made on XXXX/XXXX/2015 to show as proof ( see attached documents ). I am really tired of these bottom feeder tactics and have notified my attorney just in case they continue to pursue this. Please see the attached documents showing the timeline of this. Also please note on the Pinnacle Document XXXX attachment the sentence that says " Please do not contact XXXX, The Club regarding this debt until the amount has been satisfied through our office '' I would have gladly followed the correct procedure and paid the debt through Pinnacle but I had already made payment in full to XXXX as seen in my supporting documentation and payment confirmation letter from Worldmark. I am not one to skirt the issue or find ways to be deceptive. I believe in following correct policies and procedures. What I do dispute and have objection too is companies like Pinnacle who try and take advantage of people and not look at the facts. I will not stand for this and and demand this be taken care of now!
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Company chooses not to provide a public response | I have neither claimed or denied the debt. I asked for verification and they claim they had mailed it out over a week ago. I have not received anything in the mail. Now they are calling my work office main line which is totally unacceptable since I told them they could reach me threw my cell. I have not received any new calls on my cell from this company and now I am taking legal action to get these calls to stop at work.
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Company disputes the facts presented in the complaint | I have disputed this debt several times in which this company was sent a certified letter requesting validation of debt that supports their claim that I indeed owe this debt and the amount in question. Reporting this without the info requested is defamation of my character and it is affecting my ability to enjoy good credit. The FDCPA states I have the right to ask and receive the information that they have yet to furnish to me. I received a certified letter from Receivable Management yesterday that contained a copy of the letter I sent to them which I have attached to this complaint. By law reporting this debt without proof is a violation. I have also attached a copy of my credit report which is dated for today 's date and XXXX XXXX is still reporting it and I 'm not happy. I 'm requesting your assistance in helping me to resolve this matter fairly and quickly.
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Company chooses not to provide a public response | I had a XXXX XXXX in XXXX 2013. I had no medical coverage so I applied for grant coverage for the hospital bill. I had outside bills such as the doctor, XXXX and XXXX. I paid the bill of {$1700.00} to the XXXX. I called the phone # given to me from the collection dept. When I called that number they said they could not look me up XXXX the bill is sent to collections but if I wanted to backtrack to call the hospital. I did that but only got the answering machine and left a message. I have not heard back from them yet. Another issue is I have moved XXXX since the time of XXXX and have left forwarding addresses. I never received a bill or letter stating I owe this amount and why. I am signed up with Credit Karma and they alerted me by email that there is unfavorable activity on my credit report. That is how I found out it was Chapman Financial who turned me over to collections. I looked up their phone # online and called them. I just received a letter for the collections yesterday. What is the best way to dispute this and get it off my credit report?
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Company believes it acted appropriately as authorized by contract or law | I got XXXX and was off work for a couple of months and we got behind on the mortgage so I wanted to do a modification and went through the process we sent in all our information and waited on their response. Finally we got a letter in the mail informing us that our mortgage payment has went up over XXXX dollars a month for the rest of the loan. Our payment went from XXXX to XXXX for the remainder of the loan. We were told to pay the new monthly payment or they will take home. After talking to many different people asking why our mortgage has went up someone finally told me that after looking at our finances they determined that we could afford the make the higher payment and if we could n't we would have to do a short sale or get our home taken. This is the WORST mortgage company in America!!!!!
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Company believes it acted appropriately as authorized by contract or law | ARS received a request for debt validation and to cease communications by phone on XXXX XXXX 2015, I have a copy of the signed receipt of the letter. XXXX XXXX XXXX 2015 they began to attempt phone communication again and still have n't validated the debt. Per the Fair Credit Reporting Act they are not to be attempting phone contact since 1 ) the validation still had n't been given and 2 ) they received a written cease letter.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | Water came into my kitchen from a broken pipe at XXXX XXXX XXXX XXXX. XXXX, GA XXXX. I share a wall with this townhouse. The address is a foreclosure and XXXX XXXX XXXX is the mortgage holder now. I have been fighting this issue since XXXX 2015. My only contact at XXXX XXXX is XXXX. She has at times been friendly, sometimes hostile but never comes through with a solution. I feel as though I am being ignored. I do n't know if I have mold growing under my linoleum or in the wall. The water continued to come in for a month because there was no way to enter the house and everyone I contacted blamed it on someone else. I hired a plumber who told me it was coming from # XXXX. He could reach into a broken section of their garage and could feel the standing water. Finally the original mortgage company, XXXX XXXX, sent out XXXX men who entered the house and fixed the pipe. On XXXX/XXXX/15 an inspector was at # XXXX. He would not tell me who sent him, but only said they wanted to know what the lady next door ( me ) was complaining about. He said there was a leak in every room and possibly black mold in the sunroom. The roof at # XXXX has been soft for years. The hole in the roof over the sunroom has been there for more than 6 years.
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Company chooses not to provide a public response | I have had a horrible experience with my mortgage from BB & T from the start. However, this latest issue has really frustrated me. My intention from the start has been to pay {$1600.00} towards my loan, XXXX a month. My monthly payment is around {$2700.00} and the remainder is to be used to reduce the principle. The reason why I am paying XXXX a month is to reduce the interest that accrues on my loan. After contacting the bank today, I learned that they do not apply my {$1600.00} payment to the balance of my loan until the full monthly payment is received. The money sits in a " suspense account ''. Therefore, I do not pay less interest at all. However, BB & T has my cash that they can use to invest and earn profits for themselves!!! Their customer service told me that their system is not set up to support bi-monthly payments.
However, on top of all of that, BB & T sold my personal information to multiple organizations. Since closing I have received multiple letters in the mail from different companies offering to help me pay my mortgage and suggesting that I consider making bi-monthly payments because it will reduce my overall lifetime mortgage cost. It is just wrong that BB & T does not offer bi-monthly payments to their customers but will sell your information to other companies offering to do just that!
This is just a fraction of my issues with BB & T. In addition, they lost my original loan paperwork with all of my personal information on it. To date I have received no follow-up on that issues, so as far as I know it 's still lost. And, I had a horrible experience with my mortgage loan officer who was incompetent and incredibly rude. I would refinance in a heartbeat if it were n't so costly!
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Company believes it acted appropriately as authorized by contract or law | The company has failed to properly update my credit report to state that this account is included in a bankruptcy filed in 2012. They continue to report inaccurate information,
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Company believes it acted appropriately as authorized by contract or law | I contacted National Credit Systems to attempt to resolve my debt at an apartment community I use to live at. XXXX XXXX, the representative over my account was obscene, being rude and stating that she was n't trying to hear me say what was legal because I am not a lawyer. She then transferred me to her manager, or supervisor, voice mail. I left him a voice mail. Then I called back to ask if a different rep could be assigned to my case and the operator informed me that no that could not be done. She gave me the manager and supervisor extension ( XXXX XXXX XXXX XXXX XXXX ). I left a voice mail with XXXX of them also. I am trying to resolve this debt before it hits my credit and XXXX XXXX is not allowing me to do so because of her disrespect and non cooperative attitude and behaviors. I have read the laws governing fair debt collection and consulted with legal counsel regarding it. XXXX XXXX told me that even if I was paying on my debt since it was n't auto drafted from a checking account it would not stop it from being reported to the credit bureaus. This is a violation and unfair credit practice. The call was monitored and recorded so there is proof.
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Company believes it acted appropriately as authorized by contract or law | Ftc case # XXXX, XXXX/XXXX/2008 states that reporting of tribute XXXX ( compu credit ) by XXXX party collections is prohibited. I have sent this documentation and a request for removal per this ruling to XXXX XXXX XXXX. They are refusing to remove this trade line after receiving sufficient information supporting the request for removal.
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Company chooses not to provide a public response | I applied for a XXXX XXXX Visa Signature credit card in XXXX. At that time, they advertised the card as offering a " Bonus Award Night ''. This means on award stays of XXXX+ nights credit card holders receive XXXX XXXX free. Less than two weeks after my application, this benefit was canceled starting XXXX XXXX. There are other, smaller, changes as well. All of this took place in less than three months after receiving my card and paying the annual fee.
I have not even had the chance to earn the points promised to me for hitting minimum spend requirements of {$2500.00} before the benefits associated with such points have been taken. In short, I feel US Bank was deceptive with their advertising and dramatically reduced promised benefits with such little advance warning as to make the situation resemble a bait-and-switch offer.
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Company believes the complaint is the result of a misunderstanding | I have been trying to pay my car note to this company and they charge an {$8.00} fee that they will not always tell you about. I have been paying on this car for over 2 years and have paid this ridiculous high fee every time I pay by phone or online except for XXXX time. The only way to avoid the fee is to mail it in and they wo n't tell you that unless you ask. I 'm having financial issues and I asked if they could waive the fee because I did n't have enough for it. I was told to call back Monday because only a supervisor could waive it and there was not XXXX in the office that day. So I call back Monday and the agent tells me that I have a credit on file and they could use that for the fee. I done see how I could have a credit when I still have a balance. XXXX of the agents told me that they do n't apply it to the balance unless I tell them too. I had no idea that was the case. And I 'm appalled that they would n't automatically put it towards the balance due. I talked to XXXX different agents and both lied to me stating that there is no way the fee could be waived. When I told them that I know that 's not true because it 's been done once before. They put me on hold for a supervisor. The XXXX time it took too long and I disconnected the line because I was at work. The XXXX agent I spoke with got a supervisor on the line. I spoke with collections supervisor XXXX. She was rude right off the back. She told me that there is no reason I should be talking to her because the fee ca n't be waived even before I was able to explain my situation. When I told her I know that is n't true she said " well, we get charged so why do we have to eat the {$8.00} fee for you?! '' When i asked her for her employee ID number or badge number she stated that she does n't have XXXX. She did n't even let me speak without talking over me or cutting me off until I asked her to let me talk. I then told her to notate my account that I will be mailing in my payment she said NO because I 'll be late and pass the 10 day grace period. My payment is due on the XXXX and I spoke with her on the XXXX. When I told her I 'll be filing a complaint her tone completely changed and said " well I 'm still not going to eat the fee for you ''. She told me that I had " a late fee or something " when I 've never been late. And how could I have a late fee if there is a credit on file and I 've never been late? she went back to " we can put the credit you have towards the rest of the balance and you pay the fee ''. I told her that I do n't have a credit because I have a balance. She then stated that it is applied to the balance, which completely contradicts what the agent who transferred me to her told me. Sthe payment due is {$280.00} and some change. I told her that my statement says different so I wanted to pay the amount on my statement which is {$290.00}. She told me that is not what my statement says. I had the statement in my hand when I was talking to her, and she stated " well, I do n't have your statement in front of me. '' I was completely shocked on how she handled my account, giving me false information and the when I corrected her or asked her questions on what she stated, she completely ignored it and went back the {$8.00} fee. I do not want someone like XXXX, the only XXXX there as she claimed to have any type of access to my account. She gave me false information and lied about me being late on my payments and not clarifying if a late fee was assessed on my account or not. there is no other way to avoid a fee unless I mail it in, and if mailed in, according to XXXX, I will assess a late fee. I do not have the luxury of having the money to mail in a payment and ensuring that the payment gets there on time. I try my best to pay my bills and Sometimes I have just enough for the bill due. I want to pay my bill on time but according to XXXX, in order to do that I have to pay {$8.00} or get a late fee.
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Company chooses not to provide a public response | I was called by the number XXXX. I was asked to verify my name. I did. I asked who was calling. They did n't answer the question, but instead asked me to verify my social security number. I told them I was not giving some stranger on the phone my security number if they would n't even tell me who is calling.
The caller ( a woman ) rudely said she would " mark on my file my failure to cooperate ''. She then hung up.
I looked up the phone number on the internet and it belongs to Medical Revenue Services in Florida.
" Failure to cooperate '' should NOT be listed in any file pertaining to me when the caller FAILED to identify their identity to me or why they were calling. I feel this is a fraudulent practice and such practices should be ceased!
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Company chooses not to provide a public response | Wells Fargo Bank allowed charged and account changes despite my calling and telling them my account were compromised. My Credit Card provided a line of protection and unfair and excessive fees were assessed, although sometimes waived in my favor. The bank was informed of a stolen debit card, and was supposed to replace the funds in a timely manner. After account numbers were changed at my insistence, the bank penalized me by closure of my accounts.
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Company believes it acted appropriately as authorized by contract or law | On what I think Was approximately XX/XX/XXXX, I got a call from USAA telling me that I had an outstanding balance on a credit card that was closed in XX/XX/XXXX. The balance was for {$14.00}. They told me that the card originally had XXXX cents and had accrued interest over the last 8 years. I told them that I had closed that account. They said that it was their mistake and credited my account the {$14.00} and closed the account. I asked them if this was going to affect my credit rating and they said that they were n't going to report it to the credit agencies. the following monday I got an alert from XXXX XXXX saying that my credit score went from XXXX to a XXXX. Not only did they not contact me for 8 years to settle the account, but they assured me that the outstanding balance was their fault and that no credit reporting would occur. I feel that I have been unjustly treated and my credit score should n't be affected.
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Company believes the complaint is the result of a misunderstanding | The collection rep advised I was able to take apart of a payment method via Credit card, when I called back to make the payment with the same payment method i was advised I could. The rep advised he never said I could make the payment with that method. I was unable to make the payment. I have requested to pay off and or get it dismissed due to their negligence**they did n't threatened to take legal action but the option I needed was not listed
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Company chooses not to provide a public response | Transunion Credit report # XXXX : The nbr of inquiries on my credit report is wrong. Transunion said I was unable to file a dispute on the nbr of inquiries. I tried online and I tried phone calls. I applied for and received a car loan last XXXX. I talked with XXXX dealer, whom shotgunned out my credit inquiry within a XXXX day period. That should have counted as XXXX inquiry and not XXXX. I currently have XXXX inquiries which is hurting my score and I should only have XXXX. All the other credit reporting agencies have the correct amount.
I dont understand how Transunion can play by different rules than the other credit unions. Please help. They refuse to help.
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Company chooses not to provide a public response | In 2007 my ex-wife and I divorced. I had XXXX vehicles under my name which were with XXXX XXXX XXXX as the cosigner, and Bank of America which I was the primary. The divorce proceedings lasted almost two and a half years. On the last day of the court proceedings I communicated with both creditors trying to salvage my credit as best I could. Both XXXX and BoA gave me no special treatment, their only advice was to pay both of the accounts in full by the close of the day, and the accounts can be removed from my credit bureau file after seven years has past from the XXXX deliquent reporting which was XXXX 2007 for BoA, and XXXX 2007 for XXXX. I agreed with both and settled both accounts immediately. The total pay off for both accounts was over {$30000.00}. The XXXX years has now past, and I have disputed the information with all three credit bureaus stating the allotted time has past and the accounts were paid in full. The returning investigation shows that the derogatory information has n't been removed but only updated. The first delinquency for the months of XXXX and XXXX 2007 now have been blacked out and report back " NO DATA ''. I have contacted both creditors asking why they have n't held up to the agreement made on the last court date. I have suffered with this on my credit report for the seven years, paid higher interest rates on everything I borrowed, or saved until I could pay cash long enough in the eyes of the law governing the credit reporting process. They have now changed the information in my files by deleting the XXXX delinquency, and therefor keeping me suffering with this on my file. Why and how are they able to do this? Are they able to do whatever they want regarding my information? They have to hold up to their end of the agreement and release me from my suffering.
Bank of America acct # XXXX # ending in XXXX XXXX XXXX XXXX
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Company believes it acted appropriately as authorized by contract or law | My complaint is against Monterey Financial Services XXXX Inc. in California. There are several problems with this company and their fees. I was charged a no sufficient funds charge of {$30.00} in XXXX XX/XX/XXXX. I immediately called my bank since I knew the funds were in my account. The bank said no request for payment was ever presented. I called this organization and they would not budge off the premise that I owed their fee. Additionally, they charged me with another {$15.00} which totaled {$45.00} plus my regular monthly payment of {$220.00}. I paid these ridiculous fees so I could be from under this debt as soon as possible. On XXXX XXXX, XX/XX/XXXX I scheduled what I thought would be my last payment. When I checked my account on the following Monday it showed a remaining balance of {$1.00}. I wanted to be away from this account as quickly as possible, so I wanted to pay this off. I was afraid to mail since I felt they would not be honest and post to my account so they could charge more fees. I tried to pay online where I knew they would charge an additional {$10.00} but I was kicked out of the site. On Tuesday, I decided to call to make the final payment and their phone system stated that I owed {$16.00}. I paid the fee so that I would have a {$0.00} balance. My complaint is after 24 months of dealing with this company I have paid a total of {$270.00} in what is listed as " other '' fee since I wanted to pay online so that my account would be credited on the day I paid. It seems to me all of these additional fees and how they collect them could not possibly be legal. They charge {$10.00} for late fees and {$10.00} for paying online and then they slid in the phony returned payment fee of {$30.00}. To make matters worse they are showing my last payment as a write off and not as a final payment nor do they show the {$16.00}. They show {$1.00} was the balance the day I paid the account in full.
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Company chooses not to provide a public response | Hello, My name is XXXX XXXX XXXX ( XXXX ) & I am writing in to your agency in order XXXX stop a Trustee Sale that is scheduled to take place against my home on XXXX. My hope is that a ticket/claim will be filed with your agency immediately due XXXX the time restraints/Trustee sale on my hom. I am hoping that the lender, out of courtesy for your company will postpone the Trustee Sale through the Trustee, scheduled for XXXX, in order XXXX allow resolve.
WHAT HAPENED : Just at the end of XXXX, I reached out XXXX XXXX due XXXX a XXXX scare. I had XXXX major XXXX in order XXXX remove XXXX XXXX. Other immediate family members also came down with horrible illnesses like XXXX, XXXX Etc. I was a single divorced mom and lived in Arizona alone. I needed a good amount of time XXXX recover and knew that I was becoming a person who had the potential XXXX default. I wanted the servicer XXXX know what was going on due XXXX reduced finances & illness and hoped to reduce my financial obligations with them. I hoped that I could get help from the servicer to make my home more affordable XXXX a XXXX time. The servicer Wells Fargo Bank, N.A was understanding and worked with XXXX to help me get on track. I paid a small delinquent amount alleged due totaling approximately {$400.00} dollars or so through the XXXX during that time. I then waited XXXX complete the process of a hopeful XXXX modification of my home in which I qualified XXXX after XXXX verified alleged illnesses & XXXX finances. As time went on & into XXXX I began XXXX make my mortgage payments, but did not worry much about paying slow, because I had already explained XXXX the loss mitigations specialist that worked with the XXXX that I had XXXX back to back, XXXX & had a small family residing in Arizona. I knew I would probably end up paying partial payments ( slow ), or XXXX payments due to illness. In the beginning it was hard XXXX me XXXX walk around and navigate in order XXXX take care of myself. Though I paid slow and some times skipped payments, which followed with me paying double payments, I always managed XXXX pay my mortgage despite my situation. Wells Fargo Bank, N.A did not put in writing that paying slow or making partial payments was no longer acceptable so I continued making payments as orally agreed XXXX via the loss mitigations specialist working on my case at the time. The oral agreement was reflected as implied consent by the servicer, because they accepted partial payments & late payments XXXX the entire yr. of XXXX. Their was no problem in XXXX until I accidentally skipped XXXX XXXX 's mortgage payment. Once I realized the mistake I quickly made a {$200.00} dollar partial payment the XXXX week of XXXX XXXX and then a second payment again of XXXX shortly after. I was literally no payments behind when they initiated the XXXX. I was I day delinquent when they filed due XXXX Wells Fargo Bank, N.A jumping the gun prematurely. Wells Fargo Bank, XXXX sent me a letter stating that I had until XX/XX/XXXX to pay off the delinquent amount. I paid the XXXX partial payment on XXXX as requested by the servicer. On XXXX the servicer initiated a foreclosure, which was one day XXXX they gave me a letter stating to Cure by XXXX in which I did by paying {$620.00}. The XXXX partial payment and {$620.00} payment covered XXXX the month of XXXX. I was never XXXX late days XXXX warrant the servicer jumping the gun in order XXXX initiate a XXXX against my home. The servicer had access XXXX ALL mortgage payments for 4 months after they initiated a XXXX without my knowledge. No notice of default was ever given. I sued an loss my case due XXXX technical error ( No Lawyer ). I have requested in writing approximately XXXX times to be allowed XXXX reinstate my loan, with no success. I am still currently able XXXX Reinstate.
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Company believes it acted appropriately as authorized by contract or law | Since we are requesting modification which caused me to fall behind on my mortgage payments I would like to be considered for a loan modification to decrease my payments fix my interest rate at a lower rate or increase the loan term and recapitalize or forgive the delinquent payments our loan transfer from XXXX after XXXX time package we submitted to lender than we are start submitted new modification XXXX times with new lender Select portfolio servicing and we never got any help or modificationIn order to get me caught up and prevent future delinquency My main goal is to keep my home for the long term we hit hard times recently and fell behind on our payments because bad loan term bad rate and financially hardship Since that time, we work hard and hardship is over and we improving every months My income is now improving we need help to modify my loan to keep family home
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Company chooses not to provide a public response | This is in reference to a CITBANK AAdvantage Platinum Select Card. I was charged for a payment protection plan I never agreed to, after several attempt and after being told it would be removed from account, it was not and continued to be charged and accrued on my account. This plan was provided represented by the credit card company, as it was being charged it was essentially cancelling the effectiveness of any min. payment ever satisfying the account. After years of paying the min. payment the primary balance had never moved and in some cases caused account to go over-limit and causing XXXX to be reported and charged additional fees even though min payments were being made. So basically the min payment was not structured to at any point provide relief from this debt. It is my understanding that a min payment is by law required to be structured to eventually pay down the balance in a reasonable amount of time. In this case if I had left the account run as it sat it would have literally never paid itself off with min payments. After speaking with card company after the XXXX time the added protection plan was removed from the account and was told the total amount of charges and any and all accrued finance charges would be credited to account within 10 days. This was on XXXX/XXXX/2015. I received a letter date XXXX XXXX saying they were trying to reach me when no such attempts to call were initiated and then a letter date d XXXX/XXXX/2015 saying the protection plan was removed from account. I called on XXXX/XXXX/2015 to hear the account was closed without explanation and when asked why and when as the account was always current, I was told it was closed so long ago she can not view the reason or the date of that event. I asked how would it make any sense to be charged a protection plan on an account that I have no access, use or benefit of, have not charged on for years, have no statements for and was given no answer to that. I was now being told that the refund of the plan that should not ever been on my account would not take 10 days but 30 days and when it was approved it would hit the billing cycle with XXXX-XXXX billing cycles. I explained so I will be charged interest and so on while this is being resolved. Again I reiterated how is it that account be structured in a manner that it will be NEVER paid off and had no answer and essentially was being treated with no concern for my concerns. It is my position that if the improper charges were never placed on account and a minimum payment schedule was applied to the account the account would have been satisfied already. I was basically told they did not understand and had no willing ness to review the account to reconcile. I explained my position was I wanted the account reconciled and I would pay off the amount legitimately owed on the account but would not pay for charges I never agreed to and for a accounting error on their end calculating the min payment t in manner that would never satisfy the account. My position is their action on the phone and documented violate the laws that govern how responsible credit card agencies handle their customer and they should be investigate .for such violation in my case and globally if seen fit. It is my position that these deceptive practices are not a simple mistake but a strategic business practice that violates the law and allows this company to unfairly burden credit card holders in a manner that would NEVER provide relief form debt. I hope this is an isolated incident but if it is not I encourage others to review their accounts for inaccuracies and take the necessary steps to protect their financial interests and put this company Citi Bank CitiBank, Citi Cards on notice. Their address is CitiCard Customer Service Center, XXXX XXXX, XXXX XXXX, SD XXXX
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