Answer
stringclasses 10
values | Question
stringlengths 11
5.15k
|
|---|---|
Company chooses not to provide a public response | I have problem with the bank checking account of my husband. He passed away in XXXX XXXX, XXXX. He has this account only under his name, and the montly bank statement only shows his name, but I am the beneficiary of his account. He oppened this bank account around XXXX or XXXX in Texas. Him always worked in differents state because he did XXXX work in XXXX. In XXXX XXXX I came from XXXX, but we married in XXXX. We moved together in diferents states but in XXXX, we came to XXXX and he add me as his beneficiary. He does n't have more children, only XXXX with me XXXX is XXXX years old and the other XXXX in XXXX years old. We visited the location of bank of America in XXXX XXXX XXXX. My husband explain to the worker than he need my name in the account only as a beneficiary. The worker from this bank added my name, I gave my personal documents, passport and social security number. But he never gave us any document to bring at home. That is comun in the bank they normaly do n't provide any document to the owner or to the beneficiary. The information only stay in the system in the bank. My husband was 100 % sure, because he knew if he passed away my name is in the system as a beneficiary. The worker say if he some day died, you do n't need to aprove with any court document only with his dead certificate. We never did something else like a will, because we did the same with other banks. When my husband passed away I went to the office of Bank of America XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX around XXXX I did explain about my husband passed away XXXX of the ladies in the desk. She said, " You are the beneficiary of the occount. I can see your name. The only thing we need from you is the dead certificate of your husband account. Please call this number and you can fax the dead certificate. She gave me the phone number and I call the phone number of the bank of America, the same I visited, because they speak XXXX, but they connect the phone line with other company or department/ area of bank of america the name is XXXX XXXX XXXX this men told me he is the XXXX who works with the people when some XXXX XXXX, he has to register the information and I explain my situation and he said, to confirm your information give your full name and home address, and I gave this information by phone and he said you are the same I have in my sistem the only thing I need is your husband dead certificate, send me the fax to XXXX, I send this fax, I called to the phone number of bank of amercia XXXX to know if they have the dead certificate, but they said we do n't have it. I decided to visit the office of Bank of America in XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX. The manager talk with me, I said I need to send this dead certificate by fax. She said I am no able to see your name as a beneficiary because your husband only have the account under his name and in the bank statement is only under his name. I said, I know that because benefciaries or PPO, do n't show the name in the bank statement. But I know i am the beneficiary, I spoke with XXXX employes before you and they said my name it is in the system, I said please give the name of the men, the XXXX I spoke XXXX, you have all my phone call in the system and you can see that, and she said his name is not here. Only I have the information about your call and I have the name of the men who help you with the traslation but I do n't have the other name. I felt so bad because I knew she was hiding me information. She call by phone some one else maybe XXXX of the employes XXXX, and the manager of the bank in XXXX XXXX said, you need too show me a document for the court which include you are the owner of your husband account. I said I do n't need that, because I am the beneficiary of my husband account.
|
Company chooses not to provide a public response | My credit report shows a 180-day late payment in XXXX XXXX. However, I was not late. I have provided copies of my XXXX Payment Record ( XXXX XXXX - XXXX XXXX ) XXXX to Experian that clearly show my payments for XXXX XXXX and for the year of XXXX was never late and supports my position. Still, Experian refuses to delete ore correct this item.
|
Company believes it acted appropriately as authorized by contract or law | On XX/XX/2015 I applied for a mortgage with USAA. Due to my income to loan ratio, I was told that I would have to receive approval from their underwriting department, which could take up to 3 business days. I asked if there was any way to expedite the process because the sellers would like a Good Faith Estimate (GFE) as a guarantee of creditworthiness, and the mortgage representative said there was no way to make the process go faster.
On XX/XX/2015 I was called by a USAA Mortgage Representative stating that their underwriting department was wondering if there were more assets that I have available, to which I gave them my XXXX information. I was then told it could be up to another 3 days for a decision. Again I told the representative of my situation and that I had already waited 2 days, to which I didn't think I should have to restart a 3 day wait again. He again reiterated there was no way to make the process go faster.
On XX/XX/2015 I was notified of my loan approval. I asked to lock in a 3.625% rate program on a 30-year conventional loan, which she said she did. I was informed they would be sending out my loan paperwork and GFE via XXXX. I asked the representative to make that GFE available electronically so that I could send it to the sellers of the house I was trying to purchase. The representative told me she would make the information available via USAA's electronic documents system.
On XX/XX/2015, the documents were still unavailable on USAA's electronic document system, however they arrived via XXXX and incorrectly showed a 3.25% interest rate with over $13,000 in origination and discount fees that I had never asked for, nor agreed to. At approximately XXXX Arizona time, I called USAA to ask what was going on. A mortgage representative verified that I had locked in a 3.625% rate and that new documents would be sent to me by XX/XX/2015. I informed her that I needed a GFE to give to the sellers and this was already taking 4 days longer than it should have. I asked her to either send the documents electronically or via fax. She state that contrary to what was told to me the previous day, mortgage documents cannot be sent electronically, and that the department that sends our faxes had already gone home so they could not accommodate my request. |
Company chooses not to provide a public response | In the last XXXX months Citi Bank has sent XXXX 'Time is Running Out ' letters to me. XXXX every 30 days the last XXXX months. This is excessive in itself.
The XXXX letter I called them and spoke with XXXX XXXX in XX/XX/XXXX. Applied for the loan, qualified for the refinancing, was told after a month into the process XXXX XXXX has this loan on some list they are maintaining that blocks me from refinancing my home even though I have an excellent credit rating. This in itself is discrimination. Even though this home is on the list, I have owned this home since XX/XX/XXXX, have not missed XXXX payment nor been late on any payment, and I feel I am being discriminated against. As I understand it if this home was located elsewhere it would be eligible. This singles out certain individuals, and blocks them from taking advantage of opportunities that other individuals have.
In XXXX I received the XXXX letter, calling Citi I requested these solicitation to stop since they are aware I am ineligible for this refinancing. In XXXX I received the third letter. Again I called and requested to be removed from this list. I have once again received the 'Time is Running Out ' campaign letter in XXXX. When I called them in XXXX I stated if I received another letter I would file complaints against them. This is baiting me to respond because like many individuals refinancing to lower monthly payment is desirable. I am an excellent customer and to be treated in this matter is unacceptable.
Since Citi bank is ignoring my request and I continue to get this letter of which I qualify for they need to honor this refinancing at no closing cost as stated in their letter.
|
Company believes it acted appropriately as authorized by contract or law | I have XXXX student loans. The first XXXX are in ok shape because they are federal loans with XXXX. I currently do an income based repayment with the federal loans and my payment is {$0.00} a month. However I have a private loan through Sallie Mae that is about to go into default because I ca n't afford to pay the minimum payment. Sallie Mae continues to hound me for money because my account is past due but still refuse to work with me on repayment. I am seriously considering filing bankruptcy because I do n't know what else to do.
|
Company chooses not to provide a public response | I am a housing and credit XXXX with XXXX, XXXX XXXX. I am assisting XXXX XXXX in working on his delinquentmortgage. It began with XXXX, XXXX and XXXX then transferred'to Bank of America XXXX XXXX XXXX XXXX This is an FHA loan and itoriginated with XXXX, XXXX and XXXX. Over the past 9 yearsXXXX. XXXX has sought legal assistance on helping him with thisdelinquent mortgage. He has not made a mortgage payment duringthis time but not from lack of trying. He has spent much money onattorney fees in trying to get different options on his FHA loan.
In XXXX 2014, XXXX XXXX signed deed in lieu documents with Bank ofAmerica. This year, he received his cancellation of debt from Bank ofAmerica from XXXX XXXX, 2014.
Unfortunately, in XXXX 2014, servicing switched to XXXX XXXX.
The Deed In Lieu had never been recorded. His FHA case number isstill open.
This is stopping XXXX XXXX from obtaining future loans - from the openFHA case number. He 's been working towards resolution and finallydecided on the Deed In Lieu and it still has not been recorded. Theproperty is still in his name. XXXX XXXX is going to try to get XXXX XXXX to cancel the " cancellation '' thus again starting the countdown on closing out the FHA case number and further financingfor XXXX XXXX.
The resolution is not helping XXXX XXXX and his family of XXXX find affordablehousing. He is renting but has cleaned up his credit report and wants tobuy a house again. Long story. BUT the loan is still NOT out of hisname and the house that he moved out of in XXXX 2014 is still in hisname. Just does n't seem right.
|
Company believes the complaint is the result of a misunderstanding | I did not know of predatory lending and was given a loan even though my income was not enough to cover the monthly payments and sustain daily living expenses. I have paid {$400.00} a month for 2 years and still owe the same amount in which I purchased the car for. I was also asked to pay a {$2000.00} down payment and it was not applied to car.
|
Company chooses not to provide a public response | About inspection fee. I called bank of America to let them know that I will be late on my payment before the due date about XXXX days before they should send any body to inspect my home. But they charge me for that which is not right. If I did not call they can charge me but I called already, they should not send any one to inspect my property.
|
Company chooses not to provide a public response | I paid for and attempted to get my XXXX credit reports and XXXX credit scores from Experian using a product they advertised for {$39.00}. I paid the money and they could not provide the information citing a system error on their part. They say they have credited by credit card for the amount that was charged for this product and told me it will take XXXX business days for the money to be returned to my account. They told me they are not able to provide the product I requested and also do not know when they can make it available to me.
|
Company chooses not to provide a public response | I 've had my checking account with b of a since 1999 & I 'M BEING CHARGED ERONEOUS FEESThe bank talked me into adding my husband so we could have a " tiered '' account and never be charged a fee, that was 4 years ago.
We added husband. Every 6 months the bank drops my husband and we are charged eroneously the {$25.00} service fee. Every 6 months I have to call and complain, takes about XXXX - XXXX hours by the time I hold for the XXXX representatvie, then I 'm transferred ... again and again and again. It 's like they trick you into signing up for a special account then they switch it so you are charged. The last time this happened Bank of America advised me that their risk system is set up this way, to auto drop the tiered accounts and that there is no way to stop this from happening. I advised not the customer problem. You Bank of America need to fix this risk rule. Then in order to get my husband added back on, I have to get him conferenced in while they, Bank of America verify 's his information, they claim because it 's " maintenance '' being done on the account. I asked ... Is n't it maintenance to take him OFF the tiered account, that we DID NOT authorize, why is it ok for you to do maintenance on the account and take him off but now in order for us to avoid a fee suddenly you need authorization. Every six months we are charged {$25.00} for the bank, bank of america dropping us from the tiered plan. This is a joke, hoax and sounds illegal. They need to fix their " risk '' systems and stop stealing money from customers.
The bank says it 's ok and they allow the bank to allow maintenance on the account to remove my husband from the tiered plan and charge us money ( no authorization needed to remove husbands from tiered acct so they can charge us ) But the then the bank says, they must have authorization, without authorization to add him back on tiered account that they removed him from, we will continue to be chargedThis is now the XXXX time this has happened.
I have spent more than XXXX hours fixing this issue everytime the bank steals this service fee from our account
|
Company chooses not to provide a public response | This company have put a duplicate accounts on my credit report. XXXX account ( account ending in XXXX ) does not belong to me they are reporting more than 120 days late. I open my account ( account ending in XXXX ) in XXXX 2015 XXXX payment was n't due till XXXX XXXX 2015 so how can I be 120 days late. I have never been late nor miss a payment with this company. I talk to the manager ( XXXX ) at the XXXX Ga. location which she admitted that she was the XXXX made the mistake and that she will fit it but have nothing been done yet... I have made dispute with all XXXX credit report agency cause I am a member with all XXXX but nothing have been done yet. This have made my score drop more than XXXX points and I am in the process of trying to get my house and car refinance for a better rate.
|
Company chooses not to provide a public response | A debt in the amount of {$94.00} has been reported as a collection account on my credit reports since XX/XX/XXXX. The debt was a medical debt that was paid through an insurance settlement. The debt should never have been reported on my credit report as a collection debt as it was paid off by the law firm that handled my settlement. I disputed this item numerous times through the credit bureaus, but my attempts were unsuccessful. I even requested any documents to verify this debt, but never received anything from the company. Since I was able to actually obtain the documented proof of the paid debt from the law firm that handled the case, I had this item re-investigated in XX/XX/XXXX through the credit bureaus. This item still came back having been verified as a collection debt owed by me. Obviously, neither the Receivable Solution Specialist ( collection company ) or XXXX XXXX XXXX ( originator ) took the time to properly verify that this account was paid. After calling Receivable Solution Specialist and getting nowhere, I called XXXX XXXX XXXX, who originally reported the debt. They immediately realized this was an error. I spoke to them back in XXXX and they apologized and informed me the item would be removed. This item is still on my credit reports as an unpaid collection account. Had the XXXX XXXX XXXX or Receivable Solution Specialist properly checked their information, it would not have had to spend countless hours hours correcting their error.
|
Company chooses not to provide a public response | Notarized FHA modification documents XXXX times. XXXX time was with XXXX who came to my house. Stated I would receive a check for {$200.00} in doing so. Now I get another XXXX delivery saying I must do it over again because some documents were not submitted. This is the same reason given each time.
|
Company chooses not to provide a public response | On XXXX XXXX, 2015, I received a phone call from my Bank of America case representative in regards to my complaint about receiving an incorrect XXXX tax form. The Rep XXXX XXXX stated that BOA reviewed my interest payments and my XX/XX/XXXX XXXX form was indeed correct. I told her she has been misinformed and she was incorrect. She kept going on about a partial claim which has nothing to do with interest paid. She advised me to wait on the paperwork she was sending via mail with the breakdown. However, I informed her I already received a breakdown from BOA regarding my payment and interest transactions on XX/XX/XXXX. In that document it shows each monthly payment and interest paid for XX/XX/XXXX which totaled in {$10000.00} of interest paid for XX/XX/XXXX. Now if this document was sent to me by BOA themselves, then how are they now contradicting themselves and saying the original XXXX of $ XXXX is correct?
Instead of the representative listening to me and awknowledging the fact that i didnt need to waste time waiting another week or more since I already received a breakdown from BOA, she just totallly dismissed me. I 've attached the interest breakdown from BOA 's own documentation they sent me from the cited case number as well as the incorrect XXXX form. This needs to be taken care of immediately as it ia almost the deadline for taxes and I have been dealing with this since early XX/XX/XXXX!!
In addition to this matter, I have not heard anything on my dispute of the cited case number regarding the " missing payments '' that BOA XXXX XXXX, on behalf of XXXX XXXX stated the cited case numbers response to me. I supplied documentation prooving that I never missed a mortgage payment except when BOA directed me to. I have attached those documents as well.
|
Company chooses not to provide a public response | Barclays Bank Delware has issued fraudulent credit in my name on XXXX occasions. The second occurrence was in XXXX 2015. I received an alert that an account was opened in my name. I immediately called Barclays and told them it was fraud. I called at least XXXX additional times and Barclays still approved the account for the thief to use. The thief used the incorrect spelling of my name, incorrect address and telephone, and Barclays still approved the fraudulent request.
|
Company believes it acted appropriately as authorized by contract or law | In XXXX, XXXX, I lost my job, and was still paying my credit card bill, until XXXX, XXXX, when I was just unable to pay my XXXX XXXX Bank credit card anymore. I have enclosed my last statement I paid in XXXX of XXXX. Please note the amount was {$4900.00}. Consequently, a judgement was filed against me in the summer of XXXX, for the amount of {$5900.00}. That amount difference was understandable and I planned to pay whenever I got a job. That did n't happen. Finally, in XXXX of XXXX I was able to get a job and pay on other garnishments, from XXXX XXXX XXXX XXXX XXXX.
Now, I see that XXXX XXXX XXXX has filed to revive the judgement that XXXX XXXX had filed on behalf of XXXX XXXX, XXXX this time for the amount of {$9700.00}. I do feel that XXXX XXXX XXXX is doing this out of a vendetta they have towards me. I feel that the garnishment should not be revived because of XXXX reasons : XXXX XXXX XXXX XXXX XXXX bought this specifically because my name was on it, and XXXX ) the exorbitant amount that they want is just not owed. This feels like a personal attack from XXXX XXXX XXXX, because they did n't own this account, until now. They did not file the original judgement.
|
Company chooses not to provide a public response | On XX/XX/XXXX, after learning of an erroneous collections notice on my credit report from my mortgage broker, I filed a dispute with Experian. The incorrect collection notice was for medical expenses originated by XXXX XXXX XXXX, XXXX for services received in Oklahoma. I have never visited Oklahoma, let alone received medical treatment there. On XX/XX/XXXX, I received notice from Experian via E-mail that the dispute investigation was complete and the erroneous information remained. When I followed up by phone on XX/XX/XXXX, to ask why the error was still on my account, I was XXXX told by the Experian operator ( XXXX? ), that the creditor confirmed it was me ( impossible since I have never even been to the state or am in any way remotely connected with Oklahoma ). However, upon further investigation by the Experian operator, it was determined this dispute was inexplicably cancelled on XX/XX/XXXX, thus automatically triggering a notice to me of the egregiously incorrect information remaining on my file. The Experian Operator could not identify who cancelled my dispute or why. During that call, the Experian operator re-opened my dispute and provided me with contact information for the creditor. Adding insult to injury, the contact information from Experian for the creditor ( XXXX XXXX XXXX, XXXX ph XXXX ) leads me to a disconnected telephone number. I happen to have known this number was disconnected in XX/XX/XXXX ( prior to receiving my results from Experian ) because I tried calling them when I XXXX learned of the error on my XXXX credit report.
My concern is Experian did not exercise proper diligence in their initial review of my dispute ( it is currently being re-disputed ). Because of this incorrect information remaining on my report, my credit score on Experian fell from XXXX ( XX/XX/XXXX ) to XXXX ( present ) - a fall of more than XXXX points. In contrast, XXXX removed the erroneous information from my file in XXXX business day. Experian 's failure to effectively review and remove the incorrect information is also striking in light of its clear inconsistency with all the other information on my report. What 's worse, I PAY Experian to receive credit report updates! I 'd hope Experian would have a higher standard since I pay them for services. To the contrary, this has been personally damaging and frustrating. It adversely effects me and my young family. My hope is the government holds Experian and other credit bureaus ' feet to the fire when it comes to allowing damaging and inaccurate information on credit reports.
|
Company believes it acted appropriately as authorized by contract or law | people are calling me to sayi im going to jail they even got my husbands cell number asking for me to they keep harassing me calling my job if I block the number they use a nother XXXX to call me again and again and my husbands to
|
Company chooses not to provide a public response | I was contacted by XXXX XXXX, Shapiro Law Offices, P.C. of XXXX XXXX XXXX, XXXX Pa XXXX on XXXX XXXX, 2014 regarding the payment of a past debt to XXXX XXXX. that was originally almost completely paid to XXXX, XXXX and XXXX XXXX XXXX of XXXX PA. I immediately contacted XXXX XXXX to indicate that I would be happy to resolve the remaining amount that had been contested and released from XXXX, XXXX and XXXX when he provided an accurate balance to be paid. XXXX XXXX was adamant that I owed the full balance. I asked him to contact the prior collector to ascertain the correct balance due. I was consequently served a subpoena from my local court. At that point I had no choice but to hire an Attorney myself. On at least XXXX additional occasions XXXX XXXX continued to purposely misrepresent the amount owed to my Attorney, prolonging my need for legal representation and subsequent fees. It was only after XXXX XXXX himself was served with interrogatories and compelled by legal requirements that he went and actually acquired the past payment history clearly indicating that I did not owe {$2200.00} as he had maintained up until that point in time. I accrued Attorney fees of {$920.00} since XXXX XXXX misrepresented what I actually owed on the debt, and continued the charade even after I sought legal representation. The debt was finally resolved, but I had to sacrifice almost an additional {$1000.00} due to XXXX XXXX 's false representation of the debt. I am seeking to be repaid for my Attorney fees by XXXX XXXX.
|
Company chooses not to provide a public response | I have XXXX credit cards with Bank America. However, there is XXXX I am having an issue with. I applied for a credit card for my XXXX business that I had been currently in at that time and put my daughter XXXX XXXX as an authorized user on this card approximately in XX/XX/XXXX as XXXX was XXXX of my employees as well. When we got the bill it was in XXXX 's name. I called the company ( Bank America ) and they basically told me there was nothing I could do because it was in XXXX 's name and with me as a co-signer! The bill came to my address in the beginning but was just in XXXX 's name. Suddenly, when XXXX moved to another town, she started getting my bills there at her new address! We could n't figure out why they were doing this! I told XXXX to make sure the bill got to me so I could pay it in time! Well, in XX/XX/XXXX I called the Bank of America and asked them to send me a bill to my new address as I am no longer in XXXX and we have sold our home. They said they could n't do this because it would have to go to XXXX 's address and they stated my home address! I told them that the address they quoted to me was my home address and I had been getting the bill back to my address for quite some time now! Well, they did n't forward the bill to my new address so 6 months later, they call my daughter and are harassing her for payment and she would like to buy a new vehicle and this is on her credit report. How can they do this when XXXX did not even apply for the credit card? We have called the company SEVERAL times asking for a copy of the original application because I know it is MY application!! XXXX NEVER signed anything so her name should not even be as the original applicant. They only send us copies of the billing and not the original application! I have now contacted a lawyer and he has me filing this complaint to hopefully save me from giving him money to handle this credit card company who will not listen to the truth. I hope you can help with this matter so we can get this taken care of! Thank you, XXXX XXXX
|
Company chooses not to provide a public response | RE : Bank of America ( BOA ) Credit Card : Card closed without notice, without valid reason & {$130.00} of cash reward money stolen from me.
I am an employee of XXXX XXXX ; I pay all of my bills on time ; I 'm now in XXXX ; I work 30 hour weeks ; and achieved all of this while managing a XXXX & coping with prior tragic events ; I love the taste of meat but practice as a vegan because I do NOT believe in the killing of animals XXXX XXXX, XXXX XXXX XXXX ', lest ignorance takes the best of you ) ; I am an XXXX conscientious of not wasting any resources. This is my life style because I care and every little bit counts. However, I continue to be disappointed at the people we place in positions of authority, esp. in government facilities that, in theory, should be acting in the people 's best interest.
Something to mull over : every time a government employee/representative/senator/etc., opts for the status quo & /or ignores unscrupulous behavior from corporations and the like, they are not simply selling out the people who voted them in that position, they are choosing to sell out their loved ones - their own children, their spouse, their mother and father, their friends, etc., because we are all affected, and the sad truth ( which lends to the status quo ) is that the majority of persons in the U.S. are unable or unknowledgeable on how to protect themselves, what their rights even are, and how to combat apathetic negligence and unlawful activity.
The Fraud, Unscrupulous Misconducts, Hindrances of Honest Citizens ' Rights, & Impunity of Theft by the financial industry continue.
My mle ...
XXXX XX/XX/XXXX opened a Bank of America credit card ( my credit score was XXXX ) with a line of credit of {$5000.00}.
Made XXXX transaction of approx. {$3000.00}.
Paid EVERY bill on time - early every month, and more than the minimum payment.
- HOWEVER, while out of town I was denied while trying to put gas in my car. I never carry cash & had no other credit cards on me. I called Bank of America and was informed my credit card went through an " annual review '' and was closed a week ago.
I was never sent ANY notice via email, phone, text or postal mail - NOTHING!
All my accounts were in good standing at the time.
BOA refused to reconsider, all the while ; I had a 2-hour drive home at night & only XXXX tank of gas - because, well, who gives a XXXX if my account was in good standing and I was paying BOA for a service that they had no legal or contractual basis to discontinue.
Moreover, I had accumulated {$130.00} in rewards cash, but was unable to retrieve that money - BOA claims that I lost the reward 's money due to my account being closed.
The primary reason I opened this BOA card was for the rewards, that BOA incessantly bombarded me with via promotional offers in the mail.
Furthermore & most importantly, how does this NOT violate the XX/XX/XXXX Credit Card Accountability Responsibility & Disclosure Act?
- Specifically ... " Credit Card issuers MUST notify you of a rate increase- or ANY OTHER SIGNIFICANT change in terms to your credit card account - at least 45 days in advance of the effective date. '' Personally, it seems we must look out for XXXX-another to protect ourselves ; therefore, I will initiate a lawsuit and through XXXX expose the corrupt policies of BOA. I will also win this suit and force the statute that legislation initially intended. Why must I take on this battle? Because it seems the individuals we place in the position to do so are more concerned lining their campaign pockets than protecting their own children, spouse, mother, father and other loved ones. Shame on them, Shame on them!
|
Company chooses not to provide a public response | I have submitted documents required of me from Sears Credit card company XXXX times and they continue to asked me for the same identifying documents in order to issue me a replacement card. My wife is XXXX XXXX and we got XXXX. Currently, I own nothing on this card but they owe me over {$200.00} as credit on this account. All I need is a replacement card or what they owe me. Please help me. Thanks.
|
Company chooses not to provide a public response | I have been working on a loan modification with U.S. Bank for almost a full year. I fell behind on my mortgage payments when I became unemployed almost 2 years ago. I continued to make the payments on my home for 10mo ; using my savings and retirement account money ( IRA, XXXX ). When I had to make the choice to either feed my wife and XXXX young boys ... or pay the mortgage and credit card bills ... I chose to feed the family.
After missing a couple payments I notified U.S. Bank of my hardship and they began working on my modification. They have requested and I have provided more information than I ever thought possible. They make it " seem '' like they are trying to keep me in my home. However, after dealing with this process for almost an entire year, I have come to realize that they are just playing games with me and do not intend to help me.
I submitted all the information they requested almost immediately. Then, every couple weeks they find new info that they need. I would provide that information. Then every 2-3 months, the information, the documents I had signed, the RMA - Request for Modification Assistance, would " expire ''. What I noticed after this happening several times was that my " relationship manager '', the person assigned to my account, would not get back with me, sometimes 2 weeks at a time when I would ask if my file was complete and in process. On multiple occasions he would even tell me that my file " looked complete to him '' and that he would submit it for processing. Every time they would come back needing something -- -typically something I HAD ALREADY PROVIDED THEM, which happened XXXX or XXXX times. I would then resubmit what I had ALREADY provided. U.S. Bank would then come back and say I needed to provide it in a different way or find some reason not to accept what I submitted ... or flat out lie and say they did not receive it -- -- even though I have email records saying I sent it, and there office saying the documents were received.
The worst part is that I am not trying to receive anything for free. During this entire process I have asked that my missing payments be added to the back end of my loan ; they do n't lose any money, then I can resume paying. After 5 or 6 months of missed payments I told U.S. Bank that I could once again afford my monthly payments but had exhausted my savings and I thought we were working towards a common goal -- the modification which they said would help me. I even started making payments as a " good faith '' to show I was serious. To my shock ... they returned my payment and said I had to continue the modification process. The awful thing is, they returned my payment 5 months ago ... I could have been paying for the last 5 months and that would have put more money in U.S. Bank 's vault but instead they told me not to send it in.
On at least XXXX different occasions they have asked me to send in info that I have already sent to them. Even worse, they are often replying to that exact email detailing what I sent in while asking me to send something they already have. Multiple times my relationship manager has said my file is complete ... only to hear back from the processor or my Relationship Manger that something is missing or expired.
I want to stay in my home and so does my family. I am now past the financial hardship and can afford to make full payments on my mortgage each month ... and I have been able to for 5 months, but savings is exhausted, I do not have the ability to pay back all the missed payments which is almost a full year now.
They have delayed info, lied to me, misconstrued the truth all while " saying and acting '' like they want to help me stay in our home. I have emails of this entire process. It is blatant and obvious. I have provided all the info they have required and in some instances sent it in XXXX and XXXX ... but still they move to foreclose on me.
|
Company chooses not to provide a public response | XXXX XXXX Services is currently reporting a " charge-off '' on my credit report. According, to the information on my report, this trade line has been a charge off since XXXX XX/XX/2008, and should be deleted from my credit report because it is now exceeded the 7 year statute of limitation.
|
Company chooses not to provide a public response | I have disputed XXXX disputes regarding XXXX different collection agencies that have reported collections on my account. I have provided proof of all collections that were paid in full and Experian failed to fully investigate and remove thoses items which are currently hurting my credit score. First was XXXX XXXX XXXX, Second XXXX XXXX ( XXXX XXXX XXXX ) and third XXXX XXXX Bank ( XXXX and XXXX ).
|
Company chooses not to provide a public response | since XXXX/XXXX/15 I have received XXXX phone calls from XXXX Barkley Bank regarding a bill I owe for {$200.00}. I am XXXX years old so I have hard time hearing so my daughter talked to these people several times asking for a bill. To date I have never received XXXX or a past due notice, just these harassing phone calls.
|
Company chooses not to provide a public response | After speaking with CFPB supervisor XXXX XXXX on XXXX XXXX, XXXX, and learning that, at the request of XXXX this agency has forwarded my previous complaints # 's XXXX and XXXX to Bank of America in error, I have re-filed this complaint and will continue to do so until XXXX responds and addresses the issues therein as required by Federal law. Because of the false statements made by XXXX in an attempt to obfuscate the issues in this complaint, I truly appreciate the CFPB 's efforts and completely understand how such an error could be made at the duplicitous request of XXXX. As such, I am formally requesting that a CFPB intake supervisor and/or CFPB attorney review this complaint in its entirety to confirm that, as the new assignee listed on the Assignment of Mortgage attached hereto, XXXX is in fact the party that must provide written disclosure under TILA 15 U.S.C 1641 ( g ) and 12 CFR 1026 Subpart E 1026.39. Not Bank of America.
The Dodd-Frank Wall Street Reform and Consumer Protection Act granted the Consumer Financial Protection Bureau ( " CFPB '' ) authority to supervise and enforce compliance with TILA and its implementing regulations with respect to the entities under the CFPB 's jurisdiction. See, 12 USC 5481 ( 12 ) ( O ) ,5514 ( b ) - ( c ) and 5515 ( b ) - ( c ). The XXXX has continually violated TILA 15 U.S.C 1641 ( g ) and New York Trust Law as illustrated herein.
There is one party the subject of this complaint ; XXXX ( " XXXX '' ) allegedly acting as trustee for Alternative Loan Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX ( the " trust '' ). This complaint is against XXXX for its violations of TILA 15 U.S.C 1641 ( g ) and New York XXXX Laws based upon its actions as alleged trustee of the aforementioned trust and only XXXX can provide a relevant response. Please do not re-direct this complaint to Bank of America.
Bank of America is not a Party to this Complaint and Not the ServicerBank of America has already provided written notice on XXXX XXXX, XXXX, that it is not the servicer of the loan the subject of this complaint stating in part, " This confirms that the loan was transferred on XXXX XXXX, XXXX, to the new servicer for servicing effective XXXX XXXX, XXXX, more than XXXX year ago ... Based upon the foregoing, no further response by Bank of America to the letter is required at this time. '' XXXX attached, XXXX XXXX, XXXX XXXX from Bank of America , N.A . at XXXX ( Even if Bank of America was the servicer, this complaint is still properly directed to XXXX XXXX XXXX as the new assignee of the Mortgage having a duty to provide written disclosure detailing the transfer of the Mortgage Loan to the homeowner under XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX CFR XXXX Subpart XXXX XXXX ) The central issues of this complaint are as follows:1. As alleged assignee of my Mortgage, XXXX has failed and continues its failure to provide written Notice of New Creditor required under TILA 15 U.S.C 1641 ( g ) and 12 CFR 1026 Subpart E 1026.39 Mortgage transfer disclosures.
2. XXXX as trustee attempted on XXXX XXXX, XXXX, to transfer my Mortgage Loan into the trust more than six ( 6 ) years after the closing date of XXXX XXXX, XXXX, in clear violation of New York Trust Law and in violation of the trust itself.
Via false statements to this agency, XXXX will likely continue its attempts of having this agency re-route this complaint to Bank of America. Thank you in advance for having a CFPB supervisor and/or CFPB attorney review this complaint and confirm that XXXX must respond on its own behalf as required by Federal law because it is the entity listed as the new assignee on the Assignment of Mortgage. The full complaint is attached in PDF form.
|
Company chooses not to provide a public response | I have requested for loan modification to bank of America and was rejected. Yet my income is high and unable to meet with monthly payment. Instead of Bank of America working with me, they sold my loan to XXXX XXXX XXXX XXXX wihout completing modification. Bank of America wants to forclosed my house, because no one is happy with XXXX XXXX XXXX. Their primary duty is to complete a fast sale by employing fraudulent means.
|
Company can't verify or dispute the facts in the complaint | My family and work received calls from scammers claiming to be XXXX on the verge of XXXX my property for a debt. They also called my work and harassed them claiming to be a law firm. My boss told me to take care of it immediately as calls like that were unacceptable at the workplace. I paid {$900.00} to supposedly a XXXX law firm. My wife called shortly after and said she called XXXX directly and not the ( XXXX ) number left and was told it was a scam. I spoke to sheriff and called bank to stop transaction. Even though I explained the person I gave info to was not who they claimed and I had been scammed the bank would not stop transaction. Furthermore the bank would not let sheriff have access to my account and when disputed claimed it was not fraud because I received what I paid for. I paid no debt off, my money is gone and the company that actually took the money out was not XXXX or this XXXX law firm it was western portfolio. How can they get away with this and how can XXXX Bank get away with claiming it was n't fraud.
|
Company chooses not to provide a public response | Experian will not allow me access to my dispute despite sending me emails to review, in an attempted subterfuge to prevent me from accessing my report. They continue to play these games and that 's why they are on the top complaints list. I told them to remove the XXXX inquiry as stated in the letter. Addiktnst the XXXX inquiry they also inserted XXXX XXXX inquiry that had been deleted. This is FCRA FACTA CCPA violations
|
Company chooses not to provide a public response | Recently, Citibank sold their banking accounts to XXXX XXXX XXXX. We received numerous correspondence, stating the transition would go smoothly and without issues. That is not the case. We have yet to receive our XXXX XXXX XXXX checks and debit cards. Citi was supposed to keep our debit cards active until we received and activated the new XXXX XXXX XXXX cards, yet they just shut them off on or around XXXX XXXX. We are now faced with bills to pay, shopping to do, gas for our cars and we have no access to OUR MONEY. XXXX XXXX XXXX says they 're helpless and blames Citi. Citi is unresponsive and in my opinion uncaring. Now - we have had direct deposit for XXXX my wife 's and my paychecks into our checking accounts and they were to be deposited today. Guess what - no deposits have been made. We are now in a situation where I 'm concerned about being able to pay our mortgage and other bills due around the XXXX of the month. Our credit worthiness is at stake. We have maintained credit scores in the low XXXX for years and now we are faced with at best having to go to our credit union to withdraw cash and then take that cash to a Citi location which does n't exist anymore in Texas. This is an abomination and we will seek damages in an amount consistent with their inept handling of this matter. No one has any info about this and no one will own up to their respective XXXX-ups. This is our money and the banks have essentially taken away our ability to use XXXX MONEY. What are we to do???
|
Company chooses not to provide a public response | I have applied for a loan modification. to split my past payments up over a certain amount of time to bring my payments current. I am a XXXX. XXXX # XXXX. I have access to the multiple listing services.SunTrust Mortgage did n't follow the Principles of Appraisal Practice and Code of Ethics the New Appraisal Standards, for my loan # XXXX. This broker price opinion does n't look like it is going by the uniform standards of professional appraisal practice.Here 's the translation : Appraisers ca n't get in trouble for coming up with a value that 's too low. Lenders do n't lose money in the accounting sense when the appraisal is too low. All that happens is that they do n't make money they could have made from doing that loan, an item that does not show up on financial statements. Appraisers can, however, get in trouble for coming in too high.I pulled XXXX corporation info ( supplied ) with the state of Maryland. It seems their corporation is expired. They are not licensed to do business in Maryland.Please investigate this. I am going to be contacting the agents whom listings were used as comps. Since the agent that supplied this broker opinion seems to have puffed my property to push its value up and downgraded these o beautiful listings to push my properties value up. I do n't know if emortgage or SunTrust made the agent manipulate the values this way. I hope the board of realtors and real-estate commission audits all brokers price opinions that emortgage has supplied for SunTrust. And invalidated any forced short sales SunTrust has performed due to the pushed values. I am also notifying the CFPB about SunTrust 's actions.
Concerning the Broker Price opinion. This is n't a valid price opinion. I expect SunTrust mortgage to order a full appraisal by a licensed Maryland appraiser. I told SunTrust I would pay for the Appraisal. But now, I will not, since they keep playing games.XXXX. The address verification photo. Pre-dates this price opinion. This photo was on the other price opinion that was supplied by emortgage logic a few months ago.Check the roof. The old picture has no damage and the XXXX set of pictures by the sales person shows the recent roof damage. This should have set the stage for the sales person to rate the home as a fixer upper and not in average condition. As stated by the sales person. None of these comps are similar. Since they are all in immaculate and superior condition. I have enclosed pictures of the actual comps used. Showing their superiority. This broker price opinion does n't look like it is going by the uniform standards of professional appraisal practice. The Sales person 's MD license number of XXXX is n't included on the price opinion. There is a number of XXXX. This is not a valid Maryland License number.The company address on the price opinion does n't match the sales persons license of XXXX XXXX XXXX # XXXX, XXXX, MD XXXX.
There is no date on this price opinion. This price opinion has been certified by emortgage logic. Their certification really does n't mean anything since they are n't licensed to do business in the state of Maryland.There is no state in the state box.After going over all comps. I have noticed ; Comp XXXX, XXXX XXXX. MLs # XXXX sales person said it was in average shape. The home was completely updates and not in average shape. And not inferior. My home was inferior to this home. I have enclosed the listing- realtor 's view and the beautiful pictures of this updated home. This home is on city utilities.XXXX . MLS # XXXX XXXX, This is another updated home. I have enclosed the agent 's copy of the listing and the beautiful pictures of the listing. This home was listed by the price opinion as average and my home as being superior. I have down loaded the whole letter.
|
Company chooses not to provide a public response | I have filed several disputes for the account XXXX XXXX acct # XXXX. The credit reporting agency says their reporting correctly, which their going off the creditors original info. XXXX is a collection agency. They bought the original acct from XXXX 's clothing acct # XXXX in which the XXXX delinquent date was in XX/XX/XXXX. What XXXX XXXX is reporting is from the time they bought the acct in XX/XX/XXXX. This account has been delinquent over 7 year and is still reporting to all three credit report agencies. I 've sent letters to XXXX XXXX and to the credit reporting agencies requesting this to be deleted and both are not complying nor are they spending the amount of time to investigate to get the accurate info.
|
Company chooses not to provide a public response | My loan has been transferred now, but for two years Bank of America tossed me around with making home affordable pulling me in and out of trial plans adding all sorts of foreclosure fees. It wasnt until I began filing complaints and a HUD rep got involved and found many misconducts that it was fixed. Unknowingly I paid my mortgage every month, only they were n't applying it to my loan putting it in a separate account. After all was said and done they were supposed to correct the 20 month negative crediting reporting, that was in XXXX last year still has n't been fixed
|
Company chooses not to provide a public response | XXXX XXXX has been on my credit report since XX/XX/XXXX and should have been then. They are on XXXX with XXXX XXXX a collection agency they hired. This is well over seven years and according to FCRA these should have been off in XX/XX/XXXX.
|
Company chooses not to provide a public response | Forged signatures of my deceased father and step mother on XXXX note and deed. As well as loan application. By Countrywide Home LoansRefusal to take payment by Bank of America home loan servicing in XXXX XXXX, then defaulted the loan, then sold the the loan to XXXX. They never sent me notice of sale recorded with XXXX XXXX records office. And I received notice of transfer of loan to XXXX XXXX XXXX XXXX five months after transfer on XXXX XXXX XXXX. The document was dated XXXX XXXX. This was received only after calling them to report their sale being void and that I never received documents or any notice.
Failure to allow me to assume deceased fathers loan. Required me to refinance in my name and credit. Recorded sale and transfer of XXXX forged deed and note being sold in XXXX has XXXX XXXX allegedly Vice President signature. No other signature. She has never been a vp for any company. And only a account executive. Last employed with Countrywide and Bank of America XXXX. She is listed as a Robo-signer online. Her profile online has her work history as proof. notary XXXX CA know for this kind of fraud. Request for recording made by B of A. Bank of America was not the lender only the servicer and can not default a loan in there name or transfer assignment or sale of deed or note. Only the original Lender which Countrywide went bankrupt XXXX. Also XXXX purchased and made deal with B Of A after knowing that their loans originated by Countrywide are fraudulently done by their own record of winning judgement XXXX of XXXX against Bank of America foe selling them these loans. Yet they still made the agreement. So XXXX is XXXX part knowing of fraud and still contracting and helping these defaults and foreclosures. So they are guilty willingly contracting. I feel like this shows back hand deals between companies to settle dispute. Why would either one deal with the other concerning these Countrywide loans???
Also cost of fees and charges go up and up. No reason for this increase in cost every year.
|
Company believes it acted appropriately as authorized by contract or law | This is what has been happening on my account XXXX I transferred money to my Savings to prevent me from overspending on my debit car due to certain things I required funds for.
XXXX/XXXX/2015 I made ordered on XXXX XXXX XXXX thru my XXXX account.XXXX
XXXX/XXXX/2015 I made transfers as I needed funds.
XXXX/XXXX/2015 at XXXX XXXX my checking balance was {$15.00} most of my transaction pending.
XXXX/XXXX/2015 at XXXX XXXX I withdrew XXXX from my savings to give to my daughter. you charged me a XXXX fee and had the transaction on my saving account. I have a receipt for this reflecting my new balance.
XXXX/XXXX/2015 My checking balance is XXXX. Due to a XXXX and XXXX debit of {$490.00} that I did not authorize and when called was told I had to get a release code. They are authorized for {$65.00} a month. The collected for something additional and did used the information on file. The transaction should n't have even gone through because even with the so call transfer the account was overdrawn until the kicked back the XXXX XXXX XXXX and additional deposits made.
XXXX/XXXX/2015 My saving account is overdrawn showing the withdrawal and overdraft transaction so when the overdraft transaction occurred whoever completed it saw the withdrawal occurred or was in pending transactions.
XXXX/XXXX/2015 my ATM withdrawal of XXXX is gone and you have completed a {$350.00} overdraft transfer. But I was charged a XXXX ATM XXXX I get a call from a rep XXXX about my share account going below XXXX when I explain your errors about the over drafting and missing ATM transaction. I get placed on hold hung up on and call back and told the will research it with operations. I was advised that even if the transaction did not complete I get charged a XXXX fee. I see the XXXX ATM fee is refunded.
XXXX/XXXX/2015 I cancel the overdraft option because this seems to be the source of the headache.
XXXX/XXXX/2015 My XXXX XXXX XXXX order payment to XXXX is gone after sitting there for 4 days and Transactions that occurred after that were posted on XXXX/XXXX/2015. And the XXXX and XXXX {$490.00} is posted to my account.
XXXX/XXXX/2015 I speak with XXXX who states that because I withdrew the ATM funds after business hours of XXXX XXXX that it did not reflect in my record on my balance even though I saw the updated balance on my savings account reflecting the ATM withdrawal. I find it hard to believe whoever in operations did not see this. XXXX advises me that my Share account can not be negative but I will owe the credit union {$340.00} Then when I inquire about my XXXX XXXX XXXX XXXX payment that disappeared XXXX advises me she will investigate it because she no longer sees it. I speak with her later and she advises me the XXXX XXXX XXXX was returned and to contact XXXX. I contact XXXX and the advise me they have not received any return items.
XXXX/XXXX/2015 I see a XXXX debit for XXXX XXXX XXXX with an effective date of XXXX with a date of XXXX/XXXX/2015 for the transaction which is not accurate.
I keep getting the run around and no clear answer from my bank at this point I owe them for an ATM transaction and god knows what else.
|
Company believes complaint is the result of an isolated error | Sold me a vehicle, insisted an insurance payment was included in the payments for the vehicle, continues to collect money for it wo n't provide a policy number, also " guaranteed '' me that it was in tip top shape, and that all needed repairs were seen to before the car made it to the lot, I have put 800 dollars in repairs in 5 months for things I was told were already repairs. I had taken the vehicle to the service department on multiple occasions, was told nothing was wrong, only to be inspected by a licensed third party and fail insurrection for multiple safety issues, still shakes profusely at medium to high speeds, I returned the vehicle and they have contacted me XXXX times in less than a week, and have begun to text me on my personal line as well, they are attempting to force me into admitting it 's a repossession, rather than voluntarily returned due to being suckered into a contract under false representations of repairs warranty and insurance coverage being included and it was not. I was also told that every successful payment will be reported to creditors and not XXXX of them was ever reported XXXX, I was promised that it was a credit building operation.
|
Company believes it acted appropriately as authorized by contract or law | I called Overton Russell Doerr and Donovan because I received a letter that a judgment would be placed against me. when I called there company I was greeted with rudeness and utter disrespect. I was first told they would not speak to me with out a phone number, when I gave them my phone number they said it was unacceptable and they needed another, I tried to explain it was my only cell the rep refused to listen and kept claiming i was lying and it does n't seem like a real number so i asked to speak with a manager. When the manager came to the line she said the same that the number i provided sounded fake and that they were doing me a favor by trying to help and that they could just hang up and sue me. when I said caller ID would verify my phone number the manager then started to say i sound like Im on speaker phone and she would hang up immediately if she was, when i advised that she was n't, she said she better not be or she would hang up and forward my account, I told the manager that I just wanted the original bill because I had some discrepancy she stated that all I was doing is stalling and that " guys like you never want to pay there bill '' after that I was so upset I said just send me the bill and hung up the call.
|
Company chooses not to provide a public response | On XX/XX/XXXX, I signed papers for a Reverse Mortgage with Generation Mortgage Company, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. I had been working with their representative via phone and email on this loan for more than XXXX months. She was very helpful and knowledgeable, yet when the closing representative came to my home, he brought incorrect documents for the wrong type of Reverse Mortgage. There were XXXX pages in the paperwork and I inadvertently signed the wrong type of loan. I trusted that Generation Mortgage filled out the right paperwork and I trusted that I should sign where their closing representative told me to sign.
Only a few days prior to this I received an email ( which I still have on my computer, showing the representative 's information AND the Generation Mortgage logo and information ) from the Generation Mortgage loan processor listing exactly what dollar amounts I would receive at closing, what that first disbursement would pay off and how much I would be left with AND exactly how much ( plus growth ) I would receive on day 366. When I spoke with a supervisor at Generation Mortgage the end of XX/XX/XXXX, she said that the processor no longer works for them and " unfortunately '' I signed the wrong type of loan ( the difference is in a fixed rate or a flexible rate loan ). She said the word " unfortunate '' so many times that I finally told her " this is WAY more than " unfortunate '' to me!
I was never told there were XXXX types of Reverse Mortgage loans and I certainly would not have signed the documents had I been told that if I did sign I would be " forfeiting '' the XXXX half of my money on day 366!
I am a widow. I lost my husband of XXXX years four years ago to XXXX XXXX. I was greatly depending upon this money I was to receive on day 366. My husband and I spent all of our money trying to save his life. This Reverse Mortgage money was supposed to sustain my retirement. I should have received nearly {$30000.00} on XX/XX/XXXX. It is now XX/XX/XXXX and I am in dire financial straits, thanks to what I consider to be " bait and switch '' tactics used by Generation Mortgage.
In my opinion, Generation Mortgage needs to simply re-do my loan papers, changing them to the type of loan I was led to believe that I was getting at the time. They need to do this immediately and disburse the XXXX half of my money to me right away. I have forwarded the emails from their representative to the supervisor I spoke with and she said, " I see where your confusion is coming from. '' I am NOT confused and I think the emails are very clear. They simply " checked '' the wrong boxes on the paperwork giving me the wrong type of loan.
|
Company chooses not to provide a public response | I recently ( today ) had to make an online transfer from myBank of America account to a International German account.
I always relied on good service and integrity of the bank buttoday just really made me very upset. I checked the nationalexchange rate for XXXX euros and its XXXX dollars. I checkedseveral other currency exchange online and they all say onon or about XXXX dollars. I made a XXXX euro transaction andBank of America says it is XXXX dollars. " Their '' currencyexchange is really XXXX dollars more?? It is honestly pathetic.
I did not looked at this before, I did not know this was thetype of services I was getting provided. It is unfair for thepeople whomake an honest living getting cheated this way.
|
Company chooses not to provide a public response | SOUTHWEST CREDIT SYSTEMS LP has issued a collections to all XXXX credit reporting agencies. I called and when I called they said it was a bill from XXXX XXXX XXXX - this is not possible as I have been a XXXX year client of XXXX XXXX XXXX in good standing. When I asked for more specific information I was passed to XXXX different people - all of whom said it was a XXXX XXXX XXXX bill. When I had said this was not possible and they needed to remove it from my credit report I was told " We understand, but we ca n't do that '' - I insisted they could. I was passed up the food chain and was told the same thing - on the XXXX person I was then told that this was not a XXXX bill, but rather a XXXX bill from over XXXX years ago. I left XXXX years and years and years ago and said I had no bill and could they show me the bill and why were they saying XXXX XXXX XXXX? I then was told that this was fraud and they would sent a packet in the mail - the packet insist I file a police report and supply a substantial amount of documentation. This is all very much not above board - I was given wrong information, given improper information on my rights, they do n't have a bill - How can I file a police report from a bill from over 5 years ago of which no one can get me a copy of said bill? Also, no answer has been given about the XXXX XXXX XXXX bill which is what XXXX of their agents told me prior - lastly, saying " we ca n't do anything on the credit report '' - when they issued it, do n't know what outstanding bill there may or may not be - is very troubling. Only because I knew my rights was this issue escalated and even now - they have no bill and no information.
|
Company chooses not to provide a public response | Each and every time there is a returned check on my account and I am charged a insufficient funds me, I understand but this extended overdraft balance charge fee, which Bank of America calls a courtesy to their customers is wrong. They will take XXXX check returned and add a {$35.00} insufficient funds fee, then send it thru XXXX to XXXX times at the same amount for {$35.00} overdraft balance charge fee. Making the customer pay as much as {$140.00} for XXXX returned check.
|
Company chooses not to provide a public response | Initial letters from Sunrise Credit Services ( SCS ) office were dated XXXX XXXX, 2015 & XXXX XXXX, 2015. I received XXXX different notices from XXXX XXXX XXXX ( XXXX ) dated XXXX XXXX, 2015 & XXXX XXXX, 2015 stating they were still servicing my loans. As such, I disregarded SCS ' initial letters as XXXX entities are not allowed to collect on the same debt at the same time.
I was notified of SCS ' involvement from XXXX XXXX XXXX ( GLS ) as of XXXX XXXX, 2015, therefore any disclosures made by SCS prior to that date are void. I have not been notified of a default on these loans and as the balance SCS is reporting is inaccurate, any default that occurs prior to SCS resolving the dispute is also void.
Each different SCS account number on their XXXX XXXX letters lists the same amount owed of {$9500.00}, which is inaccurate. SCS letters misrepresent the outstanding balance on each of the XXXX loans taken out with XXXX XXXX XXXX ( XXXX ) as {$9500.00} for a total of {$28000.00}. There were XXXX loans taken out through XXXX and the total of those XXXX loans was {$9500.00}.
I would also like to bring your attention to conversations with representatives of SCS ' office ; XXXX XXXX, XXXX XXXX XXXX XXXX ( unknown last name ) on XXXX XXXX, 2015. SCS representatives disclosed the nature of the call without confirming my identity, under the FDCPA that is known as third party disclosure. Additionally, I questioned if SCS was a collection agency and a SCS representative confirmed it was indeed a third party collection agency. None of the SCS representatives provided the mini Miranda, which is another violation of the FDCPA.
SCS representatives also failed to notify me that the call was recorded, which is required by California penal code.
I have not authorized any automated calls to my cellular phone and received numerous calls from SCS ' office using an Automated Telephone Dialing System, which is a violation of the Telephone Consumer Protection Act.
In closing I would like to mention SCS ' demand for payment in the amount of {$710.00} in back payments and current monthly payment of {$220.00}. My monthly arrangement with XXXX was {$60.00} per month due to my financial situation of bringing home less than {$2000.00} per month. Should they be willing to modify their monthly payment requirement, I am more than willing to establish a payment arrangement with their office that is reasonable & affordable for both parties.
|
Company chooses not to provide a public response | This is for Experian credit monitoring services. I signed up for credit monitoring services with Experian on Wednesday XXXX XXXX, XX/XX/2015, and provided a Mastercard credit card number ending in XXXX. When you order your {$1.00} Credit Report and FICO Score, you will begin a XXXX membership period with Experian credit tracker. If you do n't cancel within 7 days you will be billed {$21.00} for each month that you continue your membership. I attempted on several occasions to contact Experian beginning on XXXX XXXX, and XXXX XXXX. The phone number on their website is actually a fax number XXXX. I called that phone number several times ( XXXX ) only to be connected to a fax line. This phone number was listed as the phone contact number for questions regarding your account, billing, etc. When I was finally in contact with Experian, they claimed that I had contacted them outside of the XXXX window.. and they could not refund the {$21.00} charge. Do I have any recourse. They seem extremely underhanded in dealing with clients.
|
Company can't verify or dispute the facts in the complaint | I received a call from XXXX saying they were a debt collector and I needed to call them. The call was to my business line and we do not borrow money. I called them back and they claim to have removed my number, but why would they call me in the XXXX place?
|
Company believes it acted appropriately as authorized by contract or law | Received a loan from XXXX XXXX and the harrasments and calling of references on a constant due to late payment is ridiculous.
|
Company chooses not to provide a public response | as of XXXX/XXXX/2015 as per attached statement, I had a credit of {$1000.00} available. I had received a refund fro merchandise i returned at home depot for {$730.00}. Now suddenly my credit limit is reduced by {$900.00} and it is {$4100.00} instead of {$5000.00}. This caused me to loose money i paid as well as the refund amount of {$730.00}. this is abusive practice and totally unfair on behalf of the card holder. I fell i should have taken store credit for {$730.00} and not put it back on my home depot credit card. No i do not have the merchandise and nor the credit available which was issued as refund to me on XXXX. I have attached the statements fro XXXX, XXXX and XXXX. Please help.
|
Company chooses not to provide a public response | Continuous fraudulent charges have been on my XXXX credit card for a total of {$570.00} ( See attachment XXXX ). The charges have been happening since XXXX 2013 and have been carried out by XXXX companies, XXXX XXXX and XXXX XXXX, which are associated with the XXXX XXXX XXXX XXXX XXXX conglomerate. Bank of America desestimated my claim.
|
Company believes it acted appropriately as authorized by contract or law | They contacted me by email and telephone. I made payment arrangements to make a payment on XXXX/XXXX/2015. They are still sending threatening emails and called my employer and a family member. My family member just called me wondering if I was ok. They did this on XXXX/XXXX/2015
|
Company chooses not to provide a public response | I contacted Quicken Loan on XX/XX/XXXX to refinance my XXXX loan I havewith them to lower MI. Information was taken and my credit report wasaccessed ( it 's XXXX ). Was told I was better off going conventional. I asked tocompare conventional with XXXX loan. Those figures were not provided. Iwas provided figures for the conventional with no MI included, utilizing anestimated appraised value. On that night, I signed the application, GFE, and locked the rate. I was requested to pay {$500.00} to proceed. Every-thing needed to be done fast since I was led to believe the interest ratecould change. On XX/XX/XXXX I sent QL my bank statements, verificationof income, and tax returns. On XX/XX/XXXX I received email saying I wasconditionally approved. On XX/XX/XXXX Quicken changed the GFE since theyclaimed that the Credit Report did not include a loan I had taken a theend of XX/XX/XXXX. The revised GFE included MI, among other changes.
QL asked me to pay off a credit card and close it. I complied. On XX/XX/XXXX Iwas told my loan had been escalated again this time because the value-tion report indicated I 'm paying a HOA fee of $ XXXX monthly, which I hadnot disclosed. Being that this was the XXXX time that I felt I was beingaccused of hiding information, I clarified that QL had not asked me aboutthis information, and that I had provided said information to the appraiserwho came to my house. Another GFE package was issued withadditional changes. QL also requested that I prepared and signed a letterstating that I had not intention of selling my house in the near future. Thiswas based because my house had been on the market before. I haveno intention of selling that 's why I 'm refinancing. I said to QL I needed tofind out the legal implications of putting something like that in writing.
Around XX/XX/XXXX QL requested that I pay XXXX loans, XXXX XXXX andmy car loan. I asked QL if I could combined loan payments differently tolower the debt to income ratio, which I acknowledged is high and I need to lower according to their estimates. I also acknowledged that I hadcalculated my debt to income ratio erroneously and that theirs ( theynever gave me the ratio ) may be more accurate.
They said I had no other alternatives. I have combined other loan pay-ments, not just the car loan and XXXX XXXX, and have started topay them using my savings and I believe I do have alternatives.
On XX/XX/XXXX, Ivisited the To Do List on their web site and noticed that they had backdated a request to submit financial statements and balance sheets of mybusiness. This was back dated to XX/XX/XXXX - I had copied the To Do Liston XX/XX/XXXX. Since part of my income is from self-employment ( soleproprietorship ) I explained to them that the regulations cited by themdid not apply to me and that I had complied by sending the XXXX XXXX XXXX The rest of my income is a lifetime pension from the XXXX Florida and XXXX, which is enough to pay for a loan.
On XX/XX/XXXX I received an email from QL telling me to sign into their website because they could n't find a home loan to match my current needs.
|
Company chooses not to provide a public response | Ally Bank did not follow their published commitment of processing a domestic wire transfer request received by XXXX XXXX that same business day. Instead it took 3 business days and multiple phone calls to Ally Bank in order to process the request.
To compound the issue, Ally Bank never proactively contacted me that there was an issue, it was only through repeated calling that I found out things were blocked waiting on some new verification action.
|
Company chooses not to provide a public response | Experian is reporting a negative account that does not belong to me. This account was previously deleted from my file by the creditor as it did not belong to me. I am attaching the response from the creditor deleting this information. The original creditor is not listed but it is for the same amount as the previous account. Experian is not allowing to make any online disputes and I am not able to speak to a representative as you need a report number to do so. They continue to report erroneous information and refuse to do anything about it.
|
Company chooses not to provide a public response | After looking at my credit report, I saw a collection account that does not belong to me. I am not allowed to dispute this information online on Experian or over the phone making it impossible for me. This false information is ruining my credit and knowing full well this people did not do their job and allow people to just post false accounts on my report. They need to delete this information immediately and do a proper investigation as this information is not mine.
|
Company chooses not to provide a public response | A person deposited my check in Suntrust Bank in XXXX Florida, and I do n't have any account at this Bank. I have a copy of the check that was deposited and it shows the account number on the back. XXXX supervisors I have their names, XXXX agreed to the name I thought might be on the account and it was on the name on the account, and they XXXX agreed to me being on a recorded line and they XXXX said the XXXX name that I asked if it was on the account was not on the account. They never should have been able to deposit my check. Please help me get answers to such negligence in the banking system.
|
Company believes it acted appropriately as authorized by contract or law | I purchased a XX/XX/XXXX Dodge XXXX from XXXX on XXXX/XXXXXXXX, financed through XXXX financial.
I paid {$1000.00} down payment and purchased a {$1600.00} care care agreement. My XXXX payment was due XXXX/XXXXXX/XX/XXXX. I made my XXXX payment on or about XXXX/XXXXXX/XX/XXXX.
2 weeks prior I canceled my care care agreement and {$1600.00} was refunded to XXXX financial. My down payment or the refund from the cancelation of the car care agreement was applied to my account.
The XXXX 2 weeks a representative named XXXX XXXX would call private to my mobile phone but wpuld never state her business and laugh and hang up. I figured out it was my finance company because she finally left a voicemail box and the number was XXXX financial. She uses profane language, tells me to shut up she is speaking, she threatens me, asks me where my car is. She says XXXX never received my car payment but refuses to provide documentation. They have tried to process additional payments out of my banking account without authorization. I have reason to believe the representative XXXX calls from her personal cell phone blocking her number because she calls outside of the company business hours. When she calls I say may I ask who is calling she refuses and immediately starts asking personal information. This same representative calls a family as well late at night harassing him. XXXX makes false statement regards of why I financed my vehicle. She is extremely disrespectful. I asked her to stop calling repetitive in a single day and calls XXXX. She just stsrts yelling and making threats. She said she could put me in jail if I dont tell her where my vehicle is. But refuse to show proof of my account being 48 dsys past due,
|
Company chooses not to provide a public response | I found myself in need of having to modify my loan. I have had the worst experience with US Bank and especially with XXXX XXXX my so-called relationship manager. Not only does she not know how to speak to a customer but her lack of knowledge was reprehensible. I tried multiple times to speak to her supervisor but with no success. I also attempted to change relationship managers and that was also not done. When we finally decided to accept the modification, we sent in the payment as well as an escrow amount that was owed only to have the escrow amount misapplied. After multiple calls it has not yet been corrected. XXXX department tells me XXXX thing and the other tells me something different. At the end of the day, it has been over 20 days that my payment was misapplied and has not been corrected. My payment is XXXX it should be and have been told I need to wait over 2 months for the error to be corrected.
|
Company believes it acted appropriately as authorized by contract or law | In XXXX, I noticed a collection account from this company on my credit report, which I have never received an initial letter from stating they are collecting on this debt nor containing notice of my right to dispute the debt. Per the credit report, they stated they started collecting on this debt in XXXX 2015. I sent this company a letter and they never acknowledged receiving this. They have willfully violated the law.
|
Company chooses not to provide a public response | XX/XX/XXXX, I made a substantial payment to the holder of my second mortgage to the tune of approximately {$370.00}. After that payment was applied, the remaining principal balance was {$1.00}, as evidenced by my XX/XX/XXXX statement. I subsequently paid {$1.00} in XXXX, and the payment was received by the company on XX/XX/XXXX. In XX/XX/XXXX, I received a statement indicating that a principal balance remained of {$0.00}. This would be impossible as my interest rate in around 6 %, and {$0.00} would not accrue on {$1.00} principal in one month. I have contacted them XXXX time since : XXXX times the individual agreed that the {$0.00} was in error ; the last time she said the only way to resolve was a payoff. Frustrated, I ordered the payoff. Although {$0.00} is not a lot of money, if this company handles all clients this way, it is making a substantial amount of money.
|
Company chooses not to provide a public response | This is a continuation of a previous issue with Citibank that has reached another XXXX. Citibank increased my monthly payments XXXX and I have been unable to reach an agreement with them about my monthly payment. I am requesting that Citibank reconsider my request for graduated repayment, so that I am not forced into Collections. I would like to pursue a payment plan that works with my current financial situation and allows me be responsible for my debt.
|
Company chooses not to provide a public response | it was a rent to own managed by XXXX al.we were told by realtor that payment would be XXXX a month with XXXX down and coul.d buy the property in 2 years.The payment ended up being XXXX a month.We had already moved in so we decided to tough it out for 2 years until we could refinance.the start date was XX/XX/XXXX.Two years later we tried to go forward with purchase at fair market value but investor didnt want to he didnt want to sell at market value he expected the price to go up and real estate prices hit the bottom.so he said to pay him the XXXX a month not to XXXX.I told him that in XX/XX/XXXX last payment we moved to hotel in XX/XX/XXXX and in XX/XX/XXXX rented another place .we had XXXX invested and lost it all thanks to these people.XXXX has the audacity to report this against my credit report and even use the wrong date .They have XXXX delinquency XX/XX/XXXX if you look at my address history you will see we did not live there so could not owe them rent.we left owing them XXXX but after our deposit and payments they actually owe us.They put it with NCC business services ( XXXX ) i have called them with no response.These people are wrong in what they are doing for one thing do n't owe them a dime and they have ruined my credit.This needs to be deleted from my credit file and the fake ledger they kept destroyed.The dates reported are no good just like their company.I hope no one else has to go through this night mare.Do not rent to own people it 's a scam.
|
Company chooses not to provide a public response | Keep getting a call from this number, before it was XXXX XXXX XXXX, I had it blocked and now they have changed XXXX number to call me. I see other complaints online from this number and the XXXX. Can I sue?
|
Company believes it acted appropriately as authorized by contract or law | To Whom this may concern, I am writing you and filing an complaint against RoundPoint Mortgage regarding my property at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Il. XXXX there is a foreclosure sale date set for XX/XX/XXXX set to sell the home my husband, daughter and I currently reside in at XXXX cst I started sending documents to them in XX/XX/XXXX, well before the XXXX days prior to the sale of my home. I have dealt with XXXX other people regarding a loan modification at Round Point mortgage regarding this loan .I spoke to a XXXX XXXX who is no longer with RoundPoint Mortgage who assured me that once the paperwork went through, the sale would be postponed along with the underwriters. I have provided the proper documentation needed to do a loan modification, the hardship letters, the tax information, and bank statementsmedical statements and other personal documentation .I have sent missing documents when they were requested, and in the span of XXXX weeks left messages for someone to call me back to tell me if I was missing any other documents.i received no phone calls until I received a phone call on fri. XX/XX/XXXX from XXXX at RoundPoint mortgage and was told I had a lein against my property from my association that was back from XX/XX/XXXX which I did n't know that was on my property. I then got the information about the lein from the association that day and emailed the proper documents that said my lein was released on sat XX/XX/XXXX. I then got a copy of the release from the association and emailed those documents on XX/XX/XXXX. I also went to the recorder of deeds in XXXX XXXX and had the lein released today XX/XX/XXXX. I emailed this information to loss.mitigation @ roundpointmortgage where I have sent all other correspondence. I spoke to XXXX and he told me the documents were n't shown in the system yet, as it take XXXX hours to get into the system and to call back on weds XX/XX/XXXX which is clearly after the sale date. I have sent all the documents needed in the time frame I have been told that they were needed to be in to ask to stop the sherriff 's sale of my home. According to Roundpoint Mortgage, the paperwork was not received in the time frame they needed. I should then have been told on Friday that there was n't anything more that could be done to stop the sale of my home. I understand my loan was in default and I was trying to do everything in my power to remodify my loan but have been given a run around. I then spoke to a XXXX who is an underwriter at RoundPoint mortgage on the evening of XXXX who told me there was NOTHING that could be done to stop the sale.
XXXX XXXX
|
Company chooses not to provide a public response | This is a formal complaint against Nationwide Credit Corporation, NCC in XXXX, VA. I have been contacted XXXX times on my personal cell phone, during business hours ( typically between XXXX XXXX and XXXX XXXX XXXX ). Despite repeated requests to cease and desist, the calls persist. I notified them that my benefits provider was conducting an investigation ( That the matter had been resolved as of XXXX ). If they had questions, I was instructed to tell them to talk to XXXX XXXX ( benefits provider ). Despite this, I received the latest call this morning from XXXX XXXX at Nationwide Credit Corporation ( NCC ) yet again. I notified them at this call that I would be formally submitting a complaint for harassment.
|
Company chooses not to provide a public response | All XXXX credit reporting companies, experian, XXXX, XXXX ALL created a new credit history file for me when I changed my name. My SSN remained the same. I am a XXXX woman and I was having trouble getting credit after my transition. When I looked into it I found that all of the credit reporting companies had XXXX files for me. XXXX under my old name and XXXX under my current legal name. I am still in the process of getting this corrected, which means having them merge the XXXX files. They had instructed me to ask all of my old CC and bank loan companies to re-report the information with my corrected name. The ones that would, did but, it STILL did n't show up on my credit report. The merging of the XXXX files for each credit reporting company is where I am now. It has been a HUGE time consuming process. Many days worth of time spent on the phone to correct this issue which NEVER should have happened XXXX. XXXX they should have just started reporting my new name and new credit cards as part of my existing record based on my social security number. If I had an issue with it, XXXX. if someone else had this happen they would see it on their credit report and dispute it. So, why is n't this the default? Being a XXXX person in this society is hard enough. Why do we have to start our credit history all over when we are just trying to live as ourselves. I do n't think most XXXX people would go through the long wait times on the phone and the getting run around ... when they have XXXX records that should just get merged. If I had n't had credit monitoring from before my name change and after I do n't think I would have noticed what was going on ... well not as fast. ALSO, regardless if someone is a XXXX. If someone starts using another person 's SSN with whatever name they want, they can build a credit history. So, this is making it easy for someone to create a fake identity / life.
Please see about getting the credit reporting companies policy changed with regards to SSN and names.
Thank you.
A XXXX year old XXXX woman with 12 years credit history from when I was a XXXX and 2 years as a XXXX. Once my files are merged I will finally all 14 years of credit history that I deserve.
|
Company chooses not to provide a public response | I applied and was approved for a Bank of America XXXX credit card in XXXX XXXX. The terms and conditions I received from BOA with my credit card specified that I had a 0 % introductory APR on purchases made prior to XXXX XXXX. All purchases made after XXXX XXXX would be subject to the standard APR. I searched the remainder of the T & C 's document to be certain the balances remaining would not be subject to the increased APR, and nothing on the terms and conditions indicated that purchases made during the introductory period needed to be paid in full prior to the end of the introductory period. I was very pleased and adjusted my spending accordingly.
I received XXXX notification advising that my terms and conditions had been adjusted ( in XXXX XXXX ), but that notification did not reference the introductory APR. Each of my bills notified me that the introductory period would expire in XXXX XXXX, but that was no surprise to me. I knew purchases made after the introductory period would be subject to an increased APR. I used my entire limit prior to the expiration of the introductory period, but was quite surprised when I noticed a {$90.00} interest charge in XXXX of XXXX.
I immediately called Bank of America and was told by the representative that BOA only sent me the short form of their terms and conditions, but the long form ( viewable by BOA employees only ) included language that specified balances carried forward would be subject to an increased APR. Naturally, I was quite frustrated to learn that BOA intentionally misled me by giving me an abbreviated contract that left out critical details like this. He agreed and credited the {$90.00} with the promise that future interest charges would be investigated and adjusted to honor the terms and conditions.
Now it is XXXX of XXXX, and the majority of the balance remaining on my card is erroneously charged interest. Bank of America never responded to the request from XXXX XXXX, and they refuse to credit my account the interest charged on purchases made from XXXX XXXX - XXXX XXXX.
The terms and conditions available on their website now ( presumably those that new card holders receive ) read much differently than those provided to me as they indicate the inroductory APR only applies to the first XXXX billing statements. I wish I received those terms. Had that been what was represented to me when I secured the card, I would have managed my spending accordingly.
|
Company chooses not to provide a public response | My name is XXXX XXXX and I work at XXXX XXXX XXXX. I am writing this with XXXX XXXX who is a client of mine. XXXX is XXXX and has a difficult time understanding XXXX, so she has asked for me to help her. XXXX had some certificates of deposit with US Bank from XXXX that she wanted to withdraw. XXXX went to the US Bank locations in XXXX XXXX and XXXX XXXX XXXX. XXXX states that both locations did not help her or show her what happened to these funds. It is possible due to XXXX 's age that these funds have been withdrawn, however US Bank. When she went into the US Bank locations she was told they do not have record of those certificates. XXXX would like to see proof of what happened to these funds. Whether they were withdrawn or transfered, she believes that she should be shown a statement or some sort of proof instead of being told they do n't have those records. We did contact US Bank over the phone to inquire about this and were told that this information could only be completed in one of their offices.
|
Company chooses not to provide a public response | I was thinking about of getting a loan since i looked on my account on credit reports and i was in fair and wanted it higher, i started paying on medical bills to get score up to go get a bank loan or increase on my bank card. I waited a couple mths and i looked over my complete file report because i seen it fell to XXXX I seen XXXX inquiries, I called all three agencies, i filed complaints to the companies that i did not run my credit at al for an automobile, i went online to file complaint, they say i have mortgage, i own my home, because they want you to verify who you are. It wanted me to verify agency of mortgage, i own my home, no mortgage, it asked for monthly amount of mortgage, and its nothing so i put none of these on XXXX, transunion,, and XXXX, i had to call consumer. They had info i never heard of, above is suppose to be XXXX file number but i had to do everything in writing, and to see the online status, it gives me accounts to verify i do not have. I had to send letters out and faxes, I have not heard nothing its been since XXXX XXXX, 2013 and they have verification wrong so i can not check on status. XXXXXXXXXXXX is my email. You can see on my score charts i have no mortgage but when you login in on document Fact act or fast act you will see me to verify? what is going on?
|
Company chooses not to provide a public response | I deposited a third party check into my account through an A.T.M machine at my financial institution Bank of America on XX/XX/2015 for the amount of XXXX {$.00} The receipt stated that there would be a two day hold on the check. I waited for three days and started to pay some bills trying to pay off credit card debt. Through the course of the day it was brought to my attention that my bank was not honoring or paying for any more transactions. Confused I looked at my account and saw that the large check deposited three days from that point had been " reversed ''. I called the bank and actually was able to talk to someone at the very store we bank at ( This has never happened before, in the past we are connected to someone in XXXX to try to resolve questions because no one at the bank answers the phone ). I asked the person answering to look into the matter and he told me that because it was a third party check and they usually do not accept third party checks that a COPY of the check was being sent to our house and only after we recieve the copy would we be in the position to " what action could take place from there ''. I waited three days and called the bank again asking them to look up and see when they sent the copy because I was incurring overdraft fees every day from them and I needed to rectify this situation. I was told that he did n't know when they sent it out but they had up to 10 days for it to arrive. I asked if I could come and get the check from them and was told no I could not because they no longer had access to it. This is our money, there is no dispute with the legitimacy of it and meanwhile because they are keeping the money that should be in my account I have over drafted and am getting hit with fees every day. Is there any way you can help me get this check so I can take it and open an account at another facility?
|
Company chooses not to provide a public response | Home Depot said it was my fault for not paying a bill in in XXXX 2015. I was reported 30 days late to my Credit Bureau for this issue. My account was paid in full for a long period of time and the account had no activity. Therefore, I did not receive paper statements. I had a credit on file for an overpayment that was used and it went four or six dollars pass the credit that caused for a payment to be made. The balance on the account was six dollars and XXXX with a credit limit of {$3500.00}. Home depot reported me as late because I did not make the {$6.00} payment. I received no Bill. Later on they dropped my credit limit to 3,200.00. I called in to dispute with Home Depot and XXXX credit reporting. Home Depot female representative was not helpful. I asked to speak to a supervisor and he said it was my fault and error and not theirs. The business practice of Home Depot with this consumer who has always paid the bill and never late with big or small ticket items is deplorable! I was not treated fairly and felt rejected as XXXX of their customers. I was amicable on the phone and the people infuriated me regarding this subject matter which left a bad taste in my mouth about their business.
|
Company chooses not to provide a public response | I sent a letter to Experian requesting a proper investigation regarding the public records on my credit report as I know that the XXXX public records should not have been placed on my credit report. I went to my local county clerk office to see if they could resolve the issue but they stated to me that they do not speak, email or fax to the credit bureaus and that I would have to take it up with them to resolve the issue on my report. So sent my dispute and both judgments came back verified yet per my attorney who explained to me that under the FCRA which is a federal law that the credit bureaus have to conduct a reasonable investigation and make sure that the items on my credit report are accurate and verifiable. I know the XXXX judgement are not accurate and simply should not be there and how can they verify them with the county clerk or recorder when they do n't communicate in any manner to each other. This is a broken system and I need those XXXX judgments removed off my credit report as they are preventing me from obtaining future credit. I am a single working mother with XXXX children and I can not afford to to have these inaccurate public records.
|
Company believes complaint caused principally by actions of third party outside the control or direction of the company | I already have a case # XXXX and was told to resubmit a second complaint " not a duplicate '' This is about the dep't collection agency that has taken over the matter. I told them the bill was never sent to my address until it was in collections. The agency is called XXXX collections, their phone # XXXX or XXXX They are calling me every day on a dept. that I would have payed if I had ever received it. Now their is XXXX dollar additional charge and possible mark on my credit for a bill that was sent to the wrong address. I explained that I would pay the original amount of the original fee from the home owners association if some one actually sent me the bill. They said that was not their problem. PLEASE HELP ME with this corrupt unfair issue. I have also called The timeshare at XXXX at XXXX XXXX XXXX association XXXX times and am told each time that the manager is not their and will call me about the dept issue that they forwarded to XXXX. I never received a call.
|
Company chooses not to provide a public response | I sent a letter to Transunion requesting a proper investigation regarding the public records on my credit report as I know that the XXXX public records should not have been placed on my credit report. I went to my local county clerk office to see if they could resolve the issue but they stated to me that they do not speak, email or fax to the credit bureaus and that I would have to take it up with them to resolve the issue on my report. So sent my dispute and XXXX judgments came back verified yet per my attorney who explained to me that under the FCRA which is a federal law that the credit bureaus have to conduct a reasonable investigation and make sure that the items on my credit report are accurate and verifiable. I know the XXXX judgement are not accurate and simply should not be there and how can they verify them with the county clerk or recorder when they do n't communicate in any manner to each other. This is a broken system and I need those XXXX judgments removed off my credit report as they are preventing me from obtaining future credit. I am a single working mother with XXXX children and I can not afford to to have these inaccurate public records.
|
Company chooses not to provide a public response | There is nothing more frustrating than spending over an hour being bounced around from department to department for what should be a VERY simple request. Like many homeowners across the country, our property taxes increased. That means that our monthly payment went up. To make the burden less impacting, I called Bank of America and asked that they spread the shortage over 24 months. The responses I got were, " the system wo n't let me do it '', " you need to talk to Collections '', " Reg E prevents us from being able to do it ''. Not only are these responses not helpful to the consumer, they are inaccurate. I am beyond frustrated and unfortunately, this happens every time I call my mortgage company. I am beginning to wonder what type of training the customer service department receives and at what point they will take their customers seriously.
|
Company chooses not to provide a public response | I checked my credit report and found this collection on my report. I have no knowledge of said debt and would like documentation to back up their findings. I assume this is medical by the name and MED in the creditor.
|
Company chooses not to provide a public response | XXXX : WHY BANKS SHOULD NOT OWN BROKERAGE SERVICES OR RECOMMEND ANY STOCK / BANK STOCK / WRITTEN DISCLOSURES REQUIREDDear XXXX XXXX XXXX, At the start of the XX/XX/2008 financial crises I was recommended to a Financial Adviser at BB & T, XXXX XXXX. He built trust over a period of years and became a friend, I thought. We had numerous conversations about " Capital Preservation '' and my numerous request not to be on BB & T 's solicitations financial services products and numerous conversations that my cell phone number not to utilized by BB & T 's solicitations for financial services. When BB & T offered an 8 % preferred stock offering, XXXX XXXX called and set up an IRA securities account for me. A couple of years later to conform to Dodd-Frank rules, I learned years later, I received a unsolicited call from XXXX XXXX stock associate, XXXX XXXX, XXXX strongly selling BB & T " replacement '' preferred stock a new preferred with no disclosures regarding the risk of loss, no disclosure statements, promoting his CFP ( Certified Financial Professional ) ethics, my best alternative, etc. Substantial losses occurred as BB & T customers looked for the safety of FDIC deposits only to be moved over to unscrupulous BB & T products and employees for the benefit of BB & T Dodd Frank requirements. Later other BB & T employees stated " they would not have touched selling the BBT preferred, especially after not being able to recommend the BBT common stock. '' I think XXXX XXXX, XXXX should had disclosed he was not acting in my best interest ( as required by the CFP ethics ) and even though XXXX XXXX was 100 % of the time utilizing the trusting XXXX logo, he chooses when he is utilizing the XXXX ethics. Financial brokers should be required to provide disclosure material by email or other written form, make there financial recommendations and disclosures in writing, and have executed forms of disclosure. A " Know Before You Purchase My Stock / Financial Instruments Recommendations ''.
Further more, I understand, that XXXX XXXX on numerous occasions, circumvented my attempts to " move away '' from his services and stay within BBT. I attempted on numerous occasions to deal strictly with another broker that I had know from XXXX and XXXX XXXX and his manager, XXXX XXXX prevented my request, another CFP violation.
Bottom Line : It appears that the banks draw in deposits with FDIC assurance and build trust with a financial adviser ; at the same time strongly push and make financial incentives for the financial adviser to transfer deposits over to the brokerage side of the bank while building trust with logos like XXXX and later claim the XXXX trust and ethics are applicable.
Request that the CFPB make rules to stop predatory stock sales, require written disclosure and upfront cost disclosure and risk, be fair and transparent, hold the financial institution responsible for the employees services and / or dishonesty.
|
Company chooses not to provide a public response | I signed up for a USAirways XXXX XXXX credit card in XX/XX/XXXX when they were running a special promotion : Pay the annual fee of {$89.00} and receive XXXX companion flight certificates to be used anywhere they fly for {$99.00} each. Shortly thereafter, US Airways and XXXX merged and I was sent a letter that they will no longer honor the companion certificates. They did not offer to refund my {$89.00} annual fee. They only offered XXXX bonus miles if I spent another {$3000.00} on the card in 3 months. The company made good on the XXXX miles, but I just received a promotional mailer stating that they are offering the original deal again : XXXX companion tickets for {$99.00} each ... I just spoke with the company and I ca n't get a straight answer. They refuse to discuss the fact that the promo was taken away and now that it is being offered again, they said they could give me {$99.00} companion certificates but they would only be good for use in XX/XX/XXXX. Problem is that we take XXXX vacation per year and already purchased full-price tickets for our XX/XX/XXXX vacation because we were told they no longer offer the original deal ... Is this even legal?
|
Company chooses not to provide a public response | I have a credit card that is with Bank of America it has been on auto pay for years. The auto pay did not happen in XXXX. I was not aware of why because I did not stop the auto pay. Bank of America Charged me a late fee due to none payment. After calling Bank of America and speaking to the bill pay department, the online department the credit card department and transferred back to online banking I was told that there is a system upgrade that caused an issue. However they still charged the fee and could not confirm that the auto pay was going to happen in XXXX. If they knew there was a system issue why would they not auto correct the issue instead of charging the fee? Because they want to XXXX from people and hope they do n't complain. It took XXXX minutes out of my day and no department took real responsibility they are making it difficult so that people give up and they can collect fees they should not even have charged.
|
Company chooses not to provide a public response | In XXXX, 2014, I disputed a number of accounts for my husband and myself against my Experian credit report. I also provided documentation to support my request. I received a notice that the dispute was received form the bureau. However, the items remain on my and my spouses report with no change.
Since XXXX, 2014, I have submitted online disputes to no avail.
|
Company chooses not to provide a public response | I 'm no longer an account holder of SunTrust. I used to be until I realized how unethical of a company that is. Let me explain to you why I believe this : For years, SunTrust advertised and promoted in big letters their XXXX XXXX debit card. With that card, an account holder could earn XXXX mile for every {$1.00} spent ( for debit and credit card transactions ). SunTrust even advertised that they would not put a cap on a cardholder 's ability to earn miles.
Over the past XXXX months, SunTrust must have reviewed their debit card portfolio and what they did as a result of their review is shocking : They closed all account holders who had earned above average number of miles regardless of the types of products they purchased, regardless of the length of their relationship with SunTrust, and regardless of the amount of money in their checking accounts. I know of at least XXXX cases where SunTrust contacted XXXX XXXX to have the miles in the cardholder 's account reversed!!!
SunTrust is clearly engaging in what is commonly referred to as " bait and switch '', a marketing strategy of getting customers to sign up for a product ( that, by the way, carries a yearly fee of {$75.00} ) and then, once a certain number of miles are earned, the account is closed. This is unacceptable and a regulatory violation.
If SunTrust does not immediately stop closing accounts and reversing miles already earned, I 'll notify a well-known XXXX XXXX lawfirm to pursue a class action lawsuit against SunTrust and its XXXX and XXXX individually.
|
Company chooses not to provide a public response | Please investigate the practices of Experian. They have manipulated my credit report and score. They are unresponsive and vague. My score has recently dropped XXXX points yet no one is able to give me a consistent answer as to what has happened. I have filed several disputes and they remain unresolved in addition I have cancelled my monitoring service. 2 days before the cancellation I was notified my score dropped XXXX points. I pay my credit card balances in full every month and I do not have any late payments that are undisputed. In addition, they are allowing a creditor to continue to " update '' information that is 15 years old. I have made XXXX calls and spoke with a manager " XXXX '' who all provided me with inconsistent and unverified information. I am exhausted with the run around, the responses I receive from Experian are. '' We do n't know '', " Probably '', " Contact the lender '', " It will take 30 days for a response '' I am in need of assistance from a governing agency above and beyond Experian and again I want a complete review into the very suspicious dramatic decline of my credit score upon cancellation of my subscription service. That is key information and I am willing to contact local media to investigate this company. In addition, it is my concern that this action is discriminatory. PLEASE contact me ASAP, I have been caught in this cycle for over a year and I have pending important matters that I need to take care of that involve my credit. Time is of the essence, I need to bring attention to and STOP this FRAUDULENT behavior.
|
Company believes it acted appropriately as authorized by contract or law | I have XXXX credit cards with USAA BANK. Both are {$4000.00} limits and are fairly new. Back at the beginning of XXXX of 2015 I applied for a car loan through USAA. The next day I spoke with them over the phone and they informed me I was approved for 84 months at 8.5 % for a new car with a limit of around {$31000.00}. For over a month or so I was unsure if I wanted to take the loan, I wanted to really make sure I could afford it. As it is such a big purchase it is good to take your time. I decided that I did n't really like any of the new cars so I had the bank close my application. However, my spouses car broke a few days later and I decided to call USAA Bank back and reapply. I was gain approved for {$35000.00} at 9.45 % for 84 months. I started going through all the paperwork online to make sure I had everything completed. I was ready to go, I even called the bank and told them I found a car and that I wanted to make sure I was ok before I went to purchase it. They said just print the blank check and take it to the dealer super easy. So I did, I went down to the dealer bought the car and even turned down the dealers offer of financing. I told them I already had a check from USAA. So a few days later I went online to make sure my loan and the new payment amount showed up on my account. It had not posted yet and I found that concerning so I called. I was told that I needed to hold on and USAA would look into it. After being on hold I was told that I needed to keep holding. I said is everything ok? I did everything I was told, the employee said how many cards do you have with us? I said XXXX and I named some other credit I have. He then left me on hold for another 10 minutes. I was so confused. I was really starting to feel nervous so when he came back I said is it ok? He said that USAA would not let the loan go through and that it had been reviewed and for some reason it had something to do with my personal information. I was floored with shock. USAA was so vague they said that had to review everything and it would take 3 to 5 days. I asked for a supervisor and everyone was treating my like a criminal. No one told me why, or anything. I said why did you give me a blank check if I was not approved? He said he did not know. I called back several times and I was told that my credit cards were closed also for review. AGAIN I have done nothing for them to freeze my accounts or drop my loans for no reason. I had just bought a car and it does n't seem fair to treat someone guilty who is n't. I have a right to know what its going on with my accounts. Was there a mistake on my application? Had there been fraud done to me? Nothing ... ... Humiliated and locked out for no reason at all. I was financed in 10 minutes at the dealer with no problems at all. I think that consumers have a right to know and I do n't think Banks should say you are approved and then after you buy a car you are not. Very Very bad business and they should be reviewed I have seen thousands of complaints and they are supposed to be a group that helps veterans. My dad is a XXXX vet and I ca n't believe this bank is for them. Please help me, I have worked so very very hard on keeping my credit and it is good and getting better and better. I am scared that they might mess with it by closing my credit cards when I have not abused them. I told the dealer and friends and family and they were all shocked that.
|
Company chooses not to provide a public response | I have been a XXXX XXXX XXXX for 4.5 years and my identity was stolen last year. The thieves obtained a credit card from Barclay which they used to rent and steal cars XXXX miles away in XXXX California. I have provided tips to law enforcement, leading to seizures of some of the thieves ' equipment, and the police have video surveillance and XXXX suspects in custody, caught in a stolen vehicle with many fraudulent IDs, including some for me. I have provided this information and the police report to Barclay and XXXX in multiple disputes since XXXX. I recently mailed a dispute to Barclay and requested all documents relating to this account, including a list of all charges and payments made, all investigative findings, when they contacted the law enforcement contacts I provided, and how and when they verified any and all information, as is my right under the FCRA. However, they have refused to provide me this information and are thus in willful noncompliance with the FCRA.
|
Company chooses not to provide a public response | I worked in the XXXX for XXXX years during the XXXX. I was entitled to a Social Security ( Pension payment ) which is paid into my Bank of America XXXX Checking account..
I am now living in the XXXX XXXX XXXX years old and have experienced major XXXX XXXX recently.Because of my XXXX situation I need to transfer money money to the XXXX.
A simple wire transfer XXXX would assume, not so, I can not transfer more than {$1000.00} without purchasing " XXXX '' but to do that I need a XXXX mobile phone number which of course I do not have.
I have spent literally hours on the Telephone trying to resolve the situation all to no avail, the only avenue open to me is to write myself a check which I am told will take XXXX weeks at least and with Bank of America response to date I do not have a great deal of confidence
|
Company believes complaint caused principally by actions of third party outside the control or direction of the company | this is regards to the lawsuit settlement between CFPB and XXXX College. My son had XXXX student loans issued thru Genesis Lending via XXXX. My husband is a coborrower on these loans. He has received XXXX letters for the XXXX loans, but our son has not received these letters - it is very important that our son receives these letters addressed to him as it has these XXXX loans have had a negative effect on his credit reports. The letters sent to my husband stated that notification was sent to the XXXX major credit reporting agencies requesting that these tow loans ( accounts ) be deleted from his credit report, but our son has NOT received these leters.
|
Company can't verify or dispute the facts in the complaint | From approximately XXXX XXXX - XXXX XXXX, I was appointed as an elder and treasurer of an XXXX ; XXXX XXXX. Upon appointment the leaders informally changed the name of the group from XXXX to XXXX. The XXXX leaders were begrudgingly appointed by the owner of the property where meetings were held. The owner, XXXX XXXX, transferred associated expenses for the building/property out of his name. XXXX such expense was XXXX XXXX XXXX, which provided fuel for the facility. Without my knowledge or consent, this account was apparently placed into my personal name. I had been informed that the bills would be sent to my personal address, as the treasurer of XXXX, due to the lack of a mailing address. After several disagreements with XXXX XXXX, regarding XXXX and legal matters, I separated from the XXXX organization and from XXXX XXXX, the owner of the property. Immediately upon my separation, the appointed leadership dissolved and XXXX dissolved, reverting back to XXXX. Immediately, after paying all outstanding bills, the financial matters were abandoned back to the original property owner ; XXXX XXXX. However, after contacting XXXX XXXX XXXX to inform them to stop sending the group 's bills to my address, I was advised that XXXX XXXX needed to approve this change and voluntarily assume responsibility of the account. During several telephone contacts with representatives from XXXX XXXX XXXX I disputed this, explaining that I was the treasurer of the XXXX group and was not personally responsible for the account. Confused about how XXXX XXXX XXXX personally attached me to the account, having just filed for bankruptcy in XXXX ( XXXX ), and fearing that XXXX XXXX would not voluntarily resume responsibility over the account, I informed XXXX XXXX XXXX to close the account. I was informed that I needed to provide a written letter to XXXX XXXX XXXX, explaining that I was no longer responsible for the account. I wrote the letter and provided them with a copy in XXXX XXXX. The letter informed XXXX XXXX XXXX that I was no longer handling the financial matters of XXXX, that the group dissolved and would resort back to XXXX, and that the original account holder, XXXX XXXX would resume control over all financial matters. I included XXXX XXXX 's name and contact information, For several months I never heard back from XXXX XXXX XXXX. However, when XXXX XXXX XXXX contacted me several months later they advised that I was personally responsible for a balance of over {$400.00} that was incurred over a period of time after XXXX XXXX. I disputed this with their agency on several occasions, during multiple harassing phone calls, in which they attempted to collect the debt. Finally, possibly in XXXX XXXX, a representative from XXXX XXXX advised that he would administer a recorded, XXXX, conference call with myself and with XXXX XXXX to clear up the dispute. During the course of this recorded conversation, XXXX XXXX assumed responsibility for the debt and any future debt incurred on the account. Several months passed again and XXXX XXXX did not make any attempts to contact me, again leading me to believe the dispute was resolved. On XXXX last occasion, possibly in the XXXX or XXXX of XXXX, XXXX XXXX XXXX again contacted me, attempting to collect the debt. I refused to provide them with any information, referenced the XXXX conference call with XXXX XXXX, and adamantly disputed the debt. XXXX XXXX XXXX has not contacted me regarding this debt, since that time. I have had no contact with XXXX XXXX since the XXXX conference call in XXXX. However, yesterday, a Debt Collection agency representing XXXX XXXX XXXX sent a letter, again attempting to collect this debt.
|
Company chooses not to provide a public response | I am living in XXXX. My Citi bank credit card # XXXX has been blocked on XXXX XXXX 2015 without any proper notification. They have automatically cancelled my XXXX and charged some closer amount also for that. I called the customer care and raised a complaint and they told me this was happening due to the lack of XXXX document. They want me to provide the same and as per their communication XXXX of their representative will come and collect the same from myself. They have filed a complaint but did n't take any action yet. I called them for about more than XXXX times and none of them come to me to collect the XXXX document. I also went to their XXXX of the branch located in XXXX and produced the same. But still my card not got released and I did n't get any status update from them. I also payed for the money ( XXXX ) what I used for that particular month before the actual due date. I was using this card for more than XXXX months and I do n't know how can they allow me to use the card without proper XXXX document for more than XXXX months. I want to take necessary action on this issue.
|
Company believes it acted appropriately as authorized by contract or law | Here is a copy of the letter I submitted to our mortgage servicer, Nationstar. After further research, Nationstar did contact our county for the tax amount, however, nobody seems to be referencing the figures shown on our XXXX, which reflects amounts necessary to cover our escrow needs. That is my chief complaint.
Letter to Nationstar-After repeated, unsuccessful attempts to speak with a supervisor regarding our concern, I 'm now attempting to make contact and get answers this way. I want to dispute the increase of our payment based on a faulty escrow analysis performed on our account. According to the CSR 's that I have spoken with, an analysis was done, and revealed that we were short roughly {$2000.00}. This was based on an analysis that was done in XXXX, and based on an amount paid to our taxing authority, XXXX County. Had your analysis been done correctly, it/you would have discovered that the amount you paid to the county was for the last 2 months of XXXX, therefore making it a faulty analysis. Had you done the analysis correctly, you would have contacted the county, or perhaps even read the HUD1, and discovered that the amount to be set aside should have been $ XXXX, or {$2100.00}. An amount that would have more than covered the tax bill. I will not accept, nor be responsible for paying in the rears, and making up for an error made by your company that appears to coincide with your purchase of my loan, and shows the incompetence of Nationstar to properly service my loan. We will continue to make the necessary payments in an amount that will satisfy all current needs on our mortgage. Any shortages from XXXX can be absorbed by your company as a result of your own error. Figures below are based on Escrow Disclosure Statement dated XXXX/XXXX/XXXX, and the original HUD1 from our purchase of the home. P & I- {$900.00} Escrow- {$180.00} Homeowners- {$83.00} ( an increase over the HUD1amount of {$54.00} to cover actual insurance costs with Travelers ) MIP- {$200.00} Total- {$1300.00} This is the amount you will receive on our due date of XXXX XXXX, XXXX unless I hear from you with another option to correct this mess. If this does n't initiate some dialogue, then I 'll be submitting a legal QWR to resolve the issue. Thank you, XXXX XXXX
|
Company chooses not to provide a public response | Experian is reporting an item on my credit report on behalf of XXXX, for a credit card that was charged off XXXX, which means the first date of delinq was prior. It is being reported under good standing, which it is not. It was a charged off acct. They state they are reporting until XXXX, past the XXXX years they are allowed to report charged off accts. Since XXXX no longer owns the acct they will not remove the tradeline. I would like for experian to please remove the tradeline, or provide the correct removal date based off XXXX years from the XXXX date of delinquency.
|
Company chooses not to provide a public response | I went to XXXX XXXX for XXXX shopping but my card was declined. I called Phone banking but was put on long holds, finally when some one made their self available I was told that my card was temporarily blocked. This stupid decision was made without even informing me thus after queuing up in line to buy for weekend and XXXX I had to leave store empty handed. Further when ever I contact BoA I have to face long holds and their chat representative are always busy as well. This wastes my time and in case of emergency i do n't think i would be able to get in touch with them. Do n't they calculate their capacity model, whats the use of having help line and chat if they are always out of representatives.
Can you please look into the above complain because the representatives at BoA do not care about customer complains.
|
Company chooses not to provide a public response | I have a XXXX mortgage with U.S. Bank. I had a loss of income due to a job loss. I needed to sell the house. Because the value of the house had fallen, I was upside down in the house. We had an offer to purchase the house that would leave a {$30000.00} shortfall. We asked the bank to work with us to either take less at close or lend the balance to me. I have been a U.S. Bank customer for over 20 years and have never missed or been late on any loan payment with U.S. Bank or any other creditor. Regardless U.S. Bank did nothing except ask for paperwork regarding the sale, my financial records, etc all of which I provided. U.S. Bank 's inaction over a 2 month period resulted in the buyer canceling the sale, since we could not provide a clear title. U.S. Bank refused to expedite my paperwork despite pleas from my attorney and me to make a decision so that we could lessen the financial loss to U.S. Bank and me. We presented XXXX solid proposals to the our assigned contact, filled out the paperwork correctly, spoke to a supervisor, all to no avail. U.S. Bank did not want to move forward on a simple {$30000.00} decision or provide any solution other than say they were working on it. Why did U.S. bank decide to harm themselves and me by taking no action. Now all parties will incur larger losses.
|
Company believes it acted appropriately as authorized by contract or law | Pace Financial in XXXX, TN is horrible & when your unable to make your scheduled monthly payment they call & say if you do n't pay by the end of the month your vehicle will be repossessed because we have to have it in here by the end of the month or it goes to managers review. They keep you on the phone when they call for XXXX or more mins lecturing you & repeatedly tell your hurting yourself & your car will be repossessed if you do n't listen to us!!! They have no compassion to your situation or circumstances!!! Def stay clear of this company!!!
|
Company believes it acted appropriately as authorized by contract or law | I received a letter from Penn Credit Collection agency dated XXXX XXXX, XXXX.
The letter saying I owed {$56.00} for a parking ticket ( XXXX ) from XXXX XXXX, XXXX to the city of XXXX.
I had paid the ticket in full in XXXX XXXX to a collection agency called XXXX XXXX XXXX, XXXX with USPS money order ( receipt number XXXX ) in the amount of {$56.00}.
The amount I paid in XXXX is {$56.00} is the same ticket number XXXX from XXXX XXXX.
I am not sure why Penn Credit is trying to make me pay for a ticket I 've paid for almost three years ago in full.
|
Company chooses not to provide a public response | I paid my balance in full to reflect on my credit report through XXXX XXXX XXXX XXXX XXXX XXXX in XXXX original creditor was XXXX XXXX Retail orignal creditor acct # XXXX, when I went to apply for a home loan the mortgage company pulled my credit and it does not show as being paid in full and still shows a monthly payment and shows as delinquet and was not deleted as promised by the creditor upon payment. Equifax has already deleted this off of my credit report and I would like to request that Experian and Transunion does the same.
|
Company believes complaint caused principally by actions of third party outside the control or direction of the company | Unable to get a hold of business ( Progressive Management Systems ) who has reported information to XXXX about a medical debt that does not belong to me. I have contacted ( XXXX ) to clarify accuracy of debt, I was told they have No record of me at XXXX they told me to contact collection agency but I am unable to contact the company as every listed number is not active. I have filed a dispute through XXXX but company reports this is my account. how is that when I do n't live in same state or have ever in my life been to a XXXX hospital or group as XXXX has told me XXXX has No record of me. What do I do?
|
Company believes the complaint is the result of a misunderstanding | Debt Recovery Solutions Of XXXX ( DRS ) did not notify me of a collection against my XXXX and reported the claim on my credit for {$470.00}. We were legally separated when she received medical services and our court orders specify that she is to pay her own XXXX above what insurance covers. I disputed the claim on my credit report and contacted DRS today, they will not remove the file stating I am responsible for her XXXX since we were still XXXX at the time.
|
Company chooses not to provide a public response | I keep getting a robo call ( XXXX ) threatening me with legal action accusing me of defrauding a financial institution. after i callled them back with a supposed case # they refused me any information like their adress. They told me their name is XXXX in georgia but the calls come from Ohio
|
Company believes complaint caused principally by actions of third party outside the control or direction of the company | This company attempted to collect on a XXXX XXXX debt that was paid in full. I contacted XXXX XXXX and researched with them and they were not showing a debt owed to them and could not find where anything was reported to this debt collection company. They were showing I was paid in full especially since I had current services with them. I contacted the debt collected company back and informed them off this and they said they would report it and have it removed. This was in XX/XX/2014. The account RECENTLY has been ADDED back onto my credit report and is showing as an open account and they are attempting to collect on it again.
|
Company disputes the facts presented in the complaint | Someone from this number, XXXX keeps calling my father 's residence looking to speak with me. Apparently, she has told my dad there will be legal action taken against me if I do not pay " said debt ''. However, I have all my financial information taken care of. She is violating the Fair Debt Collection Practices Act by threatening someone else for a debt I supposedly owe. There is no verified debt amount, who the debt is from, and or a federally required debt collection notification letter sent to my address over said debt.
I want these calls to stop occurring right now.
|
Company chooses not to provide a public response | There was a coding error with a Doctors visit ( XX/XX/XXXX ) which was resolved with XXXX XXXX billing Dept. XXXX XXXX picked up the collection. In a 3 way phone conversation ( XXXX billing, XXXX and XXXX XXXX XXXX, XXXX XXXX Billing Dept. told XXXX XXXX that they were not the collection company authorized to make collection and that there is a XXXX balance on the XXXX XXXX Account. XXXX XXXX Billing Dept. Forwarded a two year billing history to me, which was sent to XXXX, XXXX, and Trans Union credit reporting agencies. All XXXX Reporting agencies did not acknowledge the reporting documents in the investigation. Because XXXX is the only agency that has a telephone number to resolve issues. I made a reinvestigation with XXXX only ( ref # XXXX ) XXXX at XXXX stated that there were no notes regarding the billing history in their investigation. I am convinced that All XXXX agencies took the same lack of investigation.
In addition to the lack of investigation, XXXX XXXX was requested to send an itemized account regarding this issue in XX/XX/XXXX and has not been delivered to this date XX/XX/XXXXIn conclusion, I am not apposed to paying a debit that I owe. I do not feel that a persons credit should suffer as a result of a wrongful case management.
|
Subsets and Splits