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Company chooses not to provide a public response | On XXXX XXXX, XX/XX/2015, a caller who identified herself as XXXX XXXX from Performant Recovery, called the CEO and the Chief Technology Officer of my employer. XXXX of these company leaders are based in XXXX and in separate offices, identifying herself as being from Performant and asked whether I was working. XXXX officers informed the caller such calls were not allowed at work and that the caller should make any calls on a non-work number ( i.e. a personal number ).
On XXXX XXXX, XX/XX/2015, a caller who identified herself as XXXX XXXX from Performant Recovery XXXX called the New Hampshire office of my company. In the XXXX of the XXXX calls, she left a detailed phone message with the office that included identifying herself as a debt collector. A XXXX call was made from this number XXXX hours later, XXXX.
Prior to the XXXX XXXX violations, repeated hang-up calls have been made to the New Hampshire office of my employer from XXXX. In several instances, a XXXX telephone number, XXXX, has also made hang-up calls to the New Hampshire office of my employer moments later after the XXXX hang-up calls from the phone number ending in XXXX.
Since the XXXX XXXX violation, robo and/or hang-up calls from the XXXX have been coming in daily ( including Saturdays now XXXX to the New Hampshire office of my company.
Note : on XXXX XXXX, I mailed notice to Performant via certified mail with return receipt requested to 1. demand they stop calling my place of employment and 2. put them on notice they have violated FDCPA plus similar consumer protection laws in Massachusetts and New Hampshire XXXX
I mailed a copy of my letter to Performant to the Federal Trade Commission Bureau of Consumer Protection office XXXX XXXX XXXX XXXX XXXX as well as mailed copies to the appropriate enforcement agencies in Massachusetts and New Hampshire.
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Company chooses not to provide a public response | i do not recognize this information this is a fraudulent account that needs to be removed asap as it was opened as a result of identity theft
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Company chooses not to provide a public response | Bank of America sent me a letter in XXXX XX/XX/XXXX stating they reached an agreement with the Federal government and through this program they have forgiven part of my loan and that the forgiveness would be effective XXXX XXXX. The letter also stated that even if I was selling my house or paying the loan in full, I was still eligible for the forgiveness as long as the sale or payoff was completed after the forgiveness was processed. I call Bank of America shortly after receiving this letter and was told and assured by a Bank of America staff member that the forgiven part of my loan would be effective and processed on XXXX XXXX, XX/XX/XXXX We are selling our house and we set our escrow closing date after this date based on the information provided by Bank of America. Shortly after XXXX XXXX, our escrow requested a payoff from Bank of America and was given the original payoff amount. I called to find out why the payoff was n't reduced and the Bank of America staff member told me it still had n't processed but that I was n't eligible because I was selling my house. I spoke to her supervisor and was told the same thing. XXXX staff members told me that Bank of America is not in the business of giving away money and that my loan did n't qualify for the forgiveness because I was selling my house and not maintaining my loan with Bank of America. After I read the letter I received from Bank of America to them, they advised me they would have to research the issue but could take up to a week to get an answer. Finally, they agreed that my loan was eligible for the forgiveness after numerous followup phone calls and that my loan forgiveness would be processed by XXXX XXXX and that there was nothing they could do to expedite the processing. I called back to get help from another department that works with the Department of Justice and was told my loan was set to be processed by XXXX XXXX. Now it is the end of XXXX and they are telling me that ca n't give me a date it will be processed. I have been mislead and lied to by several Bank of America staff members and due to their processing delay the buyers of my home are threatening a potential law suit and the sellers of the home we are buying are threatening to cancel the sale if this issue does n't get resolved quickly. The delay, lack of response and misinformation by Bank of America has put me and the parties involved in the sale of our house in a financial bind. We need my loan forgiveness processed immediately before further expenses are incurred and the possible cancellation and law suit if this processing delay continues.
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Company chooses not to provide a public response | Upon receiving my credit report, I noticed many inaccurate reports that had primarily been reported by Experian. I am seeking all ways to have this report corrected. This is just another tool in this attempt.
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Company chooses not to provide a public response | Hello, I 'm suppose to receive the Frank Dodd XXXX every year XXXX more years.
This program includes the incentive rewards for borrowers who have received a permanent home loan modification and pay their mortgage on time every month.
A borrower should receive annual principal reduction payments in the amount of $ XXXX contacted customer service several times and they are useless. Nobody can give me a straight answer. Last year I received the incentive reward with great difficulty, but this year nothing has been received.
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Company chooses not to provide a public response | In 2013, I lost my wallet in which my bank card was enclosed. Fraudulent activity occured on my account which placed my bank account in jeopardy. Filed a police report, stating my card was lost and that someone had charged my card in the amount of {$2800.00} dollars through credit. Notified BOA ( Bank of America ) of the transaction and submitted reference number from police report. Eventually my claim was accepted and BOA brought my balance back to {$0.00} or the amount that I had on my account orginally. My account was closed. Attempted to open up another account and BOA refused and told be to notify the consumer credit bureau under FDIC. Attempted to open up an account with XXXX Bank but they refused also.
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Company believes it acted appropriately as authorized by contract or law | Last week I applied for a used car loan at my financial institution, USAA. I asked for a loan up to {$15000.00} but also told the loan processer at USAA that I hoped I would need a loan for less than $ 15K after we finished negotiations on the car. I was quoted a rate of 2.75 % for this loan.
After concluding negotiations with the owner of the vehicle for the sale at {$13000.00}, I gave the owner my personal check for {$1000.00}, so the remainder needed for a loan was {$12000.00}. I called USAA to execute the loan, but was told that for any amount less than $ 15K, the interest rate would be higher than 2.75 %. Because of the higher rate, I complained and spoke to several different people in USAA 's loan department, resulting in rates quoted from 4.75 % down to 3.2439 %. They still refused to give me the rate originally quoted of 2.75 %, even though I have a screen printed from their website showing the 2.75 % rate for my loan. They claimed that if I would take the $ 15K ( or higher amount ) loan, I could still get the 2.75 % rate, but for any lesser amount, the rate would be higher. This makes no sense at all, since their risk for a smaller loan amount is less than with the larger loan amount.
This is nothing more than a classic " bait-and-switch '' tactic. If this was a disreputable loan shark, I might understand their tactic, but for USAA, I did n't expect such dishonorable and dishonest behavior. They should be prosecuted for their " bait-and-switch '' tactic to the fullest extent of the law.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | I was injured at work in XX/XX/XXXX and XXXX took over. I had surgery done on XX/XX/XXXX, and all my medical bills were to be paid by XXXX. They are charging me rather than the Insurance company. I have sent XXXX all the debts outstanding and they promised to pay but they are still delinquent on my credit reports.
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Company chooses not to provide a public response | Letters threatening to sue on a fraudulent debt alleging I owe a XXXX year old credit card debt from an original creditor ( XXXX XXXX Bank ). I 've never had an account with this company. The debt is time barred.
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Company chooses not to provide a public response | This company, XXXX XXXX XXXX, filed a small claims lawsuit against me for money owed to them, and won a judgment. They then hired someone, XXXX XXXX XXXX, to collect this for them. I have the written agreement between XXXX and me, the paid receipt from XXXX, copies of my cleared checks front and back. XXXX was to have XXXX XXXX file a satisfaction of judgment upon receipt of payment, and remove the items from my credit report. To date, this item is still reflected open on my Experian and XXXX credit reports, and no satisfaction of judgment has been filed with the court. I can not seem to get this updated anywhere. I have filed disputes with XXXX and XXXX, sent both of those credit reporting agencies, copies of the agreement, the paid receipt and front and back copies of my cleared checks, and all they do is ask the courthouse if this item is still open and then they tell me that they have verified the debt and it is still open. Which is what the court would say because the satisfaction of judgment has never been filed. I need these items removed from my XXXX and XXXX credit reports, as they have been paid and satisfied.
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Company chooses not to provide a public response | To Whom It May Concern, In XXXX, I wrote a formal letter to the XXXX main credit bureaus Equifax, Transunion and Experian requesting them to close an investigation for disputed items on my credit. I requested them to remove the " DISPUTE REMARKS '' from my credit report since the investigation has taken over 90 days.
I am attaching a copy of my credit report, SSN card and a copy of my driver 's license for reference.
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Company chooses not to provide a public response | I have attempted to set up an auto payment on my credit card through the bank of America at least XXXX times over the past two years. I finally set up a minimum payment auto pay for {$130.00} monthly for one year via phone payment center ; I set up alerts on my online account and was never notified that the minimum payment set up given to me was not the correct amount due ; I have been charged a late fee for several months and despite calling in my payments, I am still being charged late fees. I believe the web auto pay is set up to make if impossible to use, the phone system is apparently worse, I have been deceived about the amounts due for my minimum payment ; I have been restricted from using the on line billing auto payment and I believe this is all done to defraud consumers.
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Company chooses not to provide a public response | Was subject to credit card fraud. BankAmerica closed the account and sent out a card for a new account. The new card was sent to someone else at a different address. Then they were supposed to send it to me at my office. Again they sent it to the wrong address. At no time was a signature required. I paid the balance ( not including the disputed amount ) in full on time. They could n't manage to post that to the new account. But they had no trouble moving over the balances owed. When this was brought to their attention, they agreed they got the payment and would move it over. But they would not issue a corrected statement to me. Claimed they could n't. And if they could they could n't email or fax it to me. Prior to BankAmerica buying XXXX it was able to do these sorts of things. After being put on hold for 30 minutes XXXX different times, I finally spoke to XXXX XXXX who claims she is the head of their service center and she reports to no XXXX outside of the chief corporate officers of BankAmerica. She again refused to send me a corrected statement showing the payments I had made. To say the least I will be closing my BankAmerica credit card and will find XXXX that has no connection whatsoever with BankAmerica. Not that I expect customer service anywhere else to be any better. Are n't we glad all of these banks are too big to fail.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | In 2008 I attended XXXX University in XXXX off XXXX and XXXX while attending XXXX University I was only known of the XXXX XXXX loans I had. While going to the school they kept telling me I did not have enough money to continue that I had to keep taking out loans just to continue. Right before I graduated they told me I did n't have enough money to XXXX that I had to take out another loan before I can XXXX an at that time is when I found out I had a XXXX lending loan. Then after XXXX i ask for my XXXX to find out they took more then XXXX loan out on the same day at the same time. I also find out that they XXXX about how much money my XXXX will cost it was suppose to cost about XXXX an when i XXXX it was almost XXXX. I was also suppose to XXXX after XXXX years and i did n't XXXX till about XXXX years. Then after XXXX and continuing XXXX i was told i can continue with my XXXX even if i had a XXXX record and it withhold of adjudication. well I just found out that i wasted my time at XXXX and XXXX college In XXXX to get my XXXX and almost my XXXX and XXXX wont even let me withdraw when i told them my situation. Even though they said i am not even suppose to be certified but they still wont withdraw me. I told genesis lending of my situation but they wont drop the loan. I do n't feel I need to pay any loans because it was more then what i was told and I was lied to just so they can get money I wasted my time when I could of went to XXXX for something else.
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Company chooses not to provide a public response | I have requested on several occasions on all XXXX credit reports for XXXX XXXX account to be removed off XXXX, Experian, and XXXX. Last deliquency date was XX/XX/XXXX and this company is still reporting charge off and also has sold account as of XX/XX/XXXX to XXXX and now this company is showing collections account and date opened in XX/XX/XXXX. I have also requested on several occasions to a XXXX agencies to correct this information as well. This should also reflect actual date but instead they are using a more recent date to effect my credit for a longer period. Please remove XXXX XXXX account and correct dates on XXXX XXXX. This should not remain on my report longer than 7 year period. Thank you.
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Company chooses not to provide a public response | XXXX State filed judgement of {$18000.00} on XXXX/XXXX/2015. After our accountant provided them information why we did not owe this amount, XXXXState cancelled this assessment. See attached notice from XXXX State. However, they did not report the cancellation of this assessment/judgement.
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Company disputes the facts presented in the complaint | RIDICULOUS I CANT BE HAVIN PEOPLE CALLIN ME AND TELLING THINGS THAT DO NOT EVEN BELONG TO ME. AND ON TOP OF EVERYTHING THEY REPORTING ON MY CREDIT. SO I SENT A NOTICE SAYING TO STOP. THEY STILL DOIN IT
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Company chooses not to provide a public response | For the past 2 years, I have disputed XXXX accounts in particular that only appear on Experian tradelines. These creditors or debt collectors have not complied with the FDCPA and Experian keeps falsely reporting these items as verified items. Today, I spoke with CS Rep. XXXX XXXX from XXXX XXXX XXXX. On the automated system, it reflects when I put in XXXX XXXX personal identifiers {$0.00} past due and {$0.00} balance. I spoke to XXXX and told her there is a open investigation concerning this account on Experian. She told me that the account was settled out. But when I asked for the date of settlement, she said there was a balance of {$2800.00}. XXXX. She was then asked if XXXX will be collecting on this balance, she replied, " XXXX XXXX XXXX is not collecting on debt but reserves the right to send it to collection. She will be sending in the mail to my mailing address any information concerning this false account.
I also spoke with XXXX in house recovery dept representative XXXX. I gave XXXX XXXX person identifiers and was told there was a open balance of {$250.00}. He was demanded to send all information concerning account in writing to my mailing address. He refused to do so, although I gave him XXXX XXXX personal identifiers. XXXX refuses to verify debt and EXPERIAN refuses my request to delete tradeline.
Also XXXX XXXX has cease in its collection efforts to collect on a XXXX Credit card that did not belong to me. I made a complaint to CFPB against XXXX XXXX XXXX who falsely filed a judgment and is only reporting their tradeline on EXPERIAN. Their response was unsatifactory and disputed.
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Company believes it acted appropriately as authorized by contract or law | They have repossessed our car and auctioned it off. We get many calls a day. They were sent a notice and still keep calling. Each time we talk they say they will keep calling till we pay. I am XXXX and on XXXX. We do not have enough to pay our regular bills.
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Company chooses not to provide a public response | My daughters account keeps on getting charged an overdraft fee on her account. They claim when Internet transaction is made it is not debit the day of the transaction. They also state that the merchant has up to XXXX days to submit there debit to get paid. The bank never puts a hold on the transaction and subsequently charges an overdraft fee. They also say that they ca n't tell me who the Internet transaction is from until it is completed. When I complained that XXXX was unauthorized to debit the account they took there time to investigate RIDICULOUS.
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Company chooses not to provide a public response | Experian.com offers {$1.00} credit report. Purchased on a mobile device, the XXXX day " trial '' terms and monthly subscription fees are hidden and true service costs are deceptive. XXXX days after signup, they have billed for a {$21.00} monthly credit watch subscription service. I called to dispute the service and the charges and was refunded {$21.00}.
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Company disputes the facts presented in the complaint | I just bought a house in XX/XX/XXXX. My credit score was ran in XX/XX/XXXX my score was XXXX. When I went to get a car loan i was told someone recently reported a collection for {$400.00}. This was already on my credit score from XX/XX/XXXX this dropped my score down to XXXX. I was never made aware of this being recollected. I was never contacted to make a payment or asked to settle. I have made numerous attempts to call them and get the issue corrected or pay the balance but my calls go unanswered and unreturned. I have even attemtped to email and nothing has been done. Link Revenue Service has yet to call me back for settlement. Please take this off my credit report along with the bill fro medical placed for collections since they were bought out by Link revenue I ca n't pay them either. This is cauing serious issues for me financially.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | On XXXX XXXX I received a letter from a debt collection agency, RSI Enterprises XXXX Inc., located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX about a supposed debt owed to the XXXX. I do not owe any debt to the XXXX government and had never before received any information that any type of debt was owed. I have never been a resident of XXXX and only lived in XXXX while assigned to the XXXX in Virginia as a military member ( my state of residence was not XXXX and has never been XXXX ). I also do not own any real estate in XXXX.
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Company chooses not to provide a public response | Upon advise of the B of A branch # XXXX manager I closed XXXX very old accounts. My checking and my savings account. I did this to prevent anyone from depositing money into my accounts and thereby creating a legal difficulty for me. After waiting the required amount of time I informed a person that I was returning her check and refusing to accept any partial payment. That person went to the XXXX XXXX, Ca. branch of B of A and attempted to deposit a check into my closed account as evidence on the deposit receipt. That person then managed to convince the teller that she had legitimate business and the teller found my new account information and allowed her to deposit the check as evidenced by the deposit receipt. When that persons cashed check is processed by her Bank all of my new account number will be available to her. Bank of America tells me that they can not guarantee that this will not happen again. My only recourse is to close all of my B of A accounts.
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Company chooses not to provide a public response | I have requested multiple time that my mortgage servicer create an escrow account for me. I have provided all of the information they need both by email and by fax. Every time I call, I have to hold for a minimum of XXXX minutes and more typically XXXX minutes before I ever speak to a human. Then, when a human does finally answer, I often get mysteriously disconnected despite calling from a landline that I NEVER have issues with otherwise.
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Company believes it acted appropriately as authorized by contract or law | I purchased a stereo from XXXX XXXX back in XXXX 2014. I paid for the stereo in full. A month ago a collection company contacts me stating I owe {$3000.00}? I do not owe this company any more money. This is fraud.
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Company chooses not to provide a public response | Experian refuses to delete an account that was supposed to be deleted in XXXX 2015. I have disputed and provided them their own records and they still wont delete it. Attached is proof from my XXXX report and how the info changed on my XXXX report.
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Company chooses not to provide a public response | CHEXSYSTEMS IS REPORTING A ACCOUNT FROM A DEBT COLLECTER ( XXXX ) .THAT FILE HAS BEEN DISPUTED AND CLOSED, WITH XXXX. XXXX IS NO LONGER, AND THE OTHER XXXX COMPANIES, XXXX XXXX SYSTEMS AND XXXX CALLERS XXXX DOES NOT HAVE IT ALSO. THEY DO NOT SHOW IT BY MY ACCOUNT NUMBER OR MY SOCIAL SECURITY NUMBER. I AM TRYING TO HAVE IT REMOVED, SO I CAN JOIN A CREDIT UNION.THIS SHOWED UP AT THE CREDIT UNION.ON BEHALF OF CHEXSYSTEM.
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Company chooses not to provide a public response | I have a case number Case number : XXXX received a letter from XXXX, XXXX FILE # XXXX, Date XXXX XXXX, 2015 saying that my settlement amount is {$69000.00} and i have time to respond till XXXX XXXX, 2015. I called the XXXX and they told me that Citibank closed my file with them and they will contact citibank. At the same time, they told me that the settlement amount is {$660.00}. so even the letter shows more money that I need to pay. I am not sure why all these conflict of information.
My question, why citibank closed the file with them if I have time till XXXX XXXX, to reply. I called to pay the settlement amount and finish with this issue. Citibank did not inform me of any thing and they are just working with the XXXX without letting me know where I should pay.
Can you please, help me because this letter shows that I should talk to XXXX if i need help.
I need to know why CItibank closed my file with XXXX without letting me know where to pay.
thank you for your time and help.
XXXX XXXX XXXX
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Company chooses not to provide a public response | Home Depot pushed their credit card on me when I bought a refrigerator from them, stating that it would be interest-free for six months. By the end of that introductory period, I had paid the initial charge of {$2400.00} down to a remaining balance of {$340.00}. On that statement, I was charged {$130.00} in interest. When I called home depot to inquire about it, I was told that it was interest-free for first XXXX months but after that interest would be charged on the entire initial amount of {$2400.00}. In other words, they were forcing me to pay interest on approx {$2100.00} that I had previously paid off before the end of the introductory offer. I can not believe that this is legal and think Home Depot is fleecing their customers. Please advise if this practice is in fact legal and what I can do about it. Thanks
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Company believes complaint is the result of an isolated error | I applied to refinance my home in GA with XXXX mortgage loans. I was sent a good faith estimate from XXXX XXXX and other documents for the refinance and told that our closing costs would only be {$1000.00} due to a credit they were giving us. I actually re-affirmed this with the loan officer via email and he confirmed we 'd only have to pay {$1000.00} out of pocket. Our documents were submitted for underwriting and we were told everything went through fine by the loan processor XXXX XXXX. Then all of a sudden some other person named XXXX XXXX started contacting us from their retention department. They said we could no longer receive the credit and would need to have a total of {$2800.00} in closing cost. All of this was done over the phone. No reason was given for this increase. He said our loan officer made mistakes. He could not tell me what the mistakes were. I asked to speak to his supervisor and received a call from a XXXX XXXX ( sp? ). He could not tell me what mistakes were made either just that the closing cost were now {$2800.00} and they could not give us the promised credit. I feel this was a switch and bait tactic used to try and scam us out of {$2800.00} by presenting this information at closing time. I have emails of all conversations with the original loan officer clearly stating we would be given a credit for closing costs.
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Company believes complaint is the result of an isolated error | I made an online payment to mortgage on XXXX/XXXX/15. I then received a payment confirmation stating that " payment was received '' I received a call from mortgage on XXXX/XXXX/15 saying that they were accessing a late fee and check bounce fee. I explained about my confirmation e-mail and they said that the reason no payment was made was because an incorrect acct # was entered. If that is correct then why did I receive a " payment accepted '' confirmation e-mail. Sufficient funds were also in the bank so there never was a bounced check. Not only are they assessing these fees but are also charging me a {$15.00} fee to make payment over the phone after the fact. I feel as if they are ripping me off on purpose.
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Company chooses not to provide a public response | In the past 7 years I have been submitting the same paperwork in order to get a modification and an assumption. I have been thru XXXX employees and now im in foreclosure, however, I just got a notice that there are documents I need for the assumption,,, But I got served with foreclosure paperwork, I am a veteran and they have ignored my certificate of eligibility to make it a guaranteed va mortgage,, I do n't know what to do, but I plan to protest at their headquarters to get my message across
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Company chooses not to provide a public response | Experian, I express concern how supervisor was rule, disrespectful, hing up, and over talk you on the phone. They disregard chapter ( XXXX ) bankruptcy. Experain continue to report my credit the same way like the bankruptcy does no matter. The supervisor was rule to I asked to be transfer to the department the handle bankruptcy he no me know I state that they sensitivity training, some comments to me was offensive. Then turn hung up the phone, XXXX, only put file to be trainfer to his phone. The n also sending me a bias letters in the mail. Experain is have cause me to not have access to credit also to pay high interest rate. They disregard my bankruptcy also reporting in formation over ten year old.
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Company believes it acted appropriately as authorized by contract or law | Our mortgage company Select Portfolio Servicing has been flat out lying to us about our modification application. They were encouraging at XXXX when we began struggling with our payment due to loss of income and employment, but as we try to go through the process with them they provide conflicting information, tell us that all documents are in and that we are going to underwriting for a decision. After 3 weeks with no contact we call them and are told there was no review done because they never got out paperwork. This has gone on for months and is very frustrating. Our current mortgage payment is close to half of our current income and we know that there are government programs to help people like us. Why is SPS giving us such a runaround?
My husband has worked as a XXXX forXXXX years. I have run a XXXX business for the last XXXX years but in XX/XX/2013 I lost several of my clients due to the bad economy -- their parents could no longer afford the service. This coincided with XXXX losing hours at his job. This put us in a bad situation. We also have taken in foster children periodically over the past 9 years, which helped supplement our income. Unfortunately we had a very bad experience with the last foster child we took in and it was so heartbreaking we are not taking on any new kids.
After falling a couple of months behind on the payment we were told by SPS that they would review our application for modification assistance. After sending the package in there was no communication for several weeks. When I called in I was told that the paperwork had been lost and needed to be re-sent. I sent the paperwork again and when I called to follow up the agent deflected the conversation into a collection call, demanding to know when we would make a payment. We then began getting correspondence to try and get us to agree to a short sale or deed in lieu of foreclosure, even though SPS had never even opened a review for options to save our home that was actually built by my husband 's uncle! On a recent call we were told that everything that was needed for the review was in and that the file was going to an underwriter for a decision. We waited a few weeks and called back in to find out what the decision was, and were told that SPS did not have our paperwork so no review could be conducted.
We have gone through a tough stretch here, but have done everything we can to comply with the bank 's requests for financial information. Not only that, but I have taken a job working at XXXX to supplement XXXX XXXX income. I do n't understand why SPS treats their customers so poorly -- we are scraping every bit we can to make sure bills are paid and I am training to be a supervisor at XXXX and working as many hours as they will allow so that we can resolve all of these issues with SPS. We know that there are government programs designed to assist people like us, and we know that we fit into these program guidelines. What we do n't know is why SPS is giving us such a hard time and not allowing us to access these programs.
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Company believes it acted appropriately as authorized by contract or law | XX/XX/XXXX, I filed a complaint against the NJ Higher Education Assistance Authority with the CFBP for the failure of their collection firm " The Law Office Of XXXX XXXX '' to supply me with any type of receipt of payment. I also believed at the time, that the amount being reported to the credit agencies was incorrect, due to the fact that it differed from the amount being paid to the firm each month. The State looked into it. and wrote out a sufficient response that detailed the current amount owed, as well as receipts of payment which were satisfactory. However today I logged onto my credit report, and see that " The NJ Office of Student Affairs '' when conducting the report, incorrectly initiated a " Hard Pull '' in order to get the information, which dropped my credit score XXXX points, rather than the required " Soft Pull '' as they did not advise me or ask for my permission to run the " Hard Pull '', which I would not have given them permission to do. The " Hard Pull '' was conducted on XX/XX/XXXX. With the Credit Reporting Bureau " XXXX '' and according to the report will not be removed from my record until XX/XX/XXXX. This " Hard Pull '' was conducted illegally, and thoughtlessly in regards to the impact it would have on my credit score. I demand that the pull be removed immediately from my record by the " The NJ Office of Student Affairs '' and that an apology be written for causing my score to drop.
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Company chooses not to provide a public response | 30 days late assesd to account ( car was refinanced ] XXXX/XXXX/15 ccheck XXXX check XXXX payment XXXX file closed
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Company believes it acted appropriately as authorized by contract or law | Received a loan from CashCall. Was given a {$1500.00} loan and now the interest rate is 129 %. CashCall is trying to collect an additional {$4100.00}. This company 's policies are horrible and they are taking advantage of people during difficult times. The distress that I have been under since dealing with this company has been unimaginable. I do not know how this can be legally allowed. Please help.
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Company believes it acted appropriately as authorized by contract or law | I get harnessing calls from Sallie Mae any time of the day or night on weekend, Sunday all day. I am a XXXX treatment patient currently and I explained this to them. I know i owe this debt. I give them what I can afford and they still state they want more. My co signer is my XXXX Dad who did n't know that i would have went through such medical problems. I XXXX in XX/XX/XXXX and in XX/XX/XXXX diagnosed with XXXX XXXX. I am paying this bill of {$30.00} a month of what I can afford out of {$180.00} a month check. I just want them to set up a payment plan of {$30.00} a month something I can afford and stop calling and telling me I can pay more. Today i spoke to XXXX XXXX, floor supervisor XXXX XXXX. Sallie Mae knows all the people that I have spoke with to come to some type of agreement of this matter.
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Company believes it acted appropriately as authorized by contract or law | JEFFCAPSYS keeps reporting that I owe XXXX dollars and I dont. They keep showing that I pay for one month then show that I dont pay for several months. This is a lie. I know nothing of this account.
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Company chooses not to provide a public response | I do not recognize this account this account has been opened as a result of my identity being stolen it needs to be removed asap
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Company believes it acted appropriately as authorized by contract or law | I have asked the company XXXX to not call me at work and to communicate with me In writing and they 're still calling me at work.
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Company believes it acted appropriately as authorized by contract or law | Regarding a letter dated XXXX XXXX, 2015 with the notation of C & W account # XXXX. Because I do not believe I owe what you say I owe I am requesting complete validation of this alleged debt as noted on the collection notice with account number XXXX. Furthermore, this is the first I have heard from you or anyone regarding this alleged matter. Therefore in accordance with the Fair Debt Collection Practices Act, I require all documentation regarding this alleged debt. Including all documents showing an agreement to pay, how interest was calculated, documents bearing my signature, an accounting of payments made, and proof that I have a obligation to pay XXXX XXXX XXXX. If this debt was purchased, I require full documentation of the purchase of this alleged debt.
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Company chooses not to provide a public response | The branch manager at Bank of America in XXXX XXXX is in desperate need of XXXX followed by retraining as to her obligations as a manager, fiduciary representative and customer service provider. XXXX the branch manager not only lacks basic mediation skills that are required of such a position but also the knowledge to adequately perform her duties. She was rude, uncouthed and seemed to be uneducated in basic fiduciary duties. A seemingly simple transaction turned into a 5 day hassle with XXXX roundtrip visits to the actual branch and 3+ hours additionally in telephone transactions. In all of this may i add she never bothered to return a single phone call or respond to the XXXX meshes i left her. In the end, my actions on good faith were of no consequence causing only frustration, financial expense, a XXXX hold of my funds AND she got a new account out of me! The attempt to validate my less than satisfactory experience with Bank of America on XXXX XXXX, XXXX XXXX, CA. left me only MORE disgruntled. These people obviously care less than an iota for the people they claim they aim to serve.
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Company chooses not to provide a public response | My daughter attended XXXX in XXXX, NC. upon her graduation she immediately began getting a call from Citi , Corp. She assumed it was fro a credit card that she had gotten when she first attended college and told them that she dd not have a student loan with Citi . I was immediately contacted and told to pay the loan. I told them my daughter did not have any private student loans and I had not co-signed for any student loan other than completing her FAFSA. They immediately began telling me that I needed to pay the loan or they would have my daughter investigated for fraud and imprisoned. I requested confirmation that I had signed for this loan and was refused on the grounds that " it was not my loan ''. I contacted her school and was told that they had no documentation of this loan or a disbursement to my daughter. Shortly after the loan was placed on my credit report and my score dropped significantly. I was contacted again at my place of employment and when I asked how they obtained my work number, the CSR told me they were a credit issuing company and they could obtain any financial and employment information out about anyone. I again asked for verification that I signed the loan and was refused. I also asked that the loan be deferred since I was a full-time student and was told " not possible since the loan was not mine '' so I asked that it be removed from my credit report and the request was also refused with the CSR saying they could always have my daughter investigated fro fraud and imprisoned if XXXX of us did not pay. Finally after they defaulted the loan on my credit report and refused to send me any documentation, I contacted them about repayment. They told me they would be glad to send me the documentation once the loan was paid. I paid the loan in full and later received a XXXX page loan application that contained neither a signature for myself or my daughter. Instead, the signature line for both has typed " signed electronically ''. The School Certification section is completely blank except fot the school ID code and there are no signatures from any school official on the application, or any other information form the university. Additionally, the original loan request was for {$10000.00}, which far exceeded what it would have cost my daughter to attend this public university as she was a commuter and stayed with family members and at that time they " issued '' this loan, my annual salary was only {$30000.00} so there was no way I could have afforded a {$10000.00} loan. My daughter also received FAFSA and XXXX during this time and a scholarship through my place of employment so this loan would have been completely unnecessary.
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Company chooses not to provide a public response | I do not recognize this bankcard? This account was a result of identity theft and needs to be removed immediately
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Company chooses not to provide a public response | Judgments filed and reported while on XXXX.
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Company chooses not to provide a public response | I got my XXXX call around XXXX XXXX. I was up so answered it. I told the lady she had the wrong person. Now every weekday, I receive a call anywhere from XXXX. to XXXX. I have had at least XXXX of them. I have not received any written mail from this company. When I try to call back I am asked to give a case number that I do n't have, and then can not get to talk to anyone.
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Company chooses not to provide a public response | Complaint against XXXX XXXX and Bank of America : My bank today took money off my credit card after placing it back when they received original complaint from against XXXX.
Per the Bank it found no reason to take money from XXXX. Most important I was told I missed the XXXX closing date. No one said there was XXXX! Per Bank their investigator saw in XXXX materials that a refund can be given on the sleeping car portion that I asked for BUT XXXX said " I elected to take a voucher '' No I did not. If I had not been calling the Bank how would I have know of this? Bank sent me copy of XXXX first response XXXX page of its XXXX pages sent. I have no idea what there full response was therefore I could not respond to it. Bank said that 's it. Bank has my mortgage, credit card. I guess I have to continue the fight and think about separating from the Bank. When I asked for XXXX number I was given the computer ticket lady. What can your Agency do?
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Company chooses not to provide a public response | I disputed XXXX XXXX XXXX account number XXXX to Experian. On XX/XX/XXXX I was foreclosed and the property was re-disposed back to the lender. The judge said I was no longer attached or responsible for the mortgage anymore. The Independent Foreclosure Review found XXXX XXXX XXXX for improper foreclosure practices. They wrongfully turned down a modification. XXXX was in connection with an enforcement action related to deficient mortgage servicing and foreclosure processes. Now is XXXX XXXX XXXX. Now XXXX XXXX the Florida Attorney General and the Consumer Financial Protection Bureau have reached a settlement with XXXX. XXXX is operated by XXXX in which was found guilty of mortgage fraud. XXXX XXXX XXXX is trying to collect a mortgage I do not own. I disputed this claim to XXXX and XXXX and they deleted it from my credit report no questions asked. Experian only deleted the foreclosure but not XXXX XXXX XXXX account XXXX. This was about three years ago. Experian back then told me it would be deleted XX/XX/XXXX which is 7 years. Now I called Experian and now they tell me it can not be deleted only to be moved from a negative account to good standing account which the account becomes positive. I explained to XXXX why is this staying on my credit report file if I do n't own it and the other credit bureaus deleted it 4 years ago. Also I mention to him the statue of limitations is 5 years in the State of Florida to collect a debt which is way pass its time. Again, he could not answer me. His final words to me ; The XXXX XXXX XXXX account XXXX is going to a positive status between XX/XX/XXXX to XX/XX/XXXX. It will stay positive in good standing section and deleted from the negative section. He said they can not Re-Aging the account, its illegal. If they do it will be deleted automatic. Right now they need to closed the account for it to be completely deleted other wise it stays on in good standing. He suggest I contact a lawyer. Please reinvestigate this matter and delete the disputed item as soon as possible. Thank you for your time ....
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Company chooses not to provide a public response | I paid my bill in full for {$240.00} to XXXX XXXX XXXX/XXXX/XXXX. In XXXX XXXX and XXXX XXXX I was informed by XXXX XXXX Collections that the bill was not paid. I called the original creditor and XXXX XXXX XXXX alerting both to the fact that this bill was paid in full and should not be in collections. XXXX XXXX concurred that the bill was paid in full and that they would contact the collection agency and make a correction as my account was closed and no outstanding debt remained. In the interim my credit watch services continued to in form me of no change in my delinquent status. I was put in contact with Experian and disputed the false information. I informed Experian that I had a copy of the original bill and proof of payment via credit card on XXXX/XXXX/XXXX. I requested to send the latter proof to Experian but they advised me that the dispute was with XXXX XXXX who they would contact and sending this information would not be essential or helpful ( in retrospect very poor advice ). I received via mail from Experian a summary of their so called investigation which just stated that this is my debt and the outstanding amount would be on my file until XXXX. I have subsequently called with Gold Coast Collections again and told that they were not aware of a dispute and they would initiate an investigation XXXX/XXXX/XXXX ; I must add they were very rude condescending and made intimations suggesting that I must be lying and their information was always correct. On XXXX/XXXX/XXXX I also contacted XXXX billing via phone they confirmed that their was no outstanding bill ( again!!! ) and according to their records my previous calls were documented as " hang up calls '', hence the error was not previously corrected with the collection agency although I owed them nothing. I again requested that the correction be made immediately and was reassured that this would be done.
Needless to say I received no further information from Experian, XXXX XXXX or XXXX XXXX Collections. My credit score has plummetted from XXXX to XXXX do to the lack of action of all XXXX who have all the power to wreck my credit by false reporting and failure to correct the obvious errors. I need my credit restored to its original near perfect status but the consumer is held hostage in my case and I am sure this represents false reporting and unfair trade practices. I am not able to afford a lawyer at this time to insist on these corrections but may not be able to do without one. This should not be allowed to happen and both the origin creditor and collection agency are liable and should be subject to serious fines and monitoring for unfair and malicious practices.
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Company chooses not to provide a public response | I went down to best buy XXXX of 2014 and purchased a laptop where I was putting it on my best buy credit card that I currently had with them. When I purchased it they asked If I wanted to put it on my Best Buy credit card and I said Yes. So the purchase was made and I had automatic payments set up so that it would be paid off in a couple of months. XXXX XXXX to XXXX XXXX I received a letter in the mail from best buy stating that I have not made any payments to the credit card and they hit me with multiple late fees. I tried to explain to them that how is it possible to have more than XXXX credit card with them through best buy and that I purchased it knowing that it would go on the current credit card that I had with them. I asked them to remove the late fees and I just paid it off. Best Buy would not remove the late fees or would they remove it from my credit. Due to this error my credit score has declined and now it is hindering me from getting any loans or any type of credit. They said they understand my point but would do nothing to resolve it. If I knew that they were going to open a separate card I would have declined it. I just want it removed from my credit, It has all been paid off and I just want it gone from my history because it was not my fault that this happened but I have not had any help in this matter.
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Company believes it acted appropriately as authorized by contract or law | I had a credit card with USAA bank and defaulted on the card. I called USAA bank to settle and they told me that I cant because they wrote it off as bad debt and they sent me a XXXX back in 2013. They sent it to an old address.I requested a copy but they still are reporting a balance on all XXXX credit bureaus.
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Company believes it acted appropriately as authorized by contract or law | I submitted a loss mitigation package to attorneys for servicer SPS. On XX/XX/XXXX, I received the denial letter dated XX/XX/XXXX, from SPS 's attorneys. It was XXXX months late, it had an incorrect NPV gross monthly income amount and incorrectly denied HAMP Tier 2 eligibility. On XX/XX/XXXX, I sent SPS 's attorneys a notice of appeal consisting of an explanatory letter and XXXX spreadsheets showing my waterfall calculations. By letter dated XX/XX/XXXX, SPS denied the appeal claiming I had provided no documentation and it was past the 30 day appeal deadline. I responded by letter dated XX/XX/XXXX. All cited letters are attached herein.
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Company chooses not to provide a public response | My husband and I lived at this apartment complex for one year. We were provided a move out amount which we paid in full and had a walk through during which there were no damages pointed out. Months after moving out of the complex, the complex claimed there were damages and that we owed more in rent because they provided the incorrect amount earlier. I tried to reach the property manager several times to discuss these charges but they never answered my calls/emails. Months after this, they sent my account to collections. I provided the collections agency with the inventory list that I was provided when I moved out and proof that we paid the full amount we owed on the account when we moved. They contacted the apartment complex about the dispute and they simply stated that we owe more and they are refusing to erase this debt despite the proof I have presented. They also refuse to provide any visual proof or inventory list of the damages.
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Company believes it acted appropriately as authorized by contract or law | XX/XX/XXXX I had a XXXX XXXX XXXX that was totaled in a head on collision that almost cost me my life. I had full coverage insurance I was under the impression that it was fully covered, it has been almost 19 years and my wages have begun getting garnished at 25 % a pay period it comes out to aproximatly {$600.00} a month, it has put me in sever finacial hardship as I am a newly single mother currently going through a divorce. The debt is registered in the state of XXXX and I have lived in XXXX for the past 8 years. I was unaware that I owed the debt, but apparently there was a judgement against me. I received a notice 2 days before my pay date of when my wages were to be garnished I had no time to fight it and before I knew it I was unable to pay all my bills. The agency ( Nelson & Kennard Attorney at Law in XXXX, XXXX ) I delt with constantly passed me off to a new person over and over and treated me as though I personally defiled them and I was XXXX of the earth and gave me several wrong numbers of whom I was supposed to speak with that lead me no where. The accured interest is double the amount of the debt.
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Company believes it acted appropriately as authorized by contract or law | Where do I start. We just recently purchased a home and used Southern Alliance for our lender. We agreed on a certain loan amount and was assured countless times we would pay nothing out of pocket. We consistently asked for a good faith estimate and it was never provided until AFTER we received our closing documents which were incorrect.
We worked with XXXX XXXX for over a month and he assured us over and over that we would have to pay nothing out of pocket even when our house sold for less money. It is our opinion that the XXXX XXXX was incompetent in doing his job because he would never respond. When we got to closing on Thursday, the closing documents said we owed {$1400.00} out of pocket. When we called the lender, XXXX acted like he did n't know what was going on. It was super stressful since we had a deadline to get out of the house that we just sold. He adjusted the paperwork and resent it. The resent paperwork was incorrect and said we were going to owe money out of pocket again. Our realtor noticed that he made mistakes with the numbers on the paperwork as well! He had the property tax incorrect and the home warranty incorrect. We wasted all day Thursday because he could not get the paperwork right. He refused to eat the cost over his mistake and made us pay for it. We had no choice to go with it because we were backed into a corner and would have been homeless. We were supposed to move from our old house on Friday, but instead we did not close until Friday afternoon. So now, we have an extra {$1400.00} on our loan that we could not afford because of his mistake. We had to cancel movers and move them to Saturday which we had to pay premium. We had to rent a XXXX because we only had 2 days to move out of our old house instead of XXXX due to this guys mistake. We wasted a lot of mileage, gas and tolls going there on Thursday when the paperwork was incorrect. We had to take off an extra day of work that we did n't have because he made us lose a day of moving. I wish we would have went with another lender because now we are paying over budget due to this guys HUGE mistake.
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Company chooses not to provide a public response | On XXXX/XXXX/2015 my bank card was lost and someone began using my card right away, making purchases that I did not authorize. I immediately contacted US bank and informed them of what was occurring. While on the phone with the representative I identified transactions that occurred throughout the day of " my '' spending. The representative then identified transactions that he say occurred and I was able to inform him of transactions that I did and did not make. He stopped the card and while on the phone he indicated that he could see transactions occurring that where coming back as declined. Before we ended our conversation I learned that XXXX of the transactions was reversed for some reason, ( I later learned from the store that the individual that was trying to make the purchase with my card ran out the store when asked for my signature, the manager of the store was able to show me the receipt ). I have been monitoring my account and did not see anything else reversed on my account nor money added. I received a letter in the mail a few weeks ago indicating that the investigation was complete and that they were charging my account for some of the purchases that I had already made and initially told the representative that I had made. Also the purchases that I did n't make I was being told that they were authorized and would be charged back for them as well. I began calling US bank for several days requesting to speak with the agent that handled my claim only to speak with their voicemail. I have provided XXXX different numbers to be contacted at and as of today I have still not received a call from the agent.
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Company chooses not to provide a public response | I had XXXX rental properties trying to save them I filed a XX/XX/XXXXbkpt & XX/XX/XXXXbkpt to try to save my houses. I did not go through with either XXXX of them I paid {$150.00} for each bkpt the house in XX/XX/XXXX I lost the house & it went into foreclosure the attorney never showed up in court he took my money & run. I GOT HIM XXXX. In XX/XX/XXXX the house that has been going on for about 6 years I decided to claim bkpt again to try do a loan modification keep the house. I under stand that when you claim bkpt & you go thru with the program it goes on your credit report & I agree with that. But if you do not go through with it & it is dismissed I think it is a little bit of discrimination when you do not go through with it. That is my opinion.
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Company believes it acted appropriately as authorized by contract or law | Years ago when they first harassed me about this issue I asked them to send me the application form where I signed that I understood that I would be charged extra for any pet damages since I had already paid additional every month to have my pet ( that would have been covered for damages ) Also, I wanted photos of the damages because the property manager had told me no one would be available for a walk through with me when I left the apartment so this whole thing seems like a scam to me to get money. They never contacted me again after I requested this information.
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Company chooses not to provide a public response | Disputed several accounts with credit bureaus over 60 days ago, still have yet to receive XXXX letter from them.
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Company chooses not to provide a public response | US BANK made a cash bonus offer via e-mail for switching to US Bank checking. The letter said if I open an account with them by XXXX XXXX 2014, I will get a cash bonus of {$200.00}. I had satisfied all the criteria including making a direct deposit arrangement for this account and opened an account online using the offer code XXXX. But it has been more than 7 months and I have not received my cash offer. Moreover, US Bank just this month closed my account because they are intellectually incapable of serving me as a customer. I do not bank with them anymore anyway but I want my cash bonus offer of {$200.00} paid to me.
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Company disputes the facts presented in the complaint | On XXXX XXXX 2015 I sent Quality Asset Recovery a letter asking them to VALIDATE not VERIFY the debt they are attempting to collect from me. They have also reported this debt to the XXXX credit bureaus without my consent or awareness. I am very upset that they have tarnished my credit with this outrageous claim that I owe them any money at all. They have prevented me from obtaining any future credit and all attempts to communicate with there very rude representatives over the phone have gone no where. They have violated my rights under the Fair Credit Reporting Act and have not even followed the Fair Debt Collection Practice Act which states they have to to stop all collection activity while the debt is being investigated and disputed. They have blatantly ignored my letter to them which I have attached as proof.
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Company chooses not to provide a public response | On XXXX XXXX, I went to the Experian website to remove a freeze that I had previously placed on my credit report after XXXX got hacked. The number associated with that freeze is XXXX. I entered my debit card info for the {$10.00} charge to remove a freeze. Experian then charged my account XXXX separate times at {$10.00} each. I have been unable to get a response via phone ( interminable hold for an agent ) or via [email protected].
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Company believes it acted appropriately as authorized by contract or law | this began when XXXX told me the only way they could modify my mortgage was for me to be behind on my pymnts. This was back in XXXX. The loan person said that if I would miss XXXX payments, then I could apply for a modification, and they would then be able to help me.. But as long as I was current, they could not modify my loan. So, i missed the XXXX payments they told me to, and applied for the modification. I did everything they told me to do,, The paperwork was incredible,, and I have submitted XXXX times,, re- submitted,, re-supplied " lost documents '' to them,, they have given me nothing but a complete run around. Now, as of XXXX XXXX, they transferred me to SPS..I was assured by SPS that they would get the modification done quickly and effectively,, and they apologized about what XXXX had put us through,. Ok, It is no different with SPS.. they have asked over and over again for the same documentation,, and I have provided it. The only thing I can say is that SPS allows me to submit via e mail,, and that helps a lot,, it also gives me proof that they received the documents. It is much better than faxing over and over again. So, the amount of money they say I am behind is incorrect. The payment when it was with XXXX was figured wrong for about XXXX months, becuase XXXX messed up my escrow analysis. XXXX wrote me in XXXX of XXXX telling me finally, that they had messed up my payment amt,, and that I was correct, and that my payment was not {$1500.00} per mo,, but it was {$1000.00} per mo,, then,, they transferred it to SPS,, and sps is using the incorrect amt of {$1500.00} too.. Even thought hey can clearly see my statements from XXXX,,, and even the sps statements show the XXXX amt.. ok,, it has now been XXXX months with no modification. PLease help me.. This has ruined my credit,, I was at a XXXX credit score when this began,, the hardship lasted XXXX year,, we can make normal payments,, my credit score has gone down to XXXX because of this XXXX.. and clear violation of my rights. They are running rough-shod all over me,, and no one will listen.. We are good people.. I am not leaving my home,, my mom XXXX in this house,, I raised my XXXX boys in our house,, I just want a modification.. Now, they say that they need XXXX more months of bank statements. that the last batch I sent them, the underwriters could not decipher the income on the deposits.. even thought the deposit amounts match the XXXX income statements exactly. We are XXXX employed, ,have been for XXXX years.. have good income,, all our tax returns are in order, ,they have them all,, This is our primary home,, I am begging for you to help me, XXXX My files on XXXX and SPS are over XXXX " thick XXXX. I have kept all correspondence.. they have not filed foreclosure ... .they are asking me if we have a copy of the note,, they can not find it.
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Company chooses not to provide a public response | 1. XX/XX/2015 (? ) I cancelled autopay for XX/XX/2015 and then asked about late fee and I was told there was a 13-day grace period before late fees would be posted. Rep 's actions and info had me breathe a sigh of relief and asked to speak with his supvsr to give him a compliment.
2. XX/XX/2015 : Autopay went thru anyway. I called again rep stated that autopay had been cancelled but had not posted on their system yet so if it did not show a reversal on XXXX to call back on XX/XX/2015.
3. XX/XX/2015 : Called, explained the entire situation AGAIN and this time was told could not reversed because it would put my acct into late status ( regardless of 13 day grace period ). Asked for supervisor and rep was on hold too too long attempting to get a supvsr, ( acc to bank policy ) and she would have to end the call. I was not allowed to hold any longer.
4. Called again and THIS time I was told the cancellation had to have been two business days prior to scheduled autopay for it to be effective Spoke to supervisor who told me nothing could be done. Asked for HER supvsr and was told there was no one else who could help me.
I was ( am ) having financial difficulties as it is, and NOW my checking acct with a different bank is overdrawn and will have to pay approximately XXXX in overdraft fees!
AND prior to this, on XX/XX/2015 ( I think ) I was taking care of a pymt and when asked to verify my address they had an address in a city and state where I have never been in my life. They said they made the correction but just in case I called again and they still had the wrong address. So far now, I think, my address is correct again. I am still waiting for an answer as to how and why this happened. Because of the wrong address, I did not receive a stmt and the reason I had to cancel the autopay to begin with.
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Company can't verify or dispute the facts in the complaint | This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
THIS IS NOT MY DEBT!
I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
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Company chooses not to provide a public response | On XXXX XXXX, 2015 I received a notice form Bank of America stating that my mortagage would be increasing from XXXX to XXXX. There was an increase {$4.00} due to a tax increase. The remainder of the increase is stated as a shortage payment of XXXX per month and a reserve requirement of XXXX. When I called and asked why my payment was increasing, I was told there was a shortage in a reimbursement from changing insurance companies. I did change in XXXX of last year. I had to file a complaint against XXXX in order to receive my escrow payment back from them. I sent the escrow payment ( myslef ) to BOA. Which they received in XXXX. Since then I have been receiving paperwork from BAO regarding my house payment being late and advising that I file for bankruptcy ( Case number : XXXX ). Now this. BOA can not give me a succinct reason why my payment is increasing. They paid extra money to the insurance company because the received a request for payment ( they paid a total of {$1800.00}, but they ca n't state why. My insurance is XXXX per year. Then they sent me a refund of {$290.00} which I said I did not want and they said I had to cash the check. Now they say my escrow is negative Just that I have to pay the increased amount.
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Company can't verify or dispute the facts in the complaint | I received phone calls from ACS collection agency around XXXX of XXXX regarding a medical debt that did not belong to me back from XXXX of XXXX. I tried to explain the situation at the time and was threatened with legal action. I called the hospital the charge was from and spoke with billing where it was discovered I had the same name as the individual whom the charge belonged but different birthdays and social security numbers. As well as the fact I have never been to that facility and was in XXXX when the charge occurred. I was assured the situation was resolved and I never heard from the collection agency or medical facility again. On XXXX XXXX, XXXX I discovered on my credit report a medical charge filed by ACS Collection agency for the same medical expense that was supposed to have been resolved when I called them in XXXX of XXXX. The charged was filed with the credit reporting company on XXXX XXXX, XXXX. This charge does not belong to me and I was told the issue was resolved.
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Company believes it acted appropriately as authorized by contract or law | The service provider stopped providing services and i put a complait against XXXX in Utah. They lured me into getting a loan from them but the service was not provided. i stopped making payment due to the lack of delivery of services.They keep on calling me and harrasing me. They also have put a derogatory mark on my credit reports and due to their mark my credit score has dropped
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Company chooses not to provide a public response | I bought some wine from a shop in XXXX, and B of A denied the charge because they " suspected fraud, '' and called us after the fact. It was a legitimate charge, and when told that with confirming information, they said they had released the hold. I told the vendor to re-submit, which they did, and it was denied again. It is embarrassing, unprofessional. and they should be criticized for it.
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Company believes it acted appropriately as authorized by contract or law | I had renters who paid rent through PayPal. When these XXXX moved out of my house, they called their banks and did fraudulent chargebacks to get their money back from Paypal. I can prove they did this and PayPal just let them do it after I showed PayPal all the evidence that I was a victim of fraud. PayPal told me I was responsible and is now sending me debt collection notices in the mail. I DO NOT owe this money. The XXXX who owe it are the boys who committed chargeback fraud through their banks.
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Company believes it acted appropriately as authorized by contract or law | I have an account with the Paypal service, the service works by allowing me to transfer money into an online account then pay for things online that accept Paypal payments. I have had this account for many years, and the way it always worked I had to wait for the bank to transfer the money into the Paypal account, it took between three and five days to complete my transfer of money, and if I did n't have the money in my paypal account I could not purchase anything with the account. I was using this account to pay for my phone bill with XXXX XXXX, I allowed XXXX XXXX to acces my Paypal to pay my bill monthly, I decided in XXXX of last year to stop the subscription on my XXXX XXXX phone, I attempted on line to cancel then went to my paypal and as a measure of insurance to cancel my Virgin subscription I made sure ther were insufficient funds in my account with Paypal. When a request came to my Paypal account from XXXX XXXX Paypal instead of refusing the payment since I had insufficient funds decided to go into my checking account without my permission and pay XXXX, and they did on the day they requested payment, I called Paypal and requested a copy of my authorization for Paypal to remove funds from my checking account without my direct or even my indirect consent, XXXX XXXX XXXX agreed toreturn XXXX of the XXXX payments that were made before I caught what they were doing, Paypal XXXX that there is no problem since they did not profit. I do not agree with their assessment that there is no problem, for XXXX this is a huge problem that they would give a company access to my checking account without my approval. for any reason, and that they not only transferred the money without my approval, but they did it in XXXX day, something they would n't do for me, and that Paypal even paid them when if I had put in a request for payment above my Paypal balance would be refused. I am so angry about their complete lack of respect for me as an individual and the courtesy they extend another company, even if they have to steal my money to make XXXX happy. I still have XXXX charge of {$44.00} that XXXX wo n't refund, and I think that Paypal not only owes me for that XXXX payment but I think there should be some form of punishment to Paypal for such an obvious overreach.
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Company chooses not to provide a public response | Since Ally Financial has taken over both my car loan and my husbands, we have had nothing but problems. When they took over for GMAC, I had no late fees on my account and then suddenlty with ALLY I continually have late fees. I have written them time and time again but to no avail. They now call all the time either for my husband and myself or just for my husband on my personal phone. I have sent them proof of payment any number of times but am continually harrassed with phone calls. They even attemped to have my car repossessed even though I had proof of payments. Now my husband has not received a statement from them since XXXX and now I am not receiving any statements for several months. Enough is enough. Almost every day I have to block their calls.
Some agency needs to take a look at these poor financial practices by Ally. We never had problems with GMAC. I am sure that with all the late fees they tack on, my credit will be hurt. When I send them proof of payment, they never acknowledge anything.
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Company disputes the facts presented in the complaint | A " Law Firm '' named XXXX has called me XXXX in XXXX minutes leaving multiple messages stating that I will be taken to court if i do not call them back today. The number was XXXX and the messages were left by XXXX XXXX. I called back, no mini miranda, no verification of who I was ... she alleged that I owe money to a company for a magazine subscription which is 100 % not true. She threatened that I am being taken to court and read me the last XXXX of my social security number. As a former collector, I know that if this is not a scam, which it totally is, this agency has violated the FDCPA.
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Company believes it acted appropriately as authorized by contract or law | I took out a payday loan from spotloan for 700 $ on XXXX. I received the money deposited into my account. I didnt keep the contract but I am pretty sure it was {$230.00} for six month. On the XX/XX/XXXX I made a XXXX dollar payment which was withdrawn from my checking account. I called late XXXX and said I cant make the XXXX payment. They said OK. They would add money on to my next XXXX payments and the payments would be XXXX. I got a letter as follows, which shows they are ok with payment plan.
Hi XXXX, I just want to remind you that your Spotloan payment of {$300.00} is scheduled for Thursday, XXXX XXXX 2015. Please let me know right away if you have any questions.
Spotfully, XXXXRelationship ManagerXXXXXXXXXXXX ext. XXXXIf you have any questions about your account, please email us at XXXXXXXXXXXX or call us at XXXX. If you would like to write us, you may contact us at : SpotloanXXXXXXXX XXXX, IL XXXX Spot loan withdrew money from my account on XXXX and XXXX for {$300.00}. On XXXX i received a letter from spot loan as follows.
Dear XXXX, We are writing to let you know that Spotloan is no longer operating in the state of Colorado. As a result, your account and payment history have been transferred to XXXX XXXX. You will continue with the payment schedule you agreed to when you accepted a Spotloan, but moving forward you will be making payments to XXXX XXXX.
If you have questions now or in the future, please reach out to XXXX XXXX at ( XXXX ) XXXX.
Thank you for being a Spotloan customer.
Sincerely, Spotloan Help TeamSo in XXXX XXXX financial tried to withdraw XXXX or something close to that and the funds were not available. I made a payment on XXXX for XXXX and XXXX for XXXX to make up for the XXXX to XXXX XXXX. I have not made a payment for XXXX and do not feel that I owe any more money. I was not give the opportunity to pay the loan off early after XXXX and easily paid XXXX the amount of money. XXXX XXXX claims that I owe an XXXX, XXXX and XXXX payment. I did contact both XXXX XXXX and spotloan which got me nowhere and was hung up on.
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Company chooses not to provide a public response | I contacted this agency because they are stating that I owe a balance on behalf of their client. The client ( XXXX XXXX XXXX XXXX ) went out of business. The hospital XXXX XXXX Hospital stated that they have nothing to do with Procollect and do not have a claim against me. I contacted the insurance company ( XXXX ) and they stated that they never received a claim for this alleged bill. I requested the name of the physician who has placed this bill in collections and Procollect would not provide that information. This company will not provide me with the original account information nor will they provide me with an account number. I believe that they are fraudulently trying to collect on old accounts that no longer exist. My name was previously XXXX and when I visited the hospital XXXX/XXXX/2015, I had full insurance through my employer who was XXXX at the time. I have never heard anything about this alleged bill or account until just recently.
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Company chooses not to provide a public response | After what I considered unfair treatment by XXXX, I had a credit card charge-off in XX/XX/2008. A few months ago, my wife was served papers for a lawsuit filed by a collection agency with my name and hers as defendants. More than six years had passed since the approximately {$7500.00} debt had been charged off, and now a debt collection agency in XXXX was suing me. I feel there are many problems with the suit, among them the amount of time since the charge-off, the fact that no attempt was made to contact me about paying the debt, my wife and I did not know each other at the time I incurred the debt and it was charged off, yet now she was named as a defendant, and I was never given the opportunity to 'have my day in court. ' I filed a response at the courthouse ( at a cost of almost {$300.00} XXXX, and was never granted the opportunity to plead my case. I heard from the law firm suing me that I lost and also that there was to be a hearing about garnishment, but all of these communications were sent ( I believe purposely ) to an incorrect address so that I would not receive them. Now my paycheck is being garnished, and I have never had the chance to speak in court. I do n't know what to do.
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Company believes it acted appropriately as authorized by contract or law | I have been receiving phone calls from this company for about a year at least XXXX or XXXX times a week. They just leave a recording. I do not owe anything to anyone so I have no idea why they keep calling me at all hours of the day. I would like them to stop calling me. Could you please contact them?
Thank you so much,
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Company disputes the facts presented in the complaint | They called after XXXX and left a message..
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Company chooses not to provide a public response | I am trying to remove my name from a home loan used by my ex wife for her business. I did not sign for this loan and have asked Bank of America to send me any document with my signature on the application process. I received XXXX documents from the bank ( 1 ) a power of attorney with my signature surrendering my interests to the house used for business as agreed upon in the divorce settlement. And ( 2 ) a loan document dated 5 days after my final divorce decree with my ex wife signing my name in reference to the aforementioned power of attorney. This power of attorney that I signed as agreed upon in the divorce stipulation simply surrenders all my claim to the property and has no stipulation for any past or future responsibility for the property.
It is my understanding that any contract which does not have my signature is null and void and can not be enforced. This is not what I am asking the bank to do. The loan is not in default and is current in the payment schedule because this is used for business by my ex wife. I am merely asking the bank to remove my name from the loan and credit report.
So far all I have received is requests for more time to do their investigation and I have been patiently waiting for a favorable resolution. But now they have shifted tactics and is making this an identity theft issue and requesting me for notarized statements and police reports. I submit that it is their lax loan approval process that lead to a loan being approved without proper signatures more than anything else.
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Company chooses not to provide a public response | I am Bank of America account holder who also has XXXX credit cards with Bank of America. I recently obtained a BankAmericard Cash Rewards card which was linked directly to my BoA online banking account. As I typically pay all my credit cards through the online system, I assumed this would be case with my cash rewards card. Not so. When I clicked on the 'make payment ' button, I was taken taken to the bill pay center but could not see my Cash rewards card listed with my other cards. There were no instructions on how to add a card. I 'd also signed up to ebilling but did not receive the bill through my email. As I was busy, I did not continue trying to figure it out until my payment was past due and was issued a {$25.00} late fee. I then called BankAmericard Cash Rewards card 800 number and the operator informed me that in order to register the card, I had to add Bank of America credit card as a company in the 'manage pay to accounts ' section. This is completely illogical. I am already in the Bank of America website and I am trying to pay them. There are no clear instructions on this page on how to do this and I do not believe a reasonable person would be able to determine that you had add Bank of America as a company in the bill pay center. Furthermore, I have XXXX existing credit cards with BoA that as far as I can remember did not ask me to do this. I also did not receive an ebill nor a written bill. This leads me to believe XXXX things. XXXX, this could be either be a deceptive practice by BankAmericard Cash Rewards to increase the likelihood of first time users incurring a fine because that can not easily determine how to make payment. Or XXXX, it could also just be very poor user experience design. Either way it is leading to unfair fees being levied on BoA customers.
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Company believes it acted appropriately as authorized by contract or law | I HAVE ALREADY SENT A NOTICE TO THESE PEOPLE TO STOP REPORTING THE ACCOUNT ON MY REPORT AND TO STOP HARASSING ME ABOUT SOMETHING THAT ISNT EVEN MINE NOW I HAVE SENT YET ANOTHER AND NOTHING HAS STOPPED.
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Company chooses not to provide a public response | My credit card company ( Citi ) contacted a person never added to or authorized on the account by phone. I did not authorize the person, or provide their phone number, to the company. They told me they accessed a 'government database ' to obtain this persons phone number. None of this was authorized by me at any time.
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Company chooses not to provide a public response | Disputed a late fee due to no mailed statement received in XXXX of 2015. In early XXXX I requested a statement on there web site so I could pay my bill, I did not receive XXXX by mail. The statement was received electronically which I was not aware of and do not remember setting such a thing up or did it by mistake. I paid my bill as soon as I found out it was late less the {$25.00} late fee which at that time I placed a call and asked that the fee be disputed. They have since attached XXXX additional late fees and have attached a credit report " black mark ''.
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Company chooses not to provide a public response | FOR SOME ODD REASON THIS COMPANY THINKS THAT THEY CAN IGNORE A PERSON AND HARASS THEM LIKE THERE IS NO TOMORROW. I HAVE ASKED EVERY TIME THAT THEY CALL AND TO DELETE FROM MY CREDIT REPORT BUT THEY HAVE CONTINUED TO DO BOTH.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | We had been paying on a debt through the Collection Center in XXXX, Wyoming. We had been having automatic withdrawels out of my husbands bank account XXXX a month to pay on this debt. In XXXX of XX/XX/XXXX my husband had to have surgery so the payment in XXXX was the last XXXX we had made. We did call and was working with an agent at the collection center named XXXX who was working with us and understood our situation and new that just as soon as my husband went back to work we would continue paying this debt. Today we discovered my husbands bank account was XXXX. We called the bank and they informed us that the collection agency had garnished not only the checking but also the savings account. Which is double the amount of what we owe the collection agency to satisfy the debt. We called the collection agency and they informed us that because we had n't made a payment since XXXX they had put the garnishment against us. We have recieved no current court documentation regarding any garnishments or intent to garnish and also informed us that the agent we were working with had quit last month so they just took it upon themselves to file the garnishment which they said they used a judgement served upon us back in XX/XX/XXXX. My husband and myself feel that this has to be illegal somehow. We do n't understand, firstly how they can garnish his accounts based on a judgement from 8 years ago let alone garnish us in this matter after we have been faithful in payment up until my husbands surgery, and not to mention the fact that the bank account is now in overdraft for XXXX the amount owed, which they are denying but the bank statement we have clearly shows a negative balance for XXXX the amount. Please help us
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Company believes it acted appropriately as authorized by contract or law | Contacting my work. Using my work phone to contact me which is a violation of FDCPA. Also I do not owe the amount stated since, as anyone knows, my federal tax return has been takes every year since 2007.
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Company chooses not to provide a public response | I called to cancel my card on XX/XX/XXXX but was talked into keeping it open with an offer of a {$50.00} statement credit and XXXX bonus miles for charging {$1000.00} each month for three months. When I stated that I did not want to pay a membership fee, I was assured that three month period ended before my first year was up which was XX/XX/XXXX. This agreed with the valid from date on the card which was also XX/XX/XXXX. Since I signed up in the middle of a statement period, I called back to clarify whether the months were calendar months from date of offer or dates that coincided with statement dates. I was told the three months were XXXX day periods starting on XX/XX/XXXX. When my next XX/XX/XXXX statement showed the membership fee, I called on XX/XX/XXXX at XXXX CT to ask about the fee, explaining that my XXXX year did not end until XX/XX/XXXX according to my card and the last representative I spoke with. I stated that I had planned to cancel the card before the fee went into effect and that I had questions about the promotional offer. The representative then said that she credited the member fee and cancelled the account while we were talking. I stated that I had not asked her to do that. She stated that she could re-open the account and, if she did, I would continue to be eligible for the promotion. I expressed a sense of urgency in that the deadline for making purchases within the promotional period was ending soon. She allegedly made a note on the account and assured me they would notify me by phone when the account was open so I would not have to wait for a letter. I never got a phone call. However, I determined that the account was re-opened and called customer service on XX/XX/XXXX at XXXX CT to ensure I was still on track to receive the rewards according to the promotional offer. I did so because that was the only reason I would charge any additional purchases to that card. I was told that I was still eligible and proceeded to charge another {$1000.00} before the end date of the offer. However, I did not see the credit when my XX/XX/XXXX statement was posted so I called customer service again on XXXX at about XXXX pm to ask why. I was then told that I did not meet the terms of the offer. I asked to speak to a supervisor. " XXXX '' claimed to be a manager but would n't provide a last name. XXXX told me that despite my being told during XXXX previous conversations that I was on track to receive the bonus miles and statement credit, he would not honor the promotion. XXXX stated that I became ineligible when I closed the account. I explained that I did not ask for the account to be closed, that the closing was a misunderstanding by the representative, and that I was assured on XX/XX/XXXX and XX/XX/XXXX that I would still be eligible for the offer when the account was re-opened. Somehow, it did n't seem to matter to XXXX that his information contradicted what I was told by at least XXXX other representatives or that the account was closed in error. Bottom line from XXXX is that Citibank 's error was now my problem. Citibank did not honor their agreement and penalized me for the errors of their representative.
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Company chooses not to provide a public response | On XXXX XXXX 2015 I went to Macy 's in XXXX. Tried to use my credit card. Denied. Said because I had n't paid the bill. I said I have n't received any statements. Told me I had gone paperless. Did n't think so. Went home tried to pay bill online, response was " not set up for online bill pay. '' Called Macys again, said I had not gone paperless, just argued with me. I told them this was a problem on their end not mine, would n't listen, said if I paid my bills on time I would n't have this problem. Paid my bill and {$50.00} in fees and closed my acct. How can they do that?
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Company believes it acted appropriately as authorized by contract or law | I HAVE NEVER RECEIVED ANY FORM OF NOTIFICATION FROM THIS COLLECTION AGENCY AND NOT GIVEN DUE PROCESS TO DISPUTE WHAT THEY STATE THAT I OWE. I RECEIVED AN ALERT FROM THE CREDIT BUREAU EXPERIAN STATING AN ENTRY WAS REPORTED TO MY CREDIT REPORT. I CAME TO LEARN THAT THEY WERE TRYING TO COLLECT ON A XXXX ACCOUNT THAT I HAD DISCONNECTED IN XX/XX/XXXX. THEY ARE STATING THAT THE DEBT IS FROM XX/XX/XXXX. I STOPPED USING THEIR SERVICE BECAUSE THE TECHNICIAN COULD NOT FIX THE PROBLEM WHICH CAUSED ME TO HAVE NO SERVICE WHEN IT RAINED THAT WAS IN XX/XX/XXXX. THEY HAVE RE-AGED THIS DEBT AND HAS KNOCKED MY SCORE DOWN BY XXXX POINTS. THE COLLECTION AGENCY IS ENHANCED RECOVER COMPANY, LLC OUT OF FLORIDA.
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Company chooses not to provide a public response | This is Part XXXX of case number XXXX.SunTrust has cancelled the subordinate DOT on XXXX XXXX XXXX, thanks to you all. However, they sold my property at XXXX. They keep on passing it around amongst themselves. I am sending copies of the original deed to prove that the land was never financed or signed off to anyone by me and that it was given to me by my mother. The loan ( {$38000.00} ) that SunTrust alleged that I borrowed never happened. I tried to tell them that during their merger with XXXX some papers got mixed up. Thank God that its been almost 15 yrs and I am still holding on. The letter that SunTrust wrote dated XXXX XXXX, XXXX is fabricated. On XXXX XXXX, XXXX we did n't have a primary residence and the {$37000.00} was part of the original construction loan of {$140000.00}. I 've never been a landlord nor have I ever owned rental property. The {$37000.00} was paid off whenever XXXX XXXX took over the construction loan. I sent you a copy of the Cancelled DOT in my XXXX complaint. How could they refinance something that was paid off? Where did the commercial loan come from. I 'm sending you a copy of the original deed. It 's all residential and never been listed as commercial land. XXXX buyers of the land were fooled by SunTrust and bought the land but got a full refund. It 's just a little under an acre ( XXXX acres XXXX but it was my mom 's and she passed it on to me to have to keep her financially secure if I needed to. My mom passed XXXX XXXX, XXXX. I would n't sell that land for anything. SunTrust kept threatening me over and over again about signing a new note. The note that I signed in person were in the amount of {$37000.00} and I never seen this XXXX for the {$38000.00} until later. I told the Bank that I never signed a note stating that I borrowed that money for rental or renovation properties. This has been a nightmare ever since those banks merged. I never had a proper closing, my attorney died, my builder had to move on to another job out of town, the company that sold the house filed Chapter XXXX and we had to apply to XXXX County for a Certificate Of Occupancy to move in our new home. We were homeless and nobody seemed to care. I did n't know about real-estate loan but I do now. I hope that everyone can understand that this was XXXX big mistake. I only signed for the {$37000.00} loan. Everything I have said it the truth. I have repeated this over and over. Please have SunTrust to give me back my mom 's keepsake and our monies back. We are in the process of refinancing our mortgage loan to a fixed rate now because the subordinate loan was removed. Again, thanks a XXXX times for listening to me. I have more papers if you need them. I have been collecting them over the years. I am sending a list of the checks I 've paid to SunTrust over the years. I had to stop paying them so that I could get some help or at least get someone to respond to me. It has cost me hard ache, pain and financial hardship but I got to someone who will hear my plea. Again, thank you all very much for everything that 's been done so far.
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Company chooses not to provide a public response | An old Debt that should have been removed from my Experian Credit Report, Account number XXXX by XXXX XXXX remains on my report. It represents a debt that is well over seven years old.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | I initiated a money transfer on XXXX XXXX, from my XXXX bank account to XXXX bank account in XXXX. My understanding was that once I was doing the wire transfer to USFOREX bank. I provided them all the information they asked for, ( who am I, why I am sending the money, who am I sending the money to, etc. ) with addresses and account information. The money was reached in XXXX on XXXX. It just sat there until I reached out to them ( XXXX ) and asked them to release it. USFOREX did nothing but wait. I even got them the release of funds wire transfer reference number from XXXX. And they are still suggesting that it will not go out today. And it was around XXXX, way before the cut-off time.
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Company believes it acted appropriately as authorized by contract or law | Dear CFPB, Once again USAA/MasterCard has brought unwanted problems into my life by providing, without my permission or authorization, updated credit card information to vendors for credit/debit cards which I and/or USAA have CANCELLED.
The latest debacle is playing out now. I 'm on a XXXX to XXXX, Texas. I arrived yesterday and rented a car from XXXX at the airport in XXXX, TX. Today, I checked my USAA checking account and discovered XXXX ( XXXX ) unauthorized charges from XXXX for {$310.00}, a total of {$630.00} drained from my checking account. " How could this be? '' I 'm on official travel and made the reservation through XXXX who should have charged my government VISA card for the car rental. What happened? Well what happened is this. I 'm a XXXX and XXXX ( XXXX ), yes XXXX debit cards ago, I entered my personal USAA debit card into my XXXX profile. I never, ever provided my personal debit card to XXXX for this transaction because it was a business trip. However XXXX " pulled '' my new credit card information and charged my debit card, not once, but mistakenly XXXX ( You can get the details from XXXX XXXX ( XXXX ) XXXX, billing supervisor, XXXX XXXX XXXX, XXXX, OK ). Bad on XXXX XXXX for charging the wrong card and charging it XXXX and they are correcting the problem.
But the bottom line is this ; none of these problems would occur if USAA would stop providing canceled credit/debit card information to vendors without my permission.
Regards, XXXX XXXX ( XXXX ) XXXX
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Company believes complaint is the result of an isolated error | We applied for a loan mod in XXXX. Because after the economic downslide in XXXX, we could n't afford our mo. payments at 7 % int. ( equaling over $ 15K mo. with impounds ) ; especially with interest rates half that amount at the time. But we were denied. We repeated the application a couple of years later only to find out that our original mortgage company ( XXXX ) had gone bankrupt and that we 'd been paying a service provider, Select Portfolio Services , Inc ( SPS ). We hired attorney, XXXX XXXX and his researcher, to find out who owned our loan. They found proof that our mortgage had been sold on the stock market multiple times, that Mers was involved with Robo signing, notaries signed docs whose licenses had expired, and that our loan had been transferred to US Bank 3 yrs after XXXX went bankrupt. XXXX XXXX said that we MUST stop paying our mortgage to make them sue us, because only then they 'd have to prove they owned our mortgage. So we did. We wound up hiring another attorney, XXXX XXXX in XXXX and went to court with our case. The judge ( XXXX XXXX in XXXX ) asked the opposing side to prove that they owned the loan. They could NOT prove it, said that " It was too erroneous ''. ( " Erroneous '' means it 's above the law ), in other words they could n't prove it and do n't have to prove it. XXXX XXXX said that he did not know how to rule and then ruled in THEIR favor!!? The opposing attorney was on the phone - did n't even show up in court. So after the ruling, although we did NOT believe that they owned the loan, we continued with the loan modification process with SPS and tried to get our loan reinstated. After getting lots of " run-around '' and eventual denial, we went into foreclosure status, with a commissioner assigned to sell our house. This is our family home and where we office. So we were advised to file Chapter XXXX BK to halt the foreclosure process. Our new BK attorney ( XXXX XXXX ) charged us $ 20K to create and file a plan for Chapter XXXX. We left it up to him because we assumed he had the experience/know how. However, our plan and our BK was denied and as soon as it was, the foreclosure threat became active again. Simultaneously throughout this entire time, we had another attorney ( XXXX XXXX in XXXX XXXX ) VERY actively trying to negotiate a loan mod for us. He was asked to send, resend, and resend the same paperwork over and over ; then only to be told that they needed to be updated. NOTE : What we did n't realize back when we stopped paying our mortgage is that our interest was going down from 7 % to 2.5 % as of XXXX XXXX. Too bad we did n't realize that back then. Anyway, we 've since offered SPS to make monthly payments at our legal current interest rate of 2.5 % and to even pay part of the arrears off and to put the balance of the arrears ( which had grown to over $ 400K ) on the back end. SPS told us repetitively that things look good, that it 'll be any day, any day and that we should hear back by XXXX/XXXX/XXXX. Then our original attorney, XXXX XXXX ( who took our case to court and lost ), called and said that with the commissioner who was assigned could sell our house now that we were out of BK. He could say they tried to reach us and did n't, and the next thing we would hear is that we have to vacate. This has caused us tremendous stress, so I am reaching out for HELP. We obviously have always intended to pay whoever owned our loan and to get a fair interest rate. It now seems VERY unfair ( even criminal ) that no one can prove who owns our mortgage, yet US Bank has the ability/the right to foreclose, even when we are trying desperately to make a fair payment structure and to reinstate our loan. We have n't known where to turn, so I am hoping that you can PLEASE HELP, or help us understand how to get help, since we want to keep our family home.
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Company chooses not to provide a public response | In XXXX, I disputed an entry on my Experian credit report for a previous mortgage I had with XXXX XXXX XXXX. The entry reports a 30 day late for XXXX & XXXX which are incorrect. The mortgage was paid off XXXX when the home was sold. Supporting documentation was sent certified mail to Experian on XXXX separate occasions ( again in XXXX ) proving the loan was paid off and the entries were invalid. Both times Experian returned the results as being confirmed by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX about the issue who advised they only reported the loan being paid in full for XXXX and there was no payment status reported for XXXX or XXXX. XXXX XXXX XXXX agreed to send a letter advising the there were no late payments for those XXXX months. Due to the errors in my credit report I am unable to close on a new home until the report is corrected. Both XXXX and XXXX report the trade line correctly, but Experian refuses to correct the entries even with supporting documentation and a letter from XXXX XXXX XXXX confirming the entry is invalid. I would just like my credit report corrected to reflect the correct information so I can close on my new home. Any assistance you can provide with this matter would be greatly appreciated
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Company believes it acted appropriately as authorized by contract or law | My cosigner continues to get harassing and threatening phone calls from debt collector NES of Ohio, even though I asked them to stop.
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Company chooses not to provide a public response | In XXXX 2015 I requested my annual free credit reports, sent in a copy of my driver 's license and social security card but have only received a copy of my credit report from Equifax last week. I sent XXXX emails but have not received credit reports from XXXX and XXXX.
Equifax continues to add several addresses that are incorrect ( lived at the same address for the past 26 years ) to my report, account numbers and year acct open have been changed and information over nine years remain on my report. This is the same complaint I filed against all three bureaus but still experiencing the same problems today.
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Company chooses not to provide a public response | XXXX XXXX XXXX has a credit card balance on my profile that is not mine. it was a closed credit card of my relatives that i had a authorized card. however i asked that the account be closed and to take the card off my profile since i am not the master owner of the card.
XXXX XXXX
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Subsets and Splits