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Company chooses not to provide a public response | TransUnion provided an incorrect credit information to XXXX XXXX in connection with my credit card application thats why my application was denied XXXX times. The incorrect information provided by Trans Union read : " XXXX XXXX or XXXX account ( s ) not paid as agreed. '' The truth of the matter is I do not have an account with XXXX XXXX and XXXX.
I called Trans Union XXXX and they could not explain why an " unpaid XXXX XXXX or XXXX account ( s ) '' appear in their report. All they could say is that they will mail me a copy of my report. My last call was pick up by Trans Union call center in XXXXand they do not seem to understand the issue. Meanwhile, my credit application is damaged because Trans Union do not take action to correct their inaccurate reporting.
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Company chooses not to provide a public response | I recently pulled my credit reports after being denied credit and found several accounts that were not mine. I put a Fraud Alert on my credit report with the XXXX main credit reporting agencies. I then sent a letter to XXXX XXXX XXXX on XXXX XXXX, 2015 who are listed as collecting for XXXX. I requested proof that this accounts belongs to me and copies of any documents showing my signature where I agreed to pay this card. I have received NO response from XXXX XXXX XXXX. It has been well over 30 days now without a response. I am demanding proof of my signature on a contract saying I would be liable for this account. They can not continue to ignore my request, nor can they simply say that because someone with my name who got ahold of my SS # and opened an account under my name makes me responsible. I am demanding that they delete this incorrect account from my credit report with the XXXX big credit reporting agencies immediately.
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Company chooses not to provide a public response | Experian is reporting a XXXX account that has been taken out through identity theft
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Company believes it acted appropriately as authorized by contract or law | I move in to XXXX XXXX and the manager had told me that my name had to be on the list as I was older than XXXX living in the place now aside from that I had ask multiple times if it would affect me in any way and she had stated multiple times that no, I live there for about 3 months prior to moving out I had ask again the manager if been listed as living there would held me accountable for any given reason she had said that no. Now as I look through my XXXX credit report # XXXX I see the following XXXX landing XXXX $ UNPAID I do n't understand if I had explain that prior to be listed in the contract and prior to moving that I was under no circumstance to be held accountable and that the only reason I was writing my name was because I was older than XXXX why I 'm been charge when I 'm not responsible for the debt.
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Company chooses not to provide a public response | Apartment I lease was ended due to bed bugs
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Company believes it acted appropriately as authorized by contract or law | I want the creditor Bryant & Bryant to stop contacting me. They are threatening me on the phone and very rude.
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Company chooses not to provide a public response | I retired from the XXXX. Postal Service and received XXXX pensions. The problem I ran into is I could not set up my online Social Security Account. I called Social Security and they investigated and found out because they use Experian data base to match addresses up to match me is why I could not sign in. My address with Social Security on file is XXXX. They told me to contact Experian to add my XXXX address to my profile. I contacted Experian and explained to them I need my XXXX address to be added to my credit report so I can go on line to set up my Social Security account. They said they can not add a XXXX address to my profile. I asked them why and they could not give me an answer. Social Security said I should not have a problem adding my XXXX address to my credit report. This is my address Social Security has on file ; PH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I lived part time in XXXX and XXXX. Please help me with this situation ... Thank You!
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Company chooses not to provide a public response | In the process of attempting to get a mortgage loan for XXXX people with FICO scores at XXXX and XXXX, we were given the run around in every manner you can imagine. We were operating under a 30 day escrow with a XXXX ARM. The lenders asked for everything in our history you can imagine. I 'm not against them doing their due diligence. They should have been doing it when they were falsifying records and looking the other way. But now along comes an honest buyer with great FICO scores we 've worked hard to attain. They held up the process with day after day after day of hassling us for more and more information that we finally had to stop the process and withdraw our offer. This was because I had to have a place to move to in California since the loan folks had assured me all was fine it was just a few more details. Weeks later, after I turned in our lease termination, they were still asking for information. The final straw was when they started asking for 2014 taxes ( for the XXXX time ) and then asked us to " explain '' my husband 's first job out of college ( 30 years ago ), my former married name ( 27 years ago ), and various other historical pieces of data from 15-30 years ago. They said it did n't match on different reports they had. But they did n't send us the reports so we could see what did n't match. And honestly a first job out of college from 30 years ago, what bearing does that have on current credit worthiness? They claim it 's all XXXX requirements, but I know that is not the case. It really seems they do n't want to make loans at good rates so they just make it impossible.
And now they 've screwed up my credit report by having XXXX mortgage loan credit inquiries made, which do n't go away for 2 years. another way to make us " pay '' for just trying to buy a house. FICO says that loan mortgage inquiries are not included in its calculation, yet each of the credit reporting agencies stated that I had too many inquiries on my report that impacted my overall FICO score. Now i have to live with that for two years, or spend a week writing letters to no avail ( I 'm sure ). If this is a country that runs on credit then we are in deep trouble when the only people who can get loans are the ones who do n't pay them back.
Please find some way to convince the mortgage companies to be more reasonable in the info they ask for and to remove credit inquiries after 3 months of no loan follow-through. Thank you.
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Company believes it acted appropriately as authorized by contract or law | Experienced identity theft fraud involving my PayPal account. Someone obtained my PayPal password and used it on XX/XX/XXXX to make an eBay purchase ( not from my account ). Paypal reversed this charge and password was changed. Despite this, on XX/XX/XXXX my account was again used to make XXXX eBay purchases for computers, shipping to a name/address unknown to me. On filing claim, PayPal positively closed XXXX case in the amount of {$2100.00} but on other virtually similar case for {$2200.00}, PayPal closed case upholding the transaction. As of XX/XX/XXXX, they are still planning to submit an ACH bank account withdrawl from me for {$2200.00}. This despite calling their fraud department twice to appeal and sending them further documentation, which I had informed them included police report and FTC complaint. Not only am I suffering from identity theft fraud, but PayPal is treating me as the criminal instead of the victim. I simply can not understand their actions here despite informing them via phone this violates Fed Regulation E as pertains to fraudulent transactions. This is complete fraud! The transaction did not come from my eBay account and was not shipped to me or to a person I know. I 've been a member of PayPal since XX/XX/XXXX and never had such transactions on my account in the past 15 years! Since this occurred, I have filed XXXX, AZ police report, filed FTC identity theft complaint, filed FBI Internet Criminal Activity Report ( IC3.gov ), placed a fraud alert on my credit bureau files, and notified my bank. I would like help in communicating/discussing with PayPal at higher levels than their front line customer service agents which appear unable to understand or resolve the issues. I 'd like PayPal to remove the XXXX fraudulent charge as they have the other XXXX.
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Company believes the complaint is the result of a misunderstanding | The issue at hand is my servicer Shellpoint. I have been trying to resolve the issue of my past due payments with Shellpoint. Over the past few years and months I have received correspondences from Shellpoint with different past due amounts. I would like to know : Why the amounts past due keep changingHow did the past due amounts jump from only {$190.00} in XXXX XXXX to {$800.00} in XXXX XXXX.
I have received my payment history from Shellpoint, but there seems to be fees that were told to me verbally that do not appear to be in the payment history, or, I may be misunderstanding my printout. It was told to me that there was a " Third Party Recovery fee '' of {$250.00}. What was the fee for?
In XXXX XXXX, there was an insufficient funds charge for a check that bounced, I mailed in a money order for {$140.00} to cover the insufficient funds ( {$20.00} ) and my payment of {$120.00}. I feel I do not owe the {$20.00} insufficient fee because I paid it along with my mortgage payment.
Can Shellpoint please explain to me how my payments are applied, to principal and interest, escrows or fees which is applied XXXX?
Last year in XXXX XXXX, I spoke with a Rep at Shellpoint, do believe her name was XXXX, I called XXXX and we set up a payment of {$110.00} in addition to my regular payment that comes out of my account electronically. I sent in the additional payment of XXXX and it was returned stating that I did not have send in a full payment. Please help me get this straightened out once and for all.
I would like to know what do I actually owe that is past due? XXXX amount, not several different amounts. I have attached documentation to support my complaint.
Thank you kindly for attention to this matter.
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Company chooses not to provide a public response | I never recieved a bill from this this collection agency or notice
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Company chooses not to provide a public response | I obtained a construction loan using XXXX XXXX and XXXX XXXX as my loan officers at US Bank. When I went to signing at XXXX title the initial loan amount was incorrect based on the fees and total contract price of the construction minus the funds I brought to closing. During the signing we called and spoke with XXXX about the discrepancy and he recognized it as well and said go ahead and sign and that he would look into it and get back to me. He did not get back to me.
Since then I have contacted he and XXXX several times about this issue via phone and email. When I contacted XXXX via the phone he has said he would have XXXX look into it, which he did not do. After I emailed XXXX multiple times, she finally sent an email back saying that was based on 80 % LTV, although her numbers were incorrect, and never offered any explanation as to when or how that number would be adjusted to account for the discrepancy. I replied with what I believed to be more accurate calculations, which she ignored.
I followed up by attempting to contact XXXX XXXX multiple times in order to get a reasonable explanation and find out what he had found out, since he said he would look into it, but he does not return my calls or answer is phone any longer.
This whole lending process has been the worst I have experienced. The communication has been worse than sub-par and the lenders knowledge about their own product appears to be extremely lacking. I have had several mortgages from online banks and felt that since a construction loan may be more involved and I may need more explanation I should go with an established bank who has brick and mortar business as well in the hopes they would be more professional and knowledgeable. Unfortunately I was proven wrong by their lack of communication and apathy towards making sure things were done correctly.
I still need to know how this initial loan amount affects my loan. During the conversation XXXX and I had on the phone during closing, he specified that the Builder, XXXX, would not be able to draw any more than our contract price. He did not, however, specify when or if the extra amount would go away. It may very well be that at the end of construction the amounts are added up and at that time will be correct, however they need to explain this and not assume customers who admittedly have never had a construction loan will figure that out on their own. It also seems unprofessional and suspicious that the number was not adjusted prior to closing even though they had all the information necessary to correct it.
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Company chooses not to provide a public response | Citibank sent me offers weekly for months, including XXXX in one day. I finally applied for their card only to be told to call in. I did and they started asking all sorts of extremely personal information. Not trusting the questions I asked why they needed the info since it was all in my credit report. I was not given a reasonable answer so they said they would get me an answer in a week. I said that was just fine. I then received a letter asking for bank statements, phone bills, etc. This seems really sketchy to me. I called and was given the run around again. I have excellent credit and am very easy to find so I ca n't imagine it was an issue of credit worthiness or security. I told them to cancel the application and remove me from all offer lists. I also asked to have a supervisor call me. We will see if that happens.
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Company chooses not to provide a public response | XXXX account # XXXX I have insurance, I paid my Deductible/co-pay at the hospital and even recieved a refund for overpaymentof the deductible. I never recieved a bill after my operation. I have no idea why this is in collections they should bill the insurance company ; So far as I know I am not responsible for this bill ; neither have they provided me a copy of the bill so that I could present it to my insurance carrier. They have no right to place this on my credit report without notification of a bill being due.
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Company chooses not to provide a public response | I purchased a piece of luggage from XXXX and the XXXX use of the new luggage resulted in the luggage being damaged. It was a large hard-sided shell and the shell was cracked beyond repair along with XXXX of the wheels being pushed up into the luggage to where it was unstable. I took the luggage to a XXXX authorized repair facility and they stated that it was damaged beyond repair and that it would not be covered by the XXXX warranty. The XXXX Warranty only covers manufacturing defects or damage and states it does not cover airline mishandling. I called XXXX to resolve the issue because this was the first use of their product and I believe they have a manufacturing defect in that they have not designed the luggage to withstand well know rough handling within the industry for which their product is designed to be used. This to me is an implied use warranty. XXXX refuses to credit my card, although they have sent an email indicating that if I want to send the damaged luggage back to them that they will re-evaluate my claim, but the luggage must be sent at my expense and for which I will NOT be reimbursed, even if they ultimately agree that the damage should be covered. I have gone to XXXX and USPS for shipping estimates and due to the large size of the luggage, it will cost me a minimum of {$60.00} to ship it to them for their evaluation. I then contacted my bank to open a dispute to have the amount credited back to my debit account, and the bank BMO Harris, has refused to do anything. Their position is that because the issue is not involving fraud, that I had no dispute that they could assist me in curing. I do not understand this policy as there is no other recourse for me to attempt to recoup my money without having to prove the airlines mis-handled the luggage, which THEY will require me to prove. This is extremely frustrating, and I would like to complain about the refusal of the bank to attempt to resolve this dispute for which their access device was used, as well as I 'd like to complain that XXXX can not simply disregard the fact that their product is not manufactured to withstand known aggressive handling within the industry for which their product is primarily intended to be used.
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Company chooses not to provide a public response | 1. The Bank of America website has XXXX separate places where payments can be made. As a result, I mistakenly paid {$10000.00} XXXX on XXXX/XXXX/15. I attempted to fix this with BofA at that time but they told me they could not do anything about it. In the end, my credit union bounced the second {$10000.00} payment, which was reflected on the BofA website on XXXX XXXX ( along with a {$25.00} bounce fee, which I accept ).
2. Throughout this period, the BofA website said that my payment due for XXXX/XXXX/15 was a NEGATIVE amount. Even after the {$10000.00} returned payment appeared on their website, the payment due never became a positive amount. In the end, I paid the {$34.00} indicated as the minimum payment on XXXX/XXXX/15.
3. At which point, on XXXX/XXXX/15, I was charged {$53.00} for interest. On XXXX/XXXX/15, I was charged an additional {$87.00}. I expect to be charged further on XXXX/XXXX/15.
4. I am attempting to pay the account down to XXXX to end these charges, but have not been able to do that yet.
5. I ask that the interest charges be XXXX out. ( I will accept the {$25.00} charge for the initial check return, EVEN THOUGH this is due to the website indicating that I had not set up a payment when in fact I had. )
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Company chooses not to provide a public response | We had fire in the house and we were safe but we are in the process to get the house rebuilt with the insurance company 's fund. The insurance company had issued fund to the mortgage company which is BANK OF AMERICA. Now, Bank of America is delaying in releasing the fund to pay off contractors invoice. I want to seek help with CFPB.
This is just to initiate the complaint and I can give more information later.
Thank you.
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Company believes it acted appropriately as authorized by contract or law | I have medicare so there is no reason an emergency visit to the doctor should be on my credit. Please help me take this off.
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Company chooses not to provide a public response | My insurance company XXXX sent me a payment for {$450.00} on XXXX XXXX, 2015 through Bank of America 's Mobile Transfer service. Bank of America sent me a text message the same day saying they had received the payment and would credit my account. They still have n't done that. When I called them, they said they have no record of the transaction.
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Company chooses not to provide a public response | Was contacted by Dynamic Recovery Solutions in regards to a debt from XX/XX/XXXX. I asked to be mailed a statement of debt and received a statement by mail on XXXX/XXXX/XX/XX/XXXX
Current Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXXXX/XX/XXXX and spoke to their billing department and was told that all there was no open account and they did not send anything to collections. I have no debts on my credit score and Dynamic Recovery Solutions " helpfully '' informed me that if I paid them then nothing would go on my credit history.
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Company chooses not to provide a public response | I 've already spoken to them once on my cell phone, now they are calling repeatedly on my work phone which is a privately owned business. If they keep calling, I will be fired! I 've told him not to call anymore!
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Company chooses not to provide a public response | I 've already spoken to them XXXX on my cell phone, now they are calling repeatedly on my work phone which is a privately owned business. If they keep calling, I will be fired! I 've told him not to call anymore!
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Company believes it acted appropriately as authorized by contract or law | # 1 -- PayPal/Ebay Inc Auction where as XXXX transactions were disputed, PayPal/Ebay, withdrew money from my paypal account despite teh buyer recieving th eitem, without verification that the buyer did not recieve after seller verified that the item was shipped and delivered, after complaint. # 2 -- PayPal/Ebay Inc, Did place a hold on my account in the amount of {$70.00} after a dispute was filed by a buyer for an item sold for {$5.00} with Shipping of {$7.00} ( {$13.00} ), this is in excess of {$56.00} abover item in question, i believe this action to be theft and criminal, as there is no basis to hold XXXX times the amount in question. I wish for criminal charges to be brought against PayPal/Ebay for their theft from my accounts, and forbidding me access to my money and property, as this additionally is a violation of their terms and legal bounds
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Company believes it acted appropriately as authorized by contract or law | I was contacted be the creditor and I am not the person on the loan, I was also contacted by several people stating that they had also been contacted. This was after I was told they was going to send someone to my place of employment and also to my daughters place of employment to serve papers and get me fired. I would answer the phone and try to talk to the person on the other end and get screamed at and told that they needed payment today or a tow truck would be showing up to collect property with the sheriff they call back to back to back and several times at night.
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Company believes it acted appropriately as authorized by contract or law | hello, i made a mistake. Instead asking money with paypal i sent it.
He does n't want give money back.
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Company chooses not to provide a public response | XXXX XXXX account # XXXX This is inaccurate account information. I had a low limit credit card with them {$300.00}. I never borrowed {$950.00} on that card, and it shows a balance owing {$1200.00}. I never owed that much on the card. This is inaccurate all around!
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Company chooses not to provide a public response | During deployment turning in my SCRA documents was misleading and stressful.I did n't get info to do so until I was XXXX and away from home. I 've tried contacting the company to make payments.Back in XXXX I even had a customer service agent take XXXX payments without permission resulting in bounced checks and over drafts with my bank. I have to get a new bank account because of this so I could pay bills. I was told my account is under audit and I could n't getme account info or make accept payments at the time. I had the we can take payments / we will differ a paymen to help you catch up a few time while deployed. Then I 'm in Texas going through my XXXX when I finally get help from someone. At that time I 'm told I 'm XXXX payments behind! I 'm told they can differ a payment and help me get caught up. Before that could happen though they would have to take a payment to keep me out of repo and call me back about the deferment. i was never called back again except for another payment. To where at the beginning of XXXX I made a payment around the XXXX and setup XXXX for the XXXX. This was going to get the current for the month of XXXX. Meaning I still owed a payment for the XXXX XXXX payment date. I tell the customer service agent that as of XXXX XXXX XX/XX/2015 I 'm off active orders and told him I would try making both payments XXXX XXXX. He assured that will get on track. XXXX XXXX I get XXXX letters XXXX stating my intrest rate changed and a bill dated XXXX/XXXX/XX/XX/2015 that I now owe XXXX by XXXX/XXXXXX/XX/2015 and my payment is in collection. I called and was told a manager would look at my account and call me back XXXX XXXX of XXXX. XXXX XXXX I 've had to call them. Collections tells me I owe XXXX and they transfer me finance. I 'm told my account has never been audited and my payment is n't XXXX ( results of a " descrepancy from a retina audit '' letter sent XXXX ) it 's not XXXX per the bill sent XXXX. Actually it 's XXXX as of XXXX w/ XXXX as current owed
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Company believes it acted appropriately as authorized by contract or law | I have a debt in collections with IQ data international from XXXX from years ago and want to resolve this debt. I asked for a letter stating how much I owed and where to send money. They said they do not send letters because my account is in collections.
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Company chooses not to provide a public response | In XXXX XX/XX/2015, I received an alert that a new entry had been made on my credit reports by XXXX XXXX for over {$7000.00}. When I viewed my report, it only said that the original creditor was XXXX XXXX, but no additional information. Through the credit reporting agencies, I asked to verify the information.
Additionally, I researched the company online and located several numbers that either had recordings ( I left messages ) or no answer. I located only XXXX email address and sent an email requesting a copy of the original bill. None ever was received and I had no contact from them.
In XXXX, I contacted the Better Business Bureau. They received a response form XXXX XXXX saying that they would contact the original creditor for the bill and forward it to me. It has been over a month since then, and I 've received nothing.
To date, I still have no idea what this debt is, when it originated, nor who it is from.
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Company believes complaint is the result of an isolated error | Request for Credit Reversal and DisputeMy name is__ and I am a United States XXXX XXXX XXXX XXXX Veteran who is appalled at the treatment that I have been receiving from Sallie Mae , Inc . I 've served my country honorably as an officer for 21 years and never thought that my financial future would be scarred by a student loan company. My XXXX credit has been damaged due to errors and misinformation given by Sallie Mae loan representatives. As the cosigner on my niece 's student loans, I am requesting a credit reversal of the derogatory information that have stained my credit reports. I 've also discovered that there are thousands of online customer complaints documenting the same errors, inefficiencies and misinformation made by Sallie Mae employees.
On XXXX XXXX, 2015, I spoke to XXXX ( Sallie Mae representative ) regarding loan __. I told him that my niece and her family were undergoing economic hardship and that my retired status, along with the care of my Mom placed me in a difficult position in terms of repayment of the loans. XXXX mentioned a forbearance option. I stated to him that my niece and her father had been granted the maximum in forbearances stated by Sallie Mae. He then stated that since the family was still undergoing economic hardship that he would appeal to management for another forbearance, provided that I would pay a {$50.00} fee and give him a financial statement over the phone. I asked if deferment was an option, and he said no because my niece was not in school. I gave him the information, paid the {$50.00} fee, XXXX assured me again that he would do everything he could to get a favorable answer from management regarding the forbearance request and to keep my credit from being negatively affected at XXXX. He said if he was n't able to do it, I would receive a call. I never received any follow up calls stating that the forbearance was not approved.
On the XXXX of XXXX, I called Sallie Mae 's military division to inquire about additional programs for veterans and it was there that I was told that the forbearance that XXXX had processed was denied and the derogatory information was reported to the credit bureaus. The representative said that XXXX should have told me that it was not likely that another forbearance would be granted because of the XXXX opportunities had been exhausted. I also discovered that with the approved forbearance in the past, that Sallie Mae never went back to re-adjust the days past due and those were also on my credit reports. I paid the {$50.00} in good faith and was misinformed and disregarded.
On XXXX XXXX, 2015, my niece and her father called and spoke with XXXX ( Sallie Mae representative ) to request a forbearance for loan__. XXXX took their financial information and said that he would push for a 60-day forbearance, however he could n't guarantee it but would work hard to get it approved. They called back after not hearing from Sallie Mae on that day and was told by a Sallie Mae assistant that nothing was done yet. They were then transferred back to the forbearance department and XXXX took the call and said that everything had been take care of and that someone would call. When the payments were late, I received numerous calls throughout the day. Each time I called Sallie Mae and was told that a follow up call would be made, no one called me, regarding a status update.
During the early part of XXXX, I spoke with XXXX ( Sallie Mae representative ) and was given information that was reported after the previous forbearance had been approved. My niece and father were told by XXXX that with each and every forbearance, that it should have been only XXXX 30-day late reported. Sallie Mae dropped the ball several times and we were penalized for the misinformation and faulty loan servicing The derogatory late payment information damaged my credit-a credit reversal is requested.
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Company chooses not to provide a public response | I received a bill from : Receiveables Performance Management, LLC, XXXX XXXX, phone : XXXX, for {$490.00}, for DISH NETWORK. I called their office XXXX times to dispute this bill. I was put on hold all XXXX times. I was never able to speak with anyone.
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Company believes the complaint is the result of a misunderstanding | XXXX Management robo calls our house about XXXX-XXXX times every week for the past XXXX months. They call in the afternoon to XXXX at night.
It does not say who they are trying to reach, but every time we pick up, it is a machine that says the same thing or leaves the same message on our answering machine. It says who they are, that someone owes a debt and to call them back. Obviously I know I do not owe any debt, nor am I going to call them back. I searched the number and see it is a scam. My number is even on the Do not call list. We keep track of our credit reports and pay everything on time.
We do not even have our house number listed on any of our loans or creditors, so that is even more amusing.
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Company chooses not to provide a public response | I pulled up my credit report looked it over and realize that XXXX is reporting to the credit bureau a debt of {$260.00}. I contacted them and let them that I never had services from XXXX. They asked me for my account number which I explained to them that I do n't have XXXX and I was looking at my credit report and saw that there 're reporting to the credit bureau this debt. So they asked me for my Social Security number, when I provided them with that number then they told me that I 'm not on there system and since I 'm not on there system I should n't have to worry about it. So I explained to them that I have to worry about it because it 's on my credit report which is hurting and my credit score. And I explained to them that I wanted to dispute this debt because simply it does n't belong to me. Then they told me to contact the credit collection agency because they no longer have it on their system which is wrong because they 're still reporting it to the agency even though they sold the debt to national recovery agency ( under the fair credit repair act FCRA Once you sell the debt to collection agency you are not allowed to report the same debt to the credit bureau as if it 's a different that debt anyways it is illegal to do that ) which I have contacted numerous of times they kept hanging up on me telling me that I have to disputed this debt with the XXXX and they 're just collection agency. Enclosed in a letter that I sent to national recovery agency requesting information about this debt. What I got back from them is a copy of the bill which does not prove to me that it 's my debt. So if you please help me out because I 'm losing sleep over this matter. XXXX companies are reporting the same that which told belong to me and it 's really frustrating so thank you very much in advance for your help and I appreciate it and hope to hear from you soon
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Company believes the complaint is the result of a misunderstanding | I would like to report a dishonest business practice of XXXX. The bank has charged service fees on my accounts without my consent. I had a checking and saving account with XXXX before and now they merged into East West Bank. XXXX of my accounts have been charged service fees every month after they merged into East West Bank without any notices. On XXXX XXXX, 2015, I talked to the branch manager ( XXXX XXXX XXXX ) in person and explained the situation to him and hoping he could give me some help. However, he was not helpful at all. He refused to credit me back the service fees and tried to put the blame on me instead. I was shocked by the dishonest business practice and the lack of professionalism of the branch manager.
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Company chooses not to provide a public response | Received declination of credit from a credit card I attempted to open. Rejection letter stated Experian 's phone number as well as " Report Access '' link and include a XXXX digit " reference number ''. When attempting to receive complimentary copy of my report that resulted in this decision, tried both Experian 's phone number and website link.
After carefully entering my ( correct ) information, Experian 's phone system said they could not retrieve my data and I must submit my request in writing. There was no way to access an actual operator to provide them with the Reference Number ( which presumably should have made finding my report quite easy ). Instead, it simply repeated the mailing address and necessary supporting documents. When going through the experian.com/reportaccess site, I also received the same denial of accessing it through their online system, and was told to submit my request in writing to the same address.
It 's ironic to note that Experian does not accept mailed credit card statements as proof of address ; given how many people are using electronic statements only in this day and age, it 's not always easy to find XXXX of their accepted forms of mail.
I will note that I have ALWAYS received this type of complication from Experian, also while trying to claim my free annual credit report as required by law.
I assert that Experian purposely makes their " Free '' system hard to retrieve reports from, in an attempt to get people to purchase their reports instead. I have no doubt that if I signed up for their credit monitoring service for a hefty fee, they would somehow " magically '' locate my report. They are simply trying to leverage the laws in place for consumer protection to grow their business.
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Company chooses not to provide a public response | Complaint : I purchased a XXXX XXXX Air Fryer from XXXX XXXX XXXX XXXX XXXX XXXX which is supported by XXXX Bank. After having made XXXX flex payments on the XXXX payment I paid the total balance off bringing my account balance to zero. I have not purchased any other items. 3 months later I received a call from XXXX Bank / XXXX who stated that my account was now in a delinquent status and that I now owed {$170.00} in past due payments. After being transferred to different departments who all stated that I owned {$170.00}, even though I had previously paid off the balance. In order to protect my credit score I paid what was told to me that I owed despite the fact that I had paid the entire balance and requested that my account be closed immediately. Unbeknown to me XXXX Bank had reported to all XXXX of the credit burrows that my account had been delinquent, which has adversely effected my credit score causing it to drop XXXX points.
I have enlisted the assistance of a consumer credit repair company ( Cure My Score ) to send out letters disputing this on my behalf. When I received an unfavorable response from Experian, it was advised that I contact your agency as to correct this injustice.
Both XXXX and XXXX have both cooperated however Experian continues to report this negative information on my credit report which continues to adversely affect my otherwise stellar credit history. I have recently received higher interest rates on purchases along with being denied credit due to Experian stance for not removing this from my credit report.
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Company chooses not to provide a public response | My credit was repaired, I have a fraud alert and now myscore will not appear. It states I have no credit when in 2013reported a XXXX credit score. unable to get a clear answerfrom the credit bureau. SS said I can get a new SS #.
I have also gotten married XXXX/XXXX/2013 new last name XXXX
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Company believes it acted appropriately as authorized by contract or law | Credit Center Inc has threatened me with legal action if a debt, that has been proven unverified by the bureaus, is not paid. It states I have 14 days to make payment or reach an agreement or the account will be forwarded to an attorney for legal action
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Company disputes the facts presented in the complaint | I 've attempted several times through phone calls, letters, and emails - even the XXXX - to verify this debt that Financial Services claims I owe. However, they have never responded, not even to the XXXX.
This is no verification - which I am entitled to - that this is a valid debt.
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Company chooses not to provide a public response | My father is a XXXX veteran XXXX. Recently his XXXX van broke down and needs to be replaced. My father is XXXX XXXX and receives benefits from the VA. He has the funds to purchase a van, but with his XXXX, it does n't need to be brand new $ 20,000- {$30000.00} vans from car lots. I have been finding great deals from individuals that have lost loved ones and no longer need the vehicles. THE PROBLEM we are running into is the vehicles are not appraising through kelly blue book for the loans, because the banks will not consider the XXXX adaptions that have been added. I even had the receipt where the equipment was added in XX/XX/2009 for {$30000.00} for XXXX of the vehicles i was trying to purchase for {$11000.00}. and they still denied it because the plain van only booked for {$5200.00}. What about the {$30000.00} that was added to it??!!!! I am amazed that dealers can sale these at car lots and will go right through the bank, but someone that needs to sale it for hardship and MY FATHER NEEDS IT!! i do not want to go out and buy a {$30000.00} car for someone that is as sick as my father is. Then i will be XXXX of these people that ca n't sale it to anyone BECAUSE banks wont loan on them.
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Company believes it acted appropriately as authorized by contract or law | The company is Receivables Performance Management, LLCThis company is trying to collect on XXXX cell phone bills that I do not owe. And they do not have the right to practice debt collection in Texas. I have sent them letters but they keep reporting that they have validated the debt.
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Company chooses not to provide a public response | RE : Additional Fees in amount $ 250.00Time and time again I am continuously filing a complaint again BANK OF AMERICA HOME LOANS.
I am fortunate enough to have an outstanding program like SAVE THE DREAM to nurture my frustration ; however BANK OF AMERICA is continuously trying to abuse the system. I was informed by my counselor ( XXXX XXXX ) at working in our neighborhood that I must monitor all payments. Before applying for service I was informed that working in our neighborhood/Save the Dream would contact my mortgage lender ( Bank of America ), for the total amount including attorney fees, pass due fees etc. This would have me current and up to date on payments! WELL THAT IS NOT THE CASE! Bank of America provided the total dollar amount to Save the Dream to have me current in the amount of {$17000.00}, for XX/XX/XXXX, however Save the dream was billed {$18000.00} which was paid to Bank of America. I received an additional statement from Bank of America for the month of XX/XX/XXXX in the amount of {$1400.00}. The XXXX prior payments have the following : Additional Charges Overdue payments, fees and charges for XX/XX/XXXX {$330.00}, XX/XX/XXXX {$330.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$250.00}, and XX/XX/XXXX for {$250.00}.
When I notified Bank of America customer service department transferred me to their foreclosure department who informed me that those additional fees are for attorney fees, foreclosure fees etc. I informed her that those fees were included in the payoff amount to get me current. Needless to say nothing was resolved! I believe that BANK AMERICA is abusing the system/program and need to beinvestigated. The following document is my current mortgage statement. Also I have listed some of my current complaint claim number below : Attorney General # XXXX ( Fiscal XX/XX/XXXX ) Federal Trade Commission CLAIM # XXXX Attorney General claim against Countrywide Home Loan XXXX # XXXX Consumer Financial Protection Bureau Case # XXXX Federal Trade CommissionXX/XX/XXXXI called Bank of America because I did not receive my XX/XX/XXXX statement, however they informed me that XXXX payment has been made and my next payment is not due until XXXX XXXX, 2015. I informed XXXX at Bank of America that I still would like my XX/XX/XXXX statement. I called Save the Dream and spoke with XXXX who informed me that they have made my payment to Bank of America in the amount of {$1100.00} and the additional {$250.00} for XX/XX/XXXX payment.
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Company disputes the facts presented in the complaint | Received a message from the receptionist at my work from XXXX a XXXX XXXX, she left a message advising it was in regards to a legal matter and I needed to return her call. I did call and she said I will be sending a XXXX legal form to your place of employment. I advised her not to call my employer or send any communication, she then hung up on me. I called back and she said, well its going to employer today.
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Company chooses not to provide a public response | Took out a loan with western sky for {$2500.00}, and immediately they turned it over to XXXX. Paid {$290.00} over 16 months ( {$4700.00} ). I realized I could no longer pay this ( behind on mortgage/utilies ) and that this extreme interest is illegal in my state ( Georgia ), requested they stop the ACH and we come to an agreement that they 've received their {$2500.00} already and then some. This was either XX/XX/XXXX or XX/XX/XXXX. They stopped the ACH debits, but are still trying to collect {$7000.00}. Do they have the right to collect?
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Company believes it acted appropriately as authorized by contract or law | I am receiving calls from Progressive Management Systems about an outstanding bill that my ex-husband owes for my son. I have asked the company to remove my name and telephone number, but they continue to call.
I refuse to pay this bill because my child 's father is responsible for this bill.
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Company chooses not to provide a public response | Dear Sir or Madam, I have contacted this company Franklin Collection Services and ask this company to removed there negative report from my credit report however they stated that there was nothing they could do to help me. this is not a debt I own to this company.
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Company chooses not to provide a public response | I am recently married and my wife has filed a bankruptcy for debt aquired before marrage. My current home loan serviced by XXXX has been flagged and transferd to the collections/bankruptcy department. My wife is not on the deed, she is not on the loan. I have an XXXX credit score and my loan is current. I would like to apply for a second home loan, but this situation will be a roadblock, potentially costing me several thousands in interest if I cant take advantage of cerrent rates. I feel this is a mistake on dovenmuels part, and they are doing nothing to correct the situation.
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Company chooses not to provide a public response | On XXXX/XXXX/15 I walked into XXXX and asked to be disconnected at the same time I paid XXXX ( {$70.00} ) the bill I owed and asked to be billed the balance. Until today, XXXX/XXXX/15 I have not had XXXX attempt to contact me from the XXXX. Today I received a COLLECTION NOTICE asking for payment on behalf of XXXX. I called XXXX to verify that they had all my personal information correct and still active, which they did. They could have emailed me, send me a bill by post, call me on the telephone or even text me on the phone! The " supervisor '' that I spoke with had no reasonable explanation for this outrageous conduct and ( I believe ) attempt to purposefully affect my credit.
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Company chooses not to provide a public response | I filed a fraud complaint after discovering that my daughter had been skimming money out of my bank accounts,XXXX. The bank, Suntrust, after issuing new debit cards, said I was good to go. They had also promissed to return any fees incured. After returning 72 $ of XXXX {$.00} They closed my accounts, without informing me. I am a XXXX veteran living on social security. XXXX is delivered on the XXXX of each monty.The provisional credits were finalizes. It will take me a month to get it back. They are denying me the money that is left in my accountssaying I have to wait 14 business days to get it back. I have no food. My daughter and grandaughter are dependant on me and I dont have enough for her diapers. They also are not returning the other 72 $ of fees XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Ga XXXX. Suntrust account # XXXX will be needing food bank help by the weekend.
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Company believes it acted appropriately as authorized by contract or law | I have been monitoring my credit carefully for the last 6 months. I am applying for a home loan. I was notified today that Progressive Management XXXX is now reporting a new collection account for a medical bill. I have been at my address for over 2 years and I have not received a single notice or call from Progressive to validate this debt accrding to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). They have made no attempt to obey the law. I have faxed them a request to validate the debt and a copy of their HIPPA compliant agreement with the creditor. I have not had any medical bills that would fall under this category so I believe they are simply re-aging this account.
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Company believes it acted appropriately as authorized by contract or law | There is a previous complaint about this company from me. I am writing because my parent 's savings account was levied by Messerli & Kramer. The bank got their notice on XXXX XXXX, mine was n't mailed until XXXX XXXX. I received the paperwork on XXXX XXXX, and the money was already removed before I had the chance to file an exemption. I also filed an exemption with this company on XXXX XXXX, 2015. The savings account that was levied only has my name on it in case something should happen to my parents. We are clearing that end up at the bank, but the fact remains that I was NOT allowed proper time to file my exemption with them before they sent the form to the bank. This happened once before, years ago, and I did file a complaint.
I have been making my payments. They claim they did not receive the XXXX payment, and I know the first XXXX payment did n't make it through the bank so I immediately re-issued the payment and then continued on in XXXX. Their amounts do not reflect the proper amount owed on the account.
I KNOW that they have to provide me with enough time to file my exemption in the case of a garnishment or account levy. They will claim it was a different account number, however, all amounts show the SAME account number. I feel I am being harassed nonstop by these people, after we have made an agreement. Please make them STOP!!!!! I am TRYING to get this debt cleared up, repeated attacks from them after we made an agreement are not helping!!!!!
I am attaching documentation, however, I am not attaching every receipt, as you have all of that from my previous claim and I doubt that you want to read through it all again. I WILL provide it if necessary. I have provided the garnishment/levy notice, the date it was postmarked, the date the funds were levied from my PARENT 'S account and the original settlement letter. Please let me know if you need anything else.
Thank you so much for your time!
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Company believes complaint represents an opportunity for improvement to better serve consumers | Today XXXX/XXXX/XX/XX/2015, I contacted Stellar Recovery XXXX to resolve an acct my husband has outstanding. My call was directed to an employee named XXXX XXXX. Upon initiation of this call with XXXX XXXX I asked to see if a check had been received, that was sent out XXXX/XXXX/XX/XX/2015, to settle the acct in full. From the beginning XXXX XXXX tone was condescending and demeaning. He XXXX informed me the acct had been settled and then immediately retracted his statement saying that it was not settled because the company no longer handles the acct and any check received will be declined. He further stated, in his words " That 's why you should make payments over the phone when we call ''. I asked for clarification as to who now handles the acct now. He did not immediately relinquish this information, which then lead me to ask for his name and to speak to his supervisor. At this point XXXX XXXX began to berate me in a unprofessional/unwarranted tone. He told me a supervisor was not available to speak with. I then asked to speak to another employee, to which he did not agree but threatened to terminate to call. After approximately 5 minutes of back and forth with XXXX XXXX requesting to speak to another employee I informed him that I am 8 months pregnant and did not need any extra stress.
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Company chooses not to provide a public response | I made contact with Quicken Loans regarding a potential mortgage ... ..they provide no way to unsubscribe from their email distribution list. Also, even when you are emphatic that you do not want any of their services, they will not stop calling you on the phone.
I would never recommend this company to anyone, they are a nuisance.
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Company chooses not to provide a public response | I have been in contact with the Citibank to settle their Sears Master card, as they as they promised to take a small sum. But without giving me a chance, they have been addingbeen adding late fees, interest, etc., every month to furhter inflate the total balance. Their customer service does not help, nor theirsenior officials.
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Company chooses not to provide a public response | I checked my credit score through Experian on or about XXXX XXXX, 2015. On their screen was an offer to check my FICO for one dollar. So I did it and gave Experian my credit card number. In their terms and conditions, which I did n't read ( like most people ) they have that old scam of charging my credit card a membership fee after 7 days if I do n't contact them and cancel. So after 7 days, they charged my card {$21.00}. I contacted them by phone on XXXX XXXX, 2015. The employee named XXXX, told me that the 7 day notice is in the term and conditions and I was n't eligible for a refund. XXXX suggested I could dispute it. I had called my bank and to dispute it I would be issued another credit card. That would take from 7 to 10 days. I did n't want to be without a credit card for that long since I pay mostly by credit card during the month, then pay it when it comes due. So Experian lured me in with a one dollar FICO check. I think that 7 day nonsense should be clearly stated on the screen not in terms and conditions.
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Company chooses not to provide a public response | XXXX/ACCT XXXX used an expired Bank of America debit card to charge a fee. Bank of America allowed the debit which overdrew my account. They refuse to refund the {$35.00} 00 fee. I am trying to close my account which is why the debit card is expired.
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Company disputes the facts presented in the complaint | I am receiving letters from credit collection services for XXXX bill that I do not owe, I have never had any accounts with XXXX,
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Company believes it acted appropriately as authorized by contract or law | This is regarding the house we rent in XXXX. The XXXX XXXX XXXX is continued to collect money from us stating we owe them money. We moved out the house on XXXX XXXX, 2014 to moved to XXXX. I let the XXXX XXXX XXXX know that we will be leaving on XXXX XXXX, 2014. We let them know, that my brother is going to give them the key for the house and they said, it will not be a problem. My brother had asked him to go with him to to check and inspect the house with him but refuse to do it with my brother.
The HP Sears Agency is collecting money from us stating we owe {$1000.00}. The house was in a good condition when we left, but they stating there 's some repair that they did in the house and plus the shampoo and cleaning. We had a deposit for {$1200.00} in that house that they never return to us.
Now, the XXXX XXXX XXXX had pass bill to the HPSears collection and asking us to pay for this bill.
I am writing to dispute this bill and we know they have intended to ruin our credit. I do n't know what steps I need to do in order to stop this collection.
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Company chooses not to provide a public response | I attempted to settle this debt with this company back in the begin of XXXX, I spoke with an employee by the name of XXXX XXXX, who I asked if i could be sent a settlement letter to settle the balance owed on a previous XXXX bill I had, I asked if I could have it sent via email or fax, the employee advised me that they could not do that. I said ok and we disconnected the call. I attempted again around the XXXX of XXXX and I spoke with an employee by the name of XXXX XXXX @ XXXX XXXX, who was very nice and I asked her I needed a settlement letter or something stating the validity of this debt, I asked her if she could fax or send me this letter, she stated no we can not do that, she stated she could mail me the letter, she verified my address, I asked her if she knew how long it would take, and she stated about 3 business days, since we XXXX are out of Arizona. Today is XXXX/XXXX/2015 and I have not been mailed anything to prove this debt. Prior to XXXX/XXXX/15, on XXXX/XXXX/15, I attempted calling to see why I never received this letter and I spoke to a receptionist who stated that the department were my case was handled had closed early and to try calling back on monday XXXX/XXXX/15, I asked if she could help me, she stated she could not see anything they could. I made multiple attempts today XXXX/XXXX/15 to call and speak with somebody and everytime I called the company, they asked me for my account number and I entered it, then I entered the ext of XXXX XXXX, nothing but a voicemail stating to leave my info to have someone call me back. I did not leave my information.
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Company chooses not to provide a public response | I received my escrow account statement from my new servicer ( SLS Mortgages ). SLS obtained my mortgage from XXXX XXXX XXXX in XXXX 2015. SLS is trying to force me to keep 2 months escrow payment in my escrow account. The shortage is almost double the 2 month requirement. SLS tells me that they can require me to keep 2 months escrow payments in my escrow account. Is this correct? Why is it almost double the amount of 2 months. My escrow payment for my taxes and insurance is less than what the payment was before the analysis.
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Company believes complaint is the result of an isolated error | My wife and I have owned and occupied a XXXX home property in XXXX since XXXX. In XXXX we experienced a loss of income that caused us to fall behind on our mortgage payments. Our income improved in XXXX and XXXX to the point that we became eligible for potential loan modifications. In XXXX XXXX, after making the XXXX XXXX trial payments, we were approved for, and successfully executed a loan modification agreement with the lender ( Select Portfolio Servicing , Inc. ). In XXXX XXXX our lender sent us a new loan modification application with different terms including a higher interest rate structure in future years, and with no explanation as to why they were sending us the new, and unsolicited application. We called the lender and were told it was probably a mistake. By XXXX XXXX we began receiving notices that we were in default of the original mortgage ( as if the loan modification never occurred ), although we had continued to make all required loan modification payments. We escalated the matter with the lender while continuing to make the required payments until XXXX XXXX because at that point the lender was requiring higher payments than allowed under the existing loan modification agreement, and they threatened foreclosure if we did not pay the higher amount. At that point we began withholding additional payments and have instead held those payments in escrow. In XXXX, the lender alleged for the XXXX time that the original modification was never implemented because of some error in calculating the escrow balance for the account. This is the XXXX time they ever gave us any explanation or indication as to what happened to the fully executed loan modification agreement. The lender is now moving ahead with its plan to foreclose and refuses to honor the terms of the original loan modification executed in XXXX XXXX, through no fault of our own.
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Company chooses not to provide a public response | TransUnion provides an invalid address and zip code combination for receiving consumer disputes. Because the Postal Service will only deliver certified mail ( return receipt requested ) to an address and zip code combination recognized as valid in the USPS system, TransUnion 's failure to provide consumers with a proper address makes it impossible for consumers to obtain proof that they mailed dispute documentation to TransUnion. USPS refuses to deliver certified mail to the address TransUnion provides for consumer dispute documentation.
TransUnion provides this address and zip code for disputes : TransUnion Consumer RelationsPO Box XXXX PA XXXX I attempted to mail a certified letter containing documentation relevant to my dispute, USPS refused. They said it was not a valid zip code and address. I reconfirmed the zip code and address with TransUnion. I also checked forums to see if other consumers were having this problem, and sure enough, it is being reported in various consumer complaint forums ( for example XXXX ).
I called TransUnion to request a different zip code. I was told that the above address and zip code combination was correct. They told me if I was having problems with that zip code, I could fax the materials. I was given a list of XXXX items that had to be included in the fax, in order, or the fax would not be accepted. I was also told the fax number was often busy, and so I should attempt to fax my materials multiple times.
I concluded that TransUnion was intentionally making it difficult for consumers to dispute items on their credit reports.
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Company can't verify or dispute the facts in the complaint | The representative requested my full Social Security number over the phone. XXXX ( requested that I repeat ).
Further, I was informed that the company would not send correspondence regarding my account information with a firm NO. When I requested to know why the company could not send information in writing, I was given a nonsensical answer.
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Company chooses not to provide a public response | I asked for a quote on lights from, XXXX XXXX, of XXXX. On XXXX XXXX I received quotes from XXXX XXXX for the lights ( {$6700.00} ) and light stands ( {$1100.00} ). I was told that there " may '' also be a shipping charge and that if so " XXXX '' would review that with me. I approved the XXXX quotes and authorized those charges to my credit card.
I was never provided a quote for shipping. XXXX did not review any shipping charges with me or seek authorization for any shipping charges. On XXXX XXXX an unauthorized charge for {$590.00} was made to my credit card.
I disputed this charge with Bank of America by phone and mail. I received a response from Bank of America that stated this was not a 'duplicate transaction ' and therefore 'valid '. I never stated that this was a duplicate transaction rather I explained in writing and by phone that it was an unauthorized charge.They provided an invoice from the company which showed the unauthorized charge -- that invoice was created ( as stated on the invoice ) after the unauthorized charge.The relevant invoice is the one that I authorized prior to any charges which does not include a {$590.00} charge.
On XXXX XXXX, 2015 I called Bank of America at XXXX and explained the details to the representative. She told me that because I had authorized a charge for the lights that the additional {$590.00} unauthorized charge could not be disputed.
I am writing to ask that the {$590.00} which was not authorized be credited back to me.
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Company believes it acted appropriately as authorized by contract or law | On recommendation of my realtor, my wife and I approached McLean Mortgage Corporation based in XXXX, VA, and loan officer XXXX XXXX, in XXXX Virginia, about obtaining a preliminary estimate ( Loan Scenario Worksheet ) for a lot/construction loan for a potential future purchase.
Our initial conference call was on XXXX/XXXX/15. No specific land or dwelling was specified, and we did not formally apply for a loan, nor did we sign any documents with McLean. On this call, I clearly stated, as my wife can verify, this was to understand estimates for closing costs, and NO credit report should be pulled, as it could impact our credit score adversely if we went with another lender.
In a subsequent face-to-face meeting on XXXX, XXXX XXXX admitted she HAD pulled our credit, without written, email or verbal approval. Subsequently, we determined we were not going to pursue new construction at this time. Unannounced, I was very disturbed by a letter from McLean in the mail XXXX/XXXX/15 titled " Statement of Credit Denial '' with a loan number for purchase of property NA. Since we did not formally apply for a loan, there should not have been any loan tracking number, amount or interest rate!
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Company chooses not to provide a public response | I have contacted Trans Union several times since early XX/XX/XXXX to remove information on my credit report that belongs to someone else. The other person 's information on my report died in XX/XX/XXXX and because his SSN is similar to mine, I can not get Trans Union to remove his death claim from my credit report, in spite of my repeated requests. I am being denied car insurance and cell phone service because of their error. Every time I call Trans Union I am told " the problem will be fixed in 5 days '' but it is never fixed and no one really looks into it to help me.
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Company chooses not to provide a public response | In XX/XX/XXXX my bloomingdales card was compromised and some fraudulent activity occurred. I made a dispute and investigation was started. When I initially made this dispute, I also made a XXXX payment on my account. When I spoke to someone from the fraud department, they informed me that I would not be required to make any payments on my account until the investigation was complete. The investigation has now been completed and I was given credit back into my account. I went in to a bloomingdales department store on XXXX to make a payment and was told my account was closed. The sales associated connected on telephone with customer service who then informed that it was closed and error and she tried to reinstate it but could not because it was a sunday and the department she needed to reinstated was closed. She told me to call back on Monday.
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Company believes it acted appropriately as authorized by contract or law | I XXXX of 2015, I called Sallie Mae to get an issue with a form squared away. My employer, the XXXX XXXX, offers a loan repayment program and Sallie Mae had not filled out a form that I sent them in XX/XX/XXXX. It had been 5 months. Because that issue was addressed, I paid form XXXX of my loans to be deferred until my form went through. The Sallie Mae employer told me the date that repayment would begin, XXXX XXXX, and played by the consent recording, where the date was played again, XXXX XXXX. I agreed and paid the {$50.00}.
On XXXX XXXX, while trying to refinance my loans, I was told that my loan was in delinquency status because a payment was due in XXXX. I pushed the Sallie Mae employee on why this was changed without notifying me and that I and my XX/XX/XXXX account manager set up a XXXX XXXX deferment pay date. She flippantly apologized for the mix-up, but stated that she could n't do anything to fix it. She said that she would notify her superiors. That employee 's name is XXXX XXXX.
On XXXX XXXX, I called Sallie Mae again, and the employee I spoke to actually reviewed my account and noticed that there was a mistake, and said that it would be fixed. It has not been fixed. And my loan refinance provider requires a statement from Sallie Mae where my loan is not in delinquency status. And if Sallie Mae had not made their error, I would not be in delinquency status because I would be in deferment. But because they made their error and refused to fix it, I now have to pay for XXXX payments to get out of delinquency just to refinance my loan ( rather than pay for none ). And my fear is that Sallie Mae will continue to drag this process out until it is past my agreed upon ( XXXX XXXX ) deferment date, and then say, " Well, it 's moot now, '' and force me to pay before I can refinance my loans.
This is the quintessential definition of fraud, a deliberate deception and unwillingness to rectify an error in a timely manner until it is too late. I was played the recording which stated XXXX XXXX. I was told XXXX XXXX. I agreed to XXXX XXXX. And then suddenly, without notice or warning, my deferment date was changed to XX/XX/XXXX. Which is why I am trying to refinance my Sallie Mae loans to leave their awful service. But I am being forced to pay the {$850.00} as ransom because THEY made an error and refuse to fix it within the agreed upon deferment period.
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Company chooses not to provide a public response | I applied for XXXX about a month ago after hearing alot of positive feedback. I was looking for a flexible summerjob and it seemed to be XXXX. I filled out the information on the website that was required. I did not do a backgroundcheck for that required extra money. About XXXX days later, I received an email from someone who claimed to be XXXX and needed a babysitter for his son XXXX for the summer months as they move to XXXX for vacation. I was excited andagreed to the offer. I was also told that I would receive a week for the job for XXXX times a week. I was told I wouldreceive a check in the mail to run errands before they arrive. The check came and it would not process through the bank.
The bank told me it was because I am not used to depositing such a large amount ( {$1900.00} ) at once for I usually depositbetweeen $ XXXX {$400.00}.
The next job offer I received was to babysit a babygirl named XXXX a few times a week. The dates would n't confilct soI took the job. This time the check was for {$2700.00} to send to housing agents and someone to ship the toys for the kid.
The story was the family got relocated for a job. I was supposed to meet them Monday XXXX XXXX for icecream to meet thefamily.
The last job offer was from XXXX XXXX siply to run errands, not to babysit. The check was for {$1800.00}.
Overall, the bank did not tell me these checks were fraudulent so I transferred the money and now the banks are asking for {$3500.00} to pay back.
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Company chooses not to provide a public response | Hello, I am a XXXX agent, I am working on a short sale and US Bank is holds the XXXX lien. I have documented EVERY conversation, email and fax. They have not responded to ANY communication since XXXX, and I have a pressing need to get the file assigned to a negotiator. The XXXX mortgage is with XXXX and they are already reviewing the file. They will likely give me an approval within XXXX weeks and US Bank has n't even confirmed a complete package!
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Company chooses not to provide a public response | The reward from my Bank of America XXXX XXXX XXXX in the form of miles ( XXXX for every dollar spent ) are not reaching my XXXX account. Innumerable calls to XXXX customer service department has been useless in solving this issue.
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Company believes it acted appropriately as authorized by contract or law | IQ Data International keeps calling me about a debt that my ex, XXXX XXXX, owes on an apartment that was in his name on the lease. They also say that XXXX paid {$600.00} to have this removed from his name, but then when I call back to confirm, they say that they have never talked to XXXX. XXXX also says they have never contacted him. I advised them they need to contact XXXX about this, but it is now showing on my credit report. Also, the XXXX time they contacted me, they never indicated they were a creditor ( I have had experience with other debt collectors and they always do this ). I also advised that I am going to dispute this and they claimed that I was trying to " evade my debt ''. I have asked for written proof of the amount owed and why the amount has changed each time I talk to them, but they are unable to provide anything in writing. This all sounds very fishy to me and if I am really liable for this debt, I would like to see the proof.
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Company believes it acted appropriately as authorized by contract or law | For several weeks a debt collector has been contacting my work and when told I am not available he asks to speak with my boss. I contacted this debt collector on XXXX/XXXX/XX/XX/2015 to discuss debt repayment options and told him to stop contacting my work as that is illegal. He told me that I had to fax a paper stating i do not want contacted at work. I also told him i am not allowed personal calls at work and if he contacts me in the evening I would answer his calls. The very next morning on XXXX/XXXX/XX/XX/2015 he contacted my work again. The office manager told him to quit calling work that this is illegal and hung up on him.
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Company chooses not to provide a public response | XXXX XXXX and US Bank have retracted some of the key features ( bonus night award ). of their loyalty visa signature credit card. I have paid {$75.00} to use these benefits, spent thousands of dollars on the card in the first 60 days and now they are taking away a benefit that I Just paid for. They advertised this benefit up to the last moment and without warning remove that feature ( XXXX months warning does n't count when we are talking about travel benefits ). I feel this is extreme bait and switch.
In the marketing material and in my signup legal paper work, XXXX XXXX and US Bank describe the " Bonus Night '' benefit as " bonus award night exclusively for card members ''. Card members must pay {$75.00} for this benefit. They then must use the card to earn points to use benefit. I have signed up for the card last month and already spend thousands of dollars on the card to use this benefit, that I was promised and paid for. Now they have sent all card member notice they are removing this benefit. A benefit I paid for and have not enjoyed. They gave card members 2 months notice. Unacceptable.
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Company chooses not to provide a public response | I have sent Transunion proof from XXXX Bank ( XXXX XXXX ) that the creditor agreed to remove the late payments on my closed account. Transunion has received this information several times yet do not update my account. I have been in contact with XXXX XXXX XXXX at XXXX Bank ( XXXX ext XXXX ) who has assured me that the late payments were removed on his end yet Transunion refuses to update my account.
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Company chooses not to provide a public response | On XXXX XXXX, 2012, while I was at work, I, XXXX XXXX XXXX, was forced out of my home for the XXXX time ; by which U.S. Bank, XXXX XXXX and its affiliates committed fraud upon the court, coercion, racketeering, conversion, GRAND THEFT, wrongful eviction, trespassing, breaking and entering, fraud, constructive fraud, etc., with the motive to cover up all loose ends of this mortgage transaction by confiscating all of my belongings in order to dispose of any incriminating evidence that chronicled my dealings with U.S. Bank that could possible yield to any potential wrong doing on their behalf. Since U.S. Bank fraudulently achieved a favorable foreclosure decision on the merit of abandonment, it is plausible to believe that the motive for why U.S. Bank needed to confiscate all my belongings without returning them is due in part that U.S. Bank could not turn around and request the courts to issue an eviction notice when it was U.S. Bank 's sworn testimony in court that my residence was deemed " abandoned '' by their preservation team XXXX!
With that being said, all evidence clearly indicates how U.S. Bank only contracted XXXX with the sole purpose in mind was for them to diminish and/or eliminate any potential defense against mortgage fraud with the perceived notion that once XXXX emptied out my home I would be without a justifiable defense to refute any mortgage documentation presented by U.S. Bank as being authentic. As a result, U.S. Bank, via my initial complaint with them, took the liberty to either replace my mortgage loan documents or alter them with fraudulent XXXX of their own [ XXXX ]. Nevertheless, when I filed former complaint ( s ) against the closing agent/notaryXXXX, along with complaint ( s ) against XXXX-who originated this loan-they confirmed via their response ( s ) that the documents presented by U.S. Bank were not documents prepared or presented for me to view and sign for at closing on the behalf of their notary [ XXXX ].
With that being said, I request for U.S. Bank, via the CFPB, to explain to me in detail why a ) did U.S. Bank intentionally and maliciously commit fraud by fabricating my loan documents with fraudalent signatures ; and b ) if U.S. Bank proclaims that they did not commit fraud by forging my signatures to mortgage documents for them to explain to me in detail the who, what, when, where of HOW U.S. Bank came to be in possession of fraudulent mortgage documentation that can not be accounted for by the originating source ( s ) who had me to sign " all '' applicable mortgage documents at closing XXXX XXXX ] that contridicts documentation U.S. Bank presented as being a part of my " original '' loan packet!
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Company chooses not to provide a public response | On or about XXXX XXXX, XXXX, I was approved for a Barclay credit card. When I Whehn I When I applied, I was comparing XXXX different cards offering 0 % interest.
The Barclay card offered 0 % interest for 14 months and I decided on it.
I was approved for a {$2000.00} credit limit and was told I would receive anemail with the terms. I never received that email.
My first billing statement showed no interest being charged, as expected.
However, my second billing statement showed interest of {$25.00}.
The third billing statement showed interest of {$3200.00}.
The fourth billing statement has interest of {$34.00}, even though thebalance was less than last month.
This was definitely a " bait and switch '' offer. I usually print out the termsof any offer or purchase I make online, but was n't given that opportunityby Barclay and was told I would receive an email from them, which I did.
However, they did nothing except tell me I was " approved ''. I received noterms either by email nor by regular mail.
When I called to complain, I was assured that, yes, I did agree to 24.99 % interest. There is NO WAY I would ever have even applied for this cardat that rate. I immediately cancelled the card. I did n't need it and onlyapplied in order to do some home remodeling at 0 % and then do abalance transfer from my other card. Now I 'm stuck paying off XXXX cards, the Barclay card having almost XXXX the interest rate as the XXXX XXXX I usually use. So far, this false/deceptive advertising has cost me {$92.00} since XXXX XXXX, XXXX, when it was supposed to be {$0.00} untilFebruary, XXXX. I attempted to attach the statements showing theinterest charges but was unable to do so. I will provide them if and whennecessary. Thank you.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | Receivables Performance Management placed a negative report to all three collection bureaus for a past due XXXX XXXX XXXX account that does n't even belong to me. They never tried to contact me in advance through mail or telephone. I have contacted XXXX XXXX XXXX and they confirmed that I do not owe this money and never had any infractions with them in the past. In fact, I am still a customer in good standing with them under a completely different account number. I called this XXXX party agency and they could n't give me straight answers. I mistakenly gave them my birthday for confirmation but when asked for my address or last XXXX of social security, I asked what they had on file and it was incorrect. This has scam written all over it.
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Company chooses not to provide a public response | My husband and I have a Bank of America Visa account My Name is XXXX XXXX XXXX XXXX XXXX XXXX has a XXXX XXXX Card and they confuse our XXXX names. Three years ago they had her information linked to our account. At that time I took this to the local branch to have it resolved. Last week I received a e-mail addressed to XXXX XXXX XXXX in regard to the branch visit on XXXX XXXX, 2015, I called to Bank of America fraud division and they stated she gave them our e-mail address., I 'm sorry but our e-mail is very different and not many people know the name. When I tried to take the survey to correct this and tell them that I did not visit the branch they gave me a pass word assume to XXXX XXXX XXXX account. We do not know if they have given our information out to this lady. How can a person be assured that this is not the case
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Company believes it acted appropriately as authorized by contract or law | SUBJECT : DEPENDENT IDENTITY THEFTI 'm writing to you immediately because this could be a bigger problem than most people realize. My previous employment was as an XXXX, so I am still concerned even though I 'm XXXX now about CYBER IDENTITY THEFT. I am a member of USAA Federal Credit Union. One of the benefits is giving your dependentsa savings account. Which I opened for my granddaughter so I could transfer funds to her while she is in college at XXXX University, XXXX XXXX, XXXX. The bank obviously new they were talking to a " minor, '' but up until XXXX when she turned XXXXI could access her account. This happened in XXXX, so How did I automatically become responsible for the debt?
Due to my training I think that her using the free WI-FI she was hacked when she put in her account and pin from her mobile device Below is the excerpt from the E-MAIL I sent to USAA as yet I have n't received any response : Could you make me understand how the fraud department came to the conclusion of an investigation and anotheraccount holder pays for it. My granddaughter 's account was compromised, she reported the card lost in XXXX.
Whoever, got hold to the card was also able to gain access to her mobile account and make large amounts ofdeposits and withdrawal totaling over {$10000.00}. Somehow after you allowed XXXX to go through you caught it and there was a {$4900.00} overdraftleft on her account which only had {$60.00} in it. So when I got my letter and contacted your representative I was told you could n't give me information because I was n't the registered account holder. When I contacted my granddaughter, in XXXX, she informed me she had already called USAA and that her account was blocked and she could n't get her {$60.00} to eat at school at XXXX University, XXXX. I informed her that I could see the transactions online but USAA refused to tell me what kind of investigation they were doing. No one confirmed that she was in Indiana, I 'm in XXXX and all the transactions were made from different ATM 's in XXXX, XXXX. I learned that just from looking at the statement. So your decision was to take my XXXX and Social Security check from my checking and savings account. You emptied my adopted daughters savings account, and my mothers. savings account. Then you 've started overdrawing my accounts for all the automatic payments that are bouncing at {$29.00} each. So can you explain this to me. I do have a XXXX from XXXX but not to the extent that I do n't comprehend.
Can you tell me why you just put my family in financial ruin for XXXX and the XXXX XXXX?
Please explain it to me. On your website for reporting fraud it distinctly says : USAA Bank XXXX XXXX a lost or stolen ATM/debit card on usaa.com or your USAA Mobile App.
A replacement ATM/debit card can be shipped to you the next day. ( Charges may apply. ) Report unrecognized transactions on your ATM/debit card by calling XXXX, day or night. After you make your report, USAA will immediately provide information on how the investigation and the compromised funds are being handled. " I want all my monies returned to include fees and overdrafts, I want the hold on my accounts transfer ability restored and my granddaughters account restored and active!
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | i attended XXXX XXXX, Pennsylvania for diesel and fabrication in XX/XX/XXXX-XX/XX/XXXX and they told me that they could get me a job after i got out the school but here it is XX/XX/XXXX almost three years later and still no job of any kind and it was n't from the lack of trying on my own, and recently the campus i had attended was sold off and closed similarly to the XXXX, Florida campus, and with this being how is it that you expect me to pay back my loans when the school could not follow through on thier promise, and further more earlier this year XXXX ( XXXX collages ) was sued and forced to pay back the loans for the students who still had loans out but it dont cover private loans so now again you me expect to pay you back the money i borrowed under the schools advice which they adivse all their students to get XXXX and perkins so they are your biggest asset and now you have lost that asset due to thier own negligence to the students the people who are the reason you get a paycheck and if you dont take of this matter ill personally make sure no student in the future will ever use XXXX again so as to put you out of business but use of the internet and put you of work cause you are too GREEDY to help those who have wronged and lied to by their respective schools.
hope to hear back soon
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Company believes it acted appropriately as authorized by contract or law | After first communication from XXXX for {$13.00}, called as they suggested if I could n't afford to pay. When I called they said very quickly " I did n't qualify and had to pay ''. After that received DAILY letters threatening me with reporting to credit agencies. Wrote them numerous times stating I was XXXX years old, am judgment proof ( last letter certified and I have receipt ), yet letters and phone calls continued unabated. Hospital takes blood and I do not know where it goes. I have no say in the matter. They continuously threaten to discontinue services. As if it could get no worse, they have now handed it over to a debt collection service ( American Medical Collection Agency ) who began with their threatening letters in addition to XXXX. They are making me sicker than I am by their continuing harrassment. I do not answer my phone and have missed important calls in connection with my health. They know full well my age and health. The phone and mail is driving me crazy. Please make them stop or let me know what action I can take against this unscrupulous operator who has spent more on calls and postage than the money they claim I owe. Paperwork can be furnished on request. PLEASE HELP!!!
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Company chooses not to provide a public response | I had an XXXX XXXX during XX/XX/XXXX. By spending money on the XXXX XXXX, you earn dividends at XXXX to spend in the store. I received my dividend recently and it appeared to be XXXX dollars short. On or about XX/XX/XXXX, I called US Bank, who administers the XXXX XXXX, and asked them what happened. I was told by the CSR that yes, US Bank had under-reported what I 'd spent on the card. US Bank reported I spent approximately {$11000.00} during XX/XX/XXXX, when I actually spent over {$20000.00}. I was then told US Bank would research and resolve this issue over the following 10 days. US Bank has failed to this. In attempting to resolve this issue, I have had a US Bank supervisor named " XXXX '' take my phone number and tell me that she would call me back. She never did. Today I called again and spoke with another supervisor. He also told me US Bank was still researching this issue. It has become clear to me that US Bank is purposefully ignoring or delaying the correct reporting of what I spent on its XXXX XXXX to XXXX. This is in direct violation of the terms of the XXXX XXXX credit card and, in a court of law, may be considered a breach of contract. I hope that if other consumers are also having this problem with US Bank, that the Consumer Financial Protection Bureau will take action.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | Enhanced Recovery Company , LLC has reported a debt in collections that is not mine on my credit report. I had it removed 3 years ago by XXXX, and on XX/XX/XXXX they reported it on my credit report again. I attempted to contact them to remove the collections account and they informed me that I should email them with a copy of my credit report because they could not locate the account. I emailed them a copy of my credit report on XX/XX/XXXX. They responded on XX/XX/XXXX stating they could still not locate the account and to provide additional information. I provided this information and they responded again on XX/XX/XXXX stating that they located the account and provided payment details. I then telephoned their location and they stated that I did not send any emails and needed to send an email. After stating that I had already did this, they hung up on me. I called back and talked to another representative and she stated that they had no record of any of my emails and could not help me with the matter. In addition to only being able to tell me how to pay the debt that was n't mine, they also stated they could not discuss the debt with me since I was not the debtor.
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Company chooses not to provide a public response | unable to pay my loan to One Main Financial, ive told them verbally to do not call me and sent them certified letter stating that also, they continue to keep calling my work and im at risk of loosing my job,
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Company chooses not to provide a public response | Made XXXX monthly payments, and was then unable to make payments due to change of work. Bank calls multiple times a day on " Robocall '' and then a person answers.
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Company chooses not to provide a public response | This took place in 2010 when I first moved to Arizona. I was playing with stepsister at pizza party climbing in XXXX gym and broke a few ribs. The emergency room Dr. never informed me I guess he did not except my insurance. So they could n't get money from me the XXXX time around when it was XXXX they sell it to another collection place and they want XXXX I live on a fixed income XXXX mo. how can I pay
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Company chooses not to provide a public response | SUMMARY : As a prospecting Home Owner in XXXX, I wanted a local bank in the region of metro XXXX, XXXX to finance my home - I chose XXXX Bank and upon processing my loan to finance. I wanted to feel the need to if I had any questions about my loan or any circumstances of my situations, I had the pleasure to walk into the bank itself. My loan was sold to US BANK in which I had no control of. Since the transferred of the loan, I have not received the adequate of services of this lender. This loan servicer is located in the State of XXXX in which is not accessible for me. With a local bank that is accessible in your area will allow you to incorporate the questions and concerns of your mortgage - to have someone to speak in person says a lot to handle the future of your home. I was deprived of that by force ... not by choice. According to US BANK, I have been calling a CALL CENTER and spoken with a dozens of individuals in which half of them told me something different other than what the others said ... no consistency at all!! This is not a call center whereas I pay my phone bill, credit card, or check on my banking account - This is my home, my shelter, my dwelling!! My intent is to save my home, however, with dozens of denials from US BANK and too many inconsistencies based upon the documentations has really been appalling. The last Relations Manager on my account - XXXX, did not work effectively or efficiently for me to save my home. She was rude, very loud talking, and spoke with hostility in her voice. I have several times to ask for a new Relations Manager, however, I resulted back to her to contact. I was told I did not have enough income ( XXXX documented ), but yet, to work a second job and was told I made too much for a modification on my home ( XXXX verbally ). Majority of all documents ... at least 75 % would not contain any signatures or names. My original loan payment of {$1400.00} began XXXX/XXXX/XXXX - my ending mortgage payment of {$1400.00} is XXXX/XXXX/XXXX ... .where is the assistance or real modification?? How can one receive documents that you were denied without a signature or name of who denied you - How can one be approved for $ 10- {$30.00} dollars off your monthly mortgage without a signature or name of who approved you ... .only to say ... Sincerely, The Resolution Default/Loss Mitigations Department XXXX Too many inconsistencies, speaking with too many individuals and the bias decisions has led me to this point of mayhem!!
Sincerely, Damsel In Distress
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Company chooses not to provide a public response | I have been a customer of BB & T bank now for about 4 months and from inception, it has been a nightmare. I believe their fee processing borders on the unethical. Recently I was in a situation were BB & T charged me {$250.00} in fees for a returned item and overdraft situation. Because their systems are so inadequate, I received {$140.00} in unnecessary fees that I flat out refuse to pay. That said, I do accept responsibility for {$100.00} in fees ( XXXX returned item fees and an overdraft fee ). The worst part is that customer service has been almost antagonistic in dealing with me, and totally unhelpful. I have already moved on to a new bank and am willing to walk away completely from my current negative balance of {$450.00}. But to avoid a negative reporting on my credit and elsewhere, I would like to settle my current {$450.00} negative balance for {$310.00} and close my accounts. The difference being the previously mentioned {$140.00} in unethical fees.
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Company chooses not to provide a public response | I graduated with a XXXX from XXXX of the top XXXX in the country in fall of 2008 with a high GPA. Upon graduation, I had over {$130000.00} in combined private loans and federal loans. The admission counselors at the for-profit college where I received my degree told me that they had a strong job matching program for their graduates. They told me before I took out the loans to attend the college, that they would help me find a job upon graduation. When I was in my last few semesters before graduating, the director of the career development office discouraged me from seeking internships outside of career development office, and to only focus on the internships through the school program. I realized after applying to multiple internships through the college and not receiving any internship offers while in college, that I had been given terrible advice by the college. Since I graduated in 2008, I have applied to XXXX of internships and jobs. I have not received any offers for internships, part-time jobs, or full-time positions for what I have a degree in, a XXXX. I have only been able to find work in my field as an occasional XXXX, and that is rare. I have been forced to find work as a part-time XXXX while I continue to broaden my skills in XXXX and other talents. I have been unable to afford to pay any of my federal loans, private loans or interest back other than the occasional {$30.00} per month, which I ca n't even afford. I am bombarded by student loan debt collector calls daily, and I do n't know what to do. I truly feel that I should not have been able to get approved for such high loans to attend the college where I graduated from. I also feel that my school mislead me and gave me false information about it 's graduates success rate in finding work in their field. I feel lied to by my college, mislead and sold a fantasy in order to have students pay their massive tuition. For the past 6 years after graduating I have been struggling just to pay my rent and basic needs, when if I had been hired for full-time work in my field, I could be contributing to improving the economy. Our president should bailout our students who have a large amount of student loan debt by ( forgiving a great percentage of student loan debt ). Especially for students that graduated shortly before and after the great recession began in 2008. The president bailed out the banks and XXXX XXXX financial leaders, who are now becoming even more wealthy and powerful. Our government has done nothing of significance to help the students with debt to rebound from the fall of our economy. If student loan debt was forgiven in large part, I believe that our middle class would grow stronger again. Because there is no real student loan forgiveness policy in place, the struggling graduates continue to struggle and the banks and the top % XXXX get wealthier. When I took out my student loans before and during my degree program, the economy was doing great. I graduated at the worst possible time, and now I 'm suffering because I worked hard in college and received my degree. I would have never took out large loans, if I had known how difficult it would be to find work in my field. I need help and I do n't know where to turn. Any advice on what to do to find student loan debt relief would be greatly appreciated.
Thank you, Struggling College Graduate
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Company chooses not to provide a public response | I have been making payments to XXXX ( XXXX ) to : XXXX- XXXX accounts- XXXX should be XXXX\These accounts are showing XXXX days late
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Company chooses not to provide a public response | They have somehow contacted my mother although she has no connection to this debt and harrassed her calling multiple times per hour. I called them back, they were looking for another name other than my own and I told them to not use this number again to contact me and they told me they would n't and called me an " XXXX ''. The person on the other line is called " XXXX '' and she is extremely unprofessional, rude, lewd, and harrassing. I am being called multiple times per day starting XXXX XXXX up through today XXXX XXXX thus far.
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Company chooses not to provide a public response | I have been battling ID Theft for over 5 years now. The only part that will not resolve are federal student loans that ECMC has been garnishing my wages ( at XXXX point it was 25 % weekly pay ) and seizure of my tax refund. They have not responded to either of the XXXX lawyers that I hired or any other attempts that I have made on my own. I have proof with a police report AND that the loans were signed electronically without my authorization ( also includes a false address on the signature page ) but ECMC will not review anything to do with my case since it is easier to take the money from me. I am a single parent and the only financial support for myself and my child and as a result of ECMC refusing to cooperate, I am in extreme financial hardship. I want this ID Theft with the student loans to go away and all of the money that ECMC has garnished over the past 5 years to be returned to me.
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Company chooses not to provide a public response | transd union is reporting XXXX accts in error XXXX XXXX bank do n't belong to me they keep reporting in error as the acct do n't belong to me and blair was the wrong due date and such they have been reporting wrong and so far no one has done a thing to fine blair-comenity bank they should be fined for fraud
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Company chooses not to provide a public response | My house has been sold in Sheriffs sale. I have three months left to redeem it I want my house. this predatory and fraudulent HELP URGENT. I live here. This is a Bank of America Reverse Mortgage I did not know that in the three seconds it took me to sign. that paper I gave. my house awayThis is all I have the only place to live I want my house and land back. It is a nice house that Myfather left me in his will. My Father Husband and I built this house fifty five years ago. Im a senior citizen and a widow. I may live another twenty years. I raised my XXXX children here. HELP HELP HELP! UrgentI had XXXX XXXX XXXX and a XXXX accident It was not my fault XXXX. The Bank of America speed up the process to take my house away. They also sold my Loan which is against the law.To XXXX Mortgage in XXXX, Michigan
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Company disputes the facts presented in the complaint | Lady calls XXXX or XXXX per week for the past months asking me to pay something I do n't owe. I have told her around XXXX times to stop calling but she keeps calling. She has shouted, told me I am going to get in trouble and all sorts of threats. Terrible, terrible!
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Company chooses not to provide a public response | This account was open in XXXX 2008. I have never made a payment on this account and the name that appear on the Judgment is not my name. I have requested Trans Union to validate this account many time Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ]. I ask that this account be deleted from my credit report. XXXX XXXX
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Company believes it acted appropriately as authorized by contract or law | I was contacted by Douglas, Knight & Associates, Inc. about some money that I need to pay or set up a payment plan and if I do n't my TN driving license will be took from me. So I called but the lady who called me was busy when I returned the call back. No one returned my call so I called back the following morning. And i talked to the lady and told her I could set up a 10 $ payment plan and she told me it was n't enough. She got unprofessional and hung up the phone, so I called back to talk to the supervisor and Mrs.Lesey, the supervisor, also had an unprofessional attitude and continues to tell me that was not enough and what I need to pay. I proceeded to tell them that I 'm unemployed and on gov assistance and that was all i could afford that moment.
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Company chooses not to provide a public response | 1. I have been un-successfully trying to submit a dispute for all XXXX XXXX union auto loans as agreed to by XXXX in the attached e-mail. Also the history records, and the entries need to be taken out of " potentially negative '' results. There are XXXX separate accounts2. I have been unsuccessfully trying to get removed the XXXX collection account, " recovery '' item also agreed to by XXXX to remove in the attached e-mailThank you for your helpXXXX XXXXDOB : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX : XXXXXXXXXXXX : XXXX
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Company believes complaint represents an opportunity for improvement to better serve consumers | I filed for bankruptcy and received a discharge in XX/XX/XXXX. I had a second mortgage with XXXX XXXX XXXX, which was listed on the bankruptcy schedules. Nationstar Mortgage has continued collection activities against me attempting to collect the discharged debt. Nationstar Mortgage has recorded this discharged debt on my credit report as late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
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