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Company chooses not to provide a public response | I have been paying my SEARS credit card on-line for the last year. I took the electronic statements to save paper. Now I can not log into my account. The web site just hangs. I called them up and they stated that the account might be corrupt but they ca n't fix it. How am I suppose to pay for an account that I ca n't access and they ca n't fix? I no longer get printed statements so this is XXXX. Tell Citibank/SEARS to fix their system so I can make the payment I was making.
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Company chooses not to provide a public response | We received a settlement offer letter. We accepted the settlement and paid the amount in full in a single transaction. Collection agency for Citibank - Sears Card was XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MO XXXX. We continued to receive balance billing with interest from Sears. Contacted Sears who referred me back to XXXX. Several transfers and long hold times. XXXX was helpful in offering to provide a " paid in full '' notice, but Citibank refuses to review or provide any assistance.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | I financed a vehicle through AFS on XXXX/XXXX/2014, with a loan agreement of {$13000.00} owed at a 19.95 % finance rate. I made 16 payments on this vehicle, totaling close to {$7000.00}, and was in a car accident and the vehicle was totaled. My insurance company paid AFS {$10000.00}, making the total amount paid on this loan over {$21000.00}, with it being reported that over {$6500.00} was paid towards interest. I paid off this vehicle in 16 months when it was a 50 month loan and it specifically states in the documentation that there is no penalty for paying off the vehicle sooner. Given the fact that I made payments of {$400.00} each month, for 16 months always on time and the total paid by my insurance company being over {$10000.00}, AFS charged me a finance percentage rate of nearly 50 %, when it should have stayed the 19.95 per our contract. I am owed at least {$3500.00} according to their own record keeping and contracts I had signed when purchasing the car.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | I received a XXXX XXXX American Express credit card invitation in the mail. I applied on line and fulfilled the purchase requirement for an additional {$300.00} bonus. The paperwork stated to wait 6 to 8 weeks after the {$2000.00} purchase threshold was met to receive the bonus. When I did not I called customer service. I was told I was not eligible with an explanation that made no sense. Please help. Thanks
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Company chooses not to provide a public response | continued attempt to collect the debt which is not mine, also hitting using various sources in different names, heading and hitting my credit history via credit reporting agency.
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Company chooses not to provide a public response | They have been calling me stating that they are going to be serving me with papers. I tried to contact them back and was basically told that I needed to pay {$1200.00} by debit or credit card over the phone. I asked for proof and was denied. They will not give you any information other than the company name, Lionstone Holdings Group and that it 's a " XXXX XXXX '' office. They say that it 's a legal office and it 's not. Their tactics are to scare and get people to pay something that they are not even contractually collecting on. They do not recite the FDCPA or follow any guidelines.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian does not have any account reporting for my XXXX XXXX accounts.
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Company believes it acted appropriately as authorized by contract or law | We have paid our mortgage payment each month in full. Our next payment is supposed to be due on XXXX XXXX, XXXX.
We had recently did a recast of our loan ( an incentive offered by the Treasury department for always being current with our XXXX XXXX ) I understand that it might take a few days for your system to be updated, however when I logged in to my ditech account .It is stating I am 78 days behind. There are unapplied funds ( my XXXX, XXXX and XXXX payments ) just sitting there and nobody is updating the system to reflect I am current. The system is saying I owe {$4100.00} ( XXXX payments ) and is due XXXX XXXX, XXXX. This is incorrect as I am current on my mortgage and not even one day late.
I spoke to loss mitigation and they told me to be patient until my recast is updated, but in the meantime I am getting nasty collection calls even though I am not late. I am requesting that these unapplied funds be released immediately to reflect my status as current. I am also trying to make sure that I am not being reported late to the credit bureaus.
If you look at my payment history you will see I 've made my payments on time every month. I am constantly getting the run around when I call. My account rep does n't return my calls, and because I am in a late status my phone calls go right to her voicemail. I need someone at ditech to manually go into their system and update my status as current and release my unapplied funds.
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Company believes it acted appropriately as authorized by contract or law | I received a letter from Credit Protection Association in XXXX regarding a debt that they claimed that I owed in New York on a debt that I am not familiar with. I responded to their letter within the 30 day period asking them to verify the validity of the debt. I did not hear anything from Credit Protection Agency until I noticed that my credit report showed a collection in the amount of {$10000.00} stating that I owe this debt. I have not received any documents to this date that this debt is mine and I do n't think they have the right to place it on my report, reporting a current opening date of XXXX 2015. Even the opening date on the credit report was placed on my report before I received the letter in XXXX.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | This debt was included in a Chapter XXXX Bankruptcy and the loan was not reaffirmed nor would the Judge of the Bankruptcy grant a reaffirmation because of the balance. They tried to do a loan modification with me and put me on trial payments, I have {$4800.00} sitting in a Suspense account that they have not applied to my account that i had with them. I have asked that funds be returned to me from U.S. Bank Home Mortgage and they are refusing to return the funds to me. This debt was discharged in my Bankruptcy back in 2012. I spoke with a guy named XXXX I was told that they call him XXXX, who was very rude about the situation, and point blank told me that I was n't going to get the funds back from U.S. Bank and they I should have never sent them in. U.S.Bank is in litigation in the United States District Court for the XXXX District of Florida Case No. XXXX, for charging people for placing Hazard, Flood, Flood Gap, or Wind place Insurance policies on Consumer 's residential property.
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Company disputes the facts presented in the complaint | Coastal Credit LLC ( XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX XXXXXXXXXXXX ) has refused to let me pay off my vehicle and report to the credit bureaus that it has been paid. They said they will not provide me with a letter saying that it will be paid. I want to know that if I make this final payment that it will be reported to the credit bureaus.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | My wife and I bought a house in XXXX XXXX ; the closing took place in XXXX XXXX, XXXX. At that time, our monthly payment was calculated at {$2200.00}, with our first payment being due on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, we received a letter from Flagstar Bank that our monthly payment would increase to {$3700.00} because they had miscalculated the property taxes and insurance. We tried to negotiate with the bank that we could not pay the increased amount, but the bank refused to negotiate with us. We continued to pay the agreed upon monthly payment of {$2200.00} until XXXX XXXX, XXXX, when our payment was returned to us. We also received a check in the mail for {$3000.00} with no explanation. We have been unable to reach anyone at the bank since that time, we have no idea what the status of the account it, we never received foreclosure paperwork, and it is showing up as a negative account on our credit reports. Also, this was a VA Loan, and if it goes into foreclosure, we will lose our VA Loan benefit for future purposes. I was told by a legal assistance attorney at a XXXX XXXX Assistance Office that my rights under the Real Estate Settlement Procedures Act may have been violated, specifically, that the bank was supposed to make a good faith effort to estimate the fees associated with the property at the time of the purchase contract, that they were supposed to give us an actual estimate of the expenses 3 days prior to closing, and that they may have violated the law with regard to the escrow account.
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Company chooses not to provide a public response | I purchased furniture from XXXX and all the furniture is broken and defective now. I have n't had the furniture for a year, but the furniture is all broke and defective. I received furniture of poor quality and materials. I was charged {$4000.00} for the future. I sent a complaint to Wells Fargo and XXXX XXXX back in XXXX 2015. I received a letter from Wells Fargo Financial National Bank on XXXX XXXX, 2015, in regards to my complaint. Wells Fargo Financial National Bank informed me, my disputed charge, was valid. Review Consumer Financial Protection Bureau Case # : XXXX. I want Wells Fargo Financial National Bank to issue me a credit of {$4000.00} and send me a new card as well.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | I sent Experian a certified mail request for METHOD OF VERIFICATION form which I will attach for the following accounts that do not belong to me. The accounts are : XXXX XXXX, XXXX XXXX XXXX conn, XXXX XXXX, applied bank, and cbna sears all which do not belong to me and the response was that it was " verified ''. According to my METHOD OF VERIFICATION form they did not send the requested information to verify these accounts. I also disputed a BANKRUPTCY which I called Experian and spoke with a representative who put me on hold to call the courts in XXXX Ohio only to find out they do not give out information on the phone but still did not verify the BANKRUPTCY but in there results they put " REMAINS ''. None of these accounts were verified Experian have not verified these accounts. I sent the METHOD OF VERIFICATION form certified and I have receipt to show and I can email a copy of the receipt to Consumerfinance.gov if requested. I HAVE ATTACHED THE FORM THAT I SENT CERTIFIED TO EXPERIAN.
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Company chooses not to provide a public response | I have asked Sears/Citi Bank for a long time to remove these late payments. At the end of XXXX they Sears/Citi Bank said I was such a great customer that I did not have to make any payment for the first 3 months of XXXX. As you can see from the prior and post payment history, I was never late paying this credit card.
So I took advantage of the offer and look what happened?
Now they ca n't even report it correctly? Every bureau is reporting a totally different and inaccurate payment history. So either remove the fictiticous late payments or remove the entire error ridden account. But do something according to the FCRA & FCBA laws!!!
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Company believes it acted appropriately as authorized by contract or law | I have tried several times to remove a checking account and debit card from my Paypal wallet. Every time I try to remove either, I receive these errors : " Sorry, you ca n't remove this bank account because of a pending transaction. Please try again later '' or " Sorry, you ca n't remove this card right now. Please try again after all transactions have been processed. '' There are no pending transactions, and my last transaction was over XXXX weeks ago.
I have been trying to XXXX out this checking account in order to close it. I added my new checking account to my Paypal wallet, but the automatic payments I have set up through Paypal charged the old account, resulting in my bank charging {$70.00} in overdraft fees.
According to the Paypal Community Help Forum, this is a common problem and several on this thread have theorized that it is in Paypal 's best interest to make it as difficult as possible to remove your accounts from being associated with Paypal : https : XXXX
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Company believes it acted appropriately as authorized by contract or law | the Hippa law as been violated as my medical information has been made public to my credit report agencies. This is a violation of my privacy.INCLUDED IN BANKRUPTCY
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | XXXX XXXX, XXXX Issue : Mother needs to be released as Co-Signer on Daughter 's Student Loan Accounts There are XXXX student loan accounts for me, where my mother is listed as a co-signer on. The agencies that serviced these accounts are Wells Fargo, XXXX XXXX XXXX, and XXXX. They have just written off my student loan accounts this year. Wells Fargo offered me a pay off my student loan since it dated back to XX/XX/XXXX. I was n't aware they reported it as a write-off on my mother 's credit reports.
I have been struggling paying my student loan accounts and have been on my own since XX/XX/XXXX. It has n't been easy with taking advantage of the use of forbearances and in/out of jobs over the years, doubling up on my payments, but I have managed/struggled to pay them myself. My mother has always taught me to be responsible for paying my own loans/debts, how to manage my mother ( as little as it is ), as well as being mindful of my credit and the consequences.
What I did n't know was that when my mother recently tried to apply for a Wells Fargo checking account, so that she can later purchase a home, and she was denied because of my student loan accounts, which were paid and written off. Her credit has suffered for over fifteen years now from being a co-signer, and I 'm just wondering how long a co-signer has to endure their credit being messed up because of my credit situation. She has long paid her dues and this is just pure torture from XXXX, XXXX XXXX XXXX, and Wells Fargo. My mom 's own credit is great and yet my old student loan debt has made it hard for her to acquire her own good credit history.
This is totally unfair to my mother whose credit has suffered from my pas inability to pay my own student debts and become more financial responsible. She ca n't apply for a home loan because of this situation and it is totally unfair. Is there not a statute of limitation for co-signers? This has gone on way too long.
I have myself through numerous disputes dating back several years, tried to get this issue resolved with the credit bureaus, who only take the word of the creditors. Wells Fargo, XXXX, and XXXX will have nothing to do with these accounts since they wrote them off, but they are more than happy to report negativity on them.
I truly hope you can rectify this situation, not so much for myself, which I continue to struggle with debt, but thanks to my mother, will never give up on balancing life and debt, but for my mother, whose credit history has been suffering long enough for my issues. I am working hard to build my credit back up, and my mother 's has suffered and been damaged as a co-signer of my student loans. Please help by having my student loan derogatoriness/damaging information be removed from my mother 's credit report as a co-signer.
Sincerely, XXXX XXXX XXXX
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Company chooses not to provide a public response | We have a Citi Best Buy card and have for years. Last XXXX we fell behind on our payment, due to the XXXX my husband lost his job. I thought Citi would work with us, unfortunately they would not budge. Our account went 3 months late. Even though I was making a payment, since it was not the full amount, Citi did not care and continued to add late payments. On XXXX XXXX, 2016, I spoke to an online chat rep asking if they could please lower the interest on the card so it would be more manageable for our family. I was told no and basically that I was irresponsible for letting the card go over its limit. I asked them to state that as a Citi repr they would not help us with the payment, I was again told I was irresponsible. I was n't asking to remove the debt, just to have a payment that was manageable. We have made every payment on time for years and were treated horribly at a time we needed to the help.
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Company believes it acted appropriately as authorized by contract or law | We purchased our current home while in the process of selling our previous home. Because our closing on our new home was prior to our closing on the old home, our down payment was only 8 %. XXXX months after closing on our new home, we closed on our old home and proceeded to pay an additional {$90000.00} on our new home. Our LTV became approximately 67 % of the loan value and less than that based on the appraised value. I thought that PMI would " roll off '' as we were well under the 80 % threshold. To be sure, I called our lender, USAA, and requested removal. Over XXXX days past the date of the request and when I was told it would be reviewed but " should not be a problem given the LTV '', I received a letter stating that a new appraisal was needed and that I should complete an application and send a check. However, no application or appraisal cost data was supplied. Further, the current appraisal, which was performed for closing, was less than XXXX months old and USAA 's own home value monitoring service placed my home value at {$30000.00} above appraisal. I called USAA and they insisted that the home value had declined in my area significantly and that they needed a new appraisal - despite results of the " service '' they are providing me for home value monitoring. They then stated that XXXX was an investor in my loan and was requiring it independent of USAA. They then stated that USAA was requiring it because it was standard procedure when a loan is " seasoned '' less than XXXX years. I specifically discussed with my loan processor our situation of having the XXXX homes at once and discussed with her prepayment penalties, PMI, etc. and her assurances all along were - that will be no problem.
In my response emails, I referred USAA to the federal reserve guidance for the removal of PMI, which states that : '' A borrower may initiate cancellation of PMI coverage by submitting a written request to the servicer. The servicer must take action to cancel PMI when the cancellation date occurs, which is when the principal balance of the loan reaches ( based on actual payments ) or is first scheduled to reach 80 percent of the " original value, '' XXXX irrespective of the outstanding balance, based upon the initial amortization schedule ( in the case of a fixed rate loan ) or amortization schedule then in effect ( in the case of an adjustable rate loan ... '' Original value is also defined in the guidance as " '' Original value '' is defined as the lesser of the sales price of the secured property as reflected in the purchase contract or, the appraised value at the time of loan consummation. In the case of a refinancing, the term means the appraised value relied upon by the lender to approve the refinance transaction.
This guidance clearly states that " [ t ] he servicer '', which would be USAA, must take action to cancel PMI when the cancellation date occurs, which is when the principal balance of the loan reaches ( based on actual payments ) ... 80 percent of the " original value. '' The definition of original value ties directly to the loan amount or the appraisal conducted at loan consummation and does not appear to require a new appraisal to " confirm '' those.
USAA, however, remains steadfast in their assertion that I must pay approximately {$370.00} - {$400.00} for a new appraisal despite how current the most recent appraisal is and the guidance provided above. I believe that this is a violation of my rights and federal reserve requirements.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | XXXX XXXX in XXXX Florida fraudently charged my credit card after agreeing to only use it for a {$1.00} XXXX time to get me started. They did that I repeated on tape that that was all I approved 5 times they agreed. Then they charged my card {$100.00} the next month forcing me to file a complaint and close my account at a cost to myself. Then I asked them to correct their billing they sent me a XXXX fee which again i was recorded agreeing to and no more then the charged the {$100.00} against a card instead of the {$49.00}. Then they would n't reduce it to what they promised I sent XXXX emails. They refused tried to negotiate {$60.00} instead of {$79.00} plus installation of XXXX which orginally they said was free. Now after I disconnected and repeatedly asked for bills at the {$49.00} for the XXXX month I was with them and sent back all my equipment which was verified with them and emailed XXXX more times they said they would have a manager review and work with me. They did n't they sent it to a collection agency fraudently. it was disputed at their level XXXX times via phone and email never verified now they have sent it to a collection agency and trying to charge for equipment they verified they received and XXXX know what else after they broke our contract by defrauding me with the use of my bank account and charging more then agreed. XXXX is disgusting in their fraud of lies of cost in using a bank account in a way not autherized and now not verifying a debt I demanded of them. Lastly my wife set up this account using my name and social security number which I didnt approve
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | Called Transunion to lower my monthly bill. They said, " the computer randomly selects who receives a lower rate, call back next month as see if the computer selected you. '' Really we are gambling with my membership and ability to monitor?
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | Approximately 1 1/2 years ago I submitted proof that I have no tax liens against me by suppling Fed tax lien release docs to all three reporting agencies. I also dispute any claims that I have unpaid or delinquent medical bills. There is nothing else that I am late with. I se3nt the letters by certified mail and to date, I have never heard from any of them. I will attach the docs that show the tax releases. I hope you can help me, as I am sure you are aware that it is very difficult to get any response from these agencies.
Thank you for your help XXXX XXXX
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Company believes it acted appropriately as authorized by contract or law | I have a checking account with TCF Bank. On Monday XXXX XXXX, the balance in the account was {$51.00}, purchases were made at XXXX XXXX for {$12.00}, XXXX XXXX for {$11.00}, XXXX XXXX for {$3.00}, and ( local grocer ) for {$7.00}. I checked my balance online the morning of Tuesday, XXXX XXXX, and saw that the XXXX transactions had posted to his account and funds had been withdrawn, and the remaining balance was {$16.00}, then he went to ( local grocer ) and purchased some groceries for a total of {$32.00}. I realized that this transaction was going to cause an overdraft ( for which he has protection ) and he decided to make the purchase anyway, knowing he would be assessed an overdraft fee of {$37.00}. When payday came on XXXX XXXX, he got online in the evening to check the deposit and found that the balance was much less than he had calculated. TCF had charged him a total of XXXX overdraft fees at {$37.00} each, XXXX of which were assessed on XXXX XXXX and a fourth fee was assessed on XXXX XXXX. We ( my wifeand I ) called the bank this morning ( Saturday, XXXX XXXX ) to notify them of the discrepancy. XXXX customer service reps and XXXX Lead Customer service Reps explained to us that the fees were assessed on the previous XXXX transactions because they were not actually posted, but pending, on XX/XX/XXXX and the bank posted them on XX/XX/XXXX along with the XXXX transaction. They blamed this on the merchants stating that TCF can not control when the merchant will make the demand for payment. TCF is using this process of " pending '' transactions to assess more fees to the customer, and then blaming the merchants when there is a complaint. We plan to close our account with TCF as soon as the payroll deposit cam be changed, but other customers need to be aware of this fraudulent practice, and merchants need to be made aware that TCF is blaming them. If TCF were the only bank we do business with, we would fall for this scam, however, we also bank with a local small-town bank and a bank much larger than TCF and we know that this practice is not " an industry standard '' as TCF representatives claim it to be. In the end, the TCF lead rep agreed to take off {$15.00} and then agreed to remove XXXX of the XXXX overdraft fees. To avoid this happening in the future, they offered that we could apply for a line of credit or open another savings account and link them, that way we would only be charged {$10.00} for each transaction. They still owe us {$74.00} which we seem to have no recourse for but to take them to court which would cost us more. This is criminal and they are getting away with it.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | I have no idea what constitutes a " final response '' from Trans Union. Please change your form so that this unreliable question is not a forced-choice requirement on your complaint forms. I need to get a copy of my TU report to XXXX XXXX XXXX XXXX which requires it to join. I have a security freeze on my report to minimize the amount of false junk that TU puts in my file. Today when I called it to temporarily release the freeze, it refused to do so. It also took a very long time, transferred me around and forced me to repeat the same information twice to XXXX different people. Along the way, I could not remember some number TU assigned to my account some time ago when I placed the freeze on my file. TU then wanted me to answer " security questions '', including where I use to work. I do not want to provide information to TU since it is a hostile party to me and is built on a business model that is hostile to my best interests. I do not want to confirm or deny that I use to work at any particular place, since I have seen it use this as a way to confirm its own records. I have nothing to gain but usually something to lose confirming information to TU it may not have obtained or have valid confirmation for. I asked the TU representation to ask me another, alternative question and he refused to do so. So, as is the usual drill with these obnoxious corporations that traffic in your personal information, then try to get you to confirm the garbage they collect and invent for you and then try to sell, I can not get them to release a report to XXXX XXXX XXXX XXXX.
Please require Trans Union to release my credit report to XXXX XXXX XXXX XXXX only and then immediately reinstitute the freeze on my account. In particular, I do not want TU selling personal information about me to any third party whatsoever besides XXXX XXXX.
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Company disputes the facts presented in the complaint | XXXX XXXX XXXX is trying to collect {$130.00} from me for a termination fee on a mini iPad. I have my receipts given at time of. Sale that clearly show termination fee of {$0.00}. About six hours after the purchase, I received a new contract via email that I did not agree to. This new contract contains a termination fee and my signature is forged on the contract and it 's clearly not mine. I went to XXXX and they told XXXX XXXX XXXX that I did not owe the fee but XXXX XXXX XXXX has pursued me for it. They have now turned it over to a collection agency to collect. The collection company is Prince-PARKER & Associates, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX. This company notified me by mail on XXXX XXXX, 2016. I replied on XXXX XXXX, 2016 stating that I do not owe this debt and included the receipts showing that I do not owe. Since then I have emailed them 5 times asking for proof of the debt and included my receipts. They have never replied to me as of this date. I believe they are in violation of Debt Collection laws as they will not respond to me, they will not supply proof that I owe the debt, they will not do anything. Today I called them and was given the excuse that they sent my paperwork back to XXXX XXXX XXXX and waiting for a response from them. That is not the way the law governing collection works. Today they also told me that XXXX XXXX XXXX says I owe the debt and will be " coming after me ''. They were quite nasty and threatening to me, a XXXX person XXXX. They told me they would come to my home in a very threatening manner.
I pay all my bills on time and currently have a credit score of XXXX. I told them if they damage my credit I will sue they. I was told that they wo n't damage my credit but they will DESTROY it!! I classify this as harassment, again a violation of the law. PLEASE USE THIS AS AN OFFICIAL COMPLAINT AGAINST THIS DEBTOR COLLECTOR. I have never had a debt collection letter in my life but I 'm not going to pay something that I do not owe.
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Company chooses not to provide a public response | In XX/XX/2011 I had to move my family out of an apartment at XXXX XXXX XXXX XXXX XXXX due my wife and newborn baby becoming very ill as a direct result of the apartment we were living in having black mold. The apartment manager agreed to allow us to move out due to the circumstances. Since that time the management company of the apartments, XXXX XXXX XXXX XXXX XXXX XXXX has placed a collection balance with a collection agency that in-turn has placed a derogatory collection entry on my credit report with all three credit reporting agencies. The apartments and management company furnished me with a letter on XXXX/XXXX/11 ( letter attached ) advising that the collection item would be deleted from my credit report, but to date it has not.
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Company chooses not to provide a public response | In late 2011 I had to move my family out of an apartment at XXXX XXXX XXXX XXXX XXXX due my wife and newborn baby becoming very ill as a direct result of the apartment we were living in having black mold. The apartment manager agreed to allow us to move out due to the circumstances. Since that time the management company of the apartments, XXXX XXXX XXXX XXXX XXXX XXXX has placed a collection balance with a collection agency that in-turn has placed a derogatory collection entry on my credit report with all three credit reporting agencies. The apartments and management company furnished me with a letter on XXXX/XXXX/11 ( letter attached ) advising that the collection item would be deleted from my credit report, but to date it has not.
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Company believes complaint represents an opportunity for improvement to better serve consumers | Approximately late XXXX I was contacted by a company stating I was overpaid on my XXXX disbursement a few years prior. Not knowing whether this was a legitimate debt I responded back wanting an explanation. I was not contacted back.
In XXXX XXXX I was sent a letter from Professional Credit Services stating I owed a debt of {$1000.00}. I responded back to them asking what this debt was concerning. They responded back and said I would need to contact Oregon XXXX as they were not sure.
I explained to them that if they were the XXXX collecting they needed to provide me with the information as it was not my debt.
I did not hear from them again until mid XXXX stating that I still owed {$1000.00}.
I consulted an Attorney friend and explained what was going on. As I was not paying for his sevices he just gave me some direction.
on XXXX I wrote the Following.
To : Professional Credit Services I am requesting ALL documentation regarding this matter of {$1000.00} owed.
Please mail all documents to my address, and allow me time for me an an Attorney could look them over to see what action should be taken.
One week later they responded with a letter stating I would have to contact Oregon XXXX.
On XXXX I wrote them back telling them being they had not provided me with any documentation, or any proof of this debt I was not taking any responsibility for this debt. I explained to them I had not had anything to do with Pers in over 10 years.
On XXXX I received another letter stating I still owe {$1000.00} and to contact them. I immediately wrote them back stating I do not feel I am responsible for this Debt and I feel they are harassing me and if the debt is correct why has it taken over 10+ years and there may be statutes of limitations. I explained to them to either leave me alone or take me to court to settle this dispute.
Today XXXX I received a response letter stating they want, my attorney name, phone and address. As I have not retained an attorney and do n't feel I should have to at my expense.
Could you please advise me as to the direction I should take as I am fed up dealing with matter.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX.
I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable.
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.
I look forward to an expedite resolution of this matter Thank you.
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX
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Company chooses not to provide a public response | XXXX continues not to update my credit file with all XXXX bureaus they state foreclosure an wrong amount I owe.
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Company believes the complaint is the result of a misunderstanding | I 'm XXXX years old. I have a full time steady job and make XXXX. I pay no rent and do n't have many bills, I 've been trying to get a car for a while but my credit score always says XXXX not bad or good but just XXXX I need help I really need to get a car I have money for the down payment and monthly payments I just need some sort of credit to help me
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | Quite a few year 's ago I had helped out a friend and put her cell phone in my name, which was a huge mistake. I found out a few year 's ago when I went to go purchase a cell phone of my own that I could not purchase it because someone had been using my information. I knew it was not me because I had no cell phone at this point. I now I see on my credit report information of an address that is not mine and I am terrified that someone is using my information.PLEASE help.
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Company chooses not to provide a public response | I have settled with XXXX XXXX XXXX over 5 years ago to an amount that was less than owed to them. They have received payments up to the total settled. XXXX XXXX XXXX never sent me a letter stating that the account was settled. I do n't know why they keep these figures on my report.
I have contacted them on many occasions and they are ignoring my requests. As far as I can say, I have fulfilled the terms of the agreement. They say that the person working the arrangements, XXXX, does n't work there anymore. How is that my fault if the employee handling the account is gone. This does n't speak were highly of a multimillion dollars corporation.In the meantime they are messing up my credit.
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Company believes it acted appropriately as authorized by contract or law | I have been contacted by USAA seven times today. Five times within one and a half hours. I had n't been answering the calls and when I did finally answer the call I spoke with " XXXX. '' He informed me that it was " irrelevant '' as to how many times he contacted me as long as I had n't answered the phone. I am submitting this complaint to inform XXXX and USAA that their collection methods are annoying and harassing and I would like it to stop. I will be submitting a written letter and request to USAA as well.
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | XXXX POSTED AN ACCOUNT ON MY CREDIT REPORT AND I NEVER RECIEVED A LETTER OR A CALL REGARDING THE ISSUE. I HAD NO IDEA ABOUT THE ACCOUNT UNTIL AFTER THEY POSTED THE ACCOUNT ON MY CREDIT REPORT. I WAS NEVER LATE WITH THIS ACCOUNT AND I SUBMITTED A 45 DAY NOTICE OF MOVING OUT TO THE APARTMENT COMPLEX. NOW THAT I FILED THE DISPUTE ON MY CREDIT REPORT, XXXX RECIEVED MY PHONE NUMBER FROM THEM AND LEFT A VOICEMAIL STATING PERSONAL AND PRIVATE INFORMATION. THEY STATED IN THE VOICEMIAL REGARDING A DEBT WHICH VIOLATES MY PRIVACY. THE PHONE NUMBER THAT XXXX CALLED ME FROM IS XXXX. MY ISSUE IS WITH PRO COLLECT VIOLATING MY PRIVACY AND NOT PROVIDING DOCUMENTATION OF A DEBT WITHIN A TIMELY/ LEGAL MANNER.
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Company chooses not to provide a public response | This complaint is in addition to my previous complaint, case # XXXX. We received a Notice of Final Judgment from LoanCare, informing us our property would be auctioned on XXXX XXXX, XXXX. LoanCare answered the prior complaint by stating they are no longer the holder of the promissory note or the servicer. They stated the note has been transferred and sold to XXXX XXXX. Furthermore, we were not served a Notice of Entry dtd XXXX/XXXX/XXXX as read in the court documents by XXXX law firm or by the referee, XXXX XXXX, thereby denying us our right of Due Process to Appeal or Answer to LoanCare 's allegations. We first recvd this Notice of Entry & Final Judgment on XXXX XXXX, XXXX via XXXX class mail. In my previous complaint, which you have on record, LoanCare answered by stating they are not the Servicer as of XXXX XXXX, XXXX. XXXX XXXX, who holds the Note and is the Assignment of Record is currently offering us loss mitigation resolutions, hence LoanCare is in violation of " dual-tracking ''. They are attempting to seize the property through illegal and unscrupulous acts. We find that LoanCare is in violation of 15 U.S. C1641 ( f ) ( 2 ) whereby servicers are under Federal obligation to disclose " true owner '' of the obligation. If LoanCare XXXX has sold the loan to XXXX XXXX, they why are they proceeding to foreclose on the property? LoanCare has not presented to us the original Note Affidavit of sell from XXXX XXXX to LoanCare, non-issuance of Commitment to Insure, non-issuance of Deed & Title Policy, non-issuance of Certificate of Release from orig. Title insurance, as we 've asked on numerous occasions.
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Company chooses not to provide a public response | I have previously contacted US Bank in reference to monthly account maintenance fees. I learned that the minimum account balance to avoid the fee is {$1500.00}. Despite having this minimum balance, on XXXX/XXXX/2015 I was charged this fee. This is in addition to XXXX previous months where I was charged, and US Bank had to waive, this fee. In this circumstance US Bank has declined even after multiple attempts to credit this fee despite it being charged due to bank error. This is a predatory fee that is being charged in error and must be credited.
The reason this account was left open with the balance was that US Bank sent me a promotional email titled " {$5.00} For XXXX ''. This is essentially where if I used my bank account for XXXX bill pay payments in the month of XXXX I would receive a {$5.00} account credit. I reviewed the fine print in the email and proceeded to schedule bill pays through US Bank 's website. I met all requirements that were laid out in the initial marketing email. I contacted US Bank on XXXX/XXXX/2015 to inquire why I have not received this {$5.00} promotional credit yet. In the reply, US Bank stated that there were additional requirements that I had not met. I went back to review the marketing literature again ( promotional email ) where no additional requirements were disclosed. This constitutes an unfair, abusive and predatory practice to enforce terms and conditions that were never provided to begin with. As all initial requirements were met the {$5.00} must be credited to my checking account.
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Company believes it acted appropriately as authorized by contract or law | USAA has sent me a check due to overpayment of escrow on my mortgage loan. I deposited the USAA check for XXXX and the check bounced/was an insufficient check and my bank charged me a fee of {$22.00} and now USAA has resent me a check for the {$21.00} but not the bounced check fee of {$22.00}. Please contact me concerning this transaction and refund my USAA account with the XXXX for the bounced check fee. I have attached a copy of the reissued check but USAA has not refunded my bounced check fee of {$22.00}. I notified USAA that I will be responding to the CFPB Consumer Financial Protection Bureau on this action immediately. Thank you.
XXXX XXXX
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Company believes it acted appropriately as authorized by contract or law | today my bank account was garnished for entire amount in my account, it was XXXX, I called the debt collecting agency that took my money and was told I would not be able to talk with the person that was handling my case, that they would be gone until XXXX/XXXX/16. Then I was told that nothing could be done for me and that I should wait and call back on Friday. I do not believe this to be accurate but feel that calling them will get me no help. My hands are now tied and I have NO money or resources and I am a single mother of a XXXX year old and do not even have money to get her food or pay my rent ( which will cause eviction actions ).
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | I have contacted Transunion several times but they just wo n't fix this. My XXXX XXXX credit card that I pay on time each month is not showing ( card # ending XXXX ).
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | I keep receiving calls from NCS Collections for an alleged payday loan that I do not owe. When I asked for the original creditor and documentation the caller refused to provide me with the request. I was then threatened with arrest and was told that I would be receiving a summons to appear in court. After conducting my own research it appears that this company has threatened consumers all across the country with these fraudulent payday loans and have violated the Fair Debit Collection Act on a daily basis.
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Company disputes the facts presented in the complaint | This company Spears Dewitt and Hall keep calling me about a debt I do not owe. They call me from several different numbers. They state the debt is from 2009 for an apartment complex. I asked them to send me information of this debt they say I owe from 7 years ago and they want send me any information. They keep calling everyday stating they need me to pay over the phone. I pulled my credit report several times over that 7yr time frame and that debt they say I owe was not listed. I needed them to stop calling me repeatedly. And making threaten statements to me about taking me to court or garnishing my wages.
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Company chooses not to provide a public response | I maintain a checking account and a savings account at Ally Bank. I keep a XXXX balance in the checking account and instead exclusively use my checking account with another financial institution, but I do keep money in my savings account at Ally. Yesterday I erroneously charged a {$58.00} transaction to my Ally checking account through XXXX, which the bank processed along with a {$25.00} overdraft fee.
I complained to Ally Bank that I had not opted into overdraft services, and that I would have preferred that they deny the transaction. They refunded my fee, but informed me that there was no way to opt out of overdraft coverage. With the increasing prevalence of online-authorized ACH payments for specific services, e.g. XXXX, it seems seems to me that Ally should offer an opportunity to opt out of such one-time transfers as required by Regulation E ( 12 CFR 1005.17 ( b ) ). Such transactions are more similar to one-time debit or ATM transactions than they are to reoccurring bill pay or check payments, and so I strongly feel they should be subject to the opt out requirement as well.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | Bank of America Home Loans is charging a {$6.00} surcharge for online payments, even though the payments are on time and not late.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | The office at XXXX Hospital personally keyed in the credit card info and amount said to be charged, each time we were there. Because they did not put in the right amount they are holding me responsible. It would be one thing if it was a one time mistake, but they charged the same amount 3 times and then say I did n't pay all of it. The card was to be run for the full amount.
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Company chooses not to provide a public response | Bank of America posted a balance overnight after midnight and automatically charged me an over draft fee. Their policy is you have 24 hours to rectify the situation and they ripped me off. I contacted XXXX managers who XXXX told me normally the policy is to allow consumers 24 hours to put the funds in. They were both extremely rude and condescending. They ripped me off and then gave me an attitude. I want my overdraft fee returned.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | Federal law, thru the credit card act of 2009, changes payment allocation and requires that credit card companies apply any additional payments ( minus the required minimum payment amount ) to the highest interest rate balance on my card. That is not happening! Bank of America and XXXX XXXX refuse to to apply additional payments to the balance with the highest interest. I keep referring to the Card Act and they wo n't change their practices saying they are meeting federal guidelines. I need to know what to do? I keep paying above the minimum payment and they keep applying most of it to the balance with the lower interest rate ( BOFA 9.99 % vs 24.99 % and XXXX 13.24 % vs 24.24 % )
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | XXXX XXXX ( Credit Agency ) for XXXX XXXX XXXX ( Original Creditor ) removed a debt for {$2200.00} from my credit report on XXXX XXXX, XXXX by XXXX it was back on my reports I hired XXXX to assist in fixing my credit and getting things removed from my credit report on XXXX XXXX, XXXX in agreements with XXXX they removed the debt from my credit report and at some point from then and now it is back on all XXXX of the major credit reporting agencies ( at {$2400.00} & {$2400.00} ) and I was never notified by XXXX, XXXX nor XXXX why or that it had been put back on.
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Company believes it acted appropriately as authorized by contract or law | I currently am paying a private student loan with XXXX/Loan Science, previously XXXX XXXX XXXX, and was out of full-time employment for seven months. After multiple attempts, they were totally unwilling to not only adjust my payment at the very least, but they were also unwilling to allow a forbearance, or deferment. As a result I have not been able to make payments, and they are dinging my credit constantly, and calling my home and my step-fathers ( co-signer ) home all hours of the day. I looked at an overview of my payments and since 2013 out of {$5500.00} paid, only {$230.00} has gone to the principal, the rest to interest and fees, its really legalized robbery.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | The Ohio Attorney General submitted correspondence to remove a State Lien from my credit repository accounts as they have been paid and released. The credit reporting agency has yet to successfully comply with this request after several letters from myself with attached documentation and from the Ohio Attorney General which held the lien.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | I have previously disputed these medical debt online with the credit reporting bureau 's and each time they continue to say the accounts are verified, but yet I never received anything and the debts would stay on my reports. Finally I sent Alliance Collection Agency a debt validation letter invoking my rights and utilizing the Texas XXXX XXXX. I specifically asked for XXXX XXXX info so that I know Alliance Collection is licensed to collect a debt in the state of Texas, I asked for some sort of a signed contact that authorizes Alliance Collection to collect this debt for the medical provider. I asked for a signed contact that was allegedly signed by me that I authorized the medical services. I asked for a number of things that I am entitled to under the Texas XXXX XXXX and I was ignored. When these debts originally happened years ago, I had an issue with identity theft and my brothers would take my personal ID and use it at their discretion. My brothers and I look a lot alike and that is why I find it absolutely important that I know these debts are mine and that I was not another victim of identity theft. I have had to deal with courts and police officers from the past because when my brothers would get in trouble, they would use my name and I would have to deal with it. Under Texas XXXX XXXX XXXX for debt validation I have had my rights as a Texas consumer violated and ignored. I sent Alliance Collection Agency a debt validation letter to confirm this debt is mine and they ignored my request. Under the current law,30 days should be enough time to validate such requests.And it has been well past the 30 day mark! I mailed the above named company I letter on XXXX/XXXX/15, they received and signed for the letter on XXXX/XXXX/15. They violated my request in 2 ways. 1, for ignoring my request, and 2, for continued attempt to collect on this debt by actively reporting to the XXXX major Credit Bureaus XXXX There is plenty of supporting case law to back this claim up, that actively reporting to the bureau 's is in deed a form of debt collection. I have not received any info from this collection agency to prove I owe this debt. I find it malicious, and I feel I have been taking advantage of by Alliance Collection Agency and I would like all accounts with Alliance Collection Agency removed and deleted from all XXXX credit bureau 's. I have uploaded supporting documents to help prove my case. In my supporting documents, you can see all the account numbers I referenced and that I needed debt validation.Thank you so much and I really hope the CFPB can see that alliance collection agency has taken advantage of my rights and the law. You are my last hope for resolving this matter and because of Alliance Collection Agency I have been in extreme anxiety and other forms of XXXX because of the grief they have caused me. I have tried so many times to handle this matter as an adult and take care of it responsibly but they have ignore my every request. Have a good day.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | There 's a problem with my homeowner 's insurance. I purchased my home XX/XX/XXXX, and my insurance, through XXXX, was setup to be paid with an impound account through my mortgage. For some reason the mortgage company did not renew my insurance account and therefore it was canceled XX/XX/XXXX. When I went to refinance my home this year, the mortgage company saw that I did n't have insurance and added it to my account. The insurance they 've added is much more expensive than my original policy, and I do n't believe I should have to pay the added premium on the months they 're trying to back-bill me for.
I 've reached out to the mortgage company and have not had success in getting their help. I have called atleast twenty times these last few weeks, and I have made no progress in getting this issue resolved - I 've called today four times, and I have been hung up on every time due to problems transferring, and one representative refused to to transfer me because there 's a balance on my account.
The person I have been working with his XXXX from the insurance department. XXXX is supposedly a manager in the department. He told me that he would take on my trouble and get to the bottom of it. However, I 've been waiting for over a week for XXXX to call me back, and when I called back in to get a status I was told that there is currently no ticket open, documenting my trouble.
I just need to get this resolved, so that my credit is n't damaged. I have a balance on my mortgage that I am ready to pay today, but I have to resolve this issue first as it has substantially increased my monthly mortgage cost. I am also in the process of obtaining my own homeowners insurance.
Thank you.
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Company chooses not to provide a public response | XXXX/XXXX/2015 Debit ***OVERDRAFT FEE $ XXXX $ XXXX Debit TRANSFER XXXX SAV-INTRNT XXXX INTERNET PAYMENT $ XXXX Debit TRANSFER XXXX CHK-INTRNT XXXX INTERNET PAYMENT $ XXXX POS XXXX # XXXX XXXX XXXX XXXX WV XXXX BB & T CHECK CARD PURCHASE-PIN XXXX XXXX Credit COUNTER DEPOSIT View $ XXXX Debit ONLINE XXXX XXXX XXXX XXXX BB & T ONLINE BILL PAYMENT {$50.00} $ XXXX XXXX , ''BB & T '' charged me OVERDRAFT FEE OF $ XXXX XXXX ... ... ... ( FOR {$72.00} ), WHEN I DEPOSITED A ''GOVERNMENT CHECK '' ... ... ( JUST LIKE A GET FROM THE US GOVERNMENT, EACH XXXX & XXXX, OF EACH MONTH ) ... ..THEY KNOW IT IS GOOD XXXX!!
SO WHY DID THEY ONCE AGAIN CHARGE ME ''OVERDRAFT FEE ''? I JUST GOT THRU WINNING THE LAST ''OVERDRAFT FEE COMPLAINT '' ... ... ( BB & T..CASE # : XXXX ) ... .ON XXXX XXXX, 2015, ***FOR THE VERY SAME THING***PLEASE HAVE ''BB & T BANK '' ... ... .RETURN MY XXXX-DOLLARS FOR ''OVERDRAFTFEE '', THAT HAPPENED ON XXXX XXXX, 2015 ... XXXX ( ABOVE ).
THANKS, XXXX
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Company believes it acted appropriately as authorized by contract or law | I XXXX in four years from XXXX University with a XXXX in XXXX in 2014. The financial aid department did n't do much to prepare for what comes after graduation. Each year I would get a financial aid package from XXXX outlining the scholarships, grants and loans needed to go to school for that year. I was later told by Capitals financial aid office that they could not recommend any loan company to students but somehow I got stuck with Sallie Mae loans every time without any input from me. My parents paid for the first 2 years with parent plus loans and grants. I continued the last 2 years and paid for it on my own. My parents took out loans through XXXX using XXXX XXXX XXXX XXXX. This has been a great experience for them with adjustable payments and low interest rates. My loans, however, are with Sallie Mae and that is where I would like to file a complaint against. It has been 2 years since graduating, my experience has been nothing but a nightmare. I have XXXX private loans with Sallie Mae, totaling about {$56000.00} with a 9.250 % interest rate. The bills started coming 6 months after graduating and at this point, I still had not found a career in my field and was working for just a little over minimum wage. Sallie Mae was expecting me to be able to pay over {$700.00} a month, when I was barely bringing home $ XXXX monthly. After SEVERAL phone calls with Sallie Mae 's very rude staff and being told that I had no options to help reduce or defer this payment, I was finally able to speak to a reasonable staff member who told that they do, in fact, offer forbearance. There is no reason that this fact was n't brought up to me during my first phone call with them. Instead, it took about 2 weeks to get this answer and for someone to be willing to help me. So, I went into a year of forbearance. During this year, I began working in my field of study. After the year of forbearance was over, the statements started coming in again. Although, I was working in my field, I still found these payments that Sallie Mae was asking for to be very unreasonable. Sallie Mae 's payments alone are taking HALF of what I bring home every month. On top of my federal loans ( which have been reasonable ), and my monthly rent and utilities, I am struggling to get by month to month. This should not be the case for someone with a degree who is working a reasonably paying job in her field. I should not have to worry about how to get by every month and how I am going to ever afford to buy a house, get married, or have a family and kids of my own. Something needs to change. I have tried working with Sallie Mae asking if there is any way to reduce my payments and change to another repayment method, but according to them, I have exhausted all of my options by using up my one year of forbearance that they offered me all at once. I have been told by some at Sallie Mae to stop making payments and then after some missed payments they could help me. According to Sallie Mae I have to destroy what little credit I have in order to receive help. This is what is so frustrating about dealing with this company. I have considered consolidating my loans, but I do not want to put the burden of cosigning another loan on anyone in my family, and my credit score is not quite where it needs to be to do it all on my own. I really want to get the word out on Sallie Mae and how they treat their customers, so that hopefully we can put a stop to this someday. I have written letters to my state Senators and Representatives and anyone who I think can help in this matter. The more we get the word out there, the better. I understand That Sallie Mae is a business and needs to make money. The problem I have is that they are making money by destroying the futures of young people like me. I want to pay back what I owe but not 10 times what I owe. Please HELP me.
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Company believes it acted appropriately as authorized by contract or law | contacted Aargon Agency after noticing a derogatory remark on my credit report. They said I owed a debt with XXXX XXXX XXXX in which I told them I had paid that and do have the receipt they asked me to fax it to them and I did not once but 4 times during this process I also contacted XXXX XXXX and asked them about this and they agreed that the debt had been paid. Aargon contacted me again and said that their investigation showed that I still owed the amount. I also contacted XXXX to have this removed from my credit report and after their investigation they also said that the aargon agency said this debt is owed.. Please help me get this figured out as it is effecting my credit. Thank you
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Company chooses not to provide a public response | This item is reporting on my Trans Union credit report.
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX ( XXXX ) XXXX I believe this item is a collection account for XXXX . I had a account with them back in the day to boost my credit history at the time. This account was paid in full and closet. The original account has been removed off my TransUnion report and now this collection item is reporting on my report.
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Company chooses not to provide a public response | I submitted a request for PMI Waiver on XXXX XXXX, XXXX to Loan Care, LLC. I was told I would be contacted within 10 business days. I have followed up numerous times via email and phone calls to check on the status beginning XXXX XXXX, XXXX. When I spoke to them on XXXX XXXX, they said it would actually be 45 days, not 10 business days at the very least. I still have n't heard anything from them and when I just called they would not give me any new information. It 's clear that they are stalling to get as much PMI from me as possible. My loan was just transferred to Loan Care, LLC in XXXX. When the loan was sold from the original financing bank we were in the of getting PMI Waived.
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Company chooses not to provide a public response | I have been battling with Barclay Bank for almost a year, they have over-charged me on interest fees and late fees which are not valid. I can not seem to get anywhere with them and my balance never decreases. I have contacted them and I need immediate assistance with this.
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Company chooses not to provide a public response | I have disputed a claim through XXXX through XXXX and claim number is XXXX and have not yet got flagship credit services off of my credit report I have spoke with flagship credit services and they said I have to file a claim through credit report. Anyways there was a XX/XX/XXXX XXXX XXXX I have let go back but it shows im 120 days last on a payment I have not had the car since XXXX and I am requesting that they remove it from my credit report because they ha e sold the car and have not contacted me since repossession I do n't know where yhe car is or how much it was sold for they have no right to report on my credit I am 120 days late so I request that flagship credit services be taken off of my credit.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | hi, the date of bankruptcy is inaccurate on " '' EXPERIAN '' '' the accurate date is XX/XX/XXXX which is also reporting by XXXX and XXXX XXXX, so Experian needs to make the correction
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Company believes it acted appropriately as authorized by contract or law | We have a short sale essentially completed for this property. Note has not been paid for 7+ years. Judicial foreclosure proceeding is well advanced. Borrower has no assets and is essentially judgment proof and strongly considering bankruptcy and has retained a bk attorney. The first lien has approved {$12000.00} for Real Time Resolutions as the second lien holder under the HAFA program, per program guidelines. We are not getting anywhere with the RTR contact person, and need a deficiency waiver and approval letter for the {$12000.00}. They are refusing to budge off of {$40000.00}. We do n't need all of this to be so difficult. We feel it is a breach of their commercial duty of good faith and fair dealing to demand more money than what the industry has routinely accepted for XXXX liens. Please help.
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Company chooses not to provide a public response | I have been contacted multiple times via Phone and email during work hours after instructing many times to not call me during business hours. I have been contacted from XXXX through XXXX by this company who has no regard when people are working. I no longer have the car, have advised more than once that the car has been traded in, only to be harassed via email and constant calls through out the day by this horrible business.
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Company chooses not to provide a public response | Wakefeild and Associates is illegally charging interest on ER visits and claims that they have every right to do so. The refuse to make any settlement on the original debt and stated that the debt was not sold. The hospital specifically stated that the debt was sold and that no interest should be charged.
I did offer to pay the full balance if the collection agency would send a letter stating they would report the balance as paid in full. They refused, stating that they will only send letters after the payment is collected. This is a bold faced lie. I talked with XXXX who refused to give a last name.
I have been a debt collector for the last 7 years and know that the statements he made about interest, settlements and letters were all illegal and false
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Company believes it acted appropriately as authorized by contract or law | I was told by XXXX, that they would run a credit application to get us financial approval to install a new roof on our home. XXXX called back a few weeks later and said we were approved to get the work done! I asked them how much was the approval amount! They stated XXXX! I also asked them, what would be the monthly payment, they stated XXXX dollars! The contractor stated that they would send a crew out to start the job in a few weeks! A few weeks later, they did start the job! Their entire crew only ended up being XXXX guys! These XXXX guys rushed to hurry up and finish the job! They were on top of the roof during the late evening in complete darkness hammering and nailing! The contractor told them to rush so that they could meet the deadline to start the next job! And that is exactly what they did! They did a terrible job, and the quality of work was bad! We did n't receive any paper work until the job was done! The Paper work was not the same! We received different papers on XXXX different occasions to sign! We did n't have the option to to cancel the job in the 3 day period that was stated in the paper work! We did n't know about that option until after the 3 day period had already expired! We did n't think we had a option to decline, especially since the work was now completed! Then we made the first payment of XXXX dollars to Aqua finance company, instead of the pay off amount going to a lesser amount the pay off amount went up in price to XXXX dollars! Then we received a bill statement outlining the details of the loan! The XXXX dollarso only went toward the interest rate, instead of the pay off balance! In order for the payment to go toward the interest and the pay off balance, we must pay the minimal payment of XXXX dollars instead of the XXXX dollars! We are also being charged XXXX dollars late fees for payments not received within 10 days and our APR may increase to the penalty APR of XXXX percent! I blame XXXX for setting me up with this predatory lender Aqua finance! My credit score was XXXX during the time the roofing work was approved! I also got approved to buy a XXXX dollar vehicle during the same period! I really beuylieve, I should have got a better financing option than what I was offered! The worker from XXXX XXXX stated we always go with the first approval! This first approval, is set up for me to fail! This is a total rip off! Please help me get a fair and reasonable loan which is not going to take advantage of me
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Company disputes the facts presented in the complaint | The purpose of this complaint is based on a rejected loan application to the following : Cashnetusa.com XXXX, IL XXXX XXXX XXXX XXXX Application was completed by phone on XXXX XXXX XXXX at XXXX and was rejected.
Demographics for the applicant are the following : XXXX Veteran, XXXX XXXX income only XXXX, over XXXX, no XXXX.
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Company chooses not to provide a public response | A manager at Citibank in XXXX, CA offered me XXXX different promotional bonuses ( XXXX bonus of {$800.00} and a XXXX bonus of 5 times the current interest rate ) if I opened a checking account with {$100.00} and a savings account with {$200000.00} and kept the money in the accounts for 90 days. ( She also talked me into applying for a Citigold Double Cash Reward credit card and told me it was a Visa card, which I needed. When I received the credit card, it was a MasterCard, not a Visa card. ) After the 90 days, I finally received the XXXX bonus of {$800.00} but the branch said they had to file a dispute for the XXXX bonus. I spent over a week visiting the branch and calling Citigold 's customer service number multiple times, and was given XXXX completely different reasons why I had not received the XXXX bonus. The branch manager finally told me that the manager who opened my accounts made a mistake telling me I was eligible for both bonuses and refused to honor the XXXX bonus even though she agreed it was their manager 's fault. I could have complied with XXXX the other XXXX reasons why I supposedly was not eligible for the XXXX bonus, but after speaking with the branch manager, I closed out both of my accounts since it seemed fruitless to pursue the matter any further.
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Company chooses not to provide a public response | experian refused to answer my questions for method of verification and took over 30 days with my dispute.
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Company believes it acted appropriately as authorized by contract or law | I have attached information taken from Ditech website in XXXX XXXX indicating the following escrow activity.
XXXX XXXX XXXX/XXXX/XXXX {$1600.00} XXXX XXXX/XXXX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$73.00} I have attached the accounting records Ditech/Greentree has sent via my Qualified Written Request. On pages XXXX and XXXX there is indication the taxes and homeowners insurance payments. There is no indication of PMI payments to XXXX XXXX. I would like a complete record of PMI payments and your disclosure record on this charge.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | This debt is medical and was supposed to be takin care of by my active insurance.There is no proof of we 're this debt is from or y it was n't taken care of by insurance. I would like all the information on this debt and the true collector and origin of the debt.
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Company believes it acted appropriately as authorized by contract or law | I called and advised them it was not a valid debt & that I was suing the creditor. I asked for validation of the amount because it was inaccurate. Within a week, without validating the debt the collection agency reported it to credit bureaus.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | How is it fair that minorities who were affected in the Ally Bank settlement never got their checks, but XXXX who were not discriminated got checks. I bought my 2010 XXXX soul finance by ally, and it was a mess, all day if I wanted the loan I had to purchase a {$1000.00} warranty that was no good, in the office the sales rep answer my race on the phone to whom ever he was speaking with. When i heard ally was in trouble finally some justice, i requested a package never got XXXX, then i was suppose to get a card with info on the lawsuit, never got that, got in touch with the claims administrative said i was too late.. What you guys held it up and justice needs to be serve. And all the XXXX XXXX who were unable toget it should be compensate and the monies must be paid back by white borrowers
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Company believes it acted appropriately as authorized by contract or law | XXXX president XXXX XXXX as attached she admitted to the types of activities that XXXX, XXXX, XXXX XXXX, XXXX are involve IN MD.
Photoshop BWW LAW FIRM AKA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. is a MARYLAND State licensed attorney as co-conspirators as attorneys debt collector for Defendant XXXX ' member XXXX fka XXXX as successor to XXXX as trustee FOR ramp XXXX????, XXXX ( assignments from indecomm global services and claim are worthless.
This is exactly what the XXXX appellate judges said when I listened in on an appeal -- that they had several occasions in which on the same docket, two completely unrelated parties both claimed to be the holder of the original note and both claimed to have the right to foreclose.
The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology.
The Foreclosure Complaint conceals facts and is deliberately disoriented to sow confusion that at it states the Mortgage
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Company chooses not to provide a public response | Open Account with XXXX XXXX XXXX for {$83.00} Original XXXX XXXX XXXX XXXX XXXX open Date XXXX 2013 last reported date XXXX XXXX XXXX Account is closed and paid in full spoke with this creditor XXXX they statedboth times Account is been closed and paid in full and was removed from all XXXX credit reporting Agencys. when I review my report I see it open and still owening
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Company believes it acted appropriately as authorized by contract or law | I had a XXXX XXXX credit card. I had unexpected medical bills so I called all the credit card companies to see if they work with me in interest rate and lower payments. XXXX XXXX agreed to let me pay {$50.00} a month. They never sent a statement after that and drafted the money out of my account every month probable over a year. Then a couple of months there was nothing. The next thing a policeman shows up at my door serving me papers where they had turned it over to Hannah and Associates. I did n't want to go to court so I set up payments with Hannah and Assoc. I do n't if that is what I owe them. I never received a letter from XXXX XXXX saying they were turning my account over. Never received statement from XXXX XXXX and never received anything from Hannah and Associates as proof that I owed the amount they said I owed. I have been paying them for well over a year and now I get a letter saying to mail my payment to XXXX XXXX XXXX attorney at law. Do I need to request that they send proof of the amount they say I owe. I do not feel like I owe that much and why would attorney turn it over to another attorney. I feel like they are scamming me.
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Company believes it acted appropriately as authorized by contract or law | XXXX XXXX continues to send this account to collections and this bill has already been paid. XXXX has tarnished my credit by doing so and it is a shame and disgrace that this unfair, and unethical practice by this company. They continue to send it from one collection agency to another. I would like for this to cease. I have proof in my financial records that this bill was paid in full.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANK RECOVERY IS IN VIOLATION OF FCRA, FDCPA AND TCPA! ALSO, COLLECTING ON FRAUDULENT ACCOUNT ACTIVITIES AND SEVERAL FCBA ISSUES.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | First, our vehicle account is financed thru Ally Bank & it is under my father-n-laws name. Due to financial hardship, we became 3 months behind on our truck payment, which was XXXX XXXX, XXXX & XXXX XXXX plus late fees. I forwarded an email to Ally Bank on XXXX/XXXX/XXXX regarding our Extension Options, they emailed me back on XXXX/XXXX/XXXX requesting to call them. I called Ally Bank on XXXX/XXXX/XXXX & spoke to a lady named XXXX @ XXXX ext. # XXXX & explained our situation & to see what our XXXX Options were. Being that we was 3 months behind, Ally Bank was ready to repossess our vehicle unless, according to XXXX, that we made a payment of {$620.00} that day, XXXX/XXXX/XXXX, which would be our XXXX vehicle payment & hold off the repossession & they would push XXXX & XXXX 's payments plus late fees to the end of the loan, so we borrowed the money to pay the XXXX 's payment through XXXX XXXX Speed Pay. After making the payment I called XXXX back to confirm that she received the payment. XXXX said it would take 24 hours to post & there would be an extension fee & it would take up to 20 days to process. XXXX gave me a confirmation number # XXXX for this completed extension transaction. At this point XXXX quoted me & my husband that our next vehicle payment of {$620.00} would not be due until XXXX XXXX, XXXX in which I paid on XXXX/XXXX/XXXX & I do have a confirmation & attached documents to prove & show you along with all of my notes, dates, names, numbers, etc. So last night on XXXX/XXXX/XXXX my father-n-law calls me stating that Ally Bank called him stating they wanted {$1000.00} +plus now & that I need to called them. This morning XXXX/XXXX/XXXX I called Ally Bank regarding why they was calling & why they was wanting such an amount of money? First I called XXXX, this number is off of their own Ally Bank website & first spoke with a " Rein '', she was wanting to do an extension with us?? Which was quite confusing & frustrating because we had already been approved for the extension in XXXX, so we thought. Once I explained to her who we spoke with & why I lost signal with her on the phone & I had to call back. The second time, I spoke with " XXXX '', once again explaining the agreement from XXXX, in a confession from this agent, the confirmation number # XXXX for the extension was applied to the wrong account!! Seriously!!?? So she said she needed to transfer me to an account specialist. This is the XXXX person we have spoke with this morning! So " XXXX '' who is on the phone now is supposed to be an Account Specialist in Collections, upon going through the whole explanation again & " XXXX '' also see 's that the confirmation for the extension was applied to the wrong account, she wasted no time in transferring me to " XXXX '' in which I left XXXX voice mails for her asking her to call me back!! So because Ally Bank messed this all up, no one there want 's to take responsibility in fixing this!! I got no where, I got no results & no one has called me back & they have my name, address & phone number!! We called for help, so we do n't lose our vehicle, without a vehicle, my husband ca n't go to work & pay our bills & then Ally Bank screws this all up!! Please, please help us!!
Thank you!
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Company believes it acted appropriately as authorized by contract or law | RE : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against Pinnacle Credit Services.
Pinnacle Credit Services has failed to respond to any of my dispute or debt validation letters. I have contacted them numerous times ; they are never able to provide me with any info concerning my account. I have also contacted XXXX XXXX, the Chief Operator at ( XXXX ) XXXX. XXXX XXXX never answers, also does n't respond to voicemails, most of the time his mailbox is full. My most recent debt validation attempt was on XXXX XXXX ( sent via third party agency XXXX ). As of today XXXX XXXX they have failed to respond. When contacting Pinnacle, I am always transferred to a third party agency ( XXXX XXXX XXXX XXXX XXXX ), and never acknowledged directly by them, they are very rude, and always transfer me before I can even inquire about my account.
Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Pinnacle Credit Services to date.
I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.
Thank you for your assistance.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
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Company believes it acted appropriately as authorized by contract or law | THIS IS AN OFFICIAL COMPLAINT THAT Select Portfolio Servicing Inc. Servicing- HAS CAUSED TO CANCELLED OUR PERSON HOME INSURANCE THAT IS NOT CONNECTED TO THE MORTGAGE.
We receive from the Massachusetts XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX | ( XXXX ) XXXX | ( XXXX ) XXXX That Select Portfolio Servicing, Inc. |Address ; XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX # XXXX |Alleging that Stating property SOLD AT FORECLOSURE AND has cancelled my husband and my personal home insurance that has nothing to do with our mortgage. Cancellation effective date XXXX/XXXX/2016 Mortgagee or Loss Payee '' Policy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MA. There is no foreclosure on our property. Even if there was Select Portfolio Service has no legal right to cancel our private homeowner insurance. Please reinstate our personal homeowners Insurance a.s.a.p. I am reporting this as a violation to our personal privacy.
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Company believes it acted appropriately as authorized by contract or law | I purchased a home in XX/XX/XXXX in Georgia. My family fell upon some hardships which impacted our income so we applied for a modification. I was able to use a 3rd party attorney and get a {$85000.00} principal balance reduction. One month later, XXXX XXXX XXXX sold my mortgage to BSI Financial Services who then told me I needed to do another modification as they welcomed me with a raised mortgage and changed terms under which I had already signed with XXXX. They notified me that my payments would not be accepted and returned and now they have a sale date of XXXX/XXXX/XXXX set on my home. I went through XXXX representatives that did not follow up or process paperwork submitted in a timely manner but yet sent me letters about modifications being denied because of missing paperwork. I have expressed complaint and concern via phone and email. I have requested a Qualified Written Statement and Validation Letter twice which did not address my concerns. I am not happy about this unfair shark and predatory practice to take my home without properly notifying me by letter of a foreclosure sale date and changing terms of mortgage after they purchased it. BSI Financial and I have no written or verbal agreement on terms. I want to keep my home but want fair practices and lending to be enforced. It is not my intent to defame or tarnish the character of this company but wrong is wrong and to put a GA XXXX, wife and mother of XXXX young children out on the streets is a violation under the unethical practices they have displayed. The company has called my home and cell phone despite my letters to them to contact me in writing. These are infrigements. I have recorded conversations ( authorized under GA law ) of representatives of the company admitting to seeing where I have submitted paperwork and they had dropped the ball weeks later by not processing it and wanting me to resubmit to correct the wrongs they have made. I WANT MY HOME and desire for BSI FINancial to make this right for me and my family. We have lived in this home for 10 years. It was our first one and where many memories have been made but for the greed of a dollar and ask me to think of an " exit strategy '' 4 days prior to a sale date is inhumane. I want my home and desire to remain in it if BSI is willing to correct its wrong and practice fair lending. They can submit to me in writing how they would like to repair these damages and them changing the terms of the mortgage after purchasing it ( no good business )!
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Company chooses not to provide a public response | Trans Union is misreporting my XXXX account. It was charged off in XXXX however, XXXX is reporting 120 days late to Trans Union as recent as XXXX XXXX. Please get XXXX and Trans Union to correct this item right away as it is destroying my credit.
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Company believes complaint is the result of an isolated error | We secured an assumed loan in XXXX XXXX through Greentree Lending Services and have made payments ever since. The loan was to be fully amortized through XXXX XXXX. Greentree has since been absorbed by Ditech Financial. Ditech claims the loan matured in XXXX of XXXX and they have been calling on the phone at least weekly saying we are past due and need to submit the balance. We have continued make the monthly payment and have only 7 payments left. We have submitted the original paperwork to Ditech, but they have failed to respond. Just more calls every few days. Some have said just continue to make payments, others demanded the loan in full. I have asked over and over again to have someone call about the note, but no one has, only their collections department. We feel they are abusing us and that they are about to turn derogatory information into the credit bureau. We need to get this fixed.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | We submitted our payment to the Wal-Mart store in XXXX, XXXX. The check was returned and we were asked to send the check to Wal-Mart XXXX XXXX in XXXX, XXXX We complied. Wal-Mart cashed our check but did not credit our account. We called and later faxed copies of the canceled check and our bank statement. They refused to credit our account, saying they never received payment or cashed the check. We provided them with the Source of Receipt Document from the Federal Reserve Bank, showing the check was processed in XXXX. Walmart XXXX XXXX refuses to credit our account.
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Company chooses not to provide a public response | XXXX Bank sent me an XXXX for {$2400.00} a credit card account back in 2014. I added it to my tax return and I thought they would update the balance with the credit bureaus. However I looked at my credit report today and it is still reporting a balance of {$2400.00}. This negative reporting is hindering my credit report and score and I would appreciate it if you investigated this account with XXXX.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | THERE ARE SEVERAL CREDIT INQUIRES XXXX, XXXX BANK XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, AND XXXX INQUIRES ARE ON MY CREDIT REPORT THAT HAVE BEEN DISPUTED SOME HAVE BEEN REMOVED BUT SOME REMAIN THAT DID NOT HAVE AUTHORIZATION TO PULL MY CREDIT REPORTS I REQUESTED VALIDATION TO SHOW WERE I AUTHORIZED THESES CREDIT INQUIRES AND IMPROPER RESPONSE WAS SENT BACK NOTHING SHOWING WERE I SIGNED TO HAVE MY CREDIT PROFILE PULLED
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Company chooses not to provide a public response | Charged {$37.00} on XXXX & {$32.00} on XXXX. Total charge {$69.00}. Made XXXX Payment of {$69.00} on XXXX. Also made a XXXX Payment of {$1.00} on XXXX from XXXX XXXX Checking. XXXX XXXX, XXXX XXXX ONLINE PMT XXXX. On XXXX Bank of America made a Small Balance Adjustment of {$1.00} taking my + {$1.00} balance to $ XXXX. Contacted BA & on XXXX they made a Small Balance Adjustment & returned the {$1.00} stating it was a computer error which left me a + {$1.00} balance. On XXXX another Small Balance Adjustment was made & they took the + {$1.00} from my account leaving me again with a $ XXXX balance. Unable to obtain any answer from BA Customer Service Dept. as to why this keeping happening except that it is a computer error. Need to know when they are going to return the {$1.00} to my account and what steps they are taking so this will not happen again. Was told this has happened to other clients also.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | Citi is sending me an unrequested, pre-approved credit card in the mail. I never asked for it. I did n't want it. But, when I called them to tell them not to send it, they said it was coming anyway.
XXXX I thought credit card companies were forbidden from sending credit cards to people who did n't request them. How can they do this?
The problem started because I am a XXXX member who has an XXXX through XXXX. When XXXX said the were going to stop partnering with XXXX, I called XXXX. XXXX said that they would not send a Citi card unless I requested it. But, as you can see from the attached XXXX/Citi mail, they are sending one to every XXXX cardholder whether they wanted one or not.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | An unauthorized transfer was made from my account to XXXX XXXX ; a dispute/claim was filed but could take months to resolve. I contacted XXXX XXXX, they gave the error code XXXX and told me to contact my bank ( Wells Fargo ). No one seems to know what XXXX is, but a simple XXXX search shows it 's an unauthorized transfer from the originator. It 's in the amount of {$250.00} on my account. This complaint is in regards to the unauthorized transaction with hopes that the money will be returned to me faster than your claims process.
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Company believes the complaint is the result of a misunderstanding | Back in 2013, me and my wife moved from XXXX to XXXX XXXX XXXX, because that was her dream. After a few months, we was in the swimming pool when about XXXX XXXX was skipping rocks across the pool. It was me, my wife, my daughter, her boyfriend and my grand-baby. So naturally, my daughters boyfriend told them to stop because of the baby. The next day me and my wife had to put air in our tires. A couple of days later, we mentioned the situation to the manager ; about two or three days later, my window got busted. I had just to XXXX it up because we spent everything we had to move there, XXXX XXXX XXXX. About 2 weeks later, new neighbors moved in downstairs. They would bang on their ceiling all the time. I night, about XXXX, I was in bed when my wife came running into the bedroom saying that someone was beating on the door. I got up and answered the door ; there stood a woman asking me to keep it down because they was trying to sleep and we was making too much noise ( I was in bed ) and my wife was in the living room watching t.v. That next day I told my wife to find another place because it was getting ridiculous there. On the last day that we moved out, the manager came up to me and asked what was going on. I told him that earlier that month my window was busted out of my car, and he told me " well if you would have told me, we would have you park under one of our cameras ''. I told him we live week to week and even though we would have caught the juvenile delinquents, that would not help me if they slashed my tires. The law would make the parents pay for the damages ; but what was I supposed to tell my boss. Oh, as soon as my car gets fixed, I 'll be in. Like I said, we was on a very tight budget and could n't wait till XXXX, or maybe even both of our cars to be fixed. The manager even said he knew who done it because he has had trouble out of them before. Then I told him about our new neighbors and how they was banging on the ceiling all the time, and once even got me out of bed to tell me to be quiet. He said you should have came to me for that too ; but I thought it would be easier just to move and not make any more enemies. So now Hunter Warfield calls me all the time. I only have a cell phone and I even told them to quit calling me because I ca n't get phone calls at work, but they call anyways. The last time we talked, they said that they was going ahead and start legal action, even though they know this story also. So, if you could help, I would appreciate it. I know that I broke the lease, but I had no other choose. So, XXXX XXXX XXXX, but it 's Hunter Warfield that calls # XXXX Thank You, XXXX XXXX
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | I have initiated several disputes with this credit bureau in regards to fraud on my credit report. Last year I noticed some fraudulent activity and went through your ( FTC ) website for information. It stated to fill out and have notarized an FTC Fraud affidavit. I 've sent the Affidavit 3 times with all supporting documents. Also I 've sent the FTC Fraud affidavit to the collection agencies. In the documents I am attaching today you will see when and where the bureau received my documents/letters.
This has all been hard enough, and with this credit bureau not doing their role to protect the consumer it 's very disheartening. I 'm hoping with you help I can get this resolved for my family. Thank you for being a voice for the consumer.
Thank you, XXXX
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | I applied for a Credit Card with Barclays Financial Institution and was promised a Balance Transfer within 7 to 10 business day. Barclays did not complete the balance transfer and I made the payment. I called Barclays to request that they cancel the transaction because it would be more paid on the account then owed. They refused to cancel the transaction since it was in process. The Manager XXXX explained it was out of his control to cancel. The department manager XXXX XXXX will be informed but is not able to make any changes.
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Company chooses not to provide a public response | On XXXX XXXX, 2016 I went to TransUnion where I intended to pay {$1.00} charge to see my credit score. I was careful to look around to make sure that I did n't sign up for a monthly credit monitoring service because the website felt like it was n't designed to be clear about what I was about to pay for. I wanted to see my credit score and felt like any of the XXXX major credit bureau 's surely would n't be predatory. I woke up this XXXX with a {$19.00} charge from TransUnion and a {$21.00} charge from XXXX. I happened to get an email from my credit card company alerting me to transactions. Otherwise, I would have never noticed these charges. After much searching, it turns out that the only way to cancel these services is to call. None of these services sent me an email receipt.
I would like the CFPB to stop the XXXX credit bureau 's from operating in shady ways to make money. These bureaus exist to reflect our individual integrity to potential creditors. They should operate with the highest level of integrity and not take advantage of people with confusing and tricky tactics.
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Company chooses not to provide a public response | my property was lost on XXXX and someone found my driver license and my social security card and other information, my credit card and they charged my credit card. I had send the police report to all XXXX credit they do n't nothing about it. however, I fake this opportunity to address to you in order to get this resolve. thank you
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | Ally bank and XXXX XXXX overcharged me on my interest rate because of me being XXXX and having a decent credit score and made me to believe that was the only interest rate that was available to me.
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Company chooses not to provide a public response | My mortgage servicing provider ( XXXX ) transferred my mortgage to another service provider ( Suntrust ). This is a standard procedure and I went through the process several times before. However, this time I was not informed about the transfer from either company! Because XXXX had a wrong address on file I did not receive their notifications. Additionally, since the new service provider ( Suntrust ) relies on the address from the previous service provider, I did not receive any communication from them either.
I found out about the transfer a few months later via a coincidence. I checked my credit report and noticed that my credit score dropped. Apparently I had a mortgage with Suntrust that was more than 30 days late. I was confused as I had been making timely payments to my my mortgage provider.
I called XXXX and they informed me that they are not my service provider anymore and they referred me to Suntrust. Both providers admitted that they had the wrong mailing address and that the mail they sent to me had been returned to them. I do n't understand why Suntrust did not try to call me and why they reported the late payments to the credit bureaus when they obviously had the wrong address!?
I immediately settled my balance with Suntrust as they were very adamant about the outstanding balance. At the same time I am still waiting for XXXX to reimburse me for three months of mortgage payments I sent to them. To add XXXX more twist to the story : my account will transfer to yet another service provider ( XXXX XXXX XXXX, I think ) in less than 14 days.
Since I did not receive any information or notifications about this transfer either, I can only assume that Suntrust continues to use a wrong address. This is very frustrating!
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Company chooses not to provide a public response | In XXXX, 2015, Wells Fargo sent me a letter informing me that my student loans can not be paid more than 20 days from the due date. If payment is received more than 20 days from the due date, the due date will not change. For example, if a payment is due on XXXX XXXX, and I make a payment on XXXX XXXX, the payment will be accepted but the due date will remain as XXXX XXXX ( not XXXX XXXX ) which forces me to make another payment in early XXXX to change that due date. The result of this is that it deters me from making a payment every 4 weeks ( 13 payments a year ) and instead, I have to make a payment once a month ( 12 payments a year ).
Unfortunately, like XXXX of Americans, I live paycheck to paycheck, however, with my salary, I could still afford to pay every 4 weeks. What I can not afford, is to pay more than 20 days ahead and be forced to make a payment in less than 4 weeks so that the due date rolls forward and I do n't face late payment fees. This is a problem because these student loans are front loaded with interest so the only way I can pay down more principal each payment is if I pay every 4 weeks. If I pay once a month, I pay more in interest because it accrues so fast and payment towards the principal balance actually decreases from that of the previous payment. Also, please note that I will likely be paying off these student loans for another 20 years ( at {$190.00} per month ) so not allowing me to pay it off quickly is hurting me financially, while in turn, helping Wells Fargo earn more interest.
Wells Fargo states that this change is to help the borrower but as I have explained, it only helps Wells Fargo prevent the loans from being paid off while generating more revenue for them, which is unethical. Student loan debt is certainly a hot button issue in the United States as millions of people have accrued enormous amounts of debt to go to college in the hopes for a better life. While the debt is a problem, the bigger problem is the fact that Wells Fargo is creating tactics that make it more difficult to pay off these loans efficiently, keeping people in debt for much longer than they need to be. It is my understanding that the CFPB was designed to help consumer 's like myself, have a voice when they are being wronged by a greedy financial institution. I feel that this is a prime example of what the CFPB is designed to do. I hope that you investigate Wells Fargo as well as any other " too big to fail banks '' for unethical methods regarding the repayment of student loan debt from people who will already be paying off these debts for 25 years.
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Company has responded to the consumer and the CFPB and chooses not to provide a public response | I am a parent co-signer on a private loan for my son. The lender is Wells Fargo, there are XXXX loans being serviced by Wells Fargo. The loans involved have been in repayment since XXXX. I have made all payments timely. We are estranged from our son and do not know how to contact him. I have had to make every loan repayment amount because our son will not make repayment. We have no choice as co-signers but to make repayment.
Over time we have accelerated our monthly payment amounts to more than the required payment. Each month since XXXX Wells Fargo has credited payment to both loans principal and interest. Beginning XXXX XXXX Wells Fargo applied the payment entirely to XXXX outstanding loan only with no written notification to us of this change in procedure. We missed seeing this due to the deceptive nature of their billing statement. Which showed all payment being applied, ( their statement only designates a total payment of the combined loans due ). Since Wells Fargo had previously been crediting extra payment amounts to both loans we had no suspicion they had changed how they were applying our payment. We only noticed this when reviewing the payment statement for XXXX XXXX. The amount of interest charged was extraordinary. Upon further investigation we discovered it was because they had not been applying any payments to XXXX of the loans for all of XXXX. The XXXX XXXX billing statement shows crediting the full amount of the payment remitted to the loan they were not crediting any payments to in XXXX. With my XXXX payment no payment credit was made to the loan previously receiving the entire payments made in XXXX. All the while applying excessive interest charges to the loan that received no payments credited in XXXX. It would appear that Wells Fargo is intentionally switching payment credits with the intent to deceive me the customer. I have made contact with Wells Fargo asking for a correction in this situation and they refuse to offer an acceptable solution. I feel they are being irresponsible and heavy handed in not accepting accountability for their deceitful misapplication of our payments. I believe they have changed the repayment schedule and conditions with no notification in writing to me, ( which I feel could be illegal ), while not being willing to work out an amenable solution. Wells Fargo 's billing statement includes the following statement in regard to payments for more than amount due. " Paying more than the monthly billed amount will reduce your principal amount more quickly, resulting in less overall interest charges on your account. If you make payments over the total amount due it will not be used to advance your due date beyond what is billed ''. By intentionally failing to properly credit payment to both loans Wells Fargo in fact violated their own statement regarding how they apply over payments. The total repayments by my wife and me are in excess of the original principal balance. It was our intent that by paying more than the required amount we would, as stated in Wells Fargo 's own billing statement, accelerate our principal repayment thereby reducing not only the repayment period, but the interest paid as well. I feel we have more than upheld our obligation. I ask that Wells Fargo take accountability for their misapplication of our repayments and credit our loans as paid in full. I feel they can do this because they effectively changed the repayment schedule by trying to deceive us with the way they handled our repayment. I/we feel this was an intentional action by Wells Fargo, thus causing our repayment time and interest to be extended not to mention the emotional expense this has caused us.
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Company chooses not to provide a public response | XXXX XXXX wiped out original dates of closed and charged off dates and put the dates as recent. I have never purchased anythign from XXXX XXXX. I have sent them tow affidavits and requested and both have never been processed on their end. I have disputed this charge since XXXX. In XXXX after filing XXXX affidavits and endless phone calls I just paid the money. I was trying to get a home loan and needed to resolve this issue. After I paid XXXX times what they originally said was purchased they update my credit report as recently charged off and late paid even though this all occurred in XXXX, sent to collections in XXXX and charged off. I do not believe that changing dates to recent is correct. I have been fighting that since XXXX XXXX.
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Company chooses not to provide a public response | I paid my credit card statement on the day it was due. The statement shows a due date of XXXX XXXX. There is no disclosure on my statement stating the payment is due before a certain time and time zone. I paid about XXXX CST only after I attempted to call twice and was on hold for long periods of time BEFORE XXXX CST to make a phone payment. I could n't get through, so therefore I went to pay online. by it was passed XXXX CST by a few minutes. The system would not allow me to pay on XXXX XXXX, and I was FORCED to schedule the payment for XXXX XXXX. This process incurred a late fee of {$25.00}. I have emailed them several times requesting them to waive the fee due to the issues I had trying to pay by phone. They have disregarded my request. I have explained to them that their statements do not disclose a " cut off : '' time. I specifically shows to pay by the due date. I am asking to have late fee removed and any interest that incurred due to the late fee.
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