# complaints

Date_received: 02/12/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Complaint_ID: Yes
Consumer_narrative:
I applied for assistance in saving my home from foreclosure. I hired an attorney to help me with the paperwork. I was advised I am approved for a Making Home Affordable " Trial '' modification. I have contacted my lender on several occasions trying to find out the terms of the loan modification

Company_public_response:
 rate ; term ; principal balance ; principal forgiveness or forbearance and maturity date. Thus far Bank of America says they have no terms and they basically refuse to discuss this with me. My loan is an option arm

Company:
 negative amortization loan which worked against me for the past ten plus years. I feel the servicer should have these terms and my attorney states someone has the terms available


Product: or nearly so
Subproduct: if they wanted. At most
Issue: they might require XXXX or two business days
Complaint_ID: Yes
Date_received:
This customary delay seems to me an obvious ploy by credit-card companies. They could make refunds immediately


Date_received: 01/29/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: '' a debt collection agency. I believe this is who are behind the calls
ZIP_code: especially for a debt that 's not mine
Complaint_ID: No
Consumer_narrative:
I have repeatedly gotten robo-calls from various unlisted numbers saying they have a message for me. When I do answer and " press XXXX '' to get the message

Company_public_response:
 they first ask me to confirm details like date of birth and last XXXX digits of social security number. They refuse to identify who they are or why they are calling and so I refuse to verify any information. I recently got an email from "" Williams & Fudge

State:
 but they are looking for a someone with a slightly different name -- not me. I 'm sick of being harassed by these people


Date_received: 02/08/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Complaint_ID: Yes
Consumer_narrative:
I have an auto loan with Citizens One Auto Finance of XXXX, RI. My loan is current to date and always has been. I have an excellent credit score of the high XXXX/low XXXX. My loan has no pre-payment penalty clause. This is where the problem starts, on four separate occasions to date I have sent payments for principal only to be applied ( when my bank provided remittance slip shows {$0.00} due ). I put the amount in the Principal line and they repeated ignore this direction and continue to treat it as a regular monthly payment and split the payment as interest and principal. In addition this bank makes it very hard to make a principal only payment, you can not do it via their on-line loan payment tool, you can not do it via my own bank 's pay bill by putting " Principal Only '' in the memo field


Product: send in the remittance slip
Subproduct: pay the postage
Subissue: complain
Complaint_ID: Yes
Date_received:
I have never dealt with a consumer finance organization like this that makes it exceedingly difficult to reduce your principal amount. Right now it is a stalemate. I never pay bills via check and the postal service any longer except for this bank. So now I have to write a check

Issue:
 and then login to their online portal after payment is received and see that they took the interest out again. I call their call center


Date_received: 01/29/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer_narrative: The company had what they called " locators '' call me non stop
ZIP_code: so when they went to process the second debit
Date_sent_to_company: The exact words were "" Good Luck '' They have called my job
Complaint_ID: Yes
Company_public_response:
 these people demanded personal information such as address. They told me that if I did not call a certain number

Company:
 they would be coming to my house to serve me papers. I called the number and they said there company was called Global. They told me that if I did n't set up payment plans

State:
 they would not call off the locators and they would come to my home and serve my with legal papers that day. I was scared into setting up a payment arrangement. I lost my debit card

Submitted_via:
 it failed. I just received repeated calls from a number of only '' XXXX '' the voicemail left was threatening in nature..they said I only had hours to correct the error. They then said that if I did n't fix this


Product: on Friday
Subproduct: XXXX XXXX
Issue: XXXX
Company_public_response: XXXX XXXX
State: XXXX and received a confirmation number. XXXX said that if I contact SIMM
Submitted_via: and supplied her with my confirmation # and requested that the phone calls to my personal phone
Date_sent_to_company: as well as my office line ( yes
Complaint_ID: Yes
Date_received:
02/12/2016,Student loan,Non-federal student loan,Dealing with my lender or servicer,Keep getting calls about my loan,I was contacted by SIMM associates regarding a past due balance for a private student loan serviced by XXXX XXXX. I was in contact with XXXX about possible forbearance options as I had recently lost my job. I am not one to miss payments and had a track record of on time payments since XX/XX/XXXX. In conversation with an associate from XXXX ( XXXX XXXX )

Subissue:
 I told XXXX that I would be making a payment directly to XXXX on the XXXX of XXXX XXXX my XXXX paycheck after 5 months of unemployment ). She insisted that I call to make the payment with her instead and I declined. After my interaction with these in incompetent people

Consumer_narrative:
 why would I give them my bank account information? These people can barely formulate a sentence with proper grammar. On Fri

Company:
 I contacted XXXX to let them know I would log on to my account and make a payment to get my account to current status. I spoke with a nice lady named XXXX and she also said she has heard terrible stories about XXXX associate interactions. I proceeded to make my payment online with XXXX on XXXX

ZIP_code:
 to supply them with this number in order to stop receiving phone calls. I contacted XXXX XXXX at XXXX

Company_response:
 these people are harassing me at work when I just started a new job 3 weeks ago and am trying to earn a living to pay them!! ) STOP. XXXX informed me that calls may continue through the weekend in order for the system to update. It is now one week later ( XXXX XXXX ) and the calls continue on a daily basis. I paid my debt and do not need to be harassed any longer!! I called SIMM on XXXX

Timely_response:
 XXXX XXXX and spoke with XXXX XXXX yet again to get nowhere. The excuse this time was that their employees do not check the notes in the system before they make calls. Really? Is n't that the point of a company having a tracking system in the first place?! These people are incompetent and XXXX and they need to be stopped!! We are now at XXXX XXXX and my phone continues to receive voicemails from these people. When will it stop? It 's been 7 days and I highly doubt that a system needs that long to update. If you have a good relationship with your client


Date_received: 02/03/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan servicing, payments, escrow account
ZIP_code: with a VA home loan
Complaint_ID: Yes
Consumer_narrative:
I purchased my home ( XXXX XXXX XXXX. XXXX XXXX, FL XXXX ) on XXXX XXXX, XXXX. I financed my mortgage through XXXX. On XXXX XXXX, XXXX my mortgage was sold by XXXX to Carrington Mortgage Services , LLC . At the time this did not present a concern to me. I made my XXXX XXXX mortgage payment to Carrington and everything was fine. In XXXX XXXX I received my mortgage statement from Carrington and my payment had been raised from {$1100.00} to {$1200.00}. On XXXX XXXX, XXXX I called Carrington to inquire about the {$160.00} monthly increase. I was told that my insurance had not changed, but that my taxes had gone up {$790.00}. I verified the tax increase with the county, so I know that figure is correct. I then asked why my payment had increased by {$160.00}, since the tax increase should have only increased my payment by {$66.00} per month. I was told that it is their business practice to hold a " two month cushion '' of my escrow account. This is not in my original loan terms with XXXX and I never agreed to these terms. I am agreeable to pay the extra {$66.00} per month to cover my tax increase

Company_public_response:
 but I do not see why I am required to pay an additional {$98.00} per month so that Carrington may have a "" cushion '' for my escrow account. I was told by the customer service rep on XXXX XXXX that I could request to hold my own escrow account. On XXXX XXXX

Company:
 XXXX I sent a letter to Carrington via fax as well as certified mail requesting that I hold my own escrow. On XXXX XXXX

State:
 XXXX I received a response via USPS mail from Carrington denying my request to hold my own escrow. As a XXXX female veteran

Submitted_via:
 I am appalled by the business practices of Carrington Mortgage Services. They are STEALING money from their customers. I am not the only one to experience difficulty with this company. A quick XXXX search shows hundreds of people being taken advantage of by this company. My next step must be legal action


Date_received: The collector failed to state : " This is an attempt to collect a debt
Complaint_ID: Yes
Product:
 any and all information may be used for this purpose. '' Multiple collectors disclosed debt information to anyone who would pick up the phone


Complaint_ID: Yes
Date_received:
In XXXX call the collector stated that It was going to court on XXXX XXXX and stated the account as a case number


Date_received: 02/08/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: raising both my payment and interest rate!!. Once again
State: no mail of ANY KIND! This is another outrage
ZIP_code: XXXX The recent XXXX. I filed a complaint to the XXXX in XXXX
Company_response: facing XXXX. Again
Complaint_ID: Yes
Consumer_narrative:
I fell behind on my mortgage payments in XXXX due to injury/hospitalizations. In XXXX of XXXX I re-entered a XXXX hospital for over one month. Upon my return on XXXX XXXX, XXXX, I received a notification, via regular USPS mail, from an attorney stating my house is listed in a foreclosure sale on XXXX XXXX, XXXX. I received ABSOLUTELY NO OTHER MAIL, either regular or certified, prior to this notice! I spoke with XXXX different people at Wells Fargo Home Mortgage on XXXX/XXXX/XXXX for over 35 minutes and still have no answers. A full mortgage payment was mailed to Wells Fargo Home Mortgage on XXXX XXXX, XXXX. I went through over 18 months of this with Wells Fargo in XXXX. Finally, after dealing with at least XXXX different people and submitting the same information over and over, my loan was " modified ''

Company:
 I am dealing with an unbelievable issue again! How does my house get on the auction block without ANY notification at all from Wells Fargo Home Mortgage?!? No phone calls

Submitted_via:
 which was forwarded to the CFPB. I am now looking at filing a suit against Wells Fargo Home Mortgage for this current outrageous action! They have absolutely no proof that they sent me any "" warning '' correspondence of impending foreclosure action. Once again

Date_sent_to_company:
 I have to deal with the incompetence of Wells Fargo and their lack of explanation. The stress they caused me in XXXX XXXX and here I am again


Date_received: 01/29/2016
Product: Debt collection
Subproduct: Non-federal student loan
Issue: Communication tactics
Subissue: Called after sent written cease of comm
Company_public_response: FAMS stated that they did not contact me after XXXX XXXX
Company: 2015
ZIP_code: 2015
Date_sent_to_company: FAMS again lied under complaint number XXXX
Company_response: where they stated they had n't contacted me after XXXX 2015
Timely_response: which was another lie
Consumer_disputed: as I have the phone records of FAMS calling me on XXXX XXXX
Complaint_ID: 2015
Consumer_narrative:
XXXX hired Financial Asset Management Systems ( " FAMS '' ) to collect on a student loan. Under Consumer Financial Protection Bureau ( "" CFPB '' ) complaint number XXXX

State:
 which was a flagrant lie and a flagrant violation of the Fair Debt ColIections Practices Act. I have attached a letter from FAMS where they confirmed they tried to call me on XXXX XXXX

Submitted_via:
 even though they had received a written cease and desist letter from me in XXXX 2015 and another one in XXXX 2015. Both of which were logged in the CFPB complaint system and were in writing. In addition


Product: Inc."
Subproduct: KY
Issue: 41858
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 02/03/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
02/03/2016,Debt collection,Non-federal student loan,Communication tactics,Frequent or repeated calls,,Company believes it acted appropriately as authorized by contract or law,Key 2 Recovery


Date_received: 02/08/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Company_public_response: with all do respect
State: so you need to tell your father to step up and make the payments for you. '' Internally
ZIP_code: i was immediately enraged
Submitted_via: how dare you tell me how to talk to my father
Company_response: not bankruptcy
Timely_response: not the person
Consumer_disputed: nothing. In the past when looking into the future
Complaint_ID: i never thought bettering my life and my future would ever feel so draining
Consumer_narrative:
Attended XXXX University from XX/XX/XXXX-XX/XX/XXXX. Upon applying for college student financial aid, the federal government would not cover the full cost for me to attend my first or second year of college so I was then forced to seek financial assistance elsewhere. At the time, there were only XXXX private sources to obtain student financial aid, Wells Fargo being XXXX. After my first two years of college I was able to move out of the dorms and into a much cheaper house where I was also able to afford tuition by just federal financial aid, without having to apply for private student loans such as through Wells Fargo. I graduated XX/XX/XXXX with my XXXX and then made the move XXXX to begin my career XXXX at the age of XXXX. As a XXXX who just moved to a new area, it is hard to make a good career immediately after graduating, it takes time to build up a steady career, as anyone who is in the XXXX industry knows. That XXXX day where I have to start making student loan payments is about to knock on the door, so I knew I had to start making student loan payments from Wells Fargo six months after graduating, but what I did not know were the decapitating hardships and tears brought out of a grown XXXX man from the stresses of dealing with repaying my student loans to Wells Fargo month after month as well as my federal student loans. It is this way because Wells Fargo insists it be this way and i say that because of their uncaring and unhumane attitude towards helping an individual such as myself through a situation that many more will fall into. That dreadful day comes when i receive my first student loan bill from wells fargo, {$310.00} per month is steep no matter how one analyzes it so i call Wells Fargo to figure out a way to reduce that payment and the best option for me was to apply for an income based repayment plan, which i immediately applied for, the next day a man named XXXX from wells fargo, was speaking with my father ( cosigner ) about three things : one, how much money do you make each month ; two, how much is your rent ; and three, if he was currently paying any child support etc. XXXX got the rest of the information he needed over a credit report and based off of those parameters alone, i myself was denied a payment reduction plan. after receiving this agonizing news i called XXXX back to ask him why i had been denied. to which he replies " Well based off of your fathers current income status he can "" easily '' afford to make those payments for you. '' i said "" Sir

Company:
 i graduated college with the midset that i do n't need my parents to support me financially and that it can not possibly be fair of me to expect them to make MY student loan payments for me. '' to which he replies "" i am a father so i can respect that but we can not reduce your payment based off the fact that your father is "" well-off '' enough to make the payments for you

Date_sent_to_company:
 disrespectfully. i was not brought up that way and that comment was utterly rude and unhumane. i can not believe my efforts to reduce my monthy payment was denied based off of very minuscule premises and XXXX very disrespectful man. i feel they do not care about anything more than getting their money back. Not the quality of the repayers ' life


Product: XXXX & XXXX
Subproduct: XXXX
Issue: XXXX
Complaint_ID: i never thought bettering my life and my future would ever feel so draining
Date_received:
02/12/2016,Debt collection,Mortgage,Taking/threatening an illegal action,Sued where didn't live/sign for debt,XXXX


Date_received: 02/12/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company_public_response: trying to collect a debt that I do not even owe
Complaint_ID: Yes
Consumer_narrative:
I bought an auto from XXXX XXXX in XXXX within the 45 day return period the transmission went on the vehicle. I was able to negotiate with XXXX & purchase a different vehicle, which was paid off in XXXX. I received a judgement letter from Palisades Collection ( dated XXXX/XXXX/XXXX ) in XXXX XXXX & an " executive notice '' from the county sheriff 's department from palisades just this past month ( XXXX ). I have sent palisades a request for more info. I recently received the same letter from XXXX XXXX XXXX XXXX.. I guess they are representing PC. I responded to them with the same request. I never received any type of court orders prior to these notices. They are 2nd & 3rd party collectors

Company:
 that is more than the statue of limitation in NC. They have threatened to take my personal possessions. I have requested them to cease these actions


Product: XXXX XXXX
Issue: XXXX
Subissue: that she shredded the files
Complaint_ID: Yes
Date_received:
I was told one week after the documents had been submitted that my file had be " shredded. '' I attempted to speak with XXXX XXXX 's supervisor

Subproduct:
 and made five telephone calls over a two week period and he would not respond. I was then told to resubmit all the documents. I was told by an operations manager


Product: as a foreclosure date has been set XXXX XXXX
Subproduct: XXXX ; calls were routed to next available agent
Issue: comments were : A ) wrongfully advised that documents were not submitted
Subissue: or B ) documents were submitted
Consumer_narrative: or C ) resubmit documents because d
Complaint_ID: Yes
Date_received:
4. On the most recent RMA application : all requested documents were provided as requested. Homeowner has confirmation via fax that documents were received by the service 5. Homeowner has made numerous calls ( 20 ) inquiring on status of application


Complaint_ID: Yes
Date_received:
6. Servicer started a double tracking procedure upon the notice of default. The foreclosure agent was aware of the loan modification in process


Complaint_ID: Yes
Date_received:
Homeowner is claiming mortgage processing discrimination in delaying processing : by overloading servicer 's processing agents with a case work load of XXXX cases as per agents statement : ( disclosed by relationship manager via recorded conversation


Complaint_ID: Yes
Date_received:
02/12/2016,Credit card,,Closing/Cancelling account,,I stopped using Paypal a while ago. I tried to shut down the account. I had not used the account for almost a year. Now


Product: they did send me a letter
Subproduct: which was a joke! Chase is denying the claim dispute for transactions from XXXX
Complaint_ID: Yes
Date_received:
I went paperless with my bank statements about 6 months ago, and logging into my account, is usually a nightmare because of my password-for some reason, I ca n't remember it or WIFI is down and life happens and I end up not checking my statements. If I do need money from my savings, I always use my bank ATM or my mobile phone. All the unauthorized transfers come from a strange ATM, which my Bank additionally charged me banking fees for. Why would I use a strange ATM when I can do it for free on my phone? I usually transfer a large sum at once because I want to ultimately not spend this savings & invest for my future, however after a 5 year high conflict divorce with a XXXX criminal, I am very cash poor & have debts. The unauthorized transfers are done in slow, daily increments of $ XXXX {$1000.00}. I really think my bank should have contacted me to verify if there was fraud based on the irregular transfer activity. When I phoned to make the dispute, CHASE REP was very re-assuring. Then three days later a REP contacted me, in a very smug disposition, over the phone & denied my claim based on the fact I apparently checked my balance on my XXXX/XXXX/15. I may have, but this inquiry did not detail the transfers in question -- only my balance. All I do know is CHASE has had a data breach. I was also a victim of XXXX data breach. This is a high-tech cyber crime and my bank has provided no documentation on how they reached their decision despite my phone request for such evidence. The denied the claim by Monday after submitting my dispute on late Thursday. I think the only law my bank knows they have to abide by is resolving the dispute within 10-45 days. So they just deny and provide no evidence? I asked for additional dispute claim for the period after my " inquiry '' on XXXX. The Claims REP said it would be denied immediately. No evidence was ever provided to me

Issue:
 but fails to provide any written evidence for the full claim dispute despite my request for XXXX claim investigations to be fully documented on evidence once their decision was made. Please help me. I am wiped out. I was divorced after 15 years of marriage to a crook who stole our home 's equity by triple mortgaging it


Date_received: 02/03/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: but it remains on my report. While not fatal
Company: it does slightly impact my rating
State: and I have asked that the record be corrected and the entry deleted
Complaint_ID: Yes
Consumer_narrative:
Experian reported a XXXX credit card ( XXXX ) report that in XXXX of 2012, a payment was late. It was not. XXXX do correctly reported that the account was paid in full, and closed, but yet they ( XXXX ) continue to report a fictional late payment, that was timely disputed and resolved. Now, preparing to seek another mortgage, I disputed the matter again per mortgage broker, and Experian " investigated ''


Product: which in turn had appended to it partial payments history from XXXX XXXX
Subproduct: XXXX through XXXX XXXX
Subissue: and ( ii ) the Affidavit itself fails to establish that the documents appended thereto
Consumer_narrative: allegedly establishing the amounts due under the loan
Complaint_ID: Yes
Date_received:
3. Third, the Judgment Motion was supported in part by the Affidavit of Amounts Due and Owing of CitiMortgage 's XXXX XXXX XXXX ( " Affidavit '' )

Issue:
 XXXX which is inaccurate. ( attachment ) However a plain review of the XXXX discloses that it is insufficient as a matter of law because ( i ) the payment history appended thereto is incomplete and omits over 8 years of payment history


Date_received: 4. Finally
Product: the CitiMortgage 's loss mitigation affidavit
Subproduct: dated XXXX XXXX
Issue: XXXX
Consumer_narrative: the CitiMortgage represented
Company_public_response: under oath
Company: that Defendants were "" eligible '' for "" HAMP Modification '' and "" Traditional
State: Standard
ZIP_code: or In-House Modification Options ''. The foregoing statement
Submitted_via: however
Date_sent_to_company: was simply not true. In a correspondence dated XXXX XXXX
Company_response: XXXX from CitiMortgage
Consumer_disputed: which states that Defendants are eligible for modification. Perhaps more fundamentally
Subissue:
 and submitted in support of the Judgment Motion was in violation of Rule XXXX. In the loss mitigation affidavit

Timely_response:
 the CitiMortgage unequivocally stated that it could not modify the subject loan because the "" Loan must be Citi held ''. The foregoing letter clearly contradicts the loss mitigation affidavit

Complaint_ID:
 the foregoing letter also corroborates the argument that CitiMortgage was not the holder or owner of the subject loan documents. 


Date_received:
02/17/2016,Debt collection,I do not know,Disclosure verification of debt,Not disclosed as an attempt to collect,I am in the process of purchasing a house for my family

Complaint_ID:
 the foregoing letter also corroborates the argument that CitiMortgage was not the holder or owner of the subject loan documents. 


Date_received: 02/09/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
Company_public_response: as the transactions have always been in my local area
Company: within what any reasonable person would consider normal activity
State: and for low dollar amounts. Upon an inquiry/complaint call
Date_sent_to_company: this oversight was mentioned to the representative
Timely_response: I was told that the error was a "" mismatch
Consumer_disputed: '' which was explained as the merchant not using a EMV chip reading device. However
Complaint_ID: my card is swiped at many merchants
Consumer_narrative:
On 6 occasions in the last 5 months, my debit card has been declined for " unusual activity '' at Bank of America. I have called on numerous occasions to determine the reason for the fraud alert

ZIP_code:
 I had asked for a supervisor to research the reason for the decline and to return my call with the results. However

Submitted_via:
 I did not receive any further communication from Bank of America. On a subsequent debit card freeze

Company_response:
 but I was not offered a specific explanation as to why the transaction was deemed "" suspicious. '' On the most recent occasion ( today )


Product: XXXX XXXX XXXX
Subproduct: XXXX XXXX XXXX
Issue: XXXX XXXX XXXX
Subissue: XXXX XXXX XXXX
Consumer_narrative: XXXX XXXX XXXX
Company_public_response: XXXX I find it ( and Bank of America should
Complaint_ID: my card is swiped at many merchants
Date_received:
The dates this issue occurred ( since Bank of America is unable to adequately supply this information ) are : XXXX XXXX

Company:
 too ) ridiculous that a consumer must experience so many issues with his/her debit card and that nobody took the initiative to research and provide a valid solution. This issue was left to continue for an indefinite period of time


Subproduct: stating that she specifically did NOT authorize any transaction on any of our accounts. Regardless
Issue: on XXXX/XXXX/16 {$870.00} was withdrawn from my XXXX bank account ( which is in my name only
Subissue: not my cosigner 's name ) by Simms Associates and paid to XXXX XXXX XXXX
Consumer_narrative: my loan servicer
Complaint_ID: my card is swiped at many merchants
Date_received:
02/17/2016,Debt collection,Non-federal student loan,Taking/threatening an illegal action,Seized/Attempted to seize property,Simms Associates was hired to collect for my XXXX delinquent student loan accounts owned by the XXXX XXXX XXXX. Simms made contact with my cosigner ( NOT me ) prior to engaging in what I believe to be illegal activity. On XXXX/XXXX/16

Product:
 Simms claims that they spoke with my cosigner and that my cosigner authorized for payments to be taken from my bank account. My cosigner denies this

Company_public_response:
 and listed as a "" Borrower Payment. '' I myself had no contact with Simms Assocates regarding this particular loan issue prior to XXXX/XXXX/16


Issue: then someone else did
Complaint_ID: my card is swiped at many merchants
Date_received:
I contacted XXXX XXXX XXXX to determine whether or not they provided my bank account information to Simms

Product:
 they claimed they had not. Which would mean that only XXXX Bank could have provided this information to them. XXXX Bank was the original owner of my loans

Subproduct:
 but sold them some time ago to XXXX XXXX XXXX. I am curious as to why they might provide my bank account information for loans that they claim to not own anymore. If they did not provide this information to Simms Associates


Date_received: I also contacted XXXX asking them to stop the payment of this {$870.00} pending transaction
Product: to which they stated they would attempt
Issue: but for whatever reason
Complaint_ID: my card is swiped at many merchants
Subproduct:
 but could n't guarantee that the payment could be stopped since it was already pending. Previously XXXX Bank has been able to stop a pending payment from going through when I 've needed them to


Date_received: 02/09/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
State: I have made a voluntary payment of {$45.00} within the last 30 days
Complaint_ID: Yes
Consumer_narrative:
I have XXXX bank accounts with BB & T, neither are used as overdraft protection for the other because I preemptively " opted out '' for both accounts with the understanding that BB & T would decline all transactions if/when my accounts have insufficient funds. On XXXX XXXX

Company_public_response:
 2016 BB & T transferred {$140.00} out of XXXX of my bank accounts without my permission. The {$140.00} was apparently taken to pay off a {$5.00} service fee and {$140.00} of overdraft fees amassed from {$45.00} being pulled from my account as result of XXXX 's default settings. Again

Company:
 my understanding of the "" opt-out '' option was that the bank would decline all transactions if funds were not available. Nonetheless

ZIP_code:
 but the forced transfer of {$140.00} on XXXX XXXX was done without my permission and to my detriment as I have other


Subissue: I was assured that would n't happen. Of course
Consumer_narrative: it did. When I contacted the mortgage company to ask that the negative information be corrected
Complaint_ID: Yes
Date_received:
During an escrow analysis, I called customer service with a question. Unknown to me this triggered an inquiry which then led to my entire next mortgage payment being misapplied to the escrow account instead of to my mortgage. Again, unknown to me, all my subsequent payments were " late ''. When I was finally notified after several months

Product:
 no one in customer service could tell me what had happened to my payment. After more than a month of calling and speaking to customer service and escrow representatives

Subproduct:
 all of whom assured me that they would take care of it and promised to call me back ( they never did )

Issue:
 I finally spoke to an intelligent young man in Escrow who figured it out and realized that the payment had been misapplied. At the same time I received checks from the company for a huge escrow overage ; the misapplied payment. This young man and a customer service rep managed to it straighten out and I used the escrow overage checks to make that "" missing payment ''. When I asked about my credit ( score ) being damaged


Date_received: 02/03/2016
Product: Credit card
Issue: Customer service / Customer relations
Complaint_ID: Yes
Consumer_narrative:
Capital One does not want to provide information regarding my account. I understand they could not provide the info due to a recent identity theft that happened to me. They are requesting for me to provide documentation to prove my identity. I provided documentation but Capital One is saying the documents does not match the address they have on file for me. The address they have for me is " XXXX XXXX

Company_public_response:
 CA '' which is for a closed account I had with them before. I applied for a new credit card last year with capital one using my XXXX XXXX address. I have called them numerous times and will not help me until I provide documentation with my "" XXXX XXXX


Issue: and if we 're going to talk about accurate balances
Subissue: it should show
Consumer_narrative: in the least
Company_public_response: a {$150.00} balance. With that said
Complaint_ID: Yes
Date_received:
02/12/2016,Credit reporting,,Incorrect information on credit report,Account status,This company said they would delete on numerous calls from numerous phone numbers but did n't

Product:
 and they seem to be the type of company who does n't honor their own word since they did not take responsibility and delete as they said they would ( go figure ). Even with them not honoring their word

Subproduct:
 their are not reporting correctly. The balance for this account still shows {$310.00} dollars and as an active collection account on my credit profile. That was the balance when I made my settlement payment

Company:
 it should reflect as a paid settlement with a XXXX balance. This is with XXXX XXXX XXXX and XXXX XXXX. I wrote a much longer complaint but my web page was somehow redirected to the previous page right before hitting the submit button. I blame it on my unsteady fingers


Date_received: 02/12/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
Complaint_ID: Yes
Consumer_narrative:
Regarding : Case # XXXX Case # XXXX Cause No. XXXX In final response to Kondaur limited reply. Kondaur evicted me after they sneakily, undercover-ly knowingly and deliberately stole my house. Kondaur did not care about me as a consumer. They pretended that they were going to help ; however, their intentions were to purchase the loan from XXXX and sell the house out right! I qualified for the loan modification which they have established but refuse to comply. KCC did not reach out to me before the said " foreclosure '' on XXXX/XXXX/2015. In which I was told

Company_public_response:
 by the auctioneer at the time of the sale at XXXX XXXX that no "" foreclosure '' would be done. How can you foreclose on a house that has not been mandated to back to XXXX XXXX County- while it is in federal court? They pretended by using a CS Rep/ Relator XXXX XXXX to fill my head with the hopes that they would like to help after stealing my home


Date_received: 02/09/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
Company_public_response: we guarantee to close by the date specified in your purchase contract
Company: unless prohibited by federal law
Submitted_via: co-ops
Date_sent_to_company: unapproved condos
Company_response: residences under construction
Timely_response: community lending programs and government loans. In Texas
Complaint_ID: giving approximately 60 days until scheduled closing.
Consumer_narrative:
I Applied for mortgage with Citi with a closing date on a new home being built by XXXX XXXX. Citi did n't schedule final inspection properly and resulted in my closing date being delayed by 4 business days. Per Citi, ( taken from Citi webpage ) " On-Time Closing Guarantee - We 'll close on time or give you {$1500.00}! '' with the following restrictions - XXXX "" If you are purchasing a home

State:
 * and further provided that the date is at least 30 days after the application date and the date of your purchase contract. If your loan fails to close on time due to a delay by Citibank

ZIP_code:
 you will receive a credit toward closing costs of {$1500.00}. Offer not available for refinance loans

Consumer_disputed:
 the credit may not result in your receiving cash back. ( *Federal law requires certain disclosures be delivered to the borrower at least 3 business days before consummation. The Guarantee to close does not apply if such disclosures are required and your closing is delayed due to the 3-business-day waiting period. ) '' Loan Application was formally made XX/XX/XXXX


Date_received: Home construction was finished Approximately XXXX XXXX
Subproduct: XXXX. Due to Citi scheduling issues
Issue: the inspection was rescheduled for XXXX XXXX and finally took place on XXXX XXXX
Complaint_ID: giving approximately 60 days until scheduled closing.
Product:
 XXXX and I had the final inspection/walkthrough with the builder shortly after. The final inspection scheduled with citi was scheduled with loan officer for XXXX XXXX


Subproduct: or lack there of
Complaint_ID: giving approximately 60 days until scheduled closing.
Date_received:
Citi did not honor on-time closing guarantee stating that house was under construction at time of application. While this is true

Product:
 that condition is not explicitly stated in Citi 's terms and restrictions. The house was NOT under construction when Citi encountered a scheduling error ( holidays maybe? ) and there for should still be eligible for the on-time closing guarentee per the verbage of Citi 's Terms and Restrictions as they apply to the 'on-time closing guarentee ' The fault for a late closing rests solely with Citi and was in no way influenced by the actions


Date_received: 02/17/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: I insisted on a copy of it front & back
Submitted_via: saving's
Date_sent_to_company: XXXX & an IRA with this bank and all of the tellers know us very well
Consumer_narrative:
My spouse & i have banked with Wells Fargo for years, I wanted to deposit XXXX into our checking account, they ran the money through their machine and the branch manager said a XXXX bill was counterfeit. I then took my sharpie money marker and made a yellowish green mark on the bill to prove to him that it was good. He said to me "no that is counterfeit & i can't allow you to leave here with it

Company:
 He gave me a copy of it and put the bill in his pocket of his suit. I told him we got the money from this bank

State:
 he argued that i did not. I told him that we always cash checks here & have for 25+ years. I ask him a question

ZIP_code:
 ""what kind of bill would i have had to cash to get back a XXXX bill ?"" He replied ""It didn't come from this bank:. God knows as well as we do that that bill came from that bank. I have my copy of the bill with the serial number's on it clear as water. Even though we got a checking

Company_response:
 The branch manager kept the money and did not once offer to re-place it. This particular bill most definitely came from Wells Fargo Bank. I have tried to get help with this & it seems it does not matter to anyone. I am considering not only changing everything to a different bank but also hire a lawyer and see what can be done about this

Timely_response:
 Just to prove to the branch manager that this bill was a good bill and definitely NOT counterfeit. I am contacting the XXXX and filing a complaint there as well. This is not right

Consumer_disputed:
 Nor is it fair........In my opinion he just made himself a free XXXX dollars. We are very upset about this & i will not stop until justice is served. No matter what it cost me out of my pocket just to prove to him that i am right. He took our money & thinks he is going to get away with it

Complaint_ID:
 But he is not !!!! My opinion would be for people to beware if you are banking at Wells Fargo Bank...."


Date_received: 02/17/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company: which I did. This same date
State: I mobile deposited the only funds I had
ZIP_code: my payroll check
Submitted_via: to my newly created checking account. The bank put a hold on my money
Company_response: Friday. The next day
Consumer_disputed: found out they closed my account without notice and had my money. This same date
Complaint_ID: my mom went into a local branch to speak with the branch manager regarding these events
Consumer_narrative:
On Thursday, XXXX XXXX, 2016, I opened a " Bank of America XXXX Checking '' account and a "" Regular Savings '' account online. This same date

Company_public_response:
 I received an email notification titled "" Online Application Has Been Approved '' along with the ability to access and create my online login ID

Date_sent_to_company:
 so I reached out to online chat to inquire why and was told the funds would be available the next day

Timely_response:
 I attempted to login to my checking account to determine whether the funds were available and could not access the account. I again reached out to the bank via chat and phone and after being given the run around for nearly an hour


Date_received: 02/17/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
Ocwen Loan Servicing keeps force-placing insurance on my account, which creates a negative balance in my impound account. They then sent me a notice that I am XXXX or more days past due. I contacted them and they " resolved '' the issue. Several months later they again force-placed insurance


Product: Inc."
Subproduct: OH
Issue: 43230
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 02/19/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
02/12/2016,Student loan,Non-federal student loan,Dealing with my lender or servicer,Don't agree with fees charged,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,ECMC Group


Date_received: 02/13/2016
Product: Credit card
Issue: Billing statement
Complaint_ID: Yes
Consumer_narrative:
I have a credit card through Wells Fargo Bank. I reached my limit and came to a payment agreement with them that I would no longer be able to charge on my card. They are taking automatic deductions from my checking account. However, once they started doing that they stopped sending me statements in the mail. I tried opening an online account so I can keep track of the account and the site would not allow me to do so. I called them to ask them to help me set up an online account and they told me that because the account was " over charged '' and had been closed

Company_public_response:
 that they would no longer provide me with or allow me to open an online account. The only way they offered for me to follow the progress of my payments was to call them monthly and they would tell me what my balance is. Can they take money from me without giving me a written method of following the account? For all I know


Subproduct: date of birth
Consumer_narrative: they would talk to me in a rude manner asking me to fax my infos ( such as social security card
Company_public_response: Driver 's license
Company: Permanent resident card
Complaint_ID: Yes
Date_received:
02/18/2016,Credit card,,Identity theft / Fraud / Embezzlement,,I was offered to have an XXXX citi card as there are no international fees if you use the card overseas. Bought my tickets with the card after i got approved. Before I leave the country I filed a travel notice and was provided a ref. no for it just so I could use the card. The consultant I spoke to assured me that my card is goodcto use. I tried using the card to make a purchase 5 days after but it got declined. So

Product:
 I pulled up my account online and saw that there was a fraudulent hold placed on my account as I was overseas. Called citibank and spoke to different consultants and managers but no ones seems to know how to help me. They ask me for my personal informations like account password

Issue:
 social security no. and banking information but they said they cant release the hold as they cant verify my phone no. as it was a prepaid phone.They did n't even tried to offer any other resolution as i was overseas. They finally told me that I need to go back to U.S. to fixed the enquiry. I spent probably almost 6hrs on the phone

Subissue:
 trying to be nice and patient but none of them was being helpful. They keep on putting detailed notes of resolutions that they didnt do making me look bad everytime I would call them. Now


Date_received: 02/18/2016,Mortgage,FHA mortgage,Loan modification
Product: collection
Subproduct: foreclosure"
Consumer_narrative: I received a letter today stating that if I do not pay the full amount due by XX/XX/XXXX
Company_public_response: they will foreclose. WHen I called
Complaint_ID: Yes
Subissue:
I contacted my mortgage servicer to be reviewed for a modification to reduce my interest rate. I started this process XX/XX/XXXX. I was told they could n't do anything for me unless I went onto a temporary forbearance plan first, then they would review me for modification. I went on the plan, paid the forbearance payments for XXXX and XX/XX/XXXX, and then resubmitted all my information for review of modification. After reending documents over 4 times when the stated they " could n't find them ''

Company:
 I am told it is with underwriting but they can not guarantee that a decision will be made before the deadline. When I started this process


Product: the branch manager
Subproduct: who promised to help us obtain restitution ( and who did not ) and ( XXXX ) XXXX XXXX
Issue: the Area Manager
Complaint_ID: No
Date_received:
The people responsible for denying us access during this sorrowful and emotional time were : ( XXXX ) XXXX XXXX, XXXX/XXXX/XXXX who prevented us from transferring funds from our father 's savings account into his checking account ; ( XXXX ) XXXX XXXX who, on XXXX/XXXX/XXXX ( after our father 's passing ) told us to go to the county courthouse to obtain a " short notice '' - a form that is not required for a trust ; ( XXXX ) XXXX XXXX


Complaint_ID: No
Date_received:
XXXX XXXX promised to reach out to me on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. She did not. After speaking with XXXX XXXX on several occasions


Issue: which should show my personal information
Complaint_ID: No
Date_received:
02/13/2016,Credit card,,Identity theft / Fraud / Embezzlement,,About two and half years ago I purchased a copy of my credit report and had noticed there were addresses and some credit card accounts that was not mine

Product:
 among these account XXXX them was with bank of America. I had immediately contacted the credit bureaus and had notified them about my identity was stolen .Also same time I did a police report and ftc report and contacted every XXXX of those account that was showing up in my credit report that did not belong to me and explain to them about my identity was stolen and all of them took care of the account that was opened under my name but having problem with Bank of America that been giving me the run around for the past two and half years. I had send them the following letter certified mail more than ten times

Subproduct:
 Dear Sirs or madams : An account from your company is appearing on my credit report. I am not aware of having any account with your company. I request that you investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account


Date_received: If you can not or will not provide me this information
Complaint_ID: No
Product:
 then I formally request you send me a letter stating that this account does not belong to me and that it will be removed from my credit reports. Until this matter is cleared up


Product: Ltd."
Subproduct: NC
Issue: 27292
Subissue: Servicemember
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 02/18/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: No
Date_received:
02/18/2016,Debt collection,I do not know,Cont'd attempts collect debt not owed,Debt is not mine,,Company believes it acted appropriately as authorized by contract or law,Harris & Harris


Date_received: 02/18/2016
Product: Credit card
Issue: Rewards
Company_public_response: evaluate my phone
Complaint_ID: Yes
Consumer_narrative:
I signed up for a Wells Fargo Credit Card with the understanding that it came with a Cell Phone Protection. According to the Wells Fargo reps, I simply submit a claim with them, and XXXX would take care of the claim and have everything processed within 7 days. On XXXX XXXX, 2016, I notified them of damage beyond repair to my phone. Now Wells Fargo is sending me to another company called XXXX XXXX XXXX ( whose website says they are Asurion, but the phone rep from XXXX XXXX XXXX repeatedly tells me that they are in no way, shape, or form associated with Asurion ). XXXX XXXX XXXX repeatedly denies my claim saying that XXXX requires me to get an estimate from XXXX on the repair/replacement cost of the phone. They said that XXXX will " ship me a box free of charge

Company:
 and give me an estimate of repair. '' XXXX XXXX XXXX continually tells me that I must go through XXXX for this repair. XXXX on three occasions has said that all they can provide is an estimate that the phone is beyond repair and that the full replacement cost is {$540.00}

State:
 and has given me this documentation. XXXX says they have never heard of a company requiring so much info


Subproduct: they are not a part of Asurion ( though the website claims different )
Subissue: whom went over my Terms & Conditions
Company_public_response: their contract with XXXX
State: to which they said no
ZIP_code: they just give verbal information. Now
Complaint_ID: Yes
Date_received:
The representative at Card Benefit Services notified me there is no way for me to directly speak with the Claims Administrator

Product:
 told me that she personally is the highest point of contact and I can not speak to anyone of her superiors

Issue:
 and that all correspondence takes at least 5 business days to look at. Wells Fargo informed me that they never intended for the process to be this complicated. Card Benefit Services referred me to Wells Fargo as they said it is in my Terms & Conditions that I will have to jump through many hoops to get a replacement device. I called Wells Fargo

Consumer_narrative:
 and there was nothing as such in there. I called back to XXXX XXXX XXXX who said they do not have anything in writing as to their process

Company:
 nor a listing of documents that they request from the customer. She then told me I would have to contact XXXX for their terms & services. I asked if they can give me a legally binding document in writing or a Terms & Conditions

Submitted_via:
 they are telling me that I must travel 6 hours away to an actual XXXX XXXX to have my phone evaluated. None of this is in my Terms & Conditions. I feel that I was baited with this card benefit


Complaint_ID: Yes
Date_received:
02/18/2016,Credit card,,Customer service / Customer relations,,I called American Express so that I would be able to realize a question that I had. I had previously called and I did n't have any problems and all of the representatives were lovely and understanding. I called again because I had previously called and spoken to a supervisor who had given me some bonus miles in my gold delta card and he told me to call back today and ask for a rep so that I could get my intro offer expedited. I first spoke to a great rep that was understanding or my situation. He later transferred me to a horrid customer service supervisor that had no customer service skills at all. She started off by saying hello

Product:
 but in a very dry way and she did n't seem to concerned about me or my problems. She almost right away instead of saying anything else said "" I will be taking back all of the miles given to you ''. I did n't do anything wrong and I 've been with Amex for over 22 years and she made me consider cancelling all of my cards. I never lost my cool and she was still being very rude to me and dry and cutting me off even after I explained my problem and what was happening. In the end I was almost in tears because she did n't understand anything I said even though I had repeated myself many times. She did n't even say that she was sorry due to the circumstances and when the call was done all she said was "" I will be talking the miles back ok '' even though I was still trying to convince her otherwise and trying to explain my situation and what she was doing to me. She then hung up and did n't even with me a good day or anything of the sort. The customer service supervisor 's name was XXXX. I am trying to send me son to New York for a XXXX in the summer and the tuition was over {$3000.00} and I also had to buy the ticket. The previous rep supervisor had given me extra miles to help me out and I had completed to pay my flight with miles and my son thought that he was surely going and everything was set


Complaint_ID: Yes
Date_received:
02/13/2016,Credit card,,Late fee,,i was asked to sign up for a credit card in Macy 's in XXXX. i gave the cashier my info she gave me a slip and the merchandise charge was on the card {$26.00}. i did not recieve a bill nor the card so 3 weeks later i called Macy 's to pay my bill and let them know that i did not get the card. i gave my account info got a confirmation number and paid it by phone. today i called to cancel the card because i did not receive it. The rep told me that i have a balance she said that the payment did not go through. I gave them correct information. She wants me to pay about {$95.00} due to late fees. This is bizzarre


Date_received: 02/13/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Frequent or repeated calls
State: Company has responded to the consumer and the CFPB and chooses not to provide a public response
ZIP_code: Bank of America
Submitted_via: NY
Date_sent_to_company: 11002
Timely_response: N/A
Consumer_disputed: Referral
Complaint_ID: 03/04/2016
Consumer_narrative:
 XXXX '' has called my roommates number every single day| has called my number several times a day| has called my mother and brother-in-law several times and has also called me at work at the hospital more than several times. On one occasion she spoke to me| so she knows that I am aware of the debt| and I ca n't receive personal phone calls at work. Yet she still calls| even today ( XX/XX/2016 ). She refused to deal with the credit counseling company even after I signed a power of attorney for them to negotiate my debt. I told her I was going to seek the advice of counsel for all my debts to see what I should do| and she spent 30 minutes on the phone telling me why I should n't do it while I was at work. I ca n't tie up the phones so doctors and other XXXX or the XXXX ca n't get through to get results. She obviously does n't understand that. She was told again today by the XXXX manager that I ca n't receive personal phone calls at work. 
,Company disputes the facts presented in the complaint,Sun Loan Company,AL,359XX,,Consent provided,Web,02/13/2016,Closed with explanation,Yes,No,1786223
02/18/2016,Debt collection,Credit card,Disclosure verification of debt,Not given enough info to verify debt,,,Capital One,OR,97018,,N/A,Referral,02/18/2016,Closed with explanation,Yes,No,1793692
03/03/2016,Bank account or service,Checking account,Making/receiving payments| sending money


Date_received: 02/18/2016
Product: Credit card
Issue: Billing disputes
Complaint_ID: 03/04/2016
Consumer_narrative:
I obtained credit through Amazon.com. I am uncertain of the credit limit but I believe it was at least {$600.00} with free membership in prime Amazon. Shortly after, I received a " credit card '' from Syncrony Bank in XXXX


Date_received: 02/18/2016
Product: Debt collection
Subproduct: Mortgage
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Company_public_response: they also referenced to letter dated XXXX XXXX
Company: XXXX. The inoperative word that XXXX XXXX used
State: "" believe ''
Date_sent_to_company: XXXX styled
Company_response: Cancellation of Foreclosure Sale. Then on XXXX XXXX
Timely_response: XXXX
Consumer_disputed: Aldridge Pite LLP
Complaint_ID: gave Notice of Pending Foreclosure Sale
Consumer_narrative:
On XXXX XXXX, XXXX I was contacted through the mail by Aldridge Pite LLP, who claim to be attempting to collect an alleged debt for XXXX XXXX XXXX. Upon receiving the letter from Aldridge Pite, I began to draft my response pursuant to 1692 ( g ), and before I could enter my dispute I received a Notice of Pending Foreclosure Sale on XXXX XXXX, XXXX. On XXXX XXXX, XXXX Aldridge Pite received a Consumer Notice of Dispute of Debt in pleading form pursuant 15 USC sec.1692g, and though there were some apparent errors in the notice, the demand was very clear. Aldridge Pite LLP 's response was lacking verification and validation of any facts, as submitted in letter received XXXX XXXX, XXXX. At that time I saw that XXXX XXXX was indeed a debt collector as defined by 15USC sec.1692 ( a ) ( 6 ), and then filed Notice of Insufficient Response on XXXX XXXX, XXXX. The Notice sited errors in accounting of alleged debt by proof of Aldridge Pite 's own submission, demanded verification and validation, and ordered a CEASE AND DESIST. After XXXX XXXX 's receipt of such Noitce, I received through the mail a Cancellation of Foreclosure Sale on XXXX XXXX, XXXX. However, on XXXX XXXX, XXXX, I received another Notice of Pending Foreclosure Sale identically styled as the previous Notice of Pending Foreclosure Sale absent of any acknowledgement of dispute or verification and validation. My response to Aldridge Pite, was to make Notice of Violations Pursuant to 15 USC sec.1692 on XXXX XXXX, XXXX. Aldridge Pite responded saying, " we believe our response was sufficient to satisfy and verification obligation we may have under the FDCPA ''

ZIP_code:
 is neither verification nor validation as defined by law which lead me to draft a FINAL NOTICE on XXXX XXXX

Submitted_via:
 XXXX siting a Summary of Facts and Violations pursuant the FDCPA XXXX XXXX sec.1692. Aldridge Pite 's response to such filing was to send a letter dated XXXX XXXX


Product: such as the evaluation of an application for a loan
Subproduct: credit
Issue: service
Complaint_ID: Yes
Date_received:
Limit access to your information. A consumer reporting agency may not provide your credit report to any party that lacks a permissible purpose


Subproduct: you may add a statement to your credit file explaining the matter. For more information
Complaint_ID: Yes
Date_received:
Investigate disputed information. If you tell a consumer reporting agency that your file contains inaccurate information

Product:
 the agency must promptly investigate the matter with the source that provided the information. If the investigation fails to resolve the dispute


Date_received: 03/03/2016
Product: Credit card
Issue: Credit card protection / Debt protection
Company_public_response: "" I must 've voluntarily opted for the coverage ''
State: and has resulted in many class action lawsuits. According to XXXX
ZIP_code: "" If you have a credit card
Submitted_via: you 've probably heard the pitch. It comes from a telemarketer
Date_sent_to_company: or perhaps from a mailer included with your statement
Company_response: and warns
Timely_response: "" life is unpredictable. '' Prepare for the worst
Consumer_disputed: the pitch goes on to say
Complaint_ID: by purchasing a plan that will handle your credit card debt if you lose your job
Consumer_narrative:
Hello, My name is XXXX XXXX and I 'm writing in reference to my Navy Federal Credit Union Visa Card. I contacted NFCU more than one month ago, on XXXX XXXX, XXXX about an erroneous reoccurring charge of {$37.00} to my account for a " Payment Protection Plan ''. The charges are from XX/XX/XXXX-XX/XX/XXXX. I discovered that I was wrongly charged for services I NEVER knowingly agreed to. NFCU 's position is

Company:
 I deny that. I applied for this card via online/and confirmed by cell phone from XXXX. This same tactic is a huge moneymaking scheme of large banks and credit card companies


Date_received: What it wo n't tell you is that for years
Subissue: detailing the 60 days you have to cancel the service with a full refund. '' But
Consumer_narrative: I 'm XXXX XXXX XXXX XXXX
Company_public_response: XXXX at XXXX
Company: XXXX
State: XXXX. The mail delivery here can be and often is
Company_response: if I were suddenly unemployed or sick
Timely_response: I 'd receive VA XXXX pay at minimum
Complaint_ID: why would n't I want the same piece of mind for the car note on my brand new XXXX Lexus vehicle
Product:
 card issuers have been making fat profits off these payment protection programs while complaints from consumers and activists have piled up. But now

Subproduct:
 a slew of lawsuits and a federal investigation have put the plans themselves on an unpredictable course. '' According NFCU

Issue:
 "" Documentation was provided with the card when it was approved in XXXX of XXXX that outlined the program

ZIP_code:
 notoriously slow. It 's documented that mail delivered to XXXX addresses can routinely take up to 60 days for delivery

Submitted_via:
 which would already put me outside of the 60 day-full-refund window. I have never opted for a payment protection plan on any products I 've purchased or financed via NFCU. This coverage is a one-sided payday for NFCU. As a 16 year XXXX Vet

Date_sent_to_company:
 there 's absolutely no benefit for me to have this protection. Given the length of my military service

Consumer_disputed:
 plus an XXXX XXXX pension or a large severance payment. Why would n't I be able to cover a minimum payment on a credit card? Furthermore


Date_received: This is n't an isolated situation and apparently happens to many more hard working Americans
Product: not specifically at the hands of NFCU. Again
Subproduct: according to XXXX
Consumer_narrative: car loans
State: especially those in uniform. Without us
Complaint_ID: why would n't I want the same piece of mind for the car note on my brand new XXXX Lexus vehicle
Issue:
 "" credit card companies have billed cardholders billions for payment protection and other products that they did n't request or that did n't provide the promised benefits.The lawsuits claim there is no easy way for customers to ask questions

Subissue:
 file a claim or cancel the product. '' I 've purchased approximately {$100000.00} in financial products

Company_public_response:
 personal loans and services since becoming a member in XX/XX/XXXX. I recently paid off my NFCU VISA card w/XXXX of my hard earned money in a lump sum. I pay what I owe. They 've taken food from my daunter 's mouths

Company:
 I feel violated. They have enormous financial assets and should n't prey upon hard working Americans


Date_received: 03/03/2016
Product: Credit card
Issue: Billing disputes
Company: one month later they sent me a letter reversing the charge
Complaint_ID: Yes
Consumer_narrative:
I made a purchase from a door to door salesman on XXXX XXXX, 2015. I contacted the Merchant ( XXXX XXXX XXXX ) on XXXX XXXX and XXXX XXXX, 2015 to cancel the sale and request they come and retrieve their merchandise. Per the FTC " cooling off period '' rule

Company_public_response:
 I am allowed to cancel any sale made in my home for any reason without the merchants ' consent. XXXX I paid for the transaction using my Sears MasterCard issued by Citibank Retail Services ( CRS ). I disputed the charge with Citibank and cited that I had canceled the transaction per my rights as noted by the FTC rules. CRS did initially provide me with a temporary credit for the disputed amount. However


Date_received: 02/18/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Complaint_ID: Yes
Consumer_narrative:
I attended the University of XXXX XXXX between XXXX and XXXX. I paid off my loan in XXXX. In XXXX XXXX, I received a XXXX for reduction of debt, supposedly on XXXX. However, I never received any information about this previously nor did I receive a reimbursement for the amount in the XXXX. Discover has been " investigating for 2 weeks


Date_received: 02/26/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
ZIP_code: XX/XX/XXXX 's payment went towards XX/XX/XXXX
Submitted_via: XX/XX/XXXX 's payment went towards XX/XX/XXXX
Timely_response: as well as XX/XX/XXXX XX/XX/XXXX
Complaint_ID: Yes
Consumer_narrative:
I contacted Nationstar Mortgage about doing a loan modification. I was told that starting XXXX XXXX my payments would go to a modified amount of {$870.00} and would be in a trial period for the next 4 months. In XX/XX/XXXX, I still had not received any modification paperwork from Nationstar. I called Nationstar and spoke to someone and they told me to go ahead and make the {$870.00} payment which I did. I made {$870.00} payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At that time, I decided that it was best to do a cash-out refinance with another company because I did n't like the way that things were going with Nationstar ; nor did I like the lack of contact with XXXX XXXX my " dedicated loan specialist ''. ( I emailed him numerous times and never received a response ). Starting XXXX XXXX

Company_public_response:
 I went back to making the {$1000.00} mortgage payments and have done that since that time. I found out in XXXX XXXX Nationstar put on my credit that I had a 30 day past due balance of {$430.00}. Although they put that on my credit Nationstar mailed me a check in the amount of {$580.00} on XXXX XXXX

Company:
 XXXX. I contacted Nationstar about this {$430.00} balance that they claimed I owed. I asked them if I owed money why was n't the {$430.00} taken out of the {$580.00} check before any money was mailed to me. The representatives answer was that the {$580.00} was n't enough to cover a mortgage payment so they mailed it back to me and {$430.00} was the remaining difference between the {$580.00} and the remainder of my mortgage payment. That is incorrect because {$580.00} and {$430.00} totals {$1000.00}

State:
 which is not enough to cover my mortgage payment. She also informed me that when I made the {$1000.00} mortgage payment in XX/XX/XXXX that money was put on my account for XX/XX/XXXX. ( Take it that I had already made the modified payment of {$870.00} in XX/XX/XXXX ). So every month that I have made my mortgage payment it has been posted for the previous month. So XX/XX/XXXX 's payment went towards XX/XX/XXXX

Date_sent_to_company:
 and so on. It now looks like I 'm a complete month behind on my mortgage payment when I am not! I do not see how they can put a payment on a previous month when it has already been paid. They have also given me several late fees

Company_response:
 etc. Now they are saying that I owe over {$2000.00}. I disputed this on my credit report ( XXXX ) and the results came back on XXXX states that historical account information was deleted from my account and has been updated. It also states the prior paying history on this account has been updated. Nationstar has not updated anything! I have called them several times and can not get an accurate answer as to what is going on with my account. They have XXXX past 30 day marks on my credit report for XX/XX/XXXX and XX/XX/XXXX ( when I was in the modification period


Complaint_ID: Yes
Date_received:
Earlier this week I went into a Chase bank, as part of the JPMorganChase, N.A. conglomerate, XXXX, and spoke to a XXXX XXXX XXXX in an effort to obtain personal checks and an ATM card. He was affable and seemingly helpful, and told me that I would have the new checks and a new ATM card by today, Friday, XXXX XXXX 2016. Later in the same day that I met with him, he left a message on my home answering machine and said he needed to speak to me again about another " security question '' but did not say what the question was. Altogether


Product: then had to leave without seeing him. Before I did so
Issue: had stopped in to see him
Complaint_ID: Yes
Date_received:
The next day I was in the area again on other business and stopped in to see him in response to his telephone message. He was not available when I arrived so I waited for about 10-15 minutes

Subproduct:
 I spoke to XXXX the tellers in this tiny bank and asked her to please tell XXXX XXXX that I 'd gotten his telephone message


Date_received: Yesterday some checks and an ATM/debit card arrived. As usual
Issue: I believe
Company_public_response: "" XXXX XXXX
State: we wanted more of the XXXX
ZIP_code: XXXX XXXX checks with the same information on them as the ones I 'd shown him when I was there. He
Submitted_via: in turn
Complaint_ID: Yes
Product:
 they were the wrong checks on the wrong bank and the ATM card appears to be on the wrong bank as well

Subproduct:
 although it is difficult to tell what bank it is on and where that bank may be located. I had brought samples of the checks we 'd needed more of with me when I 'd met with XXXX XXXX. He looked at them and kept them for some time before returning them. The checks are light blue with a silver band across the top. They are made by XXXX and

Subissue:
 are called "" XXXX XXXX. '' I asked XXXX XXXX when I 'd met with him if he had any sample checks so that I could check the names of the checks and he said that he did not

Consumer_narrative:
 but he nevertheless assured me repeatedly that there would be no problem getting more of the same kinds of checks that we 'd been using for 15 or more years. The checks I brought with me and showed to him clearly indicate that they are for a "" JP Morgan Private Bank '' XXXX. Copies of XXXX of them and a deposit slip from the other are attached to this complaint. I mentioned what I thought were the name of the checks

Company:
 '' to XXXX XXXX and told him many times that we wanted more of the same kinds of checks as those I 'd brought and shown to him. That is


Date_received: In the copies of the original checks & deposit slip that are attached to this complaint
Subproduct: while the other has only the other joint holder 's name ( XXXX ) on them
Complaint_ID: Yes
Product:
 anyone can see that each kind differs from the other kind only in that one has XXXX of our names on this joint account


Product: XXXX XXXX
Complaint_ID: Yes
Date_received:
02/26/2016,Debt collection,I do not know,Cont'd attempts collect debt not owed,Debt is not mine,I have been receiving calls for years from debt collectors looking for XXXX XXXX

Subproduct:
 or other given names with the surname of XXXX ( I am unsure if that is the correct spelling ). I had one call yesterday and two calls today. With the second phone call today I became billergerent and demanded that I be given the phone number that this person was calling from. That demand usually is met with a hangup


Product: LLC"
Subproduct: OH
Issue: 447XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 03/21/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Credence Resource Management


Date_received: 02/18/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: asked them to stop calling
Complaint_ID: Yes
Consumer_narrative:
I was contacted by Regional Processing Services regarding " an urgent matter. '' The person on the phone asked for my social security number and claimed no information would be provided to me until I gave my complete SS number. I refused

Company:
 and requested written notice of the "" matter '' they are calling about. The caller hung up without verifying my address. Since this incident


Date_received: 02/18/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Timely_response: I have this company acting shady
Complaint_ID: Yes
Consumer_narrative:
I have had trouble from my mortgage from the get-go. I was forced into a mortgage with a refinance of 2 years with a prepayment penalty lasting 3. It cost me my equity. I really needed the money to fix the damaged home I was sold ( a Realtor vouched for it and I bought it sight unseen ( never again! ) This was INDYMAC Bank. Finally after an attempted ( and found to be illegal ) foreclosure a few years later after a near-fatal car accident that cost me my only vehicle and with NO compensation added to their repeated " loss of paperwork '' jive for a loan modification the government stepped in and created XXXX INDYMAC 's new company. We got our modification and everything was ok. Then out of the blue we find out our property is actually XXXX XXXX XXXX ( we bought the property that said it was XXXX XXXX XXXX ). We have tried for years to change everything but the utilities and now OCWEN ( New Co mpany spelled backwards ) refuse to make the change. Then we get our mortgage sold to OCWEN a debt collector located in XXXX

Company_public_response:
 XXXX. We were fighting with our insurance XXXX who dropped us after 10 years of denied requests for fixing our home that was severely damaged in XXXX and the various other weather phenomena here in Alabama. While fighting with them

Company:
 OCWEN gave us forced insurance with a company they created ( XXXX ) and raised our mortgage well beyond my ability to pay. Now we are several months behind ; the last payment I sent in XXXX of 2015 of {$250.00} they wo n't put in my account because it was supposed to be {$280.00} which is sadly too much for me. Evey time it rains my house floods. My home repairs and high utlities ( heaters

State:
 dehumidifier etc ) takes most of my {$730.00} just to keep it going. I have XXXX children and support them and my XXXX ( XXXX ) wife who does have papers saying she could work if there were no people around. There are no jobs like that here in XXXX. I am on SSI for XXXX XXXX so even that small amount would have cost me the money for the repairs I must attempt on my own and am still paying off. I applied for a loan modification in 2015 that is still being dragged out with : '' need additional information '' :

ZIP_code:
 but they never tell me what I need. At this rate my home will not be able to be saved as they reuse to cooperate and continue to use INDYMAC '' S number to harass me all hours of the day and night costing me time on my government phone. In the beginning they called me from another number

Submitted_via:
 but since this process started ( loan mod ) they are using INDYMAC 'S number to call all day long and often after XXXX 7 days a week. Even if they are a debt collector they still have laws to follow and I am not seeing any of this being done. They send me tons of paperwork stating the same thing

Date_sent_to_company:
 but nothing as to what I lack to use their insurance to help with the repairs ( the insurance is still in the payments and OCWEN did say I could make a claim ). I am so lost. My wife 's wedding present home of almost 12 years is on the line

Company_response:
 it 's now a wreck and my utilities are high because of it. I have given them everything I have. I am worried about them being a foreign company with all of my information. This is an unsettled world we live in and having my info out there ( I got a call from a representative I traced to XXXX and the rep had my social security number and everything on his phone and you could hear he was on an open street with lots of foreign-speaking passerby 's that could possible have seen my info on his phone. After that scary call my wife disconnected our home phone and she lives in fear of any problem that may arise from my very private and personal info being so public. I have no idea what to do. My house is wrecked


Product: only my fairly new XXXX transactions
Complaint_ID: Yes
Date_received:
These calls began the day after I called for a free credit report from all XXXX agencies. I received my XXXX reports & have nothing negative


Date_received: 03/03/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Inadequate help over the phone
Complaint_ID: Yes
Consumer_narrative:
XXXX I attempted to purchase {$170.00} worth of materials from XXXX in XXXX, TN using my business check issued by the XXXX XXXX XXXX XXXX XXXX. The check was declined by Certegy Check Services. I called Certegy Check Services from XXXX and was asked if I wanted to be placed on their VIP List. The Certegy rep said this may or may not allow the check to be accepted. I said yes. He said wait 10 minutes and try to run the check through again. I did twice ; the check was declined XXXX times. I requested a copy of the declination from Certegy Check Services. It indicates that Certegy already approved XXXX previous checks from my business checking account totaling {$600.00}. Yet Certegy declined my check for {$170.00}. They only stated that my check " matched a high-risk pattern


Product: Inc. (FNIS)"
Subproduct: TN
Issue: 370XX
Subissue: Older American
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 03/03/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Fidelity National Information Services


Date_received: 03/03/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: it would be XXXX30 days for them to "" research '' the matter and during that time
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/2016, I wrote a check number XXXX to XXXX XXXX in the amount of XXXX. The check was returned for NSF. The check was presented a second time to my bank and clear on XXXX/XXXX/2016. I was never contacted by XXXX XXXX, Telecheck, or TRS Recovery Service. I considered this incident closed. I subsequently attempted to write a check at another merchant and that check was declined. When I contacted the XXXX number provided on the declined check, I was routed to TRS informing me that I owed a debt of XXXX + XXXX for returned check fee. I was also informed that no further checks would be approved until this debt was satisfied. I informed them that the check had been resubmitted and the full amount had been debited from my account on XXXX/XXXX/2016 so therefore there was no outstanding debt. They indicated that it would take at least 10 business days for the status to update and during that time, no checks would be approved by Telecheck. I spoke to a supervisor at Telecheck and was informed that I should fax proof that the check had been paid to their " resolutions '' department. I did that on XXXX/XXXX/2016. On XXXX/XXXX/2016

Company_public_response:
 I spoke with XXXX different representatives from Telecheck who still maintained that my account was showing that there was an unpaid debt despite receiving information showing that the check hand been paid. They indicated that even though the information had been submitted to the resolution department

State:
 my checks would be declined at any merchant that uses Telecheck ( which is essentially ALL merchants since most merchants in my area use Telecheck ). I was told that if I paid the debt directly to TRS that day

ZIP_code:
 that my account would be updated within 24 hours and my checks would start being approved on XXXX/XXXX/2016. Because I rely on my ability to write checks

Submitted_via:
 I was coerced into paying the XXXX + XXXX for a total of XXXX to TRS in order to clear my account and provide me with the ability to have my checks approved again within 24 hours rather than having to wait the XXXX30 days it would take for Telecheck to "" research '' and update my file appropriately. Because of Telecheck 's refusal to update my record in a timely manner


Product: Beal & Nixon
Subproduct: P.C."
Issue: OK
Subissue: 73117
Consumer_narrative: Older American, Servicemember
Company_public_response: N/A
Company: Postal mail
State: 02/25/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
02/23/2016,Debt collection,Credit card,Taking/threatening an illegal action,Attempted to/Collected exempt funds,,,Love


Product: or 6 days ). The reply I got from the XXXX HSBC XXXX team was
Subproduct: quote : "" We have no access to the XXXX systems
Complaint_ID: Yes
Date_received:
Finally, after much begging, my problem was " escalated '' to a "" technical team '' and I was told I would get an answer in 48 hours ( which turned out to be 48 WORKING hours

Issue:
 and therefore we are unable to ascertain whether there was a transfer ''. The call center employee who read me that incredible reply over the phone suggested sending an e-mail to the XXXX XXXX XXXX in XXXX XXXX


Product: I continued to pursue my case and finally
Subissue: the customer service people are not allowed to provide any information on themselves. Thus
Consumer_narrative: if "" XXXX ''
Company_public_response: ( probably not his real name ) makes a promise like this XXXX
Company: and the next time you call "" XXXX '' is not there
State: no one is held accountable for his promise. In fact
Complaint_ID: Yes
Date_received:
By then I was REALLY short of money in XXXX so I had to return to the XXXX to access funds. Once XXXX

Subproduct:
 XXXX of the countless XXXX call center employees who I had discussed it with called me back and promised I would get my {$1900.00} back in my XXXX account. Incidentally

Issue:
 every time you call the HSBC XXXX center you have to answer a long list of security questions to make sure you are the account holder. However


Complaint_ID: Yes
Date_received:
Why does HSBC offer a "" XXXX '' service to its best clients and then does nothing to satisfy their needs


Product: Inc."
Subproduct: CA
Issue: 92376
Consumer_narrative: N/A
Company_public_response: Postal mail
Company: 03/11/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
02/23/2016,Debt collection,Credit card,Communication tactics,Frequent or repeated calls,,,Portfolio Recovery Associates


Date_received: 02/18/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: XXXX
Company: a charge of {$670.00} was applied to my card and the money was taken out of my bank account
Submitted_via: countless times
Date_sent_to_company: to fix the charge
Timely_response: but failed to mention
Consumer_disputed: when the claim was denied
Complaint_ID: the actions they were going to take. After 90 days ( XXXX XXXX )
Consumer_narrative:
My complaint is with Bank of America and their horrible service/help, or lack their of, for a valued customer of 8 years. The incident started last year, XXXX. Up until XXXX XXXX I was married to my ex-husband. We separated in XXXX XXXX. During our marriage there was a XXXX account under my ex-husbands name. My name was never on that account and he was never on any bank account of mine nor was he able to have access to my card whatsoever. During our marriage ( before XXXX XXXX ), I was given cash by my husband about 2 times to pay a XXXX bill with my card. My card was never set for automatic withdrawal, my card was never connected to the XXXX account nor was my name ever connected to it or on any account. In fact, there was no account or company that my ex-husband and I both were on with our names together. Around XXXX XXXX, I contacted XXXX because I saw they had automatically withdrawn money from my bank using my card and I specifically told them they were not allowed to do so and I never gave them the authorization to use my card without my consent. So at this point, they agreed to not use my card without my consent and also to take it off file. This is on record and can be heard through XXXX 's " supposed '' recording process ( "" for quality purposes '' ) they have when you call their customer service department where the associate agreed to take my card off file. On XXXX XXXX

State:
 per XXXX XXXX. As a battered ex-wife coming out of an abusive relationship and being the person to leave

ZIP_code:
 I had every notion that my ex-husband had used my card ( which he had that information because he secretly saved it ). I had every notion that my ex-husband used my card to pay his XXXX XXXX bill. A charge for {$670.00} from XXXX XXXX is unheard of but it happened to me. I contacted XXXX XXXX numerous times

Company_response:
 they agreed they withdrew money using my card without my consent but refused to fix it. Now I contacted Bank of America with this concern and I filed a claim for fraud against my ex-husband and Direct TV. Bank of America gave me a temporary credit of {$670.00} for that charge


Date_received: 02/23/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Complaint_ID: Yes
Consumer_narrative:
I was charged by XXXX XXXX XXXX ( XXXX ) for " Services Performed '' during XXXX separate emergency room visits to XXXX XXXX XXXX Hospital ( XXXX {$990.00} ; XXXX {$240.00} ). I asked several times in writing that they provide a description and some substantiation of these "" services performed '' for each billing ... XXXX simply kept sending duplicate copies of their bills. Eventually they turned both billings over to a collection agency -- AR Resources. I 've asked this agency several times to provide a description and substantiation of the "" services performed '' as well. They have sent nothing more than a statement of account ( twice )

Company_public_response:
 listing invoices sent by XXXX for the first ER billing only. I still have absolutely no idea what "" services '' these people performed during either XXXX of my ER visits that would substantiate these charges ( that are over and above what the hospital ER charged ). AR Resources continues to ignore my requests for substantiation of these debts and has reported both of these billings as "" collections accounts '' against me to credit reporting agencies. I 've disputed these claims with XXXX and XXXX ; XXXX has removed them from their report ; however


Date_received: 03/03/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company: despite the fact that this woman has been arrested
Complaint_ID: Yes
Consumer_narrative:
My XXXX XXXX XXXX father who suffers from XXXX was tricked out of his life 's savings by a young woman con artist. She " borrowed '' all his retirement savings and she used XXXX of his credit cards to go on shopping sprees. She used his Citibank card to purchase more than {$8000.00} in merchandise at stores he never shops in such as XXXX and XXXX 's XXXX

Company_public_response:
 much of it while my father was hospitalized. Note that their fraud alert system failed to recognize this unusual use of his card. Citibank 's fraud department refuses to recognize this as fraud

State:
 has been charged with grand larceny and identity theft and is being criminally prosecuted for the use of the card. So


Date_received: 02/27/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Shopping for a loan or lease
State: I spoke with XXXX
Submitted_via: and that is how they operate. When I asked with whom I could dispute that
Company_response: I was told both businesses are headquartered in XXXX
Timely_response: XXXX
Consumer_disputed: and that both do business nationwide. I tried calling that number for Santander
Consumer_narrative:
I made an auto loan inquiry on XXXX. I was seeking offers, and assumed that any companies I was matched with would only do a soft-pull for pre-approval purposes. That is what I understood from my previous dealing with XXXX. I received a response from a company which identified itself as Roadloans, and when I logged on, it said it had approved me for {$53000.00} at an interest rate of 7.42 %. I had only inquired about an {$18000.00} loan. It identified my Application ID as XXXX. I then received call from Auto 's Only, a dealership located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I was told that Roadloans had shared my information with them, and had approved me for a loan to buy a car there ( although they also said that they would try to beat those loan terms ). I did not want Roadloans to " approve '' me for a loan

Company_public_response:
 and I certainly did not want them to share any of my personal information with any third party or parties. Concerned that Roadloans had done a "" hard pull

Company:
 '' I called Roadloans at ( XXXX ) XXXX ( because the website said "" [ online ] chat unavailable. '' On XXXX/XXXX/16 ( Pacific Time ) at XXXX XXXX.

ZIP_code:
 who confirmed that Roadloans had done a "" hard pull. '' I told her that I had not wanted that to occur. She informed me that lendingtree allows them to do that

Date_sent_to_company:
 she gave me the following information : XXXX ( Santander Credit Disputes ). She stated that Santander was the parent company. When I asked

Complaint_ID:
 but a recording said the business was closed. I went to the XXXX website ( which I learned was the CRA with whom they did the hard pull when I made a second call to Roadloans and spoke to XXXX ). I see the hard pull from today


Date_received: XXXX XXXX XXXX
Product:
 Texas XXXX XXXX : XXXX XXXX XXXX XXXX Paid Debtor : XXXX Account No : XXXX In Response to your communication of XXXX 2016 The FDCPA states that ANY person/lawyer or firm that is hired to collect on a debt


Date_received: You have called me and my extended family members using intimidation
Product:
 talking with my friends and family about a debt. Without my permission this is illegal. Talking to them about non-existing debt is slanderous. Making harassing telephone calls and threats to sue on a debt that was paid

Subproduct:
 or no longer owed due to settlement is illegal. ( such is the finding when a debt collector and debtor settled a debt


Subproduct: on your end
Issue: to mark the original note as paid
Subissue: and return it to me
Consumer_narrative: as you stated in your letter
Date_received:
This agreement states that if I make payments totaling {$6700.00} in a timely manner ( within the time frame you gave me ) the original note will be marked as paid and returned to me

Product:
 and any remaining balance would be forgiven. I did as you asked. It now appears that you have failed


Date_received: 03/03/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: that call came at a very good time. We went through the designed plan
Date_sent_to_company: if she can find the entries of our conversations
Complaint_ID: Yes
Consumer_narrative:
I am a Veteran with a XXXX loan through Wells Fargo Mortgage. In 2013 our home with hit by a XXXX Tornado. We lost most of the home. We were contacted by a Wells Fargo " Morgage Specialist '' to assist with our mortgage payments at that time during this crisis. They took a payment and spread it out over six months to help the out of pocket expenses of the disaster. We were told it would not be held against us. We were so relieved. So much was going on at that time. My wife was also diagnosed XXXX and was very ill. As you can imagine

Company:
 paid everything according their the agreement which was an extra {$200.00} per month and paid on time each month. Several months later my wife had to have the XXXX. What was supposed to be an easy procedure turned into XXXX and a month in the hospital. She was unable to return to work for over six months. Our family requires XXXX incomes. I worked every possible hour of overtime and extra job I could while taking care of her. We staying on top for awhile

State:
 but I just could n't do it all. My wife finally called Wells Fargo asking for assistance before we got behind. We remembered the assistance we received during the tornado disaster and thought maybe we could get medical hardship. The previous did not affect our credit ( or so we thought ) so we called. We were again connected to a "" Mortgage Specialist '' who assured us they were there for us and had a plan that would take care of us! They could take one month again and spread it out over six months. Such a relief!!!! We were going to make it through this nightmare. Fast forward to today. My wife is healthy and has been for a year and a few months! She has been given a clean XXXX from her doctors and is back to work full time

ZIP_code:
 XXXX XXXX! We applied for a Mortgage because we are ready to move to a new home and guess what? Those 12 months are being reported over 30 days late on our credit! We had NO idea! Never once were we advised that this would be reported over 30 days late! We were told that as long as we completed the agreement we would be fine. As a matter of fact

Submitted_via:
 we were told that there were no late payments on the plan. My wife spoke with the representatives every time and they never told us our credit would be affected negatively. We have called Wells Fargo and have been working with XXXX in the Office of the President. She has been researching our account for almost thirty days. She states there is nothing in our file about credit discussions. I told her that is exactly what I am talking about! She wants to find the recorded call but states she can not find that date. I have ask her why not


Complaint_ID: Yes
Date_received:
02/27/2016,Credit reporting,,Incorrect information on credit report,Account terms,After carefully reviewing my credit file XXXX has placed a debt onto my report in the amount of {$1000.00}. XXXX has the last reported payment on XXXX XXXX


Date_received: 02/28/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company_public_response: the letter suggests future action
Company: but is not checked for immediate action as of XXXX XXXX. On XXXX XXXX
ZIP_code: the car
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX 2016 my wife submitted a payment of approximately of XXXX to Wells Fargo. On the date, there was a correspondence mailed to our house which was " Notice of Default and Requirement of Strict Compliance '' On the document the box IS NOT CHECKED which denotes that "" Wells Fargo Dealer Services is informed and believes that you are also in default. '' In other words

State:
 Wells Fargo initiated the repossession of our vehicle despite this correspondence not having the check noted for possible repossession. So

Submitted_via:
 according Wells Fargo 's own paper work should not have been taken. XXXX XXXX XXXX charged XXXX for taking my car and this also cost me 1 day of work


Date_received: Further than all this
Complaint_ID: Yes
Product:
 I wonder : is it reasonable to tow a car out of someone 's driveway about three weeks after an attempt to make a payment

Subproduct:
 which is off by XXXX dollars? And sending a document without setting expectations for repossession? And no record of talking to me in person? I think that Wells Fargo not only broke its contract but harassed me and caused me two days of grief


Product: which was closed on XXXX 2015. Loan # XXXX. During the course of re-finance process
Complaint_ID: Yes
Date_received:
02/28/2016,Mortgage,Conventional fixed mortgage,Settlement process and costs,,This is in regard to the latest ( refinance ) of home loan with CHASE Bank


Complaint_ID: Yes
Date_received:
Why was this penalty made aware to Me? I mean this penalty is not a choice form me? Chase Bank did not give me the choice and went ahead paying closing amount mentioned by XXXXBank


Date_received: I was not aware ( and not educated ) of this penalty
Product: which could be averted by just not closing
Subproduct: instead paying the amount in full. Per our tele conversation to Chase Loan Manager ( XXXX XXXX )
Issue: to my dismay
Consumer_narrative: lacking transparency. It was unilateral actions from the bank that caused the penalty
Complaint_ID: Yes
Subissue:
 I was not convinced the replies I have got from the bank. It is almost prejudged that the penalty has to be paid from the customer ( who had no action but to pay the penalty. ). As customer of seeking re-finance from Chase was not a happy XXXX


Product: Inc"
Subproduct: WA
Issue: 993XX
Subissue: Servicemember
Consumer_narrative: Other
Company_public_response: Web
Company: 03/02/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
02/28/2016,Consumer Loan,Installment loan,Problems when you are unable to pay,,,,Ballybunion Enterprises


Date_received: 02/28/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: but the balance on the XXXX statement was - {$4000.00}!?!?!?! We are not sure how
State: after making payments to fix the negative escrow balance
Complaint_ID: Yes
Consumer_narrative:
We filed a complaint last year with you about our mortgage company Nationstar Mortgage LLC, reference ( Case number : XXXX ). It appeared that the problem was finally fixed in the " resolution letter '' that we received on XXXX. However our statement that came on XXXX

Company_public_response:
 after we had made XXXX payments toward escrow had gone up. The correct escrow balance should have shown - {$2400.00}

ZIP_code:
 that the amount jumped up so high. We have been on the phone and emailing constantly with Nationstar to try and get this issue fixed with no luck. We never talk to the same person twice and were told by XXXX different people that our account would go back into research to be fixed

Submitted_via:
 to find out they never submitted anything. The 3rd time we tried to get it back into research the request was finally submitted


Product: Inc."
Subproduct: CA
Issue: 94080
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 02/23/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
02/23/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 03/03/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Complaint_ID: Yes
Consumer_narrative:
I called Santander Bank to close my account. The representative refused to close my account even though there is currently a XXXX balance. The withdrawal to empty the account was considered " pending ''. The told me she could not put a note on the account to close it when the transaction cleared


Date_received: 02/28/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company_public_response: 2016. Then
Company: I received another notice
State: stating that I missed my XXXX
Complaint_ID: Yes
Consumer_narrative:
I received a notice in the mail that I missed the XXXX 2016 payment on my mortgage from Chase Bank. When I went to the Chase online Bill Pay center to pay my mortgage, the system populated with the following choices : monthly amount due, late fee, additional principal, additional escrow/shortage. Nowhere was there a choice to pay the missed payment, nor an indication that I actually owed two monthly payments. So, I paid the " monthly amount due '' and the stated late fee in XXXX


Product: along with XXXX {$120.00} late fees. That is wrong
Complaint_ID: Yes
Date_received:
I believe the Chase Online Bill Pay system is deceptive and resulted in me incurring additional late fees that I should n't have incurred. I now have put through several monthly payments


Complaint_ID: Yes
Date_received:
02/28/2016,Credit reporting,,Incorrect information on credit report,Personal information,I am trying to apply for a car loan and have a security freeze on my Experian account

Product:
 I paid the XXXX dollars to get this lifted on XXXX/XXXX/2016 and then they XXXX XXXX can back and said they could run file because I had a federal fraud alert on my phone number. My phone number was not listed in my file


Product: Inc."
Subproduct: WI
Issue: 54135
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 02/18/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
02/18/2016,Debt collection,Medical,Communication tactics,Used obscene/profane/abusive language,,,Credit Systems of the Fox Valley


Date_received: 02/28/2016
Product: Credit card
Issue: Closing/Cancelling account
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/16, I had attempted to use my credit card at the gas station and also for a taxi, however, all attempts were rejected. I called into Chase asking why my transactions were being declined and they had informed me that all my accounts had been closed ( Checking, savings, credit card, business accounts ) On XXXX/XXXX/16, I had called Chase to inquire why my accounts had been closed and was informed that it was due to " unusual activity ''. I tried to inquire further on what the activity was


Date_received: On XXXX/XXXX/16
Complaint_ID: Yes
Product:
 I had gone into a Chase bank branch and followed instructions to withdraw my cash from my checking/savings account

Subproduct:
 and inquired of the manager at the branch why my accounts were closed. He looked into my accounts and informed me that he could not identify any "" unusual '' activity and did not understand why my accounts were being closed. I inquired if I could appeal the process


Complaint_ID: Yes
Date_received:
Without understanding what the action was which lead to all my accounts being closed and without any chance to appeal


Date_received: 02/18/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: the person still decided to kept asking me to verify my name
State: address
ZIP_code: and last XXXX digits of my social
Complaint_ID: Yes
Consumer_narrative:
I have been getting numerous calls from XXXX over the past month 4-5 times daily. I would normally ignore the call because i am unfamiliar with the phone number. The times i would answer the call no one would respond, what would happen is that the line becomes silent and then the phone would hang up. I was a bit curious of the person that could be calling and wondered if it was someone who probably changed their number or probably just an important call and so i decided to dial the number on XXXX/XXXX/XXXX after which a female voice answered and said " Is this XXXX XXXX '' so i responded and asked "" Who do i have the pleasure of speaking to '' the female voice kept asking if my name is ... ... ... ..

Company_public_response:
 to which i responded that it is only mannerly to introduce yourself and say what you are calling about


Date_received: 02/29/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Complaint_ID: Yes
Consumer_narrative:
Today I transfered ( on line ) {$40.00} from my savings account into my checking. I received an e-mail from Chase stating : " On XXXX/XXXX/2016 XXXX

Company_public_response:
 you withdrew from this account. This was your fifth withdrawal during this monthly statement period. As a reminder


Product: Chase XXXX
Subproduct: Chase XXXX XXXX
Complaint_ID: Yes
Date_received:
We 'll waive this fee if you have a balance of {$15000.00} or more at the time of your withdrawal or transfer out of your account in a Chase XXXX


Complaint_ID: Yes
Date_received:
Keep in mind that federal regulations also limit the withdrawals or transfers out of your Chase savings account. Please see the Deposit Account Agreement on chase.com for complete details. '' A {$5.00} reminder fee? Seriously? Talk about hidden fees! This is my money I 'm dealing with. It is XXXX XXXX


Date_received: 02/29/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: XXXX XXXX XXXX
Company: XXXX
State: VA XXXX. Please tell them to stop harassing people
Complaint_ID: Yes
Consumer_narrative:
I have paid my son 's all bills at XXXX XXXX XXXX, medicine or doctor 's bill. I contact the customer service at XXXX ( XXXXXXXXXXXX ) to double check and they confirmed that I owe them NOTHING. There is this collection company " Nationwide Credit Corporation '' keep harassing me to collect some medical bills from me. Absolutely outrageous and fraud! The account number they have for me is XXXX and the reference is XXXX. Their address is NCC


Subproduct: and in that process their fee was {$2500.00}. I was so angry and upset. On XXXX XXXX
Issue: XXXX
Complaint_ID: Yes
Date_received:
02/29/2016,Debt collection,Credit card,Taking/threatening an illegal action,Sued w/o proper notification of suit,I have been in a debt since XX/XX/XXXX paying mostly interest charges so I joined national freedom relief XX/XX/XXXX. XX/XX/XXXX

Product:
 I was served papers at my work for XXXX of the cards.. I found out that they only worked on XXXX out of the XXXX cards I put in


Subissue: placed in your file
Company: I 've canceled my Chase account and cut up the card. Oh
State: and they 're charging interest on the disputed amount
Complaint_ID: Yes
Date_received:
02/23/2016,Credit card,,Billing disputes,,Have an ongoing dispute with Chase XXXX since XXXX XXXX. It was regarding a breach of contract by a moving company

Product:
 XXXX Men and a Truck. That part of the dispute has been settled. The other part of the claim was regarding damage to a XXXX hutch. Chase asked me for a copy of an "" estimate '' to have it repaired. I faxed that estimate to them ( {$1200.00} ). The dispute was mishandled by being handled by numerous merchant dispute representatives ( at least XXXX different people called me from Chase and I have at least XXXX post cards stating my claim was being worked on and no interest charges would be applied to my account until it was settled ). On XXXX/XXXX/XXXX

Subproduct:
 Chase returned the {$1200.00} "" estimate of cost '' back to the MERCHANT. I then provided Chase with a copy of my check dated XXXX/XXXX/XXXX where I had paid the furniture refinisher to repair the furniture. It was never a charge to Chase. Last correspondence from Chase was from a XXXX XXXX

Issue:
 Customer Service Specialist stating : "" The disputed amount will remain on your account. Please follow the instructions for payment on your statement. Future correspondence from you regarding this matter will be reviewed

Consumer_narrative:
 but no response will be sent. '' They absolutely can not get it that I paid with my check for the refinishing of the damaged hutch in the amount of {$1200.00} and that amount should have been credited to my account

Company_public_response:
 not the merchant 's. I 'm at a loss as to who to turn to until I found your website. I hope you can help. By the way


Product: ALL INFORMATION OUTDATED SINCE 2005 AND ALL AGENCIES VIOLATES FCRA PROVISION XXXX
Complaint_ID: Yes
Date_received:
02/23/2016,Credit reporting,,Incorrect information on credit report,Public record,ALL CREDIT AGENCIES CONTINUE TO REPORT BANKRUPTCY XXXX TIMES ON FILE AND NOT MY ACCOUNTS


Date_received: 02/18/2016
Product: Credit card
Issue: Billing disputes
Complaint_ID: Yes
Consumer_narrative:
I purchased a refrigerator from Sears. The Sears sales representative made me aware of a two year no interest payment option by applying for and using a Sears credit card. I opened the credit card and made the purchase which included the refrigerator as well as a {$490.00} protection plan, which they assured me could be returned for a full refund. I decided to return the protection plan, which was fairly straightforward. The return was reflected on my account and I was pleased. Some time after this I noticed a charge of {$490.00} and then a refund of {$490.00} on the same day. Since the net effect was zero, I did not think too much of it. On my next statement I see that I am being charged interest on a non promotional balance of {$490.00}. From what I can tell they charged {$490.00} to a " non promotional balance '' and then refunded it from the promotional balance


Issue: because I was in a licensed office with a licensed agent
Complaint_ID: Yes
Date_received:
02/29/2016,Credit reporting,,Improper use of my credit report,Report improperly shared by CRC,CREDCO supplied a tri-merged joint credit report with a company that I thought was a legal company on the day that it happened. The credit report was for myself and my husband. When I became suspicious because of other things that did n't seem right

Product:
 I learned that the mortgage company has had an expired license since 2009. Then I asked the licensed real estate agent who did the paperwork in the licensed real estate broker office. I asked the agent why the mortgage company is unlicensed. He said it is because the company was his and that he closed it in 2009 but that he kept the account with CREDCO so that he could run reports on people. CREDCO has not responded to my email about it. It seems to me that CREDCO should know whether or not its customers are even in business

Subproduct:
 especially after 7 years of being closed. CREDCO has a duty to protect sensitive financial information from thieves. There was no way for me to know ahead of time that I was dealing with an unlicensed mortgage company. Beyond that


Date_received: 02/18/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
My mortgage loan was just transferred. The new servicer ( PHH Mortgage ) offers NO OPTION for payment either online or via phone WITHOUT " processing fees. '' In the modern world


Date_received: 02/23/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Threatened to take legal action
Company_public_response: husband
State: threaten with jail time and that they will see me in court
ZIP_code: and then hang up. They will not give you any verification of alleged debt
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/XXXX, a robocall was left on my voicemail - stating that there was a message for xx and given claim # XXXX. I returned the call. I was told I was in Breach of Contract for a payday loan taken out on XXXX/XXXX/XXXX from XXXX XXXX, and I owed {$500.00}. When I asked for a mailing address for the debtor, I was told they could not provide that for their own security. They said they could email me information only. They provided a fax XXXX Attn : Arbitration. They stated that if I did not pay on the debt via credit card, would go to jail and I better get a " good lawyer. '' They had my last XXXX of my social. They are leaving these messages on my cell phone and sister

Company:
 mother and brothers phone. They do not have a legitimate company -- internet research is showing this is a scammer number. I do not have any outstanding payday loans - nor have I taken any payday loans in XX/XX/XXXX. These company is operating as a bogus debt collector and will only accept payment via electronic means. They will not provide a mailing address. I have called multiple times and they yell


Date_received: 02/23/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: husband
State: threaten with jail time and that they will see me in court
ZIP_code: and then hang up. They will not give you any verification of alleged debt
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/XXXX, a robocall was left on my voicemail - stating that there was a message for XXXX and given claim # XXXX. I returned the call. I was told I was in Breach of Contract for a payday loan taken out on XXXX/XXXX/XXXX from XXXX XXXX, and I owed {$500.00}. When I asked for a mailing address for the debtor, I was told they could not provide that for their own security. They said they could email me information only. They provided a fax XXXX Attn : Arbitration. They stated that if I did not pay on the debt via credit card, would go to jail and I better get a " good lawyer. '' They had my last XXXX of my social. They are leaving these messages on my cell phone and sister

Company:
 mother and brothers phone. They do not have a legitimate company -- internet research is showing this is a scammer number. I do not have any outstanding payday loans - nor have I taken any payday loans in XXXX. These company is operating as a bogus debt collector and will only accept payment via electronic means. They will not provide a mailing address. I have called multiple times and they yell


Date_received: 02/29/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Complaint_ID: Yes
Consumer_narrative:
PNC hit my PNC checking account for XXXX overdraft fees ( {$36.00} each ) and inaccurately disclosed my account activity and balance to me. I use their on-line services to check my balances. I electronically transfer funds between several checking accounts to make sure that I have enough money in my account to cover my checks. If I am at a grocery store or a restaurant and plan to pay with my debit card, I electronically transfer money from one checking account to another and the money is there for immediate use. On the evening of XXXX XXXX I had a positive balance. However I transferred {$65.00} into one of my checking accounts ( ending in XXXX ) because I knew that I had XXXX checks that were going to come in soon. Additionally I knew that I on XXXX XXXX I would be getting a direct deposit to my checking account ( ending in XXXX ) Additionally I when I make a deposit in a branch at the tellers line I CONSTANTLY ask the tellers to confirm that " If a debit hits my account the same day as a cash deposit


Date_received: 03/03/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company_public_response: in order to commit and perfect this crime of grand theft wo steal my home
Company: both my sister and I take turns in taking care of our XXXX mother
State: our entire life has been shattered by these theives
ZIP_code: i have ample proof of securities fraud
Submitted_via: commited and perfected by the title company
Timely_response: in opposition to the California Home owner Bill of Rights ( XXXX )
Complaint_ID: i rescinded the the alleged transaction which created a bar
Consumer_narrative:
Greetings, XXXX XXXX XXXX XXXX XXXX company on behalf of Select Portfolio Servicing ( SPS ) has filed a fraudulent notice of trustee sale which is due to occur on XXXX XXXX, XXXX at XXXX when all payments on a non existing loan to me has been received and i have proof positive of that, see declaration of ex police officer and currently private investigator, XXXX XXXX XXXX XXXX. Also see expert witness affidavit who is an attorney that have signed verified affidavit under oath that XXXX XXXX as the alleged " Document control officer '' has been falsifying instruments on behalf of well over a dozen various companies as numerous titles when XXXX XXXX has been working for SPS at all times

Date_sent_to_company:
 the servicer ( SPS ) and XXXX XXXX XXXX XXXX XXXX XXXX and bank XXXX and numerous attorneys and judges. i need your help in stopping these criminals stealing my home and devastating my family and my peace and harmoney. While waiting for the attorney and SPS to supply basic information so that i could enter into an alleged loan modification program with SPS and the alleged investor

Company_response:
 the attorney advised me that i need wait for the information to arrive while at the same time SPS and XXXX XXXX XXXX perfected their dual tracking and filed for a notice of sale on my property

Consumer_disputed:
 see attached my communications with the attorneys and the counsel for XXXX XXXX XXXX company.Moreover


Date_received: '' To exercise the right to rescind
Product: the consumer shall notify the creditor of the rescission by mail
Subproduct: telegram or other means of written communication. Notice is considered given when mailed
Issue: when filed for telegraphic transmission or
Subissue: if by other means
Company_public_response: all payments have been received by all the parties and there is absolutely no default
Company: see attached Exhibit
State: Declaration XXXX and currently private investigator
Submitted_via: XXXX XXXX XXXX
Date_sent_to_company: see attached Exhibit page XXXX
Company_response: for a "" Loan Modification '' or full settlement
Timely_response: on or about XXXX XXXX
Consumer_narrative:
 when delivered to the creditor 's designated place of business. '' XXXX C.F.R. XXXX XXXX a ) ( 2 ). This core language has remained in place since XXXX and inures to my benefit. Furthermore

ZIP_code:
 XXXX XXXX XXXX XXXX. While communicating with Defendants and awaiting for SPS ' response at the request of SPS ' attorney

Consumer_disputed:
 i notices noticed that a Notice of Sale has been recorded on my property with a sales date XXXX XXXX

Complaint_ID:
 XXXX at XXXX am. SPS and its co parties have perfected their dual tracking which is against the law further damaging me [ Dual Tracking


Product: Inc"
Subproduct: CA
Issue: 950XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 03/03/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Date_received:
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Select Portfolio Servicing

Complaint_ID:
 XXXX at XXXX am. SPS and its co parties have perfected their dual tracking which is against the law further damaging me [ Dual Tracking


Complaint_ID: Yes
Date_received:
I had another conversation with BOA today and was on the phone from XXXX until XXXX. Still not resolved. When I called XXXX, XXXX from the XXXX PA office answered the phone. I had in my notes I had spoken with her before and told her I had spoken to her before and she denied I had ever spoken to her. She then went on to tell me my policy had lapsed, etc. etc. I could tell she was not competent enough to determine a solution so I asked to be transferred to her manager after about 15 minutes on the phone with her. She was reluctant to do so, but after a 3 minute hold she met my request to transfer me to her supervisor, XXXX XXXX. After discussing with XXXX XXXX, he stated his system was shut down and he was unable to help me further. He transferred me to another " manager ''

Product:
 XXXX XXXX. XXXX XXXX told me she would escalate my complaint to the Lender Service Unit. Based on my prior experience


Date_received: You can see in BOA letter dated XXXX
Complaint_ID: Yes
Product:
 BOA changed the property address to my XXXX home address and not my XXXX home address. The XXXX home is the collateral for a less than {$95000.00} modified equity line. In addition


Complaint_ID: Yes
Date_received:
03/03/2016,Bank account or service,Checking account,Problems caused by my funds being low,,Chase bank re ordered the processing of debit card and checking account transactions not by original date


Date_received: Rather than processing smaller transactions first
Product: and in the order they occurred
Complaint_ID: Yes
Subproduct:
 they processed a larger transaction first and smaller ones several days after their original transaction date to charge more than XXXX NSF fees to my checking account. As I am aware


Product: Inc."
Subproduct: NY
Issue: 11201
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 02/29/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
02/29/2016,Credit reporting,,Unable to get credit report/credit score,Problem getting my free annual report,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 02/29/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Used obscene/profane/abusive language
Company_public_response: I called them on Wednesday
Company: XXXX XXXX
ZIP_code: I said
Submitted_via: "" Ok
Date_sent_to_company: I will take the {$100.00} and pay it towards another bill
Company_response: '' and the rep said
Complaint_ID: Yes
Consumer_narrative:
They called me on my job and when asked not to call, the rep said that they 'd call again if they needed to verify my employment. They also talked rough and kept asking me to commit to a payment. When I said that I did n't know how much I could pay, they tried to bully me into to making a payment by saying, " Do n't you know how much money you 'll have. '' They also told me that they 'd put this on my credit report and I 'd have trouble renting a home/apartment in the future. Lastly

State:
 XXXX to ask them if I could settle the account with a {$100.00} payment since my balance is {$200.00} and I had n't made a payment since XXXX XXXX. They refused the payment. So


Date_received: 03/04/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Company_public_response: I have been fighting Navient
Company: over my defaulted loans ; which
State: they state
ZIP_code: that they are out of default. Currently
Submitted_via: this is n't the case. I have n't been able to
Date_sent_to_company: reinstate my student status
Company_response: due to this issue. I have called
Timely_response: everyone ( This includes the federal loans servicers )
Consumer_disputed: over this issue. So
Complaint_ID: it has finally come to this. Lodging a Serious complaint
Consumer_narrative:
I was recently, within the past couple years ... .Started on the " Loan rehabilitation '' program. Since XXXX 2015


Date_received: 02/29/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company_public_response: '' located at XXXX. XXXX XXXX
Company: XXXX
State: XXXX XXXX
Submitted_via: XXXX to XXXX and XXXX to Synchrony Bank
Company_response: XXXX XXXX XXXX
Timely_response: advised me at the time of purchase that my monthly bill for XXXX XXXX would be {$320.00}
Complaint_ID: XXXX informed me at that time that a monthly payment of "" {$30.00}
Consumer_narrative:
XX/XX/XXXX, I opened an account at XXXX at the XXXX in XXXX XXXX, XXXX, and purchased a {$7000.00} diamond ring and earring set. While it is true that I was informed at that time that in order to qualify for the ring, I would have to apply for and receive a jewelry loan from GE Capital Bank, doing business as " Synchrony Bank

ZIP_code:
 with online presence at XXXX and although I did receive said loan and was informed that I would have monthly payments to make in regard to this purchase

Date_sent_to_company:
 certain events have transpired which have forced me to recognize the necessity to protest and to report very questionable and illicit business practices on the part of Synchrony Bank : 1 ) One of the sales representatives at XXXX XXXX

Consumer_disputed:
 and after conferring with Synchrony Bank in a telephone call made from the store to which I was not directly privy


Date_received: Since that time
Product: I have without fail made monthly and timely in-person payments on both accounts
Subproduct: in-person at XXXX
Subissue: I was contacted by a representative from Synchrony Bank
Consumer_narrative: RE : Synchrony Account No. XXXX
Company_public_response: and advised that I was in arrears due to insufficient monthly payment
State: despite verbal confirmation I received from Brown subsequently
Complaint_ID: XXXX informed me at that time that a monthly payment of "" {$30.00}
Issue:
 according to the timetables for the respective accounts specified by XXXX at the time of purchase ; 2 ) In XXXX XXXX

Company:
 to the tune of $ XXXX.I advised the collections representative at Synchrony Bank that I was advised by XXXX XXXX sales representative XXXX XXXX that my minimum monthly payment was $ XXXX {$40.00} ; the collections representative from Synchrony


Date_received: Though greatly disturbed by Synchrony Bank 's bait-and-switch tactics
Issue: XXXX XXXX
Company_public_response: and even offered the collections agent from Synchrony Bank Routing No. XXXX
Company: Sequence XXXX. XXXX
State: Account XXXX
ZIP_code: Check XXXX
Submitted_via: cashed on XXXX XXXX
Date_sent_to_company: XXXX in Batch XXXX
Company_response: XXXX days prior to due date XXXX XXXX
Timely_response: XXXX to establish timely payment
Product:
 I overpaid {$200.00} in response to Synchrony 's demand for {$110.00} to allegedly bring my account "" current

Subproduct:
 '' and have paid Synchrony {$70.00} by the first of every month via hand delivery at XXXX every month since without fail ; 3 ) On Monday

Subissue:
 XXXX I received yet another hostile series of aggressive collection calls from a call center representative from Synchrony Bank

Consumer_narrative:
 alleging roughly {$110.00} in late charges accruing from a supposedly tardy payment for XX/XX/XXXX. I verified through my Credit Union payment of my XXXX XXXX bill with Synchrony

Consumer_disputed:
 but the collector was intractable in her inaccurate position. I paid {$120.00} to settle the matter

Complaint_ID:
 but advised Synchrony at that time that I would seek investigation by responsible and appropriate parties into their very shoddy


Date_received:
While I realize clearly that third-party lenders such as Synchrony Bank make their bread and butter on the hardly golden "" XXXX '' applied to outstanding balances

Complaint_ID:
 but advised Synchrony at that time that I would seek investigation by responsible and appropriate parties into their very shoddy


Date_received: 02/29/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: sold
Company: or transferred to Lakeview Loan Servicing
State: LLC
Submitted_via: as instructed in XXXX 's letter
Date_sent_to_company: for instructions and a new loan number from Lakeview Loan Servicing
Company_response: LLC
Timely_response: but
Consumer_disputed: it is now XXXX XXXX
Consumer_narrative:
My wife and I received a letter in the mail dated XXXX XXXX, 2016, from XXXX Mortgage stating that the servicing of our mortgage had been " assigned

ZIP_code:
 '' and that we "" will be receiving a letter with [ our ] new loan number and instructions for making [ our ] payments from the new servicer. '' We waited

Complaint_ID:
 and we have still not received a letter from the new servicer. I tried calling Lakeview Loan Servicing


Product: but I need my new loan number from them to do that
Date_received:
I tried to set up an account online on their website in order to create an automatic recurring payment

Complaint_ID:
 and we have still not received a letter from the new servicer. I tried calling Lakeview Loan Servicing


Product: and then when we need to reach them
Subproduct: we ca n't even get them on the phone. It 's disappointing that
Issue: as consumers
Subissue: we have no say in who services our mortgage
Consumer_narrative: and we are stuck with any company our loan servicing is sold to
Company_public_response: for up to 30 years
Company: regardless of the new servicer 's customer service record
Date_received:
We just want to make our payment on time. It is incredibly frustrating to wait and wait and never hear from our new servicing company


Product: LLC"
Subproduct: MD
Issue: 212XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 02/29/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Date_received:
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Lakeview Loan Servicing


Product: XXXX
Complaint_ID: Yes
Date_received:
As I have not been given any real reason as to why this debt is owed and I have been told numerous times that my account is paid in full and I have zero outstanding insurance payments or deductibles I am disputing this charge. I have already sent notification of this by mail to Mazda Capital Services


Product: I asked them to provide the refinance paperwork ; however
Subproduct: when asked them to provide the refinance paperwork
Subissue: so this is a problem with the inability to not pay the mortgage at the time. However
Complaint_ID: Yes
Date_received:
03/04/2016,Mortgage,Conventional fixed mortgage,Settlement process and costs,,My mortgage is with Chase Bank under loan number XXXX. Most recently

Issue:
 they responded that they had no idea what I was asking. I refinanced because the mortgage payments were too high and the refinance they offered lowered the payments by {$600.00}

Consumer_narrative:
 I do n't really understand the terms or how this happened and they did not provide the refinance paperwork. I believe that the loan is a conventional fixed mortgage but


Product: Inc."
Subproduct: NY
Issue: 10462
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/04/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/04/2016,Credit reporting,,Incorrect information on credit report,Account terms,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Complaint_ID: Yes
Date_received:
XXXX and PennyMac violated the CA Homeowner Bill of Rights by not assuring the NOD ( and NTS, assignments and substitution of trustee ) are " accurate and complete and supported by competent and reliable evidence '' ( XXXX ( a ) )

Product:
 and after substantiating borrower 's default and servicer 's right to foreclose. XXXX XXXX b ). They violated the National Mortgage Settlement guidelines XXXX


Complaint_ID: Yes
Date_received:
The fraudulent or unreliable evidence includes notices for a DIFFERENT PROPERTY submitted to unlawful detainer court


Subproduct: XXXX 's XXXX XXXX
Issue: which differed from XXXX Mortgage
Subissue: which was reported to the XXXX
Company_public_response: with XXXX Bank XXXX XXXX
State: in XXXX
ZIP_code: XXXX
Submitted_via: and made XXXX payments for nearly {$17000.00} on 11 % rate
Date_sent_to_company: predatory
Company_response: higher than the previous loan
Timely_response: with the understanding "" XXXX '' would change the loan
Complaint_ID: Yes
Date_received:
PennyMac failed to vacate the Truth In Lending Act rescission in effect XXXX/XXXX/XXXX and illegally sold the property on the invalid basis of a void note and could not claim perfected title. They also could not claim duly perfected title with their failure to reliably document their authority to foreclose under CC XXXX XXXX a ) ( XXXX ). PennyMac answered a verification of debt request with documents mailed in XXXX XXXX but their documentation failed to confirm the debt and raises issues of fraud

Product:
 failing to confirm their authority to foreclose and standing. Their documentation included a Truth In Lending statement with a different originator

Consumer_narrative:
 and XXXX Bank XXXX XXXX. which was listed on original TIL statement and promissory note. PennyMac reported an even higher predatory rate of 12 % and a different payment for an ARM loan instead of the fixed rate of the purported loan I was assured would not have any "" toxic '' issues due to the ongoing crisis. Also included was a loan history that reflects XXXX as the investor only since XXXX. XXXX claimed to be the investor since XXXX. I was assured the loan was originally a "" XXXX '' loan since origination purportedly by XXXX 's XXXX XXXX XXXX

Company:
 as the original lender on the note and per my understanding of "" XXXX ''. I struggled from the first payment due to the crisis


Complaint_ID: Yes
Date_received:
The Truth In Lending statement provided by PennyMac as verification of debt not only has different terms but it does not accurately reflect the property address. Instead of XXXX XXXX XXXX XXXX XXXX it lists the property as XXXX XXXX XXXX XXXX XXXX This misrepresentation raises questions as to fraud and the city actions on the property based on corrupted property data. Either this reflects a complete breakdown in the processes by XXXX


Date_received: 03/04/2016
Product: Credit card
Issue: Closing/Cancelling account
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/16 I applied online for the BBVA Compass XXXX XXXX XXXX XXXX. I was instantly approved with the Slam Dunk message. The following week I received a letter stating that my account was closed and that if I wanted to know the reason why to contact them. I called the number listed on the letter and spoke with a rep who told me that they thought my account was closed because they thought it was a fraudulent application. I told her it was n't a fraudulent application and asked if I could verify my info or what else could I do? I also asked why no one contacted me to verify my information. She said she did n't know and suggested I " check my reports '' I have monitoring with XXXX ( who they pulled ) and XXXX monitoring. I check my reports regularly and also am notified of any activity on any of my reports. I have lived at the same address and had the same phone number for over 5 years. I have never had any fraudulent activity on any of my reports. I have never had any fraudulent accounts opened in my name. I have never even froze my reports. There is no reason that it should have been considered fraudulent. She said that she could not help me with my questions and gave me the number for the "" fraud '' dept. I called that number and it ended up being disputes. They told me the same thing as the first rep

Company_public_response:
 and transferred me to the actual fraud dept who again told me the same as the first rep that they think it is a fraudulent application and to check my reports. I told him that I am me and it is not fraudulent


Product: I went to the local branch on XXXX/XXXX/2016 and faxed the appropriate form
Subproduct: as instructed when I called to complain
Subissue: once again
Consumer_narrative: assured I had no need to worry about my future account billings. Yesterday
Company_public_response: once gain
State: this morning
ZIP_code: I called and immediately made the payments for all XXXX of my accounts. Once again
Date_sent_to_company: Chase should be penalized by CFPB
Complaint_ID: Yes
Date_received:
02/29/2016,Credit card,,Other fee,,I have XXXX credit card accounts. Approx. 8 months ago is first attempted to set up automatic payments for the 28 day of each month and was repeatedly advised the automatic payments had been scheduled for all future months. After many instances on non-payment

Issue:
 once again. I waited to make sure the fax was sent from the branch to the appropriate department and was

Company:
 Chase did not pay the XXXX cards from my checking account automatically. When I received nonpayment notification

Submitted_via:
 they charged me {$37.00} late payment fees on XXXX of the accounts. I 'm entitled a refund of the erroneously charged late fees. And


Complaint_ID: Yes
Date_received:
02/23/2016,Credit reporting,,Incorrect information on credit report,Account status,There are XXXX XXXX accounts that I know are past the statute of limitations


Date_received: 03/04/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: they 've given me incorrect information on a regular basis
State: again
ZIP_code: nothing. They just refuse to credit my account for anything
Submitted_via: and they wo n't even give me a reason. On top of that
Date_sent_to_company: around this time
Company_response: they went ahead & closed all of my accounts. I had a checking & savings account
Timely_response: along with XXXX brokerage accounts ( for myself
Consumer_disputed: kids
Complaint_ID: etc ). The problem was with the checking account ... why close my brokerage accounts???? Again
Consumer_narrative:
I had been a former employee, then customer of E-Trade for many years. I had my E-trade checking account linked to my Pay Pal account. XX/XX/XXXX, there were several unauthorized charges in my Pay Pal account, which spilled over to the E-Trade account, since it was attached. I first contacted Pay Pal, and they went ahead and credited my account for the unauthorized charges. The problem is E-Trade Bank. Because there was n't enough money in the ET Bank account to cover the unauthorized charges, they charged me XXXX NSF ( insufficient fund fees ) in a matter of a few days, for {$25.00} each ... that 's {$450.00}!!!! I spoke with them several times, explaining that I did n't make these charges, but they refused to reverse any of the XXXX fees. I spoke with Pay Pal again, and they informed me that since these fees were charged by ET Bank, they would be the ones to reverse them. This makes sense. Pay Pal did their part ; they credited my account for those charges, and even provided me with XXXX letters to give to ET explaining that these charges were n't my fault. I ca n't begin to tell you the XXXX that ET Bank continues to put me through. I have spoken with many reps from there, most of whom are clueless as to what 's going on ( even though they are on an " XXXX '' team- XXXX ). I get different reps every time & have to rehash the story to them

Company:
 and they put notes under the incorrect account numbers so that other reps do n't see the notes. I have also sent many "" secure messages '' to their Customer Service Dept. I 'm supposedly a "" valued client '' but


Date_received: 02/29/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company_public_response: XXXX ( see attached ) to me. As required by Texas Property Code 51.002 ( d ) and the Deed of Trust
State: possibly
Complaint_ID: Yes
Consumer_narrative:
Select Portfolio Servicing ( SPS ), Inc. recently employed XXXX XXXX XXXX XXXX XXXX ( a law firm ), to send via certified mail a " Notice of Acceleration of Loan Maturity '' letter dated XXXX XXXX

Company:
 SPS is required to send a "" Notice of Demand Payment '' and a "" Notice of Intent to Accelerate '' in order to provide adequate time to cure the debt and notice me that failure to cure the default will result in acceleration of the entire debt and could lead to a foreclosure and


Date_received: SPS purchased the servicing rights to my mortgage while it was in default. Therefore
Subproduct: despite written requests to "" Cease and Desist ''
Complaint_ID: Yes
Product:
 they are deemed a debt collector and not an original creditor in accordance with the Fair Debt Collection Practices Act ( FDCPA ) 803 Definitions [ 15 USC 1692a ]. SPS ( or their agents ) has


Date_received: Finally
Product: both XXXX XXXX XXXX XXXX
Complaint_ID: Yes
Subproduct:
 XXXX and SPS are in violation of FDCPA 1692e and 1692g ( b ) in that neither the law firm nor mortgage servicer has properly verified the debt. I have sent numerous RESPA requests asking for an itemized accounting clearly explaining each charge from inception of the loan. The payment history and all transactions from inception of the loan to XXXX XXXX have never been produced by SPS nor the previous servicer. They produce a copy of the note and an incomplete accounting which is missing years of records

Issue:
 does not clearly explain each charge with a date and does not reconcile back to the amount owed. Therefore


Date_received: 02/29/2016
Product: Debt collection
Subproduct: Credit card
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Submitted_via: we discussed for a while
Complaint_ID: Yes
Consumer_narrative:
Received a phone call from a " Third Party '' in regards to a legal package that someone was going to come to my work to give me

Company_public_response:
 he would n't give much info advised me to call XXXX for more information and he would put on hold for one hour

Company:
 serving me at my job and "" embarrassing me at my place of employment '' I called number explained what this man told me that called from Unknown number. The woman XXXX XXXX confirmed and said thank you for calling and taking care of this. She advised I saved myself {$2500.00} in legal costs ect. I set up arrangement and paid over {$400.00} right then and there. Once I got off the phone something did n't feel right

State:
 I realized this was an old debt that was too old for them to collect on. Called right back and asked for documentation showing that the court order was canceled. Which XXXX notified me on the previous call to her that they would cancel the court order. She then said it was a pending legal action and it had not yet went to the courts. That is when I realized they lied to me and violated my rights. I spoke with her supervisor XXXX XXXX ( which by the way has very

ZIP_code:
 very similar voice to the man from 3rd party which I have a voicemail on my phone from ) He said they will remove one of the payments due to the mis information

Date_sent_to_company:
 then said he would remove two payments and settle for what I had already paid {$430.00}. I explained how I felt and that my rights were violated. He said if I did not feel comfortable paying he would refund money. I called him the next day asking to be refunded because I was lied to. He argued with me saying he will refund but I am just trying to get out of paying the debt. I would have never gave a payment of {$430.00} if I was trying to get out of it. My rights have been violated and this company should not be able to call and lie to people who are already having a hard time paying bills. I am a mother of XXXX


Date_received: 02/23/2016
Product: Credit card
Issue: Rewards
Company_public_response: accounrding to my statement
State: however
Complaint_ID: Yes
Consumer_narrative:
On or around XXXX of XXXX I was conducting some regular banking at my Citibank branch on XXXX XXXX in New York. The branch manager recommended a credit card to me that call " double cash ''. His sales pitch was that I would receive 1 % cash back on all purchases at the time of purchase AND I would receive 1 % cash back at the time I paid my credit card bill. After six months of using this credit card I had built up

Company:
 a rewards point balance of approximately XXXX points with a cash value of around XXXX dollars. On or around XXXX of XXXX my card suddenly stopped working. After calling the bank I was told my account had been closed. No reason was provided. When I asked about the XXXX dollars I was owed I was told I was ineligible because the account was closed! This bank should be allowed to close any account they want. That is their right under the agreement. They should


Complaint_ID: No
Date_received:
DISCOVER repeatedly and persistently engaging or intentionally in harassing, harassment or harassing behavior against me to date. The communicating through electronic emails [ automated ], phone calls, third party collection agencies and or Reporting false or misleading information, to Consumer reporting agencies outdated and negative or erroneous information about previous business transactions IS CUURENT is " gross fabrication. These and other insidious and unfair business practices is retaliatory action and discriminatory in its applications.DISCOVER repeatedly and persistently engaging or intentionally in harassing


Complaint_ID: Yes
Date_received:
The bank representative and manager told me I was supposed to hold on to the paperwork I got with my card when I first received it years ago ; they said that was the only way for me to get the information. I had this card for years and do not have this hard copy of the disclosure. They later told me I could get a copy of the disclosure if I applied again for the same card


Subproduct: are not informed about this residual interest calculation either. So
Complaint_ID: Yes
Date_received:
The representatives later admited that this information "" could '' be in the paper bill but it is not in the e-Bill

Product:
 which means costumers ( like myself ) who choose e-billing per the bank 's recommendations to go green


Complaint_ID: Yes
Date_received:
I had a {$0.00} balance since XXXX/XXXX/16 and Bank of America charge me "" residual interest '' in their statement for the cycle that closed on XXXX/XXXX/16


Date_received: 02/23/2016
Product: Consumer Loan
Subproduct: Vehicle lease
Issue: Managing the loan or lease
Complaint_ID: Yes
Consumer_narrative:
Toyota Motor Credit Acct # XXXX is reporting that I owe a balance of {$1100.00} after turning in a leased vehicle. These are outrageous and inaccurate charges that are NOT TRUE! They are charging for keys when both keys were turned in the same day that the car was returned to XXXX XXXX XXXX. They also state that there were " scratches on the spoiler '' - there 's NO spoiler on the car. I was n't even there when the so called "" inspector '' looked at the car.. They even have the interior color wrong! The vehicle was well taken care of


Date_received: 03/09/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Threatened to take legal action
Complaint_ID: Yes
Consumer_narrative:
I was contacted at work and given the number XXXX to contact about a case # XXXX. I called the number and gave the case #, I should not have given my social security number over the phone. There was no company greeting, just a " how can I direct your call '' I was transferred to a representative and was told that there was a judgement being filed against me. I was given the terms of the judgement. I asked for a payment plan


Date_received: 02/19/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: account number and charge-off date to any of my known account records
State: payment history
ZIP_code: interest rate
Complaint_ID: Yes
Consumer_narrative:
I am in receipt of communications from a Law Firm Named Wetsch, Abbott, Osborn, XXXX and XXXX LLC. They are representing XXXX XXXX XXXX. In XXXX 2015 I responded to a " notice to cure '' from the above named law firm. As I am unable to match the said amount owed

Company:
 I sent a letter disputing the claim and requested validation of the debt including but not limited to a copy of a contract


Product: Inc."
Subproduct: CA
Issue: 95817
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 02/23/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
02/19/2016,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt is not mine,,Company believes it acted appropriately as authorized by contract or law,Commonwealth Financial Systems


Date_received: 02/19/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
I make my monthly mortgage paymnets by an automatic withdrawn of my bank acct ea month : by the XXXX the total amount of the mortgage is paid and I am never late with the due payment. Starting XXXX XXXX I tried to refi this mortgage. The loan officer was super slow on her work : every several weeks or even months she would ask me more docs needed for the closing. On XXXX XXXX she told me she ca n't close because I had a shortage on my escrow account. I was asked to pay {$790.00} for that escrou to be brought up to day. I send the payment on XXXX while I was also making my regular monthly payments. On XXXX XXXX I was short about {$75.00} ( rounded up ) due to my fault as I forgot to modify the automatic payment to reflect the new increased monthly payment due to the modification of prpperty taxes. Conclusion : although I made extra payment towards the shortage on escrow and I made all mothly payments in time, PHH mortgage mingled with my funds : it took money dedicated of paying the mortgage and dedicated to the escrow making the mortgage to be in defauls for two months. I had several discussions with representatives, all located in XXXX, and I receive daily collection calls for me being at " default '' with my mortgage payment. All this is not true as per above my mortgage is paid in a regular basis in full by automatic withdrawn. I made a complain to the president of the company about this situation early XXXX. No conclusion. The letter received on XXXX/XXXX/XXXX tells they are still investigating where is my money. Definetely the book keeping is very bad or somebody mingled with the money : they are unable to give me a decent explanation of why they stop applying the payments to the mortgage and kept my monthly payment twice. I figure now in their books that I pay about $ XXXX mo and change instead of my {$840.00} send monthly from my bank account. The result of this messy book keeping affects my credit report as I figure in pre foreclosure proceedings. None of the representatives I spoke with is unable to track down where is my {$790.00} send in XXXX


Date_received: 02/24/2016,Credit card,,Privacy,,Begining around XXXX
Company_public_response: XXXX
Complaint_ID: Yes
Product:
 XXXX Chase Bank begin sending email notifications to my ex husband regarding my accounts. Now in all fairness

Subproduct:
 he was paying a credit card that was in my name but during the divorce he agreed to pay it. For nearly three years

Issue:
 this was never a problem then all of a sudden he got an email when I paid my mother 's credit card form her checking account. Now

Subissue:
 their theory was my social security number was associated with my mother 's checking account and the credit card he was paying. However

Consumer_narrative:
 his Chase profile was giving him the option of using my mother 's checking account to pay his bill. Finally in XXXX


Product: XXXX XXXX XXXX XXXX
Subproduct: XXXX XXXX XXXX
Issue: XXXX XXXX XXXX XXXX XXXX XXXX
Subissue: XXXX XXXX XXXX XXXX
Consumer_narrative: XXXX XXXX XXXX XXXX XXXX
Company_public_response: XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Complaint_ID: Yes
Date_received:
This is unacceptable and I would like this to be documented formally so I may take additional legal action XXXX XXXX XXXX


Date_received: 02/24/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Complaint_ID: Yes
Consumer_narrative:
I recently applied for a home lease and the realtor pulled my credit report. The realtor claimed I had XXXX judgements of which I had never seen before on my credit report. This her basic quote, " She has XXXX judgements on her record XXXX for {$910.00} in XXXX 2013 and XXXX for {$890.00} XXXX 2013 .... '' This causes concern for a few reasons that are important to my credit history accuracy


Product: I spoke to an agent by the name of XXXX and I explained my circumstance
Complaint_ID: Yes
Date_received:
I am currently filing for divorce and I am having financial difficulties. Today XX/XX/XXXX I called the agency to make a {$300.00} payment to show good faith


Date_received: A few hours later an agent by name of XXXX called me
Subproduct: or tell him to have a good day and end the call ''
Complaint_ID: Yes
Product:
 I explained myself again and he said I had the following options and I quote ; "" Make the payment in full


Complaint_ID: Yes
Date_received:
I know collection agencies use hostile tactics to make people pay their debt. But they ca n't threaten legal action. This agency has never served me legal paperwork

Product:
 or filed a judgment against me to threaten legal action or garnishment of wages. They are actually in violating the FDCPA and at this point harassing me to pay the money in full. They also did n't ' give me the Mini Miranda


Complaint_ID: Yes
Date_received:
I tried to login in to their website to make an online payment and in big bold letters the status on my account is "" legal status ''. How can it be in a legal status? I never refused to pay my bill and if there is a lawsuit filed. What court is it through? What is my case number? As far as I know


Product: I am not refusing to pay
Subproduct: I want to pay the debt
Complaint_ID: Yes
Date_received:
I am more than happy to continue with my payment of {$300.00} per month until the debt is paid off. The way I was treated in this phone call was uncalled for. Again


Date_received: I am using this source
Subproduct: they were nothing but good to me
Complaint_ID: Yes
Product:
 because they wo n't speak to me or take my payment and I hoping that this complaint can help me establish a good consumer/creditor relationship. I want to pay the creditor


Date_received: 03/01/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Complaint_ID: No
Consumer_narrative:
I bought a merchandise using " Amazon Store Card ''. Its essentially a line of credit extended through Synchrony Bank. Like many other consumers Amazon lured me by offering an interest free period. However


Product: Inc."
Subproduct: MO
Issue: 63033
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 02/24/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: No
Date_received:
02/24/2016,Debt collection,Credit card,Cont'd attempts collect debt not owed,Debt was paid,,,Portfolio Recovery Associates


Product: without warning. XX/XX/XXXX
Subproduct: the only other charge on this card was {$14.00} for a telephone service
Subissue: before the due date. However
Consumer_narrative: because Capital One charged me a "" gotcha '' membership fee
Company_public_response: in contradiction to its advertised no annual fee for this card
State: the entire balance on the card now
ZIP_code: consisting mostly of these unfair charges
Complaint_ID: Yes
Date_received:
When I opened this account, there was no annual fee for the card, and I opened it because of this reason. Suddenly, on XX/XX/XXXX, I was charged a {$19.00} " member fee ''

Issue:
 which was a balance well below the credit limit. This same amount was paid electronically on XX/XX/2016

Company:
 it then charged me a late fee and froze the account because I did not pay it 's abusive charges. An electronic payment for {$53.00}


Date_received: Somewhat beside the point
Subproduct: it has gotten electronic
Complaint_ID: Yes
Product:
 I am away for the winter from the billing address and have not gotten Capital One 's last forwarded bill. However


Complaint_ID: Yes
Date_received:
When I made the initial purchase I was not told that the past due interest would be added to any outstanding balance. During that conversation I was told that my e-invoice stated this policy. In order to see this information I would have needed to download my statement, which I had n't done. I paid directly within the " make a payment '' options


Product: LLC"
Subproduct: GA
Issue: 30103
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/09/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
03/09/2016,Payday loan,Payday loan,Charged fees or interest I didn't expect,Charged fees or interest I didn't expect,,Company believes it acted appropriately as authorized by contract or law,Harpeth Financial Services


Date_received: 03/09/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Complaint_ID: Yes
Consumer_narrative:
I am an Authorized User on a Credit Card account. I have been in contact with my creditors furnishing this account to all XXXX credit bureaus. All except Transunion is not reporting this specific account on my Transunion credit report as well as not reporting on my Account Holder 's Transunion credit report. This account was supposed to be reporting from 2015 and we did not take notice of this unreporting until recent months when our credit scores were significantly lower than other credit bureau 's and compared what accounts were reporting and not reporting. Twice I have contacted Transunion and twice I came in contact with XXXX Transunion. Despite my informing him that the creditors have been reporting to Transunion, he continues to disagree and tell me that the creditors are n't reporting it and they need to contact Marketing Department directly. I said " Yes my creditors have in fact been in direct contact and I have documentation to show '' and he questions me. I requested today to speak with a Supervisor who tells me same thing as XXXX to have creditors contact Transunion directly. She said her name is XXXX XXXX. I told her I have documentation that Transunion is being contacted directly by my creditors and since she specifies Marketing Department handles the reporting I want the contact info and contact person to address this issue. She replies "" I do n't have that information. '' I asked to speak to her Supervisor and she replies "" I am the Supervisor. '' Funny how they are scripted to say this and how are we to know if such department exists


Subproduct: most people have deadlines
Complaint_ID: Yes
Date_received:
03/01/2016,Bank account or service,Other bank product/service,Using a debit or ATM card,,I contacted my card services at Payal. After having difficulty with them on several occasions I sought an accommodation under the XXXX to try and avoid repeated hang ups. I was told that Paypal does not accommodate people with XXXX

Product:
 that it was not a XXXX they deal with and that they are an online company so they do not need to comply with the XXXX or giving me equal access to good services and my money. Further they suspended my card while travelling and did not have anybody available to un-suspend my card. While travelling


Date_received: 03/14/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account
Company_public_response: monthly payment amount
Complaint_ID: Yes
Consumer_narrative:
I filed for XXXX XXXX Bankruptcy since XX/XX/XXXX which was discharged XX/XX/XXXX. During the bankruptcy period I was paying my first and and home equity line outside of the bankruptcy. XXXX XXXX XXXX Mortgage is my mortgage company which I had no issues with ; they sent me " informational statements '' each month which kept me informed of balance interest etc. However Green Tree never sent me informational statements although I had requested many times. I was always promised they would come but time and time again did not receive. Even now after a year since my Bankruptcy has been discharged I have not got XXXX statement. I was never informed Green Tree is now Ditech Financial LLC. I realized after receiving my Form XXXX Mortgage Interest Statement in XXXX XXXX and XXXX Green Tree to determine Green Tree is now Ditech. Both Green Tree and Ditech failed to provide me proper documents to inform me my loan was sold or transferred from Green Tree to Ditech. Both companies failed to comply with my request for informational statements while in Chapter XXXX. Both companies failed to provide monthly statement of my balance


Complaint_ID: Yes
Date_received:
With out knowing my current current interest amount I was unsure if getting a personal loan would be beneficial. Ditech Financial LLC ( formerly Green Tree ) has caused me much time and stress. As of today


Date_received: 02/24/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
ZIP_code: XXXX ) that just appeared since XX/XX/XXXX. I lived in XXXX
Complaint_ID: Yes
Consumer_narrative:
There are XXXX collections items that appeared on my Experian credit report in XXXX, XXXX that I have never had accounts with. The first is XXXX XXXX XXXX ( original creditor is XXXX XXXX ). They are tying the account to an address I had with my ex-wife XX/XX/XXXX but have not lived at since. Their last email to me from XXXX XXXX, XXXX Customer Relations XXXX, XXXX XXXX says that while my social security number does not match the XXXX on the account, he has " reached out to my identify theft department ; while our skip tracing does place you at the account

Company_public_response:
 this may be a case of identify theft. '' They are saying this previous address ties me to the account even though I have not lived there in over 30 years. The problem is

Company:
 they can not find the person the cable account IS tied to so they are refusing the resolve this issue on my credit report. I highly suspect they are now blending my file with someone else 's because since these collection issues were erroneously put on my report

State:
 several new addresses have been added that I do not or have not lived at ( all XXXX addresses and an address in XXXX


Date_received: The second collection item I challenged was with XXXX XXXX XXXX. After doing an investigation
Product: I received a notice from Experian saying the item would be deleted. But two months later
Issue: MD when the accounts were set up. In addition to the collections items on my Experian report
Complaint_ID: Yes
Subproduct:
 it is still on my report as well. I have done my due diligence by showing my previous MD address ( during the period of these XXXX collection items ) which proves I did not live in XXXX


Product: Servicemember"
Subproduct: Consent provided
Issue: Web
Subissue: 02/24/2016
Consumer_narrative: Closed with non-monetary relief
Company_public_response: Yes
Company: No
Complaint_ID: Yes
Date_received:
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian,FL,344XX,Older American


Date_received: 03/01/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Complaint_ID: Yes
Consumer_narrative:
I disputed the negative reporting on my credit file - XXXX XXXX XXXX XXXX. I disputed it with all other credit bureaus and it was not verified - Equifax continues to say it was verified with them, they will not delete the account but they will delete the historical account information. i do not understand what that means, i asked for explanation but i get refused. So i 'm filing a complaint today because I would like to request the " method of verification '' under the FCRA


Date_received: 03/15/2016
Product: Debt collection
Subproduct: Mortgage
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Complaint_ID: Yes
Consumer_narrative:
Due to a subprime loan by Countrywide/Bank of America, I lost my home on XXXX XXXX in XXXX XXXX in XX/XX/XXXX in a foreclousure sale. Bank of America Foreclosed on my home in XX/XX/XXXX, and no other activity occured on said account since. Bank of America reported to their collection company a wrongful activity date of XX/XX/XXXX. This is on my credit report with XXXX and XXXX and must be removed immediately. The last activity on this account was the foreclosure in " XX/XX/XXXX ''. I have submitted several letters of Dispute and calls to both XXXX XXXX XXXX


Product: at the time
Subproduct: held XXXX accounts with Regions bank. XXXX personal checking account
Issue: XXXX savings accounts
Subissue: and XXXX credit account. The credit account was there as an emergency account
Consumer_narrative: never used. Here recently
Company: as we do not use the account
ZIP_code: I never received a phone call from their collections department
Submitted_via: nothing. I spoke with XXXX XXXX
Date_sent_to_company: whom is a manager within their accounts department
Consumer_disputed: a notification was sent to the credit bureau. '' After receiving this letter
Date_received:
03/15/2016,Bank account or service,Checking account,Problems caused by my funds being low,,This incident started out in XXXX 2016. My wife and I have been Regions customers for over 15 happy years. Recently this all changed with them. We

Company_public_response:
 I noticed when I signed into my personal account online the credit account looked different. One day I signed into the account and noticed that there was a {$25.00} balance on the account. Unaware of the reason for this balance

State:
 I contacted the main Regions customer service department. I was advised that the balance on the account was a {$25.00} annual fee that is assessed to the credit account. I was never aware of this fee as I had never had a fee in the past but never the less was eager to pay the fee as it is something that I apparently owed to the bank. I inquired as to why the amount was not pulled from my personal account as over {$100000.00} a year is process thru this account. The customer service department advised me that I had to actually go in and make the transfer to the account from my other accounts. The {$25.00} fee was paid as soon as I was aware of the charge and I assumed everything was all good. A few weeks ago I was advised by XXXX that I had a negative impact reported to my credit file. Upon further investigation it was discovered that Regions bank was reporting this account on all XXXX of my credit bureau files as a negative account. I made contact with Regions bank again as I was never made aware of the fee in the first place. I never received a letter advising that the fee was charged

Company_response:
 and was advised that there was nothing they could do about it and I just had to deal with it. Unhappy with her professionalism

Timely_response:
 I took to their social media site where I was contacted by XXXX XXXX. XXXX would not reply to my online contact but rather called me to tell me that there was nothing they could do to correct this and again I had to deal with it. Again unhappy with this reply I made contact with the office of the CEO where I was given an email address to send the CEO an email. I sent the email explaining everything that has taken place and I received a letter today from XXXX XXXX ( Customer Satisfaction Specialist ) basically telling me the same thing. He states "" since the payment was made more than 30 days past the due date

Complaint_ID:
 I made phone contact with XXXX XXXX whom confirmed that their collection department never tried to contact me and they made no effort


Date_received: 02/19/2016
Product: Money transfers
Subproduct: International money transfer
Issue: Fraud or scam
Complaint_ID: Yes
Consumer_narrative:
Posted Bedroom furniture on XXXX for {$1000.00} ( XXXX/XXXX/16 ). Was contacted by XXXX XXXX XXXX. He said was on assignment on XXXX. Would have assistant send money order for {$1000.00} to cover furniture + {$40.00} to hold. Later notified that assistant made mistake sending XXXX {$980.00} money orders ( MoneyGram XXXX and XXXX ) instead of XXXX for {$1000.00}. He asked if I could send change of {$930.00}. I was suspicious, but when I took money orders to XXXX XXXX branch ( XXXX/XXXX/16 ) in XXXX XXXX, NJ was told by cashier ( XXXX ) that the money orders were " good ''

Company_public_response:
 "" same as cash. '' I made the mistake of believing the cashier. I sent a MoneyGram money order to XXXX XXXX XXXX in the XXXX ( MoneyGram Reference XXXX


Date_received: 03/15/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: and saw that this debt is not and never was on my credit report. Upon further research
Complaint_ID: No
Consumer_narrative:
First National Collection Bureau , Inc. sent me a letter ( along with a payment book ) indicating that I owe over {$5000.00} to a company I never incurred debt from. On this letter, they indicated that this " debt '' was from 2007. After further research

Company_public_response:
 it was determined that this company has been practicing in false/scam situations similar to this one for years. I ran my credit report ( as a safety precaution )


Product: Inc."
Subproduct: NY
Issue: 136XX
Subissue: Servicemember
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 03/15/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: No
Date_received:
,Company believes it acted appropriately as authorized by contract or law,First National Collection Bureau


Complaint_ID: No
Date_received:
On the back of the offer it indicates that the Program has a satisfaction guarantee. " If you begin the Program by making your first timely payments and subsequently decide that you do not want to continue the Program


Date_received: On the from of the offer "" Details on the XXXX credit card
Product: including applicable rates
Subproduct: fees and terms for new purchases and cash advances
Complaint_ID: No
Issue:
 are available upon request and will be sent to you after you have successfully completed your payments. '' The consumer is required to fill out information on the bottom of the page


Date_received: 02/19/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Threatened to take legal action
Company: 2011 article in The XXXX XXXX
State: XXXX
ZIP_code: the same company KF is garnishing my wages for "" XXXX XXXX
Submitted_via: XXXX '' has been the subject of a class-action lawsuit in XXXX
Date_sent_to_company: `` ... XXXX is under fire in XXXX and XXXX
Consumer_disputed: including XXXX
Complaint_ID: for giving too little to consumers ... Of XXXX 's XXXX XXXX County lawsuits
Consumer_narrative:
I have tried unsuccessfully on multiple occasions to discuss a payment plan with Kramer & Frank, PC, ( KF ) however they refuse to even discuss my case with me. How is it possible that a company that refuses to speak with you regarding making a payment plan can now garnish your wages? During my many failed attempts at a discussion with KF, I have graduated from XXXX, almost died from a serious illness, gotten into a very competitive graduate program, and most recently lost my job. My XXXX professor at XXXX University in XXXX XXXX informed me that he successfully sued KF due to there shady business practices. My relative had a payment plan with them some years ago and they continued to collect money after the debt was fulfilled. After reviewing, the original debt and calculating the payments my relative realized that the debt was paid-in-full months earlier. Prompted by this realization went to KF office and spoke to someone who confessed that yes the debt had been paid-in-full months earlier and was given paperwork to that effect. I have also had a previous debt years ago administered through KF and they would always " lose '' my money orders or "" credit '' my payments towards someone else 's account. This caused me constant frustration and hours on the phone with them. I believe I spoke to a lady named "" XXXX '' back then. It was due to these continued issues that promoted me to seek the advice of my Professor. My Professor 's advice was to always send things to them United Stated Postal Service Certified Mail with Return Receipt as it is admissible in court. This is one of the largest debt collection agencies in the United States. They have a very bad reputation within the XXXX community. I remember seeing them in court speaking very disrespectfully to XXXX including myself. It would not surprise me if KF is on XXXX Attorney General XXXX XXXX list of debt collection agency being investigated due to their dealings with the XXXX community ( please see links to articles )

Company_public_response:
 XXXX and XXXX. Simple XXXX searches of KF will reveal multiple complaints that people have placed online many of which are regarding communication issues : XXXX and XXXX. According to an XXXX XXXX

Company_response:
 where the attorneys general have filed legal actions alleging that the company illegally mass-produced legal documents that defrauded debtors and hijacked the court system into serving as a collection agency. XXXX is also the subject of an ongoing class-action suit in XXXX

Timely_response:
 where a proposed settlement has drawn opposition from the Federal Trade Commission and attorneys general of XXXX states


Date_received: 03/09/2016
Product: Mortgage
Subproduct: Reverse mortgage
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
I get repeated " Annual Occupancy Certificate '' statements forms to fill out as terms of my Reverse Mortgage with Champion Mortgage and when I do send them in

Company_public_response:
 they send another one within a month stating it is 2nd notice and I sent in the first one within one week of getting the first form. Even though I sent it back via their fax # and at same time


Date_received: When I called their customer service # and spoke with a guy known only as XXXX
Complaint_ID: Yes
Product:
 he sated the records show receipt of my from from XX/XX/2016. But when I asked why they sent me a 2nd notice dated he said only that he guessed that the forms must of crossed themselves in the mail. But when I pointed out that there was a good 2 weeks from their receipt of my first form

Subproduct:
 he had no other explanation even though I asked for an answer as to why they did this. Upon doing a search of complaints about Champion Mortgage I found many


Date_received: 03/01/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: I have e-mailed them
Complaint_ID: Yes
Consumer_narrative:
I have been trying to contact the mortgage servicing company ( Roundpoint Mortgage Servicing ) for weeks to unlock my account. The account was locked because I was forced to change my password and was unsuccessful trying to log in afterwards. I have called the customer service number numerous times, and always get the message " we are experiencing high call volume ... '' etc. I have tried the option of having them call me back


Complaint_ID: Yes
Date_received:
02/24/2016,Student loan,Non-federal student loan,Dealing with my lender or servicer,Keep getting calls about my loan,Sallie Mae and XXXX continually call my grandparents


Product: which we were granted
Subproduct: but after that we were unable to catch up and pay on time. In XXXX XXXX
Consumer_narrative: we were taken back on the amount. It was extremely high! Even with late fees
Company: AND current
State: different amounts went to the principle amount towards the loan. Every month up until XX/XX/XXXX
ZIP_code: had a different amount. One time
Complaint_ID: Yes
Date_received:
03/10/2016,Consumer Loan,Vehicle loan,Managing the loan or lease,,We got a car loan through First Investors Servicing Corporation on XXXX/XXXX/XXXX. My husband lost his job XX/XX/XXXX. We paid up until we asked for 2 differed payments

Issue:
 we gave the car back to them because they would not work with us. We were hoping to refinance through them

Subissue:
 but we were told that is something they do not do. When we got the later stating what we owed left on the loan

Company_public_response:
 we were floored to see the balance. We began investigating our account and found out that when we paid

Submitted_via:
 only {$5.00} went to the principal. Seriously ... {$5.00}. We contacted a lawyer and found out that in XX/XX/XXXX

Date_sent_to_company:
 First Investors had already been fined XXXX dollars for doing the same to others AND false reporting to all XXXX credit bureaus. The lesson has not been learned. Now they have added on more fees and costs and now we owe more on the car then we even took the loan out for! They are bad

Company_response:
 bad people and have no right in giving anyone a loan. Please stay away from this company and if by chance you are stuck with them right now

Timely_response:
 I seriously advise you to take a good look into your account and even check the credit bureaus. We are now loacting an attorney to help with deceptive trade practices


Product: Inc."
Subproduct: TN
Issue: 370XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 03/10/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,First Investors Financial Services Group


Date_received: 03/04/2016
Product: Credit reporting
Issue: Credit monitoring or identity protection
Subissue: Problem with fraud alerts
State: but in the 2 days it took them to respond
Complaint_ID: Yes
Consumer_narrative:
I have an account set up with CreditKarma, and have for about 1 year. On XXXX XXXX 2016 at XXXX XXXX I received an email from XXXX Karma to my gmail that there had been a request to reroute my account to a new email address. It instructed me to respond if I had not made this request. I responded immediately that I had not. I received an automated reply stating that I would hear a response in 1-3 days. I attempted to log in to my account, but my password had been altered. When I attempted to retrieve the password by having the reset sent to my actual email address, the emails did not arrive. When I finally was able to access a part of their site to let me verify additional information for the password, the link was broken and would not submit. According to their forums, this is a common problem that many people have encountered. Later that day, I received a call from XXXX XXXX XXXX credit card online services asking if I had made an attempt to open a card. I had not, and told them that it was fraudulent. I then contacted the bureaus, froze my credit, and again attempted to contact CreditKarma. It was n't until nearly two days later that they sent me a basic email asking if XXXX was my email. It was not, it was the fraudulent email. They offered to freeze my account, however, offered no explanation as to how someone was able to gain access to my account, and reroute my emails, change my password, and collect my info. I was locked out of my own account, and they have no option to contact someone via phone or instant chat. The phone number listed for their site is for a line that has a recording. Their service is very slow, and even though it is a " free '' service

Company_public_response:
 they are sitting on a lot of people 's very valuable personal information and owe consumers the ability to reach someone in an emergency situation. To be made aware of an attempt to change my email information

Company:
 and be powerless to stop it makes no sense. I received the notification and was told to respond if I had not requested this

ZIP_code:
 they already granted the criminal access and the ability to change my info. If I had been able to call a number or have an instant chat

Submitted_via:
 I could verify my info. Their security is very lacking for a site with as much personal information as they gather. It is concerning that they offer no way to escalate or triage issues that are very urgent

Date_sent_to_company:
 and can lock the user from their own information while allowing thieves to collect it and use at their will. They need some mechanism to correct this


Product: Inc."
Subproduct: GA
Issue: 303XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 03/04/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Credit Karma


Product: technical support
Subproduct: and account protection representations
Complaint_ID: Yes
Date_received:
I currently have over {$1000.00} and am unable to link a checking account to withdraw the funds. I 've spoken with numerous customer service


Complaint_ID: Yes
Date_received:
When refusing the block they send out a generic letter - there are only XXXX reasons they can refuse the block : 1. Request made in error. 2. Materially misstated the facts. 3. The consumer received goods or services. They are required to provide a specific detail on why a refusal to block is made ( which they are not doing ). How could they investigate any XXXX of these XXXX items within 4 days or have the ability to gain evidence to support a refusal? So


Date_received: 02/19/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company_public_response: which was located at XXXX XXXX XXXX XXXX XXXX
ZIP_code: which for this account occurred in XXXX. By law
Complaint_ID: Yes
Consumer_narrative:
Bank of America Mortgage Account XXXX was incurred as part of a normal XXXX mortgage and used for the purchase price ( " purchase money '' ) of the borrower 's primary residence XXXX

Company:
 CA XXXX. The last payment activity on this account occurred in XXXX and has been reported to the credit reporting agencies for 7 years. Bank of America has stated that the charge off that its reporting occurred in XXXX and that the charge off will be reported for 7 years. However

State:
 the Fair Credit Reporting Act ( FCRA ) states that negative information must be deleted from our credit report after 7 years from the first delinquency


Product: LLC"
Subproduct: NJ
Issue: 07727
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/04/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
03/04/2016,Debt collection,I do not know,Communication tactics,Frequent or repeated calls,,,URS Holding


Date_received: 03/15/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Complaint_ID: Yes
Consumer_narrative:
For the past few years I have been paying interest on all of my loans, and this month is the first month that the loan payments are going into effect. Paying Sallie Mae has never been an issue, the issue is that I called for them to adjust my payments based on my income ( which is {$1200.00} every 2 weeks ). Well the associate pretty much took the average of my income and the amount of paychecks for the year and stated that I make {$2600.00} a month which is not true. There are only two months out of the year in which I get paid 3 times a month which is XX/XX/XXXX and XX/XX/XXXX so pretty much for the entire year I make {$2400.00} a month except for those two months. Anyway so after telling them how much I pay in bills each month the associate has it in her head that I would have {$600.00} remaining because she believes that I make {$2600.00} each month from this miscalculation ( so they pretty much took the amount from those XXXX additional paychecks that I would receive, divided it up and added that amount to my monthly income ) but in actuality I would only have {$400.00} a month remaining and they wanted to charge me {$340.00} a month for the loans which would leave me with {$57.00} in case of emergencies, oil changes or what ever else comes up during the month ... Then I discovered that I also have federal student loans that would go into effect as well and I wanted to include that amount in my monthly bills and they told me that they do n't include that because they want you to file for forbearance or deferment instead of lowering their payments. They know that paying federal student loans is a bill but since the government offers that option, they would rather get the customer in more debt than help them out of it. I feel as if somewhere this is against the law im sure because I thought that a person could not apply for this unless they truly needed it, this should not be an option for another company to advise their customers of so that they can get the most money possible out of the customer. So while speaking with the manager and explaining that I was trying to pay both the government and them, the guy told me to " shift '' my money around because they were doing me a favor and that I was lucky that they were even doing that. So at this point


Product: and we ca n't tell you why '' does n't work for me
Complaint_ID: Yes
Date_received:
I fully understand if there is criteria I have not met, but to simply be told " You 're not eligible

Subproduct:
 and seems more like false advertisement than anything else. If I were to be told exactly why I was not eligible


Product: "" XXXX XXXX
Subproduct: '' who identified himself when asked
Subissue: on the day that the consumer signs onto the account
Complaint_ID: Yes
Date_received:
On XXXX/XXXX/XXXX, I called BoA and spoke with a customer service representative, " XXXX. '' She transferred me to her supervisor

Issue:
 as a "" supervisor of the agent team. '' XXXX XXXX acknowledged that there is nothing on the website that explains to a consumer who wishes to pay the amount necessary to result in a zero balance on the account that the amount shown as due


Product: and enter an amount to pay
Issue: and he refused to do so
Complaint_ID: Yes
Date_received:
I explained to XXXX XXXX that the failure to provide this information on the website -- in the "" Pay This Card '' dialog box that pops up to allow the consumer to click on the "" Make Payment '' button

Subproduct:
 is misleading. I asked that the {$38.00} be credited back to the account such that the next statement would show a XXXX balance


Subproduct: i was losing my XXXX son in the hospital and 1 day after he died
Complaint_ID: Yes
Date_received:
02/24/2016,Bank account or service,Checking account,Deposits and withdrawals,,Chase bank refuses to reopen the investigation on my account that was closed due to fraudalant activity. I have a police report which they gave me and told me they had made XXXX arrests for the incident and yet chase wont even bother to change the issue. I called thru relay to report my card missing and either there was a misunderstand between operator and banker or they are make it up that i claim to still have my card which isnt true at all

Product:
 even the banker i was talk to said they would send me a new card. Now that i am settled down and ready to possibly take chase to court to lawsuit because while this situation happened


Date_received: I lost my son
Product: my home
Subproduct: school
Issue: and my bank all in one month
Complaint_ID: Yes
Subissue:
 and i am devastated after trying to deal with bank numerous times to solve this issue. Besides losing a son


Product: Inc."
Subproduct: MD
Issue: 20640
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/01/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/01/2016,Credit reporting,,Credit monitoring or identity protection,Account terms and changes,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Subproduct: Capital One
Issue: FL
Subissue: 330XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 03/01/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
la compania de celular es Lycamobile.us y ellos me piden una carta del banco, de cash back y el banco no quiere hacer la carta y es de la unica manera que Lyca mobile restituye mi servicio.


Date_received: 02/19/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: my average account term
Company: according to them
State: is ten years. I have numerous mortgages on properties that I have held for 15+ years
ZIP_code: numerous credit cards that I have had for over 10 years
Company_response: I wanted to file a complaint as I am sure others are receiving the same status
Timely_response: if you will
Consumer_disputed: of too short a credit history. I have excellent credit
Complaint_ID: but by FICO standards
Consumer_narrative:
I use Experian and XXXX credit monitoring services and they have that my " Credit History is too short '' and that is hurting my score. My oldest account is 28 years old

Submitted_via:
 which I pay more than the minimum payment and all on time. I am not sure what they consider "" aged accounts ''

Date_sent_to_company:
 but by most standards my credit accounts are not "" too short ''. I called Experian and they could not figure out why FICO considers my credit history to be "" too short ''. They told me that FICO sends them that information. Instead of contacting FICO


Product: Inc."
Subproduct: WI
Issue: 53011
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/01/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: but by FICO standards
Date_received:
03/01/2016,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt was paid,,,State Collection Service


Product: Inc."
Subproduct: PA
Issue: 16648
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/15/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/15/2016,Credit reporting,,Incorrect information on credit report,Account terms,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Complaint_ID: No
Date_received:
Notices from both servicing companies that announced a new Servicer will be collecting the loan payment state " Nothing else about the mortgage loan will change. '' Per BSI Financial Services


Date_received: 03/10/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Investigation took too long
Company: Equifax
State: LA
ZIP_code: 712XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Disputed XXXX 's account because it was paid in full but Equifax was still reporting a balance. When I disputed I sent a copy of the receipt and letter stating that the account was paid in full. When the results of the investigation came back, Equifax stated that the information was verified. I contacted the creditor and was informed that the balance was {$0.00} and was reported as such. The account was paid in XX/XX/XXXX but is still showing a balance as on today XXXX XXXX and was disputed on XX/XX/XXXX with results on XX/XX/XXXX. I feel that the information should be deleted since it has been well over 30 days and creditor has stated that account balance is {$0.00}.


Complaint_ID: Yes
Date_received:
Note : HSBC has settlement in Massachusetts with Homeowners - Once a homeowner shows proof he has other insurance coverage on his house


Product: GA XXXX To whom it may concern : In accordance with Federal Civil Rights Law
Issue: ( including but not limited to : date account opened
Subissue: date closed
Consumer_narrative: full accounting of account
Company_public_response: address where bills were mailed to ) from this alleged creditor. If these items appear in error
Complaint_ID: Yes
Date_received:
02/24/2016,Credit reporting,,Incorrect information on credit report,Public record,Equifax XXXX XXXX. XXXX XXXX XXXX

Subproduct:
 demonstrate that the following material appears correctly on my credit reports. Request ample documentation


Date_received: 03/04/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure
Company_public_response: XXXX
Company: attorney for XXXX XXXX
State: has contacted Wells Fargo on several occasions
Complaint_ID: Yes
Consumer_narrative:
The bank, Wells Fargo, pretended to be negotiating a settlement of the loan in question, however, they were denying XXXX XXXX 's settlement offers without providing a reason as to why they were denying the offers. XXXX XXXX has submitted numerous settlement offers in an attempt to come to an agreement on a specific settlement amount, however, all the settlement offers have been denied. All the denial letters list the same reason for decline : " Offer is below settlement guidelines for approval. '' XXXX XXXX XXXX


Date_received: From initial conversations with one of Wells Fargo 's representatives
Product: XXXX XXXX ( email address : XXXXXXXXXXXX )
Subproduct: XXXX XXXX was told
Subissue: since the conversation with the Wells Fargo representative
Consumer_narrative: XXXX XXXX has offered several settlement amounts
Complaint_ID: Yes
Issue:
 "" let me know when you have the {$25000.00} ... that is the number we agreed upon. '' XXXX XXXX provided proofs to the representative that he had the {$25000.00} they agreed upon. Additionally

Company_public_response:
 including {$50000.00} and {$75000.00} settlement offers. All his settlement offers have been denied with the same standard denial message that his offer is "" below settlement guidelines for approval. '' Despite Wells Fargo 's unwillingness to enter into negotiations


Date_received: In XXXX
Product: XXXX XXXX was told that he was qualified for refinance
Subproduct: but then in XXXX
Issue: XXXX and XXXX
Complaint_ID: Yes
Subissue:
 he was told that he was not qualified for refinance any longer. There was not any dramatic change in XXXX XXXX 's income from XXXX to XXXX. Therefore


Product: a XXXX mortgage
Subproduct: which is {$2500.00} per month. He is current with his payments on the mortgage. However
Complaint_ID: Yes
Date_received:
The last payment that XXXX XXXX made was around on XXXX XXXX. XXXX XXXX was paying {$650.00} for interest on line of credit. He also has another mortgage with Wells Fargo


Complaint_ID: Yes
Date_received:
The bank now claims that they will stop working with XXXX XXXX for the settlement because his property is valued more than the loan amount owed. However


Product: Inc. (FNIS)"
Subproduct: TX
Issue: 77598
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/08/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/04/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Fidelity National Information Services


Product: but the modification included the most outrageous and unfair extra fees. They took all the legal
Subproduct: taxes
Issue: insurance
Complaint_ID: Yes
Date_received:
The settlement came in and it was the most one sided unfair settlement so we made our modifications signed and sent it back. The process moved forward and we got the "" modification of our mortgage ''

Subissue:
 late fees and pile them up on top of our mortgage bringing the cost of our home to {$530000.00} when the real value of the house is {$320000.00} leaving us with a {$210000.00} extra charge to our home and increasing our payment to 40 years. It was not our fault that the foreclosure process took 5 years


Complaint_ID: Yes
Date_received:
Here are our options : 1. If we stay in our home and pay {$3000.00} plus {$990.00} that Nationstar added including the most expensive Home Owners insurance in the market the monthly total monthly would be {$4000.00}. Oour income


Date_received: At the end and due to a consistently predatory lending practices we will lose our home
Complaint_ID: Yes
Product:
 the banks took not only XXXX of the real value of the house in our monthly regular payments before we defaulted

Subproduct:
 but they got XXXX % of the value paid twice ; once by the PMI ( Private Mortgage Insurance ) that we paid at a rate of {$390.00} per month when we defaulted


Product: Inc."
Subproduct: FL
Issue: 33701
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/10/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/10/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Product: I sent in the modification packet. I received the same type of run around with missing documents
Subproduct: new customer service rep 's
Subissue: I stopped making payments and was attempting
Company_public_response: XXXX XXXX XXXX XXXX XXXX
Complaint_ID: Yes
Date_received:
We had a modification in 2012 due to the DOJ National Mortgage Settlement. Part of the modification agreement stated that any escrow amount, or interest that was past due before the effective modification date of XXXX would be added to the principal balance. There were accounting errors that left a negative balance in our escrow account prompting a significant increase in our monthly payment. I reported the error to the law firm that represented BofA, to the customer service rep ( not there anymore ), the Post Modification Dept., Escrow Dept. etc. etc. with XXXX remedy. I was told the only way to clear up the concerns would be to apply for another modification and resubmit all the documents again. Feeling like I did not have another option and the Bank was now not applying my monthly payments b/ they were not " full '' payments

Issue:
 etc. and was ultimately turned down. I appealed and the appeal was turned down. Extremely frustrated

Consumer_narrative:
 yet again to reach someone that could make a decision. My loan was then transferred/ sold to XXXX in XXXX. XXXX was missing several documents and was not able to tell me the terms of my loan etc. I have to date sent XXXX 3 Qualified Written Requests per RESPA with one late vague response that did not answer my concerns. I have been in contact with XXXX repeatedly. I have stated that I am still waiting for the documents I have requested showing that they have legitimate rights to collect my payments. I also would like documentation of the transfer agreement and proof that the trust XXXX


Complaint_ID: Yes
Date_received:
03/23/2016,Debt collection,Credit card,Cont'd attempts collect debt not owed,Debt was paid,Nations Recovery Center XXXX is trying to collect from me a judgement they say I owe from 2007 in the amount of {$1000.00}. I signed a consent judgement and paid directly to XXXX XXXX XXXX XXXX XXXX


Complaint_ID: Yes
Date_received:
Applied for pre-approval on a mortgage for a new house and cash-out refinancing on our existing house in order to fund the new property 's down payment. Citi 's feedback ( entirely reasonable ) was that we needed to show more assets sufficient to cover payments during the " double carry '' period when both loans would be in effect. Thus ensued over two months of discussions about how to meet the reserve requirement. Citi 's representatives were extremely slow to respond throughout the process. Once we finally came up with a structure that solved the reserve requirement problem -- again

Product:
 after over two months of discussions -- Citi 's mortgage broker announced that our income was insufficient to qualify for both mortgages at once. ( Not insufficient for either loan


Date_received: Citi is entitled
Product: of course
Complaint_ID: Yes
Subproduct:
 to create whatever underwriting guidelines they choose -- sensible or no. But it is a bit much to be led along for months on end like this. Citi had enough information about our income and borrowing request that they could have denied us within days or hours of receiving our application. Instead


Product: he stated that "" I should just pay the bill ''
Complaint_ID: Yes
Date_received:
During my phone call today with XXXX, it was like speaking to a wall. He was simply stating his talking points, but would n't listen or respond to what I offered. During that call he effectively offered legal advice that I " should n't waste my time on contacting an attorney ''


Date_received: Furthermore
Subproduct: and therefore
Complaint_ID: Yes
Product:
 he said that if we did n't pay he would sue us - this seems dubious since they have apparently been sitting on this account without attempting to collect for nearly 3 years. We consider this an unfounded threat


Date_received: Additionally
Product: with my personal experience with debt XXXX we use for our own company
Complaint_ID: Yes
Subproduct:
 we know that the balances of these XXXX accounts are too small to be considered something worth turning over to litigation. As such


Date_received: Finally
Product: when I asked to speak to his supervisor or manager
Subproduct: he stated that he was the "" manager ''
Subissue: and as such
Complaint_ID: Yes
Issue:
 and refused. He said the next point of escalation would be to speak to XXXX of their attorneys ( if I wanted to make it a legal matter ). Which is essentially a legal threat. The other alternative was to speak to the manager. My understanding of your firm is that XXXX boss is not the owner of the company


Complaint_ID: Yes
Date_received:
02/25/2016,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt was paid,I had a medical bill of {$540.00}


Date_received: I requested my credit report from XXXX on XX/XX/XXXX
Subproduct: ( XXXX ) XXXX
Complaint_ID: Yes
Product:
 and I found out that Syndicated Office Systems ( whom also goes by Central Financial Control ) put my account to collection. I called the phone # listed within my credit report


Date_received: On XXXX XXXX
Product: XXXX
Complaint_ID: Yes
Subproduct:
 Central Financial Control sent me a letter to confirm that my account was "" settled in full '' and that it would take 30 days to update my account with XXXX


Complaint_ID: Yes
Date_received:
It worries me that if the hospital or medical center gives Syndicated Office System or Central Financial Control too much power to access to their patients ' information from their computer systems


Date_received: I attempted to make another call to Central Financial Control and spoke with representative XXXX
Complaint_ID: Yes
Product:
 who then transferred me to XXXX XXXX # XXXX ( floor leader ). He advised me to fax a letter to "" Inquiry Resolution Service '' at ( XXXX ) XXXX to seek for help


Complaint_ID: Yes
Date_received:
03/23/2016,Bank account or service,Checking account,Problems caused by my funds being low,,US Bank applied a {$36.00} fee to my account and brought the balance down to negative {$35.00}. They put my account in negative. Then proceeded to charge overdraft fees 4 more times. They created my negative balance then penalized me because of the negative balance they created. Furthermore


Subproduct: XX/XX/XXXX
Issue: XXXX/XXXX/XXXX
Subissue: XXXX/XXXX/XXXX
Consumer_narrative: XXXX/XXXX/XXXX
Company_public_response: XXXX/XXXX/XXXX
Company: XXXX/XXXX/XXXX
State: XXXX/XXXX/XXXX
ZIP_code: XXXX/XXXX/XXXX
Submitted_via: XXXX/XXXX/XXXX
Date_sent_to_company: XXXX/XXXX/XXXX
Company_response: XXXX/XXXX/XXXX
Complaint_ID: it seems that the transmission is going out. And of course we are being told take it to XXXX
Date_received:
03/01/2016,Consumer Loan,Vehicle loan,Shopping for a loan or lease,,I purchased a XXXX GMC Envoy on XXXX/XXXX/XXXX from Drivetime. Repairs started immediately on the vehicle

Product:
 the first repair was approx a week after purchase. Some receipts we were not given because it was within the 30 day warranty and they would not give us receipts for the work that was done by their preferred mechanic XXXX XXXX. The dates of all the repairs made by XXXX are as follows

Timely_response:
 XX/XX/XXXX.And our portion was {$100.00} each time these repairs were made. And we also had the lift system replaced due to a busted air bag XX/XX/XXXX for {$420.00}

Consumer_disputed:
 and I paid {$470.00} on XXXX/XXXX/XXXX for repairs to XXXX XXXX because XXXX was unable to complete the repairs that he started. We are advised by the shop that replaced the lift system that the vehicle looked like it had been under water underneath the truck. Well my husband attempted to change the brakes on Sunday XXXX/XXXX/XXXX. He was unable to get the brakes off due to the bolts were rusted on to the truck. The brakes and rotors are COMPLETLY rusted and the brake shield which is steel falls off into pieces to the touch. I had previously ask for another vehicle and was told that is not considered until the cost of repairs total the cost of the vehicle.We are well over the blue book value which is starts at around $ XXXX and the repairs at his point are over $ XXXX! We have photos and video of the rust on the wheel and brake issue. NOW they are telling me they do n't replace unless the cost of XXXX repair has to total the value. THIS IS NOT WHAT I WAS TOLD. I WAS SOLD A LEMON THAT HAS BEEN UNDER WATER! And now I was told to take the truck to XXXX again to look at the rust and brake issue. Now I am being told they will not cover the repair. I knew this would be the issue and I do n't want it repaired I want them see the rust and disintegrating steel and put me in another vehicle. Now it has cost me {$50.00} for nothing other than them to tell me they do n't cover the repairs. Well I knew this! And the vehicle is still not running properly


Date_received: 03/01/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: I was at the Virginia XXXX XXXX
Company: working XXXX. I have not been in XXXX since XXXX. Further
ZIP_code: but I got another notice today. If this is a scam
Submitted_via: I want them shut down. If this is shoddy record keeping on the part of XXXX and/or P.A.M
Date_sent_to_company: I want it stopped. P.A.M. threatens to destroy my credit. If that happens
Complaint_ID: Yes
Consumer_narrative:
Professional Account Management, XXXX, WI, allegedly acting on behalf of the XXXX VA, is trying to collect an " unpaid parking ticket '' in the amount of {$30.00}. The supposed date of the violation was XXXX/XXXX/XXXX. I have called XXXX and P.A.M and explained that on the date cited

State:
 the citation states that the vehicle was a XXXX. I do not own a XXXX and have never owned a XXXX. Finally the P.A.M. notice states that {$40.00} dollars has been paid and the outstanding amount due is {$30.00}. I never paid anyone {$40.00} and I am not paying anyone {$30.00}. I explained all this to XXXX and P.A.M. in great detail in XXXX and advised them to check their records and find out who paid the original {$40.00}. I assumed it had been resolved


Date_received: 03/01/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
Complaint_ID: Yes
Consumer_narrative:
My complaint is concerning my mortgage info being removed from our, my husband and mine, credit bureau report. I recognized the problem when I viewed our credit reports on XXXX XXXX 2016. I was told by, XXXX of XXXX ( Dispute dept. XXXX ), that our mortgage info had been removed by HFC, Member HSBC XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX, phone # XXXX. XXXX told me that she knew that HFC removed the info, because XXXX database showed an exclusion code from HFC, and that sometimes businesses removed info for maintenance or optics reasons. I then called XXXX on XXXX XXXX 2016 and spoke to XXXX a supervisor, who told me that for business reasons, HFC temporarily suspended reporting on all their mortgage info to the credit reporting agencies, because they did not want to report anything negative. My response was, " when you pull info from a persons credit report it reflects negatively and will cause the credit score to decrease which would affect your customers negatively. '' He then told me that he did not know if or when HFC would be putting the info back and that I would have to fax my complaint to their Credit Bureau Dispute and Inquiry dept. The fax which was given was XXXX. I asked him would this dept. be able to add our mortgage info back to our reports. He said

Company_public_response:
 no ... my reason for filing this complaint. I have never heard of such a thing and without notifying the customers. Is this even legal? I am also concerned


Date_received: See : Exhibit XXXX Pages XXXX & XXXX 2 ) Dated : XXXX XXXX
Subproduct: MERS not XXXX XXXX assigning Beneficial right to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank
Issue: as Trustee For The Certificate Holders XXXX XXXX
Subissue: Asset-Backed Certificates
Consumer_narrative: XXXX XXXX Also
Company_public_response: XXXX XXXX
Complaint_ID: No
Product:
 XXXX "" A Corporation of Deed of Trust Arizona '' Stamped by First American Title ; Recorded at the request of XXXX XXXX


Product: XXXX XXXX XXXX XXXX XXXX XXXX
Subissue: which is a part of the Real Estate Settlement Procedures Act
Complaint_ID: No
Date_received:
Exhibit XXXX XXXX XXXX "" Bankruptcy Case No. XXXX '' 3 ) ( Entered : XXXX/XXXX/XXXX ) Motion for Relief from Stay ( XXXX fee ) Re ; Real property

Subproduct:
 AZ XXXX filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. on behalf of XXXX XXXX XXXX XXXX XXXX XXXX FKA ( Attachments : # XXXX Exhibit "" A '' Note # XXXX Exhibit "" B '' DOT # XXXX Exhibit "" C '' Assignment # XXXX Exhibit "" D '' - Surrender ). XXXX XXXX

Issue:
 XXXX XXXX The XXXX 's Original "" Note '' Original "" Deed of Trust '' was not in their possession as claimed by the Attorneys and I believe it is still not in their possession as claimed or it would have been presented as demanded XXXX XXXX. See : Exhibit XXXX page XXXX A. Exhibit XXXX Page XXXX : "" QWR '' RESPA QUALIFIED WRITTEN REQUEST UNDER THE Federal Service Act


Date_received: Dated : XXXX XXXX
Product: XXXX To XXXX XXXX
Consumer_narrative: power of attorney
Complaint_ID: No
Subproduct:
 Via Certified Mail No. XXXX "" Notice to Principal is Notice to Agent. Notice to Agent is Notice to Principal '' XXXX Exhibit XXXX Page XXXX : Notice of Default of QWR Dated : XXXX XXXX

Issue:
 XXXX along with Notice of Errors ... Supported by Verified Statement with all the unresolved Title Issues and the many Laws violated.XXXX XXXX XXXX XXXX XXXX has failed to validate their authority as agent also XXXX XXXX XXXX "" Attorney In Fact for "" XXXX.

Subissue:
 and the Alleged Beneficiary '' '' NONE '' have presented or sent to the XXXX 's their verified affidavit of Assignment


Date_received: First American Title Insurance Agency is required to conduct an investigation
Product: and if your Agency fails to find probable cause
Complaint_ID: No
Subproduct:
 or fails to prosecute its licensee for discipline or fails to refer to the U.S. Attorney or local prosecutor for criminal action ... Then your Company is not only breaching the duties and obligation that were set forth when the agency was formed


Date_received: 03/04/2016
Product: Credit reporting
Issue: Credit monitoring or identity protection
Subissue: Problem with fraud alerts
Company_public_response: IN
Company: 479XX
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 03/04/2016
Company_response: Closed with explanation
Timely_response: Yes
Consumer_disputed: No
Complaint_ID: 1816540
Consumer_narrative:
 Input SSN is not issued by social security administration '' is on my credit report and I have a social from the Deferred Action. 
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings| Inc.


Date_received: 02/25/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company: it seems that Experian do n't obey CRA 's Laws
Complaint_ID: Yes
Consumer_narrative:
I requested many times before Experian to investigate Fraudulent claims, Re-aged, deleted items in my Credit Report, but Experian refused to do it using excuses such as, " my info do n't match '' "" i have to prove the accuracy of my personal info '' ; ( XXXX & XXXX never used similar excuses and completed the investigations i requested them to do ). Experian refused even to mail me my Annual Free Credit Report using similar excuses

Company_public_response:
 but they were willing to mail me or download my Credit Report for a fee of {$7.00}. As if is n't enough that Experian reports wrong items in XXXX % of Consumer 's Credit Reports

State:
 plus maximizing their profits by reporting Fictitious Negative items which are sold to many Companies for a high fee ( positive items make XXXX money )


Complaint_ID: Yes
Date_received:
I also found out that Huntington changed my account without my permission to a " Asterix free checking '' When I had a "" Huntington 5 account '' I found out I was using ATM and being charged fees also


Date_received: 02/19/2016,Credit card,,Transaction issue,,In XX/XX/XXXX
Complaint_ID: Yes
Product:
 a checked was bounced on me which caused my bank to bounce a check to Citicorp for payment on my credit card. I let them know in advance


Complaint_ID: Yes
Date_received:
This month I sent {$500.00} ahead of schedule on XX/XX/XXXX and as of XX/XX/XXXX it has yet to be posted to the account. Citibank says they are having to confirm the account


Date_received: 02/25/2016
Product: Credit card
Issue: Unsolicited issuance of credit card
Company: 2016. I explained to them that by "" me '' cancelling my card
State: this would effect my credit report negatively. And as this action
ZIP_code: the dissolving of the relationship between AMEX and XXXX
Submitted_via: is not of my personal doing
Date_sent_to_company: this should not effect me negatively. I asked AMEX to take the action from their side
Company_response: and close accounts that do not want any transfer of data/information
Timely_response: and they said this was not possible. This situation is quite unbelievable to me
Consumer_narrative:
I have recently received a letter from XXXX XXXX credit card stating that they will be dissolving their relationship with XXXX ( I currently hold the AMEX XXXX credit card ). They informed me that the account will automatically be converted to a XXXX XXXX XXXX. I called AMEX and asked that they " do not '' transfer any of my personal data or information to another financial entity ( XXXX in particular ). After speaking with various people at AMEX ( including supervisor XXXX )

Company_public_response:
 they informed me that the only way to stop the automatic transfer and the opening of the new account was for me to cancel my AMEX card before XXXX XXXX

Consumer_disputed:
 especially in this era of information confidentiality. The consumer is being forced to accept these conditions unilaterally

Complaint_ID:
 one would always expect "" opt out '' clauses in these situations. Please do all you can to stop this unacceptable practice. Thank you. 


Date_received:
03/01/2016,Debt collection,I do not know,Cont'd attempts collect debt not owed,Debt is not mine,I DO NOT OWE DEBPT WITH BANK OF AMERICA. I NEVER REQUEST AND/OR OWN ANY LOAN WITH BANK. THUS I NEVER GOT APPROVED FOR LOAN FURTHER


Date_received: 03/10/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
State: because of the land it was on. That is the only reason
Complaint_ID: Yes
Consumer_narrative:
I bought a manufactured home from XXXX XXXX XXXX.Veteran Housing Program : This Account was established in XXXX XXXX it was supposed to be a Veteran Housing Program, but I think it was just a scam to cash in on homeless veterans. Per our agreement, we were able to voluntarily surrender this manufactured home without negative consequences if for any reason I could n't make the payments. Now it 's showing 2 months passed due, but there was never an attempt to collect this debt. I spoke with XXXX in the Financing Dept. at XXXX XXXX XXXX ( XXXX ) XXXX and she stated that " this account should n't show a pass due balance and nothing is owed on this account '' and because of this I am being denied housing. I requested a letter regarding this fact and she declined stating that "" we do n't give out letters like that '' If you look at my credit report you will notice that this account was not reported until I exercised my option to voluntarily surrender

Company_public_response:
 this account should have been reported when we opened the account but was never reported until XX/XX/XXXX

Company:
 I paid on time until the day I surrendered and I never received any credit for the payment history. Also if you notice my credit report does n't reflect the purchase of real estate ever! Please re-investigate and correct or remove this erroneous error and update my credit file.I surrendered the home because I cound n't get refinancing after 2 years

ZIP_code:
 I loved that house and put in about {$25000.00} into the landscaping and up keep. I also have the the original receipts for payments that reconciled the account


Product: it was also used as a 1 ) benefit and 2 ) sale leverage for purchasing power
Complaint_ID: Yes
Date_received:
XXXX in the finance department and I discussed this at that time and agreed on a exit property date. I made that date and made the payments. I know that there are consequences when one does not fullfil a contractual agreement. It was like a double edged sword

Subproduct:
 that one of your top sales people offered. I understand that I was ignorant going into this deal but that 's no excuse. I really thought this was a XXXX American Veteran Housing Program


Date_received: 03/01/2016,Other financial service,Debt settlement,Excessive fees,,Beginning In XXXX of 2010
Product: Global Client Solutions
Subproduct: XXXX
Issue: XXXX XXXX
Company_public_response: nonetheless
Complaint_ID: Yes
Subissue:
 collected a total of XXXX dollars from us. They were supposed to settle some our debts as we paid them XXXX dollars a month.But when we could no longer afford to pay the XXXX dollars a month

Consumer_narrative:
 they would only refund us {$220.00}. They refused to give our money back. They are a bunch of crooks. I know this is a late complaint


Date_received: As it turns out
Complaint_ID: Yes
Product:
 they said my credit score was "" 614 '' ( very low ) and I then recieved multiple recommendations for loans and credit cards based on that very low score

Subproduct:
 all of which carried very high interest rates in the range of 23 % to 31 %. The low credit scores they showed that I had

Issue:
 made me reluctant to go to my local credit union for fear of them laughing me out of their office! But I prepared myself for a little embarrassment and went in anyway. Well

Subissue:
 to my surprise they ( credit union ) said that my credit score was over XXXX points higher at XXXX and I was able to get a personal loan at only 7.99 %!!! So the bottom line is that since they ( Credit Karma ) get paid by the lenders for recommending a particular loan


Date_received: 03/01/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Deposits and withdrawals
State: wait times to speak to Paypal 's fraud department were at least XXXX minutes
Submitted_via: and much of that time was spent simply waiting to talk to someone at Paypal. Furthermore
Company_response: who had received my name from Paypal
Complaint_ID: he started to threaten me
Consumer_narrative:
On or around XXXX XXXX 2016 someone used my Paypal account to make XXXX dollars in fraudulent charges against my checking account and credit card, maxing out my card and overdrafting my checking account, effectively leaving me with no money. I immediately canceled my card and had my bank place a stop payment on future Paypal transactions. I also informed Paypal of the fraudulent transactions. Some did n't go through because there was n't enough money in my account, and my bank issued temporary credits to cover the charges that did go through so I would n't be overdrafted and could access my money. Things seemed fine. Then, a few days later several new charges for thousands of dollars appeared in my checking account. Paypal later informed me that, whenever a transaction fails because there was n't enough money in the account to cover the transaction, Paypal automatically " represents '' the charges to the bank a few days later in an attempt to try again. Paypal did this despite the fact that I had already flagged the charges to them as fraudulent. My bank assured me that when the charges were done processing the stop payment would apply and my account would return to normal. But in the meantime

Company_public_response:
 while those charges were processing my account was again overdrawn and I had no access to any of the money in my checking account ( at a time when I needed to pay my rent ). And if I had n't thought on my own to place a stop payment they would have gone through

Company:
 using up the temporary credits ( and what if I had since placed more of my own money into that account? ). This is the primary reason for my complaint. Paypal knew the charges were fraudulent and tried to complete them anyway. Furthermore

ZIP_code:
 and on one occasion I waited for over an hour. I had to take the equivalent of a day and a half off of work to deal with this situation

Date_sent_to_company:
 Paypal failed to protect me from harassment. XXXX of the individuals to whom my checking account was used to make fraudulent payments

Timely_response:
 began contacting me. He tried to friend me on XXXX and after I refused his friend request he private messaged me on XXXX. At first he was n't up front about what he wanted

Consumer_disputed:
 then when I asked him directly he insisted I owed him money. After I repeatedly told him there had been a fraud and he should make a claim to Paypal


Date_received: 03/04/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
State: paid the money that I owed
Date_sent_to_company: is keeping me from opening a bank account
Complaint_ID: Yes
Consumer_narrative:
In XXXX 2013, I became a XXXX. During this time, my daughter and I shared an account through XXXX. During XXXX of my " XXXX '' I deposited some Mailbox Coupons into the XXXX account as cash

Company_public_response:
 I do n't even remember this happening : ( XXXX contacted me immediately and with the utmost embarrassment

Company:
 I went into the local branch to clear up my mistake. I received a lecture from an account representative

ZIP_code:
 and had the account closed. I was assured that because I resolved it immediately there would be no repercussions other than the sheer embarrassment of the situation in front of town 's people and my daughter

Submitted_via:
 I stopped XXXX. Here we are over 2 years later and I am working really hard to get my credit up and stick to a stringent budget. This is when I learn XXXX has reported "" XXXX '' on XXXX/XXXX/13 and the closure status is "" not reported. '' This is on my credit report


Date_received: 03/23/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company_public_response: a consumer reporting agency may not report negative information that is more than seven years old
Company: or bankruptcies that are more than 10 years old ''
Timely_response: and is skirting federal law by exploiting short
Complaint_ID: i.e. there is no consistency among the agencies
Consumer_narrative:
A Federal Tax Lien was filed against me in XXXX XXXX XXXX on XXXX/XXXX/XXXX, and was then paid and released on XXXX/XXXX/XXXX. I have disputed the continued reporting of this lien by Equifax several times on the basis of the FCRA 's statement that " Consumer reporting agencies may not report outdated negative information. In most cases

State:
 as well as multiple articles from credible sources such as XXXX ( run by XXXX ) that clearly state "" Once paid and released

ZIP_code:
 a tax lien must be removed seven years from the date it was filed. '' I spoke with an Equifax customer service agent who advised that their policy is to delete tax liens from credit reports after ten years from the date they were paid/released. I asked if there was someone I could speak to about this issue and she advised my only option was to write a letter to the Equifax Legal Department. Both XXXX have deleted the tax lien from my report. Although they are separate agencies

Submitted_via:
 they are all bound by the FCRA and federal law. On Equifax 's own website under the FCRA Summary of Rights

Date_sent_to_company:
 is this statement that the FCRA protects you by requiring consumer reporting agencies : "" Delete outdated information. In general

Company_response:
 negative information that is more than 7 years old ( 10 years for bankruptcies ) must be removed from your file. '' Equifax has created their own policy regarding the deletion of negative information such as tax liens

Consumer_disputed:
 vague phrases in the legal verbiage such as "" in general '' and "" in most cases ''. When credit reporting agencies are able to manipulate federal law and create their own individual policies that completely differ from XXXX another


Complaint_ID: No
Date_received:
5. Ocwen sent the letter from themselves to themselves therefore never being delivered to me. I have enclosed a copy of the letter as well as the tracking results I received from my local post office. This action by Ocwen is what has caused me to be rejected from the HAMP Tier 1 Home Loan Modification Program not any actions by me. Now Ocwen is once again attempting to foreclose on my property and the sale date is scheduled for XXXX XXXX


Date_received: 02/19/2016
Product: Bank account or service
Subproduct: Savings account
Issue: Account opening, closing, or management
Company_public_response: and despite the information on my account webpage stating that the accounts were linked
Complaint_ID: Yes
Consumer_narrative:
I opened a Rewards Money Market Savings Account with Bank of America. Upon opening the account, I was informed that a {$12.00} monthly charge existed unless certain conditions were met, including linking my savings account to a Bank of America Checking Account which I also have. I proceeded to follow the steps to link the accounts and confirmed on the Bank of America website that my accounts were linked. However, I noticed that my account was still being assessed the monthly maintenance fee. Upon calling Bank of America, I was informed by a customer service representative that the " linking '' of accounts occurs behind the scenes and is not customer initiated. I was informed that I had only "" linked '' the accounts for overdraft protection

Company:
 they were not linked for purposes of waiving the monthly maintenance fee. I was further informed that I could not see from the website whether or not my accounts were "" linked '' for purposes of waiving the monthly fee. Please be aware of this misleading a deceptive practice by Bank of America. While it cost me a relatively small amount


Complaint_ID: Yes
Date_received:
03/01/2016,Debt collection,Non-federal student loan,Communication tactics,Frequent or repeated calls,They have already called 5 times today and once at XXXX ( which is out of the time limit warranted ). It becomes very frustrating and I 'm not able to answer when I 'm at work


Date_received: 03/18/2016
Product: Credit card
Issue: Billing disputes
Company_public_response: {$410.00} in payments were made
Complaint_ID: Yes
Consumer_narrative:
This complaint arises from a dispute in the way the payments were applied to my Capital One card. My concerns are in reference to Credit Card Accountably Act " Require that payments above the minimum payment be applied to balances with the highest interest rates first '' This is sample of billing statements from my Capital One account Statement XXXX XXXX - XXXX XXXX 2010 Interest charge calculation Balance subject to interest interest charge Purchases 18.90 % {$860.00} {$13.00} Cash 22.90 % {$730.00} {$14.00} Statement XXXX XXXX - XXXX XXXX 2010 Purchases 18.90 % {$830.00} {$12.00} Cash 22.90 % {$720.00} {$12.00} Statement XXXX XXXX - XXXX XXXX 2010 Purchases 18.90 % {$800.00} {$12.00} Cash 22.90 % {$700.00} {$13.00} Statement XXXX XXXX - XXXX XXXX 2010 Purchases 18.90 % {$730.00} {$11.00} Cash 22.90 % {$710.00} {$13.00} During the time frame of these XXXX statements


Date_received: 02/19/2016
Product: Debt collection
Subproduct: Non-federal student loan
Issue: Communication tactics
Subissue: Threatened to take legal action
Company: Federal student loans
ZIP_code: certificate
Consumer_disputed: so the criteria ( qualifying school
Consumer_narrative:
I got a loan in XXXX from XXXX XXXX XXXX that was then sold ( assigned ) to XXXX XXXX XXXX XXXX XXXX XXXX. I was approved for a loan called an " XXXX XXXX XXXX XXXX XXXX ''. The amount of the loan was {$20000.00}. There was a loan origination fee of {$1800.00}. The Note Disclosure Statement lists the total finance charges at {$49000.00}

Company_public_response:
 with payments totaling {$69000.00}. I have since paid back over {$10000.00} of this loan but due to financial hardship was unable to continue making payments in XXXX. I wanted to reach a reasonable payoff amount but debt collectors demanded amounts in the {$23000.00} range. I am now being sued for {$27000.00}. I have credit card debt

State:
 and no income. I feel that my only course of action may be bankruptcy. Only after I was served with the lawsuit did I begin to conduct research and I discovered that according to the Internal Revenue Code I was not a qualified student at the time I was given the loan. A taxpayer is an eligible student if he is enrolled at least half-time at a XXXX institution and is seeking a degree

Submitted_via:
 etc. IRS Code : 26 U.S.C. 221 ( d ) ( 3 ) ( referencing 26 U.S.C. _25A ( b ) ( 3 ) ( requiring the student fulfill the requirements of _484 ( a ) ( 1 ) of the Higher Education Act of 1965 ( 20 U.S.C. _1091 ( a ) ( 1 ) I was enrolled in classes at XXXX XXXX XXXX XXXX XXXX XXXX school. This is only part of a XXXX college district

Date_sent_to_company:
 and offers classes in things like woodworking and retirement planning and these classes do not carry college credit. I submitted proof of enrollment in this school when I applied for the loan

Company_response:
 but this school was not a qualified school that met the criteria for an education loan. I was not enrolled in a program that would lead to a degree or certificate. When I submitted my documentation in XXXX

Timely_response:
 I was led to believe that the classes I was enrolled in were sufficient. My tuition costs were only a few XXXX dollars. I believe this loan was given to me because the lender knew that I would have no recourse if I were to default

Complaint_ID:
 qualified student ) were overlooked in order to get me into a more binding loan agreement. It was obviously in their favor to offer me this loan rather than a personal loan. 


Subproduct: Federal student loans
Subissue: certificate
ZIP_code: so the criteria ( qualifying school
Date_received:
02/19/2016,Debt collection,Non-federal student loan,Communication tactics,Threatened to take legal action,I got a loan in XXXX from XXXX XXXX XXXX that was then sold ( assigned ) to National Collegiate Student Loan Trust XXXX. I was approved for a loan called an "" XXXX XXXX XXXX XXXX XXXX ''. The amount of the loan was {$20000.00}. There was a loan origination fee of {$1800.00}. The Note Disclosure Statement lists the total finance charges at {$49000.00}

Product:
 with payments totaling {$69000.00}. I have since paid back over {$10000.00} of this loan but due to financial hardship was unable to continue making payments in XXXX. I wanted to reach a reasonable payoff amount but debt collectors demanded amounts in the {$23000.00} range. I am now being sued for {$27000.00}. I have credit card debt

Issue:
 and no income. I feel that my only course of action may be bankruptcy. Only after I was served with the lawsuit did I begin to conduct research and I discovered that according to the Internal Revenue Code I was not a qualified student at the time I was given the loan. A taxpayer is an eligible student if he is enrolled at least half-time at a XXXX XXXX institution and is seeking a degree

Consumer_narrative:
 etc. IRS Code : 26 U.S.C. 221 ( d ) ( 3 ) ( referencing 26 U.S.C. _25A ( b ) ( 3 ) ( requiring the student fulfill the requirements of _484 ( a ) ( 1 ) of the Higher Education Act of 1965 ( 20 U.S.C. _1091 ( a ) ( 1 ) I was enrolled in classes at XXXX XXXX XXXX XXXX XXXX XXXX school. This is only part of a XXXX college district

Company_public_response:
 and offers classes in things like woodworking and retirement planning and these classes do not carry college credit. I submitted proof of enrollment in this school when I applied for the loan

Company:
 but this school was not a qualified school that met the criteria for an education loan. I was not enrolled in a program that would lead to a degree or certificate. When I submitted my documentation in XXXX

State:
 I was led to believe that the classes I was enrolled in were sufficient. My tuition costs were only a few hundred dollars. I believe this loan was given to me because the lender knew that I would have no recourse if I were to default

Complaint_ID:
 qualified student ) were overlooked in order to get me into a more binding loan agreement. It was obviously in their favor to offer me this loan rather than a personal loan. 


Product: Inc."
Subproduct: ME
Issue: 04354
Consumer_narrative: N/A
Company_public_response: Postal mail
Company: 03/03/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Date_received:
03/01/2016,Credit reporting,,Incorrect information on credit report,Account status,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Complaint_ID: Yes
Date_received:
The issue is that they are reporting different late payments to different credit bureaus. Because they are conflicting information there is no way for it to be accurate. If XXXX bureau has accurate information then the other bureau which has conflicting information must be inaccurate. They refuse to investigate or provide any documentation to me. My first request was made under the authority of Section XXXX of the fair credit reporting act and was sent certified mail track # XXXX which was received by them on XXXX XXXX


Product: XXXX XXXX XXXX
Complaint_ID: Yes
Date_received:
On XXXX XXXX, XXXX I obtained information from Experian, XXXX and XXXX that states my FICO score is negatively impacted by " your mortgage or non-mortgage installment loans ''. My wife


Subproduct: which hyundai would be unaware of
Subissue: which was not to be stored in their system
Complaint_ID: Yes
Date_received:
Despite me providing Transunion and Experian with documentation from the Federal government and additional XXXX pages of proof regarding fraudulent accounts they continue to allow the creditors to report fraudulent information. Specifically of concern XXXX XXXX XXXX. I have provided information that this is my mother 's account. Sending the Registration

Product:
 and Insurance documents. XXXX providing information that this car is garaged at her home address "" a senior housing complex '' XXXX continues to report that I am a cosigner on this account the most compelling evidence

Issue:
 is that I am a victim of identity theft which left me unable to obtain any type of loan. My credit score being XXXX left main financially and economically paralyzed. I am devastated by what XXXX XXXX XXXX has done after me being a victim of identity theft I have been revitalized by XXXX XXXX XXXX. This is my mother 's car. I did pay this account to help my mother which was my prerogative. I did not authorize XXXX XXXX XXXX to keep my information in their system. XXXX XXXX XXXX continues to list me as a co signer on this account which is mind boggling. More disturbing is transunion has the factual information that this is not my account. The reckless and destructive reporting by XXXX XXXX XXXX to the credit bureau is beyond comprehension. I did make payments on this account for my mother 's car. At no point in time did I allow XXXX XXXX XXXX to keep my information on file. I have found out XX/XX/XXXX they have used my banking information

Consumer_narrative:
 to take an unauthorized payment out of my account. XXXX XXXX XXXX can not substantiate a co signer on this account .There is no supporting documentation stating I am a cosigner XXXX deleted XXXX XXXX XXXX XXXX from my account however I have been disputing this with XXXX and TransUnion for a year. Being a victim of massive identity theft and fraud and dealing with the credit bureaus actions has affected me in a way that I can not even begin to express. Dealing with the credit reporting agencies is being subjected to continued abuse for me. It is unfathomable


Complaint_ID: Yes
Date_received:
03/01/2016,Credit reporting,,Credit reporting company's investigation,Problem with statement of dispute,had requested Transunion to investigate a credit inquiry for XXXXbank dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXXbank. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA


Date_received: 02/25/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Shopping for a loan or lease
Company_public_response: continue
State: my score went down to XXXX 's! I called the local Wells Fargo
ZIP_code: complained
Submitted_via: irate and mad and explained what happened. There was nothing they could do
Date_sent_to_company: since it was online. At that point I thought do I just go in and see what they can do
Company_response: or take the hit on my report and go some where else. I was mad and did not want to use them
Consumer_narrative:
I have been working on my credit and fixing it for over a year, to refi my car loan with XXXX XXXX that had a huge intrest rate. I got my credit to a XXXX and was ready to start looking to refi. Well I am a Wells Fargo customer and have had over XXXX in my account for months, credit card with them, saving etc. I got an email from them stating " good news since your good standing with us you have been approved for a refi car loan with us! '' I was happy and started the loan app online. Right when it said at the end

Company:
 submit or save for latter I hit the "" save for latter '' button due to wanting to talk it over with my Husband first before continuing. Well the next day I got a notification that a hard inquiry hit my credit. I looked it up and it was Wells Fargo! I was so mad

Timely_response:
 after they checked my credit with OUT my authorization! I went in and since it was already a hit and checking to see if I would qualify. I got a letter XXXX weeks latter stating that my credit was too low

Consumer_disputed:
 and had to many collections ( I had not one thing in collections! ) So not only did they check my credit with out my consent

Complaint_ID:
 they fooled me into thinking I was already approved and lured me into filling out an app ( even though I did not hit continue ) its still pulled a hard pull and my credit dropped


Product: Inc."
Subproduct: FL
Issue: 331XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 03/01/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
,Company believes complaint caused principally by actions of third party outside the control or direction of the company,Dyck-O'Neal


Date_received: 03/24/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company_public_response: make the minimum payment on my mortgage
Complaint_ID: Yes
Consumer_narrative:
I noticed while reviewing my mortgage statement with Ditech, XXXX XXXX XXXX, a line called 'Unapplied Amount '. I overpay my mortgage every month. Apparently, this company takes any additional money I mail in for my mortgage, and allocates it to a non-interest bearing account, where it sits indefinitely. Why would I mail money to a mortgage company that does not get applied to the mortgage? Their response is, " You did n't indicate what you wanted us to do with the money. '' What I want them to do is pay my mortgage. How is it legal that they can allocate the extra money I send for my mortgage into a non interest bearing account


Subproduct: for no good reason
Complaint_ID: Yes
Date_received:
The sole purpose of this 'scheme ' of not paying my mortgage with the money I send them is to extend the amount of time I spend paying the mortgage

Product:
 and prevent me from paying it off early. Why would an account like 'unapplied amount ' even exist? Except to criminally hold my money


Subissue: "" We have verified that this item belongs to you. '' I was finally connected by XXXX XXXX XXXX
Consumer_narrative: Executive Customer Relations
Company_public_response: XXXX
Company_response: XXXX. From there
Timely_response: in XX/XX/XXXX
Consumer_disputed: I moved with my wife to XXXX
Complaint_ID: XXXX. In the meantime
Date_received:
03/18/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,In XXXX XXXX

Product:
 I was notified by XXXX that they were canceling my long-term credit relationship because of information contained in my credit bureau file. After having a long history of good credit

Subproduct:
 this concerned me enough to have my credit report pulled by all three agencies. XXXX was the only bureau that was accurate. Equifax and XXXX both recently reported a collection item from XXXX XXXX XXXX ( creditor was XXXX XXXX ). Since I have never had an account with XXXX

Issue:
 I tried to get resolve it via phone conversations. I was bounced between the Collection agency and the creditor with no resolution. I then wrote letters to both credit bureaus via Certified Letter. I got a letter back from Equifax ( Confirmation # XXXX ) saying

Company:
 Northeast Division. XXXX XXXX asked for my social security number and agreed it did not match the account. However

State:
 he said he "" reached out to my identify theft department ; while our skip tracing does place you at the account

ZIP_code:
 this may be a case of identify theft. '' Apparently the cable account was established at an address I had previously lived at with my ex-wife XX/XX/XXXX and XX/XX/XXXX. I moved out in XX/XX/XXXX and moved to XXXX XXXX XXXX

Submitted_via:
 XXXX ( later changed to XXXX XXXX XXXX XXXX XXXX XXXX 's XXXX system ). I strongly believe the XXXX credit bureaus started blending my file at that point because the XXXX XXXX address plus new addresses I have never established nor lived at started appearing on my credit reports. FACTS : 1 ) I have NEVER had an account with XXXX ... at any location! 2 ) I have not lived at XXXX XXXX XXXX

Date_sent_to_company:
 XXXX since XX/XX/XXXX and this account was apparently established way after that time period. XXXX ) I have never established nor lived at any address in XXXX after XX/XX/XXXX other than XXXX XXXX XXXX


Date_received: 02/19/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: FL
ZIP_code: 327XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 02/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am XXXX yr old widow with XXXX XXXX. In XXXX XXXX when my husband died, I no longer had anyone to be a Rep Payee on my SSA account. I became my own person in charge again. I opened account for my SSA monthly direct deposit at Wells Fargo -- just for ATM to pay groceries, credit card with XXXX because I pay off balance at end of month, mobile phone, electric, and internet & misc. I have to file annual expense for SSA of how I spend the benefits. Wells Fargo manager told me I had to have savings and credit card and direct deposit to have free checking. She lied. I only need {$500.00} + direct deposit per month. After they deducted {$30.00} from savings, I closed it. I have never used Visa card. XXXX XXXX, my identity was compromised. This is 2nd time. I alerted FTC and credit bureaus. XX/XX/XXXX I got my XXXX digit code to over ride the lock on my personal assets. It is good for 6 months, not the normal 90 days because of my XXXX and extent of theft. Wells Fargo has stopped sending me paper statements XX/XX/XXXX. I had to add it as an option ever month online tyhey told me but I never got them at PO Box . I get promotions there and services they offer, but no statements. I get ATM cards, but no statements. I had alerts on my phone but they stopped because they said my password expired. I went to branch ( I do n't drive ) and they said since I did n't have ATM, they could n't help me. It was an online issue. I used my ATM on XX/XX/XXXX, for less than {$20.00} ( I have over {$2000.00} in account ), the cashier approved and took my card. I kept receipt. I called Wells Fargo and they said it was reported it stolen. Who the heck reported it stolen? They stopped a payment to my internet provider and I paid it from credit union account. They sent me notice I had payment due on credit card. I have never used I. I called them at local branch and the teller laughed. I told her I did n't think it was funny since I was ID theft victim and they were n't helping by not sending statements. She said she was laughing at a joke. I said well it 's not professional when you are on phone especially when I am locked out of my account, have my ATM taken from me, and you send me emails that I have no access to my account or alerts. Then 5 minutes later send email saying my statement is ready for online viewing? I called SSA and changed firect deposit to my credit union. They have been very helpful with alerts, changes to online accounts & emails due to hacking from ID theft. I have made XXXX trip in person to redo everything on my account with them. Wells Fargo says they cant do online problems or update account info. Their credit card is NOT listed on my credit report either which I never addressed with them but I ' am intimidated by a FDIC bank that HAS my money stops payments at random, never contacts me and changes passwords & deletes personal info and options LIKE PAPER STATMENTS. Please help.


Product: XXXX and XXXX XXXX XXXX because they did not send the card. Now
Complaint_ID: Yes
Date_received:
So I called the customer service and asked to send new debit card to the branch of HSBC XXXX, closer to my residence. ( HSBC propaganda is this : " If necessary we send new card where you are ... anywhere in the world '' ) Informed the address of the branch and the manager 's name in XXXX different calls to the customer service on XXXX


Date_received: As the card requested for branch HSBC XXXX was not enough
Complaint_ID: Yes
Product:
 I decided to send money to people on my mailing address for them to send me the card that arrived on XXXX. When they are ready to send

Subproduct:
 comes another card on XXXX. So these XXXX cards are sent to my address in XXXX by XXXX and I paid {$36.00}. The cards come to my house at XXXX. When I try to activate this card in customer service


Date_received: I WAS EXACTLY ONE MONTH
Product: WITHOUT MY DEBIT CARD
Complaint_ID: Yes
Subproduct:
 unable to pay my bills in the XXXX and especially unable to withdraw money in XXXX for my expenses fault of disorganization

Issue:
 negligence and / or incompetence and arrogance of the office staff cards HSBC Legally what Can I do based on the Consumer Rights. A branch of my account is in XXXX


Date_received: On the site below are XXXX Consumer Complaints & Reviews
Product: almost all making serious criticism of HSBC
Subissue: in XXXX XXXX
Consumer_narrative: XXXXXXXX ) since XXXX XXXX which keep part of my investments in the XXXX. I am not
Company_public_response: therefore
Company: an XXXX citizen
Complaint_ID: Yes
Subproduct:
 which strengthens my complaints XXXX additional important information. I am XXXX ( XXXX XXXX XXXX )

Issue:
 I live in XXXX and spend one month a year in the XXXX to solve problems with the bank. Have an account in HSBC XXXX XXXX XXXX XXXX branch


Complaint_ID: Yes
Date_received:
I look forward to your reply Thanks and regards XXXX XXXX XXXX XXXX Phone XXXX ( XXXX ) XXXX - XXXX : XXXX


Complaint_ID: Yes
Date_received:
03/05/2016,Money transfers,Domestic (US) money transfer,Other service issues,,I use PayPal to send virtual currency to friends and family


Complaint_ID: Yes
Date_received:
Each time I attempt to begin an online dispute, upload supporting documents, or gain access through a third party credit monitoring subscription program, Experian redirects me to a message stating " for security purposes we ask that you mail us your documents along with a government issued ID


Product: accounts to claim full responsibility on
Subproduct: account information to correct
Complaint_ID: Yes
Date_received:
That message is getting extremely intolerable for me and I have my personal contact information to update


Product: Inc."
Subproduct: CA
Issue: 92336
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/05/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/05/2016,Credit reporting,,Incorrect information on credit report,Account status,,Company believes complaint caused principally by actions of third party outside the control or direction of the company,Credit Karma


Date_received: 02/25/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Settlement process and costs
State: it was too little
Complaint_ID: Yes
Consumer_narrative:
Working with Titan Title in XXXX during the closing on the sale of my house was challenging, to say the least! Careless errors, excessive charges, rude and unprofessional employees, and multiple document changes made for a less than pleasant experience. Not only did they charge me {$770.00} in unpaid taxes on a property that I did n't own ( sloppy and careless work ; it was a different address than the house being sold! ), there were hundreds of dollars that would not have been charged with a XXXX XXXX XXXX XXXX. The lender had required that we use Titan Title in XXXX, although the property being sold was located in XXXX. Since there were several charges that our XXXX XXXX XXXX XXXX do not require, we asked that Titan charge at the local rates where the home was located. They refused. Unnecessary charges doubled the amount of my closing costs ( survey instead of a mortgage inspection certificate with a difference of {$320.00}, adjusted to difference of {$200.00} ; bankruptcy search {$80.00} even though my credit score is in excess of XXXX and the house had no mortgage ). When the property tax error was pointed out, they responded with " oops! '' and did n't even apologize. Although my experience with title companies is limited

Company_public_response:
 even my realtor said she had never had such a negative interaction with any closing or encountered such rude and unprofessional behavior. After 5-6 revisions in the closing documents

Company:
 one last document had to be signed after the closing was completed. The manager of Titan Title called to request a final signature so I had the opportunity to share my complaints with her. She apologized ; unfortunately


Complaint_ID: Yes
Date_received:
In any case, the collection agency has gone around the federal bankruptcy court, ignored the orders of the trustee ( again, assuming they had a valid claim ) and now tried to " reset '' the clock for a bill that was incurred XX/XX/XXXX


Date_received: 03/15/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX i followed the instructions to get a free transunion/fraudsrights reading of my credit report as i have been a victim of identity fraud. i followed their notice to me and soon became immersed ina veritable morass of on line impossibility. ultimately i had to decide on a {$1.00} payment to get such a reading of my credit report. after i had done so i immediately cancelled any furture use of transunion. witin 30 minutes i received an email stating that i owed them {$2900.00}. i called transunion plus to contest this billing. i was told to speak to a supervisor who told me TOO BAD i had to pay the bill. here i am the victim of identity fraud being victimized by those who were " there to help. this is so unacceptable i ca n't believe it. I have done do dillenge including filing a police report

Company_public_response:
 etc. i have told my bank to not accept the transunion charge. i am writing to my congresswoman and personal friend


Product: LLC"
Subproduct: AL
Issue: 35022
Subissue: Servicemember
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/10/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/10/2016,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt is not mine,,,Capio Partners


Date_received: 02/20/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: around XXXX 2015
Complaint_ID: Yes
Consumer_narrative:
Loan originally through XXXX XXXX XXXX, loan was modified through XXXX XXXX XXXX. XXXX XXXX XXXX had an incentive if I paid my loan timely for five years up to {$1000.00} per year would be applied back to my balance. I paid timely the entire five years. Then the loan was sold to Greentree Servicing who reflected the " pay for success '' incentive on my quarterly statements. then they sold the loan to Ditech


Complaint_ID: Yes
Date_received:
03/05/2016,Debt collection,Medical,False statements or representation,Attempted to collect wrong amount,AllianceOne lists XXXX bills in collection for XXXX debt greatly impacting my credit score. When contacted to dispute the accuracy

Product:
 they refused to remove the duplicate items. They list almost {$1000.00} in XXXX separate medical debts from XX/XX/2011


Date_received: 03/18/2016
Product: Debt collection
Subproduct: Credit card
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company_public_response: it has been more than 30 days and neither parties have responded in writing and neither party has
Company: amongst themselves
Complaint_ID: Yes
Consumer_narrative:
On or about XXXX XXXX, 2016, our offices submitted a written request for Verification of Debt and Pay-Off Demand to XXXX XXXX XXXX XXXX, who is listed on the Recorded Creditor Judgement as the Plaintiff counsel for Asset Acceptance. On XXXX, 2016, we called the firm for status and left a voicemail ; no response.On XXXX XXXX, 2016, we called The XXXX Law Firm and spoke to XXXX XXXX who stated the account was closed for their efforts and they needed to contact Asset Acceptance for permission to collect or further instructions. On XXXX XXXX, 2016, we called back into The XXXX XXXX Firm for status ; no one was available so our offices left a detailed message for status and call back. Minutes later, XXXX from The XXXX XXXX firm called back with an update that our offices are to contact Asset Acceptance directly at XXXX. That same day, we called into Asset Acceptance and faxed over our third party authorization. On XXXX XXXX, 2016, our offices spoke to Asset Acceptance Rep XXXX who indicated the law firm, The XXXX Law Firm, has the assigned duty to collect and negotiate the debt. She indicated the response to our Verification and demand will have to be managed by the law firm and not their offices.On or about XXXX XXXX, 2016, our offices submitted a SECOND REQUEST for Verification of Debt and Pay-Off Demand. We called back into the The XXXX Law firm and left a detailed message for the Rep XXXX XXXX regarding Asset Acceptance stating their offices must handle. Received a return call from Rep XXXX XXXX and once more he referred this office back to Asset Acceptance. Advised him this office would not continue to be " ping-ponged '' back and forth by their office and Asset Acceptance as both have been put on constructive notice to produce the Verification of Debt and the Pay-Off Demand


Date_received: 02/20/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
 Lender live '' is the mortgage company for my rental home. On XXXX XXXX my home was damaged by vandalism. The insurance company covered the claim and sent a check made out to myself and the mortgage company. I endorsed the check and mailed the check certified mail to Lender live. Lender Live received the check on XXXX XXXX| 2016. I never received any correspondence from lender live. I called " lender live '' multiple times| and I finally reached them on XXXX XXXX. Lender live said I needed to send a " statement of loss '' from XXXX before they would respond to my request to release the check back to me. I faxed the statement of loss to lender live on XXXX XXXX. Lender live claimed that never received the fax. After many phone calls| " lender live '' found the fax and said that they needed to inspect the property| and I would hear from them in 7 to 10 days. Ten days passed and I never received correspondence from them. On XXXX XXXX| I called them again and spoke to customer service rep XXXX. XXXX said that the department that handles the checks| " loss and drafts '' requested more paperwork. I asked XXXX when lender live or their department called " loss and drafts '' were going to contact me about the more paperwork. XXXX said that " loss and drafts '' do not correspond with customers. I asked if I could call them. XXXX said no| they do not receive calls or send out calls. 
XXXX stated that she would send another message to " loss and drafts '' to request what was needed| but she did not know how or when I would hear back from them. From the start of the process I have never received any correspondence from lender live. Lender live has a department that is holding a {$21000.00} check. This department does not correspond with customers ; however requires correspondence with customers to release my check. This is an unfair practice to customers and is costing me {$1500.00} a month in lost rent since I am waiting for " lender live '' to releases my check. 

I filed a complaint with XXXX about Lender Live. Two days later I received a letter from lender live stating my mortgage had been transferred to a new mortgage company and I would have follow up with them concerning the insurance check. 
,Company believes the complaint is the result of a misunderstanding,Lender Live,CA,956XX,,Consent provided,Web,02/20/2016,Closed with explanation,Yes,No,1796168
03/24/2016,Debt collection,Payday loan,Communication tactics,Threatened to take legal action,,,CNG Financial Corporation,WI,54935,,N/A,Referral,03/25/2016,Closed with explanation,Yes,No,1849033
03/05/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,,,Equifax,IN,46202,Older American,Consent not provided,Web,03/05/2016,Closed with explanation,Yes,Yes,1816797
02/20/2016,Bank account or service,Checking account,Making/receiving payments| sending money


Product: when they posted that last XXXX
Subproduct: it put me over the limit
Complaint_ID: Yes
Date_received:
While trying to figure out how to fight the lawsuit, I XXXX XXXX " lawsuits against Discover Card '' and found the Joint Consent Order Docket # XXXX ; FDIC XXXX & XXXX XXXX. I read how DC was supposed to automatically refund their customers for the "" safety products '' without anyone contacting for reimbursement or reduce the amount from amount owed. I was never notified that there was a lawsuit against DC and I was never reimbursed for the deceitful business practices by DC. I remember calling DC every month to stop charging me for these "" safety products '' but they never did. Finally


Date_received: Early on
Complaint_ID: Yes
Product:
 DC also habitually charged late fees of {$39.00} even when I was n't late. I realize that they were doing this until after about a year of helping my mother-in-law when she passed away from XXXX. I called DC many times during my lunch break to have the late fees reimbursed. The refused. Finally


Product: so I still do n't know how much more they owe me. Also
Complaint_ID: Yes
Date_received:
I asked for copies of my statements that were blocked from me by DC and asked them to go back as far as XXXX. They went back to XXXX but some of the months were missing

Subproduct:
 every time I filed papers in court I had to pay fees ( I did n't have a lawyer because I am a widow since XXXX/XXXX/XXXX and am on a limited income ). The judge did tell me that DC had the burden of proof to show the court that I owed {$14000.00}. The court date was scheduled for XXXX/XXXX/XXXX. A week before the court date

Issue:
 their attorney tried to get me to sign an agreement that I would n't sue DC and not to tell anyone about the agreement

Subissue:
 etc. I asked if DC would improve my credit report because my credit was in the toilet but their attorney was n't very encouraging. The more I thought about it

Consumer_narrative:
 the more upset I was getting. So I contacted their attorney and told them : "" DC could n't follow a Federal Court order

Company_public_response:
 why would you think that they follow an agreement signed by me? I will see you in court! '' ( I did n't sign it. ) The day before the court date


Complaint_ID: Yes
Date_received:
I believe they owe me for all the safety products that I did n't ask for {$550.00} - could be more since some statements were missing ; late fees ( approximately a year worth= {$460.00} ) ; over the limit fees {$110.00} which was their own fault for charging the fees in the first place ; all the court fees I paid = {$550.00} ; not to mention the toner


Date_received: They never did send me the application I signed
Complaint_ID: Yes
Product:
 because if they had I am pretty sure that it did not say that "" someday DC will charge you 29.99 % ''. Because if it had


Complaint_ID: Yes
Date_received:
We discovered this when we were trying to resolve past due payments for which we had never received a bill

Product:
 neither online nor hardcopy ( though online is our stated preferred method ). Seems to me that this is a fee easily overlooked by Macy 's customers and therefore a clever way ( in my opinion ) for Macy 's to cover the cost of credit card shopping. I certainly agree that people should review their bills every month


Product: I have received over 50 calls from this number XXXX. When I pick up the phone
Subproduct: the call is IMMEDIATELY disconnected. I started ignoring their calls
Subissue: I am placed on hold for 20 minutes and was never connected to a person
Complaint_ID: Yes
Date_received:
03/05/2016,Debt collection,I do not know,Communication tactics,Frequent or repeated calls,Over the past two weeks

Issue:
 however they continue to leave voicemails that are one second of silence. I had no idea who they were or why they were calling me. When I attempt to call them back


Product: no actual phone messages
Subproduct: I do n't know why they are calling me. If i indeed owe them money
Issue: they are not letting me know who they are
Subissue: how much I owe
Complaint_ID: Yes
Date_received:
I looked the phone number up online and discovered the company was North American Recovery. I have received no mail communications


Complaint_ID: Yes
Date_received:
On XXXX XXXX, XXXX, I made a phone call to Capital One, having arrived back to the US, in an effort to make an electronic payment to my credit cards. The representative at first said I would make a payment of {$48.00} and that would have been satisfactory until the XXXX, which is when I get my paycheck to pay off the rest. Then, the representative said I was 120 days late and Capital One would lock my account. The representative was a bit " wishy-washy '' and was not specific. It caused me a great deal of confusion. There was no extension to work with my account issues and I was afraid even if I made a payment


Date_received: 03/10/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Complaint_ID: Yes
Consumer_narrative:
DT received a insurance lease gap payment final date XXXX/XXXX/XXXX from XXXX due to accident XXXX/XXXX/XXXX Claim XXXX, after final payment was received I spoke with a gentleman at DT that advised all accounts were closed and removed from CBR which was confirmed once all XXXX CBR had DT closed, XX/XX/XXXX I received a letter advising of such Balance of {$1700.00} with a settlement request. I spoke with a female rep from DT ( XXXX ) XXXX that advised indeed what the gentleman advised was correct and account will be removed out of collections and no more correspondence would be received. Letter dated XXXX/XXXX/XXXX advises another attempt to collect ( XXXX letter a year- failed at due diligence and collection attempts ) Account Manager advised no there were no notations advising of what each rep advised but noted that I contacted. Transferred to a " manager '' advises that same. I advised her to pull the call and she advised she COULD NOT


Date_received: I contacted DT XXXX back on XX/XX/XXXX and was advised the same thing
Product: that they have not reviewed the calls yet and I could settle. I advised the rep who was not XXXX
Complaint_ID: Yes
Subproduct:
 that they should call me back after they reviewed the calls so they could finally resolve my issue besides trying to get me to settle on said balance that was supposedly "" paid in full '' advised by XXXX of their reps. The XXXX rep advised that I had requested on XX/XX/XXXX to place a Cease and Desist on my account

Issue:
 this in fact was false and advised her to remove it because why would I request to place a C & D on my account when my issue has not been resolved. As well as advised her to review that call

Subissue:
 because placing a C & D on someone 's account is not legal without their authorization and working with Charged Off Private Loans


Product: Inc."
Subproduct: CA
Issue: 95628
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/18/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/18/2016,Credit reporting,,Incorrect information on credit report,Account status,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 03/15/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Taking out the loan or lease
Company_public_response: kept demanding balance in full before verifying validity of debt. He was very argumentative
Company: denying me speaking to someone else
State: denying request for validity of debt. Verified wrong address
Submitted_via: was over talking me
Date_sent_to_company: I could n't believe a person representing this company speaking to me in the tone he did
Complaint_ID: Yes
Consumer_narrative:
I spoke to Aldous & Associates " Attorneys at Law '' I have been getting harassing calls since XX/XX/2016.. Today I called in wanting to inquiry the validity of the debt requesting more information man named XXXX identified himself as the supervisor was very rude

ZIP_code:
 would n't let me discuss kept saying well that 's what fit for life sent us. XXXX also denied me speaking to another supervisor


Date_received: 02/20/2016
Product: Credit card
Issue: Payoff process
Company_public_response: I scheduled a payment in full for XXXX/XXXX/2016
Company: which was within the payment period of due date XXXX/XXXX/2016. Prior to XXXX/XXXX/2016
Complaint_ID: Yes
Consumer_narrative:
Around 18 months ago, I took out a " direct deposit '' from my Bank of America credit card that carried a XXXX % deposit fee and 0 % APR for 18 months. The promotional period ended XXXX/XXXX/2016. I made minimum payments for 18 months and after receiving my XXXX/XXXX/2016 bill

State:
 I contacted Bank of America to inquire when my promotional interest rate was ending. I was not told by the XXXX that I would have to pay my balance in full by XXXX/XXXX/2016 to avoid any interest charges. On XXXX/XXXX/2016

ZIP_code:
 I received my Bank of America statement reflecting a {$100.00} interest charge. When I called Bank of America to contest the fee

Submitted_via:
 I was told that I should have known that I needed to pay in full by XXXX/XXXX/2016 because that is the date the promotional APR ends. I believe that this is a deceptive tactic

Date_sent_to_company:
 because at no point did Bank of America make it clear that I would have to make a full payment on or before XXXX/XXXX/2016 to avoid interest charges. Whenever I use a credit card


Date_received: 03/06/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Complaint_ID: Yes
Consumer_narrative:
I received a XXXX XXXX for {$160000.00} from Real Time Resolutions , Inc. ( " RTR '' ) for a foreclosure on a lot in XXXX XXXX Florida I purchased in XXXX. XXXX XXXX XXXX held the interest-only mortgage at the time of the foreclosure in XXXX at which time they issued a XXXX stating the principal balance was {$230000.00} and the XXXX of the property was {$34000.00}. At the time of the purchase XXXXs own appraiser appraised the property for {$250000.00} and lent me and a partner {$230000.00} ( 95 % ). They then transferred the loan to a XXXX XXXX XXXX spin-off XXXX who sold the loan to RTR who is now sending me a XXXX. They did not send one to my 50 % partner who signed the mortgage docs and sent me a XXXX for the total amount. I contend that XXXX was my lender and they should send me the XXXX which should be for no more than half the amount due. Also


Date_received: 03/15/2016
Product: Credit card
Issue: Other
Company_public_response: I believe. In XXXX
Submitted_via: TWO EXTRA YEARS of payments approx {$3600.00}
Timely_response: XXXX XXXX
Consumer_narrative:
In XXXX, I opened a " healthcare '' acct with Chase with promotional financing. They closed that portion of their business in XXXX

Company:
 I managed to finally pay off the entire amount before the end of my "" promotion. '' A few months later

State:
 I was cleaning my office and found my very first statement from that account. I went online to look at the rest of my statements and could only go back to XXXX XXXX. I then asked repeatedly for the statements from XXXX XXXX XXXX and then from XXXX XXXX XXXX. I received copies of the missing statements. Later I received "" copies '' of my statements from XXXX XXXX XXXX. Immediately my account was removed from online access. Well

ZIP_code:
 I actually already had my statements from XXXX XXXX XXXX. The statements I received from Chase were "" different. '' So my promotional financing had been to "" PAY OFF MY PROMOTIONAL PURCHASE BALANCE IN FULL BY THE PROMOTION EXP DATE TO AVOID PAYING ACCRUED DEFERRED INTEREST CHARGES. '' The "" NEW '' copies no longer had the "" promotional financing '' written on them because ... CHASE NEVER DEFERRED my interest thus it NEVER ACCRUED. So I ended up paying {$1500.00} in interest

Date_sent_to_company:
 & working extra hours while I was in school to make those payments. Well I would have actually been okay with Chase just refunding me the amounts and admitting their mistake

Company_response:
 but then they decided to commit "" FINANCIAL FRAUD. '' I made a complaint on XXXX and their representative

Consumer_disputed:
 tried to tell me how I did not understand how the promotion worked. Well I consulted around and then noticed my paypal credit statement. SURPRISE!! I knew I was right. AMAZING how a XXXX DOLLAR company would rather commit a Federal Crime

Complaint_ID:
 I believe the FBI label it as "" WHITE COLLAR CRIME and FINANCIAL FRAUD '' instead of just admitting their mistake and paying the accidental overpayment. 


Date_received: 03/24/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Or XXXX
Complaint_ID: Yes
Consumer_narrative:
I disputed this debt and on XXXX the agency removed it from my credit report. This company runs under many different names. I would get letter stating again, that I owe the debt. I would write back as required within 30 days stating I do not owe the debt, and requested proof that I owe it. I never received the proof, because I do not owe it. I sent the last letter out to their address and the letter was sent back to me, the letter was requesting proof that I owed the debt. Now, again, on XX/XX/XXXX, they are once again reporting it on my credit report. Mind you that this debt is from more than 5 years ago. They are reporting it as new, when it is not. In the state of Nebraska the statute states that the statute of limitation is 4 yeas, and mine falls under that category. I have explained to them I do not owe the debt, and the debt I had, I paid to the original creditor. Also, that I never lived at the address one of the services were provided. I am tired of this company reporting to my credit, and sending me letter from their sub companies in order to obtain money I do not owe. I have once again disputed with XXXX, and have decided to file this complaint. They have shady tactics to obtain money from a debt account they purchased. Originally it was with SW Credit Systems, I disputed it with them as well, then they " sold '' my account to XXXX XXXX


Complaint_ID: Yes
Date_received:
2. On XXXX XXXX I received a bill for {$130.00} which included billing for another month of the XXXX XXXX service which had been terminated. In a telephone conversation with " XXXX '' of the XXXX Customer Service dept. we were told the charges will be removed


Product: a corrected bill will be sent. '' 4. In a new bill
Issue: your balance is XXXX
Complaint_ID: Yes
Date_received:
3. On XXXX XXXX I received a bill for {$120.00} which again included billing for the terminated XXXX XXXX service. Another telephone conversation with "" XXXX '' : "" do n't pay

Subproduct:
 dated XXXX XXXX I was again told I owed {$100.00} for the terminated service. Another telcon with a XXXX XXXX of XXXX on XXXX XXXX : "" All charges are removed

Subissue:
 a final bill will be sent by mail. '' 5. A letter dated XXXX XXXX XXXX from XXXX Credit and Collections ( re account XXXX XXXX XXXX

Consumer_narrative:
 as above ) states : "" We recently sent you ... Failure to pay the outstanding balance on your bill by XXXX XXXX XXXX may cause your account to be referred to an outside collection agency. This could result in reporting your debt to the credit bureaus which may affect your credit standing. "" Please pay


Date_received: 6. A letter
Product: dated XXXX XXXX XXXX
Subproduct: from debt collector XXXX XXXX
Complaint_ID: Yes
Issue:
 XXXX informing me that the bill for {$100.00} had been referred to this collection agency. Please pay


Company_public_response: to avoid the nuisance and the repeated threats
Complaint_ID: Yes
Date_received:
7. A XXXX on XXXX XXXX with a XXXX XXXX XXXX of XXXX Customer Service : "" The balance is XXXX ; ... with the next bill - XXXX - this will show. Do not worry about the debt collector

Product:
 he will be informed by XXXX. '' 8. A telcon on XXXX XXXX with a XXXX XXXX XXXX at XXXX XXXX : "" They will notify XXXX that the debt had been disputed

Subproduct:
 no further action needed on your part. '' 8. A letter dated XXXX XXXX XXXX from XXXX XXXX collection agency

Issue:
 states : "" The account information is scheduled to be reported to the national credit reporting agencies in your creditor 's name ( listing XXXX XXXX ) if you fail to fulfill your credit obligations. '' Amount due : {$100.00} ; on XXXX XXXX Account no. XXXX ( sic ; note the difference from the no. in item 1. ) It is not credible that XXXX Credit and Collections Office is simply not aware of these cases

Subissue:
 there must be many of them. It appears to be a practice of theirs to ignore the customer service inputs

Consumer_narrative:
 and keep pursuing these settled cases in the expectation that they will eventually just give up and pay anyway


Complaint_ID: No
Date_received:
Next, the recording says " Under Federal Law we are required to inform you that BSI Financial is attempting to collect a debt and any information obtained will be used for that purpose. '' My account is not past due and is not is collection process. I am calling them to question my account. They are not calling me. In the past when I have reached a real person this same statement is read to me. I am calling my mortgage company


Date_received: 03/18/2016
Product: Debt collection
Subproduct: Credit card
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: XXXX and to this date
State: from XXXX XXXX and from XXXX XXXX
ZIP_code: ACI appears nowhere on any of them in the reporting of this debt
Company_response: not to mention it could very well be violating various codes ( XXXX XXXX XXXX XXXX - XXXX
Timely_response: XXXX & XXXX ). Again I will reiterate
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/XXXX I made first contact with XXXX XXXX in order to find out what the general status of the debt was. I was unable to get this information as they has stated that the debt had been assigned to ACI ( American Coradius International, LLC. ) for collections and they could provide no further info and that I 'd have to contact them ( ACI ). I then made contact with ACI the same day, XXXX/XXXX/XXXX and was forwarded to a woman named XXXX who stated she was in charge of my account. She verified my contact info, e.g. DOB, home address etc. and gave me my internal reference number for ACI. I mentioned I would be sending in some correspondence and I thanked her and the call ended. Shortly after that call, I went to their site and decided to try and register, which I did successfully and decided to browse my account. Menu options upon logging in were : Balance, View payments, Contact Us and Profile, all of which had info once clicked. I took several screen shots of what I viewed which I will attach to this complaint. I later went back after receiving an email from ACI verifying my enrollment and to my amazement, all of it was no longer available and what was there was merely " Terms and Conditions '' under each category. To say the least I found this interesting. I later decided to fill out a Verification letter from CFPB ( XXXX ) and mailed it off via USPS Certified mail on XXXX/XXXX/XXXX ( file attached ). I have been very proactive in dealing with creditors since my wife and I had a major financial setback in late XXXX. The last time I had utilized XXXX credit was on XXXX XXXX

Company:
 XXXX/XXXX/XXXX I have had no contact from either XXXX XXXX ( XXXX Bank ) nor ACI in any form whatsoever. I also found it odd that upon viewing recent XXXX reports

Submitted_via:
 however they requested an "" Account Review Inquiry on XXXX/XXXX/XXXX ( screen shot attached ). Now

Date_sent_to_company:
 my last recollection of my balance with XXXX XXXX following my last purchase in XXXX XXXX was approximately {$1600.00}. The amount that I was able to view upon logging in on the ACI website before the info apparently was removed was {$2100.00} ( screen shot attached ) which of course I found completely outrageous to say the least given the lack of contact


Issue: e.g. DOB
Consumer_narrative: I went to their site and decided to try and register
Company: View payments
State: Contact Us and Profile
Date_sent_to_company: XXXX and to this date
Timely_response: from XXXX XXXX and from XXXX XXXX
Consumer_disputed: XXXX appears nowhere on any of them in the reporting of this debt
Date_received:
03/18/2016,Debt collection,Credit card,Disclosure verification of debt,Not given enough info to verify debt,On XXXX/XXXX/XXXX I made first contact with PayPay Credit in order to find out what the general status of the debt was. I was unable to get this information as they has stated that the debt had been assigned to XXXX XXXX XXXX XXXX XXXX

Product:
 XXXX. XXXX for collections and they could provide no further info and that I 'd have to contact them ( XXXX ). I then made contact with XXXX the same day

Subproduct:
 XXXX/XXXX/XXXX and was forwarded to a woman named XXXX who stated she was in charge of my account. She verified my contact info

Subissue:
 home address etc. and gave me my internal reference number for XXXX. I mentioned I would be sending in some correspondence and I thanked her and the call ended. Shortly after that call

Company_public_response:
 which I did successfully and decided to browse my account. Menu options upon logging in were : Balance

ZIP_code:
 all of which had info once clicked. I took several screen shots of what I viewed which I will attach to this complaint. I later went back after receiving an email from XXXX verifying my enrollment and to my amazement

Submitted_via:
 all of it was no longer available and what was there was merely "" Terms and Conditions '' under each category. To say the least I found this interesting. I later decided to fill out a Verification letter from CFPB XXXX XXXX ) and mailed it off via USPS Certified mail on XXXX/XXXX/XXXX ( file attached ). I have been very proactive in dealing with creditors since my wife and I had a major financial setback in late XXXX. The last time I had utilized PayPal credit was on XXXX XXXX

Company_response:
 XXXX/XXXX/XXXX I have had no contact from either PayPal Credit ( XXXX Bank ) nor XXXX in any form whatsoever. I also found it odd that upon viewing recent XXXX reports

Complaint_ID:
 however they requested an "" Account Review Inquiry on XXXX/XXXX/XXXX ( screen shot attached ). Now


Date_received: The Facts show clearly
Complaint_ID: Yes
Product:
 that XXXX XXXX correctly transmitted payment on XXXX/XXXX/2016. United Security Financial Corp ( USFC ) issued a statement on XXXX/XXXX/2016 ( available on request ) showing no payment received ( or applied to my account ) and demanding a DOUBLE PAYMENT. No late fees were assessed by USFC and XXXX confirms that the payment was successfully made. My payment appears to be NOT being applied to my account intentionally ; ergo


Complaint_ID: Yes
Date_received:
I am suing my ex-wife do to harming my credit and going to the attorney general and having the attorney general filing for back pay child support. When we had an agreement since XXXX XXXX


Product: that I am up to date with my payments and property taxes
Issue: the bank that I want to refinance with
Consumer_narrative: per month
Company_public_response: than my original modification payments. Every month I am with my original mortgage company
State: give me the run around
Complaint_ID: Yes
Date_received:
I do not want to refinance with this bank and have sought other banks. However, another bank advised me that I should file a complaint against my bank because when the new institution tried to get information, my mortgage company gave them the run around as well. I was told by other banks that the fees tacked on to my modification ( {$45000.00} due at the end of my loan ), was outrageous. When I asked my mortgage company for refinance information, they sent me a " Uniform Borrower 's Assistance Form '' -for foreclosure! It was as if they had no clue about my loan

Subproduct:
 and that I wanted to refinance!! There was also an unresolved question as to why my mortgage company did not use a federal loan and instead used their own in-house loan. Consequently

Subissue:
 wo n't offer my refinance until there is resolution with my mortgage company. I DO NOT WANT TO REFINANCE WITH MY ORIGINAL MORTGAGE COMPANY. Another bank believed they could make my monthly payments at least {$500.00} cheaper

Company:
 I feel I am losing a minimum of {$500.00} per month. This is outrageous and my mortgage company continues to drag their feet


Product: and there was a judgement on the report from 2011. We paid this years ago
Subproduct: after going to the State and getting a print off of Satisfaction of Lien
Issue: we then went to the XXXX XXXX XXXX court
Complaint_ID: Yes
Date_received:
03/24/2016,Credit reporting,,Incorrect information on credit report,Public record,My husband and I printed our credit report


Date_received: I recently reviewed my credit report with XXXX dated XXXX XXXX
Product: XXXX
Issue: located at XXXX XXXX XXXX XXXX
Complaint_ID: Yes
Subproduct:
 and reflecting is a collection account in the amount of {$490.00} that was assigned on XXXX and reported to the CRA 's on XXXX by XXXX XXXX


Date_received: Although
Product: Southwest Credit Systems L.P. state on XXXX XXXX
Subproduct: XXXX
Subissue: and was assigned the account before XXXX XXXX
Complaint_ID: Yes
Issue:
 XXXX contracted with them to collect on the alleged debt. I believe they uttered untruth knowingly and they are XXXX XXXX


Product: Debt collection agency. '' This is clearly confusing and misguiding consumers
Complaint_ID: Yes
Date_received:
Then XXXX sued me, so I called to Guglielmo, their Automated answer says, " This firm is not a Law firm


Product: Inc."
Subproduct: CA
Issue: 928XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 03/06/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
,Company believes complaint caused principally by actions of third party outside the control or direction of the company,Impac Mortgage Holdings


Date_received: 03/19/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Communication tactics
Subissue: Called after sent written cease of comm
Complaint_ID: Yes
Consumer_narrative:
I was receiving harressing calls and home visits from Tower Loan and wanted their collection actions stopped. I asked my wife to calk and tell them to communicate to me only by mail. So she called in late XXXX of XXXX. She called Tower Loan and spoke to a male. She told him that I am demanding that they stop all communication calls to me, family, friend, neighbors, Place of employment and not to come to our home. She told him that the only communication that is wanted is via mail. She was told that the only way to stop receive that request it would need to be in writing. So on XXXX XXXX, XXXX I wrote a Cease and Desist Letter ( letter and certified mail receipt and delivery receipt will be down loaded ). On XXXX XXXX, XXXX a XXXX XXXX signed & printed her name on the delivery section. On Friday XXXX, XXXX my sister called me and said she received a voice message from a XXXX telling her to have me call him at XXXX. She then forwarded me the voice message. I was very upset by the collection call because I felt that my consumer rights were violated. At around XXXX on XXXX/XXXX/XXXX I called the number and spoke to XXXX XXXX. He said that I owed over XXXX XXXX dollars. I then told him that I would be in tomorrow morning to pay it. After getting off the phone I talked to my wife and told her that my rights were violated and that I have been harressed and something has to done to stop XXXX XXXX and Tower Loan! I then instructed her to call Tower Loan and record the call. My wife and I were lied to by XXXX XXXX. He told her that his notes said that my letter said not to call or Mail anymore which was a lie. She told him that he was harassing us and then he said that we were harressing him and then theatened us by saying we were refusing to pay and proceeded by hanging up the phone. She then called him back and he admitted that he called my sister and left a voice message with his name and number and asked to have me to call him. My wife then began to read him the certified mail receipt letter to him. He then said that he was going to send my file over to his attorney 's office and sue us. He said that it does n't matter what I pay he 's still going to send my file over to an attorney. XXXX XXXX then made a slandering commit to my wife. He told her that if she would stop spending my money that I probly would not have this problem. He then said to her " why am I even talking to you


Date_received: 03/19/2016
Product: Credit card
Issue: Other
Complaint_ID: Yes
Consumer_narrative:
Synchrony Bank/Care Credit is committing fraud by listing on my credit report that my account was purchased by a lender. The " lender '' they state they sold it to is XXXX


Date_received: 03/19/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
ZIP_code: XXXX Fair Debt Collection Practices Act
Complaint_ID: Yes
Consumer_narrative:
I have been trying to receive mortgage assistance from Wells Fargo since XXXX 2015. My wife and I had a terrible hardship with our children and expressed that to the lender with our loan modification request and documentation. We were strung along for 6 months falling more behind to be told that our income was {$4600.00} and insufficient, totally untrue! At the time of this mod request I sent over my XXXX unemployment income and my wife $ XXXX monthly income ( XXXX contribution ) she is not on the loan. That 's {$6800.00} in income with about {$5000.00} in expenses, a {$1800.00} surplus. So I appealed that decision with updated income since I started back to work with current paystubs from my wife and I. Our income between the both of us is over $ 10000 monthly and we were yet denied again. With no explanation. So now Wells Fargo could n't say our income was insufficient because it was n't. So instead Wells Fargo gave this vague response : " After carefully reviewing the information we currently have

Company_public_response:
 we have determined that you still do not meet the requirements for a loan modification ''. That explanation is not acceptable! This lender is XXXX % the reason we are $ XXXX behind because they have wasted so much time with not trying to help. I have been misdirected and misinformed by XXXX different Wells Fargo dept whether to send in payments. I got a different answer from all XXXX dept when I asked can I still send payments. It seems Wells or the investor is looking at a better market and equity in my home and is not willing to help. You can hear and feel it in most all conversations with them. We feel this lender is not being forth right. I called the executive office today and was told that there was nothing they could do

Company:
 I was trying to set up a repayment plan because we make the money and they said they could n't do that giving no explanation. This lady said that we had exhausted all our options. Are you kidding me

State:
 absolutely no help at all from Wells Fargo. We are good educated people who went through a tough time and just need a little help to bring the mortgage current. They have not put ONE plan in front of us to do just that. So at this point we want to make a formal complaint to CFPB regarding Wells Fargo mortgage for : Unfair Business Practices

Submitted_via:
 Violation of Cal. Civ. Code 2923-2924.5 ( Ca Homeowner Bill of Rights ) and /or Breach of Contract. We want this lender and investor to offer us at least XXXX reasonable 6 month plan to resolve the delinquency

Date_sent_to_company:
 if not a loan modification. We are reasonable people who is not trying to live for free. We want to pay the mortgage


Date_received: NOW I AM FACING EVICTION BY THIS COMPANY XXXX XXXX XXXX XXXX. ADDRESS XXXX
Product: CALIFORNIA XXXX TEL. NO ( XXXX ) XXXX
Complaint_ID: Yes
Subproduct:
 MANAGER NAME IS XXXX XXXX .I HAVE BEEN HARRASSED AND PERSON KEEP COMING TO THE HOUSE ASKING ME WHEN TO LEAVE. '' I NEED HELP '' ANOTHER AGENT NAME XXXX XXXX


Complaint_ID: Yes
Date_received:
03/15/2016,Consumer Loan,Vehicle loan,Managing the loan or lease,,I have a XXXX Ford Focus from Car Max Auto Finance. I have been making payments on the car since XX/XX/XXXX. After reviewing my credit report Car Max had my car listed as a charge off two times


Date_received: Currently
Subproduct: they can not fax it to XXXX
Issue: even with my authorization. Every time I call
Subissue: I speak to a different individual
Complaint_ID: Yes
Product:
 I am still waiting for them to submit the Verification of Mortgage to XXXX. I have been told they can only fax it to me

Consumer_narrative:
 and every time I call I am told that they are sending documents out. Documents have yet to be seen. Then I call back again and they say documents were not sent out

Company_public_response:
 because they need authorization. I am getting absolutely no where and making no progress in my refinance. Now that so much time has been lost

Company:
 I am very afraid that this situation will have a negative effect on my financial situation. I have a son who is graduating this year from XXXX school

State:
 we are trying to make a college decision. I also will stop receiving child support the day he graduates. I do not think Citimortgage has the right to delay the process of the refinance. Their business practices are awful


Complaint_ID: Yes
Date_received:
03/07/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,I really need help because I have been disputing a few accounts on my file for a few months and I am getting no where with the bureaus. I asked for their assistance and I did not receive it. I asked for them to put a temporary fraud alert on my file and they did n't. I asked for the documents that were used to "" verify '' these accounts and they did not provide them. this is my last resort and I have already consulted an attorney in regards to bringing a lawsuit against them. why are they making this so difficult to remove these inaccuracies when that is their job to make sure this stuff is actually accurate? They did not investigate these accounts and if they did


Product: LLC"
Subproduct: GA
Issue: 313XX
Subissue: Servicemember
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 03/25/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Security National Automotive Acceptance Company


Date_received: 03/19/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company_public_response: my social security cards
Company: and my ids. They opened numerous insurance accounts
State: medical
ZIP_code: apartments
Submitted_via: auto loans
Date_sent_to_company: and credit cards
Company_response: all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports
Complaint_ID: Yes
Consumer_narrative:
have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX


Subproduct: and need some to investigate them. They are rude
Issue: mean
Complaint_ID: Yes
Date_received:
03/19/2016,Bank account or service,Checking account,Problems caused by my funds being low,,DONT BANK AT US BANK

Product:
 THEY ARE FRAUDS. Bank returned items ( or held items ) when they where a debit purchase and should of came straight out of your account. I had a Target purchase for XXXX dollars and sufficient funds over a XXXX. They returned items so in a week it could come back and overdraft my account. Also they overdraft my account on items that cleared with sufficient funds. Then turn around and charged me again for an extended overdraft. They are crooks

Subissue:
 and do n't give a XXXX about there customers or helping them. When I went to close the account they would not let me have any documentation to proof I close the account. They said they have to get with there legal services. XXXX!!! All banks give you documentation


Date_received: 03/19/2016,Mortgage,FHA mortgage,Application
Product: originator
Subproduct: mortgage broker"
Consumer_narrative: pay stubs ( that listed my current income and employer )
Company_public_response: bank statements ( that also listed income from my employers )
State: 2015
Submitted_via: 2015 and XXXX XXXX
Company_response: to justify their false letter to the Consumer Financial Protection Bureau
Timely_response: PHH Home Loans
Subissue:
OnXXXX XXXX, 2015, PHH Home Loans , LLC stated to the Consumer Financial Protection Bureau in writing that, " Our records indicate your loan application was preapproved based on verbal information you provided the Loan Officer. '' ( please see attached ). This is completely false. PHH Home Loans is establishing a history with providing false statements to justify their wrongdoing. I am providing documentation to prove that I provided legitimate documents ( in writing ) via email to the loan officer ( XXXX XXXX ) on XX/XX/2015prior to receiving a pre-approval letter. My written information that I provided the loan officer included documentation from XXXX/Tax Information ( that listed my employers for two years )

Company:
 and paid in full letters ( please see attached ). The loan officer also did a hard inquiry and pulled my credit report on XXXX XXXX

ZIP_code:
 which I had over XXXX credit scores from all three credit bureaus ( please see attached ) prior to issuing me a pre-approval letter. I provided all of these documents ( please see attached ) to the loan officer for her to analyze as stated in their application process prior to receiving a pre-approval letter onXXXX XXXX

Date_sent_to_company:
 2015 for different loan amounts ( please see attached ). They also made false statements regarding my previous employers. Further

Consumer_disputed:
 LLC intentionally provided Consumer Financial Protection Bureau with the false Statement of Denial that misrepresents incorrectcredit scores they have stated in the XXXX 's and XXXX 's and incorrect credit information

Complaint_ID:
 which it 's Operations Manager admitted in an email was an incorrect ( please see attachments ). PHH Home Loans 


Date_received: PHH Home Loans also stated in its XXXX XXXX
Subproduct: which do not state this at all. Once again
Company_public_response: 2015 ) that they are refusing to allow me to have based on their false information
Product:
 2015 letter that FHA requires borrowers to provide a statement. I am providing documentation from FHA guidelines

Issue:
 PHH Home Loans provided false statements Consumer Financial Protection Bureau to justify their actions. If PHH Home Loans 

Subissue:
 LLC had legitimate reasons for denying my loan ( which it does not ) and if they denied me based on honest reasons other than my race

Consumer_narrative:
 then there would be no need to come up with and make false statements and misrepresentations as to why it denied my loan. PHH Home Loans knows that I qualified for my loan at the time of my initial application ( XXXX XXXX

Complaint_ID:
 which it 's Operations Manager admitted in an email was an incorrect ( please see attachments ). PHH Home Loans 


Date_received: 03/19/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Personal information
Company_public_response: '' though my correct name is
Company: as I have always reported
State: XXXX XXXX XXXX. At no time do I use an alias
Submitted_via: or to financial fraud committed against me
Date_sent_to_company: such as identity theft. I demand that Experian correct my name and address on my credit report
Timely_response: and it should be a crime
Consumer_narrative:
I received a letter rom Experian National Consumer Assistance Center, XXXX XXXX, XXXX TX, telling me that the address on my credit report had been changed, on the strength of an erroneous address supplied by a company that checked my credit after I had purposely lifted a security freeze so that company could do so. As the attached letter to Experian shows, my address has remained the same, regardless of erroneous information accepted by Experian. My credit report also shows that I am " known as XXXX XXXX XXXX and XXXX XXXX XXXX

ZIP_code:
 and I find offensive the concept that Experian accepts erroneous information and lists it as if it were official. Having this information on my credit report may leave me open to charges of misrepresentation

Company_response:
 and eliminate these alternate versions of my name that could be construed as aliases. It is a shame

Consumer_disputed:
 for a credit reporting service to change a consumer 's personal information because of a potential creditor 's errors

Complaint_ID:
 so as to potentially damage the consumer 's reputation or expose him to criminal activity. People working office jobs for creditors make errors carelessly


Product: I 've never had an XXXX account in my life but yet a debt of {$73.00} appears on my credit report
Issue: this is not a refusal to pay
Subissue: but a notice sent pursuant to the Fair Debt Collection Practices Act
Date_received:
03/24/2016,Debt collection,Credit card,Cont'd attempts collect debt not owed,Debt is not mine,To Whom It May Concern

Subproduct:
 so in turn I am sending this letter to you in response to what appeared on my credit report from your company. Be advised

Complaint_ID:
 so as to potentially damage the consumer 's reputation or expose him to criminal activity. People working office jobs for creditors make errors carelessly


Product: XXXX or XXXX )
Subproduct: said action might constitute fraud under both Federal and State Laws. Due to this fact
Date_received:
If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX

Issue:
 if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested


Date_received:
If your offices fail to respond to this validation request within 30 days from the date of your receipt


Date_received: I would also like to request
Product: in writing
Issue: including but not limited to computer generated calls or correspondence sent to any third parties
Subproduct:
 that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me


Date_received: 03/19/2016,Mortgage,Conventional fixed mortgage,Loan modification
Product: collection
Subproduct: foreclosure"
Consumer_narrative: we agreed
Subissue:
We have filed a complaint against our mortgage company twice on this website. The first time we got no response from anyone! This time we received a response from the President 's office of our mortgage company. To date, they have put us off twice already saying they are " researching our file ''. We have an attorney and have sent the required paperwork XXXX times for help and assistance.Today we received a letter from PHH 's attorney saying they are recommending foreclosure. No help and NO acknowledgement from them. Now more money will be tacked onto our account for their gross errors for their attorneys fees and that doesnt ' even include ours!!!!!! This game has to stop!!!!!! They take our money and give us NO credit to our account for it or they send our payments back to us. They say they are sending paperwork to us but do n't. They called and offered to allow us to pay {$720.00} a month and a reduction in principle

Company_public_response:
 then they never sent paperwork to us. Now they are not following through with that offer. They promised paperwork after a forbearance plan


Date_received: 03/24/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: as well as
Complaint_ID: Yes
Consumer_narrative:
I went through a divorce several years ago. Thereupon, I had no idea of the existing mutual debt my x-husband and I had with with First Citizens Bank in XXXX, XXXX. I received no calls, notices, etc. All of the aforementioned went to my x-husband. Subsequently, he closed his account at First Citizens, and started banking elsewhere. Unbeknownst to me my SSN was still attached to this debt. Therefore, First Citizens cleaned out my personal bank account. At this point in time, I was a single mother with XXXX daughters, and unemployed. I finally secured a job in XXXX XXXX and have been working on my finances ever since. XX/XX/XXXX I went to First Citizens to make right on my outstanding debt. Soon after, the XXXX flood hit us here in XXXX. Our area was dramatically affected. Thereafter, it took months for me to finally re-connect with my contact at First Citizens. When we connected, XXXX XXXX ( bank manager for the XXXX XXXX branch ) informed me she was switching branches. I had banked at the XXXX XXXX XXXX branch of First Citizens for over 15 years. I went to XXXX XXXX, who had helped me in the past. She was aware of my situation and was extremely helpful. Trying to decode all of this was unbelievably confusing. After many phone calls, office visits, and more phone calls XXXX was able to help me decipher who I needed to pay and the dollar amount I needed to pay. I paid the first debt of {$750.00}, which was tied to my personal checking account, XX/XX/XXXX. The {$750.00} amount was paid to XXXX ( XXXX XXXX XXXX ). I received a letter from them dated XXXX/XXXX/XXXX ( which is attached ) showing the account had been paid in full and had a XXXX balance. I then wrote a check for {$620.00} on XXXX/XXXX/XXXX to First Citizens for the XXXX amount owed. This amount was tied to the line of credit for overdraft protection.Finally I was able to get a letter from First Citizens stating the account had been paid in full ( document attached ). To date the {$750.00} amount is still showing on my XXXX credit report ( to my knowledge it is not still on XXXX or XXXX ) and the {$600.00} amount is still showing on all XXXX credit reports ( XXXX, XXXX and XXXX ). I realize that it can take up to 60 days for credit reports to update. However, I did my due diligence early this year in the hope it would be reflected on my credit report by XX/XX/XXXX. I have spoken with Al at the First Citizens Bank headquarters in XXXX. Per XXXX, he just received the notifications of the XXXX balance for my accounts. There has been a lag time of 30+ days from when I paid off the amount and from when it was sent to the bank headquarters for updating. It is imperative that I have this cleared up by XXXX XXXX. If not, I will forfeit a house I have a contract on, as well as, {$5000.00}. My children and I have moved so much over the years. It is so very important to me to able to finally own my own house ; a place my girls can really call " home ''. The only response I get from the bank is it takes up to 60 days to reflect on your credit. No one will help me. Your immediate attention to this is very much appreciated


Product: Inc."
Subproduct: SC
Issue: 29642
Consumer_narrative: N/A
Company_public_response: Phone
Company: 03/15/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/15/2016,Credit reporting,,Incorrect information on credit report,Account status,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 03/20/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Investigation took too long
Complaint_ID: Yes
Consumer_narrative:
There are XXXX copies of my credit bureaus showing different deletion dates for the same account. I claim that the trade line payment history has been cut off purposely for the direct intentions of re-aging the deadline as to when the account should be removed. The creditor shows that the drop dead removal deadline is XXXX XXXX on Trans Union and XXXX, and XX/XX/XXXX on XXXX. THe fact is, I was making payments that were at least 30 days late as far back as XX/XX/XXXX. The 7-year rule of the Fair Credit Reporting applies and the financial institution has no other recourse but to remove the trade lime immediately and permanently. The timeline to file a lawsuit to collect has expired based upon the rules on the state of New York. The following case research rules in my favor on the illegal usage of re-aging debt timelines : ITEMS HAVE BEEN RE-AGED EXTENDING NEGATIVE HISTORY BEYOND 7-YEAR TIMELINE SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINES Experian, Equifax and Trans Union Are Aware Of Timeline Extensions by Creditors Case in point, if a credit card payment was late 84 months ago, and since that time period the credit card was paid in full, settled for less than full balance, or charged off by a federally insured bank as mandated under Federal Deposit Insurance Corporation Rule 5000, applicability of applying a charge off standard to debt service, then the creditor must report the true payment history on the credit trade line for a minimum of 84-months. The Federal Trade Commission has levied fines and penalties against creditors for using a re-aging process totally in violation of the Fair Credit Reporting Act guidelines. Re-aging of debts have been used by the Internal Revenue Service by re-issuing federal tax liens with a new fining number when the 10-year rule timeline was running out. It is used by creditors as a means of stalling or delaying one 's credit rating, simply by cutting off several years of previous payment histories. This process is highly illegal and abusive to the integrity of the credit reporting system that was designed to be fair and accurate for the commercial banking industry to extend to those that qualify to pay a specific debt back to the issuing financial institution. It was not designed for manipulation by creditors to extend the worthiness of a debt or the fair timeline to report a debt payment history. I request as part of the credit bureau reinvestigation a summary of my payment history, not copies of any statements, from the listed creditor to prove the true and accurate timeline as to when a credit item should be removed. A SPECIFIED DATE OF WHEN AN ACCOUNT IS TO BE REMOVED IS MANDATORY!!! Any attempt from a creditor or the Internal Revenue Service to extend a debt timeline will, upon failure to remove an extended item, be reported to the Consumer Financial Protection Bureau against the credit reporting agency not complying with a full re-investigative process. XXXX new decisions - XXXX v. XXXX XXXX XXXX, XXXX ( XXXX Cir. XX/XX/XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ; and XXXX v. XXXX. ( XX/XX/XXXX ) XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnisher 's under federal and state law to supply accurate information


Date_received: 03/20/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Called outside of 8am-9pm
Company_public_response: but every time I did
Complaint_ID: Yes
Consumer_narrative:
This company repeatedly calls before XXXX XXXX and after XXXX XXXX and has been for many years. They were asked to verify it was my debt and were unable to do so. They say things like " tell XXXX to pay her XXXX bills. '' They have sent XXXX letters from lawyers saying if I do not contest the debt it is assumed valid and I will have a judgement against me. I have called the original creditor and they do not have information for me about the debt. I tried speaking to portfolio

Company:
 they updated the collections date in my credit report to cause my score to drop. They check my credit report multiple times a month. This company is unscrupulous and unethical and they have been for many many years. I tried speaking to them


Complaint_ID: Yes
Date_received:
I pride myself on promptly paying my bills on time. I am XXXX years old and have a credit rating of XXXX. This is not a " dog ate my bills '' story. I assure you I never received bills for four months in any form. My balance is now {$240.00}


Product: LLC"
Subproduct: IL
Issue: 600XX
Subissue: Older American
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 03/20/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,URS Holding


Complaint_ID: Yes
Date_received:
The notice that I received contains the following statement : "" Federal law allows a lender and borrower jointly to request the Administrator of FEMA to review the determination of whether the property securing the loan is located in a special flood hazard area. If you would like to make such a request


Issue: XXXX I left XXXX
Subissue: XXXX for XXXX
Consumer_narrative: XXXX. I pulled over to get gas and the card was declined again. Again
Complaint_ID: Yes
Date_received:
03/20/2016,Credit card,,Closing/Cancelling account,,I have had a Bank of America Rewards Card since XXXX. I had over a {$3000.00} credit limit on it with a {$0.00} balance. I went to use the card at XXXX XXXX on XXXX XXXX

Product:
 XXXX and it was declined. I called Bank of America Customer Service and the woman I spoke to ( the call was recorded ) said nothing was wrong with my card and it should not have been declined. I advised her that when I signed on to my online account it should the card in good standing with no balance ( Bank of America has since erased that information from my online account ). I advised the customer service rep I was going to be traveling to XXXX

Subproduct:
 XXXX and wanted to advise of my travel. The customer service rep said she had noted the travel notice on the card and I would have no further issues using the card. On XXXX XXXX


Date_received: 03/20/2016
Product: Money transfers
Subproduct: Domestic (US) money transfer
Issue: Money was not available when promised
Company_public_response: then he hung up on me
Complaint_ID: Yes
Consumer_narrative:
I been having issues when using MoneyGram. When the money is transferred it is never available to the receiver, even after getting a confirmation transfer reference number. I sent money to this person several times before and have not been so upset with the agent service that MoneyGram provides. These people are not aware why and rude. I sent a transfer on XXXX/XXXX/2016 at a Walmart site and it was a10 minute request and was told that the person can get the money with the reference number and their ID. What a surprise they called and said it was not available. I was told " under review '' by the MoneyGram agent then transfer to someone who could not speak English well. So I asked him to slow down


Product: it took over 30 minutes
Complaint_ID: Yes
Date_received:
The agent at the Walmart site when the receiver was also experience the same issue with the MoneyGram reps since I asked my friend. He indicated that the Walmart agent was not please


Date_received: Therefore I sent an feedback for someone to contact me within the US. However
Complaint_ID: Yes
Product:
 they had a person not in the US called. She could not explain why the money was not available and then had the nerve to said "" because the person name was similar to someone else ''. This I find to be a false since I sent money to the person several times and never had this issue. This type of information can be consider damaging to my character and the receiver. Therefore


Product: Inc."
Subproduct: FL
Issue: 33140
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/20/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
03/20/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Complaint_ID: Yes
Date_received:
It is illegal for a creditor or collection agency to change the "" purge from '' date on a negative credit listing


Complaint_ID: Yes
Date_received:
 Re-Aging '' a delinquent account is a serious violation of the FCRA. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies


Product: transferred or sold to collection agency. Basically
Complaint_ID: Yes
Date_received:
The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased

Subproduct:
 the "" purge from '' date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA


Date_received: 03/01/2016,Mortgage,Conventional fixed mortgage,Loan modification
Product: collection
Subproduct: foreclosure"
Consumer_narrative: they had my property taxes incorrect in the review. If they correct my property taxes
Complaint_ID: Yes
Subissue:
I was denied for a loan modification ( HAMP XXXX ) on XXXX XXXX, 2015. Wells Fargo Home Mortgage made a mistake on box XXXX of my NPV - Property Taxes. They state they denied me for a HAMP XXXX XXXX because " my modified payment would be less than 25 % of my monthly income ... '' ( See attached denial letter ). However

Company_public_response:
 then my modified payment would be actually more than 25 % of my income and I should qualify. ( See attached actual appeal letter for more detailed explanation ). This is a cut and dry appeal with no questions there was an error. However

Company:
 Wells Fargo Home Mortgage ignores ALL appeals and simply replies with a form letter stating they did not make an error. If this is in fact the case with this loan

State:
 I hope the CFPB uses this to prove this is what Wells Fargo does to everyone and fines them millions of dollars for lying! I hired an attorney to help me with submitting my paperwork. My attorney filed a dispute to my denial on XXXX XXXX

ZIP_code:
 2015. The dispute provided a copy of the actual current property tax bill. Wells Fargo Home Mortgage general practice is to ignore all requests. They did this with my appeal. Even though my appeal unquestionably proves they made an error on the XXXX review

Submitted_via:
 they refused to respond to my appeal. Later they verbally said they did a review and it was still denied. My attorney has been asking for a new "" Corrected '' NPV chart and denial letter. To date they have refused to provide me this CORRECTED NPV and NEW denial they state they have. In the mean time they have referred my loan for foreclosure. This is what Wells Fargo Home Mortgage does to people. Play games


Complaint_ID: Yes
Date_received:
03/20/2016,Debt collection,I do not know,Cont'd attempts collect debt not owed,Debt is not mine,Repeated phones calls from XXXX ( Penn Credit

Product:
 according to internet search ) about unknown person. Nobody at our number ( XXXX ) has any debt and we are on the Do Not Call List. The robo-call leaves a message to call XXXX about XXXX (? ) XXXX (? ) a name we have no knowledge of. The company calls late at night


Date_received: 03/21/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Complaint_ID: No
Consumer_narrative:
This is the second case I 've had like this. Their system is replacing previously reported data with " NR ''. For years

Company_public_response:
 Equifax has report my XXXX XXXX account as 30 days late for XXXX XXXX. As it gets close to the 81 months of reporting

Company:
 their system is deleting the reported credit info for each monthand turning into "" NR ''. By doing so

State:
 this is NOT allowing 7 year old negative accounts to purge off. The XXXX account is scheduled to purge off because its 7 years for XXXX XXXX. XXXX is next week and the month of XXXX XXXX was replaced with "" NR '' a couple months ago and still showing "" NR ''


Product: Inc."
Subproduct: IA
Issue: 50070
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/24/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: No
Date_received:
03/24/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 03/24/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
Company_public_response: credit score
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX PA and XXXX XXXX PA denied me XXXX commercial mortgages, FNB is my commercial bank and it took them 7 months to decide. No cause given except " cash flow ''. New real estate would have generated {$12000.00} monthly positive cash flow. Assets


Product: Inc."
Subproduct: AR
Issue: 72120
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/03/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/02/2016,Student loan,Non-federal student loan,Can't repay my loan,Can't decrease my monthly payments,,,Navient Solutions


Date_received: 03/02/2016
Product: Money transfers
Subproduct: Domestic (US) money transfer
Issue: Wrong amount charged or received
Complaint_ID: Yes
Consumer_narrative:
I sold a couch for {$190.00} and received payment for said couch on XXXX XXXX, 2015 via PayPal. When I tried to submit the payment to my checking account PayPal locked my account and on XXXX XXXX, 2015 they stole {$83.00} from me. They say that it is " deducted funds from your PayPal account to resolve your negative balance account. '' When I called to ask about the negative balance account

Company_public_response:
 they said it was in reference to a chargeback for a transaction that occurred roughly 10 years ago with a PayPal account connected to a XXXX email account I lost access to nearly a decade ago. They did not provide any details regarding the transaction. Regardless


Date_received: 03/21/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company: and she said that the XXXX account was in good status
State: however my other account had XXXX missed payments ( in XXXX and XXXX of XXXX )
Date_sent_to_company: Again
Company_response: after XXXX months of internal online correspondence and multiple phone calls
Complaint_ID: XXXX stating that they "" were unable to approve my recent request to reopen '' my account
Consumer_narrative:
I paid off XXXX of my credit card accounts with Bank of America XX/XX/XXXX. Recently, I began using XXXX of those accounts again. I received an email notice of an amount due ( of {$20.00} ) on the closed account and tried to access that account online to determine the validity of the charge and pay if owed. I was blocked from accessing the account by Bank of America. I called and for almost 2 months tried to get resolution on the problem they created. I finally relinquished and send them the {$20.00} payment, to which they assigned a {$1.00} late payment assessment. After two more months and several calls and internal emails to them, they finally credited my account and removed the {$1.00} late fee. In XX/XX/XXXX of this year, they wrote me a letter closing this account ( ending in XXXX ) stating " too many late payments '' on this account. The fact is that there were ZERO late payments for this account

Company_public_response:
 so I called and spoke to XXXX separate representatives for this institution. The first said she saw no evidence of any late payments that would warrant closing the account in the records on the account. The second person I spoke with was a XXXX who looked into this and my other account with the bank

ZIP_code:
 even though it was paid up to date. I explained that while I received notice of payments due on that unrelated account

Submitted_via:
 I was still being prevented from Bank of America from accessing the account to make online payments

Timely_response:
 I was able to once again access my account and changed my profile back to my original XXXX and password. Then

Consumer_disputed:
 and only then was I able to make the payments. The Supervisor told me she would re-establish my account and send out a new card. She furthermore credited my account with the XXXX late fee assessments ( posting on XX/XX/XXXX ). She further apologized for the problems created by Bank of America and said she would look into the reports to credit agencies to get them corrected to show accurate information and no late payments. Consequently I received another letter from Bank of America dated XXXX XXXX


Date_received: 03/21/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Complaint_ID: XXXX stating that they "" were unable to approve my recent request to reopen '' my account
Consumer_narrative:
 XXXX '' employee XXXX of Sears ( my phone however indicated that the call was from " Citi '' ) called one business day after another such caller called probing in the same way about a non existent debtor in my home. Both were told that they did not have the debtor they sought. XXXX asked if I denied a relationship with the debtor despite my comment that on my belief and information the debtor lived in XXXX| not XXXX. I also informed her that I was born XX/XX/XXXX. She promised| as did the caller the week before ( Friday ) not to call again. The phone number XXXX dialed from read out XXXX XXXX XXXX 
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Citibank,CT,068XX,,Consent provided,Web,03/21/2016,Closed with non-monetary relief,Yes,No,1842884
03/02/2016,Money transfers,Domestic (US) money transfer,Fraud or scam,,,,MoneyGram,PA,18109,,Consent not provided,Web,03/02/2016,Closed with explanation,Yes,Yes,1812925
03/02/2016,Debt collection,I do not know,Disclosure verification of debt,Not given enough info to verify debt,,,Encore Capital Group,NY,11226,,N/A,Postal mail,03/04/2016,Closed with explanation,Yes,No,1813221
03/02/2016,Credit card,,Billing disputes,,I disputed a charge on my account. That dispute was concluded in my favor. I closed my account fully paid off. 
Long after the account was closed ( like 5 months ) I recieved a bill for a rebill on my account. Upon calling Barclays| I was told they could not reverse the charge over the phone. They told me that I was expected to pay the amount billed and that I had authorized this charge. 
I had not authorized this charge. I asked them to read back the transcript of an earlier call. This transcript does not reflect the conversation I had with their dispute specialist. I did not give permission for a rebill. 
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Barclays PLC,DC,200XX,,Consent provided,Web,03/02/2016,Closed with explanation,Yes,Yes,1812605
03/21/2016,Credit card,,Identity theft / Fraud / Embezzlement,,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Citibank,CA,94501,,Consent not provided,Web,03/21/2016,Closed with non-monetary relief,Yes,No,1842750
03/02/2016,Credit reporting,,Incorrect information on credit report,Account status,,,Equifax,NM,87031,,N/A,Postal mail,03/02/2016,Closed with explanation,Yes,No,1814234
03/21/2016,Mortgage,Conventional adjustable mortgage (ARM),Loan servicing| payments| escrow account


Date_received: 03/02/2016
Product: Money transfers
Subproduct: International money transfer
Issue: Money was not available when promised
Company: so we all can solve the issue before my father 's trip to the bank
Timely_response: security check
Consumer_narrative:
I can confirm that Western Union ( WU ) is a very incompetent institution. I sent money to my father who is XXXX years old XXXX. He could not pickup the money after making 3 trips to the bank. The bank XXXX also could not release the money stating that they did not have the MTCN number. I am dealing with not XXXX but XXXX incompetent institutions. I called Western Union and their excuse is that my father 's name is similar to the person who can not use WU. What a stupid excuse! No one took the initiative to check the record of the history. Very little money for my father 's birthday and they made a big deal to take away my precious time to solve their problems because they are incompetent. A lot of people have the same names, especially the country I came from, that 's normal in XXXX. But not to release the money to an XXXX years old man who they know better to try and assist him, is absurd! I can not believe that between the bank and Western Union, no one could use the brain to go an extra mile to solve the problem. I 'm here in NY and solved the problem for these XXXX incompetent institutions. First WU sent a confirmation email saying my father can pickup the money ( strike one! ). Once you confirm with anybody, it means " a go '' yes? If WU could not release the money

Company_public_response:
 they should have sent a very specific email stating they need a copy of my father 's ID for their future record so they will not release the money to a wrong person

State:
 not after. This should have been stated clearly! Then my father took not 1 but more than a trip to the bank

ZIP_code:
 3 days in a row ( strike two! ). They still could n't figure out how to solve the issue. Then they got me involved ( strike three! ). With a high-tech going around

Submitted_via:
 I asked my sister ( who lives in the XXXX country ) to take a photo of my father 's ID and send it to me. Between my sister and myself

Date_sent_to_company:
 we solved the problem and we always do. I then sent the email to WU staff member and request with a firm instruction to release the money immediately. This should have been done by the company

Company_response:
 not an individual person. Like I said they should have sent a very specific email ( not a confirmation email ) prior to my father 's trip to the bank. So OK

Consumer_disputed:
 I get it. But not to communicate with me is a wrong strategy ; I am the sender. This is enough to confirm that WU is very incompetent and a bank can be even more incompetent dealing with them. Put two and two together

Complaint_ID:
 we got XXXX! No wonder the banks are failing! I 'm not surprised. The people who work at these XXXX large institutions take no initiatives to assist a customer. Lack of training? Maybe. This should be the next XXXX case study. 


Date_received: State Tax Lien XXXX Can you please run an investigation on the public record type
Product:
 docket record and amount owed. Please remove this public record for violating the Fair Credit Reporting Act it does n't seem right. I have included the documentation from the Georgia Department of Revenue showing that this is inaccurately reported. So


Date_received: 03/07/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Used obscene/profane/abusive language
Company: profane
State: or abusive language. Abusive language includes religious slurs
ZIP_code: profanity
Submitted_via: obscenity
Date_sent_to_company: calling the consumer a liar or a deadbeat
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, 2016 after a long day at work, I received a notice in the mail from ( Hillcrest Davidson & Associates, XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ) ( phone # XXXX ) a debt collection notice, I was unaware of this bill so I made a phone call and a person on the phone name ( XXXX ) this took place around XXXXXXXXXXXX, after he told me the bill was from ADT I recall having the alarm system put in. I continue to tell him the bad experience we had with XXXX, and I also mention that it is noway that I could pay this amount of {$1300.00} I asked him was it anything that could be done to resolve this, because my husband had XXXX back in XXXX and has been out of work for a long period of time and we had just XXXX income coming. He began to go and tell me with what he was reviewing my credit that I had money to pay it, because of the credit cards I got, I told him I did n't know what he was talking about, and continue to tell me my history with XXXX at this time I was getting a little furious with him. During the conversation he made a statement which I took very personal and for him to be a customer representative on the company behalf it was very unprofessional. He stated that, " people like you need to pay your bills ''

Company_public_response:
 and "" we all know what its call for people like you that do n't want to pay your bills '' as I can recall this "" section 1692D '' ( 2 ) prohibits the use of obscene


Product: XXXX XXXX XXXX ( XXXX XXXX
Subproduct: and XXXX XXXX XXXX
Issue: Equifax et
Complaint_ID: Yes
Date_received:
I recently submitted a request for investigation of an Acct Number : Open Accounts Name : XXXX Acct # : XXXX Credit Limit : {$1000.00} Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$1000.00} Past Due : {$150.00} Acct Status : PAYS 61-90 DAYS Dispute Item Show Details Closed Accounts Name : XXXX Acct # : XXXX Credit Limit : {$1300.00} Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$1500.00} Past Due : {$480.00} Acct Status : CHARGE-OFF Dispute Item Show Details Name : XXXX Acct # XXXX XXXX Credit Limit : {$1000.00} Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$1200.00} Past Due : {$1200.00} Acct Status : CHARGE-OFF Dispute Item Show DetailsCompany Information Inquiry Date ( s ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Credit Plus : :XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Dish Network XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, SD XXXX Sterling XXXX/XXXX/XXXX Customer Service Dept XXXX XXXX XXXX XXXX , XXXX XXXX Phone XXXX ( XXXX ) XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Continued On Next Page ) Page XXXX of XXXX XXXX XXXX XXXX XXXX Company Information Inquiry Date ( s ) XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Phone : ( XXXX ) XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Phone : ( XXXX ) XXXX XXXX Bank XXXX XXXX XXXX A. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( 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 v TransUnion


Issue: they admitted that there was a miscalculation in my loan
Consumer_narrative: if I sign
Complaint_ID: Yes
Date_received:
03/02/2016,Mortgage,Home equity loan or line of credit,Settlement process and costs,,XX/XX/XXXX I began a modification for my Home Equity Loan with the holder of the loan

Product:
 Bank of America. After a very frustrating process of them losing documents and re-asking for documents that I had already submitted

Subproduct:
 they approved the modification XX/XX/XXXX. They sent me documents and we returned them signed in a timely fashion. B of A then signed and return the loan documents and our first payment was XX/XX/XXXX. We have made our payments on time since. Then XX/XX/XXXX they sent out new documents that our modification had been approved. I did not understand. We had completed everything with a signed loan agreement from B of A. When I called they did not give me an answer. Just that I needed to sign. I explain that 4 months ago I had completed the process and have been making my payments on time. After several weeks of going back and forth

Subissue:
 but no explanation as to the mistake. I told them that I would not sign new documents as I already have a signed loan agreement with them. What 's to say


Complaint_ID: Yes
Date_received:
03/07/2016,Consumer Loan,Vehicle lease,Managing the loan or lease,,Had a leased truck with boyfriend through Ford. We broke up. The boyfriend started paperwork to transfer the lease to his name only so I would be removed since we were no longer together. We were charged a transfer fee. He then passed away just after this was completed. Ford now acts like the transfer never happened and is looking to me to pay this. if the transfer was n't complete


Complaint_ID: Yes
Date_received:
03/02/2016,Credit reporting,,Improper use of my credit report,Report improperly shared by CRC,the company XXXX ( not trans union


Complaint_ID: Yes
Date_received:
I went through their process to design and order my checks, in doing so I was provided information that illustrated that my order had a Discount. This discount matched the subtotal for my order through the process. At order confirmation, it was still illustrating to me that my Order Total was {$0.00}. As such, I thought I was ordering my checks and authorizing them to not charge me a fee, as that is what was presented. Then on XXXX/XXXX/16 I saw a " Check Printing Charge '' for {$54.00} taken from my account. On XXXX/XXXX/16

Product:
 I filed a inquiry to XXXX to clarify what had happened and to ask for a refund. On XXXX/XXXX/16 I received this response : I 'm sorry if the fee was n't displayed before you submitted the order. I will certainly research if this is an issue on our end or deluxe. You may return the checks to your nearest branch at usbank.com/locations. In the future


Complaint_ID: Yes
Date_received:
I replied with attachments that illustrated "" Discount '' and authorized total of {$0.00}. Then I received this response : Thank you for your reply. This why I suggested for you to visit the nearest branch


Product: XXXX XXXX
Subproduct: 2016
Complaint_ID: Yes
Date_received:
According to the document one option of payment was to make " 4 equal interest-free installments '' and "" The 1st payment due within 30 days of receipt of this statement ''. I put the first of four checks in the mail Monday


Date_received: No additional correspondence had been received from XXXX XXXX XXXX Associates prior to Tuesday
Product: XXXX XXXX
Subproduct: 2016
Issue: so I mailed the second of four installment payments to the same address
Consumer_narrative: XXXX XXXX
Company_public_response: MN
Company: dated for XXXX XXXX
State: 2016
Submitted_via: minus the check XXXX XXXX XXXX XXXX had cashed on XXXX XXXX
Complaint_ID: Yes
Subissue:
 with documentation as required. The following day I received a letter in the mail from IC System debt collectors

ZIP_code:
 stating XXXX XXXX XXXX XXXX had sent my account to collections for delinquency. The amount of debt attempting to be collected was the original amount owed


Date_received: I called XXXX XXXX XXXX Associates the next business day
Product: Thursday
Subproduct: XXXX XXXX
Issue: 2016 and asked to speak to a supervisor. I spoke with a gentleman named XXXX
Subissue: who confirmed my paperwork and check had been posted to my account on XXXX XXXX
Consumer_narrative: and cleared XXXX XXXX
Company_public_response: 2016. He said I would need to talk to the collections XXXX
Company: XXXX
ZIP_code: and left my name
Complaint_ID: Yes
State:
 to further clarify the situation but she was "" out of the office ''. I informed XXXX that I had already put the second installment payment in the mail


Date_received: Monday
Product: XXXX XXXX
Subproduct: 2016
Issue: after no contact had been initiated by XXXX XXXX XXXX XXXX
Subissue: I again called the office
Complaint_ID: Yes
Consumer_narrative:
 was told XXXX was "" not in the office '' and they had not received my check. I again told them I wanted my call to be acknowledged and returned. I contacted the debt collector who confirmed XXXX XXXX XXXX XXXX had made no attempts to rectify the misunderstanding

Company_public_response:
 and it was suggested I dispute in writing with supporting documentation or my bad debt would by reported to credit bureaus on XXXX XXXX


Product: Inc."
Subproduct: FL
Issue: 330XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 03/07/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,I.C. System


Product: XXXX XXXX
Complaint_ID: Yes
Date_received:
In this instance, when I attempted to deposit the counterfeit cashier 's check ( copy attached ) ostensibly drawn on XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) in a Citibank ATM at XXXX XXXX XXXX XXXX


Date_received: As noted by XXXX XXXX
Product: General Counsel for XXXX
Subproduct: in his email of XXXX XXXX
Issue: 2015 ( copy attached )
Consumer_narrative: as XXXX XXXX points out
Company: as noted by XXXX XXXX
ZIP_code: Citibank 's act of accepting the counterfeit cashier 's check
Submitted_via: which their employee ( the teller ) knew had just been rejected by Citibank 's own ATM machine
Date_sent_to_company: was
Company_response: at best
Timely_response: gross negligence
Complaint_ID: extremely reckless
Subissue:
 any bank teller with the requisite training in detecting counterfeit cashier 's checks should have immediately known that the check I presented for deposit was counterfeit. In this regard

Company_public_response:
 legitimate cashier 's checks have "" a tracking number which is not present on the check presented to Citibank. '' In addition

State:
 legitimate cashier 's checks bear the telephone number of the issuing institution ( which the counterfeit check did not ) and the check in question bore a suspicious "" security features box located on the reverse side. '' Therefore

Consumer_disputed:
 and the teller who accepted the check was either completely untrained in fraud detection by Citibank


Date_received: Under the circumstances
Product: Citibank should be made to suffer the entire loss in the amount of {$1900.00}. Instead
Subproduct: Citibank has
Issue: as they admit
Subissue: closed my account and has also notified other banks to not do business with me
Complaint_ID: extremely reckless
Consumer_narrative:
 thus preventing me from opening a new account elsewhere and further damaging and injuring me in my personal finances


Date_received: I politely requested that the company no longer contact me at this number
Subproduct: which is understandable
Issue: as this is per the FDCPA. However
Subissue: when I requested an e-mail address
Consumer_narrative: XXXX advised me that the company would not accept my cease and desist request in this manner
Complaint_ID: Yes
Product:
 at it is a work number and also advised that I wished for the company to cease and desist. "" XXXX '' advised me that I would need to put the request in writing


Product: we lost the tenant
Subproduct: she is suing
Issue: manager is upset
Subissue: we are upset
Complaint_ID: Yes
Date_received:
We have a tenant and a broker however tenant NOW will not pay rent due to for closure of Ocwen. Ocwen will not honor the rent payment - non of this makes sense


Date_received: 03/02/2016,Credit card,,Late fee,,I had not yet received a statement from Best Buy ( Citi bank )
Subproduct: she explained that we had not received a statement yet
Issue: but would be happy to go to Best Buy and pay the balance with interest
Subissue: which she did the following day. Citi bank contacted us demanding we pay a late charge
Complaint_ID: Yes
Product:
 when my wife called a number in response to a recorded message. A rep from Best Buy ( Citi bank ) asked her to pay the balance on the account

Consumer_narrative:
 I explained that we had not received a statement for that month ( we have not received the statement yet 4 months later ) and that I would like them to waive any charges do to the circumstances

Company_public_response:
 the rep refused. I canceled the credit card. Citi calls several times a week asking for us to contact them. I have to no avail


Product: and also told them to contact the person and get their correct information
Subproduct: but they keep sending me his or her bills
Issue: etc. I do not have any accounts with them
Subissue: so it 's not like this is a mix-up. Someone entered some information incorrectly on their end
Complaint_ID: Yes
Date_received:
03/07/2016,Credit card,,Other,,I have been receiving documents from XXXX/Capital One Credit Services addressed to someone who does not live at this address and who I have never even heard of and is not related to me in any way whatsoever. I have called and written to XXXX/Capital One and told them this


Complaint_ID: Yes
Date_received:
03/10/2016,Credit reporting,,Incorrect information on credit report,Public record,EXPERIAN keeps reporting an inaccurate Bankruptcy on my credit report. When disputed the information

Product:
 I kept getting AUTO GENERATED letters that information was verified with the furnisher thus it should stay on the record. When contacted furnisher- US bankruptcy court XXXX california-they confirmed in writing that they DO NOT REPORT OR VALIDATE any information to none of the bureaus ... VERIFICATION BY EXPERIAN WAS A LIE


Complaint_ID: Yes
Date_received:
Both of the supporting documentations were provided to experian numerous times but I kept getting an AUTO RESPONSE letters one after another in identical format with different dates. When trying to call EXPERIAN


Date_received: 03/10/2016,Mortgage,Other mortgage,Loan servicing
Product: payments
Subproduct: escrow account"
Consumer_narrative: but have never received a proper answer. In a letter dated XXXX XXXX
ZIP_code: no proof was ever sent to me. In other words
Complaint_ID: Yes
Subissue:
I recently sold my home and paid off my mortgage loan with PNC Mortgage. They included a " Servicer Advance Balance '' fee of {$1800.00} in my payoff amount. I had previously made written & verbal requests to have this fee explained to me several years ago and again more recently

Company_public_response:
 2014 ( attached ) PNC responded stating the fee was because the HAMP "" loan modification agreement required PNC to advance payments on your behalf so when the loan modified your account would reflect being current/reinstated '' Aside from the fact that the relevant explanation does n't even use proper English and makes little sense

Company:
 my loan was never past due and never had to be made current or be reinstated. I responded to them on XXXX XXXX

State:
 2014 and stated if they did not provide written proof of this obligation that we could only assume that it was an error. At that time I did not receive the courtesy of a reply thus


Product: and always have been
Subproduct: perfectly willing to pay any fees that I am legally or contractually obligated to pay
Complaint_ID: Yes
Date_received:
I have also attached a copy of my loan modification agreement and nowhere in it does it state that I do or will owe this money nor is there a reference to anything that could be construed as such a fee. Please know that I am


Product: partial phone numbers of relatives
Subproduct: etc. ) and then refuse to provide a report based on the answers
Complaint_ID: Yes
Date_received:
03/10/2016,Credit reporting,,Unable to get credit report/credit score,Problem getting my free annual report,I was unable to get a free credit report from ANY of the XXXX companies at www.annualcreditreport.com. I believe this is by design. They ask questions the average person can not be expected to know ( for example the year your home was built for apartment renters

Issue:
 unless you jump through many more time consuming hoops. They make the process unnecessarily difficult. This website was obviously put up to create the appearance of making an effort to comply with the law


Date_received: 03/02/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: XXXX says my only option is a repayment plan. I have done what the letters say to get help
Company: I called the XXXX counselor but the loss mitigation dept wont allow her to stay on the pone
Complaint_ID: Yes
Consumer_narrative:
My Lender is BOKF XXXX Bank of Kansas City. I contacted my lender when I lost my job back in 2013. XXXX XXXX gave me the number for XXXX XXXX in the loss mitigation dept. then transferred to XXXX XXXX, and XXXX others though my single point of contact was XXXX. I was not able to work with a single point contact so this made getting assistance very difficult. I tried to bring my loan current XXXX separate occasions each time I was given the wrong information where and how to pay. Not XXXX of these employees knew ... XXXX XXXX, XXXX ( underwriter of my loan ), the collections department, 24 hr support member, XXXX XXXX XXXX XXXX told me he was going to text XXXX to ask if it would be okay to bring payment to the branch ) I did get to deposit it however XXXX said that he could n't except it because it was n't the full amount past due and people get the wrong idea and think everything is okay with their mortgage and then they get foreclosed on. The application I had to complete I was given ten days, 14 days, told my application was missing documents and I need to send them ( for the XXXX 3rd time ) quickly because my papers were on a stack on the attorneys desk it just has n't been picked up yet to be foreclosed on. By the time I received an answer about my approval for a forbearance plan I had a letter in the mail saying the forbearance is revoked for failure to pay the payment in the agreement I never received notice about. I find steady work again so they do a loan modification, it made my payments higher and they never sent them back to me with the banks signature. Unemployed again now for reasons beyond my control. Now I have XXXX XXXX, XXXX, and another gentleman. My house gets auctioned off in 19 days. XXXX would not let the housing counselor stay on the line with me to ask about a special forbearance or repayment plan. They lost my paperwork to make the application complete. I have the conformation page that shows I sent those documents. XXXX says I have no options, the other gentleman states he does have the " missing '' documents but its to late I do n't have a job so they cant help me


Date_received: 03/02/2016
Product: Credit card
Issue: Closing/Cancelling account
Company_public_response: so I hesitated
ZIP_code: to which I was told I could not. He is the head of credit I was told by XXXX or XXXX
Date_sent_to_company: the line went silent for a long while ; I thought maybe we were disconnected
Consumer_disputed: or that
Complaint_ID: or that this happened to you ''
Consumer_narrative:
Paypal continued to harass me about opening a credit account, so finally I applied and opened an account in XXXX 2015. Less than 2 months later I received a notice that my account was closed because Paypal had not updated my new address. I received the notice at my new address. I contacted them and was informed that they would reinstate my account but that I was forced to allow them to run a " soft credit '' report in order for them afterwards to reinstate my account

Company:
 but then agreed. We had an agreement. I also filed a seller complaint against a merchant who misrepresented an ad where I received merchandise not resembling the ad 's description. I faxed all relevant documentation to Paypal timely. Instead

State:
 the letter I received from them in XXXX stated that my account was closed and the dispute was closed ; the letter was also very vague. I immediately contacted Paypal and that is when I was forced to submit to a soft credit check then my account would be opened. They never re-opened it and the dispute was never properly followed up on. I have made several calls since then requesting to speak with XXXX XXXX

Submitted_via:
 so very ghetto behaved loser in escalations? She also told me that "" I am the highest you 're going to get next to XXXX XXXX ''? When I was speaking with her

Company_response:
 but she was just playing hoodratty games and giggling at my dismay and disappointment with the illegal treatment. I terminated the call with her at this point. Called back later

Timely_response:
 spoke to XXXX who then transferred me to XXXX where all he did was say "" I 'm sorry you were told that


Date_received: 03/07/2016
Product: Credit card
Issue: Billing disputes
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/16 I reserved a hotel room for my adult nephew using my Chase Visa credit card. On XXXX/XXXX/16, my nephew arrived at the hotel and gave his credit card to pay the room and for the costs of any expenses incurred during his stay. I never authorized the Hotel ( XXXX XXXX XXXX XXXX ) to charge anything to my credit card as I was not the guest. I never signed filled out an authorization nor did I sign any credit card slip. I received my credit card statement last week from Chase and saw XXXX ( XXXX ) charges ( {$1300.00} and {$6.00} ). I called Chase to dispute the charges and Chase refused to accept my call as a dispute. While I was on the telephone with the Chase representative today, he put me on hold and purportedly called the hotel. Chase said the hotel was n't willing to reverse the charge and that I was responsible for the charge. I asked that the disputed charge be marked as disputed and held without interest accruing until I had an opportunity to speak with an attorney. The Chase representative stated that they would not mark the charges as " disputed '' and if I did not pay them


Date_received: 03/10/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Used obscene/profane/abusive language
Consumer_narrative: I received a phone call from a " representative '' of I.Q. Data International
State: but I called back despite. I was greeted by an operator
ZIP_code: told them my account rep 's name
Complaint_ID: Yes
Company_public_response:
 Inc ( dba Rentcollect Global ) on XXXX/XXXX/2016. The person asked for myself or my wife and I acknowledged that I was the correct person to speak with about the matter. XXXX was told the conversation was being recorded ( I hope it was

Company:
 though i truly doubt it ) and I agreed. I told them I had just received a letter regarding the supposed debt and was responding to dispute said debt. I was cut off immediately with a rude and angry tone stating that I should tell them of the dispute. I said it 's all in writing and should be in their hands any day. She ( now yelling ) told me that they do n't respond to written letters and that you deal with this on the phone. I explained that the letter their office sent me states otherwise. It clearly states I have 30 days to respond and they will secure proof of debt ( which is a bit absurd ... why would they not have it now ). I doubt she heard all of this as she was shouting something over top of me and then continued to yell after I stopped talking stating I was refusing to cooperate and she "" hopes I enjoy my debt on my credit report ''. She then terminated the call. I pulled out my letter and noticed the "" account representative '' was NOT who I spoke with and is probably ficticious

Submitted_via:
 and gave them my account number after being asked for it. Put on hold. He came back and asked if this was XXXX. I said Yes. Hold once more. When the line picked up again

Date_sent_to_company:
 it was the same abusive woman that I had dealt with previously. I asked for the account rep printed on my paper. She told me SHE was my representative. I asked if she 'd answer my question and she began shouting again about how I was refusing to talk and a few other things. I finally waited for her abusive tirade to stop and asked for her supervisor. She did n't acknowledge. I firmly stated it a second time. She said "" Super '' and put me on hold. I got a supposed manager on the line that basically provided lip service that "" they would look into the representative 's behavior ''. No apology

Company_response:
 just lip service. I asked them if they could answer my question that their rep refused and was told yes. I read the letter I received. I asked if it was true that I could dispute via mail as stated in the letter. They said yes. I said that I doubted they would actually look into my situation with the rude rep but reiterated that I would be sending my dispute. I also added that if I ever receive abusive phone calls again


Product: Inc."
Subproduct: NH
Issue: 031XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 03/10/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company believes complaint represents an opportunity for improvement to better serve consumers,I.Q. Data International


Date_received: 03/02/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: XXXX and XXXX. It has now been 90 days and I continue to fax
Company: email
Complaint_ID: Yes
Consumer_narrative:
I have disputed the account : XXXX & XXXX XXXX XXXX with XXXX Equifax , and XXXX due to Fraud. I contacted XXXX XXXX XXXX & XXXX after Equifax stated the information came back verified as accurate. XXXX XXXX XXXX assured me they sent an AUD to have the information removed from all XXXX credit bureaus. I requested a copy and forwarded the letter from XXXX signed by the Credit and Collections manager, with a screenshot of the updating the removal of account and email correspondence. Equifax refuses to remove this fraudulent account from my credit bureau file. I have called over 30 times between XXXX XXXX and XXXX XXXX and my request to have the item investigated to be removed. I am transferred from XXXX agent to another, then a different supervisor who advises " we will open a dispute and provide the results in 30 days ''. This response was given in XXXX


Complaint_ID: No
Date_received:
I have a trustee sale date of XXXX/XXXX/XXXX, but I can prove I am not in the trust that is moving against me. SPS ' response to my debt validation request was to say that XXXX as trustee for a securitized trust " owns '' the notes


Product: the Notice of Default
Complaint_ID: No
Date_received:
Their are many issues associated with the standing issue. None of the actions taken against me would have been by the correct party


Complaint_ID: No
Date_received:
Legal documents that were used against me relating to bank standing were altered. The copies of notes used to prove bank standing had undated indorsements in blank. In XX/XX/XXXX in response to a QWR


Complaint_ID: No
Date_received:
There are also several serious servicing issues with XXXX and then SPS who was substituted in as servicer for XXXX. When the servicing was moved from XXXX I was in underwriting


Date_received: SPS has violated many servicing regulations
Product: including Single Point of Contact
Subproduct: Dual Tracking
Company_public_response: pretending to follow servicing guidelines and requirements
Complaint_ID: No
Issue:
 and the requirement to offer foreclosure alternative solutions in good faith. They send letters saying that those opportunities are available

Subissue:
 but SPS has blocked every attempt I have made for a foreclosure alternative. Since they stopped the modification I had in underwriting at XXXX

Consumer_narrative:
 I have not had the opportunity to utilize any foreclosure alternative. Many servicers are intentionally deceiving and misleading both the borrower and the regulatory agencies

Company:
 when they are actually trying to sell the property. SPS said they had opened a short sale and I would have four months to list the property and find a buyer. They kept putting me off when I called and then said they could n't open the program because I did n't have a listing. I got a listing which was emailed to them. They emailed confirmation of receipt and said they would respond in writing. They did n't. Then they told me that they had closed out the short sale program because I did n't have "" an offer in hand! '' This entire time

State:
 they refused to send me any confirmation in writing that I was actually in the short sale program and continued efforts to sell the property at trustee sale. When I told them they were dual tracking


Date_received: 03/02/2016
Product: Credit card
Issue: Advertising and marketing
Company_public_response: not reinstating our credit limit
Company: even after the payment has cleared my XXXX account. I could understand a 24 hour
State: even maybe a 48 hour hold to be sure the ACH debit has cleared and funds are received
Submitted_via: she alluded to the fact that when customers increase the velocity of their payments
Date_sent_to_company: thus obtaining the 1 % cash back reward quicker
Complaint_ID: Yes
Consumer_narrative:
I am a Citi Double Cash cardholder and am completely frustrated with Citi, as they have begun holding my payments for up to 10 days for verification before they reinstate my credit availability on the card. We obtained the card last fall and have always paid the card balance in full every month ( sometimes multiple payments per month to keep the balance from growing ). We make our payments electronically, via the Citi website, debiting our checking account at XXXX. The first several months we had the card, Citi would reinstate our credit availability on the card immediately following the initiation of the payment. Due to the velocity of our recent payments, Citi has begun to implement the " hold for verification '' on our payments

ZIP_code:
 but knowing the funds have been transferred to Citi and having them hold them for "" verification '' is completely dishonest and misleading. In speaking with a Citi customer service supervisor today


Date_received: 03/10/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Complaint_ID: Yes
Consumer_narrative:
Experian continues to list a XXXX credit card account on my credit report in violation of the 7 year reporting rule established by the Fair Credit Reporting Act ; last payment on this account was made in XXXX 2008 and the current payment status reported by Experian is " Past Due 180 days '' ; I have disputed this account both with the credit reporting agencies and XXXX directly ; XXXX and XXXX correctly removed the account from my credit reports


Complaint_ID: Yes
Date_received:
03/03/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,I made a dispute with Equifax and it was n't the 1st time. It was the second ; I saw something else that had been sent into collections when I looked at my credit report. I actually check my credit report quite a bit. Any who


Date_received: 03/11/2016,Mortgage,Conventional fixed mortgage,Loan servicing
Product: payments
Subproduct: escrow account"
Consumer_narrative: XXXX
Complaint_ID: Yes
Subissue:
XXXX XXXX, XXXX, XXXX XXXX XXXX, Vice-President Customer Disputes and XXXX XXXX ( that same person I spoke with on XXXX/XXXX/XXXX ), manager Customer Disputes, sent a letter to the NYS Attorney General stating that, " We have completed reconciliations on both accounts and can confirm that the account status on each account is accurate. '' AND "" Account XXXX ( The account in question ) is current. The next payment is due on XXXX XXXX


Complaint_ID: Yes
Date_received:
On XXXX/XXXX/XXXX after receiving a letter from Beneficial stating that we were in a repayment agreement and loss mitigation application that we had not initiated my husband called Beneficial to find out about this mysterious letter. He spoke with someone named XXXX who confirmed that they had made a mistake with the XXXX payment and we were not behind but up to date


Complaint_ID: Yes
Date_received:
Statements for XXXX and XXXX XXXX do not reflect the correct payments that we made and my husband spoke with a XXXX at Beneficial on XXXX XXXX


Complaint_ID: Yes
Date_received:
We also received a letter dated XXXX/XXXX/XXXX from Beneficial informing us that our mortgage loan was being transferred to XXXX XXXX XXXX


Product: Manager Customer Disputes
Subproduct: on XXXX XXXX
Issue: XXXX
Subissue: confirms this and we have the cancelled checks to back it up. I am including that letter
Complaint_ID: Yes
Date_received:
Payment history : Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX we sent Beneficial a total of {$10000.00}. The financial records of our account that were sent to us by XXXX XXXX


Complaint_ID: Yes
Date_received:
03/11/2016,Bank account or service,Checking account,Problems caused by my funds being low,,I received XXXX different checks and while waiting to see if they would clear they put a stop payment on it. It made my account go way negative and what do you know

Product:
 wells Fargo made it to where you could only send direct deposit. They took my XXXX check and I have had to go without for a whole month. You figured that they knew what happened and closed the account for me


Product: I went to the Macy 's store in XXXX
Complaint_ID: Yes
Date_received:
03/16/2016,Credit card,,Billing disputes,,I have been a Macy 's customer for about 40 years. In XXXX 2015 I paid the account in full. In XXXX I received a statement stating I owed {$2.00} with no explanation. I tried calling but was left on hold or the call was dropped. In frustration


Complaint_ID: Yes
Date_received:
They no longer have a credit office. One of the clerks called their credit department and it was explained the {$2.00} was for maintaining the account open!!! I was never noticed that if I have a XXXX balance I would be billed {$2.00} per month. The person agreed to waive the {$2.00}. charge and I told them I would be closing the account. I cut up our cards and sent them a letter telling them to close the account. Then I received a statement from Macy 's adding another {$2.00}. charge plus the {$2.00}. from the previous month for a total of {$4.00}. and giving me a credit on the account of {$33.00} stating it was a refund for a late fee. I did not pay any statements late. The are continuing to bill me {$2.00}. month for maintaining account that I closed in XXXX. I believe the {$2.00} a month fee is illegal. I want them to stop billing me and if they think I have {$33.00} credit

Product:
 I want it mailed to me. If they are billing {$2.00} a month to XXXX of credit customers who have no balance due


Date_received: In response to complaint filed
Issue: I continue to receive credit card statement ( Statement closing date XXXX XXXX
Subissue: 2016 was received on XXXX XXXX
Complaint_ID: Yes
Product:
 HSBC issued a response indicating the credit card account ending - XXXX is closed and that the credit will be deposited to my bank account. Please refer to Case number : XXXX. However

Subproduct:
 the credit has not be deposited into my bank account or been issued a check in the amount of {$98.00}. Furthermore

Consumer_narrative:
 2016 ). I understand Consumer Financial Protection Agency can only prompt the business to issue a response


Product: who transferred me to XXXX
Subproduct: who transferred me to XXXX who transferred me to supervisor
Subissue: like this should make me feel better. Why do I
Complaint_ID: Yes
Date_received:
03/11/2016,Bank account or service,Savings account,Deposits and withdrawals,,On XX/XX/XXXX a "" Small Balance Adjustment '' of {$.00} was made on my account. After spending 45 minutes of my time and speaking with XXXX

Issue:
 XXXX I could not get a resolution. XXXX informed me someone from escalations would return my call within 24 hours. This is the third occurrence of this nature. On XX/XX/XXXX a "" Small Balance Adjustment of {$1.00} was taken from my account and again on XX/XX/XXXX another "" Small Balance Adjustment of {$1.00} was taken from my account. After spending hours of my time trying to resolve the issue I submitted a complain to the Consumer Financial Protection Bureau on XX/XX/XXXX. Per conversation with XXXX XXXX from Bank of America ( XXXX XXXX ). he informed this was a computer glitch and it would be resolved by XX/XX/XXXX. The XXXX "" Small Balance Adjustment of {$1.00} each were returned to my account. If this computer glitch was resolved by XX/XX/XXXX why is it still happening on XX/XX/XXXX? I was informed by your customer service representative that I am not the only person having this problem

Consumer_narrative:
 as a Bank of America customer have to spent my time addressing the same issue month after month. You

Company_public_response:
 as Bank of America employees get paid for your time. No one pays me for the time I spent trying to resolve this issue. I need a reason this keep happening and what you are doing to resolve the issue. Sorry


Date_received: 03/16/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
Company_public_response: Equifax
Company: etc and every time
ZIP_code: XXXX
Submitted_via: etc. ) must not be transmitting the data. I 've been to XXXX XXXX
Complaint_ID: Yes
Consumer_narrative:
This is a long store, it started back in XXXX with a XXXX, the plaintiff decided he did n't like my insurance companies offer and took me to court. His car was a flood vehicle with XXXX miles on it and when it went to court, the judge awarded him {$1000.00} for his trouble ( NJ XXXX had offered him more but he did n't want that ). This little ding went into public records even though the insurance company paid it immediately. It was n't discovered until 6 months later when I pulled my credit rating which was in the high XXXX, low XXXX and found that Equifax had dropped my score over XXXX pts. I sent them evidence ( scanned payment from NJ XXXX XXXX and they would not accept it. It was n't until I hired an attorney and got the attorney from NJ XXXX involved that Equifax accepted the documentation. They would not correct my score, only stated that it would stay on my report until XXXX. Since I used to have a stellar rating I assumed that it would correct itself in time. That has not been the case. I have purchased multiple " XXXX Score and Rating '' reports from XXXX

State:
 Equifax neglects to provide any information. When I contact them they state that my credit companies ( XXXX XXXX


Date_received: The incident numbers below are over several years
Complaint_ID: Yes
Product:
 as I have been trying to resolve this for that long. I also hired an attorney to look into the issue and after his communications


Complaint_ID: Yes
Date_received:
At that time she was asked a series of questions by several "" fraud inverstigators '' from Capital One. They said that their investigation would take 10 days. Over the next several days my mother a number of attempts to contact the bank branch manager

Product:
 XXXX XXXX XXXX by telephone. Each call was met with "" we 'll take a messge for XXXX . XXXX. '' However


Subproduct: DE XXXX Also I disputed both of these accounts with the CRA 's. The Barclay account # XXXX
Complaint_ID: Yes
Date_received:
03/07/2016,Credit card,,Other,,This complaint is in reference to a Barclay account. On XXXX/XXXX/XXXX I sent a request certified mail for a copy of the ACH/electronic payment authorizations ( see attached Barclaycard Letter to Send Request

Product:
 Barclaycard certified mail receipt and BarclaycardletterforACH ) because this account seems to have been confused and link to a bankruptcy that I filed in XXXX ( see attached BarclayBKACHaccount and Barclayincorrectinfo ) I have not heard anything back from Barclay in reference to the request for ACH/electronic payment authorizations. I checked in person with the Post Office on XXXX/XXXX/XXXX it has been delivered to the P.O. Box but never pickup. I used the address provided by Barclay in the CFPB complaint response # XXXX at the bottom of their letter Card Services P.O. Box XXXX XXXX


Product: Inc."
Subproduct: NJ
Issue: 08081
Consumer_narrative: N/A
Company_public_response: Postal mail
Company: 03/22/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/21/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 03/24/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Credit decision / Underwriting
Company_public_response: he reviews my file. It takes only seconds for him to say
State: then I would have known that there was no way for me to qualify at this time
ZIP_code: and therefore would not have submitted to a credit check. Instead
Company_response: based on how quickly the system rejected to extend an offer of credit
Timely_response: and how quickly their agent rejected to extend an offer of credit
Consumer_narrative:
I responded to a Quicken Loans solicitation to Refi my home. After going through an XXXX process online, the system then pulls my credit. That 's fine, I expected them to. However, it instantly came back with 'It does n't look like there is anything we can do for you '. It then says I can call our XXXX number, or chat with an online rep. I 'm not pleased because I do n't want unnecessary credit checks on my credit if there is absolutely no way to qualify. I decide to engage in a chat. Well, after talking with their representative who has the title of " President 's Club Banker '' due to his level of experience

Company:
 'sorry there is n't anything we can do because you need at least XXXX % equity to qualify w/o PMI and at least XXXX % to qualify for FHA XXXX which is all he offered me '. I feel that this is so incredibly deceitful because if I had known what their threshold was for assisting me in refinancing

Submitted_via:
 they bait the consumer with this possibility that I could qualify and thus proceed to allow them to damage my credit with a quite unnecessary hard pull inquiry. As a consumer

Date_sent_to_company:
 I certainly would want to try and lower my monthly payment and felt it very possible to qualify since my current loan is $ XXXX and my home appraised for $ XXXX only 3 months ago. However

Consumer_disputed:
 it was quite clear that they operate within strict ( and pre-established ) guidelines that even consumers who are in a positive equity position ( like myself ) will get denied ( and frankly did n't even come close to qualifying - he said I needed at least {$35000.00} cash down at time of refinancing! Seriously? ). So

Complaint_ID:
 I sit here frustrated and upset that I felt baited into this hopefulness that I could lower my monthly payment and save some money to help with my other monthly obligations for my family to be in a more favorable position in our financial situation. This felt misleading and deceitful. I am trying to strengthen my credit score and this did the exact opposite. It would have been easy enough for Quicken Loans to generalize what their predetermined qualifying criteria was on perhaps their first application page ( or in the solicitation itself - clearly marked ) which would help consumers make wiser decisions upon whom to attempt to apply for an offer of credit vs. attempting to apply for an offer of credit where there is absolutely no way at all that I would be offered credit. I am very displeased at having my credit harmed when a ) there was no way I would qualify and b ) my credit was never even a deciding factor in the decision - since it was entirely based on loan-to-value criteria that was never spelled out ( or even generalized ) for the sake of educating consumers. I 'm tired of being tricked


Product: it had a {$20000.00} minimum. When the account dipped below that
Subissue: and if there is no money coming or going
Consumer_narrative: there 's not even any service for them to render besides keeping that record
State: fees for maintaining an account. I see - now it 's not enough for them to consider it valuable
Date_received:
03/24/2016,Bank account or service,Checking account,Problems caused by my funds being low,,Chase bank charges {$12.00} service fees for going under a {$1500.00} minimum ( the lowest they have ). When I got the account from my father 's estate

Subproduct:
 they charged the fee for over a year. I never saw any notification of it. Now I had to use the rest of the money. There 's no way I can reach the minimum or get a deposit of {$500.00}

Issue:
 given that I 'm on XXXX and do n't get the money myself. This whole service fee is questionable and even worse towards low income folk. The lady at the bank said that {$1500.00} was the lowest minimum and that they had to charge this fee for "" holding the money. '' I 've got {$30.00} in my account now. There 's not even anything for them to hold

Company_public_response:
 that excuse for them to charge fees. So I 'm going to have to close the account. There 's nothing else I can do. I neither want nor can afford to give them money for free

Company:
 and quite frankly they do n't need these little scams that they quietly increase over time. Fees for using ATMs

Complaint_ID:
 I sit here frustrated and upset that I felt baited into this hopefulness that I could lower my monthly payment and save some money to help with my other monthly obligations for my family to be in a more favorable position in our financial situation. This felt misleading and deceitful. I am trying to strengthen my credit score and this did the exact opposite. It would have been easy enough for Quicken Loans to generalize what their predetermined qualifying criteria was on perhaps their first application page ( or in the solicitation itself - clearly marked ) which would help consumers make wiser decisions upon whom to attempt to apply for an offer of credit vs. attempting to apply for an offer of credit where there is absolutely no way at all that I would be offered credit. I am very displeased at having my credit harmed when a ) there was no way I would qualify and b ) my credit was never even a deciding factor in the decision - since it was entirely based on loan-to-value criteria that was never spelled out ( or even generalized ) for the sake of educating consumers. I 'm tired of being tricked


Product: Inc."
Subproduct: MA
Issue: 02124
Subissue: Older American
Consumer_narrative: N/A
Company_public_response: Referral
Company: 03/18/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Date_received:
03/16/2016,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,Citizens Financial Group


Date_received: 03/08/2016
Product: Credit card
Issue: Billing disputes
ZIP_code: XXXX in person )
Company_response: lagoon and ocean view ''
Timely_response: referring to the XXXX sides of the building
Complaint_ID: Yes
Consumer_narrative:
I made a reservation at a resort for ten nights in a " lagoon view '' suite and paid for it with my Chase Sapphire Preferred credit card. When I arrived and checked in

Company_public_response:
 I found out that the room I had been given had XXXX twin beds and I requested a king bed. They told me there were no other rooms available that night but that the following day one room would become available which had a king bed. The hotel staff advised me that this room was on the first floor and I checked with them twice to make sure that it was the same category of room

Company:
 and they confirmed that it was. It turned out that the room to which I was transferred did not have any view whatsoever of a lagoon

State:
 just the opposing building and some trees. I tried to resolve the issue with the merchant through XXXX different channels ( XXXX online

Submitted_via:
 as well as posting a review online concerning the issue. The merchant did not respond at all to any of the online communications

Date_sent_to_company:
 and the person I spoke with at the resort said something like "" that 's just how we categorize the rooms


Date_received: I subsequently took up the issue with Chase
Subproduct: and then they requested additional documentation from me
Issue: which I provided. Eventually
Consumer_narrative: that Chase would provide no remediation
Company: as long as I did not physically leave the hotel for the entire 10 nights
Complaint_ID: Yes
Product:
 providing them with a description of what had happened. First they incorrectly "" investigated '' a different charge

Subissue:
 I spoke with a member of the credit card 's dispute department who claimed that because I had not left the hotel premises for the duration of the stay

Company_public_response:
 even though the room description did not match the room I received and the merchant had not been responsive to repeated attempts to resolve the issue. The representative confirmed as accurate my understanding of their claim which was that

State:
 it did n't matter whatsoever what the hotel did or did n't do -- no billing adjustment would be provided by Chase. It is my understanding that this policy violates the Fair Credit Billing Act

ZIP_code:
 which is supposed to protect a consumer from "" charges for goods and services you did n't accept or that were n't delivered as agreed. '' Among the documentation I had provided to Chase for the dispute investigation were XXXX photos of the room 's ( lack of ) view

Submitted_via:
 the original booking confirmation which explicitly states that it was a reservation for a lagoon view suite 


Complaint_ID: Yes
Date_received:
03/25/2016,Consumer Loan,Vehicle loan,Problems when you are unable to pay,,I am a XXXX on a fixed income. I have just enough income each month to pay my bills and to feed and provide shelter for me. If I have extra expenses in one month


Date_received: In early XXXX XXXX
Product: I had some extraordinarily large bills to pay. Car registration
Subproduct: and other car repairs that had to be done i.e. replace an old battery
Consumer_narrative: which is all I could send
Company_public_response: and it was applied to XXXX XXXX. Now
Company: I am getting calls twice a day about the XXXX payment. I also received a very disturbing
State: threatening letter from a XXXX XXXX
Submitted_via: including re-possessing my car. I have tried to remonstrate with Honda Financial
Company_response: I have not used the money for unnecessary frivolities.And yes
Timely_response: I yearn to be able to save money each month to cover emergencies such as I have just had
Complaint_ID: and perhaps might be doing this on purpose. I 've had a run of bad luck
Issue:
 as well as one-time medical bills.I tried to borrow money but I was not able to do do that. In any event if I borrow money it makes things worse

Subissue:
 because I go further into a financial hole and can not pay it back.So now I owe {$400.00} for XXXX XXXX which I just do not have the money to pay. I just made a {$400.00} payment to Honda

ZIP_code:
 ( XXXX ) XXXX of Honda telling me that Honda Financial will use every resource under the law to get that payment

Date_sent_to_company:
 to have them understand that I am a responsible consumer who wants to pay her bills on time every month as I have done 5 years. I 've had a run of high expenses that have to be paid

Consumer_disputed:
 but I just do n't have the income to be able to do that. Can you please contact Honda and see if there can be a solution to this impasse between Honda Financial and me? I believe they think I 'm not terribly intelligent


Date_received: 03/25/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Using a debit or ATM card
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/16 about XXXX XXXX I went into Bank of America on XXXX XXXX XXXX XXXX XXXX, MD, XXXX to use the ATM machine and there were people ahead of me trying to use the ATM. A BOA employee of that branch walked pass us and walked into the banking area without speaking. After 20 minutes of waiting in line I was next to use the machine only to find out it was not working. I then began to knock on the main door of the bank to let the employees know inside the bank ( bank tellers were preparing for their day ) the ATM was not working and ignored me. I began to knock again and they all looked at me and turned their backs. The manager of the bank- a XXXX man came over to and started yelling at me through the glass door stating " we do n't maintain the ATM machines ''. '' I am only in charge of the inside of the bank ''. He was so nasty


Date_received: 03/16/2016
Product: Debt collection
Subproduct: Credit card
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Complaint_ID: Yes
Consumer_narrative:
The action of the debt collector is on a expired statute of limitation greater than 6 years old. The debt collector acts as fourth party to collect debt, originally XXXX, then Capital One ( acquired XXXX 2011 ), then indicates current creditor is XXXX XXXX XXXX , XXXX ( debt collector under Federal law is not : A creditor ), and fourth party debt collector XXXX XXXX XXXX XXXX seeks to collect on the " Re-Aged '' debt. The debt is not owed and the debt collector can not act as "" Creditor ''


Product: Inc."
Subproduct: TX
Issue: 775XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 03/08/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company believes it acted appropriately as authorized by contract or law,Monterey Financial Services


Complaint_ID: Yes
Date_received:
I have disputed this with all XXXX credit reporting agencies and have also been in touch with our consumer advocate group " Let XXXX know '' on XXXX XXXX XXXX in XXXX


Product: while the application is pending
Subissue: including attorneys ' fees
Complaint_ID: Yes
Date_received:
Civil Code section 2923.6 precludes the recordation of a notice of default where the borrower has submitted a " complete '' application for a loan modification on the first deed of trust

Subproduct:
 or until the lender gives the borrower a written decision regarding the borrower 's eligibility for the loan modification. This section only applies to a first deed of trust on the borrower 's principal residence. If violated

Issue:
 the statute allows for injunctive relief to postpone a trustee 's sale and allows for a private right of action for damages


Complaint_ID: Yes
Date_received:
I have also never been contacted by a single point of contact and Wells Fargo Bank has not explored all foreclosure relief alternatives. Lender Compliance with Civil Code sections 2923.5 BEFORE notice of default can be filed

Product:
 Civil Code section 2923.5 requires lender to contact borrower in default and "" assess the borrower 's financial situation and explore options for the borrower to avoid foreclosure. '' Lender must attempt to make contact with "" due diligence ''. The due diligence required is set forth in the statute. The CA. Homeowner Bill of Rights also provides that dual tracking protections can also protect homeowners who have been previously denied a modification


Product: 000
Complaint_ID: Yes
Date_received:
As a result I have been forced to accept a below appraised value offer on my primary residence in the amount of {>= $1


Product: and still be able to provide the beneficiary with a XXXX repayment
Complaint_ID: Yes
Date_received:
Wells Fargo knows that any sale of my home will make any alleged beneficiary whole and yet they choose to foreclosure over the alternative to provide me with the ability to preserve my equity


Date_received: I would like the CFPB to investigate this dual tracking issue
Product: lack of due diligence issue
Complaint_ID: Yes
Subproduct:
 as I would like my SPOC to contact me to explore all foreclosure relief alternatives to avoid foreclosure


Product: Inc."
Subproduct: CA
Issue: 90247
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/08/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/08/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 03/11/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Company_public_response: two weeks went by with no calls and no response to my calls
Complaint_ID: Yes
Consumer_narrative:
In XXXX my husband and I received a flier for a special Sears Home Services was having for new windows + installation with approved credit and no interest financing for a period of time. We had done all of our research, had been pre-approved for the loan and were ready to buy the product. The saleswoman came to our house and spent THREE hours on the demonstration, even though we told her exactly what we wanted within the first 15 minutes of her arrival. It was after XXXX when she left and I had an 11 month, a young child, and I was pregnant and told her we just wanted to make it quick. She charged the approximately {$10000.00} to our Sears Credit Line. After she finally left, we were told the contractor would be in touch to schedule the work that week. We never heard from him and called him numerous times. ( XXXX of Sears selling points, btw, is that they use their own contractors - NO - they hire 3rd pary independent contractors. We called the sales woman back, customer service, anyone we could think of. Two months had passed XXXX XXXX and XXXX XXXX - I made payments in both of those months. By XXXX I called Sears and said I would n't make any more payments and that I wanted my money back. The customer service representative was very nice this time and said " let me see what I can do '' - that afternoon we heard from the contractor for the first time. He said he would be out the next week to measure our windows. He did n't come when he said so again we called him multiple times. He finally came later that week to measure and said the windows would be installed the following week. Again

Company:
 so I called Sears again and said I would n't make a payment until I received my windows or I wanted my money back ( this was the end of XXXX - three months after the purchase - and I did not make a payment that month ). I did not make a payment in the month of XXXX either

State:
 though the contractor did come back and say he ordered the wrong windows so it would be another few weeks. Our windows were finally installed in XXXX - 6 months after purchase - they ruined some of the walls around the windows and made a huge mess with the installation

ZIP_code:
 but at least we finally had the windows. I did make payments that XXXX and was never late again. I have requested multiple times that Sears have the derogatory remarks removed from my credit report - they held me and my money hostage and of all of the accounts I have


Date_received: 03/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company_public_response: they refused even though they had previously filed for payments
Complaint_ID: Yes
Consumer_narrative:
I went to a XXXX to have XXXX work done. They set an appointment for me, sent a notification reminder, when I arrived I was told since I had n't paid the {$2400.00} " The doctor ca n't see you. I now know this amount was far was way to high for the treatments I 'd received. I was overcharged and previously had paid over {$400.00} in advance. I 'd requested they file with my insurance


Date_received: I am a XXXX XXXX unemployed veteran
Product: living with friends
Issue: in pain and unable to bite normally. They 're failure to complete the work
Complaint_ID: Yes
Subproduct:
 so I 'm homeless. I had XXXX since the XXXX had completely XXXX. I suffer from XXXX that causes headaches and I was left virtually with non-functioning from XXXX


Date_received: I became so desperate a friend sent me another dentist
Complaint_ID: Yes
Product:
 who corrected this XXXX poor quality and incomplete work. The charge was nearly XXXX % less with the new XXXX


Complaint_ID: Yes
Date_received:
The dentist that did n't do the service or provide goods ( my XXXX that function appropriately ) billed me for over {$2400.00}

Product:
 has a collection agency harassing me to pay for goods and/or services I never received and reported the fraudulent amount of {$3000.00} to all major credit bureaus. Now their collection agency harasses me and say they would ruin my credit report. These harassing calls were recorded. Now they have


Product: Inc."
Subproduct: TX
Issue: 76541
Consumer_narrative: N/A
Company_public_response: Phone
Company: 03/14/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/11/2016,Credit reporting,,Incorrect information on credit report,Personal information,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 03/11/2016
Product: Debt collection
Subproduct: Non-federal student loan
Issue: Communication tactics
Subissue: Used obscene/profane/abusive language
Company_public_response: 2016
Company: to offer a settlement agreement on the debt of {$430.00} per month beginning on XXXX XXXX
State: 2016
Date_sent_to_company: but unfortunately FAMS was playing hardball
Complaint_ID: Yes
Consumer_narrative:
Navient hired Financial Asset Management Systems ( " FAMS '' ) to collect on a student loan. I called FAMS on XXXX XXXX

ZIP_code:
 for 24 months for a total settlement on the loans of {$10000.00}. XXXX had previously offered a settlement of $ XXXX FAMS agent stated that they could n't help me for some reason. They said they could n't pull up my account and that they could n't help me

Submitted_via:
 even though I 've been making payments for th past 14 months to FAMS of {$250.00} per month. I recorded the phone call of the agent stating that they could n't help me. I have no idea why FAMS could n't help me because they have been taking my payments for the past 14 months. I called to offer the settlement


Product: Inc."
Subproduct: CA
Issue: 902XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 03/11/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Financial Asset Management Systems


Complaint_ID: Yes
Date_received:
If I was one of the doctors offices that you were representing and this had been outstanding for 4 years

Product:
 I would not be impressed since this is the 1st time that I recall having received a call from this company. I have never had an issue with paying my bills


Date_received: I understand that you have a tough business
Issue: in that case please feel free to have SOMEONE ELSE call me back to further discuss. Or
Subissue: if this is your common way of handling business
Company_public_response: by not making contact for 4 years and then when you do finally make contact
Complaint_ID: Yes
Product:
 but rather than treat every person that you call like a POS and try to bully them into paying you and making you go away

Subproduct:
 you might want to consider trying the kind ( you get further with honey than you do with vinegar ) approach. Maybe I just received a call from someone that was having a bad day or that was not properly trained

Consumer_narrative:
 please be sure to understand that I WILL find out what doctors use your service and make a formal complaint about the way that you "" handle '' your customer service


