# complaints

Date_received: 01/25/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Complaint_ID: Yes
Consumer_narrative:
We have been struggling financially for over a year now. Due to circumstances, we were not able to refinance our loan as we had planned. We did attempt to obtain a loan modification. For over 4 months I dealt with mortgage company providing them, over and over again, with documentation they requested. Finally, they said they had all documents they needed and I needed to complete a trial to be eligible for the modification. They said I needed to make special payments for 3 months, which I did, on time, even a month early. They said for me not to pay anything else until XXXX XXXX. After those three months were completed, they mailed me a modification letter that I had only a couple of days to read, understand, sign and return. They modification would help a little, but it would n't have helped us in the long run. Meanwhile we were able to repair the home well enough to finally be able to refinance our home with an FHA loan. We decided that we should refinance instead. We completed all we needed to refinance the house, but when the loan officer requested our payment history from the current mortgage company, it showed we were 3 months behind in our payments, which I knew nothing of. It took two phone calls for me to find out what was happening and I ask them to fix the situation so I could refinance, but they refused. They claimed the payments I had made for the trial were just to catch up what was behind XXXX they payments were larger than my usual monthly payments ) and I still owed for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I paid those three past due payments in XX/XX/XXXX, however XX/XX/XXXX and XX/XX/XXXX still appear over 30 days late on my payment history and because of that NO ONE will consider refinancing our loan for another 12 months. I had no idea our payments were so far behind. I was simply doing as I was instructed my the loan company regarding the modification, which I thought would help us and the company managed to drag this situation out for months. Now we are stuck. We can not accept the loan modification, we can not refinance, we can not afford to pay the 8.9 fixed interest rate and fees on our loan. We have a nice home with excellent equity and need to refinance to pay our debts and lower our rates. All we need is our payment history modified so that we can obtain the loan. I feel like the loan modification process was not handled well, as they constantly " lost '' documents I had sent in


Date_received: 01/09/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Company: if one were to pay off the loan by making double monthly payments
State: that I would pay double the amount of the loan
Complaint_ID: Yes
Consumer_narrative:
I used Discover Student Loans to take out a bar loan to sign-up for a bar prep course. I have been making monthly, on-time payments on the loan for over 2 years. The balance of the loan has actually gone up rather than going down, as one would suppose would happen. After researching the issue, I realized that Discover 's minimum payment amount was broken down in such a way as to ensure that the interest will always be XXXX times higher than the principal - high enough to ensure that the balance of the loan remained the same or slightly ticked up through the duration of the " repayment ''

Company_public_response:
 thus ensuring that the loan would never be paid off by simply applying minimum payments. All of this means that at 7 % interest


Date_received: 01/14/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Problems when you are unable to pay
State: today
Complaint_ID: Yes
Consumer_narrative:
I took out a loan from XXXX Boulevard Cash '' back in XXXX 2015. Unfortunately, due to circumstances, I have not been able to re-pay the loan. While I understand this is a debt that must be paid, I can not make the payments right now. I have communicated that to the debt collector " XXXX XXXX '' who calls me on a weekly basis to follow-up with my status. Back in XXXX 2015

Company_public_response:
 XXXX XXXX started calling my work daily and would give information to my colleagues. Since I work at a XXXX

Company:
 the debt collection calls at work were inappropriate and I contacted Boulevard Cash to stop calling me at work. They agreed to remove my work phone number. However

ZIP_code:
 I received a voicemail from Boulevard Cash at my work number. XXXX XXXX was following up on the same debt that has been pending with Boulevard Cash. I have asked for him to provide me IN WRITING with the debts that are owed. He stated on XXXX different occasions that he would and I sent an e-mail to "" XXXX XXXX '' to give me the debts in writing as well

Submitted_via:
 with no luck. I would like Boulevard Cash to be made aware that they CAN NOT call me at my work number. The only number that I should be contacted at is my cell phone number


Product: Inc."
Subproduct: TX
Issue: 76109
Subissue: Servicemember
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 01/14/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
01/14/2016,Debt collection,Credit card,Cont'd attempts collect debt not owed,Debt was paid,,,Portfolio Recovery Associates


Subproduct: these accounts were placed in a cease status
Issue: which resulted in no further contact
Subissue: written or otherwise
Complaint_ID: Yes
Date_received:
XXXX, in a response dated XXXX XXXX, XXXX to CFPB Case # XXXX, stated : " XXXX did not provide validation of debt in response to your XXXX XXXX

Product:
 XXXX request for accounts ending in XXXX and XXXX due to the fact that your letter requested that we cease contact with you. Accordingly


Date_received: In a response dated XXXX XXXX
Product: XXXX to CFPB Case # XXXX
Complaint_ID: Yes
Subproduct:
 XXXX admitted that they could not validate XXXX of the debts when they stated : "" XXXX is in receipt of additional supporting documentation for XXXX accounts referenced in your dispute. '' This proves they did not have the validation when it was requested


Date_received: Since XXXX XXXX could not validate the accounts
Complaint_ID: Yes
Product:
 Experian could not have conducted a reasonable reinvestigation to verify the accuracy of the disputed information. The FCRA clearly states that a credit reporting agency must "" verify '' that these items are being "" reported correctly ''. I asked for proof of verification but XXXX relied solely on hearsay information from the information source and shifted the burden back to me to contact the original creditor to verify these accounts


Date_received: XXXX v. XXXX XXXX XXXX
Complaint_ID: Yes
Product:
 XXXX XXXX XXXX ( XXXX Cir. XXXX ) states that the FCRA requires a credit reporting agency to go beyond its original sources of credit information when reinvestigating inaccuracies in a credit report after the consumer informs the agency of those inaccuracies. Experian did not do this. Since the CFPB is the enforcement arm of the FCRA and FDCPA


Complaint_ID: Yes
Date_received:
01/09/2016,Mortgage,FHA mortgage,Credit decision / Underwriting,,Quicken Loans advised me to remove a disputed account out of dispute and into active collections as it was my only option. Within in that time frame 2 days prior to closing Quicken pulled another Hard Inquiry on my credit report without my authorization and it caused my score to drop XXXX points below their acceptable score. This caused our down payment to increase by 1.5 % roughly {$3000.00}. They refuse to honor our original terms and down payment


Product: XXXX XXXX XXXX ( XXXX )
Subproduct: and XXXX XXXX XXXX
Issue: XXXX XXXX
Complaint_ID: Yes
Date_received:
I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Docket # : XXXX IQUIRE THAT I DID NOT AUTORIZE 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/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion


Date_received: 01/10/2016
Product: Credit card
Issue: Credit card protection / Debt protection
Company_public_response: XXXX companys and even suggested i use my "" credit payment protection '' when i said
Company: "" i am self employed and you guys knew that from the start
Complaint_ID: No
Consumer_narrative:
XX/XX/XXXX i found out that one of my XXXX XXXX. my customer had not paid for the work i had done to date and i had no written contract. i called my credit cards all XXXX different companys and asked for the use of my " credit card payment protection '' it goes by many names. i was told flat out that since i was self employed that i could not prove i lost the work. i can prove i lost the work. the end result was that i paid them thousands of dollars over many years ( like 10 years ) for this service and i only needed a few hundred dollars to keep current. they shut off my cards and collapsed my available credit. i needed that credit to keep my business going. i had to take a job working for someone else and hibernate XXXX. three months after my first phone they called begging me to get current

State:
 10 years ago '' they said that maybe they could find a way for me to be allowed to use my "" credit payment protection ''. i was so mad i had to hang up. when its my life and credit and business they cant help me


Complaint_ID: No
Date_received:
01/20/2016,Debt collection,Payday loan,Taking/threatening an illegal action,Threatened arrest/jail if do not pay,Not Castle Payday

Product:
 but third party debt collector : -Phone number XXXX XXXX Department of State Division of Corporations Entity Information The information contained in this database is current through XXXX XXXX


Date_received: XXXX ID # : XXXX Initial XXXX Filing Date : XXXX XXXX
Subproduct: NEW YORK
Issue: XXXX Registered Agent & lt ; Begin & gt ; Agent called my father
Company_public_response: it is resolved that they are NOT licensed in the state of Virginia. Thereby
Complaint_ID: No
Product:
 XXXX County : XXXX Jurisdiction : NEW YORK Entity Type : DOMESTIC BUSINESS CORPORATION Current Entity Status : ACTIVE Selected Entity Address Information XXXX Process ( Address to which XXXX will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Consumer_narrative:
 and let it be known they talked to him first. Began by threatening that I committed fraud by closing my account and they were about to file a lawsuit for fraud. ( Account was closed because of non-authorized withdrawals by unknown entities ) By doing a search on Castle Payday


Subproduct: no pending overdraw
Complaint_ID: Yes
Date_received:
On Wed XXXX XXXX at approx XXXX in the XXXX I checked my bank account and noticed a pending overdraw in my XXXX account in the amount of {$27.00}. This is despite the fact that I have overdraft protection which should have covered the overdraft. Perhaps since it was a " pending '' overdraft it had n't kicked in. So TO BE SURE TO AVOID OVERDRAFT OR FEES I got out of bed

Product:
 put my boots on and walked through the snow to the bank ( at XXXX ) and deposited XXXX dollar to cover the pending overdrawn account. When I got home I checked online and my account was covered


Product: my account ending in XXXX
Subproduct: which only hours earlier was positive with nothing pending
Complaint_ID: Yes
Date_received:
When I woke up this morning XXXX XXXX and checked my account online my account XXXX was overdrawn by XXXX which included a late fee. The amounts shown were totally different than they had been the night previous ( ie. the debits were in amounts exceeding what was shown only hours earlier so it was not an accurate reflection of anything in my account ) But even more disturbing


Complaint_ID: Yes
Date_received:
The check for XXXX that had supposedly overdrawn my account on XXXX XXXX had now mysteriously appeared


Complaint_ID: Yes
Date_received:
Chase has always had a "" pending '' period during which I could cover a pending debit. Not only did this now happen

Product:
 but transactions appeared a day later than they HAD SUPPOSEDLY POSTED. This is either a glitch or a purposeful way to cheat people. Either way


Complaint_ID: Yes
Date_received:
2. Chase 's online and atm balances were not accurate and did not provide information to me to allowed me to monitor my accounts. In fact they were actually deceptive


Complaint_ID: Yes
Date_received:
01/20/2016,Student loan,Non-federal student loan,Dealing with my lender or servicer,Need information about my balance/terms,I took out a loan with XXXX XXXX in 2009 and have not received my MPN yet. I asked for it monthly for a while


Date_received: 01/10/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company: the back building completely
Company_response: also XXXX bill is the amount with unreturned equipment
Timely_response: as I did return it to them it should be XXXX less approx
Consumer_disputed: {$600.00} and change. I do owe XXXX XXXX
Consumer_narrative:
Hello, I tried to disbute my credit report online but by the time I cut my words to the XXXX that fit in the box, site said I took to long and closed me out. Their were a few issues on my report but the biggest ones were with National grid @ XXXX XXXX XXXX, XXXX, RI, XXXX It was discovered by the company listed above that my wiring and set up for heat was running though XXXX other property 's and the apartment below me! It seems I had been paying partially for their electric and heat. I had a state electrician come out and he said the same. My bills were so unreasonable high! When I called the National grid re : the situation, they stated " it 's the landlords responsibility not ours '' '' I moved out XXXX XXXX because issue was still unresolved. one property did n't even have electric meter but had electric? The same with heat?. the ulitity company knew the situation

Company_public_response:
 along with my landlord. Both did not care that I was paying to heat and light part of downstairs apartment

State:
 and side buildings to what extent I do n't know completely. It was first noted by the company 's own employee when he inspected the ulititys..I informed both landlord '' gave him the report

ZIP_code:
 and informed ulititys company of findings also The landlord was supposed to switch the ulititys to his name as agreed

Submitted_via:
 but from dates on report he just kept running it up. Surprise! I should n't be ... It was a awful time. ..I was put in so much debt just trying to keep them on ... I had custody of XXXX grandsons XXXX & XXXX at the time and I had to pay to keep them on? At the time I moved in I had just won my XXXX case

Date_sent_to_company:
 and recieved a large lump sum which I used mostly to pay those ulititys. I feel like I legally paid enough for a place that was totally rewired illegally? I feel it was wrong of the landlord and the ulititys company to not address and fix the issue! Maybe the company would like to reimburse me for the thousands I paid living there for 5 years XXXX not even knowing. Sorry it still gets to me

Complaint_ID:
 being that the above address was commercial they wo n't forward commercial to residential. I will pay them off. I admit a couple of bills did get pushed aside because of my ulitity costs. I. Noticed a extremely large of inquires on my credit report?


Subproduct: sincerely
Date_received:
I am sure with some digging I can provide you with a copy.. I could n't get all the reports. I will have to Call or mail to order

Product:
 But did see on XXXX and all the inquires on Transunion credit. I know I have some outstanding debt. Probably close to XXXX with right XXXX price adjusted. But being XXXX I do n't recieve a lot from XXXX. I really need to buy a reliable car for all my doctor appointments so it 's important for me to fix these credit issues! I was thinking of maybe taking out a loan. To pay my outstanding debts off and using balance for a car. Because if I do take out a loan for a car my credit is going to hurt the interest rate. But a credit union in RI has loans for cars just for the XXXX. I do n't know. But I would appreciate and cooperate in anyway for your help addressing these issues. Because I just do n't have the XXXX clarity to fight these issues

Complaint_ID:
 being that the above address was commercial they wo n't forward commercial to residential. I will pay them off. I admit a couple of bills did get pushed aside because of my ulitity costs. I. Noticed a extremely large of inquires on my credit report?


Complaint_ID: No
Date_received:
In XXXX I traveled I took frequent trips back home to XXXX due to attend to my mother after her accident. It seemed unreasonable to continue my cable plan with XXXX XXXX XXXX which services I was using since XXXX. I called them and spoke with the costumer representative. I explained my situation, requested for the cable to be canceled and continue my plan with only internet service. I was told it was fine and that my account would be updated. I left the country couple days later and spent almost a month with my mother in XXXX. Shortly after I returned I was surprised with XXXX bill, almost triple more then what I was told I would be paying for internet only. It was almost double of what I used to pay for both internet and cable, before I canceled cable. I called them to clarify. I was told that my rate increased because previous cable rate was a promotional offer which expired, and the regular rate kicked in. I explained that I canceled my cable plan before going away, but the representative could not find any record of it, requested my information and said someone will call me to sort it out. I got voicemail from some woman next day, but when I returned the call, I was placed on hold for a long time. when i finally reached someone, our conversation was disconnected. As I provided my contact info at the beginning, I assumed I will be called again. I got voicemail again next day. I Attempted to call back, but gave up after being placed on hold for almost 30 min. My issue was never resolved, my lease was also up and I decided to move to XXXX. I called again to cancel my entire plan as XXXX does not provide services in XXXX, NY. I switched to XXXX. I covered my last internet bill and returned XXXX equipment couple weeks later. That was in XXXX XXXX. I have not heard anything from them since then. I did not receive any mail from them, or any collection agents. In XXXX XXXX I noticed my credit score decreased significantly. I requested copy to find out why. I learned that collection procedures were now affecting my credit. I went ahead and requested dispute with XXXX, XXXX and XXXX, I explained everything just as I am now. Within 30 days all XXXX companies removed incorrect collection account. My credit went back up. I was convinced this nonsense was over. On XXXX XXXX I received alert from XXXX, my credit dropped XXXX points due to new collection account. It is different company this time " Enhanced Recovery Co


Complaint_ID: No
Date_received:
01/25/2016,Consumer Loan,Vehicle loan,Managing the loan or lease,,We have had this auto loan with Chase Auto Finance since XXXX and have always made our monthly payments. In XXXX of 2015 our financial situation changed and we needed to sell the vehicle. We listed the vehicle on XXXX and found a buyer for the vehicle. The buyers wanted to wire the funds directly to Chase as the buyer was in another state. I contacted Chase for the official payoff amount ( which is what the buyer paid ) and to get the wire transfer information from them. I was notified by the buyer when the funds were delivered and then I called Chase to see if the loan was satisfied and the funds posted. It took a few business days for Chase to be able to tell me the loan was satisfied. When I was told by Chase the loan was satisfied and the vehicle was delivered with a bill of sale. I was then sent in the mail a lien release signed by Chase and notarized receiving it the next week along with a check for the overpayment. I did not hear anything from Chase until they called me three weeks later to tell me my last loan payment was not received 9 days ago. I told them I sold the vehicle and it was delivered after they told me the loan was satisfied. I also told them I had a lien release. They tell me the day after the lien release was completed the funds were reversed from the account so I am now responsible. They would not at first give me the information listed on the "" check '' they say they received for the payment

Product:
 but they finally did after arguing with the customer service person. Of course the buyer a dealer is not answering the phone. But why did Chase state the loan was satisfied before it was and if it was official


Date_received: They also do not provide "" Credit Scores ''
Complaint_ID: No
Product:
 which must be purchased separately. The annual reports should contain any and all information reported on citizens provided to others


Product: Inc."
Subproduct: AP
Issue: 96351
Subissue: Servicemember
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 01/10/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: No
Date_received:
01/10/2016,Debt collection,I do not know,Disclosure verification of debt,Not given enough info to verify debt,,,Portfolio Recovery Associates


Product: and noticed that Chase made incorrect calculations. On the application
Issue: respectively. It also
Complaint_ID: Yes
Date_received:
Chase said, " we 're unable to create an affordable payment equal to the required percentage of my reported monthly gross income without changing the terms of my mortgage beyond the modification program 's requirements. '' I reviewed the documents further

Subproduct:
 SECTION XXXX : Net Present Value or Eligibility Data showed my monthly Gross income and Montly Net Income as {$0.00}


Product: Inc."
Subproduct: OR
Issue: 97230
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 01/28/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
01/25/2016,Debt collection,I do not know,Cont'd attempts collect debt not owed,Debt is not mine,,,Convergent Resources


Subproduct: along with many other scam artists like this
Complaint_ID: Yes
Date_received:
This is my former married name. I called the number back and the person stated they were representing Fifth Third Bank and the charges were Breach of Financial Contract and some type of Fraud. I advised I had an Attorney as this was under a bankruptcy and the call ended abruptly without any information being shared regarding this. I called back and asked to confirm the information that was told to me and a gentleman answered and responded with " since you know everything I really should n't have to tell you anything. '' I shocking said "" what kind of business is this? '' He replied "" again ma 'm

Product:
 since you apparently know everything do n't you need to tell me what kind of business this is ... i do n't need to tell you anything '' and hung up on me. Absolutely shocked I immediately called back and talked to the original person I talked to the first time and confirmed the "" charges '' that were to be put on me for this debt and again informed this person this was under an active bankruptcy and i have an attorney and reminded him of the law. I also asked him what the name of his business was and all he would tell me is the Law Offices of XXXX located in Tennessee. That 's all he would tell me. My initial findings is that business does not exist and i do not think this credit collections company is legitimate as after talking to my Attorney he informed me the company handling this particular debt is in New Hampshire and it 's not this company. This


Product: XXXX XXXX
Subproduct: kept trying to put the minor credit cards
Complaint_ID: Yes
Date_received:
Between XXXX and XXXX there were continual requests by XXXX XXXX for differing types of paperwork. All requests were responded to in timely manner. XXXX XXXX would alternately use the terms "" investors '' and "" VA. '' I was confused as to who was providing the money for the refinance and could never get a real clarification from XXXX XXXX. Additionally


Date_received: In XXXX
Complaint_ID: Yes
Product:
 XXXX XXXX contacted me and stated that the "" investors '' wanted to know why I had student loans. I found the question ludicrous and bordering on idiotic-especially given the fact that at no time since XXXX XXXX 's initial contact had I ever done anything other than point out the amount of my student loans. Furthermore


Date_received: In XXXX
Subproduct: XXXX XXXX
Issue: 2015
Complaint_ID: Yes
Product:
 XXXX XXXX XXXX sent a notice to my insurance agent that the payee for any claims was to change from XXXX XXXX XXXX to XXXX XXXX XXXX. I contacted XXXX XXXX and inquired if this meant that the loan was to go through. XXXX response was that "" it was 99.9 % a go. '' On Monday


Complaint_ID: Yes
Date_received:
01/14/2016,Debt collection,Payday loan,Cont'd attempts collect debt not owed,Debt is not mine,Company named Accelerated Financial Solutions 


Product: LLC"
Subproduct: WI
Issue: 541XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 01/19/2016
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,Accelerated Financial Solutions


Complaint_ID: Yes
Date_received:
01/25/2016,Credit card,,APR or interest rate,,Almost 1 year ago I purchased furniture on credit card XXXX ( TD Bank NA ) .Account number is XXXX. XXXX/XXXX/2016 I made the last payment XXXX 

Product:
 after this payment my account balance became XXXX . At XXXX/XXXX/2016 I called to costumer service by number XXXX


Date_received: After
Subproduct: and I did not have to pay any interest
Complaint_ID: Yes
Product:
 I received e-mail that informed me that I have to pay {$700.00} interest at XXXX/XXXX/2016. But at that time my account was fully paid off and closed


Date_received: 01/10/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
Complaint_ID: Yes
Consumer_narrative:
XXXX charged my account {$12.00} even after I checked it as " Do not renew ''. This is for a XXXX account. This was paid for on a pre paid card through XXXX. I called XXXX


Complaint_ID: Yes
Date_received:
01/14/2016,Credit card,,Transaction issue,,I returned some products to Macy 's via USPS ( they had been purchased online ). Upon rI requested a refund to my method of payment which happened to be my Macy 's credit card. Instead they issued me a gift card. It took me over a month to get them to cancel the gift card and return the amount to their proprietary card. At the same time


Product: I had made XXXX successful payments on time with this current loan
Complaint_ID: Yes
Date_received:
My financial situation became dire last year due to some increased financial obligations to family members and house that we recently took over. Prior to these sudden changes


Date_received: Due to falling delinquent around XXXX of last year
Product: I attempted to make several arrangements to catch up but fell short. As a result of that
Issue: I was advised by XXXX XXXX that Lending Club already charged off my loan. When I was told that
Complaint_ID: Yes
Subproduct:
 around XXXX of last year the loan was referred to a collection agency called XXXX XXXX. I began working with them to establish a payment plan. I was able to commit to {$110.00} dollars or so over a 20 month period just to get Lending Club some sort of payment. I made XXXX payment in XXXX. When XXXX 's payment came around


Complaint_ID: Yes
Date_received:
Every time I called Lending Club they they said I could n't speak to them and I needed to speak to XXXX. When I called XXXX


Product: "" how can a person who ca n't pay X
Subissue: and now that I have a horrible credit score
Complaint_ID: Yes
Date_received:
Today is XXXX and I have sent XXXX emails and made several calls to Lending Club ( to which I finally got a call back ). I wanted to discuss settlement options with them to alleviate the balance owed as my credit score dropped to the XXXX range from around XXXX. The settlement option they gave me was over a 12 month period for a balance of about {$24000.00}. I told the representative on the phone that I fell behind on my monthly payment of {$1000.00} and for them to expect me to pay double that per month over 12 months was assanign. I had to ask the representative the following question twice

Subproduct:
 now be expected to pay double the balance at Y? '' I need assistance here for this matter as I 've never had a delinquency before. I am a single income supporting my wife and XXXX children and I want to make this right. To add insult to injury

Issue:
 I just got into a car accident last week and I feel my car might be deemed salvaged by the insurance company given how old it is. So my only form of transportation to work might be taken away


Complaint_ID: Yes
Date_received:
01/20/2016,Debt collection,I do not know,Communication tactics,Frequent or repeated calls,Company called my wife and I several times with a recorder message saying I was a person of interest and that we or our legal representative should call back to make a statement. Not sure what this means bet they called with XXXX different XXXX area code # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


Date_received: 01/20/2016
Product: Debt collection
Subproduct: Payday loan
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Company: not listening to me when I told them that they are required to show me proof of this debt
State: that I wanted a letter and statement with my account number delivered by certified mail
Complaint_ID: Yes
Consumer_narrative:
I received XXXX phone calls yesterday from a supposed " litigation firm '' threatening me with check garnishment. I hung up on the first call because this supposed "" litigation specialist '' did NOT read the debt collecting disclosure "" I need to let you know that this is an attempt to collect

Company_public_response:
 and any information will be used to collect on this debt .... '' etc. They called me back immediately with the same nonsense- talking over me


Complaint_ID: Yes
Date_received:
The first call was at XXXX XXXX and lasted 4 minutes ; the XXXX call came at XXXX XXXX and lasted for 5 minutes. These people will absolutely edit or shorten recorded calls to prove that they were n't making threats and were n't being unprofessional. If they want anyone to listen to their calls to prove they 're not acting like lunatics


Product: including the account number of the debt they 're saying I owe
Subproduct: the breakdown of the balance
Issue: the name of their company
Subissue: where they 're located
Company: come on- anyone can XXXX names of people and see who they 're connected to online
State: and the ages/cities
ZIP_code: etc.
Company_response: you 'll see a litany of ripoff reports/scam alerts. They said on the phone they are called XXXX
Timely_response: XXXX and XXXX
Complaint_ID: Yes
Date_received:
I asked both the "" litigation specialist/debt collector '' and the supervisor for specific information

Consumer_narrative:
 their website address. ( The first caller also told me that it 's not a debt collection agency and that the debt was getting ready for garnishment. The debt they 're saying I owe is $ 185'ish ). Re : the website. The man first said that their website was under construction ; I asked to see it anyway. He began threatening me and taunting me with garnishment

Company_public_response:
 asking me why I was arguing over them not having a website and named off people that I have listed as references in the past. I mean

Submitted_via:
 of these people ). I had asked for a supervisor after I could n't get a legit physical address or website. He then transferred me to someone equally ridiculous. The supervisor gave me this website below : http : //apirecoverysolutions.com/ As you 'll see

Date_sent_to_company:
 it 's a XXXX website. I 'm thinking that any litigation firm that wants to be taken seriously will pay for a website NOT powered by XXXX. If you XXXX XXXX XXXX XXXX


Date_received: I would n't give a dime to these people
Subproduct: official and detailed proof of the debt
Complaint_ID: Yes
Product:
 even if this debt was sent to them by the payday loan provider ( which I honestly doubt is legit because payday loans- I do n't do them anymore- are debited from your checking account through your debit card number by the due date- I can not stop it. ) I know that it 's on them to provide valid


Product: but when I asked what the XXXX in the business name stands for
Subproduct: she said "" XXXX
Issue: XXXX and XXXX. '' I told her that I 've been told XXXX
Complaint_ID: Yes
Date_received:
I called them TODAY to get a physical address and some names ; the woman who answered would n't give me her name


Complaint_ID: Yes
Date_received:
The phone number on their website is XXXX. They 've also called me from XXXX. When you call the XXXX number


Product: Inc."
Subproduct: CO
Issue: 80220
Subissue: Older American
Consumer_narrative: N/A
Company_public_response: Postal mail
Company: 01/20/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
01/20/2016,Credit reporting,,Incorrect information on credit report,Reinserted previously deleted info,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Product: some the same amount
Complaint_ID: Yes
Date_received:
However State Wide told me that there was no bill for the amount they had reported to the Agencies. And they had no bill for this amount came from their client, The XXXX billlinh system in convoluted and difficult to follow. The bills dont carrry an account number or an invoice number that you can track. Each bill, even rebills all carry a separate " MRN '' number.You are not sure where rhe bills


Complaint_ID: Yes
Date_received:
The credit bureaus keep telling me that they ca n't change the " Status - Included in Bankruptcy '' tag


Complaint_ID: Yes
Date_received:
Pennymac has treated me like a second class citizen and has completely disrespected me at every turn. Because of this experience


Date_received: Additionally
Subproduct: XXXX
Complaint_ID: Yes
Product:
 please have them immediately remove any reference to Status - Included in bankruptcy from my consumer credit files with XXXX


Date_received: 01/11/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Settlement process and costs
Company_public_response: Embrace 's Compliance Officer
ZIP_code: my response was
Submitted_via: "" if you want to refund me for the poor service please send the check
Complaint_ID: Yes
Consumer_narrative:
I had been refered to XXXX XXXX with Embrace home loans in XX/XX/XXXX when I was trying to purchase a condo unit on XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX, Ma. Because the homeowners association was in financial trouble I had a difficult time to fine a mortgage company that could lend to to. XXXX was honest and said due to the financial state Embrace would not lend to it. We continued to work to purchase other properties but none materialized to a closeing. XX/XX/XXXX another unit # XXXX became available. I spoke with XXXX in lenght regarding the concern with the finanical state of the associate and urged him to bring the condo questionaire to the underwriter to ensure they could in fact lend to the loan. Originally I was going to buy the unit as an investment but the rates were high and with XXXX 's advise I switched the loan product to a XXXX home, in XX/XX/XXXX. XXXX and I did have words over the interest rate, XXXX wanted to continue to charge me the investment interest rate instead of adjusting it to the XXXX home interest rate. After getting quotes from other lenders XXXX matche the competive rate of 4.25 % interest with XXXX % down. XXXX all along had told me it would be 10 % down and on XX/XX/XXXX XXXX supplied me with a committment letter stating such to the seller. On XX/XX/XXXX ( 4 business days prior to the close of the loan ) I recieved an email from XXXX who was upset becasue his underwriter was requesting the condo association budget. I was confused because XX/XX/XXXX I warned XXXX to notify the underwriter about the potential financial state and I assumed in the questionaire the underwriter would have requested this XX/XX/XXXX not 4 business day prior to the loan closing. XXXX later that day notified me that I now had to put down XXXX % which was roughly an extra XXXX that I was not counting on. When I asked to speak with a XXXX there was no XXXX available, a did speak with a supervisor who stated ( and I paraphrase ) " you have the money so what 's the problem. If you want the condo you have to pay the extra. '' XXXX I could not get another extention on this loan because of the short sale process and the long process we went throught with finalizing a loan product. XXXX also knew that if I did n't close on time I would not only lose the property but I would lose my $ XXXX good faith deposit. Now I do not think XXXX did this on purpose because he was just as shocked as I was on XX/XX/XXXX whent he underwriter requested the budget. But I do believe that XXXX failed to communicate properly or the underwriter therefore backing me into a corner to either lose a property I had been spending months on purpasing or having to pay out. What is even more upseting is that if they had really analyzed the documents and communicated with each other they could have discovered this problema and I could have gone with another lender. When I filed my formal compliant with XXXX XXXX

Company:
 he stated that the underwriter did try to contact me to tell me they needed the budget. What I questioned was "" Why would the underwriter contact me but never notifiy my loan XXXX XXXX that they needed the budget. and the email does prove that XXXX was shocked on XXXX to hear they were requesting the budget. I did request that XXXX XXXX furnish the prove that the underwriter was trying to notify me but til this day

State:
 XXXX XXXX has never furnished prove. XXXX XXXX offered to to refunding me the fees ( roughly {$1800.00} )


Date_received: 01/14/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
Company_public_response: XXXX XXXX. He told me he would be coming to my house tomorrow
Company: XXXX XXXX
Complaint_ID: Yes
Consumer_narrative:
Hello, I 'm writing to complain about the ADR group. They also go under the name Dispute Resolution Services. Yesterday I received a call from a man named " XXXX XXXX ''. He said he was an investigator with XXXX XXXX XXXX and that I was listed as a contact person for my husband

State:
 between XXXX with the sheriff to serve summons to my husband. He also said that if he did not receive a stand down order and my husband was n't home


Product: ca n't threaten arrest
Complaint_ID: Yes
Date_received:
I do n't think it 's right that they threaten and use scare tactics to try and reach my husband. I talked to a friend who worked in collections and was told that this was absolutely illegal. That they ca n't threaten to sue

Subproduct:
 ca n't misrepresent who they work for. They did all of these things!! Any help would be appreciated and if you need to contact my husband or I


Date_received: 01/11/2016,Consumer Loan,Vehicle loan,Problems when you are unable to pay,,I financed a automobile
Subissue: they reported the information wrong. They said I owed {$5100.00} on a one month loan
Complaint_ID: No
Product:
 it broke down ( transmission went out ) was told by a repesentive of the fiance company that they would help me out

Subproduct:
 that was a lie. Then after it being broke down for 3 months I told the finance company to come pick up the car. Owed {$4000.00} at that time

Issue:
 they sold it at auction for {$2900.00} then I never received any bill or statement what was owed. I did a check on my credit


Date_received: 01/11/2016
Product: Credit card
Issue: Transaction issue
Company_public_response: every time I log in
Company: I have to resubmit all my information ( account
State: SSN
ZIP_code: security questions
Date_sent_to_company: them
Complaint_ID: Yes
Consumer_narrative:
I have an account with Synchrony Bank/Banana Republic. The " password '' to access my account does not work ; instead

Submitted_via:
 etc. ) to take any action with my account. This has been going on for months and they have failed to resolve it. I suspect this "" error '' is a ploy to make it more difficult to pay my card so that they can get interest and fees. If a law firm sues


Date_received: 01/20/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Credit decision / Underwriting
Complaint_ID: Yes
Consumer_narrative:
At the time my XXXX & XXXX year old parents got a 1st line home equity 10 yr interest only loan through TD Bank 5 years ago. This past XXXX TD Bank asked for income documentation for the 5 yr renewal period for the last 5 years. So with dad just passing away my XXXX year old mother sent in the income information as asked. They then came back and said " sorry you do not still qualify for the last 5 years of a payment around {$650.00} a month


Date_received: 01/20/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
We realized that Wells Fargo created an infant account on our home equity line and automatically was charging us the higher interest rate on our home equity line of credit. We did not sign anything agreeing to the higher interest rate and the infant account with the higher rate was not even visible when we logged into our account summary page. The lower interest rate showed on the home page of our account and the higher rate that we had been charged was only visible by going through a series of steps from the account summary page. This was very misleading because when viewing our account statement it read the amount of the parent account 4.25 % when we had been charged a rate that was 7.75 %. At 3..5 points higher than the rate in the parent account, we calculated that this amounted to over {$14000.00} in excessive interest charged. Wells Fargo took several months to review our complaint and determined " no error occured ''. They did not complete and mail the review until XXXX XXXX


Date_received: 01/25/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: some time in XXXX
State: and sending them requested documents
Submitted_via: and to XXXX who is participating
Complaint_ID: Yes
Consumer_narrative:
I experienced a short-sale on my previous home in XXXX, XXXX. I had a first and second mortgage with Bank XXXX XXXX. At time of short sales, XXXX mortgages were fully reconveyed as the new owner took possessionXXXX marked XXXX mortages as " PAID AND CLOSED. '' However

Company:
 Nationstar Mortgage began to report the XXXX mortage as open/past due! I did not even notice this until mid XXXX. Despite attempts to work with them

ZIP_code:
 they still report the loan to credit bureaus. This is really hurting me at this time. I have enclosed all documents I sent to them

Date_sent_to_company:
 but they suggested I write to you. The documents include a record of FULL RECONVEYANCES on the property for XXXX mortgages. How do we get them to remove these records


Date_received: 01/15/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Complaint_ID: Yes
Consumer_narrative:
Equifax is reporting false information about a satisfied judgement. I have asked them to investigate this, and they have and came back and said that the judegmeent was valid. Attached is a letter from The Honorable Judge XXXX " XXXX '' XXXX XXXX XXXX XXXX Court

Company_public_response:
 who claims this was never even reported to any of the XXXX credit reporting agencies. Also attached is the information that is published on my report


Date_received: I am very concerned that this company already has {$500.00} from me
Product: they have never sent a validation notice or any actual paperwork at all
Complaint_ID: Yes
Subproduct:
 and I see numerous complaints about the company. I want to pay off my debt but do n't know whether this is a true collection or fraud


Date_received: 01/15/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Company_response: simply adding to my stress and financial difficulties. Additionally
Complaint_ID: Yes
Consumer_narrative:
A secretary at my job intercepted a phone call from a XXXX XXXX. XXXX XXXX asked to speak to the principle of the school I work in reference to a legal matter regarding me. The secretary simply forwarded the call to me. When she did so, XXXX XXXX repeatedly told me that he was going to come to the school and " remove '' me. He would give me no explanation as to what was happening

Company_public_response:
 where I would be going or why? He simply implied that he was some form of legal person and would have a police officer with him to "" remove '' me from my job. Obviously

Company:
 this scared me to the point of a XXXX XXXX. I had no idea what he was referring to since he would tell me nothing except that he would be arriving with an officer to "" remove '' me from my job. I asked if there was someone that I could talk to that could tell me what was happening. At that point

State:
 XXXX XXXX gave me XXXX XXXX 's phone number ( XXXX ) and said that I could call him. I called XXXX XXXX and he told me that I was to be charged in Pennsylvania with bouncing checks for defaulting on payments due this company. He proceeded to tell me that I would have XXXX counts. Each count could get me {$1000.00} fine and 30 days in jail unless I made arrangements to pay this debt from 2012 immediately. I explained that I had no money at this time and was still having financial issues. XXXX XXXX said that he would be able to stop XXXX XXXX from coming to my job if I could make a {$200.00} payment the next day and then {$480.00} by the end of month. I expressed my concern that I would not be able to get the money but XXXX XXXX simply told me if it was n't paid

ZIP_code:
 I could choose a different payment arrangement but it would cost me double the amount. I agreed and gave someone my bank card info because I believed that a constable would come to my job and take me away for check charges. Additionally

Submitted_via:
 the only part of the call that I was told was being recorded was the part where I agreed to pay the payments when I was transfered from XXXX XXXX 's extension to another. After calming down and researching on the internet

Date_sent_to_company:
 I realized that XXXX XXXX and XXXX XXXX threatened me and used incorrect information to scare me into paying them immediately

Timely_response:
 I am not sure that I owe this particular debt. I called XXXX XXXX back around XXXX and told him that I needed a letter of verification but have heard nothing in response. I have had to repeatedly tell "" someone '' and fax a letter demanding that they stop contacting my job over the last 6 months. My job does n't allow personal calls at work and they are getting tired of funneling calls regarding my personal financial woes. I do n't know how to stop them from calling my job


Complaint_ID: Yes
Date_received:
01/15/2016,Credit card,,Late fee,,I scheduled an automatic payment with Paypal Credit to come out of my bank account on the due date


Complaint_ID: Yes
Date_received:
We submitted all requested paperwork multiple times as apparently paperwork can become outdated month to month. We were assigned a relationship manager by the bank and were hopeful that this would be someone who would help guide us through the process. This is the first time we have ever had to go through this process as we have never had to sell a home in a market that dropped so quickly, leaving us owing more than the house was worth when we needed to sell our home. The bank continually asked for a valid purchase agreement and a HUD-1 Statement. These are things we did not have as we did not have any offers on our house. These are also things they would not need if they were listening to the fact that we were asking for a Deed in Leiu. We have since gotten an offer on the house in XXXX 2015 and have submitted the Purchase agreement and the HUD-1 Settlement statement. This paperwork has been sitting with the " Gatekeeping Department '' with no word on when it will be moved the next stage. We have been told the paperwork was with the processor for review

Product:
 That it would be forwarded to Underwriting for their review and decision and now is with the "" Gatekeeping Department '' it seems like they just move the paperwork from place to place to prolong the process and that neither we or our attorney can get a straight answer as to the status. We are not sure if this is the normal but


Date_received: In the meantime
Subproduct: they could not get my report or score. Additionally
Complaint_ID: Yes
Product:
 Experian has prevented Credit XXXX from getting my report and score. All info that I have provided to XXXX in XXXX has been exactly what I have given Experian when I obtained my free credit report today ( XXXX/XXXX/XXXX ). When I again tried CS today


Date_received: 01/11/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company: I tried again and
State: once again
Submitted_via: "" Credit Report ''
Complaint_ID: Yes
Consumer_narrative:
Equifax refuses to provide the free credit report online or by mail. The last time that I was able to obtain my credit report online was on XXXX. Since XXXX, they always ask XXXX bogus questions to verify my identity, which I correctly answer as " None of the Above ''

Company_public_response:
 then they tell me that they ca n't verify my identity and that I have to apply by mail with copies of my driver 's license and SS cards. I have done that and still never get my credit report back. This year

ZIP_code:
 got the XXXX bogus questions. This only happens with Equifax XXXX give me my report without any problems. A quick XXXX search for "" Equifax ''


Date_received: 01/11/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Credit decision / Underwriting
Company: we submitted them
Submitted_via: we spent more money and did it anyway. So
Date_sent_to_company: we get to within 30 days of closing
Company_response: and he sends an email to my wife
Timely_response: my realtor
Consumer_disputed: and I showing things that he said needs to be taken care of asap in order to close. Mind you
Complaint_ID: some of these items have not been mentioned on the previous list of things needed to close. So
Consumer_narrative:
I applied for a mortgage loan with Carrington Mortgage company and the entire process was a headache. When they found out we wanted a manufactured home, instead of a traditional home, the person handling our loan, XXXX XXXX, spent half of our correspondence via email speaking on how " nearly impossible '' it would be to get approved for a manufactured home

Company_public_response:
 and that I should keep looking for a traditional home as a back up. We told him we wanted this home and will do what we need to do to get it. Every time he asked for documents

State:
 then he reassured us it would be a long shot. His entire demeanor was unprofessional and negative. We paid for a full inspection of the home that detailed every aspect of the home

ZIP_code:
 yet XXXX wanted us to pay for an additional inspection on the roof once the inspection came back in good condition. That was a waste of {$100.00} because ( in my opinion ) what he needed to know was in the original inspection. However


Date_received: 01/26/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: they sold my loan to XXXX. My belief is that Citibank probably did this with XXXX borrowers
State: however
Complaint_ID: Yes
Consumer_narrative:
I had 19 years left on a 30 year mortgage with Citibank and, in XXXX, I missed a number of payments due to being out of work. I worked with a loan specialist at Citibank and informed him that I had gone back to work and would now make up for past payments. During a 5 week period in XX/XX/XXXX and XX/XX/XXXX I made 3 mortgage payments, which only left me 2 mortgage payments behind, but Citibank sent all 3 payments back to me and began foreclosure. Citibank did not lower my interest rate ( even though I asked them 3 times to lower me to the then current 3.5 % rate and change my term to 15 years, which would have raised my monthly payment less than {$15.00} but would have shortened my term by 4 years. They refused to extend those terms to me. Instead, they re-instituted my mortgage at the same interest rate along with my original loan principal balance for a 40 year period. So now, I am paying off the same exact balance as my original loan amount ( {$70000.00} ) over a 40 year term at the same rate ( 7 % ). I owed them my payment for 19 more years and somehow they added an extra 21 years to the term of my mortgage. They did not lower my interest rate nor did they forgive any of the principal balance. In other words, instead of making my mortgage easier to pay, they made it more difficult to pay by adding an extra 21 years to the term of my loan. As it was, I was going to pay {$160000.00} to repay the original mortgage I agreed to, and I have no issue with that, however, Citibank added an extra 21 years to my mortgage which will require me to pay an additional {$110000.00} for my mortgage - and that, I did not agree to. So, all told, I now will have to pay {$280000.00} for a 30 year mortgage at 7 %. And this is on top of the fact that I was working with a mortgage specialist and, as of XX/XX/XXXX, had they accepted my 3 mortgage payments, I would have only been 2 mortgage payments behind which I would have gotten caught up with by XX/XX/XXXX. Had Citibank accepted my payments, I would now have just 15 years left on my mortgage at {$780.00} per month but instead, I now have 37 years left at {$780.00} per month. After they " modified '' my loan terms

Company:
 and falsely pumped up the value of the loans and then sold them to another financial institution. If that 's what is allowed in the world of high finance then it is what it is


Product: Rouchon & Associates
Subproduct: Inc."
Issue: MS
Subissue: 39654
Consumer_narrative: Older American, Servicemember
Company_public_response: Consent not provided
Company: Web
State: 01/11/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
01/11/2016,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt was paid,,Company chooses not to provide a public response,Smith


Date_received: 01/11/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
Complaint_ID: Yes
Consumer_narrative:
My XXXX debit card was mistakenly given to somebody else at a restaurant. My card was used by that somebody else to purchase {$75.00} worth of shipping at the post office. My bank did not inform me that there would be a {$50.00} surcharge added to my account for their " services ''. The investigation took two months and in the end only {$25.00} was rebated back to my account. Does n't the bank have the obligation to inform me of this {$50.00} surcharge that they claim is federally mandated? I would n't have wasted my time filing different claims and having the headache that I did


Date_received: 01/15/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company_public_response: fraud affidavit
Complaint_ID: Yes
Consumer_narrative:
I 've sent Experian XXXX letters with a full consumer statement regarding fraud that occured on my credit report. They stated on the last complaint response that they would " verify '' the public record. I have not received anything. This is keeping us from getting a home. See attached Department of Justice report ( end of attachment )


Product: Inc."
Subproduct: FL
Issue: 33055
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 01/26/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
01/26/2016,Debt collection,Credit card,False statements or representation,Attempted to collect wrong amount,,,Portfolio Recovery Associates


Date_received: 01/26/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer_narrative: I recently received a fraudulent collection letter from a " legitimate '' collection agency
Company_public_response: Convergent Outsourcing
State: stealing people 's money using fake claims
ZIP_code: stealing identities
Complaint_ID: Yes
Company:
 that is a running a scam and stealing money and identities. They claim that XXXX XXXX XXXX submitted a collection to them and are requesting my personal information and that I pay the balance. No balance exists with XXXX XXXX XXXX. I researched this company and found that they have been running similar scams


Date_received: 01/20/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Complaint_ID: Yes
Consumer_narrative:
I accepted Suntrust bank overdraft protection after reading their disclosure statement and what I needed to know about overdrafts and overdraft protection. In their statement it says : " An overdraft occurs when you do not have enough money in your account to cover a transaction


Complaint_ID: Yes
Date_received:
Then at XXXX on XXXX/XXXX/2015 I was left without options and if not paid the utilities were due to be cutoff first thing Tuesday morning XXXX/XXXX/2015


Product: until the Letter-Of-Demand
Complaint_ID: Yes
Date_received:
OCWEN hired a law firm in the XXXX 2015 claiming I had not been making my mortgage payments. It 's a good thing I had the proof that these payments had in fact been made. Not a single word back


Complaint_ID: Yes
Date_received:
XXXX had requested the removal of negative information from my credit report. I have disputed this numerous times. I have had no issues with the other agencies


Complaint_ID: Yes
Date_received:
01/26/2016,Debt collection,Credit card,Taking/threatening an illegal action,Sued w/o proper notification of suit,I am being sued by XXXX XXXX


Date_received: 01/15/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
i received a letter from my mortgage servicer stating that my " flood insurance had expired '' I have been with the same lender on the same property for over 5 years and NEVER had flood insurance

Company_public_response:
 therefore it could n't have expired. I called them and told them their letter was in error. they responded that they will be putting a forced policy in place. they stated they sent me a letter of notice XX/XX/XXXX which I never received. I did receive a second and final notice on XX/XX/XXXX. I called them when I got it. they said the letter was in error


Date_received: 01/11/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: XXXX XXXX
Complaint_ID: Yes
Consumer_narrative:
I am responding to an unlawful contact about an alleged debt by Portfolio Recovery Associates of XXXX, VA in violation of the conditions of their XXXX/XXXX/XXXX U.S. CFPB consent order. I was contacted by computerized autodial telephone call from caller ID " XXXX KY '' with a prerecorded message at XXXX EST on Sunday


Date_received: 01/26/2016
Product: Credit card
Issue: Billing statement
Company_public_response: and since I already had 5.5 hours of time involved trying to get a Citi statement to PAY THEM
State: ( 3 ) Extend my payment deadline without penalty fees and interest
ZIP_code: ( 4 ) pay my "" Rewards '' in full
Date_sent_to_company: XXXX I went into a Citi office in downtown XXXX XXXX and spoke with XXXX XXXX
Company_response: one of their personal bankers. On XXXX XXXX
Timely_response: XXXX he printed out XXXX statements covering XXXX and XXXX. Curiously
Consumer_narrative:
In XXXX XXXX, Citibank notified me that my credit card statement was available. For about the past 10 years, I have been getting that statement online. I went online and logged into Citibank 's website and was unable to retrieve the statement. I called customer service and was told the website was down and to try again another time. Over the next several days, I spent 5.5 hours trying to get that statement. Each time the website would n't respond when I clicked on the button to download my statement. Each time I called customer service, the representative told me that the site was down. The last time I called customer service, I asked a supervisor to send my statement to me via email so I could pay it on time and the supervisor refused, citing security concerns with email. I asked the supervisor to send my statement to me via U.S. mail and to extend the time for payment so I would n't be late and the supervisor refused to mail a statement to me, telling me to just keep going online and eventually, the statement would be available there. I do remember I was less than a week away from my payment date and I was concerned about late fees and interest - and I 've had that account about 10 years without these kinds of problems. It 's also a " Rewards Card '' and I did n't want to forfeit rewards. After Citi refused to send my credit statements to me

Company:
 I sent a letter to Citi at the payment address requesting that they ( 1 ) Close my account ; ( 2 ) Send a statement to me via U.S. Mail

Submitted_via:
 and ( 4 ) pay damages for my lost time for their broken website and refusal to provide a statement to me. I did n't hear back from them at all. I also shredded my card and told Citi that I shredded the card in that letter. On XXXX XXXX

Consumer_disputed:
 those XXXX statements covered transactions from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX without a break - in other words

Complaint_ID:
 the "" missing '' statement occurred during the time I was trying to obtain that XXXX/XXXX/XXXX ending statement and their website was "" down. '' The XXXX statements I received include late fees and interest even though Citi did n't make them available to me until XXXX XXXX


Date_received: When I called the FTC
Product:
 the phone prompts referred me back to the CFPB for my mortgage related complaint. I pushed through the FTC phone tree and spoke with XXXX who said they do n't handle mortgage complaints and that is the CFPB 's role. I told her that the CFPB had sent my complaint to the FTC but when she checked the database


Date_received:
I called the CFPB again and spoke with XXXX ( # XXXX ) and updated her on my talk with the FTC and asked her who I could speak with about getting XXXX XXXX XXXX XXXX XXXX XXXX

Product:
 XXXX registered because they are one of the entities I wanted to report. This debt collector law firm is in violation under the FDCPA

Subproduct:
 and has been trying to steal my home for the last year with apparent authorization from Nationstar Mortgage


Date_received: I am now re-submitting this complaint to Nationstar Mortgage
Product: XXXX
Issue: make everyone accountable and with administrative remedy
Subproduct:
 XXXX and XXXX XXXX XXXX and look forward to straight answers and a collaboration that will save us all time

Subissue:
 avoid the court system at all costs. We all need undeniable proof of who is entitled to enforce the alleged note and who exactly the obligation is due


Date_received: On Wednesday
Product: XXXX XXXX
Subproduct:
 2015 there is another illegal auction scheduled for my home via XXXX by XXXX XXXX XXXX XXXX XXXX XXXX


Date_received:
You must cancel this illegal auction now and produce the documents requested! You have all been noticed


Date_received: 01/26/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Taking out the loan or lease
Complaint_ID: Yes
Consumer_narrative:
In XXXX, I financed a XXXX Ford Fusion for 5 years with Santander Consumer USA Company. I paid a down payment of {$1500.00} and a monthly note of {$420.00} for 36 months. After paying for 36 months, ( which was 3 years later ) the Balance was ONLY {$3000.00} less than the Initial Financed Amount. I WAS IN SHOCK!!! HOW COULD THIS BE? The car was financed for {$18000.00}, THIS IS A RACKET OR SCAM. In XXXX, XXXX, I traded my Ford Fusion for a new vehicle. During this process of trading my Ford Fusion on a new car, I was told that the PAY off on XXXX XXXX was more than {$15000.00}. The car only Cost {$18000.00}. And after paying a REGULARLY monthly payment How can the PAY OFF BALANCE STILL BE ALMOST AS GREAT AT THE INITIAL FINANCING OF THE CAR BEFORE ANY PAYMENTS. My monthly payment was {$420.00} EACH monthly. And ON Several Months I paid {$440.00} or more. This is interest Gauging or Unfair and Unlawful Interest to the Consumer. I also was then told that the car was financed for 72 months instead of the 5 years. And How Can The Pay-Off be more than {$14000.00}. When I Disputed it and talked to several Managers at Santander I was Told " This is the Pay-Off on the Day in Question

Company_public_response:
 IT IS MORE ON A MONTHLY PAYMENT SCHEDULE. THIS CRAZY! I HAVE NEVER BEEN 30 DAYS LATE. AND NOW THEY HAVE SENT NOTICES STATING I OWE THEM WHEN I DO N'T. AND THEY ARE REPORTING FRAUDULENT

Company:
 ERRONEOUS REPORTS TO THE CREDIT BUREAUS STATING I HAVE BEEN MORE THAN 30 DAYS LATE WHEN I HAVE NOT! THEY NEED TO CORRECT THEIR RECORDS AND THE CREDIT BUREAUS REPORTING


Subproduct: can be printed using any format an amount allegedly owned
Issue: and still you can not blame a guy for this
Subissue: send me the number of licensed to collect in Florida
Consumer_narrative: explain how these calculations were made Provide me with your license numbers and registered agent
Company_public_response: are obliged to do so
State: any document without my signature lacks validity
ZIP_code: after XXXX I can get XXXX dollars for defamation of character in a lawsuit
Submitted_via: no arguments
Date_sent_to_company: no verifiable accounts have to be removed is clear and concise law
Complaint_ID: Yes
Date_received:
01/20/2016,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt is not mine,I never received XXXX bill from their offices

Product:
 I have asked among other things in my day XXXX/XXXX/XXXX dispute a copy of the contract signed by my accepting the terms and conditions of these bills and my obligation to pay a bill it is not proof of debt

Company:
 otherwise you are violating the law by the law corresponds me under Fair Debt Collection Practices Act and Fair Credit Reporting Act


Date_received: 01/15/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company_public_response: I was repeatably told by a supervisor this was "" not possible ''. Frankly
State: various transactions settled on strange dates for whatever reason. Additionally
Complaint_ID: Yes
Consumer_narrative:
I have attempted to contact CitiBank 's CitiGold Division on several occasions to disable " Overdraft Protection ''

Company:
 this does not make any sense since other banks have the ability to turn off Overdraft Protection thus preventing any Overdraft Fees from occurring. During the Holiday Season ( XXXX and XXXX XXXX 's )


Date_received: 01/29/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
Complaint_ID: Yes
Consumer_narrative:
on XXXX/XXXX/15 Chase Bank sent email regarding suspicious charges on my debit card. I spoke to a representative ( woman ). We went over the charges, I told her which were fraudulent and which were not. Then checked my husbands charges-all good there. She told me not to worry that I would get my credit back shortly. The next day I get an email saying that the charges stand because a pin was used. Can anybody say " XXXX ''. I called and spoke to XXXX

Company_public_response:
 Who advised me that the case was closed. I asked how can they resolve this issue in less than 24 hours and she said it 's "" because of your spending history '' Really

Company:
 who are you to judge me. I told her to show me proof that it was me. The biggest charge was from XXXX

State:
 they have cameras everywhere.She said she would re-submit for a new review. Not only do they lie to the public and do n't take responsibility they turn around and disparage my character by calling me a thief in trying to defraud a bank. Well it 's been 2 months and I have not gotten my {$250.00} back and not even a phone call or email with the proof that I requested. We all know that the case workers are given a bonus to deny claims just like the Insurance Underwriters are and normally that 's not my problem


Date_received: 01/11/2016
Product: Debt collection
Subproduct: I do not know
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Complaint_ID: Yes
Consumer_narrative:
Keep Getting calls from a " Premier Portfolio Group ''? Saying they have a bad check? I have not had a checking account in 5 years and Never had a returned check when iI did have one! Sometimes it is an XXXX no sometimes a XXXX XXXX Area code


Date_received: 01/15/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Company_public_response: whereby the Dealer ( and
Company: following any assignment
ZIP_code: subject to all the terms and conditions contained in this Addendum. You
Submitted_via: the Dealer
Date_sent_to_company: and the assignee Financial Institution [ you-SunTrust Bank ]
Company_response: agree that
Timely_response: in any event Your claim for a waiver under this addendum is honored
Complaint_ID: Yes
Consumer_narrative:
I purchased a vehicle from XXXX of XXXX, North Carolina on XXXX XXXX, XXXX. The vehicle became totaled in an accident on XXXX XXXX, XXXX. It was financed through SunTrust Bank. There was GAP coverage through XXXX XXXX XXXX XXXX, a prior complaint to the CFPB from me ( Case # XXXX ) could not be resolved as XXXX was not an entity registered with your agency and the matter has been referred by you for further investigation. The initial comprehensive coverage on the car was paid promptly by my insurance company, XXXX XXXX XXXX. Despite a clear representation in the contract. " This addendum amends the Retail Installment Sales Contract /Lease Agreement

State:
 the assignee financial institution [ you-SunTrust Bank ] agrees to waive YOUR [ my ] liability for the difference between the "" Amount Owed '' under your Retail Installment Sales Contract /Lease Agreement and the "" Actual Cash Value '' of the Vehicle as of the date of the "" Total Loss '' of the Vehicle resulting from a peril covered by the automobile insurance company


Date_received: After a great deal of time and what I believe to be a deliberately contrived delay
Issue: most noticeably on XXXX XXXX
Consumer_narrative: that request
Complaint_ID: Yes
Product:
 the GAP amount was finally paid. Meanwhile SunTrust attempted to extract from me the full amount of the monthly payments under the installment agreement and despite their now having been paid by both the indemnity insurance company and the GAP coverage

Subproduct:
 they 're still attempting to extract the installment payments from me. Even though they may be owed the amount of {$540.00} ( See pdf XXXX ) They are attempting to extract {$840.00} ( See pdf XXXX ). They are continually calling on my cell phone

Subissue:
 XXXX when I was in an ambulance being transported from XXXX hospital to another having been diagnosed with a XXXX XXXX. I asked them to leave me alone and communicate solely in writing. Despite


Complaint_ID: Yes
Date_received:
Retail Customer Service 5 ) I sent another email higher up the food chain : Greetings. I recently asked a question about amount of of outstanding loans Union BankXXXX bank has in the oil/gas sector and received back a link with information about the bank 's portfolio. Following up, I received this email : " Thank you for your recent e-mail. We do apologize

Product:
 that is all the information we are able to locate at this time. '' Surely someone somewhere is keeping track of the information I am requesting. As a customer


Complaint_ID: Yes
Date_received:
XXXX XXXX 6 ) I received this response : Dear XXXX XXXX : Thank you for your recent email. Below is a link to XXXX Union Bank financial highlights XXXX Unfortunately


Date_received: If we can be of further assistance
Product: please send a new message from our Secure Messaging Center
Complaint_ID: Yes
Subproduct:
 or call Online Banking at XXXX XXXX XXXX XXXX. Online Banking agents are available to assist you Monday thru Friday from XXXX to XXXX XXXX XXXX XXXX XXXX


Date_received: Sincerely
Complaint_ID: Yes
Product:
 Customer Care 7 ) QUESTION FOR YOU : Am I not entitled to know how my bank uses ( lends or invests ) the money I deposit? Oil and gas is taking a huge hit right now and I want to know how my bank is exposed to losses. Is that not my right


Date_received: 01/15/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company_public_response: name and Date of Birth
Complaint_ID: Yes
Consumer_narrative:
I am a victim of IDENTITY THEFT. I have notified the XXXX CA. PD on XXXX XXXX XXXX. XXXX Investigator in Fraud Dept deemed the account as Fraudulent with Identity Theft. I TOLD Equifax in XXXX XXXX -- 8 MOS. AGO THAT THE HARD INQUIRIES FROM XXXX AND COLLECTIONS ACCOUNT WAS FRAUD! I am reporting Equifax to CFPB govt office for not properly verifying ANY FRAUDULENT activity despite my several DISPUTES! Equifax kept saying " the account has been verified ''. If a thief has my SS

Company:
 of course that fraud is going to be 'verified '. BUT when I told the CB that I DID NOT own or have an account with XXXX

State:
 Equifax insisted the account was MINE and LEFT THAT ON MY CR wrongfully! Now I need to buy a car and I CAN NOT because those criminals also used my identity to do several other fraudulent activities


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_public_response: sends them to credit reporting agencies
Complaint_ID: Yes
Consumer_narrative:
I have tried to work through XXXX and XXXX to remove an invalid debt for over 4 months, and have been rejected through the re-investigation process. The company, AFNI INC, is a well-known predatory debt collection " company '' that creates false debts

Company:
 and makes dozens of harrasing calls each day to their "" customers ''. The debt they have reported with XXXX XXXX XXXX for {$410.00} does not exist

State:
 as I have confirmed with XXXX XXXX XXXX that no such collection was filed. With the smallest amount of online research

ZIP_code:
 I was able to find out that AFNI uses these false debt collection practices on thousands of Americans every year. It 's predatory bullying at it 's worst and the exact reason the CFPB exists. I have spent hours trying to get XXXX and XXXX to remove this FALSE collection from my reports


Complaint_ID: Yes
Date_received:
When I explained this to SoFi Lending Corp. they told me that : " In order to move forward with the refinance we will need a document that verifies your XXXX status. Unfortunately we are not able to move forward with an expired XXXX card and your current documents provided for the extension

Product:
 which would include the stamp on your passport. We will need the documentation that your renewal was approved or a valid XXXX XXXX XXXX. '' I feel that I am being discriminated based on my national origin by SoFi Lending Corp. The fact that the XXXX issued my with a non-conventional kind of XXXX than a XXXX does not constitute a valid reason to deny my application. The eligibility requirements stated in SoFi Lending Corp. 's web page stated ( at that time ) that the requirement to be eligible for refinancing my loan is to be XXXX ( which I was and still am )


Date_received: 01/11/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: the borrower 's loan does not need to be currently serviced by SunTrust
Company: and it does not matter whether the borrower entered into a HAMP or alternative modification
State: the HAMP application was denied
Complaint_ID: Yes
Consumer_narrative:
Based on reports released, I was eligible for payments ; a borrower must have had a mortgage loan owned by the XXXX ( better known as " XXXX '' ) or the XXXX ( better known as "" XXXX XXXX '' ). The loan had to have been serviced by SunTrust and the borrower must have applied for and started a HAMP trial with SunTrust by XX/XX/XXXX. The borrower must also qualify for at least one Victim Compensation and Restitution Plan category. However


Complaint_ID: Yes
Date_received:
According to XXXX This settlement resolves an investigation by the United States Department of Justice ( `` the Government '' ) into the administration of the Home Affordable Modification Program ( "" HAMP '' ) by SunTrust Mortgage 


Date_received: The Government 's investigation confirmed
Product: and SunTrust agreed
Issue: statements to customers that were not accurate
Consumer_narrative: excessive capitalized interest
Company: financial institutions
ZIP_code: religion
Submitted_via: family status
Date_sent_to_company: disability
Company_response: and more ). Specifically
Timely_response: property owners
Consumer_disputed: financial institutions
Subproduct:
 that there were numerous problems with SunTrust 's administration of HAMP from XX/XX/XXXX through at least XX/XX/XXXX. This included

Subissue:
 and thousands of homeowners who applied for a HAMP modification with SunTrust suffering harms that included damage to their credit scores

Company_public_response:
 and being prevented from making an informed choice about saving or disposing of their homes. Congress enacted the Fair Housing Act of XX/XX/XXXX in order to promote equal access to housing opportunities. The Fair Housing Act ( along with its amendments ) states that property owners

State:
 and landlords may not discriminate on the basis of race and national origin ( the Act also prohibits discrimination based on sex

Complaint_ID:
 and landlords may not take the following action ( or inaction ) based on race of the actual or potential buyer


Date_received: 01/21/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Settlement process and costs
Company_public_response: the entire lein all fees to be forgiven by them
Complaint_ID: Yes
Consumer_narrative:
Chase sent me a letter that sai the FULL balance was forgiven. The letter said FULL principal balance all fee and anything else. They released the lein and everything! When they report to the credit bureaus they report paid " less than full balance ''? That not what I agreeded to! I agreeded to the FULL balance


Date_received: 01/26/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Company_public_response: returned XXXX minutes later
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX - XXXX graduate Navient Account # XXXX My XXXX XXXX says I paid XXXX interest on student loans. I had XXXX loans at the beginning of XXXX, a mix of Federal and private, and all with interest. I paid off XXXX loans, and am still paying on XXXX loans ( XXXX Fed, XXXX private - all with interest ). I called Navient XXXX/XXXX/XXXX to request correction of my XXXX " XXXX '' from customer service first told me that it "" must '' be XXXX interest because either I was "" not enrolled full time '' or "" the school is not eligible. '' Neither is remotely true. I corrected her and requested correction of my XXXX She then put me on hold

Company:
 and informed me that there was an "" adjustment '' to my paid interest because the paid interest in prior tax years had been over-reported. I requested documentation of the "" adjustment. '' She had none available. I then asked her to verbally give me the adjustment information and calculation. She could not

State:
 but not so helpfully she advised me to "" consult a tax professional. '' I then pointed out that it is Navient 's responsibility to report to me any adjustments to my account

ZIP_code:
 especially if they have tax consequences. She then said that she did not have the information necessary


Date_received: I have had many
Subproduct: every time
Subissue: and I 'm frequently disappointed to find errors in my account. It has gone beyond ridiculous
Complaint_ID: Yes
Product:
 many problems since Navient took over my account. They consistently mis-handle payments and try to increase balances on my account even though I am enrolled in an auto-debit program and have made full payments on time

Issue:
 since I began payback 10 years ago. The level of ignorance in their customer service department is beyond frustrating. I have had to start monitoring my account on a weekly basis

Consumer_narrative:
 and I do n't believe in coincidence or "" human error '' anymore. I think this company is trying its very best to steal money from people


Complaint_ID: Yes
Date_received:
02/04/2016,Debt collection,Payday loan,Communication tactics,Called after sent written cease of comm,I have paid these people a lot more money back than the original loan was made for.I have asked them to stop phone calls and communicate thru USPS mail only but they have refused to do this as per the attached emails from them. Under the Fair Debt Collection Act they are supposed to respect my wishes but they choose not to. Thier interest rate is INCREDIBLE and I explained I can not pay any more money to them. Please read their responses to my emails : XXXX : You have n't scheduled your payment yet


Complaint_ID: Yes
Date_received:
XXXX XXXX From : XXXXXXXXXXXX To : collections @ mypaydayloan.com Subject : RE : You have n't scheduled your payment yet


Product: and the remaining balance they said they would let go is still on my credit report
Subproduct: I have called once and reported it
Complaint_ID: Yes
Date_received:
02/04/2016,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt was paid,I had maid 3 payments to settle the debt with the company


Date_received: 01/21/2016
Product: Debt collection
Subproduct: I do not know
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company_public_response: they called again today after another cease and desist from a new number XXXX
Company: the harrasment has to stop the debt is no longer enforceable
Complaint_ID: Yes
Consumer_narrative:
Portfolio debt management calls from multiple numbers have been informed to cease and desist, and that they are past both Oregon state statue of limitation of 6 years and federal FDCPA statue of 7 years, they keep stating that they can collect " as long as i am alive "" that the statues do not apply to them


Product: and once again we did not receive a detailed reason for the denial
Complaint_ID: No
Date_received:
We filed an appeal within the 30 days which was prepared and submitted by XXXX XXXX to Wells Fargo. Wells Faro denied our appeal


Product: my credit went from XXXX to XXXX in XXXX. However
Issue: both dated XXXX XXXX
Complaint_ID: No
Date_received:
01/21/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,My credit went from XXXX to XXXX due to the Great Recession and problems in paying medical bills and being unemployed. In XXXX I landed a job and have not missed any bill payments since then. Accordingly

Subproduct:
 in XXXX of XXXX my credit suddenly dropped from XXXX to XXXX per XXXX XXXX 's data collected from Transunion and XXXX. When I checked to see why I discovered a XXXX NEW entries for unpaid balances that were FOURTEEN YEARS OLD

Subissue:
 XXXX. Both entries involved "" XXXX XXXX XXXX '' which I have never heard of in amounts of {$13000.00} and {$4600.00}. I contacted XXXX and Transunion and got their typical barrage of obfuscation and confusing emails


Product: or rectify
Complaint_ID: No
Date_received:
There is no salient documentation as my complaints were filed with Transunion and XXXX on line and I was unable to save correspondence in their website. There responses did not address


Date_received: 01/30/2016
Product: Debt collection
Subproduct: Medical
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Company_public_response: as well as
State: but proceeded to tell me only 9 days after statement that was sent
Complaint_ID: Yes
Consumer_narrative:
This is a complaint in regards to the practice of Access Credit Management , Inc. in XXXX XXXX AR. First of all a default was put on my credit in 2008 but was not properly served. Secondly, it was served on a bill past the " Statue of Limitations ''

Company:
 the company sent me a statement with a balance of {$760.00} and would not take payment offer of {$450.00}

ZIP_code:
 the new balance was over {$1400.00} and illegally said they would continue with the legal process. The company also contacted my employer representing Attorney XXXX XXXX 's office according to the caller ID and stated that to my employer which was an embarrassing and could have caused my job to be in jeopardy. This company is conducting practices that are unethical in several areas and consumers should be protected from these type of junk debt buying people


Date_received: 01/30/2016
Product: Debt collection
Subproduct: Medical
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Complaint_ID: Yes
Consumer_narrative:
My husband and I have XXXX insurance ( XXXX XXXX XXXX, and XXXX ) I went to the hospital XXXX for a XXXX insurance was billed. I paid my {$100.00} deductible at the hospital, never heard anymore about this bill until recently ( XX/XX/XXXX ) when I had a credit report change alert ( someone applied for a XXXX ) while I was reviewing my credit report I noticed a {$510.00} medical bill. I inquired about it and was told " It was sold to us in XX/XX/XXXX and we will report it every month on your credit report until it is paid. '' I was not aware of this bill. I am very upset about this


Product: this in turn causes people to most likely forget and incur a late payment
Complaint_ID: Yes
Date_received:
They do not allow you to make a fixed automatic payment monthly, the only options are to pay the " full amount '' or "" minimum payment ''. If you try and schedule payments for the future it also does n't allow you as you can only make one payment per cycle


Date_received: Unfortunately
Complaint_ID: Yes
Product:
 at this time AutoPay does not offer a "" fixed payment '' option. Additional payment ( s ) can always be made after the statement due date


Date_received: XXXX Original Message Follows : XXXX XXXX NAME : XXXX XXXX XXXX Hello
Complaint_ID: Yes
Product:
 I am just wondering why you do n't have an option for choosing what amount to pay in automatic payments


Date_received: 01/26/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company_public_response: XXXX
State: XXXX XXXX
ZIP_code: XXXX at XXXX My requests for a phone call have not been honored
Submitted_via: the vehicle should never have been taken
Date_sent_to_company: and I should not be penalized with an unjust repossession on my record
Complaint_ID: Yes
Consumer_narrative:
I fell behind on my auto loan payments with Consumer Portfolio Services. On XXXX XXXX, XXXX, I spoke with a department supervisor and agreed to make a payment of {$1100.00} on Friday, XXXX XXXX, XXXX and that would avoid a repossession of the vehicle. I was told that after that payment, I would need to make arrangements to correct the remaining outstanding balance of {$1100.00}. I asked if they could give me anything in writing so that I would n't make this payment that we agreed upon and the agreement not be honored by CPS. I was told that they could not put anything in writing. I was told by ( XXXX XXXX, Supervisor ) that once a payment was made on a pending repossession, that CPS wasrequired by law to halt the repossession and allow the customer to remedy the situation. On Friday the XXXX, I made the agreed upon payment of {$1100.00} and confirmed receipt of the payment with a representative over the phone. On Sunday morning, somewhere between XXXX and XXXX., the vehicle was repossessed. I called CPS on Monday to find out what happened. I was told by XXXX XXXX that the vehicle should not have been taken, and that she had personally contacted the recovery agent on Friday, after I made the payment, and related to them that the repossession was halted. I was then told that there was nothing that she was able to do since it was taken, and that I would have to speak with the Recovery Department. I spoke with the Recovery Department on Tuesday, XXXX XXXX, XXXX and was told that they would review my case and contact me within 48 hours. I did not receive a call back, and tried on numerous times to contact them. I left numerous voice messages over the course of the next couple of days and never received a call back. A few days later, I received a letter dated XXXX/XXXX/XXXX which was a " Notice of Our Plan To Sell Vehicle. '' I left numerous messages on the number that was given but my calls were not returned. I reached out again to XXXX XXXX and explained that the people in the other department would not return my call. She had XXXX of her department persons walk to the XXXX department and place a note of explanation on someone 's computer monitor. I still did not hear from that department. Today is XXXX XXXX

Company:
 and I received another "" Notice Of Our Plan to Sell Vehicle '' stating that the vehicle will be sold at a private auction on TOMORROW


Date_received: 01/30/2016
Product: Bank account or service
Subproduct: Savings account
Issue: Deposits and withdrawals
Company_public_response: '' with instructions to wire the funds to my bank
Company: Discover Bank
State: hereinafter known as the "" bank. '' As of XXXX XXXX
Submitted_via: they responded by saying that they used a third party
Date_sent_to_company: XXXX XXXX
Complaint_ID: XXXX. Despite multiple phone calls to Discover Bank and being placed on hold for hours
Consumer_narrative:
On XXXX XXXX, XXXX we completed the sale of my primary residence. We provided the XXXX of Nevada, hereinafter known as the " title company

ZIP_code:
 the funds were still not showing as credited to my account. When we asked Discover Bank why our funds were not yet deposited

Company_response:
 to process these types of wire transfers. There is no clear representation of this relationship on the Discover Banking website. After a period of several days

Timely_response:
 Discover Bank deposited the funds to our account on XXXX XXXX. The transaction description listed on that date is "" incoming wire. '' On XXXX XXXX

Consumer_disputed:
 XXXX we receive a call from XXXX XXXX informing us that our funds were returned to them. We checked our bank account and found that our funds were still deposited into our account. We informed Discover Bank about the discrepancy on XXXX XXXX


Date_received: On XXXX XXXX
Complaint_ID: XXXX. Despite multiple phone calls to Discover Bank and being placed on hold for hours
Product:
 XXXX Discover Bank withdrew funds from our account. The transaction description lists "" Reverse Incoming Wire. '' We did not consent to this withdrawal


Date_received: On Monday
Product: XXXX XXXX
Issue: and we agreed. The three way call occurred on XXXX XXXX
Consumer_narrative: XXXX we began calling Discover Bank on a daily basis. These calls have continued until today
Company_public_response: XXXX XXXX
Complaint_ID: XXXX. Despite multiple phone calls to Discover Bank and being placed on hold for hours
Subproduct:
 XXXX we contacted the title company to see what we could do to get the issue resolved. The title company suggested that we initiate a three party call with Discover Bank to seek resolution

Subissue:
 XXXX. XXXX XXXX of Nevada requested that Discover Bank send a letter to us detailing the series of events. On XXXX XXXX


Date_received: On or around XXXX XXXX
Product: XXXX Discover Bank sent the letter they prepared. It was delivered to our prior address
Subproduct: and we did not receive it. On XXXX XXXX
Subissue: XXXX we received the letter from Discover Bank
Complaint_ID: XXXX. Despite multiple phone calls to Discover Bank and being placed on hold for hours
Issue:
 XXXX we called Discover Bank to inquire about the letter. We learned that the letter was sent to the wrong address and requested that it be re-sent to the correct address. On XXXX XXXX

Consumer_narrative:
 and we hand-delivered it to XXXX XXXX of Nevada. We asked if they would like to retain the envelope in which the letter was delivered


Date_received: On or around XXXX XXXX
Complaint_ID: XXXX. Despite multiple phone calls to Discover Bank and being placed on hold for hours
Product:
 XXXX XXXX XXXX informed us that they did not believe that the letter we delivered was authentic. They requested a picture of the mailing envelope which we sent to them. The sender listed on the pre-printed mailing envelope was "" Discover Student Loans. '' We do not now nor have we ever had a student loan held or serviced by Discover Bank. XXXX XXXX stated that this labeling caused them concern. They were also concerned that the letter was not signed


Date_received: On XXXX XXXX
Complaint_ID: XXXX. Despite multiple phone calls to Discover Bank and being placed on hold for hours
Product:
 XXXX we went to the offices of XXXX XXXX and requested that they release the funds to us directly via a cashier 's or certified check. They declined to do so and stated that our bank committed a Federal Crime

Subproduct:
 and that they would not release the funds to us without a letter from Discover Bank that acknowledged an error on their part. At that time


Date_received: 01/30/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company: 2016. I have called Discover at the number listed on the letter
Complaint_ID: Yes
Consumer_narrative:
Over the past two days, I have received no less than XXXX letters from Discover Bank Customer Service saying " We were unable to verify the identity of all Account holders ; therefore

Company_public_response:
 we were unable to open your new Discover Account. '' I have never tried to open an account with Discover. All the letters say the same thing and are dated XXXX XXXX


Date_received: 01/30/2016
Product: Credit card
Issue: Delinquent account
Company_public_response: there are a number of options we may take
Company: in accordance with your agreement with Fifth Third Bank. For example
State: we may revoke your Fifth Third credit cards
ZIP_code: or if you have Fifth Third auto or mortgage loans
Complaint_ID: No
Consumer_narrative:
I just received a letter from Fifth Third regarding my credit card account. I am behind on my payments, and they just sent me a letter with a foreclosure threat. Here is the language : " Because you have not brought your account current

Submitted_via:
 we may also pursue repossession of your car or foreclosure on your house. '' I do n't have any Fifth Third loans beside my credit card


Product: Inc."
Subproduct: CT
Issue: 06513
Subissue: Older American
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 02/04/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: No
Date_received:
01/30/2016,Credit reporting,,Incorrect information on credit report,Account status,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 01/21/2016
Product: Credit card
Issue: Transaction issue
Company_public_response: there 's nothing we can do
Company: the transaction is in place
State: call your bank. '' I 'm sorry
ZIP_code: but as a customer for several years
Submitted_via: with no late payments or other issues with previous transactions
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, 2016, I logged onto CitiCards.com to pay XXXX bills associated with XXXX credit card accounts I hold with them, as I do each month. Due to my financial circumstances, I can only afford to pay the minimum payment on each card right now. I paid the minimum payment amount on each card like I 've been doing for years. No missed or late payments EVER. These funds usually get deducted from my checking account. I go to use my checking account debit card today XXXX XXXX XXXX XXXX to buy groceries and it 's declined. I check my checking account to see that a total of {$14000.00} has been deducted from CitiCards to pay off the remaining balances on my cards. I assumed this was due to an error with their online payment system, because I did not authorize them to do this. I called CitiCards, and all they could tell me was, " Sorry

Date_sent_to_company:
 I do n't think this an acceptable way for a credit card company to act to a customer who just had several thousand dollars incorrectly deducted from their checking account. They did NOTHING to try to resolve my situation as I was hysterically crying on the phone. We are about to be hit with a blizzard in my state

Company_response:
 and now I have no money. Basically they just said it was an issue between me and the bank that I hold my checking account with. I do n't believe there is nothing they could have done to stop this transaction. As a major financial institution with billions of dollars


Product: Inc."
Subproduct: CA
Issue: 90637
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:
01/30/2016,Debt collection,I do not know,Communication tactics,Frequent or repeated calls,,Company can't verify or dispute the facts in the complaint,CCS Financial Services


Date_received: 01/26/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Making/receiving payments, sending money
Company_public_response: they tell me it 's paypal
Submitted_via: however Ebay has a monopoly over this market
Complaint_ID: Yes
Consumer_narrative:
I have purchased several ebay gift cards over the course of the past two months through paypal digital gifts. These gift cards are supposed to be usable at ebay, unfortunately when I go to check out I get a message saying " Something went wrong. Please try to check out again. '' error XXXX. Everytime I make another attempt it gives me the same error. I have called ebay

Company:
 paypal tells me it 's ebay. Then ebay tells me it 's a security issue and ca n't provide me with any further information

State:
 then they tell me their executive department will get back to me and that never happened. I 'm at a loss of what to do. No one at either Ebay or paypal seems to know what the real issue is or why their own gift cards will not work ... At one point they even sent me to Ebay XXXX? I do n't live in XXXX I live in the U.S. It would be one thing if they could tell me the issue and give me options

ZIP_code:
 however they refuse to do anything and the problem persists today.. Any other normal business would address this issue


Subproduct: that you dispute the validity of this debt or any portion there of
Complaint_ID: Yes
Date_received:
Now a collection agency, CBE Group, is trying to collect {$220.00} from me and I ca n't afford to pay them. The letter contains this notice, " Unless you notify this office within thirty days after receiving this notice that you dispute the validity of this debt or any portion there of

Product:
 this office will assume this debt is valid. If you notify this office in writing within thirty days after receiving this notice

Issue:
 this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment of verification .... '' I can not pay


Date_received: 01/30/2016
Product: Credit card
Issue: Billing disputes
Company_public_response: when our contact was cancelled legally through the attorney
Company: we called PayPal and provide with the date of the cancellation and every proof we have
State: however
Submitted_via: they provide us with false information and manipulated us
Complaint_ID: Yes
Consumer_narrative:
We are disputing the transaction with PayPal Credit. On XXXX XXXX, XXXX, my husband and I went to XXXX XXXX presentation to listen to their Timeshare deal, before the presentation we were told that it will not take more than an hour and half to attend which was not a true statement, we spent almost three hours with the sale person trying to confess us about the great deal they offering. During our meeting we were told that we will be able to book our vacation anytime as long as it is few months ahead and not in red season like Hawaii or Florida where you have to plan a year ahead, also we were told the monthly maintenance fees will not increase as long we are the owner of the Timeshare. The sale person told us that he will visit us in XXXX on XXXX last year to help educate us on how to book our trips which did n't happened, we made many phone calls to see when he 'll be able to come over with no luck, also we tried to talk to his co-worker who is responsible for booking and quality assurance with no response from her as well. The timeshare deal worth of {$14000.00} including the down payment of {$4900.00} from PayPal. I can go over with many pages on how we are disappointed and frustrated on how we got scammed and fooled by this company but will try to summarize most for the important issues that made us to make a decision and take an action to protect our right and warn other customers about this misleading business practices. The main reason and only reason we got Timeshare is because we have big family and by doing this we can afford go on vacation with less expenses, so will be able to take our parents with kids to enjoy places that will cost an arm and leg to visit. During our presentation we told the sale manager that we would like to go to Hawaii and Florida and we need them to help us arrange the trip, we gave them the date of XXXX XXXX, so it 's about one year and four months ahead, because these places always on red season and you need to plan ahead. We were promised that they will help us find a spot which never happened, every time we tried to use the points there are no rooms anywhere or dates. We went online to make a reservation on XXXX XXXX for XXXX XXXX XXXX in Oregon but we had to be on waiting list, we tried to book a trip to XXXX XXXX XXXX XXXX XXXX XXXX also no rooms and you have to be on waiting list. Based on the information we have, we called PayPal customer service and explained the situation, we asked them on how they can help us dispute the transaction. We told them that we are working with a lawyer and the contract is cease and desist with the TimeShare. The management from PayPal seems to understand our concerns and promised to resolve the issue as soon as we provide them with a proof that our contact is cancelled. PayPal told us that they will waive all fees and our account will be forgiven, and all payments that we made will be returned to us. Before our contract was cancelled with XXXX We made every effort to call PayPal monthly and give them an update on where we are standing, we asked them over and over that if we get a proof that our contact is terminated, would they work with us to remove the transaction and return all the payments that we made to them, and their response was always " YES '' and do n't worry we will take care of the issue. Finally

ZIP_code:
 we were very disappointed when PayPal denied their ability to help on the issue and refuse to acknowledge the problem. The credit company lied to us all the way


Date_received: 01/26/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: also they reported this debt to all three credit reporting agencies
Complaint_ID: Yes
Consumer_narrative:
XXXX offered a insurance plan to insure your debt if you became to sick/lost of job or unable to pay. I was charged a monthly fee for several years. when I became ill and was unable to pay my debt, I applied for the coverage ( 6 times ) they kept saying that they lost the paperwork. A class action law suite was enacted by other members having the same problem. it turns out that they never intended to insure the debts and pocked the money between themselves. " XXXX XXXX & XXXX XXXX v. XXXX XXXX

Company_public_response:
 XXXX and XXXX XXXX XXXX XXXX class action. ( letter enclosed ) You will see that they settled and a cash settlement was awarded to each of us. this debt should have been cleared but it was sold to a third party who calls and sent letters o collection

State:
 causing me to have a lower credit score and denied credit. their name is "" XXXX XXXX XXXX. XXXX XXXX XXXX


Product: Inc."
Subproduct: NV
Issue: 89434
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 01/30/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
01/30/2016,Student loan,Non-federal student loan,Dealing with my lender or servicer,Received bad information about my loan,,,Navient Solutions


Date_received: 01/30/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
Company: Debit Bank Card
Submitted_via: the calling merchants a second and third time to send back on-line payments
Date_sent_to_company: evidence of statements will prove that Union Bank Programmers have violated wire transfer laws
Company_response: posted false statements
Timely_response: then refunded on XXXX different transactions. No Savings Debit card was ever issued
Complaint_ID: and since I relocated to the State of XXXX this criminal activity started
Consumer_narrative:
Union Bank continues with Fraud, false Banking Statements, False Alerts and has made contact with Store Merchants along with XXXX and XXXX. Union Bank of XXXX and XXXX XXXX have Violated my Privacy Bank Rights and by giving merchants my " Savings Account Number ''. After making On-Line Payments Union Bank Web-Developers and Programmers made contact to send back payments

Company_public_response:
 by using my "" Saving Account number. History will show continued Fraud by Union Bank employees. On-Line payments were made only using my checking account

State:
 then Union Bank employees would make contact via phone and instructing them that the account was over drawn then having the merchant re-send the payment back using my Savings account on XXXX different transmissions. Union Bank on-line statements will show and prove that at that time

ZIP_code:
 the Checking Account had sufficient amount to cover all transactions. Union Bank Programmers have committed criminal activity by posting Fraud overdraft charges on XXXX different transactions then "" Blocking on-line access. Union bank has made Refunds on XXXX different complaints

Consumer_disputed:
 only Checking account. Union Bank employees continued this criminal activity for the month of XXXX XXXX and XXXX XXXX. A positive balance was maintained with a positive amount of over {$660.00} during this time. Union Bank is located only in XXXX


Subproduct: rounded up to the nearest whole month. For example
Issue: if consulting services are retained for 6 months and 1 week
Consumer_narrative: the prorated time used would be 3 months
Complaint_ID: Yes
Date_received:
At this point in time, I decided to exercise my right to terminate the contract as stipulated in Section XXXX of the signed agreement. It notes : " After at least 3 months of consulting

Product:
 either party may cancel this consulting Agreement. The cost of {$22000.00} will be prorated based upon the length of consulting services provided

Subissue:
 the Client 's responsible portion will be 7 months and 5 months will be reimbursed. Repayment will be within thirty days. '' In this situation

Company_public_response:
 rounded up from 2.5 months and the refund would be for 9 months. {$22000.00} divided into 12 months equals {$1800.00} monthly. Therefore


Product: without explaining how they arrived at that figure. At this point in time
Company_public_response: meals
Complaint_ID: Yes
Date_received:
This amount was relayed to the consulting company as the anticipated amount to be refunded. They turned around and denied the amount and came back with an amount much lower

Subproduct:
 we were at an impasse and I relied on the American Express dispute process to resolve the conflict. After the XXXX disputes

Issue:
 the consulting company agreed to refund {$11000.00} and did so AFTER the date they were supposed only

Subissue:
 and only after repeated calls to them from American Express. When I explained to the American Express representative that the proposed refund amount was less than what was stipulated in the contract

Consumer_narrative:
 she advised me to accept the refund and to open a new dispute for the remaining amount. The consulting company claimed that travel


Product: {$5800.00}
Subproduct: I lodged another dispute with American Express. In the dispute paperwork
Issue: I provided copies of : 1 ) the signed contract
Consumer_narrative: referring to the proration clause
Company: she stated that "" the people working the dispute department are n't laywers
Complaint_ID: Yes
Date_received:
Because there is still a large difference remaining between the amount refunded and the amount that was supposed to be refunded

Subissue:
 2 ) an e-mail from the owner of the consulting company acknowledging that the "" Client Agreement changes are fine ''

Company_public_response:
 and 3 ) several e-mails where I expressed growing concern for the lack of consulting being provided. This dispute was resolved in the merchant 's favor in XXXX XXXX and when I spoke to an American Express representative


Complaint_ID: Yes
Date_received:
After repeated disputes with American Express and the inability to speak to the person ruling on my case


Complaint_ID: Yes
Date_received:
The home preservation specialist with Wells Fargo consistently requested information which was already in the file. The final decision to not submit my file to the underwriter on the day before the foreclosure sale was because there was no utility bill that the preservation specialist considered acceptable that verified service to the home. Well Fargo staff have documented my mailing address as a P.O. Box for years. All mail comes to my P.O. Box. The address on the bill was my post office box with the service address marked clearly as the address of my home. Note once again the mailing address on the utility bill was the mailing address in Wells Fargo file and the service address on the bill was the address for the house. I had provided via fax at least a XXXX box of copy in an attempt to provide the requested information the my home preservation specialist. There was an unbelievable inability of the Wells Fargo Staff understand and assimilate information concerning my monthly income and budget. I believe this is a demonstration of the careless irresponsible manner in which Wells Fargo Case management and information system attempted use bias in the manner in which my loan modification was considered. I believe that Wells Fargo was attempted eliminate certain " bad '' loan off the ions books which the property 's were sold at foreclosure to a sister company owned by Wells Fargo. This is well documented.Wells Fargo 's Department of Justice case in which an investigation revealed that Wells Fargo had violated ECOA and FHA by locating branches and loan officers selecting mortgage brokers

Product:
 and marketing loan products to avoid and thereby discourage prospective borrowers in predominantly XXXX and XXXX neighborhoods in at least XXXX Metropolitan areas. Wells Fargo has a history of case management procedures which are wrong and illegal. During the relevant period

Subproduct:
 the bank failed to exercise adequate oversight to ensure fair lending compliance. Although my case is a little different

Issue:
 I have requested the geographic information on the foreclosure conducted by Wells Fargo over the past XXXX years as well as the race of the homeowners. Wells Fargo has a history of discriminatory activity. ( 3 ) I had requested a postponement of the sale. I had documented information on the availability of funds. Asdo9cumented earlier


Product: XXXX XXXX
Complaint_ID: Yes
Date_received:
I have not been able to refinance my mortgage I have with wells Fargo being loan no. XXXX for the past several years as the lien placed on my property at XXXX XXXX XXXX


Date_received: 1 ) IRS
Complaint_ID: Yes
Product:
 From XXXX sent by wells Fargo in the year XXXX to us confirming the cancellation of this debt. Marked as XXXX ( This should have been done in the year XXXX and not in XXXX


Date_received: 01/31/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company_public_response: when in fact
State: I will sue them
ZIP_code: but if they did their job
Submitted_via: they would see that this is inaccurate and must be removed. According to Congress
Date_sent_to_company: the bureaus MUST verify that the information on my report is accurate
Complaint_ID: Yes
Consumer_narrative:
I was not certain what category to choose, as the accounts on my credit are XXXX different ones. I have a late payments on my report that are unverified and the bureaus have not conducted a proper investigation. If they had, these late payments would have come off as I was never late on these accounts. I am not receiving proper correspondence from the bureaus and at no time have I received proof of late payments reporting on my credit file. My right to demand this is pursuant to section XXXX of the FCRA as well as XXXX where they must legally verify with proof of immediately remove. I continue to receive documentation stating that I must go straight to the creditor because this has been " verified ''

Company:
 the bureaus have the responsibility of doing this and can not put the burden on me. See XXXX XXXX TRANSUNION. If I have to

Company_response:
 and must go beyond the original source of information once I notify them that this is inaccurate. They have not done so


Complaint_ID: Yes
Date_received:
01/31/2016,Consumer Loan,Vehicle loan,Managing the loan or lease,,Each month my auto payment is due on the XXXX. The bank states I have ten days beyond this to make my payment before a fee is assessed. But the bank will make a fee assessment sometimes before the ten days. I will have the money in the account every month before the ten days. The bank goes in on the tenth day takes half the payment


Date_received: 01/26/2016,Mortgage,Conventional fixed mortgage,Loan modification
Product: collection
Subproduct: foreclosure"
Company: upon receiving the documents
Complaint_ID: Yes
Subissue:
I am contacting you again about XXXX XXXX XXXX for the 4th or 5th time. I have been forclosed, and now dealing with a company for a cash for relocation package. The offer is {$4300.00} and I asked for the max. of {$10000.00}. I asked for the max. because of the previous complaints have never been resolved or fairly addressed. The company is XXXX and they say they " are not Ocwen and that Ocwen is just their client ''. I now clearly see that they are one in the same. They are "" in bed with Ocwen ''. Ccwen clearly knows that they are cheating me. They did extend my time to vacate until XXXX XXXX

Consumer_narrative:
 and I 'm grateful and thankful. They did not give me {$10000.00} and I 'm very angry and feel so violated and humiliated by the {$4300.00} offer

Company_public_response:
 but I accepted knowing that I would continue to seek my stolen money from Ocwen afyer I vacated. Here is my new complaint


Date_received: 1.A history of XXXX-XXXX servicers throughout loan
Complaint_ID: Yes
Product:
 and I have recepts of checks that are not listed on payment history that I did n't receive credit for and Ocwen has the proof


Date_received: 2. When the house was in XXXX different bankruptcy cases
Subproduct: is not credited on the loan. I have pointed this out to Ocwen and sent proof
Complaint_ID: Yes
Product:
 payments that were allocated from the trustee to the servicers ( XXXX additional servicers not including Ocwen )


Date_received: 6. NOW THE DOCUMENTS THAT I 'M SIGNING TODAY ( DEDADLINE TODAY )
Subproduct: I HAVE NO CHOICE
Complaint_ID: Yes
Product:
 I HAVE TO GIVE UP THE RIGHT TO GO AFTER THE STOLEN MONEY AND LOOK FORWARD TO ONLY XXXX INSTEAD OF XXXX! BUT HOMELESS


Complaint_ID: Yes
Date_received:
01/26/2016,Bank account or service,Savings account,Deposits and withdrawals,,I have been a victim of a fraud and identity theft. Someone stole my Chase Atm card and saw my pin ( maybe over my shoulder I can only speculate ) the amount stolen was {$9300.00} without my authorization or consent. When I realized I called Chase immediately and open a claim with the Fraud Department. In the letter they sent me they said I authorized the transactions. I never authorized the transactions

Product:
 gave the pin or join the account with the suspect or individual that did this federal crime. I went to the XXXX police department and filed a police report and when the report was ready I sent a certified mail to Chase with a return receipt and on all my communication with them


Date_received: I explained I was a victim of fraud and I asked the bank to open the claim
Complaint_ID: Yes
Product:
 investigate and prosecute the individual who stole my funds. I want to solve this with the bank before I take further action. I 'm already in communication with any organization that can help me


Product: systematically breaching their contractual obligations to homeowners
Subproduct: committing deceptive trade practices
Complaint_ID: No
Date_received:
Both BAC and XXXX, are major participants of the HAMP program and it is completely out of character of industry standards since XXXX and in the wake of both financial institutes losing federal lawsuits for thousands of acts of deception, abuse and fraud of homeowners nationwide. In fact there are still thousands of pending and unresolved lawsuits against of XXXX. The lawsuits allege, among other things, that XXXX XXXX XXXX ( " XXXX '' ) and XXXX XXXX XXXX ( "" XXXX '' ) engaged in a deceptive scheme to delay or deny permanent mortgage loan modifications through the federal Home Affordable Modification Program ( "" HAMP '' ) to desperate homeowners


Date_received: Our loan was approved of what 's called a Bank of America loan modification
Product: on XXXX XXXX
Issue: the payment equates to a front end debt to income ( DTI ) ratio of 36 % to 40 %. However
Subissue: had our loan been reviewed accordingly for the HAMP program
Consumer_narrative: our payments would be based upon 31 % DTI
Complaint_ID: No
Subproduct:
 XXXX for a payment in the amount of {$1200.00}. Based on my gross qualifying monthly income of {$3500.00}


Date_received: Our loan was originated in XXXX with XXXX Mortgage Company
Subproduct: we are dishearten by the fact that XXXX
Complaint_ID: No
Product:
 which in deed makes our family eligible for the review of HAMP programs and all of the programs original intent and initiatives for benefit of homeowner such as myself. It is unlawful on multiple levels for our loan to be discriminated and excluded from review of such programs based on Ocwen Loan Servicing ( OLS ) being named as investor/owner for our mortgage loan. Although we are thankful for consideration and approval of a modification program

Issue:
 and OLS are purposely overlooking our family for a much more beneficial program than what has been offered on XXXX XXXX


Date_received: The reasons given for our multiple denials of HAMP not only are ambiguous
Subproduct: is that both XXXX and OLS presumed the HAMP program to be dissolved at the end of XXXX
Complaint_ID: No
Product:
 but also evasive and without detail or relevant cause and appear to be a ploy to avoid offering our family a deeper savings at 31 % of our gross income. My theory


Date_received: Both XXXX and OLS
Issue: among other things
Consumer_narrative: systematically breaching their contractual obligations to homeowners
Company_public_response: committing deceptive trade practices
Complaint_ID: No
Product:
 are major participants of the HAMP program and it is completely out of character of industry standards since XXXX and in the wake of both financial institutes losing federal lawsuits for thousands of acts of deception

Subproduct:
 abuse and fraud of homeowners nationwide. In fact there are still thousands of pending and unresolved lawsuits against of OLS. The lawsuits allege

Subissue:
 that Litton Loan Servicing ( "" Litton '' ) and Ocwen Loan Servicing ( "" Ocwen '' ) engaged in a deceptive scheme to delay or deny permanent mortgage loan modifications through the federal Home Affordable Modification Program ( "" HAMP '' ) to desperate homeowners


Product: the stroke of a key
Complaint_ID: No
Date_received:
02/04/2016,Credit reporting,,Credit reporting company's investigation,Investigation took too long,The TransUnion company has a policy of updating there information every 30-90 days. To a user taking responsibility of finances is being forced in some situations into losing more finances. with the movement of data information at a moments notice


Complaint_ID: No
Date_received:
When I paid all my debts off every company evolved was able to slow mail me with a guarantee that I would receive the letter in 5-10 days. If these companies a lot the time and personnel to that


Date_received: 02/09/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company_public_response: dated XXXX XXXX
Company: XXXX for the Model XXXX engine
State: entitled "" Engine Oil Consumption ''
ZIP_code: states
Complaint_ID: Yes
Consumer_narrative:
Complaint regarding a Retail Installment Contract and Security Agreement dated XXXX/XXXX/XXXX assigned to United Auto Credit XXXX by a Virginia auto dealer named XXXX XXXX XXXX XXXX. The used vehicle secured under that contract, a XXXX Toyota Camry, has not operated since XXXX XXXX, XXXX because of failure of the XXXX Liter, XXXX cycle XXXX XXXX XXXX engine. Total Cash Sale Price : {$7900.00}. I paid {$2000.00} cash down at sale. Financed {$5900.00} under the Retail Installment Contract for 33 months at 24.99 % APR. The dealers XXXX XXXX XXXX as of XXXX/XXXX/XXXX listed Final Loan Value as : {$5200.00}. The current estimate given to make the Toyota Camry fit for use because of the required replacement of the engine is more than {$4000.00}. I have paid all payments due to date to United Auto Credit XXXX under the terms of the Retail Installment Contract. I have maintained full comprehensive auto insurance covering the vehicle, and United Auto Credit XXXX 's security interest in the vehicle, through XXXX XXXX Company. The terms of the Retail Installment Contract state : " Any Holder of this consumer credit contract is subject to all claims and defenses which the Debtor could assert against the Seller of goods or services obtained pursuant hereto or with the proceeds hereof. '' A XXXX XXXX XXXX Bulletin


Date_received: 02/04/2016
Product: Credit card
Issue: Other
Company: and I told her I would be in contact soon. Once I hung up
State: I picked up my other phone to see if they had called that phone
Complaint_ID: Yes
Consumer_narrative:
On this day at approximately XXXX I received a call on my personal cell from XXXX I did answer it. And it was a rep from First Bank Card. Before she began to ask me any questions I asked her why is she calling me at XXXX, she stated she did n't realize what time it was. I stated " you call me every day

Company_public_response:
 so why are you call me at XXXX in the morning '' "" Do you know this is a violation of the CFPB '' and she stated yes and then went quiet on the phone


Date_received: 01/26/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Application, originator, mortgage broker
Complaint_ID: Yes
Consumer_narrative:
I had an equity line of credit with BOA ( Bank of America ) in the amount of {$120000.00} payoff due in 15yrs. which I used {$25000.00} of the funds. Within that time {$100000.00} was put on freeze, therefore, I could not use that money. Within the 15 yr. period of time I paid back {$20000.00} leaving me a balance of {$4100.00} unpaid, from the initial {$25000.00} used. As of this date the {$4100.00} has been paid off. BOA is telling me that I still owe them the {$100000.00} from my XXXX. line of credit. I was offered a second line of credit for the XXXX which I took because I still owed them {$4100.00}. About a year later after paying the {$4100.00} owed they 're saying I still owe the {$100000.00} which I never used. This I do not understand. How do I owe money never used. Thinking that they offered me a second line of credit, they gave me another mortgage which included the {$100000.00} called XXXX ''. When I got my first equity line BOA paid off my first mortgage which was around {$30.00} something thousand dollars. I did call BOA several times with no avail. Specifically, on XXXX, XXXX I spoked with XXXX a BOA rep. I informed him that I was deaf and hard of hearing and he got frustrated with me. I then asked him what was the initial pay-off amount BOA paid, if anything this is what I would owe, and he would not tell me, and said " Lady you owe the money ''. My response to him was how do I owe money that was frozen and never used? This is when he hung-up on me. In conclusion


Product: LLC"
Subproduct: AZ
Issue: 85259
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 01/26/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
01/26/2016,Debt collection,Non-federal student loan,Communication tactics,Frequent or repeated calls,,,URS Holding


Date_received: 01/31/2016
Product: Credit card
Issue: Closing/Cancelling account
Company_public_response: spoke to XXXX XXXX same day & she explained that a payment showed returned
Company: because the account was not found
State: it then made me realize perhaps it was an old inactive account still showing in history
ZIP_code: so I said ok
Submitted_via: it was probably an error that account was used
Date_sent_to_company: and she agreed too and waived return fee
Company_response: also I paid through the phone with XXXX
Consumer_disputed: I called customer service again mentioned only the night before spoke to XXXX XXXX
Complaint_ID: she did n't tell me anything about the account being closed or going to that status
Consumer_narrative:
On XXXX I had a online email stating my credit card account was showing on " Notice of suspended Online Bill Payment service '' so I called citi bank customer service immediately after receiving the email

Timely_response:
 so we could restore the account in good positive status. Next day found out my account had been closed


Date_received: 01/31/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: how did they come to this conclusion
Company: did they determine who uploaded the mobile checks?
State: do they have ATM footage of the person ( s ) who withdrew the funds?
Submitted_via: retailers
Date_sent_to_company: banks
Company_response: etc. ) and identity theft is becoming more widespread
Timely_response: what is a consumer to do? My son did what he was supposed to do
Consumer_narrative:
I opened a youth savings and checking account for my son with USAA Federal Savings Bank a few years ago. When he turned XXXX he became the primary on the accounts. He saw unauthorized transactions on the accounts on XXXX XXXX, at which time he also discovered his debit card and driver 's license were stolen. He reported the unauthorized activity to the bank the same day and they stated they would forward this information to the fraud department to investigate and get back to him. Someone mobile deposited XXXX checks in the amount of {$4500.00} each and what looks like an electronic deposit of {$2900.00} to his account and immediately withdrew {$90000.00}. He is a student so this activity should have been a red flag for the bank. We asked why someone was allowed to deposit XXXX checks via mobile phone and withdraw them without a hold of 5-7 days. The representative said she was only taking the report and we could speak to someone in another department regarding that. Once the report was completed she transferred us to another department and we were never given a clear answer why something like this was not caught sooner by the bank and the account put on hold until resolved. Instead, my son never received a return call, he called them and was told he was being held responsible and they no longer wanted to do business with him. They gave him no reason or supporting information on what they found during their investigation. He requested this information and was sent from department to department until he was frustrated and hung up. He sent written requests asking for their findings after the investigation and they never responded. Instead, the following day after they received the second set of written requests, they closed his account. This was just very unexpected from USAA because I have been a loyal customer for over 20 years and they have always provided the best customer service. In this instance, it seems like they allowed suspicious transactions that should have been flagged to proceed and now they are holding my son and now me ( because they have added my name back to all correspondence ) now that they have " determined '' these were not unauthorized transactions. Yet

ZIP_code:
 etc. The withdrawals were in {$400.00} - {$500.00} increments so they should have ATM footage. Did they check the XXXX XXXX to see if they have footage of the first unauthorized transaction listed as a debit or credit card transaction? All around us people are gaining access to consumer information fraudulently ( health records

Consumer_disputed:
 report the activity as soon as he saw it. We expected the bank to properly investigate this matter and resolve it. They state they investigated the matter and found the transactions were not fraudulent. We are saying the transactions were fraudulent and want the bank to supply my son with their findings so we can properly resolve this matter. At this point

Complaint_ID:
 we are being told they investigated the matter but they will not supply us with proof of this after multiple requests. They took my name off of correspondence when my son turned XXXX but now my name has been added back to correspondence since they deem the transactions our responsibility stating they XXXX report both of us to the credit reporting agencies. How can a banking institution be allowed to do this without providing supporting documentation of their findings? They did n't do their job by stopping the fraudulent transactions in a timely manner so now they blame the victims and we have no recourse? Consumers have rights victims of identity theft should not be treated like this. 


Date_received: 01/31/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company: I contacted mortgage company and asked for a forbearance
Submitted_via: I received a denial letter for my loan modification. Their treatment in my opinion has been unfair
Complaint_ID: Yes
Consumer_narrative:
XX/XX/XXXX, my then wife and myself purchased our home. At the time, mortgage companies were mostly approving " interest-only '' mortgages. XX/XX/XXXX

Company_public_response:
 my wife died from XXXX XXXX. I continued paying the mortgage until XX/XX/XXXX. I received a notice from the mortgage company that the "" interest-only '' period ended and my mortgage would be doubled to include payment on the principal. My employer suddenly closed down. I applied for social security benefits from my deceased spouse. While everything was being processed

State:
 I just needed a few months not to pay mortgage.I wanted the term extended to back end of mortgage term. I was ready to pay the new amount after the few month period. I was denied over and over again by the mortgage company. In addition

ZIP_code:
 the mortgage company kept changing contact representatives. They also kept losing paperwork that I submitted per their request. On XX/XX/XXXX


Date_received: 02/09/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Complaint_ID: Yes
Consumer_narrative:
My current balance is currently : {$540.00} The account is showing that my balance is currently : {$1400.00}, which is highly incorrect. I am requesting this account be investigated or the account be validated 


Product: we received two letters
Complaint_ID: Yes
Date_received:
We waited appx. 30 days and still had no answer as to what the mortgage company recommended and if we qualify for any programs under the MHA in XXXX. In addition

Subproduct:
 one letter states we did n't submit all documentation and that we had called and cancelled the application. If that has n't made matters worse


Date_received: Today
Complaint_ID: Yes
Product:
 I received a Certified Letter from their attorney now claiming further action on our account if unpaid and foreclosure proceedings are definitely moving forward. Our PMI insurance company has even spoken to them and they keep adding new documentation requests that are completely outside of the RMA application requirements. We feel that the mortgage company is doing this to delay our application


Date_received: 01/27/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Complaint_ID: Yes
Consumer_narrative:
My deposits and money in my account should cover all expenses. XXXX check that i deposited was unable to be processed by the bank due to " connectivity errors '' by the app. I get a overdraft fee


Complaint_ID: Yes
Date_received:
02/04/2016,Debt collection,Payday loan,Cont'd attempts collect debt not owed,Debt is not mine,I am being harassed by a company called CBJ collections stating I took a payday loan in 2009 of {$600.00}. I have no recollection of that whatsoever


Complaint_ID: Yes
Date_received:
The Experian website is difficult to use and very confusing unless you want to give Experian your hard-earned money. Printing out a readable copy of my "" free '' Experian credit report was confusing and difficult. I use computer ALL the time and prepare tax returns for a living so if I say it 's confusing

Product:
 IT 'S CONFUSING! I exited the site then and there realizing that their website is not REALLY designed to help you find your free credit report. I then made my way to 'annualcreditreport.com '. I was eventually able to print all XXXX credit reports on XX/XX/XXXX ONLY. Experian charged me {$21.00} for a "" free credit report ''. .Experian debited my bank account for {$21.00} on XXXX XXXX

Subproduct:
 2016 ( 10 days later )!!!. I ordered nothing from them. I tried to contact Experian about this but they have no customer service number and no information about their overcharging customers. I only have XXXX credit report from Experian dated XXXX XXXX


Date_received: 02/13/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
ZIP_code: provided me no receipt
Date_sent_to_company: disturbing and frightening
Complaint_ID: Yes
Consumer_narrative:
on XXXX XXXX at XXXX I visited the XXXX location of Bank of America to place a {$150.00} cash loan payment in my sister 's checking account. The parking lot had an armed guard dressed in " swat '' gear which was alarming. I tried to go through the drive through and found all of them closed with cars parked in their lanes. I was pressed for time as i work XXXX jobs and was trying to get this deposit done so it would post quickly and so i would not miss time off my job running this errand. I asked for a checking account deposit slip and filled it out. I asked the teller "" why are all your drive throughs closed and what is the deal with the armed guard in your parking lot? "" .. "" Oh because we are so close to the interstate we have additional security ... I found that odd as my own personal bank XXXX

Company_public_response:
 is just down the same road and has no demonstrable need for such additional security features. I told her my sister was in the XXXX on vacation and would be checking to see when my payment to her would post. She asked to see my ID

Company:
 even though i was wearing a photo ID from the medical laboratory for whom i work part time in the afternoons. I showed her my driver license in my wallet. She asked me to take it out so it could be "" snap-photo 'd '' from an overhead camera. I found this very disturbing and "" invasive '' of my and my sisters privacy. I asked her why she needed the personal information ... she started to mumble about security ... but having read about operation "" choke-point ''. I was familiar with the dept of justice program where banks are being intimidated into not letting customers use cash for their businesses. This was not a business

State:
 was not a transaction over {$10000.00} and providing that level of personal information for accepting a {$150.00} deposit i found ridiculous and very poor service to the consumer. I told the young lady who had both the deposit slip and the XXXX {$50.00} bills that i would not be providing any additional photo id or information and turned to leave. She remained in possession of my sister 's {$150.00} cash deposit

Submitted_via:
 tried to give me the money back and called the security guard as i exited the door. I got into my car locked the door and left the bank. I verified with my sister that as of close of business on friday XXXX XXXX the funds had not been deposited into the account number given to the teller. My sister made several attempts to contact the bank via phone and via "" private numbers '' given to her by Bank of America without success. No one returned her multiple calls. Once cash money is given to a banking institution a receipt must be provided to the depositor. Funds received by a banking institution should be deposited into the appropriate account number given ( they should not be held out for teller issues or resolution ). Disclosure was not given to me at the time that i could have deposited at an ATM device and would not have had to produce ID to do so. I do not possess a smartfone and therefore have no means to do photo bank deposits. My concern was getting this loan payment to my sister so that she in turn would be able to make her payment on time and not face late charges. This whole situation was very intimidating


Date_received: 02/04/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Complaint_ID: Yes
Consumer_narrative:
Equifax has a collection listed on my report that does not belong to me ( XXXX XXXX XXXX XXXX XXXX ). I have never been to XXXX XXXX XXXX so I knew this was a mistake. Before I disputed this collection I called both XXXX and XXXX XXXX XXXX XXXX 2016 to confirm this was a mistake. Indeed both confirmed they had no record of this collection in my name, address, phone, social #, or spouse or child. I then disputed this with Equifax providing all the information I had acquired, contact numbers, contact names, addresses, date of conversation and so forth. I had to file through the mail because Equifax online system would not let me file via online. I mailed in the information around the XXXX of XXXX. I called on XXXX XXXX to inquire the status of the investigation through Equifax customer service and spoke to a supervisor. He informed me the " investigation '' was complete and that they had confirmed through XXXX XXXX XXXX that the account in collection was mine. I said really! I informed him I had talks to both XXXX and XXXX XXXX and they confirmed to me as I stated in the letter that I was not in collection with them and that they had no record that I ever was at all. I ask that he call XXXX via a phone conference right then but he refused. I told him that I would contact them again and get a confirmation letter from them stating they had no record of me and that this collection should be removed from my credit report. So I called XXXX XXXX Services XXXX/XXXX/16 and spoke with XXXX XXXX from that agency. I gave him all the information he requested in order to investigate for himself that there was no collection through them from XXXX XXXX XXXX in my name. I emailed him my Equifax report showing XXXX XXXX listed as a collection agency for XXXX XXXX XXXX. XXXX XXXX investigated and confirmed that there was no record of a collection in my name for XXXX XXXX. He also told me that Equifax never contacted his agency to confirm the allegation. He said XXXX XXXX had not filed a collection for XXXX medical clinic to Equifax in my name. KC then sent me a letter of confirmation to that fact to give to Equifax. So today XXXX XXXX


Product: Inc."
Subproduct: NY
Issue: 13337
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 02/13/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
02/13/2016,Credit reporting,,Incorrect information on credit report,Personal information,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Product: had it returned XXXX/XXXX/XXXX
Subproduct: and said my new lower payment of {$1300.00} would start XXXX/XXXX/XXXX. However
Issue: after much discussion and noting his mistake
Company_public_response: regardless of account status. So
Complaint_ID: Yes
Date_received:
Fast forward to XXXX XXXX. I began the process of attempting to refinance my home in order to take some equity out and payoff the BK as well as to make some home repairs. When our lender attempted to get a payoff on the NationStar loan, we were told that I am in arrears, and that the loan is not current as the payment per month is {$1500.00} ( not the {$1200.00} that my rep, XXXX XXXX, had quoted me ). After another SEVERAL hours on the phone ( all documented with time stamps ), I have been told that the escrow analysis was never run and that my payment has been short every month since XXXX, the amount of the PMI. They further stated that I will have to come up with an additional {$2500.00} to cover the shortage and that once the loan is purchased/paid in full, I would receive a refund check in that amount as they show in their system as " pending funds. '' I finally reached XXXX XXXX ( the original rep I worked with to have this removed ) and ask how this can since he told me that the analysis was run and gave me the amount of the new payment? Needless to say that was over a week ago. He submitted for the escrow analysis XXXX/XXXX/XXXX

Subissue:
 I demanded resolve in showing my account as current through XXXX XXXX as I was making the payment HE quoted me. He said he would get it resolved and call me with the solution - that was XXXX/XXXX/XXXX. I have called and left 8 messages since

Consumer_narrative:
 and not received ANY communication or call back. During this process I ask "" If my payment was short ( which it was n't ) - why was I never notified of that? '' The response I received was that no written documentation is sent to people that are currently in Chapter XXXX BK proceedings


Product: when I asked if Citi Cards was acknowledging that XXXX had made a misrepresentation
Subproduct: I received a message from XXXX
Issue: a senior account specialist
Complaint_ID: Yes
Date_received:
I, then, engaged in a lengthy back-and-forth with the Customer Service Department at Citi Cards. At first, the representatives simply ignored my complaint. Then I received a response that my request was untimely because refunds were only possible within 30 days from the mailing of the statement with that charge. ( I was charged {$95.00} on XXXX XXXX, XXXX ). When I reiterated that Citi Card 's supervisor XXXX had told me the unused portion of the fee would be reimbursed, I received a message apologizing for the " incorrect information you received. '' Then


Product: LLC"
Subproduct: CA
Issue: 945XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 02/01/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
,Company believes it acted appropriately as authorized by contract or law,Collins & Hilton Asset Group


Date_received: On XXXX/XXXX/XXXX
Subproduct: to Chase 's legal counsel and directly to Chase rep.
Issue: XXXX XXXX
Subissue: as requested by Chase and approved by Chase 's counsel. ( Exhibit A ). Around XXXX/XXXX/XXXX
Complaint_ID: Yes
Product:
 XXXX emailed a complete loan modification application ( "" the XXXX XXXX application '' ) on behalf of XXXX


Date_received: On XXXX/XXXX/XXXX
Product: Chase 's counsel emailed XXXX a letter denying XXXX for a Chase Modification
Issue: employment
Subissue: assets
Consumer_narrative: identity
Company_public_response: and/or property occupancy. '' ( Exhibit B ). XXXX
Company: believing these reasons to be both improper and contradictory
Complaint_ID: Yes
Subproduct:
 on the grounds that Chase was "" not able to create an affordable payment equal to the required percentage of the [ the borrower 's ] reported monthly gross income without changing the terms of [ the borrower 's ] mortgage beyond the modification program 's requirements. '' This same letter denied XXXX for a Chase Modification with Principal Forgiveness because Chase "" could not verify [ XXXX 's ] income


Date_received: After XXXX submitted the appeal
Product: XXXX XXXX of XXXX had two phone conversations with Chase rep. XXXX XXXX. On XXXX/XXXX/XXXX
Company_public_response: XXXX did not submit this application. Despite any error in the previous application
Complaint_ID: Yes
Subproduct:
 XXXX XXXX informed XXXX XXXX that the denial was based on Chase 's inability to verify XXXX 's income

Issue:
 employment and occupancy. XXXX 's income and employment had been clearly documented in the application ; the application had also explicitly stated that XXXX does not live in the subject property

Subissue:
 and that it is a second home in which his mother and sister live. The documents submitted with the XXXX XXXX application confirmed this. During a second telephone conversation on XXXX/XXXX/XXXX

Consumer_narrative:
 XXXX XXXX stated that the XXXX XXXX application was not reviewed because an earlier application submitted by or on behalf of the borrower incorrectly stated it was his primary residence. As noted to XXXX XXXX


Date_received: At a foreclosure settlement conference on XXXX/XXXX/XXXX
Subproduct: Chase 's counsel emailed XXXX stating that Chase would not review the application
Complaint_ID: Yes
Product:
 Chase 's counsel admitted that the denial was a "" streamline denial. '' She confirmed that the denial was not based on any information in the XXXX XXXX application because Chase had not actually reviewed it. The court directed that Chase review the XXXX XXXX application. On XXXX/XXXX/XXXX


Product: upon receipt of a loss mitigation application
Complaint_ID: Yes
Date_received:
Chase 's admitted and repeated refusal to review the complete loan modification application is a flagrant violation of RESPA 's loss mitigation rules. Pursuant to RESPA 's loss mitigation rules

Subproduct:
 a servicer must determine if the application is either complete or incomplete and notify the borrower of its determination "" in writing within 5 days. '' 12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ) ( B ). If Chase discovered that additional information was required to "" verify the RMA

Issue:
 '' Chase was required to request the information promptly. 12 C.F.R. 1024.41 ( c ) ( 2 ) ( iv ). If a loss mitigation application is facially complete

Subissue:
 the servicer must "" evaluate the borrower for all loss mitigation options available to to the borrower '' within 30 days. 12 C.F.R. 1024.41 ( c ) ( 1 ). Accordingly

Consumer_narrative:
 Chase should have evaluated XXXX for all loss mitigation options once it became facially complete on XXXX/XXXX/XXXX. However


Complaint_ID: Yes
Date_received:
02/14/2016,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt is not mine,I never received a bill from the hospital or collection agency. This debt is for a hospital bill for my grandson. He lives with me. His mother has medicaid for his insurance. I brought the child to the hospital for emergency care. Upon checking my credit


Date_received: On Friday
Product: XXXX/XXXX/XXXX and on Saturday
Subproduct: XXXX/XXXX/XXXX
Complaint_ID: Yes
Issue:
 I received text messages advising me that legal action ( lawsuit ) is scheduled to be filed against me on Tuesday


Complaint_ID: No
Date_received:
These accounts where paid off long before I even filed for Bankruptcy. How if they " verified '' the information


Complaint_ID: No
Date_received:
02/15/2016,Credit reporting,,Credit reporting company's investigation,No notice of investigation status/result,I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day and can not verify this account


Date_received: 02/04/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: attempted and failed to contact XXXX
Company: left a message. XXXX/XXXX/XXXX
State: spoke with deed in lieu department who is leaving a message for XXXX to call. XXXX/XXXX/XXXX
Submitted_via: called but could not reach XXXX
Company_response: was given Manager 's POC. XXXX/XXXX/XXXX called for update
Timely_response: Spoke to XXXX XXXX
Complaint_ID: after being asked the status of my Deed in XXXX
Consumer_narrative:
I started my Deed In Lieu of Foreclosure in XXXX of XXXX. After several attempts to contact the bank and being told that the missing paperwork letter that we received was automatically sent out. On XXXX/XXXX/XXXX, we were assigned our lone specialist, XXXX XXXX. On XXXX/XXXX/XXXX, we called and spoke with the customer service representative, XXXX, who told us that the paperwork should have been sent within the first 48 hours but the system showed that the paperwork was not sent until two weeks later. On XXXX/XXXX/XXXX, was transferred through XXXX representatives until XXXX answered his phone. He stated that XXXX. appraisal, containing fair market value and specific details of the home including being permanently affixed to the ground, was completed and was only waiting on the title. XXXX/XXXX/XXXX XXXX had received the title and stated that he " found everything we needed to clear title. '' XXXX/XXXX/XXXX

ZIP_code:
 we were notified that a survey needed to be done and the VIN number was needed. XXXX/XXXX/XXXX we were told that the final paperwork was being prepared. XXXX/XXXX/XXXX

Date_sent_to_company:
 left message and emailed to notify that I could no longer afford to make the mortgage payment because I had returned from deployment and was no longer receiving extra pay. XXXX/XXXX/XXXX spoke to XXXX who said he spent request to attorneys on XXXX/XXXX/XXXX. XXXX/XXXX/XXXX called and could not get in contact with XXXX

Consumer_disputed:
 who could not locate XXXX. Received phone call on XXXX/XXXX/XXXX from bank asking if I had any questions about my loan


Date_received: 02/15/2016
Product: Debt collection
Subproduct: I do not know
Issue: Improper contact or sharing of info
Subissue: Contacted employer after asked not to
Company_public_response: residing at XXXX XXXX XXXX XXXX XXXX
Company: NY XXXX
Complaint_ID: Yes
Consumer_narrative:
XXXX caused me embarrassment and harassment by contacting my employer to " command '' information on my employment and income with the intention of collecting a debt for XXXX XXXX for a person with my same first and last name


Product: NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Complaint_ID: Yes
Date_received:
Therefore I would like to file a formal complaint against XXXX XXXX XXXX XXXX at Law XXXX XXXX XXXX XXXX


Date_received: 02/09/2016
Product: Credit card
Issue: Advertising and marketing
Company_public_response: or on the Signature card promotion page. It is only when you go to the application page
Company: that the Platinum card is even mentioned
ZIP_code: '' at the bottom of the page
Date_sent_to_company: that a provision appears
Company_response: in the smallest type font on the page
Timely_response: stating that B of A may approve a Platinum card
Consumer_disputed: instead of a Signature card. But even there
Complaint_ID: it does not state that by applying for a Signature card
Consumer_narrative:
I am complaining about a bait-and-switch credit card offer, for an XXXX credit card offered by Bank of America. XXXX is promoting a XXXX Signature card, which provides for free baggage check and other worthwhile benefits. I applied for the card, on-line, and was approved. I received a credit card in the mail, but after taking a closer look, I saw that it was a Platinum Card, not a Signature card. The card did not include free bag check, or any other significant benefits. The card had a {$1000.00} limit, and cost $ XXXX. I had not applied for this card. When I called B of A, I was told that the card already had a {$50.00} charge. I was able to cancel the card, but I was disturbed by the obvious bait-and-switch tactic. I went back to the XXXX web site. Nowhere does it say that I am applying for a Platinum card. " Platinum '' is not mentioned on the home page

State:
 and nowhere does it state that the application is for either card. It is only by going down to the "" Terms and Conditions

Submitted_via:
 and then scrolling down through the "" Terms and Conditions '' to a section that is not even initially visible


Subproduct: I would have ended up paying a {$50.00} fee for a high interest
Complaint_ID: it does not state that by applying for a Signature card
Date_received:
This offer is clearly designed to allow B of A to bait-and-switch the Platinum card for Signature card

Product:
 without any adequate warning to the consumer. If I had not closely looked at the card after it arrived


Date_received: I spoke with representatives of both XXXX and Bank of America
Product: explaining the deception
Issue: but told me there was nothing that could be done
Complaint_ID: it does not state that by applying for a Signature card
Subproduct:
 and asking that they change the ad. The XXXX representatives with whom I spoke agreed that that web page was deceptive

Subissue:
 because Bank of America controlled the content. The Bank of America representatives told me that someone would be in touch with me


Complaint_ID: it does not state that by applying for a Signature card
Date_received:
02/01/2016,Debt collection,Payday loan,Communication tactics,Frequent or repeated calls,I got a loan from a Payday/Installment Business Place in XXXX GA. When I took the loan out 3 mos ago they told me that it was an Personal installment loan and i agreed i didnt have to put any of my stuff up the man behind the counter told me he already took care of that. I asked him and he showed me a paper of many items on a list I told him that I dont own any of that and he told me dont worry that he makes up paper work all the time so he told me my 1 st payment will be around {$70.00} dollars because I am on SSI check I get once a month. I get {$680.00} to live on a month for myself and my younger son. I went into pay my 1st payment and since i was 1 day early I had to pay a fee of {$110.00} that upset me I asked the lady where that man was that took my loan app. And she said that he is not with the company anymore so they moved me from a installment loan to a XXXX payday loan how could they do that without telling me until the last minute this is very wrong I could not pay {$700.00} back to them so the lady told me that she will keep my payments low. On XXXX XXXX XXXX I called Insta Loan in XXXX Ga


Product: I asked my wife
Subissue: spoke to XXXX XXXX. VP and was told there was nothing she could do
Company: it was out of her hands. After several attempts of calling XXXX XXXX and XXXX XXXX
Date_sent_to_company: then the next day he was waiting on the fraud unit to close out XXXX
Complaint_ID: I was given a {$30000.00} certified check from Suntrust from XXXX bank
Date_received:
02/09/2016,Bank account or service,Checking account,Using a debit or ATM card,,To : Consumer Financial Protection On XXXX/XXXX/15

Subproduct:
 XXXX to deposit my retirement check into our XXXX. I have always considered the organization to be a part of me even though wife started the organization before I met and married her. Down through the years

Issue:
 we have deposited many of my checks into that account which has never been a problem for us. My wife have handled very large sums of money for me EVEN BEFORE WE GOT MARRIED AND SHE HAS NEVER TAKEN FROM ME.. I will always trust her and she the same with me. After she told me what happened we both were beside ourselves. I could not believe how they spoke to her. We knew it was a mistake. After my wife went to the bank on XXXX XXXX

Consumer_narrative:
 we both on thought it was best to go on Saturday XXXX XXXX to let her know who I was. I asked her to call wherever she needed to call to let them know I was there. When I tried to give her my driver 's license and XXXX card which she refuse to look at them. She was very adamant and told me it was out of her hands.I went back that Monday

Company_public_response:
 asking for my check. I told her that I was not leaving until I could get it. It was at that time she looked at my XXXX after she made the call. Again she told me it was nothing she could do

State:
 I finally got XXXX XXXX on the telephone ; he first stated he could not speak with me because my name was not on the checking account. I reminded him that it was my check that I was calling about then he abruptly said he would probably mail it. I told him it was close to XXXX and we needed the check to do what needed to be done. He did n't say anything else

ZIP_code:
 he hung up the telephone. He told my wife he was holding my check and not closing the account out yet making sure no activities were on the account. She asked him how he could pay money from my check when they said the check was fraudulently handled. He said he could and they can send the check when they felt like it. It was out of his control. XXXX XXXX never called back. XXXX XXXX made so many promises to my wife that he was going to do the best he could but each time we called XXXX XXXX

Submitted_via:
 XXXX XXXX seemed to be upset and he would change and say he could n't do anything. XXXX time he was waiting on it to come out of depository

Company_response:
 even though we received letters ( see exhibit XXXX ) that the account was being closed and would be reported as fraudulent account. After that I closed my account out with them ( exhibit XXXX ) The early retirement was taken because of emergency ; my wife needed a minor XXXX

Timely_response:
 repairs. XXXX for our XXXX and for some to get home with their relatives. None of the above has been done. A few of our children left because once again someone broke a promise to them. These children were XXXX. We have had an account with Suntrust for years and my wife much longer. We have never had a problem with the bank. As you can see XXXX of ( exhibits XXXX ) we are the main contributors

Consumer_disputed:
 in-kind and monetarily. We ask that you really help us with this. I am XXXX and my wife XXXX years old with no where to turn. As you can see we desperately need to pay our bills. ( Exhibit XXXX ) On the XXXX of XXXX


Date_received: 02/15/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
US Bank failed to pay my homeowners insurance for the XX/XX/XXXX-XX/XX/XXXX year. I had to notify them that they did not pay my insurance through my escrow account. Then they send me a letter stating that they are putting in insurance on my house for the XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX. They then bill my escrow account for this insurance. I attempt to put insurance on my house for XX/XX/XXXX-XX/XX/XXXX on two separate occasions and US Bank does NOT pay the premiums so my insurance is canceled. Then they send me a letter stating that I do not have insurance on my house for XX/XX/XXXX-XX/XX/XXXX and they AGAIN put THEIR insurance on my house. They refuse to talk to me on the phone, keeping me in their queue for over three hours at a time. Now because they have insured me for last year and this year- my escrow has been doubled billed and this has created a " shortage '' which has increased my house payment over {$300.00} a month. Since they are supposed to pay my insurance from my escrow account and they failed to do this in XX/XX/XXXX


Date_received: I contact XXXX and they state, " While Ally furnishes information to the credit reporting agencies
Complaint_ID: Yes
Product:
 it is the credit reporting agencies responsibility to accurately reflect that information on your credit report ''. If this is true


Complaint_ID: Yes
Date_received:
I spoke with multiple reps and managers with XXXX XXXX as well. XXXX XXXX says that they can not report nor correct the correct information and that I must contact Experian to have the information updated to reflect the account paid and closed as of XXXX XXXX. By refusing to direct Experian to update the account with the correct info


Complaint_ID: Yes
Date_received:
I spoke with multiple reps and managers with General Revenue as well. General Revenue says that they can not report nor correct the incorrect information and that I must contact XXXX to have the information updated to reflect the account paid and closed as of XXXX XXXX. By refusing to direct XXXX to update the account with the correct info


Date_received: 02/15/2016
Product: Prepaid card
Subproduct: General purpose card
Issue: Fees
Company: XXXX TX XXXX. Reading carefully the documentation that came with this card
Complaint_ID: Yes
Consumer_narrative:
I was sent an unsolicited prepaid card in the mail. I looked over the material that came with it carefully and saw that there was a list of fees. Among the fees listed was an " Account Maintenance ( Inactivity ) fee '' of {$5.00} per month. I am not sure whether or not I have to activate this card in order to be assessed this fee

Company_public_response:
 but it seems to me that being sent something that I did not apply for and possibly being assessed a fee for not using it may be worth your attention. The company that sent this is netSpend at XXXX. XXXX XXXX


Date_received: 02/04/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer_narrative: This is a deb for the person named " XXXX XXXX ''
Complaint_ID: Yes
Company_public_response:
 but my name is "" XXXX XXXX ''. Somehow they put this debt to my social security number. I never lived in that apartment that generated the debt. Called the debt collect within 30 days of receiving the debt in 2014


Date_received: 02/09/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Complaint_ID: Yes
Consumer_narrative:
This is my 3rd request to have my state tax lien status reflected as " RELEASED ''. I disputed two previous reports hoping that it would display my status ; however


Subproduct: electricity
Issue: Internet/TV/phone
Complaint_ID: Yes
Date_received:
02/04/2016,Student loan,Non-federal student loan,Dealing with my lender or servicer,Received bad information about my loan,Personally

Product:
 I would like to stop paying because of XXXX reasons : 1. A large part of my debt does not fall under the classification : "" Qualifies Higher Education Expense '' The XXXX XXXX Private Signature loan paid for tuition and living expenses. I received a check to pay for all of my living expenses off-campus because XXXX XXXX University does not have dormitories. The check I received paid for the condo unit


Date_received: Amount {$17000.00} + 4 % at disbursement= {$18000.00} List of months and interest rates : XXXX XXXX
Product: XXXX : Quarterly Interest Statement # XXXX Loan Date : XXXX XXXX
Subissue: XXXX : Quarterly Interest Statement # XXXX Loan Date : XXXX XXXX
Complaint_ID: Yes
Subproduct:
 XXXX Annual Percentage Rate : 12.00 % Original Loan Amount : {$40000.00} Outstanding Principal : {$41000.00} XXXX XXXX

Issue:
 XXXX : Received Payment Schedule and Disclosure Statement # XXXX Annual Percentage Rate : 12.458 % Financed Charge : {$44000.00} Amount Financed {$49000.00} Total Payments : {$94000.00} # XXXX Annual Percentage Rate : 12.458 % Finance Charge {$26000.00} Amount Financed : {$17000.00} Total Payments : {$44000.00} Current Index : 8.75 % School : 3.750 % Grace : 3.750 % Repayment : 3.750 % XXXX XXXX

Consumer_narrative:
 XXXX Annual Percentage Rate : 12.00 % Original Loan Amount : {$40000.00} Outstanding Principal : {$41000.00} # XXXX Loan Date : XXXX XXXX

Company_public_response:
 XXXX Annual Percentage Rate : 12.00 % Original Loan Amount : {$17000.00} Outstanding Principal : {$18000.00} Outstanding Interest : {$3700.00} on # XXXX & # XXXX XXXX XXXX

Company:
 XXXX : Capitalized interest on principal of {$59000.00} as of this date is {$5500.00}. Interest while in school 11.5 % XXXX XXXX

State:
 XXXX : Capitalized interest on principal of {$59000.00} as of this date is $ XXXX.Interest after completing school and during Grace Period. 11.0 % XXXX XXXX


Date_received: 02/15/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
State: she asked did n't ehce closer call you 10 days ago
Submitted_via: we received another closing statement
Complaint_ID: Yes
Consumer_narrative:
I applied for a pre-approval with Sirva Mortgage on XXXX XXXX, I received approval for $ XXXX - I advised that I did not plan to buy until XXXX as it is a relocation through my job promotion. We agreed we would put down XXXX % of the loan as the deposit and my company would pay for the closing cost and i would be responsible for prepaids. A couple days later we ended up finding a property for $ XXXX, my relator reached out to XXXX asking for a preapproval letter and with the offer we planned to make asking for $ XXXX in prepaids. We spoke with XXXX XXXX a loan relocation counselor and she stated it was illegal for us to ask for the seller to pay anymore than $ XXXX - my relator challenged her and explained the amount of the takes - she was admit that the prepaids would not be more than $ XXXX - this conversation took place with her on XXXX XXXX - from that moment on, we knew we had to show up to closing with 5 % minus the deposit we put down which meant we would need to come to closing with $ XXXX. On numberous different occasions we received a new loan disclosing document - in speaking with our processor, she stated they were not accurate and as it got closure we would have a more accurate document. After our home inspection, there were some repairs that needed to be fixed, we agreed with the seller to accept a $ XXXX seller credit for repairs. On XXXX XXXX, we received what was supposed to be our " final '' loan disclosure showing what we needed to bring to closing. The amount was about $ XXXX different than what Iwe were previously told to bring to closing - with a remaining $ XXXX and the difference of the $ XXXX for repairs we were under the impression coming to closing would be reduced meaning e would need to report to closing with about $ XXXX - I called into the processor that day - mid-day

Company_public_response:
 I did n't get a response back from the processor until about XXXX and she was asking where we were going to get the remainder of the funds to close - I explained again as I had XX/XX/XXXX XX/XX/XXXX it would come from my husband and I pay as at this time we had $ XXXX - I asked why the $ XXXX repair credit was not listed and she stated she did n't know but would call me back - she also stated that I would need to have 2 months of reserve prior to closing - I explained that at no time did anyone ever tell us this and now 7 days prior to close they are saying we owe more than anyone had ever told us. She returned a call to me about XXXX stating that they corrected the error on the sheet and now we only need to come to closing with $ XXXX - I explained that was never shared with us - she then explained she understood why we thought the numbers were different but the issue was that the loan counselor XXXX gave us the wrong number she stated that pre-paids were actually {$6900.00} and the $ XXXX repair credit was used to offset that - I explained that no one has ever shared that and she then explained that aalthough my job was paying all my closing cost that {$980.00} could not be paid by my job and had to be added to the prepaids. I sent an e-mail of complaint that Friday night

Company:
 on Mondday I continued the conversation with the processor who then sent me another statement reporting we needed $ XXXX - I stated this did n't make since

ZIP_code:
 I explained I received an e-mail from the closer asking if we were going to be at the closing but no conversation. Later that day

Date_sent_to_company:
 then a different on Tuesday and a different one on Wednesday and then I received a call from the CEO - "" XXXX '' attempting to explain the issue and advised they were going to give a lenders credit so we would be at closing with the $ XXXX but we are still short $ XXXX for repairs


Date_received: 02/15/2016
Product: Credit card
Issue: Credit determination
Complaint_ID: Yes
Consumer_narrative:
Chase violated the FCRA by accessing my credit report to conduct " Account review inquires '' after my account relationship had ended with Chase. This meant that Chase made these inquires to all three of the CRA ( Credit Reporting Agencies )


Product: LLC"
Subproduct: CO
Issue: 80524
Subissue: Servicemember
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 02/04/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
02/04/2016,Debt collection,I do not know,Cont'd attempts collect debt not owed,Debt was paid,,,National Credit Adjusters


Date_received: 02/15/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Complaint_ID: Yes
Consumer_narrative:
My telephone ID states " Bloomingdales. '' When I pick up the telephone it is Macys. Macys is trying to collect a fabricated debt. Alternatively


Complaint_ID: Yes
Date_received:
02/15/2016,Credit reporting,,Credit reporting company's investigation,No notice of investigation status/result,Two requests have been sent requesting a security freeze be placed on my credit file as I am a victim of identity theft and want to prevent any further fraudulent use of my credit information. Both requests were sent USPS Certified

Product:
 which were signed received on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. Included in my request a copy of my police report


Product: LLP"
Subproduct: LA
Issue: 707XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 02/04/2016
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,Linebarger Goggan Blair & Sampson


Date_received: 02/16/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Complaint_ID: Yes
Consumer_narrative:
This debt collection agency has repeatedly violated my rights by reporting inaccurate information to the credit reports after I challenged the validity of the debt, I requested to validate the debt and by doing so has had an adverse impact on my livelihood. I even send a check by certified mail, which was signed by " rent recovery '' in order to prevent further damage to my credit report. It is imperative to note that I challenged the validity of this debt within the 30 days allowed by law

Company_public_response:
 did not get a response and during that time they reported it to the credit bureaus. After my last letter dated XXXX/XXXX/15 they stopped communication


Product: requesting proof of debt. The evidence provided was a hand written claim for cleaning
Complaint_ID: Yes
Date_received:
Points presented to prove this : 1. The first communication ever sent to me or my daughter who I signed for as co-signer for was on XXXX/XXXX/15. I responded to the letter within 30 days certified receipt signed XXXX/XXXX/15 by XXXX XXXX


Date_received: 3. On XXXX/XXXX/15 my wife called and spoke with XXXX XXXX XXXX
Product: explained the entire situation including the still disputed validity of debt
Complaint_ID: Yes
Subproduct:
 discussed the inaccurate reporting on my credit report and explained this was impacting my ability to earn a living since I have my own business. She stated to XXXX XXXX that we would make the full payment purely in the spirit of removing this inaccurate information of which valid proof was never provided


Date_received: XXXX XXXX
Product: your first two calls to a Phone24 associate are free of charge. However
Complaint_ID: Yes
Subproduct:
 a {$2.00} fee will apply for each call to a Phone24 associate over two during your statement cycle. "" ***PLEASE STOP THIS IMMEDIATELY

Issue:
 ISSUE REFUNDS FOR ALL SUCH INSTANCES AND PROVIDE ME UNIQUE UNLIMITED PHONE SUPPORT TO SOMEONE TRAINED IN HANDLING XXXX


Subproduct: and I have faxed the information to them twice
Complaint_ID: Yes
Date_received:
02/16/2016,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt was paid,Central Financial Control and XXXX XXXX XXXX XXXX XXXX refuse to acknowledge that payment in full was made and deposited into XXXX account on XXXX/XXXX/2015

Product:
 and to remove their collection notice from my credit bureau reports. I have called CFC to explain this several times


Complaint_ID: No
Date_received:
XXXX told me he wanted to verify the mailing address of " XXXX XXXX '' he did not pronounce my birth name in full and then when I tried to find out the reason he was calling my private cell phone number


Product: at my home
Subproduct: at my elderly parents home
Complaint_ID: No
Date_received:
This consistent relentless harassment is becoming emotionally distressing and has effected me in my personal as well as my professional life. Phone calls have been made at my place of business


Date_received: 02/10/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company: and getting back to me with a resolution. Despite these promises on numerous
State: separate accounts
ZIP_code: I never received any follow up- by phone
Date_sent_to_company: and the first instance was almost 5 years following the date of their claim on debt
Timely_response: health club
Complaint_ID: Yes
Consumer_narrative:
I was first made aware that I had an outstanding debt with " XXXX XXXX '' entity when it first appeared as a derogatory entry reflecting an outstanding debt of {$830.00} ; and after extensive research and number out calls I was made aware that this is an entity owned by and/or affiliated with XXXX. I then called time warner cable approximately 8-10+ times over a period of 4 weeks

Company_public_response:
 with each call having spent in excess of 30-90 minutes per call ; each time ending the call with a different promise from each representative that I spoke to confirming that they would be researching the debt

Submitted_via:
 email not by US mail to validate the debt. The only information that I was given during one of my initial calls with XXXX was that their claim appears to reflect an amount outstanding for equipment that was not turned in following the termination of my cable contract with them dating back to 2011 ; to which I made it clear that I was 100 % certain that I did in fact turn my equipment in at the earlier date to which they were referring. My issue with them notwithstanding their dishonestly and lack of cocern and follow up ; was that I wqs Never informed by any Means ( phone email not US mail ) of this alleged debt

Company_response:
 never once by the entity themselves ( XXXX or under the Alias XXXX ) ; but only on the instance in my credit report Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone


Product: agony and negative reflection this has caused is unacceptable
Complaint_ID: Yes
Date_received:
Remove debt as listed on my credit reports with all XXXX credit reporting entities Immediately. The amount of time


Date_received: 02/05/2016,Consumer Loan,Installment loan,Taking out the loan or lease,,I had a personal
Product: unsecured loan with Wells Fargo
Consumer_narrative: about there being a supervisor in the relevant departments
Complaint_ID: Yes
Subproduct:
 which I paid in full well over a month ago. I have yet to receive any sort of confirmation the loan is paid

Issue:
 or a charge-off statement. The loan is still being reported to my credit. When I attempt to contact Wells Fargo

Subissue:
 they advise me they have no record of me or my loan anywhere when searching by my social security number. They have intentionally lied to me about which department to speak with

Company_public_response:
 and about the process of obtaining proof of payment in full. I have also been hung up on anytime that a person is unable to answer the most simple of questions


Date_received: 02/05/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: even though back in the XXXX of XXXX
Company: my ex husband had to give a verbal authorization for me to speak to Loancare about his loan
Complaint_ID: Yes
Consumer_narrative:
My ex husband purchased a home on XXXX/XXXX/XXXX with only his credit utilized for the mortgage. I had a foreclosure the year prior and did not qualify for a loan on either a home or even a car. My ex husband signed the paperwork for the mortgage. On XXXX/XXXX/XXXX, my ex husband and I separated and he stopped making payments on his home that he lived in. We divorced on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX my credit was affected by his delinquency and also on XXXX/XXXX/XXXX the Loancare mortgage was applied to my credit report even though the entire time my ex husband owned the home, the mortgage account never showed up on my credit report. I called Loancare and it took the customer support specialist over 20 minutes to locate " my initial '' on a part of the paperwork for the mortgage


Product: Inc."
Subproduct: KS
Issue: 66226
Consumer_narrative: N/A
Company_public_response: Postal mail
Company: 02/19/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
02/16/2016,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: 02/05/2016
Product: Money transfers
Subproduct: Domestic (US) money transfer
Issue: Other transaction issues
Complaint_ID: Yes
Consumer_narrative:
( GW stands for Google Wallet ) I am missing {$200.00} from a $ movement transaction w/ GW . I attempted to get this resolved through the XXXX however my complaint was closed down and referred to as " Answered - the business addressed the issues within the complaint


Subproduct: the following day
Consumer_narrative: because my bank demanded the additional {$200.00} back
Complaint_ID: Yes
Date_received:
On XXXX XXXX I requested {$500.00} in the form of XXXX {$200.00} & XXXX {$100.00} separate requests to be sent from my ckg to GW. GW indicated the $ would be available on XXXX XXXX. On XXXX XXXX

Product:
 my bank stmt indicated {$700.00} in the form of XXXX {$200.00} & XXXX {$100.00} separate requests were sent to GW instead of {$500.00}. I contacted my bank and they refunded my unauthor. {$200.00} from GW. On XXXX XXXX {$500.00} as author. by me was available at GW. On this same day my GW acct was suspended due to suspicious activity. This was resolved the same day via showing my license and documentation with my address on it. However

Issue:
 {$200.00} out of my {$500.00} with GW was "" refunded back '' to my ckg acct. I have an email from GW ( attached ) indicating such. I noticed on this same day that my ckg acct that was linked to GW was no longer attached. I have yet to receive the {$200.00} that GW sent back to my ckg acct. Since XXXX XXXX I have been trying to seek resolution. I have been told that this was a chargeback to my ckg acct therefore the money was refunded by my bank and I have also been told that it was a refund which should arrive to my ckg acct within 10 to 12 business days.When my bank instructed me to verify my ckg acct info with GW

Subissue:
 I am told by GW that they are unable to do so and all they could give me was a GW transaction number that holds no use at my bank. I have attempted to explain that the {$200.00} my bank refunded for me is not the same {$200.00} that GW considers a chargeback. I believe GW has confused the transactions and are treating them the same although they were to be treated as XXXX separate transactions. What I believe has happened is that the extra {$200.00} that was taken out of my ckg acct was rerouted by someone who was fraudulently gaining funds from my Google Wallet. If this happened and GW did not receive the additional {$200.00}


Date_received: Since the complaint at XXXX
Complaint_ID: Yes
Product:
 I have shared my bank statement ( attached ) showing the XXXX {$200.00} transactions and XXXX {$100.00} transactions as well as the recovery of XXXX {$200.00} transaction by my bank. GW has also indicated that in their system they showed XXXX {$200.00} transactions on XXXX however their system rejected XXXX {$200.00} payment and it went back to the source

Subproduct:
 my ckg acct. I explained to them that this was n't the case because if XXXX {$200.00} transaction came back to my ckg

Issue:
 then I would have only had {$300.00} in my GW acct on XXXX. If I would have had {$300.00} in with GW

Subissue:
 I would not have been able to make {$280.00} in transactions from XXXX XXXX until XXXX XXXX AND have GW "" chargeback '' {$200.00} of the funds. I would have been in the negative

Consumer_narrative:
 so clearly XXXX {$200.00} and XXXX {$100.00} came through on XXXX and was avail. on XXXX XXXX as authorized. Perhaps the {$200.00} that the GW system rejected rerouted the $ to the wrong acct. Last GW and I left off they wanted me to reopen a case #


Complaint_ID: Yes
Date_received:
I have called 3 separate times and asked to speak to a supervisor ( 2 of those times they said someone would call me back ). Now 3 days later ( still no phone call back ) I called again and finally spoke to a supervisor. Went round and round with someone I could barely understand


Complaint_ID: Yes
Date_received:
This item " Payment Status Late 30 Days '' reported by "" XXXX XXXX XXXX XXXX XXXX '' is inaccurate because the due date for the {$68.00} past due was XXXX XXXX XXXX as you can see on my statement attached below. Payment was made on XXXX XXXX


Date_received: 02/05/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: the last one
Company: XXXX to Seterus
State: with XXXX failing to file a reconveyance. So
Complaint_ID: Yes
Consumer_narrative:
This is the second appeal regarding our mortgage at XXXX and Seterus. After two years of losing docs from us and then losing our file and delaying our efforts at foreclosure and/or deed-in-lieu, Seterus now claims they ca n't foreclose or grant us a deed-in-lieu or a modification because they " just discovered '' a lien on the title. Our loan had been sold and resold from XXXX to XXXX to Seterus


Complaint_ID: Yes
Date_received:
02/10/2016,Credit reporting,,Improper use of my credit report,Report improperly shared by CRC,XXXX XXXX

Product:
 2016 I initiated an online dispute regarding the inaccurate reporting of inquiries and previous addresses on my Equifax file. Prior to that

Subproduct:
 I sent in a letter disputing inquiry information contained on my Equifax Credit Report. I received a notification back when the investigation was completed ( in one day - hardly a thorough investigation )


Complaint_ID: Yes
Date_received:
In their explanation they stated inquiries are factual record of file access. Are other accounts listed on one 's report considered factual reporting of account usage? I would assume and hope so. My Equifax report has contained both adverse and positive account ratings from accounts that were not mine over the years. Could it not be assumed that inquiries can be attributed to one 's credit report belonging to an account that is not their account in the first place? I would think so. If they can misplace and misreport accounts


Date_received: Let me remind you that as a Credit Reporting Agency
Subproduct: not just items that Equifax deems fit to investigate. This includes Names
Issue: Addresses
Subissue: Account Numbers
Consumer_narrative: Account Balances
Complaint_ID: Yes
Product:
 Equifax is bounded in the terms set forth in the FCRA. Also let me remind you that under section 611 of the FCRA that you are required to investigate the completeness or accuracy of any item of information contained in a consumer 's file

Company_public_response:
 and INQUIRIES. Being that inquiries can have an effect on the FICO statistical model and XXXX score


Subproduct: or delete the item from the file in accordance with paragraph ( 5 )
Complaint_ID: Yes
Date_received:
( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute

Product:
 the agency shall reinvestigate free of charge and record the current status of the disputed information


Product: United States Code
Subproduct: imprisoned for not more than 2 years
Complaint_ID: Yes
Date_received:
Let me also make Equifax aware that if they are claiming "" inquiries are factual record of file access '' then they have not only set up the subscribers for lawsuits for a {$1000.00} per non-permissible inquiry but also enable a suit to filed against Equifax employees for {$5000.00} and/or imprisonment for per non-permissible inquiry. ( 620. Unauthorized disclosures by officers or employees [ 15 U.S.C. 1681r ] Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency 's files to a person not authorized to receive that information shall be fined under title 18


Date_received: 02/10/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Complaint_ID: Yes
Consumer_narrative:
I initiated a Deed In Lieu foreclosure in or around XXXX XXXX. As per guidelines, I listed the house for sale for a period of more than 6 months. At the time, we were not given an offer. In or around XXXX XXXX, we proceeded with Deed In Lieu paperwork. As time went on, I would receive letters that required notarized signatures. Around XXXX XXXX, during a routine call, I asked the Loan specialist when would the final judgment be declared. She said all paperwork and final cancellation of loan should occur around the end of XXXX XXXX to the beginning of XXXX XXXX. In XXXX XXXX, I called and asked for a status on the loan. She informed me the paperwork was " at the clerk of court for XXXX county ( parish ) awaiting title clearance for house. '' For four months


Date_received: On XXXX XXXX
Product: XXXX
Consumer_narrative: the new paperwork would take an additional 2 months to get finalized. I asked if
Company_public_response: after all paperwork was completed
Complaint_ID: Yes
Subproduct:
 I spoke with loan specialist supervisor. He explained about a problem shellpoint had with the third party law firm that was contracted to finalize the paperwork. I was told that the law firm sent the paperwork and a check to pay off all outstanding taxes to the clerk of court and that it was {$25.00} short. The clerk sent all paperwork back to the law firm. During this time

Issue:
 that law firm closed down. A new law firm was contracted and was attempting to find all lost paperwork from original firm for more than 2 months. At that time

Subissue:
 he said he would start new paperwork that would have to be resigned and notarized again. If old paperwork was not found

Company:
 that my credit would reflect any past due amounts ending in or around XXXX XXXX due to the fact that the error and delay were on the part of Shell points vendor and not because of myself or my wife


Date_received: 02/10/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Complaint_ID: Yes
Consumer_narrative:
In late XXXX, early XXXX of 2015, I made some purchases that were supposed to go through my XXXX account to my XXXX XXXX account. Instead, XXXX erroneously charged my Suntrust account. I had been trying to remove this account from XXXX for months but kept getting errors. I contacted Suntrust to stop any transactions from XXXX and XXXX, the banker, told me she would handle it. Weeks passed and my account went negative from the issue because the charges were never blocked. I contacted my banker again, only to find out she was no longer with Suntrust. The branch manager at the time stated she would look into it and get back to me. Another week passes and I call to find there is a new branch manager who knows nothing about the situation. I stated I wanted to have this resolved and she said there was nothing she could do because the account was now in closing status. She said to wait until it fully closes and call back. I did. When I called back, I was then told there was nothing I could do because the account was closed and I would have to wait on a letter. Now, this account is reporting to my XXXX and Suntrust is being very " oh well '' about it


Date_received: 02/16/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Complaint_ID: Yes
Consumer_narrative:
I moved out of an apartment XX/XX/XXXX. The apartment complex I moved out of ( and gave my forwarding address to ) never notified me of an outstanding balance nor did they refund me my deposit. The first notification I received of a debt was XXXX XXXX, XXXX from I Q Data International. I called them in regards to my balance and notified them that I had not received any prior notices from them or my apartment complex. They kept arguing with me, telling me that I needed to contact my mail carrier because they had copies of letters they had sent out back XX/XX/XXXX and XX/XX/XXXX. I asked for an itemized list and they would not send one out to me. I did not receive any notice of a balance nor of my right to dispute the balance. If I had, I would have done so! They balance is over {$1800.00} at this point and I have no idea why! They also failed to include the other tenant in their collections, which they are legally obligated to do! I talked my way through XXXX supervisors to finally speak to a man named XXXX XXXX. He was the rudest person I have ever talked to. He kept saying, " I 'm not going to do anything sir. Are you going to pay your bill or not? '' I simply wanted an explanation as to why I was the only one included on the debt and why my first notification of an outstanding balance came 9 months after I moved out and the account had accrued a ton of interest? After doing some research online

Company_public_response:
 I found that this company is notorious for violating the Fair Debt Collection Act. The Attorney General has shut them down before when they were known as XXXX


Date_received: 02/10/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Complaint_ID: Yes
Consumer_narrative:
People keep calling from all different numbers from a company called " NP Group '' telling me that I owe money from 2010. I never took a loan out online. The guy ( XXXX ) called and said I took money out from an online source


Date_received: 02/10/2016
Product: Prepaid card
Subproduct: General purpose card
Issue: Unauthorized transactions/trans. issues
Complaint_ID: Yes
Consumer_narrative:
This is a combination of fraud/scam and unauthorized transactions. US Bank is selling XXXX Prepaid Gift Cards which are n't activated properly upon purchase though the activation slips after purchase indicate they are activated and nothing is wrong. US Bank then forces you to fax in all the card information to their " activation center ''. You do not receive any calls from the activation center

Company_public_response:
 but then the card will be furtively activated without your knowledge and the funds drained. Either US Bank is complicit in supporting this fraud


Product: whatever that is. I asked to speak to a Manager
Subproduct: but was told
Issue: after another extended wait
Subissue: that there was no manager present. However
Complaint_ID: Yes
Date_received:
Now, a month later, another such letter has been received. Again, it is stated that we owe {$780.00} and that it would be deducted from my checking account, deduction to occur three days prior to receiving this notice. In contacting Synchrony agan, and waiting an extended time, I spoke to a Supervisor who said there is a system problem, nothing they can do about it, clients are NOT being notified of the error, and it will continue until it is fixed by their " back line '' people - whomever


Date_received: Had I not been on AutoPay
Complaint_ID: Yes
Product:
 receipt of the initial memo would have likely caused me to overpay and send in the {$780.00} to avoid a late pay situation. Synchrony may be sending out these erroneous notices

Subproduct:
 and receiving extra payments from clients who have no idea that the bills are completely wrong. In addition


Product: and that the consumer 's account and credit report will not be affected. And
Complaint_ID: Yes
Date_received:
This problem needs to be fixed quickly. It has extended beyond one month. Consumers need to be notified that Synchrony has this problem


Date_received: 02/01/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company_public_response: but the credit bureaus restarted the counts ( review my credit files
Complaint_ID: Yes
Consumer_narrative:
I have been notified by XXXX XXXX XXXX that my balance is being provided to all major credit bureaus but the account balance is not being updated. I have not been able to pay on this account due to inaccurate balancing updates. I have attached documentation that the balance should be {$960.00} so that I can begin letting my credit union make payments as they did on my behalf. But I find it unfair to do this and the credit bureaus are not doing their part to update the balance. XXXX XXXX XXXX said it was fine to have the credit union mail payments to the original creditor as which would notify them of the payments received as which, XXXX would then in return notify the credit bureaus. There are old debt ( not that I am admitting to these debts ) that has exceeded the time limit but yet displayed on my credit file. For example, XXXX XXXX XXXX expired XXXX 2016 but still displaying on all credit files. Whenever I disputed a debt, I always said " it 's not my debt '' because of the laws to restart the count


Complaint_ID: Yes
Date_received:
02/01/2016,Student loan,Non-federal student loan,Can't repay my loan,Can't decrease my monthly payments,I have been repaying on my private student loans for the last 6 years and when economic hardship fell upon my family

Product:
 I had defaulted on XXXX my smaller loans. The loan did get paid off but this has effected my credit score as well as my parents and when trying to talk with representatives from the private loan institutions no one is willing to talk or help take care of any of issues or terms of repayment to ease the monthly financial burden. There are no options and the debt burden on myself as well as my parents who are cosigners is effecting everything in our lives. When asked if the terms could be changed or allowed for my cosigner parents to be released from my loans after so many consecutive on time payments

Subproduct:
 the idea was completly dismissed. Its so frustrating and upsetting that there is no relief or willingness to help elevate the burden that so many people are facing with student loan debt. How are you to repay your loans when the whole system is set up for you to most likely fail


Product: Inc."
Subproduct: PA
Issue: 18944
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 01/21/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
01/21/2016,Credit reporting,,Incorrect information on credit report,Personal information,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 02/01/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
In XXXX Nationstar Mortgage company bought my loan from XXXX XXXX XXXX. I did n't realize that my mortgage was being sold, my fault. Ever since they bought it I have had nothing but grief from that company. The balance in XXXX XXXX was {$68000.00}. The balance now is {$64000.00}. They sent me a letter dated XXXX/XXXX/XXXX saying that I have overpaid my Escrow by {$380.00} but because my escrow was changing they were raising my Loan payment by {$40.00} to cover the escrow this year. My taxes have lowered and no change in my insurance. I found out today that the insurance company that I have now is affilated with Nationstar called XXXX XXXX XXXX XXXX. I have made calls to Nationstar and the XXXX. XXXX XXXX. I got " call your insurance company '' from Nationstar


Product: theyre stating I had bounced checks
Subproduct: Ive never written them any checks what-so-ever
Consumer_narrative: however I am unable to attach them to this complaint because they are not saved to my computer
Complaint_ID: Yes
Date_received:
01/21/2016,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt was paid,I have been dealing with this company ( AMCA ) since XXXX when I had a medical bill that fell into collections due to the fact that I moved and never received the bill. I set up a payment plan with the collector and paid off my balance and I even received a case number stating that it was paid in XXXX. I recently discovered a derogatory mark on my credit from them so I called to find out why and apparently they have no record of my automatic payments that were set up or that I paid in full

Issue:
 I have asked for verification and validation of my payments multiple times and never received anything from them. I printed out proof of my payments via bank statements and they still have not removed my balance and also have not removed it from my credit report. I do n't know what to do to take care of this situation

Subissue:
 theyre extremely unorganized I receive different information every time I call them and they never have a clue what is going on. I can provide you with my bank statements via fax as well to show that this has been paid


Product: Inc."
Subproduct: NY
Issue: 117XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 01/21/2016
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,Retrieval-Masters Creditors Bureau


Date_received: 01/21/2016
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: he told me my name was on the check ( which it was not ) so I was legally responsible
State: he told me that I had committed fraud
Company_response: said we could get an extension
Timely_response: then left the conversation and came back and said "" no
Complaint_ID: if we wanted to get our lawyer involved. Eventually
Consumer_narrative:
In XXXX of XXXX, my husband mailed a check to someone who was doing some plumbing work for us at our rental property. This man called and told my husband he had not received the check. Anxious to start the project, he asked my husband to give him a cash card instead. My husband cancelled the check and gave him the money. However, unbeknownst to us, this guy HAD received the check and had cashed it at XXXX ( even though we had stopped payment on the check ). Last XXXX ( XXXX ), we received calls from a Northeast Receivables Mgmt trying to collect the debt from XXXX. My husband produced proof that he had cancelled the check prior to it being cashed and we thought the matter was resolved. The person he spoke to admitted that they had tried to pursue legal action against the guy who had cashed the check, but were unable to get money from him. So, apparently, they hoped that they might be able to try to sucker us into paying it. So, we had assumed this had all been resolved however, yesterday I was contacted by someone at XXXX XXXX, who are now attempting to collect on the debt -- -AGAIN. I do not have the name of the first person I spoke with, but he was incredibly rude and verbally abusive. I repeatedly explained that I thought the issue had been resolved, I told him that he would need to speak with my husband, I asked for his information and a call back number. He continued to berate me : he said that they had made numerous attempts to contact us about the matter ( which was untrue ) and that we had been " evasive '' and been ignoring them therefore if I did not resolve it today

Company_public_response:
 they were going to submit it to the Maine Attorney General and that I would then be responsible for the fees and legal charges

ZIP_code:
 and he told me he would file a complaint with the XXXX under my company name ( which is not the company from which the check was written ). Understandably

Submitted_via:
 I became very angry and upset. I then asked to speak to his supervisor. His name was XXXX XXXX. Initially

Date_sent_to_company:
 he was very cordial on the phone. I explained to him that he would need to speak with my husband on the matter and could I get his phone and the case reference number so my husband could call back. He proceeded to be very accommodating

Consumer_disputed:
 we can not do that ''. I also explained that my husband was travelling and might not be able to respond immediately. They asked if I wanted to give them the name of our lawyer


Date_received: In XXXX
Subproduct: in XXXX
Issue: my newborn was born with XXXX ; XXXX. I was forced to leave my job to help take her
Complaint_ID: Yes
Product:
 I first purchased my home by signing a home loan with XXXX and was immediately transferred to Wells Fargo Bank. I paid my mortgage as agreed on time for years. However

Subissue:
 and also tend my other XXXX children. My baby was in and out of the XXXX for a full year. We were not able to keep up with the mortgage payments and began falling behind. My husband and I did the best we could to catch up with our mortgage payments


Date_received: In XXXX
Issue: I called to arrange my first payment
Consumer_narrative: this set us back
Complaint_ID: Yes
Product:
 I contacted Wells Fargo 's agents advising them of my struggles to keep up with my mortgage payments. Wells Fargo 's agents offered me an opportunity to apply for a loan modification. I submitted three separate loan modification packages. After what seemed like the run around and paper chase with agents requesting and re-requesting the same documents

Subproduct:
 they finally rendered a decision and proposed three month trial payment. This is where it gets difficult ; after we receive the agreement

Subissue:
 but their system showed that we are disqualified due to lack of income. It was terrible ; the lender demanded the full arrears paid in full. They refused to help us


Date_received: Wells Fargo received over {$5.00} XXXX dollars in bailout funds
Complaint_ID: Yes
Product:
 where is my bailout? Wells Fargo 's agents just dragged the process out for over a year and never moved this review forward. I am now facing foreclosure and need your help to resolve my current mortgage crisis. I HAVE A FORECLOSURE DATE SCHEDULED FOR XXXX XXXX


Complaint_ID: Yes
Date_received:
02/05/2016,Debt collection,Credit card,Disclosure verification of debt,Not given enough info to verify debt,Portfolio Recovery sued me for a debt I do not owe in XXXX County Texas per case number XXXX. They had no verification to support the lawsuit other than a computer printout with my name and an address I have not lived at in many years

Product:
 an incomplete account number and many pages of generic documents that did not apply to the case at all. Prior to court

Subproduct:
 I requested a verification of debt and they sent the same printout. They did not verify anything with the original creditor. They voluntarily dropped the suit on XXXX XXXX


Date_received: 01/21/2016
Product: Credit card
Issue: Billing statement
Company_public_response: 2016
Complaint_ID: Yes
Consumer_narrative:
Earlier today I had an extended conversation with someone at American Express who identified himself, I believe, as, " XXXX. '' We were discussing several issues with my latest bill. The closing date for this bill was XXXX XXXX

Company:
 or four days ago. There was a faint periodic beeping sound in the background which makes me assume that the conversation was recorded. Previously


Issue: for each and every bill. Yet XXXX indicated that
Subissue: at AMEX
Consumer_narrative: the closing date identified on bills is identical with the print date of any particular bill
Complaint_ID: Yes
Date_received:
I asked XXXX to have AMEX print and identify an actual statement date on the bills it sends to me for my account with it. He claimed that the closing date was ( and is always ) the statement date

Product:
 although nowhere on the bill does it state that the closing date is the actual date on which the bill is printed. At minimum

Subproduct:
 it is confusing not to have a statement date clearly and unequivocally identified as the actual date that the bill was printed. It is not necessarily the case that a billing closing date is identical with the date on which a credit card bill is printed


Date_received: Later on in the conversation
Product: we discussed a part of the bill that is unfair
Subproduct: deceptive and/or abusive. This seems true as much as
Issue: or more than
Subissue: AMEX 's intentional omission of the print date on the bill. Specifically
Consumer_narrative: on page XXXX of this bill
Company: although he did not indicate just when or how long after payment is received
State: the reward points are
ZIP_code: in fact
Submitted_via: granted. This is confusing in itself
Company_response: however
Consumer_disputed: prior to this billing period ( {$60.00} )
Complaint_ID: I should be left with {$35.00} in cash back rewards. Of this
Company_public_response:
 appeared a purported tally of cash back rewards. XXXX pointed out that rewards earned during the period covered by this bill are not actually granted until after payment is received

Date_sent_to_company:
 given the presentation of the {$45.00} displayed on page XXXX of this bill that was earned during this billing cycle. Yet more telling

Timely_response:
 is the fact that once the cash back that was used during the period of this bill ( {$25.00} ) is subtracted from the amount of cash back that unequivocally had been granted previously


Date_received: Today when I checked my "" Rewards Dollars '' on AMEX 's website
Product: both before and after I spoke to XXXX
Issue: that this bill was in fact printed on XXXX XXXX
Subissue: 2016
Consumer_narrative: only four days ago
Company_public_response: as of XXXX XXXX
Company: I should have had {$35.00} in the rewards account
ZIP_code: I should still
Submitted_via: as of today
Complaint_ID: I should be left with {$35.00} in cash back rewards. Of this
Subproduct:
 it displays only {$10.00} rather than {$35.00} for my reward dollars. If we take XXXX 's claims at face value

State:
 as represented on the statement. Given that I have not claimed a {$25.00} credit during the four days since then


Date_received: Regrettably
Product: the unfairness
Subproduct: deception and abuse did not end there
Issue: however. As I made this very point to XXXX
Subissue: that
Company_public_response: I should still have {$35.00} reward dollars left over
Complaint_ID: I should be left with {$35.00} in cash back rewards. Of this
Consumer_narrative:
 even if we took the last reward earnings of {$45.00} indicated on page XXXX of the last bill out of the discussion


Product: a debt collector shall
Subissue: within thirty days after receipt of the notice
Consumer_narrative: disputes the validity of the debt
Company_public_response: or any portion thereof
State: or any portion thereof
ZIP_code: is disputed
Date_sent_to_company: upon the consumer 's written request within the thirty-day period
Company_response: the debt collector will provide the consumer with the name and address of the original creditor
Complaint_ID: Yes
Date_received:
XXXX XXXX was also informed of my knowledge regarding this law specifically 809. Validation of debts [ 15 USC 1692g ] ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt

Subproduct:
 unless the following information is contained in the initial communication or the consumer has paid the debt

Issue:
 send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer

Company:
 the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt

Submitted_via:
 the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that


Product: or any portion thereof
Subproduct: is disputed
Issue: or that the consumer requests the name and address of the original creditor
Subissue: the debt collector shall cease collection of the debt
Consumer_narrative: or any disputed portion thereof
Company_public_response: until the debt collector obtains verification of the debt or any copy of a judgment
Company: or the name and address of the original creditor
State: and a copy of such verification or judgment
ZIP_code: or name and address of the original creditor
Complaint_ID: Yes
Date_received:
( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt


Date_received: 01/21/2016
Product: Debt collection
Subproduct: Non-federal student loan
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Company_public_response: confirm
ZIP_code: they used the XXXX on XXXX XXXX
Submitted_via: 2015
Company_response: 2015
Complaint_ID: Yes
Consumer_narrative:
XXXX hired Financial Asset Management Systems to collect on a private student loan debt. Under complaint number XXXX, Financial Asset Management Systems ( " FAMS '' ) alleges that they used "" XXXX Collection Advantage to identify

Company:
 and/or validate your location information due to the fact that we have been unable to identify your actual mailing address and you have mailed to provide same. '' I had requested in writing to FAMS in XXXX 2015

State:
 not to contact me anymore to which they agreed. There was no reason that FAMS needed location information since they had a cease and desist request from me. However

Date_sent_to_company:
 for which there was no reason for it since they were not to contact me after XXXX 2015. The only reason FAMS used the XXXX on XXXX XXXX

Timely_response:
 was to harass and annoy me in flagrant violation of the Fair Debt Collections Practices Act. They had already received a written cease and desist in XXXX 2015


Date_received: 02/10/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company: and I was told I had to wait 6 months to try again. I wanted to know why
Date_sent_to_company: and they said they would take care of it
Company_response: and supposedly they did. This week
Timely_response: I went in again to apply for a credit card
Complaint_ID: or get a credit card
Consumer_narrative:
When I turned XXXX last year I went in to XXXX XXXX and the banker helped me apply for a credit card. The credit card was denied because I was in " debt ''. I had just turned XXXX

Company_public_response:
 and I applied for a credit card to help me build my credit. I was upset that They denied my application

State:
 so I looked in to getting a credit report. Just turning XXXX years old should have meant I have absolutely nothing negative on my credit report. When I was sent my credit report from all three credit "" reporters '' their was an error on my account

ZIP_code:
 saying that I owed thousands of dollars in medical bills from XXXX of 2009. In XXXX 2009 I was XXXX years old

Submitted_via:
 and legally I was not responsible for paying for that. I called and explained this to the person at experian

Consumer_disputed:
 and I was denied again. I can not believe that this is happening to me. I can not get a finance a car


Product: though as we all know
Subproduct: money buys justice
Complaint_ID: Yes
Date_received:
XXXX And XXXX From the XXXX : This company is trying to collect on a debt that was settled by legal arbitration in XX/XX/XXXX. The statute of limitations on the original debt expired in XX/XX/XXXX, yet they continue to report an outstanding balance to the credit reporting services. This is harassment, pure and simple, and companies like DRS are little more than predators who make a living by intimidation and blackmail, even though they have no legal recourse or standing to enforce the " debt '' they seek to collect. This should be illegal


Date_received: By XXXX On XX/XX/XXXXXX/XX/XXXX Just want to let all of you know how Dynamic Recovery Solutions
Subproduct: but they are. I call them and they are such a scam
Subissue: their excuse was how many person had my same name
Complaint_ID: Yes
Product:
 LLC sent me a letter home trying to collect apparently a debt from XXXX. I do n't know where they are getting personal mailing addresses

Issue:
 they tried to go around just to get personal information. I interrogated the operator and the supervisor and we 're not specific as to where they where they were able to obtain my mailing address


Date_received: 01/27/2016
Product: Credit card
Issue: Rewards
Complaint_ID: Yes
Consumer_narrative:
American Express offered me a bonus of XXXX XXXX " miles '' for opening a new card and spending {$3000.00} on the card withing 90 days. I completed the targeted application


Complaint_ID: Yes
Date_received:
When I did not receive the reward we questioned American Express and was told that I had a similar card years ago and they would not honor the offer. I want to know why Amex would # 1 ) offer me this card


Complaint_ID: Yes
Date_received:
American Express is making and approving offers that they do not honor and hiding behind small print ... .extremely misleading and deceitful marketing practices from a company I hold in high regard


Subproduct: the balance and payment information for the months XX/XX/XXXX
Issue: XX/XX/XXXX
Subissue: XX/XX/XXXX
Consumer_narrative: XX/XX/XXXX
Company_public_response: XX/XX/XXXX
Company: XX/XX/XXXX and XX/XX/XXXX. Still
State: today
ZIP_code: XXXX XXXX
Submitted_via: XXXX
Complaint_ID: Yes
Date_received:
01/27/2016,Credit card,,Other,,The double standard of Credit Card companies punitive actions against it 's credit customers and the subsequent unaccountability to it 's own consumer when the time comes for accountability. Macy 's is directly responsible for holding my credit score DOWN

Product:
 while I was intentionally making substantial payments in order to change my credit usage ratio. Macy 's directly caused my credit score stay stuck in one place due to neglecting to REPORT TO ALL XXXX BUREUS


Complaint_ID: Yes
Date_received:
These past 7 months I have been actively working to repair my credit and have successfully seen my score rise from a XXXX to a XXXX. Then it dropped down arbitrarily


Date_received: I committed to paying what was necessary to get out of a debt spiral and to begin a wealth cycle
Issue: I now have to do the footwork for a major credit company! It takes hours of my valuable time
Complaint_ID: Yes
Product:
 investing thousands of dollars to both pay down my credit balance ratio as well as pay for credit repair services

Subproduct:
 as well as the number of months and time spent on the phone and subscriptions to all XXXX Bureaus. I am wholeheartedly focused on this task to its success ... Yet I have been stopped in my tracks and my score is at the mercy of an unaccountable system that bears down its heavy burden onto my back. On top of my own diligent work


Product: had achieved a XXXX point increase on my credit score
Issue: that my score reflected XXXX
Subissue: meanwhile
Consumer_narrative: Macy 's showed a severley inaccurate credit usage ratio around XXXX %
Complaint_ID: Yes
Date_received:
This was all in an effort to be prepared to a purchase through financing an automobile to be delivered XXXX XXXX. I had worked to achieve my down payment

Subproduct:
 but still needed the solid XXXX to begin to be eligible to apply for financing. I was turned down at the application process with no exceptions


Complaint_ID: Yes
Date_received:
Macy 's neglected to report to the XXXX credit bureaus even with XXXX separate phone conversations to update my reports manually


Date_received: Staring down these inaccuracies
Product: delays
Subproduct: outright unaccountability by creditors
Issue: what
Consumer_narrative: meanwhile creditors are collecting interest
Company_public_response: fees
Complaint_ID: Yes
Subissue:
 how and when they report is DANGEROUS and DAMAGING. The mere fact that consumers are at the mercy of being perfectly accurate and who 's scores are a representation of their behaviors

Company:
 late charges in addition tho the money they are paid back as agreed. Then this information sits on the report


Product: while you 've got the consumer masses sitting in the stands
Complaint_ID: Yes
Date_received:
Laws need to be protecting the credit consumer and the scoring process needs to be consistent and precise and to all XXXX Bureaus. My consumer behavior is controlled by me and I should not share in the responsibility the bad behaviors of the Creditors. This is really a game between the Credit Score Keepers and the lenders


Date_received: 02/05/2016,Bank account or service,Checking account,Account opening
Product: closing
Subproduct: or management"
Complaint_ID: Yes
Subissue:
This complaint is to be attached to earlier complaints about Wells Fargo Bank opening an account in my name and {$25000.00} stolen from the state of California through XXXX. Complaint # XXXX and # XXXX. I 'm again asking Wells Fargo bank 's Fraud Division to investigate itself and rein in your employee 's. On XXXX XXXX of 2015, my daughter received a fictitious call from a person posing as an FBI agent investigating My Name and Identity Theft. The person wanted to know my address in XXXX XXXX. She has a Wells Fargo bank account. To use your position to gather information from the private record of another person has to be against the law. I immediately contacted the FBI. There response was " We would never make such a phone call to investigate someone. Notify the FTC. '' I did. The call was from XXXX XXXX. Check your phone directory for that number. I have asked the OAG to follow-up in this matter. I have followed up to the State of California Fraud Division hot line. My family 's safety is of most importance. The XXXX XXXX attorney 's office has informed me that they will testify in court in my behalf that it was your bank that laundered the {$25000.00}. The detective will testify


Subproduct: not only have I not received one this year
Complaint_ID: Yes
Date_received:
01/22/2016,Bank account or service,Checking account,Problems caused by my funds being low,,US Bank is charging overdraft fees to make money. I have on several occasions looked at my account saw it was over and immediately put money in the account. Not a check

Product:
 but cash. The next day I am hit with an overdraft. I have made many deposits on my account in cash and all have a positive balance to again get overdraft fees. I have requested text messages when my account is below XXXX


Date_received: This company is charging me for
Product: both
Subissue: by law
Company_public_response: placed on hold for extended and unreasonable periods of time
Company: yelled at
State: treated as though I was subhuman
ZIP_code: and completely neglected. Being unable to resolve this matter
Submitted_via: despite the many calls I have placed to this company
Company_response: my credit score has this blemish
Complaint_ID: Yes
Subproduct:
 a reletting fee and acceleration of rent ; which is illegal by law. Housing laws prevent collecting payment of rent twice in the same month ; charging me an acceleration of rent AND reletting fees does just that. I am being billed {$850.00} for reletting fees to cover the loss the property incurs while the unit is unoccupied however

Issue:
 I have also been billed {$8600.00} for accelerated rent for the time period XXXX XXXX ( the day I was evicted through XXXX XXXX ( what would have been the last day of my contract ) .I have expressed to the agency that I know

Consumer_narrative:
 the property has to mitigate damages and can not charge me for the rent of an unit someone else was occupying and paying rent for. I have asked for them to tell me when the next occupant moved into the unit and have yet to receive the information. I have only been met with insults

Date_sent_to_company:
 has negatively impacted my life and finances. I have had to pay more for deposits at other complexes

Timely_response:
 I have been turned away from a local program that would aid me in obtaining a grant for the purchase of a home


Date_received: 02/21/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Application, originator, mortgage broker
Company_public_response: they would n't do anything extra to help. I feel they waste all of this time
Complaint_ID: Yes
Consumer_narrative:
VA Loan for Veteran. Mortgage loan application was submitted for credit approval only on XXXX XXXX. We asked the branch manager to submit the file to underwriting as we knew we were going to have a 30 day closing. We provided all income/assets/credit documentation. Including my XXXX form, my parole in place, Social security card. We found a house XXXX XXXX, I asked the Loan officer to please submit my application and provide the disclosures needed to start the process, the day I found out they never submitted the loan for underwriting approval, I requested for my information to be submitted as soon as possible. on XXXX XXXX I was told the only items needed for final approval/clear to close was the appraisal report and the termite report, they both came in the same day. on XXXX XXXX the processor called saying they needed a copy of my XXXX, I told her that my legal status did n't required a visa. provided the documentation my attorney gave me and asked for them to call XXXX, I was told VA had this requirement. I called VA in AZ who handles CA VA Loan approval. I was told that was n't true,, the underwriting representative told me that VA only requires for the spouses income to be stable, that VA loan was mean to help the veteran. I spoke with the branch manager and loan processing manager, I was told by them that it was a Navy Fed Credit Union. They had my file for over 40 days, my rate was locked and now I 'm they denied my loan since I cant provide this " XXXX '' that I do n't have. XXXX asked me to ask them to call them to verify the information

Company:
 lowered my fico score from running it so many times and now I have to look for a new lender pay a higher interest rate and fees. Should n't they have checked this before? my loan application clearly disclosed this information


Complaint_ID: Yes
Date_received:
Can you provide give us some advice? This seems very unfair for a applicant and up to a certain point discriminatory as I 'm allow to work in the USA

Product:
 I have since I was XXXX I 'm now XXXX the close of escrow is XXXX - this house was the perfect house for my husband who is XXXX


Complaint_ID: Yes
Date_received:
02/22/2016,Debt collection,Credit card,Cont'd attempts collect debt not owed,Debt was paid,The disputed account has been given ample time to validate their position of maintaining a collection account on my personal credit profiles. It is now time that I request a division of the Federal Trade Commission known as the Consumer Financial Protection Bureau to demand accountability. I have never paid on any account to this organization. This company obtained my personal information from a debt pooling service. There was never a legal assignment or transfer of ownership. FTC XXXX XXXX XXXX XXXX ( 2009 ) stipulates XXXX criteria f a legal collection process : 1 ) The debt must be within the resident jurisdiction of legal collectability 2 ) the ownership transfer must be in hard copy documentation

Product:
 backed up upon request and 3 ) the individual must be given ample notice or 30-days that the legal collection could be posted on a person 's credit report is not rectified within said 30-day notification. In this matter

Subproduct:
 the collection company failed on all three criteria. The CFPB needs to monitor and sanction XXXX XXXX XXXX


Date_received: 02/22/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company_public_response: while it might have been end the end
Complaint_ID: Yes
Consumer_narrative:
JP Morgan Chase continues to defend themselves by saying that they were in the right and that the foreclosure on our home was valid and basically " by the book '' ; However

Company:
 it was NOT because it should the never gotten to the point of foreclosure in the first place. They continuously accuse me of lying by saying that I did not get the requested documents in to them in a timely Manner when I very much did so ( as did the law firm that was helping me at the time ) AND they also basically accuse me of lying when I report that a representative at JP Morgan Chase told me that she could not take a temporary payment that I was set up to make and after I have made consistent temporary payments for several months. She said that she could not accept it because the loan was under a modification review. Well


Complaint_ID: Yes
Date_received:
Every time I report JP Morgan Chase all they do is send the same response only changing the dates on the letter. No one even takes the time or cares to truly investigate my reports


Subproduct: we withdrew the money from our credit union and mailed it to Synchrony ( so it was a bank check
Issue: not a personal check ). Since that time
Complaint_ID: No
Date_received:
This all started when I started the application on XXXX XXXX, 2016. At the end of the process, Synchrony 's system responded " Thank you for your interest in opening a Synchrony Bank account. We 're working on your application. If we need additional information

Product:
 we 'll contact you within 3 business days. If you have any questions please call us at XXXX. Account opening ID : XXXX. '' Having heard no concerns after 3 days

Subissue:
 they have n't opened the account and wo n't give us a straight answer as to why or what they need to resolve the problem. I 've tried to escalate to a member of management

Consumer_narrative:
 but they do everything possible to not escalate. They are very resistant and will only give in after the customer gets angry. When I finally got the call escalated to XXXX


Complaint_ID: No
Date_received:
They are also abusing the process by keeping our check and not returning it so that we can go to a different Bank that really wants our business. We 've lost nearly a month 's interest


Date_received: Last week
Complaint_ID: No
Product:
 I left XXXX yet another voice mail sharing my expectation that the funds were back in my hands by the end of the week. I received neither a response nor the check. When I called today

Subproduct:
 they insisted that I explain the whole thing over again. I had to again get angry to get the call escalated


Complaint_ID: Yes
Date_received:
In XXXX, Citi bought the HELOC from XXXX, as well as our first mortgage from XXXX XXXX. In XXXX, we refinanced the first mortgage, with the understanding, from the Citi employee working with us ( XXXX XXXX, XXXXXXXXXXXX ) that the HELOC would be " replaced '' during the refinance. We were told that the terms of the "" replaced '' HELOC would be 10 years as a credit line


Product: and under XXXX terms
Complaint_ID: Yes
Date_received:
Someone at Citi failed to adjust ( "" replace '' ) the HELOC under Citibank terms in both XXXX and XXXX. We would appreciate it if someone would investigate how it is possible ( allowable ) that our HELOC remained unchanged


Date_received: In XXXX XXXX
Subproduct: but
Issue: coincidentally
Complaint_ID: Yes
Product:
 we were told that we are in default on an unexpected balloon payment of {$68000.00}. This would be challenging to pay off under any circumstances


Complaint_ID: Yes
Date_received:
This interaction has become a comedy of errors and aggravation. We have dealt with at least a dozen Citi employees


Date_received: Since XXXX XXXX
Issue: pay off the balloon payment
Subissue: and move on. However
Complaint_ID: Yes
Product:
 we have been attempting to work with the Recovery Department. We tried dealing with the "" Executive Response '' team for a while

Subproduct:
 but were told that there was "" nothing they could do '' and that they were the "" top level of escalation ''. ( We sincerely hope that this is not the case! ) We could withdraw {$68000.00} from a retirement account ( with some tax penalties )

Consumer_narrative:
 given that one or more Citibank employees is responsible for this problem occurring in the first place


Complaint_ID: Yes
Date_received:
02/10/2016,Debt collection,I do not know,Cont'd attempts collect debt not owed,Debt is not mine,southwest credit systems called my number ( XXXX ) which is on the US National DNC list to collect a debt which is for someone I have never heard of. The caller refused to supply a phone number which I could call to have my number removed from their calling lists or added to their company do not call list. He would only state the name of the company and that it was headquartered in XXXX


Complaint_ID: Yes
Date_received:
01/27/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,XXXX XXXX This item does not belong to me


Date_received: 02/02/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
Complaint_ID: Yes
Consumer_narrative:
I am a Bank of America costumer and I have had my debit card replaced 3 times in the past 9 months because of a " data breech '' at an "" undisclosed merchant. '' Bank of America will not disclose WHO the merchant ( s ) are or the situations leading to the breech. Going thru and updating XXXX auto-pay accts every 3 months is a hassle and as I am the customer


Complaint_ID: Yes
Date_received:
02/10/2016,Bank account or service,Checking account,Problems caused by my funds being low,,Us bank keep charging me hidden fees


Date_received: 02/02/2016,Consumer Loan,Installment loan,Managing the loan or lease,,Back in XXXX XXXX
Product: XXXX I got approved for a loan from Preferred Credit
Subproduct: Inc.
Issue: for {$3000.00}. After XXXX phone calls from them during the last 6 weeks
Subissue: to verify my address again
Consumer_narrative: to make sure I am me
Company_public_response: finally I have received in the mail the first statement
Company: today
State: XXXX XXXX
ZIP_code: XXXX. To my astonishment I was already charged with {$43.00} interest. I called the loan company
Date_sent_to_company: 6 weeks later )
Company_response: they had no reply. I mean
Timely_response: is their interest to delay the setting up of the accounts and so on
Consumer_disputed: as long as possible
Complaint_ID: because
Submitted_via:
 and was told that the interest starts accruing from the day I signed the contract. To my question of why they dragged their feet and took their time to issue this first statement so late ( again


Date_received: 02/02/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/XXXX I tried to deposit a check through the HSBC mobile app on my cellphone. I received a message that it was unable to process my request. I went directly to my local branch and I deposited the actual check. On XXXX/XXXX/XXXX I received a debit from my checking account basically noting an error occurred for a duplicate check deposit. ( Apparently the mobile check was processed ). On XXXX/XXXX/XXXX HSBC corrected the error and debited my account to correct the error. Now, here occurs the problem, on XXXX/XXXX/XXXX I received another message/debit stating the same error message I received back on XXXX/XXXX/XXXX referencing the duplicate check from XXXX/XXXX/XXXX was deposited twice and HSBC was debiting my account to correct the error. This error had already been corrected so I stopped in to the XXXX NY HSBC branch. A representative by the name of XXXX pulled up my account and said she did not see the error. She explained I must have shaken the phone to have made the duplicate deposit. I tried to explain the backstory, she did not listen and tried to say it was a User error. I tried to show her the transaction on my phone and point out the discrepancy but she simply said her computer did not reflect any errors. She said when she went to her " home '' branch on Monday she would look into further. XXXX/XXXX/XXXX Monday I received a call from XXXX saying she saw no discrepancies on her end. I asked to speak to her supervisor and she said she was the supervisor. I told her this is unacceptable becaus it clearly shows XXXX debits from my account. I went on to try and explain that only XXXX debit was needed to fix the error. We went back and fourth and finally I told her I would escalate this through corporate. I was not getting any assistance from her. I called HSBC XXXX and was told by the represenative on the phone she could see the error and she would process the request to have it resolved. However


Date_received: 01/27/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Complaint_ID: Yes
Consumer_narrative:
Results Unlimited Inc, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Virginia XXXX, used a Writ of Fieri Facias to obtain my bank accounts. They improperly did so, the lawyer 's they hired to go to court for them used the wrong address on the Writ, I was never served and the Writ says " Not Found ''. "" Not Found '' was supposed to stop them from going any further at that point. They have since sent me a copy of this via mail at the correct address


Product: and he assured me they would handle it at XXXX. When I called THAT number
Subproduct: it was corporate credit cards
Complaint_ID: Yes
Date_received:
Yesterday I did an online chat with a BofA representative ( there was no option to SM them ) to inquire, and he said he could not help me but I needed to call their main checking account number ( XXXX ) to inquire. The person there said they could not see the promo code on my account but gave me a new internal number for marking online redemption issues ( XXXX ). I then called that number, and the person refused to deal with me since it was supposedly an " internal '' number. I then asked what number I needed to call to talk with someone and submit my records ( being very clear it was a checking account issue )


Subproduct: besides resolving my issue
Complaint_ID: Yes
Date_received:
It 's obvious that BofA has XXXX interest in trying to assist customers with collecting the bonus they are due based on the almost 2 hours I put in and XXXX different departments giving me the run-around! Therefore

Product:
 I 've resorted to filing this federal complaint due to the sinister organizational structure BofA has erected to try to get its customers to give up on collecting any checking account bonus due. I hope CFPB


Product: Inc."
Subproduct: FL
Issue: 32808
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 02/16/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
02/16/2016,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,Professional Adjustment Corp. of S.W. FL.


Date_received: 01/27/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't get flexible payment options
Complaint_ID: Yes
Consumer_narrative:
I am a graduate of XXXX also know as XXXX XXXX XXXX, when meeting with school advisors they told me I would be in a top level chef position after graduation. I was told over and over that this was true. as I was second guessing my choice to attend I received multiple calls everyday ( sales call ) harassing me to attend the school. eventually I applied for student loans and was " accepted '' into the program. After completing my education I was unable to find XXXX of those "" high paying XXXX '' that I was promised. I was stuck with over {$35000.00} of student loans and only making $ XXXX barley enough for me to pay my bills living on my own let a alone pay a high monthly payment on my student loans. I opted for forbearance. my loans collected interest and put me even further in debt. over time it seemed that I would make payments and my loans would just grow. finally after 10 years of being on and off forbearance and a lot of experience I finally have a decent paying job


Product: Inc"
Subproduct: CA
Issue: 92551
Consumer_narrative: N/A
Company_public_response: Referral
Company: 02/09/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
02/05/2016,Mortgage,Other mortgage,Other,,,Company believes it acted appropriately as authorized by contract or law,Select Portfolio Servicing


Date_received: 02/02/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Complaint_ID: Yes
Consumer_narrative:
The new mortgage servicer, Speclialized Loan Servicing did not provide me with the required welcome letter. The law requires that borrower receive XXXX notices, XXXX from your original mortgage servicer, the other from the new servicer. Unless you received a written transfer notice at settlement, your current servicer must send you a " Dear Borrower '' letter at least 15 days before the effective date of the transfer

Company_public_response:
 which would be when the first payment is due at the new servicer 's address. The second notice -- a so-called "" welcome letter '' -- should come from the new servicer


Date_received: Moreover
Subproduct: XXXX XXXX XXXX XXXX
Complaint_ID: Yes
Product:
 Speclialized Loan Servicing is engaging in the prohibited practice of dual tracking while I 'm under review for a loan modification. I was under review with the prior servicer


Product: theft
Subproduct: robbery
Issue: bribery
Subissue: influencing witnesses
Consumer_narrative: intimidation of a juror or perjury
Company_public_response: tampering with evidence
Company: various securities violations
State: certain crimes involving titles
ZIP_code: destroying or misrepresenting identification numbers
Submitted_via: insurance fraud
Company_response: the mortgage loan
Date_received:
Predicate crimes that fall under this Act ( and may be used to show a " pattern '' of unlawful conduct ) include the following : forgery

Date_sent_to_company:
 and residential mortgage fraud. Though this Act covers so much more the things listed above are of our particular concerns Missing assignments or multiple assignments of the same instrument filed in the public records are a direct result of multi-pledging and the use of the same collateral

Timely_response:
 to pool into securities or pledge for other financing and should be viewed as an overt act of fraud when encountered. There is discovery by our research of pre-dated

Consumer_disputed:
 backdated and fraudulent assignments of mortgages or endorsements either completely filled in or left blank to be filled in before or after the fact to support the future allegations of a foreclosing party. These fraudulent assignments are typically discovered by examiners in the servicers files or MERS files when MERS acts on the servicers behalf. These documents are created for the sole purpose of assisting in concealing known frauds and abuses by originators

Complaint_ID:
 prior servicers and are designed specifically to conceal the true chain of ownership of a borrower 's loan.No escrow instructions or settlement statements should trigger the examiner to immediately attempt to locate the assignment of the mortgage. Multiple or missing assignments coupled with an inability to produce escrow and settlement statements demonstrate a deliberate concealment of the ownership of the borrower 's mortgage debt obligation and the actual lender to whom the borrower is indebted. 


Subproduct: XXXX XXXX XXXX
Date_received:
In XXXX XXXX XXXX place a conservator-ship into Fannie Mae therefore the report about XXXX Oversight of XXXX Default-Related Legal Services FEDERAL HOUSING FINANCE AGENCY OFFICE OF INSPECTOR GENERAL Audit is very important to my concerns about my loan. OUT OF THE MOUTH OF XXXX XXXX : SCHEDULE OF LOANS PURCHASED FROM XXXX DOES NOT EXIST ; NO ASSIGNMENTS OF MORTGAGE

Product:
 NO ALLONGES OR ANY EVIDENCE OF TRANSFERRING OWNERSHIP OF LOANS FROM XXXX TO XXXX and yet these banks recorded in court records on XXXX XXXX XXXX fraudulent assignments etc. Recorded as Grantor XXXX

Complaint_ID:
 prior servicers and are designed specifically to conceal the true chain of ownership of a borrower 's loan.No escrow instructions or settlement statements should trigger the examiner to immediately attempt to locate the assignment of the mortgage. Multiple or missing assignments coupled with an inability to produce escrow and settlement statements demonstrate a deliberate concealment of the ownership of the borrower 's mortgage debt obligation and the actual lender to whom the borrower is indebted. 


Date_received: 02/02/2016
Product: Bank account or service
Subproduct: (CD) Certificate of deposit
Issue: Account opening, closing, or management
Company_public_response: the branch manager said there was nothing he could do
Complaint_ID: Yes
Consumer_narrative:
I opened a XXXX IRA with Wilmington Trust ( now M & T Bank ) in XXXX. Five years later, they failed to notify me of the 5-year CD 10-day window, even though I had informed the bank of my new address. I resolved not to miss the next 10-day window to transfer my funds to another bank in XXXX XXXX. In preparation, I made multiple calls to M & T bank to ask questions and notify them of my intent. No one from M & T could facilitate my request to transfer funds, so I got the receiving bank to handle the transfer. When I confirmed the transfer, I discovered that M & T charged {$75.00} for the transfer -- even though it was during the 10-day " do with it what you like '' window and no one had informed me of this during my preparation period! When I called to ask them to reverse the fee


Date_received: 02/25/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Threatened to take legal action
Company: two years later
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX , XXXX. sent a " XXXX XXXX XXXX '' notice on XXXX/XXXX/XXXX for a settlement agreement which I replied to on XXXX/XXXX/XXXX. I called and gave my XXXX XXXX XXXX XXXX information for the full settlement payment of XXXX from the $ XXXXon acct no. XXXX. On XXXX/XXXX/XXXX

Company_public_response:
 I received a notice from Alpha Recovery Corp for the same account attempting to collect the full amount. I called XXXX and the representative stated that the account was settled but then referred me to their account support but gave me a different account of XXXX to refer to. The rep from the account support stated that the debt was not resolved because of a bad check which was inaccurate because the fund were available per my bank statements. Now


Date_received: 02/02/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Company_public_response: since I may have to pay in several transactions
Complaint_ID: Yes
Consumer_narrative:
My school is XXXX Unviersity, XXXX XXXX XXXX XXXX, XXXX, NY XXXX They contract their payments to Campus Partners, who just this month began charging XXXX per transaction, per loan to pay from my checking account. It is much more to pay by credit card. The only way to not pay those " convenience fees '' is to pay by check or automatic withdrawal. I ca n't do automatic withdrawal because I do n't always have that money available to pay and I need to have the ability to initiate the transaction. I ca n't pay by check because that is not how I handle my finances in 2016. I find it absurd that paying electronically for student loans is the "" convenient '' and not absolutely standard option. I 'm incensed to have to pay and pay and pay


Complaint_ID: Yes
Date_received:
On XXXX XXXX I called and told them I was desperate. I spoke with " XXXX '' who agreed that he would apply for a new card to be prepared on an expedited basis. XXXX promised that he would have someone call me the next morning ( he was off in the morning ) to confirm the expedited card. No call came that morning. At XXXX in the afternoon of XXXX XXXX XXXX called me and explained that folks had been busy and he had been in for about an hour not able to call. He then advised that BOA had agreed to expedite the card and I should receive it in 3-5 business days. So

Product:
 I waited and checked the mail every day. No card arrived on the XXXX business day ( XXXX XXXX ). After much rigmarole he advised that the card had been produced on an expedited basis but things fell through the cracks and it sat at the production site and was not actually mailed until XXXX XXXX. Further he advised that the expedited part was how fast the card was produced but it was still sent regular mail. So


Product: the first thing they told me was
Subproduct: since I was up to date on all my payments I would not qualify for loan modification program
Complaint_ID: Yes
Date_received:
Then Suntrust claim it is NOT their practice to encourage delinquency on their mortgage to qualify you for a loan modification - that in its self is such a lie


Date_received: In their letter they never apologized
Subproduct: XXXX & XXXX update my credit report accordingly. Unreal how Suntrust
Issue: after submitting wrongful and misleading information to someones credit report
Subissue: say it was an error! yet even after sending me that letter
Complaint_ID: Yes
Product:
 but told me it was determined that an "" inadvertent clerical error was made '' and requested that XXXX


Product: as seen in the beginning of my complaint
Subproduct: they stated I was in "" foreclosure initiated '' which was never true
Complaint_ID: Yes
Date_received:
All I have asked Suntrust is to remove their the damaging and false information. Now you be the judge here

Issue:
 you clearly see suntrust reply saying they "" never practice in telling customers to become delinquent on their loans '' for the purpose of initiating a "" loan modification ''


Complaint_ID: Yes
Date_received:
First of all when you start a loan modification I was told the process would be on hold till the modification process became active and "" no negative report would be sent to CB '' Lies after lies


Product: LLC"
Subproduct: TX
Issue: 767XX
Consumer_narrative: Other
Company_public_response: Web
Company: 01/29/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
01/27/2016,Consumer Loan,Title loan,Charged fees or interest I didn't expect,,,Company believes it acted appropriately as authorized by contract or law,Select Management Resources


Date_received: 02/25/2016
Product: Debt collection
Subproduct: Credit card
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Company: XXXX XXXX XXXX had been hired on a contingency basis
ZIP_code: and when I tried to make sure they had the correct address
Complaint_ID: Yes
Consumer_narrative:
Several family members from received phone calls in the past week from XXXX, regarding " active litigation '' against me. They have never attempted to contact me

Company_public_response:
 that I 'm aware of. I called the above number today and gave them my "" case number '' which they provided to my family members. Spoke to a paralegal named XXXX XXXX who said her firm

State:
 I explained that the old debt that she had mentioned had passed the SOL in Florida. She said that I could sign the papers and let the judge decide. She said that they would serve me at my employer today


Date_received: 02/02/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company_public_response: XXXX XXXX
Company: XXXX
Complaint_ID: Yes
Consumer_narrative:
Back on XXXX/XXXX/2015 we disputed a credit report entry from Credit Systems international. After the dispute with case numbers XXXX and XXXX, Credit Systems international agreed to delete the entry because " XXXX XXXX XXXX XXXX


Subproduct: 2015 which they received on XXXX XXXX
Complaint_ID: Yes
Date_received:
A request to delete the report from the Credit Reporting Agencies ( CRA ) has been requested and no further reports will be requested for a minimum of 60 days to allow XXXX XXXX sufficient time to review the itemized statement and/or notify us of any errors '' We then sent them a debt validation letter with specific information they need to send to me to validate the debt

Product:
 not just say they have validated the debt. We uploaded into the CFPB system with the above claim # as well as mailed it certified mail # XXXX on XXXX XXXX


Date_received: 02/05/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
Hello. I live in an " XXXX '' rated XXXX area as designated by XXXX. Therefore I require Flood Insurance. My house has a replacement value of {$160000.00} and I owe less than {$130000.00} on the house. My mortgage with NationalStar Mortgage was satisfied with my policy of {$180000.00} as this was more than both the amount I owed the bank and also was more than my replacement value. Then more than two years into the loan I received a letter saying I was not in compliance. I called NS and shared the requirements as stated on their letter to prove that I was in compliance. The issue went away for about seven months. Then I received a letter in which they changed the requirements whereby I had to meet one of two criteria 1 ) match the amount of my homeowners policy or 2 ) carry {$250000.00} ( the max under XXXX rules ). I disagreed by way of numerous calls. NationStar then took out an expensive supplemental policy for me to bridge what they say is a gap. This has created a real hardship as it has pushed our monthly to a place where we are exhausting our savings. I want to know if this is legal or simply unethical. True that I can refinance with someone else


Date_received: 02/11/2016,Credit card,,Billing disputes,,I disputed a charge with barclaycard
Product: in writing
Subproduct: over 2 months ago. I have proof of this as I used an online registered mail service
Complaint_ID: Yes
Issue:
 so I can prove I sent the letter and prove the content of said letter. I closed my account a few days ago


Date_received: 02/11/2016,Credit card,,Transaction issue,,I paid to get a XXXX put in my truck on XXXX XXXX
Product: 2015 by XXXX XXXX in XXXX
Issue: XXXX
Consumer_narrative: in XXXX. Then we took our vehicle to the dealer
Company_public_response: XXXX
Complaint_ID: Yes
Subproduct:
 Mo. Immediately after I called XXXX to let him know the XXXX did n't work. I brought it back and he said it was n't his problem it was the truck. We just bought the truck so I called the dealer

Subissue:
 they looked at it and said that it was a faulty XXXX that XXXX installed. My husband called XXXX at XXXX and he said he did n't want to talk to us again nor see the truck again. We filed a dispute with Discover credit card company

Company:
 to have them replace the XXXX so we would have a XXXX that worked. We sent the receipt to Discover along with a letter from the service manager stating the XXXX was the problem. XXXX at XXXX XXXX claimed he did everything right and that he tried contacting us on numerous occasions


Product: she said she had a completed transaction showing in her account app. It was late XXXX 2015
Issue: I called PNC
Subissue: and was told to check my "" XXXX XXXX settings ''. When I checked
Consumer_narrative: I had not selected a bank account to "" RECEIVE '' funds. I did this
Company: it went back to my daughter 's account. However
State: she and I both checked with the bank
ZIP_code: and she was never given the {$35.00} back. PNC has been elusive
Submitted_via: they tell me SHE must file the claim
Company_response: the phone operators tell me I must go to a BRANCH .... ) During the conference call in mid XXXX
Date_received:
02/05/2016,Money transfers,Domestic (US) money transfer,Other transaction issues,,My daughter set me up as a payee in PNC 's "" pop money '' ( we are both PNC customers ) to send me {$35.00} she owed me. She received a set up email and payment request receipt email ( attached ). I received a text message saying she had "" popped '' the money to my account. The cell phone number is the ONLY information she had to send the money ; she does not know my bank account numbers. She uses the pop money service frequently. When I told her I never received the money

Subproduct:
 and pretty much forgotten until she tried to send me money in XXXX of this year. When I never got that payment

Company_public_response:
 and the money subsequently arrived. But now I asked them what happened to the money I never received in XXXX because it dawned on me I never DID receive it. They said if I did n't get it

Date_sent_to_company:
 then they tell her I must file the claim ; finally WE BOTH called on a conference call ( the branch tells me I must CALL to dispute or go to escalation

Timely_response:
 they said the money was sent to a XXXX XXXX account. Nobody in my family has ANY accounts with XXXX XXXX. I did check my other ( non-PNC ) account to make sure I did n't get the {$35.00}

Consumer_disputed:
 it shows nothing. PNC agreed to investigate ( this is after many phone calls and trips to the branches where notes were supposedly make in her account ). She received a letter this week ( attached ) saying they closed the investigation because she sent the money

Complaint_ID:
 and someone at XXXX XXXX received it and it was a concluded transaction. They told her to contact XXXX XXXX and gave her a trace #. Nobody we know has accounts at XXXX XXXX. XXXX XXXX


Complaint_ID: Yes
Date_received:
I find it very observed that I have been trying to get a loan modification with you guys for over years, and yet, till this date, we have not been able to resolve this issue. It has come to my attention that my loan modification was denied because you could not arrange an affordable payment to support a Loan Modification and excessive obligations to support a payment. We fought back and fourth with you and the court, and you received everything you needed in regards to the loan Modification process. Now I 'm not able to complete my modification and get out of trouble with foreclosure due to a misunderstanding of employees and also a misinformed process to resolve the loan modification. I have sent 'd all documentation on a timely matter and you keep requesting document after documents knowing that I have enough income to support not only a monthly payment, but to support the loan through the maturity. We have been in process for a Loan Modification for years, foreclosure should be on hold and now you have the dignity to assign a sales date and not want to help me eliminate this, and move forward with the sale when by " Law ''


Product: basically with the same action
Subissue: asking for help
Consumer_narrative: reaching out to you throughout all this time
Company_public_response: just because I want to keep my home
Complaint_ID: Yes
Date_received:
It is neither my intentions nor my fault that this debt has increased since I have been trying to resolve this issue for the last 6 years with no results

Subproduct:
 "" I do not qualify because I do not have enough income '' when in reality everything is already clear

Issue:
 and you have records of this. I just find this really obnoxious and idiotic when you have a home owner like my self


Subproduct: when some one asks for help
Issue: it takes those 6 years
Complaint_ID: Yes
Date_received:
In news reports I hear that Fay Servicing claims to be overwhelmed with applications for modifications. When times were good and banks were encouraging everyone to take out XXXX

Product:
 XXXX and even XXXX mortgages they did n't seem to have any problem keeping up with the high demand. Full documentation Mortgages could be initiated and closed inside of 2 weeks. Now


Complaint_ID: Yes
Date_received:
Please take in consideration that I really want to keep my property. I do not want to foreclosure or bankruptcy on my property


Date_received: 01/27/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Settlement process and costs
Company_public_response: so while signing loan docs
Submitted_via: they advised me that they would just fund at the wrong amount
Timely_response: again
Consumer_disputed: a signing was scheduled before I had any CD to review. Again
Consumer_narrative:
I was in the process of a refinance with Freedom Mortgage and did not receive my Closing Disclosure within the required waiting period. Rather, received a back dated CD the day before I was supposed to sign my loan docs. The impound account, monthly payment and credits applied to my " no cost loan '' were all incorrect. I did not have enough time to get this resolved before my signing

Company:
 I made the handwritten corrections and initialed my docs. Also at the time of signing I receive a disclosure dated XXXX/XXXX/16 which I had never seen before

State:
 but no corrections were made to this XXXX either. ( This document is attached to the complaint ) I was advised to sign a disclosure that I had 3 days to review my CD

ZIP_code:
 when I had n't. When I called to follow up and make sure the corrections were made to the file on their end

Date_sent_to_company:
 even though my docs contractually agreed to a different amount. After I finally spoke with someone who was able to make the corrections and void out the signing

Company_response:
 I did not receive any follow up disclosures to review before my other signing was scheduled. Rather

Complaint_ID:
 terms of the loan were wrong when I would call in to check status of my CD. Loan amount was wrong and they were applying an escrow credit from my current loan to closing costs


Date_received: Also
Product: whenever I tried to contact my LO ( XXXX XXXX
Subproduct:
 XXXX ID XXXX ) I was never able to get in touch with him. I would get an automated response when I emailed and transferred to different departments with different customer service reps

Issue:
 none of which could answer my questions. .I was completely out of the loop and would have like to have a contact to assist in this process

Complaint_ID:
 terms of the loan were wrong when I would call in to check status of my CD. Loan amount was wrong and they were applying an escrow credit from my current loan to closing costs


Complaint_ID: Yes
Date_received:
I called twice a day, at different times, for 6 days and waited on hold each time for 30 minutes and then hung up. I also continued to try to log into my account, also with no success. This was very disturbing. I finally posted a complaint on the BOA XXXX web page. Several days later I received a phone call ( voice message ) with a new phone number to call. After 15 minutes on hold a representative answered. When I explained why I called I was told that BOA already paid the transaction and that is was n't potential fraud, it was actually a " disputed charge ''. I was told that I was locked out of my online access and I was given the original phone number to call again. I asked if there is an address I can write to and was told no

Product:
 I can only lodge a complaint by phone. To prevent further charges to my account and because of my inability to reach BOA


Subproduct: but I am on vacation and will now hand write a dispute
Complaint_ID: Yes
Date_received:
This lack of service/concern is totally unacceptable from a major financial institution. When I received my bill in the mail I saw that the charge was {$99.00} plus international transaction fees for a supposedly free product from a company called "" incredible cigs '' and monthly additional charges. I could n't lodge a dispute with BOA

Product:
 so I paid the bill and will not do business with BOA again. I did find a mail address to write to on my just received bill


Complaint_ID: Yes
Date_received:
( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ... @ XXXX I call and explain the SAME thing and get the SAME response "" ok we will make a note of it in the system thank you '' ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc

Product:
 I called back at XXXX and told them I have already spoken to them this week and that I will not have a different answer than what I have already given. I also told them this is considered harassment. "" We will make note of it in the system '' ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call and voicemail from XXXX XXXX at Sunrise Credit Services Inc . I call back @ XXXX and speak with XXXX 

Subproduct:
 I express it is very frustrating to receive DAILY calls over the same thing when I already made a statement. His response was "" well you said you 'd pay next month and it 's next month '' MIND YOU ITS ONLY THE XXXX OF THE MONTH!. I told him the month has just started and I get paid biweekly and that these phone calls are harassment


Product: Inc."
Subproduct: MO
Issue: 63131
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 02/02/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
02/02/2016,Credit reporting,,Unable to get credit report/credit score,Problem getting report or credit score,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 02/25/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: they have a CA address. We can not access their online system
Company: saying our loan number does not exist. In the meantime
Complaint_ID: Yes
Consumer_narrative:
We were defrauded {$5000.00} from the middle of XXXX 2014 to XXXX 2014, by applying for a loan modification thru XXXX XXXX XXXX. That was cash money. We were finally able to speak to a real XXXX modification officer. They in turn, had XXXX XXXX XXXX to handle the modification. We paid them {$4100.00}, and were " approved '' for a loan modification thru Bayview Loan Servicing. We have paid them {$2900.00}. We have been trying to get Bayview to correct our address. We live in DE

State:
 we have received XXXX letters in the mail from XXXX XXXX stating our mortgage has been modified. We have received NOTHING from Bayview concerning our mortgage. Two weeks ago

ZIP_code:
 we received a letter from the Attorney Generals Office ( DE ) stating XXXX XXXX is not licensed to practice law in DE. We have just copied a stack of correspondence to be sent to DOJ. We do n't know if we have a mortgage


Complaint_ID: Yes
Date_received:
I want : My funds returned to my control ; CapitalOne management and potential customers to know of CapitalOne 's own incompetence ; Government overseers to be aware of and CapitalOne 's incompetence and abuse of my trust and the protections afforded to citizen customers


Date_received: Timeline of Events ( all dates/times Eastern US
Complaint_ID: Yes
Product:
 all individuals named below are CapitalOne employees ) : XXXX XXXX 2016 : I opened a savings account to capitalize on a "" new customer '' bonus ( {$500.00} ) advertised as being available 90 days after opening a savings account. I am informed CapitalOne "" prefers '' ( i.e.


Complaint_ID: Yes
Date_received:
XXXX XXXX : {$50000.00} in funds are transferred from source savings account via ACH transfer ; No trivial "" verification '' deposit ( s ) is posted to the source bank savings account


Complaint_ID: Yes
Date_received:
o/a XXXX XXXX : Call CapitalOne to inquire about missing verification deposit ( s ) and am informed this can take some time for CapitalOne to execute


Complaint_ID: Yes
Date_received:
XXXX XXXX : Learned from funding bank that the verification deposit ( s ) had been rejected because CapitalOne had designated they were for deposit to a checking account ; Source bank was unable to confirm amount ( s ) rejected ; XXXX # XXXX at CapitalOne then tells me my $ XXXX deposit is frozen - will not be released to me OR returned to source account until I confirm control of source account - that evening I fax a statement obtained from source bank proving withdrawal of the $ XXXX as instructed by XXXX


Product: Inc."
Subproduct: FL
Issue: 33042
Subissue: Older American
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 02/02/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
02/02/2016,Debt collection,Auto,Cont'd attempts collect debt not owed,Debt is not mine,,,Convergent Resources


Date_received: 01/27/2016
Product: Credit card
Issue: Delinquent account
Company_public_response: please do not listen to this message. ""
State: and I have directed them not to call my home again
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/2016, DCM Services, a debt collector, left a message for me ( the executor of an estate ) on my home voicemail, that was listened to by my daughter and her friends while I was not at home. The call came from XXXX XXXX XXXX ... " Hello this XXXX XXXX XXXX at DCM Services. This is a private message for ________. We are a debt collector attempting to collect a debt of the late__________. Please call me immediately at ... .. '' Although they stated that this is a private message and "" if you are not ________

Company:
 they are not authorized to call my home and direct the persons living there as to what they can and can not do in the privacy of our home. I have asked this company to put any requests for information in writing


Date_received: 02/22/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: HSBC
Company: XXXX XXXX XXXX
Complaint_ID: Yes
Consumer_narrative:
Our law office represents a client who has a mortgage with HSBC. We called simply to get the accurate address to send a " Notice of Error ''. We spoke to the HSBC representative at XXXX after dialing XXXX. She refused to give an address to our office so we have used the address for "" Error Resolution '' on their website


Date_received: 02/17/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan servicing, payments, escrow account
Company: XXXX
State: I received a letter dated XXXX XXXX
ZIP_code: XXXX
Date_sent_to_company: leading me to believe it is a phishing attempt. Also
Company_response: XXXX XXXX
Timely_response: XXXX
Complaint_ID: XXXX
Consumer_narrative:
I am writing a formal complaint against Homestead Funding Corporation and XXXX. I closed on my home through a VA XXXX on XXXX XXXX, XXXX, through Homestead Funding Corporation ( HFC ). HFC started using XXXX for servicing payments on my loan without notifying me in advance. I continued making payments on my mortgage. On XXXX XXXX, XXXX, I received a call randomly asking me where I want my payments for my mortgage. The caller claims her name is " XXXX '' and represents Homestead Funding Corporation. I voice that the call sounds like a phishing attempt as I have never received a call like this. XXXX threatens to return my payments without applying them to the loan. I voice my disagreement with her actions & voice my concerns that returning payments I have made on the loan without applying those payments to the mortgage sets a dangerous precedent. I asked to speak with XXXX 's supervisor

Company_public_response:
 and she refused that request as well. I called XXXX later to confirm that my payments were being applied to the mortgage. A XXXX XXXX employee confirmed this information later that day. On XXXX XXXX

Submitted_via:
 from XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating that my loan is being transferred from Homestead Funding Corporation. XXXX 's letter makes no mention of XXXX XXXX

Consumer_disputed:
 I made a call to XXXX XXXX to discuss why a XXXX XXXX employee threatened to return payments and refused to get a supervisor on the phone during our call. The supervisor I spoke with confirmed "" XXXX '' made the call on XXXX XXXX


Product: Inc."
Subproduct: GA
Issue: 30318
Consumer_narrative: N/A
Company_public_response: Referral
Company: 01/25/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: XXXX
Date_received:
01/22/2016,Credit reporting,,Credit monitoring or identity protection,Problem with fraud alerts,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Complaint_ID: Yes
Date_received:
My account was set up for XXXX transactions. All transactions over XXXX are charged {$1.00} per transaction. I made several requests to have my account changed to an account that would accommodate more transactions


Date_received: 02/06/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
I believe someone is using my personal mortgage acct/info to reverse my mortgage payments. Now Bank of America is claiming 2 months are owed on my acct and that is false! Here 's similar people/cases : " Well this XXXX is still add it.I 'm glad I found this website becasue I was going crazy! They tried to tell me that if anyone does n't pay by the XXXX that they will call to make arrangements to take your payment over the phone. Well


Date_received: I am requesting
Product: through the CFPB
Issue: as well as identify precisely who they represent
Subissue: and who holds the note with the security instrument for the property address XXXX XXXX XXXX XXXX
Complaint_ID: Yes
Subproduct:
 that Seterus provide me with written evidence that they are the sole and exclusive servicing agent for the investors that rightfully and lawfully own the note and security instrument


Product: and I am forwarding this information to my Senator XXXX XXXX
Complaint_ID: Yes
Date_received:
I have not seen any verbal or written notification that has indicated such a change taking place from any other part previously

Subproduct:
 as well as to the media personnel that I worked with when fighting previous efforts that were made in violation of laws and regulations


Date_received: I am seeking written proof of ownership of the original note and security instrument
Subproduct: in face
Issue: a mortgage backed security
Subissue: and not just notes
Complaint_ID: Yes
Product:
 along with proof of all owners from each subsequent transaction made when the note was packaged and sold and resold to investors who made investment decisions based on the packaged mortgage backed securities being represented to them that there was


Date_received: I believe that this is an attempt being made by XXXX
Product: the US Treasury
Subproduct: and XXXX XXXX XXXX
Complaint_ID: Yes
Issue:
 to work together to be willfully blind to the law and to use the legal settlement arrangements between the US Department of Justice and XXXX XXXX XXXX as cover to go after struggling homeowners

Subissue:
 in direct conflict with the settlements that were made with over XXXX state attorney general offices throughout the United States of America


Product: I have no obligation to XXXX since XXXX lnXXXX
Issue: XXXX
Subissue: and XXXX are blocking this effort. The fact are as follows : In XXXX
Consumer_narrative: I co-signed the XXXX loan for my sister
Company_public_response: XXXX XXXX in XXXX XXXX XXXX
Company: Minnesota. ln the recession
Submitted_via: wrongly managed them
Date_sent_to_company: and wrongly reported on them by several States Attorney Generals
Complaint_ID: Yes
Date_received:
The Experian Report No. is XXXX My Complaint : My credit reports list XXXX with " {$20000.00} past due as of XXXX XXXX XXXX "". This is termed a "" serious delinquency '' and implies the loan is open and with payments overdue. It is seriously hurting my credit rating and ability to refinance. ln fact

Subproduct:
 XXXX accepted documentation of that and granted me a jumbo ARM loan. Now l would like to refinance with a Fixed Rate loan but the credit reports by Experian

State:
 her pay was reduced. XXXX staff advised that we could restructure the loan slightly so she could make payments. I helped her with several payments as we waited for XXXX to work with us. Rather suddenly

ZIP_code:
 XXXX announced that it was foreclosing. Our case was not isolated. XXXX was found to have wrongly written and made loans


Date_received: However
Subproduct: they rely on the credit report ratings which will continue to be hurt by this erroneous report
Complaint_ID: Yes
Product:
 my credit rating is seriously harmed and I can not qualify for the Fixed Rate Loan I would like to replace my ARM. My preferred potential lender states that even though all of my bills are regularly paid including past and present mortgages


Date_received: 01/22/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company_public_response: XXXX XXXX XXXX ceased to exist XXXX XXXX
ZIP_code: if possible
Complaint_ID: No
Consumer_narrative:
In review of my credit report I noticed that a " XXXX XXXX. '' was reporting a delinquency on my credit report. Per the attached Office of Comptroller of Currency Document provided to me by XXXX XXXX Bank XXXX

Company:
 2011. I disputed the apparent fraudulent reporting by a non-existent entity and "" XXXX Bank '' responded

State:
 a trade name. They changed the reporting to "" XXXX XXXX Bank ''. The Problem? XXXX Bank and XXXX XXXX Bank are trade names and therefore can not legally conduct business in regards to contracts. Remember "" XXXX '' and XXXX? If XXXX XXXX Bank XXXX. is the legal entity they must be the reporting entity. We can not assume this without proper documentation from the legal entity which may or may not be XXXX XXXX Bank XXXX. It appears that some un named entity is "" Intentionally Misrepresenting '' who the legal entity is? ( fraud ). I ask that the CFPB force the legal entity to be identified

Submitted_via:
 so I may work with them to resolve. If it is XXXX XXXX Bank XXXX. I would think they would have initiated the reporting and would have responded. Not XXXX Bank that exists as a trade name only per the attached. I was told by the credit reporting agency


Product: got bailed out and now they 're back to feed at the trough again
Complaint_ID: Yes
Date_received:
In XXXX XXXX, XXXX XXXX took on HUD and FHFA for their failure to act : " These XXXX XXXX investors made money by crashing the economy


Complaint_ID: Yes
Date_received:
We need your help to restore the middle class and promote "" true '' economic growth by returning "" stolen '' money to those who were "" robbed '' by greedy financial companies during the subprime mortgage crisis. You can make a real contribution to the American middle class


Date_received: To date
Product: I have n't received a letter
Issue: regulators
Complaint_ID: Yes
Subproduct:
 telephone call or any contact information explaining how any of these and other settlements with financial institutions

Subissue:
 and credit agencies will provide my family with mortgage principal relief on my bloated XXXX home mortgage. I 've been contacting my elected officials about this issue for more than three years and they have been unresponsive and dismissive. Now I read in the XXXX ( XXXX XXXX


Date_received: 02/06/2016,Debt collection,Other (i.e. phone
Product: health club
Subproduct: etc.)"
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Complaint_ID: Yes
Consumer_narrative:
This is a complaint that I thought was done and over, I just received another collection letter from a Century Link collection bill Via : EOS CCA, Collecto, Inc. I never received the modem or the services at that time that these charges occurred. I am currently a XXXX XXXX customer and thought this issue was resolved until I opened my mail yesterday. I placed an order to XXXX XXXX back a few months after I moved into my home in 2014. I went months without internet if it was n't for convenience, and it was inexpensive enough I thought. I do n't really do anything but watch movies and pay bills with it, I 'm not on any social media, I 'm not a gamer. Ironically I am using XXXX XXXX right now to type this. This bill has been ruining my credit for years and I did n't know it. I Ordered XXXX XXXX in 2014 the modem was supposed to be sent out, It was never sent out, someone was supposed to check my service outside only, at no charge they said they had n't made before my first call. They even said they were going to expedite my services to that weekend I would get my modem in 3 days. I was busy working I almost forgot about it completely until I really needed the service I called and asked the lady what happened I thought the modem got stolen off my door step, she said she would check my order " it was never even sent out '' and they would send it and it would be "" Expedited '' again


Date_received: 02/11/2016
Product: Money transfers
Subproduct: Domestic (US) money transfer
Issue: Other transaction issues
Complaint_ID: Yes
Consumer_narrative:
On Wednesday XXXX XXXX, 2016 I completed a transaction with PayPal to send {$950.00} to my landlord to cover monthly rent and utilities. Within minutes ( less than 5 ) the transaction was cancelled by the receiving party. I went into my paypal account it did in fact show cancelled. Intuitively since it was done in such a short period of time, it reflected cancelled, and there were no further instructions offered by the paypal site I concluded this had been resolved and paid my landlord via a more desirable payment method. The following day on Thursday XXXX XXXX, 2016 I received notification from my financial institution that my account had been overdrawn. I went and looked at the transactions and paypal continued to charge my account. I immediately contacted paypal to dispute this transaction and was advised that " regardless of you or the receiving party choosing to cancel


Date_received: 02/06/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: and quite a few phone calls on my part
State: as per my request on XXXX XXXX
Submitted_via: sneaks
Complaint_ID: Yes
Consumer_narrative:
Ditech collects escrow monthly ( {$240.00} ) as part of my mortgage. On XXXX XXXX, 2016 I received a letter from my county stating I was deliquent in paying my taxes. I immediately called Ditech and their process for verifying that they in fact collect money for an escrow account was obsurd. They said to verify this it would take 14 business days and they would need to submit and review this by " research ''. Fast forward a week

Company:
 there was a resolution. The would in fact lay my {$2400.00} tax bill from my escrow account and they would charge me {$66.00} in interest because I was not an escrow consumer and

ZIP_code:
 became XXXX. This is untrue. They have collected escrow since I bought my home in XXXX. These people are liars


Complaint_ID: Yes
Date_received:
Reference Number : XXXX XXXX XXXX XXXX has threatening me with criminal charges if I do not immediately pay on this debt. They have called multiple family members from unknown and blocked numbers stating that I have " serious legal matter '' and to contact them immediately. When I returned the phone call I was told that they would be filing criminal charges for check fraud


Product: Privacy
Complaint_ID: Yes
Date_received:
IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THRU EMAIL OR CALL US BETWEEN WORKING HOURS ON XXXX OFFICER XXXX XXXX, ACE ATTORNEY Copyright 2006 XXXX 


Product: amount
Issue: and XXXX XXXX
Subissue: their representative
Complaint_ID: Yes
Date_received:
XXXX refused to correct their records, despite the fact that they were made aware that they are violation of the Fair Debt Collections Practices Acts ( XXXX XXXX XXXX XXXX, especially section XXXX ( false or misleading representation of " A ) the character

Subproduct:
 or legal status of any debt '' ). We provided them the evidence of the notice of satisfied judgment


Product: and the amount the court requested
Subproduct: which again we satisfied
Complaint_ID: Yes
Date_received:
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ A fair resolution will be the correction of the false information that XXXX has placed on our credit files. Any payment the court needed us to pay was already paid in court


Complaint_ID: Yes
Date_received:
The leasing office has confirmed that this has been reported as an error on their part. I was never evicted nor do I owe any money. I want this handled immediately

Product:
 this inconvenience is preventing me from moving into an apartment that I was declined from due to such inaccurate report. This is an error/ incorrect information showing on my credit report


Date_received: 02/26/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
State: and I 've had direct deposit for as long as I 've had the account. Please
Complaint_ID: Yes
Consumer_narrative:
I had previously filed a complaint because I suddenly started getting {$25.00} monthly service charges on an account that had never been charged. The response I got was that my checking account was no longer tied to a mortgage account, so I would now be getting charged. Well, my account was never a mortgage account in the first place. I 've never even had a mortgage for it to be tied to. Your reason for charging me this fee each month is invalid. I was issued " courtesy '' credits for a few months

Company_public_response:
 but found that I 've been charged again for XXXX XXXX and XXXX XXXX. I 'm sure I 'm about to be charged again for XXXX XXXX. I would like a refund of the charges

Company:
 and my account fixed so that it is like it was before. All I had to have was direct deposit to avoid monthly fees


Product: both held by XXXX ( aka XXXX ). Both mortgages were recorded. 6 months after the foreclosure
Subproduct: I was contacted by XXXX as to how I was going to payoff the 2nd mortgage
Subissue: which they did not do. So
Complaint_ID: Yes
Date_received:
02/02/2016,Debt collection,Mortgage,Cont'd attempts collect debt not owed,Debt was paid,In XXXX I lost my home to foreclosure. There was a 1st and 2nd mortgage

Issue:
 which they called a line of credit. I told them it was discharged in the foreclosure as under my state 's laws a MORTGAGE lender has 3 months after the foreclosure to file a deficiency suit

Consumer_narrative:
 I received XXXX for both the 1st and 2nd and filed them with my XXXX tax returns. The following year I received a letter from a collection agency on the XXXX. I disputed it and it went away. The next year a different collection agency contacted me again on the same already discharged debt. Again I disputed and it went away. Then in XXXX Green Tree contacted me demanding payment on the same discharged debt. I provided all the docs disputing it and heard nothing more. Then I discovered they had put it on my credit report

Company_public_response:
 which I disputed it with the credit bureau and got it removed. 30 days later they put it back on now as Ditech Financial

Company:
 LLC reporting. I disputed it with the credit bureaus again and again got it removed. Today XXXX/XXXX/XXXX I received from Ditech a XXXX Mortgage Discharge for this 2nd mortgage that was discharged in XXXX. I 've heard and read multiple places of this criminal activities by Green Tree which has been closed down by the Feds


Product: she has lied. This has become a standard for them. Send out excuses
Subproduct: deflect and deny any responsibility. In the past two years
Issue: a merger
Complaint_ID: Yes
Date_received:
02/11/2016,Mortgage,Conventional fixed mortgage,Settlement process and costs,,My mortgage company of 11years has in the last two years failed to provide the credit reporting agencies with accurate information. In fact rather not send any info at all. I have confronted them about this. I have been given a bill of goods by their reps including someone who claims to be the vice president of the XXXX office. She has sent several emails claiming an attempt to resolve the issue when I have learned thru talking directly to XXXX and the other credit report agencies


Date_received: After several months of being lied to by these individuals
Product: I contacted the State 's Attorney General 's Office in XXXX
Complaint_ID: Yes
Subproduct:
 they agreed to look into this matter solely based on the fact that several other customers have made the same complaint against my mortgage company. My patience has run out and I need someone to force the compliance and laws governing this lender. The States Attorney Generals office of New Mexico is continuing to investigate this but I fear in talking to them


Product: Inc."
Subproduct: CO
Issue: 80224
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 02/06/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
02/06/2016,Credit reporting,,Incorrect information on credit report,Account status,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Product: you may be sued by the FTC
Subproduct: Consumer Financial Protection Bureau ( CFPB )
Issue: state governments
Subissue: or in some cases
Company_public_response: 617
Complaint_ID: Yes
Date_received:
Enclosed are copies of the following documents supporting my position : 1. Attachment XXXX Equifax Credit File for XXXX XXXX XXXX XXXX/XXXX/XXXX 2. Attachment XXXX "" XXXX XXXX XXXX XXXX XXXX Letter to XXXX XXXX XXXX/XXXX/XXXX '' 3. Attachment XXXX Duties Under the Fair Credit Reporting Act According to the Federal Trade Commission : "" If you do n't comply with the FCRA

Consumer_narrative:
 consumers. The FCRA provides for maximum penalties of {$3500.00} per violation in the case of lawsuits brought by the FTC. FCRA 616


Date_received: 02/02/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Complaint_ID: Yes
Consumer_narrative:
To Whom it may concern : Re : Sears Visa Card, keeps calling my home phone number to collect a debt against " XXXX XXXX '' or my wife XXXX. Collection Phone number is XXXX. No caller ID indicating it is a call from XXXX is provided from the callers number


Date_received: I have called them several times to tell them we are on the DNC lists
Product: do not have a Visa Card with Sears and to stop calling this number. Every day since XX/XX/2016
Issue: no message left
Complaint_ID: Yes
Subproduct:
 there is at least one phone call and a computer animated message left on our answering machine. Other times it is a call and a hang up


Product: amount
Issue: and XXXX XXXX
Subissue: their representative
Complaint_ID: Yes
Date_received:
FMS Financial Solutions refused to correct their records, despite the fact that they were made aware that they are violation of the Fair Debt Collections Practices Acts ( 15 USC 1692 ), especially section 807 ( false or misleading representation of " A ) the character

Subproduct:
 or legal status of any debt '' ). We provided them the evidence of the notice of satisfied judgment


Product: I told them that that particular number
Subproduct: which had been my land line
Complaint_ID: Yes
Date_received:
In XXXX XXXX, I attempted to use my card and it did not go through. When I called, I was told that I had exceeded my credit line and that I had charged $ XXXX, violated my limit, and had missed my payment deadline. I told them that I had not done these things, and asked why the company would cut me off without notification of any sort that I was " late. '' They rudely told me they had notified me and I had not responded. I asked how they did so and they told me they have a record of someone calling and leaving me a message. When they told me the number they called

Issue:
 had been disconnected a long time ago. Then they said perhaps they had sent an email. I never received that either. These charges were all to XXXX company/companies and when one tries to go on the web site


Product: which I did. However
Subproduct: each month the fraudulent charges
Issue: along with penalty and interest fees
Consumer_narrative: and decided to waive the annual fee for all of the incompetency. Nonetheless
Company_public_response: the charges kept reappearing despite assurances otherwise. On three occasions
Complaint_ID: Yes
Date_received:
Someone finally acknowledged that these foreign charges ( I think one was to XXXX also ) were fraudulent and explicitly told me to just pay my accurate charges

Subissue:
 reappeared. I called more than once a month to try and make progress. Some supervisors ( I remember one in XXXX ) told me it was outrageous what I had been going through


Date_received: At some point
Product: some of the XXXX XXXX charges and some of the XXXX charges were taken off. During one conversation
Complaint_ID: Yes
Subproduct:
 someone told me they would take off {$17000.00} of the {$26000.00} or so. How they picked that number is a mystery


Date_received: In addition
Product: I spoke with someone around XXXX of XXXX
Subproduct: when I could not log in
Complaint_ID: Yes
Issue:
 and we realized that someone had logged into my account. I never picked boxing gloves as a symbol and never had selected a question concerning a sister


Product: Inc."
Subproduct: GA
Issue: 317XX
Subissue: Older American
Consumer_narrative: Other
Company_public_response: Web
Company: 01/28/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
01/22/2016,Consumer Loan,Installment loan,Managing the loan or lease,,,Company believes it acted appropriately as authorized by contract or law,Dyck-O'Neal


Date_received: 02/07/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Credit decision / Underwriting
Company: and we are about XXXX underfunded. There are only XXXX homes in my HOA. So very quickly
State: ..in a matter of a few years the HOA 's settlement money will be depleted
ZIP_code: and there will not be enough money to fix the exteriors
Submitted_via: the roofs
Date_sent_to_company: the roads
Complaint_ID: ..so in a few years
Consumer_narrative:
Here is something that NO ONE is thinking about that home buyers, and especially first time home buyers are not considering when purchasing a home! I even tried to get legislators to require this, but they refused. When the mortgage crisis hit, many HOAs did very little to manage their finances. At least mine did n't. They spent a lot of money going after home owners, and collecting very little because the HOA found out it could n't collect, so we picked up the legal fees for liens. My HOA in the last 16 years relied on a defect lawsuit settlement to " keep their dues down ''

Company_public_response:
 but there next to no funds to begin with. I screamed about having a reserved study for years. About 5 years ago they had one done

Company_response:
 and pools in our area. These new home buyers have no idea what is facing them because they have never purchased a home before. The HOA does show them the reserves

Timely_response:
 but it does not show they the future requirements based on the reserves studies. It 's a HUGE piece of the financial obligation puzzle that is conveniently left out of the financing of ahome. So many HOAs are underfunded

Consumer_disputed:
 that realtors would have a fit if it was exposed. So many buyers do not realize they may be buying a lemon


Product: Servicemember"
Subproduct: N/A
Issue: Phone
Subissue: 02/24/2016
Consumer_narrative: Closed with explanation
Company_public_response: Yes
Company: No
Complaint_ID: ..so in a few years
Date_received:
02/17/2016,Credit card,,Identity theft / Fraud / Embezzlement,,,Company chooses not to provide a public response,Bank of America,FL,32208,Older American


Product: I had exceptional credit score
Subproduct: I lived within my means
Subissue: every day
Company_public_response: none of them went to jail. I am one person
Complaint_ID: Yes
Date_received:
Chase 's response is always the same, we are right and you are wrong. I have the documentation, CHASE - nothing and they finally admitted that the mortgage was a VERBAL one. A legal institution giving a VERBAL contract while they made sure all 'i 's '' and " t 's '' were dotted when they were taking government hand out so that they could become 'too big to fail '. I played by the rules

Issue:
 I was careful with my money and paid all my debts until the unlawful litigation from thieving Florida Lawyers. I work 20 hours per day

Consumer_narrative:
 to dig myself out of the financial mess..and all I am asking for is someone to help me with this dishonest financial institution. It amazes me that after all the dishonest dealings that caused the economy to tank


Product: Inc."
Subproduct: NY
Issue: 125XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 02/26/2016
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,TransUnion Intermediate Holdings


Date_received: 02/07/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Application, originator, mortgage broker
Company: non-issuance of Commitment to Insure
State: non-issuance of Deed & Title Policy
ZIP_code: non-issuance of Certificate of Release from orig. Title insurance
Complaint_ID: Yes
Consumer_narrative:
This complaint is in addition to my previous complaint, case # XXXX. We received a Notice of Final Judgment from LoanCare, informing us our property would be auctioned on XXXX XXXX, XXXX. LoanCare answered the prior complaint by stating they are no longer the holder of the promissory note or the servicer. They stated the note has been transferred and sold to XXXX XXXX. Furthermore, we were not served a Notice of Entry dtd XXXX/XXXX/XXXX as read in the court documents by XXXX law firm or by the referee, XXXX XXXX, thereby denying us our right of Due Process to Appeal or Answer to LoanCare 's allegations. We first recvd this Notice of Entry & Final Judgment on XXXX XXXX, XXXX via XXXX class mail. In my previous complaint, which you have on record, LoanCare answered by stating they are not the Servicer as of XXXX XXXX, XXXX. XXXX XXXX, who holds the Note and is the Assignment of Record is currently offering us loss mitigation resolutions, hence LoanCare is in violation of " dual-tracking ''. They are attempting to seize the property through illegal and unscrupulous acts. We find that LoanCare is in violation of 15 U.S. C1641 ( f ) ( 2 ) whereby servicers are under Federal obligation to disclose "" true owner '' of the obligation. If LoanCare XXXX has sold the loan to XXXX XXXX

Company_public_response:
 they why are they proceeding to foreclose on the property? LoanCare has not presented to us the original Note Affidavit of sell from XXXX XXXX to LoanCare


Product: unaware of the new agency
Complaint_ID: Yes
Date_received:
01/22/2016,Debt collection,Medical,False statements or representation,Attempted to collect wrong amount,I was contacted by a couple different collection agencies. Unfortunately I was not aware of the difference at the time because the representatives who contacted me spoke in a mumbled voice and had heavy accents. XXXX XXXX XXXX XXXX stated that I owed them {$2000.00} on XXXX/XXXX/XXXX. I spoke to them on the phone several times however we did not reach an agreement for the settlement. I continued to be contacted

Subproduct:
 and continued to try to settle. At this time I was being contacted by XXXX who started to contact me on XXXX/XXXX/XXXX in reference to the same account number. Finally on XXXX/XXXX/XXXX I reached a settlement with XXXX XXXX XXXX XXXX to pay my account number XXXX. I received a paid in full receipt and the agreement in writing. The original debt was still the "" XXXX XXXX XXXX '' debt I was talking to them about this whole time. Well when I check my credit report I was sent to collections by "" Credence '' for the "" Key Vaca Physicians '' debt which I thought I had settle earlier that month. XXXX XXXX told me specifically that I was paying my debt from the "" XXXX XXXX XXXX '' in full with them in the amount agreed upon. I did not know that part of the debt had been forwarded elsewhere


Complaint_ID: Yes
Date_received:
Also, I noticed my XXXX credit report had a balance of XXXX for Ally and XXXX and XXXX had a balance of {$0.00} so I disputed the balance with XXXX. After the completion of my dispute, Ally changed the balance on XXXX and XXXX credit reports from a XXXX balance to a balance of {$27000.00}, which is " Misstating the balance due ''


Date_received: When I disputed the balance with Experian
Product: Ally reposed the car from my mom place of residence. After the car was reposed by Ally
Complaint_ID: Yes
Subproduct:
 is when I received documentation from Ally about the car but nothing before the car was reposed. Since


Subproduct: I received a call
Issue: from Chrysler Capital
Subissue: stating my payment was 30 days late
Consumer_narrative: much to my surprise. After being informed of this
Company: on XXXX/XXXX/2016
State: along with XXXX other checks. The XXXX other checks had been processed through their bank
ZIP_code: but the check for my pay-off had not. The dealership attempted to right the wrong
Submitted_via: as much as they could
Date_sent_to_company: by calling Chrysler Capital
Company_response: to no avail. The dealership did stop payment on the original check and sent another check
Consumer_disputed: the "" Office of the President '' has informed me that they have no choice
Date_received:
02/26/2016,Consumer Loan,Vehicle loan,Managing the loan or lease,,On XXXX/XXXX/16 I traded my previous vehicle for a new vehicle. My payment date on the previous vehicle was XXXX/XXXX/16

Product:
 therefore I did not make a payment. Both my previous car loan and my current car loan are through Chrysler Capital. My new loan included pay-off of my previous loan. On XXXX/XXXX/16

Company_public_response:
 I immediately called the dealership that I had purchased the new car from. They told me that a check had been mailed to Chrysler Capital

Timely_response:
 that has now been received by Chrysler Capital. This check posted to my previous account on XXXX/XXXX/16. After more than 10 days of frustrating calls and leaving messages

Complaint_ID:
 but to report the late payment to the Credit Bureau. I feel that this is unnecessary and unfair. They had access to both my previous loan and my new loan to see that a pay-off was in the process. I had no reason to think that there was any problem with the pay-off of my previous vehicle. There were no phone calls


Date_received: 02/07/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Complaint_ID: No
Consumer_narrative:
TD Bank has charged an overdraft fee for a situation in which we make a check deposit minus " cash ''. If there is not a balance in your existing checking account ( pre-deposit ) to cover the "" cash '' portion that you are taking from your deposit


Complaint_ID: No
Date_received:
The complaint is regarding a deceptive practice. Its fine if the policy is as it is but it should be the teller 's responsibility to tell the customer that they do n't have the money in their checking account to cover the withdrawal so they can either choose to take it against an alternative account that has the funds or they can take a lesser amount so they do not incur the fee


Date_received: 01/28/2016
Product: Credit card
Issue: Billing statement
Complaint_ID: Yes
Consumer_narrative:
HH GREGG credit account. Charged us high interest & added it to our account without giving us any notice. I asked in HH Gregg local store in XXXX XXXX, if they could tell us a " balance '' or give us a payment statement. HH Gregg told me


Product: NEW YORK
Complaint_ID: No
Date_received:
If a voice on the telephone claims you owe a debt : XXXX ( Threatening criminal process in order to collect a civil debt is a clear violation of the Federal Fair Debt Collection Practices Act. ) Last known address : HIGH POINT ASSET INC XXXX XXXX XXXX XXXX


Complaint_ID: No
Date_received:
02/07/2016,Credit card,,Late fee,,I paid my credit card statement on the day it was due. The statement shows a due date of XXXX XXXX. There is no disclosure on my statement stating the payment is due before a certain time and time zone. I paid about XXXX CST only after I attempted to call twice and was on hold for long periods of time BEFORE XXXX CST to make a phone payment. I could n't get through

Product:
 so therefore I went to pay online. by it was passed XXXX CST by a few minutes. The system would not allow me to pay on XXXX XXXX


Date_received: 02/07/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: 2016
Complaint_ID: Yes
Consumer_narrative:
Got a " update '' of the Deposit Account Agreement. Here is a copy from the document : "" WE ARE UPDATING OUR DEPOSIT ACCOUNT AGREEMENT On XXXX XXXX

Company:
 we will publish an updated version of our Deposit Account Agreement so that it is easier to understand. The updated agreement will be available on XXXX


Date_received: Please read the entire document
Complaint_ID: Yes
Product:
 paying special attention to these sections : - Deposit Records and Receipts ( page XXXX ) : If you deposit an amount that is higher or lower than what is on the deposit receipt


Date_received: 02/08/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker
Company_public_response: XXXX
Company: XXXX
Complaint_ID: Yes
Consumer_narrative:
Chase Bank, took 3 1/2 years to approve a short sale. During that time they reported " past due '' on my credit reports at the XXXX credit reporting bureaus


Complaint_ID: Yes
Date_received:
For example, they never sent me an XXXX XXXX billing statement. After calling them several times telling them to send it, which they never did, I went ahead and sent the full XXXX payment to them on XXXX XXXX, XXXX. The next thing I knew, I received XXXX 's bill 'combined ' with XXXX 's and then, along with XXXX 's bill, which still included property taxes, they also conveniently included a late charge of {$44.00} in XXXX. And to think, I was the XXXX trying to keep things straight and on the level by communicating with them. It is my opinion, they did all of this, plus much more, with hostile malice to confuse me in XXXX of their 'numbers games ' hoping I would follow along. At this point, I characterize them as " PREDATORY. '' I think not being able to fool me over is the reason they have stopped communicating with me almost completely. With my hefty down-payment on my home purchase


Date_received: So
Product: now that they have about ten ( 10 ) months of 'EXEMPT TAXES ' belonging to me
Subproduct: amidst other items escrowed on my behalf
Complaint_ID: Yes
Issue:
 they have sent to me an analysis informing me that my escrow has a 'shortage ' (? ). Needless to say

Subissue:
 I disagree. Keeping in mind that all of this time things are just getting more and more confusing which is apparently

Consumer_narrative:
 what they like ... it 's their jobs. They escrowed so excessively at closing that they had to refund a portion in the amount of {$2800.00} ... I 'm sure they did so probably because these limits are a requirement of RESPA. Nevertheless


Date_received: There was XXXX email that came in late as an actual reponse to information I had requested however
Product: it was the same information I already had which was merely listing my monthly payments. And again
Subproduct: as all the times before
Complaint_ID: Yes
Issue:
 it did not address my exemption of the property taxes they access when they should not have and what they were going to do about refunding the taxes. Basically


Date_received: 02/11/2016
Product: Credit card
Issue: Sale of account
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, XXXXThe Office of the Comptroller of the Currency ( OCC ) today announced an enforcement action against JPMorgan Chase Bank, N.A., XXXX, Ohio, JPMorgan Bank and Trust Company, N.A., XXXX XXXX, California, and Chase Bank USA, N.A., XXXX, Delaware ( collectively, the bank ), for unsafe or unsound practices in connection with the bank 's non-home loan debt collection litigation practices and the bank 's non-home loan compliance with the Servicemembers Civil Relief Act ( SCRA ). The enforcement action requires the bank to provide remediation to affected consumers and to correct deficiencies in the bank 's practices and procedures related to the preparation and notarization of affidavits and other sworn documents used in the bank 's debt collection litigation and its SCRA compliance program. The OCC 's action also directs the bank to improve its debt collection litigation policies, procedures and practices to ensure that affidavits and other sworn documents used in connection with non-home loan debt collection litigation are accurate, based on the personal knowledge of the bank employee signing the documents, or other applicable standard, and are notarized in accordance with all applicable legal requirements. The OCC 's action also directs the bank to conduct a review of all non-home lending debt collection litigation at the bank from XXXX XXXX, XXXX until present, and all non-home lending SCRA accounts at the bank from XXXX XXXX until present, to identify consumers eligible for remediation as a result of the deficiencies and unsafe or unsound practices cited by the OCC. Furthermore JPMORGAN and it 's collectors filed lawsuits and obtained judgments against consumers using false and deceptive affidavits and other documents that were prepared without following required procedures, a practice commonly referred to as " robo-signing. '' These practices misled consumers and courts and caused consumers to pay false or incorrect debt and incur legal expenses and court fees to defend against invalid or excessive claims. The agreement also ensures that Chase will fulfill {$50.00} XXXX in consumer restitution through a separate XXXX consent order reached with the Office of the Comptroller of the Currency. I believe I fall under this criteria being my account was absorbed by JPMORGAN from WAMU during XXXX. And the premium I paid for my card at the time

Company_public_response:
 that had a hardship relief clause for an emergency that if you lost your job. Which was not honored

Company:
 once the account was taken over. Once it was taken over it was put into collections. And my account was sold and handled by at least three different companies. I know the amount I owed to wamu


Subproduct: rounded up to the nearest whole month. For example
Issue: if consulting services are retained for 6 months and 1 week
Consumer_narrative: the prorated time used would be 3 months
Complaint_ID: Yes
Date_received:
At this point in time, I terminated the contract as stipulated in Section XXXX of the signed agreement. It notes : " After at least 3 months of consulting

Product:
 either party may cancel this consulting Agreement. The cost of {$22000.00} will be prorated based upon the length of consulting services provided

Subissue:
 the Client 's responsible portion will be 7 months and 5 months will be reimbursed. Repayment will be within thirty days. '' In this situation

Company_public_response:
 rounded up from 2.5 months and the refund would be for 9 months. {$22000.00} divided into 12 months equals {$1800.00} monthly. Therefore


Date_received: The consulting company disagreed with this figure and came back with an amount much lower
Product: without explanation. At this point in time
Consumer_narrative: meals
Complaint_ID: Yes
Subproduct:
 I relied on the American Express dispute process to resolve the conflict. After the first XXXX disputes

Issue:
 the consulting company agreed to refund {$11000.00} and did so AFTER the date they were supposed only

Subissue:
 and only after repeated calls to them from American Express. The consulting company claimed that travel


Date_received: At no point did the consulting company have ANY contact with me after XXXX XXXX
Subproduct: I demand to see proof such as e-mail correspondence between the myself and the company
Issue: phone logs showing sustained contact after XXXX XXXX
Subissue: XXXX worthy of "" extensive follow up ''
Consumer_narrative: or even SMS records.The burden to prove that services were provided from XXXX XXXX
Complaint_ID: Yes
Product:
 XXXX until I contacted them to cancel the consulting agreement. If they are claiming to having provided "" extensive follow up ''


Product: Inc."
Subproduct: FL
Issue: 33776
Consumer_narrative: N/A
Company_public_response: Referral
Company: 02/22/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
02/17/2016,Debt collection,I do not know,Cont'd attempts collect debt not owed,Debt is not mine,,,Vital Solutions


Date_received: 02/26/2016
Product: Consumer Loan
Subproduct: Personal line of credit
Issue: Managing the line of credit
Company_public_response: PA
Company: but to no avail. They state they can not do anything about it
State: that I must call the company directly
ZIP_code: which I have done numerous
Complaint_ID: Yes
Consumer_narrative:
I took out a personal loan from Wells Fargo in XXXX of XXXX. I have been receiving letters from them for close to a year, asserting that I am behind by XXXX payments. My payment, per month is {$210.00}. By their calculations I now owe a total of {$1500.00}, which includes unpaid late charges of {$740.00}. I sent XXXX copies of my checking account statements, showing the payments were made. I have been unable to resolve this issue, with the most recent correspondence, from XXXX XXXX, XXXX XXXX XXXX - XXXX, stating that XXXX payment on XXXX XXXX, XXXX was made and applied completely to interest, as " no payments had been made for three months prior. '' She never addressed the copies of my statements showing proof of my "" missing payments ''. I have been to the branch office in XXXX XXXX


Product: Servicemember"
Subproduct: Consent provided
Issue: Web
Subissue: 03/23/2016
Consumer_narrative: Closed with explanation
Company_public_response: Yes
Company: Yes
Complaint_ID: Yes
Date_received:
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Wells Fargo & Company,PA,186XX,Older American


Date_received: For purposes of this complaint, " Caliber Home Loans
Product: Inc. '' means any principal
Subproduct: partner
Issue: shareholder
Subissue: attorney
Consumer_narrative: contract attorney
Company_public_response: representative
Company: agent or employee performing any service or work related to any foreclosure
State: past or present
ZIP_code: connected to any mortgage loan
Complaint_ID: Yes
Submitted_via:
 deed of trust or any document submitted to the Public Trustee of XXXX County relevant to the real property located at XXXX XXXX XXXX XXXX in XXXX County


Product: but not limited to
Complaint_ID: Yes
Date_received:
Relevant state and federal court records and documents establish that Caliber Home Loans has knowingly and intentionally engaged in coordinated debt-collection activities to collect a debt in violation of state and federal laws including


Date_received: Additionally
Product: seven years of relevant documents
Issue: intimidate
Subissue: and harass XXXX XXXX XXXX
Complaint_ID: Yes
Subproduct:
 business records and communications establish that Caliber Home Loans has knowingly and intentionally engaged in coordinated debt-collection activities to mislead


Complaint_ID: Yes
Date_received:
XXXX XXXX XXXX hereby incorporates by reference each and every statement and fact contained within Consumer Financial Protection Bureau Case Number XXXX


Complaint_ID: Yes
Date_received:
XXXX XXXX XXXX hereby incorporates by reference each and every statement and fact contained with Consumer Financial Protection Bureau Case Number XXXX


Date_received: Finally
Complaint_ID: Yes
Product:
 XXXX XXXX XXXX hereby incorporates by reference each and every statement and fact contained within any state or federal court document or record relevant to this complaint


Date_received: 01/28/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Complaint_ID: Yes
Consumer_narrative:
I deposited a check for XXXX XX/XX/XXXX, the check was returned XXXX/XXXX/XXXX therefore the XXXX was debited from my account. On XXXX/XXXX/XXXX XXXX was debited from my account again, stating the check deposited on XXXX/XXXX/XXXX was fraud. Hence, my account has been debited a total of XXXX. I immediately called to file a dispute and was told I needed to go to the branch. On XXXX/XXXX/XXXX I went to the branch and was advised I need to file a claim over the phone. I then filed a claim and was told to wait 7-10 days.. I waited. I called back and was told that claim was closed and another one was opened XXXX I was told to wait 2 weeks.. I waited. Today XXXX/XXXX/XXXX over a month later I called to check the claim and was advised by the claims department that because they only debited the account once and refunded the money to the person that wrote the check, if I wanted my XXXX back that was debited on XXXX/XXXX/XXXX I had to contact the branch because there was nothing they could do. I then called the XXXX Fl office where I have my account, I spoke with a XXXX who advised me I needed to come to the branch. I advised XXXX I have since moved to XXXX Oh and there are no branches here. I explained to her what I have been going through, she advised me she would forward to an escalations team to " look at it ''. By simply looking at my account it is plain to see Wells Fargo owes me XXXX. I have been charged a total of XXXX plus fees for a single check that was returned. WF got their money out of my account 4 days after the check was deposited


Date_received: 02/22/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Complaint_ID: Yes
Consumer_narrative:
Transunion ONLY reported " serious delinquency '' : XXXX not paid for 120 days XXXX XXXX on XXXX credit card account which was paid on XXXX/XXXX/XXXX and CLOSED on XXXX/XXXX/XXXX. I requested correction ( filed complained on line XXXX XXXX XXXX


Date_received: 02/26/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Complaint_ID: Yes
Consumer_narrative:
See your law suit against Greentree I have fell victim of this aweful company. they '' dual track " while i was going through a loan modication. greentree added thousands of dollars to my account knowing i could n't pay it thats why I requested loan modification application. I went from {$740.00} behind to {$8000.00} now i have to come up with {$9400.00} in order to get my home back

Company_public_response:
 They stole my home. kick me and my grandson out on the streets last month. I have had this mortgage since 


Date_received: 01/27/2016,Mortgage,Conventional fixed mortgage,Loan modification
Product: collection
Subproduct: foreclosure"
Subissue: I received a letter from Bayview Loan Servicing ( " Bayview '' ) dated XXXX XXXX
Consumer_narrative: XXXX
Company: XXXX letter from Bayview ( BLS Case NO : XXXX ) Although that XXXX XXXX
Complaint_ID: Yes
Company_public_response:
 claiming I had contacted them stating in part : "" We have received your inquiry regarding the above referenced mortgage loan. Please be assured that your inquiry will be reviewed promptly as it is our goal to provide excellent customer service ... We will provide a complete response on or before the Proposed Resolution Date indicated above. If your inquiry requires additional time to complete then we will notify you by mail. '' See attached XXXX XXXX


Date_received: On XXXX XXXX
Product: XXXX
Issue: XXXX letter. See attached XXXX XXXX
Complaint_ID: Yes
Subproduct:
 I contacted Bayview via fax and XXXX Mail and notified them that I had not contacted them as stated in its XXXX XXXX


Date_received: In that XXXX XXXX
Subissue: XXXX
Consumer_narrative: XXXX
Company_public_response: XXXX
State: XXXX letter
Complaint_ID: Yes
Product:
 XXXX letter I also requested the following information from Bayview stating : "" Kindly provide the following : i. ) Can you tell me if this property and loan is in foreclosure ; ii. ) If this loan is in foreclosure

Subproduct:
 kindly provide if and when Bayview initiated any such foreclosure action ; and iii. ) Pending your answer to the foregoing

Issue:
 please provide any relevant date ( s ) if Bayview has delayed any such foreclosure action or proceeding at any time for any reason. Please note this request is within the scope of error resolution : XXXX ( XXXX ) XXXX

Company:
 and XXXX. Pursuant to XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX kindly provide your response within the period provided by the statute. '' I understand Bayview had 15 days to provide documentation illustrating that no error has occurred. XXXX XXXX Section XXXX XXXX XXXX ) ( XXXX ). It is beyond the 15 day period and Bayview has neither provided any explanation or documentation as to why it believed I contacted it as illustrated in its XXXX XXXX


Date_received: I received another letter from Bayview claiming a response date of XXXX XXXX
Complaint_ID: Yes
Product:
 XXXX however this letter contained a different BLS Case No : XXXX indicating it was not related to the first letter Bayview sent on XXXX XXXX


Date_received: 02/17/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Settlement process and costs
Company_public_response: XX/XX/XXXX
Complaint_ID: Yes
Consumer_narrative:
We purchased a new home XX/XX/XXXX. XX/XX/XXXX we had someone wanting to Assume our previous loan with NationStar Mortgage ( the house we moved out of. ) We began the Assumption process XX/XX/XXXX and submitted everything asked for at the time. We have now been working on this process for just over 14 MONTHS. We 've contacted them I can not even begin to say how many times. They 've given the run around to us from the get go. From telling us they can not do Assumptions ( yes, they can, it 's in our mortgage and loan contracts ), to we had to put her on our TITLE to our house before they could see if she 'd qualify for the assumption, to just plain no response, to documents are missing but no one can tell us what. XX/XX/XXXX we were finally given a list of documents needed including Purchase Agreement and Title Insurance Certificates. These documents were procured and then it took me approximately 3 weeks to get a fax number to submit these documents. On XX/XX/XXXX these were faxed in, all documents requested except for XXXX. They wanted a divorce decree and there WAS no divorce involved in our situation therefore no document to submit. I 've spent the past 3 1/2 months now trying to get an answer and update. All anyone will tell us is that it 's " in process. '' Then

Company:
 I was told that a letter had been mailed on XX/XX/XXXX and give it 7-10 business days to get to us. A letter still has not been received. When trying to call I 've been hung up on numerous times. The woman trying to assume our loan also called about three weeks ago and was ALSO told a letter was just mailed the day before. She also received nothing. This has to end. We 're just trying to do the assumption which is supposed to be a relatively easy process. They 're blatant incompetence and or down-right shadiness is inexcusable if not even


Date_received: 01/27/2016,Bank account or service,Checking account,Deposits and withdrawals,,On XXXX XXXX
Subproduct: then XXXX XXXX the money to an address in XXXX. After I withdrew the money from the ATM
Company_public_response: which I did. I asked about getting the money refunded
Complaint_ID: Yes
Product:
 2016 I received a phone call stating that I received an {$8000.00} grant and in order to get the grant I had to give the account and routing number for my bank. The further instructions were to go to an ATM and pull out {$300.00}

Issue:
 someone went into a Navy Federal and deposited {$15.00} into the account and then withdrew {$770.00} from the checking account. Three hours after the withdrawal from the ATM

Subissue:
 I told a friend about the grant and she told me to check my account because it sounded like a scam. When I checked the account

Consumer_narrative:
 I saw the unauthorized debit of {$770.00}. I immediately notified Navy Federal Credit Union and informed them of the fraudulent activity. They recommended that I close the account


Date_received: 02/26/2016
Product: Credit card
Issue: Billing disputes
Company_public_response: I tried to reconcile this online
Company: through the Macy 's website
State: but every time I tried to log in during the spring
ZIP_code: summer and fall of 2015
Date_sent_to_company: after receiving a check from MACYS ( aka American Express )
Company_response: for overpayment
Timely_response: the same month I received an invoice for slightly more ( due to the large missed payment fees )
Complaint_ID: Yes
Consumer_narrative:
Without my knowledge, my Macy 's account was tied to a separate American Express account. When I paid to the account number on my Macy 's credit card, which cleared, I was unaware I was paying to a XXXX balance American Express account, and not to my " Macy 's '' balance. Over the course of many months

Submitted_via:
 I was told the site was "" temporarily down. '' I called the number on the account at least 2 times and was unable to speak to someone who could tell me what was going on. Finally


Date_received: Last month I paid the full balance
Subproduct: apparently for some sort of balance fee
Issue: which I do n't understand. I paid that
Subissue: but somehow it was mixed up again
Consumer_narrative: and did n't post ( I have the bank statement to proove it )
Complaint_ID: Yes
Product:
 and was told by the customer service rep that there would be no further charges. Then I received a bill for XXXX 


Product: Inc."
Subproduct: FL
Issue: 33815
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 02/26/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
02/26/2016,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt is not mine,,,Commonwealth Financial Systems


Date_received: 02/26/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: at your option
Complaint_ID: Yes
Consumer_narrative:
When I signed my loan docs with Amerisave Mortgage the contracts said : " You have the right to request that the PMI be canceled

Company:
 on either of the following dates ( "" the cancellation date '' ) : ( XXXX ) The date the principal balance of your loan actually reaches 80 % of the original value of the property


Date_received: 01/28/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company_public_response: '' becomes negative. That is
State: and are usurious to say the least. Suntrust will not refund any overdraft fees
Complaint_ID: Yes
Consumer_narrative:
This complaint is in regard to Suntrust Bank and their overdraft practices. Recently, I inadvertently overdrew my account by {$42.00} through XXXX transaction. The next day, several items that had been previously pending cleared my account and I was assessed XXXX overdraft fees for {$36.00}. One the day these transactions cleared, the purchase that overdrew my account was still pending. All of the transactions posted to my account with a positive balance. Suntrust advised that overdraft fees begin the moment the " available balance

Company:
 the balance in the account that changes throughout the day. I had several other items pending that cleared causing overdrafts because of the way they manipulate their processing. I paid XXXX overdrafts for overdrawing my account {$42.00} with XXXX transaction. The total in fees for this XXXX overdrawn transcation is {$320.00}. Suntrust 's practices directly conflict with FDIC guidance


Date_received: 02/17/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Can't contact lender
Subissue: Can't contact lender
Complaint_ID: Yes
Consumer_narrative:
I continuously receive phone calls from a company named Premier Recovery Group ( PRG ). I decided to contact them today to find out what is the nature of their consistent calls. They mentioned something about an online loan from many years ago that I have no knowledge of. in addition to the rude tactics the representative had while speaking with me, there are several FDCPA and TCPA violations. The agent never provided the mini miranda, did not properly identify he was speaking with the correct person nor did he provide the recording statement. I have never given this organization express consent to dial my cell phone number ; I do not even know who they are. When I verbally requested a cease and desist the agent began to yell " Pay your bill '' several times and hung up


Complaint_ID: Yes
Date_received:
02/17/2016,Student loan,Non-federal student loan,Dealing with my lender or servicer,Trouble with how payments are handled,My Chase XXXX private student loan has now been paid off three different times with the balance ending at {$0.00}. They will not close the loan out and continue to send me monthly statements even though the loan is now with XXXX XXXX. The people that work there continue to give me the run around transferring me to several different "" supervisors '' all who say the loan is closed out and then I get a bill every month. No one here know how to process a payment


Date_received: 02/22/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
State: how do I make a claim or get the money from my daughter 's XXXX account? Beyond that
Complaint_ID: Yes
Consumer_narrative:
This complaint concerns the ability of consumers to reach, communicate and deal with, the department in the Bank that handles IRA accounts. My daughter had an IRA account at OneWest Bank in XXXX XXXX, California. She passed away, and I am her heir, and the court-appointed " personal representative '' of her estate with Letters of Appointment from the Court. My regular banker who handles deposit accounts at OneWest tried to get the IRA section 's attention to deal with my daughter 's XXXX. They essentially blew him off

Company_public_response:
 never sent me any email or called me. I tried to call the XXXX section of the bank and was told I could not speak with anyone if I did not have my daughter 's XXXX account number. Apparently

Company:
 the XXXX section is completely insulated from customers and will not talk to customers or court-appointed administrators. If that section of the bank is unresponsive to the retail section of the bank and will not speak with me


Date_received: 02/22/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company_public_response: XXXX ''. In addition
Complaint_ID: Yes
Consumer_narrative:
Experian has relied on XXXX arguments to keep a delinquent mortgage payment reporting by such debt collector in my credit report citing " The result summary provided by XXXX on XXXX XXXX


Product: on XXXX XXXX
Subproduct: XXXX
Subissue: XXXX prior to XXXX XXXX
Complaint_ID: Yes
Date_received:
I have not been asking Experian to act as a mediator or negotiator in my dispute with XXXX 's malicious delinquency reporting alleging a missed on-time mortgage payment. I am simply stating that such delinquency reporting is not warranted and that it must be deleted from my credit report. In fact

Issue:
 I requested from XXXX a mortgage pay off amount and which it provided and full payment was made on XXXX XXXX


Date_received: According to the following real estate transaction manifest
Product: "" Once the property is sold and the debt is paid
Subproduct: the mortgagor 's obligation to the mortgagee is over ''. Consequently
Company_public_response: the mortgage subsequently transferred to XXXX
Company: a debt collector
State: for servicing. Immediately after the financial meltdown of XXXX
Complaint_ID: Yes
Issue:
 XXXX does not have any basis whatsoever to report the loan delinquent once it had received all of its payments within the time frame stipulated in its pay off quote. Experian 's decision to accommodate XXXX 's abusive & capricious action

Subissue:
 is in fact totally an act of pure discrimination toward me by both Experian and XXXX. This has been going on since XXXX XXXX

Consumer_narrative:
 XXXX when the mortgage was acquired from XXXX XXXX Mortgage XXXX at an interest rate of 7.938 % and

ZIP_code:
 I repeatedly requested from XXXX to have the loan modified which it never agreed to claiming that I was wealthy enough to support the mortgage payments at that high interest rate while the property had devalued significantly. In fact it was puchased for {$230000.00} in XXXX and sold for only {$180000.00}


Product: Inc."
Subproduct: CA
Issue: 92501
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 02/17/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
02/17/2016,Debt collection,Medical,Disclosure verification of debt,Not given enough info to verify debt,,Company believes it acted appropriately as authorized by contract or law,Fidelity Capital Holdings


Date_received: 01/28/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Complaint_ID: Yes
Consumer_narrative:
Thanks to my complaint to consumer finance, BOA ( who sold my mortgage to FHA and got compensation ) felt obligated to " help '' by instructing the loan servicer ( XXXX XXXX XXXX XXXX ) to review my case. After sending the usual paperwork and package requested by "" XXXX '' I was told over the phone that my loan mod request was denied unless I fork over {$56000.00} to the bank. I just do n't have that kind of money. So I asked that a denial letter be sent to me or my attorney. I 've received everything from "" XXXX '' but the denial letter. In fact I just received another letter from "" XXXX '' offering help AGAIN. The new offer came with a notice from the court informing me that my house will be auctioned in a few days. Nice strategy from BOA and XXXX XXXX XXXX


Product: LLC"
Subproduct: TX
Issue: 77042
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 02/17/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
02/17/2016,Debt collection,Medical,Improper contact or sharing of info,Contacted me after I asked not to,,Company believes it acted appropriately as authorized by contract or law,Capital Accounts


Complaint_ID: Yes
Date_received:
I put the charge on AMEX specifically because of the protection they say you have if you get ripped off. When I called AMEX initially the CS Rep told me it happens all the time, not to worry about it and they would get it taken care of, just file a dispute. So again, I let it go because they led me to believe they were going to take care of it, so on another angle, my time to cancel using another means ran out. I filed the dispute 6 times with AMEX and each time they denied using different reasons and documents they received from merchant that were not relevant in some cases. I have attached them. This company has an office, XXXX of them that I could locate, in the US also. I also went to an attorney, who charged me for a consult to tell me to " XXXX '' or file against Amex because I was not going to be able to do anything against the vacation club. I went onto AMEX community form website and there are numerous people on it with the same problem that I have had with AMEX and disputing charges. I have called and called them and just get passed to another phone operator. I have sent them written confirmation from the merchant where I tried to cancel on XX/XX/XXXX and then AMEX came back and said they denied because vendor said I never tried to cancel or never complained. If I was rich it would be different

Product:
 but this was XXXX of my savings. I am just stupid..really stupid and looking for help. I am not trying to get out of paying


Product: Inc."
Subproduct: GA
Issue: 30127
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 01/28/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
01/28/2016,Debt collection,I do not know,Cont'd attempts collect debt not owed,Debt is not mine,,Company disputes the facts presented in the complaint,National Credit Systems


Date_received: 02/22/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Consumer_narrative: Per the CFPB, " mortgage servicer must
Company_public_response: in most cases
State: improper fees
Complaint_ID: Yes
Company:
 acknowledge receipt of a written information request or complaint of errors ( such as misapplication of payments

ZIP_code:
 etc. ) within five days and respond within 30 days. The 30-day period may generally be extended for an additional 15 days if the servicer notifies the borrower within the 30-day period of the extension and provides the reasons for delay in responding ''. I informed PNC that foreclosure proceedings should never have been stated in the first place because

Submitted_via:
 per XXXX and XXXX XXXX a lender has to participate in loss mitigation program before they can start a foreclosure. Also per the the Consumer Financial Protection Bureau also has rules in place to prevent "" dual tracking '' where a servicer is simultaneously evaluating a borrower for a loan modification or other alternatives while at the same time pursuing a foreclosure on the property. I was offered and agreed to loan medication foreclosure proceeding were stated anyway

Date_sent_to_company:
 which in in violation of the above mentioned agencies. PNC stated that my response package was not received in time. This was because XXXX XXXX of PNC stated that I need a copy of the actual check that I received every month. She did not informed of this until the end of XXXX meaning that copies of the actual check would be received until XXXX XXXX. This turned out to be false a pay stub/earning statement can be used. I had sent in copies of my pay stub prior to her telling me this therefore the bank has the copies in time they just chose not to use them. Finally


Date_received: On XXXX XXXX XXXX
Subproduct: ( 2 ) by leaving a copy of the summons with the defendant 's usual place of abode
Consumer_narrative: XXXX XXXX XXXX XXXX XXXX
Complaint_ID: Yes
Product:
 of XXXX when to my FORMER place of employment. This was her first stop. ( She went there before coming to my usual place of abode. Even though I was not supposed to be served at any rate. ) I have not worked there in 6 years. They had NO legal right to go there. XXXX went there before on XXXX. ProVest was told on that date by my former employer that the ... '' THIS OFFICE DOES NOT ACCEPT OR CONTACT EMPLOYEES TO BE SERVED. '' "" XXXX. Communication in connection with debt collection [ XXXX XXXX XXXX XXXX XXXX XXXX ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. '' In an effort to embarrass me and cause me stress XXXX when there again knowing that I no longer worked there. According to Federal and state law a person is to be served at their usual place of abode. "" ... summons upon an INDIVIDUAL defendant 's shall be made ( 1 ) by leaving a copy of the summons with the defendant personally

Issue:
 with some person of the family or a person residing there ... '' XXXX XXXX XXXX XXXX XXXX XXXX ] Personal delivery to someone other than the person to be served is not adequate even then that person immediately redelivers the summons to defendant. XXXX XXXX XXXX XXXX

Subissue:
 XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX "" Usual Place of Abode '' A person 's usual place of abode is a question of fact. [ XXXX XXXX 'XXXX XXXX XXXX. XXXX


Date_received: 02/17/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: we originally called on XXXX/XXXX/2016 at XXXX
Company: I do not recall who we spoke with
Complaint_ID: Yes
Consumer_narrative:
Below is a quote of a secure email I sent to Pennymac on their website " We have tried to reconcile some issues with Pennymac concerning our escrow account


Complaint_ID: Yes
Date_received:
On XXXX/XXXX/2016 I called again and spoke with XXXX and she indicated top me that she saw we had called

Product:
 and she said it takes 10 business day for a reply to be generated - it would have been nice if the person that answered my first call would have said that


Complaint_ID: Yes
Date_received:
On Wednesday XXXX called at about XXXX and left a number ( XXXX ) and extension # ( XXXX ) for me to call back. I tried to do so


Date_received: You sent us a overage refund of {$360.00} on XXXX/XXXX/2016
Complaint_ID: Yes
Product:
 we feel that overage should have been about {$360.00} more according to projected continued payment of escrow payments as of XXXX 2016 of XXXX


Date_received: 01/28/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: hello anyone there!!! You do n't hear a word
ZIP_code: have n't heard from her! My situation and circumstances have changed
Complaint_ID: Yes
Consumer_narrative:
I have been getting the run around from my lender regarding my loan modification. They are looking for every reason under the sun to deny my modification, and sell my house. They do n't return calls, emails, or any correspondence that is sent to them in a timely fashion. I have provided all information that was requested and they just wait until it is too late to make any decisions. I 'm a promised a phone call never received a return call. This process is frustrating and criminal at best. I take responsibility for my role in this unfortunate situation however when you speak with a " relationship manager '' that appears to have your best interest at hand you quickly realize they just want to see that final date then pass the buck so you ca n't correct what might be wrong. They act is if they care but they just do n't

Company_public_response:
 they only act like that until the final submittal date and then its like crickets trying to get someone to help you. Hello

State:
 I was reading my paperwork and it clearly states in the document that "" they ( the lender ) may find that we need additional or updated documentation from the borrower to complete the review '' but they never call you or contact you to tell you what you may need. Its is very frustrating I was so hopeful that I would be able to save my house. Last week when I finally reached my relationship manager she informed me that I had to correct a statement in my packet ( two days before the deadline ) she told me to submit a letter and also include recent check stubs for my significant other which I did within hours of her request. Four days later they tell me that the letter had to be notarized ... never in her conversation did she say have the letter notarized so they said because I did n't have that letter notarized my packet was incomplete and my sale will go through and I will lose my house in five days. I finally spoke with my relationship managers supervisor last night and she was going to listen to the recording and call me this morning

Submitted_via:
 I truly believe my lender could get all their money back if they would just work something out. Just in the last quarter my financial situation has changed dramatically but they just do n't care. The loan modification program is filled with loop holes


Date_received: 02/26/2016,Mortgage,Conventional fixed mortgage,Loan servicing
Product: payments
Subproduct: escrow account"
Consumer_narrative: XXXX XXXX about
Company_public_response: I began getting phone calls with no one on the other end
Company: from New Jersey. I ignored them. I got another one today
State: it connected
Complaint_ID: Yes
Subissue:
My mortgarge was sold from XXXX XXXX XXXX XXXX XXXX immediately to Cornerstone Lending. My first issues began when I paid my shortage amount in XXXX 2015. I paid in plenty of time for it to be applied to my account. My bank statement showed Cornerstone cashed my check on XXXX XXXX. I called to make sure the payment had been applied, I was told it had not been as of XX/XX/XXXX. I had to call back in a few days to make sure, which I did. I was told a few days later that the amount was applied and my new payment would be XXXX. They did not credit my account which resulted in the wrong amount being withdrawn in XXXX. My bank statement showed XXXX being deducted. I called again and was told they would apply the extra amount, over XXXX to my principal per my request and that my XXXX payment would be XXXX. I then, XXXX., received a letter stating they had not received my payment of XXXX and my XX/XX/XXXX payment was late. I called and spoke to XXXX who said, no, that was incorrect, my payment had been received ; I have autodraft, and to disregard the notice. I got another letter dated XXXX or XXXX that said " thank you for your XXXX payment ''. Last week

ZIP_code:
 asking me to call Cornerstone. I called and was told my XXXX payment had not been recieved. I had to call my bank so they could send a letter verifying the payment had been made. Again

Submitted_via:
 I have autodraft. I asked to talk to a supervisor. I spoke to XXXX who said my XXXX payment had been applied to my principal


Date_received: 01/28/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
My mortgage servicer is charging me {$1000.00} in what is called " other fees '' on my mortgage statement. I do not and should not owe these fees


Date_received: 01/28/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Complaint_ID: Yes
Consumer_narrative:
I have been contacted numerous times and continued to be harassed by by telephone by a company called " Enhanced Recovery Company 

Company_public_response:
 LLC '' concerning a debt owed by someone else. I have informed them that they have the wrong telephone number and wrong person


Subissue: being promised calls back that are never returned
Consumer_narrative: outright dishonesty
Company: I want to file this report. I am seeking the removal of XXXX charges
Complaint_ID: Yes
Date_received:
01/28/2016,Credit card,,Identity theft / Fraud / Embezzlement,,XXXX fraudulent charges were made to my credit card - XXXX on XXXX/XXXX/16 ( {$430.00} ) and another on XXXX/XXXX/16 ( {$700.00} ) listed as "" XXXX XXXX CA ''. I was never contacted by Citi 's Fraud Watch Dept.

Product:
 as I have been in the past with other large purchases I have made. I happened to notice the charges when I reviewed my account on XXXX/XXXX/16. I immediately called Citi and spoke to an agent

Subproduct:
 who promised me she would immediately issue credits for the fraudulent charges and open an investigation. Today ( XXXX/XXXX/16 ) I checked my account and the charges have not been removed as promised. I spoke with another agent who told me that the charges MAY be removed after the conclusion of the investigation IF the investigation rules in my favor. I am completely floored by the inconsistencies about my victimization that these XXXX agents have expressed to me. After more research

Issue:
 I have uncovered horror stories from Citi customers such as being charged interest on fraudulent charges

Company_public_response:
 etc. I refuse to pay these charges and do not want this to affect my otherwise exemplary credit score. Before drafting a letter to the CEO of Citi Cards


Product: Inc."
Subproduct: DE
Issue: 19808
Consumer_narrative: N/A
Company_public_response: Phone
Company: 03/01/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
02/26/2016,Student loan,Non-federal student loan,Can't repay my loan,Can't decrease my monthly payments,,,Navient Solutions


Date_received: 02/26/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: has never been applied toward XXXX XXXX 's account. However
Company: the check cleared on XXXX XXXX
Complaint_ID: Yes
Consumer_narrative:
I have a mortgage loan with Ocwen Loan Servicing , LLC . On or about XXXX XXXX, 2014 I sent a check to OCWEN. The payment, sent in the form of a check by XXXX XXXX XXXX XXXX 's ( " XXXX '' ) bill pay provider ( XXXX )


Product: Inc."
Subproduct: GA
Issue: 30311
Consumer_narrative: N/A
Company_public_response: Referral
Company: 02/03/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
02/02/2016,Debt collection,I do not know,Disclosure verification of debt,Not given enough info to verify debt,,,Navient Solutions


Date_received: 02/23/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Called after sent written cease of comm
Complaint_ID: Yes
Consumer_narrative:
I received a notice from DSG Collect, dated XXXX XXXX, XXXX, notifying me that they were attempting to collect a debt. In response to their letter and repeated auto-dialer calls to my cellular telephone, I sent a letter, dated XXXX XXXX, XXXX, instructing DSG to stop all communication. The letter was mailed to DSG Collect, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX, which was the address clearly listed on their collection letter. Tonight, XXXX XXXX, XXXX, I received a missed call and voicemail on my cellular telephone from " XXXX

Company_public_response:
 '' advising me that he was calling on behalf of DSG Collect and that this was an attempt to collect a debt. This company has already violated the XXXX by using an auto-dialer to call my cellular telephone. Now


Date_received: 02/23/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Investigation took too long
Company_public_response: XXXX in which Experian is demanding that I submit a copy of a "" current utility bill
Company: bank or insurance statement. '' My "" original '' letter was dated XXXX XXXX
State: XXXX and my "" second '' letter was dated XXXX XXXX
Complaint_ID: Yes
Consumer_narrative:
I have made XXXX ( XXXX ) separate credit report dispute requests to Experian, which were mailed United States Postal Service " certified. '' Both requests were denied. I have AGAIN received another letter dates XXXX XXXX


Date_received: Specifically
Subproduct: which follows Section 610 ( a ) ( 1 ) [ Proper Identification ]
Consumer_narrative: dated XXXX XXXX
Company_public_response: XXXX
Company: I provided Experian a copy of a government identification
State: specifically
Complaint_ID: Yes
Product:
 there is no federal statute under the Fair Credit Reporting Act that requires me to provide "" proof of address. '' This may be a Experian "" policy '' requirement but it is NOT a "" statute '' requirement under the Fair Credit Reporting Act. The ONLY "" statute '' requirement is "" proof of identity '' and not "" proof of address. '' I refer you to the Fair Credit Reporting Act under Section 611 [ Procedure in Case of Disputed Accuracy ]

Issue:
 which states that "" a consumer reporting agency shall require as a condition of making the disclosers required under Section 609 that the consumer furnish proper identification. '' Verification of "" identity '' is provided under Section 609 ( e ) ( 2 )

Subissue:
 which says that "" before a business entity [ Experian ] provides any information ... as proof of positive identification ... the presentation of a government issued identification card. '' In my "" original '' letter


Date_received: 02/23/2016
Product: Consumer Loan
Subproduct: Vehicle lease
Issue: Managing the loan or lease
Company_public_response: and Ally had 4 inspections. The cost started with XXXX and ballooned. Finally Ally demanded XXXX
Company: after keeping the deposit. Car had minor wear and tear
Complaint_ID: Yes
Consumer_narrative:
Ally bank, I Leased a vehicle and paid all payments in time. They had XXXX as deposit. I returned the vehicle to a dealer in time of lease, with miles used much less than allowed on lease. Called Ally many times to return deposit. Answer was " wait till final statement ''. Vehicle was sent for inspection by different company


Date_received: 02/02/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,XXXX
Product: XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Subproduct: XXXX XXXX Equifax XXXX XXXX XXXX XXXX
Subissue: XXXX
Consumer_narrative: XXXX
Company_public_response: XXXX
Company: XXXX
State: XXXX
ZIP_code: XXXX
Submitted_via: XXXX
Date_sent_to_company: XXXX
Company_response: XXXX
Timely_response: XXXX
Consumer_disputed: XXXX XXXX
Complaint_ID: XXXX
Issue:
 XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : LAST LATE DATE XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : LAST LATE DATE XXXX XXXX XXXX XXXX XXXX XXXX {$300000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : LAST LATE DATE XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX {$6000.00} {$81.00} {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX {$60000.00} XXXX {$130.00} XXXX - {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX


Date_received: 02/23/2016,Mortgage,Conventional fixed mortgage,Loan servicing
Product: payments
Subproduct: escrow account"
Consumer_narrative: a buyer or transferee of property will not be permitted
Company_public_response: under any circumstances
Company: be assigned to
State: or assumed by
Submitted_via: XXXX XXXX XXXX
Date_sent_to_company: XXXX XXXX
Company_response: division of XXXX XXXX XXXX XXXX
Timely_response: XXXX ; Also
Complaint_ID: XXXX
Subissue:
I, XXXX XXXX am submitting a complaint regarding my mortgage involving Select Portfolio Servicing , Inc due to breach/violation in my mortgage modification contact I signed in XXXX with XXXX XXXX XXXX, Attn : XXXX, FL XXXX on XXXX/XXXX/XXXX ( 2 YR contract XXXX - XXXX ) ; In my modification contract states " As of the modication effective date

ZIP_code:
 a buyer of the property. '' This agreement has been violated several times. By Select Portfolio Servicing


Complaint_ID: XXXX
Date_received:
I have submitted my complaint twice via USPS on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with delivery confirmation # XXXX XXXX XXXX XXXX XXXX with approximately XXXX pages of supporting documents that was signed for and delivered XXXX XXXX/XXXX/XXXX XXXX Consumer Financial Protection Bureau at locations : XXXX

Product:
 Iowa XXXX & XXXX and with the supporting documents. Please search for them. Note I never signed anything ( contract ) with any of these financial institutions but XXXX XXXX XXXX Also


Date_received: 02/23/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX On XXXX XXXX, XXXX my mailman knocked on my door and when I opened the door he gave me a piece of mail that was intended for my next door neighbor at XXXX XXXX XXXX XXXX. The mailman knew me personally and even though the address on the correspondence had the wrong address, it had my name on it. My address is XXXX XXXX XXXX XXXX. When I opened the letter it was an " Intent to Foreclose '' from the Law Office of XXXX XXXX XXXX


Issue: sold
Subissue: or transferred shall notify the borrower of any such assignment
Consumer_narrative: sale
Complaint_ID: Yes
Date_received:
This was the XXXX time that I had received any communication in regards to this mortgage in over 5 years. The mortgage was originally a second lien held by XXXX XXXX XXXX ( formally XXXX XXXX XXXX ). In XXXX XXXX

Product:
 the XXXX mortgage was modified by XXXX XXXX Bank and we were told that the XXXX lien had been extinguished. We have been making payments on the XXXX mortgage to XXXX XXXX Bank since XXXX XXXX on a regular basis. Since we did not receive any correspondence in regards to the XXXX lien

Subproduct:
 we were shocked when we received this letter. Upon further research we learned that this XXXX lien had been sold several times over the five year period ( see attached ) and we were not notified at any time of any of these transfers which is in direct violation of 12 U.S. Code 2605 - Servicing of mortgage loans and administration of escrow account - specifically Notice by transferee of loan servicing at time of transfer ( 1 ) Notice requirement Each transferee servicer to whom the servicing of any federally related mortgage loan is assigned


Date_received: Even though a declination letter was never sent from DiTech
Subproduct: re-sending them the same information over and over. Every time my sister would call someone
Complaint_ID: No
Product:
 my mother assumed the streamlined option was off the table. Immediate she inquired about the standard loan modification. We went back and forth with DiTech for months


Date_received: We later discovered DiTech initiate foreclosure proceedings in XXXX of last year
Complaint_ID: No
Product:
 despite the fact my mother was in the middle of the loan modification process. Dual-tracking is not permissible by law

Subproduct:
 yet when my sister asked the DiTech representative why the foreclosure proceedings were not held ; the representative informed her it would n't be. We have documentation sent by DiTech explicitly stating the fact that the foreclosure proceedings would be placed in suspense during the loan modification process. It never was. In addition

Issue:
 even though my mother was able to make the payments ( since probate ended a few weeks before DiTech started foreclosure proceedings )


Date_received: DiTech never had any intention of helping my mother. They delayed repeatedly
Subproduct: when my sister received a mailing from them
Issue: using bulk mail to avoid detecting when the mail was sent out. The document was dated XXXX XXXX
Consumer_narrative: I know how bulk mailing works and was able to determine the letter was actually sent on the XXXX
Complaint_ID: No
Product:
 continuing to ask for information just to stall. My mother 's home has significant equity in it ; this is what they want. Their sinister ways was on display yet again

Subissue:
 XXXX ; within the 30-day time frame to attempt to get something done. This is their way of showing good-faith before attempting to foreclosure on the home. Unfortunately for them


Product: no destination
Subproduct: etc. I did not purchase anything from XXXX XXXX. PayPal Credit denied my fraud claim
Complaint_ID: No
Date_received:
01/28/2016,Credit card,,Billing disputes,,I was charged XXXX on XXXX/XXXX/15. All I have is "" XXXX XXXX '' on the charge -- no ticket #

Issue:
 saying the charge originated from my IP address. It simply did n't. I have filed a police report and have contacted XXXX XXXX to get more information. XXXX needs cooperation from PayPal Credit to determine who used their services


Complaint_ID: Yes
Date_received:
Are they allowed to buy bad credit with intent to post another derogatory information about me? because once MCM BOUGHT it from the XXXX ( XXXX ) XXXX


Product: they threatened me with lawyers and courts and legal action
Complaint_ID: Yes
Date_received:
I called to MCM today and asked why they posted negative information about me on Credit Reports? Because they send me a letter


Product: laughed at me
Subproduct: and said no
Complaint_ID: Yes
Date_received:
People who answer are XXXX or XXXX but they are XXXX citizen and in XXXX so they use XXXX names for comfort to customers. I asked today if they are in XXXX? "" XXXX XXXX '' he said his name was


Complaint_ID: Yes
Date_received:
In this email, please find the escalation and borrower authorization forms. The second attachment is a " resolution letter '' from CMS dated XXXX/XXXX/XXXX

Product:
 which chronicles a recent escalation made by XXXX XXXX. It is important to note that any references I make to the Handbook is referring to the most current MHA Handbook XXXX


Subissue: XXXX. '' It then references MHA Handbook version XXXX as the basis of fact for their denial
Complaint_ID: Yes
Date_received:
The attached response letter from CMS basically concludes that XXXX XXXX was not eligible for any modification options and that the foreclosure sale was going to take place without any intervention. They state that "" it is important to note that similar to HAMP guidelines

Product:
 CMS guidelines also renders a loan ineligible to receive an alternative loan modification after receiving and defaulting under a HAMP Tier II TPP or a permanent HAMP Tier II loan modification under the same circumstances as outlined above. For this reason

Subproduct:
 CMS has declined the borrower 's subsequent requests for mortgage assistance for consideration under all loan modification programs. CMS continues to respectfully decline the borrower 's request to reconsider the loan for another loan modification. Currently

Issue:
 the loan is in an active foreclosure status with a foreclosure sale scheduled to occur on XXXX XXXX

Consumer_narrative:
 even though version XXXX of the Handbook was severely outdated as of the date of their letter ( it was published XXXX XXXX ). XXXX XXXX then filed bankruptcy in a last-ditch effort to save the house. When we called XXXX in XXXX XXXX


Complaint_ID: Yes
Date_received:
Section XXXX of the Handbook ( Streamline HAMP Eligibility ) states that "" a borrower may not receive more than XXXX permanent modifications or default on more than XXXX TPPs ( or a combination of both ) with respect to the same loan under HAMP. '' XXXX XXXX has not received any permanent loan modifications under HAMP

Product:
 and only received XXXX TPP under HAMP. He further meets all basic criteria for HAMP eligibility as outlined in section XXXX


Date_received: CMS did not follow the guidelines set forth in the current Handbook
Issue: and use reasonable efforts to obtain all third party consents and waivers that are required
Subissue: by contract or law
Complaint_ID: Yes
Product:
 nor did they access any of the published supplemental directives that were available from XXXX to present. They further did not comply with any of their other obligations as outlined in their XXXX agreement with the treasury

Subproduct:
 which states that servicer a should "" use reasonable efforts to remove all prohibitions to its authority


Date_received: XXXX I googled XXXX http : XXXX " This is a SCAM - it is NOT Bank Of America
Product: I called them
Issue: you 'll be connected ... with the same guy
Subissue: every time
Consumer_narrative: running a SCAM - I reported him
Complaint_ID: Yes
Subproduct:
 my cards and accounts are fine - the guy currently operating from that number refers to himself as "" XXXX XXXX '' from "" The Bank of America XXXX and when you call back you get the "" Thanks for calling FIA Card Services '' Hold message ... then


Date_received: XXXX Another call
Complaint_ID: Yes
Product:
 this time I tell them if BOA if they have anything they want to discuss to send certified mail. They say they 've tried ( which was a lie ) I push the operator farther and she says that they ca n't do certified mail


Date_received: 02/23/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
Company_public_response: which is a part of the Real Estate Settlement Procedures Act
Complaint_ID: Yes
Consumer_narrative:
R.E.S.P.A. QUALIFIED WRITTEN REQUEST Dear Sir or Madam : Please treat this letter as a " qualified written request '' under the Federal Servicer Act


Date_received: Specifically
Product: we are disputing a ) the identity of a true secured lender/creditor
Subproduct: and b ) the existence of debt
Complaint_ID: Yes
Issue:
 and c ) your authority and capacity to collect on behalf of the alleged lender/creditor. Because of extensive criminal activity and fraud in this arena

Subissue:
 we require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. Further


Complaint_ID: Yes
Date_received:
Pursuant to "" Subtitle E Mortgage Servicing '' of the "" DoddFrank '' Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 )


Complaint_ID: Yes
Date_received:
You should be advised that within FIVE ( 5 ) DAYS you must send us a letter stating that you received this letter. After that time you have THIRTY ( 30 ) DAYS to fully respond as per the time frame mandated by Congress


Product: Inc."
Subproduct: FL
Issue: 321XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 02/23/2016
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,SunTrust Banks


Complaint_ID: Yes
Date_received:
The documents were sent to us and the cover sheet says important to have documents back by XXXX XXXX XXXX we used XXXX to track and they were confirmed back at bank of america on XXXX XXXX XXXX we waited and aprox a week later new documents came to us that said you must re do the loan mod documents as the notary is not correct. we went again had notarized and returned by XXXX on XXXX XXXX before the due date XXXX we did not hear back and then we started to call we spoke with nice woman XXXX daily at bank of america XXXX she stated, recorded. " this happens all the time bank of america is very particular. she sent a new set of documents. they did not come. we called spoke to XXXX our single point contact he sent XXXX more packages. on XXXX XXXX XXXX we received XXXX LOAN MOD PACKAGES all at once at large mailbox we direct all large packages to go to

Product:
 our regular mailing address. nothing was received at any other address. we immediately noticed that the cover sheet said docs back to them bank of america by XXXX XXXX

Subproduct:
 so this would be impossible. as it was now the XXXX of XXXX XXXX we went to branch of bank of america this time and spoke to asst to mgr XXXX his name XXXX


Date_received: 02/08/2016,Money transfers,Domestic (US) money transfer,Fraud or scam,,Replied to ad on XXXX
Product: was rental home from my home town in XXXX SC
Subproduct: I wanted to rent it for my Daughter and grandson
Subissue: Arkansas zip XXXX
Consumer_narrative: his personal assistant
Company_public_response: I did this
Company: then he said his attorney said he had to get all of it before sending keys
Complaint_ID: Yes
Issue:
 was asked by Email and Text by XXXX XXXX XXXX to send half the Deposit and XXXX Months rent to XXXX XXXX in XXXX


Date_received: 01/28/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Application, originator, mortgage broker
Complaint_ID: Yes
Consumer_narrative:
Carrington Resolution Services ( CM ), currently claims to service an unsecured debt which was illegally originated by XXXX XXXX XXXX ( XXXX ), in XX/XX/XXXX after short sale of my property. Prior to short sale, I was told that the remaining balance outside of the short sale proceeds would be charged off in the amount of {$45000.00} and that I would be responsible for paying taxes via Form XXXX.To my surprise, at the time of closing for my short sale in XX/XX/XXXX, everything changed at the last minute. I was coerced into signing an unsecured promissory note in the amount of {$60000.00}, or my entire short sale would be irradiated causing me further financial harm. I was in a XXXX state of mind at the time of the transaction and was unable to afford proper representation, in order to protect my interests. However, I 'm now concerned about the multiple issues surrounding the net tangible benefit, deception and creditor abuse that I 've suffered as a result of origination of this unsecured mortgage debt.For starters my original loan from XX/XX/XXXX with XXXX ( XXXX ) is believed to have been a predatory loan, which is where this unsecured debt in question derives from. In fact, I 'm positive that my appraisal report from my XX/XX/XXXX transaction with XXXX, was padded in order to satisfy underwriting guidelines to qualify me for the original loan. I have addressed these concerns with XXXX, prior to filing for short sale back in XX/XX/XXXX. All of my request to investigate fell on deaf ears and ultimately I was forced to short sale the home after long, unsuccessful and endless attempts at modifying the loan with XXXX. XXXX, acquisitioned XXXX in XX/XX/XXXX and is known as XXXX of the worst deals in the financial services industry to date. XXXX, a subprime giant, was collapsed primarily due to its responsibility of originating loans which ignored basic underwriting guidelines. XXXX, is legally responsible for all XXXX, wrong doing and abuse, as well as they have been forced to settle more than XXXX dollars in legal fees and restitution behind XXXX 's illegal origination tactics.XXXX, and these practices embody the very definition of predatory lending at its worst ; from indulging in appraisal fraud, falsifying income, ignoring basic underwriting guidelines as well as an array of violations to The Real Estate Settlement Procedures Act ( RESPA ). Per the Fair Debt Collection Act ( FDCPA ), both XXXX and XXXX are required to provide all information to prove up the validity of the debt. There has been no evidence been provided by XXXX, XXXX ( XXXX ) nor CM surrounding the above mentioned loans origination, chain of title and all custodial servicing assignments are unclear.Due to the XXXX, XXXX and CM, failed response to my issues, I 'm now considering raising this matter in District Court as I feel it may be the proper venue for action under 28 U.S.C. Section 1391, because one or more of the Defendants maintains executive offices in or conducts business in the district relevant to where real estate is located in this concern.The interagency Statement on Subprime Mortgage Lending enumerates certain tactics that XXXX indicate predatory lending. Nonprofit groups have also published widely accepted guidance on these kinds of practices that may constitute predatory lending. Predatory loans typically combine risky loan features, thereby placing the borrower at an excessive risk of default or foreclosure.For purposes of this Complaint, " Combined-Risk Loans '' are loans that meet the definition of high-cost loan under HMDA. HMDA


Product: though I sent it 4 times via fax and via email. First they did n't receive it
Subproduct: then they only got my Tax papers
Issue: the following time they did not have it again
Subissue: next they needed a signature on my taxes
Complaint_ID: Yes
Date_received:
I STATED " I AM BEING PROACTIVE HERE ; I 'M TRYING TO PREVENT DEFAULTING AND I NEED YOUR HELP BEFORE XXXX 2015 ; YOU ARE TAKING TOO LONG TO WORK ON THIS AND COMES XX/XX/XXXX IT WOULD BE TOO LATE FOR ME. I WANT TO PREVENT GETTING TO THAT POINT '' 1- They kept telling me that my payment did not arrive


Date_received: PLEASE KEEP IN MIND : 1- When I got the house it was {$370.00}
Product: after making big payments for a few years
Subproduct: the prices dropped. My interest rate was going to be higher
Issue: so I did a modification at that time my mortgage had been sold a few times to different banks
Complaint_ID: Yes
Subissue:
 and I was making my payments to XXXX XXXX. After the modification negotiated with XXXX my monthly payment went down to about {$1.00} a month because the interest rate was re-negotiated to 2.5 % or so ... ... .However

Consumer_narrative:
 I did not realized at the time that with the MODIFICATION THE TOTAL HOUSE BILL JUMPED FROM {$370.00} TO {$440.00}. The I WAS SET UP FOR IMMEDIATE FAILURE ; THOUGH


Date_received: 4-FAILING TO HELP ME PREVENT DEFAULTING ON MY PAYMENTS
Complaint_ID: Yes
Product:
 WHEN I HAVE VEEN PROACTIVE AND HAVE TRIED TO SPEAK WITH THE BANK AND RE-NEGOCIATE MY LOAN 5- FAILING TO ACKNOWLEDGE THE FACT THAT I HAVE BEEN MAKING FOR THIS HOUSE FOR OVER 10 YEARS


Date_received: 01/29/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company_public_response: XXXX
Complaint_ID: Yes
Consumer_narrative:
I contacted Experian credit reporting agency regarding a debt that was on my credit report maintained by them for XXXX for {$850.00}. I sent them information submitted by the initial 3rd Party Debt collector attempting to collect the debt to show them that the new debt collector ( XXXX ) had fraudulently represented the debt. On XXXX XXXX, XXXX, I received a form letter updating me of the debt from Experian for report number XXXX informing me that they did not have enough information to, and I quote, " ... to make the changes or deletions you requested. '' I provided them copies of the original 3rd party debt collectors ( XXXX ) attempt to collect the debt along with the documentation submitted by the original 3rd party debt collector to establish timing for the initial delinquency of the fraudulent debt that conflicted with the current 3rd party debt collectors ( XXXX ) account of the debt by several months. I also provided them with information regarding identity theft as well as informed them that I have and an active fraud alert on my account with them since XXXX which should have been current and in effect at the time the fraud with XXXX XXXX XXXX occurred. After Expeirans ' "" further investigation '' on XXXX XXXX

Company:
 they sent me another updated report that stated "" The Credit Grantor Requests That You Contact Them Directly '' and provides me with XXXX information. In addition

State:
 they deleted the original creditors entry ( XXXX ) on my credit file but kept the 3rd Party Debt Collectors entry ( XXXX ). This is further proof they did not do adequately follow up on my request for validation of the debt as it makes absolutely no sense you remove the original creditor but keep the debt collectors information. Also

ZIP_code:
 if I am to contact the "" credit grantor '' why are they referring to Diversified Consultants and not XXXX


Product: when I disputed this issue with XXXX
Subissue: even though it was an open line of credit. However
Consumer_narrative: once that credit line went delinquent Experian immediately added it to my credit profile. Lastly
Company: Experian
Complaint_ID: Yes
Date_received:
My concern is that Experian allowed a negative entry onto my credit profile that they manage without verifying/validating the authenticity of the item in advance. They then try to cover their error by deleting the information for the original creditor and keeping only the 3rd Party Debt Collector. In addition

Subproduct:
 they verified my claim of fraud and removed the item but Experian claims the debt is not fraudulent but failed to provide evidence contrary to my claims. To make matters worse

Issue:
 I have an active fraud alert with Experian as well as XXXX and XXXX but Experian never once contacted me about this debt as there was no addition of the XXXX credit entry in my credit profile before it went delinquent

Company_public_response:
 I sent them documented proof of the second 3rd party debt collectors ( XXXX ) attempt to back date or reset the fraudulent debt within my credit profile and they


Complaint_ID: Yes
Date_received:
The FHA case number to the loan is : XXXX. It is my understanding that as her heir, daughter, I am entitled to purchase the property for 95 % of market value as stated in her closing papers from " XXXX XXXX XXXX '' and the paper work that was delivered to my dead mother 's mailbox dated XXXX XXXX


Complaint_ID: Yes
Date_received:
A condolence letter dated XXXX/XXXX/XXXX was delivered to my dead mother 's mailbox via US mail even though RMS knew she was dead and I was listed as the contact person for my mother 's RMS account. Every year

Product:
 mom had to sign a paper stating she was still living in her house ( occupancy ) and clearly state who to contact if RMS needed to do so. That was my first red flag with this company - many


Date_received: I called RMS general customer service number only after leaving several messages with XXXX XXXX
Product: my POC who was suppose to guide me through the process. I only talked to XXXX 's voice mail
Subproduct: never to her in person. Her VM stated she would return calls within 48 hrs. Well
Issue: that NEVER happened!! I have yet to talk to XXXX. Plus
Complaint_ID: Yes
Subissue:
 the extension to the telephone number listed on the paperwork never did work!! Any time I attempted to call XXXX


Complaint_ID: Yes
Date_received:
I was told by RMS customer service to state my intentions of what I want to do with the house. I clearly marked the box that stated the 95 % pay off option ( which was explained to me by RMS that meant current market value ) and Faxed the letter back. I kept the cover sheet from the Fax transaction clearly stating the Fax was indeed sent and received correctly. Additionally


Date_received: RMS has illegally accelerated foreclosure proceedings on the property. According to HUD guidelines
Complaint_ID: Yes
Product:
 I had 9 months before that was to begin. RMS has made a complete mess out of this seemingly easy transaction and with no legal oversight by state and federal regulators


Date_received: 02/11/2016
Product: Debt collection
Subproduct: Non-federal student loan
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company_public_response: every hour since XXXX ). The problem is there is no way to stop the automated calls
Complaint_ID: Yes
Consumer_narrative:
I am a co-borrower on a student loan through Sallie Mae. I find their collection tactics deplorable. My son is a month behind in payments and their " automated '' system calls more than 3 times a day ( just received the 5th call today


Complaint_ID: Yes
Date_received:
1. Call is a recording with a specific person asking you to return their call. There is no person on the line


Date_received: 2. You call them and ask for the person who was in the message
Product: as requested
Complaint_ID: Yes
Subproduct:
 but you do n't get that person and there seems to be confusion on their end. Since I 'm a co-signer


Date_received: 01/29/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Settlement process and costs
Complaint_ID: Yes
Consumer_narrative:
Today I received a letter from Wells Fargo Stating that our house is not qualified for FHA Mortgage Insurance Removal. I contacted wells several and explain the FHA rules in regulation regarding FHA Mortgage Insurance Removal, according to Wells Fargo agent ( XXXX ) he said were not qualified of removing our FHA Mortgage Insurance, According to their letter dated XXXX XXXX, 2016 " The mortgage insurance will expire is based on the original amortization schedule at the time of closing. According to that schedule

Company_public_response:
 your mortgage expiration date is XXXX ( i ca n't find in the our contract ). You must also meet the 78 percent LTV ( loan to value ) requirement. Your mortgage will reach 78 percent LTV when principal balance reaches {$490000.00}. Your current principal is {$540000.00}. Please note that new appraisal will not be taken into consideration ''. The last paragraph stated "" Please note the new appraisal will not be taken into consideration

Company:
 this wrong statement. According to Federal Housing administration "" one of the requirement can remove the FHA mortgage insurance based on new appraisal of the property ''. Now the value of our house is approximately {$10000.00} ( XXXX XXXX and XXXX XXXX thousands ). According to Wells Fargo we are not qualified to remove the FHA mortgage insurance and the appraisal will not be taken into consideration. Wells Fargo is wrong. I have the documents that I can prove that wells fargo doing is wrong


Complaint_ID: Yes
Date_received:
01/29/2016,Credit reporting,,Incorrect information on credit report,Account status,To whom it may concern

Product:
 My wife and I owned a condo that was foreclosed on. The deed was taken over in XXXX of XXXX. The property/deed sold to a new party on XXXX XXXX


Complaint_ID: Yes
Date_received:
Our correspondence from the credit unions Senior Recovery Specialist was as follows : Based on this investigation

Product:
 ( Credit Union ) response is that the information you have disputed is both true and correct according to all available documentation. As such


Product: Inc"
Subproduct: NY
Issue: 11730
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 02/08/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
02/08/2016,Mortgage,Conventional fixed mortgage,Credit decision / Underwriting,,,Company believes it acted appropriately as authorized by contract or law,Select Portfolio Servicing


Date_received: 02/03/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Complaint_ID: Yes
Consumer_narrative:
Submitted a fraud dispute. Company called and said they were denying my fraud dispute after the representative said " let me look at which fraud dispute we are talking about. '' First reason


Product: everything else about the old and new loans are the same. Same amount
Subproduct: interest
Issue: payment plan
Subissue: status in the XXXX XXXX
Consumer_narrative: etc. Only this time
Company_public_response: Sunbelt Credit ( XXXX XXXX XXXX XXXX XXXX
Company: XXXX
State: TX XXXX ) denied me credit
Submitted_via: even if the service member can afford the loan? I 'm not XXXX XXXX
Date_sent_to_company: I 'm not on XXXX XXXX orders
Company_response: but because I 'm affiliated with the XXXX XXXX
Complaint_ID: Yes
Date_received:
02/03/2016,Consumer Loan,Installment loan,Shopping for a loan or lease,,I am XXXX in the Texas XXXX XXXX and not on XXXX XXXX orders but I do actively XXXX every month. I took out an installment loan from Sunbelt Credit for about {$1000.00} in XXXX XXXX. I paid my loan off early in XXXX XXXX. I just called to apply for a new loan. With the exception of my promotion XXXX and the dates of XXXX loan applications

ZIP_code:
 stating they no longer allow military to receive loans because of the new Military Lending Act. How is it that an Act meant to protect service members from outrageous interest rates is actually preventing service members from getting loans

Timely_response:
 I feel I 'm being discriminated against due to my service in the military. What are my rights? If Sunbelt Credit violated my rights


Date_received: 02/08/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Personal information
Complaint_ID: Yes
Consumer_narrative:
Equifax has repeatedly sent me purported statements to " confirm '' my address change. I have submitted no address change since updating my address to XXXX XXXX XXXX XXXX XXXX ... It appears that Equifax changes my address at their own discretionary whim

Company_public_response:
 with absolutely no verifiable reason and against credit reporting and accuracy standards. The frequent unauthorized changes of my address can possibly communicate fraud to my creditors

Company:
 current and/or prospective. This is ridiculous. At one point they even changed my address to a Kentucky address. The letter was actually stated in a manner

State:
 "" confirming my request to update my address. '' When I asked for said letter that I purportedly sent to change my address to said Kentucky address


Date_received: 01/29/2016,Mortgage,Conventional fixed mortgage,Loan servicing
Product: payments
Subproduct: escrow account"
Company: I called Freedom and a representative said the payment had been received. On XXXX
State: I received a letter from Freedom ( dated XXXX )
Submitted_via: I logged in to my bank account online
Company_response: but also a successful transaction for the replacement check. On the same day
Subissue:
On XXXX/XXXX/2015 I received a letter that my mortgage was transferred from XXXX XXXX to Freedom Mortgage. At that time however, I had already sent the payment ( to XXXX ) on XXXX via USPS mail. On XXXX, I noticed that the check had not been processed yet. On XXXX, I called XXXX Mortgage, and they mentioned that they had not received the payment yet and the representative recommended me to ask my bank for a " replacement check ''. On XXXX

Consumer_narrative:
 I received a letter from XXXX Mortgage confirming that the payment had not been received yet. On XXXX

Company_public_response:
 I went to my bank and the manager suggested me to put a "" stop payment '' on the original check and issue another one to XXXX. On XXXX

ZIP_code:
 stating that a fee of {$30.00} would be assessed to my account due to insufficient funds ( "" NSF '' ). On XXXX

Date_sent_to_company:
 and verified that there was a "" stop payment '' transaction for the same value of the original check

Timely_response:
 I called Freedom inquiring about the {$30.00} fee. The representative verified that they had received all due payments and my account had no balance. Nonetheless

Consumer_disputed:
 their computer system showed a "" NSF '' ( Insufficient Funds ) transaction. I told him that the "" NSF '' was in reality a "" Stop Payment '' transaction and explained the whole situation. We conference called a representative from my bank. She could identify the "" Stop Payment '' transaction online

Complaint_ID:
 but was not able to find any "" NSF '' transaction on my account. Unfortunately she could n't find an electronic copy of the "" Stop Payment '' document


Date_received: On XXXX
Product:
 I went back to the bank branch and explained the situation to them. They performed an in-depth analysis of my account and confirmed that my balance was never below the amount to cover ( by a large margin ) the value of my mortgage. They also confirmed that there was no way to possibly justify an NSF transaction

Subproduct:
 and that their records showed that the transaction was returned because of a "" Stop Payment '' order. They printed and signed all documents supporting the case and I sent this documentation to Freedom Mortgage

Complaint_ID:
 but was not able to find any "" NSF '' transaction on my account. Unfortunately she could n't find an electronic copy of the "" Stop Payment '' document


Date_received: 02/08/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Personal information
Complaint_ID: Yes
Consumer_narrative:
TransUnion has repeatedly sent me purported statements to " confirm '' my address change. I have submitted no address change since updating my address to XXXX XXXX XXXX XXXX # XXXX ... It appears that TransUnion changes my address at their own discretionary whim

Company_public_response:
 with absolutely no verifiable reason and against credit reporting and accuracy standards. The frequent unauthorized changes of my address can possibly communicate fraud to my creditors

Company:
 current and/or prospective. This is ridiculous. At one point they even changed my address to a Kentucky address. The letter was actually stated in a manner

State:
 "" confirming my request to update my address. '' When I asked for said letter that I purportedly sent to change my address to said Kentucky address


Date_received: 02/03/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: as I did in the past
Complaint_ID: Yes
Consumer_narrative:
I currently have my mortgage with Ocwen. I have requested via telephone numerous times a monthly billing statement, to date I have not received that. This has been going on for almost two years. I get the same response " We will mail it to you ''. As stated

Company_public_response:
 it has been almost two years and I have not received anything. I would like to receive monthly statements


Complaint_ID: Yes
Date_received:
02/03/2016,Credit reporting,,Incorrect information on credit report,Reinserted previously deleted info,i have XXXX items on my credit report that has been reinserted

Product:
 seen i ve pulled my reports on equifax i did n't recall seeing the XXXX collection accounts on my credit in over a year


Date_received: 02/11/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company: LLC. "" ; XXXX. XXXX XXXX ; XXXX
ZIP_code: XXXX
Submitted_via: XXXX
Company_response: their company 's rude telephone operator just told me "" ... just pay the $ XXXX
Complaint_ID: Yes
Consumer_narrative:
Today I received in the U.S. Mail a letter dated " XXXX/XXXX/XXXX '' from "" XXXX '' with a copy of my "" XXXX '' credit report. Under the "" Adverse Account '' section

Company_public_response:
 there is only 1 false/Identity Theft listing. It is from a debt collection agency called "" Enhanced Recovery Company 

State:
 FL ; XXXX ; ( XXXX ) XXXX. It claims that I owe "" XXXX XXXX. $ XXXX. '' I have NEVER used "" XXXX '' I 've had "" XXXX '' for the last 22 consecutive years. I am a victim of Identity Theft. And this is the exact same company that unlawfully posted the exact same adverse information on all XXXX of the major credit bureaus ( i.e.

Date_sent_to_company:
 & XXXX ) around XXXX of XXXX before being ordered by the same XXXX credit bureaus to "" Delete '' this intentional false/Identity Theft "" XXXX '' debt scam that this company has been allegedly running. When I called their toll free phone number


Product: including the failure to communicate that a disputed debt is disputed. '' As a matter of fact
Complaint_ID: Yes
Date_received:
Then, XXXX XXXX recommended I speak directly to XXXX . XXXX in her office. During my face-to-face conversation with XXXX . XXXX I specifically requested she provide a copy of : 1 ) official written notification such as a letter or memorandum addressed to me at the forwarding address listed on the final account screen printout, dated XXXX/XXXX/XXXX informing me about an unpaid balance and 2 ) envelope addressed to me at the forwarding address listed on the final account screen printout, dated XXXX/XXXX/XXXX that was returned to XXXX XXXX as proof to show she ( XXXX . XXXX ) attempted to notify me of an outstanding balance. XXXX . XXXX initially informed me all the documents in my file were sent to Professional Debt Management , Inc. during our face-to-face conversation. Then, when I inquired about the location of my file XXXX . XXXX informed me the entire file contained all the documents and they were sent to XXXX XXXX XXXX XXXX XXXX To the contrary, during my phone conversation with XXXX XXXX XXXX same day at XXXX pm ( EST ) he indicated that he did not have a copy of the returned envelope or written notification from XXXX XXXX prior to him contacting me on XXXX XXXX followed by the enclosed correspondence, dated XXXX XXXX, XXXX. As a matter of fact, prior to hanging up the phone XXXX XXXX informed me he must obtain the requested information from XXXX XXXX. During XXXX XXXX ' initial phone call to me on XXXX XXXX, XXXX at XXXX ( EST ) in an attempt to coerce me into paying the alleged amount due he intentionally violated the Fair Debt Collection Practices Act ( FDCPA ), Section 807 ( 8 ) by " communicating and threatening to communicate to any person [ false ] credit information

Subproduct:
 on XXXX XXXX during our telephonic conversation in response to my verbal request for XXXX XXXX to provide a written notification concerning the nature of his call he said words to the effect


Product: Inc."
Subproduct: MD
Issue: 21208
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 02/08/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
02/08/2016,Debt collection,I do not know,Cont'd attempts collect debt not owed,Debt resulted from identity theft,,,ResidentCollect


Subproduct: once again
Issue: to notify them of this error. I am angered that this error and
Subissue: more importantly
Complaint_ID: Yes
Date_received:
Today, I received a letter dated XXXX XXXX, 2016 from Capital One stating that they AGAIN WRONGLY updated the account as " deceased

Product:
 '' and that they notified the other credit reporting agencies of the same information. I immediately called them


Product: Servicemember"
Subproduct: N/A
Issue: Phone
Subissue: 02/01/2016
Consumer_narrative: Closed with explanation
Company_public_response: Yes
Company: No
Complaint_ID: Yes
Date_received:
01/29/2016,Bank account or service,Checking account,Problems caused by my funds being low,,,,The Huntington National Bank,OH,43064,Older American


Date_received: 02/12/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company_public_response: with concern for fraud/scamming
Complaint_ID: Yes
Consumer_narrative:
I have been experiencing extensive issues with Chase Auto Finance ( XXXX XXXX XXXX XXXX KY XXXX ) approximately since XXXX XXXX. Daily, repeated, telephone calls to my personal cell phone escalated into calls to my work phone. After 3-4 phone calls to my employment phone, I demanded Chase Auto Finance never contact via my work phone. Chase Auto Finance has complied with this request ; However, their over-aggressive collection tactics ( that of which stems from one ( 1 ) unsuccessful monthly payment ) have developed into an atrociously diseased business practice. On XXXX/XXXX/XXXX I telephoned Chase Auto Finance to make a {$360.00} payment on the balance due of {$720.00} via debit card. The representative I was speaking with questioned why I was not paying the balance in full. I responded by stating the funds were not available, I would settle the balance due upon receipt of my Federal Tax Return, and that information was not of her concern. She then inquired on the date of when I would receive the tax return, and if it would be direct deposited. I informed her this was " none of her business '' and

Company:
 refused to provide an approximation of the date of tax return funds. The representative responded aggressively

State:
 claiming no payment would be accepted unless it was the full balance due. I explained to her this was untrue as I have made partial payments on prior occasions. The representative became argumentative and at that time my demeanor changed and I demanded she accept my payment towards the total debt owed. The representative then stated that my proposed payment would be accepted if paid by giving her my bank account information. I refused to provide this information and restated I would pay by debit card. At that time she claimed a debit card could not be processed for this transaction. Arguing ensued

ZIP_code:
 with talk of repossession of the vehicle by both myself and the Chase Auto Finance agent. The agent claimed that Chase Auto has the right to repossess a vehicle at anytime. I became agitated and ordered her to accept a debit card payment or to forward my call to a manager/supervisor. The supervisor was polite and non-argumentative but did attempt to coerce information about the approximate date of my Federal IRS Tax Return. 6 days ( on XXXX/XXXX/XXXX ) after this incident and successful payment of {$360.00} to Chase Auto Finance

Submitted_via:
 I received multiple phone calls from phone # ( XXXX ) XXXX. I returned the call only to discover it connected directly to Chase Auto Finance. To my knowledge


