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Company chooses not to provide a public response | I was offered a pre-paid card from Continental financial, but was not interested in their services. They made an inquiry into my credit which has negatively affected my credit. They will not remove the inquiry and it has negatively impacted my credit.
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Company believes it acted appropriately as authorized by contract or law | Navy federal credit union is attempting to contact not just me but finding ways to contact my family after I have asked them not to contact me after XXXX as I am at work. They have taken it to the point of contacting not just me but my wife 's XXXX father, my grandparents, and my father after I have provided them no phone numbers but my own and stated do not call any numbers but mine
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Company believes it acted appropriately as authorized by contract or law | Statebridge company LLC this mortgage company do not cooperate with anybody or anyone.
After I fell in foreclose I did everything to try to save my home. Every where I went to do the harp program I did qualify for this program. But statebridge say differently. After reviewing all my income for this qualification which I got a proof. Statebridge still say no. So I did what anybody will do. Get it for short sale. They still gave short sale center an hard time for there cooperation. They refuse to help the short sale center for any information that they made need. Please help me Because I have a sale date for XXXX XXXX, 2015. I want to same my home and making the suitable mortgage payment. Thank you ....
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Company believes it acted appropriately as authorized by contract or law | Incessant phone calls are coming in to cellphone number XXXX from General Service Bureau ( GSB ) out of XXXX Nebraska. Phone calls to a 'cellphone ' is a violation of the Telephone Consumer Protection Act ( " TCPA '' ) 47 U.S.C. Section 227 ( a ) ( 1 ) based on the fact that under the TCPA it shall be unlawful for any person or entity to make any call ( other than an emergency ) or prior expressed ( written ) consent of the called party, using any automatic telephone dialing system or artificial or pre-recorded voice. Consumer has NOT given ( written or verbal ) permission for entity to call consumer. If after the agency is notified that consumer does not wish to receive calls and the agency continues to do so the agency can be sanctioned in the amount of {$500.00} dollars to {$1500.00} dollars per each violation there after. Consumer is making this report with your agency as consumer wishes all phone calls to 'CEASE ' immediately!!!!
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Company believes it acted appropriately as authorized by contract or law | I APPLIED FOR A MORTGAGE LOAN IN XXXX WITH PRIME LENDING AND RECEIVED MY PRE-APPOVAL LETTER FOR {$250.00}, XXXX. I FOUND A PROPERTY AND I OPENED ESCROW ON XXXX XXXX, 2015. I FURNISHED MY LOAN OFFICER WITH ALL PERTINENT DOCS NEEDED TO CLOSE ESCROW. HE DECIDED HE WOULD USE MY JOB AND XXXX MONEY TO QUALIFY WITH ME FOR THE HOUSE. I TOLD HIM THAT I HAVE A SECOND JOB, XXXX, THAT WOULD BE MORE MONEY AND CONSIDERED CONSISTENT RATHER THAN MY XXXX. HE REPLIED BY SAYING THAT THE XXXX BECAUSE IT WOULD HOLD MORE WEIGHT THAN MY XXXX JOB. I SAID OKAY BUT DID NOT AGREE WITH THAT DECISION. ESCROW 'S CLOSING DATE WAS TO BE SET FOR XXXX XXXX, 2015. ON FRIDAY, XXXX XXXX, 2015, A XXXX PRIOR TO CLOSING, HE TOLD MY REAL ESTATE AGENT AND ME THAT EVERYTHING WAS GREAT AND THAT UNDERWRITING SAID EVERYTHING LOOKS GREAT AND WE WILL CLOSE ESCROW ON XXXX XXXX, 2015. ON MONDAY, XXXX XXXX, 2015 HE EMAILED MY AGENT AND I STATING THAT IF I DID NOT GIVE MORE INFO ON MY XXXX TO SHOW CONSISTENCY THAT THE DEAL WOULD BE OFF. HE KNEW THAT I GAVE HIM ALL OF THE INFO. I GOT ALL MY PRINTED MATERIALS FROM THE XXXX IN CALIFORNIA WHO ISSUE THE CHECK TO MY ACCOUNT FROM MY EX-HUSBAND 'S XXXX WAGES. HE KNEW ALL THAT INFORMATION AND HE ACCEPTED THAT ABOUT XXXX WEEKS BEFORE THE CLOSE OF ESCROW. I WAS VERY TRANSPARENT WITH HIM. I WAS SHOCKED TO HEAR THIS. I CALLED HIM AND ASK WHAT IS HAPPENING THIS IS NEW AND HE HAD ALL THE STATEMENTS IN HIS POSSESSION. HE SAID UNDERWRITING SAID THAT. I TOLD HIM THAT IS THE REASON WHY I SUGGESTED USING MY XXXX JOB OR MY XXXX JOB. I EXPLAINED THAT IF MY EX-HUSBAND DID NOT WORK ; I RECEIVE NO MONEY. HE HAS N'T BEEN CONSISTENT. I ASKED HIM TO PLEASE USE MY XXXX JOB. HE SAID OKAY. HE CALLED ME THE NEXT DAY SAYING THAT THEY REWORKED IT SO THE LOAN CAN NOW BE APPROVED. THAT WEDNESDAY, XXXX XXXX, 2015, HE TOLD MY AGENT THAT THE LOAN WAS DENIED. HE DID NOT INFORM ME. I HEARD IT FROM MY AGENT. HE FORWARDED MY AGENT THE INFORMATION AND THEN IN A LATER CONVERSATION, MY AGENT FORWARDED ME THE MESSAGE. WHAT A MESS. IN A SCRAMBLE, MY AGENT SOUGHT A XXXX OPINION AND ASKED ME TO SEND ALL MY INFORMATION TO A XXXX LOAN OFFICER. I ASKED FOR MY COMPLETE DOCUMENTS FROM PRIME LENDING AND IT TOOK THEM FOREVER TO GRANT ME THAT REQUEST. THE NEW LOAN OFFICER TRIED SO HARD BY EVEN GOING UP TO HIS CEO BUT HE SAID PRIMELENDING HAD ALREADY FLAGGED ME AND HE COULD NOT DO IT WHICH WAS A SHAME. HE STATED IF I HAD GIVEN HIM THE LOAN PAPERS FIRST, THAT HE WOULD HAVE GOTTEN THE LOAN FOR ME BUT NOW IT IS TOO LATE. WITH THIS DECISION, I LOST THE HOUSE AND MY EARNEST MONEY. PRESENTLY, I HAVE NO WHERE TO LIVE BECAUSE I GAVE UP MY RENTAL AND NOW THE LANDLORD HAS A NEW TENANT. MY FAMILY AND I WILL HAVE TO LEAVE BY THE END OF THE MONTH. THIS TRANSACTION WAS SUCH A DISASTER AND THERE WAS SO MANY UNPROFESSIONAL MOMENTS. I AM SO DEVASTATED.
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Company chooses not to provide a public response | Phone call was received, the medical debt collection agency identified themself as a law firm. No statement regarding this debt has been received and when asked for information he said he would forward it to the attorney. He continued to say this when asked for more information regarding this debt. And he said this XXXX times. He spoke to a spouse regarding this debt, which without prior authorization from me, the patient, I feel is a violation of XXXX. The caller was hostile, threatening and vague. When explained that there was no difficulty in paying the debt once we had received verification of their company, he continued to refuse to agree to send us any information in writing regarding this debt.
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Company chooses not to provide a public response | I have been called numerous times in the past couple months. Each time I say yes I want to take care of any outstanding debts but I would like more information on who is contacting me. They just say they are working with the collection agency. Now I am being contacting by a XXXX XXXX and she said I have XXXX and I am going to be summoned at work or at home for fraud and breaking a contract. She gave me a case number. I called the court house in my county and I do not have any charges against me and that the court house does not issue a case # with out having it in the system. The courts said it is a scam
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Company believes the complaint is the result of a misunderstanding | I was contacted by this collector ( not the original lending company ) stating that I owed money to the original lender. I asked for more information on the matter, including a letter in the mail and was informed that the original lender had already sent XXXX letters since 2011 and that 's all they are required to do. They stated that the original lender would take legal action if I did not take care of this matter today. I told them I was unable to setup any sort of payment without more information on this loan. I have tried looking everywhere and ca n't find anything on the original company so I have nowhere to contact. The man gave me until XXXX today and I did call back before yet got his voicemail. This entire thing sounds XXXX and I do n't know all the laws of this type of situation but I did n't think what he was claiming ( the time-table ) was correct or lawful.
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Company chooses not to provide a public response | my credit card debt of {$830.00} was sent to XXXX XXXX XXXX. After constant harassment in the form of multiple phones calls at odd hours of the day, they offered me a settlement deal of {$410.00} and was told to secured the deal by giving them my bank account number so they can do a direct draft of $ XXXX monthly. I agreed to the settlement but rather opted to pay them with a cheque and also promised to pay the rest of the settlement as soon as my income tax refund is received.
I made the first {$50.00} payment and immediately they received the cheque they turned around and told me the amount will go towards the balance of {$830.00} and then they can not offer me the settlement. I therefore feel that they have breeched the agreement they had with me and also taken my money.
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Company chooses not to provide a public response | [ Summary ] 1. My property tax deposit on escrow account statement is incorrect ( 30 % more ). I submitted all required documents to request the correction but no response was received and no correction action was taken.
2. My property tax due on XX/XX/XXXX was not disbursed from my escrow account. I had to pay property tax plus penalty myself to avoid adverse actions from local authority.
3. I requested a cancellation of my escrow account and was denied by the mortgage service company by terms that were never disclosed to me.
[ Detail ] I refinanced my property in XX/XX/XXXX. I realized the property tax deposit amount in my escrow account statement was incorrect ( $ XXXX/month in the statement, $ XXXX/month from city 's property tax assessment ).
I contacted the mortgage service company XX/XX/XXXX and was advised that I need to submit a written letter together with city 's property tax assessment to correct this issue. I followed the instruction and faxed all documents to the number provided by the customer service representative over the phone. Despite I followed all requirements, I never received a response or correction since then. I believe that this is a clear violation of U.S. code 2605 ( e ) ( 1 ) " Notice of receipt of inquiry '' and U.S. code 2605 ( e ) ( 2 ) " Action with respect to inquiry ''.
My XXXX property tax payment due was XX/XX/XXXX, there was not payment disbursed from my escrow account. I found out that I was late on the payment on XX/XX/XXXX, to avoid any potential adverse actions from local government, I had to pay the property tax due plus a {$4.00} late payment interest myself. I believe this is a violation of U.S. Code 2605 ( g ) " Administration of escrow accounts ''.
As a result, I contacted my mortgage service company on XX/XX/XXXX to request a cancellation on my escrow account and a refund of escrow account balance. I also stated the recent late payment issue.
I received a letter from the mortgage service company today, the company did not response to my statement regarding the late payment or any remediation. It simply declined my request of cancelling my escrow account because1. The Loan to Value Ratio must be below 80 %.
2. The Loan must have 12 months of good payment history.
3. Taxes and insurance that are due within the next 60 days will not be applicable for an escrow deletion.
4. All XXXX must maintain escrow according to the approved HUD-1 statement signed at closing.
All these terms was never disclosed to me before of after my closing. I agreed to signed up an escrow account during closing despite my Loan to Value Ratio is far less than 80 %, but there was no disclosure of such terms neither did I sign any document to accept these terms. I believe the mortgage service company and title company are obligated to disclose this information if it is against me, which it serves now.
Also by holding my escrow account and imposing a monthly charge without any disbursement, the mortgage service company not only violates U.S. Code 2605 ( g ) but also RESPA cushion limit. The total balance in my escrow account is far more than XXXX annual property tax due.
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Company chooses not to provide a public response | XXXX Transferred my checking account to BB & T. However they did not send my savings account. In the transition they set me up with a new BB & T account login online, but did not provide me with the information or attach my email. The settings on my checking account were not carried over.
XXXX Account : Overdraft protection - Would not allow transactions that would overdraft my account. Would transfer money from savings if an overdraft occurred.
BB & T Account : allowed account to continue to go negative, assessed me {$180.00} in overdraft fees in XXXX dayI was not able to go online to monitor my account, I called XXXX times in XXXX days to get assistance with logging in online and was on hold for over XXXX min each time before having to hang up because I was working ( working XXXX hour days for a project ) Was told debits and credits would be transferred between accounts. However when my company attempted to deposit my check it was rejected. As you can imagine I am not a happy customer of either XXXX or BB & T for being so thoughtless to the customer. I wanted to go close my XXXX account on XXXX before the transfer, since I opened a XXXX XXXX account to use, and to my surprise all of the XXXX branches were closed and I had no way to close it.
I want all of the debits and anything to stop hitting this account. I want for everysingle overdraft fee to be refunded. I want to pay the balance that was actually paid on my behalf and I want this account closed.
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Company chooses not to provide a public response | On XXXX/XXXX/2015 I applied for the Barclay Platinum MasterCard credit card. It was a promotion to transfer a balance with 0 % interest for XXXX billing cycles. I requested a balance transfer of {$10000.00} from another credit card to the new Barclay MasterCard.
I received the new card on XXXX/XXXX/2015 with a credit limit of {$1500.00}. Because it was not the credit limit I was hoping for I did n't activate the card and was thinking about closing the account. On XXXX/XXXX/2015 I received an email that a {$1000.00} payment posted to the credit card that I asked the {$10000.00} to be transferred to. I still had n't activated the new Barclay card yet and was going to cancel it.
I called Barclay customer service and told them that the {$1000.00} was an unauthorized transfer and it happened without my knowledge or consent. They waived the {$30.00} transfer fee but told me that they could n't reverse the charges because it was already paid. I advised them that this was unauthorized transfer and that Barclay did it without authorizing it through me and did the transfer anyway and using an arbitrary amount of their own choosing and an amount other than what I agreed to on the application.
I said that since it was in my mind an unauthorized transaction the responsibility of it falls on them to reverse this transaction and the burden to send them money is not on me. They said no, it could n't be done because it already was processed. I requested the new Barclay MarsterCard account to be closed.
My point is that since my initial credit card balance was only {$1500.00}, which was way less than the {$10000.00} transfer amount that I requested that the transfer was not going to happen. Furthermore, I had not activated the card and was considering if I was going to keep it or not.
It is my view that Barclay acted on their own performing transactions without me knowing about it not verifying with me if these were my wishes. If they would have contacted me and asked if I still wanted to transfer a balance since my initial credit line was way smaller than the transfer amount I requested it would have had a very different outcome.
The Results I am requesting to resolve this complaint:XXXX ) Barclay to immediately reverse the {$1000.00} transfer with no cost to me whatsoever.
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Company can't verify or dispute the facts in the complaint | Calling for someone that does not live with me and never has.
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Company chooses not to provide a public response | Attended XXXX College Success Program resulting in student loans of about 12k beginning in XXXX. Unable to secure meaningful full time employment, loans were in deferment XXXX balance about 15k with XXXX. This repeated until default after American Student Financial (? ) assumed loans without my knowledge. XXXX ACSI ( Automated Collection Services Inc. ) Contacted me. I immediately arranged payments for {$130.00} a month, {$500.00} down initially, for nine months. They refused to do business other than by phone despite a website and multiple mailing address. They sent screen print copies of my payment and their purchase of my debt for about 25k. They are claiming a new balance over $ 32k despite my payments. Repeated requests for itemized billing has been unsuccessful. Tried to resolve through XXXX, XXXX. Have not received any more return correspondence since XXXX closed case as unsatisfactory status.
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Company chooses not to provide a public response | Bank of America issued a Debt Forgiveness letter in XX/XX/XXXX. It was effective XX/XX/XXXX. However, they refuse to show a zero balance and we are unable to achieve there cooperation. They claim they are "processing". Well, the letter said nothing about processing. |
Company believes complaint caused principally by actions of third party outside the control or direction of the company | THIS IS NOT A DUPLICATE. I submitted a complaint against Focus XXXX and XXXX XXXX. I moved into an apartment at XXXX XXXX XXXX on XXXX/XXXX/XXXX ( I have attached the lease validations from the residence management company ). XXXX submitted a collection to Focus showing the XXXX delinquency date as XXXX which was BEFORE I moved in.
They have taken a previous resident 's bill and placed it on my credit bureau as a collection. XXXX said I needed to file a police report and file fraud affidavits. This is not fraud ... it is poor accounting and management.
I filed a complaint against XXXX XXXX and CFPB told me I needed to file against Focus. I have attached my credit report showing the first delinquency of XXXX ... I have attached a letter from the property manager showing I moved in in XXXX.
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Company chooses not to provide a public response | When I logged on to my Macy 's account I paid the balance in full but had made a purchase that did n't reflect on my loan balance at the time of pay-off. I called the creditor and I asked them why did n't I receive a statement or a courtesy call and if they would remove the 30 day late off my account as I 'm in the process of buying a new home. I was told my statements went to an email account that I have n't had in 8 years. I asked what their process was when the statement is rejected by the address and was told nothing. I believe they need to update their system to show all outstanding balances and have a better process to notify their card holders of any returned electronic statements. This is very disappointing news as my mortgage rate will now go from a 4 % to a 4.875, I have since cancelled my credit card with Macy 's.
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Company chooses not to provide a public response | National Commercial Services sent me a letter dated XX/XX/XXXX alleging I owed them approximated {$320.00} and alleged my XXXX. I do not believe my XXXX. I have no evidence to support that and there is court judgment. I responded with a certified letter sent XX/XX/XXXX and received confirmation of receipt on XXXX
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Company chooses not to provide a public response | A IRA account was transferred to Bank of America. A transfer trustee Direct Rollover Request Form was filled out naming his spouse as beneficiary. XXXX XXXX XXXX sent a certified check to Bank of America reading Pay to the order of B of A Cust for husband. Bank of America issued a deposit slip dated XXXX/XXXX/14 for a deposit of {$30000.00} into an IRA account naming Bank of America as Cust for husband. Husband XXXX and wife is attempting to secure the funds. Bank of America claims they did not negotiate the check despite the fact the wife has a copy of the check and the deposit slip. Check was sent to Bank of America in the name of Bank of America cust for husband. Wife can not secure information regarding the check since she is not named on the check. Bank of America was named on the check issued a deposit slip and is asking the wife to jump thru impossible hoops to secure {$30000.00} plus interest that was deposited in Bank of America on XXXX XXXX, 2014.
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Company chooses not to provide a public response | XXXX Associates called me and stated that I owed a bank I no longer have an account with ; they stated that I would be served a summons. I contacted the creditor and they have no record of an outstanding balance owed to them. I informed this business when they called that according to federal law that they are supposed to mail me a letter withing 5 days and included in that letter they are to state that I have 30 days to dispute which is in accordance of the FDCPA.
I further told them that they are no longer allowed to call my home, cell or work until I recieve from them the letter.
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Company chooses not to provide a public response | I was looking for a Mortgage in XXXX of last year. I contacted quicken loans. They pulled my credit and told me at that point that I need to sell my old home to get another mortgage. At that point I was not interested in the loan. I got calls repeatedly and I informed them I am not interested in the loan. They pulled my credit again in XXXX of 2014 without my permission. When I called Quicken loans, I was lied to and said, oh this is a soft pull and does not effect your credit.
I contacted Quicken to get this inquiry pulled. The refuse to remove it stating that I signed a document stating that they can pull my credit whenever they want. I told them that I am no longer interested in the loan and they should not have pulled my credit without asking me.
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Company chooses not to provide a public response | I applied with Quicken Loans to purchase a home in XXXX. Our current residence is XXXX and I am a XXXX, XXXX employed for over XXXX years. We have high credit scores, a low debt to income ratio, and we are paying almost XXXX percent down. The reason for our decline is that Quicken is stating they will not do a loan for a XXXX employed person moving out of XXXX. This is quite a statement coming from a company who markets all over the United States. I can do business in XXXX or any State from any location. Our company has the tools to use the internet to conduct our business without having to meet face to face. My wife and I have been discriminated against based on a XXXX employment income. We have a ten thousand dollar deposit on the house and may very well lose that deposit.
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Company chooses not to provide a public response | I try to look at my credit report online, the system will not let me see my credit report but will let another credit company that i pay to have to see my report, when i go to look at it, the require all this information to send to them like my picture id and socail security number and a copy of my phone bill, they will not let me dispute my information, I have sent them copys of all my information certified mail, still will not let me dispute or look at my credit report, I have to pay another company for them to pull it, give it to them but not me ... Thats crazy, Experian is the only one that iam having a bad time with.
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Company can't verify or dispute the facts in the complaint | My auto finance company ( Westlake ) hired a third party company to come, and reposes my vehicle on XXXX XXXX, 2015. XXXX XXXX, 2015 I paid a total of {$1500.00} in back payments and towing fess plus a XXXX months in advance for the upcoming months. When I went to retrieved my vehicle it had physical and mechanical damaged to it, and was not drivable I then contacted the finance company in regards to my issue. They were very unsupportive of my concerns. In response to the poor customer service I stated to the representative that I was surrender all rights to the vehicle due to a breach in contract, and I would like to be refunded for all towing fee 's alone with the two months in advance of payments. Plus the remainder of the loan debt to be cleared of my name, because the vehicle was no longer of service to me due their negligent. The representative rudely denied my request, and stated to me that I need to contact the towing company which they did n't even provide me with the towing company information. which brought me to you all for some legal advice or help with this matter thanks in advance for time and service.
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Company chooses not to provide a public response | Ally financial charged me a late fee of XXXX for a late amount of XXXX. I contacted Ally via their web site ( which states a XXXX response time to complaints/comments ) twice without any response. I did n't realize I was short on my payment for XXXX As soon as I received a note from Ally - on XXXX/XXXX/15 I scheduled a XXXX payment. How does a bank get to charge 100 % late fee. Today XXXX/XXXX/15 I received another note from Ally saying they are charging me another XXXX plus XXXX. This is crazy. Additionally about 3 months ago I called Ally and requested an audit of my loan because I felt Ally was not crediting my payments correctly. The agent told me Ally does not do that - she absolutely refused and advised Ally has no executive services for handling customer complaints. Please investigate this lender they are terrible.
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Company believes it acted appropriately as authorized by contract or law | some is using my name and social security number applying for cards in my name. I been receiving phone calls from XXXX and all around different states.
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Company believes it acted appropriately as authorized by contract or law | I chose # XXXX because I did n't see an appropriate point under " False statements or representation. '' NATIONAL CREDIT SYSTEMS , INC '' told me I had to pay the debt by giving them my CHECKING ACCOUNT NUMBER in order to " Protect your credit. '' And when I said I was n't giving them my acct number she said " Well, like I told you, giving me your checking account number is THE only way to protect your credit. '' I called within XXXX days and said I wanted a letter statin that if I XXXX they would contact the credit bureaus to say the debt was XXXX, and that I was going to send an official money order for the XXXX payment. AGAIN she said if I did that they could not ensure my credit.
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Company disputes the facts presented in the complaint | I hired a company to deal with Cash Express in XXXX TN but the manager of the store has written me a letter threatening civil action. Their corporate office sends letters like XXXX or XXXX at a time. The company I hired said they have contacted them but they do n't let up. Address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX : ( XXXX ) XXXX This is their corporate headquarters. I am on XXXX and I could no longer afford the outrageous fees they were charging.
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Company chooses not to provide a public response | 1. XXXX is competent to state the matters set forth herein.
2. XXXX has first hand knowledge of the facts stated herein.
3. All the facts herein are true, correct and complete, admissible as evidence, and if called upon as a witness, XXXX will testify to their veracity.
Plain Statement of FactsDefinitionAlleged Lender now is Bank of America N.A .
4. There is no evidence that I/we have any outstanding liabilities or obligations with ALLEGED LENDER under the doctrine of ultra vires. By doctrine of ultra vires, a contract made by a corporation beyond the scope of its corporate powers is unlawful. XXXX believes there is no proof to the contrary.
5. Alleged Lender failed to provide proof of FULL DISCLOSURE to all matters dealing with the above loan and said contract as required by law in the Truth-in-Lending Act pursuant to XXXX XXXX XXXX. Alleged Lender failed to provide me all documented information that I requested in the Qualified Written Request sent to the bank on XXXX XXXX, XXXX by RPOST Registered XXXX Mail XXXX. In addition, LEGAL NOTICE Registered XXXX Mail sent to Alleged Lender 's attorney/s Blank-Rome LLP XXXX of Law, XXXX and XXXX XXXX : Second Request for Proof of Claim Dated XXXX XXXX XXXX was sent to the bank by RPOST Registered XXXX Mail XXXX and received on XXXX XXXX, XXXX. Alleged Lender, failed to produce for my inspection upon demand as required by Uniform Commercial Code of the original ( Wet Signature ) documents including the Security Deed and the Promissory Note and allonge, as evidence that they are, in fact, the holder in due course of the purported obligation. Despite being given XXXX opportunities to provide proof of claim on this matter via certified mail, Alleged Lender can not and has not been able to provide presentment upon demand. XXXX alleges and believes that Alleged Lender is not the holder in due course, nor the real and beneficial party of interest for the above loan.
7. ALLEGED LENDER failed to prove that they are the Note Holder in Due Course pursuant of U.C.C. - ARTICLE XXXX XXXX despite XXXX qualified written request 's demanding the Alleged Lender to stipulate and clarify this fact. No where on the loan documents or security deed was there mention of the word " holder ''? Therefore ALLEGED LENDER fully admits that they are not the holder in due course, nor a real party of interest in the above loan.
8. If in fact ALLEGED LENDER has the authority to enforce the contract through servicing and assignment, they have provided no proof of such authority despite XXXX written requests via RPOST certified email. Therefore XXXX alleges and believes that ALLEGED LENDER does not have any authority to enforce the contract for the above loan.My Fair Debt Collection letter were quite frankly ignored .The rebuttal of Tila rescission letter was clearly denied and considered closed by XXXX XXXXLITIGATION SPECIALIST Bank of America .AlthoughTILA does not evidence a contrary Congressional intent XXXX it 's statute of limitations must be read to be subject to equitable tolling, particularly since the Act is to be construed liberally in favor of consumers. '' XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ).
This response from a letter sent certified in XXXX is now a issue for the alleged pretender lender. and finally I/we made firm request for a viewing of wet ink note along with a Perfect Chain of Title insert from letter " Dear Sir, This letter dated XXXX XXXX, XXXX is to notify you, your firm and the mortgage company claiming ownership of this alleged loan and note, that I am exercising my rights under the " Fair Debt Collections Practices Act '' as codified at XXXX XXXX XXXX, which stipulates that a debt collector must, verify request
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Company chooses not to provide a public response | I received a letter in the mail stating I had a ticket that I owed money for. When I called to find out what they were talking abut they said it was for a speeding ticket in Illinois in 1999. I was nowhere near there at that time.
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Company believes the complaint is the result of a misunderstanding | SCA Credit Service, XXXX, Virginia, is falsely reporting to XXXX and XXXX that I owe a medical debt ( {$76.00} ) that I do not owe. I am a XXXX XXXX XXXX Veteran, and my medical care is 100 % free at the XXXX Medical Centers. SCA Credit Service is communicating to the aforementioned credit reporting bureaus that I owe XXXX XXXX this debt. SCA 's false reporting has negatively impacted my credit report, and caused my credit applications to be disapproved. Please help me correct this problem ; I have already filed grievances to the credit bureaus unsuccessfully twice.
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Company chooses not to provide a public response | I field a complaint with CFPB regarding to Ally to resolve a matter. However Ally is calling me on an automatic system and blocking their phone calls without resolving these matters. They call my house all day long more than XXXX times. We are in dispute and they refuse to resolve the matter as I am waiting for a supervisor to return a phone call to me however this is an automatic system and then they block the calls the rest of the day.
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Company chooses not to provide a public response | I received a letter, collection letter from Central Portfolio Control, they stated that because of interest, late charges and other charges that may vary from day to day, the amount due on the day you pay may be greater. In addition, this is the first time I have received a collection notice on this amount and have not received any information on when the service was/if it was provided by the Hospital they are collecting for. They want me to send in a payment and then discuss options? It does n't even give the date of service..
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Company chooses not to provide a public response | Hello I am a victim of freud and I have made so many attempts to have this resolved my credit cards were used and I reported this each company without resolution. XXXX, XXXX Bank, XXXX XXXX XXXX.
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Company believes it acted appropriately as authorized by contract or law | My loan was sold a short time later to Pacific Union Financial, and serviced by XXXX. Everything was fine until the servicing transfer to Pacific Union Financial. Every payment was made on time and in full. Pacific Union Financial sent us a letter, demanding almost {$2000.00} to " catch up our escrow account ''. I immediately called the servicer and they explained that our escrow balance was short, but they could not explain why. It was balanced at the beginning of the year, and the monthly escrow payment XXXX is more than the amount of our taxes and insurance. They offered to send me a pay history to help me figure it out ( I thought that was their responsibility ). I asked them to note that the escrow account shortfall was in dispute, while I researched the pay history and that we would reconvene as soon as I had a chance to review their documentation. The documentation took three weeks to arrive, and it came when I was XXXX XXXX, so I did not have a chance to review it immediately. There was no further contact or instructions. This morning, someone stating they were with Pacific Union Financial called me at XXXX demanding payment in full of the escrow shortfall or my agreement to a new monthly payment that is nearly {$300.00} more. I explained to her that I had previously spoken with someone and that we were investigating the shortfall. She stated that if we did not immediately pay the increased amount, that it would be recorded in our history as a short pay and that negative information would be reported to the credit reporting agencies. I explained to her that this is inappropriate, because I had not had enough time to review their documentation and that I considered their request to be disputed. At that point she became very argumentative with me -- threatening all sorts of XXXX and raising her voice. The call went over an hour with a very argumentative and harassing tone. We have never missed or short-paid a mortgage payment, since our first home was purchased over 20 years ago. We have an excellent credit history and payment history with this company and for them to use strongarm tactics and threats is very disappointing.
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Company believes the complaint is the result of a misunderstanding | I purchased my home in XX/XX/XXXX. I recently received my XX/XX/XXXX Annual Escrow Account Disclosure Statement from my loan provider Castle & Cooke Mortgage. My current mortgage monthly payment is {$1400.00}. Upon reviewing the statement, I realized my new mortgage payment increased to {$2500.00}. I called Castle & Cooke for an explanation. The representative explained ... ..they did n't pay your XX/XX/XXXX taxes. She kept referring to they when assigning blame. When I asked who is they, she did n't answer me. I asked again and then she said the service provider. Then I asked ... ..are n't you the service provider? She finally admitted it Castle & Cooke failed to properly collect the funds for escrow. She did not provide means or options to resolve the issue. I had to ask for my options at resolving this issue. I am concerned because this is a problem generated by Castle & Cook, a problem, I believe they intentionally perpetrate. The representative stated this is a common occurrence. The representative stated I had up to 36 months to pay for the shortage of escrow funds. I asked if there would be a fee incurred and she stated no. I am leery of her statement but plan on proceeding with this option. Once I find out exactly how this works, I may submit another complaint or add to this one. During my research of Castle & Cooke, I found your organization has taken action against them for steering consumers to costlier mortgages. I feel I am being exploited and being taken advantage. I venture to say there are many consumers in similar situations who have not voiced their concerns.
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Company chooses not to provide a public response | Lease is up on vehicle, I inquired about purchase option with Ally Financial. They are not recognizing the purchase option amount in my contract ( equal to residual, with no fee for purchase option ). The amount they quoted was 2,500 higher than the residual value stated on my contract.
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Company chooses not to provide a public response | Several paid collections came off of my report, then after I bought my house, those mysteriously came back on.
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Company chooses not to provide a public response | I have excellent credit with a credit score over XXXX, no delinquencies, no current balances, as I pay off my balances each month, and yet every time I apply for an XXXX XXXX card -- which is through Barclay 's Bank -- I am denied. I have a XXXX Barclay 's card with an excellent history, so I sent an online secure message to Barclay 's, which they not only refuse to address, but also refuse to escalate the matter to the corporate office. I am sick and tired of being treated like garbage by these banks. They lie, cheat, and steal from loyal customers, which is completely inappropriate, especially with customers with as excellent payment records as I have. I deserve an explanation in writing as to why this keeps happening, and CFPB has a responsibility to see that these issues are addressed in writing, not just blow off complaints by merely sending a copy of the bank 's lame response to the complainant.
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Company disputes the facts presented in the complaint | local collection attorney sued me using the original creditor 's name, XXXX, and listed himself as counsel, he had XXXX problem, could not and did not produce an assignment of the debt from the original creditor or proof that he had the right to act on behalf of the original creditor. Produced a false affidavit that was investigated and proven false and submitted statements that had the wrong account number and crossed out terms. He was able to get Judgement against me for XXXX. This is a violation of the FDCPA 807-10-14 and 812 ( a ), also constitutes Fraud upon the Courts. |
Company believes it acted appropriately as authorized by contract or law | I went the West Asset Management/XXXX because of I work inquiry and was put in the hosiptal. I told them at that time my job workmen compensation was going to pay for it ; however the sent this to collection and now will not removed it even now that it is paid in full.
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Company believes it acted appropriately as authorized by contract or law | XXXX has sent a previous account into collections based on an amount that I do not owe. A portion of the bill owed was slotted for equipment that I 'd paid for previously when the company withdrew funds from my account. I do not owe for un-returned equipment.
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Company chooses not to provide a public response | I just had the worst experience with a bank branch manager. I was trying to cash a check from my dad and XXXX who says she 's a branch manager refused the cashed the check. I told her that I would file a complaint and remember her name and instead of acting in a professional manner and controlling the situation she decides to scream out that I was a fraud in front of all the customers. I think it 's very rude, and she was speaking to me in a very very condescending manner and its very unprofessional of her that she would accuse me of fraud and not call and verify with my dad on the phone and also accuse me of a theif in front of everyone. I have no reason to steal my dad is a XXXX and does n't know XXXX and I 'm trying to help him pay his bills while these people are accusing me of fraud. She was so unprofessional I thought I was in the hood not at Bank of America. I do n't know what type of people is representing the company.
XXXX XXXX Manager atBank of AmericaXXXX XXXX XXXX XXXX, TX XXXX
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Company chooses not to provide a public response | On XXXX/XXXX/XX/XX/2015 at XXXX a recorded conversation was started between myself and a customer service rep from Bank of America XXXX At XXXX point she had a supervisor there asking questions and providing answers. The phone call was recorded and was over XXXX minutes in length. After months of calls, this representative was helping me. She said that if I made an additional payment of {$23.00} ( details are on the phone call ) that she would waive the late fee for XXXX that was placed on my account because I was XXXX day late. As an aside, I have not received paper or electronic statements from Bank of America in quite some time. Because I have been calling to dispute the late charge for months and only paying the previous minimums due ( {$25.00} ), Bank of America kept adding late fees and past due amounts. ( They added a late fee for XXXX, in XXXX, because I did n't pay the late fee, the considered the XXXX late fee a past due amount, and another late fee ) On the phone call with the representative and supervisor on XXXX, the was an agreement made to resolve the issue. They agreed on a recorded line that if I paid an additional {$23.00} ( I already paid the minimum of {$25.00} ) that day ( I did and have proof ) that they would waive the late fee for XXXX. This meant and they agreed that there would be NO late fee that carried into XXXX and therefore no past due amounts or subsequent late fees because I had made been and kept making the minimum payments due on time. After hanging up and making the payment, Bank of America NEVER made the changes and returned my account to " in good standing ''. They LIED. I called to complain and went into a branch as recommended a long time ago but a credit card rep of bank of america to launch an official complaint. Bank of America has refused to pull the phone call and do what was agreed upon. They are still charging my account with past due amounts which should not be there. They are also ruining my credit. I do not owe additional hundreds of dollars for being 1 day late and yes, I have proof that I made payment 1 day after the due date.
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Company chooses not to provide a public response | XX/XX/XXXX : opened a checking and savings account with suntrust. Checks received and used were erroneously printed with my SAVINGS ACCOUNT information. This caused numerous overdrafts, returned checks and extreme mental stress as well as confusion. When I brought it up to the branch manager she apologized and credited all charges back. She reordered checks reflecting the correct information, however, for some reason it was several months before these checks arrived. This caused, again, more stress, inconvience and money. # XXXX due to a possible security breach on my checking account, I went to my branch in XX/XX/XXXX. I closed the XXXX checking account and savings account and reopened a new one. I did not open a new savings account, however, apparently the person helping me did open one. I was printed starter checks while waiting for the real ones. It took XXXX phone calls and 8 weeks before the checks arrived in the mail. In the meantime, I used the information on my starter checks to set up my automatic payments ( credit card, car insurance, electric etc ) well, imagine what happened. MY STARTER CHECKS HAD BEEN PRINTED WITH MY SAVINGS ACCOUNT INFORMATION! While trying to straighten out this repeated error I 1 : dealt with an extremely XXXX, young, know it all teller who spoke to me in an incredibly condescending tone. 2 : had my car insurance dropped and when I called to explain the issue and to restart my policy I was hit with 3 : a $ 20+ increase in my monthly rate due to the 9 days lapse in coverage, even though it was not my fault. I did not even have any access to the savings account to make deposits. 4 : suffered negative and costly consequences from my power company, cell phone provider and credit card company. 5 : I finally went to the bank on Friday XXXX XXXX to close my checking account and the savings account and found out the bank had been pulling funds from my savings to cover my checking. I never asked for this service. I had no access via deposit slips or through my ATM debit card to this savings account so therefore was unable to make deposits to the savings account I did not know I had. 6 : the mobile app would not work for me once I got the new checking account so I deleted it. Web banking was seemingly constantly undergoing updates and changes so it was very hard to access my account on line. 7 : THIS IS ABSOLUTELY INSANE! Today I recieved a letter from suntrust stating that my checking account had been closed and charged off with a negative balance. This letter, dated XXXX XXXX, actually is referring to the checking account I CLOSED IN XXXX! When the account was closed it was in good standing. I never recieved any calls or mail from the bank regarding this until today. So I am now lead to believe the account was in fact never fully closed and some sort of inner bank activity was happening with it against my stated wishes and knowledge. How is this legal or even possible?? When I was at the bank on Friday, as well as the phone call with the very rude young man, I was told by both of them that they could see the old account and the date it had been closed by me with the help of a " manager '' at the branch. Yet, I recieve a letter on XX/XX/XXXX that Suntrust closed the account and is now demanding {$100.00} in fees. This shows a very sneaky and dishonest business model and perhaps even theft, not to mention extremely poor customer service regarding not just XXXX but XXXX accounts, leaving me with having to clean up the mess with not just Suntrust but also the businesses I use that deduct money, in good faith, from my account. My credit rating may be negatively affected, as well as relationships with my creditors and service providers. I believed yesterday I was finished with this stressful and costly experience. Now I am at wits end and have lost all faith in the banking industry.
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Company chooses not to provide a public response | I went to open an account at Bank of America and the lady entered in all of my information and I was denied an account and given a phone number to call, I called the number and it was Bank of America 's " risk department '' they stated that I had previously had a Bank of America account and it had been closed, I informed them I had NOT had a Bank of America account and I am a XXXX ( I am and have been dealing with it since 2009 ) and the man said that it did n't matter my police report and affidavit would make no difference and I would NEVER be allowed to have an account with Bank of America because the account opened by the XXXX had been closed. When I was filing my XXXX police report the packet they gave me said that no creditor or bank could hold being a XXXX against me because it was n't me. He was extremely rude and since it is illegal to hold XXXX against someone I would like something done about this it is n't my fault someone XXXX and it has been headache enough. The fact that he said I exposed myself to XXXX and that alone made me too risky is extremely offensive considering my XXXX after I got robbed XXXX and the guy stole my wallet.
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Company can't verify or dispute the facts in the complaint | My wife and I applied for a home loan and the bank provided to us negative accounts that affected our approval. When reviewing the information World Finance Corp showed up with a balance of {$580.00}. I have no idea what theses charges are for and when attempting to contact the company no one could give me information or locate information stating a loan was ever received.
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Company chooses not to provide a public response | When my wife and I tried applying for a loan, the loan officer informed me that on my credit report there were XXXX different collection account for Bank of the West listed. The XXXX shows account name unknown with XXXX balance states unpaid and consumer disagrees. XXXX is listed as XXXX XXXX XXXX XXXXBank of the West with a balance of {$180.00} that supposly was turned over to collection XXXX. I have attempted to gain information related to XXXX of these accounts with no luck not even sure what branch these transaction took place at and I was told without a account number for reference it would be difficult to figure it out since my XXXX number did not pull any information.
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Company believes it acted appropriately as authorized by contract or law | I have received absolutely no notice of this account from anyone. It is reporting to my credit, and I have no information available to me to even attempt and resolve it. I have no record of the amount they are claiming I owe, and have been provided no information whatsoever to validate their claims.
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Company believes it acted appropriately as authorized by contract or law | XXXX was hired by an apt complex that i had moved out of, with the rent fully paid, during this time they had mangement change, an they reported that i still lived there. i did n't i was living in XXXX.when i return i tried to rent an apt , to my suprize i had to pay this company off and i did, they said if i did n't was committing crime, an would go to jail.if i paid the money they would remove the debt and remove all trace of it from my credit records.i payed, they did nothing but cash the check.i have all there letters and phone calls.they then started to write bad remarks on my credit report.
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Company chooses not to provide a public response | XXXX REFUSED VALIDATION REQUEST AND INSTALLED INQUIRY ON MY CREDIT. IGNORED CEASE AND CEASE, PAID ORIGINAL CREDITOR.
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Company believes it acted appropriately as authorized by contract or law | I attended a years worth of training at the XXXX school XXXX XXXX XXXX, out in XXXX XXXX, California, as well as an additional 4 months of training specifically for XXXX, under the same institution. For a small portion of my tuition, I was able to receive federal loans, but the majority I had to apply for private loans - this goes for the original years worth of standard training, as well as my extended training. My only choice at the time was to go through SallieMae, and I had cosigners who helped me attain the loans. Upon graduation I was able to enjoy the grace period and began making payments afterwards. I worked for about 4 months before I lost my XXXX job. I was able to get a job by the end of the same month, but was making substantially less. I was making payments to SallieMae at the time without issue. Times grew harder, and the decreased pay really began to catch up with me. I picked up a XXXX job, but was still struggling to make payments on all my loans, as well as necessities for daily living. I requested forbearance with SallieMae, to which they complied. I was given 3 months grace until I had to make payments again. During those three months, I received multiple calls with SallieMae telling me that I was past due by one full month, or two full months, and they were demanding payment. Each time I would inform them that I had already signed up for forbearance and that I was n't to make payments until the end of that period. They would tell me that they would make note of it and the call would end. I received these calls XXXX or XXXX a month during the forbearance period, and worse, so did my cosigners. My cosigners would be forced into making payments because they were unaware of the conditions of the forbearance. I would call SallieMae and request that they stop collecting payment and asked why they were doing so when my loans were clearly in forbearance, even my online profile listed the document that explained the terms and conditions of the forbearance.
After that period of forbearance ended, I made payments for month but still needed more time and reenlisted in forbearance for a XXXX time. Another XXXX months with the same issues - debt collection calls, claims that I am past due and have a delinquent account, and my cosigners would also receive the same calls. The issues persisted throughout the forbearance and after the last month I began to make payments again, as necessary, for 4 months. At this time, I received a degradation to my pay, and was earning even less money. I could not comfortably meet the payment requirements and requested an additional forbearance period. I was informed this was the last time I could enroll in forbearance, but I had no choice and agreed. At this time, I enlisted XXXX loans under SallieMae at the same time. My cosigner received many calls stating that I was delinquent on the account and payment was necessary, to which they would pay, and I was misinformed in the fact that XXXX loan was put into forbearance before the other. To my understanding I had to make a payment on XXXX loans and that XXXX would go into forbearance at the same time, and payments would resume in XXXX. After XXXX, my account was listed as delinquent with a past due payment of {$500.00}, which I could not pay at the time and was far above my standard payment. I inquired to it and was given the explanation that XXXX loan went into forbearance before the other and that my only option was to pay off the amount. I had received no statement for the account for the month of XXXX, and a statement is n't even listed on my SallieMae account profile. The same goes for XXXX. I am now {$1000.00} behind and am given no options other than SallieMae demanding repayment. I am at a loss and can not make this payment. I am in dire need of assistance.
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Company believes it acted appropriately as authorized by contract or law | Last year in XX/XX/XXXX, Enhanced Recovery company sent me a letter trying to collect on an XXXX debt. I have never used XXXX so I contacted them asking them to verify the debt was correct. They have never sent me anything. I called XXXX trying to find out anything, and they cant find my name anywhere in their systems. They sent me to the fraud department to investigate further, and nothing. I am no where in their computers. I asked XXXX if they could send me a letter stating that, and they told me they have nothing to send me since I have never been in their system. I wrote a letter then to the collection agency responding to this account, and they have never contacted me. I called them back and they know nothing about the letter and told me I need to pay my bills and questioning my character ( in not so nice words ) I am so frustrated to be in this catch 22, I heard you would help me! The story continues. Now the same company showed up on my credit report this morning. ( I am monitoring my credit now ) This time with a direct tv bill. I did have a direct tv account, but it was paid in full and the box was mailed back. Seems really convenient that this would come up now. I am almost in tears. I am trying to purchase a home and this has completely stopped me in my tracks. My loan officer says to dispute and have them deleted in order to qualify, and I have no where else to turn. How can they do this!!??
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Company can't verify or dispute the facts in the complaint | I attended XXXX XXXX XXXX, XXXX. I completed the work however due to lack of help from teachers I do not feel like I have enough knowledge to use my degree for a better job. Of the jobs that I have found, I am not considered due to the fact the XXXX XXXX has a bad reputation and my degree is basically worthless. As far the lending services which was Genesis Lending Services, they made me pay while attending school. The private loan was not needed for me to attend school, as i found out later that the school had taken out more in federal loans than what was needed. The private loan company also knew that the school was doing this and went along beside them. This loan was not needed and I feel that I should not have to pay them anymore and should receive my money back. Seeing as I have 36,000 + in federal for a two year degree because of the school already. Since, all of this has become knowledge I have contacted Genesis Lending Services and they will not give me any information that I will be forgiven or the option to stop paying. Now, I only had XXXX forbearance left that I still have to pay {$60.00} for 6 months and then {$120.00} and then {$210.00} which is getting rough considering I still do not have a job in the XXXX and still working as a XXXX making small money.
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Company chooses not to provide a public response | Macys credit card system application takes them a whole day to fix a problem, they do not give the right information to customers to the point that you dont know what to believe anymore. It is frustrating to wait and wait to get answers that only leaves you with more questions and upset. Im really disappointed at the customer service im receiving every time i call i feel like im making an out of distance call. I cant deal with the wait and non solution situation anymore.
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Company chooses not to provide a public response | I have recently pulled out my credit profile from equifax company. I have found out XXXX account that is incorrect, that is reported from Collection agency. After sending letters to the Collection Agency who has listed an item on my file, to ask them validate my debt. But I have n't received any legal documents that proof of debt, such as acoount statement, name of original creditor, and registered agent number, and so on. I asked them to delete from my credit file if they ca n't validate my debt, But they still keep reporting to credit report company while they ca n't validate my debt.
I have contacted the credit report company, Experian, to ask them to investigate the account that I was given no evidence of my obligation to pay this debt to this collection agency. But it came out verified from Experian ( attachment enclosed ). And as I know this debt is out of Statute of Limitations of State, but the Experian still allows debt collector to report in my credit file. Please help me to resolve this matter. It affects my life, and make me distressful.
Thank you so muchSincerely Yours, XXXX XXXX
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Company chooses not to provide a public response | I received a bill for XXXX from SLS servicing on XXXX/XXXX/XX/XX/2015, on a Home equity line of credit i had taken out 10 years earlier. It said balloon payment due ( Final notice ), and if i do not pay by 30 days i am subject to foreclosure. This bill was for XXXX, the limit on the HELOC was only XXXX. I paid it off last week, and they deleted the extra amount due to make it the true balance of XXXX. I just do n't want this to happen to anyone else, and if they get an older rich person, they might just have sent them the higher improper amount. Thank you.
XXXX will attach a copy of the bill if you want or call me with any questions at XXXX.
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Company believes it acted appropriately as authorized by contract or law | A company named Coast Professional Inc utilizing an address of XXXX XXXX, XXXX XXXX, LA XXXX is attempting to collect a purported debt that if valid, would have been at least XXXX years old. Under California law, where this purported debt would have arisen, the Statute of Limitations ( SOL ) is XXXX YEARS. This appears to be a shake down by a shady firm who probably bought this debt for XXXX cents on the dollar and is hoping that people will acknowledge the debt and restart the SOL. This is harassment. I have responded them in writing, as requested by the shady company, that I do not acknowledge the debt and that I am reporting them to the CFPB. Moreover, in there letter, it states that if you do not dispute the validity of the debt in writing - they will construe silence as a reaffirmation of the debt.
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Company believes it acted appropriately as authorized by contract or law | XXXX XXXX, 2015 my account at UMB was overdrawn by XXXX an ACH from XXXX bill installments I 'd forgotten about. On XXXX XXXX a 50.00 credit was given to my account by XXXX leaving my account at XXXX. Due process the bank charges their overdraft fee, creating - {$32.00} a negative balance. UMB then started to charge an XXXX negative fee for the next XXXX days. This is unheard of, I thought XXXX and XXXX were thieves. XXXX another fee scam
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Company chooses not to provide a public response | We have a contract with Home Depot for a Kitchen remodel, we opened a line of credit with them this was to be a zero interest for 2 years. Now after 6 months they have started charging us interest which triples our payment. We have called several times and they have agreed to make the change going forward but we are still expected to pay the inflated payment this month.
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Company chooses not to provide a public response | We had a Line of Credit with US Bank that was included in our 2013 Bankruptcy and has been charged off by the bank. We are trying to sell our house and the bank is giving us the run around about releasing the Deed of Trust in the county records. This is obstructing the sale of our property
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Company chooses not to provide a public response | I would like to file a formal complaint about the owner and original holder of my mortgage loan, XXXX Bank, as well as the company that took over when XXXX failed and now is handling my loan, Santander. I have been lied to, deceived and given the runaround by this bank and they turned a bad situation that was manageable into a mess. Instead of working with me to resolve this they have tried to set an auction date for my home. I ca n't believe it has gotten to this point. I have tried to resolve this, but ca n't seem to get anyone to take me seriously or treat me fairly.
I bought my home XX/XX/XXXX. XX/XX/XXXX this area was hit hard by hurricane. I had significant damage to my home. I went round and round with the insurance company and could not get them to sign off on the repairs. So I refinanced into a predatory adjustable rate loan with an interest rate that could only adjust up. I needed the money to get the repairs done on the house -- -I was not able to get any type of settlement out of the insurance company for over a year. To make matters worse after I had started on the repairs I got hit by ANOTHER hurricane. Power was out for almost three weeks, and more out of pocket money was required to get the house back in to livable condition.
I was able to make my high mortgage payment but once the recession hit the plan of refinancing out of this loan was gone. As a XXXX I was concerned, but was assigned to a long term job so had some security. However when that job ended I tried to bid for new jobs and it was brutal. I bid on XXXX jobs in a row and lost the bid on each of them. I got nothing for nearly a year and all of my reserves were liquidated. In order to stay relevant and employed I had to start bidding lower on jobs. On more than one occasion I actually lost money on the job. I also had some customers who stiffed me after I completed work on their home. They knew my situation and assumed I could not afford to hire an Attorney to sue them. I was in tough financial shape.
When I was not working and bleeding my reserves I was told by the agents at XXXX Bank that they would absolutely not consider helping me unless I was XXXX months delinquent on my loan. I tried calling in on more than XXXX occasion and all representatives parroted this talking point. Of course, I was not able to keep making the payment anyway and I fell behind on the loan. I called XXXX again when I was one month behind and they told me once again, we ca n't work with you or speak to you about modification until you are three months behind. After I was XXXX months behind I called in to find out how I could apply for assistance. The agent at XXXX then told me that they could not talk to me about a modification because I was late on my mortgage! ARE YOU KIDDING ME???? This was total deception and fraud by XXXX Bank, the company that wrote this loan and the owner of this loan. Santander, by proxy is in charge of not only the asset of this loan, but also the liability that goes along with it, which is significant. There is a reason this bank failed, they are bald faced liars who engage in unethical business practices.
I tried over and over to make some headway with Sovereign and could not get anything done. I hired an Attorney and still ran into resistance. Since the loan has gone to Santander I have completed the paperwork for modification on numerous occasions but continue to run into resistance. Documents always seem to be lost or misplaced. The relationship manager has been nice, but is impossible to reach. And no real review for options has ever been conducted. Instead Santander is trying to auction my home without even giving me a chance. I deserve a seat at the negotiating table, this is not right or fair or legal.
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Company chooses not to provide a public response | I am writing this complaint in regards to FCO an debt collection company attempting to collect a debt from me. I have no proof or knowledge that I owe this debt. I moved out of XXXX House in XXXX of XX/XX/2013 and paid any remaining balance I owed. I believe this debt is unjust and inaccurate.
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Company chooses not to provide a public response | The issue is with Private Mortgage Insurance ( PMI ) charged during Loan Payoff. PMI was charged for the whole month. After refinancing my mortgage loan, although I closed on XXXX of the month and lender charged PMI fro the whole month
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Company chooses not to provide a public response | I traded in my XXXX to XXXX XXXX financed by 3 months before the termination of my lease and purchased a XX/XX/XXXX Escalade with 0 % financing. 4 weeks later I had to turn in the XX/XX/XXXX Escalade as the dealership had made a mistake by offering 0 % financing on a XX/XX/XXXX I turned the car in and they replaced it with a XX/XX/XXXX XXXX which I have today and is being financed with Ally.
I turned the Hummer in early ( 3 months ) at the request of the dealership as they told me GMAC ( purchased by Ally ) had a promotion where I could terminate the lease early as long as I was purchasing another vehicle financed by GMAC. This is what I did. It appears the dealership never turned in the proper paperwork. It took me 2 years to straighten out as the GM who handled the deal, had left the dealership. They finally admitted their error and paid off the remaining outstanding balance.However Ally has reported this transaction to the credit bureau as late and a write-off which is just not the case. This reporting has had an adverse effect on my credit rating and has impacted my line of credit.
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Company chooses not to provide a public response | I checked my Bank of America account today and noticed that my account has been charged {$48.00} in XXXX installments since XXXX. I was never notified. I called the account services and they were rude and unhelpful. It is my money, I should be notified before any deductions are made on the account even if policies change. I have had the account for over XXXX years and now starting from XXXX, I have been charged {$12.00} XXXX for maintenance fees. I feel this is rubbing me of my money without notifying me. I will need my money back.
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Company chooses not to provide a public response | Although I make my payments on time, Macy 's continues to lower my extended credit offer several times a year without proper notice.
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Company believes the complaint is the result of a misunderstanding | This company collects for XXXX XXXX XXXX Court, it was for an old red light camera ticket that I was never aware of. what happened is it came to my attention when they intercepted my state tax refund, then I contacted them and paid the remaining balance. I had paid this debt around XXXX of 2014 to XXXX. I asked XXXX several time for proof the debt was paid they would n't provide it. They did say the account would be reported as paid to the XXXX major credit bureaus. Later on 2014 around XXXX, a property management company pulled my credit for approval on a rental. They informed me of a negative item still showing. This alleged still outstanding debt. I contacted XXXX yet again, they informed they had done the reporting as paid. I informed them it is still showing, and it needs to be resolved ... Now this year I pull my free credit reports as allowed once a year and again ... This is account is still showing as a derogatory item on my XXXX report! This Company is in direct violation of the FCA and FDCPA. My attempts to resolve this with them have failed they are n't following through.
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Company believes it acted appropriately as authorized by contract or law | I tried to create an account at lending tree. When the account was created lending tree automatically applied me for a loan. I did n't even get to see terms or information about the lender. I just got a credit rejection email, for a loan I did n't apply for! Also, I ca n't figure out how to remove myself from this site and discontinue my 'membership ' but I 'm afraid that if I try it might try to apply for another loan for me. I do n't want these hard credit inquiries on my credit report.
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Company chooses not to provide a public response | I went to XXXX XXXX in XXXX, AZ to purchase a vehicle. I previously purchased a vehicle 8 years ago when it was XXXX XXXX. But, I did not have a good experience with a recent purchase. The salesman, XXXX XXXX, was misleading in the information he gave me about the financing and refinancing of the vehicle. The vehicle was more than XXXX XXXX XXXX value as confirmed by my bank and another dealer. I could not get alternate financing for the vehicle because of it. Now I am in a vehicle with extremely high financing rate and payments that I can not afford. I told XXXX several times I wanted to wait to get things straight with the bank and was pressured to move forward with the deal based on information he told me about the financing and refinancing of the vehicle. The purchase was made on XXXX/XXXX/15 and when we called on XXXX/XXXX/15 and went there we were told that the Manager ( who I assume is XXXX XXXX ) would not approve of taking the vehicle back. The circumstances and dealings with XXXX XXXX are shady and not very honorable. I have contacted the finance company which is Credit Acceptance as well as the Office of the Attorney General to file a complaint. There was also hidden damage on the vehicle under the front license plate. This was not seen since they had their dealership plate covering the damage. XXXX XXXX uses Credit Acceptance as a finance company for their sales. They force deals on you with Credit Acceptance by doing the " verification '' process and they receive direct funding in day as stated by XXXX XXXX who ( owner/salesman of XXXX ) and is a " featured dealer '' on the Credit Acceptance website for advertising purposes. They asked for my bank statements. pay stubs, etc. that very day so they could get paid immediately and the deal is funded. This completes the verification process and assures that XXXX will be paid immediately on their deal regardless if they have misrepresented information or used predatory sales/credit practices. Credit Acceptance 's " Portfolio Program '' that XXXX participated in allows them to receive an up-front profit and to share in collections. The owner/salesman XXXX XXXX will do everything possible to close the deal to the point of falsifying most everything he can to put you in a car with the highest interest rates he can because of the funding he receives from Credit Acceptance. I have contacted Credit Acceptance on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 with regard to this situation. No one has returned my calls ( including XXXX XXXX -- XXXX ). I sent a complaint also to Credit Acceptance 's customer service to get this resolved and have not received any contact. My bank, XXXX, has temporarily issued a credit for the deposit that I put down but that is until they complete their own investigation so it may not be permanent. XXXX XXXX was stalling on the deal to with me telling that he had already been paid/funded ( XXXX/XXXX/15 ). There was nothing I could do about it because the Credit Acceptance contract would not cancelled/revocable once accepted. We tried again on XXXX/XXXX/15 to return the vehicle and was told by XXXX that he would have it towed if we left it there. I have contacted my financial institution, Credit Acceptance, XXXX, FTC, AZ Attorney General, and a local TV station to assistant with this situation to get an acceptable resolution.
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Company chooses not to provide a public response | Complaint : XXXX Credit Union and Bank of AmericaHave been trying to modify XXXX and XXXX mortage loans with XXXX financial banks. Have already done modification with XXXX XXXX. Reduced loan which was small down to 4 %. Process was done within 30 days.
XXXX XXXX Credit Union has been at best rude and really not interested in modification. Repeated had to call person who was in charge. Counterdicted themselves regularly and was told to be XXXX to four months late and will allow a short sale. Repeatly lost documents and made threats that they would not allow modifications if Visa card is not paid. Not interested in reducing interest rate and would rather have home. Verey unprofessional in collection activities on Visa card.
Bank America mailed a letter to me about the {$95000.00} line of credit that is 100 % underwater. This was a mastercard line of credit with Countrywide. For almost 10 years have paid only interest only. Readjusting with principal in XXXX, XXXX. The readjustment makes no sense that payment should be {$780.00} not the {$980.00} on letter dated XXXX XXXX. After XXXX months of playing games with documents they made decision I could not afford any loan. The Home loan team offer a short sale if you can not afford the loan and gave no options except leaving the home. Kept calling and asking questions about my permanent XXXX and when I was going back to work. I repeatly stated it was not going away and I will never go back to work. I will be XXXX this year and have a XXXX that will just get worse never better. At best she was rude and and made threats to me you better pay this loan and your other creditors. In XXXX I was forced to retire on XXXX and had numerous charge offs. Had recovered on the credit bureuas to almost XXXX while paying all my creditors for 48 months. Started this process in XXXX all my scores dropped into the XXXX 's. There must be models in the credit bureuas that saw XXXX XXXX pay off loan and all the scores dropped over XXXX piints in days. Bank America stated in there XXXX denial I could not afford any loan. Based totally on the credit scores. Gave complete budget forms same as XXXX XXXX yet XXXX and Bank America considers us too high of a credit risk. XXXX XXXX they are now calling my wife and threaten her with a short sale when both the XXXX and XXXX are negative and the XXXX wellover {$100000.00} negative. XXXX and Bank America are both calling my wifes phone at work, withourt permission and calling our cell phone every XXXX homes when there loans are not late. Threats are short sale or we will forclose. Yet neither are 30 days past due
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Company chooses not to provide a public response | In XX/XX/XXXX we called Bank of America to let them know we were struggling and see if we could move a payment to the end of our loan. They said that we could get a loan modification and that would help out more. We were told to skip XXXX payment and start making the new lower payment on XXXX XXXX, then after 3 months it would be reviewed and we would know if we were approved. We were approved and everything was fine till XXXX when I made XXXX payment early on XXXX. I started getting phone calls on the XXXX saying I missed my payment. When I answered the phone we would have to go through a major ordeal that the loan was in my husbands name and that they could n't talk to me about it, we had send in a letter XXXX different times giving me permission to talk to them, it would work for XXXX or XXXX phone calls but then we would go through it all over again. They insisted that the payment I made was XXXX and would go all the way back to the payment they told me to skip saying they were all late. I received multiple harassing phone calls daily. It did n't matter how many times I explained they insisted I missed a payment. They never would assign me to just XXXX person to handle the account, I had to call and talk to several people and explain to each XXXX the whole story ( sometimes XXXX a call ). I would finally get someone who sounded like they knew what they were talking about only to be told to call back in XXXX hrs to see if it was fixed. We went through this for a year! Constant phone calls, no results. Finally in late XX/XX/XXXX we gave in and paid some of the fees that they said we owed just to be done with it, even though I have documentation that we never missed a payment. Last month XX/XX/XXXX I noticed a {$15.00} charge on my statement so I called to see what it was for. I was told it was due to a missed payment in XX/XX/XXXX, I explained the whole story and got the same run around, " I 've submitted it for review, please call back in XXXX hrs to see if it is resolved ''. As of XXXX weeks later it still is not resolved.
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Company believes it acted appropriately as authorized by contract or law | I noticed a collection from Focus MGMT on my annual credit report. It included a charge of {$82.00} from XXXX with an opened dated of XX/XX/XXXX. I immediately called and spoke in detail with Focus MGMT about the invalid account claims for services never rendered. I explained in detail as to how XXXX was unable to bill me for services due to the fact I had n't resided at XXXX XXXX XXXX XXXX XXXX, TN XXXX since XX/XX/XXXX. XXXX indicated services was rendered in XX/XX/XXXX long after I relocated. I preceded to ask for a signed receipt for services rendered in XXXX. I was advised that the account would be referred back to the originally customer ( XXXX ) as an deputed account. I had yet to receive documentation from either parties. Three months later, Focus MGMT just reported account on XXXX with the same information. My question is why I was n't notified previous to the collections being placed for collection? I shared my current address with Focus MGMT when I requested for a signed document containing a verifiable submission of services received ( since I know they do n't exist ). I would like to think this company is n't trying to destroy my credit by not giving notice and placing bogus accounts on my report!
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Company believes complaint is the result of an isolated error | Enhanced Recovery Company has not responded to my letter of validation with the required 30 days so they have not validated the debt in accordance with the guildlines of the FCRA. I have sent them a XXXX letter notifying them that I have not heard from them and request they remove the tag lines from all XXXX CRA 's immediately but have yet to see any results. I have check on the XXXX website and seems that I am not the only XXXX that has had to resort to contacting CFPB concerning this company 's reporting practices and the only way to get resolution to this matter is by contacting CFPB for assistance. They also have not verified with the CRA 's either as my credit reports all still state consumer disputes claim. Your assistance is greatly appreciated.
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Company chooses not to provide a public response | On XXXX XXXX I sent to Transunion via Certified Mail a letter disputing several unverified items which arrived at Transunion on XXXX XXXX, XX/XX/2015
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Company chooses not to provide a public response | BB & T received an electronic payment on my account. On at least XXXX occasions, they took excessive days to post the payment, making the account past due and thus charging a late fee. XXXX instance was 9 days ( 6 business days ) ; the other was 13 days ( 8 business days ). They refuse to waive the late fees saying it takes several days to post payments.
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Company chooses not to provide a public response | I received a XXXX from Bank of America regarding a check for {$12000.00} they sent me in XXXX of 2014 as repayment because they violated the SCRA on my credit card account while I was deployed. Upon receiving the check last XXXX, I verified with BOA that the check was legitimate and asked what it was for. They said they were repaying my interest on my credit card account that I had over payed due to their error. Now I have received a XXXX for a different amount, {$9000.00}. I spoke to a representative this morning and she claimed this amount was the real amount of the overpayment and that the difference between the check and the XXXX was something akin to restitution. She said the difference was nontaxable, but the portion recorded on the XXXX was taxable. According to her, the XXXX amount was credit card interest I paid while deployed. This is fraudulent however, because I already paid taxes on that amount when I included it as primary income from the XXXX when filing taxes. They are offering no further help.
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Company chooses not to provide a public response | I am writing because I agreed to allow XXXX be my home insurance provider in XXXX XXXX at a set quote of total around {$1300.00} for XXXX XXXX XXXX. In XXXX XXXX, XXXX hired a XXXX party to do an " inspection '' or " to access '' my house. The XXXX party did not do a good job and misled XXXX on my insurance policy. XXXX then increased my policy to more than XXXX of what it was, without due process not notifying me. This has caused for my insurance company to add an additional {$200.00} per month to my mortgage per month, for the period of XXXX XXXX XXXX XXXX. I am about to go into foreclosure because of this. I have contacted XXXX since I received the XXXX party evaluation and they refuse to correct this. The evaluation stated that I have XXXX garages and XXXX doors and other mistakes which led XXXX to believe that they should XXXX the policy. However, the evaluation also included pictures of my house which proved otherwise. I have contacted XXXX and they are telling me that based upon the sq footage that they received from the XXXX party that my policy was wrong, but I was not told of this from XXXX until XXXX XXXX. I need a refund of the " new amount ''.
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Company believes it acted appropriately as authorized by contract or law | Mortgage Fraud is being perpetuated against by SPS known as Select Portfolio Servicing , Inc the property is located at XXXX XXXX XXXX XXXX, Ga XXXX. Legal Description : ALL THAT TRACT OR PARCEROF LAND LYING AND BEING IN LAND LOT XXXX OF THE XXXX TH DISTRICT OF XXXX XXXX, GEORGIA, BEING LO XXXX XXXX OF XXXX SUBDIVISION, AS PER PLAT RECORDED IN PLAT BOOK XXXX, PAGE XXXX, RECORDS OF XXXX XXXX, GEORGIA, WHICH PLAT IS BY REFERENCE INCORPORATED HEREIN AND MADE A PART HEREOF. I sent notice and ask the plaintiff to:XXXX Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; a ) FR XXXX balance sheet ( XXXX # 's XXXX, XXXX, XXXX ) b ) FAS XXXX Cash Flow Statementsc ) XXXX XXXX XXXX ) XXXX XXXX ) SEC Registration # of the pooled trustf ) FWP ( free writing prospectus ) SPS wont respond and now they are foreclosing on a property they do not own..
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Company chooses not to provide a public response | Specialied Loan Services refused to modify my mortgage and tired to foreclosed my home. They refused to set a face to face meeting based on Washington State Law for a mediation. I have been trying to contact them by mail and phone and have been waiting for several months but no one from SLS contact me. They sent my home loan to their Attorney to pursue foreclosure. I do n't know who to turn to for help. I contacted the Local Housing Counselor for help but did n't get anywhere.
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Company chooses not to provide a public response | I have had several checking and savings accounts at various banks in the area I live. Each time I open an account, everything is okay, if/when I decide to close my accounts because of various charges, I am charged an arm and a leg to close or even to be billed!
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Company chooses not to provide a public response | On XX/XX/XXXX I came home from a long day of work and found the attached letter in my mail box. In this attached letter from XXXX XXXX it is advising that on XX/XX/XXXX a payment that was legitimately authorized to them from Bank of America on XX/XX/XXXX was advised unauthorized per a dispute given by the " now '' Bank of America account holder. I was an authorized party on the account until XX/XX/XXXX. The amount that was disputed was for XXXX.
This was indeed an authorized payment due to I was a joint owner of the Bank of America account when the payment was submitted to XXXX XXXX. The reason that this payment was advised unauthorized by the current account hold is because my ex is being spiteful and he knows that Bank of America is not going to put in the extra legwork to ensure if this was indeed true or false.
This is the XXXX time I am having to deal with this matter in a 1 month time frame and it is becoming ridiculous. If Bank of America did a better job in ensuring the following before the dispute was done we would n't have this issue : - Who 's name is on the bank account at the time that the payment was made?
- Who 's name was on the account that the payment was made to?
- Does the address match what was on file to Bank of America when the payments were made?
I can answer this with ease - IT WAS MINE!!! Bank of America should not allow authorized payments to be disputed when they were made legitimately while it was a joint account. My ex is being spiteful due to I broke the XXXX because he became abusive. Bank of America this has to stop! I am tired of being a victim because someone is not doing their job correctly and continuing to breach their fiduciary duty.
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Company chooses not to provide a public response | There are several issues:1. FAILURE TO DELIVER FREE CREDIT REPORT. I completed a complete written application including copies of driver 's license and utility and mailed that to Experian at its free credit report address. In response, Experian sent me a statement claiming I failed to provide ANY OF THAT that information in a letter I received about 2 weeks after my request.
2. BREACH OF CREDIT INFORMATION. The statement from Experian was directed to my home address but listed a completely unknown name : " XXXX XXXX XXXX. '' It appears that Experian has given me confidential identification belonging to another person. Experian 's Report Number is XXXX and was issued XXXX.
3. FAILURE TO MAINTAIN 800 Number. I received a subscription to ProtectMyId.com, a company owned by Experian, under a court settlement regarding massive identity theft. I logged onto that site and saw XXXX erroneous credit reporting issues. Using the website, I tried to file a complaint using that service, but it would not allow me to file any complaint. The website demanded a report number, but did not give me a report number to identity the matter. I attempted to call ProtectMyId.com but noone answered the phone, even when I hit XXXX or followed the prompts. I then tried to call Experian and could not get through either.
4. PROTECTMYID.COM. I filed an online complaint with the website stating it did not deliver the service it was set up to deliver. I received an email over a week after I sought help from ProtectMyId.com stating that my request for assistance was received. I responded asking for actual help. I have never received any assistance from the website, Experian 's subsidiary. Instead, they then sent me a letter telling me they could not help me with a dispute involving Experian.
CONCLUSION. I am very concerned that Experian is reporting incorrect information on my credit and refusing to communicate with me about it and is instead releasing another person 's name to me. If they confuse me with another person, are they sending out my confidential information to a complete stranger? XXXX
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Company chooses not to provide a public response | I received a letter from XXXX with a debit card of {$50.00} representing a rebate because of prior repairs made to my XXXX Ford Taurus. The letter stated that if I did not want the debit card I could call XXXX to request a check of {$50.00} and cancel the debit card issued by the Bank of America. I paid for the Ford repairs in US legal tender and since I am entitled to a rebate I want my rebate in US legal tender and not in the form of a debit card issued by the Bank of America. I called in XXXX XXXX and cancelled the card and the customer representative from the Bank of America said that I would have the {$50.00} refund check in XXXX days. In the meantime the debit card was cancelled. I have not received the check and it has been 4 months and I have made numerous inquiries with the Bank of America and each time they say the check will be in the mail within 7-11 days. My XXXX communication was on XXXX XXXX, XXXX and the supervisor, whose XXXX name was XXXX promised that a check would be in the mail within 11 days. The check has not been received. I want my {$50.00} check in lieu of the debit card which was cancelled. I am tired of making telephone calls and being ignored. The number of the original debit card which was cancelled is XXXX expiration XXXX ccv XXXX XXXX XXXX
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Company chooses not to provide a public response | I am being accused of having a XXXX Card debt that I did n't pay off, so XXXX has turned over the account to another company ; Smith Debnam Narron Drake Saintsing & Myers LLP to harass me. I knew nothing about this, I 've NEVER used a credit card, the name is not even my legal name, now a sheriff served my mom papers where this attorney office is threatening to seize my properties! This is so wrong to do to people! I 'VE NEVER OPENED A CREDIT CARD!!!!
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Company believes complaint caused principally by actions of third party outside the control or direction of the company | I understand now that i was XXXX charged for a loan through XXXX.The loans are now under investigation and all of the schools are closing i was persuede to get XXXX loans as i continued school there i was not informed this when I XXXX signed up i was called several time just to enroll in that school and offered opportunities and still can further my career and ally credits will be accepted at any college well all that was false
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Company chooses not to provide a public response | I 'm advocating on behalf of my limited communications skills domestic partner XXXX XXXX who opened up checking and savings accounts with Bank of America in XXXX. I have co-power of attorney.
XXXX is not XXXX 's XXXX language. He is from a remote XXXX where time virtually stands still ( few own XXXX ) so one can appreciate how overwhelming XXXX banking procedures/policies would be to such a man. Additionally XXXX is exceedingly introverted will not assert himself even when abused as Bank of America did to him. Just from the monthly hard copy statements since XXXX ALONE I 've so far been able to locate he has been slammed with approximately {$3000.00} in fees!!!!! Quite likely the figure approaches {$10000.00} since the inception of his accounts. XXXX month alone saw the usurious sum of {$280.00} yanked from his shrinking net worth. He is being charged almost as fast as he can earn. Understand, that the XXXX year old XXXX is an XXXX with XXXX being his most recent occupation.
Banks should never be as detached from their customers as Bank of America is from XXXX. He and I plead for your intervention and an analysis of his accounts from their opening in hopes that XXXX might be rightfully reimbursed for the callous indifference and disproportionate depletion of his assets.
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Company chooses not to provide a public response | I ended service XXXX on XX/XX/XXXX. After receiving my final statement I notice some additional charges that needed to be corrected. Contacted on XX/XX/XXXX and informed them of the errors. A ticket was created to amend bill and a new updated bill will be sent in 7 to 10 business days. Bill never received. Called XXXX XX/XX/XXXX in regards to bill. Customer service observed bill was still waiting on supervisor approval for corrections. Another ticket was created and marked urgent for corrections and new bill. On XX/XX/XXXX received a credit alert stating that my XXXX account was turned over to a third party collections agency. Spoke with the representative rom Southwest Credit and they stated that they were XXXX attempting to collect on a past due bill for {$510.00}. Explain to them that the charges were incorrect and the bill was being reviewed for corrections. Requested to be transferred to billing and at that time they stated they were a third party collections hired by XXXX. I contacted XXXX XX/XX/XXXX and spoke with XXXX ( # XXXX ) who reviewed my bill with her supervisor and corrected it, She also sent a request to remove my account from the third party collections ( # XXXX ). On XX/XX/XXXX contacted XXXX to check on the status of my account and it was still in collections. The customer service representative stated that the first request was denied and the collection agency refused to remove at the request of XXXX. She then created a second ticket ( # XXXX ) which requested that the account be removed from collections. On XX/XX/XXXX the collection agency updated the payment amount from {$510.00} to {$360.00}. I contacted XXXX on XX/XX/XXXX and referenced that second request for my account to be removed form collections. I was informed that the collections agency denied and requested payment. I then contacted Southwest Credit and inquired about the request form XXXX and they stated that they never received any request. They took my information and stated that they would call me back. I continued to call XXXX between the dates of XXXX and XXXX to request my final statement and to request that the third party collection agency be removed from my account. XXXX repeatedly told me that they did not have to provide me a final bill and requested that I pay them the amount of {$360.00}. I informed them that I was told on several calls that I would get an updated bill in the mail. The customer service representative on XX/XX/XXXX told me that they do not have any function which will allow them to send me an update statement for the changes in the charges. I requested to speak to a manager and supervisor which they informed me that my bill was sent to collections in error but stated that they would not remove it until I paid XXXX {$360.00}. I requested a my updated statement again but XXXX refused to send me one. I then requested another ticket be generated to remove from collections but they denied stating that XXXX tickets hade been sent already. The manager of XXXX then stated that I needed to pay today or my account will stay in collections. She continued to recognize the error in billing but stated that once the bill is paid they would remove form collections. I informed her that I would submit payment once I had the ability to view my updated statement and that the third party collections was removed from my account. She stated that she would not send me the bill and that I should trust her that my balance is accurate. She reported that the collections will remain until I pay.
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Company believes the complaint is the result of a misunderstanding | I have been contacting XXXX, XXXX, & XXXX for over a year to have them remove the " open '' collections that clearly states it was discharged thru my bankruptcy. XXXX has since removed these from my credit. However XXXX and XXXX has then reporting as " open '' not only that I am showing XXXX collections for the same debt that was discharged. I 've made several attempts to have these removed from showing open collections with no results, except from XXXX. I understand these are in my bankruptcy, however they are not " OPEN ''. I have been discharged from these.
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Company chooses not to provide a public response | On Friday XXXX/XXXX/2015, my check account said that check # XXXX in the amount of {$50.00} was paid and that I had a balance of {$24.00}. Therefore I assumed that the check was paid as they listed it as being paid. Today XXXX/XXXX/2015 my account shows as being overdrawn. I was charged a fee of {$12.00} and had {$50.00} removed from my savings account. I have been with the bank U.S Bank for many years and my bank has never been misleading. I feel that I was misled.
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Company believes it acted appropriately as authorized by contract or law | My doctors office, XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, tried to defraud my insurance carrier and myself by billing XXXX for the same visit with XXXX different billing codes. I tried to resolve the issue with the doctor 's office directly. After being given the run around, I filed a claim with the Texas Department of Insurance and XXXX. The doctors office corrected their bill and resubmitted the claim. The claim was then paid correctly by my insurance company. During all of this, I received a letter from a collection agency, RS Clark and Associates. I contacted them to ask for validation of the debt because I was told by the doctor 's office that they did not turn in my information. I then called them several times and never received a call back. I looked at my credit and I have a derogatory mark for an account in collections. I have asked them to remove it and they say they can not.
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Company chooses not to provide a public response | I opened up an account at Bank of America in XXXX 2013. That same day I asked about getting a {$100.00} loan to the bank teller. She takes me outside to the ATM machine and pressed the loan button and requested {$200.00}. I was trusting that she knew what she was doing, but a couple days later I found out my account was closed and I could n't use any bank anymore. You can see on camera that she was the one with me requesting the loan and she is shown on camera pressing the buttons a couple of times. I have no record, no fraud, I dont even owe any banks and I 've been with about XXXX diffrent banks before.
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Company chooses not to provide a public response | My former bank kept my bank account open by putting and taking money out of my account so they can keep charging me fees
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Company believes it acted appropriately as authorized by contract or law | I did not open a XXXX account back in 2013 like its showing on my credit history. Nor have i had a XXXX account in the past 7 years.
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Company believes it acted appropriately as authorized by contract or law | I received a letter stating the following ...
according to our records you failed to appear in court as ordered on XXXX XXXX 2015. As a result of your failure to appear, the court has ordered that a bench warrant may be issued and sent to the sheriff with bail set in the amount of {$250.00}. At this time, I am extending you a 10 days from the date of this letter to contact my office. If I do not hear from you within that time, I will consider having the warrant issued. Please conduct yourself accordingly. Yours truly the Law Offices of Edwin B Perry attorney for XXXX XXXX XXXX XXXX this communication is from a debt collector this is an attempt to collect a debt any information obtained will be used for that purpose.
I contacted phone number XXXX XXXX XXXX and was transferred to XXXX who stated he was the case manager and his phone number is XXXX XXXX XXXX.
I offered a payment of {$150.00} and monthly payment of {$40.00} a month. He stated that this was not acceptable and that they would be moving forward with the bench warrant if I do not contact them within the 10 days and make a payment that would be on their terms.
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Company believes it acted appropriately as authorized by contract or law | This debt has been showing up on my credit report for few years now. I talked to someone representing this company ( XXXX ) few years ago and even had everything clarified. But, I believe 2 years ago maybe, the innacurate information showed up on my credit report again. If I remember correctly, it was a computer wich was paid for with a personal check with my name printed on it. After 4 days it was returned with receipt. But we did n't get a refund at that time. We were told that we would have to wait another week because it was paid by check allegedely, so the check had to clear with their bank to get a back. So XXXX got their product back and decided to report us for years as thiefes? In fact i think maybe they owe us close to {$700.00}. I am a XXXX XXXX and I have been discriminated because I cant run around or call all day to find out what happend.. I think XXXX of their own employees stole my refund,
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Company chooses not to provide a public response | I purchased my home in XXXX. The financier is no longer in business. XXXX XXXX was the servicer. I was XXXX retired in XXXX and refinanced with Countrywide toward the end of XXXX because of financial difficulties. XXXX of XXXX Bank of America coaxed me into refi-ing with them due to low interest rates. In XXXX I faced a financial hardship due to a relationship ending. I was told I would n't qualify for a modification until I was 4 to 6 months behind on my mortgage payments. Once I was finally accepted into a trial period I discovered my mortgage was not valid as it had been separated from the promissory note in order for BOA to securitize and sell it as well as capitalizing on the promissory note by selling and or securitizing to sell once or many times over. My mortgage is a VA backed mortgage and XXXX XXXX was the holder or trustee of the mortgage note security. XXXX XXXX most likely held the promissory note as well. Being that XXXX XXXX is government run I have no way to get and or trace any promissory note securitizing information and can not get the mortgage security tracking information as well. I asked the bank to provide this info but have not received it. When I asked for and tried to get back the money/interest the bank made off of my signature on the promissory note, I was denied and not provided with any ability to appeal and now the 3 year statute of limitations has passed and the bank has claimed my money and interest money made from the promissory note as abandoned to claim it for themselves. Incidentally or additionally BOA owes me interest and money on all transactions that I made through BOA via checks written, credit card use and debt card use ( except for withdrawing money ) before 3 years from now as they were all securities I created with my signature and the bank did n't disclose this to me or pay me.
They filed an assignment of mortgage through MERS to my county ( XXXX XXXX, FL ) public records that has been verified robo signed, fraudulent and was filed after sanctions, regulations, judgments and laws expressly disallowed this type of mortgage assignment.
I feel BOA should be required to reimburse or pay me at least 30 % of the profits made from my promissory note, mortgage note regardless of the statute of limitations. They made money from my signature without disclosing it to me and not sharing any of the profit ... time to pay up.
The loan modification papers would have stripped me of most if not all rights, consumer rights and home owner rights.
They are currently trying to get me to accept a new loan modification. The wording is vague and does not state exactly and explicitly that I am or will qualify for a permanent modification and what the new mortgage amount will be as well as monthly amount due. It will be worded again to strip me of all my rights despite having an attorney and the court overseeing it. I feel or allege that BOA will wait a few months after the permanent mod and inform me that I no longer qualify for the mod and they are foreclosing but I wo n't have any legal recourse because of the signed mod contract. My refi was done XXXX XXXX and thus does n't qualify for any of the settlement modifications so I know it will be canceled.
Also note that the refi date was after the bank bail out and sanctions, regulations and laws were put into place that should have prevented them from separating the notes and making significant amounts of money off of me and my notes without my knowledge.
I understand that BOA was not held accountable or liable for their practices because of all who were involved and that it is unfair to make the courts deal with these issues and the courts are forced to decide whose toes they have to step on ... which is usually the home owner as they do n't have the money and power the bank does. That does n't make it right for BOA to act above the law or allowed to.
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Company chooses not to provide a public response | I filed a complaint against Ally regarding my car loan earlier today however I finally was able to speak with an agent and learned why I have had so many issues during the four years. When Ally credits a payment they credit the payment to next or current car payment but do not credit any of the funds to any amount that may be " in arrears ''. When the next payment comes in they continue to credit the entire amount to the next payment regardless if there is a late fee or shortage in the previous/current month on the account. This keeps the customers account in a constant shortage which then incurs additional late charges and sets the customer up for reporting to the credit bureau. This is what has been happening to me since I became an Ally customer over 4 years ago. I have complained several times to Ally but they deny doing anything wrong. Today " XXXX '' told me how Ally credits payments which explains why/how Ally has been overcharging me for the last 4 years. Per " XXXX '' this form of accounting is perfectly acceptable. If this is the way a bank/credit union is suppose to credit payments then I have several other accounts to file complaints because none of my other lender do this underhanded accounting. I make more than XXXX payment per month so instead of Ally crediting my payments to current month or any arearage they are crediting payments to potentially future payments and leaving me with multiple late fees. When I make a payment I expect the money will be credited to what I owe - late fees, current monthly payment if additional to principle. I expect this every month.
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Company can't verify or dispute the facts in the complaint | Checksmart XXXX collections office has been harrassing me for 5 months. I have informed them multiple times that they have the wrong number. They are attempting to reach a woman 's home phone number and are instead calling my cell phone every day. The agents are extremely XXXX and XXXX toward me and i have never done any sort of business with tgem. I have inforned them on XXXX occassions i would be filing a complaint against them if the calls continued yet they still continue. ( XXXX ) XXXX is the number they call from. When you call back their answering service is de eptive as well.
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Company chooses not to provide a public response | In XXXX XX/XX/2015 my wife & I were pre-qualified for a new primary residence home mortgage through Bank of America. We found a home we wanted to purchase & on XXXX/XXXX/XX/XX/2015 our offer on a new home was accepted by the sellers with a close date of XXXX. We immediately forwarded all the information to BofA to start the loan process. We provided all information that the bank requested and responded to them with any additional document requests the same day they requested them. Our closing date came & went and they only explanation we were provided was that our file was very complicated. On Tuesday XXXX/XXXX/XX/XX/2015 we were finally told that our loan had been 100 % approved. On Wednesday XXXX/XXXX/XX/XX/2015 the bank then informed me that not only was the loan not approved yet, but they wanted an additional {$140000.00} of liquid assets in order to close. After speaking with the bank, they then amended the requirement to {$15000.00}. I was able to come up with the additional assets that they required the same day & now it is Friday XXXX/XXXX/XX/XX/2015 and I still have no answers from the bank other than the file is in underwriting.
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