Datasets:

AdiOO7

/

consumer_complaints

like 0

Company believes it acted appropriately as authorized by contract or law

My loan from WJ Bradley Mortgage XXXX ( WJB ) was service transferred to XXXX in XXXX. I had already paid my XXXX mortgage payment to WJB in late XXXX the amount of {$4000.00} with check # XXXX ; they received it and credited our account on XXXX/XXXX/2015. Unfortunately, because the service transfer was set up prior to my first mortgage payment, but the actual service transfer occurred after my first payment, the loan amount at XXXX does not reflect the correct principal on my loan. I keep calling XXXX and the phone center personnel either disconnect me, do n't call me back or ca n't help me. I have written a letter documenting the problem to them. I will attach it.

Company chooses not to provide a public response

I tried to get my free report today. I could n't remember if I had opened up a new credit card in 2011, so they said I could n't verify my identity. I tried again tonight and was denied access this time they claimed I had already accessed all XXXX and they wanted me to pay {$9.00} for each. When I tried to complain on the site 's complaint form it kept rejecting it saying my typed paragraph was invalid. I was just given the run around unless I wanted to pay money. Very misleading & disappointing.

Company chooses not to provide a public response

I have disputed a debt within 30 days of receipt of my initial notice ; however, the company still reported 2 months later to credit agencies. As a result they have damaged my credit and my reputation.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian has shared my credit report to specific merchants who had no permissible purpose. The companies are listed on the attached letter.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

My father has been in the hospital since XXXX XXXX XXXX unable to handle his finances. We called XXXX XXXX to gain access to his accounts with the Power Of Attorney papers which they would not accept over the phone. They required us to bring it and us to a bank branch with a notary in house. The closest one was 4 hours away so we left work midday on XX/XX/XXXX16 and after 4 hours we supposedly left there with the ability to log into www.wellsfargo.com and create a user name and password to handle my fathers accounts. Except the credit card they sent the paperwork to that department and said that it could take up to 4 weeks before we can access it. We drive 5 hours home ( rush hour traffic in XXXX ) and upon trying to do as instructed it said that it could n't find my information to call an XXXX number so I call and the woman says that I need a reference number repeatedly and something about the account being locked. Monday XXXX/XXXX/16 I call as soon as the branch opens and ca n't get XXXX but XXXX says that we have to be there in person with our ID for the online people to unlock the account. You have to be kidding right? I call back and he says that he will see what he can do. Hours later I call and get him again and he says that every time he tries to call he gets interrupted and just after talking to him XXXX calls and she says that she will check on this and call me back. Here it is after XXXX here in XXXX and still no access. After we got home also I called to check on my father and he is getting worse and may not be here much longer. If I spent the last weekend of my fathers life playing games with Wells Fargo instead of seeing him this is sad and pitiful what they do to people.

Company chooses not to provide a public response

SUMMIT FINANCIAL REPRESENTATIVE XXXX XXXX CONTINUES TO LEAVE DETAILED VOICE MESSAGES ON AN OPEN ANSWERING MACHINE. XXXX XXXX HAS THREATENED ACTION, TAUNTED FOR NOT ANSWERING PHONE, AND LEFT BILLING ARRANGEMENTS ON THE ANSWERING MACHINE NUMEROUS TIMES. AT NO TIME DOES HE STATE IS ATTEMTPING TO COLLECT A DEBT, OR ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

On XXXX XXXX, XXXX, I faxed the attached letter, dated XXXX XXXX, XXXX, to XXXX XXXX XXXX, Loan Specialist, America 's Servicing Company, LLC, ( " ASC '' ), which is the servicer for Wells Fargo Bank, N.A., which is the agent for the lender XXXX XXXX. XXXX XXXX XXXX is the Home Preservation Specialist assigned by ASC to correspond with me regarding my loan modification application, dated XXXX XXXX, XXXX, copy attached. My XXXX XXXX, XXXX letter states my proposal for a reasonable loan modification, based on a {$400000.00} principal amount, a 30 year term, and a 5 % fixed annual interest rate, which is above the current market rates. Wells Fargo Bank , N.A . had obtained the Appraisal, copy attached, of the collateral real property XXXX XXXX XXXX, XXXX, MD XXXX, as of XXXX XXXX XXXX, which Appraisal determined the market value of the property to be {$380000.00} as of XXXX XXXX, XXXX. In my Chapter XXXX Bankruptcy Case No. XXXX, the attorneys for Wells Fargo Bank , N.A . signed a Consent Order, dated XXXX XXXX, XXXX, copy attached, which Consent Order stated the same terms of the modified mortgage which terms are stated in my XXXX XXXX, XXXX letter. ASC has not accepted my XXXX XXXX, XXXX proposal for a loan modification, which proposal is a reasonable proposal, which was accepted by Wells Fargo Bank , N.A . on XXXX XXXX, XXXX, which proposal agrees to modify the loan at the higher principal amount of {$400000.00}, which is {$20000.00} above the most recent Appraisal amount of {$380000.00} obtained by Wells Fargo Bank , N.A . as of XXXX XXXX, XXXX. I would like ASC to manifest its good faith by accepting my reasonable proposal.

Company chooses not to provide a public response

I applied for Experian social security and credit protection. I submitted {$5.00} via debit card to Experian to allow XXXX XXXX XXXX XXXX XXXX XXXX ex XXXX ) to verify my credit score Experian told me that my account would be open foe 90 days until XXXX XXXX, 2016. XXXX XXXX of XXXX XXXX XXXX could not access the account to verify my credit score. Experian then told me to have XXXX call a number XXXX credit file services that never replied to XXXX. I then had a conference call with XXXX and Experian and the Experian person told both XXXX XXXX XXXX and myself that within next XXXX hours XXXX XXXX XXXX could submit request for verifying my credit score. Once again Experian rejected the credit verification. The remaining option is to pay Experian {$15.00} to fully release my account from being held hostage. IF THIS IS HAPPENING TO ME it could be very well happening to millions forcing the {$15.00} payment for release of account. If this is not a systems and procedural failure by Experian then it may be potentially something more serious worthy of investigation.

Company believes it acted appropriately as authorized by contract or law

Hi, I refinance my house with Lenox financial which I was told the check I wrote during the escrow would be refunded to me but only about half was return. The realtor has stopped working with me and does n't return my call or my email complaint. Could you please help? XXXX XXXX

Company believes it acted appropriately as authorized by contract or law

I opened a checking, savings, secured credit card, investments, and ROTH IRA with USAA bank. From hearing from friends and family of how happy they were with the service, that is what prompted me to open accounts with them. So far I have been extremely happy, until XXXX XXXX, 2015 when I tried logging on to the internet to view my account balances. I receive a message stating " Due to past difficulties, we can no longer offer you access to usaa.com. If you feel that we have restricted your access in error, please call toll-free XXXX. ( XXXX ) '' I immediately contacted the bank and was informed that they will be closing my accounts due to a criminal record that was discovered. At no point in time before, during or after was I informed of a criminal record check, nor did I ever authorize for my records of any sort to be accessed. After reviewing their account opening agreement, and other disclosures, nowhere does it state that a criminal record search maybe conducted and/or may bar you from an account.

Company chooses not to provide a public response

On XXXX XXXX of 2015 my savings account at Citibank was hacked into. XXXX unauthorized withdrawals of {$500.00} and {$300.00} were made by unknown individual. The problem was reported to Citibank via the phone the next day. The bank declined liability for this and have not reimbursed me for this loss. According to the research I have done, they are responsible to reimburse me for my loss, but they are denying.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I have a private loan with Wells Fargo that I have paid on time religiously for 4 years. The payment is $ XXXX but I always pay {$200.00}. Over the years I frequently paid well before each month 's due date so that I would not forget. Recently, I received an email that my XXXX, 2016 payment, due on XXXX/XXXX/2016, was past due. This was confusing as I 'd made the XXXX payment on XXXX/XXXX/2016 -- after I paid the XXXX bill on XXXX/XXXX/2016 ( due on XXXX/XXXX/2016 ). I do n't think it is unreasonable to assume that, given my history of early payments, and that my XXXX payment occurred after the XXXX payment and billing cycle, that my XXXX/XXXX/2016 payment was intended for XXXX. I called Wells Fargo and was told that any payment made 20 days prior to the due date would be counted as an additional payment, not for the next month due. I should be clear again that I did n't overpay XXXX by {$200.00}. I made a separate payment of the same monthly amount that I always had, frequently very early, with no issue at all. I was told that the XXXX/XXXX/2016 payment could not simply be applied to XXXX but had to be refunded. I was then told that, because I do n't have a Wells Fargo checking account, that my payment would have to be refunded by mail, which would take " a minimum of 3 weeks. '' I was having this conversation with Wells Fargo Customer Service on XXXX/XXXX/2016, 6 days after the XXXX due date. This meant that Wells Fargo 's own process for refunding a payment that should have applied to XXXX would indeed have made me delinquent for the month. Is it fair that a financial institution can structure payments and refunds in such a way that it makes an otherwise responsible and timely customer delinquent on their debts? I raised this question to the Wells Fargo staff who informed me this was " just the way it is. '' To which I responded with skepticism, saying that this new system was probably just an inventive way of generating late fee revenues in a low interest rate environment. The representative said nothing. I called Wells Fargo again today, XXXX/XXXX/2016, to ask about the status of the refund. I was told it would be returned in the same manner in which I paid -- electronically to my non Wells Fargo checking account. This is welcome news but in direct contradiction to what I was assured was the only method of refund just 1 business day prior. Even the representative today could n't explain the change ( which had not been pro-actively communicated to me in any way -- as far as I knew I should be watching for a paper check in the mail in 3 weeks time ). Was the initial response on Friday a way to make me open an account with Wells Fargo that I otherwise would n't have? I have no idea but the inconsistency is as unprofessional and unfair as the initial insistence on delayed paper check refund itself. This is unacceptable behavior from a financial institution that has a responsibility to treat clients with respect and holds so much power over that individual 's credit history.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I have an existing home loan with CitiMortgage. I have automatic payments made from my credit union on the XXXX day of every month via a bill-paying service. I was charged a late fee of {$48.00} in XX/XX/XXXX because my payment was received on XXXX XXXX ( it is due by the XXXX ) My credit union statement shows that the payment was deducted from my account on XXXX XXXX. I checked with the bill-paying service, and they sent me a " proof of payment '' document showing that the payment was RECEIVED by CitiMortgage on XXXX XXXX at XXXX XXXX. CitiMortgage appears to be charging a late fee on a payment that was NOT late!

Company chooses not to provide a public response

Someone opened a Bank Of America credit card in my name, fraudulently, on XXXX/XXXX/XXXX, maintained the account for four months in order to increase the credit limit, ran up a {$5500.00} bill in the interim, and then stopped paying, after which Bank Of America promptly closed the account on XXXX/XXXX/XXXX. According to XXXX, " According to our records, on XXXX/XXXX/XXXX Bank of America # XXXX was deleted from your XXXX credit report per the police report you provided. On the same day, Bank of America was notified the account was deleted. However, on XXXX/XXXX/XXXX, Bank of America reinserted the account to your credit report ''. I did not open this account and I do not know who did. I 've faxed a copy of the XXXX XXXX XXXX Police Department 's Police Report along with a notarized I.D . Theft Affidavit to the bureaus and have attached them here as well. After repeated requests, the bureaus & Bank of America refused to provide me with any information obtained from their investigation and with anything regarding their rationale for reinserting the credit item. I need the credit item being reported to the credit bureaus removed from my credit file immediately. I look forward to your response,

Company believes it acted appropriately as authorized by contract or law

I co signed for my sisters apartment. I agreed to help her with her first year. After the first year my mom, and my sister went into the rental company, and told them to take my name off. That i didnt want to be on it for the second year, and that I wasnt going to sign again. They told my mom and sister, no worries he doesnt need to. At that point my mom offered to go on the lease with her to replace me as well. They told her she was not needed either, all payments were made on time, and my sister was fine. The rental company clearly knew I wasnt ok with being tied into the lease agreement for a second year. My sister got in legal trouble towards the emd of the lease. The rental company calls me saying i am responsible for the place and that I need to come get her stuff. I made it clear then I was to be removed from the lease. They started to argue with me so I went in in person. They told me they just wanted to get her stuff out that they were not going to come after her to collect on the lease. So I dropped it and removed her belongings from the apartment. Well a couple months later I get a bill for XXXX + dollars. I called immediately and was given the run around again. I asked for a copy of the lease they said sure come pick it up. I drove the whole way to them, and they said I cant have a copy of the lease. They also refused to give me a copy of the move out report from my sisters roomates for the first year she was there. As alot of damages that were on this bill were done by them, as well as my sister. They could not produce those documents either. I told them I wasnt responsible for the debt. I have told the collectiom agency the same story, and the gentleman on the phone tried to threaten me. Saying I will mo longer be able to buy a home, or a car with my credit of I dont pay. Which is a total lie and made me angry. I secure loans for people for a living other than this mess i have over XXXX on time payments on record without XXXX late payment. I pay MY debts. However this collection needs removed from my credit immediately.

Company chooses not to provide a public response

Experian has not removed an item in which I have advised is beyond the 7 year time period. XXXX erroneously is providing the first date of delinquency. It is not XXXX of 2009 in which XXXX is reporting. It is XXXX or XXXX of 2009 which this item would be deleted off my report. The payment made to comcast I was told in XXXX 2009 by my cousin was for previously owed bills. The remaining balance was for XXXX, XXXX and XXXX for a total of XXXX dollars making the first date of delinquency in XXXX.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian is absolutely refusing to do a proper investigation of these XXXX accounts. XXXX XXXX XXXX - XXXX and XXXX XXXX XXXX. Neither XXXX of these accounts have been updated by the original creditor, which means they never contacted them. The dates for the first delinquency is in question and the high balances are not correct.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I have used the Macy 's card on my account for XX/XX/XXXX and XX/XX/XXXX to pay for some things at the Macy 's store in XXXX MA. However, today is XX/XX/XXXX and I only learned that my account was overdue 2 weeks ago when they phone called me to notify me. They have added XXXX late fees on my account already XXXX of {$39.00} and XXXX more of {$29.00} dollars without warning me ahead of time. I was expecting their mail statement but they have never sent me XXXX until I requested the person that phone called me XXXX weeks ago to do so. On XXXX XXXX I spoke with XXXX XXXX ( Manager ) at the collection department who was very rude and verbalized to me that I used their card and that I do n't want to pay now. No need to mention that I felt so offended With her statement. Nevertheless, I asked XXXX to waive the late fees since it was their fault for not mailing a statement to me before but she stated that I was supposed to call them and ask about my bill and that they have no obligation to mail me anything. I friendly verbalized to XXXX that I would not know how often they generate their statement and for that reason I would not call as it has only been 2 months and considering the fact that every company generate their statement differently. Some generates it every month, others every3 months, etc.. XXXX XXXX my argument irrelevant and stated she is not going to waive anything for me.

Company chooses not to provide a public response

I have been customer of Bank of America for about XXXX years. in XXXX 2013, I was out the country for about XXXX month and realized that I had left my wallet and debit card in the taxi I had used to go to the airport and when I got back, I immidiately went to the bank to check my balances and also to report that I had lost my card. However, I was told that someone had used my card while I was out of the country and I was told that some had been using my debit card while I was away and I toldvth ed m that I was XXXX unabl ed to contact the bank and they told me to submit some kind of document that proves that I was n't here when those unauthorized transaction occurred and I did submit a photocopy of my passport and my air Fair to prove that I was out of the country. After doing all that, I called the bank to Ask them if they are going refend the amount that was taken by unauthorized person but I was told that my claim was rejected and they couldnt do anything about it. I was really angry and disappointed because they failed to resolve my issues and as a result of that, my account got terminated and now I am unable to obtain a debit card. I have reported repidetely for my claim to be reconciled but they failed to resolve the issue. I am left with biterness and dissapintment.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

My name is XXXX XXXX on XXXX XXXX 2016 I was pre qualified for the home I wanted to buy in XXXX XXXX by suntrust mortgage loan number XXXX. My credit score is over XXXX I have been workin for the same company for 8 years and I have money in the bank. After an enduring process of all these unheard of stipulations they had me doing which went on for more than 2 months harassing my boss constantly on the phone and getting him to write letters, as if i havent been working and paying my taxes, Also including work on the house before I owned it telling me i was conditionally approved if I fixed certain things, I had to get a licensed contractor, a licensed ac guy, and a licenced electrician which cost a pretty penny I met all there demands. I feel these people from suntrust were biast towards me because I 'm from XXXX they were n't acknowledging me throughout this process constantly ignoring me and my phone calls not being helpful with the loan process which we know can be a hassle actually making it more difficult for me because it 's my first home. I 'm an American from a XXXX backround my father was a XXXX XXXX and retired one in the great city of XXXX they treated me like I was n't raised XXXX yrs in this great free country we call the United states, My closing date was XXXX XXXX that week the lender wasnt ready with the paperwork instead of giving reasoning to why they were n't going to make the closing or to get in contact with the seller or title Co to extend my closing which was XXXX XXXX, At XXXX XXXX on XXXX XXXX they called me on the phone and verbally declined me, no email nothing written on paper stating why they declined my loan which the law requires to be done. I felt they were XXXX and biast towards me because there is no reason to deny me the loan I meet all the necessary credentials. All I want is to live the American dream and buy my first house a place I can settle down and eventually raise a family. Thank you for your time XXXX XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Back in 2003, I returned to college at XXXX years old to change careers from working XXXX and went into court reporting to get a better paying job and hopefully help secure my eventual retirement. Advancing my XXXX degree in XXXX XXXX would not offer enough pay to offset school loans and why I decided to try court reporting school at the XXXX XXXX XXXX XXXX in XXXX, Oregon because they said the job started out paying {$40.00} to XXXX upwards to a XXXX figure income eventually and the course would be completed within 2-3 years. I had already attended art school for a year, but figured I still had enough financial aid to cover 2-3 more years and therefore signed up. In short, I and about 10-15 other students sued the XXXX XXXX XXXX XXXX for breach of contract after finding out the XXXX XXXX XXXX XXXX said on average, it takes 5-7 years to complete the course and we won a judgement against the college 's insurance company. Of course, the insurance company denied culpability, our attorney dropped out not having resources to fight an insurance company, and none of us have found any attorney willing to take on the contested judgment. After 4 years of court reporting school, I ran out of financial aide and had to quit school. Now, although I was able to get out of my counseling job paying {$13.00} an hour after 12 years of service with that agency, now as a sales consultant I am paid {$15.00} an hour and have about {$100000.00} in student loan debt. I recently consolidated my Federal loans and waiting to hear approval for an income based repayment plan, but XXXX and Wells Fargo do not offer alternative affordable payment plans. I sent in copies of all my bills, a payment stub, a copy of the judgement and a letter explaining everything to XXXX and Wells Fargo, but say that according to their rates, I should be able to make their payments. In attempting to avoid default and have been a month behind for at least the last 4 months, I found a roommate to share expenses a month ago, but with moving expenses and new apartment deposits, I am still struggling with being able to make payments. Wells Fargo suggest that once my federal loans get finalized, I should apply for a forbearance to catch up with them, however at the rate of both XXXX and Wells Fargo expected payments, I will run into the same problem once that forbearance is done. And their lack of willingness to work with students shoves the interest rate accumulation to the federal loans when doing a forbearance. Both XXXX and Wells Fargo call me, on average, 4 days a week, XXXX times a day and while I am at work. Despite my repeated explanations to them that I can not take phone calls at work and repeated explanations are given each week, they continue the repetitious calls until I make a payment and then a week and a half later it starts all over because by then I am a month behind again. I am now a XXXX year old woman and under incredible stress with all of this resulting in XXXX car accidents last year sky rocketing my insurance rates and still with attempts to reduce my living expenses, I have been depleting what little retirement I had from my Mutual funds and IRA to be able to meet living expenses. At this rate, there will be nothing left way before I get to retirement age. My immediate concern is that XXXX and Wells Fargo will eventually garnish my wages despite everything I am trying to do. I have just basic living expenses and no car payment or credit card bills and still ca n't meet their school loan payments. Apparently, obtaining a legal judgement is only as good as how much money you have to fight big corporations holding vast wealth. I do not know where else to turn and desperate for help.

Company chooses not to provide a public response

I was fraudulently charged XXXX by a cosmetic internet dealer. Instead oftelling telling me to return the merchandise BofA employees gave me "bounce" protectection which added XXXX ISF charges. A week later the same thing occurred again and when I noticed the XXXX overdraft and went to the bank. No help was forthcoming. I returned four more times. Same result. On the 6th visit I was given a busy phone line which no one ever answered. On the 7th visit I was given another "executive" complaint line which no one answered. On the 8th visit I encountered a new face who said "return the merchandise and we will try to fix things". Another intern -net transaction occurred raising the total to around $900. Finally today I was told nothing could be done and to pay XXXX and cancel the card. I told the bank 'executive' I would rather go to court and tomorrow morn- ing I will be talking to a lawyer about it. What advise do you have? XXXX the bank to inquire as to what had happened. I was not helped at all and returned 5 more times. XXXX visits

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I 've been experiencing financial problems and have been paying on my Macy 's credit card. Although it 's not the complete payment, it 's something. I have explained to the agency what I can pay and when and their repeated calls are really annoying. The calls have been going on for quite some time but I 've started to count the calls and between XXXX - XXXX I 've received XXXX calls as I 'm writing this letter. the numbers they use are XXXX or XXXX. What rights to I have as a consumer?

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I received my Bank of America Travel Rewards credit card back in XXXX of XXXX. I wanted to wait a couple months to activate my card, so I called and verified that if I wait a couple months, then I 'd still have 90 days from the day of activation to acquire my XXXX points. The customer service rep that I spoke with verified. XXXX/XXXX/XXXX I activated my card and they said I have 0 % interest till XXXX XXXX. I called today to see if they could extend the 0 % interest to 12 months from activation, but they told me no. I said that I 'd like to verify that I still have 90 days from activation to acquire the XXXX points and they told me no, that it was from the day the account was created and not activated. I was misinformed by the representative that I spoke with back in XXXX. I 'm upset about being given the incorrect info back in XXXX, so I asked to speak with a manager, so I was transferred to XXXX XXXX from the West Virginia call center. He told me there is nothing he could do and that that no one would be able to adjust this for me. I explained I was upset about being told the wrong info when I called in XXXX and that this makes this Travel Rewards card useless to me. I told him that I was going to file a complaint, but he said there is nothing that can be done. It 's disappointing about the 0 % interest is from the date of opening the account and not activating, but I 'm upset about being told the wrong information about the XXXX reward points ( the whole reason I got this card ). If nothing can be done, then I might as well just close this account.

Company chooses not to provide a public response

Bank of America debited from my checking account a check belonging to a different account holder. My account and the check issuer 's account differ by XXXX digit. The image of the check as shown on my online banking clearly indicate the mistake. I am appalled at the lack of transaction controls at BoA. My checking account did not have sufficient balance to cover the check. A check which I did not issue and did not expect to post to my account! In the process, my account was overdrawn. I called BoA customer support the next day. I was assured the debited account and NSF fees would be refunded in 5-7 business days. During this period, BoA charged me a further {$35.00} as extended overdraft fees! I has been over a month and I am yet to see a refund for the {$35.00} NSF fee and {$35.00} extended overdraft fee. My account is still overdrawn pending refund of these fees which were caused by faulty BoA systems.

Company chooses not to provide a public response

Numerous entries on credit report for the same account/loan

Company believes the complaint is the result of a misunderstanding

Due to misrepresentation of services and fraudulent practices, we are stuck paying {$4900.00} lump sum in future monthl payments for a product we do n't use Due to misrepresentation, we were stuck in a 48 month contract that did not perform like promised. Now, we are expected to pay {$4900.00} up front. We started working with XXXX XXXX in XXXX 2015. XXXX XXXX promised in writing a 1 % rate on all CC transactions and 0 % debit card transactions. It was never disclosed that we would be working with another company ( XXXX XXXX ) We were also promised a XXXX machine that would be compatible with quickbooks for accounting purposes. We were sent a different model of key pad, but I did not complain since we were going to be saving at least 2.5 % ( 1.5 % more than promised in writing ) on all transactions. For the first few months, I noticed we were getting charged anywhere from 5 % to 9 %. After trying to get a hold of XXXX XXXX, I finally got a hold of XXXX XXXX of XXXX XXXX ( XXXX )? We had to settle for 2.5 % that she refunded for a few months. Then it became difficult to get a hold of her, and we were not receiving any refunds for being charged 9 times more the percentage than promised in writing. I finally faxed a termination/cancellation letter to XXXX asking that we cancel with XXXX, XXXX XXXX ( I had just learned that they were involved in the actual contract ), and any other companies involved. I stopped payment being taken out from any companies that I did not recognize through my bank because we were n't using their services. I get a letter from XXXX XXXX about an amount owed. I called back and told them that it was cancelled due to non-performance and misrepresentation. They said that it was impossible to cancel. I was reported to the credit bureaus for non payment on personal and business and chased down by Hunter Warfield for the remainder balance for a service that was misrepresented and lied about in writing. I need this to be taken off of my credit report and debt forgotten.

Company disputes the facts presented in the complaint

To whom it may concern, XXXX finance, XXXX XXXX of XXXX, and there investors are continuing the felony harassment of myself and my wife. Every since we sent a complaint to Consumer Finance. gov, these companies have increased there harassment again. The most significant harassment happened on yesterday ( XXXX - XXXX - XXXX ) around XXXX at krogers on XXXX next to walmart XXXX XXXX. Aqua finance had some of there XXXX try and scare us as we were leaving the store. XXXX walked by us as we were leaving the store and said in a real low voice be careful and then once we got to our car that same XXXX got into a car that was parked right next to ours. As they drove away they yelled out something that sounded like SOON. We are n't leaving our home and we will defend ourselves by any and all means. If this continues we will involve the media! Note : We recently submitted a complaint on XXXX Finance 's Rip Off web site and I seen were this company along with there investors have had almost XXXX XXXX complaints filed against them! Why are these companies still being allowed to stay in business. Why are n't these XXXX being arrested! Whenever our case ends up in court, we will reach out to other victims of Aqua finance, XXXX XXXX of XXXX, and there investors. We will get the media involved and make sure these companies get exposed for the criminals that they are! It 's XXXX 's XXXX weekend and now these companies think there going to commence there Holiday Harassment! Today XX/XX/2015 these companies XXXX are going crazy, acting like they are going to hit us wth there vehicles and run us off the road. A typical holiday weekend for us!

Company chooses not to provide a public response

This account is reporting inaccurate # XXXX and this account XXXX does not belong to me. The accounts being reported inaccurately are hindering me from gaining a proper credit rating. I request that agents of Transunion go beyond a cursory investigation into this mater.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

We had a loan with countrywide aka BOA and it was sold to specialized loan services. BOA foreclosed on the property after 5 years. BOA and XXXX XXXX services are both showing on my credit report. I never signed any papers with this company and have no affiliation with this company, yet it is on our credit report. These companies were involved in a class action lawsuit about this issue.

Company chooses not to provide a public response

I am disputing an account with Experian that is showing as collections with a company I have never done business that does not belong to me. Experian needs to delete it. It is not on my XXXX and XXXX credit reports.

Company chooses not to provide a public response

Said I was 30 days late for a bill or payment XX/XX/2016. I was not late or at least tell me what bill was late!!

Company chooses not to provide a public response

I moved XXXX in XXXX 2015. I had a contract on a house for {$560000.00}. I planned on putting 20 % down and obtaining a 80 % loan from XXXX XXXX. She informed me that I had XXXX late pays from BB & T on a HELOC loan I had with them on my house XXXX. I was livid because I knew I had on late pay in XXXX of 2015. The credit report showed XXXX late pays, XXXX in XXXX and XXXX in XXXX of 2015. I called XXXX XXXX and XXXX XXXX of BB & T to find what was happening. I was never able to get a definitive answer from either man. Only after numerous calls from XXXX XXXX of XXXX XXXX was I able to get a letter from XXXX XXXX ( letterenclosed ) .I was only able to get a first lien from XXXX XXXX for {$410000.00} at 4 1/2 % and a second lien from XXXX for {$38000.00} at 5 1/2 % because of the erroneous late pays turned in by BB % T. Now, 5 months after my closing, I went back to XXXX XXXX to obtain a new loan that would reflect the current loan market. What do I find. The new credit report she obtained had the same XXXX late pays from a year earlier. BB & T failed to do their due diligence and I was having to suffer the consequences again.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I sent XXXX debt validation requests to XXXX XXXX and they have ignored all of my requests. I do not recognize this debt and I need proper validation.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Best Egg approved my personal loan for {$32000.00}, but when I saw the high 14.99 % interest rate I did not accept the offer. This rate was only visible to me after approval. They sent me many other offers to try to lure me into accepting the loan, but the rate was too high for me from their advertised 5 % and 6 % rates. When they became finally convinced that I was not going to accept the loan, they sent me a letter declining my application citing insufficient income. I had originally applied for {$40000.00} and they approved me for {$32000.00}. The rejection lowered my FICO score and affected my ability to get better rate loans. I believe this tactic used by Best Egg is fraudulent, unethical, and vindictive and deserves to be fixed.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Paid monthly installment this morning on line and received text to contact them this afternoon to collect same debt. Number given was XXXX. Rep I talked to admitted eh could see that payment had ben made.

Company disputes the facts presented in the complaint

Real Time Collection Agency were calling me last year about this debt which I was sick last year with XXXX XXXX and never made a payday loan with XXXX, so they were calling me everyday stating that they were going to go to my place of employment and serve me court papers if I do n't call them, and also calling my husband threating him because they never could talk to me, due to me having XXXX, so RS, put this on my credit report, and I have disputed this with XXXX, but it is stil on my report

Company chooses not to provide a public response

The following monthly {$2.00} charges can not be explained by Macy 's : On XXXX XXXX, 2015 I paid the balance of XXXX due on my Macy 's credit card. Since that balance, I have not purchased anything else on my Macy 's credit card. However, I received the following charges : XXXX/XXXX/15 Minimum interest charge {$2.00} ( balance due on that card {$2.00}, actual purchases {$0.00}, credit limit {$600.00} ) XXXX/XXXX/15 Minimum interest charge {$2.00} ( balance due on that card {$4.00}, actual purchases {$0.00}, credit limit {$600.00} ) XXXX/XXXX/15 Minimum interest charge {$2.00} ( balance due on that card {$6.00}, actual purchases {$0.00}, credit limit {$600.00} ) XXXX/XXXX/15 Minimum interest charge {$2.00} ( balance due on that card {$8.00}, actual purchases {$0.00}, credit limit {$100.00} - lowered without notification ) On each of the statements, it stated " Interest Charged '' as {$0.00}. However, " Purchases, Cash Adv, Fees & Other Debits '' as {$2.00}. The store would not let me use the card this holiday season and overheard another shopper with the same problem and the same {$2.00} charge. I was not aware of this {$2.00} charge and it is not explained anywhere. On the phone, I was told that it is " residual interest ''. I paid the remaining balance of {$8.00} on XXXX/XXXX/15 and closed the credit card today XXXX/XXXX/15. On XXXX/XXXX/15, I was told by XXXX at extension XXXX that nothing was ever reported to a credit agency and nothing will be reported to a credit agency after I close the credit card. It is only {$8.00} but I need total oversight in order to protect my credit rating from such deceptive practices. Please let me know if I can send you the statements.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I have made several attempts to register on line for autopy and each time get this response " A system error has occurred. Please try again later. '' Yet I am mysteriously able to make a manual payment using the same payment account information ( routing number and account number ). I recently was late as I thought my auto payment enrollment was successful and it apparently was not. I would like this investigated as an intentional means of forcing account holders to pay manually each month. Further the phone number on the login page is completely worthless and provides no meaningful assistance in answering even the most basic account questions.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Went to make deposit on bank ATM. I was trying to make deposit cash in the amount of XXXX. After posting XXXX cash the ATM end up in error and denied me to make more deposit and did not giving me receipit for XXXX or post the money to my account. I called bank and report error for ATM and bank respond that my found will be available in next 5 business day. Today is 7 days and bank did not refund money yet and every time I call I get different answers.

Company believes it acted appropriately as authorized by contract or law

I bank at TCF Bank in Minnesota. I purchased a laptop from an international seller, which resulted in me being charged an international fee. When balancing my checkbook, I did n't account for the international fee which resulted in me being overdrawn by {$6.00}. I was then charged a {$37.00} overdraft fee on top of it. I went into the branch and called the customer service line and they just explained that the policy is to charge anything over {$5.00}. I VERY rarely overdraw my account, and thought the bank would take care of its customers in a better manner than charging {$37.00} for an overdraft of less than {$7.00}. In addition, I made a cash deposit the very next day to cover the overdraft situation because I do n't like ever being in an overdrawn situation. This seems outrageous, and I believe the Truth in Savings regulation should be updated to no longer allow any overdraft fee greater than the amount actually overdrawn.

Company chooses not to provide a public response

On XXXX, at XXXX, I spoke with XXXX XXXX of A Bank of America. I informed him that on XXXX my bank XXXX, which a State XXXX Check for California Workman 's Compensation in the amount of {$2100.00} was the subject of a Levy in New York. The Bank Account and local branch are in California. The Levy is {$1100.00}, drawing from the State of California Social Security Funds. In the Court of Appeal of the State of California ; XXXX XXXX XXXX XXXX ( XXXX XXXX County XXXX. XXXX No XXXX ) In Accordance with XXXX XXXX XXXX XXXX Bank XXXX. This action by Bank of America includes causes of action for intentional and negligent misrepresentation, intentional infliction of emotional distress, unlawful levy against Social Security benefit payments ( Code Civ. 704.080 ), the violation of the Consumer Legal Remedies Act ( CLRA ) ( Civ. Code, 1750 et seq. ) the Unfair Competition Law ( UCL ) ( Bus. & Prof. Code, 17200 et seq. ) and the False Advertising Act ( FAA ) ( Bus. & Prof. Code, 17500 et seq. ) The misrepresentation-based claims are based on XXXX alleged misrepresentations by the Bank : ( 1 ) that funds directly deposited California Workman 's Compensation Check would be safe, secure and instantly available to account holders ; and ( 2 ) that the Bank had the right to use XXXX benefits to cover overdrafts and insufficient ( NSF ) charges. The Bank Representative or Bank of America has refused to return any of these funds since the Levy on XXXX or provide any exemption forms to myself. Calls were made on at least XXXX prior times requesting the compliance of State and Federal Law. According to the Bank Representative XXXX this will take 5-7 working days to investigate this claim.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Please REMOVE the Inaccurate Late Payment History for these Collection Accounts for XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ). I do not have any payment agreement with them.The Closed Charged Off accounts from more than a year ago are Inaccurately getting reported as Open and Active by Collections Agencies. However, they are falsely reporting every month a Missed Payment or Late Payment. This is negatively affecting my report every month.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

My Barclays XXXX XXXX was closed without any prior notice and without any reason whatsoever. When I called I was told that my heavy usage caused it to be closed. Barclays was being deceptive with their business practices in promoting a credit card with rewards and asking me to put all my spend on it to create more points and then shutting down my account with no prior notice and not allowing me to redeem my rewards. I believe that 's not the way to treat a costumer you lured in with false promises. I was doing normal spending and my account was closed because I share the same address as my husband which was the XXXX doing the heavy spending, how is that fair I ask?

Company believes the complaint is the result of a misunderstanding

With out my Permission Ditech Financial issued Unauthorized Documents to my Bank & Funds from my Account was submitted to Ditech with out my Consent

Company believes it acted appropriately as authorized by contract or law

Aqua finance, XXXX and there investment banks are harassing my family again. The harassment had lessened for a while but recently on XXXX/XXXX/15 Monday the harassment started up again! These companies are being protected that 's why it 's so hard to bring them to justice. It 's a lot of money being passed around. Monday 's date has a major significance to our harassment case and for those families that have been victimized by these companies. I think your office knows what we are referring to, nobody is above the law and we 're glad our U.S. Government is cracking down on these crooked companies and politicians! Back to the harassment on XXXX/XXXX/15 in the back parking lot of XXXX XXXX on XXXX 1 of there stooges was literally stalking me his plate number is XXXX XXXX. While I was waiting to p/u my client he pulled up next to me and just watched me clearly trying provoke me. When I left for a minute, he left too and when I came back so did he. The only difference was he parked right behind me. When I started to back up to leave and p/u my client, there stooge backed up extremely fast at the same time clearly tried to wreck our car. If had succeeded I would not have been able to work! That was obviously there plan and they have been committing these types of harassment tactics ever since. These companies conducted these types of felony harassment tactics a few yrs ago and we relayed these acts to the Texas attorney generals office in our complaint letters. On today Thursday XXXX/XXXX/15 I was trying to type up a new complaint update and print it out to be mailed to your office and literally watched my email get deleted right before my eyes. All our complaints have been deleted and that 's why I 'm trying to go through your site again. The last XXXX times that I tried to submit a complaint through your site, I typed up a full complaint and got all the way to the end only to have my complaint blocked! We will not abandon our home and will not be forced to abandon our home. We will protect ourselves by any and all means! If and when our case goes to court, we will get all forms of media involved and that includes everybody that will listen! If your dept checks the camera at that XXXX XXXX back parking lot, you will there stooges come within a hairs length of hitting our car and they have been doing so everyday! We appreciate all your departments help but we wo n't stop until these companies are brought to justice!

Company chooses not to provide a public response

Bank of America I have noticed holds charges then submits to charge overdraft fees, example, I would use my debit on the XXXX for a burger and fry at XXXX, that transaction will hold 3 days then when account low, I become negative and they charge me, all my transactions are never in order.I was once charged a XXXX charge.I also filed a claim on a XXXX charge that wasnt r ight, I won it, recieved a letter stating its permanent for the bank to try and take it back out of my account and charge overdraft for it.Bank of America will hold transactions to charge fees.On XXXX I woke up and my bill pay went through, its XXXX, now at XXXX I go to the XXXX and buy XXXX $ eorth of stuff, you put yhat transaction before the bill from when I eoke up, so u can charge a fee.

Company chooses not to provide a public response

I was overcharged throughout XX/XX/XXXX and XX/XX/XXXX, and am possibly still being overcharged by Regions Bank on overdraft protection. I 've taken out " overdraft protection '', which is a loan that kicks in when I do write a check or checks that exceed my balance. However, I was still hit with overdraft fees, as if I was n't repaying the said overdrafts with a loan I 'm responsible for repaying. This has gone on through most of XX/XX/XXXX. I have n't over drafted this year, so I ca n't comment on where things are right now.

Company chooses not to provide a public response

I had XXXX accounts with XXXX that I signed up for in Texas. I was told yesterday XXXX XXXX 2015 that all Texas XXXX accounts were transferred to BB & T. I called BB & T and gave them my full social security number, my current address and my past address, the name of the company I work for and my mothers maiden name. I was told that I needed to provide the exact amount of my last deposit as well as my past XXXX transactions. I informed them I do not have access to my accounts anymore. I was told that the issue needed to be " escalated '' to a management personnel and that they would call me because BB & T would " expedite '' my claim. XXXX hours later and I still have not received any email or phone call from BB & T. I do not have access to any of my money from my checking account, my CD, my savings account or my business account. I never authorized my funds to be moved and now I have no access to any of my money. I am working for the XXXX XXXX as a XXXX in the XXXX so I am not able to show up at a BB & T branch and withdraw my money. I informed BB & T of my current location and the urgency there is in me having access to my money and as of yet I have heard nothing.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Transunion. refuses to remove previously deleted itms from my credit report. XXXX XXXX and XXXX remain in the negative accounts portion of my credit report. depite numerious attempts to dispute the inaccracies and chapter XXXX bankruptcy proof provided to trans union. transunion has refused to place ginnys and XXXX XXXX in closed accounts. Transunion also refuses to to place student loans ( US department of education, XXXX, and XXXX in accounts in good standing. defferment and/or forberrance documentation was submitted in numerious dispute attempts previously.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

In XXXX of 2007, my name was listed second on a finance contract with XXXX to allow my former spouse to purchase her vehicle under the XXXX EMPLOYEE program. After numerous late payments by HER, the vehicle was sold for more than the balance with XXXX and SHE received the proceeds from XXXX.Again, I made none of the late payments, there was no " repossession '' from me, and I did not receive any of the money from the sale of the vehicle unlike my former wife. Despite my repeated requests to delete this account from my file, EXPERIAN refuses to do so.

Company believes it acted appropriately as authorized by contract or law

XXXX XXXX XXXX XXXX phone number XXXX Is asking for XXXX $ But they are paid in Full.. But it still on my credit report. Also Common Wealth Financial systems XXXX they are asking for XXXX Dollars. From a Hospital Emergency Problem I had with either XXXX and or XXXX. the hospital knew that I had XXXX through the VA hospital so their dept. is paid. But the doctor is asking for his money. I called the hospital they Have no idea who the doctor was. So at this point I do n't know how to talk to the doctor to explain that he can go through the VA hospital to get his money back. XXXX XXXX Hospital billing does n't even have this in their records. I do n't know what to do. I have insurance and the Govt. should have paid for this. I am frustrated Please Help

Company chooses not to provide a public response

I have a collection record on my credit report with Experian. This collection is regarding a medical bill. The reason that this bill is not paid on time is that I was never informed that I have this unpaid bill by either the hospital or collection company. First, I have never been contacted by hospital for this bill, and I thought it is paid by my insurance company. Second, after the bill was transferred to the collection company, XXXX XXXX, this collection company never contacted me regarding this bill as well. In fact, I never know this unpaid bill was existing until the landlord told me I had a collection in credit report when I applied the apartment in 2014. It is the hospital and collection company 's fault for not contacting me, while not my fault to refuse to pay it. My insurance company can cover the bill directly, so that I do not have motivation to default on it. Both XXXX and Experian have removed this wrong information after I dispute with them. Experian is the only agency that refused to remove it after I disputed with them twice. I strongly believe that Experian does not do their investigation and due diligence well, and allows this wrong information to continue shows on my credit record to indicate I had a bad record to pay the bill, which is clearly not the truth according to the facts I listed above.

Company chooses not to provide a public response

This is regarding overdraft fees that I was charged by Bank of America : I was charged {$240.00} for transaction overdraft in XXXX of XXXX, and {$420.00} in XXXX of XXXX. This is only the charges on my Bank of America checking account. I have a credit card linked to this account for " overdraft protection '' and somehow I was charged additional overdraft {$200.00} on the credit card side for the same transactions. I do n't know how that is overdraft protection when the setup gives the bank more opportunity to charge you bank fees.

Company chooses not to provide a public response

I was contacted by XXXX on a bank debt that I believe has already been settled. The number is XXXX CLAIM # XXXX. I agreed to pay off the debt however they insisted I gave them my account info over the phone and will not accept payment any other way. I am scared they are not a really company. I spoke with XXXX XXXX each time.

Company disputes the facts presented in the complaint

I contacted General Information Services to verify and validate the information that they have on record as it was incomplete or nonexistent. General information Services failed to provide the signed agreement between me and the original accuser that contained ANY facts that matched what they had in their database system. They did not change the status nor did they provide me with relief for the damages that they caused me.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I banked with wells fargo for 7 years, I had a credit rating of XXXX, I was married and my wife had a credit rating of XXXX. We applied for a small business loan of XXXX, we were going to co-sign. They denied us. We had combined income of XXXX per year and a business plan and experience. Fast forward 7 years later. I applied for a auto loan of XXXX dollars, this time with a credit rating of XXXX and proof that I was to receive XXXX dollars from a social security settlement and proof of income every month. They denied it, saying that my credit was too low.

Company believes complaint caused principally by actions of third party outside the control or direction of the company

Due to misrepresentation of services and fraudulent practices, we are stuck paying {$4900.00} lump sum in future monthl payments for a product we do n't use Due to misrepresentation, we were stuck in a 48 month contract that did not perform like promised. Now, we are expected to pay {$4900.00} up front. We started working with XXXX XXXX in XXXX 2015. XXXX XXXX promised in writing a 1 % rate on all CC transactions and 0 % debit card transactions. It was never disclosed that we would be working with another company ( XXXX XXXX ) We were also promised a XXXX machine that would be compatible with quickbooks for accounting purposes. We were sent a different model of key pad, but I did not complain since we were going to be saving at least 2.5 % ( 1.5 % more than promised in writing ) on all transactions. For the first few months, I noticed we were getting charged anywhere from 5 % to 9 %. After trying to get a hold of XXXX XXXX, I finally got a hold of XXXX XXXX of XXXX XXXX ( XXXX )? We had to settle for 2.5 % and 3.5 % that she refunded for a few months. Then it became difficult to get a hold of her, and we were not receiving any refunds for being charged 9 times more the percentage than promised in writing. I finally faxed a termination/cancellation letter to XXXX asking that we cancel with XXXX, XXXX XXXX ( I had just learned that they were involved in the actual contract ), and any other companies involved. I stopped payment being taken out from any companies that I did not recognize through my bank because we were n't using their services. I get a letter from XXXX XXXX about an amount owed. I called back and told them that it was cancelled due to non-performance and misrepresentation. They said that it was impossible to cancel. I was reported to the credit bureaus for non payment on personal and business and chased down by collection company Hunter Warfield. Now my business and personal credit is ruined for years and I am being forced to pay over {$4800.00} for a service that I have already cancelled and was n't performing like promised in writing.

Company chooses not to provide a public response

My loan with Bank of America has reached 78 % of LTV ( my equity is 22 % ). They are refusing to Automatically cancel my PMI. According to HUD documentation ( XXXX ), " The law provides XXXX situations in which borrower paid PMI may be cancel - it can be automatic or by request. Lender-paid PMI is excluded from these mandates, but requires an up front disclosure to the borrower about lender-paid PMI. The XXXX cancellation situations are : Automatic. In general, when the homeowner 's equity position reaches 22 percent of the original value of the property, the mortgage servicer must automatically cancel the PMI. The borrower must be current in making payments for automatic cancellation to apply. " According to CFPB documentation ( XXXX ) " Automatic PMI termination Even if you do n't ask your lender to cancel PMI, your lender still must terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. You also need to be current on your payments on the anticipated cancellation date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date. It 's worth noting a termination request is different than a cancellation request. Your lender must terminate PMI even if the principal balance of your loan has not actually reached 78 percent of the original value of your home - for example, because the value of your home declined. '' I have never been late on a payment, and have always paid extra principle. My loan is over 5 years old. The lender is basing their denial on the " scheduled '' date when I reach 78 %, which would not have been until XX/XX/2017, but since I always pay extra principle, that date has arrived sooner.

Company chooses not to provide a public response

WHILE BANKING WITH BANK OF AMERICA I ASKED TO SEE SIGNATURE CARD AND WAS DENIED. DISPUTING FRAUD THAT WAS DONE BY AN EMPLOYEE THE BANK FAILED TO RESOLVE ANY ISSUE INCLUDING THEM GIVING ME CHECKS WITH WRONG ROUTING NUMBER.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I have attempted several times to correct XXXX XXXX XXXX reporting on my own. They are in violation of the FCRA XXXX. They are not reporting information 100 % accurated dated and verifiable information. See the letters I have sent to the bureaus and the most current and original report. They have to permanently and legally remove information that is not reporting 100 % accurated dated and verifiable.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

on XXXX XXXX, 2016, there was an inquiry made by bank of america - from which I do n't know what type of source that it came from. I received a letter from Bank of America, i was denied. The only way i knew about it is because of the letter and also the inquiry on my XXXX credit report. I never did apply for a loan nor a checking account with Bank of America in XXXX 2016, the only thing i applied for was a secured credit card. Bank of america pulled my credit report without my consent. So the company is engaging in fraud and identity theft. There is mutiple inquires on my credit report. so i decided to file a compliant.

Company chooses not to provide a public response

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

Company believes it acted appropriately as authorized by contract or law

I received a letter in the mail from Linebarger Goggan Blair & Sampson , LLP claiming I owe {$97.00} to XXXX XXXX XXXX XXXX. First of all my name is not correct, and secondly I have not lived at the listed address of XXXX XXXX XXXX XXXX XXXX in eight years. That being said I have never recieved written correspondence regarding any debt owed to this so called " XXXX XXXX XXXX XXXX. '' and I dispute any validity to this claim as this supposed " collection firm '' is nothing more than a scam.

Company chooses not to provide a public response

I purchased my first car on XXXX/XXXX/XXXX and financed it with Credit Acceptance Corp . I made my payments online on time in XXXX and XXXX XXXX using my debit card. On XXXX XXXX I was in an accident and immediately filed a claim. The car is a total loss. When I tried to make a payment on XXXX/XXXX/XXXX the payment was declined with no explanation. I tried several times without success. I called the company on XXXX/XXXX/XXXX and was told more than likely the insurance company had taken care of the loan. On XXXX/XXXX/XXXX I called the Credit Acceptance because the insurance company was still waiting to hear from Credit Acceptance. I was then told that I had missed XXXX payments and I had been reported to the credit bureau. I was told that when there is an accident you can not make payments using a debit card. I had no way of knowing this. I am attaching a copy of the message I received when I tried to make a payment. Today I tried to make the XXXX past due payments using two methods : debit card online and calling and neither method allowed me to make a payment. I wanted to take care of this as soon as possible because I need to purchase a car to get to my XXXX jobs but can not buy a new car with the credit report from Credit Acceptance. There is nothing in the payment coupon book that tells me I can not make a payment with a debit card if I have been in an accident. I want Credit Acceptance to accept my debit card payment and I want them to fix my credit report. I am young and this is my first attempt at establishing credit. I was diligent in making my payments in an accepted manner per the coupon book and coupon. Because I work XXXX jobs I can not wait on the phone to make the payments during their office hours which are Eastern Time ; I live in California. The insurance company on XXXX/XXXX/XXXX confirmed they are also waiting on Credit Acceptance for paperwork to pay off the loan.

Company chooses not to provide a public response

She called me a loser and told me she is going to garnish my wages. I sent a cease and desist letter on this debt, but she said it was sold to another company. She would not give me her name and has called me 6 times after I asked her to stop. I was able to obtain her number she was calling from. XXXX

Company chooses not to provide a public response

i have tried to reslove a matter with usbank that a bad deposit was placed in my account that was not my doing they sent XXXX debit cards. i never made any deposit noone has responded to my complaints ..

Company chooses not to provide a public response

The debt is not mine because I am and was not responsible on the lease. the lease was wholly in XXXX XXXX name.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

when I was employed by XXXX XXXX Services I was getting a pay check every week. The company was struggling financially, but they kept paying me on time with no problems. I was faithful to this company for 7 years. We where a small company of less than XXXX employees. We had a shop of XXXX guys and sometimes they would get a check sometimes they would n't. but he kept my paychecks on time. What happened next really surprised me. I was going out of town and return on wednesday. Friday before the weekend he handed me a company check, never does he do that it has always been a direct deposit, so after work around XXXX I deposited the check through ATM. I had US bank as my only bank at the time. Saturday morning i went to the bank and i withdrew {$400.00} dollars and i know it was that amount, because banks wont allow you to withdrawl more for safety reasons. I had {$200.00} in my checking when i made the withdrawl, but because i deposited a night before i was able to take an additional {$200.00}. I did n't want to take more because i had rent to pay that week, so i only wanted to spend what i had in hand. When i get back from my vacation i went to put gas at a gas station and my card was declined, i have no idea why it was declined. I had money in my checking. I tried using it again at the market and again it was declined. so the next day i call my bank and they said my account is closed! they said i commited fraud i did n't understand what i did. They said i should go inside my branch to discuss with the manager so i went in and they told me that the check i deposited bounced and that i withdrew money more then what i had. i explained to them that was a company check and i withdrew because their atm allowed me to take {$200.00} above what i had in my account. So they said they closed all my savings and checking. They put a hold on any money i had in there until they can resolve the issue. The following day i went to the owners bank. XXXX XXXX and explained to manager what happened he said he could n't do much. The owner found out i went to his bank and he really got upset because he said i could of ruined his credit and chances of getting loans. I told him he put me on a black list and it was his fault for bouncing the check he said he was sorry and that he can issue another. That was to late because US bank did n't want to work with me or help me they just shut me down with no phone call or allow me to resolve the issue they just closed all accounts and didnt warn me. I felt betrayed by all parties my employer and my bank. I told US bank that there will be a direct deposit going in that Friday if they can please just take me off the list, they said it was to late they already put it and they could n't do much. I felt that was wrong because not once did they call me to resolve this or give me the chance to fix it. I only found out when i tried to put gas. This has been now years of stress that i can not open any checking account. I have XXXX account and only because my father opened it for me. Its very difficult with only having XXXX bank when they are closed weekends and they are XXXX from me if i ever want to walk inside the branch. I would like US Bank to please take me off this list as it was inaccurate and not fraud.

Company disputes the facts presented in the complaint

I was ordered to pay on a judgement for Account Brokers of XXXX County. I was garnished and they took {$2000.00} for a {$1200.00} work of debt. I pulled a credit report and show an {$18.00} collection for interest. I was not contacted by them and do n't have any accounts with them anymore or with XXXX XXXX XXXX XXXX or XXXX physicians which were the original medical collections. They have reported this to all XXXX credit bureaus as well. They have also refused to update the credit bureaus showing that I have paid off their collection accounts.

Company chooses not to provide a public response

Experian put a " Security Alert '' on my account due to incorrect and false information they received from XXXX. XXXX purposely and maliciously assigned a non existant address to me. I have been fighting with XXXX for over a month about this and now they have reported the incorrect details to Experian and to XXXX. This matter needs to be solved and the false address completely removed from my account info ( on all three agencies ). XXXX XXXX does not exist. I live on XXXX XXXX.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

As you may know, I am a victim of identity theft. I have called and called and called this merchant SEVERAL times. Every time I call, the hold time is at least a half hour to an hour. I keep getting different answers/responses and keep getting transferred around to different departments. I also end up speaking to someone who has terrible XXXX, which makes me feel that my issue is n't being reported/handled correctly since they can not understand me well. This card was opened in my name about three years ago without my permission. I call every couple months to see what the status is. I do not know what is going on or what the status is, but they are somehow not correctly or effortly assisting me with this. I called and disputed charges in the mean time as fraud since it is more difficult to have this credit card removed from my name. While I am waiting, there is still more and more charges occuring. Luckily, the bank has shut down the card about 10 months ago. Although somehow there are a couple of merchants still being able to charge my card. I have called a few months ago and advised them that I recently noticed an unauthorized large payment ( approx. {$9700.00} ) come out XXXX of my bank accounts. They still have not returned this money to me! How can a payment be taken out of my bank account when it is closed and the card was opened it without my permission? Furthermore, there was checking accounts that was opened with this bank in my name also without my permission and they 're now overdrawn. I reported that to them and they denied it. I am getting very upset because this is not my account and money was taken out of my checking account. The bank also contacted me asking me if I was trying to access my account at a time that I was n't, hence how I know someone is stealing my identity. I can not even access my account online to see anything. PLEASE RESOLVE THIS! Sadly, I can only trust my government more than my bank. This is not 0 % fraud liability as they always say!!!

Company believes it acted appropriately as authorized by contract or law

This is a follow up to complaint # XXXX where the bank USAA resolved the issue in my favor but as " revenge '' decided to deliberately disable my overdraft protection linked to my USAA credit card on both of my checking accounts. Customer service there following the complaint only got worse and more rude where they could n't answer the most simple of questions of when the hold policy would change as it applied to me because I was getting conflicting answers. They suddenly decided to do as I asked one day, refunding the interest charged on my credit card and lifting the hold policy but decided for some immature unprofessional reason to disable the overdraft protection on both of my checking accounts, which has now resulted in a {$29.00} overdraft fee from them on XXXX plus probably interest and a late fee from the credit card company requesting the payment. I really do n't understand why they ca n't be straightforward and professional instead of having a temper tantrum. The complaints will continue until they do the right thing without exceptions.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Filed previous case regarding Bank of America Home Loan # XXXX does not respond to the consumer regarding lending practice, and or questions protected by the Truth in Lending regulations and the standard Federal Reserve policies. Again the same issue as the XXXX previous complaints is each time the bank responds to our requests for information the specific questions asked are not addressed. Then when that is pointed out via certified mail the bank sends letters for a while with a new Resolution Specialist each time extending the date a resolution should be received. So they acknowledge there is a valid issue to address but they need more time. Then the same as the entire process with the mortgage sold from Countrywide and was a bad loan Bank of America has not responded to modification documents for four years on and off. They have lied in writing and on the phone on notified recorded calls. Again the last response was dated XXXX XXXX, 2016 copy attached to this complaint stated a resolution would be received by XXXX XXXX, 2016. That date has come and gone. There has been another XXXX documented and recorded phone calls and certified mail requesting an update. All have never been responded to. If I have to file multiple complaints for the same issue that there is no promised response from my lender this system is not helping the consumer. I have filed a complaint with XXXX XXXX XXXX, my Senator and Congressman and the Federal Reserve as well as the Attorney General. I am feeling that the Bank would get better response and assistance by this process.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

On XXXX XXXX, 2015, I applied for a HAMP Tier 1 loan modification of my mortgage loan, which is secured by my primary residence located at XXXX XXXX XXXX, XXXX, MD XXXX. I transmitted my loan modification application on the required form " Request For Mortgage Assistance '', dated XXXX XXXX, 2015, to America 's Servicing Company, LLC, ( " ASC '' ), which is the servicer for Wells Fargo Bank, N.A., which is the agent for the lender XXXX XXXX. XXXX XXXX XXXX is the Home Preservation Specialist assigned by ASC to correspond with me regarding my loan modification application. On XXXX XXXX, 2015, I transmitted to XXXX XXXX, together with other documents, a Hardship Affidavit, which explains the hardships which caused my default on the subject mortgage loan and my need for a HAMP Tier 1 loan modification. In its letter, dated XXXX XXXX, 2015, which rejected my loan modification application, ASC refused to disclose to me what it refers to as the " complex NPV Formula '', as stated on p. XXXX, in the Paragraph entitled " About the calculation required by the program '', which formula ASC states that it used to deny my loan modification application. In addition, ASC has refused to disclose the manner in which it applied XXXX alleged factors to the alleged NPV formula. I have requested several times in writing that ASC disclose to me the NPV Formula and the manner in which the alleged XXXX factors have been applied to the NPV Formula. As recently as XXXX XXXX, 2015, I requested by letter that ASC disclose its NPV Formula, list the information which ASC inputted into the formula and the information which ASC stated that the U.S. Treasury requires ASC to combine with ASC 's information, and the " Treasury required information '' which ASC inputted into the NPV Formula. Again, ASC has refused to disclose the NPV Formula and the manner in which information and its XXXX factors have been applied to the NPV Formula. ASc has not responded to my letter, dated XXXX XXXX, 2015, in which I again made these reasonable requests. ASC has acted in bad faith throughout this loan modification application process.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Company is using unfair collection practices to obtain payment for a debt. Company calls multiple times a day and will not leave a voicemail. Any attempt to leave a voicemail is generally dead air. I informed company on two occasions, verbally XXXX XXXX, 2016, and via e-mail on XXXX XXXX, 2016, to only call MY PHONE ( therefore, removing my wife 's number and all other numbers associated with the loan with the exception of my cell phone ), provided the phone number and told them to leave a message. I would need to receive a voicemail in order to return a phone call. As of today, my wife continues to receive phone calls with no voicemails to either her phone or my phone.

Company believes it acted appropriately as authorized by contract or law

Upon noticing that I had some unpaid tickets on my credit report I went had and contacted the collection agency to see how I can pay and get these reports removed from my credit report, I was told that I would need to pay {$190.00} to Professional Account MGM agency and they would take care of it, on XXXX/XXXX/16 my bank issued this agency the {$190.00} for ticket number XXXX - {$54.00}, ticket number XXXX - {$54.00} and ticket number XXXX - {$83.00} all together came up to {$190.00}. On XXXX/XXXX/16 this agency attempted to collect again {$54.00} for the same ticket number XXXX and {$10.00} for the same ticket number XXXX all together {$64.00}. When I contacted them to tell them I noticed they are trying to charge me twice for the same tickets they said if I can send them proof that I did sent the {$190.00} ( even though they knew well that they cashed the check ) they would rectify. I did send them proof from both my bank and I. Today, XXXX/XXXX/16 I received a response and now they are changing and claiming once again that I owe {$67.00} for the SAME TICKET NUMBER XXXX that I have already paid. Please help me as these people are trying to rip me off clearly!

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BB & T sent me a letter saying I have " delinquent credit obligations with BB & T ''. I only have XXXX open account with BB & T, it has a XXXX balance and has for over six months. It is not delinquent. The letter also says " We have told a credit bureau about a late payment, missed payment, or other default on your account '' There is no late payment on my credit file and my account has a XXXX balance so they have no right to do this. They have taken adverse action against me based off this information and I would like for them to remove all erroneous information from my account with them and from the credit bureaus.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian continues to deny me access to their online dispute feature. It 's been like this for the past couple of months. Each time I attempt to begin an online dispute, upload supporting documents, or gain access through a third party credit monitoring subscription program, Experian redirects me to a message stating " for security purposes we ask that you mail us your documents along with a government issued ID, etc. ". That message is getting extremely intolerable for me and I have my personal contact information to update, accounts to claim full responsibility on, account information to correct, and supporting documentation to provide along with it. Experian has by far the worst online dispute feature out of all three major credit reporting agencies. This must be changed. Surely I am not the only one experiencing this inconvenience. Experian expects an individual without a source of income, or available funds to go out to a store and purchase mailing envelopes and mailing stamps. I am unable to send Experian my information by mail because I do not have the money to purchase the items necessary to proceed with my dispute they 'd like to have mailed rather than submitted online. I would like to apologize to Experian for submitting this complaint against them, but they must realize that some individuals like myself, will not tolerate their delays they cause us with updating, and correcting our reports accordingly. I will pursue Experian 's online dispute feature correction of " security issues '' for myself, until I no longer have these error message pop up after clicking the submit button once I 've entered in my personal information.

Company believes it acted appropriately as authorized by contract or law

Aargon Collections ( XXXX ) calls my work line ( XXXX ) on a daily basis. They ask for someone who is n't mean and I do n't know. I have used the automated system to say it 's not me. I have told numerous live operators it 's not me. Yet they still call. I talked to them again Friday and warned them I 'd file a complaint if they called again. They too promised I 'd be taken off the list, and yet I got another call today.

Company believes it acted appropriately as authorized by contract or law

I paid XXXX dollars to an international merchant on XXXX XXXX 2016. I had enough money on the card to pay the merchant. I made the payment and the merchant received it, plus I used XXXX with the card. I do n't have any extra money in the XXXX account either. All the money is on the prepaid debit card. Two days later I receive a text message from netspend ( card company ) saying I had insufficient funds to pay the merchant. I asked the merchant several times if he received payment. He confirms that he did and sent my merchandise. I called the card company 4/5 times in the past weeks and they have no history of the transaction nor do they have a reason as why this might 've happened. Today on XXXX XXXX 2016 I reloaded the card with {$40.00} to buy something else. I get a text message instantly saying that I have paid the merchant that already sent my merchandise. So the money I just loaded onto the card was automatically taken out. Once again I contacted the merchant and he confirmed once again that he only received XXXX payment. I spoke to XXXX agents from netspend and they said they will put the XXXX dollars back no later than 6 hours. This was at XXXX time and it is now XXXX time. I made sure there was enough money for this transaction and I feel that I 'm getting scammed. Please resolve this issue as you see fit.

Company chooses not to provide a public response

I put a stop payment on a charge for cable that was not authorized and had already been taken from our account two weeks prior. I was told it would be stopped and not go through. Two days later it went through and created an over draft of XXXX

Company chooses not to provide a public response

I am being threatened and harassed by XXXX and XXXX, and Bank of America, to be sued for a debt that was settled out inXX/XX/XXXX. BOFA traded my Home Mortgage Account Manager XXXX times during myrequests in order to run out of time for me to refinance my home to a more affordable payment. I ended up losing the home in account of this unethical treatment in a short sale. for {$430000.00} when I owed XXXX. That alone covered the cost of thedebt in question and I have not been returned my profits. Also, BOFA illegally deposited my XX/XX/XXXX income tax return checks right before closing out my accounts without my knowledge andconfiscated the account balances. This was a loss of over {$20000.00} which is more than the debt inquestion. BOFA was found guilty in court XXXX BOFA and they are refusing toreimburse me for the fraudulent charges as well as payfees, penalties, interest, punitive damages. I have been swindled out my life savings by this company. I need helpwith this unreasonable treatment brought on by this unethical company. Please Advise ...

Company believes it acted appropriately as authorized by contract or law

Sallie Mae, pulled my co-signer 's credit report without authorization. They did this to pressure my co-signer into a payment

Company believes it acted appropriately as authorized by contract or law

I recently obtained a copy of my credit report and noticed XXXX tradelines from Financial Credit Network ( Medical ) I never have had an account with Financial Credit network, never received anything in the mail from them regarding this " debt ''. I am requesting under the Fair Debt Collections Practices Act that they validate this debt and prove that it belongs to me. Simply matching up numbers in a computer does not constitute a validation per FTC standards. I am suspecting that their intentions are fraudulent and malicious in nature and wanted to make the CFPB aware of the situation.

Company chooses not to provide a public response

On Tuesday, XXXX XXXX 2015 I deposited XXXX checks in my checking account at the Bank of America branch at XXXX XXXX XXXX XXXX in XXXX SC. XXXX check was for {$50.00} and the other was for {$200.00}, total amount being {$250.00}. The teller took the XXXX checks, verified my sifnature on the back of the checks, and then gave me a deposit receipt for {$250.00}. On Saturday, XXXX XXXX, I received a notice in the mail that they could n't find the check for {$200.00} and that amount was being deducted from my account. On Monday, XXXX XXXX, I stopped by the branch and spoke with the Branch Manager, XXXX XXXX XXXX. She passed me off to an assistant, XXXX XXXX. She called customer service while I was there and they confirmed that they can not find the check and told me the only recourse I have is to track down the person who wrote the check, have them put a stop payment on it, and send me another XXXX. Since I handed the checks to the teller and was issued a receipt, the lost check is an internal Bank of America error and I do n't see how this is my responsibility to track this down nor should I be penalized for their error. A credit of {$200.00} needs to be made back to my checking account

Company believes it acted appropriately as authorized by contract or law

Related Case XXXX Validation has not been supplied at my initial request for validation by Financial Credit Netowrk, please see my first and second letter attached. The first request for validation was sent on XXXX/XXXX/2016 and no proof has yet to be provided. No correspondence since my last complaint of any kind. At this point the damage has been done under FCRA and FDCPA, which will entitle me to {$1000.00} per violation plus attorney fees. In addition, this collector has contacted a family member about this debt and I have proof should I need to litigate this matter. I have obtained council and I do plan on persisting on with this matter should the Tradeline not be removed within 5 days from this complaint. Below is what was sent on XXXX/XXXX/2016 via certified mail. Second letter is attached. " FINANCIAL CREDIT NETWORK XXXX XXXX XXXX, ca XXXX RE : XXXX Validate Account Please re-investigate and delete Validate Account Please re-investigate and delete. This account is not mine! XXXX/XXXX/2016 To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you 're a licensed debt collector XXXX Show me your license numbers and registered agent. I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any, negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character If your agency can provide me with the requested documents, I will need minimum 30 days to investigate this information, and during this period of time, all collection activities must be stopped. I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is. If your agency/company fails to respond to this debt validation request within a period of 30 days from the date of your receipt, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. "

Company has responded to the consumer and the CFPB and chooses not to provide a public response

From My bank account they took money from several ATMs and made several purcharses, their are not mine and the bank does not to make responsible. I put the claim but the bank is not responsible, I have as prove that I did not take that money. Can you help me?

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I disputed a charge on my account. That dispute was concluded in my favor. I closed my account fully paid off. Long after the account was closed ( like 5 months ) I recieved a bill for a rebill on my account. Upon calling Barclays, I was told they could not reverse the charge over the phone. They told me that I was expected to pay the amount billed and that I had authorized this charge. I had not authorized this charge. I asked them to read back the transcript of an earlier call. This transcript does not reflect the conversation I had with their dispute specialist. I did not give permission for a rebill.

Company chooses not to provide a public response

I have been trying to get information to fix what problems are making my score decline in a very steady manner. I am paying Experian for credit monitoring because they made me pay for my report. I have looked again today to see my XXXX lose XXXX more points I signed up in mid XXXX it is XXXX XXXX they do not say in detail what brought my score down. It is ongoing with Experian I am sure these are unreliable reports and it is almost criminal I feel like I am paying to lose points when all am doing is trying to fix credit problems. It feels like if I say something or try to fix it, it just gets worse. It is scary writing this but I feel I need to say something.

Company chooses not to provide a public response

I have been disputing and demanding validation of a debts I do not owe and inaccuracies on my credit report for months now, and TRANSSUION has not only been ambiguous, they have not provided the requested and official documentation required by law, nor have they corrected the information, in reference to the following accounts since last contact. XXXX not mine, No proof of debt- Please be advised that this is not a refusal to pay the debt, but a detect sent pursuant to the Fair Debt Collection Practices Act 1 : USC 1692g Sec 809 ( b ) you title that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to. I am demanding proof that I am the exact party to these or gave authorization to, and a prearranged coercion, which is obligatory on me to wage this debt. This is NOT a request for " legalization '' via E or evidence of my mailing address, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number accordance with section of the Fair Debt Collection Practices Act. Or I request this be removed with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization.

Company believes it acted appropriately as authorized by contract or law

XXXX Apartments have turned me over to a company called IQ Data saying I owe rent for the month of XXXX, 2015. My lease started in XXXX and ended in XXXX and I moved out XXXX XXXX, 2015. I had lights transferred and signed a new lease at my current address XXXX XXXX th, 2015. I turned in keys as well. I have emailed them all of this proof and they are still trying to collect and are adding interest. I had no legal obligation to them as of XXXX XXXX, 2015. Please help!

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I have a financial hardship that started XX/XX/XXXX. By XX/XX/XXXX, I started falling behind on my mortgage with Wells Fargo. I immediately contacted my servicer stating that I was having financial difficulties. XX/XX/XXXX, they proceeded with the forclosure process. I responded immediately that I wanted to bring my loan current and stated that I needed a repayment plan to catch up, but they denied my request along with all my previous requests for a forberance plan and repayment plan. I was denied of my legal right to bring my loan current. Instead, I was railroaded to different departments for several months without a cleaar answer, neither in writing or by telephone. I contacted XXXX, attended their conventions several times without success of achieving a repayment plan. They only offered loan modifications or relocating assistance. This whole time, all of my requests have been ignored. It has always been my intention to pay my mortgage and continue with the loan terms as they are. I am holding Wells Fargo responsible for ignoring my request and their delaying tactics that cost me an enormous financial harm and the possibility of losing my home.

Company believes it acted appropriately as authorized by contract or law

I received a bill from XXXX XXXX XXXX which I have paid. I have received subsequent contacts from Harris & Harris debt collection by mail, and phone attempting to still collect a debt which has been paid. I have copies of cashed checks as proof of payment. Actually I accidently overpaid the debt by {$100.00} for a so XXXX XXXX XXXX owes me {$100.00}. Harris & Harris began calling me at home and work. I have documented the following dates and times Harris & Harris called me on my cell : XXXX Est from XXXX, XXXX EST from XXXX, XXXX EST from XXXX, XXXX EST from XXXX.

Company chooses not to provide a public response

I checked my credit tracker and there is a XXXX XXXX account in my name that I do not have

Company chooses not to provide a public response

To : OCC From : XXXX XXXX XXXX RE : Short Sale with CitiMortgage Date : XXXX XXXX, XXXX My name is XXXX XXXX XXXX. I am desperate for help, and not sure where to get the help I need. In XXXX XXXX, I purchased a home with my mother ( XXXX XXXX XXXX ) as a cosigner. The mortgage company is CitiMortgage ( loan # XXXX ). Doing well the first few years, I struggled in XX/XX/XXXX and then again in XX/XX/XXXX, due to losing my job and health issues. I thought CitiMortgage Loss Mitigation department was helping me, unfortunately the " re finance '' was more than what I owed on my home, more than what it was worth, and higher monthly payments. In XX/XX/XXXX, I had XXXX and was out of work for a while plus IRS placed a tax levy on my payroll. I was having a hard time again with my mortgage payments. I decided to do a short sale, so I would not have a foreclosure. I spoke with a man by the name of XXXX XXXX with CitiMortgage and he told me " once I had a buyer that CitiMortgage would then work with my realtor ''. I then had XXXX XXXX ( XXXX XXXX / short sale specialist ) out to my home and listed my house a short sale. After several offers we had one in XXXX XXXX that was reasonable of XXXX, with earnest money of XXXX down. XXXX XXXX and XXXX XXXX, had the contract with all information needed sent to CitiMortgage. It has been a nightmare. After eight months of sending CitiMortgage ( through XXXX XXXX ) all of our bank statements, payroll stubs, hardship letters, my mother 's retirement statements, her bank statements, our XXXX 's and tax records for the last several years. They continue to keep us hanging and waiting for the next step. Every time CitiMortgage wanted more information we would send it. Now, CitiMortgage sends us a memo : Good Afternoon XXXX, I trust both you and XXXX are well. This is your regular weekly status update email, in which I regret to report we have crossed the hard stop deadline on liquidation assistance prior to foreclosure ( thanks to the sale date that appeared since your last update, placing the deadline back on XXXX/XXXX/XXXX ). The only options at this stage are to reinstate or payoff the loan ( including legal costs/fees, quotes for which may be obtained directly from XXXX XXXX XXXX XXXX XXXX at XXXX ), or declare other legal debt protection measures. Should I see anything of note this coming week I will contact you as soon as feasibly possible, otherwise you may look forward to your weekly status updates up until XXXX/XXXX/XXXX. Please do not hesitate to jot yourself a note for our regular weekly contact or reply to this email if you have any questions in the interim, and since it 's a new month I would appreciate a quick " thank you '' to acknowledge receipt of this message. Remember, during any point of your treatment review you can reach me at ( XXXX ) XXXX, Ext. XXXX, Monday - Friday XXXX XXXX. - XXXX XXXX. ( CT ), or email me XXXXXXXXXXXX. I look forward to working with you. Sincerely, XXXX XXXX XXXX Homeowner Support Specialist ( XXXX ) XXXX, Extension XXXX ( use leading XXXX ). CitiMortgage , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX I was shocked. I never knew there was a foreclosure date nor did XXXX XXXX or XXXX XXXX. We did not received weekly status updates from XXXX XXXX. Are they doing what the government says " a lender should provide foreclosure alternatives to us homeowners ''? This is unreasonable on CitiMortgage ; selling the home on the door steps of a courthouse may bring XXXX or XXXX XXXX. And they had an offer for XXXX! CitiMortgage is not assisting with foreclosure postponement, what are they really doing? We are trying our hardest to do what we can do. However, I could not keep the house any longer. But, I wanted to do what would be best for all, and I feel that Ci

Company believes it acted appropriately as authorized by contract or law

On XXXX XXXX, 2016, I initiated a " Send Money '' payment for {$770.00} from my checking account with USAA. The transfer vehicle for this payment was XXXX. The {$770.00} was debited from my account on XXXX XXXX, 2016, but never entered the XXXX system, and was not received by the recipient. Since then, I have contacted USAA multiple times to resolve this issue, and have been met with a refusal to provide any restitution. Additionally, USAA has continually referred me to XXXX to rectify this issue. USAA supplied me with a XXXX transaction ID with which to locate this payment. XXXX has no record of this transaction ID, and has no record of any transactions from my account for that amount using my checking account information. On XXXX XXXX, 2016, I spoke with a member of USAA 's Executive Resolution Team named XXXX, who, after talking directly with XXXX, informed me that USAA would be crediting my account for the entire {$770.00} within XXXX business days. After 8 business days, my account has not been credited. I spoke at length again with XXXX members of USAA 's Executive Resolution Team ( XXXX and XXXX ) on XXXX XXXX, 2016 to try to ascertain the whereabouts of my credit. These individuals informed me that USAA would not be crediting my account ( as previously promised ) and that I would have to take up the issue with XXXX. Although I informed USAA representatives repeatedly that since the transaction does not exist with XXXX there is nothing XXXX can do, they refused to offer me any restitution.

Company believes complaint caused principally by actions of third party outside the control or direction of the company

I was mislead on all information on the predatory school loans provided by Genesis Lending XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX.

Company chooses not to provide a public response

Please see attached letter to Wells Fargo Home Mortgage and documents of proof, copies of MY DEEDS of Full RE-CONVEYANCE, I DO NOT HAVE A MORTGAGE WITH WELLS FARGO. Below I will mark making payments because the account number did not exist and when I went to Wells Fargo to make payments, the account did not appear on screen, so the agent would enter my name and take the payment. One day the agent just told me look XXXX XXXX this is not a Wells Fargo Account. Check with them to see why they are sending you statements. I knew I did not have a Mortgage and that my home would not have appraised out for that amount, and if I refinanced XXXX times as they contended, where was the Money? I did not at any time have a Mortgage with Wells Fargo nor did I refinance with Wells Fargo ever. ( See attached proof of deeds of Full Re-Conveyance )

Company chooses not to provide a public response

Central Credit Services is reporting the same debt multiple times on my credit report. I dispute the validity of the debt as they also never had the correct address or phone number until I recently contacted them after viewing my credit report. But without question, they have reported the same debt 3 times on my XXXX Credit Report.