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consumer_complaints

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Company chooses not to provide a public response	Citicards XXXX is listing a credit account on my XXXX credit report that is not my account and is a fraud account
Company chooses not to provide a public response	Received telephone calls from Dynamic Recovery Solutions ( Dynamic ) alleging XXXX very old debts are owed, and it is attempting to collect payment. It is alleged I obtained XXXX XXXX from/amount/date:1. XXXX, {$160.00}, XX/XX/XXXX ; 2. XXXX XXXX XXXX XXXX XXXX, {$320.00}, XX/XX/XXXX ; XXXX. XXXX, {$290.00}, XX/XX/XXXX. I advised XXXX XXXX from Dynamic that I do not recall receiving verification of any of these very old alleged debts. Obviously nothing within the statute of limitations. She advised that the statute of limitations means nothing and they can still attempt to collect a debt. The calls are harassing, especially since the statute would have expired,
Company believes it acted appropriately as authorized by contract or law	Receive a call everyday from this # XXXX..have called me every day as early as XXXX XXXXand as late as XXXX XXXX..they never leave a message and when I 've called back all I get is a recording that states please hold for the next available operator..no XXXX ever comes on..upon googling the # it comes up as Senex a medical bill debt collector..I 'm still not certain as to why they call because no message has ever been left ... but they call everyday..even on the weekend ...
Company chooses not to provide a public response	Receiving calls in excess of XXXX times a day and nonstop on weekends. Have asked repeatedly to stop calling during inconvenience times and on weekends. They reply with " we are debt collectors and are allowed to call whenever we want, even if you have asked to stop, in order to collect a debt. '' They are rude and are harassing myself and my family. The debt they are attempting to collect has been paid and there is no debt to be collected.
Company believes complaint is the result of an isolated error	We are submitting a complaint against PENNYMAC XXXX mortgage company. They faithfully took our mortgage payment for over 1 year, always paid ON TIME. At the beginning of 2015 we received a bill totaling approximately {$15000.00} due to insufficient escrow and a statement that had our taxes at over {$24000.00}. INCORRECT!! We called to inform them that the taxes they have are wrong and even provided tax statements from our local township that had our taxes listed at between $ 6,000- $ 7,000/year. They stated that they had paid the township much more than the township states they actually received from them. They state that they were able to obtain a refund of THEIR money that was overpaid but it still left an error on our account for which they are trying to bill us approximately {$2000.00} in order to bring our account up to date which they will then refund to us. ALL calls to Pennymac have resulted in nothing but delay, poor customer service, inability to rectify this problem in a timely manner and now they have put us in collections and have affected our credit for THEIR error. We have continued make our monthly mortgage payments and have faithfully been calling asking for them to resolve their error only to receive harassing " automated '' notices and NO actual assistance or resolution. We are seeking legal counsel for the issues with this company and have noted MANY similar consumer complaints online with many of the same complaints. This company appears to be conducting itself in numerous unethical ways and has the poorest customer service we have EVER experienced ANYWHERE. We desperately need investigation, assistance and intervention to rectify this issue and have the company resolve their errors and restore our credit. Please help!
Company chooses not to provide a public response	In XX/XX/XXXX, I contacted Financial Control Services about accounts on my credit report. A trade line in the amount of {$840.00}, an account which was paid in XX/XX/XXXX through a settlement from an automobile accident, reflected as a collection account. This account was settled in XX/XX/XXXX by the attorney that handled my case. The trade line continues to reflect on my credit report, The company still has not removed the trade line from my credit report.. The line should be deleted from my credit report as this should have never been reported as a collection account. This has damaged my creditworthiness since XX/XX/XXXX. Additionally, this company also reflects other accounts I have no knowledge of. Therefore, on XXXX XXXX, XXXX, I mailed a letter to them requesting verification and/or proof of debts showing on my credit reports as being owed by me. To date, they have refused to provide me with proof and the company has refused to delete the trade lines.
Company believes it acted appropriately as authorized by contract or law	I got sued for a medical bill for my XXXX husband. The collection agency won a judgment against me. The original bill was {$150.00} and now with court costs, atty fees, and other charges it is now close to {$700.00}. I did n't have the {$150.00} to begin with and sure do n't have the {$700.00} now. The collection agency has now violated the fair debt collection practices act by knowingly seizing my social security funds out of my bank account, which I know that these social security funds are exempt.
Company believes it acted appropriately as authorized by contract or law	I REVIEWED MY XXXX CREDIT BUREAU REPORTS AND I NOTICED THAT I HAVE XXXX CAR LOANS FROM THE SAME COMPANY XXXX THAT IS CHARGED OF WITH ABALANCE OF XXXX AND XXXX THAT IS CURRENTLY THAT I 'M CURRENTLY DRIVING ACCT # XXXX. THE CAR DEALER HAS REPORTED A CAR LOAN THAT I 'M NOT DRIVING OR AGREED TO PAY FOR WEST LAKE FINANCIAL ACCT # XXXX
Company believes it acted appropriately as authorized by contract or law	I REVIEWED MY XXXX CREDIT BUREAU REPORTS AND I NOTICED THAT I HAVE STELLAR RECOVERY COLLECTION ACCOUNT I SENT A NOTICE OF DISPUTE DIRECTLY TO COMPANY I HAVE NOT HAD ANY RESPONSES
Company chooses not to provide a public response	my ex husband got my in a joint account with Bank of America he filed for chapter XXXX he forced my signature when I filed for divorced back in XX/XX/XXXX is when I found out of this Bank of America because I opened XXXX of his mailed and he was going to the bank that day to take a line of credit and I went to Bank of America here located in XXXX XXXX and I told the lady no money needed to be given to XXXX XXXX XXXX I did not authorized any line of credit against his house he took in my name without my permission now this was filed on his chapter XXXX and is now showing on my report experian report # XXXX I am contacting Consumer financial protection Bureau to help to delete this record from my credit repot I XXXX XXXX XXXX-married last name Now XXXX main name after I divorced this XXXX man XXXX this account is now closed he filed for his chpater XXXX I do n't know what he did I want this to be deleted from my credit since is closed please delete this from my creditAccount nameAccount numberRecent balanceDate openedStatusBK OF AMERXXXX Not XXXXXXXX, closed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX identification numberXXXXTypeMortgageTerms30 YearsCredit limit or original amount $ XXXXXXXX balance $ 0Monthly payment $ 0Date of XXXX XXXXResponsibilityJoint with XXXX XXXX XXXXthen this is XXXX on my report with this another lender who took this account from Bank of america XXXX accounts need to be deleted from my credit report I XXXX XXXX XXXX XXXX XXXX consumer protection this account is now closed need to be deletedAccount nameAccount numberRecent balanceDate openedStatusXXXX .... Not XXXX, Closed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX identification XXXX XXXX XXXX YearsCredit limit or original amount $ XXXX balance $ 0Monthly payment $ 0Date of XXXX XXXXResponsibilityJoint with XXXX XXXX XXXXYour StatementCO-SIGNED FOR THIS ACCOUNT. I WAS NOT ADVISED OF THE NON-PAYMENT OF THIS ACCOUNT. Reinvestigation informationThis item was updated from our processing of your dispute in XX/XX/XXXX.
Company believes complaint caused principally by actions of third party outside the control or direction of the company	Interstate Collections continues to call me for a debt from a person who does not live here. They have been told multiple times to stop calling here, but they continue to harass us.
Company believes it acted appropriately as authorized by contract or law	I applied for a loan on line with Amerisave Mortgage. Filled out the application was approved and lock in a 3.25 %. Immediately I was called asking for my credit card to order an appraisal on my property giving me a false sense of security..I was asking for a load of {$110.00}. My house was appraised for $ XXXX.Credit was excellent, had liquid XXXX almost a million dollars. For 2 1/2 months asked for documents after documents no end going back 3 years. This was extreme. My primary residence was XXXX XXXX and I had another address where my office was located. My immediate family lives with me at the XXXX XXXX address which is my primary residence..I feel that when I sent the XXXX packet of documents with XXXX addresses it should have been flagged and stoppedright there, and not continue on and on asking more and more document. Why did they continue for another month or so and requiring more documents. They were fined heavily by CFPB for deceptive and abusive practices. I 'm out {$400.00} for the appraisal which can not be used by any mortgage company. XXXX have been done just like I have. I want nothing to do with this company. I want my {$400.00}. back.
Company believes it acted appropriately as authorized by contract or law	Did not disclose communication was an attempt to collect a debt, I have no knowledge of it and it 's on my credit report? If it was debt it should have been handled by my lawyer because of a Auto Accident, that happened three years ago. Statue of limitations are way long gone for them to be attempting to get a medical bill paid from it. Why is this on my credit when the agency has n't even contacted me, and all the debt from this Auto accident has been settled already?
Company chooses not to provide a public response	it my belief, base discrimintion ( treatment )
Company believes complaint caused principally by actions of third party outside the control or direction of the company	I got divorced in 1997 and yet my ex-husband 's family information appears on my credit report ( specifically his brother - I think my ex was using his identity for credit ). I have contacted the credit bureaus repeatedly to get this information removed from my history and nothing is ever accomplished. The process is confusing, no individual to talk with, and I never even get a response from emails sent. Please assist!
Company chooses not to provide a public response	Our mortgage was finally modified on XX/XX/XXXX after a 2 years of struggling to get approved from XXXX XXXX XXXX and in great THANKS to your involvement. Our original mortgage was thrown into default by Bank of America force placing a XXXX flood insurance on our loan for no just cause, we called them to cancel it and got a run around every time until finally between adjustment rates and over due fees and additional unnecessary insurance we fell behind. Now conveniently enough SLS has given back the servicing rights to Bank of AMERICA and we just got a notice from Bank of America that our mortgage is going from {$2300.00} to {$3500.00} as of XX/XX/XXXX Our nightmare is going to start all over again unless you help us! My husband is on a fixed Social Security XXXX and we on a strict budget with all our expenses. XXXX XXXX Servicing paid XXXX Homeowners Insurances and I called Bank of America the XXXX time on XX/XX/XXXX and spoke to XXXX at XXXX extension XXXX, she explained to us that their system takes about 15 to 30 days to update and to keep calling every week to make sure they have the XXXX files already in their system, without they can not assist. As of yesterday XX/XX/XXXX they still do not have records showing the homeowners Insurance payment history updated and we are in a time crunch for XXXX 's mortgage payment to take effect. I understand we 60 days for changes to be fully in place with the transferring of servicers ' but this is all an unnecessary evil happening all over again. Attached are the Escrow Statements sent to us by XXXX XXXX Servicing, XXXX escrow statement is from XX/XX/XXXX and then the XXXX escrow statement is dated XX/XX/XXXX. On each individual statement you see a Homeowners Insurance Payment, I found this convenient for them so it looks like its only been paid to XXXX Insurance company and also found having XXXX Escrow statements within a 2 month timeframe a bit odd as well. Bank of America is XXXX again our servicer, we are very happy about that because we believe XXXX XXXX XXXX is a debt collector and knows nothing about servicing home mortgage loans. It 's a very scary world out there for these homeowners dealing with modifications and if you are not scanning all your correspondence you will once again be at risk of losing your home. We as and plead for your assistance, I ca n't lose my house because of bad record keeping on someone else 's part, a part that they are responsible to keep track of.
Company chooses not to provide a public response	I was denied a loan modification from my bank. I was not given a detailed explanation over the phone by bank representative XXXX. Also I did not receive anything in the mail about my loan modification being denied. If I did not call in to ask I would have not known anything. XXXX said they have to mail me a letter because she could not see a denial letter in my file that she could have emailed to me.
Company believes it acted appropriately as authorized by contract or law	The carpeting in our apartment was defective and improperly installed. We signed a lease renewal contingent on its repair. The apartments agreed to this and dispatched a repairman. The repairman caused further damage and was unable to repair. At move out inspection we were told it was not our fault and to not worry about it. The apartments turned around and put this into collections. The collections agency is hold my wife 's and my credit hostage to extort money from us for charges we do n't owe. Supporting documentation attached will help clarify our contentions. Thank you.
Company chooses not to provide a public response	My outstanding loan with XXXX XXXX was passed on to Admin Recover LLC. I received a letter about the debt and responded asking for verification of the amount owed ( which I believed to be incorrect ). Before my letter was received, XXXX XXXX from this place called me, called my friends and called my family leaving information that I am in trouble if I do n't call back. I do n't believe he should be calling all of those people. He left me XXXX voice mails before starting to call all of these people and discussing my " case ''.
Company believes it acted appropriately as authorized by contract or law	I never open an account with this company.
Company believes complaint is the result of an isolated error	Recently, in XX/XX/XXXX, our home mortgage was discounted ( sold ) to Statebridge, LLC. Statebridge failed to pay our property taxes from the escrow account in XX/XX/XXXX, costing us {$1.00} in taxes. As a matter of fact, Statebridge waited until XX/XX/XXXX to pay the property taxes which are due each XXXX. Our accountant has advised us that this company has really made a huge mistake and should be held responsible. Statebridge is the worst finance company we have ever dealt with. They are tacking on miscellaneous charges to our mortgage payments that their representatives ca n't even explain! We want Statebridge to reimburse us for the {$1400.00} that they cost us by paying our property taxes too late.
Company believes complaint caused principally by actions of third party outside the control or direction of the company	I was unfortunate enough to attend XXXX XXXX XXXX University in XXXX XXXX, Florida from XXXX - XXXX. I was required to obtain way too many XXXX loans for a XXXX year program, XXXX of those loans are with Genesis Lending. The repayment plan from Genesis is unrealistic. When I attempted to make re-payment arrangements with Genesis for a manageable monthly payment, they refused. Even since the requirement to reduce the loan amounts, the monthly payment is not acceptable on my income. If I were to make the payment they are requiring, I would not be able to buy food, gas for the car to get to and from work or any XXXX related issues that may arise. I attempted to contact Genesis this evening XXXX XXXX/XXXX/XXXX XXXX to try to negotiate a manageable monthly payment and was left on hold for more than XXXX minutes.
Company chooses not to provide a public response	my credit score decrease without any specific reason in XXXX XX/XX/2015 and I paid off in full a personal loan XXXX XXXX bank and I didnt received XXXX credit from all credit bureas. I contacted Experian credit report and I was told by a representative some times my credit score will decrease without any reasons.
Company chooses not to provide a public response	The US Air ( ways ) and XXXX XXXX merger has created many problems for me as a credit card holder. I have been issued about XXXX different card numbers because of the merger, and supposedly there will be at least XXXX more. At the merger, each card number changes, the prior account is no longer available, and it creates a lot of problems for direct billings that the card holder has and is expected to notify those companies that direct bill with each card change. This is not an easy task, and who knows what happens to a credit score during this process, and changing the credit card is very time consuming both for the card holder and the business and seems to significantly interfere with the time, responsibilities, and work for each since most account changes need to be made between XXXX - XXXX, M - F. The most annoying change has been with Barclays, XXXX, and how many of the rules have changed in terms of cut off time to pay which is now XXXX Eastern ( I live in Central Time Zone ), and how likely they are to assess late fees and finance charges beyond XXXX of the day the bill was due. The cut off time is totally ridiculous when the credit card company is held by a XXXX and presumably is a national credit card. The prior US Airways credit card had a lot more leeway without being assessed late fees and interest rates, and easy and fair removal of the late fees and charges. The XXXX card change after the merger was a XXXX XXXX XXXX card which looked exactly like the prior XXXX XXXX XXXX card, except had a new account number, but all of the additional printing on the card seemed to be the same. Was this change essential?? It did n't appear to be. Barclays also has on the recording when phoning in to access the account they request the account holder to provide the FULL social security number or the FULL credit card number. This seems to be outrageous ; under XXXX XXXX XXXX we had to provide the last XXXX or XXXX digits of the credit card number AND the zip code. The request that Barclay makes seems to be ripe for issues of identity theft, then you must provide additional private information when you speak to an associate. I think the request for the full social security number or full credit card number is excessive, especially when they also ask for the zip code for the billing address. It is possible that the security system was designed by programmers in the XXXX ( sp ), where this information is likely not considered protected and private information. Supposedly there will be yet another credit card change, which initially was going to be ANOTHER card within 6 weeks of the card that was required to be used by XXXX XXXX ( or so ) from Barclays! The merger has created lots of extra work for credit card holders, and providing too much information via phone that can lead to customer fraud and identity theft.
Company chooses not to provide a public response	I am reaching out after experiencing the most frustrating phone call with your Customer Service Representatives. In XXXX XXXX, my XXXX financed through Ally Financial was totaled. My personal insurance and GAP insurance covered the expenses leaving a $ 3,300+ balance for me to pay. I call Ally Auto to inquire about the payment terms/dates in late XXXX early XXXX. I was informed I would not have to resume payment until XXXX after my original contract date was up. I was excited as that would afford me the funds to purchase another car, keep my job, and stay current on my student loans. Yay me! I asked for the billing statement for my records. Received in the mail shortly after and moved on with life. Fast Forward : In late XXXX I pulled my credit report. I noticed that there were XXXX 30 day late payments on behalf of Ally. I was sure that those were erroneous as I entered into a payment arrangement. I called and after being transferred a few times I reached a very helpful gentleman that recognized the error and put in a request to be overturned. As we ended the call he informed me that my next payment was due XXXX XXXX, XXXX. In complete shock, I asked why and informed him of the situation outlined above. He followed up with another department and told me I would receive a call back and if not to call in XXXX weeks. Today, XXXX XXXX, XXXX : I never received a call and took it upon myself to reach out since then I received a new bill in the mail with the XXXX XXXX date. After being transferred a few times I reached XXXX badge no. XXXX. At first I was happy, she was going to help right? Wrong! I explained the issue that I was told in writing that my payment was n't due until XXXX. She explained that there was nothing that she could do except for transfer me to make a payment arrangement for the current due date. I explained that I have since rearranged my life and I do n't have an additional {$500.00} to pay based on information Ally provided. After trying to convince me that the payments on the account were still pending until XXXX, I went back to my file and pulled documentation stating that both policies were paid out in XXXX/XXXX XXXX. So why would a reassessment of my account take place in XXXX XXXX? She then told me that it was policy. Ally requested an extension to find out why GAP did not cover the remaining balance. Here is my issue. Ally never informed me. I never received a call, letter, or e-mail stating this, and that the billing date once issued could change as a result of this extension. Also, why would this take an upwards of 5 months to complete? After requesting to speak to a supervisor she told me no one would take my call, but I will receive a call within 2 days telling me that nothing could be done. My question to whomever is reading this is : Can something be done? I want to be responsible, but I would love to be met half way and that the error be acknowledged.
Company believes complaint caused principally by actions of third party outside the control or direction of the company	Upon pulling my own credit report, I found out that I had an account in collections with National Credit Systems from a previous apartment complex. Upon contacting them, they were given no contact information at all to attempt to contact me. No phone numbers, no address, no reference phone numbers. Also no attempt was made by them to retrieve this information from the apartment, yet I am being told that this item can not be removed from my report because they made every attempt to contact me. What attempt was made? I contacted them as soon as I found out yet I am being penalized for their poor attempt at collections? I would like this issue addressed.
Company believes it acted appropriately as authorized by contract or law	I am a member with USAA Bank and I have been having a problem with them because of a scam i fell for. The scam was an employment scam. The scammer contacted me with an employment opportunity. Subsequently, I cashed a check that they emailed me and wire transferred it into another bank because of the story they told me ( the whole conversation was documented ). After depositing the check and wire transferring it out to XXXX Bank, i figured out this was a scam. I immediately called USAA to tell them what happened so actions could be taken to stop all further transactions. Unfortunately, the representative i spoke to did not inform me of all actions that I could take and the my overdraft protection, that i have on my checking account, kicked in and I was charged with the full amount of the check ( approximately {$7900.00} ). I continued to speak with different representatives and departments within USAA but I always felt like I was getting the run around and no one really wanted to help with the problem. At one point, an USAA representative stated that she would get in contact with XXXX Bank on my behalf to try to resolve the problem, that never happened. I spoke with XXXX Bank about this problem and their Fraud Dept said that they would put on inquiry into the account that the money was transferred into, but could not do anything else. The XXXX Bank representative said that my bank, USAA, would have to get in contact with them for anything to proceed any further. Again, USAA did not want to help this problem and said that I am responsible for all money that was charged due to my overdraft protection.
Company chooses not to provide a public response	I bought a travel package deal with my husbands credit card and we were both going to travel to XXXX. The promotion price was {$1100.00} for 7 nights. the resort charged the total amount, then only returned our deposit of {$350.00}. Then our money was returned and Citibank allowed another transaction to be charged, they billed our credit card the balance of {$820.00} which I had already told Citibank not to do and they went ahead and let the charge be applied to our citi credit card and now refuse to help me get the money refunded. So we did receive a total refund, but then citi bank allowed another charge of XXXX to be added to my card. If I had not called to check on my reservation the day I was to catch the plane, I would not have known that it was cancelled.
Company chooses not to provide a public response	I wanted to transfer, on Pen Fed CU website, money from our checking account to IRA account. The IRA account was not available for transfers. I called and ask why it was not available. I was told that this kind of transactions is prohibited by law - because of reporting requirements. Is there a law/regulation that prohibits electronic transfer of money into IRA account form checking/savings account?
Company believes the complaint is the result of a misunderstanding	Someone named XXXX XXXX, phone number XXXX called my cell phone on XXXX different occasions and left voice mails stating he was calling for " verification request for a valid address and name of employer to process a claim against me with the Attorney General for claim number XXXX. '' He also stated I needed to call XXXX to resolve this issue ''.
Company believes it acted appropriately as authorized by contract or law	I reside in XXXX i purchased a used car 7 months ago and was never presented a copy of the contract the loan is threw go financial there operation of business is located in XXXX i calledthem and ask for a copy they sent it in the mail and to my discovery they are charging me 27 % intrest which is a violation of XXXX and XXXX Usury laws it is 18 % over what XXXX laws allowed and 17 % over XXXX laws i also discovered my signature appeared to photo copy and place the the signature line as if i sign it i am very knowledgeable in contract law in meaning i always sign without prejudice UCC 1-308 & UCC 1-103.6 then my signature following with UCC 3-402 ( b ) ( 1 ) that mean the dealer who i made the purchase threw violatedUCC 3-302 THE HOLDER DUE COURSE, because it was not a good faith contract, and the Dodd Frank Act and its a violation of the hobbs act as well.
Company chooses not to provide a public response	This was a complaint filed in 2014 and I NEVER received any emails from you and I never received XXXX phone call from Barclay. They have not reduced my credit card rate, I was promised i would not have to pay any interest or late fees. they have done nothing to help me except provide legal aid this is a joke. every other credit card helped me and this one will not. they are affecting my credit report severely and i can not believe that they sent generated responses as well. i have managed to pay down this card from XXXX to XXXX with late fees and interest. i am on XXXX the XXXX is not mine. they are absolutely not helping or taking responsibility that they were required by the law to provide the phone number of the woman that forced closed my account and gave a phone number. they allowed themselves to give out information to someone pretending to be me. they are rude vindictive and need to backtrack and remove all fees accrued because at this point the card would be paid and i want the negative score off of my credit report. i already sent them XXXX letters the next XXXX will be certified and they have 30 days to do so by law or the credit reporting agency has to remove it from my report.
Company believes the complaint is the result of a misunderstanding	LAST FRIDAY I WAS CALLED TO DO THE CLOSING OF A HOUSE THAT I WAS TRYING TO BUY,THE TITLE COMPANY(NU WORLD TITLE,LLC)TOLD ME I WAS GOING TO NEED A GIFT FROM A FRIEND FOR THE AMOUNT OF 3700.00,THAT CALLED MY ATTENTION BECAUSE I HAD ON MY ACCOUNT ENOUGH MONEY,AFTER CLOSING I HAD A BALANCE OF MORE THAN 6K. AFTER I SIGNED AND THEY GAVE ME THE HUD-1 ON FRIDAY NIGHT THEY INSIST IN THE GIFT AMMT TO BE TRANSFER TO THEM,ON SATURDAY I RECEIVED MY KEYS AND I MOVED IN OVER THE WEEKEND,ON MONDAY THEY STARTED CALLING ME FOR THE GIFT MONEY AND I REALIZED THAT THEY NEVER GAVE ME THE WARRANTY DEED,TODAY AFTER SEVERAL CALLS MY REALTOR JUST INFORM ME THAT WE NEVER DID I CLOSING AND THATS WHY I DONT HAVE A WARRANTY DEED,NOW IM LOST AND I DON'T KNOW IF I HAVE TO PAY MORE MONEY OR IF I DON'T AND I ALSO WAS TOLD BY MY REALTOR THAT THE MONEY I PAYD FOR INSURANCE(XXXX) IS NOT INCLUDED IN THE CLOSING COST AND THAT'S WHY THE AMMT I PAYD OVER THIS PROCESS IS NOT THE SAME THAT THE ONE IT'S IN THE LINE#XXXX OF THE HUD-1. CAN SOMEBODY CLARIFY WHAT IT'S INCLUDED IN CLOSING AND DO I HAVE TO LEAVE THE HOUSE AFTER I MOVED.THANKS IN ADVANTAGE AND I'M WAITING FOR A PRONT RESPONSE.
Company believes it acted appropriately as authorized by contract or law	I was contacted at work this morning by a clamming to have a certified envelope for me and he wanted to not serve me at work. I told him I could meet him in the lobby, but then he said he was not on he premises but for me to call the toll free number to pick up the envelope locally that once a called I wo n't be served at the office. I called the number and was told that there was no envelope to pick up in XXXX where I work or in XXXX where I live. That the man who called did not work for United Compliance Services. That makes no sense since he is the person who gave me the number to call.The woman then said I would be garnished for a pay day loan, that I was already garnished for in full fin 2013. I told her she had the wrong information and she said that everything was already verified and that if I did n't agree to pay her {$350.00} immediately I would be jailed and garnished again. I told her that I was not agreeing to anything that was not in writing since she had the wrong information. I was not paying the debt XXXX. She said had no choice but to send the garnishment to my employer and then hung up. This is really a problem for me since I have already paid this to the original place XXXX XXXX XXXX. There is a mix up, and I do n't want them to threaten or harass me especially at work.
Company chooses not to provide a public response	I have a credit card XXXX XXXX XXXX XXXXI have a balance of about $ 3500I am a XXXX XXXX veteranliving in a retirement home -- XXXX years oldThey are bialling me at {$290.00} per month- I can pay about {$100.00} -Macy is crrentlyf ining me each month I want to pay and have been paying my account up to date for several yearsCan I get a mediation??
Company chooses not to provide a public response	I have a few XXXX credit card account 's with my wife, however, there is an individual past due XXXX account listed on my credit report, as an individual account. I have never had an individual account with XXXX. I have asked for copies of documents, to no avail. This is not my account.
Company believes it acted appropriately as authorized by contract or law	I recently disputed a claim on my credit report last month about a company called Accelerated Financial Solutions who had turned in a bad credit on my report. They had that the original creditor was a XXXX XXXX XXXX. for XXXX {$.00} I do not know who these people are and have never heard from them before. So the credit bureau was looking into this and undoubtedly contacted them. I get a letter today XX/XX/XXXX telling me that I owe these people this letter is from them so I called them and talked to a person which unfortunately I did not get her name but I called to tell them that I was disputing the claim and she asked me if my last XXXX social security # was XXXX and I said yes then she asked me if I had had an account with this certain bank in XX/XX/XXXX. I told her yes I thought I did at that time. She then preceded to tell me she was a debt collection company and that they were trying to collect a debt that I owed in XX/XX/XXXX from this XXXX XXXX. I told her I had never had an account with this company and that no deposit of XXXX dollars was made into an account on XXXX XXXX for me from a loan. I also told her that just because she had the name of a bank I had banked with and my social security number did not prove that I owed this money that you can get that information off of the internet on sites that you look up background information on. She then informed me that unless I send them my statements from the bank to PROVE to them with in 30 days the debt would stand and they would not take this off my credit report. I thought the law stated they are the ones who had to prove the debt was owed and also had to supply me with the original creditors. Then on top of everything else they actually have this on all XXXX credit reports listed XXXX times under XXXX different account numbers and after I got off the phone with them I called my bank told them what was going on and they have supplied me with those statements and no where on the statements does it show me having a deposit of XXXX $ It shows my XXXX check going through but that was a totally different amount. It also shows that before my XXXX check went through I was over drawn and when the deposit came through it showed the overdraft being taken care of it also does not show a amount being debited or credited for that amount on or around XXXX XXXX of XX/XX/XXXX
Company chooses not to provide a public response	I am XXXX XXXX, a XXXX at XXXX XXXX. Branch banking and trust ( BB & T ) has caused mental harm and undo stress on me because of overwhelming, unfair returned check fees. They recently charged me XXXX returned fees for XXXX item. They refused to reimburse these fees to me. I can not afford to continue to be treated this way.
Company chooses not to provide a public response	This is a correction to my previous submission : Case # XXXX. In my complaint I stated the creditor that was being reported on my credit as XXXX XXXX XXXX. It should have read " XXXX XXXX XXXX ''. Since your website does not have a place to correct or add information, I submitted this form.
Company believes it acted appropriately as authorized by contract or law	I paid the account in full. XXXX. I have a copy of the letter and the check that XXXX send to me for overpaying the bill. I have sent the letter to each credit bureau. They are disregarding the letter and check that was sent to me by XXXX.
Company believes it acted appropriately as authorized by contract or law	I am writing this letter regarding my mortgage loan I have had since XXXX, XXXX for my house. My involvement with the Loss Mitigation Department of Shellpoint Mortgage Services began in early XXXX XXXX. I had an unexpected downturn in my business in XXXX XXXX, which resulted in a significant loss of income and my inability to make my mortgage payment. I immediately contacted XXXX XXXX XXXX Mortgage customer service department to learn about the options available. I received a detailed package in the mail to initiate the loan mitigation process. Meanwhile my mortgage was transferred to ShellPoint Mortgage Services. I have submitted all required documents to ShellPoint Mortgage Services numerous times from XXXX, XXXX to XXXX, XXXX. When I call to check the status of my packet, I am forced to leave a voicemail. On occasion I have had the opportunity to speak to an agent, who indicates the packet had not been sent to the loan processor yet and to call back, or the packet is with the loan processor and they will call me. After repeated attempts and requests the progress remains null. At this point in the process it is clear that Shellpoint Mortgage Services Loss Mitigation Department is engaged in a pattern and practice, which is certainly unsupportive. I have complied with all the requests from Shellpoint Mortgage Services, however, it appears the overriding goal of the Loss Mitigation Department is to force my loan into foreclosure and take my property from me. I have been making payments, but remain behind and I have difficulty maintaing the payments at this point and need assistance.
Company chooses not to provide a public response	I am getting frustrated with the lack of updates and transparency within the short sale process.
Company chooses not to provide a public response	I called to ask about the account that I saw in collections and informed the company that they had the wrong address. I never received the bill. I did n't know what it was. I asked to have a bill sent to me so I could review it. I was told that if I did n't pay immediately it would stay on my report no matter what. I ended up paying for it and I 'm not sure if it was my debt. They would n't give me the doctors name or anything. When I contacted the original creditor they did n't have my information. No social security numbers nothing. I 'm not sure who I gave my credit card information to.
Company believes complaint is the result of an isolated error	I received XXXX services and was not told the XXXX was no longer in network with my insurance. I never receiving a bill from XXXX XXXX XXXX in XXXX SC. They reported the amounted owed to a Collection Agency, XXXX. As soon as I saw this on my credit report, I paid it. It remains on my credit report. I have contacted both XXXX and XXXX XXXX XXXX with no results.
Company chooses not to provide a public response	The debt was on XXXX separate accounts with Citi Bank and have not had payment activity since 2006. XXXX XXXX evidently purchased from Citi Bank and is reporting to the XXXX Credit Bureau 's. I tried to settle and ask for verification from XXXX XXXX but they have not replied the last correspondence was over a year ago. I believe the debt is beyond the statue of limitations for collection and reporting to Credit Bueraus. I do not thave he complete account numbers on the accounts. Only the first numbers. # 1 acct : XXXX. # 2 acct : XXXX as shown on the credit report. Credit Buerau indicates accounts being disputed by consumer.
Company believes it acted appropriately as authorized by contract or law	My complaint is n't about phone calls, but I believe " communication tactics '' was the closest to my complaint. My main problem is with the Debt Collection Company, the lesser complaint is with the school. I 'm currently in a dispute with my local community college regarding a small debt, either {$49.00} or {$79.00}, depending who I speak to. In XX/XX/XXXX I took XXXX XXXX XXXX classes and paid upfront with my credit card. One of the classes was canceled, and I was refunded the money for it. XX/XX/XXXX I received in the mail a small slip of paper saying in part : " Dear XXXX, Please be advised you have a past due balance with XXXX for a XX/XX/XXXX XXXX ... Pay by XX/XX/XXXX '' It did not look like a bill or invoice and my name was not on the slip or the amount owed. I called the college that day and spoke to someone who could n't tell me what class I owed for or provide any of the normal information that one would find on a bill or invoice. The woman I spoke to promised she would do research and get back to me, which never happened. I must point out, that I 've never been a matriculated student at this college or had a student loan. I registered and paid for XXXX XXXX classes in XX/XX/XXXX, attended XXXX, the XXXX was canceled, and the money for that class refunded. Also, the paperwork seems to indicate this " debt '' was for something in XX/XX/XXXX, and I never registered for or attended ANY classes in XXXX. When I got the notice from the debt collector, I called the contact for the college on that notice and failed to receive any meaningful information that would indicate I owed them money. The woman was " too busy '' to explain it other than to say that XXXX people in her department looked at the paperwork and agreed I owed them money. I responded that they should send me a proper invoice if they have such paperwork. At any rate, they sent this alleged debt to AR Resources Inc., and their first contact with me by mail, they sent the notice to an old address. The address is from at least 25 years ago or more. The XXXX college does not have this address on their records, so I believe AR Resources Inc deliberately used an absurdly old address so I would n't get the notice. The reason I got the notice, despite the old address, is because I still live in my home town and people in the Post Office know me and where I live currently. I can not stress strongly enough that AR Resources Inc had to deliberately do EXTENSIVE research to find this address. It 's not a simple clerical error. The house number they used was from the pre-XX/XX/XXXX era. Not before XX/XX/XXXX, but literally before my town had XXXX service, you know? When this address was valid, if you needed the police or ambulance, you would have had to dial the XXXX DIGIT PHONE NUMBER ON A ROTARY PHONE.
Company believes complaint is the result of an isolated error	My husband, an XXXX service member, and I applied for a VA XXXX with Navy FCU on XXXX/XXXX/15. I sent in loan documents XXXX and did not receive ANY communication until XXXX/XXXX/15. My primary concern in my repeated communication to NFCU was that our rate lock would expire before closing the loan. After receiving a call from processor, XXXX XXXX, a month after our application was submitted, I was told as a condition of our loan approval, that I must submit an Access Number evidencing membership with NFCU. I provided my Access Number to XXXX XXXX via email on XXXX/XXXX/15. I continued to email and call XXXX XXXX, and her supervisor XXXX XXXX, and express my concern at the lack of communication in the loan process. I received a copy of my Mortgage Loan Approval on XXXX/XXXX/15. I had no communication from NFCU until XXXX/XXXX/15 after calling and emailing repeatedly for status updates and again expressing my concern that we would not be able to close our loan prior to the rate expiration. On XXXX/XXXX/15 I was told that I needed to pay {$80.00} via credit card to update the mortgagee clause on my master insurance policy for my condo HOA. I ordered the updated insurance certificate myself since the processor failed to request the update despite me providing the information to her twice, over a month prior. After the total lack of action and progress on our loan application I asked our file to be escalated to a supervisor to ensure that we closed timely. I spoke with XXXX XXXX on XXXX who admitted that our loan was significantly delayed due to our processor being " out of the office '' and that " everyone is extremely busy. '' XXXX assured me that due to this delay, if we were unable to fund by XXXX/XXXX/15 NFCU would extend our rate for 15 days at the 3.125 % we had locked at NO COST to us. I was told the " only documentation '' we needed to close our loan was a payoff demand. I sent a payoff authorization to NFCU, and incurred a fee with my current lender to provide the payoff demand to NFCU. I received email communication from XXXX XXXX on XXXX/XXXX/15 confirming that our loan closing was imminent. Specifically, " if we do n't close tomorrow, we might still be able to close on XXXX and fund on XXXX. " I then received a phone call from XXXX about XXXX minutes later informing me that our loan was now declined. The reason for decline was an old NFCU account that I had discharged via bankruptcy several years ago. My credit information was fully disclosed in the loan application process, a credit report was pulled on XXXX/XXXX/15, and my NFCU Access Number had been provided a month earlier to XXXX XXXX. My belief is that NFCU never had any intention of closing our loan at our locked in rate. The unjustified delays and lack of communication are further evidence of the lack of effort expended by NFCU to honor their rate lock agreement. Further, the reason for denial is not a VA requirement, so conveniently, NFCU did not honor our loan approval based on their own arbitrary overlay. I asked for counteroffer options, such as proceeding with my husband on the loan without me, switching loan products, etc. and I was told " no, your loan is declined. '' It was made perfectly clear that NFCU has no intention of proceeding with this transaction regardless of our eligibility under the VA loan program. The lack of good faith and negligence exercised by NFCU in this matter has caused significant and irreparable harm to my family.
Company believes complaint caused principally by actions of third party outside the control or direction of the company	A man named XXXX said that he was a legal courier for XXXX and XXXX XXXX and he was going to attempt to deliver legal papers to my door and place of employment he left me a number to call to stop this effort XXXX when I called that number I spoke to a man name was undisclosed he had the last XXXX of my social security number he did not read me the mini Miranda when I asked him if the call was recorded he said we do not record our calls mop also informed me that I am not being sued and his company 's name is XXXX processing I told him that I will not be paying this debt because I have not had any contact via mail and to many scam agencies out there
Company can't verify or dispute the facts in the complaint	I received a letter from Aargon collection agency on XX/XX/2015 saying I owe a debt that I have no knowledge of. The date on the letter is dated XX/XX/2015. I responded to the letter asking for verification and for them to respond only through mail not by phone and l also gave them my new address. I have moved from the address that they have on there letter. Aargon collection agency is know for ignoring letters and putting debt on your credit report without verifying. The address on there letter is for collecting money not for disputes. That 's their way to say I did n't dispute this debt. I sent a letter to the address anyway. I also have a copy of the tracking and date it was sent well before the 30 days. Need help with my letter of dispute getting to the right address so this does n't end up on my credit report.
Company chooses not to provide a public response	Please help me as a loan servicer, XXXX Mortgage, has erroneously reported foreclosure debt forgiveness income to the IRS on a XXXX, and they seem unable to fix it! I did not have any debt or a foreclosure with XXXX! Here is some history : I executed a deed-in-lieu with XXXX XXXX XXXX in XXXX XXXX. In XXXX XXXX I was notified that they had transferred my " loan '' to another servicer, Specialized Loan Servicing ( SLS ). This was obviously a mistake as XXXX owned the property at this point. It took most of XXXX to work with SLS management to get my account closed, and I filed a complaint with CFPB ( Case number XXXX ). Unfortunately, in XXXX XXXX SLS transferred my " account '' to yet another servicer, XXXX, even though my account was closed! I was furious, but SLS said there was no way to stop the data transfer. SLS assured me XXXX would clear up the matter quickly as it was obvious I did not actually owe debt. Then in XXXX XXXX I received a XXXX for " debt forgiveness '' from SLS, as they had closed my account as a foreclosure! ( I had of course already received a XXXX from XXXX for tax year XXXX. ) Over the next several months I worked with SLS managers to get the XXXX rescinded from the IRS, get the duplicate foreclosure and delinquent payment reporting off my credit report, and worked with XXXX to get my account closed. All these issues take so long because every time I call these companies I have to wait 30-60 minutes on hold before I get through, and when I do, most of the time the customer service rep does n't know what to do, transfers me to the wrong department, or tells me they ca n't help. Any investigation into my documents requires I engage some " research department '' whom I can not contact directly for status. Customer service reps often misinterpret the research dept 's status, telling me the issue is resolved when it is not. Finally, XXXX closed my account around XXXX XXXX. My Current Situation : In XXXX XXXX, I received another XXXX for " debt forgiveness '' from XXXX! This is because, when they finally closed my account, they documented it in their computer system as a " foreclosure '' which automatically generates a XXXX Over two months and XXXX or XXXX phone calls later, I have still not gotten XXXX to rescind the XXXX. I have been given the name of a manager who apparently says he is going to work the issue with " the corporate office '', however I can not contact him directly. I am getting really worried as I have to file my taxes in a few weeks and I can not do so with {$150000.00} of false " income '' being reported to the IRS. I am very concerned as my financial information and credit reputation are in the hands of dysfunctional companies staffed with incompetent people whose slightest error can cause me hundreds of hours of work. I am very concerned that XXXX will not rescind the XXXX in time for me to file my taxes. I am very concerned that somehow, though my account is closed, my information will be transferred to another servicer who will start trying to bill me for a property I do not own. Attached is documentation of this issue, from the original XXXX with XXXX XXXX XXXX, through SLS, to XXXX. Please warn all three of these institutions not to transfer my closed accounts. This last bout with XXXX has caused me a great deal of stress. Please help me with the following : - Get XXXX to rescind the erroneous XXXX AS SOON AS POSSIBLE ( 2 weeks or less ). - Get XXXX to guarantee they will not transfer my information to another lender. Would rather they delete me from their system. Thank you. I believed filing a CFPB complaint helped me with SLS and I 'm glad to have this recourse available. XXXX XXXX
Company chooses not to provide a public response	This dispute centers around credit card debt which I incurred beginning in XXXX XXXX and which Bank of America ( BofA ) charged off in XXXX XXXX. Following charge-off I continued to repay the principle amount outstanding until it was fully satisfied in XXXX XXXX. Subsequently I discovered that BofA had unlawfully assessed interest and fees of at least {$15000.00} to my account post charge-off. I have requested repayment from BofA which has been denied. Even by BofA 's own accounting I have overpaid the bank by {$510.00} which has yet to be returned to me despite the company 's statement in the attached letter that I would receive a refund in " seven to ten business days ''. Attached are all the relevant documents which I have been able to find. Curiously BofA has been unable to supply any proof of a debt. By way of background, since I initially believed the collection agents owned the debt in question I filed a complaint with the CFPB against those agencies ( Case Number : XXXX ). However, through that process I discovered that despite being told otherwise for years, BofA had in fact never sold the debt. It is through this complaint that I am requesting to be repaid by BofA either the entire {$45000.00} collected until such time as BofA can verify exactly what is owed, or in the alternative I am asking for the {$15000.00} in interest and fees which I believe were illegally assessed to my account. After completing graduate school in XXXX and following the tech crisis and tragic events of XXXX XXXX I was unable to find continuous work for a period of years. Debt laden and without work, I fell behind on my credit card payments and eventually my account went into charge-off status in XXXX. Over the ensuing years the account was transferred to a number of collection agencies including XXXX XXXX XXXX, XXXX XXXX and XXXX and XXXX. At all times I fully intended to repay the debt as soon as I was employed. In fact, I began repaying the collection agencies in XXXX and continued these monthly payments until I had satisfied the amounts allegedly due in XXXX. Throughout that time I repeatedly asked BofA 's agents to confirm the amounts owed and the legal owner of the debt. I was uniformly told that BofA had transferred the debt and that no fees or interest had been charged to the account post charge-off. However, no proof could be supplied. Believing I had no recourse I continued to make payments until the full amount requested had been satisfied. In XXXX, while cleaning out old papers I found a statement from XXXX XXXX which I had somehow previously overlooked. The statement clearly shows that interest and fees had been assessed to my account post charge-off. The statement attached to this complaint shows attorney 's fees of {$6000.00} and interest of {$9500.00} all of which was assessed to my account after it was charged off. However, despite being assessed these fees I never received a statement from BofA showing fees or interest being added to the principle due. In fact, post charge-off BofA stopped sending any statements to me. Importantly this fact is not in dispute. BofA admits it charged interest and fees to my account but amazingly can not tell me how much. Furthermore, in conversations with its representative XXXX XXXX, BofA acknowledges that it stopped sending statements once the account was charged off. As such, under the Truth in Lending Act BofA had no right to assess these amounts to my account and should be forced to return them. Since I can only demonstrate that {$15000.00} of interest and fees were assessed I am asking for that amount to be returned immediately. However, since BofA can not verify the debt in any fashion I would also ask that they return the entire {$45000.00} paid to them until such time as they can demonstrate exactly what is owed.
Company chooses not to provide a public response	LexisNexis has again allowed my information to be made public, and attainable even though I AM BOTH A VICTIM OF MASSIVE FRAUD, BUT ALSO A XXXX XXXX. This information I have repeatedly asked them to Freeze, I have sent in information and they instead " opt-out '' which isnt a Freeze. I have sent countless letters, and as such they instead send no COPY of my FULL FILE. This is against the law, as they must provide me a copy of my report and FREEZE MY FILE.
Company believes it acted appropriately as authorized by contract or law	On XX/XX/2014 I sent the company a demand for validation for the refereced account The company failed to provide validation and in violation of Sec 809 FDCPA continued to report the account on my crdit report
Company believes it acted appropriately as authorized by contract or law	I, XXXX XXXX residing at XXXX XXXX XXXX, XXXX, New York XXXX hereby states for the record with the Consumer Financial Protection Bureau that Nationstar Mortgage LLC and any predecessor as servicer to a mortgage attached to XXXX XXXX XXXX, XXXX, New York was handled abusively during a numerous modification processes. Nationstar Mortgage LLC has assigned a foreclosure process pertaining to a note and mortgage originally procured with XXXX XXXX Mortgage in XXXX with XXXX XXXX XXXX as master servicer to a New York XXXX law firm for foreclosure. There are several criteria established that proves that the entire transfer of the note and mortgage were fraudulent, along with an original foreclosure filing in XXXX where I was never personally served. The fact that it took nearly five ( 5 ) years after this initial filing for the legal entity to re-file the original complaint is highly suspect that the note and mortgage are not in any legitimate position to foreclose. I was approached by the mortgage servicer on at least XXXX XXXX XXXX XXXX occasions with a modification pre-trial arrangement, all of which resulted in a declination by the servicer. There was never a legitimate reason given for the modifications being declined. The collection processes were abusive at all levels against all Fair Debt Collection Practices Act guidelines to remedy a debt. The real estate meltdown highly affected my property valuation in XXXX through XXXX, all of which should have been taken into consideration during the modification process, mostly due to the fact that the ultimate responsibility to make the debt whole to investors would fall upon the taxpayers of the United States. Real estate securitizations have become an area that is under attack for using fraudulent means to an end for the American banking institutions. The original note was fractionalized whereas there are multiple owners located in several securitization trances. The note and mortgage were split on a level XXXX forensic on public record by MERS, and once again by XXXX XXXX XXXX Corporation as the note was positioned into XXXX XXXX XXXX XXXX several years after the securitization trust was closed in XXXX. I will take this matter to an administrative court to offset the foreclosure action in New York XXXX if deemed necessary. However, the letter attached to my submitted modification state on record that I am willing to re-modify the existing mortgage or sign a new mortgage if there is a considerably reduction in principal and interest rate. I also request that the Consumer Financial Protection Bureau to monitor the entire modification process that I have submitted to evaluate if Nationstar Mortgage LLC is operating within the amended FDCPA guidelines on modification/foreclosure workouts as of XXXX XXXX, XXXX. ( GUIDELINES ATTACHED )
Company chooses not to provide a public response	Please review the attached mortgage prepared by Bank of America. I am the current resident at the property address on the mortgage and am in the process of selling the home. This mortgage was discovered during the title search and has been delaying the sale of my home for about two months with what I now understand to be " XXXX ''. I think the biggest problem with the mortgage is that it was recorded a full year after it was prepared so the title companies involved never knew it was there. Also, I ca n't understand why I had to call them to get the release of lien started ; should n't that be done when the lien is paid off? I think there was some intentional fraud here on behalf of the previous owner and someone that works at that branch. The previous owner went through the closing of the property in question and her new home in Texas without disclosing this mortgage. Please help me to get the release sent to my title company so I can close on my short-sale before it falls through!!
Company chooses not to provide a public response	Was opening a new cd @ my financial institution XXXX XXXX Bank in XXXX Texas XXXX on XXXX/XXXX/2015. They ran my social # thru ChexSystems for verification I guess and it shows a discrepancy was discovered that associates the social security # I provided with another individual 's account information.Complaint # XXXX
Company chooses not to provide a public response	We continually receive recorded phone calls from XXXX XXXX XXXX XXXX at our home phone, about every other day. We do not want to return the call because it sounds like a scam.
Company believes complaint caused principally by actions of third party outside the control or direction of the company	I was recruited by XXXX College in 2010 to attend XXXX in XXXX XXXX, FLa. I spoke to XXXX in the college offices and he said that getting federal loans and student aid was n't enough to cover tuition and said that I needed to apply for a private loan. He gave me the website/phone to go to and said that I needed to use this lending company because this is the XXXX the school goes through. They also said that I when I get approved, I would get a loan disbursement of $ 700 monthly for housing and had to pay 20 $ per month for interest to the lender. After applying and being approved for this loan I started school and as promised they gave me a check of 700 $ each month but I had to pay the {$20.00} each month or did n't get my check. Then when the second half of school started they made me apply again to genesis lending services, telling me that the XXXX time I applied it was only for the first half of school year. Not only did I have to re-apply but they charged me XXXX the interest on the XXXX part of the loan and increased my loan interest payment to {$100.00} per month. When I asked why the interest payment went up they said that this is because my loan amount increased. I said but you told me that interest payment through school was {$20.00} per month and now you tell me that I get 800 $ per month for living expenses but I have to pay {$100.00} of it back every month. I was not working and trying to support myself and my family while in school. They also promised help getting work while in school which consisted of them handing me a pre-printed listing of employers in the area that could be, could be hiring. The school also guaranteed to help find and obtain employment at time of graduation. This did not happen. I had to find places that were hiring and obtain all information about those places and apply, they just called to say that I did graduate and that I would be a good employee. They never said that this school has a very bad reputation with the XXXX and employers wont even look at you when you say that you went to that school. Every place that I put an application in in Florida, was immediately rejected because of the school I attended. I do n't think that this is a legal practice and until now I did n't know that I could fight this without having to pay a lot of money and obtain a lawyer. Before I agreed to attend XXXX, I was told that with my school loans and such payment would be approx. {$180.00} per month ... Ha! My school loan payment was over 800 $ month ... I can not afford that. I only make {$13.00} per hour for XXXX hrs a week. I have a family of XXXX and take care of my in laws as well.. When I call Genesis lending they tell me that they can reduce my payments for a short period but will add interest and charges, etc to the back of my loan. They still want XXXX $ per month plus I have had to put XXXX XXXX on hold because of this. I know that XXXX College had put a significant amount of money to help with past and present students because of this loan scam. I thought I signed up for that and thought I was part of that suit, but when I investigated I was not ... So this is why I am doing this ...
Company believes it acted appropriately as authorized by contract or law	I have talked with this company XXXX and asked them to contact me in XXXX and i will make arrangements. They are constantly calling my work phone. I dont know, how they got this number, but i 've asked them not to call it. They want me to pay {$480.00} for a carpent replacement, when all the carpet needed was cleaning. The collections agency is constantly flagging my credit report every month.
Company chooses not to provide a public response	We have an auto loan with Ally Financial. We called them at XXXX, on XXXX XXXX to request a 2 month extension. The representative on the phone gathered information and processed the request, letting is know we had a small payment of XXXX due on XXXX XXXX and no payment due on XXXX XXXX and a final small payment due on XXXX XXXX if XXXX. After that our payments would return back to normal for XXXX XXXX. They advised us we would receive paperwork in the mail. On XXXX XXXX I called them back because we have n't received paperwork yet and they also had on their website a payment still due even though we made a payment based on information above from our call on XXXX XXXX. The representative advised that the original request was not completed on XXXX XXXX and apologized and advised they will complete it again and since we already made our payment for XXXX XXXX out next payment was n't due until XXXX XXXX of XXXX. We said ok and awaited paperwork again. We did not receive any paperwork againI received a number of calls from a collection agency and I returned their call on XXXX XXXX at XXXX and requested a supervisor and was transferred to XXXX XXXX at ext XXXX, to find out that neither of these above extension requests were ever processed. I was advised AGAIN that they would complete the extension and apologized for the mistake. I was told on XXXX XXXX by XXXX that the customer service department did have noted on the account where they were supposed to complete the extension but never did. She apologized again and handled the extension. At this point we have 2 months being reported as delinquent on my and my wife 's credit for XXXX different credit agencies. XXXX apologized but said there was nothing she can do to rectify that and I would have to do this on my own. I called back today XXXX XXXX to find out what Ally would do to rectify them reporting in accurate information on my credit and was advised that I need to take it up with the agencies again. I advised them, this was not my fault why should I have to do the leg work. I asked the representative today about the notes in their system snd she was able to read each note that was written by XXXX ally financial reps during above dates and I requested copies of these notes and was told I need a subpeana to get them. She Advised it was in their system but they could not provide it to me. I 'm being penalized on my credit by ALLY FINANCIALS NEGLAGENCE! Please help me get this resolved. I do n't have any documentation since they will not provide it to me but they have advised their notes are in their system for internal use and will still be there for others to pull up. My credit took a huge drop because of the delinquency being reported and I would like the delinquencies removed off ASAP. If you need any other information I am available to speakThis was no way in any shape or form our mistake.
Company chooses not to provide a public response	Experian is reporting numerous inquiries on my credit report that were not authorized by me. I had previously disputed these inquiries with Experian and they continue to remain on my credit profile. I have attached a list of credit inquiries that need to be removed from my credit profile. Here is a summary of those inquiries ... XXXX XXXX/XXXX/XX/XX/XXXX. XXXX Mortgage XXXX/XXXX/XX/XX/XXXX. XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX/XXXXXXXX. XXXX XXXX XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX.
Company chooses not to provide a public response	My name is XXXX XXXX, I am a customer with Bank of America. I am a service connected XXXX veteran with XXXX XXXX issues. I was waiting in line at the XXXX XXXX branch in the XXXX, NY XXXX XXXX XXXX, after 30 mins. on line the bank got really crowdedI started XXXX real bad. asked the manager if he'ed show me the same courtesy as the XXXX women before me. letting him know what my problem was, he told me that service is for physically XXXX. I stepped to him and showed him my shaking hands and said do you need to see my XXXX. He took it as a threat and locked himself behind the counter and called the cops. when asking him to help me, he said if I want to get help I 'd have to get back in line. XXXX came and was very courties to me and understanding, they even asked the manager to serve me and he refused. A XXXX can also create a XXXXy
Company chooses not to provide a public response	Credit acceptance refuses to remove the inaccurate account from my credit that they are reporting. This account has been paid and resolved. The remarks reporting are erroneous and devastating to my credit worthiness.
Company chooses not to provide a public response	I charged some items on my Barclay Bank credit Card with deferred interest. A few months later, after making my required payments, I paid a total of {$2000.00} in XXXX month. This was more than enough to pay off the deferred interest charges. Barclay did not payoff the deferred interest charges.
Company believes it acted appropriately as authorized by contract or law	More than a decade ago, I began receiving debt collection letters and calls regarding a XXXX XXXX loan for someone with a similar name. Its not on my credit bureau. Its not identity theft. Its debt collector " skip tracing ''. I have received over XXXX calls and letters and I just received another. Every time I contact the collector they just re-sell the debt to someone else, for more than a decade. Then I receive a new set of calls and letters. Its been a dozen different fly by night collector organizations. The current letter is from First National Collection bureau. This is a long time harassment that I would like to see ended.
Company chooses not to provide a public response	i have disputed this account XXXX time, and the answer for the credit bureau is the same this account do n't belong to me, there is not reason to be in my file. I told too many time with the credit bureau and the answer is there is nothing we can do. account # XXXX XXXX XXXX XXXX
Company chooses not to provide a public response	Went to a bank of America in XXXX XXXX XXXX and XXXX XXXX as an active customer with a government check and they would n't cash because of the way I looked then I went to every bank in the area as a non customer and even from where the check was drawn and still could n't then returned mad as still the customer and then after screaming at what the mgr woman with XXXX they then did
Company chooses not to provide a public response	The credit report from Experian has information intermixed with someone else, including address, Social Security Number, financial records, etc. I sent a certified letter informing Experian about the errors. They received the letter, but gave no response or further contact from them. There has been no attempt to correct the problem. I have been in contact with the person that my records are mixed with and he has had no success in correcting the problems.
Company chooses not to provide a public response	We have an auto loan with Ally Financial. We called them at XXXX, on XXXX XXXX to request a 2 month extension. The representative on the phone gathered information and processed the request, letting is know we had a small payment of XXXX due on XXXX XXXX and no payment due on XXXX XXXX and a final small payment due on XXXX XXXX if XXXX. After that our payments would return back to normal for XXXX XXXX. They advised us we would receive paperwork in the mail. On XXXX XXXX I called them back because we have n't received paperwork yet and they also had on their website a payment still due even though we made a payment based on information above from our call on XXXX XXXX. The representative advised that the original request was not completed on XXXX XXXX and apologized and advised they will complete it again and since we already made our payment for XXXX XXXX out next payment was n't due until XXXX XXXX of XXXX. We said ok and awaited paperwork again. We did not receive any paperwork againI received a number of calls from a collection agency and I returned their call on XXXX XXXX at XXXX and requested a supervisor and was transferred to XXXX XXXX at ext XXXX, to find out that neither of these above extension requests were ever processed. I was advised AGAIN that they would complete the extension and apologized for the mistake. I was told on XXXX XXXX by XXXX that the customer service department did have noted on the account where they were supposed to complete the extension but never did. She apologized again and handled the extension. At this point we have 2 months being reported as delinquent on my and my wife 's credit for XXXX different credit agencies. XXXX apologized but said there was nothing she can do to rectify that and I would have to do this on my own. I called back today XXXX XXXX to find out what Ally would do to rectify them reporting in accurate information on my credit and was advised that I need to take it up with the agencies again. I advised them, this was not my fault why should I have to do the leg work. I asked the representative today about the notes in their system snd she was able to read each note that was written by XXXX ally financial reps during above dates and I requested copies of these notes and was told I need a subpeana to get them. She Advised it was in their system but they could not provide it to me. I 'm being penalized on my credit by ALLY FINANCIALS NEGLAGENCE! Please help me get this resolved. I do n't have any documentation since they will not provide it to me but they have advised their notes are in their system for internal use and will still be there for others to pull up. My credit took a huge drop because of the delinquency being reported and I would like the delinquencies removed off ASAP. If you need any other information I am available to speakThis was no way in any shape or form our mistake. ResolutionI would like the delinquency removed off all XXXX credit agencies ASAP and I would like a letter explaining their mistake and in the letter explaining what they are doing to resolve the situation. I am being penalized trying to get any credit due to their NEGLAGENCE and I was this resolved as soon as possible since they have their notes in their system showing when I called and when this was supposed to be resolved.
Company chooses not to provide a public response	I have a XXXX lien of my primary residence with an Equity line of credit with Bank Of America that is more than my primary residence mortgage with XXXX. I have asked Bank of America to please help us do a XXXX lien modification on the Equity Line because we are retired and on a fixed income and they have denied us for ANY help with reducing the payment to something we can afford. We have been paying the interest every month Which is about {$220.00}, but they charge us that much in interest every month. The payments are over {$800.00} per month but we have only been paying the interest, we are not behind. We do n't qualify for HARP to refinance XXXX mortgages into XXXX because our XXXX Mortgage with XXXX was originated after XX/XX/XXXX. Bank of America claims there is nothing they can do an our only options are short sale, deed in lieu or Foreclosure but we have lived in our home since XX/XX/XXXX.
Company chooses not to provide a public response	I have been battling with Bank of America/Credit Protection Plus for years and have had enough. I have been passed from person to person without any hint of a resolution and the ordeal has ruined my credit and been an incredible burden on me. While I was in college I racked up my credit card bill close to it 's upper limit of {$8000.00}. Not wanting to carry a balance or gain interest, I paid off the balance of my credit card ( all at once ) with the exception of the $ 1000+ I had been charged in Credit Protection Plus against my permission ( and had asked repeatedly to be removed from ). I tried, and tried and tried to get them to take these charges off, and get them to stop charging me for CPP - both before and after I paid off my card. Even after I paid off my card and talked to many people about my issue, they did not remove me from the CPP program and my bill crept back up as a result of recurring CPP charges and interest/late fees on the initial CPP charges I left open. I asked them to provide me proof that I enrolled in the program and they could not. I do n't remember enrolling in the program and they certainly did not remove me from the program despite many requests. Thier defense was that I was enrolled in the program for quite some time so I could n't just backtrack those charges. As a college student, it took me awhile to initially catch on to the fact that I was being charged for this service as I had never requested it to begin with. I should have been more aware and on top of it but I was a college student who racked up her bill to nearly {$8000.00} so I was n't going through my bill with a fine tooth comb. Frustrated from hours of unhelpful phone calls and unwilling to pay for something I did n't sign up for, I pushed it aside. Recently the other members of my family all received large refunds in the CPP class action lawsuit but I was not included in this suit because I refused to pay from the beginning. I did not realized how bad this actually affected me until I applied for a credit card and was rejected. I got a credit report and found that my account had been 'Key Delinquency ' for years because of this dispute. It ruined my credit and made it impossible for me to get a credit card, buy a car or a house. I wish this had n't snowballed into what it is now but I spent so much time dealing with so little impact that I essentially gave up on it. I have now read up on it, found this website, am aware of my rights and realize I do n't have to fight this alone with a large corporation. I want to these charges to be removed and my credit to be restored so that I can live my life.
Company chooses not to provide a public response	Experian is not allowing paying customers to dispute things on line. They are not removing XXXX items from my credit report that do n't exist anywhere in the system nor the original creditor has any record of the XXXX XXXX accounts balance 64.00 $ and 89.00 {$.00} Neither entities have resolved the issue. It is impacting my credit score and ruining my life literally.
Company chooses not to provide a public response	Hello, I have a private loan with XXXX XXXX XXXX. I defaulted on my loan and I was n't able to pay because of unemployment. They sent my debt to collections were I was making {$40.00} a month payments. Then they sent it to another collections agency and now it is with Dominion Law Associates. They sent me a letter in mail saying pay in full. But I 'm still not working and have XXXX money in bank they only thing I can afford is {$15.00} a month until I 'm employed and I 'm more than willing to make higher payments. My father co sign but I 'm responsible for the loan he is n't working either and have medical bills because he had XXXX and had to have XXXX last year. He had a total of XXXX XXXX in 7 months the most recent in XXXX 2015. When he cosign he had no idea I would n't be working and could n't pay. Every month XXXX XXXX XXXX keep sending loan to different law offices. So I 'm responsible and just need to make monthly payment plans or a rehabilitation program that I was n't offered by original loan.
Company chooses not to provide a public response	I have multi complaints with Bank of America starting from XX/XX/XXXX. During this complaint process I have had too many " single points of contact '' to keep track of. I also have asked multi contacts to correct my Credit Report, where BofA says I did n't pay my mortgage. I received a letter from them in XX/XX/XXXX saying they would get my Credit Report corrected and they still have not done so. I also asked my most recent Contact person to look into before closing the last complaint w/ CFPB, which I was told that BofA believes they are correct and that I did n't pay or did n't pay on time. My Bank, XXXX XXXX XXXX XXXX, did some research for me and we are easily able to prove, again, that I did infact pay on time and in full. Please see attached.
Company disputes the facts presented in the complaint	Roundpoint Mortgage has not handled the modification process in a timely manner. They take a very long time to review the information provided. Then they will request the information again as the previous documentation becomes outdated. Single point of contact will not return calls or get in touch with client in a timely manner. It took the XXXX XXXX about three months to be able to speak with him and multiple phone calls. Roundpoint keeps delaying the process and has not been actively trying to help out the borrower.
Company chooses not to provide a public response	I went to bank of America on XXXX/XXXX/2015, and deposit {$1000.00} in coins into my checking accountI fill out an deposit slipThe bank teller took my deposit slip, attach it to the coins and give me an ACKNOWLEDGEMENT of RECEIPT of COINS, he told me that the bank would cont the coins and credit my account in a few days. A few days after I check my account, I was only credited for {$190.00}. I went to the same branch to get some answers, and found out that the bank teller, wrote down {$190.00} on the paper work that he turn in instead of {$1000.00} and there is problemI have made XXXX trips to the branch, I call at least XXXX times.
Company disputes the facts presented in the complaint	My Social Security payments are being garnished. The amounts reported by the collection agencies are different than the amounts on the credit report.
Company chooses not to provide a public response	XX/XX/XXXXBank of America Credit Dispute ResolutionXXXX, CA XXXXRE : Loan # XXXXTo Whom It May Concern, It has been recently brought to my attention that an erroneous negative credit report was placed on my credit history and has adversely impacted my FICO score. The derogatory credit report must be removed and notified by the XXXX credit reporting agencies immediately. I have never made a late payment to my mortgage with Bank of America loan # XXXX. The late payment reported to the credit bureau was done so in error by Bank of America. Please see attached document that was faxed to me from Bank of America 's mortgage department in XXXX XXXX California on XX/XX/XXXX. In XX/XX/XXXX I refinanced my mortgage loan # XXXX to get a better interest rate. As you can see in the attached document, the monthly loan payment was paid on XX/XX/XXXX in the amount of {$4300.00}, well before the XX/XX/XXXX due date. Bank of America 's customer service advised that because XXXX XXXX had called and asked for a certified payoff that the account was in a payoff status. For reasons unknown to me and without my direction, the payment had already been accepted and cleared my account and applied to my mortgage balance on XX/XX/XXXX was reversed by your customer service XX/XX/XXXX on XX/XX/XXXX and was then posted into a miscellaneous trust account pending the loan payoff. Then on XX/XX/XXXX a late charge was assessed to the account as if a payment had never been made. This late charge was reversed the same day and the payment of {$4300.00} was transferred without instructions from me to my escrow account. This loan was paid in full on XX/XX/XXXX, and is being serviced by the new lender- XXXX , who in turn transferred the loan to XXXX in XX/XX/XXXX. Please note I was never notified by Bank of America that they had taken my payment made on XX/XX/XXXX and applied it to a suspense account and then applied it to my escrow account. Bank of America made these actions without consulting me, and therefore, until now I was not aware that they had reported a late payment to any credit bureaus in error. I am requesting Bank of America immediately correct this error and remove the derogatory report for each of the XXXX credit bureaus that Bank of America reports to. The incorrect late credit report has affected my FICO score and ability to get additional financing for other matters. This has also affected the credit of my co-borrower parents. Sincerely,
Company believes it acted appropriately as authorized by contract or law	XXXX XXXX XXXX illegally and without any authority from the Trustee transferred our loan to Shellpoint Mortgage Servicing, I filed an appeal with Shellpoint regarding the our eligibility for a MHA HAMP Tier 1 modification and requested thorough documentation of the process, including an NPV. To date Shellpoint has not responded to our appeal, dated XXXX XXXX, 2015 ; and is having their vendors call and harass us, stating they are giving us " verbally '' notification of foreclosure. These vendors are in XXXX or XXXX. This is also illegal and this office need to contact XXXX, a MHA participant for not complying with the rules and guidelines in which cfpb is to enforce compliance. Furthermore, I have disputed the manner with cfpb, and to date no assistance what so ever.
Company chooses not to provide a public response	I have had many issues with my lender since XX/XX/XXXX - presentI have attended the XXXX Save your Home Project where I was denied the opportunity to save my home. The lawyers representing US Bank XXXX, XXXX and XXXX XXXX sent a attorney XXXX XXXX who was at the conference hearing and me and my husband explain our financial hardship and the unexpected XXXX XXXX of Our Son and the unexpected funeral cost that had hit us all XXXX. XXXX said the loss of our son was not her concern. How could we pay balance due at this time. I did not found out until XX/XX/XXXX that my FHA loan could have been modified. I was sending the needed paper work that US bank ask me for and I did not know that I should have used a housing counselor because of the format needed to be use to have my housing documents legal done. Today we are facing a sheriff sale dated for XX/XX/XXXX summit another modification package to US Bank requested by my Default resolution manager XXXX XXXX who I have corresponded with over the last XXXX years XXXX ext.. XXXX package was reviewed and a decision was made within XXXX days and he told me I was not eligible for a modification or hamp and I could not file a Appeal. All the housing counselors I have used have been complaint with US Bank but they have not been or has US Bank tried to help me with my home but XXXX and I stated to them I could not honor the modification they presented because I would be in default again. Then I must wait XXXX months to be eligible for assistance and this just made matters worst but I was following the advice of US Bank. I never got a fair chance to save my home by XXXX XXXX I 'm facing the unbearable truth of being homeless.
Company believes it acted appropriately as authorized by contract or law	Reference Account : USAA SECURE CHECKING # XXXX XXXX/XXXX/2015 I spoke with XXXX, one of your reps, We spoke about the recent fraud that was being investigated on my account. Unfortunately the experience was one of the worst I 'd ever had. I was treated like I had committed a crime, I was accused, badgered, importuned, plagued, and also harassed. I 'm sure he knew he was speaking to an XXXX XXXX, by my tone. His actions were unprofessional, unsympathetic, and unprincipled, His discriminatory presentation has prompted be to make a complaint with the FDIC. I 'm a victim in this situation, and this situation has caused me to very agitated, My life was stolen. I called the bank, a well-known organization to establish the status of the case and was treated like I was from XXXX!!
Company chooses not to provide a public response	I had XXXX late payment to XXXX XXXX Bank in XX/XX/XXXX. Since then II have not had a late payment. I have had the card since XX/XX/XXXX. I did not havehave a late payment prior to XX/XX/XXXX. They put this account in the " con-sidered negative '' category and refuse to remove it from that categoryuntil XX/XX/XXXX. .7 years of punishment for XXXX late payment. I contacted thebank and they said that they did not request the negative assessment. Icontacted the reporting agency and they refuse to adjust the time line. The punishment is onerous and unfair and I am unable to find a way toremove the negative connotation. I am not saying that I was not late thatone time -- I am not arguing about the validity of the " lateness '' but I amupset that I can not get the account re-classified. 7 years is way toolong to be punished for XXXX late payment.
Company chooses not to provide a public response	I receive a phone call from XXXX saying they are XXXX Credit, that there is a XXXX account in my name, not at my address, that has a bill for {$500.00}. They leave no voicemail, and are never able to answer when you call back. This has been going on for months. I have had my credit checked and fraud alerts on and nothing matches what they are saying is the issue. I need this to stop.
Company believes complaint caused principally by actions of third party outside the control or direction of the company	I was inquiring for educational purposes at XXXX XXXX in XXXX California. I was enrolled and attended the XXXX program there. I was unable to cover tuition, and took out a student loan which did not cover my full tuition. XXXX, gave me XXXX only other option, to take out a Personal Loan with Genesis Lending. I paid on it for quite some time and stopped recently because I did not finish the program and my husband XXXX. since then my payment has XXXX and my credit is ruined! While I was attending school I wa threatened repeatedly that I would be dropped or removed from school if attendance was not met or payments not made and that I would STILL be responsible for the debt. It was the worst decision I ever made!! attending that college, for a trade that pays NOTHING!! I have since been promoted in the XXXX and am an XXXX at a very successful XXXX.
Company chooses not to provide a public response	I have a credit card with Macy 's, account number ending XXXX. I used that card to purchase a product. I subsequently returned the product. Macy 's posted a credit to my account for the value of the returned product. I later used a portion of the credit to purchase another product. I now have a credit of {$120.00} on my account. I called Macy 's and asked them to send me a check for the credit balance. They refused to do so and told me that I can only use the credit to purchase additional goods at Macy 's. I do not need any additional purchases and do not feel that it is acceptable to refuse to send me a check for the balance. Why should I be forced to buy something at their store just to get my funds back. That is a ridiculous policy. They took the funds from me for a good purchased. I returned the good and they, in turn, should return my funds.
Company chooses not to provide a public response	On XXXX I noticed that my Bank of America account was in the negative, and that an overdraft protection fee had been applied to my account without any charges prompting a negative balance. Essentially we were charged for an overdraft fee when our account was not in the negative ; this fee then caused our account to be taken into the negative. We were given an overdraft transfer feel when our account was n't actually over-drafted, and this fee ultimately created a negative account. My husband, who shares the account with me called Bank of America to inquire why they would post the charges this way ( some past charges were not posted in real-time ) he was told that the transactions could be deceptive but were unwilling to refund the {$10.00} overdraft fee which caused our account to go into the negative -- when there was NO need for the overdraft fee to be applied in the XXXX place.
Company chooses not to provide a public response	I am in the process of improving my credit score. When I notice that XXXX Bank and XXXX has done several inquiries on my credit report without my permission. I had purchase a car though them in XXXX, but the inquiries are in XXXX. XXXX report has XXXX inquiries and another has XXXX. Recently, I saw that XXXX XXXX has done XXXX the end of XXXX of XXXX. These inquiries were with out my permission. I sent a letter to the credit bureaus about the XXXX the bank has received, without a response. This is inappropriate action on the credit bureaus behalf.
Company chooses not to provide a public response	XXXX XXXX XXXX - Claiming to be collection on behalf of Citibank. Citibank has not communicated with me - turned over to collections and I am now dealing with XXXX XXXX XXXX. Refuses to send me information about their company. Has asked where I work, my other bills, and has asked me for my Social Security number. Threatened to sue me, repossess my car if I ca n't come up with a settlement payment. Not willing to work with me, and keeps asking for my bank account information along with my social security number. I am now afraid this is fraud, and my identity will be stolen. I am not sure what to do at this point. I am scared.
Company believes it acted appropriately as authorized by contract or law	XXXX in my book is a thief & scammer, th eworst Customer Service when custmers really are at there Mercy! I refuse to pay any more money to them. XXXX XXXX XXXX
Company chooses not to provide a public response	I am currently being evaluated for a loan modification. There is an agreement withThe California Attorney General Office to not do dual tracking. It should not be forward with a Trustee SaleWhile I am under review for a loan modification. The Sale date must be vacated. We want to keep our house. We hope everything going well on our loan modification.
Company chooses not to provide a public response	I received a credit card statement and it contained a {$75.00} " fee '', which was not detailed and no explanation was given. I contacted Citibank and a representative reviewed and finally answered that it was an annual fee. I asked why this was not printed on the statement and the representative stated that it 's a known problem, and that he 'd share my concern with management. I felt that answer was insufficient and asked to be transferred to a manager to discuss why Citibank is placing charges on my account without an explanation. I waited on hold for XXXX minutes and the call was disconnected. Today I logged onto my account to verify a {$1000.00} payment I sent from my bank on Sunday had been applied and noticed my account was closed. I called Citibank and they said that it 's their policy to close an account if a customer questions the validity or usefulness of paying the annual fee if a call is disconnected while waiting to speak to a manager. This policy is not stated in my card member agreement, and is not printed or published on their website. This seems completely insane and incomprehensible. They stated I would have to re-apply to get the card again, including a credit check, which negatively impacts my credit. I have had the card for almost seven years, very actively used it, and never been late in payments.
Company believes it acted appropriately as authorized by contract or law	My home mortgage is with Penny Mac. It has a PMI fee that we have been paying. Per the original agreement. As of a month ago the Loan to Value dropped to 79.79 %, which was to trigger a stop on the PMI. I notified Penny Mac that per our agreement to stop charging me for the PMI. They refused until I PAID for a re-evaluation of my home. This was never in any documents. As a matter of fact I have a letter from Penny Mac dated XXXX/XXXX/14 that states ; that the PMI would be terminated when the Loan to Value reaches 80 % or lower than the " Original Value ''. It has reached that level and they now want me to pay for the home assessment before they will terminate the PMI. This is not part of the agreement. Please Help.
Company chooses not to provide a public response	Once again we are trying to obtain a lower interest rate on my XXXX mortgage. The interest rate is 11.375 % and with the economy and lower interest rates that have been below 5 % Bank of America gives me someone to chat with and after all the information is sent to them, again and again, we stop hearing from anyone. B of A was to set aside monies to help people like me so please help us.
Company chooses not to provide a public response	I have a debt on my credit report with XXXX Mortgage, which is past due over 180 days. This is the ONLY negative on my credit report. the item has been disputed on complaint # XXXX as I filed chapter XXXX bankruptcy in 2003 and all debts were included in that. My additional problem is this same debt was under the name of XXXX Mortgage last year and removed, XXXX XXXX the year before and removed, XXXX the year before and removed and so on. When this debt is deemed uncollectible by the debt collector and this info is disseminated back to the loan holder, it is then sold to someone else for collection the next year. This has hurt my credit terribly cost me money in points and higher interest rates, and wasted my time and other, plus being a fraudulent practice on the part of the creditor, the reporting agencies and the collectors.
Company believes it acted appropriately as authorized by contract or law	R S CLARK COLLECTION AGENCY put a negative item on my credit. I had insurance. This agency did not contact me before putting anything on my credit. R S Clark is not bonded to collect in the STATE OF TEXAS. I sent them a validation request. They never did validate the account, but they continue to report this inaccurate information on my credit
Company believes complaint caused principally by actions of third party outside the control or direction of the company	I received an alert from Experian that I had a new account reported from University XXXX XXXX. I have no affiliation with this university. I attempted to contact the University XXXX XXXX XXXX XXXX XXXX and I was told that I was not found on their system. Then I tried to call a few more times and was told that they think they found me on their system but that they could n't provide me with information on the account because I was never a student at the University XXXX XXXX. I have tried to reach every single department possible and no one has been able to help me. They all tell me the same answers. I then contacted Experian and filed a dispute. An agent at Experian in the special services department tried to call the University XXXX XXXX and they were not able to find any information that matched me on their system. I asked if this was sufficient verbal confirmation to remove this account from my credit file and I was told it was not. I am buying a house and I need this resolved as soon as possible.
Company chooses not to provide a public response	My bank of america accounts were closed ( checking and savings ) forcibly and no reason has been specified. I even got a letter saying that any remaining balances would not be returned. I had balances of nearly {$740.00}. I was given a phone number of a person from Security Department ( XXXX - XXXX ), tried many times in last week to reach that person. Neither anyone lifts the phone nor returns my calls/messages. I tried to call the customer service again to find out if there was any other person whom I can talk to find out what happened to my accounts. They would only ask to keep calling the above number and there is nothing anyone else can do anything about my accounts/money in them. This is so frustrating and annoying. Such irresponsible and anti-customer behavior.
Company chooses not to provide a public response	I applied for a staples credit card from Citibank. The card was approved and I made a purchase.. It was an online application for the card and I used the confirmation number they gave me to do the credit purchase.. The amount was XXXX dollars and some cents. So far I have not received the credit card.. They tell me that I should have received the statements which I did not.. they have been calling me about the payment on the credit card and I am willing to pay the amount that I used on that card but I should not be charged any late fees and finance charge.. They continue to insist that I should pay finance charge. I have refused them to pay anything unless they revert the finance charge.
Company chooses not to provide a public response	I am in a position to settle this debt, but agency refuses to disclose what portion of what they claim I owe is principal and what are fees and interest that they have added. I have called in excess of XXXX times only to encounter disconnected phone numbers, voice mail boxes that are full, and unreturned calls.
Company chooses not to provide a public response	I received notification that my loan was being transferred via a letter dated XXXX. The transfer is effective XXXX/XXXX/2015. Also, the loan company continuously pointed the blame to XXXX XXXX. How is this legal?