{"took":358,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":17,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8361406","_score":26.82608,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"From the previous complaint, Equifax 's response said that the problem is fixed, and I should be able to sign on to my.equifax.com now. I have told Equifax over and over and over again that signing into my.equifax.com IS NOT THE PROBLEM. I have ALWAYS been able to sign in. THE PROBLEM IS AFTER I SIGN IN, NO CREDIT REPORT IS DISPLAYED! Please see the attachment which consists of screen-prints that show what is displayed on my.equifax.com AFTER I SIGN IN. Thank You, XXXX XXXX","date_sent_to_company":"2024-02-16T20:41:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75243","tags":"Older American","has_narrative":true,"complaint_id":"8361406","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-16T20:12:20.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["From the previous complaint, Equifax 's response said that the problem is fixed, and I should be able to <em>sign</em> on to my.equifax.com now. I have told Equifax over and over and over again that <em>signing</em> into my.equifax.com IS NOT THE PROBLEM. I have ALWAYS been able to <em>sign</em> in. THE PROBLEM IS <em>AFTER</em> I <em>SIGN</em> IN, NO <em>CREDIT</em> <em>REPORT</em> IS <em>DISPLAYED</em>! <em>Please</em> see the <em>attachment</em> which consists of screen-prints that show what is <em>displayed</em> on my.equifax.com <em>AFTER</em> I <em>SIGN</em> IN. Thank You, XXXX XXXX"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[26.82608,"8361406"]},{"_index":"complaint-public-v1","_id":"3393905","_score":11.123697,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I noticed an unauthorized charge on my American express blue card back in XXXX XXXX. Talk with XXXX XXXX at fraud protection department on XXXX XXXX at XXXX.She had no reason why account was shut down with no notice! I am writing to inform you that I intend to pursue legal action in the form of a lawsuit against your XXXX XXXX XXXX. I have repeatedly attempted investigate this fraud on numerous transactions never sign or authorized by me! \nTALK TO XXXX ID XXXX XXXX XXXX prepaid credit card shut down with no reason and no proper NOTICE and know have kept over {$320.00} of my money on my account. \nCharges place on account that have never been mine no sign contract nor any swipe of XXXX XXXX XXXX!!! \nFraud Charge by XXXX XXXX {$75.00} AND {$5.00} ON XXXX XXXX AND XXXX XXXX TOTAL OF {$80.00} MISSING. I can not get into my account but all the Charges from XXXX XXXX FOR {$12.00} WHICH HAPPEND 5 TIMES! \n\nNo Contract, Non-Consent, no signature and : The Fake Company is a Fraud! They do not send any book and steal your funds from your Credit Card! Scam Alter : XXXX XXXX XXXX XXXX XXXX, California, USA Tel : XXXX XXXX The Fair Credit Billing Act was passed in 1975 as an amendment to the Truth in Lending Act. True to its name, the billing act 's primary goal is to establish consumers ' rights when goofs occur on the bill unauthorized charges, fraudulent charges, math errors, billing addressing mistakes and the like. The Federal Trade Commission website lays out those rights in detail. For this matter, nobody signs any contract with the Attachment of the false Charges. The Federal Trade Commission ( FTC ) is the nations consumer protection agency. The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace.\n\nIn addition, the Fair Credit Billing Act says that youll never be liable for unauthorized charges made while your card was in your possession. In other words, if the unauthorized charges were made with your credit card account information rather than your credit card, you wont be held liable if you still have physical possession of your credit card. See Per the Federal Reserve Board 's Regulation E, Electronic Fund Transfer Act.\n\nSue the company or take them to arbitration. Federal law permits you to sue the credit card company if it does not follow the dispute procedures discussed above or takes some action forbidden by law ( such as reporting a disputed amount as delinquent to a credit bureau ). However, your right to sue may be limited by a mandatory arbitration provision. Most credit card companies have slipped these provisions into their contracts ( probably one of those bill stuffers with tiny print that few consumers read ) that prevent you from suing a credit card company in court.\n\nI make this affidavit to establish the fraudulent use of my card. I did not give, sell, or trade my credit/debit/ATM card, nor did I give anyone permission to use my card. I have no knowledge that my spouse or minor children made transactions on or after the date of the first fraudulent transaction. I did not receive any benefit from the unauthorized use of my card. \nI had always associated the name American Express with quality ; but, they have lost any resemblance to quality or trust in the workplace. I DID NOT make or authorize this charge. See Attachment.\n\nTake Notice of Reinvestigation of this unlawfully matter with intent to file small claims in this matter.If you discover someone has made unauthorized charges on your credit card account, you should : Immediately contact the credit card company. ... If someone uses your lost or stolen credit card before you report it missing to the card issuer, you can only be held responsible for {$50.00} of any fraudulent charge. \ncomparing signatures, requesting documentation to assist in validating the claim, requesting a signed written statement from the cardholder or authorized user, and requesting information about the cardholder 's knowledge of the person who allegedly used the card or of that person 's authority to do so. \nElectronic Fund Transfer Act The Electronic Fund Transfer Act is 1978 federal legislation that establishes the liabilities and rights of consumers whose funds are electronically transferred. Consumer protections include a mandate that all transaction fees for ATMs be displayed prominently on the machine and a prohibition on fees not properly disclosed. Consumer liability for unauthorized transfers due to card or PIN number theft or card loss is capped at {$50.00} if the customer notifies his bank within two business days. One thing that isn't clear to me is how someone got access to the card if no one is using it and it wasn't held by an employee. In your situation, I'd want to get to the bottom of this, so it doesn't happen again. The Electronic Fund Transfer Act allows banks and other financial institutions to place their own, voluntary caps on liability for unauthorized credit card charges and use of ATM and debit cards. \nPlease take notice the Billing Address is XXXX XXXX XXXX XXXX XXXX # XXXX New York [ XXXX ]. The fake Merchant has engaged in violations of the FCRA and FDCPA! \nFurther, I may be required to comply with a court order or subpoena to give testimony. I swear this affidavit is true and understand that making a false sworn statement is subject to federal and/or state statutes and may be punishable by fines and/or imprisonment. Thank you for your help.A card is deemed compromised when its information may have been exposed to a third party without your authorization. This happens after you use it at a commercial establishment to make a payment. When unauthorized people have access to your card data through a business, or private, public or commercial office.fraudulent charges to purchase that we never had business with this company is a complete joke the Customer service is in the XXXX islands and nobody fixes the problem all they do shut the car off and refuse to investigate the fraud there should be sanctions against this company!!!!!","date_sent_to_company":"2019-10-03T13:58:11.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"14228","tags":null,"has_narrative":true,"complaint_id":"3393905","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2019-10-03T00:14:58.000Z","state":"NY","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["For this matter, nobody <em>signs</em> any contract with the <em>Attachment</em> of the false Charges. The Federal Trade Commission ( FTC ) is the nations consumer protection agency. The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace.\n\nIn addition, the Fair <em>Credit</em> Billing Act says that youll never be liable for unauthorized charges made while your card was in your possession."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[11.123697,"3393905"]},{"_index":"complaint-public-v1","_id":"16977584","_score":10.630013,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXTHIS VALIDATED REGISTRATION CARD OR A FACSIMILE COPY IS TO BE KEPT WITH THE\\nVEHICLE FOR WHICH IT IS ISSUED. THIS REQUIREMENT DOES NOT APPLY WHEN THE\\nVEHICLE IS LEFT UNATTENDED. IT NEED NOT BE DISPLAYED. PRESENT IT TO ANY PEACE\\nOFFICER UPON DEMAND. IF YOU DO NOT RECEIVE A RENEWAL NOTICE, USE THIS FORM\\nTO PAY YOUR RENEWAL FEES OR NOTIFY THE DEPARTMENT OF MOTOR VEHICLES OF THE\\nPLANNED NON-OPERATIONAL STATUS (PNO) OF A STORED VEHICLE. RENEWAL FEES MUST\\nBE PAID ON OR BEFORE THE REGISTRATION EXPIRATION DATE OR PENALTIES WILL BE\\nDUE PURSUANT TO CALIFORNIA VEHICLE CODE SECTIONS 9552 - 9554.\\nEVIDENCE OF LIABILITY INSURANCE FROM YOUR INSURANCE COMPANY MUST BE PROVIDED\\nTO THE DEPARTMENT WITH THE PAYMENT OF RENEWAL FEES. EVIDENCE OF LIABILITY\\nINSURANCE IS NOT REQUIRED WITH REGISTRATION RENEWAL OF OFF-HIGHWAY VEHICLES,\\nTRAILERS, VESSELS, OR IF YOU FILE A PNO ON THE VEHICLE.\\nWHEN WRITING TO DMV, ALWAYS GIVE YOUR FULL NAME, PRESENT ADDRESS, AND TH\\nVEHICLE MAKE, LICENSE, AND IDENTIFICATION NUMBERS.XXXX DO NOT DETACH - REGISTERED OWNER INFORMATION\\nREGISTRATION CARD VALID FROM: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNot a duplicate  please reopen/escalate. This filing supplements and escalates my prior complaint #XXXX and is not a duplicate. The companys verification still fails to establish that I ever agreed to be personally liable. XXXX XXXX XXXX XXXX XXXX continues furnishing a commercial/XXXX  obligation as a personal consumer tradeline, without producing a signed retail installment contract or personal guaranty from me.XXXXQuick verdict: This is not verification of personal liability.XXXX packet consists of: (a) a payment-delinquency table to me, (b) a California Cure Notice to me, (c) a Notice of Plan to Sell addressed to XXXX XXXX XXXX XXXX (listing me only as an interested party), and (d) an Auction Breakdown addressed to me. None of these documents includes a signed contract or personal guaranty bearing my signature that would authorize reporting this as my consumer debt. That fails the standard for verifying a tradeline that can lawfully appear on my personal credit file.XXXXWhy its legally insufficient (core points):XXXXNo signed contract/guaranty  unverifiable as my personal obligation. If the item cannot be verified, the CRAs must delete under FCRA 611(a)(5)(A); and after my dispute, the furnisher must conduct a reasonable investigation and correct/delete under FCRA 623(b) (15 U.S.C. 1681i, 1681s-2(b)).\\n\\nParty-of-record mismatch. XXXX  own sale notice is directed to XXXX XXXX XXXX XXXX (the business entity), not to me personally. Their deficiency accounting letter shows a claimed balance but still does not establish that I am personally liable. Furnishing this as my consumer debt is inaccurate.\\n\\nMetro 2 accuracy concerns. If the bureaus are showing Charge-Off and a Past-Due amount at the same time, that is typically inconsistent with Metro 2 post-charge-off reporting (post charge-off, Amount Past Due is generally $XXXX, while a charged-off balance may remain). I also request the DOFD (Date of First Delinquency) be confirmed and corrected, as it is required for the 7-year obsolescence period.\\n\\nWhat XXXX  actually sent as verification.\\nOnly notices and an auction/deficiency breakdownno document with my signature agreeing to personal liability. This does not verify the tradeline as legally reportable to my consumer file.\\n\\nWhy this is not a duplicate complaint.\\nMy prior complaint challenged XXXX XXXX accuracy and reinvestigation. This filing presents continued furnishing without producing a signed personal guaranty and specific Metro 2/FCRA defects that remain unresolved. It asks the Bureau to (1) require production of a signed contract/guaranty (if any) or (2) require XXXX  to cease furnishing and instruct the CRAs to delete as unverifiable under 611(a)(5)(A). These are new, unresolved issues, not previously addressed by XXXX  generic explanation.\\n\\nRequested CFPB action (escalation):\\nPlease escalate and require XXXX XXXX to either:XXXXProduce the original signed retail installment contract and/or personal guaranty showing I agreed to be personally liable (not just XXXX  notices); and provide the repo/sale documentation establishing compliance; or\\n\\nCease furnishing this account to the CRAs as my personal consumer debt and send deletion updates to Experian, XXXX XXXX XXXX; provide written confirmation; and ensure the CRAs supply a 611(a)(7) Method of Verification if they intend to keep the tradeline.\\n\\nBecause the company has not produced the required verifying documents tying me personally to this debt, the item is unverifiable under the FCRA and must be deleted.\\n\\nStatutes invoked: FCRA 607(b) (accuracy), 609(a)(2) (sources of information), 611(a) and 611(a)(5) (reinvestigation & deletion if unverifiable), 611(a)(7) (method of verification), and 623(a)(1), 623(b) (furnisher duties).\\n\\n3) What would be a fair resolution? (paste this)\\n\\nRequire XXXX XXXX to produce the signed personal guaranty/contract that authorizes reporting to my consumer file; if they cannot, require immediate deletion of the tradeline as unverifiable under 611(a)(5)(A).\\n\\nRequire XXXX XXXX to cease furnishing this account as my personal consumer debt and send deletion confirmations to Experian, XXXX, and XXXXXXXXRequire the CRAs to provide the 611(a)(7) Method of Verification and to correct Metro 2 fields, including removing any Amount Past Due after charge-off and confirming the DOFD used for obsolescence.\\n\\nWritten confirmation to me of all corrections/deletions.\\n\\n4) Attachments (upload these)XXXX verification packet (file name: XXXX) showing only notices and auction breakdown, no signed guaranty/contract.\\n\\nCalifornia Cure Notice (from XXXX XXXX).\\n\\nNotice of Plan to Sell addressed to XXXX XXXX XXXX XXXXAuction Breakdown/deficiency letter to me.\\n\\nDMV registration showing the XXXXXXXXMost recent Experian/XXXX report pages showing how the tradeline is displayed (status, balance, Amount Past Due, DOFD).\\n\\nPrior CFPB complaint confirmation for #XXXX (for non-duplicate context).\\n\\nGovernment ID and proof of address.\\n\\n\\nLIENHOLDER\\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAttn: Credit Reporting/Consumer Relations\\XXXX XXXX XXXX XXXX XXXXRE: FINAL DEMAND  ILLEGAL REPORTING OF COMMERCIAL DEBT AS PERSONAL\\nOBLIGATION\\nTo Whom It May Concern:\\nThis letter serves as your FINAL DEMAND for immediate action regarding the continued and\\nunlawful reporting of a commercial debt as my personal consumer obligation.\\nThe account in question involves a XXXX XXXX XXXX XXXX financed under a Retail\\nInstallment Contract dated XXXX XXXX XXXX. That contract was executed solely by XXXX XXXX XXXX, and I signed it exclusively as an Authorized Representative of the LLC. I have\\nnever agreed to be personally liable, nor have you produced any legally valid documentation\\nshowing otherwise.\\nDespite multiple dispute letters, you have failed to provide proof of a personal guaranty,\\ninstead submitting unrelated documents such as ledgers and repossession paperwork. You\\nhave not met your burden under the Fair Credit Reporting Act (FCRA) to report only\\naccurate information and to properly investigate consumer disputes.\\nYour ongoing actions violate:\\n- FCRA  1681s-2(a)(1)(A)  Prohibits reporting information known to be inaccurate.\\n- FCRA  1681s-2(b)  Requires reasonable investigation and correction upon notice of\\ndispute.\\nYou are knowingly furnishing false information to Experian, XXXX XXXX XXXX by\\nreporting this business obligation as my personal debt, without evidence of personal\\nliability. This constitutes willful noncompliance, exposing you to liability for actual,\\nstatutory, and punitive damages under 15 U.S.C.  1681n and  1681o.\\nAccordingly, you are hereby directed to:\\n1. Immediately cease all consumer reporting of this account under my personal credit file;\\n2. Submit deletion requests to all CRAs (Experian, XXXX XXXX);\\n3. Provide written confirmation that the tradeline has been deleted; and\\n4. Cease all future reporting of this account as a personal debt.\\nIf you fail to comply within 15 days of this notice, I will pursue all legal remedies available to\\nme  including filing suit in federal court.\\nYou are now on legal notice.\\nSincerely,\\XXXX XXXX XXXXAuthorized Representative, XXXX XXXX XXXX XXXX(No Personal Guaranty)\\nEnclosures:\\n- Retail Installment Contract (LLC obligor only)\\n- Government-issued ID and proof of address\\n- Prior dispute letters and communications'","date_sent_to_company":"2025-11-02T06:09:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"907XX","tags":null,"has_narrative":true,"complaint_id":"16977584","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-02T06:08:48.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["\\n\\n4) <em>Attachments</em> (upload these)XXXX verification packet (file name: XXXX) showing only notices and auction breakdown, no <em>signed</em> guaranty/contract.\\n\\nCalifornia Cure Notice (from XXXX XXXX).\\n\\nNotice of Plan to Sell addressed to XXXX XXXX XXXX XXXXAuction Breakdown/deficiency letter to me.\\n\\nDMV registration showing the XXXXXXXXMost recent Experian/XXXX <em>report</em> pages showing how the tradeline is <em>displayed</em> (status, balance, Amount Past Due, DOFD)."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[10.630013,"16977584"]},{"_index":"complaint-public-v1","_id":"3079687","_score":10.331163,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"NOTICE : Filing on behalf of XXXX XXXX XXXX not XXXX XXXX this is identity theft and creation of an dead person or entity that does not exist. \n\nNOTICE TO THE CREDIT BUREAUS EQUIFAX, XXXX, XXXX, WE NOTICE THAT SOMEONE WITHIN YOUR AGENCY ARE WORKING FOR THE PARTIES AT SUIT. \n\nTo ; CFPB we reviewed the responses by the credit agencies and none answered the questions of 1. how is this a Security and a mortgage at the same time. Rather they assumed that i said within my complaint that i signed an agreement with XXXX XXXX   and XXXX XXXX XXXX when this is a lie. 2. All three credit agencies stated that i have a mortgage signed with XXXX XXXX and XXXX XXXX XXXX when this is false also. My purchase of my home was with a different mortgage company not with either XXXX   XXXX  or XXXX XXXX XXXX. They also stated that they agreed with the two XXXX XXXX   and XXXX XXXX XXXX that there is a mortgage and that they had the right to file on my credit history 60 days after i purchased my home with XXXX XXXX XXXX XXXX XX/XX/2018 so how is this apart and correct or connected with XXXX XXXX or XXXX XXXX XXXX. This is fraud and i shall add you to the lawsuit once its filed if this is not removed from my credit history. \n\nI iam XXXX XXXX XXXX am in sound mind made the decision to address this issue without anyone pushing me. i XXXX XXXX XXXX in sound mind and body purchased a home from XXXX XXXX and not from XXXX XXXX XXXX nor XXXX XXXX. They have intruded upon my privacy and falsely claimed that i somehow met with either corporation and purchase a home from them. Without verification and validation the credit agencies seemed to agree with the two unknown agencies XXXX XXXX XXXX whom are extorting me and XXXX XXXX whom somehow acquired an illegal mortgage without my consent nor knowledge of. \n\nThey claim i XXXX XXXX XXXX in sound mind and body owe them money but would not express what type of currency is due or owed. When all the Banks and Corporations herein this matter did not responded to my cease and desist notice asking how was the funds created and where did the funds come from? They failed to answer. When i asked how did they obtain my private information they failed to answer. Rather somehow they shared some information with the Three credit agencies and they agree that their is a mortgage debt due but did not share this information that is supposed to be my private information with me XXXX XXXX XXXX in sound mind and body. For this i am filing a small claims law suit against all three in the amount of {$5000.00}. For two out of the three have been breached for identity thieves to gain access to my private information. As well they seem to agree with XXXX XXXX or XXXX XXXX XXXX whereas i have not obligations nor a contract with. I never met with anyone from either company as well i have never signed nor agreed to my property becoming a mortgage to be sold as a security instrument rather it is impossible for a security instrument to be a mortgage. It can only be one, a mortgage or an security instrument. For if the instrument was secured there could be no debt. \n\nTherefore when they could not and did not answer as in i set up correspondence with the CEO of both agencies banks or corporations and they failed to answer within the allotted thirty days. So they received a Failure to Respond notice. According to the FDCPA they must have validated the alleged mortgage or security instrument before answering. They have failed to do so, rather somehow all three credit agencies claim that i XXXX XXXX XXXX a woman in flesh and blood signed a contract with XXXX XXXX XXXX and XXXX XXXX and this is a lie. They also assumed that i am in some agreement to buy a home from either corporation and or agency and this is also a lie. They stated within their response false accusations without verifying facts nor evidence. None of this alleged information was shared with me that was shared with all three credit agencies and this is fraud. \n\nThey also lied within their response that i made mention that i had signed or purchased my home from XXXX XXXX XXXX or XXXX XXXX and this is also slander and libel for they said it and wrote it and placed it within the CFPB website making it public record. False and fraud is this information. \n\nTo the CEOs whom never responded : ill give you proper due process to respond within the next thirty days [ 30days ] to verify and validate this alleged mortgage, and proved me with the evidence written documents according to FOIA freedom of information act, which is The basic function of the Freedom of Information Act is to ensure informed citizens, vital to the functioning of a democratic society. This information was kept from me as all three credit agencies acted as if they shared the same information that XXXX XXXX and XXXX XXXX shared with them, i have no such information and i am requesting this information asap. \n\nMy documents are not third party and are from the original intent to correct my identity when ever someone attempts to use it illegally or without my consent or permission. This is the case right now. \n\nThe Credit Bureaus Company 's Response Thank you for submitting your complaint on XX/XX/2018, through the BCFP Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including the attachment, you have supplied through the BCFP portal and directly to XXXX. In your complaint, you indicated that your mortgage account was transferred without your consent. You are requesting that the information regarding the new creditor in charge of the mortgage be removed. We are in the process of contacting the disputed data furnishers to verify the accuracy of the information of the accounts with which you disagree. Please note that a reinvestigation may take up to 30 days. Upon completion, the result summary will be provided directly to you. A transferred debt may display on your credit report under the name of the original company or account, and also under the new company or account after it was transferred. An account that displays as transferred indicates that either the debt was bought by another company or the debt was transferred to another account with the same company. A personal credit report, by law, must list all parties that have requested a consumers credit history. According to the Fair Credit Reporting Act, credit grantors with a permissible purpose may inquire about credit information. Requests for your credit history remain on the personal credit report for 2 years. The federal Fair Credit Reporting Act ( the FCRA ) section 604 outlines permissible purposes of consumer reports. The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumers profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that XXXX does not receive a copy of any applications made to credit grantors. You may wish to contact the creditor directly for that information. If you have any additional supporting new documentation regarding the disputed information, you may forward that to XXXX for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher or public records office who verified that information. In addition, for more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX. Thank you for submitting your complaint through the BCFP Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX. \n\nI XXXX XXXX XXXX of sound mind and body oppose this statement and stand for it to be false, please provide this report according to the [ FOIA ] Freedom of information act asap. The records your Exd out does not comply with the FDRA Company responded on XX/XX/2018 Company 's Response According to our system, we have not received any previous investigation requests from you in regards to the disputed information. In response to your complaint, an investigation was initiated into XXXX XXXX XXXX # XXXX. Our investigation was completed on XX/XX/18 and XXXX XXXX XXXX # XXXX was verified as being accurately reported, along with your name, social security number and date of birth. The result of our investigation has been mailed to your current address, for your review. It is our position that the processing of your credit file has been in accordance with all applicable laws and, therefore, we are unable to accede to your request for monetary compensation. \n\nI XXXX XXXX XXXX of sound mind and body oppose this statement and stand for it to be false, please provide this report according to the [ FOIA ] Freedom of information act asap. \n\n\nXXXX XXXX CEO never responded but the CFPB sent this ; After our review, we found that the best agency to help you with your issue is XXXXXXXX XXXX XXXX XXXX. If you would like to submit your complaint with XXXX XXXX XXXX XXXX, contact them directly at XXXX XXXX XXXX or call ( XXXX ) XXXX.","date_sent_to_company":"2018-11-20T22:36:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89149","tags":null,"has_narrative":true,"complaint_id":"3079687","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-11-20T22:36:02.000Z","state":"NV","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Please</em> note that a reinvestigation may take up to 30 days. Upon completion, the result summary will be provided directly to you. A transferred debt may <em>display</em> on your <em>credit</em> <em>report</em> under the name of the original company or account, and also under the new company or account <em>after</em> it was transferred. An account that <em>displays</em> as transferred indicates that either the debt was bought by another company or the debt was transferred to another account with the same company."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[10.331163,"3079687"]},{"_index":"complaint-public-v1","_id":"3079684","_score":10.317086,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"NOTICE : Filing on behalf of XXXX XXXX XXXX not XXXX XXXX this is identity theft and creation of an dead person or entity that does not exist. \n\nNOTICE TO THE CREDIT BUREAUS XXXX, XXXX, TRANSUNION, WE NOTICE THAT SOMEONE WITHIN YOUR AGENCY ARE WORKING FOR THE PARTIES AT SUIT. \n\nTo ; CFPB we reviewed the responses by the credit agencies and none answered the questions of 1. how is this a Security and a mortgage at the same time. Rather they assumed that i said within my complaint that i signed an agreement with XXXX XXXX and XXXX XXXX XXXX when this is a lie. 2. All three credit agencies stated that i have a mortgage signed with XXXX XXXX and XXXX XXXX XXXX when this is false also. My purchase of my home was with a different mortgage company not with either XXXX XXXX or XXXX XXXX XXXX. They also stated that they agreed with the two XXXX XXXX and XXXX XXXX XXXX that there is a mortgage and that they had the right to file on my credit history 60 days after i purchased my home with XXXX XXXX XXXX XXXX XX/XX/2018 so how is this apart and correct or connected with XXXX XXXX or XXXX XXXX XXXX. This is fraud and i shall add you to the lawsuit once its filed if this is not removed from my credit history. \n\nI iam XXXX XXXX XXXX am in sound mind made the decision to address this issue without anyone pushing me. i XXXX XXXX XXXX in sound mind and body purchased a home from XXXX XXXX and not from XXXX XXXX XXXX nor XXXX XXXX. They have intruded upon my privacy and falsely claimed that i somehow met with either corporation and purchase a home from them. Without verification and validation the credit agencies seemed to agree with the two unknown agencies XXXX XXXX XXXX whom are extorting me and XXXX XXXX whom somehow acquired an illegal mortgage without my consent nor knowledge of. \n\nThey claim i XXXX XXXX XXXX in sound mind and body owe them money but would not express what type of currency is due or owed. When all the Banks and Corporations herein this matter did not responded to my cease and desist notice asking how was the funds created and where did the funds come from? They failed to answer. When i asked how did they obtain my private information they failed to answer. Rather somehow they shared some information with the Three credit agencies and they agree that their is a mortgage debt due but did not share this information that is supposed to be my private information with me XXXX XXXX XXXX in sound mind and body. For this i am filing a small claims law suit against all three in the amount of {$5000.00}. For two out of the three have been breached for identity thieves to gain access to my private information. As well they seem to agree with XXXX XXXX or XXXX XXXX XXXX whereas i have not obligations nor a contract with. I never met with anyone from either company as well i have never signed nor agreed to my property becoming a mortgage to be sold as a security instrument rather it is impossible for a security instrument to be a mortgage. It can only be one, a mortgage or an security instrument. For if the instrument was secured there could be no debt. \n\nTherefore when they could not and did not answer as in i set up correspondence with the CEO of both agencies banks or corporations and they failed to answer within the allotted thirty days. So they received a Failure to Respond notice. According to the FDCPA they must have validated the alleged mortgage or security instrument before answering. They have failed to do so, rather somehow all three credit agencies claim that i XXXX XXXX XXXX a woman in flesh and blood signed a contract with XXXX XXXX XXXX and XXXX XXXX and this is a lie. They also assumed that i am in some agreement to buy a home from either corporation and or agency and this is also a lie. They stated within their response false accusations without verifying facts nor evidence. None of this alleged information was shared with me that was shared with all three credit agencies and this is fraud. \n\nThey also lied within their response that i made mention that i had signed or purchased my home from XXXX XXXX XXXX or XXXX XXXX and this is also slander and libel for they said it and wrote it and placed it within the CFPB website making it public record. False and fraud is this information.\n\nTo the CEOs whom never responded : ill give you proper due process to respond within the next thirty days [ 30days ] to verify and validate this alleged mortgage, and proved me with the evidence written documents according to FOIA freedom of information act, which is The basic function of the Freedom of Information Act is to ensure informed citizens, vital to the functioning of a democratic society. This information was kept from me as all three credit agencies acted as if they shared the same information that XXXX XXXX and Fannie Mae shared with them, i have no such information and i am requesting this information asap. \n\nMy documents are not third party and are from the original intent to correct my identity when ever someone attempts to use it illegally or without my consent or permission. This is the case right now. \n\nThe Credit Bureaus Company 's Response Thank you for submitting your complaint on XX/XX/2018, through the BCFP Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including the attachment, you have supplied through the BCFP portal and directly to XXXX. In your complaint, you indicated that your mortgage account was transferred without your consent. You are requesting that the information regarding the new creditor in charge of the mortgage be removed. We are in the process of contacting the disputed data furnishers to verify the accuracy of the information of the accounts with which you disagree. Please note that a reinvestigation may take up to 30 days. Upon completion, the result summary will be provided directly to you. A transferred debt may display on your credit report under the name of the original company or account, and also under the new company or account after it was transferred. An account that displays as transferred indicates that either the debt was bought by another company or the debt was transferred to another account with the same company. A personal credit report, by law, must list all parties that have requested a consumers credit history. According to the Fair Credit Reporting Act, credit grantors with a permissible purpose may inquire about credit information. Requests for your credit history remain on the personal credit report for 2 years. The federal Fair Credit Reporting Act ( the FCRA ) section 604 outlines permissible purposes of consumer reports. The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumers profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that XXXX does not receive a copy of any applications made to credit grantors. You may wish to contact the creditor directly for that information. If you have any additional supporting new documentation regarding the disputed information, you may forward that to XXXX for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher or public records office who verified that information. In addition, for more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX. Thank you for submitting your complaint through the BCFP Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX. \n\nI XXXX XXXX XXXX of sound mind and body oppose this statement and stand for it to be false, please provide this report according to the [ FOIA ] Freedom of information act asap. The records your Exd out does not comply with the XXXX XXXX responded on XX/XX/2018 Company 's Response According to our system, we have not received any previous investigation requests from you in regards to the disputed information. In response to your complaint, an investigation was initiated into XXXX XXXX XXXX # XXXX. Our investigation was completed on XX/XX/18 and XXXX XXXX XXXX # XXXX was verified as being accurately reported, along with your name, social security number and date of birth. The result of our investigation has been mailed to your current address, for your review. It is our position that the processing of your credit file has been in accordance with all applicable laws and, therefore, we are unable to accede to your request for monetary compensation. \n\nI XXXX XXXX XXXX of sound mind and body oppose this statement and stand for it to be false, please provide this report according to the [ FOIA ] Freedom of information act asap. \n\n\nXXXX XXXX CEO never responded but the CFPB sent this ; After our review, we found that the best agency to help you with your issue is FEDERAL HOUSING FINANCE AGENCY. If you would like to submit your complaint with FEDERAL HOUSING FINANCE AGENCY, contact them directly at XXXX XXXX XXXX or call ( XXXX ) XXXX.","date_sent_to_company":"2018-11-20T22:35:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89149","tags":null,"has_narrative":true,"complaint_id":"3079684","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-11-20T22:23:40.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Please</em> note that a reinvestigation may take up to 30 days. Upon completion, the result summary will be provided directly to you. A transferred debt may <em>display</em> on your <em>credit</em> <em>report</em> under the name of the original company or account, and also under the new company or account <em>after</em> it was transferred. An account that <em>displays</em> as transferred indicates that either the debt was bought by another company or the debt was transferred to another account with the same company."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[10.317086,"3079684"]},{"_index":"complaint-public-v1","_id":"16977583","_score":10.315959,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXTHIS VALIDATED REGISTRATION CARD OR A FACSIMILE COPY IS TO BE KEPT WITH THE\\nVEHICLE FOR WHICH IT IS ISSUED. THIS REQUIREMENT DOES NOT APPLY WHEN THE\\nVEHICLE IS LEFT UNATTENDED. IT NEED NOT BE DISPLAYED. PRESENT IT TO ANY PEACE\\nOFFICER UPON DEMAND. IF YOU DO NOT RECEIVE A RENEWAL NOTICE, USE THIS FORM\\nTO PAY YOUR RENEWAL FEES OR NOTIFY THE DEPARTMENT OF MOTOR VEHICLES OF THE\\nPLANNED NON-OPERATIONAL STATUS (PNO) OF A STORED VEHICLE. RENEWAL FEES MUST\\nBE PAID ON OR BEFORE THE REGISTRATION EXPIRATION DATE OR PENALTIES WILL BE\\nDUE PURSUANT TO CALIFORNIA VEHICLE CODE SECTIONS 9552 - 9554.\\nEVIDENCE OF LIABILITY INSURANCE FROM YOUR INSURANCE COMPANY MUST BE PROVIDED\\nTO THE DEPARTMENT WITH THE PAYMENT OF RENEWAL FEES. EVIDENCE OF LIABILITY\\nINSURANCE IS NOT REQUIRED WITH REGISTRATION RENEWAL OF OFF-HIGHWAY VEHICLES,\\nTRAILERS, VESSELS, OR IF YOU FILE A PNO ON THE VEHICLE.\\nWHEN WRITING TO DMV, ALWAYS GIVE YOUR FULL NAME, PRESENT ADDRESS, AND TH\\nVEHICLE MAKE, LICENSE, AND IDENTIFICATION NUMBERS.XXXX  DO NOT DETACH - REGISTERED OWNER INFORMATION\\nREGISTRATION CARD VALID FROM: XXXX TO: XXXXXXXXMAKE YR MODEL YR 1ST SOLD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNot a duplicate  please reopen/escalate. This filing supplements and escalates my prior complaint #XXXX and is not a duplicate. The companys verification still fails to establish that I ever agreed to be personally liable. XXXX XXXX XXXX XXXX XXXX continues furnishing a commercial/XXXX  obligation as a personal consumer tradeline, without producing a signed retail installment contract or personal guaranty from me.\\XXXXQuick verdict: This is not verification of personal liability.XXXX packet consists of: (a) a payment-delinquency table to me, (b) a California Cure Notice to me, (c) a Notice of Plan to Sell addressed to XXXX XXXX XXXX XXXX (listing me only as an interested party), and (d) an Auction Breakdown addressed to me. None of these documents includes a signed contract or personal guaranty bearing my signature that would authorize reporting this as my consumer debt. That fails the standard for verifying a tradeline that can lawfully appear on my personal credit file.XXXXWhy its legally insufficient (core points):XXXXNo signed contract/guaranty  unverifiable as my personal obligation. If the item cannot be verified, the CRAs must delete under FCRA 611(a)(5)(A); and after my dispute, the furnisher must conduct a reasonable investigation and correct/delete under FCRA 623(b) (15 U.S.C. 1681i, 1681s-2(b)).\\n\\nParty-of-record mismatch. XXXX  own sale notice is directed to XXXX XXXX XXXX XXXX (the business entity), not to me personally. Their deficiency accounting letter shows a claimed balance but still does not establish that I am personally liable. Furnishing this as my consumer debt is inaccurate.\\XXXXnMetro 2 accuracy concerns. If the bureaus are showing Charge-Off and a Past-Due amount at the same time, that is typically inconsistent with Metro 2 post-charge-off reporting (post charge-off, Amount Past Due is generally $XXXX, while a charged-off balance may remain). I also request the DOFD (Date of First Delinquency) be confirmed and corrected, as it is required for the 7-year obsolescence period.\\XXXXWhat XXXX  actually sent as verification.\\nOnly notices and an auction/deficiency breakdownno document with my signature agreeing to personal liability. This does not verify the tradeline as legally reportable to my consumer file.XXXXWhy this is not a duplicate complaint.\\nMy prior complaint challenged XXXX XXXX accuracy and reinvestigation. This filing presents continued furnishing without producing a signed personal guaranty and specific Metro 2/FCRA defects that remain unresolved. It asks the Bureau to (1) require production of a signed contract/guaranty (if any) or (2) require XXXX  to cease furnishing and instruct the CRAs to delete as unverifiable under 611(a)(5)(A). These are new, unresolved issues, not previously addressed by XXXX  generic explanation.XXXXRequested CFPB action (escalation):XXXXPlease escalate and require XXXX  XXXX  to either:XXXXProduce the original signed retail installment contract and/or personal guaranty showing I agreed to be personally liable (not just XXXX  notices); and provide the repo/sale documentation establishing compliance; or\\n\\nCease furnishing this account to the CRAs as my personal consumer debt and send deletion updates to XXXX, Equifax, and XXXX; provide written confirmation; and ensure the CRAs supply a 611(a)(7) Method of Verification if they intend to keep the tradeline.\\n\\nBecause the company has not produced the required verifying documents tying me personally to this debt, the item is unverifiable under the FCRA and must be deleted.\\n\\nStatutes invoked: FCRA 607(b) (accuracy), 609(a)(2) (sources of information), 611(a) and 611(a)(5) (reinvestigation & deletion if unverifiable), 611(a)(7) (method of verification), and 623(a)(1), 623(b) (furnisher duties).\\n\\n3) What would be a fair resolution? (paste this)\\n\\nRequire XXXX XXXX to produce the signed personal guaranty/contract that authorizes reporting to my consumer file; if they cannot, require immediate deletion of the tradeline as unverifiable under 611(a)(5)(A).\\n\\nRequire XXXX XXXX to cease furnishing this account as my personal consumer debt and send deletion confirmations to XXXX, Equifax, and XXXXnRequire the CRAs to provide the 611(a)(7) Method of Verification and to correct Metro 2 fields, including removing any Amount Past Due after charge-off and confirming the DOFD used for obsolescence.\\n\\nWritten confirmation to me of all corrections/deletions.\\n\\n4) Attachments (upload these)\\n\\nBMW verification packet (file name: motor.pdf) showing only notices and auction breakdown, no signed guaranty/contract.XXXX XXXX XXXX XXXX XXXX XXXXNotice of Plan to Sell addressed to XXXX XXXX XXXX XXXXAuction Breakdown/deficiency letter to me.\\XXXXDMV registration showing the XXXXMost recent XXXX/Equifax/XXXX  report pages showing how the tradeline is displayed (status, balance, Amount Past Due, DOFD).\\n\\nPrior CFPB complaint confirmation for #XXXX (for non-duplicate context).\\n\\nGovernment ID and proof of address.\\n\\n\\nLIENHOLDER\\XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAttn: Credit Reporting/Consumer RelationsXXXX XXXX XXXX XXXX XXXXRE: FINAL DEMAND  ILLEGAL REPORTING OF COMMERCIAL DEBT AS PERSONAL\\nOBLIGATION\\nTo Whom It May Concern:\\nThis letter serves as your FINAL DEMAND for immediate action regarding the continued and\\nunlawful reporting of a commercial debt as my personal consumer obligation.\\nThe account in question involves a XXXX XXXX XXXX XXXX financed under a Retail\\nInstallment Contract dated XXXX XXXX XXXX. That contract was executed solely by XXXX XXXX XXXX, and I signed it exclusively as an Authorized Representative of the XXXX. I have\\nnever agreed to be personally liable, nor have you produced any legally valid documentation\\nshowing otherwise.\\nDespite multiple dispute letters, you have failed to provide proof of a personal guaranty,\\ninstead submitting unrelated documents such as ledgers and repossession paperwork. You\\nhave not met your burden under the Fair Credit Reporting Act (FCRA) to report only\\naccurate information and to properly investigate consumer disputes.\\nYour ongoing actions violate:\\n- FCRA  1681s-2(a)(1)(A)  Prohibits reporting information known to be inaccurate.\\n- FCRA  1681s-2(b)  Requires reasonable investigation and correction upon notice of\\ndispute.\\nYou are knowingly furnishing false information to XXXX, Equifax, and XXXX  by\\nreporting this business obligation as my personal debt, without evidence of personal\\nliability. This constitutes willful noncompliance, exposing you to liability for actual,\\nstatutory, and punitive damages under 15 U.S.C.  1681n and  1681o.\\nAccordingly, you are hereby directed to:\\n1. Immediately cease all consumer reporting of this account under my personal credit file;\\n2. Submit deletion requests to all CRAs (XXXX, Equifax, XXXX);\\n3. Provide written confirmation that the tradeline has been deleted; and\\n4. Cease all future reporting of this account as a personal debt.\\nIf you fail to comply within 15 days of this notice, I will pursue all legal remedies available to\\nme  including filing suit in federal court.\\nYou are now on legal notice.\\nSincerely,XXXX XXXX XXXXAuthorized Representative, XXXX XXXX XXXX XXXXNo Personal Guaranty)\\nEnclosures:\\n- Retail Installment Contract (LLC obligor only)\\n- Government-issued ID and proof of address\\n- Prior dispute letters and communications'","date_sent_to_company":"2025-11-02T06:09:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"907XX","tags":null,"has_narrative":true,"complaint_id":"16977583","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-02T06:08:48.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["\\n\\n4) <em>Attachments</em> (upload these)\\n\\nBMW verification packet (file name: motor.pdf) showing only notices and auction breakdown, no <em>signed</em> guaranty/contract.XXXX XXXX XXXX XXXX XXXX XXXXNotice of Plan to Sell addressed to XXXX XXXX XXXX XXXXAuction Breakdown/deficiency letter to me.\\XXXXDMV registration showing the XXXXMost recent XXXX/Equifax/XXXX  <em>report</em> pages showing how the tradeline is <em>displayed</em> (status, balance, Amount Past Due, DOFD)."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[10.315959,"16977583"]},{"_index":"complaint-public-v1","_id":"2861601","_score":10.050128,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"What I am about to unfold will change everything and I strongly urge to take seriously. \n\nAdditionally, this complaint will help provide a documented history for the Federal Lawsuit I will be filing against current CEO XXXX XXXX XXXX XXXX XXXX, former Ceo XXXX XXXX and possibly incoming CEO XXXX XXXX. \n\nFirst and foremost, I cant think of a more deplorable, defiant & remorseless Corporation than Equifax, which currently fields the most complaints of any company in any industry. \nMore urgently the damage Equifax typically causes on me or any other voting citizen is unrepairable and also causes more destruction/harm than any other industry i can think of. \n\nDespite a history of conspicuously providing faulty and inaccurate information, and decades of continually refusing to make real changes to assure they are providing correct information. Equifax alternately schemes to find ways that give the appearance of being Law-Abiding and all this is at the direction or knowledge of the CEO and board of Directors. \n\n\nSummary of Facts concerning my issue ( s ) : Way back around XX/XX/XXXX, I attempted to place a 90-day Alert to my credit report I assumed this information, as required by law, would be shared with XXXX  & XXXX. \nIncredibly in early XXXX, I received a letter from Equifax refusing to ad the Alert ( see attached letter dated XX/XX/XXXX ) I spent the next couple months fighting for a 90-day Alert to be added ( I was unaware during this time my Identity had already been compromised and damage continued through this period ) Note * An Alert would have prevented months more of damages! \nIn XX/XX/XXXX & XX/XX/XXXX, I filed ID theft reports and Request to block accounts, which are still reporting on my Equifax credit report. Equifax Never responded to the XXXX request and Denied the XXXX XXXX Request. Completely and willfully IGNORING what the law requires. \nOn XX/XX/XXXX, I Filed another ID Theft report and Affidavit ( FTC report # XXXX ). I certified mailed this along with an affidavit of identity, proof of address along with other documents. ( See attachment ) On XX/XX/XXXX, I filed another ID Theft report and Affidavit ( FTC report # XXXX ) identifying one ( 1 ) XXXX, two ( 2 ) XXXX accounts, & two ( 2 ) XXXX account, also claiming the following inquiries were not authorized by me ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. As in my previous, signing an affidavit of XXXXdentity & Affidavit Under penalty of perjury and certified mailed all documents to EQUIFAX. ( See attachments ) EQUIFAXS biggest problem & Display of their complete defiance of the law. : Equifax literally admitted to a direct violation of the FCRA in their response dated XX/XX/XXXX, confirmation # XXXX. ( See Attachments ) Here is Equifaxs response ; Under Results Of Your Investigation We Have reviewed your concerns and our conclusions are : Please be advised that Equifax, at this time, will NOT BLOCK the information subject to the submitted identity Theft and/or police report you provided as part of your dispute. We are contacting each creditor directly to verify The account/s on your behalf. \n\n*********WOW!!!! ***** Equifax knows they have no choice in this matter to block the claimed accounts as long as I provided the proper documentation, which I have 4 times. \n\nThe FCRA 605B ( c ) explicitly sets forth reasons Equifax must provide in order to deny or rescind a block of information from an individuals credit report who has filed an Identity Theft claim. \nEquifax did NOT provide a specific reason as required that permit them to deny. ( Another violation of the law ) They are somehow under the delusional belief that if the furnisher mantians a disputed account as belonging to the ID THEFT Victim, this will release them ( Equifax ) from any violations or damages. WRONG!!! \nThe asserted reason of conducting an investigation is not a condition of blocking under section 605B. This was mentioned numerous times in the minutes when Congress created these policies and in a memo from : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX RE :  XXXX XXXX XXXX XXXX XXXX FCRA Legislation, H.R. 2622 In other words, CRAs are required to BLOCK tradelines claimed by consumers within 4- days as long as the consumer signs an Affidavit and files a signed Identity Theft complaint, period! \nThe very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report or FTC Identity Theft claim. EQUIFAX could have always had the Blocked account ( s ) unblocked once the furnisher completes a Proper or reasonable investigation and determines otherwise. \nHowever, EQUIFAX has now lost its rights under that option for their willful and defiant choice to ignore well established rules and law. \n\nTherefore, I am requesting for EQUIFAX to : Please identify which reason or reasons for each tradeline I have claimed Identity theft that Equifax has denied my request to Block. \nWas it.. \na ) Made in error? if this is Equifaxs reason please provide the specific error so I have an ability to correct it or address this error. \nOr was it b. ) a misrepresentation of material fact relevant to the request to block? If EQUIFAX claims this reason please provide me with the Material Fact EQUIFAX claims was misrepresented and provide the proof as required by law that EQUIFAX received in their investigation, when EQUIFAX received this information, how EQUIFAX received this information and the source of the information. \nOr was it c. ) you have obtained possession of goods, services or money as a result of the transaction issue? If EQUIFAX claims this reason, please provide me with the specific goods, services or money I have obtained. When EQUIFAX received this information, how EQUIFAX received this information and the source of the information. \n\nAdditionally, I am requesting if my case has been forwarded to a Working Group or specialized personal for evaluation and to identify this group or personal. \n\nThis is as clear as i can be. I am hoping EQUIFAX does not try to dilute their response with irrelevant nonsense. I mean, I would hope the purpose for both sides is to resolve this issue and the best way to do that is with clarity and transparency. Please understand the longer this takes the more damage myself and other victims would be exposed to. \nA certified letter with this duplicate information will be sent out on XX/XX/XXXX to ensure I have used all viable options for notice. \n\nHOWEVER, whatever EQUIFAXS reasons are now is irrelevant, my complaint is that EQUIFAX continued refusal to Block accounts within four ( 4 ) days, which myself and thousands of others properly claimed as a result of Identity Theft. EQUIFAX has deliberately implemented a scheme for the sole purpose to manipulate, rebel and disregard the FCRA and other State laws. They do this knowing it will cause more harm to Victims of Identity theft, possibly ruin lives, so they can show favoritism and loyalty to paying customers, otherwise known as the furnishers. \nAs a result of EQUIFAXs refusal to follow the law, XXXX XXXX was able to file a civil complaint against me, forcing me to spend thousands more by hiring an attorney. After providing documents to XXXX XXXX attorneys and forcing XXXX to finally conduct a PROPER investigation, XXXX XXXX had no other choice but to dismiss the case WITH PREJUDICE ( see attachment of dismissal ). Anyone who is familiar with XXXX legal reputation recognizes how rare this is for them to do. \n****The XXXX XXXX legal case simply strengthens the legitimacy of my previous identity theft claims! \n\nThis is the same XXXX XXXX I filed an IDENTITY THEFT claim against in XXXX, & XXXX, which EQUIFAX REFUSED to block within the required 4 business days. \n\nSo either EQUIFAX never conducted a proper investigation or XXXX XXXX lied to EQUIFAX or both. Either way, I suffered a tremendous amount of damages, monetary, physically and emotionally? \n\nOnXX/XX/XXXXand XX/XX/XXXX, I filed the identical claims in XXXX and XXXX with the following accounts : XXXX acct. # XXXX XXXX XXXX XXXX XXXX acct. # XXXX XXXX XXXX XXXX XXXX acct. # XXXX acct. # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX Just like my XXXX XXXX claim, none of these accounts were ever BLOCKED as required by law. Just like my XXXX XXXX claim, EQUIFAX claims to have conducted a proper investigation Just like my XXXX XXXX claim, EQUIFAX claimed THE INFORMATION YOU DISPUTED HAS BEEN VERIFIED AS ACCURATE. \nCurrently, EQUIFAX continues to allow these five ( 5 ) accounts to report on my credit report. \nIs EQUIFAX going to follow the law this time and block those accounts? \n\nInvestigating my claim of ID Theft now is irrelevant. WHY? EQUIFAX CHOSE to ignore their legal requirement. Whereas, I followed the law, EQUIFAX CHOSE not to follow the law. \n\nThe big question now ... Will EQUIFAX CHOSE to continue to be defiant, forcing me to spend thousands more in legal fees, therefore work years longer into what should be my retirement years. \n\n\nNevertheless, I now have all the information needed to make EQUIFAX and their XXXX CEO and Executives ACCOUNTABLE! \n\nI can promise you, A FEDERAL LAWSUIT is on its way YOU XXXX & DO NOT expect any settlement without the entire board stepping down and WITHOUT any Severance pay. ( The times of executives receiving a severance pay for their unlawful and/or dereliction of duties MUST end ). Anything short of that and we will have a jury trial, which I strongly prefer. \n\n*YOU HAVE UNTIL XX/XX/XXXX to BLOCK THE ACCOUNTS I HAVE BEEN REPORTING * XXXX XXXX found out the hard way, but I have a feeling Equifax will also roll the dice. \n\n\nCc : XXXX XXXX XXXX Cc : FTC CC : XXXX XXXX investigative reporter XXXX ( 14 time XXXX  award recipient ) XXXX XXXX","date_sent_to_company":"2018-04-02T18:35:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48322","tags":"Older American","has_narrative":true,"complaint_id":"2861601","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-04-02T18:11:31.000Z","state":"MI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["As in my previous, <em>signing</em> an affidavit of XXXXdentity & Affidavit Under penalty of perjury and certified mailed all documents to EQUIFAX. ( See <em>attachments</em> ) EQUIFAXS biggest problem & <em>Display</em> of their complete defiance of the law. : Equifax literally admitted to a direct violation of the FCRA in their response dated XX/XX/XXXX, confirmation # XXXX. ( See <em>Attachments</em> ) Here is Equifaxs response ; Under Results Of Your Investigation We Have reviewed your concerns and our conclusions are : <em>Please</em>"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[10.050128,"2861601"]},{"_index":"complaint-public-v1","_id":"5284553","_score":9.619867,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX, my XXXX account was hacked and the credit card information stored on there was used to make XXXX fraudulent purchases of {$960.00}, {$850.00}, {$60.00}, and {$33.00}. After calling XXXX and Capital One to report the fraud, the latter XXXX charges were resolved and my account was given adjustments to balance out the charges. For some reason or another, Capital One refused to recognize the {$960.00} charge as fraud and they have continued to push back despite XXXX giving me documentation confirming the hacking and that the IP address did not match the one I normally log in with ( they had me give Capital One the reference number : XXXX ). \n\nI was notified of these purchases in the late evening of XX/XX/XXXX, sometime around XXXX pm when I parked in my garage and looked at my phone to see the notifications from Capital One of the purchases. I checked my email inbox as well to see an email from XXXX notifying me that my account had been accessed from an Android phone 's XXXX app ( I don't have an XXXX app, nor do I own an Android - XXXX later notified me that an IP address from Texas had accessed my account that day - I live in NY state ). I tried to get into my XXXX account but my password and phone number attached to the account had been changed. Oddly enough, my address remained unchanged and all XXXX purchases were set to ship to my home. When I called XXXX and reported my hacked account, they helped me get access back and tried to contact the sellers to cancel all the transactions. XXXX has also provided written confirmation that my account was hacked and those purchases with my card were unauthorized ( see attachments ). Despite this, Capital One still insists that this single purchase made from the collective fraudulent use is NOT fraud. Fraud managers that I've spoken to on the phone have given me a different reason every time I've called ; the most recent being that my IP was a match ( which XXXX later clarifies it does not with that reference number ). \n\nTo further support my case, I have attached images below from my XXXX account displaying the {$960.00} purchase ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), as well as the {$850.00} purchase ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) as they are not only extremely large purchases, but both are from the same seller, XXXX, an XXXX account with a join date of XX/XX/XXXX, and which is no longer a registered user after I reported them to XXXX following my initial report of my hacked account on the XXXX. I have strong suspicions this was the person that originally hacked my account. \n\nThese purchases were made by an unknown party who gained fraudulent access to my XXXX account and my credit card information stored there. It should be noted that I have not received either item from XXXX despite the XXXX data. If the {$850.00} purchase ( as with the {$60.00} and the {$33.00} purchases ) was found as fraud, which was made the same day, by the same IP address as the {$960.00} purchase, then the {$960.00} purchase should also clearly be found to be fraudulent as well. I have also attached an image of the email I received on XX/XX/XXXX from XXXX that alerted me to someone accessing my account from an unauthorized source ( it refers to an Android app, which I do not own ) ; please note the XXXX minute period between this unauthorized sign in and the purchases referenced above. On the XXXX tracking images, you'll also notice my house address is absent in the data despite my village and state being correct. \n\nI have had a Capital Credit card for nearly a decade and have had been in good standing with no previous claims of fraud. I am at a loss as to why Capital One is pushing back on clear evidence of fraud, especially given as this purchase was XXXX of XXXX with the other XXXX being found as fraud. Nothing I have said over the phone seems to have been taken into account, even when speaking to a fraud manager.","date_sent_to_company":"2022-03-04T07:02:41.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"145XX","tags":null,"has_narrative":true,"complaint_id":"5284553","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-03-04T00:01:22.000Z","state":"NY","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, my XXXX account was hacked and the <em>credit</em> card information stored on there was used to make XXXX fraudulent purchases of {$960.00}, {$850.00}, {$60.00}, and {$33.00}. <em>After</em> calling XXXX and Capital One to <em>report</em> the fraud, the latter XXXX charges were resolved and my account was given adjustments to balance out the charges."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[9.619867,"5284553"]},{"_index":"complaint-public-v1","_id":"3502017","_score":9.475428,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"Wednesday XX/XX/XXXX I logged onto the Check 'n Go website to apply for an installment loan in which I provided my personal information that included my bank account, routing number and social security number. The application requires you to create an account. After I submitted the application, the message states that I can log back into my newly created account periodically to check the status of the loan. I logged back in a couple times and the status showed as pending. \n\nFriday XX/XX/XXXX ( XXXX ) An alert notification from the company was sent to my junk/spam box stating that my funds were on their way. This alert notice had the following loan terms which I never saw, reviewed, vetted or signed. How can I get funded at XXXX when I hadnt submitted my valid ID? Per their application requirements, To apply for a loan, you will need at least a valid ID, proof of income, an active checking account and a working phone number. \nLoan Amount : {$XXXX}  First Payment Amount : XXXX} First Payment Date : XX/XX/XXXX Note, I never noticed this email as it was sent during the early morning hours on XX/XX/XXXX. I was asleep at this time and didnt discover nor expect the approval alert notification. I discovered this alert on XX/XX/XXXX after I started to research the events that led up to the surprise funding in preparation for my CFPB complaint. \nI had blocked all payday loan companies and routed them to junk/spam box. I started to receive too many emails from different pay day loan companies that I never dealt with or submitted a loan application to. I believe due to a loan that I previously took with the pay day loan company XXXX XXXX XXXX, these other pay day loan companies got my personal information and started sending me offers daily. It was interfering with important emails I intended to receive. Check n Go was one of the loan companies blocked. \nHow can funds have been on their way without my knowledge, approval or signature on a loan agreement? I never was able to view the loan terms or ask about the loan prior to the surprise funding Friday XX/XX/XXXX ( XXXX PST ) I logged in and the status was still pending, but there was also a new request to verify my identity by submitting a copy of my government issued identification. I uploaded a copy of my California driver license successfully. \n\nFriday XX/XX/XXXX ( XXXX PST ) I logged into my account to check the status and the identity verification message was still there. It didn't reflect my successful upload of my California driver license earlier in the day. \nSo I clicked on the \" contact us '' link which sends an electronic message to customer service. I was able to email customer service using the link provided within my account ( see message details in attachment ). The message details show my message was received by the company at XXXX XXXX. I informed them on this electronic submission contact form, that I uploaded my ID and if approved, would they be able to fund my account before the next Monday. I never received proper notification about an approval. Their response to this message didnt arrive until XX/XX/XXXX. \n\nFriday XX/XX/XXXX ( Various times after XXXX ) I hadn't heard from the company so I tried to log into my account using the correct password that I initially created. I kept getting the same 5 error messages ( see error message details in attachment ) repeatedly with no success. I repeated the reset process several times to include correctly entering a password that met their requirements. The password requirements were displayed separately, after each attempt. Specific or pieces of Password reset information elsewhere is never triggered separately as it is for Check n Go. \n\nNone of the options or instructions contained in the error messages worked and I was never emailed instructions to reset my password until XX/XX/XXXX ( see 3 reset emails received from company in attachment ). \nWhen trying to satisfy each error message, I met the password requirement and entered several different password combinations with at least one number and one letter ( i.e. XXXX! or XXXX! ) and I still got the same 5 error messages that didnt make sense, as I entering different passwords correctly based on the error message type. \nThen I got another type of error message stating that I need to enter a password with at least 8 characters as they specified. No matter what I did, including entering correct password criteria, I was never able to reset my password and access my account. \nAfter at least 5 password attempts, I proceeded to call the 800 number as noted everywhere in their communications and on their website, but I was never able to get through. I repeated the reset process many times because it didn't make sense, if I'm entering the correct criteria, why do I keep getting rerouted through each error message over and over again? \n\nFriday XX/XX/XXXX XXXX various times throughout the day ) I called the 800 listed as noted and still was not able to get through. The greeting stated to enter my zip code so I could be routed to the respective store in my area. \nAfter I entered my zip code, I was routed to the XXXX location and their greeting stated their offices are now closed, to please call back on the next business day. The next business day would be the following Monday XX/XX/XXXX. \n\nXX/XX/XXXX My bank was credited with loan fund amount of XXXX XX/XX/XXXX An ACH debit for {$XXXX} was taken from my checking account. This was their second big surprise. I never knew what the monthly repayment terms were until XX/XX/XXXX. I was very worried and felt extremely nervous, as I used the surprised funding. I was in distress, hence me seeking an installment loan. I decided, oh well, I did apply and I did get the loan funds. I was feeling like this was my obligation to pay. \n\nXX/XX/XXXX The second payment for {$XXXX} was taken from my checking account. \n\nXX/XX/XXXX I felt that although I was funded, I never signed a contract agreeing to those terms. It's wrong to surprise a person already in financial distress with {$XXXX} and charge a repayment rate of % XXXX resulting in a total loan payment of {$XXXX} after 11 payments of {$XXXX} each month. If I could truly afford this loan and still be able to feed my family, I wouldn't have needed a loan in the first place. \nDue to the uneasiness and stress of this new obligation, I called my bank and submitted paperwork to reverse the fees. While I did use the funds, I realized that I never signed a loan agreement. The process took a few days and was finally credited back to my account on XX/XX/XXXX in the amount of {$XXXX}. \n\nXX/XX/XXXX As I was retracing my steps and trying to recall and retrieve all events & applicable documentation leading up to this predatory loan, I found the notice of approval that was auto generated & sent from XXXX. The date and time showing as received in my gmail inbox is : XX/XX/XXXX, XXXX XXXX. \n\nXX/XX/XXXX Due to the reversal of fees from my bank, a Check n Go representative called me to ask for my debit card number. I explained to him that I never received the loan agreement and that I could not afford their terms and that I would be disputing the matter with concerned regulating agencies or other concerned parties regarding my consumer rights and the fact that I never signed a contract with them. \nAlso, a follow up email about how I could repay the loan was sent the same day. I received two communications in one day about repayment. \n\nXX/XX/XXXX ( XXXX PST ) Company sends me notice regarding bank reversal and requesting that I contact them to start repaying this now delinquent loan. My XXXX payment includes interest and totals {$XXXX}. \n\nXX/XX/XXXX ( XXXX PST ) I emailed the following message to the company : The links sent do not work. I applied for this loan, but was declined, then I was \" surprised '' to see the money in my account, but no one had discussed payment agreement. I would not have accepted the loan at the rate or payment of {XXXX} per month. That defeats the purpose of needing money. I needed money and a loan, but the payment per month is too costly and I can not afford that. I think this business practice of the surprise element is predatory. You know I was desperate, but funding me unexpectedly without discussing payment terms with me is unacceptable. \n\nI will repay the loan, but the links do not work, just as I tried to log into my account before you all funded me, but was and still am unable to access my account to date. I will document these events for future purposes, to include contacting the Federal Trade Commission for violations under the Fair Credit Reporting Act. \n\nI still can not access my account to view the activity to include message history, loan signing history/proof. They never bothered to follow up with me regarding the loan terms or approval. Well they did up to the point they successfully validated that I was in fact the borrower when I submitted my official ID. They obviously verified my bank info and that I did, in fact, have an active valid checking account from which they could take my money at whatever term they agreed upon for me. \nI have received over 10 calls and emails since I reversed the fees. \nTheir contact us number XXXX doesn't work ; you can't get a real live person on the phone. It leads you in circles to your respective store location that is closed. This number is listed on all messages prior to them funding your account/loan. You are not given their actual customer email address until you default or become late with your payments. All other contact us links sends you to an online submission form which gets routed to their customer service. \n\nIronically, t the return call phone number XXXX can also connect you to a real live person if you press option 2 during business hours. But first, immediately the caller/customer is given step by step instructions to enter your financial information through their auto payment system which is open and can accept payments at any time of the day. They do not offer the same availability and flexibility for consumers trying to inquire about their loan terms or ask questions about any discrepancies. Offering unlimited hours by which to receive automatic payments benefits them and ultimately creates a greater possibility of ensuring they can receive repayment funds. \nOnce they have your bank account verified, they approve you right away and auto determine loan terms. They already have your bank information early on because it's required to apply for the loan. They dont have to wait for you to submit an official Government issued ID as evidenced in my case. \n\nXX/XX/XXXX Company sends me loan agreement with the following customer e-signature on file in the space where my signature should go. I never submitted an approval to approved or sign electronically. This is not acceptable to receive a loan agreement three months after the fact. I was never able to view this document and I did not sign it.","date_sent_to_company":"2020-01-24T17:13:15.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"95687","tags":null,"has_narrative":true,"complaint_id":"3502017","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CNG FINANCIAL CORPORATION","date_received":"2020-01-19T22:21:00.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Friday XX/XX/XXXX ( Various times <em>after</em> XXXX ) I hadn't heard from the company so I tried to log into my account using the correct password that I initially created. I kept getting the same 5 error messages ( see error message details in <em>attachment</em> ) repeatedly with no success. I repeated the reset process several times to include correctly entering a password that met their requirements. The password requirements were <em>displayed</em> separately, <em>after</em> each attempt."]},"sort":[9.475428,"3502017"]},{"_index":"complaint-public-v1","_id":"14519677","_score":7.7332106,"_source":{"product":"Mortgage","complaint_what_happened":"I have experienced an enormous amount of dysfunction, unprofessionalism, and an insurmountable amount of anguish because of the serious dereliction of duty as well as BSI 's inability to exercise due diligence with quality control in all aspects in servicing my mortgage loan. I have attached some data and information ( Modification Agreement, Loss Mitigation Application, and screen shots of the web portal as well as my last mortgage statement. Also, I have attached a case that demonstrates the many legal issues BSI has and is involved in as well as a the Consumer Financial Protection Bureau order for furnishers of credit or organizations who report consumer credit activity as BSI has violated my FRCA rights. BSI 's gross negligence and massive mis-handling of the mortgage account in question is listed in the subject line.\n\nBSI 's inability to preform on servicing the loan, finalizing the modification, reporting negative activity to all the credit reporting agencies, and sending me a loss mitigation application after finalizing the trial period as well as meeting all documentation and financial obligations and objectives to include signing and notarizing the new mortgage contract as well as ensuring payment rendered for all three trial payments ( XXXX, XXXX & XXXX ) held by myself were adhered to strictly. \n\nBSI has faced several lawsuits and regulatory actions related to mortgage servicing practices. The Consumer Financial Protection Bureau ( CFPB ) has settled with BSI over violations of the Consumer Financial Protection Act, RESPA, and TILA related to mortgage servicing transfers and escrow handling. \n\nAdditionally, the New York Attorney General has cited BSI for failing to properly implement loss mitigation procedures during the COVID-19 pandemic. Other lawsuits involve claims of wrongful foreclosure, improper fee assessments, and inadequate document management systems.\n\nKey Issues and Actions : CFPB Settlement : The CFPB found that BSI failed to accurately transfer loss mitigation information, handle escrow accounts properly, and adequately oversee service providers during mortgage servicing transfers. \n\nNew York Attorney General Action : BSI was found to have failed to properly implement loss mitigation procedures during the COVID-19 pandemic, potentially affecting homeowners facing foreclosure.\n\nLawsuits : Lawsuits against BSI have included allegations of wrongful foreclosure, improper fee assessments, and issues with their document management system.\n\nCFPB Requirements : The CFPB settlement required BSI to pay a civil penalty and provide restitution to affected consumers. \n\nSystemic Changes : BSI was also required to establish a comprehensive data integrity program and improve its information technology systems.\n\nSpecific Examples : -In a case involving XXXX XXXX XXXX lawsuits were filed against BSI, XXXX XXXX XXXX and XXXX Investors related to mortgage servicing practices and foreclosure. \nXXXX XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX suit against BSI on behalf of the XXXX XXXX XXXXXXXX XXXX though details of the suit are not fully elaborated. \nXXXX XXXX page titled \" The TRUTH About BSI Financial Services '' highlights a specific case of a homeowner facing eviction due to alleged wrongful foreclosure and issues with payment processing by XXXX XXXX XXXX and BSI. \n\nThese examples demonstrate a pattern of BSI facing legal and regulatory challenges related to its mortgage servicing practices, including issues with transfers, escrow management, loss mitigation, and fee assessment. \n\nI have met all the obligations put forth in the modification however ; BSI has not met theirs nor adhered to FRCA guidelines. This complete and utter dysfunction BSI has displayed and acted on with the handling of my mortgage has catastrophically affected me financially, mentally and emotionally.\n\n* * * * * * Please see attached * * * * * * I am attaching for the record the documentation that has been communicated by both parties : XXXX  XXXX, XXXX dba BSI FINANCIAL and myself ( XXXX XXXX XXXX ). Also, I am forwarding with attachments the two previous documents ( Qualified Written Requests ) I sent through certified mail vis USPS. Please review all documentation for review and reference for all matters. \n\nI have attached the following documents : 1. Mortgage Statements for XX/XX/XXXX  and XX/XX/2025 XXXX. Loan Modification - Modification was signed and notarized and sent on-time Trial Payment for XX/XX/2025 - XXXX - {$2100.00} ACH Withdrawal BSI FINANCIAL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Payment for XX/XX/2025 - XXXX - {$2200.00} ACH Withdrawal BSI FINANCIAL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XX/XX/2025 - XXXX - {$2100.00} {$2800.00} ACH Withdrawal BSI FINANCIAL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Loan payment XX/XX/2025 - XXXX {$2100.00} ACH Withdrawal BSI FINANCIAL XXXX, BSI FINANC XXXX XXXX XXXX XXXX XXXX Notice of Updated Modification Agreement ( Highlighted and Circled are the contact terms and obligations ). \n4. Annual Escrow Disclosure Statement 5.Mortgage Statement for XX/XX/2025 XXXX. Mortgage XXXX for XX/XX/2025 XXXX. Notice for a XXXX Qualified Written Requests 1. Notice of Errors and Qualified Writted Request 2. RESPA ( QWR ) 12 USC 2605 ( e ) I have multiple calls and emails regarding the issues BSI is causing that I am experiencing This will be my last attempt at communicating with BSI to go resolve the issues already known and have had no success through standard channels of communication and it is obvious I am not able to determine what is occurring with my loan and I am being threatened of losing my home to foreclosure now because of BSI 's ability to perform as a mortgage servicer. My complaints are valid, The point where gross negligence, dereliction of duty, mis-handling and mis-managment of the mortgage is completely uncertain and major FCRA rights violations have occurred. \n\n1. Loan Modification Process - Major issues with payment structure 2. Escrow adjustments have been mis-applied and mis-handled 3. Continuous and consistent damage to my credit worthiness through negative reporting to the CRBs wrong and unlawful information causing financial hardship and extreme limitations placed on me because of the negative mark made by BSI.\n\n4. Currently I do not know my mortgage status and I have not received any closing docs to support the finalization of modification even though I have contacted BSI several times to resolve the issues identified in this document.\n\n5. I called in this morning only to be told they were too busy to take my call as I has been assigned to the \" Loss Prevention Department '' in error obviously.\n\n6. No timeline was given even though asked.\n\n7. Continuous negative credit reporting creating massive credit issues and financing dysfunction affecting my ability to proceed with loans or other obligations.\n\n8. FCRA Rights have been violated numerous times Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX Voice : ( XXXX ) XXXX email : XXXX secondary : XXXX XXXX","date_sent_to_company":"2025-07-08T19:07:25.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"99516","tags":"Servicemember","has_narrative":true,"complaint_id":"14519677","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BSI Financial Holdings, Inc.","date_received":"2025-07-08T18:20:48.000Z","state":"AK","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["BSI 's inability to preform on servicing the loan, finalizing the modification, <em>reporting</em> negative activity to all the <em>credit</em> <em>reporting</em> agencies, and sending me a loss mitigation application <em>after</em> finalizing the trial period as well as meeting all documentation and financial obligations and objectives to include <em>signing</em> and notarizing the new mortgage contract as well as ensuring payment rendered for all three trial payments ( XXXX, XXXX & XXXX ) held by myself were adhered to strictly."]},"sort":[7.7332106,"14519677"]},{"_index":"complaint-public-v1","_id":"9563009","_score":6.7874694,"_source":{"product":"Debt collection","complaint_what_happened":"CC : Federal Trade Commission Re : Complaint Regarding XXXX XXXX XXXX Related To Complaint XXXX XXXX XXXXXXXX Submitted On : XX/XX/XXXX Dear Consumer Financial Protection Bureau , I am writing to formally lodge a XXXX against XXXX XXXX regarding their handling of my mobile device payment plan and associated charges. \n\nAccount Overview : Service Initiation : XX/XX/XXXX Payment Plan : Monthly installment payments due on the XXXX, automatically charged to my XXXX XXXX card ending in XXXX Consistent Payment History : Payments made on time each month Incident Details : Installment Plan Changes without notice. Restricted from making payments and send to collections. \n\nBilling Discrepancy on XX/XX/XXXX : Charge : {$5.00} Subsequent Bill Notification : {$510.00} Communication : No prior notification regarding the change in billing amount Failed Charge : Due to changes in my XXXX XXXX credit availability ( related to Complaint ID XXXX ), the full amount failed to process Notification : Received a text message from XXXX XXXX about the failed transaction Account Dashboard and Payment Issues : XX/XX/XXXX : Logged in to find a past due balance of {$47.00} Payment Attempts : Blocked both online and via phone Continued Access : Able to log in and view the dashboard Representative Interaction : chatted with agent online and on phone and was not permitted to make any payments or resolve the stated past due amount. \nWas billed {$510.00} outside of normal payment schedule. This failed in relation to : COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX XXXX XXXX Representative Interaction : Date : XX/XX/XXXX Outcome : Representative processed payments of {$0.00} Statements : Display discrepancies ( XX/XX/XXXX, XX/XX/XXXX ) Credit Reporting : Date : XX/XX/XXXX Action : Account reported to a credit collection agency Notification : Received a letter on XX/XX/XXXX Complaint Summary : XXXX XXXX actions have caused significant financial and personal inconvenience : Violation of Payment Plan Terms : I was not allowed to make agreed installment payments. \n\nLack of Communication : No advance notice of billing changes or account status. \nService and Device Issues : Poor service at my residence, leading to service cancellation in XX/XX/XXXX. \nManaged device complications with XXXX XXXX and XXXX XXXX XXXX, resulting in device reformatting and replacement. \n\nAdditional Concerns : There appears to be an ongoing issue with multiple service providers sharing my personal data across various platforms without consent, affecting my digital experiences and business operations. \n\nRequest for Investigation : I urge the Consumer Financial Protection Bureau to investigate these practices by XXXX XXXX and other service providers, ensuring stricter regulations to protect consumers and business owners from such abusive practices. \n\nAccount Setup and Payment History : I signed up for XXXX XXXX service in XX/XX/XXXX, including a mobile device payment plan. My installment payments were due on the XXXX of each month and were automatically charged to my XXXX XXXX card ending in XXXX. \nI paid my bill consistently and on time each month. \n\nUnexpected Billing and Lack of Communication : On XX/XX/XXXX, XXXX charged me {$5.00} and then notified me via email that my new bill was {$510.00}. There was no prior communication regarding any changes to my mobile device payment plan. \n\nXXXX attempted to charge my XXXX XXXX card for the full amount, which failed due to changes in my available credit and the installment plan modification without notice. I only learned about the failed transaction through a text message from XXXX XXXX. \n\nAccount Management and Payment Issues : On XX/XX/XXXX, my XXXX dashboard showed a past due balance of {$47.00}. In the attached file, notice the sign in confirmation email on XX/XX/XXXX where I attempted to resolve the issue. I would learn I was blocked from paying this amount both online and over the phone, being informed by the agent that my account was now closed, despite still being able to log in and view my dashboard. I never closed my account. The termination of my installment plan was not requested by me as the account holder. \n\nMultiple attempts to pay the installment amount were blocked by either XXXX online and XXXX XXXX. \n\nCredit Reporting and Further Complications : On XX/XX/XXXX, I called in again to explain the situation a representative processed two {$0.00} payments, further complicating the issue. \n\nI was informed that my account had been reported to a credit collection agency on XX/XX/XXXX, and I received a notification letter on XX/XX/XXXX. \n\nDespite being told I could not make a payments with XXXX and needed to work through the credit collection agency, a representative processed two payments for {$0.00} on XX/XX/XXXX, including a past due amount. {$47.00} In the attached files you will see the payment amounts reflected on my dashboard and the confirmation emails and notice dates I would be charges. I am currently on limited income and these types of financial incidents are harmful. I urge better regulation and oversight. \n\nService Quality and Device Management Issues : It is important to note : due to poor service, I canceled my XXXX XXXX  service in XX/XX/XXXX and switched to XXXX XXXX XXXX In a separate issue to be reported to the FTC, the XXXX device was managed through XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX, where I would experience unauthorized updates and testing on my devices with XXXX without consent. The consistent interferences impacted with the device 's functionality. After multiple lockouts and forced reformats, I replaced the device to avoid further issues. \n\nConcerns about Data Privacy and Business Practices : My business partner and I have experienced similar incidents with several service providers, raising concerns about how XXXX and other companies manage personal data and accounts. \n\nXXXX breach of the contractual terms of my mobile device payment plan without notice has caused significant financial hardship and inconvenience. \nIn summary, XXXX mishandling of my account, failure to communicate changes, and refusal to accept payments have forced me into a difficult financial situation. \n\nIn summary, XXXX mishandling of my account, failure to communicate changes, and refusal to accept payments have forced me into a difficult financial situation. I request that the CFPB and FTC investigate XXXX 's practices and enforce stricter regulations to protect consumers and business owners from such abusive business practices. \n\nAttached to this complaint are relevant statements, email notifications, and screenshots from my XXXX dashboard, providing further details on the charges and issues described. \n\nAttached to this complaint are relevant statements, email notifications, and screenshots from my XXXX dashboard, providing further details on the charges and issues described. \n\nThank you for your attention to this matter. \n\nAttachments : XXXX Complaint.pdf Account Statements ( See Pages XXXX, XXXX, XXXX, XXXX, XXXX ) Email Notifications Chat Transcripts Live Chat Today Good afternoon, XXXX! \n\nI'm XXXX Assistant, here to help answer questions as quickly as possible. If we can't resolve your issue together, no worries! I'll connect you to a live agent. \n\nTo get started, here are some suggestions. Or, type what you need. \nAdditional suggestions and FAQs Learn about XXXX XXXXWhere 's my order? Billing and paymentData usage and optionsView my WiFi infoHelp with XXXX XXXX Privacy Center Billing and payment It looks like your XXXX account is no longer active. Do you want to chat with an agent for more help? \nChat with an agent Chat with an agent No problem. I'll put you in touch with a live agent now. \nLive chat started. \nXXXX joined the chat. \nHi XXXX, thank you for contacting XXXX. My name is XXXX. I see you may have questions about your bill. Is that correct? \nXXXXXXXX XXXX XXXXXXXX cancelled our account in XXXX and did not provide a notice. Then changes the terms of our payment plan and is demanding the full balance of {$510.00} for the device unless we upgrade to a subscription plan. How to I make an installment payment on the account? \nThank you so much for specifying your concern please be assured let me pull up your account details and help you in best possible way. \nThank You You're welcome. \nPlease allow me a couple of moments. Let me check that for you Thank You You're welcome. \nXXXXXXXX XXXX It says I have a past due balance of : This account has a past-due balance of {$47.00}, but will not let me make a payment of XXXX XXXXXXXX Alright Thank you for waiting and time No Problem As I can check on your account you have charged {$510.00} for device payment charges How do I make a payment? I can not pay the full amount right now, but can make a payment of {$150.00} towards the balance due. \nWhy I try the website is not accepting any payment. \nI can understand but please be assured and try to pay with less amount also you can make partial payment from this quick pay link : XXXX XXXX XXXX XXXX What phone number is listed file? \nI only have any account number This number is registerd ( XXXX ) XXXX It says it is not able to find an account with that number on file. \nLet me setup the call back with our advanced team for you so they can help you Thank You Please share your reliable number ( XXXX ) XXXX Thank you for sharing Can you also please forward a copy of this transcript to me at XXXX or the email on file for my account. Thank You Callback Scheduled Successfully The customer callback has been scheduled successfully for phone number XXXX XXXX pm I am sorry but I don't have access to share the transcripts End Live Chat From XXXXXXXX XXXX","date_sent_to_company":"2024-07-30T14:22:41.000Z","issue":"False statements or representation","sub_product":"Telecommunications debt","zip_code":"98033","tags":null,"has_narrative":true,"complaint_id":"9563009","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kriya Capital, LLC","date_received":"2024-07-19T20:58:14.000Z","state":"WA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["This failed in relation to : COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX XXXX XXXX Representative Interaction : Date : XX/XX/XXXX Outcome : Representative processed payments of {$0.00} Statements : <em>Display</em> discrepancies ( XX/XX/XXXX, XX/XX/XXXX ) <em>Credit</em> <em>Reporting</em> : Date : XX/XX/XXXX Action : Account <em>reported</em> to a <em>credit</em> collection agency Notification : Received a letter on XX/XX/XXXX Complaint Summary : XXXX XXXX actions have caused significant financial and personal inconvenience : Violation of Payment"]},"sort":[6.7874694,"9563009"]},{"_index":"complaint-public-v1","_id":"10698703","_score":6.380403,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX, FL XXXX XXXX XXXX Dear Sir, Madam, or to whom elsewise it may concern I wish to formally contest any unsubstantiated or inaccurately documented information in my credit report, pursuant to the FCRA and the recognized XXXX XXXX data field reporting standards. The allegations of delinquency and derogatoriness require factual verification as mandated by federal and state law, preventing any reporting that may contravene legal requirements. I kindly urge you to ensure the precision and legality of all claims in accordance with the XXXX XXXX reporting standard. I also request the provision of physical, verifiable evidence supporting the account 's existence and its legitimate use. If such evidence can not be provided, I request its removal from the report, along with authorization to receive physical documentation of your actions and my updated credit report. \nListed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX Employer - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, FL XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following personal information is incorrect- The personal data reporting is inaccurate. \nI kindly request the removal of the displayed inaccurate Date of Birth from my records. The reported and necessary, accurate, and complete Date of Birth is XXXX. I must assert that I do not grant authorization for the retention or reporting of any personal identifier information that has not been proven to be true, correct, valid, and relevant, and that does not precisely align with the FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS I have submitted. Thank you for your attention to this matter. \nXXXX - XXXX The following personal information is incorrect - The personal data reporting is inaccurate. \nI am writing to bring to your attention the inaccuracy of the information currently held in your records for the account under the name of XXXX and the associated XXXX. As a valued customer, I kindly request that you take prompt action to update your records with correct information, which is essential to meet the minimum standards for accuracy.\n\nI would like to emphasize that failure to correct the inaccurate data may lead to potential legal implications, and therefore, it is imperative to take appropriate measures to rectify the error. Inaccurate information not only undermines the integrity of your records but also affects my credit report, and I respectfully demand that it be removed without any delay. \nXXXX - XXXX The following personal information is incorrect - The personal data reporting is inaccurate. \nI humbly request that you kindly update your records with regard to XXXX and XXXX. I have noticed that the information contained therein is currently inaccurate and does not meet the minimum standards for accuracy. As you XXXX be aware, inaccurate data can have serious implications, and failure to correct it XXXX result in legal action. \nI strongly believe that inaccurate information has no place in your records or on my credit report, and I earnestly demand that it be removed without delay. Your prompt attention to this matter would be greatly appreciated. \nIncorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX The following personal information is incorrect- The personal data reporting is inaccurate. \nI am writing to bring to your attention an issue related to my account. I would like to request that you kindly update your records to reflect that my sole address is XXXX XXXX XXXX, XXXX, FL, XXXX. It is imperative that my account information is kept up-to-date and accurate, and I trust that you will take the necessary measures to ensure this. I would greatly appreciate your prompt attention to this matter, and I thank you in advance for your cooperation. Please do not hesitate to contact me if you require any further information. \nIncorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, FL XXXX The following personal information is incorrect- The personal data reporting is inaccurate. \nIncorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, FL XXXX I would like to bring to your attention that the address associated with my profile is no longer valid and has been deemed undeliverable by the United States Postal Service. In order to prevent any potential instances of identity fraud, I kindly request that you remove this address from my account. It is imperative that this action is taken as soon as possible, and I trust that you understand the gravity of this situation. Moreover, I would like to inform you that I have never resided at this address, and therefore, the personal information linked to it is inaccurate and incomplete. I urge you to please delete this address from my credit file to ensure the correctness and integrity of my credit report. \nXXXX XXXX XXXX  XXXX This account is inaccuarately reporting late payments on multiple bureaus. The discrepancies in the payment status across Equifax, XXXX, and XXXX violate 15 USC 1681e ( b ), which mandates the bureaus to maintain maximum possible accuracy of consumer reports. The account also displays inconsistency in reporting activity dates. - Please update this late payment to \" Paid as agreed, never late, '' in compliance with 15 USC 1681 i ( 5 ). This account is reporting inconsistencies and must be corrected to reflect accuracy across all three bureaus, or deleted for non compliance. If the reporting remains inaccurate, the account should be removed immediately to ensure compliance with 15 USC 1681e ( b ).\n\nPlease accept my polite request to address the following matter. It has come to my attention that the content mentioned above has not been certified to conform to any reporting standards. Moreover, the data provided is neither verified nor complete, and is also outdated. To comply with reporting obligations and consumer legislation, documentation confirming compliance is required. Unfortunately, the information provided so far is insufficient. Therefore, I humbly request you to kindly remove any inaccurate, incomplete, or unsupported material. \nAdditionally, kindly review the image above for XXXX XXXX - XXXX for areas of concern. \nXXXX XXXX - XXXX This account is inaccuarately reporting late payments on multiple bureaus. The discrepancies in the payment status across Equifax, XXXX, and XXXX violate 15 USC 1681e ( b ), which mandates the bureaus to maintain maximum possible accuracy of consumer reports. The account also displays inconsistency in reporting activity dates. - Please update this late payment to \" Paid as agreed, never late, '' in compliance with 15 USC 1681 i ( 5 ). This account is reporting inconsistencies and must be corrected to reflect accuracy across all three bureaus, or deleted for non compliance. If the reporting remains inaccurate, the account should be removed immediately to ensure compliance with 15 USC 1681e ( b ).\n\nI would like to express my dissatisfaction regarding the compliance reporting standards and relevant consumer laws documentation, or lack thereof, provided to me in relation to my account with XXXX CU XXXX XXXX. The absence of such documentation represents a significant inadequacy that may have implications for both of us.\n\nI kindly request that you promptly provide me with the documented evidence of compliance reporting standards and relevant consumer laws, or else remove the current report that is deemed flawed and incorrect. Failure to do so may result in legal action for non-compliance with the legal requirements governing these matters.\n\nIt is of utmost importance that we are aware of the relevant documentation required to ensure compliance and avoid potential issues in the future. Any lack of accurate information may lead to preventable issues down the road. Therefore, I urge you to address this matter with the utmost urgency. \nXXXX XXXX  - XXXX The collection account shows inconsistencies in bureaus and lacks validation under 15 USC 1692g.\n\nAdditionally, the account charge-off status does not align with accurate reporting procedures, violating 15 USC 1681e ( b ), which mandates maximum possible accuracy in credit reporting. - Please validate debt under 1692g. If accurate information and proper validation are not provided, remove this account immediately due to noncompliance with 15 USC 1681 e ( b ). Inaccurate reporting violates my rights as a consumer, and immediate deletion is required from all bureaus.\n\nI am deeply disappointed in your failure to provide documented proof of compliance with reporting standards and consumer laws. This deficiency is significant, and I demand the immediate deletion of this flawed and inaccurate report. Failure to comply may result in legal action for non-compliance with the relevant legal requirements. It is crucial that we possess accurate information from documentaries to avoid being unprepared for potential future issues that could have been prevented with more care for accuracy over convenience. \nCREDIT COLL XXXX XXXX XXXX XXXX ( b ) collections must be 100 % accurate across all three bureaus. - I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT XXXX and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible. \nI am writing to bring to your attention the following details pertaining to XXXX XXXX - XXXX. It is important to note that the aforementioned data has not undergone certification to comply with any reporting standards. Consequently, we can not assure its accuracy, currency, or comprehensiveness. Moreover, it is pertinent to highlight that this information may be incomplete, outdated, or lacking support. Therefore, I kindly request the removal of any erroneous or unsupported content from this page. \nXXXX - XXXX This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit bureaus, which violates 15 USC 1681e ( b ) requiring maximum possible accuracy in consumer reports. The \" Late Pay '' and \" Charge Off '' remarks are inconsistent, and the balance information lacks compliance with the standard reporting accuracy. - Please remove any inaccurate, incomplete, and/or unverifiable information from my consumer report.\n\nI express my profound disappointment regarding your failure to provide documented proof of compliance with reporting standards and consumer laws. This deficiency is significant, and I insist on the immediate deletion of this flawed report. Failure to comply will result in legal action for non-compliance with the relevant legal requirements. It is of utmost importance that we have a comprehensive understanding of the content displayed in documentaries, as it enables us to anticipate and address potential issues that may arise in the future. These issues, which could have been prevented had there been a commitment to accuracy over mere convenience, should not catch us off guard. \nUnknown - XXXX 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. - I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible. \nI would like to bring to your attention that the account identified as Unknown - XXXX has been reported as an unconfirmed alleged XXXX. It appears that you have provided a section of a credit report that pertains to this account number. According to the report, the account is either not being reported or is not in compliance with the established standards for credit reporting agencies. This situation can potentially raise concerns about the accuracy and integrity of the data that is being reported. It is worth noting that the report underscores the importance of strictly adhering to the established standards for reporting data fields, including the account number. \nXXXX  - XXXX 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus - I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible. \nWe would like to bring to your attention that there appears to be an inconsistency with regards to the XXXX  associated with the displayed XXXX across all three credit reporting agencies. It is imperative to note that any inconsistency, incompleteness, inaccuracy or omission in the reported item is a deviation from the mandatory industry standards for reporting compliance, as per the XXXX XXXX Data-filled Field Formatted reporting compliance standards. Any deviation from these standards could potentially jeopardize the integrity of the data ( as stated in CDIA CRRG 3-4 ), and therefore, the accuracy of the reported item is subject to lawful scrutiny until all aspects of the claim are factually confirmed to be true, correct, complete, timely, physically verifiable, and otherwise undeniably valid, particularly if not compliant with the above-mentioned XXXX XXXX formatted industry requirements. We respectfully request your attention to the following suspect reported data fields alleged for this now contested reported item of injury.\n\nUnknown - XXXX I hereby bring to your attention the details pertaining to the Unknown associated with XXXX. It is important to acknowledge that the data provided above has not undergone certification to meet any reporting standards. Furthermore, it is imperative to highlight that this information may suffer from incompleteness, outdatedness, or lack of support. In light of this, I respectfully request the removal of any erroneous or unsupported material from the aforementioned page. \nXXXX XXXX XXXX 1681q. Obtaining information under false pretense. - I request validation under 15 U.S. Code S 1692g Validation of debts. If information is not Edit provided or the false reporting isn? t removed ; as in Wenger v.\n\nTrans Union Corp., No. 95-6445 C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.\n\nI am writing to bring to your attention the current discrepancies present in the XXXX XXXX account, as indicated by the account number XXXX, across the three credit reporting agencies. \nIt is important to note that any inconsistency, incompleteness, inaccuracy, or omission of reported information can be considered a discrepancy from the industry standard of reporting compliance, which follows the XXXX XXXX Data-filled Field Formatted reporting requirements. Deviating from these standards can jeopardize the integrity of the data, as outlined in the XXXX XXXX XXXX. \nXXXX XXXX XXXX - XXXX 1681q. Obtaining information under false pretense. - I request validation under 15 U.S. Code S 1692g - Validation of debts. If information is not provided or the false reporting isn't removed ; as in Wenger v. Trans Union Corp., No. 95-6445 C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. I request validation under 15 U.S. Code S 1692g - Validation of debts. If information is not Edit provided or the false reporting isn? t removed ; as in Wenger v. Trans Union Corp., No. 95-6445 C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.\n\nI would like to bring to your attention the matter concerning the alleged XXXX status of XXXX XXXX XXXX  XXXX. It has come to my attention that you have provided a section of a credit report that specifically pertains to the mentioned account number. The report suggests that the account number is either not being reported or is not in compliance with the established standards for credit reporting agencies. This situation can potentially raise concerns about the accuracy and integrity of the data being reported. I must emphasize that there can be no deviation from the established standards for reporting data fields, including the account number, as indicated in the report. \nINQUIRY PROFESSION XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. \nINQUIRY PROFESSION - XXXX I have enumerated my concerns regarding your reporting in this document, which is incomplete and does not meet my standards. As per the law, you and the data furnishers are required to certify all aspects of FCRA and XXXX XXXX compliance. This certification must be truthful, accurate, complete, and timely, so as not to infringe on my consumer and civil rights. \nINQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. \nI hereby wish to bring to your attention an issue regarding my credit report that requires your assistance. Recently, I contacted INQUIRY ULTIMIMAGE - XXXX, the entity that placed an inquiry on my credit profile, and requested them to remove their credit inquiry from my credit report, in addition to requesting an immediate cessation of their purported illegal activities. Unfortunately, there has been no response from their office despite the letter being sent over XXXX business days ago. \nAs such, I humbly request your intervention in resolving this matter in accordance with the Fair Credit Reporting Act. I request that you promptly initiate an investigation into the inquiry placed on my credit report to determine its authorizing party. Upon completion of the investigation, I kindly request that you remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the address provided above if my allegation is validated. If the inquiry is deemed valid, I respectfully request that you furnish me with a full description of the procedures used in your investigation within XXXX business days of the investigation 's completion. \nINQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. \nI trust you are well. I have recently reviewed my credit report associated with INQUIRY - XXXX XXXX and observed an unauthorized inquiry. As per the Fair Credit Reporting Act, it is imperative to ensure that no access to my information occurs without proper consent. Kindly provide me with verifiable documentation regarding the rationale behind this inquiry. Your prompt assistance in resolving this matter is highly appreciated, as it is essential to maintain the accuracy and credibility of my credit report. \nINQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. \nINQUIRY - XXXX XXXX - XXXX XXXX extend my greetings to you and sincerely hope this correspondence finds you well. I would like to raise a matter of concern regarding the unfamiliarity I have with the companies mentioned in my credit report. It has come to my attention that an inquiry has been conducted on my file without my prior knowledge or consent, which leads me to question the legitimacy of this action. I wish to emphasize that any inquiry should only transpire after obtaining my explicit approval. In accordance with the provisions set forth by the Fair Credit Reporting Act, it is imperative that all users possess a valid and permissible purpose to access an individual 's credit report. Thus, I kindly request the removal of this inquiry from my credit file, unless you are able to furnish me with documented evidence substantiating a legitimate and permissible purpose for this inquiry. I genuinely appreciate your utmost consideration and diligence in addressing this matter in a timely manner, as it holds significant importance to me. \nINQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. \nINQUIRY - XXXX - XXXX Kindly be advised that I have no recollection of granting authorization for the inquiry made into my credit report. As per the Fair Credit Reporting Act, it is mandated that prior consent of the consumer be obtained before credit access is permitted for extending credit. \nTo ensure my rights are safeguarded as well as yours, I am sending this formal request by mail. I kindly request that you provide me with a copy of the credit application at your earliest convenience or otherwise submit a request to the relevant credit bureaus to rectify any errors found. \nINQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. \nI am writing to bring to your attention a matter concerning my credit report associated with the account under the name of INQUIRY and with the account number XXXX - XXXX. Regrettably, I find myself unfamiliar with the companies mentioned in the aforementioned report. It appears that an inquiry has been made on my file without my prior knowledge or authorization. I must emphasize that such an occurrence should not be feasible unless it has been duly approved by myself in advance. As per the stipulations of the Fair Credit Reporting Act, it is imperative that all parties seeking access to a credit report possess a permissible purpose under the provisions of the act. Hence, I kindly request the removal of this inquiry from my credit file. Alternatively, I would greatly appreciate receiving documentation that substantiates your permissible purpose for conducting this inquiry. \nINQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. \nI trust this message finds you well. I am writing to address a matter concerning my account with INQUIRY and its corresponding XXXX  - XXXX. During a recent review of my credit report, I have come across an unauthorized inquiry. Under the provisions of the Fair Credit Reporting Act, it is imperative to ensure that my personal information remains protected, and access is granted solely with proper authorization. I kindly request your assistance in providing documented justification for the aforementioned inquiry. Your prompt attention to this concern is highly appreciated, and I believe that together, we can ensure the accuracy and integrity of my credit report. \nINQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. \nI hereby bring to your attention the presence of certain unfamiliar entities listed on my credit report under the name INQUIRY and associated with the account number XXXX  - XXXX. It has come to my attention that these companies have made inquiries on my credit file, without my prior knowledge or consent. I would like to emphasize that such an action should not be feasible unless it is duly authorized by me. As per the Fair Credit Reporting Act, it is imperative that all users possess a permissible purpose under the act in order to access a credit report. Therefore, I kindly request the removal of this inquiry from my credit file, unless you can furnish me with proper documentation that substantiates your legitimate purpose for this inquiry. \nINQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. \nRegarding the information provided under the INQUIRY - XXXX - XXXX, I would like to bring to your attention that it has not been verified to meet the necessary reporting standards. Its accuracy, completeness, and currency have not been established, and to ensure compliance with consumer protection laws, documentation proving compliance is required. The information supplied is inadequate, and I am requesting the immediate deletion of any incorrect, incomplete, or unsupported data. \nI would greatly appreciate it if you could provide me with any further information or documentation necessary to address these concerns and ensure that the information provided is compliant with the relevant standards. \nXXXX XXXX XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. \nI hope this communication finds you well. I am writing to bring to your attention an issue I encountered while reviewing my credit report today. It appears there is an alleged hard inquiry associated with my account INQUIRY - XXXX - XXXX. However, I have no recollection of providing authorization for this inquiry, and thus, I would appreciate receiving documented evidence of the credit application, including a proof of signature, to confirm whether I indeed applied for credit with the mentioned company. If such documentation can not be provided, I kindly request the immediate removal of the alleged inquiries from my credit report. \nINQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. \nI have recently obtained a copy of my credit report and have observed the presence of credit inquiries made by entities for which I do not recall granting authorization. It is my understanding that the placement of an inquiry on my credit file necessitates explicit consent, thus I kindly request the prompt removal of this unauthorized inquiry from my credit file. Additionally, I would greatly appreciate receiving formal documentation confirming that a thorough investigation has been conducted and that the unauthorized inquiries have indeed been expunged. Thank you for your attention to this matter. \nINQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. \nI have recently obtained a copy of my credit report and upon careful examination, I have discovered the presence of credit inquiries originating from companies that I have no recollection of granting authorization to. It is my understanding that it is impermissible to include an inquiry on my credit file without obtaining my explicit consent. Therefore, I respectfully request the prompt removal of this inquiry from my credit file. Additionally, I kindly request that you furnish me with substantiating documentation to confirm that a thorough investigation has been conducted and the unauthorized inquiries have been successfully eradicated. Your immediate attention to this matter is greatly appreciated. \nINQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. \nI have recently obtained a copy of my credit report and upon review, I have discovered the presence of credit inquiries made by companies for which I have no recollection of providing authorization. It is my understanding that placing an inquiry on my credit file necessitates explicit consent from my end. Therefore, I kindly request the prompt removal of this unauthorized inquiry from my credit file. Additionally, I would greatly appreciate receiving documented evidence demonstrating that a thorough investigation has been conducted and the aforementioned unauthorized inquiries have been duly eliminated. Your cooperation in addressing this matter would be highly valued. \nINQUIRY - XXXX  XXXX XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. \nINQUIRY - XXXX  XXXX XXXX - XXXX As per the requirements of the Fair Credit Reporting Act, it is mandatory for the creditor to verify the written authorization of the consumer that grants permission to review their credit. In case you possess a copy of the credit application, duly authorized and signed by me, authorizing the disclosure of my credit files, I shall consider the inquiry as legitimate. However, if such a signed authorization is not present, I request you to remove the inquiry from the XXXX primary credit bureaus. \nThe presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Considering the urgency of the matter, I kindly request you to respond to this request within XXXX ( XXXX ) days. Your prompt action in this regard will be highly appreciated. \nINQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. \nINQUIRY XXXX  - XXXX It has come to my attention that an inquiry has been made on my credit file without my prior knowledge or approval. As per the standard practice, an inquiry should only be made with the applicant 's consent. Therefore, I kindly request that the inquiry be removed from my credit file, or alternatively, that you provide me with sufficient documentation indicating that a permissible purpose existed for making the inquiry. \nXXXX XXXX XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. \nI have attempted to communicate with INQUIRY XXXX - XXXX regarding the credit inquiry they placed on my credit profile. Despite my request for the removal of the inquiry and the cessation of their unlawful activities, they have failed to respond. It has been over XXXX business days since I sent the letter, and I have not received any communication from their office. \nAs a result, I am respectfully requesting your assistance in resolving this matter. Pursuant to the provisions of the Fair Credit Reporting Act, I kindly request that you conduct an investigation into this inquiry on my credit report to determine the identity of the authorizing party. If, following the completion of your investigation, you find merit in my assertion, I request that you promptly remove the unauthorized inquiry. Please see attachment","date_sent_to_company":"2024-11-06T03:10:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"323XX","tags":null,"has_narrative":true,"complaint_id":"10698703","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-06T02:50:22.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Pursuant to the provisions of the Fair <em>Credit</em> <em>Reporting</em> Act, I kindly request that you conduct an investigation into this inquiry on my <em>credit</em> <em>report</em> to determine the identity of the authorizing party. If, following the completion of your investigation, you find merit in my assertion, I request that you promptly remove the unauthorized inquiry. <em>Please</em> see <em>attachment</em>"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[6.380403,"10698703"]},{"_index":"complaint-public-v1","_id":"16247873","_score":6.1704893,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"b'Victim: XXXX XXXXAddress of job: XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXXPhone: XXXX  Email: XXXXXXXXTotal paid: $XXXX  XXXX XXXX XXXX XXXX check + $XXXX  XXXX  Chase bankXXXX XXXX XXXX Permit: XXXX for XXXX XXXX XXXX XXXX  in XXXX XXXX for new driveway extended and adding half circle driveway with curve blending into new patio. All plain concrete. XXXX PSI, 4 and 6approach, fiber mesh, expansion jointsXXXXSuspectsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (owner, collected deposit of $XXXX  on XXXX XXXX XXXX  listed as applicant on my XXXX XXXX XXXX permit paperwork XXXXXXXX XXXX XXXX XXXX XXXX (qualifier of record on my XXXX permit) XXXXXXXXTimeline of EventsXXXX contacted Michael De La Rosa of Decorative Concrete Driveways & Patios LLC at XXXX XXXXHe came to my property the same day, quoted $XXXX, lowered to $XXXX, then offered $XXXX. I didnt see at the time this is a tactic to offer too good of a deal to get me to sign a contract now.\\nHe wrote a $XXXX  contract requiring: 30% deposit ($3,000), 20% after permit approval/demo, 50% at concrete pour. (Photo attached)\\nAt his request, he preferred XXXX  only, I was only able to send $XXXX  via XXXX  to XXXX and $XXXX  XXXX XXXX XXXX check XXXX  payable to XXXX XXXX XXXX The check was cashed the same day. (Photo attached)XXXXXXXX assistant, XXXX XXXX, came to my house for me to sign XXXX XXXX XXXX permit paperworkXXXX  asked XXXX  for a survey drawing. The drawing he sent omitted sections we had discussed. I sent him a marked photo showing the missing areas, and he confirmed in text they would be includedXXXX checked the XXXX XXXX XXXX  portal and saw a permit application submitted for my address.\\nThat evening, XXXX  called and said he wanted to start and finish the entire project the next day XXXXXXXX a text message, he stated all work would be completed in one day, including demo, framing, and concrete pour.\\nI responded, lets wait for permit approval. He did not reply Until the bank notified him the check was filed as fraud and they clawed back the $XXXX  check only. (Exhibit E  TextsXXXX paid $XXXX  permit fee directly to the XXXX XXXX XXXX.\\nThe City denied the permit for missing zoning/survey affidavit and property owner section.\\nAt XXXX  request, I signed a survey affidavit the same day. No corrected documents were filed afterward and had no updates since. Additionally I asked her to confirm the survey drawing was updated multiple times and did not hear back regarding thisXXXX texted XXXX  for updates. On XXXX she said she was meeting with XXXX  and would update me. No updates followed.XXXX XXXX XXXX confirmed nothing new has been added to my permit. Which means XXXX  did not upload the survey affidavit she asked me to sign. I also discovered there was another document needed signed per the denial which she did not have me complete. I started researching into XXXX  more and his past companies.\\nIt should be noted XXXX, and his current XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and even past dissolved XXXX XXXX XXXX XXXX  all have a XXXX  rating of F with multiple negative reviews and complaints showing a pattern of collecting deposits/not completing work/or disappearing. All this information was unknown at the time I gave a deposit. There were no good reviews except on his social media which he posted of a sheet of paper (my belief is these could have been created by XXXX, printed and posted).\\nAdditionally on my Permit the contractor name is XXXX XXXX XXXX XXXX XXXX. Who Also has XXXX  rating of F multiple complaints. Michael lied about being licensed and insured and this  XXXX  name or company was never informed to me and I paid XXXX  and XXXX XXXX XXXX XXXX XXXX XXXXSo at this time, I have discovered multiple negative reviews specifically naming XXXX  and his company taking deposits and not completing jobs. I also discovered dissolved XXXX  in his name with same issues and even the contractor on my permit (XXXX XXXX XXXX XXXX XXXXFurther researching, I learned that contractors may use stall tactics making it seem as if they are waiting on permit, when really they arent submitting corrections, waiting on the Bank deadlines to pass before completely disappearing. So then I would miss deadlines for calling check in as fraud making it harder to get my money back.XXXXHaving seen no corrections filed since XXXX, and with deposit deadlines approaching, To protect myself, I called XXXX XXXX XXXX  explained what is happening and they assisted with reporting the $XXXX  check as fraud. They placed a hold on the funds (heard this only from XXXX) since XXXX XXXX XXXX can not tell me whats the status of another persons account. But it appears the money is on hold until they finish their investigation.XXXXXXXXConfirmed with city building dept and they stated still no resubmissions since the denial of XXXX also Text both XXXX and XXXX  for updates to see if I get a response and if so I could ask why nothing has been submitted to permit- couple hours go by nothing. Last contact with XXXX at this point was him not responding to me when i saidlets wait for permit to be approved. This is a clear violation he wanted to start job in one day without permitXXXX  called me sounding angry about the bank action. He then texted: My bank just called you reported the check as fraudulent. We are ending services today fees may apply. \\nI requested a refund. He refused, including for the XXXX XXXX. I respond in text:- Based on everything Id like full refund. You wanted to start and finish work on the day permit was submitted. You said the bank took out XXXX  from you to return to me, I still paid the additional XXXX XXXX payment which needs to be refunded. No work has been started. I spoke with XXXX XXXX XXXX building. There hasnt been any revisions uploaded made to permit after signing new survey document. It is also still missing additional documents. Reviews based on your name and businesses. Have numerous complaints of taking deposits and not doing work. Stalling and therefore making it harder for banks to retrieve money XXXX, The fact is I paid you XXXX XXXX  check + XXXX XXXX) no work was done, and the permit was denied with no resubmission. I need a full refund. If I dont receive it within 5 business days, Ill move forward with small claims, Attorney General and DBPR complaints, and other remedies. I waited days after your assistant said shed give me an update. You also didnt acknowledge after i said lets wait for permit , you clearly said in text you wanted to start work and complete in 1 day before permit was approved all based on your assistant said go ahead..which is a violation. The city also confirmed no revised paperwork has been submitted since the permit denial on XXXX Given the lack of communication and progress, I had no choice but to contact the bank to protect myself due to bank deadlines. I still expect a full refund of $XXXX. Just because the bank took $XXXX  out of your account doesnt mean I automatically get that til the investigation is complete. I also XXXX you $XXXX  which I need back. Im familiar with local and state laws and no work has been started. XXXXXXXX  responded via text:- Goodmorning $XXXX  Money was taken out of my account Ive had good and bad clients. I hire a permit assistant to deal with the permit and its not free. I can continue to work on the permit until its approved and we can touch base then. If you want the addresses I can send them over so you can see completed projects I dont take peoples money just to take it. I work very hard hands on. The whole process is work including the permit, all the run around\\nI respond via text:- Good morning, thank you for the response. Ive been scammed before by contractors who stalled until it was too late for me to get my money back, so I cannot take that risk again. If you are serious about completing this job, the only way forward is to start fresh. That means refunding my full $XXXX  deposit now ($XXXXXXXX XXXX XXXX XXXX check). The simplest way is to XXXX  me the $XXXX  directly. Once thats complete, I will notify Bank that the matter is resolved. After the permit is approved and the job is fully completed (with no issues or mid-project demands for more money), I will pay the full balance  and to show good faith, Im even willing to increase the final payment by $XXXX  (so instead of $XXXX, it would be $XXXX). I understand most contractors use deposits, but given the history of issues and complaints, the only way I can move forward is with full payment at completion. If the only way you will do the job is with a deposit, then it must be paid by credit card so both sides are protected. If these arrangements do not work for you, then I simply need my $XXXX  refunded by WednesdayXXXX XXXX XXXX XXXX XXXX  responded:- The $XXXX has been depleted already from my account and its in the air because Im guessing you dont have it either so now we gotta go through a 90 day process from the bank with your permit might be approved way before then and this money still gonna be on hold so unfortunately there is nothing to return. It has already been depleted out of my account and Im still working on our side trying to get your permit approved so how is that fair? and I am not making this up. I have the proof also there was Notary that was paid for to submit your permit. XXXX  doesnt work for free either. She gets paid as well to answer your phone calls and submit the permits so unfortunately, as of right now the money is in the air and Im waiting for your permit to get approved to get demolition started and concrete. Pour as agreed upon the only problem now is the $XXXX  in the air and your permit will be approved as soon as next week or this week. I just gotta make the revisions\\XXXX  is only concerned about the $XXXX  depleted from his account. He does not acknowledge there is still a XXXX XXXX  payment. He claims to still be working on my permit but he just needs to make revisions which he has not done since we talked about the missing sections on the survey drawing on XXXX It is now XXXX  He also doesnt acknowledge starting fresh, and either yes or no on credit card or another secure form of payment. He mentioned twice now that he hired Dori as Permit assistant (later in this report, according to Dori who contradicts herself, she claims to been hired but then also not received any of my $XXXX). \\nI respond via text:- Florida Statute 489.126 requires that a contractor who takes a deposit but does not perform actual work must return the deposit. Work means tangible labor or materials on the job, not administrative tasks like paperwork or phone calls. Since no construction has begun and the City has not even received the updated survey drawing I requested, you are legally required to fully refund my $XXXX  deposit. Please XXXX $XXXX  immediately to my cell and I will notify Bank to release the hold on the check. My deadline remains XXXX XXXX XXXX  The City denied the permit on XXXX  for a missing affidavit and another document. I signed the affidavit that same afternoon, yet nothing has been resubmitted since. The updated survey drawing I texted you about on XXXX, and which you acknowledged on XXXX  with yes, has also never been filed with the City. In your own words you said you just gotta make the revisions. If thats the case, why has nothing been resubmitted since XXXX? As of today, the City still has not received the affidavit I signed on XXXX  and has never seen the updated survey drawing you agreed to include prior to the initial permit application. \\n\\nHe did not respond furtherXXXX XXXX XXXXXXXX went in person to the XXXX XXXX XXXX  Building Dept.\\nStaff confirmed my file contained a XXXX XXXX XXXX  survey, not my property survey. I was told no valid resubmissions had been filed since the XXXX  denial.\\nI signed a form blocking XXXX from further changes. (Did not work see below)\\nI requested and obtained a printout showing the wrong survey attached to my permit. (Photos attachedXXXXOn Friday XXXX I send identical texts to both XXXX  and XXXXFriday XXXX  I textXXXX XXXX XXXX XXXX   this is XXXX  XXXX XXXXeviewed the permit paperwork you submitted to the XXXX XXXX XXXX XXXX  and the survey on file is for a different property in XXXX XXXX  not my address. That means no valid permit was ever submitted for my driveway and the documents you provided are demonstrably incorrect. I paid $XXXX  ($XXXX  check and $XXXX  XXXX  payment) on XXXX for driveway work to be performed under a proper permit. To date no work has been done, no correct paperwork has been filed, and the City record proves the submission was for the wrong property from XXXX. This is evidence of misrepresentation and contractor Fraud and I will be documenting this as a Police report to be forwarded to economic crime investigators which will involve review by the State Attorneys office and comparison with other similar cases I have already located. It should be noted I have located other cases in different counties with similar fraud. Showing all your names and incomplete permit paperwork. You cannot argue that work has been done regarding the permit since it was all wrong and incorrect. I have text proof you both XXXX  and XXXX  telling me you submitted My house survey when clearly you did not. And even the survey affidavit i completed on XXXX and still that wasnt even submitted.\\n\\nUnder Florida Statute 489.126 a contractor who takes a deposit but does not perform actual work must return the deposit. I demand a full refund of $XXXX  by XXXX  to XXXX to my account no later than XXXX XXXX XXXXXXXX  I do not receive the full refund by that date I will, without further notice, pursue all lawful remedies and complaints in the state of FL. This is your final opportunity to resolve this directly and avoid further legal action. I expect written confirmation of the refund and the XXXX of $XXXX  now and/or before the deadlineXXXX XXXX XXXX\\nAfter I texted XXXX  and XXXX  demanding a refund, a new survey was uploaded to my permit (Cannot confirm which survey since I wasnt there in person to get copy I only called and they told me at XXXX XXXX uploaded).\\XXXX texted (havent heard from him since XXXX XXXXnd it is now XXXX Im assuming because I included XXXX  and XXXX  in text): Youre gonna wait past XXXX  first so do what you need to do now! and again denied refund. He added peace sign XXXX\\nI responded to XXXX:- How do you think it is acceptable to keep any of the $XXXX  when no work has been performed and no valid permit was ever filed?As Ive already said: if you XXXX  the full $XXXX, I will notify XXXX XXXX XXXX that payment has been received and this matter will be considered resolved. That is the only way to avoid legal action.\\XXXX responded: AS I SAID THE FUNDS HAVE ALREADY BEEN DEPLETED FROM MY ACCOUNT! Bank has your money. If the wrong survey was submitted must been a mistake from all the attachments Im sure XXXX  has from all the customers we deal with. Not all the paperwork was wrong\\nI responded to XXXX XXXX even if you want to argue the $XXXX  check is tied up in the bank dispute, the $XXXX  XXXX  is not. Under Florida Statute 489.126, you must refund the full deposit when no work has been performed.Send $XXXX  by XXXX  now to (XXXX XXXX  If you do not, I will include this refusal in my DBPR complaint, police report, and civil claim. The deadline for the full $XXXX  remains XXXX XXXX XXXX has not respondedXXXX responses:\\n\\nThe next few text threads is with XXXX  from the same text I sent on XXXX addressing all three subjects.\\XXXX  tried calling me however I asked if she meant to call in text and I stated text works for now, Im busyXXXX also texted XXXX : can you explain to me what happened? On XXXX  you didnt reply after I reached out, and Ive since found out the survey filed was for a completely different property. I need to understand why nothing correct was submitted. (Last text from her was XXXX saying will get update)XXXXXXXX  responded: Im not sure what you mean by contractor fraud. There may have been a simple mistake with uploading the wrong document, but thats unrelated to the timing of the permit submittal. I submitted all required applications when they were due.Im still waiting on XXXX  to provide specific information - Ive submitted the application on our behalf and can only move forward once he communicates back. Could you please clarify what youre referring to with contractor fraud and the XXXX deposit? From my side, theres no fraudjust a wrong document upload that I already corrected.Thank you,XXXX\\nShe acknowledged a mistake was made uploading document. She states waiting on XXXX  for info (from XXXX Even though I have asked multiple times and she was meeting with him on XXXX. She appears to be trying to distance herself once I mentioned legal action. But it is clear to me she was not going to respond to my update texts from XXXX (same date XXXX  found out I reported the check).XXXX  responded: XXXX XXXX XXXXXXXX XXXX XXXX XXXX confirmed to me in person that the only survey filed was for a different property in XXXX  from XXXX. That is not a simple mistake, it means no valid permit for my property was ever in review. I paid $XXXX  for work on my address under a valid permit. That has not happened. Even the affidavit I signed on XXXX  was never submitted. This is why it rises to misrepresentation and fraud under Florida law. You told me via text that my survey was submitted when clearly it was not, so you are part of the misrepresentation whether or not XXXX  gave you the documents. You both have until XXXX XXXX XXXX, to return the $XXXX  in full via XXXX. Permit paperwork is not work  Florida Statute 489.126 requires the deposit to be refunded. If the refund is not received, I will move forward with my police report, DBPR complaint, and civil claim against everyone involvedXXXX responded: XXXX XXXX XXXX XXXX does not have any XXXX XXXX survey on record for your application. What happened was a simple oversight on the detailed plan naming  I label all my submittals Detail Plan, and one version was misplaced. That mistake has been corrected, and the proper applications are already filed with the XXXX XXXX XXXX XXXX Original submittal XXXX XXXX to cancel, I can file the withdrawal with the city right awayXXXXShe states the XXXX XXXX XXXX does not have a XXXX XXXX survey even though I have printed copies of what she submitted under my permit. She then contradicts herself saying simple oversight labeling all her submittals detail plan. She says it has been corrected. Also it is highly unlikely she labels all submittals detail plan only because any computer would display a pop up saying file already named detail plan and therefore if its in the same folder she would have to label it different if thats the case she is claiming to have multiple files all labeled exactly the same?What i beleive she means by that is she is now trying to correct it because I called the city and they stated at XXXX she uploaded a survey (cant confirm the survey address since Im not there in person). It should be noted I was there in person this day at XXXX  and she should have been denied access.. it is my belief she is trying to correct it only now because I will be taking this to court. XXXX  had no intention of looking at my permit since XXXX (day bank notified XXXX  of fraud). XXXX responded: I confirmed with the City that a survey was uploaded today at XXXX XXXX, after I texted you about the wrong paperwork. You have not responded since XXXX This confirms there was no valid permit in review before today, despite your prior texts claiming otherwise.You also stated there was no XXXX XXXX record, but I have the printed proof. You then tried to explain it away as a naming error. Uploading a new document today does not change the fact that I paid $XXXX  on XXXX and no work was performed under a valid permit. Under F.S. 489.126, the deposit must be refunded. Deadline remains XXXX XXXX XXXX Please XXXX XXXX to XXXX XXXX. Do not make further submissions on my permit. Leave it alone  I will cancel it directly with the CityXXXX  responded: I was hired only for permit submittal and have no involvement with your $XXXX  payment that is strictly between you and XXXX, and I never received any of those funds. The survey is on record, and I can show you proof of the XXXX  XXXX  permit I submitted for that survey, which was accidentally attached to your permit because I was submitting both the XXXX  and XXXX  permits at the same time. The submittal with the wrong survey name was an unintentional naming error, not an attempt to mislead you. Im not perfect nor are you so I hope you can understand how that kind of mistake can happen. I will make no further submissions -  Please address payment issues with XXXX  and do not text me again.Thank you\\XXXXShe stated she was hired (just like XXXX  did claiming XXXX  needs to get paid for permit and answering my calls). She then contradicts herself saying she never received those funds. I believe she is trying to distance herself from working in concert with XXXX  committing fraud/theft otherwise why ignore my update texts?XXXXXXXX responded: Understood, XXXX. But since you are the applicant on my permit and confirmed false filings to me by text, you are part of this matter. Get with XXXX  and resolve it. If I do not receive the XXXX  refund by XXXX XXXX you will also be included in my police report, DBPR complaint, and civil claim. This is my final message to youXXXXXXXX  texted XXXX XXXX  the qualifier listed on my permit, to confirm whether he authorized XXXX  to use his license. He replied: I am looking into it I will contact you later today. He has not responded further. XXXXCurrent Status\\nAs of XXXXNo construction work has been performed at my property.\\nThe permit remains unresolved, with the wrong survey \\XXXX  refuses to refund either the $XXXX check or the $XXXX  XXXX. Or starting fresh by refunding me and taking credit card or secure payment form. \\XXXX  admits to submitting the wrong survey but distances herself from the money even though XXXX  stated he needed to pay XXXX  and XXXX  stated she was hired.\\XXXX  has not clarified his role, despite his name being on my permitXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  check #XXXX  (fraud hold in place, outcome pending investigation)\\n$XXXX   XXXX  to XXXX (Chase)  not refunded. Filing CFPB claim.\\nTotal: $XXXXXXXX XXXX XXXX XXXX have not responded since. No work has started and no additional permit paperwork has been worked on by XXXX XXXX XXXX. Attached is numerous court documents which are public record of XXXX  doing the same thing to others.\\n\\n I labeled texts with XXXX  #1 through #18.\\n\\nTexts with XXXX  is #19 through #26, Texts with XXXX  labeled #27 and #28'","date_sent_to_company":"2025-09-29T13:08:05.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"33431","tags":null,"has_narrative":true,"complaint_id":"16247873","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-09-29T12:35:41.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["If the only way you will do the job is with a deposit, then it must be paid by <em>credit</em> card so both sides are protected."]},"sort":[6.1704893,"16247873"]},{"_index":"complaint-public-v1","_id":"18405340","_score":5.4970007,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone XXXX XXXX XXXX XXXX XXXX Email XXXX XXXX XXXX XXXX Date : * * [ Insert Date ] * * Via Certified Mail and Electronic Submission * * * * To : XXXX XXXX XXXX XXXX President & Chief Executive Officer PayPal Holdings , Inc. ( including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : * * Executive Relations/ Customer Advocacy Human Resources & Compliance PayPal Holdings , Inc. \n\n* * * # # # Mandate, Notice of Dispute, and Impact Statement * * Re : XXXX  Account Suspension, Frozen Funds, and Mishandling of Unauthorized Activity * * I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX am the verified owner of a XXXX  account under the name XXXX XXXX XXXX XXXX XXXX XXXX, username XXXX XXXX XXXX XXXX XXXX, associated with email * * XXXX * * and phone * * ( XXXX ) XXXX * *, and residing at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My XXXX  app currently shows a banner stating Your XXXX  account has been suspended while simultaneously displaying an available balance of * * {$38.00} * * that I can not access, transfer, or close out. When I attempt to close the account, I receive the message We cant close your account at the moment Your account requires further assistance. Contact our support team for more details. Screenshots documenting these facts are available and will be produced as evidence. \n\n* * * # # # I. Factual Background 1. On or about [ insert approximate date ], my XXXX  debit card and/or linked account were used without my authorization.\n\n2. Upon discovering these unauthorized transactions, I promptly reported the misuse to XXXX  in good faith and complied with all security and verification steps requested of me.\n\n3. In response, XXXX  suspended my account and disabled my card rather than simply removing the fraudulent transactions and preserving my access to the undisputed balance.\n\n4. Since that time, my account has remained in suspended status ; my card is unusable ; I am unable to withdraw or transfer my legitimate balance of {$38.00} ; and I am prevented from closing the account. \n5. Repeated attempts to obtain a clear, written explanation and timely resolution through XXXXPayPals customerservice channels have been unsuccessful, and no lawful justification for indefinite retention of my funds has been provided. \n\nThese actions convert a consumers fraud report into a pretext for effectively seizing funds that do not belong to XXXXPayPal and constitute an ongoing harm. \n\n* * * # # # II. Legal Framework ( Summary ) Without limiting any additional claims, the conduct described above appears inconsistent with, and potentially in violation of : 1. * * Federal protections for unauthorized electronic fund transfers * *, which require prompt and goodfaith investigation of reported unauthorized activity, limitation of consumer liability where notice is timely, and restoration or provisional credit of funds when warranted.\n\n2. * * Federal prohibitions on unfair or deceptive acts or practices * * in connection with consumerfinancial products and services, including misleading representations about access to funds and failure to follow stated disputeresolution procedures.\n\n3. * * XXXX consumerprotection and contractlaw principles * *, which prohibit unfair practices and badfaith interference with a customers access to their own money and recognize an implied covenant of good faith and fair dealing in every contract.\n\nXXXX  and PayPal publicly present their services as secure and consumerprotective. Freezing my account and effectively seizing my remaining balance after a goodfaith fraud report, while refusing to provide a clear and timely explanation, is incompatible with those representations and the above legal framework. \n\n* * * # # # III. Impact Statement As a direct and foreseeable result of XXXXPayPals actions and omissions : 1. * * Financial Hardship * * The sudden and continuing loss of access to my funds has interfered with my ability to pay for necessities, including food, transportation, and basic living expenses. I have had to rearrange payments and scramble for alternatives to cover ordinary obligations that these funds were intended to support.\n\n2. * * Emotional and Physical Stress * * Knowing that my account was compromised and that the institution responsible for protecting my funds responded by trapping the remaining balance has caused sustained stress, XXXX, and loss of sleep. Each failed attempt to secure an explanation or remedy has intensified this distress and significantly eroded my confidence in XXXXPayPal. \n\n3. * * Time and Opportunity Costs * * I have expended substantial time documenting the situation, contacting support, researching my rights, and preparing formal complaints. This time has been taken away from professional responsibilities and personal obligations and is solely attributable to XXXXPayPals mishandling of my account.\n\n4. * * Risk of Ongoing and Future Harm * * Because XXXX/PayPal has not clearly distinguished me, as a fraud victim, from the unauthorized activity itself, I face the risk that my name or account will be improperly tagged as highrisk or otherwise impaired in internal systems or with other financial institutions. Prolonged inaction increases the risk of reputational damage and future denial of services. \n\nThis is not a minor inconvenience. It is a continuing deprivation of my lawful property and a breakdown of the trust necessary for any consumerfinancial relationship. \n\n* * * # # # IV. Mandate and Demands In light of the foregoing, I hereby issue the following mandate and formal demands. These are made without prejudice to any additional rights and remedies available to me in law or equity. \n\n1. * * Immediate Financial Remediation ( within XXXX hours of confirmed receipt ) * * a. Restore full access to my XXXX  account and card; * * or * * b. Immediately transfer my entire nondisputed balance, including the {$38.00} currently frozen, to my linked bank account or remit those funds by check to my mailing address ; and c. Reverse and reimburse all unauthorized transactions and any related fees.\n\n2. * * Compensation for Harm and Inconvenience * * Tender a payment of * * {$2500.00} * * as compensation for financial hardship, time, stress, and disruption directly caused by XXXX/PayPals mishandling of my fraud report and the prolonged freeze and effective seizure of my funds.\n\n3. * * Written Explanation and Internal Accountability * * Provide a signed, written explanation that : - Identifies the precise reasons and internal codes used to justify my account suspension and the freezing of funds ; - Specifies the policies and procedures your staff relied upon in handling my case ; and - Describes in detail the steps taken by XXXXPayPal personnel to investigate this matter and why my access has not been restored.\n\nAdditionally, confirm that this incident has been escalated to Human Resources, Compliance, and relevant riskmanagement leadership and that appropriate corrective, disciplinary, or remedial measures will be taken if violations of policy or law are identified.\n\n4. * * Assurance Against Further Harm * * Provide written assurance that : - No negative or misleading information related to this incident will be reported to any consumer reporting agency ; and- I will not be designated as highrisk or otherwise penalized within XXXXPayPal systems solely because I reported fraud in good faith.\n\n* * * # # # V. Notice of Intended Legal and Regulatory Action If XXXX/PayPal does not fully comply with this mandate within * * ten ( 10 ) calendar days * * of confirmed receipt of this letter, I will, without additional notice : 1. File comprehensive complaints with the appropriate state and federal authorities, including the United States Attorney General, the Missouri Attorney General, the Consumer Financial Protection Bureau, and any other relevant regulators or enforcement agencies, detailing the facts and enclosing supporting evidence.\n\n2. Initiate formal proceedings under XXXX/PayPals own disputeresolution and arbitration provisions, seeking release of my funds, statutory and actual damages, costs, and any other relief available.\n\n3. Pursue additional civil claims in the proper forum, including but not limited to breach of contract, breach of the implied covenant of good faith and fair dealing, conversion, and unfair or deceptive practices.\n\n4. Cooperate fully with any lawenforcement or regulatory investigation into whether XXXXPayPals conduct, individually or as part of a broader pattern, warrants civil and/or criminal enforcement. \n\nI prefer to resolve this matter swiftly and amicably if XXXXPayPal acts in good faith, complies with applicable law, and honors the mandates set forth above. \n\nRespectfully, _____________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email XXXX XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # Forwarding Cover Letter to Attorney General ( Attachment : Mandate Above ) You can paste this into a second Word document and attach the signed mandate as an enclosure. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX XXXX Email XXXX XXXX XXXX XXXX Date : * * [ Insert Date ] * * Via Certified Mail * * * * To : * * XXXX XXXX United States Attorney General [ Office Address ] * * Re : Request for Review and Enforcement XXXX/PayPal Handling of Consumer Funds and Unauthorized Activity * * Attorney General XXXX, Enclosed please find my * * Mandate, Notice of Dispute, and Impact Statement * * addressed to XXXX  and its parent company, PayPal Holdings , Inc. , concerning the suspension of my XXXX  account, the freezing of my funds, and the mishandling of my report of unauthorized activity. \n\nI respectfully request that your office review the enclosed document and evidence, evaluate whether the conduct described violates federal consumerprotection, banking, electronicfundtransfer, or fraud statutes, and, where appropriate, initiate or refer civil and/or criminal enforcement actions. \n\nI am prepared to provide sworn testimony, complete transaction records, and any further documentation your office may require. Please direct any written response to my mailing address above, with a copy by email if possible. \n\nRespectfully, _____________________________ * * XXXX XXXX XXXX * * Enclosure : Mandate, Notice of Dispute, and Impact Statement addressed to PayPal/XXXX  CEO Citations : [ XXXX ] XXXXXXXX XXXX XXXX XXXXXXXX [ XXXX ] XXXX XXXX XXXX XXXXXXXX [ XXXX ] XXXXXXXX XXXX XXXX XXXXXXXX","date_sent_to_company":"2026-01-12T22:44:45.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"645XX","tags":"Servicemember","has_narrative":true,"complaint_id":"18405340","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-01-01T17:57:11.000Z","state":"MO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Freezing my account and effectively seizing my remaining balance <em>after</em> a goodfaith fraud <em>report</em>, while refusing to provide a clear and timely explanation, is incompatible with those representations and the above legal framework. \n\n* * * # # # III."]},"sort":[5.4970007,"18405340"]},{"_index":"complaint-public-v1","_id":"9363651","_score":4.6769047,"_source":{"product":"Mortgage","complaint_what_happened":"This complaint details a series of problems encountered during the servicing of my mortgage loan. The loan was originated by XXXX in XXXX [ XXXX ] and servicing was transferred to SLS on XX/XX/XXXX ( see all details in the email chain below ). Multiple Errors and Delays : Delinquent Property Tax : In XX/XX/XXXX, I received a notice from the county regarding unpaid property taxes which could result in a lien. Despite contacting both XXXX  and SLS, the payment was not processed by the deadline, even though XXXX confirmed sending the necessary funds to XXXX. Incorrect Payment and Excess Withdrawal : In XX/XX/XXXX, I discovered an unauthorized withdrawal from my escrow account by SLS for an amount exceeding the actual property tax. Missing Loan Documents : SLS requested insurance documents that should have been transferred from XXXX during the loan servicing handover. Unresolved Issues and Delays : My attempts to communicate with SLS regarding these issues resulted in delays and a lack of communication from a supervisor. Additionally, after I mentioned filing a CFPB complaint, SLS informed me I needed supplemental flood insurance, even though the existing insurance was previously deemed sufficient. Attempted Payoff and Compensation : Due to the significant stress and wasted time caused by these errors and delays, I requested a resolution from both SLS and XXXX, including : Reimbursement for penalties and fees. A clear solution to manage my loan going forward. The option to payoff the mortgage in full. Compensation for the emotional distress, time, and effort I expended resolving these issues. Unresolved Situation : Despite my attempts, the situation remains unresolved. I couldn't payoff the loan the escrow account still shows an incorrect negative balance of more than XXXX. I am filing this complaint with the CFPB to seek assistance in resolving these issues and ensuring my rights as a borrower are protected. See below ( from latest to first email chain with all the parties involved ), If you need more documentation I can also provide text messages related to this problem as well as a more detailed phone log. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Delinquent taxes due XX/XX/XXXX Hello XXXX, I'm really sick and tired of this no sense. Now I think you are bulling me. As mentioned before I want to payoff the loan. The level of stress this situation has caused me is beyond repair. I'm sure what you are requesting now is wrong since the loan has less than XXXX year and insurance hasn't changed. Please show records that you paid the taxes and solve the problem with the escrow account. i'll pay the net sum tomorrow if you want. i'll hold your company responsible for the interest charged since the day I requested the payoff, more than a week ago, to the day you provide the requested payoff with all the money returned to the escrow account. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  wrote : Good afternoon XXXX, I received a response to the flood insurance policy provided by your homeowner 's association ( HOA ) which is below. The flood minimum required coverage amount is {$62000.00}. The HOA master policy coverage provided is {$48000.00}, so there is gap policy is to cover the difference and the gap policy can only be removed if the condo association increases their coverage amount per unit or the borrower purchases a preferred policy for the difference in that amount which is {$14000.00}. For additional assistance, please contact XXXX XXXX XXXX ( formerly Specialized Loan Servicing XXXX ) at XXXX. Customer Service is available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank you for the opportunity to assist you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  wrote : Dear XXXX, XXXX and To Whomever It May Concern at SLS, Thank you for your response. I appreciate your efforts to address the tax issue and your prompt communication. However, I must express my disagreement with the proposed solution for the escrow account. The purpose of requesting the payoff was to resolve these issues without further delay. The current situation, where the escrow account remains negative and unresolved, is causing me considerable stress and is highly inconvenient. As per my initial communications with XXXX and SLS, the issue is still not resolved. Your response indicates a continued delay without a clear and timely solution. This situation is unacceptable and has significantly impacted me both financially and emotionally. The negative balance in the escrow account is due to SLS 's mistake of paying the wrong parcel. Since this error is entirely the fault of SLS, I find it unreasonable and unfair that I am not being reimbursed the total amount immediately. The purpose of the escrow account is to ensure timely payment of taxes and insurance, and this mistake has directly led to additional problems and stress for me. Given the ongoing lack of resolution, I am left with no choice but to escalate this matter. I will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and will ensure that XXXX, and all parties are also included in this complaint. I have tried to resolve this matter amicably, but the continued delays and lack of a satisfactory resolution have left me with no other option. Furthermore, I reserve the right to escalate this matter further, including seeking resolution through legal action if necessary. I strongly urge you to reconsider my request and to provide a more immediate and effective resolution to this issue, including the reimbursement of the total amount paid to the incorrect parcel and a discount on the loan payoff amount to account for the time, effort, and stress caused by this mismanagement. Please be aware that the time and stress I am experiencing continues to accumulate as this issue remains unresolved. Please acknowledge receipt of this letter. Thank you for your attention to this matter. Best regards, XXXX On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : Good afternoon XXXX, Thank you for letting me know about the tax certificate being issued. The Tax team has been working to get the total amount due for your taxes including interest and penalties. I was able to get the tax certificate from the tax collector 's website and I have forwarded it to Specialized Loan Servicing. I will order a payoff statement for you good through the end of XXXX. If your loan pays off before the tax payment is disbursed, then we will not be able to pay the delinquent taxes. Please be aware that your escrow balance is negative, so that will be included in the payoff calculation to bring the escrow balance to {$0.00}. When the tax refund is received for the tax payment made on the incorrect parcel, you will receive a refund check. Please allow me to apologize for any frustration or inconvenience you may have experienced while attempting to address these concerns. We are diligently working to resolve your concerns and escalated the matter upon receipt of your initial communication with our team. We will continue to monitor until a resolution is provided. As it relates to compensation, we are unable to accomodate your request. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : Dear XXXX, Thank you for your call on XX/XX/XXXX. I appreciate your efforts to understand and address the situation. While I acknowledge your recognition of the insurance issue, I must express my concern that the other problems remain unresolved. Despite your forwarding the information to SLS, as stated in my previous communications, SLS has been aware since XX/XX/XXXX that the taxes were not paid. On XX/XX/XXXX, they admitted to wrongfully paying a different parcel and committed to paying the correct parcel within XXXX business days. As per my earlier email, I requested resolution within XXXX hours, highlighting that more than XXXX days had already elapsed. They still have not paid the taxes that should have been paid XXXX months ago. Unfortunately, the attached images clearly show that the taxes remain unpaid and a tax certificate has been imposed on the property. Additionally, the amounts in the escrow account have not been corrected. At this point, I no longer wish to deal with these problems. Please prepare a payoff for the loan so I can resolve this matter entirely. Given the ongoing issues and the considerable inconvenience caused by SLS 's mismanagement, I am requesting a discount on the loan payoff amount. Based on my calculations, the time and effort, and the stress and inconvenience I have experienced total approximately {$8500.00}. Therefore, I am seeking a discount of {$8000.00} on the loan payoff amount to account for these impacts. Also, please ensure the escrow balance you reimburse me considers all the aspects I have previously mentioned to you. I hope you understand the severity of this situation and can accommodate this request. Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : Good morning XXXX, Thakn you for taking the time to speak with me today. To summarize, I reviewed the insurance information on your account and it's all be updated, so the insurance information is current. Regarding the property taxes due in XX/XX/XXXX, the incorrect tax parcel was paid, Specialized Loan Servicing ( SLS ) is working to have the correct tax parcel paid and secure a refund for the incorrect tax parcel payment. I spoke with XXXX at the XXXX XXXX XXXX XXXX XXXX, phone number XXXX and she stated that the tax bills are sent out with the amount due in XXXX, so your tax bill was {$3100.00} and that if the customer makes the payment in XXXX, there is a 4 % discount, so {$120.00}, so if the taxes were paid in XXXX, the total due would've been {$3000.00}. I've forwarded this information to SLS. We acquired the servicing of your loan for the XX/XX/XXXX payment, so the previous lender, XXXX XXXX XXXX XXXX ( XXXX ) should have paid your taxes prior to the servicing transfer date. In your email to XXXX, you had asked for proof that they transferred funds to XXXX. Please see your final Closing XXXX with the XXXX XXXX XXXX XXXX XXXX which shows {$2700.00} was collected. Your first payment letter shows that the collection for property taxes and insurance is {$260.00} per month, so XXXX payments were made to XXXX, escrow payment collected was {$520.00}. Add the {$520.00} to the escrow deposit of {$2700.00} brings your escrow balance to {$3300.00} which is reflected on the monthly statement dated XX/XX/XXXX. Please find these documents in the attachment section of this message ( not the links displayed in the body of the email ). The documents password protected and the password is XXXX, the XXXX XXXX are the last XXXX digits of your Social Security number. Please note that if you are viewing this email on an XXXX or XXXX, you will not be able to access the document. You will need to sign onto a laptop or desktop to access the document. In order to remove your escrow account, please submit a letter that includes your loan number and property address which is dated and signed with your handwritten signature with your request to have your taxes, your insurance or that both items be removed from the escrow account collection. You may scan the letter and attach in pdf format in response to this email. If you have any questions, please feel free to contact me. Thank you for the opportunity to assist you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The information contained in this message is proprietary and/or confidential. If you are not the intended recipient, please ( i ) delete the message and all copies, ( ii ) do not disclose, distribute or use the message in any manner, and ( iii ) notify the sender immediately. In addition, please be aware that any message addressed to our domain is subject to archiving and review by persons other than the intended recipient. XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  wrote : Dear SLS and XXXX I am writing to formally address several critical issues related to the servicing of my mortgage loan ( # XXXX ). The loan was originated by XXXX on XX/XX/XXXX and servicing was transferred to SLS on XX/XX/XXXX. Delinquent Property Tax Payment : On XX/XX/XXXX, I received a concerning letter from the county stating that my property taxes were delinquent and could result in a lien if not paid by XX/XX/XXXX. I promptly contacted XXXX ( on XX/XX/XXXX ) to address this issue. During this communication, I also noticed a discrepancy in the property information and specifically requested verification of the parcel number. Despite contacting both XXXX and SLS ( XX/XX/XXXX and XXXX ), the payment was not processed by the deadline. XXXX confirmed they had sent the necessary funds to SLS for the tax payment. Additionally, on XX/XX/XXXX, I requested XXXX to contact their legal department and provide me with a copy of the documentation showing the transfer of funds to SLS, but this request was not fulfilled. Incorrect Payment and Excess Withdrawal : On XX/XX/XXXX, I accessed my SLS loan account online and discovered an unauthorized withdrawal of {$7100.00} on XX/XX/XXXX. This amount significantly exceeds the actual property tax amount of {$3600.00}. Furthermore, XXXXhe county records still indicate the property tax as unpaid. When I contacted SLS on XX/XX/XXXX, they acknowledged the error and stated it would take XXXX business days to rectify the situation. This delay is unacceptable, considering the previous mismanagement and the potential consequences of the outstanding tax payment. Missing Insurance Documents : SLS is currently requesting insurance documents for the property. These documents should have been transferred from XXXX during the loan servicing handover, as the loan is less than a year old. XXXX was originally responsible for maintaining these documents. Late Payment Interest on Property Tax : The late payment of the property tax in XX/XX/XXXX resulted in a penalty of 5 %. Since the responsibility of paying the taxes on time falls on the escrow account owner, I request reimbursement for this late payment penalty. Unresponsive XXXX : On XX/XX/XXXX, the SLS agent I spoke with informed me that a supervisor would contact me within XXXX hours. As of today 's date ( XX/XX/XXXX ), I have not received any communication from a supervisor. The agent also provided an email address for SLS claims ( XXXX ), which she verified was correct, I hope it is. Request for Resolution : The repeated errors and delays have caused significant stress and wasted time. To rectify this situation, I demand the following : Immediate payment of the correct property tax amount ( {$3600.00} ) to the county. Full refund of the excess amount withdrawn from my escrow account. Clear explanation for the initial delay, the incorrect payment, and the lack of communication from a supervisor. Confirmation that the outstanding property tax is now settled and will not result in any penalties or liens. Transfer of all necessary loan documents, including insurance documentation, from XXXX to SLS. Acknowledgement that SLS have the Insurance documentation. Reimbursement for the 5 % incurred due to the late payment of the XXXX property tax plus any other fines or fees or other things that were imposed or might be imposed due to the lack of payment in XXXX. Option to remove my escrow account and manage property tax payments myself. If I do not receive a satisfactory resolution within XXXX hours, I will be forced to file a complaint with the Consumer Financial Protection Bureau ( CFPB ). I will also consider pursuing legal action to recover any damages caused by this mismanagement. Thank you for your prompt attention to this urgent matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Servicing Transfer Problem with Property tax payment Hello XXXX XXXX XXXX XXXXSLS has advised yesterday that they are correcting the issues with your property taxes and an email was sent to you as well. You confirmed your communication with the servicer today via text message. In addition, you stated in your text message that XXXXSLS is requesting proof of your insurance. On your behalf, we provided XXXX/SLS with the attached insurance policy. If your insurance has changed, please let us know so we can help get this information to XXXX/SLS. Further, we attempted to call you on the phone numbers of record to no avail. If you have any questions, please contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WIRE FRAUD WARNING : Never trust wiring instructions sent by unsecure email. Cyber criminals are known to hack email accounts and send emails with fake wiring instructions. These emails are convincing and sophisticated. ALWAYS confirm wiring instructions in person or by telephone using a trusted and verified phone number. NEVER wire money without confirming that the wiring instructions are correct and are from the title/closing agent. If you are in doubt, call your loan XXXX or real estate agent immediately. From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Servicing Transfer Problem with Property tax payment Good afternoon, XXXX XXXX, XXXX has communicated your concern to XXXX and requested immediate outreach to you regarding the property tax issue. XXXX will continue to monitor the situation through resolution. Thank you! From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; Servicing XXXX Cc : Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transfer Problem with Property tax payment This email originated from outside XXXX Hello XXXX, I've sent a couple of messages today, I'm sending them also via email, just in case you are not getting them. Please see the attached images. Can you understand what is going on? In my account it seems like they have paid ( see first image ) XXXX that is almost double what they should have paid. The other problem is the site is not showing that they have paid a XXXX ( see second image above ). Since I don't have the information about the person you talked to, please contact him/her you talked to to see what is going on and let me know. I'm considering reporting this gross mismanagement to the CFPB. I still don't understand why this wasn't paid directly when the closing agent disbursed the funds. Also, I don't understand why it wasn't paid as soon as SLS received the money from you. Please solve the problem and make sure they credited my account with the appropriate amount to also shown the discount that I should have been granted if taxes were paid on time as it is they duty of the escrow account owner. I appreciate a prompt response and if you can't, please forward this message and CC me to an email on SLS that can be shared with a customer. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : Hello XXXX : As per our recent call and text messages exchanges, I'd like to formally request the following : XXXX. I'd like to know why the property tax payment was not made by XXXX on the month of XXXX as you have the money directly from escrow to make the payment. XXXX. I understand you transfer the money when you transfer the loan on XXXX to Specialized loan servicing. Please confirm. XXXX. I understand you spoke to someone in specialized loan Servicing that confirm that they have received your money to pay and that they will be paying this. Please provide a name, email and phone number in case I'd like to contact him. XXXX. I understand this person told you that Specialized loan servicing will make the payment. Please confirm. XXXX. I made clear to you that i want to be reimbursed on my escrow account for the money we have to overpay due to the fact that the property tax payment was not made in XXXX as it should have. Having said all this I'd like to thank you for your help on this matter so far. I understand it is very difficult to get in contact with specialized loan servicing since they have a horrible customer service. Please send me the requested information ASAP so I can have that for my records and to show to the appropriate authorities to avoid any further complications. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information contained in this message is proprietary and/or confidential. If you are not the intended recipient, please ( i ) delete the message and all copies, ( ii ) do not disclose, distribute or use the message in any manner, and ( iii ) notify the sender immediately. In addition, please be aware that any message addressed to our domain is subject to archiving and review by persons other than the intended recipient. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information contained in this message is proprietary and/or confidential. If you are not the intended recipient, please ( i ) delete the message and all copies, ( ii ) do not disclose, distribute or use the message in any manner, and ( iii ) notify the sender immediately. In addition, please be aware that any message addressed to our domain is subject to archiving and review by persons other than the intended recipient. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-06-27T15:30:04.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"9363651","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2024-06-27T15:26:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["<em>Please</em> find these documents in the <em>attachment</em> section of this message ( not the links <em>displayed</em> in the body of the email ). The documents password protected and the password is XXXX, the XXXX XXXX are the last XXXX digits of your Social Security number. <em>Please</em> note that if you are viewing this email on an XXXX or XXXX, you will not be able to access the document. You will need to <em>sign</em> onto a laptop or desktop to access the document."]},"sort":[4.6769047,"9363651"]},{"_index":"complaint-public-v1","_id":"9363157","_score":4.6769047,"_source":{"product":"Mortgage","complaint_what_happened":"This complaint details a series of problems encountered during the servicing of my mortgage loan. The loan was originated by PRMG in XXXX [ XXXX ] and servicing was transferred to XXXX on XX/XX/XXXX ( see all details in the email chain below ). Multiple Errors and Delays : Delinquent Property Tax : In XX/XX/XXXX, I received a notice from the county regarding unpaid property taxes which could result in a lien. Despite contacting both PRMG and XXXX, the payment was not processed by the deadline, even though PRMG confirmed sending the necessary funds to XXXX. Incorrect Payment and Excess Withdrawal : In XX/XX/XXXX, I discovered an unauthorized withdrawal from my escrow account by XXXX for an amount exceeding the actual property tax. Missing Loan Documents : XXXX requested insurance documents that should have been transferred from PRMG during the loan servicing handover. Unresolved Issues and Delays : My attempts to communicate with XXXX regarding these issues resulted in delays and a lack of communication from a supervisor. Additionally, after I mentioned filing a CFPB complaint, XXXX informed me I needed supplemental flood insurance, even though the existing insurance was previously deemed sufficient. Attempted Payoff and Compensation : Due to the significant stress and wasted time caused by these errors and delays, I requested a resolution from both XXXX and PRMG, including : Reimbursement for penalties and fees. A clear solution to manage my loan going forward. The option to payoff the mortgage in full. Compensation for the emotional distress, time, and effort I expended resolving these issues. Unresolved Situation : Despite my attempts, the situation remains unresolved. I couldn't payoff the loan the escrow account still shows an incorrect negative balance of more than XXXX. I am filing this complaint with the CFPB to seek assistance in resolving these issues and ensuring my rights as a borrower are protected. See below ( from latest to first email chain with all the parties involved ), If you need more documentation I can also provide text messages related to this problem as well as a more detailed phone log. -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX XXXX Cc : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Sent : Thursday, XX/XX/XXXX at XXXXXXXX XXXX GMTXXXX Subject : Re : ( XXXX ) Delinquent taxes due XX/XX/XXXX Hello XXXX, I'm really sick and tired of this no sense. Now I think you are bulling me. As mentioned before I want to payoff the loan. The level of stress this situation has caused me is beyond repair. I'm sure what you are requesting now is wrong since the loan has less than one year and insurance hasn't changed. Please show records that you paid the taxes and solve the problem with the escrow account. i'll pay the net sum tomorrow if you want. i'll hold your company responsible for the interest charged since the day I requested the payoff, more than a week ago, to the day you provide the requested payoff with all the money returned to the escrow account. Regards, XXXX. On Wednesday, XX/XX/XXXX at XXXXXXXX XXXX GMTXXXX, XXXX XXXX XXXX wrote : Good afternoon XXXX, I received a response to the flood insurance policy provided by your homeowner 's association ( HOA ) which is below. The flood minimum required coverage amount is {$62000.00}. The HOA master policy coverage provided is {$48000.00}, so there is gap policy is to cover the difference and the gap policy can only be removed if the condo association increases their coverage amount per unit or the borrower purchases a preferred policy for the difference in that amount which is {$14000.00}. For additional assistance, please contact XXXX XXXX XXXX ( formerly XXXX XXXX XXXX XXXX ) at XXXX. Customer Service is available Monday through Friday from XXXXXXXX XXXX until XXXXXXXX XXXX MST. Thank you for the opportunity to assist you, XXXX XXXX On XX/XX/XXXX XXXXXXXX XXXX XXXX wrote : Dear XXXX, XXXX and To Whomever It May Concern at XXXX, Thank you for your response. I appreciate your efforts to address the tax issue and your prompt communication. However, I must express my disagreement with the proposed solution for the escrow account. The purpose of requesting the payoff was to resolve these issues without further delay. The current situation, where the escrow account remains negative and unresolved, is causing me considerable stress and is highly inconvenient. As per my initial communications with PRMG and XXXX, the issue is still not resolved. Your response indicates a continued delay without a clear and timely solution. This situation is unacceptable and has significantly impacted me both financially and emotionally. The negative balance in the escrow account is due to XXXX 's mistake of paying the wrong parcel. Since this error is entirely the fault of XXXX, I find it unreasonable and unfair that I am not being reimbursed the total amount immediately. The purpose of the escrow account is to ensure timely payment of taxes and insurance, and this mistake has directly led to additional problems and stress for me. Given the ongoing lack of resolution, I am left with no choice but to escalate this matter. I will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and will ensure that XXXX, and all parties are also included in this complaint. I have tried to resolve this matter amicably, but the continued delays and lack of a satisfactory resolution have left me with no other option. Furthermore, I reserve the right to escalate this matter further, including seeking resolution through legal action if necessary. I strongly urge you to reconsider my request and to provide a more immediate and effective resolution to this issue, including the reimbursement of the total amount paid to the incorrect parcel and a discount on the loan payoff amount to account for the time, effort, and stress caused by this mismanagement. Please be aware that the time and stress I am experiencing continues to accumulate as this issue remains unresolved. Please acknowledge receipt of this letter. Thank you for your attention to this matter. Best regards, XXXX On Thursday, XX/XX/XXXX at XXXXXXXX XXXX GMTXXXX, XXXX XXXX XXXX wrote : Good afternoon XXXX, Thank you for letting me know about the tax certificate being issued. The Tax team has been working to get the total amount due for your taxes including interest and penalties. I was able to get the tax certificate from the tax collector 's website and I have forwarded it to XXXX XXXX XXXX. I will order a payoff statement for you good through the end of XXXX. If your loan pays off before the tax payment is disbursed, then we will not be able to pay the delinquent taxes. Please be aware that your escrow balance is negative, so that will be included in the payoff calculation to bring the escrow balance to {$0.00}. When the tax refund is received for the tax payment made on the incorrect parcel, you will receive a refund check. Please allow me to apologize for any frustration or inconvenience you may have experienced while attempting to address these concerns. We are diligently working to resolve your concerns and escalated the matter upon receipt of your initial communication with our team. We will continue to monitor until a resolution is provided. As it relates to compensation, we are unable to accomodate your request. Thank you, XXXX XXXX On XX/XX/XXXX XXXXXXXX XXXX XXXX wrote : Dear XXXX, Thank you for your call on XX/XX/XXXX. I appreciate your efforts to understand and address the situation. While I acknowledge your recognition of the insurance issue, I must express my concern that the other problems remain unresolved. Despite your forwarding the information to XXXX, as stated in my previous communications, XXXX has been aware since XX/XX/XXXX that the taxes were not paid. On XX/XX/XXXX, they admitted to wrongfully paying a different parcel and committed to paying the correct parcel within 10 business days. As per my earlier email, I requested resolution within 48 hours, highlighting that more than 23 days had already elapsed. They still have not paid the taxes that should have been paid six months ago. Unfortunately, the attached images clearly show that the taxes remain unpaid and a tax certificate has been imposed on the property. Additionally, the amounts in the escrow account have not been corrected. At this point, I no longer wish to deal with these problems. Please prepare a payoff for the loan so I can resolve this matter entirely. Given the ongoing issues and the considerable inconvenience caused by XXXX 's mismanagement, I am requesting a discount on the loan payoff amount. Based on my calculations, the time and effort, and the stress and inconvenience I have experienced total approximately {$8500.00}. Therefore, I am seeking a discount of {$8000.00} on the loan payoff amount to account for these impacts. Also, please ensure the escrow balance you reimburse me considers all the aspects I have previously mentioned to you. I hope you understand the severity of this situation and can accommodate this request. Best regards, XXXX On Tuesday, XX/XX/XXXX at XXXXXXXX XXXX GMTXXXX, XXXX XXXX XXXX wrote : Good morning XXXX, Thakn you for taking the time to speak with me today. To summarize, I reviewed the insurance information on your account and it's all be updated, so the insurance information is current. Regarding the property taxes due in XX/XX/XXXX, the incorrect tax parcel was paid, XXXX XXXX XXXX ( XXXX ) is working to have the correct tax parcel paid and secure a refund for the incorrect tax parcel payment. I spoke with XXXX at the XXXX XXXX County tax office, phone number XXXX and she stated that the tax bills are sent out with the amount due in XXXX, so your tax bill was {$3100.00} and that if the customer makes the payment in XXXX, there is a 4 % discount, so {$120.00}, so if the taxes were paid in XXXX, the total due would've been {$3000.00}. I've forwarded this information to XXXX. We acquired the servicing of your loan for the XX/XX/XXXX payment, so the previous lender, Paramount Residential Mortgage Group ( PRMG ) should have paid your taxes prior to the servicing transfer date. In your email to PRMG, you had asked for proof that they transferred funds to XXXX. Please see your final Closing Disclosure with the Initial Escrow Payment at Closing which shows {$2700.00} was collected. Your first payment letter shows that the collection for property taxes and insurance is {$260.00} per month, so two payments were made to PRMG, escrow payment collected was {$520.00}. Add the {$520.00} to the escrow deposit of {$2700.00} brings your escrow balance to {$3300.00} which is reflected on the monthly statement dated XX/XX/XXXX. Please find these documents in the attachment section of this message ( not the links displayed in the body of the email ). The documents password protected and the password is XXXX, the XXXX XXXX  are the last four digits of your Social Security number. Please note that if you are viewing this email on an XXXX or XXXX, you will not be able to access the document. You will need to sign onto a laptop or desktop to access the document. In order to remove your escrow account, please submit a letter that includes your loan number and property address which is dated and signed with your handwritten signature with your request to have your taxes, your insurance or that both items be removed from the escrow account collection. You may scan the letter and attach in pdf format in response to this email. If you have any questions, please feel free to contact me. Thank you for the opportunity to assist you, XXXX XXXX XXXX XXXX XXXX Analyst Direct Line XXXX Toll Free XXXX extension XXXX Servicing Support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NMLS ID XXXX The information contained in this message is proprietary and/or confidential. If you are not the intended recipient, please ( i ) delete the message and all copies, ( ii ) do not disclose, distribute or use the message in any manner, and ( iii ) notify the sender immediately. In addition, please be aware that any message addressed to our domain is subject to archiving and review by persons other than the intended recipient. XXXX XXXX XXXX XXXX XXXX NMLS ID XXXX. On Tuesday, XX/XX/XXXX at XXXXXXXX XXXX GMTXXXX, XXXX XXXX XXXX wrote : Dear XXXX and PRMG, I am writing to formally address several critical issues related to the servicing of my mortgage loan ( # XXXX ). The loan was originated by PRMG on XX/XX/XXXX and servicing was transferred to XXXX on XX/XX/XXXX. Delinquent Property Tax Payment : On XX/XX/XXXX, I received a concerning letter from the county stating that my property taxes were delinquent and could result in a lien if not paid by XX/XX/XXXX. I promptly contacted PRMG ( on XX/XX/XXXX ) to address this issue. During this communication, I also noticed a discrepancy in the property information and specifically requested verification of the parcel number. Despite contacting both PRMG and XXXX ( XX/XX/XXXX and XXXX ), the payment was not processed by the deadline. PRMG confirmed they had sent the necessary funds to XXXX for the tax payment. Additionally, on XX/XX/XXXX, I requested PRMG to contact their legal department and provide me with a copy of the documentation showing the transfer of funds to XXXX, but this request was not fulfilled. Incorrect Payment and Excess Withdrawal : On XX/XX/XXXX, I accessed my XXXX loan account online and discovered an unauthorized withdrawal of {$7100.00} on XX/XX/XXXX. This amount significantly exceeds the actual property tax amount of {$3600.00}. Furthermore, the county records still indicate the property tax as unpaid. When I contacted XXXX on XX/XX/XXXX, they acknowledged the error and stated it would take 10 business days to rectify the situation. This delay is unacceptable, considering the previous mismanagement and the potential consequences of the outstanding tax payment. Missing Insurance Documents : XXXX is currently requesting insurance documents for the property. These documents should have been transferred from PRMG during the loan servicing handover, as the loan is less than a year old. PRMG was originally responsible for maintaining these documents. Late Payment Interest on Property Tax : The late payment of the property tax in XX/XX/XXXX resulted in a penalty of 5 %. Since the responsibility of paying the taxes on time falls on the escrow account owner, I request reimbursement for this late payment penalty. Unresponsive Supervisor : On XX/XX/XXXX, the XXXX agent I spoke with informed me that a supervisor would contact me within 24-48 hours. As of today 's date ( XX/XX/XXXX ), I have not received any communication from a supervisor. The agent also provided an email address for XXXX claims ( XXXX ), which she verified was correct, I hope it is. Request for Resolution : The repeated errors and delays have caused significant stress and wasted time. To rectify this situation, I demand the following : Immediate payment of the correct property tax amount ( {$3600.00} ) to the county. Full refund of the excess amount withdrawn from my escrow account. Clear explanation for the initial delay, the incorrect payment, and the lack of communication from a supervisor. Confirmation that the outstanding property tax is now settled and will not result in any penalties or liens. Transfer of all necessary loan documents, including insurance documentation, from PRMG to XXXX. Acknowledgement that XXXX have the Insurance documentation. Reimbursement for the 5 % incurred due to the late payment of the XXXX property tax plus any other fines or fees or other things that were imposed or might be imposed due to the lack of payment in XXXX. Option to remove my escrow account and manage property tax payments myself. If I do not receive a satisfactory resolution within 48 hours, I will be forced to file a complaint with the Consumer Financial Protection Bureau ( CFPB ). I will also consider pursuing legal action to recover any damages caused by this mismanagement. Thank you for your prompt attention to this urgent matter. Sincerely, -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX at XXXXXXXX XXXX GMTXXXX  Subject : RE : XXXX | XXXX Transfer Problem with Property tax payment Hello XXXX XXXX XXXX XXXX has advised yesterday that they are correcting the issues with your property taxes and an email was sent to you as well. You confirmed your communication with the servicer today via text message. In addition, you stated in your text message that XXXX is requesting proof of your insurance. On your behalf, we provided XXXX with the attached insurance policy. If your insurance has changed, please let us know so we can help get this information to XXXX. Further, we attempted to call you on the phone numbers of record to no avail. If you have any questions, please contact me at XXXX. Thanks XXXX XXXX XXXX Compliance Specialist img [ XXXX ] * Email : XXXX ( Office : XXXX WIRE FRAUD WARNING : Never trust wiring instructions sent by unsecure email. Cyber criminals are known to hack email accounts and send emails with fake wiring instructions. These emails are convincing and sophisticated. ALWAYS confirm wiring instructions in person or by telephone using a trusted and verified phone number. NEVER wire money without confirming that the wiring instructions are correct and are from the title/closing agent. If you are in doubt, call your loan officer or real estate agent immediately. From : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX XXXXXXXX XXXX  To : XXXX XXXX : XXXX XXXX XXXX Subject : XXXX | Servicing Transfer Problem with Property tax payment Good afternoon, XXXX XXXX, PRMG has communicated your concern to XXXX and requested immediate outreach to you regarding the property tax issue. PRMG will continue to monitor the situation through resolution. Thank you! From : XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX ; XXXX XXXXXXXX ; XXXX XXXX Cc : XXXX XXXX ; XXXX XXXX XXXX Subject : [ XXXX ] Re : XXXX | Servicing Transfer Problem with Property tax payment This email originated from outside PRMG. Hello XXXX, I've sent a couple of messages today, I'm sending them also via email, just in case you are not getting them. Please see the attached images. Can you understand what is going on? In my account it seems like they have paid ( see first image ) XXXX that is almost double what they should have paid. The other problem is the site is not showing that they have paid a penny ( see second image above ). Since I don't have the information about the person you talked to, please contact him/her you talked to to see what is going on and let me know. I'm considering reporting this gross mismanagement to the CFPB. I still don't understand why this wasn't paid directly when the closing agent disbursed the funds. Also, I don't understand why it wasn't paid as soon as XXXX received the money from you. Please solve the problem and make sure they credited my account with the appropriate amount to also shown the discount that I should have been granted if taxes were paid on time as it is they duty of the escrow account owner. I appreciate a prompt response and if you can't, please forward this message and CC me to an email on XXXX that can be shared with a customer. Thank you, XXXX. On Friday, XX/XX/XXXX at XXXX XXXX GMTXXXX, XXXX XXXX XXXX wrote : Hello XXXX : As per our recent call and text messages exchanges, I'd like to formally request the following : 1. I'd like to know why the property tax payment was not made by PRMG on the month of XXXX as you have the money directly from escrow to make the payment. 2. I understand you transfer the money when you transfer the loan on XXXX to XXXX XXXX XXXX. Please confirm. 3. I understand you spoke to someone in specialized loan Servicing that confirm that they have received your money to pay and that they will be paying this. Please provide a name, email and phone number in case I'd like to contact him. 4. I understand this person told you that XXXXXXXX XXXX XXXX will make the payment. Please confirm. 5. I made clear to you that i want to be reimbursed on my escrow account for the money we have to overpay due to the fact that the property tax payment was not made in XXXX as it should have. Having said all this I'd like to thank you for your help on this matter so far. I understand it is very difficult to get in contact with specialized loan servicing since they have a horrible customer service. Please send me the requested information ASAP so I can have that for my records and to show to the appropriate authorities to avoid any further complications. Thank you, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NMLS ID XXXX The information contained in this message is proprietary and/or confidential. If you are not the intended recipient, please ( i ) delete the message and all copies, ( ii ) do not disclose, distribute or use the message in any manner, and ( iii ) notify the sender immediately. In addition, please be aware that any message addressed to our domain is subject to archiving and review by persons other than the intended recipient. XXXX XXXX XXXX XXXX XXXX NMLS ID XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX NMLS ID XXXX The information contained in this message is proprietary and/or confidential. If you are not the intended recipient, please ( i ) delete the message and all copies, ( ii ) do not disclose, distribute or use the message in any manner, and ( iii ) notify the sender immediately. In addition, please be aware that any message addressed to our domain is subject to archiving and review by persons other than the intended recipient. XXXX XXXX XXXX XXXX XXXX NMLS ID XXXX.","date_sent_to_company":"2024-06-27T15:34:51.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"9363157","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PARAMOUNT RESIDENTIAL MORTGAGE GROUP","date_received":"2024-06-27T15:31:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["<em>Please</em> find these documents in the <em>attachment</em> section of this message ( not the links <em>displayed</em> in the body of the email ). The documents password protected and the password is XXXX, the XXXX XXXX  are the last four digits of your Social Security number. <em>Please</em> note that if you are viewing this email on an XXXX or XXXX, you will not be able to access the document. You will need to <em>sign</em> onto a laptop or desktop to access the document."]},"sort":[4.6769047,"9363157"]},{"_index":"complaint-public-v1","_id":"9363938","_score":4.6733346,"_source":{"product":"Mortgage","complaint_what_happened":"This complaint details a series of problems encountered during the servicing of my mortgage loan. The loan was originated by XXXX in XXXX [ XXXX ] and servicing was transferred to XXXX on XX/XX/XXXXXXXX  ( see all details in the email chain below ).\n\nMultiple Errors and Delays : Delinquent Property Tax : In XX/XX/XXXX, I received a notice from the county regarding unpaid property taxes which could result in a lien. Despite contacting both XXXX  and XXXX, the payment was not processed by the deadline, even though XXXX confirmed sending the necessary funds to XXXX. \nIncorrect Payment and Excess Withdrawal : In XX/XX/XXXX, I discovered an unauthorized withdrawal from my escrow account by XXXX  for an amount exceeding the actual property tax. \nMissing Loan Documents : XXXX requested insurance documents that should have been transferred from XXXX during the loan servicing handover.\n\nUnresolved Issues and Delays : My attempts to communicate with XXXX  regarding these issues resulted in delays and a lack of communication from a supervisor. Additionally, after I mentioned filing a CFPB\ncomplaint, XXXX informed me I needed supplemental\n\nflood insurance, even though the existing insurance was previously deemed sufficient. Attempted Payoff and Compensation : Due to the significant stress and wasted time caused by these errors and delays, I requested a resolution from both XXXX and XXXX, including : Reimbursement for penalties and fees. A clear solution to manage my loan going forward. The option to payoff the mortgage in full. Compensation for the emotional distress, time, and effort I expended resolving these issues. Unresolved Situation : Despite my attempts, the situation remains unresolved. I couldn't payoff the loan the escrow account still shows an incorrect negative balance of more than XXXX. \n\nI am filing this complaint with the CFPB to seek assistance in resolving these issues and ensuring my rights as a borrower are protected.\n\nSee below ( from latest to first email chain with all the parties involved ), If you need more documentation I can also provide text messages related to this problem as well as a more detailed phone log.\n\n-- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX XXXX Cc : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Sent : Thursday, XX/XX/XXXX at XXXX XXXX XXXX  Subject : Re : ( XXXX ) Delinquent taxes due XX/XX/XXXX Hello XXXX, I'm really sick and tired of this no sense. Now I think you are bulling me. As mentioned before I want to payoff the loan. The level of stress this situation has caused me is beyond repair.\nI'm sure what you are requesting now is wrong since the loan has less than one year and insurance hasn't changed.\n\nPlease show records that you paid the taxes and solve the problem with the escrow account.\n\ni'll pay the net sum tomorrow if you want.\n\ni'll hold your company responsible for the interest charged since the day I requested the payoff, more than a week ago, to the day you provide the requested payoff with all the money returned to the escrow account.\n\nRegards, XXXX. \n\nOn Wednesday, XX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX wrote : Good afternoon XXXX, I received a response to the flood insurance policy provided by your homeowner 's association ( HOA ) which is below. The flood minimum required coverage amount is {$62000.00}. The HOA master policy coverage provided is {$48000.00}, so there is gap policy is to cover the\ndifference and the gap policy can only be removed if the condo association increases their coverage amount per unit or the borrower purchases a preferred policy for the difference in that amount which is {$14000.00}.\n\nFor additional assistance, please contact XXXX XXXX XXXX ( formerly XXXX XXXX XXXX XXXX ) at XXXX. Customer Service is available Monday through Friday from XXXX XXXX until XXXX XXXX MST. \n\nThank you for the opportunity to assist you, XXXX XXXX On XX/XX/XXXX XXXXXXXX XXXX XXXX wrote : Dear XXXX, XXXX and To Whomever It May Concern at XXXX, Thank you for your response. I appreciate your efforts to address the tax issue and your prompt communication.\n\nHowever, I must express my disagreement with the proposed solution for the escrow account. The purpose of requesting the payoff was to resolve these issues without further delay. The current situation, where the escrow account remains negative and unresolved, is causing me considerable stress and is highly inconvenient.\n\nAs per my initial communications with XXXX and XXXX, the issue is still not resolved. Your response indicates a continued delay without a clear and timely solution. This situation is unacceptable and has significantly impacted me both financially and emotionally.\n\nThe negative balance in the escrow account is due to XXXXXXXX XXXX mistake of paying the wrong parcel. Since this error is entirely the fault of XXXX, I find it unreasonable and unfair that I am not being reimbursed the total amount immediately. The purpose of the escrow account is to ensure timely payment of taxes and insurance, and this mistake has directly led to additional problems and stress for me.\n\nGiven the ongoing lack of resolution, I am left with no choice but to escalate this matter. I will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and will ensure that Amerihome, and all parties are also included in this complaint. I have tried to resolve this matter amicably, but the continued delays and lack of a satisfactory resolution have left me with no other option.\n\nFurthermore, I reserve the right to escalate this matter further, including seeking resolution through legal action if necessary.\n\nI strongly urge you to reconsider my request and to provide a more immediate and effective resolution to this issue, including the reimbursement of the total amount paid to the incorrect parcel and a discount on the loan payoff amount to account for the time, effort, and stress caused by this mismanagement. Please be aware that the time and stress I am experiencing continues to accumulate as this issue remains unresolved.\n\nPlease acknowledge receipt of this letter.\n\nThank you for your attention to this matter. \n\nBest regards, XXXX On Thursday, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  wrote : Good afternoon XXXX, Thank you for letting me know about the tax certificate being issued. The Tax team has been working to get the total amount due for your taxes including interest and penalties. I was able to get the tax certificate from the tax collector 's website and I have forwarded it to XXXX XXXX XXXX. \n\nI will order a payoff statement for you good through the end of XXXX. If your loan pays off before the tax payment is disbursed, then we will not be able to pay the delinquent taxes. Please be aware that your escrow balance is negative, so that will be included in the payoff calculation to bring the escrow balance to {$0.00}. When the tax refund is received for the tax payment made on the incorrect parcel, you will receive a refund check.\n\nPlease allow me to apologize for any frustration or\ninconvenience you may have experienced while attempting to address these concerns. We are diligently working to resolve your concerns and escalated the matter upon receipt of your initial communication with our team. We will continue to monitor until a resolution is provided. As it relates to compensation, we are unable to accomodate your request. \n\nThank you, XXXX XXXX On XX/XX/XXXX XXXX XXXX XXXX wrote : Dear XXXX, Thank you for your call on XX/XX/XXXX. I appreciate your efforts to understand and address the situation. \n\nWhile I acknowledge your recognition of the insurance issue, I must express my concern that the other problems remain unresolved. Despite your forwarding the information to XXXX, as stated in my previous communications, XXXX has been aware since XX/XX/XXXX that the taxes were not paid. On XX/XX/XXXX, they admitted to wrongfully paying a different parcel and committed to paying the correct parcel within 10 business days. As per my earlier email, I requested resolution within 48 hours, highlighting that more than 23 days had already elapsed. They still have not paid the taxes that should have been paid six months ago.\n\nUnfortunately, the attached images clearly show that the taxes remain unpaid and a tax certificate has been imposed on the property. Additionally, the amounts in the escrow account have not been corrected.\n\nAt this point, I no longer wish to deal with these problems. Please prepare a payoff for the loan so I can resolve this matter entirely. Given the ongoing issues and the considerable inconvenience caused by XXXX XXXX mismanagement, I am requesting a discount on the loan payoff amount. Based on my calculations, the time and effort, and the stress and inconvenience I have experienced total approximately {$8500.00}. Therefore, I am seeking a discount of {$8000.00} on the loan payoff amount to account for these impacts. Also, please ensure the escrow balance you reimburse me considers all the aspects I have previously mentioned to you. \nI hope you understand the severity of this situation and can accommodate this request. \n\nBest regards, XXXX On Tuesday, XX/XX/XXXX at XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX wrote : Good morning XXXX, Thakn you for taking the time to speak with me today. To summarize, I reviewed the insurance information on your account and it's all be updated, so the insurance information is current.\n\nRegarding the property taxes due in XX/XX/XXXX, the incorrect tax parcel was paid, XXXX XXXX XXXX ( XXXX ) is working to have the correct tax parcel paid and secure a refund for the incorrect tax parcel payment. \n\nI spoke with XXXX at the XXXX XXXX XXXX XXXX XXXX, phone number XXXX and she stated that the tax bills are sent out with the amount due in XXXX, so your tax bill was {$3100.00} and that if the customer makes the payment in XXXX, there is a 4 % discount, so {$120.00}, so if the taxes were paid in XXXX, the total due would've been {$3000.00}. I've forwarded this information to XXXX. \n\nWe acquired the servicing of your loan for the XX/XX/XXXX payment, so the previous lender, XXXX XXXX XXXX XXXX ( XXXX ) should have paid your taxes prior to the servicing transfer date. \n\nIn your email to XXXX, you had asked for proof that they transferred funds to XXXX. Please see your final Closing Disclosure with the Initial Escrow Payment at Closing which shows {$2700.00} was collected. Your first payment letter shows that the collection for property taxes and insurance is {$260.00} per month, so two payments were made to XXXX, escrow payment collected was {$520.00}. Add the {$520.00} to the escrow deposit of {$2700.00} brings your escrow balance to {$3300.00} which is reflected on the monthly statement dated XX/XX/XXXX. Please find these documents in the attachment section of this message ( not the links displayed in the body of the email ). The documents password protected and the password is XXXX, the x 's are the last XXXX digits of your Social Security number. \n\nPlease note that if you are viewing this email on an XXXX or XXXX, you will not be able to access the document. You will need to sign onto a laptop or desktop to access the document.\n\nIn order to remove your escrow account, please submit a letter that includes your loan number and property address which is dated and signed with your handwritten signature with your request to have your taxes, your insurance or that both items be removed from the escrow account collection. You may scan the letter and attach in pdf format in response to this email.\n\nIf you have any questions, please feel free to contact me.\n\nThank you for the opportunity to assist you, XXXX XXXX XXXX XXXX XXXX XXXX  Direct Line XXXX Toll Free XXXX extension XXXX Servicing Support AmeriHome Mortgage Company , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information contained in this message is proprietary and/or confidential. If you are not the intended recipient, please ( i ) delete the message and all copies, ( ii ) do not disclose, distribute or use the message in any manner, and ( iii ) notify the sender immediately. In addition, please be aware that any message addressed to our domain is subject to archiving and review by persons other than the intended recipient. AmeriHome Mortgage Company , LLC XXXX XXXX XXXX \n\n\nOn Tuesday, XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX wrote : Dear XXXX  and XXXX, I am writing to formally address several critical issues related to the servicing of my mortgage loan ( # XXXX ). The loan was originated by XXXX on XX/XX/XXXX and servicing was transferred to XXXX on XX/XX/XXXX. \n\nDelinquent Property Tax Payment : On XX/XX/XXXX, I received a concerning letter from the county stating that my property taxes were delinquent and could result in a lien if not paid by XX/XX/XXXX. I promptly contacted XXXX ( on XX/XX/XXXX ) to address this issue. During this communication, I also noticed a discrepancy in the property information and specifically requested verification of the parcel number. \n\nDespite contacting both XXXX and XXXX ( XX/XX/XXXX and XXXX ), the payment was not processed by the deadline. XXXX confirmed they had sent the necessary funds to XXXX for the tax payment. Additionally, on XX/XX/XXXX, I requested XXXX  to contact their legal department and provide me with a copy of the documentation showing the transfer of funds to XXXX, but this request was not fulfilled. \n\nIncorrect Payment and Excess Withdrawal : On XX/XX/XXXX, I accessed my XXXX  loan account online and discovered an unauthorized withdrawal of {$7100.00} on XX/XX/XXXX. This amount significantly exceeds the actual property tax amount of {$3600.00}. Furthermore, XXXX XXXX records still indicate the property tax as unpaid. \n\nWhen I contacted XXXX on XX/XX/XXXX, they acknowledged the error and stated it would take 10 business days to rectify the situation. This delay is unacceptable, considering the previous mismanagement and the potential consequences of the outstanding tax payment.\n\nMissing Insurance Documents : XXXX is currently requesting insurance documents for the property. These documents should have been transferred from XXXX during the loan servicing handover, as the loan is less than a year old. XXXX was originally responsible for maintaining these documents.\n\nLate Payment Interest on Property Tax : The late payment of the property tax in XX/XX/XXXX resulted in a penalty of 5 %. Since the responsibility of paying the taxes on time falls on the escrow account owner, I request reimbursement for this late payment penalty.\n\nUnresponsive Supervisor : On XX/XX/XXXX, the XXXX agent I spoke with informed me that a supervisor would contact me within 24-48 hours. As of today 's date ( XX/XX/XXXX ), I have not received any communication from a supervisor. The agent also provided an email address for XXXX  claims ( XXXX ), which she verified was correct, I hope it is. \n\nRequest for Resolution : The repeated errors and delays have caused significant stress and wasted time. To rectify this situation, I demand the following : Immediate payment of the correct property tax amount ( {$3600.00} ) to the county.\n\nFull refund of the excess amount withdrawn from my escrow account.\n\nClear explanation for the initial delay, the incorrect payment, and the lack of communication from a supervisor.\n\nConfirmation that the outstanding property tax is now settled and will not result in any penalties or liens.\n\nTransfer of all necessary loan documents, including insurance documentation, from XXXX to XXXX. \nAcknowledgement that XXXX have the Insurance documentation.\n\nReimbursement for the 5 % incurred due to the late payment of the XXXX property tax plus any other fines or fees or other things that were imposed or might be imposed due to the lack of payment in XXXX. \nOption to remove my escrow account and manage property tax payments myself.\n\nIf I do not receive a satisfactory resolution within 48 hours, I will be forced to file a complaint with the Consumer Financial Protection Bureau ( CFPB ). I will also consider pursuing legal action to recover any damages caused by this mismanagement.\n\nThank you for your prompt attention to this urgent matter.\n\nSincerely, -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX at XXXX PM XXXX Subject : RE : XXXX | Servicing Transfer Problem with Property tax payment Hello XXXX XXXX , Amerihome/XXXX  ha\n\ns advised yesterday that they are correcting the issues with your property taxes and an email was sent to you as well. You confirmed your communication with the servicer today via text message. In addition, you stated in your text message that Amerihome/XXXX  is requesting proof of your insurance. \n\n\n\nOn your behalf, we provided Amerihome/XXXX  with the attached insurance policy. If your insurance has changed, please let us know so we can help get this information to Amerihome/XXXX. \n\n\n\nFurther, we attempted to call you on the phone numbers of record to no avail. \n\n\n\nIf you have any questions, please contact me at XXXX. \n\n\n\nThanks XXXX XXXX XXXX Compliance Specialist img [ XXXX ] * Email : XXXX ( Office : XXXX WIRE FRAUD WARNING : Never trust wiring instructions sent by unsecure email. Cyber criminals are known to hack email accounts and send emails with fake wiring instructions. These emails are convincing and sophisticated. ALWAYS confirm wiring instructions in person or by telephone using a trusted and verified phone number. NEVER wire money without confirming that the wiring instructions are correct and are from the title/closing agent. If you are in doubt, call your loan officer or real estate agent immediately. \n\nFrom : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX : XXXX XXXX XXXX Subject : XXXX | Servicing Transfer Problem with Property tax payment Good afternoon, XXXX XXXX, XXXX has communicated your concern to Amerihome and requested immediate outreach to you regarding the property tax issue. \n\n\n\nXXXX will continue to monitor the situation through resolution. \n\n\n\nThank you! \n\n\n\n\n\nFrom : XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX ; Servicing XXXX ; Servicing XXXX Cc : Servicing XXXX ; XXXX XXXX XXXX Subject : [ XXXX ] Re : XXXX | Servicing Transfer Problem with Property tax payment This email originated from outside XXXX. \n\n\n\nHello XXXX, I've sent a couple of messages today, I'm sending them also via email, just in case you are not getting them.\n\nPlease see the attached images.\n\nCan you understand what is going on? In my account it seems like they have paid ( see first image ) XXXX that is almost double what they should have paid. The other problem is the site is not showing that they have paid a penny ( see second image above ). Since I don't have the information about the person you talked to, please contact him/her you talked to to see what is going on and let me know.\n\nI'm considering reporting this gross mismanagement to the CFPB. I still don't understand why this wasn't paid directly when the closing agent disbursed the funds. Also, I don't understand why it wasn't paid as soon as XXXX received the money from you.\n\nPlease solve the problem and make sure they credited my account with the appropriate amount to also shown the discount that I should have been granted if taxes were paid on time as it is they duty of the escrow account owner.\n\nI appreciate a prompt response and if you can't, please forward this message and CC me to an email on XXXX  that can be shared with a customer. \n\n\n\nThank you, XXXX. \n\n\n\n\n\nOn Friday, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX wrote : Hello XXXX : As per our recent call and text messages exchanges, I'd like to formally request the following : 1. I'd like to know why the property tax payment was not made by XXXX on the month of XXXX as you have the money directly from escrow to make the payment.\n\n2. I understand you transfer the money when you transfer the loan on XXXX to XXXX XXXX XXXX. Please confirm. \n\n\n\n3. I understand you spoke to someone in XXXX XXXX XXXX that confirm that they have received your money to pay and that they will be paying this. Please provide a name, email and phone number in case I'd like to contact him.\n\n4. I understand this person told you that XXXX XXXX XXXX  will make the payment. Please confirm. \n\n\n\n5. I made clear to you that i want to be reimbursed on my escrow account for the money we have to overpay due to the fact that the property tax payment was not made in XXXX as it should have. \n\n\n\nHaving said all this I'd like to thank you for your help on this matter so far. I understand it is very difficult to get in contact with XXXX XXXX XXXX since they have a horrible customer service.\n\nPlease send me the requested information ASAP so I can have that for my records and to show to the appropriate authorities to avoid any further complications. \n\n\n\nThank you, XXXX. \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nXXXX XXXX AmeriHome Mortgage Company , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information contained in this message is proprietary and/or confidential. If you are not the intended recipient, please ( i ) delete the message and all copies, ( ii ) do not disclose, distribute or use the message in any manner, and ( iii ) notify the sender immediately. In addition, please be aware that any message addressed to our domain is subject to archiving and review by persons other than the intended recipient. AmeriHome Mortgage Company , LLC XXXX XXXX XXXX \n\n\nServicing Support AmeriHome Mortgage Company , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information contained in this message is proprietary and/or confidential. If you are not the intended recipient, please ( i ) delete the message and all copies, ( ii ) do not disclose, distribute or use the message in any manner, and ( iii ) notify the sender immediately. In addition, please be aware that any message addressed to our domain is subject to archiving and review by persons other than the intended recipient. AmeriHome Mortgage Company , LLC XXXXXXXX XXXX XXXX.","date_sent_to_company":"2024-06-27T15:25:15.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"9363938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AmeriHome Mortgage Company, LLC","date_received":"2024-06-27T14:18:27.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["<em>Please</em> find these documents in the <em>attachment</em> section of this message ( not the links <em>displayed</em> in the body of the email ). The documents password protected and the password is XXXX, the x 's are the last XXXX digits of your Social Security number. \n\n<em>Please</em> note that if you are viewing this email on an XXXX or XXXX, you will not be able to access the document. You will need to <em>sign</em> onto a laptop or desktop to access the document."]},"sort":[4.6733346,"9363938"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":17,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":17}]}},"product":{"doc_count":17,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":4}]}},{"key":"Mortgage","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":3},{"key":"VA mortgage","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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