{"took":123,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":6,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10997257","_score":19.395235,"_source":{"product":"Checking or savings account","complaint_what_happened":"I filed for bankruptcy on XX/XX/year> and my attorney notified the bank, this Bank, of my recent bankruptcy filing at the Federal Bankruptcy Court at the XXXX XXXX XXXX XXXX When I went in to try to open the bank account up at the local branch in XXXX XXXX California, my attempt failed and the reason was for previous debts owed to the bank as the computer stated. Despite the fact that I filed for a US bankruptcy protection it seemed as if the bank did not properly update their system to reflect my recent bankruptcy filing thus eliminating any debt owed to the bank up until XX/XX/year>. I then proceeded to call the bankruptcy department at the bank to find out why I was still showing those debts in their system owed to the bank even after I have filed for bankruptcy. I was told by the bank that even though I am not legally liable for these past debts to the bank, the bank still will reflect any charged off or owed balances with or without protection of the bankruptcy court. So I said well that does not sound correct to me because filing bankruptcy is to allow us consumers to have a second chance to be able to start over with the new account and a fresh start. I then told the bankruptcy representative that at minimum you should input into the system to reflect I have no owed debt legally to the bank or XXXX balances and that any or all of my accounts that were encompassed by my recent bankruptcy filing should state that it is indeed under bankruptcy status. He said that it does show that it's under bankruptcy status but when I went to open the account it shows five accounts with owed balances and nothing that states that it was under any kind of bankruptcy protection on the consumer end at the computer that the branch has to make available for us to see and to run our application when we step in there. If it was properly inputted into the system so that the bank can see this then we wouldn't run into this problem at all. However, it does not reflect my bankruptcy status, so I get declined each and every time I try to open a new account. The bank rep also stated to me that even though I get declined by the system, if the branch wants to override the system, the branch manager may do so at his discretion. Well, the branch manager at the XXXX XXXX XXXX agreed to allow me to open up my new account however, when he went to try and override the system, it has a drop-down box which only had one option for him to select, and that option was, that my debts o the bank have been paid off, that was the only way that the system was going to allow the branch manager to override and allow me to open my account. With that being said, the branch manager was not going to state that I paid off any of these debts because I did not. And I should not because I can not. Because of my bankruptcy status. That would be unfair to the other people that I owe money to that's in bankruptcy status and I can't be selective in who I pay off and who I don't. that's up to the court, the bankruptcy court, to decide and not for me or the bank to make that decision for the US bankruptcy federal government trustee. So for the bank to only allow that option for the branch manager to select does us no good whatsoever because that would mean that the branch manager would have to lie if he was to click on that option and select that and he was not going to do it nor would I allow him to do that because that's not the case at all. The System needs to be re-done with additional options for a branch manager to make the override f the bank indeed allows the manager to do so. and from what I was told by several different Representatives yes that is available for the branch manager to do at their discretion. However that would be a lie for him to have to only select that one option that I paid off my debt while in bankruptcy status which everybody knows that that is not right that's actually illegal and I can not just do that because the bank wants their money back. That's being selfish by the bank and that's them wanting me to single them out on top of that. \ncurrently under the automatic stay and bankruptcy protection of the Court. my complaint is based on this and this alone. Fix your system properly to reflect my bankruptcy status so I don't run into a denial showing that I owe the bank money when the bank knows darn well that I can not pay the debt after I filed for bankruptcy because that would be in violation of sub bankruptcy laws, regulations and code, and I am not prepared to break the law just to pay the bank when they should know better than to even request this from us in the first place.","date_sent_to_company":"2024-12-03T08:04:27.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"95762","tags":null,"has_narrative":true,"complaint_id":"10997257","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2024-12-03T07:09:30.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["I was told by the bank that even though I am not legally liable for these past debts to the bank, the bank still will reflect any charged off or owed balances with or without protection of the bankruptcy court. So I said well that does not sound correct to me because filing bankruptcy is to allow us consumers to have a second chance to be able to start over with the new account and a fresh start."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[19.395235,"10997257"]},{"_index":"complaint-public-v1","_id":"4012724","_score":10.919678,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"In 2016, I purchased a vehicle from a car dealer who used Regional Acceptance to finance the transaction. The loan was for {$34000.00} for a brand new XXXX XXXX XXXX. Also, I had less than perfect credit which explains the subprime lender, Regional Acceptance who financed my car loan for a whooping 22 % APR. I was given the promise that if I pay the vehicle for six months, on time, I will be easily refinanced by XXXX because they will see that I made the payments and established a XXXX relationship. The salesman agreed that the monthly payments ( {$830.00} ) were astronomical, and this was the necessary plan. I made my payments on time each month for six months before I inquired about refinancing with XXXX, I went to the same dealership. I was flat out denied and told that I could not seek any refinancing because my car loan was upside down in the amount of {$10000.00}. I asked how could my vehicle be upside down for that amount when it was purchased brand new, six months prior and I was told explicitly that I was given the full amount of value for the car I was trading in ; therefore, I was making a purchase for the new vehicle alone. Apparently, this was not the case and Regional Acceptance was well aware, I went over my sale contract with a fine tooth comb just as when I signed it, I did not see any details noting that {$10000.00} was being added into the new vehicle. In fact, the contract detailed all the fee items and the cost, no where stating an inclusion of {$10000.00}. After paying on this vehicle for two years, the principle balance did not go down, I was stressed with the payment each month because it was equivalent to a mortgage payment. I could not find suitable housing because I was exhausting my debt to income ratio, I could not get refinanced because my XXXX scored suffered from debt to income ratio even more, and no one would refinance the amount I continued to owe on the loan. I was not in the position to work extra hours because my job does not allow it, and when I tried to get a second job it provided additional money for gas and tolls, nothing close to providing additional income to pay down this loan. Regional Acceptance would not refinance the terms, although I begged and pleaded with them to help. They just told me to keep paying. I was so stressed I couldnt sleep, I couldnt think straight, I started to fall into despair because I was trying to make ends meet and still pay the car loan, because if I didnt I would be flooded with collection calls, and an even worst credit report/score, I had no sign of relief. I was so desperate, despite the upside down, I went to other dealers who laughed in my face once they saw the details of my dilemma while some had such a look of pity that I had been taken advantage of and there was nothing they or I could do in this situation. The only remedy I was ever provided was to come up with a {$10000.00} minimum or {$12000.00} down payment to allow me to apply for another car without the negative equity. I have yet to mention, that I am a single mother of three children, living in a metro area of New Jersey. I was severely depressed at this point that I called Regional Acceptance and told them that I wanted to voluntarily surrender the vehicle. I made several phone calls and each one, the representative tried to get me to a apply for an extension instead ; I advised them that I am aware if I do that then I will just be adding onto my current bill in finance charges further putting me into a debt that is already egregious. I also stated that if they would seek to help me than explain to me how they were able to include {$10000.00} into my new car loan without providing any statement of fact or details in the contract, as well as refinance options since I have been a customer for some time and they have been receiving payment. They refused to provide explanation or help but continued to advise me to apply for an extension. I immediately advised them to prepare for my voluntary surrender and to process it in a timely manner as I had already made my monthly payment and did not want them to try and start reporting me as delinquent. I arranged for them to pick up the vehicle and asked that they provide me a written statement stating that I am voluntarily surrendering, I was advised that it doesnt matter because it will still be negative on my credit report. I felt as though they were using tactics to keep me bind in their services. I asked if I could transport the car to the designation to not incur the additional {$900.00} transport fee but they told me I can not and said someone will be in touch. I got a call a few days later from an individual who advised me that I can just leave the keys in the mailbox of my home. I stated that this does not feel secure and Id like to be present to ensure the vehicle is picked up and receive the companys information as well as my letter from Regional Acceptance. The individual told me that Regional Acceptance did not provide any letters and I advised that no one would be able to pick up the vehicle without acknowledgement of receipt that expressly states that it is a voluntary surrender. Another day passed, and the individual stated that he asked for the paperwork from Reg. Accept. and we made arrangements for the vehicle to be picked up by his company. Literally, one week passed and I received two letters within days apart, ( 1 ) telling me they intend to sell the vehicle at an auction, ( 2 ) they sold the vehicle for {$11.00}, XXXX. The second letter detailed that minus the sell of the vehicle, I now owe them a whooping {$23000.00}. I then received phone calls from a collection company, the manager of my account, Ill never forget because he insisted that I make a payment for more than I could afford, at this time I was drowning in my debt from trying to ensure that the car was paid when it was in my possession and paying minimum to other creditors. The manger told me and I quote I was a fool to believe that my little $ XXXX/m payment was anything and I was even more foolish for asking for any bills or letter detailing this arrangement. I sent a certified letter to Regional Acceptance letting them know what was said to me and how I was being treated and they never responded, I called them as well and there was nothing they could do. I asked if I could pay them directly to avoid this verbal abuse every time the manager calls me about the account and they said I had to work with him they do not have my account. Within this time, another collection company called me about the account. I immediately told Regional that two companies are calling me non stop about this same account and they just blew me off. Time has passed ( four years ) and I contacted Regional Acceptance about my account as no one was providing where the account was held but they are the ones reporting each month on my credit reports. Again I asked if I could pay them directly and they gave me a number to call a collection agency which didnt answer the phone, when I advised of that they just told me to keep calling the collection company. More time passed, and Im in year five of holding this blemished account. I was now in a worst position than before because the home I was renting in, was facing foreclosure so I had to leave in short notice. Yet, again, I was denied apartments or mortgages because of this looming account of {$23000.00} from Regional Acceptance. I spent all those years cleaning up my credit, paying down debt, paid off debt, paid accounts on time, and joined government and private programs to help me secure a home through financial budgeting and planning strategies ; everyone once again told me the car loan was a problem for my debt to income ratio. I made a final attempt to contact Regional Acceptance and asked for an IRS form to write off the amount of the debt and be responsible for paying the taxes, they refused my request stating that my account was ineligible for the form because an account has to be with six collection agencies before they could send me the letter. I know this information is untrue, they have been avoiding me for years despite my numerous attempts to rectify this debt. Since, I was now facing a possible homeless situation I had no choice but to file bankruptcy just to get rid of the debt from Regional Acceptance. This was the only way that I could even attempt to apply for another apartment. However, after five years of battling this financial dilemma, filing bankruptcy has caused me to turn in every account and vehicle I had in good standing and I am forced to deal with not a voluntary repossession but a tarnished credit profile for an additional ten years due to the bankruptcy. Regional Acceptance is not just a subprime lender but their practice of providing loans at the expense of the consumers hardship is rather malicious and predatory behavior. They are not allowing an individual a chance to rebuild their credit while acquiring a vehicle, they are providing unaffordable, unfair loans to consumers that are at a high risk of defaulting with the slightest change in their finances. In my case, the loan to car value was clearly high to this bank and the car dealership. The amount of my monthly car payment was extremely high compared to my monthly income, the interest rate of 22 % was excessive, and the constant advisement of applying for an extension which places fees on the backend of the loan is detrimental to the consumer but highly profitable for the bank. In this way, Regional Acceptance should be investigated for their unscrupulous practices and lending. As a consumer I understand my part in being more knowledgable, at least now I do, but there is a difference between being informed and asking tons of questions, which I did, but the consumer is not behind the scenes with the salesman talking as one with the bank, giving consent to deal with certain banks and not others, we the consumer sit in a dealership for hours on end waiting for a response that usually is a back and forth as if we are truly negotiating, unbeknownst to the consumer you are not a part of the real negotiations behind the veil. Your only power is when you walk into a dealership with money in hand. I learned that the hard way, but no one should have to be taken advantage of, this is not a scrape on the knee it is a precursor to ones financial ruin because the lasting affects are truly damaging to ones ability to move forward in so many areas of their life.","date_sent_to_company":"2020-12-15T20:16:40.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"08854","tags":null,"has_narrative":true,"complaint_id":"4012724","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2020-12-15T20:01:05.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Denied request to lower payments"},"highlight":{"complaint_what_happened":["They are not allowing an individual a chance to rebuild their credit while acquiring a vehicle, they are providing unaffordable, unfair loans to consumers that are at a high risk of defaulting with the slightest change in their finances. In my case, the loan to car value was clearly high to this bank and the car dealership."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[10.919678,"4012724"]},{"_index":"complaint-public-v1","_id":"2656792","_score":6.074652,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I purchased a home in XXXX of XXXX. I found the home on XXXX and was recommended SXXXX XXXX XXXX XXXXy ( XXXX ) as a lending company for my mortgage. The loan officer that handled my purchase was XXXX XXXX. He worked for XXXX and the process of purchasing the home went fairly well. A couple weeks after I closed on my home, XXXX XXXX invited me to a celebratory lunch. This was the first home I have ever purchased and thought that it was a common thing. About 20 minutes into getting to the restaurant, XXXX XXXX presented to me an opportunity that he had received from XXXX to be the primary lender for XXXX XXXX and in order for him to get this contract it would cost him {$160000.00} up front and it was for 18 months. After having complete access to my financials under the employment of XXXX, he knew that I had what I consider quite a bit of money saved up and asked that I loan him the {$160000.00} to get the contract. He presented an email to me with correspondence going back and forth between him and XXXX, which turned out to be fabricated by XXXX, talking about the contract to be the premier lender for XXXX XXXX, the cost, and the deadline for it to be paid. Being a consumer, not a lender nor having ever lending money in the past, I obviously fell right into his trap and ended up loaning him {$100000.00} with the agreement of him paying me back {$120000.00} that he would receive from his father taking out a cash loan on his home. This was to be paid back on XXXX XXXX, XXXX. There was 2 additional options laid out in our contract to pay me back. The 2nd option was to sell his home, which I came to find out after the fact that he never owned the home, and the 3rd option was he would pay me {$10000.00} a month for 15 months until of {$150000.00} was paid in full. If having to go the route of monthly payments, the agreement was the balance due back to me would be {$150000.00}. He also gave me the title to his XXXX XXXX. As XXXX got closer, the stories began. I have all the conversations documented and saved due to communicating via text mostly. Please forgive me for including too much information as I just want to make sure I am as descriptive as possible and include all the details and facts that I have On XXXX XXXX 2016 a XXXX XXXX stated that the appraiser of his Dads home put a footnote in his appraisal that the home could have structural foundation issues but that he ( the appraiser ) was not qualified to make that assessment and so the underwriter said that XXXX and his Dad would need to get a structural engineer out to the house evaluate the foundation. The transaction could not be funded until the engineer gave a thumbs up. XXXX stated that he thought he could get an engineer out there within 48 72 hours and once it was resolved they would close and he could pay me back. He stated he would know more in 48 hours. \n\nOn XXXX XXXX 2016 at XXXX XXXX I texted XXXX asking if he had any update from the XXXX. XXXX responded to me at XXXXXXXX XXXX stating that the engineer was going to be out at the house the next morning XXXX XXXX XXXX ) at XXXXXXXX XXXX to complete his on-site review and then he would prepare his assessment statement which was a formal write-up of his findings. XXXX stated that he had been through 2 3 of situations in the past and usually could get at least an idea from the engineer if he was going to give the all clear or if hes going to assess that something needed to be fixed. XXXX stated that he would either say its completely fine or that there was a small foundation issue that needs to be addressed and his father would need to get that taken care of before the engineer could sign off on it. XXXX stated that if anything needed to be fixed, he could get bids very quickly. I responded to him asking if there was any concerns with his father being able to get it fixed if there happened to be a problem. He responded saying that he only potential bump he could foresee is if the repair cost more than what his dad had access to. The repairs had to be done before the closing. He stated that, one way or another Im getting this money back to you this wouldnt have been an issue before the government became so regulatory and compliance crazy, more to come soon.. \n\nOn XXXX XXXXXXXX XXXX at XXXX XXXX texted me stating that he was switching car insurance companies and asked if there was any way I could scan a copy of his title to show the new company that he wanted to switch over to. The company just needed to see the previous owner and the mileage when he bought it. I stated at that time that I would send him a copy, but after thinking about it more, I decided not to as I felt it was not good for me in my position to had him back a copy of the title. \n*This was the last time any conversations came up about him needing the title. I also find out later down the road that I was not the only one he had given a copy of his title out to. * On XXXX XXXXXXXX XXXX at XXXX I texted XXXX asking how the meeting went with the engineer. He responded at XXXX he had such a rough day, had attended 2 funerals so obviously didnt have a lot of free time and was out of the office most of the day. He stated that he waited around for 45 minutes for the engineer to show up and he never did. He then stated at XXXXXXXX XXXX the engineers office returned his call that he made earlier in the day when the engineer didnt show up stating that the engineer had a XXXX XXXX and was unable to do the inspection. He was going to reschedule it for Sunday the XXXX or Monday the XXXX depending on how nauseous he felt on the XXXX. \n\nOn XXXX XXXX at XXXXXXXX XXXX XXXX texted me stating that he talked to the engineer and he assured XXXX he would be out there on Tuesday the XXXX at XXXXXXXX XXXX and he was going to meet him there. \n\nOn Wednesday the XXXX at XXXXXXXX XXXX I texted XXXX asking how the meeting went on the XXXX. He immediately responded stating that it went good but someone had just hit his car and he would write back in a bit *This also turned out to be a lieXXXX Later that day at XXXXXXXX XXXX I texted XXXX asking if he had a minute to give me an update on how the meeting went. I was looking to buy a car and wanted plan out my financial situation before doing so I was I was starting to rely on these funds that he owed me. He responded stating that he met with the engineer and did measurements and said that there was a slight drop in the pier and beam foundation in the middle of the house. The engineer stated that it was enough of a drop that it needed to be addressed and was going to recommend 2 companies to him so they could go out and give quotes for the work and stated they worked very quickly. XXXX said he was going to try to set those up for the weekend coming up. He stated that as long as the quotes werent horrendously expensive, everything would be fine. He was going to set them up to be there that weekend and also be prepared to do the work at that time as well. He stated that assuming the work could be completed at that time, the funds would be available around the XXXX XXXX of XXXX and he would let me know as soon as he got another update. \n\nOn Monday XXXX XXXX at XXXX XXXX XXXX texted me stating that the foundation companies were swamped because of all the business in XXXX Texas but the second company assured him that they would be out on the morning of Friday the XXXX. As long as it wasnt a really big job, they can have it completed by the end of day Saturday. \n\nOn Monday XXXX XXXX at XXXX pm XXXX texted me after I called him for an update. He said that he couldnt talk on the phone as he was at his daughters marching band competition. He stated that the company went out on Friday and their estimate took 3 hours and ultimately came back with a quote of {$23000.00} which blew him out of the water. He said he was having a second company come out on Thursday XXXX and if their quote came in around the same, he had already asked his dad if he could try and get a separate loan from the bank just for the {$23000.00} to cover the repair. He stated that due to it dragging out, he suggests that he start paying me back monthly while waiting for it to clear up. I responded stating that I agreed with making monthly payments and asked if he would like me to pick up a check from him. \n\nOn XXXX XXXX at XXXXXXXX XXXX XXXX stated that the bank wanted his dad to finish up his XXXX business tax return first so he was going to get with his CPA. His first payday from the XXXX accounts he acquired from the contract were beginning to close was at the end of XXXX but his XXXX was in an XXXX and developed a XXXX XXXX in XXXX XXXX so now she was in XXXX XXXX and not able to march in the band ( which is what she was on scholarship for ) so he had to pay 50 % of the remaining tuition because the school ( XXXX ) was expecting that she would lose her scholarship due to not being able to march and play her French horn in the band until physical therapy made more headway. He stated that his next big pay day would be on XXXX the XXXX and he could definitely give me a check then. \n*again, all this was a lie. His daughter was never in an accident. * On Tuesday XXXX the XXXX at XXXXXXXX XXXX I texted XXXX asking if there was an update on his dad getting the loan for the foundation repair. He stated that his dad had spoken with his CPA and he would try to have it finished up by the end of the week. He stated that he thought a week from that coming Friday he should have the loan in place for the repairs. \nOn Tuesday XXXX the XXXX at XXXXXXXX XXXX I texted XXXX asking if his dads CPA was able to get his return wrapped up. He responded saying yes and just needed to follow up with his Dad on an updated timeline. \n\nOn Thursday XXXX the XXXX at XXXXXXXX XXXX XXXX texted stating that the CPA was finished and they were getting the paperwork over to the bank. \n\nOn Friday XXXX the XXXX at XXXXXXXX XXXX I texted XXXX at XXXXXXXX XXXX asking if there was an update. And he responded saying he was working a triple back to back closing and would get back with me. \nOn Monday XXXX the XXXX I hadnt heard back from him so I texted him at XXXX XXXX asking for an update and he stated that he had one but was trick or treating and would contact me the next day. \nOn Thursday XXXX the XXXX I had not heard back from him so at XXXXXXXX XXXX I texted him asking if we were going to move forward on making a monthly payment the next day. XXXX responded saying that the bank and lent his father the funds needed to make the repairs and that had begun. The repairs were tentatively scheduled to be completed on Friday the 4th. He stated that he would be able to pay me back in full on Monday the XXXX at the latest. He stated that prior to the bank loaning the money he had given the foundation company {$12000.00} to get them started so asked if we could wait until the XXXX to pay in full because he gave the foundation company the money he had set aside for me thinking that it would be better to just pay back in full. \n\nOn Wednesday XXXX the XXXX at XXXXXXXX XXXX XXXX texted me stating that the repairs took longer than expected and they didnt finish up until the XXXX, pushing back the final payoff to XXXX the XXXX. \nOn Saturday XXXX the XXXX at XXXXXXXX XXXX I texted XXXX asking if the CD went out on the XXXX as anticipated. He responded on the XXXX stating that his dad has a XXXX and they did not release the CD as they were waiting to see if his dad was actually going to live or if he could sign competently for himself. He stated it all happened on Saturday XXXX the XXXX. He stated that his dad should be released from the hospital the next day. Due to the circumstances and not knowing how long it would take to sort it out, he asked that we look at doing the monthly payments again. \n*This was also a lie, his dad never had a XXXX. I know this because I confronted his Dad at his Shoe store in XXXX XXXX. * On Tuesday XXXX the XXXX at XXXXXXXX XXXXXXXX texted saying that he could meet me on Thursday. On the XXXX he texted me saying that his dad was being rushed to the hospital and he may have had a relapse. \nOn Tuesday XXXX the XXXX at XXXX after not hearing from XXXX since the XXXX, I texted him asking how things were going and if he had the check ready for me. He stated that he knew he owed me a check and he would like to get it to me so we agreed to meet on Monday the XXXX. \nOn Sunday XXXX the XXXX at XXXX XXXX XXXX texted me stating that his wife and XXXX kids were sick and needed to take them to the doctor on Monday the XXXX which is when we were supposed to meet so he could give me a check. He asked if he could just overnight it and I agreed. \nOn Thursday XXXX XXXX at XXXXXXXX XXXX I hadnt received the check yet so I texted XXXX asking if it was sent. He stated that he would have his assistant get the check out to me on Friday the XXXX. \nOn Thursday XXXX the XXXX I still hadnt received a check and texted XXXX requesting that we meet and discuss the situation in person to figure out what needed to be done to get back on track. This was now going on 3 months past the date he was supposed to pay me back in full and neither of the other 2 options had started. He responded stating that he was in XXXX because his XXXX XXXX had XXXX and XXXX XXXX XXXX so asked that we meet on Tuesday the XXXX. \nI didnt hear from XXXX so I texted him on Wednesday XXXX the XXXX asking what his day looked like the following day. We met on the XXXX and re-wrote our contract laying out what the monthly plans would be. Since it was now determined that monthly payments were going to be made, the total payback to me was going to be {$150000.00}. The first payment was to be made on Friday XXXX the XXXX. \nOn Thursday XXXX XXXX at XXXX XXXX XXXX texted me stating that there was a payroll change with his company and instead of being paid via direct deposit, he was now getting a live check and asked that the payment be made to me on Monday the XXXX. He texted me on Friday the XXXX stating that he had the check was going to the bank to deposit it. \nOn Tuesday the XXXX at XXXXXXXX XXXX I texted XXXX asking if the wire was going to happen that day and he responded stating that the bank wanted to put a 7 day hold on his check due to the size. On Wednesday the XXXX he wired me {$3000.00}. The next payment was due on XXXX the XXXX XXXX Monday XXXX the XXXX at XXXX am XXXX texted me stating that it was a federal holiday so his paycheck would not his bank until the XXXX. He stated that he was notified that his step daughters father did not pay his portion of her spring tuition and asked that he pay me the {$5000.00} payment he owed on the XXXX or XXXX when he got his tax return. I pushed back on this and he suddenly remembered that he was getting his bonus on his paycheck and would have the funds. On Tuesday the XXXX he deposited {$5000.00} into my bank account. \nOn Monday XXXX XXXX at XXXX XXXX I texted XXXX because I had not received the wire for his monthly payment. He responded saying that he sent the wire and he had the confirmation number at his office and would send me a copy of it the next morning. He stated that he sent it pretty late so he wondered if that is why it didnt post. \nOn Tuesday XXXX the XXXX I sent him a message at XXXX XXXX after not receiving the confirmation number from him nor the wire. He responded stating that he received an email from his bank stating that was pending bouncing back. He suggested that maybe he transposed one of my account numbers, but he was going to go to the bank on the morning of the XXXX and get it sorted out. \nOn Wednesday XXXX the XXXX XXXX sent me a message asking that I call him. On the phone, he stated that he decided to leave his company for a better opportunity and asked that I give him an extension on his payment. \n\nThis is when the truth really started to come out. I received an email from XXXX ( at that time, his previous employer ) notifying me that he was no longer with the company. Because of my uncertainty due to all the events of our agreement I asked if XXXX left on his own terms of if he was terminated. The response I got at that time was all they could say is he was no longer with the company and not eligible for rehire. I later found out from XXXX that he was let go due to a loan shark walking into the office with a XXXX on his hip confronting XXXX about the $ XXXX he owed him as well. At this time, I also found out that the premier lender XXXX contract was fabricated by XXXX, the loan that his father was apparently taking out on his home was a lie, and just about everything else XXXX stated throughout our conversation was a lie. At that time I told XXXX that he had 30 days to pay me back in full. He technically owed me {$140000.00} per our agreement of him paying me back {$150000.00} minus the {$8000.00} he had already paid. However, I was mainly just concerned about the money I had physically gave him and was only concerned about being paid back the {$92000.00} he owed. I was obviously not happy about this, however based on what I was finding out, I figured I had a better chance of getting back the {$92000.00} rather than {$140000.00}. And then on XXXX the XXXX XXXX texted me saying he filled bankruptcy and could no longer talk to me and has ignored me since. Since then I have met with his father to try and work something out, however to no surprise of mine, his father is the one bailing him out and allowing XXXX to live with him as he was no longer able to pay his rent. \n\nI am XXXX years old and have worked tremendously hard to save up what I had saved and has caused tremendous turmoil for my life. Purchasing my first home was very exciting for me ( or was supposed to be an exciting moment ) and has turned out to be the worst experience of my life due to XXXX and XXXX XXXX. XXXX XXXX was a loan office employed by XXXX who gave him complete access to my personal financial situation which he then leveraged to his advantage and preyed upon me. I would like you to realize and consider that it was only because I did a home mortgage through XXXX that allowed XXXX XXXX to have access to me. I have never lent money out before and was never associated with XXXX XXXX prior to meeting him through XXXX I strongly feel that XXXX should be held responsible for his actions and held accountable when it comes to paying me back since he was employed and empowered by them to have access to my financial situation, just like any other employer being ultimately responsible for their employees actions when gaining personal and private information. I was / am a consumer and I trusted XXXX and hence XXXX XXXX as I felt he was representing them. \nWhen reading your motto which I would assume to be your mission / value statement, Were on your side We are the Consumer Financial Protection Bureau, a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. \nI feel like you are my last resort to see resolution in this matter, and I hope and pray that you take my complaint seriously. I am willing to provide you all the documentation I have. I would really just like this to go away and be able to move on with my life and put this horrible experience past me, although I do not feel like I will ever feel the same after this experience. I dont even want my home anymore simply due to having to do business with XXXX / the whole experience in general and currently have it on the market to sell, not even owning it for a year and knowing that I will lose more money selling it so soon. My stomach turns every time I walk into my OWN home and cant bear to be there anymore it is a terrible feeling to not even want to be in your own home, the first home you purchase. I truly look forward to hearing back from someone who could possibly help.","date_sent_to_company":"2017-09-01T21:24:30.000Z","issue":"Struggling to pay your loan","sub_product":"Personal line of credit","zip_code":"76013","tags":null,"has_narrative":true,"complaint_id":"2656792","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Security National Financial Corp","date_received":"2017-09-01T21:08:06.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I would like you to realize and consider that it was only because I did a home mortgage through XXXX that allowed XXXX XXXX to have access to me."]},"sort":[6.074652,"2656792"]},{"_index":"complaint-public-v1","_id":"2495835","_score":4.949568,"_source":{"product":"Debt collection","complaint_what_happened":"While it would probably be easier to reference which FCRA laws have not been violated, here is my story and plea for CFPB involvement.\nThis is a complaint, to enforce my rights in accordance with the FCRA, encompassing a multitude of ongoing fraudulent, deceptive and unfair practices pertaining to a XX/XX/XXXX mor tgage default, currently underway in a second foreclosure suit. ( The first was voluntarily dismissed without prejudice by plaintiff on XX/XX/XXXX . ) While the violations have mounted over the years, the most recent and serious infractions involve the deliberate re-aging of this account on my credit report by Rushmore Loan Management ( RLM ), current servicer as of XX/XX/XXXX ; the Credit Reporting Agencys ( CRAs ) improper investigations and continual verification of falsified information ; as well as, the continued pursuit of foreclosure by current plaintiff, XXXX XXXX XXXX ., with complete disregard to the ( XXXX ) XXXX Debt Cancellation issued by XXXX XXXX XXXX ( XXXX ), servicer until XX/XX/XXXX . As a result, my credit score is once again tanked and Im now faced with re-serving sentence, double jeopardy if you will. Therefore, I urgently request CFPB involvement to seek relief, resolution, and, recovery of all monetary damages that I may be entitled to. Supportive documentation is attached as referenced.\n\n1. CANCELLATION OF DEBT XXXX By notice dated XX/XX/XXXX ( Attachment 1 ), XXXX transferred servicing of the mortgage loan to RLM effec tive XX/XX/XXXX , then continued involvement as attorney-in-fact for XXXX XXXX XXXX .\n XXXX XXXX furnished two XXXX forms ( Cancellation of Debt ) totaling {$280000.00}, identifying date of identifiable event XX/XX/XXXX ; debt description mortgage ; identifiable event code I ( Attachment 2 ). Each reported {$140000.00} separately ( to me and my ex-husband of 10 years ) to be reported as income on XXXX IRS tax reports.\n\nAs written in the updated XXXX IRS Publication 4681, 1. Canceled Debts, General Rules, Form XXXX . Generally, if a debt for which you are personally liable is forgiven or discharged for less than the full amount owed, the debt is considered canceled in whatever amount it remained unpaid.\n\nIt further states under Identifiable Event Codes : Code I is used to identify an actual cancellation of debt that occurs before bankruptcy, other judicial debt relief, statute of limitations or expiration of deficiency period, foreclosure election, debt relief from probate or similar proceeding, by agreement, decision or policy to discontinue collection.\n\nMy attorney, XXXX XXXX emailed Plaintiffs Attorney, XXXX XXXX XXXX XXXX XXXX ( XXXX ), asking for confirmation of debt discharge, and, if Plaintiff would no longer be pursuing the foreclosure, with no response. ( Attachment 3 ) XX/XX/XXXX My attorney filed a Request For Production Of Documents, and a Second Set of Interrogatories directly addressing the XXXX s. To date, not only has plaintiffs attorney, XXXX , XXXX XXXX XXXX XXXX ( XXXX ), fai led to answer any related questions, they continue to pursue foreclosure of the full amount, without acknowledgement whatsoever, of the now cancelled debt. This, by any interpretation of the law, is a serious illegal and fraudulent violation of the FCRA.\n\n2. CREDIT REPORTING AND DISPUTES RE-AGED Account on Credit Reports, Improper Investigations, Falsified Verifications, Failure to Notify, Inaccurate Accounting After 10+ years of following the guidelines for credit recovery, including that provided on the websites of all XXXX nationwide CRAs, I just recently improved my credit score to a respectable XXXX . On XX/XX/XXXX , I replied to an offer of credit with XXXX XXXX who I have a flawless 16 month relationship. I was blindsided by their immediate decline ( Attached # 4 ). Then responded to 5.9 % offer from XXXX . Offer accepted, but instead, at 30.99 %. These raised a red flag prompting me to check my XXXX report only to find that my updated score of XXXX on XX/XX/XXXX ( reduced from XXXX due to purchase of a vehicle ) had dropped to XXXX . ( Attachment 5 ) Its an atrocity that the CRAs and like companies are permitted to publish helpful consumer guidelines and give counseling for credit repair/recovery, only to be kicked back to XXXX gates if actually achieved. Ive initiated several disputes and have submitted prior credit reports with all XXXX CRAs to no avail. Instead, they continue to support RLMs false verification of accuracy. Willful, negligent re-aging and refusal of verifiable evidence to substantiate are in serious violation of the FCRA.\n\nRE-AGED ACCOUNT SUPPORTIVE FACT S XX/XX/XXXX XXXX first reported this delinquent account to the XXXX major credit reporting agencies establishing Date of Last Payment ( DOLP ) XX/XX/XXXX ; Date of First Delinquency ( DOFD ) XX/XX/XXXX ; and, Estimated Date for Removal XX/XX/XXXX . ( Attachments 6, 12, 13 ) XX/XX/XXXX RLM intentionally RE-AGED this account on my credit reports by furnishing the CRAs, unsupported dollar amounts and newer delinquency dates ( DOLP ) XX/XX/XXXX ; ( DOFD ) XX/XX/XXXX ( Attachment 7 ). Accordingly, XXXX reports a new estimated date for removal as XX/XX/XXXX , while XXXX shows it will remain on record until XX/XX/XXXX .\n\nNotification of this significant adverse action was never provided by RLM, nor any CRA, at any time whatsoever.\n\nClearly, RLM has maliciously and craftily reworded the language of the now pending subsequent Complaint ( Attachment 11 ) to conjure an illusion of verifiable accuracy as follows : a. ) Complaint states, due and owingfrom and after XX/XX/XXXX .\nRLM furnished this date to the CRAs to reflect date of last payment XX/XX/XXXX .\n\nb. ) Complaint states, by failing to pay the payment d ue XX/XX/XXXX , and all subsequent payments.\nRLM furnished this date to the CRAs to reflect date of first delinquen cy XX/XX/XXXX .\n XX/XX/XXXX XX/XX/XXXX I had attempted online disputes with all XXXX CRAs, but could not as they were all having technical difficulties. I then called each to dispute by phone. XXXX and XXXX both responded during the conversation that creditor had verified as accurate and the dispute was final. After spending weeks sorting through 12 year old boxes, I wrote each a dispute letter and assembled packages with plenty of documentation, concretely verifying that this account had been RE-AGED then sent by certified mail. ( Attachments 8-10 ) RLM HAS WILLFULLY AND MALICIOUSLY VIOLATED THE FCRA BY PURPOSELY AND ILLEGALLY RE-AGING THIS ACCOUNT, THEN VERIFYING THE FALSIFIED INFORMATION REPEATEDLY. Their monthly statements reflect a {$3600.00} loan mod charge for deferred interest. This was first charged by XXXX on XX/XX/XXXX statement, which should have been deleted since they illegally withdrew the loan mod and reallocated 1st payment. This is clear evidence they have the XXXX accounting records to verifying the original XXXX CRA reporting. ( Attachments 17 & 18 ) CRA NEGLIGENCE While all XXXX CRAs relayed virtually the same information, my phone conversation with XXXX lasted much longer due to the communication barrier. After continually asking the agent to repeat herself, I was transferred to a supervisor ( with a slightly less heavy accent ) who refused to investigate further for the simple reasons the account numbers are different, Rushmore is the client, not the consumer, and, she was under no obligation to pursue an investigation based on consumer provided information. She became loud and rude, then reluctantly asked if I wanted to start a full investigation. I confirmed but to this day, have yet to receive her forthcoming email.\n\nIn accordance with the FCRA, I then prepared dispute letters ( Attachments 8-10 ), attached previous credit reports ( Attachments 6,12,13 ) and other supportive documentation undeniably verifying that the negative information RLM furnished on XX/XX/XXXX , was in fact, reported previously by XXXX from XX/XX/XXXX XX/XX/XXXX . Sent by certified mail, the green card from XXXX returned blank. I had to trek back to post office and request a computer printout. To date, all XXXX CRAs have merely provided results that consumer has again verified as accurate ( Attachments 14-15 ). Clearly, a proper investigation was not conducted. The documents I provided, if reviewed, would have concretely proved otherwise. The prior credit reports by themselves should have deemed this immediately removable.\n\nIts inconceivable that a U. S. taxpaying consumer claiming to be unlawfully harmed, carries burden of proof, without recovery fees, submits undisputable evidence generated by the CRA, on CRA letterhead, and then is denied resolution by simple virtue of the creditors merit, while creditors can walk into courtrooms and win cases without ever producing notes.\n\nIn my written disputes, I had requested a full comprehensive consumer disclosure of my file, and, a full investigation. None have complied as such, just that updates were made if deemed necessary.\n\nThe negative impact of this illegal re-aging has unfairly caused tremendous turmoil in nearly every aspect of my life.\n\nACCOUNTING The amounts furnished by RLM for outstanding balances, fees, expenses, and advances are escalated, unreasonable and rarely the same on most of the documents and statements produced. A complete historical account breakdown was requested through discovery, however RLM has yet to provide anything other than RLMs monthly statement. Most likely due to the XXXX they refuse to acknowledge.\n\n XX/XX/XXXX Rece ived an updated mortgage statement reflecting an increased balance due to RLM with no adjustment for the charged off amounts. ( Attachment 17 ). It also references a deferred balance of {$3600.00} as amount of principal deferred as part of the terms of a loan modification. This is the same amount found on XXXX statement dat ed XX/XX/XXXX ( Attachment 18 ) first reported as unpaid interest as a result of a loan mod they approved, then immediately withdrew after they tricked me into a payment shortage. And, I can only assume that the plethora of {$100.00} prop preservation charges are for mowing the zero lot-line yard.\n\nSummarized below is the chain of events to substantiate this complaint, as well as show cause for many other discrepancies.\n\nI first became delinquent on my mortgage loan in XXXX due to the financial effects of the economic housing crisis on my profession as a Florida XXXX XXXX . I had requested and was approved for a 6-month temporary loan mod through XXXX XXXX XXXX ( XXXX ) by way of letters dated XX/XX/XXXX and XX/XX/XXXX reflecting new 4.25 % rate, payments of {$1700.00}, and also, stating that the account had been restructured to reflect a current status and next payment due XX/XX/XXXX .\n XX/XX/XXXX To insure compliance, I phoned XXXX and made a payment amount of {$1700.00}, the exact amount as stated by the XXXX rep.\n\n XX/XX/XXXX Received letter stating XXXX was withdrawing the modification due to the terms of the loan modification.\n XX/XX/XXXX I called for clarification only to be told that the amount of my last payment was incorrect as it didnt include an escrow payment, therefore, XXXX considered the payment to be late allowing them to immediately resume collection and start foreclosure, as well as, revert to original interest rate and payment. After unsuccessfully pleading the reason for the amount paid on XX/XX/XXXX , I th en authorized the increased payment of {$2400.00}. This was the last payment I was ever able to make and thus reported as the date of last payment.\n XX/XX/XXXX XXXX filed for foreclosure.\nCount I of this Complaint states : 1. This is an action to reestablish a promissory note 2. delivered to XXXX XXXX XXXX ( no mention of XXXX ) 3. Plaintiff i s the owner of said note.\n4. The original promissory note was lost or destroyed subsequent t o Plaintiffs acquisition thereof, the exact time and mannerbeing unknown to Plaintiff. < P/>\nIt was later discovered that XXXX did not have authority to file suit as they had not been assigned the mortgage.\n\n XX/XX/XXXX XXXX prepared a postdated assignment of mortgage to XXXX ( 19 months after XXXX had filed their foreclosure complaint ).\n XX/XX/XXXX XXXX recorded Corporate Assignment of Mortgage to XX/XX/XXXX declaring : XXXX , as nominee for XXXX XXXX XXXX , ( the original creditor [ XXXX ] ), assigned and conveyed to XXXX in consideration of {$10.00}, the mortgage together with the Note or other evidence of indebtedness ( the \" Note '' ), said Note having an original principal sum of {$340000.00} with interest, secured thereby, together with all moneys now owing or that may hereafter become due or owing in respect thereof, and the full benefit of all the powers and of all the covenants and provisos therein contained, and the said Assignor hereby grants and conveys unto the said Assignee, the Assignor 's beneficial interest under the Mortgage. TO HAVE AND TO HOLD the said Mortgage and Note, and also the said property unto the said Assignee forever, subject to the terms contained in said Mortgage and Note.\n\nThis assignment further shows evidence of fraud as such : a ) recording requested by and return to XXXX XXXX XXXX , as well as, Law Offices of XXXX XXXX XXXX ( Florida foreclosure mill firm shut down in XXXX ) ; b ) prepared by XXXX XXXX , XXXX XXXX XXXX at XXXX XXXX XXXX , XXXX , NY XXXX ; c ) signed by XXXX XXXX , Vice-President of XXXX XXXX at XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX , VA XXXX ; d ) witnessed by confirmed robo-signers XXXX XXXX , XXXX XXXX and XXXX XXXX as notary in XXXX , NY.\ne ) XXXX XXXX has signed on behalf of XXXX XXXX XXXX XXXX . whose address is in VA while XXXX XXXX ( whose handwriting changes often ) is a notary in NY.\nf ) Betw een XX/XX/XXXX XX/XX/XXXX I have evidence of twelve ( 12 ) other ( unrelated ) recorded documents, signed by four different XXXX employees ( some on the same day ). All have signed as the Vice-President of XXXX XXXX .\n XX/XX/XXXX , XXXX voluntarily dismissed the complaint without prejudice. In accordance with the FCRA, the CRAs continued to report this negative mortgage default account through the 7-year maximum duration period clearly identified on prior credit reports with the estimated date for removal XX/XX/XXXX XX/XX/XXXX XXXX issued a new Notice of Intent to Cure for payments due on or after XX/XX/XXXX It further states that to correct this breach, the total amount of $ XXXX must be received no later than XX/XX/XXXX . Only the full amount due will be accepted. Failure to cure the default on or before the date specified in this notice will result in acceleration of the sums secured by the Mortgage/Deed of Trust and may result inforeclosure. ( This Notice was attached to the current Plaintiffs R esponse to Defendants Request for Production. ) XX/XX/XXXX , XXXX , by XXXX XXXX XXXX ( XXXX ), as Attorney in Fact, assigned the mortgage to XXXX XXXX XXXX XXXX , as Trustee for XXXX XXXX XXXX XXXX . However, the chain of title recorded in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows XXXX and XXXX XXXX XXXX XXXX assigned to XXXX .\n XXXX seems to be the servicer at this point, although Ive never received notice nor seen any authorizing document. I did however, receive 67 illegal robo-calls from XXXX between XX/XX/XXXX - XX/XX/XXXX .\n XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , ( XXXX ), Attorney for Plaintiff, fi led a subsequent Complaint for Foreclosure of Mortgage on beha lf of XXXX XXXX XXXX XXXX , as Trustee for XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , as Attorney of Fact, by XXXX XXXX , Authorized Signatory.\n\nAs required by the FL Statute of Limitations for subsequent filings, new default dates were established and stated in this Complaint as : COUNT I Paragraph 6. Defendant ( s ) have defaulted under the Note and Mortgage by failing to pay the payment due XX/XX/XXXX , and all subsequent payments.\n\nParagraph 8. Defendant ( s ) o we Plaintiff {$32 0000.00} that is due and owing on principal on the Note and Mortgage, plus interest from and after XX/XX/XXXX , and title search expenses This Complaint includes a Certification of Possession Pursuant to Fl. Stat. s.702.015 ( 4 ) dated XX/XX/XXXX . XXXX XXXX as Original Documents Assistant verified that the original note is in the possession and location of XXXX s office, and, that XXXX received the original note from XXXX . However, no date is mentioned as to when XXXX received the note. When, how and from whom did XXXX receive the original note is crucial since XXXX claimed it to be lost or destroyed in its XXXX Complaint.\n XX/XX/XXXX XXXX sends force-placed ASI policy that went into effect XX/XX/XXXX .\n\n XX/XX/XXXX XXXX notifies me of cancellation of said policy effective XX/XX/XXXX .\n XX/XX/XXXX Rushmore sends Notice of Sale of Ownership of Mortgage Loan. Very confusing and misleading. States prior creditor has sold your loan ( described below ) to us, the new creditor identified below. Next paragraph, **NOTE : The new creditor identified below is not the servicer of your loan. Page 2 says Your lender. Who are they referring to, the creditor or the servicer? The last sentence reads, Our rights and obligations as new creditor, XX/XX/XXXX XXXX , transferred servicing to Rushmore Loan Management ( RLM ) although no documentation has been provided or recorded confirming XXXX authority to do so.\n\n XX/XX/XXXX , XXXX furnished two ( XXXX ) XXXX forms ( Cancellation of Debt ) totaling {$280000.00}, identifying date of identifiable event XX/XX/XXXX ; debt description mortgage ; identifiable event code I.\n\n XX/XX/XXXX Assignment of Mortgage : XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX t, XXXX XXXX XXXX , XXXX XXXX , OK XXXX hereby assign and transfer to XXXX XXXX XXXX XXXX , not in its individual capacity but solely as trustee for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , DE XXXX , all its right, title and interest to said mortgage.\n\nThis recording shows : Requested by XXXX XXXX XXXX Prepared by C XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX y Return to LR Department ( Cust : XXXX ), XXXX XXXX XXXX XXXX , CA XXXX XXXX MIN # : XXXX Loan # : XXXX Also, handwritten : XXXX ; XXXX XXXX Authorized Signatory, XXXX XXXX This Assignment was executed and notarized on XX/XX/XXXX by XXXX , Attorney in Fact, but not recorded until XX/XX/XXXX by XXXX , Attorney for Plaintiff. XXXX was also the servicer through XX/XX/XXXX . RLM began servicing on XX/XX/XXXX . So who is XXXX XXXX XXXX and why was I not notified of new servicer? How many servicers and attorneys are involved now? Who is the actual note holder at this point?\n XX/XX/XXXX attached to the Plaintiffs R esponse to Request for Production is a Notice of Right to Cure Default by XXXX dated XX/XX/XXXX stating This is a notice of breachbecause we have not received the payments that were due on or after XX/XX/XXXX .. XXXX had originally issued a Formal Notice of Breach dated XX/XX/XXXX , demanding payment of {$5800.00} by last business day of that month ( only 20 days later ), and, If such payment is not received by that date, add an additional {$2400.00} for the next months payment, which must be received within thirty ( 30 ) days from the date of this letter. ( Less than a 30 day notice due to mailing time. ) It also states, Due to the delinquency of the mortgageall additional late charges and payments due after this notice must be included in your payment. ONLY THE FULL AMOUNT DUE WILL BE ACCEPTED.\n\nSince I have not received any notice whatsoever of XXXX involvement, in any capacity including transfer of servicer, nor is XXXX mentioned in the recorded chain of title, one can reasonably conclude that this second demand letter was sent to reestablish the default acceleration date prior to t he XX/XX/XXXX assignment of the deed and note to XXXX XXXX XXXX XXXX , Trustee for XXXX XXXX XXXX XXXX t.\n\nThis Assignment shows : 1 ) XXXX requested recording on behalf of XXXX XXXX XXXX XXXX .\n2 ) Execute on behalf of XXXX by XXXX XXXX as authorized signatory of XXXX , attorney in fact. She also signed in the same capacity, on an attached undated allonge. Her XXXX profile ( XX/XX/XXXX ) states she is Document Control Manager at XXXX XXXX XXXX and Project Manager of XXXX .\n\nThe note, allonges and mortgage ( sometimes identified as Exhibits A and B ) attached to each of the filed documents have been altered by an erasure use of \" white out '' or complete black out to intentionally conceal information such as loan numbers on original docs at time first executed. Florida does not allow the use of correctional fluid or complete black out on their legal documents.\n\nAltered docs : Verified Complaint for Foreclosure of Mortgage ( executed XX/XX/XXXX ), Exhibits A and B are full of black outs.\nNotice of Action Constructive Service, Lis Pendens ( filed XX/XX/XXXX ), although attachments are not labeled as exhibits, differ as some of the blacked out information originally attached to Complaint is now showing and some of the black outs have been erased completely, such as the loan number on the Allonges.\n Plaintiffs Response to Request for Productio n ( XX/XX/XXXX ) black outs appear only on the Note.\n XX/XX/XXXX XXXX filed discovery responses attached with the above-mentioned allonges now identifying account number XXXX . This number is not to be found anywhere on the note. Further review revealed that this is the exact number identified on XXXX correspondence as XXXX Account Number.\nThis now questions the validity of the undated Allonges for these reasons : 1. The attached Note is stamp endorsed ( undated ), to XXXX XXXX XXXX XXXX XXXX with more than enough white space for endorsements which would thereby alleviate the need of an allonge ; 2. Undated allonge signed by XXXX XXXX , authorized signatory for XXXX as Attorney in Fact for XXXX , identifies XXXX assigned account number XXXX \n3. Original Note Loan No : XXXX . XXXX assigned account number is hand-written, twice, at the top of the first page as XXXX , XXXX ( abbreviated for XXXX XXXX XXXX XXXX ).\n\nAlso noteworthy, XXXX XXXX XXXX XXXX was incorporated in XXXX .\n\nI 've spent countless hours sifting through 12 yr old boxes of paperwork finding robo-signatures, discrepancies, illegal filings, broken chains, and phantom dates/documents. I 've submitted 2 disputes to each of the credit agencies ( CRA ) with verifiable attachments, including, prior credit reports ( XXXX - XXXX ) that proved concretely, the re-aging, and both times have been rejected simply because Rushmore Loan Management Services verified account as accurate without any documentation. My credit score is now in the red zone. 0 balance credit cards are being closed, interest rates are sky rocketing, offers withdrawn, premiums raised. It 's all due to the re-aging as every credit category is good - excellent. My new declining credit score gives me little chance of a decent job to support myself, nor obtain housing better than a shelter. For 10+ years I 've slept on couches, in my car, and even a storage unit. I 've sold most of my belongings, worked menial jobs, bartered services and learned to live without or DIY, just to survive. Turning to the advice on the CRAs websites and following their guidelines to the T, I 've worked hard over the past 10+ years to rebuild my life and my credit through exorbitant interest rates, terms and fees. Now, in an instant, just when I was starting to see light, it 's back to the trenches and worse. There are no more couches this time and I have nothing left to sell. It 's more than apparent that my inability to pay this debt is a hall pass for anyone who stands to gain, and, punishable to me for life. Substantiated facts seem irrelevant to the scheming illegal tactics carried on thus far. The laws seem to have no bearing on those with the most money. At XXXX yrs old, my health is declining, cant eat or sleep, and cant find a job as all my time is consumed writing letters, sorting through documents and research. I 'm more than exhausted and see no chance for recovery without the help of the CFPB.\n\nI firmly believe all the recent upheaval stems from RLMs work model to render me broke and powerless, thereby safeguarding from any opposing resistance.\n\nI beg the CFPB to please thoroughly review my statements of fact and attached supporting documents, to put an end to these unconscionable predatory tactics.","date_sent_to_company":"2017-05-27T05:11:26.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"23224","tags":null,"has_narrative":true,"complaint_id":"2495835","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RUSHMORE LOAN MANAGEMENT SERVICES LLC","date_received":"2017-05-27T04:46:21.000Z","state":"VA","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["To date, all XXXX CRAs have merely provided results that consumer has again verified as accurate ( Attachments 14-15 ). Clearly, a proper investigation was not conducted. The documents I provided, if reviewed, would have concretely proved otherwise. The prior credit reports by themselves should have deemed this immediately removable.\n\nIts inconceivable that a U."]},"sort":[4.949568,"2495835"]},{"_index":"complaint-public-v1","_id":"2567168","_score":4.4094825,"_source":{"product":"Mortgage","complaint_what_happened":"Additional Complaint Addendum TO - XXXX XXXX XXXX XXXX XXXX XXXX ( Main Office ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Under NJ Rev Stat 2A:50-56 ( 2016 ) P. 11 - ( 11 ) the name and address of the lender and the telephone number of a representative of the lender whom the debtor may contact if the debtor disagrees with the lender 's assertion that a default has occurred or the correctness of the mortgage lender 's calculation of the amount required to cure the default.\n\nThe New Jersey Courts required Ocwen Loan Servicing to refile the Notice of Intent to Foreclose with the True and Correct name and address of the Said Lender. Ocwen resubmitted the the requested document and Claimed the lender was XXXX XXXX XXXX XXXX XXXX XXXX NY.\n\nI Sent a Formal Complaint to the address and after a number of Attempts by the USPS the Item Was Delivered. We also stipulated that if they did not reply that we would Rescind the mortgage and nullify the Contract. It has been over 3 Years since the attempt to communicate with the Lender as stated on the Notice of Intent to foreclose by NJ LAW 2A:50-56.\n\nIn the Last week I have contacted the CFPB and made a number of Complaints including Complaint numbers XXXX ( OCWEN ), XXXX ( XXXX XXXX ) and XXXX ( XXXX XXXX XXXX ).\n\nOn XX/XX/XXXX The CFPB Formal requested the Answer from the our complaint, The Company responded the complaint does not belong to them. ( XXXX XXXX XXXX ) NOTICE OF INTENT TO FORECLOSE STATED THAT THE LENDER WAS XXXX XXXX XXXX XXXX XXXX NY - THUS THIS COMPLAINT SHALL ALSO BE ISSUED TO THEM AS THIS IS A LEGAL REQUIREMENT IF XXXX XXXX XXXX COME BACK AND CLAIM THEY ARE NOT THE LENDER THEN OCWEN HAS COMMITTED FRAUD AND DECEPTION ANLONG WITH UNDER LAW OFFICES AND XXXX XXXX XXXX WE HAVE NOT BEEN ABLE TO DISCUSS OUR ISSUES WITH THE SERVICER WITH THE LENDER AS REQUIRED BY LAW.\n\nI XXXX XXXX, of XXXX XXXX XXXX XXXX, New Jersey along with my Daughter as Trustee to my financial estate and whom holds full power of attorney, hereby serves you notice of the following complaint [ s ].\n\nI XXXX XXXX on this day, XX/XX/XXXXhereby request for Ocwen known as the Servicer, and XXXX XXXX as said Lender to examine and respond to all complaints, under the Fair Foreclosure Act, and any other acts including Municipal, Federal and state laws of New Jersey, Florida and New York.\n\nWhilst this complaint is under investigation and the time given to respond ; you are requested to post a moratorium of foreclosure and delay any activity with any sheriff sale until further notice. ( Currently set forXX/XX/XXXX ) As previously noted in past communications any such delay, failure or other attempt to ignore these complaints shall accelerate any actions prepared. Additionally, The CFPB and other Agencies have duly been notified. A copy of this communication has been submitted into evidence with these said agencies.\n\nThis Complaint also is Against XXXX XXXX XXXX and its Activities on your behalf. We would like to let [ ocwen ] you know we have already filed Complaints against your counsel with the New Jersey Bar. Once all legal proceedings and foreclosure activities are terminated, an Investigation will be conducted independently by the New Jersey bar Association. As such, any replies via XXXX will be deemed tainted and a conflict of interest.\n\nCOMPLAINT One ( 1 ) : XXXX Forced Place Insurance.\n\nWe would like a full investigation, and either a Reduction of costs with regards to forced placed Insurance. In addition to, the consistently increasing cost of insurance that does not cover or replace anything with the property in question. You were requested for an amount that is said to be distributed to XXXX However you have failed to properly disclose if the funds were properly transferred and used for Insurance purposes.\n\nWe have previously requested help from the insurance company and were denied. However, when we approached an independent insurance agency they said you had received a distribution? - However this was not distributed to the homeowner ; why, and to whom?\n\nFurthermore due to the continuing escalation of the problems faced after Hurricane XXXX the Roof and Guttering and areas around the house, including the Garage have completely collapsed.\n\nThe Roofing Shingles have completely been blown away / stripped off the roof, 90 % occurred from Hurricane XXXX yet even though we felt the full force, you claim that we were not in an area that was affected. This has caused continuous leaks in various parts of the house. Including the collapse of the hallway ceiling, in which we have already fixed and replaced ourselves.\n\nYou have put us in a position where we can not obtain 3rd party insurance because of the problems that already exist which your insurance company does not want to fix. As such we have given up discussing anything with the Insurance Company over the last 5 years, as they are useless and uncaring.\n\nInXX/XX/XXXX a summer storm destroyed a Kitchen Skylight, which leaked and fell into the home, as homeowner I hired a private contractor and filled the gap left by the collapsing skylight, the leak created cracks in the Ceiling and still have yet to be repaired.\n\nThe Insurance Company said they were not prepared to pay for the issue, because the Fix had already taken place. Under the circumstances it was either that or have a giant hole allowing the elements to run wild inside the house. Yet for some reason a 3rd party insurance system claimed the funds were distributed anyway ( see other complaint ) So the question is why should you have the ability to claim the Insurance charges if they do not provide a service to repair any issues at hand? You have previously chosen a sister company that fails to provide any service and yet charge up to 3 times as much? - Possible Criminal Activity.\n\nAs you have not provided any repairs to the house, resulting in the value to be sharply affected, you [ Ocwen ] and XXXX / XXXX XXXX XXXX XXXX have failed to provide any service or return. Thus we would either request for you to fully repair items that are wrong to be fixed and replaced, thus putting the home into livable and economic prosperity.\n\nAs you [ Ocwen ] are claiming that we owe the costs of insurance [ XXXX et all ], and if we come to an agreement to modify the mortgage, then in your minds eye we have been [ already ] charged for the service in question.\n\nFurthermore the homeowner never received any payout from the class action lawsuit filed against Ocwen, XXXX et al ; Case No. XXXX Thus in all aspects you still owe 12.5 % of all funds being requested.\n\nHowever If you fail to repair, replace and finally get someone to fix those issues then we request 100 % of those funds and charges to be removed. We should not be liable for payment and accept the charges for nothing being done. One has to receive a product or service. Thus you and your insurance company are proceeding to partake in theft, you have received money ( via escrow ) to pay XXXX and others, for them to do nothing when required COMPLAINT TWO ( 2 ) : Intentionally Delayed Court Actions.\n\nDuring the 7 year battle within the New Jersey court system at least 3 of those years were beyond the control of the homeowner. Ocwens legal agent and Representative XXXX XXXX XXXX intentionally sat on their hands for over three years. They continued to do nothing. There was such a delay even the court responded with the threat and action of dismissing the case.\n\nDuring the period of legal recourse it is the responsibility of the Plaintiff [ which you claim to have been ] ; that indeed the plaintiff had no activity and the court sent many warnings over this time. Failing to respond, the court dismissed the case Due to Lack of prosecution not once byt twice twice. XXXX XXXX XXXX then had to file motions and send representatives to court on multiple occasions increasing legal fees, unnecessarily a burden upon the homeowner. The defendant lost time from work, overtime and caused undue stress.\n\nIf you would have acted properly and on time, we would have never had to go through such action. This was not the only occurrence it happened twice. With one being completely dismissed, resulting in a request to reinstatement.\n\nPlease tell us why we should pay for any of the legal costs, if you or your legal team were not even prepared to take action throughout all these years? We had to spend our time, effort, money and health waiting for you to just answer simple questions and take appropriate actions.\n\nCOMPLAINT THREE ( 3 ) : QUESTIONABLE OCWEN EMPLOYEE ACTIVITY We further wish to complain that you are allowing and accepting your employees to freely give insider information and help foreclosure attorneys. Such as the Use of an Employee called XXXX XXXX XXXX She had worked at your Florida Office then Moved to the Offices of XXXX XXXX.\n\nWe have transcripts from a conversation between ourselves anXXXX XXXX holder admitting she worked for them. What makes matters worse is that she was involved with our own account. We believe this is a conflict of interest.\n\nAs such you are now fully aware of this happening, You had freely supplied her name and information during the discovery process, and we have enough evidence to move a complaint in criminal court.\n\nHowever we could come up with an amicable solution. If you work with us on a modification that 's workable and sustainable, under terms agreed by both sides, by virtue of examining any counter offer.\n\nYou are claiming that we owe a total of XXXX Thousand dollars as of this date, for a property valued at just over XXXX Thousand* in good condition. The Market for this house in this area is between 98 and 110 Thousand in current condition, and lets be realistic here, no one with any right mind, investor or not, will be willing to spend the XXXX Thousand minimum you are asking at Auction and spend another XXXX Thousand fixing it.\n\nIf you fail to agree to at least examine any counter offer from US then we reserve the right to continue legal action against Ocwen and XXXX for the foreseeable future either through Criminal, Bankruptcy ( Federal Court ) / and the filing of a separate civil case of Wrongful Foreclosure. This could take years and an additional half a million in costs. This would be a grand total of about 1 Million in losses. As a stock holder I would love to see how fellow stock holders would view this. I would be willing to write and publish an open letter to all stock holders claiming you would rather spend XXXX Million Dollars fighting for a XXXX thousand property.\n\nNOTE : This would be public knowledge and of public record. This occurrence will be a negative reflection on the title, thus any purchaser considering obtaining a title search shall see such activity and will fail to even agree to any sale above $ 100k. Thus it would be better for you to agree to fixing the issues and reducing the amount owed. Cleaning up the problem and apologizing for allowing your staff and legal representation to corrupt the course of justice, especially after you rehired XXXX XXXX a few years later.\n\nCOMPLAINT FOUR ( 4 ) Improper Actions with XXXX XXXX XXXX The Forced and Faked Modification If you check your records, that 's if you have been keeping them up to date, you should be in receipt of a Cease and Desist order from us, as you had filed one against us prior. This swap of C & Ds are all concerning a set of emails from one of your representatives communicating with XXXX XXXX XXXX along with being ccd to myself and my daughter XXXX.\n\nWe responded by asking what modification? ; as we had not signed any declaration, nor attempted to signal any intention to modify at that time, As we were still in litigation.\n\nIt also said that you had received payment for the first deposit, yet we had no idea of the existence of such modification and clearly did not set up any type of modification payment plan during this period of time.\n\nWe would like a proper investigation, and explanation of why you and XXXX/Ocwen tried to commit a criminal action, forgery, deposit and got caught doing so. We would like you to find out why your Legal team is clearly faking information for the benefit of your company. We hold the evidence and we have the emails, so you should either work out a favorable solution or if you take further foreclosure action we will start a criminal case against you.\n\nIf we are not satisfied by the outcome of this Complaint will be proceed to file Criminal Court complaints, if you do not properly investigate the contents of this communication. The statute of limitations starts when you proceed with this foreclosure. On an Additional note ; We have already been given the go ahead by the New Jersey Civil Court System that this is a criminal action and would have to file it within the criminal justice system. So we Request you take this complaint Seriously.\n\nOur question to you is do you want us to conduct such activities On XX/XX/XXXX Followed by a wrongful foreclosure civil case and a Federal Bankruptcy case do go along side it. We have the Case Information Statements and fees on standby. Its your call We also know the Names, Dates, Times and places so Discovery wont be too burdensome on your behalf.\n\nCOMPLAINT FIVE ( 5 ) NON-RESPONSE From Lender XXXX to QWR of NOI The New Jersey Courts requested a proper Second updated Legal notice of Intent to foreclose. The Lender as stated on the Notice of Intent [ NOI } was Contacted via a QWR ( Qualified Written Request ) within the permitted dates allowed by law, as of this date there has been zero contact from the Lender in due course.\n\nAs a part of this complaint filed under all statutes of the Fair Foreclosure Act and the Fair Debt Collection Practice Act, Both at Federal and all statute laws of New Jersey ( Homeowner ), Florida ( Ocwen ) and New York ( XXXX ) ; we once again issue this complaint as an additional QWR written request for a full and valid reply from XXXX XXXX XXXX, titled as lender, on the qualified Intent to Foreclose or XXXX XXXX XXXX XXXX XXXX XXXX We ( as consumer and customer ) - have the right to demand that we have direct communication with the Lender, especially if we have problems and issues with the Servicer [ Ocwen ], so please provide within 14 days the Name and Contact address, Telephone Number, Fax Number and Email Address of the Bank.\n\nIf you can not provide a qualified response as per the Notice of Intent to Foreclose and admit the information you published is wrong, please let the court and the Sheriff of XXXX County know you either made a mistake in completing the Notice Of Intent and that you admit that we [ Homeowner ] were disenfranchised.\n\nThat 's the most honorable thing you can do right now. We could then Go back into court assisted Mediation and sort out this problem.\n\nIf you can not obtain the requested information of the XXXX as the Lender, please consider this complaint a part of the legal requirement for you to provide the following information : 1 ) The Physical Address details of the Contact within XXXX.\n2 ) Account number of our Account at XXXX XXXX, 3 ) Location of the account and which officer looks after the account.\n4 ) Who our contact is at XXXX XXXX Name, Department and Location 5 ) What is the XXXX Agents Contact details, Telephone, Fax and Email With these Details we should solve the situation rapidly. Instead of heading back to court for Wrongful foreclosure, which we promise we will file in any attempt to proceed with the continuing foreclosure.\n\n* The Notice of Intent to foreclose gives the homeowner the right to communicate and resolve any issue, thus we have an issue with Ocwen, its legal Representation and the Bank itself. You are already in receipt of the original letter sent to all parties, if you ignored or lost that letter we recommend investigating your attorney as they received a copy as well.\n\nWe actively communicated with the Lender via the information provided and no response was forthcoming. We reached out to you to provide a go between to the Lender and for them to communicate with us in due course, as a courtesy we would gladly give you an additional 31 days to communicate with XXXX XXXX to obtain a certified letter/ response. We request a certified response from XXXX XXXX within 45 Days from Receipt of this certified communication. ( XX/XX/XXXX ).\n\nEveryone knows how Loan Securities work now, its no secret and the Bank is n't at a loss in CASH, So as trustee XXXX also has the ability to decided and tell you [ Ocwen ] what you can do, as they hold the power to adjust the rates, costs, prices and values. They also have the ability to forgive any past debts especially in actions like this.\n\nWe are not looking for a free house we are looking for a mortgage that is true to the real value, not the exuberant and vastly increased total of nearly Half a Million US Dollars. caused by your negligence and activity, which started by not accepting a single late payment of less than {$200.00} COMPLAINT SIX ( 6 ) Miscellaneous and Erroneous fees, Service Fees and Interest It has come to our attention that you are charging fees on a regular and ad hoc basis, where as you are charging for services such-as maintenance. Yet the house is occupied and in use, so there is no way you or a 3rd party can be actively doing maintenance on the property, as there has been a person located at the property for the last 28 years and no outside entity has conducted such maintenance to occur.\n\nIn particular in the recent invoice a {$510.00} Dollar Charge consisting of XXXX Maintenance charge, there has been no activity that permits such charges.\n\nWe would like for you to examine and provide proof that shows every single debit charge\nthat has a 3rd Party attached on the account and that those charges have truly been completed, transferred and actually obtained for the reason of the charges between the dates of inception of this Mortgage. If you can not provide the Evidence that all 3rd Party / Extended charges have been completed as required, then We claim that some of those charges are misleading and abusive in nature. COMPLAINT Seven ( 7\n) XXXX Foreclosure Moratorium During the course of the court action XXXX XXXX promised to conduct a moratorium of all foreclosures that the bank had interest in. This was published in the Filling of their SEC Report in XX/XX/XXXX.\n\nMore Information can be found in the many pages online at the following URL : Search : XXXX XXXX XXXX XXXX XXXX XXXX The Issue is during this time you continued to proceed with the foreclosure and legal activity. Thus we would like to know if XXXX XXXX had any interest in our Home and the case at bar, and why you did not proceed with following their wishes which were made public?\n\nDid Ocwen look the other way about this situation? Did your attorney not follow XXXX wishes? If you claim that the moratorium did not qualify for our loan you then clearly admit that XXXX has no Interest in this mortgage ; thus Not the Lender? Is this what you are saying? Thus you are conducting a wrongful Foreclosure.\n\nComplaint Eight ( 8 ) Abusive Photographers and Trespassing There have been a few close calls with our family and the photographers you use to take monthly images and examinations. one occurrence 2 years ago, my Grandson was playing outside under the trees when we noticed someone stopped out front taking pictures, as you may be aware it is illegal to take photos of minors without permission anywhere, you have to obtain parental consent which we do not.\n\nOn approach he gets into his car ( silver ) and then approaches the driveway ( Trespassing Occurred at this point ), he became agitated and abusive, swearing for us to get out of the way, and that he was acting for OCWEN. I went inside to get my daughters phone to attempt to video him, he said Oh what you going to put that up on XXXX XXXX are you? and drove off at speed.\n\nThe other time my daughter had approached the vehicle that was parked in our driveway blocking her exit, and we said we do not give you permission to enter the grounds and that they were trespassing, and once again the communication was profoundly expletive.\n\nAs such we decided to put up cameras this year to make sure if it happens again and we catch them, we will call the authorities. We consider this harassment, and also attempting to photograph minors without consent is criminal, which you are paying for.\n\nIn a separate incident more recently at least 2 members of the public have attempted to examine the house driving up the driveway and attempting to look around. Please note if further activities continue, we will consider you accepting these occurrences as acceptable ; thus by virtue allowing and supporting further harassment.\n\nCLOSING Comments Whilst this complaint is under investigation and the time given to respond you are requested to post a moratorium of this foreclosure sale. We request you to delay activity with any sheriff sale until further notice. If you do not delay the current foreclosure sale and n\notify the homeowner byXX/XX/XXXX, we will prepare to file legal paperwork for Wrongful Foreclosure and we will also file Criminal Charges with the local and state Police Departments ( Fraud Division ). \nFailure to respond to all complaints set here in, or ignoring this communication in full or in part and Failure to respond to all requirements as protected under all such applicable laws including contractual law shall be a breach of contract.\n\nDates : [ ] You [ Ocwen ] hereby agree to forfeit all claims and contracts If no Action and Reply is forthcoming Certified by USPS ByXX/XX/XXXXthis will automatically be enacted on XX/XX/XXXX. [ ] This communication / Complaint is being mailed on XX/XX/XXXX - Overnight. [ ] Ocwen ( You ) shall receive it on the Afternoon of XX/XX/XXXX [ ] You have up to XX/XX/XXXX to stop any foreclosure activity If you require additional time to conduct your investigation You may be\ngranted additional time for both internal and external investigations only on receipt of a USPS Certified Letter of your activity postmarked Prior to XXXXXX/XX/XXXX.\n\n[ ] If no action is taken by Ocwen and/or XXXX By XX/XX/XXXX, The Homeowner Rescinds the mortgage and claim you have purposely removed yourselves from the contract, you will have no right to continue a foreclosure proceeding beyond this date.\n\n[ ] If you agree to investigate and delay the Foreclosure sale you have up toXX/XX/XXXX for Ocwen to Fully Respond to these Complaints in writing. Please note phone calls or emails are not permitted. Only USPS Certified mail will be accepted.\n\n[ ] If you need Further time you must also contact the Homeowner ( SEVEN ) 7 Days before the Date of any future foreclosure sale, you have the ability to change the date as many times as you so wish to provide the best possible information and proper investigation.\n\n[ ] Once you have conducted a thorough investigation and the homeowner has received communication from XXXX we will consider this an acceptable outcome. Once we have had the chance to speak to a representative at XXXX XXXX as the said Lender, then we can formally file the Complaint with the Lender and not the Servicer applicable by federal law, we shall then request to hold Mediation in XXXX New Jersey [ ] We Also Require by XX/XX/XXXX - that you have sent a copy of this complaint to XXXX XXXX and show proof by CCing the Communication to the Homeowner of what you Send { OCWEN }. And wait for a Full reply from XXXX XXXX, if you receive a reply that you shall send the Unedited copy stamped when you received this communication from XXXX to the Homeowner Continued ..\n\nNOTES and other comments.\n\nNote : This Communication has also been sent via USPS Certified mailing to the original sender, sealed and secured as Evidence in any further dispute.\n\nNote : We are willing to go to the press and media, we have already been contacted by a few who are interested and wish to run a story. However we have held off until you attempt to foreclose without fixing all issues at hand.\n\nNote : You are publicizing that you are conducting a Summer\nof Help and Hope, please show us that you mean it by acting in good faith and do as your slogan says Helping Homeowners is what you do. Note : Furthermore Oc\nwen announced it would sell its mortgage servicing rights to XXXX XXXX XXXX XXXX, a wholly owned subsidiary of XXXX. The sale, which includes {$110.00} billion in unpaid principal balance, we would like clarification with a ) did you [ ocwen ] as a part of that sale included any of the interest in this loan and b ) if you did include the sale of rights to this loan, then when did this occur? To continue to act as the servicer you must provide details that this account is still under the contract with Ocwen Loan Servicing and not another party.\n\nATTACHED DOCUMENT : THE ORIGIONAL mailing of complaints active","date_sent_to_company":"2017-07-12T16:12:43.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"08037","tags":null,"has_narrative":true,"complaint_id":"2567168","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2017-07-07T03:05:54.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We have the Case Information Statements and fees on standby. Its your call We also know the Names, Dates, Times and places so Discovery wont be too burdensome on your behalf.\n\nCOMPLAINT FIVE ( 5 ) NON-RESPONSE From Lender XXXX to QWR of NOI The New Jersey Courts requested a proper Second updated Legal notice of Intent to foreclose."]},"sort":[4.4094825,"2567168"]},{"_index":"complaint-public-v1","_id":"5739845","_score":4.261967,"_source":{"product":"Mortgage","complaint_what_happened":"This was a difficult complaint to write because there were quite a few people involved and several complaints to be addressed. And I appreciate you being understanding and trying to filter thru them. I can only tell you what has happened to me and ask for your help to correct things for me and make sure it does not happen to other people. I have so many emails and other bank statements if you need them. I only ask if something is challenged then please give me a chance to do the best I can to present the evidence to back up my side. I am one small person trying to present my case. \nThank you very much. XXXX XXXX XXXX Complainant -- XXXX XXXX XXXX My attorney -- Attorney XXXX XXXX Attorney that First Citizens uses in SC to do their foreclosures - Attorney XXXX XXXX XXXX and Attorney XXXX XXXX XXXX XXXX -- according to his email Business and Retail Credit Resolution XXXX XXXX -- never got a return email to know what his title is but I believe it is Region Business Executive I am XXXX XXXX XXXX, a XXXX XXXX XXXX woman with back problems from an accident that was not my fault. First Citizens Bank and Trust has my loan. I did not choose this lender, my mortgage loan shifted to them when XXXX XXXX XXXX sold out to them. First Citizens Bank and Trust exhibits a pattern of behavior towards their customers that is very upsetting. If you look at the blogs, the common theme is that First Citizens Bank and Trust tends to ignore you any time you try to communicate the problem you are having and reprimand you for asking any questions and then make you feel like you caused the problem. If you try to reach out to other departments for help they try to make it seem like you are causing problems when you are simply trying to resolve your issue. I can only surmise that they hope the end result is they outlast you. This is a very poor business practice and doing this to the elderly and the XXXX is really probably criminal. By ignoring the client, it makes the client have to go on a hunt for the truth yourself and then in turn the bank can criticize you for making phone calls and writing to get the answers you need because they have ignored you to begin with. The term Gaslighting comes to mind. \n\nXX/XX/XXXX I was involved in an accident not my fault and because of covid it is still not resolved. \nXX/XX/XXXX I let my mortgage company know I was out of work for a little bit and why. \nXX/XX/XXXX The Pandemic hit and it effected my business completely. I was an adoption consultant/paralegal and I am not able to get in the Dr , offices or the hospitals. Frightening that your business of 30 years could just disappear almost in front of you Every week I communicated with First Citizens and asked about Covid. Never got a clear answer but I assumed when they were so nice and listened then said that they would make a note and put it in my file that meant that with Covid they were working on a solution. From what I read all the mortgage lenders were working on it so I did not worry, this seemed normal. I read that the mortgage companies were going to help with Forbearance, I knew they must have so many people effected that it would take time. I did not realize I had a type of loan that was called an \" In House '' loan. This loan is not federally backed which I had no idea meant that the bank could do whatever to you, or not do anything for you through the Cares Act. \nIn XXXX. During that time I made as many payments as I could, some partial. Always calling or answering First Citizens calls and letting them know my situation. All the while hurting from my accident and totally limited from Covid being able to enter medical facilities with my business. \n\nIn XXXX XX/XX/XXXX I started receiving mail from random attorneys asking if I wanted to do a bankruptcy. I had not even been served anything. But I thought that I better ask for a hardship packet. XXXX in ( Loss Mitigation ) told me she did not know I wanted one. \nXXXX XXXX I contacted one of the attorneys that I worked with and Attorney XXXX negotiated with the attorney XXXX XXXX XXXX and First Citizen Bank and Trust. \nXX/XX/XXXX ( Complaint 1 ) I received a letter from XXXX XXXX thru my attorney that the amount he said I owed was {$18000.00}. ( Letter attached ) This letter listed five categorized amounts that 3 seemed incorrect. ( I just emailed Attorney XXXX XXXX again, whom I have asked repeatedly about these amounts and where they came from. I should be able to ask what these amounts are that I am being charged in The Temporary Repayment Plan including 3 payments beginning XX/XX/XXXX without going thru months of the same emails of me asking for the same thing without being ignored. The latest story I have gotten is that the contact for XXXX XXXX ( independant Attorney for First Citizen ) at First Citizens is out of the office until XX/XX/XXXX and he needs to ask them if he can tell me what his own fees are. They are right there on the letter so why would the attorney have to check with the mortgage company to give me what he charged me for his attorney fees and what he did for those charges. How would the mortgage company know what his costs were?. This is going to make me spend more time and write the Fee Dispute board at the SC Bar. Personally I feel this is to buy time to make up what the charges are for. COMPLAINT ( attached letter of what these charges that I owe. and is supposedly good through XX/XX/XXXX ) This amount also changed by {$840.00} more and was just added onto the Temporary Repayment Plan and again not explained. \nXX/XX/XXXX XXXXTwo times First Citizens violated this law. I even received a letter from First Citizen XX/XX/XXXX in it, it explained the law on appraisals and how there is a copy due to the client 3 days prior to any transaction or closing or dealing monetarily. ( Attached letter of 3 day rule ) How does a mortgage bank send you a letter explaining the law on having to give you your appraisals and then does not give them to you? Who is accountable for making sure the law is followed. \nCOMPLAINT- This one of two appraisals not given to me in the time allotted so I believe this is a habitual offense with other people that should be questioned. ( attached appraisal with mail dated envelope XXXX ) This appraisal was done XX/XX/XXXX and was not mailed to me until XXXX months later, XX/XX/XXXX and only because I repeatedly asked for a copy of this appraisal, First Citizens had this information and actually told me they did not know if they could give it to me. Whoever sent the letter was aware of the law but after that the employees under XXXX XXXX dont seem to know what they are supposed to do. It seems by XXXX XXXX 's example they certainly know how to avoid clients questions and make the client feel as though they are not important enough to ask anything at all or if they do ask then you are made out to be a horrible problem. This is a prime example of them telling me the way they want it to be and I the customer, am just supposed to go along with it and not speak up for myself. I hope that whoever is over enforcing this law will make an example of First Citizen Bank and Trust. This appraisal could have aided me in putting together the Hardship package if I had had it for the Temporary Repayment Plan ( attached 3 pages ) and beginning payments XX/XX/XXXX {$6300.00} / XX/XX/XXXX $ XXXX XX/XX/XXXX {$6300.00}. After my accountant asked for it, this agreement showed up at my attorneys office 2 weeks after the first due date of XX/XX/XXXX, Supposedly it went to the wrong email address of my attorney, they did give me a 2 week grace period, to fix this but here again they just do whatever they want to, also in it, was 3 incorrect payments amounts, my accountant had to line thru them and write in the correct amounts. \n\nAnother complaint on XX/XX/XXXX I asked for a detailed loan history and received it from XXXX XXXX XXXX. However, when I asked them, they, like my accountant could not explain the charges. One of them was {$800.00}. for an appraisal {$450.00} for an appraisal another {$450.00} for another appraisal. We thought that this might be part of the charges from XX/XX/XXXX letter, number 3 labeled Corporate advances in the amount of {$5000.00} on the letter listing the charges from the attorney XXXX XXXX. But when I called XXXX XXXX XXXX they were very nice but they could not figure out the charges either. They tried several people and finally got someone in Loss Mitigation and she insisted that I was not charged for any more appraisals, even though it was right there in front of us. And it was on one of my monthly statements XXXX ( attached a copy of monthly statement XXXX ) it showed as an appraisal charge. On that same statement it has legal fees showing as {$3100.00} which is much different than Attorney XXXX XXXX 's {$1300.00} on the letter ( attached First Citizen Monthly statement XXXX ) Another statement reflects a charge of {$1000.00}. of interest taken on XXXX ( 4days after the closing ) I certainly hope the bank has not collected interest in advance. I am not sure but I believe that is some sort of infraction. ( attached First Citizens monthly statement XXXX ) The payment History was sent very quickly. I'm not sure who runs that department but they did a good job and at least tried to answer the questions. Which they could not and ended up back at XXXX 's department with hostile employees and no answers. \n\nDuring that last year of not getting ANY help from the bank, My mother passing away, XXXX and XXXX people XXXX XXXX XXXX XXXX XXXX and arranging to borrow the money that was really more than it should be to pay a sum of money to First Citizens that I nor my accountant are not even sure is correct. Im not sure how much more I can take. \nIn the beginning of XX/XX/XXXX I realized that it was taking longer to get my nerves in my back cauterized due to finishing physical therapy, insurance approval and scheduling. I was not getting any help from First Citizen so I thought I would try to get ahead and do something to make sure I did not have any problems with finances for this year coming and I could concentrate on my health. I knew my neighbor wanted to buy my back acres to the property. So I thought it would be a good thing to go ahead while real estate was high plus cutting my acreage down from XXXX acres to XXXX acres plus my house would be beneficial because XXXX acres and a house is a quicker sale than XXXX if I had something terrible happen and God forbid I had to sell my house. When I am not under a great deal of stress I am normally very good with assessing the best way to move forward but I also need the facts ( appraisals and explanations of what payments are. I keep most everything that is documentation that could help me. I found my old emails and contacted XXXX XXXX, she was Retail Customer support Specialist and she had started the process of reducing my collateral in XXXX. I realized that First Citizen had not released a piece of collateral when I refinanced in XXXX. It took quite a bit of time for them to understand that the collateral ( XXXX acres ) really should not have been held but as long as it got worked out I was not going to say anything. It had taken about XXXX and XXXX years and it was not what I had wanted but it was close and it was done by a XXXX XXXX. He seemed to be an honest man and did his best to explain things to me and be very fair. He is no longer with the bank. First Citizens seems to have a problem keeping those employees. \nThere was no longer a division that did what XXXX did so of course Loss mitigation is where I was told to go. They put me with what seemed to be a young man that seemed very inexperienced, XXXX XXXX. At first he told me he did not know that could be done and I told him we had already done it in XXXX, then he told me that yes he could do it. I had offered to put a higher amount down on my principle thinking to begin with the survey would say it was going to be XXXX XXXX to XXXX acres to sell. I even told XXXX that could change if the amount of land sold changed this should have been common sense and we would have to renegotiate that figure and he said that he understood. \nHe seemed so unsure of himself and I even asked him was he sure about all of this because I did not want to get stuck paying XXXX XXXX for a survey and this was my nest egg to help me get thru this year to get my back straightened out. I asked for someone higher up than him that could help me but he kept ignoring me. I have those emails also. He assured me he could do it but later when I found out it was just over XXXX acres to sell in the plot not close to XXXX like I had thought originally. I had reached out to XXXX XXXX from years ago to see if he was still there and to find out if he knew who I needed to speak with that was above XXXX XXXX. In XXXX I encountered XXXX XXXX, he had the same attitude problem then. \nXXXX -- -- I have an app. that records my phone calls and I told XXXX that later. I talked to XXXX about being uncomfortable with XXXX XXXX acting like he was unsure of himself. No one told me until attorney XXXX XXXX XXXX ( attorney that handles XXXX XXXX forclosures ) that XXXX was leaving the bank on the same day that I was trying to close. That gave me a clearer understanding of XXXX 's attitude A couple of months earlier I had told XXXX that I did not feel like XXXX knew what he was doing and he did not understand what I was trying to do. I told XXXX that XXXX said why didn't I take the years worth of payments and put it in a savings account and make my payments each month. How do you get to be the V.P. of anything and not know what I would think would be key vocabulary. He did not understand what deferring my payments meant for the bank to put your payments on the end of my loan, not make me put down more money that I needed to help me with my basic bills each month. The next 3 months are critical and I am very fearful. At this point I still was not sure who worked for who but XXXX assured me he would work alongside XXXX. When I asked XXXX if he was sure, that this was really important because with my back the way it is because of the wreck, I was having to watch every XXXX until I could get my back lumbar facet injections and cauterized. XXXX told me it was Mortgages and he could do what he wanted to, not to worry about it. He either forgot he said this or did not care or he was just trying to get rid of me.. \nXXXX sent me a list by email of what I needed to get done which was no problem and basically all XXXX had to do was put in for an appraisal. This began middle of XXXX and I asked XXXX to put in for the appraisal on XX/XX/XXXX when I emailed him to remind him to do it. I should not have had to remind him to do it period considering all he had to do was get the appraisal done and figure out a customer with over {$330000.00}. Dollars in equity had to put on her principal. If I could have done it myself, I would have but evidently the bank has to call and have one of these independent places that chooses one. Not hearing a word, I was getting worried so after I waited a week, I called XXXX back on XXXX XXXX to see where we were. XXXX said he had given it to a team member to handle and it evidently did not get handled. I was very upset and it was effecting my health. Finally, the appraiser called me on Saturday XX/XX/XXXX and he explained he got it on Friday XX/XX/XXXX. The appraiser apologized and said there is no way that it takes over a week from the time it is put in for it until they contact the client On XXXX XXXX we arranged for him to be at my house Monday morning at XXXX. \nI have had to waste the last month to put this account of what happened together along with the documentation. By looking at the past appraisals, you could tell that the new appraisal should come in at about {$470.00}. Which is exactly what it came in at and I had asked XXXX to tell me what the amount of my own money was to be put in to my own loan, if the appraisal came in at that amount. The attorney and I both had tried to get an idea of what they were basing this on if the maximum was {$470.00}. ( the maximum ) I checked every day hoping that the appraisal would be in so that XXXX and XXXX could negotiate with my attorney XXXX XXXX. \nComplaint -- - on the morning of XX/XX/XXXX Attorney XXXX wrote an email to XXXX and XXXX ( Email included ) explaining how the amount of acreage was less than we thought and with the amount of equity the house has, it was more than fair to First Citizen for me to put {$20000.00}. XXXX XXXX of my own money on my own principle of my own loan and for the bank to do about a year of deferred payments considering nothing had been done for me during XXXX. It was not asking too much. Two other banks said that it was terrible that it was my land and my money and other than the bank charging me some nominal charge for the little bit that it took them to figure out that {$20000.00} and was more than enough to cover 2 years plus some, of payments, bring my mortgage down to {$110000.00}. and giving me a year of differed payments would give me time to get back on my feet from XXXX and these wrecks, unless the bank was trying to get me to fail. Instead, First Citizen took 4 years of payments and no deferral. That hardly seems fair especially when an alleged crime was committed by them not giving me the appraisals when they should have. I plan to go ahead and get free from First Citizens as quickly as possible. Hopefully before the year is up. I don't like to do business with people that are nasty to older people. \n\nPlease remember I did not owe anything as a matter of fact I was ahead about {$300.00} dollars and I needed as much as I could to be able to survive this year to get my medical done and either get my XXXX, which is coming up in 2 - 3 weeks but also be able to work some when they fix this nerve in my back. Attorney XXXX explained to XXXX and XXXX in his email to them XX/XX/XXXX that I had this medical that no fault of my own. I needed to take care of this year and I wanted to pay {$20000.00}. of my money to my principle on my loan. The morning after Attorney XXXX emailed the bank, XX/XX/XXXX the appraisal came in. XXXX XXXX called me instead of calling my attorney. He explained that the bank wanted to take XXXX XXXX XXXX XXXX to put on the principle and then take another XXXX XXXX XXXX {$9000.00}. to make my payments for a year. ( again he did not understand and XXXX did not explain it to him ) He said something and I said something like what kind of a choice is that. I was so disgusted, that after all that work on my part to make sure everything was completed and XXXX did not bother to talk to XXXX about deferring my payments. I asked where was the copy of the new appraisal to help me with what was going on. He said the total was {$420000.00}. I was trying to process why it would have been low. I was having a very bad day with my back. I assumed he was called attorney XXXX next and was going to get it straight with him until I called a few hours later. XXXX never bothered calling attorney XXXX. I understand now why the Consumer Financial Protection Bureau requires the customer to have their appraisal prior to the loan closing and First Citizen should be held accountable for me not having it. If XXXX had emailed me the appraisal and called to tell me to please look over it and he would call me back in an hour that would have been all we needed to negotiate. I would have had the chance to speak to my attorney and point out this was exactly what my attorney offered the bank in his email the day before. Instead, XXXX XXXX called me when his normal avenue to communicate was email. He caught me off guard and told me the appraisal amount was {$50.00} less than it actually was. \nAccording to attorney XXXX XXXX, XXXX also did not turn in the email to get him the ok to do the release of the XXXX acres until XXXX. on Thursday XX/XX/XXXX. So now I had two problems that the bank should not have caused, that I was trying to straighten out. I could have waited a week or two to get the bank to straighten it out but considering many people were waiting on this closing, I was in a terrible position. The seller was going out of town and my friend needed the money I had borrowed from her because she was buying a house for her daughter. We had postponed the closing once and I did not want to postpone it again. I have spoken to several banks and they have all said it was so unprofessional and inhumane to have treated me like this. First Citizens made sure they got more than their fair share and I am struggling to pay my electric and my insurance and even groceries. Now XXXX has cost me XXXX when the interest rates are climbing. \nAfter closing on XX/XX/XXXX, XXXX and having to let First Citizen move my money around however they wanted to. I actually thought XXXX would want to make things right after he told me what a great Mortgage person he is. If he had spent as much time trying to help me as he did try to avoid me, we would not be in this situation. He spent extra time making sure I could not go over his head. I had spoken with one of the places that I could lodge a complaint and they told me one of the first things they would do would be to put me with a compliance department with First Citizens. So I called my branch and asked about reaching the compliance department. I was told by XXXX, the branch manager here in XXXX, that there was not a compliance department and she tried to direct me back to XXXX and even told me that she had emailed XXXX because he had directed them to contact him if I called. Trying to intimidate a person just because they are trying to get to a solution is a terrible thing to do. I can not help but be suspicious of XXXX. Monday approx. XXXX. XX/XX/XXXX, a XXXX XXXX XXXX called and identified himself as a VP of XXXX Banking and told me that the compliance department had contacted him ( the one they do not have ) and asked him if he could reach out to me to see if he could help. I asked him if he minded if I recorded the conversation even though I did not need to ask him. He got so nervous he told me that Compliance would be calling me by close of business. Im still waiting on the call over a week later. Friday XX/XX/XXXX, I went by the main branch and dropped in on XXXX XXXX. He had another addition to the story. There was no name on the email that reached out to him. And they picked him because he was my branch manager. I pointed out to him that I live in XXXX why would he be my branch. He had no answer. He just happened to be downstairs from XXXX office. Attorney XXXX XXXX tried to email me and tell me that the bank did not have anything else they could help me with and they felt like they had done everything they could do. I asked attorney XXXX XXXX to tell me by who's authority he was writing me and he never would answer me. And would not answer me about the amounts that First Citizen charged me. I felt this was another form of intimidation all the while I imagine trying to preserve the amount of business that First Citizen sends to them. \nXX/XX/XXXX The attorney that First Citizen uses, XXXX XXXX XXXX, actually wrote me a letter apologizing for how upset I was when he spoke to me the afternoon of XX/XX/XXXX. He did try to shift the blame and say things like First Citizen had always intended to get my closing done. Even though his partner in the law firm had told me it would be at least a week before they could get it done. And the Appraisers busy schedule along with coordinating with my schedule to review my home. The appraiser contacted me on Saturday and I had him out Monday morning at XXXX I would have had him come Saturday night if it would have helped hurried it along. The Appraiser, XXXX XXXX is a very nice man and seemed very thorough. Considering First Citizens has done nothing for me except take money that they had not explained and took money from me that was excessive.\n\nThere are many other bank statements showing charges that do not match up. I will be glad to produce them. \n\nWe had XXXX hours before the closing but cutting out the collateral got screwed up also because I was told XXXX did not email Attorney XXXX XXXX XXXX either with the instructions until XXXX or XXXX. for the one page document that took them about 30 minutes to do, but they had to have the go ahead and the survey. attorney XXXX XXXX had said that they did not have the survey but they did have it. We got that cleared up. They had the survey and the ok was just a couple of sentences but XXXX had to do the go ahead. \nThe first appraisal had not been put in for at all so we had to push the closing out. The first date was XX/XX/XXXX, my neighbors were going out of town and I had promised to pay my friend back because she was buying a small house for her daughter. She was kind enough to pay for that pre-forclosure thing that I was overcharged by First Citizen by putting down extra appraisals and who knows what else. That needs to be assessed by someone at First Citizens and a detailed list given then my accountant will look at it and I expect to be reimbursed for anything that I overpaid or should not have paid.\n\nHow is the mortgage banker not licensed here in South Carolina?\n\nWhat I want and/or expect : I want to be made whole again.\n\nI want First Citizen to institute a program that will listen to customers and together see if there is merit to what their complaint is. Sometimes people are just not explaining things correctly and need a little bit of help.\n\n*I want at least {$14000.00}. of my money returned to me from First Citizens immediately. I may be damaged further because of the rising interest rate and not being able to devote time to getting some sort of refinancing at another bank or loan institution. \n\n* Amounts defined in detail from letter dated XXXX XXXX from XXXX XXXX XXXX. \namount labeled 3.Corporate Advances {$5000.00} amount labeled 4. Attorney Fees {$1000.00} amount labeled 5. Attorney costs {$330.00} and the additional {$840.00}. charged to me. Added to the Temporary repayment letter and not explained.\n\nI want those amounts plus interest given back to me immediately.\n\n*I want First Citizens to be held accountable for not getting me either of the appraisals in the time frame that is allowed by law. \n*First appraisal done XX/XX/XXXX and not given to me until XXXX ( plus mailing time ) needed it for the time starting XX/XX/XXXX to do my hardship packet. \n*Second appraisal done XX/XX/XXXX and not received until XXXX ( plus mailing time ) Needed XX/XX/XXXX to work on closing amount. And work on the amount that should be paid on principle from the sale of my property. \n\n\" Addendum : First Citizens set aside a year of payments when the bank was aware that there was not a year left of payments before the balloon payment at the end of the loan which is XX/XX/XXXX. This was in a letter sent by the Manager Regional Security ServiceXXXX XXXX XXXX The letter was very threatening. '' Thank you for your time. \nXXXX XXXX XXXX XXXX XXXX XXXX. \nXXXXXXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-08-01T19:36:45.000Z","issue":"Closing on a mortgage","sub_product":"Other type of mortgage","zip_code":"29016","tags":null,"has_narrative":true,"complaint_id":"5739845","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST CITIZENS BANCSHARES, INC.","date_received":"2022-07-06T13:06:32.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["*I want First Citizens to be held accountable for not getting me either of the appraisals in the time frame that is allowed by law. \n*First appraisal done XX/XX/XXXX and not given to me until XXXX ( plus mailing time ) needed it for the time starting XX/XX/XXXX to do my hardship packet. \n*Second appraisal done XX/XX/XXXX and not received until XXXX ( plus mailing time ) Needed XX/XX/XXXX to work on closing amount."]},"sort":[4.261967,"5739845"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":6,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":6}]}},"product":{"doc_count":6,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":1},{"key":"Other type of mortgage","doc_count":1}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}},{"key":"Debt collection","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage debt","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal line of credit","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":1}]}}]}},"issue":{"doc_count":6,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Struggling to pay your loan","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Denied request to lower payments","doc_count":1}]}},{"key":"Closing on a mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Opening an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to open an account","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Took or threatened to take negative or legal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":1}]}}]}},"timely":{"doc_count":6,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":5},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":6,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":6}]}},"submitted_via":{"doc_count":6,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":6}]}},"company":{"doc_count":6,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FIRST CITIZENS BANCSHARES, INC.","doc_count":1},{"key":"Ocwen Financial Corporation","doc_count":1},{"key":"RUSHMORE LOAN MANAGEMENT SERVICES LLC","doc_count":1},{"key":"Security National Financial Corp","doc_count":1},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":1},{"key":"U.S. BANCORP","doc_count":1}]}},"state":{"doc_count":6,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"NJ","doc_count":2},{"key":"CA","doc_count":1},{"key":"SC","doc_count":1},{"key":"TX","doc_count":1},{"key":"VA","doc_count":1}]}},"company_public_response":{"doc_count":6,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":2}]}},"tags":{"doc_count":6,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}