{"took":340,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":26,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3383860","_score":25.632051,"_source":{"product":"Debt collection","complaint_what_happened":"I let care credit know that I was filing for bankruptcy XX/XX/XXXX. I received XXXX letters afterwards. I called on XX/XX/XXXX to ask why I was still receiving letters in the mail if I advised them I was going to file for bankruptcy. They insisted that they will not cease communication until they receive a case number. They admitted that their system was updated XX/XX/XXXX that a bankruptcy was pending. Hence why I was immediately transferred to the bankruptcy department since the regular customer service staff refused to speak with me. When I asked the bankruptcy department if they were supposed to stop contact with me once they were notified I was going to file for bankruptcy, they said they can contact me until they receive a case number. Im tired of being harassed. It took XXXX months for my bankruptcy petition to even be prepared. It was just signed XX/XX/XXXX and I still havent received a case number because of the backlog in court. What care credit is doing is not fair. I cant control the courts. And apparently its unlawful for them to harass me if I am in the middle of filing for bankruptcy even without a case number.","date_sent_to_company":"2019-09-24T04:45:11.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Credit card debt","zip_code":"080XX","tags":null,"has_narrative":true,"complaint_id":"3383860","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2019-09-24T00:32:45.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Contacted you instead of your attorney"},"highlight":{"complaint_what_happened":["Hence why I was immediately transferred to the <em>bankruptcy</em> <em>department</em> since the regular customer service staff refused to speak with me. When I asked the <em>bankruptcy</em> <em>department</em> if they <em>were</em> <em>supposed</em> to <em>stop</em> contact with me <em>once</em> they <em>were</em> notified I was going to file for <em>bankruptcy</em>, they said they can contact me until they receive a case number. Im tired of being harassed. It took XXXX months for my <em>bankruptcy</em> petition to even be prepared."]},"sort":[25.632051,"3383860"]},{"_index":"complaint-public-v1","_id":"7195749","_score":16.816372,"_source":{"product":"Mortgage","complaint_what_happened":"I'm writing to request assistance to address what we believe is a failure by Bank of America ( BoA ) to provide mortgage relief to homeowners such as ourselves as required by its settlement with the Department of Justice after the bank 's acquisition of XXXX XXXX  We obtained a mortgage from XXXX XXXX XXXX XXXX  operated by XXXX, to purchase a house in XXXX Texas in XXXX. As part of BoA 's settlement, it was supposed to forgive or reduce the amount owed on first and second mortgages it held and obtained as part of its acquisition of XXXX In our case, we had just exited bankruptcy in XXXX and didn't think we would have the credit history that would allow us to get a loan Ito buy a home. But when we were looking for a home, an independent broker approached us and explained how. he could help us obtain a loan despite our credit history. Ultimately, he was able to help us obtain a {$320000.00} first mortgage and an {$85000.00} second mortgage to purchase a house with no money down. But the first mortgage was a 1-year adjustable mortgage with a 9.78 % rate and a balloon payment after three years. The payments were high and after the first year the payments escalated when the rate went un Like many pennle, the financial crisis made it very difficult for us to make over {$5000.00} in monthly payments for both mortgages, even with my husband working two jobs ( I was XXXX ). \nIn XXXX  BoA sent us a home equity forgiveness letter that was supposed to expunge our second mortgage and they modified our first mortgage by changing it from a 1-year variable rate martgage to a 30-year fixed martgage that reduced the payments to {$2900.00} per month. But my husband lost his job, which made making even that payment difficult and we filed for bankruptcy again in XXXX ( XXXX XXXX ). We were able to get our first mortgage payment reduced to about {$2000.00} through the court! and continued to make those payments until my husband had XXXX XXXX XXXX in XXXX. We sought bankruptcy protection again ( XXXX XXXX ), but our request for further modification was denied. It was around XXXX that we became aware that BoA had not discharged the second mortgage but instead combined it with the first, despite our having received a release of lien on the second mortgage ( that we had misplaced until we found it again when we tried to sell our house in XXXX At that time BoA claimed that our total unpaid balance was {$430000.00}. \nWhen BoA refused to acknowledge the discharge of our second mortgage and modify our first by reducing the principal balance further, we attempted to get assistance through HUD 's Home Affordable Refinance Program ( HARP ) based on my bushand 's health conditing, hut nnthing same nf that. We stopped making mortgage payments while in bankruptcy but paid our homeowners association and insurance payments directly rather than through an escrow account. We made the court-ordered monthly payment of {$1500.00} on our non- mortgage debts from XXXX, but as we were seeking to exit bankruptcy BoA once again came in to claim that they were still owed unpaid accrued principal and interest on what was still a first and secand martgugte, but byr thar they tatalad {$74.00} XXXX. We filed for XXXX XXXX bankruptcy in XXXX to address this debt specifically, but at some point BoA sold our loan ( s ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nWe attempted to resolve this mortgage debt once and for all, first with a short sale and deed in lieu of foreclosure in XXXX and then a straight out sale as the housing market had improved in XXXX and XXXX. But by then, and although we held the deed, the combination of mistakes by BoA ( forgiveness of the second mortgage, etc. ) coupled with our multiple bankruptcies made it difficult to establish clear title to the property and who had a properly recorded lien against it. As a result, two attempts to sell our property in XXXX  were scuttled over incomplete and inaccurate information on the closing documents and disclosures and disagreements over who had a lien and whether we were entitled to any excess proceeds ( after debt extinguishment and exiting XXXX XXXX bankruptcy ). It was then that we found out that BoA had lender-placed insurance on our home, because they didn't know that we had been paying for a policy outside of any escrow, and at closing they wanted to recoup the premiums they paid but that were not necessary. We also found out during these closings that a broker fraudulently obtained a loan modification in XXXX XXXX  that we did not authorize using loan documents with our forged signatures. \nFor all of the reasons noted above, we do not beliewe that BoA ( now XXXX XXXX ) is owed what they claim they are owed, but because of the problems they helped to create we are unable to sell our house. We ask for whatever assistance you can provide, including referring this matter to those other federal agencies that might have jurisdiction over mortgage and banking matters. Thank you.","date_sent_to_company":"2023-06-29T06:22:46.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"75069","tags":"Older American","has_narrative":true,"complaint_id":"7195749","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-06-29T05:33:28.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["We <em>stopped</em> making mortgage payments while in <em>bankruptcy</em> but paid our homeowners association and insurance payments directly rather than through an escrow account. We made the court-ordered monthly payment of {$1500.00} on our non- mortgage debts from XXXX, but as we <em>were</em> seeking to exit <em>bankruptcy</em> BoA <em>once</em> again came in to claim that they <em>were</em> still owed unpaid accrued principal and interest on what was still a first and secand martgugte, but byr thar they tatalad {$74.00} XXXX."]},"sort":[16.816372,"7195749"]},{"_index":"complaint-public-v1","_id":"4279339","_score":16.22191,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX I called two times to request removals errors to my credit report. They reported that my pay status was included in bankruptcy, in XXXX and XX/XX/XXXX reported to XXXX XXXX XXXX XXXX that I was derogatory as payment status. This is & was incorrect and I have proof that Ive never missed a payment or been late in my payment history in the loan account. I requested that they placed the bankruptcy statement in the incorrect location which has most likely created the derogatory reporting, I also have repeatedly sent emails, and a copy of my credit reports to them showing what they reported. They did change one thing but not to every agency XXXX XXXX XXXX XXXX  All representatives have stated Ive never been late or missed a payment even the bankruptcy dept confirmed this as fact based on my payment history! In XXXX and XXXX I called numerous times to talk about the errors not fixed but to no avail. I received a few letters stating that they reported correctly which proves they have not investigated my payment statements as never being late. They clearly r judging and defaming me based on the bankruptcy which I was not informed I needed to reaffirm my mortgage loan as a result of my lawyer passing away prior to bankruptcy closing and his communication with peers. I did not file bankruptcy on creditors I currently had, rather my intent was to remove the judgment liens on my property. For some reason I was told I had to file bankruptcy. So again the mortgage lender refuses to read the list of errors they reported that I sent to them in XX/XX/XXXX for the year XXXX and continue to not investigate my complaint correctly. At the end of XX/XX/XXXX, I again requested that they review and remove the derogatory statements. I also mentioned I have never been late or missed a payment and the bankruptcy was in error as I did not know or understood the reaffirming actions I was supposed to do. I get that they r required to report that I filed Bankruptcy and the debt and payments was no longer reported however to report that I was derogatory in any way is false, defaming my name and reputation with an excellent payment history, therefore they must report that I PAID AS AGREED, NEVER LATE, NEVER DEROGATORY or delinquent at any time! They must remove the derogatory statements for ALL months and report that I paid as agreed. The statement they reported for, Included in bankruptcy should be included in comments section as well as statements saying that I did not reaffirm even though I still made and continue to make all payments on the mortgage loan bc my intent was not to lose my home or stop paying to them, rather my sole intent was to remove the judgment liens on my home and I was lied to and was represented by a lawyer who was very ill and no one informed me of this resulting in their failure to understand what I was requesting and needing and the actions that occurred which is bankruptcy was not able to remove once closed and after I learned of these errors and lawyers death. \n\nI want the derogatory comments removed from all credit agencies at once along with Payment Status to say the truth, that I Paid As Agreed. This lenders research department has falsely accused &, judged me by refusing to investigate the facts of my case as a result of the bankruptcy which again is delinquent on them as well as defaming my name, reputation, causing me stress, anxiety especially now since Im selling the house hopefully closing sometime this month XX/XX/XXXX. With this companys defaming comments and reporting practices I can not receive a correct interest rate on a new home due to incorrect reporting and my credit score is to low. The credit agencies should have also made the changes correctly to my account because I told them this was an error and I disputed it but again the mortgage lender repeatedly keeps saying they r required to report the bankruptcy even though I tell them they r reporting it incorrectly as a result of where they placed their statements and for some reason they continue to refuse to remove the derogatory comments for XXXX and XX/XX/XXXXXXXX XXXX  states derogatory payment status. On XXXX   report, They have XX/XX/XXXX in red which represents non payments or Negative which is false and should be removed as I have never been negative for any payments what so ever! Also, states I was derogatory for XX/XX/XXXX which is also false! \n\nI understand that they required to report that this loan was included in bankruptcy, the the fact is, it was not. Stating this shows I was derogatory or delinquent in some way therefore someone is not reporting correctly the facts about my case because yes I did file bankruptcy but like all the other creditors that were forced to close did not report or state : included in bankruptcy, because I owed them nothing and I paid as agreed. Yes I still owe mortgage lender however I make my payments on time therefore they must change the reporting errors all of the errors and if the statement, included in bankruptcy must be removed in order to bring the true facts about my payment history than they must do so and stop trying to defame my name and character. They should only include anything bankruptcy in the comments if they must say anything about it and must state I paid as agreed that Im in good standing with them and always on time. They must remove all that is incorrect. Based on bankruptcy statements all these errors to my credit reports is causing confusion for all therefore it must be removed and added in a place where it does not affect my payment history or my willingness to pay. It must be removed at once!!!","date_sent_to_company":"2021-04-07T18:08:15.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95354","tags":"Servicemember","has_narrative":true,"complaint_id":"4279339","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2021-04-07T16:30:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I also mentioned I have never been late or missed a payment and the <em>bankruptcy</em> was in error as I did not know or understood the reaffirming actions I was <em>supposed</em> to do."]},"sort":[16.22191,"4279339"]},{"_index":"complaint-public-v1","_id":"4278558","_score":16.22191,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX I called two times to request removals errors to my credit report. They reported that my pay status was included in bankruptcy, in XXXX and XX/XX/XXXX reported to XXXX, XXXX and transunion that I was derogatory as payment status. This is & was incorrect and I have proof that Ive never missed a payment or been late in my payment history in the loan account. I requested that they placed the bankruptcy statement in the incorrect location which has most likely created the derogatory reporting, I also have repeatedly sent emails, and a copy of my credit reports to them showing what they reported. They did change one thing but not to every agency transunion, XXXX  and XXXX. All representatives have stated Ive never been late or missed a payment even the bankruptcy dept confirmed this as fact based on my payment history! In XXXX and XXXX I called numerous times to talk about the errors not fixed but to no avail. I received a few letters stating that they reported correctly which proves they have not investigated my payment statements as never being late. They clearly r judging and defaming me based on the bankruptcy which I was not informed I needed to reaffirm my mortgage loan as a result of my lawyer passing away prior to bankruptcy closing and his communication with peers. I did not file bankruptcy on creditors I currently had, rather my intent was to remove the judgment liens on my property. For some reason I was told I had to file bankruptcy. So again the mortgage lender refuses to read the list of errors they reported that I sent to them in XX/XX/XXXX for the year XXXX and continue to not investigate my complaint correctly. At the end of XX/XX/XXXX, I again requested that they review and remove the derogatory statements. I also mentioned I have never been late or missed a payment and the bankruptcy was in error as I did not know or understood the reaffirming actions I was supposed to do. I get that they r required to report that I filed Bankruptcy and the debt and payments was no longer reported however to report that I was derogatory in any way is false, defaming my name and reputation with an excellent payment history, therefore they must report that I PAID AS AGREED, NEVER LATE, NEVER DEROGATORY or delinquent at any time! They must remove the derogatory statements for ALL months and report that I paid as agreed. The statement they reported for, Included in bankruptcy should be included in comments section as well as statements saying that I did not reaffirm even though I still made and continue to make all payments on the mortgage loan bc my intent was not to lose my home or stop paying to them, rather my sole intent was to remove the judgment liens on my home and I was lied to and was represented by a lawyer who was very ill and no one informed me of this resulting in their failure to understand what I was requesting and needing and the actions that occurred which is bankruptcy was not able to remove once closed and after I learned of these errors and lawyers XXXX \n\nI want the derogatory comments removed from all credit agencies at once along with Payment Status to say the truth, that I Paid As Agreed. This lenders research department has falsely accused &, judged me by refusing to investigate the facts of my case as a result of the bankruptcy which again is delinquent on them as well as defaming my name, reputation, causing me XXXX XXXX  especially now since Im selling the house hopefully closing sometime this month XX/XX/XXXX. With this companys defaming comments and reporting practices I can not receive a correct interest rate on a new home due to incorrect reporting and my credit score is to low. The credit agencies should have also made the changes correctly to my account because I told them this was an error and I disputed it but again the mortgage lender repeatedly keeps saying they r required to report the bankruptcy even though I tell them they r reporting it incorrectly as a result of where they placed their statements and for some reason they continue to refuse to remove the derogatory comments for XXXX and XX/XX/XXXX. XXXX states derogatory payment status. On XXXX report, They have XX/XX/XXXX in red which represents non payments or Negative which is false and should be removed as I have never been negative for any payments what so ever! Also, states I was derogatory for XX/XX/XXXX which is also false! \n\nI understand that they required to report that this loan was included in bankruptcy, the the fact is, it was not. Stating this shows I was derogatory or delinquent in some way therefore someone is not reporting correctly the facts about my case because yes I did file bankruptcy but like all the other creditors that were forced to close did not report or state : included in bankruptcy, because I owed them nothing and I paid as agreed. Yes I still owe mortgage lender however I make my payments on time therefore they must change the reporting errors all of the errors and if the statement, included in bankruptcy must be removed in order to bring the true facts about my payment history than they must do so and stop trying to defame my name and character. They should only include anything bankruptcy in the comments if they must say anything about it and must state I paid as agreed that Im in good standing with them and always on time. They must remove all that is incorrect. Based on bankruptcy statements all these errors to my credit reports is causing confusion for all therefore it must be removed and added in a place where it does not affect my payment history or my willingness to pay. It must be removed at once!!!","date_sent_to_company":"2021-04-07T18:08:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95354","tags":"Servicemember","has_narrative":true,"complaint_id":"4278558","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-04-07T18:08:37.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I also mentioned I have never been late or missed a payment and the <em>bankruptcy</em> was in error as I did not know or understood the reaffirming actions I was <em>supposed</em> to do."]},"sort":[16.22191,"4278558"]},{"_index":"complaint-public-v1","_id":"4278559","_score":16.185772,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX I called two times to request removals errors to my credit report. They reported that my pay status was included in bankruptcy, in XXXX and XX/XX/XXXX reported to equifax, XXXX  and XXXX that I was derogatory as payment status. This is & was incorrect and I have proof that Ive never missed a payment or been late in my payment history in the loan account. I requested that they placed the bankruptcy statement in the incorrect location which has most likely created the derogatory reporting, I also have repeatedly sent emails, and a copy of my credit reports to them showing what they reported. They did change one thing but not to every agency XXXX, equifax and XXXX. All representatives have stated Ive never been late or missed a payment even the bankruptcy dept confirmed this as fact based on my payment history! In XXXX and XXXX I called numerous times to talk about the errors not fixed but to no avail. I received a few letters stating that they reported correctly which proves they have not investigated my payment statements as never being late. They clearly r judging and defaming me based on the bankruptcy which I was not informed I needed to reaffirm my mortgage loan as a result of my lawyer passing away prior to bankruptcy closing and his communication with peers. I did not file bankruptcy on creditors I currently had, rather my intent was to remove the judgment liens on my property. For some reason I was told I had to file bankruptcy. So again the mortgage lender refuses to read the list of errors they reported that I sent to them in XX/XX/XXXX for the year XXXX and continue to not investigate my complaint correctly. At the end of XX/XX/XXXX, I again requested that they review and remove the derogatory statements. I also mentioned I have never been late or missed a payment and the bankruptcy was in error as I did not know or understood the reaffirming actions I was supposed to do. I get that they r required to report that I filed Bankruptcy and the debt and payments was no longer reported however to report that I was derogatory in any way is false, defaming my name and reputation with an excellent payment history, therefore they must report that I PAID AS AGREED, NEVER LATE, NEVER DEROGATORY or delinquent at any time! They must remove the derogatory statements for ALL months and report that I paid as agreed. The statement they reported for, Included in bankruptcy should be included in comments section as well as statements saying that I did not reaffirm even though I still made and continue to make all payments on the mortgage loan bc my intent was not to lose my home or stop paying to them, rather my sole intent was to remove the judgment liens on my home and I was lied to and was represented by a lawyer who was very ill and no one informed me of this resulting in their failure to understand what I was requesting and needing and the actions that occurred which is bankruptcy was not able to remove once closed and after I learned of these errors and lawyers XXXX. \n\nI want the derogatory comments removed from all credit agencies at once along with Payment Status to say the truth, that I Paid As Agreed. This lenders research department has falsely accused &, judged me by refusing to investigate the facts of my case as a result of the bankruptcy which again is delinquent on them as well as defaming my name, reputation, causing me XXXX XXXX especially now since Im selling the house hopefully closing sometime this month XX/XX/XXXX. With this companys defaming comments and reporting practices I can not receive a correct interest rate on a new home due to incorrect reporting and my credit score is to low. The credit agencies should have also made the changes correctly to my account because I told them this was an error and I disputed it but again the mortgage lender repeatedly keeps saying they r required to report the bankruptcy even though I tell them they r reporting it incorrectly as a result of where they placed their statements and for some reason they continue to refuse to remove the derogatory comments for XXXX and XX/XX/XXXX. Equifax states derogatory payment status. On XXXX  report, They have XX/XX/XXXX in red which represents non payments or Negative which is false and should be removed as I have never been negative for any payments what so ever! Also, states I was derogatory for XX/XX/XXXX which is also false! \n\nI understand that they required to report that this loan was included in bankruptcy, the the fact is, it was not. Stating this shows I was derogatory or delinquent in some way therefore someone is not reporting correctly the facts about my case because yes I did file bankruptcy but like all the other creditors that were forced to close did not report or state : included in bankruptcy, because I owed them nothing and I paid as agreed. Yes I still owe mortgage lender however I make my payments on time therefore they must change the reporting errors all of the errors and if the statement, included in bankruptcy must be removed in order to bring the true facts about my payment history than they must do so and stop trying to defame my name and character. They should only include anything bankruptcy in the comments if they must say anything about it and must state I paid as agreed that Im in good standing with them and always on time. They must remove all that is incorrect. Based on bankruptcy statements all these errors to my credit reports is causing confusion for all therefore it must be removed and added in a place where it does not affect my payment history or my willingness to pay. It must be removed at once!!!","date_sent_to_company":"2021-04-07T18:08:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95354","tags":"Servicemember","has_narrative":true,"complaint_id":"4278559","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-04-07T18:08:37.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I also mentioned I have never been late or missed a payment and the <em>bankruptcy</em> was in error as I did not know or understood the reaffirming actions I was <em>supposed</em> to do."]},"sort":[16.185772,"4278559"]},{"_index":"complaint-public-v1","_id":"4278560","_score":16.155367,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX I called two times to request removals errors to my credit report. They reported that my pay status was included in bankruptcy, in XXXX and XX/XX/XXXX reported to XXXX, Experian and XXXX  that I was derogatory as payment status. This is & was incorrect and I have proof that Ive never missed a payment or been late in my payment history in the loan account. I requested that they placed the bankruptcy statement in the incorrect location which has most likely created the derogatory reporting, I also have repeatedly sent emails, and a copy of my credit reports to them showing what they reported. They did change one thing but not to every agency transunion, equifax and experian. All representatives have stated Ive never been late or missed a payment even the bankruptcy dept confirmed this as fact based on my payment history! In XXXX and XXXX I called numerous times to talk about the errors not fixed but to no avail. I received a few letters stating that they reported correctly which proves they have not investigated my payment statements as never being late. They clearly r judging and defaming me based on the bankruptcy which I was not informed I needed to reaffirm my mortgage loan as a result of my lawyer XXXX XXXX prior to bankruptcy closing and his communication with peers. I did not file bankruptcy on creditors I currently had, rather my intent was to remove the judgment liens on my property. For some reason I was told I had to file bankruptcy. So again the mortgage lender refuses to read the list of errors they reported that I sent to them in XX/XX/XXXX for the year XXXX and continue to not investigate my complaint correctly. At the end of XX/XX/XXXX, I again requested that they review and remove the derogatory statements. I also mentioned I have never been late or missed a payment and the bankruptcy was in error as I did not know or understood the reaffirming actions I was supposed to do. I get that they r required to report that I filed Bankruptcy and the debt and payments was no longer reported however to report that I was derogatory in any way is false, defaming my name and reputation with an excellent payment history, therefore they must report that I PAID AS AGREED, NEVER LATE, NEVER DEROGATORY or delinquent at any time! They must remove the derogatory statements for ALL months and report that I paid as agreed. The statement they reported for, Included in bankruptcy should be included in comments section as well as statements saying that I did not reaffirm even though I still made and continue to make all payments on the mortgage loan bc my intent was not to lose my home or stop paying to them, rather my sole intent was to remove the judgment liens on my home and I was lied to and was represented by a lawyer who was very XXXX and no one informed me of this resulting in their failure to understand what I was requesting and needing and the actions that occurred which is bankruptcy was not able to remove once closed and after I learned of these errors and lawyers XXXX \n\nI want the derogatory comments removed from all credit agencies at once along with Payment Status to say the truth, that I Paid As Agreed. This lenders research department has falsely accused &, judged me by refusing to investigate the facts of my case as a result of the bankruptcy which again is delinquent on them as well as defaming my name, reputation, causing me stress, anxiety especially now since Im selling the house hopefully closing sometime this month XX/XX/XXXX. With this companys defaming comments and reporting practices I can not receive a correct interest rate on a new home due to incorrect reporting and my credit score is to low. The credit agencies should have also made the changes correctly to my account because I told them this was an error and I disputed it but again the mortgage lender repeatedly keeps saying they r required to report the bankruptcy even though I tell them they r reporting it incorrectly as a result of where they placed their statements and for some reason they continue to refuse to remove the derogatory comments for XXXX and XX/XX/XXXX. XXXX states derogatory payment status. On Experian report, They have XX/XX/XXXX in red which represents non payments or Negative which is false and should be removed as I have never been negative for any payments what so ever! Also, states I was derogatory for XX/XX/XXXX which is also false! \n\nI understand that they required to report that this loan was included in bankruptcy, the the fact is, it was not. Stating this shows I was derogatory or delinquent in some way therefore someone is not reporting correctly the facts about my case because yes I did file bankruptcy but like all the other creditors that were forced to close did not report or state : included in bankruptcy, because I owed them nothing and I paid as agreed. Yes I still owe mortgage lender however I make my payments on time therefore they must change the reporting errors all of the errors and if the statement, included in bankruptcy must be removed in order to bring the true facts about my payment history than they must do so and stop trying to defame my name and character. They should only include anything bankruptcy in the comments if they must say anything about it and must state I paid as agreed that Im in good standing with them and always on time. They must remove all that is incorrect. Based on bankruptcy statements all these errors to my credit reports is causing confusion for all therefore it must be removed and added in a place where it does not affect my payment history or my willingness to pay. It must be removed at once!!!","date_sent_to_company":"2021-04-07T18:08:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95354","tags":"Servicemember","has_narrative":true,"complaint_id":"4278560","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-04-07T18:08:37.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I also mentioned I have never been late or missed a payment and the <em>bankruptcy</em> was in error as I did not know or understood the reaffirming actions I was <em>supposed</em> to do."]},"sort":[16.155367,"4278560"]},{"_index":"complaint-public-v1","_id":"1406121","_score":15.9555435,"_source":{"product":"Consumer Loan","complaint_what_happened":"Re : Complaint for Drive time Car Payment Credit Bureau ReportingTHE PROBLEM : Today, I was informed that there is a problem with re-reporting my car payment to the credit bureaus from Drive Time Financial by their own customer service. Specifically, I spoke with XXXX in Customer Service, who is a supervisor. I was told that XXXX supervisors above her rank were in XXXX for a company event ( XXXX XXXX and XXXX ), but I could email their address with my complaint. So, I decided to write my letter once ( because it is extensive ) and address all parties involved ; including the FTC and Consumer Financial Protection Bureau. I was asked to contact them per the credit bureaus whom I spoke with directly at XXXX and XXXX ; whom I also asked to report this incident, while opening an investigation. \n( So, please forgive if there are any typos within the document below, as I am a XXXX student and single mom, who had to drop all that she was doing in order to send this letter because I was so upset by this matter ). \n\nWhat is not clear within this conversation is 'why ' I was denied a reporting of my payment, due to a bankruptcy ; even though I have had this payment for over a year with initial reporting. Also, the paperwork clearly stated from the original Drive Time location that this would NOT be included within the Bankruptcy. And, in fact it is impossible for it to have been included ; as my bankruptcy attorney knew nothing of this account. In fact, it was reported AFTER the bankruptcy to the credit reports for several months and then abruptly stopped. This was a post-bankruptcy car loan ; which makes no difference. \n\nIn fact, I do n't even know how anyone except for the originators of the loan would even have any information about Bankruptcy ; as this was the only time I have ever needed to mention it. And, it would be expressly illegal to state that a company can re-review a customer 's credit file periodically without their permission. Therefore, I am deeply confused about how the customer service representative knew when I called today. In addition, she stated that Drive Time had just 'found out ' about the Bankruptcy two weeks ago. I am unsure of what that means, as this would be against Federal credit law, if it had n't been included in the original paperwork. In addition, I asked for this situation to be investigated over 2 months ago with their customer service, and constantly got the run around. I spoke also with another supervisor there today ( XXXX x XXXX ), who reluctantly finally told me the truth. This truth was that supposedly ALL bankruptcies ( even those from before customers acquired their Drive Time car payments ) would NOT be allowed to have their particular payments reported to the credit bureaus. \n\nDRIVETIME CUSTOMER SERVICE 'S HANDLING OF THIS ISSUEI am unsure of if the customer service agent was supposed to have told me this before she transferred me, but XXXX confirmed that it was Drive Time 's new policy after they had \" updated '' their system in XXXX of 2014. This was when they had originally stopped reporting. This was also the first time that I had been told this after almost 3 months of calling. And even then, I was given at least XXXX different reasons for this happening. The first was that the new system would NOT allow for this to be reported and that NOONE there could figure out actually HOW to do it as of yet. It has been over 9 mos., so I doubt that. But, this is exactly why also ( supposedly ) that the only way I could get ANYTHING in writing regarding this new policy ( period ) was to have a \" credit letter '' sent to me by the credit department, stating that I was making payments. However ; there was no 'definite ' time period for when they could EVER report for anyone who has had a bankruptcy, even before they had their car payments. \n\nThis is an unbelievable credit discrimination case.","date_sent_to_company":"2015-06-08T19:37:21.000Z","issue":"Taking out the loan or lease","sub_product":"Vehicle loan","zip_code":"23602","tags":null,"has_narrative":true,"complaint_id":"1406121","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DriveTime","date_received":"2015-06-04T03:53:44.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In fact, it was reported AFTER the <em>bankruptcy</em> to the credit reports for several months and then abruptly <em>stopped</em>. This was a post-<em>bankruptcy</em> car loan ; which makes no difference. \n\nIn fact, I do n't even know how anyone except for the originators of the loan would even have any information about <em>Bankruptcy</em> ; as this was the only time I have ever needed to mention it."]},"sort":[15.9555435,"1406121"]},{"_index":"complaint-public-v1","_id":"3207028","_score":15.13641,"_source":{"product":"Mortgage","complaint_what_happened":"Hello, I am reaching out to file a complaint against PNC Mortgage company. I received a letter from PNC dated XX/XX/2019, allowing me another opportunity to apply for a loan modification. I did on XX/XX/2019. I received a second letter requesting information dated XX/XX/2019, and I provided the information required except for the information I was not required to submit confirmed by the servicer. While applying for a loan modification PNCs attorney was pushing forward the foreclosure while my application was under review and before PNC made a decision on my application ( please see attachments ). I started receiving letters to Save my Home. I did not pay any of the letters any mind because my application was under review. \n\nOn XX/XX/2019, I received a letter in the mail dated for XX/XX/2019, from PNC stating my application was incomplete. It states I failed to provide the required documents. All required documents PNC requested was provided to them except for the documents I was not required to send per the loan servicer. According to CFPB, the servicer is required to inform me of any missing information, that did not happen. Also, in the denial letter, it did not specify which documents I did not submit. According to CFPB servicer are required to identify documents that were not received. That Friday on XX/XX/XXXX, I found out my home was sold in an Auction to a third party person name XXXX XXXX on XX/XX/2019. This did not allow time for me to remedy the situation. There was a disconnect within PNCs department and it was not on my part. \n\nI provided all the documents the servicer needed. I received a letter from PNC stating they were given permission by my Bankruptcy Attorney XXXX XXXX to communicate with me directly. When I made inquiries regarding my application decision, the servicer by the name of XXXX stated that they were not giving permission to communicate with me directly because of my bankruptcy attorney. That is false is I have the letter to confirm PNC was given permission to communicate with me. \n\nI spoke to a PNC foreclosure representative on XX/XX/2019 by the name of XXXX and she was very helpful to me not once, but twice. She said I did not submit the child support information, but I was not required per the letter received from PNC. When I called on XX/XX/2019 I spoke to XXXX again and she did forward a complaint to PNC. The person who was supposed to be handling my complaint was XXXX XXXX ref # XXXX and she provided me her phone number and I left her a message on XX/XX/2019. I never received a return call. I did speak with XXXX XXXX and he was kind enough to assist me and see what he could find out, but neither loss mitigation or the foreclosure department responded to his inquiry. \n\nAlso on a letter I received it states PNC would contact me regularly to ensure all required documents are received, no one contacted me. If I was not required to submit child support, Alimony, and Separation income documents why was it penalized against me in my loan modification application when I was not required to submit? Why PNC did not identify in their denial letter what documents were missing prior to the sale date? Last, Should I have been faced with a foreclosure sale while my application was under review or evaluated? Can this be stopped immediately after a foreclosure sale date? Can I get my home back? \n\nThe servicer did not contact me to say hey, XXXX you are missing the following documents, please submit no later than this date. \n\nIs this legal, is PNC allowed to do this? The ratification sale has not been finalized and I want to keep my home, but I want to hold PNC responsible for negligence on failing to communicate with me directly on any information needed and while my application was under review and to move forward in Foreclosure. \n\nI have an XXXX-year-old son who has XXXX and I need and would like to keep my home for him and my other XXXX children. I want to keep my home. At the moment I can not afford an attorney to pursue any legal actions and I need help. If you can be any of the assistance I want to keep my home and stop the ratification sale to resolve this issue with PNC. I would like to reverse the mortgage back to me as the owner and borrower and for PNC to reimburse Mr. XXXX back his money because it was an error on their part. No one seems they can help me and after reading the rules and regulations, I feel CFPB can assist me. I am willing to pay the bidder his deposit back as a down payment for the balance I owe, something to retain my home. \n\nI also work as a XXXX XXXX  XXXX  and this will definitely negatively impact my security clearance. I am willing to pay I have a steady job or at least provide the opportunity to apply again for the loan modification. \n\nPNC did not identify what missing documents nor in their denial identify which missing documents. I provided all the necessary documentation and they had all the rights to communicate with me. I need help and fast. \n\nI was told to make calls to the foreclosure department at PNC, the courthouse I was instructed to do by PNCs foreclosures department to contact the sheriff 's department to find out a notice to vacate. I called just about almost anybody who could help me, no one can help or dont seem to have the answers. I heard from everyone else besides XXXX XXXX the servicer who was supposed to be handling my application. \n\nPlease assist me! \n\nDesperate mom trying to keep her home! \n\nThank you! \nXXXX XXXX","date_sent_to_company":"2019-04-09T23:45:16.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"20747","tags":null,"has_narrative":true,"complaint_id":"3207028","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2019-04-09T22:48:23.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I received a letter from PNC stating they <em>were</em> given permission by my <em>Bankruptcy</em> Attorney XXXX XXXX to communicate with me directly. When I made inquiries regarding my application decision, the servicer by the name of XXXX stated that they <em>were</em> not giving permission to communicate with me directly because of my <em>bankruptcy</em> attorney. That is false is I have the letter to confirm PNC was given permission to communicate with me."]},"sort":[15.13641,"3207028"]},{"_index":"complaint-public-v1","_id":"21618819","_score":14.35897,"_source":{"product":"Student loan","complaint_what_happened":"On XX/XX/XXXX, my son, the primary borrower on this private student loan, filed XXXX XXXX bankruptcy. I remained the non filing co-signer on the account, and we live at the same address. Before this issue, the account had about XXXX years of perfect on time payment history. \n\nAfter the bankruptcy filing, Sallie Mae XXXX online portal access and canceled the existing autopay arrangement. At the same time, monthly statements and mailed notices stopped coming to our home. Neither my son nor I received clear notice or instructions explaining how payments were supposed to be made during that period. Online access was not restored until after discharge, and only after my son received a credit alert on XX/XX/XXXX and called customer service. That same day, a payment was made to bring the account current, and on XX/XX/XXXX, another payment was made to cover the XX/XX/XXXX payment. I did not begin receiving late notices until after online access had been restored and the delinquency had already been paid. Because we share the same address, it appears Sallie Mae may have stopped sending notices during the bankruptcy period, yet no explanation or alternative payment instructions were ever provided. As a result, the account fell behind without meaningful notice, and Sallie Mae later reported it as XXXX days late for XX/XX/XXXX. \n\nMy son also had another student loan with a different servicer, XXXX, during the same period. That account was not handled in the same way and did not result in comparable late reporting, which makes XXXX XXXX handling of this account even harder to understand. \n\nOnce access was restored and the delinquency became known, the account was promptly brought current and has remained in good standing since. In fact, after the XX/XX/XXXX payment brought the account current, the XX/XX/XXXX payment put the account XXXX month ahead. Even so, Sallie Mae refused to correct the XX/XX/XXXX late reporting. I disputed the matter, but the response did not address the central issue : this delinquency followed Sallie Maes own servicing actions, including disabling account access, canceling autopay, and stopping mailed communications, without giving either the borrower or the non filing co-signer a clear way to monitor the account and avoid delinquency. \n\nThis has had a real impact on my life. On XX/XX/XXXX, I was forced to walk away from a home purchase because this derogatory mark affected my mortgage financing and created a serious risk that the transaction would not close. Since then, I have delayed my home search for about XXXX months while trying to fix this problem before moving forward. I have spent hours on the phone with Sallie Mae. I had my son write to its Customer Advocacy department. I sent multiple letters to Sallie Maes executive offices. I submitted disputes to all major credit bureaus.I also consulted with multiple law firms that handle FCRA matters to better understand my rights and how to address this dispute. Everything I have done has been an effort to limit the financial damage this reporting has caused. \n\nThe harm has not been only financial. This has been deeply stressful. It has strained my relationship with my son and led to conflict within my family. At the same time, I am still living in housing that is not in livable condition, and my rent is expected to increase substantially. I understand this issue may take time to resolve, but the longer this reporting stays on our files, the more damage it causes. \n\nI respectfully ask for CFPBs help in requiring Sallie Mae to review this matter fairly and correct the XX/XX/XXXX late payment reporting. I am not asking for special treatment. I am asking Sallie Mae to address whether it is fair and accurate to continue reporting this delinquency when the missed payment followed Sallie Maes own servicing disruptions and lack of notice, rather than an ordinary failure or refusal to pay.","date_sent_to_company":"2026-04-27T06:34:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Private student loan","zip_code":"33404","tags":null,"has_narrative":true,"complaint_id":"21618819","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2026-04-27T05:29:47.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Because we share the same address, it appears Sallie Mae may have <em>stopped</em> sending notices during the <em>bankruptcy</em> period, yet no explanation or alternative payment instructions <em>were</em> ever provided. As a result, the account fell behind without meaningful notice, and Sallie Mae later reported it as XXXX days late for XX/XX/XXXX. \n\nMy son also had another student loan with a different servicer, XXXX, during the same period."]},"sort":[14.35897,"21618819"]},{"_index":"complaint-public-v1","_id":"3465764","_score":13.353172,"_source":{"product":"Student loan","complaint_what_happened":"I took out two private student loans through XXXX XXXX  when I was in college and my dad co-signed on both loans. Five and a half years ago my parents filed chapter XXXX bankruptcy and these two student loans were pulled into their bankruptcy and repayment plan. At that time XXXX XXXX  marked both loans as bankruptcy so I lost all visibility to these loans online, and I don't mail checks so I had no idea where to send a payment to or what to do. I called XXXX XXXX twice, both times I was told I had to talk to the bankruptcy department and the representative for Iowa was out so they put me in her voicemail. I left two voicemails explaining that I still wanted to pay on these loans and asked for help on how I could do that. No one from XXXX XXXX  ever called me back, so I talked to my dad who talked to his bankruptcy lawyer. His bankruptcy lawyer told me to stop paying on the loans and just leave them as is because the repayment plan will take care of them. \n\nFast forward five years, I have heard nothing about these student loans and as far as I know they have been resolved. XX/XX/2019 I get an email from XXXX  saying that my credit score had changed. I reviewed my credit report and saw that a company called Firstmark dinged my credit for a late payment on a loan. Firstmark was not a company I had any accounts with that I knew of, so I filed a dispute with XXXX  stating the accounts were in bankruptcy knowing that it had to be related to the bankruptcy since it was not an open account I paid on regularly. XXXX  said it would take 60 days to resolve the dispute. \n\nXX/XX/2019 I get another email alert from XXXX  saying that my credit score changed again. I reviewed the report again and my credit score dropped almost 150 points because Firstmark dinged my credit for the second time saying I am now 60 days past due on these random loans. My score went from XXXX to XXXX. \n\nI have no idea what is going on, so I reach out to my dad and he said he doesn't understand because his bankruptcy was discharged in XX/XX/2019 so he thought everything was done and resolved. He sends me the discharge papers and there are two loans from Firstmark on the papers showing a {$1000.00} balance left. I have nothing from Firstmark, I didn't even know that they bought out my XXXX loans so I XXXX  them and was able to create an account online with my social security number. I log onto my account and see that they show I owe over {$4000.00} instead of {$1000.00}. \n\nIt is still early XXXX and I call Firstmark to see what is going on, and get my credit report fixed. I explained the bankruptcy situation to the first customer service representative that I talked to and she responded with 'statements are just a courtesy, we don't have to notify you when your payment is due so you have to pay even though you didn't get a statement '. I asked to speak to a manager, because she had no idea what bankruptcy meant. She transferred me to an escalation agent, not a manager. I told the escalation agent the situation and asked if I paid the accounts current that they would remove the ding from my credit report. The agent said he could write up the request but it would only be denied. I asked him how I was supposed to know that these accounts were open, had a balance remaining on them, and that they were now past due. I explained that if it was not for XXXX alerting me to a credit report change I still would not have known about these accounts. The agent said he sympathized but that basically they expected me to follow the loans all the way through the bankruptcy and once it was over to start paying on them again. I advised the agent that my parents bankruptcy was discharged in XXXX so why have I not heard from anyone, or received any statements. The agent responded and said that they didn't know the bankruptcy was discharged, so they left the accounts marked as bankruptcy so legally they can't notify me of anything. I responded with, so you don't have to notify me of any amount I owe, or that my accounts are past due but you can ding my credit for it? The agent responded with, yes I don't like it but that is how it is. \n\nI then asked the agent about the discrepancy between the amounts owed, how the bankruptcy papers say that I owe {$1000.00} and Firstmark says I owe over {$4000.00}. He said it was probably a little off since they bought the loans from XXXX XXXX, and I said it's {$3000.00} off so he said to send in a copy of the discharge papers and they will review them. I asked him how they would contact me since he just told me they legally can't call me, and he said he put a request in the message for a phone call back. \n\nOn Monday XX/XX/XXXX I send in a copy of the discharge papers and ask that an agent calls me back to discuss after reviewing the documents. On Wednesday XX/XX/XXXX someone from Firstmark emails me back saying that they noticed I called in and talked to someone on Monday so my question has been closed out because I got the answer I was looking for. On that same day I emailed them back stating that the agent on that phone call told me send these papers in, and that I need someone in their bankruptcy department to review them and call me back to discuss. On Friday XX/XX/XXXX someone from Firstmark responds and says they have forwarded my documents on to review and someone will contact me in 7-10 business days. \n\nOn XX/XX/XXXX I email Firstmark again, because I have not heard from anyone, and ask for an update on the status of the document review and for a phone call to discuss. \n\nOn Friday XX/XX/XXXX someone from Firstmark emails me stating that the payments from the bankruptcy did not take interest into consideration and that is what the {$3000.00} difference is, that they can not comment on anything related to bankruptcies but to reach out to the co-signer or lawyer for more information. They also said they would send me a copy of the payment history to review, but no one ever called me to discuss after I asked multiple times. \n\nAt this point I reach out to a financial help group and members of that group said to get a lawyer to help me fix my credit and negotiate the remaining debt. I reached out to a bankruptcy lawyer in XXXX XXXX who referred me to a student loan lawyer who said she would not help me. I called my work benefits that provide free legal advice and referrals, and they referred me to a civil lawyer who referred me back to a bankruptcy/credit reporting lawyer or to try XXXX XXXX XXXX XXXX agency. I reached out to XXXX XXXX XXXX XXXX and they said they do not work with student loans but suggested I file a complaint on this website to get Firstmark to work with me. \n\nI have not tried contacting Firstmark again since their last email on XX/XX/2019, but I have paid the accounts current to prevent further damage to my credit report. \n\nI pay all of my accounts and I work hard to have a good credit rating, but I feel like Firstmark doesn't understand what bankruptcy is or how it works nor do they care about working with me in a fair manner. Anytime I tried to discuss bankruptcy with Firstmark they either dismissed me or told me to contact a lawyer. When I asked for help they dismissed me, even when I did what they told me to do they still didn't do what they say they would do in regards to reviewing the discharge papers and calling me back. \n\nAt this point you are my only hope, because I can't get Firstmark to work with me and lawyers keep referring me to other lawyers. Anything you can do to help me negotiate with Firstmark would be greatly appreciated.","date_sent_to_company":"2019-12-12T06:15:57.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"50266","tags":null,"has_narrative":true,"complaint_id":"3465764","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2019-12-12T00:14:07.000Z","state":"IA","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["I asked him how I was <em>supposed</em> to know that these accounts <em>were</em> open, had a balance remaining on them, and that they <em>were</em> now past due. I explained that if it was not for XXXX alerting me to a credit report change I still would not have known about these accounts. The agent said he sympathized but that basically they expected me to follow the loans all the way through the <em>bankruptcy</em> and <em>once</em> it was over to start paying on them again."]},"sort":[13.353172,"3465764"]},{"_index":"complaint-public-v1","_id":"6090120","_score":12.686415,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX- this was NOT a charge off it was an auto loan paid in full. This account was NOT included in the bankruptcy. I was made to pay over {$2000.00} to reaffirm this debt during the bankruptcy. After making the payment to affirm the debt there was only {$6000.00} roughly left to pay. It was traded in on a XXXXXXXX XXXX XXXX financed by XXXX XXXX XXXX. ( the collections account carried by XXXX XXXX  that I have agreed to settle ) XXXX  XXXX paid the XXXX XXXX off in full. ( debt through XXXX XXXX XXXX ) this loan was also almost carried to term with 100 % on time payments. XXXX XXXX failed to ever report the loan as they should have during the course of the loan. The reaffirm payment was made in the same month as the trade in, i also never received the {$2200.00} back i paid to affirm it. \n\n\nXXXX XXXX XXXX  loan- this loan was also carried almost full term. It was awarded to my ex-wife in the divorce along with the payment. She however let it be repossessed after numerous attempts on my behalf to reclaim the XXXX  and pick the payments back up but was refused. The XXXX was then auctioned off leaving only just under {$1000.00} to pay off. This auto loan was said to be at 23 % APR however the purchase price of the XXXX  and the amount financed in total was {$23000.00} and at the time of the repossession almost {$30000.00} had already been paid on the loan with a remaining balance of {$11000.00}. The sale of the XXXX  bringing in {$10000.00} XXXX XXXX has more than recouped the amount loaned as well as made 100 % profit from the interest charges. They are being greedy. I have agreed to pay XXXX XXXX {$150.00} to settle the outstanding balance of {$960.00}, as such XXXX XXXX promises report the account as paid in full.XXXX XXXX is the collections department for this loan .This loan is also listed on my credit report as 2 bad debts for the same loan once by XXXX  XXXX and again by the collections department. \n\nXXXX  XXXX XXXX/ XXXX XXXX $ XXXX This was a credit card opened by me, i got behind on it during the divorce. It was then charged off as bad debt ; it is listed on my credit report twice, once for XXXX XXXX and second for XXXX XXXX. This is one debt. It shows to be a closed account and charged off yet it lists on my credit report as in collections. I am under the understanding that once the debt is charged off it can no longer be paid there for all collections should stop. It is still accruing days late when the account is charged off as such hurting my credit. \n\nXXXX  XXXX XXXX XXXX XXXX $ XXXX I am unsure of the ownership of this account as it was said to be opened just before my divorce. I do not recall having this card. Regardless it as well is charged off as bad debt, yet is listed twice on my report and also still accrues late remarks hurting my credit. It as well should not be in collections as it is charged off. \n\nXXXX XXXX XXXX- This was a credit card opened by myself in XXXX, it was in good standing until the card company locked me out of my account stating there were security risks. There was only a {$80.00} balance on the card and I was instructed by XXXX XXXX XXXX to pay it to be sure as to not go into delinquent status while they investigated the breach. Months later after doing so i started to receive collection calls from XXXX XXXX XXXX  and was asked to pay the same said {$80.00} plus ate fees. I did so again paying them {$160.00} and at this time was still not granted access to the account so I asked that the account be closed. Almost a year later XXXX XXXX reported a $ XXXX balance past due on the card, they refused to talk to me because the account was closed. I explained the situation and it was understood it should have been removed but instead it was put in collections and picked up by a collections company called XXXX that 5 years later still reflects on my credit today and I still receive calls. The account was charged off and after many attempts at having it removed it only goes away for a brief moment and then returns as more bad debt and late fees. They have reported late payments as recent as this year for a 5 year old account. \n\nXXXX XXXX XXXX- this account for one is said to be removed but it was a debt paid in full and did reflect as such. It was not included in the bankruptcy as it was already paid off before that time. This should and was a positive account. So if you have removed it you have done so incorrectly XXXX XXXX XXXX  XXXX- this debt is mine that is currently still open and has been open for the last year. This debt is on time with 100 % on time payments and should be building my credit, it will be paid in full this month. This too is said to be removed by you causing me negative effects. \n\nXXXX XXXX x 4- also said to be removed by you. This would be incorrect as these were all good loans paid in full that also gave me credit history. If you've removed them you've affected me negatively. \n\n\nXXXX XXXX XXXX ( XXXX XXXX XXXX ) - this debt despite my efforts is an error. We lived in a rental property when we used the services of XXXX XXXX utilities and have been gone from that property since XXXX before this debt even claims to have been placed. I left in good standing. \n\nXXXX XXXX a debt included in the bankruptcy that is listed separately on my credit report. This is listed separately as a public record as well as negative account. It wasn't until you started messing with it. \n\nXXXX XXXX XXXX x 4- should show no late or missed payments as they were placed in forbearance until they were forgiven in turn never requiring a payment. These accounts were in good standing until you messed with them. \nI was told these loans would be paid in full with 100 % on time payments. \n\nXXXX XXXX x2 - this loan is listed on my credit report twice as well. It was originally a pioneer loan but serviced by XXXX. Regardless only one loan was given and it was carried out the entire term without any late payments or missed payments. It was on auto draft. XXXX dreamed up some late charge at the end of the loan term and placed a crazy amount of interest on the false debt after taking a {$5500.00} loan to full term repaying {$11000.00}. This was supposed to be a tool used to build my credit back up and has not done so because of their error. I have disputed it multiple times through XXXX XXXX but now it has moved to charge off status and can not be disputed. It is ridiculous. It reads as a charge off and I paid it in full. \n\nXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX- this XXXX XXXX XXXX  are the one and the same bankruptcy listed separately on my report. \nXXXX XXXX XXXX- this was a mortgage included in the bankruptcy and never went into foreclosure. It was filed for bankruptcy before that took place as well as it was sold from mortgage company to mortgage company multiple times before. XXXX XXXX XXXX XXXX are collections accounts for this same mortgage. It has been listed multiple times and in all cases has been a closed account for over 7 years. \nXXXX XXXX XXXX XXXX XXXX- this was an account opened under false pretenses in my name by my ex-wife just before the divirce. This should be her debt. \nXXXX XXXX XXXX this is a paid medical bill XXXX XXXX revolving- thi is an open credit card account with a XXXX balance that reflects good on my credit that you have removed. \n\n\nI have spent {$89.00} + {$19.00} on your service and your service charge since XXXX of XXXX. I now am pretty sure you have drastically caused more damage than you have helped, putting me at a real disadvantage. Your company is more than a scam ; it requires payment to XXXX people over. I have been falsely sold your service in the fact that I hired a human law firm to handle my finances but instead have received an automated robot that has XXXX  my entire credit up like bad. In total this fake service has cost me a little over {$2600.00} in just service charges and who knows how much in overpaid interest and late charges as well as missed opportunities caused by all of the damage your firm has caused. I would appreciate at least a refund of the money taken and services not rendered as well as my account with you to be terminated immediately","date_sent_to_company":"2022-10-15T19:52:12.000Z","issue":"Fraud or scam","sub_product":"Credit repair services","zip_code":"723XX","tags":"Servicemember","has_narrative":true,"complaint_id":"6090120","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"John C. Heath, Attorney at Law, PLLC","date_received":"2022-10-15T19:39:33.000Z","state":"AR","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["It was then charged off as bad debt ; it is listed on my credit report twice, <em>once</em> for XXXX XXXX and second for XXXX XXXX. This is one debt. It shows to be a closed account and charged off yet it lists on my credit report as in collections. I am under the understanding that <em>once</em> the debt is charged off it can no longer be paid there for all collections should <em>stop</em>. It is still accruing days late when the account is charged off as such hurting my credit."]},"sort":[12.686415,"6090120"]},{"_index":"complaint-public-v1","_id":"5035893","_score":12.395287,"_source":{"product":"Mortgage","complaint_what_happened":"We have had several unfortunate medical and financial burdens happen to us, including XXXX and it's after effects, since XX/XX/XXXX. We have an FHA Loan for our mortgage and was never offered a proper explanation about forbearance and our FHA loan options. They never put us on the forbearance plan like the CARES Act says that they are supposed to. They ultimately offered me a loan modification plan, but neglected to put the delinquent payment amounts as a partial claim, as is required for an FHA Loan in the CARES Act. \n\nHere is the chain of events that happened - On XX/XX/XXXX we were handed the keys to our new home. \n\nOn XX/XX/XXXX I lost my job and was not able to find employment for 2 months. \n\nIn XX/XX/XXXX I was able to get a job. Unfortunately, I found out that the Health Care plan available to me was a high deductible plan that resulted in high out of pocket costs for everything medical until the deductible was met. The out of pocket cost per individual being {$3000.00}. There are XXXX people in our family and because of the high deductible for each person, we had not met it and were still paying, out of pocket, full price for all medical including Dr. visits, prescriptions, procedures, etcwell into \" COVID '' affecting jobs and the economy. The out of pocket cost ( s ) for prescriptions and dr. visits has been a huge burden. The monthly cost of my medications alone was over $ 1,000/month. My wife has chronic health issues and must go to the doctors often. And all XXXX of our children were in XXXX for various reasons which were all new things that have happened since we moved into our new house. \n\nBecause of my initial job loss, coupled with my wife 's unexpected/unplanned XXXX, it was determined that we could not keep up with all of our bill payments. We fell behind and I ultimately claimed XXXX XXXX bankruptcy in XX/XX/XXXX. The house was never part of the bankruptcy and I filed that way. As a term of the initial bankruptcy filing, I was required to have less than {$300.00} in my accounts. Because of this requirement I sent a cashiers check to my Mortgage Company on XX/XX/XXXX to go towards XXXX mortgage payment. I found out later that by paying this way, the money sent does not go towards the mortgage payment, just the general principal balance. I am assuming that this was applied to my overall mortgage, but have never received confirmation in any statements showing this. \n\nMy wife started a new job, at a High School, shortly after the beginning of the school year in XXXX of XXXX. She was only able to work 17 hours a week. All of the schools were shut down for COVID in XXXX of XXXX. When this happened her job at the school district ended. My wife stopped getting paid by the school at this point. \n\nMy wife 's ex-husband has not been current on child support since XXXX, only making very sporadic payments, which we had used to pay for medical bills in the past. Per her divorce decree, he is ordered to pay 50 % of all costs associated with our daughter but to date is significantly behind. This had contributed to the financial burden we found ourselves in. \n\nMy ex-wife is also not current on her financial obligations. Per the divorce decree, she is obligated to pay 50 % of all costs associated with our children but to date is behind as well. This had also contributed to the financial burden we found ourselves in. \n\nI tried to access the online portal to make my mortgage payments but was unable to. By the time I was able figure out why a couple months had passed. After getting transferred to several different people, my mortgage company finally told me that I had to coordinate communication through my bankruptcy attorney because I was in a bankruptcy. I told the Mortgage Company that I didn't understand why they wouldn't talk to me because the house wasn't part of the bankruptcy. They wouldn't give me a straight answer. This happened in XXXX of XXXX. \n\nOn XX/XX/XXXX I obtained a letter from my bankruptcy attorney that I sent to my Mortgage Company authorizing them to speak to me. I faxed this to my mortgage company on XX/XX/XXXX ( attached file named 01 - XX/XX/XXXX Letter faxed on Attorney ). They called me back and told me that I was delinquent on payments, but that there were options. I asked what the options were and one of the options they offered was a forbearance. I asked what that meant and they said that my payments would be put on hold and at the end of the forbearance I would have to pay the money back in a lump sum. I told them that there was no way I could do this and they offered another option of a loan modification. I asked them to send me the paperwork on this. \n\nThe mortgage company sent me the loan modification paperwork in the mail. I filled out all of the paperwork and faxed it back in. I'm not sure of the exact date and my record of this was lost. The application and hardship letter was signed on XX/XX/XXXX ( attached named 01a - Loan Assistance Submission XX/XX/XXXX ) .There were several subsequent letters from my mortgage company stating that I was missing this document or that document even though I had sent them a complete package. On XX/XX/XXXX I faxed over the final \" missing '' documents they asked for. ( attached named 02 - XXXX Fax with Missing Docs. ( Wife 's 1st check since COVID ) ). \n\nOn XX/XX/XXXX I received another letter stating that more documents were missing. This was incorrect. ( attached named 03 - XXXX Letter Stating that Docs Still Missing ( Incorrect ) ). They were asking for information that I had explained I did not have, namely paycheck stubs. I had explained to them that she had not received any paycheck stubs because her job was suspended/terminated due to COVID. \n\nI received another letter from my mortgage company on XX/XX/XXXX stating that my application was incomplete and the deadline passed therefore was denied. ( attached named 04 - XXXX Incomplete Application - Deadline Passed ). This was very confusing and frustrating to me because I thought that I had sent everything in, multiple times. \n\nOn XX/XX/XXXX I received two letters. One stating that I was in default and the other giving me notice of options ( attached named 05 - XXXX Letter Default Notice and 06 - XXXX Letter Notice of Options ( Forbearance but not good- Highlighted ) ). \n\nAt this time I didn't know what to do. I got a hold of a HUD counselor to see what they could do to help me. The HUD counselor tried multiple time over the course of 3 months to get answers. Because we weren't getting any straight answers, on XX/XX/XXXX I submitted the application, along with another hardship letter, for another loan modification to my HUD Counselor. She sent this to my mortgage company. ( attached named 07 - XXXX Copy of Info Sent to HUD Counselor for Submission ). \n\nOn XX/XX/XXXX a letter was sent from my mortgage company stating that my loan modification was approved ( attached named 08 - Loan Modification Approval - XXXX ). This loan modification was NOT what was discussed, or what I was supposed to receive. They did not treat this as an FHA Loan. They took all of the delinquent monies and added them to the backend of the loan. They did not file a partial claim ( as is required for an FHA Loan ), they did not reduce the payment amount to be 30 % of my income ( as is required for an FHA Loan ), they did reduce my interest rate by .5 % but because they added the delinquent money owed to the backend, this only reduced my monthly payment by {$27.00} which is not realistic or doable. \n\nOn XX/XX/XXXX my HUD counselor and I filed an appeal letter to the mortgage company stating reasons that we felt their conclusions were wrong. ( attached named 09 - To Whom it May Concern ). My HUD counselor tried for months to get someone at the mortgage company to talk to her clearly and intelligently about my case and what was going on. She got nowhere with them ; transferred from department to department, person to person. \n\nFinally on XX/XX/XXXX my HUD Counselor and I were able to have a conference call with my mortgage company and after being transferred to three different people, spoke to someone in the Single Point of Contact Department. We got nowhere speaking to him and threatened to file a complaint with Consumer Finance since the mortgage company wasn't helping. The mortgage company said that they would escalate this to the underwriter to see what they would do. \n\nI received a packet in the mail on XX/XX/XXXX with a letter dated XX/XX/XXXX providing, for the third time, the loan modification application with no explanation ( that was promised ) as to why they are denying the partial claim ( attached named 10 - Letter with Loan Modification Docs & No Explanation XXXX ). \n\nThis is a never ending process, with no clear communication from the mortgage company nor any reasonable understanding of what they are obligated to do in my situation. \n\nIn the meantime, my wife only started earning money again from her job, in XXXX of XXXX as the new school year started again and kids went back to school. Unfortunately her hours were greatly reduced because the school she worked at adopted a hybrid online-in school learning model. Between being quarantined because she works at a school, and the fact that she was exposed to COVID, coupled with the fact that my wife got XXXX on XX/XX/XXXX, she was out from work until XX/XX/XXXX, and was not able to go back before then, or get paid for that time. \n\nWhen she went back to work after her bout with XXXX, because of the condition of the student she was following/helping she was relegated to only working 1-2 hours a day, 4 days a week, through the remainder of the XXXX school year ( which ended XX/XX/XXXX ). \n\nIt is my understanding that since I have an FHA loan, the mortgage company was supposed to not only automatically put me on the forbearance plan after payments were missed, but once the forbearance period was over, file the delinquent payments as a partial claim to be a 2nd mortgage in which payments wouldn't start until the 1st mortgage was paid for. This is clearly stated in the CARES Act but not one of the 1/2 dozen or so people I have spoken to over the course of the last 16-18 months will listen to.","date_sent_to_company":"2021-12-22T21:02:09.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"84096","tags":null,"has_narrative":true,"complaint_id":"5035893","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AmeriHome Mortgage Company, LLC","date_received":"2021-12-22T20:53:43.000Z","state":"UT","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["It is my understanding that since I have an FHA loan, the mortgage company was <em>supposed</em> to not only automatically put me on the forbearance plan after payments <em>were</em> missed, but <em>once</em> the forbearance period was over, file the delinquent payments as a partial claim to be a 2nd mortgage in which payments wouldn't start until the 1st mortgage was paid for."]},"sort":[12.395287,"5035893"]},{"_index":"complaint-public-v1","_id":"2756386","_score":12.324324,"_source":{"product":"Student loan","complaint_what_happened":"This is my experience with XXXX XXXX XXXX and XXXX XXXX/Navient. I have been struggling with this loan situation since XXXX. Since then, I have been harassed by Navient, XXXX XXXX, and some company named XXXX XXXX. I only have an associate certificate in electronics, yet I somehow owe over {$40000.00}. The loans keep going up in cost, even while I am paying. Last year, I had my loans down to {$32000.00}, and then I lost my job. By time I could resume payments, my loans are at {$38000.00} again. I cant keep doing this. This is complete madness, and I have a family I need to take care of. An associate certificate should never cost {$40000.00}. It shouldnt even cost half of that, and to make matters worse, the degree is useless. Nobody in the professional world will acknowledge an XXXX XXXX XXXX certificate as being legitimate proof of education. For instance, I am a XXXX XXXX, and not an electrical anything. I can not get a job in electronics. With XXXX, you pay for a degree and you get it, so long as you show up. The degree you pay for is completely useless. \nI would like to talk about my performance in school, and the reason for attending. I graduated with highest honors, and perfect attendance. I graduated with a XXXX G.P.A. It turns out, that this means nothing, but I took this very seriously as I had XXXX kids, and no job to take care of them. Like many others, I felt that an education would be our best bet during the economic recession, as I lost my automotive manufacturing job due to outsourcing. Paying it back would be no problem, because I would have a great job, right? Wrong. Unfortunately, I fell for the advertising hype. It was a perfect scam with a complicit government agency. Its hard to admit you were taken advantage of and then ripped off, but that is exactly what happened to me. \nNow, I would like to talk about XXXX XXXX XXXX. While I was attending, between XXXX and XXXX, we had no less than XXXX deans, and no less than XXXX program chairs ( a program chair is the person who runs the program, be it XXXX, XXXX XXXX, etc. ), and hardly any of my instructors were there for a whole semester. I knew something was not right at this point, but I thought that I would be okay, because my loans were through the Department of Education. The DoE is supposed to make sure you get the proper education, and regulate the schools providing the education, right? Wrong again! Was that ever a mistake. Thinking back, I should have cut my losses there and dropped out, but I thought I should just get the certificate. You see, they start you with a bunch of fluff classes like, XXXX XXXX XXXX XXXXXXXX XXXX. After a couple semesters of fluff, you are already in debt up to your waist, and it only makes sense to keep going, as these fluff classes do not transfer. \nOne of the more serious issues I have with XXXX XXXX XXXX, is the fact that they didnt teach anything. For instance, while in my digital electronics class, we learned nothing. About one week before our final exam, our instructor told us to get ready to write something down. After a moment or two, he started rattling off seemingly random letters. It turns out that we were transcribing our final exam answers. He gave us the answers to our final exam, a week before our final exam! If it isnt clear, all our tests and exams were multiple-choice. They even encouraged us to use methods of deduction to pass these multiple-choice tests. This is not conducive to the learning process. I feel that this alone, is enough to invoke a XXXX XXXX claim that XXXX did not provide the services they advertised. \nWhile in my college mathematics class, I noticed that most people could not grasp the concept of algebra. The instructor started giving people bad grades for doing bad work. Well, the first electronics chair reprimanded the math instructor for failing underperforming students. How is anyone supposed to learn under these circumstances? So, I graduated next to people who shouldnt have passed. This minimalizes my efforts, and the value of the education in general. Yet, I must pay premium prices for an absolute sham of an education? \nI believe XXXX XXXX XXXX was dishonest, and did not provide the services they promised. I was charged an inflated amount for my books, but they were custom editions of real college books, meaning they were about a quarter of the size. These custom editions can not be resold to other students, or any school book stores. They do not meet the requirements of real college books, and you are forced to buy XXXX books. You can not decline the books and use any others. You MUST purchase ITTs custom editions, as it is all rolled into tuition. I was even forced to pay for a {$500.00} tool kit that I didnt really use. Once again, these books are not acceptable at any other college. I feel that their dishonesty is enough to invoke a XXXX XXXX claim, and the federal government obviously felt the same way, when they sanctioned them into closing. Thats great, but it does nothing for the people currently affected by this scam. \nXXXX XXXX XXXX was labelled as a hands-on, kinesthetic learning center, but none of the lab equipment even worked properly. We had multiple instances where we had to cut our labs short because of faulty equipment. We were supposed to be able to work at our own lab stations, but it would be a miracle if even half of the oscilloscopes worked. You need to be able to do the labs alone, but the poor condition of the labs made it difficult. \nAnother of the supposed, primary benefits of XXXX XXXX XXXX was supposed to be the job placement program. Do you know what that program was? It was a printed off list of XXXX and XXXX job searches, placed in a tray on a weekly basis. This is not a placement program, Its a scam. They did not provide the materials and benefits they promised. Once again, I feel that this alone should be enough to invoke a XXXX XXXX claim that XXXX did not provide the services they advertised. \nOnce I graduated in XXXX, the only job I could find was an electronics repair technician, that paid {$8.00} per hour. When I went to the interview, it was a group interview with XXXX to 10 people, including myself. We were all sitting around a table and everyone was answering the same questions, except me. I was singled out for being an XXXX graduate. This man was extremely condescending after hearing I attended XXXX. This was really humiliating, even though I successfully answered the questions he asked me. You need to pay special attention to this, because I was singled out, but people that had no degree or certificate, were not singled out. This is what an XXXX certificate/degree looks like to the professional world, a joke. They did not provide the education they promised. Once again, I feel that this is enough to invoke a XXXX XXXX claim. \nInteresting enough, I learned of the XXXX XXXX closure from an engineer I was interviewing with last year. He told me the school closed, and then chuckled about it and told me that I should get my money back. He said it is a worthless school, and my certificate has no value. This was for an electronics job, that I did not get. Big surprise there. \nSo, there I was, making {$8.00} per hour, with XXXX kids, and nothing else to my name. I was borrowing a vehicle from my grandparents, while living under their ( meager ) roof with my kids. Its also worth mentioning, that I have never used government or state benefits. I never had help raising XXXX kids with $ XXXX per hour. While I am dealing with this stress, I have XXXX XXXX representatives calling me non-stop, and threatening me with collections. Im sorry, but I can not afford to pay student loans over feeding and clothing my kids, with an {$8.00} an hour job. I tried explaining this to the associate on the phone, but they were very rude, and told me that I will never have credit again. This was in XXXX, and here I am in XXXX, with no usable credit due to XXXX XXXX/Navient. This harassment is unacceptable. I have NEVER missed my rent payment, car payment, bill payment, or any other payment, yet I can not get a loan for {$400.00} right now. XXXX XXXX dollars, but people with multiple bankruptcies can buy houses? I am worse off than someone with bankruptcies? Really? Is this what the DoE does? Loans money to pay a crooked school, just to ruin my life? Nice. \nLater in the year XXXX XXXX XXXX, I finally start a new job that pays decent. I had to travel away from my kids for 30 to 90 days at a time, while working up to 100 hours per week. I was making {$14.00} per hour, but had tons of hours. You may not believe me, but I have the pay stubs to prove it. During my first 30-day rotation, I had no money, and somehow had to feed myself while travelling for work. XXXX XXXX calls and starts threatening again. This time, the guy tells me that he will put my loans into collection if I dont pay him {$2000.00} immediately. Needless to say, I didnt have anything close to {$2000.00} available. Never once did this guy offer any type of option other than pay {$2000.00} on the spot. I simply couldnt pay, so now I have this XXXX XXXX XXXX harassing me, yet the loans they supposedly have, are still on Navients list, AND I AM PAYING ON THEM! This borrower is dishonest, subversive, and completely ignorant to the realities of life. Rarely did I ever get someone on the phone that I could understand. The only time an English-speaking person helped me, was when they were threatening me. They are supposed to offer ways to keep up on loans, but they didnt. They simply ruined my credit after harassing me. The loan servicer did not offer any other options, and made a decision that permanently ruined my life. If anything, this should be enough. \nIn the end, my credit is ruined, my degree is worthless, Im completely stressed out, my loans are more than they were, even after all the money I have paid. Im just done with it. There is no reason to pay this much for any associate certificate, let alone a certificate from XXXX XXXX XXXX. This degree is a joke, and I am usually too embarrassed to even tell anyone I attended XXXX XXXX XXXX. They claimed to offer an accredited degree, but that was a lie. Once again, I feel that this is enough to invoke a XXXX XXXX claim. \nIt just takes a quick search of the web for information on XXXX. There is literally no benefit to having an XXXX education. It looks bad, and it is an embarrassment. I dont see how I should have to continue to pay for it. In fact, I should be refunded all the monies paid to XXXX XXXX/Navient, plus I should be reimbursed for the time wasted and stress I had/must deal with. Now, I read the South Dakota is buying residents school debt, and then terrorizing them by taking their drivers licenses away unless they pay immediately. I can not let this continue, if that is going to start happening. The federal government is supposed to be protecting citizens from this kind of madness. I would like to attend XXXX XXXX XXXX, but I can not handle all of this financial stress while taking care of my kids, working, and trying to earn a Technologist degree. \nIf you just skimmed through the letter, you need to at least read this sentence carefully. My degree makes me less marketable than I would have been otherwise. They ( XXXX XXXX did not provide the education they promised, and the borrower ( XXXX XXXX/Navient ) lied, and did not offer any other options, and completely ruined my credit, and negatively impacted my future, as well as the last 7 or 8 years. They also caused years of undue stress. Once again, I feel that this is enough to invoke a XXXX XXXX claim. My family and I can no longer take this. Please do something about this mess, because I cant deal with it anymore. I need to sleep at some point.","date_sent_to_company":"2017-12-15T16:27:46.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"499XX","tags":null,"has_narrative":true,"complaint_id":"2756386","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-12-15T15:12:23.000Z","state":"MI","company_public_response":null,"sub_issue":"Don't agree with the fees charged"},"highlight":{"complaint_what_happened":["I knew something was not right at this point, but I thought that I would be okay, because my loans <em>were</em> through the <em>Department</em> of Education. The DoE is <em>supposed</em> to make sure you get the proper education, and regulate the schools providing the education, right? Wrong again! Was that ever a mistake. Thinking back, I should have cut my losses there and dropped out, but I thought I should just get the certificate."]},"sort":[12.324324,"2756386"]},{"_index":"complaint-public-v1","_id":"2570542","_score":12.250703,"_source":{"product":"Mortgage","complaint_what_happened":"My name is XXXX XXXX XXXX, and I am the daughter of XXXX XXXX XXXX. I am the executrix of her estate. My mother opened a reverse mortgage on XX/XX/XXXX through a company named XXXX XXXX XXXX XXXX XXXX. A loan that should have been voided after it was brought to the attention of the lender she was mentally incompetent as ruled by the courts of New Jersey. However, they continued to prey on her. Once the loan had been completed, it was then turned over to XXXX XXXX XXXX. According to XXXX XXXX XXXX, my mother was given a lump sum of money for her home. I investigated it when I was named my mother 's legal guardian in XX/XX/XXXX after she was diagnosed with XXXX. I presented all needed documentation to allow XXXX XXXX XXXX to speak with me ; it was not acknowledged. I requested proof of this payment - It was never supplied. I confirmed with other banks my mother dealt with ( during the period ) no such amount was ever transferred into any of her accounts. Even with the courts demanding answers and contacting the company themselves - they refused to speak to me and would only talk to my mother. <P/>We were repeatedly told to forward all legal information to the legal department - which we did several times in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX the account was later sold by XXXX XXXX XXXX to Nationstar d/b/a Champion Mortgage after being found guilty of fraud and predatory loan practices for reverse mortgages. We have never been contacted that the mortgage changed companies. My mother passed away on XX/XX/XXXX. Once again I reached out to find out what needed to be done with the home being that as her surviving family I was living with her to take care of her. We did not receive a response from either company. In the beginning of XX/XX/XXXX letters from Champion started arriving. They were statements of money owed. I reached out to Champion again to inform them that my mother had passed. They claimed during each call that it would be noted. However, it never was. They would send three party vendors to the home to speak to my late mother. I would tell them she passed away. They would jot information down on their notebooks but still return in the next couple of weeks. Eventually, they stopped ringing the bell and just tossed their literature on the porch and leave. A year went by as I continued to reach out for Champion, and still to no avail. I then enlisted the help of an attorney. He reached out to Champion in writing, and they refused to provide him with any information or items requestsed. The notices stopped, but I did not as I wanted to make sure that everything was handled properly. I was informed that I would be granted a certain amount of time after her passing to settle everything and decide if I wanted to keep the home. If I wanted to maintain the home, I was supposed to be able to buy it at a discounted price. I still reached out to Champion over the next five years to let them know A ) My mother passed B ) To supply them with the legal documents showing I was the handler of her estate C ) That I wanted to keep the home. During this time also due to my mother 's willing of the property to me, The probate court of NJ transferred the home to me and issued me a new deed. It officially became mines in XX/XX/XXXX. I continued to reach out to Champion, calling the numbers on the notices left and still would get the runaround. Told to fax my documents to legal and then being told they never got them. On XX/XX/XXXX, I called Champion as I normally had to again ask for guidance on what to do with the home. They again told me to fax over documentation. On XX/XX/XXXX, I received a notification that stated current resident. I started to throw it away as junk mail, but something told me to open it. It was a notification that the house was going up for sheriff 's sale on XX/XX/XXXX. My daughter looked it up on the county 's website, and it was confirmed. We were never notified about this until this advertisement. No official letters were sent, no one came by the house, no documents were left. I contacted Champion once again, and they stated the documentation never made it to them again. They asked could I please send it over one more time. On XX/XX/XXXX, I received a package from Champion stating that they received my request for information on satisfying the reverse mortgage loan balance. They stated they were willing to offer a discounted rate for sale, however, they could not mortgage it for me. On XX/XX/XXXX, I received another notification from Champion stating they had gotten the request to update the account authorization for the estate. I called and spoke to the same representative that had assisted me on XX/XX/XXXX. She told me to write a hardship letter and submit it to her. I wrote the letter and faxed it over that evening. The letter stated that I was requesting a postponement of the Sherriff 's sale so that I could find a mortgage or a way to purchase the house. I was told to give the letter some time. I did, nothing was resolved. I obtained another lawyer as my previous one retired during this whole drawn out process. My current attorney confirmed that the sale was not postponed. He requested the original documentation of the sale. I contacted Champion again to have them sent. On XX/XX/XXXX I went down to the XXXX County sheriff 's department and postponed the sheriff 's sale until XXXX/XXXX/XXXX. Also, I also finally received what was being alleged as the original paperwork. I question the originality of the documents sent to me by Champion because it states the amount of the mortgage at the signing was {$340000.00}. However, according to the documentation that was found by XXXX County court system, the actual amount XXXX XXXX XXXX claimed to have given her was {$220000.00} on XX/XX/XXXX. {$120000.00} of the {$340000.00} was paid to satisfy my mother 's debt with the bankruptcy court. The bankruptcy was then closed. However, does not leave a balance of XXXX. Instead, that leaves a balance of {$220.00}, XXXX that should have been given to my mother ( if a lump sum was paid ). Also, this would also mean that {$120000.00} would have been paid back to XXXX XXXX XXXX to lower the amount owed. In which case this becomes a regular mortgage, not a right reverse mortgage as my mother was lead to believe. Point of note a XXXX XXXX evaluation/appraisal of the property in XX/XX/XXXX stated the value of the asset was only {$87000.00}. There were no modifications or repairs made between XX/XX/XXXX and XX/XX/XXXX. Therefore the amount is highly questionable. Why would an organization give out so much money, on a property that did not have a value to this sum? Also, did they even pay for the original amount that was meant to go to my mother? Why were we not given proper notification? I have many questions and grievances with XXXX XXXX XXXX, XXXX XXXX, and Champion Mortgage. The predatory actions of all three companies have been documented, and this case should be investigated. They could not produce answers when I filed my first complaint, so they opted to state the person filing it ( my daughter ) was not an authorized person to speak to. This is AFTER they updated CFPB twice they were working on a response. They had no response, they were looking for a loophole to avoid this case being looked into any further.","date_sent_to_company":"2017-07-11T00:48:24.000Z","issue":"Struggling to pay mortgage","sub_product":"Reverse mortgage","zip_code":"07018","tags":null,"has_narrative":true,"complaint_id":"2570542","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NATIONSTAR MORTGAGE LLC","date_received":"2017-07-10T22:50:05.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We <em>were</em> never notified about this until this advertisement. No official letters <em>were</em> sent, no one came by the house, no documents <em>were</em> left. I contacted Champion <em>once</em> again, and they stated the documentation never made it to them again. They asked could I please send it over one more time. On XX/XX/XXXX, I received a package from Champion stating that they received my request for information on satisfying the reverse mortgage loan balance."]},"sort":[12.250703,"2570542"]},{"_index":"complaint-public-v1","_id":"7557161","_score":11.014822,"_source":{"product":"Mortgage","complaint_what_happened":"In XX/XX/XXXX I secured a job with the XXXX in XXXX, NC, I was supposed to start the training at the end of XX/XX/XXXX, then in XX/XX/XXXX I moved from XXXX XXXX to XXXX, NC .After that on XX/XX/XXXX due to the COVID-19 pandemic all schools were closed down, and at the same time my new employee postponed training and hiring day, so I had to remain at home with my XXXX boys XXXX and XXXX XXXX XXXX without any income. I received a call from Bank of America customer service offering XXXX pandemic relieve, stating that the bank was offering deferred payments, I was offered to stop making monthly payments during the pandemic and that the amount of the monthly payment would go to the back of the loan, so I wouldn't have to make all those payments at once as a lump sum at the end of the pandemic relieve program. I had 24 months deferred payments, the schools were closed and I had to stay home with my kids from XX/XX/XXXX until XX/XX/XXXX, my kids ages were XXXX and XXXX  years. I started to make payments in XX/XX/XXXX, after the relief program ended, this are the dates and amounts of the payments made:XXXX  {$150.00}, XXXX {$160.00}, XXXX $ XXXX $ XXXX {$230.00}, XXXX $ XXXX {$300.00}. \nBank of America never accepted those payments towards my monthly payments, the told me that the minimum payment had to be the total amount $ XXXX since I could not make this lump sum payment Bank of America started to report me as late payments every month to the 3 credit bureaus XXXX XXXX XXXX and XXXX XXXX also after the month of XX/XX/XXXX the online portal to make payments was blocked, so I was not able to make any more payments. During various times during XXXX and XXXX I was told by Bank of America account managers that I had to make the total amount deferred totaling a lump sump payment of $ XXXX, and that any payment made less than that amount will not be reflected as a payment made. I responded that I could not make that big lump sum amount that I could only make the regular payments up to $ XXXXBank of America offered me to do a loan modification to modify the terms, I told them that this heloc was in my name and my ex-husbands name, ( only this heloc, not the original 1st mortgage loan ) that I have a divorce decree showing I am divorce, showing the house is not part of the divorce because I purchased the house on my own before I was married to him and also my ex-husband filled bankruptcy removing himself from any obligations to that heloc loan, Bank of America told me that in this case I could do the modification on my own since I was the only owner of the house, the second borrower ( my ex-husband ) XXXX XXXX was never in the house title since I purchase this property in XXXX as a single woman and we got married in XXXX, this loan was taken out in XXXX in both names but his name was never added to the house or any title. XXXX XXXX is not interested in being part of any loan modification since he has not interest on the property. I agreed to start a loan modification back in XXXX XXXX and now I just find out that Bank of America recorded a \" Substitution of Trustee '' against my property without any legal notices against my knowledge. I been trying to modify this line of credit into a fully amortized loan ( meaning my payments will go towards my principal and interest ) before it goes to foreclosure, I tried to negotiate many times with different managers in the same department, and I keep getting the round around that if I don't submit a quitclaim deed from the other borrower that I cant do the modification, meanwhile I am under modification they are continuing the foreclosure process even though in the state of Nevada is illegal, they foreclosure process should have never started while I am under modification,","date_sent_to_company":"2023-09-15T18:07:01.000Z","issue":"Struggling to pay mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"28210","tags":null,"has_narrative":true,"complaint_id":"7557161","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-09-15T16:58:26.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["I received a call from Bank of America customer service offering XXXX pandemic relieve, stating that the bank was offering deferred payments, I was offered to <em>stop</em> making monthly payments during the pandemic and that the amount of the monthly payment would go to the back of the loan, so I wouldn't have to make all those payments at <em>once</em> as a lump sum at the end of the pandemic relieve program."],"sub_issue":["Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, <em>bankruptcy</em>, or foreclosure"]},"sort":[11.014822,"7557161"]},{"_index":"complaint-public-v1","_id":"12815369","_score":9.810257,"_source":{"product":"Mortgage","complaint_what_happened":"In our research we found that between XXXX and XXXX XXXX  wanted to dominate the housing boom. The problem they were facing was that each state has its own licensing fees, corporate taxes, and regulatory costs that XXXX  would have had to pay in order to do business. Thats when they cooked up the scheme. Instead of becoming licensed and registered in every state, XXXX  simply made up a trade name ( XXXX  ) that they could register in every state that would slide under the radar of the regulators. They made up the innocuous name XXXX XXXX XXXX and got to work. \nTheir scheme worked and nobody noticed that XXXX XXXX XXXX wasnt a corporation registered or licensed to do business in their state. There have been many experts to write articles about these scams and schemes used in the banking and mortgaging industries. We have had some insight given to us by such names as XXXX XXXX, XXXX XXXX and many others who were seeking to help people like us in this stand of a XXXXXXXX XXXX XXXX scenario. Well we know that XXXX  got cranking and created XXXX XXXX loans across every state in the country under the XXXX XXXX XXXX XXXXEspecially an average everyday working individual like myself, well what Do I know now through research and a few good Samaritans. \nThe catch is that a XXXX  such as XXXX  XXXX XXXX is not a legal entity. It is simply a trade name. A XXXX has no ability to own property, file lawsuits, or hold any security interests. \nAfter a little while some local recorders began to notice and refused to record the loans because the lender was just a XXXX, not a licensed lender in the state. At this point XXXX  decided to commit ANOTHER fraud by listing the lender on their mortgages as XXXX XXXX XXXX, a Corporation organized and existing under the laws of New York. With this subtle but incredibly fraudulent change, XXXX resubmitted the loans and they went through without a hitch. At this point no one realized that XXXX XXXX XXXX wasnt a registered corporation at all. \nAfter they made the loans, XXXX  never sold them to a securitized trust as they were required to do by the pooling agreements. Instead, the loans were controlled by Bank of America ( BOA ). As a result, BOA was collecting payments and foreclosing on loans despite the fact that it never owned or funded any of the actual loans. BOA continued the fraud with a few upgrades. \nAfter the creation of XXXX, Bank of America needed to find a way to make it so that XXXX could make no claims to the loans. What they did was get MERS to create an assignment on behalf of XXXX which assigned the loan to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or XXXX XXXX. After these fraudulent assignments, the bank attaches them to their foreclosure proceedings to trick the court into believing it is the legal owner of the loan. \nThis is all made even more infuriating when we have realized that all of these XXXX XXXX fraudulent loans have been fully repaid by taxpayers in the TARP bailout and by the various insurance companies who insured the securitized trusts these loans were supposed to be a part of. We now realize how our loan origination was changed and we know that The OCC was impartially part of or fully aware of many loan situation like mine under XXXX XXXX XXXX a stock company for XXXX  XXXX XXXX XXXX XXXX Its Successors And /Or Its Assigns A.T.I.M.A the address of XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX, XXXX # XXXX Policy # XXXX Loan # XXXX TYPE of LOAN IMPOUND/OCC Notice # XXXX Effective Date XX/XX/XXXX. \n\nBased upon court records in 22 states involving lawsuits against XXXX that went to default judgment, including bankruptcy cases, it appears that borrowers were able to cancel approximately XXXX XXXX dollars worth of the fraudulent loans created by XXXX  with taxpayers money. \nCurrently, we also now know the more sophisticated foreclosure fraud designed by BOA which includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  XXXX is in full operation. Despite a second offer made as late as XX/XX/XXXX by XXXX corporate counsel to Bank Of America counsel to purchase XXXX  and stop the fraudulent foreclosures, BOA once again refused the offer in favor of continuing their enormous fraud. Here is how the fraud was being conducted by BOA on the XXXX XXXX loans that BOA did not pay a single dime for. Remember these loans were not funded by XXXX  or BOA. \nAs the loan servicer, investor, owner as stated by BOA and or parent company Bank of America N.A. makes its own determination that the loan is in default. It first notified us through its RAN network attorney at that time XXXX XXXX XXXX that it will begin foreclosure proceedings. Because of the foreclosure fraud committed during that time lasting for years by certain lenders in all 50 states, most states now have enacted requirements that the foreclosing lender produce documents attached to the foreclosure documents that prove they are actually the lender unfortunately Georgia is still a Title Theory State and people like myself solely have to rely on character of CPFB, or OCC etc to protect us the consumer. \nSo Since B of A and now Bank of America N.A. claim to have bought the loan from XXXXXXXX XXXX XXXX XXXX  they can only receive the rights that XXXX XXXX XXXX had. Which are no rights at all? You have to be, or have the Rights of, a Natural Person under the United States constitution. What is XXXX XXXX XXXX? It was a wholesale division of XXXX  XXXX XXXX. It was a nonentity and at best legally a trade of XXXX XXXX XXXX XXXX XXXX. It was not in any way a legal business entity in New York and it was not a corporation formed under the laws of the state of New York as the note and Trust Deed state. They were at best a nonentity and at worst perpetrating a huge fraud on the entire industry and now the American people. Most of all XXXX XXXX XXXX XXXXXXXX were sold to XXXX XXXX and XXXX XXXX and XXXX XXXX and there fraud is being paid for by American People. Since no one that could legally sign a document legally transferring the loans they had. \nIn our case as one of these 3.5 million loans, the lender still states on the mortgage or deed of trust is Government XXXXXXXX XXXX XXXXXXXX who declared that they do not in fact have anything of ours as such was recorded supposedly on XX/XX/XXXX 15 days after our closing documents XX/XX/XXXX yet it is was also still assigned to XXXX XXXX XXXX, a New York Corporation. Because BOA is not affiliated with XXXX, and because XXXX has attempted to stop BOA from committing this fraud in its name, BOA devised a fraudulent scheme where it has MERS execute an assignment that appears to be on behalf of XXXX, which assigns the loan to either XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once that fraudulent assignment is recorded, that conspirator bank then attaches it to the foreclosure proceedings to defraud that court into believing it is the true owner of the loan. If a borrower is unable to afford an attorney to represent him in court, he loses his home, which is what BOA and now called Bank of America N.A. and also covered as BofA XXXX XXXX XXXX XXXX XXXXXXXX, cand as of the latest being XXXX XXXX XXXX XXXXXXXX is counting on. \nWell we continue to wait on Our XXXX The XXXX XXXX XXXX who is The Righteous Judge to fight this battle for we have none other to depend upon. Gods declares it so in XXXX XXXX XXXX in XXXX WE TRUST My Question to you now officers of The Justice Department , OCC, CFPB, FTC etc will you give us a chance to fight our cause as you have the authority to demand a CEASE and DESIST the foreclosure process abroad such as XXXX who are listing and calling every day until our complaint has a fair assessment. \nXXXX XXXX XXXX","date_sent_to_company":"2025-04-04T17:16:03.000Z","issue":"Closing on a mortgage","sub_product":"VA mortgage","zip_code":"302XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"12815369","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-04-04T16:18:13.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Closing disclosure or other related disclosures"},"highlight":{"complaint_what_happened":["Despite a second offer made as late as XX/XX/XXXX by XXXX corporate counsel to Bank Of America counsel to purchase XXXX  and <em>stop</em> the fraudulent foreclosures, BOA <em>once</em> again refused the offer in favor of continuing their enormous fraud. Here is how the fraud was being conducted by BOA on the XXXX XXXX loans that BOA did not pay a single dime for. Remember these loans <em>were</em> not funded by XXXX  or BOA."]},"sort":[9.810257,"12815369"]},{"_index":"complaint-public-v1","_id":"7826830","_score":9.369802,"_source":{"product":"Mortgage","complaint_what_happened":"I started working with XXXX XXXX on XX/XX/XXXX I was coming out of bankruptcy I insulted Carrington mortgage about my intent at this time they knew that I had applied to the state of New Jersey for these Covid funds, but I think they got too anxious, and did not want to wait so they offered me a restructuring plan of their own whereas I would have to pay them back. \nI told him at that time, that why I appreciated them trying to help me out, but I told them that I was very close to a positive commitment from the state of New Jersey of which day agreed. \nThey reached out to XXXX XXXX XXXX though their company. but in the meanwhile generated papers to see if I would except their proposal, which I did not, and they knew why.. \nif I had excepted their proposal, my mortgage would have went up, but my interest rate would have stayed favorable, but I have been in my house almost XXXX  years and mortgage payments do not go up when a person is living in a home, Its a FHA mortgage and it is not a variable ratemortgage, and payentsshould go down as XXXX lives in their home. \nI had been in contact with a XXXX XXXX which is a senior person in Carrington located in California offices. On XX/XX/XXXX he had suspended the paper work to modify my loan with Carringtonhad sent out and he decided to wait on the funds from the state of Nj and his company entered in a bindingcontract with thestatewhereas every transactionon my account would be paused until The state of New Jersey would settle my account .which in XXXX was due XXXX. The state of New Jersey asked Carrington to send this figure to them which they did.\n\non XX/XX/XXXX. I knew my application from the state have been assigned to an underwriter and I made sure that I kept in contact with Carrington every week to tell them this is all that I knew at the time.\n\nI also at the time I had XXXX XXXXset aside in escrow which I was told would be available once my account was settled, and was supposed to be there to be available to me to apply to a mortgage payment when everything had been settled between the state of New Jersey , and with Carrington . \nOn XX/XX/XXXX at XXXX XXXX  in the morning I spoke to a XXXX, atthat time she told me that I had paid {$5500.00} that they were holding in suspense. and had not applied this money anywhere at this time this was mortgage money that I had sent in and they were just holding it.\n\nat that time she also told me that they had received the figures that have been transferred over since the bankruptcy was dissolved, and I told her that I needed to stay in touch with somebody that works with the XXXX XXXX  and Carrington so I can find out what was going on. \nAt XXXX XXXX  I spoke to XXXX and this was also on XX/XX/XXXX. I explain to her the whole scenario then she passed me over to another guy name, XXXX who said that this situation was to be sent over for escalation, so that the right people would know what was going on. There suggestion was to wait a little while before checking back in, because all I knew that my case with New Jersey was in underwriting. \nOn XX/XX/XXXX. I called and told that the people in the back in had my information. \nXXXX I called again to touch based with the backend crew at Carrington namely with XXXX XXXX XXXX , but was told he was not available and spoke to XXXX at XXXX XXXX  she could not really get a grasp on what was going on so she passed me to another person XXXX at XXXX XXXX  on XX/XX/XXXX. I also told him at this time that the state had sent the request to Carrington mortgage to ask them for the documentation and how much money I/O so they can send them the money. XXXX XXXX at this time said he did not know what was going on, but he would also send this information to the escalation department at Carrington Mortgage. Then I was passed to another person a XXXX that identified himself as a as a special servicing, senior specialists of the company. But he could not give me no answers whether Carrington had answered the state of New Jersey or what was going on. \nOn XX/XX/XXXX I spoke first to a XXXX, which answered the phone around XXXX XXXX, but had no answer and I was advised to call back On XX/XX/XXXX I spoke to XXXX that identified herself as senior management of Carrington also and she said that Carrington had responded to the state and given them the figures that the state had requested so that when matters were settled, the money could be wired directly to them. I spoke to XXXX at XXXX XXXX  on this day. \nDuringthis time every week I kept up and stayed in contact with the state of New Jersey. I am with Carrington to make sure that they both knew what was going on with one another and especially to make sure that Carrington stayed abreast of what was going on in my life. \nOn XX/XX/XXXX at XXXX XXXX  on this day I spoke to a XXXX anothersenior person at Carrington mortgage. And after a conversation with him he could not ask give me any more answers I later called back and spoke to another person XXXX at XXXX XXXX  on XX/XX/XXXX. At that time, XXXX assured me that I had {$1700.00} in escrow that was sitting there and when the matter finally close that I could use that toward a month mortgage payment, when the state of Nj settled with Carrington on my behalf. \nAlso on XX/XX/XXXX Carringtonmortgage chose to run an escrow analysis on my account. As an LLC they had no right to do this. I had checked with provisions from the state of New Jersey because they had signed a contract with the stateto have my mortgage on pause until settled. I have also check with my rights with the.\n\nthe New Jersey Banking Comission ; but they did what they wanted to doanyway. I do believe that none of the departments in that LLCinteract with one another in unity as a company. \nAlso in XXXX I received a refund back from my homeowners insurance on my house so I know that the people at Carrington are not paying attention. I am watching very carefully whats going on and in order for them to remain reputable they should too heres what happened to me as follows. \n1.message : On Wednesday, XX/XX/XXXX, XXXX XXXX XXXX  wrote : Hello, Thank you for being part of XXXX XXXX and for contacting us. \n\nWe want to assure XXXX XXXX XXXX  your customer is not at fault for depositing a check for {$620.00}. Her mortgage company Carrington Bank paid her home insurance policy XXXX  so we automatically issued a refund check for XXXX  of the payments, which is the check she deposited. Carriginton mortgage then placed a stop payment on XXXX  of the extra payments so we in turn placed a stop payment on the refund check. \n\n\nIf you have any questions or concerns, please call us at XXXX Monday - Friday, XXXX - XXXX XXXX  for immediate assistance. \n\nMortgage companies : Please email your request to XXXX or fax to XXXX 2.Then I also received a letter from Carrington that states : Carrington Mortgage mortgage services, lic NIMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Please provide insurance information for : Dear Our records show that your hazard insurance policy expired and we do not have evidence that you have obtained new coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property. Your mortgage loan account will be charged for any period during which the insurance we buy is in effect but you do not have insurance.\n\nYou should immediately provide us with your insurance information. Please ask your agent to either fax us a policy declaration page at ( XXXX ) XXXX or by mail to the address shown below. You may also provide the documentation via the internet at XXXX XXXX XXXX by entering your unique identifier provided in the bolded box below. Please ensure that the documentation references your loan number listed above and that the Mortgagee Payee Clause reads : CARRINGTON MORTGAGE SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX The insurance we buy.\n\nMay be significantly more expensive than the insurance you can buy yourself.\n\nMay not provide as much coverage as an insurance policy you buy yourself.\n\nIf you have any questions about this letter, please contact us at ( XXXX XXXX, Monday through Friday, XXXX XXXX XXXX XXXX XXXX Central Time. \nSincerely, Insurance Department XXXX XXXX ( Please see the attached for additional information regarding this request ) XXXX. I received this from the insurance company today : XXXX XXXX XXXX XXXX XXXX XXXX Today XXXX XXXX XXXX XXXX Policy is active and paid in full in good standing Sincerely, XXXX XXXX. \nOn XX/XX/XXXX I signed papers to transfer the funds to Carrington mortgage. They received a total of {$17.00}, XXXX My mortgage payment should be {$1800.00} which should start on XXXX XX/XX/XXXX. Now I was told that I had {$1700.00} that I would be able to apply toward this payment when I settled. \nOn XX/XX/XXXX Icalled to tell Carrington that they should receive the proceeds soon. Which was over the amount that they said that I needed to pay. At that time I spoke to XXXX and it was XXXX XXXX  in the afternoon.. she advised me to wait a week then call back because it was too soon to see if things had settled. I also asked to speak to XXXX XXXX which was suddenly not available even at his extension. I was also told at that time they had ran another data analysis, but it was run based on information, as if I had taken that loan modification from their company, and not based on the view of the FHA. As of yet he has not responded directly to me, but supposedly has passed messages through other people like XXXX, which I spoke to on XXXX XXXX. she also claims she was a senior person at the mortgage company, but had to keep running back-and-forth to supposedly ask him what to tell me.\n\nI was also told on this day that they took my {$1700.00} and pay my escrow taxes which they should not have done because that money should be there for me and it was not for their use at all. That does not express integrity on their behalf and that money should be there available for me because they have gotten what to do them from the state of New Jersey and they had no right to take that money. I want that money returned to me immediately.. I was also told I need to pay an extra {$120.00} for some thing on collectible. I dont know what thats for an itemized bill for all of these transactions they said we cant do that. We have to send you a data analysis. I do not want to be hoodwinked by this company. I want my mortgage to be at the rate that it supposed to be which they told them which is supplied on the paper from the contracts that I signed from the state between them which should be {$1800.00} every month and I want my {$1700.00} return to me so I can apply it to my mortgage as I was told.. this information will also be reported to the FHA, the New Jersey Banking Comission , and other concerned parties.\n\nI just want this company to be fair, and stop harassing people.","date_sent_to_company":"2023-11-09T21:00:34.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"08046","tags":"Older American","has_narrative":true,"complaint_id":"7826830","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CARRINGTON MORTGAGE SERVICES, LLC","date_received":"2023-11-09T20:45:42.000Z","state":"NJ","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["I also at the time I had XXXX XXXXset aside in escrow which I was told would be available <em>once</em> my account was settled, and was <em>supposed</em> to be there to be available to me to apply to a mortgage payment when everything had been settled between the state of New Jersey , and with Carrington ."]},"sort":[9.369802,"7826830"]},{"_index":"complaint-public-v1","_id":"10623629","_score":8.967059,"_source":{"product":"Mortgage","complaint_what_happened":"If the dictionary defined the absolute worst mortgage company Flagstar Bank would stand out as the # 1 mortgage company. Flagstar Bank has maintained my mortgage for the last sixteen years and has been nothing short of a nightmare since day one with the worst experiences being over the last several years. \nUnfortunately, my family was devasted by the COVID-19 pandemic in XXXX experiencing an exponential amount of loss and tragedy including job losses for both my husband and myself, the very unexpected death of my mother due to XXXX, and the near-death experience of my brother after receiving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was ultimately made worse by COVID-19. \nAfter the expiration of the government implemented three month COVID forbearance I immediately filed the required documentation requested a loan modification ( XXXX XXXX ), approximately 75 days after the initial application I received notification from Flagstar Bank that my loan modification request had been approved and a FedEx package would be delivered within 2 days at which time I was to review the documents, have them signed and notarized, and return to Flagstar Bank before the final submission date. Once I received the documents, I immediately noticed that the documents were all listed in my maiden name ( despite my numerous attempts ( since XXXX ) to have my account updated to reflect my married name ). I immediately contacted XXXX as directed at the number provided. I was advised by a Flagstar representative to take the loan modifications documents, my drivers license, and marriage license to a certified notary and have the documents executed that the name differences would not be an issue. I immediately took the documents to a certified notary of whom WOULD NOT notarize said documents due to the name discrepancies. I immediately called Flagstar to once again advise them of the issue and was transferred to the representative working my case after leaving a voicemail I received a return phone call 10 days later. I was advised during this call that a new set of loan modification documents would be sent out to me reflecting my current legal name with 10-14 business days. It took much longer than anticipated as I received the new documents on XX/XX/XXXX at which time I immediately executed the documents and return to Flagstar including a check for {$690.00} which was supposed to be the first modification payment. According to offer letter as long as all documents and payment were received by XX/XX/XXXX then the loan would be brought current and any unpaid late fees would be waived. All documents and payments were accepted by the lender acknowledgment which was signed, notarized, and accepted on XX/XX/XXXX. \nDespite the acceptance of the loan modification the lender, Flagstar Bank, knowingly and willingly neglected to bring the loan current, waive any unpaid late fees, reduce the interest rate, and modify the monthly payment. Additionally, the payment in the amount of {$690.00} was held in suspense and never applied to the loan. \nIn XX/XX/XXXX, the monthly mortgage statements reflected the following statement : Loss Mitigation Program Status- The mortgage is currently on an active Disaster Forbearance Plan option. \nDespite a loan modification and a disaster forbearance plan the monthly amount due continued to rise month over month. I received a letter dated XX/XX/XXXX advising that the forbearance plan was ending while the loan was still delinquent and action should be taken by either resuming payments or completing a loan modification by XX/XX/XXXX. Despite the numerous calls and countless individuals, I spoke to, no one was able to tell me what happened to the approved XX/XX/XXXX loan modification. On XX/XX/XXXX, I received a letter advising that the check ( {$690.00} ) was insufficient to cure the default and they be moving forward with foreclosure. The check was returned. \nWith assistance from the Georgia HAMP program, I was able to stop the pending foreclosure, bring the mortgage current, and pay three ( 3 ) months in advance. Shortly after these funds were distributed my husband had to undergo a second major XXXX resulting in a continued and extended amount of time away from work resulting in a significant loss of household income resulting in missed payments. In XX/XX/XXXX an online request for a loan modification was submitted through the Flagstar Bank website. At the time of submission, a submission verification screen appeared including a message that stated Flagstar Bank would be in contact if additional information was needed. I received a letter dated XX/XX/XXXX advising that the application received on XX/XX/XXXX was complete. On XX/XX/XXXX I was advised that the loan modification request had been denied at which time I filed an appeal to that decision. On XX/XX/XXXX a denial to my appeal was issued and advised that this was a FINAL decision. \nUpon Flagstar Banks final appeal denial an accelerated foreclosure process was started. On XX/XX/XXXX I received the first of many communications from XXXX XXXX XXXX of whom was retained by Flagstar Bank to handle the foreclosure proceedings. A foreclosure sale date of XX/XX/XXXX was scheduled. \nI applied for state assistance a second time and due to the additional steps and requirements needed for additional funding the process took a little longer. I filed for XXXX  XXXX bankruptcy on XX/XX/XXXX at XXXX XXXX which initiated an automatic stay and stopping the foreclosure sale. I notified Flagstar Bank as well as XXXX XXXX XXXX between XXXX XXXX  and XXXX XXXX  respectively by phone advising of the filing and the request to remove the foreclosure auction listing. Additionally, I called XXXX XXXX XXXX again at XXXX XXXX  and XXXX XXXX  followed by an email at XXXX XXXX  with no return phone calls or email. The auction listing was not removed and the property was sold at auction for approximately {$130000.00}. I spent the next week on the phone, sending emails, and letters to have the sale the canceled and reversed. Additionally, I was approved for the state program resulting in funds in the amount of {$17.00}, XXXX which was sent to Flagstar Bank in XX/XX/XXXX. \nOn XX/XX/XXXX, XXXX XXXX XXXX filed a motion to modify automatic stay as to debtor and waiver of the 30-day requirements of 11 U.S.C. 362 ( e ). Additionally, the motion, states that it is being brought before the bankruptcy court because of the default and clear inability of Debtor to make all required payments. XXXX XXXX XXXX and Flagstar Bank assert that I have failed to make payments between XX/XX/XXXX and XX/XX/XXXX totaling in the amount due of {$2000.00}. \nOn XX/XX/XXXX, I spoke with XXXX a representative with the bankruptcy department at Flagstar Bank. I requested clarification on how the {$17000.00} that was received by Flagstar Bank on XX/XX/XXXX had been distributed. I explained that based on the transaction history available through my online account it appeared as if funds had not been distributed. I explained that even after totaling all the statement amounts from XX/XX/XXXX to XX/XX/XXXX ( which was the last available statement ) vs the amounts shown as paid on the transaction history. After taking a few moments to review the account the representative commented Oh you were under a foreclosure. It was at this moment that the representatives attitude and willingness to assist completely changed. It was at this point the representative advised that monthly payments had been paid for : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. She also stated that she had no idea what most of the codes listed actually meant. I made the comment that as of XX/XX/XXXX ( which is the XX/XX/XXXX statement ) the amount due was {$7600.00} which included monthly payments/late fees for XXXX XXXX XXXX as well as payments made for insurance and taxes, also included were attorney fees and FC costs and expenses . Additionally, XX/XX/XXXX and XXXX XXXX monthly payments totaling {$1300.00}. These amounts came to a grand total of {$9000.00} which leaves {$8300.00} unaccounted for and since I had not received a statement since XXXX I could not determine where funds had been distributed. I asked if a full transaction for the time frame in question could be sent to me. I also requested that monthly statements resume being sent to me and made available through my online account. I was very rudely explained to that ( 1 ) once funds are received by the lender that they have the full and non-negotiable authority to distribute those funds any way they see fit. ( 2 ) that my attorney should request a copy of a full transaction history, and ( 3 ) that until I reaffirmed the loan I would not receive and/or have the ability to view monthly statements. I tried to explain that I had no attorney as my case had been filed pro se, the representative stated then I dont know what to tell you as the history can only be requested by and sent to a licensed attorney. I have in turned mailed a qualified written request for information to Flagstar Bank as well as a request for statements to resume. \nOn XX/XX/XXXX, I received the requested transaction history that showed the following had been disbursed of the {$17000.00}. Monthly Payments in the amount of {$6900.00}, late fees {$130.00}, property preservation corporate advances {$300.00}, restricted corporate advance adjustments {$10000.00}, miscellaneous default expense corporate advance {$1800.00}, statutory expense corporate advance {$7400.00}, attorney corporate advance {$1800.00} for a grand total of {$39000.00}. The transaction history also states that Flagstar Bank has also paid my XXXX property taxes in the amount of {$520.00} which they claimed had a due date of XX/XX/XXXX and an applied/paid date of XX/XX/XXXX. The property taxes according to XXXX XXXX Tax Assessors Office as of XX/XX/XXXX have not been paid as stated on the transaction history. \nIt appears as if Flagstar Bank is consistently unable to provide it clients with complete and accurate information, provide its clients with foreclosure avoidance and loss mitigation options ( that they actually stick to upon acceptance ), and provide clear and understandable transaction histories. At this point I believe that Flagstar Bank has seen the amount that they could receive from a foreclosure auction on my property and are looking to find any and every way to auction my property once again and receive that amount no matter what they need to do to reach that goal.","date_sent_to_company":"2024-10-30T07:20:29.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"30534","tags":null,"has_narrative":true,"complaint_id":"10623629","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NEW YORK COMMUNITY BANCORP INC","date_received":"2024-10-30T06:51:14.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["Additionally, the motion, states that it is being brought before the <em>bankruptcy</em> court because of the default and clear inability of Debtor to make all required payments. XXXX XXXX XXXX and Flagstar Bank assert that I have failed to make payments between XX/XX/XXXX and XX/XX/XXXX totaling in the amount due of {$2000.00}. \nOn XX/XX/XXXX, I spoke with XXXX a representative with the <em>bankruptcy</em> <em>department</em> at Flagstar Bank."],"sub_issue":["Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, <em>bankruptcy</em>, or foreclosure"]},"sort":[8.967059,"10623629"]},{"_index":"complaint-public-v1","_id":"5904497","_score":8.242445,"_source":{"product":"Mortgage","complaint_what_happened":"URGENT! Improper and Deceitful Loss Mitigation and Pending Foreclosure!! Hearing XX/XX/XXXX! \n\nTo Whom It May Concern at Consumer Financial Protection Bureau, I need your help. Loan CareXXXX XXXX is trying to foreclose on me without going through the proper Loss Mitigation process. They took my Loss Mitigation application on XX/XX/XXXX. On XX/XX/XXXX, they told me they needed additional documentation, which I then provided. On XX/XX/XXXX the bank told me I had turned in a complete application, they would review it and get back to me. I NEVER HEARD ANYTHING BACK. When I called to check the status on the application ( XX/XX/XXXX ), they said they put it back into Foreclosure and sent it to their attorneys! There is now a Foreclose Hearing on XX/XX/XXXX!! They finally sent me the Denial letter ( attached ) on XX/XX/XXXX. Yes, just 5 days before they had a hearing and too late to do anything about it! They have denied by appeal rights, as appeals had to be in by XX/XX/XXXX ( according to the letter I got on XX/XX/XXXX ). And, when I read the letter ( attached ), it is just a denial of a loan modification for lack of income, not all the loss mitigation options!! Where are the rest of my loss mitigation options? To begin with, I sent them in a letter asking them to use my current XXXX and XXXX income for the loss mitigation from my bank statements they already had. I would qualify for Loan Modification with that income. They did not do this. They told me to submit another Loss Mitigation application, even though there was already a Foreclosure hearing date. I did that on XX/XX/XXXX. Secondly, and much, much more importantly, what about all my other loss mitigation options?! What about handing the property back? A Deed in Lieu? Can I do that? Can I just give the property back? What would be the requirements for that? That was not mentioned. What about paying the amount off in full? Can I do that? How much is it currently to pay in full? Can I pay it off?! There was no reference to that or any or the other loss mitigation options! What about a Short Sale? Can I do that? What would be the requirements for a Short Sale? Why are they not giving me my loss mitigation options and just putting me in Foreclosure? They said nothing about paying the property off, returning the property, or short selling the property. According to U.S. Department of Housing, there are actually 9 Loss Mitigation options ( see attached ) : 1 ) Repayment Plan 2 ) Forbearance 3 ) Loan Modification 4 ) Short Refinance 5 ) Short Sale 6 ) Deed-in-Lieu 7 ) Reinstatement 8 ) Consent to Judgement and 9 ) Settlement. I was only given ONE of these 9 options, and that wasnt even done properly. Where are my other 8 options? This bank is intent on Foreclosing on me no matter what! When I called the bank on XX/XX/XXXX and found out about this Denial Notice ( which I still had not seen ), the agent ( XXXX XXXX told me that it wouldnt matter what I made per month or year, it wouldnt matter if my XXXX income was included or not, they would never do a loan modification for me! He said it wouldnt matter if I made {$10000.00} per month, or double that, they would not do a Loan Modification for me, even though the denial was for lack of income! Because they are insistent on foreclosing on me, no matter how many rules, regulations, and laws they break! \nThis bank ( XXXX ) has gone through the motions of Loss Mitigation with me for years, but never actually allows it. They have forced me into Bankruptcy ( XXXX ) twice. And then they dont follow the bankruptcy rules and they continue to charge me late fees and penalties. They never finish any loss mitigation, they tell me to turn in full and complete application packages, which I have done over and over, then they either tell me the underlying investor ( not them- they say its XXXX XXXX ) refuses to lower the crazy interest rate or do the loan mod. They are the ones that made me stop making payments to begin with! They required me to stop making payments for 3-4 months in order to even start the loan mod/loss mitigation process! Or they tell me they will accept a Short Sale if it is at least 80 % of the value of the property. I turned in Short Sale after Short Sale ( 3 altogether over 2 years time ) with the bank just stringing all of us along for 6-7 months each time, and then denying the short sale each time, even though it met the requirements. Or the other thing they do, is to just plain stop responding to me or contacting me. And deny my Loss Mitigation because I didnt respond in time to something I never received. \nThey wont ( or dont ) contact me ( They actually said in XX/XX/XXXX when I called them, after 17 years of this loan and the same phone number, they say they didnt have my contact information ), and on several occasions including as recently as XX/XX/XXXX, gave me an incorrect email address to send my Loss Mitigation Application to ( XXXX ). This bank strings me along, as well as all the real estate agents and buyers involved in the Short Sale ; the bank makes me do all kinds of work, but in the end they always say 1 ) We arent lowering your interest rate from 7.75 % no matter what because the underlying investor ( XXXX XXXX ) refuses to do so, or, even worse 2 ) We make more money foreclosing on you, so thats what we are going to do NO MATTER WHAT. They are not following HUD rules or regulations. They are being very deceptive, and I need your help to fairly process Loss Mitigation and keep them from foreclosing on me. \nMY LOAN MODIFICATION ATTEMPTS They have never reduced their 7.75 % interest rate over the 17 years I have had this loan, despite my repeated requests and hardships ( XXXX, floods, covid loss of income, or bottom of the market in XXXX, even last year in XXXX when rates dropped to 2 %. This lender said they will NEVER drop the interest rate of 7.75 % they have me at. However, they had me fill out Loan Modification applications and I filled full packages out for them out 4 times because they pretended like they would do a loan modification. They, in fact, originally required me stop making mortgage payments for at least 3 months before I could even apply to prove hardship! Then I applied, and they told me they would not drop my interest rate, time after time. They then gave me a HIGHER monthly payment!! They supposedly gave me loan modifications over the last 5 years, with HIGHER payments! If I couldnt make the original payment because of financial hardship, how would I be able to make a higher payment?! Wasnt that the point of the loan modification : to lower the payment, so I could afford it either by dropping interest rate, or lengthening amount of time to make payments, or forgiving some of loan. They did none of that! How is that a Loan Modification? Their excuse was that the underlying investor ( XXXX XXXX is what they said ) refused to lower the interest rate. I couldnt accept the loan mod, because it wasnt a loan mod at all! They did that 3 times, and I finally started to realize they were not going to work out a true loan modification with me at all, no matter what I did, or how many times I filled out and sent in all the documents they wanted. I tried once more, and this time they said I no longer qualified because I refused the first three loan mods they did that increased my payments. \nMY SHORT SALE ATTEMPTS Then I started trying to at least do a Short Sale, though this wasnt my first choice. It was obvious they just plain would not allow a reduction of my monthly payment amount, or the interest rate, no matter what. It took a little while to find a real estate agent that was willing to do short sales, and we went through the process. I had a cash buyer for 80 % of the value of the property, which is what they said they would accept ( it was the minimum they allowed ). They dragged this short sale on for 6 months and kept asking for more and more documents, every week, and every month, which were always provided to them. Then they would say its been longer than 30 days, we need a new date and signature for all your documents. After all that, 6 months later the bank said No to the short sale. They didnt say why, but I assumed they wanted more than 80 % of the value, though their own rules say they accept that. But they refused it. A couple months later, we found another CASH BUYER for 90 % of the value of the property. Again, we went through an agonizing 6-7 months with the bank wanting more and more documents every month. Same exact story! They dragged it on and on, and then refused it for no reason! Even though it met all their criteria! Why?? They WANTED to foreclose on me! \nUnbelievably, we found another CASH buyer after that for 100 % of the value of the property! The value that the bank determined! There was no way they could refuse this Short Sale. But it was the SAME STORY 6 7 months of dragging this out with us, asking for more and more documents from the buyer, the real estate agent, and me, and the end of all this they refused the Short Sale 7 months later - because they could make more money if they foreclosed on me. That is the letter they sent me. Their exact words were FORECLOSURE RESULTS IN HIGHER RETURN THAN PROPOSED SHORT SALE. This bank has some shady practices, and Im not even sure if they are legal. Its certainly not ethical. This took a couple years, and poor buyer ( s ), poor real estate agent, and me who spent all that time and energy for nothing, all because the bank was determined to foreclose on me NO MATTER WHAT. \nDEED-IN-LIEU ATTEMPT At that point, I gave up and was exhausted. I offered to just hand the house over to the bank, even though it was supposed to be my retirement home. However, they would not accept that!!!!! They said they would not waive the deficiency that they had now accumulated, and that I would need to hand the house over PLUS {$150000.00}!!!!! They said they would sue me for the {$150000.00} if I didnt pay it! And thats after I handed the house over! \nXXXX ATTEMPTS I was obviously in no position to be able to do that, so I had to file XXXX XXXX. I tried filing BK twice, but they would not go along with the waiver of deficiency in the BK plan. The bank continued to violate BK rules ( see attached ) not only by continuing to charge late fees and interest, but by continuing to set Foreclosure dates. They refused to go along with any XXXX plan. \nPAYMENT ATTEMPT I sent in two monthly payments while I was in XXXX for {$1600.00} each one on XX/XX/XXXX ( see attached ) and XXXX XX/XX/XXXX ( see attached ), as was their current monthly payment amount. The bank cashed the first check on XX/XX/XXXX, and 2 days later had Foreclosure hearing on me! After they cashed the check! \nThe second check in XX/XX/XXXX, the bank sent back. Their reason? We are unable to accept these funds because your loan has been accelerated and the payment was not sufficient to reinstate your loan ( see attached ). And again, set a Foreclosure hearing for XX/XX/XXXX. I was in Bankruptcy! Do they not understand Bankruptcy laws, or were they purposely violating them?! \n\n\nIn short, this bank has flat out REFUSED my loss mitigation rights year after year. They refuse to do anything but foreclose on me, and thats what theyre doing again. I have a hard time getting a hold of them to check my status, but on XX/XX/XXXX I received a Notice of Foreclosure Hearing. When I finally got a hold of them, they told me they havent contacted me because XXXX ) they didnt have my phone number. WHAT?! Ive had the same phone number the whole 17 years of this loan. And 2 ) they said a Cease and Desist was on put on my account a year or two ago. Once again, WHAT?! By them? I certainly didnt do that. But that was their excuses for not contacting me and going straight into Foreclosure. They actually said they purposefully have NOT been contacting me. \nI need CFPBs and HUDs help in getting this bank to abide by the housing rules, laws, and regulations. I have done everything they asked me to do AND MORE, but it does no good, as they are insistent on Foreclosing on me NO MATTER WHAT and no matter how many Housing rules, laws and regulations they break. \nThey have now set a Foreclosure Hearing for Wednesday, XX/XX/XXXX at XXXX without sending the options from my Loss Mitigation package I turned in on XX/XX/XXXX. On XX/XX/XXXX they told me they had a complete application. I never heard from them again. When I called on XX/XX/XXXX, they said they put me back in Foreclosure and sent it to an attorney. I cant get anywhere with this bank, they are insistent on foreclosing on me, and not allowing my loss mitigation rights. Ive spent YEARS trying to work out something with this bank, spending lots of money doing so. \nThis bank has told me : 1 ) They will NEVER lower the 7.75 % interest rate on this loan, no matter what my hardships are, 2 ) They will NEVER give me a loan modification, no matter how much money I start making to support one, 3 ) They wont do a Short Sale, because they make more money foreclosing on me. \nThis bank is probably violating every housing rule and regulation there is. Please hold them accountable and start by making them take this property out of Foreclosure, cancel the hearing on XX/XX/XXXX, and force them to complete a legitimate Loss Mitigation. They need to be under the supervision of HUD and CFPB, as they have never completed an honest or fair Loss Mitigation for me.","date_sent_to_company":"2022-09-07T14:37:45.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"92101","tags":null,"has_narrative":true,"complaint_id":"5904497","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2022-08-22T22:32:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I was in <em>Bankruptcy</em>! Do they not understand <em>Bankruptcy</em> laws, or <em>were</em> they purposely violating them?! \n\n\nIn short, this bank has flat out REFUSED my loss mitigation rights year after year. They refuse to do anything but foreclose on me, and thats what theyre doing again. I have a hard time getting a hold of them to check my status, but on XX/XX/XXXX I received a Notice of Foreclosure Hearing."]},"sort":[8.242445,"5904497"]},{"_index":"complaint-public-v1","_id":"2474754","_score":7.7968464,"_source":{"product":"Mortgage","complaint_what_happened":"Time Sensitive- Thursday,  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  SC  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX   Complaint Against  Bank of America  Here is a s hort summary of the events that I have been going though since I got a loan with Country Wide  dba   Americas Whole Sale Lenders, and Bank of America Server  .   In  XXXX  I got behind on my payments. I started getting very nasty calls from Bank of America from  XXXX . The calls would be all day long from the hours of  XXXX    XXXX   to  XXXX    XXXX  . If I did not answer a call then I would ge t 3 to 4 calls an hour until I did answer. These came fro m a Texas phone number. I contacted Bank of America who was now the servicer of the loan after the merger with Country Wide. I could not get anyone to tell me how or where I could apply for a loan modification. They transferred me to  one per son after another. In  XXXX   XXXX  I offered to pay {$20000.00} on the past due amount of {$25000.00} then every month I would pay a fe w hundred m ore on the monthly payment until the remaining {$5000.00} was paid off. They said they would take the {$20000.00} but I had  three mo nths to pay the remaining, plus the normal amount of the house payment. I could not do this because as a   XXXX   XXXX   XXXX   who was hit very hard in the recession I could not guarantee the extra amount that they wanted.I did not even get a cas e manager  until  XXXX . Then account managers started to change about every 90 days some months did not even have a case  manager.  Then when I got a new case  manager I  would have to explain things all over again. So it was like every 90 days a undo of anything that had been done by my prior account manager.   Then once my business picked up I started asking for a loan modification. I had seen th  XXXX   Affordable Home Care Act was to help people in my   situation. Nothing came of my requests.   Bank of America filed a paper in  XXXX  that they where the  Mortgagee of my home loan with t he  XXXX   county Clerk of Court. T hey then processed with Foreclosure actions. I was not given a trial period to see if I could qualify for a loan modification which I was still asking for.   In  XXXX   XXXX  We had a house fire and was transferred to another department where I talked to  XXXX  to notify Bank of America that there had been a house fire. Only after that did the phone calls from collection department slow down. Bank of America left flyers on the door, I would call them right away to inform them the house was still lived in. A t one  point they said the house was vacant and sent a person to cut the grass. I had paid a lady to cut the grass so it was not needed, this person they sent started cutting the grass and they hit the heating and air unit and knocked it off the foundation. Then shortly after within two weeks the Heating and air units had been stolen.   In  XXXX   XXXX  I went to the hearing at the Master of Equity of  XXXX   County f or the ruling with Bank  of Americans Lawyers. The Judge   XXXX   would not allow me to show or say  anything in this court. The final ruling was the house was to be sold. I could not find an attorney willing to take the case.   Then in  XXXX   XXXX  Bank of  American fi nally let me apply for a loan modification. I faxed all papers for the  Loan h elp program - It came back denied  XXXX   XXXX .   Ban k of American h as wrong information about the house including the square footage of  XXXX  which it 's  XXXX , It 's a brick home, not vinyl,  XXXX  bedrooms  XXXX  baths, not  XXXX  bed  XXXX  baths so on and so on.By Bank of America putting this wrong information in the mortgage file as well as into the courts, it makes it look like I owe a lot more than the value of the house.I asked my account manager what they had in the system as the value of my home they replied {$150.00}. This was a total shock to me as it was appraised at over {$350000.00} when I bought the house. I thought they had that with the loan papers. That alone helped me realize what they were seeing in their system, this information was not correct and why they were not willing to help  me.No one , not even a lawyer would help me. I feel this wrong information was a crime against me to keep me from saving my home I was able to stop the sale of the house because I did not have a case  manager.  Then the house was sold but then they had to undo the sale In  XXXX . I faxed papers each time they sent them and this was many times for  Loan mo difications and the  Loan  help program - It came back denied   XXXX   XXXX    or some just came back denied. I did not ever have a   XXXX   XXXX   loan,   XXXX   XXXX   was the investor only.   XXXX   XXXX   said at any time Bank of America as the loan owner could do a modification.   I filled for  Chapter   XXXX  in  XXXX  Bank of America refused to be part of the Bankruptcy,  My  lawyer had me fill for a loan modification at this time. I got a call they needed more information. I faxed it to them within  24  hrs I get a letter I am denied because of its   XXXX   XXXX    Loan. Tol d by Bank of America you can not have  XXXX  Government loans. Again I do not have a   XXXX   XXXX   loan. During this time Bank of  American did  another home appraisal wrong information again but this time {$220000.00} home value. I tried to talk to them again and show proof the information was wrong. They approve a short sale with deficiencies. The sale of the home at this amount would leave me owing Bank of America money.    XXXX   XXXX   Went to Master of Equity Court h earing where final sale date was set to be  XXXX   XXXX . During this hearing, they waved all deficiency 's against me. At the  Auction  Bank of America bought my home at the sum of {$290000.00}. Why would they pay more than what they said the house was appraisal was for? Now they have control of the house on the website the square footage is correct at  XXXX  sqft. I was also applying at the time of the sale for a loan modification, After making a complaint. They called me on Wednesday to tell me to have the paperwork in with my yearly taxes no later than Monday. She submitted a request to postponed the sale. We had a storm that knocked out the power in the area and it made national news so, I was unable to fax the paperwork till late Monday evening due to the power outages. I got a letter dated  XXXX   XXXX ,  XXXX  that they need more time for my loan request. This letter came after they sold my home.   I have kept a detailed list of everyone I talked to and on what dates. I also on  XXXX  I requested a copy of my full mortgage file including, all  Notes, recordings, paperwork all details of my acco unt.   Here is a sample of the ordeal I have gone through and the run around Bank of America has done.    XXXX  I faxed the first loan modification paperwork to them. Now, this was only allowed after they had foreclosure hearing in the  XXXX   County Master  of Equity Courts. They would not all ow me to apply for a loan modification prior to that time. I called other Banks to get it done and they said I had to work with Bank of America. I could not even get a lawyer to touch this with a ten-foot pole.    XXXX  Bank of America wanted more information that was also faxed in as well  XXXX   XXXX  Got  XXXX  letters from Bank of America dated the same day came at the same time the  1st le tter was telling me what would happen next after they were processing the loan modification paperwork. Th e 2nd  Was to inform me that they could not do a loan modification because it was a   XXXX   XXXX   loan.    XXXX  Talked to a  XXXX   XXXX   XXXX  at  XXXX  explained for me to fax her the information which I did to. A fax was sent to  XXXX   XXXX  # on every page.    XXXX   XXXX   XXXX   XXXX   XXXX  wanted more information so I again sent the information requested to  XXXX .    XXXX  at  XXXX    XXXX    XXXX   XXXX   XXXX  did call and she informed me she had gotten the information that was sent. If I was approved the next step would be to pay 3 months payments after that the payment interest would go down to 2 % instead of the 6 % which would drop the interest on the payments a great deal. This was exciting news as it was looking good she said she saw no problems with the paperwork.    XXXX  another hanger left on the door to contact Bank of America so I called  XXXX   XXXX   XXXX  to see if there was a problem and was able to leave a message that I was calling due to the flyer left on the door.    XXXX  Another packed from Bank of America arrived that looked just like the ones I had filled out prior I filled those out and sent those back as well.    XXXX  Tried all day to reaches  XXXX   XXXX   XXXX  left messages on her voice mail.  XXXX   XXXX   XXXX   XXXX ,  XXXX  :  XXXX ,  XXXX  :  XXXX ,  XXXX    XXXX    XXXX  Called  XXXX   XXXX   XXXX  and called again repetitively leaving messages for her to please call me to let me know whats going on.    XXXX   XXXX   XXXX   XXXX  did call back wanting more information on  XXXX   XXXX  my common law husband and how much income he was putting towards the house. She was mailing me a form letter to fill it out and return it when the letter was received.    XXXX  There was a voicemail message left for me on my phone from  XXXX  Message code was  XXXX .    XXXX  Called  XXXX   XXXX   XXXX  at  XXXX  to ask if she got the faxed information I had sent,  XXXX   XXXX   XXXX  informed me it takes s 24-48  hrs for faxes to upload to the system. She asked if I had received the packet she sent, I replied at this time no.    XXXX  I called  XXXX   XXXX   XXXX  to inform her that the forms had come to please give me a callback.    XXXX  I called at  XXXX   XXXX   XXXX   XXXX  again asking for a return call and then again at  XXXX   XXXX  Called for an appeal for the Makin g Homes Affordable a t  XXXX , they told me in  3-4 d ays they are calling back to see if I can have an appeal.    XXXX   XXXX   XXXX  called to introduce herself she be collecting my information for the underwriting department.    XXXX   XXXX   XXXX  called to say I was denied the loan modification no reason was given.    XXXX  called  XXXX   XXXX   XXXX  set up a time for her to call  XXXX  She called and said I would be getting a letter of explanation,  XXXX   XXXX   XXXX  told me about the SC Help program that was helping people that were the hardest hit.    XXXX   Called  Bank of America to let them know that the SC help program would be working with me  XXXX  Called  XXXX   XXXX   XXXX  about the letter at  XXXX    XXXX   she said to take the investor letter to the SC Help Program. I asked is there anything else that I can do she said she was not sure why they said it was a   XXXX   XXXX    lo an it 's not she told me again to take the investor letter to the SC Help Program.    XXXX  Took over a month for the investor letter to reach me in the mail. I called  XXXX   XXXX   XXXX  again asking for the payoff of the mortgage as to date I needed this information for the SC Help Program.    XXXX  called the  XXXX  and the Home Owners  Hotline talk ed to  XXXX   XXXX  at  XXXX  ext  XXXX   XXXX   XXXX  did a   XXXX  way call with Bank of America to talk about the Home Loan and  XXXX   XXXX   XXXX  would not allow  XXXX   XXXX  to stay on the line with us as we talked about the home loan.    XXXX  Bank of America wanted a Debt to  Income  ratio report done by me and the information to be sent to  XXXX   XXXX .    XXXX   XXXX   XXXX  was called I wanted information about the sale date of the house and more information on the status of the loan. She called bac k 1-2  weeks later.   Called Bank of America they transferred me to   XXXX   XXXX   Department at  XXXX   XXXX  They also wanted a debt to ratio report done. I did what they asked. I have a   XXXX   XXXX   XXXX   degree I know if I can afford the loan or not  XXXX  An appointment was made through Bank of America for  XXXX   XXXX   to call  me from  XXXX  She said she said she put a hold on the sale.    XXXX  Received letter loan was in review  XXXX  Received letter loan was in review  XXXX  Called   XXXX   XXXX   XXXX   that was handling the foreclosure for Bank of America they referred me to the Loss Litigation department at Bank of America  XXXX  a  XXXX  answered. She transfered me to the Foreclosur e Escalations De partment with Bank of America.   I consulted a  Real Estate  agent to see about putting the house on market she said since it was in foreclosure Bank of America would take it over and do a short sale on the house. They had the wrong information and low appraisals on the property so I was unable to do that as they had a Deficiency judgment against me.   The lady at the Foreclosur e Escalations department   wanted to know why when I had a credit to my account of  XXXX  I did not make any payments, This was a shock to me as I had sent in payments before and they had always been returned. I was not aware that I could have made payments at this time. The  XXXX  was a Hold on the Check to the fire   contractor that had been making repairs to the home.\nBank of American called the contractor that was doing repairs on the house and told him m  y personal information that I was in foreclosure. Then, of course, he stopped all work on the house.    XXXX   XXXX   XXXX   XXXX  Called at  XXXX   XXXX  I ask her for a new appraisal because the information on the appraisal was wrong the square footage was wrong it was way to small listed, the type of house was a brick, not vinyl, Her reply was  No . I told her I would like to sell the home she said she can not postpone a hearing. She said but the sale date for the house she can. So go to the hearing and then let her know what was the outcome. She transferred me to the Foreclosure Department and they were no help at all again a transfer to nowhere.    XXXX   Central Escalate Depa rtment was called they will call back in 5 business days.  XXXX   XXXX , she will research the loan information and see what can be done with was at  XXXX     XXXX     XXXX  at  XXXX   XXXX  I got a call from  XXXX   XXXX  she informed me she left a message for  XXXX   XXXX   XXXX   XXXX   who was handling Bank  of American fo reclosures to give her a call. She said she did not have the power to stop the sale date of the house, but that the affordable home care act modification and  XXXX   XXXX  could. I then called  XXXX   XXXX  line and the voice message was no longer her ext just numbers. Come to find out she was no longer my account  manager,   seems I did not have e one a fter making call after call after call to her.    XXXX   XXXX   XXXX   XXXX  's called He talked to me about the loan modification would be overnighted would have it by Friday. So again fill out papers and send back in.  XXXX   XXXX  's was trying to do a   XXXX  -way call with the Foreclosure department to talk together with them about the loan account. We got cut off after being put on hold, he called back to me told they Refused to talk to me about my account he was shocked as well as I was.  XXXX  said I have never heard of this before!    XXXX  called back got a  XXXX   XXXX  she told him to have me  send loan  the paperwork into him.    XXXX   XXXX  called back to let me know he had gotten the faxed paperwork and would be working on it  XXXX  I called and left messages for  XXXX   XXXX  to please call me back, then I called Customer Service and a lady answered I ask her if she could check my account and see if they fax I had sent if  XXXX   XXXX  had received. She replied us it was uploaded on Friday. Now this threw up red flags for me as I had been told in the past many times it takes  24-48  hrs to show up in the system and it was there the same day!  XXXX  called me back this day to inform me that he had put into the Escalation department a hold on the sale of the house.  XXXX  wanted his s manager   XXXX   XXXX  to contact me his number was  XXXX .    Called Bank of Am erica and talked to a  XXXX , I told him will someone please work with me on this. Then at  XXXX  I called  Home Retention  at  XXXX .  XXXX  was supposed to call me back at  XXXX  am on the sale date of  XXXX   XXXX . I called and was transferred to the Foreclosure department at  XXXX  no one answered so I called and left  XXXX   XXXX  a detailed message on what was going on and what could be done.    XXXX   XXXX  called at  XXXX  he said he did the request to stop the sale of the house on Monday to the foreclosure department that he had been in training all day the day before. The foreclosure department notified  XXXX  that his request had not been in time and he tried to explain he was in training and they would not let him out to handle this until he did the paperwork.    XXXX   XXXX  tried to call the lawyers of   XXXX   XXXX   XXXX   and said that the number had been changed from t he one  he had on file. He told me to call the  Real Estate Owned Depa rtment I did and got  XXXX   XXXX .  XXXX   XXXX  said to call the   XXXX   XXXX   XXXX   XXXX   to see if there was a redemption period for my state. The clear of the court was clueless on what  XXXX   XXXX  was wanting.    XXXX  Talked to  XXXX  at  XXXX  ext :  XXXX  at Bank of America, He said he would research my mortgage account about my account  manager being changed and me having to go withou  t one , I also being under review for a loan modification and the sale date being postponed.    XXXX   XXXX  was called and said that he was going to take to the   XXXX   XXXX   XXXX   attorney and after he was done he call me back, He did and told me that the lawyer that had handled the case in the past was no longer with   XXXX   XXXX   XXXX   He talked to the lawyer about the bid for the house being withdrawn from the foreclosure department.    XXXX   XXXX  said he has not heard anything back from   XXXX   XXXX   XXXX   who handled the sale of the house for Bank of America. He said he needs a letter from me giving him permission to talk to   XXXX   XXXX    XXXX   on my behalf. I called him back the same day to let him know that I had sent the letter that would give him the right to talk to them for me. He said that he needed that the modification department was requestion was tax information. Which I sent right away back to him.    XXXX   XXXX  called to let me know he got the letter and the information requested. He had also left another message for   XXXX   XXXX   XXXX    an d for the Foreclosure in regards to retracting the bid and sale of the property. That my account had been transferred to t he Real Estate Owned Division of  Bank of America.  XXXX  would be calling  XXXX  as he was still looking into the loan account.  XXXX  said I was still active in the loan modification program and that right there alone should have stopped the sale of the house. I was advised to call  XXXX   XXXX   XXXX  Called  XXXX  left a message to please give me a call back we really need to find out what his research on the mortgage was, Also I had no account    manager, and was still active in the modification pr ogram.    XXXX   XXXX  had been scheduled to call and Did not so I called at  XXXX  and Talked to  XXXX   XXXX  told him no one is calling me back he put me on hold to try to transfer me to  XXXX . He was unable to so put me back on hold yet again to come back to tell me that he was not able to find anything out.  XXXX  thought it might be good to talk to the Escalations Department.  XXXX  made an appointment for  XXXX  with th e Escalations De partment. I called  XXXX  To ask why  XXXX  nor his managers were calling me back to help me they told me that  XXXX  has to be the one that files resection sure the redemption period.    XXXX   XXXX  did call me talked I explain to him what  XXXX  said that resection needed to be done and by You (  XXXX   XXXX .  XXXX   XXXX  emailed his  manager   XXXX  to please call him  XXXX   XXXX  did not call  XXXX  back instead he left the office.  XXXX  called the Customer Escalation department at  XXXX  ext  XXXX . That I would need to talk to  XXXX .    XXXX  Tried again to Call  XXXX  and got no response back.    XXXX   XXXX  was sorry but that whoever had assigned her to help should have known she was scheduled out of the office. She said she would do some research and get back to me. Spoke with  XXXX  he said he just happen to see an email that things are still going good in the review and to call back after I talk with  XXXX  again and that we (  XXXX  and I ) would talk to his manager  XXXX   XXXX  on Monday morning.    XXXX   Called Ba nk of America to talk to  XXXX  got no answer left messages . Called Cust omer Service lady names  XXXX  answered she said that  XXXX  would be gone after  XXXX  for lunch and  XXXX  he had an appointment. So I could not research  XXXX  tried to call  XXXX  again no luck there as well. Talked to  XXXX  in foreclosure about what was going on with the loan file.  XXXX  said that  XXXX  would need to be the one that does the rescission and he would send him and email on what needs to be done.   So as you see for over a month I was given the run around about who needed to do what and all along it was  XXXX  that needed to do the rescission.    XXXX  Called  XXXX  said I was calling about the rescission, He informed me he was talking to  XXXX  and had to get the approval from   hiss manager     XXXX   XXXX .  XXXX  would have to talk to hi s manager  who was  XXXX   XXXX  and   XXXX   XXXX   would have to talk to his  manager w ho was  XXXX .  XXXX  then transferred me to  XXXX   XXXX  who was very nasty and informed me that all past due money would have to be paid for the account to have a rescission. He started to talk to me and then just hung up on me.   I called the Bank  of American  Customer service number and spoke with a  XXXX , he said to call the office of the president for Bank of America but he did not have that number.    XXXX  I Called  XXXX  back asking why he had not called me to let me know what was going on with my file. Got no answer so again called Customer Service and got a   XXXX   She transferred me to the Foreclosure Department talked to  XXXX , He said there was nothing that could be done. That a rescission was filed on  XXXX  from a  XXXX  in the Home Retention department, that the postponement of the sale had been submitted on  XXXX  by  XXXX  Now to me, this was over a month of me running around from place to place trying to get information that was already in the system. There is a lot more of this kind information that I have all the way to the present date. I am just looking for help to get a modified loan so that I can keep my home.My husband has  XXXX   XXXX  as well as  XXXX , so keeping the home he knows is what I would really like to do. If I need to I would be willing to sell the home at the value the home is worth. Is there anyone out there that will help me, please.   Thank you for your time in reading this letter  XXXX   XXXX   XXXX","date_sent_to_company":"2017-05-03T23:59:00.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"296XX","tags":null,"has_narrative":true,"complaint_id":"2474754","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-05-03T23:54:03.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["That alone helped me realize what they <em>were</em> seeing in their system, this information was not correct and why they <em>were</em> not willing to help  me.No one , not even a lawyer would help me. I feel this wrong information was a crime against me to keep me from saving my home I was able to <em>stop</em> the sale of the house because I did not have a case  manager.  Then the house was sold but then they had to undo the sale In  XXXX ."]},"sort":[7.7968464,"2474754"]},{"_index":"complaint-public-v1","_id":"12452814","_score":7.4724994,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Please see below for the context into our dispute regarding an installment loan through Synchrony Bank as well as our experience through the dispute process. \n\nIn XX/XX/XXXX, we hired XXXX XXXX XXXX XXXX  XXXX XXXX to install a full HVAC system ( Units and Duct Work ) for {$15000.00}. We signed the contract ( attached ) on XX/XX/XXXX, and opted for the third-party financing through Synchrony Bank that XXXX XXXX  XXXX offered. As per the timeline ( attached ), XXXX XXXX did not complete their due diligence before the installation and midway through installation, their electrician arrived and flagged to them that the unit they contracted us for would not work with the current electrical panel within our house. Their electrician quoted us an additional {$8400.00} for a panel upgrade which after the fact we realized is close to double what most electricians around XXXX, NC charge for that service. \n\nWe were now stuck in the middle of the summer with no AC, half of an HVAC installation, and XXXX XXXX and their electrician trying to charge an additional {$8400.00} for an electrical upgrade that was not flagged before we signed the contract. Noted, we would have never opted for this specific system knowing we would have to pay an additional {$8400.00} or we would have at least received multiple quotes beforehand for an electrical panel upgrade. \n\nAs we could not budget the {$8400.00}, XXXX XXXX tried to remedy the situation by installing a more efficient system that could work with our current electrical panel. They assured us that this would work fine and it was actually an upgrade to what we signed the contract for. Under those circumstances, we allowed XXXX XXXX to proceed with their solution and they finished the installation on XX/XX/XXXX. Unfortunately, it became apparent rather quickly that the installed HVAC system had multiple defects. Please refer to the documents for more details on the HVAC issues but in summary, there were multiple code violations that would have failed count permitting, the ducts were not sealed which pulled crawl space air into our house, the indoor unit was draining into our crawl space which potentially caused further damage to our home, the thermostat was reading 5 degrees higher than actual room temperature, and later when they tried and fix the issues, both the heating and cooling stopped working completely. When we requested that XXXX XXXX come and fix it, they came by on two separate occasions but were unable to remedy the issues. After this, they ignored all of our communication attempts leaving us with no AC during the late summer. \n\nWe would then dispute the transaction with Synchrony Bank over the quality of goods and services provided by XXXX XXXX since there were many known defects and we now realized we would have to hire a new company to fix or potentially install an entirely new HVAC system. It was after Synchrony contacted XXXX XXXX regarding the dispute that XXXX XXXX reached back out to us, disregarding our previous requests and asking if they could schedule a final inspection. We reiterated back all of the current installation issues and with reason to suspect bad intention by XXXX XXXX, we requested that they agree in email to fix the issues at hand, which they refused to do so. When trying to talk to their License Holder XXXX XXXX, who per the State is supposed to be overseeing the project, they refused as well. As this drew out for months we started to experience below-freezing temperatures outside and we were without central heating ( It would drop to high 40s farenheit in our home ). We had multiple contractors assess the situation and their recommendations were to install an entirely new system since XXXX XXXX 's installation was a significant repair job and they did not want to assume liability for defective work. On XX/XX/XXXX, we hired XXXX XXXX XXXX  XXXX to install a new HVAC system which has been working to this day. We also offered XXXX XXXX the opportunity to pick up their equipment and they refused, as per our email communications. \n\nRegarding the Dispute with Synchrony Bank, this has been ongoing since XX/XX/XXXX and it still open today ( XX/XX/XXXX ). During this window, they have closed the dispute 4 times and sided with XXXX XXXX each time. Every time they closed it and I ask for the reasoning, they will not let me speak to the investigation team and they reiterated that XXXX XXXX told them the situation has been fixed or that they tried to remedy the situation and we refused. Synchrony has taken their word at face value despite us the support below : Documents Provided to Synchrony Bank -Timeline of events -3rd Part HVAC installation ( with pictures ), confirming the issues we requested XXXX XXXX  to fix -Text communications indicating their lack of due diligence with the electrical issue and them later ignoring our communication attempts -Formal State Complaint Document we filed against XXXX XXXX. The state find multiple violations and are requiring XXXX XXXX to appear before them in XXXX -XXXX XXXX cancelled city permit -All email communications with XXXX XXXX  XXXX showing their refusal to reach an agreement -Our decision move forward and hire a sperate contractor to install a new HVAC system After talking to multiple different synchrony representatives, it became apparent that the information we were receiving from the synchrony customer service was inconsistent and in many cases, not true. After they closed the dispute from XXXX in favor with XXXX XXXX, I spoke to a representative who re opened the case for us and said it would now be handled at an escalated level of review. When asking them what Synchrony 's reasoning was for declining our dispute request given the circumstances with the clear defects and XXXX XXXX refusal to agree to fix them, he inferred to me that XXXX XXXX told the bank that they would not pay them back the loan balance. I asked him how many times would we need to repeat this cycle of opening and closing dispute cases for which he replied, he said seen cases go on much longer before they were finally resolved. On XX/XX/XXXX, I began recording the phone conversations and informing Synchrony I was doing so. When I asked the representative if this time the case was being reviewed at an escalated level, they had no knowledge to what I was referring to and they told me the case was still being handled at the basic review level. Additionally, they told me that none of the information I had submitted had been reviewed even it had been 3 months after the original dispute was opened. When I called again on XX/XX/XXXX, the representative told me that they only had 12 documents from us even though I had submitted over 40. I resubmitted everything again with an summary to help them navigate these documents and strongly requested that this time, they review and retain everything. On XX/XX/XXXX, they declined our dispute again and when I called a representative to get more information, they cited the reasoning being that XXXX XXXX said they tried to resolve the situation and we refused. I explained to him that if they had reviewed our documents they would know that was not true. Once I walked him through our situation as well as our previous interactions between synchrony representatives, he opened a new dispute case and claimed that he would leave notes for the investigation team to review all the information we provided. He also informed me it would be handled at an escalated level or review and gave me the phone number for this specific team. On XX/XX/XXXX, I called the phone number he provided me and it was the wrong number, routing me to the collections and bankruptcy department. The people on the phone could not understand why he would have done this and transferred me back to the number I had been calling all along. \n\nThough Synchrony Bank has been willing to re-open the dispute, it has become apparent they are basing the outcome of the dispute on whether or not they think XXXX XXXX, the merchant, will pay them back their loan balance. As they do not believe XXXX XXXX will do so easily, they have extended the dispute process with no end in sight. This has been evident through the complete disregard of the documents that we have provided as well as the inconsistent information given by each Synchrony representative. Synchrony Bank has taken no clear direction on resolving this case. Not only had this delay been a burden on much of our time and peace of mind as they hold a {$15000.00} loan over our heads, it originally delayed us from finding a solution to our HVAC issues and exposed us and our home to extreme temperatures and humidity. \n\nPlease refer the the \" SUMMARY OF DOCUMENTS PROVIDED on XXXX '' for a summary each document that has been submitted to Synchrony.","date_sent_to_company":"2025-03-13T19:27:52.000Z","issue":"Problem with additional add-on products or services","sub_product":"Installment loan","zip_code":"28205","tags":null,"has_narrative":true,"complaint_id":"12452814","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-03-13T19:03:06.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, I called the phone number he provided me and it was the wrong number, routing me to the collections and <em>bankruptcy</em> <em>department</em>. The people on the phone could not understand why he would have done this and transferred me back to the number I had been calling all along."]},"sort":[7.4724994,"12452814"]},{"_index":"complaint-public-v1","_id":"2869955","_score":5.6455026,"_source":{"product":"Mortgage","complaint_what_happened":"Hello my Name is XXXX XXXX I am the widow of XXXX XXXX XXXX Whom Passed away suddenly onXX/XX/XXXXat the age of XXXX years old,  we had no will nor was my name on the mortgage or deed for the reason being I was fighting for a workman '' s compensation settlement and when I got that My husband and I were going to buy another property in my name as an income and rent it out. Unfortunately my husband passed away before I got a settlement. When I called Chase to tell them my Husband passed away I asked them what I needed to do all they said was send a death certificate, I told them my name wasn't on the loan or the deed is there anything else I needed to do? They said NO just send a death certificate. Which I did right away. I borrowed money from my Mom at that time to pay mortgage ( My Mom is now deceased as of XX/XX/XXXX ) and called my compensation Lawyer and told him my husband passed and I need to take whatever they would offer me so I can keep a roof over my head. So in XX/XX/XXXX I got a settlement nothing of which I would of gotten if I kept on fighting due to my injuries I obtained at my job at a XXXX XXXX.So I continued to pay mortgage, I payed off a trustee payment early that my husband had because he filed bankruptcy due to falling behind on mortgage due his lack of XXXX  work in the winters here in the XXXX.He work  all year round when we lived in XXXX XXXX XXXX. We didn't know of lack of winter work in XXXX or we would of put money aside for the winter months. Well in XX/XX/XXXX my deceased husband received letter from mortgage company saying the mortgage was being raised almost {$200.00} which exceeded my income. So I called mortgage company to ask for help. They told me they couldn't talk to me because my name was not on the loan! I had been paying mortgage with check in my name solely for years and they wouldn't talk to me. I made a partial payment they sent it back. full payment only they said.So I kept on calling and asking for supervisors and finally got one that spoke to me to tell me what I needed to do.Which is what they should of told me back in XX/XX/XXXXwhen I called to tell them my husband passed away. On XX/XX/XXXXmy husband received this letter in the mail which upset me greatly, not to mention all the phone calls three to four times a day asking to speak to him because now I was behind on the mortgage.This letter which I will attach to this complaint thanked my husband for his inquiry about authorization to discuss mortgage loan with another party. they stated in letter they updated there records showing my husband authorized Me ( XXXX XXXX ) to discuss his account. REALLY So I called them and asked them for a copy of that letter they claim he wrote. I never got one of course because a deceased person can't write a letter after being deceased for 2 years and 11 months & if he did I sure would love to have seen it. So I went through the process to get a pro bono attorney since my income was so low from my SSI from my XXXX. I opened an estate in my husbands name and got what I was told is called a short certificate which gives me the right to sign documents pertaining to the home I still live in and gives the mortgage company the right to speak to me, I could sell home which I did try to do for three years the market being so bad I had no luck with that.I have applied for I can't tell you how many Loan Modifications I went to court every two to three months for a year fighting to get a modification.The lawyer representing the chase bank, kept telling the judge/ facilitator ( not sure if he was an actual judge ) Her Meaning me XXXX XXXX situation was different than most and they didn't know what to do with me? That's what he said in the court room each and every time we went. Finally the Judge/Facilitator said he wanted someone at the next hearing there from the bank. So yes the flew someone in and that lady said my income was too low to fit the guidelines so it made no sense to send her application to the underwriter. So that was the end of the court dates The judge/Facilitator looked me in the eye and said if I get paper from Social Security with my raised income prior to sheriff sale date I should immediately refile for a modification, In XX/XX/XXXXI received a letter of my income raise because I am XXXX I am eligible to collect on my deceased husbands Social Security which almost doubled my income so I quickly applied because Sheriff Sale was set for the end of XXXX. The sheriff sale was stopped, but since then I keep filing for modifications I give them EVERY Document they ask for and now all they keep saying is they want me to put my name on the deed first. I was told by lawyer the federal government does not require my name to be on the deed in order to be approved for a modification. So why is it they want my name on deed? Now I went to see my lawyer onXX/XX/XXXX at XXXX XXXX   he told me I was approved for a modification but before they will give my lawyer or me the specifications of the modification I have to put my name on the deed.He has nothing in writing that I was approved nor do I, He received a phone call from XXXX XXXX at chase telling my lawyer I was approved and I need my name on deed before They will give us any specifications or move forward?? REALLY So I tried calling this XXXX XXXX 4 Times at XXXX XXXX XXXX XXXX  well I never got this person not once the people I spoke to at chase now tell me they can't speak to me because I have an attorney. REALLY? I have had this pro bono attorney for years and they spoke to me before. My Lawyer told me to call them to see if I can get any answers my lawyer also told me to ask them if I put the property in my name and then I don't agree with whatever there modification specifications are, will the mortgage company accept a deed in lieu of foreclosure? Well mortgage company wouldn't speak to me, so I wrote a letter to the Mortgage company Attorneys sent it return receipt requested which I should of gotten a signature, so I would know who signed for it, all I got was a stamp with firms name on it and a date they received it.Which wasXX/XX/XXXX I or my Attorney hasn't heard anything from them I will attach the letter I wrote and the return receipt so you can see. I have been fighting tooth & nail to keep this house even in court once I was so sick and so upset I told the mortgage Attorney just give me back the money I paid into the home since my husbands passing minus the homeowners insurance and taxes and I will give them the keys to the house. His response was they can't do that, What I have learned in these many years of fighting to keep my husbands dream home alive is the mortgage company can do whatever they XXXX well feel like it and no one can stop them. I recently heard from my cousin her sister use to work for chase in there modification department she told me to file a complaint she said it can't hurt. I have developed may medical issues due to the stress over this house and all the stuff the mortgage company has put me through, you know I have sent them over 11 death certificates because when I would call they couldn't find it in there system, REALLY Where did they put them all?? Maybe it is with the letter my deceased husband didn't write them in XX/XX/XXXX that they claim he did.So Now I am stuck. Sheriff sale is coming upon and if I don't put my name I the deed I won't get a modification and if I do put my name on the deed if I turn down modification then the foreclosure will go on my credit report and I will NEVER be able to buy a home or even rent an apartment because they check credit reports now even for apartments, the mortgage company has XXXX me so badly!! I will not let them XXXX me with this, if the federal law states my name doesn't have to be on the deed then why can't they tell me the specifications of the supposed modification they say I am approved for. What is the big secret?? They now claim my deceased husbands owes them {$160000.00} plus on this home we owed {$81000.00} when this started in XX/XX/XXXX My husband purchased home for {$100000.00} that was including the closing costs he didn't have to put any money down when he purchased home. Now, If they told me what I needed to do back in XX/XX/XXXX when he passed away I would not be sitting here writing you or anyone. There lack of doing there jobs correctly has cost me XXXX XXXX XXXX XXXX XXXX  issues all from stress that I shouldn't even be going through. I have heard so many times they don't care where mortgage payment comes from they told me my neighbor can pay for all they care, I was told that. Okay but that law should be changed because is that why they didn't tell me what I needed to do when my husband first passed? They wanted to see how much money they can get from me first? When I got an attorney he told me technically I should of not paid anything on the home because technically I don't own it. I live in Pa which is the commonwealth state which I thought if the spouse passes away everything would go to the wife. Anyway I feel a great Injustice has been done to me! If I was told the right thing from the beginning none of this would of happened or be happening to me now, so I wasted all my compensation money on paying for a house I am told isn't mine I did A lot of fixing to the house through the years bathroom all redone, replaced gutters had to cut down trees driveway stones, etc. Now I don't have that money to use as a down payment on another home that '' s smaller. I know none of this is your problem either but my cousins sister use to work for Chase in there modification department and she told me to file a complaint. I want to know what the modification specifications are. This house is not worth {$160000.00} plus I owed XXXX on it when this issue began. The interest on the loan my husband took out is 7.75 % I was told by a woman that was helping me for a while from XXXX XXXX XXXX that the mortgage company can change the interest rate and give me the home for the value it is worth. anyway There is so much they have said and done to me in the many years of fighting to keep this home which I consider mine since I have lived here with my husband for 7.5 years and then I have continued to live here since his passing the home was purchased inXX/XX/XXXXso I have lived here for 17 years The homeowners insurance policy has been in my name only since my husband passed away they told me it had to go in my name because I couldn't carry homeowner 's in a deceased persons name, so if my name is on homeowners policy that the mortgage company still pays on, I renewed policy on XX/XX/XXXXand the mortgage company paid it. The homeowners and taxes was Incorporated with the mortgage at the time my husband purchased home. They still pay both. So If they are paying a homeowners policy that's in my name only how can they say this house isn't mine? How can they not tell me what the approval of modification is?? How do I even know that a real approval exists? I have no proof and my lawyer just got a verbal approval from XXXX XXXX @ Chase. Maybe this is just a lie so the house will go to sheriff sale and they win and I am homeless with my two dogs and a renter. I even rented out a room to raise my income to help my chances for an approval. can you help me in any way??? I am really at my wits end here I feel I am fighting a losing battle.So many  houses around me the people just up and left their homes before they were even given a notice They had family 's they were working so before that foreclosure would go on there credit report they up and moved someplace else and left their homes there are 5 homes on my side street I know they did that, they have all been sheriff sale and Repurchased and people are living in them now. Here I sit still fighting for mine!! I guess because I have no family to help they are all deceased My XXXX Dad passed in XX/XX/XXXXmy XXXX Mom passed inXX/XX/XXXX, my husband is passed and his mother has passed.So I am doing everything everyone asks me to do, fill out this form send in this paper over and over again and I am getting no where they has to be something wrong with this process I swear there has to be. People I tell this too can't believe the bank can do this to me and put me through all of this.Is there anyway you can help me?? I would Greatly Appreciate anything you can do!! Sincerely, XXXX XXXX","date_sent_to_company":"2018-04-09T22:20:11.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"183XX","tags":null,"has_narrative":true,"complaint_id":"2869955","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-04-09T22:12:40.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["His response was they can't do that, What I have learned in these many years of fighting to keep my husbands dream home alive is the mortgage company can do whatever they XXXX well feel like it and no one can <em>stop</em> them. I recently heard from my cousin her sister use to work for chase in there modification <em>department</em> she told me to file a complaint she said it can't hurt."]},"sort":[5.6455026,"2869955"]},{"_index":"complaint-public-v1","_id":"13519313","_score":4.3591275,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX XXXX AKA XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, California. XXXX. ( XXXX ) XXXX Cell Email : XXXX Dear CFPB, I, XXXX XXXX XXXX, now a XXXX XXXX XXXX single XXXX American male, fell victim to a so called online \" pig butchering '' scam in the Fall of XXXX. The derogatory moniker pig butchering alludes to the practice of fattening a pig before slaughtering it, and refers to the lengths taken by its perpetrators to gain the trust and confidence of their victims. \n\nWithout question, the evil doers are the unknown criminals who orchestrated the scheme to set up a fake investment platform/website to steal my money. However, the crime required the assistance of a bank -- - in this case, assistance and aid provided by agents and representatives of JPMORGAN Chase XXXX, XXXX. ( Chase ), including XXXX, California downtown main branch, corner of XXXX and XXXX XXXX XXXX, and the XXXX XXXX XXXX branch in XXXX, California branch employees. \n\nChase has known for some time about these schemes and how its agents assist in perpetrating them, and it has been named in an increasing number of lawsuits involving elder Chase customers being defrauded by authorized transfer scams dependent on the banks active involvement and cooperation. \n\nBetween the Fall of XXXX to the end of XX/XX/XXXX, XXXX, California XXXX employees assisted in defrauding me out of approximately {$200000.00} leaving me with nothing. This appears to be a blatant violation of the Elder Abuse and Dependent Adult Civil Protection Act. \n\n\" Pig butchering '' scammers often target their victims through online communications platforms. They frequently initiate contact with their victims by saying they came across their contact info and then start a conversation. After gaining the trust of their victims sometimes over a period of months scammers eventually introduce the idea of investing in business projects where the victims are directed to spoofed websites that are built to look like legitimate companies. This is what happened to me. \n\nThe scammers then require the assistance of financial institutions, like Chase, and bank branch employees, to authorize large transactions, which the victim believes to be an investment. Once financial institutions like Chase authorize a transaction that the victim. like me, believes to be an initial investment, the scammers purport to show increasing financial opportunity. \n\nPig butchering scammers assisted by financial institutions like Chase, that continue to assist the scammers through repeated suspicious transactions do not stop until they have deprived victims like me of any remaining savings. \n\nElder financial abuse, including pig butchering schemes that often target elders, has become as ubiquitous as it is pernicious. Older adults are targets for financial exploitation due to their income and accumulated life-long savings and thus scams targeting their savings have proliferated over the last decade. \n\n\nOften called the \" crime of the 21st Century, '' elder financial abuse is epidemic, with estimates of the annual economic losses as high as {$37.00} billion per year. Those monetary loss estimates do not include the often severe mental and/or physical impacts of financial abuse upon the elderly victims health and well-being. One of the documented impacts of elder abuse is earlier morbidity, with victims being three times more likely to die early than similarly situated non-victims.\n\nChase representatives across two branches along with the banks inadequate policies, procedures and controls failed to protect me, a loyal and vulnerable long time customer, when they transferred approximately a quarter of a million dollars from my Chase account in question ( My Chase account ) on several occasions, without performing a sufficient risk assessment. \n\n\nAt no time throughout this scheme to defraud did Chase employees ask any pertinent questions, flag these highly irregular and suspicious transactions for further review, or complete a sufficient risk assessment regarding the transfers, despite the potentially fraudulent nature of these LARGE transfers and the fact that the money was being simultaneously pulled regularly from my account. Nor, did a Chase Bank XXXX ever offer or require approval for these frequent HIGH VALUE transfers. \n\nPrior to the Fall of XXXX, I had never transferred such regular and large sums of money with Chase. These fraud scam amounts dwarfed the average monthly balance in my accounts in prior years. \n\nThe sudden, irregular activity in my account strongly suggested the financial exploitation of an elder that Chases own website states is on the rise. \n\nNonetheless, not one of the numerous agents of these two Chase Bank branches who personally completed numerous fraudulent transactions and observed the sudden onslaught of irregular activity, ever reported that financial elder abuse may be occurring ; delayed ( or even questioned ) the unusually large transactions or prevented the fraudulent activity from happening. \n\nFurther, the Interagency Guidelines specifically identify the well-known hallmarks of financial abuse of older adults, including, but not limited to : Erratic or unusual banking transactions, or changes in banking patterns, such as : Uncharacteristic attempts to wire large sums of money. \n\nA single such banking transaction by an elderly customer signifies financial abuse of an elder, as defined by California law, that is specifically identifiable and preventable by Financial Institutions like Chase Bank. \n\nA decade ago, the XXXX XXXX XXXX XXXX XXXX Federal Reserve XXXX and Consumer Financial Protection Bureau joined with six other federal agencies in issuing an Interagency Guidance on Privacy Laws and Reporting Financial Abuse of Older Adults Interagency Guidance to financial institutions such as Defendant Chase. \n\nThe XXXX XXXX underscored what by then was a well-known problem to Defendants and the rest of the banking community : Recent studies suggest that financial exploitation is the most common form of elder abuse... Older adults can become targets of financial exploitation by family members, caregivers, scam artists, financial advisers, home repair contractors, fiduciaries ( such as agents under power of attorney and guardians ), and others. Older adults are attractive targets because they XXXX have significant assets or equity in their homes. They XXXX be especially vulnerable due to isolation, cognitive decline, physical XXXX, health problems, and/or the recent loss of a partner, family member, or friend. Financial institutions can play a key role in preventing and detecting elder financial exploitation. A financial institutions familiarity with older adults it encounters XXXX enable it to spot irregular transactions, account activity, or behavior. Prompt reporting of suspected financial exploitation to adult protective services, law enforcement, and/or long term ombudsmen can trigger appropriate intervention, prevention of financial losses, and other remedies. \nAs between a disadvantaged elderly customer and the financial institutions entrusted to keep the costumers savings safe, only the latter is realistically positioned to prevent scams which are so obviously preying upon elderly clientele like me. \n\nIn violating their own policies, procedures and controls, Chase knew or should have known that their actions were likely to be harmful to me. The financial elder abuse that took place would not have occurred were it not for Chase Banks actions. Because of these actions, I have suffered irreparable financial loss and significant emotional distress. \n\nIts ironic and patently unfair that while Chase Bank XXXX offers fraud protection even for authorized fraud payments/transactions, Chase Bank XXXX has not signed on board to protect customers like me in the United States XXXX \n\nhttps : //www.chase.co.uk/gb/en/support/scammed-faq/ * My Global XXXX XXXX Chase Bank XXXX account ends in XXXX Here some transaction dates and amounts involved> {$20000.00} XX/XX/XXXX {$30000.00} XX/XX/XXXX {$34000.00} XX/XX/XXXX {$3700.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$13000.00} XX/XX/XXXX {$21000.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX {$15000.00} XX/XX/XXXX {$11000.00} XX/XX/XXXX Here, BELOW, is an outline of the scam I can present you with all of the Chase Bank XXXX XXXX transaction tickets or receipts upon further request. \n\nI am an American citizen with a XXXX XXXX known as XXXX XXXX XXXX. \n\nIn fall of XXXX, in an unsolicited email manner, I was recruited to work for a XXXX pharmaceutical company on what was touted as a multi XXXX dollar annual contract supplying the company with product from a farm in XXXX and XXXX. \n\nA supposed staff member of this British pharmaceutical company reached out to via email offering to profit share on a much needed herbal extract produced by a Turkish farm that we could renew a supply relationship with for XXXX years. I had never met the staffer in real life https : XXXX * This Spoofed and data breached website was finally taken down by CEO/Owner, XXXX XXXX, in late XX/XX/XXXX, after I investigated via debt XXXX in the XXXX.... \n\nAs this began, I was urged to sign an XXXX by a staff member named XXXX XXXX, and from there our business relationship began. I eventually became an \" official '' supplier to the XXXX XXXX company, and wound up spending tens of thousands of dollars on barrels of product the XXXX XXXX \" Procurement '' and \" Finance Dept '' stated they would pay me for, but they later refused to due to my not having a XXXX XXXX XXXX XXXX XXXX license which was never mentioned initially. After my initiating contact with the Turkish farmer, as instructed, the Turkish farm owner referred me to his XXXX licensing broker, who, after I paid nearly {$80.00}, generated a license that proved to be fake, resulting in a current XXXX XXXX Police XXXX. I have never personally met the Turkish farm owner nor the XXXX broker in real life. http : XXXX Since the fall of XXXX to nearly the present, I have used my Chase Bank XXXX account, as instructed by XXXX XXXX XXXX XXXX make HUGE Chase Bank XXXX XXXX business fund transfers to numerous Chase Bank XXXX XXXX set up by the Turkish farmer and XXXX XXXX XXXX the United States XXXX XXXX herbal product barrels, licensing et al. XXXX XXXX and the Turkish farmer also purportedly shared expenses, but I now find their wire transfers to XXXX Bank in the XXXX and The XXXX Bank XXXX XXXX were all fake. \n\nAfter my spending {$200000.00} plus ( approx ) on samples and licensing without getting any commission, I now find that it is an elaborate scam by rogue employees or rogue company reps. I have preserved a full and complete XXXX XXXX of documentation, with the broached company CEO issuing me a signed contract, and his staff urging me throughout the months to incur further and further debt. \n\nThe XXXX Phamaceuticals XXXX, XXXX XXXX, has just very recently conveniently removed his long standing XXXX XXXX website from the internet, late XX/XX/XXXX, after all of my data has been breached, and claims he didn't know of the activities of his rogue staffers, but he surely has vicarious liability. He is also the CEO of another major XXXX XXXX company with holdings internationally and in the United States. \n\n* Because of the rogue activities of this XXXX XXXX XXXX website, which XXXX XXXX XXXX has left unattended and exposed to data breaches and rogue players for years, I have gone into massive debt, ruined my XXXX credit in my frantic attempt to finance this fraudulent scheme, and as a result, I am left having only pain and suffering, home mortgage loan debt and looming XXXX bankruptcy. \n\n\n\nTurkish farm owner... \n\nXXXX XXXX XXXX XXXX Herbs Farms XXXX www.ladangsherbsfarms.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NO XX/XX/XXXX XXXX, XXXX, XXXX. \n\n\nTurkish farm owner partner in XXXX... \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Principal XXXX So XXXX XXXX XXXX, XXXX XXXX Scam licensing agent... \nXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX From : XXXX To : mw_king Fri, XX/XX/XXXX at XXXX PM Re-send -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Greetings XXXX XXXX, Below are the Bank account details for wire. \n\nXXXX. For {$40000.00} from the XXXX, endeavour to make use of cash deposit for quick transaction and fast cofirmation. \n\nBANK NAME : CHASE BANK ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX BENEFICIARY ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX BANK ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX : XXXX PURPOSE : BUSINESS XXXX. For {$60000.00} from XXXX XXXX, in XXXX and {$100000.00} from your XXXX partner, use below HOLDING BANK : THE XXXX BANK XXXX XXXX XXXX BENEFICIARY NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BANK ADDRESS : XXXX XXXX, XXXX XXXX XXXX SORT CODE : XXXX Do send wire copies accordingly for confirmation. \n\nKind Regards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX \n\nKind regards, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. \n\n\nXXXX XXXX XXXX XXXX of Procurement and XXXX Department www.osgenpharma.uk Unit XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX : XXXX Fax : XXXX","date_sent_to_company":"2025-05-14T21:45:56.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"92026","tags":"Older American","has_narrative":true,"complaint_id":"13519313","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-05-14T21:07:54.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Once</em> financial institutions like Chase authorize a transaction that the victim. like me, believes to be an initial investment, the scammers purport to show increasing financial opportunity. \n\nPig butchering scammers assisted by financial institutions like Chase, that continue to assist the scammers through repeated suspicious transactions do not <em>stop</em> until they have deprived victims like me of any remaining savings."]},"sort":[4.3591275,"13519313"]},{"_index":"complaint-public-v1","_id":"3326402","_score":4.2646475,"_source":{"product":"Mortgage","complaint_what_happened":"InXX/XX/2019, I began the home-buying/home-searching process with Rocket Mortgage ( Quicken Loans ) as a first-time homebuyer. I provided every bit of information I was able to my loan officer from the very beginning in regards to my finances/income. I wanted to be completely transparent with any/all information so that I felt confident about the time/money I was investing in this process would eventually result in owning a home. I was pre-approved for an FHA loan for {$75000.00} which I tried to work with. I was told that FHA would be the best/only option based on my debt to income ratio ( mostly from student loan debt from my XXXX program ), but also because of the bankruptcy that was discharged almost 3 years ago. With the current housing market, it was nearly impossible to find a home for {$75000.00} that would pass the required FHA home inspection. In early-mid XXXX, I reached out to a different lender/loan officer who stated that she, XXXX ( XXXX ), would be able to pre-qualify me for more. She had been in the business for something like 25 years, so I felt really confident that she would be helpful and knowledgeable for me and my situation. She pulled my credit, worked the numbers, and told me I was pre-approved for $ XXXX, with an estimated mortgageamount. She said that she could go higher, but would probably need little more of a down payment. She quoted me mortgages for up to $ XXXX, which we stated to also be options if I found something for more. I didn't want to go up to $ XXXX because that mortgage payment was higher than I was comfortable with. I did feel more hopeful about finding a home I loved now that I had more flexibility in the my pre-approval. I found a home with a listing price of right under $ XXXX that I loved and wanted to make an offer on. I contacted my MLO again & was told she would send me a pre-approval letter to make an offer which she did & the offer was accepted! We worked closely together to get the loan to her underwriter and were scheduled to close on XX/XX/2019. On XX/XX/XXXX, XXXX called me with a little problem. The little problem was that she wasnt up to date on FHA guidelines regarding student loan payments, and that her underwriter had caught her mistake and wouldnt approve my loan from there because my debt to income ratio was too high. She stated that she had been counting my actual student loan payment amount on my IBR, but that FHA now requires counting of 1 % of the entire student loan or the amortized payment amount, whichever is greater. One month before closing & the rug was pulled out from underneath me. She told me that she re-worked the loan amounts all the way down to $ XXXX ( which didn't make sense ) and still couldnt get me approved based on my DTI. \n\nI then reached back out to XXXX to pick back up with the pre-approval amount he had previously offered. I told him about everything that had happened, including that we were a month from closing when her underwriter caught her mistake. He told me that he knew that would happen to me, as he had been in the business for several years and knew that with my DTI, I would have to pay some things off before I could be approved for that amount. I told him I wanted to pick back up with the pre-approval for $ XXXX or start over again if I had to, & that I needed to terminate my offer on the house to get my earnest money back. He told me to wait, that he wanted to talk to his finance manager and see what they could do for me. To my surprise, he came back with some options that would allow me to continue to closing on this home. My options were 1 ) a co-signer ( which I was adamant was not an option for me ) ; 2 ) pay off my current credit cards and refinance my car to get my payment at {$290.00} or less/month. I told him I would definitely be able to pay off my credit cards ( which I did, per our agreement ) & would see about refinancing my car ( which I ended up being able to do, but had to take a higher interest rate and pay the loan down by almost {$3000.00} ). On XX/XX/XXXX XXXX told me I would need to pay {$500.00} in earnest money to Rocket that would be used for the appraisal and any remaining amount would be applied to closing. He also told me that if I withdrew the loan before the appraisal was completed, I would be refunded the full amount. I made the payment by phone that same day, per XXXX requirement so that they could go ahead and schedule the appraisal, and it cleared from my checking account on XX/XX/2019. He  told me that he was going to go ahead and order the appraisal so that we could stay on track for the XX/XX/XXXX closing. My loan went through underwriting, and I was issued a conditional approval based on what we discussed & to provide them with some additional information/documents, all of which I provided to them as quickly as possible. My realtor and I decided that since the appraisal was going to be completed first, we would wait to make sure that the house appraised before ordering the other inspections needed to ensure that I wasnt paying for services all at once to ensure they passed. At this time, my application/file was passed on from XXXX to a new Rocket Mortgage associate, XXXX. From this point on, things become a nightmare We were now upon a holiday week ( XX/XX/XXXX ) so I was understanding of things slowing somewhat knowing that people vacation. Too much time started passing though, and it didnt feel like things were progressing with my loan. My realtor decided that to ask for an extension on the due diligence period to give Rocket more time to get things done. It was requested, granted, and the new due diligence period was now effective until XX/XX/2019 at XXXX EST and the new closing was XX/XX/2019 at XXXX EST. My realtor, also requesting updates from Rocket,  informed me that on XX/XX/XXXX, after speaking with XXXX at Rocket, she was told that the appraisal had not even been scheduled. I called on that same day to speak with XXXX to request that things move faster. I was told that the appraisal had not been scheduled because the appraiser hadnt called back, but that it was ordered on XXXX ( over a week after I was told it would be scheduled ) .I was assured we would still have the report back by XX/XX/XXXX. By this point I'm nervous. I requested, after days of getting Rocket team members saying that the appraisal company that was hired wasnt returning their calls or emails, they hire a different appraiser to complete the appraisal since we were running out of time, but was told that was not a possibility. I then asked that it be expedited. XXXX stated that he would look into it. After being reviewed, XXXX called and told me that the appraisal had actually been completed and he requested to get the report by XX/XX/XXXX. ( None of this was making sense. Dates and info provided to me were all over the place. ) That same evening, my realtor called me to follow up, that she talked to XXXX, who said the appraisal was scheduled for XX/XX/XXXX at XXXX, ( completely conflicting with the information he gave me earlier ). On XX/XX/XXXX, I called XXXX at XXXX XXXX to request that we receive the report by the end of the day ( since the latest update was that the appraisal had been done that morning at XXXX ) in attempt to be back on track. He was confused and stated that the appraisal had been done before XX/XX/XXXX, but again that hed look into it. At this point, I requested to speak with a supervisor and was put into contact with, XXXX. XXXX informed me that could not force the appraiser to get the report faster, and that there was nothing they could do. I acknowledged understanding that people are busy and can not just stop everything for me, but that I had been patient and understanding up to this point. I told him I was frustrated by the delay from his team in even ordering the appraisal to begin with. XXXX then informed me that they cant request an appraisal until after a case number was assigned because its an FHA loan so they had to see if any other appraisals had been done on the property that could be used ( which was new information to me and sounded like another excuse ). I informed him that I had requested a different appraiser, but was told that wasnt an option. I also had also asked what their back up plan was in situations like this, and was told there wasnt one. XXXX told me that he would personally stay on top of it. I didnt hear from him. I reached out and couldnt get ahold of XXXX and didnt have XXXX direct contact info. At this point, it felt like Rocket employees were making more of an effort to make excuses that to acknowledge that they dropped the ball or to pick the ball back up and move forward. I was getting no info unless I reached out, and even then that info was untrue/inaccurate. At this point, I paid {$500.00} for a service that I can not even get confirmation on has been rendered. I have also paid/been invoiced for many other services/inspections/fees that Ive had to complete in order to not hold the process up on my end. The goal for me was always to close on my home. By this point, I had spent countless hours trying to get info from Rocket regarding the status and jumping through hoops to get all the requested documentation to Rocket, ( even documents were requested multiple times as if they were not even being read/reviewed ). \nXX/XX/XXXX My call was never returned. I called again around XXXX. XXXX was unavailable, so I was routed to the next available team member. I expressed my frustration and said that I need the appraisal report that I was promised and then denied & told its going to take more time. He read the notes in my account and said, oh, it looks like its not due back until XX/XX/XXXX, so were fine. NO! That is incorrect! Most recently, before today, I was told it would be back today. Today came and now youre telling me the XXXX. He asked me if I had been in contact with my realtor. Yes, every step of the way. He then told me that Rocket has nothing to do with appraisals, that I would need to speak with my realtor about it. Again, incorrect info by Rocket. That is incorrect. I was told on XX/XX/XXXX that I HAD to pay Rocket {$500.00} so they could get the appraisal scheduled asap, which I did. Eventually my request to speak with XXXX was granted. He told me they still hadnt heard back from the appraisal company, and that hed give me a status update in the morning. He then asked how my name was to appear on the title/deed, if XXXX XXXX was correct. It was supposed to be XXXX XXXX XXXX as originally discussed, and that XXXX XXXX XXXX would also be on the deed, which was also discussed in the beginning. He said that he would make those changes to get that updated as well. ( Apparently, Rocket hadnt put the correct information on the deed ). \nXX/XX/XXXX XXXX did call me to update me. He told me : We still havent heard back and our entire team will be out of the office the rest of the day. ( Another day would be lost in this process ). I asked why its gotten to this point & why they dont have a back-up plan with they work with a 3rd party that keeps Rocket from servicing their customers in a timely manner. He said that if he had been on this issue before this week, he would have looked into having someone else do the appraisal. I told him that I had asked early on in the process for a different appraiser to be assigned because from the beginning I have been told that there has been little to no response from the appraiser. I told him I was told that hiring a different appraiser was not an option. He said he could try to assign another appraiser now, but it  would further delay the process. I told him paid for one appraisal that didn't happen and I couldn't pay for another. He offered me good news that he cleared up the confusion regarding the paperwork that I had submitted, and resubmitted, and resubmitted so that was all taken care of. He then asked me my relation to XXXX and I told him she was my fianc. He ended with telling me that hed provide an update before leaving the office for the team event that he would be at for the rest of the day. \nXX/XX/XXXX XXXX called back a few minutes after hanging up to say he would have to send the title request to add XXXX name to it and wait for it to come back, that it might take a little while. I asked for clarification, So were going to have to wait on this now too? Because it wasnt submitted correctly the first time? I told him that her name was to be on the deed, and that if it meant taking a little while then thats what we would do as to ensure that BOTH names were on the deed. \nXX/XX/XXXX That evening, XXXX and I made several attempts to get the contact information of the appraisal company, which nobody had access to. Everyone who apparently had access to that information was at a company baseball game for the entire afternoon. XXXX left XXXX a voicemail to loop him in on this situation since he was the first contact that started this process. \nXX/XX/XXXX XXXX called me back per the voicemail that XXXX left. He stated that he was confused about why nobody has any info for us, but he didnt have access to the contact information of the appraisal company either. He apologized and told me he was sending out an email to everyone involved at Rocket, as well as the director,  to get an answer today. I asked him to verify the dates that it was ordered for me. He stated that he sent the request to his team to order the appraisal on XXXX, but that my account notes that it was picked up by a company on XX/XX/XXXX. I asked him to clarify what that meant, and if that meant that it wasnt requested by Rocket to an appraiser until the XXXX. He could not give me that information. He asked me when the appraisal had been done, and I informed him that nobody can confirm it has actually been completed. After several different dates were given to me as to when I would have the report back, it was then stated to me that the appraisal was scheduled for Monday, XX/XX/XXXX @ XXXX. I told XXXX that Im not sure that that even took place, because if his team members had been reaching out as often and diligently as I was being told with no success in reaching someone at the appraisal company, then there was no way they would know that the appraisal was taking place on the XXXX at XXXX. I told him that I was confused as to where that would have come from if they havent been able to reach the appraisal company. XXXX mentioned that in certain instances, an expedited appraisal can be ordered. I stated that if that was an option, why wasnt it offered to me earlier? \nXX/XX/XXXX When I hung up with XXXX, I called XXXX. When I told him my name, he chuckled ( as if to mock me ). I didn't react but stated I needed the contact information of the appraisal company so that I could follow up with them myself given nobody at Rocket could manage to make that happen. He said that they dont know who the appraiser was, that they dont have access to contact the appraiser. I asked for clarification : Really? Then who have you been supposedly reaching out to for answers? He said they work with a 3rd party who schedules the appraisal. I  asked for their contact information to connect the dots myself, and he stated he didnt have that contact info for me either. He stated he would get that information for me & follow back up with me shortly. He said he'd call me in 10-15 minutes. That was at XXXX. At XXXX I still had not received a callback. If they have been reaching out to someone as frequently and I'm told, how can there be no contact info to access? \nXX/XX/XXXX XXXX I called XXXX back to get the contact info. He said he was still working on it. I asked why/how it was proving to be so hard to locate this info. He then said that he didnt contact them. I reminded him that he told me he had been making attempts to reach out, and asked him if that was a lie? He said that he had, but was trying to figure out the best contact person. Enough with the lies, I need ANY contact person from the appraisal management company that Rocket works with. He gave me XXXX XXXX and stated the company was XXXX. Her number is XXXX. \nXX/XX/XXXX XXXX I called XXXX XXXX and left a voicemail. Her voicemail provided the backup contact information for XXXX XXXX at XXXX. I called him and didnt reach him either, so I dialed 0 to speak with the next available Client Relations Team Specialist. I was connected to XXXX XXXX. She confirmed the appraisal was completed on XX/XX/XXXX. She stated it was ordered on XXXX and picked up on by an appraiser, XXXX, on XX/XX/XXXX. On XX/XX/XXXX, XXXX confirmed that he would complete the appraisal on XX/XX/XXXX. XXXX also informed me that because Rocket is a partner they have access to their system as well as to ALL of the same information that she was providing to me. She stated that the appraiser had not returned the report yet, but that they had requested to get it about an hour ago. All of the info I have been fighting for from Rocket during the past 2 weeks was provided in 1 phone call to XXXX. \nXX/XX/XXXX XXXX I called XXXX for an update after sending an email to XXXX and XXXX @ Rocket requesting an update. I spoke to XXXX XXXX, who informed me that there still was no report on file. She transferred me to Rocket ( Quicken ) and I spoke to a person named, XXXX. XXXX confirmed my info to access my account, gave me no information, and passed me along to a XXXX, who did not answer my phone call. I left a voicemail. \nXX/XX/XXXX XXXX XXXX XXXX called to say there was still no report. I asked what Im supposed to do now. He said, I assure you that were doing everything we can to get this report. I explained that I understand theyre doing everything TODAY, but that that should have been the case for the entire 3 weeks that Ive been waiting. He said he could try to get another appraiser that same day. I told him that that was not going to be a helpful solution when it still wasnt going to get me a report in enough time to negotiate if/what needed by the following day at XXXX when due diligence ended. *Note : On this phone call, XXXX explained to me that the notes in my record ( now ) stated that the completion date for the appraisal as of XXXX was scheduled for XX/XX/XXXX. On XX/XX/XXXX, that completion date was changed to XX/XX/XXXX. On XX/XX/XXXX, the completion date was changed to XX/XX/XXXX, and now the completion date is scheduled for the same day of XX/XX/XXXX. \nXX/XX/XXXX : XXXX XXXX XXXX ( XXXX ) XXXX called to tell me that I needed to pay off more debt to get my DTI under 50 % because of new information they received about a mortgage request that was denied. I told him that was incorrect, that that was NOT new information. He said, so our team knew that there had been another loan not go through? Yes, that was absolutely disclosed and discussed before ANY of this started. I told him that I had been informed that in order to qualify for the loan, I would need to pay off my credit card debts and refi my car to get my payment under $ XXXX/month, which I did almost a month ago. He said they would not be able to approve the loan unless I paid off my car or got a cosigner. I was shocked and speechless. I told him that I couldn't talk to him now & I would call him back. I was at work and panicking. I was now being told that I had wasted a month of time and resources to make this happen, only for Rocket to decide a week and 2 days before closing that they wont do the loan now. \nXX/XX/XXXX : I called XXXX to see what was going on. After some investigating, he concluded that XXXX at XXXX XXXX had not just denied me in underwriting with XXXX, but had also submitted the loan application to FHA as well, who then also denied me, but never shared any of that information with me? I was told that because FHA denied me, I would be unable to apply for another FHA loan for 180 days. I wasnt informed of this by XXXX, and Rocket failed check that I had not already been assigned an FHA case number ( which, from what I was learning, meant that they would have then known I had been denied by FHA and not just XXXX ). XXXX acknowledged that Rocket failed to do what should have been done ( as well as with letting the appraisal drag out for so long ), & that he would refund me the {$500.00} deposit I paid to have the appraisal done if, after speaking with XXXX XXXX first thing Friday morning, he concluded there was no other option to proceed. It never should have gotten to this point, and I never should have even paid that {$500.00}, the {$350.00} I paid for the inspection that Im now told I wont be recouping, the other fees assessed ( which I am providing invoices for as I receive them ), or the {$1000.00} I had tied up in earnest money. \nXX/XX/XXXX : XXXX called at XXXX to confirm that the only options to proceed would be to pay my debts down another 6 % in addition to the other debts Ive already paid off per our agreement ( about $ 10k ) at the end of XXXX ( or add a cosigner, which I stated from the beginning was not an option ). Now Im out a ton of money, have wasted an unfathomable amount of time, and it was all for nothing. I can't believe that this could happen. I feel there has been no truth in lending from Rocket Mortgage. I wanted clarification but got answers that went in circles when I asked questions. I started researching what my options were and what FHA guidelines were. \nXX/XX/XXXX : After researching FHA guidelines as recommended by another lender that I know, it came to my attention that Rocket had once again provided false/inaccurate information, particularly regarding FHA guidelines. It was now my understanding that FHA case numbers are assigned to properties, not borrowers, and that the case number can be transferred from one lender to another at the new lenders request. It was also now my understanding that the FHA case number, once assigned, sticks with the property, not the borrower, and should the borrower not close, the FHA case number would then be assigned to a new FHA borrower ( if someone tried to purchase the home with an FHA loan ) within a required time period or else the case number would expire. I emailed XXXX XXXX ( the Solutions Consultant who called me on Thursday to inform me that they were no longer financing my loan ) for clarification. \nXXXX called me instead of responding to my email because it was easier. He stated that I had an FHA case number assigned to me as well as one assigned to the property, and that because I was denied by the previous lender, they had to review my case. Upon reviewing, they determined I now had to have a lower debt-to-income ratio or a cosigner and a credit score over 620 ( which I have ). I asked, so to clarify, thats Rockets policy and not FHA guidelines? He said that he would give me the number to the client relations team if I had additional questions. I didnt want to be punted to another department, since he was the one who had given this information to me originally. I stated that I was told that was provided the FHA guidelines from him last week, and that he informed me that this was why I would not be eligible for 180 days. He stated that just because I qualified for FHA did not mean that they HAD to finance me, which I did not contest. I informed him that my argument was that because it was presented as FHA guidelines, it was not presented to me that I had any other options ( i.e. contacting a different lender ), and I had to terminate my offer before due diligence ended the following day as not to lose my earnest money. He still never responded to my question asking why I was told I would have to wait 180 days to apply for another FHA loan. As I was asking for clarifications between FHA guidelines and Rocket policies, XXXX interrupted me and was talking over me telling me that he could not speak to FHA guidelines, only Rockets, and that if I needed questions answered about that that I could contact Client Relations for assistance. I stated that if he was providing me the information that I was denied per FHA and that if they were lending on FHA insured loans that he SHOULD have accurate FHA guideline information for customers, and that I was frustrated that I had been provided incorrect information yet again. I told him that I didnt need to speak with client relations, that I was tired of being punted from team to team with different information each time, that it was very apparent that I wasnt given accurate information again, and that I was going to escalate this case and thanked him for his time. \nXX/XX/XXXX : I sent 2 emails to XXXX asking him for clarification as to what non-self employed income not supported meant, and stated that I reached out to him since the letter was signed with his name. He told me that he didnt know what XXXX told me on the phone about the denial and couldnt tell me what the non-self employed income not supported meant either. He said that it was a generic letter that they send out. He said that he reached out to XXXX to call me but that XXXX was out of the office until XX/XX/XXXX. I told him that XXXX had not been able to answer my questions regarding FHA guidelines previously but only tried to punt me to client relations, and therefore having him call me would probably result in the same outcome. He told me that to his knowledge, the FHA case number was assigned to me AND the property. I informed him that it was my understanding that it was assigned to the property and that the FHA case number transfers with the property, not the person. He stated that he was unsure of the FHA policy, but again would have XXXX call me. I explained my frustration with the information that was given to me being inaccurate, and that the denial that XXXX originally mentioned was because the other lender didnt approve my loan they had to review my loan, which at that time decided that in order to proceed with my loan, Rocket would require me to pay my debt down to under 50 % and have a credit score of at least 620 ( I believe was the number he gave me ) which my credit score was well above. Rockets documentation dated XX/XX/XXXX from XXXX  XXXX XXXX XXXX states that my credit score was a XXXX, well above the required minimum credit score for FHA. After doing everything I was required to do to meet the FHA debt to income ratio of being under 56 %, which I was told my Rocket would clear me for a final approval, Rocket decided after a month into the process that I now had to meet completely different requirements, and then was telling me that it was FHA denying me. The previous lender denied me because she didnt have accurate information on FHA guidelines which were caught by her underwriter. Rocket was made completely aware of this from the beginning, instructed me on how much debt would need to be paid off to be under FHAs 56 % and that I would be good to go. Rocket went against all of what I had been told, despite doing exactly as I was required to do, blamed it on FHA policy, and yet stated with their sudden and new requirements that if I had a cosigner or paid down the additional 6 % of my debt, that I could continue with the FHA loan. It makes no sense, the stories arent cohesive from one contact at Rocket to the next, and when I ask questions, nobody can seem to provide that information, and punts me to someone on the client relations team. If a letter is sent on someones behalf ( in this case XXXX ), and even if it is, in fact, a generic letter, that person named on the letter should absolutely be able to accurately explain the contents of that letter. Additionally, if the denial reason is what they say it is, then there should be no need for interpretation from another person ( XXXX, who couldnt answer my questions previously either ), who wont even be in the office for another 3 days, to the next person working on the same loan application. I had emailed XXXX as to not engage in another discussion at work regarding all of this personal information, but again I receive a phone call in response to an email, that needed a simple response to a simple question for clarification, which Rocket team members could not provide. During this same conversation with XXXX, the denial reason also shifted from Rocket stating that I had been denied by another lender who reported the denial to FHA, to I was denied the loan by FHA. I again asked for clarification, and reminded XXXX that he and I had discussed that XXXX  underwriter had denied to loan when I spoke with him from the beginning. I clarified that he was now telling me that FHA denied me, which was not the information I had been given by XXXX, that he was now blaming me for withholding information about. I had not heard anything about being denied by anyone except FHA until Rocket all of a sudden telling me that it was denied by FHA ( and also telling me that it was only denied by XXXX but it was then reported to FHA ). \nI have so many concerns and issues with how this has played out and how I have been treated and misinformed ( and dare I say, blatantly lied to ) by Rocket Mortgage. Im completely at a loss and Im truly unsure of who to contact to resolve this. I have kept thorough documentation throughout and will supply any documentation needed.","date_sent_to_company":"2019-08-01T20:13:03.000Z","issue":"Closing on a mortgage","sub_product":"FHA mortgage","zip_code":"28630","tags":null,"has_narrative":true,"complaint_id":"3326402","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2019-08-01T20:05:02.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I asked what Im <em>supposed</em> to do now. He said, I assure you that <em>were</em> doing everything we can to get this report. I explained that I understand theyre doing everything TODAY, but that that should have been the case for the entire 3 weeks that Ive been waiting. He said he could try to get another appraiser that same day."]},"sort":[4.2646475,"3326402"]},{"_index":"complaint-public-v1","_id":"6681290","_score":3.1163676,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX CFPB TOP PDF XX/XX/XXXX I, XXXX XXXX. The Consumer submitted a complaint asking all credit agencies to stop violating My privacy by posting alleged debt on their private sites. ( e.g. EARLY WARNING SERVICE LLC.is a private company owned by XXXX XXXX XXXX XXXX, ETC. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.are not Bureau 's and are only agencies of the BUREAU. When I stated the account in question in last complaint I meant \" EVERY SINGLE ACCOUNT '' DEBT PAYMENT HISTORY ETC '' that XXXX XXXX XXXX continues to post I will hold the CFO personally liable as notice to agent is notice to principle. the individual who's privacy is being violated pursuant to the EQUAL CREDIT OPPORTUNITY ACT THE FEDERAL RESERVE ACT, THE PRIVACY ACT, every transaction relies upon the \" FULL FAITH & CREDIT '' of the united states. Im invoking Consumer protection laws for : Delete, Block and Remove Listed XXXX XXXX XXXX Charge off / Closed Account Balance - {$87.00} Balance updated XXXX XXXX, XXXX Credit limit - {$500.00} Account info - Account number - XXXX Open/closed - Closed Date opened - XX/XX/XXXX XXXX XXXX Code XXXX XXXX Definitions and application The Federal Government took away our lawful money ( silver & gold ) in XXXX but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. That the use of a ( federal reserve ) Note is only a promise to pay. That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189. I can't provide exact dates because I have been trying to get this matter settled with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n( XXXX XXXX XXXX XXXX, EARLY WARNING SERVICE LLC AND XXXX XXXX for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. \nI am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of 1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been almost 6+ years and this firm is still continuing to report false information on the report. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) Imay presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages. I am comprehending that the credit reporting agencies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.And XXXX, XXXXMUST delete ALL accounts that I have reported as fraudulent regarding identity theft within FOUR ( 4 ) days of my report, and NONE OF THEM HAVE DONE SO, violating the laws that are placed to protect consumers.15 U.S. Code 1681c2 - Block of information resulting from identity theft. : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to \" report '' my PRIVATE information for the public corporations to see. \nBecause of this fact. I am concerned about the validity and accuracy of of the accounts that are reporting on my credit report. I am requesting a investigation because I feel the items are not being reported legally. I received a copy of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.credit reports containing the following inaccurate and incomplete items : Delete 1- XXXX XXXX XXXX Charge off / Closed Account : - Account number - XXXX. Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1 ) There were fraudulent charges made on this account Additional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609 Delete 2XXXX XXXX XXXXXXXX XXXX Account number XXXX. Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1 ) There were fraudulent charges made on this account Addtional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609I disputed every negative items on my credit report several times, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any organization who uses my name without my consent, and committing fraud.According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Again according to Hjr 192 the US Congress passed the Emergency Banking Act. It was also announced by the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress. \n\nThe two provisions that empower XXXX to consider any business or agency as a financial institution the 1st is if it engages in any activity that is similar to, related to, or a substitute for any activity in which any business described above is authorized to engage. 31 CFR Section 5312 ( a ) ( 2 ) ( Y ). The second authorizes XXXX to designate any other business as a financial institution if that business has cash transactions that have a high degree of usefulness in criminal, tax, or regulatory matters. See 31 CFR Section 5312 ( a ) ( 2 ) ( Z ).\n\nAs is evident from the list above, the regulations and reporting requirements implemented pursuant to the BSA apply broadly to the financial activities of many businesses and not just banks. As such, the financial activities of a very broad cross-section of the economy can come under the scrutiny of the federal government. Every customer at a car dealership, travel agency, casino, insurance company, or bank is at risk of having a SAR be secretly filed about their financial activities. Given the existence of such scrutiny, all financial institutions and their customers should be cognizant of XXXX and XXXX regulations. Compliance with all regulations is critical to protecting oneself and ones business. Moreover, making finance arrangements that lessen risk, such as avoiding the use of unlicensed money transmitters, is another way to avoid unwarranted investigatory attention. \n\n\n\nXXXX XXXX CFPB TOP PDF XXXX CFPB BOTTOM XX/XX/XXXX Charged off accounts that are fraudulent transactions The OFFICE OF COMPTROLLER OF THE CURRENCY ( OCC ) And FEDERAL TRADE COMMISSION Were Contacted And Reports Were Generated For the Following Accounts Associated Which The Stated Banks/ Financial institutions. \nXXXX XXXX XXXX Charge off / Closed Account -Account number - XXXX XXXX XXXX XXXX - Account number XXXX In Addition There are a bunch Inquiries that need to be removed. I DID NOT AUTHORIZE All Inquiries listed on my consumer report to be removed 1XXXX main! \n2. XXXX XXXX  The doctrine of privity contract ( s ) is a common law principle which provides that a contract can not confer rights or impose obligations upon any person who is not a party to the contract. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. Res Judicata : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON XXXX XXXX XXXX XXXX CONTRACT, FOR DETERMINATION 'UNCONSCIONABLE CONTRACT ' AND AGREEMENT FOR COMMERCIAL DISCHARGE, I am in receipt of and conditionally accept for value ( honor ) \" Demand For Payment Of Debt '' It has come to my attention that as applied to the above matter, that there may not have been a true qualified 'meeting of the minds, ' that there may be fraud or misrepresentation on the contract and/or the contract itself may be an unconscionable contract, or other controversies that may exist within this contract/transaction.\n\nAs I want to resolve this matter as soon as possible, I am initiating this private-administrative remedy to determine such matters and I do not agree to make payment ( s ) predicated upon your claim. This Equality of Opportunity is to let the lawful record of 15 USC 1992 ( a ) Abusive practices ( b ) Inadequacy of laws ( c ) Available non-abusive collection methods ( d ) Interstate commerce ( e ) Purposes, required by FEDERAL LAW. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. FDIC Law, Regulations, Related Acts. https : //www.fdic.gov/regulations/laws/rules/8000-1250.html USC 1306 . The FTC 's Bureau of Consumer Protection Act ( s ). This Equality of Opportunity is to let the lawful record of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), reflect that you are required by federal and state law to verify through the physical verification of the original signature of consumers contract any and all accounts you post on any of my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. PROOF OF SIGNATURES AND STATUS AS HOLDER IN DUE COURSE. I demand to see Verifiable Proof of my original Consumer Contract with my Signature on the instrument you have on file of the accounts listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below. See Attached Instrument ( s ) Proof Of Claim Proof Of Delivery Rescind Debt, Discharge Debt In Accordance To HJR 192 Act of 1933. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz. The Business of Banking. The business of banking, as defined by law and custom, consists in the issue of notes intended to circulate as money..And defines a Bankers Note as : A commercial instrument resembling a bank note in every particular except that it is given by a private banker or unincorporated banking institution. A Person is a Financial Institution ; Unincorporated Banking Institution ; and Financial Agency pursuant to 31 U.S.C. 5312 and a U.C.C. - ARTICLE 3 - NEGOTIABLE INSTRUMENTS.. Acceptance Promissory Note under ( U.C.C. 2-304 ) that states, The price can be made payable in money or otherwise. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz Of pure gold or silver as per Articles VIII and X of the Constitution For the United States of America. or lender promissory notes requiring legal money that is not true money such as : bank checks, cash, check, money orders, attorney checks, bank transfers, wire transfers, FEDERAL RESERVE PROMISSORY NOTE DOLLARS, cashier checks, and certified checks from a bank, attorney, or escrow company are illegal pursuant to Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258 ( ). Contracts requiring legal money such as cash, check, money orders, bank transfers, wire transfers, and Federal Reserve Notes ( DOLLARS ) are illegal and unlawful by Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258. All debts today are discharged by promises to pay in the future. All Federal Reserve Notes, DOLLARS, are registered securities and promise to pay in the future. FRNs are secured by the utility of alive men 's energy or labor. When quoting U.C.C. statutes, the courts require them to be quoted with State or Federal statute designation. U.C.C. codes are United Nations statutes, but are codified in every local jurisdiction. \nIn accordance with XXXX XXXX. XXXX and XXXX XXXX XXXX, such Note instruments are national bank currency and thereby coin or currency of the United States by statutory definition and can be issued by who are banking members of the XXXX and are THE EQUIVALENT OF MONEY as per XXXX XXXX XXXX ( L ) and must be accepted by all banks and financial institutions as payoff, set off, discharge, and full settlement of all debts and loans. Failure to remove this debt will result in legal action HJR XXXX ACT OF XXXX PUBLIC LAW XXXX XXXX U.S.C. XXXX - XXXX XXXX - XXXX XXXX XXXX. XXXX and XXXX XXXX. Payment of obligations and interest on the public debt.. Payment of obligations and interest on the public debt ( a ) The faith of the United States Government XXXX pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The XXXX of the Treasury shall pay interest due or accrued on the public debt. As the XXXX considers expedient, the XXXX XXXX pay in advance interest on the public debt by a period of not more than XXXX year, with or without a rebate of interest on the coupons. ( c ) ( XXXX ) The XXXX XXXX issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The XXXX XXXX dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section XXXX ( b ) ( d ) of this title. \n( XXXX ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that XXXX be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of XXXX XXXX value on the date of issue of the bonds, notes, or certificates as published by the Secretary under SECTION XXXX OF THIS TITLE. ( XXXX ) The XXXX XXXX designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency XXXX be deposited. CITE AS : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX requirements- XXXX ). ( F ) In order to prevent evasions of the reserve requirements imposed by this subsection, after consultation with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the Comptroller of the Currency, and the XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX Federal Reserve XXXX is authorized to determine, by regulation or order, that an account or deposit is a transaction account if such account or deposit XXXX be used to provide funds directly or indirectly for the purpose of making payments or transfers to third person. ( XXXX XXXX XXXX XXXX ) This erroneous entrys is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. Please respond accordingly, A PERSON is a Financial Institution ; Unincorporated Banking Institution ; and Financial Agency pursuant to 31 U.S.C. 5312 and a Acceptance Promissory Note under ( U.C.C. 2-304 ) tha FTC ATTACHED.\n\nThe Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking... The Federal Trade Commission 's Credit Practices Rule states that it is... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission 's Credit Practices Rule states that it is... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ... According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Also according to Hjr 192 IN 1933! the US Congress passed the Emergency Banking Act. It was also announced to the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. \nThis made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress. \nIn XXXX Tendered payments WERE ISSUED TO XXXX XXXX XXXX with proof of service and signatures required signed by all creditors. The law states that if the payment is not accepted then XXXX XXXX has five days to return that payment to me with lawful reason for denying it. XXXX XXXX XXXX has failed to do so. In fact it has been [ 96 ] days and the Tender of Payment has yet to be mentioned by XXXX XXXX XXXX XXXX. If the payment is not returned then it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. \nIt is left to be implied due to the amount of time given to XXXX XXXX XXXX XXXX. which is well passed the five day time to respond. Attached are the FDCPA laws. ALSO, The new law states \" Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. Therefore all are hereby notified that i XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. i have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. Rather it has been over [ 96 ] days and nothing has posted as paid tendered or discharged and this disables me by way of doing business employment and living free. \nXXXX XXXX XXXX XXXX. has notified the Credit Reporting Agency. that i am late to a debt that was paid in full as of i have the CFPB COMPLAINT ID NUMBERS attached which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. If XXXX XXXX XXXX XXXX, has decided to deny the payment then the debt obligation is DISCHARGED! So again! I am writing you about inaccuracies that are being inequitably furnished by XXXX on my Consumer Report. These inaccuracies damaged my right to extend credit. I am being discriminated against by a long list of apartment complexes solely due to harmful information on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and am informing you that I NEVER gave consent to this report being furnished by you on my behalf. I am aware of the fact that your organization ASSUMED a vital role. Because of this, my livelihood has been adversely affected. There is no law that states anything needs to be reported to a consumer reporting agency. Therefore, XXXX is liable under 15 USC 1681n. 15 USC 1681 ( a ) ( 4 ), clearly states that consumer reporting agencies MUST exercise their grave responsibilities with fairness, impartiality, and RESPECT for THE CONSUMERS RIGHT TO PRIVACY. Your organization neither exercised its responsibilities with fairness and impartiality NOR protected MY right to PRIVACY. Please show me the law where it states a credit reporting agency may report non public personal information on a consumer without consent. I called and spoke to your representatives several times to remedy this. Ive lost countless hours since XXXX to this. Ive lost sleep, nutrition, a portion of my moving money, and am STILL suffering from mental anguish and anxiety every day as a result of this. Ive been XXXX assaulted by an XXXX driver. Something that wouldve never happened if it werent for you people. \nAvailable homes I am qualified for are being rented by others as my reputation continues to be affected by these inaccuracies and without my consent. I have a deadline to move by XX/XX/XXXX and My safe livelihood is at stake and I am at risk of homelessness because of YOU not PROTECTING MY RIGHT TO PRIVACY and furnishing non-public personal information WITHOUT MY CONSENT. You should be ashamed for operating in a way that puts consumers lives at risk, blatantly committing fraud, and aggressively violating consumer rights to privacy. I am requesting proof that XXXX investigated any negative items you furnished to my consumer report. This grave step affects my reputation. Pursuant to 15 USC 1681a ( e ) an investigative consumer report would mean you conducted interviews with family and friends. You must not rely on information from a creditor. In the FCRA, 15 USC 1681a ( e ) clearly states that an investigative consumer report is ; obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include factual information on a consumers credit record OBTAINED DIRECTLY FROM A CREDITOR of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Further, pursuant to 15USC 6802 ( b ) I was supposed to be given a disclosure to opt out of my non public personal information being reported by a non affiliated third party. I was not given this disclosure. Further, pursuant to 15 USC 1681b credit reporting is voluntary.\n\nI did NOT consent neither did I provide written notice to you to report account status. Pursuant to 15 USC 1666b timing of payments, a creditor MAY NOT treat a payment on a credit card under an open ended credit plan as late for ANY PURPOSE. Pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand you to do the following today ; Block and Delete the following XXXX XXXX XXXX Charge off / Closed Account -Account number - XXXX XXXX XXXX XXXX  - Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nI the living man have demanded these accounts be VALIDATED ( not a verification ) WITH ORIGINAL CONTRACTS or DOCUMENTS WITH MY ( WET SEAL SIGNATURE ) on them on a CERTIFIED COPY OF the TRUE BILL ( not a statement ) or REMOVE ACCOUNTS IF THEY CAN'T BE VALIDATED. SEND ME PROOF BY EMAIL to XXXX and by CERTIFIED MAIL to XXXX XXXX XXXX XXXX, XXXX Georgia XXXX WITH TRACKING NUMBER I Demand that of the listed accounts update. The Trading with the ememy acct. By 28 U.S Code & 3002 / UCC 1 308, HJR 192 1933 and US Constitution Article 1 Section 10... I the living man demand that FRAUDULENT ACCT. ( XXXX ) XXXX XXXX XXXX Charge off / Closed Account - Account number - XXXX FRAUDULENT ACCOUNT ( 2 ) XXXX XXXX XXXX - Account number XXXX All Inquiries are Disputed as FRAUDULENT and need to be VALIDATED XXXX XXXX  Inquiry date XX/XX/XXXX. / Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX / Removal date XX/XX/XXXX I the living man wants all accounts to be VALIDATED that I the living man was giving money when it No money as the country is Bankrupt and in Bankruptcy it has, been no money snice all the GOLD & SILVER was taken and the BANKRUPT XXXX XXXX XXXX is pushing worthless paper as money when its no money so how is the living man supposed to pay with money when its no money only FIAT CURRENCY when I the living man is the Grantor and Beneficiary of the ESTATE for the ALL CAPS NAME called XXXX XXXX XXXX i'm not the ALL CAPS NAME e.g I'm the only legally Authorized Representative that can sign for the ALL CAPS NAME these accounts claim all accounts all been VALIDATED, WITH CERTIFIED COPY OF THE TRUE BILL & ORIGINAL CONTRACT DOCUMENTS THAT HAVE MY WET SEAL SIGNATURE ON THEM I DEMAND ALL OF THIS PROOF TO BE SENT TO Either of THE LIVING MAN addresses listed. \n\nI DEMAND TO SEE THIS PROOF ASAP and I need this to be stated on the record for equity court as I the living man will file suit and make an special appearance in court to have these accounts to be VALIDATED, Certified Copy of TRUE BILL and the Original Contract & Documents that ho","date_sent_to_company":"2023-03-11T16:08:11.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"30016","tags":null,"has_narrative":true,"complaint_id":"6681290","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2023-03-11T16:07:50.000Z","state":"GA","company_public_response":null,"sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["They <em>were</em> to present the item ( remittance coupon ) to the United States Treasury <em>Department</em> or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full."]},"sort":[3.1163676,"6681290"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":26,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":26}]}},"product":{"doc_count":26,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":12,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FHA mortgage","doc_count":7},{"key":"Conventional home mortgage","doc_count":2},{"key":"Home equity loan or line of credit (HELOC)","doc_count":1},{"key":"Reverse mortgage","doc_count":1},{"key":"VA mortgage","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or 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