{"took":170,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":53,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3034136","_score":20.870691,"_source":{"product":"Mortgage","complaint_what_happened":"My property at XXXX XXXX XXXX, XXXX, CA XXXX is serviced by Ditech Financial. XXXX XXXX  XXXX, my originator, sold this loan while I was in a confirmed plan with XXXX XXXX Bankruptcy Court, a clear violation. They sold my loan without identifying that the property was included in a Chapter XXXX Reorganization - with a Debtor in Possession status. \n\nI have received a Demand for {$68000.00} for erroneous accrued mortgage payments from Ditech. \n\nI have received a threatening letter from Ditech 's attorney entitled \" Notice of Appearance and Request to Receive Notices '' which is attached, enjoining the US Trustee, XXXX, CA and my Bankruptcy attorney of record. Then I received a letter entitled \" Notice of Sale of Ownership of Mortgage Loan by XXXX XXXX XXXX XXXX, also attached. \n\nMy letter response to Ditech 's attorney 's is a Cease & Desist and addresses the payments made and confirmation status and to stop this harmful and illegal collection, a clear violation of the Confirmed Plan and federal bankruptcy laws. \n\nUpon further examination, these correspondence look like scams, and as a victim of illegal foreclosure, I am both, compelled to respond but also I am skeptical of the validity of these threats, backed up by Internet content that says specifically XXXX is a total scam. \n\nI am filing this complaint to put XXXX XXXX on notice, to Cease & Desist this illegal collection and violation of my confirmed plan, to get their attorney under control and to provide me compliant accurate loan accounting. Furthermore, this complaint seeks to expose the action by XXXX XXXX XXXX XXXX and demands I receive my official mortgage agreement that identifies the legal mortgage holder, terms of the loan, and appropriate adjustments on the loan as a result of the Chapter XXXX confirmed plan terms. \n\nThis all looks like a set-up for illegal foreclosure.","date_sent_to_company":"2018-10-01T04:19:26.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"94526","tags":null,"has_narrative":true,"complaint_id":"3034136","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ditech Financial LLC","date_received":"2018-10-01T03:06:28.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Upon further examination, these correspondence look like scams, and as a victim of <em>illegal</em> foreclosure, I am <em>both</em>, compelled to respond but also I am skeptical of the validity of these threats, backed up by Internet content that says specifically <em>XXXX</em> is a <em>total</em> scam. \n\nI am filing this complaint to put <em>XXXX</em> <em>XXXX</em> on notice, to Cease & Desist this <em>illegal</em> <em>collection</em> and violation of my confirmed plan, to get their attorney under control and to provide me compliant accurate loan accounting."]},"sort":[20.870691,"3034136"]},{"_index":"complaint-public-v1","_id":"4149875","_score":19.206469,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted my Chapter XXXX Discharge paperwork NUMEROUS TIMES!!! Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had and the judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n\n2 years later, they decide to pass it off AFTER BANKRUPTCY to a XXXX  for \" collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! \n\nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a law suit against them and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to my credit. I have had ENOUGH! \n\nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \n\nPLEASE!!! LOOK at the attachments! THE DISCHARGE PAPER FROM THE COURT is CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-02-18T23:44:11.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4149875","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-02-18T23:44:08.000Z","state":"AK","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":["<em>XXXX</em> was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER <em>XXXX</em> <em>BANKRUPTCY</em>. \n\n2 years later, they decide to pass it off AFTER <em>BANKRUPTCY</em> to a <em>XXXX</em>  for \" <em>collection</em> '', <em>which</em> is <em>totally</em> <em>ILLEGAL</em>! Now, <em>both</em> <em>XXXX</em> AND <em>XXXX</em>  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE!"]},"sort":[19.206469,"4149875"]},{"_index":"complaint-public-v1","_id":"4149946","_score":19.204958,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted my Chapter XXXX Discharge paperwork NUMEROUS TIMES!!! Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had and the judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n\n2 years later, they decide to pass it off AFTER BANKRUPTCY to a XXXX  for \" collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! \n\nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a law suit against them and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to my credit. I have had ENOUGH! \n\nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \n\nPLEASE!!! LOOK at the attachments! THE DISCHARGE PAPER FROM THE COURT is CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-02-18T23:49:40.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4149946","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-02-18T23:44:55.000Z","state":"AK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>XXXX</em> was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER <em>XXXX</em> <em>BANKRUPTCY</em>. \n\n2 years later, they decide to pass it off AFTER <em>BANKRUPTCY</em> to a <em>XXXX</em>  for \" <em>collection</em> '', <em>which</em> is <em>totally</em> <em>ILLEGAL</em>! Now, <em>both</em> <em>XXXX</em> AND <em>XXXX</em>  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE!"]},"sort":[19.204958,"4149946"]},{"_index":"complaint-public-v1","_id":"4149876","_score":19.181044,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted my Chapter XXXX Discharge paperwork NUMEROUS TIMES!!! Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my XXXX, my retirement, everything I had and the judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n\n2 years later, they decide to pass it off AFTER BANKRUPTCY to a PHEAA for \" collection '', which is totally ILLEGAL! Now, both PHEAA AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! \n\nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a law suit against them and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to my credit. I have had ENOUGH! \n\nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \nPLEASE!!! LOOK at the attachments! THE DISCHARGE PAPER FROM THE COURT is CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-02-18T23:44:11.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4149876","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2021-02-18T23:44:08.000Z","state":"AK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>XXXX</em> was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER <em>XXXX</em> <em>BANKRUPTCY</em>. \n\n2 years later, they decide to pass it off AFTER <em>BANKRUPTCY</em> to a PHEAA for \" <em>collection</em> '', <em>which</em> is <em>totally</em> <em>ILLEGAL</em>! Now, <em>both</em> PHEAA AND <em>XXXX</em>  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE!"]},"sort":[19.181044,"4149876"]},{"_index":"complaint-public-v1","_id":"4149866","_score":19.155298,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted my Chapter XXXX Discharge paperwork NUMEROUS TIMES!!! Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had and the judge declared by case to be a hardship case and ruled that even the student loan to NAVIENT was discharged. NAVIENT was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n\n2 years later, they decide to pass it off AFTER BANKRUPTCY to a XXXX for \" collection '', which is totally ILLEGAL! Now, both XXXX AND NAVIENT are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! \n\nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a law suit against them and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to my credit. I have had ENOUGH! \n\nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \n\nPLEASE!!! LOOK at the attachments! THE DISCHARGE PAPER FROM THE COURT is CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-02-18T23:44:04.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4149866","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2021-02-18T23:21:57.000Z","state":"AK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["NAVIENT was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER <em>XXXX</em> <em>BANKRUPTCY</em>. \n\n2 years later, they decide to pass it off AFTER <em>BANKRUPTCY</em> to a <em>XXXX</em> for \" <em>collection</em> '', <em>which</em> is <em>totally</em> <em>ILLEGAL</em>! Now, <em>both</em> <em>XXXX</em> AND NAVIENT are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE!"]},"sort":[19.155298,"4149866"]},{"_index":"complaint-public-v1","_id":"4154086","_score":17.462437,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Submitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! \nDue to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a XXXX  for \" collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \nLOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! \n\nTHE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-02-21T05:53:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4154086","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-02-21T00:48:38.000Z","state":"AK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Under my chapter <em>XXXX</em>, I lost my business, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to <em>XXXX</em> was discharged. <em>XXXX</em> was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER <em>XXXX</em> <em>BANKRUPTCY</em>. \n2 years later, they decide to pass it off AFTER DISCHARGED <em>BANKRUPTCY</em> to a <em>XXXX</em>  for \" <em>collection</em> '', <em>which</em> is <em>totally</em> <em>ILLEGAL</em>!"]},"sort":[17.462437,"4154086"]},{"_index":"complaint-public-v1","_id":"3548415","_score":17.18553,"_source":{"product":"Debt collection","complaint_what_happened":"I made various attempts to reach Hoyt & Landau recently who have made false attempts to collect a debt that is not owed any longer, due to the company filing bankruptcy and do not owe the amount they have claimed and file in court and issued a default judgement after I obtained a lawyer through XXXX whom they refused to respond to. Also, the Lawyer accepted Service and signed for the Entry of Appearance on my behalf. However, they did not file an Answer in time regarding the debt not owed and I was recently notified by the law firm on XX/XX/XXXX that  they slipped and did not file the Answer in time. On another note, the Collection Agency purchased the account for pennies on the dollar from XXXX XXXX and I confirm with them today that they do not have record of an account ending in XXXX for XXXX because this XXXX filed Bankruptcy and XXXX XXXX, in turn, collected on the account as well when the Trustee settled the debts on behalf of XXXX. So both firms are illegally still trying to collect inflated interests and late fees, although I do not owe the debt they are claiming and filed in court as {$3300.00}. \n\nI also reached out to engage another lawyer on my behalf from XXXX and Hoyt and Landau has chosen to ignore attempts to communicate on my behalf because they are illegally trying collect on an inflated account balance that I do not owe. Also, the lawyer Mr. XXXX, sent the affidavit per the request of the front desk receptionist and he has still not made contact with them, since this morning, although they claimed they would be available to speak about the claimed account they have from XXXX XXXX. Mr. XXXX attempted to reach them multiple times today to discuss the erroneous claimed amount but received no response or follow-ups which is also totally unacceptable. \n\nI also made several attempts to reach out to XXXX XXXX when my daughter was XXXX for over 34 Days in XXXX with a XXXX medical condition and was denied any form of Hardship Program or Credit Insurance relief although I reached on many instances in XX/XX/XXXX regarding this matter and also sent them a formal letter in XX/XX/XXXX describing the extenuating medical and financial circumstances we were experiencing during that time and still seeking work as well. Our daughter is XXXX and XXXX XXXX and Hoyt & Landau are both discriminatory towards XXXX XXXX-Americans and U.S. Military Veterans who have served their Country. \n\nThere is no empathy expressed and only bullish, uncanny behavior and greed rules within their company and should be investigated by SEC and FTC regarding their illegal business practices regarding extremely inflated interests rates, and late fees.","date_sent_to_company":"2020-02-28T21:47:39.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"30022","tags":"Servicemember","has_narrative":true,"complaint_id":"3548415","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Hayt Hayt & Landau, P.L. (FL)","date_received":"2020-02-28T21:13:41.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["On another note, the <em>Collection</em> Agency purchased the account for pennies on the dollar from <em>XXXX</em> <em>XXXX</em> and I confirm with them today that they do not have record of an account ending in <em>XXXX</em> for <em>XXXX</em> because this <em>XXXX</em> filed <em>Bankruptcy</em> and <em>XXXX</em> <em>XXXX</em>, in turn, collected on the account as well when the Trustee settled the debts on behalf of <em>XXXX</em>."],"product":["Debt <em>collection</em>"]},"sort":[17.18553,"3548415"]},{"_index":"complaint-public-v1","_id":"3574752","_score":17.139277,"_source":{"product":"Mortgage","complaint_what_happened":"My loan was transferred to shellpoint a debt collection mortgage company. They recieved it from XXXX. XXXX, illegally foreclose on us. They never owned 100 percent of our loan. They recieved it from XXXX. Under court order XXXX was supposed to make all accounts correct after cfpb ruling XX/XX/XXXX. Instead of following court orders XXXX continued the illegal and abusive debt collection practices. Notice my complaint from XX/XX/XXXX, calling my dad released my information to him forced him to make payment on my account, used illegal debt collection practices even stating they was coming to repo my home. I requested my title. Did it again to my grandmother in XX/XX/XXXX both times blew it off. Again after I filed a cfpb complaint. No settlement was offered. XXXX, gets our loan we get a foreclosure process in XX/XX/XXXX they refused also to fix the issues and follow court orders. We had to file bankruptcy in XX/XX/XXXX. XXXX, pulls our home from the bankruptcy court. Because if, the judge had opened a investigation they would have found our mortgage was unsecured. Due to how many times between XXXX and XXXX had sold our loan to different companies. XXXX, never sent me how to pay them. Well XXXX then files bankruptcy in XX/XX/XXXX. XXXX files a emergency hearing in XX/XX/XXXX.Using XXXX XXXX  XXXX XXXX as attorney/debt collector. We finally get information in how to pay them and a court order to pay them directly using a certain account number. We follow the order starting XX/XX/XXXX we was ordered to pay attorney fees, get our own insurance, and pay them directly. XXXX, never entered it into their system. XX/XX/XXXX we get a illegal eviction notice. I filed another cfpb complaint. XXXX, violated my automatic stay, refused to follow court orders numerous times, filed an ap hearing, violating truth in lending, false court documents, illegal foreclosure, personal injury, willful malicious injury and fraud. Lost my pay raise, my wife put on watch at work, had a wreck totaled my car on XXXX XXXX forced to borrow a car to get to and from work till this day, my son who is autistic wrote a suicide note and forced to move schools, almost divorced my wife, my daughter forced to change schools. We finally get an ap attorney. XXXX, refused to settle again. Cfpb, refused to do their job an protect consumers as well. XXXX files bankruptcy again right before my hearing in XXXX or XXXX. Sends my a request to change my account information. I call to find out how. XXXX, let me hear my account information and they took my XXXX XXXX payment which was for my XX/XX/XXXX payment put it towards forced placed insurance. Filed another cfpb complaint nothing done again. Since, this happened after they filed bankruptcy. They send me a 410 claim. I requested my title, and XXXX XXXX dollars. For fraud and willful malicious injury. Which trumps their bankruptcy. Ap hearing went on until XXXX of XXXX and in court I told judge XXXX XXXX in front of their attorney XXXX XXXX that I refuse to continue to pay them until they settle due to all the court order violations and the refusal to settle. Now my loan has been transferred to shellpoint and they are using a 3rd party vendor to contact people about their loans. I have called them since XXXX XXXX when I recieved my letter stating they were getting my loan. Told them my loan was illegal, fraud, willful malicious injury, had a 410 claim attached, and my title must be sent to me immediately. XXXX XXXX was supposed to settle with me before XX/XX/XXXX. She has not made a effort as of currently to fix this mess. I told shellpoint to call me back ever since XX/XX/XXXX they have refused. As you know once they sent it to a 3rd party for information as they did today. That violated my stay again since they accepted the illegal transfer and made the liable for my request in my 410 claim. In more than one occasion they have said a person will contact me within 48. Last week it was 5 days I called back let them know no one contacted me. They still haven't and now use a 3rd party to contact me requesting my mailing address and phone information. I told them contact my bankruptcy attorney XXXX XXXX and tell shellpoint to sent me my title by XX/XX/XXXX along with my 410 claim paid in full by then also. I am tired of the cfpb and these clowns getting away with breaking the law.","date_sent_to_company":"2020-03-20T23:48:01.000Z","issue":"Trouble during payment process","sub_product":"Other type of mortgage","zip_code":"350XX","tags":null,"has_narrative":true,"complaint_id":"3574752","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2020-03-20T22:59:57.000Z","state":"AL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["My loan was transferred to shellpoint a debt <em>collection</em> mortgage company. They recieved it from <em>XXXX</em>. <em>XXXX</em>, <em>illegally</em> foreclose on us. They never owned 100 percent of our loan. They recieved it from <em>XXXX</em>. Under court order <em>XXXX</em> was supposed to make all accounts correct after cfpb ruling XX/XX/<em>XXXX</em>. Instead of following court orders <em>XXXX</em> continued the <em>illegal</em> and abusive debt <em>collection</em> practices."]},"sort":[17.139277,"3574752"]},{"_index":"complaint-public-v1","_id":"10137282","_score":17.048815,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand immediate action regarding your improper handling of my account, specifically related to the vehicle loan tied to XXXX XXXX and account number ending in XXXX. As evidenced by the enclosed IRS Form 1099-C, dated XX/XX/XXXX, my debt in the amount of {$38000.00} was legally discharged on that date. Despite this discharge, XXXX XXXX has continued to collect payments from me and has also reported this account as charged off and delinquent on my credit report since XX/XX/XXXX. \n\nViolations : Failure to Recognize XXXX XXXX : Under federal law, once a debt is discharged, creditors are prohibited from taking any further action to collect the debt. XXXX XXXX continued collection efforts, following the discharge documented in the 1099-C, violate the Fair Debt Collection Practices Act ( FDCPA ) and U.S. Bankruptcy Code ( 11 U.S. Code 524 ), which both protect consumers from creditor collection attempts on discharged debts. \n\nRepossession and Sale of the Vehicle : XXXX XXXX repossessed the vehicle despite the discharge of the loan. You then sold the vehicle and retained all proceeds from the sale, which is an additional violation of my rights. Since the loan was legally discharged, any collection activityincluding repossessionwas illegal. I am entitled to recover the total amount of payments made after the discharge, as well as the proceeds from the sale of the vehicle. \n\nFalse Credit Reporting : Despite the debt cancellation, XXXX XXXX has continued to report the account as \" charged off '' and delinquent, causing significant damage to my credit report. This is in clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that creditors furnish accurate information to credit reporting agencies. XXXX XXXX continued false reporting has caused significant harm to my financial reputation, including denied credit applications, increased interest rates, and emotional distress for over three years.","date_sent_to_company":"2024-09-16T19:58:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19146","tags":"Servicemember","has_narrative":true,"complaint_id":"10137282","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-16T19:58:47.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> continued <em>collection</em> efforts, following the discharge documented in the 1099-C, violate the Fair Debt <em>Collection</em> Practices Act ( FDCPA ) and U.S. <em>Bankruptcy</em> Code ( 11 U.S. Code 524 ), <em>which</em> <em>both</em> protect consumers from creditor <em>collection</em> attempts on discharged debts. \n\nRepossession and Sale of the Vehicle : <em>XXXX</em> <em>XXXX</em> repossessed the vehicle despite the discharge of the loan."]},"sort":[17.048815,"10137282"]},{"_index":"complaint-public-v1","_id":"10137085","_score":17.040092,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand immediate action regarding your improper handling of my account, specifically related to the vehicle loan tied to XXXX XXXX  and account number ending in XXXX. As evidenced by the enclosed IRS Form 1099-C, dated XX/XX/XXXX, my debt in the amount of {$38000.00} was legally discharged on that date. Despite this discharge, XXXX XXXX has continued to collect payments from me and has also reported this account as charged off and delinquent on my credit report since XX/XX/XXXX. \n\nViolations : Failure to Recognize Debt Discharge : Under federal law, once a debt is discharged, creditors are prohibited from taking any further action to collect the debt. XXXX XXXX continued collection efforts, following the discharge documented in the 1099-C, violate the Fair Debt Collection Practices Act ( FDCPA ) and U.S. Bankruptcy Code ( 11 U.S. Code 524 ), which both protect consumers from creditor collection attempts on discharged debts. \n\nRepossession and Sale of the Vehicle : XXXX XXXX repossessed the vehicle despite the discharge of the loan. You then sold the vehicle and retained all proceeds from the sale, which is an additional violation of my rights. Since the loan was legally discharged, any collection activityincluding repossessionwas illegal. I am entitled to recover the total amount of payments made after the discharge, as well as the proceeds from the sale of the vehicle. \n\nFalse Credit Reporting : Despite the debt cancellation, XXXX XXXX has continued to report the account as \" charged off '' and delinquent, causing significant damage to my credit report. This is in clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that creditors furnish accurate information to credit reporting agencies. XXXX XXXX continued false reporting has caused significant harm to my financial reputation, including denied credit applications, increased interest rates, and emotional distress for over three years.","date_sent_to_company":"2024-09-16T19:58:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19146","tags":"Servicemember","has_narrative":true,"complaint_id":"10137085","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-16T19:18:04.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> continued <em>collection</em> efforts, following the discharge documented in the 1099-C, violate the Fair Debt <em>Collection</em> Practices Act ( FDCPA ) and U.S. <em>Bankruptcy</em> Code ( 11 U.S. Code 524 ), <em>which</em> <em>both</em> protect consumers from creditor <em>collection</em> attempts on discharged debts. \n\nRepossession and Sale of the Vehicle : <em>XXXX</em> <em>XXXX</em> repossessed the vehicle despite the discharge of the loan."]},"sort":[17.040092,"10137085"]},{"_index":"complaint-public-v1","_id":"10137281","_score":17.028522,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally demand immediate action regarding your improper handling of my account, specifically related to the vehicle loan tied to XXXX XXXX and account number ending in XXXX. As evidenced by the enclosed IRS Form 1099-C, dated XX/XX/XXXX, my debt in the amount of {$38000.00} was legally discharged on that date. Despite this discharge, XXXX XXXX has continued to collect payments from me and has also reported this account as charged off and delinquent on my credit report since XX/XX/XXXX. \n\nViolations : Failure to Recognize Debt Discharge : Under federal law, once a debt is discharged, creditors are prohibited from taking any further action to collect the debt. XXXX XXXX continued collection efforts, following the discharge documented in the 1099-C, violate the Fair Debt Collection Practices Act ( FDCPA ) and U.S. Bankruptcy Code ( 11 U.S. Code 524 ), which both protect consumers from creditor collection attempts on discharged debts. \n\nRepossession and Sale of the Vehicle : XXXX XXXX repossessed the vehicle despite the discharge of the loan. You then sold the vehicle and retained all proceeds from the sale, which is an additional violation of my rights. Since the loan was legally discharged, any collection activityincluding repossessionwas illegal. I am entitled to recover the total amount of payments made after the discharge, as well as the proceeds from the sale of the vehicle. \n\nFalse Credit Reporting : Despite the debt cancellation, XXXX XXXX has continued to report the account as \" charged off '' and delinquent, causing significant damage to my credit report. This is in clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that creditors furnish accurate information to credit reporting agencies. XXXX XXXX continued false reporting has caused significant harm to my financial reputation, including denied credit applications, increased interest rates, and emotional distress for over three years.","date_sent_to_company":"2024-09-16T19:58:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19146","tags":"Servicemember","has_narrative":true,"complaint_id":"10137281","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-16T19:58:47.000Z","state":"PA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> continued <em>collection</em> efforts, following the discharge documented in the 1099-C, violate the Fair Debt <em>Collection</em> Practices Act ( FDCPA ) and U.S. <em>Bankruptcy</em> Code ( 11 U.S. Code 524 ), <em>which</em> <em>both</em> protect consumers from creditor <em>collection</em> attempts on discharged debts. \n\nRepossession and Sale of the Vehicle : <em>XXXX</em> <em>XXXX</em> repossessed the vehicle despite the discharge of the loan."]},"sort":[17.028522,"10137281"]},{"_index":"complaint-public-v1","_id":"4169191","_score":16.912111,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Once again, I submitted my complaint, and once again, XXXX less than 2 days sent a message saying they were \" investigating '' and then sent an email saying it was \" updated '', but did NOTHING! It is like NO ONE is actually LOOKING or READING any of the attachments, including the discharge from the BANKRUPTCY COURT showing ALL Student loans, including XXXX were discharged. It was discharged due to hardship because of an injury. \n\nNot ONLY did XXXX turn around and SELL OFF the discharged debt for someone ele to try and collect on AFTER discharge, which is illegal, PHEAA is now claiming I owe {$20000.00} addtional in fees. ( HA HA HA HA HA HA HA ). AS IF! In 3 years it went from {$21000.00} to {$43000.00}? That's AMAZING! \n\nAs previously stated. I will submit all my paperwork EVERY DAY until THIS IS PROPERLY taken care of as it is FRAUD and WRONG! it goes against EVERYTHING CFPB is set up to do and so much for protection to me under Federal law!!!!!! These companies are getting away with breaking FEDERAL BANKRUPTCY LAWS and NO ONE seems to give a XXXX! I am XXXX and XXXX and this is incredibly frustrating to have to explain the obvious and NO ONE READS!!!! \n\nSubmitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! \nDue to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX I lost my XXXX, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX  BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a PHEAA for \" collection '', which is totally ILLEGAL! Now, both PHEAA AND XXXX are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX  and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \n\nLOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! \n\nTHE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-02-26T21:29:22.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4169191","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2021-02-26T20:24:54.000Z","state":"AK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Under my chapter <em>XXXX</em> I lost my <em>XXXX</em>, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to <em>XXXX</em> was discharged. <em>XXXX</em> was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER <em>XXXX</em>  <em>BANKRUPTCY</em>. \n2 years later, they decide to pass it off AFTER DISCHARGED <em>BANKRUPTCY</em> to a PHEAA for \" <em>collection</em> '', <em>which</em> is <em>totally</em> <em>ILLEGAL</em>!"]},"sort":[16.912111,"4169191"]},{"_index":"complaint-public-v1","_id":"4175119","_score":16.910025,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Once again, I submitted my complaint, and once again, less than 2 days sent a message saying they were \" investigating '' and then sent an email saying it was \" updated '', but did NOTHING! It is like NO ONE is actually LOOKING or READING any of the attachments, including the discharge from the BANKRUPTCY COURT showing ALL Student loans, including XXXX  were discharged. It was discharged due to hardship because of an injury. \nNot ONLY did XXXX turn around and SELL OFF the discharged debt for someone else to try and collect on AFTER discharge, which is illegal, XXXX is now claiming I owe {$20000.00} additional in fees. In 3 years it went from {$21000.00} to {$43000.00}? That's AMAZING! \nAs previously stated. I will submit all my paperwork EVERY DAY until THIS IS PROPERLY taken care of as it is FRAUD and WRONG! it goes against EVERYTHING CFPB is set up to do and so much for protection to me under Federal law!!!!!! These companies are getting away with breaking FEDERAL BANKRUPTCY LAWS and NO ONE seems to give a XXXX! I am injured and disabled and this is incredibly frustrating to have to explain the obvious and NO ONE READS!!!! \nSubmitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! \nDue to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a XXXX  for \" collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \nLOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! \n\nTHE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-03-01T21:18:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4175119","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-03-01T21:14:54.000Z","state":"AK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Under my chapter <em>XXXX</em>, I lost my business, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to <em>XXXX</em> was discharged. <em>XXXX</em> was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER <em>XXXX</em> <em>BANKRUPTCY</em>. \n2 years later, they decide to pass it off AFTER DISCHARGED <em>BANKRUPTCY</em> to a <em>XXXX</em>  for \" <em>collection</em> '', <em>which</em> is <em>totally</em> <em>ILLEGAL</em>!"]},"sort":[16.910025,"4175119"]},{"_index":"complaint-public-v1","_id":"4174899","_score":16.905739,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Once again, I submitted my complaint, and once again, less than 2 days sent a message saying they were \" investigating '' and then sent an email saying it was \" updated '', but did NOTHING! It is like NO ONE is actually LOOKING or READING any of the attachments, including the discharge from the BANKRUPTCY COURT showing ALL Student loans, including XXXX were discharged. It was discharged due to hardship because of an injury. \nNot ONLY did XXXX turn around and SELL OFF the discharged debt for someone else to try and collect on AFTER discharge, which is illegal, XXXX is now claiming I owe {$20000.00} additional in fees. In 3 years it went from {$21000.00} to {$43000.00}? That's AMAZING! \nAs previously stated. I will submit all my paperwork EVERY DAY until THIS IS PROPERLY taken care of as it is FRAUD and WRONG! it goes against EVERYTHING CFPB is set up to do and so much for protection to me under Federal law!!!!!! These companies are getting away with breaking FEDERAL BANKRUPTCY LAWS and NO ONE seems to give a XXXX! I am injured and XXXX and this is incredibly frustrating to have to explain the obvious and NO ONE READS!!!! \nSubmitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! \nDue to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a PHEAA for \" collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \nLOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! \n\nTHE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-03-01T21:14:24.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4174899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-03-01T20:15:02.000Z","state":"AK","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":["Under my chapter <em>XXXX</em>, I lost my business, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to <em>XXXX</em> was discharged. <em>XXXX</em> was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER <em>XXXX</em> <em>BANKRUPTCY</em>. \n2 years later, they decide to pass it off AFTER DISCHARGED <em>BANKRUPTCY</em> to a PHEAA for \" <em>collection</em> '', <em>which</em> is <em>totally</em> <em>ILLEGAL</em>!"]},"sort":[16.905739,"4174899"]},{"_index":"complaint-public-v1","_id":"1297939","_score":16.33569,"_source":{"product":"Credit card","complaint_what_happened":"Received Capital One charge card offer XXXX. Applied, was accepted ( {$500.00} limit ), activated card and used for XXXX presents. Charge card # XXXX. Right after activating card ... Capital One sent me another card with same {$500.00} limit ... never activated ... never used that card. First bill from above card # came due XXXX and minimum payment due was {$15.00}. I sent in {$20.00} via USPMO and sent in before due date. With the XXXX non-activated, non used credit card ... ..they also sent me bill for some yearly fees when never even activated the card. So called them up ... ... .told them did not want the card and sent back to them. Well ... .get my next bill from the card # above ( XXXX ) ... .they did not credit me for the {$20.00} payment and charged me outrageous over the limit fees, late fees, etc ... and now {$70.00} payment due. So, I called up, their rep stated they accidentally applied my {$20.00} payment to wrong account number and would be corrected. So, I sent in a {$70.00} payment via USPMO along with note to make sure account corrected and both payments applied to correct account number ( minimum due and wanted to keep that card and also repair my credit from bankruptcy in XXXX or XXXX. ) So ... XXXX bill came in the mail ... .and once again ... ..they did not apply my payment of {$70.00}, nor the previous payment of {$20.00} ... .which they stated they would correct. They charged me more outrageous over the limit fees, late fees, etc, along with some stupid note about \" spreading yourself too thin. '' I thought wow ... .this is total bs ... ..so I called numerous times, wrote numerous times ... with no success of them correcting my account, when they acknowledged their mistake ( s ) ... ... then they wanted {$120.00} for minimum payment ... .I thought this is totally illegal. Sent my payments in on time and sent in more than minimum to even begin with. Kept calling and writing, with no resolution like they stated. I totally quit paying at that point ... Did not know what else to do at that time. Sometime around end of XXXX started getting threatening phone calls from some collection agency ... ... I mean really threatening. Like about every other day. Well, I ended up extremely ill, in and out of hospitals around that time, doctors, more hospitals, XXXX, XXXX, XXXX ... ..etc ... ..ended up in XXXX and XXXX entire summer, due to XXXX, XXXX ( XXXX at time ) XXXX ... XXXX, XXXX, and more ( Have all the records. ) Anyway ... come XXXX or XXXX, XXXX, XXXX, XXXX put a freeze on my bank account. ( currently XXXX XXXX ... Never knew took me to court & did an illegal Judgement. Called Capital One ... they new NOTHING ... Called XXXX etc..asked for verification XXXX XXXX ), etc..of my account, payments, court order, etc. Did receive back some info of my account. It clearly shows that they put my more than minimum payments onto a totally different account ... ..I now have the proof, of their illegal practices regarding Capital One and XXXX, XXXX and XXXX. I also have my stubs from my payments sent to them via USPMO for further proof. Now, just recently I have been calls at my home from unknown number stating to call XXXX stating something to the effect of ( my name ) and \" property at ( my home ) address '' being sent from the clerks office. My Mother, who is owner of this home, has also been getting such calls and days in row ... regarding me and the \" property at ( my home address. ) and clerk of court. Now she is the owner of this home which we rent ... and her property has nothing to do with my Capital One account which they totally illegally screwed me on..along with XXXX, XXXX XXXX XXXX illegal collection practices. So, I did look on website, and the Attorney for XXXX, XXXX, XXXX did do a Judgement renewal previous to us getting these harassing, threatening, illegal calls. Need help here.","date_sent_to_company":"2015-03-30T15:25:17.000Z","issue":"Other","sub_product":null,"zip_code":"440XX","tags":null,"has_narrative":true,"complaint_id":"1297939","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2015-03-24T15:26:03.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Now she is the owner of this home <em>which</em> we rent ... and her property has nothing to do with my Capital One account <em>which</em> they <em>totally</em> <em>illegally</em> screwed me on..along with <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>illegal</em> <em>collection</em> practices. So, I did look on website, and the Attorney for <em>XXXX</em>, <em>XXXX</em>, <em>XXXX</em> did do a Judgement renewal previous to us getting these harassing, threatening, <em>illegal</em> calls. Need help here."]},"sort":[16.33569,"1297939"]},{"_index":"complaint-public-v1","_id":"3329373","_score":13.268267,"_source":{"product":"Student loan","complaint_what_happened":"*********THERE IS A PACKET OF PROOF I HAVE COMPILED TO BE FOLLOWED WHEN READING THIS COMPLAINT BUT CAN NOT ADD HERE AS IT IS TOO LARGE I WOULD BE WILLING TO MAIL IT TO YOU AS I NEED HELP DESPERATELY BECAUSE NAVIENT IS RUINING MY LIFE AND I KNOW BY READING BLOGS I AM NOT ALONE! ********** Description of Complaint PLEASE HELP!!! NAVIENT HAS RUINED MY LIFE AND CONTINUES TO RUIN MY LIFE!!!! \nI am filing this complaint against my current student loan servicer, Navient Solutions, LLC and against my former student loan servicer, Sallie Mae Corporation. I am disputing the total current loan balance claimed by Navient and I believe that both Sallie Mae AND Navient have been negligent in properly handling my student loan accounts. II can prove that both Navient and Sallie Mae have acted in a fraudulent manner by losing my student loan accounts between lenders and/or offices, altered loan amounts, created multiple new accounts which I did not borrow and removed consolidations is was in, keeping me in a constant state of financial ruin, bankruptcy, and years of forbearance 's for their financial gain. Have you ever seen a XXXX XXXX with a XXXX XXXX XXXX in XXXX owe NOW {$390000.00} in student loan debt? \nI have spent many months and countless hours of researching my financial records, FSA database, studentaid.ed.gov database, personal bankruptcy records ( including each bankruptcys Consumer Liability Reports from my previous bankruptcy filings provided to me at time of each filing by my bankruptcy attorney ), and prior years emails to various financial entities directly involved with my student loan accounts. I have compiled a very detailed packet for you to follow that will illustrate my complaint and verify amounts I borrowed, the balances I carried, and the point at which Sallie Mae and Navient completely destroyed me financially by listing inaccurate and crushing amounts of student loan debt, kept my loans in a state of forbearance, consolidations disappeared, and forced down my credit scores by inaccurate credit reporting. I say this so that you will understand the impact this has had on myself and my family, as I was forced into high interest rates for lending such as high interest rates for auto loans and credit cards, and basically any borrowing I attempted. Being a single parent of XXXX on one income and have owed to me over 100k in XXXX XXXX  ( verifiable through Illinois Division of XXXX XXXX  Enforcement ) it was very important that I always tried to obtain the best interest rates for borrowing possible, but this never happened because of the inaccuracies being reported by Sallie Mae and Navient, even resulting in denial for home mortgage. I have been unable to buy a home of my own for my girls. It wasnt until the last bankruptcy filing that I began to figure out what was being down to me and my attorney urged me to dispute the amount of student loan debt. \nPlease refer to Packet A which I obtained from the Federal Student Aid website, and have provided a copy of each loan I borrowed throughout my entire XXXX education, obtained from the following website : https : //XXXX.XXXX.XXXX/XXXX/XXXX-XXXX-XXXX/XXXX-detail Loan # 1 was a {$4000.00} Perkins Loan to XXXX University which I established on XXXX for my XXXX studies. This loan was cancelled, and I attached a copy of the cancellation to its copy. \nLoans # 2 through 21 were also taken during my XXXX studies, loan # 2 occurring on XX/XX/XXXX loan # 21 being the last and occurring on XX/XX/XXXX to XXXX University. At this point, I had borrowed a total of approximately {$45000.00} in federal loans plus approx. 10k in private loans. I consolidated all the above referenced loans and the consolidation was established on XX/XX/XXXX. You will see Loan # 22 which I provide a copy of this consolidation : FFEL Consolidated Established on XX/XX/XXXX Total Borrowed : {$66000.00} Servicer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX, IL XXXX To further confirm this balance, please refer to Packet B which are copies of my personal bankruptcy records. Please see Bankruptcy # 1 Chapter XXXX Case # XXXX and refer to Page # 2 which is the Schedule F for this bankruptcy. On page 2, you will see two ( 2 ) private school loans listed with XXXX University in the amounts of {$1000.00} and {$8500.00}. Please note : the private loans with XXXX University  were NOT yet part of the consolidation total listed above and is added later which I will demonstrate. Please now refer to Page # 3 of this Schedule F which lists my loan consolidation : National Education Servicing with Amount of Claim : {$65000.00} My loans were then sold/transferred to the following loan servicer : Direct Loan Servicing Center XXXX XXXX XXXX XXXX, TX XXXX Please refer back to Packet A and see Loan # 23 and Loan # 24 Direct Loan Servicing Center split my consolidation as follows : Loan # 23 : Direct Consolidated Subsidized established on XX/XX/XXXX Total Borrowed : {$28000.00} Loan # 24 : Direct Consolidated Unsubsidized established on XX/XX/XXXX Total Borrowed : {$41.00}, 152 These 2 consolidations together total : {$69000.00} Total student loan debt up to this point ( XX/XX/XXXX ). \n\nI re-entered school in XXXX to pursue a XXXX degree which I completed in XXXX. During this time, I applied for and told I was granted an in-school deferment. Please refer to Packet A for loans I did borrow for continuing my education these include loans # 25-32 which total {$80000.00}. \n\nRecap of Student Loan Debt Accumulated Thus Far : Student Loan Debt to XX/XX/XXXX : {$69000.00} ( see above ) PLUS New Student Loan Debt accumulated from XXXX : {$80000.00} Total Student Loan Debt to XXXX : ~XXXX+accumulated interest **Please note during the year of XXXX, part of my student loan debt was sold/transferred to XXXX XXXX The next piece of evidence to prove my student loan debt up to XXXX, please refer to Packet B and refer to Bankruptcy # 2 filed XX/XX/XXXX, Case # XXXX. Go to page # 6 entitled Statistical Summary of Certain Liabilities and Related Data ( which is a credit report attorneys can pull ) and see that my attorney listed Student Loan Obligations : {$160000.00}. It is here that you will see my student loan accounts are with TWO different servicers : Please see page # 8, Schedule F and you will see listed : XXXX XXXX XXXX Department of Education XXXX. XXXX XXXX XXXX, TX XXXX Total Claim : {$97000.00} Please see page # 10, Schedule F and you will see listed : Sallie Mae XXXX. XXXX XXXX XXXX, PA XXXX Amount of Claim : {$57000.00} Please also see page # 9, Schedule F for my private loan with XXXX University ( still separate from running totals above ) : XXXX   University XXXX. XXXX XXXX XXXX XXXX, NC XXXX Amount of Claim : {$13000.00} To further confirm my debt to this point, refer to Packet B and find enclosed Consumer Liability Report dated XX/XX/XXXX ( report # XXXX provided to me for this same bankruptcy ( case # XXXX ) - see Page # 2 to view the following student loans included on the report which total {$160000.00} : U.S. Department of Education : Sallie Mae : {$68000.00} {$13000.00} {$18000.00} {$13000.00} XXXX {$8500.00} And see Page # 3 : Sallie Mae {$8500.00} {$8900.00} {$5600.00} Total student Loan debt verifiable by above reports to date XX/XX/XXXX : XXXX {$160000.00} and we now begin to see the breakdown/deterioration of my original consolidations. \nAt this point, I was in above noted bankruptcy which was a chapter XXXX which I made my student loan servicers aware of as I was still unable to make student loan payments at this time. I was placed into a bankruptcy forbearance which I now know accumulates insane amounts of interest. I was not offered an Economic Hardship Deferment Request now was I offered the chance to apply for forgiveness due to my extreme financial hardships even after making several attempts at phone calls explaining my situation. \n\nNear the end of XXXX of XXXX, I wanted to pursue a XXXX XXXX program in hopes of boosting my earning potential, however, XXXX University would not release my transcripts due to the outstanding private loan mentioned earlier. XXXX referred me to the collection agency that was handling this loan : XXXX XXXX XXXX, XXXX. \nXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX Ph # XXXX Please refer to Packet C and see Email # 1 to XXXX representative XXXX XXXX. This email communication took place between XX/XX/XXXX through XX/XX/XXXX. Mr. XXXX was assisting me in gathering all of my student loans together as he was working on consolidating all of my loans to include the XXXX University private loan, so that the end result would allow XXXX to release my academic transcripts so that I could apply for the XXXX XXXX program. Please see pages XX/XX/XXXX - XX/XX/XXXX of this email dated XX/XX/XXXX in which I informed Mr. XXXX I called Sallie Mae for my loan information and was told they could not locate some of the student loans and I was waiting for a callback. I found that my Sallie Mae account was with an entity called : XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX in the amount of {$63000.00}. I informed him in this email to add XXXX XXXX  and I really am unsure if it was added or not at this point as we also had phone conversations not detailed in this email. According to this email as well, my loans were also serviced by XXXX XXXX XXXX as well as Sallie MaeXXXX XXXX If you see page 3/10 of this email, I requested the following loans be placed into that consolidation and here is a copy and paste directly from that email ( you have the hard copy as well ) From : XXXX XXXX [ XXXX : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX Subject : Re : XXXX  Hi XXXX, Here are the student loans I wish to include : 1 ) XXXX XXXX XXXX XXXX Department of Education XXXX. XXXX   XXXX XXXX, NY XXXX Phone # XXXX Balance : {$89000.00} 2 ) XXXX XXXX ( Will be back with Sallie Mae very soon ) XXXX XXXX  XXXX XXXX, PA XXXX Phone # XXXX Balance : {$63000.00} Account # XXXX XXXX ) XXXX University XXXX XXXX XXXX XXXX, IL XXXX Phone # XXXX Balance : {$21000.00} Yes, I would love to get started again on the paperwork asap. Just let me know what to do from here! Thanks for all of your help! \nXXXX XXXX XXXX I am unsure now looking back exactly what was added in that consolidation and things became extremely confusing for me at this point as to where my loans were being serviced with so many different amounts and servicers were being reported. I became overwhelmed. \n\nIn Packet C, please see Email # 2 dated XX/XX/XXXX XX/XX/XXXX from Mr. XXXX informing me the consolidation entered the statement phase on XX/XX/XXXX and that it would fund by the end of the month. \n\nDuring this time, Sallie Mae is now reporting to the credit bureaus multiple amounts and accounts, further dragging down my credit scoring. It was clear above that my loans were all over the place and amounts seemed to be just thrown out there. What happened to my original consolidation at this point? Why am I forced into forbearance after forbearance? \n**And please keep in mind that at the time of this email, I had not borrowed any additional student loans and the last verifiable amount noted above was XX/XX/XXXX : XXXX {$160000.00}. \n\nXX/XX/XXXX : I DID re-enter school for the XXXX XXXXr program at University XXXX XXXX XXXX, requested in-school deferment. \nPlease refer back to Packet A, see loan # s 41-43 I borrowed 3 loans totaling : {$11000.00}. I had to stop school due to a family situation and ended XX/XX/XXXX. My student loan debt was ~ {$180000.00} at that point. \n\nNow I am led into yet another bankruptcy. Please refer to Packet B and see Bankruptcy # 3 Chapter XXXX Case # XXXX which was discharged XX/XX/XXXX. Please see Page # 3 Schedule F which lists the following : Sallie Mae Inc for XXXX XXXX Attn : Bankruptcy Litigation Unit XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX Amount of Claim : {$35000.00} XXXX  University XXXX. XXXX  XXXX XXXX XXXX, NC XXXX Amount of Claim : {$13000.00} And please see Page # 4 Schedule F which lists : U.S. Department of Education Direct Loan Svg XXXX. XXXX XXXX XXXX, TX XXXX Amount Claimed : {$97000.00} Here is something interesting : Please see Packet B and find the Consumer Liability Report ( report # XXXX ) dated XX/XX/XXXX provided to me Bankruptcy # 3 above. We have the following accounts listed as active, open student loan accounts for this report : Page 2 : Dept of Ed/Sallie Mae Amount : {$65000.00} Page 4 : U.S. Dept Ed Amount : {$41000.00} Amount : {$27000.00} Amount : {$21000.00} Page 5 : U.S. Dept of Ed Amount : {$10000.00} Page 6 : U.S. Department of Education Amount : {$8500.00} Page 7 : U.S. Department of Education Amount : {$69000.00} These total : {$240000.00}!!!! How in the world did I go from owing ~180K to {$240000.00}??? And where are all these amounts coming from? What happened to my consolidation??? In-school deferment?? What is going on?? \n\nPlease notice that in this explanation, Packet A loan numbers 33-40 have not yet been mentioned. This is where these come in. Please see Packet A, loan # s 33-40. These are all loans created by Navient ( named themselves \" school '' and PAID TO Navient during the time frame of XX/XX/XXXX XX/XX/XXXX! These loans TOTAL : {$250000.00}! I have the printouts to prove it right off the web XXXX XXXX XXXX   I am unsure why these loans were created, what happened to my consolidations, or where these amounts came from. All I know is that these amounts are being reported to the credit bureaus and my credit took yet another major hit because of this, leading me into the next bankruptcy. Please see Packet B and refer to Bankruptcy # 4 XXXX XXXX Case # : XXXX filed on XX/XX/XXXX. Please see the Consumer Liability Report included ( report # XXXX ) dated XX/XX/XXXX and see Page 2 of 13 which lists the following student loan debt : Dpt EdXXXXSlm Current Balance : {$210000.00} Dpt Ed/Slm Current Balance : {$74000.00} Dpt Ed/Slm Current Balance : {$8900.00} Dpt/Slm Current Balance : {$2100.00} See Page 3 of 13 : Dpt/Slm Current Balance : {$1500.00} **If you page through the remaining pages 4-13 of that report, you will see multiple accounts listed by Sallie Mae with varying amounts, none of which make any sense. \n\nPlease see Packet C and see Email # XXXX dated XX/XX/XXXX from myself to the student loan support center entitled : loan balance inquiry and this was assigned a Case : XXXX. I contacted them seeking assistance to clarify this balance and I was directed to speak with Navient. I spoke with Navient that same month and was told that my balances were correct. Please see Packet C and find Email # 4 this is an example of an email dated XX/XX/XXXX to a mortgage company in which I was trying to get a pre-approval to purchase a home. I had been working diligently at improving my credit which was barely passable for a pre-approval. Turns out I was eventually turned down because of the high student loan balances that Navient is reporting and this email will serve as an example of how my life has gone ever since Sallie Mae and Navient entered my life. \n\nIf you refer to Packet D, these are printouts of my account information directly from Navients website. Please see the amount of interest that bears down on me every month. For example, you will see in this packet that I printed out my total current balance on XX/XX/XXXX which was : {$360000.00}. I printed out my balance as of today, XX/XX/XXXX and is now : {$370000.00}. That is about {$4000.00} in just 2 months time. My financial life has been ruined by Sallie Mae and Navient and I am regretful I didnt catch onto this sooner. But once I did, I have spent many months gathering all of this and trying to figure this out. \n\nI present my case to you and seek help and direction. Please contact me at your soonest convenience, and I have a detailed packet to follow this which i can mail. I need help with this. Sallie Mae and Navient have been negligent and deceitful and this has to be illegal. \n\nI appreciate any and all assistance you can provide. Thank you in advance. \n\nSincerely, XXXX","date_sent_to_company":"2019-08-04T08:17:07.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"60402","tags":null,"has_narrative":true,"complaint_id":"3329373","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-08-04T06:48:19.000Z","state":"IL","company_public_response":null,"sub_issue":"Need information about your loan balance or loan terms"},"highlight":{"complaint_what_happened":["You will see Loan # 22 <em>which</em> I provide a copy of this consolidation : FFEL Consolidated Established on XX/XX/<em>XXXX</em> <em>Total</em> Borrowed : {$66000.00} Servicer : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. \n<em>XXXX</em>, IL <em>XXXX</em> To further confirm this balance, please refer to Packet B <em>which</em> are copies of my personal <em>bankruptcy</em> records. Please see <em>Bankruptcy</em> # 1 Chapter <em>XXXX</em> Case # <em>XXXX</em> and refer to Page # 2 <em>which</em> is the Schedule F for this <em>bankruptcy</em>."]},"sort":[13.268267,"3329373"]},{"_index":"complaint-public-v1","_id":"3348949","_score":12.221728,"_source":{"product":"Debt collection","complaint_what_happened":"Medicredit has mis-managed my account previously and also my payments. I previously filed a case a year ago. # XXXX. I called in to check on the balance of my account, because it seems as if it was {$150.00} off, and I know that the account is set to be paid off this year. When I called in, I asked what account balances are on this plan, the woman said that there are 17 account. I advised her that she was mistaken. I am paying 4 maybe 5 max on this plan. There is one account of my husbands that I asked to be included, and three of mine. Because this woman wanted to argue, I asked to speak with a supervisor by the name of XXXX. XXXX told me that not only was the {$780.00} from my husband 's account on there, there were several other bills. Somehow when they set up my plan someone checked all 17 accounts. I had to tell XXXX several times that when I started this plan, nothing was due to medicredit. I filed bankruptcy and accounts were included there. Any other account that they had was either in bankruptcy, paid to the original creditor, or paid to them. In 2015 I didn't owe them any other bills. For my husband there were two accounts that I kept fighting with them and XXXX XXXX XXXX. I called in finally with the insurance company on a three way call. I spoke with both medicredit and XXXX XXXXXXXX XXXX. When XXXX XXXX XXXX sent the bill to my insurance company they had my husband 's correct name, however they had the incorrect date of birth. They submitted the claim like that on three or four different  occasions, more than likely every time I called to see why they were sending us a bill. The insurance representative told both medicredit, and XXXX ( now XXXX XXXX ) that they are not paying. According to their contractual agreement they have six months to submit claims and be paid, in their contract they must submit correct information within 6 months, and they can not go after the customer because they didn't submit the correct information. According to XXXX they paid that bill. Another {$25.00} bill, and another bil for {$150.00}. They applied 6 {$25.00} payments to my bills that they could not provide the dates, nor the provided which more than likely was in my bankruptcy. At this time I have paid {$5400.00} to Medicredit. When this month 's draft hit my account it started off at payment # 1, which more than likely I am finished with what I was supposed to and agreed to pay, however they started applying my money elsewhere. According to XXXX their system is unable to track every single payment since so much time has passed. She said she would remove the payment from my husband 's account and apply to mine, however this will start the collection process all over for an account that was not due. I asked how much will it take to settle the account and not report to my credit report, I was advised that XXXX takes 20 %. I then told her no, because I shouldn't have to settle and worry about what they will report since they could not email me or mail a letter due to their error. Last year medicredit cost my a job by the negative reporting, and this year they are applying payments illegally where they are not due. In order to be in and remain in business they must have accurate payment processing. I have requested that they stop drafting from my account, and I am filing this complaint so that what I have paid is the final payment. I should have taken them to court when they cost me a position with a bank, however I was able to get another job a few weeks later. And this year it is something else with they checked off all 17 of your accounts. Technically because last years complaint was so malicious because a girl broke my plan intentionally to place it in her name I should have taken them to court for the entire amount due and not paid them another dime. Applying payments to previously bankrupt discharged accounts is illegal, and the system should not even allow that to be an option. Also the account where they sent the claim to the insurance company incorrectly they should have deleted that from their system when they sent it back to them. Due to medicredits gross negligence I am requested that they update with what is due, and they completely write-off the excess that is due for their errors. If they are saying that their client accepts 80 % of the debt, and they can write off 20 %. Then they need to do so without holding me accountable in any way by sending tax information in, or any credit reporting, because this is something that they have caused. Their employees are so malicious when you call in, they are just trying to collect anything, and apply payments anywhere and it is worse because they are hoping that when they apply your payments to debt that is not owed, that they can tell you anything. When I looked at the previous complaint I was correct, there were four accounts. {$780.00}, {$2300.00}, {$1600.00}, and {$460.00} according to XXXX. If that is the case then the the totals are {$5100.00} and I have paid {$5200.00} so far. The accounts are paid in full. When I called back and spoke to another representative, I was given different figures of {$780.00} for my husbands account, my accounts {$2300.00}, {$1600.00}, and {$1200.00}, which is {$6000.00}. This {$770.00} accounts for the 20 % that the client is willing to wipe away, or this could be minimum a fine, but bottom line for the XXXX that they have put me through, this account should be paid in full. Medicredit should be fined and have all of their accounts audited due to poor ethics within the organization from the employees up, as well as their poor payment system, and tracking measures. Please make this public so that others are able to look up this information and be informed on their tactics.","date_sent_to_company":"2019-08-21T16:35:34.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"28214","tags":null,"has_narrative":true,"complaint_id":"3348949","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The Outsource Group, Inc","date_received":"2019-08-21T15:33:00.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["Any other account that they had was either in <em>bankruptcy</em>, paid to the original creditor, or paid to them. In 2015 I didn't owe them any other bills. For my husband there were two accounts that I kept fighting with them and <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. I called in finally with the insurance company on a three way call. I spoke with <em>both</em> medicredit and <em>XXXX</em> XXXXXXXX <em>XXXX</em>."],"product":["Debt <em>collection</em>"],"sub_issue":["Debt was already discharged in <em>bankruptcy</em> and is no longer owed"]},"sort":[12.221728,"3348949"]},{"_index":"complaint-public-v1","_id":"8728833","_score":11.589081,"_source":{"product":"Mortgage","complaint_what_happened":"WARNING TO FIFTH THIRD : THIS IS NOT A DUPLICATE COMPLAINT. \n\nFIFTH THIRD HAS A HABIT OF MARKING MY COMPLAINTS AS DUPLICATES WHEN THEY IN FACT ARE NOT ENTIRELY DUPLICATES. SO I AM REQUESTING A DIRECT RESPONSE TO THIS COMPLAINT. \n\nOn XX/XX/XXXX I was forced by Fifth Third Bank ( 53 ) to file personal XXXX  XXXX bankruptcy to stop an illegal XX/XX/XXXX foreclosure WHILE a XXXX hardship application was in process which is a violation of dual tracking discussed below. In addition, after filing personal bankruptcy, I decided to look into some additional reasons why the foreclosure was illegal and the most recent are LACK OF STANDING ( see item XXXX below ) and multiple consumer federal and state violations regarding late fees and junk fees ( see items XXXX - XXXX below )... \n\nFifth Third 's bad faith actions noted below have driven me to unfairly seek bankruptcy protection to stop an illegal foreclosure that should never have been pursued. \nI lost my 30 year-old manufacturing company with XXXX employees to XXXX and closed the doors XX/XX/XXXX. This hardship resulted in delinquency on our Fifth Third mortgages and after filing multiple hardship applications on the primary mortgage and home equity line of credit ( HLOC ), Fifth Third ( 53 ) initiated foreclosure on XX/XX/XXXX. After multiple attempts to meet and confer failed, I decided to file XXXX XXXX to stop the illegal foreclosure. This foreclosure is illegal for these reasons : 1 ) It is important to note that our hardship application was for the primary mortgage ( in both names ) and home equity line of credit ( in my ex-wifes name ), 2 ) The home has approx. {$300000.00} in equity, 3 ) As a result of XXXX, we filed for XXXX  in XX/XX/XXXX, 4 ) FORBEARANCE  ( PRIMARY MORTGAGE see correspondence from Fifth Third dated XX/XX/XXXX ) - we filed our first covid hardship application in XX/XX/XXXX, then again in XX/XX/XXXX and again in XX/XX/XXXX, and Fifth Third never disclosed ( required by regulation ) the XXXX  XXXX XXXX XXXX XXXX XXXX  program, a crucial loss mitigation option, that could have prevented our hardships from getting significantly worse because it offered a more flexible and affordable mortgage assistance program for those impacted by XXXX. The reason the multiple forbearance assistance was not the best option is because any amount you were excused from paying during forbearance is added back into the total you owe and factored into the new payment structure after the forbearance period is up. During this 2 year period, our mortgage payment ended up being higher thereby making our hardship worse leading to the need to file for more hardship assistance with XXXX but this time we became delinquent on the HLOC ( item XXXX below ). \n5 ) TODAY WE ARE CURRENT ON THE PRIMARY MORTGAGE but it does no excuse 53s negligence and violation of regulations by failing to disclose the GMA  as a loss mitigation option. Fifth Third is required by the Consumer Financial Reporting Bureau ( CFPB ) regulations to disclose all loss mitigation options including GMA. \n6 ) ADDITIONAL HARDSHIP APPLICATIONS ( XXXX XXXX XXXX  ) - we became delinquent in XX/XX/XXXX while XXXX was still at its height... Since our hardships became much worse, we filed multiple Hardship applications for assistance but it was the hardship application filed in XX/XX/XXXX where Fifth Thirds mishandling and poor duty of care made our hardship much worse... the XX/XX/XXXX application took 9 months to process and resulted in a higher payment due to skyrocketing interest rates. This long process took away our rights to refinance at the lower rates in effect around XX/XX/XXXX. I did not take the payment offer because it was higher and again it would have made our hardship much worse. Due to 53s negligence in taking its time processing During the 9 months, 2-3 months went by with no replies to emails or phone calls. Due to the shoddy prolonged hardship application processing and poor duty of care, my ex-wife became frustrated and saw no hope in refinancing to get her name off of both mortgages so she could purchase her own home. \n7 ) REFINANCE : On numerous occasions, Fifth Third told us the only way to remove my ex-wifes name from both mortgages was to refinance but due to the shoddy prolonged processing of our applications while rates were skyrocketing, the refinance option was basically taken away by 53 from us because if I was to refinance at the higher rates, the payments would be higher which would make the hardship even worse, 8 ) So I filed another XXXX hardship application in XX/XX/XXXX and this one, while still in process/underwriting as of XX/XX/XXXX going on 8 months, is when the bank initiated the foreclosure which is a violation of dual tracking regulations at both the federal and state levels. This application was handled by different processors all asking for different information, requests for the same documentation and confusion over who ( me or my ex-wife ) should file the application... as an example, we re-filed at least XXXX applications during this 8 month period. \n9 ) LATE FEES CHARGED DURING BOTH PROLONGED HARDSHIP APPLICATIONS : these unconscionable and unreasonable extended periods to process routine hardship applications demonstrate that Fifth Third has taken control of our mortgage accounts to pump up fee income and the related interest income. Fifth Third unconscionably charged late fees ( with interest tacked on ) while they took their sweet time processing the XX/XX/XXXX and XX/XX/XXXX hardship applications that took 9 months and 8 months, respectively, and the latter is still in process even after I was forced to file bankruptcy to stop the XX/XX/XXXX foreclosure. There is no way this is legal. I am 100 % positive and can back up the fact that we did not contribute in any way whatsoever to any of the delays during the prolonged processing of these hardship applications. Whatever documents they needed or questions needing answers were provided promptly, The late fees charged by Fifth Third were excessive and unjustifiable, and are subject to various regulations at both the federal and state levels. Here are some common regulations that Fifth Third is required to comply with : Regulation Z ( Truth in Lending Act ) : Under Regulation Z, lenders are required to disclose late fees associated with consumer credit transactions, including mortgages, in the loan agreement or disclosure statement provided to borrowers. These fees must be reasonable and can not exceed certain limits set by law. \nState Usury Laws : Many states have usury laws that govern the maximum interest rates and fees that lenders can charge on loans. These laws often include provisions related to late fees, such as caps on the amount that can be charged or requirements for reasonableness. I am still researching the application of XXXX  XXXX XXXX XXXX  regarding late fees. But at a minimum it appears that charging legal fees during prolonged periods of hardship applications are not a reasonable practice by a mortgage servicer. The impact of this questionable practice spread over all of the Fifth Thirds customers falls into the category of bad faith actions that generate significant revenue for Fifth Third. \nFair Debt Collection Practices Act ( FDCPA ) : The FDCPA prohibits debt collectors, including lenders, from using abusive, unfair, or deceptive practices in collecting debts. This may include restrictions on the imposition of excessive late fees or fees that were not properly disclosed to the borrower. \nMortgage Servicing Rules ( RESPA ) : The Real Estate Settlement Procedures Act ( RESPA ) imposes various requirements on mortgage servicers, including rules related to the assessment and handling of late fees. These rules may include provisions for reasonable fees and requirements for notice to borrowers. \nState Consumer Protection Laws : Many states have consumer protection laws that govern the terms and conditions of loans, including late fees. These laws may impose additional requirements or restrictions on lenders beyond those required by federal law.\n\n10 ) LEGAL FEES CHARGED DURING BOTH PROLONGED HARDSHIP APPLICATIONS As part of the foreclosure notices, Fifth Third sent us a payment history and it shows over {$45000.00} in legal fees charged to my payment history during the prolonged processing of our XX/XX/XXXX and XX/XX/XXXX hardship applications ; this appears to be an extremely sneaky way to suction money out of any sales proceeds from the planned foreclosure. Again we had no control over prolonged delays in processing these applications and no legal actions were ever disclosed to us, 11 ) JUNK FFES CHARGED DURING BOTH PROLONGED HARDSHIP APPLICATIONS multiple indecipherable junk fees were charged throught the life of the home equity line of credit and they were never disclosed to us in advance or when they were charged, 12 ) SUCCESSOR OF INTEREST - I made attempts to make payments on the HLOC delinquency to cure the default but 53 refused the payments because my name was not on the HLOC note but the 53 never disclosed the Successor of Interest form until XX/XX/XXXX. If they had disclosed this form around the XX/XX/XXXX divorce time frame, my ex-wife would have signed it and the Fifth Third could have confirmed me as the successor of interest and my payments would have been accepted. Ironically, Fifth Third asked my ex-wife to sign a quit claim deed and we did ( Court stamped on XX/XX/XXXX ) but the bank did nothing with it ; this should have prompted the bank to disclose the Successor of Interest form. So we did not find out about this form until over 3 years later. Fifth Third apologized for not letting us know about his form while initiating the foreclosure. Despite this crucial oversight, the bank first required me to sign the Successor of Interest form for the HLOC but several days later, apologized again, and said my ex-wife was supposed to sign it and that was on XX/XX/XXXX... so we wasted more time with our hardship application still in underwriting even as of XX/XX/XXXX. \n13 ) I pleaded with 53 to mediate and stop the foreclosure and the bank said they can not stop it and did not want to discuss alternatives. With 30 days before foreclosure, the first reason for refusing to mediate was there was not enough time but I kept pressing the bank for a reason why there was not enough time and then the reason was changed to Attorney Client privilege! \nXXXX ) we have more than enough income to make the payments, XXXX ) XXXX DAUGHTER : I am also the XXXX XXXX of my XXXX  XXXX daughter and I think the foreclosure is a violation of the fair housing act for the XXXX. 53 asked for a copy of XXXX XXXX XXXX ordered legal guardianship and conservatorship documentation but did nothing with it as evidenced by the planned foreclosure. \n16 ) The banks negligent actions and unwillingness to stop harming us has made our life miserable, 17 ) Since I can not afford a lawyer, I decided to sue the bank as a pro-se litigant. Several of my defenses to prove to the court that the planned foreclosure include : a. Lack of Standing : I asked 53 many times to disclose loan transfer date to new owner but no reply. Without knowing these details on the new owner ( GNB Realty ) of the HLOC, there is no proof that 53 has the legal right to initiate foreclosure. \nb. Dual Tracking ( item 6 above ) : it is illegal to initiate foreclosure while a hardship application is in process. \nc. Negligently prolonging the processing of hardship applications : When a lender negligently prolongs the processing of hardship applications, several laws and regulations may be violated, including Real Estate Settlement Procedures Act ( RESPA ), Consumer Financial Protection Bureau ( CFPB ) Mortgage Servicing Rules, State laws and regulations, Truth in Lending Act ( TILA ), Fair Debt Collection Practices Act ( FDCPA ), Dodd-Frank Wall Street Reform and Consumer Protection Act, and State consumer protection laws. This negligence includes unresponsiveness and inadequate communication. Throughout these 8 months of the current XXXX hardshp application ( in underwriting as of XX/XX/XXXX ), the defendant demanded that we submit both new and resubmitted documentation, along with updated applications. We diligently and promptly fulfilled application rework. \nd. Robosigning : it appears that one of the reasons for the prolonged hardship application processing is due all of these requirements without hesitation, and it's crucial to note that none of the rework was due to any fault on our part and I am 110 % positive that we did not contribute to any of the XXXX hardship documents being robosigned meaning no one is reviewing the documents e. Illegally charging late fees and junk fees during 2 prolonged XXXX hardship applications of XXXX and XXXX  months respectively. \nf. Failure to disclose all loss mitigation options g. Failure to disclose the Successor of Interest form h. Failure to disclose in advance changes in interest rates on adjustable rate mortages i. Robosigning j. Discriminatory Practices : possible violation of the fair housing act for the XXXX. \n18 ) There are many other crucial failures demonstrated by Fifth Thirds lack of good faith with fair dealings After this experience with Fifth Third bank, I believe there are many homeowners who illegally lost their home to foreclosure due to prolonged shoddy application processing, negligence, incompetence, indifference, unethical conduct and bad faith actions. I suggest a federal investigation into this banks poor duty of care and I am sure many people have had their homes illegally foreclosed on. I dont believe there are many homeowners are as relentless and resourceful as I am to fight back including filing a pro se lawsuit. \n\nOne would think that Fifth Third, one of the 25 largest banks in the country, would have given our XXXX hardship application a higher level of priority. \n\nCONCLUSION I purchased my sportswear manufacturing business in XXXX with a {$400000.00} deposit from my life savings and a {$1.00} XXXX XXXX loan and then losing it due to XXXX, I applied for XXXX hardship assistance with Fifth Third bank and in all cases my modified payments on both the primary mortgage and the HLOC increased and the current application is still in process after 8 months and the previous one took 9 months... 2 hardship applications taking almost 2 years to process and then 53 has the nerve to attempt foreclosure- this is an absolute outrage from a large bank and you can not make this up. Our hardship is now much worse and despite this lack of duty of care, 53 someone finds a way to justify foreclosure despite multiple violations of federal and state regulations. It is my belief that there are many homeowners who have lost their homes to illegal foreclosure and some are still facing illegal foreclosure and unfortunately many of these homeowners are not determined enough or resourceful enough to fight back like I am attempting to do but it has come at a heavy cost of having to file bankruptcy to stop an illegal foreclosure. \n\nIn item 13 ) above, I pleaded with 53 to mediate and stop the foreclosure and the bank said they can not stop it and did not want to discuss alternatives ; here are some reasons why 53 is motivated to continue with illegal foreclosures : 1 ) Financial Incentive ( Ramp up fee income ) : often come with associated fees ( i.e., legal fees discussed in item 10 above ) and costs that the bank can charge to the borrower. This financial incentive may motivate banks to pursue foreclosure on properties with substantial equity, as it can result in higher fees and potential profits for the bank. The problem here is that it also appears that one can argue that 53 intentionally prolonged the processing of the hardship applications to generate fees to help meet the banks XXXX XXXX rosy profit projections 2 ) Recovery of Debt : Foreclosing on a home with substantial equity allows the bank to recover the outstanding debt owed by the borrower more effectively. The sale of the property can help the bank recoup its losses, including the outstanding loan balance and any associated fees. \n3 ) Fractional Reserve Banking : Fractional reserve banking, a system where banks are legally required to hold a fraction of customer deposits as reserves and lend out the rest, can influence their decisions in several ways : a. Lending Practices : When banks engage in aggressive lending practices that could result in borrowers defaulting on their loans, banks may resort to foreclosure to recover their funds and protect their assets. \nb. Risk Management : Fractional reserve banking exposes banks to liquidity risk, as they may not have enough reserves to cover deposit withdrawals in times of financial stress. To mitigate this risk, banks may prioritize assets that can be quickly liquidated, such as real estate through foreclosure, to ensure they can meet their obligations to depositors.\n\nc. Profit Maximization : Foreclosure can be a profitable endeavor for banks, as they can recoup outstanding loan balances, fees, and penalties associated with ALL delinquent loans. In cases where borrowers have significant equity in their homes, foreclosure may offer an attractive opportunity for banks to recover their funds and potentially generate additional profits. Substantial equity may present a more attractive option for foreclosure from a financial perspective.\n\nd. Regulatory Pressure : Banks operate within a regulatory framework that requires them to maintain certain levels of capital reserves to ensure financial stability. In situations where banks face capital shortages due to loan defaults or other financial challenges, regulators\n\nmay exert pressure on banks to strengthen their balance sheets by recovering bad debts, including through foreclosure. Fractional reserve banking incentivizes banks to foreclose on homes by contributing to a lending environment where banks may b\ne more inclined to pursue foreclosure as a means to bad management ( e.g., recoup losses due to bad portfolio risks management ), need to maximize profits, and meeting regulatory requirements I would appreciate any help your news organization can provide to resolve this matter.","date_sent_to_company":"2024-04-09T17:01:03.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"30071","tags":"Older American","has_narrative":true,"complaint_id":"8728833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2024-04-09T15:45:07.000Z","state":"GA","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":["On XX/XX/<em>XXXX</em> I was forced by Fifth Third Bank ( 53 ) to file personal <em>XXXX</em>  <em>XXXX</em> <em>bankruptcy</em> to stop an <em>illegal</em> XX/XX/<em>XXXX</em> foreclosure WHILE a <em>XXXX</em> hardship application was in process <em>which</em> is a violation of dual tracking discussed below."]},"sort":[11.589081,"8728833"]},{"_index":"complaint-public-v1","_id":"5118628","_score":11.430016,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to you regarding the Utah State Tax Commission and the tax collection practices within the Commission. The Utah State Tax Commission is currently engaged with GC Services for collection of back and past due taxes involving individual accounts. \n\nBased on a letter that I received from GC Services on XXXX, XX/XX/XXXX, I currently owe the Utah State Tax Commission, {$4200.00}. The letter from GC Services dated XX/XX/XXXX, alleges that GC Services has made repeated attempts to contact me by telephone and letters urging me to contact GC Services, regarding my Utah State Tax Commission delinquency. This letter from GC Services, is false and misrepresents the facts surrounding my account at the Utah State Tax Commission. I have been making monthly payments directly to the Utah State Tax Commission on my account. \n\nBecause of what I have experienced with GC Services and the Utah State Tax Commission, on Friday, XX/XX/XXXX, I reached out to the Utah State Taxpayer Advocate requesting assistance to establish a repayment plan. On Friday, XX/XX/XXXX, I received a call from the taxpayer advocate however, as I quickly realized, the taxpayer advocate representing the Utah State Tax Commission is no other than GC Services! \n\nObviously, I was shocked, but not at all surprised based upon what I have experienced with the Utah State Tax Commission and GC Services. The Utah State Tax Commission has completely misrepresented the rights of taxpayers and falsely advertised what they claim is the Taxpayer Advocate within the State of Utah. There is a huge difference between a debt collector and advocate! \n\nDebt collection is the process of pursuing payments of debts owed by individuals or businesses. An organization that specializes in debt collection is known as a collection agency or debt collector. \n\nThe role of an advocate is to offer independent support to those who feel they are not being heard and to ensure they are taken seriously and that their rights are respected. It is also to assist people to access and understand appropriate information and services. \n\nThe Utah State Tax Commission and GC Services have repeatedly engaged in violations of the Fair Debt Collection Practices Act ( FDCPA ). When I spoke with the agent from GC Services on XX/XX/XXXX, at XXXX PM, the agent told me they were calling on behave of the Utah State Taxpayer Advocates regarding my request to set up a payment plan. I then explained my situation, that I had been seriously ill with XXXX and had not been working full time, that I was making payments to the Utah State Tax Commission based on what I could afford at the time. The Utah State Taxpayer Advocate from GC Services immediately wanted me to set up automatic payments going directly to GC Services that I could not afford. \n\nWhen I explained that I could not afford the payments they were requiring nor did I want to make payments directly to GC Services, the agent then informed me that I could continue to make payments as I had been but that I needed to contact GC Services once I was working full-time to arrange payments that fit into the required payment model. I was told that unless I set up automatic payments directly with GC Services, I could not be considered for payment arrangements. I agreed that once I was employed full-time that I would contact GC Services and update the payment arrangements. \n\nThe last time I spoke with anyone at GC Services was on XX/XX/XXXX, at XXXX PM. Based on my phone records, I have not received any additional calls from GC Services since that date nor had I received any written communications in XXXX from GC Services. Please look at the language included on the letter enclosed that I received from GC Services today, Thursday, XX/XX/XXXX. As of today, XX/XX/XXXX, I requested verification from GC Services regarding all attempts to contact me both by telephone and written communication. \n\nBecause I am unable to meet the payment requirements that GC Services and the Utah State Tax Commission have required, I have been denied the right to enter into a monthly payment agreement and as a result have been threatened with wage garnishment, had liens and warrants filed against me. All while making monthly payments that I could afford to the Utah State Tax Commission. I am essentially being punished for being poor and not being able to meet the payment requirements of the Utah State Tax Commission and GC Services. \n\nI have chosen to make payments directly to the Utah Tax Commission and not GC Services and as a result, have been harassed, threatened, and punished with excessive legal fees and judgements. Adding additional liens, warrants, and wage garnishments to my account, only continues to add to the balance, all while I have been paying what I could afford now. The excessive amount of legal action taken against me during the pandemic amounts to cruel and usual punishment! \n\nBecause of the trauma and repeated psychological abuse experienced at the hands of the Utah State Tax Commission and GC Services, on XX/XX/XXXX, I filed Form 911, Request for Taxpayer Advocate Service Assistance with the IRS. Being under constant psychological threat and fear, at the hands of the Utah State Tax Commission and GC Services, has taken a huge toll on my emotional, mental, and physical well-being. Having my wages garnished, potentially means that I would no longer be able to afford my apartment, holding down a job while homeless is next to impossible which serves to only prolong my ability to repay this debt. \n\nIn XXXX, I filed for chapter XXXX bankruptcy, which I completed on my own. I had included the tax debt at the Utah State Tax Commission within the bankruptcy, however, the Utah State Tax Commission refused to accept that I had included the tax debt within the bankruptcy because apparently, I didnt file the correct paperwork they required. Based upon what I was told from the Utah State Tax Commission, I had to accept the lability for the tax debt even though I had filed for chapter 7 bankruptcy to get a fresh start and had included the tax debt at the Utah State Tax Commission within the bankruptcy. \n\nI was denied the opportunity of a fresh start because of the Utah State Tax Commission and due to the excessive liens, judgements and warrants issued, my credit is destroyed. In XXXX I requested an offer in compromise, suggesting that I pay just the total tax owed and requested that the penalties, interest, and late fees be waved so that I could have an opportunity for a fresh start by simply paying the total tax owed. This offer in compromise was rejected. In the State of Utah and the United States, you are punished for being poor. I completed the chapter 7 bankruptcy filling on my own, because I couldnt afford an attorney and as a result, the Utah State Tax Commission has ensured that my credit is destroyed and additionally added a huge amount of legal fees onto my account.\n\nBased on the Utah State Tax Commission using their collection agency as a tax advocate, taxpayers in the State of Utah have zero rights. I believe that it is in the interest of justice and all taxpayers under the Utah State Tax Commission for the Tax Division and the Consumer Protection Branch at the U.S. Department of Justice to investigate the abusive and predatory practices at the Utah State Tax Commission and GC Services.\n\nHaving lived in other states, Ive experienced other States Tax Commissions, for example Colorado. The Colorado State Tax Commission website is topnotch, transparent, and effective, all the taxpayer information is assessable to the taxpayer. The complete taxpayer account ledger is available online, making it very easy for the taxpayer to verify any account related information in the State of Colorado. Address changes can be submitted online. Any issues can easy be resolved in a professional and timely manner.\n\nThe Utah State Tax Commission and their website is inept! Address changes must be made through the US Postal Service ; no individual taxpayer information can be accessed online. While the Utah State Tax Commission says that you are entitled to your individual taxpayer account information, you must request the information again through the US Postal Service. If you request an accounting ledger of your account, the Utah State Tax Commission makes you pay to verify the accounting on your own taxpayer account. There is zero transparency surrounding the accounting practices at the Utah State Tax Commission and no easy and effective way for the taxpayer to verify anything with the commission. The Utah State Tax Commission website is an inept mess stuck in 1999 with little effectiveness.\n\nI am not denying the debt owed to the Utah State Tax Commission. There has been and continues to be egregious practices on behave of the Utah State Tax Commission and potentially illegal practices on behalf of the Utah State Tax Commission and GC Services. I have included the letters and communications that I have received from GC Services, all the statements they have made on behalf of the Utah State Tax Commission should be easily verifiable, if in fact truthful. \n\nLastly, I have included a letter that I received from the Utah State Tax Commission, dated XX/XX/XXXX. This letter was sent to the wrong address, I have little confidence in the Utah State Tax Commission given the fact they cant even get an individuals address correct! Is it reasonable for me to have any confidence in anything the Utah State Tax Commission does or continues to do given what I have experienced and the complete lack of transparency at the Utah State Tax Commission? \n\nThank you for your time and consideration.","date_sent_to_company":"2022-01-18T07:30:59.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"82009","tags":null,"has_narrative":true,"complaint_id":"5118628","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ORG GC GP BUYER, LLC","date_received":"2022-01-18T02:11:53.000Z","state":"WY","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Having my wages garnished, potentially means that I would no longer be able to afford my apartment, holding down a job while homeless is next to impossible <em>which</em> serves to only prolong my ability to repay this debt. \n\nIn <em>XXXX</em>, I filed for chapter <em>XXXX</em> <em>bankruptcy</em>, <em>which</em> I completed on my own."],"product":["Debt <em>collection</em>"]},"sort":[11.430016,"5118628"]},{"_index":"complaint-public-v1","_id":"4138561","_score":11.017082,"_source":{"product":"Debt collection","complaint_what_happened":"In XXXX we took out a second, secured loan through XXXX of XXXX Pa. In XXXX due to my husband having to retire from XXXX XXXX because of XXXX, we had to file Chapter XXXX bankruptcy. At that time we were sure that everything was included in this bankruptcy, including the XXXX loan. We never received any more notices from XXXX, and there was never any postings to our credit reports about XXXX being in collection. We started to receive collection notices from Fay Servicing saying that they were now the owners of the XXXX debt, and now, we owed them almost {$40.00}, XXXX from the original XXXX loan made in XXXX, of {$8200.00}. The interest of 19.9 % has accrued for 20 years Now, Fay has come up with the grand total of {$40000.00} that they say we owe them. When we first started getting notices from Fay Servicing, we thought it was a scam because there was nothing on our credit reports and we had heard nothing for 19 years. When I XXXX Fay Servicing I come up with all the posts about how Fay has been in court for taking elderly people 's homes and not being up on the up and up with their customers. They lost, and were ordered to pay a pretty hefty fine for what they were doing. Back in XX/XX/XXXX, we were thought that the Fay Servicing was a scam, we received a contract in the mail, for a mortgage to pay back the then {$30000.00} loan, form Fay Servicing. We ignored the papers because, like I said we thought it was a scam. I then, contacted Fay Servicing, after trying to make some kind of payment arrangements or come to some kind of an agreement, thinking they would offer us the same mortgage contract as they did in XX/XX/XXXX,. They told us to reapply through Fay Servicing once again and we did. After a big run around and waiting forever we received a letter saying that we were turned down because of insufficient annuities, savings, etc. When I asked them why where we turned down this time, because nothing has changed since XXXX when they offered us the first mortgage. I called the office and spoke to a Fay Servicing rep, and she said we were turned down?????? So we have to be forced to sell our home if 20 years, because Fay DOES NOT WANT TO HELP US. Our current house 's first mortgage isthrough XXXX, has been put into foreclosure by Fay Servicing .We procured a lawyer from XXXX XXXX XXXX XXXX XXXX because we are both XXXX and over the age of XXXX. Right now we have a court date for XX/XX/XXXX with our attorneys Fay Servicing representatives and a judge to try to find a solution for this problem. Our lawyer is going to argue the statutes of limitation clause. Even though a similar court case has never been won in the state of Pennsylvania, hopefully the laws can be changed and make it illegal for the unscrupulous vulture attorneys to collect these years old debts. ESPECIALLY when they're not willing to make suitable payment arrangements for the person who has the debt. They're saying hey, we have this debt now, you owe us, but they are NOT willing to help you make a way to pay it so basically they're going to take our house. Of course they want a down payment to reactivate the loan of {$35000.00}. We do not have {$35000.00} as people living on a fixed income. Like I said we have tried countless times to make payment arrangements with Fay Servicing, but they refuse to come to any kind of agreement with them. We even called XXXX XXXX which is holds our first mortgage on this house, and they basically are giving us the runaround I have called them countless times and ask them in every person I talk to you have to tell them the same story they don't seem to know what's going on. We had three people on separate occasions from XXXX tell us that yes, don't worry we can stop this foreclosure. All we have to do ( XXXX ) is add Fay Servicing on to our loan. We waited two weeks called them back and then somebody else told us no we can't do that. So here we are, going to lose our home. We need your help big time. Please file a case against Fay Servicing and maybe it will help us, and, or even someone else who is being victimized by these types of companies. \nThank you so much!","date_sent_to_company":"2021-02-13T23:51:56.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"160XX","tags":"Older American","has_narrative":true,"complaint_id":"4138561","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fay Servicing, LLC","date_received":"2021-02-13T21:51:12.000Z","state":"PA","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["In <em>XXXX</em> we took out a second, secured loan through <em>XXXX</em> of <em>XXXX</em> Pa. In <em>XXXX</em> due to my husband having to retire from <em>XXXX</em> <em>XXXX</em> because of <em>XXXX</em>, we had to file Chapter <em>XXXX</em> <em>bankruptcy</em>. At that time we were sure that everything was included in this <em>bankruptcy</em>, including the <em>XXXX</em> loan. We never received any more notices from <em>XXXX</em>, and there was never any postings to our credit reports about <em>XXXX</em> being in <em>collection</em>."],"product":["Debt <em>collection</em>"],"sub_issue":["Debt was already discharged in <em>bankruptcy</em> and is no longer owed"]},"sort":[11.017082,"4138561"]},{"_index":"complaint-public-v1","_id":"2873513","_score":10.992816,"_source":{"product":"Debt collection","complaint_what_happened":"To whom it may concern at the CFPB, I am trying to get immediate help with a Law firm/debt collector that is trying to collect on a fraudulent account supposedly opened on XX/XX/XXXX. Due to this case being a fraudulent credit card account that is almost 20 years old, bought and sold 3 times from the original creditor ( XXXX XXXX ) to several Debt Collectors over the past 15 to 17 years, the only way I felt that this would make more sense to you is if I described as best as possible to the best of my knowledge the history of this fraudulent account. \n\nBecause this is a fraudulent account opened so long ago and without my knowledge, it is almost impossible to provide any additional documents or proof of anything besides what this law firm has given me on XX/XX/XXXX when I called and spoke with one of the attorney 's there and recorded with their permission. So, this information is the best I have available for your review. \n\n*The fraudulent account details are below : *Original Creditor - XXXX XXXX XXXX   *Supposed day the account was opened with the original creditor - *Account sold from original creditor to - XXXX XXXX - Date unknown *Account sold again to - XXXX XXXX - Date reported XXXX XX/XX/XXXX *Account sold a 3rd and final time to - Weber & Olcese , PLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI *Supposed Date reported and Judgement filed in XXXX District Court by the above mentioned law firm - XX/XX/XXXX *Date of Notice of Garnishment - XX/XX/XXXX *Total Garnished amount from my paycheck on XX/XX/XXXX - {$570.00} XXXX District Court Case # - XXXX *Supposed original past due balance - Unknown *Supposed Judgement Amount - {$1800.00} *Supposed interest accrued - {$2300.00} *Supposed amount due now, including interest, fees, etc - {$4100.00} This shady, relentless and unforgiving attorney/debt collector is the 3rd time this fraudulent debt was bought and sold. \n\nLaw Firm/ Debt Collector Weber & Olcese , PLC XXXX \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX *Original Fraudulent Account Date - XX/XX/XXXX *Original Fraudulent Account Collections Date - XX/XX/XXXX *2nd Fraudulent Account Account Date - XX/XX/XXXX *Fraudulent Account Judgement Amount - {$1800.00} *Total Fraudulent Judgement Interest Accrued {$2300.00} *Unsatisfied Fraudulent Judgment Amount XXXX *3rd Writ of Garnishment issued on XX/XX/XXXX and was received BY MY EMPLOYER, NOT MYSELF AND AGAINST THE LAW *Fraudulent Garnishment Taken From My Payroll On XX/XX/XXXX in the amount of {$570.00} This letter is being sent to you in response to notices sent to me from your company in regards to a fraudulent account opened in XXXX. Please be advised that this is a refusal to pay and a notice sent to your company pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. \n\nI respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you, especially forewarning you that this was a fraudulent account. Please provide me with the following immediately : 1- What the money you say I owe is for. I have ZERO knowledge of this fraudulent account until today, XX/XX/XXXX when I received the bogus \" Garnishment. '' Do me a favor, look at the dates and realize that you are trying to collect on a debt from XXXX and all the XXXX Judgements you have received since XXXX. What a joke, this is showing some serious desperation on your company 's part. \n\n2- Explain and show me how you calculated what you say I owe. Over {$2300.00} in made up fraudulent interest charges? Please .... This fraudulent account you are attempting to collect a debt on is against the law and you are violating many, many laws, in place for innocent consumers like myself. \n\n3- Provide me with copies of any original papers that show I agreed to pay what you say I owe. As I will mention several times, we both know you can not. I have never heard of or spoken to anyone from your law firm until today, XX/XX/XXXX. \n\n4- Provide a verification or copy of any judgment if applicable which is legally allowed, not \" renewing '' some fraudulent debt from XXXX of which did not belong to me. We both know you can not do so. \n\n5- Identify the original creditor and legal proof of myself being the owner of this fraudulent account. This will include ALL written, audio or visual legal proof of such. Once again, we both know you can not do so. \n\n6- Prove the Statute of Limitations has not expired on this account in the State of Michigan XXXX It is 6 years in Michigan and only 10 IF and only IF the Consumer agrees at any point that the debt is theirs WITH the proper legal documentation served to the Garnished Indiviual. For the record, I have not and never will agree to pay any fraudulent charged. Yet again, we both know you do not have this information. \n\n7- Show me that your law firm are licensed to collect in the State of Michigan , with the full license # ' s, and I do not care if your law firm is in Michigan or not. Provide these valid numbers with expiration dates along with your State of Michigan Bar #. \n\n8- Provide me with your license numbers and Registered Agent or Agent of Service in the State of Michigan . Also, provide the name of the company, person and or Process Server who LEGALLY served any paperwork. Please do not attempt to say that you delivered or tried to deliver any Notice to my current address, our property is surrounded by cameras recording 24 hours a day, 7 days a week for several years and on a permanent, backed up record and stored in a cloud. Old, outdated addresses are NOT acceptable for proof of delivery. The correct address for proof of delivery to the Garnished Indivual is your company 's RESPONSIBILITY. NOT AN EMPLOYER to serve this notice. \n\n9- Provide me legit and legally admissible proof of any paperwork or judgement that was delivered to me from your law firm to my current address on State of Michigan records. You have not lawfully and legally served me any updated court documents to my address on record BEFORE you processed any garnishment. Like your company did, but is not legal, dropping off a garnishment to an employer WITHOUT the garnished receiving any notice is against the law. You all know better. \n\n10- Provide me original signed documents legally proving that this fraudulent collections account has any legal signature, audio or visual proof of such. We both know you can not do this or provide this information as you have NO access to this information and bottom feeder law firms like your company buy these debts for pennies on the dollar in the hopes you can somehow get a supposed victim of yours to pay anything, but little do most consumers know under FDCPA and FCRA Laws you can not do so. \n\nI will not hesitate to bring legal action against you for the following Violation of the Fair Credit Reporting Act and Violation of the Fair Debt Collection Practices Act including, Defamation of Character. If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist including any garnishment immediately. Also, during this validation period, if any action is taken which could be considered any more detrimental to my financial well being I will surely file suit. \n\nIn addition, please understand that all the phone calls that were made are recorded and I verified and had received permission from the \" Attorney XXXX '' that I spoke to on XX/XX/XXXX. This recording, if necessary, along with the illegal forms your company used to file a garnishment all will be forwarded to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), State of Michigan Attorney General, the XXXX XXXX, the local XXXX XXXX XXXX ( XXXX ) for your business area and in the court system, XXXX District Court XXXX XXXX, Michigan XXXX for a Motion To Set Aside Judgement explaining to the court of this fraudulent and bogus garnishment if it is not stopped immediately. \n\nNext I will file a police report on your company if need be. Also, if necessary, I will file several poor, but true reviews on the internet, including XXXX, XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, and on and on explaining exactly how you are trying to conduct business so I can fairly warn any other potential \" victims '' of this shady practice so they may help themselves before their rights are violated. \n\nI would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment, EXCEPT to my employer removing your fraudulent garnishment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. \n\nAll future communications with me MUST be done in writing and sent to the address noted in this letter by USPS via First Class Registered Mail. It would be advisable that you assure your records are in order before I am forced to take legal action against your company. This is an valid attempt for your law firm to correct your records, any information obtained shall be used for that purpose. \n\nI am hoping your law firm can resolve this immediately and realize the unethical manner of which you are trying to collect on a fraudulent account from 19 years ago. Do the right thing and make this correction immediately. It will save your company, myself and the court system a bunch of wasted time, money and energy. I am a very informed consumer, I know my rights and protections through the FCRA and the FDCA and will use them to my utmost needs and I absolutely refuse to have my rights stomped on by a debt collector doing their best to collect on a FRAUDULENT debt I am totally unaware of almost 2 decades old. \n\n****PLEASE NOTE WEBER , PLC**** COPIES OF THIS LETTER AND ANY AND ALL COMPLAINTS FILED AGAINST YOUR LAW FIRM WITH THE ENTITIES BELOW ARE ON FILE WITH MY ATTORNEY ON RETAINER IF I SO CHOOSE TO EMPLOY HIM IN THE FUTURE IF THIS CAN NOT BE AMICABLY RESOLVED BETWEEN MYSELF AND YOUR COMPANY. THEY ALSO DO CHAPTER XXXX AND XXXX BANKRUPTCY, SO THE GARNISHMENTS WILL STOP ONE WAY OR ANOTHER IMMEDIATELY UPON FILING. \n\nCOPIES OF ALL THE PAPERWORK AND THESE ILLEGAL AND FRAUDULENT \" JUDGEMENTS '' WILL BE FORWARDED TO THE CFPB, FTC, ATTORNEY GENERAL, XXXX   AND ANYONE ELSE NECESSARY TO MAKE THIS RIGHT. \n\nIF YOUR LAW FIRM MAKES THE CORRECT DECISION AND DOES REALIZE THE ILLEGAL AND FRAUDULENT MISTAKE IT IS IN THE PROCESS OF MAKING I WILL VOLUNTARILY REMOVE ANY AND ALL COMPLAINTS AND/OR NEGATIVE REVIEWS FROM THE ENTITIES ABOVE IF IT IS SETTLED CORRECTLY, MY PERSONAL WAGES AND FUNDS ARE RETURNED TO ME AND THIS FRAUDULENT AND BOGUS GARNISHMENT IS REMOVED IMMEDIATELY.","date_sent_to_company":"2018-04-12T20:47:18.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"48101","tags":null,"has_narrative":true,"complaint_id":"2873513","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Weber & Olcese, PLC","date_received":"2018-04-12T19:21:34.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["THEY ALSO DO CHAPTER <em>XXXX</em> AND <em>XXXX</em> <em>BANKRUPTCY</em>, SO THE GARNISHMENTS WILL STOP ONE WAY OR ANOTHER IMMEDIATELY UPON FILING. \n\nCOPIES OF ALL THE PAPERWORK AND THESE <em>ILLEGAL</em> AND FRAUDULENT \" JUDGEMENTS '' WILL BE FORWARDED TO THE CFPB, FTC, ATTORNEY GENERAL, <em>XXXX</em>   AND ANYONE ELSE NECESSARY TO MAKE THIS RIGHT."],"product":["Debt <em>collection</em>"]},"sort":[10.992816,"2873513"]},{"_index":"complaint-public-v1","_id":"2873851","_score":10.977259,"_source":{"product":"Debt collection","complaint_what_happened":"To whom it may concern at the CFPB, I am trying to get immediate help with a Law firm/debt collector that is trying to collect on a fraudulent account supposedly opened on XX/XX/XXXX. Due to this case being a fraudulent credit card account that is almost 20 years old, bought and sold 3 times from the original creditor ( Capital One ) to several Debt Collectors over the past 15 to 17 years, the only way I felt that this would make more sense to you is if I described as best as possible to the best of my knowledge the history of this fraudulent account. \n\nBecause this is a fraudulent account opened so long ago and without my knowledge, it is almost impossible to provide any additional documents or proof of anything besides what this law firm has given me on XX/XX/XXXX when I called and spoke with one of the attorney 's there and recorded with their permission. So, this information is the best I have available for your review. \n\n*The fraudulent account details are below : *Original Creditor - Capital One Bank *Supposed day the account was opened with the original creditor - *Account sold from original creditor to - XXXX XXXX - Date unknown *Account sold again to - XXXX XXXX - Date reported - XX/XX/XXXX *Account sold a 3rd and final time to - XXXX XXXX XXXX , XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI *Supposed Date reported and Judgement filed in XXXX District Court by the above mentioned law firm - XX/XX/XXXX *Date of Notice of Garnishment - XX/XX/XXXX *Total Garnished amount from my paycheck on XX/XX/XXXX - {$570.00} *XXXX District Court Case # - XXXX *Supposed original past due balance - Unknown *Supposed Judgement Amount - {$1800.00} *Supposed interest accrued - {$2300.00} *Supposed amount due now, including interest, fees, etc - {$4100.00} This shady, relentless and unforgiving attorney/debt collector is the 3rd time this fraudulent debt was bought and sold.\n\nLaw Firm/ Debt Collector XXXX XXXX XXXX , XXXX .\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX *Original Fraudulent Account Date - XX/XX/XXXX *Original Fraudulent Account Collections Date - XX/XX/XXXX *2nd Fraudulent Account Account Date - XX/XX/XXXX *Fraudulent Account Judgement Amount - {$1800.00} *Total Fraudulent Judgement Interest Accrued {$2300.00} *Unsatisfied Fraudulent Judgment Amount XXXX *3rd Writ of Garnishment issued on XX/XX/XXXX and was received BY MY EMPLOYER, NOT MYSELF AND AGAINST THE LAW *Fraudulent Garnishment Taken From My Payroll On XX/XX/XXXX in the amount of {$570.00} This letter is being sent to you in response to notices sent to me from your company in regards to a fraudulent account opened in XX/XX/XXXX. Please be advised that this is a refusal to pay and a notice sent to your company pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section.\n\nI respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you, especially forewarning you that this was a fraudulent account. Please provide me with the following immediately : 1- What the money you say I owe is for. I have ZERO knowledge of this fraudulent account until today, XX/XX/XXXX when I received the bogus \" Garnishment. '' Do me a favor, look at the dates and realize that you are trying to collect on a debt from XX/XX/XXXX and all the XXXX Judgements you have received since XX/XX/XXXX. What a joke, this is showing some serious desperation on your company 's part. \n\n2- Explain and show me how you calculated what you say I owe. Over {$2300.00} in made up fraudulent interest charges? Please .... This fraudulent account you are attempting to collect a debt on is against the law and you are violating many, many laws, in place for innocent consumers like myself.\n\n3- Provide me with copies of any original papers that show I agreed to pay what you say I owe. As I will mention several times, we both know you can not. I have never heard of or spoken to anyone from your law firm until today, XX/XX/XXXX. \n\n4- Provide a verification or copy of any judgment if applicable which is legally allowed, not \" renewing '' some fraudulent debt from XX/XX/XXXX of which did not belong to me. We both know you can not do so.\n\n5- Identify the original creditor and legal proof of myself being the owner of this fraudulent account. This will include ALL written, audio or visual legal proof of such. Once again, we both know you can not do so.\n\n6- Prove the Statute of Limitations has not expired on this account in the State of Michigan . It is 6 years in Michigan and only 10 IF and only IF the Consumer agrees at any point that the debt is theirs WITH the proper legal documentation served to the Garnished Indiviual. For the record, I have not and never will agree to pay any fraudulent charged. Yet again, we both know you do not have this information. \n\n7- Show me that your law firm are licensed to collect in the State of Michigan , with the full license # ' s, and I do not care if your law firm is in Michigan or not. Provide these valid numbers with expiration dates along with your State of Michigan Bar #.\n\n8- Provide me with your license numbers and Registered Agent or Agent of Service in the State of Michigan . Also, provide the name of the company, person and or Process Server who LEGALLY served any paperwork. Please do not attempt to say that you delivered or tried to deliver any Notice to my current address, our property is surrounded by cameras recording 24 hours a day, 7 days a week for several years and on a permanent, backed up record and stored in a cloud. Old, outdated addresses are NOT acceptable for proof of delivery. The correct address for proof of delivery to the Garnished Indivual is your company 's RESPONSIBILITY. NOT AN EMPLOYER to serve this notice.\n\n9- Provide me legit and legally admissible proof of any paperwork or judgement that was delivered to me from your law firm to my current address on State of Michigan records. You have not lawfully and legally served me any updated court documents to my address on record BEFORE you processed any garnishment. Like your company did, but is not legal, dropping off a garnishment to an employer WITHOUT the garnished receiving any notice is against the law. You all know better.\n\n10- Provide me original signed documents legally proving that this fraudulent collections account has any legal signature, audio or visual proof of such. We both know you can not do this or provide this information as you have NO access to this information and bottom feeder law firms like your company buy these debts for pennies on the dollar in the hopes you can somehow get a supposed victim of yours to pay anything, but little do most consumers know under FDCPA and FCRA Laws you can not do so. \n\nI will not hesitate to bring legal action against you for the following Violation of the Fair Credit Reporting Act and Violation of the Fair Debt Collection Practices Act including, Defamation of Character. If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist including any garnishment immediately. Also, during this validation period, if any action is taken which could be considered any more detrimental to my financial well being I will surely file suit. \n\nIn addition, please understand that all the phone calls that were made are recorded and I verified and had received permission from the \" Attorney XXXX '' that I spoke to on XX/XX/XXXX. This recording, if necessary, along with the illegal forms your company used to file a garnishment all will be forwarded to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), State of Michigan Attorney General, the Bar Association, the local XXXX XXXX XXXX  ( XXXX ) for your business area and in the court system, XXXX District Court XXXX XXXX, Michigan XXXX for a Motion To Set Aside Judgement explaining to the court of this fraudulent and bogus garnishment if it is not stopped immediately. \n\nNext I will file a police report on your company if need be. Also, if necessary, I will file several poor, but true reviews on the internet, including XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and on and on explaining exactly how you are trying to conduct business so I can fairly warn any other potential \" victims '' of this shady practice so they may help themselves before their rights are violated. \n\nI would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment, EXCEPT to my employer removing your fraudulent garnishment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. \n\nAll future communications with me MUST be done in writing and sent to the address noted in this letter by USPS via First Class Registered Mail. It would be advisable that you assure your records are in order before I am forced to take legal action against your company. This is an valid attempt for your law firm to correct your records, any information obtained shall be used for that purpose.\n\nI am hoping your law firm can resolve this immediately and realize the unethical manner of which you are trying to collect on a fraudulent account from 19 years ago. Do the right thing and make this correction immediately. It will save your company, myself and the court system a bunch of wasted time, money and energy. I am a very informed consumer, I know my rights and protections through the FCRA and the FDCA and will use them to my utmost needs and I absolutely refuse to have my rights stomped on by a debt collector doing their best to collect on a FRAUDULENT debt I am totally unaware of almost 2 decades old.\n\n****PLEASE NOTE XXXX , XXXX COPIES OF THIS LETTER AND ANY AND ALL COMPLAINTS FILED AGAINST YOUR LAW FIRM WITH THE ENTITIES BELOW ARE ON FILE WITH MY ATTORNEY ON RETAINER IF I SO CHOOSE TO EMPLOY HIM IN THE FUTURE IF THIS CAN NOT BE AMICABLY RESOLVED BETWEEN MYSELF AND YOUR COMPANY. THEY ALSO DO CHAPTER XXXX AND XXXX BANKRUPTCY, SO THE GARNISHMENTS WILL STOP ONE WAY OR ANOTHER IMMEDIATELY UPON FILING. \n\nCOPIES OF ALL THE PAPERWORK AND THESE ILLEGAL AND FRAUDULENT \" JUDGEMENTS '' WILL BE FORWARDED TO THE CFPB, FTC, ATTORNEY GENERAL, XXXX  AND ANYONE ELSE NECESSARY TO MAKE THIS RIGHT. \n\nIF YOUR LAW FIRM MAKES THE CORRECT DECISION AND DOES REALIZE THE ILLEGAL AND FRAUDULENT MISTAKE IT IS IN THE PROCESS OF MAKING I WILL VOLUNTARILY REMOVE ANY AND ALL COMPLAINTS AND/OR NEGATIVE REVIEWS FROM THE ENTITIES ABOVE IF IT IS SETTLED CORRECTLY, MY PERSONAL WAGES AND FUNDS ARE RETURNED TO ME AND THIS FRAUDULENT AND BOGUS GARNISHMENT IS REMOVED IMMEDIATELY.","date_sent_to_company":"2018-04-12T20:47:23.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"48101","tags":null,"has_narrative":true,"complaint_id":"2873851","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2018-04-12T20:47:21.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["As I will mention several times, we <em>both</em> know you can not. I have never heard of or spoken to anyone from your law firm until today, XX/XX/<em>XXXX</em>. \n\n4- Provide a verification or copy of any judgment if applicable <em>which</em> is legally allowed, not \" renewing '' some fraudulent debt from XX/XX/<em>XXXX</em> of <em>which</em> did not belong to me. We <em>both</em> know you can not do so.\n\n5- Identify the original creditor and legal proof of myself being the owner of this fraudulent account."],"product":["Debt <em>collection</em>"]},"sort":[10.977259,"2873851"]},{"_index":"complaint-public-v1","_id":"3526591","_score":10.747149,"_source":{"product":"Debt collection","complaint_what_happened":"QWR NOTICE OF ERROR Loan # XXXX Property owner : XXXX XXXX Trustee Property address : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Time Line of fraudulent and possible contemptible actions taken against XXXX XXXX XXXX and the XXXX XXXX XXXX Family trust SUPPORTIVE FACTS : 1. In XX/XX/XXXX XXXX XXXX XXXX as individual and as XXXX XXXX XXXX Trustee for the Family trust filed a chapter XXXX bankruptcy case # XXXX. \n\nFACT : In XX/XX/XXXX I notified Shellpoint / XXXX of the violations of the previous loan service company such as demanding debt that because of the Chapter XXXX case XXXX was filed was not owed and was prohibited by the Bankruptcy court to be pursued in any way. \n\nFACT : Per a CFPB complaint response letter I received on XX/XX/XXXX escalation case # XXXX. Shellpoint states there was a unpaid principle balance on my loan to in the amount of {$44000.00}. Shellpoint then states in the same letter the total amount due on the loan is {$41000.00} which shellpoint list in their response includes monthly installment payments and late fees totaling {$19000.00}. Then Shellpoint adds to the balance of the loan legal fees in the amount of {$20000.00}. Then Shellpoint issues a Payoff statement in the amount of {$88000.00} and files a foreclosure action. \n\nFACT : The loan History Summary submitted as part of Shellpoints CFPB response letter dated XX/XX/XXXX list the loan principle balance at the time of the loan transfer as {$45000.00} on XX/XX/XXXX showing a certified mail distribution cost of {$7.00}. \n\nFACT : Shellpoint sent me a copy of a prior loan service history which list only Shellpoint on the report but a prior loan ID # XXXX. This report lists a dollar amount of {$19000.00} as a RESTRICTED CORPORATE ADVANCE ADJUSTMENT. \n\nFACT : NewRez LLC DBA Shellpoint Mortgage service dated XX/XX/XXXX with a time date stamp of XXXX XXXX. The statement list a XXXX XXXX in the amount of {$19000.00} and a principle only cramdown amount in the amount of {$19000.00} showing a principle balance on the loan in the amount of {$45000.00} with a due date of XX/XX/XXXX. Shellpoint sent me a payoff letter dated XX/XX/XXXX showing a balance due of {$100000.00} one month before the sale of the property. \n\n\n\nTIME LINE ORDER OF BANKRUPTCY CODE VIOLATIONS COMMITTED BY SHELLPOINT IF BROUGHT INTO BANKRUPTCY COURT COULD EACH BE A CONTEMPT CHARGE. \n\n1. The loan service company placing a Deferred balance on the monthly statements that was the cramdown debt plus XXXX XXXX from the Chapter XXXX case as a amount still owed. \n\n2. On XX/XX/XXXX PayOff statement listing FEES due in the amount of {$21000.00} due in order for the loan to be paid off.\n\n3. On XX/XX/XXXX PayOff statement listing FEES due in the amount of {$29000.00} at which {$19000.00} listed as XXXX XXXX in the Fees breakdown page of the PayOff statement. This amount as listed above was shown as a RESTRICTED COR\n\nPORATE ADVANCE ADJUSTMENT not allowed to be pursed per the bankruptcy code. 4.\nIn XX/XX/XXXX though a CFPB complaint response letter Shellpoint confirmed that the amount in the payoffs were correct going as far as stating that is what I owe which the payoff included cramdown debt and XXXX XXXX. Shellpoint ignored my last plea in the CFPB complaint to stop the foreclosure sale that was to take place in XX/XX/XXXX on  my property. \n\n\n\nACTIONS TAKEN BY SHELLPOINTS ATTORNEY AND PSO IN XXXX COUNTY COMMON PLEAS COURT THAT LEAVE QUESTIONABLE ACTIONS TAKEN BY BOTH XXXX XXXX  AND THE PSO SELLER XXXX XXXX IN REGARDS TO THE SELLING OF THE PROPERTY FOR THE COURTS IN THE FORECLOSURE SALE ON XXXX. \n\n1. In case # XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX requested a PSO seller XXXX XXXX to be allowed to sell the defendants property. The motion was granted by the courts. \n\n2. On XX/XX/XXXX the property was placed on the XXXX website to be sold. Note I was a registered bidder on the site and the auction results for the property was that there was no bids on the property.\n\n3. On XX/XX/XXXX XXXX XXXX of XXXX XXXX  and XXXX XXXX filed a sales report with the XXXX County Common Pleas court that the property sold to XXXX during the auction that took place on XX/XX/XXXX. \n\n4. XXXX XXXX as the attorney of record for the investor XXXX did not bid on the property nor did any attorney bid on the property in XX/XX/XXXX for XXXX but the FALSE sale was structured in the sales paperwork submitted by XXXX XXXX and XXXX XXXX that XXXX purchased the property but instructed the courts to place the property into another investors name XXXX which again to be clear never bided on the property. \n\n5. I notified XXXX XXXX of the fraudulent sale and was ignored by the law firm. At one point I called the investor on file who the auctioneer XXXX XXXX listed as the bidder on the property the person was not available because that person had quit the company according to the XXXX in profile. I was instructed to contact a woman on the answer machine I did and left a message. I was contacted by XXXX XXXX within minutes of my call being told not to contact them again and to keep my noise on my face. \n\n6. My Tenants were immediately being harassed by a real-estate agent with XXXX XXXX that the investor hired to empty out the building. XXXX XXXX went to the property and told my tenants that the property was sold at the auction in XXXX and that they should not pay me rent and prepare to move out. She even gave my tenants a move packet. NOTE MY RENT STOPPED. \n\n7. I contacted XXXX XXXX and informed her to keep off my property the deed was still in my name and she was trespassing and was also committing a violation of the Real-estate code of ethics by harassing my tenants and telling them not to pay rent. \n\n8. Shortly after that XXXX XXXX  informed me that I should not contact her anymore and did not have rights to the property it was REO at that time the deed was being pursued for confirmation by XXXX XXXX and XXXX XXXX to fraudulently acquire title to evict my tenants. \n\n9. The confirmation went though regardless of my protest. In XX/XX/XXXXone of my attorneys filed a appeal with the courts and another lawyer contest the confirmation of the deed stating that the sale did not happen. \n\n10. The appeals court sided with the investor that the sale was valid but did not have any supporting evidence from me to prove my case.\n\n11. On XX/XX/XXXX the XXXX County Common pleas court had a hearing to decide if the sale was valid or not. I present undisputed evidence that the sale did not happen and the Judge had no choice but to vacate the sale and return my property. \n\n\n\nDAMAGES from the fraudulent actions of XXXX XXXX and XXXX XXXX 1.Loss of  Rents in the amount of {$1200.00} per month since the property has been vacated. {$15000.00} in loss of rents. \n\n2. Attorney fees and cost from my defense trying to stop the investor from collection of debt that was not owed to the investor and per the bankruptcy code was uncollectable by the investor from XX/XX/XXXX to XX/XX/XXXX. {$25000.00} 3. Attorney fees and cost for my defense from the fraudulent sale submitted by XXXX XXXX and XXXX XXXX. {$5000.00} 4. Damages to the property after sitting empty for one year because of the fraudulent sale removing my tenants and allowing the property to be occupied by homeless squatters though out the year. {$30000.00} Property damage to wiring and plumbing removal by squatters. \n\nBroken windows and kicked in doors. \n\nDamaged decks and siding due to storm damage while the property was vacant. {$15000.00} ESTIMATED DAMAGES AS OF XX/XX/XXXX {$60000.00} The estimate is NOT exact I reserve the right to change as needed as the investor prolongs the settlement of the improper and illegal actions performed by the investors staff. Shellpoint, XXXX XXXX and XXXX XXXX. \n\nI FIND THE LACK OF ACTION TAKEN BY THE COURTS VERY DISGUSTING THAT LAWYER XXXX XXXX AND AUCTIONEER XXXX XXXX ACTIONS THAT WERE TAKEN TO DECEIVE THE COURTS IN THE SALE PROCESS ATTACHED TO THE COURT ORDERED FORECLOSURE SALE HAVE NOT BEEN INVESTIGATED BY THE XXXX COUNTY SHERIFF 'S DEPARTMENT OR THE OHIO ATTORNEY GENERAL OFFICE. \n\nTHIS MIGHT BE BECAUSE THEY HAVE POSSIBLY COMMITTED THIS ACTION ON MANY OTHER SALES OVER THE PAST 3 YEARS THAT PSO SELLERS WERE ALLOWED TO WORK IN THE SALES PROCESS OF THE COURTS AND THE COURTS MIGHT BE TRYING NOT TO ALLOW THIS TO BLOW UP INTO A MULTIPLE CLASS ACTION LAWSUIT.","date_sent_to_company":"2020-02-24T13:41:31.000Z","issue":"False statements or representation","sub_product":"Mortgage debt","zip_code":"45042","tags":null,"has_narrative":true,"complaint_id":"3526591","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2020-02-10T04:34:30.000Z","state":"OH","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Attorney fees and cost from my defense trying to stop the investor from <em>collection</em> of debt that was not owed to the investor and per the <em>bankruptcy</em> code was uncollectable by the investor from XX/XX/<em>XXXX</em> to XX/XX/<em>XXXX</em>. {$25000.00} 3. Attorney fees and cost for my defense from the fraudulent sale submitted by <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em> <em>XXXX</em>. {$5000.00} 4."],"product":["Debt <em>collection</em>"]},"sort":[10.747149,"3526591"]},{"_index":"complaint-public-v1","_id":"4806594","_score":10.332655,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX I received a full discharge of debts via Chapter XXXX Bankruptcy. See Bankruptcy Discharge Order, XXXX XXXX. XXXX. However, Navient, a creditor has refused to acknowledge the discharge of the debts and continues to report the discharged accounts as open as well as illegally engage in collection activities. It was determined that the private loan debts associated with Navient do not qualify as non-dischargeable, and thus did not require an adversary proceeding for discharge, therefore making them included in the general discharge order. \n\nThe two statutes that dictate dischargeability are 11 U.S.C. 523 ( a ) ( 8 ) ( A ) and 11 U.S.C. 523 ( a ) ( 8 ) ( B ). Navient has already affirmed the loans do not fit the requirements under 11 U.S.C. 523 ( a ) ( 8 ) ( A ) and that they do not have information to prove or show cause that the loans fit under 11 U.S.C. 523 ( a ) ( 8 ) ( B ).\n\nIt is important to note that this complaint is not an argument that the loans should be discharged. This complaint is to assert the fact that the discharge already happened and Navient refuses to comply with the legal discharge order. \n\nThe exact language of statutes being referred to throughout this complaint are written below as a reference - 11 U.S.C. 523 ( a ) ( 8 ) states : ( a ) A discharge under section 727, 1141, 1192 [ 1 ] 1228 ( a ), 1228 ( b ), or 1328 ( b ) of this title does not discharge an individual debtor from any debt ( 8 ) unless excepting such debt from discharge under this paragraph would impose an undue hardship on the debtor and the debtors dependents, for ( A ) ( i ) an educational benefit overpayment or loan made, insured, or guaranteed by a governmental unit, or made under any program funded in whole or in part by a governmental unit or nonprofit institution ; or ( ii ) an obligation to repay funds received as an educational benefit, scholarship, or stipend ; or ( B ) any other educational loan that is a qualified education loan, as defined in section 221 ( d ) ( 1 ) of the Internal Revenue Code of 1986, incurred by a debtor who is an individual ; As referenced by 11 U.S.C. 523 ( a ) ( 8 ) ( B ) - section 221 ( d ) ( 1 ) of the Internal Revenue Code of 1986 states : ( d ) Definitions For purposes of this section ( 1 ) Qualified education loan : The term qualified education loan means any indebtedness incurred by the taxpayer solely to pay qualified higher education expenses RE : 11 U.S.C. 523 ( a ) ( 8 ) ( A ) The loans are not considered an educational benefit per the most recent ruling by the United States Court of Appeals for the Second Circuit which stated The defining characteristic of a loan, by contrast, is an unconditional obligation to pay it back. Interpreting educational benefit to cover all private student loans when the two terms listed in tandem describe specific and quite limited kinds of payments that... do not usually require repayment, In re Crocker, 941 F.3d at 220, would improperly broaden 523 ( a ) ( 8 ) ( A ) ( ii ) s scope. Homaidan v. SLM Corp. ( In re Homaidan ), 596 B.R. 86 ( Bankr. E.D.N.Y. 2019 ). As such, they would not be exempt from the general discharge order. In fact, Navient agreed with and recognized this fact in an email from their Customer Advocate, XXXX XXXX and both her Supervisor, XXXX XXXX, and Navients Associate General Counsel, XXXX XXXX, conceded to this fact. Yet, they still have not removed me from the account nor updated the credit bureaus ; and persist with unlawful collection attempts. \n\nIn prior communication with Navient, Navient already agreed and stated that the private loans associated with Account # XXXX \" do not meet the criteria for non-dischargeability under 11 U.S.C. 523 ( a ) ( 8 ) ( A ) ( ii ) '' [ a direct quote from Navient ]. See Navient Response Email dated XX/XX/XXXX. Thus, the loans did not require additional action beyond the general discharge i.e., did not require an adversary proceeding. As a result, the loans were included in the general discharge ordered on XX/XX/XXXX ; and are to be recognized as discharged which requires Navient to remove my name from the account and update the credit bureaus accordingly.\n\nRE : 11 U.S.C. 523 ( a ) ( 8 ) ( B ) It also has already been confirmed that the loans also did not meet the criteria for non-dischargeability under 11 U.S.C. 523 ( a ) ( 8 ) ( B ) as they do not meet the definition of a \" qualified education loan '' as defined in section 221 ( d ) ( 1 ) of the Internal Revenue Code of 1986 ; because \" Navient would not have information regarding how the proceeds were applied '' [ a direct quote from Navient ] and thus Navient can not factually assert that they were used \" solely '' for qualified education expenses. See Navient Response Email dated XX/XX/2021. To be clear, if even one ( 1 ) cent of any loan is used for anything other than a qualified education expense, that means it was not \" solely '' used for qualified education expenses and as such it can not be deemed a \" qualified education loan '' per section 221 ( d ) ( 1 ) of the Internal Revenue Code of 1986. I have already affirmed and informed Navient that the loans were not \" solely '' used for qualified education expenses, and Navient conceded that they have no evidence to the contrary. Thus, the private loans associated with my Navient account failed to meet the criteria for non-dischargeability that would require an adversary proceeding, and as a result were included in the general discharge order. \n\nIn fact, when presenting this information to Navients Associate General Counsel, XXXX XXXX, he did not argue against or challenge the fact that the loans were not used solely for qualified education expenses. Furthermore, he inaccurately stated that the loans \" are non-dischargeable in bankruptcy because they were certified by XXXX XXXX  as being within the total costs of your attendance '', and related this to the term \" qualified education loans, as that term is defined in 221 ( d ) ( 1 ) of the Internal Revenue Code ''. See Navient Response Letter dated XX/XX/XXXX. However, this attribution is wrong and misleading- the language in the statute is very specific and narrow ; and makes it clear that a certification by the university as to the cost of attendance is not what makes a loan a \" qualified education loan ''. Thus, Navient is not arguing or asserting that the loans were used solely for qualified education expenses which is the requirement under 11 U.S.C. 523 ( a ) ( 8 ) ( B ).\n\nIn this complaint, I provided the exact language from the statute and it is explicit in that it states the indebtedness must be \" incurred by the taxpayer solely to pay qualified higher education expenses ''. XXXX XXXX XXXX certification of the cost of attendance does not certify that the funds were incurred \" solely to pay qualified higher education expenses ''. It is a gross misrepresentation of facts by Navient to state that this in any way certifies the purpose of the loan- as it is clear the university only certified the amount of the loan as it compares to the cost of attendance, not the purpose of the loans. In fact, by Navients own assertion, \" the stated purpose of your Loans, and not the ultimate use of proceeds, is what controls dischargeability under Bankruptcy Code 523 ( a ) ( 8 ) ''. See Navient Response Letter dated XX/XX/XXXX. As such, neither the university nor I certified the stated purpose of the Loans. Thus, the loans do not fall into the purview of 11 U.S.C. 523 ( a ) ( 8 ) ( B ), and therefore they do not fit the definition of 'non-dischargeable ', and as such, were included as part of the general discharge order related to my bankruptcy proceeding. To reiterate, the loan amounts falling within the total cost of attendance does not indicate nor serve as proof that they were incurred solely for qualified higher education expenses. \n\nFurthermore, the promissory agreement signed for the Loans concedes that the Loans may be incurred for and consist of \" funds that can not reasonably be attributed to meeting the education expense of the student borrower related to attendance at the School ''. See Sallie Mae Promissory Note XXXX. In addition, the School Certification section of the loan applications simply state \" the Total Certified Amount does not exceed the student 's cost of attendance ''. See Sallie Mae Promissory Note XXXX. XXXX XXXX  did not in any way certify the stated purpose of the loan - which by Navients own assertion, the stated purpose of the loan is what courts have used to interpret 221 ( d ) ( 1 ) of the Internal Revenue Code, and represents Navient 's position. To reiterate, a stated purpose would have to be explicit in stating that the loans were incurred solely and only for qualified education expenses not simply that they may be used for those expense but that they would only be used for those qualified expenses. Thus, by Navients own assertion - since there is an absence of the stated purpose of the loan, the Loans would qualify as being included in the general discharge ordered on XX/XX/XXXX. \n\nXXXX XXXX, on behalf of Navient, stated that the sole and only reason for Navients refusal to recognize the discharge is that, XXXX XXXX certification that your Loans were used to pay for the cost of attendance controls. Thats their stated purpose. See Navient Email Dated XX/XX/XXXX. However, this assertion is undeniably false. XXXX XXXX  directly disagreed with and contradicted XXXX XXXX statement that characterized their certification process. How can XXXX XXXX, on behalf of Navient, stand by this false assertion and refuse to acknowledge the legal discharge when the certifying entity in question, XXXX XXXX, has confirmed that their certification does not provide or verify a stated purpose? \n\nAttached to this complaint is email from XXXX XXXX  confirming that their certification process does not verify, assert, and is not any way related to the stated purpose of the loans nor the usage of the proceeds. Per XXXX XXXX Financial Aid Office, \" Certification '' is the name of the process in which a financial aid counselor at a school verifies the amount of a loan a student is eligible to receive with the loan provider. A student is eligible for a loan if they are credit approved by the loan provider and the amount requested fits within the student 's Cost of Attendance budget for the year. See XXXX  XXXX  Email dated XX/XX/XXXX. \n\n\nConclusion : There are only two things that could have made the loans ineligible for discharge - and these loans fit neither of those requirements. Navient has already agreed that the loans do not meet the definition of educational benefit as defined by recent court rulings. Navient has also agreed that there is no evidence to show that the loans were used solely for qualified education expenses. XXXX XXXX  has also confirmed that their certification process does not verify, allude to, confirm, or in any way represent the stated purpose of the loans. Thus, all attendant facts that show that the loans were not exempt from discharge and also did not fit the criteria of qualified educational loans. \n\nIt is abundantly clear that the private loans associated with Navient account were discharged via the general discharge ordered on XX/XX/XXXX. However, Navient refuses to comply with the discharge order. \n\nFurthermore, to avoid correcting their errors, XXXX XXXX has explicitly stated that Navient will not engage with me about my account, which boldly and unabashedly violates my consumer rights. He has also insinuated that obtaining an attorney is the only way that they will communicate with me about the debts. The seriousness of an attorney, unlicensed in my home state and representing the creditor at the highest level, withholding my account information unless I follow his inappropriate and unsolicited legal advice can not be understated. This is a result of their efforts to illegally collect on loans that have been discharged and to proceed with illegally reporting them as active. \n\nThis is not an opinion or dispute ; it is a matter of law and facts that Navient has blatantly decided to disregard. \n\nThank you, XXXX XXXX","date_sent_to_company":"2021-10-13T21:06:01.000Z","issue":"Attempts to collect debt not owed","sub_product":"Private student loan debt","zip_code":"97062","tags":null,"has_narrative":true,"complaint_id":"4806594","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2021-10-13T20:56:56.000Z","state":"OR","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em> I received a full discharge of debts via Chapter <em>XXXX</em> <em>Bankruptcy</em>. See <em>Bankruptcy</em> Discharge Order, <em>XXXX</em> <em>XXXX</em>. <em>XXXX</em>. However, Navient, a creditor has refused to acknowledge the discharge of the debts and continues to report the discharged accounts as open as well as <em>illegally</em> engage in <em>collection</em> activities."],"product":["Debt <em>collection</em>"],"sub_issue":["Debt was already discharged in <em>bankruptcy</em> and is no longer owed"]},"sort":[10.332655,"4806594"]},{"_index":"complaint-public-v1","_id":"7745457","_score":8.874375,"_source":{"product":"Debt collection","complaint_what_happened":"To : Consumer Financial Protection Bureau XX/XX/XXXX RE CFPB Case # XXXX Rebuttal /Amended Complaint to Response by Specialized Loan Servicing LLC XXXX XX/XX/XXXX The received response letter ( XX/XX/XXXX ) from Specialized Loan Servicing, XXXX ( XXXX ) is filled with false statements, traceable violations of CFPB rules and regulation and misrepresentation of actual facts. We are still studying the financial records but wish to renew a complaint of consumer abuses by Specialized Loan Servicing, LLC, prior abuses by loan servicer XXXX XXXXXXXX XXXX XXXXXXXX. and corporations SLS identified as creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX and and trustee XXXX XXXX XXXXXXXX XXXX as the foundation of their rights to debt collection. \nA. SLS ' False Facts Regarding Property Insurance : On or about XX/XX/XXXX Specialized Loan Servicing, LLC ( SLS ) contacted our insurance carrier and directed them to disallow us to make insurance payments directly. In their response to the above complaint [ Case # XXXX ] SLS ' admits a single record of contact [ ing ] made to the insurance company [ XXXX ] XXXX on XX/XX/XXXX. This is false. XXXX provided a special notice to us on XX/XX/XXXX letting us know we were : no longer listed as the payer for this policy. As a result, future bills will be sent to the designated payer i.e. your mortgage company. [ Attached as Exhibit XXXX is that notice from insurance company, XXXX dated XX/XX/XXXX. ] The date of SLS ' records of contact and the outcome of their action ( XXXX ) are a misrepresentation of facts in SLS ' XX/XX/XXXX response. This was an attempt by SLS to pile additional bogus charges to our mortgage. We have always paid our own home insurance, and have ample evidence of that fact. \nB. Deed of Trust ( DOT ) Submitted by Specialized Loan Servicing Specialized Loan Servicing offers the DOT as one of its foundation for their money claims. However there is a major problem with that for SLS. In XXXX, XXXX we discovered the DOT was a materially altered document. XXXXXXXX XXXX XXXXXXXX recorded in ( XXXX, XX/XX/XXXX [ attached first page Exhibit 2 ] ) an extra page titled DESCRIPTION ( SLS Response page XXXX/XXXX ) which adds ( after the fact ) an extra 3,600 Square Foot parcel of vacant land ( XXXX No. XXXX ) to the security.i SLS ' submitted, altered loan contract is void. \nXXXX There Never Was a Forbearance Agreement On page XXXX/XXXX of SLS 's response they claim there were forbearance processes from XXXX and XXXX. This is a misrepresentation of the facts by SLS. In a state trial for injunctive relief from a threatened nonjudicial foreclosure sale, XXXX XXXXXXXX XXXX XXXXXXXX. admitted ( XX/XX/XXXX ) there never was an executed forbearance agreement.ii XXXX XXXXXXXX XXXX XXXXXXXX. using an alias of XXXX 's XXXX XXXX ( XXXX ) had attempted a foreclosure based on claimed bogus piled-on insurance and property tax payments which were challenged first in qualified written requests then in a state complaint. Under the guise of XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX  ) had attempted to engage us in a repayment agreement for amounts that had no basis. When we refused to agree to bogus charges with no substantiation, XXXX XXXX XXXX nonjudicial foreclosure sale in XXXX. On their own, XXXX XXXX XXXX foreclosure sale filing a Notice of Rescission of the Notice of XXXX and Notice XXXX XXXX XXXX XXXX XXXX ) recorded at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX foreclosure attempts have used bogus charges, diversion of payments for their own use and false statement of fact ( as Specialized Loan Servicing, LLC is now doing ). Each of these attempts have been illegal and terminated via Notices of Rescission. Another example of abuse. \nXXXX Promissory Note /Adjustable Rate Rider : The promissory note and adjustable rate rider are subject to law as found in Note 6 [ SLS 's response page XXXX/XXXX ] and DOT XXXX. In both documents, changes in interest rates are required to comply with state and federal laws. In this case California Civil Code 1916.5 supersedes the loan terms for interest adjustment. In their response, SLS referenced the Note and Deed of Trust language, but refuses to comply with the commitment to follow the laws and rules of California or Federal Rules as they have been determined by law. iii E. Unauthorized Charges In the response periodic statement for amount due XX/XX/XXXX SLS still shows it charged our mortgage account periodic unauthorized fees now totaling {$69000.00} in year to date Fees/ Charges/ Optional Product. ( See page XXXX of XXXX ' response. ) These charges are contrary to the Bankruptcy closing records showing amount outstanding as {$0.00} See attached Exhibit XXXX : Form XXXX filed XX/XX/XXXX by SLS ' attorney : XXXX XXXX. \nAnother example is, Specialized Loan Servicing, LLC received a mortgage payment cashiers ' check # XXXX on XX/XX/XXXX per signed return receipt USPS XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$22000.00}. Specialized Loan Servicing, LLC did not record receipt until XX/XX/XXXX as Single Item Receipt but placed the funds in Unapplied Funds keeping this money for itself and never crediting at any time towards principal or interest. The alleged principal balance both before and after this XX/XX/XXXX payment stayed unchanged at {$350000.00} ( XXXX ' XXXX pages XXXX XXXX copy of check and signed receipt attached as Exhibit XXXX. \nConclusion/Request for Help What we have seen from XXXX XXXXXXXX XXXX XXXX XXXXXXXX. and Specialized Loan Servicing, LLC 's responses to our multiple ( 16 ) qualified written requests are poorly organized, contradicting financial reporting, misapplication of payments when received and what appears are, to our knowledge, illegal diverting our mortgage payments for their own use and profits. SLS presents their financial information in a manner that does not follow generally accepted accounting practices. \nAs an example in response to some qualified written requests SLS admits to taking a mortage payment of {$7900.00} and reversed off the account on XX/XX/XXXX ( See letter XX/XX/XXXX attached as Exhibit 5 ) ( SLS response page XXXX/XXXX ) But, SLS never credited this payment to reduce principal or pay interest. Instead, XXXX increased the outstanding principal balance after receipt of the payment. \nAnother example is XXXX fraudulent late charges, each for {$990.00} on XX/XX/XXXX ( XXXX Response pages XXXX ) and a bogus charge of {$99000.00} ( Fee Billed ) on XX/XX/XXXX ( XXXX Response page XXXX/XXXX, see also Exhibit XXXX ledger page XXXX ). SLS and XXXX XXXXXXXX XXXX XXXXXXXX. refuse to provide any substantiating proof of those charges or explanation of where the money has disappeared to ( though corporate criminality is certainly a possibility. ) We have excellent and accurate evidence of our payments made. Each month we send a certified check via USPS tracked mail with signed returned receipt. We know when SLS receives each check and when they cash it ( or hold it and illegally charge late fees. ) We suffer financially as principal is not reduced when payments are diverted to SLS ' own accounts and interest charges are based on inflated outstanding loan balances. In addition when interest rates are illegally inflated by failure to adhere to California laws, we are forced to pay extra amounts each month. \nWe believe you know that XXXX XXXXXXXX XXXX XXXXXXXX. and Specialized Loan Servicing, LLC ( alter ego of XXXX XXXX ) have miserable reputations and numerous complaints against them. We have been dealing with this abuse and incessant criminal actions for years. At this point it could legally be called elder abuse! We seek guidance and assistance from CFPB in stopping the loan servicer abuses SLS makes for their own gain and on behalf of trustee XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( SLS ' response page XXXX/XXXX. ). \nWe will diligently address all XXXX pages of SLS ' response and bring CFPB up to date as soon as possible. However these financial records are presented in a difficult and obscure manner which it seems is to purposefully obfuscate the information. \nThank you in advance for any help you can offer in bringing SLS and its cohorts to stop their fiscal past and present white collar shakedown. \n\n\n\nXXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-10-23T18:52:19.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"94801","tags":"Older American","has_narrative":true,"complaint_id":"7745457","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2023-10-23T18:27:20.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Unauthorized Charges In the response periodic statement for amount due XX/XX/<em>XXXX</em> SLS still shows it charged our mortgage account periodic unauthorized fees now <em>totaling</em> {$69000.00} in year to date Fees/ Charges/ Optional Product. ( See page <em>XXXX</em> of <em>XXXX</em> ' response. ) These charges are contrary to the <em>Bankruptcy</em> closing records showing amount outstanding as {$0.00} See attached Exhibit <em>XXXX</em> : Form <em>XXXX</em> filed XX/XX/<em>XXXX</em> by SLS ' attorney : <em>XXXX</em> <em>XXXX</em>."],"product":["Debt <em>collection</em>"]},"sort":[8.874375,"7745457"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":53,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":53}]}},"product":{"doc_count":53,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage debt","doc_count":7},{"key":"Credit card debt","doc_count":4},{"key":"Medical debt","doc_count":2},{"key":"Other debt","doc_count":1},{"key":"Private student loan 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