{"took":468,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":22,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2892636","_score":27.716867,"_source":{"product":"Checking or savings account","complaint_what_happened":"Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Checking or savings account Issue : Problem with a lender or other company charging your account The bank has not mailed me a check as promised since last week. The bank has shorted the amount to be refunded to me by {$45.00} and {$68.00}. These charges are bank issued charges for NSFs caused by unauthorized transactions. The promised money order for {$72.00} has not been received. The total amount to be refunded should be {$180.00} Please make a sincere effort to resolve this issue. \nRespectfully, XXXX XXXX and XXXX XXXX","date_sent_to_company":"2018-05-03T18:34:03.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"85017","tags":"Servicemember","has_narrative":true,"complaint_id":"2892636","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"FIRSTBANK","date_received":"2018-05-01T19:03:29.000Z","state":"AZ","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : <em>Checking</em> or <em>savings</em> <em>account</em> Issue : <em>Problem</em> with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em> The bank has not mailed me a <em>check</em> as promised since last week. The bank has shorted the amount to be refunded to me by {$45.00} and {$68.00}. These <em>charges</em> are bank issued <em>charges</em> for NSFs caused by unauthorized transactions. The promised money order for {$72.00} has not been received."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["<em>Problem</em> with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[27.716867,"2892636"]},{"_index":"complaint-public-v1","_id":"5117757","_score":25.36034,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"While in XXXX a restaurant used my credit card for over XXXX dollars. This is a continuation of : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Checking or savings account ISSUE Problem with a lender or other company charging your account I have submitted documentation to all of my accounts and awaiting responses from XXXX, XXXX XXXX XXXX XXXX and Chase. It is utterly impossible and have retained a lawyer ( XXXX ) as well as filed a police report about the theft. I have contacted Chase in an effort to clear this up. As a result of this theft BOTH of my credit cards with Chase and XXXX have been closed due to my credit score going from XXXX to XXXX as explained to me by a representative of XXXX XXXX.","date_sent_to_company":"2022-01-17T22:29:31.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"10011","tags":null,"has_narrative":true,"complaint_id":"5117757","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-01-17T22:21:03.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["This is a continuation of : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT <em>Checking</em> or <em>savings</em> <em>account</em> ISSUE <em>Problem</em> with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em> I have submitted documentation to all of my <em>accounts</em> and awaiting responses from XXXX, XXXX XXXX XXXX XXXX and Chase. It is utterly impossible and have retained a lawyer ( XXXX ) as well as filed a police report about the theft. I have contacted Chase in an effort to clear this up."],"issue":["<em>Problem</em> with a purchase shown on <em>your</em> statement"],"sub_product":["General-purpose credit card or <em>charge</em> card"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on <em>your</em> statement"]},"sort":[25.36034,"5117757"]},{"_index":"complaint-public-v1","_id":"10101589","_score":21.110035,"_source":{"product":"Checking or savings account","complaint_what_happened":"DELAY DELAY DELAY - No End in SIGHT A resolution to this matter has been pursued since XXXX. My company small disadvantaged business has suffers surmountable financial damages to the point of having to go out of business. Below is a copy of the latest complaint for recent insight to this ongoing matter as a brief description concerning this matter would be far to lengthy to describe here via this complaint. \nXXXXXXXX COPY XXXX complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Checking or savings account ISSUE Problem with a lender or other company charging your account We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT I received a letter from Wells Fargo dated XX/XX/XXXX, which after reading it indicated that Wells Fargo Bank has provided false and defamatory information to me as a consumer which calls for a third party financial XXXX and XXXX XXXX XXXX XXXX to investigate this issue. The XXXX would confirm that in fact XXXX of its Banks employees secretly opened accounts using my business and personal information, and was in turn fired for his action. Moreover, a fair and honest assessment of consumer damages must be discussed in order to cover damages, caused to my business and me personally. Previous Correspondence : Wells Fargo state that \" We hold all of our employees to the highest possible standards of ethics and business conduct and expect them to comply with all applicable laws, rules, and business regulations. '' However, the original complaint concerning breach of the business account came in XXXX whereby the employee was terminated, but Wells Fargo to date have not investigated financial hardship of the damage to the business credit from the breach not sought to contact the company concerning the matter. The employee who assisted with opening the business checking account at the XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX branch location. Records must show the circumstances of the breach of the account and the actions taken. If not this is another violation that should be thoroughly investigated for accuracy and other violations. Incorrect : Our Firm does not and have not opened a Business Market Rate Savings account ending in XXXX opened on XX/XX/XXXX, and closed on XX/XX/XXXX, due to no customer-initiated activity for XXXX days. Wells Fargo should acknowledge and revisit the employee 's breach of the business account back in XXXX, and seek to make the company hole from the damage of business stability for function financially from the damage of actions of that employee who was terminated because of the unauthorized breach of the business account in addition to the aftermaths of pre-mature overdraft protection charges stemming from such damages to date.. This is a continuing issue by Wells Fargo stemming from XX/XX/XXXX, perhaps the company 's most notorious scandal, Wells Fargo employees were caught creating millions of savings and checking accounts for customers without their knowledge or approval after being pushed by their superiors to cross-sell products.","date_sent_to_company":"2024-09-12T15:05:52.000Z","issue":"Opening an account","sub_product":"Other banking product or service","zip_code":"30349","tags":"Older American","has_narrative":true,"complaint_id":"10101589","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-09-12T14:29:46.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["XXXXXXXX COPY XXXX complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT <em>Checking</em> or <em>savings</em> <em>account</em> ISSUE <em>Problem</em> with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em> We received <em>your</em> complaint. Thank you. \nWe will review <em>your</em> complaint."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Opening an <em>account</em>"],"sub_product":["<em>Other</em> banking product or service"],"sub_issue":["<em>Account</em> opened without my consent or knowledge"]},"sort":[21.110035,"10101589"]},{"_index":"complaint-public-v1","_id":"20334999","_score":20.675415,"_source":{"product":"Checking or savings account","complaint_what_happened":"Product : Checking or Savings Account Issue : Problem with a lender or other company charging your account Company : Navy Federal Credit Union Complaint : I am filing a complaint regarding an unauthorized withdrawal ( Savings Adjustment Debit ) in the amount of {$2000.00} taken from my account on XX/XX/year>, immediately after my federal tax refund was deposited. \n\nThis action was taken by Navy Federal Credit Union without prior notice or a clear explanation at the time of withdrawal, causing immediate financial hardship and preventing me from covering essential living expenses. \n\nThe funds appear to have been applied toward an alleged debt that is over XXXX years old. I dispute the validity, enforceability, and amount of this debt. Due to the age of the account, it may be beyond the applicable statute of limitations, and I question whether Navy Federal Credit Union has the legal authority to enforce collection through account offset in this manner. \n\nAdditionally, I have not been provided with sufficient documentation to validate : - That Navy Federal Credit Union currently owns the debt - That the amount collected is accurate - That I agreed to the specific terms allowing this type of offset under these circumstances I am requesting : 1. Full validation of the alleged debt, including account history and ownership 2. A copy of the agreement authorizing this offset 3. A detailed explanation of how the amount of {$2000.00} was calculated 4. A review of this action due to financial hardship and consideration of a full or partial refund This situation has caused significant financial distress, and I am seeking a fair resolution. \n\nI expect a timely and thorough response to this complaint. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-03-17T15:48:40.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Savings account","zip_code":"28216","tags":"Servicemember","has_narrative":true,"complaint_id":"20334999","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-03-17T15:33:56.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Product : <em>Checking</em> or <em>Savings</em> <em>Account</em> Issue : <em>Problem</em> with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em> Company : Navy Federal Credit Union Complaint : I am filing a complaint regarding an unauthorized withdrawal ( <em>Savings</em> Adjustment Debit ) in the amount of {$2000.00} taken from my <em>account</em> on XX/XX/year>, immediately after my federal tax refund was deposited."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["<em>Problem</em> with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["<em>Savings</em> <em>account</em>"]},"sort":[20.675415,"20334999"]},{"_index":"complaint-public-v1","_id":"8835772","_score":19.825098,"_source":{"product":"Checking or savings account","complaint_what_happened":"I originally filed a complaint against Truist and XXXX, and have just received their stupid and fraudulent response : XXXX SUBMITTED ON XX/XX/year> PRODUCT Checking or savings account ISSUE Problem with a lender or other company charging your account Please note, I don't understand how XXXX and Truist began mailing \" documents '' in the same envelope when the real XXXX does not. \n\n1. I recently contacted my old employer, XXXX XXXX, and asked the Payroll manager who is XXXX. She told me that my \" tax person '' did not do my paperwork for the IRS correctly that is why XXXX needed for me to pay my taxes. Please note, I have never been a \" payroll person '' -- I am a XXXX. If there were any errors on my taxes before being issued my checks for my job, I had nothing to do with the overall framework of preparing checks for employees. ( I am attaching that conversation ). \n\n2. Regarding Levy Garnishment obtaining permission to enter my son 's checking account which he owns, I NEVER authorized that as the rep from Truist insinuated I did. Therefore, I would like Truist to return my son 's {$410.00} that they took without permission or authorization from me. I have never owned my son 's account because he was old enough to open the account for his use. \n\n3. I would like Truist to provide proof that my son and I own a safe deposit box with the bank. We do not own any safe deposit box ; therefore, I would like to be reimbursed for the {$120.00} that Truist illegally took from my son 's account.\n\n4. I also would like to have the {$1000.00} that was removed from my checking account that left me with {$26.00}.","date_sent_to_company":"2024-04-24T04:17:00.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"281XX","tags":null,"has_narrative":true,"complaint_id":"8835772","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2024-04-24T03:43:52.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I originally filed a complaint against Truist and XXXX, and have just received their stupid and fraudulent response : XXXX SUBMITTED ON XX/XX/year> PRODUCT <em>Checking</em> or <em>savings</em> <em>account</em> ISSUE <em>Problem</em> with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em> Please note, I don't understand how XXXX and Truist began mailing \" documents '' in the same envelope when the real XXXX does not. \n\n1. I recently contacted my old employer, XXXX XXXX, and asked the Payroll manager who is XXXX."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[19.825098,"8835772"]},{"_index":"complaint-public-v1","_id":"12769430","_score":19.646725,"_source":{"product":"Checking or savings account","complaint_what_happened":"COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Checking or savings account ISSUE Problem with a lender or other company charging your account I am filing another complaint against 5/3 bank due to inaccurate statements they made regarding the above reference first complaint. \n\nThey stated on XX/XX/year> as a response to the above claim that the claim was denied due to the following : Our records indicate the activity is consistent with the location, type, or amount of purchases you have made in the past ; therefore, the dispute was denied. \n\n\nThis is inaccurate. The fraudlant activity began XX/XX/year> and continued for several days until all of my funds and an overdraft of {$3400.00} was the balance of my account. There should have be no previous credits on my account like the ones that were done for several days. I would attach the statements to prove this, but 5/3 bank closed the account. All 5/3 bank provided was the fradulant activity and not the suppose purchases that were made in the past. Also, they did not even mention the fact that the account was overdrawn and I did not authorize overdraft protection. \n\nPlease explaoin why the CFPB closed this claim without me being able to respond? You just took their word for it, which is inaccurate. Again, my account was depleted off all of the funds plus an overdraft of approximately {$3400.00} that I did not authorize or do on my own. Now 5/3 bank has turned me over to collections for the unpaid balance which again I did not do or authorize.","date_sent_to_company":"2025-04-01T21:05:31.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"49601","tags":"Servicemember","has_narrative":true,"complaint_id":"12769430","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2025-04-01T20:48:20.000Z","state":"MI","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT <em>Checking</em> or <em>savings</em> <em>account</em> ISSUE <em>Problem</em> with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em> I am filing another complaint against 5/3 bank due to inaccurate statements they made regarding the above reference first complaint."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["<em>Problem</em> with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[19.646725,"12769430"]},{"_index":"complaint-public-v1","_id":"7779482","_score":18.415594,"_source":{"product":"Checking or savings account","complaint_what_happened":"I want to be clear. This issue is a violation of my consumer rights under the FCRA. It affects millions of people and is done intentionally to restrict certain demographics access to financial services that would otherwise be available to them if it wasnt for this intentional restriction of their information by CASHAPP and its partners. \n\nUnder the FCRA its is clear that American consumers have the right have their information reported fairly and accurately and and at their request. What if consumers were not able to share their financial information with other financial institutions and consumer financing companies or other resources that are in place to help people acquire loans, jobs, renting a place to live, or other similar products and services that that should otherwise be available to them simply because they are not able to share their accurate income or prove they have direct deposit or show they have consistent cash flow going in and going out of their checking accounts? What if they were unable to adequately prove they paid certain bills on time and as a result were unable to raise their credit score like millions of other Americans do by proving they pay bills on time by linking their checking accounts to major credit bureaus or other consumer centric companies that are their to help boost peoples abilities to access credit and financing so they can be more productive and live happier more financially stable lives? \n\nWell this restriction of information is EXACTLY what CASHAPP and its partner banks are doing. They are 100 % doing it intentionally for what I could only make out to be a form of financial oppression and control over certain demographics of Americans which include people with low incomes, credit problems, banking issues, immigrants, people that collect government benefits or other societal negatives that would put them in a lower class and higher risk category than people who do not have these issues. These demographics are extremely vulnerable to financial oppression by big financial companies and they are the targets of malicious and life changing actions that are felt throughout the economy and the world in ways that arent seen in a snap shot but drawn out over time and they keep people down. \n\nCashApp refuses to allow its customers and account holders share their financial information such as direct deposits, account balances, average daily balances, monthly income, bill pay consistency, other income that may not be directly deposited like side job income, tips, cash payments for other goods or services. They do this by not allowing access to their API keys with companies like XXXX which surely has to be aware of this. Consumers are asked to link their personal checking and savings accounts to many many different companies to verify their livelihood and show they are responsible and they do this to show they are not high risk for lending or other services. There are a million reasons why we link our checking accounts and bank accounts to other companies and most all of those reason will provide the person linking them with some sort of benefit from doing so. Usually a monetary benefit or credit benefit. When consumers cant link their accounts, just like every single account holder with cash app, they are not allowed to participate in these benefits. \n\nMost of cashapps customers have their pay directly deposited. They have savings accounts, debit cards, monthly statements, cash app is linked to everything for their own benefit. But when it comes to allowing their customers to benefit they wont allow it. Since most of cashapps customers have no other viable options for banking, they are in a way forced to be stuck to cash apps restrictions. CashApp makes things simple for its users, why? Because CashApp knows that when people that arent tech savvy to begin with get used to something simple, even if their customers had another option it would be difficult to use another similar product or service do to the higher technical abilities it would require. \n\nCashApp is robbing people including myself, of their lives, its robbing them of their ability to flourish or be included in things that are required in our society to strive. \n\nI deposit thousands into my cash app account every month and I cant prove it to anyone. I have a business account with CashApp also and I cant prove that I have business income to any other financial institution for business financing. Which if anyone knows about business, proving your revenue is the most important thing required for growth. Cash app charges for every transaction coming in on business accounts and and it charges for every transaction going out of consumer accounts. They have no problem benefiting for the cash flow of American consumers, so why are the American consumers not able to benefit from their own cash flows due to cash apps unwillingness to share their customers personal information which is being always requested and approved by their customers solely? Financial Oppression and its going stop.","date_sent_to_company":"2023-10-31T16:53:39.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"85249","tags":"Servicemember","has_narrative":true,"complaint_id":"7779482","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2023-10-31T15:49:43.000Z","state":"AZ","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Consumers are asked to link their personal <em>checking</em> and <em>savings</em> <em>accounts</em> to many many different companies to verify their livelihood and show they are responsible and they do this to show they are not high risk for <em>lending</em> or <em>other</em> services. There are a million reasons why we link our <em>checking</em> <em>accounts</em> and bank <em>accounts</em> to <em>other</em> companies and most all of those reason will provide the person linking them with some sort of benefit from doing so. Usually a monetary benefit or credit benefit."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Other</em> banking product or service"]},"sort":[18.415594,"7779482"]},{"_index":"complaint-public-v1","_id":"19127213","_score":18.298388,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Company : Capital One Financial Corporation Product : Checking or savings account Issue : Managing an account -> Problem with a lender or other company charging your account Complaint Narrative : On XX/XX/year>, I purchased a Cashiers Check from my Capital One checking account ( ending in XXXX ) in the amount of {$41000.00}. \n\nI explicitly paid an additional {$20.00} fee for expedited \" Overnight '' shipping to ensure delivery by XX/XX/year>, as confirmed by Capital One 's \" Estimated Delivery '' notification. \n\nAs of XX/XX/year>, the check has not arrived. XXXX tracking ( XXXX ) shows the package is delayed in Utah, despite the destination being XXXX, PA. \n\nI am filing this complaint due to Capital One 's negligence and Unfair/Deceptive Acts : Breach of Service Agreement : I paid a {$20.00} premium specifically for expedited oversight and delivery. Capital One accepted this fee but failed to deliver the agreed-upon service. When I contacted Customer Service on XX/XX/XXXX ( Agent \" XXXX '' ) to rectify the delay, they refused to contact XXXX to trace the package, stating, \" I am not allowed to do that. '' Negligence as Shipper of Record : As the entity that collected the shipping fee and initiated the shipment, Capital One is the legally recognized \" Shipper of Record. '' XXXX will only accept trace requests/reroutes from the shipper. By refusing to contact XXXX, Capital One is taking payment for a service ( {$20.00} shipping ) while refusing to perform the administrative duties required to fulfill it. \nUnfair Practice ( UDAAP ) : Capital One has debited over {$41000.00} from my account and is holding these funds XXXX. They informed me I must wait XXXX days for a refund if the check is lost. It is an \" Unfair Practice '' to charge a consumer for expedited delivery, fail to ensure that delivery, and then penalize the consumer with a XXXX-month wait time for the bank 's own logistical failure. \n\nDesired Resolution : Immediate Refund of {$20.00} Shipping Fee : The service was not rendered as sold. \nCarrier Intervention : Capital One must immediately contact XXXX to locate and expedite the package. \nWaiver of XXXX-Day Wait : If the check can not be located within XXXX hours, I request an immediate Stop Payment and reissue of funds to the dealership ( XXXX XXXX XXXX ) without the standard XXXX-day indemnity period, as the loss occurred during a paid service workflow managed by the bank.","date_sent_to_company":"2026-01-30T10:37:51.000Z","issue":"Lost or stolen money order","sub_product":"Money order, traveler's check or cashier's check","zip_code":"19355","tags":null,"has_narrative":true,"complaint_id":"19127213","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-01-30T09:54:30.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Company : Capital One Financial Corporation Product : <em>Checking</em> or <em>savings</em> <em>account</em> Issue : Managing an <em>account</em> -> <em>Problem</em> with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em> Complaint Narrative : On XX/XX/year>, I purchased a Cashiers <em>Check</em> from my Capital One <em>checking</em> <em>account</em> ( ending in XXXX ) in the amount of {$41000.00}."],"sub_product":["Money order, traveler's <em>check</em> or cashier's <em>check</em>"]},"sort":[18.298388,"19127213"]},{"_index":"complaint-public-v1","_id":"6003971","_score":16.213234,"_source":{"product":"Checking or savings account","complaint_what_happened":"I mobile deposited a check from XXXX for a balance transfer designed for my Huntington Credit card. I spoke with XXXX about the process. They confirmed the process as legit. Huntington put a hold on it on XX/XX/22 which I then contacted Huntington to explain what the check was for with verifiable numbers and dates etc. After a few levels of customer service managers they agreed to reverse any interest incurred for the hold. That was acceptable to me at that point. Two days later I attempted to access my online banking and was receiving errors. I called and first heard an automated system telling me my checking account was XXXX balance. I soon get through to a representative that informs me that my accounts were froze. I had no calls or notice through phone or email that this had been done. Along with my personal access I manage my business access and no longer had access to that as well. That Friday XX/XX/22 I spend a very long time which I can document explaining my problem and attempting to get through to their fraud department. This could have been handled simply if they made any attempt to contact me and verify my information. At the end of Friday I spoke with XXXX an upper level supervisor who still could not help me. He put me through to his boss XXXX voicemail. I never received a call from her. The following week I waited and then I started receiving notifications from autopay set up with other institutions. I also on Tuesday XX/XX/22 at XXXX XXXX received an email telling me the hold on the check was removed. When I called the bank it still showed my account balance as XXXX and I still didnt have online access. When calling again i was told the email I received was auto generated and my accounts still havent been cleared. In the mean time I am trying to go about my days as a busy XXXX and cant spend that much time tied up on the phone. I have records of 40+ minute calls and many others. XX/XX/22 I started my own XXXX XXXX XXXX to which I got an immediate response. That tells me Huntington only cares about what is in the Public eye. Then they will respond. I was then on the phone with managers when the upper manager XXXX finally calls me back 6 days after I left her the original voicemail XX/XX/22. At that point I asked her if she could get me to the fraud department. No. So since I was already on the phone and working with an online person through XXXX I hung up. Apparently a senior customer service person isnt that concerned enough to call until 6 days later. So by the end of XX/XX/22 after 6 hours of attempts I was finally able to get my accounts unlocked by the online person and the phone manager whom is apparently in XXXX charge finally was able to get my online access back. \n\nSince then I have spoken with XXXX In the advocacy department and she was able to reverse interest on the credit card and credit me a couple late fees that occurred from being locked out. \n\nI have asked to be contacted by the VP of operations or the executive in charge of this process. I want a plausible explaination of why this happened in the first place and why there is no direct connection to the fraud department when basically you are being looked at as a criminal. That they absolutely refuse to contact me the consumer and verify any information. I understand fraud is a serious thing but to not have a platform to be able to clear it up in a timely manner is unacceptable. It should have been cleared up on XX/XX/22 or XX/XX/22. My accounts should have never been locked out if I explained what the check was for and had documentation. Every time you call you go through the same verification. Process. I was even willing to go to a branch with multiple ID forms to verify who I am and what I was doing. To have to explain the situation and argue with customer service reps one after the other over and over to get to the next level and and the next is ludicrous. \n\nSo in all this I have spoken to each person as cordially as I could. I explained to each person I understand that they didnt put the system in place but the system is terrible. I was not rude and I thanked each associate along the way because XXXX system put them into those positions. \n\nI would like to reiterate also. The only email communication I received from XXXX was 1 - the email stating the check was held 2 - the checks hold was released. \n\nI in no way was informed of them locking me out of my Business and private checking accounts as well as my savings accounts. I had to figure that out on my own as things happened. \n\nI will continue my work to put out this story until I do get a satisfactory answer, acknowledgment, and apology from the highest operational levels. \n\nI believe I should be compensated above the reversal of interest and return of fees incurred for my time wasted having to fight Huntington to restore my accounts. It would have take simple phone call from the department that handles holds etc to have cleared up the issue before it became an emotionally and time draining two week process. \n\nI started with XXXX XXXX XXXX XXXX Ohio when I was XXXX which then went to Huntington. I have had XXXX mortgages and loans and personal checking and savings for over XXXX years. My wife works at a local credit union as VP of Lending and I never switched from Huntington because of the relationships I have had with lenders and tellers and branch managers. Now I have opened accounts there and am deeply considering dropping Huntington over this uncalled for debacle. \n\nThank you for your consideration. \n\nXXXX XXXX","date_sent_to_company":"2022-09-21T17:06:19.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"444XX","tags":null,"has_narrative":true,"complaint_id":"6003971","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2022-09-21T16:16:28.000Z","state":"OH","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I have had XXXX mortgages and loans and personal <em>checking</em> and <em>savings</em> for over XXXX years. My wife works at a local credit union as VP of <em>Lending</em> and I never switched from Huntington because of the relationships I have had with <em>lenders</em> and tellers and branch managers. Now I have opened <em>accounts</em> there and am deeply considering dropping Huntington over this uncalled for debacle. \n\nThank you for <em>your</em> consideration. \n\nXXXX XXXX"],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[16.213234,"6003971"]},{"_index":"complaint-public-v1","_id":"5780281","_score":15.720456,"_source":{"product":"Checking or savings account","complaint_what_happened":"Citibank widely promotes individuals to open banking accounts and fulfill requirements in exchange for cash bonuses. On XX/XX/XXXX, I opened such a checking account, subsequently maintaining {$50000.00} on deposit for sixty days with the expectation of receiving a {$700.00} bonus. Also on XX/XX/XXXX, I opened a Citibank savings account, subsequently maintaining a sixty-day {$10000.00} balance for which I expected to receive a {$100.00} bonus. \n\nHaving satisfied requirements of savings and checking promotions, I initiated electronic withdrawal of {$58000.00} on XX/XX/XXXX. I intended to leave {$1500.00} on deposit to keep both accounts open and free of monthly service charges. Citibank immediately blocked the transfer, froze the accounts, and deactivated my online credentials. Upon realizing Citibanks actions, I placed numerous calls to customer service. I was advised that Citibanks Fraud Department had received an alert for which it would be conducting a review. Citibank representatives ( via account services and the fraud department ) refused to provide any detail surrounding the alleged fraud alert. Furthermore, they could not explain why I was not contacted about any suspicious activity on my accounts. I continued to call Citibank over the next few days only to be promised return calls from supervisors who never called. Representatives eventually started replying to inquiries by reading a prepared statement and then abruptly ending calls. That statement advised that Citibank had unilaterally closed my accounts and severed our banking relationship. The statement provided neither any reason for the action nor any explanation for not consulting with me. \n\nI called Citibank Headquarters on XX/XX/XXXX. I eventually spoke with a representative of Citibanks Litigation Support Department who referred me to Citibanks Executive Response Unit. I e-mailed my first complaint to that unit on XX/XX/XXXX. Upon request, I submitted bank records showing the source of the {$60000.00} that was frozen across my checking and savings accounts. \n\nOn XX/XX/XXXX, an Executive Response Unit representative advised that Citibank had reversed its decision to close my accounts and access was restored to my {$60000.00}. At that same time, the representative advised that the {$700.00} bonus was credited to my checking account given my fulfillment of promotional requirements. However, the representative advised that I was ineligible for the savings account bonus, citing that concurrent promotions were disallowed. I subsequently submitted a copy of the savings account promotion to the Executive Response Unit. \n\nOn XX/XX/XXXX, an Executive Response Unit representative reversed the assertion that concurrent promotions were not allowed. My savings account was therefore credited with the {$100.00} bonus. \n\nOn XX/XX/XXXX, I requested that Citibank compensate me for the several hours I spent resolving problems not of my making. I also requested compensation for lost investment opportunities due to Citibank freezing my {$60000.00} without proper cause and notification. \n\nIt should be noted that there was no legitimate reason for suspicion, no less a fraud alert, and much less closure of my Citibank accounts. My attempted withdrawal of funds on XX/XX/XXXX was bound for the same external account used to fund the accounts. That external account had already been vetted by Citibank. \n\nOn XX/XX/XXXX, the Executive Response Unit denied my request for further compensation. In doing so, it cited, Upon review of your concerns, our Fraud Unit was engaged regarding what transpired. They advised that a review of the account was initiated and your account initially blocked on XX/XX/XXXX. The purpose of the review is to identify and prevent fraud related transactions form [ sic ] occurring on your account. The process and review, protects our customers as well as the bank from potentially fraudulent activity and financial loss. Our Fraud Unit verified the account activity and the block was removed on XX/XX/XXXX. \n\nIt is noted that Citibanks response is not reflective of what actually occurred. Citibank froze my accounts on XX/XX/XXXX, as evidenced by the blocking of my withdrawal. By XX/XX/XXXX, Citibank had already decided to close my accounts. That fact is documented in a letter mailed to me by Citibank on XX/XX/XXXX. That letter featured the following statement : Based on a recent review of your Citi Accelerate Savings account, we found that you have violated the terms of your account per the client manual. As a result, your Citi Accelerate Savings account and any other Citi accounts you have will be closed within 60 days of this communication. \n\nOn XX/XX/XXXX, I spoke with a representative of Citibanks Executive Response Unit. I asked for clarification of the terms of ( my ) account that I was accused of violating leading to closure of my accounts. In response, the representative asked whether I had read the Client Manual for Consumer Accounts. She then clarified that Citibank may close any account for any reason. I countered that such explanation was insufficient as I had been repeatedly accused ( in writing and via phone calls ) of having violated account terms. The representative was unable to provide any basis for the alleged violation. At that same time, I asked why Citibank did not contact me in the event of any concern about my accounts. The representative advised that the letter, dated XX/XX/XXXX, served as my notice. That answer was confounding as Citibank had already decided to close my accounts by its mailing. \n\nThe following is a chronology of my beliefs as to Citibanks motives : - I believe Citibank introduced a fraud alert on my accounts to introduce rationale for closing them, thereby disqualifying me from meeting the final requirement ( accounts must remain open until bonuses are posted ) to receive promotional cash bonuses. \n- I believe Citibank was not proactive in contacting me because I could have readily resolved any allegation of suspicious activity on my accounts. \n- I believe Citibank closed my accounts in attempting to not pay cash bonuses. \n- I believe Citibanks Executive Response Unit attempted to lend credibility to a contrived fraud alert by requesting external banking records substantiating original funding of my accounts.\n\n- I believe Citibanks Executive Response Unit reversed its decision to close my accounts only as a result of the hours I spent advocating on my own behalf.\n\n- I believe Citibanks Executive Response Units reversal of its decision to close my accounts reflects the impropriety of Citibanks original action.\n\n- I believe Citibanks Executive Response Unit purposely misrepresented terms of its savings promotion after acknowledging that I met requirements of its checking promotion. \n- I believe Citibanks Executive Response Unit conceded that I met requirements of the savings promotion only because I submitted indisputable proof of terms.\n\n- I believe Citibanks Executive Response Units reversal of its decision to disqualify me from the savings bonus reflects the impropriety of its previous assertion. \n- I believe Citibanks Executive Response Units XX/XX/XXXX written response purposely misrepresented facts in attempting to explain the impropriety of Citibanks actions. Furthermore, that statement contradicted information communicated in a Citibank letter dated XX/XX/XXXX. \n- I believe Citibanks Executive Response Units inability to specify how I violated terms of my accounts ( as repeatedly alleged via letter and phone calls ) reflects impropriety in Citibanks justification for closing my accounts.\n\n- I believe Citibanks Executive Response Unit resorting to the assertion that any account may be closed, for any reason, reflects the impropriety of Citibanks actions.\n\nIn conclusion, I believe that Citibanks token concessions, reversal of actions, misrepresentation of facts, scrambling for explanations, refusal to consult with accountholder, and invocation of contrived justifications all represent insincere dealings with customers such as myself. Search of the Consumer Financial Protection Bureau database indicates no lack of similar complaints filed against Citibank. I continue to monitor social media outlets that are also rife with such complaints. I am concerned that Citibank appears committed to a pattern of deceptive marketing and business practices surrounding its promotional savings/checking accounts. \n\nI am prepared with further testimony and physical evidence surrounding this complaint. For the time being, I am attaching the following documents : Citibank letter dated XX/XX/XXXX, e-mail sent to Citibank Executive Response Unit on XX/XX/XXXX, e-mail sent to Citibank Executive Response Unit on XX/XX/XXXX, e-mail sent to Citibank Executive Response Unit on XX/XX/XXXX, Citibank Executive Response Unit statement dated XX/XX/XXXX, e-mail sent to Citibank Executive Response Unit on XX/XX/XXXX, and Citibank Executive Response Unit statement dated XX/XX/XXXX.","date_sent_to_company":"2022-07-18T07:09:00.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"80027","tags":null,"has_narrative":true,"complaint_id":"5780281","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2022-07-18T02:50:05.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["As a result, <em>your</em> Citi Accelerate <em>Savings</em> <em>account</em> and any <em>other</em> Citi <em>accounts</em> you have will be closed within 60 days of this communication. \n\nOn XX/XX/XXXX, I spoke with a representative of Citibanks Executive Response Unit. I asked for clarification of the terms of ( my ) <em>account</em> that I was accused of violating leading to closure of my <em>accounts</em>. In response, the representative asked whether I had read the Client Manual for Consumer <em>Accounts</em>."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[15.720456,"5780281"]},{"_index":"complaint-public-v1","_id":"2941126","_score":14.549222,"_source":{"product":"Checking or savings account","complaint_what_happened":"Note : You have my permission to publish this complaint after removing my name, email address, identifying information, and account number. \n\nSummary : Ive been trying for 7 months to close my Lending Club retirement account # XXXX and am finding it to be nearly impossible. ( Lending Club 's site says : All loans are made by XXXX, which was organized under the laws of the State of Utah in XX/XX/XXXX and operates under federal banking law. ) To my knowledge, they disclosed absolutely nothing about this when they accepted my money, but, once I decided that I didnt trust them and I wanted my money back, at that point I learned that it would take 3 to 5 years to withdraw my funds. Plus, shortly after I notified them I was in the process of closing the account, they implemented a {$100.00} annual fee for maintaining my account. It is impossible to avoid this fee, because they refuse to close the account. They also warn that failure to pay the fee will result in notifying the IRS that my entire account has been \" distributed '' to me into a new \" taxable '' account, against my will. \n\nTheir hidden fees have been a problem for them in the past, such as when the FTC sued them for hidden fees ( see https : XXXX ). Now, they are basically holding my retirement funds hostage, and eating up as much of them as they possibly can, ensuring I suffer a loss on this investment. \n\nAll I want is to get my money out of that company immediately and have them roll it over into another bank 's hands, where I can put it into a safer retirement investment, like a bank CD or mutual fund. \n\nDetails : The initial investment was {$2500.00} in a XXXX XXXX IRA opened XX/XX/XXXX. For my part, this is a retirement savings vehicle. Lending Club loans out my retirement money in small increments ( {$25.00} per borrower ) to numerous of their borrowers. I only get paid back if their borrowers pay them back. \n\nIn XX/XX/XXXX, I funded this with a {$2100.00} XXXX XXXX from a failed bank in Louisiana, XXXX XXXX, plus a year XX/XX/XXXX IRA contribution of {$320.00}, to meet the Lending Clubs investor minimum of {$2500.00}. \n\nI tracked my progress closely because Lending Club was a newish and unfamiliar company to me, and this is a fairly novel way to invest. I started noticing irregularities in the info they were reporting to me, right away. \n\nI deployed automated investing on XX/XX/XXXX. The 1st payment due to me was due XX/XX/XXXX. But when I checked on XX/XX/XXXX, that XX/XX/XXXX due date had disappeared. Now I was shown only a XX/XX/XXXX note date, which was not yet paid, and yet the summary page still said no past due accounts. There was something weird about that. What happened to the XX/XX/XXXX due date between XX/XX/XXXX and XX/XX/XXXX? Barely two months into my experience with Lending Club, I started to sense that they were not being upfront with investors about past due accounts. \n\nI checked again on XX/XX/XXXX, and could then see a XX/XX/XXXX and XX/XX/XXXX due date, with both showing payments received for prior months. So presumably my missing XX/XX/XXXX due date had made a reappearance ( now due one month later, on XX/XX/XXXX ). They had decided they could show me the note again, now that it was paid, but whether it had been paid timely or paid late was information that was being withheld. \n\nI checked again on XX/XX/XXXX, and there was no XX/XX/XXXX due date showing any more. Why? How could the due date have changed? Why would this disappear from my portfolio again? Did that mean it was late again? XX/XX/XXXX would be past the grace period on that note. So, they just weren't going to show it to me? There was a XX/XX/XXXX and a XX/XX/XXXX due date, both showing fully paid. There was also some squirrelly stuff like a long list of payments made in amounts under one dollar, with the status shown for those as current. There were 20 due dates in the last 10 days of XXXX. \n\nAs of XX/XX/XXXX, there were 52 payments under {$1.00}, all showing current. Only 5 accounts had paid {$23.00} to {$25.00}. This didnt make much sense to me since my lending increment was set to {$25.00} ; why would a bunch of accounts be considered current with payments of XXXX or XXXX cents each? Several due dates in the recent past also showed current despite no payments being made. At this time I made minor adjustments to the auto-allocations ( 2 % more B-grade, 2 % less G-grade ) due to the Lending Clubs vague XX/XX/XXXX email about how they were adjusting their expected returns, and how that would impact auto-investing ( in plain English : they expected borrowers to pay even later, and pay back less money, than previously assumed, so they were reducing their optimism about expected performance - meaning all my investments already made were going to do worse than they had projected at the time I made the investments ). \n\nAlso, at this point I decided that it was hopeless trying to understand the current and past-due info being provided by Lending Club, primarily because of their lack of transparency. \n\nAs of XX/XX/XXXX, my adjusted account value was {$2600.00}, with the Lending Club system showing me a frankly unbelievable 10.31 % increase ( as compared to Lending Clubs stated historical returns of 3.44-8.53 % for my investment strategy ). Doing my own math, I estimated I had actually earned only 6.29 % over the past 50 weeks, based on the adjusted account value versus my opening contribution. So again, at the one year mark, I experienced deep misgivings that Lending Club was telling me one thing, and doing another. My money had grown from {$2500.00} to just {$2600.00}. Thats an increase of {$150.00}, which represents 6.29 % of the {$2500.00} investment. Why would Lending Club try to tell me that 6.29 % was really 10.31 %? It made no sense. It was too good to be true, because, well, it wasnt true. \n\nOn XX/XX/XXXX, I inquired about closing my Lending Club investment account. I made this decision because I felt that this would never be a good investment vehicle, and the longer I waited, the more I was going to lose. Their reply indicated that I could immediately transfer out only {$53.00} of my balance, subject to a {$50.00} fee by XXXX ( whatever that is ), meaning I could get less than 4 dollars out of them at the moment that I wanted to end my relationship with them. Lending Club indicated I would need to pause automated investing so that cash could accumulate, rather than being reinvested into additional loans, and that once all my cash was out of the notes in which it was invested, only at that point could I get access to all of my money. They also mentioned other options something about selling off my portfolio to other investors, at a loss but my research into that option revealed that this is only for sophisticated investors and involves considerable effort and loss of funds. I did some research online and found that the cash accumulation process should be expected to take 3 to 5 years to be complete. Lending Club also suggested that I could withdraw a little at a time, such as by making 5 transfers of {$500.00} each, a little at a time as cash accumulated over the years with each transfer out, of course, being subjected to a separate fee. I asked Lending Club to show me exactly when and how all this was disclosed to new investors like myself, and their answer was that I should review their 200-page prospectus and other information posted online. They declined to point out any specific reference to any actual disclosure they might claim they made. Reviewing that prospectus once again today, I do not see any clear disclosures that reveal that it is impossible to transfer your money out of Lending Club, or that they will fee you {$50.00} for such transfers, or anything about any annual fee, which I only learned of recently, as detailed below. \n\nOn XX/XX/XXXX, they notified me that because my balance is under {$10000.00}, Ill also be subjected to a {$100.00} annual fee going forward. This fee is basically for nothing, just for having the account. They describe as \" for maintaining the retirement status '' of the account, or some such bogus description meaning nothing more than having my account on the books ( specifically, they claim this new fee is just \" to ensure that your investment maintains its tax-advantaged status '' ). Soon I would discover that this is actually more like \" protection money. '' That {$100.00} annual fee means that if takes 5 years to liquidate this investment, their actual termination fee is not {$50.00}, but {$550.00}. Im certain this is first notification or disclosure Ive ever had of any {$100.00} annual fee. \n\nTheir latest XX/XX/XXXX email threatens that if this fee is not paid every year going forward, then in addition to their substantial late fees, they will terminate the \" retirement account status '' of my account, convert it to a taxable account ( one from which, Im sure, I still wouldnt be able to access any money ), and that this will subject me to significant IRS tax penalties for taking this ( forced ) distribution of the retirement funds. I am certain this was never disclosed to me until this email. This is what makes the fee \" protection money. '' They demand to eat away at my accumulated cash, and if I fail to pay up, they'll arbitrarily decide to make changes to my account, and they'll lie to the IRS and say that I withdrew all my money and should therefore be taxed on it. This is absurd. \n\nAs of today, XX/XX/XXXX, my adjusted net annualized return is supposedly down to 5.03 %, my account value is {$2800.00}, and my adjusted account value ( after subtracting {$98.00} for past-due notes ) is supposedly {$2700.00}, with available cash at {$820.00}. They claim payments made total {$2700.00}. In other words - I gave them {$2500.00}, and they've been paid in full and more, they've been paid {$2700.00}, and yet they still think I only have access to {$820.00}. Some 10 % of my notes have been charged-off, while another 3.35 % are either late or in default. \n\nDesired resolution : Lending Club should continue to waive all annual fees until my account is closed. They should send me a check for the full {$2700.00} ( roughly ) due to me, or, failing that, stop charging newly invented fees under the threat of revocation of retirement status on the account. \n\n\n+++++++++++++++++++++++++++++++++++++++++++++++++++++++ From Lending Clubs website : How LendingClub is regulated The regulatory framework for LendingClub is well established and has been in place since XXXX. On the investor side, we've registered the offering of Notes with the Securities and Exchange Commission and we file annual, quarterly, and other reports with the SEC. Review our prospectus or view our SEC reports at www.sec.gov. \n\nAll loans are made by XXXX, which was organized under the laws of the State of Utah in XX/XX/XXXX and operates under federal banking law. XXXX is an FDIC-insured bank that is subject to consumer lending regulations, including the Truth in Lending Act, Equal Credit Opportunity Act, and Fair Credit Reporting Act. \nSource : https : XXXX +++++++++++++++++++++++++++++++++++++++++++++++++++++++ Email I sent XX/XX/XXXX, requesting to close account : Searched the website, don't see any info on this. I invested in Lending Club in an IRA.I am considering closing that account by transferring it directly to another institution. Please advise, what fees, if any, would be applied by Lending Club and XXXX? How do I know what my actual available balance is, at any given time? If you need a form specific to your institution, please forward it to me.Thank you [ my name ] +++++++++++++++++++++++++++++++++++++++++++++++++++++++ Their reply, XX/XX/XXXX : Hi [ my name ], Thank you for getting in touch with us!\n\nBefore you can close your LendingClub account, you'll need to liquidate your portfolio and withdraw all available cash. You can pause Automated Investing so that your cash will accumulate for withdrawal rather than be reinvested. \n\nI see that you currently have {$53.00} in available cash for withdrawal. Your available cash is located in the middle of the Account Summary page when logging in. You may withdraw available cash for free from LendingClub to XXXX by clicking on the Transfer tab at the top of the page and then selecting \" Withdraw Funds ''. However, you won't be able to withdraw any funds currently invested in Notes.\n\nIt may be possible for you to liquidate your portfolio prior to maturity by listing them for sale on the secondary trading platform. Once a Note is sold, you'll receive the sales proceeds in your available cash for withdrawal. If you'd like any assistance with this, please feel free to reach out to us at XXXX. \n\nOnce your portfolio has been fully liquidated, please contact your new custodian for the next steps. Your new custodian will need to initiate the outgoing transfer on your behalf. As a quick note, STRATA charges a {$50.00} account termination fee. For more information on their fees, please contact them directly at XXXX. \n\nI'll be happy to provide you with the next steps in the account closure process once you have completed the above. Let me know if you have any questions! \n\nHere to help, XXXX LendingClub Investor Services | XXXX Phone XXXX | Fax XXXX XXXX +++++++++++++++++++++++++++++++++++++++++++++++++++++++ My reply to that, XX/XX/XXXX : Reading a little more about this online ( not your site, but other sources ), is it true that it would actually take 3 to 5 years to liquidate my account? For instance if I pause or stop automated investing, and let cash accumulate, then what I am actually doing is waiting for all outstanding notes to be paid, before I'm able to roll it over to an outside institution, into another IRA? Does that seem pretty insane, or is it just me? I wonder where and how all that is disclosed to your new investors. Thanks, [ my name ] +++++++++++++++++++++++++++++++++++++++++++++++++++++++ Their reply, XX/XX/XXXX : Hi [ my name ], Thank you for your reply!\n\nYour Notes will mature at 36 or 60 months from the date the Notes were issued. It is possible for a portfolio to liquidate sooner in the event a loan is paid off early or charges-off.\n\nAs borrowers their monthly payments, you'll receive your pro rata share of principal and interest for withdrawal to STRATA. You do not have to wait for all Notes to mature before doing a partial outgoing transfer to a new custodian. Any funds held in cash with STRATA can be transferred out at any time. As a quick note, STRATA charges a {$25.00} fee for each outgoing transfer to a new custodian. \n\nAdditionally, we try our best to provide transparent information so that our investors can make an informed decision. If you'd like to learn more about liquidity, please feel free to explore our Education Center, Statistics, or Prospectus filed with the SEC. \n\nTo discuss this in further detail, please feel free to give us a call at XXXX or I'll be happy to schedule a call with you at your convenience. \n\nI hope this clarifies! Let me know how else I can help. \n\nBest Regards, XXXX LendingClub Investor Services | XXXX Phone XXXX | Fax XXXX XXXX +++++++++++++++++++++++++++++++++++++++++++++++++++++++ Surprise fee notification email sent to me XX/XX/XXXX : Dear [ my name ], Thank you for investing with LendingClub. In order to facilitate your investment in LendingClub Notes through an IRA, XXXX partners with an IRA custodian, XXXX Trust Company ( STRATA ) formerly XXXX XXXX XXXX XXXX , XXXX. XXXX charges an annual account fee of {$100.00} to ensure that your investment maintains its tax-advantaged status. \n\nWhen you first opened your account, LendingClub paid your annual account fee. Per the terms and conditions of your IRA account, LendingClub will continue to cover this annual account fee if your IRA maintains a minimum invested balance of {$10000.00}. For additional terms and conditions, see below.1 Our records indicate that your account currently does not meet this minimum threshold. To avoid paying the {$100.00} fee, may we suggest you consider making your annual IRA contribution to this account by XX/XX/XXXX. \n\nIf you have questions or want to discuss other options, please contact us by email at XXXX or by phone at XXXX from 7am - 5pm PT, Monday - Friday. As always, our dedicated LendingClub IRA team is here to help. \n\nBest regards, The LendingClub Team +++++++++++++++++++++++++++++++++++++++++++++++++++++++ Second email sent to me regarding their hidden fee, on XX/XX/XXXX : Notice : Upcoming annual account fee for your LendingClub IRA This is another courtesy notice regarding your LendingClub IRA account Dear [ my name ], Thank you for investing with LendingClub. In order to facilitate your investment in LendingClub Notes through an IRA, LendingClub partners with an IRA custodian, XXXX XXXX XXXX ( formerly Self XXXX XXXX XXXX , XXXX ). STRATA charges an annual account fee of {$100.00} on your account opening anniversary, which covers their services to ensure that your investment maintains its tax-advantaged status. \n\nOur records indicate that your account currently does not meet the minimum threshold as outlined in the terms and conditions,1 so you can expect to receive an invoice from XXXX on the first week of XXXX. To avoid paying the {$100.00} fee, may we suggest you consider making your annual IRA contribution to this account by XX/XX/XXXX. \n\nNotice : LendingClub will deduct {$100.00} from your available cash to pay annual fee The default setting for paying the annual fee is to use the available cash in your IRA. LendingClub will deduct the {$100.00} from your account on XX/XX/XXXX. This ensures you aren't subject to any late fees. If you wish to pay via credit card or check, please contact us by XX/XX/XXXX. \n\nPotential Tax Implications Please note that STRATA assesses a {$15.00} late fee each month ( up to {$30.00} ) 2 until payment has been received in full. If full payment ( annual fee plus any applicable late fees ) is not received by XX/XX/XXXX, XXXX will resign as your IRA custodian and your funds will be transferred into a standard LendingClub taxable account in your name. The value of those transferred holdings will be reported as a distribution, which could result in a tax penalty.3 If you have questions or want to discuss other options, please contact us by email at XXXX or by phone at XXXX from 7am - 5pm PT, Monday - Friday. As always, our dedicated XXXX IRA team is here to help. \n\nBest regards, The XXXX XXXX +++++++++++++++++++++++++++++++++++++++++++++++++++++++","date_sent_to_company":"2018-06-20T17:14:31.000Z","issue":"Closing an account","sub_product":"Other banking product or service","zip_code":"704XX","tags":null,"has_narrative":true,"complaint_id":"2941126","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Lending Club Corp","date_received":"2018-06-20T16:05:22.000Z","state":"LA","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["In order to facilitate <em>your</em> investment in <em>Lending</em>Club Notes through an IRA, XXXX partners with an IRA custodian, XXXX Trust Company ( STRATA ) formerly XXXX XXXX XXXX XXXX , XXXX. XXXX <em>charges</em> an annual <em>account</em> fee of {$100.00} to ensure that <em>your</em> investment maintains its tax-advantaged status. \n\nWhen you first opened <em>your</em> <em>account</em>, <em>Lending</em>Club paid <em>your</em> annual <em>account</em> fee."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Closing an <em>account</em>"],"company":["<em>Lending</em> Club Corp"],"sub_product":["<em>Other</em> banking product or service"],"sub_issue":["Can't close <em>your</em> <em>account</em>"]},"sort":[14.549222,"2941126"]},{"_index":"complaint-public-v1","_id":"5336634","_score":14.501391,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Citizen Bank refuse to remove a false transaction on the account of {$70.00}!! \n\nInvestigate an invalid charged with goods and services never rendered to the consumer. \nCitizens bank 's dispute resolution department is an absolute mess they delete charges on your account with no signatures no contracts no evidence of anything this has been going on for well over a year now and it keeps things on your account, and they do nothing about it! \nThe Consumer Financial Protection Bureau collects complaints but does not function as a behalf of the consumer I truly do understand that, but a lot of banks get away with a lot of fraud and fail to perform the fiduciary responsibilities and protecting the cardholder. \nThe reason they do this because it costs too much money for the bank to look in and protect the rights of the consumer or the cardholder because they really could care less about protecting the rights of the holder. \nThis is where the Consumer Financial Protection Bureau comes in to enforce those rights or at least try to find out what is going on by leaving invalid inaccurate transactions on the account.\n\nWe have made XXXX phone calls about this and Citizens bank does nothing! \n\nXXXX XXXX live call with Citizen : I'm speaking on a recorded line again thank you XXXX you're welcome alright so that's pretty much about it I just need to find out why this charge of {$70.00} is still in the account and should I go ahead and give you the claim number. \nI'll be able to provide further insight did you receive weather several letters and I and I keep on faxing it back to you with an explanation in fact what I'm going to do is I'm going to scan all these letters and send them directly to your department. \n\nSo I guess my question to Citizens Bank and I could probably reference the Consumer Financial Protection Bureau is that how the world did they get away with something when they know that there is no sales receipt number one there's no contracts no there is no imprint or swipe of the card there was no goods and services rendered in a still keep it on your account you know it's it's it's quite frankly mind boggling. \n\nA quick review of what's going on here OK I have a letter for all these letters out I got a letter dated XX/XX/XXXX we responded to no goods and services got a letter from you guys XX/XX/2022 we responded to got a letter XX/XX/XXXX we responded to that letter we got it also another letter XX/XX/2022 basically stating the same things again and we responded by fax last night uh on XX/XX/XXXX and in that fax it clearly states that after several phone calls with Citizens Bank consumer services department and the merchant by stating there are no signs sales receipts no goods and services rendered and there was it was mistakenly placed on the account and consented and agreed and stipulated by the merchant which is actually the XXXX XXXX XXXX and that's a sister company of the restaurant for XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account is invalid inaccurate and I said please do not hesitate to call and they never call you Citizens Bank never calls you so we've you know we went over this and there's a new XXXX number which is XXXX. \n\nSo therefore whoever is making these decisions in the back office for Citizens Bank either an it's done by a computer system like like XXXX or or XXXX you know what XXXX is those little machines you talking to or it's done by a human being that's absolutely completely XXXX XXXX XXXXXXXX  and has failed to look at any of the evidence which there isn't any and furthermore to respond to something how do you respond to something with nothing with no car accident with no transaction with no goods and services rendered you know how is that even possible but we've always faxed back every time we get a letter we fax it back to you guys giving an explanation and and we just go in circles and circles and circles and circles and circles and circles and only reason why I put so much effort into it is because what happens it with {$750.00} what happens if with {$7000.00} what happens if it was a half {>= $1,000,000} you understand.You may have a legal claim if your bank doesn't tell you why they denied your disputed transaction. Claims can be awarded under this regulation even where the bank did everything else rightwhere they did a proper investigation, but they didn't follow the rules and tell you why they did what they did f there are many individuals with the same grievances, banks and other financial institutions can be XXXX through class-action lawsuits. Beyond filing a lawsuit, you have the option of filing a complaint with a government agency about your concern with the bank, which can still result in you getting financial relief. \n\nCan I XXXX a Bank?\n\nIn many cases, consumers agree to arbitration clauses in the fine print of contracts with financial institutions. These clauses limit consumers ' ability to sue. Instead, consumers are usually required to attend arbitration to settle disputes with financial institutions. A consumer protection attorney can look at the facts of your case to determine if it's possible for you to sue your bank, or if it's worth entering arbitration to attempt to resolve the dispute. \n\nWith that said, it may be possible to sue banks in small-claims court or through class-action lawsuits. Small claims court involves suing for an amount of money that is often limited to {$5000.00} or less, depending on state law. \n\nIf there are many individuals with the same grievances, banks and other financial institutions can be sued through class-action lawsuits. \n\nBeyond filing a lawsuit, you have the option of filing a complaint with a government agency about your concern with the bank, which can still result in you getting financial relief. \nWhere to File a Consumer Complaint About a Bank Option 1 : Federal Reserve Consumer Help If you have a complaint about a bank such as XXXX XXXX, XXXX XXXX, or another financial institution, the Federal Reserve System might be able to help you. The Federal Reserve is responsible for carrying out many of the federal laws that protect consumers in their dealings with financial institutions. \n\nThe XXXX XXXX XXXX, located in XXXX XXXXXXXX, works with the XXXX XXXX XXXX XXXX around the country to make certain the commercial banks that the Federal Reserve supervises abide by these laws. The Federal Reserve can help individual consumers by : Answering questions about banking practices Investigating complaints about specific banks under the Reserve 's supervisory jurisdiction Complaints about financial institutions that are not supervised by the Federal Reserve System are referred to the appropriate federal agency. \nWhat Kinds of Complaints are Investigated by the Federal Reserve? \n\nAs a federal regulatory agency, the Federal Reserve System investigates consumer complaints received against state-chartered banks that are members of the System. If you think a bank has been unfair or deceptive in its dealings with you, or has violated a law or regulation, you have the right to file a complaint. \n\nThe Federal Reserve is particularly concerned that state member banks comply with federal laws and regulations that prohibit discrimination in lending. In such cases, additional steps are taken to ensure that your complaint is promptly and thoroughly investigated. In addition, complaints alleging discrimination in housing that are covered by the Fair Housing Act are referred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nHow to File a Complaint With the Federal Reserve Before writing or calling the Federal Reserve, consumers are encouraged to try to settle the problem with the financial institution first. This may involve directly contacting senior bank management or the bank 's customer service representative for assistance. \n\nFindLaw Newsletters Stay up-to-date with how the law affects your life Enter your email address to subscribe Learn more about FindLaws newsletters, including our terms of use and privacy policy. \n\nThis site is protected by XXXX and the XXXX Privacy Policy and Terms of Service apply. \n\nIf you are still unable to resolve the problem, you may file a written complaint with the Federal Reserve. Include the following information in the complaint : Your name, address, and daytime telephone number, including area code ; Name and address of the bank involved in your complaint or inquiry ; Your bank or credit card account number ; The name of the person you contacted at the bank, along with the date, if applicable ; A description of the complaint. State what happened, giving the dates involved and the names of those you dealt with at the bank. Include copies of any letters or other documents that may help the Federal Reserve to investigate your complaint. The Federal Reserve asks that you do not send original documents, copies are preferred. Remember to sign and date your letter. \n\nIt's important to give the Federal Reserve as much information about the problem as possible ; this will assist the Federal Reserve in providing a quicker response to you. \nOption XXXX : Consumer Financial Protection Bureau If you have an issue with a credit card company, consumer loan, student loan, mortgage, or other financial services, you can file a complaint with the Consumer Financial Protection Bureau ( CFPB ). The CFPB is a government agency in the United States that makes sure banks, lenders, and other financial companies treat consumers fairly by offering consumer protection tools and resources. \n\nComplaints can be filed online with the CFPB 's free Consumer Complaint Database or over the phone by calling XXXX. Here is the process : You submit a complaint to the CFPB. \nThe CFPB reviews your complaint and determines if it should be forwarded to another government agency or should be sent to the company you are complaining about. \nThe company responds and reports back the action they are taking. \nWith your consent, the CFPB publishes information about the complaint on the public Consumer Complaint Database. \nYou are notified when the company responds and are able to review the response and provide your feedback. \n\nThe CFPB serves as a helpful intermediary between you and the bank you have had trouble with. It can be easier to get a response and a resolution with the CFPB 's involvement. \nOption XXXX : Your State Attorney General 's Office Each U.S. state and territory has an attorney general who serves as the top legal officer. Most attorneys general take complaints from state residents on a wide range of consumer issues, including grievances against banks and other financial services.\n\nYour XXXX XXXX office may decide to pursue an investigation into the bank, or it may just make a public or private record of your complaint. Call your XXXX XXXX  office or visit the XXXX XXXX website to find out more information. \nHow to Get Legal Help With Filing Consumer Complaints Against a Bank Has your bank violated a law or regulation? If you have suffered from unfair lending practices or had deceptive dealings with a financial institution, then assert your right as a consumer and file a complaint. \n\nWhile you can file a consumer complaint against a bank by following the above directions, you should seek help from an attorney experienced in discrimination issues or consumer protection if you have additional questions or concerns. \n\nReport problems with your bank, financial institution, lender, or broker. There are tips to help you file a complaint : Contact the branch manager, the customer service hotline, or the institution 's website.\n\nUse this sample complaint letter to explain your problem and how you want the bank to fix it.\n\nProvide copies of receipts, checks, or other proof of the transaction.\n\nIf the bank doesn't help, get help from the correct regulatory agency.\n\nComplaints About Deposit Accounts Find out which agency accepts complaints about your financial institution.\n\nContact the Office of the Comptroller of the Currency for complaints about a national bank ( has National in its name, or N.A at the end ) federal savings and loans federal savings banks.\n\nFor a problem with a state-chartered bank and trust company, contact either the Federal Deposit Insurance Corporation or your state banking authority .\n\nComplain about a federally chartered credit union with the XXXX XXXX XXXX XXXX.","date_sent_to_company":"2022-03-22T18:12:45.000Z","issue":"Wrong amount charged or received","sub_product":"Domestic (US) money transfer","zip_code":"141XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"5336634","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2022-03-17T21:38:57.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Report <em>problems</em> with <em>your</em> bank, financial institution, <em>lender</em>, or broker. There are tips to help you file a complaint : Contact the branch manager, the customer service hotline, or the institution 's website.\n\nUse this sample complaint letter to explain <em>your</em> <em>problem</em> and how you want the bank to fix it.\n\nProvide copies of receipts, <em>checks</em>, or <em>other</em> proof of the transaction.\n\nIf the bank doesn't help, get help from the correct regulatory agency."]},"sort":[14.501391,"5336634"]},{"_index":"complaint-public-v1","_id":"2466067","_score":13.857263,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted this claim prior but their response is still inaccurate.  [ C ase number :  XXXX  : YOUR COMPLAINT On   XXXX  , I was contacted by  XXXX  and found out that payments made to  XXXX   XXXX  loans were only being applied to my  XXXX   XXXX . This has my  XXXX   XXXX  behind over 150 days behind despite paying almost double the minimum payment monthly for over 2 years. Being concerned about my credit report I agreed to forebearance to bring current. I have requested that i have written explanation of this and resolution so going forward so funds can be applied appropriately but seeing the articles I am concerned that this matter wont be resolved Hide full complaint What product or service is your complaint about?     PRODUCT OR SERVICE Student loan TYPE Federal student loan What type of problem are you having?       ISSUE Dealing with my lender or servicer HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?   No Additional information COLLEGE OR UNIVERSITY  XXXX   XXXX  NAME ON ACCOUNT  XXXX   XXXX  CONSUMER DISPUTED COMPANY 'S RESPONSE?   No What happened?     On  XXXX , I was contacted by  XXXX  and found out that payments made to   XXXX   XXXX   Direct loans w ere only being applied to my  XXXX   XXXX . This has my  Direct Student b ehind over 150 days behind despite paying almost double the minimum payment monthly for over 2 years. Being concerned about my credit report I agreed to forebearance to bring current. I have requested that i have written explanation of this and resolution so going forward so funds can be applied appropriately but seeing the articles I am concerned that this matter wont be resolved I want the CFPB to publish this description on  consumerfinance.gov  so that others can learn from my experience.     The CFPB will take steps to remove my personal information from this description but someone  may  still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.               What would be a fair resolution to this issue?     Have the payment made to the separate account list on the payment forms, written letters to al l 3  credit agencies and correct the reports admitting to misappropriation of payments on their behalf with a letter for my own personal records What company is this complaint about?      COMPANY INFORMATION   XXXX   XXXX  Other information about this company What people are involved?       YOUR CONTACT INFORMATION  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , New York  XXXX  United States Sent to company STATUS Sent to company on  XXXX  We 've sent your complaint to the company, and we will let you know when they respond.     Their response should include the steps they took, or will take, to address your complaint.     You should receive an update from the company within the next 15 days, and a final response within 60 days.     Company responded STATUS Company responded Closed with explanation on  XXXX  RESPONSE TYPE Closed with explanation Company 's response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. ED-Navient currently services two  Direct Stafford Loans on  your behalf.  XXXX  currently services a  Federal Consolidation Loan  on your behalf. Your  Direct  Loans and Consolidation Loan require separate payments to different addresses. Our records indicate that payments of {$35.00} have been received for your   XXXX    serviced loan, which are insufficient to cover the full monthly payment amount. You can view your full payment history by logging into your account on  XXXX , selecting 'Account History ' from the menu, and selecting the time-period you wish to view. The monthly payment for your ED-  XXXX   loans is {$41.00} and is next due approximately   XXXX   XXXX   XXXX    . The monthly payment for your  XXXX  loan is {$320.00}, and is next due approximately   XXXX   XXXX   XXXX    . We offer several options for making electronic payments free-of-charge. You may submit a payment online at   XXXX    by using your checking or savings account. You can also authorize the automatic deduction of funds from your bank account by enrolling in  Auto  Pay. If you use e-billing through your bank or another third-party bill pay service, another payment option is to establish  XXXX  as the payee using your account number and  XXXX  's payment address. Please send payments for your ED- XXXX  loan to  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX . Please send payments for your  XXXX  serviced loan to  XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX . We 've conducted a thorough investigation stemming from your request that we review your credit report, which was completed. Based on the information available, our research has concluded that the information we 're reporting to the consumer reporting agencies is accurate and that no corrections are warranted. We have updated your credit report to reflect your disputed lo an ( s  ) as follows : Completed investigation of FCRA dispute - consumer disagrees. This narrative will be reflected on your credit report for each open loan you included in your dispute and will be included with our next update to the  Consumer Reporting Ag encies. If you wish to have this narrative removed from your credit report, please write to us at  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX . Please include your name, address, account/loan number  ( s  ), and indicate that you wish to have the dispute narrative removed from your credit report. The Fair Credit Reporting Act requires lenders who report information to the consumer reporting agencies to do so with accuracy.  XXXX  can not remove accurate information previously reported. We have confirmed our credit reporting is accurate.","date_sent_to_company":"2017-04-25T18:09:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10469","tags":null,"has_narrative":true,"complaint_id":"2466067","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-04-25T18:09:33.000Z","state":"NY","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The monthly payment for <em>your</em>  XXXX  loan is {$320.00}, and is next due approximately   XXXX   XXXX   XXXX    . We offer several options for making electronic payments free-of-<em>charge</em>. You may submit a payment online at   XXXX    by using <em>your</em> <em>checking</em> or <em>savings</em> <em>account</em>. You can also authorize the automatic deduction of funds from <em>your</em> bank <em>account</em> by enrolling in  Auto  Pay."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[13.857263,"2466067"]},{"_index":"complaint-public-v1","_id":"2466065","_score":13.857263,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted this claim prior but their response is still inaccurate . [  Case number :  XXXX  : YOUR COMPLAINT On  XXXX , I was contacted by  XXXX  and found out that payments made to  XXXX   XXXX  loans were only being applied to my  XXXX   XXXX . This has my  Direct Student  behind over 150 days behind despite paying almost double the minimum payment monthly for over 2 years. Being concerned about my credit report I agreed to forebearance to bring current. I have requested that i have written explanation of this and resolution so going forward so funds can be applied appropriately but seeing the articles I am concerned that this matter wont be resolved Hide full complaint What product or service is your complaint about?     PRODUCT OR SERVICE Student loan TYPE Federal student loan What type of problem are you having?       ISSUE Dealing with my lender or servicer HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?   No Additional information COLLEGE OR UNIVERSITY  XXXX   XXXX  NAME ON ACCOUNT  XXXX   XXXX   XXXX  DISPUTED COMPANY 'S RESPONSE?   No What happened?     On  XXXX , I was contacted by  XXXX  and found out that payments made to  XXXX   XXXX /Direct loans were only being applied to my  XXXX   XXXX . This has my  Direct Student  behind over 150 days behind despite paying almost double the minimum payment monthly for over 2 years. Being concerned about my credit report I agreed to forebearance to bring current. I have requested that i have written explanation of this and resolution so going forward so funds can be applied appropriately but seeing the articles I am concerned that this matter wont be resolved I want the CFPB to publish this description on  consumerfinance.gov so that others can learn from my experience.      The CFPB will take steps to remove my personal information from this description but someone   may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.\nWhat would be a fair resolution to this issue?\nHave the payment made to the separate account list on the payment forms, written letters to all   XXXX   credit agencies and correct the reports admitting to misappropriation of payments on their behalf with a letter for my own personal records What company is this complaint about?\nCOMPANY INFORMATION    XXXX   XXXX   Other  information about this company What people are involved?       YOUR CONTACT INFORMATION  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , New York  XXXX  United States Sent to company STATUS Sent to company on  XXXX  We 've sent your complaint to the company, and we will let you know when they respond.     Their response should include the steps they took, or will take, to address your complaint.     You should receive an update from the company within the next 15 days, and a final response within 60 days.     Company responded STATUS Company responded Closed with explanation on  XXXX  RESPONSE TYPE Closed with explanation Company 's response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. ED-Navient currently services  two Direct Stafford Loans  on your behalf.  XXXX  currently services a  XXXX   XXXX   XXXX  on your behalf. Your Direct Loans and Consolidation Loan require separate payments to different addresses. Our records indicate that payments of {$35.00} have been received for your Navient serviced loan, which are insufficient to cover the full monthly payment amount. You can view your full payment history by logging into your account on Navient.com, selecting 'Account History ' from the menu, and selecting the time-period you wish to view. The monthly payment for your ED- XXXX  loans is {$41.00} and is next due approximately  XXXX   XXXX ,   XXXX  . The monthly payment for your  XXXX  loan is {$320.00}, and is next due approximately  XXXX   XXXX ,   XXXX  . We offer several options for making electronic payments free-of-charge. You  may submit a payment online at Navient.com by using your checking or savings account. You can also authorize the automatic deduction of funds from your bank account by enrolling in Auto Pay.  If you use e-billing through your bank or another third-party bill pay service, another payment option is to establish  XXXX  as the payee using your account number and  XXXX  's payment address. Please send payments for your ED- XXXX  loan to  XXXX  Department of Education Servicing,  XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX . Please send payments for your Navient serviced loan to  XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX . We 've conducted a thorough investigation stemming from your request that we review your credit report, which was completed. Based on the information available, our research has concluded that the information we 're reporting to the consumer reporting agencies is accurate and that no corrections are warranted. We have updated your credit report to reflect your disputed loan  ( s  ) as follows : Completed investigation of FCRA dispute - consumer disagrees. This narrative will be reflected on your credit report for each open loan you included in your dispute and will be included with our next update to the  Consumer Reporting  Agencies. If you wish to have this narrative removed from your credit report, please write to us at  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX . Please include your name, address, account/loan number  ( s  ), and indicate that you wish to have the dispute narrative removed from your credit report. The Fair Credit Reporting Act requires lenders who report information to the consumer reporting agencies to do so with accuracy.  XXXX  can not remove accurate information previously reported. We have confirmed our credit reporting is accurate.","date_sent_to_company":"2017-04-25T18:09:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10469","tags":null,"has_narrative":true,"complaint_id":"2466065","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-04-25T18:09:33.000Z","state":"NY","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":["The monthly payment for <em>your</em>  XXXX  loan is {$320.00}, and is next due approximately  XXXX   XXXX ,   XXXX  . We offer several options for making electronic payments free-of-<em>charge</em>. You  may submit a payment online at Navient.com by using <em>your</em> <em>checking</em> or <em>savings</em> <em>account</em>. You can also authorize the automatic deduction of funds from <em>your</em> bank <em>account</em> by enrolling in Auto Pay."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[13.857263,"2466065"]},{"_index":"complaint-public-v1","_id":"2466063","_score":13.857263,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted this claim prior but their response is still inaccurate.  [  Case number :  XXXX  : YOUR COMPLAINT On  XXXX , I was contacted by  XXXX  and found out that payments made to  XXXX   XXXX   XXXX   XXXX   were only being applied to my  XXXX   XXXX . This has my  XXXX   XXXX  behind over 150 days behind despite paying almost double the minimum payment monthly for over 2 years. Being concerned about my credit report I agreed to forebearance to bring current. I have requested that i have written explanation of this and resolution so going forward so funds can be applied appropriately but seeing the articles I am concerned that this matter wont be resolved Hide full complaint What product or service is your complaint about?     PRODUCT OR SERVICE Student loan TYPE Federal student loan What type of problem are you having?       ISSUE Dealing with my lender or servicer HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?   No Additional information COLLEGE OR UNIVERSITY  XXXX   XXXX  NAME ON ACCOUNT  XXXX   XXXX  CONSUMER DISPUTED COMPANY 'S RESPONSE?   No What happened?     On  XXXX , I was contacted by  XXXX  and found out that payments made to   XXXX   XXXX  /  XXXX   XXXX   were only being applied to my  XXXX   XXXX . This has my  XXXX   XXXX  behind over 150 days behind despite paying almost double the minimum payment monthly for over 2 years. Being concerned about my credit report I agreed to forebearance to bring current. I have requested that i have written explanation of this and resolution so going forward so funds can be applied appropriately but seeing the articles I am concerned that this matter wont be resolved I want the CFPB to publish this description on  consumerfinance.gov  so that others can learn from my experience.     The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.               What would be a fair resolution to this issue?     Have the payment made to the separate account list on the payment forms, written letters to all  3  credit agencies and correct the reports admitting to misappropriation of payments on their behalf with a letter for my own personal records What company is this complaint about?      COMPANY INFORMATION   XXXX   XXXX  Other information about this company What people are involved?       YOUR CONTACT INFORMATION  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , New York  XXXX  United States Sent to company STATUS Sent to company on  XXXX  We 've sent your complaint to the company, and we will let you know when they respond.     Their response should include the steps they took, or will take, to address your complaint.     You should receive an update from the company within the next 15 days, and a final response within 60 days.     Company responded STATUS Company responded Closed with explanation on  XXXX  RESPONSE TYPE Closed with explanation Company 's response Thank you for reaching out to the CFPB with your concerns regarding your student loan account.  XXXX - XXXX  currently services  two   Direct Stafford Loans  on your behalf.  XXXX  currently services a  Federal Consolidation Loan  on your behalf. Your Direct Loans and Consolidation Loan require separate payments to different addresses. Our records indicate that payments of {$35.00} have been received for your   XXXX    serviced loan, which are insufficient to cover the full monthly payment amount. You can view your full payment history by logging into your account on   XXXX  , selecting 'Account History ' from the menu, and selecting the time-period you wish to view. The monthly payment for your  XXXX  loans is {$41.00} and is next due approximately    XXXX   XXXX   XXXX     . The monthly payment for your  XXXX  loan is {$320.00}, and is next due approximately    XXXX   XXXX   XXXX     . We offer several options for making electronic payments free-of-charge. You  may  submit a payment online at   XXXX    by using your checking or savings account. You can also authorize the automatic deduction of funds from your bank account by enrolling in  Auto  Pay. If you use e-billing through your bank or another third-party bill pay service, another payment option is to establish  XXXX  as the payee using your account number and  XXXX  's payment address. Please send payments for your  XXXX  loan to  XXXX    XXXX   XXXX   XXXX    XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX . Please send payments for your   XXXX   serviced loan to  XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX . We 've conducted a thorough investigation stemming from your request that we review your credit report, which was completed. Based on the information available, our research has concluded that the information we 're reporting to the consumer reporting agencies is accurate and that no corrections are warranted. We have updated your credit report to reflect your disputed loan  ( s )  as follows : Completed investigation of FCRA dispute - consumer disagrees. This narrative will be reflected on your credit report for each open loan you included in your dispute and will be included with our next update to the  Consumer Reporting A gencies. If you wish to have this narrative removed from your credit report, please write to us at  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX . Please include your name, address, account/loan numbe r ( s  ), and indicate that you wish to have the dispute narrative removed from your credit report. The Fair Credit Reporting Act requires lenders who report information to the consumer reporting agencies to do so with accuracy.  XXXX  can not remove accurate information previously reported. We have confirmed our credit reporting is accurate.","date_sent_to_company":"2017-04-25T18:09:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10469","tags":null,"has_narrative":true,"complaint_id":"2466063","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-04-25T18:09:33.000Z","state":"NY","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":["The monthly payment for <em>your</em>  XXXX  loan is {$320.00}, and is next due approximately    XXXX   XXXX   XXXX     . We offer several options for making electronic payments free-of-<em>charge</em>. You  may  submit a payment online at   XXXX    by using <em>your</em> <em>checking</em> or <em>savings</em> <em>account</em>. You can also authorize the automatic deduction of funds from <em>your</em> bank <em>account</em> by enrolling in  Auto  Pay."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[13.857263,"2466063"]},{"_index":"complaint-public-v1","_id":"9024598","_score":13.786591,"_source":{"product":"Mortgage","complaint_what_happened":"I was in a XXXX XXXX XXXX against Wells Fargo 's criminal actions against its customers back in XXXX. \n\nI received a check for less than {$2000.00}, less than 1 % lost, more than 10 years later from this lawsuit. Over the years, this problem with Wells Fargo caused my credit to be much lower than it should have been - causing multiple problems and additional money to me. \n\nYour XXXX XXXX stated this : Wells Fargo is one of the most powerful banks in the world. Unlike some other massive XXXX. \nXXXX, Wells Fargo primarily concentrates on consumer banking. One in three American households are customers and are affected by its corporate culture and business practices. \nIn the CFPBs XXXX years of existence, Wells Fargo has consistently been one of the most problematic repeat offenders of the banks and credit unions we supervise : In 2015, CFPB ordered Wells Fargo to pay {$24.00} XXXX in penalties for its role in an illegal mortgage kickback scheme. \nIn XXXX, it paid {$4.00} XXXX to the CFPB for scamming student loan borrowers. A few months later, the CFPB fined Wells Fargo {$100.00} XXXX for its fake account fraud. \nIn XXXX, the CFPB assessed a {$1.00} XXXX fine for illegal fees and insurance practices in its auto lending and mortgage lending business. \nThe list could go on and on, from defrauding the government to labor abuses and more. \nThe Department of Justice, state attorneys general and other federal regulators have obtained billions more in forfeitures, including civil and criminal fines. \nPut simply, Wells Fargo is a corporate recidivist that puts one third of American households at risk of harm. Finding a permanent resolution to this banks pattern of unlawful behavior is a top priority. Today, CFPB is announcing an important step toward that goal : restitution for victims of XXXX XXXX widespread illegal activities. \n\nLaw Enforcement Action Today, the CFPB is ordering Wells Fargo to pay more than {$2.00} XXXX in redress to over XXXX XXXX consumers and a {$1.00} XXXX civil penalty for widespread illegal activity across its major product lines for which it has never been held to account. The banks illegal conduct ( XXXX ) XX/XX/XXXX, XXXX XXXX  Prepared Remarks of CFPB XXXX XXXX XXXX XXXX the Wells Fargo XXXX XXXX XXXX XXXX Consumer Financial Protection XXXX https : XXXX XXXX led to billions of dollars in financial harm to its customers and, for thousands of customers, the loss of their vehicles and homes. \nBetween at least XXXX and XXXX, consumers were illegally assessed fees and interest charges on auto and mortgage loans, had their cars wrongly repossessed, and had payments to auto and mortgage loans misapplied by the bank. Consumers were also charged unlawful surprise overdraft fees and had other incorrect charges applied to their checking and savings accounts. \nIndividuals affected by illegal conduct related to the banks auto finance business line will receive more than {$1.00} XXXX ; those affected by violations related to deposit accounts will receive more than {$500.00} XXXX ; and mortgage servicing customers will receive at least {$190.00} XXXX. \nThis milestone in accountability and reform of Wells Fargo would not be possible without the cooperation and support from the broader law enforcement and regulatory community, including the Office of the Comptroller of the Currency and the Federal Reserve. \nWe see this as an initial step to bring relief quickly to families who had their cars illegally possessed, who were tricked into seeing their accounts drained by illegal junk fees, and who had their accounts frozen without cause. \n\nFirst Step Toward Long-Term Reform While todays order addresses a number of consumer abuses, it should not be read as a sign that Wells Fargo has moved past its longstanding problems or that the CFPBs work here is done. Importantly, the order does not provide immunity for any individuals, nor, for example, does it release claims for any ongoing illegal acts or practices. \nWhile {$3.00} XXXX may sound like a lot, the CFPB recognizes that this alone will not fix XXXX XXXX fundamental problems. Over the past several years, Wells Fargo executives have taken steps to fix longstanding problems, but it is also clear that they are not making rapid progress. We are concerned that the banks product launches, growth initiatives, and other efforts to increase profits have delayed needed reform. \nWe will continue our work with the other federal banking regulators to end the rinse-repeat cycle of consumer abuse at this firm. After the CFPB and law enforcement partners took action against Wells Fargo in XXXX for its fake account fraud, other agencies used their authorities to restrict XXXX XXXX activities and hold certain executives accountable. As regulators, we must collectively consider whether additional limitations need to be placed on Wells Fargo to supplement the existing asset cap put in place by the Federal Reserve Board of Governors in 2018, as well as the Office of the Comptroller of the Currencys mortgage servicing restrictions imposed in 2021. Our nations banking laws provide strong tools to ensure that insured depository institutions do not breach the public trust, and in the new year we expect to work with our fellow regulators on whether and how to use them. \n\nWells Fargo tricked me by putting a XXXXXXXX XXXX XXXX ( which I NEVER used ), replacing my Home Equity Line of Credit behind the user interface of cash disbursements meant for the Line of Credit account. I used it as usual since I thought it was the XXXX XXXX XXXXXXXX account. But, as you know, cash disbursements done on credit cards ensue exorbitant interest. Since I didn't know this was happening for months, additional penalties and extremely high interest rates were being added to the credit card. Until I started getting calls that I owed an extreme amount of money to my credit card - which I truly NEVER used - except it was placed behind the user interface that was normally used for my business line of credit previously. I started taking money from my retirement account until it was completely depleted to keep my mortgage payments and credit cards paid, thinking this would get straightened out eventually, but it never did. \n\nFinally, I went to a lawyer who told me they were forcing me into bankruptcy. Though I paid the lawyer to help me, I never went through bankruptcy because I thought it unfair to have that on my credit record. For years, Wells Fargo got away with putting bad marks on my credit record. After the class action lawsuit, my excellent credit was reinstated. However, I got less than 1 % of the total money lost from their criminal behavior towards me- which amounted to less than {$2000.00} more than 10 years after the behavior occurred. \n\nI want to see Wells Fargo shut down permanently!!! I also, of course, want proper restitution. Its difficult to add up the complete cost over these many years of the severe abuse down by Wells Fargo so many years ago - but {$250000.00} ( a conservative statement of the financial loss at the time ), over a 16 year period ( with another very conservative interest rate of loss of 5 % per year, would amount to {$540000.00} I will keep writing you until restitution is achieved of at least {$540000.00} Please send me a response to my mailing address at : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My cell phone number is XXXX Thank you for your attention to this matter. \n\nMost Sincerely, XXXX XXXX","date_sent_to_company":"2024-05-16T21:14:52.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"875XX","tags":"Older American","has_narrative":true,"complaint_id":"9024598","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-05-16T20:25:34.000Z","state":"NM","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["Between at least XXXX and XXXX, consumers were illegally assessed fees and interest <em>charges</em> on auto and mortgage loans, had their cars wrongly repossessed, and had payments to auto and mortgage loans misapplied by the bank. Consumers were also charged unlawful surprise overdraft fees and had <em>other</em> incorrect <em>charges</em> applied to their <em>checking</em> and <em>savings</em> <em>accounts</em>."]},"sort":[13.786591,"9024598"]},{"_index":"complaint-public-v1","_id":"6917662","_score":11.805084,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX Problem repeated XX/XX/XXXX XXXX Print complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Checking or savings account ISSUE Managing an account We received your complaint. Thank you. \n\nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT When bank didnt cancel the fraudulent duplicate payment criminally processed through my account or through technical error, I called and informed them of such lack of oversight on XX/XX/XXXX. I received a nonsensical approach to the matter that diverted from their normal business practices that requested that I call back once the transaction was done processing after a week. There are different categories of bank accounts and such balances required do not always exceed {$15000.00}. However, in my case, two duplicate charges of {$10000.00} usually causes a phone call or something more extreme, such as cancelling or voiding the transaction, which can also upset me when the transactions are intended. However, in this case they were not and they expected me to simply mask this lack of oversight and support with requesting that I call the lender to request a refund of the duplicate charge. The lender in question is never interested in such since this is not the first time that the lender has received more than two payments exceeding three to four times the minimum amount due. Furthermore, the following messages were also sent to XXXX. -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX XXXX XXXX XXXX Date : Friday, XX/XX/XXXX Subject : Frequency of Cyber-Enabled Financial Crimes Fraud After Filing Reports with CFPB To : XXXX XXXX : XXXX, XXXX Good morning, Bank of America would not dispute the transaction according to normal business conduct, instead they are waiting a week and my concern is that they will not put their response in any type of writing, reflecting past criminal activities where my account was affected in this manner that resembled sting operation training with no basis for prosecution rather than just going through the process in form, and in the meantime ensuring the consequences of such misuse to my account, which would include, rejecting any transactions coming through to my account. Thank you for your attention. Respectfully, XXXX XXXX XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX XXXX XXXX Date : Fri, XXXX XXXX, XXXX at XXXX Subject : Re : Your available account balance is low To : XXXX, XXXX Good morning, This message is to report that when I called at approximately XXXX AM PST that Bank of America customer service agaiXXXX misinformed me that the second duplicate Online Bill Payment in the amount of {$10000.00} that was pending on XX/XX/XXXX could not be disputed although it cleared this morning on XX/XX/XXXX. It was communicated to me on XX/XX/XXXX that once the transaction cleared, that it could be disputed. Having XXXX simply refund the amount only looks as if I overpaid any amount due, which would be the case, and would not treat the transaction as a fraudulent transaction or technological error, both produced through Bank of America in their error, including allowing a third party to access online bill pay for such illegal means, while making it difficult to access such online features for myself. This type of activity would not be new to Bank of America, as reported yesterday. -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX XXXX XXXX Date : Thu, XXXX XXXX, XXXX at XXXX Subject : Re : Frequency of Cyber-Enabled Financial Crimes Fraud After Filing Reports with CFPB To : XXXX Cc : XXXX, XXXX Good afternoon, Please see the attached picture of such duplicate transaction created by the fraudulent security project. Again the concern here is moving me to the front of the line for an activity that I would otherwise be selected for at random, and having the ability to do that numerous times. Thank you. Respectfully, XXXX XXXX XXXX XXXX On Thu, XXXX XXXX, XXXX at XXXX Vernica XXXX XXXX XXXX XXXX wrote : Good afternoon, The following incidents were reported to the CFPB, and the fraudulence in such arising security projects, aside from aggressive tactics in other forms, arose right before the third incident, while evidence that such predatory practices of illegitimate purposes were well underway and within the timeline of activities in corresponding services made through the bank and the CFPB after the second incident. At this point, after the lack of success involving the third incident, and other activities associated with my CFPB account that remained unresolved or temporarily, such as the XXXX XXXX case that was overturned and reinvestigated several times or the XXXX XXXX case that did not go anywhere, I do not believe that initiating an additional case with the CFPB will be successful but that this activity, as the FTC states is within the role of such bureau to receive, even if ineffective or damaging to the claimant. The fraudulent security project that took a retaliatory step in including my account for such reason now a fourth time, with the third time being the time that I had to open a new checking account to have my funds transferred from this account, because such fraudulent security projects involved me in their investigation scams and fr [ oze ] my funds outside of any legitimate investigation leading to prosecution, and such has been the case since XXXX, aside from allowing the mismanagement of my information for inspection by XXXX XXXX representatives for inclusion in their advertising and marketing events. I have completely no knowledge. They all come across as legitimate bank errors or security investigations, i.e. when law enforcement seizes funds under a legitimate investigation. However, there is no reason for prosecution, and I have waited for such prosecution and none occurred. ( XXXX ) My current account allowed the [ Dept of Education ] to withdraw a payment not within the terms of my contract that placed it into an overdrawn status without notification that such occurred ; Bank of America and the Department of Education would have records of the transaction that was in dispute around XXXX. ( 2 ) My current account was frozen sometime between XXXX XXXX ; Bank of America would have information on the first seizure ( freezing ) of the account. ( 3 ) At the time my current account had to be closed because the funds were frozen and were allowed to be released into a different bank account ; Even in the case where I was told I needed to transfer to a new bank account, when it came time to dispute the related charges for such recommended activity because the bank could not protect my information, they then spoke in the context that I had freely selected such action outside of the context for the reason of opening such account, i.e. irrespective of the fraudulent temporary seizure of my funds. Bank of America would have records of the seizure affecting my current account and the date the second account was opened ( 4 ) XX/XX/XXXX : The second duplicate bill pay transaction was a product of a technical error that I believe was produced out of malic [ e ] and fraud related to the credit condition that would stand after its payment, and that because such stance would be positive, such error was created to create a delinquent view o [ f my ] finances. When I called the customer service center twice, I was not able to quickly report and process this second transaction, and was juggled not only by the automated answering service, but I also experienced technical errors when speaking to both customer service agents, one in that the first could not hear me and needed each piece of information duplicated and the second stated that she could simply not dispute the second bill pay amount. Bank of America, NXXXX, and XXXX XXXX XXXX, would have information regarding the XX/XX/XXXX transaction in dispute. Technical Errors Affecting Routing of Calling System I received fast busy signals XXXX times when calling the XXXX and was automatically treated like a regular bank account status request call instead of a transaction dispute or security and fraud investigation request. https : XXXX Report fraudulent or suspicious activity Credit card charges Log into Online Banking and follow the instructions. ATM or debit charges XXXX Mortgage accounts XXXX XXXX XXXX XXXX XXXX. ( local time ) Home equity accounts XXXX XXXX XXXX XXXX XXXX. ( local time ) Online Banking XXXX All other XXXX XXXX ( international collect ; cell phone roaming charges may apply ) MonFri XXXX XXXX XXXX ( local time ) XXXX XXXX XXXX XXXX. ( local time ) Spanish XXXX MonFri XXXX XXXX XXXX. ( local time ) XXXX XXXX XXXX XXXX ( local time ) I was offered the following phone number for Online Bill Pay Fraud, XXXX XXXX XXXX, and such number was never disclosed on the Bank of America website, and this may be the number that the first and second customer service agent transferred me to, but I could not connect to a live person to explain my dispute through their transfer, or through calling the numbers associated with Online Bill Pay through either of those means. The second phone number that she provided during the second customer service call was XXXX and such number presented the same prompts as XXXX XXXX XXXX before it attempted to direct me to the general account services phone number voice prompts, and then it did. I could not receive adequate support for this specific issue on the account. I received the same type of general account services support that I would receive for a debit card transaction that did not apply to this transaction, and not one that would go into specific detail about the fraudulent security project that took a retaliatory step in including my account for such reason now a fourth time, with the third time being the time that I had to open a new checking account to have my funds transferred from this account, because such fraudulent security projects involved me in their investigation scams and fr [ oze ] my funds outside of any legitimate investigation leading to prosecution, and such has been the case since XXXX, aside from allowing the mismanagement of my information for inspection by XXXX XXXX representatives for inclusion in their advertising and marketing events. Notice : This message and any attachments may only be intended for the named and/ or addressed recipient ( s ). Its contents ( including any attachments ) may be legally privileged or otherwise protected from disclosure by law, confidential and/or proprietary information about XXXX, or its customers, which XXXX, does not intend to disclose to the public. Unauthorized use, copying, distribution or disclosure of any of it may be unlawful and is strictly prohibited. The owner of this account assumes no responsibility to persons other than the intended named and addressed recipient ( s ), no responsibility to any persons in cases of unsolicited electronic junk or spam messages sent using the address of this account or use of the account without authorization of its owner, and does not accept liability for any errors or omissions which are a result of email transmission. If you have received this message by mistake, please immediately notify the sender by reply email and confirm that the original message and any attachments and copies have been destroyed and deleted from your system. \n\nView full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days.","date_sent_to_company":"2023-05-02T17:50:12.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"91789","tags":null,"has_narrative":true,"complaint_id":"6917662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-05-02T17:46:37.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["XX/XX/XXXX <em>Problem</em> repeated XX/XX/XXXX XXXX Print complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT <em>Checking</em> or <em>savings</em> <em>account</em> ISSUE Managing an <em>account</em> We received <em>your</em> complaint. Thank you. \n\nWe will review <em>your</em> complaint."],"product":["<em>Checking</em> or <em>savings</em> <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[11.805084,"6917662"]},{"_index":"complaint-public-v1","_id":"11004727","_score":9.658055,"_source":{"product":"Credit card","complaint_what_happened":"In XXXX after many attempts to get all the fraudulent charges removed off closed cards. Chase reported to the Credit Agencies that I closed my credit cards, that fraudulent charges were valid, and said I have late payments. All XXXX cards were closed involuntarily by Chase with 5 lawyer retainers in dispute. XXXX XXXX and XXXX XXXX was removed when the card was closed and 3 reversed back XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX de la XXXX XXXX. All lawyers under investigation with the Florida Bar Association, I sent this information CERTIFIED MAIL to Chase with new information showing investigation #, contact information, court papers and emails that all attorneys withdrew and then when I called Corporate office XXXX they said not received. Then I was sent on a goose chase, where they said would not reopen unless I faxed in from a branch. So I drove to XXXX, faxed in over 30 pages and kept calling every week to remove {$22000.00} off my credit, I was told still investigating and then in XXXX received collection calls and texts missed payment, I called the credit agencies and was told my XXXX now XXXX when it was XXXX! Derrogatory reporting from Chase who said to XXXX, XXXX, and XXXX that it was not fraud and I closed the account and did not pay, So I consulted with Debt collection lawyers who advised me to file a police report and they will help me fix with the credit agencies, However Chase is suppose to remove the fraud charges from the closed accounts and report to the agencies that Chase closed the accounts due to fraud. I never volunteered to close my account, I used my business card for my property management company and had over XXXX vendors on autopay, so it was a painful experience and damaged my business as my Insurance company did not reinstate me and now my policy binder is higher without autopay, Also my XXXX has to be over XXXX or my credit lines decreased ( have over XXXX in credit ) and now when I want to do a flip charged XXXX % because of bad XXXX when I usually pay XXXX % so a business loan is costing me $ XXXX more a month in interest payments on my XXXX XXXX loan to flip. I need this corrected immediately and the derrogatory reporting removed because I never had a late payment with Chase or any of my other XXXX credit cards, On XX/XX/XXXX I emailed and faxed to Corporate Chase # XXXX XXXX XXXX CFPB XXXX FTC XXXX I told Corporate that my rights of FCRA is being violated, my business credit is damaging and I demanded the charges be removed permanently just as the other 2 were removed. I was told when the account was closed that all 5 charges were permanently removed and I paid the balance of the valid charges off when the card was closed over {$5000.00}. I am very upset that after XXXX years as a Private client that Chase would allow FRAUD charges to remain on my credit! Chase should have closed cards that had retainers ( whole foods was closed for no reason ) and have sent a letter stating I could no longer use credit cards to pay retainers. I was punished after being scammed and this is horrible how Chase has ignored my emails and correspondence, After I faxed in police reports and new information, a letter was mailed saying that they did not contact me because I put a cease and assist, which is false. I wrote a handwritten letter explaining I said stop collection texts and calls saying I owed money when there is not suppose to be a balance. I demanded the money taken off the closed cards and that Chase corporate could call me to tell me this is fixed. \nAgain no response by email, phone or letter. Chase is horrible and now I have to get a lawyer to help me because I can not refinance, take out a loan, or do anything with credit until Chase takes this {$22000.00} off the closed cards, fixes the reporting to state balance was XXXX when closed in XX/XX/XXXX, and that I was never late. \nI want my XXXX back and I will never use Chase credit cards again, I dont have these problems with XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase does not respect their clients and should pay me for the damage to my business as I suffered since XXXX fighting disputes from con artists, EMAIL TO CHASE XX/XX/XXXX BEGGING TO REMOVE CHARGES : I WILL FAX IN MY REQUEST TO CHASE TO FIX THE CREDIT REPORTING, REMOVE 3 CHARGES PERMANENTLY AND REMOVE LATE REPORTING AND DERROGATORY INFORMATION FROM ALL 3 CREDIT AGENCIES IMMEDIATELY! WILL FAX FRIDAY, XX/XX/XXXX FROM A CHASE BRANCH THIS EMAIL SIGNED TO : XXXX Documents sent to Chase certified mail, fax from branch XX/XX/XXXX, and letter from Florida Bar that lawyers are under investigation. Again no response or help from Chase Executive Office is ignoring my requests. \nI ATTACHED MY PROOF AGAIN. \n\nALSO I DID MAKE A {$300.00} PAYMENT WHILE IN DISPUTE. According to the XXXX the cap is {$50.00} per charge so 3 charges are still on closed accounts : Federal law ( the Fair Credit Billing Act, or FCBA ) sets out a dispute process to help you get those mistakes fixed on credit cards and revolving charge accounts ( like open-end credit accounts ). Unauthorized charges. Federal law limits your responsibility for unauthorized charges to {$50.00}. \n\nUsing Credit Cards and Disputing Charges | Consumer Advice The XXXX protects consumers from : Fraudulent charges Limits liability to {$50.00} if reported within 60 days of receiving the statement IT IS ILLEGAL TO DAMAGE MY CREDIT ON FRAUDULENT CHARGES. ALL OF THE LAWYERS ARE UNDER INVESTIGATION WHICH TAKES YEARS AND NOTHING WAS DONE REASONABLY WHEN I WAS TOLD LAST REVERSAL OF DISPUTE THAT ALL OF THE 5 CHARGES WOULD BE PERMANENTLY CREDITED AFTER SUBMITTED THIRD PARTY LETTER FROM ANOTHER LAWYER STATING A RETAINER WAS TAKEN AND SERVICES NOT DONE. 2 OF THE 5 CHARGES WERE CREDITED SO SOMEBODY MADE A MISTAKE IN THE BACK OFFICE, PLEASE LOOK AT THIS ARTICLE, THIS IS A SCAM THROUGHOUT FLORIDA : XXXX : XXXX Clients say ANOTHER XXXX lawyer disappeared, Florida Bar didnt warn them of his past : XXXX XXXX I consulted with him last year! Website still up after stealing {$80000.00} and going on a XXXX  XXXX. \nClients say XXXX lawyer disappeared, Florida Bar didnt warn them of his past Clients say XXXX lawyer disappeared, Florida Bar didnt warn them of his past Clients say XXXX lawyer XXXX, XXXX \n\n\nSource : XXXX XXXX XXXX investigating 3 years, he still shows good standing!! \nXXXX XXXX XXXX XXXXXXXX And hes still on XXXX, still website up, taking others people money and not doing work.!! \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  - XXXX XXXX, FL HE HAS TAKEN XXXX  FROM CLIENTS AND FLORIDA BAR STILL SHOWS IN GOOD STANDING!! THE SYSTEM IS FLAWED! \n\n\n**CONSUMER FINANCIAL PROTECTION BUREAU IS NOT PROTECTING CONSUMERS AND I SHOULD NOT BE A VICTIM AGAIN AS THE BROKERS STOLE OVER {$130000.00} IN SAVINGS,, THEN COURT JUDGMENTS FROM DEFAULTS AND LAWYER NEGLECT OVER {$50000.00} IN SANCTIONS, AND NOW {$22000.00} IN FRAUD CHARGES RUINING MY STELLAR CREDIT AND MY BUSINESS RELIES ON MY CREDIT!! \n\nPLEASE REVIEW THE COURT DOCKETS AS YOU WILL SEE THE ATTORNEYS ALL WITHDREW AFTER TAKING RETAINER, IT IS A SCAM. \nCase Search - Public - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Public - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM SURE YOUR INHOUSE COUNSEL CAN CONFIRM ALL 5 LAWYERS WITHDREW OFF 5 CASES AND SEE THE SANCTIONS AND JUDGMENTS I RECEIVED FROM THEIR NEGLECT! \n\nXXXX- XXXX XXXX case lost {$8000.00} XXXX  XXXX XXXX XXXX XXXX - XXXX case lost {$60000.00} XXXX CA XXXX XXXX - XXXX XXXX  case lost {$22000.00} + title company forged release XXXX XXXX XXXX XXXX XXXX XXXX case lost {$7000.00} XXXX  cash lawyer never filed anything XXXX  XXXX XXXX XXXX - XXXX case lost $ XXXX XXXX XXXX, $ XXXX house Lender Malpractice was cleared to close XXXX XXXX THE DECISION FOR CHASE TO CREDIT 2 OUT OF 5 MAKES NO SENSE WHEN ALL 5 ATTORNEYS DID FRAUD. ALSO CHASE NEVER CONTACTED TO BAR ASSOCIATION TO CONFIRM THE LAWYERS UNDER INVESTIGATION. While I was fighting these disputes XXXX XXXX ( XXXX XXXX partner who charged my card on XX/XX/XXXX has his license revoked, and XXXX is next ) XXXX XXXX XXXXXXXXXXXX XXXX XXXX PHONE NUMBER # XXXX FROM XXXX MONDAY TO FRIDAY INVESTIGATION NUMBERS : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX Florida Bar already had a disciplinary proceeding underway against the attorney that began more than XXXX years ago. XXXX XXXX XXXX The system is flawed. I am a victim of brokers kept deposits, Thereafter lawyers took money without getting deposits back, and then after those crimes Chase reverses fraud charges damaging credit! 3 times a victim from these crimes. Private client and Business with Chase over 30 years!! My first mortgage in XXXX with Chase to purchase XXXX XXXX XXXX XXXX NY XXXX which I paid off mortgage early in XXXX. \n\nI have never missed any payments with any of my loans or credit cards that i always paid balance in full every month. \nBefore this fraud happened on my credit cards my XXXX was XXXX it IS NOW AT XXXX BELOW STANDARDS FOR ANY CREDIT OR LOANS!! \nI never had any missed payments and excellent credit. Now the only scar and derogatory reporting is from Chase. \n\nCredit reports state : Accounts closed by customer, THIS IS FALSE. XX/XX/XXXX Chase closed XXXX credit cards without notice due to Fraud. \n\nSecond showing a balance, when cards closed disputed charges ALL 5 were suppose to be permanently credited. Cards were suppose to be closed with XXXX balances. In XXXX I paid over {$5000.00} for the other services charged to card. I did not pay to fraud reversed charges. \nXXXX XXXX {$5000.00} XXXX XXXX {$10000.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$7000.00} All reversed twice and interest accruing since XX/XX/XXXX also alerts stating missed payments and collections calls. I told them to cease the texts and calls from collections NOT to stop the investigation. \n\nI NEVER STATED TO NOT CALL ME TO REMOVE DISPUTED CHARGES. I STATED I SHOULD NOT BE IN COLLECTIONS AS I HAVE NEVER MISSED ANY PAYMENTS AND DID PAY OFF THE OTHER VALID CHARGES THAT WAS NOT FRAUD, MY XXXX HAS DROPPED XXXX POINTS AND THIS MUST BE CORRECTED SO I CAN DO LOANS FOR MY BUSINESS!! THIS ERROR IS DAMAGING MY INCOME!! \n\nI REPORTED THIS CRIME AND FILED POLICE REPORTS. I HAVE BEEN A PRIVATE CLIENT AND BUSINESS CONSUMER WITH XXXX OVER 30 YEARS. I NEVER MISSED ANY PAYMENTS AND WHEN MY XXXX CARDS WERE OPEN WITH OVER XXXX IN CREDIT, I ALWAYS PAID BALANCE IN FULL EVERY MONTH. MY FIRST MORTGAGE WITH XXXX IN XXXX I PAID OFF EARLY AND NEVER HAD A LATE PAYMENT. THIS ERROR ON MY CREDIT REPORTS IS DEFAMATION OF MY CHARACTER AND REFLECTS BAD CREDIT! Section XXXX ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. \n\nCHASE NEVER SHOWED ME HOW THEY DETERMINE 3 FRAUD CHARGES OR VALID, WHEN ALL 5 CHARGES THE SAME. LAWYERS CHARGED AND PROMISED TO FILE MOTIONS, THEN WITHDREW WITHOUT DOING ANY MOTIONS TO RETRIEVE MY DEPOSITS ON ALL 5 CASES, CHASE DID NOT CHECK THE DOCKETS AND SEE THAT ALL 5 LAWYERS WITHDREW AFTER TAKING MY MONEY!! \nTHERE IS NOTHING VALID OR REASONABLE TO DAMAGE MY CREDIT AND DEMAND I PAY FOR FRAUDULENT CHARGES!! \n\n\nPLEASE REMOVE THESE 3 CHARGES AND CORRECT REPORTING TO AGENCIES THAT I WAS NEVER LATE, THERE WAS FRAUD, AND I DID NOT CLOSE THE ACCOUNT. CHASE CLOSED THE ACCOUNTS INSTEAD OF JUST GIVING ME A NEW ACCOUNT NUMBER AND NOT CAUSING ME MORE FINANCIAL HARM. MY XXXX IS MY LIVELYHOOD. THIS IS DAMAGING MY ABILITY TO GET A LOAN AND MAKE MONEY WITH MY BUSINESS. \n\nXXXX XXXX XXXX XXXX loyal customer of XXXX years","date_sent_to_company":"2024-12-04T02:39:26.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"11004727","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-12-04T01:38:01.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["According to the XXXX the cap is {$50.00} per <em>charge</em> so 3 <em>charges</em> are still on closed <em>accounts</em> : Federal law ( the Fair Credit Billing Act, or FCBA ) sets out a dispute process to help you get those mistakes fixed on credit cards and revolving <em>charge</em> <em>accounts</em> ( like open-end credit <em>accounts</em> ). Unauthorized <em>charges</em>. Federal law limits <em>your</em> responsibility for unauthorized <em>charges</em> to {$50.00}."],"issue":["<em>Problem</em> with a purchase shown on <em>your</em> statement"],"sub_product":["General-purpose credit card or <em>charge</em> card"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on <em>your</em> statement"]},"sort":[9.658055,"11004727"]},{"_index":"complaint-public-v1","_id":"3424526","_score":8.160149,"_source":{"product":"Mortgage","complaint_what_happened":"RE : XXXX XXXX NMLS ID XXXX Personal Banker, Discover Home Equity Loans XXXX XXXX ext. XXXX My office hours are [ Monday-Friday ] from [ XXXX ] ET [ XXXX ] ET. \n\nP.S. You can upload documents, view your application status, and access helpful tips and tools using your secure online account. Simply visit the link below to register or login : DiscoverHomeEquityLoans.com/login Plus, here are a couple of other ways to send us documents : Fax : XXXX Mail : XXXX XXXX XXXX, XXXX, AZ XXXX XXXX Discover Bank, Member FDIC | NMLS ID XXXX I have found Disocver with many lies/inconsistencies with the information given to me during the LOAN PROCESS! \n\n-- The First time I applied I was told I was denied as a result of TITLE ERROR -- Then I get e-mails saying I was denied due to Debt/Income -- Every time I speak with someone different the process gets more confusing and I get different responses -- Last Night when speaking with the SUPERVISOR XXXX He said that in regards to Discover Guidelines the income of an individual belongs to the INDIVIDUAL and can not be counted unless added as a CO-BORROWER. \n\n-- - Discover admited that they can take VOLUNTARY Statment in regards to the welfare of a CHILD and counting Income for the child as A CHILD can not be added as a BORROWER to the application -- - The Supervisor tried to tell me that I stated that my FATHER was paying child support which is not true. When speaking with XXXX I was VERY CLEAR that GRANDPA sent funds to help out with the Family on A regular basis and she in order to count that income asked if I could get my Father to sign a voluntary Agreement that he would continue to send his Gracious help/support to the Family. I told her that was rude and I did not feel comfortable asking GRANDPA to COMMIT to and sign a voluntary agreement as the Help that he already provides is Gracious & GENeroUS enough! \n\n\n-- - I have E-mails from XXXX XXXX that states they she in fact can accept VOLUNTARY Statement in regards to the welfare & SUPPORT of CHILDREN! \n\n-- - My partner and I are not married. We are lifelong partners. We share joint accounts and a child together. I do not think it's fair lending practice to ask me to get a DSHS or a Court ordered separation agreement as we are life long partners and will be together for the rest of our lives. \n\n\n\nIt is our RELIGIOUS right in the eyes of GOD to recognize ourselves as Husband/Wife together especially since we share A CHILD! If all you have to do is have faith in Jesus to be saved does the Word of GOD require man/woman to be recognized by the US GOVERMENT? The word of GOD says A MAN leaves his mother to become one flesh with his partner/wife. If all I have to do is call on the name of XXXX to be saved in the same way GOD by our faith recognizes our marriage because we have joined together as A PARTNERSHIP Husband and WIFE.\n\nSo, even though we are NOT RECOGNIZED by the local State government with a Certificate we are recognized in the eyes of the LORD GOD ABOVE. Even common Law would most likely recognize us as married as we have been together that long and my daughter will be turning XXXX this year! \n\n\nMay I ask this??? If their guidelines say that income is declard by individual? Does not LAW state that a HUSBAND and WIFE can equally share their income??? That is if I consdider my income and she visa versa considers her income my income does that not mean we can each CLAIM each other 's income???\n\nIN the same way can't we VOLUNTARILY claim the income we use for our CHILD?\n\nThey state their guidlines allow ONE BORROWER even if both are listed on Deed ... So if we by RELIGIOUS reasons Consider ourselves married does that not mean I am allowed to Count her INCOME as MY INCOME. \n\nIf I were to go down to SOCIAL SECURITY or DSHS they would LEGALLY by GOVERMENT LAW count our income as ONE!!!\n\n-- We are JOINT Shared in common Tennants on the Property. Discover made sure that we had to verify/correct the title information before they would even continue with the Loan Process!\n\n-- - I have spent HOURS on the PHONE. Hours on uploading.. Hours on Scanning. I have jumped through every hoop requested by Discover Bank to keep up with their requests!\n\n-- - I was told that because of my partners score we would mostly likely both be automatically DECLINED.\n\n-- -I don't understand why they are so \" STRICT '' about her score with a SECURED LOAN but they will gladly add my partner and anyone else to my Credit CARD that is UNSECURED. That is, I have the right to add anyone I want to my credit card as long as I accept responsibility for the charges made to that credit card. How come I have the same amount of UNSECURED CREDIT on a CREDIT CARD with the same DISCOVER BANK Backed Company but I can not get a SECURED LOAN with better interest rate? I feel like I'm being pressured into a 26 % PLUS and higher Vairable APR Interest Rate. Is it not fair to SECURE a LOWER Interest LOAN with collateral? Seems like their fair lending only considers how much INTEREST they are receiving!!! I'm being forced into CREDIT CARD SUICIDE where for the rest of my life the Credit payments they received will barely cover interest.They will gladly give me a HIGH INTEREST CREDIT CARD LOAN but not a SECURED LINE OF CREDIT with collateral!?\n\n-- I get some bogus Claim/Statment from DISCOVER BANK that CREDIT CARD LINES are different yet when they discuss \" home equity Lines '' with the customer SERVICE Application department ... THEIR DEPARTMENT team compares their LINES of HOME CREDIT to \" LINES OF CREDIT CARDS '' .. How can you make a comparison of a line of equity to a CREDIT CARD but then when it comes to the final REVIEW they claim they are completely different lines of CREDIT. Seems like I get pitched one thing in the OPENING Sale but when it comes down to CLOSING I get a different STORY!\n\nLooks like only the INTEREST RATE is what matters and they want {$400.00} and Up in interest on a monthly basis instead of allowing us to be financially smart & lock in a LOWER INTEREST SECURED LOAN!\n\n-- - I have the GOOD CREDIT SCORE. My Partner has more of the Income Score. Sadly, Phyical Home Equity IMPROVEMENTS only count on the BIG TV HOME IMPROVMENT SHOWS!\n\n-- I stated that our family bought a 3 acre Diamond in the Rough Property in XXXX and WE would be fixing the propety up. America was built upon the HARD WORK/SWEAT of the back American worker. Even Seems the Television XXXX XXXX XXXX shows advertise the same AMERICAN DREAM! \n\nIf I were to Hire someone to do Equity improvment it would cost too much to be worth the Value that you can get doing the HARD WORK YOURSELF! I had a painter quote me $ 3000PLUS for a Job that I can do for {$200.00} total. {$3000.00} would use/eat too much of the loan up and that would make the loan a waste of time. \n\n-- -- - I have a FEDERAL COMMERCIAL CLASS A CDL. Federal law states that when I'm supposed to rest i have to REST much like a FEDERAL LICENSED AVIATION PILOT. If I get caught doing home improvement projects on the side, and I hurt someone on the ROAD with a vehciled I will go to a FEDERAL PRISON for endangerment of public safety and transportation. \n\n-- - I stated that I am not legally allowed to earn all the possible income that I could right now until these HOME EQUITY projects are Completed! \n\n-- - Being we are going to improve a 3 Acre Property to Bring in future RENTAL income on CURRENT property seems like a good investment! \n\n-- - The money brought in in the future will pay for it self. In fact if we were to just do the HOME IMPROVEMENTS on the funds that we are requesting we could flip the current property that we just purchased for Profit. \n\n-- The Real GOAL is me working HARD so our family can move to a family FARM and increase the Future earnings of our portfolio by adding RENTAL Income by opening a Property available to be put on the RENTAL MARKET. \n\nI don't see how this is unwise. I don't see how none of this work and/or money that my partner bring in can't be justified as CHILD SUPPORT as the child would have a BIGGER FARM HOME property to run around on.. A better/bigger home environment to live in. My daughter will learn more about Agriculture/Land and Farming.\n\n-- - Do not XXXX/XXXX/XXXX   Share their Incomes in Their  Partnerships and/or loan applications???????? \n\n-- - I don't think it's fair that as joint tennnts with right of survivorship that only one can apply as borrower. Don't you think a Fair lending policy would require joint tennants in common shared ownership to both be put as borrowers on the LOAN?\n\nWould YOU WANT your SOLE/LLC/Corporater business partner running off with a Collateral Line of CREDIT on a property???\n\n-- -I was pre approved and then denied because of my personal debt/income ratio. They seem gladly to add my DEBT associated with property ownership but not the income assoicated with commone wealth property ownership!\n\n-- - They were unwilling to take a voluntary statment of income used for the Daughter that we share together even though their guidelines say they can take advantage of a voluntary statment. I even have a EMAIL that states they have a VOLUNTARY Statment Option! Yet.. they won't share their actualy guidlines with me for \" PROPRIETARY Reason ( S )! '' -- - They claim My partner 's income isHIS/HER income yet since we raise a daughter and in the eyes of GOD   for our personal Relgious preferences. WE CONSIDER HER INCOME my income and my income her income and OUR INCOME our DAUGHER '' S INCOME!\n\nHow do XXXX XXXXXXXX couples claim CHILD Credit Associated INCOME? How do Adopting Parents Claim Income? \n\n\n\n-- - They said that because the income to the Rental property is filed on my partner 's TAX return they could not count or use any of that income. \n\n-- However we have saved every Landlord/Tennant application and can prove that both my partner and I are listed as the listed Landlords. All FUNDS get deposited in our bank. I can legally claim 100 % of the FUNDS to my bank just like my joint partner can claim 100 % of those funds. Again, the Bank considers me to have 100 % access to the same funds as my joint partner with no limit/descrition/discrimination. However, since our accountant for whatever tax reasons filed the tax info under my partner I'm now not allowed to qualify any of that income even though it's fair to assume that income would go to the Benefit of the CHILD as well!! \n\n-- Even though they only consider the income of the borrower how can they allow only one person from the deed to apply when both people are on DEED/Partnership should be required to file for a LOAN?\n\nso ... if a partner fails to pay the loan does not a BANK by LAW have to ask the Other partner on the Deed if they want to assume the LOAN? That is before a bank can foreclose do they not have to give the Partner who did not borrow a chance to assume the LOAN? Or does the bank get the right to foreclose? How is that fair lending for a partner to lose ownership of A DEED for a partner that goes out and secures a LOAN? Is it fair to let just one partner be a BORROWER? I'm pretty sure that like any other COMMON OWNERSHIP the Law would give the chance for the Partner to take over and assume the responsibility of the the loan to avoid foreclosure/loss of ownership on the DEED! It's not fair for only one partner to be a listed borrower if they weren't given chance to Pay the Loan their Partner took out and could not pay off!\n\n-- - So how can they give the Loan to just ONE PARTNER? Why is it not fair to count the INCOME of the other partner as a COSIGNER/GURRANTOR?\n\n-- - They are discriminating against my income but using all the debt associated with the PROPERTY. Worst part about it. Even though my partner and I are joint tennants in comnmon with right to survivorship because I am applying for the Loan they are not calulating my income ACCURATELY/properly/correctly.\n\n-- They won't count the INCOME of my partner but instead are counting all of my partners debt that is linked to the Property that we share in COMMON wealth together. So, they are charging me 100 % for the TAX/INSURANCE and all other debt associated with the property as if my equal partner has no responsibility for that debt! Is that Fair Lending to not count the income of my both my partner and I for a Property that we share in common wealth together??? Yet, they only want to COUNT ALL THE DEBT to a property that we share in common instead to the BORROWER only??? This makes an error in the calulaiton ratio as they are unfarily Increasing MY DEBT BURDEN that I have to pay/carry when in fact it's fair to asssume the DEBT associated with a property that is shared in TENNANTS in COMMON .. The DEBT linkedto that property should be shared equally with all of the PARTNERS just as it would be shared in court if a JUDGE in a court of LAW would hold all debts assoicated with a PROPERTY as 50/50 shared responsibility of the partners that share ownership of that property in common together!\n\nMy mother and her 3 sisters owned a property as joint tennants together. They shared the taxes and insurance and all other expenses as that would be normal for any corporation, sole proprietership and or any Normal operating LLC partnership!\n\nAren't my partner and I at the very least considered SOLE Propieters?\n\nIf my partner and I are Joint tennants don't you think it's fair to recaulate the DEBT/INCOME ratio by taking half of the INSURANCE/TAX BILL OFF that our paratnership would legally share together in a joint partnership? Is it not fair/reasonable to assume that at the very least my joint tennant will pay his/her fair share of Property Taxes and Insurance?\n\nHow is it fair that they will use a guideline policy that will count/increase the debt of the borrower which would ADVERSELY Negatively affect my debt ratio. So, they will count Incurred Property DEBT Ratio to the borrower, yet not count any of the shared INCOME/expenses of the other party listed on the shared deed in common?\n\nHow is it fair they won't at least deduct the Insurance/Taxes & other bills incurred by the shared property by Half according to the LISTED/FILED DEED?\n\nHow is it fair to accept and request a voluntary statment from the GRANDPA who has no PARENTAL Legal RIGHTS but not the Mother who is the LEGAL PARENT/GUARDIAN has no rigths to volunteer her income?\n\nWe have a joint Retirement account. We have Joint Checking. We share all the FUNDS. I have the voluntary permission to use her funds any time I want in regards to the Daugther that we share together!\n\nSince we have a joint account and all money is direct deposited.. Is it not Fair to assume that we equally and share VOLUNTARY the same income brought in for the CHILD? That is I can equally claim her income as mine and she can claim the INCOME as well equally for the CHILD that we share!\n\nWhen and if you apply for Social Security or any type of Financial assistance Every income that is brought into a house is considered in regards to the CHILD as one shared income! That is, all GOVERNMENT agencies count the HOUSEHOLD INCOME as ONE SHARED COMMON INCOME. They do not split the income up individually like Discover BANK is trying to do!\n\nI just do not see how it's fair to stick me with 100 % of the DEBT for a PROPERTY THAT WE SHARE in COMMON OWNERSHIP yet I can't count any of her INCOME that we both use in regards to shared ownership!\n\nI do not see how it's fair that the INCOME we share. We share the income. We are both on the accounts where the income is deposited and FDIC insured. The bank can not distinguish the difference between her income and my income as we are JOINT/SHARED EQUAL Banking Partners listed on the shared accounts. That is the bank only sees a balance and both of us have access to the same balance and desposits made on the account that we share together in as common wealth! We both have the same debit cards linked to the SAME checking/savings accounts.\n\nIs it not fair to count a portion of that income as INCOME for the Well being of the CHILD and/orthe shared partnership as tenants in common?\n\nThey most certainly have no problem sticking me with Insurance/Tax and all the other financial DEBT ( S ) linked to and associated with the subject property in which the mortage/loan application is being applied for!","date_sent_to_company":"2019-10-31T17:51:49.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"672XX","tags":null,"has_narrative":true,"complaint_id":"3424526","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2019-10-31T15:45:59.000Z","state":"KS","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We are both on the <em>accounts</em> where the income is deposited and FDIC insured. The bank can not distinguish the difference between her income and my income as we are JOINT/SHARED EQUAL Banking Partners listed on the shared <em>accounts</em>. That is the bank only sees a balance and both of us have access to the same balance and desposits made on the <em>account</em> that we share together in as common wealth! We both have the same debit cards linked to the SAME <em>checking</em>/<em>savings</em> <em>accounts</em>."]},"sort":[8.160149,"3424526"]},{"_index":"complaint-public-v1","_id":"9481238","_score":7.718754,"_source":{"product":"Mortgage","complaint_what_happened":"Chase Mortgage Breech of Contract Chase representatives went outside of our signed Final Agreement Contract and allegedly approved unverifiable payment extensions that neither my wife or myself requested. Their repeated actions over a three year period caused a shortage in our principal payments with additional interest charges at Maturity of the loan that as per our contract was illegal. As Executor over our loan Chase and its Representatives should have been aware of this even though our contract was initially with XXXX XXXX XX/XX/XXXX Opened Home Equity Loan with XXXX XXXX 240 monthly payments @ {$720.00} for 20 years We set up Auto Draft Payments for the XXXX of every month please see attached contracts XXXX Roughly one year later Chase took over XXXX XXXX and the Loan. \n\nWe never received any additional contact from XXXX XXXX or Chase concerning our loan. Unfortunately neither did we monitor the loan over the 20 year period. \n\nWe were contacted by Chase in XXXX of XXXX stating that they could no longer auto draft our payment for the following reasons in which they gave none. However they attached an additional final payment amount of {$7200.00} ( XXXX ) It was at that point that we realized we were 3 months beyond the Original Contract Maturity Date ( XX/XX/XXXX ) of the loan, thinking we had over paid XXXX and XXXX. \n\nWe contacted Chase to find out what was going on, and to DISPUTE the additional Principal Balance of {$7200.00} We were finally told that we allegedly took three Non-Verifiable Payment Extensions in XXXX XXXX and XXXX. \n\nChase claims that they had a XXXX XXXX XXXX XXXX XXXX XXXX  that they say we allegedly participated in. \n\nMy wife and I have vehemently denied any knowledge of any such program and regardless of that, we had NO NEED TO PARTICIPATE IN ANY SKIP PAYMENT EXTENSION PROGRAM, siting that our payments were Auto Drafted Weve asked for and have been denied any proof or evidence of our participation in the program.\n\nWeve asked for the parameters or any rules or guidelines pertaining to their program as evidence if such a program existed, and they say they dont have anything, ie verbal phone recordings. \n\nChase told us that signatures and documents werent necessary, and nor did they bother to send a confirmation number, or a letter at a later date confirming the alleged extension to their customers, saying only that the program has ended now and they had NOTHING ABOUT THE PROGRAM See attached Chase CFPB response letter. \n\nWeve received multiple Payment History Reports since filing our DISPUTE. The following is a list of Discrepancies that we found. \n\n( see ) First SUSPICIOUS ACTIVITY on Payment History Statement in XXXX XX/XX/XXXX Transaction - Extension UPDT??? This entry is unexplained and SUSPICIOUS However we were unaware of this entry at the time from Chase. Though there was no Extension Applied. Why would this entry be here? \n\nXX/XX/XXXX Payment taken Posted late to account XX/XX/XXXX XX/XX/XXXX Payment Debited {$720.00} XX/XX/XXXX Payment Posted XXXX  15 days later is the first Skip Payment Extension and 15 Day before payment is due??? NO NEED FOR EXTENSION! \n\nXX/XX/XXXX POSTED Transaction EXTENSION XX/XX/XXXX POSTED {$50.00} FEE ASSESSMENT PAYMENT WAS NOT DUE UNTIL XX/XX/XXXX WHY WAS EXTENSION POSTED TO ACCOUNT? \nNo XXXX XX/XX/XXXX payment drafted from the account XX/XX/XXXX Payment Increased to XXXX With the total amount of {$720.00} being applied to INTEREST and Chase pocketing the Additional {$50.00} Overpayment XX/XX/XXXX {$50.00} Fee PMT Throughout the remainder of XXXX there were no other SUSPICIOUS ACTIVITIES until XX/XX/XXXX Debit XX/XX/XXXX Posted ( {$770.00} ) XX/XX/XXXX Debit XXXX XX/XX/XXXX EXTENSION POSTED XX/XX/XXXX FEE ASSESSMENT ( {$50.00} ) XX/XX/XXXX No Loan payment Debited for XXXX XX/XX/XXXX Debit {$770.00} XX/XX/XXXX Posted {$720.00} Applied to Interest {$000.00} applied to Principal {$50.00} Pocketed by XXXX XX/XX/XXXX FEE PMT {$50.00}? No Explanation No MALICIOUS ACTIVITY XX/XX/XXXX {$000.00} Debited EXTENSION POSTED XX/XX/XXXX {$50.00} Fee Assessment XX/XX/XXXX FEE PMT XXXX Debit {$770.00} {$50.00}??? \nXX/XX/XXXX Posted {$720.00} to Interest {$50.00} Pocketed by XXXX XX/XX/XXXX {$50.00} Fee PMT SUSPICIOUS ACTIVITY ON XX/XX/XXXX USER MEMO??? \n\nSUSPICIOUS BECAUSE OF THE DAY THIS WAS ENTERED the XXXX Beyond the above listed SUSPICIOUS ACTIVITIES The payment history stays consistent until XX/XX/XXXX Entry reads RELATION UPDATE Weve been told by Chase that they didnt have an obligation to explain or to provide their banking information to us.. \n( see highlighted attached letter ) action is Illegal and a Breach Of Contract.\n\nWe signed A Final Agreement Contract ( see attached copy ) Basically at no time should anyone at Chase regardless of any program CHANGE OR ALTER ANY PAYMENTS.\n\nThe payments are on AUTO DRAFT.\n\nPer our Contract should we not have the monthly payment to be drafted in our account on the due date there is a {$25.00} late fee After 10 Days. Cheaper than the {$50.00} Assessment Fee from the Skip A Payment program and WOULD NOT ALTER THE INTEREST ON THE LOAN. \n\nChase even has Auto Draft Protection whereby we had no need for the Program theyre claiming we participated in without any proof or evidence. \n\nThe house was initially funded by XXXX XXXX. After 8 years we refinanced with XXXX XXXX. During the 8 year period with XXXXXXXX XXXX we paid on time never late or needing any payment assistance. Our credit rating and pay history was and still is Outstanding In XXXX the year we initially took out the loan with XXXX XXXX we started the Auto Draft Payment Account with the additional {$13000.00} from the loan. \n\nWe did not need nor did we participate in any Skip Payment Program Chase Executive Branch Response In response to the letter from Chase dated XX/XX/XXXX We confirmed your unpaid principal is accurate Beginning with the second paragraph Chase claims to have found the balance is accurate ; as they reference The Promissory Note and interest rates. \n( please see attached letter ) When the payments are calculated according to the contract Notice Of Final Agreement should Chase have followed to the letter of the Law of the signed Agreement where it states in BOLD WRITING that ; IT MAY NOT BE CONTRADICTED BY EVIDENCE OF PROIR CONTEMPORANEOUS, OUR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES etc etc..\n\nWhen calculated the 240 payments for interest and principal are correct and would have been correct at the end of the loan, if Chase would not have altered the Contract.\n\nThe Final Agreement states that we ( the borrowers ) were not allowed to participate in any programs with Chase or any other entity that would have modified alter or change the loan. \n\nWe ( XXXX and myself ) understood at the time of signing, ( XX/XX/XXXX ) that just like at the time of signing, in XXXX XXXX ) that the contract was Legal and Binding on our behalf and equally binding with XXXX XXXX XXXX as we looked the loan officer in the face when he read it to us and all three parties signed the documents. \n\nHowever it was Chase the Legal Executors of the loan who altered the Final Agreement and ultimately the Promissory Note through their actions. \n\nUpon signatures of all parties the CONTRACT IS FINAL and COULD NOT BE MODIFIED OR ALTERED BY EITHER PARTY. \n\nChase is claiming that we altered the contract 3 years in a row, without any red flags, warnings, notifications or any Documentation what so ever. This was solely of there doing as Executors of the loan. \n\nTo insure that we were doing our part We set the account up on AUTO DRAFT PAYMENTS TO BE DRAFTED ON THE XXXX OF EVERY MONTH FOR 20 YEARS FOR 240 PAYMENTS.\n\nChase is now saying 20 years later that THEY ADMITTEDLY BROKE THAT CONTRACT AGREEMENT THREE TIMES.\n\nWe never asked to for a Payment Extension and ADMITTEDLY THEY SAY THAT THEY HAVE NO EVIDENCE THAT WE DID. \n\nAs Executors of the Loan it would be Chases responsibility to monitor the DETAILS and ANY VARIABLES and DISCREPANCIES TO The LETTER OF THE LAW OF THE CONTRACT and not just as they say willy nilly approve a LOAN EXTENSION WITHOUT VERIFICATION OR DOCUMENTATION. Those actions are ABSURD AND ILLEGAL.\n\nThat action by Chase would only benefit CHASE at the end of the contract, and cause a hardship on the customer.\n\nCHASE ADMITTEDLY SAYS THAT THEY WERE NEGLIGENT BY NOT MAINTAINING NOTES AND DOCUMENTATION TO AN ACTIVE LOAN THAT THEY ARE COLLECTING INTEREST ON THROUGHOUT THE DURATION OF THE LOAN. \n\nBy this action Chase has failed to do what they were being compensated to do through their collection of interest payments in the amount of XXXX That action also by Chase would only benefit CHASE at the end of the contract, and cause a hardship on the customer, where the payment history shows that several times there were no payments made to the Principal. \n\nThe contracts state that our payment isnt late until 10 days after the due date for a late fee of {$25.00}. Chase implies that we would opt to pay twice that amount and alter the interest payments The EXECUTIVE BRANCH RESPONSE also says there was a fee assessment charge for the EXTENSION, and we paid it.\n\nThat statement is totally insulting to us as their customer, for Chase to use that as a defense for their breaching the contract, ignoring the fact that THEY had full control and access of the account via auto draft and THEY TOOK THE ASSESSMENT FEE, when they chose to and never informed us of it.\n\nThe records show that they also TOOK an additional {$50.00} with the next payments. They were able to do that because FUNDING WAS ALWAYS AVAILABLE, in our account, and we were/ are covered by Chases Over Draft Protection Plan since opening the account. We had no need for Payment Extensions Each time that the Extension fee was taken by Chase 15 days after a regular payment of {$720.00} and 15 days before the next payment was due. ( please see payment history ) If Chase had such a program in place, that they ADMITTEDLY HAVE NO EVIDENCE OR PROOF OF as per the Promissory Note They were Not to Manipulate or Alter the Contract to a disadvantage to the borrower, by collecting additional interest payments. \n\nAs Executors of the loan CHASE had three opportunities to rectify the problem, with the first being at the end of the year in XXXX to inform us of the status of the loan. \n\nThe second opportunity would have been when the second Extension was applied to the loan. And the same for the third Extension. \nAs Executors Chase failed to do that. \nIn XXXX the payment history shows Relationship Update. We didnt hear a word from Chase.\n\nWhile Chase cant explain today any details of their Skip Payment Extension Program its obvious that the program was designed to take advantage of unsuspecting trusting borrowers, who were not micro managing their account.\n\nThis may explain the first Extension entry in XXXX of XXXX but no Extension was applied at that time. ( see payment history ) This program could only end up with the Borrower being Upside Down owing more interest and additional payments on the loan. \n\nChases XXXX poor mismanagement of the loan continued into and beyond the final year and month of the loan Maturity Date XX/XX/XXXX by Chase not contacting us in XXXX or XXXX to advise us of the maturing of the loan, but instead payments went 3 months beyond the actual Maturity Date. \n\nAnd then scrambling to cover up their XXXX up, they realized that they had to also change the Maturity Date of the loan. \nThat action is also OUTSIDE OF THE FINAL AGREEMENT CONTRACT. \n\nWe should have been contacted and a meeting arranged to amicably figure out what to do next. But it was obvious through all the correspondence that Chase intentions were and are to bully us and hold our home as their collateral.\n\nAs layman, we are unable to understand that by Chase skipping the 3 payments during those 3 years and charging interest for the 3 years one year at time or consecutively charging interest.\n\nBut remind you, that they also increased the monthly payment each of those 3 times by {$50.00} and still charged a {$50.00} late fee. \n\nWe can only assume that now theyve added 19 years of interest on one payment Extension of {$720.00}.\n\n18 years of interest on the second of {$720.00} And 17 years of interest on the third at the same amount.\n\nChase shows no credit for the {$50.00} overpayments Due to the ALLEGED EXTENSIONS Unknowingly to us CHASE moved the Maturity Date As per the payment history the payment were missed and are owed, but that was all because of Chases MISMANAGEMENT of the account and by ADMITTEDLY BREACHING the four corners of the Two contracts, the Promissory Note as well as the FINAL AGREEMENT.\n\nIn the Response letter the EXECUTIVE ADMITTEDLY ACKNOWLEDGE RESPONSIBILITY FOR APPROVING THE EXTENSIONS HOWEVER CHASE FAILS TO TAKE ANY RESPONSIBILITY.\n\nAs EXECUTORS of our loan, When the Mismanagement of our loan came to the forefront in XXXX Chase and their representatives all the way up to the Executive Branch participated in the cover up and laid the burden of proof on their customer XXXX and XXXX XXXX WHICH WE DISPUTE XXXX XXXX XXXX First and foremost Our Loan Maturity Date as per Signed Contract is XX/XX/XXXX. \nSomeone in your office is attempting to change that date. That is illegal. Our contract has expired. \n\n\nSecondly Why didnt we receive this type of statement from Chase in XXXX of XXXX when the payment was made on XX/XX/XXXX however a {$50.00} FEE ASSESSMENT was applied on XX/XX/XXXX though the payment wasnt due until XX/XX/XXXX of XXXX and then the Illegal Extension was applied for the month of XXXX see attached payment history Thirdly Why didnt we receive this type of statement in the following years of XXXX and XXXX when a Chase Representative applied alleged Illegal extensions to our loan? \n\nAnd, Why didnt we receive this type of statement in XXXX of this year XXXX, 5 months out, before the Signed Maturity Date of the loan? We didnt receive any prior notice to what was going on with our Mortgage Loan until after you changed the Maturity Date without contacting us as you breeched our contract.\n\nThis was simply Chase exhorting their power over your customer and covering up your tracks before we could do anything to respond. \n\nShow me in writing in our contract where you can change the maturity date of our loan? \n\nThe attached payment history shows Chase Representatives Screwed Up Our Loan and now Chase is charging us more than XXXX dollars though Chase has already received {$72000.00} in interest per the contract but choosing to swindle us out of an additional {$6000.00} more!!! \n\nXXXX XXXX The letter above is one of several letters I mailed to Chase Mortgage Lending, disputing their bogus work in managing our loan taken over by them initially with XXXX XXXX. \n\nWe closed our refinance with XXXX XXXX in XXXX of XXXX. We set up the payments to be auto drafted from our checking account. Eventually JP Morgan Chase bought out XXXX XXXX approximately one year later in XXXX. \n\nWe have payment history statements provided by Chase, showing that the auto payments were fine until Chase took over the account. Our payments were scheduled for the XXXX of each month beginning with XX/XX/XXXX and ending XX/XX/XXXX. \n\nHowever, Chase because of 3 alleged payment extensions we supposedly requested by phone, they say without notice they gave us a new maturity date to XXXX of XXXX via a letter they sent to me, stating that they no longer could auto draft payments to our Mortgage Loan account and we would have set up a new auto draft, or we could request a final payment in the amount of plus {$6000.00}, or continue to make monthly payments. \n\nIn writing and over the phone I explained that we didnt receive any notice of the loan reaching maturity in the months preceding the actual XX/XX/XXXX date, that would have prepared us and given us more time to investigate the facts of the situation. \n\nI explained to multiple Chase representatives that since the XXXX letter via phone and fax that we were under a signed contract that could not be modified without consent of both parties and that their claim of our request for unverifiable loan extensions over the phone was bogus and a cover up for XXXX poor accounting on their behalf, and that we demand proof of any such request. \n\nThey responded XX/XX/XXXX, and I quote Any information or document you requested that isnt included with this letter is either irrelevant, unavailable, considered proprietary, overbroad or unduly burdensome. End quote. \n\nThey did not send any evidence of any requests from us ( my wife and I ) asking via telephone, and was approved, any such payment extensions. \n\nThey have refused to explain any of the transactions they made that lead us into being charged an additional {$6000.00} plus dollars only to say that our principal portion wasnt paid off. \n\nI was even told by Chase that These contracts were not designed to come out equally at the end of the loan period, and that the interest portion was basically a guesstimate of the actual amount that will be due. I responded that when you do the math on the principal portion it comes out perfectly as according to the contract. And that it was because of their claims of payment extensions that has caused the problem. \n\nWe explained that our monthly payments were {$720.00} and they were responsible via auto draft to make the payments. However the payment history shows they charged us additional fees of {$50.00} after they applied the extensions to our account, and then applying the total payment to interest. \n\nIn one instance the payment history shows where they actually applied one cent to the principal and taking the balance for the interest Yes one XXXX was applied to our principal!!! \n\nIn one incident they charged late fees of {$50.00}, and the {$50.00} cost fee. We explained that, AS PER OUR CONTRACT we could be charged {$25.00} late fee after 10 days and of course you would think that we would then receive a written notice from Chase of that happening.\n\nI responded and at that point we would have immediately found their errors and alleged extensions. \n\nBut until the XX/XX/XXXX letter in the 19 years Chase has managed our mortgage we never herd or received anything from Chase in reference to our mortgage, only that they would be changing to a new format. \n\nIn the letter at the time we waiting for another response from the office of XXXX XXXX XXXX Executive Director for Chase. \n\nAnd In order to prevent Chase from destroying our credit report we have continued making the additional monthly illegal payments. \n\nSince sending this complaint in early XX/XX/XXXX to the CFPB, we have heard from the Chase Executive Office, and they still deny any responsibilities claiming that while they cant find any records because of the dates involved of our requesting alleged payment extensions, they say neither can we prove we didnt. \n\nI told them that our binding Final Agreement Contract along with our Homestead Contract prevented us from changing or modifying the loan for the term of 240 months 20 years.\n\nI told them that while Im more than one hundred percent sure we didnt participate in their alleged extension program at any time and that our credit rating, checking and savings accounts that they also maintain were proof that would suggest that we didnt have a need for a payment extension. My wife and I have always been employed and the {$720.00} monthly payment has never been overburden-sum to us or our checking account. Weve always maintained savings and checking account jointly at Chase and also individually in two different credit unions the entire time of the loan that we can verify.\n\nHowever should any competent Chase Representative having received a call pertaining to our loan account should have said something like unfortunately XXXX XXXX your loan contract prevents you from participating in our extension program by modifying your loan agreement, but as per your contract youre able have a 10 day late charge of {$25.00} if youre in such need of an extension, and you can pay it before your next monthly payment is due. \n\nDuring my last phone conversation with the second of 2 Executive Officers that Ive spoken with at Chase, Chase refuses to accept any responsibility whatsoever. He said that the first E/O determined that ( paraphrased ) Because we waited too long to file our Dispute, and neither side has any proof, that he would side with Chase rather than the Customer and therefore our dispute is denied. \n\nI requested to at least being provided with the details of their Now debunked Call Up Youre Approved Payment Extension Program, and I was told by the E/O that they cant and are unable to provide us with the details of that program since it has been shut down. I responded thats just another reason why I should have won my Dispute. For your inability to provide evidence that there was any such program. \n\nIve also asked for, but theyve also refused to provide us with a complete calculations of how they determined the alleged delinquent interest and penalties,. They respond with, would I like a copy of the payment history. \n\nNeither my wife or I are XXXX, and dont know how to calculate the applied interest portion of our loan on the payment history, as they continue to collect additional interest payments and fees as weve just made the seventh payment past our original Maturity Date. \n\nChase stole our joy and excitement of 2 people coming together in marriage and buying a home to raise our children and watch them leave the nest and hubby and wifey pay off the 30 year mortgage and live happily ever after. \n\nTheyve Stolen That From Us! Through their schemes and misappropriation of our trust and finances to ultimately line their coffers because we gave XXXX XXXX approval for Auto Draft and Chase took advantage of that! \n\nThank you XXXX XXXX XXXX","date_sent_to_company":"2024-07-11T21:18:36.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"75040","tags":null,"has_narrative":true,"complaint_id":"9481238","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-07-11T20:19:00.000Z","state":"TX","company_public_response":null,"sub_issue":"Fees charged"},"highlight":{"complaint_what_happened":["Weve always maintained <em>savings</em> and <em>checking</em> <em>account</em> jointly at Chase and also individually in two different credit unions the entire time of the loan that we can verify."]},"sort":[7.718754,"9481238"]},{"_index":"complaint-public-v1","_id":"5739845","_score":7.578451,"_source":{"product":"Mortgage","complaint_what_happened":"This was a difficult complaint to write because there were quite a few people involved and several complaints to be addressed. And I appreciate you being understanding and trying to filter thru them. I can only tell you what has happened to me and ask for your help to correct things for me and make sure it does not happen to other people. I have so many emails and other bank statements if you need them. I only ask if something is challenged then please give me a chance to do the best I can to present the evidence to back up my side. I am one small person trying to present my case. \nThank you very much. XXXX XXXX XXXX Complainant -- XXXX XXXX XXXX My attorney -- Attorney XXXX XXXX Attorney that First Citizens uses in SC to do their foreclosures - Attorney XXXX XXXX XXXX and Attorney XXXX XXXX XXXX XXXX -- according to his email Business and Retail Credit Resolution XXXX XXXX -- never got a return email to know what his title is but I believe it is Region Business Executive I am XXXX XXXX XXXX, a XXXX XXXX XXXX woman with back problems from an accident that was not my fault. First Citizens Bank and Trust has my loan. I did not choose this lender, my mortgage loan shifted to them when XXXX XXXX XXXX sold out to them. First Citizens Bank and Trust exhibits a pattern of behavior towards their customers that is very upsetting. If you look at the blogs, the common theme is that First Citizens Bank and Trust tends to ignore you any time you try to communicate the problem you are having and reprimand you for asking any questions and then make you feel like you caused the problem. If you try to reach out to other departments for help they try to make it seem like you are causing problems when you are simply trying to resolve your issue. I can only surmise that they hope the end result is they outlast you. This is a very poor business practice and doing this to the elderly and the XXXX is really probably criminal. By ignoring the client, it makes the client have to go on a hunt for the truth yourself and then in turn the bank can criticize you for making phone calls and writing to get the answers you need because they have ignored you to begin with. The term Gaslighting comes to mind. \n\nXX/XX/XXXX I was involved in an accident not my fault and because of covid it is still not resolved. \nXX/XX/XXXX I let my mortgage company know I was out of work for a little bit and why. \nXX/XX/XXXX The Pandemic hit and it effected my business completely. I was an adoption consultant/paralegal and I am not able to get in the Dr , offices or the hospitals. Frightening that your business of 30 years could just disappear almost in front of you Every week I communicated with First Citizens and asked about Covid. Never got a clear answer but I assumed when they were so nice and listened then said that they would make a note and put it in my file that meant that with Covid they were working on a solution. From what I read all the mortgage lenders were working on it so I did not worry, this seemed normal. I read that the mortgage companies were going to help with Forbearance, I knew they must have so many people effected that it would take time. I did not realize I had a type of loan that was called an \" In House '' loan. This loan is not federally backed which I had no idea meant that the bank could do whatever to you, or not do anything for you through the Cares Act. \nIn XXXX. During that time I made as many payments as I could, some partial. Always calling or answering First Citizens calls and letting them know my situation. All the while hurting from my accident and totally limited from Covid being able to enter medical facilities with my business. \n\nIn XXXX XX/XX/XXXX I started receiving mail from random attorneys asking if I wanted to do a bankruptcy. I had not even been served anything. But I thought that I better ask for a hardship packet. XXXX in ( Loss Mitigation ) told me she did not know I wanted one. \nXXXX XXXX I contacted one of the attorneys that I worked with and Attorney XXXX negotiated with the attorney XXXX XXXX XXXX and First Citizen Bank and Trust. \nXX/XX/XXXX ( Complaint 1 ) I received a letter from XXXX XXXX thru my attorney that the amount he said I owed was {$18000.00}. ( Letter attached ) This letter listed five categorized amounts that 3 seemed incorrect. ( I just emailed Attorney XXXX XXXX again, whom I have asked repeatedly about these amounts and where they came from. I should be able to ask what these amounts are that I am being charged in The Temporary Repayment Plan including 3 payments beginning XX/XX/XXXX without going thru months of the same emails of me asking for the same thing without being ignored. The latest story I have gotten is that the contact for XXXX XXXX ( independant Attorney for First Citizen ) at First Citizens is out of the office until XX/XX/XXXX and he needs to ask them if he can tell me what his own fees are. They are right there on the letter so why would the attorney have to check with the mortgage company to give me what he charged me for his attorney fees and what he did for those charges. How would the mortgage company know what his costs were?. This is going to make me spend more time and write the Fee Dispute board at the SC Bar. Personally I feel this is to buy time to make up what the charges are for. COMPLAINT ( attached letter of what these charges that I owe. and is supposedly good through XX/XX/XXXX ) This amount also changed by {$840.00} more and was just added onto the Temporary Repayment Plan and again not explained. \nXX/XX/XXXX XXXXTwo times First Citizens violated this law. I even received a letter from First Citizen XX/XX/XXXX in it, it explained the law on appraisals and how there is a copy due to the client 3 days prior to any transaction or closing or dealing monetarily. ( Attached letter of 3 day rule ) How does a mortgage bank send you a letter explaining the law on having to give you your appraisals and then does not give them to you? Who is accountable for making sure the law is followed. \nCOMPLAINT- This one of two appraisals not given to me in the time allotted so I believe this is a habitual offense with other people that should be questioned. ( attached appraisal with mail dated envelope XXXX ) This appraisal was done XX/XX/XXXX and was not mailed to me until XXXX months later, XX/XX/XXXX and only because I repeatedly asked for a copy of this appraisal, First Citizens had this information and actually told me they did not know if they could give it to me. Whoever sent the letter was aware of the law but after that the employees under XXXX XXXX dont seem to know what they are supposed to do. It seems by XXXX XXXX 's example they certainly know how to avoid clients questions and make the client feel as though they are not important enough to ask anything at all or if they do ask then you are made out to be a horrible problem. This is a prime example of them telling me the way they want it to be and I the customer, am just supposed to go along with it and not speak up for myself. I hope that whoever is over enforcing this law will make an example of First Citizen Bank and Trust. This appraisal could have aided me in putting together the Hardship package if I had had it for the Temporary Repayment Plan ( attached 3 pages ) and beginning payments XX/XX/XXXX {$6300.00} / XX/XX/XXXX $ XXXX XX/XX/XXXX {$6300.00}. After my accountant asked for it, this agreement showed up at my attorneys office 2 weeks after the first due date of XX/XX/XXXX, Supposedly it went to the wrong email address of my attorney, they did give me a 2 week grace period, to fix this but here again they just do whatever they want to, also in it, was 3 incorrect payments amounts, my accountant had to line thru them and write in the correct amounts. \n\nAnother complaint on XX/XX/XXXX I asked for a detailed loan history and received it from XXXX XXXX XXXX. However, when I asked them, they, like my accountant could not explain the charges. One of them was {$800.00}. for an appraisal {$450.00} for an appraisal another {$450.00} for another appraisal. We thought that this might be part of the charges from XX/XX/XXXX letter, number 3 labeled Corporate advances in the amount of {$5000.00} on the letter listing the charges from the attorney XXXX XXXX. But when I called XXXX XXXX XXXX they were very nice but they could not figure out the charges either. They tried several people and finally got someone in Loss Mitigation and she insisted that I was not charged for any more appraisals, even though it was right there in front of us. And it was on one of my monthly statements XXXX ( attached a copy of monthly statement XXXX ) it showed as an appraisal charge. On that same statement it has legal fees showing as {$3100.00} which is much different than Attorney XXXX XXXX 's {$1300.00} on the letter ( attached First Citizen Monthly statement XXXX ) Another statement reflects a charge of {$1000.00}. of interest taken on XXXX ( 4days after the closing ) I certainly hope the bank has not collected interest in advance. I am not sure but I believe that is some sort of infraction. ( attached First Citizens monthly statement XXXX ) The payment History was sent very quickly. I'm not sure who runs that department but they did a good job and at least tried to answer the questions. Which they could not and ended up back at XXXX 's department with hostile employees and no answers. \n\nDuring that last year of not getting ANY help from the bank, My mother passing away, XXXX and XXXX people XXXX XXXX XXXX XXXX XXXX  and arranging to borrow the money that was really more than it should be to pay a sum of money to First Citizens that I nor my accountant are not even sure is correct. Im not sure how much more I can take. \nIn the beginning of XX/XX/XXXX I realized that it was taking longer to get my nerves in my back cauterized due to finishing physical therapy, insurance approval and scheduling. I was not getting any help from First Citizen so I thought I would try to get ahead and do something to make sure I did not have any problems with finances for this year coming and I could concentrate on my health. I knew my neighbor wanted to buy my back acres to the property. So I thought it would be a good thing to go ahead while real estate was high plus cutting my acreage down from XXXX acres to XXXX acres plus my house would be beneficial because XXXX acres and a house is a quicker sale than XXXX if I had something terrible happen and God forbid I had to sell my house. When I am not under a great deal of stress I am normally very good with assessing the best way to move forward but I also need the facts ( appraisals and explanations of what payments are. I keep most everything that is documentation that could help me. I found my old emails and contacted XXXX XXXX, she was Retail Customer support Specialist and she had started the process of reducing my collateral in XXXX. I realized that First Citizen had not released a piece of collateral when I refinanced in XXXX. It took quite a bit of time for them to understand that the collateral ( XXXX acres ) really should not have been held but as long as it got worked out I was not going to say anything. It had taken about XXXX and XXXX years and it was not what I had wanted but it was close and it was done by a XXXX XXXX. He seemed to be an honest man and did his best to explain things to me and be very fair. He is no longer with the bank. First Citizens seems to have a problem keeping those employees. \nThere was no longer a division that did what XXXX did so of course Loss mitigation is where I was told to go. They put me with what seemed to be a young man that seemed very inexperienced, XXXX XXXX. At first he told me he did not know that could be done and I told him we had already done it in XXXX, then he told me that yes he could do it. I had offered to put a higher amount down on my principle thinking to begin with the survey would say it was going to be XXXX XXXX to XXXX acres to sell. I even told XXXX that could change if the amount of land sold changed this should have been common sense and we would have to renegotiate that figure and he said that he understood. \nHe seemed so unsure of himself and I even asked him was he sure about all of this because I did not want to get stuck paying XXXX XXXX for a survey and this was my nest egg to help me get thru this year to get my back straightened out. I asked for someone higher up than him that could help me but he kept ignoring me. I have those emails also. He assured me he could do it but later when I found out it was just over XXXX acres to sell in the plot not close to XXXX like I had thought originally. I had reached out to XXXX XXXX from years ago to see if he was still there and to find out if he knew who I needed to speak with that was above XXXX XXXX. In XXXX I encountered XXXX XXXX, he had the same attitude problem then. \nXXXX -- -- I have an app. that records my phone calls and I told XXXX that later. I talked to XXXX about being uncomfortable with XXXX XXXX acting like he was unsure of himself. No one told me until attorney XXXX XXXX XXXX ( attorney that handles XXXX XXXX forclosures ) that XXXX was leaving the bank on the same day that I was trying to close. That gave me a clearer understanding of XXXX 's attitude A couple of months earlier I had told XXXX that I did not feel like XXXX knew what he was doing and he did not understand what I was trying to do. I told XXXX that XXXX said why didn't I take the years worth of payments and put it in a savings account and make my payments each month. How do you get to be the V.P. of anything and not know what I would think would be key vocabulary. He did not understand what deferring my payments meant for the bank to put your payments on the end of my loan, not make me put down more money that I needed to help me with my basic bills each month. The next 3 months are critical and I am very fearful. At this point I still was not sure who worked for who but XXXX assured me he would work alongside XXXX. When I asked XXXX if he was sure, that this was really important because with my back the way it is because of the wreck, I was having to watch every XXXX until I could get my back lumbar facet injections and cauterized. XXXX told me it was Mortgages and he could do what he wanted to, not to worry about it. He either forgot he said this or did not care or he was just trying to get rid of me.. \nXXXX sent me a list by email of what I needed to get done which was no problem and basically all XXXX had to do was put in for an appraisal. This began middle of XXXX and I asked XXXX to put in for the appraisal on XX/XX/XXXX when I emailed him to remind him to do it. I should not have had to remind him to do it period considering all he had to do was get the appraisal done and figure out a customer with over {$330000.00}. Dollars in equity had to put on her principal. If I could have done it myself, I would have but evidently the bank has to call and have one of these independent places that chooses one. Not hearing a word, I was getting worried so after I waited a week, I called XXXX back on XXXX XXXX to see where we were. XXXX said he had given it to a team member to handle and it evidently did not get handled. I was very upset and it was effecting my health. Finally, the appraiser called me on Saturday XX/XX/XXXX and he explained he got it on Friday XX/XX/XXXX. The appraiser apologized and said there is no way that it takes over a week from the time it is put in for it until they contact the client On XXXX XXXX we arranged for him to be at my house Monday morning at XXXX. \nI have had to waste the last month to put this account of what happened together along with the documentation. By looking at the past appraisals, you could tell that the new appraisal should come in at about {$470.00}. Which is exactly what it came in at and I had asked XXXX to tell me what the amount of my own money was to be put in to my own loan, if the appraisal came in at that amount. The attorney and I both had tried to get an idea of what they were basing this on if the maximum was {$470.00}. ( the maximum ) I checked every day hoping that the appraisal would be in so that XXXX and XXXX could negotiate with my attorney XXXX XXXX. \nComplaint -- - on the morning of XX/XX/XXXX Attorney XXXX wrote an email to XXXX and XXXX ( Email included ) explaining how the amount of acreage was less than we thought and with the amount of equity the house has, it was more than fair to First Citizen for me to put {$20000.00}. XXXX XXXX of my own money on my own principle of my own loan and for the bank to do about a year of deferred payments considering nothing had been done for me during XXXX. It was not asking too much. Two other banks said that it was terrible that it was my land and my money and other than the bank charging me some nominal charge for the little bit that it took them to figure out that {$20000.00} and was more than enough to cover 2 years plus some, of payments, bring my mortgage down to {$110000.00}. and giving me a year of differed payments would give me time to get back on my feet from XXXX and these wrecks, unless the bank was trying to get me to fail. Instead, First Citizen took 4 years of payments and no deferral. That hardly seems fair especially when an alleged crime was committed by them not giving me the appraisals when they should have. I plan to go ahead and get free from First Citizens as quickly as possible. Hopefully before the year is up. I don't like to do business with people that are nasty to older people. \n\nPlease remember I did not owe anything as a matter of fact I was ahead about {$300.00} dollars and I needed as much as I could to be able to survive this year to get my medical done and either get my XXXX, which is coming up in 2 - 3 weeks but also be able to work some when they fix this nerve in my back. Attorney XXXX explained to XXXX and XXXX in his email to them XX/XX/XXXX that I had this medical that no fault of my own. I needed to take care of this year and I wanted to pay {$20000.00}. of my money to my principle on my loan. The morning after Attorney XXXX emailed the bank, XX/XX/XXXX the appraisal came in. XXXX XXXX called me instead of calling my attorney. He explained that the bank wanted to take XXXX XXXX XXXX XXXX to put on the principle and then take another XXXX XXXX XXXX {$9000.00}. to make my payments for a year. ( again he did not understand and XXXX did not explain it to him ) He said something and I said something like what kind of a choice is that. I was so disgusted, that after all that work on my part to make sure everything was completed and XXXX did not bother to talk to XXXX about deferring my payments. I asked where was the copy of the new appraisal to help me with what was going on. He said the total was {$420000.00}. I was trying to process why it would have been low. I was having a very bad day with my back. I assumed he was called attorney XXXX next and was going to get it straight with him until I called a few hours later. XXXX never bothered calling attorney XXXX. I understand now why the Consumer Financial Protection Bureau requires the customer to have their appraisal prior to the loan closing and First Citizen should be held accountable for me not having it. If XXXX had emailed me the appraisal and called to tell me to please look over it and he would call me back in an hour that would have been all we needed to negotiate. I would have had the chance to speak to my attorney and point out this was exactly what my attorney offered the bank in his email the day before. Instead, XXXX XXXX called me when his normal avenue to communicate was email. He caught me off guard and told me the appraisal amount was {$50.00} less than it actually was. \nAccording to attorney XXXX XXXX, XXXX also did not turn in the email to get him the ok to do the release of the XXXX acres until XXXX. on Thursday XX/XX/XXXX. So now I had two problems that the bank should not have caused, that I was trying to straighten out. I could have waited a week or two to get the bank to straighten it out but considering many people were waiting on this closing, I was in a terrible position. The seller was going out of town and my friend needed the money I had borrowed from her because she was buying a house for her daughter. We had postponed the closing once and I did not want to postpone it again. I have spoken to several banks and they have all said it was so unprofessional and inhumane to have treated me like this. First Citizens made sure they got more than their fair share and I am struggling to pay my electric and my insurance and even groceries. Now XXXX has cost me XXXX when the interest rates are climbing. \nAfter closing on XX/XX/XXXX, XXXX and having to let First Citizen move my money around however they wanted to. I actually thought XXXX would want to make things right after he told me what a great Mortgage person he is. If he had spent as much time trying to help me as he did try to avoid me, we would not be in this situation. He spent extra time making sure I could not go over his head. I had spoken with one of the places that I could lodge a complaint and they told me one of the first things they would do would be to put me with a compliance department with First Citizens. So I called my branch and asked about reaching the compliance department. I was told by XXXX, the branch manager here in XXXX, that there was not a compliance department and she tried to direct me back to XXXX and even told me that she had emailed XXXX because he had directed them to contact him if I called. Trying to intimidate a person just because they are trying to get to a solution is a terrible thing to do. I can not help but be suspicious of XXXX. Monday approx. XXXX. XX/XX/XXXX, a XXXX XXXX XXXX called and identified himself as a VP of XXXX Banking and told me that the compliance department had contacted him ( the one they do not have ) and asked him if he could reach out to me to see if he could help. I asked him if he minded if I recorded the conversation even though I did not need to ask him. He got so nervous he told me that Compliance would be calling me by close of business. Im still waiting on the call over a week later. Friday XX/XX/XXXX, I went by the main branch and dropped in on XXXX XXXX. He had another addition to the story. There was no name on the email that reached out to him. And they picked him because he was my branch manager. I pointed out to him that I live in XXXX why would he be my branch. He had no answer. He just happened to be downstairs from XXXX office. Attorney XXXX XXXX tried to email me and tell me that the bank did not have anything else they could help me with and they felt like they had done everything they could do. I asked attorney XXXX XXXX to tell me by who's authority he was writing me and he never would answer me. And would not answer me about the amounts that First Citizen charged me. I felt this was another form of intimidation all the while I imagine trying to preserve the amount of business that First Citizen sends to them. \nXX/XX/XXXX The attorney that First Citizen uses, XXXX XXXX XXXX, actually wrote me a letter apologizing for how upset I was when he spoke to me the afternoon of XX/XX/XXXX. He did try to shift the blame and say things like First Citizen had always intended to get my closing done. Even though his partner in the law firm had told me it would be at least a week before they could get it done. And the Appraisers busy schedule along with coordinating with my schedule to review my home. The appraiser contacted me on Saturday and I had him out Monday morning at XXXX I would have had him come Saturday night if it would have helped hurried it along. The Appraiser, XXXX XXXX is a very nice man and seemed very thorough. Considering First Citizens has done nothing for me except take money that they had not explained and took money from me that was excessive.\n\nThere are many other bank statements showing charges that do not match up. I will be glad to produce them. \n\nWe had XXXX hours before the closing but cutting out the collateral got screwed up also because I was told XXXX did not email Attorney XXXX XXXX XXXX either with the instructions until XXXX or XXXX. for the one page document that took them about 30 minutes to do, but they had to have the go ahead and the survey. attorney XXXX XXXX had said that they did not have the survey but they did have it. We got that cleared up. They had the survey and the ok was just a couple of sentences but XXXX had to do the go ahead. \nThe first appraisal had not been put in for at all so we had to push the closing out. The first date was XX/XX/XXXX, my neighbors were going out of town and I had promised to pay my friend back because she was buying a small house for her daughter. She was kind enough to pay for that pre-forclosure thing that I was overcharged by First Citizen by putting down extra appraisals and who knows what else. That needs to be assessed by someone at First Citizens and a detailed list given then my accountant will look at it and I expect to be reimbursed for anything that I overpaid or should not have paid.\n\nHow is the mortgage banker not licensed here in South Carolina?\n\nWhat I want and/or expect : I want to be made whole again.\n\nI want First Citizen to institute a program that will listen to customers and together see if there is merit to what their complaint is. Sometimes people are just not explaining things correctly and need a little bit of help.\n\n*I want at least {$14000.00}. of my money returned to me from First Citizens immediately. I may be damaged further because of the rising interest rate and not being able to devote time to getting some sort of refinancing at another bank or loan institution. \n\n* Amounts defined in detail from letter dated XXXX XXXX from XXXX XXXX XXXX. \namount labeled 3.Corporate Advances {$5000.00} amount labeled 4. Attorney Fees {$1000.00} amount labeled 5. Attorney costs {$330.00} and the additional {$840.00}. charged to me. Added to the Temporary repayment letter and not explained.\n\nI want those amounts plus interest given back to me immediately.\n\n*I want First Citizens to be held accountable for not getting me either of the appraisals in the time frame that is allowed by law. \n*First appraisal done XX/XX/XXXX and not given to me until XXXX ( plus mailing time ) needed it for the time starting XX/XX/XXXX to do my hardship packet. \n*Second appraisal done XX/XX/XXXX and not received until XXXX ( plus mailing time ) Needed XX/XX/XXXX to work on closing amount. And work on the amount that should be paid on principle from the sale of my property. \n\n\" Addendum : First Citizens set aside a year of payments when the bank was aware that there was not a year left of payments before the balloon payment at the end of the loan which is XX/XX/XXXX. This was in a letter sent by the Manager Regional Security ServiceXXXX XXXX XXXX The letter was very threatening. '' Thank you for your time. \nXXXX XXXX XXXX XXXX XXXX XXXX. \nXXXXXXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-08-01T19:36:45.000Z","issue":"Closing on a mortgage","sub_product":"Other type of mortgage","zip_code":"29016","tags":null,"has_narrative":true,"complaint_id":"5739845","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST CITIZENS BANCSHARES, INC.","date_received":"2022-07-06T13:06:32.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["There are many <em>other</em> bank statements showing <em>charges</em> that do not match up. I will be glad to produce them."],"sub_product":["<em>Other</em> type of mortgage"]},"sort":[7.578451,"5739845"]},{"_index":"complaint-public-v1","_id":"3398039","_score":5.1636467,"_source":{"product":"Mortgage","complaint_what_happened":"I am a current customer of Rocket Mortgage. I wanted to refinance my mortgage while rates are so good. I Rocket called and got a broker names XXXX. XXXX. He assured me in writing 9 times, via text that he would create a 23 year \" Yourgage '' at 3.75 % Zero points. He repeatedly told me that 3.75 at zero points was agreed on, however, he would post a totally different disclosures at 3.75 % with points from 1.5 to 3 points, and then he'd defend that decision saying that is the best the market can do, but hed then tell me several times again Id get 3.75 I'd get zero points. XXXX also has never posted a final loan estimate packet, which is easiest to read, instead he posted 3 separate and different loan re-disclosure forms which are not easy to read. It is my OPINION XXXX delayed posting these interest rate disclosures and he refused to post the Loan Estimate packet because he was likely waiting until rates increased again before releasing the document, at which time I would be stuck, and hed still be compliant by eventually giving me the documents required by law. I started this process on Monday XX/XX/XXXX and I withdrew my application for refinance Friday XX/XX/XXXX. I just wanted someone to know that Rocket Mortgage in my opinion deceived me on at least 9 occasions, and I am concerned if it is not just me who else are they taking advantage of. Here is a transcript, unedited of all my texts between me and XXXX at Rocket Loans. Note as I got more and more upset, I began to just call him Liar. Not my best moments. \nText Exchange, unedited : -- -- -- Monday, XX/XX/2019 -- -- -- XXXX ( XXXX XXXX ) Let me know if you need any help with e-signatures. \n\nMe ( XXXX XXXX ) Will do XXXX Me ( XXXX XXXX ) All signed, pay stub emailed. \n\nMe ( XXXX XXXX  ) Please confirm nothing else needed from me thanks XXXX ( XXXX XXXX ) We are good to go! Keep an ear by the phone, appraiser will be reaching out next Me ( XXXX XXXX ) Ok, sounds great Me ( XXXX XXXX ) XXXX, what appraised value on out home gets us to the next pricing tier? Was it XXXX???? I did not write that down. \n\nMe ( XXXX XXXX ) Our home XXXX ( XXXX XXXX ) yup! XXXX Me ( XXXX XXXX ) Hey j looked thru the loan estimate and I was totally shocked to see 3 origination points out there. That is a ton, especially if I look outside of Rocket where I see tons of rates for my situation under 3.75 at 1 point for that? I even called a local bank I was told over the phone they could beat the 3.75 and do no points. XXXX in points for someone in my situation and 3.75 seems really really high as I look at the details. This is causing me to pause. \n\nMe ( XXXX XXXX ) XXXX honestly I am literally out the door shopping today if what I am being told outside of rockets estimate is firm and accurate XXXX ( XXXX XXXX ) I'm going to make sure we take good care of you throughout this process, again I want to be as conservative as possible. My pricing director is going to take care of us when it comes to pts. We just want a firm value to work with XXXX ( XXXX XXXX ) post appraisal XXXX ( XXXX XXXX ) I'll make sure to send a re-disclosure out. I want to let everything fall in place post appraisal. When it comes to the pts I'll make sure we get you the best approved pricing possible. \n\n\nXXXX ( XXXX XXXX ) Other lenders will tell you anything to get foot in the door. I'd rather be conservative and honest on what I can close on in a worse case scenario. \n\nMe ( XXXX XXXX ) Ok thanks XXXX, 3 points really shocked me. Let 's stay the course for now and see where the appraiser lands and go from there. \n\nXXXX ( XXXX XXXX ) I'm not going to have you pay 3 pts on this, even if the home appraises lower. We want to make sure we keep you right here at QL with the best possible refi option. \n\nMe ( XXXX XXXX ) Thanks XXXX I appreciate it! \n\nMe ( XXXX XXXX ) Screenshot_20190916-230608_Adobe_Acrobat.jpg 625.6 kB Hi XXXX, late text, I paid zero points to you when I originated my loan at a higher rate. I really would expect zero points for this refi. \n\nMe ( XXXX XXXX ) No need to call tomorrow, the more I think of it, in this market points paid by the borrower at 3.75, any points is throwing money away. That said before I pay for an appraisal I do need this portion ironed out on paper, or I will need to do my due diligence and walk over to the bank who quoted me today, zero points and possible better rate. No offense, this is cash out of pocket. So please let me know the deal in points we can talk rate after an appraisal. Almost 14k in points is simply insane. \n\nMe ( XXXX XXXX ) XXXX, the delta on my interest rate on my current loan and apr on my current loan is ... .... \n.009 %. The delta on the refi between interest rate and apr is a HUGE .357 %! I am hopeful these texts are arriving not on your phone but at work. My day is packed and I have little time. \n\nMe ( XXXX XXXX ) So I closing tonight. Tomorrow, I need confirmation that I will have zero points, or I will need to pause and start making other calls. I need this decided for me tomorrow. If you look back at my prior almost refi, this is not bluff, I walked 1 half way thru the process, I just won't waste XXXX bucks to an appraiser to figure it out first. Sorry XXXX, time is short and I need rush this through QL or start asking around. XXXX XXXX in  points is just plain insane. \n\n-- -- -- Tuesday, XX/XX/2019 -- -- -- XXXX ( XXXX XXXX ) XXXX, thanks for the feedback. I'll take a look at a no point option. Again, any lender in America has to base pricing off the final appraised value. You are a serviced client of ours, we are going to do everything we can to get you the best XXXX ( XXXX XXXX ) possible option. Would you be open to a slightly higher rate at 0 points? Let me know what you think, I want to make sure this is perfect for you and the fam Me ( XXXX XXXX ) Hi XXXX if you could let me know the best QL can offer relative to points at 3.75? \n\nXXXX ( XXXX XXXX ) Based off the conservative value we would be able to get down to 1.5. However at 70 % LTV we could cover all points. This is the beauty of being a direct lender, we can assess the risk base pricing upfront. \n\nXXXX ( XXXX XXXX ) I'm going to do everything on my end to make sure we get you the best loan to close with the easiest process. \n\nMe ( XXXX XXXX ) So if the appraiser comes back giving us 70 % we could be 0 points and if XXXX, 3.625, 0 points? \n\nMe ( XXXX XXXX ) Otherwise as is, 1.5 points if XXXX on the value still? \n\nXXXX ( XXXX XXXX ) correct, the final pricing is all dictated on the appraised value. Like I said, I want to be as conservative on pricing up front and let things fall into place as we close -- -- -- Wednesday, XX/XX/2019 -- -- -- Me ( XXXX XXXX  ) Hi XXXX. The appraiser will be out tomorrow. I also saw the fed cut rates another 1/4 point today affecting mortgage rates, will QL react and lower rates overall and will it affect my application, refi? \n\n-- -- -- Thursday, XX/XX/2019 -- -- -- XXXX ( XXXX XXXX ) I'm going to see if the pricing will be affected, if there is any discount I can apply due to a pricing cut by feds I'll surely apply for you guys Me ( XXXX XXXX ) Thanks XXXX, from your most pain in the XXXX customer. I really do appreciate your patience. \n\nXXXX ( XXXX XXXX ) No way! you're the man : ) Me ( XXXX XXXX ) I get wound up in the details man. I appreciate your patience! \n\nMe ( XXXX XXXX ) Appraiser just left, any idea how long before it comes in? Ie what is the norm? \n\nXXXX ( XXXX XXXX ) next couple days, I'll keep an eye out -- -- -- Monday, XX/XX/2019 -- -- -- Me ( XXXX XXXX ) Hey XXXX, appraisal came back at XXXX! I am in meetings All day tomorrow. Could you send me best rate, hopefully no points, given ltv and my personal situation? Obviously no pmi, lower rate I think and no points? \n\nMe ( XXXX XXXX ) I may ask for a bot more cash out depending on what you and me, so please text or update the good faith estimate in docs. Thanks man! \n\nMe ( XXXX XXXX ) But Me ( XXXX XXXX ) Bit -- -- -- Wednesday, XX/XX/2019 -- -- -- XXXX ( XXXX XXXX ) I can get us a 3.5 % fixed rate at 2.5 pts ( half a pt less in cost! ) OR I can keep the 3.75 % and cover pts on that. pricing has definitely improved with the higher value : ) Me ( XXXX XXXX ) Is 2.5 points the absolute best you can do at 3.5 %? I can not understand 2.5 % in points for a .25 % improvement in rate. Can you explain that, it makes no sense. \n\nMe ( XXXX XXXX ) Generally in my experience 1 point in rate equals 1 origination point. \n\nXXXX ( XXXX XXXX ) I haven't submitted to my pricing director yet,  we are going to get it down as low as humanly possible. I should know within the day. \n\nMe ( XXXX XXXX ) I please check and look at my history. In XXXX I walked away from a refi with you, when I reached an impasse, I'll do the same here. Except I will move on to another lender. \n\nMe ( XXXX XXXX ) I need 0 points. When I took my loan out, a selling point was other than fixed costs, closing costs at RM would not be repeated, I clarified this as points. Maybe I misunderstood. I PROMISE. look at my history last spring I will walk. I PROMISE. perfect credit, no debt, nice LTV, your risk is nil with me Me ( XXXX XXXX ) The only difference between now and last spring is I will leave XXXX Me ( XXXX XXXX ) 2.5 points paid for a quarter point is INSANE XXXX ( XXXX XXXX ) Ok, I'll take care of it. \n\nMe ( XXXX XXXX ) Thanks XXXX, I do appreciate it. \n\nXXXX ( XXXX XXXX ) So do we want no points at the 3.75 %? This would increase the cash out significantly and essentially eliminate the cost OR we could look at a little lower interest, I don't know if I can promise it will be ZERO points. \n\nMe ( XXXX XXXX ) I was looking for 0 points at 3.5. How can there be 2.5 points to reduce the rate by .25 percent?? That makes zero sense to me. \n\nMe ( XXXX XXXX ) If you can not, please tell me and I will pause and look elsewhere to confirm I am am correct. If i am, i and I can get 3.5 at 0 points I walk. \n\nXXXX ( XXXX XXXX ) Pricing is dictated by the federal reserve. We have to understand 3.75 % or 3.5 % is insanely lower fixed interest. It's good we locked in when we did, pricing has only increased since this impeachment stuff has taken place. \n\nXXXX ( XXXX XXXX ) I'm going to give you the best possible pricing available on a fixed rate mortgage whether it's the 3.75 % or the 3.5 %. The lower rate is more of a buydown. I'd take 3.75 % with more cash out and cost essentially eliminated Me ( XXXX XXXX ) I get it is a buy down, but what I do not understand is 1 quarter point equaling 2.5 origination points. \nSo I hear you, I respectfully can not agree that this is equitable. \n\nMe ( XXXX XXXX ) I'll start making some calls. Time is short for me here. \n\nMe ( XXXX XXXX ) What is the apr on 3.5 with 2.5 points? \n\nXXXX ( XXXX XXXX ) Like I said, let me have my pricing director make adjustments. I don't know what the final buy down is with the updated value. I hope you can respect and appreciate my honesty and transparency. \n\n\nMe ( XXXX XXXX ) I do my friend, I am in my business mode, so do not take my directness as offense, please. I just need facts. \n\nXXXX ( XXXX XXXX ) All I have is facts, like I said we are going to get you the industry best on pricing. We will also be able to close very quick Me ( XXXX XXXX ) Very good. Just let me know, I need to know apr of 3.5 percent at 2.5 origination points. I suspect it is equal or greater than 3.75 no points. \n\nXXXX ( XXXX XXXX ) I'll let you know ASAP my friend -- -- -- Thursday, XX/XX/2019 -- -- -- Me ( XXXX XXXX ) Thanks XXXX, was travelling the balance of the day yesterday and on calls most of this morning. Again, you are great man, so do not take my tone as one of  dissatisfaction. \n\nXXXX ( XXXX XXXX ) You're the man! I'm working on final pricining with VP now XXXX ( XXXX XXXX ) pricing* Me ( XXXX XXXX ) Thanks XXXX XXXX I appreciate your efforts! \n\nMe ( XXXX XXXX ) And I do get wound up, my apologies for that. Something I work on NOT doing! \n\n-- -- -- Friday, XX/XX/2019 -- -- -- Me ( XXXX XXXX ) HXXXX XXXX, just checking in to see where you were relative to your inquiries with the VP of pricing. Thanks in advance. \n\n-- -- -- Monday, XX/XX/2019 -- -- -- Me ( XXXX XXXX ) Hey XXXX, time is passing and I've not heard from you guys in a bit. Please advise the status XXXX ( XXXX XXXX ) I've been out sick the last couple days. Good news, we are good to go at 3.625 % ( lower rate ) at 1.75 pts. This takes you out of the 3.75 % at 3 points. You are saving over 10k on cost with a lower rate! \n\n\nXXXX ( XXXX XXXX ) Cash back to you has also increased Me ( XXXX XXXX ) 1 question, earlier you still stated in this thread 3.75 and 0 points. Is that still an option? \n\nMe ( XXXX XXXX ) From you last Wednesday : Me ( XXXX XXXX ) So do we want no points at the 3.75 %? This would increase the cash out significantly and essentially eliminate the cost OR we could look at a little lower interest, I don't know if I can promise it will be ZERO points. \n\nMe ( XXXX XXXX ) I can get us a 3.5 % fixed rate at 2.5 pts ( half a pt less in cost! ) OR I can keep the 3.75 % and cover pts on that. pricing has definitely improved with the higher value : ) XXXX ( XXXX XXXX ) I can submit that option again, I want to make sure I'm getting the most amount of savings on interest over the life of the loan while getting you the necessary cash out XXXX ( XXXX XXXX ) the 3.625 % will get you XXXX cash at close. You think this will be enough? \n\nMe ( XXXX XXXX ) No, I had asked for XXXX out if you recall, let me know on the 3.75 no points. You told me that was available to me 5 days ago, I expect that to be honored. I need to know now also, I'm waiting no more on this. You all budged nothing o what I was asking, I asked for for you say XXXX cash out. You offer 3.75 no points and now you imply you have to ask again. XXXX this is very disappointing. I feel like this is a textbook bait and switch. \n\nMe ( XXXX XXXX ) And based on the new pricing I may want more than XXXX out. Now i am truly frustrated. \n\nMe ( XXXX XXXX ) Resized_Screenshot_20190930-102313_Messages.jpeg 510.5 kB XXXX I do not know which way is up. I read back and I asked a direct question, you gave me a direct answer. You said 3.625 and no points would happen I'd my appraisal exceeded XXXX. Here is our exchange. If you give me any other answer, I need to speak to a vp of pricing and Express my dissatisfaction with these inconsistencies. \n\nXXXX ( XXXX XXXX ) I'll submit 3.75 % at zero pints. I'm letting you know exactly what I can close on. I need you to make a decision on which way you want to go. Like I stated upfront pricing has gotten significantly better post appraisal. \n\nMe ( XXXX XXXX ) So if pricing has gotten better post appraisal and as your text seem to say copied above 3.625 no points, I am at a loss. Submit what you will, I'll not pay a point. I am out of here under 2 conditions, if I do not hear back today by XXXX, I walk, if I do not hear the rate I want, by XXXX, I walk. This process honestly has been terrible. I prior XXXX out and highlighted the contradictions in this text stream and I'm pretty shocked. \n\nXXXX ( XXXX XXXX ) I have you approved for 3.75 % covering the points getting you XXXX cash at close. Let 's get this loan closed. \n\nMe ( XXXX XXXX ) Am I able to get any more than XXXX out? \n\nMe ( XXXX XXXX ) I mean what is the max i can take out? \n\nXXXX ( XXXX XXXX ) If we exceed 70 % LTV pricing will adjust again. Like I said from day one ... your cost has decreased over 10k due to higher value, this money is being allocated towards your cash out. I'm getting you pricing I could not even get approved on. \n\nXXXX ( XXXX XXXX  ) I can technically get you an additional XXXX, this will take loan to 80 % LTV. I can't do 80 % LTV for zero points and this will increase he monthly payment. \n\nMe ( XXXX XXXX ) Ok 3.75 0 points. Max the cash out as close to 70 percent ltv as possible. Please send me the loan estimate when able with the locked in munbers. \n\nXXXX ( XXXX XXXX ) Will do -- -- -- Tuesday, XX/XX/2019 -- -- -- Me ( XXXX XXXX ) Any update on the loan estimate package so I can see all that we discussed on paper? \n\nXXXX ( XXXX XXXX ) Yes, disclosure should be available this evening. \n\nMe ( XXXX XXXX ) Nothing has posted, I am specifically looking for the loan estimate package, good faith estimate, the breakdown of costs please. I need it in writing asap. We are 2 weeks in I believe. \n\n-- -- -- Wednesday, XX/XX/2019 -- -- -- XXXX ( XXXX XXXX ) I'll resubmit. The rediscloses should be updated Me ( XXXX XXXX ) Ok Me ( XXXX XXXX ) And to be clear, I really want the break down of costs, a good faith estimate, whatever yall call it. Loan estimate package? I need to know exactly where all money is allotted well prior to closing. \n\nXXXX ( XXXX XXXX ) Absolutely, by law I need to provide you the entire breakdown of the loan. Documents will look exactly like initial ones Me ( XXXX XXXX ) Great thanks. \n\nMe ( XXXX XXXX ) Fyi, still no new information posted. \n\nXXXX ( XXXX XXXX ) I'll contact my tech guys, disclosures should be posting Me ( XXXX XXXX ) Thanks Me ( XXXX XXXX ) Still nothing -- -- -- Thursday, XX/XX/2019 -- -- -- Me ( XXXX XXXX ) Still nothing and to clarify, I will get all of the numbers to view today?? I can not wait until 2 days before closing. It took you 24 hours to create this last time, can you do the same today. Please? \n\nXXXX ( XXXX XXXX ) There seemed to be an issue loading docs into your Rocket Account, I should have everything uploaded by XXXX XXXX Me ( XXXX XXXX ) Fyi, approaching XXXX day 4, still nothing Me ( XXXX XXXX ) After 3. Still nothing. I am not even upset or surprised anymore. All I want are the figure we discussed, I writing. Email me. Text me. Forget the app. I just need to see the figures. \n\nMe ( XXXX XXXX ) The form, not just the rough figures. I need to know every penny I am spending Me ( XXXX XXXX ) Oh well. Nothing. Well, rates seem to be dropping again, I am shopping again. Would appreciate your good faith estimate at some point. If I get a better rate with a prior broker I've used, I'm gone. \n\nMe ( XXXX XXXX ) Of no better rate, I will stay. If I do get a better rate though, that is between me and my broker and I will not initiate a bidding contest, I'll just be gone. This really has not been easy, it has not been fun. \n\nMe ( XXXX XXXX ) We've been texting for 19 days for heaven sake and I can not even get a piece of paper to see what you are charging me. \n\n-- -- -- Friday, XX/XX/2019 -- -- -- XXXX ( XXXX XXXX ) My apologies, we had a company meeting yesterday. Disclosures were sent out at noon yesterday. Everything is updated Me ( XXXX XXXX ) I am working with my former broker now, I'll know shortly whether I stay or move my loan Me ( XXXX XXXX  ) Still nothing posted by the way. \n\nMe ( XXXX XXXX ) Nothing. Good lord. \n\nMe ( XXXX XXXX ) Resized_Screenshot_20191004-092202_Adobe_Acrobat.jpeg 894.8 kB I dont even know what this is. \n\nMe ( XXXX XXXX ) 3.5 %? \n\nMe ( XXXX XXXX ) And another disclosure, where dis this discount fee come from, it wasn't on my original loan application process? \n\nMe ( XXXX XXXX ) Resized_Screenshot_20191004-092202_Adobe_Acrobat.jpeg 894.8 kB XXXX ( XXXX XXXX ) I sent the docs out for the 3.75 % yesterday. You are probably looking at old disclosure aT 3.5 % Me ( XXXX XXXX ) What about the points, the alleged new one shows me paying over 7k o. Points dated XX/XX/XXXX? This redisclosure show you sneaking by almost 1.5 points. I am disgusted. If I was less educated or careful and didn't understand youd be screwing me every way you can. I am out bud. \n\nMe ( XXXX XXXX ) Ought to be ashamed of yourselves. \n\nMe ( XXXX AM ) Delay the loan estimate package until the final hour, sneak almost 1.5 point by me in this redisclosure package, hope I dont see if and hope rates are so high at closing I am screwed? Ok I am out. Your strategy is clear. Do NOTHING MORE ON THIS REFI. MY LOAN WILL BE PAID ON FULL IN 30BDAYS OR LESS. CROOKS. \n\nMe ( XXXX XXXX ) Company meeting at Rocket. Hmmm. How to steal cash from customers. I got it. \n\nMe ( XXXX XXXX ) I've got to put the phone down after this, but you expect me to believe that you had a company meeting where all work stopped across the country for 8 hours? \n\nMe ( XXXX XXXX ) XXXX Me ( XXXX XXXX ) Do NOT text me back, ever. I am done with you and your den of thieves. Another message will juat make my head explode I am so furious with you and your crooked company Me ( XXXX XXXX ) Why would you treat a person like this? I am shaking I am so furious thinking about all of the elderly or uneducated or folks ignorant of the process you XXXX gleefully daily I expect. \n\nMe ( XXXX XXXX ) By the way my broker beat your rate and is giving me a written float down guarantee. Crooks. \n\nXXXX ( XXXX XXXX ) I told you the pricing would shift in your favor if the home appraised for more, the home appraised for more and the pricing shifted in your favor. I have you approved on the best possible pricing I can get. You can shop all you want but I have XXXX ( XXXX XXXX ) applied as many discounts to this as possible. You can't just demand a certain rate at 0 points, it's not home mortgages are priced. I'm giving you the best I possibly can. \n\nMe ( XXXX XXXX ) Stop it. You liar. You lied. You told me youd cover all points. Now go away and do not condescend to me kid. Go XXXX an easier mark. Read your XXXX texts. You liar XXXX ( XXXX XXXX ) You were asking for 3.5 % at zero points, I've got the best possible pricing approved. If you want to shop go for it, I can withdraw the loan application. It's up to you, the loan accomplishes all your goals. It's pricing I couldn't even get on my hom Me ( XXXX XXXX ) Nope liar. 3.75 percent 0 points is what we agreed to monday. Read your text. \n\nMe ( XXXX XXXX ) Resized_Screenshot_20191004-101829_Messages.jpeg 428.5 kB Me ( XXXX XXXX ) Oh yes, withdraw my application pack of thieves. \n\nXXXX ( XXXX XXXX ) I submitted for 0 points, I cant control the pricing on a mortgage ... I have it approved the best I can at that rate. I'll withdraw the loan. This is about as good of pricing that you'll find, if you want to shop you can but I can keep this on ice Me ( XXXX XXXX ) Why did you lie to me. Read your words withdraw this loan app and never talk to me again. I'll be posting this text stream on social media XXXX ( XXXX XXXX ) I submitted the loan for 0 points, I apologize I really do. I wish I could do the 3.5 % at 0 pts but I have to offer what the bond market provides. I wouldn't have you close or sign on anything without visibility. This is the best I can offer. \n\nXXXX ( XXXX XXXX ) I should never have talked about pricing before my team got back, I do apologize. This is the best I can possibly do at the 3.75 %. I understand if you want to stop the process. \n\nMe ( XXXX XXXX ) Dude, 3.75 at 0 points. Dont pretend we are still talking about 3.5. Your last redisclosure from yesterday is 3.85 at almost 1.5 points. Withdraw my loan liar. \n\nMe ( XXXX XXXX ) Liar. Bait and switch. Wait until the end before I discover your lie. Too late then. \n\nMe ( XXXX XXXX ) Liar. \n\nMe ( XXXX XXXX ) Withdraw the loan. Now. My broker has already beaten your best lie, in writing. \n\nXXXX ( XXXX XXXX ) XXXX, you haven't signed anything, the loan actually has gotten significantly better since when we first started. \n\nXXXX ( XXXX XXXX ) Ok no problem, I wish you the best. \n\nMe ( XXXX XXXX ) Poor XXXX Rocket customers. I will tell this story everywhere With draw the loan liar. \n\nMe ( XXXX XXXX ) Oh and I downloaded another disclosure from Monday zero points. 3.75. You guys are awful people XXXX ( XXXX XXXX ) Yes I submitted it for you. and the pricing got declined XXXX ( XXXX XXXX ) I've been honest with you, I've been trying. \n\nXXXX ( XXXX XXXX ) But it sounds like you have an even better offer approved. \n\nMe ( XXXX XXXX ) An honest one Me ( XXXX XXXX ) You must've known it was not approved then, why did you wait for me to discover it. Hoping I would not notice? Liar. \n\nXXXX ( XXXX XXXX ) Ok enough with the name calling. If you have a better offer go with it. I've tried to submit for 0 pts on 3.75 %, it got declined. I've given you the best I've got. \n\nMe ( XXXX XXXX ) Goodbye. You know what you are Me ( XXXX XXXX ) 9 times in this thread you assured me in my situation 3.75 at 0 points. I can not wait to post this entire exchange on XXXX, XXXX, send it to the XXXX, your ceo. Wow. I hope you can sleep at night. Couldn't help but point out the 9 lies you told me I can count. My broker said that he get 4 or 5 customers a month telling him the same story about Rocket.  Sneaking points and costs by. And I thought you were just bad at your job. Maybe you are really good at lying. Good night.","date_sent_to_company":"2019-10-07T16:09:47.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"24060","tags":null,"has_narrative":true,"complaint_id":"3398039","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2019-10-07T15:18:55.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Me ( XXXX XXXX ) I please <em>check</em> and look at my history. In XXXX I walked away from a refi with you, when I reached an impasse, I'll do the same here. Except I will move on to another <em>lender</em>. \n\nMe ( XXXX XXXX ) I need 0 points. When I took my loan out, a selling point was <em>other</em> than fixed costs, closing costs at RM would not be repeated, I clarified this as points. Maybe I misunderstood. 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