{"took":180,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":23,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2689858","_score":16.737583,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX Account is frozen without reason for almost 3 months ==== We set up a PayPal business account for non-profit in XXXX XXXX. Since then, we have use it for online donation and money transfer to bank account or other PayPal accounts without problem. \n\nSince XXXX, the account was put into account limitation state and could not transfer money out. Starting from XXXX, the account could not even receive money. As such, we can not accept online donation. Currently there is about XXXX in the account. \n\nPayPal compliance department requested 4 pieces of information on XXXX ( see attached ). Due to some technical issues probably in PayPal side, we did n't receive any related emails from PayPal in our 3 email accounts registered in PayPal. Once we learned the situation through other channels, we provided the requested information on XXXX. \n\nAgain, no further email or phone call was received from compliance. Only after calling to Customer Service, we learned that additional information was asked. We provided that on XXXX, XXXX and XXXX. \n\nAccording to customer service, the review process started on XXXX. 4 weeks have passed and we have received no information on its progress and its conclusion. Through multiple phone calls to customer service, this case had been escalated various times. But this does not seem to have any effect. \n\nBased on a recent class action lawsuit settlement, PayPal is required to provide the reasons for freezing an account. We have received none. In the call to customer service on XXXX, a ticket is filed to request that. \n\nAs a long time customer, our ability to conduct normal operation has been severely affected by PayPal action to freeze the account for almost three months, even after all the requested information has been provided. This kind of assets seizing without court order is problematic in legal and business sense. It is unimaginable for a regular bank doing so without facing consequence.","date_sent_to_company":"2017-10-02T07:09:31.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"94544","tags":null,"has_narrative":true,"complaint_id":"2689858","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2017-10-02T02:48:09.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In the call to <em>customer</em> service on XXXX, a ticket is filed to request that. \n\nAs a long time <em>customer</em>, our ability to conduct normal operation has been severely affected by PayPal action to freeze the account for almost three months, even after all the requested information has been provided. This kind of assets seizing without court order is problematic in <em>legal</em> and business sense. It is unimaginable for a <em>regular</em> bank doing so without facing consequence."]},"sort":[16.737583,"2689858"]},{"_index":"complaint-public-v1","_id":"13207009","_score":12.180719,"_source":{"product":"Credit card","complaint_what_happened":"I HAVE BEEN A LONG-TIME XXXX  RETAIL CREDIT CARD HOLDER WITH A CREDIT LIMIT OF {$8000.00} ON THE XXXX CASH REWARDS PROGRAM. \n\nTHE CARD PAYS 5 % \" CASH BASH '' ON ELIGIBLE PURCHASES WHICH FOR A LONG TIME I HAVE USED FOR GROCERIES, GAS AND STREAMING SERVICES AND HAVE RECEIVED 5 % CASH BACK CREDITS ON THOSE CATEGORIES OF SERVICES. \n\nI KEEP A RELATIVELY LOW BALANCE OF LESS THAN 25 % UTILIZATION AND THE CARD IS PAID OFF IN FULL EACH MONTH. I DON'T BELIEVE I'VE EVER PAID ANY INTEREST PAYMENTS ON THE BALANCES AND I'VE RECEIVED A GOOD AMOUNT OF 5 % CASH BACK CREDITS OVER THE YEARS ON THE ELIGIBLE SPEND. \n\nEARLIER IN XXXX, THE TRANSACTIONS JUST STARTED BEING DECLINED FOR NO REASON. I BEGAN TO USE ANOTHER CARD UNTIL I HAD TIME TO LOOK MORE INTO THIS. EARLIER TODAY ( XX/XX/year> ) I CALLED XXXX 'S CUSTOMER SERVICE DEPARTMENT AND ASKED WHAT WAS GOING ON WITH MY CARD. \n\nI WAS TOLD BY THEM THAT XXXX  HAD MADE THE DECISION TO CLOSE MY ACCOUNT. I WAS PROVIDED NO NOTICE OF THIS VIA MAIL OR ANY INDICATION THIS WAS HAPPENING. \n\nI THEN ESCALATED THIS UP TO THE MANAGER AND WAS TOLD THAT XXXX HAS THE RIGHT TO CLOSE THE ACCOUNT FOR WHATEVER REASON WHATSOEVER AND IT REVIEWED ITS LOAN PORTFOLIO AND DECIDED THAT IT WAS CLOSING MY ACCOUNT DOWN, BUT WAS NO REFLECTION OF MY OR MY ABILITY TO PAY. THEY HAD NO FURTHER INFORMATION ON THIS. \n\nTHEY NEVER PROVIDED ME A NOTICE BY MAIL ON THIS OR ANY LEGALLY REQUIRED PIECES OF INFORMATION. I REQUESTED THIS INFORMATION BE SENT OVERNIGHT CERTIFIED MAIL, AND THEY TOLD ME THEY ONLY SEND THINGS REGULAR XXXX MAIL. I ADVISED THEM THEY HAVE LIKELY VIOLATED A NUMBER OF FEDERAL LAWS & BANKING REGULATIONS AND THIS COULD BE A COSTLY RESOLUTION FOR THEM. \n\nI ALSO LET THEM KNOW THAT I AM A CERTIFIED FINANCIAL PLANNER WITH XXXX XXXX ( XXXXXXXX XXXX XXXX ), AND THAT I HAVE A BACKGROUND IN FINANCIAL COMPLIANCE AND BANKING. IF THEY FAILED TO DELIVER ONE DISCLOSURE FORM OR NOTICE, THIS WOULD LIKELY RESULT IN A LEGAL SETTLEMENT. \n\nI SUSPECT XXXX DECIDED BECAUSE I CONTINUED TO RECEIVE THE REBATES AND WASN'T CARRYING BALANCES REGULARLY THAT ACCOUNT WAS A BIG-TIME CASH LOSER FOR THEM -- SO THEY DECIDED TO CLOSE IT. \n\nI ADVISED THEM THAT I WOULD BE TAKING IMMEDIATE ACTION THROUGH THE CFPB. ACCORDINGLY, THIS IS THE FORMAL COMPLAINT. \n\nTHIS ALSO DOESN'T ADDRESS ANY OF THE CREDIT BUREAU IMPLICATIONS WHICH COULD RESULT IN ADDITIONAL ACTION. \n\nTHEY WOULD PROVIDE ME WITH LITTLE ADDITIONAL INFORMATION. THANK YOU FOR YOUR HELP IN ADVANCE IN RESOLVING THESE MATTERS.","date_sent_to_company":"2025-04-28T16:00:07.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"53703","tags":null,"has_narrative":true,"complaint_id":"13207009","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMO BANK NATIONAL ASSOCIATION","date_received":"2025-04-28T15:28:48.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["EARLIER TODAY ( XX/XX/year> ) I CALLED XXXX 'S <em>CUSTOMER</em> SERVICE <em>DEPARTMENT</em> AND ASKED WHAT WAS GOING ON WITH MY CARD. \n\nI WAS TOLD BY THEM THAT XXXX  HAD MADE THE DECISION TO CLOSE MY ACCOUNT. I WAS PROVIDED NO NOTICE OF THIS VIA MAIL OR ANY INDICATION THIS WAS HAPPENING."]},"sort":[12.180719,"13207009"]},{"_index":"complaint-public-v1","_id":"19980560","_score":11.837399,"_source":{"product":"Prepaid card","complaint_what_happened":"On XX/XX/XXXX, I opened a dispute regarding a merchant transaction in the amount of {$130.00} on my Skylight XXXX prepaid card account. \n\nI was informed that I was not eligible for provisional credit due to the type of dispute. I was also told that a chargeback had been filed and that I would receive documentation within 10 days. I never received any written documentation, follow-up, or updates regarding the chargeback. \n\nIt is now XX/XX/XXXX, and the dispute remains unresolved. \n\nAdditionally, because the disputed amount has not been resolved, I have been charged {$11.00} in overdraft and decline fees, including multiple {$1.00} decline fees. These fees stem from the unresolved transaction and should not have been assessed while the dispute is pending. \n\nI have contacted customer service multiple times but have not received a clear resolution or written explanation of the status of my dispute. \n\nI am requesting : A full written explanation of the dispute status Copies of any chargeback documentation Resolution of the original {$130.00} dispute A refund of the {$11.00} in related overdraft and decline fees If this is for CFPB instead of XXXX, tell me Ill slightly adjust the tone to make it more regulatory-focused. \n\ncfpb Here is the CFPB-optimized version. This one is more regulatory and direct, which is what gets compliance departments moving : On XX/XX/XXXX, I filed a dispute regarding a merchant transaction in the amount of {$130.00} on my Skylight XXXX prepaid card. \n\nI was informed that I was not eligible for provisional credit due to the type of dispute. I was also told that a chargeback had been filed and that I would receive documentation within 10 days. I never received any written documentation or formal notice explaining the status or outcome of the chargeback. \n\nAs of XX/XX/XXXX, the dispute remains unresolved. \n\nBecause the disputed amount has not been credited or resolved, I have also been charged {$11.00} in overdraft and decline fees, including multiple {$1.00} decline fees. These fees are directly related to the pending disputed transaction. \n\nI believe the company has failed to provide timely written communication, documentation of the chargeback, and proper resolution of my dispute in accordance with prepaid account error resolution requirements. \n\nI am requesting : A written explanation of the investigation findings Copies of all chargeback documentation Resolution of the {$130.00} disputed transaction A refund of the {$11.00} in related overdraft and decline fees When you submit, choose : Product : Prepaid card Issue : Problem with a purchase shown on your statement Company : Skylight Financial or Netspend ( whichever appears ) This type of complaint usually gets routed directly to their compliance/legal department, not regular customer service. \n\nIf you want, I can also tell you what response to expect and how long it usually takes. \n\nalso in XXXX and XXXX i was told i would receive chargeback info within 10 business days never did Here is your updated CFPB complaint including that detail clearly and professionally : On XX/XX/XXXX, I filed a dispute regarding a merchant transaction in the amount of {$130.00} on my Skylight XXXX prepaid card. \n\nI was informed that I was not eligible for provisional credit due to the type of dispute. I was told that a chargeback had been filed and that I would receive documentation within 10 business days. \n\nIn XX/XX/XXXX and again in XX/XX/XXXX, I contacted customer service for updates. Each time, I was told that chargeback documentation would be sent to me within 10 business days. I never received any written documentation, formal notice, or explanation regarding the status or outcome of the chargeback. \n\nAs of XX/XX/XXXX, the dispute remains unresolved. \n\nBecause the disputed amount has not been credited or resolved, I have been charged {$11.00} in overdraft and decline fees, including multiple {$1.00} decline fees. These fees are directly related to the pending disputed transaction. \n\nI believe the company has failed to provide timely written communication, documentation of the chargeback investigation, and proper resolution of my dispute in accordance with prepaid account error resolution requirements. \n\nI am requesting : A written explanation of the investigation findings Copies of all chargeback documentation Resolution of the {$130.00} disputed transaction A refund of the {$11.00} in related overdraft and decline fees","date_sent_to_company":"2026-03-04T21:53:12.000Z","issue":"Problem with a purchase or transfer","sub_product":"Payroll card","zip_code":"705XX","tags":null,"has_narrative":true,"complaint_id":"19980560","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2026-03-04T21:42:58.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["I am requesting : A written explanation of the investigation findings Copies of all chargeback documentation Resolution of the {$130.00} disputed transaction A refund of the {$11.00} in related overdraft and decline fees When you submit, choose : Product : Prepaid card Issue : Problem with a purchase shown on your statement Company : Skylight Financial or Netspend ( whichever appears ) This type of complaint usually gets routed directly to their <em>compliance</em>/<em>legal</em> <em>department</em>, not <em>regular</em> <em>customer</em> service"]},"sort":[11.837399,"19980560"]},{"_index":"complaint-public-v1","_id":"7675473","_score":11.833864,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I applied for a XXXX XXXX XXXX with XXXX XXXX XXXX of XXXX onXX/XX/2023. I was told by a representative of the company ( sales agent/finance manager ) that they had only run my application with one of their lenders which was false information. They presented my application to approximately 6 of their lenders. I was also told after the application had been submitted that I was denied by the lender/lenders which was also false information. After 28 days I decided to call the lenders that they had claimed denied my application. It had been nearly 30 days and I had received only one adverse action letter which was from XXXX XXXX. I reached out to Santander Consumer USA ( one of the lenders ) which is directly connected with Chrysler Capital. I called for more information regarding my application ID and the adverse action letter that I had not received. I was given the number to the funding department and was told by one of the funding department 's customer service agents that I had in fact been approved after retrieving the application ID using my social security number. I was supplied with three different application ID numbers. There were two conditional approvals and one regular approvals. I will be happy to provide those IDs if required. The regular approval was estimated at {$23000.00}. The first conditional approval was estimated at around {$71000.00} and the second conditional approval was estimated at around {$55000.00}. According to the Federal Fair Lending Regulations and Statutes- Equal Credit Opportunity, neither the dealership nor the lender gave proper notice of a favorable amount approved so that I could exercise my right to accept or decline the offer extended by the lender. This led to my application expiring. I contacted the dealership to alert them about the lack of notification and the false information that I had been given on XXXX XXXX, 2023, and was referred to a finance manager named XXXX. He informed me that he'd get another application drawn up but I informed him that I wanted to accept the approval from Santander/Chrysler Capital being that the application was not yet at the 30-day expiration date. He told me that he could not get approval from the lender unless I agreed to supply money for the finance charge that the lender was requiring. I informed him that a down payment/finance is the sum of all charges, and the charge does not include charges of a type payable in a comparable cash transaction so it is not required by law. 15 USC subsection 1605 determination of finance charge. He confirmed that it was not in fact required by law but he proceeded to press the issue that nothing could be done without it. I proceeded to contact Santander/Chrysler Capital about removing that condition since it was not required by law, unfortunately, the department was closed and I assured the finance manager that we could proceed Monday morning when the funding department was open so that we could proceed with financing with that particular lender. He said he looked forward to it. Monday morning I called the lender and informed them that I intended to conditionally accept their offer if the unrequired condition was removed. They told me the credit department and dealership were the only ones with the authority to remove that condition but they refused to. I was informed by a salesperson named XXXX that the fourth application that I had submitted that morning with Santander/Chrysler Capital was automatically denied. Since they work directly with the lender 's credit department I so rightfully assumed that the information for denial was known and just wasn't being stated to me directly. I told them that I was aware that I was being avoided which is harmful behavior and expressed that I was contemplating litigation. I never confirmed that this was the course of action that would be taken, only that it was being considered and only then did I receive an immediate response which was odd. Whoever was messaging me at the time decided to cease communication and not respond despite me reaffirming that legal action was only an idea and not a course of action that was taken against them or the lender. I remained patient throughout the entire process despite being given false information, enduring discrimination, as well as non-compliance. As far as the other 4 lenders ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX only two of them ( XXXX, and XXXX XXXX XXXX ) confirmed that they had also approved me for a specific amount from the application submitted on XXXX XXXX, 2023. XXXX had approved me for an amount that was estimated at around {$23000.00}, while XXXX XXXX XXXX had approved me for an amount that was estimated at around {$30000.00}. XXXX XXXX chose not to disclose an approval amount or total denial and XXXX disclosed that I was completely denied. I'm not sure about the accuracy of each of those claims. \n\nIn conclusion, neither of the lenders that had approved me for funding sent out a notice of a favorable decision giving me knowledge of the approval amounts thus leaving me in the blind and unable to act on whether I'd like to accept or deny the offer given. Despite the dealership knowing the true nature of these approvals they chose to give me false information and persuaded me to participate in an act that was not required of me by law. This experience with the dealership and its agents/representatives as well as those responsible for carrying out their duties on behalf of these lenders was harmful and damaging to my personal being, to say the least.","date_sent_to_company":"2023-10-10T17:41:13.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"30310","tags":null,"has_narrative":true,"complaint_id":"7675473","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2023-10-10T15:00:37.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem with signing the paperwork"},"highlight":{"complaint_what_happened":["I was given the number to the funding <em>department</em> and was told by one of the funding <em>department</em> 's <em>customer</em> service agents that I had in fact been approved after retrieving the application ID using my social security number. I was supplied with three different application ID numbers. There were two conditional approvals and one <em>regular</em> approvals. I will be happy to provide those IDs if required. The <em>regular</em> approval was estimated at {$23000.00}."]},"sort":[11.833864,"7675473"]},{"_index":"complaint-public-v1","_id":"7675407","_score":11.833864,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I applied for a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXXXXXX on XXXXXXXX XXXX XXXX. I was told by a representative of the company ( sales agent/finance manager ) that they had only run my application with one of their lenders which was false information. They presented my application to approximately 6 of their lenders. I was also told after the application had been submitted that I was denied by the lender/lenders which was also false information. After 28 days I decided to call the lenders that they had claimed denied my application. It had been nearly 30 days and I had received only one adverse action letter, which was from XXXX XXXX. I reached out to XXXX XXXX XXXX ( one of the lenders ) which is directly connected with XXXX XXXX. I called for more information regarding my application ID and the adverse action letter that I had not received. I was given the number to the funding department and was told by one of the funding department 's customer service agents that I had in fact been approved after retrieving the application ID using my social security number. I was supplied with three different application ID numbers. There were two conditional approvals and one regular approvals. I will be happy to provide those IDs if required. The regular approval was estimated at {$23000.00}. The first conditional approval was estimated at around {$71000.00} and the second conditional approval was estimated at around {$55000.00}. According to the Federal Fair Lending Regulations and Statutes- Equal Credit Opportunity, neither the dealership nor the lender gave proper notice of a favorable amount approved so that I could exercise my right to accept or decline the offer extended by the lender. This led to my application expiring. I contacted the dealership to alert them about the lack of notification and the false information that I had been given on XXXX XXXX, 2023, and was referred to a finance manager named XXXX. He informed me that he'd get another application drawn up, but I informed him that I wanted to accept the approval from XXXX XXXX XXXX that the application was not yet at the 30-day expiration date. He told me that he could not get approval from the lender unless I agreed to supply money for the finance charge that the lender was requiring. I informed him that a down payment/finance is the sum of all charges, and the charge does not include charges of a type payable in a comparable cash transaction, so it is not required by law. 15 USC subsection 1605 determination of finance charge. He confirmed that it was not in fact required by law, but he proceeded to press the issue that nothing could be done without it. I proceeded to contact XXXX XXXX about removing that condition since it was not required by law, unfortunately, the department was closed, and I assured the finance manager that we could proceed Monday morning when the funding department was open so that we could proceed with financing with that lender. He said he looked forward to it. Monday morning, I called the lender and informed them that I intended to conditionally accept their offer if the unrequired condition was removed. They told me the credit department and dealership were the only ones with the authority to remove that condition, but they refused to. I was informed by a salesperson named XXXX that the fourth application that I had submitted that morning with XXXX XXXX was automatically denied. Since they work directly with the lender 's credit department, I so rightfully assumed that the information for denial was known and just wasn't being stated to me directly. I told them that I was aware that I was being avoided which is harmful behavior and expressed that I was contemplating litigation. I never confirmed that this was the course of action that would be taken, only that it was being considered and only then did I receive an immediate response which was odd. Whoever was messaging me at the time decided to cease communication and not respond despite me reaffirming that legal action was only an idea and not a course of action that was taken against them or the lender. I remained patient throughout the entire process despite being given false information, enduring discrimination, as well as non-compliance. As far as the other 4 lenders : Global Lending Services XXXX XXXX XXXX XXXX only two of them ( XXXX, and Global Lending Services ) confirmed that they had also approved me for a specific amount from the application submitted on XXXX XXXX, 2023. XXXX had approved me for an amount that was estimated at around {$23000.00}, while Global Lending Services had approved me for an amount that was estimated at around {$30000.00} ( if applicable ). XXXX XXXX chose not to disclose an approval amount or total denial and XXXX disclosed that I was completely denied. I'm not sure about the accuracy of each of those claims.\n\nIn conclusion, neither of the lenders that had approved me for funding sent out a notice of a favorable decision giving me knowledge of the approval amounts thus leaving me in the blind and unable to act on whether I'd like to accept or deny the offer given. Despite the dealership knowing the true nature of these approvals they chose to give me false information and persuaded me to participate in an act that was not required of me by law. This experience with the dealership and its agents/representatives as well as those responsible for carrying out their duties on behalf of these lenders was harmful and damaging to my personal being, to say the least.","date_sent_to_company":"2023-10-10T17:58:43.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"30310","tags":null,"has_narrative":true,"complaint_id":"7675407","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Global Lending Services LLC","date_received":"2023-10-10T17:44:50.000Z","state":"GA","company_public_response":null,"sub_issue":"Credit denial"},"highlight":{"complaint_what_happened":["I was given the number to the funding <em>department</em> and was told by one of the funding <em>department</em> 's <em>customer</em> service agents that I had in fact been approved after retrieving the application ID using my social security number. I was supplied with three different application ID numbers. There were two conditional approvals and one <em>regular</em> approvals. I will be happy to provide those IDs if required. The <em>regular</em> approval was estimated at {$23000.00}."]},"sort":[11.833864,"7675407"]},{"_index":"complaint-public-v1","_id":"7675227","_score":11.833826,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I applied for a XXXX XXXXXXXX XXXX with XXXX XXXX XXXX of XXXX on XXXXXX/XX/2023. I was told by a representative of the company ( sales agent/finance manager ) that they had only run my application with one of their lenders which was false information. They presented my application to approximately 6 of their lenders. I was also told after the application had been submitted that I was denied by the lender/lenders which was also false information. After 28 days I decided to call the lenders that they had claimed denied my application. It had been nearly 30 days and I had received only one adverse action letter, which was from XXXX XXXX. I reached out to Santander Consumer USA ( one of the lenders ) which is directly connected with Chrysler Capital. I called for more information regarding my application ID and the adverse action letter that I had not received. I was given the number to the funding department and was told by one of the funding department 's customer service agents that I had in fact been approved after retrieving the application ID using my social security number. I was supplied with three different application ID numbers. There were two conditional approvals and one regular approvals. I will be happy to provide those IDs if required. The regular approval was estimated at {$23000.00}. The first conditional approval was estimated at around {$71000.00} and the second conditional approval was estimated at around {$55000.00}. According to the Federal Fair Lending Regulations and Statutes- Equal Credit Opportunity, neither the dealership nor the lender gave proper notice of a favorable amount approved so that I could exercise my right to accept or decline the offer extended by the lender. This led to my application expiring. I contacted the dealership to alert them about the lack of notification and the false information that I had been given on XX/XX/2023, and was referred to a finance manager named XXXX. He informed me that he'd get another application drawn up, but I informed him that I wanted to accept the approval from Santander/Chrysler Capital being that the application was not yet at the 30-day expiration date. He told me that he could not get approval from the lender unless I agreed to supply money for the finance charge that the lender was requiring. I informed him that a down payment/finance is the sum of all charges, and the charge does not include charges of a type payable in a comparable cash transaction, so it is not required by law. 15 USC subsection 1605 determination of finance charge. He confirmed that it was not in fact required by law, but he proceeded to press the issue that nothing could be done without it. I proceeded to contact Santander/Chrysler Capital about removing that condition since it was not required by law, unfortunately, the department was closed, and I assured the finance manager that we could proceed Monday morning when the funding department was open so that we could proceed with financing with that lender. He said he looked forward to it. Monday morning, I called the lender and informed them that I intended to conditionally accept their offer if the unrequired condition was removed. They told me the credit department and dealership were the only ones with the authority to remove that condition, but they refused to. I was informed by a salesperson named XXXX that the fourth application that I had submitted that morning with Santander/Chrysler Capital was automatically denied. Since they work directly with the lender 's credit department, I so rightfully assumed that the information for denial was known and just wasn't being stated to me directly. I told them that I was aware that I was being avoided which is harmful behavior and expressed that I was contemplating litigation. I never confirmed that this was the course of action that would be taken, only that it was being considered and only then did I receive an immediate response which was odd. Whoever was messaging me at the time decided to cease communication and not respond despite me reaffirming that legal action was only an idea and not a course of action that was taken against them or the lender. I remained patient throughout the entire process despite being given false information, enduring discrimination, as well as non-compliance. As far as the other 4 lenders : XXXX XXXX XXXX XXXX XXXX XXXX XXXX only two of them ( XXXX, and XXXX XXXX XXXX ) confirmed that they had also approved me for a specific amount from the application submitted on XXXXXX/XX/2023. XXXX had approved me for an amount that was estimated at around {$23000.00}, while XXXX XXXX XXXX had approved me for an amount that was estimated at around {$30000.00}. XXXX XXXX chose not to disclose an approval amount or total denial and XXXX disclosed that I was completely denied. I'm not sure about the accuracy of each of those claims. \n\nIn conclusion, neither of the lenders that had approved me for funding sent out a notice of a favorable decision giving me knowledge of the approval amounts thus leaving me in the blind and unable to act on whether I'd like to accept or deny the offer given. Despite the dealership knowing the true nature of these approvals they chose to give me false information and persuaded me to participate in an act that was not required of me by law. This experience with the dealership and its agents/representatives as well as those responsible for carrying out their duties on behalf of these lenders was harmful and damaging to my personal being, to say the least.","date_sent_to_company":"2023-10-10T18:16:39.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"30310","tags":null,"has_narrative":true,"complaint_id":"7675227","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2023-10-10T18:11:25.000Z","state":"GA","company_public_response":null,"sub_issue":"Credit denial"},"highlight":{"complaint_what_happened":["I was given the number to the funding <em>department</em> and was told by one of the funding <em>department</em> 's <em>customer</em> service agents that I had in fact been approved after retrieving the application ID using my social security number. I was supplied with three different application ID numbers. There were two conditional approvals and one <em>regular</em> approvals. I will be happy to provide those IDs if required. The <em>regular</em> approval was estimated at {$23000.00}."]},"sort":[11.833826,"7675227"]},{"_index":"complaint-public-v1","_id":"7675301","_score":11.821585,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I applied for a XXXX XXXX XXXX with XXXX XXXX XXXX of XXXX on XXXX XXXX XXXX. I was told by a representative of the company ( sales agent/finance manager ) that they had only run my application with one of their lenders which was false information. They presented my application to approximately 6 of their lenders. I was also told after the application had been submitted that I was denied by the lender/lenders which was also false information. After 28 days I decided to call the lenders that they had claimed denied my application. It had been nearly 30 days and I had received only one adverse action letter, which was from XXXX XXXX. I reached out to XXXX XXXX XXXX ( one of the lenders ) which is directly connected with XXXX XXXX. I called for more information regarding my application ID and the adverse action letter that I had not received. I was given the number to the funding department and was told by one of the funding department 's customer service agents that I had in fact been approved after retrieving the application ID using my social security number. I was supplied with three different application ID numbers. There were two conditional approvals and one regular approvals. I will be happy to provide those IDs if required. The regular approval was estimated at {$23000.00}. The first conditional approval was estimated at around {$71000.00} and the second conditional approval was estimated at around {$55000.00}. According to the Federal Fair Lending Regulations and Statutes- Equal Credit Opportunity, neither the dealership nor the lender gave proper notice of a favorable amount approved so that I could exercise my right to accept or decline the offer extended by the lender. This led to my application expiring. I contacted the dealership to alert them about the lack of notification and the false information that I had been given on XXXX XXXX XXXX, and was referred to a finance manager named XXXX. He informed me that he'd get another application drawn up, but I informed him that I wanted to accept the approval from XXXX XXXX being that the application was not yet at the 30-day expiration date. He told me that he could not get approval from the lender unless I agreed to supply money for the finance charge that the lender was requiring. I informed him that a down payment/finance is the sum of all charges, and the charge does not include charges of a type payable in a comparable cash transaction, so it is not required by law. 15 USC subsection 1605 determination of finance charge. He confirmed that it was not in fact required by law, but he proceeded to press the issue that nothing could be done without it. I proceeded to contact XXXX XXXX about removing that condition since it was not required by law, unfortunately, the department was closed, and I assured the finance manager that we could proceed Monday morning when the funding department was open so that we could proceed with financing with that lender. He said he looked forward to it. Monday morning, I called the lender and informed them that I intended to conditionally accept their offer if the unrequired condition was removed. They told me the credit department and dealership were the only ones with the authority to remove that condition, but they refused to. I was informed by a salesperson named XXXX that the fourth application that I had submitted that morning with XXXX XXXX was automatically denied. Since they work directly with the lender 's credit department, I so rightfully assumed that the information for denial was known and just wasn't being stated to me directly. I told them that I was aware that I was being avoided which is harmful behavior and expressed that I was contemplating litigation. I never confirmed that this was the course of action that would be taken, only that it was being considered and only then did I receive an immediate response which was odd. Whoever was messaging me at the time decided to cease communication and not respond despite me reaffirming that legal action was only an idea and not a course of action that was taken against them or the lender. I remained patient throughout the entire process despite being given false information, enduring discrimination, as well as non-compliance. As far as the other 4 lenders : XXXX XXXX XXXX Exeter XXXX XXXX XXXX only two of them ( Exeter, and XXXX XXXX XXXX ) confirmed that they had also approved me for a specific amount from the application submitted on XXXX XXXX XXXX. Exeter had approved me for an amount that was estimated at around {$23000.00}, while XXXX XXXX XXXX had approved me for an amount that was estimated at around {$30000.00}. XXXX XXXX chose not to disclose an approval amount or total denial and XXXX disclosed that I was completely denied. I'm not sure about the accuracy of each of those claims. \n\nIn conclusion, neither of the lenders that had approved me for funding sent out a notice of a favorable decision giving me knowledge of the approval amounts thus leaving me in the blind and unable to act on whether I'd like to accept or deny the offer given. Despite the dealership knowing the true nature of these approvals they chose to give me false information and persuaded me to participate in an act that was not required of me by law. This experience with the dealership and its agents/representatives as well as those responsible for carrying out their duties on behalf of these lenders was harmful and damaging to my personal being, to say the least.","date_sent_to_company":"2023-10-10T18:10:15.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"30310","tags":null,"has_narrative":true,"complaint_id":"7675301","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2023-10-10T18:03:07.000Z","state":"GA","company_public_response":null,"sub_issue":"Credit denial"},"highlight":{"complaint_what_happened":["I was given the number to the funding <em>department</em> and was told by one of the funding <em>department</em> 's <em>customer</em> service agents that I had in fact been approved after retrieving the application ID using my social security number. I was supplied with three different application ID numbers. There were two conditional approvals and one <em>regular</em> approvals. I will be happy to provide those IDs if required. The <em>regular</em> approval was estimated at {$23000.00}."]},"sort":[11.821585,"7675301"]},{"_index":"complaint-public-v1","_id":"2651835","_score":11.6743965,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XXXX/XXXX/XXXX I received an email from PayPal Inc.that stated the following : \" A direct debit you requested on or after XXXX XXXX from your XXXX XXXX account was rejected by the bank. A new compliance regulation requires that a physical address be available on all accounts. \n\nYour XXXX USD transaction with the merchant completed, but PayPal never collected the funds. In order to correct this oversight, PayPal will be debiting your PayPal account for this amount in 5 business days. \n\nIf your PayPal account balance isnt sufficient to cover the amount of the transaction when we debit your account, your PayPal balance will become negative. Please ensure sufficient funds are in your account to prevent a negative balance. \n\nTo fund your balance, you can add funds through a transfer from a bank account or receive a payment into your PayPal account. \n\nWe apologize for any inconvenience this issue may have caused and appreciate your understanding. If you have any questions, contact us by using the Help & Contact link on any PayPal page. \n\nThank you for being a PayPal customer. '' I attempted to transfer the sum of {$7.00} from my bank account to my PayPal account, and was blocked by PayPal from doing so. I received a followup email stating the following : \" We need your help resolving an issue with your PayPal account. \n\nWhat 's the problem? \n\nBefore we can offer you certain products and services, federal regulations require that we collect specific information to verify your identity. This information includes your name, address, date of birth, and National Tax ID or Social Security Number. We have n't been able to verify your identity using the information you provided, so we need some additional documentation from you. \n\nUntil this issue is resolved, you 'll be able to log in to your PayPal account but you might not be able to add money to it or use some of your account features. \n\nHow can you help? \n\nIt 's usually pretty easy to take care of things like this. Most of the time, we just need a little more information about your account or latest transactions. \n\nPlease log in to your account and go to the XXXX XXXX to find out what you need to do. \n\nCase ID Number : XXXX Sincerely, PayPal '' I called PayPal to attempt to resolve the problem. I was routed to the \" Limitations Team '' where I was told that I was required to provide what was essentially my complete and confidential identity information to resolve the problem, and that there was no other way to do so. This information included my name, date of birth, postal address, physical address, and full social security number. I told the representative that I would do so, but only was doing so under extreme duress. I asked why I was required to do so, and was told \" Federal Regulations require us to collect this information. Otherwise your bank will not allow you to transfer funds. '' After I provided the information, I received the following email : \" Our review is complete and we have returned your account to regular standing. \n\nWe appreciate your patience and thank you for your help in making PayPal the safest and most trusted online payment solution. \n\nThanks, XXXX PayPal \" I went to my bank immediately, explained the situation, and was told to call the bank 's fraud department. I returned home and contacted the fraud department. I asked if PayPal was required by Federal regulations to collect the entire confidential identity information of one of their customers. I was told absolutely not, as they are not a bank, and are only a third-party money processor. I was told that such practices are fraudulent, and compromise your identity. I was advised to close all accounts associated with PayPal, and post a fraud alert with credit reporting agencies. \n\nI contacted PayPal again, and requested to speak with a supervisor of the PayPal Limitations Team. I was put in touch with a representative, and explained the situation. She said that she would contact the bank 's fraud department at straighten the situation up for me. She did contact the bank 's fraud department. At that time I had found a ruling by the FDIC that declared that because PayPal did n't meet the federal definition of an entity accepting deposits as a bank, hold any physical money or have a bank charter, it was not a bank. As a result, most states license PayPal as a \" money service. \n\nThe supervisor from the Limitations Team threatened that if I did n't believe that they were under Federal Banking Regulations, that she would turn this case over to PayPal 's legal department. At that point I was impelled against my wishes to back down from my complaint. \n\nAfterward, I spoke further with the bank 's Fraud Department worker, and explained that I was putting a total block on all PayPal transactions with my account after the {$7.00} payment had cleared, and that I was closing my PayPal account after 13 years of activity because of their misrepresentations. \n\nPayPal has caused harm to me financially, through not being able to easily conduct online commerce in the manner I had been using for 13 years. PayPal has also created the potential for identity threat by require me to provide them my full identity information, which now resides in their databases. Furthermore, PayPal had threatened me with potential legal action for disagreement with their policy of identity collection. I am requesting damages from PayPal for the major disruption to my life that this has caused. I am certain that it has done the same of more to countless other customers of PayPal.","date_sent_to_company":"2017-10-13T22:46:33.000Z","issue":"Problem adding money","sub_product":"Mobile or digital wallet","zip_code":"894XX","tags":null,"has_narrative":true,"complaint_id":"2651835","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2017-08-27T21:34:39.000Z","state":"NV","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Furthermore, PayPal had threatened me with potential <em>legal</em> action for disagreement with their policy of identity collection. I am requesting damages from PayPal for the major disruption to my life that this has caused. I am certain that it has done the same of more to countless other <em>customers</em> of PayPal."]},"sort":[11.6743965,"2651835"]},{"_index":"complaint-public-v1","_id":"1672499","_score":11.146448,"_source":{"product":"Credit card","complaint_what_happened":"I use my bank 's automated bill pay service to pay my monthly minimum for my Amazon XXXX Credit Card issued by Synchrony Bank. My due date is the XXXX and my minimum is {$50.00} to which I add {$5.00} for a total payment of {$55.00}. Synchrony receives this payment on the XXXX of each month. In the month of XXXX ( likely due to the holiday weekend ), my scheduled payment failed to process on time. My bank notified me of the failure so I made a one-time payment on Monday, XXXX XXXX through Synchrony 's website for {$55.00} dollars. The payment was 1 day late. When the billing cycle ended on XXXX XXXX, Synchrony assessed a fee of {$25.00} for the lateness. This fee seems to have been added to my minimum monthly payment for a new required payment of {$76.00}. I did not notice the increase. \n\nOn XXXX XXXX, my bank processed my regularly scheduled {$55.00} dollar payment. Because it did not meet the new minimum, I was assessed another fee of {$35.00} for lateness. This cycle repeated itself in XXXX, XXXX and XXXX for a total of {$160.00} in fees and a minimum monthly payment for XXXX totaling {$200.00}. Synchrony bank made no reasonable effort to contact me about the delinquency on my account until XXXX when their collections department reached out by phone. I was receiving a regular monthly statement via email but because the payments are automated and were going out as scheduled and because the emails did not mention any problem with my account that would warrant further investigation, I was not aware of the issue. By the time Synchrony called, they had already assessed four months of late payment fees and were seeking a {$200.00} payment to bring my account current. \n\nWhile this lack of communication is atrocious customer service on Synchrony 's part, my complaint centers around what I believe to be an instance of illegally pyramiding fees. As I understand our regulatory laws, a credit card company can not apply your payment to a fee first and a minimum monthly payment second so that the amount can not satisfy the minimum monthly requirement and cause the customer to incur yet another fee. Since I continued making on-time payments that satisfied my minimum payment less fees, it seems to me that I should not have incurred additional late fees after XXXX. During this time, no new purchases were charged to the account that would have otherwise affected my balance and minimum monthly payment. The only change that can account for increases to my minimum monthly payments are the fees Synchrony added to my account. \n\nPlease apply your legal expertise in this case. If Synchrony is not in compliance, I seek a refund of all fees incurred after and as a result of the XXXX late fee and a return of my minimum monthly payment to {$50.00}. I have reached out to Synchrony bank and they agreed to remove XXXX the fees but refused to lower my monthly payment for XXXX and could not guarantee that my minimum monthly payment would return to previous levels in XXXX.","date_sent_to_company":"2015-11-25T22:20:27.000Z","issue":"Late fee","sub_product":null,"zip_code":"07109","tags":null,"has_narrative":true,"complaint_id":"1672499","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2015-11-25T22:20:26.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Synchrony bank made no reasonable effort to contact me about the delinquency on my account until XXXX when their collections <em>department</em> reached out by phone. I was receiving a <em>regular</em> monthly statement via email but because the payments are automated and were going out as scheduled and because the emails did not mention any problem with my account that would warrant further investigation, I was not aware of the issue."]},"sort":[11.146448,"1672499"]},{"_index":"complaint-public-v1","_id":"2632595","_score":9.575701,"_source":{"product":"Mortgage","complaint_what_happened":"I have several complaints about the manner in which my mortgage has been serviced by Midland Mortgage over the past few years, specifically regarding actions taken during and just after completion of my Chapter XXXX bankruptcy, which ended in XX/XX/XXXX, and a subsequent payment plan arrangement that I completed in XX/XX/XXXX. The separate points of complaint are outlined below. The only remedies I am requesting are : - Refund of a {$920.00} fee ( discussed in Item # 3 ) or a suitable explanation of what the fee was for and why I should have to pay it. I believe it to be a legal fee that was either already paid or one that was improperly or mistakenly applied to the mortgage account. - Correction of payment history reported to credit bureaus based on the fact that one of my monthly payments was applied to fees instead of being treated as a payment ( discussed in Items # 4 and # 5 ). The other points of complaint are included to make Midland Mortgage aware of the issues and to go on record with  regulators. If there are others with similar complaints or data suggesting improper policies or patterns of behavior, perhaps regulators will be motivated to investigate further and hold Midland Mortgage accountable for their actions. Finally, I have documented two other points of concern to make Midland Mortgage aware of serious issues affecting their customers. 1. Questionable and potentially improper procedures and disposition of Motion for Relief in XXXX. In XXXX we fell behind on our mortgage payments during our Chapter XXXX. We went through the procedures to allow direct communication between ourselves and mitigation specialists at the mortgage company. We were pre-approved for a loan modification which had to be approved by the bankruptcy court. However, while this process was underway the mortgage companys legal representatives were pursuing a Motion for Relief of Stay through the bankruptcy court. We understand that this motion in itself should not directly effect the mortgage and that it would not be out of the ordinary for the mortgage company to continue trying to be relieved of the stay of bankruptcy for future proceedings should the plan not be approved. If the outcome of these proceedings were limited to a decision on the stay there would be no harm in them. However, it seems to be common practice for these motions to result in stipulations concerning payments, schedules and consequences directly relating to the loans themselves. That being the case, it would seem to be more in keeping with anti-double-tracking requirements to suspend Motion for Relief proceedings while mortgagors are known to be pursuing mortgage assistance measures rather than put in place stipulations related to the loan in order to satisfy the court and set aside the Motion for Relief before or while mortgagors are establishing a mitigation plan through other channels. In my case, the last paragraph of the notice of the outcome of the hearing ( Attachment # 1 ) states that our future payments ( for unspecified duration ) would be under STRICT COMPLIANCE ORDER, such that if we were XXXX dollar short or one day late we would have 10 days to cure the default or an Order Lifting the Automatic Stay will be issued by the Judge without any further hearing or notice, and your property will be foreclosed upon. This seems to suggest that the outcome of the hearing became broader than simply covering whether or not the stay would remain in place and expanded into the handling of the mortgage itself. It is unclear how this would have been enforced, but given that the loan modification plan has its own schedule, requirements and potential consequences ( not to mention the Dodd-Frank guidelines ), this language seems to be trying to define a separate, potentially shorter, path to foreclosure in the event that payments at some future date were late or to place additional payment schedule requirements on the loan. Obviously once the payments were caught up, making one payment a day late or a dollar short would not meet the Dodd-Frank requirements of being 120-days delinquent before proceeding with foreclosure. In this case, local hired attorneys were trying to ( perhaps over-zealously ) represent the mortgage companys interests separately and without any communication with the companys loan mitigation personnel. This opens up a concern that these Motion for Relief actions ( and perhaps other bankruptcy related filings ) are being used as a defacto form of double-tracking for mortgagors that happen to be in bankruptcy and that the dispositions go beyond just affecting the stay of bankruptcy to affecting the terms of the loan and/or foreclosure conditions. It may be worth investigating the practices of Midland Mortgage and their hired legal representatives to determine whether bankruptcy filings are being used in a manner that violates the letter, or at least the spirit, of the CFPB anti-double-tracking rules for mortgage servicing. 2. Motion for Relief filed in final weeks of bankruptcy, resulting in unnecessary fees, tasks and hearings. Over the course of our six-year bankruptcy Midland Mortgage actually filed three separate Motions for Relief of Stay. The first two were filed when three payments were 30-days past due and a fourth had come due. The final one was filed on XX/XX/XXXX, stating that three payments had been missed. ( In fact, the third payment had been already been sent and was credited on XXXX XXXX. ) The bankruptcy had actually originally been scheduled to end in XXXX, but the trustee was unhappy with the amount of overtime pay I had received for part of the bankruptcy term so it was extended around one year to be a 100 % plan. The hearing for the Relief of Stay was held on XXXX XXXX, the same day as the very last payment of six years worth of payments was credited by the trustee. Notice of Final Cure of Payment was sent on XXXX XXXX, and the bankruptcy was officially discharged on XX/XX/XXXX. When I went in to speak to my attorney about the motion I asked why the mortgage company would file for relief of a stay that was going to end with the discharge in a matter of weeks anyway. I was told that this very common, but the attorney was also surprised that the motion had been filed with the just the three payments due. It seems reasonable to conclude that the motion was filed not in spite of the impending end of the bankruptcy, but rather because of it. I am not sure why a mortgage company would accelerate this process at the end of a bankruptcy, but there must be a reason it is common. Filing the motion came with a large legal fee of {$1000.00}. ( Maybe this is a make-work exercise for underfunded legal departments? ) There was also an apparent attempt to add additional fees to the bankruptcy ( item # 3 below ). This also resulted in additional time away from work to make phone calls and attorney visits, not to mention extra work for the attorneys, staff and additional tasks for the courts. In the end, my attorneys negotiated a six-month payment agreement to pay the missed payments and all the fees, even though the agreement would stand only for the six weeks or so until the end of the bankruptcy, at which point I would be free to work out arrangements directly with Midland Mortgage on the amount remaining. In my case, the trustee payments were a large percentage of my income and no longer having to make them opened up a considerable amount of available extra money I could use to catch up payments. I imagine this is not always the case with many mortgagors coming out of bankruptcy, and these last-minute actions, with the additional fees and unexpected urgency in catching up payments, might be enough to precipitate foreclosures. Or ( as it turned out in my case ) to force borrowers into mitigation programs ( for which there may be government-funded incentives? ). This practice may already be well known to regulators, but if it is not I recommend looking closely at data related to mortgagors coming out of Chapter XXXX to see if there is a pattern of questionable last-minute actions taken against them that may be intended to make them more vulnerable to actions that benefit the lenders. A Chapter XXXX plan is a long, difficult struggle. Its completion should mark a time for moving forward and rebuilding, not a time for creditors to precipitate or exploit weaknesses. 3. Attempt to charge unexplained, possibly duplicate fees to bankruptcy in last days that were carried over to loan when apparently rejected by bankruptcy trustee. As I was nearing the end of my bankruptcy I was carefully watching the posting of payments to my account on the XXXX XXXX XXXX web site. On XX/XX/XXXX I signed in to find that an additional fee of {$920.00} had been added to the total amount due ( Attachment # 3, Claim No. XXXX on line XXXX ). This was not present when I had last signed on to the XXXX site on XXXX XXXX ( Attachment # 2 ). Of course this was frustrating because it would add at least one more bi-monthly payment to the term of the bankruptcy. I called my attorneys to see of they could find out more about the fee. I knew it to be the exact amount of the legal fee charged for the Motion for Relief filed in XXXX. But I knew I had paid this fee in two installments per the XXXX agreement that came out of that hearing. ( Attachment # 5 ). The fee for the XXXX motion was {$100.00} more and was being integrated into the payment plan agreement from that hearing, so I knew that this one should not be added to the bankruptcy. On XXXX XXXX the fee dropped off of the XXXX account ledger ( Attachment # 4 ). I  asked my attorneys why this would have occurred and I was told that maybe the mortgage company had tried to add the fee but that the trustee had rejected it due to the total amount of the bankruptcy being nearly paid off. I wrote it off as a potential mistake that had been corrected. But then that exact amount turned up as a fee charged to the mortgage itself and was included in pre-foreclosure notices received from Midland Mortgage as well as in the paperwork for the payment plan I entered into after the bankruptcy was discharged. I questioned this fee during the application process for the mitigation plan because I knew I had paid or made other arrangements for all of the legal fees associated with all of the Motion for Relief proceedings. I was never offered any explanation for what the fee was or why it had been added. I still have seen no documentation of this fee and believe it to be a mistake. I am requesting that Midland Mortgage credit this amount back to my account or provide sufficient documentation to justify it. 4. Improper application of payment towards legal fees, leaving loan an additional payment behind, forcing us to seek relief again to avoid foreclosure. According to our repayment agreement defined in the XX/XX/XXXX Motion for Relief of Stay hearing and documented on XX/XX/XXXX ( Attachment # 1 ) we were to pay one of the payments of {$1000.00} immediately and begin making regular timely payments of {$1000.00} beginning XXXX XXXX. On XXXX XXXX we sent certified funds by overnight mail of {$1000.00}. This was credited to our mortgage account as our XX/XX/XXXX payment on XX/XX/XXXX as shown in the transaction log on the web site. ( Attachment # 6 ) We mailed in the payment due for XXXX XXXX. On XXXX XXXX the payment was credited to the log, but was not applied as a payment, despite the fact that it was sent with a payment stub and was for the exact payment amount of {$1000.00}, which included principal, interest and escrow for the XX/XX/XXXX periodic payment. It should have been credited as the XX/XX/XXXX payment. Instead it was allocated to Unapplied funds. On XXXX XXXX a fee of {$1000.00} was applied to the account ( the legal fees for the XX/XX/XXXXRelief of Stay filing, separate from the {$920.00} discussed in Item # 3 above ). On XXXX XXXX the {$1000.00} was removed from unapplied funds and used to pay a {$100.00} fee, and a {$920.00} fee ( totaling to the {$1000.00} amount of legal fees for the Motion for Relief ). I called several times to point out the issue and was told by customer service staff that there was no error. Applying this payment towards fees instead of treating it as my XXXX monthly payment seems to directly contradict the guidelines for mortgage servicing ( 12 CFR 1026.36 ( c ) ( 1 ) ( i ) ) as well as the terms of the repayment agreement. Further, in mid-XXXX I made the first of the mid-month additional half-payments scheduled in my payment plan from the Motion for Relief hearing in XXXX, and at the end of XXXX I made a full payment due for XXXX XXXX according to the plan. However, there are apparently administrative delays in transferring accounts internally at Midland Mortgage ( from bankruptcy to regular accounts ) and the XXXX XXXX payment was not credited until XXXX XXXX. The half-payment remained in unapplied funds ( appropriately ). Meanwhile, on XXXX XXXX Midland sent a letter ( Attachment # 6 ) indicating that I was more than four full payments behind ( despite the fact that they had misapplied one payment and already had another in their hands ). I was also contacted by staff at Midland Mortgage involved in handling foreclosures to discuss the situation. By XXXX, I had made what should have been counted as my XXXX payment ( which was applied as fees XXXX. I had made a full payment ( credited late ) that should have been counted as my XXXX payment. I had made one half of my XXXX payment that was waiting in unapplied funds. And I had the second half of my XXXX payment ready to send. If this additional half payment were sent and posted it would have meant that I was actually under 30 days late on regular mortgage payments. But by now my bankruptcy was ended, my payment plan was invalid, the stay was no longer in place and the mortgage company was threatening foreclosure based on the assumption that I was four payments behind, plus extensive fees ( including the questionable {$920.00} from Item 3 above ). Not wanting to risk proceeding to foreclosure I contacted the delinquency assistance department at Midland and began the process of setting up a payment plan to catch everything up. They advised me not to send anything else while the account was in the foreclosure status and we were working on an assistance plan, so I held onto the second half-payment and waited to get the payment plan established. On XXXX XXXX I was sent a conflicting Your Account Status letter that more accurately reflected the amounts paid, but still showed three payments behind. I understand that, with the exception of the contested {$920.00}, the same number of dollars needed to be paid to fully catch up the account ( once all paid amounts had been properly credited ), however the XXXX XXXX payment was applied. But there is a big difference between being a month or so behind and informally paying extra amounts when possible to catch up fees and being compelled to enter into a formal mortgage assistance plan to avoid foreclosure. Nothing I experienced throughout this process leads me to believe that this was a simple error related to just my own account. Instead I believe this issue to be a product of policy. I think it is likely that my experience is commonplace and that Midland Mortgage has adopted these practices not just to prioritize collection of fees, but also compel customers to catch up payments and enter into formal plans and assistance programs, some of which may offer publicly funded incentives. It may also help accelerate foreclosures for problem accounts.\nOf all of my complaints this one seems like the clearest violation of mortgage servicing guidelines. I would recommend that regulators look into whether Midland Mortgage routinely took and continues to take this harmful action against other mortgagors. 5. Reporting of loan as 90+ days past due ( due to item 4 above ) to credit bureau, damaging credit history. Once our payment plan was complete Midland Mortgage reported the payment history to the credit bureaus as they had it in their own records, indicating that we were 90+ days late for several months during the course of the payment plan when this should not have been the case. This is especially damaging to the credit records of people emerging from lengthy Chapter XXXX cases because it represents a large part of the very limited credit history left when most past accounts have dropped off. We understood and accepted that credit reporting would continue throughout the payment plan and that it would reflect the status of our payments. However, due to the misapplication of a payment towards fees Midland Mortgages records were in error and this erroneous information is what is reflected in our credit reports. We were at least 30 days behind at the time of the bankruptcy discharge, and we might have been counted as 60 days late, depending on reporting dates and the lag in crediting payments. However, applying one of our payments to fees instead of counting it as a payment accounts for a full 30 days worth of late reporting. In addition, had everything been handled promptly and properly there should not have been a strong reason to enter into a mitigation plan at all, which came with additional payment schedule delays and extended by at least one the number of months for which payments were reported as late. I am requesting that Midland Mortgage correct their credit bureau reporting to accurately reflect our account status, counting the misapplied payment as a regular monthly payment and allowing for the delays driven by its own actions. At minimum this should mean reducing the time in arrears by 30 days for each month reported from XXXX through XXXX of XXXX. In addition to the formal complaints above, the following informal observations are included to highlight serious customer service failings that could and probably do contribute to very negative outcomes for Midland Mortgage customers. A. Confusing and contradictory mailings sent throughout payment plan term, as well as low level of support from representatives by phone. After making a payment plan arrangement to catch up my mortgage payments and fees I continued to receive multiple regular pieces of mail from Midland Mortgage concerning my account. The information in these letters seemed contradictory and some of them did not seem to reflect the terms of the plan. I assume that Midland Mortgages automated systems and procedures trigger these mailing under particular conditions and that some of the processes are not aware that mitigation arrangements are in place. - Can we help? mailings ( Attachment # 8 ) At the begging of each month I received a letter bearing the title Can we help?, which provided a list of the months for which payments had not been received, a total due on the loan, and the message, This is a very serious matter that requires your attention. The package included forms and documents needed to apply for a mortgage assistance program. Receiving these mailings can be alarming when you are already in such a program. It makes you think something has gone wrong and your existing assistance program is no longer in effect. - Mortgage Statement ( Attachment # 9 ) In the middle of each month a regular mortgage statement came in the mail. This document showed an Amount Due block at the top with the total amount ( all missing payments and outstanding fees added together ) and a payment due date if the first of the next month. Just looking at the top of this document it appears that you are expected to pay this full amount and not the amount scheduled in your payment plan. You have to look at the payment coupon attached to the bottom of the document to see the actual payment amount and scheduled date from your payment plan. This is very confusing. There are different amounts and dates showing on the very same piece of paper.\n- Late Charge Letters ( Attachment # 10 ) Also around the middle of the month I received a letter saying that my payment for a particular month had not been received on time and that I should add the amount of the late charge to the payment. These letters showed the amount of the regular payment, late charge and regular payment date ( not the agreed upon payment amount and date from the payment plan ). - Your Account Status letters ( Attachment # 11 ) Around the third week of each month I received a letter titled Your Account Status. This letter referenced the payment plan and the presented data seemed to reflect the actual status of the payment plan more accurately than any of the other documents. I am sure that all of these documents make perfect sense to Midland Mortgage staff ( or maybe not ), but to customers, especially taken all together, they are very confusing. Customers must think, Is my plan still in place? Am I supposed to pay this amount by this date? If I dont, will my home be foreclosed? It doesnt seem like it should be that hard for Midland Mortgage to send out a single statement each month reflecting the terms and status of the customers mitigation plan and including the expected payment and due date according to the plan. Other statements and offers of help should be suspended for the duration of the plan. This makes me very concerned for mortgagors trying to go through mitigation plans who might be elderly, less-educated or otherwise less able to keep up with plan schedules and requirements. These multiple and conflicting notices must create a great deal of undue stress and confusion. It is not hard to imagine that this could lead to people losing their homes over missed deadlines, improper payments or simply by throwing up their hands and giving up. I know a lady in my neighborhood that was facing foreclosure ( I do not know with what mortgage company ) and just started ignoring everything about her situation until officers came to her house and put all of her stuff out on the lawn. She was a foreign national and non-native English speaker. Was she overwhelmed and confused by multiple, conflicting statements like these? B. Slow reporting of positive status to credit bureaus, resulting in unnecessarily long waits with apparent but not actual negative credit history. I completed my payment plan in XX/XX/XXXX. However, my credit reports reflected that I was still in a payment plan until XX/XX/XXXX when current status of the account was finally changed to on time. Midland Mortgage has reported the account as on time regularly every month since then. I understand that there may be somewhat of a delay in transitioning accounts from payment plans to current status, but it should not take three months after completion of a payment plan for Midland Mortgage to begin reporting an account as current to credit bureaus. Mortgage account status is one of the most significant factors affecting peoples credit scores, and Midland Mortgage surely knows this. If this delay in updating the reported status of accounts is purely internal inefficiencies, then Midland Mortgage should address this for the benefit of their customers. However, it may also be worth also investigating whether this delay is a deliberate policy. There must be advantages to temporarily suppressing customer credit scores in certain situations, such as reducing loan risk by preventing customers from adding other credit obligations and perhaps preventing or delaying mortgage refinancing with other lenders. Perhaps Midland Mortgage intentionally waits to the end of the period within which they are obligated to report a change to positive credit status, which may be perfectly legal but is unethical and damaging to borrowers.","date_sent_to_company":"2017-08-12T18:23:10.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"30144","tags":null,"has_narrative":true,"complaint_id":"2632595","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"MIDFIRST BANK","date_received":"2017-08-12T18:07:03.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Filing the motion came with a large <em>legal</em> fee of {$1000.00}. ( Maybe this is a make-work exercise for underfunded <em>legal</em> <em>departments</em>? ) There was also an apparent attempt to add additional fees to the bankruptcy ( item # 3 below ). This also resulted in additional time away from work to make phone calls and attorney visits, not to mention extra work for the attorneys, staff and additional tasks for the courts."]},"sort":[9.575701,"2632595"]},{"_index":"complaint-public-v1","_id":"16334664","_score":9.1733265,"_source":{"product":"Checking or savings account","complaint_what_happened":"Synchrony Bank failed to respond appropriately to my original complaint -- especially my well-supported documentation of claims made by bank personnel both before and after my recent international travel, which have been totally contradicted by Respondent -- as well as my complaints about being unable to reach their so-called \" international banking department '', the Respondent 's contradiction of the terms set forth in their Consumer Deposit Account Agreement and Disclosures, and serious complaints about their so-called \" chat customer service '' function which is a total joke, as third-party chat agents have no access to account information. despite the fact that these issues have been well known to Respondent since XX/XX/XXXX. \n\nTheir recent \" response '' contains the following misstatements, equivocations, fabrications, and outright lies : 1 ) Synchrony Bank was informed by me on XX/XX/XXXX at XXXX pm EST that my XXXX phone number was no longer valid and should never be used to send security codes or other account confirmation information. During that same call, I provided a valid phone number for Synchrony Bank to reach me in the XXXX, but they never called me back. Despite this, respondent claims that a \" colleague '' attempted to contact me on that invalid phone number on XX/XX/XXXX, more than XXXX weeks after I informed them telephonically that the XXXX phone number was no longer valid. This constitutes a gross violation of account security, as the phone number may well have been reassigned to another customer by that date. Synchrony Bank is fully responsible for any breach of account security due to their grossly irresponsibility and negligence. \n\nXXXX ) All phone charges from the XXXX have been documented in the complaint, and will not be documented by \" fax '', carrier pigeon, snail mail, nor any other XXXX or XXXX technology. Respondent will provide a secure email address for all future communication. International phone calls to the XXXX from XXXX XXXX are based on a flat rate of XXXXXXXX XXXX, or roughly XXXX XXXX. There is no documentation from XXXX  XXXX  of charges for individual international calls. I do have phone logs of all calls made or attempted to the number I was given by your chat center, XXXX, and the general customer service number I was obliged to use after that number ceased working, XXXX. YOU WILL COMPENSATE ME FOR EVERY MINUTE USELESSLY SPENT ATTEMPTING TO GET ACCOUNT INFORMATION FROM YOU AT THESE XXXX NUMBERS, AND YOU WILL SUPPLY A SECURE EMAIL ADDRESS FOR THE DELIVERY OF COPIES OF MY CALL LOGS. BASED ON THE FEE OF $ XXXX, SYNCHRONY NOW OWES ME APPROXIMATELY {$25.00}. \n\nXXXX ) Respondent claims to be \" appreciative '' of my informing them about the misinformation I was given on XX/XX/XXXX and afterwards regarding Synchrony 's fee-free international withdrawals and reimbursements for all ATM fees, yet neither is mentioned specifically in the replay, and respondent deliberately avoids confirming or denying that such claims were made to me both before my departure from the XXXX and XXXX XX/XX/XXXX. Such claims were indeed made, and Synchrony has a legal obligation to abide by them.\n\n4 ) Respondent 's claim about the XXXX XXXX is laughable on its face, as I do indeed have a permanent XXXX address which I have been unable to change on Synchrony Bank 's website because I am unable to log into it. There is no obligation for a XXXX phone number from any of the other XXXX banks I do business with, and confirmation by email is all they require. In XXXX case, a bank activated my account for VIP ACCESS confirmation so that neither telephonic nor email confirmation would be required. Synchrony has made no effort whatsoever to provide login confirmation by email, nor by a third-party confirmation app such as VIP ACCESS because they simply don't care whether they have my account or not, and are outrageously incompetent in providing customers with alternatives to telephonic confirmation. For this egregious oversight alone, they should not be allowed to continue to conduct banking activity in the United States.\n\n5 ) Synchrony Bank indicates that they can not use an international mailing address to send account information to. I have never requested that they do so. I provided my permanent XXXX mailing address to the \" manager '' with whom I spoke on XX/XX/XXXX, but she obviously never reported it to the bank. In addition, all mail sent to my previous address will be forwarded to my permanent mailing address in the XXXX, as indeed Synchrony already knows, as they continued to send mail to my previous address despite my informing them of this change. The claim that somehow I am eligible to do banking in the XXXX because I have no XXXX mailing address is fallacious and a red herring, and Synchrony Bank knows it is. In addition, the international number Respondent provided -- XXXX -- no longer works, and since my original call to that number on XX/XX/XXXX, I have been unable to reach anyone using it. Synchrony Bank has no \" XXXX XXXX  '' department, and the claim by the manager I spoke with on XX/XX/XXXX that she was in that department was a total falsehood, as personnel at the regular customer service number have confirmed on multiple occasions. Respondent 's claim that I am unable to close my account because I am not physically present in the XXXX is the height of absurdity and worthy of ridicule and lawsuits to force them to abandon such a ridiculous claim. \n\nXXXX ) Respondent confirms that Synchrony Bank will refund all ATM fees charged by ATM machines up to {$5.00} per statement cycle. I have absolutely no way of knowing whether Synchrony has lived up to this promise because I have been unable to access my bank statements for the last 3 months, as Synchrony well knows. The distinction between an ATM card and a debit card is moot and absurd, as Synchrony 's ATM card functions exactly as a debit card, and no withdrawals can be performed above the current balance in the account. It baffles me that Synchrony would make such a ludicrous claim which has utterly no relevance to my complaint. Respondent 's claim that \" Synchrony Bank does not refund any foreign exchange conversion or ATM access fees when you use your card internationally '' directly contradicts what I was told by Synchrony Bank personnel both before my departure AND on XX/XX/XXXX, when I spoke with a \" manager '' in the \" international banking '' department. No such distinction between foreign and international transactions appears in Synchrony Bank 's Consumer Deposit Account Agreement and Disclosures, so ALL ATM FEES MUST BE REFUNDED UP TO THE {$5.00} LIMIT PER BILLING CYCLE. ANY FAILURE OF SYNCHRONY BANK TO ABIDE BY THEIR OWN DECLARATIONS AND THE Consumer Deposit Account Agreement and Disclosures MUST BE CONSIDERED WILLFUL BREACH OF CONTRACT AND FRAUD. In addition, Synchrony confirmed before my departure and afterwards that Synchrony charges no international transaction fees, and that is indeed what I was told by way of confirmation from the \" international banking manager '' I spoke with on XX/XX/XXXX! ANY CLAIM TO THE CONTRARY IS A FLAT-OUT LIE, AND CONSTITUTES ANOTHER BREACH OF CONTRACT. ( NOTE THAT EVERY TIME I HAVE WITHDRAWN MONEY FROM MY SYNCHRONY ACCOUNT, SYNCHRONY HAS USED THE OFFICIAL XXXX XXXX XXXX XXXX XXXX PLUS A XXXX % INTERNATIONAL CURRENCY FEE, WHICH IS NOT APPLIED BY THE BANK OWNING THE ATM NOR BY XXXX XXXX, BUT ONLY BY SYNCHRONY BANK! AND I HAVE CHALLENGED THIS FEE EVERY TIME I MAKE A WITHDRAWAL, AND RECEIVE A REVISED NOTICE INDICATING THAT THE FEES HAVE BEEN REMOVED FROM THE TRANSACTIONS. BECAUSE RESPONDENT 'S CLAIM CONTRADICTS SYNCHRONY 'S MULTIPLE ASSURANCES THAT NO INTERNATIONAL EXCHANGE FEES ARE EVER CHARGED BY SYNCHRONY, IT MUST BE VIEWED AS A DELIBERATE BREACH OF CONTRACT BY THE BANK AND MUST BE FURTHER INVESTIGATED BY THE CFPB!\n\n7 ) Apparently the Respondent fails to understand how \" the internet '' works when she makes the following asinine statement : \" Online account access may not be available, as we are not an international bank ; as a Virtual Private Network ( VPN ) can not be verified ; and the internet may not support our website- XXXX Please know, chat agents are unable to verify the account, and they will direct the customer online. Once logged into your account, you can send a secure message to Synchrony Bank, and the account information can be provided through secure message. '' I have never had a problem accessing XXXX from the XXXX. The problem, as Respondent well knows, IS THAT I CAN'T LOG IN WITHOUT A CONFIRMATION CODE WHICH SYNCHRONY REFUSES TO SEND TO THE VALID EMAIL ACCOUNT ASSOCIATED WITH MY SYNCHRONY ACCOUNT, BUT INSISTS ON USING ONLY AUTO-GENERATED SMS CODES TO A XXXX PHONE NUMBER WHICH HAS NOT BEEN VALID SINCE XX/XX/XXXX, AS I INFORMED SYNCHRONY ON XX/XX/XXXX. YET SYNCHRONY KEEPS INSISTING THAT I CAN ONLY ACCESS MY ACCOUNT ONLINE. I CAN NOT BECAUSE THEY REFUSE TO PROVIDE CONFIRMATION CODES BY EMAIL, PURE AND SIMPLE, AND AS A RESULT, SYNCHRONY IS REFUSING TO PROVIDE ACCESS TO MY ACCOUNT. THIS DIVERSION INTO THE MYTHOLOGY OF \" THE INTERNET '' IS NOTHING MORE THAN A DISTRACTION FROM THE REAL ISSUE RESPONSIBLE FOR DEPRIVING ME OF ACCESS TO MY ACCOUNT, WHICH IS SYNCHRONY 'S INSISTENCE ON SMS MESSAGES ONLY FOR CONFIRMATION CODES. NO ONE IS CONVINCED BY RESPONDENT 'S ATTEMPT TO BLAME THEIR ACTIONS ON \" THE INTERNET ''! \n\n8 ) Synchrony 's vapid XXXX regarding their concern for their customers is beneath contempt! Their is not a single \" compliance '' issue related to my accessing my account at Synchrony, as I am able to do with XXXX other banking institutions which are linked to my Synchrony account. I have no such \" compliance '' issues with them, as they actually care about their customers -- including those traveling abroad -- and provide full access to their account via email confirmation and account login not requiring SMS confirmation codes. Synchrony is on its own with this, and it is they who are not in compliance with the norms of reputable customer service. None of the issues I brought forward in my original complaints have been addressed by Respondent. This case MUST remain open until Synchrony complies with my right to access account information from overseas. Failure to do so is actionable, regardless of the CFPB 's findings, and will be pursued under state and federal banking regulations as appropriate. \n\nBecause Synchrony Bank has failed to respond adequately to any of the claims made in my original complaint -- even after taking almost XXXX weeks to respond -- I submit this new complaint as a means of forcing respondent to deal with the lies, deceptions, denials, deferrals and outright fabrications which appear in Synchrony 's so-called respond. Nothing has been resolved. My demands for reimbursement still stand, as does my demand for access to my account! \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-10-02T10:58:47.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"85704","tags":"Older American","has_narrative":true,"complaint_id":"16334664","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-10-02T09:45:15.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["Synchrony Bank has no \" XXXX XXXX  '' <em>department</em>, and the claim by the manager I spoke with on XX/XX/XXXX that she was in that <em>department</em> was a total falsehood, as personnel at the <em>regular</em> <em>customer</em> service number have confirmed on multiple occasions. Respondent 's claim that I am unable to close my account because I am not physically present in the XXXX is the height of absurdity and worthy of ridicule and lawsuits to force them to abandon such a ridiculous claim."]},"sort":[9.1733265,"16334664"]},{"_index":"complaint-public-v1","_id":"14457654","_score":7.4184995,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"On XX/XX/XXXX speedy cash loans attempted to withdraw over {$2000.00} XXXX from my checking account without any authorization or contact since XXXX of XXXX when they refused to adjust my payment dates as they were causing XXXX XXXX XXXX in overdraft fees after I started my new job. They refused to defer payments and I had to block them with my bank. They have sent no mail, email or phone correspondence since XXXX of XXXX when the loan was initiated attached you will see the screen shot of the only emails I have received from them. I requested assistance and they refused until making this unauthorized withdrawal attempt closing down my bank card and putting my bank account which had XXXX XXXX in it on hold. This company has failed to follow the proper guidelines for loans and defaulting a loan. \nIn their loan terms they also strip their customers of their rights and to have adjustments made to their loans. \n\nLicensing and Registration : Loan Company License : Required if your company assesses finance charges exceeding 18 % per year on consumer loans. This is regulated under Wis. Stat. s. 138.09.\n\nWisconsin Consumer Act ( WCA ) Registration : You'll need to submit a registration form and fee if your application for a loan company license is approved. \nXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Wisconsin loan companies are required to maintain their licenses on the XXXX. \nApplication Process : You can apply for a license through the XXXX website. Information about state licensing requirements and checklists are available there. \n2. Compliance with Wisconsin Laws : Wisconsin Consumer Act ( WCA ) : Your consumer loan agreements must comply with the provisions of the WCA ( Chapters 421 through 427 ) and Section 138.09 of the Wisconsin Statutes. \nMortgage Lending ( if applicable ) : If involved in mortgage lending, you need to be registered with the state, meet specific educational and testing requirements, and be sponsored by a licensed mortgage banker or broker. \nResidential Mortgage Loan Regulations : Specific regulations apply to residential mortgage loans, including restrictions on prepayment penalties and interest rate adjustments after default. \nPayday Lending ( if applicable ) : Payday lenders must be licensed, adhere to loan amount limits ( {$1500.00} or 35 % of gross monthly income, whichever is less ), and follow specific regulations regarding loan terms, disclosures, and borrower repayment options.\n\n3. Financial and Operational Requirements : Financial Standing : Mortgage bankers may need to demonstrate sufficient funds or file a bond to satisfy claims, with specific requirements for those with or without a bona fide office in Wisconsin. \nCriminal Background Check : Loan originators and mortgage professionals are required to complete a criminal background check as part of the licensing process. \nRecord Keeping : Payday lenders must maintain specific books and records, as determined by the Department of Financial Institutions ( DFI ), for at least two years.\n\nOffice Location ( for some licenses ) : Mortgage loan originators must be assigned to a licensed or registered office within XXXX miles of their residence. \n4. Additional Considerations : Recent Changes : Recent legislation ( Senate Bill 668 ) has expanded the scope of consumer loan licensing obligations to include parties involved in the purchase or servicing of certain non-mortgage consumer loans. \nEnforcement and Penalties : Failure to comply with regulations can result in license denial, revocation, fines, and even imprisonment.\n\n427.104Prohibited practices.\n\n( 1 ) In attempting to collect an alleged debt arising from a consumer credit transaction or other consumer transaction, including a transaction primarily for an agricultural purpose, where there is an agreement to defer payment, a debt collector may not : ( a ) Use or threaten force or violence to cause physical harm to the customer or the customers dependents or property ; ( b ) Threaten criminal prosecution ; ( c ) Disclose or threaten to disclose information adversely affecting the customers reputation for credit worthiness with knowledge or reason to know that the information is false ; ( d ) Initiate or threaten to initiate communication with the customers employer prior to obtaining final judgment against the customer, except as permitted by statute including specifically s. 422.404, but this paragraph does not prohibit a debt collector from communicating with the customers employer solely to verify employment status or earnings or where an employer has an established debt counseling service or procedure ; ( e ) Disclose or threaten to disclose to a person other than the customer or the customers spouse information affecting the customers reputation, whether or not for credit worthiness, with knowledge or reason to know that the other person does not have a legitimate business need for the information, but this paragraph does not prohibit the disclosure to another person of information permitted to be disclosed to that person by statute ; ( f ) Disclose or threaten to disclose information concerning the existence of a debt known to be reasonably disputed by the customer without disclosing the fact that the customer disputes the debt ; ( g ) Communicate with the customer or a person related to the customer with such frequency or at such unusual hours or in such a manner as can reasonably be expected to threaten or harass the customer ; ( h ) Engage in other conduct which can reasonably be expected to threaten or harass the customer or a person related to the customer ; ( i ) Use obscene or threatening language in communicating with the customer or a person related to the customer ; ( j ) Claim, or attempt or threaten to enforce a right with knowledge or reason to know that the right does not exist ; ( k ) Use a communication which simulates legal or judicial process or which gives the appearance of being authorized, issued or approved by a government, governmental agency or attorney-at-law when it is not ; ( L ) Threaten action against the customer unless like action is taken in regular course or is intended with respect to the particular debt ; or ( m ) Engage in conduct in violation of a rule adopted by the administrator after like conduct has been restrained or enjoined by a court in a civil action by the administrator against any person pursuant to the provisions on injunctions against false, misleading, deceptive or unconscionable agreements or conduct ( ss. 426.109 and 426.110 ). \n( XXXX ) If a debt collector is not otherwise in violation of sub. ( XXXX ) ( j ) with respect to a consumer credit transaction with a debtor, it is not a violation of this section to send a billing statement or other notice of account to, or to collect the amount due on the account from, the spouse of that debtor, if notice to the debtors spouse is provided under s. 766.56.\n\n423.301False, misleading or deceptive advertising. No merchant shall advertise, print, display, publish, distribute or broadcast or cause to be advertised, printed, displayed, published, distributed or broadcast, in any manner any statement or representation with regard to the extension of consumer credit including the rates, terms or conditions for the extension of such credit, which is false, misleading, or deceptive, or which omits to state material information with respect to the extension of credit that is necessary to make the statements therein not false, misleading or deceptive. With respect to matters specifically governed by the federal consumer credit protection act, compliance with such act satisfies the requirements of this section.\n\nHistory : 1971 c. 239.\n\n423.302Remedies and penalty. In addition to any other remedy provided by law, a customer who has been induced to consummate a consumer credit transaction as a result of advertising in violation of s. 423.301 shall be entitled to a recovery from the merchant in accordance with s. 425.305.\n\nMAXIMUM CHARGES 422.201Finance charge for consumer credit transactions. \n( 1 ) With respect to a consumer credit transaction other than one pursuant to an open-end credit plan, the parties may agree to the payment by the customer of a finance charge not in excess of that permitted by subs. ( 2 ) and ( 3 ). \n( 2 ) ( a ) The finance charge, calculated according to the actuarial method, may not exceed the equivalent of the total of the following for a consumer credit transaction entered into on or after XX/XX/XXXX and prior to XX/XX/XXXX, other than by a federally chartered or state-chartered savings and loan association : XXXX. XXXX percent per year on that part of the unpaid balance of the amount financed which is {$1000.00} or less ; and XXXX. XXXX percent per year on that part of the unpaid balance of the amount financed which is more than {$1000.00}. \n( b ) The finance charge, calculated according to the actuarial method, may not exceed the equivalent of the total of the following for a consumer credit transaction entered into prior to XX/XX/XXXX : XXXX. XXXX percent per year on that part of the unpaid balance of the amount financed which is {$500.00} or less ; and XXXX. XXXX percent per year on that part of the unpaid balance of the amount financed which is more than {$500.00}. \n( bm ) 1. The finance charge, calculated according to the actuarial method, may not exceed the greater of the following for a consumer credit transaction entered into on or after XX/XX/XXXX and before XX/XX/XXXX : a. XXXX percent per year. \nb. A rate of 6 percent in excess of the interest rate applicable to XXXX U.S. treasury bills as determined under subd. 2. \n2. For purposes of subd. 1. b., the interest rate applicable to XXXX U.S. treasury bills for any month is the average annual discount interest rate determined by the last auction of the bills in the preceding month, increased to the next multiple of XXXX percent if the average annual discount interest rate includes a fractional amount. \nXXXX. Information regarding the amount of the maximum finance charge under subd. 1. for any month shall be available at the office of the administrator. \n( XXXX ) A consumer credit transaction entered into after XX/XX/XXXX, is not subject to any maximum limit on finance charges. \n( 3 ) For licensees under s. 138.09 or 138.14 or under ss. 218.0101 to 218.0163, the finance charge, calculated according to those sections, may not exceed the maximums permitted in ss. 138.09, 138.14, and 218.0101 to 218.0163, respectively. \n( 5 ) For the purposes of this section : ( a ) The finance charge may be calculated on the assumption that all scheduled payments will be made when due ; ( b ) The dollar amount of finance charge shall include the prepaid finance charge excluded from the amount financed ; and ( c ) The effect of prepayment is governed by the provisions on rebate upon prepayment under s. 422.209. \n( 6 ) For the purposes of this section, the term of a consumer credit transaction other than one pursuant to an open-end credit plan commences with the date the credit is granted or, if goods are delivered, services performed or proceeds of a loan paid 10 days or more after that date, with the date of commencement of delivery or performance. Differences in lengths of months are disregarded and a day may be counted as one-thirtieth of a month.\n\n( 7 ) Subject to classifications and differentiations the merchant may reasonably establish, the merchant may make the same finance charge on all amounts financed within a specified range. A finance charge so made does not violate sub. ( 2 ) or ( 3 ) as the case may be if : ( a ) When applied to the median amount within each range, it does not exceed the maximum permitted by sub. ( 2 ) or ( 3 ) as the case may be; and ( b ) When applied to the lowest amount within each range, it does not produce a rate of finance charge exceeding the rate calculated according to par. ( a ) by more than 8 percent of the rate calculated according to par. ( a ).\n\n( 8 ) That portion of the finance charge consisting of an amount equal to a discount of 5 percent or less of the stated price which is offered to induce payment in full within a stated period of time in connection with a sale of particular goods and services for which credit is not otherwise available from the merchant shall not be included in the finance charge for the purpose of determining the maximum rate of finance charge under sub. ( 2 ) or ( 3 ) with respect to a customer who does not pay in full within such time.\n\n( 9 ) Notwithstanding sub. ( 2 ) or ( 3 ), a merchant may contract for and receive a minimum finance charge with respect to a transaction other than one pursuant to an open-end credit plan, of not more than {$5.00} when the amount financed does not exceed {$75.00}, or {$7.00} when the amount financed exceeds {$75.00}. \n( 10m ) A finance charge determined by application of a periodic rate shall be determined by applying the periodic rate to one of the following : ( a ) The average daily balance of the account. \n( b ) The unpaid balance of the account on the last day of the billing cycle after first deducting all payments, credits and refunds during the billing cycle. \n( c ) The median amount within a specified range within which the unpaid balance as calculated according to par. ( a ) or ( b ) is included. A charge may be made under this paragraph only if the creditor, subject to classifications and differentiations the creditor may reasonably establish, makes the same charge on all balances within the specified range and if the percentage when applied to the median amount within the range does not exceed the charge resulting from applying that percentage to the lowest amount within the range by more than 8 percent of the charge on the median amount.\n\n( 10s ) Regardless of the date that an open-end credit plan is entered into, the parties may agree to the payment by the customer of a finance charge at any periodic rate. \n( 11 ) Anything to the contrary in this chapter notwithstanding, with respect to consumer credit sales and consumer loans secured by real property and insured or guaranteed by the federal government, or any agency or instrumentality thereof, this chapter shall not prohibit or limit any charges which are required by statutes, rules or regulations of such government, agency or instrumentality. \n( 12m ) This section does not apply to consumer credit sales of or consumer loans secured by a first lien on or equivalent security interest in mobile homes or manufactured homes, as defined in s. 101.91, if the sales or loans are made on or after XX/XX/XXXX. \n( 13 ) A violation of this section is subject to s. 425.305 They have violated WCA the Wisconsin consumer act. They have failed to follow through on any proper debt collection practices as I have no notice to cure in writing or email. I have no records or voicemails of attempted contacts and willfully authorizing a payment without consent. It is being conscionable that a company who doesn't receive a reply to and email or mail wouldn't reach out and contact the customer to attempt to resolve these issues before authorizing a fraudulent charge to a persons account.","date_sent_to_company":"2025-07-21T14:34:31.000Z","issue":"Struggling to pay your loan","sub_product":"Payday loan","zip_code":"54729","tags":"Servicemember","has_narrative":true,"complaint_id":"14457654","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCF Intermediate Holdings LLC","date_received":"2025-07-04T11:40:13.000Z","state":"WI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["( i ) Use obscene or threatening language in communicating with the <em>customer</em> or a person related to the <em>customer</em> ; ( j ) Claim, or attempt or threaten to enforce a right with knowledge or reason to know that the right does not exist ; ( k ) Use a communication which simulates <em>legal</em> or judicial process or which gives the appearance of being authorized, issued or approved by a government, governmental agency or attorney-at-law when it is not ; ( L ) Threaten action against the <em>customer</em> unless like"]},"sort":[7.4184995,"14457654"]},{"_index":"complaint-public-v1","_id":"19204934","_score":7.2014694,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is a new complaint based on information I was only recently able to obtain from Synchrony Bank, as I have been unable to log into their website from abroad. I now have proof, via bank statements and emails, that they have been lying about not charging international transaction fees since I first asked them about this in XXXX, XXXX, and in subsequent emails and phone calls. \n\nSynchrony Bank has consistently lied about charging ATM or foreign currency transaction fees since I filed this complaint last XXXX. Again, I have been consistently told by Synchrony that they do not charge international transaction fees and that they reimburse ATM fees. See attached emails for proof that they have been lying since XXXX, XXXX about international trasaction fees. \n\nCFPB Complaint filed against Synchrony Bank on XX/XX/XXXX Description : Synchrony Bank failed to respond appropriately to my original complaint -- especially my well-supported documentation of claims made by bank personnel both before and after my recent XXXX travel, which have been totally contradicted by Respondent -- as well as my complaints about being unable to reach their so-called \" XXXX banking department '', the Respondent 's contradiction of the terms set forth in their Consumer Deposit Account Agreement and Disclosures, and serious complaints about their so-called \" chat customer service '' function which is a total joke, as third-party chat agents have no access to account information. despite the fact that these issues have been well known to XXXX since XX/XX/XXXX. Their recent \" response '' contains the following misstatements, equivocations, fabrications, and outright lies : XXXX XXXX Synchrony Bank was informed by me on XX/XX/XXXX at XXXX pm XXXX that my XXXX phone number was no longer valid and should never be used to send security codes or other account confirmation information. During that same call, I provided a valid phone number for Synchrony Bank to reach me in the XXXX, but they never called me back. Despite this, XXXX claims that a \" colleague '' attempted to contact me on that invalid phone number on XX/XX/XXXX, more than XXXX weeks after I informed them telephonically that the XXXX phone number was no longer valid. This constitutes a gross violation of account security, as the phone number may well have been reassigned to another customer by that date. Synchrony Bank is fully responsible for any breach of account security due to their grossly irresponsibility and negligence. XXXX ) All phone charges from the XXXX have been documented in the complaint, and will not be documented by \" fax '', XXXX pigeon, snail mail, nor any other XXXX or XXXX technology. XXXX will provide a secure email address for all future communication. International phone calls to the XXXX from XXXX XXXX are based on a flat rate of XXXX XXXX, or roughly XXXX XXXX. There is no documentation from XXXX XXXX of charges for individual international calls. I do have phone logs of all calls made or attempted to the number I was given by your chat center, XXXX, and the general customer service number I was obliged to use after that number ceased working, XXXX. YOU WILL COMPENSATE ME FOR EVERY MINUTE USELESSLY SPENT ATTEMPTING TO GET ACCOUNT INFORMATION FROM YOU AT THESE XXXX NUMBERS, AND YOU WILL SUPPLY A SECURE EMAIL ADDRESS FOR THE DELIVERY OF COPIES OF MY CALL LOGS. BASED ON THE FEE OF XXXX XXXXXXXX, SYNCHRONY NOW OWES ME APPROXIMATELY {$25.00}. XXXX ) Respondent claims to be \" appreciative '' of my informing them about the misinformation I was given on XX/XX/XXXX and afterwards regarding Synchrony 's fee-free international withdrawals and reimbursements for all ATM fees, yet neither is mentioned specifically in the replay, and respondent deliberately avoids confirming or denying that such claims were made to me both before my departure from the XXXX and XXXX XX/XX/XXXX. Such claims were indeed made, and Synchrony has a legal obligation to abide by them. XXXX ) Respondent 's claim about the XXXX XXXX is laughable on its face, as I do indeed have a permanent XXXX address which I have been unable to change on Synchrony Bank 's website because I am unable to log into it. There is no obligation for a XXXX phone number from any of the other XXXX banks I do business with, and confirmation by email is all they require. In XXXX case, a bank activated my account for XXXX ACCESS confirmation so that neither telephonic nor email confirmation would be required. Synchrony has made no effort whatsoever to provide login confirmation by email, nor by a third-party confirmation app such as XXXX ACCESS because they simply don't care whether they have my account or not, and are outrageously incompetent in providing customers with alternatives to telephonic confirmation. For this egregious oversight alone, they should not be allowed to continue to conduct banking activity in the United States. XXXX XXXX Synchrony Bank indicates that they can not use an international mailing address to send account information to. I have never requested that they do so. I provided my permanent XXXX mailing address to the \" XXXX '' with whom I spoke on XX/XX/XXXX, but she obviously never reported it to the bank. In addition, all mail sent to my previous address will be forwarded to my permanent mailing address in the XXXX, as indeed Synchrony already knows, as they continued to send mail to my previous address despite my informing them of this change. The claim that somehow I am eligible to do banking in the XXXX because I have no XXXX mailing address is fallacious and a red herring, and Synchrony Bank knows it is. In addition, the international number XXXX provided XXXX XXXX XXXX no longer works, and since my original call to that number on XX/XX/XXXX, I have been unable to reach anyone using it. Synchrony Bank has no \" XXXX Banking '' department, and the claim by the XXXX I spoke with on XX/XX/XXXX that she was in that department was a total falsehood, as personnel at the regular customer service number have confirmed on multiple occasions. Respondent 's claim that I am unable to close my account because I am not physically present in the XXXX is the height of absurdity and worthy of ridicule and lawsuits to force them to abandon such a ridiculous claim. XXXX ) Respondent confirms that Synchrony Bank will refund all ATM fees charged by ATM machines up to {$5.00} per statement cycle. I have absolutely no way of knowing whether Synchrony has lived up to this promise because I have been unable to access my bank statements for the last 3 months, as Synchrony well knows. The distinction between an ATM card and a debit card is moot and absurd, as Synchrony 's ATM card functions exactly as a debit card, and no withdrawals can be performed above the current balance in the account. It baffles me that Synchrony would make such a ludicrous claim which has utterly no relevance to my complaint. Respondent 's claim that \" Synchrony Bank does not refund any foreign exchange conversion or ATM access fees when you use your card internationally '' directly contradicts what I was told by Synchrony Bank personnel both before my departure AND on XX/XX/XXXX, when I spoke with a \" XXXX '' in the \" XXXX banking '' department. No such distinction between foreign and international transactions appears in Synchrony Bank 's Consumer Deposit Account Agreement and Disclosures, so ALL ATM FEES MUST BE REFUNDED UP TO THE {$5.00} LIMIT PER BILLING CYCLE. ANY FAILURE OF SYNCHRONY BANK TO ABIDE BY THEIR OWN DECLARATIONS AND THE Consumer Deposit Account Agreement and Disclosures MUST BE CONSIDERED WILLFUL BREACH OF CONTRACT AND FRAUD. In addition, Synchrony confirmed before my departure and afterwards that Synchrony charges no international transaction fees, and that is indeed what I was told by way of confirmation from the \" international banking XXXX '' I spoke with on XX/XX/XXXX! ANY CLAIM TO THE CONTRARY IS A FLAT-OUT LIE, AND CONSTITUTES ANOTHER BREACH OF CONTRACT. ( NOTE THAT EVERY TIME I HAVE WITHDRAWN MONEY FROM MY SYNCHRONY ACCOUNT, SYNCHRONY HAS USED THE OFFICIAL XXXX XXXX XXXX XXXX XXXX PLUS A XXXX % XXXX  CURRENCY FEE, WHICH IS NOT APPLIED BY THE BANK OWNING THE ATM NOR BY XXXX XXXX, BUT ONLY BY SYNCHRONY BANK! AND I HAVE CHALLENGED THIS FEE EVERY TIME I MAKE A WITHDRAWAL, AND RECEIVE A REVISED NOTICE INDICATING THAT THE FEES HAVE BEEN REMOVED FROM THE TRANSACTIONS. BECAUSE RESPONDENT 'S CLAIM CONTRADICTS SYNCHRONY 'S MULTIPLE ASSURANCES THAT NO INTERNATIONAL EXCHANGE FEES ARE EVER CHARGED BY SYNCHRONY, IT MUST BE VIEWED AS A DELIBERATE BREACH OF CONTRACT BY THE BANK AND MUST BE FURTHER INVESTIGATED BY THE CFPB! XXXX ) Apparently the XXXX fails to understand how \" the internet '' works when she makes the following asinine statement : \" Online account access may not be available, as we are not an international bank ; as a XXXX XXXX XXXX XXXX XXXX XXXX  can not be verified ; and the internet may not support our website- www.synchronybank.com. Please know, chat agents are unable to verify the account, and they will direct the customer online. Once logged into your account, you can send a secure message to Synchrony Bank, and the account information can be provided through secure message. '' I have never had a problem accessing XXXX from the XXXX. The problem, as XXXX well knows, IS THAT I CAN'T LOG IN WITHOUT A CONFIRMATION CODE WHICH SYNCHRONY REFUSES TO SEND TO THE VALID EMAIL ACCOUNT ASSOCIATED WITH MY SYNCHRONY ACCOUNT, BUT INSISTS ON USING ONLY AUTO-GENERATED SMS CODES TO A XXXX PHONE XXXX WHICH HAS NOT BEEN VALID SINCE XX/XX/XXXX, AS I INFORMED SYNCHRONY ON XX/XX/XXXX. YET SYNCHRONY KEEPS INSISTING THAT I CAN ONLY ACCESS MY ACCOUNT ONLINE. I CAN NOT BECAUSE THEY REFUSE TO PROVIDE CONFIRMATION CODES BY EMAIL, PURE AND SIMPLE, AND AS A RESULT, SYNCHRONY IS REFUSING TO PROVIDE ACCESS TO MY ACCOUNT. THIS DIVERSION INTO THE MYTHOLOGY OF \" THE INTERNET '' IS NOTHING MORE THAN A DISTRACTION FROM THE REAL ISSUE RESPONSIBLE FOR DEPRIVING ME OF ACCESS TO MY ACCOUNT, WHICH IS SYNCHRONY 'S INSISTENCE ON SMS MESSAGES ONLY FOR CONFIRMATION CODES. NO ONE IS CONVINCED BY RESPONDENT 'S ATTEMPT TO BLAME THEIR ACTIONS ON \" THE INTERNET ''! XXXX ) Synchrony 's vapid XXXX regarding their concern for their customers is beneath contempt! Their is not a single \" compliance '' issue related to my accessing my account at Synchrony, as I am able to do with XXXX other banking institutions which are linked to my Synchrony account. I have no such \" compliance '' issues with them, as they actually care about their customers -- including those traveling abroad -- and provide full access to their account via email confirmation and account login not requiring SMS confirmation codes. Synchrony is on its own with this, and it is they who are not in compliance with the norms of reputable customer service. None of the issues I brought forward in my original complaints have been addressed by XXXX. This case MUST remain open until Synchrony complies with my right to access account information from overseas. Failure to do so is actionable, regardless of the CFPB 's findings, and will be pursued under state and federal banking regulations as appropriate. Because Synchrony Bank has failed to respond adequately to any of the claims made in my original complaint -- even after taking almost XXXX weeks to respond -- I submit this new complaint as a means of forcing respondent to deal with the lies, deceptions, denials, deferrals and outright fabrications which appear in Synchrony 's so-called respond. Nothing has been resolved. My demands for reimbursement still stand, as does my demand for access to my account! Sincerely, XXXX XXXX RESPONSE : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : CFPB Case XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Dear XXXX XXXX XXXX XXXX behalf of Synchrony Bank , we are responding to your concerns raised through the Consumer Financial Protection Bureau ( CFPB ). We appreciate you bringing this matter to our attention. My colleague attempted to call ( XXXX ) XXXX, the phone number on file and on the CFPB complaint on XX/XX/XXXX, in order to discuss your account ; however, they were unable to reach you and received a busy signal. \nWe previously responded to your complaint on XX/XX/XXXX. For your convenience, a copy of our response has been enclosed. After a review of your concerns regarding international contact with Synchrony Bank, online access, ATM fees and international transaction fees. Synchrony Bank feels we have accurately addressed your concerns. Our position remains the same as stated in our original response ( XXXX ). If you have any additional documentation for review, please provide a copy to us and we can reopen your investigation. \nThe following Information that can be found in our website www.synchronybank.com under FAQ : You can use an ATM displaying the XXXX or XXXX logos. Your ATM card is provisioned to work in the XXXX and internationally. To locate an ATM, click here. \nSynchrony Bank does not currently charge a fee for using an ATM. However, there XXXX be an ATM fee charged by the ATM owner/operator or the financial institution. Synchrony Bank will refund domestic ATM fees charged by other financial institutions, up to {$5.00} per statement cycle. Synchrony Bank does not refund any foreign exchange conversion or ATM access fees when you use your card internationally. \nOur international phone number is ( XXXX ) XXXX, Monday - Friday : XXXX XXXX to XXXXXXXX XXXX. XXXX, Saturday and Sunday : XXXXXXXX XXXX XXXX XXXX XXXX. XXXX. \nWhy does Synchrony not allow foreign addresses? In accordance with the XXXX XXXX and as part of our XXXX XXXX XXXX, Synchrony Bank is required to authenticate every Account Holders permanent address. Currently, we dont have a tool or system that can validate that a foreign address is legitimate. \nPlease know, Synchrony Bank not an international bank. There is no guarantee that customers will be able to log in online when outside the country due to internet/website security restrictions. Our XXXX XXXX ( XXXX ) is the practice of using multiple data elements and more than XXXX factor to assist in the authentication of an account holder 's identity : XXXX ) Knowledge - something the account holder and only the account holder will know ( username, password, the answer to their security question, account data, etc. ). \nPage XXXX XXXX ) Possession - something the account holder and only the account holder has access to ( a verified phone or phone number ). \nXXXX ) XXXX - something the account holder and only the account holder is ( voice recognition or biometrics ). \nUpdating personal information or sending an XXXX is a High Risk Transaction ( HRTs ), which is a transaction that could place the Bank or the account holder at risk of fraud. If these security measures can not be met, then we are unable to send an OTP to an unverified phone number, address, or email. \nFor security purposes, when accountholders access an account via the Internet from an unregistered device, accountholders are required to complete a XXXX Time Passcode ( OTP ) process in which the Bank will issue a temporary PIN code that can be sent via text message or telephone call to confirm their identity. If the telephone number provided has not been registered in the Bank 's system, they will be retrieved from the credit bureaus. If an accountholder registers their device, they will no longer be prompted to complete this step. \nIf you choose to close your XXXX account, the funds can be sent to a verified registered account or a check can be sent to a XXXX address. If you have any further concerns a banking representative can be reached at ( XXXX ) XXXX. \nWe would like to stress compliance is very important to Synchrony Bank, and we follow all applicable laws and regulations. Your account is also important to us, and we strive to serve our accountholders in a timely and satisfactory manner. We regret any dissatisfaction you may have experienced regarding this account. \nThank you for the opportunity to respond to your concerns raised through the CFPB. If you have additional questions regarding this matter, contact me at ( XXXX ) XXXX, extension XXXX. I welcome the opportunity to assist you. \nRespectfully, XXXX XXXX XXXX XXXX Senior XXXX Corporate Consumer Relations Synchrony Bank Attn : IID XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Enclosure ( XXXX ) cc : Consumer Financial Protection Bureau New CFPB Complaint XX/XX/XXXX What happened? \nDespite what is clearly stated in Synchrony Bank 's Consumer Deposit Account Agreement and Disclosures, Synchrony Bank XXXX XXXX XXXX Account has failed to compensate for service fees and ATM fees for overseas transactions. There is no specification that foreign ATM withdrawals are exempt from Synchrony 's policy of reimbursing such fees in the Consumer Deposit Account Agreement and Disclosures. To date, Synchrony has charged my account more than {$50.00} USD in such fees, and has made no effort to reimburse my account. This is fraud. \nI want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe 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. \nInactive modal Inactive modal Edit this section What would be a fair resolution to this issue? \nImmediately restore ALL FUNDS debited from my account for foreign ATM or transaction fees and notify me immediately by email that this has been done. Synchrony bank has my verified email address on file. Under no circumstances is Synchrony Bank to use my old phone number XXXX XXXX as that number is no longer within my control. Synchrony bank has received a Cease and Desist order prohibiting them from using that number, and any infractions will be prosecuted. \nInactive modal Edit this section XXXX attachment View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within XXXX minutes of upload. \n________________________________________ CFPB Complaint filed against Synchrony Bank on XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2026-02-03T08:50:51.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"85704","tags":"Older American","has_narrative":true,"complaint_id":"19204934","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-02-03T08:31:18.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Synchrony Bank has no \" XXXX Banking '' <em>department</em>, and the claim by the XXXX I spoke with on XX/XX/XXXX that she was in that <em>department</em> was a total falsehood, as personnel at the <em>regular</em> <em>customer</em> service number have confirmed on multiple occasions. Respondent 's claim that I am unable to close my account because I am not physically present in the XXXX is the height of absurdity and worthy of ridicule and lawsuits to force them to abandon such a ridiculous claim."]},"sort":[7.2014694,"19204934"]},{"_index":"complaint-public-v1","_id":"6116871","_score":5.42125,"_source":{"product":"Mortgage","complaint_what_happened":"Dear CFPB : I obtained a refinance cash out loan from Rocket Mortgage, closing date XX/XX/XXXX, with the assistance of XXXX XXXX XXXX XXXX XXXX. I began the process XX/XX/XXXX, however, Rocket Mortgage refused to abide by Covid-19 rules and seriously delayed my loan application. I was very straightforward with XXXX XXXX regarding my lack of experience with home mortgages and insisted XXXX XXXX select a company with good standing and integrity. Rocket Mortgage eventually approved and processed my loan for {$200000.00} which had closing fees in the amount of {$2500.00} which I was informed would be removed from the {$200000.00} and the remaining balance would be provided to me. Despite loan documents including a statement that Rocket Mortgage intended on servicing my loan, my loan was sold to XXXX XXXX and I received notification informing of the transfer and I was to make my XX/XX/XXXX payment to XXXX XXXX. To be very clear, I was unhappy that my loan was sold and transferred and expressed my unhappiness to Rocket Mortgage. Obtaining my loan was tedious and difficult. To summarize, I jumped through hoops of fire to obtain the loan against my high value home that I owned free and clear. It was very frustrating that my efforts to obtain the loan and my property were never considered when the loan was sold and transferred to XXXX XXXX. I find XXXX XXXX to be a very questionable loan company whose customers rate the company and its customer relations very poorly and also has been sanction and sued by our government. This would not be a company I would select to do business with and trust with my valuable asset. Apparently, I was not well educated on Rocket Mortgage problems and quickly learned first hand. Prior to my loan sale and transfer to XXXX XXXX, I made XXXX payments on time per contract terms and an additional extra payment advised by XXXX XXXX for purposes to be one ahead and as a safety for future potential issues. Upon XXXX XXXX assuming my loan I have made all payment obligations on time as required beginning XX/XX/XXXX. My loan records kept by XXXX XXXX did NOT include and payment record information prior to XXXX XXXX for my time with Rocket Mortgage. I was unable to verify the information or determine the loan balance that I believed was incorrect. I attempted contact with XXXX XXXX through my account message center and sent several emails, all of which I never received a response. I then contacted XXXX XXXX by telephone and was informed there was no prior account transactions prior to XXXX XXXX. After a long detailed explanation of the loan, I informed XXXX XXXX that they are responsible for accurately and completely making available the entire loan record from its beginning. XXXX XXXX informed if there was prior records, Rocket Mortgage did not include those records in the transfer as required and I needed to contact them. I had sent Rocket Mortgage emails regarding the issue simultaneously when I sent XXXX XXXX, which I did not receive response and the responses I did receive from Rocket Mortgage informed they could not locate my information and I needed to use the same email used with their company when the loaned was obtained and continued to send the same response despite offer all account information and details. Upon contacting Rocket Mortgage by telephone, the first representative told me to contact XXXX XXXX because they were the only ones who would have the information. Next I was told the closing fees of {$2500.00} were added to the loan, NOT removed from the loan. I clearly explained the details which did not make a difference and asked that my call be escalated to upper management. I was told I would receive a call back in 24-48 hours. Approximately two days later I received a voice message from a representative from Rocket Mortgage. The following day I received a. Live message from XXXX XXXX who claimed to be a supervising manager with extensive experience with Rocket Mortgage. Unfortunately, XXXX XXXX and I played phone tag for several days due the time difference. I left XXXX XXXX a brief voice message of the details to offer some time to review the details. XXXX XXXX and I finally made successful contact yesterday, XX/XX/XXXX, however, the communications were anything but successful or productive with XXXX XXXX insisting it is not a Rocket Mortgage policy to remove any fees or charges from an original loan amount therefore it did not happen. I clearly explained the loan details and events with XXXX XXXX who I had never had any contact with prior and explained she was in possession of the original loan documents and financial records to support my claim and prove the accounting error to be the responsibility of Rocket Mortgage which required Rocket Mortgage to correct. XXXX XXXX again repeated Rocket Mortgage policy and offered her expertise to assist me with understanding the loan details which many first time homeowners found very confusing. XXXX XXXX provided an example of going to the market with {$10.00} and selecting {$10.00} worth of items which then had tax added, asking would I pay for the items with the {$10.00} or write a check for {$10.00}? XXXX XXXX then advised that the problem should correctly be taken up with the broker XXXX XXXX and required XXXX XXXX to correct. I had sent XXXX XXXX a very detailed email of the issue in the beginning when I contacted both mortgage companies and reviewed XXXX XXXX response after speaking to XXXX XXXX. After receiving my email, XXXX XXXX contacted Rocket Mortgage and was directed to contact a service information line at Rocket Mortgage and XXXX XXXX to resolve. I had extensive communications with XXXX, a department manager at XXXX XXXX, who assisted me with determining the error utilizing the loan and financial records. \nMy original loan amount was {$200000.00} which closed on XX/XX/XXXX at 2.75 % with a monthly payment of {$810.00}. XXXX XXXX XXXX. The closing fees of {$2500.00} were taken from the {$200000.00} and a wire transfer of {$190000.00} was direct deposited into my XXXX XXXX Checking Account on XX/XX/XXXX. Rocket Mortgage failed to enter the {$2500.00} removed from the loan for fees and posted loan payments against a balance of {$200000.00}, including the extra loan payment and sold and transferred my loan to XXXX XXXX with the same accounting error and loan balance of {$200000.00}. On XX/XX/XXXX I received an email notice from Rocket Mortgage informing my loan was sold to XXXX XXXX, advising it a regular and normal event, and again, confirming Rocket Mortgage intended on servicing my loan. XXXX XXXX informed the {$2500.00} was the broker fee received by XXXX XXXX and XXXX XXXX was somehow responsible for the accounting error. My conversation unexpectedly ended with XXXX XXXX due to my cell phone battery died. I did not call XXXX XXXX back for reasons XXXX XXXX adamantly insisted there was no problem because the problem I claimed went against company policy therefore did not exist. This is an accounting error completely supported and verified through the loan documentation and warrants immediate correction to show the correct balance owed on the loan. There is absolutely no reason that I should not be entitled to the {$2500.00} fee paid out of the money loaned to me and the correct balance from that transaction with payments posting to that balance. I find XXXX XXXX condescending and offensive. This is a minor error that can be easily and correctly resolved but instead has grown into a problem requiring intervention. The issue reflects the absolutely unacceptable and predatory actions loan companies inflict on hard working Americans and is yet another example of wasteful spending of tax payers monies to attempt to rectify the problem. While I may represent only one consumer and the amount in question may seem insignificant, it is exactly these two reasons that raise questions for accountability and oversight of one of the largest loan companies who has extensive and competent knowledge and experience to support compliance with requirements and to take the necessary actions to resolve problems, especially when it results from an internal error. It may only be {$2500.00}, but it is {$2500.00} that was taken from the loan made to me for fees I was charged and owed to obtain the loan. I am legally entitled to have the payment/money removed to correctly show and reflect in the balance. It is ludicrous to suggest I write off the incompetent error and for all involved to deny the error and continue to refer to the other company to resolve the error. XXXX XXXX informed the loan was sold and transferred with a balance of {$190000.00} and cents proving Rocket Mortgage NEVER posted the {$2500.00} payment. \nI apologize for not submitting supporting documentation or including detailed dates, amounts, and communications for reasons I am out-of-state and do not have immediate access to my records at home. My claim can be fully substantiated with available documents and records currently in the mortgage companies possession. \nThis problem prompts questions and fears for what the next 30 years will demonstrate repaying the loan.","date_sent_to_company":"2022-10-22T21:40:54.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"92705","tags":null,"has_narrative":true,"complaint_id":"6116871","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2022-10-22T19:48:06.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I find XXXX XXXX to be a very questionable loan company whose <em>customers</em> rate the company and its <em>customer</em> relations very poorly and also has been sanction and sued by our government. This would not be a company I would select to do business with and trust with my valuable asset. Apparently, I was not well educated on Rocket Mortgage problems and quickly learned first hand."]},"sort":[5.42125,"6116871"]},{"_index":"complaint-public-v1","_id":"17173528","_score":4.993618,"_source":{"product":"Mortgage","complaint_what_happened":"This submission supplements my prior filings with CFPB, Tennessee DFI, and the South Carolina Attorney General. It contains direct evidenceboth documentary and audioof systematic misapplication and concealment of payments within NewRez LLC / Shellpoint Mortgage Servicings system. \n1. Recorded Admissions : Multiple calls between XX/XX/XXXX and XX/XX/XXXX document your agents acknowledging an unapplied balance exceeding {$12000.00} and promising correction. \nThese recordings confirm real-time awareness that funds were received but not credited to principal. \nEach file is timestamped and retained in lossless format for regulatory review.\n\n2. Ledger Discrepancy ( XX/XX/XXXX ) : XXXX exported ledgers for the same account and date range show mutually inconsistent entries. \nThe XX/XX/XXXX {$3900.00} Unapplied Payment reversal present in the XX/XX/XXXX PDF is deleted in the XX/XX/XXXX version, while balances remain identicalproof of post-fact alteration. \nThe system therefore falsified payment history after verbal acknowledgment of unapplied funds. \nXXXX. Legal Implications : 12 C.F.R. 1026.36 ( c ) ( 1 ) ( TILA ) failure to credit payments as of date received.\n\n12 C.F.R. 1024.35 ( b ) ( 1 ) ( i ) ( ii ) and 1024.38 ( b ) ( 1 ) ( ii ) ( RESPA Reg X ) record-integrity violations.\n\n15 U.S.C. 1692e and 1692f ( FDCPA ) deceptive and unfair collection practices. \nSarbanes-Oxley 802 ( a ) ( 1 ) destruction or falsification of financial records. \nXXXX v. XXXX Mortgage XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) confirm that post-notice ledger changes are actionable. \n4. Regulatory Notice : These materials have been transmitted to CFPB, TDFI, and the South Carolina AG.\n\nIndependent audio and bank records confirm every payment.\n\nContinued reporting of delinquency after such notice satisfies the scienter element for willful violation under 12 U.S.C. 2605 ( f ).\n\nDemand for Immediate Action Within 10 business days, provide written certification that : all unapplied funds have been permanently applied to principal as of their original receipt dates ; no further retroactive alterations will occur in this accounts ledger ; and a complete, unedited transaction log ( with user IDs and timestamps ) will be furnished for regulatory verification. \n\nFailure to comply will constitute continuing violations subject to treble damages under 18 U.S.C. 1964 ( c ) and referral to DOJ Financial Crimes Division for falsification of federally regulated records. \nSupplemental Findings XX/XX/XXXX Call Series and Ledger Correlation Recordings from XXXX customer-service calls between XX/XX/XXXX and XX/XX/XXXX confirm that NewRez / Shellpoint agents repeatedly acknowledged an unapplied balance of roughly {$12.00} XXXX. On XX/XX/XXXX an agent stated that {$750.00} would be added to complete the XXXX payment cycle and that an additional payment was scheduled for XXXX. Subsequent ledgers show that entry briefly applied to XXXX, then vanished in later exports. \n\nBy the companys own words, XXXX of XXXX scenarios must be true : 1. If those reversals were errors, the servicer concedes its accounting system produces spontaneous inaccuracies and therefore fails the record-integrity requirements of 12 C.F.R. 1024.38 ( b ) ( 1 ) ( ii ).\n\n2. If those reversals were accurate, then the later removal of the same entries constitutes intentional alteration of a financial record, violating SarbanesOxley 802 ( a ) ( 1 ) and Reg X 1024.35 ( b ) ( 1 ).\n\nEither explanation establishes systemic control failure. Each call transcript aligns with a contemporaneous ledger change, showing a persistent pattern of acknowledgement followed by inconsistent remediation. These admissions demonstrate not isolated employee confusion but a corrupted servicing platform that rewrites transaction history after contact with borrowers. \n\nAddendum B Recorded Admissions and Chronological Proof of Ledger Manipulation Between XX/XX/XXXX and XX/XX/XXXX, XXXX recorded phone calls with NewRez/Shellpoint representatives confirm recurring acknowledgment of unapplied funds and ledger confusion. Key examples include : XX/XX/XXXX ( XXXX min ) Agent confirms total owed {$5.00} XXXX with {$2.00} XXXX unapplied, promising correction once the {$5.00} XXXX XXXX payment posts. \nXX/XX/XXXX ( XXXX min ) Representative verifies receipt of {$750.00} payment, confirmation # XXXX, to fulfill XXXX, then states unapplied balance will clearexactly matching the ledger entries later altered or deleted. \nXX/XX/XXXX ( XXXX min ) and XX/XX/XXXX ( XXXX min ) Follow-up agents admit continued system errors and inability to reconcile unapplied amounts. \nXX/XX/XXXX series ( XXXX calls ) Agents attempt account matching, discuss refinancing, and again acknowledge ongoing discrepancies. \n\nEach call corresponds to a specific change in the XXXX exported ledgers ( XX/XX/XXXX XX/XX/XXXX ). The recordings establish real-time knowledge of ledger corruption and failed remediation. If NewRez classifies the {$750.00} correction as an error, it admits a broken system under 12 C.F.R. 1024.38 ( b ) ( XXXX ) ( ii ) ; if it claims the entry was accurate, then its later removal constitutes record falsification under SarbanesOxley 802 ( a ) ( 1 ).\n\nThese synchronized data and audio records eliminate any plausible isolated-employee defense and prove that multiple representatives were aware of and documented the same unapplied-funds problem while the ledgers were being rewritten. \n\nAddendum C Historical Recorded Admissions ( XXXX XXXX ) The evidentiary record now includes calls from XX/XX/XXXX through XX/XX/XXXX, showing identical ledger irregularities and staff acknowledgments long before the XX/XX/XXXX unapplied-funds crisis. \n\nXX/XX/XXXX ( XXXX min ) Agent discusses mismatched payoff amounts and apologizes for system quoting errors. \nXX/XX/XXXX ( XXXX min series ) XXXX separate calls confirm a one-time {$2.00} XXXX payment scheduled against an account balance of {$5.00} XXXX, the same figure later appearing in ledgers under multiple classifications ( Regular, Unapplied, or missing ). \nXX/XX/XXXX ( XXXX min ) Representative again requests full SSN verification, states inability to locate the correct balance, and transfers the call between departments without reconciliation. \n\nThese recordings establish that the same ledger malfunctions and unapplied-fund anomalies existed at least XXXX months before the XXXX XXXX XXXX XXXX sequence. The repetition across XXXX satisfies the pattern or practice element under 12 U.S.C. 2605 ( f ) ( 1 ) ( B ) and supports a finding of reckless disregard under 15 U.S.C. 1692k ( a ) ( 2 ) ( A ).\n\nCombined with Addenda A and B ( ledger comparisons and later admissions ), this chronology demonstrates : 1. Continuous system errors from XXXX XX/XX/XXXX ; 2. Ongoing employee recognition without remediation ; 3. Knowledge at the supervisory level that balances and classifications were inconsistent month to month. \n\nUnder XXXX v. XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ), such a sustained failure to correct misapplied payments after repeated borrower contact constitutes willful RESPA/TILA non-compliance.\n\nFormal Notice of Record-Tampering and Oversight Breach NewRez LLC XXXX XXXX XXXX XXXX XXXX \n\nNewRez LLC is now on documented notice that its servicing personnel repeatedly acknowledged unapplied-fund discrepancies and system errors during recorded calls spanning XX/XX/XXXX through XX/XX/XXXX, while the same transactions were later altered or deleted in XXXX separate ledger exports covering identical dates. Each recording demonstrates contemporaneous knowledge of a malfunctioning or manipulated accounting system, yet no corrective audit trail was implementedconstituting a continuing violation of 12 C.F.R. 1024.38 ( b ) ( 1 ) ( ii ) ( failure to maintain complete and accurate records ) and 12 C.F.R. 1026.36 ( c ) ( 1 ) ( failure to credit payments as of date received ). The XX/XX/XXXX sequence, in which a {$750.00} payment was first confirmed, then removed from later ledger versions, converts these acknowledgments into prima facie evidence of record falsification under SarbanesOxley Act 802 ( a ) ( 1 ) and potential obstruction under 18 U.S.C. 1519.\n\nBecause NewRez and Shellpoint operate as wholly-owned subsidiaries of XXXX XXXX XXXX XXXX this misconduct ascends directly to XXXX XXXX under the oversight-liability standards of In re XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX. Ch. XXXX ) ; XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX ) ; and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. Ch. XXXX ). XXXX XXXX XXXX XXXX ( CEO ), XXXX XXXX ( CFO ), and XXXX XXXX ( Chief Legal Officer ) bear a non-delegable duty to establish and monitor information systems capable of detecting precisely these compliance failures. Their constructive knowledge of falsified ledgers, coupled with active regulatory notice, satisfies the scienter element for XXXX board liability and creates potential exposure under SOX 302 and 404 for false internal-control certifications. XXXX enrichment through uncredited borrower payments further implicates 18 U.S.C. 1962 ( c ) and 1964 ( c ) ( civil RICO ) as a continuing enterprise benefiting from record manipulation.\n\nImmediate action is required : ( 1 ) full forensic preservation of all servicing-system databases, ( 2 ) disclosure of these control failures to investors in the next Form 10-Q/K pursuant to Exchange Act Rules 13a-15 and 13b2-1, and ( 3 ) restitution to affected borrowers consistent with 12 U.S.C. 2605 ( f ) and 15 U.S.C. 1640 ( a ). Continued inaction will evidence willful blindness under XXXX, warranting derivative and enforcement remedies at both the state and federal levels.","date_sent_to_company":"2025-11-11T12:49:51.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"37066","tags":"Servicemember","has_narrative":true,"complaint_id":"17173528","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-11-11T12:35:25.000Z","state":"TN","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":["XX/XX/XXXX ( XXXX min series ) XXXX separate calls confirm a one-time {$2.00} XXXX payment scheduled against an account balance of {$5.00} XXXX, the same figure later appearing in ledgers under multiple classifications ( <em>Regular</em>, Unapplied, or missing ). \nXX/XX/XXXX ( XXXX min ) Representative again requests full SSN verification, states inability to locate the correct balance, and transfers the call between <em>departments</em> without reconciliation."]},"sort":[4.993618,"17173528"]},{"_index":"complaint-public-v1","_id":"6990709","_score":4.8544154,"_source":{"product":"Checking or savings account","complaint_what_happened":"Re : AND Ally Bank ( owned by Ally Financial ) XXXX ( owned by XXXX XXXX ) XXXX, Utah XXXX, Arizona XXXX XXXX www.ally.com XXXX To whom it may concern, I would like to submit a complaint regarding Ally Bank and XXXX. I was a customer of Ally from XXXX XX/XX/XXXX until XXXX XX/XX/XXXX. I often used XXXX via the Ally phone application to transfer money with friends and family during that time. \n\nHowever, in XX/XX/XXXX, Ally and XXXX terminated my access without any cause over unfounded suspicion about fraudulent activity. Ally conducted an inadequate investigation that failed to take into account the relevant facts and circumstances and has caused me financial distress and harm by abruptly, and tortiously, preventing my access to my money. I have been conferring with legal counsel and sent letters to Ally and XXXX via the XXXX to establish the facts surrounding this situation and to 1. seek confirmation that neither Ally nor XXXX will be reporting any of my activity as fraudulent externally 2. for XXXX to reverse their decision and 3. for Ally to provide me with an accurate and complete statement of accounting of the last months transactions in light of the extensive evidence provided. \n\nIn XX/XX/XXXX, I began planning a trip to XXXX XXXX with my friend of over ten years, XXXX XXXX. XXXX and I met in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX and have been very close ever since. A mutual friend from XXXX is getting married in XXXX XXXX, XXXX XXXX in XX/XX/XXXX. XXXX currently lives in XXXX, Colorado and works as a dermatology physician assistant. I currently live in XXXX XXXX, California and work as a XXXX XXXX XXXX XXXX XXXX performing reconstructive surgeries for children born with XXXX XXXX. XXXX and I began planning our trip in XX/XX/XXXX, and I paid for the following for both XXXX and myself : 1. Hotel in XXXX XXXX booked through XXXX XXXX and XXXX XXXX by XXXX booked for XXXX XX/XX/XXXX paid with my XXXX XXXX  XXXX XXXX on XXXX XX/XX/XXXX totaled {$520.00} 2. XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX XXXX booked for XXXX XXXX paid with my XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX totaled XXXX XXXX as quoted by the lodge on- {$4200.00} was charged to my XXXX XXXX  - I quoted XXXX {$4200.00} via text on Monday ( see screenshot of conversion below ) 3. Hotel in XXXX XXXX booked directly through the hotel website The XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX booked with my XXXX XXXXXXXX XXXX XXXX on XXXX XX/XX/XXXX totaled XXXX ( equivalent to approximately {$1800.00} USD on the date of purchase ) In turn, my friend XXXX XXXX XXXX for my round-trip flights from XXXX XXXX to XXXX for the XXXX in XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX for flights on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX totaling XXXX XXXX ( equivalent to approximately {$560.00} USD on the date of purchase ). \n\n( Please see attached document for original complaint submitted including screenshots and receipts. ) Because we split the costs of the hotels and safari lodge, XXXX owed me {$3300.00}, and we subtracted the {$560.00} I owed him for my flight, totaling {$2700.00} that XXXX owed me. \nXXXX XXXX is a XXXX customer who had never used XXXX before. I asked him to pay me via XXXX because I felt that it was more secure than XXXX, and far more efficient than mailing a check. On XXXX XX/XX/XXXX, XXXX tried signing up for XXXX. He had some difficulty doing so. At the end of XXXX XX/XX/XXXX, he was able to submit a {$2000.00} payment to me via XXXX due to daily limits, and he stated that he would send the remaining {$750.00} the following day. XXXX also mentioned issues with XXXX trying to verify his identity and he stated that the {$2000.00} payment was initially pending review, but that it did go through on XXXX XX/XX/XXXX. On XXXX XXXX, XXXX texted me that his account had been locked. However, by the end of XXXX XXXX, XXXX account was unlocked, the payment had been reviewed, and the payment was completed to me. I confirmed on XXXX XX/XX/XXXX via text that Gregs final payment of {$750.00} to complete the {$2700.00} he owed me was complete. ( Please see screenshots on attached document. ) Text chain between XXXX XXXX and myself discussing the costs and payments. ( Please see screenshots on attached document. ) XXXX and I thought that the issues had been resolved as the payments had gone through and what we owed one another was settled, since I had received email confirmations from Ally that both the {$2000.00} XXXX transaction had gone through on XXXX XX/XX/XXXX and that the {$750.00} XXXX transaction had gone through on XXXX XX/XX/XXXX. ( Please see screenshots on attached document. ) However, on XXXX XX/XX/XXXX I received two separate emails from Ally stating that XXXX had been deactivated for both my email address ( XXXX ) and my phone number ( XXXX ). ( Please see screenshots on attached document. ) I was in the midst of a very busy week of XXXX and was caring for my XXXX XXXX dog, so I was not able to call Ally right away. I figured that there had been some confusion since XXXX had trouble submitting the payments and that it would be easily resolved once I called Ally and/or XXXX particularly because they had approved the transactions and had fully deposited the funds into my Ally account. My dog passed away the night of Thursday, XXXX XXXX and I did not go to work on Friday, XXXX XX/XX/XXXX. \n\nOn XXXX XX/XX/XXXX, I received an extremely alarming email from Ally, which stated : Ally Bank AlertYour telephone banking PIN has been changedIf you didnt make this change, call us immediately at XXXX. I also received three separate emails from Ally with the same message in triplicate asking me to call to verify information. ( I assumed corresponding to the three accounts I had open with Ally my checking account, a small stock checking account, and my savings account. ) ( Please see screenshots on attached document. ) I called the Ally Customer Care number ( as the Loss Prevention Line was closed after XXXX XXXX XXXX XXXX time ) immediately after I saw the emails I was extremely concerned that someone was trying to hack me, since I had not changed my banking PIN. I called spoke with Ally Customer Care at XXXX for 8 minutes at XXXX PM on Saturday, XXXX XX/XX/XXXX. At this time, Ally told me that Ally had actually changed the PIN themselves. I asked why and they said that there was a concern with my account and that they had locked all three accounts ( my checking, my stock checking, and my savings ). I was told to call the Ally Fraud Department the following day, since they were closed at that point. I was given the number XXXX. \n\nI called the Ally Fraud Department at XXXX several times on Sunday, XXXX XX/XX/XXXX to try to figure out what was happening. I called the Ally Fraud Department at XXXX XXXX and spoke with them for 4 minutes, called again at XXXX XXXX and spoke with them for 6 minutes, again at XXXX XXXX for 2 minutes, and XXXX XXXX for 5 minutes. On Sunday, I was told that all three accounts would remain locked pending an investigation, and that the investigative team did not work on weekends. I was instructed to give them a few days to complete their investigation and to call back at that point. I was concerned as my Ally accounts were my only source of funds. \n\nI called XXXX Customer Service at XXXX on Sunday, XXXX XX/XX/XXXX at XXXX XXXX for 6 minutes. I was told that because I was not using the XXXX application, they could not give me any information and that everything needed to go through the bank that was connected to XXXX. \n\nMy jobs direct deposit went to my Ally Checking account and my entire savings was in the Ally Savings account. All of my autopays were linked to the Ally Checking account. However, because I had already paid my mortgage that month, because I had recently made some credit card payments, and because from what I could recall without access to my online account ( all three were paperless accounts ) most of my autopays went through around the XXXX of the month, I decided to be patient. \n\nTherefore, I followed Allys instructions and gave the Fraud Department three days to investigate. I called the Fraud Department at XXXX on Wednesday, XXXX XX/XX/XXXX after work at XXXXXXXX XXXX and spoke with someone for 10 minutes. At this time, I was told that either my friend XXXX XXXX or his bank, XXXX, had marked the transaction as fraud and this was why my account was locked. I called XXXX XXXX on XXXX XX/XX/XXXX at XXXX XXXX and spoke with him for 19 minutes. XXXX stated that he had not marked anything as fraudulent and that he would call his bank, XXXX, immediately to see if anything had accidentally been marked as fraud. XXXX called me back on XXXX XX/XX/XXXX and we spoke for 6 minutes at this time, XXXX stated that he had spoken with XXXX and that nothing had been marked fraudulent on their end. Apparently, the {$2000.00} payment was attempted once, and the {$750.00} payment was attempted three times, once successfully, but that nothing had been marked fraudulent at all on their end. Therefore, XXXX told my friend XXXX that there was nothing else they could do on their end. \n\nDuring one conversation, I asked Ally if they would accept a letter from XXXX bank, XXXX, sent directly to Ally stating that nothing had been marked fraudulent with these transactions on their end. The Ally representative stated that this would be very helpful, and to please have XXXX email the documentation to XXXX. I told this to XXXX, who called XXXX to ask for such documentation. Per XXXX, he was transferred three different times and spoke with two managers about this proposition and was ultimately informed that this would be illegal due to privacy issues, that they had never been asked for such a letter, and that they had never heard of the XXXX email address. \n\nOn Thursday, XXXX XX/XX/XXXX, I called the Ally XXXX Department back for an update during a break at work. I was stuck on the call for 31 minutes. The very helpful representative said that he had escalated the issue to his manager to try to help the decision along, since I was unable to access any of my money, pay any of my bills, receive my paycheck from work, or pay my mortgage while this was being investigated/my accounts were locked. I asked if he could see if the accounts that the XXXX transaction was not deposited into could be unlocked so that I could at least pay my bills. He was very understanding and said it was a great idea, that he would see if that was possible. \n\nWhile on the phone with this agent, I missed a call from an Ally number of XXXX at XXXX XXXX. A woman at Ally left a voicemail stating This is an important message for XXXX XXXX from Ally Financial please give us a call back at XXXX I called the number back immediately at XXXX XXXX and spoke with Ally for 11 minutes. During this time, I was told that there was some movement on the investigation and that the investigator may give me a call soon. \n\nAt XXXX XXXX  on XXXX XX/XX/XXXX, the investigator for the case called me and we spoke for 7 minutes. He, like previous Ally agents, asked me if I had ever given my Ally login or pin information to anyone else ( which I had not ), he asked me if I knew XXXX XXXX personally ( I stated that yes, we were longtime friends who were planning a trip together ), and I explained the situation. The investigator seemed understanding and stated that he would call XXXX right after this call and that I could likely expect a call back from him within an hour. I had to scrub into XXXX right after that call, but had our nurse watching the phone in case he called back. We finished XXXX and he had not called back as of XXXX XXXX, so I called Ally back at that time and spoke with them for 15 minutes. During this conversation, I was informed that a decision had been made within the last hour and that Ally Financial was terminating our relationship with you. I asked them to clarify how this decision was made I was told that XXXX told Ally that day that the XXXX XXXX transactions were fraudulent. I asked the Ally representative how XXXX and Ally had come to that conclusion, since no one had asked either XXXX or myself for any kind of supporting documentation that could prove our relationship and that a trip was currently being planned together. I was told that after receiving the information from XXXX, Ally had conducted their own internal investigation during the afternoon and that Ally had made the final decision to terminate our relationship. The Ally representative also stated that this sudden, unilateral termination was within their rights due to our agreements ( which I believe is true ), and that a check would be mailed to the address on file with the remaining funds in the account. \n\nBecause Ally locked me out of all accounts, I was not able to verify that the amount I received back was correct. I was unsure if they were planning to return the previously deposited XXXX amounts from XXXX XXXX to him. ( As of XXXX XXXX, XXXX states that the funds have not been returned to him. ) I asked Ally how long it would take for me to receive the check I was told that it would be sent via regular mail and would likely take 7-10 days once it was mailed by Ally, and that Ally may take a few days to issue the final check. On Friday, XXXX XXXX, I discovered via my credit card and mortgage apps that all credit card payments and the mortgage payments I made on XXXX XX/XX/XXXX from my Ally account were returned, and now none of my bills or mortgage were paid, and the money will not be returned to me until after these were due. \n\nWhen the checks finally arrived, they arrived with no statement and zero explanation. I received three checks, one for each of my Ally accounts ( one savings and two checking ). None included a statement. They simply ( and deceitfully ) stated that the checks reflect the amount of the account at time of closure. I had to request statements through the XXXX  multiple times and via mail before receiving any. Eventually Ally disclosed via the XXXX that {$2000.00} was withheld on XXXX XX/XX/XXXX Ally stated that On XX/XX/XXXX, the XXXX XXXX noted that the {$2000.00} XXXX payment was reported as fraud. On XX/XX/XXXX, the funds were withdrawn from your XXXX and placed in a holding account and will be processed in accordance with any instructions received from XXXX and in compliance with the law. Ally also stated in their XXXX XX/XX/XXXX letter that my account closure will be reported to XXXX as a closed account and refused to discuss the future of the withheld {$2000.00}. They closed the BBB dispute on that date without resolution. \n\nI have many issues with how this issue was handled by both Ally and XXXX and have serious concerns with what may happen to me, my credit, and my ability to open bank accounts going forward. I have submitted these complaints via the XXXX without resolution - I have attached Ally and XXXX responses. \n\nIssues with Ally : - I feel that the investigation conducted by Ally was minimal effort. Their investigation changed the story multiple times. ( First it was that XXXX or XXXX had reported a transaction as fraudulent, then it was that XXXX XXXX was the one considered fraudulent, then finally it was that XXXX had determined that I was the fraudulent individual. ) Allys investigation ultimately relied solely on what XXXX stated - even though neither XXXX XXXX nor XXXX had reported the transactions fraudulent - without contacting me, XXXX XXXX, or Chase to provide any kind of documentation that could prove that XXXX and I were friends, that there was a trip planned, that he made the transactions, that the transactions were never reported as fraud. I could have provided all of the receipts, texts, and documentation of years of friendship with identity proof for both XXXX and myself. \n- I believe that Ally locking me out of all access of all accounts during their investigation, not just the account that received the transaction in question, was unfair and could have caused me undue harm and financial distress. Without access to any of my funds from the time they locked my account on XXXX XXXX until I received the check, I would have missed a payment on my mortgage, my student loans, several on my various credit cards, many autopays, and I would not have been able to receive at least one paycheck from my job as a physician assistant. This could have caused serious damage to my credit score and cost me huge amounts in late fees and APR charges, lasting for years, affecting my ability to open accounts, take out loans, etc. I believe that they should have solely locked the account into which the XXXX transaction was deposited and that there was not sufficient justification for locking all three accounts ( which I informed them during every single call were my only available accounts ). Fortunately, I have an extremely supportive family and job and my family helped me open another bank account and lent me money to pay my bills and mortgage in the meantime, and my job quickly changed my autopay before the next check was issued. For anyone without this kind of extreme support, this would have been financially devastating. \n- Ally has confirmed via the XXXX that they will be reporting this completely unsubstantiated account closure to XXXX ( and did not state that this would be the only report ). From what I know, XXXX gives consumers a credit rating that can make it extremely difficult for me to open other bank accounts for up to five years. As a young, single person with student debt and a mortgage, I could be extremely damaged by such unfair actions, since this alleged fraudulent transaction was not properly investigated. \n- Ally has unjustly withheld {$2000.00} of my funds without cause and with no communication about process for release. \n\nIssues with XXXX : - XXXX refused to speak directly with either XXXX XXXX or me, since we used XXXX through our banks. While I understand that this is their policy, I take issue that they clearly did not confirm with XXXX that neither XXXX XXXX nor XXXX had marked these XXXX transactions to me as fraudulent. \n- According to Ally, they were told definitively by XXXX that I had somehow committed a fraudulent transaction and that my email ( XXXX ) and cell ( XXXX ) were marked fraudulent/could no longer be used at XXXX. This is what turned the investigation, which had been sounding fairly promising Thursday morning after speaking with the investigator, immediately south. \n- Why was I, and not XXXX XXXX ( the one that made the transaction- which was reviewed, approved, and completed by XXXX ) marked as fraudulent? XXXX was cleared and his account was unlocked within one day. Why was only my end marked fraudulent and why was there no actual investigation/neither myself, XXXX XXXX , nor XXXX were asked to provide any documentation in defense? \n- I am also concerned that XXXX could report this completely unsubstantiated suspected fraud to federal or state officials and/or XXXX or any other consumer disclosure reporting agencies, again affecting my credit and life going forward. They did not specifically state via the XXXX even after I specifically asked multiple times that they would not be reporting me to any agencies, rather just stated that my account was active on XXXX. \n- According to Ally, XXXX is involved in the future of the withheld {$2000.00}. \n\nAlly has unjustly withheld {$2000.00} and have offered me no information about release, claiming XXXX will be involved. I am reaching out to California state and federal reporting agencies, and plan to take Ally ( and XXXX, if necessary ) to small claims court to retrieve the {$2000.00} I am owed. The distributed funds should also include the ~4 % interest these funds would have accumulated if in my savings since XXXX, as they would have in my possession. I also plan on disputing the closed account report directly with XXXX. \n\nIdeally, I would like governmental agencies to investigate Ally and XXXX actions in order to prevent similar issues from happening to others in the future its unlikely that most people have the support systems I am lucky enough to have, so they would be even more damaged by such unjust banking actions. \n\nI am able and happy to supply screenshots and verified cellular information from XXXX about all calls if needed. I have also included the most relevant XXXX communications as attachments. My friend XXXX and I have since gone on this trip, which I can also provide proof of, if needed. \n\nThank you so much for your time. If the \" Pray Ally XXXX XXXX Final '' document doesn't open properly please let me know and I can find another way to submit. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-05-17T21:34:59.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"90046","tags":null,"has_narrative":true,"complaint_id":"6990709","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2023-05-17T20:46:29.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["I called spoke with Ally <em>Customer</em> Care at XXXX for 8 minutes at XXXX PM on Saturday, XXXX XX/XX/XXXX. At this time, Ally told me that Ally had actually changed the PIN themselves. I asked why and they said that there was a concern with my account and that they had locked all three accounts ( my checking, my stock checking, and my savings ). I was told to call the Ally Fraud <em>Department</em> the following day, since they were closed at that point. I was given the number XXXX."]},"sort":[4.8544154,"6990709"]},{"_index":"complaint-public-v1","_id":"2647417","_score":4.2835054,"_source":{"product":"Mortgage","complaint_what_happened":"NOTICE - MOST IMPORTANT - XXXX XXXX Trustee has contradicted the fact that JPMorgan Chase Bank claims of being the investor and or having such investing information from XXXX XXXX XXXX d.b.a XXXX XXXX XXXX whom where forced out of business XX/XX/XXXX - XX/XX/XXXX by the California Corporations Commissioner. More over how was our personal identity stolen from banks involved? XXXX XXXX XXXX and XXXX XXXX former employees of XXXX XXXX XXXX XXXX XXXX is alleged to be formerly of XXXX XXXX XXXX XXXX IL.Both are employees currently with JPMorgan Chase Bank USA NA and Co. When we spoke with XXXX XXXX concerning their position within this mortgage assignment fraud, fraud no contract, fraud inclusion, and fraud in the concealment, they XXXX XXXX representative stated that they are only the TRUST of the Trust and JPMorgan Chase Bank the SERVICER of alleged mortgage assignment has the information of the alleged investor XXXX or XXXXXX/XX/XXXXHE which of the two are relevant seems to be the case here! See attachments.\nAttempts to seek a resolution with SERVICER JPMorgan Chase Bank whom fraudulently claims there is a Mortgage and a alleged investor without proof has been going on since XX/XX/XXXX, well after the Payoff of EMC has taken placeXX/XX/XXXX As well XX/XX/XXXXa payment in form of MONEY ORDER shall be submitted to JPMorgan Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA [ XXXX ] XXXX to make a final attempt to settle this debt. If the Fraudulent Mortgage Assignment is not removed we shall pursue legal action within the proper jurisdictions agains all banks involved and personnel.\nXX/XX/XXXX 1 BOND XXXX Notice the Hall Release Mortgage Assignment is title RELEASE from XXXX whom was paid by JPMorgan Chase and or XXXX XXXX XXXX to file this fraudulent document dated XX/XX/XXXX recordedXX/XX/XXXX with the LA County Registrar. This is a fraudulent document due to its nature and lack of information therein. There is no dollar amount owed, there is no date to which the third party debt collector JPMorgan Chase acquired loan, its titled RELEASE!\nt is believed that this loan was created inXX/XX/XXXXthereafter XXXX XXXX XXXX  obtained investments within the XXXX XXXX XXXX XXXX XXXX Which is now or have been acquired by JPMorgan Chase NA as of the yearXX/XX/XXXX The Documents where prepared by XXXX XXXX XXXX of JPMorgan Chase Co NA she is also the alleged Secretary for XXXX? As well the Beneficiary and Nominee for XXXX XXXX/ WaMu address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX phone number XXXX XXXX she prepared this fraudulent document on XX/XX/XXXX and had paid XXXX  XXXX XXXX XXXX XXXX to record it with XXXX XXXX County Recorder Registrar onXX/XX/XXXX. Ten ( 10 ) years after the alleged acquisition of WaMu/JPMorgan Chase Bank well after again 10-12 years after XXXX XXXX was no longer in business within said county of XXXX XXXX and the State, Of California. This document was not mailed to the halls property thereafter the recording of this fraudulent document nor was it on record as of XX/XX/XXXX when both XXXX XXXX XXXX and XXXX XXXX XXXX visited the XXXX XXXX XXXX County Registrar office. This was the first time the XXXX made an appearance to do a property title search since owning and living on and in their home property of XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX. Now was any permission given for anyone to record such documents on the halls behalf during such time.\nIt is also stated that XXXX XXXX XXXX alleges that XXXX XXXX XXXX and XXXX XXXX XXXX recorded alleged said deed of trust on XX/XX/XXXX. This is completely false. Further more as stated on 99 % of mortgage assignments there is an amount owed to the assignee rather on the alleged assignment there is no amount recorded. I believe its is due to no amount recorded therein there is no amount owed.\nSince this alleged loan was created, to avoid and hide the investment funds XXXX XXXX was CUSIP Number CUSIP # XXXX worth $ XXXXMillion maturity dateXX/XX/XXXX, originated XX/XX/XXXX. The final maturity date for this investment is XX/XX/XXXX. Therefore XXXX XXXX XXXX [ XXXX XXXX ] owner and CEO of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is the only recipient of said funds. Therefore the issue at hand is the alleged mortgage loan created documents, DEED Title instrument used to create illusion of the actual funds of CUSIP NUMBER CUSIP # XXXX. This is the issue at hand.\nMore over we have emails from JPMorgan Chase that indicates other forgeries that of family members and former friends or associates. The documents are doctored up some are newly created and are nothing but a false representation of banking should be to and for the people.\nThe fraudulent mortgage assignment was created 10 years after JPMorgan Chase Bank alleges to have acquired the note from XXXX XXXX XXXX dba XXXX XXXX XXXX thereafter alleged acquisition by WaMu. JPMorgan also contradicts itself by stating that they acquired the loan from WaMu XX/XX/XXXXa letter sent XX/XX/XXXX, and again inXX/XX/XXXXin form of another letter this year XX/XX/XXXX.\n2 BOND XXXX Bill Of Exchange Act 34 of 1964 [ Assented to XX/XX/XXXX1964 ] [ Date Of Commencement : XX/XX/XXXX 1964 ] ( XXXX text signed by the State President ) as amended by Suretyship Amendment Act 57 of 1971 Bills of Exchange Amendment Act 58 of 1977 Finance Act 77 of 1986 Bills of Exchange Amendment Act 56 of 2000 Act. To consolidate and amend the law relating to bills of exchange, cheques and promissory notes.\nAttn. XXXX XXXX XXXX homeowner liaison XXXX XXXX XXXX and XXXX XXXX XXXX Nominee Secretary Beneficiary XXXX etc, .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Corporate number - XXXX DissolvedXX/XX/XXXX, please advise how is it possible to file a corporate title lien when this corporation was dissolved as of XX/XX/XXXX and agains in Michigan via Delaware as of XX/XX/XXXX? XXXX XXXX XXXXXX/XX/XXXX company type is XXXX XXXX. Company Number assigned to this business is XXXX and state of formation is DE. This company business address is XXXX XXXX XXXX XXXX XXXX XXXX De XXXX. Mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX You can find this business by geo coordinates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are no public or private records of any agents or officers of this alleged corporation and its dealings at this time.\nXXXX XXXX XXXX was incorporated on Monday XX/XX/XXXX, so this company age is twelve years, two months and twenty-eight days. Current company status of this company is Forfeited. XXXX XXXX XXXX agent is XXXX XXXX XXXX XXXX XXXX Of Md.. According to Maryland business register this business is not in good standing.\nDefinitions 46. Notice of dishonor and effect of falter to five such notice subject to the provisions of this Act, if a bill has been dishonored by non-acceptance or by nonpayment, notice of dishonor must be given to the drawer and each endures, and any drawer of endorser to whom such notice is not given is discharged : Provided that ( a ) if a bill is dishonored by a non-acceptance, and notice of dishonor is not given, the right of the holder in due course who became such a holder subsequent to the omission, shall not be prejudiced by the omission ; ( b ) if a bill is dishonored by a non - acceptance, and due notice of dishonor is given, it shall not be necessary to give notice of a subsequent dishonor by nonpayment, unless the bill was accepted in the meantime.\n1. Proof of the existence of an account of the actual establishment of debt account but the actual Sentient human XXXX XXXX XXXX duly signed and written out by both parties and not any unilateral agreement. This would include but not limited to the actual agreement upon which the signature page has direct reference to the entire agreement XXXX XXXX XXXX is an artificial entity, a title, of the limited liability fictitious corporation which is legal trade mark, which constitutes valuable legal interest of which all right, title and interest are reserved and of which you have filed to knotty the Caretaker and acceptance agent and supply proof of claim against the limited liability corporation.\n2. Proof of claim that You XXXX XXXX or Department Of Education are the original holder in due course, of the aforementioned original debt instrument, and that it is not being un-sold to another party.\n3. A copy of the actual accounting, original ledger whereby XXXX XXXX/ Department of Education has incurred a loss as a result of the alleged debt.\n4. An invoice ( not a Statement ), for any amount of money allegedly owed to XXXX XXXX or Department of Education XXXX XXXX XXXX for that matter has alleged.\n3 BOND XXXX 5. Proof of claim that there is any money in circulation is backed by anything of value, by which any debt including this one that lends to the possibility XXXX XXXX or Department of Education might get paid by way of actual money, and that the value of the attached is not sufficient to the discharge this debt under the following laws ; Fair debt collection practices act ( FDCPA ), 15 U.S.C 1692 et., 1978 Title VII of the Consumer Credit Protection Act of 1978.\nThe Indentured Trust Act of 1939 HJR 192, 112 Statutes at large 48, and P.L., 73.10 of 1933 The securities exchange act of 1934 The fair credit reporting act public law No. 91-508 enacted in 1970 The Bankruptcy act of 1933 12 U.S.C. 411, P.L. 97-280 U.C.C. 1-103, 1-308, 2-221, 2-104, 3-415-419, 3-500-510 The aforementioned was done at the will of The administrator, no further solicitation for contracting will be permitted. This correspondence is produced under the full reservation of any and all secured rights, and without recourse. All patients shall be presented to the Estate via prepaid debit card and or cashiers check only! If any attempt is made to provide payment in any other fashion and or form we must express that is must comply with title 12 U.S.C. 411, and 112 statute at large chapter 48.\n6. Also provide these furt\nher items if associated with this matter in any fashion and or form ... A. Federal Reserve form S3\nregistration statement, B. Federal Reserve form 424 ( b ) ( 5 ) prospectus, C. Federal Reserve for FR 2046 balance sheet ( s ), D. Federal Reserve for FR 2049 balance sheet ( s ), E. Federal Reserve form 2099 balance sheet ( s ), F. The Deed Of Trust.\nG. Chain Of Custody This is al lawful request in accords with the aforementioned and the following : U.C.C. - Article 3 - Negotiable Instruments.. Part 5. Dishonor UCC 3-501. Presentment.\nPursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.\nU.C.C. - Article 3 - Negotiable Instruments .. Part 5. Dishonor 3-501. Presentment.\nA.\nB.\nPresentment means a demeaned made by or on behalf of a person entitled to enforce an instrument ( i ) to pay the instrument made to the drawee or a party obligated to pay the instrument or, in the case of a note or accepted draft payable at a bank, to the bank =, or ( ii ) to accept a draft made to the drawee.\nThe following rules are subject to Article 4, agreement of the parties, and clearing - house rules and such the like : ( 2 ) Upon demand of the persons to whom presentment is made, the person making presentment must ( i ) exhibit the instrument, ( ii ) give reasonable identification and, if presentment is made on behalf of another person, reasonable evidence of authority to do so, and ( iii ) signed a receipt on the instrument for any payment made or surrenderer the instrument in full payment is made.\nBy refusing to supply you will be violating the law and my rights under UCC. Once Again this is not a request for a verification or proof of my mailing address, but a request for a VALIDATION made 4 BOND XXXX pursuant to the above named Title and Section ( as well as another laws both federal and local ). It is respectfully requested that your offices provide competent evidence that there is any legal obligation to pay in accords with the aforementioned laws.\nPlease provide and or furnish the following : What money your say owed is ; Explain and show how your offices calculated what allegedly is owed ; Provide a certified copy of the original signed instrument that shows agreement to pay what is owed ; Provide a verification or certification copt of any judgement of applicable ; Identify the original creditor in this matter and the contractual agreement emptying your company.\nProof that the statute of limitation has not expired on this account Show that your licensed to collect in the state of California Provide verification of your license number EIN and registration agent.\nIt comes of necessity and obligation to inform you that if your offices have reported information to any of the credit agencies such action will be construed as fraud under both Federal and State Laws. Further if any negative marks are found on any portion of the credit files associated with this matter by your company or the company that you represent it will come necessary to bring legal action against you for the following : Violation of the Fair Debt Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and may include any of the following means ; administrative reviews, SEC Hearing, Lien and or Law suit.\nIf you and your offices are able to provide the proper documentation ( originals wet signatures and or certified copies of verified documents with signatures and a copy of check payments etc, .. and such the like of all verified documents ) as requested in the forgoing Declaration, it will revive a prompt response, however at least 45 days will be needed to investigate and review the validity of the information prove and during such time all collection activity is requested cease and desist in good faith.\nFurther during this validation period, should any action be undertaken which could be construed as detrimental to any portion of the credit files related hereto, it will constitute a breach and will result in consultation with legal counsel and action thereafter. This includes any listing of any information to any credit reporting repository that could be inaccurate or invalid or verifying an account as accurate when in the there is no certified valid proof that is it so.\nIt is further requested, and you are now given notice that any alleged or old contract ( s ) adhesion and or otherwise are hereby terminated with your company. That n communication via telephonic, email or the correspondence, written correspondence, and or electronic as such shall be had between your company XXXX XXXX US Dept Of Education and a client, you are hereby commanded and ordered to cease and desist. Your or your company must communicate via written correspondence only to the following address under the following name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA [ XXXX ] and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA [ XXXX ]  BOND XXXX The aforementioned was done at the will of the administrator, no further solicitation for contracting will be permitted. This correspondence is produced under the full reservation of any and all secured rights, and without recourse. All payments shall be presented to the Estate via prepaid debit card and or money order cashiers check only if an attempt is made to provide payment in any other fashion and or form we must express that it must comply with title 12 USC 411, and 112 statue at age chapter 48.\nREF : Your correspondence purporting to allege a debt claimed by : XXXX XXXX XXXX d.b.a XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA [ XXXX ] EIN?\nBOND Loan Number XXXX Alleged Balance {$460000.00} Attn. XXXX XXXX XXXX Nominee Secretary Beneficiary XXXX XXXX, ..\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Corporate number - XXXX DissolvedXX/XX/XXXXJPMorgan Chase Bank & Co NA attn. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY [ XXXX ] XXXX XXXX XXXX XXXX Attn. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL [ XXXX ] [ XXXX ] XXXX XXXX XXXX The legal offer to fully Discharge the attached alleged claim of debt on the condition that the claiming parties comply with this notice within 10 days of receipt of this correspondence such has not happened.\nNOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS *******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Title 15 1601 et. seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq.\nThis notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt.\nThis notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : The name and address of the organization or other governmental unit alleging a debt ; 6 BOND XXXX The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; A copy of a alleged promissory note that has been forged is not verification. Both signatures from both sides are a true verification of a debt.\nThe name of the actual creditor even if that is myself ; The origin of the funds used to create this alleged claim of a debt.\nThe actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.\nThe actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.\nThe actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.\nBe advised that verification is defined ( XXXX Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.\nThe actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.\nThe actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.\nThe person that prepares and swears to the validation of debt must describe : ( 1 ) your job description on a daily basis ; ( 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; ( 3 ) how long have you been in your position ; ( 4 ) when did you first come in contact with the alleged account/debt ; ( 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; ( 6 ) are you the person/employee who regularly works with the alleged account/debt ; and ( 7 ) do you have personal knowledge about the alleged debt and/ or any alleged account.\n15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.\nPursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements 7 BOND XXXX of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.\nThis is a constructive notice that, absent the validation of your claim within 10 days, you must cease and desist any and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work.\nYou are further prohibited from contacting any other third party. Each and every attempted contact, in violation of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.\nFurther, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.\nPlease take notice that this is a criminal investigation of the business practices of the above named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws.\nYour enclosed claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 471, 472, 473 and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 Fictitious Names.\nTAKE NOTICE Debt Collectors failure in providing Respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : Debt Collector has no lawful, bona fide, verified claim, re the above-referenced alleged account : Debt Collector waives any and all claims against Respondent and Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any and all continued collection attempts, re the above-referenced alleged account.\nFailure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice is a self executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to 8 BOND XXXX direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type.\nAs requested for payment ( s ) be in the form of a money order, in keeping with the governing regulations, laws, and loan agreements, this form of payment is expectable that which in the regarding format within laws and states regulate, as mentioned in the letter XX/XX/XXXX by or from XXXX XXXX Manager - Customer Care Communications, XXXX XXXX XXXX XXXX XXXX XXXX.\nThis response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX\nDone this XX/XX/XXXX I declare under penalties of perjury in accordance with the laws of the United States of America ( without the United States ) Title 28 U.S.C. 1746 ( 1 ) the forgoing is true and correct and is admitted when not rebutted, so help me.\nXXXX XXXX XXXX ChaseXXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX-XXXX","date_sent_to_company":"2017-10-04T14:02:09.000Z","issue":"Closing on a mortgage","sub_product":"Other type of mortgage","zip_code":"93536","tags":null,"has_narrative":true,"complaint_id":"2647417","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-08-11T17:05:48.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Proof of claim that You XXXX XXXX or <em>Department</em> Of Education are the original holder in due course, of the aforementioned original debt instrument, and that it is not being un-sold to another party.\n3. A copy of the actual accounting, original ledger whereby XXXX XXXX/ <em>Department</em> of Education has incurred a loss as a result of the alleged debt.\n4."]},"sort":[4.2835054,"2647417"]},{"_index":"complaint-public-v1","_id":"7704178","_score":3.8327556,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX has failed to provide me with an opt out notice. The reporting agencies are not affiliated with XXXX XXXX. Each reporting makes a financial gain from reporting this consumer account. Each company has to provide me the consumer with an opt out notice. Furthermore I can not be late on an open end consumer plan. XXXX Form of opt out notice to consumers ; opt out methods. \n( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under 248.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.\n\n( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 248.6 ( a ) ( 2 ) and ( 3 ) and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.\n\n( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.\n\n( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.\n\n( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer.\n\n( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 248.4.\n\n( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice after the initial notice in accordance with 248.4, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically.\n\n( d ) Joint relationships.\n\n( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer.\n\n( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately.\n\n( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers.\n\n( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction.\n\n( 5 ) Example. If John and Mary have a joint brokerage account with you and arrange for you to send statements to John 's address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to John 's address, but you must accept an opt out direction from either John or Mary ; ( ii ) Treat an opt out direction by either John or Mary as applying to the entire account. If you do so, and John opts out, you may not require Mary to opt out as well before implementing John 's opt out direction; or ( iii ) Permit John and Mary to make different opt out directions. If you do so : ( A ) You must permit John and Mary to opt out for each other.\n\n( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ).\n\n( C ) If John opts out and Mary does not, you may only disclose nonpublic personal information about Mary, but not about John and not about John and Mary jointly.\n\n( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.\n\n( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.\n\n( g ) Duration of consumer 's opt out direction.\n\n( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.\n\n( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship.\n\n( h ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 248.9.\n\n( i ) Model privacy form. Pursuant to 248.2 ( a ) and appendix A to subpart A of this part, Form SP meets the notice content requirements of this section.\n\n( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.\n\n( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.\n\n( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.\n\n( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.\n\n( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).\n\n( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.\n\n( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.\n\n( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.\n\n( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.\n\n( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\n( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.\n\n( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.\n\n( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.\n\n( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).\n\n( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.\n\n( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.\n\n( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.\n\n( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.\n\n( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.\n\n( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.\n\n( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.\n\n( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.\n\n( e ) Treatment of complaints and report to Congress ( 1 ) In general The Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved.\n\n( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ).\n\n( 3 ) Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection.\n\n( 4 ) Rulemaking authority The Commission1 may prescribe regulations, as appropriate to implement this subsection.\n\n( 5 ) Annual report The Commission1 shall submit to the Committee on Banking , Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives an annual report regarding information gathered by the Bureau under this subsection.\n\n( f ) Reinvestigation requirement applicable to resellers ( 1 ) Exemption from general reinvestigation requirement Except as provided in paragraph ( 2 ), a reseller shall be exempt from the requirements of this section.\n\n( 2 ) Action required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within 5 business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices.\n\n( 3 ) Responsibility of consumer reporting agency to notify consumer through reseller Upon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( 2 ) ( A ) the notice by the consumer reporting agency under paragraph ( 6 ), ( 7 ), or ( 8 ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( 8 ) ( A ).\n\n( 4 ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly.\n\n( g ) Dispute process for veterans medical debt ( 1 ) In general With respect to a veterans medical debt, the veteran may submit a notice described in paragraph ( 2 ), proof of liability of the Department of Veterans Affairs for payment of that debt, or documentation that the Department of Veterans Affairs is in the process of making payment for authorized hospital care, medical services, or extended care services rendered to a consumer reporting agency or a reseller to dispute the inclusion of that debt on a consumer report of the veteran.\n\n( 2 ) Notification to veteran The Department of Veterans Affairs shall submit to a veteran a notice that the Department of Veterans Affairs has assumed liability for part or all of a veterans medical debt.\n\n( 3 ) Deletion of information from file If a consumer reporting agency receives notice, proof of liability, or documentation under paragraph ( 1 ), the consumer reporting agency shall delete all information relating to the veterans medical debt from the file of the veteran and notify the furnisher and the veteran of that deletion.","date_sent_to_company":"2023-10-16T23:11:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30132","tags":null,"has_narrative":true,"complaint_id":"7704178","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-10-16T23:11:44.000Z","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 information incorrect"},"highlight":{"complaint_what_happened":["reports on a <em>regular</em> basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate <em>compliance</em> with this subsection"]},"sort":[3.8327556,"7704178"]},{"_index":"complaint-public-v1","_id":"16860876","_score":2.798479,"_source":{"product":"Mortgage","complaint_what_happened":"Im filing this complaint regarding Fifth Third Bank 's severe and systematic mishandling of my mortgage account, including : - * * False late payment reports * * to credit bureaus despite payments clearing my bank - Denial of refinancing opportunities XXXX, preventing me from escaping my XXXX XXXX interest rate & XXXX  year term, and costing me thousands in continued excessive interest - Harassment, false accusations, and abusive treatment * * by representatives at all levels, including the Office of the President - false accusations about payment history - Admission of error in a XX/XX/XXXX letter, followed by continued false credit reporting and abuse - XXXX based on past payment history * * resulting from XXXX XXXX and financial abuse I have XXXX recorded phone conversations documenting Fifth Third 's contradictory statements, harassment, abusive, judgemental and misinformation. I am a XXXX XXXX person living on Social Security, and Fifth Third 's conduct has caused severe financial, emotional, and health-related harm. \n\nDETAILED TIMELINE OF EVENTS XX/XX/XXXX : Unable to Make Payment Despite Repeated Attempts I attempted repeatedly to make my XX/XX/XXXX mortgage payment through Fifth Third 's mobile app and by phone. The system would not allow the payment to go through. \n\nI called customer service multiple times and was consistently told my account was \" in good standing '' and \" all caught up. '' No representative could explain why I couldn't make a payment, but all insisted everything was fine and I shouldn't worry. \n\nXX/XX/XXXX : The app finally allowed me to make XXXX payment and I tried to pay extra but being I'd never used the app before to make a payment it was a bit confusing when trying to pay extra. But I managed to pay {$1000.00} which my normal amount is {$990.00}. I tried making XXXX payments but the app was wanting me to place different amounts in each box and it just wasnt working for me. And of course after you've repeatedly been told your all caught up it did make me start to believe it. I mean who wouldn't want towhich I immediately submitted. Based on my inability to pay in XXXX despite repeated attempts, I believed this payment was being applied to XXXX ( due XX/XX/XXXX ). \n\nXX/XX/XXXX : Planning to Refinance Mortgage interest rates had dropped significantly. After maintaining a full year of on-time payments- recovering from financial difficulties in XXXX caused by XXXX XXXX where I was not allowed to work and lost substantial income - I was finally ready to refinance. \n\nMy current mortgage terms : - Interest rate : XXXX XXXX - Term : XXXX years - Monthly payment : {$990.00} - Amount going to principal : Only {$38.00} per month This mortgage is financially devastating. I desperately needed to refinance to a lower rate to afford my home and access equity for necessary repairs. \n\nXX/XX/XXXX - FIRST CONTRADICTORY LETTER : I received a letter dated XX/XX/XXXX, stating I was in DEFAULT and could not make additional payments beyond my regular payment amount. They returned a check to me for {$27.00} ( the extra amount I had attempted to pay above my regular {$990.00} payment ). \n\nCRITICAL PROBLEM : How could I be in default on XX/XX/XXXX when : - My XX/XX/XXXX payment was intended for XXXX ( due XX/XX/XXXX ) - Mortgage grace periods typically extend to the XXXX of the month - Even if they were claiming the payment bounced, it wouldn't be XXXX  days past due until XX/XX/XXXX - They were already declaring me in default before XXXX  days had elapsed This letter made no sense given the timeline. \n\nXX/XX/XXXX : First Refinance Denied XXXX XXXX XXXX : I had begun the refinancing process with XXXX. Before proceeding, I called Fifth Third multiple times to confirm my account was in good standing. Every representative confirmed my account was fine. \n\nBased on these confirmations, I began the process of paying for a required property appraisal. I had paid approximately {$500.00} for this appraisal to move forward with the refinancing process. \n\nXX/XX/XXXX - Refinance Denied : XXXX pulled my credit report and informed me that Fifth Third had reported : - My payment made XX/XX/XXXX was returned for insufficient funds on XX/XX/XXXX - I was being reported as XXXX  days past due - My refinance application was DENIED I was devastated. The opportunity to escape the XXXX  % interest rate was gone. \n\nTHE PAYMENT DID CLEAR MY BANK The payment of {$1000.00} made on XX/XX/XXXX, absolutely cleared my bank account. I have proof : - Chime bank statements showing the payment cleared - My Social Security benefits were deposited the day before the payment ( XX/XX/XXXX ) - My monthly income exceeds my mortgage payment - I had sufficient funds in my account - Chime bank has confirmed. the payment cleared and was never returned Fifth Third 's Response to My Evidence I immediately began requesting investigations and providing proof that the payment cleared. Fifth Third 's response was to : XXXX. Reject My Bank Statements They claimed my XXXX bank statements were \" unsatisfactory '' because XXXX doesn't show a running balance after each transaction. \n\nThis is absurd. XXXX statements are legitimate legal documents that show : - Beginning balance - All transactions with dates and amounts- Ending balance This is standard for many online banks and is MORE than sufficient proof. XXXX  statements are accepted for mortgages, loans, and legal proceedings every day. \n\nXXXX. The XXXX-Way Call Incident - False Accusations of Fraud Because Fifth Third rejected my bank statements, I arranged a * * XXXX-way conference call. with a XXXX bank representative to verify the payment cleared. \n\nDuring the call, the XXXX  representative :- Confirmed directly to the Fifth Third representative that the payment cleared my account - Provided the account balance before the transaction - Provided the account balance after the transaction - Verified the payment was processed successfully- Confirmed the payment was never returned for insufficient funds After the XXXX  representative hung up, the Fifth Third representative : - Accused me of making up the XXXX  representative - Claimed I probably \" paid someone to act like a XXXX  representative '' - Called me a liar repeatedly - Continued to insist the payment didn't clear despite just hearing direct verification from my bank This was humiliating, degrading, and abusive. I have never been treated this way by any financial institution. To be accused of fraud and fabricating evidence- when I was simply trying to prove a payment cleared- was devastating. \n\nThis representative was profiling me. Because I had late payments in XXXX ( due to XXXX XXXXXXXX and financial abuse ), they had categorized me as a liar and a cheat who couldn't be trusted, regardless of evidence. \n\nXX/XX/XXXX : Investigation Response With New Contradictions After XXXX formal investigation requests, I finally received a response dated XX/XX/XXXX. \n\nThe XX/XX/XXXX letter claimed : - I made XXXX payments in XX/XX/XXXX ( both applied to my account ) - This is why I was unable to make XXXX 's payment - Payment of {$990.00} \" received XX/XX/XXXX, and applied to XX/XX/XXXX, due date '' - \" This payment was reversed due to insufficient funds on XX/XX/XXXX '' - Next payment due : XX/XX/XXXX Multiple problems with this explanation : XXXX. I did NOT make XXXX payments in XXXX XXXX I have bank statements proving I made XXXX XXXX payment XXXX. The payment date changed - originally they said XX/XX/XXXX, now they're saying XX/XX/XXXX XXXX. The NSF return date doesn't make sense - banks don't take nearly a month to report insufficient funds. A payment attempted XX/XX/XXXX would not be reported as NSF on XX/XX/XXXX XXXX. XXXX confirmed the payment cleared- it was never returned for any reason XXXX. If I had made XXXX payments in XXXX and had all these problems, I would have remembered when calling in XXXX - I would have immediately understood why I couldn't make a XXXX payment XXXX - XX/XX/XXXX : Delay Tactics I received multiple letters from XXXX XXXX, XXXX XXXX XXXX XXXX, all stating they were \" researching '' my complaint and would respond within XXXX days. \n\nEach letter just delayed resolution without actually investigating or addressing the issues. They were clearly stalling. \n\nLetters received : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX All said essentially the same thing : \" We're still researching, we'll respond soon. '' XX/XX/XXXX : The Story Changes Completely ( Unsigned Letter ) While organizing all my correspondence, I discovered an unsigned, undated letter dated XX/XX/XXXX, with a completely different explanation than anything they had told me before. \n\nThis XX/XX/XXXX letter claimed : - I attempted a payment on XX/XX/XXXX which was returned on XX/XX/XXXX for insufficient funds - I made another payment on XX/XX/XXXX which did clear - Next payment due : XX/XX/XXXX for {$990.00} This timeline is IMPOSSIBLE and contradicts their previous explanations : XXXX. No bank takes XXXX months to return a payment for insufficient funds- XX/XX/XXXX to XX/XX/XXXX is 71 days. NSF returns happen within days, not months. \n\nXXXX. I contacted XXXX about this claim- they confirmed NO payment was attempted on XX/XX/XXXX, and no payment was returned on XX/XX/XXXX XXXX. I had sufficient funds in my account on XX/XX/XXXX - if a payment had been attempted, it would have cleared XXXX. This contradicts their XXXX letter which said the problem was a XXXX XXXX payment returned XX/XX/XXXX XXXX. The transaction history Fifth Third attached to this letter STILL shows the XXXX payment as \" unapplied '' - contradicting their own new explanation XXXX. This letter was unsigned and appeared to have no official signature- I found this very odd The letter also stated Fifth Third had reviewed credit reporting for my mortgage loan and : - \" determined that there were not reported delinquent for any payments in XXXX as of XX/XX/XXXX '' - Contact information was provided for credit reporting agencies This seemed to indicate they were acknowledging no delinquencies should be reported for XXXX. \n\nXX/XX/XXXX : Past Due Notice I received a notice dated XX/XX/XXXX, stating my account was past due in the amount of {$1000.00}, which included : - Payment : {$990.00} - Late Charges : {$41.00} - Fees : {$0.00} - Total due : {$1000.00} The notice warned about the delinquency being serious and potentially resulting in loss of my home. \n\nXX/XX/XXXX : Fifth Third Admits Error - THE SMOKING XXXX This is the most important document in my case. \n\nI received a letter dated XX/XX/XXXX, with the subject line : \" Your Missing or Misapplied Mortgage Payment Has Been Posted '' The letter stated : \" In response to your recent inquiry regarding a missing or misapplied mortgage loan payment, we wish to confirm that we have posted your payment ( XXXX ) according to your instructions. Please note that if any late fees were assessed as a result of this issue, these charges have been waived. Additionally, we have provided credit to your account in our bureau correction, if applicable. '' The letter apologized for any inconvenience and thanked me for choosing Fifth Third Bank. \n\nWhat this letter meant to me : Given the context of fighting for months about the XX/XX/XXXX payment that showed as \" unapplied '' on all transaction records, I reasonably understood this letter to mean : XXXX. They had located the disputed payment ( XX/XX/XXXX payment for {$1000.00} ) XXXX. They had applied it correctly to my account XXXX. They waived any late fees that had been assessed XXXX. They corrected my credit bureau reporting XXXX. My account was now current and in good standing The language is clear and unambiguous : \" missing or misapplied mortgage loan payment ... posted '' and \" bureau correction '' provided. \n\nAny reasonable person would interpret this letter the same way. After months of fighting about a payment they claimed didn't clear ( but did ), receiving confirmation that the \" missing or misapplied payment has been posted '' would lead anyone to believe they were now current. \n\nXXXX XXXX XXXX : Payment Made During Family Emergency XX/XX/XXXX ( Friday ) - Veterinary Emergency : On Friday morning, XX/XX/XXXX, my service dog woke up jaundiced ( yellow ). She was my best friend in the whole world and critical to my daily functioning as a XXXX person. \n\nI immediately took her to the emergency veterinarian and spent the entire day there. She was diagnosed with acute XXXX failure. \n\nI would have made my mortgage payment that day, but I was dealing with a life-threatening medical crisis with my service dog. \n\nXX/XX/XXXX ( Saturday ) : Despite the devastating diagnosis and emotional trauma, I made my mortgage payment the very next day- XX/XX/XXXX. The payment was {$990.00}. \n\nBased on the XX/XX/XXXX letter confirming my missing payment was posted, I believed I was current on my account and this XX/XX/XXXX payment was for XXXX ( due XX/XX/XXXX ). \n\nXX/XX/XXXX ( Tuesday ) Because XX/XX/XXXX was a Saturday and XX/XX/XXXX ( Monday ) was XXXX XXXX, the payment didn't post to my account until Tuesday, XX/XX/XXXX. \n\nThis was well within any standard mortgage grace period, which typically extends until the XXXX or XXXX of the month. A payment posting on XX/XX/XXXX for a XX/XX/XXXX due date should never be considered late. \n\nI ultimately had to euthanize my beloved service dog due to her XXXX failure. This was XXXX of the most difficult experiences of my life. As a XXXX person, losing my service dog meant losing my independence and daily support. \n\nXX/XX/XXXX : Second Refinance Denied - Abuse From Representatives Interest rates had dropped again, even lower than in XXXX. XXXX contacted me to restart the refinancing process since rates were now very favorable and my previous appraisal was still valid for XXXX year. \n\nXXXX informed me that Fifth Third was reporting my XXXX payment as XXXX  days past due. \n\nMy refinance was DENIED for the XXXX  TIME. \n\nI was shocked and immediately called Fifth Third on XX/XX/XXXX. \n\nThe XX/XX/XXXX representative : * * - Claimed the XX/XX/XXXX letter \" must have referred to payments from XXXX '' - This makes no sense - the letter was clearly in response to my ongoing XXXX dispute and said \" in response to your recent inquiry '' - Called me \" white trash '' - Called me a liar repeatedly - * * Made derogatory comments about my intelligence - Said it was \" very simple '' and I was too ignorant to understand- Showed absolutely no empathy when I explained about my service dog 's emergency - Likely thought I was lying about the veterinary emergency What makes this even worse : Just XXXX days after this abusive call, I found the XX/XX/XXXX letter in my paperwork. That letter indicated Fifth Third had already determined the payment went through and there were no delinquencies in XXXX. \n\nThis means on XX/XX/XXXX, they were arguing with me and calling me abusive names about a payment they had already confirmed cleared in their own XX/XX/XXXX letter. \n\nThey were either : - Knowingly lying to me, or - So disorganized they didn't know what their own investigation found Either way, it's unconscionable. \n\nWhen I tried to explain the veterinary emergency on XX/XX/XXXX : - I explained my service dog became critically ill- I explained I was at the emergency vet all day XXXX - I explained I made the payment the very next day despite this crisis - I explained the Labor Day weekend delayed posting The representative showed absolutely no empathy and treated me like I was making excuses. This is consistent with their pattern of accusing me of lying about everything, even when I have documentation. \n\nI have complete veterinary records documenting : - The XX/XX/XXXX emergency visit with timestamps - The diagnosis of acute XXXX failure - Subsequent treatment attempts- The decision to euthanize- All medical records and bills XXXX - XX/XX/XXXX : Office of the President - No Resolution I escalated to the Office of the President and spoke with someone named \" Al. '' Al from the Office of the President : - Stated they can not change credit reporting if a payment came in late, \" regardless of circumstances '' - Argued with me in a recorded conversation - Tried to make me sound stupid - Made up explanations that were ridiculous - Showed the same dismissive, condescending attitude as other representatives The abuse and dismissal go all the way to the top of their organization. \n\nEven the Office of the President - supposedly the final escalation point - treated me like a liar who doesn't understand basic banking, despite : - The XX/XX/XXXX letter clearly stating my missing payment was posted - The XX/XX/XXXX letter indicating no delinquencies in XXXX - Veterinary records proving my emergency - Bank statements proving payments cleared - XXXX recorded conversations documenting their contradictory information PATTERN OF MISCONDUCT AND VIOLATIONS XXXX. Contradictory and False Explanations Fifth Third has given multiple contradictory explanations for the same alleged problem : Version XXXX ( XXXX ) XX/XX/XXXX payment returned XX/XX/XXXX for NSF Version XXXX ( XXXX ) XXXX XXXX payments applied, XX/XX/XXXX payment returned XX/XX/XXXX for NSF Version XXXX ( XXXX ) XX/XX/XXXX payment returned XX/XX/XXXX for NSF, XX/XX/XXXX payment cleared Version XXXX ( XX/XX/XXXX ) Missing or misapplied payment has been posted, late fees waived, credit bureau correction provided Version XXXX ( XXXX ) XX/XX/XXXX letter was about XXXX payments ( contradicted by letter 's own language ) Throughout all versions : Transaction records contradict the explanations and continue showing different information XXXX. Impossible Timelines - XX/XX/XXXX payment returned XX/XX/XXXX = XXXX  days ( no bank takes XXXX months for NSF XXXX - XX/XX/XXXX payment returned XX/XX/XXXX = XXXX  days ( still unusually long ) - Declaring default on XX/XX/XXXX before XXXX  days had elapsed XXXX. Rejection of Valid Evidence and False Accusations - Dismissed legitimate XXXX  bank statements with fabricated excuse - Accused me of hiring an actor to impersonate a bank representative during three-way verification call - Called me a liar even after bank confirmed payment cleared - Refused to accept evidence that would clear up the issue - Treated documented proof as if it were fraudulent XXXX. Harassment, Abuse, and Discriminatory Treatment Representatives have : - Called me \" white trash '' - Repeatedly called me a liar - Made derogatory comments about my intelligence - Accused me of fraud and fabricating evidence - Shown no empathy for documented emergencies ( loss of service dog ) - Treated me with contempt and condescension at all levels, including Office of the President This treatment is discriminatory. Fifth Third has profiled me based on my XXXX payment history ( which was due to XXXX XXXXXXXX and financial abuse ) and decided I am : - A liar who can't be trusted - Someone too stupid to understand banking - A deadbeat who makes excuses- Not worthy of professional, respectful treatment My past payment difficulties were caused by circumstances protected under fair lending laws : - XXXX  XXXX - Financial abuse ( prevented from working ) - Loss of income due to abuse Treating me differently based on this history XXXX violate fair lending practices. \n\nXXXX. Systemic Disorganization - Different departments don't share information - Representatives at the Office of the President don't know what investigations found - Letters contradict each other - Transaction records don't match any explanation given - XX/XX/XXXX representative argued about a payment their XX/XX/XXXX letter confirmed cleared This isn't just individual errors- it's systemic dysfunction. \n\nXXXX. Admission of Error Followed by Continued Harm The XX/XX/XXXX letter is an explicit admission that : - There was a missing or misapplied payment - They posted it according to my instructions - Late fees were waived - Credit bureau correction was provided Yet after this admission : - They continued reporting me as late - They denied my second refinance - They subjected me to abuse - They claimed the letter was about something else entirely This is bad faith. You can not send a letter admitting error and correcting credit reporting, then claim the letter meant something different when it's convenient. \n\n\nRECORDED EVIDENCE I have XXXX recorded phone conversations with Fifth Third representatives documenting : XXXX. Contradictory information about my account status XXXX. Different explanations for the same alleged problems XXXX. Abusive language and false accusations XXXX. The three-way call with Chime where they accused me of fraud afterward XXXX. Representatives telling me my account is fine when it allegedly wasn't XXXX. Office of the President arguing with me and making up explanations XXXX. Dismissal of my documented veterinary emergency XXXX. Pattern of harassment and unprofessional conduct Michigan is a one-party consent state - these recordings are legal and admissible. \n\nI am willing to provide these recordings to the CFPB for review. They clearly demonstrate Fifth Third 's misconduct. \n\n-- - FINANCIAL HARM Direct Financial Losses : XXXX. Costs associated with refinancing attempts- Including appraisal fees paid when refinances were denied due to false credit reporting XXXX. Ongoing excessive interest payments- Trapped in XXXX  % interest rate when current rates are approximately XXXX  % or lower - Difference of XXXX  % + on my loan balance - Only $ XXXX going to principal at current rate - Losing thousands per year in excess interest XXXX. Late fees and charges- Assessed due to Fifth Third 's errors and misapplication of payments XXXX. Unable to access home equity - Need funds for : - Critical roof repairs- Debt consolidation - Other necessary home maintenance - Emergency expenses Future Financial Harm : XXXX. Can not refinance for another year - Due to false XXXX late reports on credit XXXX XXXX XXXX damaged for XXXX  years - False late payments will remain on credit report XXXX. XXXX be unable to purchase another home- If I need to sell due to inability to afford repairs, the credit damage may prevent me from buying another home XXXX. Continued financial instability - Unable to access equity, unable to lower payment, living on fixed XXXX income XXXX XXXX : XXXX. Severe emotional distress - Months of fighting, being judged &, accused of fraud XXXX. Health impacts - Stress during service dog 's illness and death, ongoing anxiety and XXXX XXXX. Loss of independence - As a XXXX person, losing my service dog during this ordeal compounded by inability to afford proper care due to financial stress XXXX. Time and resources - Countless hours on phone calls, writing letters, gathering documentation, filing complaints As a XXXX person on fixed Social Security income, I can not afford to : - Keep paying this excessive interest rate - Come up with an additional full payment they claim I'm behind - Continue losing equity in my home - Handle emergency repairs without accessing my home equity - Maintain my credit score for future housing needs - Endure continued harassment and abuse EVIDENCE I CAN PROVIDE I have extensive documentation of everything described in this complaint : Bank Records : XXXX. Complete XXXX  bank statements showing all payments cleared, including disputed XX/XX/XXXX payment XXXX. Statements showing sufficient funds at time of all payments XXXX. Statements proving I did NOT make XXXX XXXX payments Fifth Third XXXX : XXXX. XX/XX/XXXX letter declaring default and returning {$27.00} XXXX. XX/XX/XXXX investigation response with payment history XXXX. Multiple delay letters from XXXX XXXX, Office of the President ( XXXX XXXX ) XXXX. XX/XX/XXXX unsigned letter with impossible timeline and statement about no XXXX delinquencies XXXX. XX/XX/XXXX past due notice for {$1000.00} XXXX. XX/XX/XXXX letter : \" Your Missing or Misapplied Mortgage Payment Has Been Posted '' XXXX. All other correspondence from Fifth Third Transaction Records : XXXX. Transaction histories showing \" unapplied funds '' and contradictory information XXXX. Multiple versions of transaction histories with different information Refinance Documentation : XXXX. Denial letters from XXXX but can easily get them ( both attempts ) XXXX. Communication from XXXX about credit reporting issues Veterinary Records : XXXX. Complete veterinary records from XX/XX/XXXX emergency visit XXXX. Documentation of diagnosis ( acute XXXX failure ) XXXX. Records proving I was at emergency vet all day XX/XX/XXXX. Treatment records and euthanasia decision documentation XXXX. Veterinary bills showing dates and services Recorded Conversations : XXXX. XXXX recorded phone conversations with Fifth Third representatives. documenting : - Contradictory account status information - The three-way call with XXXX  and subsequent fraud accusations- Abusive language ( \" white trash, '' \" liar, '' etc. ) - Different explanations for the same problems - Office of the President call with \" Al '' - Dismissal of veterinary emergency - All dates, times, and representative names documented Documentation Notes : XXXX. Detailed notes from every phone call with dates, times, representative names, and what was said XXXX. XXXX of all events with supporting documentation I am prepared to provide all of this evidence to the CFPB. \n\n-- - LEGAL VIOLATIONS Fifth Third Bank 's conduct appears to violate multiple federal laws : XXXX. Fair Credit Reporting Act ( FCRA ) - Reporting false information to credit bureaus - Failing to investigate disputes properly - Continuing to report false information after confirming error ( XX/XX/XXXX letter ) XXXX. Real Estate Settlement Procedures Act ( RESPA ) - Failure to properly respond to qualified written requests - Failure to provide accurate account information - Mishandling of payment application XXXX. Fair Debt Collection Practices Act ( FDCPA ) - Harassment and abuse - False representations about payment history - Threatening loss of home based on false information XXXX. Fair Housing Act / Equal Credit Opportunity Act ( ECOA ) - Discriminatory treatment based on past payment history resulting from XXXX  XXXX - Treating borrower differently based on protected circumstances XXXX. Truth in Lending Act ( TILA ) / RESPA Servicing Rules- Failure to provide accurate payoff information - Misapplication of payments - Failure to properly credit payments WHAT I AM REQUESTING XXXX. Immediate Credit Reporting Correction - Remove all false late payment reports * * from my credit files with XXXX, XXXX, and XXXX  - Provide written confirmation that corrections have been made - Ensure no future false reporting occurs XXXX. Written Acknowledgment of Errors Fifth Third must provide a written statement acknowledging : - The XX/XX/XXXX letter confirmed a missing/misapplied payment was posted - Late fees were waived as stated in that letter - Credit bureau correction was to be provided as stated in that letter- I reasonably relied on this letter when making my XX/XX/XXXX payment - Any subsequent \" lateness '' resulted from their error, not mine - My credit reporting should reflect accurate payment history XXXX. Complete Payment History ( QWR under RESPA ) - Detailed accounting showing exactly how every payment has been received, applied, reversed, or held as unapplied - Explanation of all discrepancies in their records - Clarification of actual current account status XXXX. Financial Compensation A. Reimbursement of Direct Losses : - Costs associated with refinancing attempts that were denied due to false credit reporting, including appraisal fees XXXX. Compensation for Excessive Interest : - I have been trapped in a XXXX  % interest rate when I should have been able to refinance to approximately XXXX  % or lower- This represents XXXX  of dollars in excess interest per year - Compensation for the difference from XX/XX/XXXX to present, and ongoing until credit is corrected XXXX Reimbursement of Fees : - All late fees assessed due to Fifth Third 's errors - Any other fees or charges resulting from their mishandling XXXX. Investigation into Employee Conduct - Investigation of the representative who called me \" white trash, '' a \" liar, '' and accused me of hiring an actor - Investigation of all representatives who provided false information - Investigation of Office of the President handling of my complaints - Review of recorded conversations I can provide - Disciplinary action as appropriate - Training on professional conduct and fair treatment of borrowers XXXX. Systemic Compliance Review Fifth Third 's mortgage servicing practices require regulatory oversight : - Their record-keeping is clearly inadequate - Departments don't share information - Representatives at the highest levels don't know what investigations found - Their treatment of vulnerable borrowers violates multiple laws - Their handling of disputes is improper I am requesting the CFPB conduct a comprehensive review of Fifth Third 's : - Mortgage servicing practices- Payment application procedures- Dispute resolution processes- Employee training and oversight - Compliance with RESPA, FCRA, FDCPA, and fair lending laws XXXX. Opportunity to Refinance Given that both my refinance denials were due to Fifth Third 's false credit reporting : - Ensure my credit is corrected immediately - Provide a letter I can give to lenders confirming the late payments were reported in error - Allow reasonable time for credit corrections to be reflected before any new credit checks WHY THIS MATTERS I am a XXXX XXXX woman living on Social Security after escaping an XXXX relationship where I was not allowed to work and lost substantial income. \n\nI worked extremely hard to rebuild my credit and maintain perfect payment history for a full year so I could refinance this predatory mortgage and afford to keep my home. \n\nFifth Third Bank 's misconduct has : - Destroyed my credit for 7 years over payments that cleared my bank - Trapped me in an unaffordable XXXX  % mortgage with only $ XXXX going to principal - Denied me the ability to refinance XXXX  when rates dropped - Caused me to incur costs for refinancing attempts that were denied due to their false reporting - Prevented me from accessing equity for critical home repairs- Subjected me to harassment, abuse, and false accusations of fraud - Caused severe emotional distress during the loss of my service dog - Treated me as less than human based on past circumstances resulting from XXXX  XXXX The XX/XX/XXXX letter gave me every reason to believe that my account was caught up, and next payment due was XXXX payment","date_sent_to_company":"2025-10-29T01:11:29.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"49002","tags":null,"has_narrative":true,"complaint_id":"16860876","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2025-10-28T22:00:07.000Z","state":"MI","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["XX/XX/XXXX - FIRST CONTRADICTORY LETTER : I received a letter dated XX/XX/XXXX, stating I was in DEFAULT and could not make additional payments beyond my <em>regular</em> payment amount. They returned a check to me for {$27.00} ( the extra amount I had attempted to pay above my <em>regular</em> {$990.00} payment )."]},"sort":[2.798479,"16860876"]},{"_index":"complaint-public-v1","_id":"4430099","_score":2.6642728,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/XXXX, while parked at XXXX XXXX in XXXX SC, my vehicle was towed. I was parked in the order to go and told by an employee that I could not park there. I said that I would run in to order to go and leave in a short time. I entered the restaurant and ordered. About fifteen minutes later, I saw a tow truck. I saw a man hooking up the car to tow it away. I ran towards my car, and yelled for the guy to stop, but once he hooked up the car, he ran and jumped into the passenger side of the tow truck. I observed a red tow truck drive off with my car. I pursued the tow truck, and again yelled to the driver to stop the tow. But he continued to drive away with my car. I pursued the driver and asked him to stop saying he had no right to take my car. He then yelled out the window, Im doing what I was told. At no time did the tow drive identify himself or assert that he had the order or right to tow the vehicle. The driver sped through the parking lot where children and pedestrians were present. The driver breached the peace. Notably, there were two white men in the vehicle, but I was unable to identify them. I did not see any signs on the vehicle. I spoke with the Manager of the restaurant who denied that he called the tow. I also asked for video surveillance of the incident. I started calling tow companies hoping to locate the company that towed my car. I then called the police hoping the tow would be reported. XXXX XXXX Police said that the tow had not been reported and the driver had an hour to report. Meanwhile I continued to call the various tow companies, and told these tow companies had not towed the car. I called the police incessantly and told that the tow was not reported. After several hours I believed that car was stolen, and police believed the car was stolen, but delayed to file the police report, hoping the tow driver would report the tow. However, the tow driver never reported to the police. And on XX/XX/XXXX, Sunday, XXXX XXXX Police called me saying that it believed the car was stolen. The Police asked me to come to the Law Enforcement Center to make the report. But unfortunately, I was unable since I didnt have transportation. So, the detective asked permission to go outside city limits. The detective came to my home and I made a police report on XX/XX/XXXX. I also made a claim to my insurance company. On Monday, XX/XX/XXXX, I received a call from a XXXX XXXX detective who informed that he spoke with Santander. The Detective said that he googled the name of my lender and discovered that Gateway One Lending & Finance was acquired by Santander. The detective said Santander confirmed that it had my car, and that it had been repossessed. The detective gave me the name of the agent that he spoke with, and asked that I call. Also, asked me to confirm that Santander had the vehicle and call him so he could close out the stolen vehicle report. The Detective confirmed that the tow driver did not follow the law that required him to notify the police once they retrieved the vehicle. Also, the detective said that the police should have been informed of the repo order before the tow driver retrieved the car. Also, said the driver breached the peace in the restaurant parking lot, and consequently that tow was unlawful and should have been terminated. Per South Carolina State Law, XXXX, requires that all towed motor vehicles must be reported to the Chief or the Sheriff of the jurisdiction from which it was towed. The XXXX of XXXX records all notifications of towed motor vehicles and classifies them into 2 distinct categories, which include vehicles towed at law enforcement direction and vehicles towed at private party direction. Per Section XXXX, Any time a vehicle is towed by the towing company without the knowledge of the owner or person in possession of the vehicle, the TOWING COMPANY MUST NOTIFY the municipal police chief or sheriff in the countys unincorporated areas within one hour of moving the vehicle. The Detective gave the name of the Santander agent that he spoke with and the ID number. I called Santander and spoke with a different agent who was rude and condescending. She refused to tell me where my car was located, and angrily said that she was trying to collect a debt. I said I had not received any notice from her company. She said that vehicle had been repossessed and that I could only get the car by reinstating the loan. Also, the agent said that I only had until XX/XX/XXXX, to retrieve the car and after that date the car would be sold. I asked for the paperwork regarding this matter, and told that it would be sent. I asked that the notice of intent be sent email because of the time. Notably, Santander did not send a Notice Of Right To Cure Default letter as required by South Carolina. And when I inquired on XX/XX/XXXX, the agent claimed that a right to cure letter was sent on XX/XX/XXXX. However, on XX/XX/XXXX, the Reinstatement Agent, said that it was not required to send notice of right to cure. Also, on XX/XX/XXXX, I spoke with Santanders Executive Office and Reinstatement for several hours and both gave conflicting information regarding the account. Santander said per guidelines it was not required to send Notice of Right to Cure to South Carolina. Also said these notices are system generated and since a notice was not generated meant that Santander was not required by law to send it. On XX/XX/XXXX, I asked for statements regarding the account, and told that I could not get them since the account was charged off on XX/XX/XXXX. But when I spoke with the Executive Office on XX/XX/XXXX, I was initially told that it could not assess the records due to account being closed. But when I pressed the point the statements would have been archived, I was told by the agent that an internal department would have to authorize the release of these statements, and it would take 48 hours. The Agent confirmed the request and said that it would be sent by mail and email. The Agent also pressed that I had until XX/XX/XXXX to reinstate the loan, and wanted to know if I would go forward with the reinstatement. It is apparent that Santander is attempting to intimidate and pressure me to reinstate the loan on there terms. I told him I wanted and had the lawful right to inspect those documents before I moved forward. The bottom line, Santander did not provide a notice of right to cure as required by South Carolina. Also, the Executive Office said the account was past due after XX/XX/XXXX. And Santander reports the delinquency ten days later. So around XX/XX/XXXX or XXXX, the account would have been past due. South Carolina has specific rules governing when and how cars can be repossessed. South Carolina allows repossession when borrowers default. Typically, however, default means a person is 10 days late on a payment. At this point, the lender must send a Notice of Right to Cure informing the borrower that she has 20 days to bring the loan current to avoid repossession. South Carolina Legal Services, After the borrower is 10 days late on your payment, the lender must send a Notice of a Right to Cure in the mail, unless the lender is a credit union. This notice should give the borrower 20 days to repay what the borrower owes before the lender can take the car. If the borrower bring payments current, the default is cured. So, if the account became delinquent on XX/XX/XXXX, Santander was required to send the borrower a Right to Cure notice on XX/XX/XXXX. However, Santander failed to provide notice to the borrower. Notably, one agent claimed that Santander delayed to send the notice to cure because it wanted to work with the borrower. According to Consumer Protection Code 37-5-110, Pursuant to Code of Law of South Carolina, a Notice of Consumers Right To Cure MUST be sent to the borrower PRIOR to repossession ( regardless of the state of origin of the contract ) giving the borrower twenty days ( 20 ) days to cure the default ( Cited by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX SC XXXX ). Lenders have two repossession options in South Carolina. ( 1 ) filing a Claim and Delivery suit against the borrower, and ( 2 ) Self-help repossession, the lender can come and tow the vehicle from any location- - driveway, your workplace, the street or a parking lot. The only stipulation is that it must be done peacefully. South Carolina Legal Services : Lenders can use self-help and tow your car as long as it is a peaceful removal. The law allows the lender to use self-help in repossessing your car, but the law also requires that self-help be peaceful. If the owner tells the repo agent to stop, any further attempt to tow the car is not peaceful. If the repossession continues, the repo agents risk liability for wrongful possession. Also note that the repo agent failed to notify police, but said in his tow report that police were notified of tow. Also, repo agent falsely reported to XXXX XXXX XXXX and Santander that the vehicle was retrieved from XXXX XXXX XXXX at XXXXXXXX XXXX. But reported to his employer XXXX XXXXXXXX XXXX XXXX ) that the vehicle was retrieved from XXXX at XXXXXXXX XXXX, contradicting what he reported to XXXX XXXX XXXX and Santander. Notably, the repo agent did not provide an address for the restaurant, but gave the zip code XXXX, and said in his tow report that the car was retrieved within XXXX County jurisdiction. However, the car was retrieved within city limits, and the zip code for XXXX is XXXX. Notably, the repo agent failed to report that he breached the peace while taking the car, which explained why the repo agent failed to report the tow and incident to XXXX XXXX Police. Pushing, yelling, and getting in a fight with the owner of the vehicle would breach the peace. Or even continuing to repossess your vehicle after you told them to stop, qualifies as breach of peace. And once the repo agent breached the peace, he loses the right to take the car without a court order. You do not have to consent to the repossession of your car, do not use violence, but be persistent and politely tell the repo agent to leave your property. Also note the repo agent reported the retrieval to Santander on XX/XX/XXXX, but never reported the retrieval to XXXX XXXX Police. Also, if the car has already been repossessed, the lender ( Santander ) must send notice of Right to Redeem the car and notice of what the lender intends to do with car ( South Carolina Consumer Affairs ). I asked that Santander send the Notice of Intent, and was told the letter was generated on XX/XX/XXXX, and it could take several days to arrive. Also, the agent advise me to be mindful of the deadline XX/XX/XXXX, to reinstate the loan. I said that on XX/XX/XXXX, I asked for the Notice and told it would be sent regular mail. I asked if it could be sent via email, and the agent agreed to send it by way of email. The Agent asked and confirmed both mail and email address. But when I asked the Executive Office on XX/XX/XXXX, to send the Notice of Intent by email to save time, I was told that Santander was unable to do so. The Agent said their system would not allow them to send email. I noted that I received email regarding XXXX XXXX payment history on XX/XX/XXXX. Santander lies incessantly. Also, Note that Gateway One Lending did not have lawful title to car before it sold it to me on XX/XX/XXXX. Email communications with the owner XXXX XXXX XXXX of XXXX XXXX : you sold me a car that you did not have title to and then strung me along for two months and two payments totaling XXXX, not to mention car insurance and taxes in the amount of {$800.00}. Are you kidding me! State law requires dealers to actually have physical possession of the title. Please spare me that nonsense that you have three months to provide title when you did not have the title in your possession when I purchased this vehicle. So technically, the previous owner still had possession of the vehicle because you did not register title with CA DMV. However, on XX/XX/XXXX, you gave the appearance of registering the title with DMV but did not complete the application because you well knew that you did not physically hold title. I have paid two payments, insurance and taxes for a car that was still under the legal ownership of the previous owner. As stated previously, this nonsense has made me physically ill and I will not continue. I don't care about your situation like you don't care about mine. If you were honest you would not have sold me a car that you did not have physical title to, nor would you have led me to believe that you had title at the time of purchase. You either lied to or were complicit with the bank. I would not have purchased this vehicle on XX/XX/XXXX, if I had known that you did not have physical possession of title ( XX/XX/XXXX ). It's obvious by now that you are not going to do the right thing so you leave me no choice but to make a complaint with the State 's Attorney and DMV first thing Monday morning. I demand the return of money that I paid for a vehicle you sold that you did not have physical possession of title to. I checked with the State and was informed that the seller MUST have possession of title before selling a vehicle. On XX/XX/XXXX you sent me this text ( You had a good experience when I gave you a certified check in the amount of XXXX for a car that I can't register because you can't produce title,. It's amazing how you are trying to flip this and say that I am making a big fuss over nothing. Again, you should have waited to sell the car if you knew that there was issue with the title. Moreover, you should have informed me before I purchased the car that the title would be delayed thus there would have not been the false expectation that I would receive the title soon after purchase. It has been over eight weeks and still DMV has not received title. But, ( I suppose to trust that the title will be here Tuesday ), I won't believe until I see it. I've heard it all and I'm not impressed. I guarantee if the shoe was on the other foot, you would feel the same way. So, don't try to make me feel that I'm acting irrationally. This isn't personal, it's business! So, I'm not interested in sparing your feelings. ) and according to XXXX it was delivered to you as I stated. So why are you so upset? As far as being able to prove that I owned that car before I sold it to you I have all the paperwork to prove that ok. XXXX please understand I bought the car with my cash from the auction got the title and than put it on my credit line all prior to you purchasing it. This is a very common practice among dealers also upon getting you financed I sign a guarantee of title for the bank which completely protects you. I'm sorry you feel I don't care but that's simply not true and I do care about all my customers and there well being. I try to conduct myself in all aspects of my like to the highest standards. Would you be willing to accept XXXX in an agree to disagree kinda way? Please accept my sincere apology for any inconvenience I have caused you : ) I truly would love a scenario where you become happy and excited about your beautiful new car and your belief in me. If you feel you can truly accept my heartfelt apology ( XX/XX/XXXX, XXXXXXXX XXXX ). So what do you think XXXX?? Please don't be offended I'm just trying to come to a resolution : ) ( XX/XX/XXXX, XXXX XXXX ). How about XXXX than? ( XXXX XXXX, XXXX XXXX. ) Ok I'm sending XXXX today I want to be friends again please!! ( XX/XX/XXXX, XXXX XXXX ). What address do you want it to go to? ( XX/XX/XXXX, XXXXXXXX XXXX ). Please XXXX I want to get this resolved fairly in every way. ( XX/XX/XXXX, XXXX XXXX ). Gateway One Lending & Finance sent me the Title Your title and your parts have been sent to you I personally did it!! Your not being fair nor am I out of compliance in anyway shape or form. Why in the world would you think for one minute you've been defrauded in anyway?? In the state of California it can take up to 90 days for the title work to be completed that's the law which in no way have we exceeded that. Now I don't want to argue fuss or fight so please relax and if you don't have your title work done by at least Tuesday than you can proceed to destroy my good name and reputation if it makes you feel better ok. I'm a good guy and we have an honest business we are not out to deceive anyone in anyway .. XXXX we have had a good experience up until now please let 's choose to be kind and thoughtful toward each other. I'm 100 % confident you'll have all you need to go register your car at your local DMV and please make sure they list Gateway One Lending and Finance as the lein holder of record ( The Bank Your Financing ) went through ... Be patient please it's on it's way however because you have a loan on it you won't be able to hold the title you must surrender it to your DMV so they can create a new title in your name with Gateway as the lein holder which they will hold until you pay them off ok. I sent the title directly to you trusting that you will personally deliver to your local DMV ok. I again am very sorry for any inconvenience this may have caused you. And your right nothing personal I can assure you : ). XXXX good morning just following up if you received your title and light yet? ( XX/XX/XXXX, XXXXXXXX XXXX ) Please send me a copy of the registration showing Gateway as the lien holder ok. XXXX good morning can you confirm you have completed your DMV paperwork please the bank is asking me to provide that to them XXXX XX/XX/XXXX, XXXX a.m. ). XXXX did you complete your DMV title work? XXXX, XXXX, XXXX, I am so disappointed,! Ordinarily, I would have discussed this issue via phone but for health sake I thought it best to write my complaint. This ordeal has made me physically sick. I received the Title but I delayed to register because I don't want to be involved in any fraudulent activity. Also, I wanted to inspect the document further. And as expected my suspicions were confirmed. I discovered that this Title was never filed with DMV or within the time frame as prescribed by California law. Also, I noted that you allegedly purchased the car on XX/XX/XXXX much earlier than the date you originally stated. So, it is obvious that there was an issue with getting the Title, which explains the delay with getting the Title to me. Also, this explains why the XX/XX/XXXX California DMV application for transfer of Title was never completed. I guess this explains why you are so adamant about listing Gateway as the lien holder. And when I spoke with the bank, I was told that they were waiting on you to provide them the Title. But, all long I was being strung along to give you more time to get the Title. As I stated previously, you should not have sold this vehicle if you knew that there was no Title on file with DMV. And had I known this information, I would not have purchased this vehicle without that assurance. It's hard to believe that someone would do this to a XXXX  vet but when it comes to greed I guess nothing is unbelievable, huh? ( XX/XX/XXXX, XXXX XXXX  ). Gateway One did not have lawful title when it sold the vehicle to me onXX/XX/XXXX. Both dealer and Gateway One Lending & Finance committed fraud. Gateway One never registered this transaction with the California DMV. FYI XXXX is my XXXX  company and they always lien every title as such I bought it from the auction and I have prove of that. Dealers operate on lines of credit with regards to cars I didn't do anything wrong I was always the bonified owner. What damages do you think you incurred?? The title was never to go to you because you have a lien on it with the bank. If you want to talk please call me because I am very fair and would love nothing more than handling your concerns. Santander does not hold lawful Title to this car.","date_sent_to_company":"2021-06-03T06:21:26.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"296XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4430099","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Santander Consumer USA Holdings Inc.","date_received":"2021-06-03T05:55:09.000Z","state":"SC","company_public_response":null,"sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["Your not being fair nor am I out of <em>compliance</em> in anyway shape or form. Why in the world would you think for one minute you've been defrauded in anyway?? In the state of California it can take up to 90 days for the title work to be completed that's the law which in no way have we exceeded that."]},"sort":[2.6642728,"4430099"]},{"_index":"complaint-public-v1","_id":"4430567","_score":2.431838,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, while parked at XXXX XXXX in XXXX SC, my vehicle was towed. I was parked in the order to go and told by an employee that I could not park there. I said that I would run in to order to go and leave in a short time. I entered the restaurant and ordered. About fifteen minutes later, I noted a tow truck. I saw a man hooking up the car to tow it away. I ran towards my car, and yelled for the guy to stop, but once he hooked up the car, he ran and jumped into the passenger side of the tow truck. I observed a red tow truck drive off with my car. I pursued the tow truck, and again yelled to the driver to stop the tow. But he continued to drive away with my car. I pursued the driver and asked him to stop saying he had no right to take my car. He then yelled out the window, Im doing what I was told. At no time did the tow drive identify himself or assert that he had the order or right to tow the vehicle. The driver sped through the parking lot where children and pedestrians were present. The driver breached the peace. Notably, there were XXXXwo white men in the vehicle, but I was unable to identify them. I did not see any signs on the vehicle. I spoke with the Manager of the restaurant who denied that he called the tow. I also asked for video surveillance of the incident. I started calling tow companies hoping to locate the company that towed my car. I then called the police hoping the tow would be reported. XXXX XXXX Police said that the tow had not been reported and the driver had an hour to report. Meanwhile I continued to call the various tow companies, and told these tow companies had not towed the car. I called the police incessantly and told that the tow was not reported. After several hours I believed that car was stolen, and police believed the car was stolen, but delayed to file the police report, hoping the tow driver would report the tow. However, the tow driver never reported to the police. And on XX/XX/XXXX, Sunday, XXXX XXXX Police called me saying that it believed the car was stolen. The Police asked me to come to the Law Enforcement Center to make the report. But unfortunately, I was unable since I didnt have transportation. So, the detective asked permission to go outside city limits. The detective came to my home and I made a police report on XX/XX/XXXX. I also made a claim to my insurance company. On Monday, XX/XX/XXXX, I received a call from a XXXX XXXX detective who informed that he spoke with XXXX. The XXXX said that he XXXX  the name of my lender and discovered that XXXX XXXX XXXX XXXX XXXX was acquired by XXXX. The detective said XXXX confirmed that it had my car, and that it had been repossessed. The detective gave me the name of the agent that he spoke with, and asked that I call. Also, asked me to confirm that XXXX had the vehicle and call him so he could close out the stolen vehicle report. The Detective confirmed that the tow driver did not follow the law that required him to notify the police once they retrieved the vehicle. Also, the detective said that the police should have been informed of the repo order before the tow driver retrieved the car. Also, said the driver breached the peace in the restaurant parking lot, and consequently that tow was unlawful and should have been terminated. Per South Carolina State Law, 56-5-2525, requires that all towed motor vehicles must be reported to the Chief or the Sheriff of the jurisdiction from which it was towed. The City of XXXX records all notifications of towed motor vehicles and classifies them into 2 distinct categories, which include vehicles towed at law enforcement direction and vehicles towed at private party direction. Per Section 56-5-5620-5670, Any time a vehicle is towed by the towing company without the knowledge of the owner or person in possession of the vehicle, the TOWING COMPANY MUST NOTIFY the municipal police chief or sheriff in the countys unincorporated areas within one hour of moving the vehicle. The Detective gave the name of the XXXX agent that he spoke with and the ID number. I called XXXX and spoke with a different agent who was rude and condescending. She refused to tell me where my car was located, and angrily said that she was trying to collect a debt. I said I had not received any notice from her company. She said that vehicle had been repossessed and that I could only get the car by reinstating the loan. Also, the agent said that I only had until XX/XX/XXXX, to retrieve the car and after that date the car would be sold. I asked for the paperwork regarding this matter, and told that it would be sent. I asked that the notice of intent be sent email because of the time. Notably, XXXX did not send a Notice Of Right To Cure Default letter as required by South Carolina. And when I inquired on XX/XX/XXXX, the agent claimed that a right to cure letter was sent on XX/XX/XXXX. However, on XX/XX/XXXX, the XXXX XXXX, said that it was not required to send notice of right to cure. Also, on XX/XX/XXXX, I spoke with XXXX XXXX XXXX and Reinstatement for several hours and both gave conflicting information regarding the account. XXXX said per guidelines it was not required to send Notice of Right to Cure to South Carolina. Also said these notices are system generated and since a notice was not generated meant that XXXX was not required by law to send it. On XX/XX/XXXX, I asked for statements regarding the account, and told that I could not get them since the account was charged off on XX/XX/XXXX. But when I spoke with the Executive Office on XX/XX/XXXX, I was initially told that it could not assess the records due to account being closed. But when I pressed the point the statements would have been archived, I was told by the agent that an internal department would have to authorize the release of these statements, and it would take 48 hours. The Agent confirmed the request and said that it would be sent by mail and email. The Agent also pressed that I had until XX/XX/XXXX to reinstate the loan, and wanted to know if I would go forward with the reinstatement. It is apparent that XXXX is attempting to intimidate and pressure me to reinstate the loan on there terms. I told him I wanted and had the lawful right to inspect those documents before I moved forward. The bottom line, XXXX did not provide a notice of right to cure as required by South Carolina. Also, the Executive Office said the account was past due after XX/XX/XXXX. And XXXX reports the delinquency ten days later. So around XX/XX/XXXX or XXXX, the account would have been past due. South Carolina has specific rules governing when and how cars can be repossessed. South Carolina allows repossession when borrowers default. Typically, however, default means a person is 10 days late on a payment. At this point, the lender must send a Notice of Right to Cure informing the borrower that she has 20 days to bring the loan current to avoid repossession. South Carolina Legal Services, After the borrower is 10 days late on your payment, the lender must send a Notice of a Right to Cure in the mail, unless the lender is a credit union. This notice should give the borrower 20 days to repay what the borrower owes before the lender can take the car. If the borrower bring payments current, the default is cured. So, if the account became delinquent on XX/XX/XXXX, XXXX was required to send the borrower a Right to Cure notice on XX/XX/XXXX. However, XXXX failed to provide notice to the borrower. Notably, one agent claimed that XXXX delayed to send the notice to cure because it wanted to work with the borrower. According to Consumer Protection Code 37-5-110, Pursuant to Code of Law of South Carolina, a Notice of Consumers Right To Cure MUST be sent to the borrower PRIOR to repossession ( regardless of the state of origin of the contract ) giving the borrower twenty days ( 20 ) days to cure the default ( Cited by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX SC XXXX ). Lenders have two repossession options in South Carolina. ( 1 ) filing a Claim and Delivery suit against the borrower, and ( 2 ) Self-help repossession, the lender can come and tow the vehicle from any location- - driveway, your workplace, the street or a parking lot. The only stipulation is that it must be done peacefully. South Carolina XXXX Services : XXXX can use self-help and tow your car as long as it is a peaceful removal. The law allows the lender to use self-help in repossessing your car, but the law also requires that self-help be peaceful. If the owner tells the repo agent to stop, any further attempt to tow the car is not peaceful. If the repossession continues, the repo agents risk liability for wrongful possession. Also note that the repo agent failed to notify police, but said in his tow report that police were notified of tow. Also, repo agent falsely reported to Par North America and XXXX that the vehicle was retrieved from XXXX XXXX XXXX at XXXX p.m. But reported to his employer ( XXXX XXXX XXXX  ) that the vehicle was retrieved from XXXX at XXXX p.m., contradicting what he reported to XXXX North America and XXXX. Notably, the repo agent did not provide an address for the restaurant, but gave the zip code XXXX, and said in his tow report that the car was retrieved within XXXX County jurisdiction. However, the car was retrieved within city limits, and the zip code for XXXX is XXXX. Notably, the repo agent failed to report that he breached the peace while taking the car, which explained why the repo agent failed to report the tow and incident to XXXX XXXX Police. Pushing, yelling, and getting in a fight with the owner of the vehicle would breach the peace. Or even continuing to repossess your vehicle after you told them to stop, qualifies as breach of peace. And once the repo agent breached the peace, he loses the right to take the car without a court order. You do not have to consent to the repossession of your car, do not use XXXX, but be persistent and politely tell the repo agent to leave your property. Also note the repo agent reported the retrieval to XXXX on XX/XX/XXXX, but never reported the retrieval to XXXX XXXX Police. Also, if the car has already been repossessed, the lender ( Santander ) must send notice of Right to Redeem the car and notice of what the lender intends to do with car ( South Carolina Consumer Affairs ). I asked that XXXX send the Notice of Intent, and was told the letter was generated on XX/XX/XXXX, and it could take several days to arrive. Also, the agent advise me to be mindful of the deadline XX/XX/XXXX, to reinstate the loan. I said that on XX/XX/XXXX, I asked for the Notice and told it would be sent regular mail. I asked if it could be sent via email, and the agent agreed to send it by way of email. The Agent asked and confirmed both mail and email address. But when I asked the Executive Office on XX/XX/XXXX, to send the Notice of Intent by email to save time, I was told that XXXX was unable to do so. The Agent said their system would not allow them to send email. I noted that I received email regarding XXXX XXXX payment history on XX/XX/XXXX. XXXX lies incessantly. Also, Note that XXXX XXXX XXXX did not have lawful title to car before it sold it to me on XX/XX/XXXX. Email communications with the owner XXXX XXXX XXXX of XXXX XXXX : you sold me a car that you did not have title to and then strung me along for two months and two payments totaling XXXX, not to mention car insurance and taxes in the amount of {$800.00}. Are you kidding me! State law requires dealers to actually have physical possession of the title. Please spare me that nonsense that you have three months to provide title when you did not have the title in your possession when I purchased this vehicle. So technically, the previous owner still had possession of the vehicle because you did not register title with CA DMV. However, on XX/XX/XXXX, you gave the appearance of registering the title with DMV but did not complete the application because you well knew that you did not physically hold title. I have paid two payments, insurance and taxes for a car that was still under the legal ownership of the previous owner. As stated previously, this nonsense has made me physically ill and I will not continue. I don't care about your situation like you don't care about mine. If you were honest you would not have sold me a car that you did not have physical title to, nor would you have led me to believe that you had title at the time of purchase. You either lied to or were complicit with the bank. I would not have purchased this vehicle on XX/XX/XXXX, if I had known that you did not have physical possession of title ( XX/XX/XXXX ). It's obvious by now that you are not going to do the right thing so you leave me no choice but to make a complaint with the State 's Attorney and DMV first thing Monday morning. I demand the return of money that I paid for a vehicle you sold that you did not have physical possession of title to. I checked with the State and was informed that the seller MUST have possession of title before selling a vehicle. On XX/XX/XXXX you sent me this text ( You had a good experience when I gave you a certified check in the amount of XXXX for a car that I can't register because you can't produce title,. It's amazing how you are trying to flip this and say that I am making a big fuss over nothing. Again, you should have waited to sell the car if you knew that there was issue with the title. Moreover, you should have informed me before I purchased the car that the title would be delayed thus there would have not been the false expectation that I would receive the title soon after purchase. It has been over XXXX weeks and still DMV has not received title. But, ( I suppose to trust that the title will be here Tuesday XXXX, I won't believe until I see it. I've heard it all and I'm not impressed. I guarantee if the shoe was on the other foot, you would feel the same way. So, don't try to make me feel that I'm acting irrationally. This isn't personal, it's business! So, I'm not interested in sparing your feelings. ) and according to XXXX it was delivered to you as I stated. So why are you so upset? As far as being able to prove that I owned that car before I sold it to you I have all the paperwork to prove that ok. XXXX please understand I bought the car with my cash from the auction got the title and than put it on my credit line all prior to you purchasing it. This is a very common practice among dealers also upon getting you financed I sign a guarantee of title for the bank which completely protects you. I'm sorry you feel I don't care but that's simply not true and I do care about all my customers and there well being. I try to conduct myself in all aspects of my like to the highest standards. Would you be willing to accept XXXX in an agree to disagree kinda way? Please accept my sincere apology for any inconvenience I have caused you : ) I truly would love a scenario where you become happy and excited about your beautiful new car and your belief in me. If you feel you can truly accept my heartfelt apology ( XX/XX/XXXX, XXXX a.m. ). So what do you think XXXX?? Please don't be offended I'm just trying to come to a resolution : ) ( XX/XX/XXXX, XXXX p.m. ). How about XXXX than? ( XXXX XXXX, XXXX a.m. ) Ok I'm sending XXXX today I want to be friends again please!! ( XX/XX/XXXX, XXXX p.m. ). What address do you want it to go to? ( XX/XX/XXXX, XXXX p.m. ). Please XXXX I want to get this resolved fairly in every way. ( XX/XX/XXXX, XXXX p.m. ). XXXX XXXX XXXX & XXXX sent me the Title Your title and your parts have been sent to you I personally did it!! Your not being fair nor am I out of compliance in anyway shape or form. Why in the world would you think for one minute you've been defrauded in anyway?? In the state of California it can take up to 90 days for the title work to be completed that's the law which in no way have we exceeded that. Now I don't want to argue fuss or fight so please relax and if you don't have your title work done by at least Tuesday than you can proceed to destroy my good name and reputation if it makes you feel better ok. I'm a good guy and we have an honest business we are not out to deceive anyone in anyway XXXX XXXX we have had a good experience up until now please let 's choose to be kind and thoughtful toward each other. I'm 100 % confident you'll have all you need to go register your car at your local DMV and please make sure they list XXXX XXXX XXXX and Finance as the XXXX holder of record ( The Bank Your Financing ) went through ... Be patient please it's on it's way however because you have a loan on it you won't be able to hold the title you must surrender it to your DMV so they can create a new title in your name with XXXX as the XXXX holder which they will hold until you pay them off ok. I sent the title directly to you trusting that you will personally deliver to your local DMV ok. I again am very sorry for any inconvenience this may have caused you. And your right nothing personal I can assure you : ). XXXX good morning just following up if you received your title and light yet? ( XX/XX/XXXX, XXXX p.m. ) Please send me a copy of the registration showing XXXX as the lien holder ok. XXXX good morning can you confirm you have completed your DMV paperwork please the bank is asking me to provide that to them XXXX XX/XX/XXXX, XXXX a.m. ). XXXX did you complete your DMV title work? XXXX, XXXX, XXXX, I am so disappointed,! Ordinarily, I would have discussed this issue via phone but for health sake I thought it best to write my complaint. This ordeal has made me physically sick. I received the Title but I delayed to register because I don't want to be involved in any fraudulent activity. Also, I wanted to inspect the document further. And as expected my suspicions were confirmed. I discovered that this Title was never filed with DMV or within the time frame as prescribed by California law. Also, I noted that you allegedly purchased the car on XX/XX/XXXX much earlier than the date you originally stated. So, it is obvious that there was an issue with getting the Title, which explains the delay with getting the Title to me. Also, this explains why the XX/XX/XXXX California DMV application for transfer of Title was never completed. I guess this explains why you are so adamant about listing XXXX as the lien holder. And when I spoke with the bank, I was told that they were waiting on you to provide them the Title. But, all long I was being strung along to give you more time to get the Title. As I stated previously, you should not have sold this vehicle if you knew that there was no Title on file with DMV. And had I known this information, I would not have purchased this vehicle without that assurance. It's hard to believe that someone would do this to a XXXX vet but when it comes to greed I guess nothing is unbelievable, huh? ( XX/XX/XXXX, XXXX a.m. ). XXXX One did not have lawful title when it sold the vehicle to me on XX/XX/XXXX. Both dealer and XXXX XXXX XXXX XXXX XXXX committed fraud. XXXX XXXX never registered this transaction with the California DMV. FYI XXXX  is my flooring company and they always lien every title as such I bought it from the auction and I have prove of that. Dealers operate on lines of credit with regards to cars I didn't do anything wrong I was always the bonified owner. What damages do you think you incurred?? The title was never to go to you because you have a lien on it with the bank. If you want to talk please call me because I am very fair and would love nothing more than handling your concerns. XXXX does not hold lawful XXXX to this car.","date_sent_to_company":"2021-06-03T07:57:30.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"296XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4430567","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ADESA CORPORATION","date_received":"2021-06-03T07:21:39.000Z","state":"SC","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["Your not being fair nor am I out of <em>compliance</em> in anyway shape or form. Why in the world would you think for one minute you've been defrauded in anyway?? In the state of California it can take up to 90 days for the title work to be completed that's the law which in no way have we exceeded that."],"issue":["Took or threatened to take negative or <em>legal</em> action"]},"sort":[2.431838,"4430567"]},{"_index":"complaint-public-v1","_id":"6693726","_score":2.2511587,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Update My Personal Information XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Sent Via Certified Mail Return Receipt Requested Dear Sir or Madam : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT STOP SAYING I'VE HIRED A CREDIT REPAIR COMPANY WHEN IN FACT, I DID NOT. THIS IS ME AS THE NATURAL LIVING PERSON AND THE CONSUMER THAT IS WRITING YOU. YOUR E-OSCAR SYSTEM IS FAULTY AND IM LETTING YOU KNOW I WILL FILE SUIT IF IT CONTINUES TO READ ME AS A 3RD PARTY COMPANY BECAUSE YOU ARE SHOWING DISCRIMINATION TOWARDS ME AND ARE VIOLATING MY RIGHTS TO PRIVACY AS WELL AS DISRESPECTING ME BY STATTING I DO NOT know MY RIGHTS AS A CONSUMER. \n\nI am writing to CERTIFY that I recently reviewed a copy of Experian credit report and found that part of the following \" PERSONAL INFORMATION '' was incorrect. I'm asking you to look into addresses that I've never lived at and that might be on my credit report as a result of fraud as soon as possible. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Please refer to the photocopy of my driver 's license that is attached. Just so you know : I've sent this paperwork certified mail. \n\nWho am I? XXXX XXXX Please IMMEDIATELY remove any more name variations. They are incorrect! \n\nMy current address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Florida XXXX IMMEDIATELY delete all other addresses. They are incorrect! \nMy employment status right now is EMPLOYED. Please IMMEDIATELY delete any further job variations. They are incorrect! \nI ask that you remove these disputed items. A reasonable amount of time for you to finish your investigation is thirty ( 30 ) days. The FAIR CREDIT REPORTING ACT is in effect. 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. \nThe Credit Reporting Act states. Please notify me through mail when these items have been updated and deleted. I now certify that the information above is accurate and true. \n\nArtI.S10.C1.2.2.1 Limits on Issuing Legal Tender Article I, Section 10, Clause 1 : No State shall enter any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder , ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. \n\nTRUTH IN LENDING The Commission is empowered by this Act ( Title I of the Consumer Credit Protection Act ) to ensure that most non-depository organizations abide by various legal requirements. The Act, among other things, mandates that creditors who work with customers comply with other laws, provide certain written disclosures about financial costs and associated terms of credit transactions ( including revealing an APR ), and make certain disclosures in advertisements. Numerous amendments to the Act have included rules for credit cards and open-end credit, as well as for mortgage credit, including ability to repay standards, loan origination, anti-steering, appraisal independence, and mortgage servicing. The legislation that this Act amends and is enforced by are noted separately. \n\n\n\n\n\n\nAFFIDAVIT OF AGGRAVATED IDENTITY THEFT XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Sent Via Certified Mail Return Receipt Requested Dear Sir or Madam : To whom it may concern : I'm writing to contest bogus accusations made against my consumer profile that was displayed on the Experian credit report. I was the victim of identity theft. At this moment I request that you remove the account, issue me an accurate statement and delete the fraudulent charges and any associated financial charges from my consumer profile. \n\nThis warning tells you that an unauthorized account was improperly reported to my consumer report. You do not have my signed consent to change my credit report. My private or personal information can not be used by you to contact third parties for any legal reason. Your offenses qualify as severe identity theft under 18 U.S.C. 1028A. You have committed a felony punishable by up to 2 years in prison and civil responsibility by willfully transferring, possessing, or using a method of identification of mine without my consent. \nThis agency violates 15 USC 1692g. I was supposed to receive written notice of this five days in advance, but I never did. I can prove this debt just because I am the original creditor. This debt is not justified by me. The accounts listed below must be removed from my report as a result. \n\nIf you don't act promptly to delete the aforementioned account and send out a free copy of my report after the adjustments have been made, legal action will be initiated against your business, and I will also be seeking {$1000.00} per infraction for the following : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 15 US Code 1681n - Civil liability for willful noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. \nFair and Accurate Credit Transactions Act The Fair Credit Reporting Act, as amended by the FACT Act, contains provisions designed to enhance the accuracy and integrity of information in consumer reports. \nSection 312 of the FACT Act requires the agencies to : ( 1 ) establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus ; ( 2 ) prescribe regulations that require entities that furnish such information to establish reasonable policies and procedures for implementing the guidelines; and ( 3 ) prescribe regulations that identify circumstances under which a furnisher will be required to reinvestigate disputes about the accuracy of the information contained in a consumer report based on a consumer 's direct request. \nThe FACT Act requires the agencies to consider specific factors as they develop guidelines and regulations to implement section 312. The ANPR contains a series of questions that will facilitate this process. \nThe above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being re-reported or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain, or report MUST be mandated, true, and correct. \ncomplete, timely, proven mine, of my responsibility, and otherwise compliant to any and every reporting regulation in my state or federal laws. \nLIABILITY FOR VIOLATIONS OF THE FCRA Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 6 16, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619.Section 604 of the FCRA ( 15 U.S.C. 1681b No authorization or permissible purpose was established \" following the written instructions '' as the consumer to whom it relates to obtaining my consumer report under any circumstances. No consent has been granted from the consumer, even if verbally granted, for this is not good enough even if documentation of such consent is maintained. \n\nInformation regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. \n\nFCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. \nEnd-users must provide certification to comply with permissible purpose requirement. \nEnd-users must ( 1 ) identify themselves, ( 2 ) certify the purpose for obtaining reports, ( 3 ) certify the information in the report will be used for no other purpose ( Blanket certification ). \nBackground screening companies have obligations to show reasonable procedures to ensure access to only permissible users. \nCertify to users that request will be used for a permissible purpose. \nAdverse Actions Based on Information Obtained From Third Parties Who Are Not Consumer Reporting Agencies If a person denies ( or increases the charge for ) credit for personal, family, or household purposes based either wholly or partly upon information from a person other than a CRA, and the information is the type of consumer information covered by the FCRA, Section 615 ( b ) ( 1 ) requires that the user clearly and accurately disclose to the consumer his or her right to be told the nature of the information that was relied upon if the consumer makes a written request within 60 days of notification. The user must provide the disclosure within a reasonable period of time following the consumer 's written request. \n15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \n805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 812. Furnishing certain deceptive forms ( a ) It is illegal to design, put together, and provide any form with the knowledge that it will be used to give consumers the impression that someone other than their creditor is helping to collect or is trying to collect a debt they are supposedly owed by them, when in fact they are not. \n\n( b ) Anyone who violates this section is held accountable to the same degree and in the same way that a debt collector is under section 813 for breaking one of this title 's rules. \n\n814. Administrative enforcement ( a ) Federal Trade Commission The Federal Trade Commission shall be authorized to enforce compliance with this subchapter, except to the extent that enforcement of the requirements imposed under this subchapter is specifically committed to another Government agency under any of paragraphs ( 1 ) through ( 5 ) of subsection ( b ), subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ]. For purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), a violation of this subchapter shall be deemed an unfair or deceptive act or practice in violation of that Act. All of the functions and powers of the Federal Trade Commission under the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by any person with this subchapter, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter, in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule. \n\n\nDECLARATION OF NON-RESPONSIBILITY I/We, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX that I have never received nor used any credit cards, for the purchases of merchandise, services or for any other purpose. No Purchases or uses have been authorized by or with my consent or knowledge, and no benefit or value has been or will be received by me as a result of such transactions. Furthermore, I have never signed any application requesting the issuance of any said credit card, nor did I authorize any person to use a duplicate credit card issued under the above account number. I declare under penalty of perjury that the foregoing is true and correct. \n28 USC 3002 :15 ( 15 ) United States means ( A ) a Federal corporation ; ( B ) an agency, department, commission, board, or other entity of the United States XXXX or ( C ) an instrumentality of the United States XXXX \n\n\" I am a living breathing consumer with the right to privacy, I am NOT a citizen. Citizenship can NOT exist within any corporation ; for only members of a corporation reside '' USC 1602J ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter.\n\n15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. \n\nInaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. \n\n( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. \n\n( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.\n\n( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \n\n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. \n\nINCLUSIONS : The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such information, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as \" pretexting. '' Due to your erroneous data furnishing, you have \" ALSO '' made me a victim of harassment and abuse by violating FDCPA 15 U.S. Code 1692d : 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. \n\n( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.\n\n( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 )? [ 1 ] of this title. \n\n( 4 ) The advertisement for sale of any debt to coerce payment of the debt.\n\n( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.\n\n( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity. \n\n15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. \n\n\n\n\n\n\n\n\n\nXXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX, Florida XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Sent Via Certified Mail Return Receipt Requested To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. \n15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. \nThe Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX. XXXX XXXX  Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Name : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX The information regarding this account is inaccurate because I dont have a contract with this company, nor do I owe a balance. account needs to be deleted immediately because it is detrimental to my Credit report and score. \nThe following supporting documents are enclosed for your review : 1. Identity Theft Report 2. Notary My identity has been stolen you are hereby put on notice. \nAggravated Identity Theft pursuant to 18 U.S.C. 1028A.\n\n( 1 ) In general. \nWhoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. \nAn identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. \n( 2 ) In accordance with the written instructions of the consumer to whom it relates. \" As ( 3 ) To a person which it has reason to believe Credit Reporting and Scores Under the CARES Act In response to the unprecedented financial impact of the COVID-19 outbreak, many lenders have developed relief options that give consumers wiggle room if they are unable to make their regular payments. To protect consumers against being reported as delinquent if they utilize these options, the CARES Act calls for creditors to adjust how they report accounts that have been modified. \nThe law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureausas long as the account was current when the accommodation was made. Here are two scenarios you could experience under the CARES Act : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. \nIf your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. \nAccording to the new law, an \" accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. \nThe CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX, through either XX/XX/XXXX ( 120 days after XX/XX/XXXX, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over. \nIf you're unsure about your specific arrangement and want to know whether you're protected by these requirements, contact your lender and ask how they plan to report your information to credit bureaus. Make sure you document all your interactions by taking notes and screenshots and saving emails, so if your lender fails to follow through, you'll be prepared to dispute them. \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX. XXXX XXXX  Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX I recently received a copy of my consumer report, and I noticed some late payments posted on my accounts. By law, pertaining to the CARES ACT, accommodations were made to my account and ive been current since, and late payments should have not been reported and is a clear violation to my rights as a CONSUMER. I have never missed a payment in the month of XX/XX/XXXX or any months after. Pleas update the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to either ON TIME, NO DATA/DATA UNAVAILABLE, or DELETE ACCOUNT altogether : The following supporting documents are enclosed for your review : 1. Identity Theft Report 2. CARES ACT Your company is in clear violation of the law. Under 15 US C 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : XXXX. XXXX XXXX  Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. The following personal information is incorrect Account Number : Name : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. \n\nDid I give you written instruction to furnish this on my credit report? \n\nFurthermore, the fair credit reporting act 15 USC 1681b ( 2 ) ( a ) ( 1 ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this tile, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. \nDelete the above late payments from any consumer report, this agency is in violation of 15 USC 168i. \n\nI recently received a copy of my consumer report, and I noticed some late payments posted on my accounts. By law, pertaining to the CARES ACT, accommodations were made to my account and ive been current since, and late payments should have not been reported and is a clear violation to my rights as a CONSUMER. I have never missed a payment in the month of XX/XX/XXXX or any months after. Pleas update the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to either ON TIME, NO DATA/DATA UNAVAILABLE, or DELETE ACCOUNT altogether : The following supporting documents are enclosed for your review : 1. Identity Theft Report 2. CARES ACT Your company is in clear violation of the law. Under 15 US C 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. \n\nDid I give you written instruction to furnish this on my credit report? \n\nFurthermore, the fair credit reporting act 15 USC 1681b ( 2 ) ( a ) ( 1 ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this tile, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. \nDelete the above late payments from any consumer report, this agency is in violation of 15 USC 168i.\n\nYour company is in clear violation of the law. Under 15 US C 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. \n\nDid I give you written instruction to furnish this","date_sent_to_company":"2023-03-14T21:27:12.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33027","tags":null,"has_narrative":true,"complaint_id":"6693726","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-03-14T21:01:51.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["TRUTH IN LENDING The Commission is empowered by this Act ( Title I of the Consumer Credit Protection Act ) to ensure that most non-depository organizations abide by various <em>legal</em> requirements. The Act, among other things, mandates that creditors who work with <em>customers</em> comply with other laws, provide certain written disclosures about financial costs and associated terms of credit transactions ( including revealing an APR ), and make certain disclosures in advertisements."]},"sort":[2.2511587,"6693726"]},{"_index":"complaint-public-v1","_id":"16983019","_score":2.096099,"_source":{"product":"Mortgage","complaint_what_happened":"b\"Summary\\n\\nShellpoint / XXXX  have created a pattern of payment re-aging, unapplied funds, and fabricated fees on my post-discharge mortgage account.  Agents repeatedly invoked bankruptcy disclaimersThis is not an attempt to collect a debt due to your discharged bankruptcywhile simultaneously quoting balances and demanding payment.  One agent stated, Thats why I think Im a little confused, admitting they could not reconcile my payments inside their own system.  These actions violate RESPA (Reg X), TILA (Reg Z), FDCPA, and 11 U.S.C.  524(i).XXXX XXXX XXXX XXXX payment held unappliedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.  Only XXXX XXXX was credited; the remainder was re-aged to XXXX which was already paid.XXXX XXXX XXXX XXXX XXXX XXXX XXXX online after the portal falsely showed a balance due.  That payment disappearedXXXX XXXX XXXX XXXX XXXX XXXX to close out XXXX  Agent confirmed the loan was current.XXXX XXXX XXXX  Portal briefly displayed the XXXX XXXX  payment, then shifted to show XXXX XXXX due for XXXX  Later a representative told me, I think that went to XXXX, which is impossible.  This is deliberate payment re-aging.\\XXXX XXXX  Calls  Multiple representatives gave conflicting balances.  One said, Thats why I think Im a little confused, proving the account cannot be reconciled from their screens.  They then assessed XXXX XXXX8 in late fees and a XXXXXXXX  property-inspection fee.  When I asked for the inspection date or proof, none existed; the agent simply placed me on hold.\\nStatute\\nCitation\\nConduct\\nRESPA (Reg X)\\n12 C.F.R.  1024.17(k)(1)\\nFailed to credit payments as received; re-aged XXXX XXXX  payment to XXXX XXXXXXXXnCharged unverified property-inspection fees\\n XXXXIgnored error-resolution duties after admitting confusion\\n XXXXFailed to maintain one accurate transactional history\\nTILA (Reg Z)\\n12 C.F.R.  1026.36(c)(1)\\nDid not promptly apply payments\\nFDCPA\\n15 U.S.C.  1692e(2)(A)\\nMisrepresented amount / legal status of debt\\nBankruptcy Code\\n11 U.S.C.  524(i)\\nAltered post-discharge payment application and demanded sums inconsistent with discharge\\n\\nConsumer Harm\\n\\t\\tFalse delinquency of roughly XXXX XXXX despite full, timely paymentsXXXX XXXX XXXX payment induced by inaccurate portal display.\\n\\t\\tUnearned XXXX XXXX XXXXate fees and XXXX  property-inspection fee.\\n\\t\\tContinuous calls using bankruptcy disclaimers while still quoting balancesconfusing and unlawful post-discharge collection.\\n\\t\\tEmotional distress and risk of wrongful foreclosure.\\n\\n\\n\\nRequested Relief\\n\\t1.\\tFull reconciliation of all payments from XXXX XXXX forward.\\n\\t2.\\tWritten confirmation of correct principal balance and application of each payment.\\n\\t3.\\tRefund of duplicate payments, late fees, and the XXXX inspection fee with interest.\\n\\t4.\\tRemoval of any negative credit reporting.\\n\\t5.\\tDisclosure of internal ledger and proof of any claimed property inspection.\\n\\t6.\\tCertification of corrective action to prevent future payment re-aging.\\n\\n\\n\\nSupporting Evidence (to attach)\\n\\t\\tRecordings and transcripts XXXX XXXX XXXX XXXX XXXX calls).\\n\\t\\tPortal screenshots showing XXXX XXXX XXXX XXXX XXXX XXXX due.\\n\\t\\tBank confirmations for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\\t\\tAny correspondence referencing payment application task completed.\\n\\n\\n\\nComplainant Statement\\n\\nShellpoint / XXXX  repeatedly misapplied verified payments, told me my funds went to XXXX, added property-inspection fees that never occurred, and invoked bankruptcy language while still demanding money.  One agent openly admitted, Thats why I think Im a little confused.  These actions violate RESPA, TILA, FDCPA, and 11 U.S.C.  524(i).  I request full CFPB and state enforcement review, restitution of all misapplied funds, and sanctions for systemic payment re-aging and fee fabrication.XXXX XXXX XXXX XXXXXXXXI'm sorry, we are unable to make an account match using the last four digits of the Social Security number you entered please try again please enter the last four digits of your Social Security number followed by the pound key We see the number you are calling from today is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Is this a good number to call using our automatic telephone dialing system for future calls to allow us to use this phone number press one if you would like to opt out press two. Thank you we will update this phone number on your loan. If you are a homeowner in an active or discharged bankruptcy, you may have received a periodic billing statement from us. Recently borrowers in an active or discharged bankruptcy previously did not receive statements unless requested the XXXX XXXX mortgage servicing rule requires mortgage services to send modified periodic statements to consumers who have filed for bankruptcy. These rules went into effect on XXXX XXXX XXXX XXXX  If you do not wish to receive periodic billing statements, you may request in writing that we see sending periodic statements. Our records indicate that you requested a payment application task on your loan. The task has been completed. No further action is needed from you at this time you can review the results by going to shell point mtg XXXX  and reviewing the change on your transaction history, please choose one of the following options to self service your loan to pay by phone using our your call is being transferred please hold thank you for calling Shell point mortgage servicing. Please be advised we are a debt collector. This is not an attempt to collect a debt due to your bankruptcy for training and quality purposes. Your call may be monitored or recorded your estimated wait time is less than two minutes. All of our agents are assisting other customers if you would like to hold your place in queue and have the system call you back press one otherwise please hold for the next available agent call may be returned between XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for calling XXXX. My name is so nice of XXXX and what a recorded line. Who do you have a pleasure speaking with today? \\n\\nYou\\nHi, my name is XXXX XXXX \\n\\nParticipant\\nThank you, XXXX be for verification purposes. Can you please verify the mailing address along with the last four of the Social Security number and account? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXXnParticipant\\nThank you and I see the loan you are calling about your XXXX XXXX XXXX We thank you and your family for your sacrifices and service of our country and our honor to help us our customers and also I'll just get to inform you by breaking is a bad collector. This is not an attempt to collect a debt due to your district bankruptcy and XXXX XXXX Do we have your permission to contact you within the next seven days via call or text using \\n\\nYou\\nYes \\n\\nParticipant\\nour dial if it is needed is it your cell phone number ending in XXXX XXXXYou\\nYes \\n\\nParticipant\\nAnd do you want also to set this up the primary contact of yours? \\n\\nYou\\nYeah \\n\\nParticipant\\nOf a perfect and also XXXX XXXXI'll just need to inform you that your account is currently for a total of XXXX including the total liter see if XXXX and the other fee of XXXX and also if you have some free time, give me visit the web online to check the status of your account and you can set up there for ACH for the payment biweekly and send one please and how many help you for today? \\n\\nYou\\nOK, what is what is the XXXX for? \\n\\nParticipant\\nThat is for the other fees \\n\\nYou\\nWhat fees? \\n\\nParticipant\\nFor the property inspection if you are on 30 days \\n\\nYou\\nWhen was our property inspection? \\n\\nParticipant\\ndelinquent on your yes That property \\n\\nYou\\nWhen was the property inspection done? \\n\\nParticipant\\ninspection if you are on 30 days OK offer for this one let me go ahead and double check. OK go for the \\n\\nYou\\nOK, I'm going \\n\\nParticipant\\nproperty inspection. Let me go ahead and check. When did this property inspection was fine OK and then I'll be back off so would you mind if I put this on hold for about one to two minutes thank you kind to stay on the line. \\n\\nYou\\nOK, go ahead. Go ahead. XXXX XXXX XXXX XXXXSing your loan press one to talk to a loan officer about refinancing your please select one of the following options to be connected to your loan servicer for new rest press two for XXXX  thank you for calling Shell point mortgage servicing, but I couldn't be XXXX XXXX Please enter the last four digits of your Social Security number, followed by the pound key We see the number you are calling from today is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is this a good number to call using our automatic telephone dialing system for future calls to allow us to use this phone number press one if you would like to opt out press two, thank you, we will update this phone number on your loan. If you are a homeowner in an active or discharged bankruptcy, you may have received a periodic billing statement from us recently borrowers in an active or discharged bankruptcy previously did not receive statements unless requested the XXXX XXXX mortgage servicing rule requires mortgage services to send modified periodic statements to consumers who have filed for bankruptcy. These rules went to effect on XXXX XXXX XXXX XXXX If you do not wish to receive periodic billing statements, you may request in writing that we see sending periodic statements. Our records indicate that you requested a payment application task on your loan. The task has been completed. No further action is needed from you at this time you can review the results by going to shell point mtg XXXX and reviewing the change on your transaction history, please choose one of the following options to self service your loan to pay by phone using our free automated phone system press one for Shell point mortgage servicing contact information press two. For general loan information press, three for escrow your call is being transferred. Please hold thank you for calling Shell point mortgage servicing. Please be advised. We are a debt collector. This is not an attempt to collect a debt due to your bankruptcy for training and quality purposes your call may be monitored or recorded your estimated wait. Thank you for contacting XXXX mortgage servicing. My name is XXXX XXXX on a recorded line with whom do I have a pleasure of speaking? \\n\\nYou\\nYes, my name is XXXX XXXX XXXXParticipant\\nXXXX XXXX, how are you today? \\n\\nYou\\nHow are you doing? \\n\\nParticipant\\nI'm doing well, sir thank you so much for asking the pain before we speak in detail as to why you're calling. Could I please have you provide your mailing address and the last four of your social please? \\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXParticipant\\nAll right, I want to thank you XXXX XXXX XXXX for verifying that information, sir before we speak in detail please allow me a moment to offer you to say thank you to you and your family for your sacrifice and service of our country. We are honored to have you as a \\n\\nYou\\nThanks \\n\\nParticipant\\ncustomer. I also have informed you, sir, that we will get servicing is a debt collector. This is not an attempt to collect a debt due to the status of your bankruptcy discharge XXXX XXXX if we have to contact you in the next seven days with your updated information, do we have your permission to call? And this permission include automated text messages and automated calls as well \\n\\nYou\\nSure Right \\n\\nParticipant\\nOK, so I do see where your account is eligible to schedule out up to three post payments and all the account also shows that you last called in last week XXXX XXXX XXXX XXXXWhat are you talking about schedule out? \\n\\nParticipant\\nJust like you would write a post check you can write on that check a date just like you would write a \\n\\nYou\\nWhat do you mean oh no no no no no no no \\n\\nParticipant\\npostage \\n\\nYou\\nno no I'm about. I'm supposed to get a check for around three XXXX XXXX XXXX XXXX XXXX she said to be like 7 to 10 days. I'm supposed to have a payment for XXXXXXXX XXXX XXXX XXXXpplied and that was made on XXXX XXXX so I'm just checking the status that. \\n\\nParticipant\\nOK, so what I am seeing on the account at this time looks like the most recent payment we received was on the XXXX XXXX  and that brought your \\n\\nYou\\nFor how much? \\n\\nParticipant\\npayment up Seeing That was XXXX XXXX XXXX \\n\\nYou\\nAnd that paid off XXXX correct? \\n\\nParticipant\\nThat oh yes, sir, that was enough to cover the month of XXXX  that is correct and now the account has been up \\n\\nYou\\nOK, so there was another payment on there. There's another payment that came in on the XXXX XXXX where is that one? \\n\\nParticipant\\nI don't see that payment has been received posted to the account as of yet and I do see on the XXXX you made a payment over the Internet \\n\\nYou\\nRight right for a whole month XXXX towards that payment \\n\\nParticipant\\nThat payment was applied to the month of XXXX XXXXNo, we already paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnParticipant\\nIt shows on the XXXX that you made a payment for XXXX and that was the full amount due which was applied to the amount \\n\\nYou\\nYou're saying we made a pic so let me \\n\\nParticipant\\nYeah, that took \\n\\nYou\\nunderstand something there's XXXX who is sitting in XXXX unapplied we made a payment for XXXX XXXX XXXX XXXX  OK so now that if we take XXXX XXXX of that and put it in of XXXX  that pays off XXXX  so then what are you doing with taxes you put that in XXXX right so then I call in XXXX and I gave her the XXXX  because she says that's how much I owe and if she stated on the XXXX  we're paid off however, now you have an extra payment where is that payment at? \\n\\nParticipant\\nSorry, I don't show that the payment on the XXXX  Let me see says on the XXXX XXXX XXXX XXXX XXXX you added a payment of XXXX XXXX XXXX XXXX XXXX and that was the amount that was posted To XXXX So you paid for XXXX XXXX XXXX XXXX then on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX how much money do we pay total? \\n\\nParticipanXXXX XXXX XXXX XXXX XXXX XXXX XXXX  you're referring to that was on XXXX XXXX XXXXYou\\nThat's right that sitting in XXXX right and then there's a problem here because you see the payment on XXXX XXXX XXXX XXXX all right so that payment was made on XXXX XXXX actually on our payment history it's on our bank account those payments you drafted out but the prom now is you're only telling me XXXX XXXX  but in fact we paid off XXXX we paid off XXXX and then you got an extra payment so I need to know where that payment is \\n\\nParticipant\\nThat's what we're a little bit confused when we receive a payment on XXXX XXXX you have credit on the account of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX yesterday we spoke to somebody yesterday XXXX  we had XXXX on paid balance towards our account. We were told that that would be distributed for XXXX XXXX and you guys are going to dismiss a check back and for XXXX XXXX XXXX XXXX XXXX apparently you guys have been with holding unapplied balances which is against spot. And sending out foreclosure notices basically say you gotta pay by the XXXX  that you're three months behind but see the prime is you can't be behind if you're holding money so we just need our money we need you guys to put it on XXXX XXXX XXXX XXXX, and since our check like you agreed to \\n\\nParticipant\\nI'm not sure there's been a price on XXXX XXXX Looks like I'll \\n\\nYou\\nYeah, you guys yeah apparently \\n\\nParticipant\\ncontact and apply. \\n\\nYou\\nSorry \\n\\nParticipant\\nLooks like all parents have an applied \\n\\nYou\\nNo, they haven't. We have XXXX  an unplayed unapplied money. Going back three years see what you're doing as you keep putting us into arrears OK so that we are never ahead but the problem is we're already ahead This is taken care of Sunday a letter was sent to you guys XXXX XXXX we called that was taken care of. She stated got recording everything so I mean gotta have it done. She stated yes I see us XXXX here we're going to, but how do you want me to do this? I said pay XXXX XXXX and then send a check for XXXX XXXX So it was already made \\n\\nParticipant\\nOK, so if you sent a letter but it's being reviewed by our payment processing department but at this time I don't see an unpaid burn on applied balance of XXXX I'm not showing anything and \\n\\nYou\\nWell, they told me but yeah yeah I spoke to you guys yesterday \\n\\nParticipant\\nunapplied \\XXXX you told me you have XXXX unapplied and then you you told me you were gonna pay for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \\n\\nParticipant\\nThat's not what I'm saying I am not saying there was an unapplied balance of XXXX yesterday. I'm sitting there wasn't an \\n\\nYou\\nBut there is there is a unified balance, but there is an \\n\\nParticipant\\nunapplied. \\n\\nYou\\nunified balance. No, it's it's more than no you have to go back three XXXX XXXX XXXX that was applied to your XXXX payment \\n\\nYou\\nyears. No you have to go back three years. OK what you're doing is taking the unapplied payments and putting them in another account you're moving them Do you understand you guys I've been sued for this stuff you guys have already been sued for this several \\n\\nParticipant\\nWhere would we move into? \\n\\nYou\\ntimes OK under arrest, but you can't do what you're doing \\n\\nParticipant\\nWell, sure if we don't have a full deal and we can't apply to have to sit on a bike at this point \\n\\nYou\\nWell, why don't you audit it so audit my account so audit my account \\n\\nParticipant\\nAs I advised as I advised already, sir, payment processing is reviewing your account because you sent an email but at this time I do not see that there's XXXX XXXX XXXX XXXX XXXXThen how come yesterday there \\n\\nParticipant\\nwas a high balance of three. I'm not sure I'm not that person, sir but looking at your account yesterday, there was not a balance of \\n\\nYou\\nwas \\n\\nParticipant\\nXXXX  when you're on a bike. \\n\\nYou\\nThere was yesterday I mean, I got recorded talking dispute that \\n\\nParticipant\\nOK sir so if you'd like, you can definitely go ahead and check on our website which will show that there was an \\n\\nYou\\nYeah, your website so that's the \\n\\nParticipant\\nunapplied. I'm sorry I \\n\\nYou\\nproblem. Yeah, it doesn't work. \\n\\nParticipant\\ninterrupted you. Go ahead. \\n\\nYou\\nYeah, the problem with you guys is you say one thing somebody else says something else your website says something else but none of us the truth. You're all contradicting each other. The website does not equal what you're saying you see the problem we're having. \\n\\nParticipant\\nNo sir, because the website shipping matching my payment history and my payment history does not show an \\n\\nYou\\nIt's not matching your payment history \\n\\nParticipant\\nunapplied for XXXX XXXXYou\\nWait, let me ask you this I called on the \\n\\nParticipant\\nyesterday XXXX. I spoke to one of your idiots. I said listen there's two XXXX. Excuse me there is \\n\\nParticipant\\nOK sir, I will not tolerate you being \\n\\nYou\\nXXXX sitting in \\n\\nParticipant\\ndisrespectful. I understand you are XXXX. No I'm not \\n\\nParticipant\\nfrustrated \\n\\nYou\\nfrustrated to listen to me. I'm your \\n\\nParticipant\\nOK \\n\\nYou\\ncustomer there was XXXX and unapplied payments in XXXX  OK we were told that we only owed XXXX XXXX  all right so then we call on the XXXX and then we speak to one of your individual individuals. He says yeah well what happened was you have XXXX on the site in XXXX? OK then he says my wife made a payment foXXXX XXXX XXXX XXXX then he says it that money went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX but then all of a sudden he came back and said you need a calculator and I'm like I don't need a calculator because what happens is you take XXXX XXXX XXXX that complete XXXX and then you've got another XXXX left over whatever whatever it is and XXXX XXXX  So and then he tells us that oh well, you still owe XXXX XXXX XXXX XXXX so you see your math just does not add up. You guys tell one story and then you change it again. You see the problem \\n\\nParticipant\\nAnd we take that out for your XXXX XXXX XXXX XXXX So \\n\\nYou\\nI'm sorry so wait wait I'm sorry on \\n\\nParticipant\\nthen \\n\\nYou\\nXXXX XXXX XXXX XXXX XXXX XXXX  was made right \\n\\nParticipantXXXX XXXX yes and I went and applied which was the XXXX XXXX XXXX XXXXou\\nWhere is it? Where is that money at? \\n\\nParticipant\\nadvised it was the XXXX XXXXou\\nBut it was just unapplied, right \\n\\nParticipant\\nWhen trying to apply \\n\\nYou\\nRight OK so it was unapplied for XXXX My wife made a payment for XXXX XXXX XXXX XXXX XXXX  correct \\n\\nParticipant\\nYes, there was a payment for XXXX XXXX XXXX XXXX XXXXou\\nOK right Then XXXX XXXX went to XXXX right? \\n\\nParticipant\\nNo sir, 3 XXXX XXXX XXXX XXXX SXXXX \\n\\nYou\\nWhere's my XXXX  at? \\n\\nParticipant\\nThat was in the payment because you had made the payment of \\n\\nYou\\nNo wasn't you just told me you just told me that I had \\n\\nParticipanXXXX XXXX there that was \\n\\nParticipant\\nOK sir \\n\\nYou\\nunapplied but yet you just told me and my wife made a payment for XXXX XXXX  which went to 3XXXX XXXX XXXX XXXX so where's my XXXX  payment? The balance it wasn't applied \\n\\nParticipant\\XXXX XXXX XXXX XXXX XXXX XXXX  \\n\\nYou\\nRight \\n\\nParticipant\\n- XXXX because that's what your XXXX payment was was \\n\\nYou\\nHa ha, right \\n\\nParticipant\\nXXXX if you \\n\\nYou\\nHa ha, right \\n\\nParticipant\\XXXX XXXX XXXX\\nSo how much money? \\n\\nParticipant\\nSo then that left \\n\\nYou\\nRight in case no OK so how much money out of that XXXX with the \\n\\nParticipant\\nGo ahead \\n\\nYouXXXX  \\n\\nParticipant\\nI got XXXX  well we first had the XXXX in there so let's go ahead and go XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \\n\\nYou\\nOK, did that pay it off? \\n\\nParticipant\\nThat paid for XXXX XXXXn\\nYou\\nOK, what about XXXX  then because we still have money left over right? \\n\\nParticipant\\nYou had XXXXXXXX left over a payment was made \\n\\nYou\\nOK \\n\\nParticipant\\nyesterday foXXXX XXXX XXXX which \\n\\nYou\\nHa ha \\n\\nParticipant\\ncompleted your XXXX payment \\n\\nYou\\nNo \\n\\nParticipant\\nleaving XXXX and the unapplied \\n\\nYou\\nI'm sorry when was the payment before that one yesterday? \\n\\nParticipant\\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \\n\\nYou\\nNo, it wasn't. It was made on XXXX XXXX XXXX XXXX  You took it on my bank account \\n\\nParticipant\\nI'm showing a payment of seven XXXX XXXX XXXXYou\\nNo, you took out it's showing my bank account you took out XXXX XXXXor the month of XXXX See now we have a problem because your numbers don't match up so where is my XXXX you guys just took out my bank account then \\n\\nParticipant\\nI showed the XXXX XXXX and you advise that you already \\n\\nYou\\nNo \\n\\nParticipant\\nsent a complaint so it is being reviewed by our payment \\n\\nYou\\nBut I'm asking you about my accounting right but I'm asking you about a \\n\\nParticipant\\nprocessing \\n\\nYou\\npayment \\n\\nParticipant\\nAgainst her that has to be done by our payment processing department since they're reviewing it because you're \\n\\nYou\\nBut you just told me yoXXXX XXXX XXXXrticipant\\ninsisting there's XXXX XXXX  \\n\\nYou\\nYou're supposed to understand what's going on but yet you can't find my payment from Sunday You just told me it was paid \\n\\nParticipant\\nI can sure \\n\\nYou\\nXXXX paid for \\n\\nParticipant\\nshow that your XXXX XXXX is paid for \\n\\nYou\\nOK, but when was that payment made for \\n\\nParticipant\\nAnd there's nothing \\n\\nYou\\nXXXX but when was that payment made for \\n\\nParticipant\\nremaining in your pipe The remainder amount of \\n\\nYou\\XXXX? \\n\\nParticipant\\nseven XXXX XXXX as I had advised numerous times now was made on XXXX XXXX that \\n\\nYou\\nFor XXXX XXXX XXXX XXXX \\n\\nYou\\nYou're telling me XXXX XXXX XXXX XXXX XXXX XXXX right Is that correct? \\n\\nParticipant\\nYes \\n\\nYou\\nOK, so that was for what month \\n\\nParticipant\\nCompleted XXXX \\n\\nYou\\nOK, so then XXXX XXXX another payment was made foXXXX XXXX  Where is that money? \\n\\nParticipant\\nI am not saying that one at this time so I can reach out to XXXX  There's nothing in your \\n\\nYou\\nSays it's unapplied \\n\\nParticipant\\nunapplied, sir. There's nothing there. \\n\\nYou\\nSo I made it so you're telling me the payment was already made but then I made another payment That's unapplied you just told me that the payment that I made for XXXX XXXXompleted the XXXX repayment correct? \\n\\nParticipant\\nCorrect that was made on \\n\\nYou\\nRight, but there was another payment made for \\n\\nParticipant\\nXXXX XXXX XXXX XXXX XXXXr that now \\n\\nParticipant\\nOK again I'm \\n\\nYou\\nBut we're missing \\n\\nParticipant\\nI'm not seeing that payment, sir. You're saying it came out of your checking account. OK that's great. \\n\\nYou\\nI'm seeing it right here in front of me. I'm looking at the payment history right here. I'm looking at the payment. I see it right here \\n\\nParticipant\\nNow you're saying \\n\\nYou\\nunapplied since XXXX XXXX XXXXParticipant\\nYeah, you're seeing the XXXX \\n\\nParticipant\\nunapplied balance go from the unapplied with that XXXX XXXX XXXX XXXX XXXX XXXXYou\\nHa ha \\n\\nParticipant\\ncombined and it went towards your XXXXXXXX XXXX XXXXYou\\nSo what about the XXXX XXXX where that go? \\n\\nParticipant\\nThat is what was coming out of the unapplied \\n\\nYou\\nIt wasn't that was the money that it was a payment I made I made a payment for \\n\\nParticipant\\nOK sir, \\n\\nYou\\nXXXX XXXXParticipant\\nagain I am not seeing that and seeing the seven XXXX XXXX  goes with the \\n\\nYou\\nOK, so I just wanna ask you one more question here \\n\\nParticipant\\nunapplied to create XXXX XXXX XXXX and the apply XXXX XXXXu\\nOK, so XXXX was paid off right then you told me that some of that money was left over something that money was left over for \\n\\nParticipant\\nXXXX has been XXXX then you said to complete XXXX  I had to pay XXXX right \\n\\nParticipant\\nI said that you did pay XXXX  yes \\n\\nYou\\nTo complete XXXXr correct to complete XXXX  right again a payment was made for XXXX for the complete month of XXXX so that's an extra payment there \\n\\nParticipant\\nAgain, I'm not seeing that here, sir so I can definitely reach out to my payment \\n\\nYou\\nSo how come my numbers look different than \\n\\nParticipant\\nprocessing department, but I'm not seen that \\n\\nYou\\nyours? \\n\\nParticipant\\nI am not sure sure I can't see what you're looking at. I can see what I'm looking at which is your payment. \\n\\nYou\\nI'm looking it says payment history it is I'm looking at payment history. It says XXXX XXXX XXXX a payment for XXXX was applied or it says applied payment now and you took it out of my bank account and it's just unapplied it's just like sitting see that's the prom you don't you don't even know where this payment is. You guys weren't even know where the XXXX is now. Now you understand what's going on you guys aren't applying money properly Do you have a \\n\\nParticipant\\nI got her. I'm just \\n\\nYou\\nsupervisor do you have anybody? I can talk to that knows what they're doing \\n\\nParticipant\\nshowing that what I'm very well aware of what I'm doing, sir \\n\\nYou\\nOK, where did the payment XXXX XXXX XXXX  go it's on my payment history. I'm looking at it right now. Where is it? \\n\\nParticipant\\nYes, it went from your unapplied to your regular monthly payment for \\n\\nYou\\nIt could've \\n\\nParticipant\\nXXXX \\n\\nYou\\ngone from my monthly payment. You just told me a payment was made. There was a payment in XXXX XXXX XXXX XXXX sitting in XXXX unapplied correct my wife made a payment for my wife made a \\n\\nParticipant\\nCorrect \\n\\nYou\\npayment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that went to whatever it was went to XXXX to pay it off right Correct \\n\\nParticipant\\XXXX XXXX  was from the \\n\\nYou\\nbut \\n\\nParticipant\\noriginal on balance and XXXX XXXXYou\\nOK \\n\\nParticipant\\XXXX XXXX XXXX XXXX you made went to your XXXX payment \\n\\nYou\\nOK, and then how much was left over \\n\\nParticipant\\nThat left \\n\\nYou\\nHow much was left over they went to \\n\\nParticipant\\nXXXX XXXX XXXXParticipant\\nAre you going to allow me to answer, sir? \\n\\nYou\\nYes, go ahead \\n\\nParticipant\\nThank you XXXX XXXXYou\\nAnd that was from the XXXX XXXX payment correct? \\n\\nParticipant\\nThat was what was left over of the XXXX XXXX XXXXYou\\nOK and then and then a payment so then yesterday a payment was made for XXXX whatever is a complete XXXX XXXX? \\n\\nParticipant\\nCorrect and we XXXX XXXX XXXX XXXX XXXX XXXX  Shellpoint representatives admitted that a XXXX XXXX  payment existed in unapplied status, contradicted themselves about its destination, and then erased a previously confirmed XXXX XXXX  unapplied balance.\\nThe same call captured two separate employees describing entirely different account realities within minutes of each other.\\n\\nEvidence (verbatim excerpts):\\n\\nI do see there was a balance in the unapplied of XXXX XXXXOK yes, I dont see that  it was about XXXX XXXX  applied yesterday.\\nSupervisorXXXX XXXX XXXX theres another payment that was made  that put your unapplied balance at XXXX XXXX completing XXXX payment.\\n\\nEach statement conflicts with the others. The first recognizes an unapplied payment; the second claims the funds were applied yesterday; the third insists the same payment completed XXXX  a month already paid through prior remittances.\\n\\nInterpretation:\\nThis sequence demonstrates a systemic data-integrity failure rather than a single mis-keyed entry.\\nShellpoints staff are reading from live account screens that change while the customer is on the line  meaning the ledger is being rewritten in real time to reconcile internal errors or conceal unapplied balances.\\nSuch volatility violates:\\n\\t\\tRESPA  1024.38(b)(3)(i)  failure to maintain accurate and accessible records.\\n\\t\\tRESPA  1024.35(a)  servicer notice of error (were a little confused) triggers investigation duty.\\n\\t\\tTILA  1026.36(c)(1)  failure to credit payments as of date received.\\n\\t\\tBankruptcy Code  524(i)  post-discharge tampering with payment application.\\n\\nThe conflicting explanations  unapplied, applied yesterday, completed XXXX   confirm ledger re-aging and manual overrides.\\nNo servicer could produce three mutually exclusive account states unless data are being altered outside ordinary automated posting rules.\\n\\nRisk Impact:\\nThis behavior shows a system-level vulnerability where borrower payments can be suspended, moved backward to earlier months, or erased without audit transparency.\\nThe XXXX XXXX call provides a living snapshot of that process: funds appear in the system, vanish, then reappear labeled applied, enabling Shellpoint to (1) fabricate delinquency, (2) assess late fees and inspection charges, and (3) justify foreclosure notices while still holding consumer money.\\nSuch conduct jeopardizes compliance with federal servicing standards and exposes investors and borrowers to material misrepresentation of cash-flow integrity.\\n\\n\\n\\nSystemic Alignment\\n\\nThe same mis-allocation pattern appears across every month since XXXX XXXX\\t\\tpayments first recorded as unapplied,\\n\\t\\tlater re-aged to prior months,\\n\\t\\tfollowed by fee creation and conflicting balances.\\n\\nThis repetition confirms a servicing algorithm or manual policy, not human error.\\nShellpoints own agents admitted confusion (thats why I think Im a little confused) because their interface dis\"","date_sent_to_company":"2025-11-03T23:01:28.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"37066","tags":"Servicemember","has_narrative":true,"complaint_id":"16983019","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-11-03T22:35:45.000Z","state":"TN","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":["\\n\\nParticipant\\nYes, it went from your unapplied to your <em>regular</em> monthly payment for \\n\\nYou\\nIt could've \\n\\nParticipant\\nXXXX \\n\\nYou\\ngone from my monthly payment. 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