{"took":315,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":6,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2838841","_score":21.112724,"_source":{"product":"Debt collection","complaint_what_happened":"This was the subject of a prior complaint which was responded to and for which company did not do what it said it would do in effectively removing collection from credit report. I called the CFPB with feedback about the company 's non-compliance and the representative said to go ahead and file yet another complaint against MBB. \nRather then recount facts, see below and please consider as a resubmission for same : XXXX CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Debt collection ISSUE Took or threatened to take negative or legal action YOUR COMPLAINT Medical Business Bureau, XXXX, a third-party debt collector purchased an erroneous balance from XXXX XXXX XXXX in XXXX of {$360.00}. The health care provider was paid in full by insurance for a diagnostic test ordered same-day STAT by my treating physician. Any overage claimed as out of network but should not have been charged at all. The debt collector refused to settle the claim for less than {$290.00} and has continued to report a delinquent account to credit bureaus, causing negative impact to my overall score. They have also refused to divulge the registered agent for service of process for legal action regarding violation of 809 et seq. of the Fair Debt Collection Practices Act. \nSTATUS Sent to company on XX/XX/XXXX STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We have requested that the account be deleted from the consumer 's credit file and are checking with XXXX XXXX XXXX regarding the payment. Medical Business Bureau has not purchased the account.","date_sent_to_company":"2018-03-09T22:16:51.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"328XX","tags":null,"has_narrative":true,"complaint_id":"2838841","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Medical Business Bureau","date_received":"2018-03-09T22:02:11.000Z","state":"FL","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["This was the subject of a prior <em>complaint</em> which was responded to and for which company did not do what it <em>said</em> it would do in effectively removing collection from credit report. I called the CFPB with feedback about the company 's non-<em>compliance</em> and the <em>representative</em> <em>said</em> to go <em>ahead</em> and <em>file</em> yet <em>another</em> <em>complaint</em> against MBB."]},"sort":[21.112724,"2838841"]},{"_index":"complaint-public-v1","_id":"2765801","_score":13.820479,"_source":{"product":"Mortgage","complaint_what_happened":"This complaint is directed at Mr. Cooper, formerly known as Nationstar Mortgage who is the current servicer of my mortgage loan. My specific complaint is in reference to a series of misstatements, misrepresentations and contradictions over the past 11 months that now place me in great financial distress, threaten my ability to keep my home, negatively affect my credit history and my wellbeing. \n\nOverview : On XXXX XXXX, XXXX I went online to the Mr. Cooper website to make my XXXX XXXX, XXXX payment. According to online statements and letters generated by Mr. Cooper since XXXX XXXX, XXXX, the amount of my mortgage payment was to be {$1600.00} and the due date was XXXX XXXX, XXXX. When I logged in to the account overview page I found that my next payment was for {$18000.00} and due XXXX XXXX, XXXX. The page also informed me Your account is not eligible for payments. Please call us After seeing this shocking information on XXXX XXXX, XXXX, I initiated two phone calls with Mr. Cooper Customer Service representatives ( XXXX XXXX and XXXX XXXX ) and have traded electronic discussion with a XXXX XXXX, a customer service person via the Consumer Affairs website. The crux of their explanation was that someone in their Hardest Hit Funds dept. ( potentially a third-party vendor ) reviewed my account on XXXX XXXX, XXXX and reversed a {$40000.00} payment they had received and processed 11 months ago, back on XXXX XXXX, XXXX that they ( Nationstar/Mr. Cooper ) used to pay ahead my monthly payments and reduce principle. \n\nAt no time, up to today, has anyone from Mr. Cooper ever called me, nor have I received any written notification relating to this reversal these representatives described to me. If I had not logged on to their website on XXXX XXXX, I would still be unaware of this adjustment. In each of my calls, when I asked if I could speak a supervisor in their HHF department ( where the decision was made ), I was told I could not. In her last written response to me, XXXX XXXX admitted Nationstar had made an error 11 months ago when they processed the {$40000.00} payment, but offered no explanation or opportunity to speak with anyone about the decision, nor any direction regarding my account, due for a {$21.00}, XXXX payment in 10 days. \n\nIn my complaint I will provide a detailed timeline and documentation that will demonstrate that the payment accepted and processed by Nationstar on XXXX XXXX, XXXX was correct, in fact, directed by Nationstar. I will also provide months of documentation which they now contradict with no evidence, no justification, no notice or ability to appeal. \n\nWhat I seek is the ability to have the actions of Mr. Cooper be examined for legal and compliance violations and that the {$40000.00} be reapplied as they offered to do 11 months ago. \n\nFull Story and timeline : In XXXX of XXXX I was offered a mortgage loan modification by Nationstar mortgage ( Exhibit 1, copy of modification agreement is provided ). This agreement called for me to make a qualifying payment of {$2800.00} to enter the modification. It called for payments of {$660.00} ( {$1000.00} with impounds ) for two years beginning  XXXX XXXX, XXXX through XXXX XXXX XXXX Exhibit 2 -copy of mortgage stmt dated XXXX XXXX, XXXX provided to confirm ). All payments were paid on time, as agreed between XXXX XXXX and XXXX XXXX. \n\nIn XXXX XXXX, I was notified that my monthly payment would be increasing from {$1000.00} in XXXX XXXX to {$2600.00} beginning XXXX XXXX, XXXX ( Exhibit 3 - copy of monthly statement dated XXXX/XXXX/XXXX attached ). \n\nConcerned that this 265 % increase in payment would be problematic I contacted Nationstar for possible assistance. They offered nothing. I was able to make the higher payments due for XXXX, XXXX and XXXX ( Exhibit 4 - stmts dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX documenting these payments ). \n\nIn XXXX XXXX I contacted a California non-profit organization, Keep Your Home California ( KYHC )  and asked for their assistance. They offered a principle reduction program ( PRP ) which I was pre-qualified for. I completed their paperwork. On XXXX XXXX, XXXX I received an approval letter from KYHC ( Exhibit 5 -Notification of PRP Approval attached ), indicating they would provide {$40000.00}. **An important part of the KYHC PRP process was KYHC worked with Nationstar ( my servicer ) to determine an amount of funds that Nationstar would use to provide payment assistance. According to KYHC personnel, it was Nationstar that directed KYHC to provide the {$40000.00}. \n\nAmong the key information in this letter were the statements Your servicer is responsible to provide you detailed information regarding how PRP benefit assistance will be applied to your loan. Additionally, the letter instructed me that my servicer would send me documents related to the principle reduction and new lower payments and that I must complete them. It added, If you have not heard from your mortgage servicer or do not receive a new monthly mortgage stmt within 30 days that reflects the application of the PRP funds, we recommend you contact your Servicer. \n\nI followed all instructions. I completed the KYHC Promissory Note and Deed of Trust ( Exhibit 6 - attached ) and returned to KYHC. I called KYHC to ask what payment relief I could expect, or how that would  work. I was told that is completely up to Nationstar, they will tell you how the funds can be used. \n\nI looked out for documents from Nationstar. None came. I continued to regularly check my Nationstar account online to see if/when the {$40000.00} PRP funds were received and applied. \n\nOn XXXX XXXX, XXXX I checked my Nationstar account online and found a statement generated XXXX XXXX, XXXX reflecting transaction activity of {$40000.00} on XXXX/XXXX/XXXX ( Exhibit 7 - attached statement dated XXXX/XXXX/XXXX documents the XXXX XXXX, XXXX activity ) confirming receipt and processing of the KYHC funds. It also showed my next payment was due XXXX/XXXX/XXXX. \n\nOn XXXX XXXX, XXXX I still had not received anything from Nationstar ( no documents to complete or notification of receiving the {$40000.00} ), and so I called them. I spoke to a customer service representative who confirmed receipt of the {$40000.00} and how it had been applied. I explained to her where the funds had come from and why. I asked what Nationstar could offer to provide payment relief. After an extensive hold to confer with her supervisor, the Nationstar representative informed me that Nationstar could use the funds received to pay ahead up to six monthly payments. The balance of the {$40000.00} would then be applied to the principle balance. She indicated that 6 months was the maximum amount of time Nationstar could pay ahead, however if I wanted to pay ahead for longer, I would just need to call in and request it. When I agreed to the six months pay ahead arrangement, she confirmed with me that my next due payment would be XXXX/XXXX/XXXX. She also told me no paperwork would need to be completed by me for this purpose. \n\nOn XXXX XXXX, XXXX, Nationstar sent me a letter confirming this arrangement, stating my We are writing you to notify you that your account is currently paid ahead. As of the date of this letter, you are due for your XXXX/XXXX/XXXX payment. ( Exhibit 8 - copy of this letter is attached ). \n\nOn XXXX XXXX, XXXX, Nationstar generated a monthly mortgage statement that indicated the next payment due was XXXX/XXXX/XXXX. In the Transaction Activity section of the statement adjustments is shown dated XXXX/XXXX/XXXX that distributed the {$40000.00} as described in the XXXX XXXX, XXXX call to Nationstar ( Exhibit 9 - a copy of this statement dated XXXX/XXXX/XXXX is attached ). \n\nOn XXXX XXXX, XXXX I checked my account online and found that I was due for an XXXX XXXX, XXXX payment of {$1500.00}, contradicting the information given to me by Nationstar in the XXXX XXXX call, XXXX XXXX, XXXX letter and XXXX XXXX, XXXX statement. I had not received any calls or written notifications from Nationstar regarding changes or adjustments. I contacted Nationstar and on XXXX XXXX, XXXX I spoke to XXXX, a customer service representative for Nationstar and asked what had occurred. After an extensive hold, XXXX informed me that the XXXX adjustments were not executed correctly. After conferring with her supervisor, she told me they would submit a research request that would correct the error so that my account would be paid ahead for 6 months and the balance of the {$40000.00} applied to principle. \n\nOn XXXX XXXX, XXXX, I checked my account online and found a statement generated by Nationstar dated XXXX/XXXX/XXXX confirming what I was told on XXXX. The statement indicated my next payment due date was now XXXX/XXXX/XXXX. The Transaction activity portion of the statement reveals the reversing of the {$40000.00} on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, and then the re-application of the {$40000.00} on XXXX/XXXX/XXXX paying my account ahead for 6 months ( Exhibit 10 -  statement dated XXXX/XXXX/XXXX is attached confirming these transactions ). The statement dated XXXX/XXXX/XXXX had been deleted from the Nationstar website. \n\nOn XXXX XXXX, XXXX, I checked online and found a monthly mortgage statement dated XXXX/XXXX/XXXX. This statement confirmed my next payment due date was XXXX/XXXX/XXXX ( Exhibit 11 - statement dated XXXX/XXXX/XXXX is attached ). \n\nOn XXXX XXXX, XXXX I checked my Nationstar account online and found I was due for a XXXX XXXX, XXXX payment of {$1500.00}, contradicting my conversation with XXXX on XXXX XXXX, and the two previous mortgage statements. I had not received any calls or written notifications from Nationstar regarding changes or adjustments. I contacted Nationstar and spoke with a customer service representative. I explained the situation and expressed concern that a pattern of contradicting information and errors was occurring with my mortgage. After a 45-minute hold, the representative told me she would research the issue and call me back within 24 hours. She never called. \n\nOn XXXX XXXX, XXXX I called Nationstar again and spoke with another customer service representative. After a long hold conferring with her supervisor, she told me they would submit another research request to resolve the matter. \n\nOver the next few weeks I continued to check my account online, but did not see the adjustment. I called in several more times and was assured each time Nationstar was researching the problem and would resolve it. \n\nOn XXXX XXXX, XXXX, Nationstar generated an online mortgage statement that indicated I was now due for two payments on XXXX XXXX, XXXX and added a late fee. The transaction activity section indicated a series of reversals totaling {$40000.00} back dated to XXXX XXXX, XXXX, which contradicted at least four previous calls and previous Nationstar mortgage statements and misrepresented account activity ( Exhibit 12 -statement dated XXXX/XXXX/XXXX attached ). The XXXX XXXX, XXXX statement was deleted from the Nationstar website. \n\nOn XXXX XXXX, XXXX I still did not see the adjustments Id been assured of, so I called Nationstar and spoke to a customer service representative named XXXX. I expressed to him my concerns regarding all the errors and the extended amount of time to resolve my account. He explained that previous representatives had not executed the arrangement properly and assured me he would, telling me it would take 7 business days to do so. When I checked online XXXX XXXX, XXXX, the overview showed my payment due date was now XXXX XXXX, XXXX. \n\nOn XXXX XXXX, XXXX Nationstar generated a monthly mortgage statement which reflected a payment due date of XXXX XXXX, XXXX. The payment amount now was {$1600.00}. The transaction activity section of the statement reflected reapplication of the {$40000.00} back dated to XXXX XXXX, XXXX ( Exhibit 13 - copy of XXXX/XXXX/XXXX statement attached ). \n\nOn XXXX XXXX, XXXX Nationstar generated an online statement ( Exhibit 14 -copy of XXXX/XXXX/XXXX attached ) consistent with the XXXX XXXX. Payment of {$1600.00}, payment due date was XXXX XXXX, XXXX. \n\nOn XXXX XXXX, XXXX a letter ( Exhibit 15 - copy of letter attached ) from Mr. Cooper ( formerly Nationstar ) writing to notify you that your ( my ) account is paid ahead, next payment due date XXXX/XXXX/XXXX. \n\nOn XXXX XXXX, XXXX Mr. Cooper generated an online statement ( Exhibit 16 copy of XXXX/XXXX/XXXX statement attached ) indicating payment of {$1600.00}, payment due date of XXXX/XXXX/XXXX. \n\nOn XXXX XXXX, XXXX a letter ( Exhibit 17 - copy of letter attached ) from Mr. Cooper writing to inform you ( me ) that your account is currently paid ahead, next payment due date XXXX/XXXX/XXXX. \n\nOn XXXX XXXX, XXXX Mr. Cooper generated an online statement ( Exhibit 18 copy of XXXX/XXXX/XXXX statement attached ) indicating payment of {$1600.00}, payment due date of XXXX/XXXX/XXXX. \n\nBy the beginning of XXXX XXXX, it finally seemed the issues with Nationstar, now Mr. Cooper had been resolved. It finally seemed that the KYHC funds had provided the relief from the {$2600.00} loan payments and that I would soon be making affordable payments from now on. Between XXXX XXXX and XXXX XXXX, XXXX, I had received two letters and four consecutive monthly statements confirming what I had been told in XXXX, despite the many missteps, my next payment due was going to be {$1600.00} and it would be due XXXX XXXX, XXXX. I received no calls or notifications from Mr. Cooper regarding any issues or adjustments to the contrary. \n\nUntil I logged into my Mr. Cooper account on XXXX XXXX, XXXX to make the payment due XXXX XXXX, XXXX. \n\nOn XXXX XXXX, XXXX I logged in to my Mr. Cooper account to make my XXXX XXXX, XXXX payment. As previously related, what I found was that my next due payment was XXXX/XXXX/XXXX and was {$18000.00}!! The website overview page also said Your account is not eligible to make payments. Please call us at XXXX for assistance ( Exhibit 19 copy of screen shot attached ). \n\nI immediately called in assuming that another error had occurred and would be resolved. Instead I spoke to someone who was quite nasty. I describe to her what had occurred over the last 11 months. After putting me on hold, she came back and told me that on XXXX XXXX, XXXX my account was reviewed by the Hardest Hit Funds department. She said that they had reversed out all the {$40000.00} funds because it violated my agreement with KYHC. I asked her where the funds were. She asked me if I had checked my account. I told her the funds were not in my account. She told me she didnt know where they were. I asked her what I was supposed to do to resolve this and she said I could do whatever I wanted. I asked to speak to a supervisor, she hung up on me. \n\nI then called KYHC to see if the funds had been sent back to them. I spoke with XXXX in the KYHC funding  department who looked up my file. I described to her what Id been told earlier by the Mr. Cooper representative. XXXX told me, that is not right referring to comment the Mr. Cooper representative said about our agreement. She confirmed that the original use of the {$40000.00}, to pay ahead and apply the balance to principle was not an issue and there was no justification for Mr. Cooper to reverse the funds. She told me to call Mr. Cooper and ask for a supervisor in their Hardest Hit Funds department and they should be helpful. She asked me to call her again in a few days to see if the funds were received by KYHC. \n\nOn Monday XXXX XXXX I called Mr. Cooper again. I spoke to a customer service specialist named XXXX. She would not give me her last name but gave me her employee ID, XXXX XXXX listened to my story and put me on hold to research. She confirmed with me that somehow your account was coded for Hardest Hit Fund and after a review that department reversed out the {$40000.00} because it was not allowed on my account. I asked her if I could speak to a supervisor in the Hardest Hit Funds and she said I could not. She explained that she did not have the ability to transfer clients to that department nor did she have a phone number or email I could use to contact them. After she reviewed my account statements going back the previous six months XXXX said to me, wow, this is a mess. \n\nLater that day I receive a written response via the Dept of Consumer affairs website from XXXX XXXX XXXX, a customer service specialist at Mr. Cooper. I had been connected with her after filing a review of Mr. Cooper on that website. She provided the same information about what happened. She did not offer any solutions, nor was she able to tell me where the {$40000.00} went. \n\nOn Tuesday XXXX XXXX, XXXX I contacted KYHC and spoke again to XXXX in their funding department. She confirmed that KYHC had still not received the {$40000.00} from Mr. Cooper. I relayed the information Mr. Cooper had provided and she stated, they do not know what they are doing. She went on to explain to me that Nationstar/Mr. Cooper had in fact, been consulted as part of KYHCs approval process. As XXXX put it, they told us to send the {$40000.00}. So, the issue of accepting those funds was approved by Nationstar before KYHC approved me or sent Nationstar the funds. XXXX continued, KYHC doesnt just send out {$40000.00} without confirming everything with your servicer, and that was done in your case with Nationstar. \n\nThe last thing XXXX said to me was, you should get a lawyer. \n\nXXXX XXXX. I received a new online statement from Mr. Cooper. The statement dated XXXX/XXXX/XXXX indicated my payment due date was now XXXX XXXX, XXXX and my payment due was for {$21000.00} ( Exhibit 20 copy of XXXX/XXXX/XXXX statement attached ). The Transaction Activity shows a series of back dated reversals and charges. The account overview page still showed payment due date of XXXX XXXX, XXXX for {$18000.00}, contradicting this statement. \n\nSummary : So as of today, XXXX XXXX, XXXX I have no idea where my mortgage account stands or what I am supposed to do next to address the errors. For 11 months I have experienced consistent misrepresentations both verbal and in writing from Nationstar/Mr. Cooper. I have done everything I was instructed to do since the loan modification was put in place in XXXX. I have done everything I was told to do when approved by XXXX in XXXX. I have done everything I was told to do by Nationstar since they received the {$40000.00} inXX/XX/XXXX. I still have not received any notifications for any adjustments or issues by Mr. Cooper. The only letters and statements Ive received from them appear here as Exhibits that contradict what they are telling me now. \n\nI am asking that the events documented in this complaint be reviewed for compliance to relevant regulations concerning mortgage servicers. In addition to obvious incompetence over the past 11 months, I am concerned that my rights as a consumer have been violated by Mr. Cooper on multiple occasions. As their own employee has said, its a mess when referring to my mortgage account. \n\nI am asking that the {$40000.00} that Nationstar accepted and applied to my account 11 months ago immediately be applied to my account. \n\nFinally, I am requesting protection from Mr. Coopers actions in terms of my credit history ( they are not reporting payments that were made ) and my home ( in one month my mortgage statements report 3 different stories ). \n\nI thank you for your assistance and attention to this mess.","date_sent_to_company":"2017-12-27T21:42:42.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"95765","tags":null,"has_narrative":true,"complaint_id":"2765801","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NATIONSTAR MORTGAGE LLC","date_received":"2017-12-27T21:21:52.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I spoke with XXXX in the KYHC funding  department who looked up my <em>file</em>. I described to her what Id been told earlier by the Mr. Cooper <em>representative</em>. XXXX told me, that is not right referring to comment the Mr. Cooper <em>representative</em> <em>said</em> about our agreement. She confirmed that the original use of the {$40000.00}, to pay <em>ahead</em> and apply the balance to principle was not an issue and there was no justification for Mr. Cooper to reverse the funds. She told me to call Mr."]},"sort":[13.820479,"2765801"]},{"_index":"complaint-public-v1","_id":"6489702","_score":12.1630535,"_source":{"product":"Debt collection","complaint_what_happened":"This involves a debt that NEVER existed, and was a result of a computer crash at a hospital I was treated at more than 5 years ago ( XXXX XXXX ). It has been undeniably proven to be a mistake, but has been resold to a total of three collection agencies over these past years. I spoke to the hospital, shortly after discovering the mistake, and they informed me about the crash and resulting error. They said it was soon corrected and my account was noted as a XXXX balance. But the debt had evidently already been automatically sent ( before the correction ) to collections via the same computer system that crashed. I have since requested assistance from the hospital with this matter, but they stated that once the faulty system sent ( or sold, I presume ) the ( incorrect ) information to the first collection agency, it became the property of that agency, and the hospital could no longer control it, or retract it. \nAs I said, three different collection agencies have harassed me over the ensuing years and have tried to get me to pay them for this non-existent debt. Then when the first two could not refute the evidence I supplied to them, and they realized I would not pay for something I did not owe, they evidently sold the \" non-debt '' to another unsuspecting ( yet unscrupulous ) collection agency. Then the nightmare starts all over again for me. \n\nThese agencies have all KNOWINGLY sold a \" non-existent debt '' AFTER they had received written verifiable documentation from me that the money was not owed. I am attaching all of the letters I have written to the two previous collections agencies, as well as the letter I wrote to the current collection agency, along with proof of payment for this service from my insurance company. Documents, all of which I have provided to all of them. These agencies are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and currently National Recovery Agency ( aka- NRA Group , LLC ), XXXXXXXX XXXX XXXX XXXX \n\nI filed a complaint with you ( CFPB ) on XX/XX/XXXX based on the most recent collection agencys actions ( National Recovery Agency, aka-NRA Group , LLC ).\n\nThey responded to you. But have not yet responded to me, other than to acknowledge that they received the information I sent to them. \nTheir response to you is non-sensical, and seems to be saying ( in very vague terms ), that this non-existent debt will be forwarded to, or returned to another collection agency that they refer to as their client. Though they did not say WHO THEIR CLIENT IS! \n\nHere is the response to you from their representative : NRA Group , LLC is in receipt of the consumer 's complaint. As indicated in the above complaint, the consumer reached out to us directly on XX/XX/XXXX and we have had amicable conversations surrounding resolution. We reached out to our client on XX/XX/XXXX regarding the matter. We have ceased our credit reporting on these accounts as well. NRA Group , LLC does disagree with one aspect of the consumer 's complaint. We did send a letter to the consumer back on XX/XX/XXXX, and have not received any information indicating the letter was not delivered. Nevertheless, based on the records obtained from the consumer, we are closing the account and returning it to our client. We do not own this debt, but were assigned it by our client. While we will certainly be passing all of this information back to our client, what they choose to do once we close the account is up to them and is beyond our control. Sincerely, XXXX XXXX XXXX, XXXX. Chief Compliance XXXX NRA Group , LLC And this is my rebuttal addressing their NON-SENSICAL run-around response : National Recovery Agencys ( aka- NRA Group , LLC ) response to my complaint is obviously a halfhearted attempt to only satisfy this complaint with the CFPB for the reasons listed below : 1. ) The ONLY thing their representative, XXXX XXXX XXXX, XXXX. ( XXXX XXXX XXXX NRA Group , LLC ), disagreed with my complaint about, was that they \" sent me a letter on XX/XX/XXXX, and have not received any information indicating the letter was not delivered. First of all, that doesn't make any sense, nor does it mean ANYTHING! AND, in addition, this is completely untrue, as well as misleading. They DID NOT send me a letter on XX/XX/XXXX. Secondly, the first and only correspondence I received from them was on XX/XX/XXXX, ( which was dated XX/XX/XXXX ). It was met with my swift response shortly after the holidays on ( XX/XX/XXXX ), which was well ahead of their requested response deadline of XX/XX/XXXX. ( I will submit a copy of that letter as proof. ) Therefore, it appears that XXXX XXXX is making a ( very poor ) attempt at deflection from the real problem at hand. I wonder if he gets paid by the word?! \n\n2. ) XXXX XXXX said that we have since had amicable conversations surrounding resolution with me. This is a complete LIE! They sent me an email that stated they received my dispute, and were going to look into it. To which I replied, acknowledging their email. This does not constitute amicable conversations surrounding resolution. In fact, I have not heard from National Recovery Agency ( aka - NRA Group , LLC ) since then. If I had not checked the status of my complaint through the CFPBs website, I would never have known about his/their response to you.\n\n3. ) Their response does not satisfy their false accusation, or attempt to collect monies that are not owed, in the least! XXXX XXXX references \" their client '' four times in his response to you, but does NOT EVER NAME THE CLIENT! Then he goes on to say that NRA Group \" does not own this debt ''. If this is the case, then how in the heck, does he/NRA Group have the right to report a bad debt owed to National Recovery Agency on my credit report? Can anyone and everyone just randomly trash someone's reputation without having the legal authority ( via ownership of the debt ) to do so?! This is absolutely CRAZY!\n\n4. ) Along with referring to \" their ( unnamed/unidentified ) client '', he also states, that they are returning it { the debt } to our client, and that \" what they { their client } choose to do once we close the account is up to them and is beyond our control. This is obviously a \" not so vague '' way of implying that, this \" non-debt '' may ( will probably ) be resold ( for the 4th time ) to yet another unscrupulous collection agency. Then my nightmare will start all over again!\n\n5. ) If NRA Group, LLC/National Recovery Agency does not own this debt, then he/they should be obligated to provide the name and contact information of who does. Dont you agree?! Otherwise, how can I defend myself? I suppose XXXX XXXX expects me to sit back and wait for another NON-OWNER of the nonexistent debt to harass and falsely accuse me again. \n\nThis has to stop! This medical service was rendered to me in XXXX, ( OVER 5 YEARS AGO ) and paid in full immediately after my insurance was billed for it. I have provided UNDENIABLE PROOF of this to all three collection agencies. And to date, the first two have closed the account, but then turned around and sold it to another agency, as though it is a legitimate debt.\n\nPlease advise me as to what further steps I can take to stop this ridiculous and seemingly illegal and extremely time-consuming nightmare. In the meantime, I will definitely be contacting my attorney.","date_sent_to_company":"2023-02-13T16:06:01.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"70072","tags":null,"has_narrative":true,"complaint_id":"6489702","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NRA Group, LLC","date_received":"2023-01-27T03:47:34.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Chief <em>Compliance</em> XXXX NRA Group , LLC And this is my rebuttal addressing their NON-SENSICAL run-around response : National Recovery Agencys ( aka- NRA Group , LLC ) response to my <em>complaint</em> is obviously a halfhearted attempt to only satisfy this <em>complaint</em> with the CFPB for the reasons listed below : 1. ) The ONLY thing their <em>representative</em>, XXXX XXXX XXXX, XXXX. ( XXXX XXXX XXXX NRA Group , LLC ), disagreed with my <em>complaint</em> about, was that they \" sent me a letter on XX/XX/XXXX, and have not received"]},"sort":[12.1630535,"6489702"]},{"_index":"complaint-public-v1","_id":"6111901","_score":9.811037,"_source":{"product":"Mortgage","complaint_what_happened":"I filed a complaint with the CFPB on XX/XX/XXXX which was taken verbally by a CFPB agent. That complaint was incorrectly transcribed by the CFPB agent due his language difficulties and transcription errors were made in his documentation. I would like to delete it from your system and replace it with this complaint in my own words. The number assigned to the XX/XX/XXXX complaint was XXXX. I called the CFPB today and spoke with XXXX in Washington to see if the original complaint could be \" edited '' but because the agent also misspelled my name on his complaint she could not help me. I told her I have six complaints filed with the CFPB and she could not group the six together on her screen. I told her the other XXXX complaints concern XXXX XXXX and the XXXX I endured with them since XXXX. I asked her how I could address all of these matters in one current complaint since my current situation with Select Portfolio Servicing Inc. relates very strongly to the mortgage they were given by XXXX. XXXX said to tie it all together and to bring it current in this complaint. \n\nThe company involved in my complaint is Select Portfolio Servicing, Inc., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. The CFPB currently has over XXXX customer complaints against them ( per XXXX in Washington ). XXXX sold my XXXX loan ( signed \" under protest '' and created by XXXX XXXX XXXX ( XXXX ) to Select Portfolio Servicing in XXXX. I told Select Portfolio on Day 1 \" you have just inherited a \" criminal '' mortgage. I told them I needed all of the loan transfer information XXXX provided to them and told them I would be keeping meticulous records of every transaction and every conversation we have. \n\nThe first red flags on this new servicing by Select Portfolio were Escrow account issues. I was constantly told I have an Escrow \" shortage '' and I made payments as soon as I was advised. Despite making timely payments, Select Portfolio Servicing would randomly increase my monthly mortgage payments using the \" shortages '' as their excuse. As this kept happening I asked the agents where my payments were going and they told me \" the tax office ''. So I went to our local tax office and asked them if they were receiving my payments from Select Portfolio. They looked at me like I had three heads and told me what I already suspected. Escrow analyses are normally performed once annually and the mortgage holder is given the results of the Escrow analysis at this time and decides how he/she wants to handle the shortage or overage RED FLAG # 1 - SELECT PORTFOLIO SERVICING TRIED TO TELL ME I WAS REQUESTING THE ESCROW ANALYSES AND THIS IS WHY MY MORTGAGE AMOUNTS KEPT FLUCTUATING. I TOLD SELECT PORTFOLIO SERVICING I AM ON A FIXED RATE MORTGAGE AND IN THE SIX YEARS THEY SERVICED MY ACCOUNT, THEY WERE HANDLING MY TRANSACTIONS NON-COMPLIANTLY. \n\nVery often I made \" extra '' payments to Select Portfolio Servicing and was very specific about how I wanted the funds disbursed. I told them to apply anything over the amount due to Principal and repeated this instruction to the agent processing my payments each month. Select Portfolio Servicing had a problem applying payments to Principal and very often ignored my instruction. Instead, they would place my extra principal payments in unapplied funds or mortgage. Because Select Portfolio kept changing my monthly payment due I could never accurately calculate proper crediting to my Principal account. RED FLAG # 2 - Compliant processing of mortgage payments. \n\nDue to my previous experiences with XXXX, I kept escalating improper handling of my account to the Ombudsman 's office at Select Portfolio Servicing. I eventually escalated this matter to XXXX XXXX XXXX in XXXX, NY, The XXXX XXXX XXXX in XXXX, NY and Congresswoman XXXX XXXX 's office in XXXX, NY. I have been reporting my mortgage compliance issues to the OCC, the CFPB, XXXX, XXXX, Attorney General 's Office, FTC and FBI for almost twenty years now and all of the government agencies respond with \" this is a contractual matter between you and the bank ''. Select Portfolio Servicing Inc. is not a bank. They are a \" debt collector '' / '' loan processor ''. XXXX told me after reviewing my payment histories to report \" white collar crime '' to the FBI and the Attorney General. Both agencies referred me back to the CFPB and to real estate lawyers. \n\nI requested two conference calls with XXXX XXXX, Select Portfolio 's Director of Compliance, a representative from Congresswoman XXXXXXXX XXXX XXXX XXXXXXXX XXXX and my attorney, XXXX XXXX. Account audits were requested and in XXXX of XXXX Select Portfolio Servicing reversed over {$5000.00} to my credit. They issued a new XXXX but would not explain in detail what they did or why. \n\nI continued to make additional principal payments with the hope of getting away from Select Portfolio Servicing with a refinance and they continued to misapply my payments. I was approved by two separate mortgage companies for a refinance and lost out on one closing because the payoff letter generated by Select Portfolio Servicing was incorrect. I felt as if they were holding me XXXX and kept calling their Ombudsman 's office daily to get what I needed for the second refinance, As the date for the refinance neared I reached out to XXXX XXXX several times with copies to all involved. He replied that he was out of the office and gave me the names of people I could contact in his absence. I did contact them but none replied. Only one sent an e-mail stating he was in a new position and referred me to a XXXX XXXX. No response there either. \n\nI received a call recently from XXXX XXXX stating he was so sorry for everything that was happening, as much as was humanly possible. I told him I am a very forgiving person but said he was the Director of Compliance. I said I held him to a higher standard. I told him my account has been so mishandled that a forensic accounting is needed. I told him to do the right thing and conduct s forensic accounting. He replied \" I don't know if I can do that ''. His Ombudsman 's office finally agreed last week to do a forensic accounting but I doubt they will be able to finalize this by my closing date. There is just silence from Select Portfolio Servicing. \n\nI have been on the phone daily with the Ombudsman 's office and various agents at Select Portfolio Servicing begging for documents required by the new servicer. It was like pulling teeth. Nothing flowed smoothly. My most recent mortgage payments were also misapplied and not reflected properly in the requested payoff letters. The stress Select Portfolio Servicing caused me was unwarranted. Their responsibility to their mortgage holders is to compliantly handle their accounts and their duties. They fail in both arenas. \n\nXXXX handled two of my previous mortgages. They charged bogus fees and also handled their mortgages non-compliantly. In my situation, I had to deal with the tragic death of my spouse and raising of XXXX young children. I reached out to XXXX for help and they claimed they never received my requests. They crisscrossed two separate mortgage accounts and forced me to go to XXXX daily and to XXXX XXXX them my proofs of payment on each account. They later claimed they lost my address and sent my mail to an obsolete address. They forced me into a bankruptcy where I lost one home. Despite the bankruptcy Judge 's order not to contact me, their company XXXX did contact me and tried to negotiate a double mortgage payment monthly to save the home I lost.. They sent me personal mortgage statements for an XXXX family in California. I received robotic, generated letters in duplicate and triplicate that made no sense. They never addressed the issues at hand. They had ruinners posting Foreclosure Notices on my properties. \n\nNow, Select Portfolio Servicing is doing the same thing - trying to cover their lies. I gave their Director of Compliance my spreadsheet which contains everything needed for analysis and resolution. Some things never change. \n\nAfter my bankruptcy, XXXX broke into my current home saying they were \" securing '' it. They were supposed to secure the home I lost in a different county!!! They tried to auction my home and never informed me. It's a miracle I still have a roof over my head. The Judge told me I can keep and live in one primary residence but XXXX thought otherwise. I have photographs. I have Police reports. I have receipts. XXXX refused to reimburse me for anything. I had to make claims to my Personal Home Insurance for XXXX 's damages. And this is all okay? I don't think so! \n\nXXXX took a year to issue a corrupt XXXX mortgage and told me if I didn't sign it as provided that I would lose my home. I signed \" under protest ''. You don't just add thousands of dollars to a mortgage after you were non-compliant and smile about it XXXX XXXX XXXX. XXXX was right. This is white collar crime. \n\nMy life was never the same after the bankruptcy. My credit was destroyed. You made my life XXXX and then the icing on the cake - you sold my XXXX mortgage to Select Portfolio Servicing.. Why pass the buck? I made no late payments. I complied with all the XXXX requirements. I was ahead on my payments. \n\nAfter twenty years and after contacting every government agency assigned to mortgage fraud I know why. The banks, the regulators, the lawyers, the Judge 's are all in on the fraud. The word compliance is an oxymoron for \" acceptable '' white collar crime. There will never be justice.- \" forget about it '' I attach two spreadsheets with my mortgage payment histories with XXXX and Select Portfolio Servicing. I also attach several e-mails I sent to XXXX XXXX and my attorney last week. I still expect a forensic accounting from Select Portfolio Servicing. This is the only way to get a handle on their deception. \n\nSad that a person has to waste another {$7000.00} just to break away from injustice with a refinance. I urge the CFPB with all that is within me to \" protect '' innocent consumers who have been incorrectly funnelled like a tornado into a bank 's bad batch of bad loans for no reason. After twenty years I am convinced all of this has happened to try to force a default on my loan. This is the only way XXXX  and the other banks involved with the bank fraud of the XXXX XXXX can eliminate their fraudulent accounts and appear \" good '' once again in front of their regulators. What a travesty! \n\nXXXX complaints and no enforcement? Please let our voices be heard.","date_sent_to_company":"2022-10-21T05:07:51.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"129XX","tags":null,"has_narrative":true,"complaint_id":"6111901","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2022-10-21T01:49:02.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["I <em>filed</em> a <em>complaint</em> with the CFPB on XX/XX/XXXX which was taken verbally by a CFPB agent. That <em>complaint</em> was incorrectly transcribed by the CFPB agent due his language difficulties and transcription errors were made in his documentation. I would like to delete it from your system and replace it with this <em>complaint</em> in my own words. The number assigned to the XX/XX/XXXX <em>complaint</em> was XXXX."]},"sort":[9.811037,"6111901"]},{"_index":"complaint-public-v1","_id":"16983019","_score":7.3814993,"_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\\ninspection if you are on 30 days OK offer for this one let me go <em>ahead</em> and double check. OK go for the \\n\\nYou\\nOK, I'm going \\n\\nParticipant\\nproperty inspection. Let me go <em>ahead</em> 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 <em>ahead</em>. Go <em>ahead</em>."]},"sort":[7.3814993,"16983019"]},{"_index":"complaint-public-v1","_id":"3829741","_score":6.523838,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX, XXXX, XXXX. \nXXXX XXXX XXXX XXXX, Maryland XXXX XXXX XX/XX/XXXX Mr. XXXX XXXX XXXX, President and Chief Executive Officer Pennsylvania Higher Education Assistance Agency ( PHEAA ) XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX Business Phone : XXXX Dear Mr. XXXX, This letter hereby provides personal- and professional notice of XXXX XXXX XXXX ( hereinafter, Borrower ) request for full and complete correction of FedLoan-PHEAAs ( hereinafter, PHEAA ), express agent ( s ) of U.S. Department of Education and Secretary of U.S. Department of Education , XXXX XXXX XXXX XXXX and knowing repeated ( XXXX ) demand ( s ) for seven student loans repayment in perpetuity i.e. repayment until death of Borrower with associated false representations PHEAA made in support of said clearly unlawful demand ( s ). Borrowers Consumer Financial Protection Bureau (  CFPB ) complaint # XXXX, filed- and PHEAA-received XXXX XX/XX/XXXX, is considered prior notice to PHEAA , U.S. Department of Education , et al. of issues herein. Timely response would, therefore, include all corrections completed with copies proving said correction to Borrower via U.S. mail within 15 calendar days of receipt of herein notice.\n\nPHEAA-DEPARTMENT OF EDUCATIONS KNOWING AND WILLFUL EXPRESS DEMAND FOR BORROWERS STUDENT LOANS REPAYMENT-IN-PERPETUITY, WITH FALSE REPRESENTATIONS  PUBLICATION TO THIRD PARTIES ( CRAs, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) AND TO THE U.S. GOVERNMENT ( NSLDS, CFPB, ET AL. ) INCLUDING E.G.  BORROWERS STUDENT LOANS ENTERED REPAYMENT XXXX XX/XX/XXXX ; PAST DUE AND MISSED PAYMENT ( S ) ; KNOWING AND WILLFUL PHEAA MISALLOCATION OF UNINTERRUPTED $ XXXX/MONTH PAYMENT FROM XXXX XX/XX/XXXX TO PRESENT-AUGUST XXXX, TO CREATE UNDERPAYMENT OF FIVE OF SIX LOANS WITH SIMULTANEOUS OVERPAYMENT OF SIXTH LOAN WITH LOANS UNDERPAYMENT FALSE REPORTING ; AND REITERATES VIA EXPRESS PUBLICATION BORROWER OWES BUT FAILS TO REPAY A SEVENTH LOAN FOR {$20000.00} NEVER DISBURSED/ZERO  BALANCE/CANCELLED XXXX XX/XX/XXXX. \n\nA. PHEAA EXPRESS ADMISSIONS ( EXHIBIT 1. through EXHIBIT 10. copies provided on XXXX  enclosed ).\n\nBorrowers loans in repayment to PHEAA are all fixed interest rate, original  balance total is {$76000.00} ( i.e. {$15000.00}, + {$10000.00}, + {$20000.00}, + {$10000.00}, + {$8300.00}, + {$12000.00} ). Borrower graduated XX/XX/XXXX from law school and said loans Entered Repayment XXXX XX/XX/XXXX under Standard Loan Repayment Plan ( EXHIBIT 5. and EXHIBIT 6. ). To date, Borrower has completed ( from XXXX XX/XX/XXXX through and including XXXX XX/XX/XXXX XXXX XXXX Standard Loan Repayment Plan uninterrupted, timely/no late, $ XXXX/month grouped account payments, total paid about, {$100000.00}, balance outstanding about, {$14000.00}, per FedLoans XX/XX/XXXX hardcopy monthly billing- and account status statement sent via U.S. mail, EXHIBIT 1. ; dated banks records showing monthly personal check ( s ) electronic withdrawals by PHEAA, EXHIBIT 2 . ( XX/XX/XXXX, example ) ; U.S. Express Mail FedLoan-signed-receipts of monthly payments, EXHIBIT 3. ( XX/XX/XXXX, example ) ; and, FedLoans letterhead copies of Borrowers account fromXX/XX/XXXX-XX/XX/XXXX EXHIBIT 4. Exhibits examples are representative of evidence supporting XXXX payments made by Borrower. \n\nStandard Loan Repayment Plan is defined : 34 C.F.R. 685.208 Repayment plans.\n\n( a ) General - ( 2 ) Borrowers entering repayment on or after XX/XX/XXXX. \n( i ) A Direct Subsidized Loan, a Direct Unsubsidized Loan, or a Direct PLUS Loan that was made to a graduate or professional student borrower may be repaid under - ( A ) The standard repayment plan in accordance with paragraph ( b ) of this section ; ( b ) Standard repayment plan for all Direct Subsidized Loan, Direct Unsubsidized Loan, and Direct PLUS Loan borrowers, regardless of when they entered repayment ...\n\n( 1 ) Under this repayment plan, a borrower must repay a loan in full within ten years [ 120 months ] from the date the loan entered repayment by making fixed monthly payments.\n\n( 2 ) A borrower 's payments under this repayment plan are at least  {$50.00} per month, except that a borrower 's final payment may be less than {$50.00}. [ emphasis added ] Contrary to PHEAAs assertion XXXX XX/XX/XXXX to CFPB, under Standard Loan Repayment Plan PHEAA knows or should have known PHEAA lacks authority to alter monthly payment  amount from {$1000.00} to {$1000.00} ( a difference of about $ XXXX/year or about {$0.00} total for 16 months maximum remaining under Borrowers Standard Loan Repayment ) for Borrowers account in good standing, said account solely consisting of fixed interest rate federal student loans. According to PHEAAs EXHIBIT 5. ( XXXX XX/XX/XXXX ) and EXHIBIT 6. ( XXXX XX/XX/XXXX ) loan officials letters, at $ XXXX/month PHEAA-established monthly payment, Borrowers loans will be paid-in-full prior to 120 months repayment deadline ( EXHIBIT 5. third paragraph bullet points ).\n\nB. PHEAAs False Representations Publication to U.S. Government : National Student Loan Data System ( NSLDS ), Consumer Financial Protection Bureau ( CFPB ), et al. ; and Credit Reporting Agencies ( CRAs ).\n\n1. PHEAAs Amount Remaining False Representation ( s ) Publication to U.S. Government National Student Loan Data System ( NSLDS ), CRAs Borrowers credit reports, and CFPB in PHEAAs Company Response  dated XXXX XX/XX/XXXX. \n\nOn or shortly after XXXX XX/XX/XXXX, PHEA initially falsely represented in NSLDS that Borrowers Amount Remaining ( after 96/120 months uninterrupted, timely, $ XXXX/month repayment ) is more than {$120000.00}. \n\nAs quoted below, and PHEAA publishes in NSLDS, CRAs Borrowers credit reports, and to the U.S. Consumer Financial Protection Bureau ( hereinafter, CFPB, complaint # XXXX, filed XXXX XX/XX/XXXX, PHEAA company response XXXX XX/XX/XXXX, copy on NXT flash-drive enclosed ) stating : The Amount Remaining for each loan ( as referenced in your Exhibit 6 [ NSLDS ] attachment ) is calculated by adding the amount you have paid ( in principal and interest ) to the remaining principal and interest balances that you continue to owe as of a specific date. As an example, for loan sequence 5 [ original balance, {$15000.00} ], the document shows that you have repaid a total of {$19000.00} ( in principal and interest ) and that you continue to owe a remaining principal and  interest balance of {$4000.00}, as of XX/XX/XXXX ( the date referenced on the document ). By adding these two figures together, you arrive at the Amount Remaining of {$23000.00}. Please be assured that the figures represented have been calculated accurately. By applying this explanation to the other five ( 5 ) loans, you may determine that the remaining amount of principal and interest ( already paid and currently owed ) was  {$120000.00} as of XX/XX/XXXX. No additional debt has been added to your account. In addition, the credit reporting process is set up to report both principal and interest balances. [ emphasis added, not in original ] PHEAA falsely represents in NSLDS and CRAs that Borrowers NSLDS grouped six loans account Amount Remaining is {$120000.00} on XXXX XX/XX/XXXX. Per PHEAAs definition Borrowers Amount Remaining can never be paid-in-full/zero balance and said Amount Remaining can only increase with time despite Borrowers timely uninterrupted repayment. As shown in NSLDS ( CFPB complaint EXHIBIT 6. ) in Repayment Progress, on XXXX XX/XX/XXXX, PHEAA reports all Borrowers loans between 82 % -94 % Paid Off, consistent with PHEAA 's express ADMISSIONS. Nonetheless, PHEAA self-contradicts in same NSLDS report \" Repayment Progress '' section with the Amount Remaining being reported more than 120 % the amount Paid Off. No court of law may reasonably uphold PHEAAs transparently extortionate mathematic-no-sense false representations, transparent defamation per se for extortion of student loans repayment in  perpetuity or until death of Borrower. \n\nC. PHEAAs Repayment Entry Date : XXXX XX/XX/XXXX, false representations publication to U.S. Government National Student Loan Data System ( NSLDS ) and to CFPB in PHEAAs Company Response dated XXXX XX/XX/XXXX ; and to NSLDS professional-access foreseeable republication ( EXHIBIT XXXX. ) to University XXXX XXXX XXXX XXXX XXXX. \n\nIn direct contradiction of PHEAAs express admissions, herein Part A. EXHIBIT 1., and EXHIBIT 4., PHEAA falsely represents in NSLDS that all  Borrowers loans Entered Repayment XXXX XX/XX/XXXX, EXHIBIT 7. PHEAA, thereby, knowing and willfully falsely represents that Borrower made only four monthly payments from XX/XX/XXXX through XX/XX/XXXX, thereby supporting PHEAAs false representation that Borrower owes {$120000.00}. In direct contradiction PHEAA EXPRESSLY ADMITS only {$14000.00} balance outstanding in EXHIBIT 1. and EXHIBIT 4.. PHEAAs letterhead EXPRESS ADMISSION Borrowers Financial Activity Summary,  dated XXXX XX/XX/XXXX, EXHIBIT 4., shows 101/120 payments made timely uninterrupted from XXXX XX/XX/XXXX through and including XX/XX/XXXX. XXXX falsely represents that PHEAAs unilateral unlawful Administrative Forbearances and Deferment permit alteration of Entered Repayment Date. Borrower respectfully asserts under penalty of perjury that from XXXX XX/XX/XXXX to PresentXXXX XXXX, no Deferment or Forbearance was either Borrower requested or Borrower assented. Borrower asserts under penalty of perjury that no Identity Theft claim or application for Income Based Repayment was made. Absent lawfully-required Borrowers request- and assent to Forbearance and Deferment PHEAA is in plain violation of  34 C.F.R.682.211 and 34 C.F.R.685.204. PHEAAs action to knowingly and willfully falsely represent Entered Repayment Date XXXX XX/XX/XXXX is in unquestionable violation of the GA Data Provider Instructions [ for NSLDS ] Appendix A : Data Dictionary, Version 6.0, XX/XX/XXXX, page A-97 stating [ re Date Entered Repayment ] : This date should not be modified as a result of deferments, forbearance, or repurchase.\n\nOnce the loan [ s ] has [ have ] entered repayment, this date should not be changed, except to correct an error. ( Do not replace an original Date  Entered Repayment with the date associated with a new loan, or the date the borrower resumes repayment after deferment, forbearance or repurchase. ) https : //ifap.ed.gov/nslds-reference-materials/061920GADataProviderInstructionsV6https : //ifap.ed.gov/nslds-reference-materials/061920GADataProviderInstructionsV6, last viewed XXXX XX/XX/XXXX. \nD. PHEAAs repeated attempt to unlawfully obtain repayment for {$20.00} loan never disbursed to Borrower, balance zero.\n\nPHEAA also apparently falsely misrepresents in the professional [ law school official accessible, provided Borrower by law school Financial Aid Official ] NSLDS Borrowers account that two Direct Stafford Unsubsidized loans were PHEAA- combined ( code, D2 ) EXHIBIT 7. The false representation is that the second loan PHEAA unilaterally combined was  never disbursed to Borrower, zero balance/cancelled XXXX XX/XX/XXXX. The loan period falsely represented in in EXHIBIT 7., XXXX never existed for said loan. There exists no reason but for extortion for PHEAA to combine one loan disbursed with a second {$20.00} loan, zero balance, cancelled, never disbursed, while simultaneously reporting said never-disbursed-loan is Deferred, thereby PHEAA making a U.S. government database ( s ) published demand for second loans repayment never received/not owed, extortion per se. In  XXXX PHEAA prior falsely represented to CRAs Borrowers credit reports that said never-disbursed/zero balance loan for {$20000.00} was Special Payment :  Payment Deferred until XX/XX/XXXX ; Terms : Payment Deferred ; Pay Status : Paid or Paying as Agreed, EXHIBIT 8. Letterhead letter, EXHIBIT 5., dated XX/XX/XXXX, signed by XXXX XXXX , Senior Vice President Loan Operations and Client Relations, on page 1, paragraph 6 states : Separately, a request has been sent to the consumer reporting agencies to ensure the removal of Loan Sequence 4 ( refer to enclosure ) [ {$20.00} never disbursed to Borrower , paid in full ], so that it will no longer be reflected in your credit report. Now in NSLDS EXHIBIT 7., PHEAA XX/XX/XXXX expressly demands repayment of said $ XXXX balance loan. No one may either Defer or combine for repayment a loan never disbursed/cancelled/zero balance but for extortion.\n\nE. PHEAAs false representations publication to Consumer Reporting Agencies Borrowers credit reports with republication to XXXX XXXX XXXX, XXXX XXXX, denying Borrowers de minimis credit application. \n\nXXXX ( XXXX XX/XX/XXXX ) falsely expressly represents Borrowers FedLoan [ grouped-six loans ] payment ( s ) are Past Due, EXHIBIT 9. XXXX ( XXXX XX/XX/XXXX ) reports repayment entry XX/XX/XXXX or XX/XX/XXXX [ not actual EXHIBIT 4. repayment entry : XXXX XX/XX/XXXX ] with Terms Duration : 120 months not actual about 16 months ; Actual Payment Amount less than Scheduled Payment Amount : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; No Data Available : XX/XX/XXXX, XX/XX/XXXX, EXHIBIT 10. XXXX deleted all Borrowers credit report PHEAA-FedLoans tradelines. XXXX stated PHEAA tradelines were deleted because XXXX was after investigation unable to verify accuracy the information PHEAA reported or words to that effect. \nF. Defamation is defined in 28 U.S.C. 4101. Definitions.\n\nIn this chapter : ( 1 ) Defamation.\n\nThe term defamation means any action or other proceeding for defamation, libel, slander, or similar claim alleging that forms of speech are false, have caused damage to reputation or emotional distress, have presented any person in a false light, or have resulted in criticism, dishonor, or condemnation of any person.\n\n( 2 ) Domestic court. \nThe term domestic court means a Federal court or a court of any State.\n\nHere, as an officer of the court/attorney, Borrowers law license is predicated on financial responsibility mandated by ethics rules and state law ( Mass. Gen. Laws Ann. Ch. 30A13 ). PHEAAs false representations elaborated herein directly jeopardize Borrowers law licensure and law practice.\n\nH. PHEAAs false representations defamation to obtain money not owed extortion per se.\n\nAttempt to obtain payment not owed using publication of false representation ( s ) /defamation knowingly and willingly, thereby, unquestionably intentionally, resulting in foreseeable harm is defined in 18 U.S.C 875. Interstate communications.\n\n( d ) Whoever, with intent to extort from any person, firm, association, or corporation, any money or other thing of value, transmits in interstate or foreign commerce any communication containing any threat to injure the property or reputation of the addressee or of another or the reputation of a deceased person or any threat to accuse the addressee or any other person of a crime, shall be fined under this title or imprisoned not more than two years, or both.\n\nHere, PHEAAs false representations to NSLDS, CRAs, other third parties, and Borrower clearly involve both wire- and/or U.S. mail across state lines, evidence the court will clearly find to be U.S. mail fraud ( 18 U.S.C. 1341 ) and U.S. wire fraud ( 18 U.S.C. 1342 ) for said alleged extortion.\n\nI. Remedial options available to Borrower.\n\nFrom XXXX-Present-XX/XX/XXXX, Borrower has through numerous formal complaints to the CFPB and other extra-judicial authorities sought legally mandated accurate/not misleading with correction of plainly false repayment reporting by Department of Education-PHEAA required by law.  Department of Education-PHEAAs responses to said complaints per Borrowers student loans records show that from XXXX to Present-XXXX XXXX Department of Education-PHEAA escalated repeated express demands for increasing repayment not owed, e.g. XXXX XX/XX/XXXX, Amount Remaining, {$120000.00}. Simultaneous to said demands, Department of Education-PHEAA expressly ADMIT ( S ) no late or underpayment with repayment ( XXXX XX/XX/XXXX through and including XX/XX/XXXX ) of loans ahead of Standard Loan Repayment schedule, evidence indication of PHEAAs knowing and willful, i.e. intentional fraud. Another proximate consequence of Department of Education-PHEAAs said knowing and willful clearly false representations is Borrower currently faces loss of  ability to obtain even de minimis credit at reasonable rates, adversely affecting every aspect of Borrowers life including housing. \nNo rational human would, and neither will Borrower, uncontested in a court of law willingly repay in perpetuity extortionate debt PHEAA expressly ADMITS is not owed, defamation/libel for extortion per se. Neither will Borrower indefinitely continue making extra-judicial formal requests for Department of Education-PHEAA false representations corrections when said requests are inevitably followed by additional escalating injurious false representations including PHEAAs admitted check fraud theft ( CFPB  complaints XXXX submitted XXXX XX/XX/XXXX ). \nIn short Borrower seeks enforcement of Federal Family Education Loan Program ( FFELP ) rules and regulations ( 34 C.F.R. 682.100-682.800 ), not to vary them.\n\nAbsent Department of Education-PHEAAs prompt action to fully and completely correct with absence of any further injurious falsehoods publication such as those herein described, Borrower has no choice but to seek through ( Dodd-Frank Act 5 U.S.C. 702. Right of [ judicial ] review ) :  A person suffering legal wrong because of agency action, or adversely affected or aggrieved by agency action within the meaning of a relevant statute, is entitled to judicial review thereof. An action in a court of the United States seeking relief other than money damages and stating a claim that an agency or an officer or employee thereof acted or failed to act in an official capacity or under color of legal authority shall not be dismissed nor relief therein be denied on the ground that it is against the United States or that the United States is an indispensable party. The United States may be named as a defendant in any such action, and a judgment or decree may be entered against the United States : Provided, That any mandatory or injunctive decree shall specify the Federal officer or officers ( by name or by title ), and their successors in office, personally responsible for compliance. Nothing herein ( 1 ) affects other limitations on judicial review or the power or duty of the court to dismiss any action or deny relief on any other appropriate legal or equitable ground ; or ( 2 ) confers authority to grant relief if any other statute that grants consent to suit expressly or impliedly forbids the relief which is sought. \n\nHarm to Borrower of PHEAA/Department of Educations published false representations is given in Borrowers CFPB Complaint filed and PHEAA received XXXX XX/XX/XXXX which includes additional alleged legal counts for presentation to the court. It is Borrowers opinion that absent prompt and complete correction with absence of further false representations repetition, the court will have little difficulty finding Borrower has prior to litigation, after more than three years repeated attempts, exhausted administrative remedies, and that said contingent court case ( contingent on PHEAAs failure to promptly completely and fully correct PHEAAs false representations ) properly includes Defendants herein identified and others involved in said alleged federal student loan defamation-libel for extortion scheme.\n\nYour timely attention to this matter is most appreciated. \n\nSincerely, XXXX XXXX XXXX, Borrower CC : Consumer Financial Protection Bureau, www.consumerfinance.gov ; PH : XXXX. \n\nEnc. Both 1. and 2. are provided in the two ( 2 ) respective labeled folders on enclosed NXT-flash-drive.\n\n1. The complete CFPB complaint # XXXX, Borrower filed- and PHEAA-received XXXX XX/XX/XXXX, PHEAAs company response XXXX XX/XX/XXXX, and CFPB complaint EXHIBITS 1.-7.\n\n2. Herein notice letter to Mr. XXXX XXXX XXXX, with associated EXHIBITS 1.-10.\n\nEXHIBITS 1.-10. List.\n\nEXHIBIT 1. FedLoan billing and account status XX/XX/XXXX monthly statement sent by U.S. mail. Statement gives six-loans-group repayment total to date, {$100000.00}, and current balance, {$14000.00}. [ 1 page ] EXHIBIT 2. Example, XX/XX/XXXX payment, of bank statement records evidence for 102/120 monthly payments Borrower made by personal check showing electronic check withdrawal of {$1000.00} by FedLoan/PHEAA. [ 1 page ] EXHIBIT 3. Example, XX/XX/XXXX payment, of Borrowers U.S. express mail tracking and FedLoans signature receipt express government evidence of 102/120 monthly payments completed through and including XX/XX/XXXX. [ 5 pages ] EXHIBIT 4. FedLoan XXXX XX/XX/XXXX letterhead Borrowers account financial record ( s ) of Borrowers six-loans-grouped account, repayment entry date, XXXX XX/XX/XXXX through and including XX/XX/XXXX. FedLoan herein account report shows uninterrupted payments : XXXX XX/XX/XXXX-XX/XX/XXXX, in-full as-billed payments ; $ XXXX/month payments XX/XX/XXXX through and including XX/XX/XXXX, with no late payment. [ 39 pages ] EXHIBIT 5. FedLoan letterhead signed letter dated XXXX XX/XX/XXXX to Borrower from Ms. XXXX XXXX, Senior Vice President, Loan Operations and Client Relations. Letter confirms Borrowers six loans repayment completion on- or before 120 months Standard Loan Repayment completion XXXX XX/XX/XXXX. Letter expressly states that a seventh loan [ {$20000.00}, never disbursed/XXXX  balance/cancelled XXXX XX/XX/XXXX ] would no longer be reported in Borrowers credit reports. [ 4 pages ] EXHIBIT 6. FedLoan letterhead letter dated XXXX XX/XX/XXXX to Borrower from Ms. XXXX XXXX XXXX, Vice President, Loan Operations. Letter confirms that false representations change in XXXX to 130-145 months repayment from 42/120 months Term Duration would be corrected in Borrowers credit reports. This latter was not done. Further, said letter confirms Borrowers account in good standing  and monthly payment amount of $ XXXX/month ; and ratifies EXHIBIT 5. letter. [ 1 page ] EXHIBIT 7. Borrowers NSLDS professional-access  account file provided Borrower XXXX XX/XX/XXXX by University of XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX in response to Borrowers questions re PHEAAs false representations reporting to NSLDS in XX/XX/XXXX. Said NSLDS report shows Repayment Entry Date false representation change to XXXX XX/XX/XXXX from actual [ EXHIBIT 1., EXHIBIT 4., EXHIBIT 5., EXHIBIT 6. ] Repayment Entry Date of XXXX XX/XX/XXXX for all six loans. Said report also reiterates PHEAAs false representations in XXXX [ EXHIBIT 5., EXHIBIT 6., EXHIBIT 8. XXXX and XXXX  ], FedLoan-PHEAAs knowing and willful falsely representing that a {$20000.00} loan never disbursed to Borrower is owed by combining/D2-code of said zero-balance/never disbursed loan with one other loan in repayment thereby publishing the deliberately misleading representation that said [ zero-balance ] paid-in-full {$20000.00} loan is in repayment. ( EXHIBIT 5. FedLoan-PHEAAs express ADMISSION no  payment is owed for said loan. ) [ 4 pages ] EXHIBIT 8. FedLoan-PHEAA knowingly and willfully false representing in XXXX and XXXX   Borrowers credit reports that a {$20000.00} loan never disbursed to Borrower is owed by falsely reporting : Payment Deferred, Deferred Pay  Start Date XX/XX/XXXX, Special Payment : Payment Deferred until XX/XX/XXXX, Current ; Paid or Paying as Agreed Payment Deferred. No person ( includes government agency/cies and corporation ( s ), etc. ) may repeatedly, EXHIBIT 5. ( XXXX-EXPRESS ADMISSION ) and EXHIBIT 7. ( XXXX ) falsely publish to- and by third parties Borrowers liability to repay a zero-balance loan/never disbursed/cancelled absent knowing and willful/intent to extort. [ 4 pages ] EXHIBIT 9. Borrowers XXXX  credit report dated XXXX XX/XX/XXXX. Borrowers six student loans serviced by PHEAA are monthly paid by a single payment, a grouped account. Herein credit report states on page 5 Borrowers loans are Past Due. Repayment is shown as beginning XX/XX/XXXX not the actual Repayment Entry date of XXXX XX/XX/XXXX. Repayment reporting is from XX/XX/XXXX, not valid XXXX XX/XX/XXXX repayment entry date, with 120 months payment due. This latter falsely represents that Borrower owes 20 months additional repayment to get to 120 months/paid-in-full, which at $ XXXX/month is about {$21000.00} repayment, already repaid/not owed but not PHEAA credit reported, unquestionable defamation for extortion per se. Further, PHEAA falsely represents [ Current/XXXX XX/XX/XXXX ] High Balance equal each loans Original [ Disbursed ] Balance for the entire reporting term, XXXX to Present ; and, Terms : paid monthly for 120 months when, in fact EXHIBIT 5. and because of CARES Act zero interest rate, less than 16 months repayment ( XX/XX/XXXX, {$14000.00} ) total outstanding remains on all six loans. [ 4 pages ] EXHIBIT 10. Borrowers XXXX  credit report dated XXXX XX/XX/XXXX. Here, PHEAA reports repayment entry on XX/XX/XXXX, not actual Repayment Entry date of XXXX XX/XX/XXXX. This latter falsely represents that Borrower owes 79 months additional repayment to get to Terms Duration : 120 months [ to paid-in-full ], which at $ XXXX/month about {$85000.00} repayment, already repaid/not owed but not PHEAA credit reported, unquestionable defamation for extortion per se. Further, PHEAA falsely represents [ Current/XXXX XX/XX/XXXX ] High Balance equal each loans Original [ Disbursed ] Balance for entire reporting period XXXXPresent ; and, Terms : paid monthly for 120 months when, in fact EXHIBIT 5. and because of CARES Act zero interest rate, less than 16 months repayment ( XX/XX/XXXX, {$14000.00} ) total outstanding remains on all six loans. 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