He made a credit card balance transfer of {$9500.00} to my XXXX XXXX checking account which he then withdrew through wires and XXXX. At the moment of all this happening, he was telling me to check my Chase accounts and my XXXX XXXX accounts so I was logging in and seeing the fraudulent activity. He kept assuring me that this was being taken care of, so I am not sure how, but he had ways to manipulate my account and what I was seeing. When he made the balance transfer of {$9500.00} into my XXXX XXXX checking account, he asked me if I could see it on the screen, which I said yes, and he told me thats my refund, but it had been over-refunded. He explained he had kept trying to push forward the refund but the system was unresponsive and slow, so it must have finally pushed it out into one big lump sum.\n\n
As I did not realize that I was being tricked, I followed his instructions to help send him the over-refunded amount because he said he would get in trouble if I didnt help. Throughout the whole week while this man was supposedly helping me he was draining the money from my account. \n
When I realized that the person I was trusting all this time had betrayed me, I contacted Chases fraud dept ( XX/XX/XXXX ) and told them everything. They reviewed my case and told me they would take care of it ; they quickly reversed the fraudulent charges and the balance transfer amount. I thought the worst was behind me, until I realized that Chase reneged on me when I saw the {$9500.00} balance transfer amount appear in my statement 2 months later. \n
Believing this amount was due to an error, I called the Chase fraud dept and spoke to a woman named XXXX XXXX XXXX on XX/XX/XXXX. After repeating my story to her, she told me that since the funds left the account, it was my responsibility to pay for it and she can not help me. I reminded her that Ive been a loyal customer for more than 20 years and have never missed a payment, in fact I pay in full every time, but that meant nothing to her. I asked multiple times to speak to her supervisor but she would not transfer me, instead she backed me into a corner questioning why it took me so long to realize I was being lied to. I told her she should not assume that everyone knows how banks operate and what types of information they are allowed to get from clients. I am not a person that interacts with banks so I dont know how they operate and where to draw the line. She continued to guilt and shame me. She literally said to me that I allowed this to happen to myself in a condescending manner. She showed me no empathy or understanding of what I had gone through, and I confessed to her how awful and devastating it has been on me mentally and how stupid I felt when I realized what had truly happened, and how it made me question and doubt myself about everything. I responded, Please dont say that I allowed this to happen to myself and I begged on behalf of all victims for her to never tell someone they allowed themselves to be victimized, and at the very least extend some empathy for what had occurred. I also told her that if she has ever spoken to anyone that has been scammed or frauded in the past, they will all confirm that they absolutely did not know what was happening to them in the moment, until unfortunately it was too late. I think that if I had told my story to a robot, Im sure a robot would have been more kind to me. Obviously if I knew what was happening I would stop it immediately, and that is what I thought I was doing by working with someone from the bank it is not my fault this person disguised himself as a bank rep. \n
She remained firm on her position and tried to push me off to the payments team to work with them to come up with a payment plan since in three weeks Ill have a $ XXXX payment due. I was supposed to have an interview later that afternoon but I had to reschedule it because I broke down crying on my call with XXXX XXXX XXXX and I mentally would not have been able to get through it and bring my best self to the interview. \n
The reason it has taken me so long to file this complaint is because I tried hard to put all of this behind me and move on from it, but as time passes I realize how absurd it is that one of the biggest banks in America is unwilling to help me. I am also still shocked at the rudeness and unkindness of XXXX XXXX XXXX and how it poorly reflects back on Chase. I thought when I first spoke to Chase at the very beginning, they had my back when they quickly reversed the funds from my statement. I was wrong when 2 months later they reneged, pulled the rug out from under me, and put it back on me to pay. Not only have I been lied to and betrayed by the fraudster but also by Chase. {$9500.00} is a drop in the bucket to them. For all we know, it could have been an inside job and no one would be able to prove otherwise, because they never bothered to stop or go after the bad guys, instead they punish their own loyal customers. \n
Attached statements will show the fraudulent activity taking place in XX/XX/XXXX and the reversal of funds. The XXXX statement will show that the reversal had taken place. The XXXX statement will show Chase adding {$9500.00} back on my bill.","date_sent_to_company":"2022-06-08T20:39:18.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90022","tags":null,"has_narrative":true,"complaint_id":"5597525","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-05-25T01:01:38.000Z","state":"CA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I thought the worst was behind me, until I realized that Chase reneged on me when I saw the {$9500.00} balance transfer amount appear in my statement 2 months later. \n
Believing this amount was due to an error, I called the Chase fraud dept and spoke to a woman named XXXX XXXX XXXX on XX/XX/XXXX. After repeating my story to her, she told me that since the funds left the account, it was my responsibility to pay for it and she can not help me."]},"sort":[9.819968,"5597525"]},{"_index":"complaint-public-v1","_id":"6814405","_score":9.599598,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX or XX/XX/XXXX I was contacted from a phone number that was unrecognizable to me showing as XXXX. I answered the phone identifying as XXXX. The caller asked is this XXXX and I answered, yes. The caller then stated my date of birth of XX/XX/XXXX. I said, Hold on I am not verifying any information with you. The caller then states, I am not trying to verify any information I already have all of you information. I said, You know what I am not verifying any information or speaking to you further unless you can tell me who you are, where you are calling from, and what this call is in regard to. The caller then refused to verify any of that information, so I said, have a nice day! and hung up the phone. After I got off the phone, I looked up this number of XXXX online and it said it was a scam caller by the name of XXXX XXXX. This is reported online to happening to hundreds of other people. At this point I thought I was being scammed. I immediately downloaded XXXX XXXX and signed up for a 30-day free trial. The app immediately had a red warning stating that my personal information had been compromised to the dark web and to change all my username and passwords as a data breach had occurred from a website that had my information from years ago. \nUltimately, I called the number back again and was put through to a voicemail stating I had reached the desk of XXXX XXXX and to leave a message. At this point I became extremely paranoid and scared that my identity was being stolen. Many scams had been recently reported that seemed very similar to what I was already experiencing. I became angry and confused and I felt helpless. The only thing I felt I had control to do was to keep calling back this number until they admitted who they were and why they were calling me. Upon calling back again a woman answered the phone who stated her name was, XXXX. At this point I assumed this was a man and a woman or couple from the dark web tying to steal my identity. I felt that I was not the only one they were scamming but possibly hundreds if not thousands of other people and this made me even more upset. I continued to call, call, and call. All the whole either the same man or woman would answer seeming completely deceptive only stating things like. You think this is all a game and you are about to find out. Or just stating my name in a creepy way. XXXX I felt as those these scam artists were very skilled, and I may be dealing with expert scam artists that would go to great lengths with trying to obtain my information to steal my identity or file income taxes under my name since I hadnt filed yet. \nMeanwhile 24-48 hours had past, and I continued to call them, and I continued to receive multiple calls from phone numbers from a XXXX or private number and none of which I answered. I then tried to call the scammers back but now it appeared they had blocked my number. I felt a sense of relief because I thought now just maybe they will leave me alone and not reach out to me for my private information again. At this point I know I must have made these scam artists very upset or angry to the point they would go to any length now to get what ever it was that they wanted. I received a call from XXXX on XX/XX/XXXX with a voicemail stating, XXXX XXXX XXXX Police Department Officer XXXX asking me to give him a call as soon as possible. After listening to the message, I blocked the number. At this point I thought this was in fact not the police but XXXX XXXX impersonating the police. Now I was even more concerned and often complicated contacting the local authorities to report that I was a victim of harassment and a possible scam and now this guy is impersonating an officer. If you listen to the mans voice on the voicemail and the man who let me a voicemail stating, they were an officer they sounded too alike to reasonably decipher. I even listened to the message several times. \nWe are now moving to XX/XX/XXXX. My father called me frantic and told me that the police had just contacted him and that they were trying to get a hold of me. My heart sank and now I was even more scared as I thought this scam artist was now contacting my family to obtain my private information. I expressed these same concerns to my father who then told me that it was legitimate and then told me why the police were looking for me. He told me the police said it was a debt collection agency that was attempting to contact me regarding a valid debt of XXXX XXXX At the time I couldnt even think of a debt that would have been sent to collections. I apologized to my father that this scam artist was contacting him and that that couldnt be the real police. Next my brother contacted me via XXXX messenger and told me I needed to call the police immediately or they were putting a warrant out for my arrest. He gave me the number to call and was really upset. \nIn the meantime, I made an educated guess at the only reasonable debt that may have mistakenly gone to collections, and it would have been an ambulance bill. I contacted the ambulance billing company to inquire, and they confirmed it was sent to collections and it was sent to Commercial Acceptance in which they also provided a XXXX number to. The woman on the phone apologized and said it looks like it was sent in error to the collection agency. They were pulling back the debt and allowing me to pay it off in full off my HSA card. I found my original email and payment from several months ago and I thought they bill was taken care of. I paid on through my insurance carried website through a third-party payor with my HSA. For unknown reasons it was stuck in pending and the payment never processed. I ended up calling the ambulance billing department back on XX/XX/XXXX and paid the debt in full. \nXXXX XX/XX/XXXX I then called the officer and spoke with an XXXX XXXX. I explained everything that happened, and he advised me that the people contacting me were not scam artists but a debt collection agency. He told me to call and apologize and to work out the debt. I couldnt call them to work the debt out as they had blocked my number. And this was even more of a reason I thought it was a scam. I apologized to the officer that this was all a huge misunderstanding, but he seemed to not really want to hear much of anything I had to say. His mind was made up and he was charging me with a misdemeanor of harassment for excessively calling this business and then even accused me of having the business called via robot dialer over XXXX times. I told him this was not true and that I didnt even know what a robot dialer was. I did admit to calling excessively myself though and that I was upset, confused, and felt as though I was being scammed or my identity stolen. I didnt know how to explain why I reacted in the way I did but I did. He really didnt have any concerns about my claims. At this point I still even questioned whether this was real or a scam.\n\nThe officer then attempted to verify my address which I didnt feel comfortable doing. He told me he was sending me a citation or summary offense in the mail and that I would need to plead guilty or not guilty and that I would need to come to court several hours away. I feel that a full investigation on both sides never occurred as I feel the charges are wrongful, frivolous, and do not merit a misdemeanor. I never once swore, made threats, hurt anyone, put anyone in danger. Is all I did was call multiple times. I feel as though I need to file a complaint on this officer. \nI did call the debt collection agency at a XXXX number and spoke with XXXX. I apologized for my multiple calls and advised her I thought her, and XXXX XXXX were scam artists and that is why I acted the way I did. I advised her that if they were not deceptive and just told me who they were and what they were calling about then I would have never acted that way and that none of this would have happened. \nThis so-called debt collection agency was highly deceptive and broke The Fair Debt Collection Practices Act. They recorded me without my knowledge. They refused to tell me that the call was regarding collecting a debt and that any information would be used for the sole purpose of collecting said debt. They refused to identify who they were, where they were calling from, or what they were calling about. If I had known they were a debt collection agency none of this would have ever happened from my side. I never received a written notice of any debt or had any chance to dispute or validate the debt. It was abusive practice to cause harm or beyond a reasonable doubt the illusion that I was being scammed. I feel they were trying to scare me into giving them money or private information. The debt collection agency also told a law enforcement agency I owed an invalid debt and the police even shared this with my family. I feel that my privacy, security, and over all rights were violated by the police and the debt collection agency. I feel that they were working hand in hand together. I was never given any information at all. I feel that I need to contact the Consumer Financial Protection Bureau and the state attorney generals office to report this as well as obtain legal counsel criminally and civilly as now I feel as though my character has been attacked or defamed.","date_sent_to_company":"2023-04-10T03:49:24.000Z","issue":"Communication tactics","sub_product":"Medical debt","zip_code":"151XX","tags":null,"has_narrative":true,"complaint_id":"6814405","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Commercial Acceptance Company","date_received":"2023-04-10T03:30:32.000Z","state":"PA","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["I continued to call, call, and call. All the whole either the same man or woman would answer seeming completely deceptive only stating things like. You think this is all a game and you are about to find out. Or just stating my name in a creepy way."]},"sort":[9.599598,"6814405"]},{"_index":"complaint-public-v1","_id":"11422007","_score":9.301702,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXXXXXX I usually get myself all worked up and write you guys a long, blathering, angry message here. This time I am here with hope for the first time in a very very long time that my life can continue after what Experian has done to it, since you have made it very clear that you are aware that Experian has clearly not been investigating anything after filing disputes, even as they relate to Identity theft, which has been reported and accompanied by my FTC Report and police report many times. If you need anyone to come and talk, share evidence about exactly what happens to a persons life when Experian does what they have done to mine please let me know. I do this every single day, all day long. \n\nHere is an email that I sent to them, you, the FTC, AZ Attorney General, FCC, local police, and have continued to follow up on, only to receive a standard boilerplate response ( also attached ) : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) XXXX XXXX XXXX Social Security number. XXXX Date of birth. XXXX Complete addresses for the past XXXX years : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Dear Experian, I am writing to address the ongoing and unacceptable handling of my identity theft disputes. This response references numerous communications, disputes, and supporting documentation I have provided over the past year, which have been repeatedly ignored, mishandled, or dismissed without proper investigation. \n\nAdditionally, I am including details of severe mismanagement by your representatives and IdentityWorks that further exemplify the negligence and discriminatory treatment I have faced Failures by Experian and XXXX Three-Way Calls with XXXX XXXX and Missing Recordings XXXX XXXX XXXX my assigned restoration specialist with IdentityWorks, facilitated three-way calls with various creditors and myself to address the fraudulent accounts. During these calls, I personally spoke with creditors, provided consent for XXXX to listen, and allowed her to clarify or rephrase my statements. While her approach was sometimes too strong in tone, her efforts were a step toward resolving my disputes. \n\nFollowing these calls, XXXX advised me to file an insurance claim with XXXX to address the damage caused by the fraud. She successfully connected me to an XXXX claims specialist, but after that initial contact, I was unable to reach XXXX again. Calls to their number were redirected to Experian or, in some cases, Discoverboth of whom were unhelpful and appeared to prioritize XXXX interests over resolving my claims. \n\nAfter XXXX was no longer with XXXX, another representative took over my case. This individual was far less effective, failing to provide meaningful support and even pressuring me to confirm invalid dates for the insurance claim that could have made me liable for potential insurance fraud. By the time I obtained a copy of the policy and terms, enough time had been wasted that filing the claim would have required backdating. \n\nDespite these critical conversations and the work done during the three-way calls, neither Experian nor XXXX has provided copies of the recordings, even after legal requests were submitted by my attorney. As I am in a one-party consent state, I am legally entitled to these recordings, which are crucial evidence for resolving my disputes. Your failure to provide these recordings is obstructive and unacceptable. \n\nRepeated Mishandling of Follow-Up Calls After Cassandras departure, I experienced another round of poor handling by your representatives. I went through the same process of three-way calls with creditors, only to find the same lack of resolution and accountability. This pattern of disruption and mismanagement has not only delayed progress but has also compounded the stress and harm caused by these fraudulent accounts. \n\n-- - Systemic Issues and Discrimination In addition to the failures outlined above, I strongly believe I am being targeted unfairly due to my XXXX, which you may perceive as making me an easy target. Your representatives have treated my identity theft case with neglect and disdain, often behaving in ways that suggest they find my situation amusing or trivial. I have been mocked, dismissed, and outright ignored while being forced to endure an unprofessional and degrading process. \n\nWhen I raised concerns about this treatment potentially being discriminatorygiven that I am a person with XXXX that impact my memory and ability to navigate your convoluted processesyour representatives failed to provide any meaningful response or resolution. \n\nThis behavior is appalling and unacceptable. If Experian 's mishandling of identity theft cases is universal, it reflects a gross systemic failure. However, if this behavior is isolated to my case, it constitutes outright discrimination against a person with XXXX. Either scenario is deeply troubling and warrants immediate investigation. \n\n-- - Impact of Your Negligence Your failures have caused irreparable harm : My credit is in ruins, preventing me from functioning financially or professionally. \n\nI am forced to sell my home in an emergency due to your inaction. \n\nI am living with life-threatening conditions, including stage XXXX XXXX cirrhosis and autoimmune XXXX, which have been severely impacted by the stress and lack of access to life-sustaining medication caused by your mishandling. \n\n-- - Demand for Immediate Action I demand the following : XXXX. A thorough investigation into all disputes submitted. \n\n\nXXXX. Immediate removal of all fraudulent accounts and errors from my credit report. \n\n\nXXXX. Written confirmation of these corrections within XXXX days. \n\n\nXXXX. Clear communication from a qualified representativenot automated messages or untrained staff. \n\n-- - I have exhausted every avenue to resolve this matter with you. Your negligence has not only destroyed my credit but has directly impacted my ability to live, work, and care for my family. If these issues are not resolved, I will be forced to escalate this matter further through regulatory agencies, legal action, and media channels. \n\nThe extent of the damage Experian and XXXX have caused can not be understated. It is now your responsibility to act swiftly and decisively to rectify this situation. \nXXXX copy of a government issued identification card, such as a drivers license, state ID card, etc. ( ATTACHED ) XXXX copy of a utility bill, bank or insurance statement, etc. ( ATTACHED ) Please also include the following identification information : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) XXXX XXXX XXXX Social Security number. XXXX Date of birth. XXXX Complete addresses for the past XXXX years : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX No response at all. I also, like usual, am being told by their robot that answers the phone that she can only transfer people in limited circumstances. When I call their fraud line. The only assistance she offers is for some reason removing a freeze, while the top of their app advertises a data breach that affected XXXX XXXX people and directs me to a page where I can pay for a \" credit lock '' instead.","date_sent_to_company":"2025-01-08T04:35:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85225","tags":null,"has_narrative":true,"complaint_id":"11422007","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-08T04:03:49.000Z","state":"AZ","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I also, like usual, am being told by their robot that answers the phone that she can only transfer people in limited circumstances. When I call their fraud line. The only assistance she offers is for some reason removing a freeze, while the top of their app advertises a data breach that affected XXXX XXXX people and directs me to a page where I can pay for a \" credit lock '' instead."]},"sort":[9.301702,"11422007"]},{"_index":"complaint-public-v1","_id":"3381959","_score":8.115801,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In typical fashion, Chase botched my application for its VISA Freedom card and, without informing me, changed an application I made into one I did not make, did not authorize, did not want, and do not want ( one with a wrong address on it ). In addition, it has violated my privacy, against my express wishes, and contrary to what I was told, it has stored and used an email address for me it told me years ago it had deleted and no longer retained. The habitual lies of its credit card division should be sanctioned definitively by the CFPB. If XXXX XXXX was sanctioned for making unauthorized applications for its customers, why is Chase allowed to do so? \n\nRecently, I applied online for the credit card because a hard copy application is not available to down load and use. To protect myself against Chases unauthorized use of my personal data, I want to submit my own applications that are completed in my own hand and to retain a copy of what I submit, but this is not allowed in the mindless age we live in. Chases changing my application as it did, without even telling me, into an application I did not make, is exactly why I do not want to apply through its website, because the website is not secure, especially from its own employees, and I can not obtain real proof of what I submitted. Chase engages in a harder-to-detect version of what XXXX XXXX became infamous for : applying for products that are not authorized by account holders. Chase altered the application that I tried to make in the only way it allows, and then submitted an application that I did not know about or want. It appears to have checked my credit for something I did not authorize, for something it advertised, falsely, a credit card I tried to apply for but was prevented from applying for by Chases unauthorized and untraceable alterations to the application I submitted. \n\nWorse than the foregoing, I would never have discovered Chases falsifying my application and using an email address it had told me years previously that it had deleted since I told it never to use it, unless I went into a Chase branch office recently in XXXX, VA when I was travelling, to see if I could get the card Id been approved for so that I could use it while returning home. I had seen through online banking that a new credit card had been set up under my accounts with a new account number, but could find no other information about it, such as the application that I had submitted for it or how or when I could get the new card. Later, some information was added on its online banking website, but subsequently deleted so that its reprehensible behavior could not be traced, no doubt. The number on the unusable credit card account it eventually sent to me is XXXX. Although I was told that it was activated after I followed steps to do so, it is blocked and Chase no doubt wants me to explain just how and why it screwed up the card. I prefer to have the CFPB do so. \n\nThe young gentleman who helped me in the XXXX branch called someone to try to find out about the new credit card that had been issued to me. He was told that it was sent to an address I had not used on my application, much less would want a credit card for. Thanks to the inept handling of the application, the address was changed by Chase without telling me which then sent me a credit card, at the wrong address, that I had not applied for and do not want. The gentleman then told the person on the phone to send it to the correct address where I eventually got it ( or another one ) but could not use due to more recalcitrant errors by Chase. In the middle of it all, Chase appears to want to talk to me about what theyve done, despite me applying for the card I wanted, no other, and despite the gentleman in the branch telling the credit card automatons to mail it, what a surprise, to the address on my application. Still this did not satisfy the deeply entrenched dysfunction of Chase credit cards, as I received a credit card, eventually, at the address on my application and was told in material that accompanied it that I had been approved and just needed to activate it. This, typically, was more weaseling and false advertisement from Chase. Although I was told by one of Chases myriad of unsupervised, lobotomized computers, that I succeeded in activating it, the card is blocked, I can not use it. Why doesnt the CFPB do some good and require Chase to get its credit card division to clean up its act? Heres a hint : only graduated sanctions of sufficient monetary amounts, freezing its ability to open new accounts, and not allowing it to pass on its bumbling operations ' expenses, including sanctions, to its customers, will get XXXX attention. But of course one wonders whether the CFPB really wants to get this kind of disciplinary attention of credit card issuers these days. \n\nNeither I nor other applicants should be abused, deceived and treated unfairly by the secret machinations of a deeply embedded, robotic culture at Chase credit card divisions that is not effectively sanctioned and prevented from wrong doing. \n\nGet this credit card working without requiring me to jump through any more hoops, particularly without having me to spend any more time talking to these intolerable XXXX XXXX, and ensure that my brother, XXXX XXXX XXXX, is credited with the advertised amount for referring people to apply for the Freedom Card. If it had not been for him, I would not have known about this credit card, much less applied for it. ( Online, in its typically creepy ways that the CFPB does nothing about, the credit card division requires an email address to award this credit, another sign of the below-the-radar invasion of peoples privacy that Chase credit cards engages in. Chase has the ONLY email address for me that I want it to have : XXXX, and I am forced in the obnoxious, harassing, invasive practices of Chase, to confirm this ad nauseum, each time I use online banking. )","date_sent_to_company":"2019-09-21T19:21:09.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"215XX","tags":null,"has_narrative":true,"complaint_id":"3381959","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-09-21T18:38:44.000Z","state":"MD","company_public_response":null,"sub_issue":"Sent card you never applied for"},"highlight":{"complaint_what_happened":["The gentleman then told the person on the phone to send it to the correct address where I eventually got it ( or another one ) but could not use due to more recalcitrant errors by Chase. In the middle of it all, Chase appears to want to talk to me about what theyve done, despite me applying for the card I wanted, no other, and despite the gentleman in the branch telling the credit card automatons to mail it, what a surprise, to the address on my application."]},"sort":[8.115801,"3381959"]},{"_index":"complaint-public-v1","_id":"2773528","_score":7.067581,"_source":{"product":"Student loan","complaint_what_happened":"I 'm currently preparing to apply for graduate school. I pay my XXXX loans monthly to XXXX and XXXX. On XX/XX/XXXX, I was notified of a hold on my XXXX XXXX University account preventing the release of transcripts when I attempted to have them sent to another school. \n\nI called the following day ( XX/XX/XXXX ) to inquire, and was told by my University that my XXXX loan was 24 months past due and had been sent to collections. \n\nI was surprised. I had never received a bill for this loan or any contact about it. The university representative explained that my mailing address had been changed twice, which I had not done. She said it had been changed internally. The original mailing address was correct, so I have no idea where anything has been sent for two years. They also had an outdated phone number that has n't been in use since XX/XX/XXXX. \n\nHowever, she said, because I had opted for electronic notification, statements were being sent to my university email account. \n\nHaving been out of school for three years, I retrieved my university email account. I found zero emails had been sent to me in regards to this loan. \n\nI did receive many emails asking me to sign the exit interview, the most recent from XX/XX/XXXX. I remember these emails because despite having signed it multiple times, it was never processed through XXXX 's poor website. It eventually worked, however XXXX still shows that I 've never signed it. \n\nSo, I used the Live Chat feature on XXXX 's website after reading horrendous reviews about their phone-based customer service. This Live Chat did not answer my questions and, at the end, was edited by XXXX and does not reflect the actual transcript. Below is the transcript, and please note the edits XXXX made to this conversation : Chat transcription : XXXX XXXX XXXX : Hello XXXX, thank you for using Live Chat! One moment please while I access your account. \nXXXX XXXX XXXX : Hi there! Thanks. \nXXXX XXXX XXXX : I have now accessed your account, how may I assist you today? \nXXXX XXXX XXXX : I actually just found out about this account today. Apparently, I 'm two years past due, but have never received a letter, email, or bill in relation to this loan. \nXXXX XXXX XXXX : This account has been assigned to collections and XXXX XXXX is no longer servicing it. The loan is now with XXXX XXXX XXXX. and you can contact them at XXXX for assistance. \nXXXX XXXX XXXX : Can you tell me why I never received a bill? \nXXXX XXXX XXXX : Did you have a valid mailing address on the account during the time it was with XXXX XXXX? \nXXXX XXXX XXXX : I don't know, since I never knew about this account. If all information came from my University, then there should have been. \nXXXX XXXX XXXX : Either way, you will need to contact XXXX XXXX XXXX., we can not assist you with this account. \nXXXX XXXX XXXX : I understand and appreciate the phone number. However, I still do not understand why Heartland never contacted me about this loan. If it 's not in collections, which affects my finances, this is a major concern. \nXXXX XXXX XXXX : Now in collections* XXXX XXXX XXXX : The account show bills as having been mail every month to ( correct mailing address was here ) throughout XX/XX/XXXX. \n\nXXXXMy replies, which were not read nor responded to by XXXX : XXXX XXXX : That is the correct address, thank you for checking. However, I never received anything. \nXXXX Sir, Im going to assume youre a real person and not a robot. Ive known about this loan for about two hours, and in that time Ive found a wealth of information online about others who - like me - never received bills in relation to their loans. I dont want the headache of contacting the XXXX or Consumer Financial Protection Bureau, or calling a lawyer. I want information about what methods were used to contact me, and records of them. \n\nXXXXThe next update to the chat erased my previous two messages. XXXX 's responses appeared in the chat transcript with inconsistent time stamps, not in the chat itself. These replies did not appear until the chat had ended : XXXX XXXX XXXX XXXX : Also, late letters and phone calls were issued throughout the year. \nXXXX XXXX XXXX : The account was reassigned to collections in early XX/XX/XXXX. \nXXXX XXXX XXXX : May I assist you with anything else today, XXXX? \nXXXX XXXX XXXX : I do apologize, due to no further response I will be ending the chat. If you are still in need of assistance, please do not hesitate to begin a new Live Chat session with us or you can also contact our office by calling XXXX and any of our representatives will be more than happy to assist you. We are here Monday-Friday from XXXX XXXX-XXXX XXXX Eastern Standard Time in our Call Center and we are available on Live Chat Monday-Friday from XXXX XXXX-XXXX XXXX and also on Saturday from XXXX XXXX-XXXX XXXX. Again, we do apologize we missed you but look forward to assisting you in the future. Have a great day and thank you for using Live Chat! \n\n\nMy concerns are three : 1. XXXX XXXX has a near-unanimous reputation from consumers for being deceitful, difficult, disrespectful, and cutting corners. I do not understand how they 're still contracted to handle student loans by public, government-funded institutions.\n\n2. My mailing address given to XXXX has been my parent 's home for eleven years. That it was internally changed twice to non-existent addresses seems incredibly odd, especially since I received my diploma in the mail without issue. Further, that XXXX in the Live Chat claimed my original address was what they had on file makes no sense. XXXX 's office informed me that XXXX had a different address. Before I could log in to the Live Chat, I had to provide my address. I believe the address XXXX provided during the chat was copied from this form, and they lied. \n\n3. This loan has now been given to another company, XXXX XXXX XXXX, without my knowledge until today. The original balance was small, only {$1000.00}, but now totals over {$1500.00} due to late fees for bills I never received. I received zero emails, phone calls, letters, bills, or any form of contact. The last email about my loan was as stated earlier, on XX/XX/XXXX, asking me to once again sign the exit interview from XXXX. I have not received any contact from XXXX XXXX XXXX or XXXX about this loan. \n\nI have a major ethical issue with so many universities across the country using this universally detested and shady company for collecting on debts. Yes, collections agencies get a bad reputation. But what XXXX XXXX has done to many consumers, including myself, is wrong. They are clearly comfortable making continuous clerical errors in order to turn profits off of fees. I was shocked to see the Live Chat transcript edited so heavily, but after reading dozens and dozens of stories about this company I 'm no longer surprised and simply disappointed in my university for using this company in the first place.","date_sent_to_company":"2018-01-06T00:15:18.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"982XX","tags":null,"has_narrative":true,"complaint_id":"2773528","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HEARTLAND PAYMENT SYSTEMS INC","date_received":"2018-01-05T23:33:07.000Z","state":"WA","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["XXXX 's responses appeared in the chat transcript with inconsistent time stamps, not in the chat itself. These replies did not appear until the chat had ended : XXXX XXXX XXXX XXXX : Also, late letters and phone calls were issued throughout the year. \nXXXX XXXX XXXX : The account was reassigned to collections in early XX/XX/XXXX. \nXXXX XXXX XXXX : May I assist you with anything else today, XXXX? \nXXXX XXXX XXXX : I do apologize, due to no further response I will be ending the chat."]},"sort":[7.067581,"2773528"]},{"_index":"complaint-public-v1","_id":"22083328","_score":6.1463413,"_source":{"product":"Mortgage","complaint_what_happened":"The company ( Wells Fargo ) responses are total XXXX!! They are not addressing the issues of their mismanagement of my account. There are 2 significant errors that lead to this entire situation and they are 100 % rsponsible for those errors, MISAPPROPRIATION OF MY PROPERLY SUBMITTED P & I FUNDS and A FRAUDULENTLY SUBMITTED COURT FILING.\n\n1 ) They redirected one of the payments I made for the monthly P & I to a third party company who had no business or rights to receive those funds. This created a situation where every payment I made after that transaction was \" late '' and they charged me late fees for it for 3 years, while I disputed the transaction. That payment was NOT DUE to the 3rd party becasue they did NOT OWN the property during this time and my funds were illegally sent to them. Wells Fargo redirected my timely payment from XX/XX/XXXX. The payment was alledgedly owed for XX/XX/XXXX, but the 3rd party transferred ownership to Wells Fargo on XX/XX/XXXX, so they clearly did not own the property nor have any right to any sort of payment. There is a purchase contract that proves this as well as Wells Fargo 's Billing statement from XX/XX/XXXX that also confirms the ownership transfer. Wells Fargo misappropriated my properly submitted P & I funds to a Non-Associated 3rd party wihich, in my humble opinion, is THEFT.\n\n2 ) Wells Fargo began charging me for a FORCED Home Owners Insurance Policy in XX/XX/XXXX. This was 100 % UNNECESSARY, as I had full and complete coverage with XXXX XXXX XXXX XXXX for 100 % of the time in question. I proved this to Wells Fargo with the assistance of XXXX XXXX and there is NO DOUBT that I was properly insured for the time period in question. I have emails from Wells Fargo CONFIRMING my XXXX XXXX insurance, but Wells Fargo inappropriately used this false billing to \" manufacture '' some sort of billing shortage, as they took my monthly P & I payments, which I made 100 % ON TIME, and paid this bogus and totally unnecessary forced insurance policy premiums for 9 months.\n\nThese 2 noted factors are 100 % accurate and easily provable using Wells Fargo 's own billing statements. I have pointed this out to them numerous times and they refuse to acknowledge the truth. Their Office of Executive Management, who is reviewing all this, is either corruprt or just plain stupid. Anyone with 1 oz. of common sense can see that they are 100 % wrong in these 2 key issues.\n\n3 ) This is probably the most aggregious action that Wells Fargo has taken. They used these 2 totally false scenarios, noted above, to file a FALSE FORECLOSURE on my property. The \" evidence '' they have submitted to the 53rd District Court for this foreclosure is 100 % false and a complete and total fabrication of the actual facts. THIS IS A FRAUDULENT LAWSUIT/FORECLOSURE!!\n\nThey have blocked me from making payments during this process and created an actual arears situation, which I have tried to resolve with their Home Preservation team, but they are extremely uncooperative. \nI am a 100 % XXXX Veteran and I swear on my Oath that these are the TRUE facts, 100 %, and I will not be bullied by Wells Fargo when they are in the wrong. Their Executive Office is not investigating anything and they refuse to acknowledge their significant error in this matter. They are submitting a bunch of mumbo jumbo XXXX as evidence, that they are correct and they are clouding the actual REAL issues in this matter.\n\nWells Fargo is making a MOCKERY of this whole appeals process and they are not participating in good faith to resolve these issues, which could easily be fixed.\n\nThey are 100 % at fault and have filed fraudulent court documents!! They are basically trying to steal my home or force me into a situation where I owe them a significantly increased amount of money. The loan in question was a simple HELOC loan with the noted 3rd party vendor. They did purchase this loan and I believe the reason they are pursuing all this made up XXXX is becasue the rate on the original note in question is only 2.61 %. They are losing money on this loan and they are trying to change that with these activities. I have a letter from their Home Preservation Dept which basically confirms/indicates that the 2.61 % rate is a problem.\n\nI WILL NOT QUIT FIGHTING WELLS FARGO BECAUSE THEY ARE 100 % WRONG and I WILL NOT BE A VICTIM!!\n\nSupport info Wells Fargo continues to refuse to provide useful and accurate responses to the new problems I have noted in my CFPB complaints. They are simply replying with the same inaaccurate information they have submitted previously. They have not personally contatced me in over 120 days and are not accurately addressing my concerns or working to resolve the numerous issues I have noted in my complaint ( s ).\n\nThe situation with their inaccuracies during the payment and insurance/escrow process are fixable, if they would simply acknowledge their errors and correct them. This has gone on for over a year and could have been resolved in the first 60 days ( XX/XX/XXXX ) if they would fix the problems they caused. I have noted that thier own billing documents 100 % fully support my claims of inproprities in their billing and escrow process. They accepted, then misapplied 10 of my P & I payments and manufactured a scenario where I appeared to be deficient in my payments, but that is 100 % inaccurate. They used my P & I payments for other than standard or necessary activities. If they correct the 2 main issues regarding my payments, this whole issue could be resolved. They refuse to even acknowledge any responsibility. The responsibility falls squarely on them. I made 100 % of my P & I payments and they misapplied these payments and this is NOT disputable!! I have submitted the prove to them previously. They need to fix that.\n\nAs a result of their noncompliance with my requests for repair, I am now filing a Motion to Dismiss their fraudulent Foreclose lawsuit. I will use thier own documents to prove to the court that their lawsuit is false, based on the misrepresentation/distortion of the facts. I will also file a counter lawsuit for repair of the damages I have incurred as a result of their inappropriate actions. They have 14 days from me filing this complaint ( XX/XX/XXXX ) with CFPB to actually reach out to me and in good faith work to resolve the issues they have created in this fiasco. I am a 100 % XXXX Veteran with XXXX years of service to my country and I have rights and deserve to be treated properly by Wells Fargo XXXX in a fair and just manner. They have refused/ignored my requests for resolution to this matter for months and I will tolerate it no longer. My motion to dismiss based on fraudulent information/documentation will be filed XXXX XX/XX/XXXX. \n\nWells Fargo is not addressing or properly responding to the issues I am raising. They continue to resubmit the same response and info that is false and not approriate or accurate to the issues I am raising. Nothing can be resolved if Wells Fargo will not properly address their errors and work to resolve them. To date, they are simply repeating the same inaccurate lies. I will not go away until they work to address and resolve the 100 % accurate issues i am presenting. They have lied on multiple issues and committed fraud by submitting a false petition to the court in regard to the foreclosure lawsuit. \nMy points are 100 % accurate and Wells Fargo continues to ignore them. I NEVER missed a payment and they used my P & I payments for nofarious purposes. \n\nWells Fargo continues to fail to properly respond to my legitimate complaint about their conflict resolution process. I have asked for the complaint to be escalated and reviewed by their legal department and I have requested information from phone calls that has yet to be provided. They have not properly responded to any of this. They are blatantly trying to abuse this process and are failing to address their inappropriate actions, which I have documented with significant proof ( ACTUAL BILLING STATEMENTS ). I will continue to file complaints until they actually respond, in detail, to the information provded in this complaint. They are not above the law, but they are certainly acting like they are and it is disgusting. Wells Fargo STOLE my P & I payments and used them for inappropriate purposes other than payments and then created a false narrative in order to file a Ficticious Foreclosure Lawsuit. They have provided all sorts of nonsensical information that does not apply to my complaint, of which the details ar enoted below. Wells Fargo is refusing to acknowledge their accountability in the issues I have presented. They have lied and created false scenarios that do not address my complaint. They filed a foreclosure lawsuit against me using false data, false numbers and created a scenario that looked like I was at fault or some sort of dead beat, but it is all lies. Now they are dodging any sort of real response by repeating the same lies. They are creating a paperwork smoke screen that is designed to direct attention away from their fraudulent activities and the filing of a Foreclosure lawsuit based on false data and these lies. The CFPB is not holding them accountable and they are simply lying to get out of doing the right thing. I will continue to file complaints until they actually acknowledge what occurred and correct their mistakes. I have proven that they misappropriated funds that I sent to them and used them for inappropriate activities on my account. They charged me for services that I did not need and then did not refund the money and claimed that I was in default. This is absolutely false and thier own documents, billing statements, prove that I am 100 % correct and they continue to hide the truth by dragging in non-sensical issues like XXXX XXXX. This was a simple HELOC that they bought from a 3rd party and not a government supported mortgage. Never was, but they are trying to say it is and ignoring the facts of what they have done to this 100 % XXXX Veteran after I served my country for 30 years.. I have asked them to escalate this to a higher authority and they claim to have no higher authority than these mindless robots who just keep repeating the same lies. I can and have proven, using thier own billing documents, that they misappropriated funds that I sent in to pay the P & I on my loan. I never missed a payment, they simply rerouted my payments to false \" entities '' and then wanted more money from me. Regardless, they mis-used funds that I sent to them and created a false deficit and are hiding behind a bunch of data that does not even apply to the situation I want addressed. I would like to hear from their Legal Department and see what they have to say about the mis-appropriation of my funds and the lies the Executive Office is putting forth. The bottom line is that I sent in 100 % of my payments. They used those payments for other that approriate activities. I had Home Owners insurance 100 % of my time with them and I, along with XXXX XXXX, have proven this.They took my P & I payments to pay some outrageous totally unnecessary insurance policy claiming that I had no insurance at all. They have most certainly broken the law, in my opinion, with some of this fund redistribution activity and filing a Lawsuit using this false data. I made 100 % of my P & I payments and that is indisputable and easily provable. They have recorded customer service phone calls that I made to them, that back up my allegations and they won't acknowledge or provide the call data. They lied to a District Court to get a Foreclosure Lawsuit filed against me and used false \" evidence '' to make it appear that I was in the rears, I was NOT!! I will continue to file CFPB complaints against them until I get some resolution in this matter and I am notifying XXXX XXXX about their illegal activities toward a Highly Decorated 100 % XXXX Veteran of the XXXX XXXX. I want a response from their Legal Department in regard to their activites, including filing a Fraudulent Lawsuit in District Court. I can prove my points to be 100 % accurate using their own billing statements and I can prove they are lying. Wells Fargo is corrupt, in my opinion and experience, and they have been in trouble with the government and legal authorites many times prior to his instance. They pay fines and then go right back to thier past activites. It's time for it to stop!!","date_sent_to_company":"2026-05-11T18:26:47.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"786XX","tags":"Servicemember","has_narrative":true,"complaint_id":"22083328","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-05-11T18:19:13.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["They have recorded customer service phone calls that I made to them, that back up my allegations and they won't acknowledge or provide the call data. They lied to a District Court to get a Foreclosure Lawsuit filed against me and used false \" evidence '' to make it appear that I was in the rears, I was NOT!!"]},"sort":[6.1463413,"22083328"]},{"_index":"complaint-public-v1","_id":"6111901","_score":5.431258,"_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":["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? 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