{"took":64,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":666,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"21765789","_score":17.172459,"_source":{"product":"Mortgage","complaint_what_happened":"* * Subject : * * Follow-Up CFPB Complaint Continued Servicing Errors, Split Identity, Inaccurate Reporting, and Failure to Respond to Notices of Error * * Loan No XXXX XXXX XXXX XXXX XXXX XXXX Prior CFPB Complaint : XXXX XXXX XXXXXXXX To Whom It XXXX Concern, I am submitting this complaint as a follow-up to my prior CFPB complaint referenced above. The issues previously raised remain unresolved, and additional servicing errors have continued.\n\n-- - * * 1. Split Identity / Successor to Self After Loan Assumption * * I completed a loan assumption in XXXX. Despite this, the account continues to be serviced under inconsistent borrower information. \n\nDue to my name change and incomplete system updates, I am effectively being treated as both the borrower and a successor in interest to myself. This has resulted in inconsistent account handling across systems.\n\n-- - * * 2. Account Still Tied to Deceased Borrower * * Although the loan assumption was completed approximately 11 months ago, the account remains tied to the deceased borrower in key servicing functions, including communications, loss mitigation, and account records.\n\nIn the servicers prior CFPB response, they acknowledged that final system updates to remove the deceased borrower were not completed. Despite this, servicing activity has continued based on incomplete and inaccurate borrower data.\n\n-- - * * 3. Conflicting Credit Reporting vs. Ongoing Collection Activity * * On or about XX/XX/XXXX, the account was reported to credit bureaus as paid in full, closed, and with a {$0.00} balance. \n\nDespite this, the servicer has continued to : * Issue collection and delinquency notices * Send foreclosure-related communications * Send late statements after the reported paid/closed status This reflects a direct contradiction between external credit reporting and internal servicing actions.\n\n-- - * * 4. Failure to Properly Handle Notices of Error ( NOEs ) * * * * * NOE dated XX/XX/XXXX * * * No formal response was provided * Acknowledgment was delayed * Acknowledgment was addressed to the deceased borrower rather than to me * * * NOE dated XX/XX/XXXX * * * No acknowledgment has been provided * No response has been issued Additionally, my Notices of Error were treated as general correspondence rather than addressed as formal disputes.\n\n-- - * * 5. Continued Collection Activity Immediately After Notice of Error and Inconsistent Communication * * A delinquency notice/payment demand was issued XXXX day after the servicer received my XX/XX/XXXX Notice of Error. An additional communication followed approximately XXXX days later that did not clearly state the amount owed and instead referred me to loss mitigation. \n\nThese communications were issued while : * The account had already been reported as paid in full and closed ( XX/XX/XXXX ) * The XXXX payment period remained within the applicable grace period * My Notice of Error remained unacknowledged and unresolved Additionally, ServiceMacs statements regarding repeated telephone contact attempts are not accurate. Only XXXX outbound call from the servicer occurred on XX/XX/XXXX, which is documented by voicemail. Any other calls reflected in XXXX were initiated by me, not by the servicer. \n\nThis reflects continued collection activity without evidence of review and inconsistent communication regarding account status.\n\n-- - * * 6. Mischaracterization of Communication as Cease and Desist * * On XX/XX/XXXX, the servicer issued correspondence stating that a cease and desist had been placed on my account. \n\nThis is inaccurate. I did not request that all communication cease. I requested that communications be provided in writing through appropriate channels. \n\nThis request was mischaracterized and appears to have affected how my account and communications were handled.\n\n-- - * * 7. Inconsistent and Incorrect Address Handling * * The servicer did not apply my correct mailing address consistently and, in some instances, combined address information incorrectly. \n\n* A XX/XX/XXXX letter was sent to my property address, where I was not residing at the time * That same letter reflected a combination of my property address and my temporary apartment number * The CFPB response dated XX/XX/XXXX was sent to my correct temporary address As a result, I did not receive the XX/XX/XXXX correspondence until approximately XXXX month later after returning to the property. \nThis demonstrates inconsistent and unreliable handling of borrower contact information.\n\n-- - * * 8. Inconsistent Statement Delivery * * I received a XX/XX/XXXX statement but did not receive statements for XXXX or XX/XX/XXXX. \n\nThis occurred while collection communications continued and while my Notice of Error remained unresolved, further preventing clarity regarding the account status and any amount owed.\n\n-- - * * 9. Premature Foreclosure-Related Communication and Inconsistent Delivery Method * * A letter dated XX/XX/XXXX states that the servicer has the right to invoke foreclosure. \n\nAt the time : * The account had been reported as paid in full and closed ( XX/XX/XXXX ) * The XXXX payment period remained within the grace period * My Notice of Error remained unresolved This letter was not sent via certified mail, despite its significance and inclusion of foreclosure-related language, while other communications from the servicer have been sent via certified mail. \n\nThis reflects both premature escalation and inconsistent handling of important communications. \n\n\n\nSincerely, XXXX XXXX XXXX XXXX XXXX : XXXX","date_sent_to_company":"2026-04-30T21:02:00.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"92545","tags":null,"has_narrative":true,"complaint_id":"21765789","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SERVICEMAC, LLC","date_received":"2026-04-30T20:28:03.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["<em>Continued</em> <em>Collection</em> Activity Immediately After Notice of <em>Error</em> and Inconsistent Communication * * A delinquency notice/<em>payment</em> demand was issued XXXX day after the servicer received my XX/XX/XXXX Notice of <em>Error</em>. An additional communication followed approximately XXXX days later that did not clearly state the amount owed and instead referred me to loss mitigation."],"issue":["Trouble during <em>payment</em> process"]},"sort":[17.172459,"21765789"]},{"_index":"complaint-public-v1","_id":"18394704","_score":16.928524,"_source":{"product":"Mortgage","complaint_what_happened":"I am submitting this complaint regarding ongoing mortgage servicing errors and mishandling by Rocket Mortgage , LLC beginning in XX/XX/XXXX and continuing through the present, which have caused financial harm, emotional distress, and inaccurate default and collection activity on my account. \nBeginning in XX/XX/XXXX, I contacted Rocket Mortgage multiple times seeking guidance and assistance related to my mortgage account. During these interactions, I was provided incorrect and inconsistent information by Rocket Mortgage representatives and/or contracted agents regarding payment timing, options, and how to avoid delinquency. I relied on this information in good faith. As a result of this misinformation and lack of clear guidance, my account became delinquent and I have been forced into a prolonged period of playing catch-up despite repeated efforts to resolve the situation. \nFrom XX/XX/XXXX through XX/XX/XXXX, I repeatedly contacted Rocket Mortgage for assistance and clarification. During this time : No clear or consistent resolution was provided Errors were not corrected despite repeated calls Representatives gave conflicting or inaccurate information No one took ownership of the issue or rectified prior misinformation On XX/XX/XXXX, I entered into a documented repayment arrangement with Rocket Mortgage during a phone call that lasted approximately XXXX minutes. That call was recorded. Under that agreement, payments were scheduled for XX/XX/XXXX and XX/XX/XXXX. \nDespite this repayment arrangement being established on XX/XX/XXXX : Rocket Mortgage issued XXXX separate Notices of Default dated XX/XX/XXXX, after the repayment agreement was already in place These notices inaccurately represented my account status I continued to receive automated collection calls after the repayment plan was established and after payment was made I made a payment on XX/XX/XXXX, consistent with the repayment plan. My next payment remains scheduled for XX/XX/XXXX. I am not currently XXXX payments behind, yet Rocket Mortgage has continued to send default and collection communications. \nWhen I contacted Rocket Mortgage to dispute the default notices and collection calls : Representatives acknowledged that the notices and automated calls would continue to be generated despite the repayment agreement and payment I was provided misleading and alarming information suggesting that repayment plans trigger default or foreclosure, which is inaccurate I was routed to automated phone numbers that do not provide live assistance I was hung up on during attempts to resolve the issue At no point has Rocket Mortgage fully corrected the servicing errors, suppressed inaccurate default and collection activity, or provided written confirmation resolving these issues. Instead, I have experienced a pattern of misinformation, lack of accountability, and refusal to correct known errors, forcing me to repeatedly defend myself against inaccurate communications while continuing to make payments. \nThis ongoing conduct constitutes : Inaccurate mortgage servicing Improper and misleading collection activity Failure to correct known servicing errors Misrepresentation of account status Failure to provide meaningful assistance despite repeated requests I have documentation supporting this timeline, including default notices, payment records, call logs, and recorded calls.","date_sent_to_company":"2025-12-31T17:49:35.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"58703","tags":null,"has_narrative":true,"complaint_id":"18394704","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2025-12-31T17:39:27.000Z","state":"ND","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["I am not currently XXXX <em>payments</em> behind, yet Rocket Mortgage has <em>continued</em> to send default and <em>collection</em> <em>communications</em>."],"issue":["Trouble during <em>payment</em> process"]},"sort":[16.928524,"18394704"]},{"_index":"complaint-public-v1","_id":"18893357","_score":16.71257,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting a follow-up complaint regarding XXXX XXXX XXXX XXXX and XXXX for continued debt collection violations after a prior CFPB complaint was closed. \n\nI disputed the alleged debt in writing on XX/XX/year>, based on material misrepresentation at enrollment. I explicitly asked whether I could cancel my membership at any time without additional charges after providing notice, and a XXXX employee told me that I could. I relied on that representation when signing the agreement. I also requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ). \n\nDespite my written dispute and request for validation, XXXX XXXX XXXX and XXXX continued to send collection emails and left a voicemail requesting payment. At no point has XXXX XXXX XXXX provided written debt validation in response to my dispute. I filed a CFPB complaint regarding this conduct. In their written response to CFPB, XXXX XXXX XXXX stated that all communications had been turned off at my request. \n\nHowever, immediately after the CFPB complaint was closed, the company resumed contacting me. On the following day, I received multiple collection emails demanding payment. XXXX message was briefly followed by an email stating it was sent in error, but then another collection email was sent moments later. \n\nIn addition, after my original dispute and CFPB complaint were submitted, the company increased the alleged balance from approximately {$28.00} to {$53.00} without providing any explanation, itemization, or debt validation. \n\nTo date, XXXX XXXX XXXX has not provided any debt validation addressing my dispute. The company has continued collection activity, resumed contact after stating communications were turned off, and increased the alleged balance during an active dispute. \n\nI am attaching copies of the post-CFPB collection emails showing continued contact and balance increase.","date_sent_to_company":"2026-01-21T17:01:43.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Other debt","zip_code":"36575","tags":null,"has_narrative":true,"complaint_id":"18893357","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Jim Bottin Enterprises, Inc","date_received":"2026-01-21T16:39:31.000Z","state":"AL","company_public_response":null,"sub_issue":"Contacted you after you asked them to stop"},"highlight":{"complaint_what_happened":["The company has <em>continued</em> <em>collection</em> activity, resumed contact after stating <em>communications</em> were turned off, and increased the alleged balance during an active dispute. \n\nI am attaching copies of the post-CFPB <em>collection</em> emails showing <em>continued</em> contact and balance increase."],"product":["Debt <em>collection</em>"]},"sort":[16.71257,"18893357"]},{"_index":"complaint-public-v1","_id":"12229036","_score":16.127836,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My credit report lists a XXXX XXXX account marked as \" Payment after charge off/collection '' and closed. \nHowever, this debt was fully settled in XX/XX/year>, as evidenced by payment records and communications with XXXX. Despite this, the account continues to reflect a \" charge off, '' which is inaccurate and violates the **Fair Credit Reporting Act ( FCRA ) **, as credit information must be both accurate and verifiable. On or around XXXX  XXXX, XXXX, I filed formal disputes with TransUnion and Equifax, submitting proof of payment, but the credit bureaus failed to correct the error, leaving the \" charge off '' notation intact. \nThis inaccurate reporting has significantly harmed my credit score and my ability to access fair credit terms.","date_sent_to_company":"2025-02-26T18:08:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33837","tags":null,"has_narrative":true,"complaint_id":"12229036","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-26T18:07:45.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["My credit report lists a XXXX XXXX account marked as \" <em>Payment</em> after charge off/<em>collection</em> '' and closed. \nHowever, this debt was fully settled in XX/XX/year>, as evidenced by <em>payment</em> records and <em>communications</em> with XXXX. Despite this, the account <em>continues</em> to reflect a \" charge off, '' which is inaccurate and violates the **Fair Credit Reporting Act ( FCRA ) **, as credit information must be both accurate and verifiable."]},"sort":[16.127836,"12229036"]},{"_index":"complaint-public-v1","_id":"12228915","_score":16.127836,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My credit report lists a XXXX XXXX account marked as \" Payment after charge off/collection '' and closed. \nHowever, this debt was fully settled in XX/XX/year>, as evidenced by payment records and communications with XXXX. Despite this, the account continues to reflect a \" charge off, '' which is inaccurate and violates the **Fair Credit Reporting Act ( FCRA ) **, as credit information must be both accurate and verifiable. On or around XXXX  XXXX, XXXX, I filed formal disputes with TransUnion and Equifax, submitting proof of payment, but the credit bureaus failed to correct the error, leaving the \" charge off '' notation intact. \nThis inaccurate reporting has significantly harmed my credit score and my ability to access fair credit terms.","date_sent_to_company":"2025-02-26T18:08:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33837","tags":null,"has_narrative":true,"complaint_id":"12228915","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-26T18:07:45.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["My credit report lists a XXXX XXXX account marked as \" <em>Payment</em> after charge off/<em>collection</em> '' and closed. \nHowever, this debt was fully settled in XX/XX/year>, as evidenced by <em>payment</em> records and <em>communications</em> with XXXX. Despite this, the account <em>continues</em> to reflect a \" charge off, '' which is inaccurate and violates the **Fair Credit Reporting Act ( FCRA ) **, as credit information must be both accurate and verifiable."]},"sort":[16.127836,"12228915"]},{"_index":"complaint-public-v1","_id":"12229457","_score":16.110554,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My credit report lists a XXXX XXXX account marked as \" Payment after charge off/collection '' and closed. \nHowever, this debt was fully settled in XX/XX/year>, as evidenced by payment records and communications with XXXX. Despite this, the account continues to reflect a \" charge off, '' which is inaccurate and violates the **Fair Credit Reporting Act ( FCRA ) **, as credit information must be both accurate and verifiable. On or around XXXX  XXXX, XXXX, I filed formal disputes with TransUnion and Equifax, submitting proof of payment, but the credit bureaus failed to correct the error, leaving the \" charge off '' notation intact. \nThis inaccurate reporting has significantly harmed my credit score and my ability to access fair credit terms.","date_sent_to_company":"2025-02-26T18:08:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33837","tags":null,"has_narrative":true,"complaint_id":"12229457","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-26T17:56:16.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["My credit report lists a XXXX XXXX account marked as \" <em>Payment</em> after charge off/<em>collection</em> '' and closed. \nHowever, this debt was fully settled in XX/XX/year>, as evidenced by <em>payment</em> records and <em>communications</em> with XXXX. Despite this, the account <em>continues</em> to reflect a \" charge off, '' which is inaccurate and violates the **Fair Credit Reporting Act ( FCRA ) **, as credit information must be both accurate and verifiable."]},"sort":[16.110554,"12229457"]},{"_index":"complaint-public-v1","_id":"1780184","_score":15.905235,"_source":{"product":"Debt collection","complaint_what_happened":"A debt collection company ( CBCS ) continues to harass me an d try to collect on a debt that has previously been paid. I have subsequent billing statements that show the debt as no longer being owed, and that I am 100 % current. \n\nOn their first attempt on XXXX XXXX, 2015, I sent a cease communications letter that explained that their charges were in error and that I choose not to work with a third party collection agency. \n\nOn XXXX XXXX, 2015, they sent an additional letter demanding payment. I replied stating that I do not wish to work with a third party collections agency and to please cease communication with me in regards to this error. \n\nToday, I received a third harassing letter demanding payment for a debt that I have previously paid in full to the original creditor. I have penned a third cease communication letter and will mail it out in the morning certified mail. \n\nI have copies of the certified mail receipts for the first two letters, and a copy of the letter 's themselves if needed. I suffer from XXXX ( XXXX ). I just want this harassment to stop! \n\nPlease feel free to contact me for additional information. \n\nThank you!","date_sent_to_company":"2016-02-10T00:25:28.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Medical","zip_code":"80016","tags":"Servicemember","has_narrative":true,"complaint_id":"1780184","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Credit Bureau Collection Services, Inc.","date_received":"2016-02-10T00:25:27.000Z","state":"CO","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["A debt <em>collection</em> company ( CBCS ) <em>continues</em> to harass me an d try to collect on a debt that has previously been paid. I have subsequent billing statements that show the debt as no longer being owed, and that I am 100 % current. \n\nOn their first attempt on XXXX XXXX, 2015, I sent a cease <em>communications</em> letter that explained that their charges were in <em>error</em> and that I choose not to work with a third party <em>collection</em> agency. \n\nOn XXXX XXXX, 2015, they sent an additional letter demanding <em>payment</em>."],"product":["Debt <em>collection</em>"],"company":["Credit Bureau <em>Collection</em> Services, Inc."]},"sort":[15.905235,"1780184"]},{"_index":"complaint-public-v1","_id":"20796087","_score":15.732971,"_source":{"product":"Student loan","complaint_what_happened":"This is my second complaint regarding my student loan servicer, MOHELA, and their ongoing failure to correct a verified account error. \n\nSince XX/XX/XXXX, my account has been incorrectly reported as delinquent despite my making all required payments on time and in surplus. I have contacted MOHELA by phone more than eight times, and in every instance, their representatives have confirmed that my payments were successfully received and applied. I have bank records to verify all payments.\n\nDespite these confirmations, my account continues to reflect a delinquent status in error, and I continue to receive calls stating I am more than 110 days past due. I was explicitly told my account would not be sent to collections ; however, collection-related communications persist.\n\nI previously filed a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX ( Complaint ID : XXXX ), which did not result in resolution. \n\nAn internal case with MOHELA was reportedly assigned on XX/XX/XXXX. On XX/XX/XXXX, I was informed that the case remained open and that an agent was reviewing additional information with a XXXX response timeframe ( through XX/XX/XXXX ). I have received no updates or resolution since that time. \n\nI also contacted MOHELA via email on XX/XX/XXXX and again on XX/XX/XXXX, and received no response to either communication. \n\nDue to the continued lack of resolution, I have now escalated this matter to the Federal Student Aid Ombudsman.\n\nThis issue has now persisted for over six months despite repeated outreach and confirmed payment history. MOHELAs failure to correct this error and continued misrepresentation of my account status raises serious concerns regarding servicing accuracy and potential improper credit reporting.","date_sent_to_company":"2026-03-31T03:59:42.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"92807","tags":null,"has_narrative":true,"complaint_id":"20796087","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2026-03-31T03:55:32.000Z","state":"CA","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Despite these confirmations, my account <em>continues</em> to reflect a delinquent status in <em>error</em>, and I <em>continue</em> to receive calls stating I am more than 110 days past due. I was explicitly told my account would not be sent to <em>collections</em> ; however, <em>collection</em>-related <em>communications</em> persist.\n\nI previously filed a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX ( Complaint ID : XXXX ), which did not result in resolution."]},"sort":[15.732971,"20796087"]},{"_index":"complaint-public-v1","_id":"18304095","_score":15.620797,"_source":{"product":"Debt collection","complaint_what_happened":"A tenant applied for an apartment at a multifamily property managed by the same landlord and initially signed a lease for an unremodeled unit. Prior to occupancy, the tenant elected to transfer to a remodeled unit within the same property, which carried a higher monthly rent. A new lease was executed for the remodeled unit, and the original unit was never occupied. All rent obligations were satisfied under the remodeled unit lease, and the tenant remained in good standing at all times. \n\nDespite this, the landlord incorrectly treated the original, unoccupied unit as a lease default and created an erroneous balance of {$1700.00}. This inaccurate balance was subsequently sent to a third-party collection agency and reported to the credit bureaus as a collection account. The reported debt does not reflect any missed payments, lease termination, or legitimate obligation, as the unit transfer replaced the initial lease. \n\nAfter discovering the inaccurate credit reporting, the tenant made multiple attempts over a period exceeding 30 days to contact the landlord to request correction and written confirmation that the balance was reported in error. These communications included email, text, and phone outreach. No response or corrective action was taken by the landlord. \n\nAs a result, the collection agency continues to report the inaccurate debt, causing ongoing credit harm. The landlords failure to investigate or correct the error after notice, and the continued reporting of a debt that is not owed, constitutes inaccurate credit reporting and ongoing consumer harm.","date_sent_to_company":"2025-12-26T21:18:00.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"85015","tags":null,"has_narrative":true,"complaint_id":"18304095","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HW Holding, Inc","date_received":"2025-12-26T20:46:57.000Z","state":"AZ","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["After discovering the inaccurate credit reporting, the tenant made multiple attempts over a period exceeding 30 days to contact the landlord to request correction and written confirmation that the balance was reported in <em>error</em>. These <em>communications</em> included email, text, and phone outreach. No response or corrective action was taken by the landlord. \n\nAs a result, the <em>collection</em> agency <em>continues</em> to report the inaccurate debt, causing ongoing credit harm."],"product":["Debt <em>collection</em>"]},"sort":[15.620797,"18304095"]},{"_index":"complaint-public-v1","_id":"15495590","_score":15.258707,"_source":{"product":"Credit card","complaint_what_happened":"I am disputing billing errors on two Synchrony Bank accounts ( a XXXX and a CareCredit account ). My credit union issued loan payoff checks to Synchrony Bank in XX/XX/year>XXXX  to satisfy these accounts in full. Synchrony accepted and applied the payments, then closed my accounts without notifying me. Despite this, Synchrony delayed posting the payments, allowed balances to increase in the interim, and continued charging interest and late fees after payoff and closure. \n\nSynchrony closed both accounts after payment and provided me with no notice of the closures. \n\nDespite closure, Synchrony has continued to add new charges, interest, and late fees, which should not occur on closed accounts. \n\nI notified a Synchrony chat agent in advance that payoff checks were coming, so the bank can not reasonably claim surprise or delay. In addition, I have been receiving daily collection calls, even though these accounts are in dispute. I have formally requested that Synchrony cease telephone contact and handle all communications by U.S. mail.","date_sent_to_company":"2025-08-25T18:45:17.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"490XX","tags":null,"has_narrative":true,"complaint_id":"15495590","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-08-25T18:31:40.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["I am disputing billing <em>errors</em> on two Synchrony Bank accounts ( a XXXX and a CareCredit account ). My credit union issued loan payoff checks to Synchrony Bank in XX/XX/year>XXXX  to satisfy these accounts in full. Synchrony accepted and applied the <em>payments</em>, then closed my accounts without notifying me. Despite this, Synchrony delayed posting the <em>payments</em>, allowed balances to increase in the interim, and <em>continued</em> charging interest and late fees after payoff and closure."]},"sort":[15.258707,"15495590"]},{"_index":"complaint-public-v1","_id":"17649804","_score":15.212959,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this new complaint because AAFES ( Military Star ) mishandled my account, failed to properly process my Voluntary Payment Plan ( XXXX  ), placed my account into collections even though I submitted the XXXX  on time, reported inaccurate payment information, and continues to provide misleading or false statements in their responses. Their actions have caused ongoing credit damage and violate FCRA accuracy requirements. \n\nXXXX. I Submitted My Voluntary Payment Plan ( XXXX  ) BEFORE the Account Was Sent to Collections, but AAFES Ignored It I submitted my XXXX  before XX/XX/XXXX. \n\nDespite this : AAFES did not acknowledge receiving my XXXX  AAFES still sent my account to collections, even though a repayment agreement had been submitted They only admitted they received the XXXX  months later, after I filed my first CFPB complaint This shows a failure to process consumer-provided documentation and a failure to maintain accurate internal records. \n\nThis is a violation of the FCRA because the resulting negative reporting is based on the companys own error. \n\nXXXX. AAFES Provided False Information About My Payment History AAFES stated in their previous CFPB response that the last payment they recorded was XX/XX/XXXX. \n\nThis is incorrect. \nThey have provided contradictory payment information in previous communications. \n\nMisreporting payment dates is explicitly an FCRA inaccuracy, and they have made no attempt to correct their inconsistent records. \n\nXXXX. On XX/XX/XXXX, I Sent a Demand Letter AAFES Ignored It On XX/XX/XXXX, I sent a written demand letter ( attached ) stating : Remove the account from collections Correct their reporting I would pay the entire balance once the account was properly corrected AAFES never responded to this letter. \n\nThey ignored a formal investigation request, which violates their obligations under FCRA 623 and under CFPB investigation standards.\n\n4. AAFES Continues to Report Inaccurate Information to the Credit Bureaus Because of their mishandling, the following information is inaccurate and requires correction : Placement date into collections Payment history Last payment date Delinquency date Internal handling timeline Because my VPP submission was ignored for months, the collection should be removed as a result of creditor error. \n\nAAFES continued reporting of this account as valid is improper.\n\n5. AAFES Internal Records Are Not Reliable Their internal responses are contradictory and irresponsible : They claimed they never received the VPP until the CFPB complaint They claimed incorrect payment dates They failed to respond to my demand letter They failed to investigate my dispute This demonstrates systemic mishandling of my account and supports my request for deletion due to creditor error.","date_sent_to_company":"2025-12-02T21:38:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"17649804","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Army and Air Force Exchange Service","date_received":"2025-12-02T21:27:34.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["AAFES <em>Continues</em> to Report Inaccurate Information to the Credit Bureaus Because of their mishandling, the following information is inaccurate and requires correction : Placement date into <em>collections</em> <em>Payment</em> history Last <em>payment</em> date Delinquency date Internal handling timeline Because my VPP submission was ignored for months, the <em>collection</em> should be removed as a result of creditor <em>error</em>. \n\nAAFES <em>continued</em> reporting of this account as valid is improper.\n\n5."]},"sort":[15.212959,"17649804"]},{"_index":"complaint-public-v1","_id":"18656931","_score":15.1403475,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting a complaint against PNC Bank regarding its failure to correct a billing error and its continued collection activity despite written dispute and documentation. \n\nOn XX/XX/year>, I scheduled a payment of {$45.00} through XXXX XXXX XXXX XXXX for my PNC credit card account, well in advance of the XX/XX/year> due date. PNC never processed or credited this payment. As a result, late fees and interest began accruing. \n\nAfter contacting PNC, I was instructed to resend the payment. I resubmitted the same payment on XX/XX/year>, which PNC processed on XX/XX/year>. On that same date, XXXX XXXX returned the original XXXX payment to my account because it had not been cashed or processed by PNC within 90 days. This confirms the issue resulted from PNCs failure to process the original payment, not from any failure on my part. \n\nI sent PNC a written dispute letter with supporting documentation. During a phone call, a PNC representative advised that the late fee would be reversed and no further charges would accrue. Despite this, PNC continues to assess late fees and interest, and the balance consists entirely of those charges. \n\nFor approximately XXXX months, PNC has continued to send billing statements and place repeated phone calls, emails and text messages regarding this disputed balance. This has negatively impacted my credit and caused ongoing distress. \n\nI respectfully request assistance in obtaining removal of all late fees and interest, correction of my account balance and credit reporting, and cessation of collection communications. Thank you for your time and assistance.","date_sent_to_company":"2026-01-12T19:04:53.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"088XX","tags":"Servicemember","has_narrative":true,"complaint_id":"18656931","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2026-01-12T18:28:38.000Z","state":"NJ","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["I am submitting a complaint against PNC Bank regarding its failure to correct a billing <em>error</em> and its <em>continued</em> <em>collection</em> activity despite written dispute and documentation. \n\nOn XX/XX/year>, I scheduled a <em>payment</em> of {$45.00} through XXXX XXXX XXXX XXXX for my PNC credit card account, well in advance of the XX/XX/year> due date. PNC never processed or credited this <em>payment</em>. As a result, late fees and interest began accruing. \n\nAfter contacting PNC, I was instructed to resend the <em>payment</em>."]},"sort":[15.1403475,"18656931"]},{"_index":"complaint-public-v1","_id":"1674000","_score":14.873064,"_source":{"product":"Mortgage","complaint_what_happened":"Ditech imposed a Past Due Amount on my XXXX/XXXX/2015 billing statement in the amount of {$240.00}. The Total Amount Due on my XXXX/XXXX/2015 statement was {$1100.00} and the Past Due amount was {$0.00}. They received my payment of {$210.00} on XXXX/XXXX/2015 and a payment of {$1000.00} on XXXX/XXXX/2015 for a total payment of {$1200.00} ( more than the required payment amount ) therefore I do n't understand how there could be a past due amount of {$240.00}? In the month of XXXX, they applied {$240.00} of my monthly payment to Escrow and the balance of {$960.00} to Unapplied Funds which caused all payments after the XXXX payment to be applied to Unapplied Funds. My escrow analysis said the shortage would be spread over 24 monthly payments beginning XXXX/XXXX/2015 therefore my XXXX payment should have been applied as billed ( {$200.00} principal / {$770.00} interest / {$190.00} escrow ). I 've been in contact with many Ditech people via telephone during the past 5 months trying to get this corrected but my account continues to show as past due and I continue to receive collection calls. \n\nI am tired of the harassing collection calls due to this error therefore I would also like to request, in writing, that no telephone contact be made by your offices ( Ditech Financial ) to my home or to my place of employment. All future communications with me MUST be done in writing and sent to my mailing address on file.","date_sent_to_company":"2015-11-27T22:29:10.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional fixed mortgage","zip_code":"98032","tags":null,"has_narrative":true,"complaint_id":"1674000","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ditech Financial LLC","date_received":"2015-11-27T22:29:09.000Z","state":"WA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["I am tired of the harassing <em>collection</em> calls due to this <em>error</em> therefore I would also like to request, in writing, that no telephone contact be made by your offices ( Ditech Financial ) to my home or to my place of employment. All future <em>communications</em> with me MUST be done in writing and sent to my mailing address on file."]},"sort":[14.873064,"1674000"]},{"_index":"complaint-public-v1","_id":"21709701","_score":14.839232,"_source":{"product":"Mortgage","complaint_what_happened":"Complaint Against : Fifth Third Bank ( Mortgage Servicing ) Issue : Mortgage servicing errors, refusal to accept payments, inaccurate credit reporting, and improper communication practices Complaint : I am filing this complaint regarding ongoing servicing errors and improper handling of my mortgage account by Fifth Third Bank. \n\n\n\nAs of XX/XX/year>, I have confirmed multiple concerning and contradictory actions by the bank : Fifth Third Bank has repeatedly refused to accept payments from me, despite my making good-faith efforts on at least XXXX separate occasions to bring the account current. I specifically offered to resolve the balance over XXXX payments aligned with my pay schedule, and I was told the bank does not accept partial payments. \nWhen the original issue started there was a payment of {$400.00} made that was returned and further shows good faith effort was being made to make payment. \nAt the same time, they continue to claim I am delinquent, even though they refused to accept the payments that would have resolved the delinquency. \nThe bank states that payments are due on the XXXX, yet they historically withdrew my autopay on the XXXX, creating confusion and inconsistency in how the account is managed. \nThey confirmed they stopped processing my autopay due to delinquency, while also separately stating that a missed payment was due to a system blackout, which is clearly not my fault. Also a payment has been taken out every month since the orginial incident. Then an error on their end is being passed on to me ( XXXX autopayment ) They continue to assert that my XX/XX/year> payment was not made, despite my ability to provide proof that it was paid. They have changed reason on the XXXX payment now from 'blackout ' to 'deliqunecy '. \nThe bank has stated they do not have or can not release call transcripts or records, preventing me from verifying what I was told during prior conversations. \n\n\nAdditionally, Fifth Third Bank previously acknowledged that they had incorrect contact information on file for me, meaning that important account communications may have been sent to unknown third parties. This raises serious concerns regarding both servicing practices and the handling of my personal financial information. \n\n\n\nDespite these acknowledged issues and contradictions, the bank has : Continued to report negative and damaging information to the credit bureaus Refused to remove inaccurate reporting Continued collection efforts, including repeated calls, while the account is actively disputed Impact : Significant damage to my credit profile Financial harm Ongoing stress and disruption, despite repeated good-faith efforts to resolve the issue Desired Resolution : Immediate correction of all servicing errors and proper application of payments Removal of all inaccurate negative reporting from XXXX XXXX XXXX XXXX Written confirmation that derogatory reporting has been removed Refund or waiver of any fees caused by servicing errors in including fees incurred while sending personal information to incorrect phone and email A full and accurate accounting of my loan, including payment history Investigation into the banks refusal to accept payments and contradictory statements Investigation into improper handling of my contact information and communications Immediate cessation of collection calls while this dispute is under review I have made repeated, documented attempts to resolve this issue directly with Fifth Third Bank, but those efforts have been unsuccessful. I am requesting immediate review and corrective action. Today alone I was on the phone over an hour trying to pay and twice was disconnected from the call and had to restart my explanation and waste over an hour and a half of work time. \n\n\n\nThank you for your time, XXXX XXXX XXXX","date_sent_to_company":"2026-04-29T15:42:09.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"48433","tags":"Servicemember","has_narrative":true,"complaint_id":"21709701","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2026-04-29T15:22:32.000Z","state":"MI","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["of my contact information and <em>communications</em> Immediate cessation of <em>collection</em> calls while this dispute is under review I have made repeated, documented attempts to resolve this issue directly with Fifth Third Bank, but those efforts have been unsuccessful."],"issue":["Trouble during <em>payment</em> process"]},"sort":[14.839232,"21709701"]},{"_index":"complaint-public-v1","_id":"18384133","_score":14.709104,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint against Pressler & Pressler , LLP, a debt collection law firm, for ongoing, willful, and repeated violations of the Fair Debt Collection Practices Act ( FDCPA ). This firm has continued to engage in collection activity after receiving multiple written cease-and-desist notices and despite clear evidence that the alleged debt dates back to 2016, based on the collection statements they themselves mailed to me. \n\nThis complaint concerns the following matter : - Court Docket Number : XXXX - Original Creditor : XXXX XXXX XXXX  XXXX Alleged Account Number ( Last XXXX ) : XXXX - Current Alleged Debt Buyer / Collecting Creditor : XXXX XXXX, LLC # # # Pattern of Unlawful and Abusive Conduct Pressler & Pressler has engaged in a pattern of harassment and unlawful debt collection by continuing to send collection communications and pursue enforcement related to an alleged CXXXX XXXX XXXX debt from XXXX, despite having been formally instructed in writing to cease all communication. \n\nTheir conduct is knowing, intentional, and abusive, not the result of error or oversight, and reflects a blatant disregard for federal consumer protection laws. \n\n# # # Violations of Federal Law Include, But Are Not Limited To : XXXX. Violation of 15 U.S.C. 1692c ( c ) Cease Communication I sent multiple written cease-and-desist notices demanding that Pressler & Pressler stop all communications regarding this alleged debt. Once such notice is received, federal law strictly prohibits further communication, except for very narrow statutory exceptions.\n\nDespite this, Pressler & Pressler continued to send collection notices and correspondence, constituting a direct and clear violation of 1692c ( c ). \n\nXXXX. Violation of 15 U.S.C. 1692d Harassment and Abuse Repeated collection attempts after lawful notice to stop, particularly involving an alleged debt dating back to XXXX, constitute harassment and abuse. These communications serve no legitimate purpose and appear intended to pressure and intimidate the consumer into payment through unlawful persistence. \n\nXXXX. Violation of 15 U.S.C. 1692e False, Deceptive, or Misleading Representations By continuing to pursue collection activity for an alleged XXXX  XXXX XXXX XXXX  debt ( Account ending XXXX ) on behalf of XXXX XXXX, XXXX, Pressler & Pressler falsely represents that it has a lawful right to collect and communicate. This conduct misleads the consumer by implying legal authority that no longer exists once cease-and-desist notice is provided. \n\nXXXX. Violation of 15 U.S.C. 1692f Unfair and Unconscionable Means Ignoring cease-and-desist demands while continuing to pursue collection through mail and other communications is an unfair and unconscionable practice prohibited by the FDCPA. \n\n# # # Aggravating Factors - The alleged debt originates from XXXX, as confirmed by statements mailed by Pressler & Pressler. \n- The firm had actual notice of my cease-and-desist demands. \n- The collection activity is tied to an identified court matter ( XXXX XXXX. XXXX ), making the continued contact especially egregious. \n- The conduct is repeated and systematic, not isolated. \n- These actions have caused ongoing stress, anxiety, and disruption. \n\n# # # Legal Exposure Pressler & Presslers continued misconduct exposes them and their client, XXXX XXXX, XXXX, to statutory damages, actual damages, attorneys fees, and costs under 15 U.S.C. 1692k, and supports findings of willful noncompliance.\n\n# # # Requested Resolution I respectfully request that the CFPB : XXXX. Investigate Pressler & Pressler , LLP for repeated FDCPA violations XXXX. Order the immediate cessation of all collection activity and communication related to this matter XXXX. Require written confirmation that this alleged account ( ending XXXX ) is closed and that no further contact will occur XXXX. Take appropriate enforcement and corrective action to prevent continued consumer harm I am retaining all correspondence, including proof of delivery of my cease-and-desist letters and collection statements verifying the XXXX  date of the alleged debt. I expressly reserve all rights to pursue additional legal remedies should this unlawful conduct continue. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-12-30T23:24:20.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"08820","tags":null,"has_narrative":true,"complaint_id":"18384133","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Pressler & Pressler, LLP","date_received":"2025-12-30T23:18:57.000Z","state":"NJ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["These <em>communications</em> serve no legitimate purpose and appear intended to pressure and intimidate the consumer into <em>payment</em> through unlawful persistence. \n\nXXXX. Violation of 15 U.S.C. 1692e False, Deceptive, or Misleading Representations By <em>continuing</em> to pursue <em>collection</em> activity for an alleged XXXX  XXXX XXXX XXXX  debt ( Account ending XXXX ) on behalf of XXXX XXXX, XXXX, Pressler & Pressler falsely represents that it has a lawful right to collect and communicate."],"product":["Debt <em>collection</em>"]},"sort":[14.709104,"18384133"]},{"_index":"complaint-public-v1","_id":"20976969","_score":14.622217,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a complaint regarding collection attempts by Asset Recovery Bureau LLC related to an alleged account with XXXX XXXX ( Account Number : XXXX ). \nI do not recognize this debt and have never opened, authorized, or had any contractual relationship with XXXX XXXX or any associated XXXX  XXXX. I believe this may be the result of identity theft or a credit reporting error. \nI have received email communications from Asset Recovery Bureau LLC attempting to collect on this account and encouraging me to establish a payment plan. These communications were sent without providing any documentation or proof that I am legally responsible for this debt. \nAdditionally, I have received correspondence from XXXX XXXX on XX/XX/year> stating that this account was sold to a XXXX  XXXX and that they are unable to provide payment history or account details. This indicates that the original creditor can not validate the debt. \nDespite this, Asset Recovery Bureau LLC continues to attempt collection without providing proper validation of the debt. I have disputed this account with XXXX, where it is currently being reported, and I have requested validation directly from the collection agency. \nUnder the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide validation of a debt upon request and must cease collection efforts until such validation is provided. To date, no sufficient validation has been provided. \nI am requesting the following : * Immediate cessation of all collection efforts * Full validation of the alleged debt, including any original signed agreement * Removal of this account from my credit report if it can not be properly verified * Written confirmation that this account will no longer be reported or pursued This attempt to collect on a debt that is not mine, without proper validation, is causing harm to my credit and unnecessary distress. \nI respectfully request a full investigation into this matter and appropriate corrective action. \nSincerely, XXXX XXXX","date_sent_to_company":"2026-04-06T16:37:05.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"32137","tags":null,"has_narrative":true,"complaint_id":"20976969","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Asset Recovery Bureau LLC","date_received":"2026-04-06T16:22:05.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I have received email <em>communications</em> from Asset Recovery Bureau LLC attempting to collect on this account and encouraging me to establish a <em>payment</em> plan. These <em>communications</em> were sent without providing any documentation or proof that I am legally responsible for this debt. \nAdditionally, I have received correspondence from XXXX XXXX on XX/XX/year> stating that this account was sold to a XXXX  XXXX and that they are unable to provide <em>payment</em> history or account details."],"product":["Debt <em>collection</em>"]},"sort":[14.622217,"20976969"]},{"_index":"complaint-public-v1","_id":"3917752","_score":14.553499,"_source":{"product":"Mortgage","complaint_what_happened":"Dear Sirs : My name is XXXX XXXX. I live/own at XXXX XXXX XXXX XXXX in XXXX, CT, XXXX. I have a XXXX yr. fixed with SLS. Loan # XXXX. As you can see from my XX/XX/XXXX letter to SLS, they have made terrible errors when performing the annual Escrow Analysis.\n\nAs a result of these significant errors in their Escrow Analysis over the past two years, my escrow balance is now short by {$16000.00} and they are pursuing Foreclosure. \n\nThis problem was identified back in late XXXX of this year when I received a phone call from them to tell me that my next payment ( due 5 days later ) was now going to nearly double the amount I normally pay each month. The representative who called actually identified the escrow problem while on that call and asked me to put together a summary letter and gather all documents and send it to them. After sending documents and making many attempts to speak to someone in the Escrow Department, no one from SLS has ever acknowledged my communications or spoken with me regarding a resolution. \n\nWhen I called the XXXX number for an email address to send documents to, I was directed only to XXXX. There is no email for the Escrow Dept., however I do have proof that my letter and documents were received via an automated email response. \n\nI was able to get a number for the Escrow Department ; I kept calling but got recordings saying \" the department was in a meeting and someone would call back ''. \nEvery month since XXXX of this year, I receive a collections phone call saying that mortgage is overdue, even though I continue to make payments. On each and every phone call I get, I ask to someone in the Escrow Dept. and a person can never be reached. \n\nAs recently as this past Friday, XX/XX/XXXX, the collection agent said \" the Escrow Dept. doesn't do phone calls '' but then proceeded to say that someone tried to reach me on two other occasions ( he named the dates XXXX but \" they don't leave messages ''. When I insisted on speaking to someone ( other than the collection agent ), he said he would have someone that the department call me at XXXX EST, when I took my break. No one called. \n\nPlease see the attached documents and communications to SLS. It chronicles all of the activity and errors over the past two years. In my communications to them I have asked, since they caused the Escrow Analysis errors, for a reasonable and affordable resolution to make up for the shortage over time. I do not have funds to pay the shortage all at once. I can not afford a monthly payment of {$4800.00}. I do not feel that I should have to refinance and be subject to additional late fees, negative credit reporting, and penalties because of their errors. \n\nCould someone please help me resolve this quickly. I am panicked and feel helpless since there is absolutely no effective way to communicate with SLS! \n\nThank you. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX","date_sent_to_company":"2020-10-25T17:45:36.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"06905","tags":null,"has_narrative":true,"complaint_id":"3917752","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2020-10-25T15:44:40.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Every month since XXXX of this year, I receive a <em>collections</em> phone call saying that mortgage is overdue, even though I <em>continue</em> to make <em>payments</em>. On each and every phone call I get, I ask to someone in the Escrow Dept. and a person can never be reached."],"issue":["Trouble during <em>payment</em> process"]},"sort":[14.553499,"3917752"]},{"_index":"complaint-public-v1","_id":"8166817","_score":14.482241,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Please remove the account XXXX from collection agency XXXX XXXX XXXX from my credit report. I sent a letter to the collection agency XX/XX/XXXX and they have failed to validate this account. Furthermore, I am on a payment plan with the original creditor XXXXXXXX XXXX, so I am confused as to why this collection agency is claiming that I owe them anything. The balance reported is not the same balance that I have with XXXXXXXX XXXX. Lastly, Equifax is the only credit bureau reporting this inaccurate information. I informed Equifax of this error in a dispute letter, and via cfpb in complaint XXXX that they were reporting inaccurate information. They failed to remove this account and they also failed to notate that this account was in a dispute on my credit report which is a violation of the FCRA. At this time, I am only asking for the removal of the account above. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.","date_sent_to_company":"2024-01-17T17:01:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77084","tags":null,"has_narrative":true,"complaint_id":"8166817","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-17T16:42:11.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Please remove the account XXXX from <em>collection</em> agency XXXX XXXX XXXX from my credit report. I sent a letter to the <em>collection</em> agency XX/XX/XXXX and they have failed to validate this account. Furthermore, I am on a <em>payment</em> plan with the original creditor XXXXXXXX XXXX, so I am confused as to why this <em>collection</em> agency is claiming that I owe them anything. The balance reported is not the same balance that I have with XXXXXXXX XXXX."]},"sort":[14.482241,"8166817"]},{"_index":"complaint-public-v1","_id":"9119278","_score":14.475135,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Please remove the account XXXX from collection agency XXXX XXXX XXXX  from my credit report. I sent a letter to the collection agency XX/XX/2023, and they have failed to validate this account. Furthermore, I am on a payment plan with the original creditor XXXX XXXX so I am confused as to why this collection agency is claiming that I owe them anything. The balance reported is not the same balance that I have with XXXX XXXX. Lastly, Equifax is the only credit bureau reporting this inaccurate information. I informed Equifax of this error in a dispute letter, and via CFPB in complaint XXXX that they were reporting inaccurate information. They failed to remove this account and they also failed to notate that this account was in a dispute on my credit report which is a violation of the FCRA. At this time, I am only asking for the removal of the account above. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.","date_sent_to_company":"2024-05-28T14:06:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77084","tags":null,"has_narrative":true,"complaint_id":"9119278","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-28T13:52:27.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please remove the account XXXX from <em>collection</em> agency XXXX XXXX XXXX  from my credit report. I sent a letter to the <em>collection</em> agency XX/XX/2023, and they have failed to validate this account. Furthermore, I am on a <em>payment</em> plan with the original creditor XXXX XXXX so I am confused as to why this <em>collection</em> agency is claiming that I owe them anything. The balance reported is not the same balance that I have with XXXX XXXX."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[14.475135,"9119278"]},{"_index":"complaint-public-v1","_id":"21478753","_score":14.38713,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX  originated my mortgage loan and was responsible for communications and guidance related to the sale and transfer of the loan. \nOn XX/XX/year>, I received a written notice generated as part of the XXXX XXXX  loan transfer process stating that my loan had been sold, that XXXX XXXX was my lender, and that I was required to make my mortgage payment payable to XXXX XXXX before XX/XX/XXXX. \nBecause loan transfers are sensitive and errors can occur, I contacted XXXX XXXX  to verify the accuracy of these instructions. A XXXX XXXX  representative ( XXXX XXXX ) explicitly confirmed the validity of the letter and the payment instructions and advised me to follow them. \nRelying on XXXX XXXX  written notice and confirmation, I mailed my mortgage payment in the amount of {$2400.00} to XXXX XXXX on XX/XX/year>. The check was cashed on XX/XX/year>, confirming receipt of my timely payment. \nAfter the payment was sent, I continued seeking confirmation regarding the servicing of my loan. On XX/XX/year>, I was informed that XXXX XXXX had taken over servicing and was told that XXXX XXXX had purchased the loan and serviced it through XXXX XXXX, and that my payment would be forwarded and properly applied. \nThis information was later proven false. When I contacted XXXX XXXX directly, I was informed that : I should never have been instructed to send them a payment XXXX XXXX does not have the authority to transfer or forward payments to XXXX XXXX The only available remedy would be a refund, which could take up to 60 days As a direct result of the incorrect payment instructions and confirmations provided by XXXX XXXX, my payment was not properly credited, and I began receiving collection calls from XXXX XXXX  for a payment that was already made in good faith and on time. \nThis is not a borrower error or failure to pay. This issue originated from XXXX XXXX  loan transfer communications and its confirmation of incorrect payment instructions, which set off a chain of servicing failures after the transfer. I relied on accurate guidance from the originating institution and acted promptly and responsibly.","date_sent_to_company":"2026-04-22T12:47:04.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"63021","tags":null,"has_narrative":true,"complaint_id":"21478753","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"PARAMOUNT BOND & MORTGAGE CO.","date_received":"2026-04-22T12:33:05.000Z","state":"MO","company_public_response":null,"sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["This is not a borrower <em>error</em> or failure to pay. This issue originated from XXXX XXXX  loan transfer <em>communications</em> and its confirmation of incorrect <em>payment</em> instructions, which set off a chain of servicing failures after the transfer. I relied on accurate guidance from the originating institution and acted promptly and responsibly."],"issue":["Trouble during <em>payment</em> process"]},"sort":[14.38713,"21478753"]},{"_index":"complaint-public-v1","_id":"8791243","_score":14.34297,"_source":{"product":"Student loan","complaint_what_happened":"I disputed my student loan status as reported on my credit report by key bank because the debt was charged off in error. \nI never received a bill for the supposed original late payment ( of which there was only one ) and there should not have been a payment due because of in school deferment. I have communicated multiple times regarding this matter by phone and email and have received no response or resolution from the original creditor. I told the creditor multiple times that I would repay the loan in accordance with the original terms and to the original creditor upon their restoration of the loan terms and of all related reporting to all credit bureaus. I sent a message to key bank escalations and provided all related documentation including dates of school enrollment, loan billing dates, and deferment periods. I received no reply and the loan continues to be reported in charge of status. \n\nAgain, I expected to have no bill as I was enrolled in school, I received no bill, I received no communication from key bank, and then I received in the mail a stack of letters stating that my account was being sent to collections. When I logged in to view my account online it showed a XXXX balance. I was told upon inquiring that the account had changed servicers. I only learned the account had been charged off when I received a call from debt collections. \n\nThis error and the continued lack of resolution around it, lack of communication, and failure to respond to my inquiries and requests by of key bank and all its agents has been negligent and unacceptable. This has negatively impacted the credit of my cosigner and myself. Copies of my written communications- which went unanswered- are attached.","date_sent_to_company":"2024-04-17T16:15:23.000Z","issue":"Incorrect information on your report","sub_product":"Private student loan","zip_code":"129XX","tags":null,"has_narrative":true,"complaint_id":"8791243","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"KEYCORP","date_received":"2024-04-17T15:44:02.000Z","state":"NY","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I only learned the account had been charged off when I received a call from debt <em>collections</em>. \n\nThis <em>error</em> and the <em>continued</em> lack of resolution around it, lack of communication, and failure to respond to my inquiries and requests by of key bank and all its agents has been negligent and unacceptable. This has negatively impacted the credit of my cosigner and myself. Copies of my written <em>communications</em>- which went unanswered- are attached."]},"sort":[14.34297,"8791243"]},{"_index":"complaint-public-v1","_id":"20605252","_score":14.331467,"_source":{"product":"Debt collection","complaint_what_happened":"This account was originally with XXXX XXXX XXXX and later referred to Hunter Warfield , Inc. ( collection agency ), operating under Resident Interface. Beginning in XX/XX/XXXX, I disputed the balance directly with XXXX XXXX XXXX due to accounting errors and charges not supported by the lease agreement, which XXXX XXXX XXXX acknowledged. \n\nIn XX/XX/XXXX, after the account was referred to collections, I continued disputing the balance with both XXXX XXXX XXXX and Hunter Warfield , Inc . Since that time, I have submitted monthly requests ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and emails to both parties requesting full written validation of the alleged debt, including an itemized accounting and supporting documentation. \n\nDespite these repeated efforts over several months, no validation has been provided. The only response received has been that the matter is under investigation, with no clear timeline for resolution. \n\nAs of XX/XX/XXXX, this issue has remained unresolved for several months, and Hunter Warfield , Inc. continues attempts to collect on this disputed and unvalidated debt. \n\nI maintain documentation supporting my dispute, including proof of payment of the security deposit and prior communications with property management.","date_sent_to_company":"2026-04-30T19:34:33.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"76180","tags":null,"has_narrative":true,"complaint_id":"20605252","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HW Holding, Inc","date_received":"2026-03-26T00:58:34.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["As of XX/XX/XXXX, this issue has remained unresolved for several months, and Hunter Warfield , Inc. <em>continues</em> attempts to collect on this disputed and unvalidated debt. \n\nI maintain documentation supporting my dispute, including proof of <em>payment</em> of the security deposit and prior <em>communications</em> with property management."],"product":["Debt <em>collection</em>"]},"sort":[14.331467,"20605252"]},{"_index":"complaint-public-v1","_id":"11627152","_score":14.331467,"_source":{"product":"Debt collection","complaint_what_happened":"Dear CFPB XXXX, I kindly request your assistance in addressing an ongoing issue with XXXX XXXX. I have been persistently harassed by XXXX, as they continue to demand the return of an item I have already returned. I have a confirmation email verifying this return. Despite my repeated effortsthrough calls and emailsto resolve the matter, I have received no response from XXXX. \nYesterday, I received a letter from a collection agency demanding payment for the item I had already returned. The confirmation email is attached for your reference. I have repeatedly informed XXXX via calls and emails that the devices were mailed back as required. However, I continue to receive harassing communications through mail, email, and phone, with threats to escalate this incorrect bill to a collection agency. \nThis ongoing issue is a result of XXXX 's error, negligence, and failure to resolve the matter despite my clear and repeated attempts to clarify the situation. The unnecessary stress and harassment caused by these actions have had a negative impact on my mental well-being. \nGiven the circumstances, I am requesting compensation of {$1000.00} for the stress, inconvenience, and psychological impact caused by this situation. I urge XXXX to address this issue immediately and ensure it is resolved without further escalation. \nXXXX XXXX. XXXX Thank you for your attention to this matter.","date_sent_to_company":"2025-01-19T12:02:57.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"43214","tags":null,"has_narrative":true,"complaint_id":"11627152","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2025-01-19T11:52:44.000Z","state":"OH","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["However, I <em>continue</em> to receive harassing <em>communications</em> through mail, email, and phone, with threats to escalate this incorrect bill to a <em>collection</em> agency. \nThis ongoing issue is a result of XXXX 's <em>error</em>, negligence, and failure to resolve the matter despite my clear and repeated attempts to clarify the situation. The unnecessary stress and harassment caused by these actions have had a negative impact on my mental well-being."],"product":["Debt <em>collection</em>"]},"sort":[14.331467,"11627152"]},{"_index":"complaint-public-v1","_id":"6727861","_score":14.212854,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX, XXXX, XXXX XXXX XXXX XXXX, a XXXX, Texas, based debt collection company ( hereinafter \" GGR '' ), and their representative/employee, XXXX XXXX XXXX have engaged in a consistent and repeated effort to collect on a claim against me for which I do not owe, and they have direct means of collection. More specifically, GGR 's client claimed to have inadvertently paid my property taxes on a property I own. GGR claims this payment was made as a result of a scrivener 's error. To date, GGR has made absolutely no effort to correct this improper payment from the County Treasurer and allocate the payment to the proper parcel. I contacted the County Treasurer, who confirmed that no requests for reimbursement were made. I confirmed that the Treasurer will immediately issue a refund on account of mistake if asked. I advised the Treasurer that I have no objection to the issuance of a refund on the account if asked. I submitted to GGR and XXXX XXXX a written statement attesting that I had no objection to their refund. I then asked GGR to cease all further communications with me during business hours, as my employment has suffered from the repeated efforts at collection. GGR refuses to seek reimbursement, demands I pay them funds directly without providing any assurances that it will not then simply obtain a refund of the funds from the Treasurer, resulting in double payment to GGR and me being liable for a double payment. GGR continues to call my work number during work hours, and did so on XX/XX/XXXX and XX/XX/XXXX, and I anticipate it will continue calling weekly. GGR has threatened me with legal action and the filing fo a lawsuit on equitable grounds despite its client possessing a readily available legal remedy. XXXX XXXX was flippant about my above concerns, demeaning and unprofessional during my telephone conversation with him.","date_sent_to_company":"2023-05-18T12:40:29.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"731XX","tags":null,"has_narrative":true,"complaint_id":"6727861","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Greenberg, Grant & Richards Inc.","date_received":"2023-03-21T19:11:50.000Z","state":"OK","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I then asked GGR to cease all further <em>communications</em> with me during business hours, as my employment has suffered from the repeated efforts at <em>collection</em>. GGR refuses to seek reimbursement, demands I pay them funds directly without providing any assurances that it will not then simply obtain a refund of the funds from the Treasurer, resulting in double <em>payment</em> to GGR and me being liable for a double <em>payment</em>."],"product":["Debt <em>collection</em>"]},"sort":[14.212854,"6727861"]},{"_index":"complaint-public-v1","_id":"22417548","_score":14.210918,"_source":{"product":"Credit card","complaint_what_happened":"CFPB Complaint Citi Credit Card Account Summary of the Issue Citi failed to properly process a timely mailed payment, failed to conduct a reasonable investigation after receiving a written billing error notice, continued collection activity on a disputed amount, assessed improper fees and interest, and furnished inaccurate derogatory credit information despite repeated notice and documented proof of payment. \n\nDetailed Description of the Problem XXXX. Payment Method Change and Timely Mailed Payment On XX/XX/year>, I notified Citi that I would be cancelling autopayment and would instead mail my payment by check. \n\nOn XX/XX/year>, I tendered payment of {$2300.00} to Citis designated payment address as provided by Citi 's billing rights : Citi Cards XXXX XXXX XXXX XXXX XXXX XXXX  The payment was sent via USPS Certified Mail and was delivered on XX/XX/year>. \nTracking Number : XXXX. \n\nDespite confirmed delivery, Citi did not credit the payment. \n\nXXXX. Early XXXX Collection Call Citi Promised Investigation and Credit Approximately XXXX week before XX/XX/XXXX, I answered a collection call from Citi. \nI explained that the payment had been mailed and was in transit. \nThe representative told me : To give it XXXX days for the mail to process That Citi would investigate That the account would be credited This never occurred. \nNo investigation was initiated, and no provisional credit was issued. \n\nXXXX. Written Billing Error Notice Sent and Delivered Pursuant to the Fair Credit Billing Act ( FCBA ) and Citis Billing Rights Notice, I mailed a written billing error/dispute notice to Citis designated dispute address : Citi Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  USPS records confirm delivery on XX/XX/year>. \nTracking Number : XXXX. \n\nThe written dispute notified Citi that : The payment had been tendered and delivered The account was being incorrectly treated as delinquent Fees and interest were being improperly assessed Collection activity must cease pending investigation Citi did not acknowledge or reasonably investigate this dispute. \n\nXXXX. Continued Collection Activity Despite Multiple Notices Between XX/XX/XXXX and XX/XX/XXXX, Citi : Continued repeated collection calls Assessed late fees and interest Reported the account as late or delinquent to credit bureaus This occurred despite : Proof of payment delivery A written FCBA dispute Multiple verbal notices informing Citi of the dispute Citis own earlier promise to investigate and credit the account On several calls, I informed Citi that I had already spoken with them about the situation, yet the collection calls continued. \n\nXXXX. XX/XX/year> Cease and Desist Ignored / Citi Demanded Bank Account Information On XX/XX/year>, after additional collection calls, I contacted Citi again and issued a ceaseanddesist due to the ongoing dispute. \n\nDuring this call : I was told that no investigation existed, despite Citi having received both the payment and the written dispute I was told that no investigation would be initiated unless I provided my bank account number and routing number over the phone The representatives spoke with heavy accents and confirmed they were located overseas. \nGiven the prevalence of international phonebased financial scams, I refused to provide sensitive bank information to an overseas call center. \n\nCitis demand for bank account and routing information as a condition for investigating a documented billing dispute is inappropriate, unsafe, and inconsistent with FCBA requirements.\n\nRegulatory Concerns Citis conduct appears to violate : Fair Credit Billing Act ( FCBA ) failure to acknowledge and reasonably investigate a written billing error notice Fair Credit Reporting Act ( FCRA ) furnishing inaccurate derogatory information after receiving notice of dispute UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) including continued collection activity on a disputed amount and demanding unnecessary sensitive financial information Consumer Harm As a result of Citis actions, I have experienced : Ongoing collection harassment Improper fees and interest charges Inaccurate negative credit reporting Significant time spent attempting to resolve the issue Stress and disruption caused by Citis refusal to follow required dispute procedures Requested Resolution I request that Citi : Immediately investigate and confirm receipt/application of the {$2300.00} payment Remove all late fees, penalty interest, and related charges Correct and delete all inaccurate negative credit reporting Cease all collection activity while the matter is under investigation Provide written confirmation of investigative findings and corrective actions Preserve all call recordings, internal notes, collection logs, payment processing records, and dispute investigation materials I have retained copies of all correspondence, USPS certified mail receipts, proof of delivery, account statements, and records of all communications with Citi.","date_sent_to_company":"2026-05-21T04:59:27.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"46530","tags":"Servicemember","has_narrative":true,"complaint_id":"22417548","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-05-21T04:50:28.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":[", yet the <em>collection</em> calls 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