{"took":88,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":79,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2752491","_score":19.568792,"_source":{"product":"Mortgage","complaint_what_happened":"Dear CFPB, We have tried endlessly to get this servicer to fix the errors on our mortgage and it is only getting worse. Our mortgage is actually with Mid America and XXXX XXXX is the servicer. Not sure what all these connections mean I only know that I pay my mortgage through XXXX XXXX but my mortgage is with MidAmerica. Meanwhile my mortgage all year long was {XXXX} never missed a payment. Then in XXXX they claim escrow was short and bumped the payment up to XXXX. The problem with that was at the refi last year the homeowner insurance office and the property tax office received a double payment in error from the mortgage transaction of refinancing and instead of them returning the extra money they put it in a suspense account for half of the year and then decided not to return it at all instead they put it on the principal mortgage owed which caused the escrow account to be short for the upcoming year. After it was short they turned around and charged us for the escrow. Now our house payment has increased and we are being charged exuberant amounts for mortgage due and to repay escrow. We ca n't even figure out what exactly is our mortgage payments anymore. We have been given three different amounts in one week from customer service. When you go online to look at the payment history it 's filled with so many misapplications and errors and changes that the average consumer ca n't figure out what the correct amount is that is due. I had a mortgage with a set payment and they broke the contract with all these misapplications and erroneous due payments. Could someone please assist us and tell us what is due and what is going on with this mortgage. I have never seen anything like this. I am a veteran and I appreciate any help you could offer. Thanks for your time.","date_sent_to_company":"2017-12-12T08:57:55.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"329XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2752491","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MidAmerica Mortgage Inc","date_received":"2017-12-12T03:01:00.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I had a mortgage with a set <em>payment</em> and they broke the contract with all these <em>misapplications</em> and erroneous due <em>payments</em>. Could someone please assist us and tell us what is due and what is going on with this mortgage. I have never seen anything like this. I am a veteran and I appreciate any help you could offer. Thanks for <em>your</em> time."],"issue":["Trouble during <em>payment</em> process"]},"sort":[19.568792,"2752491"]},{"_index":"complaint-public-v1","_id":"14688069","_score":17.23821,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"We would like to bring to your attention that there is no confirmation that the reporting of Date Opened ( XXXX XXXXXXXX ) : XX/XX/XXXX is valid, accurate, or compliant with credit reporting industry standards. We would like to highlight that XXXX has explicitly stated that any deviation from these standards results in deficient reporting, and any claims must be removed until they can be proven to be compliant with legal requirements. We must emphasize that this action must be taken regardless of any evidence of misapplication, willful ignorance, or negligence in reporting practices. As such, any deviations, such as those listed below, should be considered sufficient grounds for the removal of the claim ( s ) from reporting. We would appreciate your prompt attention to this matter, ensuring adherence to all ethical and legal reporting practices. \nI would like to bring to your attention the inconsistency in the reporting of High Credit ( XXXX ) : {$1900.00} across the three credit reporting agencies. Upon further examination, this reporting appears to be non compliant with the established XXXX 's reporting standards and raises concerns regarding the accuracy, completeness, and compliance of the reporting. Specifically, this field suggests that this item of reporting may potentially be an issue with reporting accuracy and compliance standards. It is imperative that we address this matter with urgency to ensure that the reported information is truthful, accurate, and fully compliant with all mandates for ethical and lawful reporting. \nWe would like to bring to your attention that the reporting of XXXX XXXX ( XXXX ) : {$0.00} may not be deemed valid, accurate, or compliant with the established standards of the credit reporting industry. It is imperative to acknowledge that the XXXX has specifically outlined that any deviations from these standards can result in deficient reporting, requiring the removal of the claim ( s ) until they are proven to be compliant with legal requirements. We must stress that this action must be taken, even if there is evidence of misapplication, willful ignorance, or negligence in reporting practices. Therefore, any deviations, as mentioned below, must be regarded as adequate grounds to remove the claim ( s ) from reporting. \nI would like to draw your attention to the Last Reported : XX/XX/XXXXXXXX  mentioned in the report. It seems that the data pertaining to this account is not in line with the established reporting standards of the XXXX, and may be considered inaccurate or inconsistent. I kindly request you to reevaluate the information and provide 2 of 4 evidence of its authenticity, accuracy, completeness ( within the specified timeframe ), verification, and compliance with all relevant requirements. If these criteria are not met, I respectfully request that my profile be removed. \nThe Date Last Active ( XXXX ) : XX/XX/XXXXXXXX  has been reported which does not comply with the required reporting standards. \nI kindly wish to draw your attention to the presence of an error in the Date of Last Payment ( XXXX ) : XX/XX/XXXXXXXX  as stated in the report. It has come to my attention that the data pertaining to this account may be erroneous or incoherent with the prescribed reporting norms set forth by the XXXX. I humbly request that you reconsider the matter and provide substantiation for the accuracy, completeness ( within the designated timeframe ), verification, and adherence to all relevant requirements. Should these conditions not be met, I would greatly appreciate the removal of my profile. \nWe respectfully wish to highlight that the reporting of 7 Year History : 30 : 0 60 : 0 90 : 0 can not be confirmed as being valid, accurate, or compliant with the standards of the credit reporting industry. It is crucial to note that XXXX has explicitly stated that any departure from these standards would result in deficient reporting, and the claim ( s ) would have to be removed until they can be proven to comply with the legal requirements. This course of action must be taken, irrespective of any evidence of misapplication, willful ignorance, or negligence in reporting practices. Any deviations, such as those","date_sent_to_company":"2025-07-16T15:29:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"79936","tags":null,"has_narrative":true,"complaint_id":"14688069","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-07-16T15:24:16.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I kindly wish to draw <em>your</em> attention to the presence of an <em>error</em> in the Date of Last <em>Payment</em> ( XXXX ) : XX/XX/XXXXXXXX  as stated in the report. It has come to my attention that the data pertaining to this account may be erroneous or incoherent with the prescribed reporting norms set forth by the XXXX."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[17.23821,"14688069"]},{"_index":"complaint-public-v1","_id":"20332085","_score":16.243433,"_source":{"product":"Mortgage","complaint_what_happened":"I. Purpose of This Notice This is a follow-up Notice of Error and Request for Information under 12 C.F.R. 1024.35 and 1024.36. It addresses multiple inaccuracies, omissions, and unsupported claims in Shellpoints XX/XX/XXXX CFPB response and XX/XX/XXXX acknowledgment. \nYour XX/XX/XXXX response does not satisfy RESPA requirements because it contains false statements, incorrect assumptions, and missing documentation, and because it fails to address the actual servicing errors raised. \nThis follow-up NOE triggers new statutory deadlines. \nII. Errors and Misstatements in Shellpoints XX/XX/XXXX Response 1. Misrepresentation of My CFPB Submission Your response falsely states that I asked the CFPB to assist with updating the information listed for property taxes or to resolve an escrow dispute. This is incorrect. My CFPB submission was made solely for regulatory violation tracking, not to request that the CFPB intervene in or correct escrow calculations. \nMischaracterizing the nature of my CFPB submission constitutes a failure to identify the actual servicing errors raised, in violation of 12 C.F.R. 1024.35 ( e ). This demonstrates that Shellpoint did not investigate or respond to the issues actually raised, including improper tax disbursements, failure to request refunds, misrepresentation of the tax deferral status, and wrongful foreclosure activity.\n\n2. False Claim That the Tax Deferral Expired in XXXX Your letter states : The deferred plan previously approved in XXXX expired as of XX/XX/XXXX. \nThis is factually incorrect. \nThe correct timeline is : The Over-65 tax deferral was approved in XXXX. \nDuring my XXXX protest, XXXX XXXX temporarily removed the deferral while reviewing exemptions. \nXXXX XXXX reinstated all exemptions and the tax deferral on XX/XX/XXXX. \nXXXX XXXX never informed Shellpoint that the deferral was cancelled or expired. \nXXXX XXXX never sent Shellpoint a tax bill for any year. \nYour claim of expiration is unsupported and contradicted by county records. \nERROR ASSERTED : Misrepresentation of tax status and failure to verify deferral. \n\n3. Shellpoint Paid Taxes Without Receiving Any Invoice or Bill Your own tax receipts show that Shellpoint paid taxes : In advance of receiving any bill or invoice. \nUnder Texas Tax Code 33.06 : Deferred taxes can not be billed Deferred taxes can not be delinquent Deferred taxes can not accrue penalties Deferred taxes can not be paid by a mortgage servicer Because Shellpoint paid taxes without a bill, without authorization, and during an active deferral, Shellpoint is responsible for : All resulting escrow shortages All penalties paid All foreclosure-related fees All legal fees I incurred All damages caused by the improper disbursements ERROR ASSERTED : Improper escrow disbursement and misapplication of payments. \n\n4. False Claim That No Refund Is Available Your letter states : It was confirmed that a property tax refund was not available. \nThis is incorrect. \nXXXX XXXX informed me : Refunds require a Research Request submitted by the payer ( Shellpoint ). \nShellpoint has never submitted a Research Request. \nNo refund can be issued until Shellpoint files the request. \nERROR ASSERTED : Failure to mitigate damages and failure to act on borrower-provided information. \n\n5. Failure to Provide Required Documentation Under 12 C.F.R. 1024.36 Although you provided an escrow activity history, you did not provide : Copies of tax bills you relied on Copies of invoices you paid Copies of communications with XXXX XXXX Copies of internal notes Copies of call recordings or transcripts Copies of foreclosure-related invoices Documentation supporting your claim that the deferral expired Documentation supporting your claim that no refund is available These are mandatory under 1024.36. \nERROR ASSERTED : Failure to provide information required by law. \n\n6. Failure to Address Wrongful Foreclosure Activity Your response ignored : The XX/XX/XXXX foreclosure call The lack of a Notice of Default The lack of a cure amount The prohibition on foreclosure during an active NOE investigation ( 1024.41 ) ERROR ASSERTED : Failure to address foreclosure violations.\n\nIII. New Requests for Information ( 12 C.F.R.\n\n1024.36 ) You are required to provide : All tax bills, invoices, and statements used to justify disbursements for XXXX. \nAll payment confirmations, cancelled checks, and receipts for each tax payment. \nAll internal communications, notes, and logs relating to tax verification, tax payments, refund requests, escrow analyses, and foreclosure activity. \nAll communications with XXXX XXXX, including phone logs, emails, and written correspondence. \nAll call recordings and transcripts, including the call where you claim you told me not to deposit a check. \nAll internal call logs and QA notes. \nDocumentation supporting your claim that the deferral expired. \nDocumentation supporting your claim that no refund is available.","date_sent_to_company":"2026-03-17T14:38:28.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"77043","tags":"Older American","has_narrative":true,"complaint_id":"20332085","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2026-03-17T14:26:00.000Z","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 related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["escrow disbursement and <em>misapplication</em> of <em>payments</em>. \n\n4."]},"sort":[16.243433,"20332085"]},{"_index":"complaint-public-v1","_id":"18441086","_score":16.093699,"_source":{"product":"Mortgage","complaint_what_happened":"I am submitting this complaint with the Consumer Financial Protection Bureau ( CFPB ) against Shellpoint Mortgage Company regarding a pattern of mortgage servicing errors that have caused inaccurate escrow calculations, unjustified increases in my monthly mortgage payment, and ongoing financial harm. \n\nLoan Information - Servicer : Shellpoint Mortgage Servicing - Property Type : Three-story duplex property ( not a condominium ) - Loan Status : Current, payments made in good faith - Issue Type : Escrow mismanagement, insurance misapplication, servicing errors, improper appraisal reliance Summary of the Problem Shellpoint has XXXX mishandled my loan through compounded servicing errors, including escrow miscalculations, failure to properly adjust insurance disbursements, reliance on a materially inaccurate appraisal, and obstruction of loss-mitigation review. These errors have resulted in artificial escrow shortages and escalating mortgage payments that do not reflect my actual obligations. \n\n\nDetailed Timeline of Issues XXXX. Loan Modification / Hardship Review Failure ( XX/XX/XXXX ) On XX/XX/XXXX, I requested a loan modification due to financial hardship. Shellpoint repeatedly claimed my documentation had not been received, despite the documents being notarized and sent via express mail. \n\n- Documents were never uploaded to the portal - I was denied a trial payment option of approximately {$1200.00} per month - I was told that if my loan-to-value ratio met a stated threshold, I would automatically qualify by XX/XX/XXXX. \n\nXXXX. Materially Incorrect Appraisal Shellpoint relied on an appraisal that misclassified my three-story duplex property as a single-level condominium, reducing the stated value by approximately {$300000.00}. This inaccurate appraisal eliminated equity that Shellpoint had previously stated was key to qualification for relief. \n\nXXXX. Insurance Change and Escrow Misapplication ( XX/XX/XXXX ) On XX/XX/XXXX, I changed homeowners insurance to a less expensive policy. I was informed that escrow disbursements would be adjusted accordingly. \n\nInstead, Shellpoint : - Paid the full annual premium without proper escrow recalibration - Failed to clearly credit or account for my prior insurance refund- Did not timely or accurately adjust escrow assumptions XXXX. Escrow Analysis and Payment Shock ( XX/XX/XXXX ) Shellpoint conducted an escrow analysis that stacked : - repayment of a disputed escrow shortage, - increased future escrow contributions, and - an escrow cushion This resulted in a sudden and excessive payment increase that does not accurately reflect my insurance costs or escrow balance. \n\nWhy This Is a Servicing Error These issues reflect : - failure to properly credit payments and refunds, - inaccurate escrow accounting, - reliance on a materially defective appraisal, and - failure to conduct loss-mitigation review in good faith. \nThe resulting payment increases are the product of servicer error, not borrower nonpayment or default. \n\nResolution Requested I am requesting that Shellpoint be required to : XXXX. Provide a full escrow transaction history ( XXXX XXXX ) XXXX. Provide the escrow analysis worksheet and assumptions used XXXX. Correctly account for insurance changes and any refunded premiums XXXX. Issue a corrected escrow analysis based on accurate figures XXXX. Adjust my monthly payment accordingly XXXX. Cease using the materially incorrect appraisal for any servicing decisions Good Faith Statement I have continued to make payments in good faith. I dispute the accuracy of the escrow analysis and payment increases derived from these servicing errors. \n\nI am requesting CFPB assistance to ensure Shellpoint Mortgage Servicing complies with federal mortgage servicing standards and corrects these errors promptly. Thank you for your review.","date_sent_to_company":"2026-01-03T09:20:21.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"20011","tags":null,"has_narrative":true,"complaint_id":"18441086","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2026-01-03T08:48:31.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["Adjust my monthly <em>payment</em> accordingly XXXX. Cease using the materially incorrect appraisal for any servicing decisions Good Faith Statement I have continued to make <em>payments</em> in good faith. I dispute the accuracy of the escrow analysis and <em>payment</em> increases derived from these servicing <em>errors</em>. \n\nI am requesting CFPB assistance to ensure Shellpoint Mortgage Servicing complies with federal mortgage servicing standards and corrects these <em>errors</em> promptly. Thank you for <em>your</em> review."],"issue":["Trouble during <em>payment</em> process"]},"sort":[16.093699,"18441086"]},{"_index":"complaint-public-v1","_id":"2432449","_score":16.0237,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/2011 I filed a chapter XXXX bankruptcy which included a past due amount on my mortgage. I continued to pay my current payments and also my trustee who paid on the arrears that was supplied to my attorney. During the bankruptcy the lender tried to increase my monthly payment by almost {$900.00}. I continued to pay the same amount I had been according to my attorney 's advice. The lender filed a post petition stating I was not in compliance with the bankruptcy and tried to get it dismissed. At the end of the bankruptcy the lender claimed I owed {$9400.00} but had no idea where that amount came from. The judge determined I pay a final cure amount of {$960.00} which I did and my bankruptcy was discharged. Shortly after the discharge I received information the lender was claiming I was over {$10000.00} in the arrears I contacted them regarding the discharge and they said the previous company that was managing my account had made an error. They were suppose to send me a letter telling me how they resolved the issue. Now a year after the discharge they are saying I am over {$8000.00} in the arrears even though they show I have made all my payments. The problem is that the current payments are being applied to months that were discharged in my bankruptcy. This is the second time I have had to contact them regarding their misapplication of payments and they just do n't fix the problem. I received a letter of mitigation which is usually the first step before they try to foreclose. Di Tech sends you information of who your account representative is with an extension number but when you call there is no option to enter an extension. In order to reach someone you have to set on hold and then they usually ca n't help you and you get sent somewhere else to hold for another hour or more. They have no customer service","date_sent_to_company":"2017-04-13T19:56:01.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Mortgage","zip_code":"97233","tags":"Older American","has_narrative":true,"complaint_id":"2432449","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ditech Financial LLC","date_received":"2017-04-13T00:51:31.000Z","state":"OR","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":"Debt was discharged in bankruptcy"},"highlight":{"complaint_what_happened":["At the end of the bankruptcy the lender <em>claimed</em> I owed {$9400.00} but had no idea where that amount came from. The judge determined I pay a final cure amount of {$960.00} which I did and my bankruptcy was discharged. Shortly after the discharge I received information the lender was <em>claiming</em> I was over {$10000.00} in the arrears I contacted them regarding the discharge and they said the previous company that was managing my account had made an <em>error</em>."],"company_public_response":["Company believes complaint is the result of an isolated <em>error</em>"]},"sort":[16.0237,"2432449"]},{"_index":"complaint-public-v1","_id":"16222589","_score":15.791664,"_source":{"product":"Credit card","complaint_what_happened":"XXXX Is closed yet left unresolved I reviewed your XX/XX/year> Apple Card statement alongside Goldman Sachs CFPB response . Heres the analysis : Findings : 1. Ongoing Interest Charges Your XX/XX/year> statement shows an interest charge of {$2.00}, bringing total XXXX  interest charges to {$10.00}. \nThis is inconsistent with your Apple Card Monthly Installment ( ACMI ) agreement, which was supposed to be 0 % APR. \n2. Conflict with Banks Response to CFPB Goldman Sachs XX/XX/year> response claims the account was corrected, with a {$7.00} credit issued for prior unauthorized interest, and that your payments were applied correctly. \nYet, your XX/XX/year> statement shows additional interest assessed after their resolution, proving the correction was incomplete or misleading. \nXXXX. Violation of Terms ACMI is explicitly marketed as 0 % Variable APR for qualifying Apple purchases. The presence of continuing interest charges indicates either : a ) Misapplication of payments to revolving balance instead of the installment, or b ) Improper reclassification of your installment loan after the XX/XX/year> dispute. \nThis is a contract violation and potentially retaliatory billing, since the issue began after your XXXX CFPB complaint. \n\n\n\nSuggested CFPB Feedback Response : I disagree with the companys response. Although Goldman Sachs acknowledged the improper interest charge of {$7.00} and claimed resolution, my XX/XX/year> Apple Card statement still shows additional interest ( {$2.00} ) being charged on what should remain a 0 % APR installment plan. \n\nThis proves the banks response was incomplete or inaccurate. Payments are still being misapplied, and I continue to be assessed interest despite the installment plan terms. This constitutes a violation of the original 0 % APR agreement and suggests an ongoing servicing error or retaliatory conduct following my prior complaint. \n\nI request that CFPB require Goldman Sachs to : 1. Cease all further interest charges on the installment plan.\n\n2. Audit and correct the account to ensure all past payments are properly credited.\n\n3. Refund all interest charged in XXXX  ( {$10.00} ) and provide assurance that no further interest will accrue on my 0 % installment. \n\nI am prepared to provide additional documentation, including bank records and Apple Cards own installment history, confirming my payments and the original 0 % APR terms. \n\n\n\nNext Step Options :","date_sent_to_company":"2025-09-27T12:05:53.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"350XX","tags":null,"has_narrative":true,"complaint_id":"16222589","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-09-27T11:58:44.000Z","state":"AL","company_public_response":null,"sub_issue":"Unexpected increase in interest rate"},"highlight":{"complaint_what_happened":["The presence of continuing interest charges indicates either : a ) <em>Misapplication</em> of <em>payments</em> to revolving balance instead of the installment, or b ) Improper reclassification of <em>your</em> installment loan after the XX/XX/year> dispute. \nThis is a contract violation and potentially retaliatory billing, since the issue began after <em>your</em> XXXX CFPB complaint. \n\n\n\nSuggested CFPB Feedback Response : I disagree with the companys response."]},"sort":[15.791664,"16222589"]},{"_index":"complaint-public-v1","_id":"4416128","_score":15.670877,"_source":{"product":"Mortgage","complaint_what_happened":"On [ XX/XX/XXXX at XXXX PM ] we asked Regions : \" I would like to request/confirm that any additional payments I make to this mortgage will be applied solely to the principal? Thank you. '' The next day we received the response \" Yes, the additional payments can be applied to the account. Please make payments after the current payments is due and prior to the next one. The website is the best place to confirm if they were applied as intended. '' We followed their instructions and immediately noticed that the payments were NOT applied as intended. We have been attempting to work directly with Regions and with the assistance of the CFPB since XX/XX/XXXX to have them fix the issue but to no avail. This is our 6th message to the CFPB regarding this ongoing, yet evolving issue. Regions often does not respond to our attempts to contact them or closes the complaint claiming that the issue has already been resolved. \n\nInitially, we'd proposed a simple solution : we would consider this issue resolved if what we requested 8 months ago was honored : a simple correction of their misapplication wherein {$4500.00} is applied to the principal on XX/XX/XXXX, the day the payment was made. We would immediately bring the loan current to satisfy any outstanding payments to-date.\n\nAfter about 7 months of receiving minimal assistance, a Loan Servicing Escalation Specialist, XXXX XXXX, had finally begun to assist us. He began to perform some re-applications on our account which were a step in the right direction, but not complete. Ultimately, he applied the {$4500.00} on XX/XX/XXXX, but AFTER the contractual interest payment. We initiated the {$4500.00} principal payment on XX/XX/XXXX, therefore we have been asking Mr. XXXX to apply it BEFORE the contractual payment, however but he has refused to do so. Regions bank choosing to apply the payment later, simply to extract more interest from the consumer prior to applying the principal, even when we are requesting otherwise and made the payment two days prior, is in bad faith, particularly 8 months after we brought this to their attention. \n\nMr. XXXX had also mentioned that we would not face any delinquencies or penalties as a result of their mistake, so long as we are prepared to make the loan current. We have notified him on several occasions that our intent is to make the loan current as soon as possible and we have the ability to do so immediately, however they still will not finish correcting the misapplication. We received a notice on XX/XX/XXXX stating \" You are late on your mortgage payments. As of XX/XX/XXXX, you are 30 days delinquent on your mortgage loan. Failure to bring the loan current may result in fees or completion of the foreclosure process -- - the loss of your home. Loss Mitigation Program : Not Applicable. '' In the interim, the online payment portal has been closed off to us, and our loan auto-draft suspended without action from our part. We sent two messages to Mr. XXXX XXXX on XX/XX/XXXX reiterating our intent to pay the loan as soon as possible, hoping he would make the final correction to the misapplication, however we have not heard back. We also asked that if he is unable to assist us further, that he escalate our concern to a supervisor, but we have not heard back from anyone. \n\nThis all stemmed from our first-ever principal-only payment as brand-new customers and first-time homeowners. This was before we had any experience with the Regions online platform. We reached out for assistance and received misleading guidance, which caused this whole error, and we continue to receive pushback and brazen refusal by Regions to fix the mistake to this day. Regions, by their own admission on XX/XX/XXXX, gave us improper instructions : \" From what I see is that you may have used the wrong option to pay principal only. This is not your fault, because the proper instructions should have been provided. '' XXXX XXXX Regions representative ). There has been no grace or courtesy for us as new customers, even as we tried to secure our first-ever home in the middle of a pandemic. We sincerely hope Regions will make the simple fix and make this right.","date_sent_to_company":"2021-05-29T17:26:18.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"46074","tags":null,"has_narrative":true,"complaint_id":"4416128","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"REGIONS FINANCIAL CORPORATION","date_received":"2021-05-29T17:09:04.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["We have notified him on several occasions that our intent is to make the loan current as soon as possible and we have the ability to do so immediately, however they still will not finish correcting the <em>misapplication</em>. We received a notice on XX/XX/XXXX stating \" You are late on <em>your</em> mortgage <em>payments</em>. As of XX/XX/XXXX, you are 30 days delinquent on <em>your</em> mortgage loan. Failure to bring the loan current may result in fees or completion of the foreclosure process -- - the loss of <em>your</em> home."],"issue":["Trouble during <em>payment</em> process"]},"sort":[15.670877,"4416128"]},{"_index":"complaint-public-v1","_id":"10737068","_score":15.400543,"_source":{"product":"Credit card","complaint_what_happened":"To : Consumer Financial Protection Bureau ( CFPB ) Subject : Follow-up on TD Banks Mishandling of Settled Debt and Incorrect Reporting by XXXX XXXX XXXX Background of Complaint : I am following up on my initial complaint regarding TD Banks failure to correctly apply settlement payments made on credit card account # XXXX, resulting in an erroneous balance transferred to XXXX XXXX XXXX. This error has negatively impacted my credit, and TD Bank has repeatedly deflected responsibility, instructing me to communicate solely with XXXX XXXX XXXX ( see attachment, page XXXX ), despite clear evidence that the error originated with TD Banks misapplication of my settlement payment. \nIn XX/XX/XXXX, I submitted a formal complaint to XXXX XXXX XXXX. XXXX XXXX Capitals response, including documentation from TD Bank, confirmed that TD Bank incorrectly applied my final settlement payment as a regular payment instead of as the settlement completion. Despite this, XXXX XXXX XXXX continues collection efforts, including reporting the debt to credit bureaus, and they failed to provide a record of the first payment processed on XX/XX/XXXX, which was intended as the first settlement payment, a clear supporting evidence of my claim. \nDetails of the Issue : On XX/XX/XXXX, at XXXXXXXX XXXX, I agreed to a settlement with TD Bank Debt Collection XXXX, XXXX ( ID : XXXX ), after receiving a charge-off warning letter ( see attachment, page XXXX ). The settlement terms required XXXX payments of {$1300.00} each, scheduled for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. \nThe first payment was processed successfully on XX/XX/XXXX. When the second payment wasnt debited, I contacted TD Bank. On XX/XX/XXXX, a TD Bank Collection Department representative, XXXX, corrected the issue by processing the remaining {$2600.00} to cover the second and third payments, and assured me this would satisfy the settlement with a \" XXXX '' balance ( see attachment, pages XXXX ). However, TD Bank mistakenly applied this {$2600.00} as a regular payment, leaving a balance on the account. TD Bank did not notify me of this error. I became aware of the balance only when XXXX XXXX XXXX contacted me in XX/XX/XXXX, claiming I owed {$5000.00}. \nTD Banks Failure to Investigate and Respond Appropriately : Since XX/XX/XXXX, I have made multiple attempts to address this error with TD Bank, including sending a formal dispute letter to their XXXX, GA office, supported by proof of the settlement. TD Bank has responded with generic notices stating that the account was sold to XXXX XXXX XXXX, without addressing the original error. They have ignored documentation proving that their incorrect application of my settlement payment caused the balance discrepancy. During the XX/XX/XXXX call with TD Bank agent XXXX, I was informed that the conversation, including my payment, was recorded. I request that TD Bank review this recording as further evidence of their error. \nThe Impact on My Credit and Financial Stability : The erroneous collection account has severely damaged my credit score, resulting in a denied rental application and risking my access to housing, loans, and other essential financial services.\n\nRequest for CFPB Intervention and Resolution : I respectfully request that the CFPB investigate this matter and ensure that TD Bank takes the following corrective actions : 1. Conduct a thorough review of my account history by listening to recorded calls from XX/XX/XXXX, at XXXX XXXX  ( with XXXX XXXX and XX/XX/XXXX ( with XXXX XXXX, to confirm the misapplication of my XX/XX/XXXX, settlement payment. \nXXXX. Confirm completion of the settlement, update the balance to reflect a \" XXXX '' status as of XX/XX/XXXX, and ensure the account reflects this correction. \nXXXX. Notify all three credit bureaus ( XXXX, XXXX, and XXXX ) that the account was settled, and remove the charged-off remark. \nXXXX. Notify XXXX XXXX XXXX to remove the incorrect balance and related collection accounts from all three credit bureaus ( XXXX, XXXX, and XXXX ). \nXXXX. Request XXXX XXXX XXXX to send me an official letter confirming a \" XXXX '' balance and an end to further collection attempts. \nXXXX. Rectify the impact on my credit score by correcting the misinformation and ensuring the settlement is accurately reported. \nThank you for your attention to this matter. TD Banks refusal to properly investigate their error and XXXX XXXX Capitals ongoing collection efforts have forced me to seek the CFPBs assistance. I hope these actions will restore my financial stability and prevent similar issues from affecting others.","date_sent_to_company":"2024-11-08T03:12:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"07650","tags":null,"has_narrative":true,"complaint_id":"10737068","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2024-11-08T03:02:06.000Z","state":"NJ","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["This <em>error</em> has negatively impacted my credit, and TD Bank has repeatedly deflected responsibility, instructing me to communicate solely with XXXX XXXX XXXX ( see attachment, page XXXX ), despite clear evidence that the <em>error</em> originated with TD Banks <em>misapplication</em> of my settlement <em>payment</em>. \nIn XX/XX/XXXX, I submitted a formal complaint to XXXX XXXX XXXX."]},"sort":[15.400543,"10737068"]},{"_index":"complaint-public-v1","_id":"12127254","_score":15.1479,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"According to 15 U.S.C. 1681b, a consumer reporting agency may not furnish a consumer report without permissible purpose. If this account resulted from identity theft or fraudulent activity, any reporting of late payments is unlawful.\n\nAdditionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information shall not report information that it knows or has reasonable cause to believe is inaccurate. If the reported late payments are incorrect, this constitutes a violation of the Fair Credit Reporting Act ( FCRA ).\n\nFurthermore : 15 U.S.C. 1666b : Creditors must apply payments promptly and accurately. Any misapplication leading to a late payment is a violation. \n15 U.S.C. 1666c : A creditor must provide clear disclosures about billing disputes and corrections.\n\n15 U.S.C. 1681s-2 ( b ) : Once notified of a dispute, a creditor must conduct a reasonable investigation and correct any errors. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information are prohibited from reporting data they know or should reasonably know is inaccurate. The presence of these fraudulent late payments on my report indicates a violation of this statute. \n\nI request the following actions : 1. A formal investigation into this identity theft claim 2. Immediate removal of the fraudulent late payments from my credit report 3. Assistance in placing fraud alerts and security measures on my credit file to prevent further unauthorized reporting 4. Written confirmation of the results of this investigation Enclosed, I have included the following documents to support my claim : A copy of my government-issued ID A copy of my credit report highlighting the fraudulent entries Any relevant supporting documentation Please process this dispute urgently, as these fraudulent late payments are damaging my creditworthiness. I appreciate your prompt attention to this matter and request a written response confirming the actions taken.","date_sent_to_company":"2025-02-25T20:08:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77088","tags":null,"has_narrative":true,"complaint_id":"12127254","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-18T22:50:14.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Any <em>misapplication</em> leading to a late <em>payment</em> is a violation. \n15 U.S.C. 1666c : A creditor must provide clear disclosures about billing disputes and corrections.\n\n15 U.S.C. 1681s-2 ( b ) : Once notified of a dispute, a creditor must conduct a reasonable investigation and correct any <em>errors</em>. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information are prohibited from reporting data they know or should reasonably know is inaccurate."],"sub_issue":["Their investigation did not fix an <em>error</em> on <em>your</em> report"]},"sort":[15.1479,"12127254"]},{"_index":"complaint-public-v1","_id":"12127008","_score":15.041625,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"According to 15 U.S.C. 1681b, a consumer reporting agency may not furnish a consumer report without permissible purpose. If this account resulted from identity theft or fraudulent activity, any reporting of late payments is unlawful.\n\nAdditionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information shall not report information that it knows or has reasonable cause to believe is inaccurate. If the reported late payments are incorrect, this constitutes a violation of the Fair Credit Reporting Act ( FCRA ).\n\nFurthermore : 15 U.S.C. 1666b : Creditors must apply payments promptly and accurately. Any misapplication leading to a late payment is a violation. \n15 U.S.C. 1666c : A creditor must provide clear disclosures about billing disputes and corrections.\n\n15 U.S.C. 1681s-2 ( b ) : Once notified of a dispute, a creditor must conduct a reasonable investigation and correct any errors. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information are prohibited from reporting data they know or should reasonably know is inaccurate. The presence of these fraudulent late payments on my report indicates a violation of this statute. \n\nI request the following actions : 1. A formal investigation into this identity theft claim 2. Immediate removal of the fraudulent late payments from my credit report 3. Assistance in placing fraud alerts and security measures on my credit file to prevent further unauthorized reporting 4. Written confirmation of the results of this investigation Enclosed, I have included the following documents to support my claim : A copy of my government-issued ID A copy of my credit report highlighting the fraudulent entries Any relevant supporting documentation Please process this dispute urgently, as these fraudulent late payments are damaging my creditworthiness. I appreciate your prompt attention to this matter and request a written response confirming the actions taken.","date_sent_to_company":"2025-02-25T20:08:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77088","tags":null,"has_narrative":true,"complaint_id":"12127008","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-19T00:32:57.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Any <em>misapplication</em> leading to a late <em>payment</em> is a violation. \n15 U.S.C. 1666c : A creditor must provide clear disclosures about billing disputes and corrections.\n\n15 U.S.C. 1681s-2 ( b ) : Once notified of a dispute, a creditor must conduct a reasonable investigation and correct any <em>errors</em>. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information are prohibited from reporting data they know or should reasonably know is inaccurate."],"sub_issue":["Their investigation did not fix an <em>error</em> on <em>your</em> report"]},"sort":[15.041625,"12127008"]},{"_index":"complaint-public-v1","_id":"12127001","_score":15.041625,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"According to 15 U.S.C. 1681b, a consumer reporting agency may not furnish a consumer report without permissible purpose. If this account resulted from identity theft or fraudulent activity, any reporting of late payments is unlawful.\n\nAdditionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information shall not report information that it knows or has reasonable cause to believe is inaccurate. If the reported late payments are incorrect, this constitutes a violation of the Fair Credit Reporting Act ( FCRA ).\n\nFurthermore : 15 U.S.C. 1666b : Creditors must apply payments promptly and accurately. Any misapplication leading to a late payment is a violation. \n15 U.S.C. 1666c : A creditor must provide clear disclosures about billing disputes and corrections.\n\n15 U.S.C. 1681s-2 ( b ) : Once notified of a dispute, a creditor must conduct a reasonable investigation and correct any errors. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information are prohibited from reporting data they know or should reasonably know is inaccurate. The presence of these fraudulent late payments on my report indicates a violation of this statute. \n\nI request the following actions : 1. A formal investigation into this identity theft claim 2. Immediate removal of the fraudulent late payments from my credit report 3. Assistance in placing fraud alerts and security measures on my credit file to prevent further unauthorized reporting 4. Written confirmation of the results of this investigation Enclosed, I have included the following documents to support my claim : A copy of my government-issued ID A copy of my credit report highlighting the fraudulent entries Any relevant supporting documentation Please process this dispute urgently, as these fraudulent late payments are damaging my creditworthiness. I appreciate your prompt attention to this matter and request a written response confirming the actions taken.","date_sent_to_company":"2025-02-25T20:08:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77088","tags":null,"has_narrative":true,"complaint_id":"12127001","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-19T00:32:57.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Any <em>misapplication</em> leading to a late <em>payment</em> is a violation. \n15 U.S.C. 1666c : A creditor must provide clear disclosures about billing disputes and corrections.\n\n15 U.S.C. 1681s-2 ( b ) : Once notified of a dispute, a creditor must conduct a reasonable investigation and correct any <em>errors</em>. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information are prohibited from reporting data they know or should reasonably know is inaccurate."],"sub_issue":["Their investigation did not fix an <em>error</em> on <em>your</em> report"]},"sort":[15.041625,"12127001"]},{"_index":"complaint-public-v1","_id":"6150963","_score":14.827281,"_source":{"product":"Student loan","complaint_what_happened":"XXXX XXXX XXXX from Wells Fargo Enterprise Complaints Management Office responded to CFPB complaint XXXX writing in-part \" As a fair and responsible lender, we are required by the Fair Credit Reporting Act ( FCRA ) to report the true history of each account ... Since we have confirmed the information reported for this account is accurate, we are unable to honor the request to delete or update the reporting to reflect a more favorable account history. The FCRA allows us to continue reporting the account for seven years from the first delinquency that led to charge off, which for this loan is XX/XX/XXXX ( for loan ending in XXXX ) and XX/XX/XXXX ( for loan ending in XXXX ). Once this time has passed, the account information can be removed from your credit profile as described in the FCRA. '' However a portion of the FCRA, 15 USC 1681s2 ( a ) ( 1 ) ( A ) states : \" A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' Now, I have disputed the issues outlined in XXXX et. al. with XXXX. XXXX conducted an investigation and reviewed the documentation I supplied, and after review found that the information Wells Fargo was furnishing for XXXX and XXXX into my credit files was invalid/unverifiable. To quote their response to CFPB complaint XXXX : \" After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. XXXX has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. In response to your request, the following actions were taken on your credit file : You disputed the following accounts andlor public records on your credit file. Below includes the results of that investigation. WELLS FARGO EFSUPDATED WELLS FARGO EFSDELETED '' I am providing a copy of the full XXXX response to XXXX, which makes clear XXXX removed the derogatory history for one ( 1 ) of the accounts and deleted the accounXXXX  ( s ). Two-hundred ( XXXX ) complaints with the CFPB have been filed in just the last two ( 2 ) years regarding the issues Wells Fargo acknowledges they \" decline '' to fix. At this point Wells Fargo knows, or should know, the data they are furnishing for XXXX and XXXX is incohate. I've written such, and at least one ( 1 ) CRA has arrived at the same conclusion. In fact, any reasonable person ( not lender, but person, ie firm ) would arrive at the same conclusion. The bottom line is the information Wells Fargo is furnishing to the CRAs is generated based upon a misapplication of payments, and a failure to generate statements in accordance with TILA/Regulation Z. Wells Fargo knows this. XXXX XXXX actually tried to provide an incohate explanation for it : \" Well you didn't let us know payment was misapplied. '' If Wells Fargo stops generating periodic statements, claiming an account was in a deferment and/or forbearance as reasoning, how would a consumer know about misapplied payments. How would a consumer know Wells Fargo was continuing to bill them during that same period? None of this is new. This is the cultural MO of Wells Fargo. To quote the CFPB in it's findings regarding WF student loan practices, \" Wells Fargo failed to provide the level of student loan servicing that borrowers are entitled to under the law. Because of the breakdowns throughout Wells Fargos servicing process, thousands of student loan borrowers encountered problems with their loan or received misinformation about their payment options. The CFPB found that the company violated the Dodd-Frank Wall Street Reform and Consumer Protection Acts prohibitions against unfair and deceptive acts and practices, as well as the Fair Credit Reporting Act. '' Unfair and deceptive acts and practices seems to be WF way of doing business. It's unfair, it's deceptive, it's abusive, and in summary UNLAWFUL ( see 12 U.S. Code 5536 ). All I've asked WF to do is fix the errors -- nothing more. Instead they've tried to insist there are no errors. Yet, the documentation they continue to supply with each response shows otherwise. XXXX XXXX can't even keep a consistent explanation from response to response. So no, it's not once time ( 7 years ) has past the information can be removed. That would require the information to be accurate and lawfully generated. A CO due to misapplication of a payment is not lawful ( see 12 U.S. Code 5536 ). Non-compliance with statement generation under Regulation ZTILA that would allow a consumer to catch a billing error is unlawful ( see 12 CFR 1026.2 ( a ) ( 4 ) and 12 U.S. Code 5536 ). Refusing to fix an error and claim \" we find no errors. '' when their on documentation shows otherwise, and when at least one ( 1 ) CRA has concluded errors exist, is a blatant violation. Being notified on at least two-hundred ( 200 ) different occasions that such errors exist, repeatedly denying what is known, or should be known, is an error, and refusing to fix those errors is a violation ( see 15 U.S. Code 1693f and 15 USC 1681s2 ( a ) ( 1 ) ( A ) ). Continuously furnishing information that is known, or should be known, is erroneous is a violation of 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ). I am asking for a fair resolution that is verbatim what XXXX revived and on which they acted after concluding the data WF was furnishing to it was inchoate. There's no excuse under the FCRA for WF not to take it upon themselves to do the same thing. In fact, it compels Wells Fargo to do what I've asked because at this point, despite whatever claims WF comes up with, WF knows, and or should know, the data furnished for XXXX and XXXX is horridly inchoate and unlawful.","date_sent_to_company":"2022-11-02T02:41:44.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"48103","tags":null,"has_narrative":true,"complaint_id":"6150963","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-11-02T01:08:15.000Z","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 customer service"},"highlight":{"complaint_what_happened":["The bottom line is the information Wells Fargo is furnishing to the CRAs is generated based upon a <em>misapplication</em> of <em>payments</em>, and a failure to generate statements in accordance with TILA/Regulation Z. Wells Fargo knows this."],"issue":["Dealing with <em>your</em> lender or servicer"]},"sort":[14.827281,"6150963"]},{"_index":"complaint-public-v1","_id":"2744047","_score":14.477093,"_source":{"product":"Mortgage","complaint_what_happened":"Dear Sir/Mam\nIn an ongoing investigation of my mortgage payments and escrow account with XXXX XXXX we have come across numerous attempts by this company to committ fraud and cause us injury by changing our mortgage payments and principal amount of the mortgage.Specifically, Loancare processes and withheld payments in suspense accounts that were for mortgage payments. Then when question and notified of this continue to manipulate the payments by changing the amount on the principal balance of the mortgage. Then they went back almost a year and change payments that were already made by myself to cover it up calling it misapplication reversals. They continue to cook their books and the process has been riddled with error all along. However, we kept copies and we attempted to communicate constantly with them questioning why they were doing this. Yet received numerous answers which did not correct the errors. I have recorded phone calls, I have print outs of the history of payments before and after they changed these payments around and the principal mortgage. This fraud needs to stop. They are taking advantage of veterans and the VA Loan system and it should be against the law. LoanCare has failed to conduct escrow analyses correctly and sent some me the borrower  escrow statement where the mortgage balance has increased instead of the principal balance decreasing. They have increased our monthly payment as a result of these errors as well. Today when I logged in to make my mortgage payment now says I am 30 days behind. We are not 30 days behind nor have we ever been. Our mortgage payment went from XXXX to $XXXX because of their escrow errors and now they note online we are 30 days behind. When will this stop and what will the charge us for a mortgage payment next. Just pick a number?? I will attach the before they cook the book mortgage history and what they changed it to after the claim they missplication reversal payments. Please investigate LoanCare. LoanCare is taking advantage of this VA Loan. I can't seem to get a straight answer from thier customer service. Today I was given two different amounts of payment due, its ridiculous. First I was told we owed  XXXX, then we were told we owed XXXX. We were so tired of the errors with the escrow we asked them to let us pay our own tax bills/homeowner insurance. They denied us the ability to do so. Then we asked for an analysis and things got worse.  We can't keep going like this it is to stressful. Please investigate this.  Please view the Payment history dated XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX. Pay close attention to the principal balances and the escrow paid and balances. There is something very wrong. Very soon I will be paying an accounting firm to review these documents as well and run a private analysis of all funds paid and escrow. Thank you for your time. \n\n\nXX/XX/XXXX Veteran\nXX/XX/XXXX","date_sent_to_company":"2017-12-12T16:22:01.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"329XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2744047","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2017-12-02T19:48:12.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Thank you for <em>your</em> time. \n\n\nXX/XX/XXXX Veteran\nXX/XX/XXXX"],"issue":["Trouble during <em>payment</em> process"]},"sort":[14.477093,"2744047"]},{"_index":"complaint-public-v1","_id":"22596398","_score":14.201885,"_source":{"product":"Mortgage","complaint_what_happened":"XX/XX/XXXX Bank of America , N.A .\n\nAttention : Notice of Error and Request for Information XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Counsels - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX .\n\nBank of Americas XX/XX/XXXX letter is a DOE and legally deficient, factually incomplete, and deliberately evasive. Bank of America, can not simultaneously claim that their response is provided under Regulation X, 12 C.F.R. 1024.35 and 1024.36, while also arguing that the XX/XX/XXXX correspondence forwarded by XXXX XXXX was not a proper Notice of Error or Request for Information because it was not sent to your designated address. Regulation X does not permit a servicer to invoke its protections when convenient and disclaim its obligations when inconvenient.\n\nYour letter repeatedly states that no errors were identified and no corrections are required. These conclusory assertions are insufficient. You fail to describe the scope of any investigation performed, the systems or custodians searched, the retention policies applied, or the specific documents relied upon for each determination.\n\nA bare conclusion does not satisfy your obligations under Regulation X.\n\nError 1 HOA Payment Misapplication Your claim that all payments were applied correctly and that you have no record of any HOA payment misapplication is not credible. Bank of America has no authority to decide whether HOA payment errors occurred in this account. The U.S. government, via XXXX XXXX and other federal agencies, hired a third party who determined who has already conducted an audit and identified errors in the handling of the HOA and on this loan. That finding alone is supersedes Bank of America and it is sufficient to establish that servicing errors took place. Bank of America, with all their law firms, is not a regulatory agency and can not simply override or ignore a government audit by issuing a self-serving statement that it found no error.\n\nMoreover, the Loan History Statement you attached does not address the critical period when the property was under the control of your preservation contractors, ( Who admitted the locks were changed without authorization, and when the property was severely damaged.\n\nBank of America generated an AI letter as the HOA matter does not pertain to Bank of America. Furthermore, Bank of America, does not have access to accounting information nevertheless any ledger, accounting statement, or distribution record showing the actual amounts paid to the XXXX XXXX XXXX XXXX from the foreclosure sale proceeds, or how those amounts were credited against the loan or judgment and if Bank of America does have HOA information, it will be interesting to know how it was obtained.\n\nIt is now well documented that during this period, major banks, including through their relationship with XXXX XXXX, colluded with homeowners associations to drive foreclosures and extract payments from distressed homeowners. \nBank of America blanket denial, combined with the refusal to produce the actual HOA distribution records from the sale, raises serious questions about whether Bank of America is attempting to conceal the full extent of the payment misapplication and the improper benefit the Association received from the defective foreclosure process.\n\nA bare assertion that all payments were applied correctly without producing the underlying HOA ledgers, sale proceeds distribution records, or any explanation of how the government audit findings were considered does not constitute a reasonable investigation under Regulation X and the sole mentioned of it, means that an audit is merited. Error 2 Property Preservation Damage and Insurance Proceeds Bank of America state that property preservation activities were conducted in accordance with standard servicing practices and that Bank of America have no record of any insurance claims or proceeds. This response is inadequate. Your own preservation contractors caused damage to the property. One of your agents changed the locks and installed a lock-box without authorization, after which appliances and personal property were removed. The XXXX XXXX Police Department documented this incident. Your claim that you have no record of insurance claims does not address the damage caused by your own agents while the property remained legally mine. You have also failed to identify the systems searched or provide any preservation vendor records, invoices, or communications.\n\nError 3 Foreclosure Sale Based on Depressed Valuation You claim the foreclosure sale was conducted in accordance with applicable law and that the valuation was based on the condition of the property at the time of appraisal. You do not address the XX/XX/XXXX court order that specifically noted PROPERTY DAMAGE and directed Bank of America to repair the property within thirty days. You also ignore contemporaneous appraisals showing the damaged property was valued at approximately {$100000.00} less than half the judgment amount. You can not damage the property, ignore a court repair order, sell it in that condition, and then claim the valuation was accurate. You have provided no valuation analysis, property-condition evidence, or preservation records tied to the valuation.\n\nError 4 DOJ Enforcement Action Review and Exclusion from Settlements Bank of America state that the loan was not identified for review under any DOJ enforcement action or settlement. Bank of America response is not only disingenuous, but it also misleading.\n\nIn addition to the 2012 California-specific robo-signing case ( Case No. XXXX ), there were several major nationwide settlements involving Bank of America and its predecessor, XXXX. \nIn XXXX, the Department of Justice entered into its largest residential fair lending settlement in history against XXXX XXXX XXXX ( then owned by Bank of America ) in the Central District of XXXX. The {$330.00} XXXX settlement addressed systemic discrimination against minority borrowers. Plaintiff was excluded from any relief under this settlement despite extensive prior communications with Bank of America. \nIn XXXX, Bank of America, along with other major servicers, entered into the {$25.00} XXXX XXXX XXXX Settlement resolving widespread foreclosure and servicing abuses, including robo-signing. Bank of America paid the largest share of this settlement. Plaintiff was again excluded from any borrower relief.\n\nBetween XXXX and XXXX, Bank of America paid approximately {$16.00} XXXX to resolve Residential Mortgage-Backed Securities claims. Plaintiff received no compensation or remediation under any of these agreements, despite the clear overlap between the misconduct addressed in those settlements and the facts of her foreclosure, property damage, confirmation defects, and post-sale accounting issues.\n\nBank of America statement that the loan was not identified for review does not change the fact that Plaintiff was systematically excluded from relief programs designed to address the very categories of harm she suffered.\n\nIncomplete Foreclosure Accounting and Record Destruction Bank of America state that records concerning the distribution of foreclosure proceeds and the VA net-value acquisition calculation are no longer retained in your archival system. You provide only a partial Loan History Statement. You have not demonstrated that you conducted a reasonable search of all servicer files, foreclosure files, legal files, guaranty-claim files, or vendor files. Simply claiming records are purged or may be with the VA does not satisfy your obligations under Regulation X or in active litigation. Bank of America have also failed to provide document retention policy, purge dates, or an affidavit from a records custodian.\n\nCredit Reporting Response You state that the loan is no longer being reported to consumer reporting agencies and that prior reporting was accurate when made. This is insufficient. You have not identified what was actually reported, when it was reported, to which agencies, or what documents you reviewed to conclude the reporting was accurate and how negatively impacted and impacts my credit- despite that U. S. Federal agencies found these errors. A conclusory statement does not constitute a reasonable investigation.\n\nDemand for Supplemental Response Bank of America must supplement its response within ten ( 10 ) business days and provide the following : All documents reviewed or relied upon for each no error determination.\n\nThe complete foreclosure sale accounting, including distribution of proceeds and any VA net-value calculations.\n\nAll property preservation vendor records, invoices, work orders, and communications.\n\nAll HOA ledgers and records showing amounts paid from sale proceeds and how they were credited.\n\nAll insurance claim and proceeds records ( or a sworn explanation if none exist ) .All credit reporting history for this loan.\n\nA request-by-request explanation, tied to a specific Regulation X exception, for every document withheld as over-broad, burdensome, irrelevant, privileged, or outside your possession.\n\nFailure to provide a complete and compliant supplemental response will be treated as continued noncompliance with Regulation X and as evidence of bad faith.\n\nNothing in this letter waives any rights, claims, objections, remedies, or damages. All prior reservations of rights remain in full force and effect.\n\nSincerely, XXXX XXXX Notice of Fiduciary and Ethical Obligations to XXXX XXXX XXXX This addemdum is directed to you in your capacity as counsel for Bank of America , N.A . in connection with the above-referenced loan and property. You are hereby placed on formal notice of your fiduciary duties and ethical obligations as an officer of the court. It appears that AI drafted a letter with matters that do not pertain to Bank of America.\n\nAs an attorney representing a client in matters involving federal statutes, ongoing litigation, and regulatory compliance, you owe duties that extend beyond mere advocacy for your client. These include : Duty of Candor to the Tribunal Under the ABA Model Rules of Professional Conduct, Rule 3.3, and the corresponding rules adopted by the jurisdictions in which you practice, you have an affirmative duty to be candid with courts and to correct false or misleading statements made to any tribunal.\n\nThis duty continues even after a representation has concluded if you later learn that false evidence or statements were presented.\n\nDuty to Avoid Assisting in Fraud or Misrepresentation You may not knowingly make a false statement of fact or law to a third party, nor may you assist a client in conduct that you know is criminal or fraudulent. This includes responses to formal regulatory requests under the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605, and Regulation X.\n\nDuty to Conduct a Reasonable Investigation When responding to a borrowers Notice of Error or Request for Information under 12 C.F.R. 1024.35 and 1024.36, counsel has an obligation to ensure that the servicer has conducted a reasonable search and that the response is accurate and complete. A response that relies on conclusory statements while withholding material records does not satisfy this duty. \n\nDuty as an XXXX of the XXXX You are not merely a private advocate. You are an XXXX of the legal system with a special responsibility for the quality of justice. This includes the obligation to refrain from conduct that undermines the integrity of judicial or administrative processes, including the concealment of material information or the making of representations that are inconsistent with known facts in the record. \n\nThe XX/XX/XXXX response letter issued on behalf of Bank of America contains multiple deficiencies that raise serious concerns about compliance with these obligations. These include contradictory positions regarding the applicability of Regulation X, conclusory no error findings unsupported by identified records, failure to produce critical accounting and distribution documents from the foreclosure sale, and incomplete or evasive responses regarding property preservation, HOA payments, and credit reporting.\n\nYou are further advised that continued reliance on prior responses, blanket assertions that records have been purged, or deflection of responsibility to other entities ( such as the VA ) without a demonstrated reasonable search of all relevant files may constitute a violation of your ethical duties, particularly in light of the government audit findings and the documented internal concerns regarding the foreclosure and title issues.\n\nThis letter serves as formal notice that any further deficient or misleading responses may be used as evidence of bad faith and may be brought to the attention of the appropriate courts, regulatory bodies, and disciplinary authorities.\n\nNothing in this letter constitutes a waiver of any rights, claims, or remedies available to me. All prior objections, demands, and reservations of rights remain in full force and effect.\n\nI expect a complete and compliant supplemental response within the timeframe previously demanded. \n\nSincerely, XXXX XXXX Issue in XXXX Letter, Why Its an Error, Regulation/ Legal Problem 1 ) Contradictory position on Regulation X, '' They claim the response is under 1024.35 & 1024.36, but then say your XXXX  XX/XX/XXXX letter ( forwarded by XXXX ) was not a proper RESPA request because it wasnt sent to the designated address. '' You can not invoke the protections of Regulation X while simultaneously disclaiming its obligations. This is a classic bad-faith tactic.\n\n2 ) Conclusory no error findings, '' They repeatedly say no errors were identified without describing what investigation was done, which systems were searched, or which documents were reviewed. \", Regulation X requires a reasonable investigation. A bare conclusion is insufficient ( see XXXX XXXX Bank of America ). \n\n3 ) Failure to identify relied-upon documents, They never clearly list what records they actually reviewed for each no error determination., Required under 12 C.F.R. 1024.35 ( e ) and 1024.36 ( d ).\n\n4 ) Global / blanket objections, '' They make a broad statement that some requests are overbroad, burdensome, or not in their possession without tying each objection to specific requests. \", Regulation X requires them to respond to the reasonably identifiable portion and explain each withholding specifically.\n\n5 ) Incomplete foreclosure accounting, '' They only gave a partial Loan History Statement and claimed records of foreclosure proceeds distribution and VA net-value calculation are no longer retained. They did not prove they searched all relevant files ( servicing, legal, foreclosure, vendor ). \", This is not a reasonable search. They also failed to provide retention policy or custodian affidavit.\n\n6 ) VA record deflection, They say VA net-value records may have been maintained by the VA without showing they searched their own guaranty-claim files or vendor files., XXXX ( as servicer ) had obligations to maintain and produce these records.\n\n7 ) Weak valuation response ( Error 3 ), '' They claim the sale was proper and valuation was accurate, but completely ignore the XX/XX/XXXX court order ( PROPERTY DAMAGE ) and the XX/XX/XXXX appraisals showing ~ $ XXXX value. \", They must address the specific evidence you raised.\n\n8 ) Misleading settlement response ( Error 4 ), They say the loan was not identified for any settlement. This is misleading because you were excluded from the XXXX XXXX Fair Lending Settlement and the XXXX XXXX XXXX Settlement despite the nature of your claims., They are downplaying the pattern of exclusion.\n\n9 ) Credit reporting response is conclusory, '' They say the loan is no longer reported and prior reporting was accurate when made without identifying what was reported, when, or to which bureaus. \", This does not constitute a proper investigation or correction under FCRA or RESPA.\n\n10 ) Record destruction without justification, \" They admit BPOs and old escrow statements were purged but provide no retention policy, purge dates, or proof of reasonable search before destruction ( especially after litigation was foreseeable ). \", This can support spoliation arguments.","date_sent_to_company":"2026-05-27T00:09:47.000Z","issue":"Struggling to pay mortgage","sub_product":"VA mortgage","zip_code":"21209","tags":"Servicemember","has_narrative":true,"complaint_id":"22596398","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-05-26T23:46:12.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Foreclosure"},"highlight":{"complaint_what_happened":["<em>Error</em> 1 HOA <em>Payment</em> <em>Misapplication</em> <em>Your</em> <em>claim</em> that all <em>payments</em> were applied correctly and that you have no record of any HOA <em>payment</em> <em>misapplication</em> is not credible. Bank of America has no authority to decide whether HOA <em>payment</em> <em>errors</em> occurred in this account. The U.S. government, via XXXX XXXX and other federal agencies, hired a third party who determined who has already conducted an audit and identified <em>errors</em> in the handling of the HOA and on this loan."]},"sort":[14.201885,"22596398"]},{"_index":"complaint-public-v1","_id":"8283668","_score":13.886711,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to file a formal complaint against Comenity Bank, the issuer of my XXXX XXXX  credit card, regarding an issue with the application of my recent payment and the subsequent denial of a refund for an unjustified fee. \n\nOn XX/XX/2024, I made a {$200.00} payment towards my XXXX XXXX credit card through the Comenity website. This payment was intended to cover my XXXX statement, but due to the same-day posting and the statement cut-off, it was mistakenly applied as additional principal for XXXX. Consequently, I received a late notice on XX/XX/2024, indicating a failure to make the XXXX payment. \n\nUpon discovering the error, I promptly contacted Comenity customer service on the same day at XXXX XXXX XXXX. The initial customer service representative acknowledged the misapplication of my payment and assured me that it could be rectified. Unfortunately, the call terminated during the transfer to another agent. Despite this setback, I called back at XXXX XXXX  and spoke with a different representative who confirmed the payment history, acknowledged the lack of notification on the website about the payment cycle, but stated that a refund was not possible due to their relationship with the merchantXXXX XXXX XXXX \n\nFurthermore, I spoke with a Senior Customer Service representative who, while acknowledging my excellent payment history, claimed that the fault lay with me for not knowing the statement cut-off dates. Despite my arguments and pointing out the lack of notification on the website during payment initiation, he refused to refund the {$30.00} fee. \n\nMy research has revealed two critical points : 1. The company policy, as outlined in the monthly statement, explicitly states that they can refund fees. \n2. Attached are transaction views from both my PC and XXXX  device, illustrating how Comenity Bank charges interest and accepts payments at the end of each payment cycle. The payment in question, similar to others, shows the collection of interest, application of my {$200.00} payment, but inexplicably includes a {$30.00} fee. \n\nIn light of these findings, I am formally requesting the Consumer Financial Protection Bureau 's intervention to address this matter. I kindly request a thorough investigation into the unjust application of my payment and the refusal to refund the {$30.00} fee, as it contradicts the company 's stated policy. \n\nI appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will ensure a fair resolution in accordance with established regulations.","date_sent_to_company":"2024-02-06T02:41:02.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"210XX","tags":null,"has_narrative":true,"complaint_id":"8283668","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2024-02-06T02:35:00.000Z","state":"MD","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["The initial customer service representative acknowledged the <em>misapplication</em> of my <em>payment</em> and assured me that it could be rectified. Unfortunately, the call terminated during the transfer to another agent."]},"sort":[13.886711,"8283668"]},{"_index":"complaint-public-v1","_id":"13831904","_score":13.866563,"_source":{"product":"Mortgage","complaint_what_happened":"new discrepancy were discovered when reviewing there response to last and noted below, I have sent the following with attachments XXXX XXXX XXXX Interest Rate Discrepancies and unexplained Changes In your recent response, you claimed that my interest rate was adjusted from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. However, my own records, including screenshots ( see XXXX ( XXXX ) a, b, c, d ) indicate the interest rate on XX/XX/XXXX @ XXXX AM was XXXX XXXX and that the interest rate was also changed in XX/XX/XXXX. \nAdditional evidence : ENCL ( XXXX ) : XXXX payment breakdown showed Principal of {$1000.00} with Interest : {$210.00} / XX/XX/XXXX payment showed Principal of {$1000.00} with Interest : {$200.00} These figures align with a significantly lower interest rate, not 8.00 % ENCL ( XXXX ) : XXXX XXXX rate chart showing no changes in XX/XX/XXXX or XX/XX/XXXX let alone XX/XX/XXXX. \nXXXX Lack of Timely Statement and Communication I never received statements for XXXX or XX/XX/XXXX, ( Found XXXX Hidden in Other Documents in Online Portal Later ), and was confused by the online portal showing {$0.00} due in XXXX days. When I contacted your office in XX/XX/XXXX, I was informed the account was under audit and suspended informed of payment amount. I submitted the next payment on time based on that phone conversation ( see XXXX ( XXXX ) a, b, c, d ). \nYour automated system to this date still incorrectly states the last payment was on XX/XX/XXXX for {$1900.00}, despite subsequent on-time payments to date. \n\n\nXXXX XXXX Payment Errors & inaccurate placements of payments. \nIn the original complaint was for XXXX payment being lost. You stated in your response that that you fixed XXXX payment problem and then stated that you fixed XXXX payment problems. XXXX payment problem ENCL ( XXXX ) a, b, c as I used the online portal due to the fact I was out of country from XX/XX/XXXX to XX/XX/XXXX stated on my passport with XXXX phone service. \nYour claim that I confirmed a correction via phone on XX/XX/XXXX, is false, as I had no phone service during that time. ( passport stamps ) ( ENCL ) ( XXXX ) c. \nStill to this date I have trouble getting the payment to be applied properly? \n\nXXXX. Agreement with XXXX XXXX and Improper Interest Rate Increases On XX/XX/XXXX, my loan was reinstated under a verbal agreement for fixed XXXX XXXX interest rate and payment of {$26000.00} with monthly payments of {$1200.00} with XXXX XXXX from that point until the loan was transferred to Fay Servicing I made all payments as agreed. ( {$1200.00} ) Received consistent statement confirming the 2.5 % rate. \nReceived a credit adjustment of {$210.00} after an audit on XXXX XXXX. \nWhen XXXX acquired the loan and unilaterally changed the interest rate in XXXX, XXXX. XXXX months later, you requested proof of the XXXX XXXX  Fixed rate, which appears to have been found in XX/XX/XXXX ( see XXXX ( XXXX ) a-f ), but never disclosed to me? \n\nXXXX. Errors in Application of Funds and Balance Adjustments Statements for XXXX and XX/XX/XXXX show only a {$630.00} difference in balance, yet your correction spreadsheet indicates an interest charge of {$1100.00} in XX/XX/XXXX, which would be inaccurate if the rate had truly adjusted rate in XX/XX/XXXX. \n\nThis suggests : -Improper reversal or misapplication of funds -Lack of monthly recalculation following an alleged interest rate change -Accounting oversight requiring immediate audit ( see ENCL ( 7 ) a, b )","date_sent_to_company":"2025-06-01T17:45:10.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"89081","tags":"Servicemember","has_narrative":true,"complaint_id":"13831904","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fay Servicing, LLC","date_received":"2025-06-01T16:59:49.000Z","state":"NV","company_public_response":null,"sub_issue":"Interest rate"},"highlight":{"complaint_what_happened":["When I contacted <em>your</em> office in XX/XX/XXXX, I was informed the account was under audit and suspended informed of <em>payment</em> amount. I submitted the next <em>payment</em> on time based on that phone conversation ( see XXXX ( XXXX ) a, b, c, d ). \n<em>Your</em> automated system to this date still incorrectly states the last <em>payment</em> was on XX/XX/XXXX for {$1900.00}, despite subsequent on-time <em>payments</em> to date. \n\n\nXXXX XXXX <em>Payment</em> <em>Errors</em> & inaccurate placements of <em>payments</em>."],"issue":["Trouble during <em>payment</em> process"]},"sort":[13.866563,"13831904"]},{"_index":"complaint-public-v1","_id":"19787904","_score":13.687681,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX. \nXXXX, FL XXXX Phone : XXXX XX/XX/XXXX Capital One XXXX Resolution Team Attn : General Correspondence P.O. XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : FORMAL ESCALATION Misapplication of Visa Dispute Rules Account Ending In : XXXX Transaction Amount : {$2700.00} Dispute Case XXXX XXXXXXXX Merchant : XXXX Living Furniture To the XXXX Resolution Team, I am writing to formally appeal the denial of my dispute regarding the purchase of XXXX barstools in XX/XX/XXXX. My dispute has been erroneously rejected based on a \" XXXX rule '' calculated from the transaction date. This is a direct violation of XXXX XXXX XXXX regarding merchandise quality disputes. \n\nXXXX of Events : Transaction Date : XX/XX/XXXX. \nDelivery Date : XX/XX/XXXX. \n\nThe Issue : I ordered Italian-manufactured barstools ; I received a significantly different product manufactured in XXXX. \n\nMerchant Acknowledgment : On XX/XX/XXXX, the merchant admitted the error in writing and promised a pickup/refund within XXXX weeks, which has not occurred. On the XX/XX/XXXX email from a paragraph to he clearly stated that ( \" my focus was finding pieces that fit your lifestyle and the look of your home rather than prioritizing where they were made. ) He specifically stated that this is his error even though my original order specifically stated XXXX only Regulatory and Network Basis for Appeal : XXXX  Rule XXXX ( Not as Described ) : Under Visas global dispute standards, the XXXX window for filing a \" Not as Described '' dispute begins on the date the cardholder received the merchandise, not the transaction date. As I received the goods on XXXX XXXX the deadline to file is XX/XX/XXXX. I am well within my rights. \n\nFair Credit Billing Act ( XXXX ) : While the XXXX provides a XXXX window for billing errors, it also protects consumers ' rights to withhold payment for \" Claims and Defenses '' regarding the quality of goods. Capital One 's internal automation is failing to account for delayed delivery dates, which is a documented merchant error. \n\nRequested Action : I request that a senior analyst manually re-open this case under Visa Reason Code XXXX. I have attached the text message correspondence between the merchant and myself on XX/XX/XXXX and the merchants XX/XX/XXXX admission of fault. \n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-02-25T21:18:21.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"19787904","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-02-25T21:07:56.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Fair Credit Billing Act ( XXXX ) : While the XXXX provides a XXXX window for billing <em>errors</em>, it also protects consumers ' rights to withhold <em>payment</em> for \" <em>Claims</em> and Defenses '' regarding the quality of goods. Capital One 's internal automation is failing to account for delayed delivery dates, which is a documented merchant <em>error</em>. \n\nRequested Action : I request that a senior analyst manually re-open this case under Visa Reason Code XXXX."],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on <em>your</em> statement"]},"sort":[13.687681,"19787904"]},{"_index":"complaint-public-v1","_id":"16574875","_score":13.45037,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX Reply to Mr. Cooper Mortgage XXXX  To Whom It May Concern, I have reviewed the documents and the response letter from Mr. Cooper Mortgage XXXX XXXX Nationstar Mortgage LLC ) ( XXXX XXXX  ). I am writing to formally dispute the actions taken by your company regarding our homeowners insurance and to address several inaccuracies and procedural concerns. This is my response to your previous response. \n\nKey Issues : XXXX. False Claim of XXXX XXXX We received multiple letters from Mr. Cooper stating that our homeowners insurance had expired. This was incorrect. We provided proof that our insurance was active and current. Your own recent correspondence confirms that we submitted this proof and that our insurance had not expired. \nXXXX. Lack of Proper Notification Regarding XXXX XXXX XXXX  Requirement We did not receive the XX/XX/year>, letter, which, according to your company, outlined a requirement for our insurance provider to maintain a XXXX  or better rating from the XXXX XXXX XXXX XXXX XXXX. I affirm under oath that we did not receive this communication. Regardless, our insurance is with XXXX XXXX XXXX, a reputable and financially sound institution. \nXXXX. XXXX XXXX Requires Reasonable XXXX XXXX law states that a lender must accept reasonable insurance coverage. XXXX XXXX is a licensed and regulated insurance provider, and it is unreasonable to claim that it is not acceptable without providing a clear and substantiated reason. \nXXXX. XXXX of XXXX XXXX XXXX XXXX XXXX I have attached documentation from XXXX XXXX that explicitly states its Financial Strength Rating ( FSR ) is not intended to determine the suitability of any particular policy or contract for a specific purpose. Relying solely on this rating to disqualify our insurance provider is not supported by XXXX XXXX XXXX XXXX XXXX by itself and is a misapplication of their guidelines. \nXXXX. Contradictory and Incomplete Documentation Your most recent letter references an enclosed Deed of Trust, which was not included. It also cites Section XXXX, which states the mortgagee must maintain insurancesomething we have consistently done. However, your prior letters only referenced an alleged lapse in insurance coverage, not any issue related to the insurers rating. \nXXXX. XXXX XXXX Was Unwarranted Your company acted to force-place insurance based on an incorrect claim of expired coverage and without providing adequate notice regarding rating requirements. This action appears both unethical and potentially unlawful. So the XXXX months and XXXX letters prove to be invalid because of the erroneous reasons given. This also violates the time given and notices required by XXXX XXXX. \nXXXX. Our Perfect Payment History We have never missed a mortgage or any other payment. We are responsible homeowners who comply with all requirements and maintain valid insurance. The forced placement of insurance, in light of the facts above, was entirely unjustified. \n\nRequested Actions : XXXX. Immediate removal of any forced-placed insurance. \nXXXX. Full reimbursement for any charges related to this incorrect action. \nXXXX. A written correction and acknowledgment of the errors made in the handling of this matter. \nXXXX. Confirmation that our current insurance provider is acceptable going forward. \n\nI will attached relevant annotated documents, including the excerpt from XXXX XXXX own guide that supports our position. I am more than willing to discuss this further or present supporting documentation to your compliance department, board, or XXXX leadership if needed. \nWe respectfully request that this matter be resolved promptly and that our insurance status be corrected in your records.","date_sent_to_company":"2025-10-14T13:15:46.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"730XX","tags":null,"has_narrative":true,"complaint_id":"16574875","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2025-10-14T13:05:17.000Z","state":"OK","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 writing to formally dispute the actions taken by <em>your</em> company regarding our homeowners insurance and to address several inaccuracies and procedural concerns. This is my response to <em>your</em> previous response. \n\nKey Issues : XXXX. False <em>Claim</em> of XXXX XXXX We received multiple letters from Mr. Cooper stating that our homeowners insurance had expired. This was incorrect. We provided proof that our insurance was active and current."],"issue":["Trouble during <em>payment</em> process"],"sub_issue":["Trying to communicate with the company to fix an issue while managing or servicing <em>your</em> loan"]},"sort":[13.45037,"16574875"]},{"_index":"complaint-public-v1","_id":"20987776","_score":13.370068,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX XXXX Email : XXXX Phone : XXXX JPMorgan Chase Bank , N.A . \nMortgage Servicing Department Subject : Qualified Written Request / Notice of Error Unauthorized Automatic Payments and Misapplication of Funds To Whom It May Concern, This letter constitutes a formal Qualified Written Request ( QWR ) and Notice of Error under the Real Estate Settlement Procedures Act regarding the servicing of my mortgage loan. \n\nI am writing to dispute unauthorized automatic charges and the improper application of payments on my loan. \n\nAt the time of purchasing the property, we were informed that making an initial additional payment toward the principal would significantly reduce the total interest. Based on that representation, we made such payment with the clear understanding that it was a one-time payment applied exclusively to the principal and would not result in any recurring charges. \n\nHowever, your institution subsequently began charging approximately {$4000.00} in additional monthly payments. These charges were never authorized, are not supported by any valid signed consent, and do not correspond to any agreed modification of the loan terms. \n\nWe were later informed that these charges are linked to an alleged Automatic Payment Enrollment Form. I formally dispute this claim. I have never authorized any automatic payment enrollment, nor have I signed any document permitting recurring withdrawals. If such authorization exists, I demand immediate production of the signed documentation. \n\nAdditionally, the initial extra payment was not properly applied to the principal, which has adversely affected the loan balance and interest calculations. \n\nMultiple attempts have been made to resolve this issue, including an in-person visit where we were informed the issue would be corrected in XXXX, which did not occur. Several phone calls have also been made without resolution, including the most recent call today at XXXX XXXX  with a representative named XXXX. \n\n\n\nREQUEST FOR CORRECTION AND INFORMATION Pursuant to RESPA and applicable federal law, I request the following : 1. Immediate cancellation of any unauthorized automatic payments.\n\n2. Removal of all improper monthly charges.\n\n3. Full reimbursement of all amounts collected without authorization.\n\n4. Proper application of the initial payment to the loan principal.\n\n5. Full correction of the loan balance and interest calculations.\n\n6. A complete payment history reflecting how each payment has been applied.\n\n7. Copies of any and all documents allegedly authorizing automatic payments. \n8. A complete servicing file, including payment allocation records. \n\n\n\nRESPONSE DEADLINE Please note that under RESPA, you are required to : Acknowledge receipt of this request within XXXX business days Provide a substantive response within 30 business days If this matter is not resolved promptly, I will continue pursuing this complaint through the Consumer Financial Protection Bureau and reserve all rights to take further legal action. \n\nSupporting documentation is attached. \n\nI expect a prompt and complete resolution. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2026-04-16T19:07:18.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"33177","tags":"Older American","has_narrative":true,"complaint_id":"20987776","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-04-06T20:27:43.000Z","state":"FL","company_public_response":null,"sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["Mortgage Servicing Department Subject : Qualified Written Request / Notice of <em>Error</em> Unauthorized Automatic <em>Payments</em> and <em>Misapplication</em> of Funds To Whom It May Concern, This letter constitutes a formal Qualified Written Request ( QWR ) and Notice of <em>Error</em> under the Real Estate Settlement Procedures Act regarding the servicing of my mortgage loan. \n\nI am writing to dispute unauthorized automatic charges and the improper application of <em>payments</em> on my loan."],"issue":["Trouble during <em>payment</em> process"],"sub_issue":["<em>Payment</em> process"]},"sort":[13.370068,"20987776"]},{"_index":"complaint-public-v1","_id":"13182022","_score":13.174024,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Formal Complaint of Billing Errors, Harassment, and Inaccurate Information To : Consumer Financial Protection Bureau ( CFPB ) Dear Sir/Madam, I am filing a formal complaint against BrightWay/OneMain for continued billing errors, harassment, and the misapplication of payments on my account. Below is a summary of the ongoing issues : Key Issues : Uncredited Payments : I made XXXX payments : XX/XX/year> for {$24.00} and XX/XX/year> for {$74.00}. Despite these payments, the {$74.00} payment was not properly credited on my billing statement, resulting in incorrect charges and late fees. \n\n\nSuspicious Late Fees & Additional Charges : A {$29.00} late fee was assessed on XX/XX/year>, but was reversed the same day. \n\nA {$22.00} late fee was added during the same billing cycle, despite timely payment, and has not been properly credited in my statement. \n\nHarassment and Inaccurate Information : I have been contacted by debt collectors XXXX times per day since XXXX when this issue began, harassing me over inaccurate account balances. This has caused significant distress. \n\nI have called OneMain ( OMF ) XXXX times per month since XXXX, each time addressing these issues and requesting updated statements or corrections, but they have yet to provide accurate or updated information despite their assurances. \n\nThis week alone, I received XXXX conflicting overdue balances : {$23.00} on XX/XX/year>, just XXXX day after making a payment of {$85.00}. \n\n{$110.00} on XX/XX/year>. \n\nA third notice from an XXXX customer care VIP claiming an incorrect balance of {$170.00}. \n\nAdditionally, my personal information, including my address, has not been updated despite multiple requests, further demonstrating the ongoing errors on their part. \n\nLegal Violations : These actions appear to be in violation of the following laws : Fair Credit Billing Act ( 15 U.S.C. 1666 ) : Failure to credit payments and provide accurate billing statements.\n\nFair Debt Collection Practices Act ( 15 U.S.C. 1692 ) : Harassment from debt collectors despite payments being made and unresolved inaccuracies.\n\nUDAAP ( 12 U.S.C. 5531 ) : Deceptive billing practices, misinformation, and failure to correct errors.\n\nRequested Action : Im requesting immediate reversal of all erroneous charges and the proper crediting of payments. \n\nA corrected billing statement for XXXX to XX/XX/year> reflecting accurate fees and payments. \n\nAn investigation into BrightWay/OneMains practices to ensure they comply with consumer protection laws and cease harassment. This situation has caused extensive stress and damages done to my finances and accounting, plus much wasted time on my part in trying to resolve I have maintained thorough documentation of all communications, including recorded calls, and have retained legal counsel. I kindly request your assistance in resolving these issues as quickly as possible. \n\nDocumentation available by request : bank statements, OMF/BrightWay cc statements ( XXXX XXXX XX/XX/XXXX ), screenshots of successfully applied payments, statement with missing credit, debt collection attempts ( calls, emails, texts ), statements showing suspicious charges called late fees, email conversations between me and OMF/BrightWay Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Legal Counsel","date_sent_to_company":"2025-04-26T01:05:34.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"20774","tags":null,"has_narrative":true,"complaint_id":"13182022","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2025-04-26T00:50:14.000Z","state":"MD","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Subject : Formal Complaint of Billing <em>Errors</em>, Harassment, and Inaccurate Information To : Consumer Financial Protection Bureau ( CFPB ) Dear Sir/Madam, I am filing a formal complaint against BrightWay/OneMain for continued billing <em>errors</em>, harassment, and the <em>misapplication</em> of <em>payments</em> on my account. Below is a summary of the ongoing issues : Key Issues : Uncredited <em>Payments</em> : I made XXXX <em>payments</em> : XX/XX/year> for {$24.00} and XX/XX/year> for {$74.00}."]},"sort":[13.174024,"13182022"]},{"_index":"complaint-public-v1","_id":"9935719","_score":13.097623,"_source":{"product":"Mortgage","complaint_what_happened":"Attention : Consumer Financial Protection Bureau Subject : Notice of Error and Request for Correction of Account Errors, Termination of PMI and Acknowledgement of Consumer Rights Violation by Shellpoint Mortgage Servicing ( formerly Specialized Loan Servicing ) To Whom It May Concern, I am writing to formally express my concerns regarding the handling of my mortgage account, first by Specialized Loan Servicing ( SLS ) and now by Shellpoint Mortgage Servicing. \nSignificant errors in account processing have resulted in an unjust delinquency status on my account, which I believe violates my consumer rights and has caused emotional and mental harm, as well as complications in my ongoing bankruptcy process. \nBackground : Loan Transfers : o On XX/XX/XXXX, my mortgage loan was transferred from XXXX XXXX XXXX  to Specialized Loan Servicing ( SLS ). \no XXXX XX/XX/XXXX, my loan was transferred again, this time from SLS to Shellpoint Mortgage Servicing. \nForbearance Agreement and Errors : o At the time of the transfer from XXXX XXXX to XXXX, I was enrolled in a forbearance plan with XXXX XXXX, deferring payments from XX/XX/XXXX, to XX/XX/XXXX. This agreement was properly documented with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \no Immediately after receiving the transfer notice from SLS, I contacted SLS customer service on XX/XX/XXXX, and was informed that I was XXXX months behind on payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). However, XXXX of these months should have been covered as pre-petition arrears paid by the Trustee, and the other XXXX months were part of the forbearance plan. \no Despite making a payment of {$2500.00} and another payment of {$5000.00} on XX/XX/XXXX, my account remained inaccurately listed as delinquent. \nLegal and Procedural Failures : o I have thoroughly reviewed documents from my XXXX XXXX  case using the XXXX  online portal. There is no evidence that SLS requested any notices, pleadings, motions, orders, applications, or other documents filed in my bankruptcy case ( XXXX ). This failure contributed to the misapplication of payments and violations of the bankruptcy courts order. \no By contrast, Shellpoint Mortgage Servicing, upon acquiring my loan, did request all such documents. This discrepancy highlights a clear failure on the part of SLS to comply with legal procedures and accurately maintain my account. \nEmotional and Financial Impact : o The ongoing mismanagement of my account has caused significant emotional and mental distress. Additionally, I have been forced to spend hundreds of dollars and considerable time gathering bank statements and mortgage documents to rectify the situation. Despite showing that my account was current on paper, I was told my account was delinquent, and my request to cancel Private Mortgage Insurance ( PMI ) was denied due to an inaccurately reported poor payment history.\n\no The lack of transparency and communication between SLS, the Trustee, and myself as the borrower, regarding how payments were being applied, further exacerbated the issue. SLSs decision to file a motion to remove bankruptcy protection without addressing these errors added unnecessary stress to an already challenging situation. \nConsumer Rights Violated : These errors and omissions represent a violation of my rights under the Real Estate Settlement Procedures Act ( RESPA ). RESPA mandates that servicers must maintain accurate records and provide timely and accurate information to consumers. The failure to correctly transfer and acknowledge the terms of my forbearance plan, along with the misapplication of payments during my XXXX XXXX bankruptcy, has caused undue stress, financial hardship, and jeopardized my bankruptcy discharge. \n\nOn XX/XX/XXXX, Shellpoint ( a division of Newrez ) responded to a complaint I, XXXX XXXX, submitted to the Consumer Financial Protection Bureau ( CFPB ), which created Case No. XXXX. The complaint addressed issues regarding the servicing of the above-referenced mortgage, specifically requesting the removal of Private Mortgage Insurance ( PMI ), which has been repeatedly denied. \n\nShellpoint 's response to my claim stated that the loan in question was not eligible for PMI removal based on payment history. Shellpoint provided a comprehensive payment history report beginning from the time the loan was transferred to them on XX/XX/XXXX. Additionally, Shellpoint mentioned that a letter was sent to me on XX/XX/XXXX, explaining the reason for the denial, asserting that their records reflected all funds received and properly applied to my account. \n\nShellpoint also explained their procedure for posting payments, claiming that once a full monthly mortgage payment was collected, the funds would be applied to the oldest outstanding contractual obligation. However, upon reviewing the payment history report, it is evident that this procedure was not consistently followed. There are several transactions in the payment history report that do not align with this policy. \n\nWhen reviewing the payment history report, starting from XX/XX/XXXX, it is clear that a significant number of transactions were wrongfully posted. These include misapplied payments, payments posted in error, reversals, and payments from the bankruptcy trustee that were not applied correctly. These discrepancies are reflected in the monthly mortgage statements from XX/XX/XXXX through XX/XX/XXXX, which I have attached to this letter for your review. \n\nFurthermore, I have attached a ledger provided by the Trustee that details the payments made as well as a summary of payment amounts and payment dates that were pulled from statements provided by bank to prove account should be current and has been current. \n\nThis mismanagement of payments has not only affected my ability to have PMI removed but has also caused significant financial and emotional distress. The Homeowners Protection Act of XXXX provides for the automatic termination of PMI once certain conditions are met, and I was entitled to request its cancellation as early as XX/XX/XXXX. The failure to properly apply payments and the denial of my PMI removal request due to an alleged delinquencywhen my mortgage statements clearly show a {$0.00} unpaid balanceconstitutes a violation of my rights. \n\nI do not trust that Shellpoint will review the details of this case thoroughly and take the necessary steps to rectify the situation by removing the PMI, correcting the misapplied payments, and acknowledging that my account was, in fact, current. \n\n\nConclusion : I do not trust that Shellpoint will review the details of this case thoroughly and take the necessary steps to rectify the situation by removing the PMI and acknowledging that my account was, in fact, current. \n\nAdditionally, emails labeled XXXX and marked urgent were sent on XX/XX/XXXX with no acknowledgement or a response delivered within 5 days and when calling customer service on XX/XX/XXXX i was told to be patient that these types of investigations take time. I can not risk or jeopardize my bankruptcy discharge when the Final Cure notice is sent and part of that is confirming my account is current and not delinquent. For the past XXXX payments since this company took over from SLS, i had to call and ask them to apply my payments to the unpaid balance because they just leave it in a suspense account so that is the reason why I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). \nThank you for your attention to this matter","date_sent_to_company":"2024-08-27T16:43:29.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"60502","tags":null,"has_narrative":true,"complaint_id":"9935719","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2024-08-27T15:44:26.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["When reviewing the <em>payment</em> history report, starting from XX/XX/XXXX, it is clear that a significant number of transactions were wrongfully posted. These include misapplied <em>payments</em>, <em>payments</em> posted in <em>error</em>, reversals, and <em>payments</em> from the bankruptcy trustee that were not applied correctly. These discrepancies are reflected in the monthly mortgage statements from XX/XX/XXXX through XX/XX/XXXX, which I have attached to this letter for <em>your</em> review."],"issue":["Trouble during <em>payment</em> process"]},"sort":[13.097623,"9935719"]},{"_index":"complaint-public-v1","_id":"12393317","_score":12.922062,"_source":{"product":"Mortgage","complaint_what_happened":"On XXXX I received a call from SoFI collections about a past due mortgage. We refinanced in XXXX of XXXX and our first payment as XX/XX/XXXX, we have made payments on or before our payment date, on time. During the call, the agent mentioned he was a debt collector and was calling about a past due mortgage with no payments since XX/XX/XXXX. When logging into my SoFi account I noticed that SoFi had Misapplication Reversal on 3 main payments and 3 additional payments. They put all of these into a suspense account due to a credit of {$380.00} that was paid at closing of my refinance. When speaking to the collections agent he had no idea what was happening and this was the first I had heard form SoFi about any \" past due payment ''. He transferred me over to a customer support agent to \" reassured '' me that the payments were in a suspense account and would be applied back in 5-7 business days. I left the call thinking everything was good to go and it would be reversed. \nOn Saturday XX/XX/XXXX, we came home to papers in an envelope marked as confidential, no address, no return address, taped to our front door. When I opened them it was a packet from SoFi stating that we have received your inquiry regarding a possible loan workout for the above loan, which had both my spouse and my full name and our loan number. First, we never inquired about this information, second they taped PII information to our front door with no indication of notifying us personally, and lastly, did this over a weekend that I could not contact anyone about the issue. This caused a great deal of stress because there was no written notification of the payments being reversed, or any written information at all about the loan, and I felt that at any time during the weekend I would be served foreclosure paperwork due to SoFi 's technical error. \nOn XX/XX/XXXX I was able to call SoFi and they assured me that I could \" disregard '' the papers that were taped on my door and the issue has been resolved, again no written information on what happened or if the payments were resolved. I looked on my dashboard and everything seems to be current, however I do not know what has happened to my credit score due to it showing a non payment for over 60 days. This has caused a great deal of stress and uncertainty with SoFi as my mortgage lender. I would like to speak with someone who can assist with this claim.","date_sent_to_company":"2025-03-10T17:04:51.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"91913","tags":null,"has_narrative":true,"complaint_id":"12393317","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2025-03-10T16:22:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["I would like to speak with someone who can assist with this <em>claim</em>."],"issue":["Trouble during <em>payment</em> process"],"sub_issue":["<em>Payment</em> process"]},"sort":[12.922062,"12393317"]},{"_index":"complaint-public-v1","_id":"15036992","_score":12.811247,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue Type : Credit Reporting / Mortgage Servicing Company : XXXX XXXX XXXX XXXX XXXX XXXX : Mortgage Loan Problem Description : XXXX XXXX XXXX XXXX XXXX has refused to correct multiple late payment entries on my credit report that are factually inaccurate, unsupported by servicing records, and appear to be part of a systematic scheme to trigger foreclosure default. These entries stem from misapplication of payments, delayed crediting, and servicing errors that violate the Fair Credit Reporting Act ( FCRA ) and Real Estate Settlement Procedures Act ( RESPA ). \n\nDespite timely payments made within grace periods or within the same billing cycle, the bank reported the following months as delinquent : XXXX through XX/XX/XXXX XXXX through XX/XX/XXXX XX/XX/XXXX Their own records show payments were received within reasonable timeframes ( e.g., XX/XX/XXXX for XXXX payment ), yet they still marked the account as 3090 days past due. This pattern suggests intentional misreporting designed to manufacture default status, enabling foreclosure proceedings and damaging my credit profile. \n\nI have submitted prior disputes and received a response that they can not make corrections, despite clear contradictions in their own documentation. This refusal to investigate and correct errors violates : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable reinvestigation 12 C.F.R. 1024.35 Servicing errors under RESPA This misconduct has caused irreparable harm, including emotional distress, loss of housing opportunities, and reputational damage. I demand immediate correction of all late payment entries, a full audit of payment application history, and a written explanation of their investigation procedures. \n\n\nReported Month Claimed Past Due Month Payment Received Date Status Reported Challenge XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 30 days late Payment received within same monthshould not be reported late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 60 days late Payment received XXXX months laterno explanation of delay cause XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 30 days late Duplicate reporting for same monthpossible servicing error XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 60 days late Payment received in XXXX not reflect XXXX delinquency XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 90 days late Payment received 4 months laterno XXXX XXXX provided XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 60 days late Payment received within 45 daysshould not trigger XXXX delinquency XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 30 days late Same payment date as XXXX misapplied funds XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 30 days late Payment received within grace periodreporting is excessive These entries reflect servicing delays, misapplied payment cycles, and failure to account for grace periods or hardship accommodations. Under 1681s-2 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate. Your blanket assertion that no corrections can be made is legally indefensible. \n\nFailure to Conduct a Reasonable Investigation Your response fails to meet the standard of a reasonable investigation under 12 C.F.R. 1022.43 ( e ) : You did not address the impact of the XX/XX/XXXX data breach, which compromised consumer access and may have delayed payments.\n\nYou failed to provide any audit trail, internal servicing logs, or payment application records to support your findings.\n\nYou ignored the possibility of servicing errors, misapplied funds, or systemic delaysall of which are material to the dispute.\n\nDemand for Remediation I hereby demand the following corrective actions within ten ( 10 ) business days : Complete removal of all late payment notations from XX/XX/XXXX through XX/XX/XXXX. \nWritten certification of these deletions to all major credit reporting agencies. \nA copy of your investigation procedures and servicing logs used to reach your conclusion.\n\nImmediate updates to my consumer report reflecting a corrected payment history.\n\nLegal Action if Noncompliant If XXXX fails to comply, I will initiate litigation seeking : Statutory damages of up to {$1000.00} per violation under 1681n ; Actual, punitive, and emotional distress damages ; Injunctive relief and attorneys fees ; A formal CFPB enforcement review and referral to the FTC for deceptive practices. \nThis notice is issued in good faith and with full reservation of rights under federal and applicable state law. I urge XXXX to reconsider its position and take immediate corrective action to avoid further escalation.","date_sent_to_company":"2025-08-01T20:42:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33467","tags":null,"has_narrative":true,"complaint_id":"15036992","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-01T20:41:46.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["These entries stem from <em>misapplication</em> of <em>payments</em>, delayed crediting, and servicing <em>errors</em> that violate the Fair Credit Reporting Act ( FCRA ) and Real Estate Settlement Procedures Act ( RESPA )."],"sub_issue":["Their investigation did not fix an <em>error</em> on <em>your</em> report"]},"sort":[12.811247,"15036992"]},{"_index":"complaint-public-v1","_id":"15036991","_score":12.776288,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue Type : Credit Reporting / Mortgage Servicing Company : XXXX XXXX XXXX XXXX XXXX XXXX : Mortgage Loan Problem Description : XXXX XXXX XXXX XXXX XXXX has refused to correct multiple late payment entries on my credit report that are factually inaccurate, unsupported by servicing records, and appear to be part of a systematic scheme to trigger foreclosure default. These entries stem from misapplication of payments, delayed crediting, and servicing errors that violate the Fair Credit Reporting Act ( FCRA ) and Real Estate Settlement Procedures Act ( RESPA ). \n\nDespite timely payments made within grace periods or within the same billing cycle, the bank reported the following months as delinquent : XXXX through XX/XX/XXXX XXXX through XX/XX/XXXX XX/XX/XXXX Their own records show payments were received within reasonable timeframes ( e.g., XX/XX/XXXX for XXXX payment ), yet they still marked the account as 3090 days past due. This pattern suggests intentional misreporting designed to manufacture default status, enabling foreclosure proceedings and damaging my credit profile. \n\nI have submitted prior disputes and received a response that they can not make corrections, despite clear contradictions in their own documentation. This refusal to investigate and correct errors violates : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable reinvestigation 12 C.F.R. 1024.35 Servicing errors under RESPA This misconduct has caused irreparable harm, including emotional distress, loss of housing opportunities, and reputational damage. I demand immediate correction of all late payment entries, a full audit of payment application history, and a written explanation of their investigation procedures. \n\n\nReported Month Claimed Past Due Month Payment Received Date Status Reported Challenge XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 30 days late Payment received within same monthshould not be reported late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 60 days late Payment received XXXX months laterno explanation of delay cause XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 30 days late Duplicate reporting for same monthpossible servicing error XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 60 days late Payment received in XXXX not reflect XXXX delinquency XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 90 days late Payment received 4 months laterno XXXX XXXX provided XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 60 days late Payment received within 45 daysshould not trigger XXXX delinquency XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 30 days late Same payment date as XXXX misapplied funds XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 30 days late Payment received within grace periodreporting is excessive These entries reflect servicing delays, misapplied payment cycles, and failure to account for grace periods or hardship accommodations. Under 1681s-2 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate. Your blanket assertion that no corrections can be made is legally indefensible. \n\nFailure to Conduct a Reasonable Investigation Your response fails to meet the standard of a reasonable investigation under 12 C.F.R. 1022.43 ( e ) : You did not address the impact of the XX/XX/XXXX data breach, which compromised consumer access and may have delayed payments. \nYou failed to provide any audit trail, internal servicing logs, or payment application records to support your findings.\n\nYou ignored the possibility of servicing errors, misapplied funds, or systemic delaysall of which are material to the dispute.\n\nDemand for Remediation I hereby demand the following corrective actions within ten ( 10 ) business days : Complete removal of all late payment notations from XX/XX/XXXX through XX/XX/XXXX. \nWritten certification of these deletions to all major credit reporting agencies. \nA copy of your investigation procedures and servicing logs used to reach your conclusion.\n\nImmediate updates to my consumer report reflecting a corrected payment history.\n\nLegal Action if Noncompliant If XXXX fails to comply, I will initiate litigation seeking : Statutory damages of up to {$1000.00} per violation under 1681n ; Actual, punitive, and emotional distress damages ; Injunctive relief and attorneys fees ; A formal CFPB enforcement review and referral to the FTC for deceptive practices.\n\nThis notice is issued in good faith and with full reservation of rights under federal and applicable state law. I urge XXXX to reconsider its position and take immediate corrective action to avoid further escalation.","date_sent_to_company":"2025-08-01T20:42:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33467","tags":null,"has_narrative":true,"complaint_id":"15036991","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-01T20:41:46.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["These entries stem from <em>misapplication</em> of <em>payments</em>, delayed crediting, and servicing <em>errors</em> that violate the Fair Credit Reporting Act ( FCRA ) and Real Estate Settlement Procedures Act ( RESPA )."],"sub_issue":["Their investigation did not fix an <em>error</em> on <em>your</em> report"]},"sort":[12.776288,"15036991"]},{"_index":"complaint-public-v1","_id":"15036990","_score":12.776288,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Mortgage Loan Problem Description : XXXX XXXX XXXX XXXX XXXX has refused to correct multiple late payment entries on my credit report that are factually inaccurate, unsupported by servicing records, and appear to be part of a systematic scheme to trigger foreclosure default. These entries stem from misapplication of payments, delayed crediting, and servicing errors that violate the Fair Credit Reporting Act ( FCRA ) and Real Estate Settlement Procedures Act ( RESPA ). \n\nDespite timely payments made within grace periods or within the same billing cycle, the bank reported the following months as delinquent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Their own records show payments were received within reasonable timeframes ( e.g., XX/XX/XXXX for XXXX payment ), yet they still marked the account as 3090 days past due. This pattern suggests intentional misreporting designed to manufacture default status, enabling foreclosure proceedings and damaging my credit profile. \n\nI have submitted prior disputes and received a response that they can not make corrections, despite clear contradictions in their own documentation. This refusal to investigate and correct errors violates : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable reinvestigation 12 C.F.R. 1024.35 Servicing errors under RESPA This misconduct has caused irreparable harm, including emotional distress, loss of housing opportunities, and reputational damage. I demand immediate correction of all late payment entries, a full audit of payment application history, and a written explanation of their investigation procedures. \n\n\nReported Month Claimed Past Due Month Payment Received Date Status Reported Challenge XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 30 days late Payment received within same monthshould not be reported late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 60 days late Payment received XXXX months laterno explanation of delay cause XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 30 days late Duplicate reporting for same monthpossible servicing error XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 60 days late Payment received in XXXX not reflect XXXX delinquency XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 90 days late Payment received 4 months laterno audit trail provided XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 60 days late Payment received within 45 daysshould not trigger 60-day delinquency XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 30 days late Same payment date as XXXX misapplied funds XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 30 days late Payment received within grace periodreporting is excessive These entries reflect servicing delays, misapplied payment cycles, and failure to account for grace periods or hardship accommodations. Under 1681s-2 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate. Your blanket assertion that no corrections can be made is legally indefensible.\n\nFailure to Conduct a Reasonable Investigation Your response fails to meet the standard of a reasonable investigation under 12 C.F.R. 1022.43 ( e ) : You did not address the impact of the XX/XX/XXXX data breach, which compromised consumer access and may have delayed payments.\n\nYou failed to provide any audit trail, internal servicing logs, or payment application records to support your findings. \nYou ignored the possibility of servicing errors, misapplied funds, or systemic delaysall of which are material to the dispute. \nDemand for Remediation I hereby demand the following corrective actions within ten ( 10 ) business days : Complete removal of all late payment notations from XX/XX/XXXX through XX/XX/XXXX. \nWritten certification of these deletions to all major credit reporting agencies. \nA copy of your investigation procedures and servicing logs used to reach your conclusion. \nImmediate updates to my consumer report reflecting a corrected payment history.\n\nLegal Action if Noncompliant If BPPR fails to comply, I will initiate litigation seeking : Statutory damages of up to {$1000.00} per violation under 1681n ; Actual, punitive, and emotional distress damages ; Injunctive relief and attorneys fees ; A formal CFPB enforcement review and referral to the FTC for deceptive practices.\n\nThis notice is issued in good faith and with full reservation of rights under federal and applicable state law. I urge BPPR to reconsider its position and take immediate corrective action to avoid further escalation.","date_sent_to_company":"2025-08-01T20:42:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33467","tags":null,"has_narrative":true,"complaint_id":"15036990","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-01T20:41:46.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["These entries stem from <em>misapplication</em> of <em>payments</em>, delayed crediting, and servicing <em>errors</em> that violate the Fair Credit Reporting Act ( FCRA ) and Real Estate Settlement Procedures Act ( RESPA 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