{"took":242,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":39,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16785992","_score":18.056751,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I sent dispute letters to all three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX, as well as to the headquarters of the dealership that purchased my leased vehicle. In my dispute, I explained that the dealership failed to remit payment for the vehicle buyout for approximately two ( 2 ) months after the date of sale, which falsely created the appearance of a 60-day delinquency on my credit report. This delinquency was not caused by me, as the dealership took possession of the vehicle and assumed responsibility for payment as part of the buyout process. \n\nI provided each party with : Proof of the date I sold/transferred the vehicle to the dealership Documentation from the dealership itself acknowledging when they finally submitted payment two months later ( which I had to personally force by visiting the dealership in person ) Highlighted discrepancies showing the gap between the sale date and their delayed payment submission, which caused the false derogatory reporting Despite being given clear documentation proving that the late payment was due solely to the dealerships delay and not my failure to pay, the credit bureaus responded stating they had verified and updated the account as accurate. The dealership headquarters likewise responded that the records were valid, ignoring the delayed remittance and the resulting wrongful delinquency reporting. \n\nThere is no valid legal or contractual basis for me to be held responsible or reported late for payments after the dealership took control of the vehicle and delayed sending payment for two months. Their failure to remit timely payment has wrongly impacted my credit standing.\n\nI am requesting : A full reinvestigation, Deletion or correction of the inaccurate delinquency reporting, Disclosure of their method of verification under FCRA 611, including who verified this information and what documentation was used.\n\nThe ongoing misreporting is causing me financial harm, emotional distress, and negative impact on my ability to obtain favorable credit terms. I provided documented proof that has been disregarded, and I believe the credit bureaus and dealer have failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act. \n\nI am seeking the CFPBs assistance in compelling the credit bureaus and the dealership to properly investigate and correct this derogatory information that I did not cause.","date_sent_to_company":"2025-10-23T12:16:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44124","tags":null,"has_narrative":true,"complaint_id":"16785992","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2025-10-23T12:03:43.000Z","state":"OH","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":["The ongoing misreporting is causing me financial harm, emotional distress, and negative impact on my ability to obtain favorable credit <em>terms</em>. I provided documented proof that has been disregarded, and I believe the credit bureaus and dealer have <em>failed</em> to conduct a reasonable investigation as <em>required</em> under the Fair Credit Reporting Act."]},"sort":[18.056751,"16785992"]},{"_index":"complaint-public-v1","_id":"16785455","_score":18.056751,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/2025, I sent dispute letters to all three major credit bureaus ( Experian, XXXX XXXX XXXX XXXX, as well as to the headquarters of the dealership that purchased my leased vehicle. In my dispute, I explained that the dealership failed to remit payment for the vehicle buyout for approximately two ( 2 ) months after the date of sale, which falsely created the appearance of a 60-day delinquency on my credit report. This delinquency was not caused by me, as the dealership took possession of the vehicle and assumed responsibility for payment as part of the buyout process.\n\nI provided each party with : Proof of the date I sold/transferred the vehicle to the dealership Documentation from the dealership itself acknowledging when they finally submitted payment two months later ( which I had to personally force by visiting the dealership in person ) Highlighted discrepancies showing the gap\nbetween the sale date and their delayed payment submission, which caused the false derogatory reporting Despite being given clear documentation proving that the late payment was due solely to the dealerships delay and not my failure to pay, the credit bureaus responded stating they had verified and updated the account as accurate. The dealership headquarters likewise responded that the records were valid, ignoring the delayed remittance and the resulting wrongful delinquency reporting.\n\nThere is no valid legal or contractual basis for me to be held responsible or reported late for payments after the dealership took control of the vehicle and delayed sending payment for two months. Their failure to remit timely payment has wrongly impacted my credit standing. \n\nI am requesting : A full reinvestigation, Deletion or correction of the inaccurate delinquency reporting, Disclosure of their method of verification under FCRA 611, including who verified this information and what documentation was used.\n\nThe ongoing misreporting is causing me financial harm, emotional distress, and negative impact on my ability to obtain favorable credit terms. I provided documented proof that has been disregarded, and I believe the credit bureaus and dealer have failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act.\n\nI am seeking the CFPBs assistance in compelling the credit bureaus and the dealership to properly investigate and correct this derogatory information that I did not cause.","date_sent_to_company":"2025-10-23T12:16:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44124","tags":null,"has_narrative":true,"complaint_id":"16785455","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-23T12:16:33.000Z","state":"OH","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":["The ongoing misreporting is causing me financial harm, emotional distress, and negative impact on my ability to obtain favorable credit <em>terms</em>. I provided documented proof that has been disregarded, and I believe the credit bureaus and dealer have <em>failed</em> to conduct a reasonable investigation as <em>required</em> under the Fair Credit Reporting Act."]},"sort":[18.056751,"16785455"]},{"_index":"complaint-public-v1","_id":"6683920","_score":16.622314,"_source":{"product":"Mortgage","complaint_what_happened":"I am hereby requesting reimbursement from Wells Fargo Wells Fargo Home Mortgage engaged in a pattern of unfair and deceptive practices including but not limited to : 1 Evaluating homeowners for mortgage modifications while simultaneously 2 Initiating foreclosure proceedings on them. \n3 Loan Modification Denials 4 HAMP Violations 5 Misrepresentation 6 Wells Fargo failed to discharge their required loan modification obligations, and related unfair and deceptive practices. \n\n7 Wells Fargo had obstructive practices designed to avoid reasonable modifications to loan terms by burying XXXX in paperwork and creating bureaucratic delays and dead ends. \n\nNegligence telling you that your modification documents were lost or never received by the lender or telling you that you qualified for a modification but then later forcing you to apply again. \nXXXX telling you that your modification was denied after a long wait. \n8 There were Irregularities in the servicing of your loan Wells Fargo miscalculated the mortgage payments.\n\n9 Wells Fargo failed to discharge their required loan modification obligations, and related unfair and deceptive practices 10 Wells Fargo failed to perform proper loan modification underwriting. Wells Fargo failed to gather or lost loan modification application documentation and other paper work 11 Wells Fargo failed to establish adequate processes for loan modifications ; 12 Wells Fargo failed to respond to XXXX inquiries in a timely manner 13 Wells Fargo provided false or misleading information to us while trying to refer loan to foreclosure during the loan modification application process 14 Wells Fargo provided false or misleading information to us while initiating foreclosures while we were in good faith actively pursuing a loss mitigation alternative allegedly offered by Wells 15 I suffered a lot of mental anguish, pain and suffering and lost my family. \nXXXX6 Damaged my credit under FCRA 17 Please remit {$20000.00} as part of my settlement","date_sent_to_company":"2023-03-13T01:21:17.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"77479","tags":"Older American","has_narrative":true,"complaint_id":"6683920","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-03-13T01:01:43.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["XXXX telling you that your modification was denied after a long wait. \n8 There were Irregularities in the servicing of your loan Wells Fargo miscalculated the mortgage <em>payments</em>.\n\n9 Wells Fargo <em>failed</em> to discharge their <em>required</em> loan modification obligations, and related unfair and deceptive practices 10 Wells Fargo <em>failed</em> to perform proper loan modification underwriting."]},"sort":[16.622314,"6683920"]},{"_index":"complaint-public-v1","_id":"13582169","_score":16.491138,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Complaint Against Affirm , Inc. and XXXX XXXX XXXXXXXX XXXX for Breach of Contract, Non-Delivery of Services, and Credit Reporting Harm I am filing this formal complaint against Affirm , Inc. and XXXXXXXX XXXX XXXXXXXX XXXX for breach of contract, failure to render agreed-upon services, and Affirms continued collection efforts on a loan associated with services that were never delivered. \n\nBackground : In XX/XX/XXXX, I entered into a contract with XXXX XXXX, owned and operated by XXXX XXXX, for bi-monthly one-on-one piano lessons. The total cost of these lessons was financed through Affirm. However, beginning in XX/XX/XXXX, the merchant began canceling multiple lessons and has since failed to provide a single lesson under the terms of our agreement. Despite numerous attempts to resolve the matter directly with XXXX XXXX phone calls, voicemails, and text messages from XXXX through XXXX have received no response or acknowledgment. \n\nAffirms Mishandling of the Dispute : In XX/XX/XXXX and again in XX/XX/XXXX, I filed formal disputes with Affirm, submitting documentation including text messages and email communications that clearly demonstrate the merchants failure to uphold the service agreement. Despite this, Affirm concluded that they bear no responsibility, stating that because payment had already been remitted to the merchant, it was my responsibility to resolve the issue directlyeven though the product ( lessons ) was never delivered. \n\nMoreover, during the dispute investigation period, Affirm representatives and managers explicitly advised me that I was not required to make payments while the cases were under review. Relying on this guidance, I paused payments. However, after checking my XXXX credit report in XX/XX/XXXX, I discovered multiple late payment marks, resulting in a dramatic drop in my credit scorefrom XXXX to XXXX. \n\nThis misrepresentation by Affirm has not only caused significant financial and emotional XXXX  but has also damaged my creditworthiness, affecting my ability to obtain financing or favorable credit terms.","date_sent_to_company":"2025-05-19T21:27:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"31324","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"13582169","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2025-05-19T21:16:43.000Z","state":"GA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Despite this, Affirm concluded that they bear no responsibility, stating that because <em>payment</em> had already been <em>remitted</em> to the merchant, it was my responsibility to resolve the issue directlyeven though the product ( lessons ) was never delivered. \n\nMoreover, during the dispute investigation period, Affirm representatives and managers explicitly advised me that I was not <em>required</em> to make <em>payments</em> while the cases were under review. Relying on this guidance, I paused <em>payments</em>."]},"sort":[16.491138,"13582169"]},{"_index":"complaint-public-v1","_id":"7122860","_score":15.667949,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"In reference to complaint ( XXXX ) XXXX, XXXX Bridgecrests agent XXXX, has failed to answer any of the complaints put forth. In her response, copied and pasted directly from the Response correspondence, she stated the following : On XX/XX/XXXX, XXXX XXXX entered into the Contract when he purchased a XXXX XXXX XXXX from XXXX. Bridgecrest is the account servicer. At the time of sale, XXXX XXXX had the opportunity to review, acknowledge, and sign the XXXX terms. XXXX XXXX agreed to remit monthly payments of {$260.00} beginning XX/XX/XXXX, as outlined in the XXXX XXXX XXXX XXXX Disclosure box on page XXXX of the Contract. On page XXXX of the Contract, in the section labeled Electronic Signature Acknowledgment, it states : You understand that Seller XXXX transfer this Contract to another company in the electronic form or as a paper version of that electronic form with would then become the authoritative copy. Seller or that other company XXXX enforce this Contract in the electronic form or as a paper version of that electronic formOn XX/XX/XXXX, XXXX XXXX entered into the Contract when he purchased a XXXX XXXX XXXX from XXXX. Bridgecrest is the account servicer. At the time of sale, XXXX XXXX had the opportunity to review, acknowledge, and sign the XXXX terms. XXXX XXXX agreed to remit monthly payments of {$260.00} beginning XX/XX/XXXX, as outlined in the XXXX XXXX in Lending Disclosure box on page XXXX of the Contract. On page XXXX of the Contract, in the section labeled Electronic Signature Acknowledgment, it states : You understand that Seller may transfer this Contract to another company in the electronic form or as a paper version of that electronic form with would then become the authoritative copy. Seller or that other company may enforce this Contract in the electronic form or as a paper version of that electronic form Bridgecrest had a fiduciary responsibility to finance the transaction. The issue with her statement is that she is saying my issue is that XXXX transferred the contract to Bridgecrest. This process is called an assignment. \n\nXXXX Her implication is that Bridgecrest has no responsibility for Bridgecrests violations. She seems to think that they are not responsible for their own violations and crimes. \nXXXX She made mention that I need to remit payment. \nWell in order for me to REMIT payment, I would need to receive payment first. \nAnd therein lies Bridgecrests violation of fraud and theft. They havent made any cash advancement in order for me to remit payment. When they dont send the cash advancement they get to keep by operation of law. Then they also receive my monthly payment. \n\nThe assignor : XXXX The assignee : Bridgecrest ( given the right to collect payment on behalf of XXXX, which comes with other obligations to both me and XXXX. Bridgecrest was to incur obligation and make advancement according to XXXX and TN laws ) In other words because XXXX transferred as XXXX put it, which is an assignment, doesnt release Bridgecrest from being held accountable for any violations of the agreement it has incurred. Both the XXXX XXXX were obligated to perform according to the agreement. These types of agreements, purchase money loans ( which according to the FTC guide, the transaction I participated in meets the definition of a Purchase Money Loan ) operate according law What's not being understood here is that this type of transaction is processed ( financed ) according to the rules of contract, commercial law and XXXX accounting. \n\nAgent XXXX seems to think that just because you signed thats it! Well it matters to common law and commercial law the manner or circumstances in which a person signs a document. \nConsideration matters or the lack thereof. \nThe contract that I signed, which was constructed by XXXX and Bridgecrest, was a fraud from the moment it was conceived. It lacked material disclosures required by XXXX, TN law for consumer credit transactions. One of those disclosures, or the law for it is 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices ( a ) ( b ) According to the Federal Trade Commissions Staff Guidelines on Trade Regulation Rule Concerning Preservation of Consumers Claims and Defenses, when that disclosure is not made then it is considered a deceptive act, also known as fraud. Now before you go to my contract that XXXX and Bridgecrest constructed and gave to me to sign, which should have been constructed according to XXXX and TN law. \n\nPlease read the guide because it is going to make you aware that the notice is to appear without a qualifying statement. If it does appear with a qualifying statement then the Federal Trade Commission considers this a deceptive act and treats the contract as if the notice is not there. Heres what is printed on my contract. \n\nNote. If the primary use of the Vehicle is non-consumer, this is not a consumer contract, and the following notice does not apply. NOTICE. ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER This is improper not because I say so, but because the XXXX and TN XXXX requires that the notice appears in consumer credit transactions as the following without a qualifying statement. \n\nNOTICE. ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER Purpose for the rule according to FTC PURPOSE OF THE RULE In adopting this Rule the XXXX determined that it constitutes an unfair and deceptive practice within the meaning of Section 5 of the Federal Trade Commission Act ( 15 U.S.C. 45 ) for a seller, in the course of financing a consumer purchase of goods or services, to employ procedures which make the consumers duty to pay independent of the sellers duty to fulfill his obligations. In the course of public proceedings of the Rule the Commission documented numerous cases where consumer purchase transactions were financed in such a way that the consumer was legally obligated to make full payment to a creditor despite breach of warranty, misrepresentation, and even fraud on the part of the seller. Under ordinary contract law, the promises of the parties to a sale transaction are mutually dependent. A seller is entitled to payment provided he delivers what he promised to deliver. If the seller fails to deliver what was promised, the consumers obligation to pay may be reduced or even eliminated. However, it is possible for a seller to arrange credit terms for buyers which separate the consumers legal duty to pay from the sellers legal duty to keep his promises. \n\nHere is the TN code for this same law.\n\n47-9-403. Agreement not to assert defenses against assignee. \n( d ) Omission of required statement in consumer transaction. In a consumer transaction, if a record evidences the account debtor 's obligation, law other than this chapter requires that the record include a statement to the effect that the rights of an assignee are subject to claims or defenses that the account debtor could assert against the original obligee, and the record does not include such a statement : ( 1 ) the record has the same effect as if the record included such a statement; and ( 2 ) the account debtor may assert against an assignee those claims and defenses that would have been available if the record included such a statement.\n\n47-9-404. Rights acquired by assignee Claims and defenses against assignee. \n( d ) Omission of required statement in consumer transaction. In a consumer transaction, if a record evidences the account debtor 's obligation, law other than this chapter requires that the record include a statement to the effect that the account debtor 's recovery against an assignee with respect to claims and defenses against the assignor may not exceed amounts paid by the account debtor under the record, and the record does not include such a statement, the extent to which a claim of an account debtor against the assignor may be asserted against an assignee is determined as if the record included such a statement. \n\n\nSo the contract lacks validity because of a lack of consideration, noncompliance according to TN and XXXX law. This is a breach of contract for those reasons among others. Not because I say so, its what the law prescribes. The contract is XXXX on its face. There is fraud in the inducement. The XXXX XXXX and the transferee also known as the XXXX Bridgecrest are responsible. \n\nSo the implication from agent XXXX that Bridgecrest had the contract transferred which is really an assignment, so therefore assignee Bridgecrest is not responsible for violations of the XXXX XXXX. Well the assignee may not be responsible for the violations of the XXXX XXXX, the XXXX Bridgecrest is responsible for the accounting ( financing ) of the transaction in which Bridgecrest has committed, by not incurring the obligation of making advancements. \n\nThis was a purchase money loan and the contract should be constructed according to XXXX law and operate by the rules of law and Bridgecrest nor XXXX operated accordingly. \n\nWhile the law sets a statute of limitations on claims such as these, I am well within the statute of limitations. Just because someone signs doesnt set everything in stone. \n\nAgent XXXX has acquiescence to the other questions of fraud, deceptive practices, such as forgery, conversion of instrument which is theft. Bridgecrest had an obligation and has 35 times failed to incur obligations and make advancements. All violations are mentioned in Notice Of Effective Assignment. Bridgecrest nor XXXX have responded with monthly statements according to Bridgecrest has also failed to honor modification of contract, assignment from debtor pursuant to TN XXXX. Modification of assigned contract Agent XXXX needs to know that a notice of effective assignment is an assignment coming from the debtor ( XXXX XXXX ) to do the same thing that ( XXXX ) Bridgecrest was supposed to do for XXXX ( XXXX ) and that is to collect payment from the debtor ( XXXX XXXX ), but because the assignor and assignee committed violation ( XXXX ) of the agreement, the debtor ( XXXX XXXX ) has a right to remedy and that remedy can be by modification of contract. An assignment ( modification of the contract ) to the CEO of the financial agency ( Bridgecrest, still the assignee, but now a collector of payment on behalf of assignor XXXX XXXX. \n\nBridgecrests agent XXXX, also stated the following in the response to CFPB complaint Upon receipt of XXXX XXXX complaint, we have confirmed all policies, procedures, and applicable laws were followed in the administration of his account. \n\nThe statement is false as this transaction is a cash advancement. I havent received any cash advancements to remit payment. If any payments made by Bridgecrest to XXXX XXXX would have to be in an account I know nothing of. \n\nDid Bridgecrest open any accounts in my name and deposit checks? \nI would also like to request a statement of account.","date_sent_to_company":"2023-06-15T21:39:35.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"381XX","tags":null,"has_narrative":true,"complaint_id":"7122860","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2023-06-15T21:03:03.000Z","state":"TN","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["XXXX She made mention that I need to <em>remit</em> <em>payment</em>. \nWell in order for me to <em>REMIT</em> <em>payment</em>, I would need to receive <em>payment</em> first. \nAnd therein lies Bridgecrests violation of fraud and theft. They havent made any cash advancement in order for me to <em>remit</em> <em>payment</em>. When they dont send the cash advancement they get to keep by operation of law. Then they also receive my monthly <em>payment</em>."]},"sort":[15.667949,"7122860"]},{"_index":"complaint-public-v1","_id":"11826614","_score":15.21586,"_source":{"product":"Mortgage","complaint_what_happened":"Re : Complaint Against Select XXXX XXXX XXXX XXXX XXXX  for Bad Faith Servicing Practices, Failure to Disburse Escrow Payments, Retaliatory Conduct, and Disregard for Federal Consumer Protection Laws Dear Sir or Madam, I write to formally lodge a complaint against Select Portfolio Servicing ( SPS ) regarding its ongoing failure to administer escrow payments in accordance with its contractual and fiduciary obligations, its pattern of retaliatory conduct in response to my prior complaints filed with the Consumer Financial Protection Bureau ( CFPB ), and its willful disregard for federal consumer protection laws. SPSs actions and omissions have caused me financial harm and undue distress, and I seek immediate corrective action. \n\n1. Failure to Timely Remit Property Tax Payments Pursuant to the terms of my loan agreement, SPS is responsible for the timely disbursement of escrow funds to pay my property taxes. Despite my multiple written and verbal notifications reminding SPS that my first-quarter property tax payment was due on XX/XX/year>XXXX SPS failed to remit payment as required. When confronted, SPS initially attributed the delinquency to a purported \" special assessment. '' However, SPS later contradicted itself, falsely asserting that the payment was mailed on timean assertion that is demonstrably untrue. As a direct result of SPSs negligence, I incurred a late fee, which remains outstanding despite my repeated demands for reimbursement. \n\n2. Failure to Maintain Homeowners Insurance and Wrongful Policy Removal SPS has also failed to fulfill its duty to ensure the continuity of my homeowners insurance coverage. Despite my numerous faxes, phone calls, and written communications providing evidence of my valid insurance policy, SPS unjustifiably removed my coverage, citing an alleged \" address discrepancy. '' This purported discrepancy is wholly pretextual and without merit, as my property at XXXX XXXX XXXX has always been designated in this manner, encompassing XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX SPS has never previously raised any issue with this designation, and its sudden decision to reject my coverage under this pretense constitutes arbitrary and capricious conduct. \n\n3. Pattern of Retaliatory Conduct SPSs conduct is not merely a series of isolated servicing errors but rather appears to be a concerted effort to retaliate against me for exercising my rights under federal consumer protection laws. In addition to its failure to make timely escrow disbursements, SPS has demonstrated a deliberate unwillingness to communicate in good faith or provide a reasonable resolution to these matters. This pattern of conduct constitutes bad faith servicing and may violate applicable federal regulations governing mortgage servicers, including the Real Estate Settlement Procedures Act ( RESPA ) and the Consumer Financial Protection Act ( CFPA ).\n\n4. SPSs Assertion That CFPB Lacks Authority Most troublingly, SPS has outright stated that the CFPB has no authority to regulate its actions, that RESPA does not apply to its servicing obligations, and that I, as a borrower, have no rights or protections under federal law. This assertion is not only legally erroneous but reflects an alarming disregard for established consumer protection statutes and regulatory oversight. If SPS believes itself to be beyond the reach of federal consumer protection laws, this raises serious concerns about its broader servicing practices and its treatment of borrowers nationwide.","date_sent_to_company":"2025-01-29T20:51:09.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"11354","tags":null,"has_narrative":true,"complaint_id":"11826614","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2025-01-29T20:46:14.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["Failure to Timely <em>Remit</em> Property Tax <em>Payments</em> Pursuant to the <em>terms</em> of my loan agreement, SPS is responsible for the timely disbursement of escrow funds to pay my property taxes. Despite my multiple written and verbal notifications reminding SPS that my first-quarter property tax <em>payment</em> was due on XX/XX/year>XXXX SPS <em>failed</em> to <em>remit</em> <em>payment</em> as <em>required</em>."],"issue":["Trouble during <em>payment</em> process"]},"sort":[15.21586,"11826614"]},{"_index":"complaint-public-v1","_id":"10131808","_score":14.432448,"_source":{"product":"Credit card","complaint_what_happened":"To whom it may concern, Issue Type : Mismanagement of Credit Card Account and Billing Error Specific Issue : Discover has failed to refund a credit balance of {$1900.00} owed to me, has not provided clear disclosures as required by the Truth in Lending Act ( TILA ), and may be improperly using or securitizing my credit account without authorization.\n\nImpact on Consumer : This has resulted in financial harm, a lack of transparency, and potentially inaccurate reporting of my financial obligations. \n\nSpecific Legal Violations Cited Violation of Truth in Lending Act ( TILA ) : Discover has failed to provide clear, standardized disclosures regarding APR, fees, finance charges, and other related terms. This is a breach of TILA, which is designed to protect consumers from unclear lending practices.\n\nBreach of Contract : Discover has not properly refunded the balance owed to me, violating the terms of the credit agreement.\n\nFailure to Act in Good Faith : Discover is required to act in good faith in handling customer accounts. The continued failure to refund the credit balance indicates bad faith in account management. in addition to Potential Misuse of Credit Account : There is concern that Discover may be improperly using my credit account for securitization purposes without disclosure or my consent, violating federal consumer protection regulations. \n\ni wrote discover on XX/XX/XXXX with the following written instructions to perform their duty per the Securities Act, The TIA ( Trustee Inductura Act ) and UCC via your prospectus there XXXX and XXXX filing with the SEC. Attached is also a tender of payment. According to THE UCC my tender of payment is valid. Per UCC 3-104, 3-301, 3-603, 3-111, 3-604. \n\nThis letter was to inform discover of the payment instrument that was mailed out to them on XX/XX/XXXX XXXX. Enclosed in that envelope is the remittance coupon they sent me, which I have accepted for value, consideration, and honor according to the Uniform Commercial Code and returned to discover in good faith as tender of payment of the balance currently on my account, in the full amount enclosed. After deposit of this payment, please adjust the ledgering of the account for the balance or debt on the account to read XXXX That payment was for immediate processing and deposit only. I have mailed this payment to what is reasonably ascertained to be the correct address, according to my statements and card agreement. This tender of payment includes a restrictive endorsement, as seen on the front of the Coupon which states : Without Recourse, U.C.C. 1-308, Therefore, I have mailed it to the address provided. If, however, this address is not the correct division or department, please forward it to the appropriate agency or official for immediate processing. If the appropriate official is unknown, please forward it to the CFO or CEO of the Bank for processing. \n\non XX/XX/2024 i followed up with another certified mail letter after discover ignored my first letter. what was included was an affidavit of truth notarized outlining the same concern and asking for the remedy. they sent no GAAP accounting and only billing statement s from the first day of opening the account till current. \n\non XX/XX/2024 i sent registered mail to discover with a BOE and again requesting the same information with the additional instruction to process and deposit my BOE and remit all FRN back to me as well as if there was anything wrong with the BOE to send it back to me and to tell me why they did not accept it and what need to be corrected. \n\noverall discover had ignored everything and has not responded back with answer to any of my request.","date_sent_to_company":"2024-09-15T05:49:36.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"92104","tags":null,"has_narrative":true,"complaint_id":"10131808","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-09-15T03:54:23.000Z","state":"CA","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Specific Legal Violations Cited Violation of Truth in Lending Act ( TILA ) : Discover has <em>failed</em> to provide clear, standardized disclosures regarding APR, fees, finance charges, and other related <em>terms</em>. This is a breach of TILA, which is designed to protect consumers from unclear lending practices.\n\nBreach of Contract : Discover has not properly refunded the balance owed to me, violating the <em>terms</em> of the credit agreement."],"issue":["Other features, <em>terms</em>, or problems"]},"sort":[14.432448,"10131808"]},{"_index":"complaint-public-v1","_id":"16968979","_score":14.082006,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX, financed through XXXX XXXX ( Application XXXX XXXXXXXX ). \nAfter reviewing all the transaction documentsincluding the Retail Installment Contract, Buyers Order, Title Application, and Odometer Disclosuremultiple violations of federal and Minnesota law were found : XXXX. Truth in Lending Act ( 15 U.S.C. 1638 ; Reg. Z XXXX ) : The {$1000.00} down payment was not correctly credited in the XXXX XXXX. \nThe finance charge ( {$5300.00} ) and XXXX  ( 23.20 % ) were inflated beyond allowable limits under XXXX XXXX. XXXX. \nRequired TILA itemization and disclosure boxes were incomplete at signing. \nXXXX. Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) : Westlakes funding and interview process was coercive and required additional electronic confirmation before funding, amounting to pre-collection activity before validation. \nXXXX. FTC Act 5 / Minnesota Motor Vehicle Retail Installment Sales Act : Inconsistent odometer readings between the contract ( XXXX XXXX ) and XXXX record ( XXXXXXXX XXXX ). \nMisrepresentation of warranty status. Vehicle sold as-is but no acknowledgment provided as required under XXXX XXXX. XXXX. \nSales tax ( 6.875 % ) and total amount due ( {$800.00} ) differ between the XXXX XXXX ( XXXX ) and the XXXX XXXX XXXX. \nImproper or delayed title transfer and lien recording under XXXX XXXX. XXXX ( late filing penalty not disclosed ). \nMandatory arbitration clause and waiver of class rights pre-checked electronically without explanation or opportunity to opt out. \nDealer listed false or incomplete addresses and omitted physical lienholder data, violating XXXX and UCC filing rules. \nPotential falsification of the Buyers Order and finance figures to match XXXX underwriting limits. \nXXXX. Magnuson-Moss Warranty Act ( 15 U.S.C. 2301 et seq. ) : The dealer failed to provide the required written warranty disclosure prior to sale and failed to post the Buyers Guide window form as mandated by 16 C.F.R. 455. \nXXXX. Minnesota XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) : Misrepresentation of price, financing terms, and service contract availability. \nFailure to remit or disclose proper sales tax and registration charges to the Minnesota Department of Public Safety.","date_sent_to_company":"2025-11-01T09:55:00.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"55912","tags":null,"has_narrative":true,"complaint_id":"16968979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2025-11-01T09:30:13.000Z","state":"MN","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["Magnuson-Moss Warranty Act ( 15 U.S.C. 2301 et seq. ) : The dealer <em>failed</em> to provide the <em>required</em> written warranty disclosure prior to sale and <em>failed</em> to post the Buyers Guide window form as mandated by 16 C.F.R. 455. \nXXXX. Minnesota XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) : Misrepresentation of price, financing <em>terms</em>, and service contract availability. \nFailure to <em>remit</em> or disclose proper sales tax and registration charges to the Minnesota Department of Public Safety."]},"sort":[14.082006,"16968979"]},{"_index":"complaint-public-v1","_id":"12862544","_score":13.970869,"_source":{"product":"Mortgage","complaint_what_happened":"( THIS IS A PRIVATE COMMUNICATION AND HAS NOT YET BEEN FILED BEFORE THE DISTRICT COURTS OF FLORIDA STATE, THIS IS AN OPPORTUNITY TO CURE LETTER ) IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF FLORIDA STATE XXXX XXXX XXXX, v. \n\nWELLS FARGO/ WELLS FARGO HOME MORTGAGE Defendant. \n\n\nCOMPLAINT FOR SECURITIES FRAUD, PROMISSORY FRAUD, TILA VIOLATIONS, AND RESPA VIOLATIONS JURY TRIAL DEMANDED INTRODUCTION Plaintiff, XXXX XXXX, brings this lawsuit against Defendant, [ Bank Name ], for violations of federal and state laws, including but not limited to securities fraud, promissory fraud, violations of the Truth in Lending Act ( TILA ), and violations of the Real Estate Settlement Procedures Act ( RESPA ). \n\nPlaintiff seeks compensatory, punitive damages, and all other remedies available under the law, as well as an award of attorneys fees and costs. \n\nJURISDICTION AND VENUE This Court has jurisdiction over this action under 28 U.S.C. 1331 because it arises under the laws of the United States, including the Securities Exchange Act of 1934, the Truth in Lending Act, and the Real Estate Settlement Procedures Act.\n\nVenue is proper in this Court under 28 U.S.C. 1391 because WELLS FARGO HOME MORTGAGE business operations affect Plaintiff 's financial interests in Florida, and a substantial part of the events or omissions giving rise to the claims occurred within this District. \n\nPARTIES Plaintiff : XXXX XXXX Defendant : WELLS FARGO XXXXWELLS FARGO HOME MORTGAGE is located in XXXX XXXX XXXX Iowa XXXX corporation with its principal place of business at Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX. \n\nFACTUAL ALLEGATIONS On or about [ Date, Defendant, WELLS FARGO HOME MORTGAGE, entered into various agreements with Plaintiff related to the purchase of securities and the origination of a mortgage loan. \n\nDefendant knowingly made material misrepresentations about the risks and valuation of securities sold to Plaintiff. These misrepresentations were fraudulent and were intended to induce Plaintiff to purchase the securities, which resulted in significant financial losses.\n\nAdditionally, Defendant made false promises regarding the terms of the mortgage loan, including representations about interest rates, payments, and the loans impact on Plaintiffs financial obligations. \n\nDefendant violated both the Truth in Lending Act ( TILA ) and Real Estate Settlement Procedures Act ( RESPA ) in connection with the mortgage loan. Defendant failed to provide proper disclosures about the loan terms, including the Annual Percentage Rate ( APR ), finance charges, and other material facts as required under TILA. Furthermore, Defendant failed to properly disclose settlement costs and failed to comply with RESPA 's requirements for the timely delivery of the Good Faith Estimate ( GFE ) and the HUD-1 Settlement Statement.\n\nCLAIMS FOR RELIEF COUNT ONE : SECURITIES FRAUD ( Federal ) Plaintiff re-alleges and incorporates by reference paragraphs 1 through 10 as if fully set forth herein.\n\nDefendant violated Section 10 ( b ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78j ( b ) ) and Rule 10b-5 ( 17 C.F.R. 240.10b-5 ), which prohibit fraudulent statements or omissions in connection with the purchase or sale of securities.\n\nDefendant WELLSFARGO/WELLS FARGO HOME MORTGAGE knowingly made false statements of material fact or omitted material facts necessary to make statements not misleading, with the intent to deceive or defraud Plaintiff. These fraudulent actions resulted in harm to Plaintiff, who suffered financial loss as a result of relying on Defendants fraudulent statements and omissions.\n\nBackground of the Situation it has come to my attention that your actions related to the fraudulent actions, including the promissory fraud, securities fraud, and unjust enrichment e.g., misrepresentation of investment opportunities, false promises, manipulation of securities transactions, etc. ] have resulted in my financial loss. Specifically : Promissory Fraud : You knowingly made false representations and promises, with the intent to deceive and induce me to enter into financial agreements based on misleading or fraudulent information.\n\nSecurities Fraud : You engaged in fraudulent conduct related to the purchase or sale of securities, which included the misrepresentation of material facts and omissions that materially affected my decision to engage in these transactions.\n\nUnjust Enrichment : As a result of these fraudulent actions, you have unjustly gained financial benefits that were rightfully due to me, without any legal basis or entitlement to the funds or assets involved.\n\nOpportunity to Cure Under the circumstances, and in order to resolve this matter without further legal action, I am offering you the opportunity to cure these violations and settle this matter in a manner that is fair and reasonable. Specifically, I am requesting that you immediately repay the sum of {$200000.00}, which represents the financial harm caused by your fraudulent conduct.\n\nTerms of Cure : Payment : You must remit a total of {$200000.00} to me by [ Insert Payment Deadline Date, e.g., 30 days from receipt of this letter ]. This amount represents the damages incurred due to your fraudulent actions, including the loss of investments, associated costs, and any unjust enrichment obtained by you.\n\nMethod of Payment : The payment should be made via bank transfer, certified check, or another agreed-upon method to the following details : Pay to the Order of XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX, FL [ XXXX ] Full Resolution : Upon receipt of the payment, I will consider this matter resolved and will not pursue further legal action related to the promissory fraud, securities fraud, or unjust enrichment. \n\nFailure to Cure If you do not meet the terms outlined above or fail to remit the payment by the specified deadline, I will have no choice but to pursue all available legal remedies. This may include initiating a lawsuit to recover the {$200000.00} in damages, as well as any additional legal costs, interest, and potential punitive damages that may be awarded under applicable law. \n\nPlease consider this an opportunity to resolve this matter without the need for formal litigation, which could result in further financial liability and potential reputational harm. \n\n\nKindly confirm your intention to cure this breach by providing written acknowledgment of this letter and your commitment to repay the amount specified. If you require additional time or clarification, I am open to discussing an extension or addressing any concerns you may have. However, please note that the full payment is still expected no later than XX/XX/XXXX If you have any questions or wish to discuss this matter further, please do not hesitate to contact me at XXXX I look forward to receiving your prompt response and resolution of this issue. \n\nSincerely, XXXX XXXX XXXX, legal representative on behalf of XXXX XXXX","date_sent_to_company":"2025-04-07T14:07:00.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"33870","tags":null,"has_narrative":true,"complaint_id":"12862544","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-04-07T13:52:03.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["Defendant <em>failed</em> to provide proper disclosures about the loan <em>terms</em>, including the Annual Percentage Rate ( APR ), finance charges, and other material facts as <em>required</em> under TILA. Furthermore, Defendant <em>failed</em> to properly disclose settlement costs and <em>failed</em> to comply with RESPA 's requirements for the timely delivery of the Good Faith Estimate ( GFE ) and the HUD-1 Settlement Statement."],"issue":["Trouble during <em>payment</em> process"]},"sort":[13.970869,"12862544"]},{"_index":"complaint-public-v1","_id":"7687683","_score":13.790182,"_source":{"product":"Mortgage","complaint_what_happened":"email sent on XX/XX/XXXX ( cc XXXX XXXX XXXX. of XXXX XXXX ) Mr Cooper/Nationstar : Seems the \" research '' department failed to \" investigate '' my latest query regarding the amortization schedule. A correct schedule is attached for your reference as there is a large discrepancy ( over {$8500.00} ) that must be rectified immediately. Had the HAF funds been properly allocated in a timely manner... \n\nSecondly, the 3 additional payments of {$23.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were never applied to the principal balance ( not reflected in attached amortization FYI ) Explanation required for {$80.00} on XX/XX/XXXX Detailed breakdown of the {$29000.00} in deferred interest is also required. \n\nResponse on XX/XX/XXXX We received your correspondence and an email directly from the customer on XX/XX/XXXX, and after an investigation, we are sharing with you what we found. \nHomeowners Assistance Fund ( HAF ) and Payment Application Mr. Cooper previously received similar inquiries which raised duplicative concerns. As such, we have enclosed copies of our response letters dated XX/XX/XXXX ( XXXX ), and XX/XX/XXXX, which serves to address the payment application concerns related to the XXXX funds received. \nIn our prior responses, the customer was provided detailed information regarding our communication with the State and details regarding the application of the XXXX program funds, and the funds that were remitted directly by the customer to the account from XX/XX/XXXX, through XX/XX/XXXX. Our line- by-line review did not identify {$8500.00} in misapplied HAF Payments. The customer indicated that the HAF payments were not applied timely. On XX/XX/XXXX, we sent a request to the State to have the XXXX funds of {$7900.00} that were previously returned to the State in error on XX/XX/XXXX, be returned to Mr. Cooper. We received the Bulk Transaction ( B Record ) on XX/XX/XXXX, for the returned funds that were wired to Mr. Cooper on XX/XX/XXXX. Please be informed that the XXXX funds received from the State are bulk transactions, which must be reconciled before the funds can be posted, as the B records contain approval amounts for multiple accounts. The XXXX funds were posted with the effective date that they were received ( XX/XX/XXXX ). \nAs such, on XX/XX/XXXX, we reversed the payments that were applied on the account back through XX/XX/XXXX, and reapplied all of the XXXX funds received for the Unemployment Program to the account on XX/XX/XXXX, and XX/XX/XXXX. The XXXX funds of {$5900.00}, received on XX/XX/XXXX, and funds remitted directly by the customer in the amount of {$56.00} on XX/XX/XXXX, and {$2000.00} on XX/XX/XXXX ( total {$8000.00} ), were reapplied as the XX/XX/XXXX, through the XX/XX/XXXX, contractual payments, each in the amount of {$2000.00}, and {$0.00} was applied to the suspense account. \nThe XXXX funds of {$7900.00} that were received on XX/XX/XXXX, were applied as the XX/XX/XXXX, through the XX/XX/XXXX, contractual payments, each in the amount of {$2000.00}, and the remaining XXXX funds of {$1900.00} were applied to the suspense account. On XX/XX/XXXX, we received a partial payment of {$74.00}, which was combined with funds withdrawn from the suspense account in the amount of {$1900.00}, and applied as the XX/XX/XXXX, contractual payment of {$2000.00}. On XX/XX/XXXX, we received funds of {$2000.00}, which were applied as the XX/XX/XXXX, contractual payment. \nTrial Period Plan ( TPP ), Loan Modification, and Capitalized Delinquent Interest In the customers most recent correspondence, she inquired about XXXX ( XXXX ) additional payments each in the amount of {$23.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please note that the account was approved for a Flex Modification that was contingent upon the completion of a TPP, as evidenced by the enclosed approval letter dated XX/XX/XXXX. The terms of the TPP indicated XXXX ( XXXX ) trial payments each in the amount of {$1300.00}, due by XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, consecutively. The customer actually remitted XXXX ( XXXX ) payments in the amount of {$1400.00} each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The payments were applied as the first, second, and third trial payments on the aforementioned dates, each in the amount of {$1300.00}. As such, the remaining funds from each payment remitted was in the amount of {$23.00}, which were all applied to the suspense account, bringing the suspense account balance to {$80.00}. The suspense account, also known as the unapplied funds balance, is set up to temporarily hold any funds that have not been allocated to the loan account. \nThe customer requested an explanation regarding the funds of {$80.00} and the deferred interest amount of {$29000.00} reflected on the account history on XX/XX/XXXX. A loan modification was completed on the account effective XX/XX/XXXX, as evidenced by the enclosed executed Loan Modification Agreement. The amount of capitalized delinquent interest ( added to the principal balance ) was originally {$29000.00}, which was reduced by the suspense account funds of {$80.00}. As such, the amount of delinquent interest that was capitalized with the completion of the loan modification was {$29000.00}. \nPlease be informed that the aforementioned delinquent interest was capitalized to the principal balance and was not deferred. There is no deferred principal balance with the completion of the loan modification or currently reflected on the account. The amount of {$29000.00} reflects the delinquent arrearage of interest that accrued from the past due payments of XX/XX/XXXX, through XX/XX/XXXX. \n\nI need HELP!!!!!! With so many lawsuits against this company I am SHOCKED that I must continue to battle these criminals with no resolve. Their amortization schedule is costing me over {$8000.00} on my principal and upon further investigation regarding the deferred interest another $ XXXX is owed back to me. As more time goes by these numbers are compounding. Need this fixed ASAP!","date_sent_to_company":"2023-10-12T21:36:22.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"105XX","tags":null,"has_narrative":true,"complaint_id":"7687683","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2023-10-12T21:02:30.000Z","state":"NY","company_public_response":null,"sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["The <em>terms</em> of the TPP indicated XXXX ( XXXX ) trial <em>payments</em> each in the amount of {$1300.00}, due by XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, consecutively. The customer actually <em>remitted</em> XXXX ( XXXX ) <em>payments</em> in the amount of {$1400.00} each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The <em>payments</em> were applied as the first, second, and third trial <em>payments</em> on the aforementioned dates, each in the amount of {$1300.00}."],"issue":["Trouble during <em>payment</em> process"],"sub_issue":["<em>Payment</em> process"]},"sort":[13.790182,"7687683"]},{"_index":"complaint-public-v1","_id":"8267525","_score":12.542078,"_source":{"product":"Mortgage","complaint_what_happened":"Pursuant to Consumer Financial Protection Bureau Consent Order. Administration Proceeding File No. XXXX. \n\nHomeowners were solicited to participate in a preapproved HELOC loan in XXXX which was accepted by the homeowners for a ten year term.. Wells Fargo became the owner of the Note and Deed of Trust in XXXX. \nWells Fargo and/or its agents/servicers ( \" Wells Fargo '' ) then in XXXX, solicited the homeowners with an offer to extend the term of the HELOC for an additional five years based on the homeowners perfect payment history. As such, Wells Fargo provided the homeowners with a Home Equity Line of Credit Modification Agreement ( \" Agreement '' ) in XXXX of XXXX with instructions to execute the Agreement before a notary and to return same with a Cashier 's Check in the amount of {$150.00} to \" complete and record '' the Agreement. The homeowners complied with the request and timely returned the Agreement with the Cashier 's Check via XXXX  Next Day Air. Wells Fargo confirmed receipt and acceptance of the Agreement and the Cashier 's Check which was deposited to a Wells Fargo account on the following day. Please note the Agreement did not reduce the principal nor interest rate. The Agreement capitalized one month 's interest payment in the amount of {$820.00}. During the transition to the new Agreement and a change of Wells Fargo 's servicers, the homeowners remitted an electronic payment on XX/XX/XXXX in the amount of {$850.00} to be applied to the HELOC which was received, accepted and acknowledged in writing, and was retained by Wells Fargo, but was never applied to the homeowner 's HELOC account. \nThe first statement received from Wells Fargo 's new servicer ( dated XX/XX/XXXX ) did not reflect the terms of the Agreement, did not reflect the one month 's interest capitalized per the Agreement nor the {$850.00} payment and reflected the entire balance and more was due. Upon the receipt of the erroneous statement I made numerous phone calls and wrote a qualified dispute letter to both of Wells Fargo 's agent/servicers pointing out and documenting the numerous errors and requested that the letter be forwarded to Wells Fargo as Wells Fargo never advised the homeowners of its address, telephone number or that it had acquired the Note and Deed of Trust as required by federal statute. I received no response from Wells Fargo nor its agent/servicers. The next monthly statement that I received reflected the same erroneous information as the previous statement. I continued to reach out to Wells Fargo 's servicers, all to no avail. I responded to the erroneous statement by remitting a timely and sufficient payment in the amount of {$770.00} as reflected on the statement as current finance charges. The payment was returned to me with a letter stating the reason for the return was \" not enough to cure default ''. Failing to process a sufficient and timely payment is another violation of federal statutes. \nBy letter dated XX/XX/XXXX, I received notice that \" as of today, your loan is 3 payments past due ''. This statement is totally false. Wells Fargo failed to account for : 1 ) {$820.00} monthly payment capitalized per the Modification Agreement ; 2 ) {$850.00} monthly payment of XX/XX/XXXX and 3 ) {$770.00} payment rejected and returned for \" not enough to cure default ''. \nThis letter goes on to threaten legal action and foreclosure of my property. \nI continued to contact the parties involved and continued to remit timely and sufficient payments which were continuously rejected and returned for \" not enough to cure default ''. Wells Fargo never acknowledged my disputes, never applied previous payments, never completed or recorded the Modification Agreement nor attempted to resolve the obvious and blatant errors but rather, on XX/XX/XXXX, referred my account to its attorneys to begin foreclosure proceedings on my property citing false information of default, specifically, the XX/XX/XXXX payment of {$770.00} which they had rejected and returned to me. \nMy property was foreclosed on by its attorneys, acting as Substitute Trustees, on XX/XX/XXXX resulting in horrendous damages to the homeowners. I lost my business, my home and my wife of 50 years. Less than one month after having to leave our home of 27 years due to the foreclosure, my wife passed away from XXXX, also known as \" XXXX XXXXXXXX syndrome ''. \nFor over a year now, beginning XX/XX/XXXX, I have been in contact with Wells Fargo concerning the CFPB/Wells Fargo Consent Order concerning damages for wrongful foreclosures but Wells Fargo has responded with only the most ridiculous excuses for excluding me from any relief : 1 ) they could not find my account number 2 ) they included my account in a trust so it was no longer a personal loan 3 ) they needed my signature, social security number and account number ( which I had previously provided to them ) 4 ) they didn't service the account so contact XXXX XXXX ( one of its agent/servicers ) 5 ) that they had investigated and that no errors occurred and the account was handled properly ( no documents or research results were provided to support this claim ) 6 ) that they located the Substitute Trustees Deed and it did not reflect Wells Fargo 's involvement ( shortly before the actual foreclosure Wells Fargo assigned the Deed of Trust to XXXX XXXX XXXX, a XXXX XXXX, to complete the foreclosure ) 7 ) they were only acting as trustee with little to no involvement in its servicing ( they were actually the owner of the Note and Deed of Trust from XXXX until XXXX when they assigned the Note and Deed of Trust to XXXX XXXX and XXXX XXXX XXXX ) 8 ) they referred me to contact XXXX XXXX, another one of their agent/servicers The only excuse and diversion from accepting liability that they didn't use was that the dog ate it! \n\nThe documents provided to Wells Fargo previously, and included with this complaint, substantiates the events, facts and claims as has been presented herein.","date_sent_to_company":"2024-02-23T19:27:07.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"305XX","tags":"Older American","has_narrative":true,"complaint_id":"8267525","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2024-02-01T21:50:51.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["Wells Fargo <em>failed</em> to account for : 1 ) {$820.00} monthly <em>payment</em> capitalized per the Modification Agreement ; 2 ) {$850.00} monthly <em>payment</em> of XX/XX/XXXX and 3 ) {$770.00} <em>payment</em> rejected and returned for \" not enough to cure default ''. \nThis letter goes on to threaten legal action and foreclosure of my property. \nI continued to contact the parties involved and continued to <em>remit</em> timely and sufficient <em>payments</em> which were continuously rejected and returned for \" not enough to cure default ''."],"issue":["Trouble during <em>payment</em> process"],"sub_issue":["<em>Payment</em> process"]},"sort":[12.542078,"8267525"]},{"_index":"complaint-public-v1","_id":"4212120","_score":12.450406,"_source":{"product":"Mortgage","complaint_what_happened":"In early XX/XX/XXXX I sent sufficient payment to pay off the remaining principal balance of the mortgage. Bank of America ( which currently services the mortgage ) failed to apply that amount and instead put it in suspense ( \" unapplied funds '' ). The check cleared my account on XX/XX/XXXX. The Bank acknowledged receipt of the funds on XX/XX/XXXX. When I contacted them ( I spoke with \" XXXX '' on XX/XX/XXXX ) I was told that Bank of America would not permit me to pay off the mortgage this way, despite the original terms of the note and mortgage, which originated around XX/XX/XXXX. Those terms state that I can pay it off in part or entirety at any time. \n\nAs part of my divorce settlement, I had agreed to transfer the property to my ex-spouse ; while my ex-spouse was never on the deed the loan originator had required that my ex-spouse sign the mortgage and note, thus the mortgage and note were in both of our names even though the actual property was only in my name. Bank of America has always mis-spelled my ex-spouse 's name, which further complicates this matter. \n\nAs part of transferring ownership to my ex-spouse and my ex-spouse 's current partner, my attorney obtained a payoff quotation from Bank of America, which was for the amount of the mortgage not considering the suspense funds. Because those funds were not applied and not reflected in the payoff quotation, at closing I was required to remit the full amount remaining on the mortgage. The closing agent wire transferred that money to Bank of America on XX/XX/XXXX. When I attempted to verify the status of the mortgage online, I found that Bank of America had removed it from their website. When I contacted them On XX/XX/XXXX, I was advised that it is normal practice for them to remove my access. I complained because this means that I no longer have access to the forms. For example, they sent me e-mail telling me that the 1098 is available online, but it is actually not accessible! As part of the discussion on XX/XX/XXXX I was advised they would require 20 business days after the payoff to finish processing the paperwork. \n\nOn XX/XX/XXXX, I called during their business hours but received an auto-attendant message stating it was outside their business hours. \n\nOn XX/XX/XXXX, I called at XXXXXXXX XXXX PT ( which is also inside their business hours ) and was told they had opened an account to figure out why the overpayment had not been refunded. I was given a case number and an estimated completion date of XX/XX/XXXX. On XX/XX/XXXX I called and spoke with \" XXXX in XXXX XXXX '' at XXXX XXXX PT. After speaking with XXXX and a second person, Bank of America basically stated that I was being mistruthful and they had not received two payoffs for this mortgage. They advised me that to process this further they would need to have written documentation showing both payment and evidence that the original payoff had come from my personal bank account. That same day I sent a cover letter along with all of the requested documentation : the wire transfer acknowledgement, including XXXX reference number from the closing agent, as well as copies of my canceled check and ACH deductions, and my bank statement showing those were withdrawn from my XXXX XXXX bank account. In my cover letter I advised them that I would be taking further action if this matter were not resolved within 30 days. It has now been more than 30 days, they have not responded to me, contacted me, nor refunded the excess funds as I requested. It is my hope that CFPB can encourage Bank of America to complete this process without going to court.","date_sent_to_company":"2021-03-14T18:29:08.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"4212120","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-03-14T17:55:52.000Z","state":"NH","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":["In early XX/XX/XXXX I sent sufficient <em>payment</em> to pay off the remaining principal balance of the mortgage. Bank of America ( which currently services the mortgage ) <em>failed</em> to apply that amount and instead put it in suspense ( \" unapplied funds '' ). The check cleared my account on XX/XX/XXXX. The Bank acknowledged receipt of the funds on XX/XX/XXXX."],"issue":["Trouble during <em>payment</em> process"]},"sort":[12.450406,"4212120"]},{"_index":"complaint-public-v1","_id":"3928737","_score":12.383426,"_source":{"product":"Mortgage","complaint_what_happened":"Please refer to prior complaint XXXX, which was not answered by Wells Fargo. Wells Fargo submitted a response, but it did not actually address what I complained about. Specifically, please refer to my \" feedback '' regarding their response, which states my concerns in a way I am hoping Wells Fargo can comprehend. For your ease of reference, I am also copying and pasting that feedback here : THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS The company 's response fails to address, in any meaningful or material way, the substance of my complaint. Instead of actually processing what I was saying, Wells Fargo, in essence, simply regurgitated information that, had they read what I actually wrote, or had the individual who contacted me ( Ms. XXXX XXXX, who is handling my complaint ) actually listened to, would have realized I was already aware of. Because Wells Fargo has repeatedly demonstrated that they are incapable of comprehending anything longer than a few paragraphs or more complicated than simply explaining what function escrow serves, I will present what I am complaining about in simple points : 1 ) Your escrow statement gave an option that was not even lawful for you to present ( i.e., pay the escrow shortage in a lump sum ). Again, please refer to the CFPB 's Supervisory Highlights for XXXX XXXX, section 2.5.4. \n2 ) I understand that what you are doing ( i.e., having me pay the escrow shortage over 12 or more months ) is lawful. Since XXXX XXXXWells Fargo does not understand that, here is the citation : Section 1024.17 ( f ) ( 3 ) ( ii ) ( B ).\n\n3 ) Despite point \" 2 '' above, Section 1024.17 ( f ) ( 3 ) ( ii ) ( A ) states : \" The servicer may allow a shortage to exist and do nothing to change it ... '' THAT is what I am asking Wells Fargo to do. \n4 ) I understand what the difference between a shortage and a deficiency ( XXXX, if you are reading this, both terms are defined in Section 1024.17 ( b ) ). If your escrow statement indicated there would be a deficiency, then I would want you to adjust my payment. However, it indicates there will be a shortage, and thus I am asking Wells Fargo to exercise its option under the law ( again, see Section 1024.17 ( f ) ( 3 ) ( ii ) ( A ) ). \nI UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT Yes ADDITIONAL COMMENTS I understand the response, see prior comments. However, the response illustrates that the institution either willfully or negligently failed to address my complaint. \nTHE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS Ms. XXXX has failed to return calls on multiple occasions. When I last spoke to her on XX/XX/XXXX, she indicated she would be talking to her supervisory and calling me back, and then never did. I attempted to call her later that day and then again today ( XX/XX/XXXX ). A few more thoughts on Wells Fargo, Ms. XXXX, and the obvious lack of any Federal Consumer Financial Law ( FCFL ) training at Wells Fargo ( again, I will keep these brief to aide with Wells Fargo 's reading comprehension issues ) : 1 ) The response implies, and Ms. XXXX actually stated, the incorrect notion that PA law allows for what they are doing, when in fact PA law is mute, and thus RESPA controls. This is not a major point but illustrates they do not actually understand the regulations in play or how they apply. \n2 ) Related to \" 1, '' above, Ms. XXXX indicated that Wells Fargo was \" required '' to bill me for the shortage amount over the course of 12 months. Again, they are ALLOWED to do so, but that is almost the opposite of \" required. '' The fact that I was given clearly erroneous information would have surprised me if it was not already apparent Wells Fargo does not understand the law. \n3 ) Ms. XXXX told me in a phone call on XX/XX/XXXX that I can not rely on things I read in \" magazine articles, '' and was referring to the CFPB Supervisory Highlights report for XXXX  XXXX. I literally had to explain that the CFPB publishes this document and that it is not \" a magazine. '' This is absolutely SHOCKING to me. This individual, whose main job functions apparently include responding to CFPB complaints, literally has no idea what the Bureau does, and had NO IDEA that a Federal government agency published this report. \n4 ) Ms. XXXX repeated to me several times that the escrow statement indicated I would be deficient, however, in discussing with her, she effectively conceded she was unaware of the language in Regulation X that defines these two terms in a very distinct and meaningfully different way. She literally stated \" they are saying you will be deficient, '' when the escrow statement in fact shows a shortage, not a deficiency. \nOn a final note - I was forced to remit XXXX XXXX mortgage payment because it is due XX/XX/XXXX, and I am quite certain Wells Fargo would charge me a late fee and credit report me if I did not remit it, but please be advised that is by no means a concession in any form that I agree or am complacent with the outcome of this issue, which in my mind is very much unresolved.","date_sent_to_company":"2020-10-30T19:39:46.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"170XX","tags":null,"has_narrative":true,"complaint_id":"3928737","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2020-10-30T19:25:38.000Z","state":"PA","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":["On a final note - I was forced to <em>remit</em> XXXX XXXX mortgage <em>payment</em> because it is due XX/XX/XXXX, and I am quite certain Wells Fargo would charge me a late fee and credit report me if I did not <em>remit</em> it, but please be advised that is by no means a concession in any form that I agree or am complacent with the outcome of this issue, which in my mind is very much unresolved."],"issue":["Trouble during <em>payment</em> process"]},"sort":[12.383426,"3928737"]},{"_index":"complaint-public-v1","_id":"10924264","_score":12.256631,"_source":{"product":"Mortgage","complaint_what_happened":"I am writing to formally file a complaint regarding the handling of my home equity line of credit ( HELOC ) by TD Bank, which has caused me severe financial distress and XXXX. Below is a detailed summary of the ongoing issues : 1. Loan and Forbearance History - My HELOC with TD Bank began in XX/XX/XXXX. In XX/XX/XXXX, I was offered a six-month deferral program due to financial setbacks resulting from job loss.\n\n- I was assured this program would help me regain financial stability, but it has instead resulted in a nightmare of miscommunication and unresolved issues.\n\n2. Forbearance Period and Deferral Process - During the forbearance period ( ending XX/XX/XXXX ), I was in regular communication with TD Bank and instructed not to remit payments until the deferral paperwork was finalized.\n\n- The deferral was finally approved in XX/XX/XXXX, and I returned the notarized documents on XX/XX/XXXX, via XXXX, well before the XX/XX/XXXX deadline. I resumed payments as instructed.\n\n3. Credit Reporting and Negative Impacts - Despite being enrolled in the forbearance program, TD Bank reported my account negatively to credit bureaus. Although I was assured this would be correctedand even provided a letter stating sothe negative reporting persists, severely impacting my credit score.\n\n4. Inconsistent Communication and Lack of Transparency - Since XX/XX/XXXX, I have made at least 20 calls to TD Banks loss mitigation department to address these issues. I have been told repeatedly that the deferral is in process, despite having a letter confirming my approval.\n\n- Ive requested statements reflecting my payments twice ( on XX/XX/XXXX, and XX/XX/XXXX ) but have received nothing. Calls with the local branch manager, XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), have also failed to resolve these issues. \n\n5. Ongoing Concerns and Anxiety- On XX/XX/XXXX, I received an invoice in the mail for a {$20.00} inspection fee. While the fee itself is minor, given the current circumstances, it is deeply worrisome. Despite countless calls to TD Bank, no one can provide an explanation for this charge.\n\n- This adds to my suspicion that I am being misled into accepting a predatory new loan structure rather than returning to the terms of my original loan agreement. Something is seriously wrong with how this process is being handled.\n\n6. Predatory Loan Restructuring - The terms of the deferral documents I signed are significantly different from the original loan agreement, and the new structure seems predatory. It imposes conditions that are financially unsustainable and may have been designed to create long-term hardship.\n\n- I feel that I was steered into this deferral plan under the guise of assistance, only to be left in a far worse financial position with fewer protections.\n\nRequest for Immediate Assistance I am requesting urgent intervention : 1. Ensure that TD Bank provides accurate and transparent information regarding the status of my loan and deferral.\n\n2. Address and correct the negative reporting on my credit history.\n\n3. Prevent foreclosure actions on my property at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. \n4. Investigate the handling of my account by TD Bank, including their communication practices, adherence to fair lending standards, and the potentially predatory nature of the new loan structure.\n\nI have extensive documentation, including correspondence, timestamps, and call logs, to support my claims. Please advise if additional information is required.","date_sent_to_company":"2024-11-25T21:51:14.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"33445","tags":null,"has_narrative":true,"complaint_id":"10924264","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2024-11-25T21:42:10.000Z","state":"FL","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":["Please advise if additional information is <em>required</em>."],"issue":["Trouble during <em>payment</em> process"]},"sort":[12.256631,"10924264"]},{"_index":"complaint-public-v1","_id":"9920215","_score":12.027588,"_source":{"product":"Mortgage","complaint_what_happened":"Whatever you have to say on the phone you can put in writing to me as you have had no problem doing so for many months and have had no problem with contacting me in this manner ( by mail ). You have ignored every question that I ask and have given explanations that are not consistent with our recorded contract Agreement. You stated in your response letter dated XX/XX/year> : You have confirmed you are aware of the due date of the XXXX of each month. While you have a 10-day courtesy ( grace period ) as outlined during which time you may make a payment and avoid the assessment of a late charge, the courtesy period ( grace period ) does not prevent our ability to produce the monthly statement to remain compliant with servicing guidelines. But when sending out the statement before the end of the 10-day courtesy ( grace period ) has passed this causes the statement not to reflect that the current months payment has been made. Your computer system will continue to ask for two payments, on my statement, as it will never show that the current payment has in fact been made and within the required time frame of my agreement. On the reverse side of this letter, you stated in the second paragraph last sentence : You have provided a document outlining your belief in how your payments would be applied to the account. Please note, this is not an accurate method to calculate the payment application, as payments will be applied according to the information provided on your monthly statement. XXXX, you need to be referring to my recorded Agreement, not my monthly statement as a legal and binding document to follow. My monthly statement was never signed and agreed by me nor was it was never notarized and witnessed and dated. On the same back side of this letter from XXXX, paragraph number three : The definition of compound interest is interest being charged on interest, which is not how interest is assessed to this account. For this account, the interest assessed is based upon the principal balance of the account at the end of each day. You are responsible for issuing a payment to the account in a timely manner. When you choose to make the payment will affect how the payment will be applied to the account. We have not made an error in the application of payments or in the calculation of interest due on the account. Your payments have accurately applied to the account as outlined in the monthly account statement. There again XXXX, you are referring to the monthly account statement as the one in charge but it must follow my recorded Agreement. Second letter from XXXX, dated XX/XX/year>, second page, second paragraph : The specific payment terms are outlined in the signed XXXX with Flexibility Agreement and Disclosure Statement ( Agreement ). While the agreement outlines the terms of the account, additional clarification about the required payment is included on the monthly statements. I understand what you are saying, but you are still not giving the customer the rights they have to exercise the use of the 10-day grace period so it will reflect on the monthly statement! Why? The decisions being made to make changes which affect my Agreement in any way, shape, or form should be addressed to me prior to making changes from the very beginning and a complete and thorough explanation should be delivered to me as to your choosing of these desires you wish to use for processing the payments when it fails to honor the 10-day grace period written in the Agreement. Fourth paragraph, page two same letter : XXXX, has stated : Statements are required to be sent 14 days prior to the due date of the XXXX of each month. To ensure there is sufficient time for the statement to be received, and the monthly payment to be remitted we produce the statement 25 days prior to the due date, not the expiration of the grace period, as this would result in the statement being produced prior to the required due date of the current month. By producing the statements 25 days prior to the due date, we are ensuring we are always able to provide the monthly statement as required and provides as much time as possible for you to plan and make the monthly payment. While you have requested, we adjust the date the statements are produced, this is not an option for your individual account. Your explanation as saying your choosing of sending out the monthly statement 25 days prior to the next due date provides as much time as possible for me to plan and make the monthly payment. Please note, that I never said for you to send out a statement 25 days after the grace period!!! I simply stated that you should send out the statement 11 days after the current monthly payment has passed its due date and this would give the customer a statement reflecting that the current payment has been made and will show the correct amount due and calling for the next months payment due. This would give the customer 20 days to receive the statement reflecting a payment was made and one is due in 20 days. When you send out the statement five ( 5 ) days after the XXXX of the month, with the payment due for the following month, you are giving the customer XXXX days before the next payment is due to view the statement, but when the customer has exercised the 10-day grace period, that statement will NOT show the current payment was made. The 20 days before the payment is due for the following month is certainly adequate and it only reduces your choosing method of 25 days to 20 days! Bear in mind, I am only talking about a five ( 5 ) day difference, that all!! I would like to know the persons last name and their title that made the horrible unprofessional decision regarding your servicing guidelines. Makes no sense!!","date_sent_to_company":"2024-08-26T01:44:07.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"339XX","tags":null,"has_narrative":true,"complaint_id":"9920215","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-08-26T00:57:59.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["Second letter from XXXX, dated XX/XX/year>, second page, second paragraph : The specific <em>payment</em> <em>terms</em> are outlined in the signed XXXX with Flexibility Agreement and Disclosure Statement ( Agreement ). While the agreement outlines the <em>terms</em> of the account, additional clarification about the <em>required</em> <em>payment</em> is included on the monthly statements."],"issue":["Trouble during <em>payment</em> process"]},"sort":[12.027588,"9920215"]},{"_index":"complaint-public-v1","_id":"12481659","_score":11.889867,"_source":{"product":"Mortgage","complaint_what_happened":"This is the letter I sent to Mr. Cooper : To Whom It May Concern, I am writing to address a serious breach of your legal and fiduciary duties as the servicer of my mortgage. Despite my timely and full payments into the mortgage/escrow account managed by Mr. Cooper, you failed to disburse payments for my homeowners insurance for two years, resulting in a lapse of coverage. This egregious mismanagement violates both state and federal laws, and has directly caused financial loss due to substantial damage to my home. They are claiming my account is not escrowed which is a total error and my loan origination document clearly states my insurance is escrowed. \n\nOn XX/XX/year>, my property suffered catastrophic water damage due to a pipe or appliance failure ( currently under investigation ). The resulting flood caused extensive destruction, including the total loss of my kitchen and damage to walls and flooring on two floors. Because Mr. Cooper failed in its obligations, I was left without insurance coverage, forcing me to bear these costs personallysomething that was entirely avoidable had you properly serviced my escrow account. Also, the lender placed insurance has been unresponsive and an adjuster has not contacted me even after receiving a claim number to understand coverage although my home is in immediate threat.\n\nFederal and State Law Violations : As my mortgage servicer, Mr. Cooper had a legal and contractual obligation to : Ensure timely payment of escrowed funds to my homeowners insurance carrier.\n\nNotify me immediately if there were any issues with escrow disbursements or a lapse in coverage.\n\nMaintain accurate escrow records and provide transparency regarding disbursements.\n\nBy failing to do so, Mr. Cooper is in violation of the followin\ng laws : Federal Law Violations : Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605 ( g ) You are federally required to make timely escrow disbursements for items like homeowners insurance to protect my property and your collateral.\n\nRESPA, 12 U.S.C. 2605 ( k ) ( 1 ) ( C ) Mortgage servicers must take appropriate action to ensure that hazard insurance premiums are paid in a timely manner from the escrow account.\n\nRESPA Regulation X, 12 C.F.R. 1024.17 ( k ) Requires prompt disbursement of escrow payments to avoid penalties or lapses in coverage.\n\nConsumer Financial Protection Bureau ( CFPB ) Rules You are also subject to CFPB rules prohibiting unfair, deceptive, or abusive acts or practices ( UDAAP ). Failing to manage my escrow funds and leaving me uninsured constitutes an unfair and deceptive practice under federal law.\n\nCalifornia State Law Violations : California Civil XXXX XXXX Requires servicers to pay insurance premiums in a timely manner when escrow funds are collected. \nCalifornia Unfair Competition Law ( UCL ), Business and Professions Code XXXX et seq. \nEngaging in unlawful, unfair, and fraudulent business practices by failing to pay escrow obligations and not notifying me of the lapse. \nI am demanding based on my legal rights : A full written explanation for your failure to remit timely payments from my escrow account to maintain insurance coverage. \nA complete escrow account history, including all disbursements and payments, to identify where your servicing errors occurred. \nDocumentation of any force-placed insurance you XXXX have initiated, including terms, coverage periods, and scope. \nCompensation for the full cost of : A complete kitchen rebuild Repairs to walls and flooring on XXXX floors Any temporary housing expenses or relocation costs Loss of use and enjoyment of my home Bills incurred from increased energy, water, and other resource usage during this time of construction Any further damages, costs, and legal fees incurred as a result of your negligence. \nRepairs Will Commence Immediately : I must begin repairs immediately to prevent further damage, protect the structure, maintain my property value, and resume safe use of my home. Mr. Cooper will be held financially responsible for all costs arising from this event. \n\nSincerely,","date_sent_to_company":"2025-03-14T06:22:38.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"90249","tags":null,"has_narrative":true,"complaint_id":"12481659","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2025-03-14T06:10:36.000Z","state":"CA","company_public_response":null,"sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["I am demanding based on my legal rights : A full written explanation for your failure to <em>remit</em> timely <em>payments</em> from my escrow account to maintain insurance coverage. \nA complete escrow account history, including all disbursements and <em>payments</em>, to identify where your servicing errors occurred. \nDocumentation of any force-placed insurance you XXXX have initiated, including <em>terms</em>, coverage periods, and scope."],"issue":["Trouble during <em>payment</em> process"]},"sort":[11.889867,"12481659"]},{"_index":"complaint-public-v1","_id":"5330294","_score":11.839795,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"It is on this date, XX/XX/XXXX, that I, XXXX, XXXX, XXXX who is a natural living being exercise my right to rescission. Upon reviewing my contract, obligations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant 15 USC 1601 named Truth in Lending.\n\nPer the congressional findings of TILA, It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit During the consummation of this contract, XXXX DID NOT DISCLOSE MY RIGHT TO RESCIND OR PROVIDED ME WITH A NOTICE. \n\nIt is appropriate for me to assume that XXXX XXXX at XXXX intentionally withheld pertinent information to complete the sale. Thus, being the case, pursuant 15 USC 1635 I have the right to rescind my obligation and renege my initial consent to pursue the previous terms. It is clear you are not trustworthy and have predatorily conducted business in commerce. \n\n\n\nThis title subchapter under 15 USC 1662 may be sited as the Truth and Lending Act that specified down payments should not be required or advertised to aid, promote, or assist or be connected directly or indirectly any extension of consumer credit. During the consummation of this contract, XXXX violated this law by advertising to me that I needed to make a down payment and not stating that my social security number was my consumer credit transaction. \n\n\nPer Effective, XX/XX/XXXX I am no longer responsible for any security interest, finance charge, or fees associated with this contract. I conclude this letter with a demand for you to cease and desist any collection of my initial down payment since you failed to mention that This title subchapter under 15 USC 1605 may be sited as the Truth and Lending Act that my finance charge was all I needed to complete the deal and that the CASH PAYMENT was only of benefit to you.\n\nI also noticed that upon pulling my consumer report dated XX/XX/XXXX that your company Bridgecrest has been furnishing my information in various ways. If you havent been made aware, there are various laws in place to protect me as a consumer and to construct this business transaction. As a reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direction, please refer to Title 15 USC 1666b. I would also like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date I have not granted you to furnish anything regarding my consumer report. \nDue to the negligence and unfair misconduct of XXXX and your company Bridgecrest you must cease and desist the repossession of the XXXX XXXX XXXX immediately and any repossession of the car would be a violation under Title 15 USC 1692f ( 6 ) ( A ) and its subchapters which states that you are in violation if you attempt or threat to take any nonjudicial action to effect dispossession or disablement of my property which was an extension of my credit to you. Also I urge you to immediately cease and desist any enforcement of any tow truck company from locating my vehicle Failure to cease and desist the repossession of my vehicle and releasing any addresses, or locations related to me without my consent will be in violation of Title USC 1692b which states that you can not state I as a consumer owe any debt in attempt for them to repossess my vehicle. I also havent granted you consent to release any information regarding any of my consumer reports to any third parties and doing so will be in violation of my rights under Title 15 USC code 1692c and its subchapters. \n\nYour apparent deception and constant neglect to properly carry out your job has violated Fair Crediting Reporting Act and is costing me by ruining my reputation on my consumer report, defamation of my character, has made me lose important deals because of high interest rates that I would incur, intimidation due to fear that my car would be repossessed unfairly which caused me to miss work, mental anguish.\n\nRemedies should include but not limited to : The below accounts should be deleted and marked ON TIME XXXX  Account # XXXX Under Title 15 USC 1640 ( a ) Civil Liabilit, since XXXX  failed to comply to laws and I as the consumer sustained damages : Bridgecrest must turn over the Title, registration of the XXXX XXXX XXXX vehicle, Refund any payment made and {$10.00} should be made payable to me the consumer Remit all payments to : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX PA XXXX Kindly XXXX : XXXX Without prejudice, all natural inalienable rights reserved.","date_sent_to_company":"2022-03-16T04:33:46.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"19143","tags":"Servicemember","has_narrative":true,"complaint_id":"5330294","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2022-03-16T04:20:29.000Z","state":"PA","company_public_response":null,"sub_issue":"Confusing or misleading advertising or marketing"},"highlight":{"complaint_what_happened":["Remedies should include but not limited to : The below accounts should be deleted and marked ON TIME XXXX  Account # XXXX Under Title 15 USC 1640 ( a ) Civil Liabilit, since XXXX  <em>failed</em> to comply to laws and I as the consumer sustained damages : Bridgecrest must turn over the Title, registration of the XXXX XXXX XXXX vehicle, Refund any <em>payment</em> made and {$10.00} should be made payable to me the consumer <em>Remit</em> all <em>payments</em> to : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX PA XXXX Kindly XXXX : XXXX"]},"sort":[11.839795,"5330294"]},{"_index":"complaint-public-v1","_id":"5493966","_score":11.709339,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I took out a loan and found out that the lender was not licensed to loan in the state of XXXX. The multiple payments did not make a dent in the loan. I started looking into this and found the loan was not legal. Originally took out a loan for {$800.00}. Paid back {$1600.00} which was well over the principal. I revoked the authorization back on XX/XX/XXXX and asked for a refund of the overpayment above the principal. Company did not respond to that. Now today XX/XX/XXXX I received a collection notice from Here is a copy of communication. \n\nI received another notice today from your company attempting to collect on this loan which was already paid in full. Loan # XXXX Your company is not licensed to loan in the state of XXXX and I overpaid on what was owed. I am disputing the validity of this collection and will file a complaint with the regulatory agency in my state. Please process a refund for amounts collected above the principal. The loan was not collectible or enforceable. \n\nXXXX XXXX Sent from XXXX XXXXXXXX Mail for XXXX On Monday, XX/XX/XXXX, XXXX XXXX XXXX wrote : Dear XXXX XXXX, We have received your request to revoke your electronic payment authorization and have cancelled all further electronic debits to your account. \n\nPlease be advised that revoking your electronic payment authorization does not eliminate your obligation to repay your loan. If you fail to remit payment as required by the terms of your loan agreement, it may result in your account being considered in default and Uprova may exercise all rights available to it under the Consumer Loan and Arbitration Agreement. \n\nIf you have additional questions, feel free to contact us at XXXX. \n\nSincerely, Customer Service XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX CONFIDENTIALITY NOTICE : This e-mail message including attachments, if any, is intended for the person or entity to which it is addressed and may contain confidential and/or privileged information. If you are not the intended recipient, please contact the sender by reply e-mail and delete all copies of the message from your system. Any unauthorized review, dissemination, copying, or the taking of any actions based on the contents of this information is strictly prohibited. Do not use or disclose the contents to others. \n\n\nFrom : XXXX Sent : Sat XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX Subject : Revoke XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am revoking my ACH on loan # XXXX. I have paid in {$1600.00} on a {$800.00} loan. I found out that you are not licensed in the state of XXXX and that the loan and the interest rates are not legal in my state. I would like a refund of funds paid over principal and the loans closed as I consider this loan paid off. Im not able to access the website as its says under maintenance for over two weeks. \n\nPlease confirm that all ACH withdrawals have been stopped. Also confirm the loan is closed. I will be reporting this to the XXXX  XXXX XXXX and Consumer Financial Protection Bureau. \n\nSincerely XXXX XXXX","date_sent_to_company":"2022-04-25T18:49:58.000Z","issue":"Problem with the payoff process at the end of the loan","sub_product":"Payday loan","zip_code":"98033","tags":null,"has_narrative":true,"complaint_id":"5493966","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Uprova Credit, LLC","date_received":"2022-04-25T18:31:09.000Z","state":"WA","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":["If you <em>fail</em> to <em>remit</em> <em>payment</em> as <em>required</em> by the <em>terms</em> of your loan agreement, it may result in your account being considered in default and Uprova may exercise all rights available to it under the Consumer Loan and Arbitration Agreement. \n\nIf you have additional questions, feel free to contact us at XXXX."]},"sort":[11.709339,"5493966"]},{"_index":"complaint-public-v1","_id":"14088600","_score":11.438817,"_source":{"product":"Mortgage","complaint_what_happened":"Issue : Mortgage Servicer Ignored My Legal Rights and Mishandled My Loss Mitigation Application by Issuing a Trial Loan Modification Without Proper Review or Consent Company : Virginia Housing Development Authority ( VHDA ) Loan XXXX XXXX XXXX Date Problem Started : XX/XX/XXXX Description : I submitted a complete Borrower Assistance Package to VHDA on XX/XX/XXXX, including legal documentation proving I am the court-awarded owner of the property via a XXXX divorce decree, equitable distribution order, and deed. VHDA has failed to acknowledge me as the successor-in-interest ( SOI ) in violation of 12 C.F.R. 1024.36 ( i ), despite multiple submissions of proof of ownership and financial hardship, including a specific XXXX acknowledgment request sent via certified mail and email on XX/XX/XXXX, and reiterated an additional request in my XX/XX/XXXX package. \n\nVHDA also failed to comply with 12 CFR 1024.41 ( b ) ( 2 ) ( i ) ( B ) by not providing written acknowledgment of my complete loss mitigation application within XXXX business days, as required. \n\nInstead of properly evaluating my full loss mitigation package or offering all available options per 12 C.F.R. 1024.41, VHDA issued a unilateral trial modification on XX/XX/XXXX. This letter was addressed to the prior borrower, XXXX XXXX XXXX, with no explanation, no notification of appeal rights, and no analysis of alternatives. This violates federal servicing rules. \n\nThe information on the portal stated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX RE : VHDA Loan Number XXXX Dear Borrower ( XXXX ) : It is VHDA 's goal to assist you in retaining ownership of your home. \nA review of your financial situation shows you may qualify for a Loan Modification that will reinstate your account to a current status. \nYour account is presently due for XXXX through XXXX. \nAs of the date of this letter, the arrearage totals {$21000.00}. \nThis may include all or some of the following : Late charges, inspection fees, bad check charges, payoff fax fees, phone pay fees, corporate advances and escrow shortages. \nThe indebtedness in the captioned case is in default. In consideration of Virginia Housing Development Authority ( VHDA ) extending forbearance for a period of time, it is necessary that you indicate, by signing this Letter of Agreement, your acceptance of the following conditions : * Beginning on XX/XX/XXXX, you agree to make monthly payments for the trial period as follows : {$780.00} XX/XX/XXXX {$780.00} XX/XX/XXXX {$780.00} XX/XX/XXXX * There is no grace period during the forbearance. Payments must be received in our office on or before the date indicated. \nWhen remitting payments, include your loan number on the check or money order and send to : VHDA XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX Monthly reporting of your mortgage to the credit bureau will occur and will state the actual status of your account. If a payment is missed, the account will be removed from the program and foreclosure proceedings may begin. \n* Please know it is your responsibility to inform VHDA of any changes to your financial situation. \n* On or before XX/XX/XXXX, if the above is accomplished, you are required to contact VHDA in which a brief financial review will occur to ensure the Loan Modification. \nXX/XX/XXXX XXXX XXXXXXXX XXXX  The Loan Modification pertains to the mortgage loan indicated in this letter. If you have a VHDA second mortgage, this agreement does not affect that account. You are required to continue to remit schedule payments on the second mortgage. Contact our Collections Department to discuss payment arrangements. \n* If this signed document is not received within XXXX ( XXXX ) business days from the date of this letter, then this Agreement will be considered null and void and your loan will be removed from this program. In addition, compliance with the terms of this Agreement are mandatory and, if not adhered to, could result in your loan being removed from this program. \nAll of the provisions of the note and security instrument, except as herein provided, shall remain in full force and effect. Upon the breach of any provision of the Agreement, VHDA may terminate this Agreement and, at the option of VHDA, institute foreclosure proceedings according to the terms of the note and security instrument without regard to this instrument. \nIf I can be of further assistance, please use the contact information listed below. \nSincerely, XXXX XXXX XXXX VHDA, Senior Loss Mitigation XXXX XXXX ______________________________ _______________________________ VHDA Representative Date XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - You must sign, date and return this Agreement Letter within XXXX ( XXXX ) business days from the date of this letter. \n\n\n\nVHDA has refused to recognize me as the Successor-in-Interest in violation of FHA XXXX XXXXXXXX and 12 CFR 1024.30 ( d ), and has failed to process an assumption or provide loss mitigation options without requiring a creditworthiness review, which is explicitly prohibited for non-credit qualifying assumptions by FHA rules. This directly contradicts HUD XXXX XXXX and FHA guidance on successor-in-interest protections Despite submitting all legally required documentation showing I am the Successor-in-Interest, VHDA has failed to treat me as the borrower in violation of 12 C.F.R. 1024.30 ( d ) and FHA Mortgagee XXXX XXXX. I am legally entitled to full borrower protections, loss mitigation review, assumption without requalification, and direct communication. VHDAs actions have delayed assistance, bypassed due process, and exposed me to foreclosure threats without legal standing. \n\nFurthermore, the loan was XXXX in a XXXX XXXX bankruptcy filed by XXXX XXXX XXXX, rendering any claim to enforce the promissory note void under 11 U.S.C. 524. VHDA continues to reference and demand compliance with a discharged debt and has failed to engage with me, XXXX XXXX XXXX, the current legal owner and recognized XXXX under 12 CFR 1024.30 ( d ). This failure also violates FHA Mortgagee Letter XXXX, which mandates servicing protections for SOIs. \n\nDate Issue Regulation/Statute XX/XX/XXXX Failure to acknowledge XXXX request 12 C.F.R. 1024.36 ( i ) XX/XX/XXXX Failure to provide written acknowledgment of complete application within XXXX business days 12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ) ( B ) XX/XX/XXXX Failure to evaluate all available loss mitigation options 12 C.F.R. 1024.41 ( c ) XX/XX/XXXX XXXX written decision or appeal rights provided 12 C.F.R. 1024.41 ( d ), ( h ) Ongoing Contacting prior borrower, not current XXXX  12 C.F.R. 1024.35, 1024.36 XX/XX/XXXX Coercive XXXX deadline to accept trial modification or face foreclosure Reg X XXXX FHA XXXX XXXX Ongoing Misrepresentation of {$21000.00} arrearage without itemized breakdown RESPA 6 ( b ), CFPB guidance Summary of Violations : 12 CFR 1024.41 ( b ) ( 2 ) ( i ) ( B ) : Failure to acknowledge complete loss mitigation application in writing within 5 business days.\n\n12 CFR 1024.30 ( d ) and FHA XXXX XXXX : Failure to recognize and extend protections to a confirmed Successor-in-Interest. \n\n12 CFR 1024.41 ( c ) ( 1 ) : Failure to consider all available loss mitigation options beyond the imposed trial modification.\n\n12 CFR 1024.41 ( d ), ( h ) : Failure to provide a written decision and inform of appeal rights.\n\n12 CFR 1024.35 : Continuing servicing errors, including improper party contact and ignoring submitted documents.\n\nRESPA 6 ( b ) : Failure to provide a clear and itemized breakdown of arrears claimed. \n\n\n\nSupporting Documents : XXXX Divorce Decree awarding the property to me XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Assistance XXXX ( submitted XX/XX/XXXX ) VHDAs unilateral trial modification letter ( XX/XX/XXXX ) Proof of ignored or mishandled communications This is in addition to my previous CFPB complaint that vhda has ignored.","date_sent_to_company":"2025-06-15T18:45:18.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"236XX","tags":null,"has_narrative":true,"complaint_id":"14088600","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"VIRGINIA HOUSING DEVELOPMENT AUTHORITY","date_received":"2025-06-15T18:28:30.000Z","state":"VA","company_public_response":null,"sub_issue":"An existing modification, forbearance plan, short sale, or other loss mitigation relief"},"highlight":{"complaint_what_happened":["* On or before XX/XX/XXXX, if the above is accomplished, you are <em>required</em> to contact VHDA in which a brief financial review will occur to ensure the Loan Modification. \nXX/XX/XXXX XXXX XXXXXXXX XXXX  The Loan Modification pertains to the mortgage loan indicated in this letter. If you have a VHDA second mortgage, this agreement does not affect that account. You are <em>required</em> to continue to <em>remit</em> schedule <em>payments</em> on the second mortgage."]},"sort":[11.438817,"14088600"]},{"_index":"complaint-public-v1","_id":"3315277","_score":10.985674,"_source":{"product":"Mortgage","complaint_what_happened":"I continue to be very dissatisfied with Mr. Coopers handling of escrow waiver process. The reasons are : 1. Terms of the original XXXX XXXX dated XX/XX/XXXX predates XX/XX/XXXX, when Consumer Financial Protection Bureau finalized Truth in Lending Act. The escrow requirement was twelve months prior to XX/XX/XXXX. I have never made a late payment in nine years and one month. \n2. Mr. Cooper has not sent a written instruction for escrow waiver in three business days as required by 15 USC Chapter 41, Subchapter I ; Consumer Credit Cost Disclosure, Chapter 41 Consumer Credit Protection. Mortgagees written and verbal requests dated as far back as XX/XX/XXXX and filed under NYS  XXXX case # XXXX and XXXX are acknowledged but offering a clear pathway to complete the escrow waiver process. The letter arrived on Saturday, XX/XX/XXXX could not have never been sent on the letter date, XX/XX/XXXX. USPS first class is expected to arrive in 1-3 business days1. The letter does not meet the instruction requirement under the Act. \nFurthermore, the letter imposes state unreasonable condition on the mortgagee and is inconsistent to phone instruction provided on XX/XX/XXXX by XXXX, the manager. I was told verbally that I could remit escrow balance and mortgage payment in a single payment to anyone in the call center. If call center refuses, I would be able to reach out to her department to complete the waiver and payment. Rather than responding to emails on XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and phone call on XX/XX/XXXX, Mr. Cooper opted to have you ( XXXX ) send a letter to state the draconian new compliance condition. \nThis newest hurdle is consistent with tactics used previously to delay escrow waiver. The never ending loop to ensure that mortgagees will not meet escrow waiver conditions is intentional. \nThe new hurdles included three components : 1. Refuse to accept my payment for {$3600.00} on Mr. Coopers payment system or via phone. This amount is equal to escrow balance + mortgage. As result of its refusal, I had to make payment for XX/XX/XXXX using my banks online payment system, which took two days to process, after Mr .\n\nCooper rejected it initially. The payment sat unapplied in Mr. Coopers account. Mr. Cooper has also assessed a late payment penalty. \n2. Claiming that I owe {$4500.00}, including {$620.00} and XX/XX/XXXX mortgage and escrow payment of {$3800.00} is a new condition. I dont know of any loan that requires overpayment of this magnitude ( 6 times the disputed amount ) before one can settle a term modification. The revised instruction also contracts with verbal instruction given on XX/XX/XXXX. \n1 XXXX XXXX XXXX 3. No evidence exists on Consumer Financial Protection Bureau website or in Dodd-Frank Act Title XIV to show that a seven to ten days waiting period is required by applicable law. \nPrior Mr. Coopers efforts included the following : 1. Prepaying my hazard insurance ahead of normal schedule honored in previous years by Mr .\n\nCooper or its predecessor, XXXX. As result, the prepayment put my escrow account in deficit, a condition to refuse waiver request. \n2. Stating my property is a two family. XXXX XXXX terms from the original XXXX mortgage dated XX/XX/XXXX did not impose the 2-4 family rule. \n3. Failed to provide escrow waiver disclosure in writing and in three business days. \n3. Mr. Cooper inappropriately applied XXXX XXXX and Truth in Lending Act. They do not make escrow a mandatory requirement once the following conditions are met by the mortgagee : 1. Financially qualified. I have made payment on time for nine years and one month consecutively, even during XX/XX/XXXX when I entered this dispute with Mr. Cooper. This month, Mr. Coopers tactic instigated the XX/XX/XXXX penalty. \n2. Debt to equity ratio surpassed minimal requirement. The initially balance in XX/XX/XXXX was {$600000.00}, debt to equity ratio of 76 % of equity. It is currently {$470000.00} or 61 % of equity. \n3. Not a high-priced mortgage in XX/XX/XXXX, XX/XX/XXXX ( loan mod reduced the rate to 3.65 % ) or XX/XX/XXXX. \n4. Not a jumbo loan in XXXX County in XX/XX/XXXX,XX/XX/XXXX, or XX/XX/XXXX. See # 3 ( 2 ) for initial balance. \n5. The loan is a 30-year fixed mortgage. Balloon payment term is not applicable. \n6. Surpassed escrow account period requirement under pre and post Truth in Lending Act, one year for before or five years for after. XXXX XXXX does allow mortgagee to waive escrow. \n4. Expected outcome 1. {$3600.00} in Mr. Coopers possession should be applied immediately to fund escrow balance and XX/XX/XXXX mortgage payment. \n2. Remove late payment penalty assessed on XX/XX/XXXX. \n3. Mortgagee credit history remained intact, with no report of late payment or penalty. \n4. XX/XX/XXXX and future statements show mortgage only, {$3000.00} per month. \n5. Implement escrow waiver disclosure in three business days as required under applicable law. \nCall Centers verbal response that the case to research is in violation of Truth in Lending Act. \nThis is reported to XXXX XXXX and Consumer Financial Protection Bureau as of XX/XX/XXXX. \n6. All future written correspondence must be also sent electronically on the letter date. The envelop must include a date stamp, no pre-sorted postage. After months of dealing with Mr .\n\nCooper, I have sufficient evidence to make the claim that letters are not sent on letter date. \nMr. Cooper needs to own its back offices unprofessional behavior so the front line trying to do the right thing are side swiped.","date_sent_to_company":"2019-07-24T18:31:22.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"11216","tags":null,"has_narrative":true,"complaint_id":"3315277","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2019-07-23T10:39:05.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX XXXX <em>terms</em> from the original XXXX mortgage dated XX/XX/XXXX did not impose the 2-4 family rule. \n3. <em>Failed</em> to provide escrow waiver disclosure in writing and in three business days. \n3. Mr. Cooper inappropriately applied XXXX XXXX and Truth in Lending Act. They do not make escrow a mandatory requirement once the following conditions are met by the mortgagee : 1. Financially qualified."],"issue":["Trouble during <em>payment</em> process"]},"sort":[10.985674,"3315277"]},{"_index":"complaint-public-v1","_id":"7941874","_score":10.899678,"_source":{"product":"Credit card","complaint_what_happened":"I have disputed my account balance since XX/XX/2023, during which time Synchrony has done an abysmal job of communicating clearly. Because of their failure to make themselves understood, this dispute has gone on far too long and has become far too complicated, particularly given the small amount in controversy. \n\nSince the last time I used the account for a purchase, in around XX/XX/2023, my minimum monthly payment had been {$190.00}. \n\nOn XX/XX/2023, I paid ( via my bank account, as usual ) {$190.00} toward my next regular monthly minimum payment. Even after several days, the payment had not posted to my account, so I sent a message on XX/XX/2023, to advise of a potential problem with the payment. \n\nSynchrony issued a temporary credit of {$190.00} while it investigated the missing payment, which within the next few days apparently was processed and was posted. At that point, they reversed the credit and debited my account {$190.00} to offset it. This brought us even. It was a wash. Synchrony received the amount duein a timely fashion, I addand the temporary credit was reversed. That should have been the end of this. \n\nOn XX/XX/2023, I became aware that my minimum monthly payment had increased by {$35.00} to {$220.00}. My account statement dated XX/XX/2023, gave no explanation for this increase. There was no late payment fee listednor should there have been because my account was current at all times. The only transactions on the statement were those that I have already described. \n\nI wrote back that day to request an explanation for this increase. In what has become an agonizingly consistent theme, the reply ( from XXXX XXXX. ) was utterly incoherent : Please note that the minimum payment due will increase on your account when there is a late payment or interest charge. Our records indicate the transaction made on XX/XX/2023, XX/XX/2023 in the amount of {$8100.00} ad {$7100.00} was placed on an Fixed Payment promotion which means you will be charge [ sic ] interest at a lower rate of 9.99 %. \n\nThat gibberish, of course, failed to provide any explanation for the payment increase, so I replied, in an increasingly angry fashion, to demand a response that actually made sense. XXXX XXXX wrote back, listing the transactions Ive already described here and saying, [ We ] have charge [ sic ] back total of {$190.00} on XX/XX/2023 to offset the temporary credit that we have applied. This charge back was considered standard balance that cause [ sic ] your minimum payment to increase [ emphasis added ]. \n\nThat language quite literally enraged me ; the chargeback was a wash that shouldnt have affected my minimum payment. Not even by a XXXX. XXXX replied that Synchrony would investigate the matter and advise me when theyhad reached a conclusion. This was on XX/XX/2023, the same day that I did precisely what I was required to do under the terms of our agreement : remit the undisputed balance due of {$190.00}. \n\nOn XX/XX/2023, I wrote back, angrier still, because a more-than-adequate time for such a simple matter to be resolved had transpired with no explanation for the increased payment. XXXX XXXX replied to indicate that Synchrony needed an additional XXXX to 14 days. \n\nOn XX/XX/2023, I became aware that Synchrony had charged me a late fee of {$30.00}, and I demanded that they reverse that charge immediately consistent with the terms of the credit card agreement. They acceded to that demand, and XXXX XXXX replied that, now, theyd need as much as 60 days to resolve the matter. \n\nOn XX/XX/XXXX, I saw that Synchrony had, once again, incorrectly calculated my minimum payment, charging me {$220.00}. I wrote immediately to contest the increase and to advise that I would only be paying the undisputed amount of {$190.00}. I received a reply from XXXX XXXX that was nothing but boilerplate ; I dont even grace it with the term reply because it did nothing more than to evidence that XXXX hadnt even read my message. \n\nThe response to my e-mail complaint about her unresponsivenessthis time from XXXX XXXX an apology that the response could not be more favorable. Once again, this was not responsive, and I expressed that fact in a reply stating that the problem was not an unfavorable response, but no response at all. More gibberish from XXXX prompted a demand that the matter be escalated to a supervisor immediately. \n\nThat never happened. The next event was me becoming aware on XX/XX/XXXX, that Synchrony had imposed another late fee, this time ( inexplicably ) in the seemingly arbitrary amount of {$41.00}. I wrote to complain about the fee and the long delay in the resolution of the matter, demanding that the fee be reversed ; XXXX XXXX responded shortly thereafter. She said that the investigation had concluded and that she was attaching the resolution letter previously sent to you. She did not attach anything, nor had I previously received anything. She also refused to refund the late fee. I demanded a refund and an explanation of Synchronys conclusions by the close of business on XX/XX/2023, indicating that I would take appropriate legal action if they failed to respond. \n\nOn XX/XX/2023, XXXX XXXX wrote that the late fee was being refunded As a courtesy. She also attached the resolution letter referenced by XXXX. It was dated XX/XX/2023, yet I was seeing it for the first time. That hardly matters, though, because ( as seems typical ) the letter offered no resolution : Your payment has been applied to your account balance as requested. The change will be shown on your next billing statement. What does that even mean? What about the minimum payment increase and the amount allegedly past due? Not a word of explanation. \n\nI replied that, because Synchrony had failed to provide an explanation by the close of business on XX/XX/2023, I would file this complaint on the morning of Monday, XX/XX/2023. Over the course of the weekend, I received a message from XXXX stating that the matter was being escalated to the corporate office, which would contact me within 7 to 14 days.","date_sent_to_company":"2023-12-04T11:05:00.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"15217","tags":null,"has_narrative":true,"complaint_id":"7941874","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-12-04T10:58:33.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["This was on XX/XX/2023, the same day that I did precisely what I was <em>required</em> to do under the <em>terms</em> of our agreement : <em>remit</em> the undisputed balance due of {$190.00}. \n\nOn XX/XX/2023, I wrote back, angrier still, because a more-than-adequate time for such a simple matter to be resolved had transpired with no explanation for the increased <em>payment</em>. XXXX XXXX replied to indicate that Synchrony needed an additional XXXX to 14 days."]},"sort":[10.899678,"7941874"]},{"_index":"complaint-public-v1","_id":"10937203","_score":10.205338,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX To Whom It May Concern : Regarding : XXXX XXXX I am making a very serious complaint that I need escalated. XXXX XXXX is acting in bad faith to the highest extent with my home loan. I am going to summarize tthe main issue. I was finally approved for a XXXX XXXX for a loan modification. On XX/XX/XXXX, I received the XXXX XXXX XXXX. I was approved for a XXXX ( XXXX XXXXXXXX XXXX ). Which states, some of the amounts you currently owe will be moved into a new, interest-free junior lien payable to the United States of America XXXX XXXX the XXXX XXXX XXXX XXXX These amounts will no longer be part of your existing first mortgage and wont be due until your existing mortgage/deed of trust is paid off, matures or until you sell your home. This is done to keep my payments from increasing. \nThen it states this : To accept and complete this XXXX XXXX XXXX, follow the steps outlined below. \nStep XXXX : Contact Us or Send Your XXXX XXXX XXXX Plan Payment to Accept this Offer You must do XXXX of these by XX/XX/XXXX : Contact us by phone or in writing to let us know if you intend to accept this offer ; OR Send your first trial period plan payment of {$700.00} to accept this offer. \nSo XXXX XXXXXXXX XXXX is for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX in the amount of {$700.00}. One thing I want to include here, I did not get a lower payment, they actually increased my payment a month. After telling me I couldn't afford the payment. I thought a loan modification was supposed to help you continue making payments by lowering it, not making it even more a month. But I did not complain, I knew I could make the payments. \nNot one time did anyone tell me I could not make my payments early. This is going to be the main issue to come so remember this. So I had to make the XXXX payment by XX/XX/XXXX to accept the deal. I made the first payment on XX/XX/XXXX in the amount of {$700.00}. As soon as I paid the XXXX payment, the website immediately said the next month due was XX/XX/XXXX. On XX/XX/XXXX, I paid for the XXXX payment and on XX/XX/XXXX, I paid the final payment for XXXX. Once that oayment was made, the website said \" XXXX XXXX XXXX ''. The following day I called to verify they had everything. I was told I have done everything needed, I was just waiting on the documents to generate.From XX/XX/XXXX till XX/XX/XXXX, that is the exact same response I got each time. Nothing more for me to do. \nBefore I get to XX/XX/XXXX, around XX/XX/XXXX when I spoke to them, all of a sudden they started asking me if I wanted to make that last payment for XXXX had to keep telling them this was already taken care of months ago. They actually updated the website to show I still owed for XXXX. Each time I corrected them, they clearly didn't fix anything. Every call I received following that first XXXX, every XXXX of them was asking if I was calling in to pay. \n\nOn XX/XX/XXXX I received a loan modification denial. \nDear XXXX XXXX : This is an important notice regarding your mortgage assistance offer. \nYou were previously evaluated for and offered a XXXX XXXX XXXX. The terms of that XXXX required that you remit payments by the required due dates in order to qualify for a permanent loan modification. Unfortunately, we are unable to offer you a permanent loan modification because you failed to complete the plan. \nPlease contact us if you would like to discuss other loss mitigation solutions that may be available to you. \nIf you have any questions, your Dedicated Loan XXXX is XXXX XXXX and can be reached at ( XXXX ) XXXX Sincerely, XXXX XXXX So I was sweriously denied for paying early. My XXXX XXXX XXXX XXXX XXXX, knew when I made these payments. From the day I made the last payment, XX/XX/XXXX, all the way till the denial, no one even mentioned this. We could of easily fixed it. Not that it should matter anyway. XXXX XXXX of the XXXX XXXX was to establish that I could make those XXXX consecutive payments, which I did. The same amount of money was paid in a short period rather than over XXXX months. This was a simple mistake, and a very fixable one at that. Even though it's the most ridicolous reason Ive ever heard. Here is what the agreement states will fail the modification. \nWhat Will Cause Your XXXX XXXX XXXX to Fail? \nYou do not make a scheduled XXXX XXXX XXXX payment by the last day of the month the payment is due; or You vacate or abandon the XXXX XXXX it tells you what will happen if you don't make payments, which is understandable. Notice there isn't anything about making payments early failing you. I was assigned a XXXX XXXX XXXX XXXX XXXX, I don't know why. I called and asked for her countless times and the people answering the phone would say \" Let 's see if I can help ''. I spoke to that girl maybe twice. When I finally spoke to her about this, she even apologized for not being avaliable and for not reaching out after I made that last payment. The website said \" XXXX XXXX XXXX '' for several months. I did just that. The agreement states this was the next step. \nThe XXXX will be effective after : You have successfully completed your XXXX XXXX XXXX ; You have properly signed and submitted your XXXX  Documents ; AND We have returned a fully executed copy of the XXXX Documents to you. \nThey would not work with me on this at all. The girl I was talking to told me we can just start this again, because \" we know this time what NOT to do ''. She also said I was already approved, so the process should be quicker. During this time, I read online about an appeal process for a loan modification. It stated that another person would look over my situation. I called them and asked them why I was not made made aware of the appeal process and I was told \" there is no appealing that decision ''. I told her I know for a fact I am allowed XXXX  days to file the appeal, but for some reason, no one mentioned that to me. I was also lied to, directly to my face about it. That is bad faith, predatory lending, probably several other things. \nFor now, let 's just go on to the second attempt. I did NOT get a denial letter, nor is there XXXX posted on my account. I called and talked to someone and this is what was said. \" I didn't make enough to make the payment ''. I told her \" I already proved I could, why am I not being allowed to do the XXXX XXXX XXXX? '' Now I'll be honest, at first I totally didn't realize they did this. It was later on after I read about bad faith and predatory lending that it clicked. She said \" the amount due would have to be rolled into the total, making your monthly payment higher, in which you could not afford ''. I did not catch this at first, they changed the terms this time just to deny me. \nThe XXXX did not raise the payment. They can't change the terms like that. That is beyond illegal. This second attempt should not have had to happen anyway. I completed the first trial plan. They are not working with me at all. I make more money now than I ever have, I do not have money issues anymore. The entire reason this happened was due to me having XXXX surgeries on my spibne, back to back. I couldn't do anything about that. I was denied literally every program ever made. \nThey slipped up on the phone and said this house was worth {$210000.00} now. I paid {$110000.00} for it. This is the only time I have ever needed assistance. XXXX XXXX needs to be investigated for this. I read online they are well known for their handling of loan modifications. All I want is for them to honor the first trial plan. This is my home, my XXXX dogs are buried here. They will never have to worry about me missing a payment again. I thought I was making myself look better paying early. It sure didn't cross my mind it would cost me my house. If they try to foreclose on my house, I am going to sue them for everything I can. \nThank You, XXXX XXXX ( XXXX ) XXXX Loan # XXXX","date_sent_to_company":"2024-11-26T18:09:56.000Z","issue":"Struggling to pay mortgage","sub_product":"USDA mortgage","zip_code":"261XX","tags":null,"has_narrative":true,"complaint_id":"10937203","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2024-11-26T17:56:18.000Z","state":"WV","company_public_response":null,"sub_issue":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu"},"highlight":{"complaint_what_happened":["The <em>terms</em> of that XXXX <em>required</em> that you <em>remit</em> <em>payments</em> by the <em>required</em> due dates in order to qualify for a permanent loan modification. Unfortunately, we are unable to offer you a permanent loan modification because you <em>failed</em> to complete the plan. \nPlease contact us if you would like to discuss other loss mitigation solutions that may be available to you."]},"sort":[10.205338,"10937203"]},{"_index":"complaint-public-v1","_id":"8132145","_score":9.96147,"_source":{"product":"Debt collection","complaint_what_happened":"COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXXXXXX XXXX XXXX TOLL FREE : ( XXXX ) XXXX MONDAY-FRIDAY XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original Creditor : XXXX Placed for collections on : XX/XX/XXXX Original Principal : {$4500.00} Current Principal : {$4500.00} Interest Due : {$48.00} Total Due : {$4500.00} XXXX XXXX XXXX XXXX As you may be aware, your account is past due. As a reminder regarding your balance, we request you choose one of the following : Mail the past-due amount today to the above address.\n\nMail a post-dated check today dated for any date this month that funds will be available.\n\nContact the undersigned account representative so satisfactory arrangements can be made.\n\nYour attention to this matter is important to avoid further collection efforts. If payment has already been remitted, please call and notify your account representative promptly upon receipt of this notice.\n\n*To make a payment or setup a payment plan, go to https : //payments.genesiscred.com.\n\nSincerely, COLUMBIA DEBT RECOVERY LLC DBA GENESIS ( XXXX ) XXXX This is an attempt to collect a debt. Any information will be used for that purpose. As of the date of this letter you owe the amount stated above. Your account bears interest at 7.00 % percent per annum. Because interest and other charges vary from day to day, please contact us to learn the exact amount you owe as of the date of your payment. \n\n\n\nColumbia Debt Recovery LLC DBA Genesis State Disclosures TO ALL CONSUMERS Notice about Electronic Check Conversion : When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment and you will not receive your check back from your financial institution. Also, you authorize us to represent a check as an electronic fund transfer from your account if your payment is returned unpaid.\n\nPlease be aware of the following rights. This list does not contain a complete list of the rights consumers have under state and federal law.\n\nCalifornia Residents : The state Rosenthal Fair Debt Collection Practices Act, and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX XXXX  or after XXXX XXXX They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or http : //www.ftc.gov/. \n\nAs required by law, you are hereby notified that a negative credit agency report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. \n\nColorado Residents : The Colorado office of Columbia Debt Recovery is located at XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, telephone ( XXXX ) XXXX. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW : //COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/. A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt. \n\nMinnesota Residents : This collection agency is licensed by the Minnesota Department of Commerce. \n\nMaine Residents : Hours of XXXX : M-F XXXX XXXX PDT ; Call toll free ( XXXX ) XXXX. \n\nNew York : Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C.\n\n1692 et seq., are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to : the use or threat of violence ; ( ii ) the use of obscene or profane language; and ( iii ) repeated phone calls made with the intent to annoy, abuse, or harass. If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt:1. Supplemental security income, ( SSI ) ; 2. Social security ; 3. Public assistance ( welfare ) ; 4. Spousal support, maintenance ( alimony ) or child support ; 5.","date_sent_to_company":"2024-01-12T16:32:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"92571","tags":null,"has_narrative":true,"complaint_id":"8132145","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2024-01-10T00:29:03.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["As <em>required</em> by law, you are hereby notified that a negative credit agency report reflecting on your credit record may be submitted to a credit reporting agency if you <em>fail</em> to fulfill the <em>terms</em> of your credit obligations. \n\nColorado Residents : The Colorado office of Columbia Debt Recovery is located at XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, telephone ( XXXX ) XXXX."]},"sort":[9.96147,"8132145"]},{"_index":"complaint-public-v1","_id":"3733841","_score":9.239716,"_source":{"product":"Checking or savings account","complaint_what_happened":"Consumer Financial Protection Bureau, Please allow this statement to serve as a factual recollection of the events and circumstances that transpired in or around XX/XX/XXXX and involved a demand deposit account ( DDA ) that I had with BB & T Bank ( Now called Truist Bank by Merger and Acquisition with Suntrust Bank ) - opened in or around XX/XX/XXXX. This checking account was the principal transaction account that I used to receive direct deposits from my W-2 employer, XXXX XXXX XXXX   XXXX XXXX, and to receive deposits and conduct withdrawals for both personal expenses and expenses associated with my side-gig, an XXXX XXXX. \n\nUp until the events that lead to the involuntary account closure of my account by BB & T, I did not have any issues or concerns with the services or products they provided to me as a customer. \n\nIn or around late XX/XX/XXXX, I applied for the Small Business Administration 's Economic Injury Advance after Congress replenished funding, so that the SBA may consider and process applicants from industries other than Agricultural. As an XXXX  XXXX who received compensation from private individuals and businesses for XXXX XXXX XXXX, I qualified to apply for this advance via the SBA 's COVID-19 portal. I applied for the advance and was notified via an alert from BB & T Bank on XX/XX/XXXX that a direct deposit in my name, XXXX XXXX XXXX, was received from the Small Business Administration 's Disaster Team ( SBAD ) for {$10000.00} dollars. This advance is authorized under legislation passed by Congress and signed by President Trump for contractors/small businesses experiencing financial hardship as a result of the COVID-19 Public Health Crisis. \n\nLike other similarly situated citizens, I have suffered financially from the COVID-19 crisis and the reduction in revenue due to Stay at Home orders and social distancing led to a significant decline in business and profit. As a result, I had fallen significantly behind on paying vendors for parts, making forbearance arrangements with creditors, and having to negotiate a partial payment plan with my landlord in order to ensure that once the eviction moratorium was lifted, I wouldn't be subject to eviction proceedings. I promptly sent {$800.00} to my roommate in ( 2 ) {$400.00} debit card transactions sent via XXXX XXXX 's \" XXXX XXXX '' and {$2000.00} dollars via the same format to my landlord the morning of XX/XX/XXXX. \n\nLater that afternoon, once I had left my part-time W2 position at a local XXXX XXXX I decided to go to the local branch of BB & T in XXXX, Florida ( where I had also opened my account and where I have historically conducted my financial business ) to make a withdrawal of {$6000.00} dollars to pay my outstanding invoices with automotive parts vendors like XXXX and XXXX - as well as to pay some personal expenses and catch up on utility payments. \n\nMy interaction with bank staff at the local branch was uneasy and I felt that the staff at the Teller station did not accord me with the respect one would expect as a customer. I had not yet gone home when I went to the local branch and so, I was dirty and so were my clothes. At the time I requested the {$6000.00} dollar withdrawal, the teller gave me a look as if there was no way the money I had an account was mine and she and the head teller proceeded to call the bank manager. Now, the bank manager was someone whom I have interacted with in the past and whom I thought had more than just a passing familiarity with me as we have spoken about other financial products in the past.\n\nNow, per Section 6 of the Deposit Account Agreement ( or Banking Services Agreement ), it states the following : We require prior notice for large cash withdrawals. We can refuse an order to withdraw funds in cash or to cash an item if we believe that the request is a security risk or possesses a hardship on the Bank. We may require you to accept an Official Check or electronic transfer to receive the funds. If we agree to a large cash withdrawal, you may be required to employ a courier service acceptable to us and at your risk and expense. If a large cash withdrawal is completed at a branch you will be required to sign a cash withdrawal agreement. Refusal to sign the agreement is grounds for us to revoke the cash withdrawal and require an alternate delivery for the funds. \n\nAt no point did the branch require me to make a request in advance nor did the branch indicate to me that they would be unable or the had security concerns in processing my request ( assuming {$6000.00} dollars is a large cash withdrawal - the banking services agreement which is binding on both myself and BB & T does not provide a dollar amount or range that constitutes or otherwise could be defined as a large cash withdrawal ). \n\nAt that point, the bank manager, XXXX XXXX, proceeded to interrogate me and asked me if I owned   a business. I explained that, in addition to my part-time work as a W-2 employee for the XXXX XXXX, I was also an 1099 XXXX  XXXX for various local businesses, providing XXXX   XXXX XXXX on an as-needed, per-job basis. I explained that I applied for a Small Business Administration advance as the legislation passed by Congress funding the Economic Injury Advance due to COVID-19 specifically authorized individuals like myself, an XXXX XXXX to apply and participate in the Disaster Recovery Program. \n\nIf that constitutes \" XXXX XXXX XXXX XXXX '', then yes, perhaps that meets the definition. However, I have been told that a business account is unnecessary since the majority of my income is not considered consistent ( I have weeks and months of good and bad business ) and therefore, non-employee compensation as shown on a 1099 does not constitute business income within the usual and customary meaning of owning your own business. \n\nIt was at this point that I believe branch staff and the branch manager discriminated against me by failing to fulfill the withdrawal request and it was there actions that caused the account to be restricted and quickly closed thereafter. I felt that I was discriminated against due to being a low-income accountholder. I was never able to transact in that account again, my payroll direct deposit posted the following day thankfully, but as of XX/XX/XXXX, I was informed that my account is officially closed to both credits and debits. \n\nBB & T failed to adhere to its obligations under Section 8 of the Banking Services Agreement titled \" Right to Close Account '', in which it states : You or the Bank may close your account with or without cause at any time. We shall give you either oral or written ( includes electronic ) notice of our intention to close the account. If given in writing, the notice will be sent to your address or e-mail shown on our records. In the case of oral notice, you shall have five ( 5 ) days from the date of notice to close the account. In the case of written notice, you shall have seven ( 7 ) days from the date appearing on the notice to close the account. Upon notice, you must stop conducting transactions on your account. We shall not be liable for dishonoring any items initiated after the date of the notice. In the event that you have not closed your account, ****we will close the account and mail you a check for the remaining balance in the account after deducting any applicable fees and charges. *** Closing the account does not release you from the payment of accrued fees or liability for items in process. The Bank may in its discretion close your account without prior notice if the account has a XXXX  or negative balance, or if we believe it necessary to protect the bank, its employees or others from risk, harm or loss. Any waiver by the Bank of its right to close an account for cause shall not be a waiver of our right at a later time to close your account for the same or similar reasons. We reserve the right to reject any deposit that is made to a closed account by returning the item or by crediting the item to another active account of yours.\n\nSection 8 further states : ** We reserve this right notwithstanding that the deposit may have been processed and/or that you were given a receipt for the deposit. The deposit receipt shall not constitute acceptance of funds in such instance and we shall have no liability for any items returned unpaid which are drawn on a closed account even if you attempt to make a deposit to the account. ** BB & T is not likely to return the deposit, issued to me in my name by a government agency, as doing so would create a roughly {$2000.00} dollar liability for them since their ability to collect a debt caused by their failure to conduct quality due diligence and exercising ordinary care in the handling of my account prejudices their ability to collect any deficiency balance. \n\nFurthermore, Section 12 establishes standards of care that both the accountholder, me, and the bank, BB & T, must adhere to in order to avoid liability for loss of funds. I have exercised ordinary care and have fulfilled all duties as listed including Duty to Safeguard, Duty to Cooperate, Duty to Review Account Statement, and Duty of Care. \n\nBB & T failed in its responsibilities to adhere to these same duties when its branch staff discriminated against me, as a low-income accountholder, in failing to complete the withdrawal transaction as requested by me. \n\nI want to make sure that the balance of the account, {$8100.00} as of XX/XX/XXXX, is remitted back to me promptly. BB & T Bank should not be permitted to unjustly enrich themselves by retaining funds that do not belong to them ( the funds were remitted to my account in my name ). Once BB & T verifies and confirms legal ownership of the direct deposits, both my payroll and the SBA advance - per the deposit account agreement, BB & T is required to remit those funds via certified check to me. \n\nAttached this complaint, you will find the following : ( 1 ) BB & T 's Banking Services Agreement, which both BB & T and I have agreed to be contractually bound and the terms of which we both have agreed to comply with, ( 2 ) Screenshot of my Account Balance after I was refused my withdrawal request ( They attempted to return the deposit, but were unsuccessful because the SBA Advance Deposit was in my name ) ( 3 ) Screenshot of my Account Balance as of XX/XX/XXXX - showing the deposit was credited back, but no indication that the account was closed until I called BB & T 's customer service.\n\n( 4 ) Screenshot of the Direct Deposit from the SBA showing me as the payee/beneficiary and dollar amount ( {$10000.00} ).\n\n( 5 ) Screenshot of my payroll Direct Deposit, again showing me as the payee/beneficiary.","date_sent_to_company":"2020-07-07T21:50:20.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"33606","tags":null,"has_narrative":true,"complaint_id":"3733841","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2020-07-07T20:17:44.000Z","state":"FL","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["BB & T Bank should not be permitted to unjustly enrich themselves by retaining funds that do not belong to them ( the funds were <em>remitted</em> to my account in my name ). Once BB & T verifies and confirms legal ownership of the direct deposits, both my payroll and the SBA advance - per the deposit account agreement, BB & T is <em>required</em> to <em>remit</em> those funds via certified check to me."]},"sort":[9.239716,"3733841"]},{"_index":"complaint-public-v1","_id":"12258102","_score":9.093658,"_source":{"product":"Debt collection","complaint_what_happened":"The company emailed me multiple suspect emails, as below - I havne't been involved in any such applciation Fri, XX/XX/XXXX, XXXX Monterey Financial Services , LLC has received a request from XXXX XXXX XXXX XXXX XXXX XXXX credit application for ******. As such, we have facilitated an inquiry to XXXX on XXXX XXXX XXXX 's behalf. If you feel this was not agreed upon, or done so in error, please advise Monterey Financial Services, LLC right away, our toll free number is XXXX or via email XXXX. \n\nThe below application disclosures were presented to you by XXXX XXXX XXXX when application information was gathered, we are providing a copy of those disclosures for your record. \n\nApplication Disclosures : To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you : When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver 's license or other identifying documents.\n\nYou hereby acknowledge that you are over the age of XXXX ( XXXX ) years, and that all of the information set forth in the credit statement is true, accurate, full and complete disclosure thereof. You are providing verbal consent under the Fair Credit Reporting Act for us and our affiliates, agents, successors, assigns and service providers with whom you are matched to obtain a consumer credit report from a contracted credit bureau. You understand that you are submitting an application for credit, and are consenting to the use of your credit report information. You authorize the holder of this application to verify all data contained in said application, using validation services thru third party vendors. By providing your email address, you consent to receive electronic information. You also acknowledge that we and our partners may use all contact information provided to contact you regarding your application. You acknowledge that we and our affiliates, agents, successors, assigns and service providers may monitor or record all calls to and from their office. You agree that we and our affiliates, agents, successors, assigns and service providers may use any email address or telephone number you provide, now or in the future, including a number for a cellular phone or other wireless device, regardless of whether you incur charges as a result.\n\nNOTICE TO CALIFORNIA CUSTOMERS : A married applicant may apply for a separate account.\n\nNOTICE TO OHIO CUSTOMERS : The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.\n\nNOTICE TO NEW YORK CUSTOMERS : In connection with your application for credit, a consumer report may be obtained which contains information on your credit worthiness, credit standing, credit capacity and general reputation. If you request, you will be informed whether a consumer report was obtained and if so, you will be given the name and address of the consumer reporting agency which furnished the report. If your application is granted, subsequent consumer reports may be obtained in connection with any update, extension or renewal of credit.\n\nNOTICE TO RHODE ISLAND CUSTOMERS : Consumer reports may be requested in connection with this application.\n\nNOTICE TO VERMONT CUSTOMERS : If an account is created, I authorize the obtaining of credit reports for purposes of reviewing or taking collection action on the account or for other legitimate purposes associated with the account.\n\nNOTICE TO WISCONSIN CUSTOMERS : The interest of the creditor will not be adversely affected by a provision of a marital property agreement, a unilateral statement under Wisconsin Statutes 766.59 or a court decree under Wisconsin Statutes 766.70, unless you furnish a copy of such agreement, statement or decree to the creditor, or the creditor has actual knowledge of such provision before credit is granted. \n\n\nFri, XX/XX/XXXX, XXXX Congratulations on your decision to purchase with XXXX XXXX XXXX XXXX We are excited to offer you the ability to electronically sign your financing agreement. The process to execute your agreement is quite simple and will only take a couple minutes. The following confirmation code will be needed : XXXX. Please click on This XXXX and complete the required steps. \n\nIf at any time you require assistance with this process, please feel free to let us know, we can be reached via email XXXX or by phone ( XXXX ) XXXX. \n\nWelcome to the XXXX XXXX XXXX family! \n\nMonterey Financial Services, LLC XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Toll Free from XXXX : XXXX Monterey Financial Services | Monterey Loan Servicing | Monterey Collections Thursday, XX/XX/XXXX, XXXX XX/XX/year> XXXX XXXX FM XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX has assigned your account to Monterey Financial Services , LLC . As authorized, we have set up your account for debits of {$200.00} from a credit card ending in XXXX each month on your due date. If you have any recent changes, or anticipate any changes with this banking relationships please give us as much advance notice as possible. If you would like to make additional payments, you can do so thru our website or you can mail in payments to the following address please ensure to include your account number. \n\n\n\nMonterey Financial Services, LLC. \n\npo box XXXX XXXX, CA XXXX The following is a statement of your account. If you have any questions, or feel the below information does not accurately reflect the status of your account, please give us a call. \n\n\n\nNew Account Number : XXXX Balance : XXXX Late Charges : XXXX Monthly Payment : XXXX Next Payment Due : XX/XX/year> Amount Currently Due : XXXX Interest Free Repayment Amount : XXXX Interest Free Repayment Option Expiration Date : XX/XX/year> Per the terms of your agreement, your account XXXX qualify for an Interest Free Repayment Option if paid in full by the expiration date and all payments are paid on time and no payments are returned to our office for any reason. To take advantage of this offer, and avoid paying interest charges, simply remit the XXXX XXXX Repayment amount above, prior to the expiration date provided. \n\n\n\nRegards, XXXX XXXX Customer Service Department If at any time this account falls past due, you will be expected to make payment pursuant to your contractual liability in order to bring the account current. As required by law, you are hereby notified that a negative credit report reflecting on your credit record XXXX be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.We highly recommend you visit our website https : //consumerportal.montereyfinancial.com to review the status of this account from time to time as delayed payments could impact your credit history. Our website also allows you to make a payment, sign up for automatic payments, receive payoff quotes or to review our optional Debt Protection Program. Our privacy policy is also available for your review at XXXX XXXX XXXXmontereyfinancialXXXX \n\n\n\nPlease note that if we dont receive notice from you within thirty ( 30 ) days of receipt of this notification that you are contesting the validity of this debt, or any portion of it, we will assume that the debt is valid. If you provide notice to us that you do not believe the debt is valid, or any portion of it, within the same period described above, we will send you verification of the debt or judgment. Also, if you send us a written request within the same period, we will provide you with the name and address of the original creditor, if different than the current creditor. Any communications concerning disputed debts, including an instrument tendered in full satisfaction of a debt, must be sent to Monterey Financial Services, LLC, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, California XXXX. All calls to and from this office XXXX be monitored or recorded.","date_sent_to_company":"2025-02-27T20:15:22.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"10019","tags":null,"has_narrative":true,"complaint_id":"12258102","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Monterey Financial Services LLC","date_received":"2025-02-27T19:51:46.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["As <em>required</em> by law, you are hereby notified that a negative credit report reflecting on your credit record XXXX be submitted to a credit reporting agency if you <em>fail</em> to fulfill the <em>terms</em> of your credit obligations.We highly recommend you visit our website https : //consumerportal.montereyfinancial.com to review the status of this account from time to time as delayed <em>payments</em> could impact your credit history."]},"sort":[9.093658,"12258102"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":39,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":39}]}},"product":{"doc_count":39,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":16,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":9},{"key":"FHA mortgage","doc_count":3},{"key":"Home equity loan or line of credit (HELOC)","doc_count":3},{"key":"USDA mortgage","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":10}]}},{"key":"Vehicle loan or lease","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":4}]}},{"key":"Credit card","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":3}]}},{"key":"Debt collection","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":1},{"key":"I do not know","doc_count":1},{"key":"Rental debt","doc_count":1}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payday loan","doc_count":1}]}},{"key":"Student loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":1}]}}]}},"issue":{"doc_count":39,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble during payment process","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":3},{"key":"Escrow, taxes, or insurance","doc_count":2},{"key":"Payment process","doc_count":2},{"key":"Lien release","doc_count":1}]}},{"key":"Improper use of your report","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":3},{"key":"Credit inquiries on your report that you don't recognize","doc_count":2}]}},{"key":"Incorrect information on your report","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":2},{"key":"Account status incorrect","doc_count":2}]}},{"key":"Struggling to pay mortgage","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"An existing modification, forbearance plan, short sale, or other loss mitigation relief","doc_count":1},{"key":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":2}]}},{"key":"Managing the loan or lease","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":2}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":2}]}},{"key":"Problem with a purchase shown on your statement","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":2}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Funds not received from closed account","doc_count":1}]}},{"key":"Dealing with your lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":1}]}},{"key":"False statements or representation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or misleading advertising or marketing","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":1}]}},{"key":"Problem with the payoff process at the end of the loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":39,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":38},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":39,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":31},{"key":"Closed with non-monetary relief","doc_count":5},{"key":"Closed with monetary relief","doc_count":3}]}},"submitted_via":{"doc_count":39,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":39}]}},"company":{"doc_count":39,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mr. Cooper Group Inc.","doc_count":4},{"key":"WELLS FARGO & COMPANY","doc_count":4},{"key":"Experian Information Solutions Inc.","doc_count":3},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":3},{"key":"Bridgecrest Acceptance Corporation","doc_count":2},{"key":"EQUIFAX, INC.","doc_count":2},{"key":"AES/PHEAA","doc_count":1},{"key":"AMERICAN EXPRESS COMPANY","doc_count":1},{"key":"Affirm Holdings, Inc","doc_count":1},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":1},{"key":"CITIBANK, N.A.","doc_count":1},{"key":"DISCOVER BANK","doc_count":1},{"key":"Fairway Independent Mortgage Corporation","doc_count":1},{"key":"Global Lending Services LLC","doc_count":1},{"key":"HYUNDAI CAPITAL AMERICA","doc_count":1},{"key":"JPMORGAN CHASE & CO.","doc_count":1},{"key":"Monterey Financial Services LLC","doc_count":1},{"key":"PNC Bank N.A.","doc_count":1},{"key":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","doc_count":1},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":1},{"key":"SYNCHRONY FINANCIAL","doc_count":1},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":1},{"key":"TD BANK US HOLDING COMPANY","doc_count":1},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":1},{"key":"Uprova Credit, LLC","doc_count":1},{"key":"VIRGINIA HOUSING DEVELOPMENT AUTHORITY","doc_count":1},{"key":"Westlake Services, LLC","doc_count":1}]}},"state":{"doc_count":39,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":7},{"key":"FL","doc_count":6},{"key":"OH","doc_count":5},{"key":"NY","doc_count":4},{"key":"PA","doc_count":3},{"key":"GA","doc_count":2},{"key":"IL","doc_count":2},{"key":"AL","doc_count":1},{"key":"KS","doc_count":1},{"key":"MI","doc_count":1},{"key":"MN","doc_count":1},{"key":"NH","doc_count":1},{"key":"TN","doc_count":1},{"key":"TX","doc_count":1},{"key":"VA","doc_count":1},{"key":"WA","doc_count":1},{"key":"WV","doc_count":1}]}},"company_public_response":{"doc_count":39,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":16},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":2}]}},"tags":{"doc_count":39,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":3},{"key":"Older American, Servicemember","doc_count":1},{"key":"Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[9.093658,"12258102"]}}}