{"took":758,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":56,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"1317339","_score":15.233943,"_source":{"product":"Bank account or service","complaint_what_happened":"I was defrauded by an individual who claimed he was purchasing a piece of furniture with me. He agreed to a purchase price of {$520.00}. He sent me a XXXX money order, which seemed fishy but possibly legitimate, for much too much money, XXXX money grams for {$930.00}, or {$1800.00} total. I communicated with him via SMS that i had received too much money, he stated that the extra was for the shipper, and he was having multiple items picked up. He requested that I take out the delta in cash and forward to the shipper via money order, whose name he sent me. This is where I was social engineered, and it retrospect it was not a smart move. \n\nI then *waited* for the money to show as \" settled '' in my checking account, which i did. I assumed that this meant the money was legitimately in my account and available for withdrawal. I took out XXXX {$1300.00} in cash and sent the guy a XXXX for that amount. \n\nThen, trying to arrange for pickup, on XXXX the buyer claimed that his child had gotten into an accident and he could n't buy the furniture anymore. I got extra suspicious, and checking out my Chase balance was alarmed to see that the funds from the original money orders were being reversed. So I know this was all a fraud from the beginning. \n\nI approached Chase 's fraud department to dispute the withdrawal, since they had cleared the money order funds. They referred me to their customer contract where they state they can \" withdraw any money from my account at any time for any reason '', which i told them was horrible customer service. \n\nThus my complaint. Chase Bank must see fraudulent money orders often, and should have protected me a long customer from this by NOT SETTLING FUNDS until they were cleared by XXXX -- like most credit cards would do automatically. I 'm quite upset!! In other words, do n't trust Chase with money orders that \" cleared '' actually means anything. Because it does n't.","date_sent_to_company":"2015-04-08T13:37:37.000Z","issue":"Deposits and withdrawals","sub_product":"Checking account","zip_code":"11238","tags":null,"has_narrative":true,"complaint_id":"1317339","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2015-04-06T17:54:45.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In other <em>words</em>, do n't trust Chase with money orders that \" cleared '' actually means anything. Because it does n't."]},"sort":[15.233943,"1317339"]},{"_index":"complaint-public-v1","_id":"1608921","_score":13.516039,"_source":{"product":"Student loan","complaint_what_happened":"I have been struggling to pay over {$150000.00} in student debt to Navient which at the time I took the loans in XXXX was Navient. I believe that XXXX XXXX XXXX now Navient XXXX had my university XXXX University XXXX XXXX XXXX push private student loans as the secondary way to bridge the financial gap to pay for my education. Grants and scholarships were not promoted as much as private student loans, which I was left with the impression was the only way to pay for school. \n\nSince graduation XX/XX/XXXX I have had to declare bankruptcy ( student loans were not discharged ) and have had to deal with the unprofessional and mistrustful corporation for the last decade. In the last 10 years I have never been given the same information twice from customer service reps. I have been told crazy things such as, \" do n't worry someone paid your loan off '' and promised low payment plans to \" help '' when all they do is compound insane amounts of interest and fees. I have paid over {$50000.00} to XXXX XXXX / Navient but my loans have still ballooned from {$130000.00} to {$150000.00}, making no headway. \n\nTheir XXXX number is outsourced to another country. The employees do not know what they are talking about and are hard to understand their broken XXXX. They charge a {$14.00} service fee to take a payment over the phone with the debt card, even though if you contact their collections department, based in the US, they do not charge a fee at all. The wait times are long and the phone system loops yous around and around. It is not uncommon to spend 45 minutes on the phone just to make a payment or resolve an issue. \n\nI have had payments meant for Federal loans be applied to Private loans and have had Federal loans go into 30-60 month passed due because of this. Recently, I asked for a total tally of how much I have paid them in total XX/XX/XXXX and no one can provide that info to me. I was told they do n't have that information. That 's impossible. I was told online through a customer service email that I could look it up online but when I searched the query, it said \" Error - can not process ''. Deceit, lies, untrust are the words that come to mind when I think of Navient. \n\nNo way out, no way to refinance it, struggling. Need help!","date_sent_to_company":"2015-10-15T19:34:48.000Z","issue":"Dealing with my lender or servicer","sub_product":"Non-federal student loan","zip_code":"02910","tags":null,"has_narrative":true,"complaint_id":"1608921","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2015-10-15T19:34:48.000Z","state":"RI","company_public_response":null,"sub_issue":"Having problems with customer service"},"highlight":{"complaint_what_happened":["Deceit, lies, untrust are the <em>words</em> that come to mind when I think of Navient. \n\nNo way out, no way to refinance it, struggling. Need help!"]},"sort":[13.516039,"1608921"]},{"_index":"complaint-public-v1","_id":"5752934","_score":11.389596,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"Primary Concern : CREDIT REPORTED as DELINQUENT by AFFIRM to XXXX Installment loan : XXXX ( {$250.00} ) I have been using AFFIRM for quite sometime and I was able to pay them until the pandemic struck. I struggled juggling my finances and had to make necessary options until I can get back on my feet. \n\nWith this, I established a communication with AFFIRM, expressing my concerns like late payment options and other specifics like which account would lead into reporting to the credit bureaus. I made several calls back in XXXX of XXXX and other follow up calls on XX/XX/2022 wherein I was able to talk to a number of representatives and supervisors. In this call, I specifically asked if what accounts would be reported to the credit bureau because I am afraid that I would not be able to pay all of my loans at once during their deadlines, and instead, I need to prioritize the account or accounts that is imperative for reporting. I was told that ONLY one account is subject for reporting and I am aware of that already. I asked not just once, not even twice but various times just to be aware of what I will be expecting. \n\nI reached out to them with all the good intentions and in good faith because I still want to continue using AFFIRM. I have laid down my concerns and I believe that it also important of them to work with the customers given the impact brought about by the global pandemic. I continued to pay and tried my best to catch up specifically the one account that I'm aware for reporting, since I know what damage it could do to my credit report. \n\nHowever, just recently, there was another account reported to my XXXX, it was tagged as delinquent and I was horrified since this particular account was not meant to be reported since I have asked various time about this concern. \n\nI immediately sought for their help, asking them any option for this report to be removed because it was deceitful of them to say that only one account is for reporting and I took those words seriously and all they were saying was, they're sorry for the miscommunication but they can not do anything about it. \n\nAs a customer, we rely so much on customer service representatives or anything that directs us to a REAL PERSON, in this case, they have proven that it's okay for their representatives to make mistakes, to feed misinformation and they will not own anything because in the end, they do not care about their customers, only the money. \n\nMy ultimate issue here is their inability to investigate properly, and shrugged off my plead from the beginning to meet in the middle just for this delinquency to be removed. They fed me with misinformation and they refused to work with me. \n\nI have proof of e mails that I have communicated with them and I also believe that all calls were recorded.","date_sent_to_company":"2022-07-09T22:57:00.000Z","issue":"Struggling to pay your loan","sub_product":"Installment loan","zip_code":"60613","tags":null,"has_narrative":true,"complaint_id":"5752934","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2022-07-09T22:28:46.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["However, just recently, there was another account reported to my XXXX, it was tagged as delinquent and I was horrified since this particular account was not <em>meant</em> to be reported since I have asked various time about this concern."]},"sort":[11.389596,"5752934"]},{"_index":"complaint-public-v1","_id":"3756404","_score":11.387058,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I was looking for a XXXX loan and a guy named XXXX called me from a loan company named light stream loan, he said they work off a trust basis which meant he would deposit money into my account and I send it back on a XXXX card, he told me not to look into my bank information with XXXX because we both couldnt be on line at same time, he told me he deposited XXXX into my account any I was to send it back and I did, I asked when would I receive the XXXX he said it was a problem with my credit and he would have to deposit another deposit into my account and I was instructed to do the same thing and again he said he needed to make it appear that I had money in my account to his leading bank and he said he deposited XXXX and I sent it to him, he was extremely convincing that he was helping me build my credit and the XXXX would be in my account, I called the next day and he did not answer and said he was in hospital so I ask to speak with someone else he hung up and at first blocked my call. I then sent him a picture of my bank statement and asked if he was making claims on bills I already paid and having me send him the money he assured me that it was legal and he was looking out for me, but by this time I knew he was full of stink and we exchanged words and I shut down my account because he had all my information all of it he said he needed it to transfer money from my account to his banks ( lies ). I made police report and have all copies of his and my conversation where he is telling me how to put the money on XXXX cards and how much, I have all my bank statements from where he took out claims on my rent ect.. I know I was silly but he knew I was desperate I think and even told me he would black out my ss number! Dont know what that mean but he and light stream loan has hurt my family greatly can you please help me! I have all the paper work it was a fake loan I think I reported to consumer credit they told me to contact you guys am not sure if I am doing this correctly but I need help please!!","date_sent_to_company":"2020-08-20T18:28:57.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"73120","tags":null,"has_narrative":true,"complaint_id":"3756404","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2020-07-21T17:41:05.000Z","state":"UNITED STATES MINOR OUTLYING ISLANDS","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":["I then sent him a picture of my bank statement and asked if he was making claims on bills I already paid and having me send him the money he assured me that it was legal and he was looking out for me, but by this time I knew he was full of stink and we exchanged <em>words</em> and I shut down my account because he had all my information all of it he said he needed it to transfer money from my account to his banks ( lies )."]},"sort":[11.387058,"3756404"]},{"_index":"complaint-public-v1","_id":"3738986","_score":11.387058,"_source":{"product":"Debt collection","complaint_what_happened":"I bought a table at Conns XX/XX/XXXX. In XX/XX/XXXX I purchased a washer and dryer. They canceled my first contract and made a new contract total was XXXX. A month later the washer broke down they would not fix it. I called waited a long time until I whent to the store and spoke to XXXX the store manager. He told me to pick up a new set, I did, he told me to not pay anything until the new washer and dryer were added to the contract and the non functioning washer and dryer were taken off. I did as I was told. They called said my payment wasnt due until XX/XX/XXXX that meant I wouldn't pay XXXX  or XXXX and be counted as current do to them canceling the old contract making the new one. I get on XXXX XXXX about a month and a half later and 80 points had been deducted. I was going to purchase a vehicle a week later!!! This was shocking showed on there Conns reported me late. I called about 100 times and I was given different answers every call and different reasons, spoke to many managers no one did anything. This really affected me. One agent told me that the old washer and dryer were never taken off, in other words I was paying for 2 washers and 2 dryers and the table and chairs. I've called this company so much its ridiculous. Every single person gives me different answers!!! I've kept paying even after they scammed me, to raise my credit because I was given no solution. I'm trying to buy a home this year for me and my children and Conns is making it a night mate! I called XXXX of XXXX and they said my balance was almost 7,000!!! I'm was speechless how is this possible. The washer and dryer that were replaced costed almost 1,500 dollars less than the original? At that time my payoff was XXXX??? How am I owing XXXX more if I received cheaper sets. Were has my money gone since XXXX that I bought the table in 2 years that's a huge amount. Those negative remarks I'm showing on my credit from XXXX have never been removed, they promised to fix them it's been more than a year and still showing. This company is a fraud and caused tragic moments of success for me. I've never been late I was always responsible and here I am stuck. I want answers, I refuse to pay them anything not even a penny until I get an answers. I have emails I sent to the manager about my credit also.","date_sent_to_company":"2020-07-10T17:40:02.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"87105","tags":null,"has_narrative":true,"complaint_id":"3738986","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Conn's, Inc.","date_received":"2020-07-10T16:53:50.000Z","state":"NM","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["One agent told me that the old washer and dryer were never taken off, in other <em>words</em> I was paying for 2 washers and 2 dryers and the table and chairs. I've called this company so <em>much</em> its ridiculous. Every single person gives me different answers!!! I've kept paying even after they scammed me, to raise my credit because I was given no solution. I'm trying to buy a home this year for me and my children and Conns is making it a night mate!"]},"sort":[11.387058,"3738986"]},{"_index":"complaint-public-v1","_id":"1509106","_score":11.293377,"_source":{"product":"Mortgage","complaint_what_happened":"Greetings to all C.F.P. Bureau agents., XX/XX/XXXX My name is XXXX XXXX XXXX & i am XXXX from having served in the XXXX XXXX XXXX ( but my issue is Mortgagec related ). \nI was ordered to receive XXXX for the XXXX XXXX XXXX. XXXX of these were XXXX. \nI am revealing this to you because XXXX. \n\nSo, in XX/XX/XXXX when i asked XXXX / XXXX XXXX XXXX for a REFI, they asked me for proof of income. These guys knew i was in tough shape especially from XXXX. They knew because they ( XXXX ) demanded proof of income which came in the form of my XXXX \" award letter. '' For XXXX months, i politely asked them to mail me a brief synopsis of the terms i could expect to be faced with. And each month they came up with a new reason why they could NOT tell me what to expect for an interest rate, a rough guess on the total monthly payment, escrow breakdown and whether my new note was a \" fixed '' or \" adjustable-fixed-mortgage & gt ; '' By the way ; i had no idea what any of the preceding words meant, ie. ARM versus a Fixed Note or what attorneys meant by a Sub-Prime Note and or balloon payments. \n\nThis all goes to the heart of my complaint. \n\nThese XXXX financial REFI wizards were 'banking ' on the fact that i had no concept or understanding of contractual mortgage language. I doubt some of them did to except for how much their commission would be if i signed all the refi documents. \n\nThis brings us to the 3-day Recission period guaranteed by law for every American citizen following the Closing of a mortgage contract or the refinancing of a mortgage note. \n\nWhy? \nBecause none of us can read or truly understand the implications of what we are getting ourselves into for the next XXXX years. \n\nLet me refresh you. I was XXXX ( XXXX ). \nAnd the REFI bank officers knew this because i had previously supplied them with my XXXX Award paperwork from the XXXX judge in XXXX, Florida. These documents from XXXX XXXX XXXX elaborated on how i XXXX XXXX in many everyday settings and even simple tasks such as shopping at the grocery store. \n\nI ca n't tell you how many times i had to leave my basketful of groceries in XXXX so i could 'escape ' from my perceived trap. XXXX. \nXXXX/ XXXX & XXXX set my closing at XXXX. It went to XXXX and yes, i had a XXXX XXXX but i had to stick it out. I was signing documents like crazy. ( XXXX forms ). \nDuring this marathon closing, i must have asked at least XXXX times for a copy of my new refi note. I was told, \" XXXX XXXX, we have XXXX docs here and i need to get each XXXX upstairs to the notaries to be notarized. It 's XXXX. Do you want to wait until XXXX for a few copies? '' At close to XXXX Thursday, i asked if my 3-day revision period included the week-end & was told yes, of course. That should change. \nNote ; how many real estate attorney offices are open on a saturday willing to review a XXXX page thick refinancing mortgage note? \n\nWait. Forgot. I was denied a copy of the refi note for my 3-day recission period. During the closing, the refi agents guaranteed me more than XXXX that my mortgage payment would remain at {$620.00}. A lie. Climbed to XXXX. Rcvd my note in XXXX mo.s","date_sent_to_company":"2015-08-07T16:59:07.000Z","issue":"Settlement process and costs","sub_product":"Conventional adjustable mortgage (ARM)","zip_code":"33844","tags":"Older American","has_narrative":true,"complaint_id":"1509106","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NATIONSTAR MORTGAGE LLC","date_received":"2015-08-07T16:59:06.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["And each month they came up with a new reason why they could NOT tell me what to expect for an interest rate, a rough guess on the total monthly payment, escrow breakdown and whether my new note was a \" fixed '' or \" adjustable-fixed-mortgage & gt ; '' By the way ; i had no idea what any of the preceding <em>words</em> <em>meant</em>, ie. ARM versus a Fixed Note or what attorneys <em>meant</em> by a Sub-Prime Note and or balloon payments. \n\nThis all goes to the heart of my complaint."]},"sort":[11.293377,"1509106"]},{"_index":"complaint-public-v1","_id":"6962934","_score":10.775873,"_source":{"product":"Checking or savings account","complaint_what_happened":"I had my Albert bank account thats the name of the banking institution recognized on XXXX for quite some time. I was never allowed to overdraft ever. I was given a certain amount of as a cash advance to use and pay back but never allowed to go over even XXXX XXXX without decline. i rented a car from XXXX XXXX. I had the car for probably three weeks. Then the brakes went out. Obviously they were grinding right away. I called for a tow truck to come. The tow truck came brought my rental car to the XXXX headquarters that handled repairs. About a week to 10 days I receive phone calls from loss prevention at XXXX asking if I would return the vehicle. I explain to the lady that the car is already been returned. If there was an issue with the brakes and they took the car and I didnt have it. I want it today about a week later maybe even a week and a half I was then charged by XXXX for the rental car, the damaged brake repairs, ( the fact that they were grinding like they were meant they werent maintained properly by them ) I was charge for the tow truck. I was charged a miscellaneous fee. I was charged for days I didnt have the car. I was charged a lot unjustly {$1900.00} to be exact. I thought to myself oh, thats a shame but theres no way my financial institution will allow this charge to go through lo and behold. This is the first Albert banking allows a XXXX dollar charge to go through when there wasnt nearly even remotely that kind of money in my account. I am now XXXX dollars. Ive been taken to collections by XXXX because theyre saying they never got the money. The collection agency has confirmed they have never gotten the money. Not that I would want to ever use them again but my rental privileges have been taken away by XXXX. And to be clear, collection agency and XXXX have never received the money. I have disputed the charge with my bank and have gone round and round to no avail. They have stood by the actions that are completely unscrupulous. I am at my wits end. Not only was I charged an unjust amount of money by XXXX but my bank institution has agreed to pay it and let me overdraft my account when they never would let me go even XXXX over in all my time as a customer and I am at a loss for words here because I dont know what else to do it this point. They have claimed to have investigated but they havent even spoke to the collector or XXXX that i know of. This is really a despicable way for a bank institution to do business. Also they text only and no phone number to call to actually speak to these people make it even that much more frustrating .. : and they call themselves geniuses, which is ridiculous.","date_sent_to_company":"2023-06-28T13:23:10.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90068","tags":null,"has_narrative":true,"complaint_id":"6962934","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Albert Corporation","date_received":"2023-05-11T09:39:47.000Z","state":"CA","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Also they text only and no phone number to call to actually speak to these people make it even that <em>much</em> more frustrating .. : and they call themselves geniuses, which is ridiculous."]},"sort":[10.775873,"6962934"]},{"_index":"complaint-public-v1","_id":"2682673","_score":10.201199,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In XXXX of XXXX I received a new credit card in the mail from JCPenney where I have had a credit card account since XXXX. I DID NOT REQUEST THE NEW CARD. Periodically through the years, they have sent me a new card with new rewards etc. and told me to activate it to replace my old card. So that 's what I thought this was. \n\nI do n't remember if the letter about the new card came separately or with the new card because I saved them together. The top of the letter had these large print words, \" CONGRATULATIONS! You are being upgraded to a new JCPenney XXXX. '' It said no action was needed on my part and the new card \" replaces your JCPenney Credit Card. '' So I assumed this was just a new card for my same account. I had no balance on my account and had not used the card in several months so I just stuck it in my wallet, figuring I would activate it from my cell phone the next time I decided to use it. \n\nOn XXXX XXXX, XXXX, I shopped at a local JCPenney 's and while I was at the register, I remembered I needed to activate my card. The cashier let me call to activate it so I could finish checking out. In the process, they asked for my annual income to increase my credit limit but I told them I was in line at the store and did not want to give that information and also that I did not need to increase my credit limit because I hardly ever use the card. They said I could just keep the same credit limit. I said that is fine with me and assumed that meant they were not doing any kind of credit check. I then completed my purchase with the new card. \n\nThen, on XXXX XXXX, XXXX, I was notified by email that a credit alert had hit my credit report because I opened a new credit card account. I was completely shocked because I had no idea that is what I was doing when I called to activate my JCPenney card. So I dug out the letter that came with the card and that 's when I saw the fine print on the back FAQ section that stated if I accepted the upgrade, my old credit card would be closed and transferred to this new account, which would be added to my credit report. \n\nI guess it 's my fault for not noticing that statement which was in much smaller print on the back of the letter. But I believe this was a very deceptive and misleading marketing practice. All of a sudden, after 16 years of getting upgraded cards which never required any kind of credit check for me to activate, JCPenney sends me a new card that was COMPLETELY UNSOLICITED! In the fine print it said, if you want to keep your current JCPenney credit card, then call this number ... \n\nThis is completely backwards! If they want to advertise new cards and accounts it should require action on the consumer 's part, not \" NO ACTION ''! \n\nIt 's too late now because the account is already open. I just want this to be addressed so it does n't happen to somebody else! It 's not good for your credit report to keep opening accounts and this was so unnecessary and unwanted!!! \n\nSHAME ON YOU JCPENNEY!","date_sent_to_company":"2017-09-25T13:51:41.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"140XX","tags":null,"has_narrative":true,"complaint_id":"2682673","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2017-09-23T15:46:18.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I said that is fine with me and assumed that <em>meant</em> they were not doing any kind of credit check. I then completed my purchase with the new card. \n\nThen, on XXXX XXXX, XXXX, I was notified by email that a credit alert had hit my credit report because I opened a new credit card account. I was completely shocked because I had no idea that is what I was doing when I called to activate my JCPenney card."]},"sort":[10.201199,"2682673"]},{"_index":"complaint-public-v1","_id":"8925554","_score":10.002457,"_source":{"product":"Credit card","complaint_what_happened":"Got notification of now a XXXX card, same financial group. Jcp and Lowes credit cards have both been lowered significantly on credit limit to an insult amount after XXXX yrs never bad reporting. Approx last week of XXXX, Jcp account lost limit of XXXX down to XXXX, advised nothing they can do. Then they closed my account within XXXX hours of my call to see if I could provide documents of fraud alert, irs pin established and cfpb reported. Then notification of Lowes account closed. Called to ask why because email showed too much debt to income, no mortgage ( I own XXXX properties no mortgage ). Guy with a small child in background screaming or playing says well ill look for your letter it should be in your email. Sorry I don't see it in email may have deleted by accident. Reads me the letter stating due to no mortgage, excessive debt, too many bank card debts ( not sure and he couldnt tell me what this meant ), and spiral negative score. I asked why run report XX/XX/XXXX as letter says, wait for me to make a XXXX dollar purchase last week then close account without attempt to get new report. Advised synchrony guy I had paid off XXXX  of my debt in the last XXXX  days, fraud placed, irs notified, XXXX  contacted and found they applied my payment to wrong XXXX  acct therefore reporting acct now XXXX  days late. Even paid this Lowes card balance down to XXXX  within last XXXX  days in amount of XXXX something trying to keep ahead of credit limits lowering daily and debt owed. Said nothing I can do card is closed. That was that. Now I've lost those XXXX account credit lines that was over XXXX in open unused, plus now lessens average of credit opened in return lowering score for their actions when it wasnt even current report! I see why people file bankruptcy easily its alot easier than this when I've made it priority to always pay my bills first if that meant I went without eating so be it. My ex spouse was responsible for the XXXX XXXX account, until the ordered alimony payment begins I paid that up immediately as it was an account ex spouse accessed against decree and deferred payments when he was excluded from loan then to be told it was paid for XXXX months, plus he closed XXXX of the XXXX banks accounts that had my name attached. XXXX, XXXX  XXXX XXXX XXXX, Lowes, XXXX XXXX all were stop paymented at the expense of previous spouse and he closed account all were autopay. Immediately contacted by creditors, gave information that day and authorized payment so nothing was late and late fee paid so no negative reporting. I'm talking almost XXXX XXXX pulled from IRA to pay his debt to prevent this from happening since he's now filing bankruptcy too. Although alimony ordered can't be forgiven but that takes time for filing and garnishment to start by employer so I took extreme measures to correct his debts as it's linked to me. Watched him file bankruptcy prior to marriage along with everyone else family wise. I strive to make that to never be the case to the point of working XXXX hours at a time while no state help because of increased income temporarily just to pay off debt that wasnt mine in the first place. Willing to even offered to pay off XXXX account too that has been good standing for XXXX  years. How can creditors jump that fast without facts, offered to give documents of all information to support my words including city online landrecords proving my ownership. Disputed XXXX  times with bureaus, no change even those submitted banking photos of all payments nothing missed beyond XXXX  days therefore can't report as XXXX  days or more. How can innocent individuals go thru such terror because of XXXX XXXX creditor reporting XXXX  days late when they even showed the XXXX payment which was over any given month XXXX months of minimum due plus paid additional XXXX payment to XXXX and XXXX to XXXX XXXX. Not my fault XXXX  applied payment to XXXX card and not XXXX as XXXX  wasn't ever late a day.","date_sent_to_company":"2024-05-03T18:12:04.000Z","issue":"Closing your account","sub_product":"Store credit card","zip_code":"741XX","tags":null,"has_narrative":true,"complaint_id":"8925554","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-05-03T17:41:36.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Called to ask why because email showed too <em>much</em> debt to income, no mortgage ( I own XXXX properties no mortgage ). Guy with a small child in background screaming or playing says well ill look for your letter it should be in your email. Sorry I don't see it in email may have deleted by accident. Reads me the letter stating due to no mortgage, excessive debt, too many bank card debts ( not sure and he couldnt tell me what this <em>meant</em> ), and spiral negative score."]},"sort":[10.002457,"8925554"]},{"_index":"complaint-public-v1","_id":"7839242","_score":9.983168,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This complaint concerns Coinbase, from XX/XX/XXXX to present. \n\nI have had a Coinbase account for years, although I have not been very active. From XXXX, I was steadily uploading US dollars from a verified bank account to Coinbase, XXXX about {$22000.00}. Coinbase has previously announced that it was possible to trade daily amounts of {$25000.00} ( https : //www.coinbase.com/blog/buy-and-sell-immediately-and-higher-daily-limits ), and I was depositing daily amounts of approximately {$3000.00} after an initial {$7500.00} deposit using ACH transfer. I also verified before each deposit that Coinbase would make the money available within seven days. \n\nOn XX/XX/XXXX, I received an email from Coinbase that my account was on a withdrawal hold \" for an additional 30 days, '' although I later learned that it was actually frozen for nearly seven weeks. Email text included below : **Withdrawal Hold placed on your Coinbase account We have increased the holding time before you can withdraw your funds by 30 business days. This is meant to protect you against fraud by ensuring that you authorized this purchase. No action is required on your part. \n\nIf you believe this is in error, please contact us by visiting XXXX XXXX XXXXXXXX Losing access to {$22000.00} for nearly two months was unacceptable to me, especially as I needed it much more quickly to pay for a planned medical expense ( which I informed Coinbase by email ). I contacted customer service, who asked me to complete an additional verification form and promised that it would be reviewed. However, since days passed without further action and I needed to regain access to the money, I contacted customer service again and asked if it would be possible to withdraw my money from Coinbase back to my verified account, especially since it remained in US dollars. I also pointed out that since the withdrawal hold was ostensibly for my own good, to protect me from fraud, there should be no problem redepositing it in a bank account that Coinbase itself had already verified. Additionally, of course, I had neither asked for nor wanted \" fraud '' protection. \n\nI kept asking each day for help resolving what should have been a simple problem, but things got more complex : - I was only directed to the formal internal complaint line on XX/XX/XXXX, three days after the problem started. The internal complaint process, I was informed, would take up to 45 business days- in other words, longer than my withdrawal hold. \n- Coinbase reps offered conflicting explanations for the hold. It was variously : - - For my own protection, and to keep me from making an investment that I might regret. \n- - Because ACH transactions were not available immediately, and that I should have either made a wire transfer or checked the time when the money would have been available before depositing ( I did, and in any case the email that an additional hold had been placed on the account meant that processing time was not the explanation ). \n- - Because my bank was still processing the money ( I confirmed with my bank on XXXX that the funds had been transferred ) - - It was something the system did automatically, and no one at Coinbase had any control over it. \n- - The hold wasn't at Coinbase at all ; since it was external, no one at Coinbase had any control over it. \n- - The hold was under review, and someone at Coinbase would be able to remove it once they had checked my account. \n\nI also offered repeatedly to show additional identity verification or any other information that they needed, but was turned down every time. \n\nAfter several days of contacting Coinbase repeatedly, I was asked to wait and inquire about the review status on XX/XX/XXXX. On XX/XX/XXXX, to give Coinbase additional time, I reached out again, only to be told that my account was still under review with no change. \n\nAs a footnote, I learned too late that Coinbase has pulled this trick before, freezing accounts at random for months at a time, especially over the {$20000.00} mark ( see here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-11-11T17:44:41.000Z","issue":"Money was not available when promised","sub_product":"Virtual currency","zip_code":"99709","tags":null,"has_narrative":true,"complaint_id":"7839242","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2023-11-11T17:04:47.000Z","state":"AK","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This is <em>meant</em> to protect you against fraud by ensuring that you authorized this purchase. No action is required on your part. \n\nIf you believe this is in error, please contact us by visiting XXXX XXXX XXXXXXXX Losing access to {$22000.00} for nearly two months was unacceptable to me, especially as I needed it <em>much</em> more quickly to pay for a planned medical expense ( which I informed Coinbase by email )."]},"sort":[9.983168,"7839242"]},{"_index":"complaint-public-v1","_id":"11412009","_score":9.946491,"_source":{"product":"Prepaid card","complaint_what_happened":"I had to join XXXX XXXX go since that is where my Unemployment Benefits went. \nThankfully, that is over now! \nI made several transactions from XXXX for XXXX and left my card on my account like some people do, and that will never happen again on my end. \nXXXX used my card XX/XX/XXXX and paid for every single item that was in my cart. \nI couldn't remain an ABANDONED CART I guess. \nI filed a police report and while mentioned everything, I noticed that the billing for that UNAUTHORIZED CHARGE did not have my name or address. \nI reported that to XXXX and XXXX a women who was in my account the last time I called XXXX behaved poorly and so I asked for the address to the corporate office, she gave a partial address. I asked for a supervisor and I was placed on several holds, the music would stop and begin again. This meant I was on hold and then mute so that she could see if I was still holding. \nAgents don't understand ethical behavior, all they understand is spite and how to make you work harder to get simple things! \nAfter this XXXX agent had her fun she disconnected the call. \nSo basically, I waited ALL THAT TIME, for nothing! \nI called again and asked for a supervisor and since I am bad with names, he may have said XXXX but the recording and my account should correct that name if I am wrong. \nThat supervisor gave me the agents last name as XXXX. She was the person who who hung up on me instead of assisting me. It's not fair or right so it's better to report her! \nLet 's now go backwards for a moment. \nAfter XXXX fraudulently used my card for their gain, I ordered a new card and with a active card you can speak to an agent. I eventually received my new card and had a chance to report XXXX. \nName unknown, but the person who took my XXXX XXXX also proved that he's clueless on what active listening is and what ethical behavior is. \nMost of my dispute was interrupted and he sent it through without making sure if I were done. So because I was interrupted and he didn't wait for me ON MY DISPUTE, I was left with a dispute in his words. \nIT'S NOT EVEN WORTH IT TO HAVE AGENTS, IF YOU HAVE SORRY ONES! \n\nThe main reason for this complaint is because Way2go, approved transactions that involved my card and allowed the billing name and address to remain INCORRECT. \n\nThese transactions are supposed to be declined until corrections are made. \nI hadn't noticed that even being a problem until XXXX used my card. \nAfter noticing that issue, I went and checked on my previous purchases and I for sure added my name and address. But for some of my transactions the name and address were different. \nXXXX is to blame on the change in the billing and it doesn't help them at all to switch anything or that glitch needs to be fixed but they would rather waste my time chatting than to help for a second. \n\nSo Way 2 go who actually approved these transactions also dropped the ball when the complaint I tried given was rejected since the agent preferred to put in his own using his words and not mine... I HAVE A PROBLEM THAT! \nAlso since XXXX, thought I wouldn't report being left on hold and then disconnected. THAT WILL TURN INTO A COMPLAINT EACH TIME. \nIf customer service weren't so suspect and rude, I would have accepted their best excuse! But now all bets are off since, organizations for the last several years have chosen to hire the worse people. \n\nOutside of that poor service received, I do not know who approves or declines or if it's a system that recognizes errors or red flags so because of that WAY 2 GO IS LIABLE. \n\nEvery account needs protection and lets be honest, who wants to out in a dispute when problems can be prevented! \n\nWay 2 Go deciding to approve any transaction instead of focusing on issues that could cause problems later. \nThe billing information did not have my name or address so this is why XXXX was able to use my card and pay for everything in the cart and it came to {$340.00}. \nThat is TOO MUCH when it could have been prevented if Way 2 Go did anything other that interrupt and disconnect. \n\nI have so fare received my full refund but the fight was mine alone! \nNo one helped! \nNo one! \nI need my complaint filed! \n\nAlso, I called recently to CFPB and an agent stated that all complaints against Way 2 go, goes to Federal Reserve and so I sent them my complaint and on XX/XX/XXXX, Federal Reserve responded stating that Way 2 Go complaints goes to CFPB. \n\nIt would be SO NICE, it people stopped wasting my time!","date_sent_to_company":"2025-01-10T18:59:54.000Z","issue":"Advertising","sub_product":"Government benefit card","zip_code":"89169","tags":null,"has_narrative":true,"complaint_id":"11412009","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Conduent Incorporated","date_received":"2025-01-07T20:32:52.000Z","state":"NV","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the card"},"highlight":{"complaint_what_happened":["That is TOO <em>MUCH</em> when it could have been prevented if Way 2 Go did anything other that interrupt and disconnect. \n\nI have so fare received my full refund but the fight was mine alone! \nNo one helped! \nNo one! \nI need my complaint filed! \n\nAlso, I called recently to CFPB and an agent stated that all complaints against Way 2 go, goes to Federal Reserve and so I sent them my complaint and on XX/XX/XXXX, Federal Reserve responded stating that Way 2 Go complaints goes to CFPB."]},"sort":[9.946491,"11412009"]},{"_index":"complaint-public-v1","_id":"3166963","_score":9.684717,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I submitted a price rewind request for an item that I purchased. The price rewind program allows you to find a lower advertised price with either the original merchant or another one. I submitted by receipt and the advertised lower price. The entire process should take no more than 14 business days. \n\nOn XX/XX/XXXX I received an email with a survey to rate my experience. Confused, I called the hotline only to be told my claim had been denied which I had not been notified of. When I asked why, I was told the items were not the same. After speaking to the rep, at her request- I provided additional pictures of the bag. I was told an adjuster would call me within 2 business days. I asked that this person to call during evening hours. However, he did not and I missed his call. I called back on XX/XX/XXXX only to be told the whole claim needed to be restarted for an adjuster to see if. After this was done I waited almost 2 weeks before speaking to him. He informed me that it was denied because the items were different. I assured him they were not and he told me he would look into it. If I didn't head back from him it meant good news. If he did call back it was because he needed additional information. He told me a final decision would be reached in 48 hours. \n\nI waited 2 additional weeks for him to call back or for my claim to be updated. In the interim I called 5 different times and was told to give the adjuster time that the claim status was \" additional documents needed to be verified. '' Finally upset I called on XX/XX/XXXX and spoke to someone who appeared sympathetic to issue. After speaking to her manager only part of the claim was approved. When I asked why she gave me no reason. Instead she told me a manager would call me within 5 days. No one ever called. On XX/XX/XXXX I called again for an update and spoke to a rep who said I would have to resubmit the claim and that she would attach her notes so it would be approved. She confirmed with me and with a manager the items in question were indeed the same. On XX/XX/XXXX I received a call from a different adjuster telling me the claim was not approved - this time due to not being able to verify the advertised price. In her words \" we know it is a red flag because it cheapens the brand. '' With no explanation of how the price was not verified. Mind you, this is nearly 3 months after I submitted my claim. The item is still available sold & shipped by XXXX. Additionally, there are several XXXX price trackers and I have been able to account for every adjustment in price that has occurred since I submitted my claim. \n\nI am highly upset with XXXX over the handling of this issue. For three months I have wasted time and energy on a matter that should have been resolved rather quickly. So much so, that I will no longer be using the card in question for purchases. I would rather spend my money with a company that values its customers, not one who spend three months making excuses. \n\nGraph detailing the price of the item on XXXX can be found here : XXXX XXXX XXXX XXXX & XXXX","date_sent_to_company":"2019-03-01T22:08:33.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"10314","tags":null,"has_narrative":true,"complaint_id":"3166963","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2019-03-01T21:29:06.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["If I didn't head back from him it <em>meant</em> good news. If he did call back it was because he needed additional information. He told me a final decision would be reached in 48 hours. \n\nI waited 2 additional weeks for him to call back or for my claim to be updated."]},"sort":[9.684717,"3166963"]},{"_index":"complaint-public-v1","_id":"7970695","_score":9.311468,"_source":{"product":"Credit card","complaint_what_happened":"XXXX  Below is a complaint I filed with the CFPB orginally and I received an email from Citi saying, \" we didn't do this. '' Case closed by the CFPB. Not even close. \n\nBesides the offenses they committed below we can now add FRAUD and BAD FAITH. I had a SIMPLE request and I called the Executive Response Team-Sound Very Important huh? Bunch no good do nothings liars. I requested copies of my original Credit Card Agreements for the Exxon Card and the Two Citi cards. I requested this because I was told repeatedly told me they did nothing wrong- no Discrimination, Defamation, Predatory Lending, Retaliation, and now Fraud and Bad Faith. I wanted them to produce the agreements where I would ever agree to be treated this way. I was told THREE times on three calls those would be sent. Then, I was told they were mailed on XXXX and to wait a couple of days. \n\nYesterday, I received an email from the lying Executive Response Team stating these exact words : \" We respectfully decline to provide the requested agreements, and then they made the point I could obtain them through Subpoena. '' ( Meaning, XXXX XXXX. ) I'm going to do so much more than that. So, they mailed them on XXXX  and on XXXX  I receive an email stating they respectfully refused to provide them. So which was it? Did they LIE when they told me they sent them on XXXX  or did they MAGICALLY retrieve those three agreements in the billions of pieces of mail? \n\nEither way, XXXX XXXX  are begging to be made an example of. I am just that guy. Do you want know why they respectfully declined to send agreements I signed or agreed to? BECAUSE THEY DON'T EXIST AND THEY KNOW IT. OUT AND OUT LIE-WHICH IN BUSINESS CONSTITUTES FRAUD AND BAD FAITH! Goody, more legal claims for me! And, what is so much fun about this, its all documented. \n\nNow, The Consumer Financial Protection Bureau states these exact words ( from their website ) - \" A financial institution must submit the credit card agreement, which is defined as the written document or documents evidencing the terms of the legal obligation, or the prospective legal obligation, between a card issuer and a consumer. '' Well CFPB, time for you to do your job right this time, they refused to provide the agreements which is my legal right to possess and for them to provide. Make em do it! Complaints are in with The Attorney General, State and Federal, FTC and CFPB. CFPB- Don't you want to know why Citi thinks they can spit on their obligations to your Bureau and to me? \n\nAnd to you Citi, you want to fight me? Let 's do it. You picked the wrong guy. A Class will be formed within a week because if you did this to me you did to others. Let 's dance! \nIf they are any consumers that wish to contact me and speak of any similar treatment by Citi stand apprised, I will have more information if these idiots at Citi don't do this right, I will make this my project full time and not rest until Justice is done and that looks like a Judgement against them in a Class Action Suit. \n\n\nXXXX XXXX XXXX XXXX Texas. \n\n\nThat would be them Original Complaint Submitted and shown as resolved?! Who are you kidding? \n\n\nWe received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT I have/had 2 Citibank credits cards, both for over the years. My payment record is perfect. I lost my job over a year ago. We were in financial trouble. I always try and maintain relationships. In XXXX fo XXXX, we had an unexpected medical problem. It was hard enough not having a job. I knew I was going to be 2 ( TWO ) days past due on my Citibank payments. I called them to give advance notice and to assure them they would get paid. On that call I was told I was a GREAT customer, never late in all these years. That there was a grace period and I didn't even need to call them. I found out in the most humiliating way Citibank lowered my available credit on BOTH cards to about {$100.00} above whaw I owed. Prior to that, I had several XXXX dollars of available credit on both cards. Not having a job meant I did most of the chores including going to the grocery store. I found out the cut my available credit because both cards were declined. Just like in the movies, a line was forming behind me. I had no other way to pay. I pleased and apologized to the store clerk and manager. They know what customer service is, they allowed me to go home, get another form of payment and get my cart to the side. Needless to say I called Citibank and asked what they did. These exact words from thier agent, \" Oh from time to time we check our customers and issue credit based on several factors. '' When I held her feet to the fire and she admitted it WAS BECAUSE I CALLED AND SAID I WAS GOING TO BE TWO DAYS LATE. THE PAYMENTS HAD BEEN MADE AND CLEARED MY BANK YET SHE HAD THE NERVE TO TELL ME MY ACCOUNTS WERE DELINQUENT. I asked for a supervisor and she would not budge. I found myself begging this woman for her help in putting my available credit back to where it was. She would not. It caused my wife and I great harm and suffering. We have an Exxon/Mobile card for 40 YEARS, NEVER A LATE PAYMENT. About a week after they cut my available credit my wife called and told me she'd been to 2 company owned Exxon 's and both at the pump and inside at the register her card was declined. The card had nearly a XXXX balance. There was no risk of us going over the limit for my wife filling up her car! Of course I called Exxon furious. The agent seemed very confused and she asked me if I had two Citibank cards. I asked her why that was her business and that when I found out Citibank does Exxon 's credit cards! I asked her point blank if they closed my account. She said it appeared closed, was confused and flustered. She asked me to hold and put a supervisor on the line who told me, \" there must be a problem with the card readers, your account is in good standing!? '' SHE WAS THE FIRST OF MANY LIARS I'VE HAD TO DEAL WITH. WHAT THIS AMOUNTS TO IS EXACTLY WHAT I SAID, CITIBANK PRACTICES PREDATORY LENDING, AGE DISCRIMINATION, RETALIATION AND DISHONESTY. If anyone else has experienced you should talk to your attorney or look for one to tell this too. This is so illegal, we are looking at Civil and Criminal charges. XXXX XXXX XXXX, Texas Hide full complaint","date_sent_to_company":"2023-12-08T21:48:55.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"762XX","tags":null,"has_narrative":true,"complaint_id":"7970695","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-12-08T21:05:03.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["And, what is so <em>much</em> fun about this, its all documented."]},"sort":[9.311468,"7970695"]},{"_index":"complaint-public-v1","_id":"2757255","_score":8.384649,"_source":{"product":"Student loan","complaint_what_happened":"The reason I am submitting a compain with CFPB is because of the experience I have had with Navient, to give testimony to the two articles ( XXXX : XXXX & XXXX : XXXX ) I read when I XXXX \" i want to complain to Navient ''. \n\nI sent Navient a complaint email for the first time XXXX/XXXX/XXXX. The following is the email and it explains at a high level the nature of my issue : Hi, I am writing to complain about the serving of my Navient account as of the past few months. \n\nI called in XXXX XXXX inquiring about the repayment option for my loans and I spoke with the Navient representative. She verfied my account and said I qualified for the repayment option. I gave her all of the facts about my financial circumstances to at least tell me how much it could be lowered to ; however, because I had just paid the XXXX balance due, the representative said call back after the statement for XXXX gets generated and before it is due so I can sign up for the repayment option program ( because they like to start it in the month I had not made a payment yet : her words ). \n\nSo, in XXXX XXXX I called in again and gave them all of my information. When she completed running my info, she said my payments would be lowered to about {$110.00} a month from the {$420.00} I was paying. That was great news to me as this would be manageable to pay and I would be able to save to move my family where I live. \n\nIn XXXX XXXX, when the payment for the loan came around it was over {$300.00} and this did not make sense to me from what the representative told me so, I called Navient again! Come to find out she XXXX XXXX my income and it was not accurate so that was on Navient then I gave all of my information except this time the payment was lowered to under {$100.00} ( {$97.00} I believe ). This was even greater news, because I do have a family and I am the only income so this meant more savings for my family, but no. \n\nXXXX XXXX, I go to login and pay my {$97.00} and now I see that I have {$320.00} payment and that is not what the last representative told me and this is not fair. I do not call in to get these lowered because I love to spend my money on crazy stuff. I live, eat and take care of myself and now two other people and this is not fair to us. I have dealt kindly with you all but this is not right. Navient is causing this unecessary hardship. I already stay in apartment complex where they take months to fix your heat and your A/C ( by the way my family does not live here because of the living conditions and because of fair housing act I ca n't break my lease but they mistreat me and not keep the property up to par for my family to move in??? Who can I complain to about that part of my life? Now I have to keep begging Navient like you are some big oppressor that has shackles around my ankles to please reasonable lower my monthly payments? ) I had to get two new tires for the front my car over the XXXX holidays. Nearly emptied my savings. \n\nNavient offers these programs. I the borrower did not make them up! I did not put the rules in them nor come up with that formula that calculates a payment ( that I honestly could have afforded ). That is Navient 's solution offering. Please live up to your services. Please rectify this. I have to get two more new tires for the back of my car today so do you think I will ride around for another I do n't know two months with tire pressures lower than 10 or pay you Navient? I am not paying Navient until Navient rectifies this. I already paid the fee it cost to initate the program. I am not paying for this because this is the very reason I initiated it. I need help not more money to give you Navient.","date_sent_to_company":"2017-12-16T17:20:09.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"462XX","tags":null,"has_narrative":true,"complaint_id":"2757255","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-12-16T16:46:02.000Z","state":"IN","company_public_response":null,"sub_issue":"Problem lowering your monthly payments"},"highlight":{"complaint_what_happened":["I gave her all of the facts about my financial circumstances to at least tell me how <em>much</em> it could be lowered to ; however, because I had just paid the XXXX balance due, the representative said call back after the statement for XXXX gets generated and before it is due so I can sign up for the repayment option program ( because they like to start it in the month I had not made a payment yet : her <em>words</em> ). \n\nSo, in XXXX XXXX I called in again and gave them all of my information."]},"sort":[8.384649,"2757255"]},{"_index":"complaint-public-v1","_id":"3501991","_score":7.7911034,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"On XX/XX/XXXX, I obtained a {$3500.00} loan from Rise Credit through their website, Risecredit.com. I was invited to apply for a larger loan after paying off a smaller loan from them in full. The terms of the loan were confusing, in that I was told I would be able to pay it off sooner and that the payoff would reflect monthly payments being applied both to principal and interest. The loan agreement also stated that my interest rate would not exceed 25 %. Specifically, Rise stated it was acting as a \" CSO '' ( whatever that means, they were taking my payments and structured the loan so I don't understand this ). The loan agreement stated that Rise was charging me a fee for \" helping you to obtain from an independent third-party lender ( the Lender ) an installment loan with an annual rate of interest not to exceed 25 %. '' My monthly payments were {$590.00}. I made a first payment on XX/XX/XXXX, and a final payment on XX/XX/XXXX. I made a total of 9 payments, totalling {$5300.00}. When I saw the payoff after my last payment in XXXX, Rise claimed I still owed {$3500.00}. The interest rate was much higher than the maximum rate of 25 % as promised in the loan agreement. Also, Rise did not apply any of my payments toward the principal. At the rate I was going, I was never going to pay it off, not even in the time period described. I believe Rise breached the loan agreement based on the above and misrepresented and/or provided loan documents that contained conflicting terms on what the loan was going to cost me.. \n\nUnder the terms of the agreement, I was required to pay Rise via ACH authorization. In the loan paperwork, it states that I have the right to revoke that ACH authorization. So, in XX/XX/XXXX, I contacted my bank and instructed them to stop payment. \n\nToday, XX/XX/XXXX, I received a call from the XXXX County Clerk of Courts located in XXXX Ohio, indicating that they were planning to serve me with papers that included an affidavit for fraudulent conduct. He gave me an affidavit number, stated that it was being filed by \" XXXX XXXX XXXX, '' and gave me a telephone number XXXX XXXX XXXX XXXX stating if I called them, they could order the paperwork revoked. The telephone I attempted the clerk gave me was for an out-of-state XXXX number. \nI immediately called the XXXX number. A woman answered \" Law office. '' She did not identify the name of the office. I asked to speak to an attorney. She told me that she handles calls for several attorneys. She would not give me any names and asked for the affidavit number. I gave her an affidavit number and she connected me with a woman who identified herself as \" XXXX. '' XXXX is not an attorney. She stated the attorney was out of the office. She refused to tell me the name of the attorney. She then told me that \" they '' filed a criminal complaint against me for revoking the ACH authorization. She stated I broke the law because what I did was like \" writing a bad check. '' She then said that I need to give her my telephone number and that the attorney would call me in 30 minutes. She said that she had authority to call the clerk and have the actions \" temporarily  dismissed '' but that I would have to pay the attorney {$4500.00} PLUS his attorney fees. In 30 minutes. I asked her for more information. She mentioned that an \" arbitration was in process. '' I asked her what she meant by \" in process. '' She then told me \" Since you are such a smarty pants, forget it '' and said words to the effect that she was going to let them come get me and that I'll need to figure it out on my own. She then hung up on me. I still don't know who this attorney is or what the name of the office is. \nI was terrified that criminal charges were being filed against me. I believe I had every right to revoke the ACH authority. In fact, it states in the loan agreement that \" This ACH authorization is a payment mechanism only and does not give us collection rights greater than those otherwise contained in this Contract. This ACH Authorization does not constitute and is not intended to constitute a security interest under Ohio law. \" Yet they have threatened me with criminal prosecution, as if I stole something from them. They don't have a security interest in my bank! \nI was so terrified that I went to the Rise website today. My account is still active. In fact, when I signed in, I was immediately greeted with a message on the homescreen that Rise was giving me a payment offer to settle the account. I clicked on the link and was given the option to either pay {$2800.00} within one week ( much better than {$4500.00} plus attorney fees in 30 minutes, but I don't have that much money ), or do 4 monthly installment payments of {$880.00}. I accepted the payment offer of {$880.00} and now have the first payment scheduled to be charged on my debit card on the XXXX. \nI am so upset and stressed. I do not believe I should have to pay them any more money, but I don't want to deal with criminal charges. I feel that Rise coerced me into a payment plan on a debt that I dispute. What's even worse, and a slap in the face, is this ACH language in the repayment confirmation that Rise sent me by email tonight : \" This ACH/Debit Card Authorization is subject to the following provisions : ( 1 ) Right to stop payment and procedure for doing so. If you have told us in advance to take payments out of your Bank Account by ACH or Debit Card, you can stop any of these payments. Here 's how : Call us at XXXX XXXX XXXX XXXX or login to My Account prior to XXXX XXXX.   central time the day before the payment is scheduled to be made. You may also contact your bank. \" So, right there, Rise acknowledges that I can contact my bank to stop the payments. Yet, they have threatened me with criminal prosecution for doing before. \nRise has abused the ACH procedures to their benefit, in what I now see was a fraudulent, unconscionable manner.","date_sent_to_company":"2020-01-24T15:08:37.000Z","issue":"Struggling to pay your loan","sub_product":"Payday loan","zip_code":"44135","tags":null,"has_narrative":true,"complaint_id":"3501991","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Risecredit, LLC","date_received":"2020-01-19T04:02:15.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["She mentioned that an \" arbitration was in process. '' I asked her what she <em>meant</em> by \" in process. '' She then told me \" Since you are such a smarty pants, forget it '' and said <em>words</em> to the effect that she was going to let them come get me and that I'll need to figure it out on my own. She then hung up on me. I still don't know who this attorney is or what the name of the office is. \nI was terrified that criminal charges were being filed against me."]},"sort":[7.7911034,"3501991"]},{"_index":"complaint-public-v1","_id":"4792850","_score":7.667715,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"13 hours and about 15 to 17 agents of talking i have been called a lair and more. I was so fed up I sourced everything myself and called back. So before i detail this list heres what at least 7 associates and supervisors saw and had no excuse for after sourcing.\n\n24/7 Access to your Full Card Information Securely access your full credit card information from your phone so you can make a purchase even if your wallet isnt nearby. XXXX XXXX XXXX The FTC Act prohibits unfair or deceptive advertising in any medium. That is, advertising must tell the truth and not mislead consumers. A claim can be misleading if relevant information is left out or if the claim implies something that's not trueXXXX XXXX XXXX  https : //www.ftc.gov guidance ad... \nAdvertising and Marketing on the Internet : Rules of the Road I took a hit to my credit for a credit line via XXXX that was guaranteed to be accessible instantly as the reason of applying at all. The in store advertised a temp virtual 24 card number that never came. 4 days of calling and seeking help via chats with Walmart, they were aware of a capital one related error here. After massive run arounds on XX/XX/XXXX 4 days after approval they fixed the accounts but now declined the shopping pass. Catch was they also effected alternative accounts that did have full access to viewing my card info online digitally for us digital wallet users. They completely bricked the account in this manner. I needed not even my new card, but other card numbers so i can get gas or refund a product that requires I confirm my card number to my XXXX XXXX. When I talk to people now they act ignorant i have been a customer for alternative cards for literal years with foot in their mouth when I question previous statements. They are even asking me very personal information that can lead to identity theft I assure entry level members dont have access too. After XXXX hours of different techs, managers, associate members, etc on the phone the solution when they think they are immune to false advertising here they either hang up or transfer you against your will or consent during mid help. At least occured in hang ups 6 times. They name call and more thinking the consumer is phishing when I am giving out more verifications than XXXX XXXX even requires for a Drivers License. Only thing they dont have now is my XXXX XXXX . They tried to speak as if this info changed last couple days or so, but according to archieve.net aka a way to screenshot the history of webpages average people dont know, this is also a XXXX load meant to put consumers off. Another manager of all people said my issues from XX/XX/XXXX was from account issues on XX/XX/XXXX. Have fun figuring the thought police logic to that. My solution was 1 of 3. Take 24/7 access off the marketing of their cards and page as its false and blatantly misleading by even their own staffs words, they can give my access back even if that meant closing that account down to do it immediately for the hardship this caused, or explain a regulation that Capital One may have lobbied for to get away with its misleading practices. I was guaranteed instant access when applying and now I have access to none of my cards info while capital one blamed me for ever applying. So I was accused of applying for a card that has these features including a 24hour shopping pass temp card number and cause capital one glitches out merging older accounts that I was a security risk and all other sorts of nonsense the next associates cant back up with new sets of excuses. Now because I took a hit to my credit they can falsely advertise and make us source the website going oh well. Last I checked if I ordered a hamburger and fries to not get fries, they cant make excuses for not giving me fries. They have to refund it or replace the issue. I was hung up on when I seeked a solution. So until I get my 24/7 access again that's advertised \" 24/7 Access to your Full Card Information Securely access your full credit card information from your phone so you can make a purchase even if your wallet isnt nearby. '' with no asterisk or XXXX XXXXhat clarifies anything, I feel something must be done. Ive seen people die from covid cause of medical bills and credit companies being hard to work with in hardship. With capital one admitting they have bulk call and admit they tell their customers post signing up for service this isn't a 24/7 service, they in retrospect open admit to using this false advertising as a tactic to sign up. Both Walmart and Capital One os a complete joke as far as getting any reasonable or pragmatic reason for it. They just admit its wrong, but it is what it is. If XXXX cant start a business doing such perverted and misleading practices, neither should companies that people truly rely on through financial hardships impacted by covid. This issue could saved someone's life that is in these bulk calls seeking an urgent solution. XXXXmagine struggling to breathe. Now imagine me after 13:30hours of trying to get a straight answer for their related errors on their end and why i should be the XXXX here breaching contracts with these credit card companies. Mine was a gas issue I relied this on, so if my gas was covid health related, this could have been what lost us another life just needing meds paid for. The hardship of not just me complaining needs noted but the bulk of Capital Ones Customers that gets left behind from their willfully financially misleading practices to market their service to sell to new gullible users. All I wanted was a pragmatic answer. I do work in XXXX XXXX, so not a single excuse they have can be used for even a fraud claim after the phishing they did to verify myself numerous times. This is a con that needs heald accountable. I shouldnt have had to teach Customer Service Management what the Website says let alone had reveal as much as I did. I feel the FTC is very good about specifically stating false advertising and its legal definitions. I truly feel as a reasonable person standard that the privation I went through was unruly to cause this hardship in effect. So many ways they could have handled it rather than running away when they were caught being fraudulent with their marketing.","date_sent_to_company":"2021-10-08T20:08:13.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"26101","tags":null,"has_narrative":true,"complaint_id":"4792850","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-10-08T19:14:31.000Z","state":"WV","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["Take 24/7 access off the marketing of their cards and page as its false and blatantly misleading by even their own staffs <em>words</em>, they can give my access back even if that <em>meant</em> closing that account down to do it immediately for the hardship this caused, or explain a regulation that Capital One may have lobbied for to get away with its misleading practices. I was guaranteed instant access when applying and now I have access to none of my cards info while capital one blamed me for ever applying."]},"sort":[7.667715,"4792850"]},{"_index":"complaint-public-v1","_id":"4589496","_score":7.0907693,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"***THIS IS REGARDING A PPP LOAN*** XXXX XXXX XXXX AZ Amount {$3200.00} Status Disbursed Current Loan XXXX App XXXX Funded XX/XX/XXXX Lender Name : Prestamos XXXX , XXXX A common question were getting is around Are my funds secure?. If you are already approved by the SBA, the answer is YES. As soon as you have your SBA loan number, that money is set aside specifically for you and has to be funded. \n\n\n\nI applied for my second PPP loan with XXXX. XXXX farmed this loan request along with about XXXX other loans to Prestamos XXXX, XXXX. After hurdles, jumping through hoops, I received SBA approval and was provided loan documents that were signed and supposedly legally binding. Those documents were provided by XXXX on XX/XX/XXXX by way of Prestamos to sign. I was advised on XX/XX/XXXX by my bank XXXX, that the funds in the amount of {$3200.00} were being returned to Prestamos XXXX. I knew this was going to happen and attempted to update my bank information prior to the money being returned but was denied. Ultimately the money was returned. I immediately attempted to reach out to both the lender and the third party XXXX. Prestamos completely wiped their hands of the matter. Despite having contractually entered into a loan with myself, and then, LYING TO THE GOVERNMENT in having public record reflect the above, that I had the loan funded and the funds were dispersed to me. \n\nThe funds that were supposed to be designated for me and reissued, as any lender would clearly do, are MIA. I have documentation on top of documentation of this whole ordeal to demonstrate that despite currently being legally bound to a loan that has been accruing interest since XX/XX/XXXX, the lender has not once reached out to myself or the SBA to correct the information. My thought process is that this is illegal and this is being done thousands of times over by many individuals who online are advising of this same situation. \n\nThe final nail in the coffin, after being directed to XXXX for any and all remedies to some entity who is not my lender, did not sign the loan documents, was now they are attempting to request extra information under threat of voiding out my loan, and they are in no way shape or form qualified or designated to do such. Yesterday, XX/XX/XXXX I received a call directly from an assistant to one of the district SBA members I had been in contact with. She told me directly and minced no words advising me in an expletive laced frustration the facts of what is happening. She said XXXX asked, and Prestamos had agreed to funds some loans. Problem was that XXXX sent over about XXXX loans in the final days of the PPP program. The money was allocated and dispersed, and I had the funds within my grasp. However, certain companies aren't designated to receive government funds, which caused a litany of returned funds. Instead of HOLDING AND SAVING those funds for the individuals it was meant to go to originally, Prestamos and XXXX utilized those funds to the fullest to cover those who were able to receive funds and disregarded all those who had funds returned. That is why I had months of stress and angst as I reached out to exhaustion to get much needed funds that were mine. I lost a sister to XXXX, and pleaded with them to honor their contract that I am on the hook for and have accrued interest on with them reflecting I have been funded. She said that at this point, Prestamos did get the funds back, but it is falling on XXXX who is scrambling to find lenders to cover these loans that were already supposedly guaranteed as you can see from the above wording of what to expect if you have been SBA approved. \n\nNow I am being fed lies daily saying 5 to 7 more days. I am seeing individuals in droves being denied after being SBA approved and told that they dont qualify now that this third party non lender XXXX  is reviewing additional information they are in no way even trained to handle and I cry FOUL! I already signed and now they want a full 1040 Tax Return from XXXX or XXXX. They want it to be filed and received by the IRS and documentation to support that. They advertise to this day on their site that you only need the Schedule C to qualify and also that they will help you fill out that document to drum up more business back when they were giving away money to everyone for tens of thousands. Now, they know they bite of far more than they can chew due to greed and are denying the remaining marginalized minorities and woman and the small businesses that were allowed additional time to submit for the remaining funds in the program. \n\nThe reality seems they are stringing people along, for the most part, those who had funds returned and expecting to either have them get so frustrated that they quit trying and hope for a class action lawsuit ( which I'm 1000 % sure is coming ) or they are outright denying myself and others. Here is an example of what the non bank service provider is taking upon themself to state : \" Hi. During our review and processing of millions of loan applications, we have continually added protocols to eliminate applications that do not meet the standards of the Paycheck Protection Program. Some applications had been selected by our underwriting algorithm for further verification, which we communicated via email. As part of our process, which includes a manual review by our service team, we determined that some application no longer meets the necessary standards for PPP loan funding. We know this is frustrating but unfortunately, this decision is final and can not be appealed. '' Granted, I myself have not yet been denied. But this whole issue is out of control. The unfair and deceptive business practices of saying I received a loan that was never received after it was returned. The stipulation now that they need additional information that was never required of anyone else previously, which I have a suspicion is meant to weed out more individuals to deny and one such message said they will contact the SBA to have the approved loaned backed out since despite having had the money free and clear before the bank returning the funds, it doesnt meet this non financial institution threshold of what they perceive is the standard for qualifying for the PPP. \n\nThis is just so fraudulent and appalling that the government had selected such a shifty entity to service Americans and through their greed they are hurting small businesses all over. Not only did they not allow me to update bank information to get my funds redeposited, they are working with a prepaid card company called XXXX which is a whole different headache that I vowed to avoid in petition after petition that I will not be funded by a prepaid card for my business. But the fact that most are and did due to them forcing individuals to do so again pop out to me as another greedy push to profit themselves. \n\nThere is so much wrong and bad going on here that I can go on for days and days. The biggest part is the lying on the SBA sites for hundreds of thousands of loans that may have been or may have not been funded. For those who didnt get funded, its gon na be a rude awakening down the line to find out that you are being charged not just interest but that you are on the hook for a loan not received or that was received and after being forgiven, they still go back and charge the government for accrued interest from a date that isnt even the date the funds were actually dispersed. I see this as another ploy as to why they are slow in doing anything for individual seeking money be resent, because they are making money both ways, interest on the money Prestamos received back and is holding under false pretense, and interest from the money that is marked as dispersed with an invalid date but they will still collect fully despite it being falsely reported. \n\nAll in all, its is about me and my issue with the money I havent received that i am having reported has been and the illegal nature of just that. But also I am concerned with the whole gambit of issues and optics this creates. I am a XXXX business owner. This all fell apart after those that are not the majority were turned away from the free flow of money that the news shows was abused and given in unbelievable amounts with little to no verification to companies and individuals who are bad actors. Now I am legitimately given the opportunity along with woman and small businesses and the underserved, and the blantent Reg E and other violations that are being made under the guise of being supported by the SBA is disheartening. It's not right, it's not fair. I have an official signed contract with Prestamos and I will no longer let them sit silent and send me to submit tickets to XXXX for money they owe me. They have both made billions of dollars with this PPP program. I demand Prestamos be held to account and pay me what I was contractionally agreed.","date_sent_to_company":"2021-07-30T21:29:00.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"85027","tags":null,"has_narrative":true,"complaint_id":"4589496","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"PRESTAMOS RAPIDITOS","date_received":"2021-07-30T19:38:18.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Instead of HOLDING AND SAVING those funds for the individuals it was <em>meant</em> to go to originally, Prestamos and XXXX utilized those funds to the fullest to cover those who were able to receive funds and disregarded all those who had funds returned. That is why I had months of stress and angst as I reached out to exhaustion to get <em>much</em> needed funds that were mine."]},"sort":[7.0907693,"4589496"]},{"_index":"complaint-public-v1","_id":"9863501","_score":7.018532,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Around XX/XX/year>, my husband and I decided to visit XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX, to search for a car for myself. I had a limited check from my Credit Union and was looking for an affordable car. We stepped into the dealership thinking I would receive professional help in choosing a car I was interested inthe XXXX XXXX. We met with one of the salesmen, and I immediately informed him of my budget. Despite my clear financial limits, he relentlessly tried to convince me to finance with them, urging me not to \" marry '' my bank. This was a bank that knew my yearly income and had already decided I had a limited loan amount due to my income and lack of history with large loans. The salesman knew this, and he also knew that my husband and I had no knowledge of carsI even mentioned that I was there seeking help. But instead of helping, he took advantage. The salesman quickly shifted gears and steered me away from the XXXX XXXX, pushing the XXXX XXXX instead. He claimed it was the same price but a much nicer car. He pressured me over and over, using every trick in the book to force me into a decision. He even lied about the price, the rates, and when the financial part was finalized, it turned out to be much higher. I didnt purchase any add-ons, no gaps, nothingjust the car. It was clear from the start that the salesman was out to trick me. After some days had passed, I made the decision to go back to the dealership. I didn't want the car the salesman had pressured me into getting. Despite feeling anxious and stressed from my previous experience, I still held out hope that I could inquire about another car, the XXXX XXXX XXXX The reason for this is that I didn't want the car that had been decided for me. When I spoke to the salesman, I expressed that I felt a lot of pressure from him and simply wanted to learn more about the XXXX XXXX XXXX, as it seemed to be in a similar price range to the XXXX XXXX. Instead of understanding and empathy, the situation took a turn for the worse. It turned into a nightmare. The sales manager entered the scene, bringing even more pressure. I reiterated that I couldnt afford the car and that I was only there out of curiosity. But my concerns meant nothing to them. The pressure became unbearable. From the moment he appeared, the sales manager was disrespectful and condescending. He even made inappropriate comments about my jewelry and tattoos, suggesting that I like to spend money on those things, and I dont know what the purpose of these unnecessary comments was. I told him those comments were irrelevant to the situation, but he persisted, using them to justify why I should buy the car. This behavior was humiliating and degrading. They initially quoted me nearly XXXX for a XXXX XXXX XXXX outrageous amount for a basic car with no add-ons or gaps. The pressure kept building, with the sales manager insisting that I needed to make a decision right then and there. I told them repeatedly that I needed at least a day to think about it, but they wouldnt relent. They lied, pressured, and manipulated me until I was cornered. Finally, they brought the price down to {$26000.00}, but not without one last insult. The sales manager in front of me said to the salesman, Shes not getting three years warranty and XXXX with us. When I asked why, he casually said, Youre getting it from the manufacturer, and when I questioned further, he said, Youre getting the oil change. I was confused, lost, and completely overwhelmed. I had no idea what was happening, and they knew it. They took full advantage of my lack of knowledge about cars and warranties. They kept me there for hours, breaking me down until I was forced into financing something they perfectly knew I couldnt afford. I had told them I was broke, yet the sales manager smugly said to me, We make money off broke people. Those words have haunted me ever since. After leaving the dealership that night, my XXXX  spiraled out of control. I couldnt sleep, and I cried every day. They had seen my vulnerability, and they exploited it mercilessly. I felt discriminated against, mistreated, and completely powerless. To make matters worse, one of the salesmen jokingly told me that if I didnt leave him a great review, he would have to go back to his country. As an XXXX  myself, this comment was not only discriminatory but deeply hurtful. It was a cruel and unnecessary remark that only added to the pain and humiliation I was already feeling. These people were utterly unprofessional and disrespectful. After enduring several horrible days because of this experience, I decided to complain. I tried to reach someone higher up, and eventually, a woman from customer relations contacted me. I shared everything that had happened, telling her how anxious I was, how I never wanted to set foot in a dealership again, and how this experience had scared me. She seemed to understand and promised to connect with the team to find a solution. By the end of that week, I called her again, hoping for some resolution. She suggested a meeting with the general manager of the dealership, which I agreed to. After some back and forth, we finally scheduled the meeting for Monday at XXXX XXXX. The general manager was polite and apologized for what had happened, but there was absolutely no solution offered. The general manager said he would email XXXX to see what they could do, but nothing ever came of it. When I followed up, I was told there were no answers from XXXX, and he apologized again. He said they would use my experience for future training. On the other hand, he sees no problem with the price of the XXXX XXXX XXXX, as it is a fair price -- a statement I knew was false. Based on my own research from XXXX and the Texas Department of Motor Vehicles, the car is worth less. I was ripped off, plain and simple. They knew from the very first day that I couldnt afford this car, that I had no understanding of the process, the pricing, or the business. They took advantage of every weakness I had. As the sales manager so brazenly put it, We make money off broke people. They saw me as an easy target, and they exploited that to the fullest. To this day, I have received no solutions despite the promises made. I feel utterly betrayed and devastated by this entire experience. I trusted them to help me, and instead, they took advantage of my trust, my ignorance, and my financial situation. This isnt just about a car ; its about how they preyed on me, knowing full well I was in no position to defend myself.","date_sent_to_company":"2024-08-20T17:04:01.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"78749","tags":null,"has_narrative":true,"complaint_id":"9863501","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","date_received":"2024-08-20T16:45:33.000Z","state":"TX","company_public_response":null,"sub_issue":"High-pressure sales tactics"},"highlight":{"complaint_what_happened":["He claimed it was the same price but a <em>much</em> nicer car. He pressured me over and over, using every trick in the book to force me into a decision. He even lied about the price, the rates, and when the financial part was finalized, it turned out to be <em>much</em> higher. I didnt purchase any add-ons, no gaps, nothingjust the car. It was clear from the start that the salesman was out to trick me. After some days had passed, I made the decision to go back to the dealership."]},"sort":[7.018532,"9863501"]},{"_index":"complaint-public-v1","_id":"3721533","_score":6.9434996,"_source":{"product":"Mortgage","complaint_what_happened":"To whom it may concern, I am writing in regards of the treatment my husband and I have received by a Chase lending advisor. Here is my Loan Number : XXXX if it`s helpful to find me in the system. The lending advisor`s name is XXXX XXXX XXXX XXXX XXXX. We were doing the loan refinance process with him and from the very beginning things were messy and unclear, with little detail on his side and overall very vague description of everything and left us feel unclear about the steps in the process. \nHe had confirmed closing costs of {$5000.00} on an email and refused to correct this in the initial disclosure as he described that the final and corrected amount will be reflected in the final disclosure documents. It felt like a lengthy process, which we had started on XX/XX/XXXX, when we first signed the disclosure, and we were informed of the final approval on XX/XX/XXXX. As expected the closing costs were different from what we had prepared ourselves for, which involved him having to make corrections to match the {$5000.00}, which we had agreed upon. I had his confirmation in writing, otherwise I sincerely doubt he would have honored it. And here I would make a note, that he mostly liked talking on the phone and when I insisted on having something important as numbers or confirmation in writing, he would oppose and prefer to just call. Well, most of the time he either doesn`t remember things, or conveniently says so, but for the sole purpose of having a peaceful mind that I have a backup, I preferred to have things in writing. This is a good example of a situation where had I not have it in writing, he wouldn`t have honored it, and I am assuming it because he asked to see my emails before he confirmed he would honor this amount. \nI am writing the above just to give a little background of the situation. The thing I am mostly hurt and take issue with is his attitude. The evening, in which we were discussing the final disclosure- XX/XX/XXXX, we addressed the closing costs and that he had not corrected them as we had agreed upon in an email from XX/XX/XXXX. He agreed it was missed on his part ( only after seeing the proof of his confirmation in an email correspondence ) and he will revise the documents. However, the conversation felt as if we had been judged. The difference of the mistake on the closing cost numbers was roughly around {$250.00} and he kept referring to our actions of trying to have this adjusted to what was promised back in XXXX as nickeling and diming. His words were : Guys, you are nickeling and diming here. What I take issue with is that his words sounded very judgmental, categorizing us as people, who are paying attention to such a small amount of money. I feel like this is none of his business and moreover if it`s such an insignificant amount, why not come out of Chase, but has to come out of us especially being his mistake. I do believe that no matter what value one may attribute to something it could hold a different value to another person, and it is not his place to attribute value to my money according to his perspective. Another point I take issue with is that he emphasized on the fact that we had lost his assistant XXXX`s time the day before, and he repeated it on 2 separate occasions. Here is what happened with XXXX, I would really like to explain as this sheds light on another issue. XXXX called me on XX/XX/XXXX at XXXX pm. The phone call lasted XXXX minutes and I have a screenshot of that. This leads me to believe that XXXX had complained that we lost her time and that also leaves me with a bad impression as it gives me the feeling we have been discussed between these individuals in an unprofessional and gossiping manner. A little insight of the conversation with XXXX on XXXX XXXX she called me to inform me of the fact that we have been officially approved and to schedule a closing date. My initial impression was this was all that the call was going to be about as we had not have any documentation sent to us at that point. We agreed upon a date for closing and XXXX started throwing numbers at me. Different amounts of different charges, such as title cost, insurance, fees etc. I was really not prepared as I had no document in front of me to be able to follow her and I informed her of that. She said the document will be sent to us to view sometime the next day. I never wished to discuss anything regarding numbers with her that day especially when I did not have a document to look at and all I could do was just listen to her mentioning long numbers. The reason I am describing this in detail is to explain that in contrast to what apparently XXXX believed was a loss of her time and I was to blame, it was never my intention to discuss detailed information without being able to prepare myself. If she XXXX started addressing the numbers I would`ve never asked her to go into such detail. I felt really offended when I found out by XXXX that XXXX was complaining I had lost her time. \nAt the time I was in between employments and apparently had additional verification of employment on a day that I was technically unemployed. The phone call from XXXX XXXX XXXX XXXX came on XX/XX/XXXX around XXXX and he was furious and rude. He kept throwing accusations at me, saying things like : you lost both mine and XXXX time when you knew you were unemployed, the {$250.00} you paid so much attention to is the least of your problems right now. His voice was so loud and it felt like he was yelling at me. At one point I had to tell him that he is very rude and I am not allowing him to talk to me in that manner. He then apologized and said sarcastically : I am a XXXX, it`s the way my voice is, it`s not that I am yelling, it`s just how it is, ask my parents. The whole sarcasm of that particular phone call was so unnecessary. It really felt as if he was delighted by being given a chance to somewhat get at me for the lost time or whatever grudges he may have been holding against me. He was really unprofessional and talked to me in a very rude manner. I am hoping you are recording these conversations so you could hear it. He spoke/yelled to me in a condescending manner, making me feel like the lowest of the low for the fact that I had been laid off in such an unprecedented time, where people are struggling all over the world, mocked me for the {$250.00} being the least of my worries right now as if some evil force was over me. This is the highlight of my bitter experience with this person. \nAfter I sent XXXX my work offer on XX/XX/XXXX, he had told me it will take about XXXX additional days. I am writing this update XXXX XX/XX/XXXX and I still have not closed the loan. Like I said previously, one never knows what he possibly means when he expresses himself. If I look at it from the perspective of the 4 days being business days it is still way past this amount of time. My initial impression is cemented by this, once again, vague description of what to expect next in the process. It is never clear. Today, only after my request for an update XXXX informed me that the one thing they are waiting for is the confirmation from my employer. My colleagues checked all emails, spam folders, faxes etc, there was nothing received. I am simply thinking, had I been waiting without asking for an update, when would she have thought of either follow up with me or attempt to resend the request. Another thing that bothered me is that I emailed her asking for this update at XXXX am and her reply came at XXXX pm. After also calling her phone number, leaving a voicemail with no return call, I just imagined she had taken a day off. Clearly this was not the case, she simply gets back to me with delay. In her email she says : \" We will need to extend rate as it expires today. '' To which I replied asking her to elaborate as I have absolutely no clue what this would mean and in what ways financially or possibly timewise it would affect me. Turns out from her next email there may be a charge for this extension. Mind you this was the first time I ever heard of this even being a possibility, and when do I learn I will possibly be charged extra- the day of expiration. How convenient. Had I not reached out to ask for an update, I wonder if they would have even told me the rate is about to expire. To my further questions, asking for clarification and what to possibly expect with this extension of the rate, XXXX replied in a typical vague fashion, telling me he will call me the next day to go over options. After having the experience of learning things last minute my mind started racing and I had scenarios in my head that what if by options he meant conditions will change altogether, meaning rate and closing costs etc. He later clarified with assistance of management they will try to extend without further cost for us. However, I am especially irritated by the whole method of communication being so unclear. I called XXXX XXXX additional times that day. One of the times she hung up on me on the second signal. The last time she hung up as soon as the first signal. It was clear her phone was not off, but she was hanging up. \nXXXX XXXX emailed XXXX XXXX XXXX ask for an update. Also had called her cell phone. A little background on this- she used her cell when she was calling me previously, so I had saved it to my phone in case I ever needed to contact her. I used the same number I saved to reach her and she replied to me ( As seen on file Capture 1 ) with I also received your voicemail on my cell phone. Please call me on my office line if you have any questions.. This was very rude, because if she ever used her cell to reach out, s he shouldn`t be surprised people are using that phone number to reach her. And she emailed me, never called back. The way she specifies how she had received my voicemail, while not returning a call is rude. I am really at the final stage of dealing with these people and not want to tell them this to their face, but it is a torture to work with them. She never gives an estimate. I had emailed asking what`s the estimated time for the process to come to a final stage, and she said they were currently in about 72h underwriting. This was on XX/XX/XXXX. I guess this is partially my mistake for not specifying that my question meant how much longer total until we can go to closing and the way she responded was more like answering the timeframe for a stage of the underwriting. \nOn XX/XX/XXXX I received an email from XXXX, confirming that we can proceed with closing and she informed me that we will not receive a closing date and time and view the closing disclosure until we can schedule an exact timeframe. I informed her of when my preference would be and she replied that they are currently waiting for my husband`s employment confirmation from HR. The amount of closing cost that XXXX gave me in the email was {$5300.00}, which is with {$300.00} more than what XXXX and I had previously discussed. XXXX called me after close to XXXX from my initial phone calls, voice messages and a text at XXXX, he called at XXXX am. He informed me that closing cost is {$5000.00} and money owed at closing - {$5300.00} because it consists of the {$5000.00} plus interest. I asked what is the {$85.00} charge for and he said it is for extension of the rate. He angrily and in his usual way of communication with a raised voice told me that he had to extend the rate twice and that instead of me being appreciative I am finding issues with this. And he said in his ironic fashion I didn`t think this would be such a big issue, referring to the {$85.00}, making it sound like it is insignificant. Well, it could be insignificant, but my issue is not with the money, but with the attitude. I told him that it is not a big issue, but it is still an issue. And that I simply had a question because I did not know where the {$85.00} was coming from. I expected my questions to be answered without ironic remarks. I still do not agree with the charge of {$85.00} because when we spoke in early XXXX, to my question if the process will take as long as it had so far, he replied that it would take around 4 days in addition. Well, it took close to 40 days since then. If he is saying that my rate extension charge of {$85.00} is something I should owe, how about him giving false estimates. If we really fit into the timeframe that he initially gave, maybe this charge of {$85.00} wouldn`t have been owed. I have been always polite with him and have talked to him with respect, and sadly did not get the same in return. He blamed me for not being happy and no matter the time they spent on my loan application, I was always ungrateful and in his own words this loan is not going to get us a trip to Hawaii. I don`t know what he was trying to accomplish with being sarcastic, but the way I take his comment is that my business is not giving him enough $ and implying I am a difficult customer, who on top of all his efforts is still unhappy. I informed him that I am not happy about his attitude and the way he raises his voice at me and I will try to have as minimum communication as possible with him until closing. The one thing I give him credit for is the fact that he was available almost all the time. However, I respectfully asked before calling if it was a good time and made sure to honor his best available time as well. For him to imply that I was bothering him with questions and that they as a team spend so much time for my application, and not getting a trip to Hawaii in return was a tacky thing to say in my opinion. Overall, I just wish I had gone with another lending advisor and I even worked with XXXX XXXX, and I am sad I did not proceed with him, but chose XXXX as being local. Well, I at least learned where not to go for the future. \nWe have closed our loan finally. I had asked XXXX manager- XXXX XXXX to step in and she approved myself to be refunded the amount of XXXX. She agreed to it and said she had approved the refund and that XXXX was the one to make it. We spoke on XX/XX/XXXX. At that time she said it will take approximately 5-10 business days. She informed me in her last email that the refund was approved. I find this an odd thing to say- I am not asking if it was approved or nor, I am asking why is it still not reflecting in my credit card. Being approved, but apparently taking so long is not helpful. We all know that if I am late for a payment of my credit card I will automatically be charged a late fee. I find it really offensive for the bank to take an opposite approach to this when it comes to refunds. I am writing today- XX/XX/XXXX and have not received any refund yet. I followed up with her on XX/XX/XXXX and asked for an update, to which she said it has been approved. This is the only thing she said and she did not reply to my email asking why it`s past the 10 business days and how much longer I should wait. The other thing I`d like to request is the fee for rate lock extension of {$200.00} to be refunded to me as well. XXXX never informed me of exactly how much this fee would cost. He mentioned a fee of {$85.00}, which I never saw on the documents, and I am guessing this {$85.00} he was referring to is actually the {$200.00}, which Is what my fee ended up costing in the end. After obtaining the disclosure I then asked where exactly in the documents the specific fee of {$85.00} was displayed and he couldn`t point out. Then I asked him to walk me through and opened the lock in agreement and was looking for the amount of {$85.00} and could not find it. Then he said that it is not {$85.00}, but {$600.00} and he took care of some of it. I then asked where in the document the amount of {$600.00} is displayed and he kept going back to state that my closing costs were a little below {$5000.00} as agreed and he kept avoiding my direct question. I kept going back to it because it bothered me the way he emphasized on the fact that I had signed the documents and was referring to it like it`s something I signed and do not remember. But it was clear that when I had a question specifically related to the dollar amount of the fee he could not answer. Because there is none and this is the fact. To my question why I was not informed of the need for the fee to be extended he arrogantly said that it is something I had signed and should know myself and it`s not his duty to remind me. Like I previously said- I do not see the need to be charged anything for it to be locked since 1.XXXX never informed me of the exact amount, 2. The documents pertaining to the rate lock extension fees contain {$0.00} in the fee section and 3. It was the bank`s timing causing everything to take so long and way past the initial expectation. \n\nI am attaching screenshots of conversations with the above mentioned bank employees and anything relevant to my claims so you could get an idea of my ordeals. Mostly showing that it was really hard to get any written information from the lending advisor and I had to follow up numerous times. Thank you for taking the time to review my complaint. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2020-06-29T21:17:15.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"60007","tags":null,"has_narrative":true,"complaint_id":"3721533","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-06-29T21:03:09.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I guess this is partially my mistake for not specifying that my question <em>meant</em> how <em>much</em> longer total until we can go to closing and the way she responded was more like answering the timeframe for a stage of the underwriting. \nOn XX/XX/XXXX I received an email from XXXX, confirming that we can proceed with closing and she informed me that we will not receive a closing date and time and view the closing disclosure until we can schedule an exact timeframe."]},"sort":[6.9434996,"3721533"]},{"_index":"complaint-public-v1","_id":"4995075","_score":6.872483,"_source":{"product":"Student loan","complaint_what_happened":"Time Period : XXXX XXXX Background : My Federal Family Education Loan ( FFEL ) has been serviced by Navient and its predecessors since XXXX, when I graduated from a master 's program in Environmental Studies XXXX At no time have I missed a payment and at no time have I failed to recertify my annual income as part of a repayment plan. \n\nComplaint : From XXXX XXXX, my loan was in forbearance and no payments were being made. I think no payments were due in part because of the low annual income I had reported on my last income certification in XXXX. Even though my income and financial situation had not changed much since XXXX, my loan servicer, Navient, requires an annual recertification of income. This seems reasonable enough, and I have complied with this requirement for as long as I have been in forbearance, for at least the last 5-10 years, ever since income-based repayment ( IBR ) was started under President Barack Obama. \n\nFor a variety of reasons, this year I made the mistake of not opening several e-mails Navient sent me, including on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Aside from the fact that I get 100s of e-mails a day and that many of my e-mails from Navient, especially on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX, were of a routine or information-sharing nature, requiring no action of any kind by me ( e.g., the e-mail on XX/XX/XXXX was simply to remind me that the Navient website would be down temporarily ), one thing I can say is that the subject lines used by Navient were not entirely clear, which meant that one had to click on and open an e-mail before one could understand what was happening, what was being communicated, and what action, if any, was required. In fact, one of the first e-mails notifying me that I needed to recertify my income this year did not say \" Action Required '' or \" Need to Recertify Income, '' but only \" Your payment will increase soon! '' ( XX/XX/XXXX ) Because my loan was in forbearance or repayments were temporarily forgiven, it struck me as strange that an e-mail would announce that my \" payments '' would increase soon. Given the sensational and somewhat fearmongering quality to the subject line in this e-mail, my first instinct was to disregard it, for fear it was a message from an unscrupulous lender attempting to convince me to move my loan to them. My next two ( 2 ) e-mails ( XX/XX/XXXX and and XX/XX/XXXX ) from Navient both had the bland and uncommunicative subject line, \" New document ready to view! '' In fairness to Navient, however, two more reminder e-mails followed, \" Reminder your payment will increase soon '' ( XX/XX/XXXX ) and \" New document ready to review '' ( XX/XX/XXXX ). \n\nI was awoken from my neglect only on XX/XX/XXXX, when Navient 's e-mail subject clearly stated, \" Action needed - your payment is increasing. '' For some reason, as soon as it was stated that \" Action [ is ] needed, '' I immediately visited the Navient website on XX/XX/XXXX and discovered that I had missed their deadline to recertify my annual income by XX/XX/XXXX. Though by now I was five ( 5 ) weeks past the deadline, the information requested and action required seemed routine, and easily exchanged had the mode of communication ( e.g., US mail or telephone call leaving voice message ) or the words used in the e-mail been different. \n\nMy complaint is that my punishment for missing this deadline to recertify my annual income is {$13000.00}, i.e., Navient capitalized my outstanding interest to my principal once I failed to recertify my income on time. While I fully accept that I was late to recertify my income, I do not feel it is appropriate for a loan servicer to penalize me by adding {$13000.00} to my principal balance, especially given that they could have chosen alternate means for communicating with me about when and how to recertify my income. \n\nI called Navient, and spoke with an agent named XXXX and a supervisor named XXXX, but both were adamant in referring to the precise terms of my loan agreement, especially a provision they called Section 10. When I protested that I had held this loan over twenty ( 20 ) years and never before been allowed to let such an important deadline pass without first being called, XXXX the supervisor said that did not change anything, and that when I was called in the past it was most likely over a payment that was late to be submitted, so the lender was offering the courtesy of notifying me of my failure to pay on time in order that I could make the payment before incurring penalties. \n\nIf there is any way CFPB could reverse Navient 's action, and to remove the {$13000.00} in capitalization of interest I experienced simply for missing a deadline for filing annual income, I would be most appreciative! Failing that, if there is any way CFPB could require loan servicers to communicate more clearly about upcoming changes in terms of the loan, and to allow borrowers, especially low-income borrowers, a certain grace period to overcome any oversights, that too would be greatly appreciated!","date_sent_to_company":"2021-12-09T22:38:44.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"22306","tags":null,"has_narrative":true,"complaint_id":"4995075","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2021-12-09T20:58:48.000Z","state":"VA","company_public_response":null,"sub_issue":"Don't agree with the fees charged"},"highlight":{"complaint_what_happened":["Even though my income and financial situation had not changed <em>much</em> since XXXX, my loan servicer, Navient, requires an annual recertification of income. This seems reasonable enough, and I have complied with this requirement for as long as I have been in forbearance, for at least the last 5-10 years, ever since income-based repayment ( IBR ) was started under President Barack Obama."]},"sort":[6.872483,"4995075"]},{"_index":"complaint-public-v1","_id":"3016103","_score":6.0003552,"_source":{"product":"Debt collection","complaint_what_happened":"Hi. I'm wanting to let you know about a situation that just happened yesterday with Waypoint. Waypoint is a collection agency. They are collecting on XXXX however that company no longer exists. The company is now named XXXX XXXX XXXX. \n\nToday I checked my credit report and I saw Waypoint listed as 1 of only 2 collections. 1 of those collections I didn't recognize so I decided to dispute it but I did have a XXXXe account in the past so I decided I would at least call Waypoint to find out what was going on. I spoke to a woman named XXXX XXXX. She was a very nice collector. She informed me that this was for a bill for services. She informed me that according to the records on file, I last paid XX/XX/XXXX but services were cancelled on XX/XX/XXXX. She said this bill was for those charges. I know I'm not a perfect individual, but I remember cancelling services with XXXX and going in person to turn the equipment in almost immediately. I know for a fact that I asked at the moment of turning my equipment in if there were any additional fees. I was told no. As any person would do after being told they didn't have any money owed, I went about my business and moved on with my life. \n\nHere we are 2 years later and I check my XXXX XXXX to ensure that my credit report is accurate and I see this account on my report. I explained to XXXX that I didn't owe any money to XXXX ; and if I did, why didn't they ever bill me or call me about this debt? XXXX went on to explain that her company had sent me a bill this past XX/XX/XXXX. She said she sent it to a XXXX XXXX address. Unfortunately, I don't live at the XXXX XXXX address. I informed her of that fact and XXXX went on to explain that is why I didn't know about the bill. She said that is also why I didn't receive a bill from XXXX either. I could almost understand her logic but I had to correct her because it was based on a faulty premise. It is true that I no longer live at the XXXX XXXX address now, but I did live there for a little over a year from the date she stated I made my last payment in XX/XX/XXXX. I lived there until XX/XX/XXXX. In other words, I lived at XXXX XXXX 1 year and 1 month after I made my last payment to XXXX. That meant XXXX had ample opportunity to bill me or notify me in any way that I owed them money but they didn't. I explained that to XXXX and what I hear next is what really pushed me over the edge. \n\nNot only was I in collections for a bill that I never knew I owed, but XXXX went on to state that around that same time, XXXX was being bought out by XXXX XXXX/ XXXX and there was going to be delays and confusion. She said it took time for XXXX to figure out what was going on and then take over. I somewhat understood that so I offered her to pay this account off to avoid any lengthy disputes and investigations in exchange for having this account removed from my credit report due to no billing or by her own admission, billing errors. She refused. She stated that her company has to report accurately and what would be the point of the credit bureau if she removed this account. She also admitted that other companies delete accounts but her company doesn't. I then informed her that the reporting of this account is not accurate. Placing an account on my credit report as a collection is akin to letting the world know that I refused to pay a bill when that is not the case. By her own admission XXXX bought XXXX and it took them a while to dig through all the records and figure out what's going on. She also said that it seemed like XXXX threw their hands up during this time and pretty much gave up since they were being bought out. \n\nHow am I supposed to accept this as a consumer? How am I supposed to accept this as a person? From my point of view, I'm being led to believe that because a company decided to sell itself to someone else then I am being held responsible for their lack of record keeping or improper billing. That I am going to for the next 7 years be labeled as a consumer that doesn't pay his bills to any future creditor. How is that fair? Because of that I asked to speak to a supervisor. I ended up being transferred to a XXXX XXXX. To make this complaint shorter, I went through the same conversation with her and also asked her to delete this account for the same reasons. XXXX refused because she claimed that she sent the mail trough a special means with the USPS that supposedly would have the mail reach me even if the mail was sent to a wrong address. Well it didn't. We went through a whole dance of me stating facts and her putting up abstract objections such as millions of people get their mail from the post office we don't know why you didn't or XXXX should have billed you we don't know why they didn't. In the end, she also refused to remove this account from my credit report even thought it was confirmed that XXXX was bought out by XXXX and the buyout caused record problems. It was confirmed that Waypoint sent mail to a wrong address. It was confirmed that Waypoint had never spoken to me about this debt. It was confirmed that I made initial communication upon discovering this on my credit report and I was the one who offered to pay this debt in exchange for a simple courtesy removal of this account from the credit report due to the multiple errors committed by XXXX, XXXX, and Waypoint. Even after all that she refused. To this day I have never received a bill or a phone call about this debt. And because I turned in my equipment to XXXX in person and they told me I didn't owe them any more money, I don't even know if this bill is even owed! \n\nI am now asking you to please look into this because I am losing my faith as a consumer. Companies are being bought out or merging constantly anymore and if these are the results I can expect anytime something like this happens, how am I supposed to maintain a good credit score or do business with these companies in good faith?","date_sent_to_company":"2018-09-11T16:42:32.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"93203","tags":null,"has_narrative":true,"complaint_id":"3016103","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Waypoint Resource Group, LLC","date_received":"2018-09-11T16:31:33.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["In other <em>words</em>, I lived at XXXX XXXX 1 year and 1 month after I made my last payment to XXXX. That <em>meant</em> XXXX had ample opportunity to bill me or notify me in any way that I owed them money but they didn't. I explained that to XXXX and what I hear next is what really pushed me over the edge."]},"sort":[6.0003552,"3016103"]},{"_index":"complaint-public-v1","_id":"2635269","_score":5.9724407,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"To Whom It Must Concern : On XXXX XXXX, XXXX, I applied and was approved for a Barclaycard Ring MasterCard. The sole purpose of me getting this credit card is because they offered me promotional 15 months of 0 % interest on any balance transfers made within the first 45 days of opening this card. My intention was to transfer {$6000.00} from my XXXX XXXX XXXX XXXX XXXX platinum credit card to this card and pay it off with zero interest. While doing the online application for the card, there was an option to submit a balance transfer and I did so. It was indicated by a green check mark that my balance transfer had been submitted successfully and that it would take 4-6 weeks to process. On XXXX XXXX, XXXX, I received a letter from Barclay, dated XXXX XXXX, XXXX, stating my initial balance transfer was unsuccessful. I promptly called and spoke to XXXX ( Confirmation # : XXXX ) and she assured me that she would resubmit the same balance transfer and that it would be expedited to only take 7-10 business days. Even though she was unable to give me a reason as to why the first balance transfer failed, I would have to say that she was the most helpful Barclay representative that Ive spoken with to date. I patiently waited for this balance transfer to come through my XXXX account and finally, on XXXX XXXX, XXXX, my {$6000.00} balance transfer was accepted. A few days later, while making an online XXXX purchase with my XXXX checking account, XXXX informed me that debit card was invalid. I double checked the numbers and it still gave me an error. I promptly logged into my XXXX account online and was shocked to see that on XXXX XXXX, XXXX, {$6000.00} had been taken out of my XXXX credit card as a STOP PAYMENT on the Barclay balance transfer that had already been approved and accepted. This caused me to go over {$2000.00} into the negative as I had now exceeded my credit line with XXXX. This also caused a stop payment on an online purchase I had made earlier that day with my XXXX credit card, and put a freeze on my debit card and any checks coming through ( causing XXXX to not recognize the account ). I immediately called Barclay but could only be told a Manager would call me back within XXXX. Finally, on XXXX XXXX, XXXX, I was able to speak with XXXX, who stated he was a Manager with Barclay ( Confirmation # : XXXX ). After several HmmmI dont knows, he proceeded to tell me, with lack of empathy or willingness to resolve my issue, that the second balance transfer submitted on the XXXX of XXXX had been kicked back by the 3rd party who issued the check due to an invalid account number. At this point, I got XXXX from XXXX on the line, and asked if she could verify the account number with XXXX from Barclay. The account number was correct and she confirmed that there was no mistake on my part as the customer. All of the information I had given Barclay regarding the balance transfer was correct. The three of us were on that phone call for two and a half hours and the primary reason was due to XXXX lag and sheer indifference to my situation. My dissatisfaction as a customer with Barclay Bank did not seem to matter to him one bit. Not only did he never recognize the mistake that his financial institution had made ( he blamed it on the 3rd party that had issued the check ), but he never apologized for the subsequent hardship it had caused me. In fact, when XXXX asked him to send over a fax or email confirming that the balance transfer error was not caused by me, so that she could at least unfreeze my debit card and give me access to those funds, XXXX wasnt even cooperative. I have truly never experienced anything like this. Feeling defeated and in desperate need to get my accounts back to normal, I asked him to put through a third attempt on the same balance transfer, hoping everything would eventually be resolved between my Barclay and XXXX credit accounts. He read me the required recording, I verbally accepted, and then when I asked if he could guarantee that the same error would not happen again, all he could say is that there was no way to guarantee that. Still, I was hopeful that with speaking to a Manager and having plenty of notes in my account with Barclay, this would be the last time I had to speak with anyone at Barclay about an issue. Two days later, on XXXX XXXX, XXXX, I was having tapas at a local restaurant. I attempted to use my Barclay card to pay for my {$6.00} tab and my server politely advised me that my credit card had been run through twice, and twice declined. How could this be? I knew I had over {$500.00} in available funds and this is after the balance transfer had been submitted for {$6000.00}. One would typically feel embarrassed in this kind of situation but I felt relieved. I knew that this was absolutely the final straw on this Barclay account. I quickly paid my server with cash and called Barclay one last time. I was surprised to automatically be transferred to fraud protection where XXXX asked to verify my account. When I asked her why my credit card had just been declined, she told me that since my third balance transfer had not been verified, my card was put on hold. I was enraged. How could my balance transfer have not been verified when I was on the phone with a Manager for two and a half hours and he had a recording of me saying to proceed with the transfer? She said that two managers had called me the next day and I had not been able to be reached so they CANCELLED the third balance transfer. If it is Barclays policy to verify a balance transfer with a Manager call back ( which Ive absolutely never heard of ), then why did XXXX not inform me of that incoming call during our conversation? I was not under any impression that I should be waiting for a XXXX # to call me in the coming days and, like most people, I do not pick up calls from phone numbers I do not know. Just two days earlier, when I had asked XXXX if there was anything else I needed to do on my end, shouldnt he have told me that? I was a 100 % certain I had done everything right on this third balance transfer and somehow, I still failed to get my money. This is when I asked XXXX to transfer me to Barclays Cancellation Department. Up until now, having dealt with subpar professionalism, and, unenthusiastic, mediocre customer service, I was hopeful that at least the Cancellation Department would fight for me as a customer. I have good credit, I have good history with my other financial institutions, I really thought whoever I got on the line would really feel for my situation and try their best to make an effort to keep me as a customer ; to right their wrongs. I got XXXX XXXX she said her initials were : XXXX ) and much to my dismay and disappointment, it was very evident in the beginning of our call that she was not there to save customers. She seemed to be reading off of a script and after I gave her an exhausting but concise summary of what an awful experience I had had dealing with her institution, she didnt so much as let out a sigh. I believe her exact words were ok as she continued on with her script, as if nothing I said meant anything to her. There was no apology, there was no regret, there was not even an offer to make it right. Maybe I was nave to have hoped for more. It actually became comical when she restated that I would lose my promotional 45day 0 % balance transfer feature should I cancel my card, to which I replied to her that I had not received one benefit to this card and that would be quite alright.","date_sent_to_company":"2017-08-17T20:10:10.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"75006","tags":null,"has_narrative":true,"complaint_id":"2635269","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2017-08-17T20:03:28.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["I believe her exact <em>words</em> were ok as she continued on with her script, as if nothing I said <em>meant</em> anything to her. There was no apology, there was no regret, there was not even an offer to make it right. Maybe I was nave to have hoped for more. It actually became comical when she restated that I would lose my promotional 45day 0 % balance transfer feature should I cancel my card, to which I replied to her that I had not received one benefit to this card and that would be quite alright."]},"sort":[5.9724407,"2635269"]},{"_index":"complaint-public-v1","_id":"3969310","_score":5.9468746,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"This complaint involves myself as the retail-buyer of a XXXX XXXX XXXX XXXX  ( est. XXXX miles at the time of purchase ; included only basic features : two power windows, a sunroof and CD player ). A 'XXXX  dealership ( herein referred to as the Dealership ) in Ohio was the seller/creditor and was also the location of the credit sale. \nCPS, INC was the purported assignee who purchased the named Retail Installment Sale Contract/Simple Finance Charge ( herein referred to as installment contract ) at issue. CPS is an unlicensed fictitious business entity in the State of California and unlicensed as a foreign entity in the State of Ohio and conducts business interchangeably as or with the name : Consumer Portfolio Services ( herein wholly referred to as Consumer Portfolio Services ). \nThe crux of this complaint boils down to : the formation of this installment contract ; being misled into contracting for this credit sale and the unrelenting illegal enforcement of the same thereto as a result of : intentional misrepresentations ; undue influence ; unilateral mistake ; unconscionable, unfair, unequal bargaining power/contract terms/treatment ; economic duress ; frustration of purpose ; breach of warranty ; material breach ; violations of Consumer Protection Act ( Dodd-Frank Act ), Truth in Lending ( TILA ), the Gramm-Leach-Bliley Act, the Equal Credit Opportunity Act ( ECOA ), Unfair and Deceptive Acts or Practices ( UDAP ) and Fair Debt Collection Practices Act ( FDCPA ) in relation to the advertising, offering, bargaining, financing, servicing and overall enforcement the purported installment contract at issue. \nBACKGROUND I am aware of this complaints length, but I am submitting it in good faith and I dont intend for any part to appear repetitive, but I needed to articulate my claim in a manner that made this complaint well-received and for the most appropriate relief. Therefore, I ask that you refrain from presupposing it as some acrimonious tangent against some company. Rather, this complaint affects the public at large because I am certain I am not the only one that has or is going through this what I am with the company at issue. I did not want to leave any element out, as I was concerned that if I failed to address everything in this complaint that I might waive the opportunity to do so later. Therefore, as a background for my complaint I assert the following : In the year XXXX, in my XXXX I regrettably filed bankruptcy for the first time ( for debt totaling - $ XXXX ). Soon after filing, I received and answered a direct mailer advertisement from the dealership offering to help me reestablish my credit with favorable terms and stating no matter my past credit history ( e.g., bankruptcy, repossession, divorce, etc. ). \nI was not hard pressed for a vehicle at the time. I was a single mother of XXXX children and a XXXX  XXXX for the State. I would drive 90 miles a day in my SUV. Being the only income provider economic stability was important, so acquiring a more gas/money saving vehicle and being able to rebuild/reestablish my credit were two attractive selling points for me. I thought that I was in a good position by not being desperate to buy a new vehicle, because I viewed the lack of desperation as a plus in my buying making decision and protecting my interests. \nTHE NEGOTIATION PROCESS WITH THE DEALERSHIP At the dealership, I was originally steered towards purchasing brand-new vehicles, which I firmly refused because I could not afford it. I was shown a limited selection of used vehicles, which had no visible price displayed on them. I could never receive an immediate direct answer by the dealership regarding the sale price for any one car, because not realizing it -- -each car was tied to a specific finance offer according to my credit, income, etc. and whomever would offer the financing I was ready to leave when I saw the XXXX XXXX XXXX XXXX which became the subject matter of this installment contract. I test-drove it ; I was offered to keep it for a couple days, but I declined. From here, the dealership told me they would call me to offer the financing terms. \nMANUFACTUTRED & PURPOSEFUL CONFUSION IN RELATION TO CONTRACT TERMS INTERPRETATION The dealership called and offered me terms with the payment amount nearing $ 500/a month and gave vague mentioning to just a couple other terms. I rejected the offer and told the dealership that the monthly payment was too high and I could not afford it. The dealership qualified me for too much, but I knew my limit and thanked them for their time. The dealership immediately began to haggle posing the question Well, what payment amount would you be comfortable with? I told the dealership and they contacted me later to present a new offer with a new lower monthly payment amount now set at XXXX XXXX a month, but now needed a {$500.00} down payment. I provided a provisional intent of acceptance to this offer over-the-phone to the dealership. \nHowever, having been unfulfilled with this phone conversation when time came to return to the dealership to consider finalizing the transaction I had and indeed asked numerous questions. But here is the kicker : I must ask a lot of questions in most situations financial or otherwise because I have a documented XXXX  XXXX. My XXXX  XXXX has nothing to do with my intelligence, but I require more context clues ( i.e., thoroughness in explanation ) and I must ask several questions to grasp a fully comprehensive level of understanding, especially when the information is not familiar. \nUnfortunately, the dealership who believed that my coming back meant that the deal was all sewn up was irritated by my various questions about the transaction and eventually left me alone in a room for an extended period of time, which I assume was to place me in a so ready to leave state to the point that I would agree to anything just to be able to sign and leave. This was not the case for me. I always maintained and had my questions to ask them. \nPRE-FORMATION ANALYSIS OF INSTALLMENT CONTRACT TERMS I had never seen the words RETAIL INSTALLMENT SALE CONTRACT / SIMPLE FINANCE CHARGE before. I asked the dealership if I was making payments or installments?. The dealership told me both.XXXX-month term, with equal monthly installment payments, at {$360.00} a month, all fees and finance charge included. \nI was floored when I saw the length of the contract term XXXX installments/months. This was substantially longer than the contract term provided to me via our previous phone call regarding the offer/terms ; the APR ( 19.45 % ) was omitted during our phone, and I was equally just as surprised seeing the APR rate as well. \nAt this point, I rejected the offer because it had lost its value once again. Everything just seemed to keep changing, despite the dealerships attempts to make everything seem straightforward. \nI was there for a vehicle and the financing was a consequence to the sales transaction. I was not expecting the red-carpet treatment after a bankruptcy, but assuming anything could happen in-between signing and XXXX  months ( XXXX years ) down the line I needed to be comfortable with the finance terms based on my ability to pay and any worse case scenario. This was an integral part of conducting the transaction, and if not for the representations and warranties promised to me the vehicle would not have mattered anymore and I would have simply went to another dealership or have waited for another time later to finance with the credit union, etc. \nNonetheless, the dealership explained that the length in the overall financing term had to be stretched-out to get me to a lower monthly payment amount. At the time, due to my ignorance I did not know that the length of time for financing mattered just as much as anything else if not more ( i.e., time value of money ). \nI argued next about the high APR, on grounds that I had just filed bankruptcy ; therefore, no longer had any debt, so I did not understand why the APR needed to be that high? And I negotiated to have it lowered. The dealership noted that they worked like a dog to get me the best deal. \nThe dealership said that they could not change it that day, but promised that the company being assigned the contract would take care of me and adjust/lower the APR to get me at a better rate and lower payment amount. The dealership reinforced this warranty by pointing to a clause on the very front of said installment contract which stated The Annual Percentage Rate may be negotiable with the Seller as a reassuring reference point to me. \nIn general, the installment contract was explained in a hurried manner. The contract itself was on a huge, long, busy, and purposely distracting form ( 8.5x 24 inches long ) and I had difficultly following along with it. There was absolutely no way to change this adhesive pre-printed LAW Form No. XXXX XXXX XXXX XXXX Retail Installment Sale Contract form. The contract was printed on a 3-5-page carbon copy form and the dealership used a dot matrix printer to print it, and the installment contract was already printed when I arrived. \nI asked and required more thorough explanations/interpretations for most of it, especially at the very least for the provisions I was bombarded from clearly seeing by the dealerships finance/insurance representative due to his hovering over the contract citing that he was trying to be thorough. The only contact I had with the installment contract was my actual placement of my only two required signatures on the very front. \nWhats more, whether the dealership hovered over that oversized contract or not they could have given me the installment contract ( prior to signing it ) to hold for a week it would not have mattered. \nTake the numbers and the signatures out the equation and to this day I still do not understand most of the boilerplate terms which are an essential part of any agreement and affect the rights and/or benefits under the agreement as much, if not more, as any other terms. Boilerplate terms can be negotiated in the same manner as all other terms in an agreement, however, when you dont comprehend wholly the context of a contracts terms but ask for the contract presenter to explain the interpretation because this is their field of expertise and they should know only to be told and agree to one thing and later the contract be enforced a completely different way is monstrous. \nNevertheless, I never met the people at the dealership and as a person who does not think that way would hate to live believing that everyone was lying to me on approach. I was not nave per se. However, I was by myself during the transaction, but I asked all questions beyond reason that I needed to make the best decision for me and my family. With the APR of XXXX % being a major contributing factor of my monthly payment calculation I only proceeded with the sale and the financing contingent upon the warranty and representations offered by the dealership in my ability to change and lower both the APR and monthly payment as a condition subsequent. \nI relied on this reassurance, as these conditions were extremely material aspects of my decision making, and if the dealership had told me no to any one of these negotiating/bargaining pain points I would have rejected the offer for the third and final time. End of story. \nANALYSIS OF INSTALLMENT CONTRACT CONTENT & FORM ( GENERALLY ) The installment contract was comprised of two-pages total and lacked absolute clarity. It was at times, ambiguous, had confusing term placement, important terms were separated and/or buried within contractual language but not limited to, for example : 1. Wherein the installment contract provision ( s ) on the back where it states : How late payments or early payments change what you must pay We based the Finance Charge, Total of Payments, and Total Sale Price shown on the front on the assumption that you will make every payment on the day it is due. Your Finance Charge, Total of Payments, and Total Sale Price will be more if you pay late and less if you pay early. Changes may take form of larger or smaller final payment. We will send you notice telling you about these changes before the final scheduled payment is due. \n2. The aforesaid contract provision on its face, appears to have been a straightforward representation but it is not. The Total of Payments represents the time balance ( the total finance repayment duration or maturity ) and includes the Amount Financed which is the amount of the vehicle sale by itself ( e.g., principal amount ).\n\n3. That would mean this was never a Simple Interest financing credit sale, rather from the beginning this was a Precomputed financing credit sale with interest bearing qualities. Precomputed financing is where the debt is a sum ( wholly ) comprised of the principal amount and the amount of interest computed in advance on the assumption that all scheduled payments will be made when due.\n\n4. With respect to Precomputed financing, they are repayable in substantially equal and consecutive monthly installments of principal and interest combined, except that the first installment period may exceed one month by not more than fifteen days, and the first installment payment amount may be larger than the remaining payments by the amount of interest charged for the extra days ; and provided further that monthly installment payment dates may be omitted to accommodate borrowers with seasonal income ( which is explained further, but in a completely separate provision from this one ).\n\n5. Wherein the installment contract states in part : How we will apply payments We will figure the Finance Charge on a daily basis at the Annual Percentage Rate on the unpaid part of Amount Financed. My thought to this confusing statement was I thought you did figure the finance charge because its enclosed on the front? This lacked clarity. \n6. Well, with respect to Interest-Bearing financing, interest is computed on the unpaid principal balances outstanding from time to time, for the time outstanding. Each payment is applied first to unpaid charges and fees, then to interest, and the remainder to the unpaid principal balance. \n7. How we will apply payments provision states in part : We may apply each payment to the earned and unpaid part of the Finance Charge, to the unpaid part of the Amount Financed, and to the other amounts you owe under this contract in any order we choose 8. With respect to the Actuarial method '' it is a method of allocating payments made on a loan between the principal amount and interest whereby a payment is applied first to the accumulated interest and then the remainder to the unpaid principal amount. \n9. Notwithstanding, the last statement states in part : in any order we choose looking back was a flagrant play upon the target audiences ( me and other consumers ) low-awareness & and financial ignorance. To the extent, where this standard adhesive XXXX XXXX XXXX retail installment contract, once you put it all together because its all over the place that this installment contract is not only Precomputed, Interest-Bearing, but uses the Rules-of-78s as its accrual & payment methodology.\n\n10. Said installment contract was made for 66 months, the use of Rules of 78s as the accrual method is prohibited for any loan or financing term over 61 months according to federal law, and some states dont allow it at all.\n\n11. The accounting method ( s ) used by Consumer Portfolio Services best explains why my efforts ( many years before now ) to refinance with another company and get away from this contract altogether ( after complaining to the Consumer Portfolio Services about the credit sale formation with the dealership ) was absolutely fruitless. Additionally, it explains why the pay-off amount back then was stated for the entire installment contract amount and not just for what I would have owed up until that point, because again, this installment contract never used a simple interest methodology for accounting and payment allocation. \nThis fact became even clearer when considering the You may prepay provision on the back of the installment contract, which contradicted the Prepayment provision on the front of the installment contract. \nIt was confusing and the provision on the back stated in part that there would not be a penalty for paying all or part of the Amount Financed ( the Principle amount ) but you must pay the earned and unearned part of the Finance Charge and all other amounts up to the date of your payment which was not stated on the front of the installment contract under similar provision. The dealership deceived me. He confused the words prepay with pay-off and those are two separate terms. The material omission that you will not be refunding the finance charge is a prepayment penalty. \nAdditionally, there was an Option box detailing that there would be No finance charge if the Amount Financed is paid in full before. I was told that this provision meant no finance charge if paid in full, as a promotional offer, for example if I was offered a no finance charge for XXXX promotion, etc.. But this was not true. I was duped again. Nevertheless, I never received the refund I should per Ohio law regarding as a result of my efforts to refinance out of this contract years earlier. \n12. This installment contract failed to include a Notice Clause. If notice were to be sent to either party how was this process supposed to be achieved? This installment contract did not require a change of address, a requirement that a partys phone number be updated. This contractual delegation or duty was silent. \n13. This installment contract might have stated that no oral changes are binding, but it did not include no changes in understandings are not binding. Moreover, how do I know that the dealership did not in fact provide Consumer Portfolio Services of our understandings when the boilerplate language is static and already stated that this is the complete agreement prior to anything ever being filled out. \n14. This installment contract failed to explain how deferments and/or payment extensions would work and to what extent because the installment contract does not even provide an explanation. At the time, I didnt understand the words maturity date from the installment contract extensions because this was not a loan it was financing, but I felt that I had no other choice but to always agree to Consumer Portfolio Services terms no matter what. \n15. Many important contract terms were repetitive in wording or were not reasonably close to its analogous context to prevent intent from becoming lost, impaired, or creating ambiguity. \n16. Thus, ambiguity is created by stating the same thing more than once ; rarely is it not possible to say something twice without creating ambiguity. Certain terms within said installment contract were merely stated generally on one document side, only to be repeated and elaborated differently on the other side of the page resulting in contradiction and confusion. \n17. Another installment contract provision states in part : Your Other Promises to Us which was a confusing headline. It created emphasis which implied that other statements in the contract are less important, especially considering the words which followed, wherein it stated in part, This secures payment of all you owe on this contract. It also secures your other agreements in this contract [ sic ] This is how these two sentences within this paragraph began and ended. It did mention a few bullet points before it, but the words after did not lead to nowhere that I could conceive, because I do not know what This or It is referring to. Moreover, the statement, All you owe on this contract is awful to place in any contract. Owe means that I am already obligated. \n18. The installment contracts headline RETAIL INSTALLMENT SALE CONTRACT / SIMPLE FINANCE CHARGE is fraudulently stated because it is contradictive to the payment accrual and allocation method described within it. \n19. The installment contract provision wherein it states : Prepayment. If you payoff all your debt early, you will not have to pay a penalty. To a reasonable person this would mean that there is no prepayment penalty, but it is deceptive when the finance charge already worked into the total installment contract amount in a way that doesnt allow for an incentive to pay early. On the other hand, an installment contract with precomputed interest consists of substantially equal payments throughout the entire contract so with that information you would know what to expect. \n20. But, when the headline of a contract states, Simple Finance Charge but is in fact a Precomputed Finance Charge the consumer would never truly know what they were getting into. You can not lie about the type of loan you are getting a consumer into, especially when they are concerned, inquisitive and asking every question that should have prevented this fact. \n21. Which is why I have been devastated by the willful deception and misrepresentations told and warranted to me by the dealership. I would not have agreed to a XXXX  month payment term, while paying XXXX XXXX  interest the entire time, no matter if for example, my credit score the 800s ; fresh out of bankruptcy where the chances of rebuilding my credit after 1-2 years later were greater and absolutely would not have justified such awful terms as these. \n22. I was misled into believing that I could merely pay just the Amount Financed ( i.e., principal amount ) and have my performance discharged from this contract if I needed to refinance elsewhere. \n23. Notwithstanding, CPS after I made inquiry about refinancing the APR for a lower rate and payment amount but was refused by them despite my agreement and understanding with the dealership and my reliance of it when asked if I could at the very least make principal payments? CPS told me No they do not do that either ... So, how was this ever a simple finance charge ( lightbulb ) thats because it never was. \nPOST-CONSUMMATION COURSE OF DEALING & TREATMENT WITH ASSIGNEE OF THE INSTALLMENT CONTRACT ( CONSUMER PORTFOLIO SERVICES ) Not long after finalizing this installment contract/ credit sale transaction, I missed many calls from Consumer Portfolio Services who was calling me to make first contact with me, but I did not know who they were. This installment contract was assigned solely to a company named CPS, INC who is unlicensed. \nI soon found that Consumer Portfolio Services uses the name CPS interchangeably which has always been confusing, but even more confusing for third-parties ( i.e. family members, friends ) who would receive phone calls from Consumer Portfolio Services referring to themselves as CPS and stating that they need to speak to me about an important matter, to include my XXXX XXXX  where I received oral discipline because of their calls. Consumer Portfolio Services caused distressing urgency and confusing amongst these third-party persons for me, because CPS is not distinguishable from Consumer Portfolio Services. \nThat is because most people consider the combined letters C-P-S as an automatic reference with Child Protective Services. Which was confusing to me when I saw their name on the installment contract and was absolutely disturbing to hear by other third parties on my behalf because they thought I was I XXXX  my children. Coupled with the fact that CPS would call the same or next day as Consumer Portfolio Services third-party persons were all over the place with confusion and didnt know if I was XXXX  my children or having a debt collected it was intentionally embarrassing! \nWhich is why in year XXXX I submitted a partial Cease and Desist on Consumer Portfolio Services to bar them from contacting anyone but me, which they recently violated for the first time in 4 years on XX/XX/XXXX in retaliation of my telling them ( Consumer Portfolio Services ) that I would no longer be subjected to their abuse, mistreatment or this contract. Only days later they pretended as though they were struggling to reach me, however, phone records would show that I have gone months without making actual contact with them\n\n( Consumer Portfolio Services ) because they are absolutely abusive to talk to.\n\nNotwithstanding, once I eventually figured out who Consumer Portfolio Services was and had my first contact with them, I asked if they were aware of the warranties promised to me by the dealership and wanted assurance they would honor it. Consumer Portfolio Services told me that they would not be able to change any part of the contract and that needed to have taken place during the transaction and that theyre just the servicer for the contract. I argued with them and I also communicated with the dealership and they merely passed the buck back to Consumer Portfolio Services. \nI advised Consumer Portfolio Services that I did not agree to this loan as it has been, and only agreed because I negotiated with the dealership and was given a warranty of certain changes by you. \nConsumer Portfolio Services evaded acknowledgment of my claim and refused to address it directly, but provided that if I no longer wanted the vehicle that I could turn it back in. When I asked if the contract would be considered settled from that point if I did return the vehicle, they told me no, it would be considered a voluntary repossession. \nAt that moment, I felt sick. It was clear to me that parties to this installment contract were not on the same page ; 2 out-of-the 3 parties knew exactly what every boilerplate term meant, didnt mean, or could mean and how they could manipulate the context of the contract egregiously more in their favor. And I was the only one who wanted a fair deal. \nMy performance soon after communicating with Consumer Portfolio Services after realizing I was entangled in this installment contract with terms I did not agree to alone and with some I did not understand during the bargain phase ; and which were not going to be honored was poor from the onset and my performance remained poor & impaired throughout the duration of my involuntary servitude against this installment contract. My payment history tells a story, and that story fails to ever show actions of me guaranteeing, committing, or confirming anything but my impaired willingness to make payment. \nConsumer Portfolio Services however, did not care. They were not concerned, surprised or shocked by my claims of being misled. They never once made a good-faith attempt to investigate my claims regarding the dealership. It was rather business as usual for them, and they instead preyed further and continued to exploit my misrepresentations, my perceived ignorance, my contractual burden and inflict undue influence, manipulation, economic duress and mental & emotional abuse upon me by enforcing this installment contract which did not align with neither what I agreed to my detriment or with my understanding in relation thereto.\n\nABUSIVE SERVICING AND COLLECTION PRACTICES Consumer Portfolio Services and I were never on the same page by design. They used the word interest, accrue, and other similar words that the original installment contract never used and was more indicative that this was a loan than a credit sale contract. \nDue to the many nuances and ambiguities within the contract Consumer Portfolio Services flagrantly cherry-picked what they were going to acknowledge, and made the duration of dealing with them both burdensome and frankly most times just extremely awkward. \nOver time, it was clear that the rights I should have had, not only at the onset of the transaction, but during the contract term was not going to be pursuant with Ohios Retail Installment Sales Act ( RISA ) which gives more protection for circumstances like these or should due to partly because the merchant seller is unlicensed and is more susceptible to self-dealing as is the assignee Consumer Portfolio Services. \nMuch like the dealership, Consumer Portfolio Services teetered back-n-forth as to what hat they were wearing within any given conversation with me. One day they were able to grossly modify the installment contract ; or at times when I would attempt to stop paying holding to my claims Consumer Portfolio Services would tell me that we gave you a loan when no one else would. Which is not true, but at the time I believed them because I did not know any better. \nBut I no longer had debt at the time of contracting, and years later I realized that they by law could not have given me a loan, because that is not how a credit sale contract works. Notwithstanding, when I had wanted to change the APR at the beginning or renegotiate any other element of the installment contract I would be told that they ( Consumer Portfolio Services ) were just the servicer and couldnt do anything. \nWhats more, Consumer Portfolio Services used that name as well as CPS in their collection efforts. On top of which they used oppressive, coercive influence and abusive practices and tactics to collect, which included but not limited to : - Engaging in behavior which that menacingly argumentative ; confrontational ; harassing ; yelling at me ; continuous cycle of intimidating me to reinforce my compliance ; - Previously would call my place of employment and/or a third-party everyday using misleading names to the point I was warned of discipline and was forced to place a partial cease and desist on communication with Consumer Portfolio Services to stop them from contacting third-parties which they recently breached ; - Yelling at me, - Forcing me to act contrary to my rights ; and beliefs as they were not present during the credit sale ( silent compliance ) ; - Undue inducement by \" Consumer Portfolio Services '' through intimidation to perform in a manner different than I otherwise would have performed from the beginning based on previous representations made and agreed to, which created a continuous cycle intimidated or threatened ; - Employing undue fear, blame, undeserved guilt/emotional blackmail, and XXXX  as their servicing tactics to distort my sense of events and the reality of what was happening to me ; - Victimizing themselves by normalizing and legitimizing their abuse & behavior to me by attempting to make unreasonable demands seem reasonable ; - Utilizing a cycle of mental and emotional control to support & reinforce economic abuse of enforcing the underlying installment contract ; which acted to limit my actions by restraining my resources to resist the abuse and vulnerable in defending their demands to avoid more harm ; -Numerous unjustified payment extensions against a loan with substantially impaired performance. The cascading interest-bearing effects of these purported daily finance charges, which were allegedly computed based on the outstanding principal balance, in addition to the undisclosed precomputed finance charge improperly increased the principal balance as it steady compou -Gross abuse of contract terms ; creating terms as they went via unilateral modifications of terms and numerous undisclosed changes of the maturity date. \n-Unwillingness to produce request for original contract upon request ( my original was destroyed during a break-in ) -Adverse Selection ; Attempted to solicit me a loan with a misleading advertisement once informing \" Consumer Portfolio Services '' that the maturity had already passed. \n( ( ( I experienced an inability to upload/attach this entire complaint ; breach of contract notice to CPS ; the installment contract itself ; and 'numerous ' exhibits","date_sent_to_company":"2020-11-22T22:04:21.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"45414","tags":null,"has_narrative":true,"complaint_id":"3969310","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Consumer Portfolio Services, Inc.","date_received":"2020-11-22T22:01:58.000Z","state":"OH","company_public_response":null,"sub_issue":"Changes in terms mid-deal or after closing"},"highlight":{"complaint_what_happened":["He confused the <em>words</em> prepay with pay-off and those are two separate terms. The material omission that you will not be refunding the finance charge is a prepayment penalty. \nAdditionally, there was an Option box detailing that there would be No finance charge if the Amount Financed is paid in full before. I was told that this provision <em>meant</em> no finance charge if paid in full, as a promotional offer, for example if I was offered a no finance charge for XXXX promotion, etc.."]},"sort":[5.9468746,"3969310"]},{"_index":"complaint-public-v1","_id":"3162910","_score":5.7046347,"_source":{"product":"Student loan","complaint_what_happened":"Upon reading XXXX XXXX resignation letter last XX/XX/XXXX ( the former student loan ombudsman at the Consumer Financial Protection Bureau ), I felt compelled to file a protest, detailing the financial and emotional abuse Ive endured since I decided to enroll in the Department of Educations Public Service Loan Forgiveness program.\n\nEven if this is nothing more than an exercise in futility or a whimper in the wilderness, I feel it would be a dereliction of my duty as both a consumer and a citizen if I didnt lodge an official complaint, to go on the record, because I have been harmed personally by the odious and improper student loan practices of the aforementioned PSLF program. Even more, to compound this grievance, I feel Ive been abandoned by the very same Bureau ( the CFPB ) that was created to serve as my advocate, and tasked by Congress to protect me from such blatant exploitation! \n\nAfter experiencing the aggravation firsthand, over the course of a few years ; after having to deal with the mandates of Public Service Loan Forgiveness program and, particularly, how this is interpreted by XXXX XXXX XXXX ( a contracted company the Department of Education has asked to handle the administration and customer service for its PSLF program ), I felt I could sit idly and silently no longer. \n\nThe abbreviated version of events : I was recruited to work for a rural XXXX in XX/XX/XXXX ( XXXX XXXX XXXX in XXXX XXXX, XXXX  ). Part of the recruiting pitch ( and part of the allure ) was that my student debt would be forgiven after ten years of service, if I came to work for them, being that they are a qualified county facility. In other words, if I came to work for them and continued to make my loan payments, whatever balance remained, so I was told, after ten years of service, then that remaining balance would be forgiven. What a recruiting pitch! This sounded great. I did some research into the Public Service Loan Forgiveness program, and sure enough if I worked for a public service-eligible XXXX  ( which this was ) then my debt would be forgiven after 120 payments. So, with this lucrative perk in mind, I accepted the position to XXXX XXXX XXXX XXXX XXXX XXXX. I decided to relocate, dragging my family 1,800 miles across the country, moving from XXXX XXXX to the XXXX XXXX. \n\nI moved in XX/XX/XXXX, and started working the following month. It took from XX/XX/XXXX to XX/XX/XXXX to be placed into an eligible PSLF repayment program ( 12 months! ). Thats a whole year ; ten percent of the time I was supposed to be working in a qualified environment. For some reason, my spouses employment status prevented me from being put into an eligible program. Why would my husbands employment status be a deciding factor, delaying my enrollment? The program clearly states that I only need to be working at a qualified facility for a requisite length of time ( and be enrolled in a qualified repayment plan ). My husband was out of work when we applied, and this fact somehow disqualified me from consideration! Why? This was the first major red flag that something was amiss, and rotten in the state of XXXX. \n\nAgain, I was hired by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ), to be their full-time XXXX XXXX, working 40 hours a week. I took this position based in part by the false promise of the PSLF program, believing that my student debt would be forgiven after ten years of service/payments I was working at a public service XXXX when I applied for PSLF ; my employer certified the necessary documents immediately. Still, I was denied because I was told they couldnt certify my husbands employer. I told them he was unemployed and nothing but crickets and denials. An entire year went by until I was placed in a PSLF qualified repayment plan. \n\nAnd, how did I finally get accepted? Lo and behold, when my husband was hired to work in XXXX, XXXX, at the end of XX/XX/XXXX then, suddenly, I was approved and enrolled into an eligible PSLF repayment program. HOWEVER, at this time, somehow the proverbial they decided to recalculate how much I would owe on a monthly basis. Based on some unknown algorithm, a figure that determines my households ability to repay, my monthly payments ballooned from {$340.00} a month to {$560.00}. This doesnt sound like a loan forgiveness plan It sounds like, OK let us re-amortize your loan, figure out what amount you need to pay to pay-off the loan in 120 payments, with the service provider grabbing their 33 % markup in profits ( off the interest ). This is a total bait and switch. Its actually mocking me when the PSLF uses the word forgiveness because there isnt a penny thats being forgiven. I am paying off the loan, in its entirety. \n\nThe parameters are clear : Public Service Loan Forgiveness is a federal program that ( supposedly ) forgives federal student loans for borrowers who are employed full-time ( 30+ hours a week ) in an eligible federal, state, or local public service job. Where in this does it stipulate that your spouse must be working? Where does it state that the program will review your households annual income and then determine how much you owe, per month, based on your households financial vitality? Why does this matter? Why should it? The program was established to help certain facilities and regions attract talented candidates this is the spirit that led to the creation of the program. Its supposed to be an added benefit, not an aggravation! \n\nHOW IS IT THAT THIS IS CONSIDERED LOAN FORGIVENESS? \n\nIn other words, heres what the actions of PSLF are stating loudly to me : Go work in public service and qualify for loan forgiveness and then pay nearly seventy thousand dollars on a XXXX XXXX   dollar balance. And, to mock you, we will call this a loan forgiveness. This isnt forgiveness, this is merely paying off a loan in ten years!\n\nThis is blatant bait-and-switch. This is fine print nonsense. There is no loan forgiveness being offered here. This is simply taking a 20-year loan repayment plan and changing it to a 10-year loan payment plan. I never would have moved halfway across the country, moved to a rural community, if I knew this was what the PSLF offered. This spits in the face of the idea of loan forgiveness and betrays the intent behind the creation of such a program to begin with. Again, I ask : how is this a reward for public service?\n\nFor a more detailed explanation of my plight, allow me to expound on the particulars : My name is XXXX XXXX. I graduated, with degree, from the XXXX  XXXX University XXXX program ( XXXX XXXX XXXX XXXX ) in XX/XX/XXXX. During my schooling, I amassed approximately {$46000.00} in student loan debt. ( This was a wise investment in my future, on my part, because XXXX   is a fruitful career path with lots of job openings and opportunities ; According to a XXXX report from XXXX, the median annual income for an XXXX was nearly {$82000.00} ). \n\nImmediately after graduation, in XX/XX/XXXX, I began working as an XXXX for a XXXX, XXXX  based XXXX -- XXXX XXXX  XXXX XXXX. Then, six months later, I began to make my student debt payments, promptly, after my initial grace period expired. \n\nInitially, I enrolled in the 20-year plan. I did this to keep my payments as low as possible ( even though this repayment plan incurred the biggest interest cost ). I was fine with this, and with paying the enormous interest, because I knowingly entered into this obligation understanding the liability I was taking on. Like I wrote earlier, this was an investment in my future and it was worth it. Sure, I was perplexed to understand a system where the government would loan money to banks at zero percent interest rate, then those banks turn around and lend that money out at interest to students ( to encourage banks to lend money to students for education ). I mean, shouldnt the government simply loan money directly to students, so the government could earn the usury profits, and so students would receive the lowest interest rate possible )? Doesnt that make more sense, for a government of, by, and for the taxpaying people. \n\nFrom XX/XX/XXXX through XX/XX/XXXX, over the first 53 months paying back my student loans, I made every monthly payment. My payments were in the {$340.00} range. I paid approximately {$18000.00} over the course of these fifty-three payments ( of which only {$4200.00} went towards principal, and {$14000.00} going towards the interest ). \n\nI moved to XXXX in XX/XX/XXXX. I began working at my new position that XXXX. From XX/XX/XXXX through XX/XX/XXXX, for almost 6 months, I was attempting in vain to enroll in the Public Service Loan Forgiveness program. Even though I was eligible, and shouldve qualified without incident, I was denied about three times because there was an apparent issue with my husbands work. When we moved, my husband was no longer employed. He was working full-time in XXXX, at a XXXX XXXX, but when we moved to XXXX  he didnt have employment ( other than XXXX  XXXX work he did, for about 6K a year ). He wrote a letter and said as much, but we still couldnt qualify The PSLF program wouldnt approve my application because of some hiccup with my husband, which to this day I have no idea what the issue was. I was told they couldnt verify employment, even though I constantly told them that my husband wasnt employed ( at the time of my application ). \n\nAnyway, in XX/XX/XXXX, my loans were consolidated from XXXX to XXXX XXXX. Against my wishes, I was enrolled in a program that didnt qualify for the PSLF. My payment was about {$320.00}. I called for the umpteenth time Anyway, that XX/XX/XXXX my husband was hired by XXXX XXXX XXXX. And, would you believe, this was when the PSLF program finally approved my application. Now that my husband was working, for some particularly strange reason, the program accepted my application! Why would my husbands employment status determine my eligibility? \nSo, after certifying my employment at XXXX XXXX XXXX, and calibrating what the PSLF deemed I was mandated to pay monthly, I was finally enrolled into the PSLF program in XX/XX/XXXX ( one year after I began the enrollment process ). And, guess what my payments were tallied at {$560.00} dollars a month! What a joke. How is it that this is considered loan forgiveness?\n\nIn essence, 120 payments of {$560.00} comes to about {$67000.00}. When I consolidated my loans into this PSLF program, I owed {$46000.00}. This was more than my original loan amount ( because after 4.5 years of payments, most of my payments when towards paying the interest down ). So, when I accepted the job at a rural XXXX, and got excited when I heard about the PSLF perk, little did I know that loan forgiveness meant paying {$67000.00} over 120 payments to pay off the existing {$46000.00} balance.\n\nChanging the loan from a 20-year payment plan to a 10-year payment plan is not loan forgiveness. At the end of my 120 PSLF payments, altogether, going back to when I first began paying off my debt, I wouldve ended up paying {$85000.00} total in payments, from the time I made my first payment in XX/XX/XXXX. Nearly {$86000.00} dollars on a {$46000.00} loan! \n\nBut, the part that aggravates me most, is the misleading fact that I enrolled in the PSLF program, owing just {$46000.00}, and the PSLF program upped my payments from {$340.00} to {$560.00}. In essence, the program demands that I pay about {$67000.00} over ten years, and has the gall to deem this loan forgiveness. \n\nIn conclusion, contending with the deceitful fine-print and the legalistic tentacles of the program has weakened my faith and trust in the Department of Education in general ( and the student loan industry specifically ). The financial turmoil spawned by the false promise of the PSLF program has directly impacted my familys standard of living, while, on a more personal level, the emotional distress caused by the misleading PSLF propaganda has wreaked havoc on my gastrointestinal tract. Just the mere thought of the programs criminal bait- & -switch violations, no matter when the thought surfaces, irritates me beyond repair. What does this say about the student loan industry? When a GAO report discovers that 99 % of applications have been denied ( 29,000 applications denied! ), I worry about what will happen when I make my 120th payment. Im upset now, after only 30 payments ( only 1/4th of the way thru ) I dont trust the PSLF program, and Im already bracing myself for more trouble when I make my final ( 120th ) payment. I dont trust that the Department of Education will honor their pledge. To be frank, I have zero faith that the PSLF will live up to its obligation. If it took over a year to qualify and enroll in the PSLF repayment service, I fear what awaits for me down the line.","date_sent_to_company":"2019-02-26T09:51:51.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"976XX","tags":null,"has_narrative":true,"complaint_id":"3162910","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2019-02-26T04:39:02.000Z","state":"OR","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["So, when I accepted the job at a rural XXXX, and got excited when I heard about the PSLF perk, little did I know that loan forgiveness <em>meant</em> paying {$67000.00} over 120 payments to pay off the existing {$46000.00} balance.\n\nChanging the loan from a 20-year payment plan to a 10-year payment plan is not loan forgiveness."]},"sort":[5.7046347,"3162910"]},{"_index":"complaint-public-v1","_id":"6181207","_score":5.6846323,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"**I apologize ahead of time and will try to be brief. I have a XXXX that makes it very difficult for me to make statements without going off-course. I URGE YOU to PLEASE try to read my complaint in whole- as I have been trying to work with the company for over a month now and they have NOT ONCE specifically addressed anything Ive said or made any effort to come to a resolution. I thank you in advance for your patience and understanding. ** On XX/XX/XXXX @ XXXX, my pay status was of the highest level, XXXX. ( https : //www.afterpay.com/en-US/loyalty-opt-in ) further explains these Payer Levels that a consumer can reach through making payments early, on-time and completing loans. ( ATTACHMENT # 1 Email from AFTERPAY just 2 days before shutting down my entire account. ) On XX/XX/XXXX later that night, I made a payment on order # XXXX for {$35.00}. On accident, I hit the wrong part of my phone & 2 payments were made of {$35.00} ( due XX/XX/XXXX & XX/XX/XXXX ) totaling {$70.00}. I had not budgeted for the extra {$35.00} to be paid so early, I decided to request the payment due XX/XX/XXXX be cancelled & refunded, if possible. ( ATTACHMENT # 2 IMG of Loan installments/proof of payment & ATTACHMENT # 3 IMG of Req for {$35.00} return ) THIS IS WHERE AFTERPAY & THEIR AUTOMATED SYSTEM & NEGLECT BEGIN DESTROYING MY ACCOUNT : 1. ) Instead of an answer, I was given the rules/template for being put on a Financial Hardship Plan. Before reviewing this request that I never asked for, they asked me to answer some questions- since I assumed there would actually BE a review- I was under the belief that the agent would read my answers were EXACTLY what the payment installments were to begin with However, no one actually REVIEWS these applications. ( ATTACHMENT # 4 + 5 IMG of Hardship Application sent XX/XX/XXXX ) 2. ) AT THIS POINT, MY INTENT, WILLINGNESS & FINANCIAL CAPABILITY TO PAY ALL INSTALLMENTS ARE MADE CLEAR. There is no confusion of words, no hesitation- I explain AGAIN what I meant about the {$35.00} over-payment ( still Afterpay had NOT answered my question about having it returned to me. ) ATTACHMENT # 6 ALSO sent XX/XX/XXXX in response to Application IMG : Written proof that my account should have NEVER been put on any hardship plan and if ANYONE had actually been Reviewing, as the company claims is done- they would see that. \n\n3. ) By XX/XX/XXXX, I had NO ACCESS TO MY ACCOUNT. I tried to make a payment so I could finish the existing loans I had with Afterpay. I was denied access to my account. I tried the app, I tried the website, I tried emailing, changing my password, chatting, and then finally, I googled and tried the phone number for customer service. \nTHEY DO NOT EVEN HAVE A PHONE NUMBER FOR CUSTOMER SERVICE! ** XXXX We have made a decision to close our phone lines I had No way to access my own financial information with them, what installments were ( supposed to be auto-pay from my account, but were not, ) the total amounts due, when they were due, how to pay them or ANY INFORMATION REGARDING MY ACCOUNT WHATSOEVER. \n\n4. ) Seeing as I had no way to access the account NOR a way to access any real human being to speak with in regards to my inability to make a payment, nothing was paid. Since I dont think Afterpay is really auto as they say ( or at least the auto part seems to be fluid in the sense that when you are buried in debt, its now auto-deducted. When they lock you out of your own account, it is not. ) 5. ) I continued to try to get ahold of this company and even tried to get the phone number of the office in XXXX XXXX ( where the CEO is located ) to find SOMEONE- ANYONE to help me PAY MY OWN BILLS! If Afterpay considered this the financial hardship payment plan, when, how and how much were these supposed payments supposed to be & when was anyone going to even tell me? Never mind the fact that I had made it ABUNDANTLY CLEAR I DID NOT NEED TO BE ON THE PLAN. Regardless, EVEN IF they ignored me about that & my question about the {$35.00}. How is ANYONE supposed to pay/get financial help or anything at all if Afterpay doesnt even make a plan with you and then Closes all access to your accounts? \n6. ) Almost AN ENTIRE MONTH LATER, XX/XX/XXXX, I am given access to my account after my suspension. ATTACHMENT # 7 & 8. I now owe OVER $ 350+ in Late Fees, Overdue Payments not paid & my regular installments. \n7. ) I CAN NOT STRESS ENOUGH EVEN IF no one listened to me about not needing a payment plan & put me on one anyways. WHERE WAS IT? Where was the employee who was supposed to help me make it? How was I ever going to pay if I already was having a hard time ( even though I clearly said I was fine. ) ***HOW IS ANYONE SUPPOSED TO GET OUT OF FINANCIAL HARDSHIP WHEN YOU BLOCK ACCESS TO THEIR OWN LOAN INFORMATION, XXXX THEIR ABILITY TO MAKE PAYMENTS, WILL NOT COMMUNICATE WITH THEM AND NEVER MAKE AN EFFORT TO SET UP ANY KIND OF PAYMENT HARDSHIP PLAN? HOW DOES COMING BACK 20+ DAYS LATER OWING OVER $ 350+ HELP ANYONE WITH FINANCIAL HARDSHIP?! *** 8. ) From this point, XX/XX/XXXX until as recent as last night, I have been dealing with HARRASSMENT almost daily ( via text, previously also via email ) threatening me about LATE FEES WHICH THIS COMPANY CREATED! The diabolical & unethical business model that this company has created is nothing short of XXXX. ( Attachment # 9- Ex of only a FEW DAYS of HARRASSMENT. ) 9. ) The responses Ive gotten from them in regards to my very REAL concerns have been templates, automated, outdated, irrelevant or condescending. For example : a. On XX/XX/XXXX, I was told that unfortunately no, the {$35.00} can not be returned to me bc Afterpay is free to consumers and we are able to maintain this by operating this way. Which way? By replying to questions sent on XX/XX/XXXX almost a month later? How exactly is this FREE TO CONSUMERS when I am being threatened with late fees daily? ( Attachment # 10 & # 11 is my reply ) b. On XX/XX/XXXX I wrote another complaint & on XX/XX/XXXX I received response that it would be addressed. ( Attachment IMG 12A, 12B & 13 ) c. On XX/XX/XXXX, I receive a response. Nothing that addresses any of my concerns but a notification that my payments are overdue! Also, the agent tells me any payments can be easily made MANUALLY via the website or app. Its INSULTING that not ONE AGENT has been talking in relation to anything Ive said or anything previous agents have said. ALSO I asked this agent- PLEASE.. show me step by step how to make a payment online or on the app when you cant log in & your access to all that information is denied? What are you paying now for? How would you know if you cant even get your name up on the screen? He actually mentions HAVING TROUBLE LOGGING IN! NO ONE- absolutely NO ONE at this company knows WHAT is going on, I dont even know if people are actually running it- but they have my money and can not even read. ( Attachment # 14 ) d. Im probably running out of attachments & Im sure youve had just enough of my going on and on about this company. I just have to tell you, as sick of you are of me going on about it with all my attachments, I have even more & this company has made my life a living XXXX the last month ( AND IT IS STILL GOING! ) In the beginning of this, I had mentioned that I had just received an E-mail from Afterpay unlocking a special offer given to their highest level consumers who had reached the XXXXXXXX LEVEL. After taking my account from me, destroying me with late fees and overwhelming debt, my new level XXXX is what I have to show for all the responsible patronage I have shown to this company. ( Attachment # 15 ) AFTERPAY HAS CLEAR DECEPTIVE PRACTICES GOING ON WITHIN THEIR COMPANY. FROM NOT EVEN HAVING A CUSTOMER SERVICE PHONE NUMBER TO FRAUDULENTLY ( WITHOUT CONSENT ) PUTTING PEOPLE IN THEIR FINANCIAL HARDSHIP PAYMENT PLANS THAT DONT INVOLVE PAYMENT AT ALL. I dont see how it can get much worse.","date_sent_to_company":"2022-11-08T14:12:57.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"13088","tags":null,"has_narrative":true,"complaint_id":"6181207","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Block, Inc.","date_received":"2022-11-08T13:45:20.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I dont see how it can get <em>much</em> worse."]},"sort":[5.6846323,"6181207"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":56,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":56}]}},"product":{"doc_count":56,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Money transfer, virtual currency, or money 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