{"took":273,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":45,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8247915","_score":20.341576,"_source":{"product":"Student loan","complaint_what_happened":"This is the second complaint I am filing against Mohela. The first complaint was filed on XX/XX/XXXX regarding incorrect information about a refund owed to me, and Mohela 's insufficient customer service in resolving this issue. I was owed a XXXX refund, and Mohela kept XXXX that I was owed only 4 % of this XXXX amount. This issue has not yet been resolved despite approximately a dozen phone calls to Mohela. \n\nI received a letter from Mohela dated XX/XX/XXXX that I would receive a XXXX refund within XXXX days of this date. It is now past 90 days and I have received no refund. I spoke with a customer service representative, whose name was XXXX, on XX/XX/XXXX. This phone call lasted over XXXX hour, with an overwhelming amount of time on hold. Additionally, XXXX, exhibited rude behavior, poor communication, and lazy listening. A customer should not have to calm an agitated representative. With that, XXXX was unable to resolve the issue of me never receiving a XXXX refund despite having a letter from Mohela. \n\nI was transferred to leave a message with supervisor who would supposedly call back at the end of the next business day. I expect no such phone call. As noted in my previous complaint, numerous phone calls have been disconnected with Mohela. Despite asking if they can call back, no representative from Mohela ever returned a disconnected call. \n\nI am aware that Mohela has over XXXX complaints filed against it, an impending lawsuit, and has had {$7.00} XXXX withheld for mismanaging loan repayments. I fully understand these sanctions.","date_sent_to_company":"2024-01-30T15:07:18.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"85048","tags":null,"has_narrative":true,"complaint_id":"8247915","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"MOHELA","date_received":"2024-01-30T14:26:40.000Z","state":"AZ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["I received a letter from Mohela dated XX/XX/<em>XXXX</em> that I would receive a <em>XXXX</em> refund within <em>XXXX</em> days of this date. It is now past 90 days and I <em>have</em> received no refund. I spoke with a customer service <em>representative</em>, <em>whose</em> name was <em>XXXX</em>, on XX/XX/<em>XXXX</em>. This phone call lasted over <em>XXXX</em> hour, with an overwhelming amount of time on hold. Additionally, <em>XXXX</em>, exhibited rude behavior, poor communication, and lazy listening. A customer should not <em>have</em> to calm an agitated <em>representative</em>."]},"sort":[20.341576,"8247915"]},{"_index":"complaint-public-v1","_id":"1970885","_score":18.035519,"_source":{"product":"Student loan","complaint_what_happened":"My student loan servicer is ACS Education. In XXXX 2016, I submitted an application to XXXX ( XXXX ) to consolidate my federal student loans at a lower interest rate and to also qualify for the Public Service Loan Forgiveness program. A few weeks after I submitted my consolidation application to XXXX, I was informed that my application was denied because ACS Education had failed to certify the loan amounts. \nAs part of the consolidation application process, XXXX makes a request to ACS Education to certify the loan amounts. ACS Education is supposed to provide XXXX with Loan Value Certificates. As of today ACS still has not sent those certificates to XXXX. In XXXX, once I learned my application had been denied I contacted ACS. I was told that ACS is still working on the certificates and making \" adjustments ''. The most outrageous part is that the representative on the phone could not tell me when the certificates would be completed. Since XXXX, I have called ACS several times and each time I get the same answer that ACS is still working on the certificates and can not tell me when they will be completed. \n\nIt is literally going on six ( 6 ) months and I still have not been able to consolidate my loans. This is truly unfair, as I have been subjected to higher interest rates and I am losing credit time towards the Public Service Loan Forgiveness program as I must be serviced by XXXX to qualify. I am literally being held kidnapped by ACS Education who refuses to issue loan value certificates so I can consolidate my loans with another company at a lower interest rate. I have done some research online and there have been a ton of complaints and lawsuits made against ACS Education. \n\nOne important note is that when I contacted PHEAA to inquire as to why my consolidation application had been denied, the representative on the phone explained to me that PHEAA always has issues with ACS and getting loan value certificates. Appropriate action must be taken against ACS Education as this is truly unfair to consumers whose loans are serviced by ACS.","date_sent_to_company":"2016-06-15T11:46:51.000Z","issue":"Dealing with my lender or servicer","sub_product":"Federal student loan servicing","zip_code":"223XX","tags":null,"has_narrative":true,"complaint_id":"1970885","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ACS Education Services","date_received":"2016-06-15T11:46:50.000Z","state":"VA","company_public_response":null,"sub_issue":"Having problems with customer service"},"highlight":{"complaint_what_happened":["I <em>have</em> done some research online and there <em>have</em> <em>been</em> a ton of complaints and <em>lawsuits</em> made <em>against</em> ACS Education. \n\nOne important note is that when I contacted PHEAA to inquire as to why my consolidation application had <em>been</em> denied, the <em>representative</em> on the phone explained to me that PHEAA always has issues with ACS and getting loan value certificates. Appropriate action must be taken <em>against</em> ACS Education as this is truly unfair to consumers <em>whose</em> loans are serviced by ACS."]},"sort":[18.035519,"1970885"]},{"_index":"complaint-public-v1","_id":"4555910","_score":16.34497,"_source":{"product":"Mortgage","complaint_what_happened":"I paid off my mortgage to Roundpoint Mortgage on XX/XX/2021, which is confirmed by a letter I received from them with that date. The company owes me a refund of over {$3000.00} from the escrow account they held. \n\nMy understanding is Roundpoint, by law, has 20 business days to submit a refund to me. This has not happened. \n\nOn XX/XX/XXXX, I called Roundpoint to inquire about the status of my refund. The customer service representative I spoke to said that, according to their records, a check was cut on XX/XX/XXXX and was mailed out via USPS on XX/XX/XXXX. And they blamed my not receiving the check on the USPS. \n\nOn XX/XX/XXXX, I called again and received the same answer. Not satisfied, I asked to be transferred to a supervisor. I then spoke to XXXX XXXX in the Escalations Resolutions department. She said she usually tells customers to allow 30 days to receive a check in the mail. \n\nAs of today 's date, that check has still not arrived. \n\nAnd, doing a search on reviews of Roundpoint Mortgage, I see the company has nothing but complaints and a star rating of 1.5. \n\nI am not the only consumer whose funds have been, and are being, held hostage by this company. \n\nI'm happy to provide you with any information you require, like the loan number, or whatever, if you are able to look into this for me and help me resolve my problem. \n\nMore importantly, I think the world needs to know that Roundpoint Mortgage is a horrible financial institution and a lawsuit should be filed against them for blatantly breaking the law. \n\nLet me know if you have any questions or require any additional information. \n\nThank you for taking a look into this.","date_sent_to_company":"2021-07-19T19:10:03.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"94402","tags":null,"has_narrative":true,"complaint_id":"4555910","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RoundPoint Mortgage Servicing LLC","date_received":"2021-07-19T19:00:19.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I am not the only consumer <em>whose</em> funds <em>have</em> <em>been</em>, and are being, held hostage by this company. \n\nI'm happy to provide you with any information you require, like the loan number, or whatever, if you are able to look into this for me and help me resolve my problem. \n\nMore importantly, I think the world needs to know that Roundpoint Mortgage is a horrible financial institution and a <em>lawsuit</em> should be filed <em>against</em> them for blatantly breaking the law."]},"sort":[16.34497,"4555910"]},{"_index":"complaint-public-v1","_id":"9928663","_score":15.761972,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I received an email from MomntXXXX XXXX ( whose address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and phone number is ( XXXX ) XXXX ) on XX/XX/XXXX about a retail installment credit agreement in the amount of {$7400.00}, dated XX/XX/XXXX. The original merchant on this document is XXXX XXXX XXXX XXXX. I have never heard of nor have I ever been to this clinic and I DID NOT obtain goods, services or money as a result of this transaction and I did not consent to this transaction either in person, in writing or electronically. I do not know how someone obtained my personal information in order to take out this fraudulent loan! I looked up this clinic online and the address I found is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and its mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX . The phone number XXXX is no longer in service and it appears this business no longer exists. I believe someone at this place of business stole my identity and has has been reported to my local police department and to identitytheft.gov. I was told by a representative at Momnt on the phone that it was a promotional agreement and payments were not due for 24 months which must be why I did not know about it until 24 months later when I first received the email. The credit report reflects 100 percent of payments were on time. But he representative told me no payments were made since there were none due during the promotional period. This must be why it is just now showing on my credit report since payments are now due. Regardless, I made no such payments as I had no knowledge nor did I consent to this loan and it should be remove from my credit report. I have read several complaints of fraud online about this XXXX XXXX XXXX XXXX. I've also read that on the Tennessee Secretary of State website that it's Limited Liability Company is dissolved and appears to have many lawsuits filed against it. I have disputed this with the credit bureaus as well. But the finance company \" MomntXXXX XXXX '' insists on collecting this debt that I am not responsible for claiming that I signed the agreement electronically. I've never signed any agreement electronically in my life and they are trying to collect a debt that is fraudulent and is identity theft!","date_sent_to_company":"2024-08-26T16:46:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38122","tags":null,"has_narrative":true,"complaint_id":"9928663","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Momnt Technologies, Inc.","date_received":"2024-08-26T15:56:44.000Z","state":"TN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I've also read that on the Tennessee Secretary of State website that it's Limited Liability Company is dissolved and appears to <em>have</em> many <em>lawsuits</em> filed <em>against</em> it. I <em>have</em> disputed this with the credit bureaus as well. But the finance company \" Momnt<em>XXXX</em> <em>XXXX</em> '' insists on collecting this debt that I am not responsible for claiming that I signed the agreement electronically."]},"sort":[15.761972,"9928663"]},{"_index":"complaint-public-v1","_id":"5165886","_score":15.331703,"_source":{"product":"Student loan","complaint_what_happened":"I read that you have recently completed a lawsuit against XXXX and believe I should be one of the students whose balance should be forgiven under that lawsuit. I graduated from University of XXXX in XXXX with XXXX student loans. I paid off my small XXXX loan fairly quickly. The XXXX Federal Subsidized and Unsubsidized loans were for about {$83000.00} at that time and were with XXXX XXXX. I was counselled to consolidate the loans, which led to them getting BIGGER- they went up to {$87000.00}. I became deathly ill in XX/XX/XXXX and was hospitalized for 6 months. At that time the loan balance was at {$72000.00}, as far as I can tell ( it is hard to get reliable records from XXXX going back that far ). While I was in the hospital my XXXX XXXX XXXX mother contacted the loan company on my behalf and was counselled to put me in forbearance. It took me several years to recover and get back to work, during which time the interest accrued on the loans. When I started full payments again in XXXX the balance was at about {$89000.00} ( I don't have an actual record of what they say I owed at that time ). I am now XXXX years old and trying to retire and I have been paying on this student loan for 22 years. I have paid over {$100000.00} and still owe {$45000.00} in accrued interest. This interest accrued during my illness due to the forbearance. Had my mother been told the results of her decision, we could have come up with a way to continue paying the loan and avoiding all this excess. However, neither my mother nor I had any idea there was any hope of an alternative that could avoid this disaster being piled upon the disaster of all those years of XXXX. Furthermore, through the intervention of my Congressional Representative 's office, I have talked extensively to XXXX who took over the loan in XXXX, trying to XXXX get full records of the loan since its inception, XXXX get a clear explanation of how interest was figured on the loan, since sometimes the interest payments got bigger instead of smaller, and XXXX where {$900.00} worth of payments I had made over a 9 month period in XXXX had gone, as I couldn't find them on the documents Navient finally sent me. After several months I believe it was resolved that the {$900.00} was correctly applied, but questions XXXX and XXXX never got properly answered. \n\nThe bottom line is I have paid off the loan WITH INTEREST and now only owe interest that accrued because of bad advice that my mother received to get a forbearance that led to the loan ballooning while I was ill.","date_sent_to_company":"2022-02-01T20:32:28.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"80012","tags":"Older American","has_narrative":true,"complaint_id":"5165886","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2022-01-30T20:25:22.000Z","state":"CO","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["I read that you <em>have</em> recently completed a <em>lawsuit</em> <em>against</em> <em>XXXX</em> and believe I should be one of the students <em>whose</em> balance should be forgiven under that <em>lawsuit</em>. I graduated from University of <em>XXXX</em> in <em>XXXX</em> with <em>XXXX</em> student loans. I paid off my small <em>XXXX</em> loan fairly quickly. The <em>XXXX</em> Federal Subsidized and Unsubsidized loans were for about {$83000.00} at that time and were with <em>XXXX</em> <em>XXXX</em>. I was counselled to consolidate the loans, which led to them getting BIGGER- they went up to {$87000.00}."]},"sort":[15.331703,"5165886"]},{"_index":"complaint-public-v1","_id":"3930852","_score":14.972327,"_source":{"product":"Mortgage","complaint_what_happened":"Before I respond to WF, I would like to include news stories about just some of the news WF has made in no particular order : New York ( XXXX XXXX ) XX/XX/XXXX Wells Fargo has fired more than 100 employees for misrepresenting themselves to obtain money from a relief fund for small businesses, and whose actions may have amounted to defrauding the US Small Business Administration. \n\nIn a memo to some staff Wednesday, which was obtained by XXXX XXXX, Wells Fargo ( WFC ) human resources head XXXX XXXX wrote that the bank identified employees whom it believes may have \" defrauded the U.S. Small Business Administration ( SBA ) by making false representations in applying for coronavirus relief funds for themselves through the Economic Injury Disaster Loan program, which is administered directly through the SBA. \n\n( XXXX ) - Wells Fargo & Co 's WFC.N profit plunged 57 % in the third quarter, missing Wall Street 's expectations as persistent costs tied to its years-old sales practices scandal continued to haunt the bank. \n\nXX/XX/XXXX XXXX, XXXX ( XXXX ) - Wells Fargo & Co agreed to pay {$170.00} XXXX to resolve allegations it charged XXXX-Americans and XXXX higher rates and fees on mortgages even when they qualified for better deals during the housing boom, the U.S. Justice Department said on Thursday. \n\nA government investigation found 34,000 instances of Wells Fargo charging XXXX Americans and XXXX higher fees and rates on mortgages compared with XXXX borrowers with similar credit profiles, according to documents filed in the U.S. District Court for the District of Columbia. \n\nXXXX XXXX ( XXXX XXXX ) - Wells Fargo, the nation 's fourth-largest bank, agreed Friday to pay a {$3.00} XXXX fine to settle a civil lawsuit and resolve a criminal prosecution filed by the Justice Department over its fake account scandal. \n\nUnder pressure to meet sales quotas, bank employees opened millions of savings and checking accounts in the names of actual customers, without their knowledge or consent. Since the fraud became public in XXXX, the bank has faced a torrent of lawsuits. The scheme lasted more than a decade, Justice Department officials said, and was carried out by thousands of Wells Fargo employees. \n\nXXXX XXXX ( XXXX XXXX ) - More Wells Fargo customers say the bank decided to pause their mortgage payments without asking XXXX later learned what had happened. Without her knowledge, the bank had put her into a program that suspended payments on her federally backed loan. Known as forbearance, it is a CARES Act program that aims to help borrowers who are having trouble making their payments because they've been hurt by COVID-19. \n\nWhile in forbearance, XXXX and her husband almost certainly can't refinance their mortgage, because most banks won't underwrite new loans for borrowers whose mortgage payments are suspended. As long as the forbearance notation remains in their credit report, the XXXX can't take advantage of rock-bottom interest rates and are stuck at Wells Fargo. \n\nOB - I raised the question about the interest rates I was offered after learning about another Wells Fargo scandal where they offered different interest rates to XXXX and XXXX borrowers compared to XXXX borrowers with similar financial backgrounds. \n\nDid WF respond to my question? - No Why? - WF lies again! \n\nOB - ( This statement was in response to XXXX XXXX ) I believe she may have been responding to my email to the Board of Directors about a XXXX XXXX story that enlightened me on more bad behavior from Wells Fargo. Based on what I read about a XXXX lawsuit on how Wells Fargo mistreated XXXX and XXXX borrowers, I began to question if those practices were still in play. I did question if the fees AND interest rate I was offered were the same as someone of a different race with similar financial numbers. I do know that I dealt with two mortgage consultants in the beginning and received a lower interest from the second one. \n\nWF - In your inquiry you advised you felt you were being discriminated against because of the interest rate you discussed with a Home Mortgage Consultant. \n\nOB - Did I advise I was discriminated against or did I request an explanation as to why the interests rates were different from one representative to another? \n\nWF - On XX/XX/XXXX, the same representative reached out to you via email to advise you that the VA had lowered their interest rates and wanted to go over the changes that had occurred. \n\nOB - If you read the email from XXXX XXXX, you will notice that he did not reach out to me on XX/XX/XXXX to advise me the VA lowered the interest rate. After speaking to him on an earlier date when he suggested to wait to see if rates would go down, he emailed me on XX/XX/XXXX to let me know the rates had dropped. He verbally told me that the rate was 3.5 %. On XX/XX/XXXX, he contacted me via email to confirm the time that we would speak which was supposed to be XXXX. \n\nWF - Due to an unforeseen circumstance you were unable to speak with this same representative and spoke to a different representative on the following day and were able to discuss the new interest rates. \n\nOB - It was during this discussion that I was quoted a lower interest rate. As I previously noted, I did not think anything more about the difference in interest rates until I learned about the XXXX lawsuit against WF. \n\nXX/XX/XXXX XXXX, XXXX ( XXXX ) - Wells Fargo & Co agreed to pay {$170.00} XXXX to resolve allegations it charged XXXX-Americans and XXXX higher rates and fees on mortgages even when they qualified for better deals during the housing boom, the U.S. Justice Department said on Thursday.\n\nA government investigation found 34,000 instances of Wells Fargo charging XXXX Americans and XXXX higher fees and rates on mortgages compared with XXXX borrowers with similar credit profiles, according to documents filed in the U.S. District Court for the District of Columbia. \n\n\nWF - We found no evidence of discrimination. \n\nThat is an easy thing to say when you provide no evidence to support your claim. What evidence did you provide in XXXX?","date_sent_to_company":"2020-11-01T19:52:32.000Z","issue":"Closing on a mortgage","sub_product":"VA mortgage","zip_code":"208XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3930852","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2020-11-01T19:43:41.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["OB - ( This statement was in response to <em>XXXX</em> <em>XXXX</em> ) I believe she may <em>have</em> <em>been</em> responding to my email to the Board of Directors about a <em>XXXX</em> <em>XXXX</em> story that enlightened me on more bad behavior from Wells Fargo. Based on what I read about a <em>XXXX</em> <em>lawsuit</em> on how Wells Fargo mistreated <em>XXXX</em> and <em>XXXX</em> borrowers, I began to question if those practices were still in play."]},"sort":[14.972327,"3930852"]},{"_index":"complaint-public-v1","_id":"7796213","_score":13.278715,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Tue, XX/XX/XXXX, XXXX, I completed a questionnaire in reference to the Equifax Data Breach with XXXX XXXX XXXX XXXX .\n\nThen on Mon, XX/XX/XXXX, XXXX, I was contacted to complete another questionnaire to determine how I was impacted. I completed the process and was contacted via telephone by XXXX XXXX, a legal assistant for XXXX XXXX XXXX, XXXX. She advised me I would be a part of the lawsuit and could be requested to testify in court and if chosen would I be okay with it? I advised her I would. She informed me to monitor my emails so they would be in contact. \n\nThen on Tue, XX/XX/XXXX, XXXX, I was sent an email from XXXX XXXX , a XXXX Managing Partner for XXXX XXXX XXXX XXXX , and in the letter, it stated, \" At this time, we are not asking you to become a Named Plaintiff in a suit against Equifax . Your name will therefore not be included in any of our class action complaints. Based on the information you have provided ; however, you may be a Class MembeXXXX. This means you may be entitled to some recovery if the cases against Equifax are successfully resolved, even though we will not be acting as your legal representative. '' Then on Thu, XX/XX/XXXX, XXXX, I was sent a final email from XXXX XXXX XXXX XXXX XXXX and they provided an update of the settlement and it stated, \" Now that Judge XXXX has given preliminary approval to the settlement deal, the Leadership Committee is required to give notice to all Class Members that the case is being settled. The Leadership Committee will go through a formal process of providing notice, which will include sending emails to those individuals whose emails are known, plus using traditional media, social media, and a variety of other means to ensure that all 147 million members of the class receive notice. All the following information will be included in the Notice, but we provide the following as a courtesy in advance of the formal Notice. \n\nThere is no need to wait for formal notice to begin to make claims. We encourage you to visit the following website to familiarize yourself with the terms of the deal, and if you so ch0ose, to initiate your process of making a claim : www.equifaxXXXX. Also, there is an attachment, \" Equifax Data Breach Claim Form SETTLEMENT BENEFITS WHAT YOU MAY GET. \" Then on Tue, XX/XX/XXXX, XXXX, I submitted my claim for funds distribution, and I also contacted In re Equifax Data Breach Settlement , c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX at XXXX and informed them I had submitted a benefit distribution form via their website at equifaxXXXX. Later, I was sent an email stating : \" Thank you for reaching out to the Equifax Data Breach Settlement Administrator. \n\nThe claim number you were assigned when filing your claim is : XXXX. \n\nPlease keep this number for future reference. If you filed your claim online, you may check your claim status at XXXX XXXX XXXX '' Finally, I received a notice from the Equifax Settlement Breach Settlement Division advising me : \" Your Claim Number : XXXX Dear XXXX XXXX XXXX : You filed a claim in the Equifax Data Breach Settlement. To be a Settlement Class Member you must have been one of the approximately 147 million U.S. consumers identified by Equifax whose personal information was impacted by the Data Breach that Equifax announced in XXXX of XXXX. However, according to XXXX records, you are not a member of the Settlement Class and are not eligible for Settlement benefits. '' On XX/XX/XXXX, I sent them a letter from XXXX XXXX XXXX XXXX showing them that I was a victim of the data breach and their website also indicated I am eligible to make this claim. \n\nI will provide attachments covering all conversations and steps I have taken to adhere to the guidelines of the settlement.","date_sent_to_company":"2023-11-03T07:04:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"304XX","tags":null,"has_narrative":true,"complaint_id":"7796213","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-03T06:15:31.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["To be a Settlement Class Member you must <em>have</em> <em>been</em> one of the approximately 147 million U.S. consumers identified by Equifax <em>whose</em> personal information was impacted by the Data Breach that Equifax announced in <em>XXXX</em> of <em>XXXX</em>."]},"sort":[13.278715,"7796213"]},{"_index":"complaint-public-v1","_id":"4004075","_score":12.806358,"_source":{"product":"Student loan","complaint_what_happened":"It is my third complaint on Navient. Navient has been calling me and emailing me, begging me to talk to them. I didn't want to talk to them because anytime I speak to them, it's always my one after another 's worst experience. They were recently begging in an email, leaving threatening voice mails on my phone, and contacting anyone they think are my relatives, including anyone related to my cosigner. On Tuesday, XX/XX/XXXX, they sent me an email that said they got some excellent offers to settle the loan and release my cosigner. After I finally contact them, I got a chance to speak to this lady name Ms. XXXX. \nMs. XXXX has also been leaving threatening voice mails on my phone, my cosigner phone, and anyone they think related to me or my cosigner for two weeks. Notice me or my cosigner never gave them anyone 's number for references. I think they buy people 's information illegally online and then start calling them. So, when I finally talk to Ms. XXXX, there was no reasonable offer. \nThe email was a trick to get me on the phone with them. When I refused the unrealistic offer, they made for settlement. She started screaming and yelling on the phone and keep telling me that there will be consequences and they will take my house ( which I don't have ), they will garnish my wages ( which I don't have ). After I told her I was done with her, and I was hanging off, she said, \" Okay, wait, talk to my supervisor. A guy came on the phone who was probably the biggest XXXX that I have ever spoken to on the phone in my whole life. He wasted my time for 20 minutes, asking me all kinds of questions, and then started harassing me. He started telling me he will garnish mine and my cosigner wages and take our houses, which none of us has. Navient needs to stop this kind of unrealistic harassment. I am taking XXXX  and XXXX medication because of the threats they have been making on my phone, my cosigner phone, and anyone we know whose information they buy online. I have XXXX XXXX because of them. I want to put this on the record that if I end up in a XXXX  XXXX  or XXXX  XXXX, it will be because of Navient. Today, XX/XX/XXXX XXXX, I got a threatening voicemail from Ms. XXXX on my phone again even though I talked to them yesterday. If they didn't stop and if I didn't end up in a mental hospital or didn't commit suicide because of them. I will be filing a lawsuit against them for defamation, psychological torture, harassment, violation of my privacy, and violating the fair debt collection act. It is almost becoming a joke that the CFPB lets Navient get away with this many illegal activities. I have always mentioned to them that I am recording the conversation and have all the conversations recorded. I will love to see them in court. The number of illegal activities they have done ; in my case, Navient representatives should be in jail for that.","date_sent_to_company":"2020-12-10T22:39:55.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"22043","tags":null,"has_narrative":true,"complaint_id":"4004075","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2020-12-10T22:31:25.000Z","state":"VA","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["I am taking <em>XXXX</em>  and <em>XXXX</em> medication because of the threats they <em>have</em> <em>been</em> making on my phone, my cosigner phone, and anyone we know <em>whose</em> information they buy online. I <em>have</em> <em>XXXX</em> <em>XXXX</em> because of them. I want to put this on the record that if I end up in a <em>XXXX</em>  <em>XXXX</em>  or <em>XXXX</em>  <em>XXXX</em>, it will be because of Navient. Today, XX/XX/<em>XXXX</em> <em>XXXX</em>, I got a threatening voicemail from Ms. <em>XXXX</em> on my phone again even though I talked to them yesterday."]},"sort":[12.806358,"4004075"]},{"_index":"complaint-public-v1","_id":"6448270","_score":12.777009,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo is closing my account due to a check that was returned over a month after it was paid to me by a man named XXXX XXXX whose address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was later informed by Wells Fargo that he wrote the check out of his XXXX XXXX check book, which I was not aware of until the client later fraudulently reported the check as if it was fraud committed against them. I was also kind enough to pay for a XXXX home for XXXX XXXX after his time was up due to the fact that his friends he came out with left him and he left his phone at home. I have the receipt from that, which I will include. I was allotted the opportunity of taking a photo of his license in case of any issue. I will include that as well, and I also have a video that I discreetly took of him on the phone with his bank ( XXXX XXXX ) arguing because they froze his card enabling him from using a different form of payment other than the check I can provide that however you can accept it. The video attachment is too large for upload on the website. Wells Fargo denied my offer of sending them any of this. At no point, other than to inform me of {$2000.00} being deducted from my account was I contacted by Wells Fargo. Over a month after the check was originally deposited. I've spoken to countless claims department representatives and I received the same answer. An \" investigation '' was completed with only one party 's side of the story, I feel like I have no voice. I was told my only option would be to file a police report or reach out to the client. I reached out to XXXX XXXX multiply times, I will also include proof of that. I feel like I've been robbed in more way than one. Money that was paid to me has virtually been stolen, my account is being closed without valid reason. My voice as well as my documented proof has not been reviewed or even given a once of investigating. I feel as though I've been harassed and discriminated against by this bank, I have been very transparent with the bank about the work I do and why I receive various form of payment. I have had issue with customers who come to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and rarely write checks. Some men have a horrible tendency of spending their money freely and then disputing payments once their XXXX  see the transactions or so it seems. It is at our discretion on what payments we accept due to the fact that we are all XXXX XXXX. To shed some light, I will include the prices of our XXXX XXXX XXXX XXXX XXXX is {$500.00} plus a {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is {$1000.00} plus a {$300.00} XXXX XXXX XXXX XXXX Additional payments are received for tips, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can go through and validate every transaction on my account. I have had my checking and savings account since I was XXXX, it started off as a XXXX XXXX XXXX and eventually a primary checking and savings. A XXXX XXXX after the check was returned due to a fraudulent claim and a nonexistent investigation, I receive an email. An email stating my account would be closed due to suspicious activity. I have called multiply times, pleaded my case to no avail. My voice seemly doesn't matter and I wholeheartedly believe it's due to my line of work. I do not have suspicious activity on my account, I have various ways that I am paid and I have consistently for awhile. I am not some master hacker that can or could have access to anyone 's finances and if a true investigation was performed my deposit history for the last 2-3 years would show this. My XXXX was deactivated months ago without any true explanation, I would try to use it and my online access would be suspended until I spoke with a representative on the phone. Everytime, my XXXX would be reinstated but was basically impossible to use. I would have never even had to consider accepting a check as a form of payment if I had access to my XXXX. I will continue to try every avenue until I exhaust all of my options to either save my account from closure or I will be filing a discrimination lawsuit against Wells Fargo and a civil suit against XXXX XXXX.","date_sent_to_company":"2023-01-17T19:34:39.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"77407","tags":null,"has_narrative":true,"complaint_id":"6448270","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-01-17T18:29:03.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Everytime, my <em>XXXX</em> would be reinstated but was basically impossible to use. I would <em>have</em> never even had to consider accepting a check as a form of payment if I had access to my <em>XXXX</em>. I will continue to try every avenue until I exhaust all of my options to either save my account from closure or I will be filing a discrimination <em>lawsuit</em> <em>against</em> Wells Fargo and a civil suit <em>against</em> <em>XXXX</em> <em>XXXX</em>."]},"sort":[12.777009,"6448270"]},{"_index":"complaint-public-v1","_id":"3930838","_score":12.099483,"_source":{"product":"Mortgage","complaint_what_happened":"Before I respond to WF, I would like to include news stories about just some of the news WF has made in no particular order : New York XXXX XXXX XXXX XXXX XX/XX/XXXX Wells Fargo has fired more than 100 employees for misrepresenting themselves to obtain money from a relief fund for small businesses, and whose actions may have amounted to defrauding the US Small Business Administration. \n\nIn a memo to some staff Wednesday, which was obtained by XXXX XXXX, Wells Fargo ( WFC ) human resources head XXXX XXXX wrote that the bank identified employees whom it believes may have \" defrauded the U.S. Small Business Administration ( SBA ) by making false representations in applying for coronavirus relief funds for themselves through the XXXX XXXX XXXX XXXX program, which is administered directly through the SBA. \n\nXXXX XXXX XXXX - Wells Fargo & Co 's WFC.N profit plunged 57 % in the third quarter, missing XXXX XXXX 's expectations as persistent costs tied to its years-old sales practices scandal continued to haunt the bank. \n\nXX/XX/XXXX XXXX, XXXX XXXX XXXX ) XXXX Wells Fargo & Co agreed to pay {$170.00} XXXX to resolve allegations it charged XXXX-Americans and XXXX  higher rates and fees on mortgages even when they qualified for better deals during the housing boom, the U.S. Justice Department said on Thursday. \n\nA government investigation found XXXX instances of Wells Fargo charging XXXX Americans and XXXX  higher fees and rates on mortgages compared with white borrowers with similar credit profiles, according to documents filed in the U.S. District Court for the District of Columbia. \n\nXXXX XXXX XXXX XXXX XXXX ) - Wells Fargo, the nation 's fourth-largest bank, agreed Friday to pay a {$3.00} XXXX fine to settle a civil lawsuit and resolve a criminal prosecution filed by the Justice Department over its fake account scandal. \n\nUnder pressure to meet sales quotas, bank employees opened millions of savings and checking accounts in the names of actual customers, without their knowledge or consent. Since the fraud became public in XXXX, the bank has faced a torrent of lawsuits. The scheme lasted more than a decade, Justice Department officials said, and was carried out by thousands of Wells Fargo employees. \n\nXXXX XXXX XXXX XXXX XXXX ) - More Wells Fargo customers say the bank decided to pause their mortgage payments without asking XXXX later learned what had happened. Without her knowledge, the bank had put her into a program that suspended payments on her federally backed loan. Known as forbearance, it is a CARES Act program that aims to help borrowers who are having trouble making their payments because they've been hurt by COVID-19. \n\nWhile in forbearance, XXXX and her husband almost certainly can't refinance their mortgage, because most banks won't underwrite new loans for borrowers whose mortgage payments are suspended. As long as the forbearance notation remains in their credit report, the XXXX can't take advantage of rock-bottom interest rates and are stuck at Wells Fargo. \n\nOB - Wells Fargo did not address the overage that I was told would have happened as a result of making the mortgage payment on XXXX XXXX. I was lead to believe that this overage would occur once the original loan was completely paid off and that XXXX XXXX payment would have been extra. If this was not to be the case, Wells Fargo did not clarify. Please tell me where in any of the responses does Well Fargo mention this overage. \n\nDid WF answer my question based on what XXXX XXXX said? - NO Why? - WF responses have been repetitive with numbers on this topic but they have not addressed what XXXX XXXX said in his email. At no time in his response did he mention escrow but now WF makes note of an escrow overage. When I asked if the escrow check included the overage payment XXXX XXXX mentioned in his email, WF gave me multiple confusing responses before deciding to totally ignore the direct question. \n\nMr. XXXX either lied or misinformed me about the mortgage payment overage. WF has also not addressed the following my following statement : I did learn from a Wells Fargo representative that there was a delay in paying off the old loan which caused me to accrue more interest on the old mortgage loan. The question is why was there a delay? Did XXXX XXXX or someone else cause this delay? Is this why they want to speak about everything other than the comments XXXX XXXX said? \n\nI still do not know what XXXX XXXX meant by completed and boarded. In fact she said Additionally, we review your concern that your closer had advised the loan would be completed and boarded into our system of record by XX/XX/XXXX. We found no evidence that this information was provided to you. \n\nAgain, here is what the closer said in his email : I spoke with my manager and she did confirm that late charges are assessed on the XXXX and we are not scheduled to disburse until the XXXX. \n\nIf the payment was made on the XXXX as scheduled you would receive a refund for the overpayment because we would not be able to rework numbers prior to closing in this scenario. \n\nI am once again requesting a complete answer to this issue and I will continue to file complaints against WF until they provide an adequate and honest response","date_sent_to_company":"2020-11-01T19:41:23.000Z","issue":"Closing on a mortgage","sub_product":"VA mortgage","zip_code":"208XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3930838","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2020-11-01T19:20:53.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I was lead to believe that this overage would occur once the original loan was completely paid off and that <em>XXXX</em> <em>XXXX</em> payment would <em>have</em> <em>been</em> extra. If this was not to be the case, Wells Fargo did not clarify. Please tell me where in any of the responses does Well Fargo mention this overage. \n\nDid WF answer my question based on what <em>XXXX</em> <em>XXXX</em> said? - NO Why? - WF responses <em>have</em> <em>been</em> repetitive with numbers on this topic but they <em>have</em> not addressed what <em>XXXX</em> <em>XXXX</em> said in his email."]},"sort":[12.099483,"3930838"]},{"_index":"complaint-public-v1","_id":"3859382","_score":11.828396,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I have received the following notice on XX/XX/XXXXXXXX  ( did not see email since it was in my spam folder, the email address from the sender is bizarre ), When i called today after receiving a disturbing voicemail saying that I owe money to Castle Payday Loan i was told that I owed money and that they were going to take to court. Castle Payday Loan which is now Big Picture payday loan and they have no record of me having any type of loan with them when i called them  XX/XX/XXXX. I asked them to send me a copy of the record they have against me, and they refuse to. They said that I would only receive a receipt once the debt has been paid. I even called castle/big picture payday loan on three-way with the collection agency and still no record. Also, prior to researching I did at one point in our conversation comply with paying and even gave them my payment information but as i said, i realized that it was quite fishy, so i called  them back and cancelled that payment arrangement, then they said that they would hold that against me. But like i told them, i need to see a some type of proof that i owe something that i cant just pay something that i have no recollection of. But like said, I did end up canceling the arrangement because like i told the man, I have no record of having a loan with castle nor do they. The number the collection agency are harassing me from is XXXX case # XXXX. They said i took the loan out in XXXX. They have been calling my home, calling my mother, saying they are going to contact my place of employment.. that they will come looking for me. That they will take me to court. It is very concerning. I have no problem in resolving something, but again no one other than the agency that is calling me has a record of this debt. I can not remember the full amount that they said I owe. They told me they would settle for {$680.00} and they would be able to settle it in 5 payments. The first one of {$180.00}, and the last 4 of {$120.00}. When i asked one of the guys as to what the name of the agency they are calling me from and said assurance, but nothing comes up in XXXX search. \n\nThe last conversation had with the agency calling me with threats is that with out any type of invoice, i can not do any business. They then said they will take me to court and that my automated voice agreeing to the original payment arrangement would be used against me. I told him, with out anytype of formal notice I would not pay them. Again he told me the only notice he would send me is the receipt once its paid. \n\nThis is very crazy and i need some help. This is the email that was sent to me and was in my spam. \n\nXXXX Notice ID XXXX PIN : XXXX XXXX XXXX XXXX If You Obtained a Big Picture or Castle Payday Loan You Could Get Loan Forgiveness and/or a Cash Payment from a Settlement. \nA federal court ordered this notice. This is not a solicitation from a lawyer. \n\nRead this Notice. It states your rights and provides you with information regarding a proposed nationwide class action settlement ( \" Settlement '' ) in lawsuits brought against a number of companies and persons alleged to be involved with the making of online loans in the name of Big Picture Loans and XXXX  XXXX  XXXX  XXXX XXXX Castle Payday Loans. All of these settling parties, listed below, are known here as the Settling Defendants. \n\n\nThe lawsuit claimed that the Big Picture and Castle Payday loans violated state usury laws and the XXXX Influenced and Corrupt Organizations Act. There was no finding of liability in this case, and the Settling Defendants vigorously denied all allegations in the lawsuits.\n\nAs part of the proposed Settlement, individuals who executed Big  Picture and/or Castle Payday loan agreements from XX/XX/XXXX to XX/XX/XXXX may be eligible to receive certain benefits, as detailed below, including cash refunds.\n\nThis Notice is a summary of information about the Settlement and explains your legal rights and options because you may be a member of the class of borrowers who would be affected if the Settlement is finally approved by the Court. The complete terms of the proposed Settlement are available at the Settlement website,  XXXX.XXXX.XXXX  ( \" Settlement Website '' ). You may also obtain further information about the Settlement at the following telephone number : ( XXXX ) XXXX XXXX. \nYOUR LEGAL RIGHTS AND OPTIONS IN THIS SETTLEMENT DO NOTHING You will remain a member of the Settlement Class. You may receive certain benefits without doing anything, including a reduction in the amount of interest you can be charged on your loan.\n\nHowever, if you do nothing, you will not receive a cash payment. You can still bring any claim you may have against a Defendant, but only on an individual basis.\n\nMAKE A CLAIM FOR A CASH PAYMENT You can make a claim for a cash amount by submitting the attached claim form ( \" Claim Form '' ) by mail or at XXXX.XXXX.XXXX. You will receive a cash  payment if you repaid your loan, and paid more than 2.5 times the original principal amount of the loan in payments over the life of the loan. You can go to XXXX to see whether you would receive a cash payment. \n\n\n\nThe deadline to submit a claim form is XX/XX/XXXX. You must mail or submit your claim online by that date. \n\n\n\n\n\nOBJECT TO THE SETTLEMENT If you want to object to the settlement, you may write to the Courts about why you don't like the settlement or why the Court should not approve it. \n\n\n\nThe deadline to object to the settlement is XX/XX/XXXX. You must file any objection by that date. \n\n1. WHY IS THERE A NOTICE?\n\nThis Notice relates to a proposed nationwide Settlement that will be considered by a United States District Court in XXXX, Virginia ( the \" Court '' ). Before the Settlement becomes effective, it must be finally approved by the Court. The claims of the Settlement Class Members ( as defined below ) are being settled in the Court in the following class action matter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the \" Lawsuit '' ).\n\nThe Settlement also resolves other cases in Virginia, California, Oregon, Georgia, and Massachusetts.\n\nYou have been identified as a Settlement Class Member. The Court authorized this Notice because you have a right to know about a proposed Settlement of the lawsuit and about all your options before the Court decides whether to give \" final approval '' to the Settlement. This Notice explains the lawsuit, the Settlement, and your legal rights.\n\n2. WHAT ARE THESE LAWSUITS ABOUT? \nThe claims involved in the Settlement arise out of loans made in the name of two companies that are owned by a XXXX  XXXX  XXXX  XXXX  : Big Picture Loans and XXXX XXXX XXXX XXXX XXXX  Castle Payday Loans ( \" XXXX  Companies '' ). There were others that are alleged to have invested or assisted in the operations of these businesses. Several of these companies and individuals are also included in the Settlement ( collectively known as the \" Settling Defendants '' ). Each of the Settling Defendants is listed below in Section 7.\n\nThe plaintiffs in these cases claim that the Settling Defendants violated federal and various state laws by : ( a ) making and collecting loans with annual interest rates in excess of the amount allowed by state law, ( b ) lending to consumers when these entities were required to have a license from a state to lend to consumers, and they did not have that license, ( c ) servicing or collection activities, or ( d ) their involvement in and support of other parties ' conduct. \n\n\n\nThe plaintiffs in the lawsuit claim that the Tribal Companies ' loans violated state usury laws that govern the amount of interest lenders can charge and federal laws that prevent the collection of illegal debts.\n\nThe Settling Defendants do not agree that state law is applicable to the loans made by the Tribal Companies. They have vigorously denied all claims and allegations of wrongdoing. The Tribal Companies have maintained at all times that they are arms of the Tribe and share in the Tribe 's sovereign immunity. Notwithstanding the denials of liability and alleged unlawful conduct, the Settling Defendants have decided it is in their best interest to settle the Lawsuit to avoid the burden, expense, risk, and uncertainty of continuing in litigation.\n\nImportant case documents, including the Settlement Agreement, may be accessed at the Settlement Website, XXXX. \n\n3. WHY IS THIS A CLASS ACTION?\n\nIn a class action or proceeding, one or more people, called class representatives, bring an action on behalf of people who have similar claims. All of the people who have claims similar to the class representatives are a class or class members, except for those who exclude themselves from the class. Here, the Plaintiffs have filed a claim on behalf of the Settlement Class. \n\n4. HOW DO I KNOW IF I AM INCLUDED IN THE SETTLEMENT?\n\nYou are affected by the Settlement ( and thus a \" Settlement Class Member '' ) if you obtained a Big Picture or Castle Payday loan ( s )  from XX/XX/XXXX to XX/XX/XXXX ( the \" Settlement Class '' ). \n\n\n\nThe Settling Defendants ' business records have identified you as a member of the Settlement Class.\n\n5. WHAT DOES THE SETTLEMENT PROVIDE AND HOW MUCH WILL MY PAYMENT BE?\n\nThe Settling Defendants have agreed to create a fund in the amount of {$8.00} million ( \" Settlement Fund '' ), and they have also agreed to certain other forms of non-monetary relief for the Settlement Class.  The Settling Defendants have agreed to provide the following benefits and others more fully described in the Settlement Agreement : a ) Consumer Refund. A Settlement Fund will provide payments to some Settlement Class Members who submit claims to the administrator of the Settlement ( \" Settlement Administrator '' ). Only borrowers who repaid the loan and also paid more than 2.5 times the original principal amount of the loan in payments over the life of the loan will receive a refund payment. YOU MUST SUBMIT A VALID CLAIM FORM TO RECEIVE A REFUND PAYMENT. The amount of your check will depend on the amount of interest that you paid on your loan ( s ) and how many total valid claims are made by other Settlement Class Members. The Settlement Administrator will mail the check to the address you provide on the Claim Form, and so it is your obligation to update your address with the Settlement Administrator if you move.\n\nb ) Reduced Interest on Pending Loans. For those Settlement Class Members whose loan ( s ) have not been fully paid off or are not more than 210 days delinquent or past due, the Settling Defendants agree to collect no more than 2.5 times the original principal amount of the loan in payments over the life of the loan. For example, if the original principal amount of the loan was {$500.00}, then the Settling Defendants have agreed to cap collection at {$1200.00} over the life of the loan, including payments credited to either interest or principal reduction. \n\nc ) Loan Forgiveness. For those Settlement Class Members whose loan ( s ) are currently, or become, more than 210 days in default ( \" Charged-Off Loans '' ), the Settling Defendants agree to cease any collection activities and cancel all such loans as a contested liability to the extent not already done. The Settling Defendants will not assign, sell, or transfer any interest in Charged-Off Loans and/or future loan proceeds from Charged-Off Loans.\n\n6. WHAT DO I HAVE TO DO TO RECEIVE MY PAYMENT?\n\nTo receive a refund payment from the Settlement Fund, you must complete the Claim Form linked to this Notice or at XXXX. The Claim Form requires your name, current postal address, date of birth, and the last four digits of the Settlement Class Member 's Social Security number. The Claim Form and the Settlement Website provide complete instructions for  completion of this claims process. You may submit only one Claim Form regardless of the number of loans you had.\n\nYou must mail or submit online your Claim Form no later than XX/XX/XXXX. \n\n\n\nThe Claim Form is also made available for download on the Settlement Website or by request from the Settlement Administrator.\n\nIf you are entitled to a payment, the Settlement Administrator will mail you a check upon receipt of a Valid Claim approximately 395 days after the Court grants final approval of the Settlement and any appeals are resolved. \n\n\n\nThe Settlement Administrator will mail the check to the address you provide on the Claim Form, and so it is your obligation to update your address with the Settlement Administrator if you move. You can contact the Settlement Administrator at the telephone number or address below if your address has changed.\n\nTO SEE IF YOU QUALIFY FOR A CASH REFUND PAYMENT, you can go to XXXX XXXX XXXXXXXX or call ( XXXX ) XXXX. \n\n7. WHAT AM I GIVING UP IN THE SETTLEMENT?\n\nAs a member of the Settlement Class, you are providing a \" Release '' of certain claims against the \" Released Parties '' in the Settlement, who are the Settling Defendants. If you do nothing or otherwise do not receive a cash refund payment, you do not release any of your rights or claims, but you can only bring those on an individual basis. Under the Settlement, you lose your right to bring these claims in a different class action.\n\nIf you do submit a claim and do receive a cash refund payment, you will release all your claims against the Settling Parties and Released Parties. You will not be allowed to bring those claims either as an individual case or as a different class action.\n\nThe Released Parties and Settling Defendants include : the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the \" Tribe '' ) and the current and former members of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and/or any employees of the XXXX or any arms of the XXXX  ; Big Picture Loans , LLC ; XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX, XXXX and XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  ; and each of their current and former directors, officers, principals, trustees, shareholders, partners, contractors, agents, attorneys ( including, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ). \n\n\n\nUnder the Settlement, the Named Plaintiffs and Settlement Class Members who submit Valid Claims will be deemed to have released and waived all past, present, and future claims against the Released Parties relating to and/or arising out of loans made by and/or in the name of Big Picture and/or XXXX XXXX/Castle Payday that are the subject of the Lawsuit. Specifically, Section 12.1 of the Settlement Agreement states : 12.1 Release for Valid Claims. Upon the Effective Date, the Named Plaintiffs, for themselves and as representatives of the Settlement Class, each Settlement Class Member who submits a Valid Claim, and/or their respective spouses, heirs, executors, administrators, representatives, agents, attorneys, partners, successors, predecessors and assigns and all those acting or purporting to act on their behalf acknowledge full satisfaction of, and shall be conclusively deemed to have fully, finally and forever settled, released and discharged the Released Parties of and from the Released Claims. Nothing in this Settlement Agreement, however, shall be deemed a release of the Parties ' respective rights and obligations under this Settlement Agreement. Also, nothing in this Settlement Agreement shall be deemed a release of Plaintiffs ' and Settlement Class Members ' respective Claims against the Non-Settling Defendants. \n\nSettlement Class Members who do not submit a Valid Claim will be deemed to have provided a more limited release of only class, collective, and mass actions against the Released Parties. Specifically, Section 12.4 of the Settlement Agreement states : 12.4 Scope of Release for Settlement Class Members Who Do Not Receive a Payment ( \" Non-Payment Released Claims '' ). All Settlement Class Members who do not receive a payment from the Settlement Fund will waive their rights to bring a class action, collective action, and/or mass action ( but not an individual action ) against any and all of the Released Parties related to not only claims asserted in the Actions, but also claims that could have been asserted in the Actions.\n\nThe Plaintiffs have brought claims against other Non-Settling  Defendants and their companies who they allege were behind the lending operation. Specifically, claims against XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX, XXXX, or any other entities owned, directly or indirectly, by XXXX XXXX, XXXX XXXX, or XXXX XXXX will continue to be litigated by the Plaintiffs. If a class is certified, you may also be part of that class and will receive separate notice of this and any rights or benefits you may have due to those lawsuits.\n\n8. CAN I OPT OUT OF THE SETTLEMENT?\n\nNo. Settlement Class Members are not permitted to exclude themselves or otherwise \" opt out '' of the Settlement because of the nature of the Settlement, which is brought under Fed. R. Civ. P. 23 ( b ) ( 2 ). However, unless you request and receive a cash refund payment, you do not give up your rights ( if any ) to bring an individual claim in your own lawsuit. That individual lawsuit would not be part of this case, and you would need to obtain your own lawyer ( s ) to bring  it. \n\n9. HOW DO I TELL THE COURT THAT I OBJECT TO AND DO NOT LIKE THE SETTLEMENT?\n\nIf you are a Settlement Class Member, then you can object to the Settlement if you think the Settlement is not fair, reasonable, or adequate, and that the Court should not approve the Settlement. You have the right to appear personally and be heard by the judge. The Court will consider your views carefully.\n\nYour objection must be filed with the Court by XX/XX/XXXX. \n\n\n\nTo preserve your objection, you must send a letter stating your views to each of the parties listed below : Class Counsel Representative XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX J XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX Telephone : ( XXXX ) XXXX Email : XXXX Big Picture Defendants ' Counsel Representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, VA XXXX Telephone : ( XXXX ) XXXX Email : XXXX XXXX XXXX Defendants ' Counsel Representative XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Telephone : ( XXXX ) XXXX Email : XXXX Settlement Administrator Big Picture Class Action c/o Settlement Administrator XXXX XXXX XXXX XXXX, FL XXXX Telephone : ( XXXX ) XXXX Email : XXXX You should include the following case name and docket number on the front of the envelope and letter you file with the Court : \" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX'.\n\nAll objections must include the following information : Your name, address, telephone number, and the last four digits of your Social Security number ; A sentence confirming that you are a Settlement Class Member ; Your factual basis and legal grounds for the objection to the Settlement ; and The name, firm name, phone number, email address, and mailing address of counsel representing you, if any.\n\nAny lawyer who intends to appear at the Final Fairness Hearing must\nalso enter a written Notice of Appearance of Counsel with the Clerk of the Court no later than thirty ( 30 ) days before the Final Fairness Hearing and shall include the full style and case number of each previous class action case in which that counsel has represented an objector.\n\n10. WHEN AND WHERE WILL THE COURTS DECIDE WHETHER TO APPROVE THE SETTLEMENT? \nThe Court will hold a hearing to decide whether to approve the Settlement on XX/XX/XXXX at XXXX XXXX. in the courtroom of XXXX XXXX XXXX XXXX of the United States District Court for the XXXX District of XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX Federal Courthouse, XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. At this hearing, the Court will determine whether the Settlement is fair, reasonable, and adequate.\n\nIf there are objections, the Court will consider them at that time. The hearing may be moved to a different date or time without additional notice. Please check XXXX  or call ( XXXX ) XXXX to be kept up-to-date on the date, time, and location of the hearing. \n\n11. DO I HAVE TO COME TO THE HEARING?\n\nNo. But you are welcome to come at your own expense. As long as you mailed your written objection on time, the Court will consider it. You may also retain a separate lawyer to appear on your behalf at your own expense.\n\n12. DO I HAVE A LAWYER IN THE CASE?\n\nYes. The Court has appointed these law firms in these cases as \" Class Counsel '' to represent you and all other members of the  Settlement Class : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. \n\n\n\nThese lawyers will not separately charge you for their work on the case. If you want to be represented by your own lawyer, you may hire one at your own expense.\n\n13. HOW WILL THE LAWYERS BE PAID? \nAs part of the proposed Settlement, Class Counsel are seeking an award of up to 33 % of the Settlement Fund for their attorneys ' fees and costs. The amount awarded by the Court will reduce the distributions to Settlement Class Members.\n\nClass Counsel also will ask the Court to approve a service award of up to {$5000.00} to each of the 43 individual Plaintiffs in this matter, depending upon each Plaintiff 's degree of contribution and service. The Plaintiffs were subject to extensive discovery and made substantial contributions in the prosecution of these lawsuits for the benefit of the Class. The Court will ultimately decide how much Class Counsel and the individual Plaintiffs will be paid.\n\nThe Settlement contains a number of detailed provisions for the allocation of the Settlement Fund, including the distribution of leftover amounts. The details for Settlement Fund distribution are set forth in the settlement documents available at the Settlement Website, XXXX.\n\n14. HOW DO I GET MORE INFORMATION?\n\nThis Notice summarizes the proposed Settlement. You can get a copy of the Settlement Agreement and other relevant case-related documents at the Settlement Website, XXXX by calling the Settlement Administrator at ( XXXX ) XXXX, or by contacting Class Counsel at the addresses above or by email to XXXX. \n\nPLEASE DO NOT ADDRESS ANY QUESTIONS ABOUT THE SETTLEMENT OR THE LITIGATION TO THE CLERK OF THE COURT, THE JUDGE, THE SETTLING DEFENDANTS OR THE SETTLING DEFENDANTS ' COUNSEL. THEY ARE NOT PERMITTED TO ANSWER YOUR QUESTIONS. \n\n\n\nDOWNLOAD CLAIM FORM XXXX XXXX XXXX Notice ID XXXX PIN : XXXX XXXX XXXX XXXX We will only contact you with court-authorized notices or to update you about a claim you have filed. We will never send you any advertising or solicitation from an attorney. To unsubscribe from further email and receive notices only by regular mail, click here. \n\n\n\nSettlement Administrator XXXX XXXX XXXX XXXX, FL XXXX","date_sent_to_company":"2020-09-28T16:09:55.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Payday loan","zip_code":"20653","tags":null,"has_narrative":true,"complaint_id":"3859382","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Big Picture Loans, LLC","date_received":"2020-09-22T16:59:16.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["You <em>have</em> <em>been</em> identified as a Settlement Class Member. The Court authorized this Notice because you <em>have</em> a right to know about a proposed Settlement of the <em>lawsuit</em> and about all your options before the Court decides whether to give \" final approval '' to the Settlement. This Notice explains the <em>lawsuit</em>, the Settlement, and your legal rights.\n\n2. WHAT ARE THESE <em>LAWSUITS</em> ABOUT?"]},"sort":[11.828396,"3859382"]},{"_index":"complaint-public-v1","_id":"10695008","_score":11.584997,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern : Please be advised that this letter serves as formal notice of my intent to pursue damages against Experian LLC and its subsidiaries for unauthorized reporting, retaliatory conduct, and multiple violations of federal law pertaining to my consumer credit report. \n\nOn XX/XX/year>, Experian LLC, along with its subsidiaries, added XXXX XXXX aka XXXX XXXX XXXX back to my credit report without my authorization and in violation of applicable law. This entity was previously reported on my account approximately one and a half years ago and was removed along with other accounts ' ( CFPB ) XXXX one of many This re-reporting marks the third occurrence of Experian reinstating XXXX XXXX or another company my account, demonstrating a repeated and deliberate disregard for lawful procedure and consumer protections. Furthermore, I have reason to believe that this action is retaliatory, given the disrespectful treatment I have received in multiple instances with your representatives, who have not only dismissed my concerns but have also resorted to unprofessional conduct by hanging up and even laughing at my requests for resolution. \n\nThis conduct on the part of Experian LLC and its agents has caused severe distress and has interfered with my ability to manage personal financial obligations, including a pending transaction to support my elderly grandmother. \n\nIn demanding damages of {$290000.00}, I cite both past and ongoing issues with Experian LLC, whose actions have undermined my financial standing and violated my rights. Specifically, I bring to your attention the following legal requirements under federal law : 1. Notice of Reporting Obligation : Under 15 U.S.C. 1681s-2, a furnisher of information is required to provide accurate and complete information. Any modification or re-reporting to a consumers credit file must be conducted in compliance with federal law, including the requirement to provide a minimum five-day notice before re-inserting any previously deleted information. \n\n\n2. Debt Validation Requirements : Pursuant to 15 U.S.C. 1692g, validation of a debt, if required, must be conducted in accordance with federal standards, which mandate a signed, third-party validation of the debt. This means that any alleged debt or account associated with XXXX XXXXXXXX must be verified with a third-party signature on file, and no such validation has been presented to me. \n\n\n\nExperians repeated disregard of these legal standards and its disregard for my consumer rights have inflicted financial harm and emotional distress. Your actions have demonstrated a reckless disregard for federal consumer protection laws, and they have directly impacted my ability to manage personal financial obligations. \n\nThis letter serves as my demand that Experian LLC immediately cease and desist from any further retaliatory actions, rectify this wrongful re-reporting of XXXX XXXX, and remit payment for damages in the amount of {$290000.00} to address the considerable harm caused by Experian LLCs actions. \n\n\" I had to cancel my bank appointment for ( XXXX ) XX/XX/year> my XXXX XXXX XXXX grand mother who needs money because of both storms in XXXX  XXXX live in XXXX XXXX XXXX XXXX point 3rd time Failure to comply with the above demands may result in my filing a formal lawsuit in the United States District Court for the [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX seeking the full amount of damages, as well as all applicable attorneys fees, court costs, and any other relief deemed appropriate. \n\nPlease respond in writing within ten ( 5 ) business days of receipt of this letter.","date_sent_to_company":"2024-11-05T16:49:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"87108","tags":null,"has_narrative":true,"complaint_id":"10695008","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-05T16:39:42.000Z","state":"NM","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Furthermore, I <em>have</em> reason to believe that this action is retaliatory, given the disrespectful treatment I <em>have</em> received in multiple instances with your <em>representatives</em>, who <em>have</em> not only dismissed my concerns but <em>have</em> also resorted to unprofessional conduct by hanging up and even laughing at my requests for resolution."]},"sort":[11.584997,"10695008"]},{"_index":"complaint-public-v1","_id":"12742100","_score":11.453961,"_source":{"product":"Checking or savings account","complaint_what_happened":"Consumer Financial Protection Bureau XXXX XXXX : XXXX. XXXX XXXX / Comerica Date : XX/XX/XXXX Submitted by : XXXX XXXX XXXX Case # XXXX To the Consumer Financial Protection Bureau, I am filing this formal complaint against U.S. Direct Express, operated by Comerica, due to their rampant negligence, refusal to verify my identity despite exhaustive efforts on my part, and fraudulent practices that have denied me access to a debit card I manage as a representative payee for my XXXX son. This account is tied to Social Security XXXX payments ( on behalf of XXXX XXXX ), and US direct Express/Comerica XXXX misconduct has caused significant financial hardship and distress over an extended period. \nDetails of the Complaint XXXX Excessive and Unresolved Contact Attempts\\nOver a XXXX period, I called U.S. Direct Express customer service more than XXXX times to resolve an identity verification issue blocking access to the debit card I manage as a representative payee. Each call averaged XXXX hours, totaling over XXXX hours on the phone. Despite pleading with representatives and providing valid identification as requested, I was repeatedly told by phone staff that managers in their \" Fraud Department '' deemed my documentation invalid. No clear explanation or resolution has been provided. \nXXXX Repeated Email Correspondence Ignored\\nI have emailed \" XXXX, '' managed by their Fraud Department XXXX XXXX XXXX times, responding to all requests for information and submitting valid identification. I have included only a fraction of these emails in this complaint to avoid excessive length, but I can provide further evidence if needed. U.S. Direct Express has consistently failed to acknowledge or act on my submissions, demonstrating gross negligence. \nXXXX Negligence Impacting Social Security Recipients\\nAs a representative payee for my XXXX son, I rely on this account to manage his Social Security XXXX XXXX U.S. Direct XXXX refusal to unlock the account has left us unable to access critical funds. This mirrors issues raised in the recent lawsuit led by CFPB XXXX XXXX XXXX concerning representative payees, underscoring a systemic failure. Additionally, I have experienced disconnected customer service calls after waiting on hold for over XXXX hours at a time, further exacerbating the problem. \nXXXX Fraudulent Fee Practices\\nFor over a decade, U.S. Direct Express falsely claimed that transactions with certain banks, such as XXXX, would incur no fees, yet fees were consistently charged. I submitted documentation highlighting these discrepancies for years, but U.S. Direct Express took no action. Specific fees I demand be refunded include : ATM fees ( both in-network and out-of-network ) ; Expedited card replacement fees, forced upon me when cards were canceled due to errors attributable to U.S. Direct Express ; and Any additional fees not explicitly listed here but incurred over the accounts XXXX year XXXX.XXXXXXXX  refuse to resubmit documentation already provided, as their inaction constitutes willful negligence. They must refund every cent of these fees, down to the XXXX. \nThey ( US direct  express ) will create a detailed breakdown of every single fee/additional expense that was applied to my account by US Direct  Express  XXXX XXXX, deceptive and abusive acts and practices. \nRequested Relief I urgently request the following from the CFPB : XXXX Immediate Account Access : Order U.S. Direct Express to verify my identity and unlock the account so I can fulfill my duties as a representative payee. \nXXXX Full Refund of Fees : Mandate a complete refund of all fees fraudulently charged to the account over its entire history ( XXXX years ), including ATM fees, expedited fees, and any other charges, with a detailed itemization provided to me. \nXXXX XXXX XXXX and Penalties : Urge the federal government to investigate and fine U.S. Direct Express/Comerica for their misdeeds against XXXX citizens XXXX particularly vulnerable Social Security XXXX XXXX If they refuse to comply, those responsible should face legal consequences. \nXXXX Systemic Accountability : Address the broader pattern of negligence, as evidenced by my case and the CFPBs recent lawsuit, to prevent further harm to consumers. \nConclusion U.S. Direct Express has been caught in blatant misconduct, and their refusal to act on years of evidence Ive provided is indefensible. I have spent countless hoursover XXXX  on the phone aloneand submitted over XXXX  emails, yet they continue to deny me access to my sons funds and retain illicit fees. This is not just a personal grievance but a failure impacting vulnerable Americans reliant on Social Security. I implore the CFPB to act swiftly to rectify this injustice and hold U.S. Direct Express accountable.\n\nThank you for your attention to this matter. I am prepared to provide additional documentation, including email records or call logs, upon request. \n\nI have included PDF 's and screenshots from 10 years ago regarding fees not ever being refunded. Emails and calls were carried out to retrieve the unethically charged fees from XXXX - present day and I have not seen XXXX sent refunded back to the account ( I have not touched upon fraud charged incurred on PREVIOUS debit cards that Us Direct Express did not address ). Current card has NO fraud and the XXXX card needs to be reactivated. Again, fraud occurred in XXXX cards and no remediation was applied. \nSincerely, XXXX XXXX Questions asked by Verification department and responded apppropriately by me : Thank you for reaching out to us. Were working on your request, please allow XXXX to XXXX business hours for your email to be reviewed. \n\nFor authentication purposes : As a reminder, of what we need from you in the email to expedite the review are as follows. \nFull Name The program for which you receive funds Case # Please note that any of the documents below can be sent in as digital images using your camera phone, or other digital image capture. \nWhat documentation is required? \nXXXX form of ID : Photo Identification ( Front & Back ) Drivers Licenses XXXX Passports State or Federal Identification card Note : Must not be expired. We dont accept XXXX and white photo IDs ( only exemption is temporary IDs ). \n\nIf you do not have a government issued ID, please email both a copy of the following : Birth Certificate Social Security Card If your account needs have not been resolved within XXXX hours, please call us back using the toll-free number on the back of your card. After entering your card number, you will be transferred directly to XXXX of our agents that can assist you. \n\n\nFor XXXX transfer purposes : As a reminder, of what we need from you in the email to expedite the review are as follows. \nFull Name The program for which you receive funds Current Mailing Address Case # Subject Line : ACH Transfer Please note that any of the documents below can be sent in as digital images using your camera phone, or other digital image capture. \nWhat documentation is required? \nXXXX form of ID : Photo Identification ( Front & Back ) Drivers Licenses XXXX Passports State or Federal Identification card Note : Must not be expired. We dont accept XXXX and white photo IDs ( only exemption is temporary IDs ). \nCopy of current or last months bank account statement ( must include routing and account number ) If you do not have a current bank statement with the routing and account number, please email the following : A letter from the bank or financial institution stating the Cardholder is the owner of the bank account Must be on the bank/financial institutions letterhead Must have the Cardholders information ( Name, Address, Bank account XXXX and Routing number ) Once your ID has been reviewed, and approved, the time frame for a transfer is up to XXXX ( XXXX ) calendar days. \n\nThanks again, XXXX XXXX XXXX XXXX XXXX response : Answers by me : XXXX XXXX XXXX Direct Express/Social Security XXXX Case ID XXXX I am not sure why you have not passed authorization regardless of sending proper documentation. \n\nI have provided you exactly what you requested. Below, I have outlined exactly what has been sent with an explanation above each. I have also attached the documents to the email as well. \n\nIt is important to note that XXXX XXXX 's CFPB lawsuit against Comerica/Us Direct Express XXXX XXXX to me and my son 's experience : I have emails from there XXXX office from Deliberately disconnecting customer service calls : XXXX vendors XXXX dropped more than XXXX XXXX calls from customers before they could reach a representative. Customers whose calls were not dropped were routinely forced to endure excessively long wait timesoften in excess of several hoursto speak with a representative to get help with unauthorized transactions, charge disputes, and lost or stolen cards. \nCharging consumers illegal ATM fees : Over XXXX XXXX XXXX XXXX cardholders were charged ATM fees to access their government benefits in situations where they were legally entitled to free withdrawals. \nMisleading fraud victims : When consumers contacted Comerica alleging they had been fraudulently enrolled into the XXXX XXXX program, the banks vendors frequently advised the consumers that no error occurred where the bank had determined that there was, in fact, enrollment fraud. \nImposing illegal terms of service on consumers seeking to stop payments : Comerica led its consumers to agree to waive their consumer protections by requiring cardholders to contact and request merchants to stop pre-authorized payment transfers from their account in situations where the law in fact required the bank to stop the transfers itself. \nFailing to investigate account problems : Under federal law, when a customer notifies a bank about an incorrect or potentially fraudulent charge on their account, the bank must take steps to investigate the error within a specified time period. The CFPBs investigation found that Comerica failed to meet this requirement more than XXXX times. And when they did investigate, they frequently provided vague and confusing findings or blew off customers altogether. \nForcing consumers to close accounts, which often resulted in additional fees : The banks vendors required thousands of cardholders to close their accounts to stop a preauthorized payment, resulting in consumers incurring additional fees to expedite receipt of their new debit cards to regain access to their government benefits. \n\nFor this complaint : I used XXXX SPECIFICALLY for this reason The email listed on the account with US direct express is : XXXX XXXX","date_sent_to_company":"2025-03-31T19:58:25.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"060XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12742100","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Comerica","date_received":"2025-03-31T18:54:39.000Z","state":"CT","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["It is important to note that <em>XXXX</em> <em>XXXX</em> 's CFPB <em>lawsuit</em> <em>against</em> Comerica/Us Direct Express <em>XXXX</em> <em>XXXX</em> to me and my son 's experience : I <em>have</em> emails from there <em>XXXX</em> office from Deliberately disconnecting customer service calls : <em>XXXX</em> vendors <em>XXXX</em> dropped more than <em>XXXX</em> <em>XXXX</em> calls from customers before they could reach a <em>representative</em>."]},"sort":[11.453961,"12742100"]},{"_index":"complaint-public-v1","_id":"1684853","_score":11.352843,"_source":{"product":"Bank account or service","complaint_what_happened":"Bureau of Consumer Finance ProtectionXXXX XXXX XXXX XXXX, DC XXXX, XXXX & XXXX credit reporting agenciesXXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, MD XXXX : Bank of America deceptive practicesDiscrimination against XXXX and XXXX personI had closed my account with Bank of America because of deceptive practices and refusing me XXXX accommodations to reasonably modify their policies as I am a XXXX customer causing me undue hardship. In addition, I discovered that Bank of America refuse to hire employees whose ethnicity is XXXX descent. In XXXX County, Maryland BOA hires XXXX and focus only XXXX clients which causes a language barrier because their employees only speak XXXX and little XXXX. I discovered that Bank of America been sued for discriminatory hiring practices against hiring persons in an XXXX descent ( See Appendix, BOA lawsuits and hiring practices ). The month of XXXX 2015 I tried to make a deposit a check {$38.00} and cash at the Bank of America in XXXX branch in XXXX County, MD. My cash got stuck at the drive thru ATM. The manager came out and snatch some of the money out and then I had to wait in the bank lobby for 1 hour and 30 minutes just obtain my money from the bank representative. Every BOA employee was speaking in XXXX and as I witness that all the XXXX clients received special preferences. There after I received a letter from Bank of America taking away my e-bill ( See Attached ). BOA states that the e-bill is only for paying my credit card even though I paid other bills such as my life insurance policy through e-bill system in XXXX 2015 for {$24.00} ( See Attached ). Bank of America also fabricated to XXXX that they closed my credit card account however on XXXX/XXXX/2015 I requested the credit card account to be closed ( See Attached BOA online chat ). \nBANK OF AMERICA I have a good payment history demonstrates that I pay Bank of America credit card over the {$25.00} recurring monthly amount. However, the month of XXXX 2015 Bank of America deceived my payment of {$40.00} when I went to BOA payment center and the BOA employee told me that I could I pay for XXXX 2015 which the receipt does demonstrate next month payment ( See Attached ) The month of XXXX XXXX 2015, I paid {$60.00}. XXXX XXXX, 2015 I paid {$50.00} and XXXX XXXX, 2015 I paid {$40.00}. My credit card was credited and paid {$170.00} in the month of XXXX 2015. My statements and this transaction demonstrates that I always pay over the monthly recurring credit card payments. \nXXXX XXXX and XXXX XXXX, both Consumer Advocates representing BOA. They both demonstrated deceptive practices such as fabricating that BOA automatic system do n't call me. I received harassing calls which Bank of America consumer advocates denied that they called but their employee XXXX XXXX, online chat states that the BOA automatic system did call me ( See Attachment ). \nBank of America deceived me as a loyal XXXX customer and accepted my {$40.00} at the BOA banking center for the XXXX 2015 payment by their own employee. The employee at BOA banking center in XXXX, MD accepted the XXXX 2015 payment early and gave me a receipt which states \" payment is for next month ''. I did inform the BOA employee that I was XXXX and I should have been provided XXXX accommodations which includes reasonable policies and rules that should be modified because of my XXXX. However BOA failed to provide specialized rules concerning customers with a XXXX, I paid XXXX bill two days earlysd. The XXXX 2015 receipt specify details \" next month payment '' and if BOA employee accepted this payment knowingly that I had a XXXX the payment should 've been accepted. However, BOA acted deceptive and discriminatory only to damage my credi","date_sent_to_company":"2015-12-06T23:26:12.000Z","issue":"Making/receiving payments, sending money","sub_product":"Other bank product/service","zip_code":"20878","tags":null,"has_narrative":true,"complaint_id":"1684853","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2015-12-06T23:26:11.000Z","state":"MD","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["In addition, I discovered that Bank of America refuse to hire employees <em>whose</em> ethnicity is <em>XXXX</em> descent. In <em>XXXX</em> County, Maryland BOA hires <em>XXXX</em> and focus only <em>XXXX</em> clients which causes a language barrier because their employees only speak <em>XXXX</em> and little <em>XXXX</em>. I discovered that Bank of America <em>been</em> sued for discriminatory hiring practices <em>against</em> hiring persons in an <em>XXXX</em> descent ( See Appendix, BOA <em>lawsuits</em> and hiring practices )."]},"sort":[11.352843,"1684853"]},{"_index":"complaint-public-v1","_id":"3865834","_score":11.339,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX XXXX, XXXX  XXXX, XXXX New York XXXX XX/XX/XXXX COMPLAINT AGAINST WELLS FARGO BANK, NEW YORK FOR XXXX PROFILING, DELIBERATE HARASSMENT, FINANCIAL LOSSES AND DISCRIMINATION. ( ACCOUNT NUMBER:XXXX ). \n\nMy husband and my XXXX travelled to XXXX on XXXX XXXX, XXXX for a family emergency and my XXXX XXXX of XXXX developed an XXXX in his XXXX, he needed an urgent medical attention. There was a lockdown of the international airports in XXXX. \nThey couldnt have flown back to the US. In the month of XXXX, they needed money for a medical emergency which was XXXX XXXX and also for the roofing of our home against rain. \n\nOn Monday XX/XX/XXXX, I went to Wells Fargo to do a bank wire, since I was unable to do it online. I arrived at XXXX branch in XXXX. Waited on the drive through line for about 45min only to be told I need to have an appointment with representative inside bank. \nThe Bank Teller at the drive through window refused to make my appointment while I was already on the drive through line. She told me she could not assist me further and I needed to call the branch directly to make appointment. \n\nI drove out of the drive through to the banks parking lot, then had to sit in my car more time and held unto the phone while that same branch took my call. After about 15 or 20 minutes, my call was finally answered. I was given an appointment for XX/XX/XXXX XXXX. \nI received a call from the branch a day prior to XXXX confirming reason for my appointment. They then told me I needed to do my transaction online. \nI explain to them I had no option online to do a money transfer for XXXX. They then told me banks might me down in XXXX. \nI told them that was not the case, my husband confirmed with his bank in XXXX that all banks were working fine and international bank wires were working fine too. \nAfter our call ended. I was so upset how I was treated at branch drive through and now getting that call from branch, I decided to call Wells Fargo 800 number to complain about my experience. \nWhen I called the 800 number for Wells Fargo, I narrated my ordeal to the representative and I told them I no longer want my appointment at the XXXX branch, due to the fact that I felt very mistreated and unfairly received. The representative then canceled my appointment with XXXX branch, New York and gave me a new appointment on XX/XX/XXXX XXXX at XXXX branch, New York . \nWhen I arrived at the XXXX branch on XX/XX/XXXX, I was told I dont have appointment. I told them I made appointment through the 800 number. They still told me I have no appointment. \nI even ask them is that time slot for my appointment open? I was told yes!! Emphatically! They still refused to take me in the branch. \nAt that moment I was losing my XXXX  and also XXXX  from XXXX I couldnt believe this. I then went to my car crying so hard, in so much XXXX. I am not too strong health-wise. The thought of my little XXXX XXXX  me more because he was in so much pain. \nWhile I was crying in my car, I watched people enter bank for their appointments. And Im being told I cant t enter and I dont have appointment. \nI tried calling my friend to come drive me home because I lost the composure to drive myself. I couldnt reach her but I managed to calmed down a bit and drove home crying in pains. \nI got home, I called the 800 number again, only to be told how sorry they are for all the troubles and the soonest appointment they could book me for is Friday XX/XX/XXXX, XXXX. This is almost four days gone without a success for my bank transfer. \nIn the morning of Friday XX/XX/XXXX around XXXX, I was still at home getting ready to head to the bank for my appointment ; I received a call from Wells Fargo customer care representative telling me that she wont allow me into the bank for my transaction despite her confirmation of my appointment for that day at XXXX. \nI felt grossly and unfairly harassed and stigmatized with no reason even when I inquired why I am being denied my right to banking services. She harassed me on the phone. Her name sounds like XXXX XXXX from the XXXX Branch, New York. This conversation was recorded and it is attached herein in this flash drive ( would mail evidence upon request if not enclosed ). \nThis was the height of it. The conversation that went down with this last Wells Fargo bank representative was recorded by me because this became so obvious that I was deliberately and XXXX  stigmatized and stopped from conducting my legal banking transaction for reasons best known to them. I need to know that reason too why other customers were allowed into the bank except me. \nI was XXXX  profiled and harassed. I would like you to listen to that recorded clip. I also have records of all the bank appointments Wells Fargo made for me but turned me back each time I arrive at the bank. \nI went to XXXX XXXX XXXX and under 24hours from the day of my appointment with them, they wired my husbands money for him to XXXX. By the time he got it, a lot of losses have been incurred. \nOur house whose roof was destroyed by a strong wind was further destroyed by rain. Had Wells Fargo sent the money on my first appointment, our home would have been saved from a destruction that would cost us just {$45000.00}. Now the cost is over {$170000.00} to fix. \nMy XXXX lost his XXXX  to that XXXX  XXXX because there was no money to buy him the prescribed medication. He had to go on for a week and more without taking proper medication. This is the worst feeling of unfairness a mother can experience. Had it not been for the swift action by XXXX  XXXX XXXX, my XXXX may have been dead. \nI was XXXX and my health deteriorated due to all these sad experiences Wells Fargo subjected me to. This lead me to a search for a XXXX  to help me through it all. \nThis gross misconduct and harassment by Wells Fargo, stigmatization of my person, denying me of my banking rights and XXXX  profiling me with no reason whatsoever has cost me a lot and that is what informed this complaint through the court of arbitration. I am deeply sad! \nTo this end, I am asking the Wells Fargo bank for a monetary compensation of {$300000.00} for all these damages and irreparable losses they cost me. \nWhere I am not getting any fairness in this complaint, my husband would have no option than to initiate a lawsuit against Wells Fargo in a competent traditional law court with professional lawyers. We need justice! I need justice!! \nI am optimistic of your prompt response on this and fair hearing. \n\n\n\nYours sincerely, XXXX XXXX","date_sent_to_company":"2020-09-25T13:18:22.000Z","issue":"Other transaction problem","sub_product":"International money transfer","zip_code":"10710","tags":null,"has_narrative":true,"complaint_id":"3865834","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2020-09-25T12:51:28.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Had it not <em>been</em> for the swift action by <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em>, my <em>XXXX</em> may <em>have</em> <em>been</em> dead. \nI was <em>XXXX</em> and my health deteriorated due to all these sad experiences Wells Fargo subjected me to. This lead me to a search for a <em>XXXX</em>  to help me through it all."]},"sort":[11.339,"3865834"]},{"_index":"complaint-public-v1","_id":"9149523","_score":11.026585,"_source":{"product":"Checking or savings account","complaint_what_happened":"To whom it may concern, I have already reported the issue to the FDIC and the Federal Reserve System, and I am now completing my rounds of reporting against Bank of America. I recall sending the attached document to XXXX XXXX and possibly XXXX XXXX before realizing that my business account was being compromised. Although I reported the issue to the bank and spoke with their fraud department, they informed me that they did not detect any fraudulent activity on my account. \nOn XX/XX/year>, I sent a settlement demand letter via email to XXXX XXXX, a Business Solutions Advisor at the Bank of America branch located on XXXX XXXX in XXXX. His phone number is XXXX. I addressed the email to XXXX XXXX after my initial attempt to send it to the general Bank of America email address failed. In the email, I detailed the issues concerning my current business checking account, XXXX XXXX XXXX, and the previous fraud incident involving XXXX under Bank of America. Additionally, I provided the police complaint number XXXX and requested a settlement and response from Bank of America within two weeks. Please see below. \nUnfortunately, I was unable to visit the post office to check my mail on XX/XX/year>. On XX/XX/year>, at XXXX AM, I received an email from XXXX XXXX informing me that a new banking partner was ready to assist me and that he would be my dedicated XXXX  business specialist. This made me suspect that someone might have been monitoring my mail. When I checked my mailbox on Wednesday, I found no response from Bank of America. Subsequently, I received another email from XXXX XXXX on XX/XX/year>, encouraging me to apply for a XXXX XXXX loan. On XX/XX/year>, I received an email from Bank of America about scammers, followed by another email on XX/XX/year>, requesting feedback. \nXXXX XXXX XXXX is an emerging political organization engaged in various governmental practices that I am learning from the Department of Justice and other entities. Despite the challenges, I am determined not to shut down XXXX XXXX XXXX, and it will continue as a private operation. I am unclear about the full extent of the financial fraud and crimes committed against me, but the banking breach and violations involving my accounts at Bank of America and XXXX require a thorough investigation. Information about the initial scam is available in the police report. Additionally, I included contact details for XXXX XXXX, who may still be working at the Bank of America branch on XXXX XXXX in XXXX, and for XXXX XXXX of XXXX, whose number is XXXX. Notably, a Supreme Court judge dismissed the case without explanation, seemingly influenced by someone possibly from Bank of America, reflecting a bias against me as a person of limited means. The Bank of America Financial Center in question is located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. \nXX/XX/year> Dear Bank of America, I am XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, writing to you from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. I am reaching out to present a settlement demand of XXXX XXXX dollars to Bank of America and XXXX. This action follows the advice of the XXXX in response to a harassment complaint I filed, under the complaint number XXXX, against both your institution and XXXX XXXX I earnestly seek to resolve this matter out of court. However, should we fail to reach an agreement, I am prepared to initiate a lawsuit and pursue further complaints through the appropriate channels, allowing the XXXX to conduct a comprehensive investigation into the financial crimes targeting me, facilitated by your collaboration with XXXX. \nThe genesis of my grievance lies in the fraudulent activities associated with my previous and current business accounts, activities to which I have never granted XXXX access. This unauthorized access has prevented me from conducting financial transactions and severely hindered my attempts to foster a business relationship with Bank of America. Each attempt to engage with your bank has resulted in negative outcomes, significantly impeding the growth of my business, XXXX XXXX XXXX, and exposing me to substantial financial vulnerabilities. The unwarranted dismissal of my previous account 's value and the subsequent inconveniences have not only affected my financial accrual for XXXX XXXX XXXX and XXXX but have also compelled me to shut down companies to mitigate damages and deter further criminal activity. \nI am inclined toward an amicable out-of-court resolution and propose engaging a mediator of my choosing or a representative from the XXXX to facilitate this process. Please contact me at XXXX to discuss this matter further. Should you agree to the settlement, I request a check made payable to my name, sent to the above address. Absent a response by XX/XX/year>, I will have no choice but to proceed with legal action against Bank of America and XXXX, seeking full redress and compensation as permitted by law, including additional damages, legal fees, court costs, and accrued interest. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX","date_sent_to_company":"2024-06-05T15:21:59.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"10009","tags":null,"has_narrative":true,"complaint_id":"9149523","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-05-31T06:13:20.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Absent a response by XX/XX/year>, I will <em>have</em> no choice but to proceed with legal action <em>against</em> Bank of America and <em>XXXX</em>, seeking full redress and compensation as permitted by law, including additional damages, legal fees, court costs, and accrued interest. \nSincerely, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em>"]},"sort":[11.026585,"9149523"]},{"_index":"complaint-public-v1","_id":"14261104","_score":10.794345,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX Original Account Number is unknown XXXX is XX/XX/XXXX, and the last XXXX SSN is XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Security Credit Service LLC XXXX XXXX XXXX XXXX, XXXX XXXX Email : XXXX XXXX XXXX Dear CFPB and FTC, I am writing to file a formal complaint against Security Credit Services LLC . In XXXX, I contacted the original creditor regarding a debt and was informed it had been transferred to Security Credit Services LLC. I then contacted Security Credit Services LLC to explain that my identity had been stolen and the debt was not mine. I made a verbal debt validation request and followed up in writing via email. \n\nA representative, XXXX XXXX XXXX, requested a fraud affidavit. I repeatedly requested this document via email, as my mail was being forwarded to Louisiana due to my address being compromised. During XXXX conversation, XXXX XXXX became annoyed and abruptly ended the call when I explained I have a XXXX XXXX XXXX. I later spoke with a supervisor, XXXX XXXX XXXX, who was similarly unhelpful. \n\nI eventually received the fraud packet, which required notarization. I explained that I needed additional time because notaries will not notarize fraud affidavits or certain other documents while I am hospitalized. I eventually managed to get the document notarized and returned it by email on XX/XX/XXXX. \n\nOn the same day, I received an encrypted message from both XXXX XXXX XXXX and XXXX XXXX XXXX. I initially had difficulty opening the message but eventually accessed it with better internet reception in a different part of the hospital. The message acknowledged my validation request dates and stated that the thirty-day validation period had expired on the day of their correspondence. Despite this, Security Credit Services LLC continues to report this debt on my credit reports. It is my understanding that a validation can be made verbally or in writing and does not require notarization. Furthermore, a letter I received from the original creditor stating I am responsible for the debt does not suffice as proper validation. \n\nI am requesting your intervention to not only facilitate the removal of this debt from my credit report but also to secure compensation for every violation, including but not limited to the failure to validate the debt pursuant to FDCPA 809 ( validation ), 813 ( Civil liability ) 814 ( Administrative Enforcement ), and any other section deemed ( C ).\n\nI can provide evidence that I was hospitalized for XXXX years due to a broken back, sternum, ribs, and a XXXX XXXX XXXX, followed by a motor vehicle accident involving a semi rear-ending me. While the credit bureaus declined to review my medical information, it is available if needed. I also have bank statements showing a seven-figure balance. I refuse to pay a debt that does not belong to me. I am currently unable to walk and have been readmitted to the hospital, preventing me from mailing this information to the credit bureaus to show the date the validation was requested. \n\nI request a correction of this information on my XXXX XXXX XXXX XXXX consumer reports and financial compensation. The bureus only accept documents by mail which I do not have access to. I have attached proof of the validation request, and I have the recording 's ( I did not need permission because Georgia is a one part state ) and every email. \nDebt Validation Requirement : The Fair Debt Collection Practices Act ( FDCPA ) and the CFPB 's Debt Collection Rule require debt collectors to provide consumers with specific information about the debt, known as \" validation information ''.\n\nTimeline for Providing Validation Information : Generally, this information should be provided in a written notice either as the initial communication or within five days of the debt collector 's first contact with the consumer. \nConsequences of Failure to Validate : Ceasing Collection Activities : If a debt collector fails to validate a debt when requested to do so within the specified time frame, they must cease collection activities. \nCFPB Enforcement Actions : The CFPB brings enforcement actions against companies that violate debt validation requirements, including failure to provide timely notices and mishandling disputes. \nConsumer Remedies : Consumers who are not provided timely debt validation or whose disputes are mishandled may be entitled to financial relief and potential lawsuits against the debt collector.\n\n15 U.S.C. 1692g The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer In conclusion, I can not report something I am not aware of. As soon as I learned that my personal information was found on individuals in Louisiana and an arrest was made, I immediately contacted the police and filed a report. I also contacted the postal service and discovered that my mail was not being held because my address had been changed online. Additionally, my bank placed my account on hold after they were unable to verify my identity when they attempted to contact me by telephone, even though the call was from my actual cell phone number.\n\nThe law does not allow debt collectors to make assumptions ; they are required to provide proof of everything in the validation, which is attached. A simple letter stating the name of the original creditor and the balance is insufficient. I am not obligated to comply with your demands or be coerced into paying a debt that does not belong to me. Please also include all three credit agencies. The letter I received from XXXX was received after XX/XX/XXXX, even though I was speaking with them well after the date. The representative informed me she was sending out a letter stating I owe it, and it was going to remain on my credit report for 7 years. The credit agencies asked for a copy of the letter dated XX/XX/XXXX from XXXX. They want to verify that I did, in fact, send the validation request to the collection agency. I sent it to both the original creditor and Security Services with no response to the validation. \nThank you for this prompt attention to this matter! \n\nSincerely, XXXX XXXX XXXX ( XXXX ) XXXX | XXXX XXXX","date_sent_to_company":"2025-08-05T18:12:33.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"14261104","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2025-06-24T23:50:21.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Consumer Remedies : Consumers who are not provided timely debt validation or <em>whose</em> disputes are mishandled may be entitled to financial relief and potential <em>lawsuits</em> <em>against</em> the debt collector.\n\n15 U.S.C. 1692g The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer In conclusion, I can not report something I am not aware of."]},"sort":[10.794345,"14261104"]},{"_index":"complaint-public-v1","_id":"6804326","_score":8.893102,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"PNC is a XXXX and Fraudulent Establishment that carries out Deceptive Practices internally with their participating dealerships. \n\nI am a XXXX XXXX  who was kicked out of one of their branches in an attempt to make a payment on an Auto Loan. To this day the establishment has failed to address the incident. \n\nUpon Further Review Fraud at the Beginning of My Loan was discovered. My Credit application is in someone elses handwriting with signatures that dont belong to me. I have requested documents repeatedly and they recently responded to FL Dept of Agriculture to Say a Subpoena was needed in order to get access to the evidence. \n\nMy Response and Continued Complaint are as Followed: \nI have reviewed the correspondence sent by PNC Bank and The Correspondence and have arrived at the following: \n\nPNC Bank: \nIt has become clear to me that PNC refuses to Directly Correspond with me directly or DIRECTLY  answer any of the concerns set forth in the complaint originally issued in XXXX XXXX PNC Continues to go around the issues and insists on withholding the documents and items requested. \nAt this point the Institution is hiding and withholding all evidence that prove guilt in the matters of Discrimination and Fraudulent Practices which transpired between themselves and the Dealership as it pertains to my Loan. \nI believe at this point PNC Bank is holding enough evidence to prove the following: \n1.\tThe Handwriting on the Application for credit does not match the actual credit application I filled out or any of the documents that I have sent in that contain my handwriting (Money orders, letters etc.). I dont have to argue at all if that alone is taken to court or reviewed by a Financial Companies and Bank Regulating Authority. My Signature doesnt even match. \n2.\tThe Continues to Fail at Holding the Dealership Accountable which shows me that this was a Joint effort to insert the Fraudulent Occurrences which have occurred and now blatantly evident. \n3.\tMy Concerns from the VERY BEGINNING of my loan were never taken seriously. There has been no internal department to review such matters. Neither for Fraud nor Discrimination. I Furthermore dont even believe that PNC bank is in Possession of any of the items I requested being that most their employees were working from home with the turn of the pandemic. It has been said that a Subpoena is what they need in order to provide the items, then a Subpoena is what they shall receive. The Aforementioned Subpoena will come in addition to all necessary actions to address Discrimination, Fraud and Failure to Directly Correspond and Only Corresponding via complaint responses. \n4.\tThere have also been recent discrepancies that show me PNC Bank and XXXX XXXX  Completed their own application and Fact of My Life and Status were never taken or considered from my actual and original consumer loan application. \nIt doesnt take a Rocket Scientist to see that whats happening here is the silencing of Discrimination. If I were a bank and had a customer constantly calling to talk about an incident which made her feel uncomfortable and repeatedly told customer service representatives that she didnt want to be a customer of a XXXX organization. Id find a REAL way to reach out to her DIRECTLY and not send here XXXX  Reps in Escalation who only continued to escalate the issue because there was no actual department that resolved Discrimination and XXXX Occurrences. I would even go as far as going to see her to make sure that her issue was resolved. I have been extremely kind about this situation in hopes that PNC Bank would take the initiative to remedy this issue without a Discrimination or Fraud Lawsuit. \nWhat you guys have done is refuse to hold yourself accountable for your own constructively deceptive, fraudulent and selfish reasons. The Problem with big establishments is they use manipulative tactics in hopes that the client simply Lets it go.\nI wont be letting this go. You are a XXXX establishment. \nThe Ability for me to CONSTANTLY request the incident be reviewed, and lied to about it being escalated to a relevant department and NOTHING ever got done. Not even a letter of acknowledgement. In emails the reps who reached out in emails NEVER responded to me when I gave them times to contact me. \nThis is an Establishment built on covering their asses. The Falsified letters you sent to CFPB that NEVER were sent to me prove that. The only correspondence I ever got from you are bills in the wrong name and even that was never corrected. Its crazy to claim I signed my correct name and viewed documents that had my actual name on there and you somehow end up with documents I allegedly signed with the wrong name. Come on now, thats a blatantly obvious sign something changed. \nId never sign something with the wrong name or information I didnt agree to. Especially with someone elses handwriting. The responses covering the acts of fraud to negate the obvious actions only you could take in an attempt to pass the defective information is astounding. Miraculously my title paperwork says my correct name. Seems to me like somethings I actually completed made it to the appropriate place. My Registration didnt have the wrong name. That alone shows the paperwork submitted to the bank was swapped. This is far from rocket science. Even if my name was spelled incorrectly in Error, a handwritten application in another persons handwriting and signature isnt an error. \nYou wouldnt have a car at my door if I didnt complete an actual credit application that wasnt qualified. Count the time it took to sell me the car. Less than 3 hours. So I know that my application was highly approved but there were add ons. Whats on the quote doesnt match what went on the contract. \n\nDont waste my time with lies. The Problem is this bank and Dealership think XXXX folks are XXXX and have all the sense. I know exactly what made you guys THINK you could do this foolishness. XXXX XXXX XXXX XXXX  NOT AN XXXX \nThe Dealership clearly XXXX  my application up (Which is Blatant Fraud) and even named me XXXX vs. XXXX There are so many cause for concerns with the Sale, Transaction and Loan at this point that maybe a Lawsuit to Subpoena the records may be the best route to remedy the ISSUES between us. Who in their right mind wants to be a customer of an establishment that kicked her out because she was too XXXX to be one of your XXXX XXXX XXXX XXXX customers? Cant even get a Proper discrimination complaint submitted.  I lived 5 Minutes away from the Branch. Maybe PNC Bank or XXXX XXXX and All affiliated Companies shouldnt be operating businesses in the state of FLORIDA as Florida has laws and statutes which do not support racism or discrimination in any way shape or form. The Comptroller of Currency, Federal Reserve, Human Rights, EEOC and Many other Regulating Authorities make this clear. \nYou have the AUDACITY to write to me to even utilize the Verbiage Attempt to collect a Debt. I hope my correspondences from the day this incident occurred (Which Im sure you have tracked down and deleted from your records) has made it clear I have the right to pursue damages, emotional distress along with the pain and suffering Which resulted from the incident. I made that clear with my attempts to get out of the loan without penalty (This was me being fair). Even when the opportunity was on the table to agree Id made the catch up payment and simply provide the dealership with the exact payoff amount given the ability I had at the time to Trade the vehicle in. XXXX XXXX made sure I remained entrapped in the loan and continued to repeat I was in default and in repo status causing me to have an occurrence of sensory overload since I already suffer from. I have requested the records, recordings and surveillance to advocate for myself and PNC bank has gone against that by repeatedly Claiming Those records cannot be produced without Subpoena meaning that the Establishment is Challenging the Consumer to Pursue a Lawsuit vs. Remedy the issue independently. \nI sent my initial complaint in XXXX We are now in XXXX NONE OF WHAT I REQUESTED HAS BEEN PROVIDED. \nYet what YOU HAVE DONE, is CONFIRMED my initial speculations that there was something done on the back end with this loan which caused the price to increase and my name to change. I also SUSPECT That you illegally misused government awarded money issued during the pandemic based on the paperwork which you have sent to me. I have NEVER received the vast majority of those letters and there wasnt any assistance given to me by FEMA. Its Strange to see how you have your letters NAMED. Because youd think that your establishment provided REPEATED assistance to me. I had 3 ongoing hardships. 1 Losing my Business Consulting Contracts During the Pandemic. A Health-Related Hardship and A Natural Disaster Displacement. The last resulted in a Family Member Passing away due to the flooding. Where I was required to pitch in and aid with Funeral Accommodations. Despite losing my Home and a Family Member I was never approved nor denied. You guys NEVER Sent me Direct Correspondence and I have the USPS service Informed Delivery Which can be utilized to back that statement up. I never even got a welcome packet and full terms or disclosures with my loan. The Most tactless Financial Transaction I have partaken in throughout my entire adulthood. NOTHING is ever documented or in writing. One of my biggest issues with this institution. \nThe Representative Responding to this Complaint reached out to me Via email and I emailed her back. NEVER did she respond to me. This Company knows EXACTLY what they are doing. The whole company is a FRAUD. What are they really doing? Their Issues are not ERRORS its internal FRAUD as they benefit from IT ALL.\nYou (PNC) threw me out your branch discriminating against me after committing fraud with the XXXX XXXX Auto Dealership Inflating my loan with products I did not consent to along with misrepresentation of my vehicles warranty in order to push the deceptive practice of adding a non-factory warranty. I still have the window sticker which says I could inquire about an outside warranty WHICH I DIDNT DMV records will show you I was already an XXXX  Owner and Familiar with the Warranty being 5 years on all XXXX  (Which the Dealer Failed to Disclose and The Bank Failed to Review, That within itself is a misrepresentation) so I wouldnt need a 3rd party non factory warranty that wouldnt out live the manufacturers warranty. This is something you agreed to check for on all Auto Sales Transactions in order to service auto loans in Florida and Failed to Investigate even after I told you something had changed on my loan when I made the first payment. This Bank is Clearly FULLY AWARE of all that they have done. \nWhat was the reason to NOT respond to that but jump around to respond to every regulating authority to Appear as though you have a standing position or a good position of prior correspondence with me. Your Establishment is a XXXX  Organization whose ethics are flooded and stained with Fraudulent and Unethical Practices and Business Affiliates. \n\n\nI Stand on Everything I Said, and I am STILL REQUESTING ALL ITEMS Previously requested. Since the ONLY WAY to Acquire Said Documents is through a Subpoena, Supply where I should have it served along with any and all correspondence for your legal departments. I am going to deem this scenario as the Following: \n1.\tBreach of Contract \n2.\tFraudulent Credit Application(s) \n3.\tDiscrimination in a Public Place of Service \n4.\tFalse Documentation of Pandemic and Natural Disaster \n5.\tRefusing to Correspond Directly \n6.\tRefusing to Furnish Requested Documents and Items \n7.\tMaliciously Manipulating and Altering Credit History based on Failure to Keep Legitimate Records \nI will summons each in the appropriate regulating authorities, commissions, local governing counties PNC and XXXX XXXX Do Business, Any Relevant Media Outlets and All Relevant Court(s). \nYou clearly dont seem to understand when a person doesnt want to be a part of a XXXX  consumer and financial company relationship. \nI am not and wont be willing to mediate anything with your establishment outside of the courts with the outcome of a Jury Trial from this point forward. You guys understood what was being asked of you and I will not allow you to go around the issues any more. \nDue to Failure to Provide Accurate Resolutions, I am requesting Cease and Desist on all Telephonic and Electric Correspondence and am requesting all correspondence in Writing to submit for Review for Future Court Proceedings as it has been shown all correspondence electronic and telephonic are potentially being hidden or destroyed to protect PNC Bank. Im 1000% sure there were numerous employees that escalated the issue but we can all do things Your Way. The Last thing Im going to do is argue with a Financial Institution that has a completely different credit application not in my handwriting with documents I didnt even sign. \n\nThe Evidence speaks for itself. You can either START telling the truth NOW or it can be brought forth in court with Subpoena and analyzation of actions and documents providing evidence. \n\nA Subpoena is needed to prove you discriminated against me? By Default you should review that and do your due diligence as well as make sure I am apologized to a remedied. NOT IGNORE ME and SABOTAGE MY Credit. You're out to paint me to look bad when the government, states and local laws go against discrimination and XXXX  acts against consumers. You're simply covering your A_____ and trying to smear my name and account history to do what \"Silence me\"? YOURE A XXXX ORGANIZATION who sabotages and manipulates people of XXXX  and dont deserve to be in business ANYWHERE.","date_sent_to_company":"2023-04-06T18:02:03.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"338XX","tags":null,"has_narrative":true,"complaint_id":"6804326","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2023-04-06T17:50:16.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> made sure I remained entrapped in the loan and continued to repeat I was in default and in repo status causing me to <em>have</em> an occurrence of sensory overload since I already suffer from. I <em>have</em> requested the records, recordings and surveillance to advocate for myself and PNC bank has gone <em>against</em> that by repeatedly Claiming Those records cannot be produced without Subpoena meaning that the Establishment is Challenging the Consumer to Pursue a <em>Lawsuit</em> vs. Remedy the issue independently."]},"sort":[8.893102,"6804326"]},{"_index":"complaint-public-v1","_id":"12702502","_score":8.202143,"_source":{"product":"Mortgage","complaint_what_happened":"FORMAL COMPLAINT AGAINST SHELLPOINT MORTGAGE SERVICING To whom it may concern, I am the realtor representing the Cusumanos on a short sale of their home. I write this letter as a complaint against Shellpoint Mortgage Servicing for abusive and unethical practice in a short sale application. I have filed a complaint also with the XXXX and the XXXX Department XXXX XXXX XXXX. \n\nThis is a very detailed and extensive abuse by Shellpoint and its employee XXXX XXXX. \n\n\nBUYER ( XXXX ) XX/XX/XXXX to XX/XX/XXXX We began this short sale review process back in XX/XX/XXXX with a different buyer than the one we are referring to today. During this time of negotiations the Shellpoint Representative on this file XXXX XXXX would deliberately stall the response time and hold on to documents such as the HUD to stall the file instead of submitting to the investor for review. I have numerous emails and taped phone conversations where his own colleagues were baffled as to his actions on the file. \n\nXXXX instance is where he asked for a counter offer and we gave him the exact figure that he said the investor countered us on. After submitting the HUD and contract addendum to XXXX XXXX for approval he stalled the file and would tell me that the investor is not responding for weeks. Each time the HUD and contract addendum would expire and we would start all over again with the same scenario. I was baffled at this representative 's actions as they were not the norm in my many interactions with Shellpoint on other deals. \n\nAfter a few back and forth negotiations on this file we all agreed on a certain net to the investor and we submitted all documents to mee this net. These documents were submitted on XX/XX/XXXX for investor approval. On XX/XX/XXXX XXXX XXXX of Shellpoint told me that he has an answer on the short sale request and will let me know in XXXX days. We are now waiting over 7 days and XXXX still tells me that he will tell me the answer soon. He was making this out to be as if we had to get the XXXX XXXX ready for this big response from the investor. He knew that the investor had approved the file but he deliberately did not want to tell so because he wanted to stall the file to allow it to expire. In the meantime I spoke to another representative at Shellpoint on this file and they were baffled as to why XXXX XXXX was keeping me in suspense and waiting. They told me the file is short sale approved and they have no clue why XXXX is not issuing the short sale approval letter. On XXXX XXXX I had a very stern call with XXXX where I questioned him as to why he was delaying with this file and why his colleagues were giving me current updates conflicting with what he was saying. It was at this point that he mentioned to me that we had done a deal 4 years ago and he knows my name. He was polite but was more or less letting me know to go look up his name and the file to see what occurred in that file. \n\nI then went to my email history and found XXXX 's name from 4 years ago and saw that I had to file a CFPB complaint # XXXX on him for violating dual track foreclosure laws by scheduling an auction while at the same time negotiating a final HUd to XXXX on an elderly female home in Port XXXX XXXX I remember this file distinctly as it was the last home I closed prior to covid shut down. \n\nThe CFPb investigated the complaint and advised that the file was no longer with Shellpoint and that the servicer had changed. Shellpoint whose main function is purchasing loans and acquiring servicing rights rarely do they sell off loans they acquire loans.. I The response from the CFPB was that the loan number was no longer affiliated with Shellpoint and a new servicer took over. I did not bother to pursue this any further as it was in the midst of XXXX and the new servier did allow us to close. Shellpoint is NOT known as a servicer who sells off or transfers loans ; they are buyers of loans. So this sell off was done to avoid CFPB further investigation. \n\nNow back to Buyer number 1 on this complaint. \n\nEventually Shellpoint issued the XXXX XXXX short sale approval letter on XX/XX/XXXX with a $ XXXX relocation incentive to the sellers. \n\nThe file also had a XXXX XXXX with Shellpoint and in negotiating that file the XXXX XXXX representative advised that they would want the $ XXXX relocation that the XXXX XXXX issued removed and credited to the XXXX XXXX investor. I went back to XXXX XXXX and told him that we have conflicting approval on both loans by the same servier Shellpoint. He advised that he could not issue a new letter and that was final. This became an internal issue with Shellpoint as we had approvals on both loans but the letters were conflicting. Shellpoint could not come to any type of internal agreement on resolving the XXXX short sale conflicting letters. Eventually we were told to remove the $ XXXX relocation to the sellers and credit it to the XXXX XXXX amount. While doing this we had to wait for approval again and this again took weeks to get a simple issue resolved. The XXXX XXXX was still netting their required amount. Eventually all the HUD and contract addendums expired. The previous buyer in this deal went so far as to agree to pick up carrying cost on the loan if they could just issue XXXX new letters asap. In this time the sellers moved out of the home as they thought were closing on XX/XX/XXXX and were not aware of the nonsense that we were having with Shellpoint. The home eventually had frozen pipes and water damage even though the heat was on and the water pipe was running. \n\nOur HUD figures for the XX/XX/XXXX closing had expired and we still had no new approval letters from either shellpoint loans. They were still trying to resolve internal issues with conflicting letters on a closing from the same servicer. We were then told by XXXX XXXX to submit a new HUD and remove the $ XXXX relocation to the seller and put it towards the XXXX XXXX pay off. Although the HUD figures and net to investor expired on XX/XX/XXXX the buyer was willing to pick up the tax and water adjustments so that the investors net remain the same and to make the deal work with a XX/XX/XXXX closing. \nON XX/XX/XXXX XXXX ISSUED A NEW SHOTGUN TYPE APPROVAL LETTER FOR THE FIRST BUYER ON XX/XX/XXXX WITH A DEADLINE TO CLOSE ON XX/XX/XXXX. XXXX. 2 DAYS TO CLOSE???? \nKeep in mind that the short sales require that we submit a closing HUD XXXX hours prior to closing to get stamped. With my calculations on the above short sale letter mentioned XX/XX/XXXX to XX/XX/XXXX is only XXXX hours so how can we submit the HUD XXXX hours prior to closing??????? \n\nSo this deal above died and XXXX advised me in an email to reduce the home to {$330.00} XXXX to get a quick sale with the damage to the home. \n\nBUYER ( XXXX ) CURRENT BUYER XX/XX/XXXX to Current XXXX XXXX We did get a buyer that was willing to take the home in as is condition and XXXX was made aware of this. \n\nShellpoint also scheduled a foreclosure auction in between these XXXX negotiations for XX/XX/XXXX all the while they are negotiating with us on a short sale. XXXX kept telling me that the auction was on hold but that is not the case. That was just an internal note he personally made on the file. The referee and the foreclosure attorney LOGS are not aware that we are in active mediation negotiation and the auction should be postponed or cancelled while in good faith negotiations to work out a settlement be it modification or short sale. Shellpoint has not disclosed this to their foreclosure attorney LOGS. XXXX XXXX 's own colleagues at Shellpoint told me that the foreclosure auction was still on. There should have been some type of motion filed with the court as is the norm to advise the court that we are in active mediation on the file and the auction is postponed. This was not done to this day because Shellpoint has not advised their foreclosure attorney LOGS that we are in a short sale negotiations. \n\nThe CFPB rules amended Regulation X which implemented the Real Estate Settlement Procedures Act ( \" RESPA '' ). The CFPB rules prevent \" dual tracking '' where a servicer is simultaneously evaluating a consumer for loan modifications or other alternatives at the same time that it prepares to foreclose on the subject property. \n\nWe now started this new deal/offer on XX/XX/XXXX This new buyer even went up an extra $ XXXX to $ XXXX to make the deal work. All documents were again submitted to XXXX XXXX and he came back to tell us that the investor wanted the old net amount from the previous deal. I explained to him that it was not possible, being that the home now has extensive water and freeze damage in excess of $ XXXX. He told me he would go and let the investor know about the freeze damage and get back to me. Eventually he came back to me and said that the investor still wanted the net to be the same as the old XXXX. We eventually took out around $ XXXX from the $ XXXX that the XXXX XXXX was getting to make the deal work and submitted the HUD to XXXX XXXX for review. My assumption is that XXXX and Shellpoint never disclosed to their investor that the home had freeze damage and that it was the fault of SHELLPOINT and the XXXX  employee XXXX XXXX who was using this file to retaliate against me for reporting him to the CFPB 4 years ago. XXXX XXXX and Shellpoint also refused to pay the open school tax of around $ XXXX which is not normal in any short sale. XXXX XXXX was doing everything in his power to kill the deal as retaliation against me. \n\nI submitted all documents to XXXX XXXX on XX/XX/XXXX with all supporting documents for review. So now we began a new review process with XXXX on the first XXXX. XXXX told me that he would submit ASAP for a quick review. On XX/XX/XXXX I checked in on the file with a phone call and was told by the Shellpoint representative that the file was not submitted to the investor until XX/XX/XXXX. Over XXXX weeks had passed where Shellpoint had the complete package but XXXX deliberately stalled in submitting the file so as to not meet the closing deadline this time of XXXX XXXX. As you can see this is the pattern with this Shellpoint rogue employee who thinks that retaliating against me is more important than servicing his investor and the homeowner. \n\nSo as of today we have an approval letter that I had to call and ask XXXX XXXX on XXXX XXXX and the letter shows a generated date of XXXX XXXX but was not sent over to me until I emailed XXXX XXXX XX/XX/XXXX to ask for the letter. I can only XXXX how much longer he would have sat on this letter If I did not reach out to him to get the letter. \nAgain it will be impossible to close within 2 days as we need to submit a final HUD to Shellpoint XXXX hours prior to closing for a stamped approval for title. Also getting water readings and all parties together in such a short time is near impossible as New York is an Attorney state where all parties need an attorney to represent them to close. \n\nI have made numerous requests to have XXXX XXXX removed from the file with a few supervisors but yet he remains on this file and today again is trying to sabotage the deal by issuing an approval letter 2 days before we are to close. Same thing he did on XX/XX/XXXX issuing a letter on that date with an expiration to close on XXXX XXXX The goal of shellpoint is to issue unrealistic short sale letters so that they can continue with the scheduled auction on XX/XX/XXXX. We keep negotiating in good faith yet Shellpoint keeps issuing late approval letters deliberately to sabotage the deal. \n\nThis company has rebranded itself from many other names such as XXXX XXXX in XXXX to try to cover up and hide the multitude of violations against them from consumers. Employing individuals such as XXXX XXXX after my last complaint and selling off the loan to avoid answering to the CFPB is XXXX of the reasons they are still in lawsuits to this day. I can only XXXX how many homeowners they have duped and lied to and foreclosure on their home with these abusive deceptive practices. \n\nYour Honor unfortunately due to the dismantling of the CFPB consumers have no other recourse to report abusive behaviors by these financial institutions other than to bring them to your attention and the XXXX XXXX XXXX, in hopes of curbing these bad behaviors. \n\nA solution to this matter is to have XXXX XXXX removed from the file and have the file reviewed in a timely manner with an approval to close prior to the auction date of XXXX XXXX by both XXXX holders in Shellpoint. This is a cash deal and all we need is maybe 5 days notice to close, not 2 days as they are doing now. \n\nHopefully the XXXX group can reach out to me and to their client and give them proper advice moving forward. \nCc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-03-28T16:37:48.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"10801","tags":"Servicemember","has_narrative":true,"complaint_id":"12702502","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-03-28T16:25:00.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["This company has rebranded itself from many other names such as <em>XXXX</em> <em>XXXX</em> in <em>XXXX</em> to try to cover up and hide the multitude of violations <em>against</em> them from consumers. Employing individuals such as <em>XXXX</em> <em>XXXX</em> after my last complaint and selling off the loan to avoid answering to the CFPB is <em>XXXX</em> of the reasons they are still in <em>lawsuits</em> to this day. I can only <em>XXXX</em> how many homeowners they <em>have</em> duped and lied to and foreclosure on their home with these abusive deceptive practices."]},"sort":[8.202143,"12702502"]},{"_index":"complaint-public-v1","_id":"8237601","_score":8.076593,"_source":{"product":"Debt collection","complaint_what_happened":"In XX/XX/XXXX during my XXXX treatment the prior debt collector called and I paid the entire amount off I proved this an email and a phone call where during the phone call the rep said they did not get the documents. I provided a court order that stated portfolio recovery had to be in compliance and stay in compliance case remains open. They are not relieving me of the three years of unpaid late debt. If I was to pass away this makes it go to my estate that incorrect and against civil elder laws and tax law also fradualnt and they could be liabilities. This is the way they are headed so my family they live out of the home are going to be charging each credit bureau as my bank offers insurance and protection. For {$120.00} an hour for anything that theyve done thats contributed to this and up to this for missing work and time and hours as they have been putting in a lot of work to try to correct and resolve an issue that they refused to even look at. My family now has gone up to many months correcting and trying to correct this issue so I could get rentals on credit due to healthcare reasons I can not because my credit score is solo from portfolio recovery putting three years negative marks on my history. This is is also against civil code. I have expressed it many times that they have caused undo stress and burden anxiety and Ive been hospitalized several times because of this problem where I can not even bring these issues home anymore : I should not have to be away from my own home because of the lack of thier own ability to report this could cause me death. Portfolio recovery was sent a demand letter for ten days and refused to answer they again lied. I want them held accountable for anything that happens to me as a result of my lowering quality of life. XXXX XXXX XXXX XXXX on a limited income. This is abusive, unethical and inhumane. The collectors are rude and disrespectful to me they are not following Elder laws. They wanted to have me file hardship papers for their gain they asked me to commit fraud. This clause this is the last attempt to resolve this on my own as we have the insurance for {$120.00} an hour reverse lawyer fees for the last XXXX years of us trying to get them to remove the debt. Its taking time away from my daughter, and myself, to tell them, and prove to them that XXXX was paid I provided all. My forms. ID bills statement etc. that the company had already been paid and that they bought debt from capitalone in XX/XX/XXXX after it had been paid in XX/XX/XXXX its unfair that the company folded and I had settled my debt. As a senior who got behind just because I was in XXXX and very sick after all of this requested. They continue to lie. They found themselves in favor without ever checking the email and provided that to XXXX never even checked. I asked for supervisors they had none there. I dont think theres any that exist. fill out form Im not in hardship I paid my debt Im not filling out forms just so they could skate bye on something that they did. I went. All of the marks pulled away from the three years of bad credit. They already closed the case they bought and XXXX in fear that theyre going to sell it to someone else it just keeps going on. \n\nText letter of first The debt was paid in full on XX/XX/XXXX and convergent went under and had a breech also thousands of lawsuits during Covid which was when my mothers dept was paid and also during XXXX treatments. XXXX  XXXX then sold the collections to porfio recovery in XX/XX/XXXX and has left negative marks and poor payment history on her credit report and history we would like those removed as soon as possible and have also notified the three credit bureaus. XX/XX/XXXX Text of letter # 2 today 's call Today XX/XX/XXXX the customer service agent had no supervisor for me to speak to. Her reply was that they were \" busy \" when I asked her if she was working from home or unable to transfer me she said no \" they busy again '' she remained nice but I kept declining the reopening of a case they took upon themselves to shut. I asked if they could call me she replied \" no that I had to open another case and resend the forms. '' They don't have them. Again - I declined to open another case that they themselves close in thier favor I advised her ( the representatives ) that this was purchased by them not me and this is the discovery departments job to discover '' I had to repot into the credit bureaus and XXXX  XXXX as well as the old and new company information and phone numbers and addresses to poetfiolo I had did her job as far as discovery that they needed to file the hardship form. We will not do the work for a debt they bought that was paid we will not accept the negative marks poor history and want them removed It is not the consumers fault the last company did don't report this to XXXX XXXX and it's not the consumers fault that they sold her information to portfiol or thst portfolio bought into a bad batch. She still had a debt showing up in her collections with a score now showing at XXXX and this is to be resolved at thier doing, showing \" closed '' as well as a bad payment history for three years after showing that this has been paid off they sent a letter expecting my XXXX to do hardship papers which she has no hardship they bought a batch of report clearly that was already paid off from a company that went under and changed its name which was provided AGAIN in the documents above. \nXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The Consumer FinancialProtection Bureau ( Bureau ) commenced thiscivilaction on XXXX XXXX toobtaininjunctiveand monetaryreliefand civilpenaltiesfrom PortfolioRecoveryAssociates, LLC ( Defendant, asdefinedbelow ). The Complaint allegesthat, inconnectionwithitsdebtcollectionandfurnishingactivities, Defendant violatedsections 1031 ( a ) and 1036 ( a ) ( 1 ) ofthe Consumer FinancialProtectionActof 2010 ( CFPA ), 12 U.S.C. 5531 ( a ) ,5536 ( a ) ( 1 ) ; sections623 ( a ) ( 8 ) ( E ) - ( F ) and 623 ( b ) ( 1 ) oftheFairCreditReportingAct ( FCRA ), 15U.S.C.i68is-2 ( a ) ( 8 ) ( E ) - ( F ), ( b ) ; sections 1022.42and 1022.43ofRegulationV,12C.F.R.1022.42-1022.43 ; andsections807 and 814 ofthe Fair Debt CollectionPracticesAct ( FDCPA ), 15 U.S.C. 16920, 1692/.\n\nThe Bureauand Defendantagreetoentryofthis StipulatedFinalJudgmentand Order ( Order ), withoutadjudicationofanyissueoffactorlaw, tosettleand resolveall mattersindisputearisingfrom theconductallegedintheComplaint. \nFINDINGS 1. This Courthasjurisdictionoverthe partiesand action.\n\nSTIPULATEDFINALJUDGMENT AND-ORDER Last attempt demand notice for removal of debt and all negative marks : reference to civil code law violation of court order against portfolio recovery caseNo.2:23-cv-lio UNITED STATES DISTRICTCOURT EASTERN DISTRICTOFVIRGINIA NORFOLK DIVISION FILED Recovery Associates , LLC ( PRA ) and alleges the following : INTRODUCTION 1. PRA is a debt collector whose principal purpose is the collection of debts.\n\nPRA also furnishes consumer information to consumer-reporting agencies ( CRAs ).\n\n2. PRA collected millions of dollars using illegal deb-collection practices and engaged in unlawful credit-reporting practices that have impacted at least hundreds of thousands of consumers.\n\n3. This is the second enforcement action that the Bureau has brought against PRA. In the first, the Bureau found that PRA violated multiple provisions of \" Federal consumer financial law, including the Consumer Financial Protection Act of 2010 ( CFPA ) and the Fair Debt Collection Practices Act ( FDCPA ), through its debt-purchase and collection practices. The Bureau resolved those findings through an order, to which PRA consented, issued on September 9, 2015 in In re Portfolio Recovery Associates, 514 Case 2:23-Cv-00110 Document 1 Filed 03/23/23 Page 2 of 25 PagelD # 2 ^ LLC ( Administrative Proceeding File No. 2015-CFPB-0023 ) ( the Order ). The Order required PRA to abide by certain conduct provisions.\n\n4. Since the Order went into effect, PRA 's debt-collection practices have violated numerous Order provisions, along with the CFPA and the FDCPA. PRA collected on at least tens of thousands of debts that consumers disputed even though PRA did not take the required steps to substantiate the accuracy and validity of those debts. PRA collected on numerous debts without informing consumers the debts were too old to legally enforce or report to a CRA. When notifying consumers that they could be sued, PRA failed to offer to provide consumers with certain required documents. On hundreds of occasions, PRA failed to timely provide the documents it did offer. PRA 's failure to offer and timely supply the requisite documents likely affected consumers ' decision-making about whether to pay allegedly outstanding debts. And PRA sued thousands of consumers when it lacked proper documentation about the debt, and at times sued on debts that were too old.\n\n5. Through these illegal practices, PRA collected millions of dollars from APR 13 2023 CLERK, U.S.DISTRICTCOURT NORFOLK.VA 12:36 Messages INJUNCTION AND OTHER RELIEF Portfolio Recover IMG_5919.jpeg The Consumer Financial Protection Bureau ( Bureau ) brings this action against Portfolio Recovery Associates , LLC ( PRA ) and alleges the following : INTRODUCTION 1. PRA is a debt collector whose principal purpose is the collection of debts.\n\nPRA also furnishes consumer information to consumer-reporting agencies ( CRAs ).\n\n2. PRA collected millions of dollars using illegal deb-collection practices and engaged in unlawful credit-reporting practices that have impacted at least hundreds of thousands of consumers.\n\n3. This is the second enforcement action that the Bureau has brought against PRA. In the first, the Bureau found that PRA violated multiple provisions of \" Federal consumer financial law, including the Consumer Financial Protection Act of 2010 ( CFPA ) and the Fair Debt Collection Practices Act ( FDCPA ), through its debt-purchase and collection practices. The Bureau resolved those findings through an order, to which PRA consented, issued on September 9, 2015 in In re Portfolio Recovery Associates, 514 Case 2:23-Cv-00110 Document 1 Filed 03/23/23 Page 2 of 25 PagelD # 2 ^ LLC ( Administrative Proceeding File No. 2015-CFPB-0023 ) ( the Order ). The Order required PRA to abide by certain conduct provisions.\n\n4. Since the Order went into effect, PRA 's debt-collection practices have violated numerous Order provisions, along with the CFPA and the FDCPA. PRA collected on at least tens of thousands of debts that consumers disputed even though PRA did not take the required steps to substantiate the accuracy and validity of those debts. PRA collected on numerous debts without informing consumers the debts were too old to legally enforce or report to a CRA. When notifying consumers that they could be sued, PRA failed to offer to provide consumers with certain required documents. On hundreds of occasions, PRA failed to timely provide the documents it did offer. PRA 's failure to offer and timely supply the requisite documents likely affected consumers ' decision-making about whether to pay allegedly outstanding debts. And PRA sued thousands of consumers when it lacked proper documentation about the debt, and at times sued on debts that were too old.\n\n5. Through these illegal practices, PRA collected millions of dollars from consumers.\n\n6. Because inaccurate reporting can negatively affect a consumer 's financial opportunities, the Fair Credit Reporting Act ( FCRA ) and its implementing Regulation V require furnishers like PRA to promptly and adequately respond when a consumer disputes the accuracy of a debt. In violation of these requirements, PRA failed on numerous occasions to timelv respond or reasonablv investicate when consumers Portfolio Recovery was already brought to action for the Same suit like myself this year and are non compliant. They are not working with any of the creditors nor are the creditors helping me. I want all of this removed and all marks taken off my record please help","date_sent_to_company":"2024-01-27T08:04:12.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"85209","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"8237601","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2024-01-27T06:27:57.000Z","state":"AZ","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["This is is also <em>against</em> civil code. I <em>have</em> expressed it many times that they <em>have</em> caused undo stress and burden anxiety and Ive <em>been</em> hospitalized several times because of this problem where I can not even bring these issues home anymore : I should not <em>have</em> to be away from my own home because of the lack of thier own ability to report this could cause me death. Portfolio recovery was sent a demand letter for ten days and refused to answer they again lied."]},"sort":[8.076593,"8237601"]},{"_index":"complaint-public-v1","_id":"3302102","_score":8.073603,"_source":{"product":"Student loan","complaint_what_happened":"As of XX/XX/XXXX XXXX XXXX who is the 3rd party debt collector to AES ( American Education Services ) sent a letter to me indicating that they are indeed not the owner of these loans, that there is no lender or owner that has come forward to claim these loans. They tell people that they are so people will still pay the predatory loans. \n\nI also have recorded conversations with management of XXXX XXXX verifying that XXXX XXXX is not the owner nor the lender, but that they have to say that in order to collect the debt. \n\nAES has since added on 4 identical loans from a company that does not have my loans in their possession. XXXX XXXX. \n\nAES still has XXXX and XXXX XXXX XXXX XXXX listed as the owner and lender of my loans. these companies no longer exist, and XXXX XXXX has already verified that they are not the owner of my loans as well. they only have my transcripts. \n\nUntil several years ago, XXXX was one of the biggest for-profit school companies, and owned chains including XXXX XXXX XXXX, XXXX University, and XXXX University. It targeted low-income students, promising a quality education and career opportunities, and charged them high tuitions for sub-standard programs. After years of declining profits and trouble maintaining accreditation, XXXX began to sell its schools. \nIn XXXX, XXXX sold most of its schools for {$60.00} XXXX XXXX XXXX XXXX XXXX, XXXX, a subsidiary of a XXXX-based religious organization, the XXXX XXXX XXXX. XXXX XXXX is in the process of converting the schoolsfrom for-profit to non-profit status. XXXX XXXXXXXX application to the Department of Education to approve the non-profit conversion is pending. If the conversion is approved, XXXX XXXXoperated schools will be subject to even less federal oversight than they are currently. You can read more about the sale and proposed conversion in an earlier post here. \nOn Friday, XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) and 58 related companies filed for bankruptcy.The bankruptcy filings include some of the campuses that XXXX sold and also some that it didnt sell. \nThe bankruptcy filings say that XXXX does not expect to have any funds to distribute to unsecured creditors. In other words, it wont have any money left at the end of the bankruptcy. In fact, XXXX says that it has between {$0.00} and {$50000.00} in assets, but owes between {$500.00} million and {$1.00} billion. Its list of people and companies it owes money to is 1,500 pages long, and includes political campaigns, copy companies, and financial institutions. It will file more financial information in the coming weeks. \nOne of XXXXs lawyers for the bankruptcy is XXXX XXXX, from the firm XXXX XXXX XXXX XXXX. Mr. XXXX and XXXX XXXX XXXX are also representing the estate of XXXX XXXX XXXX , XXXX ( XXXX XXXX ), in its bankruptcy, which was filed in XX/XX/XXXX. You can read more about the XXXX bankruptcy and the XXXX representation of former XXXX students here. \nAt the same time that XXXX filed for bankruptcy, XXXX XXXX announcedin an internal memo that it will close 30 of the campuses that it bought from XXXX just last year, including several XXXX XXXX campuses.XXXX XXXX has since confirmed these plans, and blames declining enrollment and an increased demand for online education for the closures. \nAlthough were not yet sure what, if any, connection exists between XXXX filings and the XXXX XXXX closures, it is clear that both corporations are acting to protect their own interest while further harming their former and current students. \nXXXX XXXX has provided limited information about the closures, but it has shared its plan for affected students. We have summarized its plan below. At the bottom of this post is a list of campuses that XXXX XXXX has said it will close. \n\nINFORMATION ABOUT SCHOOL CLOSURES HOW THE CLOSURES WILL AFFECT STUDENTS WHO ARE CURRENTLY ENROLLED Through leaked XXXX XXXX memos and accountsandformsshared by current students, the XXXX on Predatory Student Lending has learned that XXXX XXXX is giving students at closing campuses 5 options. Here is what weve learned, some information about loan cancellation, and important things to keep in mind until we learn more. A full list of affected schools is at the end of this post. \nOptions For Students at Closing Schools XXXX XXXX announced that students may choose from the following 5 options for how to continue their education : -Complete your degree at your current campus by the end of XXXX, when the campus will close -Complete your degree via the XXXX XXXX XXXX -Complete your degree at another XXXX XXXX campus -Complete your degree at another XXXX XXXX school, either XXXX University or XXXX University -Transfer to another , unspecified university outside the XXXX XXXX network of schools XXXX XXXX is trying to convince students to accept these options by offering a 50 % tuition reduction to students who remain at a XXXX XXXX   school and a {$5000.00} tuition grant to students who transfer to one the unspecified other schools. \nWe have not been able to determine what will happen to students who choose not to accept these options, but it is likely that they will be automatically withdrawn from their program. \nStudents should notlet XXXX XXXX trick them into accepting these offers before they have all the information they need to make an informed decision! Only accept an offer once you have all the information and if its the best option for you. \nAs part of these offers, XXXX XXXX will make students sign acknowledge forms and waivers that will relieve it of any responsibility it owes to students and may prevent students from receiving relief from their federal loans in the future. \nStudents should notsign anything until they have read it carefully, had all of their questions answered, and decided that what the best decision is for them! \nXXXX XXXX is Trying to Deprive Students of Their Right to Loan Cancellation The federal government has a program called the Closed School Discharge program that will cancel federal student loans when students schools close. It is only available to students who are enrolled when the school closes or who had withdrawn within 120 days of the school closure. Students who accept an offer to continue their education somewhere else when their school closes do not qualify for Closed School Discharges. \nIn a public disclosure, the XXXX XXXX XXXX, an accrediting agency that oversees two XXXX XXXX campuses in Illinois and Colorado, recognizes that these schools are at risk of closing and urges students to be aware of Closed School Discharges. XXXX XXXX does not want its students to get Closed School Discharges! Thats because they will have to pay back the government for each loan that is cancelled from its schools. \nXXXX XXXX timed its closings so that anyone who withdraws will do so more than 120 from the closing, and is using tuition discounts to convince students to stay enrolled. These are both ways to prevent students from qualifying for a Closed School Discharge. This is not right! \nImportant Information for Students Theres still a lot that we dont know about XXXX XXXX plan to close its school, and how that will affect students rights. While we wait to learn more, it is important for affected students to ask questions, share information, and protect themselves. Here are a few specific things you can do : -Ask your school for to be placed on a formal leave of absence. XXXX XXXX   schools may not agree to give leaves of absence, but if they do it may help buy some time and maintain students eligibility for Closed School Discharges -Do not sign anything without reading it completely, getting all of your questions answered, and understanding how it affects your right to a Closed School Discharge or to enforce your rights against your school. XXXX XXXX might try to have you waive your rights. Do not do that without understanding the full impact of that decision, which will vary student by student. \n-Share your experience and information!! There are 1000s of students across the country that are affected by this. Join XXXX groups. If you receive information from your school, share it! \n-Visit the Debt Collective website and learn how borrowers across the country are fighting back against bad schools and unfair and illegal debt. \n-Continue to visit this blog for updates. \n-Contact your U.S. representative or senator and let them know whats happening! Demand that they pressure the Department of Education to declare that all students affected by these closures are eligible for Closed School Discharges unless they WANT to accept XXXX XXXX offers. \nXXXXs Bankruptcy May Limit Students Ability To Recover From Their Schools For former students of XXXX-operated schools, XXXXs bankruptcy may limit their ability to seek recovery directly from their school, even in arbitration. Former students may wish to file claims in one or more of the bankruptcy cases ; more information will follow in the coming days. \nPlease visit the Federal Student Aid website, the Debt Collective, or contactthe XXXX   on Predatory Student Lending ( thats us! ) to learn more. \nThe XXXX on Predatory Student Lending is fighting for and with students who have been cheated by the predatory federally-funded colleges. We are monitoring the XXXX   filings and XXXX XXXX closures and will provide updates for affected students as soon as possible. \n\nList of Affected Schools XXXX XXXX CAMPUSES SOLD TO THE XXXX XXXX The XXXX XXXX will cease enrollment at the following 18 XXXX XXXX campuses : Arizona : XXXX California : XXXX XXXX/XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX, XXXX XXXX Colorado : XXXX Florida : XXXX XXXX Illinois : XXXX, XXXX Indiana : XXXX Michigan : XXXX North Carolina : XXXX, XXXX Oregon : XXXX Pennsylvania : XXXX South Carolina : XXXX Tennessee : XXXX Virginia : XXXX The XXXX XXXX will continue to operate the following 12 XXXX XXXX campuses : California : XXXX, XXXX XXXX Florida : XXXX Georgia : XXXX Nevada : XXXX XXXX Pennsylvania : XXXX Texas : XXXX, XXXX, XXXX, XXXX XXXX Virginia : Virginia XXXX Washington : XXXX All other XXXX XXXX were not sold to XXXX XXXX and have closed. \n\nXXXX THE XXXX XXXX WILL CEASE ENROLLMENT AT THE FOLLOWING 10 XXXX CAMPUSES : California : XXXX XXXX, XXXX XXXX, XXXX XXXX Colorado : XXXX Florida : XXXX Illinois : XXXX Tennessee : XXXX Texas : XXXX Utah : XXXX XXXX XXXX Washington : XXXX XXXX THE XXXX XXXX   WILL CEASE ENROLLMENT AT THE FOLLOWING 3 SOUTH CAMPUSES : Michigan : XXXX North Carolina : XXXX XXXX Ohio : XXXX Read more XXXX on Predatory Student Lending Statement on Proposed Sale of XXXX to XXXX XXXX XXXX XXXX, News, XXXX on Predatory Student Lending - XX/XX/XXXX Last Friday, for-profit college giant XXXX XXXX XXXX ( XXXX ) announced the sale of many of its campuses to the XXXX XXXX XXXX. The acquisition would convert three of the corporations chainsthe XXXX XXXX, XXXX University, and XXXX Universityinto nonprofits. XXXX will retain ownership of the XXXX XXXX chain, which is shutting down most of its campuses, and the 19 XXXX XXXX campuses the corporation is in the process of shutting down. \nXXXXs conversion to nonprofit status raises critical questions, including how the corporation intends to ensure positive student outcomes once it is no longer subject to gainful employment regulations. XXXX has more than 130 programs that the federal government has found to burden graduates with unmanageable student loan debtprograms that will be subject to even less federal oversight once they have been sold to a nonprofit. XXXXs compliance with federal requirements attached to the receipt of federal Title IV funds will be even more critical once the corporation is no longer subject to the 90-10 rule, which prevents for-profit colleges from receiving more than 90 percent of their revenues from such funds.\n\nLike the last-ditch sale of many XXXX campuses as that company failed, this sale leaves failing schools with XXXX, while selling off assets that may still have value to a new entity that may disclaim liability for the acts of its predecessors. This type of transaction leaves former students struggling with unmanageable debt even more completely without recourse. \nLess than a year ago, XXXX tried to sell the XXXX XXXX XXXX XXXX XXXX, an XXXX XXXX campus in XXXX, Massachusetts, to a university based in XXXX. The deal was scuttled after the corporations failed to obtain state approval. As XXXXs equity holders continue to try to divest themselves of these assets, regulators should demand assurances that whoever owns the schools will operate them in the interests of students. \nXXXX The XXXX  on Predatory Student Lending represents a group of former students who attended the XXXX-owned XXXX XXXX XXXX XXXX XXXX. In XXXX, these former students demanded that the companies remedy the harms they had caused to students and their families. The XXXX  and Public Justice are currently challenging the federal governments refusal to provide documents shedding light on XXXXs recruiting practices. \nRead more XXXX on Predatory Student Lending Sues Federal Government For Withholding For-Profit College Corporations Recruitment Records XXXX, News, XXXX on Predatory Student Lending - XX/XX/XXXX On XX/XX/XXXX, theXXXX on Predatory Student Lendingof the Legal Services Center of XXXX XXXX XXXX filed a Freedom of Information Act ( FOIA ) lawsuit, challenging the governments refusal to provide documents shedding light on for-profit college giant XXXX XXXX XXXX ( XXXX ) s recruitment practices. \nMonths ago, the XXXX filed a FOIA request with the Department of Justice ( DOJ ), seeking access to these documents. DOJ claimed that it couldnt release the documents ( in part ) because it said there was a court order preventing it from doing so. The XXXX disagreed. So, together with XXXX XXXX, we asked the court that issued the order to clarify that the order does not, in fact, prevent DOJ from releasing the documents. \nSoon after we asked the court for clarification, however, DOJ changed its tune entirely. It now claims that the public has no right to access these documents, even though they were produced to the government by a corporation the government alleged defrauded it of billions of dollars, and would enable the public to evaluate the governments decision to settle its claims for less than one percent of what it had originally said they were worth. \nThe lawsuit challenges the governments assertion that the public has no right to these important documents. \nTwo Federal Lawsuits, Still No Documents Federal regulations allow student loan borrowers to seek cancellation of their federal student loans by showing that their school violated state law. Former students of the XXXX XXXX and other XXXX-owned chains thus want the documents to help prove that they were defrauded, and are entitled to relief on their student loans. Because these documents have been kept secretand because XXXX usesforced arbitration clausestodrive students out of the public court systemborrowers seeking debt relief often have little but their own personal experiences to support their claims of misconduct. \nThe Attorney General of Minnesotaone of the states that participated in the caseexpressed support for the XXXX efforts, stating that the information requested by the XXXX could aid students in their efforts to obtain loan forgiveness from the United States Department of Education, which would unburden them from thousands of dollars of debt. \nThe XXXX  has made a significant effort to obtain these documentsfiling a freedom of information request, litigating the governments denial of that request, and moving to intervene to challenge the government and XXXXs efforts to keep the documents secretbecause the documents are critical to the XXXX advocacy on behalf of low-income student loan borrowers. The documents will help the XXXX seek relief for former students of XXXX-owned schools ; inform the public about the practices of for-profit education companies and the governments oversight of those companies ; and advocate for policies that will protect low-income student loan borrowers. \nBackground : Government Lawsuit Against XXXX XXXX, a corporation that has been closely associated with XXXX XXXX for years, runs four large chains of for-profit schools, including the beleaguered XXXX XXXX. In XXXX, the federal government, along with several states, sued XXXX, alleging that it violated state and federal law and then lied about it to get government funding. The government claimed that, to maximize enrollments, XXXX illegally paid its admissions employees based on the number of students they could enroll ; created a boiler room style sales culture, the relentless and exclusive focus of which was the number of new students each recruiter could sign up ; taught its recruiters to exploit prospective students vulnerabilities ; and rewarded those who recruited the most students with bonuses, extra time off, vacations, and gifts. \nThe lawsuit eventually settled in XXXX for {$95.00} million, less than one percent of the more than {$11.00} billion in taxpayer-funded federal student grants and loans that the government alleged XXXX received between XX/XX/XXXX and the suits filing. The settlement did not relieve students of any of the federal student loan debt they took on to attend XXXX-owned schools. \nDocuments Related to This Case Freedom of Information Act Requests, Appeal, and Complaint : XXXX on Predatory Student Lendings FOIA Requests to DOJ and Intervening States ( PDF ) XXXX on Predatory Student Lendings FOIA Appeal ( PDF ) Project on Predatory Student Lendings FOIA Complaint ( PDF ) Intervention ( XXXX XXXX ) : XXXX on Predatory Student Lendings Brief in Support of Motion to Intervene ( PDF ) XXXX on Predatory Student Lendings Brief in Support of Motion for Clarification of Protective Order ( PDF ) XXXX on Predatory Student Lendings Reply in Support of Motion to Intervene ( PDF ) XXXX on Predatory Student Lendings Reply in Support of Motion for Clarification of Protective Order ( PDF ) About the XXXX on Predatory Student Lending The XXXX on Predatory Student Lending fights for low-income borrowers, representing students and families who have experienced unfair, deceptive, and illegal conduct at the hands of for-profit colleges. In addition to litigating on behalf of its clients, the XXXX   has advocated for policy reforms to increase accountability in the for-profit industry. \nAbout Public Justice Public Justice pursues high impact lawsuits to combat social and economic injustice, protect the Earths sustainability, and challenge predatory corporate conduct and government abuses. For two decades, Public Justice has been exposing and preventing excessive secrecy in our nations courts. Public Justice has unsealed evidence of dangers to public health and safety, helped injury victims oppose over-broad protective orders, and educated the public about the dangers of litigation conducted behind closed doors. \nRead more Challenge to Secrecy of Recruitment Records from For-Profit Education Company XXXX, News, Predatory Lending/Consumer Protection Clinic, XXXX on Predatory Student Lending - XX/XX/XXXX TheXXXX on Predatory Student Lendingof the Legal Services Center of XXXX XXXX XXXX andPublic Justiceasked a federal judge on Friday, XX/XX/XXXX, for access to documents that are likely to reveal for-profit college giant XXXX XXXX XXXX ( XXXX ) s recruitment practices. \nA few years ago, the federal government, along with several states, sued XXXX, whose four large chains of for-profit schools include the beleaguered XXXX XXXX, alleging that it violated state and federal law and then lied about it to get government funding.The government claimedthat XXXX illegally paid its recruiters based on the number of students they could enroll, a practice prohibited by federal law. XXXX, the government alleged, created a boiler room style sales culture, the relentless and exclusive focus of which was the number of new students each recruiter could sign up. To maximize enrollments, the lawsuit alleged, XXXX taught its recruiters to exploit prospective students vulnerabilities, and rewarded those who recruited the most students with bonuses, extra time off, vacations, and gifts. \nThe lawsuit eventually settled in XXXX for {$95.00} million, much less thanthe {$1.00} billion the company received in taxpayer-funded federal student grants and loans in the XXXXyear alone. But as part of discovery in the suit, XXXX produced a lot of documents that we believe will shed light on their recruitment practices. The documents from this lawsuit are likely to strengthen claims for relief of hundreds, if not thousands, of former XXXXC students, saidXXXX XXXX, one of the attorneys representing the debtors. \nFormer students of the XXXX XXXX and other XXXX-owned chains want these documents to help prove that they were defrauded, and are entitled to relief on their student loans. Because these documents have so far been kept secretand because XXXX usesforced arbitration clausestodrive students out of the public court systemborrowers seeking debt relief often have little but their own personal experiences to corroborate their claims of misconduct. \nWhile taxpayers spent hundreds of millions of dollars funding what the Department of Justice has called XXXX recruitment mill, the borrowers who attended these schools have yet to obtain federal debt relief, said Public Justice attorney XXXX XXXX. \nBefore filing this lawsuit, the XXXX  tried to get these documents showing XXXXs predatory recruitment practices through federal and state freedom of information requests, but its request was denied in part because of a protective order in the case. The XXXX  asked a federal judge to rule that the protective order does not shield the documents. \nDocuments Related to This Case XXXX on Predatory Student Lendings FOIA Requests to DOJ and Intervening States ( PDF ) XXXX  on Predatory Student Lendings Brief in Support of Motion to Intervene ( PDF ) XXXX on Predatory Student Lendings Brief in Support of Motion for Clarification of Protective Order ( PDF ) About the XXXX  on Predatory Student Lending The XXXX  on Predatory Student Lending fights for low-income borrowers, representing students and families who have experienced unfair, deceptive, and illegal conduct at the hands of for-profit colleges. In addition to litigating on behalf of its clients, the XXXX  has advocated for policy reforms to increase accountability in the for-profit industry. \nAbout Public Justice Public Justice pursues high impact lawsuits to combat social and economic injustice, protect the Earths sustainability, and challenge predatory corporate conduct and government abuses. For two decades, Public Justice has been exposing and preventing excessive secrecy in our nations courts. Public Justice has unsealed evidence of dangers to public health and safety, helped injury victims oppose over-broad protective orders, and educated the public about the dangers of litigation conducted behind closed doors.","date_sent_to_company":"2019-07-10T20:34:15.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"55744","tags":null,"has_narrative":true,"complaint_id":"3302102","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2019-07-10T19:58:01.000Z","state":"MN","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Join <em>XXXX</em> groups. If you receive information from your school, share it! \n-Visit the Debt Collective website and learn how borrowers across the country are fighting back <em>against</em> bad schools and unfair and illegal debt. \n-Continue to visit this blog for updates. \n-Contact your U.S. <em>representative</em> or senator and let them know whats happening!"]},"sort":[8.073603,"3302102"]},{"_index":"complaint-public-v1","_id":"5700015","_score":7.535117,"_source":{"product":"Mortgage","complaint_what_happened":"Dear PHH and respected PHH attorneys ( Former and current ) This is one more try to settle ongoing litigation with you. \nPlease provide answer to below email sent to you on XXXX XXXX and email sent to XXXX XXXX. PHH and their attorneys failed to respond above mentioned emails and other emails. \nKindly honor your settlement offer to avoid claims ; 1 : Mishandling the loan-modification and loan 2 : detrimental reliance lawsuit 4 : failed to record foreclosure deed 5 : unfair settlement practices 6 : Damages caused to the property and tenants .faulty work performed by the PHH unlicensed contractor which made the situation more worse and dangerous. \nXXXX : ETC ETC ETC. \n\n\nXXXX XXXX XXXX Attachments Mon, XX/XX/XXXX, XXXX AM ( 10 days ago ) to XXXX, XXXX, XXXX, XXXX, XXXX Dear XXXX, Good Morning Thank you for your email. \n\nThe lender conducting the foreclosure is also the high bidder at the auction and when an auction is unsuccessful, lenders retain ownership of the property ( XXXX ). This legal statement was confirmed by the former PHH attorney in an email stating that XXXX was the highest bidder at the auction and failed to perform. The next highest bidder was the bank On a conference call meeting between ( PHH former attorney, XXXX attorneys and member of ARC ). We asked a former PHH attorney who holds the title of the property? \n\nShe said that \" A sale by auction is complete when the auctioneer announces by the fall of the hammer. '' and technically it transferred the title to the lender '' On XX/XX/XXXX XXXX PHH sent us a letter stating, the property reverted to our Real Estate Owned ( XXXX ) Department. and PHH 's former attorney sent an email on XXXX XXXX, stated PHH declines rescind the foreclosure. \n\nThe auction of XXXX XXXX XXXX ( the XXXX ) took place on XX/XX/XXXX. Based upon actions by PHH, its representatives and lawyers ( collectively PHH ) and statements made to a number of individuals and official entities subsequent to the auction, acknowledging ownership of the Property by PHH, including certain demands made to the prior owner, that because of PHHs ownership, the former owner had no right to enter the property, whether to make repairs or otherwise, we believe that PHH presently is the owner of the Property and is responsible for all claims and liabilities associated with the Property and by its residents subsequent to the auction. \n\nOn XXXX XXXX we received a letter from the PHH stating we have reviewed the account and confirm that the foreclosure sale is valid and can not be rescinded. '' On XXXX XXXX, PHH sent us another letter stating A letter dated XX/XX/XXXX was inadvertently sent to the mailing address on file ; this letter was sent due to an agreement between Ocwen and the Massachusetts Attorney Generals Office, under which Ocwen agreed to offer certain consumers whose account was billed for one or more property preservation ( e.g., inspection, title, landscaping ) fees between XX/XX/XXXX and XX/XX/XXXX an opportunity to apply for all available loan modification programs. The agreement did not include loans that had already had a completed foreclosure ; therefore we were unable to review your request for a modification. We strive to provide each customer with the utmost in customer care and professionalism and apologize for any inconvenience or miscommunication due to the receipt of the letter Following the receipt of your correspondence, we have reviewed the account and confirm that the foreclosure sale is valid and can not be rescinded. \n\n\n\nPHH sent a letter to the Consumer Financial Protection Bureau ( CFPB ) and confirmed the statement below ; The account was referred to foreclosure counsel on XX/XX/XXXX. At the time of the referral, the account was past due for the XX/XX/XXXX, through XX/XX/XXXX payments. As the payments were not received on the account and as a mutual resolution and/or plan to cure the delinquency on the loan was not achieved, the foreclosure sale was completed on XX/XX/XXXX. Following the completion of the foreclosure sale, the property reverted to our Real Estate Owned ( XXXX ) Department. \n\n\n\nIn XX/XX/XXXX, an IRS Form XXXX, entitled Acquisition or Abandonment of Secured Property, attached hereto as attachment was filed by XXXX XXXX , presumably prepared by PHH. \n\n\n\nOn XX/XX/XXXX PHH former attorney stated The tenants attorney, XXXX XXXX, provided the attached XXXX letter with a list of their property conditions complaints, this is the only document I have now on the issues, and Attorney XXXX has refrained from filing any litigation thus far. PHH did fix the heat last week, but they have agreed that if you can take on the property conditions with an indemnification, they would review for a sale On XX/XX/XXXX XXXX PHH former attorney said I am following up on the below. As we have not heard further from you on this matter, my client is undertaking repairs for a rodent infestation and electrical issues in the property. Please advise asap on undertaking an indemnification for any sale of the property. If my client spends too much completely repairs, there will be no incentive to sell the property for less than market value '' On XX/XX/XXXX, we received an email that Our office represents the mortgagee. Please do not access the property or perform repairs without authorization. We have been in contact with the city regarding its concerns We relied upon the statements made by PHH, its representatives and lawyers ( collectively PHH ) and suffered a detriment as a result of reliance. we will pursue with a detrimental reliance lawsuit.\n\nWhen PHH took the ownership of the property, tenants attorney sent a demand letter to the PHH as owner of the property, in response of this PHH paid water bill and undertook certain repairs demanded by the occupants which lately buildings tenants, claimed that the workmen were either unlicensed or did not obtain proper permits to do the work and that the work they did created additional dangerous conditions in the building, which they outlined in detail, and former PHH attorney had voice messages of deceased tenant, she blamed PHH contractor for a faulty repair which made situation of apartment worst. Since the residents complaints about the work performed by PHH i\nn the building that caused such dangerous conditions and tenant in Unit 2 has died, the grandson of the tenant in Unit 2, who lived with her, has been hospitalized and the Unit 3 occupant has also been hospitalized.\n\nAn electrician PHH sent to the tenants apartment, made a gaping hole in the wall of the tenants apartment ( the tenant took pictures and texted us ) that would allow a flood of rodents back into the tenants apartment and then left without repairing the wall. Attached tenant text with picture and tenant voicemail sent to you in the last email. Later the city of XXXX board of health sent an email. XXXX was contacted the student who lives in the unit that the student had not been to school and the reason was for stomach illness due to the rat infestation. This infestation was verified yesterday '' We sent an email to the former PHXXXX attorny on XX/XX/XXXX stating that how the tenant was suffering with bullets through the tenants windows on multiple occasions, rodents in her apartment with her constantly sweeping up droppings, a fire due to an electrical system failure, entry doors repeatedly broken, so that anyone could gain access, ongoing XXXX XXXXXXXX, other illegal drugs and needles littering the basement, and a profound effect on the tenants XXXX grandchild who lives with the tenant. Without question, this is all PHHs problem and if something untoward happens at this building, there is no question that PHH will suffer greatly because of its failure to address these issues. \nWe believe that PHH presently is the owner of the Property and is responsible for all claims and liabilities associated with the Property and by its residents subsequent to the auction.\n\nWe also wish to remind you that we repeatedly told PHH prior to the auction that it had failed to consider our legal request for a modification agreement,, as required by law, and under PHH agreement with the MA XXXX office and in accordance with law. We have been advised that our claim has merit, and we will be pursuing our rights with respect thereto unless we are able to resolve this amicably. \n\n\n\nNext, I respectfully disagree with your reply regarding the settlement process. I understand you are newly assigned to this case, and you might have missed the conversation I had with the Attorney XXXX XXXX on XXXX XXXX when he presented a new offer from the PHH in the amount of {$110000.00}. \n\nOn XX/XX/XXXX XXXX attorney XXXX XXXX XXXX a voicemail on my number XXXX at XXXX AM. Attached Attorney XXXX voicemail for your review. \n\nSame day at XXXX PM I returned his call and left a voicemail to his number from my number XXXX ( see Attached call history ) and Same day attorney XXXX XXXX called me back on my number XXXX at XXXX PM, we had XXXX minutes settlement conversation. ( See attached call log record ). \n\nAttorney XXXX XXXX presented {$110000.00} on behalf of the PHH at XXXX PM on XXXX XXXX. At the end of the call, he said that contact us whenever you increase your offer or accept the PHH offer in the amount of {$110000.00}.. Thus, email sent on XXXX XXXX was the counteroffer against {$110000.00} settlement, presented by the XXXX XXXX on behalf of the PHH on XX/XX/XXXX XXXX. \n\nEven if you read XXXX XXXX reply he said ; The offer we recently made was the lowest our client was able to make. However, the date by which you would have been required to make the payment has passed, so we presently have no authority to offer a discounted payoff. If you are willing to pay the {$110000.00}, though, we can discuss with our client. Thank. \n\nWhy he said if you willing to pay {$110000.00} against our offer {$72000.00}? Because {$110000.00} is the lowest offer PHH offered us to settle.\n\nDid he say that he never presented a {$110000.00} offer? \n\n\n\nI would highly recommend that you contact attorney XXXX XXXX for the confirmation of the offer he presented on XXXX XXXX in the amount of {$110000.00}. \n\n\n\nI state again settlement offer in the amount of {$110000.00} was presented to us by the PHH on XXXX XXXX after the deadline of previously settlement offer of {$120000.00} .PHH should honor its own settlement offer and I am hopeful that your client is ready to resolve this matter as well by honoring a settlement offer proposed by the PHH in the amount of {$110000.00} which PHH presented to us on XX/XX/XXXX XXXX and we already have accepted this offer. \n\n\n\nWe relied upon on new offer given to us on XXXX XXXX in the amount of {$110000.00} and we gave our counter offers on XXXX XXXX and XXXX XXXX against PHH new settlement offer in the amount of {$110000.00} and then accepted the PHH offer in the amount of {$110000.00} on XXXX XXXX. \n\nWe are not a large rich and powerful organization like your client but composed of dedicated volunteer professional members from a diverse background to support the noble cause. We are not Liar. Yes, we are committed to turning this Property into a home for refugees and to make it a part of the healthy fabric of our community. We are prepared to finance a renovation of the building so as to eliminate the physical problems with the building and satisfy the occupants.\n\nAgain, thank you for your assistance and professionalism and I look forward to hearing from you soon. \n\nAnd previous email : We put a temporary hold on our complaint at MA XXXX XXXX when a former PHH attorney informed MA XXXX XXXX about PHH intentions to sell the property to us at a discounted amount as post foreclosure. Attached is an email from a former PHH attorney, sent to us on XX/XX/XXXX, regarding PHH intentions to sell the property. We have numerous evidence that PHH had been acted as an owner of the property after the auction, some of evidence shared with XXXX XXXX on XXXX XXXX. ( PHH failed to reply to an email sent on XXXX XXXX ). \n\n\n\nOn XX/XX/XXXX. ( Attached XX/XX/XXXX email ) PHH retained your firm and your firm offered us discounted pay off to settle the matter instead of post foreclosure sale, after negotiation we accepted PHH {$110000.00} pay off offer to settle our claims with the PHH. Below is the timeline of negotiation. \n\nOn XX/XX/XXXX, XXXX XXXX called and offered a discounted payoff of {$150000.00} as settlement. Attached XX/XX/XXXX communication and XXXX voicemails attached to that conversation. \nOn XXXX XXXX. We responded to the settlement offer ( Attached XX/XX/XXXX communication. ) On XXXX XXXX, XXXX XXXX replied \" PHH respectfully rejects your most recent counter-offer. It is instead willing to accept {$120000.00} in satisfaction of the loan. This constitutes a discount of more than {$190000.00} off the loans balance and reflects the understanding that the property will require repairs \" ( Attached XX/XX/XXXX email ) on XXXX XXXX. We responded to XXXX XXXX at XXXX am, however XXXX XXXX did not reply to that email and called me to offer {$110000.00}. ( Attached XXXX XXXX email ). We still are looking for a reply from the PHH of this email. He also advised us to contact him when we increase our counteroffer. He never mentioned that negotiation failed or expired or any deadline. He informed us that PHH 's lowest offer is {$110000.00} for a settlement and suggested we contact him when we accept {$110000.00} .He never mentioned the next step and/or deadline of the settlement. ( Please retrieve the call from your record ). \nOn XXXX XXXX. We contacted XXXX XXXX ( Attached XX/XX/XXXX, email ) On XX/XX/XXXX XXXX. We sent our revised offer against {$110000.00} ( Attached XXXX XX/XX/XXXX email ) On XXXX XXXX. We accepted a PHH offer of {$110000.00} ( Attached XX/XX/XXXX email ). \nWe believe that the building has to be rehabilitated immediately before any further damages to the building or occupants. We are prepared to undertake this rehabilitation project immediately. Prior to the auction and prior to the pandemic, we requested an estimate from a contractor. The estimate to rehabilitate the property as of the auction date was {$280000.00}. I expect that because of XXXX and recent structural damages to the property, these costs have probably increased by at least 40 %. Which makes repair cost to approximately {$410000.00}. Electric/City fines were approximately {$30000.00}. \n\n\n\nCOSTS WITH RESPECT TO THE TENANTS CLAIMS. \n\n{$250000.00} at a minimum to an unknown sum depending on the extent of injuries suffered by tenants due to the conditions at the property.Units 1and 2 tenants and their relatives still have possession of the units and keep coming in out all the time. Eviction case is still pending in the housing court. We have spoken to a tenant recently who is now talking about far greater damage awards and is talking about finding a new attorney to take the case. If this tenant is able to find another attorney who represents tenants in these situations involving lead, mold, contaminated needles, rodents and other issues, we both know what could happen. Now there are other tenants who will want just as much as the first tenant gets in damages.\n\nTenants/their heirs are approaching us directly with settlement offers. Their demands have been increased since PHH has been involved and communicating with them somehow. We also learned that tenants are involving new attorneys as one of the former attorneys received a huge amount of money from one of party involved in the property as settlement but failed to disclose the amount to the tenants. Attached attorney dismissal motion filed by one of the tenants and motion from the party involved for your information","date_sent_to_company":"2022-06-23T15:09:01.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"01902","tags":null,"has_narrative":true,"complaint_id":"5700015","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2022-06-23T14:29:29.000Z","state":"MA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["We <em>have</em> <em>been</em> in contact with the city regarding its concerns We relied upon the statements made by PHH, its <em>representatives</em> and lawyers ( collectively PHH ) and suffered a detriment as a result of reliance. we will pursue with a detrimental reliance <em>lawsuit</em>."]},"sort":[7.535117,"5700015"]},{"_index":"complaint-public-v1","_id":"3279781","_score":7.485399,"_source":{"product":"Mortgage","complaint_what_happened":"CFPB Complaint Details : Weve had our primary mortgage on our property through Citizens Financial Group Inc./Franklin American Mortgage Company since XX/XX/XXXX. Our monthly payment includes principle and interest only, as we pay property taxes ( quarterly ) and homeowners insurance separately and have maintained an excellent payment history always paying in full and on time. \n\nOur property suffered significant damage from hurricane Irma in XX/XX/XXXX. We immediately filed a claim with XXXX XXXX to repair the damage, however after months of repeated inaction and misrepresentation by XXXX XXXX we acquired legal representation to assist with our claim. \n\nAfter denying the vast majority of our claim we filed a lawsuit against XXXX XXXX, whose representatives have been evasive, unhelpful and blatantly lied about the status of our coverage and for the past several months ( since late XX/XX/XXXX ) XXXX XXXX and their attorneys have become unresponsive to both our existing claim, as well as repeated requests for information and status of current coverage, so much so that our attorneys were forced to file to compel them to respond. \n\nDealing with countless temporary and permanent repairs and mitigation required to prevent further damage has caused an incredible financial and emotional burden on our family, which brings me to my complaint concerning the Predatory and unfair lending practices that Citizens Financial Group Inc./Franklin American Mortgage Company suddenly and unexpectedly began engaging in by placing an exorbitantly priced and hazard insurance on our property, which could cause the financial issues for our family to go from difficult to catastrophic. \n\nDespite the financial burdens stemming from the claim issues weve had with XXXX XXXX ( our Home Insurance company ), we continued to made our normal mortgage payment of {$1900.00} on time every month with no issues, so we were shocked when we suddenly received notice in the 2nd week of XXXXl ( not sure of the exact day ) in the form of a letter detailing an escrow summary which revealed that Citizens Financial Group Inc./Franklin American Mortgage Company had placed an unauthorized forced insurance costing over {$9000.00} per 12 months, on our property, causing an escrow shortage on our loan and informing us that our next monthly mortgage payment, due XX/XX/XXXX ( less than 3 weeks ) would increase from {$1900.00} to {$3800.00}! \n\nWe had no prior notification to this communication. No letters. No calls. Nothing. \n\nAttempts to Resolve : Since all communication with XXXX XXXX had been going through the attorneys handling our claim, I immediately contacted our attorneys to request they check on the status of our home insurance policy and spent a couple days unsuccessfully attempting to contact customer service for Citizens Financial Group Inc./Franklin American Mortgage Company via phone, only to be put on long holds and eventually be hung up simply trying to find out what was going on. \n\nAfter getting the expected lack of response from XXXX XXXX, I wasted no time and began the difficult process of trying to secure a new home insurance policy while still dealing with an open claim. \n\nDespite having to take off 2 days of work I was somehow able to find home insurance coverage through XXXX XXXX ( no relation to Citizens Financial Group Inc./Franklin American Mortgage /Citizens Bank ) and since the phone customer service was so unprofessional and difficult to reach and even more unhelpful in trying to resolve any issues, I submitted multiple e-mails ( including details and documentation ) from XX/XX/XXXX-XX/XX/XXXX, requesting Citizens Financial Group   Inc./Franklin American Mortgage Company to have the hazard insurance and all associated billing/charges/payments removed from our policy, as we were never properly notified of these charges in addition to being unable to pay for any increase to our mortgage payment. \n\nCitizens Financial Group Inc./Franklin American Mortgage Company took days to respond and only then did so in e-mail, compounding the frustration and making achieving resolution even more difficult. \n\nThe first response from XXXX XXXX, asked to wait for 5-7 days for a response, which came 3 days later on XX/XX/XXXX ( the day before our mortgage payment was due! ) stating they would only update our account once our new home insurance policy went live. Over the next couple weeks our family suffered the inconvenience and expense of rushing to schedule and pay for 2 new 4 point inspections ( inspection 1 : XX/XX/XXXX, inspection 2 : XX/XX/XXXX ) to secure our new home insurance and the finalized policy documents were e-mailed to Citizens Financial Group Inc./Franklin American Mortgage Company on XX/XX/XXXX. \n\nApproximately 2 weeks later we received notification from Citizens Financial Group Inc./Franklin American Mortgage Company via mail that the hazard policy would finally be removed, however our shortage was barely reduced and instead of our mortgage payment reverting back to the original amount, it remained nearly {$4000.00}! \n\nAfter our family did all we could, while experiencing little to no help from Citizens Financial Group Inc./Franklin American Mortgage Company , to resolve the issues related to the exorbitant hazard insurance including the unexpected and outrageously unfair and untenable increase to our monthly payment, I repeatedly called Citizens Financial Group Inc./Franklin American Mortgage Company   customer service until I was finally able to get to supervisor XXXX XXXX on XX/XX/XXXX . \n\nI explained the extended financial burdens and communication difficulties our family had been dealing with since XX/XX/XXXX, regarding our open hurricane Irma claim with XXXX XXXX and the extreme jeopardy to our familys good credit and home ownership the forced place hazard insurance from Citizens Financial Group Inc./Franklin American Mortgage Company put on our family and as well as the illegal  or unfair lending practices being engaged in by adding this coverage without sending the legally required notifications and notices. \n\nTiming of the Required Notices The servicer must send the first notice at least 45 days before purchasing a force-placed insurance policy. \nThe servicer must then send a second noticea reminder noticeno earlier than 30 days after the first notice and at least 15 days before charging the borrower for force-placed insurance coverage. This notice must include the cost of the force-placed insurance or a reasonable estimate of the cost. ( 12 C.F.R. 1024.37 ).\n\nSupervisor XXXX XXXX, stated that 2 notices were sent out earlier, but she was curiously unable to immediately provide the dates or notices sent and said that I would receive copies of the previously sent notices within 24 hours. XXXX XXXX also assured me that shed have all charges removed completely and promised shed protect any damage to our credit by preventing any late or delinquent payments from being reported while we were working through resolving these issues, since it may take several days to receive some of the information and documentation needed from their insurance department. \n\nWhen XXXX XXXX, called back 24 hours later, as promised on XX/XX/XXXX, she still wasnt able to provide the supposed prior notices, but told me they would be mailed to me in the next couple days. She then reiterated that she was working on resolving our issues and after providing her phone and direct extension ( XXXX ext. XXXX ) to reach her directly with questions or concerns, she assured me that she would follow up with me in the next couple days with a resolution and not to worry. \n\nI never received any further contact or follow up from XXXX XXXX, or any other representative from Citizens Financial Group Inc./Franklin American Mortgage  Company and after trying to reach Supervisor XXXX XXXX via her extension 5 or more times, I was unable to reach her directly and every request to be connected to her and to resolve our issues directly with Citizens Financial Group Inc./Franklin American Mortgage Company have failed , which is why we are now filing a complaint with the CFPB, as well as taking the following additional steps ; 1. Registering complaints with the XXXX XXXX XXXX. \n2. Notifying the State Regulatory Board. \n3. Notifying the Attorney General to Investigate Violations 4. Report Problems to HUD. ... \n5. Filing a Complaint with the Federal Reserve. \n6. Reporting possible Fraud/unfair or predatory lending practices to the FBI. \n\nIn addition, as a XXXX XXXX and XXXX XXXX XXXX in gaining top and effective ranking on XXXX and other search engines, Ill be XXXX XXXX XXXX XXXX with updated XXXX XXXX to ensure star ratings and reviews are reflected in XXXX, where I plan on publishing the details and updates of our families experience with Citizens Financial Group Inc./Franklin American Mortgage Company and allowing other customers to express their own stories and experiences with Citizens Financial Group Inc./Franklin American Mortgage Company and publish ratings and reviews of their services that will be found on the 1st pages of the top bank, mortgage and loan related local searches across the country. \n\nI also plan on sending continuous communications detailing current and future issues and updates via e-mail and letter to the following list of Senior Leadership and Board of Directors of Citizens Financial Group Inc./Franklin American Mortgage Company ; Citizens Bank Leadership XXXX XXXX XXXX Chairman and Chief Executive Officer XXXX XXXX XXXX Vice Chairman and Chief Financial Officer XXXX XXXX XXXX Head of Business Services XXXX XXXX XXXX Vice Chairman, Consumer Banking XXXX XXXX President , Consumer Deposits and Lending XXXX XXXX XXXX General Counsel and Chief Legal Officer XXXX XXXX Chief Risk Officer XXXX XXXX Chief Marketing Officer and Head of Virtual Channels XXXX XXXX Chief Human Resources Officer XXXX XXXX XXXX Vice Chairman and Head of Commercial Banking XXXX XXXX Chief Information OfficerXXXX XXXX Head of Corporate Finance and Capital Markets Citizens Bank Board of Directors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . ( \" XXXX '' ) XXXX XXXX XXXX. ( \" XXXX '' ) XXXX XXXX XXXX. ( \" XXXX '' ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Lead Director ) XXXX XXXX XXXX XXXX XXXX As I have repeatedly stated via e-mails and phone conversations over the past 2 months with representatives from Citizens Financial Group Inc./Franklin American Mortgage Company , our family has continued to faithfully pay our original monthly mortgage payment of {$1900.00}, in-full and on time, with the last payment processing on XX/XX/XXXX. \n\n\nDesired & Fair Resolution : Resolving our issues is simple and shouldve been done weeks ago. \n\nSince we never received the legally required notifications and notices before Citizens Financial Group Inc./Franklin American Mortgage Company forcibly placed hazard insurance on our policy, the fair resolution our family requires is for any and all past and future charges/billing associated with the hazard insurance policy be removed immediately and our escrow shortage be corrected. \n\nIn addition, as good customers with a good payment history, who are still struggling to work through the open claim and lawsuit with our former insurance company ( XXXX XXXX  ) and may be for many more months, if any form of insurance needs to be placed on our mortgage policy by Citizens Financial Group Inc./Franklin American Mortgage Company in the future, Id expect our mortgage company to treat our family with the decency and respect we deserve, by practicing fair and legal lending laws and procedures, as well as simple and decent customer service, by reaching out to us to modify our mortgage policy to an acceptable payment amount that we are able to afford without incurring more debt than we already have from repairs to recover from a disaster and required mitigation 's to protect our property from future damage.","date_sent_to_company":"2019-06-20T18:56:49.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"32812","tags":null,"has_narrative":true,"complaint_id":"3279781","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2019-06-19T13:33:19.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["After denying the vast majority of our claim we filed a <em>lawsuit</em> <em>against</em> <em>XXXX</em> <em>XXXX</em>, <em>whose</em> <em>representatives</em> <em>have</em> <em>been</em> evasive, unhelpful and blatantly lied about the status of our coverage and for the past several months ( since late XX/XX/<em>XXXX</em> ) <em>XXXX</em> <em>XXXX</em> and their attorneys <em>have</em> become unresponsive to both our existing claim, as well as repeated requests for information and status of current coverage, so much so that our attorneys were forced to file to compel them to respond."]},"sort":[7.485399,"3279781"]},{"_index":"complaint-public-v1","_id":"2838982","_score":7.3550353,"_source":{"product":"Mortgage","complaint_what_happened":"XX/XX/XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX RE : XXXX # XXXX SLS # XXXX To Whom It May Concern, We are writing today to inform you of the events, some of which many would deem unethical if not unlawful, that have led to our request for an investigation into these practices, or possible assistance in clearing up the matter. We will be listing the events in timeline order in hopes of making them easier to follow. \n\nFirst, let us give you a short recap of who we are in order to give you a better understanding of our background. XXXX is a XXXX XXXX XXXX and XXXX is a XXXX. They are extremely active in their community, with XXXX being awarded Woman of the Year in her community, and Elk of the Month in her local Elks Lodge for countless volunteer hours helping veterans, abused women and children, students in the District, etc.. They have been together since XX/XX/XXXX, meeting as teenagers and becoming young parents to XXXX, now XXXX, and XXXX, now XXXX. They bought their home in XX/XX/XXXX. When the recession hit around XX/XX/XXXX, XXXX was working long hours and often not getting paid by his clients for the work he completed, as those clients were also facing the effects of the recession. XXXX, then in her early XXXX, had returned to college, taking upwards of XXXX units per semester, graduating with her XXXX with honors before receiving her XXXX credential. With the decline in the economy, XXXX student loans carried them through financially. However, they fell behind in their mortgage. In XX/XX/XXXX, with the economy picking up, XXXX started with his plan to make double payments on the mortgage in order to help catch up with the months they were behind in paying. In XX/XX/XXXX, he made his first double payment. The following month, he called in to do the same, and  was told no payment would be accepted because they were seven months behind. When XXXX mentioned to the phone operator that he had just made a double payment and were only five months behind, he was told there was no history of that transaction. This is where our story with XXXX XXXX XXXXXXXX and Specialized Loan Servicing ( SLS ) begins ... \n\nXX/XX/XXXX - We receive notice that our loan has been transferred from XXXX XXXX to XXXX XXXX XXXX, a division of XXXX XXXX XXXX. \n\nXX/XX/XXXX - We received a notice from XXXX XXXX stating the balance owed on the home was {$350000.00}. \n\nXX/XX/XXXX - The last dated statement weve received from XXXX XXXX states a  balance of {$330000.00} is owed. \n\nXX/XX/XXXX - XXXX makes a double payment on the account, bringing the months in arrear to just five months. \n\nXX/XX/XXXX and early XX/XX/XXXX - XXXX makes several calls to XXXX XXXX to make another double payment and is denied, being told the foreclosure process has begun as there has not been a payment made since XX/XX/XXXX. When XXXX states he had just made a double payment the previous month, he is told there is no record of this payment. We proceed to make several more phone calls regarding the missing payments. \n\nXX/XX/XXXX - We receive a notice of foreclosure. \n\nXX/XX/XXXX - XXXX writes to XXXX XXXX regarding opening an investigation into the missing payments from XX/XX/XXXX. \n\nXX/XX/XXXX - XXXX responds to XXXX letter, and includes a printout of payments received, which shows there were, indeed, two payments made in XX/XX/XXXX. However, this confidential loan information is sent XXXX at a totally unknown address in a completely different state ( New Jersey ). XXXX XXXX XXXX, the recipient of this information, was kind enough to mail us those documents, along with the original mailing envelope. NOTE : This is the beginning of a pattern by XXXX XXXX and Specialized Loan Servicing ( SLS ) of mailing important and time sensitive material to the incorrect address. If not for XXXX XXXX tracking us down and mailing us our information, we would never have proof that our XX/XX/XXXX double payment was properly credited to our mortgage. \n\nXX/XX/XXXX - After months of sending in our information for a modification loan with XXXX XXXX, and repeatedly being told information was either missing or illegible, we spoke with attorney XXXX XXXX, and retained his services of assisting with the completion of our loan mod packet. \n\nXX/XX/XXXX - We contacted XXXX XXXX XXXX XXXX, a mortgage assistance program, to see if they could help with keeping our home. You will see in a future timeline entry that this did not work due to our servicers lack of response to their requests for information that would help us. \n\nXX/XX/XXXX - We received our first denial of a loan mod, due to missing paperwork. Our attorney, XXXX XXXX, disputed the rejection immediately with proof of all paperwork being turned in. \n\nXX/XX/XXXX - Foreclosure paperwork is taped to our front door. We continue to send in information requested to XXXX XXXX for the next several months, with communication between XXXX XXXX and XXXX XXXX continuing through email and postal mail. \n\nXX/XX/XXXX - We are informed by XXXX XXXX that XXXX XXXX of XXXX XXXX XXXX   contacted XXXX XXXX. Apparently, XXXX XXXX had been contacted by a Federal Monitor who, after reviewing loan modifications, expressed concerns regarding the extended amount of time the bank to resolve the loan mod. XXXX XXXX also assured a decision would be made in one to  two days of receiving one last document from us. \n\nXX/XX/XXXX - XXXX XXXX XXXX XXXX sends us a letter stating they are unable to assist due to the fact that our servicer failed to respond to their several requests for information, despite the fact that documents were signed by XXXX permitting XXXX XXXX XXXX XXXX to obtain said information. \n\nXX/XX/XXXX and XX/XX/XXXX - XXXX mails a letter to government and bank officials regarding the errors and irresponsible handling of our loan/loan modification. \n\nXX/XX/XXXX - Our modification loan is rejected. We are given thirty days to appeal. \n\nXX/XX/XXXX - XXXX XXXX writes XXXX in response to her letter to XXXX XXXX, Chairman of XXXX XXXX XXXX. In it, he incorrectly states the missing mortgage payments were from XX/XX/XXXX, when they were actually from XX/XX/XXXX. He states no payment can be accepted once foreclosure has started. The payments were received the month before foreclosure started and were not credited by XXXX phone calls in XX/XX/XXXX/XX/XX/XXXX. This shows yet again a pattern of miscommunication and lack of attention to detail that results in the foreclosure process continuing under false pretenses. \n\nXX/XX/XXXX - Attorney XXXX XXXX sends in the appeal, with ten days remaining before the deadline. He notes the NPV calculations used by XXXX XXXX in their reasoning for the denial doesnt make sense, and the appraisal does not coincide with several appraisal companies findings. \n\nXX/XX/XXXX - XXXX responds to a letter and phone call received from XXXX XXXX, an XXXX XXXX employee in the Default Escalation Department. XXXX XXXX voicemail stated he wanted to discuss XXXX letter sent to XXXX XXXX executives. While talking to XXXX XXXX, XXXX had to correct him when he attempted to discuss previous conversations between the two of them, which had never happened. After realizing his mistake and reviewing the loans history, he stated several times the loan was current. He stated our appeal sent in the time frame allotted was never received and the loan was transferred to a different department. \n\nXX/XX/XXXX - XXXX texted XXXX to relay the information she just learned during her phone call to XXXX XXXX. XXXX immediately called XXXX XXXX to make a payment, if indeed the account was current, only to hear the automated system stateme the loan was paid in full. Yes.  You read correctly. Paid in full. \n\nXX/XX/XXXX - XXXX purchases XXXX XXXX XXXX. We expect to receive paperwork from XXXX regarding our loan. \n\nXX/XX/XXXX - After months have gone by without hearing anything from XXXX XXXX, a document is sent to XXXX XXXX at an address he has never resided at. The address belongs to XXXX XXXX office. The document is from Specialized Loan Servicing ( SLS ). SLS has not had any dealings with XXXX XXXX. If they are taking over the loan, new documents should have been sent to the homeowner at his address and never were. The document demands {$70000.00} be paid to SLS before they would accept any mortgage payments. There was no accompanying letter, no mention of XXXX XXXX, no introduction of being the new holders or servicers of the loan. To us, it appeared to be another piece of junk mail similar to the hundred of pieces of mail and phone calls weve received since foreclosure began, asking for money. Our attorney, XXXX XXXX, responds to the request, stating if they are taking over the loan, then regular payments are required to be allowed to commence immediately. No response was received. \nXX/XX/XXXX -\nSLS sends another bill to our lawyers address, but not response to our lawyers letter. Again, SLS has had no business with XXXX XXXX, so we are perplexed as to why our mail is being sent to that address and not to us. SLS is now demanding {$79000.00} before they will accept any payment on the loan. \n\nXX/XX/XXXX - Foreclosure paperwork is delivered to our home. \n\nXX/XX/XXXX - XXXX XXXX is retained as a second attorney to assist with a lawsuit in regards to the mismanagement of our loan and severe lack of communication from SLS. \n\nXX/XX/XXXX - Another loan modification application is sent in and is received by SLS on XX/XX/XXXX. \n\nXX/XX/XXXX - XXXX XXXX files our lawsuit. \n\nXX/XX/XXXX - a TRO is put on the sale of our home while XXXX XXXX XXXX reviews the case. \n\nXX/XX/XXXX - XXXX XXXX sends a response to SLS who stated on XX/XX/XXXX no postponement of foreclosure would occur. XXXX XXXX states that while a loan modification packet is in their possession and being reviewed, no foreclosure can take place, citing dual tracking. \n\nXX/XX/XXXX. XXXX - Opposing Counsel, XXXX XXXX, at XXXX XXXX XXXX XXXX XXXX contacts XXXX XXXX and offers a loan modification in exchange for dropping the lawsuit. \n\nXX/XX/XXXX - XXXX XXXX accepts the HAMP loan mod on our behalf, which requires three trial payments being mailed. \n\nXX/XX/XXXX - We sent in the first of three trial payments. Including in the mailing was a check from my XXXX card account, the necessary signed forms agreeing to the trial loan mod, and a letter from XXXX asking that any further communication be sent to our home address or phone number. The envelope was sent with a signature required for delivery. \n\nXX/XX/XXXX - Our second trial payment was sent in, along with the signed trial loan mod paperwork, another letter asking to be contacted at our home address, and a check from our  personal bank account. \n\nXX/XX/XXXX - Our third and final check, drawn from our personal bank account, was sent in with the necessary paperwork and another letter asking SLS to contact us directly, something they have failed to do from the get go. \n\nXX/XX/XXXX - We emailed XXXX XXXX inquiring as to why we hadnt heard from SLS regarding the trial loan mod. For the next couple of weeks, she emailed back and forth with opposing counsel, XXXX XXXX, about the checks. XXXX XXXX asked for proof of the payments being mailed in. After several weeks, we discovered SLS was sending correspondence to XXXX XXXX previous office address, ignoring our three requests for communication to come to our home address. SLS had cashed two of the payments, refusing to cash the check from XXXX XXXX card account, which would cash the same as a personal bank account check. XXXX XXXX said SLS demanded a personal bank check to be sent in. Meanwhile, SLS had canceled the trial loan mod after claiming payments were not sent in on time. Our signatures accepting the payments at SLSs XXXX XXXX, CO address says otherwise. Nowhere in the paperwork for the trial loan mod was there any stipulation of where the payments were drawn from. A replacement check was sent to SLS after waiting several days for XXXX XXXX to instruct us where  to send it. \n\nXX/XX/XXXX - XXXX XXXX, another XXXX XXXX XXXX XXXXXXXX counsel person writes that a letter dated XX/XX/XXXX from SLS rejects our trial loan mod. This letter was sent to an address no longer being used by XXXX XXXX. No communication was sent to XXXX or XXXX. \n\nXX/XX/XXXX - XXXX XXXX rejects XXXX XXXX counter and offers a walk away. \n\nXX/XX/XXXX - Another loan modification is completed and then sent in by XXXX XXXX on behalf of XXXX and XXXX. \n\nXX/XX/XXXX - The one and only piece of communication sent by SLS is attached to our door, in the form of a slip of paper asking XXXX to contact a SLS representative at a number verified to belong to SLS. \n\nXX/XX/XXXX - A class action lawsuit against SLS for their unlawful practices dealing with loan mods and mortgage fraud is filed. We are not affiliated with the lawsuit, but can relate to the claims. \n\nXX/XX/XXXX - After not receiving word on the last loan mod application we sent in, XXXX XXXX helps up complete another one and it is sent in by XXXX. \n\nXX/XX/XXXX - SLS denies our loan mod, sending the denial to an address not affiliated to XXXX or XXXX, XXXX XXXX, or XXXX XXXX. It is addressed to XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX. This address is XXXX XXXX previous office address and has not been her office address for almost two years. Opposing counsel was made aware of this back in late XX/XX/XXXX when SLS was sending the trial loan mod check back to this incorrect address. Opposing counsel and SLS continued the practice of not updating their addresses on file, even when made aware of the change. Not only was the denial sent to the wrong address, there is no floor or office number, no mention of XXXX XXXX ( whose office it was two years prior ). It is unknown where the mail ended up, but XXXX XXXX is not the attorney who prepared our loan mod packet, XXXX XXXX is. There is no reasonable conclusion as to why SLS mailed the denial to this expired and incomplete address. \n\nXX/XX/XXXX - The court case is dismissed, as we were not allowed to enter all the new misconduct from SLS onto our original claim. \n\nXX/XX/XXXX - XXXX XXXX sends a letter to the Attorney General and the Consumer Protection Financial Bureau. SLS responds to XXXX XXXX saying they will only deal with XXXX XXXX. \n\nXX/XX/XXXX - Letters of foreclosure are delivered to XXXX and XXXX address. The amount due has gone from {$330000.00} to {$430000.00}. The sale date is XX/XX/XXXX. \n\nTo this date, SLS has not returned the money from the two checks they cashed during the trial loan mod in late XX/XX/XXXX. SLS also repeatedly refuses to disclose who holds the loan, stating they only service the loan. \n\nHopefully this timeline of events gives you an insight of what we have been dealing with for the past several years. The mental, emotional and physical stress we have endured has been taxing to say the least. We have been bombarded with solicitations through the phone, mail, and have even had men accost our daughter as she attempted to leave for school asking to speak to us about saving our home. We have spent countless nights trying to find a way to continue to make payments on our mortgage. XXXX has been physically ill due to the stress and worry over the home she has raised her children in being taken away while every request for proper review of IXXXX XXXX/SLSs oversights have fallen on deaf ears. We have spent tens of thousands of dollars on legal fees trying to save our home. \n\nWe are hoping those connected with the banks and firms involved in these events will take steps to correct the errors made by their staff in the past several years. As is always requested, please send any correspondence to our home address. We look forward to your prompt reply as this is a time sensitive matter with the sale date being less than four weeks away. \n\nThank you, XXXX and XXXX XXXX The included documents are listed in order below : * XXXX notice of transferring our loan to XXXX XXXX XXXXXXXX, a division of XXXX XXXX XXXX. \n( one page ) XXXX XXXX XXXXXXXX letter regarding amount owed as of XX/XX/XXXX ( one page ) *Jeffs letter to XXXX asking them to find the two missing payments from XX/XX/XXXX. (one page ) *XXXX proof of payment that was mailed to a complete stranger, XXXX XXXX of New Jersey . Included are the outside of both mailing envelopes, XXXX XXXX note to us, the statement showing both XX/XX/XXXX payments, and a letter from XXXX showing the incorrect address. ( four pages ) *XXXX XXXX XXXX XXXX letter stating XXXX is not  responding to any communication sent by XXXX . ( one page ) *Response letter from XXXX XXXX XXXX , where he incorrectly states our missing payments were from XX/XX/XXXX, a month after foreclosure had started. The two missing payments were made in XX/XX/XXXX. ( two pages ) *XXXX letter, sent to XXXX XXXX , who was representing us with our loan mod application with XXXX XXXX months earlier and had no dealing with SLS. ( two pages ) *Email from opposing counsel, XXXX XXXX , promising a loan mod in exchange for our lawsuit against SLS being dropped. ( two pages ) *SLSs loan mod paperwork sent to us. As laypersons, we could not find any mention of what type of check we were allowed to use. ( twenty pages ) *Our three trial payments for the loan mod. ( seventeen pages ) *SLSs denial of our loan sent to an address formally used as an office by XXXX XXXX , and XXXX XXXX had informed opposing counsel representing SLS that the address was no longer her office address at least eighteen months prior to this. The floor/office number is also missing from the address. ( three pages ) *SLSs response to XXXX XXXX complaint against SLS to the Consumer Financial Protection Bureau , including payment histories. ( ten pages )","date_sent_to_company":"2018-03-10T05:54:02.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"92780","tags":null,"has_narrative":true,"complaint_id":"2838982","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2018-03-10T00:42:21.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["XX/XX/<em>XXXX</em> - Another loan modification is completed and then sent in by <em>XXXX</em> <em>XXXX</em> on behalf of <em>XXXX</em> and <em>XXXX</em>. \n\nXX/XX/<em>XXXX</em> - The one and only piece of communication sent by SLS is attached to our door, in the form of a slip of paper asking <em>XXXX</em> to contact a SLS <em>representative</em> at a number verified to belong to SLS. \n\nXX/XX/<em>XXXX</em> - A class action <em>lawsuit</em> <em>against</em> SLS for their unlawful practices dealing with loan mods and mortgage fraud is filed."]},"sort":[7.3550353,"2838982"]},{"_index":"complaint-public-v1","_id":"14086149","_score":6.939362,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint and Dispute Debt Buyer Reporting Violations of FCRA and FDCPA ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Dear CFPB Representative, I am submitting a formal complaint regarding a debt buyer tradeline reported on my consumer credit report. This account is listed as a collection account with the original creditor being XXXX XXXX XXXX XXXXXXXX XXXX  and currently managed by a debt buyer whose full identity and ownership details are not provided in the tradeline. This violates several provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) and is part of a known pattern of legal abuse and misreporting by debt buyers that has resulted in federal lawsuits. \n\nAccount Information : Account Number : XXXX Creditor/Originator : XXXX XXXX XXXX XXXX XXXX  Current Owner : Not Disclosed ( Debt Buyer Account ) Date Opened ( Reported ) : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Status : Collection Balance : {$170.00} High Balance : {$170.00} Date Reported : XX/XX/XXXX Activity Designator / Terms / Payment History : Not provided Legal Issues and Violations : Re-Aging of Debt ( FCRA 1681c ( a ) ( 4 ) ) : The date of first delinquency is shown as XX/XX/XXXX, but the account is listed as \" opened '' on XX/XX/XXXX more than two years after delinquency, suggesting illegal re-aging of the debt. This deceptive practice is prohibited under federal law and was challenged in the case FTC XXXX XXXX XXXX XXXX XXXX, where a debt buyer was found guilty of similar FCRA violations. \n\nIncomplete and Unverifiable Reporting ( FCRA 1681e ( b ), 1681s-2 ( b ) ) : The tradeline fails to include : The name of the debt buyer who owns the account Payment history Chain of title Any indication of validation Without this, the account is incomplete, inaccurate, and unverifiable, making it unfit for continued reporting. \n\nFailure to Provide Debt Validation ( FDCPA 809, 15 U.S.C. 1692g ) : If the current furnisher is a third-party debt collector ( which the \" debt buyer '' classification implies ), they are legally obligated to provide full validation upon request and before reporting to CRAs. Failing to identify themselves or provide any such documentation violates the FDCPA.\n\nMisleading Status Designation ( FCRA 1681i and FDCPA 1692e ) : The account is labeled \" collection '' and open, while there is no disclosed payment schedule, agreement, or activity. This creates a false impression of a valid, actively due debt, which is misleading and potentially damaging to my financial reputation. \n\nPattern of Legal Abuse : Accounts of this type specifically XXXX XXXX XXXX XXXX XXXX  debts sold to unknown debt buyers have been the subject of multiple class action lawsuits and regulatory fines due to improper credit reporting practices, inaccurate balances, and lack of documentation. The CFPB has previously taken enforcement action in such cases, and I request that this account be reviewed under similar scrutiny. \n\nRequested Actions : I respectfully request the following : Immediate investigation into the debt buyers identity, ownership rights, and the legal accuracy of the tradeline.\n\nEnforcement of FCRA compliance by requiring the deletion or correction of this tradeline due to improper re-aging, unverifiable ownership, and missing account details.\n\nConfirmation that no further reporting will occur without proper documentation, including the original agreement, proof of assignment, and a payment history. \n\nThat CFPB considers potential action against the furnisher and any related entity if this is found to be part of a pattern of consumer harm. \n\nThis inaccurate, incomplete, and possibly unlawful reporting is having a negative impact on my credit file. I am asserting my rights under FCRA and FDCPA, and I request CFPB intervention to ensure compliance and prevent further damage. \n\n_____________________________________________________________________ To : Consumer Financial Protection Bureau ( CFPB ) Subject : Dispute of Collection Account Reported by XXXX XXXX Legal Violations Under FCRA and FDCPA Dear CFPB Representative, I am submitting this formal complaint regarding a collection account reported by XXXX XXXX on my consumer credit report. After reviewing the tradeline, I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ), which affect the accuracy, completeness, and legality of this entry. \n\nAccount Details : Account Number : XXXX Creditor : XXXX XXXX Reported Balance : {$1700.00} Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date Reported : XX/XX/XXXX Status : Collection Type : Telecommunications/Cellular Payment History : Not Provided Contact : XXXX XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX ) XXXX Legal Issues with This Reporting : 1. Violation of FCRA 1681e ( b ) : Inaccuracy & Incompleteness This tradeline provides no payment history, no activity record, no validation documentation, and no details of account ownership, despite being labeled a collection account. Per FCRA, credit furnishers and reporting agencies must ensure all reported information is accurate, complete, and up to date. The absence of these critical elements renders the tradeline incomplete and unverifiable. \n\nXXXX. Failure to Identify Ownership or Collection Authority This account is listed as a collection, but XXXX XXXX is a service provider, not a third-party debt collector. If XXXX sold or assigned the debt to a collection agency, that information must be disclosed. If a third party is reporting this account on XXXX behalf, they are subject to FDCPA 809 ( 15 U.S.C. 1692g ) and are required to provide debt validation.\n\n3. Reporting Without Full Validation ( FDCPA 809 ) If this account is being collected or reported by any party other than the original creditor, I am entitled to receive : Verification of the debt The name of the original creditor The full breakdown of charges leading to the {$1700.00} balance Confirmation that the entity reporting this debt has legal standing to collect it None of this information has been provided or made accessible. Reporting this debt without validation violates FDCPA requirements. \n\nXXXX. Potential Re-Aging or Misclassification of Telecommunications Debt The \" Date Opened '' is XX/XX/XXXX, with a \" Date of First Delinquency '' in XX/XX/XXXX. If this debt is older or was incurred earlier than this, it may have been re-aged a tactic that unfairly extends the time it remains on my report, which violates FCRA 1681c ( a ) ( 4 ) and 1681s-2 ( a ) ( 1 ) ( A ).\n\nMy Request to the CFPB : I respectfully request the following : Initiate an investigation into this account and its reporting accuracy, validation, and legal compliance. \n\nConfirm whether XXXX XXXX still owns this debt or if it has been sold or assigned to a third-party collector. If so, require disclosure of the current debt owner. \n\nRequire that this account be verified with supporting documentation, including : Original contract or service agreement Billing statements Proof of ownership/assignment Chain of title, if sold If the furnisher or CRA can not verify the completeness and accuracy of this tradeline, request its permanent deletion under FCRA 1681i ( a ) ( 5 ). \n\nThis account is causing harm to my creditworthiness. Under both FCRA and FDCPA, I am asserting my rights to full, accurate, and verifiable reporting and request your assistance in resolving this matter appropriately. \n________________________________________________________________ To : Consumer Financial Protection Bureau ( CFPB ) Subject : Dispute of Medical Collection Account XXXX XXXX XXXX XXXX XXXX XXXX \n\nDear CFPB Representative, I am submitting this formal complaint and dispute regarding a medical debt collection tradeline being reported on my credit file by XXXX XXXX for services allegedly provided by XXXX XXXX  XXXX. \n\nThis entry is inaccurate, incomplete, and being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and recent changes in federal medical debt reporting policy as directed by the Consumer Financial Protection Bureau ( CFPB ) and implemented through the National Consumer Assistance Plan ( NCAP ). \n\nAccount Information : Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX. \n\nBalance Owed : {$680.00} Date Assigned : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of First Delinquency : [ Not Provided ] Date of Last Payment : [ Not Provided ] Current Status : Unpaid Account Type : XXXX XXXX Comments : Consumer Disputes This Account Information Legal Concerns and Violations : 1. Violation of Medical Debt Reporting Rules ( Effective XX/XX/XXXX ) Under the updated Equifax, Experian, and TransUnion policies, paid medical collections must be deleted from credit reports, and unpaid medical debt under {$500.00} is no longer allowed to be reported. If this account qualifies under either, it should be removed immediately. I am requesting full verification that : The account is still legally reportable It meets the dollar threshold for continued reporting Insurance payment status has been verified 2. Violation of FCRA 1681e ( b ) : Accuracy and Completeness The tradeline does not include essential details required by law, such as : A full billing breakdown or explanation of services The date of first delinquency Whether insurance was billed or pending Without this information, the tradeline is incomplete and unverifiable, and thus a violation of the FCRA. \n\nXXXX. Potential FDCPA Violations Medical Debt Not Properly Validated If XXXX XXXX is acting as a debt collector, they must provide full validation of the debt under 15 U.S.C. 1692g. I have not received any documentation validating this account including proof of treatment, billing statement, or insurance adjudication results and yet it continues to be reported, harming my credit profile. \n\n4. No Notice Prior to Reporting FCRA 1681s-2 ( a ) ( 7 ) There is no evidence that proper notice was sent 30 days before reporting this debt to the credit bureaus, as required by the FCRA for medical debt. This failure makes the reporting action unlawful. \n\nXXXX. Unfair Reporting of Time-Barred Debt If this debt is from early XXXX or earlier, depending on Georgias statute of limitations for medical debt ( typically 46 years ), this may now be time-barred from collection or credit reporting, unless re-aged which is also a violation of FCRA 1681c ( a ) ( 4 ). \n\nRequest for Relief : I am requesting the CFPB investigate this account and require XXXX XXXX and the credit bureaus to : Verify the debts accuracy and legal eligibility for reporting under current medical debt regulations. \n\nProvide full validation of the debt, including : Insurance billing details Service date and type Billing and patient statements Delete the account if it can not be validated or is improperly reported under new guidelines. \n\nConfirm whether the account was ever paid or settled, and if so, ensure deletion in compliance with current CFPB and credit bureau policies. \n\nThis collection entry is negatively affecting my credit standing and was reported without adequate verification or legal compliance. I am asserting my rights under the FCRA and FDCPA and request the XXXX assistance in resolving this matter fairly. \n______________________________________________________________________ Consumer Financial Protection Bureau ( CFPB ) Subject : Dispute of Medical Collection Account Reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB Representative, I am filing a formal dispute regarding a medical collection tradeline being reported on my credit profile by XXXX, on behalf oXXXX XXXX XXXX XXXXXXXX, in the amount of {$720.00}. This debt is reflected as : Original Creditor : XXXX Georgia XXXX XXXX XXXX : XXXX XXXX : {$720.00} Date Assigned : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Status Date : XX/XX/XXXX Creditor Classification : Medical/Health Care Account Type : Individual Account Comments : Medical Dispute Basis & Legal Violations This medical debt is being reported in a manner that violates current federal guidelines regarding the reporting of medical collections on consumer credit reports. I am invoking my rights under : 1. FCRA 1681c ( a ) ( 4 ) Obsolete Debt Reporting The date of first delinquency is XX/XX/XXXX, which means this account is over XXXX years old. Under the Fair Credit Reporting Act ( FCRA ), adverse information including collections can not be reported more than 7 years from the date of first delinquency. This item is at or beyond the legal reporting limit and must be removed if it exceeds the XXXX window. \n\nXXXX. Medical Debt Reporting Reform Effective XX/XX/XXXX The three major credit bureaus ( Experian, Equifax, and TransUnion ) implemented policy changes per CFPB pressure, stating : Medical debt under {$500.00} is no longer reportable.\n\nPaid medical collections must be removed.\n\nMedical collections can not be reported until 365 days after being sent to collections to allow insurance payment and resolution. \n\nIt is unclear from the reporting if this account was ever billed to insurance, paid in part, or resolved. If any of the following apply, the account is in violation of CFPB policy and should be deleted : The account was paid or settled The balance is under {$500.00} The debt was reported before 365 days from assignment 3. FCRA 1681e ( b ) Inaccurate/Incomplete Reporting This account lacks key information required to ensure accuracy : No date of last payment No evidence of itemized charges No documentation showing patient responsibility vs insurance denial Without this information, the debt can not be fully verified and should not be included in my consumer file. \n\n4. FDCPA 809 ( 15 USC 1692g ) Failure to Validate Debt I have not received any validation or itemized statement regarding this debt. If XXXX is acting as a third-party collector, they are required to send validation of the debt upon request, which includes : Itemized charges Insurance billing outcomes Signed consent to treatment Action Requested I request the CFPB investigate this collection tradeline and take corrective action against improper reporting. Specifically, I ask : Immediate removal of the tradeline if the account is beyond the legal reporting period.\n\nVerification and validation of the medical debt in compliance with FCRA and FDCPA.\n\nConfirmation that the debt meets CFPB and credit bureau policy for reporting, especially concerning the dollar amount and age of the debt.\n\nDocumentation of whether this debt was ever billed to and denied by insurance. \n\nThis item is damaging my credit and is not being reported in compliance with current consumer protection laws and reporting standards. \n______________________________________________________________________ Consumer Financial Protection Bureau ( CFPB ) Subject : Dispute of Medical Collection Account Reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB Representative, I am submitting a formal dispute regarding a medical collection account being reported by XXXX XXXX XXXX, assigned from XXXX XXXX XXXX XXXX, in the amount of {$640.00}. The account details are as follows : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount Owed : {$640.00} Date Assigned : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Status : Unpaid Creditor Classification : Medical/Health Care Status Date : XX/XX/XXXX Legal Basis for Dispute I am disputing this account based on the following legal grounds and federal protections applicable to the reporting of medical debt on consumer credit reports : 1. CFPB Medical Debt Reporting Rules ( Effective XX/XX/XXXX ) Under updated guidelines announced by the CFPB and implemented by the credit reporting agencies ( Equifax, Experian, and TransUnion ), the following rules apply : Medical debts under {$500.00} must not be reported on credit reports. \n\nPaid medical debts must be removed from credit reports. \n\nMedical debt can not be reported until XXXX full year ( 365 days ) after it was sent to collections to allow time for insurance claims and billing resolution. \n\nDispute Justification : It is unclear whether this {$640.00} debt was submitted to insurance, paid in part, or subject to billing errors. If it was ever paid, disputed with the provider, or not aged 365 days from the date of assignment, its reporting violates the current CFPB and credit bureau policy and must be deleted. \n\nXXXX. Fair Credit Reporting Act ( FCRA ) XXXX ( b ) : Accuracy and Completeness The FCRA mandates that information furnished to consumer reporting agencies must be accurate and complete. This debt lacks essential information such as : Date of last payment Itemization of charges Whether the balance reflects insurance adjustments or billing errors Dispute Justification : Without clear documentation or validation of this debt, its accuracy is in question and it must be removed until proven with complete and accurate records. \n\n3. Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S. Code 1692g ) : Debt Validation I have not received any validation or documentation from XXXX XXXX XXXX verifying the origin, legitimacy, or details of this debt. The FDCPA requires that any debt collector must provide proper validation upon request. \n\nDispute Justification : No validation has been provided. Until full debt verification ( including itemized billing, insurance status, and treatment consent ) is received, this debt must not be reported. \n\nRequested Resolution I am respectfully requesting that the CFPB investigate this medical collection tradeline and take appropriate action to ensure compliance with consumer protection laws. I specifically request : Removal of this account from all credit reports if it is unverified, inaccurate, or reported in violation of federal guidelines. \n\nDocumentation from XXXX XXXX XXXX proving the legitimacy and reporting accuracy of this account. \n\nConfirmation that this debt meets all CFPB and credit bureau requirements, including the {$500.00} threshold and the one-year delay rule. \n\nThis account is negatively affecting my credit profile, and I am exercising my rights under the FCRA and FDCPA to ensure fair, accurate, and lawful reporting of consumer information. \n\nThank you for your time and attention to this matter.","date_sent_to_company":"2025-06-15T13:08:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30076","tags":null,"has_narrative":true,"complaint_id":"14086149","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-15T12:42:21.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Pattern of Legal Abuse : Accounts of this type specifically <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  debts sold to unknown debt buyers <em>have</em> <em>been</em> the subject of multiple class action <em>lawsuits</em> and regulatory fines due to improper credit reporting practices, inaccurate balances, and lack of documentation. The CFPB has previously taken enforcement action in such cases, and I request that this account be reviewed under similar scrutiny."]},"sort":[6.939362,"14086149"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":45,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":45}]}},"product":{"doc_count":45,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":6},{"key":"VA mortgage","doc_count":2},{"key":"FHA mortgage","doc_count":1},{"key":"Home equity loan or line of credit (HELOC)","doc_count":1}]}},{"key":"Debt collection","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage debt","doc_count":4},{"key":"Credit card debt","doc_count":3},{"key":"I do not 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