{"took":787,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":23,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17825101","_score":20.458418,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"On Thursday XX/XX/XXXX I was contacted by XXXX XXXX and a message was left by someone named XXXX XXXX stating that they were sending someone to my residence the next day to appraise my vehicles. Once I called back, I had no knowledge of this loan. I asked why was a person coming to appraise my cars? I was sent to a person that gave me different options. They pretended to click over to talk to someone to see if they would agree from XXXX  loans to see what they would agree to accept from me at a smaller amount. They clicked over and say that they would accept some lump sum like {$1300.00} or something like that. I let them know. I am not able to pay that because I am on like a fixed income right now due to a slip and fall that I had at my job The Postal Service. They didnt sent me to another person which said they would accept {$50.00} once a week until I pay off the XXXX. I didnt want to agree to any of this but it was like I was threatening like they were going to come and take my XXXX XXXX and I let them know. I didnt understand how they could take a car that Im still making payments on and not the car that was paid for which is the XXXX XXXX but they told me thats how they work and thats what they will be able to do was with the car thats not paid for which made no sense to me. So I was pretty much pressured into making this payment arrangement which I still feel is not fair because this is a loan that is almost XXXX XXXX XXXX. I have no knowledge of this loan. In which I later found out XXXX loan which is the original people of this loan so its sent to a third-party and that Zoca loans is no longer in service and theyre up in a lawsuit for charging extremely high interest rates. I went in trying to send you a copy of the XXXX somehow it is not available.","date_sent_to_company":"2025-12-08T11:43:48.000Z","issue":"Struggling to pay your loan","sub_product":"Payday loan","zip_code":"329XX","tags":null,"has_narrative":true,"complaint_id":"17825101","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rosebud Economic Development Corporation","date_received":"2025-12-08T11:08:17.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["In which I later found out <em>XXXX</em> loan which is the original people of this loan so its sent to a third-party and that Zoca loans is no longer in service and theyre up in a <em>lawsuit</em> for charging extremely <em>high</em> interest <em>rates</em>. I went in trying to send you a copy of the <em>XXXX</em> somehow it is not available."]},"sort":[20.458418,"17825101"]},{"_index":"complaint-public-v1","_id":"3403484","_score":19.14956,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I initiated an international wire transfer with Navy Federal Credit Union on XX/XX/2019. To this day, the recipient has not received the funds. The last notification I received was via email stating my transfer was successfully sent to the Federal Reserve. \n\nI called Navy Federal Credit Union and they say they cant help me, but only try to get ahold the Federal Reserve, which I am sure they did not. They told me this is out of their hands and that if I get no response from them, that means my funds are lost. \n\nFirst of all, what kind of bank says this to their customer??? \n\nSecond, I was charged a high exchange rate and paid {$25.00} for this transaction so they are fully obligated to cough up the money if this gets lost, since I did everything on my part correctly. \n\nThe three American entities involved are Navy Federal Credit Union, the Federal Reserve, and XXXX XXXX ( which is the bank that Navy Federal uses for currency exchange ). \n\nThis will turn into a lawsuit against all three companies if this is not fixed, very soon. I need to know where the wire is, if thats not possible, for some reason, even with the secure technology the banks use, one institution will need to cough up the money and place it back in my account WITH NO FEES OR DEDUCTIONS. \n\nThis payment was made to pay my rent, but of course, the banks mess it up and they dont even care. This is why I am asking you, the government, to step in.","date_sent_to_company":"2019-10-11T04:37:00.000Z","issue":"Money was not available when promised","sub_product":"International money transfer","zip_code":"223XX","tags":null,"has_narrative":true,"complaint_id":"3403484","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2019-10-11T04:17:50.000Z","state":"VA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["First of all, <em>what</em> kind of bank says this to their customer??? \n\nSecond, I was charged a <em>high</em> exchange <em>rate</em> and paid {$25.00} for this transaction so they are fully obligated to cough up the money if this gets lost, since I did everything on my part correctly. \n\nThe three American entities involved are Navy Federal Credit Union, the Federal Reserve, and <em>XXXX</em> <em>XXXX</em> ( which is the bank that Navy Federal uses for currency exchange )."]},"sort":[19.14956,"3403484"]},{"_index":"complaint-public-v1","_id":"2768799","_score":16.617432,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I was approved for and received a small loan from CashNetUSA. This is not my first time to receive a loan from this company. The problem is I work for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where unexpectedly I ended up filing a Discrimination and Equal Pay Rights complaint agaist the XXXX XXXX that made it as far as the Hearing level. This has been a very intense case that took over 2 years to come to a settlement agreement. This was done just recently. Unfortunately I was placed on extended leave due to stress and once I no longer had leave on the books I no longer was receiving an income! I contacted CashNetUSA multiple times explaining my situation and that I take full responsibility of my debt to the company but have no way whats so ever to continue making payments until my XXXX case was over. I ensured CashNet that even if I lost the case I would be retiring receiving a full annuity after 38 years with XXXX Im finally going to receive a settlement amount and will start receiving my retirement so I will be able to take care of all financial obligations. \nMy problem is with the interest this loan company is charging me for a small loan where something came up preventing pay day payments from being paid. During the time this hearing process has take until I signed an agreed Settlement amount I lost my home of 20 years, my car and just about everything I owen trying to survive as a single parent with XXXX boys and no income on top of surviving the XXXX XXXX XXXX thats thrown at you every time you ask for help! There is only one process available to an employee that is set up to support management. The XXXX XXXX has its own way of handling employees who are a threat to upper management. \nBecause I was very informative keeping CashNet up to date with my lawsuit by writing letters, email and discussions on the phone, in an effort to avoid the high interest rates Im being charged. My total balance now is almost 3 times more then the amount borrowed. I have a feeling because this falls under their contract that Im going to be stuck paying the full amount including all interest during the 2 year waiting period. All said and done, Is there any kind of protection to individuals getting this type of loan that fall under the circumstances I have explained preventing me from making Pay day payments? I have another loan with a different company that is also a small pay day loan that has already sued me. I dont even know what the out come of that law suit even is. \nThe hearing process for a XXXX XXXX employee is absolutely ridiculous the way it is set up forcing the employee to settle out, transfer out or take an early retirement due to what is known as forcing the employee and their family into starvation to get them to accept other options that dont serve justice! As you are aware Im sure the XXXX XXXX will avoid going to court in every way possible. \nI am one of the fortunate ones that was able to out starve them and I won my case! \nDo, Can you please guide me in any positive direction or give me advice on what I can do if there is a way, to avoid paying such high interest rates on a small loan? Please advise Sincerely XXXX XXXX","date_sent_to_company":"2018-01-02T14:56:04.000Z","issue":"Struggling to pay your loan","sub_product":"Payday loan","zip_code":"93003","tags":null,"has_narrative":true,"complaint_id":"2768799","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENOVA INTERNATIONAL, INC.","date_received":"2018-01-02T03:25:28.000Z","state":"CA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":null},"highlight":{"complaint_what_happened":["Do, Can you please guide me in any positive direction or give me advice on <em>what</em> I can do if there is a way, to avoid paying such <em>high</em> interest <em>rates</em> on a small loan? Please advise Sincerely <em>XXXX</em> <em>XXXX</em>"]},"sort":[16.617432,"2768799"]},{"_index":"complaint-public-v1","_id":"7256645","_score":15.655598,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Closing its eyes to practices that harmed consumers : The company created financial incentives for dealers to add extra products to loans and then shrugged off whether customers were misled into thinking the add-on products were required. Add-on products, such as vehicle service contracts, are a profit center for Credit Acceptance. They represented about {$250.00} XXXX in revenue in XXXX alone. \nWhen borrowers default on loans, it can lead to severe consequences, including wage garnishment and an inability to borrow money in the future. A default on an auto loan can also lead to the borrower losing their means of transportation, which can cause job loss and a further spiral of damaged credit and financial distress. \n\nThis is not the only action targeting Credit Acceptance for violation of consumer financial protection laws. For example, last year, the Massachusetts Attorney General secured more than {$27.00} XXXX for thousands of families harmed by Credit Acceptance.Hiding the true cost of credit : Since XXXX, Credit Acceptances loan agreements nationwide have said that consumers would pay interest at an average 22 % APR. However, the true cost of credit offered is far higher than what borrowers are told. This is because Credit Acceptances business model pushes dealers to manipulate the prices of vehicles sold to Credit Acceptance borrowers, based on borrowers projected performance. XXXX  then uses the projected collections to decide how much to pay its dealers. \nXXXX  pays dealers less for loans with lower scores because they are riskier, and XXXX  predicts it will collect less. Because XXXX  sets the interest rate for the loan and that interest rate does not change based on borrower risk, XXXX  lending model incentivizes dealers to sell cars at inflated prices, which increases the amount XXXX  pays the dealer. \n5. This means the principal amounts in XXXX  loans are often artificially inflated and far exceed the amount XXXX  expects to collect on the loan or has paid to its dealers. And because XXXX  has shifted the cost of the credit into the principal amount instead of the interest rate, consumers do not know they are paying these hidden costs of credit to finance their vehicles. 12 U.S.C. 5531 ( a ) ,5536 ( a ) ( 1 ), 5536 ( a ) ( 3 ), THEY ARE IN VIOLATION by obscuring the cost of credit for auto loans and taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences, as well as their inability to protect their interests, and for providing substantial assistance to dealers, even though XXXX  knew or should have known the dealers were misrepresenting the voluntary nature of add-on products. THEY JUST HAD A BIG LAWSUIT FOR A HIGH APR RATE AND THATS WHAT THEY DID TO ME MY APR IS XXXX, FINICANCE CHARGE IS WHAT I SUPOSED TO PAY FINCANCE CHARGE IS THE SUM OF ALL CHARGES ( ALL CHARGES ) ACCORDING TO THE LAW 15 U.S. Code 1605 - Determination of finance charge WHICH STATES Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. \n( 2 ) Service or carrying charge. \n( 3 ) Loan fee, finders fee, or similar charge. \n( 4 ) Fee for an investigation or credit report. \n( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. \n( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.","date_sent_to_company":"2023-08-17T15:10:59.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"43228","tags":null,"has_narrative":true,"complaint_id":"7256645","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2023-07-15T20:51:43.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["THEY JUST HAD A BIG <em>LAWSUIT</em> FOR A <em>HIGH</em> APR <em>RATE</em> AND <em>THATS</em> <em>WHAT</em> THEY DID TO ME MY APR IS <em>XXXX</em>, FINICANCE CHARGE IS <em>WHAT</em> I SUPOSED TO PAY FINCANCE CHARGE IS THE SUM OF ALL CHARGES ( ALL CHARGES ) ACCORDING TO THE LAW 15 U.S."]},"sort":[15.655598,"7256645"]},{"_index":"complaint-public-v1","_id":"4028857","_score":14.781007,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Earlier this year before Covid I had an issue with my XXXX XXXX XXXX  which required me to take it into the shop to have some warranty work completed on it. It was covered after going through some hoops which I get it warranty work no one gets paid for it directly. My issue upon this situation was that the part that had to be ordered came from DriveTime and/or XXXX home office located in AZ. I was told it was remanufactured or like new. Wasn't able to see and verify parts after replacement because they had to be sent back to AZ. Under my warranty contract with them and XXXX XXXX it does state thats in line with the parts they can replace on any vehicle per the agreement. My issue was I was out of vehicle for almost a week because of the time it took for parts to come in and upon asking for a loaner vehicle said the billable hours didn't meet their requirement of reimbursement and I could get loaner any try to get it back but no a promise for reimbursement. Asked on several occasions that I wanted proof of what parts had been replaced and was told by all of them that it is something they have to prove to me per the contract. Fast Forward my needs have changed and am currently looking at getting out of this vehicle and getting into something that better reflects what I need at this time. No dealership will take the trade because of the high interest rate and more money down needed to make the deal happen. I get that but Drivetime/XXXX won't take the trade in as well at all regardless of money I need to put down. I was told they don't take their cars back on trade and/or refinance current loans even if they still make more money on new one. I am tired of the pure bad business practices these companies are allowed to get away with. My previous vehicle I had gotten from them had to be bought back from me after many battles that I eventually proved was a flood damaged vehicle. They couldn't give me the money I had paid into that vehicle being a XXXX XXXX XXXX because I had paid for time I used it and was only given my original down payment. These companies being able to do all of this and the consumer just out of luck? I had also asked what had come of the vehicle bought back from me did they sell it to another sucker. I have filed complaints after complaints but they are still in business doing same shady used car sales. There was now ay my 1st car should have been sold to me let alone past State Inspection. I am filing a class action lawsuit against DriveTIme and/or XXXX for unfair Business Sale tactics and Fraud any help would be appreciated.","date_sent_to_company":"2020-12-23T14:34:23.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"21114","tags":null,"has_narrative":true,"complaint_id":"4028857","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DriveTime","date_received":"2020-12-23T14:16:25.000Z","state":"MD","company_public_response":null,"sub_issue":"Problem related to refinancing"},"highlight":{"complaint_what_happened":["Asked on several occasions that I wanted proof of <em>what</em> parts had been replaced and was told by all of them that it is something they have to prove to me per the contract. Fast Forward my needs have changed and am currently looking at getting out of this vehicle and getting into something that better reflects <em>what</em> I need at this time. No dealership will take the trade because of the <em>high</em> interest <em>rate</em> and more money down needed to make the deal happen."]},"sort":[14.781007,"4028857"]},{"_index":"complaint-public-v1","_id":"7136981","_score":14.269852,"_source":{"product":"Mortgage","complaint_what_happened":"Vile Regions Bank Home Equity Variable Interest Rate Loan PREDATORY UPON A SENIOR CITIZEN WITH A FIXED INCOME [ 1 ] Regions bank provided me with a fixed interest rate mortgage loan initially. ( XXXX or XXXX ) [ 2 ] Regions bank then destroyed the fixed interest rate mortgage loan on the pretense that a variable interest rate would be lower and would provide me with more money. ( XXXX ) [ 3 ] XXXX, the home equity lender, ( XXXX, Florida, Regions ) said my monthly payments would be lower. I relied on her word and trusted her. \n[ 4 ] XXXX did not give me a copy of the paperwork for the new improved loan. She said she would keep it in her desk for safekeeping. Two weeks later, XXXX was no longer employed at that Regions bank. \n[ 5 ] XXXX also found a friend of hers in the City of XXXX, as I recall, to put insurance on my house. XXXX said that the insurance payments to her friends company would be on auto pay. \n[ 6 ] I was later to learn that the payments were not on autopay. When I called Regions bank to ask the name of the insurer ( e.g., the friend of XXXX ), no one seemed to know. They said they no longer had that original paperwork ( which I never got a copy of ). \n[ 7 ] During COVID, this better loan that XXXX talked me into grew, grew, and grew in monthly payments. It is now unaffordable, and I never knew this would happen to me. I was nave and XXXX took advantage of my lack of knowledge. \n[ 8 ] Today ( XX/XX/XXXX ), I found out something even more horrific about this horrible, variable interest rate loan that is killing me. I found out that the exorbitant costly insurance forced upon me has a {$9300.00} wind deductible for roof damage. I can not tell you how stunned I am. \n[ 9 ] About a year ago, I called XXXX at Regions Bank ( downtown XXXX, Missouri ). His solution was for me to cancel the variable interest rate loan and start all over with ANOTHER loan, more money, with another 15 years on my head. This is NOT a solution. It is simply a way to saddle me with endless debt. \n[ 10 ] Another Regions Bank employee ( XXXX, Florida ), when made aware of this horrific loan on my head said, Well, who could have predicted that interest rates would go up so much? \nThis rhetorical question is not an apology and it does not solve the financial damage being done to me. \n[ 11 ] No employee at Regions Bank should have ever talked a XXXX-year-old woman into a VARIABLE interest rate loan. That was unfair and predatory. \nSo, thats when I decided to look up the definition of predatory lending, here : The loan Regions gave me matches the definition : XXXX XXXX XXXX And here is more proof that I have been saddled with a predatory loan from Regions Bank , with predatory loan practices. \nPredatory Lending : How to Avoid, Examples and Protections By XXXX XXXX Updated XX/XX/XXXX Reviewed by XXXX XXXX What Is Predatory Lending? \nPredatory lending typically means imposing unfair, deceptive, or abusive loan terms on borrowers. In many cases, these loans carry high fees and interest rates, strip the borrower of equity, or place a creditworthy borrower in a lower credit-rated ( and more expensive ) loan, all to the lender 's benefit. \nPredatory lenders often use aggressive sales tactics and exploit borrowers lack of understanding of financial transactions. Through deceptive or fraudulent actions and a lack of transparency, they entice, induce, and assist a borrower in taking out a loan they will not reasonably be able to pay back. \nKEY TAKEAWAYS Predatory lending is any lending practice that imposes unfair and abusive loan terms on borrowers. \nSome aspects of predatory lending include high-interest rates, high fees, and terms that strip the borrower of equity. \nThe economic impact of COVID-19 gave way for cash-strapped consumers to become vulnerable to predatory loans.1 Predatory lending disproportionately affects women, XXXX, and XXXX communities. \nPredatory lending often occurs in conjunction with home mortgages. \nHow Predatory Lending Works Predatory lending includes any unscrupulous practices carried out by lenders to entice, induce, mislead, and assist borrowers toward taking out loans they are unable to pay back reasonably or must pay back at a cost that is extremely above the market rate. Predatory lenders take advantage of borrowers ' circumstances or lack of knowledge. \nPredatory lending puts many borrowers at risk, but it especially targets those with few credit options or who are vulnerable in other wayspeople whose inadequate income leads to regular and urgent needs for cash to make ends meet, those with low credit scores, those with less access to education, or those subject to discriminatory lending practices because of their race, ethnicity, age, or disability. \nPredatory Lending Tactics to Watch Out for Predatory lending is designed, above all, to benefit the lender. It ignores or hinders the borrowers ability to repay a debt. Lending tactics are often deceptive and attempt to take advantage of a borrowers lack of understanding of financial terms and the rules surrounding loans. These tactics can include those identified by the Federal Deposit Insurance Corporation ( FDIC ), along with several others : Excessive and abusive fees : These are often disguised or downplayed because they are not included in a loan 's interest rate. According to the FDIC, fees totaling more than 5 % of the loan amount are not uncommon. Excessive prepayment penalties are another example.2 Loan flipping : The lender pressures a borrower to refinance, again and again, generating fees and points for the lender each time. As a result, a borrower can end up trapped by an escalating debt burden.2 Asset-based lending and equity stripping : The lender grants a loan based on your asset, say a home or a car, rather than on your ability to repay the loan. You risk losing your home or car when you fall behind on payments.2 Equity-rich, cash-poor older adults on fixed incomes may be targeted with loans ( say, for a house repair ) that they will have difficulty repaying and that will jeopardize their equity in their home. \n\nPredatory Lenders typically target vulnerable populations, such as those struggling to meet monthly expenses ; people who have recently lost their jobs ; and those who are denied access to a wider range of credit options for illegal reasons, such as discrimination based on a lack of education or older age. \nWhat Is an Example of Predatory Lending?\n\nWhenever a lender seeks to take advantage of a borrower and tie them into unfair or unmanageable loan terms, it can be considered predatory lending. Telling signs of a predatory lender include aggressive solicitations, excessive borrowing costs, high prepayment penalties, big balloon payments, and being encouraged to consistently flip loans. \nIs Predatory Lending a Crime? \nIn theory, yes. If you are enticed and misled into taking out a loan that carries higher fees than your risk profile warrants or that you are unlikely to be able to pay back, you have potentially been the victim of a crime. There are laws in place to protect consumers against predatory lending, though plenty of lenders continue to get away with it, partly because consumers dont know their rights.\n\nCan I Sue for Predatory Lending?\n\nIf you can prove that your lender violated local or federal laws, including the Truth in Lending Act ( TILA ), you may want to consider filing a lawsuit. Its never easy going against a wealthy financial institution. However, if you have proof that this lender broke rules, you have a reasonable chance of being compensated. As a first step, contact your state consumer protection agency. \nThe Bottom Line Predatory lending is any lending practice that imposes unfair and abusive loan terms on borrowers, including high-interest rates, high fees, and terms that strip the borrower of equity. Predatory lenders often use aggressive sales tactics and deception to get borrowers to take out loans they can't afford. And in many cases, predatory lenders have targeted vulnerable populations. \nPredatory lenders aren't all loan sharks. A great deal of predatory lending is carried out by more established institutions such as banks, finance companies, mortgage brokers, attorneys, or real estate contractors. The subprime mortgage boom in the years leading up to XXXX was, arguably, an example of predatory lending.26 This above article was quite the eye opener for me, and it let me know that I am the victim of a predatory loan from Regions Bank . \nXXXX at Regions bank -- Most everything she promised me turned out to not be true, including that the insurance person she found for me would be paid automatically every three months. Regions has instead placed the highest insurance on me in addition to the fluctuating ever rising 10-years-more payments. The insurance they selected is a train wreck for me with a {$9300.00} deductible. \nHere is another relevant article. \nXXXX XXXX  XXXX What is the Regions Bank controversy ? \nCustomer fraud In XXXX, Regions paid {$200.00} XXXX to settle with the U.S. Securities and Exchange Commission over mispricing risky mortgage-backed bonds in its conservative mutual funds in its Morgan Keegan subsidiary . \n\nhttps : XXXX Why is fixed better than variable? \nThe main advantage of a fixed rate home loan is certainty. You can lock in or 'fix ' your interest rate for a certain period of time typically between one and five years and plan for the future, knowing that your repayments will stay the same during that time. \n\nSOLUTIONS : *I WANT A LOWER DEDUCTIBLE ON THE HORRIBLE INSURANCE POLICY CREATED BY REGIONS TO BENEFIT ONLY REGIONS BANK WHO HAS TAKEN EXTREME ADVANTAGE OF ME, A SENIOR CITIZEN, AS APPLIED TO THE CURRENT CLAIM. \n*I WANT REGIONS TO PAY THE DEDUCTIBLE ON THE CURRENT ROOF DAMAGE CLAIM. \n*I WANT THE LOAN TO GO BACK TO WHAT IT WAS, FIXED, WITHOUT GIVING ME MORE MONEY AND WITHOUT MAKING ME RESPONSIBLE FOR ANOTHER 15 YEARS OF DEBT UNTIL I AM XXXX YEARS OLD. That is a predatory solution suggested by Regions Bank. \nBEST SOLUTION : I WANT THE LOAN COMPLETELY TERMINATED FOR FRAUD COMMITTED UPON ME. IN FIVE PLUS YEARS TIME, THEY ALREADY GOT SO MUCH MONEY OUT OF ME. \nI CANT EVEN AFFORD TO FIX MY ROOF, THANKS TO REGIONS BANK. I CANT EVEN AFFORD ANYTHING, THANKS TO REGIONS BANK. \nSincerely, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX","date_sent_to_company":"2023-07-20T12:38:30.000Z","issue":"Struggling to pay mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"32607","tags":"Older American","has_narrative":true,"complaint_id":"7136981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"REGIONS FINANCIAL CORPORATION","date_received":"2023-06-19T19:53:56.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Predatory Lending : How to Avoid, Examples and Protections By <em>XXXX</em> <em>XXXX</em> Updated XX/XX/<em>XXXX</em> Reviewed by <em>XXXX</em> <em>XXXX</em> <em>What</em> Is Predatory Lending? \nPredatory lending typically means imposing unfair, deceptive, or abusive loan terms on borrowers. In many cases, these loans carry <em>high</em> fees and interest <em>rates</em>, strip the borrower of equity, or place a creditworthy borrower in a lower credit-<em>rated</em> ( and more expensive ) loan, all to the lender 's benefit."]},"sort":[14.269852,"7136981"]},{"_index":"complaint-public-v1","_id":"3143739","_score":13.366133,"_source":{"product":"Mortgage","complaint_what_happened":"A mortgage servicing company XXXX XXXX, Address is XXXX XXXX La XXXX XXXX XXXX XXXX, XXXX along with a XXXX licensed finance lender Civic Financial Services, LLC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX in collusion together overcharged us the consumer {$31000.00} the attempted to disguise as default interest deferred. \nFor months we disputed the charges and they failed to correct or remove them. \nTheir scheme was to bill it this as default interest deferred despite us paying up the monthly payments and two extension fees of over {$14000.00}. \n\nin what we see is clearly an attempt via predatory lending and unfair business practices to strip homeowners of equity theyve built up in their properties or cause them to lose their properties. Obviously, we dont know how many victims theyve dont this to. We believe based on our experience dealing with them this practice by Civic Financial is a reflection of a bigger problem thats likely built into their business model and either flat out illegal or predatory and unethical practices violating consumers and lending laws and usury laws. and is most likely a reflection of a more widespread problem in what they are doing. Id bet this can be a goldmine for an attorney willing to look into this or do a class action suit. \n\nDespite the States strict usury laws this company seems to be claiming they can charge an interest rate of 17 % disguised as default rate even after they accepted our note payments along with plus two separate loan extension fees that brought the account current. The confusion began after our refinance did not close as promised which Civic knew they entire time we had been working on.\n\nWe paid Civic extension fees twice totaling over {$14000.00} and on top of that XXXX XXXX of XXXX along with XXXX XXXX representing XXXX servicing charged another {$31000.00} theyre wrongfully billing as default interest deferred. They went so far as to demand this amount at close of our escrow and took it from our proceeds. \n\nOn the phone with the banks representative XXXX XXXX and XXXX XXXX both assured me when I was making the {$14000.00} payment bringing the account current they were stopping and removing the default charges based on the payment and extension fees. \n\nWe highly suspect the Predatory practices at the very least, and usury and other breaches and unfair business practices or fraudulently attempting to strip us of our equity because theyre the only ones who known all along we had a rehab holdback amount close to {$50000.00} thatd be due to us that they were going to have to return at close of escrow to us they were attempting this scheme as a way not to return what was due to us. \nIts bad enough that we paid interest on that forty-seven thousand and never used it. \n\nWeve attempted to resolve by emailing them plus asking on the phone more than once. \nThe payoff statement they presented at the close of our refinance showed {$31000.00} they demanded labeled as Default Interest Deferred. They later revised that down to {$20000.00} after our mortgage broker and escrow raised questions concerning the amount, validity and legality of their high \" default interest '' charges. We suspect they reduced the amount by {$10000.00} hoping to placate us. Were not the go-away type on {$20000.00}! \nEspecially when weve already paid them over {$130000.00} in interest and fees on an 8.5 % loan we kept for just over 18 months. and theyre trying to steal another {$20000.00} on top of it! How would you feel? \n\nIn addition to reaching out to regulatory agencies were looking for an attorney If you can provide someone with experience suing mortgage companies and whos even willing to sue this as a class action lawsuit that would be helpful. I would bet money based on our experience dealing with these two businesses the practice by Civic Financial is a reflection of a more systemic or systematic issues and a business model of predatory and unethical practices thats even more widespread problem in their organization and the way theyre doing business. \n\nAgain, when we have already paid them over {$130000.00} in interest and fees on an 8.5 % loan, we kept for just over 18 months Meanwhile we need the help of your agency since you have oversight or regulatory powers over their lending business to have them return our {$20000.00}, they overcharged us at COE plus interest, costs, penalties and damages to make sure these rich XXXX pay for stealing from working class people using their clever financial schemes. \n\nOur loan was for close to {$700.00} XXXX dollars and were one of the many clients I imagine they do this to every day. \nClearly these are really bad people the world would be better without. If they were in the right, how come magically {$10000.00} was taken off or went away? \n\nI suspect, these people are violating a ) California UCL, b ) Business Practices, c ) California usury law, d ) Regulation Z and e ) probably Dodd-Frank.","date_sent_to_company":"2019-02-05T22:45:31.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"90631","tags":null,"has_narrative":true,"complaint_id":"3143739","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Civic Financial Services, Inc.","date_received":"2019-02-05T22:33:40.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Despite the States strict usury laws this company seems to be claiming they can charge an interest <em>rate</em> of 17 % disguised as default <em>rate</em> even after they accepted our note payments along with plus two separate loan extension fees that brought the account current. The confusion began after our refinance did not close as promised which Civic knew they entire time we had been working on."]},"sort":[13.366133,"3143739"]},{"_index":"complaint-public-v1","_id":"7023299","_score":13.30755,"_source":{"product":"Debt collection","complaint_what_happened":"The company is LVNV funding. \n\nI first became knowledgeable of this company in XXXX, early XXXX when they attempted to sue me and filed a lawsuit in Texas. This was not a state that I had currently lived in yet, but I had started to forward mail there as I was going to move there in XX/XX/XXXX. \n\nThe address that I was moving to received the summons, and thats when lawyer started to contact me. After doing some research, a period of time has passed, I reached out to LVNV as well as attorneys All along Ive declared that this debt is not mine. \n\nWhen I called the courts, as time was closing in, they later, said that the case was dropped, and then maybe within a month or two it was deleted off my credit report, only to find itself on my credit again only a couple months later All during this. I had also applied for a passport, a US one, in which it took me nine months to get it, and which even the state department acknowledge that theres some identity theft going on with my particular name and information so clearly this had returned again with my identification issues, a previous issue that I had with someone who was utilizing my identity in XXXX, Oregon many years ago, not sure if this is the same exact case. \n\nAt any rate, I have contacted this company multiple times and ask them to send a verification letter or validation of death or whatever language that is utilize so I can file a police report Ill go through the necessary steps because this is a {$3000.00} plus debt that is on my credit that is destroying my credit, now I have a couple other things that are on my credit that I own up to, but this does not belong to me I called them as recently as three months ago they said that they were sending out, then I called him two weeks ago and they said that they should be in 5 to 7 business days. So I didnt get it within the pre-5 to 7 business days so I reach out to them again today and they said that Ill get a 24 to 48 hours, I asked her do you have any record of it being sent out before, she said no. \n\nI am doing my best to work with this company to figure out what the XXXX is going on, pardon, my language, but this is ridiculous that they are slow responding for me to get this issue resolved, meanwhile, they have no problem every month reporting that this is debt when I know for a fact that this debt does not belong to me. I dont know what else to do, but these collection agencies should be held to a high standard in terms of going after people who have debt, especially when all Ive been doing, is trying to go through the steps that have been advised to me by multiple credit, bureaus and information on the Internet to get this resolved, if it was to be my debt that I could pay it, but Im not gon na pay for something that does not belong to me and could be an issue of identity theft, like the state department found out, and what happened when I was in college Like I said, I can own up to my debt that I owe as I have two other collections that are on my credit, as well as a charge off, I have seven credit cards that Ive worked very hard to improve incorrect my credit, but this account with this huge amount of that absolutely does not belong to me and I dont want it on my credit report if it does not belong there","date_sent_to_company":"2023-05-24T21:06:24.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"10301","tags":null,"has_narrative":true,"complaint_id":"7023299","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2023-05-24T20:52:20.000Z","state":"NY","company_public_response":null,"sub_issue":"Sued you in a state where you do not live or did not sign for the debt"},"highlight":{"complaint_what_happened":["I first became knowledgeable of this company in <em>XXXX</em>, early <em>XXXX</em> when they attempted to sue me and filed a <em>lawsuit</em> in Texas. This was not a state that I had currently lived in yet, but I had started to forward mail there as I was going to move there in XX/XX/<em>XXXX</em>. \n\nThe address that I was moving to received the summons, and <em>thats</em> when lawyer started to contact me."]},"sort":[13.30755,"7023299"]},{"_index":"complaint-public-v1","_id":"3530951","_score":11.72863,"_source":{"product":"Student loan","complaint_what_happened":"In XXXX, I became permanently XXXX and was on XXXX by XXXX. I never got anything in the mail until after my whole ssdi check was taken by law firm stating default on loan payments and until paid they will be taken out of my ssdi and i got on the phone and spoke to this law firm and they told me i was defaulted on A loan when i was actually in Forbearance, so after XXXX and more stress and worried about living without a check, they talked to me for hours and finally allowed XXXX month taken out of my bank account since XXXX and when they sold it to another company which then was XXXX XXXX XXXX they continued to take XXXX but i still got calls from those companies stating interest and fees Ill never pay the XXXX loan off and i would say well you said u dont have anything for those who are permanently XXXX like my other loans each time said no this is completely different So in XXXX my account should have dropped plus i noticed it was not and hasnt been showing on my credit report that i have a loan or made payments monthly since XXXX. \nAlso when i discovered that this loan absolutely could have been written off i called and first i asked if they had anything to help some type of program for permanent XXXX she said no thats when i said well my lawyer said incorrect then she said oh Ill mail it to you now and i said i already mailed it in and reported you to the department of education and consumer complaints and 4 months later loan sold off to another company and they stopped taking money out of my account - i got calls from collection agency stating i owe on this loan i have not paid anything since XXXX and its been in default for A while which is not good for your credit. I said i have no idea what your talking about send me information and i also said this has been paid on since XXXX and current. He said no u are in default you stopped paying on this loan in XXXX and now we are attempting to collect. Then explained Im permanently XXXX and this should have been written off and they said well you really want to put this on your dad to pay he is your co signer i said he is permanently XXXX and has been my whole life so good luck but wanted money from me and i refused. \nI got 2 letters in the mail one for me and my dad offering us each to pay XXXX and one of us who takes the settlement will be removed from this and then the other one repays the loan and if agreement to settlement then we can not discuss any claims or actions and they will not take any liability for any claims made against them. \nAgain they also have never had proof on my credit report that i paid on time since XXXX of XXXX which is when they sold it and stopped accepting payments. \nXXXX was when they had A debt collection lawsuit hired law firm and took my whole ssdi check Collection letters, high interest rates and fees also harass me about more money and i even told them i have XXXX and i can not be stressed out that many times Ive had one on the phone and also sent to the hospital over loan in fear i was in legal trouble Was never given any options and now i have XXXX XXXX XXXX XXXX calling and sending letters on behalf of Navient My bank account will prove that i never stopped paying and it was taken out monthly Also credit report shows nothing of this loan or debt owed or paying monthly - nothing at all.","date_sent_to_company":"2020-02-13T15:54:48.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"03053","tags":null,"has_narrative":true,"complaint_id":"3530951","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2020-02-13T14:17:15.000Z","state":"NH","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["<em>XXXX</em> was when they had A debt collection <em>lawsuit</em> hired law firm and took my whole ssdi check Collection letters, <em>high</em> interest <em>rates</em> and fees also harass me about more money and i even told them i have <em>XXXX</em> and i can not be stressed out that many times Ive had one on the phone and also sent to the hospital over loan in fear i was in legal trouble Was never given any options and now i have <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> calling and sending letters on behalf of Navient My bank account will prove that i never"]},"sort":[11.72863,"3530951"]},{"_index":"complaint-public-v1","_id":"8317387","_score":10.377863,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Dear Sir/Madam, I am writing to bring to your attention a distressing situation involving unfair lending practices by Navy Federal Credit Union ( NFCU ). As a consumer, I feel compelled to report this matter to the appropriate regulatory authority in hopes of finding a resolution. \n\nIn XXXX of XXXX, My husband and I, both XXXX XXXX, applied for a car loan from NFCU to purchase a new vehicle after being preapproved for another vehicle just days earlier. After discussing our options with an NFCU representative, we were advised that applying for a loan to purchase another new vehicle would be the best way to secure a higher loan amount. Relying on this guidance, we proceeded to apply for the loan to purchase a new vehicle. \n\nInitially, we were pre-approved for a {$60000.00} loan at an interest rate of XXXX XXXX. \" We are a family of XXXX, relying on a single income to support our household. With XXXX children involved in traveling sports and one in XXXX, our financial responsibilities are substantial. Adding to our expenses, our auto insurance premiums are exceptionally high due to having XXXX XXXX  drivers and another soon to be licensed. Given our circumstances, we pay close attention to our finances and we meticulously plan. After careful consideration and calculation, we finalized our budget to ensure manageable monthly payments. We engaged in negotiations with the car dealer to secure the vehicle for precisely {$38000.00}, not a XXXX more, even though the approval was for much more. \n\n\n\nWe secured a deal that would allow us to keep our payments within that predetermined range and the car happened to be used but still under factory warranty. However, upon discovering that we decided to purchase a used vehicle, NFCU increased the interest rate to XXXX XXXX despite our excellent XXXX scores and financial history. There was no explanation or justification for this sudden change in terms which we found unexpected and unacceptable since it placed our payments back into the payment range of a new vehicle. NFCUs used car rates for XXXX XXXX start at XXXX XXXX XXXX XXXX is a far cry from XXXX, resulting in over a {$100.00} per month increase and thousands over XXXX XXXX. If individuals with our income, credit history, and scores get rates this far from the starting rate, it raises questions about the veracity of the advertised rates and the potential for false advertising. \n\nTo add insult to injury, I kept getting offers from XXXX XXXX and other sites to refinance my XXXX XXXX loan. I knew I didnt have this rate anywhere but I am concerned about why the sites were associating this rate with my loan. While the bank reports an interest rate of XXXX XXXX for XXXX XXXX on my {$38000.00} loan, their calculations suggest that I am actually paying XXXX XXXX, as indicated by these credit monitoring services like XXXX XXXX. This loan is showing on my credit with a balance of {$38000.00}. On NFCUs site, it is {$38000.00}, the original cost of the vehicle plus GAP insurance. These discrepancies are confusing and concerning. \n\n\n\nBoth of these auto loans are reported as XXXX XXXX instead of the agreed-upon XXXX XXXX, which seemingly allowed for a higher interest rate. I understand that some lenders offer a grace period of 30-60 days before the first payment is due after the loan is processed, effectively extending the effective term of the loan. However, it's essential for lenders to accurately report the terms of the loan to avoid confusion and ensure transparency for consumers. I would appreciate clarification on why the loan term is reported as XXXX XXXX and confirmation that it aligns with the terms agreed upon in the loan agreement. It is especially disheartening to have this many unanswered questions when doing business with NFCU, an institution that explicitly targets its services to veterans and those affiliated with veterans. \n\n\n\nTo add more context to our complaint, when I was approved for the loan before the one in question, I was given an interest rate of XXXX XXXX instead of the advertised lowest rate of XXXX XXXX for XXXX XXXX. When I inquired about it, the NFCU representative informed me that I was being penalized for not having all of my accounts with NFCU. This practice seems unjust and against the principles of fair lending especially since I cant find that rule in writing anywhere. I believe this action violates the Equal Credit Opportunity Act ( ECOA ), which prohibits creditors from discriminating against credit applicants based on factors such as not having all accounts with a particular creditor. Penalizing a borrower for not consolidating all accounts with NFCU is an unfair and discriminatory practice that should not be tolerated. \n\nI would like to also bring to your attention that there are numerous complaints similar to mine on the XXXX XXXX XXXX XXXX XXXX XXXX site and various social media platforms. It appears that these complaints have gone unanswered, potentially indicating a pattern of disregard for consumer concerns by NFCU. As a large entity with substantial resources, NFCU may feel insulated from the repercussions of dissatisfied consumers. This raises serious questions about the effectiveness of existing mechanisms in holding such entities accountable. It is troubling that these complaints appear to have gone unanswered, suggesting a lack of accountability and responsiveness on the part of NFCU. \n\nAttempts to address this issue with NFCU have proven futile, marked by resistance and apathy. Their responses were blatant and dismissive. Despite our persistent inquiries and discussions with managers, we have been met with a steadfast refusal to provide a satisfactory explanation for the substantial hike in the interest rate and quick retorts that the rate would not be changed. It is frustrating that the only answers given about the used car loan 's unfavorable rate were the credit history of either borrower ( both of our histories are completely green ) or credit score ( both were in the upper XXXX or lower XXXX and have been for years ). When I contested this information, no one could give a clear answer for the sizeable change except that the underwriters have their own reasons. Such information should be easily accessible to consumers. The lack of transparency from NFCU has been glaring, with vague and unsatisfactory responses such as \" Thats not my area '' or \" Im not sure what information they use. '' This evasiveness leaves consumers feeling frustrated and powerless, as pertinent information seems to reside solely in the minds of NFCU personnel, rather than being accessible in writing or comprehensible to us as consumers. \n\n\n\nDuring the first 30 days of the loan period, I contacted NFCU multiple times to discuss returning the car, as I was uncomfortable with various aspects of the agreement. However, NFCU refused to accept the car back, stating that they are not a dealership and could not facilitate the return. When I inquired about voluntary repossession, NFCU recommended against it, stating that it would negatively affect my credit. I felt trapped between a rock and a hard place, with NFCU holding all the cards and refusing to provide any reasonable solutions. NFCU 's response to my efforts to relinquish the vehicle was inadequate and nonsensical. They recommended that I return the vehicle to the dealership, despite the fact that the dealership had already been paid and the vehicle 's value had already depreciated since the time of purchase. This suggestion offered no practical solution and further compounded the frustration and distress caused by NFCU 's unfair treatment. \n\n\n\n\n\nAs victims of identity theft in the past, we understand the importance of safeguarding our financial well-being. It took almost 15 years to overcome the consequences of identity theft, including a short sale of our home and freezes on our taxes. We can not afford to be in that situation again. As XXXX XXXX  consumers, we are keenly aware of the systemic disparities we encounter in the financial landscape, and as XXXX XXXX, we are particularly attuned to the predatory tactics targeted at our community. Prior to our interactions with NFCU, we prudently steered clear of unnecessary debt, opting to purchase vehicles outright with cash for many years. We entered into this transaction with the expectation of a seamless process, having meticulously attended to every detail. Instead, our confidence in NFCU as a reputable financial institution has been shattered by their deceitful practices. It is evident that NFCU 's actions are not only unjust but also lacking in basic regard for consumers, their rights, or fair treatment. It is profoundly disheartening to realize that despite our meticulous efforts, we have fallen victim to the unjust lending practices for which NFCU has gained notoriety, including its involvement in class action lawsuits related to disparities and deceptive debt collection practices. Now, we are forced to take a hit to our credit because we need to refinance with a different lender to avoid being deceived again. It's unfair that our credit, which is our resume to lenders, is tarnished by a major organizations deceptive practices, leaving us with limited options and additional financial hardship. \n\n\n\n\n\nThe credit union is aware that we did not sign or agree to the terms outlined in the promissory note. Despite this, they sent a letter asserting that by signing the promissory note, we have implicitly accepted the potential imposition of a statutory lien on our share accounts. This assertion is troubling, particularly considering the previously discussed loan where we were not offered a lower interest rate on a previous car purchase, allegedly due to our lack of share accounts with NFCU. Meanwhile, NFCU has also sent correspondence implying that failure to sign the promissory note may result in adverse consequences, including the potential loss of the vehicle. However, according to legal principles, both parties must agree to the terms of a promissory note for the deal to be valid. As of now, we have refrained from making any payments on the vehicle, bringing us perilously close to the 30-day late mark, which could adversely impact our credit score. We are faced with a dilemma : whether to acquiesce and pay, seemingly agreeing to terms under duress, or to withhold payment in protest, risking credit damage and accruing late fees.\n\nWithin this letter, I believe I have listed violations of several consumer protection laws, both at the federal and state levels. In Texas, consumers are protected by various statutes and regulations aimed at preventing deceptive practices and ensuring fair treatment in lending transactions. The Texas Finance Code, for instance, contains provisions that prohibit unfair or deceptive acts or practices by lenders. The Truth in Lending Act ( TILA ) requires lenders to disclose all terms and conditions of a loan, including the annual percentage rate ( APR ), in a clear and transparent manner. Additionally, the Equal Credit Opportunity Act ( ECOA ) prohibits discrimination based on race, color, religion, national origin, sex, marital status, age, or because an individual receives income from a public assistance program. Moreover, as veterans, my husband and I are entitled to specific protections under federal law, including the Servicemembers Civil Relief Act ( SCRA ), which prohibits discriminatory and unfair treatment of veterans in financial transactions. It's essential for lenders to adhere to these laws and ensure that consumers, especially veterans, are treated fairly and afforded the protections they deserve.\n\nI am doing my part as a citizen and acting as an important prong in the American constitutional concept of checks and balances by reporting this, as consumers often find themselves weary and exhausted by feeling small in administrative predicaments with big companies that lord over them with long money and better lawyers at their disposal. I hope that my efforts are not in vain.\n\nIn light of these circumstances, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to hold NFCU accountable. Additionally, I would appreciate any guidance or assistance you can provide in resolving this issue and protecting consumers from similar experiences in the future. \n\nThank you for your attention to this matter.","date_sent_to_company":"2024-02-09T09:27:05.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"78109","tags":"Servicemember","has_narrative":true,"complaint_id":"8317387","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-02-09T08:58:30.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Changes in terms mid-deal or after closing"},"highlight":{"complaint_what_happened":["Initially, we were pre-approved for a {$60000.00} loan at an interest <em>rate</em> of <em>XXXX</em> <em>XXXX</em>. \" We are a family of <em>XXXX</em>, relying on a single income to support our household. With <em>XXXX</em> children involved in traveling sports and one in <em>XXXX</em>, our financial responsibilities are substantial. Adding to our expenses, our auto insurance premiums are exceptionally <em>high</em> due to having <em>XXXX</em> <em>XXXX</em>  drivers and another soon to be licensed."]},"sort":[10.377863,"8317387"]},{"_index":"complaint-public-v1","_id":"4297694","_score":10.033603,"_source":{"product":"Mortgage","complaint_what_happened":"I am submitting a complaint against Amerisave Mortgage company for practicing unfair, deceptive, and fraudulent acts during the loan process and closing of the refinance of my home. The actions of Amerisave during the loan process and the closing have caused me financial harm and put me at risk of losing my home. All the emails that are mentioned below are attached to support this complaint. \n\nXXXX XXXX I contacted Amerisave in response to an advertised refinance rate for my home. I was transferred to their employee and agent XXXX XXXX ( XXXX ). He asked me questions about income, work history and my credit score. I told him the last time I checked it was XXXX. He asked if he could pull my credit. He informed me that my score was only XXXX and I would not qualify for the advertised rate. I found it strange that my credit had changed so drastically and I expressed this to him. He said dont feel bad most people dont know their credit score but, I am looking right at it and that is what it is being reported He quoted me the interest rate he said would be available to me which was considerably higher. I asked him for the Loan Estimate and he said his company does not provide that because they are not going to do a lot of work just to have me take it around to other lenders unless I applied and paid a {$500.00} fee I would not get it and the rate would not be locked anyway. I told him I had never heard of this and that I had loans with XXXX and I dont ever recall a fee. He said some companies do that and some dont but Amerisave charges an application fee. I told him I was going to call XXXX to see if that was their policy. Using high pressure tactics he let me know that the rate was really good and if I took the time to call XXXX the rate may not be available because it was XXXX XXXX and rates change at XXXX everyday and they had been increasing over the last weeks. He said, listen I know you need this loan and my manager just approved to only charge you {$200.00} to lock the rate. He billed my XXXX and issued a receipt. I asked to get a copy of the Loan Estimate and a document that showed the rate was locked. After quite some time of him telling me he was having difficulty processing the documents he informed me his IT department just let him know XXXX has an outage and it should be fixed shortly. I told him I had to leave and to please just send it this evening when XXXX is working. \n\nAn hour later I get a message from an appraiser to set up an appraisal on the XXXX. Believing I would have the LE I set the appointment. Later that same evening I still had not received the LE only a partial screenshot reflecting a rate lock with no interest rate or loan amount. The message from XXXX stated that his manager was able to lock you ( email attached ) XXXX XXXX I requested the LE again. XXXX  responded by sending another screenshot of the loan being in process. Later that evening I received a request for documents that included a Georgia Acknowledgement of Receipt of Loan Estimate. I did not sign it. I emailed XXXX to let him know I would not sign it because I still had not received the LE and requested it again. \n\nXXXX XXXX An appraiser was scheduled to be at my home at XXXX. I called XXXX to let him know I wanted to cancel the loan and to tell the appraiser not to come to my home. No response. I called Amerisave and his Sales manager answered and I told him to cancel the loan and cancel the appraiser because I had not received the LE that I was supposed to have 2 days ago prior to them charging me any of the fees they charged on my XXXX card. He said, oh you dont want to do that XXXX will call you in a moment. XXXX called and said he was sorry he thought he sent it and would send it right over. He also let me know that backing out of the loan was a bad idea because interest rates had gone up, that the {$500.00} was non-refundable and they had already started working on my loan and I would incur expenses related to that work. At this time I have a worker I hired knocking at my door and the appraiser. I asked the appraiser for his card and he said he did not have one but, that he had been sent to my home by Amerisave. I let him in and watched him as he went through my home. The only thing he did was snap some pictures, did not take any measurements or inspect the outside balcony decking.. I found out during this time from a friend that typically, on a refinance, inspections are not required. I thought this was strange and it raised a concern. It prompted me to suspect that the Appraiser was somehow affiliated to Amerisave. After the appraiser left I checked my email again and there was no LE that XXXX promised was being sent. I called him. I asked him who the appraiser was that he sent to my home because he didnt present a card or anything to identify himself or his company. I asked if he was affiliated with Amerisave. His answer was no we just dial an XXXX number and they assign an appraiser He continued and let me know it would be illegal to have an appraiser that was affiliated to the lender. Then I let him know I still had not received the LE. He said he didnt know why I hadnt received it because he emailed it. He said that you must be having problems with your email. That was not the case as I had been receiving all emails from all over the country. He said well give me a different email and I gave him a gmail account. I received it and told him I would look it over and if I had any concerns I would let him know. Upon reviewing the LE it showed the rate was not locked. It also had a disclosure page that stated that the appraisal company was affiliated with Amerisave and the title company that was processing my loan was also an affiliate. When I brought this up to him in a subsequent conversation he claimed he was ignorant to that fact and was surprised to hear it. He also became nervous and defensive and said he felt insulted that I would even ask such a question or have a concern about the rate lock when he had already told me the rate was locked. He didnt know why I would be concerned because he had my back. \n\nI became very uncomfortable with the entire experience and I went and researched Amerisave. I found out that they had been ordered to pay XXXX XXXX dollars by the CFPB for the same unfair and fraudulent practices that I was experiencing. I also discovered there were numerous and common complaints that were being reported by other consumers. \n\nXXXX XXXX I received a solicitation from Amerisave which stated that I Amerisave had purchased my credit history and based on that I qualified for a special mortgage rate. I looked at the rates and they were very low. I contacted XXXX and he said I would not qualify because of my credit score. I looked at my credit score history that is monitored by XXXX XXXX and XXXX XXXX  with the 3 credit bureaus Amerisaves credit agency, XXXX XXXX, received the scores that they supplied to Amerisave and that Amerisave used to determine my interest rate on XX/XX/XXXX. On that day my scores were about XXXX points higher than what Amerisave claimed it was. I called each of the 3 credit bureaus and asked if it was possible that XXXX pulled my credit and was given different scores than XXXX XXXX and XXXX XXXX  would have received. They each agreed that it was not possible for them to give different credit scores to different companies on the exact same day. \n\nXXXX XXXX I received my closing disclosure and I saw things that were different than the loan estimate and that I did not understand. I reached out to XXXX and Amerisave and no one would return my call or if I did get someone they said the only person who could help me was XXXX. I called XXXX XXXX a credit counselor at HUD and she didnt have an answer to the questions regarding the disclosure and the changes. She and I got on a three way call to get clarification from Amerisave. We kept being told by their representatives that they couldnt help and they transferred us to different employees who said they couldnt help. Finally we were transferred to the general mailbox and Ms. XXXX left a message requesting someone to call back. \n\nThe next day I received a call from CS and he explained there were some mistakes on the Closing Disclosure and to expect a new one. I asked him why there were 13 months of cushion impounds for taxes and insurance when those were being escrowed in the monthly payment. He said it was a mandatory requirement of the loan. \n\nXX/XX/XXXX & XXXX I called Amerisaves closing attorney because I had questions about the closing and I wanted to review all the documents that were going to be signed at the closing. They did not return my call. To this day I have never had any contact from them. \n\nXXXX XXXX I was advised that a notary would be handling my closing although I had signed a document agreeing to a video closing with the attorney hired by Amerisave XXXX The closing was scheduled at XXXX and I received an email with the closing documents at XXXX and the file was corrupt and I could not open it. I called the attorneys office and received no response. I sent an email as well. The notary arrived, XXXX XXXX. I asked if she was the attorney handling the closing and she said she was not an attorney. I asked how we were going to do the video conference and she said we didnt need to because in Georgia a notary can conduct a closing if I had a witness, which I did. It is my understanding that this is a violation of the State of Georgia real estate law requiring a residential real estate closing transaction to be held by the closing attorney either in person or video closings have been temporarily permitted. I asked her questions on things I didnt understand and she said she could not comment because she was not an attorney. I also asked her if the 13 months of additional impounds were mandatory even though I was paying an escrow amount in the monthly mortgage payment. She did reply to that and said yes it was required. I am not financially sophisticated but later I realized Amerisave did this to pad the loan and also to take advantage of the fact that the state of Georgia has no law regarding an accounting of the escrow cushion. So, I have no idea where that money is held or if I can get it back. I still am not clear what practice was used to discriminate me to pay this fee when it is not a standard practice for all Amerisave 's refinance loans. I told XXXX XXXX I wanted copies of the documents I signed but she said she didnt bring a printer but that she would email them to me when she got back to her office. She did not. I called her number and left a message and I called the attorney and again, no response. I reached out to Amerisave to provide the documents and they overnighted them on XX/XX/XXXX. \n\nXXXX XXXX The loan was supposed to be funded on XX/XX/XXXX and I did not receive the funds that day.. I called Amerisave and they said they would look into. They got back to me on the XXXX and said that I gave them the wrong bank routing number. Thats impossible because I gave XXXX XXXX, their notary, a copy of a blank check from my check book. \n\nXXXX XXXX The funds were wired into my account. Amerisave has charged me interest from the date they were supposed to fund the loan, XX/XX/XXXX and did not return the interest for the days they failed to fund the loan up until the XXXX. \n\nXXXX XXXX I received an email from Amerisave that they have transferred my loan to XXXX Mortgage who has as many complaints and lawsuits as XXXX. Most of the complaints are about the loss of escrow money and the mismanagement of it, which is probably another reason XXXX asked for the excessive impounds. There was no reason for the impounds. My credit history is excellent and my LTV is 70 %. I believe XXXX will transfer my loan as I have learned this is how consumers are scammed into a foreclosure. I am seriously concerned about losing my home. \n\nXXXX XXXX Amerisave collected my payment for my homeowners insurance and put it in escrow. Today XXXX informed me it has not been paid for the month that Amerisave is supposed to pay and they will be collecting the money from me. I am concerned about the mismanagement of my escrow money and the excessive cushion impounds they collected and have not provided me with any accounting of. \n\nThe deceptive and fraudulent acts by Amerisave have caused me harm financially because they omitted information or inaccurately reported information. I have not been able to clearly understand this transaction. The fabricated credit score information caused me to pay a higher interest rate. Amerisave handcuffed me to this loan by their fees and misleading me to believe I would have to pay all services if I backed out of the loan. The deceptive omissions, unfair treatment and untimely delivery of information by Amerisave left me in a disadvantaged position to make sound choices in this transaction and for securing it with my residential home with this predatory lender. \n\nThey have not followed the Federal regulations set in place in at the very least the requirement to give the loan estimate before charging me any fees and for not disclosing their relationships. prior to taking my money. Although they were penalized by the CFPB they continue to use bait and switch and take advantage of consumers.\n\nIn the State of Georgia it appears they violated the real estate law that requires closing to be done in person with the closing attorney. I will also be filing a complaint with the State of Georgia Consumer Protection.","date_sent_to_company":"2021-04-14T20:07:55.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"30080","tags":null,"has_narrative":true,"complaint_id":"4297694","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERISAVE MORTGAGE CORPORATION","date_received":"2021-04-14T19:15:27.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I told him I was going to call <em>XXXX</em> to see if that was their policy. Using <em>high</em> pressure tactics he let me know that the <em>rate</em> was really good and if I took the time to call <em>XXXX</em> the <em>rate</em> may not be available because it was <em>XXXX</em> <em>XXXX</em> and <em>rates</em> change at <em>XXXX</em> everyday and they had been increasing over the last weeks. He said, listen I know you need this loan and my manager just approved to only charge you {$200.00} to lock the <em>rate</em>. He billed my <em>XXXX</em> and issued a receipt."]},"sort":[10.033603,"4297694"]},{"_index":"complaint-public-v1","_id":"5234054","_score":9.284429,"_source":{"product":"Student loan","complaint_what_happened":"While looking online, the site for XXXX made it clear that it was a very prestigious academy and gave the impression that only high calibur students would be accepted into the programs. XXXX was owned by the now defunct XXXX XXXX XXXX. \nI decided to visit the school for a tour and was given the same impression by my guide who also informed me that all of the instructors were in the top tiers of their respective fields and it would be a privilege to be able to learn from such a high skilled group of educators. I was told that an education from this school would give me opportunities I would never otherwise have. \nI was elated when I was accepted, especially since I felt I might not qualify. \nThe educators were horribly unprepared and under qualified. The classes were painfully simple, and while applying for jobs, I was informed numerous times that my degree from XXXX didnt qualify me for any of the work that was available. It was embarrassing. I actually only received my associates instead of the XXXX I was initially aiming for because I didnt want to spend anymore money on such a terrible education. \nI had been told that my credits would transfer, I had no reason to think any differently. I simply assumed it had to be true otherwise the XXXX XXXX XXXX wouldnt back the school. It wasnt until I tried to apply to a junior college to finish my degree and actually get an education, that I learned none of my credits would transfer. I cant say I was surprised. The education they gave me was so subpar. It wasnt until later when I read about all the lawsuits and accrediting issues XXXX and other for-profit schools had, that I realized I wasnt the only person in this perdicament. XXXX made the dept of education believe that the money they were lending students was going towards an actual education I felt rushed to make a decision. Therefore, I wasnt really provided the opportunity to do additional research based on what I had been told during my visit. I had to pay in advance for my application to be processed. I dont recall the amount, but I do remember it was non-refundable and it cost enough to further the impression of prestige. \nWhere to begin.. The initial excitement at the prospect for informative, and career making internships faded pretty quickly. For every internship location, there were at least 20 different students all applying for the same spot. Venturing out of the schools very limited preferred network meant there wouldnt be any credits given. If you didnt get a spot, you had to wait until the next term to try again. And if you werent able to snag a spot during any of the internship feeding frenzys, then you werent able to graduate until you had. I was one of the lucky ones who was able to get a spot after quitting my paying job to make time. the company I did intern with taught me very little and mostly sent me out for coffee or had me work as their receptionist. \nOf the several \" design teachers '' I had, there was only one whom I felt had any merit. I confided in her about my disappointment in the education I was receiving, and she echoed my concerns ( as well as the concerns of many of my fellow classmates ) however, she insisted there wasnt anything she could do. The other instructors it seemed, as though they taught kindergarten art class before coming to work at XXXX. The classes were a breeze, the tests were a joke. I didnt feel challenged in the slightest. Even the courses that should have been more technical, felt like beginner art classes. \nOf course in an attempt to keep loan totals down, I wanted to work as much as I could. When visiting \" career services '' for any potential job leads, I was told that not only were there not very many jobs available, but the only ones they were aware of were part time jobs at coffee shops. But I needed a living wage. I had mentioned that I was proficient in the automotive industry and suggested maybe they could find me something in that regard. I was told in not so many words that that wasnt the type of work they would look into for me. So I found my own job. Which leads me into how my school misrepresented how often and when courses would be available. \nMany of my courses for the most part were offered in the evening which made it easier to work full time while I attended school. I had found a full time job at a motorcyle shop, and after work, I would head to my classes. Then suddenly classes were no longer offered at night. Enrollment had dropped so significantly that the school couldnt justify teaching day and night courses. I had to quit my job because I suddenly had a class at XXXX, one at XXXX, and one at XXXX. This meant I had to take out private loans to cover living expenses because there was no form of assistance offered through XXXX. This one, single, simple form of misrepresentation has lead me down a path of financial ruin that I am still trying to dig myself out of to this day. \nThe only course I had a prerequisite for was XXXX and that was XXXX  I was able to graduate without retaking courses I withdrew from, and failing an online class that I didnt bother to withdraw from after my internet was cut off at home. \nAs if getting an internship wasnt difficult enough, trying to get assistance to get employment was even more challenging. Despite asking for help on multiple occasions, I was told job listings would be emailed to me but they never arrived. I had applied for several jobs on my own, however my degree turned out to be more of a burden than anything. Once again, being told that my education with XXXX doesnt qualify me for any positions available. I couldnt even use my school, or my teachers as viable references. There was absolutely no support after my graduation. There would be no additional certifications because as far as the rest of the world was concerned, I didnt have the education necessary. They had \" endless connections '' to help me find work, but they never presented themselves. And once I moved out of the XXXX area, they blatantly told me they couldnt help me despite insisting they had connections all over the country. And I was roped into private loans because I was told not to worry about not being able to get a job while in school, once I graduated I would make enough money to have my loans paid off completely within 5 years During my initial tour, the guide told me that the school had a very high employment placement rate. I was also informed by the admissions counselor and the career services center that they were very well respected in the country and I would be able to go anywhere with my degree and get a high paying job. They also had contacts throughout the country through their other campus 's and would easily be able to find me a job wherever I decided to persue my career. \nAside from the website touting such a high success rate, when asking for employment opportunites to be provided to me, I would be informed via email that either there were no jobs available, or they would pedal the same part time coffee shop type positions that had nothing to do with the degree I was persuing. \nAfter I left the school with an XXXX in applied XXXX and moved back to XXXX XXXX, I would both call and email trying to get new job prospects. I would be told over the phone that they wouldnt be able to find me anything in the XXXX XXXX area because that was out of their operating range. \nI stopped trying to get a job in my field a long time ago. Even when I would get an interview with a design firm, I would be told that I didn't have the education or the experience neccessary to get a paid position. I was told that my degree wasnt useful and it would be suggested that perhaps I go to a real school if I wanted a career in the industry. I stopped listing my school and my degree on resumes and I currently make enough to pay my bills in the automotive industry. I'd like to go back to school, but with the student loan debt I'm buried under, I wont ever be able to. \nI had been told that they would be able to get me into an entry level design position during the day so I could take classes at night. It sounded perfect. But thats not what happened. After landing my position at the motorcyle shop, I was able to work full time during the day until the following term. Then because enrollment was dropping, classes weren't being taught at the same frequency so night classes were no longer offered to me. I had to leave my job in order to attend classes during the day. which prompted me to take out private \" student '' loans in order to help cover extra school costs and living expenses. \nI was told that an XXXX would cost XXXX XXXXXXXX, and a XXXX would cost XXXX XXXXXXXX I believe. This would include books and materials. Since there wasnt on campus living, I would be responsible for finding housing but they would help me find employment to help with rent. However.. not only were books and materials not included in tuition costs, but the list of required books and materials wasn't even updated or complete. XXXX class listed a specific version of a book, while the teacher read and attempted to teach from a different version. So we all had to purchase this other version in order to keep up with the teachings. Another class was listed to require a {$250.00} materials sample kit which was never used because the teacher had no clue about the kit or how to encorporate it into the class. And obviously they never bothered to help me find employment, that was solely on the students shoulders. They then removed night classes from the schedule due to dropping enrollment, so any full time working students had to decide between working or furthering their education, myself included. This led to private \" student '' loans being taken out to cover living expenses and additional school costs. I was assured these loans would be simple to pay off too, and even though I needed cosigners, I was told as soon as I graduated and started working, my cosigners could be removed. My dead grandmother is still listed as a cosigner because Navient will not release her or my mom. \nThey told me that they were accredited and highly respected, and that any credits I earned would transfer anywhere. They even made a special point in saying this, stating it was because I would need to periodically refresh my training in order to meet new technology and trends. Makes sense for any profession. They also noted that if I were to go back to XXXX in order to keep abreast, there would be no additional charges or fees. But XXXX no longer exists and the math credits from there aren't even transferrable. \nWith everything that I had come to be disappointed with regarding XXXX, after having to leave my job and take out additional loans for living expenses and surprise school costs, I thought it might be best for me to use those additional loans to transfer to a community college to get an actual education. It was while initiating that process, that XXXX XXXX XXXX XXXX informed me that none of the credits I had earned would be accepted. Dropping out meant I'd have to start making payments immediately, but if I graduated, I'd have 6 months to figure something out before payments would begin. So I stuck it out to get a worthless associates. \nIt was made so abundantly clear by every member of the staff that students would have countless resources at their disposal for employment, including job placement, exclusive references, as well as a highly coveted and respected degree. They would refer to popular shows and hosts on XXXX or XXXX, implying that members of those crews either graduated from XXXX or that they would reach out to them to get us employed if that was the path we wanted. All I wanted was to work at a firm that specialized in eco-friendly design. Not only could they not get me an internship with any level of merit, but when I had asked for help finding employment, the only weight they pulled was with a coffee shop across the street. \nI've never had a job outside of the auto industry, which I was trying to escape by going to school. I want to go back to school, but I can't afford it. I cant buy a house because of my student loans. I've spent years struggling with XXXX and almost had to be admitted to the hospital for malnutrition because I couldnt afford to eat. My car insurance would lapse, my registration would expire, I've sold personal belongings just to pay rent, I've stolen food, lived in my car, had my phone cancelled, medical bills went to collections, I sacraficed my social life and well being because I never had money for gas or food. Because I have both federal and private loans, I have had to pay on my private loans in order to not destroy my moms credit or have navient go after her. I've wanted to end my own life more times than are even fathomable because I have felt so weighed down by debt and XXXX, but Navient would come after my mom if I died. \nI asked for help finding a job shortly after moving to XXXX for school. The career advisor gave me a small list of part time job opportunities that they could get me in to. They were all with coffee shops or restaurants within a XXXX mile radius. I said that those wouldn't work for me, so I was directed to a room of computers to look for a job myself. And then again after I graduated, I asked for help and was told that they didnt have any contacts in XXXX XXXX XXXX I had moved back to. \nAnd if all of that wasn't bad enough, XXXX settled a lawsuit applying only to students who were in school at the time of the school closures. To which I didn't qualify. Navient has just settled a lawsuit that was brought against them for their predatory tactics, those of which I have explained above. However, I didn't qualify for that either because I have been making payments due to my family being co-signers on the loans. \nBut wait, there's more.. I filed for XXXX in XXXX to have my federal loans expunged because XXXX had been proven to be a predatory and defunct school. It was denied under XXXX. I am currently part of a lawsuit against the Dept of Ed because of XXXX ' unethical blanket denials. They have no record of my original application. But I did save the denial letter. I am just one person among hundreds of thousands of defrauded students who had their dreams preyed upon by these greedy corporations. Navient needs to be held accountable. The department of education needs to be held accountable. The school I went to had the luxury of going bankrupt. I have been held accountable for the last 13 years, for making the mistake of trusting a system that should have had my back. I have been diagnosed with XXXX because of what Navient, XXXX, and the Dept of Ed have put me through. If something doesn't give soon, I can't see myself sticking around much longer..","date_sent_to_company":"2022-02-18T00:43:04.000Z","issue":"Getting a loan","sub_product":"Private student loan","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"5234054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2022-02-17T23:58:29.000Z","state":"AK","company_public_response":null,"sub_issue":"Confusing or misleading advertising"},"highlight":{"complaint_what_happened":["While looking online, the site for <em>XXXX</em> made it clear that it was a very prestigious academy and gave the impression that only <em>high</em> calibur students would be accepted into the programs. <em>XXXX</em> was owned by the now defunct <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>."]},"sort":[9.284429,"5234054"]},{"_index":"complaint-public-v1","_id":"17339107","_score":8.414511,"_source":{"product":"Mortgage","complaint_what_happened":"To whom it may concern : M & T Bank is a predatory company. They are preying on a XXXX veteran and trying to force me into foreclosure, presumably to take advantage of my VA guarantees afforded through the VA home loan. They seem to be doing every underhanded thing they can to push me into foreclosure.\n\nA few months ago my mortgage was being serviced by XXXX XXXX XXXX  ( XXXX ). An escrow analysis was done and somehow my escrow went up about $ XXXX increasing my payment from around $ XXXX to over $ XXXX. Very close to the same time that my payment went up drastically ( on a fixed rate mortgage ) my mortgage was transferred without my knowledge or consent to M & T bank. The payment increase, the transfer, and the payment in question all happened so close to each other I am not sure in what order they happened. The muddiness of the situation feels intentional. \n\nI was already having trouble affording the $ XXXX on my fixed VA XXXX XXXX ; I cant work due to my XXXX. The first month that my payment jumped to $ XXXX I was having some financial trouble and my wifes church was gracious enough to cover the mortgage that month. They paid by check directly to the bank. I gave the church the paperwork I had at the time which showed the $ XXXX payment owed to XXXX which XXXX what was paid by check. Little did we know that now, apparently, my payment was over $ XXXX and was being serviced now by M & T bank XXXX The {$1600.00} check wouldnt cover the surprise new payment and on top of that I had a roughly {$400.00} taken from the {$1600.00} paid by check to cover escrow backpay. This left roughly {$1200.00} which obviously would not cover the now over {$1800.00} mortgage payment. But instead of applying that remaining {$1200.00} to the balance owed XXXX decided to put it in escrow until a full payment could be made only to promptly transfer the mortgage to M & T bank. They didnt feel the need to tell me this though. I only found this out when at the beginning of the month, only a few days after that months payment was due and still within the 15 day grace period, I got a letter from M & T bank telling me that my mortgage was in default and at risk of foreclosure.\n\nIm in shock because I thought we were only one payment behind and within the grace period for the current payment which I was going to pay without problem within the 15 day grace period. So I immediately confirmed with XXXX that my mortgage was transferred to M & T and then call M & T to find out whats going on. When I called to find out what was going on only then did I find out that the payment the church made was not applied to the mortgage, {$400.00} of it was gone, and {$1200.00} of it was being held in escrow until a full payment of over {$1800.00} could be made ( while they obviously collect interest on the {$1200.00} in escrow ). Due to the transfer I assume this is an honest mix up so I offer to pay the {$600.00} needed to complete the first payment on top of making a second payment for the new month thus getting me back to only one payment behind. This is when they tell me that since I am now magically three months behind on my mortgage and in default I can no longer make a single payment.\n\nM & T Bank tells me that the only way to make a payment on my mortgage now that it is in default is to make two full payments in a single payment. This by itself seems extremely predatory. If nothing else it makes it take longer to make the payment while getting funds together thus allowing M & T to charge a late-fee, and thats even if you can afford to make two payments at once. Why cant we just make a single payment to get out of foreclosure? This is on obvious ploy to push people on the edge into foreclosure.\n\nLuckily for me though, I have the money to make two payments at once. So I ignore the obvious predatory behavior and simply tell them that with the {$1200.00} theyre holding in escrow I can absolutely complete that payment and make another full payment thus equaling the required two full payments. This is when they tell me that, again, since my mortgage is now magically in default, they refuse to release any money from escrow. I tried desperately to explain to multiple representatives that if you release the {$1200.00} youre holding in escrow then I will have enough money to make their predatory double payment and get out of default. But because my mortgage is magically in default now that money is going nowhere. They refuse to release a dime from escrow while the mortgage is in default. They even gave me some kind of tiered system where two full payments will get the mortgage out of default but since it was in default they still wont release any money from escrow until the account is caught up in full, meaning three full payments. Until the loan is caught up entirely they will not release any of my money from escrow and are obviously collecting interest on that money while charging me late fees for missed payments, which wouldnt be missed if the money were released from escrow. All Im able to do is make two full payments to get the mortgage out of default. I didnt have enough to make three full payments which means my {$1200.00} is still sitting in escrow to this day.\n\nThe VA considers me 100 % Permanently and Totally XXXX. I am unable to work and live on a fixed income that barely covers my bills. With {$1200.00} of my fixed income being held hostage until I make a full payment of over {$5000.00} getting, caught up on my mortgage is not very likely. Meanwhile Im still getting charged late fees for missed payments and theyre still making interest on my {$1200.00} in escrow. That {$1200.00} dollars of my money that has been sitting in escrow and collecting interest for about six months now.\n\nWe are in the process of trying to sell the house now, for obvious reasons, which had me looking into the property taxes for my home. They were surprisingly low and nowhere close to high enough to reflect a $ XXXX increase. So I took a closer look at my mortgage statement and apparently the only reason my mortgage went up so much in the first place is because at the same time that the mortgage went up from the escrow analysis ( around $ XXXX to cover tax and insurance increases ) a fee was attached to my mortgage payment. This fee is literally just listed as Other. There is absolutely no documentation or explanation as to what Other means but Im paying $ XXXX for this fee. \n\nThat Other fee is the only reason my mortgage went up $ XXXX which is what triggered all of these events in the first place. Taxes and insurance only went up about $ XXXX which is not a problem for me to handle. But a $ XXXX increase though is a problem on my fixed income. I cant afford that overnight. It turns out that {$180.00} dollars of this roughly $ XXXX increase was just because of Other fees. There was absolutely no information about this fee anywhere that I could find and it definitely wasnt the late fees since they were listed separately in another line item. \n\nMy wife called M & T bank yesterday to inquire about the Other fee. The representative on the phone couldnt even find out what that fee was for. He also noticed that it was separate from the late fees which were listed separately but told us he had no clue what the Other fee was actually for. Since he didnt know what it was for he couldnt remove it or do anything about it. This is the bank that is charging the fee that she was speaking to but the representative from the bank doesnt even know what the fee is for and cant take it off. Where do I go from there?! \n\nWith a $ XXXX decrease on my monthly mortgage payment plus my {$1200.00} theyre holding in escrow and a full refund of every dime Ive paid for this absurd Other fee XXXX be able to get completely caught up on my mortgage with no problem and should have no problem making future payments. But because of these obviously predatory practices that M & T Bank is performing at every turn my mortgage is again in default and I am at risk of becoming homeless. \nApparently M & T Bank has a long history of fraud and deceptive financial practices as can be seen here : https : //violationtracker.goodjobsfirst.org/parent/m-and-t-bank. Even more importantly is the fact that M & T Bank just recently settled a class action lawsuit revolving around charging their clients fraudulent fees XXXX XXXX XXXX XXXX Now here I am on the verge of foreclosure because M & T Bank is charging me fraudulent fees. Obviously they could not care less about not only the laws they are breaking but the human beings that they are defrauding. I am on the verge of losing my home because M & T Bank wants to AGAIN charge their clients fraudulent fees and even in my case withhold my own money thus forcing me into default. On top of the multiple fees and interest collected through this fraudulent activity M & T has even greater motive to push me into foreclosure since my mortgage is backed by the XXXX And after M & T makes money from defrauding me and foreclosing on my home I will be left homeless, XXXX, and on a fixed income with extremely poor credit and not a dime to my name. I have no family to speak of. I will end up homeless. \n\nTHIS is why 1 in every ten homeless people is a veteran that served this country!\n\nTHIS is why 22 ( yes 22! ) veterans kill themselves every single DAY! \n\nWHY is this company allowed to continue to exist when it has a strong history of defrauding its clients even after recently settling a class action lawsuit for defrauding its clients? M & T Bank has factually demonstrated that they will never stop defrauding their clients. These people act with impunity and the country I served in the War on Terror just lets them! Why are they allowed to exist as a bank in this country? And on a personal level why is this habitually predatory company allowed to finance VA home loans?? Companies like this are a big reason this country has a massive amount of homeless veterans and allowing them anywhere near VA guaranteed home loans is only adding fuel to the fire. They dont care if we end up homeless as long as their losses are covered and they make money. \n\nWill my country help me in my time of need like I helped my country in theirs?","date_sent_to_company":"2025-11-18T13:53:28.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"65536","tags":"Servicemember","has_narrative":true,"complaint_id":"17339107","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"M&T BANK CORPORATION","date_received":"2025-11-18T13:24:18.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Fees charged"},"highlight":{"complaint_what_happened":["Very close to the same time that my payment went up drastically ( on a fixed <em>rate</em> mortgage ) my mortgage was transferred without my knowledge or consent to M & T bank. The payment increase, the transfer, and the payment in question all happened so close to each other I am not sure in <em>what</em> order they happened. The muddiness of the situation feels intentional. \n\nI was already having trouble affording the $ <em>XXXX</em> on my fixed VA <em>XXXX</em> <em>XXXX</em> ; I cant work due to my <em>XXXX</em>."]},"sort":[8.414511,"17339107"]},{"_index":"complaint-public-v1","_id":"2963581","_score":8.253221,"_source":{"product":"Checking or savings account","complaint_what_happened":"I've had significant issues with Citibank over the last couple of years. At first, I was enthralled with the idea that Citibank was a great, reputable bank that was worldwide. However, I soon came to find out that not only are they one of the worst banks, but they will do anything and everything they can to not protect the customer and not rectify their wrongdoings. Citibank has created an enormous financial burden for me over the years. The main issues stem from XXXX, when the identity theft first started. After a robbery in XXXX, crooks stole my credit card information, social security number, passport, drivers license, bank and routing account information and all applicable security data that was stored in my XXXX. I suffered through about {$80000.00} worth of fraud across 9 credit cards and Citibank. I was in the hospital for months after the attack, and the crooks kept charging the credit cards and the cards were linked to autopay on my Citibank account and getting sucked out monthly. The crooks took my debit card as well and they emptied everything out. I ended up with nearly {$2000.00} worth of returned check fees. Citibank never contacted me to think anything was suspicious until I logged in and noticed what was happening. Long story short, everyone had my back -- XXXX XXXX, XXXX, XXXX -- everyone but Citibank, my own personal bank. I had a near 800 credit score before all of this happened and paid my bills in full every month, and never had insufficient funds nor do I even have overdraft turned on. I filed police reports, identity theft reports, and spent months working with investigators doing everything they asked me. Citibank laughed in my face and said \" too bad. '' I had to move to XXXX State and there are no Citibanks in the XXXX XXXX, so I had to sit on the phone for hours at a time getting outsourced to the XXXX and places in XXXX where they barely speak English or know what is going on. I got handed around again and again and again with no form of resolution. Finally, I went to my own personal banker where I opened my checking account, the branch manager in  XXXX, XXXX named XXXX XXXX and she was horrified by what Citibank was doing. She tried further disputing everything and getting my money back, but could not. Keep in mind, this happened in XX/XX/XXXX-early XX/XX/XXXX and took years to settle. I was recommended to contact the CFPB to let them know what was happening. Citibank, the bank portion, ended up making things right ( for the most part ) but they only returned the money that was taken from me. I didn't get any other \" bonuses '' or compensation for my time spent on the matter. I ended up filing a lawsuit against Citibank Credit Cards for all the fraud that was on one of the credit cards. I worked with XXXX XXXX, who was a lawyer for Citibank, who apologized and removed the card from my profile after reviewing everything I sent her. Because of that one Citibank card, my credit went down from nearly 800 to XXXX. After it was taken off, my credit was rectified to what it originally was ( near 800 ) but still, the trauma that results from these financial issues is unacceptable. You can't rent an apartment, get a new credit card, open a new bank account or do anything. If someone was actually responsible for defaulting on that, then thats understandable, but not for fraud when I have police reports, photos and news articles detailing what happened. \n\nSo that was prior. Now onto the current issue I am having with Citibank. I ended up enlisting in the military in XX/XX/XXXX. I left for XXXX and came back to XXXX in XX/XX/XXXX. When I came back, I noticed some fraudulent charges on my account from the time I was XXXX. I went in to the XXXX XXXX Citibank # XXXX on XX/XX/XXXX and spoke to XXXX XXXX, a personal banker, NMLS : XXXX, who took all of my information and details and said she was going to work on resolving this as soon as possible. I told her I was on my 7 days of military leave and would be XXXX again. She said she would do everything in her power to rectify things. \n\nFast forward to XX/XX/XXXX, I have no access to my phone abroad nor Internet. I had been gone for over 3 months now and was on another 7 days of leave. I left XXXX XXXX a message to see if everything was fixed but did not hear back. On my last day of leave I called the branch again, and they told me that XXXX XXXX left within 2 weeks of me visiting that branch in XXXX. So once again, Citibank just didnt seem to care and left me in distress. \n\nI XXXX once again. I came back in XX/XX/XXXX. I had 2 weeks of leave this time so I had more time to check on everything. I was shocked that this was happening once again. From XX/XX/XXXX - XX/XX/XXXX there was over {$25000.00} of fraud on the account. For someone in the military, that is A LOT of money that got sucked out. I kept money in that account for two reasons : one for autopay for my XXXX XXXX cards, which are authorized for my family members to use the XXXX cards and XXXX is authorized to take that out of the account ; two is for my monthly car loan that I authorize XXXX to debit from my account so my family can have a car to drive while I am away. That is it. They do not have access to my bank account and I expected security measures to greatly increase after what has happened previously.\n\nI went into a branch in XXXX XXXX, XXXX in early XX/XX/XXXX. I was furious and went to a personal banker and highlighted every single charge that was fraudulent -- every charge that wasn't from XXXX or XXXX from XX/XX/XXXX - XX/XX/XXXX. He said he would take care of it as soon as possible, I didn't know whether or not to shut down the account because I only have Citibank and a military bank account and I still had money flowing into the Citibank account from direct deposits, etc. I believe that he blocked it. \n\nHowever, during the 30 days, Citibank refused to issue any provisional credit for a majority of the charges. So they were personally holding {$25000.00} of my money until the \" investigation '' finished. That's absurd. People can die from that. That is A LOT of money for some people. How else am I going to pay the rent, food on the table, etc? Citibank laughed and thought it was a joke again. I returned for training in the XXXX XXXX and there was no Citibanks there. I was gearing up to go for XXXX again and now Im traumatized by the way Citibank was handling the situation, and my lack of finances in my account that I worked for! \n\nI was told I was going overseas again, but we were going to the east coast prior. I went into a bank on my day off and barely missed the closing time on XX/XX/XXXX. I met with Mr. XXXX XXXX, NMLS ID XXXX, and I was there for almost two hours talking to him and the fraud team. As it turns out, the fraud team missed thousands of dollars worth of transactions that were highlighted. Mr. XXXX agreed that I should take this up with the CFPB once again and possibly file another lawsuit, and he vouched to help me get this settled. We spoke to the fraud team and one of the supervisors named \" XXXX '' with code ( XXXX ) said that many of the transactions were ruled in my favor ( of course ) but some ATM transactions were not and that I can appeal these ( which I am doing now ). She also promised to help get everything sorted and apologized for the inconvenience Ive had with Citibank. I gave XXXX permission to work with Mr. XXXX and discuss any and all applicable information necessary for this case. Our call ended with XXXX at XXXX EST. \n\nThe following week or so, Mr. XXXX confirmed some transactions were permanently given back to me such as from a merchant named \" XXXX '' where a bulk of the money was getting laundered to. \n\nThere was good news for a while, and I wanted to close this Citibank account and have just a more secure military checking account because Ive had way too many issues with Citibank. However, down the line, I started getting calls from XXXX that my autopay for my car loan wouldn't go through. I got worried and checked my bank account with XXXX -- I had a significant negative balance. XXXX had confirmed to me that all of the transactions were getting processed to getting permanently credited, so this was concerning. \n\nI logged into my Citibank account and found that they sent me at least 10 different messages ruling in my favor. \n\nFrom the looks of everything, the largest of the transactions that left my account were through \" XXXX. '' Citibank ruled in my favor issuing permanent credit for a few of these transactions, but then sucked the money back out of my account. How is it that only some of these transactions are fraudulent but others aren't? This sounds exactly like the same predicament as XXXX! EXACTLY THE SAME. IT DOESN'T MAKE SENSE. \n\nThis is the email I sent to Mr. XXXX in regards to finding that : XXXX Hi Sir, So its getting further complicated now. Im not sure what the issue is but they credited me roughly another {$1000.00} on XX/XX/XXXX. They said they were honoring almost everything and then today I got a notification that they sucked {$8300.00} out of my account without any notification, etc. Can you please look into this? Im so tired and stressed out from Citibank Im waiting til everything is finished to file suit.\n\nSo just based off the last email sir, I went into my account and it looks like an error on Citibanks behalf ( again ). \n\nOn the XXXX they sucked $ 8,000+ out of my account but I checked all the letters from the entire month of XXXX and they said nothing of this. They said they were honoring a majority of the requests aside from the ATM transactions and the transactions involving a cardholder signature, which I was going to file in my complaint with the FCC. \n\nBut looking at the letters shown, and the one on XX/XX/XXXX in particular, they found the transactions from XX/XX/XXXX {$2500.00} XXXX, {$2000.00} XX/XX/XXXX Coinbase XX/XX/XXXX XXXX clearing all to be in my favor. It says that these credits are now considered permanent. But on XX/XX/XXXX they just debited my accounts for THESE same transactions! How does that make sense? I have everything in writing from Citibank itself saying the credits are permanent. \n\nFurthermore, aside from those 3 credits that were debited again on XXXX, theres two more! One for  {$2400.00} and {$1000.00} both from XXXX! So how are only some of these transactions from coinbase considered in my favor and some not? How does any of this make sense! This is why I sued them last year! They dont know what they are doing. \n\nPlease help me in resolving this case sir, I appreciate your time handling it thus far. \n\nThank you. \n\nMr. XXXX apologized for this, and asked to see the letters from Citibank saying that these credits were considered permanent. I sent the most recent 7 letters I could find, its all in writing Citibank! Its verified by multiple people on recorded lines and its literally in writing. Theres police reports, evidence, everything is there. Its not fair what you are doing to your customer and its not fair that its so hard to contact Citibank while youre in the military and monitor all of this. Who has the time, energy and effort to deal with all of this? When you bank with someone, you are literally entrusting them with your life savings, your will, benefits for your family, etc. You dont do this to people! Its not right! Please have a top Citibank CEO or employee get back to me, or have someone contact me to rectify this situation. Otherwise, I really have no issue filing another court case in regards to this. Its a shame that is what has to be done, but its just absurd to even think about. This letter alone to CFPB took 3 hours to construct. If I had to calculate the number of hours just dealing with the issues Ive had to personally deal with Citibank it would be 800+ hours. This just shows how Citibank doesnt care about members of the armed forces serving XXXX XXXX. I come home with enough XXXX and XXXX from abroad just to get these friendly greetings from Citibank. Factoring in the XXXX XXXX, XXXX XXXX and financial impacts of what Citibank has done to my family, and me its really priceless and thats something they will definitely consider in civil court a lot more than the {$25000.00} taken from me! \n\nTo make matters worse, Mr. XXXX told me that XXXX no longer works for Citibank and so shes gone. It took hours to explain my situation to her and then she disappears and Im expected to call the fraud department and discuss my case again? Seriously? How many times does this keep happening? Then Mr. XXXX sent me another message saying his last day at the Citibank branch was on XX/XX/XXXX because he has decided to move back to XXXX. Are you kidding? These are the employees Im entrusting and its just like a vicious cycle to the consumer and the customer. Its not a good look to see this high of a turnover rate at Citibank and just look at the way its affecting your customers! \n\nPlease rectify this situation Citibank.","date_sent_to_company":"2018-07-16T01:21:11.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"98277","tags":"Servicemember","has_narrative":true,"complaint_id":"2963581","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-07-15T23:51:12.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["<em>XXXX</em> sent me another message saying his last day at the Citibank branch was on XX/XX/<em>XXXX</em> because he has decided to move back to <em>XXXX</em>. Are you kidding? These are the employees Im entrusting and its just like a vicious cycle to the consumer and the customer. Its not a good look to see this <em>high</em> of a turnover <em>rate</em> at Citibank and just look at the way its affecting your customers! \n\nPlease rectify this situation Citibank."]},"sort":[8.253221,"2963581"]},{"_index":"complaint-public-v1","_id":"2904217","_score":8.031483,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Paypal Has Unfairly & Unjustly Limited My Account without looking at the Facts or Giving Me Any Absolutely Any Right to Appeal at All & Will Not Even read or Take the Time to Look at the Facts at All, They Refuse to 3 Way with XXXX or My Credit Card Company or Even Look at Any of My Letters, They Just Keep Telling Me Their Decision Has Been Made & It is Irreversible. \nBut I Have 100 % Positive Feedback & Spend Over {$10000.00} a Year & Am in Good Standing with Both & They Wan na Know Why Your Blocking Their Money as Well??? \n\nFrom : XXXX XXXX XXXX : Did you get your refund? \nXX/XX/XXXX at XXXX XXXX PayPal Customer Support : No I Have Not Received My Refund Yet & Also, What High Risk Behavior Do You Speak of??? \nThis is Totally Unfair & I Am Being Judged out of Character without the Ability to Appeal ... \nYou Say & Claim Buyer Protection, Now PLEASE Read Carefully as It Was By Your Own Agents Advice & Doing That These Claims Were Set Up & All Won in My Favor at That, and Yes a High Transaction Rate, Unusually High for an Unusually High Volume of Purchases, This is Totally Unfair & Unjust. \nYou Need to Look at Each One of These Individually Not Just as Another Number ... \nAs the Limitation is Unfair & Unjust, and Both My Credit Card Company as Well as XXXX are Willing to Do a 3 Way Call with You as to Vouch for Me & My Character as Well as to the {$1000.00} 's & {$1000.00} 's of Dollars a Year That Your All Loosing Out on With These Foolish & Unjustified Limitations, Especially My Credit Card Company & XXXX as That's What Their There for & Your Limiting Their Use for No Reason & What I Don't Need is Anymore Computerized Impersonal Automated Responses as That Seems to Be One of the Biggest Problems Here & No One is Listening or even giving Me a Fare Chance as the Limitation is horrible, unfair & unjust as its not just like this is an item i just didnt care for or just isnt like the shade of pink, this is as most of my of my refunds an item not received. i really need Paypal to re-evaluate my situation & give me a second chance to show & prove to them & let the number ratio 's speak for them selves ... i do a great deal of business here & on XXXX, over {$10000.00} a year as i was told by one of your agents the other day & i have 100 % Positive feed back and this kind of limitation & treatment by Paypal is just not fare and i was never given any chance to appeal, it just flat out said my appeal was denied without ever giving me the chance to talk to anyone or present any of my evidence. all my Paypal & XXXX cases have been won in my favor, i am not here to scam anyone & the majority have been for items not received. any others where complete scams & completely not as described or damaged items, this is due to no fault of my own & is not any more pleasant for me than it is for any of you ... in fact it is most disappointing & most trouble some & inconvenient, as i am disabled & doing returns is not at all easy for me in the first place & it is costly & takes time, paper, ink & repacking ect, this is not my cup of tea at all & i do not take it lightly & yet you ( Paypal ) block me like i am some kind of threat to society & do not even give me a second chance or any kind of appeal or even hear me out about this matter & it makes no sense at all whilst your loosing tons of business in the meantime, not even realizing the reality of life is that you offer buyer protection & this sort of thing unfortunately happens, especially when you do business & the rate of transactions at the rate that i do & maybe instead of blocking or so called limiting me, maybe it's these sellers that you truly need to look more into & their track record & their feed back history. the other thing is, is that i have only ever done & followed the route that Your Very Own Agents have advised me to do, you Paypal need to go back & listen to Your Own Call History Log Before You Wan na Judge or put any kind of Limitations on my account, thank you ... thank you very much, truly & most sincerely, XXXX XXXX XXXX From : PayPal Customer Support Re :  Did you get your refund? \nXX/XX/XXXX at XXXX XXXX Dear XXXX XXXX, We appreciate your interest in PayPal. Unfortunately, our decision to limit your account is final. \n\nPayPal reserves the right to limit any account that is involved in high risk behavior -- including accounts that have an unusually high transaction reversal rate. As a result of this limitation you will not be able to send or receive funds and we will suspend any open claims and we will deny these claims. Your purchases are no longer eligible for PayPal Buyer Protection, and future claims will be denied. Please feel free to continue and pursue a resolution directly with the seller. \n\nIf you require additional assistance, or have any concerns, feel free to contact us directly at XXXX. \n\nThank you, XXXX PayPal Protection Services Department XXXXopyright XX/XX/XXXX-XX/XX/XXXX PayPal. All rights reserved. \n\nFrom : XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX ( +01:00 )  Subject : Re : Did you get your refund? \n\nnope ... still waiting & i was told by a real nice lady agent named XXXX that it would be on the XX/XX/XXXX, but still nothing. \nanother agent told me she was mistaken & it would be on the XX/XX/XXXX & here it is the XX/XX/XXXX & still nothing. \n\ni'd like to move on, got other things i'd like to buy & do on here, but i hate paypal ... never can trust em. \nnor these sellers with item From : PayPal Customer Support Re : Did you get your refund? \nXX/XX/XXXX at XXXX XXXX Hello XXXX XXXX, Thank you for contacting us about your limitation. \n\nThe decision to limit your account is final and will not be overturned We've denied your appeal. We've advised you of our reason ( s ) in previous emails. \n\nWe understand that you're dissatisfied with the outcome, but we can not grant an appeal for the reason you provided. Any further appeals or emails for the same reason won't be responded to. \n\nI suggest you find an alternative online payments provider, as PayPal has decided to no longer provide our services to you. \n\nThank you for your time. \n\nYours sincerely, XXXX PayPal Copyright XX/XX/XXXX-XX/XX/XXXX PayPal. All rights reserved From : XXXX XXXX XXXX : Did you get your refund? \nXX/XX/XXXX at XXXX XXXX XXXX Customer Support : You Can't honestly Say That You've Denied My Appeal When You've Never Even Farley Given Me One, What to Speak of Even Taken the Time To Even Look at the Evidence or Even Read One of My Letters as the Limitation is horrible, unfair & unjust as its not just like this is an item i just didnt care for or just isnt like the shade of pink, this is as most of my of my refunds an item not received. i really need Paypal to re-evaluate my situation & give me a second chance to show & prove to them & let the number ratio 's speak for them selves ... i do a great deal of business here & on XXXX, over {$10000.00} a year as i was told by one of your agents the other day & i have 100 % positive feed back and this kind of limitation & treatment by Paypal is just not fare and i was never given any chance to appeal, it just flat out said my appeal was denied without ever giving me the chance to talk to anyone or present any of my evidence. all my Paypal & XXXX cases have been won in my favor, i am not here to scam anyone & the majority have been for items not received. any others where complete scams & completely not as described or damaged items, this is due to no fault of my own & is not any more pleasant for me than it is for any of you ... in fact it is most disappointing & most trouble some & inconvenient, as i am disabled & doing returns is not at all easy for me in the first place & it is costly & takes time, paper, ink & repacking ect, this is not my cup of tea at all & i do not take it lightly & yet you ( Paypal ) block me like i am some kind of threat to society & do not even give me a second chance or any kind of appeal or even hear me out about this matter & it makes no sense at all whilst your loosing tons of business in the meantime, not even realizing the reality of life is that you offer buyer protection & this sort of thing unfortunately happens, especially when you do business & the rate of transactions at the rate that i do & maybe instead of blocking or so called limiting me, maybe it's these sellers that you truly need to look more into & their track record & their feed back history. the other thing is, is that i have only ever done & followed the route that your very Own Agents have advised me to do, you Paypal need to go back & listen to your Own Call History Log before you wan na judge or put any kind of limitations on my account, thank you ... thank you very much, truly & most sincerely, XXXX XXXX XXXX From : XXXX XXXX Questions about account limitations XXXX XX/XX/XXXX at XXXX XXXX PayPal Customer Support : The Limitation is Unfair & Unjust, and Both My Credit Card Company as Well as XXXX are Willing to Do a 3 Way Call with You as to Vouch for Me & My Character as Well as to the {$1000.00} 's & {$1000.00} 's of Dollars a Year That Your All Loosing Out on With These Foolish & Unjustified Limitations, Especially My Credit Card Company & XXXX as That's What Their There for & Your Limiting Their Use for No Reason & What I Don't Need is Anymore Computerized Impersonal Automated Responses as That Seems to Be One of the Biggest Problems Here & No One is Listening or even giving Me a Fare Chance as the Limitation is horrible, unfair & unjust as its not just like this is an item i just didnt care for or just isnt like the shade of pink, this is as most of my of my refunds an item not received. i really need Paypal to re-evaluate my situation & give me a second chance to show & prove to them & let the number ratio 's speak for them selves ... i do a great deal of business here & on XXXX, over {$10000.00} a year as i was told by one of your agents the other day & i have 100 % Positive feed back and this kind of limitation & treatment by Paypal is just not fare and i was never given any chance to appeal, it just flat out said my appeal was denied without ever giving me the chance to talk to anyone or present any of my evidence. all my Paypal & XXXX cases have been won in my favor, i am not here to scam anyone & the majority have been for items not received. any others where complete scams & completely not as described or damaged items, this is due to no fault of my own & is not any more pleasant for me than it is for any of you ... in fact it is most disappointing & most trouble some & inconvenient, as i am disabled & doing returns is not at all easy for me in the first place & it is costly & takes time, paper, ink & repacking ect, this is not my cup of tea at all & i do not take it lightly & yet you ( Paypal ) block me like i am some kind of threat to society & do not even give me a second chance or any kind of appeal or even hear me out about this matter & it makes no sense at all whilst your loosing tons of business in the meantime, not even realizing the reality of life is that you offer buyer protection & this sort of thing unfortunately happens, especially when you do business & the rate of transactions at the rate that i do & maybe instead of blocking or so called limiting me, maybe it's these sellers that you truly need to look more into & their track record & their feed back history. the other thing is, is that i have only ever done & followed the route that Your Very Own Agents have advised me to do, you Paypal need to go back & listen to Your Own Call History Log Before You Wan na Judge or put any kind of Limitations on my account, thank you ... thank you very much, truly & most sincerely, XXXX XXXX XXXX XXXX RE : Re : RE : Re : Did you get your refund? SR # XXXX Hello XXXX, Im sorry to hear that youre running into some issues with Paypal. I was able to detect the refunds here on our end and would ask that you check out the detailed view of your activities page of Paypal to see the addition to your account. I have included the information below for your reference. \n\n\n\nXXXX ID : XXXX STATUS : REFUNDED DATE : XX/XX/XXXX XXXX PM ACTION : CREDIT AMOUNT : XXXX XXXX XXXX ID : XXXX STATUS : REFUNDED DATE : XX/XX/XXXX XXXX XXXX ACTION : CREDIT AMOUNT : XXXX XXXX I tried to give you a call to see if we can get Paypal conferenced in with us to try and see if there was anything we can do to help clear this up for you but unfortunately the number on file I used did not connect me. Please feel free to give us a call to see if there is anything we can do to help. Normally with Paypal security blocks there is not too much ebay can do now that we are separate companies, but we are always willing to give it a try. \n\n\n\nWe definitely appreciate your years of support and continual loyalty to XXXX  and we want you to know that we look forward to serving you better in the future. Please contact us further if there is anything we can do to help. \n\n\n\nXXXX Thanks, XXXX Re : RE : Re : Did you get your refund? SR # XXXX XXXX To : XXXX, XXXX, XXXX, XXXX, XXXX and 5 more ... \n\nXX/XX/XXXX at XXXX XXXX as far as i know, it still does not show up in my account & paypaXXXX shows no record of it by any of the transaction numbers that i have been given by XXXX ... \nSR # XXXX - We couldn't find anything for XXXX. Try a new search. \n- We couldn't find anything for XXXX. Try a new search. \n- We couldn't find anything for SR # XXXX. Try a new search. \n\nthis is horrible as its not just like this is an item i just didnt care for or just isnt like the shade of pink, this is as most of my of my refunds an item not received. i really need paypal to re-evaluate my situation & give me a second chance to show & prove to them & let the number ratio 's speak for them selves ... \ni do a great deal of business here & on XXXX, over {$10000.00} a year as i was told by one of your agents the other day & i have 100 % positive feed back and this kind of limitation & treatment by paypal is just not fare and i was never given any chance to appeal, it just flat out said my appeal was denied without ever giving me the chance to talk to anyone or present any of my evidence. \nall my paypal & XXXX cases have been won in my favor, i am not here to scam anyone & the majority have been for items not received. any others where complete scams & completely not as described or damaged items, this is due to no fault of my own & is not any more pleasant for me than it is for any of you ... \nin fact it is most disappointing & most trouble some & inconvenient, as i am disabled & doing returns is not at all easy for me in the first place & it is costly & takes time, paper, ink & repacking ect, this is not my cup of tea at all & i do not take it lightly & yet you ( paypal ) block me like i am some kind of threat to society & do not even give me a second chance or any kind of appeal or even hear me out about this matter & it makes no sense at all whilst your loosing tons of business in the meantime, not even realizing the reality of life is that you offer buyer protection & this sort of thing unfortunately happens, especially when you do business & the rate of transactions at the rate that i do & maybe instead of blocking or so called limiting me, maybe it's these sellers that you truly need 2 look more into & their track record & their feed back history. \nthe other thing is, is that i have only ever done & followed the route that your very own agents have advised me to do, you paypal need to go back & listen to your own call history log before you wan na judge or put any kind of limitations on my account, thank you ... thank you very much, truly & most sincerely, XXXX XXXX XXXX XXXX To : XXXX, XXXX XX/XX/XXXX at XXXX XXXX XXXX : Reference ID : XXXX PP XXXX / Please Remove Limitations, * I am Innocent & You Have No Reasons & No Proof. \n\nXX/XX/XXXX at XXXX XXXX Dear XXXX XXXX, We've found that your PayPal account is directly related to another account which we've limited for misuse of our policies. As such, your PayPal account has also been limited and any open claims you may have filed will be denied. \n\nAny attempt to open a new account will result in the same action. Please send any questions you may have to XXXX. \n\nThank you, XXXX Protection Services Department Copyright XX/XX/XXXX-XX/XX/XXXX PayPal. All rights reserved. \n\nFrom : XXXX Sent : Saturday, XX/XX/XXXX XXXX PM ( XXXX ) Subject : RE : XXXX ID : XXXX ( XXXX ) PayPal Customer Support : PP XXXX??? \n\nXXXX You People Need To Call Me & Drop This Limitation Immediately as None of This is True & I Have No Association with Any Other Account & I Have Done Nothing Wrong Here What So Ever. \nI Have Provided You with Plenty of Proof & Plenty of Good Business Over the Years .and You Have Shown Me Nothing & No Proof of Anything & Have Totally Mistreated Me & Have No Right What So Ever to Be Treating Me This Way as I Have Done ABSOLUTELY NOTHING WRONG. - Thank You Very Much. XXXX XXXX XX/XX/XXXX Dear XXXX XXXX, We appreciate your interest in PayPal. Unfortunately, our decision to limit your account is final. \n\nPayPal reserves the right to limit any account that is involved in high risk behavior -- including accounts that have an unusually high transaction reversal rate. As a result of this limitation you will not be able to send or receive funds and we will suspend any open claims and we will deny these claims. Your purchases are no longer eligible for PayPal Buyer Protection, and future claims will be denied. Please feel free to continue and pursue a resolution directly with the seller. \n\n\n\n\nRE : Reference ID : XXXX XX/XX/XXXX at XXXX XXXX   XXXX Customer Support : what, what are you talking about now??? \nthere are no other accounts & i have never done anything to misuse any of your policies. \nif you look into these cases you will see perfectly clear that everything is legitimate. \n\nI NEED & WANT TO SPEAK TO A MANAGER OR A SUPERVISOR IN THIS MANOR AS THIS IS ABSOLUTELY RIDICULOUS & UNTRUE, I AVE DONE NOTHING WRONG HERE. \n\nTHIS CASE NEEDS TO BE SERIOUSLY REVIEWED. \nXXXX Please Look it Up ... XXXX I Have Rights Here to & This is a Violation & Non of This is True ... \nI Used My By Protection Legitimately Against a Very Shady Company That You Should Be Harassing NOT Me, and if This Doesn't Cease & Assist I Will Have to Take Further Leagal Action as You Are Hindering Me & My Business, and Falsely Accusing Me. \n\nSTOP TREATING ME LIKE A NUMBER & A STATISTIC ... \nI'M A PERSON TO, AND I TRULY DIDN'T DO ANYTHING WRONG HERE AT ALL. \n\nLet My Feedback & Reputation Speak for Itself ... \n\ndhsoul ( 862 ) 100 % positive feedback Item as described, fast shipping, would do business with again. 5 stars!\n\nXX/XX/XXXX * You ( PAYPAL ) is Just Selling Itself Short, Your Cutting Off Your Nose Despite Your Face!!! \n\nXXXX How in the world can my account be limited or suspended when all i have ever done was try to protect my self from being ripped off from a particular dishonest seller & now your trying to punish me in return, absolutely ridiculous & absurd, i can not believe this & this has to be listed immediately, paypal claims that it has buyer protection, this is a joke & this is totally unfair punishment for something that was totally out of my hands as i can not help that a seller has totally scammed me & i would have thought that you all would have stood up for me alot more & now i m being punished like this in return. this is lawsuit material right here folks & you had better clear this up right away as this is not in the least bit cute & you need to fix & remove this so called limitation right now, thank you very much. \n\nAnd How in the World Does a Legitimate Item Not Received Claim ... \nConstitute Any Kind of Abuse of the System??? \n\nthe System & the Seller Here Seams to Be More Than Abusing Me ... \n\nAs i had legitimate case in which i was awarded, i'm sorry if you didnt like that ... \nbut i thought that's what buyer protection was about, as i was abused!!! \nnot trying to abuse your stupid system, now your just trying to abuse me even further and you had better quite & you had better lift this so called ban of limitations now!!! \n\nAS PAYPALS JUST CRYING BECAUSE YOUR LOOSING & HAD TO RETURN MONEY ... \nBUT WERE IS YOUR COMPLAINTS DEPARTMENT BECAUSE THIS HAS BEEN THE WORST HANDLED CASE EVER & ITS NOT MY FAULT AT ALL THAT THESE PEOPLE ARE OUT THERE PREYING ON & SCAMMING OTHERS, NOW YOU CLAIM YOU HAVE BUYER PROTECTION, BUT THEN WHY IS IT THAT EVERY TIME I PUT IN A CLAIM ... \nI HAVE TO HERE SOMETHING LIKE THIS OR GET SOME THREAT FROM YOU ALL GET SOME LETTER, E-MAIL, OR END UP WITH MY ACCOUNT IN SOME KIND OF SUSPENSION ... OR AS YOU CALL IT, LIMITATION???? \n\nYou Worry So Much About Your Sellers Rights & Getting Sued for This or That ... \nBut the Way You Have Treated me Through this Whole Case & Now What You Have Just Done YOU OUGHT TO BE MORE WORRIED ABOUT GETTING SUED FOR THAT!!! \n\nthank you very much, most sincerely, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX To : XXXX XX/XX/XXXX at XXXX XXXX PP XXXX .... Status??? \n\nInnocent!!! \n- Seller ... Guilty, So Why am I Punished for Using My Rights to Buyer Protection Claims??? \nIt Is Not Excessive, All Were Against One Seller, This Seller & All Were Found in My Favor!!! \nAnd I Am Not the Only One, So if Anything Charges Should Be Brought Up Upon This Seller ... \nNot Me!!! \n\nLet the Sellers Track History Speak for Itself ... \n\nteespring_inc Feedback From When Negative feedback rating It sucks this sweatshirt is not what it seems bad quality? Buyer : 1***- ( XXXX star icon for feedback score in between 10 to 49 ) During past month Feedback conversation XX/XX/XXXX - Aged To Perfection Gildan Hoodie Sweatshirt ( # XXXX ) US {$33.00} View Item Negative feedback rating Very bad communication. Won't buy from again. Buyer : c***b ( XXXX star icon for feedback score in between 100 to 499 ) During past month Feedback conversation XXXX Will Say Yes When XXXX Says No Gildan Women 's Tee T-Shirt ( # XXXX ) US {$19.00} View Item Negative feedback rating Unprofessional! Did not receive whole order. No communication. Buyer : z***e ( XXXX star icon for feedback score in between XXXX to XXXX ) During past month Feedback conversation Fit Mom - Bella Flowy Tank Tanktop ( XXXX XXXX ) US {$21.00} View Item Negative feedback rating Unprofessional! Did not receive whole order. No communication. Buyer : z***e ( XXXX star icon for feedback score in between 10 to 49 ) During past month Feedback conversation Fit Mom - Bella   Flowy Tank Tanktop ( # XXXX ) US {$21.00} View Item Negative feedback rating Wrong item. Unprofessional. Buyer : z***e ( XXXX star icon for feedback score in between XXXX to XXXX ) During past month Feedback conversation Fit Mom - Bella Flowy Tank Tanktop ( XXXX XXXX ) US {$21.00} View Item Negative feedback rating No communication. Did not give me my full order. Sent the wrong item. Buyer : z***e ( XXXX star icon for feedback score in between 10 to 49 ) During past month Feedback conversation Fit Mom - Bella Flowy Tank Tanktop ( XXXX XXXX ) US {$22.00} View Item Negative feedback rating You cant see the logo on the sweater and I have contacted seller twice no reply Buyer : n***u ( XXXX XXXX icon for feedback score in between 10 to 49 ) During past month Feedback conversation Shut Your XXXX Hole - XXXX XXXX Sweatshirt ( # XXXX ) US {$33.00} View Item Negative feedback rating Smells terrible and is completely blurry! I wasted my money on this item! Buyer : -***a ( 1 ) During past month Feedback conversation XXXX  XXXX XXXX Sweatshirt ( # XXXX ) US {$33.00} View Item Negative feedback rating Doesn't look like picture, logo is really dark and grey, not white. Feels cheap Buyer : -***u ( XXXX star icon for feedback score in between 50 to 99 ) During past month Feedback conversation City Of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) US {$33.00} View Item Negative feedback rating the printing does not cover the shirt and looks very faded. STAY AWAY FROM HERE Buyer : t***t ( XXXX star icon for feedback score in between XXXX to XXXX ) During past month Feedback conversation The Luxury XXXX XXXX XXXX XXXX XXXX Hoodie Sweatshirt ( # XXXX ) US {$33.00} View Item Negative feedback rating Mug looks very cheap and small. Not what I expected for {$17.00} Buyer : c***h ( XXXX XXXX icon for feedback score in between XXXX to XXXX ) During past month Feedback conversation Stethoscopes XXXX Nurse XXXX - Not All Angels Have XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) US {$16.00} View Item Negative feedback rating Quality not as shown Buyer : i***e ( 2 ) During past month Feedback conversation XXXX XXXX XXXX XXXX XXXX Tee T-Shirt ( # XXXX ) US {$22.00} View XXXX Negative feedback rating sh*tty quailty. tiny a $ $ logo thats printed on crooked thats already peeling Buyer : t***b ( XXXX ) During past month Feedback conversation Slumerican T, Tee, Slum Gildan Hoodie Sweatshirt ( # XXXX ) US {$33.00} View Item Negative feedback rating Shirt printed on was terrible poor quality not like photos. seller didnt respond Buyer : a***d ( XXXX XXXX icon for feedback score in between XXXX to XXXX ) During past month Feedback conversation I Am A XXXX Girl Women 's Premium Tee T-Shirt ( # XXXX ) US {$19.00} View Item Negative feedback rating Poor communication, don't buy t-shirt is discolored, wide and short for size! Buyer : XXXX ( XXXX XXXX icon for feedback score in between XXXX to XXXX ) During past month Feedback conversation Strong Resilient Indigenous Hanes Tagless Tee T-Shirt ( # XXXX ) US {$18.00} View Item Negative feedback rating This product does not match the quality and description it entail. Looks cheap! Buyer : a***w ( 7 ) During past month Feedback conversation Hbcu - Hanes Tagless Tee T-Shirt ( # XXXX ) US {$18.00} View Item Negative feedback rating Gift ruined. Print on hoody XXXX match listed sale pic. Seller wont respond Buyer : XXXX ( XXXX XXXX icon for feedback score in between XXXX to XXXX ) During past month Feedback conversation XXXX XXXX XXXX XXXX XXXX   Sweatshirt ( # XXXX ) US {$33.00} View Item Negative feedback rating This said it was a Women 's size, but it is not a and it shaped and sized as mens Buyer : XXXX ( XXXX star icon for feedback score in between 100 to 499 ) During past month Feedback conversation Girls Just Wan na Have Fundamental Rights Feminist Women 's Premium Tee T-Shirt ( # XXXX ) US {$19.00} View Item Negative feedback rating Bad quality, tried to contact, no response. I would stay away, wasted XXXX bucks Buyer : s***u ( XXXX star icon for feedback score in between XXXX to XXXX ) During past month Feedback conversation Stros Before XXXX - Stro 's XXXX XXXX Tee T-Shirt ( # XXXX ) US {$18.00} View Item Negative feedback rating Terrible quality shirt and faded transfer, avoid .... Buyer : s***u ( XXXX star icon for feedback score in between XXXX to XXXX ) During past month Feedback conversation Stros Before XXXX - Stro 's XXXX XXXX Tee T-Shirt ( # XXXX ) US {$18.00} View Item Negative feedback rating Dont buy bad Quality and never answers email want a refund not happy Buyer : c***c ( XXXX XXXX icon for feedback score in between 100 to 499 ) During past month Feedback conversation Bad Bunny Gildan Hoodie Sweatshirt ( # XXXX ) US {$33.00} View Item Negative feedback rating HORRIBLE SERVICE SENT WRONG SIZE SAID WILL SEND NEW ONE NEVER DID CHEAP SHIRT Buyer : p***i ( XXXX star icon for feedback score in between 1,000 to 4,999 ) During past month Feedback conversation Iron XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX T-Shirt ( # XXXX ) US {$18.00} View Item Negative feedback rating Ordered the shirt over one month ago and still have not received the shirt. Buyer : k***d ( XXXX XXXX icon for feedback score in between 50 to 99 ) During past month Feedback conversation Hard Times And Trouble Blues Music - XXXX & Troubles Never Premium Tee T-Shirt ( # XXXX ) US {$19.00} View Item Negative feedback rating XXXX XXXX de la XXXX es XXXX pague por gusto Buyer : XXXX ( XXXX XXXX icon for feedback score in between XXXX to XXXX ) During past month Feedback conversation Scuba Diving Gildan Long Sleeve Tee T-Shirt ( # XXXX ) US {$22.00} View Item Negative feedback rating Item not true to size, usually wear size med ordered a large doesn't fit Buyer : o***x ( XXXX XXXX icon for feedback score in between XXXX00 to 499 ) During past month Feedback conversation Dont You Dare. - If Haven't Risked Coming Home Under Women 's Premium Tee T-Shirt ( # XXXX ) XXXX {$19.00} View Item Negative feedback rating WARNING SELLER MISLEADING BUYERS LISTINGS 100 % COTTON U GET XX/XX/XXXX BLEND WARNING Buyer : m***r ( XXXX XXXX icon for feedback score in between 100 to 499 ) During past month Feedback conversation XXXX XXXX Division - On The XXXX XXXX Creates Screaming Premium Tee T-Shirt ( # XXXX ) US {$19.00} View Item Negative feedback rating Seller will absolutely not communicate with XXXX XXXX : i***a (  XXXX XXXX icon for feedback score in between 100 to 499 ) During past month Feedback conversation Knights Templar Defending XXXX - Defensing XXXX XXXX Tee T-Shirt ( # XXXX ) US {$18.00} View Item Negative feedback rating Got the wrong size messaged the seller 2 times no reply. I need to return it Buyer : 8***8 ( 3 ) During past month Feedback conversation Best Nana Ever Top Cute XXXX Women 's Tee T-Shirt ( # XXXX ) US {$19.00} View Item Negative feedback rating Tho labeled dishwasher friendly, the paint is flaking. No response from seller. Buyer : i***_ ( XXXX XXXX icon for feedback score in between 50 to 99 ) During past month Feedback conversation Questions Gift Coffee Mug ( # XXXX ) US {$16.00} View Item Negative feedback rating no tracking Buyer : o***b ( 5 ) During past month Feedback conversation Bitcoin Price News Mining Wallet - B Gildan Long Sleeve Tee T-Shirt ( # XXXX ) US {$22.00} View Item Negative feedback rating 10 messages & no response! I will say these shirts are total cheap garbage! Buyer : XXXX ( XXXX star icon for feedback score in between 100 to 499 ) During past month Feedback conversation The Walking_dead Hanes Tagless Tee T-Shirt ( # XXXX ) US {$18.00} View Item Negative feedback rating I initiated a return and have sent 3 more e-mails and no response! Buyer : XXXX ( XXXX XXXX icon for feedback score in between 100 to 499 ) During past month Feedback conversation Proud XXXX Mom Soldiers - Don't Brag But Their Moms Gildan Women 's Tee T-Shirt ( # XXXX ) US {$19.00} View Item Negative feedback rating Never Received item, No Communication - NOTHING AT ALL!!! Buyer : XXXX ( XXXX XXXX icon for feedback score in between 500 to 999 ) During past month Feedback conversation Unmasked Collage - Kiss Hanes Tagless Tee T-Shirt ( # XXXX ) XXXX {$18.00} View Item Negative feedback rating didn't receive my package the seller never got back to me Buyer : 9***l ( XXXX star icon for feedback score in between XXXX to XXXX ) During past month Feedback conversation Race It, Break Fix Repeat - XXXX It XXXX Long Sleeve Tee T-Shirt ( # XXXX ) US {$22.00} View Item Negative feedback rating LIAR & THIEF! THERE WORD CAN'T BE TRUSTED! NO REFUND! No graphics on back! Buyer : a***k ( XXXX star icon for feedback score in between 50 to 99 ) During past month Feedback conversation B","date_sent_to_company":"2018-05-11T21:26:59.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"30044","tags":null,"has_narrative":true,"complaint_id":"2904217","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2018-05-11T19:57:09.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["You Say & Claim Buyer Protection, Now PLEASE Read Carefully as It Was By Your Own Agents Advice & Doing That These Claims Were Set Up & All Won in My Favor at That, and Yes a <em>High</em> Transaction <em>Rate</em>, Unusually <em>High</em> for an Unusually <em>High</em> Volume of Purchases, This is Totally Unfair & Unjust. \nYou Need to Look at Each One of These Individually Not Just as Another Number ..."]},"sort":[8.031483,"2904217"]},{"_index":"complaint-public-v1","_id":"10059520","_score":7.350804,"_source":{"product":"Checking or savings account","complaint_what_happened":"The funds in that accounts they closed belong to be and all equal about $ XXXX belong to me and no one else, this is why I had contacted XXXX for addtional help. The company that wired the funds on XX/XX/XXXX did contact B of A to unfreeze the account after speaking to me. \n\n\nBANK OF AMERICA SENT ME A LETTER STATING THAT THEY WILL NOT SEND ME MY FUNDS. \n\n\nI purchased a house from a lady and for many years I had been receiving emails and letters from Attorney XXXX XXXX since XX/XX/XXXX after I purchased his girlfriend 's friend 's home ( XXXX XXXX ) located at XXXX Deloise AveCerritos, CA XXXX I purchased the home as a Seller Finance/wrap around mortgage because at the time I only qualified for $ XXXX and she convinced me that it was best she stood on the loan and that she would help me. We agreed to a high Sales price of {$800000.00} ( close of escrow was XX/XX/XXXX ). The home was only appraised for $ XXXX at the time and an interest rate of 5.99 % which was high considering it was the coronavirus era. I paid the Seller her down payment of {$32000.00} as well as {$4600.00} a month mortgage and property taxes $ XXXX and hazard insurance $ XXXX. Since buying the home, XXXX XXXX ( her family attorney ) had sent me threatening letters telling me he will foreclose on me ( 1 month after buying the home because I told her tenants that were living there that I bought it when I was supposed to keep it a secret. She still had the home listed after I bought it trying to sell it to other people. I was scared so I recorded the deed when she asked me to wait 6 months to record it. I felt something very off about her business practices. XXXX XXXX threatened foreclosure the first year of buying it when I had proof of all payments being made on time as well as bank statements to show for it. Many times he didnt want to accept the proof I was showing and wrote me disgusting and hateful emails harassing me. \n\n\n\nOn XX/XX/XXXX, XXXX XXXX sent his girlfriend with whom he lives with in XXXX XXXX, XXXX XXXX to my home and she walked into the home at XXXX at night with XXXX XXXX XXXX the previous owner ) and started yelling at the tenants ( they had tenants they rented to when they sold the home to me ) and told them that they still own the home and that they need to continue to make their rent payments to XXXX XXXX not me-but all this was untrue as i technically owned the home at that point. XXXX XXXX owed them their security deposit and didnt want to give it back. I was truly scared because I was putting my 9 month old baby to sleep and I heard the renters yelling at her saying that she is a fraud because she just rented to them a week ago and then sold the house ( our deal took a few weeks to close so she shouldn't have done that ). The tenants even recorded this conversation so I have the recording saved. I then called the police for walking in unannounced at XXXX ( you dont buy a Home and the previous owner still comes in at night unannounced ), the police asked them to leave and we changed the locks the next day. Then again, XXXX XXXX showed up to my home for no reason on XX/XX/XXXX and stood outside from XXXX and took notes of who was coming in and out of the home and then he took pictures of all of the cars outside and was watching us looking into our windows from the outside. A week after, The water company showed up to the house and was outside turning my water off. I opened the door around XXXX to check the mail and there was a man outside that was shocked to see me. He yelled about XXXX feet away and asked XXXX XXXX, this house isnt empty? I got a call from the owner saying its empty. I told him no, I just bought the house. He then told me he would turn the water back on as the water company is not allowed to turn the water off if someone is living in the home. \n\n\n\nAfter 6 months of buying the home, XXXX XXXX threatened me saying I had to sell it back to the previous owner since the purchase contract states there's a potential buy back but it would had to be extended if its after 6 months. He e-mailed a check written by his girlfriend in my name in the amount of {$42000.00} on XXXX ( 3 days before the buy back contract expires ). I sent them contracts to see if they can perform on time but they finally gave me a XXXX  officers name on XXXX so I contacted XXXX and they said they can not close escrow in 1 day since they are closed on Saturday/Sunday. It is evident that XXXX XXXX and XXXX XXXX ( whom his girlfriend and him are linked to an investment to this property ) saw that after I bought the house is XX/XX/XXXX saw that the real estate market went up and most likely had a change of XXXX about their sales price of {$800000.00} ( when again the home was only worth about $ XXXX in XXXX ). They became greedy trying to take advantage and its obvious that they tried to change their sales price to $ XXXX when you see the complaint as they finally filed a lawsuit but nothing happened as the attorney yelled at XXXX XXXX in court and he quit while she still owes him $ XXXX. If they wanted to buy back, they needed to close within the 6 month timeframe or at least have some money ( $ XXXX buy back price ) deposited into the escrow account. I asked to receive the money or some type of proof delisted to escrow but when I called escrow they had nothing and said I would take XXXX dates to close the transaction. I gave the attorney XXXX document ( provided proof of email thread ) to close fast out of escrow as they had 3 days ( a weekend ) but they did NOT perform and said theyd only do the transaction this time with an escrow company which was interesting because we never used an escrow company the first time around. \n\n\n\nI cooperated with them on the buy-back sale and gave proof of XXXX documents that I supplied them with to sign for in order to close escrow within the 3 days remaining. They declined to close the sale on time and wanted to close this time with escrow ( the first time we closed without an escrow company. \n\n\n\nIn addition, 2 days after purchasing the home from XXXX XXXX, she was still showing the property to potential buyers and telling me that I can not record on the property until 6 months later. She wanted me to refinance the mortgage thats under her name with her but as long as she stays the lien holder which is illegal in the state of California and no loan officer will agree to this. I asked her to stop showing the house and to please take it off XXXX as it had sold and she refused. I had to contact XXXX and show them the purchase contract and deed recorded for them to remove the listing. \n\n\n\nI recorded the deed to protect my asset which was my {$32000.00} down payment, $ XXXX sales price when the home only was worth $ XXXX, a mortgage or {$4600.00}, {$670.00} in monthly property taxes, {$47.00} hazard insurance ; and an interest rate or XXXX  % not including homeowners insurance. \n\n\n\nShe also interfered with me refinancing and would not sign the release form to get a payout from the XXXX. She wants $ XXXX or more in her pocket but doesnt understand that XXXX XXXX XXXX has to get approximately $ XXXX from the XXXX. The $ XXXX that shes requesting doesnt go to her directly, it is minus $ XXXX. \n\n\n\nI decided to let her have the home back, escrow contacted her and she told them I no longer want it and if she buys it back its now $ XXXX minus legal fees and property depreciation as well as furniture fees plus gardening. That she never did. \n\n\n\nThus all of this had led to a lis pendens she filed because it was in escrow. She doesnt want the property she wants around $ XXXX more in what we agreed to on the sales price in XX/XX/XXXX. She even sent me a payout demand for $ XXXX when I only owe approximately $ XXXX ( will attach ). \n\n\n\nAll of this has resulted in XXXX XXXX and XXXX XXXX attempt to file litigation, then postpone litigation by falsely accusing me of being in foreclosure which is not the first time it has been since a few days of buying the home. When we were in court they decided to cancel everything and withdraw the lawsuit because they did not want a XXXX XXXX and because she knew she would not win. \n\n\n\nAs of XX/XX/XXXX the home was in escrow for $ XXXX and the buyer has their Earnest money deposit of {$26000.00} in escrow. I have spent {$16000.00} in home improvements upon buyers request such as replacing the air vents, the roof, and other minor repairs. Escrow was held up and couldn't close due to her not willing to sign the lien release and XXXX other documents.. Id like to file suit as it seems as theres no other option to sell and get the correct payout. \n\n\n\nThen I tried again to sell on XX/XX/XXXX, it was in escrow that day for $ XXXX with $ XXXX in credit for repairs to the buyer. And yet again, she was unwilling to sign the XXXX necessary papers escrow was asking her for. She hed up escrow for 2 months and said that she needs the money in her hands and then she will sign all the necessary documents needed. XXXX told her it doesnt work that way.She stated Wire me the $ XXXX and I will handle the rest of the paperwork after the money is in my bank account. It's apparent I have been dealing with someone not normal over the past few years. \n\n\n\nA demand letter was sent XX/XX/XXXX to XXXX XXXX to no avail. \n\n\n\nI was in a XXXX escrow for myself ( replacement home ) and they threatened to keep my earnest money deposit of {$27000.00} because I couldn't close on it as I needed a small amount of funds from the departing residence in order to have enough down payment. Thankfully I was still able to close on my home now, the lender adjusted my down payment. \n\n\n\nThen in XX/XX/XXXX, I am tired and I would love to sell this home because the whole situation is awful, evil, and toxic. But how can I sell it when she won't sign the lien release? \n\n\n\nI have made XXXX payments and I owed a [ proximately $ XXXX on my home. My last payment I made was XX/XX/XXXX. \n\n\n\nI also tried to refinance the home in XX/XX/XXXX with lender XXXX XXXX to get her off the loan and to have a clean title and she told the lender to ( excuse this language but ) XXXXXXXX XXXX  is what she told him, she was really evil and awful. \n\n\n\nShe even sent a wrong \" balloon payment '' to me less than a year from purchasing the home with the wrong amount owed. See attached. \n\n\n\nShe even fraudulently tried to charge me for gardening fees when there was no gardener at the time and I hired my own. She is trying to charge me $ XXXX for XXXX furniture that I begged her to pick up and sent her a letter to pick it up in 30 days as well as other things we did not agree to such as interest fees, etc. \n\n\n\nShe is unfortunately a criminal and most likely saw me as a young single mom, I dont typically have a victim mentally but when you see the attachments you will see why I feel targeted by her. I will attach everything I have as proof. I have XXXX Exhibits but I am only sending XXXX attachements so I do not burden you. I am so tired. So many people know of the situation and even the buyer 's agent on XXXX of the transactions said they are going to complain to the lender so I am not shocked that XXXX XXXX accelerated the loan and I sold MY house. She finally agreed and signed all paperwork in escrow because the lender called her out for all of her wrong doings and they threatened to criminalize her, I have this letter as well. I have been a target and a threat since I met her and bought my home in XX/XX/XXXX. This person is unethical and is not to be trusted. \n\n\n\nPlease mail my money back to me in a form of a cashiers check. I have recorded XXXX conversation with Bank of America when I called and all reps certainly informed me that my checks","date_sent_to_company":"2024-09-07T02:29:16.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"92648","tags":null,"has_narrative":true,"complaint_id":"10059520","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-09-07T02:20:40.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["We agreed to a <em>high</em> Sales price of {$800000.00} ( close of escrow was XX/XX/<em>XXXX</em> ). The home was only appraised for $ <em>XXXX</em> at the time and an interest <em>rate</em> of 5.99 % which was <em>high</em> considering it was the coronavirus era. I paid the Seller her down payment of {$32000.00} as well as {$4600.00} a month mortgage and property taxes $ <em>XXXX</em> and hazard insurance $ <em>XXXX</em>."]},"sort":[7.350804,"10059520"]},{"_index":"complaint-public-v1","_id":"8069859","_score":7.2281876,"_source":{"product":"Mortgage","complaint_what_happened":"On or about XX/XX/XXXX, I received a letter from Fifth Third Bank, stating they paid {$5100.00}, to XXXX XXXX for my property taxes on XX/XX/XXXX, and effective XX/XX/XXXX, my mortgage payment is {$2700.00}. This letter arrived 12 months after my first mortgage payment as the new homeowner of current property, which I purchased on XX/XX/XXXX, from the investors called XXXX XXXXXXXX XXXX XXXXXXXX and there was no realtor on the sale of the property. \n\nI immediately called Fifth Third Bank. I spoke with a representative, and I was told I was deficient in my escrow account. I stated thats incorrect. I informed the representative I paid at closing the amount of {$3700.00}, toward my XXXX property taxes and in addition I was given a tax credit by the seller in the amount of {$2400.00}, which totaled {$6100.00} at the closing of the purchase of my home. I stated I also paid State Farm for my mortgage insurance for a year and my HOA fees, which my down payment was over $ XXXX to close on my home. \n\nThe representative asked me to provide my closing docs which I emailed to XXXX, as requested. The representative stated once the documents are received and reviewed the correction would be made based on the documents submitted. \n\nI continuously called Fifth Third Bank at XXXX, on numerous dates and times. The automatic process to speak with a representative for your mortgage is not favorable when you do not have a checking or saving account with Fifth Third Bank. I spoke with several different representatives they stated my account is still in review. \n\nOn or about XX/XX/XXXX, I was assigned a case manager by the name of XXXX. The case manager XXXX was just a gatekeeper and did nothing to correct the calculation error by Fifth Third Bank escrow department. Even though I was told XXXX is the main point of contact. I would leave several messages requesting an update on my mortgage payment reflecting the correct amount before the next incorrect payment of {$2700.00}, due on XX/XX/XXXX. XXXX was nonresponsive. \n\nOn XX/XX/XXXX, I stated XXXX Ive been receiving a tremendous amount of inaccurate information from all parties I have spoken with at Fifth Third Bank. I stated I will contact the escrow attorneys office I closed with on XX/XX/XXXX, since I paid over $ XXXX at closing and they were responsible for disbursing all funds I paid for the year at closing, which reflects on my closing docs. XXXX continued to apologize and stated I will follow up with you to have a favorable resolution XXXX XXXX. Thanks! \n\nI reached out to XXXXXXXX XXXX XXXXXXXX and spoke with attorney XXXX. Per attorney XXXX, I received an additional tax credit in the amount of {$2400.00} and you paid also {$3700.00}, which gives you a total for XXXX XXXX Taxes {$6100.00}. Per attorney XXXX you are due a tax refund since Fifth Third Bank stated they paid XXXX XXXX taxes for XXXX, in the amount of {$5100.00}. Per attorney XXXX. I see XXXX XXXX assess property taxes for all XXXX XXXX residences in XXXX of each year. Per attorney XXXX XXXX XXXX, our office gave back the taxes you paid at closing to XXXX XXXX XXXX XXXX in the amount of {$3700.00}. Per your closing docs you are not escrow deficient and you are due an actual refund and Im sorry you are going through this with the escrow department at Fifth Third Bank. \n\nI asked attorney XXXX if he could confirm this with the assigned case manager XXXX at Fifth Third Bank. Attorney XXXX agreed and we placed a 3-way call to XXXX direct number. I left a voicemail message and attorney XXXX left one as well so XXXX would know Attorney XXXX was on the call when I left my voicemail, and he would speak with him to clear up the processing error Fifth Third Bank escrow department had made. I continued to follow up with XXXX and continued to receive his voicemail. I reached out to Attorney XXXX to see if XXXX contacted him, and per attorney XXXX stated no. \n\nOn XX/XX/XXXX. I reached out to Fifth Third Bank at the XXXX #. I asked to speak with an escrow manager I was transferred to XXXX. Manager XXXX reviewed my account and stated the reason why your mortgage is {$2700.00}, we paid your XXXX taxes to XXXX XXXX in the amount of {$5100.00}, which caused the escrow shortage per the analysis that was completed XXXX on your escrow account. I stated Fifth Third Bank escrow department did an analysis assessment 12 months later from XX/XX/XXXX, to XX/XX/XXXX, which I paid {$680.00} monthly into my escrow account which equals {$8200.00}. I also, stated this amount doesnt include the taxes Fifth Third Bank received when they bought my loan from XXXX XXXX XXXX XXXX in the amount of {$3700.00}, in addition to the seller tax credit of {$2400.00}, which adds up to $ XXXX $ XXXX {$14000.00} in my escrow account from XX/XX/XXXX, to XXXX XXXX. So, there is no way I could be escrow deficient during the assessment analysis. \n\nXXXX XXXX stated XXXX XXXX our system shows you paid into escrow from your first mortgage payment on XX/XX/XXXX, to XX/XX/XXXX, totaling {$12000.00}. I asked why am I being bullied by Fifth Third Bank? And force to pay {$2700.00}. XXXX? Per XXXX Fifth Third Bank bought your loan from XXXX XXXX XXXX XXXX and Fifth Third Bank can do has they please to your loan since Fifth Third Bank owns it. I stated thats not true. Fifth Third Bank can not change the terms and conditions of my loan. Per XXXX the decision for you to pay {$2700.00} stands and is non-negotiable. I stated everything is negotiable especially when its incorrect. Manager XXXX ended the call. I immediately reached out to case manager XXXX ; he was unavailable. I left him a voicemail of the conversation I just had with escrow manager XXXX. \n\nOn XX/XX/XXXX, once again I received case manager XXXX voicemail. I left voicemail message stating Ive been waiting to speak with you because the message I received from escrow manager XXXX, was confusing, on one hand Im not escrow deficient, but manager XXXX stated since Fifth Third Bank owns my loan they can do as they please. I called and left you a voicemail after speaking with XXXX on XX/XX/XXXX. \n\nAlso, on XX/XX/XXXX, I called XXXX # and spoke with a young lady for over 1 hour and 43 minutes about my account stating what escrow manager XXXX said. The young stated Fifth Third Bank calculated your new mortgage payment at {$1700.00}, in addition to your escrow of {$940.00}, give you a mortgage of {$2700.00}. I stated, my P & I is {$1400.00} not {$1700.00}. I stated Fifth Third Bank as definitely changed the terms of my loan which they can not do since they bought my loan from the previous lender AS IS. \n\nThe young lady had a unique name unfortunately, I was out and about and couldnt write her name down. The young placed me on hold to review my account. The young lady stated I was able to locate the error Fifth Third Bank made on the analysis, which she stated my mortgage payment should not be as high as it is showing. The young lady stated please allow me to send this up and have our Escrow department make the correction and get this right, XXXX XXXX. Im sorry for the inconvenience this has caused you. I asked how long it was because my XXXX payment is due and its still showing {$2700.00}, and this has caused me great hardship and mental stress. The young lady said, XXXX XXXX, once again Im so sorry for the inconvenience. Please allow XXXX business days. \n\nAfter speaking to the young lady on Friday, XX/XX/XXXX, I did not receive a follow up from the escrow department regarding the error discovery by the young lady. I called case manager XXXX once again received his voicemail just to leave another message. \n\nOn Friday, XX/XX/XXXX, I asked to speak to Fifth Third Bank legal department. I was told Fifth Third Bank doesnt have a legal department. I asked to speak to Fifth Third Bank compliance department. I was told Fifth Third Bank doesnt have a compliance department. I told the caller every company has a legal department and or compliance department. So, I asked who is over XXXX, I was transferred to XXXX, she acknowledged herself as an escrow manager. \n\nXXXX placed me on hold to review my account. XXXX stated that my escrow is {$740.00}, which includes XXXX, XXXX XXXX taxes, the City of XXXX XXXX, and XXXX XXXX XXXX. I stated XXXX XXXX XXXXXXXX XXXX is our new community waste management provider and that bill was to come to me directly. XXXX XXXX stated its not much monthly. Per XXXX XXXX Fifth Third Bank requires you to have XXXX months of advance funds in escrow for cushion. \n\nI stated to XXXX XXXX Fifth Third Bank bought my loan AS IS, I stated Fifth Third Bank can not change the terms and conditions of my loan. I purchased my home on XX/XX/XXXX, I have a Conventional Loan, I have a Fix rate. I have no prepay penalties. I have no funds needed in reverses for a cushion. I stated your company business practice is illegal. Per XXXX, XXXX XXXX, we can do as we please to your loan since we own the loan. I stated no you cant! And if what you are telling me is true, please send me the documents which state Fifth Third Bank can change the terms and conditions of my loan as they please. \n\nI stated to XXXX, you told me that my escrow is {$740.00}, correct? Yes, XXXX XXXX, that means my mortgage for XX/XX/XXXX, will be {$2200.00}, XXXX XXXX was silent, and she stated you are correct, because your P & I {$1400.00}. I stated XXXX XXXX the escrow is still high. But the payment of {$2200.00} is better than paying {$2700.00}, because Fifth Third Bank has caused me great hardship and mental stress. \n\nXXXX XXXX stated I will get this corrected! XXXX XXXX and have XXXX to contact you. I stated I no longer want XXXX to handle my case. XXXX was assigned to me back in XX/XX/XXXX and here its close to the end of XX/XX/XXXX, and Im still being financially bullied and harassed by your escrow department and Fifth Third Bank as a whole. I was told Fifth Third Bank doesnt have a legal or compliance department. Per XXXX we do have a legal department their Fifth Third Bank attorneys and customers do not have access to them. I asked who was over XXXX, XXXX stated XXXX is XXXX XXXX. I asked could you have XXXX to call me. Per XXXX Im emailing XXXX now I asked to be copied on the email XXXX told me she could not. But XXXX will call me, XXXX XXXX, please allow 3 business days. \n\nInstead of receiving a call from XXXX, as promised by XXXX. I received a call from case manager XXXX, telling me that he spoke with XXXX and the XXXX months of advance funds are required for escrow and thats why your monthly mortgage is {$2700.00}. I stated thats illegal Fifth Third Bank can not change the terms and conditions of my loan. \n\nI stated XXXX told me my escrow is {$740.00}, and with my P & I of {$1400.00}, my XX/XX/XXXX, will be {$2200.00}. XXXX stated the only way to bring your payment down you must issue the XXXX check refund you received in the amount of {$840.00}, credit and the principal amounts you paid for XXXX months we can add that and that will bring your monthly payment down to the {$2200.00}. XXXX! I still need to speak with your manager XXXX, to report the mishandling and misprocessing of my mortgage loan with Fifth Third Bank. \n\nXXXX told me Im not allowed to speak directly to XXXX. I stated I was told by XXXX I would receive a call within 3 days from XXXX and she emailed XXXX while I was on the phone stating the correction of my mortgage should reflect the {$2200.00}, for XX/XX/XXXX, and moving forward, which I told XXXX that was still too high, but it was better than {$2700.00}. XXXX told me Im not allowed to speak with XXXX, but he can refer me to XXXX. I stated, I dont trust no one at your bank institution because I have been bullied and put in great hardship and mental stress, with the inaccurate calculation of my mortgage payments and no one can tell me where my {$14000.00}, in escrow went to from XX/XX/XXXX to XX/XX/XXXX and per XXXX XXXX XX/XX/XXXX, Fifth Third Bank system showed the total I paid into escrow from XX/XX/XXXX to XX/XX/XXXX, was {$12000.00}, where is my escrow money? \n\nI asked XXXX, XXXX, and XXXX all to send me documents showing that Fifth Third Bank can change the terms and conditions of my mortgage loan they bought from XXXX XXXX XXXX XXXX. XXXX stated do you want to speak with XXXX are not. I stated if I dont speak with XXXX XXXX Im forced to continue paying this unlawful mortgage payment of {$2700.00}? \n\nOn XX/XX/XXXX, I left a recorded voicemail for XXXX, researched my rights as a consumer and I provide a very detail voicemail stating the calculation of escrow which I followed the money and I have proving documents showing that Fifth Third Bank as changed my terms and conditions and has caused my escrow to reflect inaccurate escrow shortage. \n\nOn XX/XX/XXXX, I left a recorded voicemail for XXXX in detail. I provided a breakdown of how Fifth Third Bank manipulated their systems to reflect an escrow shortage when I was never at an escrow shortage when Fifth Third Bank did an analysis assessment on or after XX/XX/XXXX. I also stated XXXX left me a voicemail message apologizing and stated she was taking ownership of my account and allow her time to make the necessary correction I stated XXXX did not leave a contact number for me to call her back. \n\nAs of today, I havent heard from XXXX since she took ownership of my complaint. I received a statement from Fifth Third Bank via US mail last week which Fifth Third Bank has applied unwarranted late fees to reflect on my mortgage. I have never been late on my mortgage payments! \n\nIm writing this complaint against Fifth Third Bank to be investigated for their illegal financial practices and I know Im not the only customer they are mishandling and misprocessing escrow accounts. Ive only had a mortgage for XXXX months at the time Fifth Third Bank created unwarranted late fees and mailed the statement to me via US mail. Once again, I have never been late with my mortgage payments. I did not have a realtor for the sale of my home, which I purchased from an investment group called XXXX XXXX XXXX XXXX. \n\nI also discovered that my MI of {$140.00}, is incorrect which Fifth Third Bank has charged me since my first mortgage payment on XX/XX/XXXX, and every month Fifth Third Bank subtracted the MI of {$140.00}, from my escrow account. In addition, Fifth Third Bank has subtracted the MI of {$140.00}, twice a month. I have attached my mortgage statements which I was able to access via Fifth Third Bank website at XXXX. \n\nI have attached my closing docs I signed on XX/XX/XXXX, which shows my MI is {$140.00}. I also received a copy of my closing docs via US mail with the posted stamp dated XX/XX/XXXX, from the previous lender XXXX XXXX XXXX XXXX shows my MI is {$140.00}. \n\nThe incorrect MI applied by Fifth Third Bank is another example of how this bank institution manipulated their system for their financial gain and deceived me as the customer. The documents I have submitted show that I was never escrow deficient and Fifth Third Bank had no right to cause my mortgage payments to be {$2700.00} for the past 3 months and theres no legal cause to justify why my mortgage went from {$2100.00} to {$2700.00}. \n\nIm requesting that my mortgage reflect my correct MI of {$140.00}, P & I {$1400.00}, Property Tax for XXXX, and my current XXXX XXXX XXXX and XXXX XXXX XXXX. Im hoping to be effective XX/XX/XXXX, if not no later than XX/XX/XXXX. I would like to have all the monies Fifth Third Bank stole from me and caused me great hardship and mental stress with interest and a right to file a lawsuit and bring this issue public because I know Im not the only customer who has been victimize by Fifth Third Bank escrow department. \n\nI can be reached at XXXX and XXXX and emailed at XXXX. \n\nKind regards, XXXX XXXX","date_sent_to_company":"2023-12-29T04:39:57.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"8069859","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2023-12-29T04:06:27.000Z","state":"GA","company_public_response":null,"sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["I stated <em>XXXX</em> <em>XXXX</em> the escrow is still <em>high</em>. But the payment of {$2200.00} is better than paying {$2700.00}, because Fifth Third Bank has caused me great hardship and mental stress. \n\n<em>XXXX</em> <em>XXXX</em> stated I will get this corrected! <em>XXXX</em> <em>XXXX</em> and have <em>XXXX</em> to contact you. I stated I no longer want <em>XXXX</em> to handle my case."]},"sort":[7.2281876,"8069859"]},{"_index":"complaint-public-v1","_id":"2598986","_score":6.99797,"_source":{"product":"Mortgage","complaint_what_happened":"To be sure you have this I am opening my own complaint. The email below is what I received from the FDIC. I was told by my attorney general 's office to file a complaint with the FDIC. Now they are pushing this on as is detailed in their brief email below. I have put in after the FDIC email the complaint I filed with the FDIC. Thanks, sorry the length of all this. I 've enclosed the details as a separate document as well. XX/XX/XXXX Ref. No : XXXX Re : Citibank, National Association, XXXX XXXX, SD ( CitiFinancial/OneMain Financial ) Dear XXXX and XXXX XXXX : Thank you for contacting the Federal Deposit Insurance Corporation ( FDIC ). The FDIC 's mission is to ensure the stability of, and public  confidence in, the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XX/XX/XXXX. The Dodd-Frank Wall Street Reform and Consumer Protection Act created the Consumer Financial Protection Bureau ( CFPB ). Based on our review of the issues you raise in your correspondence, we believe your concerns should be referred to the CFPB for assistance. We are forwarding your correspondence to the CFPB at the address below. Sincerely, Consumer Response Center To : CFPB From : XXXX XXXX Date : XX/XX/XXXX Re : A loan with CitiFinancial, a subsidiary of Citibank This document describes details and actions about a loan my wife and I had with CitiFinancial. We firmly believe that we are the victims of embezzlement and fraud to cover up this known act that was perpetrated by an employee within CitiFinancial. During the tenure of the loan, we believe CitiFinancial and their employees deliberately with malicious intent, violated multiple federal and state rules and regulations regarding loans to consumers within the State of Ohio. We firmly believe CitiFinancial should be held accountable for their actions against us and for any others that may have been erroneously vilified, maliciously harassed, deliberately cheated and swindled out of money. This is the details. In XX/XX/XXXX, we secured a 2nd mortgage against our house with XXXX XXXX. The 2nd mortgage was for {$15000.00}, for a ten year loan. A copy of the original loan application and paperwork are available for inspection. The loan was sold to CitiFinancial almost immediately. A copy of the sale or transfer to CitiFinancial is available for inspection. We made payments per the original loan agreement. We fell behind a couple times but we always caught the loan back up per the manager at the time with CitiFinancial, and per the entries in the spreadsheet from CitiFinancial ( more about the spreadsheet later ). During the course of the loan, from time to time, we were offered by CitiFinancial a Skip a Payment option. The option was to skip a monthly current payment, dont make it for the month. The payment would be added onto the end of the loan. No extra costs were incurred for this. In essence the same number of payments would be made per the original loan agreement, but the period to make these payments would get extended by one month. We accepted this offer from CitiFinancial several times. When I asked the then current manager of CitiFinancial in XX/XX/XXXX, how many of these skip a payments we had accepted, I was told a total of 12. However in the spreadsheet sent to us by the CitiFinancial manger, ( which was the CitiFinancial bookfor our loan ), I can only count 10 of these. Using 10 as the correct number, our loan was extended 10 extra months. During the last almost 4 years of the loan we made every payment on time per the loan agreement. The credit reporting bureaus showed this at one time. The credit bureaus were able to verify this, until XX/XX/XXXX, when CitiFinancial dropped our payment history and replaced it with extremely damaging information. The first payment was due on XX/XX/XXXX. Per the loan, 120 payments ( ten years ) for the loan means the last payment would be XX/XX/XXXX. CitiFinancial provided a letter stating these exact same facts. Because of the ten Skip a Payments the new final payment should have been XX/XX/XXXX. The original loan agreement specified that the total interest or finance charge would be {$15000.00} for the ten years. The original loan amount was {$15000.00}. The annual percentage rate was 15.666 %. The total of payments would be {$30000.00}. During the tenure of the loan, about 2.5 3 years into it we ran into some financial difficulties. Payments were late. But we caught the loan up. At one point during our financial difficulties, in XX/XX/XXXX, the then CitiFinancial manager XXXX stalked me at my house. I had never met XXXX, nor had my wife. The only way he could have known who I was, was by stalking me at my house. Watching when I left, and when I returned. Who else was going in and out of our house. When I left for work one morning, I rode the bus at the time, he stopped me on my way to catch the bus at the bus stop! He told me who he was and he demanded payment! I had never met him before and to say I was dumbfounded was an understatement. He was yelling at me as my bus pulled up. All I could think of doing at that point was saying I had to leave and that I would have my wife try to get some money to him later that day. I called my wife at work and told her what had happened. She said she would try and borrow some money and get it to him. I went on about my work. Later that day I caught the bus home. I got off the bus and walked part way home when XXXX showed up again. He blocked me from continuing home. He yelled my wife had not contacted him and he wanted payment! I again was dumbfounded and to be honest a little scared. I told him I had not had a chance to talk to my wife since this morning and I would be talking to her as soon as I got home. He yelled some more things and I finally said look I cant do anything here let me go home and see what we can do. He said I had better have the money the next day, and left. I got home told my wife again what had happened and with a lot of tears she finally got a friend to loan us some money. We dropped it in the CitiFinancial branch office mail slot that night. That was the largest payment we ever made to CitiFinancial, but it was what XXXX had demanded be made. As I stated before, I had never met XXXX before that. I have never been in the XXXX, XXXX office, which is now closed. Nor have I ever met any of the other XXXX XXXX office employees. But I can describe XXXX and the vehicle he was driving to prove I am not lying about this, as crazy as it sounds. Sometime in XX/XX/XXXX we were looking at paying off CitiFinancial. In XX/XX/XXXX, I asked the new manager at CitiFinancial, XXXX, how many Skip a Payments I had received over the ten years. She told me then that we had received 12 of them. Since we had paid 5 in XXXX, only 7 should have been left, using her count. My wife pays the bills so I do not regularly look at the monthly statements. I looked at the XX/XX/XXXX statement and it indicated that {$7900.00} was still due on the loan. That was impossible! Only 7 payments was due approximately {$1700.00}. A whopping difference of over {$6000.00}! I contacted the CitiFinancial office, and talked to the manager XXXX, again. I told her the payoff amount could not be correct. There were only 7 more payments to be made. She said their payoff amount was correct and that I was wrong. I started looking at the statements we had and the tax information received from them and the original loan agreement. During this time we made the XX/XX/XXXX payment, so by my understanding only 6 payments should have been left. I called XXXX back and told her they were incorrect about the amount owed. I told her about the total number of payments and that only 6 were left. She would not listen to me. She insisted I had to pay the {$7900.00} amount. I told her I would not pay it. A couple days later I received a collection agency request for full payment. I disputed the validity of the debt. The collection agency then sent me a copy of the CitiFinancial spreadsheet used by them to record the payments. The spreadsheet shows interest and principal per payment, late payments, when a payment was received, when it was booked to the account, etc. We believe we were the only customers of the XXXX office that the manager sent a copy of the account spreadsheet to. I went thru this and counted up all the payments made and those skipped. I also went back and pulled all my tax records and looked at the interest reported to the IRS for XX/XX/XXXX thru XX/XX/XXXX. I totaled the interest up. It came up to + {$21000.00}! The original loan said that for the 120 payments the maximum amount of interest that could be charged was {$15000.00}. I was overcharged in interest by over {$6000.00}. The amount of overcharge should have been applied to the principal. Had CitiFinancial done that there would have been no problem. Yearly, from the first payment of the loan, the principal and interest was miscalculated by CitiFinancial employees. I contacted CitiFinancial several times about their mistake by phone and mail. They refused to listen to me. Demanded payment or lose my home. Then I received a demand for full payment from XXXX XXXX XXXX attorney at law. The amount being demanded was {$7800.00}. Im not sure how they came up with {$7800.00}. The XX/XX/XXXX/ XX/XX/XXXX monthly statement shows {$7900.00} as the total amount due. However in all correspondence since the demand has been for {$7800.00}. I received letters and phone calls from both CitiFinancial and XXXX XXXX XXXX office. Thats when I contacted an attorney about the problem. Their advice back then was dont pay them anymore. They will sue you and when they do we will counter sue. This was XXXX XXXX, in XXXX. XXXX followed up with me in XX/XX/XXXX to see if CitiFinancial was suing me. I told him they had not at that point as far as I could tell. He said just wait they will. Well, CitiFinancial did not sue us, or take our home, or try to take it. In XX/XX/XXXX, after sending a letter to the CitiFinancial home office complaining of the harassing phone calls, I received a letter from OneMain Financial saying they would stop the phone calls, at home and at work. They did abide by this. They continued to send monthly statements up through XX/XX/XXXX. It was during this period CitiFinancial renamed their company to OneMain Financial. The statements from XX/XX/XXXX to XX/XX/XXXX were from OneMain Financial. In XX/XX/XXXX XXXX, a collection agency, sent me a letter telling me the account was turned over to them. There was one phone call from them shortly thereafter in XX/XX/XXXX. The gentleman on the phone, XXXX XXXX was polite and asked why we quit paying on the loan after 4 years with no problems. I explained what the problem was. He said thank you and I never heard from him or anyone else from XXXX or CitiFinancial until XX/XX/XXXX. However in XX/XX/XXXX CitiFinancial absolutely wrecked my credit rating. They reported something called a charge off with lien to the credit reporting agencies. Because of this : we were unable to refinance our house, we paid extra for credit when we did get it, we were denied credit, we had to have family help when we could not get credit. They have cost us thousands upon thousands of dollars. We have an 8.00 % mortgage, which at the time still had 17 years to go. Plus the high interest on a new car loan in XX/XX/XXXX, and so on. Not to mention the embarrassment of having to ask family for financial help. In XX/XX/XXXX I received a letter from CitiFinancial saying the account was being transferred to another CitiFinancial office in XXXX North Carolina. The account number was being changed because of this. Yet again I called the North Carolina office and tried to explain the problems, but to no avail. They started sending me monthly statements from XX/XX/XXXX through XX/XX/XXXX. They also started reporting a charge off with lien to the credit reporting agencies. So now my credit report shows two of these items : one from OneMain Financial, and one from CitiFinancial North Carolina. To say my credit rating was beyond poor would be an understatement. Then the really big bombshell hit in XX/XX/XXXX. After all the complaining I had done, telling them they really needed to look at the actual numbers of the loan they sent me a letter stating : The lien securing your mortgage will be released. Additionally, we have agreed to forgive all of the balance on your mortgage in the amount of {$7800.00}, and any other amounts related to that mortgage. Oh and by the way you XXXX have to report this as income since we are sending a XXXX to the IRS stating that we forgave you. To say I was highly irate would be an understatement. They were forgiving us for their actions, and after everything else they had cost us they were having us pay more in taxes for their stupidity!! Needless to say, I contacted them once again and tried to straighten this out and tell them they could not do this. Once again they told me I didnt know what I was talking about, and ( this is very interesting ), that we were part of a select group of individuals that CitiFinancial was doing this for. That is important to remember, because if the other customer loans were handled like mine was, then there are a lot of other people out there that CitiFinancial owes money and apologies to. Thats when I hung up because thats when I realized they actually had reviewed the account and realized their mistakes, or fraudulent employee actions, and this was their way of covering it up, so that the IRS, SEC, State and Federal government agencies would not know about it. Of course I claimed the XXXX amount as required and paid extra taxes because of it. I contacted XXXX XXXX, again about this. The one I had contacted before, telling him and giving him everything I had. This was XX/XX/XXXX. At that time he said he wanted the case. I provided him a copy of the spreadsheet. He said he would have some experts look it over. Eventually they filed a lawsuit against CitiFinancial in XX/XX/XXXX, or at least it looks like they did. It took so long to file this because he kept trying to figure out a way to make this a class action suit. By this time I also started sensing that maybe he did not want to take this case anymore. CitiFinancial came back and told him that we didnt make the very first payment on the loan and that all the interest due was because of that. They used the verbiage about how the interest is calculated as their excuse. This was when I really started doubting XXXX XXXX wanted the case. Also, Im a bit hesitant to say it but I think my attorneys were not well versed in contractual financial agreements. He told me I had to produce evidence that the first payment was made by producing a copy of the cancelled check. Something I or my bank was supposed to have from 17 years ago. Not hardly. I said CitiFinancial knows we cant produce something like that, thats why they are using this as their argument. My attorneys advice was to drop the case without it, so he did. However my argument is that the spreadsheet itself is all the proof that is needed to show how unscrupulous, deceiving, and illicit CitiFinancial actions have been. I went back after XXXX dropped the case and looked over the spreadsheet very closely. I had not done this before, because I had assumed when XXXX said he would have experts look over the spreadsheet that they would have identified any irregularities, other than principal and interest being wrong. I gave him the spreadsheet back in XX/XX/XXXX. After all they were supposed to be professionals. Boy was I wrong! I found many errors and faults, entries that look more like someone covering up illicit activity. And clear without a doubt evidence that we did indeed make the very first payment on time.\nBriefly CitiFinancial messed the account up from the very first payment. The spreadsheet shows this.\nThe very first and second entries, spreadsheet items\n1 and 2 appear to be some kind of setup codes. The next entry, item 3, has a pmt code, for a payment. The da\ntes for the pmt entries are the key. The dates show date payment was received, date payment was booked, and date for which payment it applies to, in that order. Entry 3 shows XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. That means on XX/XX/XXXX they received a payment from us for {$250.00}, they booked it to the account on XX/XX/XXXX, and they booked it to ..the wrong payment!!!! They booked it to the XX/XX/XXXX payment!! It should have been booked to the XX/XX/XXXX payment!!! That is their missing payment! This could have been an honest mistake, but I dont believe it was because of later entries. I believe that CitiFinancial deliberately skipped the first payment entry. I believe this is a tactic used to cheat their customers. I contacted XXXX about this but he was not interested in pursuing the case. I then looked more closely at the spreadsheet entries for other irregular items. Since I knew that the first payment was made, and on time, I looked at the next couple of entries to see if this was deliberate illicit activity and not just a mistake. When I was employed at XXXX XXXX XXXX we got paid every two weeks. That generally meant our bills got paid up to two weeks late or two weeks early, or on time. Looking at the other entries : Entry 4 the XX/XX/XXXX date was the XX/XX/XXXX payment, within the 15 days to avoid a late penalty per the contract, Entry 5 the XX/XX/XXXX date was the XX/XX/XXXX payment, again within the 15 days to avoid a late penalty. Things get strange at Entry 6. Rather than being a pmt code its an xpmt code. I believe in XX/XX/XXXX they got two payments in. The xpmt code indicates extra payment. I believe what happened is this. In XX/XX/XXXX somewhere between XX/XX/XXXX and XX/XX/XXXX CitiFinancial got a payment in for the XX/XX/XXXX payment from us. They already had the XX/XX/XXXX payment booked so they booked this to the XX/XX/XXXX payment. Then on XXXX XXXX they got another payment in from us for the XX/XX/XXXX payment. We made two payments in XX/XX/XXXX because in XX/XX/XXXX XX/XX/XXXX we received our tax return. Im sure when the extra XX/XX/XXXX payment came in they took the opportunity to pocket the money. They then keyed over the existing XX/XX/XXXX entry with the XX/XX/XXXX entry. But somebody made a notation on the pmt as xpmt, indicating two payments were in. They did this in case anyone caught on to what they were doing and they could claim a simple mistake, and correct it That extra payment went right into the managers pocket XXXX or one of his cohorts in crime. Another fact at this point of the loan. The interest and principal were wrong for these first five payment entries. I noted this in my spreadsheet issues, but within the first XXXX payments, we had already been swindled out of {$170.00}. Money that should have been applied to the principal but was applied to the interest instead. Every payment after these five were wrong for the interest and principal as well. Not only did they calculate them wrong, looks more like they threw darts at a number, they used the wrong interest rate per their own spreadsheet on each and every payment entry as well. Entries 7, 8, 9, 10 are probably correct for dates and payments only. From here on there are many more unusual, abnormal entries that look like the workings of someone stealing from their employer. I believe XXXX and possibly one or two others in the XXXX office were embezzling money from CitiFinancial. They used the high interest collected for CitiFinancial to cover their theft from CitiFinancial executives and superiors. Since the office was doing well, there was no reason for CitiFinancial to send anyone from the home office to review the accounts. After all CitiFinancial was making very good money. At some point after XX/XX/XXXX, we believe CitiFinancial caught on to Jasons embezzlement. This might explain why he was so desperate to get money from us in XX/XX/XXXX, to keep the home office from reviewing accounts. Rather than turn XXXX in and put money back into the accounts and straighten them out, CitiFinancial decided to cover it up letting XXXX go. There must have been substantial theft or costs to be incurred by CitiFinancial to decide to pursue this course. Apparently CitiFinancial executives thought they could just cheat their customers out of more money to reduce their losses. I realize the embezzlement accusation is just that. Without proof it is nothing more, but the spreadsheet entries clearly suggest something irregular was going on. I do believe the spreadsheet is a smoking gun showing multiple irregularities that may be criminal in nature or violations of state and or federal rules and regulations concerning loans. I know XXXX stalking me had to be a violation, and or criminal action. Because of his actions stalking me I would not put it past him to have been embezzling from CitiFinancial. I also believe the actions taken by CitiFinancial to cover up this theft and still try to recover money may be criminal as well. As mentioned previously I have a copy of the original contract taken out with XXXX XXXX, a copy of a spreadsheet from CitiFinancial used by them to service the loan, a spreadsheet that contains every irregular or illicit entry and other erroneous information found in the CitiFinancial spreadsheet, an estimate of what I believe are my damages to date, and this letter documenting the details. I also have many other documents as well pertaining to this. All are available if requested. Out on the internet you can find many complaints by other CitiFinancial customers complaining about the same thing as methat the principal does not decrease as the payments are made. Lots of complaints. Thats why I think the handling of my loan was no accident. After seeing the many complaints on the internet I am led to believe that illicit activity within the CitiFinancial offices is more the norm than the exception. Worse though it that CitiFinancial executives would rather hide or cover up these problems than publicly admit them, or put safeguards in place to prevent them. At a minimum the XXXX XXXX office cheated me and perhaps many other customers. That might be one reason it was closed. That might also be whom was referred to by the CitiFinancial customer rep I called in XXXX XXXX. There may be a group of CitiFinancial customers from the XXXX office that got the forgiveness deal. Most likely all of them were cheated by CitiFinancial as well. Could my account handling be one of many throughout CitiFinancials many offices? Maybe. If so then this problem is a much larger and bigger problem. Perhaps larger than the recent XXXX XXXX fiasco. Another point to make is not only were my taxes filed incorrectly for the years of the loan, CitiFinancials yearly statements were incorrect as well. They did not make as much money as they said they did. Maybe the SEC might want to look at this too? I still do not know if the IRS will require me to refile or audit any of the years XXXX XXXX of my tax returns. Perhaps the IRS will want to re-audit CitiFinancial for these years as well, especially if criminal activity was going on. And of course our credit rating is still suffering because of them. Seven long years and counting. I still can not refinance my home because of the credit entries. Just losing more money every day. We are still paying. Paying for the deliberate illicit actions done to us. It just isnt right. XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXXXXXXXXXX I 'm attaching the CitiFinancial spreadsheet which is a pdf image of the original document sent to me. Also attaching the contract, a spreadsheet I created pointing out every irregular, incorrect or illicit looking item in the spreadsheet, and a list of damages I believe I have to date. The CitiFinancial spreadsheet I have is a copy of the original. I scanned this in and made it a PDF image document. When you open the document, most likely you use XXXX PDF reader, you have to rotate the image, right click on the document and a box/window opens in it you will see rotate image command. You need to click on the rotate command. You will need to do this three times to get the image appearing correctly. Finally again I have a copy. They shrank the original document down to fit an 8.5 x 11 paper size. Makes it very small. But XXXX PDF gives you the ability to increase the image size, the plus or minus buttons around the middle top. I usually go to 125 or 150. You can clearly make out the characters at these levels.","date_sent_to_company":"2017-08-09T04:42:58.000Z","issue":"Trouble during payment process","sub_product":"Other type of mortgage","zip_code":"45230","tags":null,"has_narrative":true,"complaint_id":"2598986","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2017-08-09T00:10:16.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Thats</em> when I hung up because <em>thats</em> when I realized they actually had reviewed the account and realized their mistakes, or fraudulent employee actions, and this was their way of covering it up, so that the IRS, SEC, State and Federal government agencies would not know about it. Of course I claimed the <em>XXXX</em> amount as required and paid extra taxes because of it. I contacted <em>XXXX</em> <em>XXXX</em>, again about this. The one I had contacted before, telling him and giving him everything I had."]},"sort":[6.99797,"2598986"]},{"_index":"complaint-public-v1","_id":"5830796","_score":6.8878174,"_source":{"product":"Mortgage","complaint_what_happened":"Complaint ID # XXXX What date did the federal government, ( using tax payers dollars ), bailout the banks in the great housing market fraud crash of XXXX, including Bank of America , fka Countrywide Home Loans? \n\nThe Emergency Economic Stabilization Act of XXXX, often called the \" bank bailout of XXXX  '', was proposed by Treasury Secretary XXXX XXXX, passed by the 110th United States Congress, and signed into law by President George W. Bush. It became law as part of Public Law 110-343 on XX/XX/XXXX, in the midst of the financial crisis of XXXX. It created the {$900.00} billion Troubled Asset Relief Program ( TARP ) to purchase toxic assets from banks. The funds were mostly redirected to inject capital into banks and other financial institutions while the Treasury continued to examine the usefulness of targeted asset purchases. \n\nThe glaring problem? In their rush to, so-call Save the Banks- the Federal Government ignored the largely innocent, completely unaware and disadvantaged homeowners, ( whos backs, - lets face it this bailout fell on and injured the most ). \n\nAll as a result of the devastation caused by the deceptive fraud and greed in lending, appraisal, as well as servicing practices committed by gigantic financial institutions such as Countrywide Home Loans, currently known as Bank of America N.A. Home Loans. \n\nWednesday, XX/XX/XXXX Contact : ( XXXX ) XXXX, XXXX https : //oag.ca.gov/news/press-releases/brown-sues-countrywide-mortgage-deception On XX/XX/XXXX, California Attorney General XXXX XXXX XXXX sues XXXX XXXXXXXX, its chief XXXX XXXX XXXX, and XXXX XXXX XXXX, for engaging in deceptive advertising and unfair competition. \n\nEVIDENCE : * * * 1 ) The lawsuits described a vast \" conspiracy '' in which Countrywide provided financial incentives to large networks of brokers in exchange for their duping borrowers into taking out toxic loans. \n\n2 ) For several years, the scam worked. Countrywide grew from originating {$62.00} billion in loans in XXXX  to more than {$460.00} billion in XXXX, 3 ) while the lenders securities trading volume more than quintupled, from {$640.00} billion in XXXX  to {$3.00} trillion in XXXX.\n\n4 ) The companys CEO, the flashily dressed and perma-tanned XXXX XXXX XXXX became one of the highest-paid executives in the nation, with an influence on markets approaching that of XXXX XXXX. \n\n5 ) The state lawsuits expose just how Countrywide built its sprawling empire.\n\n6 ) One common loan product that came under harsh criticism in the lawsuit was the hybrid adjustable-rate mortgage, or ARM, in which mortgage rates were fixed for two to three years while borrowers made interest-only payments.\n\n7 ) Afterward borrowers got hit with \" payment shock '' when mortgage principal was added onto their monthly payments just as the starter interest rate converted to a variable rate that could shoot up to as high as 15 percent. \n\n8 ) XXXX lawsuit charges that Countrywides goal was to generate loans that paid the highest possible interest ratenot loans that offered the best deal for their customers. \n9 ) Low-income, first-time homebuyers became some of the best targets : the riskier the loan, the higher the interest rate. \n10 ) Countrywide packaged many of these loans into mortgage-backed securities and sold them to XXXX XXXX for windfall profits. \nXXXX ) Securities comprising Countrywide loans were in turn used to structure collateralized debt obligations, or CDOs, the implosion of which almost brought down the US financial system.\n\n12 ) Risky Countrywide loans were linked to some of the most toxic CDOs. \n\n13 ) On XX/XX/XXXX, when XXXX announced in a call with XXXX XXXX bankers that housing prices would collapse on a scale not seen since the Depression, widespread panic ensued. By the end of XXXX, according to Countrywides own estimates, a staggering 27 percent of the lenders subprime loans were delinquent.\n\n14 ) Once disaster struck, a quick settlement with the state attorneys general, under which Countrywide accepted no guilt and faced little financial liability, was not such a bad deal for the company. \n\n15 ) The settlement required Countrywide to make only XXXX loan modifications nationwide and did not set a dollar amount on how much these modifications had to save borrowers. \n16 ) Most of the loans covered by the settlement fell into one of two major types issued between XXXX and XXXX, at the height of the housing boom. \n17 ) One was the notorious pay-option ARM, in which the loan balance increased each month for borrowers who made only the minimum payment. \n17A ) Countrywide absurdly classified these loans as \" prime '' productseven though many of them went to borrowers with very low credit scoresmaking it easier to sell them on the secondary market. \n18 ) The other was the subprime ARM, which had a fixed interest rate for a set period and then an adjustable rate for the remainder of the term. \n* * * 19 ) To comply with the settlement, Bank of America set up the Countrywide XXXX XXXX XXXX XXXX as a vehicle for providing relief. \n20 ) And the deal appeared, at first, to provide it. \n21 ) Eligible borrowers, according to XXXX analysis of the deal, may be considered for a range of modifications. \n22 ) Those with pay-option ARMs can reduce their outstanding balance to 95 percent of their homes current value, getting them out from under water.\n\n23 ) 24 ) But Countrywide has no obligation to offer these terms to any particular eligible borrower. \n\n\nCOMPLICIT GOVERMENTAL CORRUPTION : 25 ) A key weapon in BofAs arsenal is something called a foreclosure avoidance budget, which gives the bank the option of foreclosing on homeowners whenever, in the judgment of the banks analysts, more money can be recouped by foreclosing than by modifying the loan. \n26 ) Housing advocates speak with frustration of how BofA often refuses to grant modifications to eligible borrowers, based solely on the banks analysis of its foreclosure avoidance budget. \n27 ) Yet bank officials have refused to make public how they calculate that budget. \nXXXX ) XXXX XXXX, a lawyer with XXXX XXXX XXXXXXXX XXXX XXXX, an XXXX nonprofit, says she repeatedly attempted to obtain that information from BofA. \" One of the things we kept asking, '' she says, \" is, Can we see those analyses? Can we see the foreclosure avoidance budget? \n29 ) The answer was always no. '' In the end, she simply gave up on using the Countrywide settlement as a means of helping borrowers. \n30 ) Even information on how many homeowners are facing foreclosure under the foreclosure avoidance budget is not publicly available. \n31 ) I requested these numbers from the California attorney generals office, which directed me to Bank of America, which refused to divulge the data. \n\n32 ) Last XXXX I interviewed XXXX XXXX, Bank of Americas senior vice president for public relations and communications, at a meeting between BofA executives and distraught homeowners in a church in XXXX, XXXX, and XXXX ) he said something telling : \" We dont call it a settlement, but our agreement with the attorneys general. '' Apparently BofA doesnt believe it owes anybody anything. \n\n34 ) Despite XXXX  XXXX XXXX failure to help hundreds of thousands of homeowners ruined by Countrywide, 35 ) the bank claims it is on track to fulfill its obligations under the settlement. \n36 ) According to the one publicly available page of a quarterly compliance report the bank is required to file with the state attorneys general, as of the end of the second quarter of XXXX, BofA had modified a total of XXXX loans under the settlement, achieved an expected interest and principal savings for borrowers of {$3.00} XXXX and provided {$170.00} XXXX in relief to people who had lost their homes to foreclosure. \n\nXXXX ) These numbers look impressive, at first glance. \nXXXX ) But a XX/XX/XXXX study by XXXX of the loans covered by the settlement projected that 50 percent of the modified loans are so untenable they will re-default within a year. \nXXXX ) The terms being offered are so bad that many lawyers are not bothering to seek relief, says XXXX XXXX, an attorney representing underwater borrowers northeast of XXXX XXXX. \n40 ) XXXX estimates that in the past three years he has worked with about 1,000 clients seeking modifications, half of them from Countrywide. \n41 ) He projects that for borrowers who get the five-year, interest-only payments, there is going to be major trouble down the line. \" We havent seen the effect yet, '' he says. \" They took them out of one loan that was a ticking time bomb and put them into another loan with ticking time bomb features. '' 42 ) Bank of America officials concede that re-default is a major threat, projecting a rate of XXXX percent. \n43 ) But they claim most of these defaults will be a product of growing unemployment, not unfair loan modifications. \n44 ) Housing counselors and attorneys tell a different story. \nXXXX ) They say the modifications BofA is offering under the settlement are not sustainable even for many borrowers with jobs. \n46 ) \" As far as I know, none of our clients have gotten a modification under this program, '' says XXXX XXXX, an attorney and director of the XXXX XXXX, a nonprofit community development corporation based in XXXX. \n47 ) \" The offers I have seen so far are basically a low-interest-only, fixed rate for five years, and then the loan converts to a principal and interest, which of course, depending on the total amount due, could be a huge jump in the persons total monthly payment ''. \n\n* * * PUBLIC EMPLOYEE PENSION FUNDS INVESTED HEAVILY IN COUNTRYWIDES CDOs : 48 ) As it turns out, BofA has had good reason not to make its modifications affordable for mortgages now owned by a third party, such as the public employee pension funds that invested heavily, and disastrously, in Countrywides mortgage-backed securities. \n49 ) From XXXX to XXXX, the years covered by the settlement, Countrywide sold most of its first-lien subprime loans as mortgage-backed securities or loan packages, 50 ) but it generally kept the lucrative servicing contracts. \n51 ) BAC Home Loan Servicing ( formerly Countrywide Home Loans Inc. ), Countrywides servicing arm, acts as a bill collector, gathering mortgage payments from borrowers and distributing these payments to the investors who actually own the mortgages. \n52 ) Servicers earn a small percentage of mortgage payments, but what has made the business especially profitable are late fees and other ancillary costs such as property inspections, collected from borrowers in delinquency and in default. \n\n53 ) Those revenues will be lost through the settlement with the state attorneys general, 54 ) which requires BofA to waive outstanding late fees for delinquent Countrywide borrowers who receive a modification. \n55 ) But BofA can start the lucrative late-fee gravy train all over for all the borrowers who re-default on modified loansa staggering number, if the XXXX projections prove to be accurate. \n56 ) When these financially exhausted borrowers finally go into foreclosure, any outstanding late fees can be tacked onto the bill BofA submits to investors. \n\n57 ) Only about 12 percent of the first-lien loans initiated by Countrywide remain on BofAs books 58 ) Investors in mortgage-backed securities, including major pension funds like XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX own the other 88 percent, 59 ) and it is these investors who will bear most of the expense of complying with the settlement, in the form of permanently reduced principal and interest payments on their bond holdings. \n60 ) Believe it or not, this aspect of the deal was overlooked by the settlement. \n61 ) XXXX XXXX, attorney general of Connecticut, one of the original parties to the suit, seems to have missed it entirely, claiming in his XX/XX/XXXX announcement, \" This settlement will cost BofA as much as {$8.00} XXXX, but no cost, not a dime, to taxpayers.? '' 62 ) In fact, as it turned out later, much of the settlements cost would be covered by taxpayers. \n63 ) Bank of America is allowed to use federal incentives under President Obamas {$75.00} XXXX Home Affordable Modification Program ( HAMP ) toward the loan modifications it is required to make as the mortgage servicer for the Countrywide portfolio. \n64 ) In total, of its entire Countrywide financial servicing portfoliowhich goes beyond the loans covered by the settlementBofA is eligible for as much as {$4.00} XXXX in federal incentives for completed modifications, according to an analysis by the XXXXXXXX XXXX XXXX XXXX as reported in XXXX XXXX. Thats a hefty government rebate. \n\n65 ) There are indications that Bank of Americas slow progress on loan modifications is intentional. \n66 ) Many service providers on the front lines of the crisis were unaware of the settlement more than a year after it took effect. \n67 ) Take XXXX XXXX, a team leader in the housing department of XXXX XXXX XXXX, a HUD-approved counseling agency in XXXX XXXX XXXX Of the hundreds of Countrywide borrowers, hes tried to obtain loan modifications for, \" not one of them has mentioned anything regarding the attorneys general modification, '' he says. \n\n68 ) Why dont borrowers know about the settlement?\n\n69 ) If they received a notification letter like the one Bank of America officials gave me after weeks of prodding, they would have no clue they were one of the covered homeowners. \n\n70 ) Nowhere in the letter is there explicit mention of the settlement. Theres no mention of borrowers rights, such as waiving of late fees for those who qualify for modification.\n\n71 ) And the letter fails to mention the settlements most attractive modification option : principal write-down, the only measure that could make a significant difference to borrowers who have seen the value of their homes decline by 50 percent or more. \n\n\n71 ) Bank of Americas opaque public outreach apparently passes muster with the California attorney general. \n\n72 ) An official in the AGs office who declined to be named told me the notification letter \" is not necessarily going to reference the settlement. '' 73 ) He went on to express concern about the plaintiffs themselves, the very people the settlement was designed to protect. \n\nNOW WHEN IT COMES TO HOMEOWNRES - THEIR WORRIED ABOUT MORAL HAZARD? \nIN THE FACE OF TRILLIONS OF DOLLARS OF SWINDELED LOSSES COMMITTED BY CORRUPT BANKING AND MORTGAGE INSTITUTIONS, AS WELL AS CORRUPT GOVERNMENATL REGULATION AND SO-CALLED OVERSIGHT! \nALL - AT THE ULTIMATE EXPENSE OF HOMEOWNERS AND INVESTORS 74 ) \" There is a moral hazard problem with all of this, which is that you dont want to encourage borrowers who can afford their loans to default, or borrowers who dont believe they were victims of fraud to default, '' he says. \n75 ) \" So, there is a fine line that had to be walked in figuring out how to publicize, announce and communicate with borrowers. '' * * * 76 ) The settlements most fatal flaw may be its failure to cover second liens. Bank of America still owns a large number of Countrywides second liens outright, including its once popular Home Equity Lines of Credit ( HELOCs ). \n\n77 ) Today the bank is the largest holder of second-lien loans in the country, which are valued at {$140.00} XXXX. ( Second-lien loans, which are tacked onto the original first-lien mortgage, include home-equity loans used to finance everything from home improvements to hospitalization to coverage of 1520 percent of the purchase price of a house. ) 78 ) XXXX alleges that Countrywide employees broke the same laws in selling those loans as they did in selling first liens. \n79 ) According to the XXXX lawsuit, Countrywide loan officers \" further [ ed ] their deceptive scheme '' by \" urging borrowers to encumber their homes up to 100 % ( or more ) of the assessed value ; and placing borrowers in piggyback second mortgages in the form of higher interest HELOCs while obscuring their monthly payment obligations. '' 80 ) A settlement that covered second liens would have improved the prospects for victims of Countrywides predations. \n81 ) Federal officials and mortgage analysts have identified second liens as a major factor in at least half the mortgages in danger of default. Such a loan works against borrowers in several ways. \n\n82 ) Not only does it stick them with a greater debt burden ; it also stands in the way of principal reduction on the first mortgage, since a second lien must usually be wiped out before principal can be written down on the first loan. \n\n83 ) The attorneys general seem to have left this gaping loophole for pure expediency. \n84 ) \" We do allege misconduct related to the origination of second liens and HELOCs, '' says the XXXX AG official. \" However, for purposes of settling the case, we wanted to craft a settlement that, while not perfect, would have the most effective chance of saving homeowners as quickly as possible. We were in a situation where the housing crisis was expanding by the moment. They [ Bank of America ] could have dragged out the negotiations for two years, during which time innumerable residents of California and other states could have lost their homes to foreclosure. '' 85 ) Earlier this year Bank of America finally indicated some willingness to address the second-lien issue XXXX On XX/XX/XXXX the bank announced to much positive press that it was the first servicer to sign up for a resuscitated federal effort known as the Second Lien Modification Program, which the Obama administration had been trying to get off the ground since spring XXXX. \n\n86 ) In XXXX, facing additional legal action over Countrywides predatory lending practices, Bank of America reached another settlement, this one with Massachusetts. \n87 ) Under that deal, the settlement XXXX negotiated was expandedBank of America would now offer principal reductions to about 45,000 severely underwater Countrywide borrowers. Notably, BofA will offer these principal reductions only to borrowers who qualify for HAMP, under which the bank gets bailed out by taxpayers. \n\n\n88 ) The Countrywide settlement, says XXXX XXXX, associate director of the XXXX XXXX XXXX, a statewide organization that advocates for low-income communities, has failed to protect homeowners who were the victims of predatory lending on an epidemic scale. \n89 ) \" Fraud and predatory lending really created this crisis we are in, and nobody is taking that into account, '' says XXXX. \" That was a concern we had with the original settlement. They dont admit any fraud. \"? \n\n\n90 ) Now state attorneys general might finally have an opportunity to help the thousands of defrauded Countrywide borrowers who have fallen through the cracks. \n91 ) On XX/XX/XXXX Bank of America announced that it was temporarily suspending foreclosures in all fifty states in response to revelations of false or fraudulent documentation and at least one BofA \" robo-signer '' who approved thousands of foreclosure papers without proper review. \n92 ) Even so, BofA appears confident that it has done nothing wrong. \" We will stop foreclosure sales until our assessment has been satisfactorily completed, '' states a BofA press release. \n93 ) \" Our ongoing assessment shows the basis for our past foreclosure decisions is accurate. We continue to serve the interests of our customers, investors and communities. Providing solutions for distressed homeowners remains our primary focus. '' Its up to the attorneys general, in their newly announced investigation, to hold BofA to its word. \n\n\nCountrywide exploited the American dream of homeownership and then sold its mortgages for huge profits on the secondary market, Attorney General XXXX said. The company sold ever-increasing numbers of complex and risky home loans, as quickly as possible. Countrywide was, in essence, a mass-production loan factory, producing ever-increasing streams of debt without regard for borrowers who were ripped off by Countrywides deceptive scheme.\n\nDespite receiving numerous complaints from borrowers claiming that they did not understand their loan terms, Countrywide ignored loan officers deceptive practices and loose underwriting standards. Countrywide also pushed its borrowers to serially refinance, repeatedly urging borrowers to obtain home loans to pay off their current debt. \n\nhttp : //ag.ca.gov/contact/complaint_form.php? cmplt=CL People v. Countrywide XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\n\nIntentional Misrepresentations : ( Appraisal Process ) XXXX XXXX XXXX XXXX XXXX XXXX , thXXXX appraisal company used by Countrywide in my XXXX loan origination, - settled class action lawsuit accusing them of illegal appraisals regarding title and collateral valuation within their loan origination operational practices. \n\nCountrywides Mandate for Growth - Countrywide ceased acting as a conventional money lender, but instead morphed into an enterprise engaged in systematic fraud. This systematic fraud extended to the fraudulent appraisal process of a silent market fixing scheme through a policy of exercising control over appraisers including their loan origination values. \n\n1A ) Countrywides massive scheme to artificially inflate property values and fix the Real Estate Market through its wholly-owned subsidiary, XXXX XXXX authority to bind, meant to difference between being qualified for a home loan and being able to afford a home loan. \n\n1B ) Countrywide turned substantial profit through their borrowers default, - furthering their incentive to intentionally place borrowers into impossible and unaffordable home loans. \n\n1C ) Countrywide misled public and were well aware of their fraud. Countrywide intentionally misrepresented, and concealed information which they knew was highly material to the decision for a prospective customer to enter into a loan with Countrywide. \n\n1D ) Countrywides improper securitization, the foreclosing trusts had no ownership interest in homeowner Notes or Deeds of Trust under the explicit terms of their own Pooling and Service Agreements. There is no Chain of Title. Understanding MERS, - and its role in Countrywides wrongful foreclosure process. \n\n1E ) Countrywides violation of numerous other laws, and pervasive schemes of fraud and deception, ( along with many other financial institutions, such as Bank of America ), substantially contributed to the United States national housing market crash of XXXX, essentially, overnight wiping out the home values of millions of America homeowners nationwide, who were otherwise completely innocent of these events! Triggering the overnight catastrophe that resulted in the substantial devaluing of millions of American homeowner properties, which directly lead to millions of American homeowners losing their properties through foreclosure nationwide! \n\nRelationship of Bank of America to Countrywide 63. BofAs public disclosures, as reflected in its filings with the SEC, make clear that BofA considers itself both a common enterprise operating as a greater whole and without meaningful distinctions as to its operating units, and the successor to Countrywide and its subsidiaries. As stated in BofAs Annual Report on Form 10-K for the fiscal year ended XX/XX/XXXX ( BofA XXXX XXXX K ), [ i ] n XXXX of XXXX, we made a {$2.00} XXXX investment in Countrywide Financial Corporation ( Countrywide ), the largest mortgage lender in the U.S. \nIn XX/XX/XXXX, we announced a definitive agreement to purchase all outstanding shares of Countrywide... The acquisition would make us the nations leading mortgage lender and loan servicer. BofA XXXX 10-K, at XXXX. \n64. Thereafter, as stated in BofAs Quarterly Report on Form 10-Q for the quarterly period ended XX/XX/XXXX ( BofA XX/XX/XXXX 10-Q ), On XX/XX/XXXX, the Corporation acquired Countrywide through its merger XXXX a subsidiary of the Corporation. BofA XX/XX/XXXX 10-Q at XXXX. \n\n- 17 XX/XX/XXXX the extent that certain Plaintiffs herein become aware of information that provides a basis for asserting the Defendants herein are liable for the origination of their loans, those Plaintiffs reserve the right to seek leave of this Court to re-assert the appropriate claims herein. \n\nCOMPLAINT Lawley, et. al. v. Bank of America, et. al. \nAgain, BofA boasts in the BofA XX/XX/XXXX 10-Q that The acquisition of Countrywide significantly improved our mortgage originating and servicing capabilities, while making us the nations leading mortgage originator and servicer. BofA XX/XX/XXXX 10-Q at XXXX. \n65. BofA further makes clear the commonality of its business enterprise with that of Countrywide, and the greater whole of its various subsidiaries and operating units, by stating again that On XX/XX/XXXX, the Corporation acquired Countrywide... creating the nations largest mortgage originator and servicer. BofA XX/XX/XXXX 10-Q at XXXX. \n66. Countrywides remaining operations and employees have been transferred to Bank of America, and Bank of America ceased using the Countrywide name in XX/XX/XXXX. \n# 6 Specific Bank of America Violations On XX/XX/XXXX, a XXXX XXXX XXXXXXXX XXXX Form 25 was utilized to deregister and delist Countrywides common stock, and on XX/XX/XXXX Countrywide filed Securities and Exchange Commission Form 15 deregistering its common stock under Section 12 ( b ) of the Securities Exchange Act of 1934, as amended.\n\n67. Plaintiffs are informed and believe, and thereon allege, that : ( 1 ) BofA and its wholly- owned and controlled subsidiaries are liable for all wrongful acts of Countrywide prior to the date thereof as the successor-in-interest to Countrywide ; ( 2 ) BofA directly and through its subsidiaries and other agents sued herein as Does have continued the unlawful practices of Countrywide since XX/XX/XXXX, including, without limitation thereof : 1 ) writing fraudulent mortgages as set forth above 2 ) concealing wrongful acts that occurred in whole or in part prior thereto, 3 ) BofA and its subsidiaries are jointly and severally liable as alter egos and as a single, greater unified whole. \n\nBank of America N.A. Successor by Merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing LP, its Assignees and Successors.\n\nIf a Trustee, Paying Agent or Registrar consolidates with, merges or converts into, or transfers all or substantially all of its corporate trust assets to another corporation, the resulting, surviving or transferee corporation without any further act shall be the successor. \n\n\n\n\n\nDear Bank of America N.A. Home Loans, - according to your own research per Department of Justice notice dated XX/XX/XXXX, Bank of America N.A. Home Loans, fka Countrywide Home Loans, my Home Equity Line of Credit, ( HELOC ), account ending in XXXX was approved for participation in a principal forgiveness program offered as a result of the Department of Justice and State Attorneys General national settlement with major mortgage services, including Bank of America. \n\nI stated, I received a full forgiveness not because of some random form of charity, or anonymous altruism, because my family is just one of literally millions of unsuspecting, Innocent homeowners who fell prey to the unbelievable scale of fraud, especially within the appraisal process engaged in by Countrywide Home Loans, currently Bank of America N.A. \n\nI am again requesting that Bank of America return in full all payments made between XX/XX/XXXX to XX/XX/XXXX, approximately, {$5000.00}. \n\nAlso, the fraudulent reverse mortgage my mother entered into with Financial Freedom Senior Funding in December 2004, is a subsidiary of Countrywide Home Loans, and therefore with the purview and responsibility of Bank of America N.A. as successor by merger to Countrywide Home Loans LP. \n\nAlso, as I have repeatedly complained, my refinance of my parents home is riddled with fraud and abuse, especially within the XXXX XXXX process as I have repeatedly tried to draw your attention to? \n\nNot only was I at a complete disadvantage dealing with the predatory refinance department at Countrywide, but I was devastated and in severe mourning at the death of my dear and sweet mother. The refinance department at countrywide saw me coming, and took complete advantage of me, having me assume not only a {$54000.00} plus reverse mortgage that my mother had unknowing entered just 2 years prior, but also the mind numbing fact that despite my parents having paid approximately {$82000.00} from the period between XX/XX/XXXX to XX/XX/XXXX in mostly interest only payments, and an additional {$54000.00}, with Countrywide charging a closing fee of {$10.00}, XXXX from XX/XX/XXXX to the time of my mothers death on XX/XX/XXXX. \n\nI am requesting that my complaint be immediately reconsidered with a positive resolution in the favor of myself and my family for we are the horrible victims of extremely documented fraud, misrepresentation and homeowner abuse.","date_sent_to_company":"2022-08-03T16:59:26.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"89106","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"5830796","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-08-01T05:53:37.000Z","state":"NV","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":["empire.\n\n6 ) One common loan product that came under harsh criticism in the <em>lawsuit</em> was the hybrid adjustable-<em>rate</em> mortgage, or ARM, in which mortgage <em>rates</em> were fixed for two to three years while borrowers made interest-only payments.\n\n7 ) Afterward borrowers got hit with \" payment shock '' when mortgage principal was added onto their monthly payments just as the starter interest <em>rate</em> converted to a variable <em>rate</em> that could shoot up to as <em>high</em> as 15 percent. \n\n8 ) <em>XXXX</em> <em>lawsuit</em> charges that Countrywides"]},"sort":[6.8878174,"5830796"]},{"_index":"complaint-public-v1","_id":"6924689","_score":6.7825317,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"They are reporting negative or late payments. All 3 credit bureaus including XXXX XXXX showing my credit line amounts. Skip to content XXXX XXXX XXXX XXXX XXXX Login In Search XXXX Call Today : ( XXXX ) XXXX Fair Credit Reporting Act : Common Violations and Your Rights Updated : XX/XX/XXXX | XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How to Increase Credit Score Fair Credit Reporting Act : Common Violations and Your Rights A consumers financial future can rise and fall on whats in their credit report so keeping a close eye on the contents should be important to everyone. Credit reports are used to decide who gets a loan, a credit card, a job, or even an apartment to rent, so few things are more crucial than having a credit report free of errors. \n\nStill, credit report errors are made, and the consequences can be devastating. Thats why its vital to look at your credit report at least once a year and make sure all the information in it, is accurate. Federal law allows you to get a free credit report from each of the three major reporting bureaus by signing up at XXXX. \n\nThe Fair Credit Reporting Act of 1970 Recognizing the life-altering power of credit information, Congress adopted the Fair Credit Reporting Act ( FCRA ) in 1970 to protect consumers and regulate how credit information is used and disseminated. The law gives consumers the right to know whats in their credit reports and free access to the information credit rating agencies use to assign credit scores. \n\nThe FCRA also requires that anyone who denies a person credit, insurance or employment because of what is in their credit report, tell you where they got the information and how to contact the issuer. \n\nThe Federal Trade Commission enforces the FCRA. The Dodd-Frank Act transferred most of the rulemaking responsibilities to the Consumer Financial Protection Bureau , but the FTC still retains enforcement authority.\n\nThe nations three largest credit reporting agencies Equifax, XXXX and XXXX are required by law to do everything in their power to accurately gather and report consumer information. Together, they keep files on more than 200 million Americans and issue more than three billion reports a year.\n\nGiven the volume of information, its inevitable that errors occur. The FCRA gives consumers the means to detect inaccuracies in their reports and file complaints. It also requires reporting agencies to investigate and correct bogus information. \n\nMistakes are often clerical, but sometimes theyre the result of old information reported as current. XXXX XXXX XXXX XXXXXXXX reported the troubles of a Mississippi woman whose {$40000.00} second-mortgage debt was discharged through a bankruptcy filing in XXXX. But four years later, the debt appeared on her report as unpaid. She tried repeatedly to get the error removed, but it took intervention from Mississippis attorney general to have her report corrected. \n\nCases like that are common. State attorneys investigate FCRA complaints and many have consumer information on their web pages to let people know what their rights are and the steps to take if they uncover erroneous information. \n\nCommon violations of the FCRA include : Failure to update reports after completion of bankruptcy is just one example. Agencies might also report old debts as new and report a financial account as active when it was closed by the consumer. \nCreditors give reporting agencies inaccurate financial information about you. \nReporting agencies mixing up one persons information with anothers because of similar ( or same ) name or social security number. \nAgencies fail to follow guidelines for handling disputes. \nPulling your report for an impermissible purpose. For instance, viewing a credit report to determine if you have assets before filing certain kinds of lawsuits. \nFailing to send you notifications about your credit report or score in violation of the FCRA. \nReporting agencies providing information to unauthorized persons or businesses. \nNot all FCRA actions are the result of errors or poorly maintained files. For example, the XXXX XXXX XXXX reported about a data broker that agreed to pay {$800000.00} in a settlement with the Federal Trade Commission for allegations he illegally sold personal information to human resources, background screening and recruiting companies. \n\nYour Rights Under the Fair Credit Reporting Act If youre turned down for credit or have some other reason to suspect that a credit report might have erroneously damaged you, get the name of the national credit agency that provided the report. A landlord who turned you down for bad credit or a bank that denied you a credit card will tell you which agency issued the report. \n\nNext, contact the agency and request a copy of the report. Keep in mind that if the report contains incorrect information, other agencies could be using the same information in their reports. The agency that provided the information must supply you with its report within 30 days of the denial for free. Otherwise, it can charge a fee to see a report. \n\nIf you find inaccurate or outdated information, notify the credit reporting agency in writing, explaining the error and demanding that it be immediately corrected. If the agency investigates and does nothing, and if you are still sure the report contains errors, contact the Federal Trade Commission or the state attorney generals office nearest you. \n\nIts important to know your rights under the Fair Credit Reporting Act : You have a right to know whats in your file. Contact the credit-rating agency that issued a report that was used to deny you credit, housing or employment. Youre entitled to a free report for any of these reasons : Information was used against you ; you are a victim of identity theft and place a fraud alert on your file ; your file contains inaccurate information that resulted from fraud ; youre on public assistance or you have been unemployed but expect to apply for work within 60 days. \nIf you have been the victim of identity theft, you are entitled to ask businesses for a copy of transaction records relating to the theft of your identity. For example, loan or credit card applications. You also may authorize law enforcement agencies to request the information. Businesses must provide it within 30 days of receiving the request. Some companies are reluctant to release this information claiming it is proprietary information or that they are protecting the consumer. However, the FCRA states that businesses are required to provide applications and business transaction records to help victims document fraudulent charges. The FTC outlines the obligations for businesses here. \nYou have a right to ask for your credit score. Credit reporting agencies provide these. In some instances, mortgage lenders will tell you your score when you apply for a loan. Also, some credit card issuers now include up-to-date scores in their monthly statements. \nYou have a right to dispute incomplete or inaccurate information in your report. \nCredit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. \nReporting agencies must not disseminate outdated negative information. \nInformation in your file is limited to those with a valid need for it. \nYou must give written consent for credit agencies to send your credit report to employers. \nIf your rights have been violated under the FCRA, you are entitled to seek actual or statutory damages, recover attorneys fees and court costs and request punitive damages. \n\nFair Credit Reporting Act Violations There are several common violations of the Fair Credit Reporting Act, involving both the thousands of companies reporting information and the three major bureaus taking the information and assigning it to your credit report. \n\nSome of the common violations include : Furnishing and Reporting Old Information When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur? \n\nReporting a debt as charged off, when it was settled or paid off. \nReporting late payments when your payments were timely. \nReporting old debts as new ones. \nReporting that an account was active after it was voluntarily closed by a consumer. \nFailure to report that a debt was discharged in bankruptcy. \nReporting information that is more than XXXX years old ( when XXXX XXXX bankruptcy notices should lapse ) or XXXX years old ( XXXX  XXXX bankruptcy ). \nInaccurate statement of balance due. \nFailing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ). \nMixing Files Mixing files with someone else who has similar background information ( sometimes as careless as failing to distinguish the Jr. and Sr. in similar surnames ). \n\nDebt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. Sometimes, agencies fall short in these areas. \n\nDebt Dispute Violations for Creditors Creditors are obligated to note every disputed debt and submit corrected information, stop submitting incorrect information when it has been reported, conduct an internal investigation of disputes within 30 days and provide a reasonable procedure to submit a written dispute or report of identity theft. \n\nPrivacy Violations Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, such as determining if you are collectible in a lawsuit, an employer pulling the report without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial activity. \n\nWithholding Notices You must be given notice on the reporting, handling and use of your credit information. Violations could include : A creditor failing to notify you when it supplies negative credit information. \nA user of credit information ( prospective employer or lender ) failing to notify you of a negative decision based upon your credit report. Or that user of credit information refusing to identify the source of credit information it obtained about you. \nA creditor failing to provide your credit score if it was used as part of any credit decision. \nA creditor failing to notify you of your right to obtain a free credit report. \nIts important to be educated and know your Fair Credit Reporting Act rights. \n\nRecovering Damages for FCRA Violations The information covered under the Fair Credit Reporting Act is so critical to the financial health of an individual that when violations of the FCRA occur, the victim can file suit and collect for damages. \n\nThe extent to which a victim can be compensated depends largely on whether the violation was willful or negligent. The parties responsible for possible violations include credit reporting agencies, businesses furnishing the information to credit agencies or someone using information off the credit report to make a decision about a job, or housing. \n\nWillful FCRA Violations These are the more serious violations and more highly compensated because it means the agency, business or individual was aware their actions would cause harm to you, but went ahead and did them anyway. \n\nThe types of damages that can be compensated here include : Actual damages. These are damages that can be proved because of harm caused by an action or failure to act by the agency, business or individual. There is no limit to how high an award can be. \nStatutory damages. These are damages that dont require proof, but the compensation is limited to somewhere between {$100.00} and {$1000.00}. \nPunitive damages. These are awarded to punish an agency, business or individual and deter them from violating the FCRA again. There is no limit on how much can be awarded. \nAttorney fees and court costs. You can have the cost of litigating the matter covered if you win your case. \nNegligent FCRA Violations When an agency, business or individual fails to exercise proper care or takes action that a reasonable person would not with regard to your credit information, that is negligent behavior and money damages can result. \n\nThe types of damages available are the same as with willful violations, namely actual damages ( no limit ) ; statutory damages ( usually between {$100.00} and {$1000.00} ) ; punitive damages ( no limit ) and attorney fees and court costs. \n\nFrivolous FCRA Lawsuit Penalties Credit reporting bureaus have the right to terminate investigations of violations if the agency determines that the consumers complaint is frivolous or irrelevant. \n\nTypically, this happens when the consumer fails to offer sufficient information to investigate the disputed information. \n\nThey also may lose a court case if they filed suit in bad faith or to harass an agency, business or individual. If this happens, the consumer may be required to pay the attorney fees for filing bad faith papers.\n\nDeadlines Here are four key deadlines to remember when dealing with the Fair Credit Reporting Act. \n\nInaccurate information must be corrected or deleted within 30 days of your dispute ( or up to 45 days if you provide additional information after submitting your written dispute ). \nBusinesses or other information furnishers must tell you about any negative information reported to the credit bureaus within 30 days. \nThe statute of limitations for filing a suit is two years after the date you discovered a violation or within five years of the date of the violation. \nXXXXXXXX XXXX XXXX The three major credit bureaus are required to provide you with one free copy of your credit report every year, if you request it. You must properly identify yourself, of course. The Web site XXXX is a prime place to obtain your free annual credit report. \n\nIn some cases, the credit bureaus also must provide you with another free copy of your credit report if : A business has denied your application or charged a higher interest rate because of information in your credit report. \nYoure unemployed and planning to look for a job within the next 60 days. \nYoure on welfare. \nYouve been a victim of identity theft ( or if your credit report contains inaccurate information because of identity theft ). \nOther Credit Reporting Agencies There is much emphasis on the three nationwide consumer reporting companies Equifax, XXXX and XXXX but its useful to know there are other sources of consumer reporting information. \n\nThe Consumer Financial Protection Bureau has published a list of other companies that self-identify as consumer reporting agencies. These companies collect information and provide reports to other companies about you in the areas of credit, employment, residential rental housing, insurance and other decision-making situations. Its worth a look to determine which of the companies could be important to you. \n\nThis list, while not all-inclusive, has been independently verified by the CFPB. \n\nMeanwhile, here are the best contact numbers for the XXXX nationwide consumer reporting companies : Equifax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Problems with credit reporting bureaus are not unusual. Getting timely corrections on mistakes on your credit report can be difficult, but is worth pursuing. \n\nIf you have questions about the credit reporting bureaus and how information is gathered, you should contact a nonprofit credit counseling agency like XXXX and speak with a certified counselor about the problem. \n\nFair Credit Reporting Act 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 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 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX | We do not lend money.","date_sent_to_company":"2023-05-04T03:51:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20877","tags":null,"has_narrative":true,"complaint_id":"6924689","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-04T03:26:54.000Z","state":"MD","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The law gives consumers the right to know <em>whats</em> in their credit reports and free access to the information credit rating agencies use to assign credit scores. \n\nThe FCRA also requires that anyone who denies a person credit, insurance or employment because of <em>what</em> is in their credit report, tell you where they got the information and how to contact the issuer. \n\nThe Federal Trade Commission enforces the FCRA."]},"sort":[6.7825317,"6924689"]},{"_index":"complaint-public-v1","_id":"6924561","_score":6.2902274,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"They are reporting negative or late payments. All 3 credit bureaus including credit Karma showing my credit line amounts. Skip to content XXXX XXXX XXXX XXXX XXXX XXXX In Search XXXX Call Today : ( XXXX ) XXXX Fair Credit Reporting Act : Common Violations and Your Rights Updated : XX/XX/XXXX | XXXX XXXX XXXX Credit Card Debt Relief Credit Counseling How to Increase Credit Score Fair Credit Reporting Act : Common Violations and Your Rights A consumers financial future can rise and fall on whats in their credit report so keeping a close eye on the contents should be important to everyone. Credit reports are used to decide who gets a loan, a credit card, a job, or even an apartment to rent, so few things are more crucial than having a credit report free of errors. \n\nStill, credit report errors are made, and the consequences can be devastating. Thats why its vital to look at your credit report at least once a year and make sure all the information in it, is accurate. Federal law allows you to get a free credit report from each of the three major reporting bureaus by signing up at XXXX. \n\nThe Fair Credit Reporting Act of 1970 Recognizing the life-altering power of credit information, Congress adopted the Fair Credit Reporting Act ( FCRA ) in 1970 to protect consumers and regulate how credit information is used and disseminated. The law gives consumers the right to know whats in their credit reports and free access to the information credit rating agencies use to assign credit scores. \n\nThe FCRA also requires that anyone who denies a person credit, insurance or employment because of what is in their credit report, tell you where they got the information and how to contact the issuer. \n\nThe Federal Trade Commission enforces the FCRA. The Dodd-Frank Act transferred most of the rulemaking responsibilities to the Consumer Financial Protection Bureau XXXX but the FTC still retains enforcement authority. \n\nThe nations three largest credit reporting agencies XXXX, XXXX and TransUnion are required by law to do everything in their power to accurately gather and report consumer information. Together, they keep files on more than 200 million Americans and issue more than three billion reports a year.\n\nGiven the volume of information, its inevitable that errors occur. The FCRA gives consumers the means to detect inaccuracies in their reports and file complaints. It also requires reporting agencies to investigate and correct bogus information. \n\nMistakes are often clerical, but sometimes theyre the result of old information reported as current. XXXX XXXX XXXX XXXXXXXX reported the troubles of a Mississippi woman whose {$40000.00} second-mortgage debt was discharged through a bankruptcy filing in XXXX. But four years later, the debt appeared on her report as unpaid. She tried repeatedly to get the error removed, but it took intervention from Mississippis attorney general to have her report corrected. \n\nCases like that are common. State attorneys investigate FCRA complaints and many have consumer information on their web pages to let people know what their rights are and the steps to take if they uncover erroneous information. \n\nCommon violations of the FCRA include : Failure to update reports after completion of bankruptcy is just one example. Agencies might also report old debts as new and report a financial account as active when it was closed by the consumer. \nCreditors give reporting agencies inaccurate financial information about you. \nReporting agencies mixing up one persons information with anothers because of similar ( or same ) name or social security number. \nAgencies fail to follow guidelines for handling disputes. \nPulling your report for an impermissible purpose. For instance, viewing a credit report to determine if you have assets before filing certain kinds of lawsuits. \nFailing to send you notifications about your credit report or score in violation of the FCRA. \nReporting agencies providing information to unauthorized persons or businesses. \nNot all FCRA actions are the result of errors or poorly maintained files. For example, the XXXX XXXX XXXX reported about a data broker that agreed to pay {$800000.00} in a settlement with the Federal Trade Commission for allegations he illegally sold personal information to human resources, background screening and recruiting companies. \n\nYour Rights Under the Fair Credit Reporting Act If youre turned down for credit or have some other reason to suspect that a credit report might have erroneously damaged you, get the name of the national credit agency that provided the report. A landlord who turned you down for bad credit or a bank that denied you a credit card will tell you which agency issued the report. \n\nNext, contact the agency and request a copy of the report. Keep in mind that if the report contains incorrect information, other agencies could be using the same information in their reports. The agency that provided the information must supply you with its report within 30 days of the denial for free. Otherwise, it can charge a fee to see a report. \n\nIf you find inaccurate or outdated information, notify the credit reporting agency in writing, explaining the error and demanding that it be immediately corrected. If the agency investigates and does nothing, and if you are still sure the report contains errors, contact the Federal Trade Commission or the state attorney generals office nearest you. \n\nIts important to know your rights under the Fair Credit Reporting Act : You have a right to know whats in your file. Contact the credit-rating agency that issued a report that was used to deny you credit, housing or employment. Youre entitled to a free report for any of these reasons : Information was used against you ; you are a victim of identity theft and place a fraud alert on your file ; your file contains inaccurate information that resulted from fraud ; youre on public assistance or you have been unemployed but expect to apply for work within 60 days. \nIf you have been the victim of identity theft, you are entitled to ask businesses for a copy of transaction records relating to the theft of your identity. For example, loan or credit card applications. You also may authorize law enforcement agencies to request the information. Businesses must provide it within 30 days of receiving the request. Some companies are reluctant to release this information claiming it is proprietary information or that they are protecting the consumer. However, the FCRA states that businesses are required to provide applications and business transaction records to help victims document fraudulent charges. The FTC outlines the obligations for businesses here. \nYou have a right to ask for your credit score. Credit reporting agencies provide these. In some instances, mortgage lenders will tell you your score when you apply for a loan. Also, some credit card issuers now include up-to-date scores in their monthly statements. \nYou have a right to dispute incomplete or inaccurate information in your report. \nCredit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. \nReporting agencies must not disseminate outdated negative information. \nInformation in your file is limited to those with a valid need for it. \nYou must give written consent for credit agencies to send your credit report to employers. \nIf your rights have been violated under the FCRA, you are entitled to seek actual or statutory damages, recover attorneys fees and court costs and request punitive damages. \n\nFair Credit Reporting Act Violations There are several common violations of the Fair Credit Reporting Act, involving both the thousands of companies reporting information and the three major bureaus taking the information and assigning it to your credit report. \n\nSome of the common violations include : Furnishing and Reporting Old Information When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur? \n\nReporting a debt as charged off, when it was settled or paid off. \nReporting late payments when your payments were timely. \nReporting old debts as new ones. \nReporting that an account was active after it was voluntarily closed by a consumer. \nFailure to report that a debt was discharged in bankruptcy. \nReporting information that is more than seven years old ( when XXXX XXXX bankruptcy notices should lapse ) or 10 years old ( XXXX XXXX bankruptcy ). \nInaccurate statement of balance due. \nFailing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ). \nMixing Files Mixing files with someone else who has similar background information ( sometimes as careless as failing to distinguish the Jr. and Sr. in similar surnames ). \n\nDebt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. Sometimes, agencies fall short in these areas. \n\nDebt Dispute Violations for Creditors Creditors are obligated to note every disputed debt and submit corrected information, stop submitting incorrect information when it has been reported, conduct an internal investigation of disputes within 30 days and provide a reasonable procedure to submit a written dispute or report of identity theft. \n\nPrivacy Violations Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, such as determining if you are collectible in a lawsuit, an employer pulling the report without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial activity. \n\nWithholding Notices You must be given notice on the reporting, handling and use of your credit information. Violations could include : A creditor failing to notify you when it supplies negative credit information. \nA user of credit information ( prospective employer or lender ) failing to notify you of a negative decision based upon your credit report. Or that user of credit information refusing to identify the source of credit information it obtained about you. \nA creditor failing to provide your credit score if it was used as part of any credit decision. \nA creditor failing to notify you of your right to obtain a free credit report. \nIts important to be educated and know your Fair Credit Reporting Act rights. \n\nRecovering Damages for FCRA Violations The information covered under the Fair Credit Reporting Act is so critical to the financial health of an individual that when violations of the FCRA occur, the victim can file suit and collect for damages. \n\nThe extent to which a victim can be compensated depends largely on whether the violation was willful or negligent. The parties responsible for possible violations include credit reporting agencies, businesses furnishing the information to credit agencies or someone using information off the credit report to make a decision about a job, or housing. \n\nWillful FCRA Violations These are the more serious violations and more highly compensated because it means the agency, business or individual was aware their actions would cause harm to you, but went ahead and did them anyway. \n\nThe types of damages that can be compensated here include : Actual damages. These are damages that can be proved because of harm caused by an action or failure to act by the agency, business or individual. There is no limit to how high an award can be. \nStatutory damages. These are damages that dont require proof, but the compensation is limited to somewhere between {$100.00} and {$1000.00}. \nPunitive damages. These are awarded to punish an agency, business or individual and deter them from violating the FCRA again. There is no limit on how much can be awarded. \nAttorney fees and court costs. You can have the cost of litigating the matter covered if you win your case. \nNegligent FCRA Violations When an agency, business or individual fails to exercise proper care or takes action that a reasonable person would not with regard to your credit information, that is negligent behavior and money damages can result. \n\nThe types of damages available are the same as with willful violations, namely actual damages ( no limit ) ; statutory damages ( usually between {$100.00} and {$1000.00} ) ; punitive damages ( no limit ) and attorney fees and court costs. \n\nFrivolous FCRA XXXX XXXX XXXX reporting bureaus have the right to terminate investigations of violations if the agency determines that the consumers complaint is frivolous or irrelevant. \n\nTypically, this happens when the consumer fails to offer sufficient information to investigate the disputed information. \n\nThey also may lose a court case if they filed suit in bad faith or to harass an agency, business or individual. If this happens, the consumer may be required to pay the attorney fees for filing bad faith papers.\n\nDeadlines Here are four key deadlines to remember when dealing with the Fair Credit Reporting Act. \n\nInaccurate information must be corrected or deleted within 30 days of your dispute ( or up to 45 days if you provide additional information after submitting your written dispute ). \nBusinesses or other information furnishers must tell you about any negative information reported to the credit bureaus within 30 days. \nThe statute of limitations for filing a suit is two years after the date you discovered a violation or within five years of the date of the violation. \nXXXXXXXX XXXX XXXX  The three major credit bureaus are required to provide you with one free copy of your credit report every year, if you request it. You must properly identify yourself, of course. The Web site XXXX is a prime place to obtain your free annual credit report. \n\nIn some cases, the credit bureaus also must provide you with another free copy of your credit report if : A business has denied your application or charged a higher interest rate because of information in your credit report. \nYoure unemployed and planning to look for a job within the next 60 days. \nYoure on welfare. \nYouve been a victim of identity theft ( or if your credit report contains inaccurate information because of identity theft ). \nOther Credit Reporting Agencies There is much emphasis on the three nationwide consumer reporting companies XXXX, XXXX and TransUnion but its useful to know there are other sources of consumer reporting information. \n\nThe Consumer Financial Protection Bureau has published a list of other companies that self-identify as consumer reporting agencies. These companies collect information and provide reports to other companies about you in the areas of credit, employment, residential rental housing, insurance and other decision-making situations. Its worth a look to determine which of the companies could be important to you. \n\nThis list, while not all-inclusive, has been independently verified by the CFPB. \n\nMeanwhile, here are the best contact numbers for the XXXX nationwide consumer reporting companies : XXXX : ( XXXX ) XXXXXXXX XXXX XXXX  ( XXXX ) XXXX TransUnion : ( XXXX ) XXXX Problems with credit reporting bureaus are not unusual. Getting timely corrections on mistakes on your credit report can be difficult, but is worth pursuing. \n\nIf you have questions about the credit reporting bureaus and how information is gathered, you should contact a nonprofit credit counseling agency like XXXX and speak with a certified counselor about the problem. \n\nXXXX 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 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 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX We do not lend money.","date_sent_to_company":"2023-05-04T03:52:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20877","tags":null,"has_narrative":true,"complaint_id":"6924561","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-04T03:51:57.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The law gives consumers the right to know <em>whats</em> in their credit reports and free access to the information credit rating agencies use to assign credit scores. \n\nThe FCRA also requires that anyone who denies a person credit, insurance or employment because of <em>what</em> is in their credit report, tell you where they got the information and how to contact the issuer. \n\nThe Federal Trade Commission enforces the FCRA."]},"sort":[6.2902274,"6924561"]},{"_index":"complaint-public-v1","_id":"3468379","_score":6.1845884,"_source":{"product":"Student loan","complaint_what_happened":"In XXXX I was XXXX years old, I started working for an XXXX XXXX company. It was the beginning of the dot com boom and the start of the internet. I was only out of high school for a couple of years and though I had attended a XXXX  college  I was unsure of what to do with my life. After working at this job for about a year and a half I was so fascinated with the internet and I wanted to design websites. My boss told me youre a girl, you wont be able to learn that this statement lit a fire in me and I was determined to learn. \nI started looking around for programs, it was difficult to find at the time because it was the beginning of the internet age so there were not very many programs out there. I saw a commercial for XXXX XXXX XXXX XXXX XXXX XXXX, it said Study multi-media at the, get a good job working on the world wide web I thought Wow! This is exactly what I have been looking for. I went to the school the next day to get information, I was so excited to learn. The dean of students at the XXXX XXXX came into the financial office while I was there speaking with them. He introduced himself to me and asked what my goals were. I told him and then he started going into how amazing the program was and how much money I will make with that type of degree. This got me more excited! The financial aid office then told me I needed to into this room so they can explain the loan process. I was told that I would have low payments after graduation, they told me my payments would be {$50.00} per month. Everything sounded really great, {$50.00} per month is affordable, sign me up, I want to learn. \nI started going through the admissions process, I told them I had previously attended the XXXX XXXX College for 2 years and I have a number of credits that I can transfer so I could save some money on some of the required courses. I had taken XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX  XXXX, and a few other courses. They told me that I couldnt transfer my credits because the colleges dont have the same accreditations and I would have to re-take these courses. At this point I had just had a birthday so I was XXXX years old, neither of my parents had attended college, I had no guidance on what the right thing to do was. I thought these people were professionals and they knew better than me. I was so excited to take the courses that they preyed off of my ignorance and excitement. \nIt was 2-3 weeks later that I started school, I began having some problems from with my education within the first quarter. The first problem was my English class, I had a teacher that had no control over her classroom, there was some kid in the back that would come in a play with the mini blinds, pulling them up, dropping them down over and over again. He was a disruption to the course and he would also interrupt the teacher, disturb other students and get so loud that would couldnt hear the instructions. I went to the teacher after the second class and talked to her about, I explained that she needs to get control over her classroom because there are too many people paying too much money and actually want to learn. She said she would discuss the problem in the next class. The next class happened and she said nothing, this kid in the back was doing what he always does. I sat in the front row center of the classroom and every time he would do something I would look the teacher dead in the eyes, she did nothing. Finally when there was about 10 min. Left of class I was over it, I stood up and ripped into him telling him if he didnt care about his education then he needs to get out. The whole class applauded the guy was embarrassed and he left the classroom. After the class was over I went to the dean and told him what happened and asked to be transferred to a different English class, I wanted someone that would have control over their classroom so I could learn. As it turns out, the teacher was the deans WIFE! He refused to move me from the class, honestly, I learned nothing from that class, ha, look at my writing here, its not college level. What you are reading right now shows that I did not receive the education I paid for. \nThe second incident, which was also in the first quarter and a HUGE issue for the school was that the computer labs did not function correctly. Half the time they would be closed, we couldnt get into them to do our work. I was told that they had State of the Art computer labs, but the computers didnt work. The entire student body was really upset about the problem so I started a petition. I had 85 % of the students sign the petition to get us new equipment or we would file a formal lawsuit. They did end up getting some new equipment but it didnt cover all of the labs. I would say that the petition solved the problem by about 40 %. Because it was an improvement and all of us students were dealing with the worst of the worst we accepted it and felt it was a partial victory. \nThe third issue was the actual teachers, very often they wouldnt even show up to class. There would be a classroom full of students, waiting 10 to 20 min into the time when the class was supposed to start I would go to the dean and say we have no teacher again He would come to the classroom and dismiss us. This happened at least once a week so we still paid for the class but we didnt have class. I missed out on so much instructional time because of this problem. \nAt the end of the first quarter, I knew this school wasnt what it said it was so I went to the administration office to drop out. They sent me to financial aid and financial aid scared me into staying in. They told me that I had already taken 5 courses at {$1000.00} per class plus admin fees, etc. and if Ieft now without finishing my loans would start in on repayment the day that I left the school. They told me that if I drop out no other school would accept me and I would never be able to finish my education if I didnt stay. I didnt know how I was going to start paying that money back right away. I was working out a XXXX  XXXX  at min. Wage, back then it was {$5.00} per hour. I had rent, utilities, insurances, I was barely getting by already I didnt know how I would pay more per month I couldnt afford it so I stayed in school. \nAfter 2 years of being at the school, in XXXX of XXXX, I got so sick that I was hospitalized, I had a rare form of XXXX  XXXX that made was going undetected in XXXX  XXXX  tests so they couldnt figure out what was wrong. I was sick for over a month, I fell behind in school so my mom came into town and went to the school with me to try to work things out. They told me that there was nothing I could do to make up for what I had missed while I was sick so they recommend I not finish the current quarter and come back for the next. This made sense to me at the time because the quarters were only 5 weeks and I had missed 3 of them. I still got charged for the classes, I didnt receive a single refund even though I didnt attend a single class due to my illness. \nSo I took the rest of the quarter off, I had to dates for the enrollment for the next quarter which was only about 2 weeks after I left. I went up to the school and to my surprise, I couldnt get back into school. They told me that I had exceeded the amount of money that financial aid would give me in loans so I couldnt come back unless I had the cash to pay, I was done, it was over. I spent $ XXXX on an education that did not provide me with what I needed to succeed and I couldnt finish. \nShortly after that, I moved back in with my mom, I couldnt afford to live on my own. She got me a job at the XXXX XXXX XXXX and I started working as an XXXX  XXXX  making {$9.00} per hour. My loan payments started, I received my first bill and to my surprise, it was nearly {$500.00} per month not the {$50.00} that I was told it would. Turns out the school conveniently left out some information, that {$50.00} was per loan and I had several of them at this point. I was trapped at my moms house making just enough money to pay for my car to get to work and my student loans. I was looking for more work so I could move out of my moms house. I did all kinds of things, I worked as a XXXX  XXXX for XXXX  and XXXX  XXXX. I started making XXXX  XXXX  out of my XXXX  XXXX  and XXXX  it, I got an evening job working for a company that provided XXXX   XXXX for XXXX  XXXX  XXXX. I still didnt make enough money to pay the loans and move out. I ended up living with my mom for 3 years. \nHow I moved out of my moms house was dumb luck. I applied for a job as a XXXX  XXXX for a company called XXXX XXXX, I went in for an interview and didnt get hired. The head of human resources liked me a lot but the person in charge of the department thought another candidate was more qualified. 8 months to a year later I got a call from the human resources director, she told me she had been really impressed with me before and wanted to know if I was interested in coming back to interview for the job again because the person that was hired before was leaving already, of course, I said yes! I went back and interviewed again and the head of the department chose someone else for the position, again. The call I got from the human resources person was different this time though. She said that I was turned down again for this job but she did have another opening in the XXXX  XXXX  and wanted to know if I was interested. The job was an XXXX  job, basically doing XXXX   XXXX  and it paid $ XXXX per year. I didnt care what the job was, sign me up! I actually got this job and worked for the company for a year and a half. In XXXX of XXXX I left because I got another job over that paid me $ XXXX more. My new job was at XXXX XXXX XXXX, I was an XXXX  to a XXXX, again doing XXXX  XXXX. \nI never let go of my dream to be a designer  so I started going to book stores to find instructional books on graphic arts and how to use programs. I found these AMAZING books written by XXXX XXXX, she later went on to create XXXX an awesome tutorial website where you can learn just about anything for {$30.00} per month. Her books and website taught me what I should have learned at the XXXX XXXX, they were a godsend! I can not express how grateful I was to discover her books. I learned XXXX, XXXX, XXXX, and XXXX in less than 6 months and I started freelancing on the side of my full-time job. The cost for me to learn this stuff {$200.00}, thats it! As I am writing this I am shaking my head and trying my best not to cry, on one hand, I am so happy that this amazing woman created these books that provided me with the education I needed to fulfill my dream, on the other hand, I got completely ripped off paying $ XXXX for a useless education that I cant even put on a resume because going to that school is a joke to employers, it makes me extremely sad that I went to the XXXX  XXXX  XXXX. What a waste of time and money for something I learned on my own for {$200.00} in 6 months time. \nI worked at XXXX XXXX XXXX until XXXX of XXXX and the real estate crash  happened. The salesperson I was working for had one client that was really her bread and butter, that client was XXXX XXXX XXXX XXXX   XXXX. Needless to say, I lost my job, I got offered a severance package and I had to make a big decision. I knew what was happening, people were losing their jobs all over the place, I knew to find another job was going to be extremely difficult. So I crunched numbers, and I knew I had to leave XXXX XXXX, I couldnt afford to live in the city that I grew up in, the city that I loved. With the money, I got from my severance package and the unemployment that I would receive I could live for 6 months plus pay for a move to XXXX. If I stayed in XXXX  I had 2 months before I was in big trouble financially, I had to leave and it broke my heart. \nXX/XX/XXXX, I arrived at my new apartment in XXXX  XXXX  XXXX. I began looking for work within the first week that I got there after my stuff arrived which I had shipped in a moving container. I had a spreadsheet that I used to keep track of jobs I applied to, so many graphic jobs that I couldnt get because my education was not from a university. That year I applied for over 300 jobs, didnt get one of them. I spent the time I wasnt using to look for full-time work doing freelance gigs to get me by. I started advertising on XXXX  and working with start-up companies making logos and business cards etc. This got me through, I had money to eat and put a roof over my head. I started renting my car out to my neighbor so I could afford to make the car payment. I ended up moving in with a roommate so my rent was only {$400.00} per month. In XXXX my unemployment ran out and I still could not get a job, my student loans defaulted. The loan companies started calling all of my family members and even some of my friends, I was humiliated, it caused problems with some of my family, they were angry with me for the harassment they received, some of those relationships are still not repaired. Especially the one with my Aunt that co-signed on one of my loans. I was XXXX, I felt alone my family was disappointed in me. I felt like an outcast, I didnt see my family for 10 years at this time, first because I couldnt afford the trip, then this happened and I didnt feel welcome anymore. Now I am crying, reliving this as I am writing this is really hard. I had nothing, no money, no support, no family. These loans destroyed my life. My credit was shot I actually got this interview with a company, I went through a test process, interview process and I was so close to getting the job. Then they did a credit check on me, saw the loan default and I was out. There I was XXXX years old making no more money from when I started my education and a bill I couldnt pay that took everything that was important to me way from me. \n\nAround XXXX a friend of mine approached me asking for custom party designs for her husband 's surprise XXXXXXXX birthday. She sent me a link to a page that was on XXXX. It was a page for digital party supplies that had a golfer theme. I agreed to create it for her which isnt really relevant to this story because what I got out of it was that link. After I did the work for her I investigated the link. That was when I realized this woman was selling digital party files! I thought, Hey, wait a minute, I can do this. In XXXX of XXXX I started my XXXX shop. In XXXX made my first sale within the first week of having my shop up. I was so excited! After the first one, I started getting orders every couple of days. I couldnt believe people liked my designs so much! I was so grateful too, you have no idea! Right before I  created my XXXX shop I had just gotten ripped off by a client, she owed me {$1500.00} and I got nothing. I spent 2 weeks on a project to get {$0.00} for doing it, I was in financial ruins! I had {$37.00} in my bank account and I used {$13.00} of it to start my XXXX shop. I made that {$13.00} back within the first week. In the first 2 months, I had 27 sales and it was during the holidays so I was off to a good start. \n\nSince then I also found XXXX and started uploading graphics to sell there as well. XXXX and XXXX allowed me to keep getting by. All this time I have always looked for work, sent resumes out, etc. In XXXX of XXXX, now living in XXXX XXXX XXXX  ( The way I ended up in XXXX is XXXX got more expensive so I made another move for cheaper rent ) I got a call for an interview with this company called XXXX. On XX/XX/XXXX, I got the first job that I had in 10 years! Finally, someone hired me! I was making all of {$15.00} per hour I still have my XXXX and XXXX shops on the side so I was actually doing a little better, I even got one of my loans paid off! Then it happened again, the company I was working for wasnt doing well. My full-time job went to part-time in XX/XX/XXXX. Now I am barely getting by, again and sending out resumes, working on my shops trying to bring more money in that way. This job stayed part-time until XXXX when the owner closed the office. I do still work with him doing freelance  work but guess what I am unemployed again! I had 1 job in 10 years ( insert eye-roll ). I had interviews this here with the following companies : XXXX and XXXX, XXXX XXXX, XXXX  XXXX, XXXX   XXXX  XXXX, XXXX XXXX XXXX. I have been turned down for all of them because as they all say After careful consideration, we regret to inform you that you have not been selected for this position. 20 years later and I am not qualified for full-time XXXX  work because I was not given the proper education. \n\nYou see these loans are not just about the money its so much more than that because of the tactics of the creditors they destroy families. They depress people, they make you feel like you are the scum of society because you cant afford to pay them. They take every opportunity away from you and destroy any chance you have of living a normal life. I am XXXX years old now, I downloaded the details on my loans back in XXXX of this year. I have paid $ XXXX on my loans that started at $ XXXX. Because of the defaults, interest rates, late fees my loans are at $ XXXX. I am even WORSE off than when I started. I do pay some on my loans but I cant afford a lot and I started focusing on 2 loans at a time because its all I can do. The loan that my Aunt  Co-signed on, she paid for a lot of those payments when I was at a time where I could pay nothing, that loan never defaulted so I am paying that one now. I had another one that I just paid off in XXXX of XXXX. So now I started paying on a different loan, I am working on it. I am really doing the best that I can. \nI want people to understand that because I went to this school, I have never gotten a job that has supported me enough to pay the high payments that are needed to stand a chance to pay these loans back. Because of these loans, I can never have children, I have never been in a financial position where I could afford to have a child. Because of these loans, I can never get married, the debt will be passed to my spouse. Because of these loans I will be in debt for the rest of my life. I will never own a home, I will never have a vacation and I will never have a family of my own. I am imprisoned by these loans, XXXX XXXX XXXX took away every single chance I ever had of a normal life. So you see, its not about the money, the things that school took from me are things that money cant buy. \nI am sick over the fact that someone that was born with a silver spoon and worth {$5.00} BILLION is making decisions for people like me. What Ms. XXXX has done is XXXX XXXX, she doesnt have any clue what real life is. I need to make decisions that are good for the students and the taxpayers Okay, I have a resolution for that. Every single executive and business owner that has been involved with STEALING PEOPLES LIVES take all of their money. Garnish their wages, seize their bank accounts, take their tax refunds. They are the thieves STOP PUNISHING US! Take their homes from them, sell those homes and pay the students back! You dont need to take from the students or the taxpayers you need to get the money back from the banks and businesses that took it in the first place. Oh but that would be a bad idea for Ms. XXXX right she has financial interests in this money, I mean what kind of life can you live by only having a couple of billion dollars and only one yacht? That is so horrible, what a terrible live, poor poor XXXX without {$5.00} billion her life would be a tragedy wont it? I am angry about this if you cant tell by my words Ms. XXXX is the modern-day American XXXX XXXX. She sits on one of her 10 yachts drinking champagne and eating caviar while looking down at us peasant, low life students saying let them eat their loans, I am rich so I dont care, dont take my money take it from the lower part of society, my life is worth more than that. I have news for Ms. XXXX, class is not within the money, it's in character and her character ... I have no words to describe the indecency of your character. But my words mean nothing, ha she didn't even care what the federal court said so what I say is nothing, she is above the law, she is the queen, right? So take her to the courtyard and deal with her the way the XXXX  did in XX/XX/XXXX. \n\nI never thought that this was would be my country, I grew up being proud to be an American and now it makes me sad to say this but I am now ashamed. The things that our leaders are doing to the people of this country, the greed that is poisoning the hearts of the people have created a country that I dont even know anymore. Its time for our leaders to do what is right for the people of this country and prioritize that over their bank accounts ESPECIALLY when their bank accounts contain more money than anyone can spend in their lifetime. You can start by giving us back the money that we deserve to get back. Let me get a start in life, I am XXXX, its now or never I am doing the best that I can and without this relief, I fear I never will get a chance to really live.","date_sent_to_company":"2019-12-15T06:51:15.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"89139","tags":null,"has_narrative":true,"complaint_id":"3468379","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-12-15T01:22:44.000Z","state":"NV","company_public_response":null,"sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["Her books and website taught me <em>what</em> I should have learned at the <em>XXXX</em> <em>XXXX</em>, they were a godsend! I can not express how grateful I was to discover her books. I learned <em>XXXX</em>, <em>XXXX</em>, <em>XXXX</em>, and <em>XXXX</em> in less than 6 months and I started freelancing on the side of my full-time job. The cost for me to learn this stuff {$200.00}, <em>thats</em> it!"]},"sort":[6.1845884,"3468379"]},{"_index":"complaint-public-v1","_id":"3822641","_score":3.579004,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"PLEASE REFER TO THE FULL DETAILS WRITTEN WITHIN 1-65 PAGES PDF INCLUDED THIS WILL BETTER EXPLAIN WITH FULL LENGTH DETAIL. \nHi my names XXXX XXXX and I wanted to first thank you for your time, consideration, and care over my list of valid complaints and regulatory/law violations that I now have unrefutable proof to support my claims in and of their entirety. I also would like to apologize for any ranting ahead of time seeing as how I am still trailing a severely excrutiating amount of frustration, disgust, and disgruntlement over the way I have been mistreated and uncared for by Carvana, XXXX in house lender with carvana, and their warantee company XXXX XXXX. So much so that it is absolutely disappointing/disgusting at best, and highly unethical, illegal, and potentially even criminal at worst given my valid plethora of proof and takeaways thru my experience with doing business with Carvana, XXXX, XXXX XXXX, and its representatives. My complaints surround mainly Carvana LLC, but also its in house lender XXXX, and its affiliate XXXX XXXX handling their XXXX XXXX, and the many lending laws companys like Carvana LLC and its in house lender are bound to follow and ensure proper escallation guidelines are in place and exhausted to properly document, resolve, and/or to prevent overt impacts being brought onto their clients. These Laws and regulations violations I am claiming Carvana clearly, intentionally, and severely violated without a doubt being UDAAP Unfair Deceptive Acts and Practices, Truth in Lending laws/regulations, Consumer Financial Protection Act and Dodd-Frank Act, Equal Credit Opportunity Act ECOA, and AZ Lemon Laws. To start I will explain from the beginning to paint the best picture in which i have supplied all dates within my communications, pictures, contracts, original sales page, 150 pt inspection list, car fax, and the many more files included in my large pdf compiled. I also have the recording of the over the phone conversation XXXX   had with me clearly stating the negative input of the XXXX  mechanic given the vehicles current state and expected future, highly expensive, major unaddressed complications to expect thereof especially with the type of problems incurred now occurring so early in the vehicles life at this time per XXXX XXXX mechanic inspection. Repairs so far known as immediately needed are a new radiator fan and new AC Compressor for clarity. XXXX  mechanics also agree that this vehicle is and was sold to me as one heck of a Lemon for lack of better phrasing per the mechanics way of putting it into terms. Non the less I will explain to the fullest and in its entirety regarding the situation and the nature of the specific violations they have committed within carvana LLC, XXXX, and in connnection XXXX XXXX negligenty and intentionally without a care of the harm and/or hazards brought and done onto me, my family ( wife and daughter XXXX years old ) and onto others alike with potentially lower than perfect credit many of whom share similar experiences as my own per online reviews and social media posts discovered. Whereas I am not in a position to fight the complaints of others, but I'm led to believe out of the actions and carelessness willfully taken by and exhausted by Carvana, XXXX, XXXX XXXX, and their employees in additon to the experiences Ive had and documentation thereof to support such complaints that Carvana, XXXX, and XXXX XXXX may be conspiring to commit CONSUMER FRAUD on a grand scale to do the same if not similar acts to impact the masses of less than perfect credit customers and in doing so leaving an overbearing burden on their clients and other local businesses sharing similar market interests. Mind you I am now outside of the 7 day return period and even with a slight 2 day extension granted as a result of the vehicles pre existing mechanical issues which took me to XXXX  XXXX XXXX and my vehicle is still in the shop without the greenlight from XXXX XXXX XXXX to approve the work to be started. Now the vehicle has been in the shop for a severly unreasonable amount of time since monday XXXX after sitting in the parking lot unmoved all weekend at my apartments since pickup Saturday XXXX and I only got to test drive it home approx 15 miles only to discover the overheating issue while A/C is running which is beyond the engine noise issue only acknowledged as an issue by me and carvana rep at time of pickup leading to the ASR Report filing by the agent of carvana to enable the fixes that havent been approved causing me to lapse on my return period. All the while they had plenty of time and knowlege of the work to be done by XXXX  mechanic inspection but have yet granted the approval to start the actual fix. With this just being the tip of the iceberg please allow me to fully explain so you take away the best picture as to how all this truly came to be and you will see by the end that invevitably an investigation into their lending practices and regulatory obedience is absolutely neccessary to uncover how large the previously mentioned conspiracy to commit CONSUMER FRAUD on a grand scale is and has been within Carvana, XXXX, and their associated Warantee Company XXXX XXXX as I suspect given how everything happened so far. Sadly this is my first and my worst certified used car purchase experience whereas I have had better luck with vehicles purchased in my younger years thru private parties with over XXXX and they even lasted longer than the XXXX  of a Lemon they falsely advertised and sold me the private party vehicles previously noted survived longer and with less work if any ever needed beyond oil changes and similar common maintenance. This brings me to my next point which the XXXX XXXX mechanics feel is all i should have to worry about is common maintenance oil change brake changes etc even with this XXXX XXXX  age and mileage. Knowing my claims and knowing very well the Laws described as a banker whom previously originated loans for majority of my banking career myself and having to exhaust measures to comply and if needed escalate and document day over day in my own job I refuse to be played as a fool and taken advantage of by Carvana, XXXX, and XXXX XXXX warrantee, and am now first trying to gain a FULL resolve to the fullest extend permitted by the presiding laws, regulations and penalties thereof as described. This including the tier 3 CONSUMER PROTECTION ACT VIOLATIONS and the many others alike previously noted and claimed as violated by Carvana, XXXX, and its affiliated XXXX XXXX warrantee. My goal is to reach a fully encompassed and appropriate resolution with filing this complaint and to the extent that I see and know as allowable by law as it is clearly written. Otherwise should this complaint not prevail as expected, as easy it is to prove, and should Carvana and the other affiliates not want to take ownership of their, especially CARVANA LLC, severe violations and unethical nature of the violations therof then I will be left no choice other than to pursue my claims including additional PUNITIVE DAMAGES after consulting my attorney if needed therof to take action in a formal civil litigation lawsuit where a Judge will mandate Carvana LLC and any other  associated affiliates to be investigated, placed under severe regulatory overwatch should they be allowed to operate further, and penalized both civil and federally thus investigated to the fullest extent of their violations and the penalties thereof as this case is pretty black and white in its entirety and my documented proof will justify such at any time just as I am proving to you within the CFPB. Especially now that I may be facing soon a loss of job due to having now been sold severely unreliable transportation that is overly prone to severe breakdowns soon per the XXXX  mechanics inspection and experience. Which to better explain once my job determines working from home is no longer needed/available and a return to the office is mandatory me and my family will be left with the severe overt impact this Carvana LLc Company has caused on top of the overt impacts already suffered on account of their length of negligence and lack of care towards their customers and towards the laws that govern their sale activities and abilities thereof. I will explain from the beginning. Me and my family had been involved in a Hit and Run accident that left me my previous vehicle at a total loss and in a deficit still owing on the other vehicle. So moving forward I chose to give Carvana a chance approx XXXX and applied online to see what I may be approved for to obtain another vehicle. Carvana had at that time approved me for financing at a high interest  rate with a {$2900.00} down payment and no vehicle trade in. I took my time to research the available vehicles and was originally looking into something similar to my XXXX XXXX XXXX but later me and my family chose to go with a bigger vehicle we felt safer in due to the nature of the damage to the XXXX  on such a low speed impact which upon continuing to search we found this unique looking XXXX different than the rest. The XXXX was within my price range yielding a {$2900.00} down payment requirement even with additional warrantee coverage and gap insurance. Also compared to many other vehicles listed the XXXX XXXX XXXX had a clean XXXX  including regular in shop oil changes etc as listed and the XXXX  had a supposed clean 150 pt inspection listed as done on XXXX stating the vehicle was fully operational without issue this including the areas around where the issues I have experienced since are occurring. Therefore at that time we determined as a family it would be best to go with the XXXX  and despite the year and mileage on account of the history of the jeeps XXXX and 150pt inspection records and care for thereof that made us feel we were making a purchase of a quality fully functional vehicle as Carvana continued to what we now know to be falsly promoted via email and on their site. Within the time of shopping from XXXX thru XXXX we were making last minute choice changes only to revert back to the XXXX as our final choice by XXXX thru XXXX me and my family were making our final choice around going forward with the XXXX  per our final decision making to choose a larger vehicle that made me and my family feel safer. Included are the previous and final version of the signed contract up till day of pickup. During this time I almost lost my ability to purchase the XXXX making changes to my vehicle of choice and luckily it became unreserved and was able to be reverted back to the XXXX shortly after and reserved as my selected vehicle under my profile. Whereas Carvana was ready to sell to another party and would of just as easily bestowed the same issues onto someone else without a doubt and without any care as my experience has proven from beginning to end. Without any clear care for Federal and State Laws/Regulations in addition as you will see with my explanation and proof thereof. This after all my experiences leads me to firmly beleive the acts and violations committed very well may be being commited by Carvana, XXXX, and their Warantee Company XXXX XXXX intentionally against me, my family, and other less than perfect credit customers alike on a grand scale leaving them stuck with broken lemon vehicles that havent been cared for as they advertise prior to listing thus leading to the inevidable sale of these vehicles such as the Lemon \" XXXX XXXX XXXX '' sold to me and my family carelessly. Moving on with my explanation and fine points. Once I had everything in line from funds verification, document verification, contract signed, and insurance swapped over from my previous vehicle on friday by approx XXXX to XXXX I wake up saturday XXXX at XXXX XXXX in the morning to find out that Carvana unexpectedly has emailed me to reschedule my pickup time due to a newly discovered COSMETIC concern and that they quote on quote per their email say in writing '' CARVANA WANTS TO PROVIDE ME THE VEHICLE AS IT WAS ADVERTISED ''. This told me nothing to the true extend of the reasoning behind the delay. Upon calling Carvana to find more information I was advised by their phone representative that it appears that the cosmetic concern is actually a result of a Carvana employee whom hit the XXXX XXXX Bumper with a vehicle while driving to move another vehicle. I was bitterly furious and livid to find this out as to how this could of carelessly happened and having to call myself to find the truth as to what happened rather than be told upfront and truthfully. Not to mention also having to of called myself to attempt to escalate the issue and find out the truth rather than simply being told the truth via email, or even called to be informed of the occurrence, how they will be fixing it, and my rescheduling options. I then sent further emails requesting this issue be escalated, for a supervisor to contact me, and for pictures to be sent to show the extent of the damage their employee had done. I also emailed them around XXXX XXXX requesting further accommodations due to the nature of the issue and inconvenience which was ignored. One request was to have the vehicle delivered waiving the charge of {$500.00} since I had to make alternative arrangements that may have further impacted my jobs in addition to the time I already had to take off unpaid to resolve these issues. Out of my requests NONE of which were ever done and after about a week of waiting and following up with Carvana to find out if info and formal pictures of the bumper issue will be sent and if someone can better explain to me how this could of happened so carelessly. I kept in communication to no avail for days on in with the understanding that this bumper replacement would of taken till XX/XX/XXXX for the part to be delivered for replacement. Over the next few days I continue to call taking unreasonable amounts of impactful time off work to find out if they have any update only to eventually find out all they are willing to do is paint the bumper rather than replace it. This being after days of waiting to find any info out. Still no pictures or other supporting documentation was provided as requested in regards to the damage done prior to pickup. Also this overall determination took a severly unreasonable amount of time to come to conclusion on to be able to move forward with the sale. Not to mention the obvious devaluation of the collateral vehicle due to the incident. Mind you still to this day they have never updated their site sale page as listed to indicate the additional accident and repair nor did they update the advertised mileage as required instead they kept the originally stated mileage which was XXXX as shown in the pictures of original advertisement. On Wed XXXX XXXX XXXX from Carvana phone number XXXX I was called and left a Voice Message by a representative within Carvana LLC Named XXXX. This agent XXXX I spoke to over the phone and actually followed up as promised, only once, to advised me saying the earliest time Carvana can have the car ready for pickup is Friday XXXX at XXXX which inevitabely had to be rescheduled online for the following saturday XXXX to avoid further impacts to my job and paid time worked vs unpaid time taken off to address and handle issues that Carvana has caused and provided little to no effort to resolve or escallate appropriately. Upon me having discovered the issue of the Carvana LLC Employee hitting the XXXX and time originally quoted to fix the bumper thru replacement but was later only painted supposedly and without supporting documentation provided to me as requested to affirm the damage and fix. I luckily avoided further negative financial impact unto me and my family in having to swap the vehicle under my insurance back to my older vehicle listed up until the XXXX was further ready for pickup proceeding the fix. This action having to be taken almost caused me to have a gap in covereage for my auto insurance and would of cost me a plethora more financially month over month year over year in premiums had the agents not been able to aviod the gap in coverage. Luckily this was avoided and situated to reprocess the same quote when the time was right later in the month of XX/XX/XXXX. Moving forward once XXXX came around and vehicle was ready for pickup I once again had to take yet another expensive XXXX ride to their XXXX Location \" Vehicle Vending Machine '' address of which is listed in the many pictures on my pdf. Upon arrival I waited until my appointment time approx XXXX and the agent gave me the paperwork in the folder shown in my pdf  file compilation. She explained the vehicle still needs to be taken into emissions to pass within a few days and to use the voucher to avoid the cost after the drive cycle is complete after so many miles driven. To me this is something that should of been done just like a formal ACCURATE inspection well before my pickup especially with all the time they had the vehicle in surplus of my original pickup date and additionally the extra driving of XXXX approx. miles a Carvana Employee drove it beyond the advertised listing mileage which should of been a complete drive cycle enabling Carvana LLC to  ensure it will even pass emissions and obtaining the certification for such and fixing any issues prior to selling or even listing for sale. Once the paperwork was provided in person as shown in the pdf pictures ( return paper and car fax and few other documents ) and I initiated the coin into the vending machine the rep had to drive the vehicle around front to me for showing since their vending machine wasnt fully operational due to faulty mechanical problems as explained by XXXX the ON SITE AGENT at the location assisting had explained. Non the less when the vehicle was driven around for my viewing it immediately was further acknowledged by XXXX and initially acknowledged by Myself to be having clearly audible severe engine noises from an unknown location within the engine. At that time the vehicle was parked and idling I further inspected the XXXX XXXX both while on and off and at that time the Agent explained since this is a problem that was pre-existent prior to sale and pickup they will file a ASR Case to have Carvana LLC fix the issues in their  entirety and this allows to see if it corrects itself since she claimed it just had an oil change, or she says I can return the vehicle and get another. Which is insult to injury at this point as I am still piecing all the puzzle peices together boggled as to how this all could of been overlooked and become a problem for me so carelessly under such a companies guidance and managent who should be providing measures to prevent this from ever happening within reason. Even then after seeing the bumper I didnt even notice if they had actually done anything to the bumper as it didnt look like it had been painted as claimed and the agent didnt know any of the details about the damage location or repair either aside from it supposedly being addressed. I chose to allow them the opportunity to fix the issues evident as existing prior to the official sale. This taking place once inspected and root of issue discovered and to enable them the opportunity to correct the issues and have the vehicle to be sold as it was advertised to me and my family. Also just as I mentioned before as to how Carvana assured me in writing via email that their goal was to provide me the vehicle AS ADVERTISED when they had to fix the bumper issue. I allowed her to file the case taking their advise with the understanding Carvana LLC was to fix the issue as a result of this issue existing prior to pickup as XXXX confirmed. I then basically test drove the vehicle only to find out soon after within 15 miles of test driving the vehicle home that the vehicle is overheating and made it to 3/4 of the way to H on the Temprature gauge of the vehicle and luckily was able to cut the a/c and make it home without incurring a severe engine failure and without it making it all the way to H thankfully preventing a on the spot full engine overheat and failure. As you see noted via email to Carvana LLC at the XXXX addressing the newfound overheating issue in addition to the pre existing issue of loud engine noise clunking prior to pickup I sent to Carvana via email on XXXX at XXXX explaining in detail the overall issues in addition to the overheating experienced and left unaddressed for weeks prior to pickup and thru many more shop visits for the additional repairs. I further sent an email on XXXX at XXXX to XXXX to have noted and affirm I only drove 15 miles approximately home whereas the vehicle was provided to me with approx XXXX miles more than the advertised mileage and even so the listed mileage on the Final and only Signed contract Signed by me and Carvana LLC financed thru XXXX that I have included from XXXX stating the mileage of XXXX not XXXX with the exception of the approx 15 miles I drove home and left the vehicle parked to avoid engine failure and other issues alike with the vehicle. I included the picture of the odometer I took on XXXX as the XXXX   was disabled and parked until the direction was given on XXXX XXXX from Carvana LLC and XXXX XXXX via email on how and where to take the XXXX to start having it inspected to be fixed. I included screen shots of the video camera videos I have of the vehicle parked unmoved over the weekend leading to the towing of the vehicle on monday XXXX to the XXXX Shop located at XXXX XXXX XXXX XXXX. XXXX AZ XXXX Phone number XXXX at the expense of myself and my insurance company. Which is just one additional overt negative financial impact brought onto me and my family and now my insurance company XXXX for a problem they should of had clearly acknowledged and fixed prior to even listing for sale beyond their 150 pt supposed inspection. On monday XXXX I also took it upon myself to exhaust my freedom of speach and freedom of press leading to the exhaustion of my freedom of expression and made posts on XXXX  to highlight the nature of my experiece so far and embelish that I still had faith in a formal resolve. The online agent on XXXX  requested direct message via DM and I did as you see screen shotted only to eventually not get anywhere when they over promised to keep in touch with their teams to escallate this issue and see it thru. This conversation was further noted over the next week up until i lost faith in their escallation efforts, if any. Which it will be evident as to why by the time I fully explained my whole story. I further included pictures showing the time and date of the video screen shots showing the vehicle no longer in my parking lot after being towed to XXXX on Monday XXXX at approx XXXX that afternoon. I then was in clear communication with XXXX awaiting for tuesday XXXX just for the inspector to be present on duty to inspect the vehicle and once I was able to get affirmation as to the problems I was repeatedly told XXXX mechanics they would contact XXXX XXXX to explain the needed fixes and from that point on I kept calling day over day only to find out that they were still waiting for the GreenLight as they call it to even start the work once fully approved. I called XXXX that week before and was advised simply they would make sure it all gets across to XXXX as needed which at this time now as I write this I see that as clear over promise of a resolution to my escallated situation. Come around Wed. XXXX I was told by the mechanics it seems all is well and by thursday XXXX I called and was told by the other mechanic whom was telling me he wasnt sure what i was told and that he is still waiting on the green light now that they so far have communicated everything to XXXX XXXX. By this time the mechanic at XXXX told me \" so far thats all the problems, so far, that they are able to determine but man they sold you one heck of a Lemon '' which I have recorded video-audio of the XXXX mechanics stated to me that these problems shouldnt be occuring this early in the vehicles life and its a clear red flag for bigger and worse problems soon down the line and that the fix now would of been {$1400.00} out of my pocket if the Warantee was not covering it and to pretty much expect more major problems down the line which basically leads me to conclude in Carvana LLC selling this vehicle with these obvious unadvertised unaddressed and heavily neglected issues clearly there actions violated AZ Lemon Laws, Truth in Lending, Consumer Financial Protection Act, ECOA Equal Credit Opportunity Act, and have successfully crucified me and my family financially now and in the future now that I can firmly expect to experience bigger issues with no telling whether XXXX XXXX will cover all the needed repair costs, but the base principle beyond that point is this vehicle that obviously real mechanics can easily identify and acknowledge major problems with should of been fixed prior to listing for sale and or sold as a fully operational vehicle as it was advertised to be. Its also apparent that Carvana LLC never fully inspected this vehicle as advertised to of been XXXX nor cared to acknowledge the issues that were clearly existent to even non mechanics let alone the XXXX XXXX mechanics well before this vehicle was listed for sale. As mentioned before and now with the input of the XXXX XXXX mechanics taken into account its evident that I may be soon faced with loosing my jobs in the near future as result of their overt violations and actions, negligent care of, and lack of policy escallation guidelines and appropriate remedies thereof leaving me without reliable transportation which Carvana LLC heavily and falsly promotes with thier overpromised advertising of the HIGH quality of their products/vehicles and inspection standards. This is an overt impact I may incur soon enough resulting from expected major  breakdowns as clearly anticipated by XXXX mechanics for this very XXXX and the nature of the problems this early in life and their length of experience to back up such claims. Now in attempting to escalate this issue within Carvana LLC I only was able to obtain apology after apology and a slight 2 day extension to my return period whereas they refused to get me in touch with a manager repeatedly claiming to be senior representatives and they have the authority of managers when clearly they lacked the competency of such authority as shown in their lack of efforts in escalating my situation as needed. This taking place among my many communications via email, Social Media, and Call ins to support line representatives within Carvana LLC and additionally my call into XXXX XXXX encompassing the over promises of a full expeditious resolve of a problem that should of first and foremost never been a problem prior to advertising with intent to sale a product to the general public of consumers let alone the finalization of a sale with expressed knowledge of such issues. This substantiates itself seeing as how still to this very day I am left without a operable vehicle that is still in the shop without even having the work started after the shop having the vehicle for 7 days and with XXXX XXXX having plenty of room and personel to process the approval to give the XXXX shops mechanics the green light to start the work. Furthermore I later in the week on XXXX recieve a call from Carvana LLC Agents and on the same day at XXXX I recieve an email stating my 7 day return period is on its 6th day and almost expired. This poses a great deal of conflict, concern, and confusion as a result of how the online portal displays provided the two day extension timeline I thought which ended on XXXX. I then call back to carvana llc to see if they were possibly calling with an update to my apparently not escalated situation/complaint/issue only to find this out as to why they called to explain that my last day of my return period is here and then I further expressed my concern over the presiding issues and again only received apology after apology and further insult to injury saying that I can return the vehicle still for another. I then called XXXX XXXX back and followed up only to find nothing has again been updated or approved and I explained to them that im almost outside my grace period and was told they will follow up with XXXX XXXX yet again. Mind you this is a vehicle i truly never had a chance to drive beyond the test drive let alone the fact that its been sitting unfixed in the XXXX  shop for days waiting for the greenlight that since has still never been given. Now here we are on XX/XX/XXXX both XXXX Shop and XXXX XXXX have been closed since closing on Saturday XXXX and I have no follow up from anyone and still my vehicle has not recieved the formal approval as requested by XXXX days ago to start the repairs and my original return period and my 2 day extension has officially expired as shown in the screen shots and I now have been stuck with a broken disabled vehicle that Carvana LLC financed thru in house financing thru XXXX since day one. This leaves me no other choice as to follow thru with my formal complaint. If needed provided the lack of sufficient resolve per my expectations which will be to the fullest extent of the laws regulating such transactions then I will be left no choice but to follow thru with contacting my attorney to file a formal civil litigation law suit to pursue my claims in addition to the punitive damages incurred and soon to be incurred down the line as a result of Carvana LLC and its Affiliates overt actions and clear malicious  intentions. Me and my family are now left without a vehicle having to walk in excessive heat to handle my normal family obligations, or pay excessive tolls to take XXXX rides, and for many this would already have been a total loss of their job, or other heavy gravity consequences at that hands of Carvana LLC,  XXXX, XXXX XXXX, and their employees. As I have told Carvana LLC in many forms of communication apologies dont explain to a persons boss why an employee isnt reliably available and on time or able to hold their end of their own obligations because he cant get to work to fufill his responsibilities. I am left only to firmly believe and firmly can prove Carvana LLC in addition to its affiliates commited overt consumer fraud against me and in doing so severly violated Consumer Finacial Protection Act, UDAAP, Truth in Lending Act, ECOA, and AZ Lemon Laws blatantly  robbing me of my {$2900.00} Down Payment I paid and has posted as a debit to my account for such. Above all the vehicle is still unfixed in the shop and out of my posession to even fathom a return if I chose to do so, and still XXXX  has no formal approval from XXXX XXXX to Fix the Vehicle. Me and my family as I described to Carvana LLC shouldnt have to sacrifice our choice of vehicle  because they chose to DECEPTIVELY FALSIFY their advertisements and FAILED to fully address and fix the blatant issues I am having addressed in the mechanic shop now which again still havent been granted approval by XXXX XXXX to even start the repairs, and clearly shouldnt have been a problem in the first place before they list a product for sale as fully operable in all areas per their own inspection and details within the advertisement page online. I can only come to one conclusion from my experience, understanding of the presiding laws, and the nature of conduct/gravity of their violations","date_sent_to_company":"2020-08-31T09:32:44.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"85018","tags":null,"has_narrative":true,"complaint_id":"3822641","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Carvana Group, LLC","date_received":"2020-08-31T07:08:19.000Z","state":"AZ","company_public_response":null,"sub_issue":"Fraudulent loan"},"highlight":{"complaint_what_happened":["So moving forward I chose to give Carvana a chance approx <em>XXXX</em> and applied online to see <em>what</em> I may be approved for to obtain another vehicle. Carvana had at that time approved me for financing at a <em>high</em> interest  <em>rate</em> with a {$2900.00} down payment and no vehicle trade in."]},"sort":[3.579004,"3822641"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":23,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":23}]}},"product":{"doc_count":23,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":4},{"key":"Home equity loan or line of credit (HELOC)","doc_count":1},{"key":"Other type of mortgage","doc_count":1},{"key":"VA mortgage","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":4}]}},{"key":"Student 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