{"took":444,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":47,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2990631","_score":15.547747,"_source":{"product":"Student loan","complaint_what_happened":"My student loan from XXXX XXXX was abruptly given to Firstmark Services, apparently previously known, or owned, by a terrible student loan servicer with lawsuits against them, Nelnet, on XX/XX/2018. Before this happened I researched XXXX XXXX and found nothing but terrible things about them, including how fraudulently they handle payments. They regularly do not credit payments to due dates, loose or lie about having cashed or received payments, and do not resolve the problems that they have created for their customers. I made my payment due XX/XX/XXXX through my old servicer, XXXX XXXX, on XX/XX/XXXX. When my account was transferred to XXXX I did not have a payment due until XX/XX/XXXX. I purposely did this after learning about the terrible problems other people had with them just being honest about payments made. On XX/XX/XXXX I created an online account with XXXX. My balance was {$50.00} due on XX/XX/XXXX. I was extremely anxious and worried about making a payment. Based on the recommendations I found from other customers on their XXXX   review page, I paid online and not by check, which XXXX regularly lies about having received ( seriously, check out the 60+ negative reviews on the XXXX  page for all the information you could possibly want ). On XX/XX/XXXX, I logged in again and made a payment of {$50.00} for my XX/XX/XXXX due date. It was debited and cleared my bank on XX/XX/XXXX. My XXXX online account records the payment as being paid on XX/XX/XXXX. I was on vacation for the last 2 weeks of XXXX and didn't have steady internet access. When I returned home on the XX/XX/XXXX I immediately checked my XXXX account, thinking, \" no way could they ignore my payment made a month ago in plenty of time for my due date. '' Sure enough, they have. The payment has not been credited to my XX/XX/XXXX due date. I contacted them through their online email contact form. I do NOT do business over the phone due to having no way to record and prove anything said on the phone. By mail or email with physical proof is the only way I do financial business. I received an email back the next day from a XXXX XXXX, who blatantly ignored my question of why the payment was not credited ( how is this not automatically done!?? ) to my XX/XX/XXXX paydate. He just repeated, your due date is XX/XX/XXXX, after he stated that yes, there was a payment on XX/XX/XXXX .... Blatantly ignoring the problem. I immediately replied to the email more forcefully. After 5 days, I received a reply on XX/XX/XXXX from a XXXX XXXX that he finally seemed to understand the problem of the payment not being credited towards the XXXX due date. He said that \" After reviewing the account, a payment of {$50.00} was made on XX/XX/2018 that should have went towards the XXXX monthly payment. A request has been submitted to advance your due date to XX/XX/2018. Please allow 3-5 business days for processing. '' It has been 6 business days and I logged into my XXXX account today to check and see if the problem had been resolved. It hasn't and now they're saying I am late and owe {$100.00} ( {$50.00} XXXX payment that I made and my upcoming XX/XX/XXXX payment. ) I want this resolved with an apology, a real apology, and no late fee from the company well before my XX/XX/XXXX payday so I can make the XX/XX/XXXX payment correctly. I have never had so many problems as this! IT'S THE FIRST PAYMENT I'VE EVEN MADE OR HAD AND THEY'VE XXXX  IT UP ALREADY! THIS IS A TERRIBLE COMPANY! MY FIRST PAYMENT AND HOW THE XXXX CAN THEY POSSIBLY DO THIS??? \n\nIf this is not cleared up, I am going to do everything in my power to sue XXXX and bring about a class action lawsuit for their fraudulent, predatory, student loan servicing actions. There are more than enough people interested in a class action against them just from the XXXX  review site. I have already contacted a class action lawsuit company with all of my information and the XXXX review page details for them to review other customers complaints.This is an absolute disgrace. I am so close to having this loan paid off, less than {$2000.00} at 5 % interest and they behave this viciously about such little money. \n\nI have started a XXXX page to collect people interested in a class action against XXXX. Please search Class Action Against XXXX on XXXX to find it.","date_sent_to_company":"2018-08-15T13:42:14.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"83843","tags":null,"has_narrative":true,"complaint_id":"2990631","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2018-08-14T00:13:49.000Z","state":"ID","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["Please allow 3-5 business days for processing. '' It has <em>been</em> 6 business days and I logged into my <em>XXXX</em> account <em>today</em> to check and see if the <em>problem</em> had <em>been</em> <em>resolved</em>. It hasn't and now they're saying I am late and owe {$100.00} ( {$50.00} <em>XXXX</em> payment that I made and my upcoming XX/XX/<em>XXXX</em> payment. ) I want this <em>resolved</em> with an apology, a real apology, and no late fee from the company well before my XX/XX/<em>XXXX</em> payday so I can make the XX/XX/<em>XXXX</em> payment correctly."]},"sort":[15.547747,"2990631"]},{"_index":"complaint-public-v1","_id":"2830309","_score":15.376638,"_source":{"product":"Debt collection","complaint_what_happened":"I fell behind on my payments to XXXX XXXX due to being in an accident, which left me unable to work for the past year. XXXX XXXX cancelled my accounts and sent my bill to a law firm, Michael & Associates , PC for collection. \n\nOn XX/XX/XXXX, I received a letter from Michael & Associates , PC. They were attempting to collect my debt for XXXX XXXX and they told me they had a wide variety of payment options to assist me with paying my debt back. \n\nThere was a phone number included if I had any questions or if I wanted to make payment arrangements. I called the law firm in XX/XX/XXXX and spoke with one of their attorneys. I told him I wanted to set up a payment plan and would be ready to start a payment plan in the next month or two. He advised me to call him when I was ready to make payments. He said he would touch base with me in about a month and that it would be no problem. \n\nOne month later I received a letter dated XX/XX/XXXX which said please be advised that this law office is in the process of filing a lawsuit against me. As soon as I read the letter I called the office and gave my case number and asked to speak with the original attorney I spoke to the first time I called. \n\nI got transferred to a woman named XXXX XXXX who told me I could not speak to the original attorney. I asked for his full name and she refused to give it to me, and only offered me his initials, ( XXXX   ) and was told that he did not work in that office and I could not speak to him. I told her I was ready to set up a payment plan but the amount I told her I could pay was not acceptable to her. She said she needed at least {$2000.00} up front and then we could figure out a payment. She asked me if I could borrow money from my family or if I had Social Security. I told her that was not an option and that I did not have Social Security or any income. I explained to her that I had been out of work for the last year due to my accident, and taking care of my mother who is XXXX XXXX  and XXXX. \n\nXXXX proceeded to tell me that Michael & Associates , PC had already filed a lawsuit against me on XX/XX/XXXX. I checked with the court and as of today, XX/XX/XXXX, no lawsuit has been filed. I dont know how to resolve this.","date_sent_to_company":"2018-03-02T08:26:28.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"92708","tags":null,"has_narrative":true,"complaint_id":"2830309","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Michael & Associates, PC","date_received":"2018-03-02T02:17:24.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["I explained to her that I had <em>been</em> out of work for the <em>last</em> year due to my accident, and taking care of my mother who is <em>XXXX</em> <em>XXXX</em>  and <em>XXXX</em>. \n\n<em>XXXX</em> proceeded to tell me that Michael & Associates , PC had already filed a <em>lawsuit</em> against me on XX/XX/<em>XXXX</em>. I checked with the court and as of <em>today</em>, XX/XX/<em>XXXX</em>, no <em>lawsuit</em> has <em>been</em> filed. I dont know how to <em>resolve</em> this."]},"sort":[15.376638,"2830309"]},{"_index":"complaint-public-v1","_id":"3627853","_score":13.858383,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"United States v JP Morgan Chase Bank Claim ID : XXXX Upon applying for this settlement before XX/XX/XXXX, I informed FHA Lawsuit on the application and sent a letter stating that I was divorced. I provided a copy of my divorce papers and asked that when the settlement comes to provide a 50/50 split payment on my behalf. \n\nOn XX/XX/XXXX, I received the settlement check from the US v JP Morgan Chase Bank with the check being made in the borrower and co-borrowers name. At this time I called and emailed FHA Lawsuit and asked again for the check to be reissued as a 50/50 split payment on my behalf. On XX/XX/XXXX XXXX XXXX, Senior Project Manager replied, We are not able to revise the name under which the entire amount is reported. However, we can re-issue the amount as a split amount between the two borrowers along with revised tax documentation. \n\nOn XX/XX/XXXX, I replied to XXXX, Yes could you re-issue the amount as a split amount between the two borrowers along with revised tax documentation. On XX/XX/XXXX XXXX replied, Thank you we will place your request on hold until after the void date of all checks. \n\nOn XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX I made calls and emails to check on the status of re-issuing the new 50/50 split check. On XX/XX/XXXX, XXXX XXXX, Senior Project Manager replied, Your request to have the check split is on file with our office. However all reissues which will change the name of the payee in any way need to be held until after the void date of all checks, which will be XX/XX/XXXX. After this date, we will proceed with the reissuance of your check and checks to others similarly situated. \n\nOn XX/XX/XXXX I sent another email inquiring when the new check will be issued, since its now well past the void date of the 1st check which was for XX/XX/XXXX. On XX/XX/XXXX XXXX, Claims Administrator replies, Our office is currently working with individuals requesting a check with a name change of some sort ( this includes requests to have a check split 50/50 as well as requests to issue a check to beneficiaries of individuals who are now deceased ). At this time, we unfortunately do not have an estimated date for the reissue distribution. \nYour patience is greatly appreciated as there are many individuals requesting name changes and/or check splits and we are actively working to complete all requests as quickly as possible. \n\nOn XX/XX/XXXX, I have sent another email to FHA Lawsuit to check on the status again of re-issuing a new check. On XX/XX/XXXX, I emailed again stating, Hello. I last emailed you on XX/XX/XXXX in regards to this claim. I received the check dated XX/XX/XXXX today on XX/XX/XXXX in the name of the Borrower and Co-Borrower. You still reissued the check to me the same way you issued it in XXXX. I have waited more than 8 months and requested numerous emails and phone calls for you to split the check and issue my half in the name only. I do not have any contact with my ex and do not even know where she lives. Therefore, this check you sent can never be cashed. \n\nI would greatly appreciate it if you could reissue the check of my half in my name only and not take another 8 months to do it correctly. If there are any questions please email me. \n\nOn XX/XX/XXXX, XXXX Claims Administrator replies, We do not yet have the date that the reissue will be mailed. All similar requests must be completed before any can be mailed. Thank you for your patience. \n\nI emailed again XX/XX/XXXX. Maybe, you do not understand the last email that I sent to you on XX/XX/XXXX. Can you have a supervisor call me at XXXX XXXX XXXX XXXX? Or whom else can I speak with to have this matter resolved promptly? \n\nThe last emailed on XX/XX/XXXX explains that I received the new reissued check on XX/XX/XXXX. It was check # XXXX dated : XX/XX/XXXX. This check will expire on XX/XX/XXXX. \nThe letter states that Funds which are not cashed by this date will not be reissued to borrowers and if there are any co-borrowers on your loan and you can not secure the required joint endorsement from the co-borrower that I can call or email you. \n\nWell, when I call ; I just get a tech that tells me someone will reach out to me and they will send an email of the problem for me. Well, No one has reached out to call me and your email reply is not helpful. You dont know when a new check can be issued and the letter states to call if there is a problem. \n\nDo I need to send you this check back to get a new split check issued in only my Name? Why do I need to let the check expire, when it is clearly Not my fault. The very first original check sent with both parties name was check # XXXX expiring XX/XX/XXXX. And I was told the check had to expire and then all people with these problems will be reissued a new check. Well I get the new check and the problem was not fixed. It was still issued wrong with both borrowers name instead of a split check. \n\nFrom the start of this process. I asked to have a split check and sent in my divorce documents showing proof that my ex and I are no longer together. \n\nI This check should have been a split check with my name only. \n\nI have attempted to reach out to FHA Lawsuit by phone and emails numerous of times with regards to this issue and Im still getting the run around. \nI emailed this issue on XX/XX/XXXX and XXXX XXXX responded on XX/XX/XXXX and XX/XX/XXXX. I emailed on XX/XX/XXXX and XXXX replies on XX/XX/XXXX. \nI emailed this issue on XX/XX/XXXX and you ( XXXX XXXX replied on XX/XX/XXXX. I emailed again on XX/XX/XXXX and you ( XXXX XXXX replied on XX/XX/XXXX. I emailed again on XX/XX/XXXX with the new check issued being wrong again and you ( XXXX XXXX replied. \n\nSo do you now see where the problem lye. I am so frustrated with this process, because I have reached out numerous of times and I keep getting the same XXXX  XXXX time and time again. \nCan someone who can help to resolve this matter call me at XXXX XXXX XXXX XXXX. If not, what is your consumer complaint number or email?","date_sent_to_company":"2020-05-04T14:56:22.000Z","issue":"Problem with customer service","sub_product":"Refund anticipation check","zip_code":"324XX","tags":null,"has_narrative":true,"complaint_id":"3627853","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-04-29T02:35:16.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em>, I have sent another email to FHA <em>Lawsuit</em> to check on the status again of re-issuing a new check. On XX/XX/<em>XXXX</em>, I emailed again stating, Hello. I <em>last</em> emailed you on XX/XX/<em>XXXX</em> in regards to this claim. I received the check dated XX/XX/<em>XXXX</em> <em>today</em> on XX/XX/<em>XXXX</em> in the name of the Borrower and Co-Borrower. You still reissued the check to me the same way you issued it in <em>XXXX</em>."],"issue":["<em>Problem</em> with customer service"]},"sort":[13.858383,"3627853"]},{"_index":"complaint-public-v1","_id":"3266830","_score":13.379424,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear Experian : I have two credit cards on file from XXXX XXXX XXXX. The card ending in XXXX was opened XX/XX/XXXX. The other Card ending in XXXX was opened in XX/XX/XXXX. \nCard Number XXXX has been reporting over two years and card number XXXX has now been reporting 14 months ... Both cards are reporting separately as they should. However ' your company not XXXX XXXX is reporting incorrectly. \n\nI have asked your company to stop sending me out of the United States of America to people that don't speak my language well, don't understand what I'm trying to accomplish and frankly speaking could careless about my credit file. I would like my file worked on by folks here in the United States please. I would like to get my matter taken care of. I have contacted my Congressman and United States Senator in Washington D.C. I have asked Washington D.C. to help me get my credit file reported the correct way and that Experian takes my matters seriously as they are. \n\nI have received responses from both my Congressman and my US Senator Offices. During my phone conversation with both office these last several weeks they both ask that I duplicate what info I sent originally to your company and your company 's responses. I forwarded to both offices my first written complaint and dispute with all the proper Identification and police reports that I sent to your company. \n\nIn response to what you have written me these last several months. Experian sent me one letter stating that I had not sent in proper identification when I had. I even had an attorney review the information I had sent which was ample. With enough said here let 's see if we can resolve my issue. I ask that when answering this complaint that you supply me an employee number and department you are reporting from as this is not a dispute. I feel I have been run around enough. \n\nYour company has given me the all time blow off for whatever reason. Your company has hurt my chances at purchasing the home I am currently leasing because no one within your company wants to do the work to correct my issue 's you keep disputing this issue. \n\nI also need information of who is working my credit file complaint here Because I know this complaint will fall on deaf ears. I don't want to hire an file a lawsuit because your company continues to write me letters blowing smoke as to why you can't fix the issue of why you won't fix the issues at hand. Is this complaint also going out of country? \nIs Experian and there employees that fixated with not helping me with such a small issue that you really want to put this every ill man through all this. I am a fighter a former XXXX XXXX  XXXX. I know you will send me another letter as to why you can't fix my problem instead of fixing it. \n\nToday XX/XX/XXXX I called your and your company. Again both Cards are over six months old and should be reporting just look at my file I have a copy in front of me. Your company is holding me hostage while I try to purchase the home I'm living in. By telling me during a phone conversation today that I must pay my credit cards on time as I have over two years now and for me to keep paying and paying and one day you'll score me. I have spoken to XXXX XXXX as you told me to which shows the problem is with your company not XXXX XXXX. \n\nI am asking not to put me back in dispute and to merely fix a minor issue with my credit file and reflect on your computer what the credit card is being reported correctly by XXXX XXXX and to show what you are showing on my report correctly that's all I'm asking. Again card number XXXX has been issued since XX/XX/XXXX over two years and card number XXXX has been in effect for 14 months now and is being reported correctly. With your company not reporting this problem correctly I can't get a credit score from Experian ... Even though XXXX and XXXX is reporting correctly. \n\nI am begging on my hands and knees to please fix my problem here so I do not lose my home as if this is not corrected immediately the owners will kick my family and I out of our home and they will sell my. We want want to live here. My kids are sitting next to me asking that Experian do the right thing her. A completely easy fix by someone who knows what there doing. Please we ask for immediate attention. \n\nSincerely Yours, XXXX XXXX XXXX","date_sent_to_company":"2019-06-06T23:30:35.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48843","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"3266830","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-06-06T21:40:48.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["By telling me during a phone conversation <em>today</em> that I must pay my credit cards on time as I have over two years now and for me to keep paying and paying and one day you'll score me. I have spoken to <em>XXXX</em> <em>XXXX</em> as you told me to which shows the <em>problem</em> is with your company not <em>XXXX</em> <em>XXXX</em>."],"issue":["<em>Problem</em> with a credit reporting company's investigation into an existing <em>problem</em>"]},"sort":[13.379424,"3266830"]},{"_index":"complaint-public-v1","_id":"5742934","_score":13.3659725,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX has now made false statements to the CFPB and myself. They lied and said they 'confirmed no negative account information is being reported to the bureaus. ' That is false. I have proof right here. I have a copy of my XXXX credit report, as of today, that proves the false adverse credit file information is still being reported. This now marks my FOURTH attempt to resolve this issue and I am preparing to file a lawsuit if it does not get corrected within the next 7 business days. I have had it. I am tired of companies thinking they can put whatever they want on my credit report that is completely false, and I am tired of the severely unethical and bias for-profit credit bureaus that allow it and make deceptive statements that the information has been verified as accurate when it absolutely has NOT been. I am not going to tell you again XXXX, get this false information OFF my report and do it NOW. I had a flawless record with your company, you closed my account anyway, and now you are reporting NEW and FALSE information against me that has destroyed my credit score as it is being considered by the bureaus to be 'report of a new bankruptcy ' and I am furious that you lied that no problem exists when I have already proven that it does. Fix it, and stop lying. It is causing me serious duress to have to haggle back and forth about it like its a fish market when I did absolutely nothing wrong to deserve this violation of my consumer rights and defamation in the first place. Take care of it and do not blow me off this time. I mean it. CFPB, do not transfer my complaint somewhere else this time and tell me you do not handle this type of complaint when the evidence is right here that you do because it is featured in all of your drop down menus. It's not my fault there are so many of my creditors, violating my rights with false information, that I have so many open complaints. You should be that much MORE motivated to help me, should you not? I want this addressed. And the fact XXXX made false statements in response to my last complaint, and still ignored my XXXX complaint altogether and said it does not exist. Well I attached a copy right here. So now what? # 1. XXXX information needs to be corrected including removing the false bankruptcy information that is currently being reported see copy of report for proof. # 2. My entire flawless payment history has been deleted from Equifax, that needs to be corrected. # 3. The 'customer disputes after resolution ' indicator needs to be removed from all three bureaus once those issues have been corrected.","date_sent_to_company":"2022-07-06T20:14:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89107","tags":"Servicemember","has_narrative":true,"complaint_id":"5742934","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-07-06T20:14:43.000Z","state":"NV","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> has now made false statements to the CFPB and myself. They lied and said they 'confirmed no negative account information is being reported to the bureaus. ' That is false. I have proof right here. I have a copy of my <em>XXXX</em> credit report, as of <em>today</em>, that proves the false adverse credit file information is still being reported. This now marks my FOURTH attempt to <em>resolve</em> this issue and I am preparing to file a <em>lawsuit</em> if it does not get corrected within the next 7 business days."]},"sort":[13.3659725,"5742934"]},{"_index":"complaint-public-v1","_id":"5742931","_score":13.3565235,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX has now made false statements to the CFPB and myself. They lied and said they 'confirmed no negative account information is being reported to the bureaus. ' That is false. I have proof right here. I have a copy of my TransUnion credit report, as of today, that proves the false adverse credit file information is still being reported. This now marks my FOURTH attempt to resolve this issue and I am preparing to file a lawsuit if it does not get corrected within the next 7 business days. I have had it. I am tired of companies thinking they can put whatever they want on my credit report that is completely false, and I am tired of the severely unethical and bias for-profit credit bureaus that allow it and make deceptive statements that the information has been verified as accurate when it absolutely has NOT been. I am not going to tell you again XXXX, get this false information OFF my report and do it NOW. I had a flawless record with your company, you closed my account anyway, and now you are reporting NEW and FALSE information against me that has destroyed my credit score as it is being considered by the bureaus to be 'report of a new bankruptcy ' and I am furious that you lied that no problem exists when I have already proven that it does. Fix it, and stop lying. It is causing me serious duress to have to haggle back and forth about it like its a fish market when I did absolutely nothing wrong to deserve this violation of my consumer rights and defamation in the first place. Take care of it and do not blow me off this time. I mean it. CFPB, do not transfer my complaint somewhere else this time and tell me you do not handle this type of complaint when the evidence is right here that you do because it is featured in all of your drop down menus. It's not my fault there are so many of my creditors, violating my rights with false information, that I have so many open complaints. You should be that much MORE motivated to help me, should you not? I want this addressed. And the fact XXXX made false statements in response to my last complaint, and still ignored my XXXX complaint altogether and said it does not exist. Well I attached a copy right here. So now what? # 1. TransUnion information needs to be corrected including removing the false bankruptcy information that is currently being reported see copy of report for proof. # 2. My entire flawless payment history has been deleted from XXXX, that needs to be corrected. # 3. The 'customer disputes after resolution ' indicator needs to be removed from all three bureaus once those issues have been corrected.","date_sent_to_company":"2022-07-06T20:14:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89107","tags":"Servicemember","has_narrative":true,"complaint_id":"5742931","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-07-06T20:14:43.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> has now made false statements to the CFPB and myself. They lied and said they 'confirmed no negative account information is being reported to the bureaus. ' That is false. I have proof right here. I have a copy of my TransUnion credit report, as of <em>today</em>, that proves the false adverse credit file information is still being reported. This now marks my FOURTH attempt to <em>resolve</em> this issue and I am preparing to file a <em>lawsuit</em> if it does not get corrected within the next 7 business days."]},"sort":[13.3565235,"5742931"]},{"_index":"complaint-public-v1","_id":"5744625","_score":13.284985,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Sterling Jewelers has now made false statements to the CFPB and myself. They lied and said they 'confirmed no negative account information is being reported to the bureaus. ' That is false. I have proof right here. I have a copy of my XXXX credit report, as of today, that proves the false adverse credit file information is still being reported. This now marks my FOURTH attempt to resolve this issue and I am preparing to file a lawsuit if it does not get corrected within the next 7 business days. I have had it. I am tired of companies thinking they can put whatever they want on my credit report that is completely false, and I am tired of the severely unethical and bias for-profit credit bureaus that allow it and make deceptive statements that the information has been verified as accurate when it absolutely has NOT been. I am not going to tell you again Sterling, get this false information OFF my report and do it NOW. I had a flawless record with your company, you closed my account anyway, and now you are reporting NEW and FALSE information against me that has destroyed my credit score as it is being considered by the bureaus to be 'report of a new bankruptcy ' and I am furious that you lied that no problem exists when I have already proven that it does. Fix it, and stop lying. It is causing me serious duress to have to haggle back and forth about it like its a fish market when I did absolutely nothing wrong to deserve this violation of my consumer rights and defamation in the first place. Take care of it and do not blow me off this time. I mean it. CFPB, do not transfer my complaint somewhere else this time and tell me you do not handle this type of complaint when the evidence is right here that you do because it is featured in all of your drop down menus. It's not my fault there are so many of my creditors, violating my rights with false information, that I have so many open complaints. You should be that much MORE motivated to help me, should you not? I want this addressed. And the fact Sterling made false statements in response to my last complaint, and still ignored my XXXX complaint altogether and said it does not exist. Well I attached a copy right here. So now what? # 1. XXXX information needs to be corrected including removing the false bankruptcy information that is currently being reported see copy of report for proof. # 2. My entire flawless payment history has been deleted from XXXX, that needs to be corrected. # 3. The 'customer disputes after resolution ' indicator needs to be removed from all three bureaus once those issues have been corrected.","date_sent_to_company":"2022-07-06T20:14:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89107","tags":"Servicemember","has_narrative":true,"complaint_id":"5744625","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"STERLING JEWELERS, INC.","date_received":"2022-07-06T19:47:08.000Z","state":"NV","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have a copy of my <em>XXXX</em> credit report, as of <em>today</em>, that proves the false adverse credit file information is still being reported. This now marks my FOURTH attempt to <em>resolve</em> this issue and I am preparing to file a <em>lawsuit</em> if it does not get corrected within the next 7 business days. I have had it."]},"sort":[13.284985,"5744625"]},{"_index":"complaint-public-v1","_id":"5089966","_score":12.475984,"_source":{"product":"Mortgage","complaint_what_happened":"I called the company this morning, the representatives on the phone said that nothing in my account matches what is here in the complaint. They denied making any payments to the county, they deny that my payment is to be lowered, they denied everything, and that I am currently late paying my account. \n\nThis is NOT resolved, i have 100+ recorded calls of nothing but lies, here AFTER they stated that they will resolve the issue, AGAIN, We are being told that they will not be sending me any refunds. I will be Filing a new complaint again, and I will be filing this information with my attorney to begin a lawsuit if not resolved by End Of Day Today, XX/XX/XXXX, This has been a problem for the last Full Year, and as of XX/XX/XXXX when I began to try to work with these people to resolve, I have been met with Inefficiency and Negligence, so much to cause my health to deteriorate. Doctor Documented. I will not continue on this path. If we have to sue and file an injunction, then so be it. We are poised and postured for this fight now. \n\nInformation provided today, stated that I owe over $ 300+ more per month that what I am supposed to pay. \n\nBy the Confirmed Calculations, my payment should be as follows : {$1400.00} - Principal + Interest {$240.00} - MIP -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - {$1600.00} - Total Monthly Payment -- -- -- -- -- -- -- -- -- - Current Listed Monthly Payment - Incorrect {$1900.00} - XXXX Principal + Interest - XXXX MIP - XXXX Home Owners Insurance - XXXX Negative Escrow Balance THIS IS NOT CORRECT!!!!!!!!!!!!!!! \n\nThe Mortgage Company Sent the following Payments AFTER Being Told NOT To send the money ( in the response from the company, they stated that they should not have paid it, as they RECEIVED the Confirmation of the Exemptions - See Below in the Companys Response ) XXXX - XXXX - Tax Disbursement XXXX - XXXX - Tax Disbursement XXXX - XXXX - Tax Disbursement XXXX - XXXX - Escrow Advance - Tax Disbursement Total Money Paid in a Knowing Error - {$10000.00} This is RIDICULOUS!!!!, They stated on the phone that the money was NOT paid in error, and will NOT be Refunded. \n\nI was told that the current payment includes recovery of the Negative Escrow, which is Due to the Negligence of my account. My Payment is Incorrect, and Will NOT be paid at that amount, and I should not Owe Any Monies, Until My Money that they took and paid out in error is Returned To me. \n\nIts NOT Logical that I should have to pay for their Mistake, and Continue Until they Open Their Eyes to Correct it. \n\nThis XXXX XXXX XXXX did not Resolve Anything, he sent a message stating blah blah blah blah blah, We are Sorry, and NOTHING HAS BEEN FIXED, In Fact if for Nothing, ITS WORSE!!!! \n\nThey sent a message stating that they will not accept a payment for What I ACTUALLY Owe, because its Less than what the payment THEY INCORRECTLY STATE is Due, and If Not Paid as they stated, they will NOT Accept the partial payment and return it, which will cause even more issues. Like Late Fees, and Credit Reporting. Which at that time, we will be forced to Activate the Lawsuit being prepared, if not resolved, and we will add SLANDER to the Negligence Claim. Taking it to possibly a Class Action Lawsuit in Addition. If they have done this to me, they have certainly done it to someone else.\n\nThe other item to note. We pay our Home Owners Insurance Every Year, IN FULL with our Credit Card. We Never Opted to pay into this with Escrow. Our Attorney reviewed the CNR 's and we Opted NOT to do Escrow for this. Not to Mention our Insurance Company does not do Escrow for the insurance. This is Also a Point of Contention in this Complaint.\n\nThis Company is doing EveryThing they can to cause us pain and suffering. This now needs to come to an end. This is our last attempt, and is being sent over to our attorney for review as well.\n\nPrior information from prior complaint - listed below and reference case number : XXXX -- -- -- -- -- -- -- -- -- -- -- -- In XX/XX/XXXX, The clerk of county sent over the revised tax value and tax debt amount to the mortgage company to revise the cost associated with taxes on the property. We didn't hear anything and I called them to see what was happening or when this would be changed, this was XXXX and XXXX of XXXX. On XX/XX/XXXX I called and said we have been waiting since XXXX to get this straightened out and they said oh this will be done by the end of XXXX and you should have the money by XXXX ; they said they needed to open a work order and that it would be completed by the XXXX of XXXX and I would have my refunded money in my hand on the first of XXXX. We didn't receive it and I called again on XX/XX/XXXX and they said I had to upload some documents to them and I told them that they already had the documents and they confirmed they had them as they read them over the phone to me. I keep calling them every day to see where the funds are and why I haven't received them yet to no avail. \n\nCompanies Response : To Whom It May Concern, Highlands Residential Mortgage Ltd. ( HRM ) is in receipt of the complaint dated XX/XX/XXXX, on behalf of XXXX and XXXX XXXX ( the borrowers ). HRM values our customers, and we appreciate the opportunity to address this matter with the Consumer Financial Protection Bureau. On XX/XX/XXXX, the borrowers inquired about a tax exemption. They were advised of the email address to send the documentation. We received the documentation and opened a work order to review the taxes on the same day. The documentation received was an email to the borrower indicating the exemption was granted. On XX/XX/XXXX, we received the borrower 's written request to waive insurance from escrow. In the enclosed letter dated XX/XX/XXXX, the borrowers were advised that their request to waive insurance from escrow was denied. On XX/XX/XXXX, HRM attempted to verify the tax exemption with XXXX XXXX. We reviewed the county website and spoke with the tax office. The Tax Assessor indicated that the homeowner is not approved for any exemptions and paid current taxes. On XX/XX/XXXX, the borrower called regarding the Mortgage Insurance Premium ( MIP ) removal status and the tax exemption. In the enclosed letter dated XX/XX/XXXX, we advised the borrowers that they are not eligible for MIP removal. Additionally, the borrowers were advised the county did not verify tax exemption. The borrower emailed additional documentation on the same day, and we reopened the work order to review the borrower 's taxes. On XX/XX/XXXX, we reviewed the county website and spoke to several individuals at the tax office, and they confirmed the borrower was not approved for an exemption. On XX/XX/XXXX, the borrower called regarding the tax exemption and requested a supervisor. The documents received from the borrower on XX/XX/XXXX, were reviewed again and the work order was reopened to review the taxes. On XX/XX/XXXX, we reviewed the county website and confirmed the tax exemption was effective XX/XX/XXXX. The tax payments disbursed for XXXX did not include the prorated exemption. A new work order was opened to review a possible overpayment for XXXX. The borrowers tax line has been updated to reflect the tax exemption and another work order was opened to run an escrow analysis. Please allow 15 to 20 business days to complete our review. We are unable to accommodate the borrowers request for interest and damages due to stress. We have enclosed the borrower 's payment history for your reference. We note that the borrowers attempted to resolve the issue several times with representatives in our Customer Service Department. Our goal is 100 % satisfaction, and we regret any inconvenience the borrowers may have experienced through this process with us. Thank you again for the opportunity to address the borrowers concerns with the Consumer Financial Protection Bureau. If you have any further questions, please contact us at XXXX. Thank you, XXXX XXXX, XXXX XXXX, XXXX","date_sent_to_company":"2022-01-10T16:18:17.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"75126","tags":"Servicemember","has_narrative":true,"complaint_id":"5089966","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HIGHLANDS RESIDENTIAL MORTGAGE","date_received":"2022-01-10T15:13:59.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I will be Filing a new complaint again, and I will be filing this information with my attorney to begin a <em>lawsuit</em> if not <em>resolved</em> by End Of Day <em>Today</em>, XX/XX/<em>XXXX</em>, This has <em>been</em> a <em>problem</em> for the <em>last</em> Full Year, and as of XX/XX/<em>XXXX</em> when I began to try to work with these people to <em>resolve</em>, I have <em>been</em> met with Inefficiency and Negligence, so much to cause my health to deteriorate. Doctor Documented. I will not continue on this path. If we have to sue and file an injunction, then so be it."]},"sort":[12.475984,"5089966"]},{"_index":"complaint-public-v1","_id":"2118339","_score":12.124042,"_source":{"product":"Mortgage","complaint_what_happened":"I am writing you today to express my frustration in working with M & T Bank on a mortgage modification under the Making Home Affordable program instituted by the Obama Administration. I am at a loss as to what to do now that will encourage them to act in a timely manner to finalize a modification process that began over 4 years ago. It is my hope that in filing a complaint that a resolution regarding my application for a mortgage modification can be expedited, and pressure placed on M & T Bank to fulfill its obligation to act in a timely manner not only on my behalf, but on behalf of others that are facing the same obstacles regarding their applications for mortgage modifications. I find it very observed that I have been trying to get a loan modification for over years, and yet, till this date, we have not been able to resolve the issue. It has come to my attention that my loan modification was approved for a Streamline Loan Mod which only reduced the interest rate .25 % which actually caused my payment to increase dramatically making matters worse. I have executed reports and viewed all the guidelines necessary to qualify for an affordable monthly payment. You mentioned you could not arrange an affordable payment to support a Loan Modification due to excessive obligations to support a payment. We fought back and forth with you including the court. You have received everything you needed in regards to the Loan Modification process. Now I 'm not able to complete my modification and get out of trouble with foreclosure due to a misunderstandings and a misinformed process to resolve the loan modification. It is neither my intentions nor my fault that this debt has increased. I been trying to resolve this issue for the last 4 years with no results, basically with the same action, \" I do not qualify because I do not have enough income '' when in reality everything is already clear, and you have records of this. I just find this really obnoxious and idiotic when you have a citizen like myself, asking for help, reaching out to you throughout all this time, just because I want to keep my home, my investment, the house where my children reside. In news reports I hear that M & T Bank claims to be overwhelmed with applications for modifications. As a result, your bank is top XXXX worst servicer processing a modification. When times were good and banks were encouraging everyone to take out 1st, 2nd and even 3rd mortgages they did n't seem to have any problem keeping up with the high demand. Full documentation Mortgages could be initiated and closed inside of 2 weeks. Now, when someone asks for help, it takes years with no immediate results. I understand that across the country there are several lawsuits being filed against M & T Bank, some seeking class action status. I think it would be worth your time to look into doing the same on behalf of all Home Owners that are facing the same uphill battle with you M & T Bank as I am. Please take in consideration that I really want to keep my property. I am a single mother of XXXX children. I do n't want to move my children from the home they love and the schools they go. They have friends and participate in school activities and it would be heartbreaking for them to leave. Since my divorce, I been trying to keep consistent in their lives. Please help me the best you can, I know I qualify for a better Loan Modification, and it would be under our best interest to qualify this loan.","date_sent_to_company":"2016-09-19T18:46:57.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional fixed mortgage","zip_code":"11746","tags":null,"has_narrative":true,"complaint_id":"2118339","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"M&T BANK CORPORATION","date_received":"2016-09-19T18:46:56.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Now I 'm not able to complete my modification and get out of trouble with foreclosure due to a misunderstandings and a misinformed process to <em>resolve</em> the loan modification. It is neither my intentions nor my fault that this debt has increased. I <em>been</em> trying to <em>resolve</em> this issue for the <em>last</em> 4 years with no results, basically with the same action, \" I do not qualify because I do not have enough income '' when in reality everything is already clear, and you have records of this."]},"sort":[12.124042,"2118339"]},{"_index":"complaint-public-v1","_id":"1760292","_score":12.024273,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX Loan # XXXX Fay Servicing XXXX XXXX XXXX, XXXX, NY XXXX I am writing you today to express my frustration in working with Fay Servicing on a mortgage modification under the Making Home Affordable program instituted by the Obama Administration. I am at a loss as to what to do now that will encourage them to act in a timely manner to finalize a modification process that began over 6 years ago and with an upcoming sale date XXXX XXXX 2016. \n\nIt is my hope that in filing a complaint with that a resolution regarding my application for a mortgage modification can be expedited, and pressure placed on Fay Servicing to fulfill it 's obligation to act in a timely manner not only on my behalf, but on behalf of others that are facing the same obstacles regarding their applications for mortgage modifications. \n\nI find it very observed that I have been trying to get a loan modification with you guys for over years, and yet, till this date, we have not been able to resolve this issue. It has come to my attention that my loan modification was denied because you could not arrange an affordable payment to support a Loan Modification and excessive obligations to support a payment. We fought back and fourth with you and the court, and you received everything you needed in regards to the loan Modification process. Now I 'm not able to complete my modification and get out of trouble with foreclosure due to a misunderstanding of employees and also a misinformed process to resolve the loan modification. I have sent 'd all documentation on a timely matter and you keep requesting document after documents knowing that I have enough income to support not only a monthly payment, but to support the loan through the maturity. We have been in process for a Loan Modification for years, foreclosure should be on hold and now you have the dignity to assign a sales date and not want to help me eliminate this, and move forward with the sale when by \" Law '', the foreclosure should be postpone due to a process of a loan modification. Now I 'm facing a foreclosure sale date on XXXX XXXX 2016 and you claim there is nothing that can be done to stop this sale. \n\nIt is neither my intentions nor my fault that this debt has increased since I have been trying to resolve this issue for the last 6 years with no results, basically with the same action, \" I do not qualify because I do not have enough income '' when in reality everything is already clear, and you have records of this. I just find this really obnoxious and idiotic when you have a home owner like my self, asking for help, reaching out to you throughout all this time, just because I want to keep my home, my investment. \n\nIn news reports I hear that Fay Servicing claims to be overwhelmed with applications for modifications. When times were good and banks were encouraging everyone to take out XXXX, XXXX and even XXXX mortgages they did n't seem to have any problem keeping up with the high demand. Full documentation Mortgages could be initiated and closed inside of 2 weeks. Now, when some one asks for help, it takes those 6 years, and no immediate results. \n\nI understand that across the country there are several lawsuits being filed against fay Servicing, some seeking class action status. \n\nPlease take in consideration that I really want to keep my property. I do not want to foreclosure or bankruptcy on my property, but I need your help. \n\nAttached is a copy of the Loan Modification Package along with the Gross Income Used of XXXX Attached is also a copy of a Loan Disposition Analysis along with a property valuation that would structure a loan modification. \nWe greatly appreciate your taking the time to review my complaint. \n\nPlease help me the best you can, I know I qualify for a Loan Modification, and it would be under our best interest to qualify this loan Thank you XXXX XXXX","date_sent_to_company":"2016-01-27T16:46:35.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional fixed mortgage","zip_code":"11550","tags":null,"has_narrative":true,"complaint_id":"1760292","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fay Servicing, LLC","date_received":"2016-01-27T16:46:34.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["It is neither my intentions nor my fault that this debt has increased since I have <em>been</em> trying to <em>resolve</em> this issue for the <em>last</em> 6 years with no results, basically with the same action, \" I do not qualify because I do not have enough income '' when in reality everything is already clear, and you have records of this."]},"sort":[12.024273,"1760292"]},{"_index":"complaint-public-v1","_id":"9684795","_score":11.785198,"_source":{"product":"Debt collection","complaint_what_happened":"Please note that this will be better explained in the attached document which has images to demonstrate the errors made. \n\nMy husband became XXXX in XXXX and could no longer work. My own income also significantly decreased due to the XXXX pandemic. Faced with these financial challenges, I entered a debt relief program with XXXX XXXX XXXX that I completed. This program included two accounts with Chase. \n\nAccount XXXX : XXXX XXXX XXXX XXXX with original balance of {$2500.00} Account XXXX : XXXX XXXX XXXX XXXX with original balance of {$1900.00} I began noticing derogatory reports to my credit in XX/XX/XXXX stating that I had failed to make payments and that I had a balance of {$1900.00}. I was confused because I made all payments on time and paid the program off early. \n\nAfter making multiple phone calls, I was finally able to locate that the problem is a transactional misapplication due to a wrong account number entered by XXXX XXXX XXXX. The error occurred with Account XXXX, where XXXX XXXX XXXX mistakenly entered the wrong account number for payments. Specifically, the last four digits of Account XXXX ( XXXX ) were incorrectly entered as the last four digits of Account XXXX. This resulted in the following erroneous account number : XXXX XXXX XXXX XXXX. Also see image below from XXXX XXXX XXXX XXXX. \n\nThe checks were sent out according to the settlement agreement ( please refer to second attached document ) for both accounts. However, it appears that someone scratched out the incorrect account number next to post to account ( please refer to the images of the checks below on pages XXXX - XXXX ). Rather than applying the payment to the intended account which shared the first 12 numbers ( account XXXX ), they mistakenly applied it to the wrong account with the same last XXXX numbers ( account XXXX ), apparently without making an effort to clarify the intended account. \nThree checks were mailed for account XXXX, in the amount of {$330.00} on the following dates but were misappropriated to account XXXX. \nXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX According to Chase, the misapplication of payments led to an overpayment on Account XXXX ( ending in XXXX ). As a result, Chase, as indicated by one representative I spoke with, issued a check for the overpayment to XXXX XXXX at XXXX XXXX Firm. I contacted XXXX XXXX XXXX on three separate occasions to inquire about the status of any returned check or to reach XXXX XXXX. However, I was informed by the representative on my last phone call to XXXX, that they only become involved when a lawsuit has been filed and would not have received a returned check. I also reached out to XXXX ( formerly XXXX ) and was advised that they do not have information related to the debt settlement. Unfortunately, I was unable to obtain any information from them about a possible returned check. \n\nOn XX/XX/XXXX, I spoke with a young man from XXXX XXXX XXXX who was very helpful and elevated my case. XXXX XXXX, reached out to me on XX/XX/XXXX, as evidenced by a voicemail from her on that date. Prior to leaving for a week-long vacation, XXXX XXXX informed me that XXXX XXXX XXXX XXXX XXXX cover the {$990.00} settlement. Upon speaking with her today after her return, XXXX XXXX indicated that XXXX XXXX XXXX would instead reach out to XXXX XXXX Firm to investigate receipt of the checks. Additionally, I inquired about addressing the monthly late payments reported to my credit report due to the error, and XXXX XXXX Mentioned that the case might be escalated further to the higher ups to address that issue. I request that this case be escalated immediately. \n\nErrors were made by both XXXX XXXX XXXX and J.P. Morgan Chase in processing these payments, and neither company seems particularly motivated to resolve the issue. Despite my efforts over the past few months, I have not made significant progress despite spending countless hours on the phone re-explaining the situation to each new person I spoke with. I am also frequently informed that the resolution may take up to 45 days ; however, it has been well beyond this timeframe, and I continue to face difficulties in getting a clear resolution.","date_sent_to_company":"2024-08-01T16:17:59.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"76708","tags":"Servicemember","has_narrative":true,"complaint_id":"9684795","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-08-01T15:50:52.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["However, I was informed by the representative on my <em>last</em> phone call to <em>XXXX</em>, that they only become involved when a <em>lawsuit</em> has <em>been</em> filed and would not have received a returned check. I also reached out to <em>XXXX</em> ( formerly <em>XXXX</em> ) and was advised that they do not have information related to the debt settlement. Unfortunately, I was unable to obtain any information from them about a possible returned check."]},"sort":[11.785198,"9684795"]},{"_index":"complaint-public-v1","_id":"3560376","_score":11.457724,"_source":{"product":"Mortgage","complaint_what_happened":"My loan was originally serviced by XXXX XXXX XXXX ( XXXX ) and all of my payments were made on time and with no issue. I set up a bi-monthly payment schedule with them and configured by bank account to automatically send these payments the previous month so that the money would all be there by the due date. For example, {$850.00} of the payment due XX/XX/XXXX would be sent on XX/XX/XXXX, and another {$850.00} would be sent XX/XX/XXXX, completing the funds required to make the XX/XX/XXXX payment. \n\nOn XX/XX/XXXX, a letter was sent from Specialized Loan Servicing ( SLS ) stating that my loan had been transferred to them and they would be collecting my mortgage payments beginning XX/XX/XXXX. Since this letter was created after the transfer date and I didnt actually receive the letter until the following week, I had already made 2 payments in XXXX that were sent to XXXX XXXX. I called SLS and they assured me that any money sent to XXXX XXXX would be forwarded for the next 60 days from the XX/XX/XXXX transfer date and no late fees would be incurred. All of the payments I made starting XX/XX/XXXX were made to SLS and they have all been on time. \n\nFrom the minute they received by loan SLS has made an absolute mess of my account and I have tried to get these issues corrected over and over to no avail. On XX/XX/XXXX, I faxed a copy of all my bank payment records to SLS and asked them to please fix my account to reflect all payments. I got no response. In XX/XX/XXXX I contacted XXXX XXXX with Utah Consumer Credit and Compliance who opened a case to work with SLSs compliance coordinator to try to get this resolved. Again I got no response from SLS, but within 30 days I did receive a statement that showed that SLS had fixed the late fees and made some adjustments to my payment history. My account wasnt completely fixed but it was better than before, and I assumed it was still in the process of being worked on. As the months passed the problems still continued and past due payments started showing up on the monthly statements again. In an effort to resolve all possible confusion, I took the advice of one of their representatives and changed my payments from bi-monthly to just one payment a month starting XX/XX/XXXX. Not surprising, nothing was fixed and my payment history was still a mess. \n\nAt one point I asked if SLS could provide me with a record that showed all the payments they have received from me. This document is the biggest accounting disaster I have ever seen and only an SLS internal guru would be able to decipher their postings. I have attached a copy of this document for your review. Good luck. \n\nI decided to send another letter to SLS ( I emailed it as well this time, just to be safe ) in XX/XX/XXXX. In the meantime, I decided to try to make sense of the payment records they sent me. I was able to recognize that the very first payments on record looked off, so I called XXXX XX/XX/XXXXXX/XX/XXXX. They sent me a spreadsheet showing the last few payments before the transfer and I realized that XXXX had incorrectly applied the last payment made to them entirely to principle. \n\nI few weeks later I actually received correspondence from SLS. It had a copy of a letter they had composed back in XXXX in response to the Consumer Credit and Compliance investigation. I never received this letter originally, but it contained a statement that confirmed what I found about XX/XX/XXXX inaccurate payment posting. It also stated that they feel they have accounted for everything appropriately and they are justified in assessing the late fees and reporting late payments to the credit reporting agencies. \n\nI called again on XX/XX/XXXX with the intention of going through every single payment I show Ive made. I spoke with 3 different representatives and they all said they didnt have the ability to do that. I asked if I could make an appointment to sit with someone in person, even if it meant having to fly to their office to do so. I was told that they dont do that either. I asked if they would send me another statement showing all the payments they can see that Ive made. As of today, almost 2 months later, I still havent received anything from them. I have tried to get this info online but when I try to login to my account it gives me an error message saying that since my account is past due I need to call them. I have no idea what else to do now. \n\nI provided them with actual bank confirmations of exact dates and amounts that prove that I have never missed or made a late payment, yet they can continue to say that my account is behind, take thousands of dollars in late fees, and ruin my credit score, hindering my ability to secure other financing options. There are several class action lawsuits against this company and their XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXrating is an F, with XXXX  complaints closed just in the last 12 months! \n\nI would greatly appreciate anything you could do to help me get this resolved. Thanks in advance for your help.","date_sent_to_company":"2020-03-10T04:27:37.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"84123","tags":null,"has_narrative":true,"complaint_id":"3560376","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2020-03-10T00:00:27.000Z","state":"UT","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":["There are several class action <em>lawsuits</em> against this company and their XX/XX/<em>XXXX</em> XX/XX/XXXXXX/XX/XXXXrating is an F, with <em>XXXX</em>  complaints closed just in the <em>last</em> 12 months! \n\nI would greatly appreciate anything you could do to help me get this <em>resolved</em>. Thanks in advance for your help."]},"sort":[11.457724,"3560376"]},{"_index":"complaint-public-v1","_id":"9685726","_score":11.377218,"_source":{"product":"Debt or credit management","complaint_what_happened":"Please note that this will be better explained in the attached document which has images and highlights to demonstrate the errors made. \n\nMy husband became XXXX in XXXX and could no longer work. My own income also significantly decreased due to the COVID-19 pandemic. Faced with these financial challenges, I entered a debt relief program with Freedom Debt Relief that I completed. This program included two accounts with XXXX. \nAccount XXXX : XXXX XXXX XXXX XXXX with original balance of {$2500.00} Account XXXX : XXXX XXXX XXXX XXXX with original balance of {$1900.00} I began noticing derogatory reports to my credit in XX/XX/XXXX stating that I had failed to make payments and that I had a balance of {$1900.00}. I was confused because I made all payments on time and paid the program off early. \n\nAfter making multiple phone calls, I was finally able to locate that the problem is a transactional misapplication due to a wrong account number entered by Freedom Debt Relief. The error occurred with Account 2, where Freedom Debt Relief mistakenly entered the wrong account number for payments. Specifically, the last four digits of Account 1 ( XXXX ) were incorrectly entered as the last four digits of Account 2. This resulted in the following erroneous account number : XXXX XXXX XXXX XXXX. Also see image below from Freedom Debt Relief Dashboard.\n\nThe checks were sent out according to the settlement agreement ( please refer to second attached document ) for both accounts. However, it appears that someone scratched out the incorrect account number next to post to account ( please refer to the images of the checks below on pages 3 - 5 ). Rather than applying the payment to the intended account which shared the first 12 numbers ( account 2 ), they mistakenly applied it to the wrong account with the same last 4 numbers ( account 1 ), apparently without making an effort to clarify the intended account.\n\nThree checks were mailed for account 2, in the amount of {$330.00} on the following dates but were misappropriated to account XXXX. \nXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX According to XXXX, the misapplication of payments led to an overpayment on Account XXXX ( ending in XXXX ). As a result, XXXX, as indicated by one representative I spoke with, issued a check for the overpayment to XXXX XXXX at XXXX XXXX XXXX. I contacted XXXX XXXX XXXX on three separate occasions to inquire about the status of any returned check or to reach XXXX XXXX. However, I was informed by the representative on my last phone call to XXXX, that they only become involved when a lawsuit has been filed and would not have received a returned check. I also reached out to XXXX ( formerly XXXX ) and was advised that they do not have information related to the debt settlement. Unfortunately, I was unable to obtain any information from them about a possible returned check. \n\nOn XX/XX/XXXX, I spoke with a young man from Freedom Debt Relief who was very helpful and elevated my case. XXXX XXXX, reached out to me on XX/XX/XXXX, as evidenced by a voicemail from her on that date. Prior to leaving for a week-long vacation, XXXX XXXX informed me that Freedom Debt Relief would likely cover the {$990.00} settlement. Upon speaking with her today after her return, XXXX XXXX indicated that Freedom Debt Relief would instead reach out to XXXX XXXX Firm to investigate receipt of the checks. Additionally, I inquired about addressing the monthly late payments reported to my credit report due to the error, and XXXX XXXX Mentioned that the case might be escalated further to the higher ups to address that issue. I request that this case be escalated immediately.\n\nErrors were made by both Freedom Debt Relief and XXXX XXXX XXXX in processing these payments, and neither company seems particularly motivated to resolve the issue. Despite my efforts over the past few months, I have not made significant progress despite spending countless hours on the phone re-explaining the situation to each new person I spoke with. I am also frequently informed that the resolution may take up to 45 days ; however, it has been well beyond this timeframe, and I continue to face difficulties in getting a clear resolution.","date_sent_to_company":"2024-08-01T16:29:01.000Z","issue":"Didn't provide services promised","sub_product":"Debt settlement","zip_code":"76708","tags":"Servicemember","has_narrative":true,"complaint_id":"9685726","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"FREEDOM FINANCIAL NETWORK","date_received":"2024-08-01T16:23:01.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["However, I was informed by the representative on my <em>last</em> phone call to <em>XXXX</em>, that they only become involved when a <em>lawsuit</em> has <em>been</em> filed and would not have received a returned check. I also reached out to <em>XXXX</em> ( formerly <em>XXXX</em> ) and was advised that they do not have information related to the debt settlement. Unfortunately, I was unable to obtain any information from them about a possible returned check."]},"sort":[11.377218,"9685726"]},{"_index":"complaint-public-v1","_id":"7309896","_score":11.213516,"_source":{"product":"Debt collection","complaint_what_happened":"I am a first generation XXXX woman in the USA, I came here when I was XXXX XXXX XXXX and I am a citizen. I have been with American Express for a very long time and never had a problem. When covid hit, I lost my job and decided to stay at home with my XXXX child who is XXXX. Covid showed me the lack of care the school was giving him to overcome his XXXX. It was an immense hardship to lose my job, however seeing how the school system was failing him, my only alternative was to stay at home and homeschool him. I have used my XXXX and all my savings, and unemployment ended earlier than I was told. I had applied for my son to have XXXX, however it took awhile for the government to process his application. Currently I am backed up on my electric, water, and other bills, and trying to make it through this deep in the economy. In the last 3 years, I lost my job, I had to make a choice of letting the school system not help my son or for me to help my son and stay at home with him ( there was suppose to be a program available made by a presidential order under Trump for homeschooling, however my county could not find were those funds were allocated ), I went through my XXXX and savings to stay afloat, and my unemployment was cut short. This is the hardship I have explained to American Express many times and now a company they hire XXXX and XXXX. The moment I knew I was going to default on my card, I called American Express to try to settle with good faith what I could. I was denied, and given options that I could not afford. I received hundreds of calls along with text messages, mail and e-mails from them, regardless how many times I explained my situations the amount of calls were emotionally exhausting. I was told by their representatives that the explanation did not matter or how many times I explained as they had to keep calling me and sending me text, e-mails, and mail correspondence. A representative called me and started to yell at me asking why I had spent so much money. During this period of time American Express sent me an e-mail that my credit limit is around XXXX. I sent an e-mail to the executive customer service at American Express as I felt no one was listening to me. I had a conversation with a manager who stated, they do negotiate and I explained the situation to him and he said he would call me back and when I answer the call there was no one on the line. The executive service representative I was told I could not, it was not even an option. XXXX XXXX I have spoken to, said you have to do your due diligence and keep calling, emailing me, texting me as if I have never answered. She told me the longer the account goes unpaid the more options I would have, however there would be a hit on my credit. As far as the man yelling at me, she did not take it seriously and said something along the lines of, if it is within the time period before your account was closed then I can look at it, however her tone seemed just not interested. I had to search the time frame so she could take it seriously. Luckily there was an e-mail I had received and asked this man who had called me. I called her back and provided the number. She said she would call me back, it never happened. She said my account was at collection and she would have them call me. I promptly reacted to the call. I worked at XXXX XXXX, insurance/bank industry since I was XXXX. There are regulations around conduct. The guy yelling and me trying to handle the unfortunate circumstance I find myself in good faith is questionable. I recently talked to a supervisor, who I explained everything again. He said he would call me back, the phone rang and disconnected. I realized he did not want to talk to me. I called back in the last few days and could not get back to the supervisor who spoke to me. I had offer a settlement of XXXX over 60 months. Under the circumstances that is all I can do. {$100.00} dollars a month was also declined and the new supervisor said it would not make a difference. I said I could with my current budget maximum XXXX even though I just received an email that my limit was under XXXX. I think that would be an agreeable amount at 60 months or no interest. I was declined and told No. I keep receiving this mentally exhausting emails and text that get my hopes up of trying to settle this. As I have received legal advice, I am emailing for help. XXXX does seem to try to help. All the emails and text I receive act as I am ignoring the point. However, your notes will show that I from the beginning have been trying in good faith to resolve this. I received a call from XXXX, who is an agency hired by American Express. I talked with a manager who I explained I would be in good faith able to settle for XXXX with 60 months and 0 interest. I explained my situation again and he said if anything changed to call back. I asked for debt forgiveness and he said only American Express could do that. He said that I would be sued and I would have to also cover the lawsuit cost. I explained that I was trying to settle in good faith, he stated they could settle for around {$23000.00}, which I explained in good faith I could not afford that. XXXX since has threaten me with a lawsuit and the last conversation I had with them they told me there maybe a docket number, but I could make it go all away if I agreed to pay the amount in full. I again explained the situation and I was told a lawyer from Illinois would be filing a lawsuit. I explained that I have been in Conversation with XXXX XXXX CEO of American Express for debt forgiveness, or a settlement, with the research I did I found AMX site which states they have settled debt for 30 %, which I sent an e-mail to XXXX and stated in good faith I could do 30 % with a 72 month payment back and no interest. The debt collector told me they did not do loans any more and I needed to pay in full or else I would be sued. I e-mailed CEO XXXX XXXX from American Express, explained the above and forwarded a few of the e-mails and explained that XXXX was threatening me with a lawsuit, as well as a recap of one of the conversation with XXXX XXXX, where she acted like what I was doing was illegal to contact American Express. She stated I had to work with the agency they hire, so it is an extension of American Express as they do not sell their debt. She said that American Express is FDIC regulated and what I was asking for could not be done. I sent several e-mails to XXXX XXXX explaining how this whole process has happened along with trying in good faith to settle my account. I have also sent him recaps of my conversations and experiences with American Express and XXXX. As the XXXX is working for them as a third party, and perhaps that is why they can be so threatening with their collection methods. XXXX XXXX did reply to me once that he would look into the matter and I explained and forwarded the e-mails to XXXX, however after that I did not hear back directly from him, but XXXX called me and that is when she said FDIC would not allow them to help me. I have e-mailed XXXX manager correspondence between XXXX XXXX and myself. However, everytime I talk to someone they do not appear to have ever heard about it. Yesterday someone came to my home and stated they were an American Express representative. As my child is within the spectrum, one of his triggers is noise, the lady kept ringing the doorbell so much, and told my mom she was with American Express, she went out even though we do not answer the door to strangers for a safety precaution. Someone who stated they were with American Express came to my home, I do not think this is legal. -I followed American Express advice and took a hit on my credit and tried in good faith to negotiate my debt. I was told at first that was not possible but later that it was however that gentleman never got back to me. -I followed XXXX advice to ask for debt forgiveness from American Express XXXX. XXXX made it sound like what I was doing was not legal. She stated American Express can no longer help me, and their third party agency XXXX will have to work with me. -Zwicker has threatened me several times with the lawsuit and in the final conversation I had, the representative stated I could make it all go away by paying the total amount, and if not I would be sued and they would proceed with the docket number. -I have explained to both my hardship and even contacted XXXX XXXX CEO of American Express to try to settle in good faith and explain my situation, however both seem to have dismissed anything I said. However, after my last e-mail to XXXX explaining I may have to file a complaint against American Express and XXXX XXXX XXXXXXXX, a representative from American Express ringing my home door and causing not just me but my children distress. -I sent one final e-mail to XXXX asking if this was really an American Express representative as it scared my family and myself. The crazy part on top of everything above is that I keep getting correspondence from American Express that I pre-qualify for a new card, even though they know my situation. \n\nToday a woman who said she is detective hired by AMX came to my home with lawsuit papers. She again rang the doorbell aggressive even though there is a sing requesting not to. I took pictures of her identification and I am sending a copy of the lawsuit I received. I am being harassed and now intimidated with a lawsuit. The lawsuit also shows that the American Express representative falsely stated that AMX had nothing to do with the XXXX. On the lawsuit it states they are acting on their behalf.","date_sent_to_company":"2023-07-26T18:33:53.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"61761","tags":null,"has_narrative":true,"complaint_id":"7309896","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-07-26T18:16:47.000Z","state":"IL","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I am a first generation <em>XXXX</em> woman in the USA, I came here when I was <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> and I am a citizen. I have <em>been</em> with American Express for a very long time and never had a <em>problem</em>. When covid hit, I lost my job and decided to stay at home with my <em>XXXX</em> child who is <em>XXXX</em>. Covid showed me the lack of care the school was giving him to overcome his <em>XXXX</em>."]},"sort":[11.213516,"7309896"]},{"_index":"complaint-public-v1","_id":"10682179","_score":10.611354,"_source":{"product":"Debt or credit management","complaint_what_happened":"Account Info : XXXX XXXX Program Name : XXXX Re : XXXX XXXX XXXXXXXX XXXX XXXX ) I am writing regarding a long time unresolved escalation that I have had with XXXX of my credit card resolution offers. I was given misinformation by many agents from Beyond Finance about my XXXX XXXX XXXX account ( XXXX ). I spoke to a supervisor, XXXX, who was supposed to be getting back to me about my concerns. She said that she would review my calls and call me back. A few days later, she called me back to say that she had found nothing but that she had not reviewed all of the calls. I advised her that there was misinformation given to me and that the calls needed to be reviewed. She called me back again on XX/XX/24 and XX/XX/24 ; however, it was the weekend of a family member 's wedding, and I was not able to discuss her findings. From XXXX until now, I have continued to reach out to Beyond Finance for resolution. I was told several times that supervisor XXXX would get back to me. Many times I have called and she never got back with me. \nI finally called on XX/XX/24 to ask why no one had gotten back to me because my last request was for any supervisor to contact me to share supervisor XXXX 's findings. I was advised that the last escalation was opened but was closed XXXX minute after it was opened, and they were not sure why that happened. He apologized and stated that he would open a new escalation. He asked that I allow Beyond Finance to resolve this matter and not reach out to the XXXX  or Consumer Financial Protection Bureau. Since that call, no one has contacted me. I called today, XX/XX/24, and was advised that the last escalation is still open, but she would open up a new one in hopes that someone will reach out to me quickly. \nMy primary issue is that the XXXX prior resolution offers presented to me on my XXXX  XXXX XXXX account were explained incorrectly by many agents. I declined both offers because the amount of the down payment needed and the monthly payment increase would cause me to have to file for bankruptcy. I told each of the agents on both offers that I was on the brink of bankruptcy, and I needed to make sure that the offers were being explained correctly so I could determine my next steps. Within XXXX weeks of declining the last resolution offer, XXXX  XXXX XXXX filed a lawsuit against me. However, prior to the court date, another resolution was presented to me that did not increase my monthly payment or require a down payment, but the total settlement amount with XXXX  XXXX XXXX would increase. \nI was told it was {$7600.00}. I asked the agent how that was even possible when the first offer was {$6800.00}, which required a down payment and/or monthly payment increase. And the second offer that I declined was XXXX with a {$3000.00} downpayment and also a monthly payment increase. None of the math made sense, which was why I called Beyond Finance numerous times to get clarification on the offers before declining them. No agent explained the first XXXX offers to me correctly, and no one could tell me where the discrepancy happened because they advised that once the offer was declined, they had limited details of what the resolution terms were. I even asked if the loan terms were the same to pay off the balances. I was told yes. They were the same on each offer, which was 24 months. I found out later that XXXX offer had a XXXX term, but even with that, the math does not add up. \nI am not only upset about how these offers were miscommunicated to me, but I am also upset that I was told that I would not have to appear in court since I signed the consent judgment accepting the last offer. I was originally told that I would have to appear in court for the lawsuit. This presented a problem because I was in training at my new job and I could not call off. If I miss a day of training, I can lose my job. I had to speak to my HR dept about the situation and I was able to get off. Not only this, but I also had to find someone to get my daughter to school for the day. When the third and final resolution offer was presented to me, and I signed the consent judgment, I called Beyond Finance to see if I still had to appear in court. The agent put me on hold, and then he came back to the line and advised that I did not. I then canceled my day off from work. I also advised my neighbor that I no longer needed her to get my daughter to school. To my surprise, I actually did have to appear in court, which caused me considerable issues in trying to make that happen, all because of more misinformation by Beyond Finance. \nBeyond Finance is a debt resolution company that is supposed to help consumers who, in most cases, are on the brink of financial ruin and are trying to avoid going bankrupt. However, on this particular account and from research by speaking with many agents, I have found out that my XXXX  XXXX XXXX account was not the only information that was miscommunicated to me by Beyond Finance. I am very upset by all of it, but my biggest issue is paying a debt resolution company to mishandle my accounts. On countless occasions, I was given misinformation that not only could have caused me to file for bankruptcy but also could have put me in a very bad position with my new employer. I should not have to pay the XXXX  XXXX XXXX fee for settling this account. It was mismanaged from the time the XXXX offer was presented to me, and there are countless other miscommunications that have happened, such as when it comes to skipping a payment or adding money to your dedicated account and with agents not advising that even though you accept an offer, there XXXX be a shortage at the end of the payment terms, so a lump sum payment will be collected in addition to {$840.00} monthly payment that I already pay Beyond Finance. \nI truly thought that Beyond Finance was an exceptional company when I first joined over a year ago. However, after all of my findings of mishandling/misinformation given by nearly all of your agents, this has been a horrible experience. I probably have had XXXX agents out of at least XXXX agents that I have spoken to within Beyond Finance that have given me accurate information. \nI have continued to stay with Beyond Finance because my sister had success with your company, but that is not the case with me, nor was it the case with the woman that I met in court who also had her debt enrolled with Beyond Finance. She told me that she found out that Beyond Finance collected her payments but was not paying her creditors, and now she was in court to try and resolve the debt on her own, if not, she was also going to have to file for bankruptcy. So I am beyond concerned about what is going to happen with me being enrolled into your debt resolution program. If Beyond Finance does not do better in servicing my account and resolving this matter concerning my XXXX  XXXX XXXX XXXX, I will have to file for bankruptcy, and Beyond Finance, a supposed debt resolution company, will have played a huge part in that happening. \nTo resolve this, I would like the fee charged for negotiating the XXXX  XXXX XXXX ( XXXX ) account to be waived because the extent of the damage to me is not only costing me more money but has caused me more stress and time just not to have anyone truly care about my financial duress. What Beyond Finance has done is unacceptable and needs to be rectified immediately.","date_sent_to_company":"2024-11-04T21:59:08.000Z","issue":"Problem with customer service","sub_product":"Debt settlement","zip_code":"63033","tags":null,"has_narrative":true,"complaint_id":"10682179","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Consumer Financial Services Solutions, Inc.","date_received":"2024-11-04T21:47:24.000Z","state":"MO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["He asked that I allow Beyond Finance to <em>resolve</em> this matter and not reach out to the <em>XXXX</em>  or Consumer Financial Protection Bureau. Since that call, no one has contacted me. I called <em>today</em>, <em>XX/XX</em>/24, and was advised that the <em>last</em> escalation is still open, but she would open up a new one in hopes that someone will reach out to me quickly. \nMy primary issue is that the <em>XXXX</em> prior resolution offers presented to me on my <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> account were explained incorrectly by many agents."],"issue":["<em>Problem</em> with customer service"]},"sort":[10.611354,"10682179"]},{"_index":"complaint-public-v1","_id":"5986749","_score":10.283861,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2022 @ XXXX, I received a voicemail message from an unknown number, the person identified herself as XXXX XXXX and stated that a claim had been filed against me. The return phone number provided was XXXX and the message included a claim number for reference. The voicemail does not include the debt collector disclosure notice so I initially disregarded it as a scam, but then they called my son and left him a similar message intended for me, so I called the number. The first person who answered ( XXXX ) hung up on me when I started asking questions, so I called back and the same person answered, using a different name ( XXXX ), both sounded identical to the person who left the voicemail. They spoke very fast from the time they answered until the end of the call. They said they are a litigation firm hired to serve an order of garnishment for a defaulted payday loan. I don't have this type of account, but even if I did, they did not follow required debt collection procedure. The call started somewhat normally, although fast talking, they asked for the last four of my SSN and when I hesitated, they said they could tell me my entire SSN and that they just need me to acknowledge it so they could work with me to resolve the matter. I express the reason for my concern was privacy related, but they went on to give my full SSN, address, bank name, and previous employer. When I asked why nothing had been mailed to me, they said that was what the process server was for. When I asked what court it was filed in, they said that it hadn't been filed yet and they were giving me an opportunity to \" de-escalate '' by paying off the debt, or providing bank records proving payment. I asked why they didn't provide the standard debt collector disclosures both during the voicemail and the phone call and they replied that they are just litigators that also handle alimony and child support, but they continued with debt collection practices. I work for a XXXXXXXX XXXX XXXX XXXX, so I knew what they were saying was wrong and illegal. They began the call by naming my previous employer, but I believe they may have been searching my name online because the went on to name my current employer, position, and an LLC that I have registered. They said that a process server was on the way to my employer to give them \" papers '' for a garnishment order, but then they went back to saying that a lawsuit had not been filed and when I questioned how they had an order without a lawsuit, they said that \" you think you know what you're talking about, but you're ignorant ''. They tried intimidating me with threatening and abusive language, calling me a XXXX for not paying my bills and that the process server would tell my employer everything. I did not disclose that my parent company is a XXXX XXXX XXXX XXXX, I just stated that I would wait for the server to deliver the paperwork so that I could gather the information that they were not willing to provide. I explained that it was odd that they had no problem giving out my SSN, but that they wouldn't tell me the amount of the debt or provide basic details about their firm. They stated that they were registered in Michigan, but I did not find them on the XXXX entity search. The only information I could find online were several XXXX complaints describing a nearly identical interaction as my own. They ended the call by yelling at me to pay my bills. That evening, my sister-in-law called me to share a voicemail that she received from XXXX XXXX, it sounded like the exact same recording that I received earlier in the day. I explained that it was not legitimate and advised her to ignore the calls and to block the number if she is able to. \nOn XX/XX/2022 at XXXX, I received a call at work from XXXX, the woman identified herself as XXXX XXXX and stated that she was outside of my office building to file papers unless I called their office to get my order reversed. She would not explain what order she was talking about and when I again tried to find out more information about her company, before hanging up on me, she yelled into the phone that she was coming inside and I better have 2 forms of Identification and that I should inform my supervisor that I am leaving early today. I tried calling XXXX back, but there was no answer so I called the XXXX number given yesterday and spoke to a person who said their name was XXXX. Again, I asked for the name and business address of the company but she would only tell me \" XXXX '' and said that they don't give out their address, when I pushed for more information, she hung up on me. I immediately called back and spoke to XXXX, I asked for their business name and address, she said \" XXXX '', I explained that this wasn't enough information and she said they don't have a website, I said I was searching on the State of Michigan business registry, but she talked over me and went back to asking if I was planning on paying my bill today to avoid charges. She made several threatening statements during the call, but I just kept asking questions about their firm which she refused to answer. I said that I wanted the information so that I could file a police report, but she told me I can't do that because they have legal garnishment papers to serve me, but when I again asked which court they were filed in, she said that information is sealed. I told XXXX that XXXX XXXX said that she was outside my office to serve my employer with these papers and that I wanted her to proceed with serving them because I work for a law firm and they will know what to do. Before hanging up on me, she told me that I needed 1 form of ID and would need my supervisor to witness them charging me. \nI have lived at the same address for more than a decade and have not received any letters regarding this matter so I am not able to upload any documents with this complaint. I have reported this to the FBI ( ic3.gov ), State Attorney General, and now CFPB.","date_sent_to_company":"2022-10-06T15:03:39.000Z","issue":"False statements or representation","sub_product":"Payday loan debt","zip_code":"48346","tags":null,"has_narrative":true,"complaint_id":"5986749","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CNG FINANCIAL CORPORATION","date_received":"2022-09-15T17:56:01.000Z","state":"MI","company_public_response":null,"sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["They said that a process server was on the way to my employer to give them \" papers '' for a garnishment order, but then they went back to saying that a <em>lawsuit</em> had not <em>been</em> filed and when I questioned how they had an order without a <em>lawsuit</em>, they said that \" you think you know what you're talking about, but you're ignorant ''."]},"sort":[10.283861,"5986749"]},{"_index":"complaint-public-v1","_id":"2705963","_score":10.194573,"_source":{"product":"Mortgage","complaint_what_happened":"I am writing you today to express my frustration in working with XXXX XXXX on a mortgage modification under the Making Home Affordable program instituted by the Obama  Administration. I am at a loss as to what to do now that will encourage them to act in a timely manner to finalize a modification process that began over 5 years ago. It is my hope that in filing a complaint that a resolution regarding my application for a mortgage modification can be expedited, and pressure placed on XXXX XXXX to fulfill its obligation to act in a timely manner not only on my behalf, but on behalf of others that are facing the same obstacles regarding their applications for mortgage modifications. I find it very observed that I have been trying to get a loan modification for over years, and yet, till this date, we have not been able to resolve the issue. It has come to my attention that my loan modification was denied for a loan modification because the documentation was not received on time to review for the sales date of my property which is on XXXX XXXX XXXX. I have been consistently sending you required documentation, required clarification and and needed documents to satisfied the conditions. \nI want to bring to your attention also that this loan is an illegal loan. When the house and loan were purchased, I had no idea I was even the owner of the mortgage and the property. A friend of mine that XXXX XXXX years ago had purchased the property with a \" Power of Attorney '' with out my consent. I did not signed any documentation regarding this loan and it was purchased illegally. The only reason I found out about this debt was because he stopped making payments, and it showed on my credit report this balance that I did not even know I possessed. I had tried to come up with a resolution regarding this debt, but it just keeps getting dragged along with the debt increasing, and you have not been able to come up with a resolution due to the fact that you do not know what to do because you know everything has been illegal. You have sue me under foreclosure, and demand me to pay back for a debt that I did not even signed for in the first place. I believe all the transfer from servicing companies has been illegal as well, because you are suing the person who did not signed for this mortgage. Now, you have a sales date assigned for XXXX XXXX, XXXX, and want me to reinstate the full amount, or will continue to process the auction sales. \nI want to rectify also that you have encountered \" Dual Tracking '' on this process, because you knew we were working on a loan modification, but still took the initiative to continue the process of the foreclosure. To my knowledge, the process should be placed on hold until the review is completed. \nI want to bring up to this case that there are tenants in this property, that should not be responsible if you sell this house. In XXXX, it is illegal to rent a property that is facing foreclosure. We were forced to rent the property because not only are their household expenses, but also, this is the only income that can be present to you guys, as an investment property, in which you had requested to \" rent the property ''. You are forcing us to rent the property illegally to work out a loan modification, when in the long run, you are suspending the loan modification review, and finalize this case in an auction sale, this is illegal, and I feel that you are doing this to wash your hands and make sure you are not responsible for this debt. I want to assure you that you are responsible as much as I am for the debt for the illegal empowerment of a loan, which I did not take out myself in the first place. \nWe fought back and forth with you including the court. You have received everything you needed in regards to the Loan Modification process. Now I 'm not able to complete my modification and get out of trouble with foreclosure due to a misunderstandings and a misinformed process to resolve the loan modification. \nIt is neither my intentions nor my fault that this debt has increased. I been trying to resolve this issue for the last 5 years with no results, basically with the same action, \" I do not qualify because I do not have enough income '' when in reality everything is already clear, and you have records of this. I just find this really obnoxious and idiotic when you have a citizen like myself, asking for help, reaching out to you throughout all this time, just because I want to keep my home, my investment. In news reports I hear that XXXX XXXX claims to be overwhelmed with applications for modifications. As a result, your bank is top 3 worst servicer processing a modification. When times were good and banks were encouraging everyone to take out 1st, 2nd and even 3rd mortgages they did n't seem to have any problem keeping up with the high demand. Full documentation Mortgages could be initiated and closed inside of 2 weeks. Now, when someone asks for help, it takes years with no immediate results. I understand that across the country there are several lawsuits being filed against XXXX XXXX, some seeking class action status. I think it would be worth your time to look into doing the same on behalf of all Home Owners that are facing the same uphill battle with you XXXX XXXX as I am. Please take in consideration that I really want to keep my property. Please help me the best you can, I know I qualify for a better Loan Modification, and it would be under our best interest to qualify this loan.","date_sent_to_company":"2017-10-18T16:15:36.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"11203","tags":null,"has_narrative":true,"complaint_id":"2705963","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2017-10-18T15:37:09.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["I find it very observed that I have <em>been</em> trying to get a loan modification for over years, and yet, till this date, we have not <em>been</em> able to <em>resolve</em> the issue. It has come to my attention that my loan modification was denied for a loan modification because the documentation was not received on time to review for the sales date of my property which is on <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>."]},"sort":[10.194573,"2705963"]},{"_index":"complaint-public-v1","_id":"3202859","_score":10.0367985,"_source":{"product":"Mortgage","complaint_what_happened":"I developed XXXX XXXX and fell behind on my mortgage. I had been a perfect paying customer for the 12 years leading up to that point. Flagstar is my mortgage company. They would never tell me when I would go into foreclosure. All they would say was that there wasnt a sell by date yet. I now know that missing payments and having a sell by date are miles apart. When I called them to make my missed payments, they would not accept one payment when I was two months behind. They would not accept two payments when I was three behind. Finally I had the three missed payments along with the late fees etc., and they would not accept them due to the fact that I was 4 days in to the 4th month. The first fell on Saturday. When I tried calling on Monday the 3rd, they had closed for the day. I wasnt aware of the hours and there was a time change. I called on the XX/XX/XXXX and she told me she would not accept my three payments and I was going into foreclosure. It turns out that this happens in the 4th month. This was told to me quickly, even though I had been asking them this question on a weekly basis for the 3 months prior to this and nobody seemed to be able to give me a straight answer. This is part of the many tricks they use to put you into foreclosure. Flagstar has so many under handed tricks to draw out this process that I would be typing for 2 weeks to list them all. I have proof for all of them though and am filing a complaint with both the attorney generals in New Mexico and Michigan, the state senators and congressman of both New Mexico and Michigan, and the Federal Trade Commission if I cant get any resolve to this problem. In a previous complaint Flagstar stated that they told me three payments were due and that I didnt have the three payments to give  them. They say that I made a partial payment and it was returned. Thats a lie. The only payment that was returned to me was in the second month. When I was two months behind, I had called to make one payment. The woman said her computer wouldnt accept just one payment and that I should mail it in. I did and it was returned. The fact that Flagstar is saying that I was told I needed to make 3 payments tells me that making three payments that day would have been acceptable. I want Flagstar to go back and listen to the recording and read the notes from that day. I also would like to see what payments they are talking about that they say were returned and what date that was on. Everything they said in my last complaint was a lie. When I responded, nothing happened. They never responded and the case was closed. I also need this information for my other complaints I am filing should I not get a satisfactory response from them. I can compare it to what I have and prove they are lying. I never should have gone into foreclosure. I want my mortgage to be back where it was when this happened. Ive spent {$6000.00} in attorney fees which I want reimbursed. I want this removed from my credit report. I will then refinance my mortgage with another company and never deal with Flagstar again. I also have proof of illegal and unethical dealings from their attorneys, XXXX XXXX. I have a long list of people they are foreclosing on in the XXXX Area and am in the process of gathering more addresses outside the XXXX area. I will be sending each address a letter asking them if they think they have been treated fairly. I plan on filing a class action lawsuit against XXXX XXXX with this information and also possibly filing one against Flagstar if I dont get resolve from this complaint Im filing with you today. I am prepared to start mailing out letters immediately. Flagstar and their lawyers have to answer for their shady underhanded practices and as Ive said before, I have plenty of proof that would certainly warrant investigation. Im going by Flagstars own words when they responded to my last complaint that I should have never gone into foreclosure and I can prove they are lying. The date of this recording of me trying to make my 3 payments and them not accepting them was on XX/XX/2014. I want a copy of that recording and a copy of the notes that were taken that day along with a copy of the returned payment they claim I made from that day that didnt satisfy the debt. Also, when I qualified for the home modification, I wanted a copy of the outrageous charges I have from their lawyer. They dont at all match the charges I have from them on the back of my mortgage statements. They refuse to give them to me. Its not right that they can charge me some blown up fees and not give me an itemized accounting for them. Since I refuse to sign the final paperwork without this information, they have resended my home modification and want me to start the application process over. It took 4 years for them to accept my first application even though my lawyer sent in all of the required paperwork several times. I have proof of that and can prove that they only did this as a stall tactic. The CFPB also warned them not to foreclose on me but they have ignored this. They are saying that I didnt return the paperwork back to them in time. They left out the part about them giving me the runaround when Ive asked many times for a breakdown of their lawyers charges. They tell me to call the lawyers who tell me to call someone named XXXX who tells me to call Flagstar who tells me they will get it out to me but never did and then tells me to call the lawyers after 3 weeks of me waiting to receive the paperwork they said they would send. Flagstar needs to be investigated and I would be happy to turn in my 37 pounds of paperwork to get it started.","date_sent_to_company":"2019-04-05T19:27:05.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"87110","tags":null,"has_narrative":true,"complaint_id":"3202859","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Flagstar Bank, N.A.","date_received":"2019-04-05T18:20:00.000Z","state":"NM","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I plan on filing a class action <em>lawsuit</em> against <em>XXXX</em> <em>XXXX</em> with this information and also possibly filing one against Flagstar if I dont get <em>resolve</em> from this complaint Im filing with you <em>today</em>. I am prepared to start mailing out letters immediately. Flagstar and their lawyers have to answer for their shady underhanded practices and as Ive said before, I have plenty of proof that would certainly warrant investigation."]},"sort":[10.0367985,"3202859"]},{"_index":"complaint-public-v1","_id":"8541028","_score":8.27436,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sincerely hoped I would never have to write this. From buying my first XXXX XXXX years ago to buying my XXXX TX in the last six months, I have always had incredible experiences with both XXXX and XXXX (owned by XXXX). The vehicles have been fantasticsome of the best Ive ever owned. But, as weird as it might sound, Ive purchased my last XXXX or XXXX. \n\nAt this point, I can genuinely say a car company has never completely terrorized my family and me as much as XXXX XXXX XXXX has. What XXXX has done to me has ruined my family and my mental, emotional, and physical health. Ive been so distressed that Ive had XXXX XXXX XXXX XXXX XXXX XXXX XXXX (XXXX XXXX XXXX XXXX) three times, felt utterly hopeless, and extremely XXXX. I cant even describe how awful it has been. The worst part is seeing what its doing to my family. \n\nSince this all started, my wife, who is still nursing our newborn son and caring for our XXXX and XXXX, has been sick three times, felt extreme stress, terrified for our financial future, and overwhelmed by what has happenet and. \n\nXXXX and XXXX (to be clear again: XXXX is a XXXX XXXX) have incorrectly documented my phone number, billing address, and information. Ive been lied to, Ive been deceived, Ive been treated like trash, Ive been pressured, my credit has been dishonestly ruined, and my wife has felt harassed by their creepy salesperson XXXX. \n\nWhen I went to purchase my XXXX TX, my wife and kids were at the dealership with me. XXXX, my wife, my kids, and I started at one of the front tables talking about the TX vs the XXXX. Quickly, we all moved to the back area which had a cafeteria and a kids play area. Our children were in the play around immediately behind us and my wife and I talked with the XXXX. Out of nowhere, XXXX started getting awkwardly close to my wife. So, I stepped closer to create space but he was still awkwardly close. When the manager of the dealership came over, he said, hi! Im guessin youre the husband and youre the wife. XXXX uncomfortably and leacherously looked at the manager then to my wife and said, wellummyeahhes hes the husband. Im not XXXX trailed off still looking at my wife and standing close to her. It was weird! My wife immediately looked at me in disbelief. The manager even shot an uncomfortable glance to XXXX  then to us. Then we all looked at XXXX  like, what the XXXX  is wrong with you dude? My wife and I literally got up and literally stood away from the table. Immediately, XXXX  raised his voice up and said, So anyway! The XXXX! We tried to talk the manager but he said, yeah so the thing about XXXX is and completely changed the subject to talk about the vehicle. The situation was extremely uncomfortable and clearly crossing boundaries. So, thats the initial experience. \n\nMy wife and I told the manager and XXXX that we needed to discuss it privately. \nSo, we discussed how bizarre it was with XXXX and what we should do next. She said, well, we need this new vehicle because the baby will be here in just a couple weeks and we dont have space in the other car. Then she mentioned the initial person that she spoke to was XXXX but XXXX was out of the office today. So, we put the XXXX  deposit down and resolved that we would talk with XXXX from this point forward. \n\nSince the XXXX hadnt been delivered yet, it would be a couple weeks before we could pick up the XXXX. So, we left the dealership. \n\nWhen we came back in to officially purchase the XXXX, it was XXXX who greeted us. He seemed friendly and unlike XXXX. The problem was, as we were going through the purchasing process, he got the primary phone number and the address wrong on three different occasions occasions. I specifically told him that XXXX XXXX XXXX was the BILLING ADDRESS! Its literally on my drivers license which he took to input the information! I also told him that XXXX was the primary phone number for this. We went over this and over this. We double, tripple and quadruple checked to make sure he had it right. And, I swear to god that I thought he did. \n\nAt the end of the transaction, I specifically asked him when I would get a bill in the mail. He told me Id get a bill in 60 days. I verified that was accurate with him because it seemed like a long time. He assured me that Id receive the bill in 60 days in the mail. \n\nTo do my due diligence, I tried to login to my XXXX XXXX  account as it approached 60 days. (YES, I entered the correct Vin number). Nothing was showing up so I figured I just needed to wait a few days more for the online portal. Meanwhile Im checking the mail daily because I want to make sure this bill is paid. \n\nWhy? Because Ive worked extremely hard to get my credit score to a XXXX. I saw firsthand with my parents the cost of bad credit. So, Im hyper-aware of paying things on time. \n\nAfter a few more days, I tried to log back into my XXXX XXXX account and nothing was showing up and nothing was in the mail. Since I was in the area, I stopped in to talk with XXXX because Ive never had this happen before. In every car purchase that Ive done, Ive gotten my bill, paid it, and set up recurring payments. \n\nWhen I talked to XXXX, he told me that things are probably just slower than usual with XXXX. He said to just wait for the bill. I said, are you sure? He confirmed and he even asked the manager who confirmed. So, I thought I was just being paranoid. \n\nSo, I waited for this bill and nothing came. The way I found out about this bill AT ALL was because I got a notification from XXXX XXXX that my credit score had dropped by XXXX points. I had received NO calls, NO emails, NOTHING in the mail, and NOTHING in the XXXX XXXX online portal. I literally found out about this bill by seeing my credit score dropped by XXXX points. \n\nI was absolutely devastated. When I told my wife about it, she was completely stunned. I had heart pains and palpitations. I felt like I couldnt breath because my asthma flared up. I was panicked. It was awful. \n\nThe stress was so severe that I got extremely sick. I was sick to the point that I literally couldnt get out of bed. I had a migraine and got the flu. My wife got sick, my kids got sick, and our newborn baby got sick. Our newborn was so sick that we had to take him into the emergency room TWICE! We were constantly in and out of the pediatrician. It ravaged our financial well being, our mental health, our childrens mental health and bodies. \n\nThis is the most messed up part. \n\nI reached out to the XXXX at the XXXX XXXX dealership and told him what had happened. He immediately reassured me that hed get to work and find a solution right away. He told me hed reach out XXXX XXXX  to get this resolved. Later in the day, he told me that he spoke to XXXX  and hed be in touch. \n\nXXXX didnt reach out so I contacted XXXX again. XXXX told me that XXXX would be reaching out which gave me the smallest amount of hope. XXXX finally contacted me and said, the financial rep would be in the office the next day and he would speak with him. When I reached back out to XXXX, the front staff told me that he was with a client and would call me back immediately afterwards. XXXX never called me back. \n\nSince he didnt call back, I reached out again. He was still busy. He magically was too busy to even send an email to me and update me. By this point, my wife and I were distraught and trying to find a solution for this. XXXX and XXXX led us to believe they would be handling this issue but it was nothing more than lies, deception, and avoidance. \n\nI was so incredibly stressed by this hell that I got horribly sick again. Once again, my family got sick. On top of the nonstop stress and financial destruction, our family including our newborn was sick again. And, we were BACK in the ER! I can still hear my sons faint cry because he felt so sick. It was terrifying. Its evil what these people have inflicted on our family. It gets even worse too.\n\nWhen I tried to talk with XXXX XXXXl, I spoke with a representative. I explained the situation to them. This person lied directly to my face and told me they couldnt put in a dispute of any kind. They told me that I have to reach out myself. I told them that my priority was to get this resolved because thats fair! Its fair for XXXX XXXX to remove fraudulent reporting on my account and not just collect their payment while theyve destroyed my financial future for years to come. \n\nAnd sure enough, I was exactly right. When I talked to the second representative, they absolutely could file the dispute and confirmed they did. I paid my full bill on that call in hopes this was finally going to be resolved. As one last kick in the teeth, just days later, my phone was blowing up with more alerts from XXXX XXXX. Shocker XXXX XXXXeported more things based on fraudulent information that has now dropped my credit by XXXX points! XXXX points! \n\nThe pain and suffering that this company has brought on my family and I, with fraudulent information and unjust cause, deserves a lawsuit. But I dont even want that. I just want this corrupt organization to find their integrity, remove all of these false items off my credit, and do whats right. They got it wrong. Admit it. Fix it. \n\nLook, nobody understands, unless theyve experienced it, what its like to see their parents have bad credit for years and see how that destroys their buying power and drains them financially. Its an absolute curse. Then you add everything that my family has suffered at the hands of people who have lied, deceived, harassed, and inflicted mental and physical trauma, its disgusting. With the current financial climate too, its complete destruction to someone. I have worked so damn hard to make sure that my credit is good, to make sure I can provide for my wife and children, to make sure they can have amazing things. I love my family and XXXX XXXX XXXX has ruined me. Its time to make this right immediately.","date_sent_to_company":"2024-03-13T15:39:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"685XX","tags":null,"has_narrative":true,"complaint_id":"8541028","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-13T15:39:34.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Then she mentioned the initial person that she spoke to was <em>XXXX</em> but <em>XXXX</em> was out of the office <em>today</em>. So, we put the <em>XXXX</em>  deposit down and <em>resolved</em> that we would talk with <em>XXXX</em> from this point forward. \n\nSince the <em>XXXX</em> hadnt <em>been</em> delivered yet, it would be a couple weeks before we could pick up the <em>XXXX</em>. So, we left the dealership. \n\nWhen we came back in to officially purchase the <em>XXXX</em>, it was <em>XXXX</em> who greeted us. He seemed friendly and unlike <em>XXXX</em>."]},"sort":[8.27436,"8541028"]},{"_index":"complaint-public-v1","_id":"17942917","_score":8.272895,"_source":{"product":"Credit card","complaint_what_happened":"I am reporting on a persistent and unresolved technical issue I have encountered with Chase Bank. This issue directly impacts my ability to redeem credit card rewards points to an external third-party checking account, which I was able to successfully transfer reward funds to for over a year until a recent mobile app update which mysteriously removed my linked third-party account.\n\nBefore this update, I could routinely transfer my Chase credit card rewards points to my external checking account without any issues. However, following an update in the Chase mobile app, my linked external account mysteriously disappeared from the list of redemption options. I did not remove it, and it was removed without warning. At first, I suspected this was an unintentional technical glitch, but after working with Chase support, this change feels very intentional to make it more difficult to redeem reward points to an external account.\n\nWhen I attempted to re-link my checking account, the app initiated a verification process by debiting {$0.00} from by external bank account, broken up into two smaller amounts. I received an email stating I needed to verify these two amounts, however, the hyperlink in the email lead to a broken, blank page. When I accessed my account through the mobile application, there was no option or interface available to complete the necessary verification step. Essential, Chase left me with no way to finalize the re-linking process and no way to redeem my rewards to a preferred account. This felt like a push to move my checking account to Chase, or as if Chase was forcing me to keep my reward points internal with them instead of transferring them out of Chase.\n\nI reached out via phone to Chase support on Friday, XX/XX/XXXX. During that call I learned that Chase does not appear to have a process for documenting customer complaints, and their phone support representatives dont seem to have the ability to log technical issues unless the issue is actively occurring. This is problematic when representatives manually fix issues with workarounds before higher tier technicians have a chance to review/resolve issues for all impacted customers.\n\nUltimately, a representative manually transferred my existing points balance to my external account as a one-time courtesy. However, the next representative informed me that because I no longer had available points in my account to redeem, they could no longer open a tech issue or resolve the underlying problem until the issue occurs again. They advised I would need to call back whenever I have points to redeem in the future to troubleshoot the issue again. I do not believe this was the fault of the last rep I spoke with, as he specifically said the system would not allow him to enter a ticket, pointing to a larger issue with Chases internal systems and business practices.\n\nI also learned Chase forces customers to complete end-user testing in their live app environment to resolve technical issues. I spent approximately XXXX hour and XXXX minutes on the phone speaking to three different human representatives after an initial interaction with an AI representative. During these calls, I was repeatedly transferred and was provided with inconsistent information. One representative claimed a tech issue would be opened on my behalf, but another later confirmed that no such ticket was ever created. I was asked to complete several troubleshooting steps, further wasting my time. Chase isnt paying me to troubleshoot their issues, so I feel they owe me compensation for my time. \n\nI logged into Chase.com today, Tuesday XX/XX/XXXX, and I spent over an hour trying to find the section where I could finally verify my third-party checking account. I had to do it from my work computer, as the website on my phone automatically routes me back into the mobile application, where there is no functionality to verify a third-party checking account. It is unreasonable to expect customers to have a separate computer they can access to verify these amounts to link a third-party checking account. This functionality needs to be available on mobile devices, but Chase refuses to do anything, and it has been almost a month since I first complained.\n\nCurrently, the only method that Chase offers for submitting technical issues is through a singular phone number that routes to multiple departments. This makes it difficult for customers to report technical issues that double as escalated customer service complaints, as it results in customers being passed around through multiple departments with cold transfers, forcing customers to repeat their issues multiple times. \nThis situation is highly inconvenient and unreasonable. It effectively forces me to rely on customer service each time I need to use by rewards in the capacity I previously could, rather than fixing the apps functionality. I believe this is an unfair and deceptive practice, as it pressures me to use my rewards in a way that benefits Chase rather than allowing me the flexibility I had before.\n\nI have also found that other customers have reported similar issues, and that there is an ongoing class action lawsuit related to Chases handling of reward point redemptions and account linking. This indicates a broader pattern of technical and procedural failures that Chase has not adequately addressed.\n\nI am requesting that the CFPB investigate this matter and ensure that Chase restores a functional and reliable method for linking external accounts and redeeming rewards as intended.\n\nAdditionally, I would like Chase to provide an online or in-app option for submitting technical issues to alleviate the extra hurdles of working with lower-tier customer representatives. An online or in-app submission form would allow customers to report issues more efficiently and avoid the need to navigate phone support for what should be a straightforward technical report. \n\nIn addition to online support, the customer support phone line should offer options to speak with human representatives. No part of the current phone support menu allows users to choose to speak with a representative, but a human representative can be reached by dialing XXXX. This is a common phone support trick only some people know about, but its not straightforward when its not an available option in the phone support menu for customers to select. Instead, they are sent through endless support loops.","date_sent_to_company":"2025-12-02T15:56:36.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"502XX","tags":null,"has_narrative":true,"complaint_id":"17942917","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-12-02T15:33:57.000Z","state":"IA","company_public_response":null,"sub_issue":"Problem with rewards from credit card"},"highlight":{"complaint_what_happened":["However, the next representative informed me that because I no longer had available points in my account to redeem, they could no longer open a tech issue or <em>resolve</em> the underlying <em>problem</em> until the issue occurs again. They advised I would need to call back whenever I have points to redeem in the future to troubleshoot the issue again."],"sub_issue":["<em>Problem</em> with rewards from credit card"]},"sort":[8.272895,"17942917"]},{"_index":"complaint-public-v1","_id":"8541176","_score":8.2099,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sincerely hoped I would never have to write this. From buying my first Toyota XXXX  years ago to buying my Lexus XXXX  in the last six months, I have always had incredible experiences with both Toyota and Lexus (owned by Toyota). The vehicles have been fantasticsome of the best Ive ever owned. But, as weird as it might sound, Ive purchased my last Toyota or Lexus. \n\nAt this point, I can genuinely say a car company has never completely terrorized my family and me as much as Toyota Motor Company has. What Toyota has done to me has ruined my family and my mental, emotional, and physical health. Ive been so distressed that Ive had intense XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I cant even describe how awful it has been. The worst part is seeing what its doing to my family. \n\nSince this all started, my wife, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX terrified for our financial future, and overwhelmed by what has happenet and. \n\nToyota and Lexus (to be clear again: Lexus is a Toyota company) have incorrectly documented my phone number, billing address, and information. Ive been lied to, Ive been deceived, Ive been treated like trash, Ive been pressured, my credit has been dishonestly ruined, and my wife has felt harassed by their creepy salesperson XXXX. \n\nWhen I went to purchase my Lexus XXXX, my wife and kids were at the dealership with me. XXXX, my wife, my kids, and I started at one of the front tables talking about the XXXX  vs the XXXX. Quickly, we all moved to the back area which had a cafeteria and a kids play area. Our children were in the play around immediately behind us and my wife and I talked with the XXXX. Out of nowhere, XXXX  started getting awkwardly close to my wife. So, I stepped closer to create space but he was still awkwardly close. When the manager of the dealership came over, he said, hi! Im guessin youre the husband and youre the wife. XXXX  uncomfortably and leacherously looked at the manager then to my wife and said, wellummyeahhes hes the husband. Im not XXXX  trailed off still looking at my wife and standing close to her. It was weird! My wife immediately looked at me in disbelief. The manager even shot an uncomfortable glance to XXXX  then to us. Then we all looked at XXXX  like, what the XXXX  is wrong with you dude? My wife and I literally got up and literally stood away from the table. Immediately, XXXX  raised his voice up and said, So anyway! The XXXX! We tried to talk the manager but he said, yeah so the thing about XXXX  is and completely changed the subject to talk about the vehicle. The situation was extremely uncomfortable and clearly crossing boundaries. So, thats the initial experience. \n\nMy wife and I told the manager and XXXX  that we needed to discuss it privately. \nSo, we discussed how bizarre it was with XXXX  and what we should do next. She said, well, we need this new vehicle because the XXXX will be here in just a couple weeks and we dont have space in the other car. Then she mentioned the initial person that she spoke to was XXXX  but XXXX was out of the office today. So, we put the XXXX deposit down and resolved that we would talk with XXXX  from this point forward. \n\nSince the XXXX  hadnt been delivered yet, it would be a couple weeks before we could pick up the XXXX. So, we left the dealership. \n\nWhen we came back in to officially purchase the XXXX, it was XXXX  who greeted us. He seemed friendly and unlike XXXX. The problem was, as we were going through the purchasing process, he got the primary phone number and the address wrong on three different occasions occasions. I specifically told him that XXXX XXXX XXXX was the BILLING ADDRESS! Its literally on my drivers license which he took to input the information! I also told him that XXXX was the primary phone number for this. We went over this and over this. We double, tripple and quadruple checked to make sure he had it right. And, I swear to god that I thought he did. \n\nAt the end of the transaction, I specifically asked him when I would get a bill in the mail. He told me Id get a bill in 60 days. I verified that was accurate with him because it seemed like a long time. He assured me that Id receive the bill in 60 days in the mail. \n\nTo do my due diligence, I tried to login to my Toyota Financial account as it approached 60 days. (YES, I entered the correct Vin number). Nothing was showing up so I figured I just needed to wait a few days more for the online portal. Meanwhile Im checking the mail daily because I want to make sure this bill is paid. \n\nWhy? Because Ive worked extremely hard to get my credit score to a XXXX. I saw firsthand with my parents the cost of bad credit. So, Im hyper-aware of paying things on time. \n\nAfter a few more days, I tried to log back into my Toyota Financial account and nothing was showing up and nothing was in the mail. Since I was in the area, I stopped in to talk with XXXX  because Ive never had this happen before. In every car purchase that Ive done, Ive gotten my bill, paid it, and set up recurring payments. \n\nWhen I talked to XXXX, he told me that things are probably just slower than usual with Toyota. He said to just wait for the bill. I said, are you sure? He confirmed and he even asked the manager who confirmed. So, I thought I was just being paranoid. \n\nSo, I waited for this bill and nothing came. The way I found out about this bill AT ALL was because I got a notification from XXXX XXXX that my credit score had dropped by XXXX  points. I had received NO calls, NO emails, NOTHING in the mail, and NOTHING in the Toyota Financial online portal. I literally found out about this bill by seeing my credit score dropped by XXXX  points. \n\nI was absolutely devastated. When I told my wife about it, she was completely stunned. I had heart pains and palpitations. I felt like I couldnt breath because my asthma flared up. I was panicked. It was awful. \n\nThe stress was so severe that I got extremely sick. I was sick to the point that I literally couldnt get out of bed. I had a migraine and got the flu. My wife got sick, my kids got sick, and our XXXX XXXX XXXX XXXX XXXX XXXX  was so sick that we had to take him into the emergency room TWICE! We were constantly in and out of the pediatrician. It ravaged our financial well being, our mental health, our childrens mental health and bodies. \n\nThis is the most messed up part. \n\nI reached out to the XXXX  at the Toyota Lexus dealership and told him what had happened. He immediately reassured me that hed get to work and find a solution right away. He told me hed reach out XXXX XXXX  to get this resolved. Later in the day, he told me that he spoke to XXXX  and hed be in touch. \n\nXXXX  didnt reach out so I contacted XXXX  again. XXXX  told me that XXXX  would be reaching out which gave me the smallest amount of hope. XXXX  finally contacted me and said, the financial rep would be in the office the next day and he would speak with him. When I reached back out to XXXX, the front staff told me that he was with a client and would call me back immediately afterwards. XXXX  never called me back. \n\nSince he didnt call back, I reached out again. He was still busy. He magically was too busy to even send an email to me and update me. By this point, my wife and I were distraught and trying to find a solution for this. XXXX  and XXXX  led us to believe they would be handling this issue but it was nothing more than lies, deception, and avoidance. \n\nI was so incredibly stressed by this XXXX that I got horribly sick again. Once again, my family got sick. On top of the nonstop stress and financial destruction, our family including our newborn was sick again. And, we were BACK in the ER! I can still hear my sons faint cry because he felt so sick. It was terrifying. Its evil what these people have inflicted on our family. It gets even worse too.\n\nWhen I tried to talk with Toyota Financial, I spoke with a representative. I explained the situation to them. This person lied directly to my face and told me they couldnt put in a dispute of any kind. They told me that I have to reach out myself. I told them that my priority was to get this resolved because thats fair! Its fair for Toyota Lexus to remove fraudulent reporting on my account and not just collect their payment while theyve destroyed my financial future for years to come. \n\nAnd sure enough, I was exactly right. When I talked to the second representative, they absolutely could file the dispute and confirmed they did. I paid my full bill on that call in hopes this was finally going to be resolved. As one last kick in the teeth, just days later, my phone was blowing up with more alerts from XXXX XXXX Shocker Toyota reported more things based on fraudulent information that has now dropped my credit by XXXX  points! XXXX  points! \n\nThe pain and suffering that this company has brought on my family and I, with fraudulent information and unjust cause, deserves a lawsuit. But I dont even want that. I just want this corrupt organization to find their integrity, remove all of these false items off my credit, and do whats right. They got it wrong. Admit it. Fix it. \n\nLook, nobody understands, unless theyve experienced it, what its like to see their parents have bad credit for years and see how that destroys their buying power and drains them financially. Its an absolute curse. Then you add everything that my family has suffered at the hands of people who have lied, deceived, harassed, and inflicted mental and physical trauma, its disgusting. With the current financial climate too, its complete destruction to someone. I have worked so damn hard to make sure that my credit is good, to make sure I can provide for my wife and children, to make sure they can have amazing things. I love my family and Lexus Toyota Financial has ruined me. Its time to make this right immediately.","date_sent_to_company":"2024-03-13T15:39:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"685XX","tags":null,"has_narrative":true,"complaint_id":"8541176","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2024-03-13T15:15:12.000Z","state":"NE","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["She said, well, we need this new vehicle because the <em>XXXX</em> will be here in just a couple weeks and we dont have space in the other car. Then she mentioned the initial person that she spoke to was <em>XXXX</em>  but <em>XXXX</em> was out of the office <em>today</em>. So, we put the <em>XXXX</em> deposit down and <em>resolved</em> that we would talk with <em>XXXX</em>  from this point forward. \n\nSince the <em>XXXX</em>  hadnt <em>been</em> delivered yet, it would be a couple weeks before we could pick up the <em>XXXX</em>. So, we left the dealership."]},"sort":[8.2099,"8541176"]},{"_index":"complaint-public-v1","_id":"3859382","_score":8.170794,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I have received the following notice on XX/XX/XXXXXXXX  ( did not see email since it was in my spam folder, the email address from the sender is bizarre ), When i called today after receiving a disturbing voicemail saying that I owe money to Castle Payday Loan i was told that I owed money and that they were going to take to court. Castle Payday Loan which is now Big Picture payday loan and they have no record of me having any type of loan with them when i called them  XX/XX/XXXX. I asked them to send me a copy of the record they have against me, and they refuse to. They said that I would only receive a receipt once the debt has been paid. I even called castle/big picture payday loan on three-way with the collection agency and still no record. Also, prior to researching I did at one point in our conversation comply with paying and even gave them my payment information but as i said, i realized that it was quite fishy, so i called  them back and cancelled that payment arrangement, then they said that they would hold that against me. But like i told them, i need to see a some type of proof that i owe something that i cant just pay something that i have no recollection of. But like said, I did end up canceling the arrangement because like i told the man, I have no record of having a loan with castle nor do they. The number the collection agency are harassing me from is XXXX case # XXXX. They said i took the loan out in XXXX. They have been calling my home, calling my mother, saying they are going to contact my place of employment.. that they will come looking for me. That they will take me to court. It is very concerning. I have no problem in resolving something, but again no one other than the agency that is calling me has a record of this debt. I can not remember the full amount that they said I owe. They told me they would settle for {$680.00} and they would be able to settle it in 5 payments. The first one of {$180.00}, and the last 4 of {$120.00}. When i asked one of the guys as to what the name of the agency they are calling me from and said assurance, but nothing comes up in XXXX search. \n\nThe last conversation had with the agency calling me with threats is that with out any type of invoice, i can not do any business. They then said they will take me to court and that my automated voice agreeing to the original payment arrangement would be used against me. I told him, with out anytype of formal notice I would not pay them. Again he told me the only notice he would send me is the receipt once its paid. \n\nThis is very crazy and i need some help. This is the email that was sent to me and was in my spam. \n\nXXXX Notice ID XXXX PIN : XXXX XXXX XXXX XXXX If You Obtained a Big Picture or Castle Payday Loan You Could Get Loan Forgiveness and/or a Cash Payment from a Settlement. \nA federal court ordered this notice. This is not a solicitation from a lawyer. \n\nRead this Notice. It states your rights and provides you with information regarding a proposed nationwide class action settlement ( \" Settlement '' ) in lawsuits brought against a number of companies and persons alleged to be involved with the making of online loans in the name of Big Picture Loans and XXXX  XXXX  XXXX  XXXX XXXX Castle Payday Loans. All of these settling parties, listed below, are known here as the Settling Defendants. \n\n\nThe lawsuit claimed that the Big Picture and Castle Payday loans violated state usury laws and the XXXX Influenced and Corrupt Organizations Act. There was no finding of liability in this case, and the Settling Defendants vigorously denied all allegations in the lawsuits.\n\nAs part of the proposed Settlement, individuals who executed Big  Picture and/or Castle Payday loan agreements from XX/XX/XXXX to XX/XX/XXXX may be eligible to receive certain benefits, as detailed below, including cash refunds.\n\nThis Notice is a summary of information about the Settlement and explains your legal rights and options because you may be a member of the class of borrowers who would be affected if the Settlement is finally approved by the Court. The complete terms of the proposed Settlement are available at the Settlement website,  XXXX.XXXX.XXXX  ( \" Settlement Website '' ). You may also obtain further information about the Settlement at the following telephone number : ( XXXX ) XXXX XXXX. \nYOUR LEGAL RIGHTS AND OPTIONS IN THIS SETTLEMENT DO NOTHING You will remain a member of the Settlement Class. You may receive certain benefits without doing anything, including a reduction in the amount of interest you can be charged on your loan.\n\nHowever, if you do nothing, you will not receive a cash payment. You can still bring any claim you may have against a Defendant, but only on an individual basis.\n\nMAKE A CLAIM FOR A CASH PAYMENT You can make a claim for a cash amount by submitting the attached claim form ( \" Claim Form '' ) by mail or at XXXX.XXXX.XXXX. You will receive a cash  payment if you repaid your loan, and paid more than 2.5 times the original principal amount of the loan in payments over the life of the loan. You can go to XXXX to see whether you would receive a cash payment. \n\n\n\nThe deadline to submit a claim form is XX/XX/XXXX. You must mail or submit your claim online by that date. \n\n\n\n\n\nOBJECT TO THE SETTLEMENT If you want to object to the settlement, you may write to the Courts about why you don't like the settlement or why the Court should not approve it. \n\n\n\nThe deadline to object to the settlement is XX/XX/XXXX. You must file any objection by that date. \n\n1. WHY IS THERE A NOTICE?\n\nThis Notice relates to a proposed nationwide Settlement that will be considered by a United States District Court in XXXX, Virginia ( the \" Court '' ). Before the Settlement becomes effective, it must be finally approved by the Court. The claims of the Settlement Class Members ( as defined below ) are being settled in the Court in the following class action matter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the \" Lawsuit '' ).\n\nThe Settlement also resolves other cases in Virginia, California, Oregon, Georgia, and Massachusetts.\n\nYou have been identified as a Settlement Class Member. The Court authorized this Notice because you have a right to know about a proposed Settlement of the lawsuit and about all your options before the Court decides whether to give \" final approval '' to the Settlement. This Notice explains the lawsuit, the Settlement, and your legal rights.\n\n2. WHAT ARE THESE LAWSUITS ABOUT? \nThe claims involved in the Settlement arise out of loans made in the name of two companies that are owned by a XXXX  XXXX  XXXX  XXXX  : Big Picture Loans and XXXX XXXX XXXX XXXX XXXX  Castle Payday Loans ( \" XXXX  Companies '' ). There were others that are alleged to have invested or assisted in the operations of these businesses. Several of these companies and individuals are also included in the Settlement ( collectively known as the \" Settling Defendants '' ). Each of the Settling Defendants is listed below in Section 7.\n\nThe plaintiffs in these cases claim that the Settling Defendants violated federal and various state laws by : ( a ) making and collecting loans with annual interest rates in excess of the amount allowed by state law, ( b ) lending to consumers when these entities were required to have a license from a state to lend to consumers, and they did not have that license, ( c ) servicing or collection activities, or ( d ) their involvement in and support of other parties ' conduct. \n\n\n\nThe plaintiffs in the lawsuit claim that the Tribal Companies ' loans violated state usury laws that govern the amount of interest lenders can charge and federal laws that prevent the collection of illegal debts.\n\nThe Settling Defendants do not agree that state law is applicable to the loans made by the Tribal Companies. They have vigorously denied all claims and allegations of wrongdoing. The Tribal Companies have maintained at all times that they are arms of the Tribe and share in the Tribe 's sovereign immunity. Notwithstanding the denials of liability and alleged unlawful conduct, the Settling Defendants have decided it is in their best interest to settle the Lawsuit to avoid the burden, expense, risk, and uncertainty of continuing in litigation.\n\nImportant case documents, including the Settlement Agreement, may be accessed at the Settlement Website, XXXX. \n\n3. WHY IS THIS A CLASS ACTION?\n\nIn a class action or proceeding, one or more people, called class representatives, bring an action on behalf of people who have similar claims. All of the people who have claims similar to the class representatives are a class or class members, except for those who exclude themselves from the class. Here, the Plaintiffs have filed a claim on behalf of the Settlement Class. \n\n4. HOW DO I KNOW IF I AM INCLUDED IN THE SETTLEMENT?\n\nYou are affected by the Settlement ( and thus a \" Settlement Class Member '' ) if you obtained a Big Picture or Castle Payday loan ( s )  from XX/XX/XXXX to XX/XX/XXXX ( the \" Settlement Class '' ). \n\n\n\nThe Settling Defendants ' business records have identified you as a member of the Settlement Class.\n\n5. WHAT DOES THE SETTLEMENT PROVIDE AND HOW MUCH WILL MY PAYMENT BE?\n\nThe Settling Defendants have agreed to create a fund in the amount of {$8.00} million ( \" Settlement Fund '' ), and they have also agreed to certain other forms of non-monetary relief for the Settlement Class.  The Settling Defendants have agreed to provide the following benefits and others more fully described in the Settlement Agreement : a ) Consumer Refund. A Settlement Fund will provide payments to some Settlement Class Members who submit claims to the administrator of the Settlement ( \" Settlement Administrator '' ). Only borrowers who repaid the loan and also paid more than 2.5 times the original principal amount of the loan in payments over the life of the loan will receive a refund payment. YOU MUST SUBMIT A VALID CLAIM FORM TO RECEIVE A REFUND PAYMENT. The amount of your check will depend on the amount of interest that you paid on your loan ( s ) and how many total valid claims are made by other Settlement Class Members. The Settlement Administrator will mail the check to the address you provide on the Claim Form, and so it is your obligation to update your address with the Settlement Administrator if you move.\n\nb ) Reduced Interest on Pending Loans. For those Settlement Class Members whose loan ( s ) have not been fully paid off or are not more than 210 days delinquent or past due, the Settling Defendants agree to collect no more than 2.5 times the original principal amount of the loan in payments over the life of the loan. For example, if the original principal amount of the loan was {$500.00}, then the Settling Defendants have agreed to cap collection at {$1200.00} over the life of the loan, including payments credited to either interest or principal reduction. \n\nc ) Loan Forgiveness. For those Settlement Class Members whose loan ( s ) are currently, or become, more than 210 days in default ( \" Charged-Off Loans '' ), the Settling Defendants agree to cease any collection activities and cancel all such loans as a contested liability to the extent not already done. The Settling Defendants will not assign, sell, or transfer any interest in Charged-Off Loans and/or future loan proceeds from Charged-Off Loans.\n\n6. WHAT DO I HAVE TO DO TO RECEIVE MY PAYMENT?\n\nTo receive a refund payment from the Settlement Fund, you must complete the Claim Form linked to this Notice or at XXXX. The Claim Form requires your name, current postal address, date of birth, and the last four digits of the Settlement Class Member 's Social Security number. The Claim Form and the Settlement Website provide complete instructions for  completion of this claims process. You may submit only one Claim Form regardless of the number of loans you had.\n\nYou must mail or submit online your Claim Form no later than XX/XX/XXXX. \n\n\n\nThe Claim Form is also made available for download on the Settlement Website or by request from the Settlement Administrator.\n\nIf you are entitled to a payment, the Settlement Administrator will mail you a check upon receipt of a Valid Claim approximately 395 days after the Court grants final approval of the Settlement and any appeals are resolved. \n\n\n\nThe Settlement Administrator will mail the check to the address you provide on the Claim Form, and so it is your obligation to update your address with the Settlement Administrator if you move. You can contact the Settlement Administrator at the telephone number or address below if your address has changed.\n\nTO SEE IF YOU QUALIFY FOR A CASH REFUND PAYMENT, you can go to XXXX XXXX XXXXXXXX or call ( XXXX ) XXXX. \n\n7. WHAT AM I GIVING UP IN THE SETTLEMENT?\n\nAs a member of the Settlement Class, you are providing a \" Release '' of certain claims against the \" Released Parties '' in the Settlement, who are the Settling Defendants. If you do nothing or otherwise do not receive a cash refund payment, you do not release any of your rights or claims, but you can only bring those on an individual basis. Under the Settlement, you lose your right to bring these claims in a different class action.\n\nIf you do submit a claim and do receive a cash refund payment, you will release all your claims against the Settling Parties and Released Parties. You will not be allowed to bring those claims either as an individual case or as a different class action.\n\nThe Released Parties and Settling Defendants include : the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the \" Tribe '' ) and the current and former members of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and/or any employees of the XXXX or any arms of the XXXX  ; Big Picture Loans , LLC ; XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX, XXXX and XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  ; and each of their current and former directors, officers, principals, trustees, shareholders, partners, contractors, agents, attorneys ( including, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ). \n\n\n\nUnder the Settlement, the Named Plaintiffs and Settlement Class Members who submit Valid Claims will be deemed to have released and waived all past, present, and future claims against the Released Parties relating to and/or arising out of loans made by and/or in the name of Big Picture and/or XXXX XXXX/Castle Payday that are the subject of the Lawsuit. Specifically, Section 12.1 of the Settlement Agreement states : 12.1 Release for Valid Claims. Upon the Effective Date, the Named Plaintiffs, for themselves and as representatives of the Settlement Class, each Settlement Class Member who submits a Valid Claim, and/or their respective spouses, heirs, executors, administrators, representatives, agents, attorneys, partners, successors, predecessors and assigns and all those acting or purporting to act on their behalf acknowledge full satisfaction of, and shall be conclusively deemed to have fully, finally and forever settled, released and discharged the Released Parties of and from the Released Claims. Nothing in this Settlement Agreement, however, shall be deemed a release of the Parties ' respective rights and obligations under this Settlement Agreement. Also, nothing in this Settlement Agreement shall be deemed a release of Plaintiffs ' and Settlement Class Members ' respective Claims against the Non-Settling Defendants. \n\nSettlement Class Members who do not submit a Valid Claim will be deemed to have provided a more limited release of only class, collective, and mass actions against the Released Parties. Specifically, Section 12.4 of the Settlement Agreement states : 12.4 Scope of Release for Settlement Class Members Who Do Not Receive a Payment ( \" Non-Payment Released Claims '' ). All Settlement Class Members who do not receive a payment from the Settlement Fund will waive their rights to bring a class action, collective action, and/or mass action ( but not an individual action ) against any and all of the Released Parties related to not only claims asserted in the Actions, but also claims that could have been asserted in the Actions.\n\nThe Plaintiffs have brought claims against other Non-Settling  Defendants and their companies who they allege were behind the lending operation. Specifically, claims against XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX, XXXX, or any other entities owned, directly or indirectly, by XXXX XXXX, XXXX XXXX, or XXXX XXXX will continue to be litigated by the Plaintiffs. If a class is certified, you may also be part of that class and will receive separate notice of this and any rights or benefits you may have due to those lawsuits.\n\n8. CAN I OPT OUT OF THE SETTLEMENT?\n\nNo. Settlement Class Members are not permitted to exclude themselves or otherwise \" opt out '' of the Settlement because of the nature of the Settlement, which is brought under Fed. R. Civ. P. 23 ( b ) ( 2 ). However, unless you request and receive a cash refund payment, you do not give up your rights ( if any ) to bring an individual claim in your own lawsuit. That individual lawsuit would not be part of this case, and you would need to obtain your own lawyer ( s ) to bring  it. \n\n9. HOW DO I TELL THE COURT THAT I OBJECT TO AND DO NOT LIKE THE SETTLEMENT?\n\nIf you are a Settlement Class Member, then you can object to the Settlement if you think the Settlement is not fair, reasonable, or adequate, and that the Court should not approve the Settlement. You have the right to appear personally and be heard by the judge. The Court will consider your views carefully.\n\nYour objection must be filed with the Court by XX/XX/XXXX. \n\n\n\nTo preserve your objection, you must send a letter stating your views to each of the parties listed below : Class Counsel Representative XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX J XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX Telephone : ( XXXX ) XXXX Email : XXXX Big Picture Defendants ' Counsel Representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, VA XXXX Telephone : ( XXXX ) XXXX Email : XXXX XXXX XXXX Defendants ' Counsel Representative XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Telephone : ( XXXX ) XXXX Email : XXXX Settlement Administrator Big Picture Class Action c/o Settlement Administrator XXXX XXXX XXXX XXXX, FL XXXX Telephone : ( XXXX ) XXXX Email : XXXX You should include the following case name and docket number on the front of the envelope and letter you file with the Court : \" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX'.\n\nAll objections must include the following information : Your name, address, telephone number, and the last four digits of your Social Security number ; A sentence confirming that you are a Settlement Class Member ; Your factual basis and legal grounds for the objection to the Settlement ; and The name, firm name, phone number, email address, and mailing address of counsel representing you, if any.\n\nAny lawyer who intends to appear at the Final Fairness Hearing must\nalso enter a written Notice of Appearance of Counsel with the Clerk of the Court no later than thirty ( 30 ) days before the Final Fairness Hearing and shall include the full style and case number of each previous class action case in which that counsel has represented an objector.\n\n10. WHEN AND WHERE WILL THE COURTS DECIDE WHETHER TO APPROVE THE SETTLEMENT? \nThe Court will hold a hearing to decide whether to approve the Settlement on XX/XX/XXXX at XXXX XXXX. in the courtroom of XXXX XXXX XXXX XXXX of the United States District Court for the XXXX District of XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX Federal Courthouse, XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. At this hearing, the Court will determine whether the Settlement is fair, reasonable, and adequate.\n\nIf there are objections, the Court will consider them at that time. The hearing may be moved to a different date or time without additional notice. Please check XXXX  or call ( XXXX ) XXXX to be kept up-to-date on the date, time, and location of the hearing. \n\n11. DO I HAVE TO COME TO THE HEARING?\n\nNo. But you are welcome to come at your own expense. As long as you mailed your written objection on time, the Court will consider it. You may also retain a separate lawyer to appear on your behalf at your own expense.\n\n12. DO I HAVE A LAWYER IN THE CASE?\n\nYes. The Court has appointed these law firms in these cases as \" Class Counsel '' to represent you and all other members of the  Settlement Class : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. \n\n\n\nThese lawyers will not separately charge you for their work on the case. If you want to be represented by your own lawyer, you may hire one at your own expense.\n\n13. HOW WILL THE LAWYERS BE PAID? \nAs part of the proposed Settlement, Class Counsel are seeking an award of up to 33 % of the Settlement Fund for their attorneys ' fees and costs. The amount awarded by the Court will reduce the distributions to Settlement Class Members.\n\nClass Counsel also will ask the Court to approve a service award of up to {$5000.00} to each of the 43 individual Plaintiffs in this matter, depending upon each Plaintiff 's degree of contribution and service. The Plaintiffs were subject to extensive discovery and made substantial contributions in the prosecution of these lawsuits for the benefit of the Class. The Court will ultimately decide how much Class Counsel and the individual Plaintiffs will be paid.\n\nThe Settlement contains a number of detailed provisions for the allocation of the Settlement Fund, including the distribution of leftover amounts. The details for Settlement Fund distribution are set forth in the settlement documents available at the Settlement Website, XXXX.\n\n14. HOW DO I GET MORE INFORMATION?\n\nThis Notice summarizes the proposed Settlement. You can get a copy of the Settlement Agreement and other relevant case-related documents at the Settlement Website, XXXX by calling the Settlement Administrator at ( XXXX ) XXXX, or by contacting Class Counsel at the addresses above or by email to XXXX. \n\nPLEASE DO NOT ADDRESS ANY QUESTIONS ABOUT THE SETTLEMENT OR THE LITIGATION TO THE CLERK OF THE COURT, THE JUDGE, THE SETTLING DEFENDANTS OR THE SETTLING DEFENDANTS ' COUNSEL. THEY ARE NOT PERMITTED TO ANSWER YOUR QUESTIONS. \n\n\n\nDOWNLOAD CLAIM FORM XXXX XXXX XXXX Notice ID XXXX PIN : XXXX XXXX XXXX XXXX We will only contact you with court-authorized notices or to update you about a claim you have filed. We will never send you any advertising or solicitation from an attorney. To unsubscribe from further email and receive notices only by regular mail, click here. \n\n\n\nSettlement Administrator XXXX XXXX XXXX XXXX, FL XXXX","date_sent_to_company":"2020-09-28T16:09:55.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Payday loan","zip_code":"20653","tags":null,"has_narrative":true,"complaint_id":"3859382","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Big Picture Loans, LLC","date_received":"2020-09-22T16:59:16.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The claims of the Settlement Class Members ( as defined below ) are being settled in the Court in the following class action matter : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( the \" <em>Lawsuit</em> '' ).\n\nThe Settlement also <em>resolves</em> other cases in Virginia, California, Oregon, Georgia, and Massachusetts.\n\nYou have <em>been</em> identified as a Settlement Class Member."]},"sort":[8.170794,"3859382"]},{"_index":"complaint-public-v1","_id":"12882628","_score":8.121073,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX responded with a form letter, and it did not respond to the issues I raised. To date, XXXX has still failed to furnish any evidence that it sent me any correspondence ( to my home address or otherwise ) that required payments to restart. I have requested this numerous times on the phone and in writing. It had incorrect information on my file, and it relied on that faulty information rather than sending me notices to my home to my home address. I sent the following letter to them on XX/XX/XXXX, with no response from XXXX : I am writing you regarding the responses I first received today via XXXX Mail today, XX/XX/XXXX. First, it is good news that I am finally now receiving First Class XXXX Mail from XXXX, postmarked XXXX XXXX, even though it has taken forty-one ( XXXX ) days for XXXX to XXXX. I check my mail daily and I have not received mail from XXXX for almost 5 years. \nNext, in your letter addressed to me and letters provided to others, XXXX claims it sent a letter to me at my home address on XX/XX/XXXX regarding auto debit continuance. As I wrote to you last, I have not received any XXXX mail or other correspondence from XXXX since the year XXXX. It is disingenuous for XXXX to report that it had sent this letter to my home when weighing the evidence that it had not. No less than two ( 2 ) XXXX account representatives on or about XX/XX/XXXX or XXXX, XXXX ( and potentially others ), on recorded phone conversations, reported to me that no mail was sent to my home address. They reported correspondence was being sent to an email address that did not belong to me I corrected the email address immediately on that first call. \nAnother interesting fact is the incorrect email address that the representatives told me on my calls with XXXX ( on or about XX/XX/XXXX or XXXX, XXXX ), is not the same email address that I provided on the Master Promissory Note ( dated XX/XX/XXXX ), that XXXX attached to the correspondence I received yesterday. If XXXX used an incorrect email address to send correspondence, and then it didnt send correspondence to my home address, that is not my fault. XXXX had an obligation in the Master Promissory Note to send notice by the following method, Any notice required to be given to you will be effective if it is sent by first class mail to the most recent address that we have for you, by electronic means to an email address you have provided. My home address has not changed in 25 years and the email address identified on the Master Promissory Note is correct, but no notices or correspondence was sent to that email address. \nIt is also telling that today after receiving your letters, when I called for assistance again, I spoke with another XXXX account representative, again on a recorded phone conversation, she could not tell me if a letter had been sent in XXXX or XXXX at all. When I asked her for the date the letter was sent to me, she could not tell me ; when I asked her if a letter was sent to me in the month of XXXX, she again could not tell me what day a letter was sent to me. I confirmed with her that all phone conversations are recorded. When I asked her how I can receive copies of the audio recordings, she told me that she was not sure because no one had ever asked her for them. She transferred me to an escalation team member to answer that question. \nI spent the next hour and 37 minutes attempting to again resolve this matter with XXXX escalation team member, who apparently was working from home ( evident by small child noises in the background ) and had poor internet service connectivity to XXXX system. As I asked her the same questions that I asked other previous representatives, specifically when letters were sent and how many were sent to my home address, she claimed that twenty-eight ( 28 ) letters were sent in XXXX and twenty-eight ( 28 ) were sent in XXXX, and on top of that she claimed that monthly statements were sent to my home address every month. This is a dramatic change from what the earlier representatives told me. It feels to me like someone at XXXX is trying to cover their tracks. If this was true, I would have received 80 pieces of mail throughout the two-year span, or almost a letter every week. Surely if that was true, I would have received at least one of them in that two-year span, but I did not. \nI asked the escalation team member if she would, on the spot, email me all the letters that she claimed were sent to my home address. She was very careful in how she responded. She said no sir I will send you some of them. As I questioned her again, if XXXX had already sent them to me, why she would not send them to me? She said she would not send them to me. I asked, will you not send them to me because you cant or because you dont want to?. She responded adamantly that she will not send them to me. She wouldnt answer the question. I cant understand why XXXX is being so secretive about its communication with me on this subject. If it sent these fifty-six ( 56 ) letters and twenty-four ( 24 ) paper statements to my home address in a two-year span, and has saved PDF copies of these letter, why will it not send them to me now. After I shared my concerns, she agreed to send me some of the letters. Moments later, I received two emails, one containing a PDF dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The second email, again sent yesterday, contained letters dated XX/XX/XXXX and XX/XX/XXXX. She said she would not send any other letters. \nAs I was on the phone with her, and she was attempting to re-log onto the XXXX system, I examined the letters. I noted to her that in the most recent letter ( that she emailed to me yesterday dated XX/XX/XXXX ), it says that Below is a snapshot of your current student loans for informational purposes ; no action is needed from you. Then, we will send a billing statement three weeks before your due date. I again questioned the escalation team member if she would please send me copies of the letter that followed these letters, that provided notice that a payment was due, or a statement representing a payment was due. She said XXXX had already sent those to me and she said, I will not email those letters to you. to date, I still have not received any evidence that XXXX sent me notices that required payments to resume, and as of yesterday it is refusing to send me copies of what it claims it sent me regarding the matter. XXXX is acting in bad faith in its dealings with me. \nAnother very disturbing comment she made on the phone with me, and one that other representatives have told me too, she indicated that most of her calls are dealing with this same issue and that at some point XXXX may need to change their stance on correcting peoples credit reports, but she said that is not the case today. She said, its your word against ours, sir. I am outraged at this. How can an entity representing the Department of Education, an entity in my own government, that is funded by my tax dollars, and the interest that I pay, all in the interest of educating my children, treat me as a liar when XXXX has clearly failed here, and it refuses to look at this matter objectively. \nWhen I wrote to XXXX in my letter dated XX/XX/XXXX, out of an abundance of caution, I notified XXXX that it must preserve all documents, electronic and otherwise, because litigation would likely ensue. I also requested XXXX to provide all recorded phone conversations between myself and XXXX and requested it be sent to my home address. XXXX has not provided the recordings or responded to my notification of document preservation. Further, I still have not received copies of any notices ( that XXXX claims it sent ) that represent payments were due or late. \nAt this point, I believe that these letters and statements XXXX claims it sent to me were either created after the fact ( to cover XXXX tracks ), or they were sent to an incorrect email address that I did not provide. Both of which are not consistent with the Master Promissory Note. Nevertheless, once XXXX believed my accounts were delinquent, it should have escalated its correspondence with me and sent correspondence to my home address before it reported negative credit information. XXXX failed to do that, and now is attempting to make me responsible for XXXX failure, another act of bad faith. \nI also believe that XXXX is experiencing internal problems because of indecisive direction coming from the government, the courts, and the XXXX of the XXXX XXXX, and its systems are in disarray. My belief is founded in my conversations with XXXX representatives and what I have read in the news. I also believe that it is attempting to make thousands if not millions of people pay the consequences of these problems. I am not willing to accept that. \nIf XXXX is acting in good faith, it should willingly and immediately provide the following information that I have requested : 1. Copies of all eighty ( 80 ) correspondence items XXXX claims it sent me in XXXX and XXXX, including twenty-four ( 24 ) account statements and fifty-six ( 56 ) letters. Please send all this information to my home address. It should also send me copies of all notices that payments were due or late whether sent in XXXX or XXXX. \n2. Provide all audio phone recordings between myself and XXXX representatives between XX/XX/XXXX, and XX/XX/XXXX, in a readily available file format. \nBased on my review of the facts, and the information XXXX has provided to date, XXXX needs to own up to its failures and correct my credit report. \nI stand ready and willing to resolve this matter without a lawsuit, however time is of the essence, XXXX must correct my credit report.","date_sent_to_company":"2025-04-08T14:33:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"98387","tags":null,"has_narrative":true,"complaint_id":"12882628","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-08T14:33:05.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Provide all audio phone recordings between myself and <em>XXXX</em> representatives between XX/XX/<em>XXXX</em>, and XX/XX/<em>XXXX</em>, in a readily available file format. \nBased on my review of the facts, and the information <em>XXXX</em> has provided to date, <em>XXXX</em> needs to own up to its failures and correct my credit report. \nI stand ready and willing to <em>resolve</em> this matter without a <em>lawsuit</em>, however time is of the essence, <em>XXXX</em> must correct my credit report."],"issue":["<em>Problem</em> with a company's investigation into an existing <em>problem</em>"],"sub_issue":["<em>Problem</em> with personal statement of dispute"]},"sort":[8.121073,"12882628"]},{"_index":"complaint-public-v1","_id":"12882375","_score":8.025694,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Nelnet responded with a form letter, and it did not respond to the issues I raised. To date, Nelnet has still failed to furnish any evidence that it sent me any correspondence ( to my home address or otherwise ) that required payments to restart. I have requested this numerous times on the phone and in writing. It had incorrect information on my file, and it relied on that faulty information rather than sending me notices to my home to my home address. I sent the following letter to them on XX/XX/XXXX, with no response from Nelnet : I am writing you regarding the responses I first received today via US Mail today, XX/XX/XXXX. First, it is good news that I am finally now receiving First Class US Mail from Nelnet, postmarked XXXX XXXX, even though it has taken forty-one ( 41 ) days for Nelnet to respond. I check my mail daily and I have not received mail from Nelnet for almost 5 years. \nNext, in your letter addressed to me and letters provided to others, Nelnet claims it sent a letter to me at my home address on XX/XX/XXXX regarding auto debit continuance. As I wrote to you last, I have not received any US mail or other correspondence from Nelnet since the year XXXX. It is disingenuous for Nelnet to report that it had sent this letter to my home when weighing the evidence that it had not. No less than two ( 2 ) Nelnet account representatives on or about XX/XX/XXXX or XXXX, XXXX ( and potentially others ), on recorded phone conversations, reported to me that no mail was sent to my home address. They reported correspondence was being sent to an email address that did not belong to me I corrected the email address immediately on that first call. \nAnother interesting fact is the incorrect email address that the representatives told me on my calls with Nelnet ( on or about XX/XX/XXXX or XXXX, XXXX ), is not the same email address that I provided on the Master Promissory Note ( dated XX/XX/XXXX ), that Nelnet attached to the correspondence I received yesterday. If Nelnet used an incorrect email address to send correspondence, and then it didnt send correspondence to my home address, that is not my fault. Nelnet had an obligation in the Master Promissory Note to send notice by the following method, Any notice required to be given to you will be effective if it is sent by first class mail to the most recent address that we have for you, by electronic means to an email address you have provided. My home address has not changed in 25 years and the email address identified on the Master Promissory Note is correct, but no notices or correspondence was sent to that email address. \nIt is also telling that today after receiving your letters, when I called for assistance again, I spoke with another Nelnet account representative, again on a recorded phone conversation, she could not tell me if a letter had been sent in XXXX or XXXX at all. When I asked her for the date the letter was sent to me, she could not tell me ; when I asked her if a letter was sent to me in the month of XXXX, she again could not tell me what day a letter was sent to me. I confirmed with her that all phone conversations are recorded. When I asked her how I can receive copies of the audio recordings, she told me that she was not sure because no one had ever asked her for them. She transferred me to an escalation team member to answer that question. \nI spent the next hour and 37 minutes attempting to again resolve this matter with Nelnets escalation team member, who apparently was working from home ( evident by small child noises in the background ) and had poor internet service connectivity to Nelnets system. As I asked her the same questions that I asked other previous representatives, specifically when letters were sent and how many were sent to my home address, she claimed that twenty-eight ( 28 ) letters were sent in XXXX and twenty-eight ( 28 ) were sent in XXXX, and on top of that she claimed that monthly statements were sent to my home address every month. This is a dramatic change from what the earlier representatives told me. It feels to me like someone at Nelnet is trying to cover their tracks. If this was true, I would have received 80 pieces of mail throughout the two-year span, or almost a letter every week. Surely if that was true, I would have received at least one of them in that two-year span, but I did not.\n\nI asked the escalation team member if she would, on the spot, email me all the letters that she claimed were sent to my home address. She was very careful in how she responded. She said no sir I will send you some of them. As I questioned her again, if Nelnet had already sent them to me, why she would not send them to me? She said she would not send them to me. I asked, will you not send them to me because you cant or because you dont want to?. She responded adamantly that she will not send them to me. She wouldnt answer the question. I cant understand why Nelnet is being so secretive about its communication with me on this subject. If it sent these fifty-six ( 56 ) letters and twenty-four ( 24 ) paper statements to my home address in a two-year span, and has saved PDF copies of these letter, why will it not send them to me now. After I shared my concerns, she agreed to send me some of the letters. Moments later, I received two emails, one containing a PDF dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The second email, again sent yesterday, contained letters dated XX/XX/XXXX and XX/XX/XXXX. She said she would not send any other letters. \nAs I was on the phone with her, and she was attempting to re-log onto the Nelnet system, I examined the letters. I noted to her that in the most recent letter ( that she emailed to me yesterday dated XX/XX/XXXX ), it says that Below is a snapshot of your current student loans for informational purposes ; no action is needed from you. Then, we will send a billing statement three weeks before your due date. I again questioned the escalation team member if she would please send me copies of the letter that followed these letters, that provided notice that a payment was due, or a statement representing a payment was due. She said Nelnet had already sent those to me and she said, I will not email those letters to you. to date, I still have not received any evidence that Nelnet sent me notices that required payments to resume, and as of yesterday it is refusing to send me copies of what it claims it sent me regarding the matter. Nelnet is acting in bad faith in its dealings with me. \nAnother very disturbing comment she made on the phone with me, and one that other representatives have told me too, she indicated that most of her calls are dealing with this same issue and that at some point Nelnet may need to change their stance on correcting peoples credit reports, but she said that is not the case today. She said, its your word against ours, sir. I am outraged at this. How can an entity representing the Department of Education, an entity in my own government, that is funded by my tax dollars, and the interest that I pay, all in the interest of educating my children, treat me as a liar when Nelnet has clearly failed here, and it refuses to look at this matter objectively. \nWhen I wrote to Nelnet in my letter dated XX/XX/XXXX, out of an abundance of caution, I notified Nelnet that it must preserve all documents, electronic and otherwise, because litigation would likely ensue. I also requested Nelnet to provide all recorded phone conversations between myself and Nelnet and requested it be sent to my home address. Nelnet has not provided the recordings or responded to my notification of document preservation. Further, I still have not received copies of any notices ( that Nelnet claims it sent ) that represent payments were due or late. \nAt this point, I believe that these letters and statements Nelnet claims it sent to me were either created after the fact ( to cover Nelnets tracks ), or they were sent to an incorrect email address that I did not provide. Both of which are not consistent with the Master Promissory Note. Nevertheless, once Nelnet believed my accounts were delinquent, it should have escalated its correspondence with me and sent correspondence to my home address before it reported negative credit information. Nelnet failed to do that, and now is attempting to make me responsible for Nelnets failure, another act of bad faith.\n\nI also believe that Nelnet is experiencing internal problems because of indecisive direction coming from the government, the courts, and the President of the United States, and its systems are in disarray. My belief is founded in my conversations with Nelnet representatives and what I have read in the news. I also believe that it is attempting to make thousands if not millions of people pay the consequences of these problems. I am not willing to accept that. \nIf Nelnet is acting in good faith, it should willingly and immediately provide the following information that I have requested : 1. Copies of all eighty ( 80 ) correspondence items Nelnet claims it sent me in XXXX and XXXX, including twenty-four ( 24 ) account statements and fifty-six ( 56 ) letters. Please send all this information to my home address. It should also send me copies of all notices that payments were due or late whether sent in XXXX or XXXX. \n2. Provide all audio phone recordings between myself and Nelnet representatives between XX/XX/XXXX, and XX/XX/XXXX, in a readily available file format. \nBased on my review of the facts, and the information Nelnet has provided to date, Nelnet needs to own up to its failures and correct my credit report. \nI stand ready and willing to resolve this matter without a lawsuit, however time is of the essence, Nelnet must correct my credit report.","date_sent_to_company":"2025-04-08T14:33:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"98387","tags":null,"has_narrative":true,"complaint_id":"12882375","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-04-08T14:20:13.000Z","state":"WA","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I stand ready and willing to <em>resolve</em> this matter without a <em>lawsuit</em>, however time is of the essence, Nelnet must correct my credit report."],"issue":["<em>Problem</em> with a company's investigation into an existing <em>problem</em>"],"sub_issue":["<em>Problem</em> with personal statement of dispute"]},"sort":[8.025694,"12882375"]},{"_index":"complaint-public-v1","_id":"8237601","_score":8.007239,"_source":{"product":"Debt collection","complaint_what_happened":"In XX/XX/XXXX during my XXXX treatment the prior debt collector called and I paid the entire amount off I proved this an email and a phone call where during the phone call the rep said they did not get the documents. I provided a court order that stated portfolio recovery had to be in compliance and stay in compliance case remains open. They are not relieving me of the three years of unpaid late debt. If I was to pass away this makes it go to my estate that incorrect and against civil elder laws and tax law also fradualnt and they could be liabilities. This is the way they are headed so my family they live out of the home are going to be charging each credit bureau as my bank offers insurance and protection. For {$120.00} an hour for anything that theyve done thats contributed to this and up to this for missing work and time and hours as they have been putting in a lot of work to try to correct and resolve an issue that they refused to even look at. My family now has gone up to many months correcting and trying to correct this issue so I could get rentals on credit due to healthcare reasons I can not because my credit score is solo from portfolio recovery putting three years negative marks on my history. This is is also against civil code. I have expressed it many times that they have caused undo stress and burden anxiety and Ive been hospitalized several times because of this problem where I can not even bring these issues home anymore : I should not have to be away from my own home because of the lack of thier own ability to report this could cause me death. Portfolio recovery was sent a demand letter for ten days and refused to answer they again lied. I want them held accountable for anything that happens to me as a result of my lowering quality of life. XXXX XXXX XXXX XXXX on a limited income. This is abusive, unethical and inhumane. The collectors are rude and disrespectful to me they are not following Elder laws. They wanted to have me file hardship papers for their gain they asked me to commit fraud. This clause this is the last attempt to resolve this on my own as we have the insurance for {$120.00} an hour reverse lawyer fees for the last XXXX years of us trying to get them to remove the debt. Its taking time away from my daughter, and myself, to tell them, and prove to them that XXXX was paid I provided all. My forms. ID bills statement etc. that the company had already been paid and that they bought debt from capitalone in XX/XX/XXXX after it had been paid in XX/XX/XXXX its unfair that the company folded and I had settled my debt. As a senior who got behind just because I was in XXXX and very sick after all of this requested. They continue to lie. They found themselves in favor without ever checking the email and provided that to XXXX never even checked. I asked for supervisors they had none there. I dont think theres any that exist. fill out form Im not in hardship I paid my debt Im not filling out forms just so they could skate bye on something that they did. I went. All of the marks pulled away from the three years of bad credit. They already closed the case they bought and XXXX in fear that theyre going to sell it to someone else it just keeps going on. \n\nText letter of first The debt was paid in full on XX/XX/XXXX and convergent went under and had a breech also thousands of lawsuits during Covid which was when my mothers dept was paid and also during XXXX treatments. XXXX  XXXX then sold the collections to porfio recovery in XX/XX/XXXX and has left negative marks and poor payment history on her credit report and history we would like those removed as soon as possible and have also notified the three credit bureaus. XX/XX/XXXX Text of letter # 2 today 's call Today XX/XX/XXXX the customer service agent had no supervisor for me to speak to. Her reply was that they were \" busy \" when I asked her if she was working from home or unable to transfer me she said no \" they busy again '' she remained nice but I kept declining the reopening of a case they took upon themselves to shut. I asked if they could call me she replied \" no that I had to open another case and resend the forms. '' They don't have them. Again - I declined to open another case that they themselves close in thier favor I advised her ( the representatives ) that this was purchased by them not me and this is the discovery departments job to discover '' I had to repot into the credit bureaus and XXXX  XXXX as well as the old and new company information and phone numbers and addresses to poetfiolo I had did her job as far as discovery that they needed to file the hardship form. We will not do the work for a debt they bought that was paid we will not accept the negative marks poor history and want them removed It is not the consumers fault the last company did don't report this to XXXX XXXX and it's not the consumers fault that they sold her information to portfiol or thst portfolio bought into a bad batch. She still had a debt showing up in her collections with a score now showing at XXXX and this is to be resolved at thier doing, showing \" closed '' as well as a bad payment history for three years after showing that this has been paid off they sent a letter expecting my XXXX to do hardship papers which she has no hardship they bought a batch of report clearly that was already paid off from a company that went under and changed its name which was provided AGAIN in the documents above. \nXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The Consumer FinancialProtection Bureau ( Bureau ) commenced thiscivilaction on XXXX XXXX toobtaininjunctiveand monetaryreliefand civilpenaltiesfrom PortfolioRecoveryAssociates, LLC ( Defendant, asdefinedbelow ). The Complaint allegesthat, inconnectionwithitsdebtcollectionandfurnishingactivities, Defendant violatedsections 1031 ( a ) and 1036 ( a ) ( 1 ) ofthe Consumer FinancialProtectionActof 2010 ( CFPA ), 12 U.S.C. 5531 ( a ) ,5536 ( a ) ( 1 ) ; sections623 ( a ) ( 8 ) ( E ) - ( F ) and 623 ( b ) ( 1 ) oftheFairCreditReportingAct ( FCRA ), 15U.S.C.i68is-2 ( a ) ( 8 ) ( E ) - ( F ), ( b ) ; sections 1022.42and 1022.43ofRegulationV,12C.F.R.1022.42-1022.43 ; andsections807 and 814 ofthe Fair Debt CollectionPracticesAct ( FDCPA ), 15 U.S.C. 16920, 1692/.\n\nThe Bureauand Defendantagreetoentryofthis StipulatedFinalJudgmentand Order ( Order ), withoutadjudicationofanyissueoffactorlaw, tosettleand resolveall mattersindisputearisingfrom theconductallegedintheComplaint. \nFINDINGS 1. This Courthasjurisdictionoverthe partiesand action.\n\nSTIPULATEDFINALJUDGMENT AND-ORDER Last attempt demand notice for removal of debt and all negative marks : reference to civil code law violation of court order against portfolio recovery caseNo.2:23-cv-lio UNITED STATES DISTRICTCOURT EASTERN DISTRICTOFVIRGINIA NORFOLK DIVISION FILED Recovery Associates , LLC ( PRA ) and alleges the following : INTRODUCTION 1. PRA is a debt collector whose principal purpose is the collection of debts.\n\nPRA also furnishes consumer information to consumer-reporting agencies ( CRAs ).\n\n2. PRA collected millions of dollars using illegal deb-collection practices and engaged in unlawful credit-reporting practices that have impacted at least hundreds of thousands of consumers.\n\n3. This is the second enforcement action that the Bureau has brought against PRA. In the first, the Bureau found that PRA violated multiple provisions of \" Federal consumer financial law, including the Consumer Financial Protection Act of 2010 ( CFPA ) and the Fair Debt Collection Practices Act ( FDCPA ), through its debt-purchase and collection practices. The Bureau resolved those findings through an order, to which PRA consented, issued on September 9, 2015 in In re Portfolio Recovery Associates, 514 Case 2:23-Cv-00110 Document 1 Filed 03/23/23 Page 2 of 25 PagelD # 2 ^ LLC ( Administrative Proceeding File No. 2015-CFPB-0023 ) ( the Order ). The Order required PRA to abide by certain conduct provisions.\n\n4. Since the Order went into effect, PRA 's debt-collection practices have violated numerous Order provisions, along with the CFPA and the FDCPA. PRA collected on at least tens of thousands of debts that consumers disputed even though PRA did not take the required steps to substantiate the accuracy and validity of those debts. PRA collected on numerous debts without informing consumers the debts were too old to legally enforce or report to a CRA. When notifying consumers that they could be sued, PRA failed to offer to provide consumers with certain required documents. On hundreds of occasions, PRA failed to timely provide the documents it did offer. PRA 's failure to offer and timely supply the requisite documents likely affected consumers ' decision-making about whether to pay allegedly outstanding debts. And PRA sued thousands of consumers when it lacked proper documentation about the debt, and at times sued on debts that were too old.\n\n5. Through these illegal practices, PRA collected millions of dollars from APR 13 2023 CLERK, U.S.DISTRICTCOURT NORFOLK.VA 12:36 Messages INJUNCTION AND OTHER RELIEF Portfolio Recover IMG_5919.jpeg The Consumer Financial Protection Bureau ( Bureau ) brings this action against Portfolio Recovery Associates , LLC ( PRA ) and alleges the following : INTRODUCTION 1. PRA is a debt collector whose principal purpose is the collection of debts.\n\nPRA also furnishes consumer information to consumer-reporting agencies ( CRAs ).\n\n2. PRA collected millions of dollars using illegal deb-collection practices and engaged in unlawful credit-reporting practices that have impacted at least hundreds of thousands of consumers.\n\n3. This is the second enforcement action that the Bureau has brought against PRA. In the first, the Bureau found that PRA violated multiple provisions of \" Federal consumer financial law, including the Consumer Financial Protection Act of 2010 ( CFPA ) and the Fair Debt Collection Practices Act ( FDCPA ), through its debt-purchase and collection practices. The Bureau resolved those findings through an order, to which PRA consented, issued on September 9, 2015 in In re Portfolio Recovery Associates, 514 Case 2:23-Cv-00110 Document 1 Filed 03/23/23 Page 2 of 25 PagelD # 2 ^ LLC ( Administrative Proceeding File No. 2015-CFPB-0023 ) ( the Order ). The Order required PRA to abide by certain conduct provisions.\n\n4. Since the Order went into effect, PRA 's debt-collection practices have violated numerous Order provisions, along with the CFPA and the FDCPA. PRA collected on at least tens of thousands of debts that consumers disputed even though PRA did not take the required steps to substantiate the accuracy and validity of those debts. PRA collected on numerous debts without informing consumers the debts were too old to legally enforce or report to a CRA. When notifying consumers that they could be sued, PRA failed to offer to provide consumers with certain required documents. On hundreds of occasions, PRA failed to timely provide the documents it did offer. PRA 's failure to offer and timely supply the requisite documents likely affected consumers ' decision-making about whether to pay allegedly outstanding debts. And PRA sued thousands of consumers when it lacked proper documentation about the debt, and at times sued on debts that were too old.\n\n5. Through these illegal practices, PRA collected millions of dollars from consumers.\n\n6. Because inaccurate reporting can negatively affect a consumer 's financial opportunities, the Fair Credit Reporting Act ( FCRA ) and its implementing Regulation V require furnishers like PRA to promptly and adequately respond when a consumer disputes the accuracy of a debt. In violation of these requirements, PRA failed on numerous occasions to timelv respond or reasonablv investicate when consumers Portfolio Recovery was already brought to action for the Same suit like myself this year and are non compliant. They are not working with any of the creditors nor are the creditors helping me. I want all of this removed and all marks taken off my record please help","date_sent_to_company":"2024-01-27T08:04:12.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"85209","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"8237601","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2024-01-27T06:27:57.000Z","state":"AZ","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> on a limited income. This is abusive, unethical and inhumane. The collectors are rude and disrespectful to me they are not following Elder laws. They wanted to have me file hardship papers for their gain they asked me to commit fraud. This clause this is the <em>last</em> attempt to <em>resolve</em> this on my own as we have the insurance for {$120.00} an hour reverse lawyer fees for the <em>last</em> <em>XXXX</em> years of us trying to get them to remove the debt."]},"sort":[8.007239,"8237601"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":47,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":47}]}},"product":{"doc_count":47,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":12,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":11},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Mortgage","doc_count":12,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home 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