{"took":1295,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":16,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9823875","_score":10.787732,"_source":{"product":"Credit card","complaint_what_happened":"XXXX. Nowhere on your website is the an opportunity to determine your criteria or options on your alleged option to reduce interest rate to 4.9 % and lower monthly payments as you claim in your multiple, unanswered, and misleading text messages stating XXXX acct ending XXXX. To drop your APR to 4.9 % & lower your pmt, visit myaccountaccess.com or call XXXX. To cancel Card Payment texts reply STOP. From logging into myaccountaccess.com multiple times I know there is no way to find any information about lowering interest rates to 4.9 % and lowering monthly payments. I also know that your XXXX # is not answered when I am available to return calls after checking messages, usually after XXXX PM MT. Your call center lack of access clearly demonstrates your total lack of customer car and customer communication. \nXXXX. I replied to your first ( received XX/XX/XXXX at XXXX XXXX  ) above referenced text message on XX/XX/XXXX at XXXX XXXX, which you rejected immediately at XXXX XXXX. In spite of your lack of response to both text and written communications, you continue to text on XX/XX/XXXX ( XXXX XXXX  ), XX/XX/XXXX ( XXXX XXXX  ), XX/XX/XXXX ( XXXX XXXX  ), XX/XX/XXXX ( XXXX XXXX  ), XX/XX/XXXX ( XXXX XXXX  ), XX/XX/XXXX ( XXXX XXXX  ), and XX/XX/XXXX ( XXXX XXXX  ) without responding with any information requested about your alleged offer of 4.9 % interest and reduced payments. You totally lack any form of customer care or communication as clearly demonstrated here. \nXXXX. Instead of responding to the previous requests for information about your alleged offer to reduce interest rate to 4.9 % with reduced monthly payment, you again texted on XX/XX/XXXX ( XXXX XXXX  ), and XX/XX/XXXX ( XXXX XXXX  ) saying, XXXX acct ending XXXX. To avoid permanent acct closure, visit myaccountaccess.com or call XXXX. TO cancel Card Payment texts reply STOP. Again, this clearly demonstrates your total lack of customer care and total lack of customer concern. \nXXXX. In spite of your having access to the home number, XXXX XXXX XXXX, where you could leave a detailed message at any time concerning your alleged offer of 4.9 % interest and reduced payments, you have yet to call the number, much less provide any information concerning your alleged offer. This again demonstrates XXXX total disregard for customers including both a lack of customer care and customer concerns. \nXXXX. Any US Mail that you allegedly send ( or sent ) goes in the pile of mail to be reviewed when I receive my pay at the end of the month. If you really wanted to communicate with customers, you would provide details in the ways you have at your disposal, not continue to send text messages to which you both refuse to accept and reply. If you really had an offer available of 4.9 % interest with lower payments on your website, myaccountaccess.com, you would make that offer readily apparent and available on your website. If your alleged offer exists, it is neither apparent nor available on your website. \nXXXX. In spite of your allegation that you can not make your alleged offer of 4.9 % interest with reduced payments retroactive to the date I initially replied on XX/XX/XXXX, I know that you can override computer systems and make changes ; I have spent over 50 years of my life in Customer Service and know computer systems can be overridden. I also know what Customer Service looks and feels like ; XXXX clearly is lacking in both Customer Service looks and feel! \nXXXX. If you truly appreciated the opportunity to respond to my continued concerns, as you allege in your first paragraph of your XX/XX/XXXX reply to the CFPB, you would address and answer my concerns instead of dancing around them without answering the concern. You would also answer my concerns instead of repeating your non-replies just like your inept agents at your XXXX number who are great a parroting a script but continually demonstrate inability to answer questions and concerns. Your call center agents a definitely not helpful in the few times I have been able to call during your limited hours. \nXXXX. In spite of Elans continued customer abuse and mistreatment, clearly demonstrated by your ongoing lack of customer concern, care, and respect, I have continued to make a monthly payment. This is in spite of your ongoing addition of unwarranted charges to the account because of your continued inability to provide information of your alleged offers, your lack of a legitimate answer to why you increased the monthly payment from {$200.00} to {$1600.00}. ( It clearly appears from your statements that it is due to XXXX ongoing addition of unwarranted charges to the account due to your ongoing obstruction and inability to provide information and clear simple answers to legitimate questions and concerns. ) XXXX. As previously requested multiple times, please provide information requested on your alleged offer of 4.9 % with reduced payment. You have yet to provide this information in any of your non-replies to the CFPB. Additionally to providing the information in your CFPB responses, you have had multiple opportunities to either leave a detailed message on the home number on file, or reply with the information to you multiple text messages. In spite of this, you have yet to provide any information on the alleged offer. Further, if you also reply by US Mail, do not expect me to look at it until the end of the month. \nXXXX. As previously requested multiple times, please provide the details on your alleged offer via your response to the CFPB. \nXXXX. Due to your continued and unconscionable lack of response to both myself and the CFPB, please delete all additional charges XXXX has added to the account since my initial XX/XX/XXXX reply to your alleged offer.","date_sent_to_company":"2024-08-16T17:07:59.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"691XX","tags":"Older American","has_narrative":true,"complaint_id":"9823875","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2024-08-16T17:00:49.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["If you <em>really</em> <em>wanted</em> to communicate with customers, you would provide details in the ways you have at your disposal, not continue to send text messages to which you both refuse to accept and reply. If you <em>really</em> had an offer available of 4.9 % interest with lower payments on your website, myaccountaccess.com, you would make that offer readily apparent and available on your website. If your alleged offer exists, it is neither apparent nor available on your website. \nXXXX."]},"sort":[10.787732,"9823875"]},{"_index":"complaint-public-v1","_id":"2686552","_score":10.273281,"_source":{"product":"Mortgage","complaint_what_happened":"I would like to submit a complaint to report unfair, deceptive business practices of XXXX XXXX XXXX XXXX dealing with my case Loan XXXX. This situation started XX/XX/XXXX and I am still waiting answers to my questions and request. I have reported this situation to several times to Wells Fargo internal departments including Board of Director and XXXX XXXX CEO. The situation with the property referred in case Loan XXXX was resolved only because I took a difficult unexpected decision in order not to lose the potential customer who wanted to buy my house. Wells Fargo misled us, provided misleading information to handle and manage the case, neither gave us ( My wife and me ) support nor proper guidance plus they made us lose our time, money and affected our personal and professional life. \nOn XX/XX/XXXX, we approached a Wells Fargo branch office to explain my situation and asked what options I could exercise. After being suggested the Wells Fargo Short Sell process, l provided all Wells Fargos requirements in order to consider us into their Short Sale process so that I can lower the price and sell the house quickly to avoid foreclosure. I complied with all the requirements requested from Wells Fargo. These include a letter explaining my financial hardships that occurred without my control. I was laid off from a very traditional and solid organization in the health care environment in XXXX, Tx. The option to participate in the Wells Fargo Short Sell process was presented as a privilege that needed to be approved. \nSince the very beginning, we were unable to receive proper information, guidance, advice, support and direction about how to proceed with the Short Sell process with Wells Fargo. I was never informed about the conditions, rules of engagements, amounts ( price, debt, etc. ), procedure and process to handle and manage proceedings to accept the sales price. I submitted at least seven offers but never I was explained why they were not accepted/approve even though most of them were above the price they specified in their correspondences. \nWells Fargo provided us only misleading and wrong information during the whole process from XX/XX/XXXX until XX/XX/XXXX. We spent two month collecting and submitting the required information but they never used that information to make the analysis of offers and our situation. They made a mockery of us. They never used that information. It was only used to assess if we were granted the privilege to participate in the process but it was not used not during the whole process, for example, when taking the decision to accept an offer, to assess or refresh themselves about the financial limitation we had, the timing to make decision ( Potential buyer even withdrawal offer because Wells Fargo long time to decide, etc. ). This caused that our debt increased because Wells Fargo was not in a hurry to close the deal. Meantime, they continue charging us interests and paying insurance without us knowing that. \nThe worst is that being the debt owner responsible of the property, we were forbidden to talk to Wells Fargo personal involved in the process and empowered to make decisions for case Loan no. XXXX. We were authorized only to talk and deal with an intermediate person that does not know anything about the Short Sell process. We never talked neither met with the Processor, the title of the person assigned to help us with our case Loan XXXX. We understand that the Processor was the only person responsible to analyze and accept/reject offers presented of potential buyers, etc. The Processor could only communicate with my realtor to take decision about my property and debt. This is unacceptable, totally unacceptable. My realtor, a very diligent person was several times offended personally and professionally by Wells Fargo during the process. My realtor tried very hard to sell our property but at the end my realtor does not cares about the issues and responsibilities that I have with my creditor. Meanwhile, Wells Fargo was very diligent reporting me to the Bureau of Credit and making frequent phone calls threatening me about the pending debt. \nThe Wells Fargo branch offices and personnel that I contacted as indicated in my letters do not know about the Short Sell process. Since the very beginning, we were obligated to talk only by phone with Wells Fargo personnel to look for answers to our questions and concerns. I only used Wells Fargo branches to send via fax my information and communications. The branches were not prepared to provide any help at all. On the other hand, Wells Fargo expected and demanded that our realtor, and realtors in general in XXXX area and potential buyers should know the process. They did not accept that we did not know even though we tried very hard. Also, this is not acceptable either. It is offensive, degrading and humiliating. \nMy credit was significantly deteriorated during that critical period of my life. I was looking for a job and but checking credit score is a standard practice during prequalification for job opportunities. Also, my personal dignity was severely affected by the treatment of Wells Fargo personnel. \nI tried to escalate my complaints internally in Wells Fargo but the persons assigned to attend my case did n't seems to understand my complaint. I am still waiting for responses to know if the Wells Fargo CEO and Board of Directors agree and stand behind the responses that I got as resolution of the case Loan XXXX. They focused their analysis on how they have complied with Wells Fargo internal processes. They have complicated everything trying to confuse me. This Short Sell process and service they have as a financial organization is wrong. An important step to improve and correct the situation is to acknowledge that but Wells Fargo does not want to do that. Wells Fargo can not leave out of the process the owner of the property and the debtor. Wells Fargo can not leave us out of the process when we wanted to help find the solution. \nThe Wells Fargo staff, including executive levels, to whom I addressed my issues, complaints and questions never responded my letters. They designated, I assume, persons and I do not know if they are aware of how the designated persons answered my questions, issues, concerns and requests ( See attached letter A-WELLS FARGO Final Letter ) of my case Loan XXXX. Also, I do not know if they agree about the resolution they gave to my case. \nOn XX/XX/XXXX we received an offer for {$220000.00} to buy the property referenced in Loan no. XXXX. This offer was well above the debt and parameters indicated in the Short Sell documents. But, without any warning or alert, we were told that the debt was really XXXX meaning this that we were short by {$10000.00}. Therefore, I had to ask for an emergency personal loan for that amount. Wells Fargo did not provided any help neither option. The persons that were handling my case ratified the amount {$230000.00}. I only could close the deal to avoid the risks to lose the customer because I took the personal loan for the difference. Wells Fargo knew that under my financial constrain at that moment that I could not afford such action. I need to highlight that Wells Fargo knew that the property was for sell since XX/XX/XXXX. \nConsumer Financial Protection Bureau ( CFPB ),, I am attaching some critical documentation to present my case but I also I request that all phone conversations made to Wells Fargo to be available because they are very important to my case. Together with the phones conversations, I have evidences to prove all that I am writing : dates, documents provided to present our case, questions, issues, concerns, disagreement about how they were handling the case and their process. Also, I have communications presented to demonstrate our intention all the time to help to resolve the situation, how they mocked us, the misleading information they gave us, the errors and mistakes that we detected, the information about the amount of the debt, the time wasted, my unanswered letters to specific person, etc., etc. \nCFPB, I respectfully request your help and guidance. I honestly do not accept that as a consumer to be exposed to so much unfairness, discretion and mistreat. \nThank you","date_sent_to_company":"2017-09-27T21:29:19.000Z","issue":"Closing on a mortgage","sub_product":"FHA mortgage","zip_code":"77494","tags":"Older American","has_narrative":true,"complaint_id":"2686552","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2017-09-27T20:40:53.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["An important step to improve and correct the situation is to acknowledge that but Wells Fargo does not <em>want</em> to do that. Wells Fargo can not <em>leave</em> out of the process the owner of the property and the debtor. Wells Fargo can not <em>leave</em> us out of the process when we <em>wanted</em> to help find the solution. \nThe Wells Fargo staff, including executive levels, to whom I addressed my issues, complaints and <em>questions</em> never responded my letters."]},"sort":[10.273281,"2686552"]},{"_index":"complaint-public-v1","_id":"9088933","_score":8.764231,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is in reference to an account on my credit report, XXXX XXXX. This is my third dispute with the credit agencies ( XXXX, XXXX and XXXX ) and technically my third with XXXX XXXX who I spoke with earlier today ( XX/XX/XXXX ) and their specialist ( XXXX ) put through a dispute on my behalf. That was due to my dissatisfaction of their response to my original dispute, and now this one makes three.\n\nSo between the back and forth with the agencies after their re-investigations and them updating certain info on my report by deleting them instead of making them accurate because they couldn't prove it like XXXX erased most of my info instead of updating it and Experian changing my charge off date to XX/XX/XXXX when it was originally XX/XX/XXXX which was accurate at the time. They have my account in good and OK status all the way up until this year as if there were no delinquency until XX/XX/XXXX when I actually paid off the charge off. This was done after they first reinvestigated my dispute and verified it accurate and then on their second reinvestigation this was the action they made. Is that not unlawful to change accurate information on my credit report and make it false, then say it's right and I'm wrong and continue to have that displayed on my report? Is it right that XXXX gave them the data and furnished this inaccurate information to them and again after I dispute with them they say everything IS CORRECT and they will not allow a change to the account. \n\nThe agencies keep telling me to wait until my credit report updates in 30 to 60 days before I can dispute again. They said it's not final yet. If you send me secure emails telling me my dispute is complete and I open it and it says complete, then its complete now. I'm not waiting 30 days let alone 3 if you decide to keep falsifying my credit reports with inaccurate information. FCRA laws protect me from you damaging my consumer identity with falsities especially after I brought them to your attention and provided documents to show. I talked with your agents over secure phone lines and told them exactly what was wrong and as they look at the side by side proof I sent through the CFPB complaints, they said it's still accurate and kept it verified and again sent me to deal with this with XXXX. \n\nSo earlier today talking with XXXX she iterated more of the same, I have to wait up until 60 days not only for this to take it's course but I asked her to answer questions in my original dispute that XXXX never answered in their completed response to my dispute they emailed me this morning. She couldn't provide me answer 's as to why my if you are providing data to the agencies and they all reflect your data, then why are all three reports coming back with different information even after their re-investigations and the few updates they did make to my account. I asked about not reflecting the payments I made on the reports but only shows my suggested and balance amounts. XXXXXXXX XXXX so called investigation did not comment on this. They however did send statements that reflect what I said is true and that I made payments... again not showing on my credit reports. it still shows {$0.00} and one of the credit agencies just wiped off the zero and put a NR or -- in place instead of updating. It is in the documents I'll provide. So since I had unanswered questions that their response or XXXX over the phone couldn't answer I asked to speak to her superior or someone who could answer this. She said no, I'd have to wait up to 60 days for someone to get back to me from some other division and that she would just submit another dispute for me. She said I do not need to provide any information or documents, if they are needed they will ask for it when they get back to me. Well I am sending documents anyways to prove my credit reports are inaccurate, and have been re investigated now twice and been made even more inaccurate. I don't see how this is legal after not making proper corrections and making the correct information show now inaccurate, and continuously doing so. The information on this account can not be made to be accurate and after numerous attempts you still fail me and my consumer rights to have a fair and accurate credit report. That's all I wanted and asked for in my first dispute with the agencies, now I demand immediate removal. XXXX and the agencies have failed over and over while I pay the price for all your negligence. \nI will send my updated reports from today that I bought with myfico and free information obtained through annualcreditreport. I have a monthly subscription with myfico since XXXX and I received multiple alerts of credit report changes and updates from you all updating this account and what you are updating along the way. It really shows how unfair and discriminatory your practices have been along with the trail of verifications and dismissing of my disputes to remove or make accurate. You all have tried multiple times to make this account show accurate amongst the agencies and XXXX and failed over and over. This has to be removed now. I expect XXXX to do what XXXX has been doing, keep violating me and my FCRA rights. So when this comes back wrong again and said to be accurate, or updated with frivolous information I will cease communications and take this in front of a judge or however it works. XXXX for their furnishing and unwillingness to comply with the accuracy of my account and after not making it accurate, not removing this account all together. The credit agencies for knowingly leaving false info on my report because the original creditor said so even though they can see the clear distinctions on their reports after I submitted prove. Balls in your courts as usual, I assume to see you in court. When I receive your completed response of nonsense, my lawyer will be in touch. God bless.","date_sent_to_company":"2024-05-24T22:56:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19111","tags":null,"has_narrative":true,"complaint_id":"9088933","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-24T22:56:29.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["So since I had <em>unanswered</em> <em>questions</em> that their response or XXXX over the phone couldn't answer I asked to speak to her superior or someone who could answer this. She said no, I'd have to wait up to 60 days for someone to get back to me from some other division and that she would just submit another dispute for me. She said I do not need to provide any information or documents, if they are needed they will ask for it when they get back to me."]},"sort":[8.764231,"9088933"]},{"_index":"complaint-public-v1","_id":"9089540","_score":8.75408,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is in reference to an account on my credit report, XXXX XXXX. This is my third dispute with the credit agencies ( XXXX, XXXX and XXXX ) and technically my third with XXXX XXXX who I spoke with earlier today ( XX/XX/XXXX ) and their specialist ( XXXX ) put through a dispute on my behalf. That was due to my dissatisfaction of their response to my original dispute, and now this one makes three.\n\nSo between the back and forth with the agencies after their re-investigations and them updating certain info on my report by deleting them instead of making them accurate because they couldn't prove it like XXXX erased most of my info instead of updating it and XXXX changing my charge off date to XX/XX/XXXX when it was originally XX/XX/XXXX which was accurate at the time. They have my account in good and OK status all the way up until this year as if there were no delinquency until XX/XX/XXXX when I actually paid off the charge off. This was done after they first reinvestigated my dispute and verified it accurate and then on their second reinvestigation this was the action they made. Is that not unlawful to change accurate information on my credit report and make it false, then say it's right and I'm wrong and continue to have that displayed on my report? Is it right that XXXX gave them the data and furnished this inaccurate information to them and again after I dispute with them they say everything IS CORRECT and they will not allow a change to the account. \n\nThe agencies keep telling me to wait until my credit report updates in 30 to 60 days before I can dispute again. They said it's not final yet. If you send me secure emails telling me my dispute is complete and I open it and it says complete, then its complete now. I'm not waiting 30 days let alone 3 if you decide to keep falsifying my credit reports with inaccurate information. FCRA laws protect me from you damaging my consumer identity with falsities especially after I brought them to your attention and provided documents to show. I talked with your agents over secure phone lines and told them exactly what was wrong and as they look at the side by side proof I sent through the CFPB complaints, they said it's still accurate and kept it verified and again sent me to deal with this with XXXX. \n\nSo earlier today talking with XXXX she iterated more of the same, I have to wait up until 60 days not only for this to take it's course but I asked her to answer questions in my original dispute that XXXX never answered in their completed response to my dispute they emailed me this morning. She couldn't provide me answer 's as to why my if you are providing data to the agencies and they all reflect your data, then why are all three reports coming back with different information even after their re-investigations and the few updates they did make to my account. I asked about not reflecting the payments I made on the reports but only shows my suggested and balance amounts. XXXX XXXX so called investigation did not comment on this. They however did send statements that reflect what I said is true and that I made payments... again not showing on my credit reports. it still shows {$0.00} and one of the credit agencies just wiped off the XXXX  and put a NR or -- in place instead of updating. It is in the documents I'll provide. So since I had unanswered questions that their response or XXXX over the phone couldn't answer I asked to speak to her superior or someone who could answer this. She said no, I'd have to wait up to 60 days for someone to get back to me from some other division and that she would just submit another dispute for me. She said I do not need to provide any information or documents, if they are needed they will ask for it when they get back to me. Well I am sending documents anyways to prove my credit reports are inaccurate, and have been re investigated now twice and been made even more inaccurate. I don't see how this is legal after not making proper corrections and making the correct information show now inaccurate, and continuously doing so. The information on this account can not be made to be accurate and after numerous attempts you still fail me and my consumer rights to have a fair and accurate credit report. That's all I wanted and asked for in my first dispute with the agencies, now I demand immediate removal. XXXX and the agencies have failed over and over while I pay the price for all your negligence. \nI will send my updated reports from today that I bought with myfico and free information obtained through annualcreditreport. I have a monthly subscription with myfico since XXXX and I received multiple alerts of credit report changes and updates from you all updating this account and what you are updating along the way. It really shows how unfair and discriminatory your practices have been along with the trail of verifications and dismissing of my disputes to remove or make accurate. You all have tried multiple times to make this account show accurate amongst the agencies and XXXX and failed over and over. This has to be removed now. I expect XXXX to do what XXXX has been doing, keep violating me and my FCRA rights. So when this comes back wrong again and said to be accurate, or updated with frivolous information I will cease communications and take this in front of a judge or however it works. XXXX for their furnishing and unwillingness to comply with the accuracy of my account and after not making it accurate, not removing this account all together. The credit agencies for knowingly leaving false info on my report because the original creditor said so even though they can see the clear distinctions on their reports after I submitted prove. Balls in your courts as usual, I assume to see you in court. When I receive your completed response of nonsense, my lawyer will be in touch. God bless.","date_sent_to_company":"2024-05-24T22:56:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19111","tags":null,"has_narrative":true,"complaint_id":"9089540","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-24T21:14:32.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["So since I had <em>unanswered</em> <em>questions</em> that their response or XXXX over the phone couldn't answer I asked to speak to her superior or someone who could answer this. She said no, I'd have to wait up to 60 days for someone to get back to me from some other division and that she would just submit another dispute for me. She said I do not need to provide any information or documents, if they are needed they will ask for it when they get back to me."]},"sort":[8.75408,"9089540"]},{"_index":"complaint-public-v1","_id":"9088934","_score":8.75408,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is in reference to an account on my credit report, CitiCards XXXX. This is my third dispute with the credit agencies ( XXXX, XXXX and XXXX ) and technically my third with CitiCards/ CitiBank who I spoke with earlier today ( XX/XX/XXXX ) and their specialist ( XXXX ) put through a dispute on my behalf. That was due to my dissatisfaction of their response to my original dispute, and now this one makes three.\n\nSo between the back and forth with the agencies after their re-investigations and them updating certain info on my report by deleting them instead of making them accurate because they couldn't prove it like XXXX erased most of my info instead of updating it and XXXX changing my charge off date to XX/XX/XXXX when it was originally XX/XX/XXXX which was accurate at the time. They have my account in good and OK status all the way up until this year as if there were no delinquency until XX/XX/XXXX when I actually paid off the charge off. This was done after they first reinvestigated my dispute and verified it accurate and then on their second reinvestigation this was the action they made. Is that not unlawful to change accurate information on my credit report and make it false, then say it's right and I'm wrong and continue to have that displayed on my report? Is it right that Citi gave them the data and furnished this inaccurate information to them and again after I dispute with them they say everything IS CORRECT and they will not allow a change to the account.\n\nThe agencies keep telling me to wait until my credit report updates in 30 to 60 days before I can dispute again. They said it's not final yet. If you send me secure emails telling me my dispute is complete and I open it and it says complete, then its complete now. I'm not waiting 30 days let alone 3 if you decide to keep falsifying my credit reports with inaccurate information. FCRA laws protect me from you damaging my consumer identity with falsities especially after I brought them to your attention and provided documents to show. I talked with your agents over secure phone lines and told them exactly what was wrong and as they look at the side by side proof I sent through the CFPB complaints, they said it's still accurate and kept it verified and again sent me to deal with this with Citi.\n\nSo earlier today talking with XXXX she iterated more of the same, I have to wait up until 60 days not only for this to take it's course but I asked her to answer questions in my original dispute that Citi never answered in their completed response to my dispute they emailed me this morning. She couldn't provide me answer 's as to why my if you are providing data to the agencies and they all reflect your data, then why are all three reports coming back with different information even after their re-investigations and the few updates they did make to my account. I asked about not reflecting the payments I made on the reports but only shows my suggested and balance amounts. Citi 's so called investigation did not comment on this. They however did send statements that reflect what I said is true and that I made payments... again not showing on my credit reports. it still shows {$0.00} and one of the credit agencies just wiped off the XXXX and put a XXXX or XXXX in place instead of updating. It is in the documents I'll provide. So since I had unanswered questions that their response or XXXX over the phone couldn't answer I asked to speak to her superior or someone who could answer this. She said no, I'd have to wait up to 60 days for someone to get back to me from some other division and that she would just submit another dispute for me. She said I do not need to provide any information or documents, if they are needed they will ask for it when they get back to me. Well I am sending documents anyways to prove my credit reports are inaccurate, and have been re investigated now twice and been made even more inaccurate. I don't see how this is legal after not making proper corrections and making the correct information show now inaccurate, and continuously doing so. The information on this account can not be made to be accurate and after numerous attempts you still fail me and my consumer rights to have a fair and accurate credit report. That's all I wanted and asked for in my first dispute with the agencies, now I demand immediate removal. Citi and the agencies have failed over and over while I pay the price for all your negligence. \nI will send my updated reports from today that I bought with myfico and free information obtained through annualcreditreport. I have a monthly subscription with myfico since XXXX and I received multiple alerts of credit report changes and updates from you all updating this account and what you are updating along the way. It really shows how unfair and discriminatory your practices have been along with the trail of verifications and dismissing of my disputes to remove or make accurate. You all have tried multiple times to make this account show accurate amongst the agencies and Citi and failed over and over. This has to be removed now. I expect Citi to do what Citi has been doing, keep violating me and my FCRA rights. So when this comes back wrong again and said to be accurate, or updated with frivolous information I will cease communications and take this in front of a judge or however it works. Citi for their furnishing and unwillingness to comply with the accuracy of my account and after not making it accurate, not removing this account all together. The credit agencies for knowingly leaving false info on my report because the original creditor said so even though they can see the clear distinctions on their reports after I submitted prove. Balls in your courts as usual, I assume to see you in court. When I receive your completed response of nonsense, my lawyer will be in touch. God bless.","date_sent_to_company":"2024-05-24T22:56:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19111","tags":null,"has_narrative":true,"complaint_id":"9088934","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-05-24T22:56:29.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["So since I had <em>unanswered</em> <em>questions</em> that their response or XXXX over the phone couldn't answer I asked to speak to her superior or someone who could answer this. She said no, I'd have to wait up to 60 days for someone to get back to me from some other division and that she would just submit another dispute for me. She said I do not need to provide any information or documents, if they are needed they will ask for it when they get back to me."]},"sort":[8.75408,"9088934"]},{"_index":"complaint-public-v1","_id":"9088924","_score":8.75408,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is in reference to an account on my credit report, XXXX XXXX. This is my third dispute with the credit agencies ( XXXX, XXXX and TU ) and technically my third with XXXX XXXX who I spoke with earlier today ( XX/XX/XXXX ) and their specialist ( XXXX ) put through a dispute on my behalf. That was due to my dissatisfaction of their response to my original dispute, and now this one makes three. \n\nSo between the back and forth with the agencies after their re-investigations and them updating certain info on my report by deleting them instead of making them accurate because they couldn't prove it like TU erased most of my info instead of updating it and XXXX changing my charge off date to XX/XX/XXXX when it was originally XX/XX/XXXX which was accurate at the time. They have my account in good and OK status all the way up until this year as if there were no delinquency until XX/XX/XXXX when I actually paid off the charge off. This was done after they first reinvestigated my dispute and verified it accurate and then on their second reinvestigation this was the action they made. Is that not unlawful to change accurate information on my credit report and make it false, then say it's right and I'm wrong and continue to have that displayed on my report? Is it right that XXXX gave them the data and furnished this inaccurate information to them and again after I dispute with them they say everything IS CORRECT and they will not allow a change to the account. \n\nThe agencies keep telling me to wait until my credit report updates in 30 to 60 days before I can dispute again. They said it's not final yet. If you send me secure emails telling me my dispute is complete and I open it and it says complete, then its complete now. I'm not waiting 30 days let alone 3 if you decide to keep falsifying my credit reports with inaccurate information. FCRA laws protect me from you damaging my consumer identity with falsities especially after I brought them to your attention and provided documents to show. I talked with your agents over secure phone lines and told them exactly what was wrong and as they look at the side by side proof I sent through the CFPB complaints, they said it's still accurate and kept it verified and again sent me to deal with this with XXXX. \n\nSo earlier today talking with XXXX she iterated more of the same, I have to wait up until 60 days not only for this to take it's course but I asked her to answer questions in my original dispute that XXXX never answered in their completed response to my dispute they emailed me this morning. She couldn't provide me answer 's as to why my if you are providing data to the agencies and they all reflect your data, then why are all three reports coming back with different information even after their re-investigations and the few updates they did make to my account. I asked about not reflecting the payments I made on the reports but only shows my suggested and balance amounts. XXXX 's so called investigation did not comment on this. They however did send statements that reflect what I said is true and that I made payments... again not showing on my credit reports. it still shows {$0.00} and one of the credit agencies just wiped off the XXXX  and put a XXXX  or -- in place instead of updating. It is in the documents I'll provide. So since I had unanswered questions that their response or XXXX over the phone couldn't answer I asked to speak to her superior or someone who could answer this. She said no, I'd have to wait up to 60 days for someone to get back to me from some other division and that she would just submit another dispute for me. She said I do not need to provide any information or documents, if they are needed they will ask for it when they get back to me. Well I am sending documents anyways to prove my credit reports are inaccurate, and have been re investigated now twice and been made even more inaccurate. I don't see how this is legal after not making proper corrections and making the correct information show now inaccurate, and continuously doing so. The information on this account can not be made to be accurate and after numerous attempts you still fail me and my consumer rights to have a fair and accurate credit report. That's all I wanted and asked for in my first dispute with the agencies, now I demand immediate removal. XXXX and the agencies have failed over and over while I pay the price for all your negligence. \nI will send my updated reports from today that I bought with XXXX  and free information obtained through annualcreditreport. I have a monthly subscription with XXXX since XXXX and I received multiple alerts of credit report changes and updates from you all updating this account and what you are updating along the way. It really shows how unfair and discriminatory your practices have been along with the trail of verifications and dismissing of my disputes to remove or make accurate. You all have tried multiple times to make this account show accurate amongst the agencies and XXXX and failed over and over. This has to be removed now. I expect XXXX to do what XXXX has been doing, keep violating me and my FCRA rights. So when this comes back wrong again and said to be accurate, or updated with frivolous information I will cease communications and take this in front of a judge or however it works. XXXX for their furnishing and unwillingness to comply with the accuracy of my account and after not making it accurate, not removing this account all together. The credit agencies for knowingly leaving false info on my report because the original creditor said so even though they can see the clear distinctions on their reports after I submitted prove. Balls in your courts as usual, I assume to see you in court. When I receive your completed response of nonsense, my lawyer will be in touch. XXXX bless.","date_sent_to_company":"2024-05-24T23:04:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19111","tags":null,"has_narrative":true,"complaint_id":"9088924","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-24T22:57:20.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["So since I had <em>unanswered</em> <em>questions</em> that their response or XXXX over the phone couldn't answer I asked to speak to her superior or someone who could answer this. She said no, I'd have to wait up to 60 days for someone to get back to me from some other division and that she would just submit another dispute for me. She said I do not need to provide any information or documents, if they are needed they will ask for it when they get back to me."]},"sort":[8.75408,"9088924"]},{"_index":"complaint-public-v1","_id":"4089127","_score":8.323828,"_source":{"product":"Mortgage","complaint_what_happened":"COMPANY 'S INTERIM RESPONSE We've been unable to establish contact with our customer. We'll need additional time to ensure we fully address all of the concerns brought to our attention and provide a thorough response. We appreciate your patience as we finalize our research. \n\nCompany 's Response Thank you for the opportunity to address the concerns about our previous responses, communication, and a further request for restitution. We've reviewed your concerns, and are providing you with details in our response. Here are important account details we'd like you to know. In our response, we have detailed that we have previously answered your concerns in our prior responses that we sent you. We have declined your request for further restitution. We wanted to speak with you directly about our resolution, but did not further contact you via phone from your request. We've attached a copy of our response letter. \n\nOnce again, Wells Fargo lies! First, you keep reporting back to CFPB to say you need more time and you come back with the same XXXX response. I guess the employees are too lazy to do an actual investigation but need more time to do it. You then say you were unable to establish contact with our customer and We wanted to speak with you directly about our resolution, but did not further contact you via phone from your request. You clowns did call me multiple times since I filed this current complaint and I did not answer when I saw it was from Wells Fargo. You chose not to leave a message. \n\nSince you do not read attachments, here is a copy of the email that I sent to your board of directors and XXXX XXXX : Please ask your XXXX employees to stop calling my house and saying nothing. You have already mastered that art in your responses to CFPB. The call came from XXXX. After I sent the email, some clown did leave a message. Either reading is not fundamental at Wells Fargo or you just like making stuff up. None the less, I will attach the email I sent. \n\nNow for your XXXX responses : As a military member, your service matters to us and our country. Thank you for the opportunity to address your concerns. I want you to know I'm here to help. I want to make sure you have the information you need. \n\n- Im not even going to say much about this. Part of crimes against your customers have been also been against military members so save your patriotic XXXX! \n\nWe've determined your concerns were previously addressed by us, and we didn't find you had enclosed any new information or significantly different details which would change our response. \n\nFirst of all, you address what you want to address. You have been very consistent in saying things like we have declined your request for further restitution but when I ask what your remedy is for continued bad customer service, you ignore the question. Second, the reason why you dont see new information is because my question ( s ) /concern ( s ) remained unanswered. You can keep saying you did not or do not discriminate against people that look like me but there are lawsuits filed against you that say otherwise. You have provided nothing to prove that you didnt discriminate in my situation but expect me to believe you based on your scandalous history. \n\nAs I have customarily done, I provide you with even MORE bad Wells Fargo news. Following that will be a repeat of my previous complaint. \nhttps : XXXX More than four years after the Wells Fargo ( WFC ) fake-accounts scandal erupted, the bank reported Friday another {$320.00} XXXX of quarterly losses tied to customer refunds. That brings Wells Fargo 's XXXX total for what it calls customer \" remediation '' to a staggering {$2.00} XXXX. \n\nWells Fargo did not specify which of its many scandals were responsible for the latest refunds, which bank executives had previously suggested were in the rearview mirror. Instead, the bank said the money is \" primarily for a variety of historical matters. '' That could include anything from the XXXX  of fake accounts Wells Fargo admitted to opening, to forcing customers to pay for unneeded auto insurance or charging unnecessary mortgage fees. \n\nThe losses underscore how Wells Fargo is still being dogged by what the Federal Reserve has called \" widespread customer abuse. '' XXXX : XXXX WASHINGTON ( Reuters ) - A U.S. bank regulator has fined Wells Fargos former general counsel, XXXX XXXX XXXX {$3.00} XXXX  for his role in the banks wide-ranging sales scandal. \n\nThe fine, announced Friday by the Office of the Comptroller of the Currency, is part of a settlement struck between XXXX and the government. \n\nXXXX was one of eight former senior bank executives charged by the OCC one year ago for their roles in the banks multi-year sales practices scandal. \n\nNormally when a person is accused of wrong doing, they not only said they are innocent, they will also be willing to provide evidence that supports their innocence. Sometimes a person will dismiss an accusation of wrong doing because they know they are guilty and they do not care. Sometimes a person will dismiss an accusation of wrong doing because they actually are innocent. If a man with no arms is accused of armed robbery, he may not offer much attention to the accusation. \n\nWells Fargo has decided to insist they have done nothing wrong in my situation when it has a history of nothing but wrong doing. When I raised a question on the interest rates I was offered me, Wells Fargo says they did nothing wrong. In fact, your latest response states : We're committed to equal and fair treatment of all our customers. We originate loans and service our accounts in accordance with all account documents and standard servicing practices. We also follow all applicable fair lending laws and regulations. These prohibit discrimination on many prohibited bases ; including race, color, religion, national origin, gender or gender identity, marital status, familial status, sexual orientation, age, disability, or receipt of public assistance income. We've reviewed your concern and, respectfully, found no indication of unlawful discrimination. The inquiry has made several allegations about our servicing of this account. We follow all applicable Federal and State regulations when servicing accounts and respectfully deny the allegations. \n\nIf Wells Fargo was never accused of discrimination or wrong doing, the response above could perhaps stand on its own legs. Unfortunately, Wells Fargo has a long history of discrimination and wrong doing so just saying you did nothing wrong holds no water! You never provide data to support your claims but have repeated them over and over again. In fact, Wells Fargo has done this with many of the claims I have submitted. You have even to ask me to provide information to prove my claims when you hold all the evidence. \n\nJust keep repeating the same thing over and over again and just hope I will believe it. That way of thinking is main cause of what happened in Washington D.C. today. Had it not been for the pandemic, I would have been at work today within walking distance from the XXXX  attack on the U.S. Capitol Building. I watched on the news as XXXX  XXXX  streamed past the building I would have been in. Saying the same thing over and over again does not make it true! \n\nWhen I pointed to statements by XXXX XXXX and provided a copy of his email, Wells Fargo continuously ignored even making mention of it. Some so called manager even asked what email when I mentioned it. Wells Fargo finally decided to mention XXXX name and suggest what he said was incorrect. You can continue to avoid seriously addressing my concerns and I will continue to file complaints. I will continue to file the same thing over and over again and you can continue to lie again. \n\nYou also have not offered any resolutions other than repeating that you are not a crook. Most reputable companies will acknowledge the poor treatment of their customers, offer a real resolution and refrain from the behavior that caused the the incident to happen. You continue to talk about the {$200.00} you send me as compensation but you fail to acknowledge that things continued to get worse as time went on. You continued to lie, steal and cheat your way through the last few months without a XXXX care in the world. \n\nI now leave you with a collection of your greatest hits : WF was SUED : XXXX, XXXX ( XXXX ) - Wells Fargo & Co agreed to pay {$170.00} XXXX  to resolve allegations it charged XXXX-Americans and XXXX higher rates and fees on mortgages even when they qualified for better deals during the housing boom, the U.S. Justice Department said on Thursday. \n\nWells Fargo Bank has agreed to pay {$7.00} XXXX  in back wages and interest to resolve allegations of hiring discrimination. The U.S. Department of Labors said it has entered into an agreement with the financial institution over charges that Wells Fargo discriminated against XXXX XXXX American applicants for banking, customer sales and service, and administrative support positions at U.S. locations nationwide and against 308 female applicants for administrative support positions. ( XXXX XXXX XXXX ) Despite your claims suggesting that you arent crooks or have not done anything wrong, these stories still come up : https : XXXX XXXX developer XXXX XXXX has filed a class-action lawsuit against Wells Fargo accusing the bank of racial discrimination when it prevented him from depositing a {$3.00} XXXX  check at a branch in XXXX. In XXXX, Wells Fargo has faced allegations of racism and discrimination before. The bank agreed to pay the city {$7.00} XXXX  in XXXX to resolve a federal lawsuit alleging Wells Fargo 's lending practices led to a glut of foreclosed homes. The agreement was announced as Wells Fargo agreed to a {$170.00} XXXX  settlement with the U.S. Department of Justice to resolve allegations that it discriminated against XXXX and XXXX mortgage borrowers from XXXX through XXXX. \nhttps : XXXX Ms. XXXX lawyer , XXXX XXXX , said her client had not used profanity. Wells Fargo is in possession of the video surveillance showing exactly what happened in the branch that morning, he said. The video will not support Wells Fargos lies. A banker did a corporate records search and found Mr. XXXX other business, a record label. Mr. XXXX tried to direct the employee to the records for his law firm instead. Eventually, the branch manager got involved. He sat down across from Mr. XXXX and watched him enter information, including his Social Security number, into a keypad. Then, the man uttered the XXXX-XXXX. He just said it clear as day, no mistake, Mr. XXXX said. \n\nMy jaw just dropped, I dropped the pen, there was silence, he kind of looked at me, I said : Did you really just say that? Mr. XXXX said the man had immediately begun to protest, saying that he had not meant to use the word, and that he was deeply sorry. Mr. XXXX did not buy it. He got up and left. The manager followed him to his car, apologizing profusely, and resigned from the bank shortly afterward. I felt like I had a knife in my gut, Mr. XXXX said. Its a sickening word. Mr. XXXX turned to Mr. XXXX, who wrote to Wells Fargo seeking an apology. \n\nThe banks regional president, XXXX XXXX, responded. It seems that the utterance of the offensive term was unintentional, Mr.  XXXX wrote, but said the bank had taken corrective action against the branch manager anyway, without providing details. Ms. XXXX of Wells Fargo said the manager was deemed ineligible for any job with the bank. Mr. XXXX sued Wells Fargo in federal court in Florida on XX/XX/XXXX. These stories were posted over the last six months.","date_sent_to_company":"2021-01-23T23:14:10.000Z","issue":"Closing on a mortgage","sub_product":"VA mortgage","zip_code":"208XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4089127","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-01-23T23:09:49.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["First of all, you address what you <em>want</em> to address. You have been very consistent in saying things like we have declined your request for further restitution but when I ask what your remedy is for continued bad customer service, you ignore the <em>question</em>. Second, the reason why you dont see new information is because my <em>question</em> ( s ) /concern ( s ) remained <em>unanswered</em>."]},"sort":[8.323828,"4089127"]},{"_index":"complaint-public-v1","_id":"8713279","_score":7.186296,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I had been applying for auto loans from several different institutions for the past months using the internet and phone. On Thursday, XX/XX/2024 at XXXX XXXX. I received a call from an individual who identified himself as XXXX XXXX from Lending Tree and congratulated me because my request for a loan of XXXX dollars had been approved. He continued by stating that the loan was for XXXX  months at XXXX. He then asked if I requested this loan. I stated that I had the day prior. I was elated but concerned because I had just finished dealing with a group that stated they were from another loan agency for XXXX dollars but they were asking for advanced fees and had a difficult time keeping their stories straight. I wrote down all the information from that contact and intended to report them when XXXX XXXX called. \nXXXX XXXX what I needed the loan for. I informed him that I needed the loan for a car so I could spend some valuable time with my daughters. He stated he had to get final approval and that he would call me back later. \nAt XXXX XXXX ( same date ) XXXX XXXX called back to verify my information on the application. He asked for my date of birth, address, and the last XXXX numbers of my social security number. He informed me of the steps of the loan. those steps where the bank would deposit funds into my account to verify my account and then the funds would be recovered by his institution at which time the XXXX dollars would be deposited to my account. I then asked about the paperwork and my signing the paperwork. He then informed me that he would e-mail it to me and then asked me to confirm my e-mail address. This conversation was concluded. I received XXXX further phone calls requesting more information. Those calls were aXXXX XXXX XXXX and XXXXXXXX XXXX. On the latter call, he informed me he would call me tomorrow morning to inform me of the next step. \nAt XXXXXXXX XXXX on the morning of XX/XX/2024, I called XXXX XXXX to ensure he didn't need any more information because I was excited about having the means to purchase a vehicle. XXXX XXXX informed me he would be in a meeting, and to call him in about an hour. At XXXX XXXX I called XXXX XXXX. He asked If My checking account was ready to receive a deposit I told him I was. My checking account was closed by me about XXXX weeks prior due to suspicious activity but I had forgotten that. After concluding this phone call I called my bank and asked to reopen the checking account and was advised to leave it closed to ensure it doesn't happen again. I agreed. \nAt XXXX XXXX Friday I called XXXX XXXX and informed him of the complication with my checking account. XXXX XXXX asked if I had another checking account. I explained to him that I didn't but I had just opened a XXXX account. XXXX XXXX informed me he couldn't use XXXX because it wasn't a banking institution. I told him I had a checking account for my retirement account but it wasn't a bank. We agreed to use my savings account but he would need approval. At XXXXXXXX XXXX  XXXX XXXX called to inform me that we would use my savings account. He then asked what the answer was to one of my validation questions so They could make the deposit. With some apprehension, I gave him the answer. He told me they were having problems getting into my account. He told me to stay on the line while he tried again. When he came on again he said they were unsuccessful. and asked me to contact my bank to see if I could get this resolved. \nI contacted the bank and learned XXXX XXXX would have to use a different log in address. At XXXX I called XXXX XXXX and instructed him on how to log in to my bank. At XXXX he called me back and stated the login was affirmed and they would go ahead with the deposit. I asked him again for the paperwork and he assured me he would find out what was going on. At XXXXXXXX XXXX  XXXX XXXX called to confirm all the information I had given him previously. He further asked if we had a XXXX in XXXX. I told him we did about XXXX miles from here. He asked if I could go there. I explained that I didn't have a vehicle and asked why. He stammered around as he said that after I withdrew the deposited funds I would have to go to XXXX to XXXX XXXX XXXX XXXX and send back the funds. I questioned him and asked why he couldn't just get the funds back from the bank like everyone else had in the past. He told me not to ask questions and listen. I explained to him that I wasn't about to walk out there and we had no taxi. He asked if we had a XXXX XXXX or XXXX XXXX. I stated we did but I wasn't walking there either. Very frustrated, he asked if we had a XXXX. I said we did about XXXX blocks from here. He very quickly instructed me to get up before the bank opened, ( which was at XXXX XXXX  Saturday the XXXX ) and go withdraw the {$920.00} dollars and then go to XXXX at which point I am to call him for further instructions. He asked if I understood. I said yes. Before I could ask for the paperwork he hung up. \nAt XXXXXXXX XXXX Saturday, XX/XX/XXXX I woke and right away logged onto my bank account to see if {$920.00} had been deposited which I saw they had been. At XXXX XXXX \nXXXX XXXX called and asked if I was dressed and ready to go to the bank. I informed him I would be there at XXXX. At XXXXXXXX XXXX. I withdrew {$400.00} dollars from the ATM then walked up to the drive-thru to withdraw the remaining {$520.00}. At XXXX XXXX XXXX called to see if I had the funds. I informed him I had. He then told me to call him when I got to XXXX. he called again at XXXX but I didn't answer. I had stopped to rest because my back was cramping up really badly. At XXXX XXXX called again. At this time he instructed me to go purchase XXXX XXXX cards, XXXX for {$300.00} and XXXX for {$320.00}. At this time I was certain it was a scam and harshly informed XXXX of this and I hung up and headed to my apartment. At XXXX a.m. I called XXXX XXXX and asked him the purpose of the cards and they only had XXXX cards there and hung up. XXXX attempted to call me at XXXX, XXXX, and XXXX XXXX I finally called him at XXXXXXXX XXXX from my apartment and informed every intention of notifying Law Enforcement, local and Federal. By now I was in a rage and informed him of my thoughts of him and hung up. \nFrom XXXX XXXX to XXXX XXXX XXXX attempted to call me XXXX times. At XXXX he called and I answered and told him to quit calling me. Again at XXXX he called back and informed me I was in violation of a contract and he was going to sue me. I stated that was laughable whereas he was committing a crime and to sue me he would have to appear in court and confront me which would not be favorable for him because if he wasn't in jail then he would be. I stated I didn't want his money because it was ill-gotten gains and I would return it Monday afternoon as long as it was okay with Law Enforcement. At XXXX He called and asked about the money, I just hung up. At XXXX I called him to reiterate that I would return his funds on Monday as long as Law Enforcement agreed. He called again at XXXX and uttered something I could not understand. He was obviously angry. \nAt XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX. he would attempt unanswered calls. I finally blocked his number. I called my bank about XXXX Saturday and inquired about where the deposit came from and was informed it was XXXX XXXX XXXX. XXXX said he was from North Carolina but at the New York Office where the calls were from. \nXXXX XXXX XXXX","date_sent_to_company":"2024-04-07T04:09:26.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"68901","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"8713279","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Home Loan Center, Inc.","date_received":"2024-04-06T23:34:21.000Z","state":"NE","company_public_response":null,"sub_issue":"Problem with signing the paperwork"},"highlight":{"complaint_what_happened":["I <em>questioned</em> him and asked why he couldn't just get the funds back from the bank like everyone else had in the past. He told me not to ask <em>questions</em> and listen. I explained to him that I wasn't about to walk out there and we had no taxi. He asked if we had a XXXX XXXX or XXXX XXXX. I stated we did but I wasn't walking there either. Very frustrated, he asked if we had a XXXX. I said we did about XXXX blocks from here."]},"sort":[7.186296,"8713279"]},{"_index":"complaint-public-v1","_id":"4474243","_score":7.112584,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Todays date : Friday, XX/XX/XXXX XXXX XXXX, XXXX, My XXXX daughters, and I went to XXXX XXXX, XXXX XXXX, XXXX XXXX, Texas XXXX. I was a customer since XXXX. XXXX XXXX for a XXXX XXXX XXXX XXXX =VIN # XXXX ; Texas plates # XXXX, monthly payments set at {$290.00} ; however, payments were made over that set amount for three years. XXXX XXXX for a XXXX  XXXX XXXX XXXX, VIN # XXXX ; Texas plates # XXXX, and monthly payments set at {$290.00} ; however, payments were made over that set amount for three years. Upon taking the vehicles for their second scheduled maintenance ( about a year later ) on separate days, we discovered that the license plates for the XXXX  XXXX belonged to the blue vehicle and vice versa ( pages 7-8 ). It shed light that XXXX XXXX was really under the blue vehicle, rather than the red, and XXXX XXXX  was really under the red vehicle, rather than the blue. In short, after trying to remedy all the confusing, the finance person who did the paperwork rudely told us to exit his office and stated that it didnt matter if the records/contracts were wrong because the girls were sisters, lived in the same house, and stated that, XXXX XXXX XXXX XXXX was the owner of the vehicles anyway. It was an offensive response. The maintenance reports were eventually changed to reflect XXXX on the XXXX  XXXX ( page 8 ) as known she was the lessee of the red vehicle. After a plethora of evidentiary and well-noted attempts to have XXXX XXXX fix the contracts, I sought the XXXX  to get XXXX XXXX to fix the contracts. XXXX XXXX told me we needed to wait until the leasing maturity date, XXXX XXXX, XXXX, so they s could fix the contracts. I didnt agree, but they remained adamant about their decision. Reasonably, the chaos affected the payments, and theres plenty of record of that. Moving forward XXXX XXXX, XXXX a voicemail from a XXXX XXXX , XXXX coordinator, as he identified himself, left a message stating that on XX/XX/XXXX, XXXX received the last payment of {$390.00} for the ( unspecified ) XXXX. Moving forward XXXX XXXX, XXXX, although we argued and showed using my daughters cell that today was the day we needed to return the vehicles, Sales Manager Mr. XXXX XXXX alleged we were early, alleged that the maturity date was XXXX XXXX, XXXX, trying to contradict our proof. I asked he give it to me in writing, and he handed me a paper. I told Mr. XXXX XXXX, a car salesman who Mr. XXXX XXXX called upon, that he was a witness to what Mr. XXXX XXXX was alleging. Mr. XXXX XXXX added that if we returned the vehicles on this day that we were required to pay roughly about {$550.00} for each car alleging early termination. We were/are in a global pandemic, and Mr. XXXX XXXX refused to call Nissan Infinity/ NMAC ( Nissan Motor Acceptance Corporation ) to verify the maturity date even though we showed him the proof. Nonetheless, Mr. XXXX XXXX stated XXXX would receive a {$300.00} refund for over-payment on the XXXX  XXXX. \nOn a separate occasion from XXXX XXXX, XXXX, Nissan Infinity/NMAC verified both accounts were complete, in good standing, and that XXXX would receive a {$300.00} refund through the mail for overpaying on the XXXX  XXXX. Moving forward XXXX XXXX, XXXX, a XXXX XXXX application for the red XXXX XXXX XXXX was drawn up. Mr. XXXX XXXX placed my name as if I wanted to be the buyer, which I was not in agreement. Why not use the real lessees name to sell her the vehicle she had been paying for? Frustrated and stressed, I questioned Mr. XXXX XXXX why he was also changing the mileage- XXXX difference between the XXXX and the XXXX  XXXX application. His response was far-fetched, so I requested he give me a copy with his original signature on it. I also questioned why he didnt write the truth that XXXX complied having the red vehicle for 3 years, as he wrote 2 years and 11 months, and suggesting on the XXXX XXXX application that the XXXX  XXXX was being sold from the lot when it wasnt. It is reasonable to state that Mr. XXXX XXXX wanted to continue alleging XXXX returned the red lease a month early. He did not want to fix the records that XXXX had been the lessee all the while. XXXX XXXX had previously alleged they would fix the contracts upon the maturity date, XXXX XXXX, XXXX, but they didnt. \nXXXX XXXX, XXXX, other management in the front office with another salesman, and XXXX XXXX re-appraised the blue XXXX XXXX for the second time since XXXX XXXX, XXXX ( Residual Value {$10.00}, XXXX, page 7 ). This management also went along with the charade that the maturity date was XXXX XXXX, XXXX ( compare page 7 with 9 ), and alleged an early termination fee of exactly {$540.00} ( page 7 ). Although the document shows XXXXs name on it, they didnt direct their dialogue to her, as known, XXXX was not the real lessee of the XXXX  XXXX XXXX as alleged on their XXXX lease contract that they were supposed to fix no later than XXXX XXXX, XXXX. On this same evening, Mr. XXXX XXXX approached me outside of the building. He became very aggressive and spoke irrationally. Not only did Mr. XXXX state that the XXXX  XXXX application had not been processed/submitted, he alleged very alarmingly that XXXX XXXX was going to repossess the XXXX  XXXX. He said a tow-truck would be picking up the vehicle from my home. To end his dialogue, I told Mr. XXXX to cancel the unprocessed XXXX XXXX application ( this harassment was a breaking point ) and that I would deliver the XXXX myself. I assured him there was no need for a tow-truck. Ultimately, at the end of this late evening, XXXX XXXX management and the other salesperson had no other option but to honestly accept the XXXX  XXXX XXXX on this day. After leaving, I called my then XXXX XXXX  ( about XXXX XXXX and spoke to a XXXX XXXX ) to remove the XXXX XXXX and my daughter, XXXX, from the policy. The XXXX calls are recorded for quality assurance. ( Note : I did not allegedly go and just toss the keys to any vehicle as later alleged by Mr. XXXX in an email. Note : Email of XX/XX/XXXX : 5 months later ) XXXX XXXX, XXXX, Per the XXXX XXXX website itself, no loan application. \nXX/XX/XXXXXX/XX/XXXX, Still, as of latter of XXXX XXXX, XXXX, no loan application appeared. XXXX XXXX people, management, and including Mr. XXXX re-verified ( and in writing ) that no XXXX XXXX, XXXX, XXXX XXXX contract was in place. XXXX XXXX management had the XXXX  XXXX in their possession by this time, but Mr. XXXX desperately kept texting on XXXX XXXX, XXXX. He texted asserting they were going to drop off the vehicle at my home. I told him he was not allowed on my property. He wrote back, I will leave it by the curb. He claimed his manager was aware. I advised I would not be responsible, that it would be an abandoned vehicle, that XXXX XXXX had inspected the vehicles and had possession of them, Nissan Infinity was aware we would return the vehicles at XXXX XXXX, that XXXX XXXX, XXXX was the real maturity date, that they were trying to force sales upon us, that the next day was the XXXX -the date they were trying to allege the cars were due when they know that not to be true, that I would call the news and show them the paper work and how the license plates were changed, that the mileage was being reported incorrectly, that we had the cars for XXXX years yet they were not reporting that, that they had too many lies, and finally that we paid with great sacrifice, that it wasnt cheap, and now that they were trying to take advantage of us. Mr. XXXX did not respond to my text message after that. \nThereafter, I kept receiving letters ( more than once ) alleging that I had not returned the vehicles or anything of the matter. I called Nissan Infinity/NMAC and they said XXXX XXXX had yet to report on the leases. My emails to XXXX XXXX and affiliates questioning the vehicles went ignored. Reasonably, the stressful situation was not conducive to my well-being. \nXXXX XXXX, XXXX Mr. XXXX XXXX XXXX XXXX , from finance, texted to please call him. \nXXXX XXXX, XXXX I returned his text message with an email. He responded through text, Is this the same email you sent to XXXX XXXX, one of the Sales managers at XXXX XXXX? I confirmed stating I needed answers to my questions. Mr. XXXX XXXX XXXX texted he would get back to me, but he did not. \nXXXX XXXX, XXXX a XXXX XXXX car loan appeared on my credit report. Overwhelmed and stunned, I emailed again to no avail. The following shows one of the emails I sent. \n\n-- -- -- -- From : XXXX ( XXXX ) To : XXXX ; XXXX ; XXXX ; XXXX Date : Tuesday, XX/XX/XXXX, XXXX XXXX MST I still see the XXXX XXXX XXXX XXXX on my credit report. You are still trying to force a sale. Send me what you sent XXXX XXXX demonstrating the date. I have the right to know. In addition, I have yet to receive the answers to the previous emails I sent you all of which I am entitled to receive since you reported that on my credit report. On XX/XX/XXXX, I told Mr. XXXX XXXX in person to cancel the contract as he became very aggressive. On XX/XX/XXXX, my daughter and I made it known to Mr. XXXX XXXX to cancel/ void the contract of XX/XX/XXXX. Mr. XXXX responded there was no contract to cancel. Send me the information that I requested. I am requesting arbitration before you steal the vehicle as I feel that is what you are trying to do. I received several messages that we have not turned in the vehicles when we had, etc ... that is why I sent my emails. I also have video that we did turn in the vehicles in case you try to allege that I kept them. You have video as well, as the business has surveillance. Send the requested information. In addition, if all is legal, you will not object to sending me what I previously requested from Nissan Motor Corporation that answered you all have that information. \n\nA copy of the records in entirety as follows : 1. Showing the leasing status of both vehicles as of XX/XX/XXXX 2. Showing the leasing status of both vehicles as of XX/XX/XXXX 3. Showing the leasing status of both vehicles as of XX/XX/XXXX 4. Showing the leasing status of both vehicles as of XX/XX/XXXX 5. Showing the leasing status of both vehicles as of XX/XX/XXXX 6. Showing the leasing status of both vehicles as of XX/XX/XXXX 7. Showing the leasing status of both vehicles as of XX/XX/XXXX 8. Showing the leasing status of both vehicles as of XX/XX/XXXX 9. Showing the leasing status of both vehicles as of XX/XX/XXXX 10. Showing the leasing status of both vehicles as of XX/XX/XXXX 11. Showing the leasing status of both vehicles after XX/XX/XXXX to the present. \n12. Showing when XXXX XXXX reported having received/ possession of the leased vehicles with the mileage of each respectively. \n\nYou should be able to send me this information today. \nXXXX XXXX -- -- -- -- -- My emails went unanswered. I continued to get letters that we had yet to return the vehicles when XXXX XXXX already had the vehicles in their possession. The situation took a stronger toll on my health. I decided to finally file a report with the XXXX XXXX XXXX to find some type of relief. \n\nXX/XX/XXXX, I submitted my complaint to the local XXXX XXXX XXXX reference XXXX XXXX : inaccurate credit reports, an unwarranted car loan application ( XXXX  XXXX ) forced by XXXX XXXX, and stemming from our loan experience dealing with two XXXX XXXX XXXX leases from XXXX XXXX, XXXX wherein they never corrected their XXXX contracts at the end of the maturity date, XX/XX/XXXX, like they said they would. XXXX XXXX representatives responded, Respondent agrees that Consumer is being reasonable and fair, and the Company desires to resolve this as soon as possible to relieve the stress of this transaction and make things right. To finally accept, I replied to their responses as follows, In light of everything, the following five items deserve merit : 1 ). Respondent will request that the credit reporting agencies remove the inquiry submitted to XXXX XXXX that is currently showing on the Consumer 's and her daughter 's credit reports- Yes, remove all inquiries from my credit report and my daughter XXXX credit reports ; ( 2 ). Respondent will unwind the refinance/purchase that took place in XXXX I do not know what unwind means in financial terms, and I do not want to assume. What I understand is yes, remove the XXXX XXXX application/contract as no loan should appear whatsoever ; ( 3 ). Respondent will ground the two leased vehicles and complete the return process- I do not know what ground means, but yes, the two leased vehicles were turned in a long time ago, in good condition, and I want a copy that the return process is complete on both leased vehicles ; ( 4 ). Respondent should remove all negative claiming late payments from the credit reports in entirety from both of my daughters ( XXXX  and XXXX  ) to include myself. It should reflect as good standing. In support as to why all this negative should be removed from our reports is that I did not receive the following records as I requested on several occasions which are very pertinent and the nucleus above all. As Mr. XXXX wrote, We will diligently pursue the removal of inquiries and potential negative information. I feel confident that we will resolve this to your satisfaction. \n\nI concluded that since Mr. XXXX kindly wrote, We will diligently pursue the removal of inquiries and potential negative information. I feel confident that we will resolve this to your satisfaction that I was accepting. XXXX XXXX accepted my final resolution as on the XXXX  report illustrates, no rebuttal to my final more than reasonable resolution. \n\nXX/XX/XXXX, Mr. XXXX XXXX, XXXX XXXX Director, wrote, \" We are working to get you all the information you are requesting, my question is if you still wanted to keep the loan on the refi of the XXXX with XXXX XXXX or did you want me to call them and reverse the contract. I want to fix everything for you as soon as possible. I wrote back that there shouldnt be any loan whatsoever on our credit reports as we were completely done. \nXX/XX/XXXX I wrote to Mr. XXXX, Mr. XXXX, and Mr. XXXX as I had not heard or seen any results. I reiterated Mr. XXXX email and questioned if anyone had already called XXXX XXXX to reverse it. I also informed that my daughter had yet to receive her {$300.00} refund, questioned the status on the credit reports, and that Id appreciate they stop the marketing messages as I wasnt buying anything. \nXX/XX/XXXX, Mr. XXXX replied that the check was on its way, that hed look into the marketing, and wrote, We are working on the credit report correction and alleged he needed 2 pieces of proof of residence from me and my daughter. Baffled since it didnt make sense, I inquired with people who are very familiar with the credit reporting business ; more than one verified that the unusual request was not necessary to pursue the removal of inquiries and potential negative information as the deeds were done. They questioned, How did they report you three to the credit bureaus to begin with if they want to go that illogical route? As a result, I responded to Mr. XXXX that no more information was needed as how did XXXX XXXX do it to begin with? Why ask for more to undo whats been done already? I rationally requested Mr. XXXX to reveal what was he saying, and who he was talking to that was requesting now additional like utility bills and other photos. I questioned how that was contingent to correcting what was already done. \nRather than answer my valid questions to reach the end goal, Mr. XXXX surprised me with a distressed response that one of his managers alleged I just walked into XXXX XXXX and tossed the keys. Reasonably, I requested to know which manager made such allegation with date and time, but Mr. XXXX response kept going another direction. I still deserved an explicit explanation as to how utility bills and photos were contingent to undo what was already done. Ultimately, I still sent my residence verification statement to try to reach the end goal stating that yes, my XXXX daughters and I used to live at XXXX XXXX # XXXX, XXXX XXXX, Texas XXXX, for many years, a long time ago, that nobody else lived with us, and we never lived on XXXX XXXX either. It is obvious we no longer lived there ( as they know ). I was a XXXX XXXX customer since XXXX. I financed a brand new XXXX XXXX XXXX through Nissan Infinity/ NMAC . After paying off the XXXX, my daughters and I were able to finance the two brand new XXXX XXXX XXXX through them as well. XXXX XXXX reviewed our information again on XXXX XXXX, XXXX and on XXXX XXXX, XXXX, to include updating references. \nIn summary, XXXX XXXX did agree to my final resolution which was extremely more than reasonable, but they did not live up to the reasonable expectations/resolution ; the result was not and is not to our satisfaction. They only complied with one item -the {$300.00} refund for the XXXX  XXXX. It was sent through certified mail. It arrived and was cashed without providing any type of utility bills and/or other photos ( page 10 ) -the idea is illogical. The XXXX XXXX  was not removed. Our credit reports are still being affected, as they did not remove the alleged XXXX XXXX late payments/ potentially negative information/ alleging collections. They continue to report XXXX as still owing a last monthly payment that seems to indicate for the XXXX XXXX and that I allegedly owe {$78.00} that seems to indicate for the XXXX XXXX, but it is unverifiable. We do not owe anything, most especially as XXXX XXXX kept changing records to their advantage, they did not fix the XXXX contracts like they claimed they would do no later than XX/XX/XXXX which they never did not to mention driving around with the wrong plates, no proper credit reporting as it is unverifiable, they tried to allege a different maturity date to force sales and evade from correcting the XXXX contracts, letters claiming that the vehicles had not been returned when they already had, and making such claims during a pandemic time, the unwarranted car loan application with inconsistencies, too many things. Had we owed, they would not have refunded the {$300.00}, among other things. When I requested their history of the XXXX car payments, they did not send an official registry. They sent an XXXX spreadsheet on white typing paper without the pertinent information that belongs in a financial registry. Attaching a copy of an uncorrected XXXX contract is not verification in many ways like I wrote back informing them. That is not acceptable. In summary, there are no genuine issues of material fact herein. \nRespectfully speaking, I am not an attorney like Mr. XXXX, and I am not claiming to be one. I am a consumer and a parent looking after/advocating for my XXXX daughters, myself, and other consumers who may fall prey to such business practices. XXXX XXXX needs to answer the following questions for transparency as well. I am requesting they not imply by attaching a copy of the contracts they needed to fix no later than XX/XX/XXXX to begin with, which they created to become not lessee verifiable either : A. ) Which vehicle or vehicles is/are XXXX XXXX and its affiliates reporting and/or reported to the credit bureaus, to include allege ( d ) dates that my daughter XXXX was supposedly late on payments? Respectively, state the Vin # ( s ) next to the vehicle color ( s ) separating each entry with respective dates for transparency and to avoid any possible misrepresentations. \nB. ) Which vehicle or vehicles is/are XXXX XXXX and its affiliates reporting and/or reported to the credit bureaus, to include allege ( d ) date that my daughter XXXX supposedly owes one last payment? Respectively, state the Vin # next to the vehicle color for transparency and to avoid any possible misrepresentations. Include the alleged amount. \nC. ) Evidence shows XXXX XXXX and its affiliates are using/used XXXX and XXXXs credit for both XXXX Sentras. XXXX XXXX needs to show and explicitly state what they are using to do/done this. \nD. ) Which vehicle or vehicles is/are XXXX XXXX and its affiliates reporting and/or reported to the credit bureaus, to include allege ( d ) dates that my daughter XXXX was supposedly late on payments? Respectively, state the Vin # ( s ) next to the vehicle color ( s ) separating each entry with respective dates for transparency and to avoid any possible misrepresentations. \nE. ) Which vehicle or vehicles is/are XXXX XXXX and its affiliates reporting and/or reported to the credit bureaus, to include allege ( d ) date that I, XXXX, was supposedly late on payments? Respectively, state the Vin # ( s ) next to the vehicle color ( s ) separating each entry with respective dates for transparency and to avoid any possible misrepresentations.\n\nF. ) Which vehicle or vehicles is/are XXXX XXXX and its affiliates reporting and/or reported to the credit bureaus, to include allege ( d ) date that XXXX XXXX, supposedly owe {$78.00}? Respectively, state the Vin # next to the vehicle color with the date for transparency and to avoid any possible misrepresentations. \nG. ) Please state the purpose for the {$300.00} refund. Which vehicle or vehicles is/are CXXXX XXXX and its affiliates reporting that money under. Respectively, state the Vin # next to the vehicle color with the reason for transparency and to avoid any possible misrepresentations. \nH. ) Please provide the complete and official financial registries for both XXXX Sentras without editing and having the pertinent information identifying both vehicles respectively. Each registry should contain the respective names, the account number ( s ) associated with the respective vehicle ( s ), the vehicle information such as the respective make/model and Vin number ( s ), the color identifying the vehicle, the amounts, and dates. It needs to be transparent and to avoid any possible misinterpretations. A copy of the XXXX lessee contracts are not valid, not verifiable, as they were not fixed no later than XX/XX/XXXX to begin with. They are not lessee verifiable either as they placed/switched the names ( wrong ) on the contracts.","date_sent_to_company":"2021-07-22T19:44:15.000Z","issue":"Incorrect information on your report","sub_product":"Lease","zip_code":"79938","tags":null,"has_narrative":true,"complaint_id":"4474243","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","date_received":"2021-06-18T11:11:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["He wrote back, I will <em>leave</em> it by the curb. He claimed his manager was aware."]},"sort":[7.112584,"4474243"]},{"_index":"complaint-public-v1","_id":"3002233","_score":6.7813106,"_source":{"product":"Mortgage","complaint_what_happened":"Letter submitted to MB Customer Service : MB Customer service, At this point I went ahead and closed on the house because as my realtor, pointed out, if we signed all new documents this past Monday, it would require the sellers to have to come in and re-sign which would mean they incur additional penalties, and we were told they were not going to do that. \nAs you can imagine I am completely frustrated with the whole process of working with MB with this loan. I originally made the decision to go with MB because of good initial conversations with XXXX, the great rate I was able to lock-in as well as the {$3000.00} lender credit. One of the initial emails I received from my loan officer when I was shopping around for a lender instilled confidence in me, The home buying process at MB combines everything you would look for in a lender - great loan products with great customer service. We keep the home buying process simple so you can focus on what's really important turning your next house into the perfect hometime is everything, and we understand the necessity of a quick closing so you don't lose out on a great deal. Get started on your home loan today BUTas we got closer to the closing date, both myself and my realtor grew increasingly frustrated because of issues like how the stain in the garage ceiling and the broken window ( which was never actually broken to begin with ) were being handled. Everything seemed to drag on and when we thought we had satisfied questions or provided documents that were requested, there was always one more thing. \nRegarding the two issues ( stain on the ceiling in the garage and broken window that seemed to plague the whole process, on/about XX/XX/XXXX, I emailed MB letting her know that we had coordinated with the sellers to hire a mold inspector. I also informed her that the sellers had already hired a window repair company and the repairman found that the window was never broken and provided us a receipt dated XX/XX/XXXX which was forwarded on to MB. Because we were unsure of what was done to the window, both myself and my realtor reached out to the window company and spoke with individuals at the company and the repairman to confirm that the window was indeed never broken. \nSo by Friday, XX/XX/XXXX, MB had the receipts from the window repair company as well as the mold inspector ( inspection was performed on XX/XX/XXXX in the morning ). Both myself and my realtor emailed MB before noon querying as to the status of closing and if there were any outstanding issues that needed to be addressed. At that point I also inquired as to a list of settlement charges and when I could expect them. I never received an answer. Despite the fact that receipts were provided for the window repair and the clear mold inspection report, we were informed the underwriter was now requesting the appraiser to go back out and verify the window was fixed. Keep in mind it was never broken to begin with. This took both my realtor and I by surprise since not only were receipts provided, but an email was sent attesting to the fact that the window was never broken. In order to expedite the process, I even provided the name and contact info of the repairman so MB or the appraiser could contact that individual to verify what was done. Both my realtor and I offered to go out and take photos and provide those if that would have helped. My realtor expressed that the appraiser needed to get their actions done by Friday XX/XX/XXXX or first thing Monday XX/XX/XXXX in order to keep things on schedule. \nOn Monday, XX/XX/XXXX my realtor finally was able to get in touch with the appraiser and speak with him and provide him all the info he required so he could draft a report to MB indicating that no further inspection was required. Sometime around XXXX pm XXXX, per the appraisal company, the appraisers report was uploaded to the VA portal. Unfortunately, both my realtor and I were informed by MB around noontime EST that closing would not happen on XX/XX/XXXX and it was now delayed to Thursday XXXX. My big question is why did MB not coordinate with the appraiser back on Wednesday XX/XX/XXXX or Thursday XX/XX/XXXX to go out and do the re-inspection or at least draft the report? I received an email from MB on Wednesday XX/XX/XXXX at XXXX EST which stated ( I cut and pasted this directly from his email ) : The highlighted items summarize the underwriters reply. \nA final inspection is required by the appraiser for the window. \n\nIf MB knew on XX/XX/XXXX that the appraiser would have to take some actions regarding the broken window, why did it take until Monday XX/XX/XXXX to get it done which caused the first delay in closing? What also causes me grief is that the appraiser did not even do a re-inspection. He only drafted a report and submitted it and I was charged {$140.00} just for that and it caused a delay in our original closing date?!? \nI queried MB later that day on XX/XX/XXXX as to when I could expect a XXXX so I could review the loan # s as soon as possible. Around XXXX XXXX, the 2nd bomb for that day dropped when we were informed that closing was now delayed yet again to XXXX. According to MB, the reason for this is because, the appraiser was required to make with added correspondence for the window, a revised loan estimate was sent out earlier today disclosing that fee. That re-disclosure is a mandatory document. Regulations state that the earliest date that a Closing Disclosure can only be sent is the day following acknowledgment of the most recent Loan Estimate. The closing can be set for XXXX. \nIn order to avoid this delay, Id have been happy to write a check directly to the appraiser and avoid the whole updating of the CD if it meant that we could have kept the closing date of XXXX. This is something that MB should have thought about and made that offer to me. \nOn Tuesday, XX/XX/XXXX I queried MB yet again for loan documents closing information so I could review them. I finally received an email at XXXX XXXX stating I could now access the new CD and review it. I reviewed the document and was pleasantly surprised to see that I would be getting back {$6300.00} at closing. MB asked if I had any questions and I informed him I did have questions and documented the following in an email to MB : 1. Line G8 - what is the {$890.00} aggregate adjustment? \n2. Line L13 - What is the {$850.00} adjustment for items unpaid by the seller? It looks like the seller and I are paying county taxes from XX/XX/XXXX through XX/XX/XXXX? What does it mean unpaid by the seller and why do I pay that since I don't even live at the property? \n3. In the section \" calculating cash to close '' I see the seller credit of {$2500.00} in the loan estimate column, but not in the final column and can't find the {$2500.00} being applied as a credit in section L. \n\nSo as this stands now, I should expect to receive a check for {$6300.00} at closing? \n\nI never received an answer to any of these questions. I again asked MB on XX/XX/XXXX at XXXX XXXX if they were able to get answers to my questions. My realtor followed up asking if answers were going to be provided and MB informed us at XXXX XXXX that, the closing department will be following up with the final balancing numbers from the title company. The initial draft is rough and not finalized. \nOn Thursday, XXXX at XXXX XXXX I sent out an email to MB and the title company asking, Good morning. Looking for the final closing numbers so I have time to review. I want to make sure all credits are accounted for and the questions I asked the other day are answered. This way closing tomorrow morning can go smoothly and all I need to do is sign documents. I received a pretty quick response from XXXX XXXX letting me know they had not received the lender CD. At XXXX XXXX XXXX XXXX reached out to MB inquiring when they could expect the lender CD. At this point we were still dealing with the garage ceiling stain issue at the XXXX hour with a NEW request from MB to have the home inspector ( who is not a trained and certified mold inspector ) submit a letter stating that no mold was present despite the fact that a certified mold inspector had already submitted a letter clearly stating that no mold was present. I never did receive any final numbers that day. \nClosing was scheduled for the sellers around XXXX on XXXX. At XXXX XXXX, I asked MB when I could see documents so I could start looking them over. I received a reply at XXXX XXXX that he would send them as soon as they are available. Having draft documents would have been great at this point. I showed up to closing around noon and much to my overwhelming disappointment, not all the credits that I was entitled to were accounted for. The one thing I had feared might happen at closing did indeed happen. Based on the CD that I had been provided on XX/XX/XXXX, I was under the impression that I would be receiving at least {$6300.00} back at closing and quite possibly more since I still had not accounted for the sellers credits on that CD. Obviously when I found out that I would only be getting back {$5000.00} at closing, I was a little irate. My realtor and the title agent explained that I could not receive money back at closing that was more than my earnest deposit ( $ XXXX ). However, they did explain that with VA loans, there are several other things that excess credit at closing can be applied to. My realtor did a simple XXXX search and came up with several options. What amazes me is that MB, who should be very knowledgeable on this whole process and have a thorough understanding of VA loans and what you can and can not do, apparently did not even think of this several days prior to closing. My realtor had addressed this issue with MB back on XX/XX/XXXX when she sent an email to MB stating the following : My client sent me your information. I understand he has selected XXXX XXXX   as his lender for the purchase of the property located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( ratified contract attached ). I wanted to share some information with you to ensure the process moves as swiftly and smoothly as possible. \nSome important highlights about the contract : Settlement on Wednesday XX/XX/XXXX afternoon ( no time set ) Home Warranty - paid by seller per contract. Buyer has not yet selected home warranty company Rebates/Credits to buyer : o {$4800.00} ( XXXX XXXX Buyer Broker credit ... rebate letter attached ) o {$1000.00} ( Customer Realty broker credit via contract addendum .... attached ) o {$2500.00} ( Seller Subsidy ... via home inspection removal addendum ... attached ) o {$3000.00} ( I also understand that XXXX XXXX  is providing a Lender credit ) Note : If rebates exceed closing costs, as you know VA loan permits pay off of debts, advance payment of XXXX fees, etc. so we would like to look for these opportunities. As another option, buyer would like to designate monies to build a fence on the property ( per escrow? ). If for any reason all credits can not be utilized, please let me know as I would prefer to give priority to XXXX XXXX credit as first opportunity for reduction. \nThis same email was forwarded to MB again on XXXX. We brought the issue of potential excess credits to the attention of MB back in XXXX and XXXX hoping we would not run into this problem at closing. Yet we still did. Why? Had the issue of having excess credit been raised by MB ( which we had already informed them of back in XXXX and XXXX ) back on XX/XX/XXXX, XX/XX/XXXX, XXXX or even the early morning of closing on XXXX, we could have addressed it and ensured that all credits at closing due to me were properly utilized. If the CD that was submitted to me on XX/XX/XXXX was even remotely accurate, I would have raised the issue on XX/XX/XXXX and there would have been ample time to handle the issue. Finding out about this issue at the XXXX hour and XXXX minute on the day of closing and that there are credits that I was simply going to lose is completely unacceptable and now I am looking for MB to make things right. \nThis should become a good teaching moment and educational opportunity for MB to use with all its loan officers and underwriters so this does not happen with other clients. I would like MB to send me an updated CD reflecting all the credits that truly are due to me and I would like MB to find some way to make this right. I have been repeatedly told that everything regarding funds with this loan has to happen at the closing. XXXX informed us that, All funds involved with the loan must be disclosed on the Closing Disclosure. I have already closed on this loan because I have been inconvenienced enough, so I am sure there is some other way to make this right. MB is a lending institution, so get creative and make things right and use this opportunity to teach your loan officers and underwriters. I am sure that MB can find a way to send me funds outside of the closing disclosure to make things right, but I leave that up to you. \nRegards, Post-closing interactions with MB : After closing I addressed my issues with my loan officer and he elevated my concerns to MB, VP Consumer Direct Business Development. I had several emails and phone calls with the VP and he basically informed me that MB would not cut a check to me outside of closing. He informed me that they did all they could do by re-doing the numbers and re-scheduling closing for Monday, XX/XX/XXXX. He did put me in touch with another person, SVP Senior Vice President. \nI had a discussion with this VP to express my dismay and he said hed look into it. I never heard back from him and left several messages which went unanswered. When I finally was able to connect with him and talk with him, I got the same answer in a less-than cordial customer service manner. MB would not do anything. From this VP, I got the impression he was blowing me off and probably never really looked into my issue. \nSo at this point, I am very unsatisfied with MB and even more so that at no point has MB ever apologized or acknowledged they screwed up. Clearly they know they screwed up if they offered me a chance to delay my closing, but at no point has anyone ever apologized.","date_sent_to_company":"2018-08-26T18:59:17.000Z","issue":"Closing on a mortgage","sub_product":"VA mortgage","zip_code":"20155","tags":"Servicemember","has_narrative":true,"complaint_id":"3002233","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MB FINANCIAL, INC.","date_received":"2018-08-26T18:35:34.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I never heard back from him and left several messages which went <em>unanswered</em>. When I finally was able to connect with him and talk with him, I got the same answer in a less-than cordial customer service manner. MB would not do anything. From this VP, I got the impression he was blowing me off and probably never <em>really</em> looked into my issue. \nSo at this point, I am very unsatisfied with MB and even more so that at no point has MB ever apologized or acknowledged they screwed up."]},"sort":[6.7813106,"3002233"]},{"_index":"complaint-public-v1","_id":"5299123","_score":6.6189604,"_source":{"product":"Mortgage","complaint_what_happened":"Parties involved Bank of America employees XXXX ( loss or escalation dept ) XXXX XXXX ( escalation dept ) XXXX XXXX ( mgr escalation dept. ) XXXX ( CSR ) Account one I had the unfortunate privilege of having Bank Of America hold two mortgages on properties that I own. One my primary residence and another a rental property. During Covid I was instructed that I could take advantage of a forbearance option and the company made it quite easy to continue to do that over the 16 month. When prompted to explain how this was going to work at the end of the crisis I was repeatedly told that more than likely it would just extend the life of my loan adding the payments that were missed to the back end. ( I was told after the crisis that a heloc would not have qualified for that option and that I never should have been told that ) this seemed plausible at the time because they had a precedent of doing that prior to Covid by paying taxes of their own accord and applying that sum to be paid by the maturity date of the loan. During my 16 month forbearance a few payments had slipped through my bill pay from my bank and were received and deposited at Bank of America. After contacting them and explaining my clerical error I requested to have these payments reversed and they informed me at that time that would not be an issue and would easily be accomplished. NOT the case. I requested these payments be reversed several times over the entire 16 months. they were eventually reversed BUT not before the forbearance option had been closed XX/XX/XXXX. At this point Ive been contacted to bring the account current and I repeatedly brought the multiple missing reversals to the attention of the people who were harassing me for payments. this went on for several weeks until finally I was able to get in touch with XXXX who was the only employee of Bank Of America who would provide me a phone number. After speaking with him over several weeks ( further exacerbating my delinquent position ) waiting for a straight answer as to where the payments went. I was repeatedly told they did not know where they were that they had processed it and that I shouldve received it. After bouncing back-and-forth between my bank telling me that they hadnt sent it and Bank of America telling me that they had, and me providing all manner of common sense solutions to get no resolution. .miraculously after bringing to their attention that I was about to file criminal charges the money showed up a week and a half later. ( these were electronic payments I still have received no explanation as to why it took so long to process ) I only added that information to the complaint to show history of information lag and Inability to grasp their own processes. and how my patience was exhausted by countless hours trying to surmount their gauntlet of misinformation, poor interoffice communication and XXXX employees. For any customer to succeed in this environment would take a level of tenacity very few people possess or have the spare time for in XXXX. \n\nNow this is where it starts to get really ridiculous. upon finally settling on an actual total and actual months missed. I was constantly given misinformation on what it would take to reinstate the loan back on track to where I was prior to Covid. Weeks went by with me continuing to bring to their attention that I was more than capable of paying all of the missed mortgage payments if they would continue to do what theyve done in the past which is move the taxes or leave them on the back end as well as the late charges. I would be prepared to do that BUT because theyre employees are XXXX poorly trained, understaffed and unable to answer questions intelligently in a timely fashion I was incorrectly and repeatedly informed that was not an option that was available to me. ( which I came to find out in the XXXX hour that it was. ) when I finally spoke to XXXX It was her that brought it to my attention that if I rectify these amounts prior to XX/XX/XXXX that it would reinstate the loan and I could continue to make my regular monthly payment. I felt it was ridiculous that it took me that long to get to an intelligent employee in their organization that can help me get through this troubling time with the only option that I had available to bring the loan current. but because the usual MO of this company is to not know what its talking about i instictivly asked to speak to a supervisor. surely since i was in jeopardy it would be that day NOPE >>>>SEVEN DAYS passed and I was finally contacted by XXXX XXXX who I was told was a manager of the escalation department. At that time not only did XXXX corroborate XXXX ( in escalations ) information after conversing with her and after picking her brain and explaining my situation in more detail another option was presented to me that if I brought the loan current to under 90 days late the option of spreading those three last payments out over the next six months for a total of {$150.00} per month would be available to me. She also provided her email at that time at my request. Since I was on the road when she called I was unable to make the payment at that time. When I finally called in to make the payment. I was connected with XXXX. I informed XXXX of my call with XXXX and what I was trying to accomplish and that I would like to make the account under 90 day late and spread the remainder of the balance broken down over the next six months at the amount of {$150.00} additional per month going forward 180 days. ( keep in mind XXXX knew that I need to satisfy the parameters of the escalation letter and at no point did she informed me that I would not accomplish my goal by proceeding in this manner. I had AND STILL DO the full balance to be applied ) the payment was made I received a confirmation # it was at this point I was informed the payment needed to post before we could set up a repayment plan and that I would just have to answer a few questions but that I should call back monday XXXX XXXX ( 2 days after deadline ) to process but not a problem ( this was all not true ) when I called on monday the amount to spread over the 6 month period had jumped to {$10000.00} and the escalation had proceeded. When I raised my concerns I was forwarded to the escalation department ( XXXX ) who told me that XXXX XXXX had over stepped and had not given me the right info but that it was too late. Now I would HAVE to do a loan modification If I wanted to TRY to keep the house ( but as usual no guarantee that this would not stop the foreclosure process. \n\nACCOUNT two ( Fri the XXXX XXXX XXXX ) After finishing with XXXX I decided to make a separate phone call to another agent to corroborate and see if she would facilitate the same out come with the other account ( because that is what I have been conditioned to do because no two employees will provide the same answer. But due to the fact that the after hours voicemail tells you that business hours are monday thru friday till XXXX XXXX  ( which is not true its XXXX XXXX on friday ) I Called at XXXX and was at the mercy of the auto payment system which would not take a partial payment. ( because at this point I was still operating under XXXX  direction to bring it in under 90 days late. I sent an email to XXXX to inform her of my intentions and update her of my progress and that email is still unanswered and no return phone call has been made as of XXXX XXXX. I am still prepared to satisfy the total of the missed payments if the resolution can be agreed upon since the 6 month repayment plan has never actually been an option that was available to me ( even thought it was couched as a viable solution by 3 employees ) in summary what i have learned is that this company expects clients to be patient while employees cut their teeth on new programs and practices poor communication and resurfacing tech issues all while giving Zero leeway for clients who are left out in the cold due to poor timing and customer service that is too slow to meet their own inflexible deadlines which fall on a weekend. BUT let 's be honest no one would have been able to help me in a timely fashion even if they were open because their company is designed to provide information too slow for the client to act on it and when you do act on it? it was the wrong direction anyway. Which is the best recipe to make it look like you are not actively trying to steal houses. \n\nIF it looks like a duck, and quacks like a duck, it's a home stealing duck.","date_sent_to_company":"2022-03-08T23:06:53.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"15601","tags":null,"has_narrative":true,"complaint_id":"5299123","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-03-08T20:00:57.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I sent an email to XXXX to inform her of my intentions and update her of my progress and that email is still <em>unanswered</em> and no return phone call has been made as of XXXX XXXX."]},"sort":[6.6189604,"5299123"]},{"_index":"complaint-public-v1","_id":"10499316","_score":6.5021133,"_source":{"product":"Credit card","complaint_what_happened":"To Whom It May Concern : I sent the following letter to my Apple Credit Card below and they have not given a reason why they will not grant me the credit to my account. \n\nI am writing to provide a detailed account of my experience as a victim of this Executive Recruiter Scam '' while working with a company I believed to be legitimate. Here is my story : On XX/XX/XXXX, I received an unsolicited call and message from XXXX XXXX, a recruiter from XXXX. As I had been receiving calls from various recruiters since leaving my last employer, I returned his call. During our XXXX conversation, XXXX introduced himself as an initial recruiter screener and arranged a call for the following day with his Senior Recruiter, XXXX XXXX XXXX XXXX confirmed the booking for XXXX XXXX on XX/XX/XXXX via email at XXXXXXXX XXXX on XX/XX/XXXX. \nOn XX/XX/XXXX, I had an introductory call with XXXX XXXX, a career consultant from XXXX. XXXX inquired about my professional background and emphasized the importance of networking in the current job market. He assured me that XXXX was deeply invested in their clients ' success, working with hundreds of recruiters to secure executive positions. To build trust, XXXX shared the resume of a supposed client, XXXX XXXX ( email sent at XXXX, XXXX attachment ), and an email exchange between XXXX and a marketing coordinator named XXXX XXXX XXXX attachment ) to show the marketing interaction with clients. He shared an Executive Profile and a summary from XXXX XXXX. Although the profile URL on the summary when I received this email was live at the time, it now shows as a bad URL address. I could not find any information about this XXXX XXXX online or XXXX. \nAfter gaining my trust, XXXX mentioned a fully refundable {$75.00} trial fee, claiming it ensured I was serious about the opportunity. Despite my skepticism, I paid the fee as our meeting had gone well, and I did not sign any formal agreement. \nFollowing our XXXX call, XXXX sent a follow-up email at XXXX XXXX on XX/XX/XXXX, which included ( 3rd Attachment ) : A press release advocating for highly skilled individuals aged XXXX0 and above ( I had just turned 50 a few months prior ). The press release was d ated XX/XX/XXXX, when the company was founded in Florida ( 4th attachment ). \nA list of services provided by XXXX, identical to the \" Services Document '' they later used as evidence, minus the signature section which I never signed this document ( 5th attachment ). \nAn XXXX XXXXXXXX XXXX XXXX XXXX, which I also never signed ( 6th attachment ). \nLater, at XXXX XXXX  on XX/XX/XXXX ( 3rd attachment email thread ), I received another email with a receipt ( 7th attachment ) for my payment, along with calendar invites for meetings on XX/XX/XXXX and XXXX aXXXX XXXX XXXX XXXX ( 8th and 9th attachment ) I also received an email from XXXX XXXX ( Executive Sales Assistant ) on XX/XX/XXXX stating that I only needed to sign this agreement through XXXXXXXX XXXX after the 8th session to be fully enrolled in this program ( Email 11th attachment ). \n\nAfter my second meeting, I expressed doubts about the services, and they scheduled a call with XXXX XXXX. During our 30-minute conversation, XXXX asked me to give the program more time. He followed up with an email on XX/XX/XXXX sharing his name and phone number ( 10th attachment ). XXXX also sent a finance option if after signing the agreement I would choose to finance the services ( 12th email attachment ) On XX/XX/XXXX, I noticed an unauthorized charge of {$4300.00} on my card. I immediately emailed XXXX XXXX 10th attachment email thread has the reply to original email sent on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time this past Thursday. I really appreciate our conversation and insights. \nI wanted to reach out because my card was fully charged last week. I recall from our conversation; you stated multiple times that they would just place a hold. Can you please advise? \nThanks, XXXX XXXX XXXX XXXX, I received the following reply from XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, thanks for reaching out. No need for concern at all, as mentioned sometimes the ACH hold shows up differently for different financial institutions. Some show up as a charge, others a hold, others not at all. But rest assured when you've completed your sessions with XXXX and if you decide against formalizing the program, that will be refunded immediately. As well as if you decide to go the financing route. \n\n\nThis email clearly stated that THEY DID NOT CHARGE MY CARD since they did not have an authorization from me to do so!! Please read the 10th attachment in detail to understand that they fraudulently charged my card and lied to me to allow time to pass while they try to convince me. \n\n\nI met with XXXX on XX/XX/XXXX and XX/XX/XXXX but had to cancel meetings on XX/XX/XXXX and XXXX due to scheduling conflicts. During our last meeting, XXXX revealed that she did not work for XXXX and had only recently met them, which raised further suspicions. I requested a refund for the {$75.00} and the removal of the \" hold. '' During my first meeting I shared my resume with XXXX, resume hiring questions that I had and a sample resume ( the resume they provided as evidence as their work product ). \nOn XX/XX/XXXX, my card was charged again without my approval for {$4400.00}. This was a fraudulent charge since I specifically stated that I no longer wanted to pursue this option. Multiple attempts to contact them went unanswered, prompting me to investigate further. I discovered numerous online complaints from users labeling their service as fraudulent, along with an article from XXXX ( XXXX attachment ). \n\nI have conducted a thorough investigation into the individuals I interacted with during my experience with XXXX. Here are my findings : Nonexistent Employees : None of the people I engaged with, including XXXX XXXX, XXXX XXXX, and XXXX XXXX, have any presence on the internet, particularly on XXXX. It is clear they used fake names during phone calls and emails, which lacked signatures and company logos. I also did not find a profile from XXXX XXXX XXXX which they also faked this profile they shared with me. \nFake CEO Profile : The CEO, XXXX XXXX, is also untraceable online. The only mentions of his name, without any accompanying pictures, are in paid press releases dated XX/XX/XXXX and XXXX, XXXX. \nCompany Background : XXXX was founded in Florida in XX/XX/XXXX ( 13th Attachment ). In the article of organization, they don't have any member and managers listed. They have no employees listed on XXXX, raising further doubts about their legitimacy. \nSuspicious Website : Internet spam sites have flagged the XXXX website as highly suspicious and a total scam. Additionally, there are numerous people on XXXX and other platforms ( see attachment 14 ) seeking information about this company and questioning whether they should engage with their services. \nNo Signed Agreement : I never signed any agreement for their services. How can I be held liable for charges when there is no enforceable agreement? Goldman Sachs initially stated I authorized these charges without any proof for the findings, but there is no document, including an XXXXXXXX XXXX agreement, with my signature. As I stated previously, they stated they would send a document for me to XXXXXXXX XXXXXXXX which I never signed. \nMisleading Documentation : In their response, XXXX provided my old resume, an updated resume I shared, and a list of services agreement without my signature. They claimed to have spent hours working on my profile, which is completely false and indicative of their desperation. \nIn summary, I have been defrauded by a company using fake identities and misleading information. I have not authorized any charges, nor have I signed any agreement with them. I hope this detailed account helps in addressing this fraudulent activity. I will also report to the state attorney general in the state of Florida where this company is incorporated, the state attorney general in the state of Illinois where I reside as well as the Consumer Financial Protection Bureau ( CFPB ) to prevent them to scam others. \nThank you for your attention to this matter. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-10-18T22:24:49.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"60490","tags":null,"has_narrative":true,"complaint_id":"10499316","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-10-18T21:52:04.000Z","state":"IL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I <em>really</em> appreciate our conversation and insights. \nI <em>wanted</em> to reach out because my card was fully charged last week. I recall from our conversation; you stated multiple times that they would just place a hold. Can you please advise? \nThanks, XXXX XXXX XXXX XXXX, I received the following reply from XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, thanks for reaching out."]},"sort":[6.5021133,"10499316"]},{"_index":"complaint-public-v1","_id":"4682393","_score":6.15562,"_source":{"product":"Mortgage","complaint_what_happened":"On numerous occasions Mortgage Co has lost, misplaced and misappropriated payments made by us. I am XXXX and my husband is XXXX we both have many health issues. On numerous occasions over the course of several years our mortgage co has lost or misplaced payments made by us and threatened and began foreclosure. Each time I had to get outside help to sort it out before the mortgage company found our money and applied it properly to our account. I believe this Senior Abuse and Misappropriation of Funds and Bad Business Policy. \nI believe they were trying to harass. stress and confuse us so they could steal our home. \nMy husband and I filed a Bankruptcy Chapter XXXX Wage Earners Case in XXXX of XXXX. Our mortgage was not part of the bankruptcy, but several months of past due payments ( due to medical issues ) were included. However, due to more medical issues and bills during the course of our bankruptcy, we fell behind on our mortgage payments again and on XX/XX/XXXX our attorney XXXX made a stipulated binary arrangement with our mortgage company for us to pay {$760.00} over our regular mortgage payment with the bankruptcy court until we were caught up. I made each payment by phone, recorded the name of the clerk and confirmation numbers and also told the clerk each time that part of the payment was a binary payment. This seemed to confuse them and I was afraid the binary payments werent being applied properly so I started paying in two payments on same date stating which one was the regular mortgage payment and that the {$760.00}. XX/XX/XXXXwas a binary stipulated payment that our BK trustee set up. \nMy XX/XX/XXXX statement listed my monthly payment as only {$840.00} due on XX/XX/XXXX. I didnt know why payment was so low but felt they were trying to trick me and steal our home. \nIt also had in the summary of Amounts Past Due Before Bankruptcy Filing as the total pd XXXX and current Balance XXXX. I wanted this explained. As there was listed in Breakdown of past payments box a partial Payment unapplied of XXXX and I wanted to know if not applied- Why? And where was it being held and if it was collecting interest. \nOn XX/XX/XXXX I called and spoke to a XXXX  at which time I paid my {$1300.00} regular mortgage payment and then asked her to transfer me to the BK Dept but I was sent to a mailbox system. I never got through to someone to speak to anyone so never got those questions answered. \nXX/XX/XXXX Statement also listed monthly payment as XXXX due XX/XX/XXXX ; and still showed {$2200.00} as current balance of Summary of Amounts Past Due Before Bankruptcy Filing. But it showed no partial payment unapplied in the box as before. \nXX/XX/XXXX I called Our mortgage company to ask why an amount which I knew to be incorrect was listed on our monthly statement as being past due. I asked for my contact persons name and was told I had none at this time. I was told that the bankruptcy payments were being paid to XXXX XXXX XXXX XXXX by or to a XXXX. I didnt understand what was being said or going on, but I paid my regular payment of {$1300.00}. and finally someone transferred me to BK Dept where I spoke to a XXXX  who said she can not even see, readback or answer any questions about my statement but could only answer BK related questions, but did say XXXX had been paid to this account from the Bankruptcy Court Trustee. I told them it should have been paid from payments made by us to our Ch XXXX account which I paid online and had a clear record of each payment which I could easily prove ; and she then referred me back to main number. I kept asking her questions and she said payments have been made to XXXX XXXX XXXX XXXX Finally she saw the amount of {$5300.00} and said she was checking to see if that is what Trustee was supposed to be paying. I asked if it is outstanding? She said no, Im still checking to see what it is. Not giving me a breakdown. I asked if she could give me more information. She said basic info only. Then she said the Stipulation was written on XX/XX/XXXX and contractually due on XX/XX/XXXX. And as of that day we were 3 payments behind on the Stipulated payments. And that on XX/XX/XXXX wed be in default and foreclosure would happen. \nI was told that I had to speak with their BK Dept because they couldnt discuss my statement due to our bankruptcy, and gave me a number to call. I was given ext XXXX I called it, but had to listen to recording 2-3 times before got an extension prompt and then I was put on hold for 45 minutes and then it disconnected. \nI called again and after having to listen to a loop recording for a very long time at XXXX I was told by a recording that Id get a call back in 11- 16 minutes. But I didnt get a call back by XXXX so I called again and spoke with a XXXX who gave me an 800 number to call and said I must get any statement questions answered by BK Dept because she is not allowed to discuss anything except take a payment. She did, however give me a name of a person who I was told was my single person of contact XXXX. Up to that point -- although Id called dozens of times -- Id never heard of a person of contact let alone XXXX. \nThis continued in a circle for most of the morning until I was totally confused and exhausted. \nI called and left a message for XXXX and then called our attorney who contacted the Bankruptcy Trustee. \nI was told we had to prove that the stipulated binary payments in question were paid, which I did ( Please see attached copy of my letter dated XX/XX/XXXX to XXXX, our attorney listing paymentsI also sent her a copy of bank statements showing payments ; and copy of our attorneys email dated XX/XX/XXXX to XXXX, BK paralegal for our mortgage company. So the issue of our stipulated binary payments was caused by our mortgage company, or the BK couXXXX, not applying my payments to proper account and our mortgage did not go into default. \nXX/XX/XXXX statement again had incorrect payment amount. This time XXXX due on XX/XX/XXXX, which this time I paid instead of the regular pmt of XXXX. Then I asked the same questions I had in the past ie why statement shows past bal when it should be XXXX after our BK, AND why a late fee on XX/XX/XXXX when they cant charge a late fee on amounts pd through the BK court. And what is partial pmts unapplied?? and where is this money being held?? and is it earning interest?? and who is getting paid the interest. I was told to talk to BK Dept. \nXX/XX/XXXX Statement showed our true regular {$1300.00} as payment due. I asked to pay it and was transferred to the BK Dept where spoke to a XXXX and made my regular {$1300.00} payment. \nOn XX/XX/XXXX, XXXX we were notified of change of escrow payment. \nRegular Mortgage Payments stayed {$1300.00} for next few months, though I never got my questions answered about why the amount of past due before BK filing was not being paid down as they should. Also not answered : why and where were all the partial payments and were they gaining interest and who was getting it?. \nI was told early on that after BK was finished all past payments would have been made and we would be current. \nHowever after our last payment to Bankruptcy Trustee was cleared our statements still showed a balance owed in the summery. I was told by our attorney that it is taking a couple months longer than usual for everything to get updated due to COVID slowing things down because office workers mostly worked from home and it took longer to process everything and get docs signed off and back to Trustee and filed. But the past due amount continued to stay on our statement so I called again even after we got the Letter of Completion from BK Court. \nWhen I called Our mortgage company to inquire, I was told the statement went out prior to my payment being processed. \nXXXX Still trying to get questions answered, this time I was given XXXX email : and ext again. I went to web portal and set up a phone appointment with XXXX for Fri XX/XX/XXXX @ XXXX. \nCalled BK trustee and called Our mortgage company again and made regular pmt of {$1300.00}. XX/XX/XXXXStatement Dated XX/XX/XXXX due XX/XX/XXXX shows a past due of {$1300.00} with a total of $ XXXXdue. This in an error. We do not have a past due balance. \nWe went through this last month as well. After calling my attorney, who contacted the Bankruptcy Trustee I received a document ( dated XX/XX/XXXX ) from Trustee stating that \" The Bank of, as Trustee for the Certificate holders of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX-Through Certificates, XXXX XXXX agrees that the debtor ( s ) ( have paid in full the amount required to cure pre the prepetition default on the creditor 's claim. \nPlease see attatchment. Also please note I paid the XXXX pmt on XX/XX/XXXX and it cleared my bank XX/XX/XXXX. There is and was NO past due that month. \nI tried to clear this up for most of the day, making numerous calls trying to get through to XXXX, and then I tried making my payment via the automated service and was given a different amount due than what is on the statement ( {$2700.00} ), I hung up and called back and spoke with XXXX ext who also gave me a different amount due ( {$2200.00} ), at which time I made the reg pmt for XX/XX/XXXX of {$1300.00} Conf # After taking my pmt she transferred me supposedly to the BK Dept to discuss this problem but after 40 minutes on hold another XXXX answered who was in the Customer Service Dept. She said all she could do was to transfer me to the BK Dept -- that was after 19 more minutes on hold again.\n\nAfter a few minutes on hold it sounded like someone was going to answer, but instead hung up on me! I was on the phone to our mortgage company from XXXX to XXXX most of that time I was on hold!! \n\nXX/XX/XXXX I called and spoke to a XXXX and told her the wrong pmt amt is listed on statement XX/XX/XXXX. She said only {$1300.00} was due. Then said must talk to BK Dept and transferred me to where a recording said no one was available and leave a request for call back and they will usually return call within 24-48 hrs. \nI called XXXX at ext again, this time I was able to leave a message. Hes supposed to call back in 24 hrs.He didnt. \nXX/XX/XXXX I called again and was told foreclosure was being started. I asked to speak to the person whom I had been told was my one person of contact, XXXX. I was transferred and put on hold a very long time and when XXXX got on the line he restated that I was {$2700.00} past due and foreclosure was being started, I protested and asked what it was for and after putting me on hold for several minutes he ( XXXX ), without explaining what it was for, said if I paid {$860.00} right now I would be all caught up. But I had to pay it right now. I felt afraid and coerced, so I paid the {$860.00} and it cleared my XXXX XXXX XXXX XXXX account on XX/XX/XXXX. Please note that I had paid our regular mortgage payment of {$1300.00} on XX/XX/XXXX and it cleared on XX/XX/XXXX. I also received a Response To Notice of Final Cure Pmt dated XX/XX/XXXX wherein Our mortgage company states that we have paid in full the amount owed prior to bankruptcy. So WHAT was I being charged for and WHERE did it go? \nThe next month the {$860.00} AMOUNT payment still had not shown up on my statement, however the amount due showing was the regular monthly payment. I called and asked where the {$860.00} was applied because I dont see it on my statement. and I was put on hold for a very long time and then it was disconnected. I kept calling and I asking for payment history and each time I was transferred and put on hold for a long time then put on hold again for long time until finally it was disconnected. This happened repeatedly. I was finally given extension XXXX again, but it went to a weird recording and hung up. \nBut at least the proper amount for my mortgage payment was on our statement. \nHowever, XX/XX/XXXX statement due XX/XX/XXXX showed payment due only XXXX --??? I called and was told it was actually {$1300.00} so I paid {$1300.00}. \nXX/XX/XXXX Statement due on XX/XX/XXXX showed a different amount that of {$1600.00} as reg payment.. Not only that but it also showed a past due fee of {$250.00}. I called and spoke with XXXX XXXX who said reg payment due was XXXX and ZERO past due. So I paid XXXX She said that the statement went out prior to payment being processed and that the statement and payment passed each other in the mail. \nXX/XX/XXXX Statement due XX/XX/XXXX same thing with the {$250.00} past due fee. I called to make a payment but asked a XXXX about the {$250.00} and got the same answer statement date is 4th and your payment passed in mail. I pointed out that this was the. 3rd month this happened and never happened in all the prior months since the beginning of my loan. She said she would get a Specialist to help me. So XXXX from Customer Serv got on line and was going to send me to the BK DEPT but instead the Loan Servicing Dept to dispute it, and I was given a fax # XXXX. I asked for a supervisor and a XXXX '' Team Lead in Customer Service got on. When I asked if she was a Specialist she said They call us that in other departments because we are more knowledgeable She told me that the {$250.00} was not a late fee but a BK fee from XXXX and was found when assessed in XX/XX/XXXX. She said she would email invoice to me. She didnt. \nI called and again asked about the {$250.00} and was told that my account had been audited and the {$250.00} was a Bankruptcy fee from XXXX that had been overlooked, and just uncovered. I disputed this as it was over 10 years old and I have a letter from Our mortgage company stating that they agreed that we had paid in full the amount required to cure the petition default on their claim. \nI received a letter from our mortgage company acknowledging my dispute of the {$250.00}. And called it legal fee charges on the referenced loan. And said the fees were valid and will not be removed. \nI called my bankruptcy attorney and she said that she was no longer the attorney of record since our bankruptcy had closed. \nIn meantime I kept looking at my statements but the {$860.00} amount was never listed as being paid to my account, XX/XX/XXXX I contacted Senior Alliance in my city, who referred me to XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) in XXXX, CA for help. \nAfter several letters from myself as well as from XXXX to Our mortgage company went unanswered XXXX XXXX XXXX talked to me about making a conference call to Our mortgage company which I agreed to do, and they said they would set it up. \nOn XX/XX/XXXX during the conference call between myself, XXXX of XXXX and XXXX of our mortgage company, XXXX said they would send me my accounts complete transaction records -- but it would take some time to gather them. \nI received 2 letters from Our mortgage company stating they were working on getting the documents to me. \nSatisfied that I would receive the transaction history, XXXX ended their service and referred me to your agency to pursue a complaint on how they have handled my account. \nI called my Bankruptcy attorney again concerning the {$250.00} late fee/ BK fee/ Attorneys fee, and she told me to pay the {$250.00} because she would charge me more than that to fight it, but she would send me a document showing Our mortgage company signed off on the bankruptcy. This caught me at time when I was ill and literally defeated and sick & tired of businesses and people letting us down and taking advantage of we elderly ones. I went ahead and paid I paid the {$250.00}, though I said I was going to fight for a refund. I feel we were cheated then and I also feel we were cheated out of the {$860.00} payment I made through XXXX. \nXX/XX/XXXX I did finally get our transaction records from Our mortgage company Mortgage ( see attachments ), ( the payment of $ XXXX is not listed, as well as a letter with confusing information addressing my questions that Ive been asking for over a year. PLUS I can see NOWHERE where they applied the {$860.00} that I paid to my mortgage account, although it was clearly deducted from my bank account and paid to Our mortgage company mortgage. ( see copy of Bank of the Statement ) In the letter dated to me it looks like they moved funds and put names on them to their benefit. For instance I was told twice that the {$250.00} was a XXXX BK fee but they now labeled it Legal Fees Step 4 : What company is this complaint about? Our mortgage company Mortgage It also looks like they are transferring our account to another companyis it still one of their entities? I really feel helpless and afraid they will end up swindling us out of our home of 20 years. At our ages ( Im XXXX & next month XXXX -- my husband will be XXXX ) what would we do and where would we go? All the confusion and stress theyve put us through has had an impact on our health and well-being. And to do this during a Pandemic when the elderly is already under a great deal of stress is heartless.","date_sent_to_company":"2021-09-01T20:50:21.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"954XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4682393","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2021-09-01T19:36:35.000Z","state":"CA","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":null},"highlight":{"complaint_what_happened":["I <em>wanted</em> this explained. As there was listed in Breakdown of past payments box a partial Payment unapplied of XXXX and I <em>wanted</em> to know if not applied- Why? And where was it being held and if it was collecting interest. \nOn XX/XX/XXXX I called and spoke to a XXXX  at which time I paid my {$1300.00} regular mortgage payment and then asked her to transfer me to the BK Dept but I was sent to a mailbox system. I never got through to someone to speak to anyone so never got those <em>questions</em> answered."]},"sort":[6.15562,"4682393"]},{"_index":"complaint-public-v1","_id":"2474964","_score":5.477555,"_source":{"product":"Mortgage","complaint_what_happened":"I am XXXX XXXX XXXX XXXX. I have honorably and dutifully served my country for the past 12 years as an XXXX XXXX XXXX. I have served in XXXX XXXX XXXX including XXXX XXXX XXXX and XXXX XXXX XXXX and have willingly made great personal sacrifices for my country. I am currently in the process of soliciting assistance from Congress for retaliation I experienced following a formal report of gender discrimination. As a result of reporting corrupt actions of others, I was subjected to a pattern of retaliation which continues unabated to this day. These acts of retaliation should not be countenanced and have caused me and my family great financial as well as emotional harm. I have given much to this country and I would expect that this country in return owes me respect and that I be treated with common decency due to any citizen.\nThis letter is to address a substantial prolonged financial hardship I have experienced as a result of military service and seek assistance with the potential predatory lending practices of Fifth Third Bank. Around XX/XX/XXXX, I contacted Fifth Third to seek assistance with my financial hardship which resulted from my execution of military relocation orders. In response to my solicitation for assistance I was offered a forbearance plan by a 5/3 representative named XXXX who explained that using this option of forbearance meant I could defer 3 months worth of payments without penalty. She informed me that she would send documentation to validate the forbearance plan closer to the end of the month, as I had just missed the window for their supposed reconciliation date. I accepted her suggested forbearance plan and waited for her to contact me, which never occurred. After waiting several weeks, I called Fifth Third and attempted to reach XXXX, who never returned my calls, messages or emails. Fifth Third claims there is no evidence or history of this conversation occurring and is now trying to penalize me for deferring payments as advised by their representative.\nAfter several calls requesting information and complaining about the evasion of various customer service representatives, I was finally put into contact with a customer care specialist named XXXX XXXX. He informed me I would have to submit another hardship package because my first one had been closed. I did not receive assistance for the first package, or a follow-up to explain the outcome of its submission. XXXX XXXX gave me a long list of documents I would need to submit for the second package, which were not required for my first package and even more demanding in terms of detailed account information. He requested that I give him full bank account numbers to ALL of my accounts, or he could not help me. I attempted several times to ascertain from XXXX XXXX why all of the additional account details were required for the second package when they were not needed for the first package and he could not provide the answer.\nAfter several weeks of asking him for an explanation for the additional documents, I relented because of desperation and gave him access to all of my accounts. Many of my questions have remained unanswered, such as does Fifth Third participate in the Making Homes Affordable Program or other Federal aid programs for XXXX XXXX  service members who are forced to relocate. I have gotten conflicting information from multiple 5/3 representatives as to the status of my original hardship package, which include that it was closed, never opened or did not have enough documentation.\nOnXX/XX/XXXX, I was contacted by a XXXX XXXX via phone, who is allegedly a contracted VA appraiser requesting access to my XXXX XXXX home on behalf of 5/3 Bank. I requested that XXXX XXXX provide professional validation of her job status as an appraiser in which she could not provide. I asked her how she found my contact information and she stated 5/3 Bank had given it to her to request access to my home for the purpose of an appraisal. 5/3 Bank did not inform me of an appraisal service and gave the alleged VA appraiser partially incorrect contact information through an erroneous email address I have never been associated with. Not only does 5/3 refuse to correct my contact information despite numerous requests, they also released my personal information without my consent.\nOn XX/XX/XXXX I called 5/3 and requested to speak to a manager in regards all of the issues stated in this letter, and also to request the notes detailed on my 5/3 account with the many representatives I had previously spoken to. I realized after the first incident with XXXX and her failing to keep her promise that it would be wise to request that each person I speak with write out a summary of our conversation. During this call, I was referred to a ( Customer Care Specialist ) in the Loss Mitigation Department named XXXX, to whom I requested an electronic copy of the notes previously recorded, which she refused to provide. Due to the conflicting statements of representatives as to the status of my plea, I wanted a copy of my account notes so that I could determine who is constraining my request for aid. I asked her why she could not provide it and was informed that customers are not privy to them. The fact that I am not privy to notes on my account is a concern to me, as it presents the perception that 5/3 is operating in a less than straightforward or honest way.\nAfter I determined that XXXX had no intention of hearing my issues or assistance, I requested to escalate this call to the next supervisor, which she begrudgingly did. The next person I spoke with was Loss Mitigation Supervisor XXXX XXXX ( XXXX ). XXXX XXXX was not able to give me an answer as to what had occurred with my account and assured me he would call me back on XX/XX/XXXX. He informed me that the status of my was at a standstill because I had not responded to the paperwork mailed to me. I did not respond because 5/3 has continued to send my mail to the property address of the mortgage. Another concern with this is the fact that 5/3 has been able to send mail that pertains to bill collection to the correct address, but not documents that will assist in the severe hardship I am enduring because of serving my country.\nI have invested several hours worth of phone calls with 5/3 Bank to get assistance and information on my mortgage options in order to avoid foreclosure or short sell options. It is my belief that 5/3 Bank is : 1. Utilizing intentional evasive measures in order to perpetrate predatory lending tactics to force my home into foreclosure for their benefit.\n2. They are exploiting my inability to physically go into a bank because of military service, thus controlling this situation to their advantage. 3. They are intentionally sending important documents to a location I do not reside knowingly, despite my efforts to correct the mailing address on file so they can argue that I never responded to strengthen their foreclosure plan. 4. They are presenting false aid options, such as the fo\nrbearance plan I was offered, in order to collect late fees and create a misleading case in their favor for foreclosure.\n5. This lender has demanded my birth certificate and all of the information to access my accounts, yet have produced no assistance or explanation as to what it will be utilized for. 6. 5/3 Bank has illegally abused my personal info\nrmation that I have submitted for the hardship package to others without consent, yet withheld information about my account that could help me determine what is really occurring with my account.\n7. They are omitting key details to my account notes and other responses for the purpose deniability of aid. 8. The representatives have outright lied by denying discussions and have avoided answering my questions about other Federal assistance programs available to me to prevent resolution. 5/3 Bank has been intentional, illegal and exploitative in their business practices and further compromised my very difficult situation by preying on my desperate solicitation for help. I am currently in the process of submitting a Congressional Complaint\nfor the negligent business practices of companies I have been forced to interact with because of military relocation orders, and 5/3 Bank is one of them. Below is a brief outline of the current struggle I am engaged in and need help with.\nBackground : The issue with Fifth Third Bank is but one component of the financial devastation I am currently enduring. As outlined below the issues that I am addressing to Congress covers an unfortunate period in my career that is still heavily injuring my life. All of the problems that are impacting me currently have stemmed from adhering to directives for reporting violations of gender discrimination during that period which have led to insurmountable financial hardship. SinceXX/XX/XXXX when I first reported the hostile work environment, I have paid well over {$150000.00} in additional and unnecessary mandatory relocation expenses not reimbursed by the government. In the collective 3-year span since that complaint, I have only earned {$98000.00} according to my pay stubs, leaving me at an astounding deficit of {$56000.00} in relocation associated costs ( this is a conservative estimation and only items I have receipts or evidence of have been included ).\nTo provide real magnitude to this issue the only way to recover financially from the current deterioration I am experiencing would be for me to declare bankruptcy or dedicate the next three years pay towards the repayment of various pay methods I had to use to cover the shortage without paying any cost of living expenses. While the pains of being in debt are certainly stressful, this financial concern is much more significant because in order to maintain my job specialty in the XXXX XXXX, I must maintain a job clearance which requires financial health and stability. By declaring bankruptcy, or having substantial debt I can not afford to pay off, I am at risk of losing my clearance eligibility which would result in losing my job and negating the 12 years of technical experience. 5/3s efforts are further compromising my financial hardship and have delivered the very clear message that service members will not be treated fairly or with respect and care.\nSinceXX/XX/XXXX my relocation costs have reached nearly exceeded {$160000.00} to which only a small portion has been reimbursed to me as travel costs. There have been numerous ripple effects for the short period in my career including : 1. Eventual dissolution of my marriage 2. The devastating cross-country child custody commitment ( due to a legally binding separation agreement, I have had to pay out of pocket for travel arrangements for my daughter to visit her father. ) 3. The decline in my physical health caused by ceaseless stress over my financial situation.\n4. Significant damages to my XXXX XXXX residence caused by Hurricane XXXX.\n5. The destruction, theft and frequent relocation of my household goods by the negligent, underinsured moving companies contracted by Department of Defense in excess of {$60000.00}.\n6. The disruption in my familys wellbeing and quality of life caused by broken household goods.\n7. The cost of damages, extortion, repair and rental vehicle fees caused by vehicle transport services related to relocation for nearly {$10000.00}.\nIt is understood that military service comes with sacrifice, but the word sacrifice does not summarize the emotional cost of service. The truth behind military members endeavors is this : We expose ourselves to unrelenting danger and incur a laundry list of medical conditions that impact our quality of life in substantially painful and permanent ways, a burden we carry long after departure from XXXX XXXX. Mentally, we are forced to compartmentalize loneliness every time we leave our loved ones and forgo comfort and opting to [ choke down ] crippling stress to continue, unsure at times how to put the next foot in front of the other. This unnecessary hardship lends to the skyrocketing diagnoses of XXXX and veteran XXXX  rates ( even more prevalent in women veterans than men ).\nAdd to the decline in physical and mental health the fact that we miss the milestones that bring positive mature perspective, wisdom and gratitude. I have sacrificed countless of these priceless moments so I could serve and be exploited for my efforts. The exploitation is a necessity when related to deploying, because we are freedom fighters and tasked with the exhausting job of protecting our country, but exploitation through malicious reprisal, by contracted moving companies, or Headquarters XXXX XXXX by denial of financial aid is an abuse that is unfair to exact.\nThe failure of marriages due to long separations and the overwhelming stress of service.\nTruthfully, I do not know what options are available to me in rectifying the concerns expressed in this letter. It is my desire that 5/3 bank honor the forbearance plan by removing those allegedly delinquent missed payments from my account, reducing my overall mortgage as if those 3 payments had been mad. I believe that this would be a fair effort on their part in light of the incredibly unprofessional predatory efforts of their customer service representatives. I also want 5/3 bank to reconsider loan modification for my mortgage because of these issues.\nIn the face of all the trauma, grief, stress, terror and sadness associated with military service, at the very least we should be able to avoid financial ruin or bankruptcy. I am currently experiencing the strain of institutional abuse by gender discrimination and financial exploitation by the very country and XXXX I have faithfully served. I can provide any documentation proof you require to validate my efforts and concerns upon request. Please let my loyalty to my country count for something during this very difficult period for my family and I.\nThank you for your service, support and concern to this matter.\nXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2017-05-03T20:20:35.000Z","issue":"Struggling to pay mortgage","sub_product":"VA mortgage","zip_code":"028XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2474964","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2017-05-03T19:57:11.000Z","state":"RI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Many of my <em>questions</em> have remained <em>unanswered</em>, such as does Fifth Third participate in the Making Homes Affordable Program or other Federal aid programs for XXXX XXXX  service members who are forced to relocate. I have gotten conflicting information from multiple 5/3 representatives as to the status of my original hardship package, which include that it was closed, never opened or did not have enough documentation."]},"sort":[5.477555,"2474964"]},{"_index":"complaint-public-v1","_id":"3129872","_score":5.4416943,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My complaint against Capitol One is below : I filed a dispute and was denied due to time. \nIf you read the timeline below, I attempted multiple times to establish a delivery date of my item. Each time a delay was posted by the company. I agreed to the terms. It was only after the XX/XX/XXXX that I requested a refund from the merchant. Not hearing anything via email or phone I promptly filed a dispute with Capitol One. \nCapitol One provided a refund promptly and an agent left a message on my phone. Several attempts to return the call went unanswered by that agent. \nCapitol One then charged my account for the same amount that it had refunded and cited the reason for being lack of documentation. Although, this was provided to them within the given time frame. Agents for Capitol One would not attempt to locate the paperwork that I sent to them. The agent for Capitol One, instead required me to resubmit documentation and provide an additional letter. Each time the agent would respond to my questions with To be honest with you and continued as if this agent had already determined I would not be able to dispute my charge. The agent also told me that the first call that was made to my home phone was a scripted call, and the agent was not expected to call me back. \nI attempted to resolve issues with the merchant. I attempted to receive a refund from the merchant. Once denied I filled a dispute with Capitol One in a timely manner. \nI found no documentation within my CAPITOL ONE CONSUMER AGREEMENT indicating any time frame with regard to not receiving merchandise. \nI filed the dispute in a timely manner after having made an attempt with the merchant for the refund. \nAs a consumer how am I able to determine a time frame on disputes if not given the information? \nCapitol One boosts protections for using their card. Yet, fail at providing those protections or providing information to its consumers. Capitol One did allow the merchant to accept a visa as deposit. As a Capitol One consumer I should have been allowed the dispute. Furthermore, the agent that first called me with a scripted message leaving a callback number, was not, and would not be returning my calls. \nThis was confirmed by the second agent a talked to. I feel strongly that this was a deceptive business practice to induce the failure of a disputed transaction. Additionally, at the end of my final conversation with the agent I was not provided with any other dispute resolution or ways to have an additional review of the disputed item. \n\nDisputed charge timeline : During XX/XX/XXXX I made contact with a company, XXXX XXXX XXXX. During this time I had made arrangements for the purchase of a camper. After several emails I received a final contract and was required to place a deposit of {$7000.00}. On XX/XX/XXXX I received an email indicating from the merchant that the deposit could be made using several methods including a credit card. \nOn XX/XX/XXXX I received a confirmation that my credit card ( Capitol One ) was charged for the full amount. At this time my expected delivery of the item was XXXX XXXX. On XX/XX/XXXX I sent an email regarding the status of my item. A return email indicated that the time for delivery was now XX/XX/XXXX-XX/XX/XXXX. I agreed to the wait. \n\nXX/XX/XXXX after a couple of emails I was advised that my item would be ready in XX/XX/XXXX. There were several emails and a general email sent to waiting customers that indicated reasons for the delays. \n\nIn XX/XX/XXXX I inquired about my item and included a somewhat complaint within my email to the company. On XX/XX/XXXX I received the following reply : Your points are well taken. I appreciate your well-worded feedback. I will share your thoughts, especially re : communication, with XXXX so that we can better plan and staff for ongoing communication. Your math ( XXXX - XXXX ) is right. We build all our campers in order - no moving or skipping. I would only add that at the time of that XX/XX/XXXX email, you were actually # XXXX on the list as we were finishing up 3 campers that shipped a few weeks later in late XXXX. I was trying to be positive at the time noting that your order would be # XXXX after those 3 shipped. However, even counting those 3 campers does not dramatically change the rate - i.e. 17 campers vs. 14 ). \n\nI hope you can hang onto the end of the rope you mentioned. The investment we are making in production re-tooling and staffing this summer ( mentioned in XXXX 's video update ) will help us get your camper built faster than our historical pattern you noted. \nWith this response I decided to give it a little longer. I really wanted my item and the delays were somewhat reasonable until now. The company had also posted videos on XXXX to support the things they were telling customers. On XX/XX/XXXX the following was provided : XXXX XXXX XXXX Friends, I personally want to share with you an update on our company. As many of you already know, XXXX XXXX joined us in XXXX of this year to re-tune our manufacturing. By early XXXX, after digging into all that we do and then dividing it into small steps, we concluded that a plant re-work & some outside capital would be required to execute and to increase the production rate. By early XXXX, we had our plan outlined, we were moving things around and we began work on a relatively modest capital campaign. \nThe plant is now largely ready and were working with a group of angel investors to finalize the funding. I am happy to share that this is moving along well and were confident that the funding will close fairly soon, barring any external upsets. \nThis new capital will allow us to fully execute the manufacturing plan and enable us to reach a point where the business will hit production goals & timelines. Our hope was to have the capital available prior to XX/XX/XXXX, but unfortunately that has not happened - largely due to summer timing ( investor 's vacations, etc. ) and the legal structuring required. Its a lengthy process that is more complicated than we anticipated. \nAs a result of the timing and our limited cash-on-hand, XXXX XXXX, XXXX has reduced operations for a short time. We are operating at a minimum level, with principles only, and our focus is on closing the investment. We are all-in and diligently working to get the business over the present hurdles and to the next level. \nOnce the funds are in the bank, things will move fast. We have multiple campers ( more than 10 ) in varying stages of build and the completion of those units through the new line will happen quickly. Suppliers are primed and materials will be readily available to start filling the front half of our assembly line as well. \nAs always, production quality is our # 1 priority and we expect to ramp-up intelligently to build >10 campers per month. We fully expect to have every unit now under deposit ready to ship over the winter and all campers are being built in-order, with no exceptions. \nWe fully realize that the delays and long build-times have been frustrating and disappointing and we live with this pain every day. Many of you have missed trips and postponed plans because of this and a few of our customers have cancelled their orders. Our past inability to nail-down a delivery schedule has been tied to the overall production situation - preventing us from sharing updates/schedules that were anything other than broad estimations. This ongoing struggle was certainly not our plan and we apologize that we have not met our own goals. We are excited to begin operating with set timelines and predictable schedules as we move forward. \nWe hope that you will hang with us. A ton of updates and improvements have been made to the campers since those early units - and everyone will get the latest and greatest. Simply put, we believe we build the best campers and that you will ultimately be happy that you stuck with us. \nThat said, we are offering a full refund to those of you who paid your deposit in XX/XX/XXXX,  should you choose to cancel. This refund will be made at the earliest possible time after our financing closes. Sales to new customers will be reopening once the plant is running well and our updated price and options list will be made available soon. We have bundled many options into packages - similar to trim levels in the automotive industry - and certain features are now only available ( on new orders ) as part of those packages. \nIts easy for us to say its worth the wait, but we know this wait is not what you expected. Do know that we will provide updates to you every two weeks and well continue to be be upfront and transparent. Your patience deserves nothing less. \nThank you for understanding. \nSincerely, any copies thereof. Thank you. \n-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX At this point I decided to wait until the end of the year as XXXX XXXX had promised the delivery of all items. \nOn XX/XX/XXXX and email was sent indicating that the items order were not going to be delivered at the end of XXXX. However, the owner was still working on funding. But, it appears as if he was not returning deposits and there were indications that my funds had been along with others obtained what I feel through fraudulent means. \nAfter determining that I would not be receiving my item and feeling that my deposit had been obtained fraudulently. I contacted I contacted Capitol One in order to file a dispute in early in XX/XX/XXXX I filed the dispute with Capitol One over the phone ( Case number XXXX ) I was contacted by an Agent from Capitol One via telephone, and a message was left on my answering machine advising me of her name and extension ( XXXX Ext. XXXX ). I called that number four times and left a message with my contact information on XXXX, XXXX, and XXXX. I received no call back. \nOn XX/XX/XXXX I received a letter indicating that my account was credited and I needed to submit documentation and sign a letter. \nAround the XX/XX/XXXX I sent all documentation to the listed address in XXXX XXXX XXXX to include the signed letter. This was sent via the XXXX XXXX XXXX and was tracked and the items were received. A copy of the letter from Capitol One was included with the packet. This letter required my signature and included the case number. \nOn XX/XX/XXXX I received a letter indicating that my case was closed because of the lack of documentation. \nI promptly called Capitol One and once again talked to people ( XXXX, and XXXX ) regarding my situation. \nI called Capitol One on XX/XX/XXXX and spoke with XXXX and then XXXX. XXXX advised me that my case was denied because I did not provide documentation. I advised what I sent and after a while XXXX stated that the documentation may have been lost at the facility in Utah. I was then told to submit the documentation again along with a letter indicating I had not abandon my dispute. \nThis was done. \nAnother letter was received from Capitol One indicating that my dispute was beyond the time period.","date_sent_to_company":"2019-01-21T20:29:20.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"44240","tags":"Servicemember","has_narrative":true,"complaint_id":"3129872","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-01-21T20:05:35.000Z","state":"OH","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I <em>really</em> <em>wanted</em> my item and the delays were somewhat reasonable until now. The company had also posted videos on XXXX to support the things they were telling customers. On XX/XX/XXXX the following was provided : XXXX XXXX XXXX Friends, I personally <em>want</em> to share with you an update on our company. As many of you already know, XXXX XXXX joined us in XXXX of this year to re-tune our manufacturing."]},"sort":[5.4416943,"3129872"]},{"_index":"complaint-public-v1","_id":"2882217","_score":5.184845,"_source":{"product":"Student loan","complaint_what_happened":"I sent the below letter to Discover on XX/XX/XXXX. I have also written a letter to the President of the United States and the Attorney General. Now I am writing to the CFPB. This is a financial death sentence. I will never have stability or financial security in my entire life because all I am paying is interest on my loan balance. I took out {$100000.00} in student loans from XX/XX/XXXX-XX/XX/XXXX, have currently paid approximately {$50000.00} to them over the course of the last 11 years and my current total balance is over {$120000.00}. Do the math, it doesn't make sense. My rent is {$1400.00} per month, my car and insurance are {$550.00} per month. My gas, food/drink, necessities total about {$500.00} per month. My pet costs are {$50.00} per month. I have 1 student loan serviced by XXXX which is {$210.00} per month. I would like to have a future with my girlfriend and obviously that costs money so I save {$400.00} per month. $ 100- {$200.00} for emergencies and other unforeseen. My salary after taxes is {$3200.00} per month so that leaves me with {$0.00} and some months I am even in the negative if something happens and at XXXX years old I have to borrow money from my father. Do you have any idea how horrible that makes me feel. And this is month in and month out, I will NEVER escape this. Something needs to be done. I laid it all out there for everyone to see and still no one is willing to help. Please help! \n\nSEE BELOW ... \n\n\n\n\nXX/XX/XXXX To Whom It May Concern : I am one of the millions of students who have borrowed student loans from a private lender. My loans originated with XXXX and were transferred to Discover and recently XXXX, and possibly some others in between. I took out approximately {$110000.00} for my XXXX XXXX degree studies during the period of XX/XX/XXXX XX/XX/XXXX where I graduated in XX/XX/XXXX. Upon graduation I could not find work until XXXX of that same year where I worked at a XXXX XXXX making {$29000.00} per year. I could not afford to make any payments. My father, who cosigned my student loans, had lost his job in XX/XX/XXXX and had struggled to find work, doing mostly odd jobs and contract work. My parents divorced in XX/XX/XXXX and my father moved out into his own apartment. It was extremely difficult for my father to afford his own apartment at {$1200.00} per month on top of the mortgage payments for our house, which we kept so my younger sister and younger brother could attend the schools they had started at. He could not help me at the time so I scrambled around and tried to defer my payments. I was told I had to use forbearance which I did for about the entire year if I remember correctly. \nWhen things werent looking up job wise I decided I needed to jump start my career by attending XXXX XXXX, learning that my XXXX loans would be deferred during the time I spent enrolled in school. Therefore, I applied and was accepted to XXXX XXXX started my studies in XX/XX/XXXX. My parents sold our house in XX/XX/XXXX and my mother moved in with her boyfriend. During the summer sessions I would be harassed regularly by Discover and other loan providers within a week of my semester ending because they said during the summer months I was not enrolled and the payments started again, which was ridiculous and I had to continuously tell them I am in school but they argued with me because it showed I wasnt enrolled. When I graduated in XX/XX/XXXX I was immediately harassed again, even though I was studying for the XXXX XXXX and trying to complete what I had started, all because Discover wanted to get my money ASAP with no questions asked. I never did pass the XXXX XXXX. \nFrom XX/XX/XXXX until I moved back to New York in XX/XX/XXXX were a real struggle. I applied to over 800 jobs and did not receive a single offer. Moreover, I was only asked to come in for one interview, which was for a position I didnt even want and didnt get anyway. I worked with resume coaches, changed my resume 11 times, and tailored it to fit specific jobs which was a highly recommended tactic. Still nothing. I worked with my school and counselors to apply to all the jobs in my XXXX XXXX job bank which was specifically for recent graduates. I didnt receive any responses. All told, out of the 800 resumes I sent out, most including cover letters, writing samples, even letters of recommendation, I received 1 single interview, and about 40 or 50 form rejection emails. Yeah thats right, form as in I didnt even get a personalized response. I couldnt even get hired at XXXX or XXXX XXXX. The other ones just went unanswered. My father was paying all of the {$1300.00} per month in payments because Discover refused to offer us any options. My girlfriend had to support me because I had XXXX dollars and many times when I did get some money from my father or from doing an odd job like participating in research study for a measly {$60.00}, I would just give it to her to try and help with bills. Needless to say, the relationship crumbled and I was XXXX  and I packed up my stuff and had to move home. \nI arrived back home in XX/XX/XXXX and started applying for jobs. I had missed 3 months of payments because I had no money and now had to play catch up by making sure I did not default. I went for an interview in XX/XX/XXXX in a  position working as a XXXX XXXX. I did not hear back until XX/XX/XXXX. In between that time, I applied to hundreds of other jobs. My father talked to everyone he knew ; my mother did the same and even my step-mother helped and found me things to apply to. I spoke with countless people retooling and revising my resume again, but no one could do anything about getting me a job or even an interview. I still wasnt getting interviews no matter what I did. When I got called in for an interview for the XXXX XXXX position, I finally gained a full-time job for the first time since XX/XX/XXXX. I started in XX/XX/XXXX making {$53000.00} per year. Finally, around that time Discover came out with a program to reduce my payments for 3 months or 6 months I believe, provided I make 6 months of on-time payments, which I did. I was grateful for that but clearly my financial situation wasnt going to change and all the money I saved would just be recycled right back to them after it was up, which is exactly what happened because the payments went up even higher than before I did reduced payments and all the money I \" saved '' was gone in 3 months and we had to start all over again. The XXXX XXXX job however was a dead-end. I would never reach a position that would fulfill me or pay me a high enough salary to justify the money I took out for student loans between XXXX and XXXX XXXX. So I searched for something better and found it at a prestigious XXXX XXXX in XXXX XXXX XXXXXXXX. \nI started in XX/XX/XXXX. I received an offer for {$50000.00}, which was less than what I was making, but this was one of the most prestigious XXXX   in not only the country, but the world. I knew there were endless opportunities for advancement and I was excited. However, that died quickly. I made it clear I wanted to eventually work my way into an XXXX XXXX   position, and the XXXX  was receptive of the idea. However, within 6 months and a couple reviews with my bosses they made it clear that it would be next to impossible for that to happen. Feeling lied to and cheated I left the XXXX in XX/XX/XXXX with the hopes of working for XXXX XXXX. A relative worked there and a position opened up and she was able to get me an interview. All the paperwork was being finalized and I had received a preliminary offer, only to have it rescinded when it was brought to the head of Human Resources, who said because I would be reporting to my boss, who was also my relative 's boss, even though our work was unrelated, it was a conflict of interest. So once again, I was out of a job. I applied to 1200 jobs in the next six months. I again reworked my resume, revised my cover letters and still only received 12 interviews, 6 of which were with job placements agencies, who all promised to get me work but never could. Only one agency even responded after our initial interview. Everyone said all I had was legal experience and because I went to XXXX XXXX no one was going to hire me as a paralegal. So now I am being blacklisted from being a paralegal even though I had a XXXX XXXX! It was the most ridiculous thing I had ever heard. Around 50 % of employers wont consider a XXXX XXXX ( XXXX. degree you received from graduating XXXX school ) for a XXXX   position, for whatever reason. Either, I didnt complete a XXXX  certificate, or they thought once I passed the XXXX XXXX I would leave. In a way it was like I was overqualified but at the same time underqualified. Many of the people at these agencies said I was in a really bad spot and all of them suggested I just sit for the XXXXXXXX again because being an XXXX was all that would help me. So basically, I had no options. I took the XXXX XXXX six times and I didnt pass it. They only offer it twice a year and I had to work during that time so what am I supposed to do if no one will hire me? Again, loans kept piling up as they had been for 10 years at this point. \nFinally in XX/XX/XXXX I got hired doing contract review work as a XXXX. {$25.00} per hour, no health insurance, no benefits. Just 40 hours per week. I worked there until XX/XX/XXXX where by a stroke of luck I visited a friend from XXXX XXXXl prior to attending another friends wedding. His wife was working at a startup and offered to talk to her boss and try to get me hired. I didnt think much of it until she said I would have a phone interview with him next week. When it came time I was prepared, we spoke for about 45 minutes. The next day he offered me the job I currently have now. I started in XX/XX/XXXX and I work as an XXXX XXXX making {$55000.00} per year. \nI now live with my girlfriend. We moved out here because she was relocated for her new job. I work from home so I can work from anywhere. The past year my payments had been reduced substantially from {$1200.00} to {$420.00} per month. This has helped a lot but it is still not enough. It is insanely expensive out here but we came for my girlfriends job. I make {$3000.00} per month after taxes, insurance, etc., so calculating all my expenses and subtracting them for that I am left with around $ 50-100 for myself which I can not even save because it has to go to Discover, and my father helps me with the rest. Basically, I am operating in the red as it is and have been for quite some time. I have XXXX savings, no 401K, no  pension, no other benefits at all. It would be nice to save money for you know this thing called life. But Discover is stripping me of those privileges to have a normal life because you force me to pay what will now be {$1300.00} per month because of another variable rate increase, and are no longer offering me any assistance and are refusing to reduce my payments. Sure, they offered me reduced payments for a year. Big deal! Unless you win the lottery or somehow magically get a raise to {$200000.00} per year your financial situation isnt going to change in a single year. I will never be able to pay off this debt in my lifetime, given the insane amount of interest you are charging me. If you simply just stopped charging me interest I would have a chance to pay it off. My original loan amount for XXXX was approximately {$110000.00}. Currently, my balance is {$100000.00}. How is that possible?! That is the most ridiculous thing I have ever heard. I have paid Discover, XXXX, XXXX, ( whichever lender handles my student loans now since they change so frequently ) approximately {$50000.00} to {$60000.00} over the lifetime of this loan. Yet somehow my balance is MORE than it was when I graduated from college in XX/XX/XXXX. It makes absolutely no sense. You have already been paid that money. The logical decision to make here, really the only educated decision, that will ensure I pay this off, which is what Discover should want, is to stop the interest from accruing and let me pay off my Principal Balance. I am not trying to get out of paying my student loans completely, I want to pay them, but I can not afford what amounts to a second rent payment per month. I do not make that much money and I do not see that changing anytime soon. I am more than willing to fulfill my end of the agreement when I signed for my student loans and entered into a contract. All I am asking for is a little help so I can make these payments while still being able to afford all other necessities and try and start a life with my girlfriend. At this point we will NEVER be able to own a home. \n\n\nTherefore, I propose three options : 1. Grant me additional deferrment/forbearance. My financial situation is not going to change overnight, but I feel I have a good job with room to grow and I am finally happy at it, which is the most important thing. If I did not have to make a payment for five years ( 60 months ) ( NOTE : WITHOUT INTEREST ACCRUING ) this would allow me to save money and put me in a much better position financially so I could pay a higher amount per month, such as ~ {$1200.00}. This option only works if interest does not accrue during the forbearance time. After completion of the five years I would resume making full amount ~ {$1200.00} payments until my Principal Balance is paid off. We can figure out the exact figures this is just an estimate ( Again, this only works if NO interest accrues ) 2. Stop the interest altogether and subtract what I have paid from my original balance. I have paid you approximately {$50000.00} from my calculations, give or take. My original loan amount was approximately {$110000.00}. Subtract that and I have {$60000.00} remaining. I will then pay {$1000.00} per month for five years ( 60 months ) and the loan will be paid off and removed from my records. We  can figure out the exact figures this is just an estimate. NOTE : This option also only works if there is NO INTEREST ACCRUING. \n\n3. Reduce my payments permanently. I was able to manage paying the {$420.00} per month right now. It is difficult to pay more without incentive to do so, especially since I am basically only paying interest and not any of the principal, as evidenced by the fact that I still somehow have {$100000.00} remaining, even though I have paid you around {$50000.00} which has basically been all interest. Clearly thats not fair. However, if the interest means that much to you I will continue paying it if you lower my monthly payments permanently. With this option, I will pay {$270.00} per month and will pay the remaining {$100000.00} with NO ADDITIONAL INTEREST from this point forward. Clearly the idea here is to allow me to pay them off and not have me paying them until the day I die, and I should be afforded that option on my terms. By my calculations {$100000.00} divided by {$270.00} = 378 months or 31 years 6 months, so I will pay off these loans by retirement age of XXXX years old.  Even with this option, you will have made approximately {$40000.00} off of me. Again, we can figure out the exact figures this is just an estimate. \n\nI offer these options because, again, I am not trying to get out of these loans. But I am not paying one cent more in interest. I owe you approximately {$110000.00} in total, not {$110000.00} plus $ 50,000+ in interest. I took these loans out when I was only XXXX years old, with the help of my parents, who were in a much better financial position than they were a mere 3 years later. Sure we took out the loans, but we also didn't ask for the XX/XX/XXXX market collapse. But to make me pay {$1300.00} per month, while interest accrues means I will never pay them off in this lifetime. Couple that with the fact that I also have federal student loans for XXXX XXXX and I am certainly never getting out of debt unless I somehow win the lottery or come into a lot of money by some other miracle. I will never be able to own a home, put my own future children through college, etc. I can not even get a credit card even though my credit score is XXXX, because I have too much total debt. \n\nPlease afford me the opportunity to pay off this debt by changing the terms. Pick one of the three options, or I would certainly be open to having a dialogue where we could discuss another option that maybe you come up with. I can not pay {$1300.00} per month without knowing what is in store for the future of this loan. I need guidelines and I need deadlines. Help me so we can come to an agreement. \n\nAlso, please do not give me an explanation about the whole if you make an exception for me you have to do it for everyone nonsense. That is a cop out. You have every right to make your own decisions on my behalf and other borrowers do not matter and have no bearing on my situation. I am the one putting forth all the effort to better my current situation and help me plan for a future I would like to have, without this crippling debt ruining it. \n\nI apologize for the length of this letter I just wanted to make sure you knew the whole story. If you have any questions do not hesitate to contact me. \n\nThank you for your time and I hope we can discuss my options soon. \n\nRespectfully, XXXX","date_sent_to_company":"2018-04-20T20:46:50.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"95035","tags":null,"has_narrative":true,"complaint_id":"2882217","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2018-04-20T19:59:03.000Z","state":"CA","company_public_response":null,"sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["I apologize for the length of this letter I just <em>wanted</em> to make sure you knew the whole story. If you have any <em>questions</em> do not hesitate to contact me. \n\nThank you for your time and I hope we can discuss my options soon. \n\nRespectfully, XXXX"]},"sort":[5.184845,"2882217"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":16,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":16}]}},"product":{"doc_count":16,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"VA mortgage","doc_count":3},{"key":"Conventional home mortgage","doc_count":1},{"key":"FHA mortgage","doc_count":1},{"key":"Home equity loan or line of credit (HELOC)","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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