{"took":695,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":300,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4621746","_score":21.50999,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This morning I did a search of my credit files and scores. I received feedback of XXXX  from XXXX, With that in mind I sought out a loan only to validate with the bank my score was in the mid XXXX  range. { OH they use a different calculation ] more scam! More $ $ $ $ or declined and put into financial bondage. Furthermore disputed items were still on the report as example XXXX XXXX XXXX and other disputes did NOT have the commentary which THEY claim I can make, Needless to say I will now get a DROP because I was unable to secure lending.with that XXXX  rate. Now there are 117 reports this year alone opened and NONE, ZERO, NADA RESOLVED. Forget the hundreds more from prior years or that the sample are merely my wife 's and none of mine.. So by opinion of works you can only send letters and close accounts. Anyone reading any of these will find NO resolution because the Bureaus can not. They can only make excuses and whatever the bank or lender states is gospel and the consumer the problem. As for you the CFPB shame on you ... .you carry a heavy chain throughout life and have no real care or concern- did the checks come in? \n\nNeed some- Submit a Complaint Your complaints XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX  XX/XX/2021 Open Company XXXX is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Credit monitoring or identity theft protection services XXXX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX I do not know False statements or representation XXXX XXXX XXXX XX/XX/2021 Closed Sent to Regulator FTC XXXX I do not know False statements or representation XXXX  XXXX XXXX XXXX XX/XX/2021 Open Sent to Company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX  XX/XX/2021 Closed Marked as a duplicate complaint on XX/XX/2021 XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Checking account Problem with a lender or other company charging your account XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX  XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XXXX XXXX , XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded Page number out of 17 total pages of 17","date_sent_to_company":"2021-08-11T17:32:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"346XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4621746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-08-11T17:32:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["XX/XX/2021 Closed Marked as a duplicate complaint on XX/XX/2021 XXXX <em>Checking</em> <em>account</em> Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em> XXXX XXXX XX/XX/2021 Closed Company <em>responded</em> XXXX Credit reporting Incorrect information on <em>your</em> report XXXX  XX/XX/2021 Closed Company <em>responded</em> XXXX <em>Checking</em> <em>account</em> Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em> XXXX  XX/XX/2021 Closed Company <em>responded</em> XXXX Credit reporting Problem with a credit reporting company 's investigation into"],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[21.50999,"4621746"]},{"_index":"complaint-public-v1","_id":"4621608","_score":21.41046,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This morning I did a search of my credit files and scores. I received feedback of XXXX from Experian, With that in mind I sought out a loan only to validate with the bank my score was in the mid XXXX range. { OH they use a different calculation ] more scam! More $ $ $ $ or declined and put into financial bondage. Furthermore disputed items were still on the report as example XXXX XXXX XXXX and other disputes did NOT have the commentary which THEY claim I can make, Needless to say I will now get a DROP because I was unable to secure lending.with that XXXX rate. Now there are XXXX reports this year alone opened and NONE, ZERO, NADA RESOLVED. Forget the hundreds more from prior years or that the sample are merely my wife 's and none of mine.. So by opinion of works you can only send letters and close accounts. Anyone reading any of these will find NO resolution because the Bureaus can not. They can only make excuses and whatever the bank or lender states is gospel and the consumer the problem. As for you the CFPB shame on you ... .you carry a heavy chain throughout life and have no real care or concern- did the checks come in? \n\nNeed some- Submit a Complaint Your complaints XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Open Sent to company XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX  XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Credit monitoring or identity theft protection services XXXX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX I do not know False statements or representation XXXX  XXXX XXXX  XX/XX/2021 Closed Sent to Regulator FTC XXXX I do not know False statements or representation XXXX  XXXX XXXX XXXX XX/XX/2021 Open Sent to Company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Checking account Problem with a lender or other company charging your account XXXX  XXXX  XX/XX/2021 Closed Marked as a duplicate complaint on XX/XX/2021 XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed XXXX XXXX XXXX Checking account Problem with a lender or other company charging your account XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EXPERIAN XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XXXX XXXX , XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed Company responded Page number out of 17 total pages of 17","date_sent_to_company":"2021-08-11T17:32:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"346XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4621608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-08-11T17:06:57.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["XX/XX/2021 Closed Marked as a duplicate complaint on XX/XX/2021 XXXX <em>Checking</em> <em>account</em> Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em> XXXX XXXX XX/XX/2021 Closed Company <em>responded</em> XXXX Credit reporting Incorrect information on <em>your</em> report EXPERIAN XX/XX/2021 Closed XXXX XXXX XXXX <em>Checking</em> <em>account</em> Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em> XXXX  XX/XX/2021 Closed Company <em>responded</em> XXXX Credit reporting Problem with a credit reporting company 's investigation into an"],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[21.41046,"4621608"]},{"_index":"complaint-public-v1","_id":"3542692","_score":17.92148,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I took out a payday loan with 605 Lending ( FSST Management Services , LLC, d/b/a 605 Lending (  referred hereinafter as 605 Lending, LLC ) ) for the amount of {$500.00} after experiencing an emergency. At the time, I was asked to call to complete the loan process where they say their script on the contract, outlining that the agreement I was to be spent should be signed online to complete the process. All this time, the person who is handling my case is providing me with an overview about the interest minimally -- as in the rates are stated on the agreement that they then asked me to sign and submit while they were on the phone with me. I did not have a chance to go through the exact fine print or terms, but was able to see the percentages at the top and the amount owed. They also said that I was to make payments for the next 12 months bi weekly as per my pay schedule, and I went through and logged each upcoming pay date. They also showed via the page I was provided that the loan would be charging an AYP of what at the time I thought was 440 %. Very expensive but being desperate and pressured I signed and received the funds. Later, I was able to log into the account and reread the loan terms but noticed there was a higher interest rate than I previously saw at over 775.96 % and each payment would be {$150.00}, making the loan well over the originally borrowed {$500.00}. I paid as the terms were outlined though unhappily, especially since no one covered nor is it stated how the principal amount would be payed using my payments. As time moved forward and a few payments were made I had a few issues with early payment processing and subsequent overdrafts on my end and asked the company to switch from ACH debit via writing/ email. They agreed, but sent a LONG email with a gist of \" Remember to follow the terms YOU signed and pay this loan, etc. '' which I understood and said thank you for. In this same email I saw that they were then asking that I send my payment or call in for payment 3 DAYS PRIOR to my original due date and that if i did not I was by proxy allowing for them to sign a check in my name for the amounts owed. I declined and called them asking to make sure they knew not only was this not acceptable but unwelcome. I also said that I would not pay until my due date which is my right as the consumer but was met with the same \" Follow your agreement '' line. I again stated this was not acceptable and again tried to reach out where I was again met with opposition. Upon further reading the agreement, they have a section labeled under the ACH/ Debit section stating that as the signee I \" may not revoke the authorization to prepare and submit drafts on my behalf until such times as the loan is paid in full ''. Under thisclause is then another clause stating another payment option called a \" REMOTELY CREATED CHECK ( RCC ) AUTHORIZATION '' and is outlined as such : \" If you elect to make your payments by remotely created check ( otherwise known as a demand, draft, XXXX, preauthorized draft or paper draft ), then by electronically signing this Payment Authorization Agreement you authorize Lender to create checks bearing your name and other information as may be required under applicable law, rather than your handwritten signature, drawn on your bank account below, and to submit each check for payment to your bank or financial institution ( Remotely Created Check ) in the amount of each payment due, under the payment schedule or otherwise to Lender under this Agreement or any amount on any dates on which you and Lender later agree. \nIf a remotely Created Check is returned unpaid by your bank or financial institution, then you authorize Lender to create and submit a Remotely Created Check for any late fees or other amounts accrued pursuant to this Agreement. You agree that your typed name or other designation mandated by applicable law will constitute your authorized signature fully reflecting your intent to authenticate any such Remotely Created Check. If you believe the Lender charged your bank in a manner not contemplated by this Payment Authorization Agreement, then please contact Lender. '' After speaking with my bank the tellers both through the online service and at the physical locations ( separate occasions ) said that an ACH and an echeck are basically the same and by revoking one I revoke the other concurrently. Also, If i do not personally authorize each check it is considered fraudulent. \n\nAt this point I have tried to with no success ask that the lender kindly stop auto drafting from my account but to no success. to date, I have paid {$1200.00} with a remaining balance of {$480.00} -- all of which I am totally unsure as to how I will repay without these drafts. I have contacted the company multiple times and have even attempted to facilitate the issue through the XXXX XXXX XXXX of whom the company did not respond. I am seriously unsure how to proceed and worry this lender will use their means to further hinder my ability to pay off this loan and escape this predatory financial situation.","date_sent_to_company":"2020-02-26T18:23:16.000Z","issue":"Can't stop withdrawals from your bank account","sub_product":"Payday loan","zip_code":"96740","tags":null,"has_narrative":true,"complaint_id":"3542692","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Flandreau Santee Sioux Tribe","date_received":"2020-02-24T20:22:44.000Z","state":"HI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["If a remotely Created <em>Check</em> is returned unpaid by <em>your</em> bank or financial institution, then you authorize <em>Lender</em> to create and submit a Remotely Created <em>Check</em> for any late fees or <em>other</em> amounts accrued pursuant to this Agreement. You agree that <em>your</em> typed name or <em>other</em> designation mandated by applicable law will constitute <em>your</em> authorized signature fully reflecting <em>your</em> intent to authenticate any such Remotely Created <em>Check</em>."],"issue":["Can't stop withdrawals from <em>your</em> bank <em>account</em>"]},"sort":[17.92148,"3542692"]},{"_index":"complaint-public-v1","_id":"3757863","_score":16.409763,"_source":{"product":"Mortgage","complaint_what_happened":"I tried to pay my mortgage online and was hit with these new terms and conditions regarding my online payments moving forward. I did not want to agree to these terms so I proceeding to skip this page and proceed with my payment. When I click \" continue to next page '' it did not proceed to next page. I was blocked from making my mortgage payment unless I click the \" agreed to terms '' box. I submitted 3 secure message emails to \" Dovenmuehle Mortgage Inc '' who is servicing my mortgage, to please explain in detail including names, addresses, phone numbers, email address etc, who is \" THE LENDER ''. I Indicated in my email, NO PHONE CALLS, please respond via email to my request. This company won't respond to my request by secure email. Please read terms below : PLEASE RETAIN THIS PAGE FOR YOUR RECORDS AUTHORIZATION AGREEMENT FOR A ONE-TIME DRAFT XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX I ( we ) hereby authorize XXXX XXXX XXXX XXXX XXXX and its successors, assigns, authorized agents including Dovenmuehle Mortgage , Inc. or any entity servicing my loan on their behalf ( hereinafter called THE LENDER ) as I indicate on the next screen to initiate a mortgage payment debit to my ( our ) indicated Checking or Savings Account, and debit the depository named for the indicated account. \n\nI ( we ) understand that if any debit entries under this authorization are returned for insufficient funds or otherwise dishonored, I ( we ) will promptly send THE LENDER the total payment due, plus any late charge ( s ) or other fees due under my mortgage. \nI ( we ) authorize THE LENDER to electronically credit my ( our ) account if necessary, to correct erroneous debits. \nI ( we ) agree that ACH transactions I ( we ) authorize comply with federal law. \nI understand if my payment is returned by my bank, I may be charged a fee. \nThis authorization is to remain in full force and effect until THE LENDER has received written notification from me ( us ) of its termination in such time and such manner as to afford THE LENDER a reasonable opportunity to act upon it. THE LENDER may terminate this agreement at any time, with written notice sent to me.","date_sent_to_company":"2020-07-22T11:23:35.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3757863","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Dovenmuehle Mortgage, Inc.","date_received":"2020-07-22T11:01:39.000Z","state":"CO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I ( we ) understand that if any debit entries under this authorization are returned for insufficient funds or otherwise dishonored, I ( we ) will promptly send THE <em>LENDER</em> the total payment due, plus any late <em>charge</em> ( s ) or <em>other</em> fees due under my mortgage. \nI ( we ) authorize THE <em>LENDER</em> to electronically credit my ( our ) <em>account</em> if necessary, to correct erroneous debits. \nI ( we ) agree that ACH transactions I ( we ) authorize comply with federal law."]},"sort":[16.409763,"3757863"]},{"_index":"complaint-public-v1","_id":"3156484","_score":16.088879,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"After many phone calls to XXXX XXXX they refuse to answer the phone on a Charge that i never sign or had any dealings with! From a Merchant with no consent nor was any card swipe or used!!!!  THIS MERCHANT STOLE FUNDS MY ACCOUNT CALLED XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, NY Transportation Edit - $ XXXX-Under the FCBA, your liability for unauthorized use of your credit card tops out at {$50.00}. However, if you report the loss before your credit card is used, the FCBA says you are not responsible for any charges you didnt authorize. If your credit card number is stolen, but not the card, you are not liable for unauthorized use.If your credit, ATM, or debit card is lost or stolen, federal law limits your liability for unauthorized charges. The XXXX XXXX place a fake charge on the account. But Why??? Credit Card Loss or Fraudulent Charges Under the FCBA, your liability for unauthorized use of your credit card tops out at {$50.00}. However, if you report the loss before your credit card is used, the FCBA says you are not responsible for any charges you didnt authorize. If your credit card number is stolen, but not the card, you are not liable for unauthorized use.If you report an ATM or debit card missing before someone uses it, the EFTA says you are not responsible for any unauthorized transactions. If someone uses your ATM or debit card before you  report it lost or stolen, your liability depends on how quickly you report it : The liable for those transactions are XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, NY not so superior! \nPlease Note : Most fraud prevention features are designed for card-present environments. Visa, for example, has deployed a number of anti-fraud measures designed to make card reproduction extremely difficult, including holograms and embossed security characters on the face of the card. Moreover, the signature and magnetic strip on the back of the card are designed to ensure that the person using the card is the actual cardholder. Merchants are not liable for fraud when card-present transactions are properly authenticated. \nOnline platforms, however, typically facilitate card-not-present transactions ( card payments made without physically swiping a card ). On a website, buyers enter credit card data into a form they do not hand their card to a cashier. Unfortunately, card-not-present transactions are highly susceptible to fraud and abuse, for which merchants and payment facilitators are held liable. \nChargebacks. \nWhen a cardholder disputes a charge with their bank ( the issuing bank ), the bank may reverse the payment and refund the cardholder, after an investigation. This is called a chargeback. \nCardholders are protected from the financial liability of unauthorized credit card transactions by Regulation Z of the Truth in Lending Act and unauthorized debit card transactions by Regulation E of  the Electronic Fund Transfer Act. Card Associations have even broader rules with further added protections. When fraudulent transactions do occur, a well-defined chain of liability determines who is ultimately responsible for making restitution to the cardholder. Payment facilitators must recover chargebacks from merchants who generate them, or else write off the full amount of the chargeback as a loss. \nFor chargebacks resulting from card-not-present transactions, the issuing bank recovers the funds from the merchants bank ( the acquiring bank ), and the acquiring bank recovers the funds from the merchant. \nSince most chargebacks are received weeks or months after the original payment, it is sometimes difficult to recover the funds from the merchant. This is why acquirers are so conservative in their underwriting : an acquirer will typically research the financial stability, creditworthiness, and underlying riskiness of a business ; it will implement special funding policies ( such as reserves or holdbacks ) to  mitigate loss ; and it will require personal guarantees from business owners, whom it will hold personally liable for the businesss financial obligations. \nConsumer Protections Available Regulation Z The Truth in Lending Act ( TILA ), as implemented by Regulation Z, provides a billing error dispute process for open-end credit, such as credit cards. In order to take advantage of the protections offered by Regulation Z, you must notify the lender of any billing errors by : providing the notice in writing, enabling the lender to identify your name and account number, stating why you believe there is a billing error, including the type, date, and amount of the error, and sending the notice in a timely manner so that the lender receives it, at the address specified for billing inquiries, no later than 60 days after the lender sent the first billing statement reflecting the error. \nOnce you properly notify the lender about an error on your statement, it must acknowledge that it received this notification within 30 days, unless the problem has been resolved. The lender must investigate and resolve the issue within two complete billing cycles ( but in no event later than 90 days ) after receiving the billing error notice.\n\nWhile the lender conducts its investigation into the billing error : You may withhold payment of the disputed amount and related charges ( but any part of the bill not in question, including finance charges on undisputed amounts must be paid in accordance with account terms ).\n\nThe lender may not take legal or collection action on the disputed amount.\n\nThe lender may not report your account as delinquent, accelerate your debt, restrict your account, or close your account.\n\nIf the lender confirms there is a billing error on your account, it must send you a written explanation of the corrections made to your account. In addition to crediting your account for the disputed amount, the lender must also remove all finance charges, late fees, or other charges related to the error. If the investigation reveals no error occurred, it must send you a written explanation of the amount you owe, and you are responsible for paying the disputed amount, plus any finance charges that accumulated during the investigation. \nYou may request copies of relevant documents used in the lenders investigation. If you disagree with the results of the investigation, you may write to the lender within 10 days after receiving the explanation, and you may indicate that you refuse to pay the disputed amount. The lender may begin collection procedures and may report your account as delinquent to credit reporting agencies, but it must also note that you disagree with the amount owed.\n\nIn addition to the consumer protections associated with billing errors, Regulation Z also contains special credit card provisions that limit your liability for unauthorized use of a credit card. A credit card holders liability is limited to {$50.00} for unauthorized use before the cardholder notifies the card issuer. Notification may be given in person, by telephone, or in writing.\n\nRegulation E The Electronic Fund Transfer Act ( EFTA ), as implemented by Regulation E, provides basic protections for consumers with electronic direct deposits or who use debit cards to access their deposit account held directly or indirectly at a bank. These protections include timeframes by which a bank must investigate and determine whether an error occurred when you notify your bank of an error and, in some cases, requirements to provide provisional credit while the investigation is performed. \nFor example, if you notify your bank of a potential account error, Regulation E requires a bank to investigate and determine whether an error occurred within 10 business days of receiving your notice ( or 20 business days for new accounts ). If a bank is unable to complete its investigation within the appropriate timeframe, it may take up to 45 days to determine whether an error occurred. But in these cases, banks must generally provide consumers with a provisional credit to their account within 10 days of the bank receiving the error notice. Also, banks must notify consumers about the provisional credit within two days of providing the credit.\n\nSome banks may require you to submit an error notice in writing after you provide notice orally. If the bank does not receive written confirmation within 10 business days of receiving the initial notice of an error, the bank is not required to provide provisional credit. The time period for the investigation may be extended to 90 days if the error involved an electronic transfer initiated outside of the United States, a point-of-sale debit card transaction, or a transaction involving a new account within 30 days of being opened.\n\nIf the bank determines there is an error on your account, it must correct the error within one business day after confirming it and report the results to you within three business days after completing its investigation ( including, if applicable, notice that a provisional credit has been made final ).\n\nIf a bank determines that no error occurred or that an error occurred in a manner or amount different from that described in your notice, the bank must send a written explanation of its findings and note your right to request the documents the bank relied on for its investigation. When the bank debits the funds provisionally credited to your account during the investigation, it must provide you with the date and amount debited. In addition, the bank must inform you that it will honor checks, drafts, or similar instruments payable to third parties and preauthorized transfers from your account ( without charge as a result of an overdraft ) for five business days after the notification.\n\nDisputing a Credit Card Billing Error Many credit card issuers have policies against sellers charging a credit card account before shipment. If you think a seller charged your account too soon, report it to the credit card issuer. Otherwise, the issuer has no way to know the seller isnt following its policies.\n\nTo dispute the billing error with your credit card issuer, you must : write to the credit card issuer at the address given for billing inquiries, not the address for sending your payments, and include your name, address, account number, and a description of the billing error. Use our sample letter.\n\nsend your letter so that it reaches the credit card issuer within 60 days after the first bill with the error was mailed to you. Its a good idea to send your letter by certified mail ; ask for a return receipt so you have proof of what the credit card issuer received. Include copies ( not originals ) of sales slips or other documents that support your position. Keep a copy of your dispute letter.\n\nThe credit card issuer must acknowledge your complaint, in writing, within 30 days after receiving it, unless the problem has been resolved. The issuer must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting your letter.\n\nYou may withhold payment on the disputed amount ( and related charges ) during the investigation. You must pay any part of the bill not in question, including finance charges on the undisputed amount.\n\nThe credit card issuer may not take any legal or other action to collect the disputed amount and related charges ( including finance charges ) during the investigation. While your account cant be closed or restricted, the disputed amount can be applied against your credit limit.\n\nBut what if You placed an order with a catalog company and they charged your credit card immediately. The catalog company contacts you two weeks later and says the shipment will be delayed 60 days. You agree to the delay. The 60 days have passed, and you may be outside of the time to dispute the charges. Can you still dispute the charge?\n\nMaybe. When a shipment is delayed, credit card issuers often are more generous when they calculate the time for allowing disputes, and may extend the 60-day period. To take advantage of this flexibility, include the following information in your dispute letter.\n\nTell the credit card issuer if you didnt expect to be charged for the merchandise before it was shipped. Some credit card issuers make an exception to the general industry rule against sellers charging before shipping if the seller tells you about its practice at the time of sale. If youre sure the seller said nothing or wasnt clear about its charge practice, the credit card issuer is more likely to allow the dispute.\n\nTell the credit card issuer when delivery was expected. Some issuers use the expected date of delivery rather than the charge date as the start time for you to dispute charges. If you dispute the charge within a reasonable time after the expected delivery date passes, chances are good that the card issuer will honor the dispute. When you order or when a seller notifies you of delayed shipment, its important to keep a record of the promised shipment or delivery date. Include a copy of any documentation of the shipment or delivery date when disputing the charge with your card issuer.\n\nDisputing a Debit Card Charge The consumer protections for a debit card differ from protections for a credit card. You may not be able to dispute a debit and get a refund for non-delivery or late delivery. Still, some debit card issuers may voluntarily offer protections and solutions to problems like not getting merchandise you bought with a debit card. See our sample letter, and contact your debit card issuer for more information.\n\nYour Rights When Shopping by Phone, Mail or Online The Mail, Internet, or Telephone Order Merchandise Rule applies to most goods you order by mail, phone, fax, or online. It requires sellers to have a reasonable basis for claiming they can ship an order within a certain time and details what sellers should do if there is a delay.\n\nShip Dates By law, a seller should ship your order within the time stated in its ads or over the phone. If the seller doesnt promise a time, you can expect it to ship your order within 30 days.\n\nThe shipment clock begins when the seller receives a properly completed order. That includes your name, address and payment ( check, money order or authorization to charge an existing credit account whether the account is charged at that time or not ).\n\nIf the seller doesnt promise a shipping time, and you are applying for credit to pay for your purchase, the seller has an additional 20 days ( 50 days total ) to establish the account and ship the merchandise.\n\nDelays If the seller is unable to ship within the promised time, it must notify you, give a revised shipping date and give you the chance to cancel for a full refund or accept the new shipping date. The seller also must give you some way to exercise the cancellation option for free for example, by supplying a prepaid reply card or staffing a toll-free telephone number.\n\nIf you dont respond and the delay is 30 days or less its assumed that you accept the delay and are willing to wait for the merchandise.\n\nIf you dont respond and the delay is more than 30 days the order must be canceled by the 30th day of the delay period and a full refund issued promptly.\n\nIf the seller cant meet the revised shipping date, it must notify you again by mail, email or telephone and give you a new shipping date or cancel your order and give you a refund.\n\nThe order should be canceled and a refund issued promptly unless you indicate by the revised shipping date that you are willing to wait.\n\nIf you dont respond to the second notice, the seller should assume that you are not willing to wait issue a full refund promptly.\n\nRefunds If you pay by cash, check or money order, or a non-seller credit card, the seller must give you a refund within seven working days after the order is canceled.\n\nIf you pay by credit card where the seller is the card issuer, the seller must credit your account within one billing cycle after the order is canceled.\n\nShopping Tips Follow these tips for hassle-free shopping.\n\nConsider your experience with the company or its general reputation before you order. If youve never heard of the seller, enter its name in a search engine with words like complaint or scam, and read about other peoples experiences with the company. In addition, contact your state Attorney General, and local consumer protection agency to see if any complaints are on file.\n\nCheck out the companys refund and return policies, the items availability, and the total cost of your purchase before you place your order.\n\nGet a shipment date.\n\nKeep records of your order, like the website, ad or catalog from which you ordered ; the companys name, address and phone number ; any promises the company made about shipping and when they were made ; the date of your order ; and a copy of the order form you sent to the company. If youre ordering by phone, keep a list of the items, their stock codes, and the order confirmation code ; your canceled check or the charge or debit statement showing the charge for your order ; and any communications to or from the company.\n\nTrack your purchases. When you order online, keep printouts of the web pages with the details of the transaction, including the sellers return policies, in case youre not satisfied.Complaints help the FTC and other law enforcement agencies bring scam artists to justice and put an end to unfair and misleading business practices. If you have a complaint, file it online or call XXXX. \nCredit Cards, Personal Finance At XXXX, we adhere to strict standards of editorial integrity to help you make decisions with confidence. Many or all of the products featured here are from our partners. Heres how we make money. \n\nIf you see a purchase on your credit card statement that you didnt make, be sure to correct the mistake right away. It could be a simple mistake like a double swipe of your card, for example or it could be someone trying to make a little extra money off of a restaurant bill. Heres how to fix a mistake on your statement, and to make sure youre safe. \n1. Talk to the merchant Before you get yourself involved in a lengthy formal dispute, speak with the merchant. Bring your receipt and credit card statement, and take the time to explain the discrepancy. The merchant may clear up the mistake without having to involve the credit card company. If not, take your complaint to the next level. \n2. Prepare your paperwork While the error on your statement might seem obvious to you, you still need to make a strong case. Keep a record of the receipts, credit card statement and anything else that can add to the paper trail. Errors to look out for include : Returns that didnt lead to a credit on your statement.\n\nErroneous dates.\n\nBills sent to the wrong address ( so long as youve notified your creditor of your address change within 20 days ).\n\nMathematical errors. \nAnd, of course, charges for purchases you didnt make. \n\nGather any relevant receipts and documents supporting your claims and make copies. Keep the originals for your records, and gather the copies for your creditor. \n\nRemember : Never give your account information to someone you dont know, and avoid emailing sensitive data like your account number or Social Security number. Also, never give your information when a caller claims to represent your bank or card issuer. Instead, say youll call back, then call the customer service number listed on the banks website or the back of your card. Dont fall victim to a scam! \nWrite to your creditor Within 60 days of receiving the bill in question, send a letter outlining your objection and copies of your proof in an envelope addressed to your creditors department for billing inquiries. To be on the safe side, send the letter by certified mail, so you receive a receipt when it arrives at your creditors headquarters. Save the receipt proving they received your dispute with the other documents youre using to make your case. \n\nYou can also choose to dispute electronically, if the creditors website allows for that. Save any emails you get in return saying your dispute was received. \nFinal stretch : waiting for a response You creditor is required to respond within 30 days of your complaint, and the dispute must be resolved within 90 days, or two billing cycles.\n\nIn the meantime, you dont have to pay for the purchase in question, you must only pay for everything else on your statement. However, keep in mind that if your creditor finds your evidence insufficient, youll have to pay for the purchase in question, plus any interest that has accrued since. \n\nIf your creditor accepts your claim, all charges related to the error will be removed from your statement. If it does not accept your claim, it has to explain to you in writing exactly why the mistake is in fact a not a mistake, and youll have 10 days to challenge that conclusion.","date_sent_to_company":"2019-02-20T07:42:14.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"14228","tags":null,"has_narrative":true,"complaint_id":"3156484","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2019-02-20T02:03:12.000Z","state":"NY","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["If the <em>lender</em> confirms there is a billing error on <em>your</em> <em>account</em>, it must send you a written explanation of the corrections made to <em>your</em> <em>account</em>. In addition to crediting <em>your</em> <em>account</em> for the disputed amount, the <em>lender</em> must also remove all finance <em>charges</em>, late fees, or <em>other</em> <em>charges</em> related to the error."]},"sort":[16.088879,"3156484"]},{"_index":"complaint-public-v1","_id":"4794357","_score":15.828048,"_source":{"product":"Student loan","complaint_what_happened":"When the Coronavirus Federal Government pause on Federal Student loan collection was initiated, and when Federal Student Loan companies, like Navient were required to cease collection efforts and cease charging interest, my Federal loan servicer, Navient continued to send me a monthly reminder of my bill due under my income based repayment program. I though this was odd, since month after month during this Coronavirus pause on payments, my other lender, XXXX XXXX, did not communicate with me, no requests for payment, etc. at all. Yet Navient sent me emails a few per month that reminded me to make my payment. I made payments each month and on a phone call to them in the Fall of XXXX, I asked about why they are still seeking payments from me each month, I was told \" yes, we are '' and I asked if they are still charging interest, and I was told \" yes '' by the representative from Navient that I talked to. I just received another reminder this month, XX/XX/XXXX, when payments on Federal Loans are paused, to make my payment to Navient. I am including the email copy below. It seems to me that Navient is willfully disregarding this Federal Government mandate on how they should be operating. and insisting on payment and charging interest during this Coronavirus pause : Note : I am requesting that Navient reverse all interest charged during the Coronavirus period of Federal payment pause and apply all my payments during this Coronavirus period to my principal on my smallest loan and respond back in writing or email to me confirming that the payments have been applied to the principal on my {$8700.00} loan and that all interest has been reversed. \n\nHere is there email : XXXX, let 's get on track. Payment is due. \n\nWe know life is busy, so paying your federal student loans may be the last thing on your mind. Looks like your last payment was made on XX/XX/XXXX. Log in to review your account status and make a payment. \n\nPay Now If you can't make a payment right now, please call and talk to us about your options at XXXX. We're here for you : Monday - Thursday XXXX XXXX. to XXXX XXXX., Friday XXXX XXXX. to XXXX XXXX., Saturday XXXX XXXX to XXXX XXXX. ET. \n\nOr, skip the call - make a payment online or by mail : Navient, XXXX XXXX XXXX, XXXX XXXX PA XXXX XXXX \n\nTips and resources Payment options are available like Income-Driven Repayment ( IDR ) if you need a lower payment. \n\nNavient.com and StudentAid.gov provide extensive information on all options available, including deferment and forbearance if you need to postpone payments. \n\nPlease do not respond to this automated message. Emails sent to this address are not monitored. \n\nWhen you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic funds transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic funds transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. \n\nPrivacy | Terms of Use XXXX Navient Solutions , LLC . All rights reserved. Navient and the Navient logo are registered service marks of Navient Solutions , LLC . Navient Corporation and its subsidiaries, including Navient Solutions , LLC, are not sponsored by or agencies of the United States of America. \n\nXXXX","date_sent_to_company":"2021-10-08T12:23:12.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"75160","tags":null,"has_narrative":true,"complaint_id":"4794357","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2021-10-08T11:51:20.000Z","state":"TX","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["Please do not <em>respond</em> to this automated message. Emails sent to this address are not monitored. \n\nWhen you provide a <em>check</em> as payment, you authorize us either to use information from <em>your</em> <em>check</em> to make a one-time electronic funds transfer from <em>your</em> <em>account</em> or to process the payment as a <em>check</em> transaction."],"issue":["Dealing with <em>your</em> <em>lender</em> or servicer"]},"sort":[15.828048,"4794357"]},{"_index":"complaint-public-v1","_id":"3455393","_score":15.481874,"_source":{"product":"Mortgage","complaint_what_happened":"LoanCare, LLC\nAttn:  Mortgage Resolution\nXXXX XXXX XXXX\nXXXX XXXX, VA XXXX\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\nCOMPLAINT REGARDING FAILURE OF SERVICER TO ACKNOWLEDGE AND RESPOND COMPLETELY WITHIN THE REQUIRED TIME FRAME TO R.E.S.P.A. QUALIFIED WRITTEN REQUEST \n\nDear Sir or Madam: \n\nPlease treat this letter as a “qualified written request” under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605(e).   \n\nNow, we urge LoanCare LLC to understand its obligations and to acknowledge this QWR and our complaint properly and completely and respond to its ENTIRETY and WITHIN the required time frame.   \n\nSpecifically, we are disputing:  a) the identity of a true secured lender/creditor, and b) the existence of any and all debt, and c) your authority and capacity to collect on behalf of the alleged lender/creditor.  Because of extensive criminal activity and fraud in this arena, we require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor.  \n\nFurther, we require proof that you are the entity that has been contracted to work on behalf of the alleged lender/creditor.  You have not provided this information to us as previously requested and we are therefore requesting it again.  \n\nAdditionally, we are asking you and any and all subsidiaries, affiliates, and vendors to be fully aware of state and federal obligations and we are requesting immediate cease and desist of any further tactics to illegally gain control over our property.      Therefore any further telephone communication shall be considered harassment and in violation of 15 USC Section 1692d and is subject to further State and Federal penalties.\n\nTherefore, again pursuant to “Subtitle E Mortgage Servicing” of the Dodd-Frank Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605(e)(1)(A) and Reg. X Section 3500.21(e)(1), please provide:\n\n1.  \tA full, double sided, certified “true and accurate” copy of the original promissory note and security instrument and all assignments of the security instrument.\n\t\n2.  \tFull name, address and telephone number of the actual entity that funded the transaction.\n\n3.  \tFull name of Trust where the Note Number is trading, or has traded, and the identifying Series of Certificates.  (Note: If the note number is being traded in a Fannie Mae Trust or Freddie Mac Trust, please provide all information to identify the Trust (i.e. Fannie Mae Pool Number, CUSIP Number, REMIC or SMBS Trust Number and Trust Class/Tranche).\n\n4.  \tFull name, address, and telephone number of the Trustee.\n\n5.  \tFull name, address, and telephone number of the Custodian of our original Promissory Note, including the name, address and telephone number of any trustee or other fiduciary. This request is being made pursuant to Section 1641(f)(2) of the Truth In Lending Act.\n\n6.  \tFull name, address, and telephone number of the Custodian of our original Security Instrument, including the name, address and telephone number of any trustee or other fiduciary. This request is being made pursuant to Section 1641(f)(2) of the Truth In Lending Act.\n\n7.  \tA physical location (address) of the original promissory note, original security instrument, and all assignments of the security instrument, and a contact name and phone number of someone who can arrange for inspection of said documents.\n\n8.  \tFull name, address and telephone number of any master servicers, servicers, sub-servicers, contingency servicers, back-up servicers or special servicers for this account.\n\n9.  \tThe electronic MERS number assigned to this account if this is a MERS Designated Account.  \n\n10.  \tProof of true sale of the note from alleged Lender to investors, by showing:\nWire transfer document(s), and/or Signed purchase and sale agreement(s), Bank statements or similar documentation.\n\n11. \tProvide an audit trail of the alleged transfer in ownership and alleged transfer in security interest and evidenced in the MERS Milestone Report and, if the note number and security instrument was tracked by Mortgage Electronic Registration Systems.  Please provide all information regarding MERs and the servicer compliance with the provisions of any and all MERS Member Agreement, Rules, and Procedures.  \n\n12.  \tA complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts (i.e. principal, interest, suspense, escrow, etc.) payments were applied.\n\n13.  \tA complete and itemized statement of all advances or charges against this account.\n\n14.  \tA complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter.\n\n15.  \tA complete and itemized statement from the date of the note origination to the date of your response to this letter of the amounts charged for any forced-placed insurance, the date of the charge, the name of the insurance company, the relation of the insurance company or any related company, the amount of commission received for each force-placed insurance event, and an itemized statement of any other expenses, related thereto.\n\n16.\tA complete and itemized statement from the date of the note origination to the date of your response to this letter of any suspense account entries and/or any corporate advance entries related in any way to this account.\n\n17.\tA complete and itemized statement from the date of the loan to the date of your response to this letter of any property inspection fees, property preservation fees, broker opinion fees, appraisal fees, bankruptcy monitoring fees, or other similar fees or expenses related in any way to this loan. \n\n18.  \tA statement/provision under the security instrument and/or note that authorizes charging any such fee against the account.\n\n19.  \tCopies of all property inspection reports and appraisals, broker price opinions, and associated bills, invoices, and checks or wire transfers in payment thereof.\n\n20.  \tComplete copy of any transaction report(s) indicating any charges for any \"add on products\" sold to the debtors in connection with this account from the date of the note origination to the date of your response to this letter. \n\n21.  \tComplete and itemized statement of any late charges added to this account from the date of the note origination to the date of your response to this letter.\n\n22.  \tComplete and itemized statement of any fees incurred to modify, extend, or amend the loan or to defer any payment or payments due under the terms of the loan, from the date of the note origination to the date of your response to this letter. \n\n23.  \tComplete, itemized statement of the current amount needed to pay-off the alleged “loan” in full.\n\n25. \tVerification of any and all notification provided to us as of a change in servicer. \n\nYou should be advised that within FIVE (5) DAYS you must send us a letter stating that you received this letter. After that time you have THIRTY (30) DAYS to fully respond as per the time frame mandated by Congress, in “Subtitle ‘E’ Mortgage Servicing” of the ‘‘Dodd-Frank Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605(e)(1)(A) and Reg. X Section 3500.21(e)(1).\n\nTRUTH – IN-LENDING ACT § 131(f)(2)\n\nPursuant to 15 U.S.C. § 1641 (f): \n\nPlease provide the name, address and telephone number of the owner(s) of the mortgage and the master servicer of the mortgage. \n\nLoanCare should be advised that Violations of this Section provides for statutory damages and reasonable legal fees. The amendment also clearly provides that the new notice rules are enforceable by private right of action. 15 USC 1641","date_sent_to_company":"2019-12-05T15:22:46.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"023XX","tags":null,"has_narrative":true,"complaint_id":"3455393","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2019-12-02T18:10:58.000Z","state":"MA","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":["Copies of all property inspection reports and appraisals, broker price opinions, and associated bills, invoices, and <em>checks</em> or wire transfers in payment thereof.\n\n20.  \tComplete copy of any transaction report(s) indicating any <em>charges</em> for any \"add on products\" sold to the debtors in connection with this <em>account</em> from the date of the note origination to the date of <em>your</em> response to this letter. \n\n21."],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[15.481874,"3455393"]},{"_index":"complaint-public-v1","_id":"5085767","_score":15.267265,"_source":{"product":"Mortgage","complaint_what_happened":"This is in continuation of complaint XXXX and can not be opened again. I have discussed with CFPB officer and she suggested to raise new complaint. \nI want to raise complaint about rocket mortgage to follow unethical way of business and also hiding facts with CFPB as well. Please find below my case 1. Rocket Mortgage is the only lender who showed me an adjustment and other credit amount as XXXX dollars and told me this will be applied to your closing from Rocket Mortgage and approved by the vice president. recording can be requested to rocket mortgage and date is XXXX of XXXX. Rocket mortgage did an unethical way to get business from another lender by showing this value and not giving that amount in final closing. I have attached other four lenders, XXXX ( XXXX  ), XXXX  ( XXXX  ), XXXX XXXX XXXX ( XXXX and XXXX ) and XXXX XXXX  XXXX ( XXXX ). None of the lenders showed me adjustment and other credit amounts and for all of them the amount was zero. Refer document attached for your reference. Here my point stands that the rocket mortgage only lender showed this adjustment and other credits in the loan estimate with the same contract document and pulled the customer from other lenders. This is case of forgery showing something on loan estimate and delivering different in final closing.\n\n2. To confirm regarding those credits two recordings can be requested, one dated XXXX XXXX and XXXX XXXX. This will have all the info about those credits and discussion with XXXX and me. More direct proof is a recent one and that is XXXX XXXX. This will testify to all my statements and will clear who is lying. \n3. Regarding loan estimates from the rocket mortgage, the total cost with escrow account is XXXX dollars and without escrow is XXXX dollars ( XXXX dollars reduced from section XXXX and XXXX of XXXX, this is taxes and home insurance ). I have not selected an escrow and paid my home insurance as well as will pay taxes myself. so my total cost as per loan estimation is XXXX dollars.Now, you can refer to the closing disclosure doc XXXX copy.pdf and page no 4 where there are two columns, loan estimate and final closing, final no is XXXX dollars which is more than XXXX dollars as per loan estimate. Major Reason for this is that Rocket mortgage has not applied adjustment and credits amount in final disclosure as they promised during the loan estimate process to compensate my origination charges.\n\n4. Regarding adjustment and credits, I have not received any breakdown from them during the loan process and no one told me this is for prorated tax credit from the seller in my whole loan process. XXXX XXXX, investigating person from Rocket mortgage, always gave different statements then finally gave reason as loan doc sign, we can not reimburse those amounts. \n5. I have asked XXXX, add XXXX on our call and check the recording, she has not done those things. Only saying loan is close and can not do anything. \n6. Regarding loan closing doc sign, I have asked loan officer XXXX to correct home insurance charges, as they have added that amount extra on final closing. Then another revised doc was received, 1 day before I had asked XXXX about other credits, she confirmed all credits applied and did not tell me they reduced credits. I need to pay money via wire before XXXX CST for my closing and on her verbal approval signed those documents. I am also in believe, Rocket mortgage will not do such type of fraud and have trust on them as well as on XXXX. \n7. I have called and sent email to them to notify about this issue, XXXX was out of office and has not picked call, sent email to all of them, no one responded and then escalated to other members and XXXX was allocated to this case, from her first call I got to know, she is not going to help me and raised case with you. \n\nCharges against Rocket Mortgage : 1. Doing unethical way of doing business by showing big amount in adjustment and other credits and not fulfilling this numbers in final disclosure 2. Even though XXXX confirmed these charges are to compensate loan originate charges, XXXX and team don't want to help customers stating the loan is closed.\n\n3.They are deliberately giving false figures to CFPB as well as customer that cash to close was reduced to {$26000.00}. But, I have opted out escrow and paying taxes as well as home insurance myself. Cash to close increase from XXXX ( without escrow explained in point 3 above ) as per loan estimate to XXXX without escrow in final closing and in addition to that I got more credits from my realtor around XXXX dollars that was not included in loan estimate.\n\n4. Due to their adjustment and other credits, I need to pay around XXXX dollars as loan origination charges and I need to cancel the loan with better.com where I was just paying XXXX dollars for the same interest rate.\n\nHope, I make my case clear and I was also under the assumption Rocket Mortgage is a reputable lender but from the above statements they have not delivered what they promised. Please let me know if you need any more info.","date_sent_to_company":"2022-01-09T06:34:05.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"78727","tags":null,"has_narrative":true,"complaint_id":"5085767","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2022-01-09T01:04:31.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have attached <em>other</em> four <em>lenders</em>, XXXX ( XXXX  ), XXXX  ( XXXX  ), XXXX XXXX XXXX ( XXXX and XXXX ) and XXXX XXXX  XXXX ( XXXX ). None of the <em>lenders</em> showed me adjustment and <em>other</em> credit amounts and for all of them the amount was zero. Refer document attached for <em>your</em> reference. Here my point stands that the rocket mortgage only <em>lender</em> showed this adjustment and <em>other</em> credits in the loan estimate with the same contract document and pulled the customer from <em>other</em> <em>lenders</em>."]},"sort":[15.267265,"5085767"]},{"_index":"complaint-public-v1","_id":"12769430","_score":14.92813,"_source":{"product":"Checking or savings account","complaint_what_happened":"COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Checking or savings account ISSUE Problem with a lender or other company charging your account I am filing another complaint against 5/3 bank due to inaccurate statements they made regarding the above reference first complaint. \n\nThey stated on XX/XX/year> as a response to the above claim that the claim was denied due to the following : Our records indicate the activity is consistent with the location, type, or amount of purchases you have made in the past ; therefore, the dispute was denied. \n\n\nThis is inaccurate. The fraudlant activity began XX/XX/year> and continued for several days until all of my funds and an overdraft of {$3400.00} was the balance of my account. There should have be no previous credits on my account like the ones that were done for several days. I would attach the statements to prove this, but 5/3 bank closed the account. All 5/3 bank provided was the fradulant activity and not the suppose purchases that were made in the past. Also, they did not even mention the fact that the account was overdrawn and I did not authorize overdraft protection. \n\nPlease explaoin why the CFPB closed this claim without me being able to respond? You just took their word for it, which is inaccurate. Again, my account was depleted off all of the funds plus an overdraft of approximately {$3400.00} that I did not authorize or do on my own. Now 5/3 bank has turned me over to collections for the unpaid balance which again I did not do or authorize.","date_sent_to_company":"2025-04-01T21:05:31.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"49601","tags":"Servicemember","has_narrative":true,"complaint_id":"12769430","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2025-04-01T20:48:20.000Z","state":"MI","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT <em>Checking</em> or savings <em>account</em> ISSUE Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em> I am filing another complaint against 5/3 bank due to inaccurate statements they made regarding the above reference first complaint."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[14.92813,"12769430"]},{"_index":"complaint-public-v1","_id":"8754863","_score":14.707311,"_source":{"product":"Mortgage","complaint_what_happened":"Wrongful foreclosure. I have filed 27 previous complaints in conjunction with this property, According to documentation which includes previous bankruptcies I discovered loan may have been pimary insted of secondary within conjunction this property. \n\n\nI need also need the COMPLETE SERVICING FILE R.E.S.P.A. QUALIFIED WRITTEN REQUEST Dear Sir or Madam : Please treat this letter as a qualified written request under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). \n\nSpecifically, we are disputing a ) the identity of a true secured lender/creditor, and b ) the existence of debt, and c ) your authority and capacity to collect on behalf of the alleged lender/creditor. Because of extensive criminal activity and fraud in this arena, we require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. Further, we require proof that you are the entity that has been contracted to work on behalf of the alleged lender/creditor. \n\nPursuant to Subtitle E Mortgage Servicing of the Dodd-Frank Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ), please provide : 1. A full, double sided, certified true and accurate copy of the original promissory note and security instrument and all assignments of the security instrument. \n\n2. Full name, address and telephone number of the actual entity that funded the transaction. \n\n3. Full name of Trust where the Note Number is trading, or has traded, and the identifying Series of Certificates. \n( Note : If the note number is being traded in a XXXX XXXX XXXXXXXX or XXXX XXXX XXXX, please provide all information to identify the Trust ( i.e. XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX or XXXX XXXX XXXX and Trust Class/Tranche ). \n\n4. Full name, address, and telephone number of the Trustee. \n\n5. Full name, address, and telephone number of the Custodian of my original Promissory Note, including the name, address and telephone number of any trustee or other fiduciary. This request is being made pursuant to Section 1641 ( f ) ( 2 ) of the Truth In Lending Act. \n\n6. Full name, address, and telephone number of the Custodian of my original Security Instrument, including the name, address and telephone number of any trustee or other fiduciary. This request is being made pursuant to Section 1641 ( f ) ( 2 ) of the Truth In Lending Act. \n\n7. A physical location ( address ) of the original promissory note, original security instrument, and all assignments of the security instrument, and a contact name and phone number of someone who can arrange for inspection of said documents. \n\n8. Full name, address and telephone number of any master servicers, servicers, sub-servicers, contingency servicers, back-up servicers or special servicers for this account. \n\n9. The electronic XXXX number assigned to this account if this is a XXXX  Designated Account. \n\n10. Proof of true sale of the note from alleged Lender to investors, by showing : Wire transfer document ( s ), and/or Signed purchase and sale agreement ( s ), Bank statements or similar documentation. \n\n11. The XXXXXXXX XXXX Report, if the note number and security instrument was tracked by XXXX XXXX XXXX XXXX. I want to see the audit trail of the alleged transfer in ownership and alleged transfer in security interest. \n\n12. A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied. \n\n13. A complete and itemized statement of all advances or charges against this account. \n\n14. A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter. \n\n15. Have you purchased and charged to the account any Force-Placed Insurance? \n\n16. A complete and itemized statement from the date of the note origination to the date of your response to this letter of the amounts charged for any forced-placed insurance, the date of the charge, the name of the insurance company, the relation of the insurance company to you or a related company, the amount of commission you received for each force-placed insurance event, and an itemized statement of any other expenses related thereto. \n\n17. A complete and itemized statement from the date of the note origination to the date of your response to this letter of any suspense account entries and/or any corporate advance entries related in any way to this account. \n\n18. A complete and itemized statement from the date of the loan to the date of your response to this letter of any property inspection fees, property preservation fees, broker opinion fees, appraisal fees, bankruptcy monitoring fees, or other similar fees or expenses related in any way to this loan. \n\n19. A statement/provision under the security instrument and/or note that authorizes charging any such fee against the account. \n\n20. Copies of all property inspection reports and appraisals, broker price opinions, and associated bills, invoices, and checks or wire transfers in payment thereof. \n\n21. Complete copy of any transaction report ( s ) indicating any charges for any \" add on products '' sold to the debtors in connection with this account from the date of the note origination to the date of your response to this letter. \n\n22. Complete and itemized statement of any late charges added to this account from the date of the note origination to the date of your response to this letter. \n\n23. Complete and itemized statement of any fees incurred to modify, extend, or amend the loan or to defer any payment or payments due under the terms of the loan, from the date of the note origination to the date of your response to this letter. \n\n24. Complete, itemized statement of the current amount needed to pay-off the alleged loan in full. \n\n\n25. Verification of any notification provided to me of a change in servicer. \n\nYou should be advised that within FIVE ( 5 ) DAYS you must send us a letter stating that you received this letter. After that time you have THIRTY ( 30 ) DAYS to fully respond as per the time frame mandated by Congress, in Subtitle E Mortgage Servicing of the Dodd-Frank Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ). \n\nTRUTH IN-LENDING ACT 131 ( f ) ( 2 ) Pursuant to 15 U.S.C. 1641 ( f ) : Please provide the name, address and telephone number of the owner ( s ) of the mortgage and the master servicer of the mortgage.","date_sent_to_company":"2024-04-11T17:05:21.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"365XX","tags":null,"has_narrative":true,"complaint_id":"8754863","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Statebridge Company","date_received":"2024-04-11T15:53:44.000Z","state":"AL","company_public_response":null,"sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["Copies of all property inspection reports and appraisals, broker price opinions, and associated bills, invoices, and <em>checks</em> or wire transfers in payment thereof. \n\n21. Complete copy of any transaction report ( s ) indicating any <em>charges</em> for any \" add on products '' sold to the debtors in connection with this <em>account</em> from the date of the note origination to the date of <em>your</em> response to this letter. \n\n22."]},"sort":[14.707311,"8754863"]},{"_index":"complaint-public-v1","_id":"1442050","_score":14.633066,"_source":{"product":"Bank account or service","complaint_what_happened":"I am writing to inform you of predatory lending practice of Regions bank of {$35.00} per transaction that this bank has charged which now has my account in the negative {$310.00}, and to notify you that I have not wanted transactions to process with funds availability. The bank has furthermore not responded about erroneous charges as I emailed the CEO of regions bank, XXXX XXXX at XXXXXXXXXXXX on XXXX XXXX @ XXXX XXXX as time stamped on the email and have not heard back from Regions bank. I understand that banks control currency and therefore think we are their slaves for products such as ( XXXX ) but we are not and as a XXXX I am offended under the United States Constitution that gauranteed my right to freedom of religion, and this must stop or I will need to seek legal civil litigation. \n\nThe average overdraft fee is about {$30.00} per incident. In addition, many banks charge extended overdraft fees. At Regions it can cost {$210.00} to borrow {$6.00} for six days as a result of the {$35.00} extended overdraft fee. Even worse, nearly 50 % of banks in the country will re-order transactions to increase the number and amount of overdraft fees charged. Rather than debiting money from your checking account in the order that the debits occurred, banks often debit your account in the order that they wished the transactions would have occurred. \n\nBecause overdrafts are so expensive, the vast majority of people avoid them. In XXXX, an overdraft line of credit is a cash management product that makes sense for everyone. Keeping too much cash is expensive, because it could be better invested or placed into a long-term certificate of deposit. People of all economic backgrounds take advantage of generous overdraft lines of credit, which charge very low interest rates. Borrowing {$6.00} for six days would only cost a few pennies in most large XXXX banks. \n\nHowever, American banks have made going overdraft a sin and high overdraft fees the punishment. As a result, people with money have completely avoided overdrafts. Only a small percentage of the population uses the overdraft product. 8 % of bank customersgenerate 75 % of overdraft fees. Overdrafts have become a short-term borrowing mechanism for people who have no other option. And overdrafts offered by banks are often more expensive than payday lenders. The typical payday lender charges {$15.00} to borrow {$100.00} for XXXX weeks. As I mentioned in the XXXX XXXX XXXX example, large banks are charging much more than that. \n\nA banking practice is considered predatory when it meets a few definitions : It targets people with low income or limited financial meansIt charges a price that is dramatically higher than the cost of providing the serviceIt has opaque and complicated pricing that makes it difficult to understand the true cost of the productIt charges the fee when someone is in a vulnerable position and has few alternativesOverdraft fees meet all of those requirements. The price of an overdraft is dramatically higher than the cost of providing the service. Banks charge an average of {$30.00} to decline a transaction, which costs the bank close to nothing. When banks approve a transaction, credit risk is taken. However, the banks are charging effective interest rates above 400 % in the form of fees. The banks are addicted to the revenue, which is why the revenue remains despite the backlash. \n\nAs overdrafts become more expensive, fewer people will use the service. Banks will extract more revenue from people who have fewer funds and a lower net worth. In my opinion, overdrafts are predatory and action is required. \n\nThank you for your time and attention with this matter and may the peace of XXXX ( through XXXX XXXX, XXXX XXXX ) which surpasses all understand, be with you, Amen. \n\nRespectfully, XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX","date_sent_to_company":"2015-06-29T02:42:39.000Z","issue":"Account opening, closing, or management","sub_product":"Checking account","zip_code":"32210","tags":null,"has_narrative":true,"complaint_id":"1442050","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"REGIONS FINANCIAL CORPORATION","date_received":"2015-06-29T02:42:38.000Z","state":"FL","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Overdrafts have become a short-term borrowing mechanism for people who have no <em>other</em> option. And overdrafts offered by banks are often more expensive than payday <em>lenders</em>. The typical payday <em>lender</em> <em>charges</em> {$15.00} to borrow {$100.00} for XXXX weeks. As I mentioned in the XXXX XXXX XXXX example, large banks are <em>charging</em> much more than that."],"product":["Bank <em>account</em> or service"],"issue":["<em>Account</em> opening, closing, or management"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[14.633066,"1442050"]},{"_index":"complaint-public-v1","_id":"3739981","_score":14.13737,"_source":{"product":"Debt collection","complaint_what_happened":"I have been trying to buy a house for nearly four months now. The lender who I've been speaking to said that my score was fairly good and I was only a few points from qualifying for a conventional loan. After showing me my credit report, we saw that the only thing on my report which could be considered negative was a XXXX XXXX collection which was opened on XXXX of 2018. I didn't know what charter communications was so I looked them up. It turns out that XXXX XXXX is XXXX. XXXX  also bought out XXXX a few years ago and XXXX bought out XXXX XXXX a few years before that as well. \n\nAfter finding out who the company really was I was confused and angry. I was confused because I know for a fact I did not open a XXXX  / XXXX on XX/XX/2018 or anytime close to it. I was angry because the last time I did have a XXXX  / XXXX was before I lived in XXXX. I've lived in XXXX for the last 7 years! Knowing collections can only stay on your credit report for 7 years I knew this account had to be disputed. This collection, even if it was mine, was past the statute of limitations. I went ahead and disputed the account with Enhanced Recovery collections and the three credit bureaus. I did so in XXXX, XXXX, and XXXX. I never received responses from anybody. a few days ago, I have the lender check the credit report and the account is still on the report. You don't have to guess very hard how I felt after finding that out. \n\nTo make matters worse, the lender is telling me I am 5 points away from qualifying for a conventional loan and this is the only thing stopping me! There are no charge-offs on my report, no credit cards with balances I can lower, and no other collections for me to fight or pay to increase my score. I am literally stuck and at the mercy of this collection agency who is reporting an account that isn't mine, or even if it was, is a 7 year old collection whom the collector isn't responding to any of my disputes since XXXX! There is nothing more for me to do but file this complaint against them. Please make them delete this account so I can finally buy my house.","date_sent_to_company":"2020-07-11T05:51:54.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"93306","tags":null,"has_narrative":true,"complaint_id":"3739981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ERC","date_received":"2020-07-11T01:28:42.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Knowing collections can only stay on <em>your</em> credit report for 7 years I knew this <em>account</em> had to be disputed. This collection, even if it was mine, was past the statute of limitations. I went ahead and disputed the <em>account</em> with Enhanced Recovery collections and the three credit bureaus. I did so in XXXX, XXXX, and XXXX. I never received responses from anybody. a few days ago, I have the <em>lender</em> <em>check</em> the credit report and the <em>account</em> is still on the report."],"sub_product":["<em>Other</em> debt"]},"sort":[14.13737,"3739981"]},{"_index":"complaint-public-v1","_id":"1636754","_score":13.802111,"_source":{"product":"Debt collection","complaint_what_happened":"As per my correspondence received XX/XX/XXXX concerning my dispute with the University of XXXX . ( SEE ATTACHED DOC ) How can an invalidated debt become a charge-off? \n\nI am in dispute of this charge-off. A charge-off is a notation on your credit report indicating that the original lender has written off the charge as unlikely to ever be paid. An account that is 120 to 180 days past due usually will be charged off. In this situation, I find it particularly troubling that XXXX would charge-off a debt at such a stage. ESPECIALLY WITH A {$00.00} BALANCE. ( SEE ACCOUNT HISTORY. \nA charge-off is an internal bookkeeping measure taken by a creditor that requires a concurrent finding by them that they now considers the debt to be \" uncollectible. '' In this case, It is pretty far stretch for them to conclude that this debt was uncollectible when it has not even reached the stage of being reportable to a CRA as a 30-day late, and I never received notification that I owed this debt. \nCharge-offs are required by statute for many creditors when a debt has reached a certain level of delinquency, usually 180 days. The reason for compelling charge-offs is to prevent corporations from overstating their assets, of which unpaid debts are a receivable asset, in their financial reportings, and thus misleading stockholders and others of the financial stability of a corporation. \n\nAccordingly, I can show any judge that this accounts is inaccurate and that XXXX has violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters -- stated my reasons for an investigation and these reasons were not frivolous in any way. As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from My University XXXX XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account. Please provide a copy of this document, ( Check ) for this transaction that was endorsed by me, that XXXX claims was issued to me in the amount of {$810.00} on XX/XX/XXXX, to substantiate this transaction. \nOn the other hand, an institution of higher education that reports information regarding a student loan to the CRAs, must report it in a manner consistent with the rules of the FCRA and it must also respond to a request for investigation in compliance with the statute, the FCRA should still protect consumers from inaccurate reporting. Debtors deserve the right to dispute a debt and request an investigation of inaccurate reporting. Allowing colleges and universities to avoid their responsibility as a furnisher would contradict the purpose of this consumer minded statute. \nIf this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit. for damages. I take my credit very seriously and XXXX 's lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. \nFurthermore, as per Financial Business and Consumer Solutions ( FBCS ), I have not received any correspondence. Therefore, this agency is in violation of the following code : As per, 809. Validation of debts [ 15 USC 1692g ] ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing - FBCS was failed to comply and a request for validation is requested. \n\n( 1 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof.","date_sent_to_company":"2015-11-03T21:12:30.000Z","issue":"Disclosure verification of debt","sub_product":"Non-federal student loan","zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"1636754","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Financial Business and Consumer Solutions.","date_received":"2015-11-03T21:12:29.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Right to dispute notice not received"},"highlight":{"complaint_what_happened":["As per my correspondence received XX/XX/XXXX concerning my dispute with the University of XXXX . ( SEE ATTACHED DOC ) How can an invalidated debt become a <em>charge</em>-off? \n\nI am in dispute of this <em>charge</em>-off. A <em>charge</em>-off is a notation on <em>your</em> credit report indicating that the original <em>lender</em> has written off the <em>charge</em> as unlikely to ever be paid. An <em>account</em> that is 120 to 180 days past due usually will be charged off."]},"sort":[13.802111,"1636754"]},{"_index":"complaint-public-v1","_id":"9027162","_score":13.70783,"_source":{"product":"Debt collection","complaint_what_happened":"This loan company called \" Lend You Cash '' has recently decided to take illegal action of withdrawing money from my bank account without my consent after payment failed a few years ago. Since they have my bank routing and account number, they are taking money out as of XXXX which I have not agreed over paying them. \n\nIt all started back on XX/XX/XXXX where I had originally borrowed a {$600.00} loan from them. As expected with most of these loan companies ( since I have a low credit score ), they charge a very high, unrealistic annual percentage rate. Theirs was documented of 559.49 % where the finance charge was {$1000.00} and there were total payments of {$1600.00}. I would be billed {$70.00} every week until the total ridiculous loan amount was paid off. \n\nWell... years back at that time, I was never able to pay it off since I'm not rich and worked at dead-end jobs that weren't paying me well enough to make a living. As I was only being paid {$15.00} per hour at a warehouse job. My mom and I live in a poor hotel with no car, which makes it even harder for me to ever sustain a paycheck. In fact, the very reason why I actually borrowed the loan was due to how expensive it was ( and still is ) living in a hotel while extending the reservation. All while she was still paying off her public storage bill, ever since an apartment eviction back in XXXX. \n\nWhich months later back on XX/XX/XXXX, I tried to reason with them to extend the payment dates as it was too costly to pay so quickly. They did accept and moved the payments over to once per month for {$55.00} instead. It did help at the time, however, because the APR was so high while still working at a low paying job, I was still not able to pay it off at times since other expensive bills came up, the worst being the hotel reservation, XXXX, and XXXX ( since the hotel provides no kitchen or even a fridge or microwave ). \n\nAs a result, times were financially tough, as I later missed a few payments. They would keep contacting me via phone and email to pay it off. Well, as I was still trying to work with them, my mom had received threats from the public storage about a possible auction sale on our items if she didn't come up with the money to pay off her past due bill from them. So I had no choice but to borrow from other loan companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Although I was approved and helped my mom pay off her public storage rent, I was extremely overwhelmed over the large amount of debt from the other loan companies. \n\nSo on XX/XX/XXXX, I have tried using a service called XXXX XXXX  which is a debt relief program meant to help reduce the tension from all the payments and constant harassment since they would pay it on my behalf and I just pay the XXXX ( XXXX XXXX XXXX ) company 1 monthly payment. It all seemed good, however, the problem with that is I was still owed a huge monthly payment of {$370.00} which I could not afford to pay while paying off the hotel and XXXX to work. Despite all my efforts of me trying to work with XXXX, they later on had to close relationship after I missed multiple payments from them used to pay off all the loan companies. \n\nAs a result, XXXX later on sent me a refund check of {$100.00} on XX/XX/XXXX on behalf of failed payments to Lend You Cash. 4 months later, that was when the lender company had started to respond again via email message trying to still collect debt. Stating that I still owe {$370.00} as they tried bribing me, a settlement of {$180.00}. \n\nUpon checking my email messages years back, I know when payments failed with XXXX before I contacted XXXX for help, they did send an email message stating, \" Our last two attempts to withdraw payment on your loan from your bank account were returned because your bank account did not contain enough funds to cover the payment. To protect your account, federal law prohibits us from trying to withdraw payment again without your permission. \n\nWe may contact you to talk about your payment choices going forward. '' So at least that loan company and the others stopped trying to still withdraw money without my permission, since my bank account obviously didn't have enough funds to cover it. However, fast-forward now to this month, I received an unexpected email message from Lend You Cash about another payment due of either {$100.00} or {$70.00} due on XX/XX/XXXX and XXXX. Payments which I've never agreed to, and frankly it has been a long time since I've communicated with the lender and paid them. \n\nI know by now the debt collection is old, and I'm sure they have already done damage to my credit score. So why are they still contacting me about payments now all of a sudden?! That's when I noticed a few weeks ago, that was when I saw {$70.00} withdrawn from my bank account without my consent from the same lender on XX/XX/XXXX! \n\nNow note that while all of this is going on, I have recently got fired from my recent XXXX XXXX  back on XX/XX/XXXX and as a result, I'm unemployed with not much money left. So I'm desperately trying to make ends meet over coming up with more money somehow, even by means of gambling money online until I can find another job. So I have tried responding back to their email message to stop with withdrawing money from my bank account over sudden debt payments, which I've not agreed to, but I have yet to receive a message back. \n\nSince the lender has my bank account and routing number, they are now forcefully taking money out as soon as funds hit my account by morning. This is all the money I have while still unemployed. I'd XXXXmagine soon they would do the same to my unemployment benefit money ( if I ever do get qualified for it ). I've tried to call my bank, issuing them to put a block on the charges. They went investigated the matter and credited back the {$70.00} lost yesterday yet this morning is when I noticed it was taken out of my bank account yet again! \n\nAnd it seems like they're going to keep doing it. Either my bank didn't fully block them or they are somehow illegally bypassing that too. Regardless, I'm getting very fed up with this loan company trying to steal off all the money I have! And although the debt is legitimate, they have no right to come barging into my bank account and start taking money off years later like they own it. It's almost as if they think had court ruling power from the government to do this as their way of taking matter into their own hands instead of just simply turning it to debt collection agencies.","date_sent_to_company":"2024-05-16T15:21:52.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Payday loan debt","zip_code":"75074","tags":null,"has_narrative":true,"complaint_id":"9027162","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Lend You Cash, Inc","date_received":"2024-05-16T15:06:14.000Z","state":"TX","company_public_response":null,"sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["Upon <em>checking</em> my email messages years back, I know when payments failed with XXXX before I contacted XXXX for help, they did send an email message stating, \" Our last two attempts to withdraw payment on <em>your</em> loan from <em>your</em> bank <em>account</em> were returned because <em>your</em> bank <em>account</em> did not contain enough funds to cover the payment. To protect <em>your</em> <em>account</em>, federal law prohibits us from trying to withdraw payment again without <em>your</em> permission."],"company":["<em>Lend</em> You Cash, Inc"]},"sort":[13.70783,"9027162"]},{"_index":"complaint-public-v1","_id":"3729531","_score":13.503888,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"Self lender is advertising how they can build your credit through an installment loan. \nAs you read on an installment loan is a CD that they hold for 12 or 24 months. I tried getting a better understanding by emailing them and they will just respond with information that's is already on their website. \n\nI tried four times and then moved to live chat they said they have live chat and they absolutely do not have live chat you leave a message on their life chat and they promised to get back to you within 72 hours. It's been almost a month and they have not gotten back to me in regards to my chat request. \n\nThey said they have live customer service over the phone. \n\nFor days in a row I called at different times of the day and each time I called they were closed. \n\nI called as early as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX., XXXX XXXX XXXX XXXX and XXXX XXXX \nThey were closed! \n\nWe are all aware of scams and people being able to duplicate other people accounts including the irs 's website ... \n\nSo my first thought after all of this was that this must be a scam. \n\nThey charged me a little over {$9.00} to process my application. \n\nAnd the loan that I chose was the most that they offer which required a check at the very end of my 12 months. It was a little confusing so I had a lot of questions. \n\n{$1600.00} would be paid in total after paying them {$150.00} per month for the entire year. \n\nminus interest charges and all this extra blah blah that they're going to throw on to get the most out of it I was scheduled to receive a check at the end on XX/XX/2021. \n\nBut without a better understanding how can I truly trust my money in the hand of people who's not even interested and helping me get a better understanding of how this will help me. \n\nI'm still within my 30 days I opened the account XX/XX/XXXX a payment was scheduled to come out XX/XX/XXXX and on XX/XX/XXXX I sent them a message requesting to cancel my account. \n\nOn their website has no refunds for the {$9.00} that I spent so I'll get over it. \n\nBut there will be no way I will lose {$150.00} or in that matter I'm not going to lose {$1600.00}. \n\nThis complaint is being sent because they are fraudulently running a business charging people for applications, charging people monthly for the so-called installment loan that later is called a CD giving no information about it and how it will help you. \n\nBut what they do make perfectly clear is what you will not be getting back. \n\nThis complaint is to make it perfectly clear that as of XX/XX/XXXX I canceled my account I also took my account number and the routing number off of that account. \n\nIf they manage to hold a copy of those numbers this complaint will be used as a legal document making it perfectly clear that I canceled beforehand and if money is removed from my account it will be considered fraud and I will be pressing charges.","date_sent_to_company":"2020-07-04T20:36:19.000Z","issue":"Problem with additional add-on products or services","sub_product":"Installment loan","zip_code":"89169","tags":null,"has_narrative":true,"complaint_id":"3729531","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2020-07-04T20:14:45.000Z","state":"NV","company_public_response":"Company believes complaint represents an opportunity for improvement to better serve consumers","sub_issue":null},"highlight":{"complaint_what_happened":["Self <em>lender</em> is advertising how they can build <em>your</em> credit through an installment loan. \nAs you read on an installment loan is a CD that they hold for 12 or 24 months. I tried getting a better understanding by emailing them and they will just <em>respond</em> with information that's is already on their website."]},"sort":[13.503888,"3729531"]},{"_index":"complaint-public-v1","_id":"5117979","_score":13.494328,"_source":{"product":"Checking or savings account","complaint_what_happened":"\" Have peace of mind knowing that the financial institution that issued your XXXX won't hold you responsible for unauthorised debit card use '' is a central part of XXXX 's zero liability protection. \n\n\nI own a small business and I am the only owner/employee. I have a business checking account with Lending Club Bank formerly known as XXXX XXXX ( I chose Lending Club as the company name when filing this complaint as neither Lending Club Bank nor XXXX XXXX  came up as being registered to receive your complaints ). The business checking account is coined \" Tailored Checking '' by the Bank and on the Bank 's website it is specifically targeted to small businesses such as mine and prominently advertises its affiliation with XXXX and offers its customers a Business XXXX debit card with the Bank 's insignia and XXXX 's logo on the card and words Business Debit Card all on top facing half of the card. \n\nAs I started this complaint with above, XXXX provides all consumers and small businesses zero liability against fraudulent or unauthorized charges if reasonable care by the cardholder is followed in the use and handling of the card and the loss is immediately reported to the issuing financial institution. XXXX 's website also specifically targets small businesses and advertises the zero liability promise and even includes in its Master Rules \" Rule 6.3 '' which includes language that limits the liability of cardholders and affirmatively includes protection for business debit card purchases. \n\nThis caveat and the inclusion of small businesses is central to my situation and generally it's especially important as XXXX does not extend zero liability to commercial cardholders and not all banks are eager to provide protection for fraudulent or unauthorized transactions when its a business debit card that is used ( recognizing also that Regulation E only pertains to consumer debit card transactions ). \n\nOn XX/XX/XXXX, I used my Lending Club Bank debit card to pay for audio repair and installation for a vehicle owned in my business 's name at XXXX XXXX in XXXX, WA. The maximum agreed price for the project was agreed upon as {$1000.00} prior to the work starting. The work was finished in less than four hours and I was promised a receipt and warranty information for the work by email. \n\nThe next day was XXXX XXXX, Monday XX/XX/XXXX, and I still had not received the aforementioned email with the receipt. The following day I checked my Lending Club online bank portal and realized that XXXX XXXX  had charged my business debit card in the amount of {$3100.00}. I immediately called XXXX XXXX  for an explanation and demanded the charge be reversed or otherwise refunded based on the {$1000.00} cap or maximum we had agreed upon. I also demanded an itemized receipt. It took two more days before I received a receipt and the {$3100.00} total was largely justified by line item charges that didn't explain or justify the charge and an exorbitant labor line item charge given the project was finished in under four hours. In short, the store refused to refund any money despite our agreement on what the charge would be before the worked commenced. \n\nI immediately contacted Lending Club Bank and provided them with facts and asked them if they could assist in helping me recoup the funds that were not authorized but charged by XXXX XXXX. There was a flurry of initial back and forth emails and calls between myself and XXXX in Lending Club Bank 's customer service department. I don't have a history in this sort of thing and at the time had little knowledge on what if any remedy existed except for the general sense that through XXXX my bank provided some level of protection and certainly that I could trust its employee and their expertise to guide the matter in the right direction. \n\nThis didn't occur. XXXX decided that the best course ( in fact, the only course ) of action would be to initiate a chargeback against XXXX XXXX for {$2100.00} which is the amount over the {$100000.00} agreed upon price. I asked about a timeline. XXXX from the beginning made it clear that since I was using a business debit card that normal chargeback rules would not apply but indicated that he would stay in contact and keep me updated. \n\nThat also didn't occur. It's now been over four months since I reported the matter to Lending Club Bank. Not once has anyone from the Bank ever called me, returned a call, or initiated any correspondence by email. On occasion they have responded to emails of mine often times it taking several emails from me and weeks to get a response. The responses are usually anonymously signed by their \" Customer Service LendingClub Bank '' tagline. I do not have a point of contact and despite many requests for a return call or to be transferred to a supervisor I have never been able to communicate with anyone at the Bank except what appear to be customer service employees. \n\nThis matters because XXXX informed me a month after the chargeback was initiated that their bank would not be providing me with any credit for any dollar amount since Regulation E only protected consumers. By then I had researched both the law and what is customary within the banking world as it relates to liability for unauthorised business debit card transactions. I was aware that Regulation E was not in play. I was also aware that nonetheless I was protected by XXXX 's zero liability guarantee that my bank would not hold me responsible for debit card charges I did not authorise. \n\nThere is an evident lack of training in Lending Club Bank 's customer service department in this area. I can not necessarily blame the customer service workers who can not point me to any language in any of the bank 's disclosures that warn its potential small business customers that their funds are not protected. It's not their fault that the Bank has failed to include anything that would put a customer on notice that each time they use their debit card that all their money is at risk. But the employees have been firm in their response that I will not be credited any of the missing money since I was using a business debit card ( one employee labeled my account a commercial account when I told him that my small business was protected ). This only speaks to the lack of training since in no scenario would my one man shop of a business need or be given a commercial account and the Tailored Account that I do have is clearly labeled as a business account in the literature, on their website and in form and function. \n\nI have repeatedly inquired about XXXX 's zero liability protection. No one has acknowledged that it actually exists or protects me in this situation. I'm still uncertain if its by design or not but its highly suspicious that they are not acknowledging that the zero liability kicks in no matter what and instead that the bank has led me down a chargeback recovery path knowing my chances of recovering that way were slim since I was using a business card. But I don't even know for certain if a chargeback was filed because I've never gotten any feedback on XXXX XXXX response other than XXXX telling me months after he chose the chargeback route that XXXX XXXX didn't have to respond since it was a business debit card transaction and if they chose not to respond that was the end of any chance of me being made whole. \n\nI last talked with XXXX before XXXX and he feigned any familiarity with the zero liability pledge that XXXX promotes and said he would follow up on the next step if any. He never did follow up. Last week I asked the bank in writing that they return the {$2100.00} to my account pursuant to XXXX 's zero liability protection and that they were wrong for trying to frame this as a chargeback where I was only protected if the merchant agreed to refund me money. There response was that I was not protected by Regulation E!\n\nSo I'm here filing this complaint and asking for some assistance from CFPB in getting Lending Club Bank to honor its card network agreement and XXXX Rule on unauthorised debit card transactions. It's been four months of little to no action and zero forward movement on the matter coupled with me no longer trusting that their employees are telling me the truth or are even trained to understand card network policies. Even more troubling is that this matter would be long forgotten and my money not protected but for the quite obvious fact that I've had to personally be involved in the matter at an unprecedented level. I shouldn't have to worry that my bank isn't telling me the truth when they say they are doing everything they can to get my money back. And they need to return it. \n\nMy {$2100.00} is still missing and I have anything but the \" peace of mind knowing that the financial institution that issued my XXXX won't hold me responsible for unauthorised debit card use ''. \n\nThank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX am including much of the correspondence between the bank and myself as it was largely done over email. There are six attachments and each begins with a number 1 through 6. Unfortunately, they didn't populate in the correct order. Please read them in order... for example, Attachment 1 should be the first few emails beginning in XX/XX/XXXX and each attachment in sequential order ( 2 then 3 then 4 and so forth ) should follow with subsequent emails in order as they were written through XX/XX/XXXX as seen in Attachment 6.","date_sent_to_company":"2022-01-31T15:31:13.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"59715","tags":null,"has_narrative":true,"complaint_id":"5117979","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Lending Club Corp","date_received":"2022-01-17T21:03:09.000Z","state":"MT","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I have a business <em>checking</em> <em>account</em> with <em>Lending</em> Club Bank formerly known as XXXX XXXX ( I chose <em>Lending</em> Club as the company name when filing this complaint as neither <em>Lending</em> Club Bank nor XXXX XXXX  came up as being registered to receive <em>your</em> complaints )."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"company":["<em>Lending</em> Club Corp"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[13.494328,"5117979"]},{"_index":"complaint-public-v1","_id":"12173612","_score":13.370609,"_source":{"product":"Debt or credit management","complaint_what_happened":"USA PATRIOT Act Customer Identification Program Notice XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX USA PATRIOT Act Customer Identification Program Notice Important Information You Need to Know About Opening A New Account To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. \nTypes of Information You Will Need to Provide When you open an account, we are required to collect information such as the following from you : Your name Date of birth Address Identification number XXXXXXXX XXXX : taxpayer identification number ( Social Security Number ) XXXX XXXX XXXX taxpayer identification number, passport number and country of issuance, XXXX  identification card number, or government-issued identification showing nationality, residence and a photograph of you. \nYou may also need to show your driver 's license or other identifying documents. \nIf Your Identity Can not Be Verified We may not be able to open an account for you. \nWe thank you for your patience and hope that you will support the financial industry 's efforts to deny terrorists and money launderers access to America 's financial system. \n\nXXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Truth in Savings Disclosure for Certificate of Deposit FIXED RATE INFORMATION The interest rate on your account is 0.10 % with an annual percentage yield ( APY ) of 0.10 %. You will be paid this rate until maturity. \nCOMPOUNDING AND CREDITING Interest will be compounded annually and will be credited to your account annually. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. If you close your account before interest is credited, you will not receive the accrued interest. \nMINIMUM BALANCE REQUIREMENTS You must deposit {$510.00} to open this account. \nBALANCE COMPUTATION METHOD We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. \nACCRUAL ON NONCASH DEPOSITS Interest begins to accrue on the business day you deposit noncash items ( for example, checks ). \nTRANSACTION LIMITATIONS You may not make deposits into your account until the maturity date. You may not make withdrawals from your account until the maturity date. \nMATURITY DATE Your account will mature on XX/XX/XXXX. \nEARLY WITHDRAWAL PROVISIONS Withdrawals made prior to maturity may be assessed a penalty of 90 days interest. If the CD closes before interest is credited to the CD, the customer will not receive the interest, which may result in a loss of principal due to penalty. \nRENEWAL POLICIES Your account will not automatically renew at maturity. If you do not renew the account, your deposit will be paid to you by check. \nADDITIONAL INFORMATION The rate ( s ) and annual percentage yield ( s ) disclosed above were offered within the most recent seven calendar days, and were accurate as of XX/XX/XXXX. To obtain current rate and annual percentage yield information, please call ( XXXX ) XXXX. \n\nTerms and Conditions Terms and Conditions : Time Deposit Agreement- This document, along with your Truth in Savings disclosure for Certificate of Deposit, account selection form, Certificate Receipt, Privacy Notice, and other disclosures provided to you, constitutes our agreement with you regarding your Time Deposit. You have agreed to keep the funds on deposit until maturity. If your account has not matured, any withdrawal of all or part of the funds from your account may result in an early withdrawal penalty. We will consider requests for early withdrawal and, if granted, the penalty provided in the schedule will apply. \nPenalty - The early withdrawal penalty is calculated as a forfeiture of part of the accrued interest that has or would be earned on the account. If your account has not yet earned enough interest so that the penalty can be deducted from earned interest, or if the interest has already been paid, the difference will be deducted from the principal amount of your account. \nWithdrawals - Generally, unless clearly indicated otherwise on the account records, any of you, acting alone, who sign to open the account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance at any time. Each of you ( until we receive written notice to the contrary ) authorizes each other person who signs or has authority to make withdrawals to endorse any item payable to you or your order for deposit to this account or any other transaction with us. \nExceptions - We may let you withdraw money from your account before the maturity date without an early withdrawal penalty : ( 1 ) when one or more owners on the account dies or is determined legally incompetent by a court or other administrative body of competent jurisdiction; or ( 2 ) when the account is an individual retirement account ( IRA ) established in accordance with Title 26 U.S.C. Section 408 and the money is paid within seven ( 7 ) calendar days after the account is opened ; or ( 3 ) when the account is a XXXX XXXX  ( XXXX ), if you forfeit at least the interest earned on the withdrawn funds ; or ( 4 ) if the time deposit is an XXXX XXXX XXXX XXXX established pursuant to Title 26 U.S.C. Section 408 or Title 26 U.S.C. Section 401, when you reach age XXXX XXXX or become disabled; or ( 5 ) within an applicable grace period ( if any ). \nRight of Setoff - Subject to applicable law, we may exercise our right of setoff that we are entitled to exercise under common law, under this agreement and under statute, or security interest to recover amounts you owe us from any and all accounts you maintain with us without notice to you, except that this provision does not apply to any XXXX XXXX XXXX certain trust accounts ( but excluding XXXX XXXX accounts ), or health savings accounts. We may exercise our right of setoff for any liability or debt of any of you, whether joint or individual, whether direct or contingent, whether now or hereafter existing, and whether arising from overdrafts, endorsements, guarantees, loans, attachments, garnishments, levies, attorneys fees, or other obligations. \nNotice of Amendments - You agree that from time to time we may amend the terms and conditions of this agreement, including without limitation all rates, fees, and charges, to the extent permitted by law. We will notify you of amendments as required by law. \nPayment of Interest - Interest will be compounded annually and will be credited to your account annually. Please see your Truth in Savings disclosures for the current rate and policies.\n\nAdditional Deposits - You may not make additional deposits to your time account.\n\nYour Deposit You agree that instead of holding your deposit in a deposit account with us, we may act as your agent and place your funds into a deposit account held by us on your behalf at another financial institution. The same terms as apply to your deposit with us will apply to any funds deposited by us on your behalf at another financial institution, including any assignment of deposit account that you execute with us. You can contact us at XXXX to find out at which financial institution your funds have been placed. Regardless of where your funds are placed, you will continue to access your funds through your account with us. You further grant us authority to execute such documents on your behalf as may be necessary to transfer and maintain your funds at another insured financial institution.\n\nFDIC Insurance Subject to the provisions of this section, the funds in your account will be FDIC-insured up to the limits provided by applicable law. FDIC insurance currently covers deposit accounts in any insured bank up to {$250000.00}. If, acting as your agent, we place your funds at another insured financial institution, any deposits you otherwise maintain at such financial institution in the same ownership capacity as the funds in your account will be combined with your account funds for purposes of determining your FDIC insurance coverage limit. Therefore, if you have funds on deposit at any financial institution that, when combined with the funds in your account, would be in excess of {$250000.00}, please notify us immediately by calling XXXX and identify the financial institution. As long as proper and timely notification is provided to us, the funds in your account will continue to be FDIC-insured up to the limits provided by applicable law. \n\nFACTS Why? \nFinancial Companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do. \nWhat? \nThe types of personal information we collect and share depend on the product or service you have with us. This information can include : Social Security Number and Income Account Balances and Payment History Credit History and Credit Scores When you are no longer our customer, we continue to share your information as described in this notice. \nHow? \nAll financial companies need to share customer 's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer 's personal information ; the reasons XXXX XXXX, XXXX. chooses to share ; and whether you can limit this sharing. \nWHAT DOES XXXX XXXX XXXXXXXX. DO WITH YOUR PERSONAL INFORMATION? \nReasons we can share your personal information For our everyday business purposes such as to process your transactions, maintain your account ( s ), respond to court orders and legal investigations, or report to credit bureaus Yes No Does XXXX XXXX XXXX. Share? \nYes For joint marketing with other financial companies Yes Can you limit this sharing? \nNo No No We don't share We don't share We don't share For our marketing purposes to offer our products and services to you For our affiliates everyday business purposes Yes No For our affiliates to market to you No For nonaffiliates to market to you No Questions? Call ( XXXX ) XXXX or go to XXXX  information about your transactions and experiences For our affiliates everyday business purposes information about your creditworthiness XXXX XXXX Who we are Who is providing this notice? \nXXXXXXXX XXXX  XXXX. \nWhat we do How does XXXX XXXX, XXXX. protect my personal information? \nTo protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. \nHow does XXXX XXXX, XXXX. collect my personal information? \nWe collect your personal information, for example, when you Open an Account or Deposit Money Pay your bills or Apply for a loan Make a wire transfer We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. \nWhy can't I limit all sharing? \nFederal law gives you the right to limit only Sharing for affiliates everyday business purposes- information about your creditworthiness, Affiliates from using your information to market to you, sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. \nDefinitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. \nOur affiliates include financial companies such as University XXXX XXXX XXXX XXXX XXXX. \nNonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. \nXXXX XXXX, XXXX. does not share with nonaffiliates so they can market to you. \nJoint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. \nOur joint marketing partners include a credit card companies. \n\nCovered Borrower Identification Statement Borrower : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Lender : XXXX XXXX XXXXXXXX. \nXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX COVERED BORROWER IDENTIFICATION STATEMENT Federal law provides important protections to XXXX XXXX XXXX  of the XXXX XXXX and their dependents. To ensure that these protections are provided to eligible applicants, we require you to sign one of the following statements as applicable : I AM a XXXX XXXX XXXX XXXX  of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, or XXXX XXXX, serving on XXXX XXXXXXXX XXXX XXXX XXXX  or order that does not specify a period of 30 days or fewer. \nBORROWER : XXXX XXXX XXXX Date I AM a dependent of a member of the XXXX XXXX on XXXX XXXX as described above, because I am the members spouse, the members child under the age of XXXX XXXX XXXX or I am an individual for whom the member provided more than one-half of my financial support for 180 days immediately preceding todays date. \nBORROWER : XXXX XXXX XXXX Date I AM NOT a regular or reserve member of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, or XXXX XXXX, serving on XXXX XXXX under a call or order that does not specify a period of 30 days or fewer. \nBORROWER : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Date WARNING : It is important to fill out this form accurately. Knowingly making a false statement on a credit application is a CRIME. \n\nDisclosure Statement DISCLOSURE STATEMENT Principal Loan Date Maturity Loan No. Account {$510.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX References in the boxes above are for Lenders use only and do not limit the applicability of this document to any particular loan or item. \nBorrower : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Lender : XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ANNUAL PERCENTAGE RATE The cost of my credit as a yearly rate. \nFINANCE CHARGE The dollar amount the credit will cost me. \nAmount Financed The amount of credit provided to me or on my behalf. \nTotal of Payments The amount I will have paid after I have made all payments as scheduled. \n{$600.00} 15.92 % {$89.00} {$510.00} PAYMENT SCHEDULE. My payment schedule will be XXXX  monthly payments of {$25.00} each, beginning XX/XX/XXXX. \nSECURITY. I am giving security interest in XXXX XXXX XXXX XXXX XXXX with XXXX with an approximate balance of {$510.00}. \nPREPAYMENT. If I pay off early, I will not have to pay a penalty. \nREQUIRED DEPOSIT. The Annual Percentage Rate does not take into account my required deposit. \nLATE CHARGE. If a payment is 15 days or more late, I will be charged 5.00 % of the payment. \nI will look at my contract documents for any additional information about nonpayment, default, any required repayment in full before the scheduled date, and prepayment refunds. \nI read and was given a completed copy of this Disclosure Statement on XX/XX/XXXX, prior to signing the note. \nBorrower : XXXX XXXX XXXX XXXX XXXX Itemization of Amount Financed of {$510.00} Amount paid directly to your Certificate of Deposit : {$510.00} Deposited to Certificate of Deposit Number : XXXX Administrative Fee : Prepaid Finance Charge : {$0.00} Note Principal : {$510.00} Total amount paid to your Certificate of Deposit : {$510.00} Account Type Definitions XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX BS SINGLE-PARTY ACCOUNT WITHOUT P.O.D. ( PAYABLE ON DEATH ) DESIGNATION : The party to the account owns the account. On the death of the party, ownership of the account passes as a part of the partys estate under the partys will or by intestacy. \nSINGLE-PARTY ACCOUNT WITH P.O.D. ( PAYABLE ON DEATH ) DESIGNATION : The party to the account owns the account. On the death of the party, ownership of the account passes to the P.O.D. beneficiaries of the account. The account is not a part of the partys estate. \nEnter the name or names of the P.O.D. beneficiaries and their addresses : Name Addresses : I acknowledge that I have read each paragraph of this Notice and affirm that I selected the account type next to which my initials are found. \nXXXX XXXX XX/XX/XXXX Signature Date Collateral Receipt COLLATERAL RECEIPT Principal Loan Date Maturity Loan No. Account {$510.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX References in the boxes above are for Lenders use only and do not limit the applicability of this document to any particular loan or item. \nXXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX Lender : Sunrise Banks, XXXX. \nXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX DESCRIPTION OF COLLATERAL Certificate of Deposit Number XXXX with Lender with an approximate balance of {$510.00} By signing below, you acknowledge that the Collateral described above will be used to open an account ( the Collateral Account ) that will be held as collateral against your Note # XXXX. \nOnce the Promissory Note you signed is paid off in full, if there is any balance held in the Collateral Account, it will be sent back to you ( \" XXXX '' ). \nXXXX : XXXX XXXX XXXX XXXX XXXX XXXX Signature Card XXXX XXXX XXXX. ( XXXX ) XXXX XXXX Account Owner Name & Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Account Open Date Account Number XX/XX/XXXX XXXX Backup Withholding Certifications Ownership Type Individual Initial Deposit {$510.00} Term 24 Months The types of accounts provided by Minnesota law have been disclosed on the separate Single-Party or Multiple-Party Account Selection Form Notice ( Selection Form Notice ), on which the undersigned have initialed to designate the ownership type selected. The undersigned acknowledge ( s ) receipt of a copy of the completed Selection Form Notice.\n\nOther ( If not a \" U.S. Person '', certify foreign status separately ) By signing signature field ( XXXX ) on this document, I certify under penalties of perjury that the statements made in this section are true and that I am a XXXX XXXX or other XXXX person ( as defined in the instructions ). \nTaxpayer I.D . Number ( TIN ) - XXXX The Taxpayer Identification Number ( TIN ) shown is my correct taxpayer identification number. \nExempt Recipients. I am an exempt recipient under the Internal Revenue Service Regulations. Exempt payee code ( if any ) FATCA Code. The FATCA code entered on this form ( if any ) indicating that I am exempt from FATCA reporting is correct. FATCA code ( if any ) Signature ( XXXX ). The undersigned certifies the accuracy of the information he/she has provided and acknowledges receipt of a completed copy of this form. The undersigned authorizes the financial institution to verify credit and employment history and/or have a credit reporting agency prepare a credit report on the undersigned, as individuals. The undersigned also acknowledges the receipt of a copy and agrees to the terms of the following agreement ( XXXX ) and/ or disclosure ( s ) : Backup Withholding. I am not subject to backup withholding either because I have not been notified that I am subject to backup withholding as a result of failure to report all interest or dividends, or the Internal Revenue Service has notified me that I am no longer subject to backup withholding. \nThe Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding. \nTerms & Conditions Truth In Savings Privacy Certificate Receipt XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Negative Information Disclosure NEGATIVE INFORMATION DISCLOSURE Principal Loan Date Maturity Loan No. Account {$510.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX References in the boxes above are for Lenders use only and do not limit the applicability of this document to any particular loan or item. \nBorrower : XXXX XXXX XXXX XXXX XXXX TER XXXX XXXX, FL XXXX Lender : Sunrise Banks, XXXX. \nXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX We XXXX report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. \nI read and understood this Negative XXXX XXXX on XX/XX/XXXX. \nBorrower : X XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT Principal Loan Date Maturity Loan No. Account {$510.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX References in the boxes above are for Lenders use only and do not limit the applicability of this document to any particular loan or item. \nXXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX Lender : Sunrise Banks, XXXX. \nXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX INDEX. The following index is for convenience purposes only and is not to be used to interpret or to define any provisions of this Agreement. \n1. DEFINITIONS ( A ) Account ( B ) Agreement ( C ) Borrower ( D ) Collateral ( E ) Event of Default ( F ) Grantor ( G ) Guaranty ( H ) Indebtedness ( I ) Lender ( J ) Note ( K ) Property ( L ) Related Documents 2. ASSIGNMENT 3. COLLATERAL DESCRIPTION 4. RIGHT OF SETOFF 5. GRANTOR 'S REPRESENTATIONS AND PROMISES WITH RESPECT TO THE COLLATERAL ( A ) Ownership ( B ) Right to Grant Security Interest ( C ) No Prior Assignment ( D ) No Further Transfer ( E ) No Defaults ( F ) Proceeds ( G ) Validity ; Binding Effect ( H ) Financing Statements 6. LENDER 'S RIGHTS AND OBLIGATIONS WITH RESPECT TO THE COLLATERAL 7. LENDER 'S EXPENDITURES 8. LIMITATIONS ON OBLIGATIONS OF LENDER 9. DEFAULT 10. RIGHTS AND REMEDIES ON DEFAULT ( A ) Accelerate Indebtedness ( B ) Application of Account Proceeds ( C ) Transfer Title ( D ) Other Rights and Remedies ( E ) Deficiency Judgment ( F ) Election of Remedies ( G ) Cumulative Remedies 11. MISCELLANEOUS PROVISIONS ( A ) Amendments ( B ) Attorneys ' Fees ; Expenses ( C ) Caption Headings ( D ) Governing Law ( E ) Choice of Venue ( F ) No Waiver by Lender ( G ) Notices ( H ) Power of Attorney ( I ) Severability ( J ) Successors and Assigns ( K ) Survival of Promises ( L ) Time is of the Essence 1. DEFINITIONS. The following words shall have the following meanings when used in this Agreement : ( A ) Account. The word \" Account '' means the deposit account ( s ) described in the \" Collateral Description '' section.\n\n( B ) Agreement. The word \" Agreement '' means this Assignment of Deposit Account, as this Assignment of Deposit Account may be amended or modified from time to time, together with all exhibits and schedules attached to this Assignment of Deposit Account from time to time. \n( C ) Borrower. The word \" Borrower '' means XXXX XXXX and includes all co-signers and co-makers signing the Note and all their successors and assigns. \n( D ) Collateral. The word \" Collateral '' means all of Grantor 's right, title and interest in and to all the Collateral as described in the Collateral Description section of this Agreement.\n\n( E ) Event of Default. The words \" Event of Default '' mean any of the events of default set forth in this Agreement in the default section of this Agreement.\n\n( F ) Grantor. The word \" Grantor '' means XXXX XXXX. \n( G ) Guaranty. The word \" Guaranty '' means the guaranty from guarantor, endorser, surety, or accommodation party to Lender, including without limitation a guaranty of all or part of the Note.\n\n( H ) Indebtedness. The word \" Indebtedness '' means the indebtedness evidenced by the Note or Related Documents, including all principal and interest together with all other indebtedness and costs and expenses for which Grantor is responsible under this Agreement or under any of the Related Documents.\n\n( I ) Lender. The word \" Lender '' means XXXX XXXX, XXXX, its successors and assigns. The words \" successors or assigns '' mean any person or company that acquires any interest in the Note. \n( J ) Note. The word \" Note '' means the note or credit agreement dated XX/XX/XXXX, in the principal amount of {$510.00} from XXXX XXXX to Lender, together with all renewals of, extensions of, modifications of, refinancings of, consolidations of and substitutions for the note or credit agreement. \n\n( K ) Property. The word \" Property '' means all of Grantor 's right, title and interest in and to all the Property as described in the \" Collateral Description '' section of this Agreement.\n\n( L ) Related Documents. The words \" Related Documents '' mean all promissory notes, credit agreements, loan agreements, environmental agreements, guaranties, security agreements, mortgages, deeds of trust, security deeds, collateral mortgages, and all other instruments, agreements and documents, whether now or hereafter existing, executed in connection with the Indebtedness. \nTHIS ASSIGNMENT OF DEPOSIT ACCOUNT dated XX/XX/XXXX, is made and executed between XXXX XXXX ( \" XXXX '' ) and XXXX XXXX XXXX XXXX \" XXXX '' ). \nXXXX. ASSIGNMENT. For valuable consideration, Grantor assigns and grants to Lender a security interest in the Collateral, including without limitation the deposit account ( s ) described below, to secure the Indebtedness and agrees that Lender shall have the rights stated in this Agreement with respect to the Collateral, in addition to all other rights which Lender may have by law. \nXXXX. COLLATERAL DESCRIPTION. The word \" Collateral '' means the following described deposit account ( s ) ( \" Account '' ) : Certificate of Deposit Number XXXX with Lender with an approximate balance of {$510.00} together with ( A ) all interest, whether now accrued or hereafter accruing ; ( B ) all additional deposits hereafter made to the Account ; ( C ) any and all proceeds from the Account ; and ( D ) all renewals, replacements and substitutions for any of the foregoing. \n4. RIGHT OF SETOFF. To the extent permitted by applicable law, Lender reserves a right of setoff in all Grantor 's accounts with Lender ( whether checking, savings, or some other account ). This includes, without limitation, all accounts Grantor holds jointly with someone else and all accounts Grantor may open in the future. However, this does not include any XXXX XXXX XXXXXXXX accounts, or any trust accounts for which setoff would be prohibited by law. Grantor authorizes Lender, to the extent permitted by applicable law, to charge or setoff all sums owing on the Indebtedness against any and all such accounts. \n5. GRANTOR 'S REPRESENTATIONS AND PROMISES WITH RESPECT TO THE COLLATERAL. Grantor represents and promises to Lender that : ( A ) Ownership. Grantor is the lawful owner of the Collateral free and clear of all loans, liens, encumbrances, and claims except as disclosed to and accepted by Lender in writing.\n\n( B ) Right to Grant Security Interest. Grantor has the full right, power, and authority to enter into this Agreement and to transfer the Collateral to Lender.\n\n( C ) No Prior Assignment. Grantor has not previously granted a security interest in the Collateral to any other creditor.\n\n( D ) No Further Transfer. Grantor will not sell, assign, encumber, or otherwise dispose of any of Grantor 's rights in the Collateral except as provided in this Agreement.\n\n( E ) No Defaults. There are no defaults relating to the Collateral, and there are no offsets or counterclaims to the same. Grantor will strictly and promptly do everything required of Grantor under the terms, conditions, promises, and agreements contained in or relating to the Collateral.\n\n( F ) Proceeds. Any and all replacement or renewal certificates, instruments, or other benefits or proceeds related to the Collateral that are received by Grantor shall be held by Grantor in trust for Lender and immediately shall be delivered by Grantor to Lender to be held as part of the Collateral.\n\n( G ) Validity ; Binding Effect. This Agreement is binding upon Grantor and Grantor 's successors and assigns and is legally enforceable in accordance with its terms.\n\n( H ) Financing Statements. Grantor authorizes Lender to file a UCC financing statement, or alternatively, a copy of this Agreement to perfect Lender 's security interest. At Lender 's request, Grantor additionally agrees to sign all other documents that are necessary to perfect, protect, and continue Lender 's security interest in the Property. Grantor will pay all filing fees, title transfer fees, and other fees and costs involved unless prohibited by law or unless Lender is required by law to pay such fees and costs. Grantor will promptly notify Lender of any change to Grantor 's name or the name of any individual Grantor, any individual who is a partner for a Grantor, and any individual who is a trustee or settlor or trustor for a Grantor under this Agreement. Grantor will also promptly notify Lender of any change to the name that appears on the most recently issued, unexpired driver 's license or state-issued identification card, any expiration of the most recently issued driver 's license or state-issued identification card for XXXX or any individual for whom Grantor is required to provide notice regarding name changes.\n\n6. LENDER 'S RIGHTS AND OBLIGATIONS WITH RESPECT TO THE COLLATERAL.\n\nWhile this Agreement is in effect, Lender may retain the rights to possession of the Collateral, together with any and all evidence of the Collateral, such as certificates or passbooks. This Agreement will remain in effect until ( a ) there no longer is any Indebtedness owing to Lender ; ( b ) all other obligations secured by this Agreement have been fulfilled ; and ( c ) Grantor, in writing, has requested from Lender a release of this Agreement.\n\n7. LENDER 'S EXPENDITURES. If Grantor fails ( A ) to keep the Collateral free of all taxes, liens, security interests, encumbrances, and other claims, ( B ) to provide any required insurance on the Collateral, or ( C ) to make repairs to the Collateral then Lender may do so. If any action or proceeding is commenced that would materially affect Lender 's interests in the Collateral, then Lender on Grantor 's behalf may, but is not required to, take any action that Lender believes to be appropriate to protect Lender 's interests. All expenses incurred or paid by Lender for such purposes will then bear interest at the rate charged under the Note from the date incurred or paid by Lender to the date of repayment by Grantor. All such expenses will become a part of the Indebtedness and, at Lender 's option, will ( A ) be payable on demand ; ( B ) be added to the balance of the Note and be apportioned among and be payable with any installment payments to become due during either ( 1 ) the term of any applicable insurance policy ; or ( 2 ) the remaining term of the Note ; or ( C ) be treated as a balloon payment which will be due and payable at the Note 's maturity. The Agreement also will secure payment of these amounts. The rights provided for in this paragraph shall be in addition to any other rights or any remedies to which Lender may be entitled on account of any default. Any such action by Lender shall not be construed as curing the default so as to bar Lender from any remedy that it otherwise would have had.\n\n8. LIMITATIONS ON OBLIGATIONS OF LENDER. Lender shall use ordinary reasonable care in the physical preservation and custody of any certificate or passbook for the Collateral but shall have no other obligation to protect the Collateral or its value. In particular, but without limitation, Lender shall have no responsibility ( A ) for the collection or protection of any income on the Collateral ; ( B ) for the preservation of rights against issuers of the Collateral or against third persons ; ( C ) for ascertaining any maturities, conv","date_sent_to_company":"2025-02-22T15:47:41.000Z","issue":"Charged upfront or unexpected fees","sub_product":"Credit repair services","zip_code":"34207","tags":null,"has_narrative":true,"complaint_id":"12173612","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2025-02-22T15:39:42.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["DO WITH <em>YOUR</em> PERSONAL INFORMATION? \nReasons we can share <em>your</em> personal information For our everyday business purposes such as to process <em>your</em> transactions, maintain <em>your</em> <em>account</em> ( s ), <em>respond</em> to court orders and legal investigations, or report to credit bureaus Yes No Does XXXX XXXX XXXX. Share? \nYes For joint marketing with <em>other</em> financial companies Yes Can you limit this sharing?"]},"sort":[13.370609,"12173612"]},{"_index":"complaint-public-v1","_id":"6566036","_score":13.361936,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Your complaint Complaint Number XXXX Step 1 What product or service is your complaint about? \n\nPRODUCT OR SERVICE Credit card or prepaid card TYPE General-purpose credit card or charge card Inactive modal Step 2 What type of problem are you having? \n\nISSUE Getting a credit card HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes TYPE OF ISSUE Card opened as result of identity theft or fraud Step 3 What happened? \n\nSTATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Problem with a purchase shown on your statement We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT A fraudulent account was open in XXXX, with Chase Bank. I discovered this account personally, back on XX/XX/XXXX of XXXX. And there was multiple drafts : Checking account : XXXX - {$3000.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$2200.00} XX/XX/XXXX - {$3000.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1300.00} XX/XX/XXXX On XX/XX/XXXX I finally got all the information together. And I reported it to my Bank and Chase Bank, I struggled with Chase Bank for about a year. On XX/XX/XXXX they said they would reverse the charges but now they are reversing it and saying that they will not pursue me but will also not refund my money. XXXX from Fraud operations, to inform me that \" she has accepted my fraud claim on this account and that I would not be responsible for any balance, please allow 48 hours to adjust the account and call back to confirm, after I called they said they are rebilling it, and that they are reversing what she decided. '' View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company still working STATUS Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S INTERIM RESPONSE We're still working on your request and will send you a letter as soon as we complete our research. Thank you for your patience Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. We aim to give exceptional service and are sorry if we did not meet this goal. The agreement between us is that either you or we may close an account, other than a CD, at any time for any reason or no reason without prior notice. For more information, please see the Deposit Account Agreement. You were provided a copy of the agreement when you opened your account. You can see the current agreement on chase.com. We are not required to give you a reason for our decision to close the account. We are not able to reopen your account and you are not eligible for a new account. We were not able to locate a checking account ending in XXXX in your name. We have no record of claims on file for the transactions detailed in your compliant. We respectfully decline your request for reimbursement. If you would like to dispute a transaction, please call us at XXXX, or complete the claim form on chase.com. We are not able to release copies of recordings, as they are for internal use only. We suggest you work with your local law enforcement to resolve this matter. We will work with them if they contact us. We apologize for the inconvenience this has caused you. ATTACHMENTS XXXX, XXXX - Final Letter - XXXX Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS I made chase aware of the details and they have ignored and neglected the real information conveyed. This is repulsive, they need to be stopped. I plan to sue both parties for unethical operations and obstruction I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS They lied THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS They played stupid What happens now? The complaint process is complete and your complaint is now closed. We have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database. Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. We appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns. Closed The CFPB has closed your complaint. Card ending in XXXX My name is XXXX XXXX, I had a chase freedom card that was paid and closed. My checking account was linked to it and when the online profile was taken over, a new application for this XXXX card ending in XXXX was opened without my knowledge or authorization. The fraudster used the linked checking from the previous valid account to make payments without my knowledge or authorization. Ive had this account already blocked by all the reporting agencies, the communication I received when I disputed this account which chase, was a determination that I was responsible for this account based on the payments completed from the linked checking account that I was the soul owner of. Its not only insulting, but criminal your team decided to neglect the previous attempts by both XXXX XXXX and myself a year ago to dispute and recover these payments, and have proceeded to Harass me for additional payments to an account I do not own, yet chase attempts to hold me responsible for based on their belief I submitted payments consciously to this fraud account, with record of the ach disputes on file with your team. Attached please find the ach disputes I filed a year ago, submitted for review again. Ive sent these documents a number of times, and its disgusting to think chase has been in business at the capacity it currently operates with such criminal neglect to the information contradicting their findings, or attempts to sue me for additional money, while you guys Hold over {$9000.00}, an amount of grand larceny, after many attempts to recover these funds. You have 7 days to get me the refund for the ach drafts completed to chase without my authorization or Im prepared to take legal action and exploit the criminal actions made by chase in this matter with knowledge/ record of correspondence to XXXXXXXX XXXX refusing to refund the ach disputes we placed, as well as all the laws and violations committed by chase under the fair credit reporting act. My cell is XXXX. Please feel free to reach out to me at any time of any day. This matter requires your immediate attention. Please do the right thing, I will not stop until you do. XXXX XXXX Ss- XXXX XXXX XXXX XXXX XXXX, NJ XXXX C- ( XXXX ) XXXX If you guys play stupid and lie to me in response, again, as XXXX did on monitored and recorded lines, Ill sue for everything I can. Ive never been so disgusted and victimized. Chase is a nightmare and must be stoped I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \nInactive modal What would be a fair resolution to this issue? \n\nThe money returned as XXXX from fraud recovery promised on XX/XX/XXXX from my XXXX checking account to a fraud credit card account ending XXXX. \n10 attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within 2 minutes of upload. \nXXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX MB ) XXXX ( XXXX KB ) XXXX ( XXXX MB ) XXXX ( XXXX MB ) Step 4 What company is this complaint about? \n\nCOMPANY INFORMATION CHASE CREDIT CARD CARD NUMBER XXXX Step 5 What people are involved? \n\n\nYOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX YOUR DEMOGRAPHIC INFORMATION Age XXXX Household size including total number of adults and children XXXX About us Were the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. \n\nLearn how the CFPB can help you HAVE A QUESTION? PREGUNTAS? \n\n( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX XXXX. to XXXX XXXX XXXX, XXXX - XXXX ( except federal holidays ). \n\nMore than 180 languages available. \n\nPrivacy Act Statement OMB # XXXX Note on user experience Have a question? Preguntas? \n( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX XXXX. to XXXX XXXX. XXXX, XXXX through XXXX ( except federal holidays ). \nMore than 180 languages available.","date_sent_to_company":"2023-02-13T19:57:52.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"078XX","tags":null,"has_narrative":true,"complaint_id":"6566036","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-02-13T19:55:47.000Z","state":"NJ","company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["The agreement between us is that either you or we may close an <em>account</em>, <em>other</em> than a CD, at any time for any reason or no reason without prior notice. For more information, please see the Deposit <em>Account</em> Agreement. You were provided a copy of the agreement when you opened <em>your</em> <em>account</em>. You can see the current agreement on chase.com. We are not required to give you a reason for our decision to close the <em>account</em>. We are not able to reopen <em>your</em> <em>account</em> and you are not eligible for a new <em>account</em>."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[13.361936,"6566036"]},{"_index":"complaint-public-v1","_id":"2746977","_score":13.116888,"_source":{"product":"Mortgage","complaint_what_happened":"Pursuant to Subtitle XXXX Mortgage Servicing of the Dodd-Frank XXXX XXXX Reform and Consumer Protection Act and pursuant to XXXX U.S.C. Section XXXX ( XXXX ) ( XXXX ) ( XXXX ) and XXXX. XXXX XXXX XXXX ( XXXX ) ( XXXX ), please provide : XXXX. A full, double sided, certified true and accurate copy of the original promissory note and security instrument and all assignments of the security instrument. \n\nXXXX. Full name, address and telephone number of the actual entity that funded the transaction. \n\nXXXX. Full name of XXXX where the Note Number is trading, or has traded, and the identifying Series of Certificates. \n( Note : If the note number is being traded in a XXXX XXXX  XXXX or XXXX XXXX XXXX, please provide all information to identify the Trust ( i.e. XXXX XXXX XXXX Number, XXXX Number, XXXX or XXXX XXXX Number and XXXX  Class/XXXX  ). \n\nXXXX. Full name, address, and telephone number of the Trustee. \n\nXXXX. Full name, address, and telephone number of the Custodian of my original Promissory Note, including the name, address and telephone number of any trustee or other fiduciary. This request is being made pursuant to XXXX XXXX ( XXXX  ) ( XXXX ) of the Truth In Lending Act. \n\nXXXX. Full name, address, and telephone number of the Custodian of my original XXXX XXXX, including the name, address and telephone number of any trustee or other fiduciary. This request is being made pursuant to XXXX XXXX ( f ) ( XXXX ) of the Truth In Lending Act. \n\nXXXX. A physical location ( address ) of the original promissory note, original security instrument, and all assignments of the security instrument, and a contact name and phone number of someone who can arrange for inspection of said documents. \n\nXXXX. Full name, address and telephone number of any master servicers, servicers, sub-servicers, contingency servicers, back-up servicers or special servicers for this account. \n\nXXXX. The electronic XXXX  number assigned to this account if this is a XXXX XXXX Account. \n\nXXXX. Proof of true sale of the note from alleged XXXX to investors, by showing : Wire transfer document ( XXXX ), and/or Signed purchase and sale agreement ( XXXX ), Bank statements or similar documentation. \n\nXXXX. The XXXX XXXX Report, if the note number and security instrument was tracked by Mortgage Electronic Registration Systems. I want to see the XXXX XXXX of the alleged transfer in ownership and alleged transfer in security interest. \n\nXXXX. A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied. \n\nXXXX. A complete and itemized statement of all advances or charges against this account. \n\nXXXX. A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter. \n\nXXXX. Have you purchased and charged to the account any XXXX XXXX? \n\nXXXX. A complete and itemized statement from the date of the note origination to the date of your response to this letter of the amounts charged for any forced-placed insurance, the date of the charge, the name of the insurance company, the relation of the insurance company to you or a related company, the amount of commission you received for each force-placed insurance event, and an itemized statement of any other expenses related thereto. \n\nXXXX. A complete and itemized statement from the date of the note origination to the date of your response to this letter of any suspense account entries and/or any corporate advance entries related in any way to this account. \n\nXXXX. A complete and itemized statement from the date of the loan to the date of your response to this letter of any property inspection fees, property preservation fees, broker opinion fees, appraisal fees, bankruptcy monitoring fees, or other similar fees or expenses related in any way to this loan. \n\nXXXX. A statement/provision under the security instrument and/or note that authorizes charging any such fee against the account. \n\nXXXX. Copies of all property inspection reports and appraisals, broker price opinions, and associated bills, invoices, and checks or wire transfers in payment thereof. \n\nXXXX. Complete copy of any transaction report ( XXXX ) indicating any charges for any \" add on products '' sold to the debtors in connection with this account from the date of the note origination to the date of your response to this letter. \n\nXXXX. Complete and itemized statement of any late charges added to this account from the date of the note origination to the date of your response to this letter. \n\nXXXX. Complete and itemized statement of any fees incurred to modify, extend, or amend the loan or to defer any payment or payments due under the terms of the loan, from the date of the note origination to the date of your response to this letter. \n\nXXXX. Complete, itemized statement of the current amount needed to pay-off the alleged loan in full. \n\nXXXX. Verification of any notification provided to me of a change in servicer. \n\nYou should be advised that within XXXX ( XXXX ) DAYS you must send us a letter stating that you received this letter. After that time you have XXXX ( XXXX ) DAYS to fully respond as per the time frame mandated by XXXX, in Subtitle XXXX Mortgage Servicing of the Dodd-Frank XXXX XXXX Reform and Consumer Protection Act and pursuant to XXXX U.S.C. Section XXXX ( XXXX ) ( XXXX ) ( XXXX  ) and XXXX. XXXX XXXX XXXX ( XXXX ) ( XXXX ). \n\n\nTRUTH IN-LENDING ACT XXXX ( f ) ( XXXX ) Pursuant to XXXX U.S.C. XXXX ( f ) : Please provide the name, address and telephone number of the owner XXXX XXXX ) of the mortgage and the master servicer of the mortgage. \n\nYou should be advised that Violations of this XXXX provide for statutory damages of up to {$4000.00} and reasonable legal fees. The amendments also clearly provide that the new notice rules are enforceable by private right of action. XXXX XXXX XXXX Sincerely, _ _______________________XX/XX/XXXX______________ XXXX XXXX XXXX ______________________________XXXX_______________ XXXX XXXX Date","date_sent_to_company":"2017-12-05T20:09:33.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"365XX","tags":null,"has_narrative":true,"complaint_id":"2746977","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fay Servicing, LLC","date_received":"2017-12-05T19:31:02.000Z","state":"AL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Copies of all property inspection reports and appraisals, broker price opinions, and associated bills, invoices, and <em>checks</em> or wire transfers in payment thereof. \n\nXXXX. Complete copy of any transaction report ( XXXX ) indicating any <em>charges</em> for any \" add on products '' sold to the debtors in connection with this <em>account</em> from the date of the note origination to the date of <em>your</em> response to this letter. \n\nXXXX."]},"sort":[13.116888,"2746977"]},{"_index":"complaint-public-v1","_id":"5047989","_score":12.838723,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I purchase my used vehicle on XX/XX/XXXX from XXXX XXXX and was told that Friendly Finance Corporation would be my lender and your monthly payments is based on your income so your monthly payments will be {$390.00}. Which I requested that I stayed under the {$300.00} mark but was told that was the best they could do, I agreed to the charges believing what I was told on or Around XX/XX/XXXX I received a call from Friendly Finance Account Specialist telling me she was calling to verify my information and setup my account so that I can make my monthly payments she stated there was some inconsistences in verifying my income how much do you make. I responded about XXXX yearly a little more or less and she says okay well if that is the case then you qualify for lower payments go back to the dealer and tell them to do your calculations over numbers are wrong, I go back dealer ask who I talked to XXXX XXXX contact Friendly Finance and spoke with them and somehow everyone was fine and the information given me was wrong the young lady was a new employee she misunderstood the reported income everything is okay now. The following year in XX/XX/XXXX I pull my credit report on-line and see that friendly finance is reporting my income at XXXX a year so I call them they deny and says XXXX, XXXX or whoever is mistaking because we do not report income. I asked based on my income do I qualify for lower payment she states your monthly payments are correct. Since then, throughout the years, I have been making payments of {$440.00} to {$450.00} having to deal with unfair add on fees for when my account goes pass due, lies about the months I actually owe for a represented spoke to me in XX/XX/XXXX. I received a letter stating I owe {$1300.00} I question why and denied that I even owed it. they explain with much confusion one representative after the other the supervisor explains and apologized for the confusion, I accepted knowing that she was not telling the truth about what I owed but decided I was going to request to speak to someone over management she refused to give that information stating, \" this is a very small business. I made payment arrangements with the account specialist she stated the last payment you made in XXXX XXXX {$450.00} dollars was for XXXX payment so your next payment will be for XXXX payment I agreed to disagree and made payment of {$800.00} on XXXX XXXX which supposed to cover XXXX and XXXX payments and then on XXXX XXXX {$440.00} was collected for XXXX payment. and now on this day XX/XX/XXXX corrupt and crooked charges come knocking again telling me I owe for the month of XXXX and XXXX and when I question them about the letter, they sent me in XXXX requesting the dollar about of {$1300.00}. she asks me what months were covered in the letter I stated that's what you should be telling me. she tries to throw a bunch of confusion out and get upset when I slow, her down by asking question about dates and payments that were made she told me that payment for XXXX was return and was not made until the XXXX which means I only owe them for XXXX she realized that and started trying to deflect stating I am not understanding yelling I well have to have my manager call you back because I will not be doing this with you today. I responded I am not misunderstanding anything your acting crazy because I am asking for clarity and once you realized the payment for XXXX was paid in XXXX now you want to act like you are looking for clarity on rather that was XXXX payment just stop, I see now when I speak with Friendly Finance, I have to record every conversation because this happen too often. she then yells again listen I am going to have my manager call you. And then what, I asked. who manages the manager, and she says, \" I will let her tell you that '', I respond, \" Okay that's what I thought you would say? However Friendly Finance is bad news taking advantage of consumers they are unprofessional crooked and corrupt corporation that needs to be audit by the government to check for unfair and corrupt bookkeeping and accounts because if they have done this to me, I am sure the government would fine other interesting illegal business behavior they reported {$95000.00} yearly verses what I stated and gave as proof of income which was about {$38000.00} yearly to the credit beau","date_sent_to_company":"2021-12-28T19:34:18.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"20716","tags":null,"has_narrative":true,"complaint_id":"5047989","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Friendly Finance Corporation","date_received":"2021-12-28T18:45:35.000Z","state":"MD","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["I purchase my used vehicle on XX/XX/XXXX from XXXX XXXX and was told that Friendly Finance Corporation would be my <em>lender</em> and <em>your</em> monthly payments is based on <em>your</em> income so <em>your</em> monthly payments will be {$390.00}."]},"sort":[12.838723,"5047989"]},{"_index":"complaint-public-v1","_id":"2567168","_score":12.745467,"_source":{"product":"Mortgage","complaint_what_happened":"Additional Complaint Addendum TO - XXXX XXXX XXXX XXXX XXXX XXXX ( Main Office ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Under NJ Rev Stat 2A:50-56 ( 2016 ) P. 11 - ( 11 ) the name and address of the lender and the telephone number of a representative of the lender whom the debtor may contact if the debtor disagrees with the lender 's assertion that a default has occurred or the correctness of the mortgage lender 's calculation of the amount required to cure the default.\n<P/>\nThe New Jersey Courts required Ocwen Loan Servicing to refile the Notice of Intent to Foreclose with the True and Correct name and address of the Said Lender. Ocwen resubmitted the the requested document and Claimed the lender was XXXX XXXX XXXX XXXX XXXX XXXX NY.\n<P/>\nI Sent a Formal Complaint to the address and after a number of Attempts by the USPS the Item Was Delivered. We also stipulated that if they did not reply that we would Rescind the mortgage and nullify the Contract. It has been over 3 Years since the attempt to communicate with the Lender as stated on the Notice of Intent to foreclose by NJ LAW 2A:50-56.\n<P/>\nIn the Last week I have contacted the CFPB and made a number of Complaints including Complaint numbers XXXX ( OCWEN ), XXXX ( XXXX XXXX ) and XXXX ( XXXX XXXX XXXX ).\n<P/>\nOn XX/XX/XXXX The CFPB Formal requested the Answer from the our complaint, The Company responded the complaint does not belong to them. ( XXXX XXXX XXXX ) NOTICE OF INTENT TO FORECLOSE STATED THAT THE LENDER WAS XXXX XXXX XXXX XXXX XXXX NY - THUS THIS COMPLAINT SHALL ALSO BE ISSUED TO THEM AS THIS IS A LEGAL REQUIREMENT IF XXXX XXXX XXXX COME BACK AND CLAIM THEY ARE NOT THE LENDER THEN OCWEN HAS COMMITTED FRAUD AND DECEPTION ANLONG WITH UNDER LAW OFFICES AND XXXX XXXX XXXX WE HAVE NOT BEEN ABLE TO DISCUSS OUR ISSUES WITH THE SERVICER WITH THE LENDER AS REQUIRED BY LAW.\n<P/>\nI XXXX XXXX, of XXXX XXXX XXXX XXXX, New Jersey along with my Daughter as Trustee to my financial estate and whom holds full power of attorney, hereby serves you notice of the following complaint [ s ].\n<P/>\nI XXXX XXXX on this day, XX/XX/XXXXhereby request for Ocwen known as the Servicer, and XXXX XXXX as said Lender to examine and respond to all complaints, under the Fair Foreclosure Act, and any other acts including Municipal, Federal and state laws of New Jersey, Florida and New York.\n<P/>\nWhilst this complaint is under investigation and the time given to respond ; you are requested to post a moratorium of foreclosure and delay any activity with any sheriff sale until further notice. ( Currently set forXX/XX/XXXX ) As previously noted in past communications any such delay, failure or other attempt to ignore these complaints shall accelerate any actions prepared. Additionally, The CFPB and other Agencies have duly been notified. A copy of this communication has been submitted into evidence with these said agencies.\n<P/>\nThis Complaint also is Against XXXX XXXX XXXX and its Activities on your behalf. We would like to let [ ocwen ] you know we have already filed Complaints against your counsel with the New Jersey Bar. Once all legal proceedings and foreclosure activities are terminated, an Investigation will be conducted independently by the New Jersey bar Association. As such, any replies via XXXX will be deemed tainted and a conflict of interest.\n<P/>\nCOMPLAINT One ( 1 ) : XXXX Forced Place Insurance.\n<P/>\nWe would like a full investigation, and either a Reduction of costs with regards to forced placed Insurance. In addition to, the consistently increasing cost of insurance that does not cover or replace anything with the property in question. You were requested for an amount that is said to be distributed to XXXX However you have failed to properly disclose if the funds were properly transferred and used for Insurance purposes.\n<P/><P/><P/>\nWe have previously requested help from the insurance company and were denied. However, when we approached an independent insurance agency they said you had received a distribution? - However this was not distributed to the homeowner ; why, and to whom?\n<P/>\nFurthermore due to the continuing escalation of the problems faced after Hurricane XXXX the Roof and Guttering and areas around the house, including the Garage have completely collapsed.\n<P/>\nThe Roofing Shingles have completely been blown away / stripped off the roof, 90 % occurred from Hurricane XXXX yet even though we felt the full force, you claim that we were not in an area that was affected. This has caused continuous leaks in various parts of the house. Including the collapse of the hallway ceiling, in which we have already fixed and replaced ourselves.\n<P/>\nYou have put us in a position where we can not obtain 3rd party insurance because of the problems that already exist which your insurance company does not want to fix. As such we have given up discussing anything with the Insurance Company over the last 5 years, as they are useless and uncaring.\n<P/>\nInXX/XX/XXXX a summer storm destroyed a Kitchen Skylight, which leaked and fell into the home, as homeowner I hired a private contractor and filled the gap left by the collapsing skylight, the leak created cracks in the Ceiling and still have yet to be repaired.\n<P/>\nThe Insurance Company said they were not prepared to pay for the issue, because the Fix had already taken place. Under the circumstances it was either that or have a giant hole allowing the elements to run wild inside the house. Yet for some reason a 3rd party insurance system claimed the funds were distributed anyway ( see other complaint ) So the question is why should you have the ability to claim the Insurance charges if they do not provide a service to repair any issues at hand? You have previously chosen a sister company that fails to provide any service and yet charge up to 3 times as much? - Possible Criminal Activity.\n<P/>\nAs you have not provided any repairs to the house, resulting in the value to be sharply affected, you [ Ocwen ] and XXXX / XXXX XXXX XXXX XXXX have failed to provide any service or return. Thus we would either request for you to fully repair items that are wrong to be fixed and replaced, thus putting the home into livable and economic prosperity.\n<P/>\nAs you [ Ocwen ] are claiming that we owe the costs of insurance [ XXXX et all ], and if we come to an agreement to modify the mortgage, then in your minds eye we have been [ already ] charged for the service in question.\n<P/>\nFurthermore the homeowner never received any payout from the class action lawsuit filed against Ocwen, XXXX et al ; Case No. XXXX Thus in all aspects you still owe 12.5 % of all funds being requested.\n<P/><P/>\nHowever If you fail to repair, replace and finally get someone to fix those issues then we request 100 % of those funds and charges to be removed. We should not be liable for payment and accept the charges for nothing being done. One has to receive a product or service. Thus you and your insurance company are proceeding to partake in theft, you have received money ( via escrow ) to pay XXXX and others, for them to do nothing when required COMPLAINT TWO ( 2 ) : Intentionally Delayed Court Actions.\n<P/>\nDuring the 7 year battle within the New Jersey court system at least 3 of those years were beyond the control of the homeowner. Ocwens legal agent and Representative XXXX XXXX XXXX intentionally sat on their hands for over three years. They continued to do nothing. There was such a delay even the court responded with the threat and action of dismissing the case.\n<P/>\nDuring the period of legal recourse it is the responsibility of the Plaintiff [ which you claim to have been ] ; that indeed the plaintiff had no activity and the court sent many warnings over this time. Failing to respond, the court dismissed the case Due to Lack of prosecution not once byt twice twice. XXXX XXXX XXXX then had to file motions and send representatives to court on multiple occasions increasing legal fees, unnecessarily a burden upon the homeowner. The defendant lost time from work, overtime and caused undue stress.\n<P/>\nIf you would have acted properly and on time, we would have never had to go through such action. This was not the only occurrence it happened twice. With one being completely dismissed, resulting in a request to reinstatement.\n<P/>\nPlease tell us why we should pay for any of the legal costs, if you or your legal team were not even prepared to take action throughout all these years? We had to spend our time, effort, money and health waiting for you to just answer simple questions and take appropriate actions.\n<P/><P/>\nCOMPLAINT THREE ( 3 ) : QUESTIONABLE OCWEN EMPLOYEE ACTIVITY We further wish to complain that you are allowing and accepting your employees to freely give insider information and help foreclosure attorneys. Such as the Use of an Employee called XXXX XXXX XXXX She had worked at your Florida Office then Moved to the Offices of XXXX XXXX.\n<P/>\nWe have transcripts from a conversation between ourselves anXXXX XXXX holder admitting she worked for them. What makes matters worse is that she was involved with our own account. We believe this is a conflict of interest.\n<P/>\nAs such you are now fully aware of this happening, You had freely supplied her name and information during the discovery process, and we have enough evidence to move a complaint in criminal court.\n<P/><P/>\nHowever we could come up with an amicable solution. If you work with us on a modification that 's workable and sustainable, under terms agreed by both sides, by virtue of examining any counter offer.\n<P/>\nYou are claiming that we owe a total of XXXX Thousand dollars as of this date, for a property valued at just over XXXX  Thousand* in good condition. The Market for this house in this area is between 98 and 110 Thousand in current condition, and lets be realistic here, no one with any right mind, investor or not, will be willing to spend the XXXX  Thousand minimum you are asking at Auction and spend another XXXX  Thousand fixing it.\n<P/>\nIf you fail to agree to at least examine any counter offer from US then we reserve the right to continue legal action against Ocwen and XXXX for the foreseeable future either through Criminal, Bankruptcy ( Federal Court ) / and the filing of a separate civil case of Wrongful Foreclosure. This could take years and an additional half a million in costs. This would be a grand total of about 1 Million in losses. As a stock holder I would love to see how fellow stock holders would view this. I would be willing to write and publish an open letter to all stock holders claiming you would rather spend XXXX Million Dollars fighting for a XXXX thousand property.\n<P/>\nNOTE : This would be public knowledge and of public record. This occurrence will be a negative reflection on the title, thus any purchaser considering obtaining a title search shall see such activity and will fail to even agree to any sale above $ 100k. Thus it would be better for you to agree to fixing the issues and reducing the amount owed. Cleaning up the problem and apologizing for allowing your staff and legal representation to corrupt the course of justice, especially after you rehired XXXX XXXX a few years later.\n<P/><P/>\nCOMPLAINT FOUR ( 4 ) Improper Actions with XXXX XXXX XXXX  The Forced and Faked Modification If you check your records, that 's if you have been keeping them up to date, you should be in receipt of a Cease and Desist order from us, as you had filed one against us prior. This swap of C & Ds are all concerning a set of emails from one of your representatives communicating with XXXX XXXX XXXX along with being ccd to myself and my daughter XXXX.\n<P/>\nWe responded by asking what modification? ; as we had not signed any declaration, nor attempted to signal any intention to modify at that time, As we were still in litigation.\n<P/>\nIt also said that you had received payment for the first deposit, yet we had no idea of the existence of such modification and clearly did not set up any type of modification payment plan during this period of time.\n<P/>\nWe would like a proper investigation, and explanation of why you and XXXX/Ocwen tried to commit a criminal action, forgery, deposit and got caught doing so. We would like you to find out why your Legal team is clearly faking information for the benefit of your company. We hold the evidence and we have the emails, so you should either work out a favorable solution or if you take further foreclosure action we will start a criminal case against you.\n<P/>\nIf we are not satisfied by the outcome of this Complaint will be proceed to file Criminal Court complaints, if you do not properly investigate the contents of this communication. The statute of limitations starts when you proceed with this foreclosure. On an Additional note ; We have already been given the go ahead by the New Jersey Civil Court System that this is a criminal action and would have to file it within the criminal justice system. So we Request you take this complaint Seriously.\n<P/><P/><P/><P/><P/>\nOur question to you is do you want us to conduct such activities On XX/XX/XXXX Followed by a wrongful foreclosure civil case and a Federal Bankruptcy case do go along side it. We have the Case Information Statements and fees on standby. Its your call We also know the Names, Dates, Times and places so Discovery wont be too burdensome on your behalf.\n<P/>\nCOMPLAINT FIVE ( 5 ) NON-RESPONSE From Lender XXXX to QWR of NOI The New Jersey Courts requested a proper Second updated Legal notice of Intent to foreclose. The Lender as stated on the Notice of Intent [ NOI } was Contacted via a QWR ( Qualified Written Request ) within the permitted dates allowed by law, as of this date there has been zero contact from the Lender in due course.\n<P/>\nAs a part of this complaint filed under all statutes of the Fair Foreclosure Act and the Fair Debt Collection Practice Act, Both at Federal and all statute laws of New Jersey ( Homeowner ), Florida ( Ocwen ) and New York ( XXXX ) ; we once again issue this complaint as an additional QWR written request for a full and valid reply from XXXX XXXX XXXX, titled as lender, on the qualified Intent to Foreclose or XXXX XXXX XXXX XXXX XXXX XXXX We ( as consumer and customer ) - have the right to demand that we have direct communication with the Lender, especially if we have problems and issues with the Servicer [ Ocwen ], so please provide within 14 days the Name and Contact address, Telephone Number, Fax Number and Email Address of the Bank.\n<P/>\nIf you can not provide a qualified response as per the Notice of Intent to Foreclose and admit the information you published is wrong, please let the court and the Sheriff of XXXX County know you either made a mistake in completing the Notice Of Intent and that you admit that we [ Homeowner ] were disenfranchised.\n<P/>\nThat 's the most honorable thing you can do right now. We could then Go back into court assisted Mediation and sort out this problem.\n<P/>\nIf you can not obtain the requested information of the XXXX  as the Lender, please consider this complaint a part of the legal requirement for you to provide the following information : 1 ) The Physical Address details of the Contact within XXXX.\n2 ) Account number of our Account at XXXX XXXX, 3 ) Location of the account and which officer looks after the account.\n4 ) Who our contact is at XXXX XXXX Name, Department and Location 5 ) What is the XXXX Agents Contact details, Telephone, Fax and Email With these Details we should solve the situation rapidly. Instead of heading back to court for Wrongful foreclosure, which we promise we will file in any attempt to proceed with the continuing foreclosure.\n<P/>\n* The Notice of Intent to foreclose gives the homeowner the right to communicate and resolve any issue, thus we have an issue with Ocwen, its legal Representation and the Bank itself. You are already in receipt of the original letter sent to all parties, if you ignored or lost that letter we recommend investigating your attorney as they received a copy as well.\n<P/><P/>\nWe actively communicated with the Lender via the information provided and no response was forthcoming. We reached out to you to provide a go between to the Lender and for them to communicate with us in due course, as a courtesy we would gladly give you an additional 31 days to communicate with XXXX XXXX to obtain a certified letter/ response. We request a certified response from XXXX XXXX within 45 Days from Receipt of this certified communication. ( XX/XX/XXXX ).\n<P/>\nEveryone knows how Loan Securities work now, its no secret and the Bank is n't at a loss in CASH, So as trustee XXXX also has the ability to decided and tell you [ Ocwen ] what you can do, as they hold the power to adjust the rates, costs, prices and values. They also have the ability to forgive any past debts especially in actions like this.\n<P/>\nWe are not looking for a free house we are looking for a mortgage that is true to the real value, not the exuberant and vastly increased total of nearly Half a Million US Dollars. caused by your negligence and activity, which started by not accepting a single late payment of less than {$200.00} COMPLAINT SIX ( 6 ) Miscellaneous and Erroneous fees, Service Fees and Interest It has come to our attention that you are charging fees on a regular and ad hoc basis, where as you are charging for services such-as maintenance. Yet the house is occupied and in use, so there is no way you or a 3rd party can be actively doing maintenance on the property, as there has been a person located at the property for the last 28 years and no outside entity has conducted such maintenance to occur.\n<P/>\nIn particular in the recent invoice a {$510.00} Dollar Charge consisting of XXXX Maintenance charge, there has been no activity that permits such charges.\n<P/>\nWe would like for you to examine and provide proof that shows every single debit charge\nthat has a 3rd Party attached on the account and that those charges have truly been completed, transferred and actually obtained for the reason of the charges between the dates of inception of this Mortgage. <P/> If you can not provide the Evidence that all 3rd Party / Extended charges have been completed as required, then We claim that some of those charges are misleading and abusive in nature. <P/><P/><P/> COMPLAINT Seven ( 7\n) XXXX Foreclosure Moratorium During the course of the court action XXXX XXXX promised to conduct a moratorium of all foreclosures that the bank had interest in. This was published in the Filling of their SEC Report in XX/XX/XXXX.\n<P/>\nMore Information can be found in the many pages online at the following URL : Search : XXXX XXXX XXXX XXXX XXXX XXXX The Issue is during this time you continued to proceed with the foreclosure and legal activity. Thus we would like to know if XXXX XXXX had any interest in our Home and the case at bar, and why you did not proceed with following their wishes which were made public?\n<P/>\nDid Ocwen look the other way about this situation? Did your attorney not follow XXXX wishes? If you claim that the moratorium did not qualify for our loan you then clearly admit that XXXX has no Interest in this mortgage ; thus Not the Lender? Is this what you are saying? Thus you are conducting a wrongful Foreclosure.\n<P/>\nComplaint Eight ( 8 ) Abusive Photographers and Trespassing There have been a few close calls with our family and the photographers you use to take monthly images and examinations. one occurrence 2 years ago, my Grandson was playing outside under the trees when we noticed someone stopped out front taking pictures, as you may be aware it is illegal to take photos of minors without permission anywhere, you have to obtain parental consent which we do not.\n<P/>\nOn approach he gets into his car ( silver ) and then approaches the driveway ( Trespassing Occurred at this point ), he became agitated and abusive, swearing for us to get out of the way, and that he was acting for OCWEN. I went inside to get my daughters phone to attempt to video him, he said Oh what you going to put that up on XXXX XXXX are you? and drove off at speed.\n<P/>\nThe other time my daughter had approached the vehicle that was parked in our driveway blocking her exit, and we said we do not give you permission to enter the grounds and that they were trespassing, and once again the communication was profoundly expletive.\n<P/>\nAs such we decided to put up cameras this year to make sure if it happens again and we catch them, we will call the authorities. We consider this harassment, and also attempting to photograph minors without consent is criminal, which you are paying for.\n<P/>\nIn a separate incident more recently at least 2 members of the public have attempted to examine the house driving up the driveway and attempting to look around. Please note if further activities continue, we will consider you accepting these occurrences as acceptable ; thus by virtue allowing and supporting further harassment.\n<P/><P/>\nCLOSING Comments Whilst this complaint is under investigation and the time given to respond you are requested to post a moratorium of this foreclosure sale. We request you to delay activity with any sheriff sale until further notice. If you do not delay the current foreclosure sale and n\notify the homeowner byXX/XX/XXXX, we will prepare to file legal paperwork for Wrongful Foreclosure and we will also file Criminal Charges with the local and state Police Departments ( Fraud Division ). <P/>\nFailure to respond to all complaints set here in, or ignoring this communication in full or in part and Failure to respond to all requirements as protected under all such applicable laws including contractual law shall be a breach of contract.\n<P/><P/>\nDates : [ ] You [ Ocwen ] hereby agree to forfeit all claims and contracts If no Action and Reply is forthcoming Certified by USPS ByXX/XX/XXXXthis will automatically be enacted on XX/XX/XXXX. <P/><P/><P/> [ ] This communication / Complaint is being mailed on XX/XX/XXXX - Overnight. <P/><P/> [ ] Ocwen ( You ) shall receive it on the Afternoon of XX/XX/XXXX [ ] You have up to XX/XX/XXXX to stop any foreclosure activity If you require additional time to conduct your investigation You may be\ngranted additional time for both internal and external investigations only on receipt of a USPS Certified Letter of your activity postmarked Prior to XXXXXX/XX/XXXX.\n<P/><P/>\n[ ] If no action is taken by Ocwen and/or XXXX By XX/XX/XXXX, The Homeowner Rescinds the mortgage and claim you have purposely removed yourselves from the contract, you will have no right to continue a foreclosure proceeding beyond this date.\n<P/><P/>\n[ ] If you agree to investigate and delay the Foreclosure sale you have up toXX/XX/XXXX for Ocwen to Fully Respond to these Complaints in writing. Please note phone calls or emails are not permitted. Only USPS Certified mail will be accepted.\n<P/><P/>\n[ ] If you need Further time you must also contact the Homeowner ( SEVEN ) 7 Days before the Date of any future foreclosure sale, you have the ability to change the date as many times as you so wish to provide the best possible information and proper investigation.\n<P/><P/>\n[ ] Once you have conducted a thorough investigation and the homeowner has received communication from XXXX we will consider this an acceptable outcome. Once we have had the chance to speak to a representative at XXXX XXXX as the said Lender, then we can formally file the Complaint with the Lender and not the Servicer applicable by federal law, we shall then request to hold Mediation in XXXX  New Jersey [ ] We Also Require by XX/XX/XXXX - that you have sent a copy of this complaint to XXXX XXXX and show proof by CCing the Communication to the Homeowner of what you Send { OCWEN }. And wait for a Full reply from XXXX XXXX, if you receive a reply that you shall send the Unedited copy stamped when you received this communication from XXXX to the Homeowner Continued ..\n<P/><P/><P/><P/>\nNOTES and other comments.\n<P/>\nNote : This Communication has also been sent via USPS Certified mailing to the original sender, sealed and secured as Evidence in any further dispute.\n<P/><P/>\nNote : We are willing to go to the press and media, we have already been contacted by a few who are interested and wish to run a story. However we have held off until you attempt to foreclose without fixing all issues at hand.\n<P/><P/>\nNote : You are publicizing that you are conducting a Summer\nof Help and Hope, please show us that you mean it by acting in good faith and do as your slogan says Helping Homeowners is what you do. <P/><P/> Note : Furthermore Oc\nwen announced it would sell its mortgage servicing rights to XXXX XXXX XXXX XXXX, a wholly owned subsidiary of XXXX. The sale, which includes {$110.00} billion in unpaid principal balance, we would like clarification with a ) did you [ ocwen ] as a part of that sale included any of the interest in this loan and b ) if you did include the sale of rights to this loan, then when did this occur? To continue to act as the servicer you must provide details that this account is still under the contract with Ocwen Loan Servicing and not another party.\n<P/><P/>\nATTACHED DOCUMENT : THE ORIGIONAL mailing of complaints active","date_sent_to_company":"2017-07-12T16:12:43.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"08037","tags":null,"has_narrative":true,"complaint_id":"2567168","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2017-07-07T03:05:54.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<P/>\nI XXXX XXXX on this day, XX/XX/XXXXhereby request for Ocwen known as the Servicer, and XXXX XXXX as said <em>Lender</em> to examine and <em>respond</em> to all complaints, under the Fair Foreclosure Act, and any <em>other</em> acts including Municipal, Federal and state laws of New Jersey, Florida and New York."]},"sort":[12.745467,"2567168"]},{"_index":"complaint-public-v1","_id":"5336634","_score":12.694839,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Citizen Bank refuse to remove a false transaction on the account of {$70.00}!! \n\nInvestigate an invalid charged with goods and services never rendered to the consumer. \nCitizens bank 's dispute resolution department is an absolute mess they delete charges on your account with no signatures no contracts no evidence of anything this has been going on for well over a year now and it keeps things on your account, and they do nothing about it! \nThe Consumer Financial Protection Bureau collects complaints but does not function as a behalf of the consumer I truly do understand that, but a lot of banks get away with a lot of fraud and fail to perform the fiduciary responsibilities and protecting the cardholder. \nThe reason they do this because it costs too much money for the bank to look in and protect the rights of the consumer or the cardholder because they really could care less about protecting the rights of the holder. \nThis is where the Consumer Financial Protection Bureau comes in to enforce those rights or at least try to find out what is going on by leaving invalid inaccurate transactions on the account.\n\nWe have made XXXX phone calls about this and Citizens bank does nothing! \n\nXXXX XXXX live call with Citizen : I'm speaking on a recorded line again thank you XXXX you're welcome alright so that's pretty much about it I just need to find out why this charge of {$70.00} is still in the account and should I go ahead and give you the claim number. \nI'll be able to provide further insight did you receive weather several letters and I and I keep on faxing it back to you with an explanation in fact what I'm going to do is I'm going to scan all these letters and send them directly to your department. \n\nSo I guess my question to Citizens Bank and I could probably reference the Consumer Financial Protection Bureau is that how the world did they get away with something when they know that there is no sales receipt number one there's no contracts no there is no imprint or swipe of the card there was no goods and services rendered in a still keep it on your account you know it's it's it's quite frankly mind boggling. \n\nA quick review of what's going on here OK I have a letter for all these letters out I got a letter dated XX/XX/XXXX we responded to no goods and services got a letter from you guys XX/XX/2022 we responded to got a letter XX/XX/XXXX we responded to that letter we got it also another letter XX/XX/2022 basically stating the same things again and we responded by fax last night uh on XX/XX/XXXX and in that fax it clearly states that after several phone calls with Citizens Bank consumer services department and the merchant by stating there are no signs sales receipts no goods and services rendered and there was it was mistakenly placed on the account and consented and agreed and stipulated by the merchant which is actually the XXXX XXXX XXXX and that's a sister company of the restaurant for XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account is invalid inaccurate and I said please do not hesitate to call and they never call you Citizens Bank never calls you so we've you know we went over this and there's a new XXXX number which is XXXX. \n\nSo therefore whoever is making these decisions in the back office for Citizens Bank either an it's done by a computer system like like XXXX or or XXXX you know what XXXX is those little machines you talking to or it's done by a human being that's absolutely completely XXXX XXXX XXXXXXXX  and has failed to look at any of the evidence which there isn't any and furthermore to respond to something how do you respond to something with nothing with no car accident with no transaction with no goods and services rendered you know how is that even possible but we've always faxed back every time we get a letter we fax it back to you guys giving an explanation and and we just go in circles and circles and circles and circles and circles and circles and only reason why I put so much effort into it is because what happens it with {$750.00} what happens if with {$7000.00} what happens if it was a half {>= $1,000,000} you understand.You may have a legal claim if your bank doesn't tell you why they denied your disputed transaction. Claims can be awarded under this regulation even where the bank did everything else rightwhere they did a proper investigation, but they didn't follow the rules and tell you why they did what they did f there are many individuals with the same grievances, banks and other financial institutions can be XXXX through class-action lawsuits. Beyond filing a lawsuit, you have the option of filing a complaint with a government agency about your concern with the bank, which can still result in you getting financial relief. \n\nCan I XXXX a Bank?\n\nIn many cases, consumers agree to arbitration clauses in the fine print of contracts with financial institutions. These clauses limit consumers ' ability to sue. Instead, consumers are usually required to attend arbitration to settle disputes with financial institutions. A consumer protection attorney can look at the facts of your case to determine if it's possible for you to sue your bank, or if it's worth entering arbitration to attempt to resolve the dispute. \n\nWith that said, it may be possible to sue banks in small-claims court or through class-action lawsuits. Small claims court involves suing for an amount of money that is often limited to {$5000.00} or less, depending on state law. \n\nIf there are many individuals with the same grievances, banks and other financial institutions can be sued through class-action lawsuits. \n\nBeyond filing a lawsuit, you have the option of filing a complaint with a government agency about your concern with the bank, which can still result in you getting financial relief. \nWhere to File a Consumer Complaint About a Bank Option 1 : Federal Reserve Consumer Help If you have a complaint about a bank such as XXXX XXXX, XXXX XXXX, or another financial institution, the Federal Reserve System might be able to help you. The Federal Reserve is responsible for carrying out many of the federal laws that protect consumers in their dealings with financial institutions. \n\nThe XXXX XXXX XXXX, located in XXXX XXXXXXXX, works with the XXXX XXXX XXXX XXXX around the country to make certain the commercial banks that the Federal Reserve supervises abide by these laws. The Federal Reserve can help individual consumers by : Answering questions about banking practices Investigating complaints about specific banks under the Reserve 's supervisory jurisdiction Complaints about financial institutions that are not supervised by the Federal Reserve System are referred to the appropriate federal agency. \nWhat Kinds of Complaints are Investigated by the Federal Reserve? \n\nAs a federal regulatory agency, the Federal Reserve System investigates consumer complaints received against state-chartered banks that are members of the System. If you think a bank has been unfair or deceptive in its dealings with you, or has violated a law or regulation, you have the right to file a complaint. \n\nThe Federal Reserve is particularly concerned that state member banks comply with federal laws and regulations that prohibit discrimination in lending. In such cases, additional steps are taken to ensure that your complaint is promptly and thoroughly investigated. In addition, complaints alleging discrimination in housing that are covered by the Fair Housing Act are referred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nHow to File a Complaint With the Federal Reserve Before writing or calling the Federal Reserve, consumers are encouraged to try to settle the problem with the financial institution first. This may involve directly contacting senior bank management or the bank 's customer service representative for assistance. \n\nFindLaw Newsletters Stay up-to-date with how the law affects your life Enter your email address to subscribe Learn more about FindLaws newsletters, including our terms of use and privacy policy. \n\nThis site is protected by XXXX and the XXXX Privacy Policy and Terms of Service apply. \n\nIf you are still unable to resolve the problem, you may file a written complaint with the Federal Reserve. Include the following information in the complaint : Your name, address, and daytime telephone number, including area code ; Name and address of the bank involved in your complaint or inquiry ; Your bank or credit card account number ; The name of the person you contacted at the bank, along with the date, if applicable ; A description of the complaint. State what happened, giving the dates involved and the names of those you dealt with at the bank. Include copies of any letters or other documents that may help the Federal Reserve to investigate your complaint. The Federal Reserve asks that you do not send original documents, copies are preferred. Remember to sign and date your letter. \n\nIt's important to give the Federal Reserve as much information about the problem as possible ; this will assist the Federal Reserve in providing a quicker response to you. \nOption XXXX : Consumer Financial Protection Bureau If you have an issue with a credit card company, consumer loan, student loan, mortgage, or other financial services, you can file a complaint with the Consumer Financial Protection Bureau ( CFPB ). The CFPB is a government agency in the United States that makes sure banks, lenders, and other financial companies treat consumers fairly by offering consumer protection tools and resources. \n\nComplaints can be filed online with the CFPB 's free Consumer Complaint Database or over the phone by calling XXXX. Here is the process : You submit a complaint to the CFPB. \nThe CFPB reviews your complaint and determines if it should be forwarded to another government agency or should be sent to the company you are complaining about. \nThe company responds and reports back the action they are taking. \nWith your consent, the CFPB publishes information about the complaint on the public Consumer Complaint Database. \nYou are notified when the company responds and are able to review the response and provide your feedback. \n\nThe CFPB serves as a helpful intermediary between you and the bank you have had trouble with. It can be easier to get a response and a resolution with the CFPB 's involvement. \nOption XXXX : Your State Attorney General 's Office Each U.S. state and territory has an attorney general who serves as the top legal officer. Most attorneys general take complaints from state residents on a wide range of consumer issues, including grievances against banks and other financial services.\n\nYour XXXX XXXX office may decide to pursue an investigation into the bank, or it may just make a public or private record of your complaint. Call your XXXX XXXX  office or visit the XXXX XXXX website to find out more information. \nHow to Get Legal Help With Filing Consumer Complaints Against a Bank Has your bank violated a law or regulation? If you have suffered from unfair lending practices or had deceptive dealings with a financial institution, then assert your right as a consumer and file a complaint. \n\nWhile you can file a consumer complaint against a bank by following the above directions, you should seek help from an attorney experienced in discrimination issues or consumer protection if you have additional questions or concerns. \n\nReport problems with your bank, financial institution, lender, or broker. There are tips to help you file a complaint : Contact the branch manager, the customer service hotline, or the institution 's website.\n\nUse this sample complaint letter to explain your problem and how you want the bank to fix it.\n\nProvide copies of receipts, checks, or other proof of the transaction.\n\nIf the bank doesn't help, get help from the correct regulatory agency.\n\nComplaints About Deposit Accounts Find out which agency accepts complaints about your financial institution.\n\nContact the Office of the Comptroller of the Currency for complaints about a national bank ( has National in its name, or N.A at the end ) federal savings and loans federal savings banks.\n\nFor a problem with a state-chartered bank and trust company, contact either the Federal Deposit Insurance Corporation or your state banking authority .\n\nComplain about a federally chartered credit union with the XXXX XXXX XXXX XXXX.","date_sent_to_company":"2022-03-22T18:12:45.000Z","issue":"Wrong amount charged or received","sub_product":"Domestic (US) money transfer","zip_code":"141XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"5336634","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2022-03-17T21:38:57.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Citizen Bank refuse to remove a false transaction on the <em>account</em> of {$70.00}!! \n\nInvestigate an invalid charged with goods and services never rendered to the consumer. \nCitizens bank 's dispute resolution department is an absolute mess they delete <em>charges</em> on <em>your</em> <em>account</em> with no signatures no contracts no evidence of anything this has been going on for well over a year now and it keeps things on <em>your</em> <em>account</em>, and they do nothing about it!"]},"sort":[12.694839,"5336634"]},{"_index":"complaint-public-v1","_id":"6003971","_score":12.680365,"_source":{"product":"Checking or savings account","complaint_what_happened":"I mobile deposited a check from XXXX for a balance transfer designed for my Huntington Credit card. I spoke with XXXX about the process. They confirmed the process as legit. Huntington put a hold on it on XX/XX/22 which I then contacted Huntington to explain what the check was for with verifiable numbers and dates etc. After a few levels of customer service managers they agreed to reverse any interest incurred for the hold. That was acceptable to me at that point. Two days later I attempted to access my online banking and was receiving errors. I called and first heard an automated system telling me my checking account was XXXX balance. I soon get through to a representative that informs me that my accounts were froze. I had no calls or notice through phone or email that this had been done. Along with my personal access I manage my business access and no longer had access to that as well. That Friday XX/XX/22 I spend a very long time which I can document explaining my problem and attempting to get through to their fraud department. This could have been handled simply if they made any attempt to contact me and verify my information. At the end of Friday I spoke with XXXX an upper level supervisor who still could not help me. He put me through to his boss XXXX voicemail. I never received a call from her. The following week I waited and then I started receiving notifications from autopay set up with other institutions. I also on Tuesday XX/XX/22 at XXXX XXXX received an email telling me the hold on the check was removed. When I called the bank it still showed my account balance as XXXX and I still didnt have online access. When calling again i was told the email I received was auto generated and my accounts still havent been cleared. In the mean time I am trying to go about my days as a busy XXXX and cant spend that much time tied up on the phone. I have records of 40+ minute calls and many others. XX/XX/22 I started my own XXXX XXXX XXXX to which I got an immediate response. That tells me Huntington only cares about what is in the Public eye. Then they will respond. I was then on the phone with managers when the upper manager XXXX finally calls me back 6 days after I left her the original voicemail XX/XX/22. At that point I asked her if she could get me to the fraud department. No. So since I was already on the phone and working with an online person through XXXX I hung up. Apparently a senior customer service person isnt that concerned enough to call until 6 days later. So by the end of XX/XX/22 after 6 hours of attempts I was finally able to get my accounts unlocked by the online person and the phone manager whom is apparently in XXXX charge finally was able to get my online access back. \n\nSince then I have spoken with XXXX In the advocacy department and she was able to reverse interest on the credit card and credit me a couple late fees that occurred from being locked out. \n\nI have asked to be contacted by the VP of operations or the executive in charge of this process. I want a plausible explaination of why this happened in the first place and why there is no direct connection to the fraud department when basically you are being looked at as a criminal. That they absolutely refuse to contact me the consumer and verify any information. I understand fraud is a serious thing but to not have a platform to be able to clear it up in a timely manner is unacceptable. It should have been cleared up on XX/XX/22 or XX/XX/22. My accounts should have never been locked out if I explained what the check was for and had documentation. Every time you call you go through the same verification. Process. I was even willing to go to a branch with multiple ID forms to verify who I am and what I was doing. To have to explain the situation and argue with customer service reps one after the other over and over to get to the next level and and the next is ludicrous. \n\nSo in all this I have spoken to each person as cordially as I could. I explained to each person I understand that they didnt put the system in place but the system is terrible. I was not rude and I thanked each associate along the way because XXXX system put them into those positions. \n\nI would like to reiterate also. The only email communication I received from XXXX was 1 - the email stating the check was held 2 - the checks hold was released. \n\nI in no way was informed of them locking me out of my Business and private checking accounts as well as my savings accounts. I had to figure that out on my own as things happened. \n\nI will continue my work to put out this story until I do get a satisfactory answer, acknowledgment, and apology from the highest operational levels. \n\nI believe I should be compensated above the reversal of interest and return of fees incurred for my time wasted having to fight Huntington to restore my accounts. It would have take simple phone call from the department that handles holds etc to have cleared up the issue before it became an emotionally and time draining two week process. \n\nI started with XXXX XXXX XXXX XXXX Ohio when I was XXXX which then went to Huntington. I have had XXXX mortgages and loans and personal checking and savings for over XXXX years. My wife works at a local credit union as VP of Lending and I never switched from Huntington because of the relationships I have had with lenders and tellers and branch managers. Now I have opened accounts there and am deeply considering dropping Huntington over this uncalled for debacle. \n\nThank you for your consideration. \n\nXXXX XXXX","date_sent_to_company":"2022-09-21T17:06:19.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"444XX","tags":null,"has_narrative":true,"complaint_id":"6003971","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2022-09-21T16:16:28.000Z","state":"OH","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I have had XXXX mortgages and loans and personal <em>checking</em> and savings for over XXXX years. My wife works at a local credit union as VP of <em>Lending</em> and I never switched from Huntington because of the relationships I have had with <em>lenders</em> and tellers and branch managers. Now I have opened <em>accounts</em> there and am deeply considering dropping Huntington over this uncalled for debacle. \n\nThank you for <em>your</em> consideration. \n\nXXXX XXXX"],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[12.680365,"6003971"]},{"_index":"complaint-public-v1","_id":"16829500","_score":12.557968,"_source":{"product":"Mortgage","complaint_what_happened":"The banks are collecting on debts that they do not own.The banks still keep it on their books as if I still owe which is fraud a violation under XXXX, federal accounting rules. Inflating the profits on it and hiding the securitization. I believe the bank sold my note and they are suppose to take it off their books but they didn't. Double Dipping. Financial Statement Fraud. Failure to disclose the ownership ; failure to identify the note holder. I am demand proof by sending a qualified written request under the Real Estate, Settlement Procedures Act, asking for the full ownership chain of title and gap ledger. \n\nHere is a legally authoritative version of your statement, suitable for inclusion in a formal complaint, affidavit, or Qualified Written Request under RESPA : * * Statement of Alleged Financial Misrepresentation and Demand for Ownership Disclosure * * To Whom It May Concern, I am formally asserting that the financial institution servicing my mortgage is actively collecting on a debt it does not legally own. Despite having sold or transferred the underlying promissory note, the bank continues to carry the asset on its balance sheet as if the obligation remains intact. This practice constitutes a material misrepresentation and violates Generally Accepted Accounting Principles ( GAAP ), federal accounting standards, and applicable financial disclosure laws. \n\nSpecifically : - The bank has failed to remove the sold note from its books, thereby inflating its asset base and reported profits. \n- This constitutes * * Financial Statement Fraud * *, as the institution is misrepresenting its financial position to regulators, investors, and the public.\n\n- The securitization of the note has been concealed, and the true ownership interest has not been disclosed to me as the borrower.\n\n- The banks continued collection activity, despite divestiture of the note, amounts to * * double recovery * * a deceptive and unlawful practice.\n\n- There has been a * * failure to disclose the current holder in due course * *, and a * * failure to identify the rightful owner of the note * *, both of which are violations of federal consumer protection statutes. \n\nAccordingly, I am exercising my rights under the * * Real Estate Settlement Procedures Act ( RESPA ) * * and hereby submit a * * Qualified Written Request * * demanding : 1. The full and complete * * chain of title * * for the mortgage note, including all assignments, transfers, and endorsements.\n\n2. A copy of the * * gap ledger * * or equivalent accounting record showing the disposition of the note and any off-balance-sheet treatment.\n\n3. Identification of the current * * note holder * *, investor, or trust entity that owns the beneficial interest in the loan.\n\n4. Disclosure of any securitization agreements, pooling and servicing agreements, or trust documents relevant to the transfer of ownership.\n\nThis request is made pursuant to 12 U.S.C. 2605 ( e ), and I expect a full response within the timeframe mandated by law. Failure to comply may result in further legal action, including regulatory complaints and civil litigation.\n\nCorrespondence Address : Select Portfolio Servicing , Inc . \nXXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX In the Matter of : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Account Number # XXXX R.E.S.P.A. QUALIFIED WRITTEN REQUEST Dear Sir or Madam : Please treat this letter as a qualified written request under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ).\n\nSpecifically, we are disputing a ) the identity of a true secured lender/creditor, and b ) the existence of debt, and c ) your authority and capacity to collect on behalf of the alleged lender/creditor. Because of extensive criminal activity and fraud in this arena, we require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. Further, we require proof that you are the entity that has been contracted to work on behalf of the alleged lender/creditor. \n\nPursuant to Subtitle E Mortgage Servicing of the Dodd-Frank Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ), please provide : 1. A full, double sided, certified true and accurate copy of the original promissory note and security instrument and all assignments of the security instrument.\n\n2\n\n. Full name, address and telephone number of the actual entity that funded the transaction. 3. Full name of Trust where the Note Number is trading, or has traded, and the identifying Series of Certificates. 4. Full name, address, and telephone number of the Custodian of my origina\nl Promissory Note, including the name, address and telephone number of any trustee or other fiduciary. This request is being made pursuant to Section 1641 ( f ) ( 2 ) of the Truth In Lending Act.\n\n5. Full name, address, and telephone number of the Custodian of my original Security Instrument ( mortgage or deed of trust ), including the name, address and telephone number of any trustee or other fiduciary. This request is being made pursuant to Section 1641 ( f ) ( 2 ) of the Truth In Lending Act.\n\n6. A physical location ( address ) of the original promissory note, original security instrument, and all assignments of the security instrument, and a contact name and phone number of someone who can arrange for inspection of said documents.\n\n7. Full name, address and telephone number of any master servicers, servicers, sub-servicers, contingency servicers, back-up servicers or special servicers for this account.\n\n8. The electronic MERS number assigned to this account if this is a MERS Designated Account. The MERS Milestone Report, if the note number and security instrument was tracked by Mortgage Electronic Registration Systems. I want to see the audit trail of the alleged transfer in ownership and alleged transfer in security interest. Proof of true sale of the note from alleged Lender to investors, by showing : Wire transfer document ( s ), and/or Signed purchase and sale agreement ( s ), Bank statements or similar documentation.\n\n9. All letters, statements and documents sent to me by previous servicers, sub-servicers, agents, attorneys or representatives of your company.\n\n10. A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied.\n\n11. All assignments, transfers, allonge or other documents evidencing a transfer, sale or assignment of my mortgage, deed of trust, promissory note or other document that secures payment by me.\n\n12. All Lis Pendens filed by previous servicers, sub-servicers, agents, attorneys or representatives of your company.\n\n13. Have you purchased and charged to the account any Force-Placed Insurance? If so, a complete and itemized statement from the date of the note origination to the date of your response to this letter of the amounts charged for any forced-placed insurance, the date of the charge, the name of the insurance company, the relation of the insurance company to you or a related company, the amount of commission you received for each force-placed insurance event, and an itemized statement of any other expenses related thereto.\n\n14. A complete and itemized statement from the date of the note origination to the date of your response to this letter of any suspense account entries and/or any corporate advance entries related in any way to this account.\n\n15. A complete and itemized statement from the date of the loan to the date of your response to this letter of any property inspection fees, property preservation fees, broker opinion fees, appraisal fees, bankruptcy monitoring fees, or other similar fees or expenses related in any way to this loan.\n\n16. A statement/provision under the security instrument and/or note that authorizes charging any such fee against the account.\n\n17. Copies of all property inspection reports and appraisals, broker price opinions, and associated bills, invoices, and checks or wire transfers in payment thereof.\n\n18. Complete copy of any transaction report ( s ) indicating any charges for any \" add on products '' sold to the debtors in connection with this account from the date of the note origination to the date of your response to this letter.\n\n19. Complete and itemized statement of any late charges added to this account from the date of the note origination to the date of your response to this letter.\n\n20. Complete and itemized statement of any fees incurred to modify, extend, or amend the loan or to defer any payment or payments due under the terms of the loan, from the date of the note origination to the date of your response to this letter.\n\n21. Complete, itemized statement of the current amount needed to pay-off the alleged loan in full.\n\n22. Verification of any notification provided to me of a change in servicer.\n\nYou should be advised that within FIVE ( 5 ) DAYS you must send us a letter stating that you received this letter. After that time you have THIRTY ( 30 ) DAYS to fully respond as per the time frame mandated by Congress, in Subtitle E Mortgage Servicing of the Dodd-Frank Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ).\n\nTRUTH IN-LENDING ACT 131 ( f ) ( 2 ) Pursuant to 15 U.S.C. 1641 ( f ) : Please provide the name, address and telephone number of the owner ( s ) of the mortgage and the master servicer of the mortgage.\n\nYou should be advised that Violations of this Section provide for statutory damages of up to {$4000.00} and reasonable legal fees. The amendments also clearly provide that the new notice rules are enforceable by private right of action. 15 USC 1641 Sincerely, ____________________________ ________________ XXXX XXXX XXXX Date : XX/XX/year> ____________________________ ________________ XXXX XXXX XXXX Date : XX/XX/year> CC : U.S. Certified Mail # __________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of Housing and Urban Development XXXX XXXX XXXX XXXX XXXX DC - XXXX","date_sent_to_company":"2025-11-04T15:10:29.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"07060","tags":null,"has_narrative":true,"complaint_id":"16829500","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2025-10-26T01:03:22.000Z","state":"NJ","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["Copies of all property inspection reports and appraisals, broker price opinions, and associated bills, invoices, and <em>checks</em> or wire transfers in payment thereof.\n\n18. Complete copy of any transaction report ( s ) indicating any <em>charges</em> for any \" add on products '' sold to the debtors in connection with this <em>account</em> from the date of the note origination to the date of <em>your</em> response to this letter.\n\n19."],"sub_product":["<em>Other</em> type of mortgage"]},"sort":[12.557968,"16829500"]},{"_index":"complaint-public-v1","_id":"2466067","_score":12.330969,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted this claim prior but their response is still inaccurate.  [ C ase number :  XXXX  : YOUR COMPLAINT On   XXXX  , I was contacted by  XXXX  and found out that payments made to  XXXX   XXXX  loans were only being applied to my  XXXX   XXXX . This has my  XXXX   XXXX  behind over 150 days behind despite paying almost double the minimum payment monthly for over 2 years. Being concerned about my credit report I agreed to forebearance to bring current. I have requested that i have written explanation of this and resolution so going forward so funds can be applied appropriately but seeing the articles I am concerned that this matter wont be resolved Hide full complaint What product or service is your complaint about?     PRODUCT OR SERVICE Student loan TYPE Federal student loan What type of problem are you having?       ISSUE Dealing with my lender or servicer HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?   No Additional information COLLEGE OR UNIVERSITY  XXXX   XXXX  NAME ON ACCOUNT  XXXX   XXXX  CONSUMER DISPUTED COMPANY 'S RESPONSE?   No What happened?     On  XXXX , I was contacted by  XXXX  and found out that payments made to   XXXX   XXXX   Direct loans w ere only being applied to my  XXXX   XXXX . This has my  Direct Student b ehind over 150 days behind despite paying almost double the minimum payment monthly for over 2 years. Being concerned about my credit report I agreed to forebearance to bring current. I have requested that i have written explanation of this and resolution so going forward so funds can be applied appropriately but seeing the articles I am concerned that this matter wont be resolved I want the CFPB to publish this description on  consumerfinance.gov  so that others can learn from my experience.     The CFPB will take steps to remove my personal information from this description but someone  may  still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.               What would be a fair resolution to this issue?     Have the payment made to the separate account list on the payment forms, written letters to al l 3  credit agencies and correct the reports admitting to misappropriation of payments on their behalf with a letter for my own personal records What company is this complaint about?      COMPANY INFORMATION   XXXX   XXXX  Other information about this company What people are involved?       YOUR CONTACT INFORMATION  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , New York  XXXX  United States Sent to company STATUS Sent to company on  XXXX  We 've sent your complaint to the company, and we will let you know when they respond.     Their response should include the steps they took, or will take, to address your complaint.     You should receive an update from the company within the next 15 days, and a final response within 60 days.     Company responded STATUS Company responded Closed with explanation on  XXXX  RESPONSE TYPE Closed with explanation Company 's response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. ED-Navient currently services two  Direct Stafford Loans on  your behalf.  XXXX  currently services a  Federal Consolidation Loan  on your behalf. Your  Direct  Loans and Consolidation Loan require separate payments to different addresses. Our records indicate that payments of {$35.00} have been received for your   XXXX    serviced loan, which are insufficient to cover the full monthly payment amount. You can view your full payment history by logging into your account on  XXXX , selecting 'Account History ' from the menu, and selecting the time-period you wish to view. The monthly payment for your ED-  XXXX   loans is {$41.00} and is next due approximately   XXXX   XXXX   XXXX    . The monthly payment for your  XXXX  loan is {$320.00}, and is next due approximately   XXXX   XXXX   XXXX    . We offer several options for making electronic payments free-of-charge. You may submit a payment online at   XXXX    by using your checking or savings account. You can also authorize the automatic deduction of funds from your bank account by enrolling in  Auto  Pay. If you use e-billing through your bank or another third-party bill pay service, another payment option is to establish  XXXX  as the payee using your account number and  XXXX  's payment address. Please send payments for your ED- XXXX  loan to  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX . Please send payments for your  XXXX  serviced loan to  XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX . We 've conducted a thorough investigation stemming from your request that we review your credit report, which was completed. Based on the information available, our research has concluded that the information we 're reporting to the consumer reporting agencies is accurate and that no corrections are warranted. We have updated your credit report to reflect your disputed lo an ( s  ) as follows : Completed investigation of FCRA dispute - consumer disagrees. This narrative will be reflected on your credit report for each open loan you included in your dispute and will be included with our next update to the  Consumer Reporting Ag encies. If you wish to have this narrative removed from your credit report, please write to us at  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX . Please include your name, address, account/loan number  ( s  ), and indicate that you wish to have the dispute narrative removed from your credit report. The Fair Credit Reporting Act requires lenders who report information to the consumer reporting agencies to do so with accuracy.  XXXX  can not remove accurate information previously reported. We have confirmed our credit reporting is accurate.","date_sent_to_company":"2017-04-25T18:09:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10469","tags":null,"has_narrative":true,"complaint_id":"2466067","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-04-25T18:09:33.000Z","state":"NY","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The monthly payment for <em>your</em>  XXXX  loan is {$320.00}, and is next due approximately   XXXX   XXXX   XXXX    . We offer several options for making electronic payments free-of-<em>charge</em>. You may submit a payment online at   XXXX    by using <em>your</em> <em>checking</em> or savings <em>account</em>. 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