{"took":115,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":87,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18119637","_score":19.726809,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this complaint because an account on my credit report is being reported inaccurately, and it is causing me serious financial hardship. I have always tried to be responsible with my credit, and having an accurate credit report is extremely important to me. My credit score affects every part of my life from being able to qualify for reliable transportation, to securing stable housing, and even being approved for basic necessities. \n\nBecause of the inaccurate information being reported, I have been struggling to get approved for things I genuinely need. Ive recently been denied for credit that would have helped me manage essential expenses, and Im feeling overwhelmed and helpless. This situation has put me under a lot of stress, and it feels unfair to be penalized for something that is not even correct. \n\nI exercise my legal right 15 U.S. Code 1681i to dispute this errored account. This account has errors and missing incomplete information that makes this account reporting inaccurately under FCRA law. Section 15 U.S. Code 1681i ( a ) ( 5 ) of the FCRA states you must update or DELETE inaccurate, incomplete or unverifiable information. \n\nI am asking for the CFPB to be involved in this process because this creditor has already failed to conduct a reasonable investigation into a consumer dispute. \n\nExperian, Equifax and XXXX XXXX XXXX shall delete this inaccurate account because it violates my rights under FCRA law. \n\nI have identified multiple errors and inconsistencies that require immediate correction under the Fair Credit Reporting Act ( FCRA ). \n\nXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$15000.00} Balance is Missing : This account shows as paid why this is still not updated to XXXX? \nBalance Updated is Missing This is paid off when was the balance updated?. \nRecent Payment is Missing When is the last time I made payment in this account? \nHighest Balance fields is Missing What is the highest balance in this account? \n\nThe payment history for this account contains multiple MISSING entries. From XX/XX/XXXX to XX/XX/XXXX, the account is reported as current. Following this period, the report shows ND ( no data ), then suddenly C in XX/XX/XXXX, suggesting a collection status without clear progression.After reporting as a collection, the account again shows ND, then reports XXXX days late, and later displays Repossession.These contradictory and inconsistent entries do not form a logical timeline. XXXX is opn then collection and closed, then reopened again XX/XX/XXXX to XX/XX/XXXX are Missing. Reporting no data for XXXX and XX/XX/XXXX. \n\nIf you choose not to delete this account, you MUST add the following consumer statement to this tradeline : Multiple months are reported as ND ( No Data ) in the Payment History. Because significant portions of the payment history are missing, the account is not accurately or fully reported, and these omissions create a materially misleading impression of the account holders credit behavior. The missing ND entries jeopardize the integrity of this accounts data and can materially affect the consumers credit scores. Please complete the payment history or this account or delete this from my credit report. \n\nI need your agency to complete the payment history from the day it was opened to the latest month. \nLastly, I am writing to formally request the removal of all In Dispute, Account in Dispute, Consumer Disputes This Account, or similar dispute-related remarks from my credit file. \n\nI respectfully request that this account be fully investigated and removed from my credit report if the furnisher can not provide accurate, consistent, and verifiable documentation. I am simply asking for fairness and for my credit report to reflect truthful information. I truly need your help resolving this as soon as possible. \n\nThank you for your time and urgent attention to this matter.","date_sent_to_company":"2025-12-03T18:04:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10950","tags":null,"has_narrative":true,"complaint_id":"18119637","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-03T17:55:21.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["If you choose not to delete this <em>account</em>, you MUST <em>add</em> the following consumer statement to this tradeline : Multiple <em>months</em> are reported as ND ( No Data ) in the <em>Payment</em> History. Because significant portions of the <em>payment</em> history are <em>missing</em>, the <em>account</em> is not accurately or fully reported, and these omissions create a materially misleading impression of the <em>account</em> holders credit behavior."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[19.726809,"18119637"]},{"_index":"complaint-public-v1","_id":"8133201","_score":18.895067,"_source":{"product":"Credit card","complaint_what_happened":"Chain of events : - I made a purchase with a merchant, Value City XXXX, on XX/XX/XXXX of {$2300.00}. It states on my receipt that I have a 12 month no interest plan. \n- On XX/XX/XXXX, there was a fraudulent charge on my account around XXXX of XXXX of {$2400.00}. \n- On XX/XX/XXXX, I disputed the fraudulent charge and Synchrony bank created a new account for me and closed the original account, and the fraudulent charge was removed. \n- While still making the minimum monthly payments, I was charged interest on XX/XX/XXXX ( {$26.00} ) and XX/XX/XXXX ( {$25.00} ). I noticed this on XX/XX/XXXX and contacted Synchrony bank that day to have those charges removed and request that the promotion that I was supposed to have get re-added, since somehow it went missing during the account transfer. I was told they'd create an incident and should have been resolved in few business days. \n- On XX/XX/XXXX, I call Synchrony again as I did not get a resolution, and was told it'd be escalated within XXXX business days. \n- On XX/XX/XXXX, I received an e-letter stating that they can not fix the promotion because it's been over 6 months since the date of the transaction, and that I am held responsible for the interest that has been charged on my account. \n\nOn an additional note, I did not use my credit card even once yet somehow someone was able to use my credit card and make a fraudulent charge should be 100 % investigated, because something doesn't seem right about this. My credit card account was opened on the date of transaction and was shipped to my address, and it sat on my desk and never was touched after. I never made a physical nor virtual transaction with the card since I opened the account. The only thing I have done was setup my profile with Synchrony and make payments. I'm being told they can't do anything after 6 months of purchase and yet the first interest charge was 6 months after the purchase, which seems like more than a coincidence since the only people who had access to my information were the ones who created the account.","date_sent_to_company":"2024-01-10T02:41:29.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"60089","tags":null,"has_narrative":true,"complaint_id":"8133201","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-01-10T01:44:13.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["My credit card <em>account</em> was <em>opened</em> on the date of transaction and was shipped to my address, and it sat on my desk and never was touched after. I never made a physical nor virtual transaction with the card since I <em>opened</em> the <em>account</em>. The only thing I have done was setup my profile with Synchrony and <em>make</em> <em>payments</em>."]},"sort":[18.895067,"8133201"]},{"_index":"complaint-public-v1","_id":"8624666","_score":18.885267,"_source":{"product":"Mortgage","complaint_what_happened":"I have a major problem with my mortgage company Penny Mac. I have owned my home for XXXX years and never had a problem making the mortgage payment until last year when XXXX and a serious case of XXXX kept me out of work for a full month. I have a USDA loan backed by the government and Penny Mac is supposed to provide options for struggling homeowners to address their delinquent payments. Penny Mac has denied access to these options and despite multiple attempts to try and get a review or program considered I am turned down and told that the only option is full reinstatement which is currently about {$9000.00} which I do not have. A sale date has now been set for XX/XX/XXXX. After missing one payment I was able to make the following months payment and I opened a new bank account and added Penny Mac in as automatic debit for the mortgage payment each month. I had also changed my phone number and did not receive any calls or notifications from Penny Mac relating to the mortgage payment. Apparently these payments were NOT being deducted from my bank account and once I realized it ( after 3 months ) I began frantically contacting Penny Mac to try and work something out. I tried to make 5 payments at once {$5400.00} to get back on track in XXXX but was told that was not enough money and that I needed reinstate the full past due amount. So I tried to engage with the loss mitigation department and eventually they sent me the forms to fill out but then I became XXXX XXXX XXXXXXXX again and was out of work for two months. Once I was back on my feet I contacted Penny Mac to apply for homeowner assistance options but on multiple occasions I was told that option was no longer available and I must pay back the full past due amount. \n\nI have worked as a XXXX XXXX XXXX  on and off for the last 10 years. I had built up my own XXXX XXXX XXXX which was doing so well that I put XXXX on hold but then XXXX hit and I lost almost all of my customers within a year. I struggled but was able to get back into XXXX and keep up with the mortgage payment. My fiance now lives with me and he works in XXXX XXXX and makes a good living and between the two of us we have more than enough money to make the monthly mortgage payment. The problem is that since the issue began in XXXX XXXX XXXX Penny Mac has obstructed the process and denied access to government homeowner assistance programs that they are required to offer. This is an avoidable foreclosure, I have the ability to pay and have attempted to pay but have been unable to cut through the red tape at Penny Mac. \n\nWe received foreclosure paperwork from Penny mac and their Attorney but we never received information about the state mediation program, which Penny mac is required to provide and offer. I dont understand why this is happening to me ; I have the ability to pay, I have 75 % of the past due amount in my bank account to try and resolve this matter but I just run into a brick wall with Penny Mac","date_sent_to_company":"2024-03-25T19:21:00.000Z","issue":"Struggling to pay mortgage","sub_product":"USDA mortgage","zip_code":"156XX","tags":null,"has_narrative":true,"complaint_id":"8624666","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2024-03-25T19:16:19.000Z","state":"PA","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":["After <em>missing</em> one <em>payment</em> I was <em>able</em> to <em>make</em> the following <em>months</em> <em>payment</em> and I <em>opened</em> a new bank <em>account</em> and <em>added</em> Penny Mac in as automatic debit for the mortgage <em>payment</em> each <em>month</em>. I had also changed my phone number and did not receive any calls or notifications from Penny Mac relating to the mortgage <em>payment</em>."]},"sort":[18.885267,"8624666"]},{"_index":"complaint-public-v1","_id":"6717371","_score":17.524654,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Opened the account XX/XX/XXXX. They started reporting my account late or missing payments around XX/XX/XXXX. I have never been XX/XX/XXXX days late on this account. Payments are due on the XXXX of each month with a 10 day grace period. I have been reported to credit bureau 17 times as late or missing payments. I have my bank statements back to XXXX and each and every payment has been made and accounted for. On XX/XX/XXXX I went to a car dealership to get me another car. Once they pulled my credit report, I was told that my payment history on my existing car loan was horrible. I immediately called XXXX  to inquire about when has my account been XX/XX/XXXX late and the answers that I received were all over the place. Every time I would correct her on something she would come up with something else. She eventually told me that I owed {$74.00} in late fees and that if I paid that then my account would be marked current. I continued to question her on the dates that my account was at least 30 days late and she went back to XX/XX/XXXX. She stayed that I didn't make the payment. When I gave her the date that the payment was made all she could say was I owed the late fees. Frustrated I told her that I would make the {$74.00} payment and that my account had better reflect that it was current which does nothing for the fact that all three credit bureau have info of 15 late or missing payments. I made the {$74.00} payment then on XX/XX/XXXX I received a letter from XXXX stating that I now owe {$230.00} in late fees. Once again I called XXXX  at this point I can't even sign into my XXXX  portal account. I went back and forth with the agent asking how did I owe {$230.00} in late fees when I just paid {$74.00} for late fees on XX/XX/XXXX. She told me that the {$74.00} was for added to my XX/XX/XXXX payment because she said that I didn't make it. My XXXX payment was made on XX/XX/XXXX ( $ XXXX $ XXXX {$330.00}. XXXX ) so how could that be? She hungup on me. By the way my XX/XX/XXXX payment was also reported to the credit bureaus as 30 days late. I have and continue to dispute this with all three credit bureaus and the XXXX. My next step is to file a suit against XXXX  with an Attorney. Although I did manage to get me another car, I was able to trade the car financed thru XXXX  so I have to car payments and two insurance payments with no end to this night mare with XXXX. The stress, frustration and aggregation that this is causing in ridiculous. XXXX  don't even report the accurate payment dates that I made my payments on. I know this is against the law and I will fight this to the end to correct what they have done wrong. I have included my payments on the 17 late reports and my bank account records showing when those payments were made. I also include a print out of what XXXX  has reported to the credit bureaus. None of my payments have gone past XX/XX/XXXX days past the current payment date. I want my credit reports to be corrected.","date_sent_to_company":"2023-03-20T02:30:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89147","tags":null,"has_narrative":true,"complaint_id":"6717371","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-03-20T02:30:44.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Opened</em> the <em>account</em> XX/XX/XXXX. They started reporting my <em>account</em> late or <em>missing</em> <em>payments</em> around XX/XX/XXXX. I have never been XX/XX/XXXX days late on this <em>account</em>. <em>Payments</em> are due on the XXXX of each <em>month</em> with a 10 day grace period. I have been reported to credit bureau 17 times as late or <em>missing</em> <em>payments</em>. I have my bank statements back to XXXX and each and every <em>payment</em> has been made and <em>accounted</em> for. On XX/XX/XXXX I went to a car dealership to get me another car."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[17.524654,"6717371"]},{"_index":"complaint-public-v1","_id":"6717293","_score":17.503397,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Opened the account XX/XX/XXXX. They started reporting my account late or missing payments around XX/XX/XXXX. I have never been 30/60/90 days late on this account. Payments are due on the XXXX of each month with a 10 day grace period. I have been reported to credit bureau XXXX times as late or missing payments. I have my bank statements back to XXXX and each and every payment has been made and accounted for. On XX/XX/XXXX I went to a car dealership to get me another car. Once they pulled my credit report, I was told that my payment history on my existing car loan was horrible. I immediately called ACA to inquire about when has my account been 30/60/90 late and the answers that I received were all over the place. Every time I would correct her on something she would come up with something else. She eventually told me that I owed {$74.00} in late fees and that if I paid that then my account would be marked current. I continued to question her on the dates that my account was at least 30 days late and she went back to XX/XX/XXXX. She stayed that I didn't make the payment. When I gave her the date that the payment was made all she could say was I owed the late fees. Frustrated I told her that I would make the {$74.00} payment and that my account had better reflect that it was current which does nothing for the fact that all three credit bureau have info of 15 late or missing payments. I made the {$74.00} payment then on XX/XX/XXXX I received a letter from ACA stating that I now owe {$230.00} in late fees. Once again I called ACA at this point I can't even sign into my ACA portal account. I went back and forth with the agent asking how did I owe {$230.00} in late fees when I just paid {$74.00} for late fees on XX/XX/XXXX. She told me that the {$74.00} was for added to my XX/XX/XXXX payment because she said that I didn't make it. My XXXX payment was made on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) so how could that be? She hungup on me. By the way my XX/XX/XXXX payment was also reported to the credit bureaus as 30 days late. I have and continue to dispute this with all three credit bureaus and the XXXX. My next step is to file a suit against ACA with an Attorney. Although I did manage to get me another car, I was able to trade the car financed thru ACA so I have to car payments and two insurance payments with no end to this night mare with ACA. The stress, frustration and aggregation that this is causing in ridiculous. ACA don't even report the accurate payment dates that I made my payments on. I know this is against the law and I will fight this to the end to correct what they have done wrong. I have included my payments on the 17 late reports and my bank account records showing when those payments were made. I also include a print out of what ACA has reported to the credit bureaus. None of my payments have gone past 30/60/90 days past the current payment date. I want my credit reports to be corrected.","date_sent_to_company":"2023-03-20T02:30:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89147","tags":null,"has_narrative":true,"complaint_id":"6717293","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"American Credit Acceptance, LLC","date_received":"2023-03-20T01:19:41.000Z","state":"NV","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Opened</em> the <em>account</em> XX/XX/XXXX. They started reporting my <em>account</em> late or <em>missing</em> <em>payments</em> around XX/XX/XXXX. I have never been 30/60/90 days late on this <em>account</em>. <em>Payments</em> are due on the XXXX of each <em>month</em> with a 10 day grace period. I have been reported to credit bureau XXXX times as late or <em>missing</em> <em>payments</em>. I have my bank statements back to XXXX and each and every <em>payment</em> has been made and <em>accounted</em> for. On XX/XX/XXXX I went to a car dealership to get me another car."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[17.503397,"6717293"]},{"_index":"complaint-public-v1","_id":"10274271","_score":17.395897,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XX/XX/XXXX my husband and I purchased a XXXX XXXX XXXX from XXXX XXXX XXXXXXXX. We signed and were happy when driving off the lot. Before getting home less than XXXX miles away I noticed power issues I did not notice during our test drive. The check engine light came on and the vehicle lost power and would not accelerate. I contacted the dealership to inform them and was able to get it into the service department. They gave us a loaner vehicle for a few days and informed us nothing major was found. \nThis exchange happened XXXX more times before XX/XX/XXXX. Being pregnant and having XXXX other young children I did not want to be worried about vehicle safety as this would be my primary vehicle and I was concerned. The saleman we originally worked with showed us other vehicles to trade in for and ultimately we ended up in the XXXX XXXX XXXX in question. During the \" trade '' simply due to mechanical defect we were made to believe it would be straight across with no issues. We had previously looked at the XXXX we ended up purchasing and had been informed it was a little out of our price range but because the inconvenience the dealer and finance was able to help us by giving the value of the pathfinder as a \" traded downpayment '' which in theory would have lowered our monthly cost. After a little back and fourth with finance sales and even the XXXX came in to chat with XXXX at XXXX point about the sale and financing options. \nAfter a very long day in the dealership with XXXX young boys we finally got the approval and it was time to sign. We quickly swapped vehicle info and signed away. We left happy customers and spoke highly of the customer service we received from everyone involved even with all the difficulties we had. \nThe sticker price of the pathfinder was XXXX. The sticker price of the XXXX was XXXX. \nWe were informed in the finance office with XXXX we would be getting the value if the vehicle as written on the contract \" XXXX '' This information I will include in my uploaded documents. \nWe were NOT informed we would be given negative equity for the pathfinder we were also under the impression that XXXX would be subtracted from the XXXX as that is how a typical trade works with the value of a vehicle. \nNow that would leave us to have a total of XXXX not including interest. That is not what happened. We ended up with XXXX in finance fees plus interest leaving us XXXX and change in debt with a monthly total of XXXX shown in the documents. \nNow it's been XXXX years since signing this contract. Being a busy mother who just had a great experience with what seems to be honest men doing honest work I had absolutely no reason to believe we would be lied to about how the sale was actually happening. \nI found this information out about XXXX week ago when I opened up a letter in the mail from XXXX XXXX stating I was XXXX behind roughly XXXX of that being late fees. XXXX claimed we were XXXX months behind however I had no information at that time stating which months were \" missed '' and no knowledge of late payments as I was under the impression that had been resolved multiple times throughout the XXXX years with XXXX. This had caused my husband and I to do a deep dive into ALL of our documentation while also providing payment history to be able to prove I was not missing or late on payments. I also learned in this time XXXX had been reporting 30 days late and missing payments for XX/XX/XXXX and XX/XX/XXXX which was easily proved to be incorrect and also a problem with how XXXX financial handles customer problems internally. \n\nNow I'll go back and fill in the missing pieces. \nWhen we purchased our vehicle we told we had about XXXX months before our first payment was due and all we needed to do was change the date if there was a problem. I had called and asked for the due date to be the end of the month I was told that was fine. I made my first payment on XX/XX/XXXX. That was when I began being charged late fees. Some were reversed some not. Finally after months of back and fourth I spoke with a supervisor in XXXX of XXXX who explained my account needed to be current and I needed to put in a request for due date change that they would have to have approved. Not once had I been given that information and the other banks I had been with previously did not work that way. I was under the impression if a date needed to be changed as a consumer I had the right to do so within reason of course. Finally my date was changed to the XXXX of the month and my late fees should have been reversed on the account due to the error. \nIn XX/XX/XXXX my family had an emergency where my husband myself and our XXXX children found our selves homeless. I made my XXXX payment on the XXXX of the month and around the XXXX of the month I called XXXX ( after getting housing for my family ) I explained our situation and explained all our funds that were available were used up and I was not sure how I would be able to make my XXXX payment. The representative I spoke with let me know I could give granted a financial hardship and that month would be added to our last payment. They explained the details asked me a few questions and the conversation ended with me feeling less stressed and appreciative of XXXX. I have continued my payments as normal for the last year. \nXX/XX/XXXX my husband took our XXXX in for regular service when I got a call asking if I was interested in having an appraisal done and if I was interested in selling the vehicle or doing a trade. I figured why not and with a growing family we needed an upgrade. We loved the sequoia and it has ALL the space my XXXX boys need. We test drove and went off to financing. We hit a stopping point when asked about a missing payment for XX/XX/XXXX. But I had proof of payments so that couldn't be correct. \nWe left the dealership with the XXXX and I made phone calls and checked my credit. I found it had dropped significantly due to inaccurate reporting by XXXX financial. \nI called XXXX and once the rep did a little research they were able to find an error that was made and let me know it wasn't an issue on my side and it would be corrected. I lspoke with another rep maybe a month or so later who also informed me it has been corrected and according to the info they have I had no missing or late payments on my account. However they did note the problem with XXXX being reported and said they had the payment and on time so it wasn't an issue. Both reps had both mentioned XXXX financial hardship and how sometimes it can appear missing when it is not. The call ended with me being under the impression the errors were now being corrected and my credit would be repaired and going forward we wouldn't have this issue. \nNow this brings us to XX/XX/XXXX when I received the paper stating I was nearly XXXX dollars behind with nearly XXXX dollars in late fees. I had previously explained that info so I won't do that again but during the multiple phone calls those first few days lots of back and fourth and at least XXXX different reps all giving me different months I was missing all of them mentioning the XX/XX/XXXX hardship I had requested to speak with a supervisor as they typically have more access to the account and can more quickly get the correct information to be able to find what issues occurred and how to correct if. It wasn't until XX/XX/XXXX when I called again that I finally was able to speak with someone. He was able to explain to me the issues with my account. I had quickly given him the information about my account from the beginning from the issue with the pathfinder to that day. He explained the issue with the payment date was due to policies within XXXX and he expressed that reps from the beginning should have given me that information. They had not. \nHe explained that a financial hardship is something that needs to go through a process a representative can not just XXXX that to any caller. \nHe also explained that incorrect reports to credit bureaus and within accounts also needs to go to a different department and the consumer is responsible for mailing in the information that will help to complete the investigation. I explained to him how completely outrageous it is that only supervisors had been able to give me accurate information regarding how accounts work. I questioned why it was that XXXX years had gone by and this was the first time anyone had explained credit reporting errors and how \" extensions '' work. I have previously financed other vehicles with different banks and this is the first time I have ever had issues like this. \nDuring our conversation he had asked if I was willing to do a \" promise to pay '' I had said well yes that's if I do owe but that's not a conversation I think you want to be apart of '' and he said \" I have all day '' so I went on to explain that in my research on my account I had found that when signing for the XXXX not only did they not give us any credit for the pathfinder but they also gave us negative equity for the pathfinder and they added the mechanical break down and additional fees to the XXXX contract. To make it simple what should've occurred with the deal we had made it should have been XXXX warranty/fees+ interest which would have brought our total to around XXXX and not the XXXX we ended up with. \nNow at the time of signing I do recall saying to my husband it didn't seem correct but neither of us had any reason at the point to not trust XXXX. I believe that a business man or women should be taken at word unless proven otherwise and they had been kind enough to \" find a way to make it work '' I had no idea at that time how not reviewing the contract further would negatively impact our family financially. \nIt is my belief that XXXX owes me for diffrence that we have paid that we should not have been responsible for. That total is somewhere around XXXX dollars on top of the credit damages my family was a victim to which has prevented us from buying a home, borrowing for personal loan, and even trading in the XXXX in XXXX of XXXX for something better for our family. \n\nXXXX XXXX XXXXXXXX and XXXX financial have successfully scammed yet another customer. They have destroyed our credit, tarnishing our names for future lenders, they made it impossible for my husband and I to qualify for other loan opportunities, including a home loan in XXXX, multiple times in the XXXX years we have been customers we have been denied simply because the information they report is completely inaccurate.","date_sent_to_company":"2024-09-28T04:34:53.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"970XX","tags":null,"has_narrative":true,"complaint_id":"10274271","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2024-09-28T04:03:37.000Z","state":"OR","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["I made my XXXX <em>payment</em> on the XXXX of the <em>month</em> and around the XXXX of the <em>month</em> I called XXXX ( after getting housing for my family ) I explained our situation and explained all our funds that were available were used up and I was not sure how I would be <em>able</em> to <em>make</em> my XXXX <em>payment</em>. The representative I spoke with let me know I could give granted a financial hardship and that <em>month</em> would be <em>added</em> to our last <em>payment</em>."]},"sort":[17.395897,"10274271"]},{"_index":"complaint-public-v1","_id":"6916538","_score":17.246462,"_source":{"product":"Student loan","complaint_what_happened":"I applied for Public Student Loan Forgiveness back in XX/XX/XXXXXXXX  ( please note - this is the very first moth the PSLF forgiveness waiver was allowed ). I have been making loan payments without default or deferment since XXXX. I have had continuous employment in non-profit higher education for over 20 years. My employment had been verified to date. Currently MOHELA has me at 69 payments. For some reason any payments that I had from XXXX were not showing up. After some research from others seeking PSLF forgiveness, I was told that those who had loans serviced by XXXX XXXX, acquired by XXXX were also showing a gap in payments on their Federal Student Aid account. Looking at my FSA account, I am experiencing the same. I worked with XXXX to dig for proof of the missing payments from XXXX. They found them and send me a 30 page document of the missing payments via snail mail. I uploaded that document to both MOHELA and FSA in XX/XX/XXXX. I have had 3 cases open with FSA since I began the PSLF process with no resolution. I currently have 1 open case ( # Feedback Case # XXXX ) with the missing payment documentation uploaded on XX/XX/XXXX. I have received no communication with FSA since that with the exception of an email in XXXX telling me that they will update me if there is any additional information added to my case. Since XXXX and uploading the missing payment info, I have contacted MOHELA 3 times. They have confirmed that they can see the missing payment information but can not permit forgiveness because my FSA account does not reflect the same. MOHELA said and confirmed that they contacted FSA to elevate my case. However FSA has not contacted me with any updates from the MOHELA correspondence, as they promised in the XXXX email they sent me. I just spent XXXX hours on the phone with MOHELA today to follow up on my last call with them on XX/XX/XXXX. They said that they did elevate the case to FSA but it's just showing that my case is \" in review '' and their hands are tied. I just called FSA Ombudsman today to fill them in on the conversation that I had with MOHELA today. They said that they can not see any communications from MOHELA and that I do have a caseworker assigned to my case and all they can do is make a note of my call. \nI have been assigned a caseworker for about 8 months from Senator XXXX XXXX XXXX Office. They have also not been able to break through any of this, only sending me per-populated emails from MOHELA saying that they are working on it. FSA today told me that I should be receiving a call from them in 1-3 business days. I have been told this every single time I call and have never had a follow up call or email. \nThe limited PSLF waiver payments will be starting again soon. I have done more than my due diligence in consolidating my land for forgiveness right when this all started, updating my employee certifications ( All verified ), and I have made ALL student loan payments since XXXX without deference or default and I have put in more than my time in non-profit work. I have invested well over 100 hours in emails, phone calls, case requests, speaking with my Senator 's office over the course of a year and a half. And yes, no resolution. It seems to me tis is now sitting with FSA to fix my account. They have the payment proof. Once they do that the must communicate with MOHELA and expedite the forgiveness that is more than owed to me BEFORE payments begin again. I am desperate and at a loss on how to proceed at this point. I have tried every single avenue I have accessible to me at this point.","date_sent_to_company":"2023-05-01T17:04:55.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"015XX","tags":"Servicemember","has_narrative":true,"complaint_id":"6916538","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2023-05-01T16:21:03.000Z","state":"MA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["I have had 3 cases <em>open</em> with FSA since I began the PSLF process with no resolution. I currently have 1 <em>open</em> case ( # Feedback Case # XXXX ) with the <em>missing</em> <em>payment</em> documentation uploaded on XX/XX/XXXX. I have received no communication with FSA since that with the exception of an email in XXXX telling me that they will update me if there is any additional information <em>added</em> to my case. Since XXXX and uploading the <em>missing</em> <em>payment</em> info, I have contacted MOHELA 3 times."]},"sort":[17.246462,"6916538"]},{"_index":"complaint-public-v1","_id":"19055916","_score":17.238493,"_source":{"product":"Credit card","complaint_what_happened":"Hello, Let me first say that I want to apologize for taking so long to submit this claim. I am visually disabled and have been having health issues for the better part of a year. I will do my best to describe the situation as best I can in the statement below. This complaint is against Target for their Red Card service and for my account-XXXX On XXXX of XXXX, Target changed their online platform from \" Red Card '' to \" Target Circle ''. When they did so I was locked out of my account and could not make payments. I was sent an email saying that XXXX was switching platforms and that I wouldn't be able to access my account for a week. Once that week passed, I tried to log into my account on the new website and was not able to. This is still XXXX of that time and my last payment was {$50.00} on XX/XX/XXXX, so I thought my account was in good standing. But I continued to try and make payments to my account I wasn't able to do so. I called many times in order to see why I was having this issue and was not able to reach anyone that could help me. I would be transferred again and again until the line would disconnect and I would have to start over again. I had always made my payment online and now I was not able to do so. At a certain point in either XXXX or XXXX, when I called to speak to someone again about my account issues I noticed that the number on the back of my card took to a company called \" XXXX XXXX. '' Not knowing what that company was I figured I had the wrong number. \n\nI eventually learned that this was the collection agency specifically used by XXXX in order to get payment from past due accounts. At this point it had been several months since I had been able to make a payment on my account and many late fees had been added to my account. It took me many tries to reach a live person to talk to at XXXX XXXX. When I did reach somebody they would only ask me for a payment, never put anything in writing, and never listen to me that my account had been in good standing since I had opened it in XXXX never having missed a payment. Finally, because I was advised to do so by a XXXX XXXX, I made a payment of {$40.00} that posted on my account on XX/XX/XXXX since I had to mail it in. I had continually asked for the late fees to be removed from my account and for my account to be placed back in good standing-but that was never an option by the people of Alliance XXXX, not unless I paid all the extra late fees, which I wasn't going to do. \n\nOn XX/XX/XXXX I made another payment of {$120.00} dollars on my account to keep my account open and to show I was serious about making payments on my card. Plus I figured that this payment would cover the previous balance on my card and it would bring my balance to close to zero if the late fees were removed. I also wanted to get my account out of collections and get it to good standing so I could talk to the card service people at XXXX and not at XXXX XXXXwho seemed to be more interested in getting every dime they could out of me and not resolving my issue. But I found out that week that my account had been closed, even though I had called numerous times and made XXXX payments that month totaling {$160.00} in order to show good faith and that I was serious about keeping my account in good standing. \n\nSince then my account has been closed and just accumulating fees & interest to the tune of {$330.00}. My credit score has also taken a big hit because of how this issue has been reported. All I am asking for all the late fees and interest accrued from them to be removed so I can pay what I rightfully owe as well as this \" delinquency '' on the card to be removed from my credit report because it was truly not my fault that this occurred. As I had stated before, I had my account with XXXX since XXXX and never had any issues with making any monthly payments. My credit score was over XXXX at the time of this issue and one does not get a credit score that high by missing payments and being irresponsible with their credit cards. I honestly can not even begin to count how many times I have called the Target customer service number while my account was open in order to correct/fix/resolve this issue-but I was always told that I would have to pay for late fees that were not my fault and accept that my account status would be in bad standing. No one I talked to was willing to put anything in writing and even when I payed {$160.00} in XXXX month-my account was still closed. \n\nI would appreciate any help in this matter that I can receive. I am a XXXX student who does not make enough money to hire a lawyer to represent me, so your organization feels like my lsat chance. How this is being reported on my credit score is hurting my finances and my ability to acquire student loans in many ways, even though I have been a responsible payer of all my accounts. Again, any help I can receive in this matter would be greatly appreciated. \n\nThank You, XXXX XXXX","date_sent_to_company":"2026-01-28T00:24:38.000Z","issue":"Problem when making payments","sub_product":"Store credit card","zip_code":"94607","tags":null,"has_narrative":true,"complaint_id":"19055916","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2026-01-27T23:33:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["At this point it had been several <em>months</em> since I had been <em>able</em> to <em>make</em> a <em>payment</em> on my <em>account</em> and many late fees had been <em>added</em> to my <em>account</em>. It took me many tries to reach a live person to talk to at XXXX XXXX. When I did reach somebody they would only ask me for a <em>payment</em>, never put anything in writing, and never listen to me that my <em>account</em> had been in good standing since I had <em>opened</em> it in XXXX never having missed a <em>payment</em>."],"sub_issue":["Problem during <em>payment</em> process"]},"sort":[17.238493,"19055916"]},{"_index":"complaint-public-v1","_id":"7806071","_score":16.108177,"_source":{"product":"Checking or savings account","complaint_what_happened":"Issue : Missing {$600.00} us bank merchant services account sign-up bonus. \n\nEarlier this year back in XX/XX/2023, I had applied for a US Bank Business checking account AND a US bank Merchant Services Account. \nAt the time of opening these account, the business checking account offered a bonus of {$500.00} and the merchant services account offered a bonus of {$600.00}. As per the terms, both bonuses can be clubbed to make a total of {$1100.00} in bonuses. \n\n8 months later and after having met all the requirements I have still not received the {$600.00} merchant services bonus ( I have received the {$500.00} business checking bonus ). I must mention that I have kept the account open all these months and have also been charged {$5.00} for the payment processing device. \n\nWhat I have done to fix this issue : - Contacted US Bank via phone : I have tried contacting us bank more than twice to resolve this issue. Even called XXXX ( Result : Both times, the representatives only transferred me to various other departments but none were able to help me get the {$600.00} bonus even though I have met all the requirements for the bonus. \n\n- Contacted a Client Account Manager at US bank via email. This is same account manager that had reached out to me for additional information at the time of account opening. \n\nResult : No response After having tried everything in my power to get this bonus and having still not received it, I am forced to file this complaint in hopes of finally getting what I was promised at the time of account opening. \n\nBonus requirements as per the terms : Requirement # XXXX ( Status : Met the requirement ) : You must open a new U.S. Bank Business Checking account and meet the above requirements plus open a new U.S. Bank Payment Solutions MerchanXXXX account by XX/XX/2023 : Met this requirement, opened a Silver Business Checking on XX/XX/2023 and applied for a Merchant services account before XX/XX/XXXX. ) Requirement # 2 ( Status : Met the requirement ) : Accept and settle a transaction into your new U.S. Bank Business Checking account within 60 days. : Met this requirement, Accepted and settled a transaction in first week of XXXX ( XX/XX/2023 ) which is well within the timeframe. \n\nRequirement # 3 ( Status : Met the requirement ) : Not have an existing merchant services relationship with US Bank : Met this requirement as I was a new customer Note : I have submitted my merchant account number along with this complaint Attachments : - Screenshot of the offer and the terms - Proof of application submission - Proof of application approval - Proof of one payment processed for {$0.00} which should help meet the requirements of the bonus - Proof of me being charged {$5.00} for the payment processing device each month - Proof of email sent to client account manager along with date All these files have been added to a zip file which has been attached to my complaint.","date_sent_to_company":"2023-11-05T07:15:26.000Z","issue":"Opening an account","sub_product":"Other banking product or service","zip_code":"98661","tags":null,"has_narrative":true,"complaint_id":"7806071","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2023-11-05T06:06:22.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive terms that were advertised"},"highlight":{"complaint_what_happened":["<em>payment</em> processing device each <em>month</em> - Proof of email sent to client <em>account</em> manager along with date All these files have been <em>added</em> to a zip file which has been attached to my complaint."],"product":["Checking or savings <em>account</em>"],"issue":["Opening an <em>account</em>"]},"sort":[16.108177,"7806071"]},{"_index":"complaint-public-v1","_id":"3458701","_score":16.025953,"_source":{"product":"Checking or savings account","complaint_what_happened":"I applied for a new Citi checking account to receive a bonus valued at {$500.00} after receiving an advertisement. Upon completing the requirements, Citi instead closed my account in error and refused to rectify the situation. \n\nI hold a Citi ThankYou credit card and received an offer from Citibank for XXXX bonus ThankYou points ( value : {$500.00} when redeemed for travel ) if I opened a new checking account, transferred at least {$15000.00} into the account, made 1 bill payment from the account in each of 2 consecutive months within 60 days of opening the account, and maintained a minimum balance. On XX/XX/XXXX, I applied for, and opened a new Citi checking account. I fulfilled all of the requirements ( proof of address, proof of ID, W-9 form, and signature card ) submitted by XX/XX/XXXX, linking my ThankYou rewards  account to the new checking account and receiving an email confirming my enrollment ( see attached ). Mindful of the requirements to fulfill the bonus offer, from the new checking account I made 2 bill payments in XXXX and scheduled another payment on XX/XX/XXXX. \n\nHowever, I attempted to log into my account on XX/XX/XXXX only to discover that it was blocked. Upon calling Citi customer service, I spoke with a supervisor who told me that my account was locked because they had not received a photo ID and proof of address. I had sent this information to Citi via XXXX on XX/XX/XXXX. ( Attached I am including the email I received from Citi on XX/XX/XXXX confirming Citi 's receipt of these documents, as well as the submission I made with XXXX. ) Citi had in fact never notified me it was needed until I was unable to get the account up and running and made several contacts to customer service in XXXX to figure out why - finally someone told me that this information was missing, sent me a link to submit the photos/bills via XXXX and with another call later in XXXX or early XXXX ( I forget exact date ) confirmed that it was received and released my account to make bill payments. Indeed, the supervisor on XX/XX/XXXX told me that he saw that they did in fact receive this information and he would unlock my account and send me a new debit card in 5-7 business days. He even confirmed that the bill payment I had set up on XX/XX/XXXX had gone through ( being the second consecutive month of bill payment and also the 60th day after the account opening, this was needed to fulfill a requirement for the bonus offer. ) All was well, I thought, until today ( XX/XX/XXXX ) when I received an email from Citi to check my secure messages. Upon logging into my account I discovered that the checking account was closed and the balance of nearly {$15000.00} was now XXXX. I called customer service and spoke to a supervisor, who told me that my ID/proof of address was never received and my account was closed and the funds sent to me in a check via postal mail ( not yet received ). She further told me that there were no notes on my account from anyone else I had spoken to, and that I must have been given incorrect information by the supervisor the previous day. When I asked how we could rectify the situation, she told me that there was nothing they could do to honor the XXXX point ( {$500.00} ) reward offer because my account was already closed. To add insult to injury, she told me that I was disqualified from applying for a new rewards offer for 180 days. I emphasized that I followed everything and this was clearly an error on Citi 's part, but she repeated that there was nothing she could do about it. Of course, conveniently for Citi that means that they will not give me the XXXX  points ( {$500.00} ). \n\nI did receive an email from Citi on XX/XX/XXXX telling me that the documents were missing and that I needed to submit them \" by XX/XX/XXXX '' ( Attached below. ) Given that the deadline was nearly a month in the past, that I already had confirmation that the documents were received, and that I had spoken to customer service agents telling me the same, I believed this email to be nothing more than a glitch and I ignored it. Furthermore, the fact that the checking account was fully up and running and was able to link to my ThankYou points account, I had no reason to believe that Citi was actually missing anything.","date_sent_to_company":"2019-12-05T09:26:17.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"60618","tags":null,"has_narrative":true,"complaint_id":"3458701","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2019-12-05T03:17:10.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive terms that were advertised"},"highlight":{"complaint_what_happened":["Furthermore, the fact that the checking <em>account</em> was fully up and running and was <em>able</em> to link to my ThankYou points <em>account</em>, I had no reason to believe that Citi was actually <em>missing</em> anything."],"product":["Checking or savings <em>account</em>"],"issue":["Opening an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[16.025953,"3458701"]},{"_index":"complaint-public-v1","_id":"3044189","_score":15.732958,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To correct and fix my account to the way it was before they had deleted 8 years of history. \n\nThey need to add the 3 missing accounts XXXX/XXXX 7 years of perfect payments paid in full and in good standing & XXXX XXXX 9 months of perfect payment history XXXX limit XXXX balance & XXXX XXXX 1 year and 10 months of good payment status with a XXXX limit XXXX balance Put my score back to the way it was before they deleted everything in my report or recalculate it now that I have more good payment history with 2 other accounts. \n\nDelete all the hard inquiries in which I was denied credit due to their lack of reporting my 3 accounts correctly due to this I was denied credit with every bank because of LACK OF CREDIT HISTORY. \n\nXXXX XXXX and XX/XX/XXXX I had disputed a hard Inquiry with XXXX, Because I did not authorize XXXX, I already had a XXXX account opened since XXXX. I made my last payment on that account in XXXX a d they kept that account on my file as paid I full and it showed that I had some sort of credit history, Legally the last date that you pay off a account.It will remain on yojr file as a paid good status account, Which XXXX  had done. Well ... They received the dispute for my fraudulent inquiry and had deleted everything on my XXXX  report which also led to experion and transunion removing the account as well. I never closed the account so it should of remained on my report so I had some history. I also have 2 credit cards which they are not reporting either, It shows that I am deceased. \n\nI have disputed everything sent them all the information they asked for. I sent them previous reports showing that they in fact did have those accounts as all paid and perfect payment history. I provided them with their own credit reports proving the fact that they deny ever having the account on my report. They say they see no history of anything. I have had to apply for multiple car loans and am still being denied because of their mistake, I have no history. Before this happend XXXX score was XXXX And fico was XXXX it now has a XXXX and states im deceased but they are showing 8 hard inquiries for the car loans. I worked very hard to get my credit where it was and due to XXXX  and the breach they had destroyed everything I had worked for. \n\nI have been trying to get a car loan With no enquiries on my skin reports before I had started applying I have been refused I every bank or credit Union I have good income my credit scores are all above XXXX and I feel that it is due to the lack of my credit history I had my identity stolen in XXXX and I have had to make many adjustments on my report XXXX  had deleted my entire credit history removing an 8 year Old credit card that had a perfect payment status and a do not report my other 2 credit cards that I have a perfect payment history with and it also shows that I'm deceased I have sent them proof that they reported those credit cards because I save my credit reports and they refuse to fix or add the account 's onto the Credit report again so I only have a year and a 1/2 of good paint history with XXXX XXXX and experience but due to XXXX removing the one account the other credit bureaus did as well Having perfect credit scores having Income perfect payment history I still can not get a car loan. So every credit bureau has about 8 hard inquiries for new credit loan enquiries and I just In Disbelief that XXXX  would do something so irresponsible and cause me to not be able to purchase a decent vehicle Because they screwed up and deleted the wrong information it was originally supposed to be a removeable of a hard inquiry from XXXX which I did not do I had a XXXX credit card for 7 years and they ended up removing the entire XXXX account then it just got worse from there now that report nothing and everything else I had mentioned above I am on the verge of calling XXXX XXXX and suing XXXX due to the distress it is causing me not to be able to purchase something that I know I should have no problem getting do you have any thoughts I have already attempted to supply them with all their information they had used to report just 4 months ago and all the way back to when I 1st opened up the credit card in they were reporting it but they state that they can not find it in their system and I'm even sending them their own credit reports with the information .And I want to add in that I was affected by the data breach","date_sent_to_company":"2018-10-12T14:58:42.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"344XX","tags":null,"has_narrative":true,"complaint_id":"3044189","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-10-12T14:58:38.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They need to <em>add</em> the 3 <em>missing</em> <em>accounts</em> XXXX/XXXX 7 years of perfect <em>payments</em> paid in full and in good standing & XXXX XXXX 9 <em>months</em> of perfect <em>payment</em> history XXXX limit XXXX balance & XXXX XXXX 1 year and 10 <em>months</em> of good <em>payment</em> status with a XXXX limit XXXX balance Put my score back to the way it was before they deleted everything in my report or recalculate it now that I have more good <em>payment</em> history with 2 other <em>accounts</em>."]},"sort":[15.732958,"3044189"]},{"_index":"complaint-public-v1","_id":"3044187","_score":15.692012,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To correct and fix my account to the way it was before they had deleted 8 years of history. \n\nThey need to add the 3 missing accounts XXXX/XXXX 7 years of perfect payments paid in full and in good standing & XXXX XXXX 9 months of perfect payment history XXXX limit XXXX balance & XXXX XXXX 1 year and 10 months of good payment status with a XXXX limit XXXX balance Put my score back to the way it was before they deleted everything in my report or recalculate it now that I have more good payment history with 2 other accounts. \n\nDelete all the hard inquiries in which I was denied credit due to their lack of reporting my 3 accounts correctly due to this I was denied credit with every bank because of LACK OF CREDIT HISTORY. \n\nXXXX XXXX and XX/XX/XXXX I had disputed a hard Inquiry with XXXX, Because I did not authorize one, I already had a XXXX account opened since XXXX. I made my last payment on that account in XXXX a d they kept that account on my file as paid I full and it showed that I had some sort of credit history, Legally the last date that you pay off a account.It will remain on yojr file as a paid good status account, Which XXXX had done. XXXX ... They received the dispute for my fraudulent inquiry and had deleted everything on my XXXX report which also led to experion and transunion removing the account as well. I never closed the account so it should of remained on my report so I had some history. I also have 2 credit cards which they are not reporting either, It shows that I am deceased. \n\nI have disputed everything sent them all the information they asked for. I sent them previous reports showing that they in fact did have those accounts as all paid and perfect payment history. I provided them with their own credit reports proving the fact that they deny ever having the account on my report. They say they see no history of anything. I have had to apply for multiple car loans and am still being denied because of their mistake, I have no history. Before this happend XXXX score was XXXX And fico was XXXX it now has a XXXX and states im deceased but they are showing 8 hard inquiries for the car loans. I worked very hard to get my credit where it was and due to XXXX and the breach they had destroyed everything I had worked for. \n\nI have been trying to get a car loan With no enquiries on my skin reports before I had started applying I have been refused I every bank or credit Union I have good income my credit scores are all above XXXX and I feel that it is due to the lack of my credit history I had my identity stolen in XXXX and I have had to make many adjustments on my report XXXX  had deleted my entire credit history removing an 8 year Old credit card that had a perfect payment status and a do not report my other 2 credit cards that I have a perfect payment history with and it also shows that I'm deceased I have sent them proof that they reported those credit cards because I save my credit reports and they refuse to fix or add the account 's onto the Credit report again so I only have a year and a 1/2 of good paint history with trans Union and experience but due to XXXX removing the one account the other credit bureaus did as well Having perfect credit scores having Income perfect payment history I still can not get a car loan. So every credit bureau has about 8 hard inquiries for new credit loan enquiries and I just In Disbelief that XXXX would do something so irresponsible and cause me to not be able to purchase a decent vehicle Because they screwed up and deleted the wrong information it was originally supposed to be a removeable of a hard inquiry from XXXX which I did not do I had a XXXX credit card for 7 years and they ended up removing the entire XXXX account then it just got worse from there now that report nothing and everything else I had mentioned above I am on the verge of calling XXXX XXXX and suing XXXX due to the distress it is causing me not to be able to purchase something that I know I should have no problem getting do you have any thoughts I have already attempted to supply them with all their information they had used to report just 4 months ago and all the way back to when I 1st opened up the credit card in they were reporting it but they state that they can not find it in their system and I'm even sending them their own credit reports with the information .And I want to add in that I was affected by the data breach","date_sent_to_company":"2018-10-12T14:58:42.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"344XX","tags":null,"has_narrative":true,"complaint_id":"3044187","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-10-12T14:58:38.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They need to <em>add</em> the 3 <em>missing</em> <em>accounts</em> XXXX/XXXX 7 years of perfect <em>payments</em> paid in full and in good standing & XXXX XXXX 9 <em>months</em> of perfect <em>payment</em> history XXXX limit XXXX balance & XXXX XXXX 1 year and 10 <em>months</em> of good <em>payment</em> status with a XXXX limit XXXX balance Put my score back to the way it was before they deleted everything in my report or recalculate it now that I have more good <em>payment</em> history with 2 other <em>accounts</em>."]},"sort":[15.692012,"3044187"]},{"_index":"complaint-public-v1","_id":"3044178","_score":15.692012,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To correct and fix my account to the way it was before they had deleted 8 years of history. \n\nThey need to add the 3 missing accounts XXXX/XXXX 7 years of perfect payments paid in full and in good standing & XXXX XXXX 9 months of perfect payment history XXXX limit XXXX balance & Regions credit 1 year and 10 months of good payment status with a XXXX limit XXXX balance Put my score back to the way it was before they deleted everything in my report or recalculate it now that I have more good payment history with 2 other accounts. \n\nDelete all the hard inquiries in which I was denied credit due to their lack of reporting my 3 accounts correctly due to this I was denied credit with every bank because of LACK OF CREDIT HISTORY. \n\nXXXX XXXX and XX/XX/XXXX I had disputed a hard Inquiry with Equifax, Because I did not authorize one, I already had a XXXX account opened since XXXX. I made my last payment on that account in XXXX a d they kept that account on my file as paid I full and it showed that I had some sort of credit history, Legally the last date that you pay off a account.It will remain on yojr file as a paid good status account, Which Equifax had done. Well ... They received the dispute for my fraudulent inquiry and had deleted everything on my Equifax report which also led to experion and transunion removing the account as well. I never closed the account so it should of remained on my report so I had some history. I also have 2 credit cards which they are not reporting either, It shows that I am deceased. \n\nI have disputed everything sent them all the information they asked for. I sent them previous reports showing that they in fact did have those accounts as all paid and perfect payment history. I provided them with their own credit reports proving the fact that they deny ever having the account on my report. They say they see no history of anything. I have had to apply for multiple car loans and am still being denied because of their mistake, I have no history. Before this happend Equifax score was XXXX And fico was XXXX it now has a XXXX and states im deceased but they are showing 8 hard inquiries for the car loans. I worked very hard to get my credit where it was and due to Equifax and the breach they had destroyed everything I had worked for. \n\nI have been trying to get a car loan With no enquiries on my skin reports before I had started applying I have been refused I every bank or credit Union I have good income my credit scores are all above XXXX and I feel that it is due to the lack of my credit history I had my identity stolen in XXXX and I have had to make many adjustments on my report Equifax had deleted my entire credit history removing an 8 year Old credit card that had a perfect payment status and a do not report my other 2 credit cards that I have a perfect payment history with and it also shows that I'm deceased I have sent them proof that they reported those credit cards because I save my credit reports and they refuse to fix or add the account 's onto the Credit report again so I only have a year and a 1/2 of good paint history with XXXX XXXX and experience but due to Equifax removing the one account the other credit bureaus did as well Having perfect credit scores having Income perfect payment history I still can not get a car loan. So every credit bureau has about 8 hard inquiries for new credit loan enquiries and I just In Disbelief that Equifax would do something so irresponsible and cause me to not be able to purchase a decent vehicle Because they screwed up and deleted the wrong information it was originally supposed to be a removeable of a hard inquiry from XXXX which I did not do I had a XXXX credit card for 7 years and they ended up removing the entire XXXX account then it just got worse from there now that report nothing and everything else I had mentioned above I am on the verge of calling XXXX XXXX and suing Equifax due to the distress it is causing me not to be able to purchase something that I know I should have no problem getting do you have any thoughts I have already attempted to supply them with all their information they had used to report just 4 months ago and all the way back to when I 1st opened up the credit card in they were reporting it but they state that they can not find it in their system and I'm even sending them their own credit reports with the information .And I want to add in that I was affected by the data breach","date_sent_to_company":"2018-10-12T14:58:35.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"344XX","tags":null,"has_narrative":true,"complaint_id":"3044178","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-10-12T14:43:46.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They need to <em>add</em> the 3 <em>missing</em> <em>accounts</em> XXXX/XXXX 7 years of perfect <em>payments</em> paid in full and in good standing & XXXX XXXX 9 <em>months</em> of perfect <em>payment</em> history XXXX limit XXXX balance & Regions credit 1 year and 10 <em>months</em> of good <em>payment</em> status with a XXXX limit XXXX balance Put my score back to the way it was before they deleted everything in my report or recalculate it now that I have more good <em>payment</em> history with 2 other <em>accounts</em>."]},"sort":[15.692012,"3044178"]},{"_index":"complaint-public-v1","_id":"5212073","_score":15.372617,"_source":{"product":"Mortgage","complaint_what_happened":"Freedom Mortgage Company Hurricane IDA Forbearance Program misleading explanation on the Program by Freedom Representative : Here we go! I was contacted the week after Hurrican IDA asking if I was affected by the storm. I explained that we had numerous trees down and several on the house. The Rep. told me that she was new and proceeded to inaccurately explain the Forbearance Program to me. She said that it was a 90-day program and they would halt my mortgage payments for that time period and at the end of the 90-days, they could extend, if needed or end the program. She said that the missed payments would then be added to the end of my mortgage. For Example, if I had 15 years remaining, I would then have 15 years plus the three missed payments. It made sense to me and I was not sure what the status of my company was going to be after the storm, so I said that it sounded good to me. I took advantage of the program and missed the one months payment and then continued to make my mortgage payments by the XXXX  of the month, as I have for the duration of my mortgage obligation with Freedom Mortgage. I began receiving weekly calls 30 days later asking how everything was going and if I was planning on making my mortgage payment. I told them that I only took advantage of the forbearance program for the 1 month and that all was back to normal and I would be making my payment by the XXXX as usual. During these weekly calls, nobody every said anything about me being behind a payment and that I needed to make the missed payment, as well as my current payement, they simply acted as though it was a courtesy call. To my surprise, I received a Credit report on XXXX and when I opened it I found a delinquent mortgage submittal by Freedom Mortgage for the one missed payment. I immediately called them and spoke with someone expressing my concerns. I pride myself on never missing a payment, nor being late, with a credit rating of high 700+ and with this delinquent credit submittal, it dropped me down by XXXX points to high 600+. I have worked hard in my life to build great credit and this fraudulant submittal is unacceptable and has ruined my credit. I was told at that time that I was misinformed of the forbearance program and needed to pay the delinquent payment or they could send me a packet to complete and return to make arrangements. The lady informed me of being able to keep the missed payment into a seperate lean account and that if I would ever sell the home, this lean could be paid off at that time. I waited for the packet for about 3 weeks and upon receipt of the packet and attempting to complete the packet, if there were 30 pages in the packet, 90 % of them did not apply to me. They were asking for things like how much we spend weekly on groceries, fuel, etc. I completed what I could and forwarded to the address that I was given. I received my usual weekly call and explained to the rude lady that I had completed the packet to the best of my ability and had sent it in. Frustrated at this time, I asked the Rep to speak with a manager. She gave me XXXX ID # XXXX who I spent XXXX hours on the phone with. She explained to me during our call that their was no way to call her back and therefore she had to keep me on hold while she researched the situation. Her recommendation was to try and re-initiate the forbearance program, due to the bad credit rating and she also said to not worry about the late fees. That was several weeks ago and again, I received a call the week of XXXX from XXXX ID # XXXX and again, I have to explain the situation to him. They are obviously making courtasy calls and do not read any of the notes. He was able to message here on their internal message system and he told me that she was in training and would get back to me in the next couple of days. Again on XXXX, I get the weekly call and again I have to explain the situation to the Rep. He was able to pull up the notes and verify my story. He told me that XXXX was waiting on approval for re-initiating the forbearance and I would probably hear from her, once this was approved. I the mean time, I continue to receive weekly calls and I still have a negative report and late fees on my account. First off, I was totally misinformed of the forbearance program. ( They tell you that they are recording the conversation for quality assurance/I am sure that they can review the call and see that I was in fact misinformed of the program ) Secondly, nobody every explained anything when they called me on a weekly basis and were simply going through the motions and each person acted as though it was a courtesy call ( They definitely need major training internally ) Thirdly, they submitted fraudulent delinquent credit rating without informing me first. Latly, on top of everything else, they have the nerve to tack on late fees for their mistake. In all of my dealings with mortage companies, I have never dealt with as unprofessional a company as Freedom Mortgage. I will continue to do everything in my power, including legal action against them to get this resolved, as soon as possible. Feel free to review my credit rating, if this capability is available to verify the validity of my credit rating. Thank you in advance for any assistance that you may be able to provide.","date_sent_to_company":"2022-02-24T18:04:42.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"VA mortgage","zip_code":"70471","tags":"Servicemember","has_narrative":true,"complaint_id":"5212073","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2022-02-11T16:37:38.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I took advantage of the program and missed the one <em>months</em> <em>payment</em> and then continued to <em>make</em> my mortgage <em>payments</em> by the XXXX  of the <em>month</em>, as I have for the duration of my mortgage obligation with Freedom Mortgage. I began receiving weekly calls 30 days later asking how everything was going and if I was planning on making my mortgage <em>payment</em>."]},"sort":[15.372617,"5212073"]},{"_index":"complaint-public-v1","_id":"17288052","_score":14.6180725,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this statement to explain in full detail what happened regarding the account currently being reported by Vance & Huffman LLC, referenced as account number XXXX, which appears on my XXXX and XXXX credit reports as a collection/charge-off with a balance of {$1400.00}. This explanation outlines the discrepancies, inaccuracies, missing documentation, unexplained dates, and procedural issues that make this account unverifiable and in need of full reinvestigation. It also describes why I believe the reporting is incomplete, unfairly damaging, and not compliant with the requirements of the Fair Credit Reporting Act ( FCRA ). \n\nTo begin, the information being reported across the credit bureaus is inconsistent and incomplete. According to the screenshot, Vance & Huffman LLC is only reporting to XXXX and XXXX, while Equifax shows nothing at all. The fact that a collection agency reports an account to XXXX or XXXX bureaus but not all three is often an indicator of incomplete data or internal inconsistencies in their records. Inconsistent reporting is XXXX of the signs that the information furnished may not be complete, verified, or accurate. \n\nThe information reported shows the account is marked as a collection/charge-off, with a current balance and high balance both listed as {$1400.00}. The account was opened on XX/XX/year>, according to XXXX, and is listed with a start date of XX/XX/year> on XXXX. This is already a significant discrepancy. An account can not have XXXX different opening/start dates across different bureaus and still meet the maximum possible accuracy requirement of FCRA XXXX ( b ). \n\nWhen XXXX bureau reports an opened date of XX/XX/XXXX and another reports a start date of XX/XX/XXXX, it raises concerns about whether the collector actually has accurate records. This inconsistency alone is enough to trigger a reinvestigation. \n\nAdditionally, both the Original Creditor and Creditor Type fields list the creditor as Unknown, which is a major red flag. A consumer can not be expected to validate or understand an account when the collection agency can not clearly identify the original creditor. If the original creditor is truly unknown, then Vance & Huffman should never have reported this information because credit-reporting requirements mandate that accounts must identify the original creditor and accurately reflect the full account history. \n\nUnder the FDCPA and FCRA, a collector must haveand be willing to providedocumentation showing what the debt is, where it came from, and how it was calculated. Reporting a debt from an unknown original creditor fails the basic validation requirement. \n\nFurthermore, the payment history for this account is not provided at all. Collections accounts often have minimal payment data, but even then, the reporting should include : Date of original delinquency Date of charge-off Date of last payment Itemized ledger Account history prior to collection However, the account shows no monthly payment history, no delinquency timeline, and no explanation of how the alleged debt progressed from an original creditor ( unknown ) to Vance & Huffman LLC XXXX Without this information, it is impossible for me to validate or confirm the legitimacy of this account. \n\nThe consumer dispute fields also state Account not disputed. This is not correct, as I am formally disputing the account now. Under FCRA 623 ( a ) ( 3 ), any time a consumer disputes an account with a credit bureau, the furnisher must report that the account is disputed. Failure to do so renders the reporting inaccurate. Failure to update the dispute status is not merely a clerical oversight ; it is a violation of the law and indicates the furnisher is not following proper procedures. \n\nNext, the status reported is Negative on XXXX and Closed / Collection/Charge-Off on XXXX. The closure date on TransUnion is listed as XXXX same date as the supposed date opened. This is nonsensical and raises the question of whether the account was ever legitimately opened or whether the collection agency simply inserted dates without having any verified data. \n\nThere is also a Last Activity date of XX/XX/year> on XXXX. Yet I have no record, knowledge, email, phone call, mailed notice, billing statement, or communication of any sort from Vance & Huffman LLC on that date or around that time. A date of last activity should be tied to a consumer action ( such as payment, communication, or account modification ). If the collection agency generated this date internally rather than based on any actual consumer action, then the recording of that date is misleading and inaccurate. \n\nAnother discrepancy exists in the status updates. The TransUnion entry shows : Start Date : XX/XX/year> Last Reported : XX/XX/year> The account can not be last reported before the start date. This inconsistency demonstrates that the account record being furnished is flawed and likely incomplete. \n\nAdditionally, the Date of Last Payment is blank. If the account has never had a payment, then the collection agency must provide the original delinquency date from the original creditor. Instead, that data is missing entirely. The Original Creditor is listed as Unknown, and the Account Type Detail is blank. This is incomplete and prevents the consumer from being able to validate the account. \n\nThe comments field in the consumer reporting system states Added in XXXX XX/XX/year>. This suggests the account was simply inserted into the credit reporting system without proper verification or validation. Many collection agencies use automated software that uploads accounts in bulk, sometimes without checking for accuracy. If that is the case here, the collection agency may have inserted data that is unverified.\n\nThere is also no evidence that Vance & Huffman provided any legally required validation notice. Under FDCPA 809 ( a ), collectors must send a written notice within five days of first contact. I did not receive : A validation letter A notification of right to dispute A billing statement An explanation of charges An itemization of the debt Any written communication at all Because I did not receive this notice, I was never informed of my 30-day right to dispute the debt before it was reported to the credit bureaus. Without providing the required validation, the collection agency can not legally continue collection efforts, which include credit reporting. \n\nAnother issue is the absence of an itemized breakdown showing how the balance reached {$1400.00}. Since the collection agency has not identified the original creditor, I can not verify whether that amount is correct, inflated, or the result of fees or interest added by the collection agency. Under Regulation F ( CFPB ), collectors must include : Itemization date Itemized amount at that date Added interest Added fees Payments received Adjustments None of these required items are present in the credit report.\n\nThe account is also marked with the Account Rating : Derog, which severely damages my credit score. Derogatory accounts, especially collections, carry heavy negative scoring weight. The impact of this entry is significant, and because of the inconsistencies, missing information, and lack of validation, the reporting is unfair and harmful. \n\nAdditionally, I have never received any notice from the original creditor indicating that the debt was sold or assigned to Vance & Huffman LLC. Under standard credit and lending practices, if a debt is placed with a collection agency, the original creditor sends a notice indicating the transfer. I did not receive any such notice. \n\nThe bureau data also states that the creditor type is Other Collection Agencies, and the accounts Original Creditor is Unknown. A collection agency can not legally report a debt without identifying the original creditor. This is a foundational requirement of the FCRA, as consumers must be able to determine where a debt originated.\n\nThe absence of documentationcombined with conflicting dates, missing information, unknown original creditor, and the lack of validationmakes the account unverifiable.\n\nIn reviewing the timeline, the credit report lists : Date Opened : XX/XX/year> Start Date : XX/XX/year> Account Status : Closed Last Activity : XX/XX/year> Last Reported : XX/XX/year> Date of Last Payment : High Balance : {$1400.00} Balance : {$1400.00} This timeline reveals internal contradictions. For example, the account can not be closed and then start XXXX months later. It can not have a last reported date before its start date. It can not have a last activity date that corresponds to no interaction or transaction that I made. \n\nEqually problematic is that the Account Type Detail is blank, meaning the bureau does not have enough information to categorize the debt. When key fields such as this are missing, it shows that the collection agency did not provide the required data fields. \n\nA proper entry must include : Original creditor Account type Payment history Itemization Dates Balance breakdown Terms Because none of this information is present, the account can not be considered complete or accurate. \n\nI also did not receive any pre-reporting notice. Under some state laws and best practices, collectors must notify consumers prior to reporting a debt to the credit bureaus. Without that notice, I had no chance to address or dispute the account before negative reporting occurred. \n\nFurthermore, Vance & Huffman LLC has reported the account as Individual Responsibility. I do not recognize or recall entering into any agreement with this company or any lender that would have transferred the debt to them. If Vance & Huffman purchased or acquired the debt, they must provide proof of assignment or transfer, which I have never been shown. \n\nAdditionally, if this were a legitimate debt, the collection agency would have legal access to : Account origination documents Billing statements A complete transaction history Charge-off details Evidence of attempts to contact the consumer Transfer and assignment records Because the collection agency did not provide any of this, I have no way to confirm whether the account is valid or whether the amount is accurate. \n\nFor these reasons, I am disputing the legitimacy, accuracy, completeness, and verifiability of the account. The inconsistencies, lack of documentation, missing notices, conflicting dates, incomplete information, vague creditor identification, and absence of validation all raise reasonable doubts about the integrity of the account. \n\nThis is the full and complete explanation of what happened regarding the VANCE & HUFFMAN LLC account.","date_sent_to_company":"2025-11-17T23:34:46.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"75126","tags":null,"has_narrative":true,"complaint_id":"17288052","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"V and H Portfolio","date_received":"2025-11-17T23:28:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Furthermore, the <em>payment</em> history for this <em>account</em> is not provided at all."]},"sort":[14.6180725,"17288052"]},{"_index":"complaint-public-v1","_id":"3064000","_score":14.55799,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/2018 I made the mortgage payment on my primary home in XXXX, XXXX. The following week, I made the mortgage payment on my rental property in XXXX, XXXX  on XX/XX/XXXX at about XXXX since I work nights. I made these payments online and on time. The payment on the rental in CA included a {$50.00} extra payment on the principle. I had extra money in my checking account so I decided to make an extra principle payment on my primary home in XXXX  of {$150.00}. I entered the {$150.00} to principle and hit send. To my surprise, Nationstars computer software automatically adds the minimum payment of {$1400.00} to my {$150.00} extra payment which would overdraw my account and it would essentially give me 2 house payments in the same month- something I have never done in my 25 year history of house payments. I immediately called Nationstar to explain the problem so that they could correct it but they were closed. I then called my bank and told them to cancel that payment after explaining to them what had just happened. They agreed. When I got home that morning it was XXXX, my usual time because I work from XXXX to XXXX. After taking a shower, I gave Nationstar a call since I knew that they would now be open to take calls. I waited on hold for close to an hour but was finally able to talk to Nationstars professional representative and explain the situation. They asked me a few questions and they appeared to have full clarity of the situation and said they would cancel one of the two payments made to my primary home. Additionally, the rep. said they would not only send me an email confirmation but a hard copy of the transaction by mail. Instead, I got a letter late XXXX that said I was late and there was a {$75.00} late fee. I called my bank and they confirmed that my two house payments were made on time so I didn't bother calling Nationstar and waiting on hold. When I received my XXXX statement, I was clear on what Nationstar had done. They did cancel one of my payments but it was the wrong one. A simple mistake on their part that could be corrected very quickly. Nationstar has a history of telling customers one thing on the phone and doing just the opposite so I wrote them a letter to create a proof positive paper trail, once again explaining the over payment in XXXX and also the fact that instead of cancelling one of the two payments on my primary home, they cancelled the 1 on time payment on my rental property which made it look like I didn't make a payment at all. When Nationstars high powered attorney responded to my letter, of course they didn't know what I was talking about. They told me to provide the date because they can't find and don't know what I'm talking about. As my attachments will show, they knew exactly what the problem was- the dates were provided. \n\nNow, it's XXXX and I still have the 2 payments showing for XXXX on my primary home in XXXX  and every month even though I continue to send an additional {$50.00} to the principal when I pay the rental in XXXX  on time, they show me 30 days late and they keep putting my extra {$50.00} payment in a \" suspense '' account and they're creating an accounting nightmare because I'm not getting the proper credit for my payments. Their statements keep showing that I owe them over {$3100.00}, when my monthly payment is {$1500.00}, because I'm missing the credit for the XXXX cancelled payment which I NEVER AUTHORIZED THEM TO DO. Nationstar and their professional reps. are not incompetent. They know exactly what they are doing and it is intentional. Their high powered attorneys explain all their wrong doing away and everyone is afraid to go after them.","date_sent_to_company":"2018-11-02T10:26:05.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"756XX","tags":null,"has_narrative":true,"complaint_id":"3064000","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2018-11-02T07:53:35.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["To my surprise, Nationstars computer software automatically <em>adds</em> the minimum <em>payment</em> of {$1400.00} to my {$150.00} extra <em>payment</em> which would overdraw my <em>account</em> and it would essentially give me 2 house <em>payments</em> in the same <em>month</em>- something I have never done in my 25 year history of house <em>payments</em>. I immediately called Nationstar to explain the problem so that they could correct it but they were closed."],"issue":["Trouble during <em>payment</em> process"]},"sort":[14.55799,"3064000"]},{"_index":"complaint-public-v1","_id":"5544817","_score":14.306704,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On Friday XX/XX/XXXX, I woke up from a nap. I checked my account balance on the Chime XXXX and immediately I noticed there was a large amount of money missing from my Chime XXXX XXXX account. I viewed my transactions and there were two unusual transactions listed. One was a withdrawal for {$400.00} and the second transaction was a withdrawal for {$80.00}. The XXXX listed those withdrawals took place at XXXX earlier that evening. I then moved the rest of my money to my savings account knowing something was wrong. I checked my wallet and saw I still had all of my cards in my possession. I then called Chime at XXXX on XXXX. XXXX to report the fraudulent activity on my account. ( Please view the attached proof on timing of call ) After being transferred to the dispute team, I spoke with an associate on the dispute team. I explained to the dispute team member, that the two most recent transactions posted on my account were not done by me and the given amount is now missing. The dispute team member told me he would assist by closing out the credit builder card and sending me another one. I told the dispute team member my card is not stolen, as I had it in my hand during the call. The dispute team member stated this was their protocol and insisted on sending out another XXXX XXXX  card. \nThe individual asked if I needed anything else, as it seemed he was about to end the call. I then asked the dispute team member what about my missing funds and reimbursement on this issue? I explained to the team member that this is my rent money that is missing and its a very serious issue. ( Being that its the XXXX of XXXX and rent is due on the XXXX of XXXX ) The dispute team member stated he would open an investigation on this matter that would take approximately 5 business days to handle. As frustrating as it was hearing that, being that rent is due on the first, all I could do at this point is wait until they contacted me after the investigation. \nAfter the call, I checked the listed transactions on the Chime XXXX and the charges were still shown as pending. I kept an eye on that expecting to see it be canceled at some point. \nOn XX/XX/XXXX, I saw the transactions were still cleared with an attached address of the location where this action supposedly took place. I looked up the address and can assure I have never been to the address that was posted ( Please see attached proof ). I have also never withdrawn any large amounts from my credit builder account as I have been using it to Build my credit. I made this aware to the dispute team member as well on the call for the report. I received an Email from the Chime disputes team which stated the unauthorized transactions were reported on XX/XX/XXXX which is incorrect due to the call actually being made on XX/XX/XXXX ( Please see attached proof of day and time of call ) Chime stated they completed their investigation and determined there were no billing errors to my account. They stated the {$480.00} will be included in the payment amount due on my next statement. \nI went back on the Chime XXXX and it shows my disputes were denied and closed. I then called Chime in extreme stress and confusion as to why they would clear the transaction and deny my claim. This is my hard earned rent money that was stolen from me and Chime did absolutely nothing but help commit fraud at this point. I even went as far as asking them to review my further past transactions as well as locations to show that this was an unusual occurrence. I told Chime I was sure they could see on the XXXX  where I loaded my card just days prior to this issue and explained how its for my rent. Why would I load over {$1000.00} on the XXXX to take the cash right back out on the XXXX? It makes no sense. I still have not been able to pay this months rent because of this matter and Im really shocked at the level of disservice and unprofessional behavior from Chime. \nIm not sure how someone was able to withdraw money from my account without my card especially when a pin is also required to do so. Chime also proceeded to send a replacement card by express and it got here the same day as the email. \nI would like to add I will never activate another Chime card nor bank with Chime again after their negligence on this very preventable issue. I need the money I worked for. There is no reason a customer of a bank should get robbed or scammed and not be assisted by the company of the bank.","date_sent_to_company":"2022-05-05T15:22:48.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90710","tags":null,"has_narrative":true,"complaint_id":"5544817","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2022-05-05T15:15:17.000Z","state":"CA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["It <em>makes</em> no sense. I still have not been <em>able</em> to pay this <em>months</em> rent because of this matter and Im really shocked at the level of disservice and unprofessional behavior from Chime. \nIm not sure how someone was <em>able</em> to withdraw money from my <em>account</em> without my card especially when a pin is also required to do so. Chime also proceeded to send a replacement card by express and it got here the same day as the email."]},"sort":[14.306704,"5544817"]},{"_index":"complaint-public-v1","_id":"2982997","_score":13.813454,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am providing an update to this case and XXXX  case number XXXX. I am also adding to my rejected statement stating why I am rejecting the response received from XXXX XXXX Office of the President representative. \n\nMy husband and I went back to the XXXX Branch to follow up on case results of surveillance camera. We also went over the payment history received from Wells Fargo Dealer Services in the mail. We went over this information with Mr. XXXX XXXX XXXX Customer Care Representative at the XXXX branch who worked with us on this matter back on Thursday XX/XX/XXXX. Since XXXX and Wells Fargo Dealer Services personnel and the Office of the President personnel continues to proclaim not receiving certified mailed copies of payments and scanned in emailed copies of payments made to Wells Fargo Dealer Service account payable we brought that same certified mailed in documents and copies of payments made Wells Fargo Dealer Services on my truck note to the XXXX branch to have the branch manager review and fax to Wells Fargo Dealer Services. \n\nMy husband XXXX and I brought in all copies of our payments made and letters mailed to Wells Fargo Dealer Services. The copies of the payments paid since XX/XX/XXXX to present XX/XX/XXXX. XXXX XXXX XXXX XXXX assisted us by contacting Wells Fargo dealer Service to discuss the incorrect payment history received in the mail from XXXX XXXX ( Office of the President Representative ). We spoke with XXXX XXXX ID XXXX in collections on XX/XX/XXXX. He stated our auto loan is 105 days past due. Of course we disputed that being that there are missing payments and incorrectly applied partial payments which were full payments that Wells Fargo Dealer Services decided to place some of my auto payments in a holding account ( what ever that is ). \n\nPer Mr. XXXX XXXX ID XXXX He stated we were 105 days past due with a credit in the holding account of XXXX from overages and shortage payments made. Mr.. XXXX went over the payment history with XXXX branch CSR Mr. XXXX XXXX , myself and XXXX . Mr. XXXX sated the following is what he saw per the payment history : XXXX XXXX received {$550.00} - Branch Payment XX/XX/XXXX- received $ XXXX-Branch Payment- in which is we disputed and stated that we made payment of {$620.00}. and that XXXX is missing and believe by us that those funds were stolen. \nXX/XX/XXXX- received $ XXXX- branch payment XX/XX/XXXX- received {$510.00} Telephone payment. Per Mr. XXXX this payment was reversed off on XX/XX/XXXX due to no found account. At that time Mr. XXXX XXXX asked do he not see a money order payment for that month for {$510.00} Mr. XXXX responded no. No payment was received for the month of XX/XX/XXXX. Myself and my husband XXXX disputed this. We provided the copy of the money order, in which was mailed into accounts payable. It was also sent to XXXX and other personnel in the Office of the President at Wells Fargo Dealer Services and sent within the certified mailed documents that was signed for. \n\nSo this was marked as issue missing payment number 2. \n\nXX/XX/XXXX - received {$510.00} money order payment. Per Mr. XXXX employee ID XXXX stated this payment received was applied to the month of XX/XX/XXXX. This is also what XXXX placed in her corresponding letters to me and the XXXX  Case XXXX and to Consumer Financial Protection Bureau Cas # XXXX and OCC Case # XXXX, office of the Comptroller of Currency Case ID # :XXXX. \nXXXX XXXX stated, '' You expressed concern about a missing payment that was not applied to your account in XX/XX/XXXX in the amount of {$510.00}. Based on the information you provided to us we were able to identify the transaction and found that we did receive a payment for {$510.00} that posted on XX/XX/XXXX an was applied towards the XX/XX/XXXXnstallment. '' Please help me understand why would XX/XX/XXXX payment received be applied to XX/XX/XXXX if XX/XX/XXXX payment of XXXX was already received and applied to XX/XX/XXXX? Where did my first applied branch payment for XXXX {$510.00} payment go to? \n\nWe will mark this as issue missing/stolen payment number 3. \n\nXX/XX/XXXX- received {$510.00} -Money Order Payment XX/XX/XXXX - Per Mr. XXXX there was no payment received. My husband and I disputed this as well. we provided the copy of the XX/XX/XXXX Money Order that was mailed to Wells Fargo Dealer Services Accounts Payable to Mr. XXXX XXXX -Branch CSR . He then confirmed with Mr. XXXX from Collections if he sees that XX/XX/XXXX money order and Mr. XXXX stated No. This is the same copy of XXXX money order that was emailed to XXXX and other personnel members in the Office of the President. However, all deny receiving it within the scanned in copies of dispute letter, bank statement and copies of all payment receipts from the bank and all money order payments in question that were emailed multiple times. At this point Mr. XXXX requested for a copy of proof of payment for XXXX 's payment, XXXX 's payment and XXXX 's payment. Mr. XXXX XXXX XXXX faxed all to Dealer Services Support Services regarding account # : XXXX. These documents were faxed from the XXXX branch on XX/XX/XXXX. \n\nLast issue, if my account is supposedly 105 days past due why is there a credit of XXXX in a holding account? why was I not notified of this money being stashed in a separate account I know nothing about? Will I receive the interest off of this money being stashed in this holding account Wells Fargo Dealer Services created? \n\nAlso, per the payment history received in the mail from Wells Fargo Dealer Services l why was is charged for CPI PREMIUM in XX/XX/XXXX when I has full coverage on my truck? You charged me {$750.00} for this premium. Why was I not asked for proof of insurance before this premium was assessed to my account? Why was CPI Premium of {$750.00} not credited back to my auto loan account? \n\nMy husband and I will consider this as issue of missing funds from account number 4 and 5 At this time we are pending for payment research to be completed in 7 to 10 business days.\n\nit is of no surprise to me that XXXX and Wells Fargo Dealer Services is always in a hurry to close cases while in the middle of an extensive investigation. XXXX did not even allow a response from me in which I had up to 5 days to accept or reject the response provided. XXXX closed the case the same day she submitted the response letter. \n\nDo understand Wells Fargo Dealer Services can continue to try and convolute matters by constantly closing cases forcing me to have to reopen a new case. It is my opinion Wells Fargo Dealer Services want to try and make it difficult for me to keep track of all the cases they closed prematurely. Do understand that I am keep track of all cases closed and opened. I will get to the bottom of finding this money that is summing over two thousand dollars and that includes erroneous accessed fees placed on my account due to Wells Fargo fraudulent accounting practices. I did open a new case # :XXXX. this one replaces the one XXXX closed on XX/XX/XXXX. This new case was opened by XXXX- customer Service Rep in the Office Of The President. I spoke with her on XXXX XXXX I have numerous of times asked and requested for these wrongfully applied late fees accessed to be credited back and taken off my account. This account is behind due to your misapplied payments methods, not applying received payments properly and placing received moneys in a holding account without my knowledge was caused by your corrupted accounts payable/ accounting department personnel and your bank branch staff. \n\nAlso, you have destroyed my credit standings by falsely reporting 8 negative remarks about my auto loan that is not 105 days late. I am asking for this to be corrected and cleaned up with all 3 credit bureaus Resolution Request : 1. Wells Fargo Dealer Services to Correct all missing /not applied funds we have sent to you. \n2. Correct my credit for you have reported 8 negative credit reporting in which has effected my credit scoring nd my ability to obtain credit extended to me 3. Remove all late fees off my account and bring back to good standings as it was. \n4. I wish to be released from this loan as paid in full status. This has been the worst most stressful experience I have had in dealing with Wells Fargo branches and Wells Fargo Dealer Services. \nYou constant harassment and rude attitudes received from your collections department and customer service, and threats from you stating repossession of my truck etc 5. Prosecute the person who stole my XXXX for my XX/XX/XXXX payment of XXXX 6. Requesting a written apology for all the issues and wrongful accounting methods implemented on this account. \n7. CPI Premium of {$750.00} to be credited back to my auto loan account PS : XXXX Case XXXX and to Consumer Financial Protection Bureau Cas # XXXX and OCC Case # XXXX, office of the Comptroller of Currency Case ID # :XXXX.","date_sent_to_company":"2018-08-06T14:28:22.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"30078","tags":null,"has_narrative":true,"complaint_id":"2982997","timely":"No","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-08-06T13:53:35.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["It is my opinion Wells Fargo Dealer Services want to try and <em>make</em> it difficult for me to keep track of all the cases they closed prematurely. Do understand that I am keep track of all cases closed and <em>opened</em>. I will get to the bottom of finding this money that is summing over two thousand dollars and that includes erroneous accessed fees placed on my <em>account</em> due to Wells Fargo fraudulent <em>accounting</em> practices. I did <em>open</em> a new case # :XXXX. this one replaces the one XXXX closed on XX/XX/XXXX."]},"sort":[13.813454,"2982997"]},{"_index":"complaint-public-v1","_id":"6916814","_score":13.810899,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have been a customer of American Express since XXXX I believe. Since opening up business accounts with them I have experienced discriminatory and predatory business practices. They have directly decreased my personal credit score by decreasing my spending limit repeatedly without cause. The one time I was late making a payment by a day they took away my O % intro apr and replaced it with 25 % interest rate trying to trap me into never paying them off. I had one personal credit card with them since XXXX. The spending limit was XXXX. I have never missed a payment. In XX/XX/XXXX I opened two business credit cards for two different LLCs. One account was given a spending limit of around XXXX ( XXXX XXXX ) and the other was given around XXXX ( XXXX XXXX for XXXX ). I was informed that part of the XXXX XXXX XXXX was that if I needed additional credit that I could just ask for it and I could spend beyond the credit limit. It was 0 % apr promotional for at least 12 months. The first issue that arose was I made two purchases of {$10000.00} and {$15000.00} via XXXX for XXXX XXXX for Counseling my business credit card for the purchase of an office ( real estate ). I thought this card had the {$25000.00} limit. This was the first and only purchase on either card. I received simultaneous emails for both business credit cards and my personal credit card on XXXX My business accounts were frozen. My personal credit card spending limit was decreased from {$15000.00} to {$6200.00}. Directly decreasing my personal credit. My credit at the time was in the XXXX. The business accounts sent me an email saying that my credit limit was now fixed. I immediately asked for an increase in the spending limit for XXXX XXXX for Counseling as I was informed upon signing up for the card. They denied that immediately as well on XX/XX/XXXX. Upon calling they told me I would have to pay the overage in full by the end of the billing cycle. They refused to assist me. They refused to move the overage to the other business credit card. I asked for an extension to make the payment and they refused. I was able to make the payment without their help. I was still in the 0 % intro apr. I made a payment after XXXX on the day it was due from their website in XXXX and XXXX and it was considered a late payment. As a result they turned my apr into 29.99 % for statement due XX/XX/XXXX. I asked for my APR to be reinstated and for my personal credit limit to be returned to what it was. I was told no. I am a small business owner. My company brings in {$10000.00} a month. I transferred my personal credit balance to a different card. I do not use it short of a monthly bill that goes to it. When they recently decreased my personal credit balance to {$1000.00} from {$6200.00} I only have {$83.00} dollars on the account. I pay it in full. This decrease came after I paid a lump sum to pay off my XXXX XXXX for XXXX card. I am working to no longer use Amex at all and to ensure I pay off the accounts and they are still harassing me and impacting my personal credit. There is no reason why my personal account is affected by my business cards. These are LLCs. I have been paying down my cards this entire time without missing payments. Their recent reason was because I have too many inquiries on my personal credit. My inquiries are in an attempt to transfer my business cards to a lower interest rate. My debt has not increased because I am actively paying off my debt and not adding to anything. For the XXXX XXXX credit card every month when they add their interest fees it pushes it past the spending limit. I will pay {$630.00} in interest alone for XXXX. Now my account is over by {$400.00}. This is very intentional. They do not want me out of debt. \n\nCurrently I have my personal credit card carries a XXXX balance. Last week I paid {$5000.00} ( transferred to my XXXX XXXX business card ) off the Beneficence business credit card. It now has a balance of {$4600.00}. Which I assume is why they are dinging my personal credit card. The balance will be paid on Friday. There is no reason why transfers between my business cards ( especially since XXXX XXXX doesn't report to any credit system ) are impacting my personal accounts/credit. The inquiries are not on my personal credit because they were for business credit cards that did not do a hard pull. Also because I wouldn't have made the inquiries if Amex hadn't revoked my 0 % APR. This will leave me with only the XXXX XXXX business credit card to have to transfer elsewhere which is {$25000.00}.","date_sent_to_company":"2023-05-01T14:07:31.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"30121","tags":null,"has_narrative":true,"complaint_id":"6916814","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-05-01T12:34:27.000Z","state":"GA","company_public_response":null,"sub_issue":"Unexpected increase in interest rate"},"highlight":{"complaint_what_happened":["I asked for an extension to <em>make</em> the <em>payment</em> and they refused. I was <em>able</em> to <em>make</em> the <em>payment</em> without their help. I was still in the 0 % intro apr. I made a <em>payment</em> after XXXX on the day it was due from their website in XXXX and XXXX and it was considered a late <em>payment</em>. As a result they turned my apr into 29.99 % for statement due XX/XX/XXXX. I asked for my APR to be reinstated and for my personal credit limit to be returned to what it was. I was told no. I am a small business owner."]},"sort":[13.810899,"6916814"]},{"_index":"complaint-public-v1","_id":"2768646","_score":13.717927,"_source":{"product":"Checking or savings account","complaint_what_happened":"Tcf bank has been giving same problem. I opted out of overdraft but they will charge a fee then claim to waive it only for me to find it on my statement. \nThe account was set up for my XXXX XXXX son benefits. \n\nI have been suspicious as when i opened the account the rep took a duplicate colored picture of my social security card and drivers ' license. \nI noticed and caught on to something finally when there was a lump amount of back pya released from us treasury onto my sons ' account. \nSo i finally see that the regular payment that was deposited later seemed to be missing and the amounts did not add up. \nThe printout from branch to branch should match up right? Wrong. \nMy mailed statement does not have the same transaction as what the teller gave me after typing in some sort of word excel document then printing out a statement for me. \nI called customer service and when i questioned fraud was hung up on. the rep said they only saw 1 transaction of 150 dollar transfer yet my statement is showing two and one for 100 that i do n't recognize and the ones i do n't recognize seem to total to the amount of the regular issued check that i wasnt aware of. The rep acknowledged that if my statements are different from what they see there would be an investigation. I have not had any correspondence yet and they are refusing to dispute the transaction that i show them is not adding up to the regular mailed bank statement and nor are the online transactions adding up. The online looks like a powerpoint or excel document where it can be easily edited amount and merchant?! \nThe transfers normally would show the customer what account money is being transferred to so when i call i question but on their end they claiming its going to my checking on my statements it lists the account if and when i make a transfer to what account its going to. The transactions in question are not listing the accounts being transferred to yet they say they see it on their end but my bank statements show the transaction with the account that im familiar with. The ones that do n't have the account number are the transactions i do n't recognize. \nMy son has XXXX and i opened this account thinking i could trust tcf but something obviously fishy is going on here. They also today claimed there was a call in transfer from savings to checking when i said it wasnt me they changed the story and said it was an online reoccuring transfer that i did not do because i was always locked out of online until today i have not had access to my online account. The representatives kept making different excuses everytime i presented evidence that the transactions do n't match. i have statements from 2 different branches assuming they have the same information yet they do not match up. How long has this been happening?! They get upset as well and threaten to close the account when i said i suspect some kind of fraud! I do n't know how they are able to generate false statements but i feel they have been deceiving me and taking advantage of my situation assuming i wouldnt pay attention but i do n't understand. Please help as it is clear that somehow money is being stolen from my XXXX XXXX childs ' account and or possible mixup. \nAlso the account keeps being changed so they charged maintenance fees yet when i signed up it said no maintenance fees. He the representative waived them for this month that they charged but i do n't know how long they have been charging these random fees. The account was supposed to be free checking and free savings power savings with no fees. \ni can be reached XXXXXXXXXXXX attached you will see they told me today there was a transfer of 300. dollars but they statement is showing that transaction happened yesterday which was not me. They changed the story everytime i let them know i was looking at my transactions.","date_sent_to_company":"2017-12-31T05:56:00.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2768646","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TCF NATIONAL BANK","date_received":"2017-12-31T00:29:08.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["The <em>account</em> was set up for my XXXX XXXX son benefits. \n\nI have been suspicious as when i <em>opened</em> the <em>account</em> the rep took a duplicate colored picture of my social security card and drivers ' license. \nI noticed and caught on to something finally when there was a lump amount of back pya released from us treasury onto my sons ' <em>account</em>. \nSo i finally see that the regular <em>payment</em> that was deposited later seemed to be <em>missing</em> and the amounts did not <em>add</em> up."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"]},"sort":[13.717927,"2768646"]},{"_index":"complaint-public-v1","_id":"2234295","_score":13.683977,"_source":{"product":"Credit card","complaint_what_happened":"A payment to my American Eagle credit card, backed by Synchrony Bank, was made in error apparently, leaving a {$3.00} balance for whatever reason, and I was never notified my account was now in default, considered 'delinquent '. The payment was taken for {$25.00}, not the {$28.00} that was the balance on the card. I never once received a call, postal notification, nor an email correspondence telling me my account was nearing a 30-day collection status. I have never made a late payment - I have had ZERO 'missed payments ' reflected on my credit history for anything, and this {$3.00} and change discrepancy was reported to the major credit bureaus, causing my credit to plummet, without any notification to me, the customer. Had anyone contacted me, I would have immediately made any payment that was required, which I did immediately after finding out this {$3.00} discrepancy caused a mountain of issues, affecting my ability to secure a home mortgage for my toddler and myself. I would never had knowingly left a {$3.00} balance on ANY credit card. Coupled with the fact I was never notified about my account status is bordering on/is already fraudulent. As soon as I saw a drastic change to my credit score, all while in the middle of obtaining a mortgage, I investigated and saw American Eagle coming up as in collection status. I was alarmed, thinking someone stole my credit card information. I logged into my online mobile Synchrony Bank/AE CC account only to see a fee of {$5.00} now added to my account with a due date of XXXX XXXX. No notification of a 'past-due/frozen/delinquent ' account status ; only a due date for a balance I never knew I was carrying of an entire {$11.00}, including fees and interest. I immediately opened up a complaint with Synchrony Bank/AE credit services last evening, XXXX/XXXX/16, as soon as I saw this delinquency/missed payment on my credit report. In a recorded conversation last night with a customer service rep for Synchrony said this was an error, whether it be on my end or theirs, that can and will be rectified. I call back this morning only to be told, by a supervisor, I am not able to be provided with a report/investigation number and this will take 30 business days. They asked if I would like a call back once completed. OBVIOUSLY I want a call back but what are they completing? It 's pretty cut and dry - Synchrony Bank, did not take a full payment as I elected ( defaulted to mininimum ), they did not call me nor mail me anything about delinquency, nor did I ever receive any correspondence saying I had an overdue balance remaining on the card. I have never carried a large balance on my AE credit card nor have I ever missed a payment reported to credit bureaus. I did not even log into my online AE mobile account last month, as I was under the impression I had a zero balance as I had elected to pay the {$28.00} and change in XXXX, as my minimum was apparently {$25.00}, which makes no sense to me but that may be how Synchrony calculates minimum payments. Now it 's XXXX and I am just learning of this remaining {$3.00} plus now interest, fees, and a negative report to credit bureaus. I check my credit reports multiple times a month and nothing was coming up negative until XXXX/XXXX/16. I am completing this complaint as I feel I am being taken advantage of after being a longstanding customer of Synchrony Bank, carrying multiple store cards backed by them, never missing a payment, no negative reports to credit bureaus throughout my entire credit history with this bank ( except now ), and should have either rectified the mistake back in XXXX 2016, contacted me in the two plus months since my last payment in XXXX, or during my XXXX recorded calls to Synchrony Bank/AE offered any solution whatsoever. I was hung-up on by a supervisor and a lower-level representative. Horrible customer service with zero regard for customers or fair credit laws.","date_sent_to_company":"2016-12-03T19:56:17.000Z","issue":"Billing disputes","sub_product":null,"zip_code":"02840","tags":null,"has_narrative":true,"complaint_id":"2234295","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2016-12-03T19:56:17.000Z","state":"RI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I logged into my online mobile Synchrony Bank/AE CC <em>account</em> only to see a fee of {$5.00} now <em>added</em> to my <em>account</em> with a due date of XXXX XXXX. No notification of a 'past-due/frozen/delinquent ' <em>account</em> status ; only a due date for a balance I never knew I was carrying of an entire {$11.00}, including fees and interest. I immediately <em>opened</em> up a complaint with Synchrony Bank/AE credit services last evening, XXXX/XXXX/16, as soon as I saw this delinquency/missed <em>payment</em> on my credit report."]},"sort":[13.683977,"2234295"]},{"_index":"complaint-public-v1","_id":"5299123","_score":13.655002,"_source":{"product":"Mortgage","complaint_what_happened":"Parties involved Bank of America employees XXXX ( loss or escalation dept ) XXXX XXXX ( escalation dept ) XXXX XXXX ( mgr escalation dept. ) XXXX ( CSR ) Account one I had the unfortunate privilege of having Bank Of America hold two mortgages on properties that I own. One my primary residence and another a rental property. During Covid I was instructed that I could take advantage of a forbearance option and the company made it quite easy to continue to do that over the 16 month. When prompted to explain how this was going to work at the end of the crisis I was repeatedly told that more than likely it would just extend the life of my loan adding the payments that were missed to the back end. ( I was told after the crisis that a heloc would not have qualified for that option and that I never should have been told that ) this seemed plausible at the time because they had a precedent of doing that prior to Covid by paying taxes of their own accord and applying that sum to be paid by the maturity date of the loan. During my 16 month forbearance a few payments had slipped through my bill pay from my bank and were received and deposited at Bank of America. After contacting them and explaining my clerical error I requested to have these payments reversed and they informed me at that time that would not be an issue and would easily be accomplished. NOT the case. I requested these payments be reversed several times over the entire 16 months. they were eventually reversed BUT not before the forbearance option had been closed XX/XX/XXXX. At this point Ive been contacted to bring the account current and I repeatedly brought the multiple missing reversals to the attention of the people who were harassing me for payments. this went on for several weeks until finally I was able to get in touch with XXXX who was the only employee of Bank Of America who would provide me a phone number. After speaking with him over several weeks ( further exacerbating my delinquent position ) waiting for a straight answer as to where the payments went. I was repeatedly told they did not know where they were that they had processed it and that I shouldve received it. After bouncing back-and-forth between my bank telling me that they hadnt sent it and Bank of America telling me that they had, and me providing all manner of common sense solutions to get no resolution. .miraculously after bringing to their attention that I was about to file criminal charges the money showed up a week and a half later. ( these were electronic payments I still have received no explanation as to why it took so long to process ) I only added that information to the complaint to show history of information lag and Inability to grasp their own processes. and how my patience was exhausted by countless hours trying to surmount their gauntlet of misinformation, poor interoffice communication and XXXX employees. For any customer to succeed in this environment would take a level of tenacity very few people possess or have the spare time for in XXXX. \n\nNow this is where it starts to get really ridiculous. upon finally settling on an actual total and actual months missed. I was constantly given misinformation on what it would take to reinstate the loan back on track to where I was prior to Covid. Weeks went by with me continuing to bring to their attention that I was more than capable of paying all of the missed mortgage payments if they would continue to do what theyve done in the past which is move the taxes or leave them on the back end as well as the late charges. I would be prepared to do that BUT because theyre employees are XXXX poorly trained, understaffed and unable to answer questions intelligently in a timely fashion I was incorrectly and repeatedly informed that was not an option that was available to me. ( which I came to find out in the XXXX hour that it was. ) when I finally spoke to XXXX It was her that brought it to my attention that if I rectify these amounts prior to XX/XX/XXXX that it would reinstate the loan and I could continue to make my regular monthly payment. I felt it was ridiculous that it took me that long to get to an intelligent employee in their organization that can help me get through this troubling time with the only option that I had available to bring the loan current. but because the usual MO of this company is to not know what its talking about i instictivly asked to speak to a supervisor. surely since i was in jeopardy it would be that day NOPE >>>>SEVEN DAYS passed and I was finally contacted by XXXX XXXX who I was told was a manager of the escalation department. At that time not only did XXXX corroborate XXXX ( in escalations ) information after conversing with her and after picking her brain and explaining my situation in more detail another option was presented to me that if I brought the loan current to under 90 days late the option of spreading those three last payments out over the next six months for a total of {$150.00} per month would be available to me. She also provided her email at that time at my request. Since I was on the road when she called I was unable to make the payment at that time. When I finally called in to make the payment. I was connected with XXXX. I informed XXXX of my call with XXXX and what I was trying to accomplish and that I would like to make the account under 90 day late and spread the remainder of the balance broken down over the next six months at the amount of {$150.00} additional per month going forward 180 days. ( keep in mind XXXX knew that I need to satisfy the parameters of the escalation letter and at no point did she informed me that I would not accomplish my goal by proceeding in this manner. I had AND STILL DO the full balance to be applied ) the payment was made I received a confirmation # it was at this point I was informed the payment needed to post before we could set up a repayment plan and that I would just have to answer a few questions but that I should call back monday XXXX XXXX ( 2 days after deadline ) to process but not a problem ( this was all not true ) when I called on monday the amount to spread over the 6 month period had jumped to {$10000.00} and the escalation had proceeded. When I raised my concerns I was forwarded to the escalation department ( XXXX ) who told me that XXXX XXXX had over stepped and had not given me the right info but that it was too late. Now I would HAVE to do a loan modification If I wanted to TRY to keep the house ( but as usual no guarantee that this would not stop the foreclosure process. \n\nACCOUNT two ( Fri the XXXX XXXX XXXX ) After finishing with XXXX I decided to make a separate phone call to another agent to corroborate and see if she would facilitate the same out come with the other account ( because that is what I have been conditioned to do because no two employees will provide the same answer. But due to the fact that the after hours voicemail tells you that business hours are monday thru friday till XXXX XXXX  ( which is not true its XXXX XXXX on friday ) I Called at XXXX and was at the mercy of the auto payment system which would not take a partial payment. ( because at this point I was still operating under XXXX  direction to bring it in under 90 days late. I sent an email to XXXX to inform her of my intentions and update her of my progress and that email is still unanswered and no return phone call has been made as of XXXX XXXX. I am still prepared to satisfy the total of the missed payments if the resolution can be agreed upon since the 6 month repayment plan has never actually been an option that was available to me ( even thought it was couched as a viable solution by 3 employees ) in summary what i have learned is that this company expects clients to be patient while employees cut their teeth on new programs and practices poor communication and resurfacing tech issues all while giving Zero leeway for clients who are left out in the cold due to poor timing and customer service that is too slow to meet their own inflexible deadlines which fall on a weekend. BUT let 's be honest no one would have been able to help me in a timely fashion even if they were open because their company is designed to provide information too slow for the client to act on it and when you do act on it? it was the wrong direction anyway. Which is the best recipe to make it look like you are not actively trying to steal houses. \n\nIF it looks like a duck, and quacks like a duck, it's a home stealing duck.","date_sent_to_company":"2022-03-08T23:06:53.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"15601","tags":null,"has_narrative":true,"complaint_id":"5299123","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-03-08T20:00:57.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["At this point Ive been contacted to bring the <em>account</em> current and I repeatedly brought the multiple <em>missing</em> reversals to the attention of the people who were harassing me for <em>payments</em>. this went on for several weeks until finally I was <em>able</em> to get in touch with XXXX who was the only employee of Bank Of America who would provide me a phone number."],"issue":["Trouble during <em>payment</em> process"]},"sort":[13.655002,"5299123"]},{"_index":"complaint-public-v1","_id":"5834228","_score":13.252574,"_source":{"product":"Checking or savings account","complaint_what_happened":"Shortly after I opened a checking account with Chase Bank, I set a recurring internal transfer from within the Chase mobile app of $ XXXX from my Chase checking account to Chase 's investment brokerage service ( both accounts are viewable from within the Chase mobile banking app ). \n\nNot long after setting up this recurring transfer of $ XXXX from my checking account to this Chase investment account, I realized it was way more than I could afford to be transferring out of my checking account per day to the investment account to still pay my bills and keep my checking account in the green. \n\nHowever, when I tried to turn off the recurring daily transfer from my checking account to the Chase investment account, I realized there does not appear to be a way to do so. I am very experienced in fintech and my career revolves around financial services and technology, so it wasn't simply user error. \n\nI have called Chase 's customer service on the checking side, the credit card side ( more on that below ), and the investment customer service side ; I have spent hours and hours on hold or being bounced between departments within the bank, each time promised once more they'll \" get me right over to someone who can help '' only to be transferred and put on hold again. I have been told multiple times by Chase representatives that they'll look into the issue and fix it, but I have never heard back on the matter. After pleading for a fix to this issue several times, and Chase representatives agreeing that it's a big problem and they don't see a way to turn off the outgoing transfers either yet couldn't do anything about it other than transfer my call to some other department that agrees the same but also can't do anything to help, I gave up on trying to get the glitch resolved. \n\nWith {$50.00} coming out of my checking account a day, and no way to shut off the daily outbound transfers, and also no way to instantly transfer the funds back to my checking account ( both outbound and inbound, the automatic daily transfers take time before hitting the destination account, meaning that I can't access that money while its in-transfer or sitting in an investment account I do not even use, and it can add up fast because it's impossible to keep up with each day to move the money back. \n\nIn XXXX of this year, I became the XXXX XXXX XXXX XXXX XXXX XXXX and also had a random accident that resulted in a XXXX XXXX  with XXXX XXXX that last several months. Not only was my income down from not being able to look at a computer or phone screen per doctor 's orders, and paying for all the expenses of having a XXXX  XXXX, but I also had to keep up with Chase 's auto transfer bot ever day, as it was causing me to incur overdraft fees when I should have had money in my account. \n\nThe overdraft fees I have incurred due to not being able to turn off {$50.00} coming out of my checking account after withdrawing my consent verbally on a recorded line with Chase customer service on multiple occasions yet continue to persist have caused a lot of issues for me and my credit score.\n\nFor one thing, I have paid a huge amount of overdraft fees that seem to have a snowball effect and lead to more overdraft fees. I was not able to make the payments on the Chase credit card connected to my checking account because I was instead paying overdraft fees charged to my checking account because Chase was moving {$50.00} a day to a Chase investment account. \n\nI do not see this as being a fair way to do business, pushing someone into red by transferring their money to a different account, then charging a slew of overdraft fees and not resolve the issue even after I withdrew my consent for the daily transfers to continue. \n\nThank you for researching this matter. It has been the source of an enormous amount of stress in my life and any help in resolving this issue would be extraordinarily appreciated. \n\n-- -- -- Fair Resolution to Issue : - I need the automatic daily transfers from my checking account to Chase investment account to be fixed and turned off ; - I need Chase to refund the overdraft fees I have incurred over the past 2 years due to this automatic daily transfer of {$50.00} from my checking account ; - I need to be able to resolve the balance outstanding with my Chase credit card which became impossible to make the payments with the overdraft fees I was being incurred as my money was being drained from my checking account due to the unauthorized ( de-authorized, at least ) funds transfers ( at a rate of $ XXXX ) over the past 2 years and the result was more overdraft fees. \n\n- I received notice Chase is now going to \" charge off '' the account which I want to pay, but after missing a few payments due to all of the fees, and during a period when my income was low due to recovering from an accident and parenting a newborn baby, Chase sent me an invitation to negotiate a \" re-payment plan '' that would require me to agree to may payments toward a way larger amount than the actual balance of the credit card pre-default ( I assume they added in fees and interest and anything else imaginable ). Again, I believe it was an unfair process because I had complained to the Chase credit card representatives multiple times that I was having trouble making payments due to the overdraft fees that were resulting from this automatic daily transfer situation. \n\n- Negative Credit Reporting Must Stop and Erased Because this is Clear Bank Error With Consumer Harm.","date_sent_to_company":"2022-08-02T23:29:40.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"55418","tags":null,"has_narrative":true,"complaint_id":"5834228","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-08-02T22:49:02.000Z","state":"MN","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I was not <em>able</em> to <em>make</em> the <em>payments</em> on the Chase credit card connected to my checking <em>account</em> because I was instead paying overdraft fees charged to my checking <em>account</em> because Chase was moving {$50.00} a day to a Chase investment <em>account</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[13.252574,"5834228"]},{"_index":"complaint-public-v1","_id":"8413447","_score":12.8494,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX I signed up for a XXXX XXXX XXXX Chase credit card and was approved. There was a welcome offer for the card for {$300.00} in statement credit off your first XXXX purchase of {$300.00} or more, along with XXXX bonus points if you spend {$3000.00} within the first 3 months of opening the card. \n\nI booked a trip at a XXXX from XX/XX/XXXX - XX/XX/XXXX and paid for my trip using my XXXX XXXX XXXX Chase credit card on XX/XX/XXXX in the amount of {$520.00}. \n\nAfter the trip, I was tracking my credit card account to check when the welcome offer statement credit of {$300.00} would apply. I have other accounts through Chase, and from my prior experiences the welcome offers typically apply very shortly after. \n\nOn XX/XX/XXXX at XXXX EST I contacted XXXX XXXX XXXX Chase customer service via phone to find out when I would be receiving the {$300.00} statement credit. The representative I spoke with told me it would be posted within the next few weeks. I stated that through my prior Chase experiences, typically the welcome offers apply quickly - so I wanted to make sure everything was okay especially because soon my bill would be due, and she told me not to worry everything looks good on my account and I will see the statement credit shortly. This call was 5 minutes long. \n\nI continued to monitor my account, and still did not see any statement credit applied. As I was getting closer to my payment due date, I contacted Chase via phone again on XX/XX/XXXX at XXXX EST to follow-up. This time, the representative I spoke with told me that my card was not eligible for the welcome offer I was inquiring about - to which I responded with the details of what I signed up for and also requested that he listen to the recorded transcript from XX/XX/XXXX where the representative confirmed the credit would be posting. He understood my concerns, and said he would submit a ticket to the marketing team requesting them to apply the {$300.00} credit to my account. He said I would hear back from Chase on the ticket via letter within a few business days. This call lasted XXXX minutes. \n\nOn XX/XX/XXXX I received a letter from Chase stating that my account isn't eligible for the bonus offer I requested. \n\nOn XX/XX/XXXX at XXXX EST I contacted Chase via phone to discuss the letter I had received. The first representative I spoke with was not able to help me, so I asked him to transfer me to his supervisor to resolve. I was transferred to his supervisor. When I spoke to the supervisor, I explained all of the details of what I signed up for, how I have not received my {$300.00} statement credit as promised, and referenced the prior conversations. The supervisor reviewed my account in detail, and saw that at the time I signed up for the credit card on XX/XX/XXXX the welcome offer I had stated of {$300.00} statement credit on first XXXX purchase of {$300.00} or more and XXXX bonus points if I spent {$3000.00} in the first 3 months was valid. I confirmed that I saw the XXXX bonus points offer on my account, but was just missing the {$300.00} statement credit. She stated that she believes the issue is this was sponsored by the partner 'XXXX ' and not Chase XXXX and believed this is why the Chase marketing team could not apply the {$300.00} credit. She understood my frustrations and was planning to resolve the issue. She told me me to hold on the call as she was going to add in a representative from XXXX to the line so we could resolve the issue. As I held on the line, I ended up being transferred to XXXX reservations and the Chase supervisor was no longer there. When I spoke to the XXXX reservations contact, they told me they can not do anything and all offers are handled directly through Chase. This call was XXXX minutes long. \n\nAt this point, I waited to see if I would hear anything back from Chase since my call with them dropped when they were adding XXXX to the line. I continued to check my account to see if the supervisor was able to add the credit despite dropping from our call since she confirmed my eligibility. Unfortunately, I did not hear anything back. It seems the supervisor may have opened another case because I received another letter from Chase on XX/XX/XXXX stating again that my account isn't eligible for the bonus offer I requested. \n\nI'm now seeking help outside of Chase to resolve this. My bill was due on XX/XX/XXXX in which I paid the full balance on the card {$610.00} ( {$95.00} was the annual membership fee, and the balance of {$520.00} was the XXXX trip ) as I wanted to avoid any interest charges. I should not have had to pay this balance, and am requesting Chase apply the {$300.00} statement credit that I signed up and am eligible for based on my first XXXX purchase.","date_sent_to_company":"2024-02-25T00:04:04.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"088XX","tags":null,"has_narrative":true,"complaint_id":"8413447","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-02-24T23:03:04.000Z","state":"NJ","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["At this point, I waited to see if I would hear anything back from Chase since my call with them dropped when they were <em>adding</em> XXXX to the line. I continued to check my <em>account</em> to see if the supervisor was <em>able</em> to <em>add</em> the credit despite dropping from our call since she confirmed my eligibility. Unfortunately, I did not hear anything back."]},"sort":[12.8494,"8413447"]},{"_index":"complaint-public-v1","_id":"9234804","_score":12.804626,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened a checking account at Navy Federal Credit Union in XXXX XXXX of this year. On XX/XX/year>, I was paid for some contract labor for a friend. I recieved XXXX company checks, one for materials of {$3500.00} ( which was reimbursment for money I paid out of my own accounts ) and another for {$2500.00} which represents a months labor. Both written on the same bank account with sequential check numbers.They were deposited through a NavyXXXX Federal company ATM . They were deposited with the Debit Card issued to me by Navy Fed. They were the first transactions and only transactions made to date. The following weekend I was able to withdraw {$500.00} in cash from the same machine. From recent research, I found and also have a copy from the issuing bank, provided by the owner of the account, documents showing on XX/XX/XXXX, Navy Federal received the funds in the amount of {$6000.00}. On or about the XXXX of XXXX, I linked Navy Fed with my XXXX XXXX credit card account as well as an Auto loan from XXXX XXXX. I pay all my bills around the XXXX of each month, and on the XXXX I was preparing to draw out the funds to deposit in my regular bank to use for the remainder of my bills and I discovered I had been locked out of my account. I called the number provided online and talked to a clerk, and was told that security had a hold on my account and since it was XXXX XXXX it was already too late in the day. THe lady on the phone did some research and came up with a report filed by Navy Feds in house security and read me the following excerpts from that report.. This member ( Of Navy Fed ) is an ACTIVE AND WILLING PARTICIPANT IN CHECK FRAUD with this institution! '' I was flabbergasted to say the least, asked her to repeat it, she did and when I asked for further information she realized her mistake and said I would have to call security the next day. My funds were frozen and I was locked out. I did call security office the next day and they refused to give me any info on the reason and though aknowledged the report had been written and submitted, they refused me any further info. I asked for a supervisor, explained the situation to him and was told my account would be unfrozen, immediately. When I checked, I was only able to access it and not use it. And the {$2500.00} dollar check minus the {$500.00} I had withdrew was missing and there was nothing that even mentioned it, although the requests for the bills I had submitted showed up. So I called their customer service number again, talked to another lady, explained the entire thing to her and was put on hold for an hour+. When she came back on the line, she could tell me nothing about my account, the missing money and said she could not find any info. She did however insist she cancel my debit card and a new one would be issued. Well I didnt think much about it at the time, but it effectively locked me out of my funds. I called security office again on Friday and was given a runaround, told yes they saw the report although they would not allow me to dispute it with the author. THat phone call took approx XXXX hrs. Today ( Monday ) I received notice from XXXX XXXX that the bill they submitted was returned, overdue, and I was penalized {$75.00} late fee and {$35.00} returned check charge, and tht it would be reflected on my credit report. Similar from XXXX XXXX. This was done even though Security had on friday stated my account was unfrozen. Now the money of mine they have is all I have and no way could I pay my bills. Which I will add equal a total of XXXX to XXXX each month. When asked, of course no one knew anything about it and They would of course take no responsibility for any fees or the impending hit my credit score will be taking. My score hovers right around XXXX a majority of the time. My report is absolutely spotless. Never a late payment in the recorded XXXX years, no remarks from creditors, no civil or court actions, XXXX credit cards, all in good standing.Perfect. Well, wont be now and again Navy fed takes no responsibility. Even though they claim {$3500.00} in my account is not frozen i wasnt able to get to it because of course I didnt recieve my \" New '' debit card in the mail.and I refused access with the old XXXX. When I called again today, same run around, same lies, same XXXX. The man I worked for would replace the checks or give me cash except Navy fed wont give me the checks back and have been paid for them. Can they do this? They have had my money since very early XXXX, have been paid for them, have slandered me in a horrible way, caused the late fees, penalties and have literally destroyed my credit score, refuse any responsibily and will tell me nothing about my missing money or any reasons they didnt pay the bills submitted that they are bound by contract to do. Ive been lied to, belittled, slandered, and told nothing. Sounds incredible, sounds terribally unlikely, I dont believe it myself. I have called at least XXXX times and wasted countless hours. My stress levelis off the charts. I am a XXXX XXXX XXXX XXXX XXXX XXXX, wounded in action, XXXX XXXX, a credit score of always near XXXX with no undesireable entries at all. Are they really not responsible for the trouble they have caused? They have no way of a person contacting anyone with any real authority. Im very angry beyond words angry to the point where common sense tells me not to make a personal visit to the bank. This is a travesty, Im being destroyed financially, have done nothing except trust that bank. I cant afford a lawyer, XXXX at present I cant afford to eat. All my credit cards are fairly high limit and Ive ran up nearly {$4000.00} dollars as well as defaulting on the \" No Fee '' proposal by the card companys, {$5000.00} in no fees is about to be charged XXXX % for non payment ;. It will cost thousands by the time all this is over. whats a credit score worth? Its priceless and is destroyed for no reason. Please help me, I have no recourse aginst these guys","date_sent_to_company":"2024-06-11T07:59:54.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92025","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"9234804","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-06-11T06:23:34.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I <em>opened</em> a checking <em>account</em> at Navy Federal Credit Union in XXXX XXXX of this year. On XX/XX/year>, I was paid for some contract labor for a friend. I recieved XXXX company checks, one for materials of {$3500.00} ( which was reimbursment for money I paid out of my own <em>accounts</em> ) and another for {$2500.00} which represents a <em>months</em> labor. Both written on the same bank <em>account</em> with sequential check numbers.They were deposited through a NavyXXXX Federal company ATM ."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[12.804626,"9234804"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":87,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":87}]}},"product":{"doc_count":87,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":21,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":6},{"key":"FHA mortgage","doc_count":4},{"key":"Other type of mortgage","doc_count":4},{"key":"VA mortgage","doc_count":3},{"key":"Home equity loan or line of credit (HELOC)","doc_count":2},{"key":"Reverse 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