{"took":356,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":37,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3990990","_score":21.83404,"_source":{"product":"Debt collection","complaint_what_happened":"Speedy Cash and XXXX XXXX THEY both used XXXX. Speedy cash, I found out today that I don't have an account with, told me I owe XXXX with them. And if I don't pay they were going to have my account sent to court and there would be an warrant out for my arrest. They also stated : The charges with Speedy Cash Inc., pressed on you are 1 ) Violation of Federal Banking Regulation 2 ) Breach of contract with loan the company 3 ) Theft by Deception And also : Finally, this case is going to be downloaded in your State County Court and your Local County Sheriff department tomorrow at XXXX XXXX  as per your State Standard Time and after then you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is {$2400.00} You can apply for an Offer In Compromise ( OIC ) And May Choose Payment Arrangement Options Mention Below : i ) You can clear this debt by paying {$1500.00} TODAY Deducing Daily Interest as ( OIC ) Offer in Compromise ii ) You can submit the Settlement Balance of {$2400.00} in payments ( {$610.00} x 4 installments starting from TODAY, to hold the WARRANT ) They also said it was going to lessen my credit by almost XXXX points. I think XXXX to be exact. I have resolved these issues by myself. I did send {$300.00} to Speedy cash a few days ago to hold the case and plus I was scared. But when XXXX XXXX  emailed me from there XXXX thtas when he didn't address my name or anything he kept saying me is my name or my email. Which is not my name.","date_sent_to_company":"2020-12-04T06:06:19.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Payday loan debt","zip_code":"48197","tags":null,"has_narrative":true,"complaint_id":"3990990","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CURO Intermediate Holdings","date_received":"2020-12-04T00:07:15.000Z","state":"MI","company_public_response":null,"sub_issue":"Threatened to arrest you or take you to jail if you do not pay"},"highlight":{"complaint_what_happened":["They also stated : The charges with Speedy Cash Inc., pressed on you are 1 ) Violation of Federal Banking Regulation 2 ) Breach of contract with loan the company 3 ) Theft by Deception And also : Finally, this <em>case</em> is going to be downloaded in <em>your</em> State County Court and <em>your</em> Local County Sheriff department tomorrow at XXXX XXXX  as per <em>your</em> State Standard Time and after then you will be forced to resolve this <em>case</em> legally by facing all the legal <em>problems</em> and <em>spending</em> <em>money</em> on <em>your</em> <em>attorney</em> as <em>fees</em>"]},"sort":[21.83404,"3990990"]},{"_index":"complaint-public-v1","_id":"2829504","_score":21.808493,"_source":{"product":"Debt collection","complaint_what_happened":"I received the following e-mail message on XX/XX/2018 from XXXX XXXX ( XXXX ) Important : -Read everything about your case file before you call us. We are not going to provide you any information over the phone call have to read all information before you call us so you can understand what is the case is all about. \n\nThree Criminal allegations against your name under Financial Fraud are : - 1 ) Violation of federal banking rules and regulations.\n\n2 ) Theft by deception 3 ) Breach the contract with Loan Company The affidavit states that you XXXXX, XXXXX went online or to the store utilizing your personal information which was track down by anti-fraud department, in order to solicit funds from My client which is XXXX   XXXX XXXX Basically all the loan companies in your state UT they are working under my client XXXX XXXX XXXX (  XXXX  , XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX ) so its doesnt matter from which website or from which store you taken out this loan main lender have a rights that they can file complaints and recover outstanding balance in the courthouse. \n\nAs of today rather than chasing you for money XXXX XXXX XXXX has simply decided to write this money as loss & declared to be stolen by you & want to press legal charges on you & on your Social security number. We will be in contact with your current employer & the state credit bureau to garnish your paychecks until the total amount gets paid back to your creditor in full with the interest amount & the late payment charges. \n\nYour Credit score will hit by negative XXXX points & your drivers license will get blocked. \nYou do have right to hire an attorney, if you dont have one or you can not afford to have one that shall be appointed to you by the Federal Court, but make sure you have someone to who can bail you out once you lose this case in the county court.\n\nNow this case going to be downloaded in your State County Court and your Local County Sheriff department after that you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is {$730.00} you don't have option to set up payment arrangement so don't ask for any arrangement we can only accept full payment of {$730.00} if you want to resolve this case out of court. \n\nNOTE : This case is under investigation by the Local police department and arrest warrant has been already issued by local police department so we cant accept your payment from your bank account or your debit card you can pay this balance is full by the EFTS ( Electronic fund transfer system ) contact us to get information for XXXX and XXXX XXXX to our financial Department Attorney : XXXX XXXX Phone : ( XXXX ) XXXX XXXX Frequently ask question ( FAQ ) ( Must Read if you don't understand what is this case about ) Q 1 : What this is all about?\n\nA 1 : You can read legal court notice so you can understand what is this case regards to Q 2 : I never receive any money from XXXX XXXX XXXX. \n\nA 2 : XXXX XXXX XXXX is financial institute who handling all child finance company in USA ( more than 1397 company ) so if you applied for loan online or if you taken out funds from store actual funds coming from the XXXX XXXX XXXX. \n\n\n\nQ 3 : What options I do have?\n\nA 3 : If you have an attorney you can tell your attorney to give me a call back so we can discuss this matter in legal term. If you want to resolve this case you can follow payment instruction to pay this amount back to client outside of courthouse.\n\nQ 4 : Why the amount is higher than the amount I owe?\n\nA 4 : Because this amount we mention is included outstanding balance, rate of interest ( XXXX  % ), late fee, court paperwork charges, Credit adjustment charges and warrant cancellation fees Q 5 : Why Im sending these funds to you?\n\nA 5 : Because under section 13B of united state law all communication between you and the client has been seized and they declared you as a defaulter our client ready to recollect this amount from you with legal court procedure so we are the mediator between you and the client. \n\nClick here to unsubscribe","date_sent_to_company":"2018-03-01T08:59:27.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Payday loan debt","zip_code":"76137","tags":null,"has_narrative":true,"complaint_id":"2829504","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CURO Intermediate Holdings","date_received":"2018-03-01T03:44:54.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Now this <em>case</em> going to be downloaded in <em>your</em> State County Court and <em>your</em> Local County Sheriff department after that you will be forced to resolve this <em>case</em> legally by facing all the legal <em>problems</em> and <em>spending</em> <em>money</em> on <em>your</em> <em>attorney</em> as <em>fees</em>, <em>case</em> execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from <em>your</em> creditor that is {$730.00} you don't have option to set up payment arrangement so don't ask for any arrangement we can only accept"],"sub_issue":["Threatened or suggested <em>your</em> credit would be damaged"]},"sort":[21.808493,"2829504"]},{"_index":"complaint-public-v1","_id":"2736044","_score":21.421265,"_source":{"product":"Debt collection","complaint_what_happened":"I was sent through a text message on my phone from speedy cash, which I have no dealings with, but the kept trying to contact me. So heres the last harassment : Legal Matter. \n\nRead all case related information carefully we will not able to provide you any information over the phone if you willing to settle this matter out of court call us on listed number. \n\nThree Criminal allegations against your name under Financial Fraud are : - Violation of federal banking rules and regulations. \nTheft by deception Breach the contract with Loan Company The affidavit states that you went online or to the store utilizing your personal information which was track down by anti-fraud department, in order to solicit funds from My client which is XXXX XXXX XXXX.Basically all the loan companies in your state they are working under my client XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX ) so its doesnt matter from which website or from which store you taken out this loan main lender have a rights that they can file complaints and recover outstanding balance in the courthouse. \n\nAs of today rather than chasing you for money XXXX XXXX XXXX has simply decided to write this money as loss & declared to be stolen by you & want to press legal charges on you & on your Social security number. We will be in contact with your current employer & the state credit bureau to garnish your paychecks until the total amount gets paid back to your creditor in full with the interest amount & the late payment charges. \n\nYour Credit score will hit by negative XXXX points & your drivers license will get blocked. \n\nYou do have right to hire an attorney, if you dont have one or you can not afford to have one that shall be appointed to you by the Federal Court, but make sure you have someone to who can bail you out once you lose this case in the county court. \n\nNow this case going to be downloaded in your State County Court and your Local County Sheriff department after that you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is {$950.00} NOTE : This case is under investigation by the credit bureau so we cant accept your payment from your bank account or your debit card we can only accept EFTS ( Electronic fund transfer system ) payment at this moment so kindly contact on the listed number below to get the information for the XXXX XXXX and XXXX XXXX. \n\n\nXXXX XXXX XXXX XXXX To Remind you, I have never taken any loans out through this company. I have through a different company which is paid off.","date_sent_to_company":"2017-11-21T23:24:45.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2736044","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CURO Intermediate Holdings","date_received":"2017-11-21T23:10:25.000Z","state":"OH","company_public_response":null,"sub_issue":"Indicated you were committing crime by not paying debt"},"highlight":{"complaint_what_happened":["Now this <em>case</em> going to be downloaded in <em>your</em> State County Court and <em>your</em> Local County Sheriff department after that you will be forced to resolve this <em>case</em> legally by facing all the legal <em>problems</em> and <em>spending</em> <em>money</em> on <em>your</em> <em>attorney</em> as <em>fees</em>, <em>case</em> execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from <em>your</em> creditor that is {$950.00} NOTE : This <em>case</em> is under investigation by the credit bureau so we cant accept <em>your</em> payment from <em>your</em>"]},"sort":[21.421265,"2736044"]},{"_index":"complaint-public-v1","_id":"3564931","_score":20.509546,"_source":{"product":"Debt collection","complaint_what_happened":"I just received an email ( see below ) for a debt I do not have. I do not have any outstanding bills with this company. I've had companies try to fraudulently get money from me in the past and this is the latest example of this scam. I want to report them and go after them for fraud if possible. \n\nCONTENTS OF EMAIL : XXXX XXXX <XXXX> Thu, XX/XX/2020 at XXXX XXXX To : \" XXXX '' <XXXX> CASE NO : XXXX CURRENT BALANCE : {$920.00} Today Settlement amount {$480.00} CONTACT AT : mailto :  XXXX After receiving this email we will issue a legal warrant on your name within the next couple of hours so before you do anything read this email very carefully and respond back early as possible. You are hereby notified that a lawsuit has been filed against you for three serious allegations. Speedy Cash is a client of ours, and we are going to be representing them in future legal proceedings. \nThe charges with Speedy Cash pressed on you are : 1 ) Violation of Federal Banking Regulation 2 ) Collateral Check Fraud 3 ) Theft by Deception Basicall y all the payday loan companies and payday loan store in the state of PA working under my client which is Speedy cash Inc?\nWhen the creditor attempted to extract the funds back from your account as a repayment, at that time 6 EFTs were returned back constituting worthless electronic checks. So, as of now rather than chasing you for money the creditor has simply decided to write this money as a loss, as well as declared to be stolen and they pressed charges against you.\n\nNow\n\nthe affidavit is taken by FDCPA law that means the Fair Debt Collection Practices Act under Section 9 Chapter 19. Now this means just two things for you : 1. ) If you are on any state supervised probation on payroll, then you will need to intimate the officer about this case. 2. ) If you have any prior convictions including\nbut not limited to worthless check, grand theft or money laundering, so please be aware that they shall handle this case as a habitual offense as your state is a zero-tolerance state.\n\nFinally, this case is going to be downloaded in your State County Court and your Local County Sheriff department Monday at XXXX XXXX as per your State Standard Time and after then you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is {$980.00} If you are willing to settle it out of the court you can surely respond positively today itself. We can only accept your full payment today also there is no negotiation and there are no payment plans available as the issue at hand is extremely time-sensitive. \n\nSo kindly respond to this email on mailto : XXXX to resolve this matter. \n\nSincerely, XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX TX.","date_sent_to_company":"2020-03-12T17:26:10.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"90019","tags":null,"has_narrative":true,"complaint_id":"3564931","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CURO Intermediate Holdings","date_received":"2020-03-12T17:16:22.000Z","state":"CA","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["Finally, this <em>case</em> is going to be downloaded in <em>your</em> State County Court and <em>your</em> Local County Sheriff department Monday at XXXX XXXX as per <em>your</em> State Standard Time and after then you will be forced to resolve this <em>case</em> legally by facing all the legal <em>problems</em> and <em>spending</em> <em>money</em> on <em>your</em> <em>attorney</em> as <em>fees</em>, <em>case</em> execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from <em>your</em> creditor that is {$980.00} If you are willing to settle it out"]},"sort":[20.509546,"3564931"]},{"_index":"complaint-public-v1","_id":"2857772","_score":19.761337,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I wrote my maid a check for {$80.00}. She deposited it on XX/XX/XXXX at her bank, Wells Fargo,XXXX XXXX, XXXX XXXX XXXX XXXX Fl XXXX XXXX. Wells Fargo sends letter to my maid on XX/XX/XXXX saying check bounced, refer to maker and charged {$12.00}. I called my bank, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX, and they said the check cleared their bank on XXXX. My account had {$80.00} deducted from it. I went into my bank to talk to customer service. They said the only thing they could do is refer it to a XXXX XXXX XXXX researcher, case # XXXX. The researcher called me 3 days later and said there is nothing XXXX  XXXX XXXX can do because the check cleared. I told my maid and she called the manager at her Wells Fargo Bank to relay this information. Wells Fargo said the check bounced and there was nothing they could do. I have documents showing the {$80.00} left my account in XXXX XXXX XXXX on XX/XX/XXXX and the Wells Fargo Bank letter saying my check returned unpaid [ bounced ]. My XXXX  account averages a monthly {$20000.00} balance for the last 15 years. [ I have had an account for over 40 years and only credit cards I use are from XXXX. ] I am concerned that this is such an obviously simple problem and the banks do not know how and/or are unwilling to fix it. What if the check would have been {$8000.00} instead of {$80.00}? I would be forced to file a lawsuit for damages and attorney fees. These banks are regulated by the federal government. All banks doing business in the U.S. should be made to take care of simple basic errors in banking and not subject their customers to spending their valuable time and money correcting these simple mistakes. IF U.S. NATIONAL BANKS CAN NOT TAKE CARE OF THIS SIMPLE PROBLEM, IS THIS A SAFE PLACE TO PUT YOUR MONEY.","date_sent_to_company":"2018-03-28T20:06:58.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"32168","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2857772","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-03-28T18:58:44.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["All banks doing business in the U.S. should be made to take care of simple basic errors in banking and not subject their customers to <em>spending</em> their valuable time and <em>money</em> correcting these simple mistakes. IF U.S. NATIONAL BANKS CAN NOT TAKE CARE OF THIS SIMPLE <em>PROBLEM</em>, IS THIS A SAFE PLACE TO PUT <em>YOUR</em> <em>MONEY</em>."],"sub_issue":["<em>Problem</em> making or receiving payments"]},"sort":[19.761337,"2857772"]},{"_index":"complaint-public-v1","_id":"2857725","_score":19.761337,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I wrote my maid a check for {$80.00}. She deposited it on XX/XX/XXXX at her bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Fl XXXX XXXX. XXXX XXXX sends letter to my maid on XX/XX/XXXX saying check bounced, refer to maker and charged {$12.00}. I called my bank, Bank of America,XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX, and they said the check cleared their bank on XXXX. My account had {$80.00} deducted from it. I went into my bank to talk to customer service. They said the only thing they could do is refer it to a Bank of America researcher, case # XXXX. The researcher called me 3 days later and said there is nothing Bank of America can do because the check cleared. I told my maid and she called the manager at her XXXX XXXX Bank to relay this information. XXXX XXXX said the check bounced and there was nothing they could do. I have documents showing the {$80.00} left my account in Bank of America on XX/XX/XXXX and the XXXX XXXX XXXX letter saying my check returned unpaid [ bounced ]. My BoA account averages a monthly {$20000.00} balance for the last 15 years. [ I have had an account for over 40 years and only credit cards I use are from BoA. ] I am concerned that this is such an obviously simple problem and the banks do not know how and/or are unwilling to fix it. What if the check would have been {$8000.00} instead of {$80.00}. I would be forced to file a lawsuit for damages and attorney fees. These banks are regulated by the federal government. All banks doing business in the U.S. should be made to take care of simple basic errors in banking and not subject their customers to spending their valuable time and money correcting these simple mistakes. IF U.S. NATIONAL BANKS CAN NOT TAKE CARE OF THIS SIMPLE PROBLEM, IS THIS A SAFE PLACE TO PUT YOUR MONEY?","date_sent_to_company":"2018-03-28T20:24:52.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"32168","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2857725","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-03-28T20:09:39.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["All banks doing business in the U.S. should be made to take care of simple basic errors in banking and not subject their customers to <em>spending</em> their valuable time and <em>money</em> correcting these simple mistakes. IF U.S. NATIONAL BANKS CAN NOT TAKE CARE OF THIS SIMPLE <em>PROBLEM</em>, IS THIS A SAFE PLACE TO PUT <em>YOUR</em> <em>MONEY</em>?"],"sub_issue":["<em>Problem</em> making or receiving payments"]},"sort":[19.761337,"2857725"]},{"_index":"complaint-public-v1","_id":"6161627","_score":19.44137,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"Hello XXXX Case No : XXXX After receiving this email, we will issue a legal warrant on your name within next couple of hours, so before you do anything read this email very carefully and respond back early as possible. \n\nYou are hereby notified that a lawsuit has been filed against you for three serious allegations. Speedy Cash is a client of ours, and we are going to be representing them in future legal proceedings. \n\nThe charges with Speedy Cash pressed on you are : 1 ) Violation of Federal Banking Regulation 2 ) Collateral Check Fraud 3 ) Theft by Deception The affidavit states that XXXX XXXX was monitored online using the e-mail address XXXX, social security number XXXX, date of birth XX/XX/1990, driver 's license XXXX, driver 's license sate TX, XXXX address XXXX, address TX XXXX XXXX which are in order to solicit funds from a restitution which is owned and operated by the Speedy Cash, who owns and operates more than XXXX online cash websites, web portals and many of the sub lenders are working for them ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Speedy Cash, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The funds were successfully transferred into your bank account utilizing an interstate EFT which stands for electronic funds transfer.\n\nBasically, all the payday loan companies and payday loan store in the state of PA working under my client which is Speedy cash Inc.\n\nWhen the creditor attempted to extract the funds back from your account as a repayment, at that time 6 EFTs were returned back constituting worthless electronic checks. So, as of now rather than chasing you for money the creditor have simply decided to write this money as a loss, as well as declared to be stolen, and they pressed charges against you. \n\nNow the affidavit is taken by FDCPA law that means Fair Debt Collection Practices Act under Section 9 Chapter 19.\n\nNow, this means just two things for you : 1. ) If you are on any state supervised probation on payroll, then you will need to intimate to the officer about this case. \n\n2. ) If you have any prior convictions, including but not limited to worthless check, grand theft or money laundering, so please be aware that they shall handle this case as a habitual offense as your state is zero tolerance state.\n\nThis is also to inform you that the creditor has all the rights and authorities to inform your employer about this case and what will be the results and consequences comes once this case is downloaded and executed with the judgments against you, it is because you have kept your employers name as a security and also as an additional security two more names were used.\n\nFinally, you have the right to hire an attorney, if you have one or if you can not afford one, then one shall be appointed to you. But please make sure that you have someone to help you out regarding this case because once this case is downloaded and executed with judgments against you and if you're found guilty under the bench of jury then you have to bear the court charges as a penalty and the Amount is {$8300.00} excluding your bail charges, your attorney charges and the due amount pending on your name. \n\nFinally, your name and Social Security Information would be reported to the three major credit bureaus of the USA such as, XXXX. ) XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX Ultimately it would be affecting your XXXX scores by XXXX negative points and your social security number would be black listed, and you would also never be eligible for all the government benefits and entities. \nAccording to the orders of the courthouse, the State Investigation Department Officers will deliver all the legal documents to your current employer and that can risk your current job and once the judge opens your case for execution legally tomorrow, then these charges will be reflecting on your Credit Reports because of which it will be very difficult for you to get a new job in the future.\n\nFinally, this case is going to be downloaded in your State County Court and your Local County Sheriff department Monday at XXXX XXXX as per your State Standard Time and after then you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor, that is {$1100.00}. \n\nIf you are willing to settle it out of the court, you can surely respond positively today itself. We can only accept your full payment today also there is no negotiation and there are no payment planes available as the issue at hand is extremely time sensitive. \n\nSo kindly respond to this email or call on ( XXXX ) XXXX to resolve this matter. \n\nSincerely, XXXX XXXX ( Senior Investigator at FEDERAL TRADE COMMISSION ) ( XXXX ) XXXX -- Thanks & regards, XXXX XXXX ( XXXX ) XXXX","date_sent_to_company":"2022-11-10T19:40:42.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Payday loan","zip_code":"77584","tags":null,"has_narrative":true,"complaint_id":"6161627","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCF Intermediate Holdings LLC","date_received":"2022-11-03T22:34:35.000Z","state":"TX","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":null},"highlight":{"complaint_what_happened":["Finally, this <em>case</em> is going to be downloaded in <em>your</em> State County Court and <em>your</em> Local County Sheriff department Monday at XXXX XXXX as per <em>your</em> State Standard Time and after then you will be forced to resolve this <em>case</em> legally by facing all the legal <em>problems</em> and <em>spending</em> <em>money</em> on <em>your</em> <em>attorney</em> as <em>fees</em>, <em>case</em> execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from <em>your</em> creditor, that is {$1100.00}."],"issue":["Charged <em>fees</em> or interest you didn't expect"]},"sort":[19.44137,"6161627"]},{"_index":"complaint-public-v1","_id":"11167960","_score":19.30607,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I do not remember taking out a loan from this company however, they are constantly sending me threatening emails to take out a warrant against me, destroy my job, blacklist my social security number, and ruin my credit by XXXX points. I do remember taking out a payday loan for {$300.00} a while back. Anyway, Please see copy and pasted email below along with the debt and impersonating a Federal Credit Bureau threatening to take out Federal charges on me. \n\nHello XXXX XXXX XXXX : XXXX After receiving this email, we will issue a legal warrant on your name within next couple of hours, so before you do anything read this email very carefully and respond back early as possible. \n\nYou are hereby notified that a lawsuit has been filed against you for three serious allegations. XXXX XXXX is a client of ours, and we are going to be representing them in future legal proceedings. \n\nThe charges with Speedy Cash pressed on you are : 1 ) Violation of Federal Banking Regulation 2 ) Collateral Check Fraud 3 ) Theft by Deception The affidavit states that XXXX XXXX was monitored online using the e-mail address XXXX, social security number, driver 's license, driver 's license sate, ip address, address which are in order to solicit funds from a restitution which is owned and operated by the XXXX XXXX, who owns and operates more than XXXX online cash websites, web portals and many of the sub lenders are working for them ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX ). The funds were successfully transferred into your bank account utilizing an interstate EFT which stands for electronic funds transfer. \n\nBasically, all the payday loan companies and payday loan store in the state of PA working under my client which is XXXX XXXX  XXXX. \n\nWhen the creditor attempted to extract the funds back from your account as a repayment, at that time 6 EFTs were returned back constituting worthless electronic checks. So, as of now rather than chasing you for money the creditor has simply decided to write this money as a loss, as well as declared to be stolen, and they pressed charges against you. \n\nNow the affidavit is taken by FDCPA law that means Fair Debt Collection Practices Act under Section 9 Chapter 19.\n\nNow, this means just two things for you : 1. ) If you are on any state supervised probation on payroll, then you will need to intimate to the officer about this case. \n\n2. ) If you have any prior convictions, including but not limited to worthless check, grand theft or money laundering, so please be aware that they shall handle this case as a habitual offense as your state is zero tolerance state. \n\nThis is also to inform you that the creditor has all the rights and authorities to inform your employer about this case and what will be the results and consequences comes once this case is downloaded and executed with the judgments against you, it is because you have kept your employers name as a security and also as an additional security two more names were used.\n\nFinally, you have the right to hire an attorney, if you have one or if you can not afford one, then one shall be appointed to you. But please make sure that you have someone to help you out regarding this case because once this case is downloaded and executed with judgments against you and if you're found guilty under the bench of jury then you have to bear the court charges as a penalty and the Amount is {$8300.00} excluding your bail charges, your attorney charges and the due amount pending on your name. \n\nFinally, your name and Social Security Information would be reported to the three major credit bureaus of the USA such as, XXXX. ) XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX  Ultimately it would be affecting your FICO scores by XXXX negative points and your social security number would be black listed, and you would also never be eligible for all the government benefits and entities. \nAccording to the orders of the courthouse, the State Investigation Department Officers will deliver all the legal documents to your current employer and that can risk your current job and once the judge opens your case for execution legally tomorrow, then these charges will be reflecting on your Credit Reports because of which it will be very difficult for you to get a new job in the future. \n\nFinally, this case is going to be downloaded in your State County Court and your Local County Sheriff department Monday at XXXXXXXX XXXX as per your State Standard Time and after then you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor, that is {$3800.00}. \n\nIf you are willing to settle it out of the court, you can surely respond positively today itself. We can only accept your full payment today also there is no negotiation and there are no payment planes available as the issue at hand is extremely time sensitive. \n\nSo kindly respond to this mail to resolve this matter. I am waiting. \n\nSincerely, XXXX XXXX ( Senior Investigator at FEDERAL CREDIT BUREAU )","date_sent_to_company":"2024-12-16T16:24:02.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Payday loan","zip_code":"30534","tags":null,"has_narrative":true,"complaint_id":"11167960","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AmeriCash Holding LLC","date_received":"2024-12-16T16:09:12.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Finally, this <em>case</em> is going to be downloaded in <em>your</em> State County Court and <em>your</em> Local County Sheriff department Monday at XXXXXXXX XXXX as per <em>your</em> State Standard Time and after then you will be forced to resolve this <em>case</em> legally by facing all the legal <em>problems</em> and <em>spending</em> <em>money</em> on <em>your</em> <em>attorney</em> as <em>fees</em>, <em>case</em> execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from <em>your</em> creditor, that is {$3800.00}."],"issue":["Charged <em>fees</em> or interest you didn't expect"]},"sort":[19.30607,"11167960"]},{"_index":"complaint-public-v1","_id":"7211376","_score":18.796425,"_source":{"product":"Debt collection","complaint_what_happened":"I received the following email from XXXX on XX/XX/2023 at XXXX XXXX  EDT XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Outstanding Balance {$2400.00} Offer In Compromise {$2400.00} TODAY % Debt Reduction Scheme 2.44 % Waiver | % Saved {$60.00} Case Id : XXXX Debtor : XXXX XXXX You are hereby notified that a lawsuit has been filed against you for three serious allegations. \n\nThe charges pressed against you by XXXX XXXX XXXX are as follows : 1. Violation of Federal Banking Regulations. \n2. Breach of contract with the loan company. \nXXXX. Theft by Deception. \n\nThe affidavit states that XXXX XXXX was monitored online or offline using the email address and solicited funds. These funds are owned and operated by XXXX XXXX, which owns and operates more than 350 online websites, XXXX offline cash stores, web portals, and all of the sub-lenders. \n\nAll the loan companies working under XXXX XXXX XXXX. are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). So, it doesn't matter from which website or store you took out this loan ; the main lender has the right to file a complaint and recover the outstanding balance in the courthouse. \n\nWhen the creditor attempted to retrieve the funds as repayment, you didn't pay your monthly installment on time. As of now, instead of pursuing you for the money, the creditor has decided to write off this amount as a loss and declare it stolen, pressing charges against you. \n\nNow, the affidavit is taken under the FDCPA law, which stands for the Fair Debt Collection Practices Act, under Section 9, Chapter 19. \n\nThis implies two things for you : 1. If you are on any state-supervised probation or payroll, you need to inform the officer about this case. \n2. If you have any prior convictions, including but not limited to worthless checks, grand theft, or money laundering, please be aware that they will handle this case as a habitual offense, as your state has a zero-tolerance policy. \n\nThis is also to inform you that the creditor has all the rights and authority to inform your employer about this case and the potential consequences once this case is downloaded and executed with judgments against you. It is because you have listed your employer 's name as security, and two additional names were used as additional security. \n\nFinally, you have the right to hire an attorney. If you can not afford one, then one will be appointed to you. However, please make sure that you have someone to help you regarding this case because once this case is downloaded and executed with judgments against you, and if you are found guilty by a jury, you will have to bear the court charges as a penalty. The amount is {$18000.00}, excluding your bail charges, attorney charges, and the pending amount in your name. \n\nFurthermore, your name and Social Security Information will be reported to the three major credit bureaus in the USA, namely : 1. XXXX 2. TransUnion LLC 3. XXXX  Ultimately, this will affect your FICO scores negatively by XXXX points, and your Social Security number will be blacklisted. Additionally, you will not be eligible for any government benefits and entities. \n\nAccording to the orders of the courthouse, the State Investigation Department Officers will deliver all the legal documents to your current employer. This can risk your current job, and once the judge legally opens your execution case tomorrow, these charges will be reflected on your Credit Reports, making it very difficult for you to find a new job in the future. \n\nFinally, this case will be filed with your State County Court and your XXXX County Sheriff 's Department tomorrow at XXXX XXXX, as per your State Standard Time. After that, you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney 's fees, case execution charges, legal penalties, bail charges, and paper development charges, in addition to the due amount that you owe to your creditor, which is {$2400.00}. \n\nYou can apply for an Offer In Compromise ( OIC ) and may choose from the payment arrangement options mentioned below : i ) You can clear this debt by paying {$2400.00} today, deducing daily interest, as an ( OIC ) Offer in Compromise. \nii ) You can submit the settlement balance of {$2400.00} in payments ( {$610.00} x 4 installments ) starting from today to hold the warrant. \n\n\nIf you want to resolve this case outside of the court, then contact our restitution debt registrar department for your installments/settlement at XXXX. \n\nRegards, Attorney XXXX XXXX | Division Of National Debt Settlement | FDCPA | TRANS UNION Resolvement Department Confidentiality Statement & Notice : - This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, retransmission, dissemination to unauthorized persons, or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.","date_sent_to_company":"2023-07-06T13:14:37.000Z","issue":"False statements or representation","sub_product":"Payday loan debt","zip_code":"48858","tags":null,"has_narrative":true,"complaint_id":"7211376","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-07-06T13:06:52.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["After that, you will be forced to resolve this <em>case</em> legally by facing all the legal <em>problems</em> and <em>spending</em> <em>money</em> on <em>your</em> <em>attorney</em> 's <em>fees</em>, <em>case</em> execution charges, legal penalties, bail charges, and paper development charges, in addition to the due amount that you owe to <em>your</em> creditor, which is {$2400.00}."],"sub_issue":["Impersonated <em>attorney</em>, law enforcement, or government official"]},"sort":[18.796425,"7211376"]},{"_index":"complaint-public-v1","_id":"16094459","_score":16.078602,"_source":{"product":"Debt collection","complaint_what_happened":"I never received any money from Cash Advance Now they are saying they sent letters and calls. The debt occurred by another company and they are going after me not the right person. \nShow images Division of Cash Advance Inc. Debt Settlement XXXX  : XXXX Outstanding Balance {$1300.00} Offer In Compromise {$400.00} TODAY % Debt Reduction Scheme 70 % Waiver | % Saved {$940.00} Case Id : XXXX Dear XXXX XXXX You are hereby notified that a lawsuit has been filed against your name and social security for XXXX counts of allegations. \n\n\n\nThe charges with XXXX XXXX XXXX, pressed on you are : XXXX ) Violation of Federal Banking Regulation XXXX XXXX Collateral check fraud XXXX ) Theft by Deception XXXX ) Breach of contract The affidavit states that XXXX XXXX was monitored online or offline using the e-mail address of XXXX to solicit funds which is owned and operated by \" Cash Advance Inc '', who owns and operates more than XXXX online websites, XXXX offline cash store, web portals and all of the sub lenders. \n\n\n\nBasically all the loan companies working under Cash Advance Inc. are ( Cash XXXX XXXX, XXXX XXXX XXXX, Cash Advance, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Cash Advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So, it doesnt matter from which website or from which store the debtor took out the loan from, the loan main lender/creditor possesses the legal rights to file a complaint and recover the loan outstanding balance in the court house. \n\n\n\nThe affidavit states the loan amount was electronically transferred into XXXX XXXX bank account. The debtor 's bank account used in receiving this loan is reported as XXXX XXXX XXXX At the time of repayment, when the creditor attempted to extract the funds back from your bank account, the XXXX was returned as a worthless electronic cheque. So, as of now rather than the creditor chasing you for the outstanding balance, the creditor has simply decided to write this debt as a loss, as well as declare the loan amount to be stolen, followed by pressing charges against you. \n\n\n\nIn prior to filing charges, the creditor collection agency \" XXXX XXXX Collections '' has claimed to deliver a letter of settlement to your address which is registered as XXXX XXXX XXXX XXXX MI XXXX as well made several calls to your registered number XXXX Now the affidavit is taken by FDCPA XXXX that means Fair Debt Collection Practices Act under Section XXXX XXXX XXXX. \n\n\n\nNow this means just XXXX things for you : XXXX. ) If you are on any state supervised probation on payroll, then you will need to intimate the officer about this case. \n\nXXXX. ) If you have any prior convictions including but not limited to worthless cheques, grand theft or money laundering, please be aware that they shall handle this case as a habitual offense as your state is a XXXX tolerance state. \n\n\n\nThis is also to inform you that the creditor has all the rights and authorities to inform your current employer about this case and what will be the results and consequences once this case is downloaded and executed with the judgments against you, it is because you have kept your employers name as a security and also as an additional security XXXX more names were used. \n\n\n\nFinally, you have the right to hire an attorney, if you have XXXX or if you can not afford XXXX then one shall be appointed to you. But please make sure that you have someone to help you out regarding this case because once this case is downloaded and executed with judgments against you and if you are found guilty under the bench of jury then you have to bear the court charges as a penalty, and the Amount is {$18000.00} excluding your bail charges, your attorney charges and the due amount pending on your name. \n\n\n\nFinally, your name and Social Security Information would be reported to the XXXX major credit bureaus of USA such as XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ultimately, it would affect your FICO scores by XXXX negative points and your social security number would be blacklisted and you would also never be eligible for all the government benefits and entities. \n\nAccording to the orders of the court house the State Investigation Department Officers will deliver all the legal documents to your current employer and that can risk your current job and once the judge opens your case for execution legally tomorrow then these charges will be reflecting on your Credit Reports which will make it very difficult for you to get a new job in future. \n\n\n\nFinally, this case is going to be downloaded in your XXXX XXXX XXXX and your XXXX XXXX Sheriff department on Wednesday, XX/XX/year>, at XXXX pm as per your State Standard Time and after then you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges which is excluding the loan outstanding balance owed to the creditor. \n\n\n\nYou can apply for an Offer In Compromise ( XXXX ) And May Choose Payment Arrangement Options Mentioned Below : i ) You can clear this debt in full by paying {$400.00} TODAY or before Wednesday, XX/XX/year> XXXX XXXX XXXX as ( XXXX ) Offer In Compromise to hold the WARRANT ). In this case, you have to send your payment to XXXX Your loan account number is \" XXXX ''. You have to mention your loan account number in the email so that they would be able to identify the debt which is getting cleared. \n\n\n\nPAYMENT INSTRUCTIONS Due to so many reported failed attempts to debit this amount from your bank account, the creditor has closed this payment method for you. You will have to take care of this debt using a prepaid card. \n\nThe list of accepted prepaid card are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have to purchase any of the above listed cards for an amount of {$400.00}. You can buy any of these cards in XXXX, XXXX, XXXX, XXXX or any similar stores around you. \n\nScratch the card and take a clear picture of the front side of the card showing the card numbers or activation codes. Send the card pictures over to XXXX for processing. Mention Your loan account number \" XXXX ''. \n\nIf you do not have the full amount of {$400.00} but you have intentions to take care of this debt then we will suggest you to write an email to XXXX and request them to give you a few days extended time to take care of the debt in full. If the creditor is willing to work with you then your case would be kept on hold until they confirm you have cleared the debt in full or until they confirm you failed to make the payment Finally, Our firm will contact \" XXXX XXXX XXXX '' by XXXX Wednesday, XX/XX/year> to confirm if you have settled this debt, if the debt has been paid off then the case will be dropped, if they claim they have not received any payments or heard a word from you, then the charges will be registered in court and you will be served with court papers without any further prior notifications. \n\n\n\n\n\n\n\n\nRegards Attorney XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX Debt Settlement | FDCPA | XXXX XXXXXXXX XXXX Statement & Notice : - This email is covered by the Electronic Communications Privacy Act, 18 U.S.C . 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re-transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation","date_sent_to_company":"2025-11-04T12:55:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Payday loan debt","zip_code":"48234","tags":null,"has_narrative":true,"complaint_id":"16094459","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GVA Holdings, LLC","date_received":"2025-09-23T17:29:10.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Finally, this <em>case</em> is going to be downloaded in <em>your</em> XXXX XXXX XXXX and <em>your</em> XXXX XXXX Sheriff department on Wednesday, XX/XX/year>, at XXXX pm as per <em>your</em> State Standard Time and after then you will be forced to resolve this <em>case</em> legally by facing all the legal <em>problems</em> and <em>spending</em> <em>money</em> on <em>your</em> <em>attorney</em> as <em>fees</em>, <em>case</em> execution charges, legal penalties, bail charges, paper development charges which is excluding the loan outstanding balance owed to the creditor."]},"sort":[16.078602,"16094459"]},{"_index":"complaint-public-v1","_id":"15384224","_score":15.486101,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXXXXXX XXXX sent a letter stating that I had a loan which I have applied but got denied so i never received any monies associated with this claim. They are threatening and my mental state is not that good because I was just scammed from an online romance scam. A copy is as follows : __________________________________________________ Division of XXXX XXXX XXXX Debt Settlement XXXX XXXX XXXXXXXX Outstanding Balance {$1300.00} Offer In Compromise {$300.00} TODAY % Debt Reduction Scheme 70 % Waiver | % Saved {$1000.00} Case Id : XXXX Dear XXXX XXXX You are hereby notified that XXXX lawsuit has been XXXX XXXX your name and social security for XXXX counts of allegations. \n\nThe charges with XXXX XXXX XXXX, pressed on you are : XXXX ) Violation of Federal Banking Regulation XXXX ) Collateral check fraud XXXX ) Theft by Deception XXXX ) Breach of contract The affidavit states that XXXX XXXX was monitored online or offline using the e-mail address of XXXX to solicit funds which is owned and operated by \" XXXX XXXX XXXX '', who owns and operates more than XXXX online websites, XXXX offline XXXX store, web portals and all of the sub lenders. \n\nBasically all the loan companies working under XXXX XXXX XXXX are ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So, it doesnt matter from which website or from which store the debtor took out the loan from, the loan main lender/creditor possesses the legal rights to file a complaint and recover the loan outstanding balance in the court house. \n\nThe affidavit states the loan amount was electronically transferred into XXXX XXXX bank account. The debtor 's bank account used in receiving this loan is reported as XXXX XXXX XXXX XXXX XXXX XXXX At the time of repayment, when the creditor attempted to extract the funds back from your bank account, the XXXX was returned as a worthless electronic cheque. So, as of now rather than the creditor chasing you for the outstanding balance, the creditor has simply decided to write this debt as a loss, as well as declare the loan amount to be stolen, followed by pressing charges against you. \n\nIn prior to filing charges, the creditor collection agency \" XXXX XXXX XXXX  '' has claimed to deliver a letter of settlement to your address which is registered as XXXX XXXX XXXX XXXXXXXX, XXXX FL XXXX as well made several calls to your registered number XXXX Now the affidavit is taken by FDCPA XXXX that means Fair Debt Collection Practices Act under Section 9 Chapter 19. \n\nNow this means just XXXX things for you : XXXX. ) If you are on any state supervised probation on payroll, then you will need to XXXX  the XXXX about this case. \nXXXX. ) If you have any prior convictions including but not limited to worthless cheques, XXXX XXXX XXXX XXXX XXXX, please be aware that they shall handle this case as a habitual offense as your state is a XXXX tolerance state. \n\nThis is also to inform you that the creditor has all the rights and authorities to inform your current employer about this case and what will be the results and consequences once this case is downloaded and executed with the judgments against you, it is because you have kept your employers name as a security and also as an additional security XXXX more names were used. \n\nFinally, you have the right to hire an attorney, if you have XXXX or if you can not afford XXXX then one shall be appointed to you. But please make sure that you have someone to help you out regarding this case because once this case is downloaded and executed with judgments against you and if you are found guilty under the bench of jury then you have to bear the court charges as a penalty, and the Amount is {$18000.00} excluding your bail charges, your attorney charges and the due amount pending on your name. \n\nFinally, your name and Social Security Information would be reported to the XXXX XXXX credit bureaus of XXXX such as XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ultimately, it would affect your XXXX scores by XXXX negative points and your social security number would be blacklisted and you would also never be eligible for all the government benefits and entities. \n\nAccording to the orders of the court house the XXXX XXXX Department XXXX will deliver all the legal documents to your current employer and that can risk your current job and once the judge opens your case for execution legally tomorrow then these charges will be reflecting on your XXXX XXXX which will make it very difficult for you to get a new job in future. \n\nFinally, this case is going to be downloaded in your XXXX XXXX XXXX and your Local County Sheriff department on XXXX XXXX XXXX XXXX XXXX XXXX XXXX as per your State Standard Time and after then you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges which is excluding the loan outstanding balance owed to the creditor. \n\nYou can apply for an Offer In Compromise ( XXXX ) And XXXX Choose Payment Arrangement Options Mentioned Below : i ) You can clear this debt in full by paying {$300.00} TODAY or before XXXXXXXX XXXX XX/XX/year> Deducing XXXX XXXX XXXX ( XXXX XXXX Offer In Compromise to hold the WARRANT ). In this case, you have to send an email to XXXX and request for the necessary payment instructions to clear the debt in full. \n\nYour loan account number is \" XXXX ''. You have to mention your loan account number in the email so that they would be able to identify the debt which is getting cleared. \n\nii ) If you do not have the full amount, you can submit the ( XXXX ) Settlement Balance of {$300.00} in XXXX payments biweekly ( {$100.00} x XXXX installments starting from TODAY or before XXXXXXXX XXXX  XX/XX/year>, to hold the WARRANT ). In such a case, send an email to XXXX and register your payment plan. \n\nOur law firm will be getting in touch with \" XXXX XXXX XXXX  '' on XXXX XXXXXX/XX/year> to confirm if you have settled this debt, if the debt has been resolved then the case will be dropped, if they claim they have not heard from you or received any response from you then the charges will be registered in court without any further prior notifications. \n\n\n\nRegards Attorney XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX Debt Settlement | XXXX | XXXX XXXX XXXXXXXX Statement & Notice : - This email is covered by the Electronic Communications Privacy Act, 18 U.S.C . 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re-transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation","date_sent_to_company":"2025-09-25T11:33:48.000Z","issue":"False statements or representation","sub_product":"Payday loan debt","zip_code":"321XX","tags":"Older American","has_narrative":true,"complaint_id":"15384224","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-08-19T17:20:04.000Z","state":"FL","company_public_response":null,"sub_issue":"Indicated you were committing crime by not paying debt"},"highlight":{"complaint_what_happened":["Finally, this <em>case</em> is going to be downloaded in <em>your</em> XXXX XXXX XXXX and <em>your</em> Local County Sheriff department on XXXX XXXX XXXX XXXX XXXX XXXX XXXX as per <em>your</em> State Standard Time and after then you will be forced to resolve this <em>case</em> legally by facing all the legal <em>problems</em> and <em>spending</em> <em>money</em> on <em>your</em> <em>attorney</em> as <em>fees</em>, <em>case</em> execution charges, legal penalties, bail charges, paper development charges which is excluding the loan outstanding balance owed to the creditor."]},"sort":[15.486101,"15384224"]},{"_index":"complaint-public-v1","_id":"4298237","_score":12.827318,"_source":{"product":"Mortgage","complaint_what_happened":"In XX/XX/XXXX XXXX the current holder at the time of our mortgage called to \" refinance '' our loan to include escrow account for taxes and insurance. They told us it would be less than 30 days to process. XX/XX/XXXX I asked XXXX if I should give a mortgage payment, they said the payment amount will change once the loan refinance took place, they claimed \" short staffed '' as reason it was taking so long. In XX/XX/XXXX I received a foreclosure notice for being 90 days past due. I called the office and they were closing in XX/XX/XXXX! I paid the deliquency of that foreclosure notice, in full. Now that the local office I went in person or on phone to process my loan payments was closed and the main office did not recognize my foreclosure being \" cured '' so they refused to accept payments outside of XXXX. This developed into me looking into Loan modifications. During the Fall of XXXX I went through credit counseling agency to do a loan modification they refused me 3x that year. Said I did not qualify for the Loan Modification due to the value of my home versus the Loan amount needed to refinance. In XX/XX/XXXX I received a repossesion notice for my vehicle that was also financed with XXXX ( remember the office closed, so my refinance turned into a foreclosure ) I called a lawyer XXXX XXXX law office in XXXX ME. He was highly recommended by XXXX in XXXX Me as well as the District Attorney Office in XXXX Me. I made an appointment to speak with him, and I told XXXX that I was talking to an Attorney about the mortgage and the vehicle is now part of that lump sum. They then, before we could file, put an order for repossesion on my vehicle. I contacted XXXX XXXX and he put in emergency ch XXXX filing so I could re take possesion of my vehicle, which we did. I then proceeded with the chapter XXXX, filed XX/XX/XXXX. On many occasions staff from XXXX XXXX office tried to re-negociate loan modifications or refinance before proceeding with Ch. XXXX case. I was looking for Foreclosure defense not to file bankruptcy, but I was assured that was our only avenue to keep our home. Being of middle class means I could not hire him for the service I truly needed. He made about XXXX from ch XXXX with very minimal work. I brought up several violations through out the XXXX process, including foreclosure attempts while ch. XXXX was still open. We also discovered the foreclosure of XXXX was still on the record, so had to open and close the case so that XXXX was allowed to close foreclosure case of XXXX that was paid in full, to back date the closing of that foreclosure, that led me into the current foreclosure. This was done in XX/XX/XXXX or XXXX. XXXX XXXX made them remove the foreclosure from the record with a slap on the wrist, and with no attention paid to other matters such as FORECLOSURE FRAUD. During our Ch XXXX, our servicer was transferred to XXXX Loans. XXXX was no longer the servicer/lender of our account. We tried to do loan modifications and refinances with XXXX loans, and they denied us 3x as well. Just saying that they did not have to participate with loan modifications because they do not reside in USA. XXXX and XXXX XXXX worked on this case alot on behalf of XXXX XXXX. XXXX was the only one that actually tried to see our point and try to assist us, but because they were retained for Bankruptcy and not Foreclosure Defense, they gradually stopped helping in that capacity and would only converse or respond to questions concerning Bankruptcy case, although knowing of many instance of fraud on our account. XXXX ( my husband ) and I, devoured the CFPB website for information and help to build our own case. We did not make mortgage payments at that time Hoping to win the case. And to get the attention to the fraud on the account I could not get any help unless facing foreclosure, which we were not during the ch XXXX, In some of the investigation during the XXXX case, XXXX XXXX did find that Our Home Equity Loan was approved on wrong calculations of the equity of our home. On XX/XX/XXXX XXXX XXXX submitted amendment \" order avoiding lein on real property '' of the HELOC loan in the amount of XXXX because at the time there was no equity to borrow from. And they falsly calculated our house value to create a fictional equity that did not exist at the time of loan. According to denied loan modifications due to the value of the house and the amount owed. This was not filed with the register of deeds until XX/XX/XXXX. During this time frame XXXX I was taking care of my mom and step dad that were both terminally ill. I was self employed since XXXX and did not contribute any income to the household and our financial circumstances had changed so we sought a loan Modification with Caliber loans. As indicated in section f in our Loan Modification, \" If servicer makes advances for payment of taxes or insurance, accrues interest, or posts late or other fees or expenses to the loan, each of which is permissible under the loan documents to add to the amounts outstanding under the note, between the date of the servicer generates this agreement and the date the agreement is processed, then these amounts will either become deferred amounts under the loan documents or will be offset with a portion of good faith funds, if applicable. Deferred amounts do not accrue interest. The deferred amounts will be due at the earlier of payment in full of note, or the maturity date. If you sell the property or refinance the loan, you will require to pay the deferred amount in addition to any other amounts due at that time. '' So any unpaid balances went into a \" deferred Loan '' or Balloon payment of over XXXX Over the time of the review of the loan modification I again brought up many accounting issues I was concerned about going forth with Caliber Home Loans due to prior issues. I was assured that because it is a loan modification and is a legal document that I would not experience any further fraud. In XX/XX/XXXX My mom passed away and in XX/XX/XXXX my Step Dad Passed Away. Doing a loan modification was what we wanted to do, but wanted to make sure that they did not sneek in the HELOC loan amount, which they did try to do, XXXX caught that as well, but again NO ONE wanted to tackle the fraud issue being presented many times now. We entered into a loan modification XX/XX/XXXX with a \" trial period '' XXXX and signing the Loan Modification XX/XX/XXXX. The payments were XXXX ( approxiamate ). On XX/XX/XXXX I received a letter fro Caliber Home loans that our Loan Modification Trial Period Plan was complete and the new payment of {$1100.00} of certified funds or money order with copy of signed Loan Modification Agreement. We made our payments from that point on on time, or with in the same month. I received no documentation, statements or anything before during or after the Loan Modification ( outside the processing of Loan Modification. ) We received no statements that reflected a deficiency balance in our escrow. The loan amount of XXXX included taxes and insurance and was a demand of the servicer for the completion of the Loan Modification. On XX/XX/XXXX was the first statement I received with this information. of a XXXX shortage in our escrow account bringing our payment from XXXX to XXXX monthly for a year to pay the XXXX ( rounded down ) shortage. I called XXXX loans to ask how I could accumulate in a years time, XXXX shortage in our escrow? They advised me to look at my mortgage analysis and it will tell me. I found in my investigation that a large amount added was XXXX ( rounded down ) and then some smaller amounts paid to the town and insurances. In my investigation I found that XXXX was an amount in the XXXX and that amount was placed in \" uncollected fees '' in the deferred loan created in the Loan modification. I contacted XXXX XXXX again, she had helped me since XXXX to navigate this long 11 year process. She sat down with my information and agreed that there was definate errors and assisted me to write QWR requesting information about the breakdown of the escrow shortage amount. They sent documents requested but did not address the problem or questions. I called them several times spending hours on the phone each time I called being transferred to 3-6 people to be left with \" our legal department needs to look at this '' I did not receive a response to the questions about the XXXX and they refused to give me documentation they used to calculate the loan modification loan amount to meet all escrow needs at that time, we discovered that the loan from its inception did not meet the needs to satisfy what was needed to meet the escrow needs, creating partially, the shortage. I understand that escrow accounts fluctuate, when taxes go up and insurance premiums rise and fall, but not XXXX in one year! Over the next 3 years we struggled to make the payments on time, due to XXXX increase in our payments a month. We would tell them each and every month we are struggling to make the payment and need to talk to someone about the escrow account. I found out that my escrow account remains XXXX in shortage and that on XX/XX/XXXX they will transfer to another servicer. I called XXXX XXXX on XX/XX/XXXX to inquire about an attorney to represent me in this case. She had previously searched for an Attorney in the state of Maine, with no luck. I was advised by XXXX XXXX to call CFPB and file a complaint. I called CFPB on XX/XX/XXXX and was advised to submit a complaint online. I the called the Attorney General of Maine to see if they could recommend an Attorney to represent us, he said he does not do that nor does he know any lawyers that would represent us, but thought it odd that XXXX XXXX, could not refer me to an Attorney. I informed him she tried and there is none. I told him that I sought 10 Attorneys and 3 of them did not participate in that kind of law case although advertised through the bar association, and 7 others declined as not taking on new cases or conflict of interest. So now here I sit with no way to even hire an Attorney to represent me in a case that is very clear and I have all the back up documentation that proves the moving of the funds prior to loan modification and them moving back into the account after the loan modification was in place, deliberately causing a hard ship during a loan modification. I have tried to work with the creditors, and even did a Loan Modifcation, acquiring a huge debt, yet they get away with fraud. This has been going on for 14 years total. I have yet to find an attorney to help me. Even the Attorney General of my State could and would only refer me to a housing counselor which I had worked with from the inception of this in XXXX, but had no reference to an Attorney to help me. He said in closing to contact XXXX XXXX would be his only advice and to look up attorneys online, which I had already explained that XXXX and I could not find an Attorney, I called 2 Attorneys today, that advertise Mortgage/Escrow accounts. I called XXXX XXXX XXXX today, and was told that the attorney that handles escrow or real estate law is retiring end of XXXX and are not taking in any new clients. I asked for a referral of another attorney in Maine that may be able to take the case, she recommended XXXX XXXX XXXX in sanford Me, I called them today and she will call me back after she speaks to her attorneys to see if any will take the case. My issue is I have numerous incidents of fraud, I can not find assistance in my state to present this case in court. Now my servicer will change again, and I will most likely be at square one again. I tried to contact the new servicer XX/XX/XXXX but because I do not have an account yet, I cant get through the prompts. My loan is not even set up and they will take it over next week. I am beyond \" Negociating '' anything with this. I feel there needs to be a through investigation into the practices of Caliber Loans and into y case specifically. In my investigations Caliber Loans has many violations and has paid numerous fines for Fraud with same issues I am bring forth for last 14 years. I have been more than patient and more than cooperatiive. I feel they should be held to the same standards I am expected and I feel the State of Maine is doing a dis service in the area of consumer fraud. I hope this leads to many home owners having more honest and accurate accounting practices from lenders and servicers in this state and the entire USA. In the summer of XXXX I believe, I received notification from the Independent Foreclosure Adminstrator, asking us to send in claim, we did and was given XXXX in damages from FORECLOSURE FRAUD. Clearly, there is fraud, clearly I and my husband have done all we can do to this point. I need your help to prove that this company is not complying with USA Lending practices and are maniupulating ledgers to increase my escrow balance and raise our payments so we would default, as it will raise to XXXX interest if it goes in default, according to the Loan Modifcation.","date_sent_to_company":"2021-04-14T23:32:50.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"039XX","tags":null,"has_narrative":true,"complaint_id":"4298237","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Caliber Home Loans, Inc.","date_received":"2021-04-14T23:10:35.000Z","state":"ME","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They sent documents requested but did not address the <em>problem</em> or questions."]},"sort":[12.827318,"4298237"]},{"_index":"complaint-public-v1","_id":"15509756","_score":12.360969,"_source":{"product":"Credit card","complaint_what_happened":"Hello please see the attached file it is specific in detail of our complaint against XXXX XXXX  to the D O T we disputed it with XXXX credit card, and they ruled against us twice with a bad reason that has nothing to do with the issues at hand please see the copy and pasted email below for context. I can provide detailed invoices to back up our claims we were charged 2 times for the same product baggage and wrongly charged for a app check-in service that does not work. again, please see the attached documents for the complete information please contact me for any other information needed at XXXX cell Thank you XXXX XXXX we received final word from XXXX and XXXX XXXX frontiers response was they admitted we were double billed and said they can not refund us the money because we opened a dispute with the bank, and it was to be handled by frontiers accounting department and Barclays, problem is Barclays ruled against us with a lame reason that has nothing to do with the double charge see below XXXX frontiers admitting that they were wrong copy and pasted below then XXXX Barclays denial for a reason not pertaining to anything with our reasons they said they were denying it because we got on the flights Frontiers email XXXX XXXX From : Care, Customer XXXX Sent : Tuesday, XX/XX/year> XXXX XXXX  To : XXXX XXXX Subject : XXXX XXXX XXXX XXXX Hello XXXX, We have received your correspondence as submitted to the Department of Transportation and appreciate the opportunity to respond. We sincerely apologize for the distressing experience you and your family endured during your recent travel. We understand how frustrating and disappointing it must have been to face unexpected charges, technical issues, and unprofessional treatment, especially while traveling with children and loved ones. It is deeply concerning to hear that the baggage inclusions from your original XXXX booking were not honored, and that you were charged multiple times despite assurances from both airlines. The inability to check in online due to system failures, followed by a penalty fee, only compounded the inconvenience and stress of your journey. We are especially sorry for the lack of support and empathy shown by our airport staff and for the time and effort you had to spend during your vacation trying to resolve these issues. However, we can see that you have filed a charge dispute with your bank for your confirmation code ( XXXX ). Once this happens, we are unable to provide a refund or resolution. The dispute will be settled by our Accounting Team and your bank. It will be necessary for you to contact your bank directly for any updates. Thank you for your understanding. Kindly, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX \" \" \" \" \" END OF XXXX EMAIL~~~~~~~~ XXXX email copy from XXXX final response from XXXX complaints P.O. XXXX XXXX | XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : FXXXX XXXX XXXXXXXX XXXX account ending in XXXX Dear XXXX XXXX : I have received correspondence forwarded to Barclays Bank Delaware ( 'Barclays XXXX ) from the Consumer Financial Protection Bureau XXXX I understand your concerns about a dispute claim on your above-referenced account, and would like to detail the results of my investigation. Our records confirmed that XXXX dispute claims were initiated on XX/XX/year>, for the transactions from XXXX XXXX for {$550.00}, {$220.00}, and {$430.00}, which originally posted to your account between XX/XX/year>, and XX/XX/year>. On XX/XX/year>, chargebacks were processed and provisional credits posted to the account while we contacted the merchant. We received documentation from you on XX/XX/year>. On XX/XX/year>, the merchant provided a response to validate the transactions. Unfortunately, we were not able to pursue this matter further on your behalf due to the merchant not violating the terms and conditions of the sales agreement. As such, the claims were closed, and the disputed amounts were rebilled to your account. We received your reassertion request on XX/XX/year>, and the case was worked. On XX/XX/year>, the case was closed as we were not able to assist you with obtaining a credit to your account as the merchant had not violated the terms and conditions of the contract. Upon receipt of your CFPB complaint, we reviewed all the information available to us. Regrettably, we remain unable to assist based on the following reasons : The merchant provided the flight manifest that shows the services were already rendered ; the passenger boarded the flight XX/XX/year>, XXXX XXXX and XX/XX/year>, XXXX, and XXXX XXXX operated without cancellation ; the passenger did not cancel the ticket and chose to travel on this reservation. The flight manifest showed that the passenger boarded the flight, XX/XX/year>, XXXX XXXX and XX/XX/year>, XXXX. The flight manifest is proof that the XXXX went through the XXXX XXXX XXXX XXXX XXXX ), where they presented the identity document. Any further attempts to dispute these transactions must be made directly with the merchant. Customer service is very important to us, and I regret your expectations were not met. If you have questions, please call me directly at XXXX. My office hours are XXXX am to XXXX pm PT, Monday through Friday. Sincerely, XXXX XXXX of the XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX Email from XXXX I will reattach all supporting documents again as well as the XXXX emails we just received from the bank and airline our treatment by both the bank and airlines have been horrible and they both refuse to work together to make restitution always coming up with a lame excuse and punting the ball to the other we are also filing complaints now with the XXXX  XXXX attorney general 's office against both bank and airline and our local state and federal representatives also with the XXXX XXXX XXXX XXXX and quite honestly anyone else we can channel XXXX action news XXXX. We have come to the belief that the airlines are acting corrupt and bordering criminal behavior almost like violating XXXX statute, And as for XXXX bank they are acting like they just do not care and too lazy to read the full picture, they keep coming up with XXXX reasons to say no rather than looking at the facts and documents to see the truth that we were fraudulently charged we have repeatedly tried to contact the bank but you have a better chance of getting hit by lightning than to speak with someone familiar with your case. Lastly XXXX ( you can not speak to anyone that knows anything about your problem and forget about complaining to their website it simply does not work ) is also engaging in fraudulent activities with other consumers please see these website links https : XXXX and https : //www.youtube.com/watch? v=PADLahemNTw These clearly show frontier is very less than honest and border line criminal with their activities again, please see the attached documents for the complete information please contact me for any other information needed at XXXX cell Thank you XXXX XXXX","date_sent_to_company":"2025-08-24T16:22:49.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"18018","tags":null,"has_narrative":true,"complaint_id":"15509756","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-08-24T16:16:35.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overcharged for something you did purchase with the card"},"highlight":{"complaint_what_happened":["<em>case</em>."],"issue":["<em>Problem</em> with a purchase shown on <em>your</em> statement"]},"sort":[12.360969,"15509756"]},{"_index":"complaint-public-v1","_id":"5700015","_score":12.185875,"_source":{"product":"Mortgage","complaint_what_happened":"Dear PHH and respected PHH attorneys ( Former and current ) This is one more try to settle ongoing litigation with you. \nPlease provide answer to below email sent to you on XXXX XXXX and email sent to XXXX XXXX. PHH and their attorneys failed to respond above mentioned emails and other emails. \nKindly honor your settlement offer to avoid claims ; 1 : Mishandling the loan-modification and loan 2 : detrimental reliance lawsuit 4 : failed to record foreclosure deed 5 : unfair settlement practices 6 : Damages caused to the property and tenants .faulty work performed by the PHH unlicensed contractor which made the situation more worse and dangerous. \nXXXX : ETC ETC ETC. \n\n\nXXXX XXXX XXXX Attachments Mon, XX/XX/XXXX, XXXX AM ( 10 days ago ) to XXXX, XXXX, XXXX, XXXX, XXXX Dear XXXX, Good Morning Thank you for your email. \n\nThe lender conducting the foreclosure is also the high bidder at the auction and when an auction is unsuccessful, lenders retain ownership of the property ( XXXX ). This legal statement was confirmed by the former PHH attorney in an email stating that XXXX was the highest bidder at the auction and failed to perform. The next highest bidder was the bank On a conference call meeting between ( PHH former attorney, XXXX attorneys and member of ARC ). We asked a former PHH attorney who holds the title of the property? \n\nShe said that \" A sale by auction is complete when the auctioneer announces by the fall of the hammer. '' and technically it transferred the title to the lender '' On XX/XX/XXXX XXXX PHH sent us a letter stating, the property reverted to our Real Estate Owned ( XXXX ) Department. and PHH 's former attorney sent an email on XXXX XXXX, stated PHH declines rescind the foreclosure. \n\nThe auction of XXXX XXXX XXXX ( the XXXX ) took place on XX/XX/XXXX. Based upon actions by PHH, its representatives and lawyers ( collectively PHH ) and statements made to a number of individuals and official entities subsequent to the auction, acknowledging ownership of the Property by PHH, including certain demands made to the prior owner, that because of PHHs ownership, the former owner had no right to enter the property, whether to make repairs or otherwise, we believe that PHH presently is the owner of the Property and is responsible for all claims and liabilities associated with the Property and by its residents subsequent to the auction. \n\nOn XXXX XXXX we received a letter from the PHH stating we have reviewed the account and confirm that the foreclosure sale is valid and can not be rescinded. '' On XXXX XXXX, PHH sent us another letter stating A letter dated XX/XX/XXXX was inadvertently sent to the mailing address on file ; this letter was sent due to an agreement between Ocwen and the Massachusetts Attorney Generals Office, under which Ocwen agreed to offer certain consumers whose account was billed for one or more property preservation ( e.g., inspection, title, landscaping ) fees between XX/XX/XXXX and XX/XX/XXXX an opportunity to apply for all available loan modification programs. The agreement did not include loans that had already had a completed foreclosure ; therefore we were unable to review your request for a modification. We strive to provide each customer with the utmost in customer care and professionalism and apologize for any inconvenience or miscommunication due to the receipt of the letter Following the receipt of your correspondence, we have reviewed the account and confirm that the foreclosure sale is valid and can not be rescinded. \n\n\n\nPHH sent a letter to the Consumer Financial Protection Bureau ( CFPB ) and confirmed the statement below ; The account was referred to foreclosure counsel on XX/XX/XXXX. At the time of the referral, the account was past due for the XX/XX/XXXX, through XX/XX/XXXX payments. As the payments were not received on the account and as a mutual resolution and/or plan to cure the delinquency on the loan was not achieved, the foreclosure sale was completed on XX/XX/XXXX. Following the completion of the foreclosure sale, the property reverted to our Real Estate Owned ( XXXX ) Department. \n\n\n\nIn XX/XX/XXXX, an IRS Form XXXX, entitled Acquisition or Abandonment of Secured Property, attached hereto as attachment was filed by XXXX XXXX , presumably prepared by PHH. \n\n\n\nOn XX/XX/XXXX PHH former attorney stated The tenants attorney, XXXX XXXX, provided the attached XXXX letter with a list of their property conditions complaints, this is the only document I have now on the issues, and Attorney XXXX has refrained from filing any litigation thus far. PHH did fix the heat last week, but they have agreed that if you can take on the property conditions with an indemnification, they would review for a sale On XX/XX/XXXX XXXX PHH former attorney said I am following up on the below. As we have not heard further from you on this matter, my client is undertaking repairs for a rodent infestation and electrical issues in the property. Please advise asap on undertaking an indemnification for any sale of the property. If my client spends too much completely repairs, there will be no incentive to sell the property for less than market value '' On XX/XX/XXXX, we received an email that Our office represents the mortgagee. Please do not access the property or perform repairs without authorization. We have been in contact with the city regarding its concerns We relied upon the statements made by PHH, its representatives and lawyers ( collectively PHH ) and suffered a detriment as a result of reliance. we will pursue with a detrimental reliance lawsuit.\n\nWhen PHH took the ownership of the property, tenants attorney sent a demand letter to the PHH as owner of the property, in response of this PHH paid water bill and undertook certain repairs demanded by the occupants which lately buildings tenants, claimed that the workmen were either unlicensed or did not obtain proper permits to do the work and that the work they did created additional dangerous conditions in the building, which they outlined in detail, and former PHH attorney had voice messages of deceased tenant, she blamed PHH contractor for a faulty repair which made situation of apartment worst. Since the residents complaints about the work performed by PHH i\nn the building that caused such dangerous conditions and tenant in Unit 2 has died, the grandson of the tenant in Unit 2, who lived with her, has been hospitalized and the Unit 3 occupant has also been hospitalized.\n\nAn electrician PHH sent to the tenants apartment, made a gaping hole in the wall of the tenants apartment ( the tenant took pictures and texted us ) that would allow a flood of rodents back into the tenants apartment and then left without repairing the wall. Attached tenant text with picture and tenant voicemail sent to you in the last email. Later the city of XXXX board of health sent an email. XXXX was contacted the student who lives in the unit that the student had not been to school and the reason was for stomach illness due to the rat infestation. This infestation was verified yesterday '' We sent an email to the former PHXXXX attorny on XX/XX/XXXX stating that how the tenant was suffering with bullets through the tenants windows on multiple occasions, rodents in her apartment with her constantly sweeping up droppings, a fire due to an electrical system failure, entry doors repeatedly broken, so that anyone could gain access, ongoing XXXX XXXXXXXX, other illegal drugs and needles littering the basement, and a profound effect on the tenants XXXX grandchild who lives with the tenant. Without question, this is all PHHs problem and if something untoward happens at this building, there is no question that PHH will suffer greatly because of its failure to address these issues. \nWe believe that PHH presently is the owner of the Property and is responsible for all claims and liabilities associated with the Property and by its residents subsequent to the auction.\n\nWe also wish to remind you that we repeatedly told PHH prior to the auction that it had failed to consider our legal request for a modification agreement,, as required by law, and under PHH agreement with the MA XXXX office and in accordance with law. We have been advised that our claim has merit, and we will be pursuing our rights with respect thereto unless we are able to resolve this amicably. \n\n\n\nNext, I respectfully disagree with your reply regarding the settlement process. I understand you are newly assigned to this case, and you might have missed the conversation I had with the Attorney XXXX XXXX on XXXX XXXX when he presented a new offer from the PHH in the amount of {$110000.00}. \n\nOn XX/XX/XXXX XXXX attorney XXXX XXXX XXXX a voicemail on my number XXXX at XXXX AM. Attached Attorney XXXX voicemail for your review. \n\nSame day at XXXX PM I returned his call and left a voicemail to his number from my number XXXX ( see Attached call history ) and Same day attorney XXXX XXXX called me back on my number XXXX at XXXX PM, we had XXXX minutes settlement conversation. ( See attached call log record ). \n\nAttorney XXXX XXXX presented {$110000.00} on behalf of the PHH at XXXX PM on XXXX XXXX. At the end of the call, he said that contact us whenever you increase your offer or accept the PHH offer in the amount of {$110000.00}.. Thus, email sent on XXXX XXXX was the counteroffer against {$110000.00} settlement, presented by the XXXX XXXX on behalf of the PHH on XX/XX/XXXX XXXX. \n\nEven if you read XXXX XXXX reply he said ; The offer we recently made was the lowest our client was able to make. However, the date by which you would have been required to make the payment has passed, so we presently have no authority to offer a discounted payoff. If you are willing to pay the {$110000.00}, though, we can discuss with our client. Thank. \n\nWhy he said if you willing to pay {$110000.00} against our offer {$72000.00}? Because {$110000.00} is the lowest offer PHH offered us to settle.\n\nDid he say that he never presented a {$110000.00} offer? \n\n\n\nI would highly recommend that you contact attorney XXXX XXXX for the confirmation of the offer he presented on XXXX XXXX in the amount of {$110000.00}. \n\n\n\nI state again settlement offer in the amount of {$110000.00} was presented to us by the PHH on XXXX XXXX after the deadline of previously settlement offer of {$120000.00} .PHH should honor its own settlement offer and I am hopeful that your client is ready to resolve this matter as well by honoring a settlement offer proposed by the PHH in the amount of {$110000.00} which PHH presented to us on XX/XX/XXXX XXXX and we already have accepted this offer. \n\n\n\nWe relied upon on new offer given to us on XXXX XXXX in the amount of {$110000.00} and we gave our counter offers on XXXX XXXX and XXXX XXXX against PHH new settlement offer in the amount of {$110000.00} and then accepted the PHH offer in the amount of {$110000.00} on XXXX XXXX. \n\nWe are not a large rich and powerful organization like your client but composed of dedicated volunteer professional members from a diverse background to support the noble cause. We are not Liar. Yes, we are committed to turning this Property into a home for refugees and to make it a part of the healthy fabric of our community. We are prepared to finance a renovation of the building so as to eliminate the physical problems with the building and satisfy the occupants.\n\nAgain, thank you for your assistance and professionalism and I look forward to hearing from you soon. \n\nAnd previous email : We put a temporary hold on our complaint at MA XXXX XXXX when a former PHH attorney informed MA XXXX XXXX about PHH intentions to sell the property to us at a discounted amount as post foreclosure. Attached is an email from a former PHH attorney, sent to us on XX/XX/XXXX, regarding PHH intentions to sell the property. We have numerous evidence that PHH had been acted as an owner of the property after the auction, some of evidence shared with XXXX XXXX on XXXX XXXX. ( PHH failed to reply to an email sent on XXXX XXXX ). \n\n\n\nOn XX/XX/XXXX. ( Attached XX/XX/XXXX email ) PHH retained your firm and your firm offered us discounted pay off to settle the matter instead of post foreclosure sale, after negotiation we accepted PHH {$110000.00} pay off offer to settle our claims with the PHH. Below is the timeline of negotiation. \n\nOn XX/XX/XXXX, XXXX XXXX called and offered a discounted payoff of {$150000.00} as settlement. Attached XX/XX/XXXX communication and XXXX voicemails attached to that conversation. \nOn XXXX XXXX. We responded to the settlement offer ( Attached XX/XX/XXXX communication. ) On XXXX XXXX, XXXX XXXX replied \" PHH respectfully rejects your most recent counter-offer. It is instead willing to accept {$120000.00} in satisfaction of the loan. This constitutes a discount of more than {$190000.00} off the loans balance and reflects the understanding that the property will require repairs \" ( Attached XX/XX/XXXX email ) on XXXX XXXX. We responded to XXXX XXXX at XXXX am, however XXXX XXXX did not reply to that email and called me to offer {$110000.00}. ( Attached XXXX XXXX email ). We still are looking for a reply from the PHH of this email. He also advised us to contact him when we increase our counteroffer. He never mentioned that negotiation failed or expired or any deadline. He informed us that PHH 's lowest offer is {$110000.00} for a settlement and suggested we contact him when we accept {$110000.00} .He never mentioned the next step and/or deadline of the settlement. ( Please retrieve the call from your record ). \nOn XXXX XXXX. We contacted XXXX XXXX ( Attached XX/XX/XXXX, email ) On XX/XX/XXXX XXXX. We sent our revised offer against {$110000.00} ( Attached XXXX XX/XX/XXXX email ) On XXXX XXXX. We accepted a PHH offer of {$110000.00} ( Attached XX/XX/XXXX email ). \nWe believe that the building has to be rehabilitated immediately before any further damages to the building or occupants. We are prepared to undertake this rehabilitation project immediately. Prior to the auction and prior to the pandemic, we requested an estimate from a contractor. The estimate to rehabilitate the property as of the auction date was {$280000.00}. I expect that because of XXXX and recent structural damages to the property, these costs have probably increased by at least 40 %. Which makes repair cost to approximately {$410000.00}. Electric/City fines were approximately {$30000.00}. \n\n\n\nCOSTS WITH RESPECT TO THE TENANTS CLAIMS. \n\n{$250000.00} at a minimum to an unknown sum depending on the extent of injuries suffered by tenants due to the conditions at the property.Units 1and 2 tenants and their relatives still have possession of the units and keep coming in out all the time. Eviction case is still pending in the housing court. We have spoken to a tenant recently who is now talking about far greater damage awards and is talking about finding a new attorney to take the case. If this tenant is able to find another attorney who represents tenants in these situations involving lead, mold, contaminated needles, rodents and other issues, we both know what could happen. Now there are other tenants who will want just as much as the first tenant gets in damages.\n\nTenants/their heirs are approaching us directly with settlement offers. Their demands have been increased since PHH has been involved and communicating with them somehow. We also learned that tenants are involving new attorneys as one of the former attorneys received a huge amount of money from one of party involved in the property as settlement but failed to disclose the amount to the tenants. Attached attorney dismissal motion filed by one of the tenants and motion from the party involved for your information","date_sent_to_company":"2022-06-23T15:09:01.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"01902","tags":null,"has_narrative":true,"complaint_id":"5700015","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2022-06-23T14:29:29.000Z","state":"MA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["We also learned that tenants are involving new <em>attorneys</em> as one of the former <em>attorneys</em> received a huge amount of <em>money</em> from one of party involved in the property as settlement but failed to disclose the amount to the tenants. Attached <em>attorney</em> dismissal motion filed by one of the tenants and motion from the party involved for <em>your</em> information"]},"sort":[12.185875,"5700015"]},{"_index":"complaint-public-v1","_id":"2831528","_score":12.069059,"_source":{"product":"Mortgage","complaint_what_happened":"this will be a bit lengthy, but i will try it shorten some ...\n\nI became behind in my mortgage in XX/XX/XXXX. I called Wells Fargo to request a loan modification and was given the opportunity to start the process. I wrote the hardship letter and submitted all information that was asked of me. Made my 3 months of payments as asked of me and had paperwork sent to me that had to be notarized and sent back in order to complete the process. There were many issues which made this almost impossible to complete. First attempt the loan specialist stated the notary did not sign in right spot. Second time he states he never received them paperwork and the third he says we received your papers puts me on hold says he see were they came in but doesn't have the paperwork and can not find them. During this back and forth the representative kept asking me for a payment and every time I would ask what my exact payments would be he would be extremely vague with statements such as \" it should be around the same as what you were paying '' and \" let 's just get the papers signed and completed and worry about that later. The last time I spoke to him in XX/XX/XXXX when he told me he could not find my papers, and asked for a payment I told him that I was done. Get back to me when there were concrete numbers and when my paperwork I had sent was found. \n\nI had not heard from anyone for a few months. In XX/XX/XXXX the same representative called me and says, \" okay, lets get this modification done. '' He continued to inform me that he would be sending another set of documents to have signed and notarized but once I received them I was to take them to their specific notary so there would be no other issues, to which I agreed. Once I received the modification documents in the mail we schedule a date for me to go to their notary. Once there I opened the envelope, showed the paperwork to the lady who was there and immediately called the representative. The paperwork sent had wrong dates and wrong amounts. When brought to the representatives attention he apologized and then said he would send me a new copy with the correction but could only send once they received the incorrect copy back. That made no sense to me and I refused. I told him I was not spending postage for their mistake and he said for me to leave with the notary and she cant send back and then they will resend with the corrections. I refused and said they could send me the corrected paperwork but I was not returning the documents I had in hand. \n\nAfterwards I would receive phone calls. The first couple of calls I did try to get answers to which no one could tell me anything absolute other than I owe them a debt. I finally decided to try to record our conversations but every time I told any representative that called me that the call was being recorded that said they do not give permission to be recorded and they could not continue the conversation until I stopped recording. I of course refused cause again nothing was making any sense to me. \n\nFast forward ... I am now in jeopardy of losing my home still with no answers and no one wants to address these issues. I also now believe that fraud has been committed on my account and would like someone to tell if it is the case because in the discovery packet I received I now have a document from a notary stating I was in XXXX, New Jersey to sign and enter into the mortgage agreement. I have never been to XXXX, and a representative of XXXX XXXX XXXX  ( original creditor ) came to my dwelling in XXXX, Pennsylvania to complete the refinance. There are more within the paperwork that raises questions and I truly would like assistance in find all discrepancies pertaining to this alleged debt due to so many inconsistencies. \n\nAnother issue that would raise eyebrows is that during this foreclosure process my on XX/XX/XXXX my dwelling was involved in a 4 house fire. Once the monies from the insurance company came in, Wells Fargo refused to disburse the money to fix the house and the reason given was they had my house in the system to be sold on XX/XX/XXXX. I had to fight with Wells Fargo and the so called attorneys to fix the problem because there was no way for the house to have a sale date if we were still in the court process and no judgement had been made. So again how can you have a sale date when we still had not had a court date? And now there are attorney fees being added into the mortgage statements when again there has not been any type of determination at as yet. \n\nI am pleading for assistance in this matter and pray that I can finally get some real and accurate information","date_sent_to_company":"2018-03-03T09:23:29.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"19131","tags":null,"has_narrative":true,"complaint_id":"2831528","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-03-03T03:02:20.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["And now there are <em>attorney</em> <em>fees</em> being added into the mortgage statements when again there has not been any type of determination at as yet. \n\nI am pleading for assistance in this matter and pray that I can finally get some real and accurate information"]},"sort":[12.069059,"2831528"]},{"_index":"complaint-public-v1","_id":"5739845","_score":12.04863,"_source":{"product":"Mortgage","complaint_what_happened":"This was a difficult complaint to write because there were quite a few people involved and several complaints to be addressed. And I appreciate you being understanding and trying to filter thru them. I can only tell you what has happened to me and ask for your help to correct things for me and make sure it does not happen to other people. I have so many emails and other bank statements if you need them. I only ask if something is challenged then please give me a chance to do the best I can to present the evidence to back up my side. I am one small person trying to present my case. \nThank you very much. XXXX XXXX XXXX Complainant -- XXXX XXXX XXXX My attorney -- Attorney XXXX XXXX Attorney that First Citizens uses in SC to do their foreclosures - Attorney XXXX XXXX XXXX and Attorney XXXX XXXX XXXX XXXX -- according to his email Business and Retail Credit Resolution XXXX XXXX -- never got a return email to know what his title is but I believe it is Region Business Executive I am XXXX XXXX XXXX, a XXXX XXXX XXXX woman with back problems from an accident that was not my fault. First Citizens Bank and Trust has my loan. I did not choose this lender, my mortgage loan shifted to them when XXXX XXXX XXXX sold out to them. First Citizens Bank and Trust exhibits a pattern of behavior towards their customers that is very upsetting. If you look at the blogs, the common theme is that First Citizens Bank and Trust tends to ignore you any time you try to communicate the problem you are having and reprimand you for asking any questions and then make you feel like you caused the problem. If you try to reach out to other departments for help they try to make it seem like you are causing problems when you are simply trying to resolve your issue. I can only surmise that they hope the end result is they outlast you. This is a very poor business practice and doing this to the elderly and the XXXX is really probably criminal. By ignoring the client, it makes the client have to go on a hunt for the truth yourself and then in turn the bank can criticize you for making phone calls and writing to get the answers you need because they have ignored you to begin with. The term Gaslighting comes to mind. \n\nXX/XX/XXXX I was involved in an accident not my fault and because of covid it is still not resolved. \nXX/XX/XXXX I let my mortgage company know I was out of work for a little bit and why. \nXX/XX/XXXX The Pandemic hit and it effected my business completely. I was an adoption consultant/paralegal and I am not able to get in the Dr , offices or the hospitals. Frightening that your business of 30 years could just disappear almost in front of you Every week I communicated with First Citizens and asked about Covid. Never got a clear answer but I assumed when they were so nice and listened then said that they would make a note and put it in my file that meant that with Covid they were working on a solution. From what I read all the mortgage lenders were working on it so I did not worry, this seemed normal. I read that the mortgage companies were going to help with Forbearance, I knew they must have so many people effected that it would take time. I did not realize I had a type of loan that was called an \" In House '' loan. This loan is not federally backed which I had no idea meant that the bank could do whatever to you, or not do anything for you through the Cares Act. \nIn XXXX. During that time I made as many payments as I could, some partial. Always calling or answering First Citizens calls and letting them know my situation. All the while hurting from my accident and totally limited from Covid being able to enter medical facilities with my business. \n\nIn XXXX XX/XX/XXXX I started receiving mail from random attorneys asking if I wanted to do a bankruptcy. I had not even been served anything. But I thought that I better ask for a hardship packet. XXXX in ( Loss Mitigation ) told me she did not know I wanted one. \nXXXX XXXX I contacted one of the attorneys that I worked with and Attorney XXXX negotiated with the attorney XXXX XXXX XXXX and First Citizen Bank and Trust. \nXX/XX/XXXX ( Complaint 1 ) I received a letter from XXXX XXXX thru my attorney that the amount he said I owed was {$18000.00}. ( Letter attached ) This letter listed five categorized amounts that 3 seemed incorrect. ( I just emailed Attorney XXXX XXXX again, whom I have asked repeatedly about these amounts and where they came from. I should be able to ask what these amounts are that I am being charged in The Temporary Repayment Plan including 3 payments beginning XX/XX/XXXX without going thru months of the same emails of me asking for the same thing without being ignored. The latest story I have gotten is that the contact for XXXX XXXX ( independant Attorney for First Citizen ) at First Citizens is out of the office until XX/XX/XXXX and he needs to ask them if he can tell me what his own fees are. They are right there on the letter so why would the attorney have to check with the mortgage company to give me what he charged me for his attorney fees and what he did for those charges. How would the mortgage company know what his costs were?. This is going to make me spend more time and write the Fee Dispute board at the SC Bar. Personally I feel this is to buy time to make up what the charges are for. COMPLAINT ( attached letter of what these charges that I owe. and is supposedly good through XX/XX/XXXX ) This amount also changed by {$840.00} more and was just added onto the Temporary Repayment Plan and again not explained. \nXX/XX/XXXX XXXXTwo times First Citizens violated this law. I even received a letter from First Citizen XX/XX/XXXX in it, it explained the law on appraisals and how there is a copy due to the client 3 days prior to any transaction or closing or dealing monetarily. ( Attached letter of 3 day rule ) How does a mortgage bank send you a letter explaining the law on having to give you your appraisals and then does not give them to you? Who is accountable for making sure the law is followed. \nCOMPLAINT- This one of two appraisals not given to me in the time allotted so I believe this is a habitual offense with other people that should be questioned. ( attached appraisal with mail dated envelope XXXX ) This appraisal was done XX/XX/XXXX and was not mailed to me until XXXX months later, XX/XX/XXXX and only because I repeatedly asked for a copy of this appraisal, First Citizens had this information and actually told me they did not know if they could give it to me. Whoever sent the letter was aware of the law but after that the employees under XXXX XXXX dont seem to know what they are supposed to do. It seems by XXXX XXXX 's example they certainly know how to avoid clients questions and make the client feel as though they are not important enough to ask anything at all or if they do ask then you are made out to be a horrible problem. This is a prime example of them telling me the way they want it to be and I the customer, am just supposed to go along with it and not speak up for myself. I hope that whoever is over enforcing this law will make an example of First Citizen Bank and Trust. This appraisal could have aided me in putting together the Hardship package if I had had it for the Temporary Repayment Plan ( attached 3 pages ) and beginning payments XX/XX/XXXX {$6300.00} / XX/XX/XXXX $ XXXX XX/XX/XXXX {$6300.00}. After my accountant asked for it, this agreement showed up at my attorneys office 2 weeks after the first due date of XX/XX/XXXX, Supposedly it went to the wrong email address of my attorney, they did give me a 2 week grace period, to fix this but here again they just do whatever they want to, also in it, was 3 incorrect payments amounts, my accountant had to line thru them and write in the correct amounts. \n\nAnother complaint on XX/XX/XXXX I asked for a detailed loan history and received it from XXXX XXXX XXXX. However, when I asked them, they, like my accountant could not explain the charges. One of them was {$800.00}. for an appraisal {$450.00} for an appraisal another {$450.00} for another appraisal. We thought that this might be part of the charges from XX/XX/XXXX letter, number 3 labeled Corporate advances in the amount of {$5000.00} on the letter listing the charges from the attorney XXXX XXXX. But when I called XXXX XXXX XXXX they were very nice but they could not figure out the charges either. They tried several people and finally got someone in Loss Mitigation and she insisted that I was not charged for any more appraisals, even though it was right there in front of us. And it was on one of my monthly statements XXXX ( attached a copy of monthly statement XXXX ) it showed as an appraisal charge. On that same statement it has legal fees showing as {$3100.00} which is much different than Attorney XXXX XXXX 's {$1300.00} on the letter ( attached First Citizen Monthly statement XXXX ) Another statement reflects a charge of {$1000.00}. of interest taken on XXXX ( 4days after the closing ) I certainly hope the bank has not collected interest in advance. I am not sure but I believe that is some sort of infraction. ( attached First Citizens monthly statement XXXX ) The payment History was sent very quickly. I'm not sure who runs that department but they did a good job and at least tried to answer the questions. Which they could not and ended up back at XXXX 's department with hostile employees and no answers. \n\nDuring that last year of not getting ANY help from the bank, My mother passing away, XXXX and XXXX people XXXX XXXX XXXX XXXX XXXX  and arranging to borrow the money that was really more than it should be to pay a sum of money to First Citizens that I nor my accountant are not even sure is correct. Im not sure how much more I can take. \nIn the beginning of XX/XX/XXXX I realized that it was taking longer to get my nerves in my back cauterized due to finishing physical therapy, insurance approval and scheduling. I was not getting any help from First Citizen so I thought I would try to get ahead and do something to make sure I did not have any problems with finances for this year coming and I could concentrate on my health. I knew my neighbor wanted to buy my back acres to the property. So I thought it would be a good thing to go ahead while real estate was high plus cutting my acreage down from XXXX acres to XXXX acres plus my house would be beneficial because XXXX acres and a house is a quicker sale than XXXX if I had something terrible happen and God forbid I had to sell my house. When I am not under a great deal of stress I am normally very good with assessing the best way to move forward but I also need the facts ( appraisals and explanations of what payments are. I keep most everything that is documentation that could help me. I found my old emails and contacted XXXX XXXX, she was Retail Customer support Specialist and she had started the process of reducing my collateral in XXXX. I realized that First Citizen had not released a piece of collateral when I refinanced in XXXX. It took quite a bit of time for them to understand that the collateral ( XXXX acres ) really should not have been held but as long as it got worked out I was not going to say anything. It had taken about XXXX and XXXX years and it was not what I had wanted but it was close and it was done by a XXXX XXXX. He seemed to be an honest man and did his best to explain things to me and be very fair. He is no longer with the bank. First Citizens seems to have a problem keeping those employees. \nThere was no longer a division that did what XXXX did so of course Loss mitigation is where I was told to go. They put me with what seemed to be a young man that seemed very inexperienced, XXXX XXXX. At first he told me he did not know that could be done and I told him we had already done it in XXXX, then he told me that yes he could do it. I had offered to put a higher amount down on my principle thinking to begin with the survey would say it was going to be XXXX XXXX to XXXX acres to sell. I even told XXXX that could change if the amount of land sold changed this should have been common sense and we would have to renegotiate that figure and he said that he understood. \nHe seemed so unsure of himself and I even asked him was he sure about all of this because I did not want to get stuck paying XXXX XXXX for a survey and this was my nest egg to help me get thru this year to get my back straightened out. I asked for someone higher up than him that could help me but he kept ignoring me. I have those emails also. He assured me he could do it but later when I found out it was just over XXXX acres to sell in the plot not close to XXXX like I had thought originally. I had reached out to XXXX XXXX from years ago to see if he was still there and to find out if he knew who I needed to speak with that was above XXXX XXXX. In XXXX I encountered XXXX XXXX, he had the same attitude problem then. \nXXXX -- -- I have an app. that records my phone calls and I told XXXX that later. I talked to XXXX about being uncomfortable with XXXX XXXX acting like he was unsure of himself. No one told me until attorney XXXX XXXX XXXX ( attorney that handles XXXX XXXX forclosures ) that XXXX was leaving the bank on the same day that I was trying to close. That gave me a clearer understanding of XXXX 's attitude A couple of months earlier I had told XXXX that I did not feel like XXXX knew what he was doing and he did not understand what I was trying to do. I told XXXX that XXXX said why didn't I take the years worth of payments and put it in a savings account and make my payments each month. How do you get to be the V.P. of anything and not know what I would think would be key vocabulary. He did not understand what deferring my payments meant for the bank to put your payments on the end of my loan, not make me put down more money that I needed to help me with my basic bills each month. The next 3 months are critical and I am very fearful. At this point I still was not sure who worked for who but XXXX assured me he would work alongside XXXX. When I asked XXXX if he was sure, that this was really important because with my back the way it is because of the wreck, I was having to watch every XXXX until I could get my back lumbar facet injections and cauterized. XXXX told me it was Mortgages and he could do what he wanted to, not to worry about it. He either forgot he said this or did not care or he was just trying to get rid of me.. \nXXXX sent me a list by email of what I needed to get done which was no problem and basically all XXXX had to do was put in for an appraisal. This began middle of XXXX and I asked XXXX to put in for the appraisal on XX/XX/XXXX when I emailed him to remind him to do it. I should not have had to remind him to do it period considering all he had to do was get the appraisal done and figure out a customer with over {$330000.00}. Dollars in equity had to put on her principal. If I could have done it myself, I would have but evidently the bank has to call and have one of these independent places that chooses one. Not hearing a word, I was getting worried so after I waited a week, I called XXXX back on XXXX XXXX to see where we were. XXXX said he had given it to a team member to handle and it evidently did not get handled. I was very upset and it was effecting my health. Finally, the appraiser called me on Saturday XX/XX/XXXX and he explained he got it on Friday XX/XX/XXXX. The appraiser apologized and said there is no way that it takes over a week from the time it is put in for it until they contact the client On XXXX XXXX we arranged for him to be at my house Monday morning at XXXX. \nI have had to waste the last month to put this account of what happened together along with the documentation. By looking at the past appraisals, you could tell that the new appraisal should come in at about {$470.00}. Which is exactly what it came in at and I had asked XXXX to tell me what the amount of my own money was to be put in to my own loan, if the appraisal came in at that amount. The attorney and I both had tried to get an idea of what they were basing this on if the maximum was {$470.00}. ( the maximum ) I checked every day hoping that the appraisal would be in so that XXXX and XXXX could negotiate with my attorney XXXX XXXX. \nComplaint -- - on the morning of XX/XX/XXXX Attorney XXXX wrote an email to XXXX and XXXX ( Email included ) explaining how the amount of acreage was less than we thought and with the amount of equity the house has, it was more than fair to First Citizen for me to put {$20000.00}. XXXX XXXX of my own money on my own principle of my own loan and for the bank to do about a year of deferred payments considering nothing had been done for me during XXXX. It was not asking too much. Two other banks said that it was terrible that it was my land and my money and other than the bank charging me some nominal charge for the little bit that it took them to figure out that {$20000.00} and was more than enough to cover 2 years plus some, of payments, bring my mortgage down to {$110000.00}. and giving me a year of differed payments would give me time to get back on my feet from XXXX and these wrecks, unless the bank was trying to get me to fail. Instead, First Citizen took 4 years of payments and no deferral. That hardly seems fair especially when an alleged crime was committed by them not giving me the appraisals when they should have. I plan to go ahead and get free from First Citizens as quickly as possible. Hopefully before the year is up. I don't like to do business with people that are nasty to older people. \n\nPlease remember I did not owe anything as a matter of fact I was ahead about {$300.00} dollars and I needed as much as I could to be able to survive this year to get my medical done and either get my XXXX, which is coming up in 2 - 3 weeks but also be able to work some when they fix this nerve in my back. Attorney XXXX explained to XXXX and XXXX in his email to them XX/XX/XXXX that I had this medical that no fault of my own. I needed to take care of this year and I wanted to pay {$20000.00}. of my money to my principle on my loan. The morning after Attorney XXXX emailed the bank, XX/XX/XXXX the appraisal came in. XXXX XXXX called me instead of calling my attorney. He explained that the bank wanted to take XXXX XXXX XXXX XXXX to put on the principle and then take another XXXX XXXX XXXX {$9000.00}. to make my payments for a year. ( again he did not understand and XXXX did not explain it to him ) He said something and I said something like what kind of a choice is that. I was so disgusted, that after all that work on my part to make sure everything was completed and XXXX did not bother to talk to XXXX about deferring my payments. I asked where was the copy of the new appraisal to help me with what was going on. He said the total was {$420000.00}. I was trying to process why it would have been low. I was having a very bad day with my back. I assumed he was called attorney XXXX next and was going to get it straight with him until I called a few hours later. XXXX never bothered calling attorney XXXX. I understand now why the Consumer Financial Protection Bureau requires the customer to have their appraisal prior to the loan closing and First Citizen should be held accountable for me not having it. If XXXX had emailed me the appraisal and called to tell me to please look over it and he would call me back in an hour that would have been all we needed to negotiate. I would have had the chance to speak to my attorney and point out this was exactly what my attorney offered the bank in his email the day before. Instead, XXXX XXXX called me when his normal avenue to communicate was email. He caught me off guard and told me the appraisal amount was {$50.00} less than it actually was. \nAccording to attorney XXXX XXXX, XXXX also did not turn in the email to get him the ok to do the release of the XXXX acres until XXXX. on Thursday XX/XX/XXXX. So now I had two problems that the bank should not have caused, that I was trying to straighten out. I could have waited a week or two to get the bank to straighten it out but considering many people were waiting on this closing, I was in a terrible position. The seller was going out of town and my friend needed the money I had borrowed from her because she was buying a house for her daughter. We had postponed the closing once and I did not want to postpone it again. I have spoken to several banks and they have all said it was so unprofessional and inhumane to have treated me like this. First Citizens made sure they got more than their fair share and I am struggling to pay my electric and my insurance and even groceries. Now XXXX has cost me XXXX when the interest rates are climbing. \nAfter closing on XX/XX/XXXX, XXXX and having to let First Citizen move my money around however they wanted to. I actually thought XXXX would want to make things right after he told me what a great Mortgage person he is. If he had spent as much time trying to help me as he did try to avoid me, we would not be in this situation. He spent extra time making sure I could not go over his head. I had spoken with one of the places that I could lodge a complaint and they told me one of the first things they would do would be to put me with a compliance department with First Citizens. So I called my branch and asked about reaching the compliance department. I was told by XXXX, the branch manager here in XXXX, that there was not a compliance department and she tried to direct me back to XXXX and even told me that she had emailed XXXX because he had directed them to contact him if I called. Trying to intimidate a person just because they are trying to get to a solution is a terrible thing to do. I can not help but be suspicious of XXXX. Monday approx. XXXX. XX/XX/XXXX, a XXXX XXXX XXXX called and identified himself as a VP of XXXX Banking and told me that the compliance department had contacted him ( the one they do not have ) and asked him if he could reach out to me to see if he could help. I asked him if he minded if I recorded the conversation even though I did not need to ask him. He got so nervous he told me that Compliance would be calling me by close of business. Im still waiting on the call over a week later. Friday XX/XX/XXXX, I went by the main branch and dropped in on XXXX XXXX. He had another addition to the story. There was no name on the email that reached out to him. And they picked him because he was my branch manager. I pointed out to him that I live in XXXX why would he be my branch. He had no answer. He just happened to be downstairs from XXXX office. Attorney XXXX XXXX tried to email me and tell me that the bank did not have anything else they could help me with and they felt like they had done everything they could do. I asked attorney XXXX XXXX to tell me by who's authority he was writing me and he never would answer me. And would not answer me about the amounts that First Citizen charged me. I felt this was another form of intimidation all the while I imagine trying to preserve the amount of business that First Citizen sends to them. \nXX/XX/XXXX The attorney that First Citizen uses, XXXX XXXX XXXX, actually wrote me a letter apologizing for how upset I was when he spoke to me the afternoon of XX/XX/XXXX. He did try to shift the blame and say things like First Citizen had always intended to get my closing done. Even though his partner in the law firm had told me it would be at least a week before they could get it done. And the Appraisers busy schedule along with coordinating with my schedule to review my home. The appraiser contacted me on Saturday and I had him out Monday morning at XXXX I would have had him come Saturday night if it would have helped hurried it along. The Appraiser, XXXX XXXX is a very nice man and seemed very thorough. Considering First Citizens has done nothing for me except take money that they had not explained and took money from me that was excessive.\n\nThere are many other bank statements showing charges that do not match up. I will be glad to produce them. \n\nWe had XXXX hours before the closing but cutting out the collateral got screwed up also because I was told XXXX did not email Attorney XXXX XXXX XXXX either with the instructions until XXXX or XXXX. for the one page document that took them about 30 minutes to do, but they had to have the go ahead and the survey. attorney XXXX XXXX had said that they did not have the survey but they did have it. We got that cleared up. They had the survey and the ok was just a couple of sentences but XXXX had to do the go ahead. \nThe first appraisal had not been put in for at all so we had to push the closing out. The first date was XX/XX/XXXX, my neighbors were going out of town and I had promised to pay my friend back because she was buying a small house for her daughter. She was kind enough to pay for that pre-forclosure thing that I was overcharged by First Citizen by putting down extra appraisals and who knows what else. That needs to be assessed by someone at First Citizens and a detailed list given then my accountant will look at it and I expect to be reimbursed for anything that I overpaid or should not have paid.\n\nHow is the mortgage banker not licensed here in South Carolina?\n\nWhat I want and/or expect : I want to be made whole again.\n\nI want First Citizen to institute a program that will listen to customers and together see if there is merit to what their complaint is. Sometimes people are just not explaining things correctly and need a little bit of help.\n\n*I want at least {$14000.00}. of my money returned to me from First Citizens immediately. I may be damaged further because of the rising interest rate and not being able to devote time to getting some sort of refinancing at another bank or loan institution. \n\n* Amounts defined in detail from letter dated XXXX XXXX from XXXX XXXX XXXX. \namount labeled 3.Corporate Advances {$5000.00} amount labeled 4. Attorney Fees {$1000.00} amount labeled 5. Attorney costs {$330.00} and the additional {$840.00}. charged to me. Added to the Temporary repayment letter and not explained.\n\nI want those amounts plus interest given back to me immediately.\n\n*I want First Citizens to be held accountable for not getting me either of the appraisals in the time frame that is allowed by law. \n*First appraisal done XX/XX/XXXX and not given to me until XXXX ( plus mailing time ) needed it for the time starting XX/XX/XXXX to do my hardship packet. \n*Second appraisal done XX/XX/XXXX and not received until XXXX ( plus mailing time ) Needed XX/XX/XXXX to work on closing amount. And work on the amount that should be paid on principle from the sale of my property. \n\n\" Addendum : First Citizens set aside a year of payments when the bank was aware that there was not a year left of payments before the balloon payment at the end of the loan which is XX/XX/XXXX. This was in a letter sent by the Manager Regional Security ServiceXXXX XXXX XXXX The letter was very threatening. '' Thank you for your time. \nXXXX XXXX XXXX XXXX XXXX XXXX. \nXXXXXXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-08-01T19:36:45.000Z","issue":"Closing on a mortgage","sub_product":"Other type of mortgage","zip_code":"29016","tags":null,"has_narrative":true,"complaint_id":"5739845","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST CITIZENS BANCSHARES, INC.","date_received":"2022-07-06T13:06:32.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The latest story I have gotten is that the contact for XXXX XXXX ( independant <em>Attorney</em> for First Citizen ) at First Citizens is out of the office until XX/XX/XXXX and he needs to ask them if he can tell me what his own <em>fees</em> are. They are right there on the letter so why would the <em>attorney</em> have to check with the mortgage company to give me what he charged me for his <em>attorney</em> <em>fees</em> and what he did for those charges. How would the mortgage company know what his costs were?."]},"sort":[12.04863,"5739845"]},{"_index":"complaint-public-v1","_id":"7369813","_score":12.027248,"_source":{"product":"Mortgage","complaint_what_happened":"Imagine putting your life savings into purchasing your dream home only to have it taken from you due to identity theft, a bank only interested in harvesting your deposit, and opportunistic real-estate investors swooping in and leaving you homeless. We are living this nightmare. We bought a house. \n\nWe are XXXX and XXXX XXXX. \nIn XXXX, the day after XXXX, we drove our XXXX small children and everything we owned 14 hours from XXXX XXXX to XXXX XXXX in hopes of a brighter future amidst the recession. XXXX got a job at a XXXX, quickly rising to XXXX and spending the next ten years with the company saving all the money we could from our combined incomes. Ten years passed and finally, in XXXX as we both approached our XXXX we had finally saved enough ( {$80000.00} ) to fulfill our dream : to provide a home for our family. \nWe found the perfect house in XXXX. Neither of us came from backgrounds that made purchasing a home feel realistic. During XXXX childhood homelessness was a constant fear. Purchasing our home was a milestone and we were proud to set this example to our children : If you work hard enough you can achieve your dreams. It was the American dream come true. It was pure bliss. \nXXXX began working as a XXXX. Our new combined income was nearly {$7000.00} a month and our mortgage was a monthly {$1900.00}. We paid every month through the app. It was perfect until late XXXX. \nThats when our financier XXXX XXXX XXXX began saying our payments were delinquent. We contacted them several times, as our payments were indeed leaving our account monthly and on time. They assured us this was an error on their part and we had nothing to fear. Things went back to normal for a bit, then we got the same notification : DELINQUENT. Again they assured us it was simply their system error. \nBut then our credentials to log into their payment app were denied. We called XXXX XXXX and were told this was because they had sold our mortgage to FREEDOM MORTGAGE. They assured us this was normal and happened from time to time but they had neglected to let us know. We had received XXXX communication. \nWe got in touch with FREEDOM and set up our monthly payments with them and continued to pay our monthly mortgage on time in full. For a while things were fine, then we got the red flag again : DELINQUENT. Again, our money was leaving our account. They were taking the money and saying we had not paid. \nLike XXXX XXXX before them, FREEDOM assured us this was an error in their system and we had nothing to fear. Eventually this became a monthly issue where they would take our payment then say we were delinquent then backtrack and tell us it was an error on their part, assuring us it was a problem they were working to fix. \nIn XX/XX/XXXX XXXX was out in the yard when a man approached claiming to be a real-estate broker and asking what our plans were to vacate our home. He said he had listed our house for sale. He showed us the website where it was listed. This shocked us. We were still paying our mortgage and had received no communication of foreclosure. FREEDOM was processing our payments every month. \nWe called FREEDOM. They said the man must be a scam. They assured us everything was fine. They were, after all, processing our mortgage payments every month. \nBut the following month FREEDOM denied our mortgage payment, claiming our house was foreclosed in XXXX of XXXX. We ask why they took our mortgage payments for XXXX and XXXX. They dont have an answer. We had been in constant communication with them for months, every month, each time being assured everything was fine. They transferred us from department to department, each phone call lasting hours, much of it on hold. \nFinally we get a hold of their attorney who informed us our house was flagged for foreclosure in XX/XX/XXXX. We were shocked as we had never received any notice. \nIn XX/XX/XXXX bankruptcy was filed fraudulently online under XXXX Social Security number in a case of identity theft that also racked up substantial credit card debt. The credit cards were shut down as a result. Again, this was identity theft, totally out of our control. We are not bankrupt, nor have we ever been. This fraud is able to be done through a loophole due to the whole COVID ordeal. People can file online without paying any money or providing any documents. The bankruptcy can not be completed unless you provide the proper documents and court costs are paid to process the case. None of that follow up happened as it was fraud and we are not bankrupt. \nThe lawyer told us it doesnt matter if we are actually bankrupt or not because that initial filing is like throwing a stone in the pond. The creditors can see that original filing and make the judgment. As soon as that filing happened and our credit cards got shut down FREEDOM started the foreclosure process. \nWe asked if there should have been any type of notice and they said yes there should have been a foreclosure served to us personally as well as taped to the house. No type of communication was ever received by us. \nWe can prove we are not bankrupt, that we are the victims of identity theft and fraud, but FREEDOM said our only option to retain our home would be to buy it back from them conveniently at a new higher price, in turn demanding a larger down payment. That {$80000.00} original down payment was our life savings. We dont have that anymore. \nFREEDOM has made it clear that our identity theft nightmare will financially benefit them and they are all too happy to profit. It feels demeaning and insulting. \nWe seek professional help and retain a lawyer who discovers multiple red flags, including records in the county deeds that FREEDOM took the house out of our name and gave it to a brokerage company for sale before the house was officially foreclosed on. \nWe were hoping our lawyers could put a hold on the sale so that we could resume our trial. But FREEDOM was able to sell our home to an independent buyer, real estate investor and realtor XXXX XXXX, who owns multiple properties. As soon as the independent buyer bought the house and passed through escrow FREEDOM mortgage dropped the eviction as we were no longer their problem. \nThe buyer has declared us unlawful detainers. We are unlawful in the home we paid for, the home we never missed a payment on, the home we put our life savings into. Like FREEDOM, XXXX XXXX wants to flip our home for profit and we are in their way. \nWe went to the court to ask for resources but they had nothing that could help us. \nWe went to court over being unlawful detainers and the Judge communicated to their lawyer that this situation was very unfair but unfortunately in that court we still had no case. Our home has been legally sold from under us, taking our life savings and leaving us with nothing. We had to make a settlement to leave our dream home, the only home weve had or could ever afford. \nThis does not detour the main case between us and FREEDOM, but it will render us homeless. Our daughter will move to XXXX  to live with her aunt as she finishes high school. Our son is still weighing every possible option. \nNow we must split our family apart. \nIt is a waking nightmare, watching everything you worked for get wrestled away from you by a system that does not care. Were still trying to fight and we hope there is a slight possibility of us winning against FREEDOM in the form of a settlement. FREEDOM has much deeper pockets than we do. A faint margin of hope that must be fed with legal fees is little solace. Barely a hope. But its all we have. In California there is no black and white real estate case law for our situation. We are at the mercy of a system that has shown they would rather we be homeless than treat us fairly. \nWe keep asking ourselves what did we do wrong? We paid our mortgage. We communicated with our mortgage company, pursuing them for answers even as they gave us false assurances. \nIn the end perhaps the real mistake was falling for this American scam. \nWe bought a house. \nthank you, XXXX XXXX","date_sent_to_company":"2023-08-08T17:19:47.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"95843","tags":null,"has_narrative":true,"complaint_id":"7369813","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2023-08-08T17:15:20.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Again, our <em>money</em> was leaving our account. They were taking the <em>money</em> and saying we had not paid. \nLike XXXX XXXX before them, FREEDOM assured us this was an error in their system and we had nothing to fear. Eventually this became a monthly issue where they would take our payment then say we were delinquent then backtrack and tell us it was an error on their part, assuring us it was a <em>problem</em> they were working to fix."]},"sort":[12.027248,"7369813"]},{"_index":"complaint-public-v1","_id":"12014772","_score":11.7689,"_source":{"product":"Credit card","complaint_what_happened":"This is a massive complaint that reads like a saga. This problem spans 6 months, has 4 major corporations involved, eats up over $XXXX  a month and there is no end in sight. In an effort to resolve this issue I have contacted every applicable elected official, community organization and government agency one can list outside of the White House itself. And no one seems to know what to do. Therefore, I have composed this complaint in writing to better articulate the issues I am facing, the severity with which they negatively impact my life and why these injustices should have been corrected long ago or never transpired in the first place. \n\tOn XXXX XXXX XXXX  my phone was stolen. The phone was ultimately recovered but it was missing the sim card. I could not call XXXXXXXX  directly so I had to call someone else using XXXX who then had to get another phone, call XXXXXXXX  and hold the two phones together so that I could talk to them personally to request a new chip. On this call I was informed that my autopay would be changed to $XXXX  a month until I could get the new chip activated in order to prevent me from having to pay all of the associated costs, fees, taxes, etc. associated with activating a phone number. Unfortunately, this never worked out to be the case. Even my status as an enrollee in the Military Magenta Plan, which I am only qualified for due to a XXXX% XXXX rating from the VA, was not enough to be treated with basic dignity and respect. At no point did XXXX ever just do what they said they would and charge me $XXXX  a month. Their billing practices are so predatory that even 3 months after my phone was stolen XXXX was still charging me full price for a plan and adding carry over charges from after the phone no longer worked! How XXXX can justify billing me more than $XXXX  a month for a phone number and cell phone I cant even use is beyond reason. \nTheir logic is so twisted that, instead of just doing what they said they would in the first place, they would rather charge me a fee to refund the money they billed incorrectly. How is it just that I am being billed for an error that was not my fault? If I have to pay this then where is the incentive for XXXX  to do ever anything right? All they have to do is make a mistake on my billing and then they get to charge me money to fix it? If my claim that our agreed-upon bill was only $XXXX  a month is enough to win not one, but three, credit card transaction disputes with my bank, how do they justify billing $XXXX  in XXXX  and telling me that I owe an additional sum of more than $XXXX? XXXX agrees it made a billing error and now wants to charge me to the tune of more than $XXXX  to correct that error. XXXX will not stop billing me for junk fees (Back Out Fee, even though I never had a contract and my phone is paid off), made up charges, administrative costs, etc. and I dont know what to do because even my bank isnt trustworthy. \n\n\tNavy Federal Credit Union is the second subject of this complaint due to unauthorized Force Charges approved on my credit card without my permission or knowledge. These charges, from XXXX, were approved even after I had disputed every XXXX Transaction since XXXX, had my credit card shut off, had the line of credit frozen due to a separate fraud claim and received a new (but still not activated) credit card. What is the point of learning and following the rules if they dont really apply? How is it fair that Navy Federal can freeze my credit card to protect me from fraud then authorize transactions on the card number they just froze? Why does XXXX get to use my credit card but I dont? Why is Navy Federal Credit Union allowed to forcibly take my disability check without so much as politely informing me? How am I supposed to trust Navy Federal when they take my money without my permission only to profit from the money I already cant afford to spend by charging me interest and fees on a transaction I never even knew about? Not to mention the negative consequences if I cant/wont pay. The only reason I even have the privilege of being nickel and dimed by Navy Federal Credit Union is because they had someone in boot camp, in a Navy Uniform, come in and talk to us about switching our direct deposit to Navy Federal. They deprived us of sleep for two days and then forced us to make major financial decisions all while a representative from Navy Federal Credit Union just so happened to be there. How convenient. \n12 years later, I am still an account holder with Navy Federal Credit Union.  I even sponsored my entire family so that they could open accounts of their own. You cannot imagine the shame and embarrassment I feel each time I make a phone call begging for someone to help me as I am literally being robbed by the same financial institution I convinced my family to use to plan my nephews financial future and they are there listening to the entire thing. The emotional stress of this was enough that I had to seek emergency counseling from the VA. Im starting to feel like everything is pointless. If disabled veterans can be bullied and pushed around like this without consequence then whats the point of anyone trying? My bank has already profited from me so much over the years, when is enough finally enough? They sucked up so much of my paycheck from active duty military service, AmeriCorps stipends and now my XXXX  money. Ive struggled financially for years because of Navy Federal. They even denied me relief as a struggling humanitarian after the XXXX XXXX was wiped out by two Category 5 Hurricanes and I spent 4 months without electricity, running water or a roof. This negatively impacted my credit score. This financial institution has done things like this to me for years. However, taking my money without my permission is the straw that broke the camel's back. Anyone else that stole money from me would spend the night in jail and have to face a judge. What does Navy Federal get? Probably nothing. \n\nThe third subject of this complaint is XXXX  XXXX  and XXXX together. Specifically, the XXXX  in XXXX, Washington at XXXX XXXX XXXX XXXX XXXXr, WA XXXX. I purchased a XXXX XXXX XXXX from this location in XXXX  after being cut off from the world since XXXX  due to the ongoing issues with XXXXXXXX. I came in asking for the cheapest possible phone I could get with the cheapest possible plan because I really only needed a phone to do essential things (e.g. verify identity as a veteran through VA systems, verification codes using text messages, etc.) until I could figure out the XXXX problem. The employee told me that I didnt need to buy a flip phone and that he could even get me a brand name smartphone  for cheap. Eventually, we landed on a XXXX XXXX XXXX. When I swiped my card, I was told that I was being charged $XXXX  for the phone because of sales tax but other than that everything would be free for two months and if at that time I did not wish to continue as an AT&T customer all I had to do was tell them no thank you and I could even keep the phone. The employee, XXXX, made a comment to me about how amazing this deal was because he didnt know how it worked or how the cell companies made any money on this. Which struck me as odd, because isnt it your job to know? Well, who would've guessed, it didnt work that way. Before XXXX  was over XXXX was contacting me to collect on a past due balance of over $XXXX. Imagine my surprise. I was able to arrange a payment plan with XXXX but that was the end of my good luck. So far, XXXX are the only ones who I cant complain about. Its not their fault that Im on the hook spending almost $XXXX  a month for one cell phone I cant use and another one I never wanted.  \t\nI went into XXXXXXXX  to request a refund. As it turns out, XXXXXXXX  does not actually sell the phones. It is a private contractor that works inside the store that sells the plans and really, I need to contact them directly in order to resolve the issue. Initially, the employees were helpful and sympathetic and wished me luck as they gave me the phone number. Sadly, the phone number given to me was not valid. I looked online for a way to contact XXXX  and tried calling, emailing and even tweeting them using that information. Still nothing. I called XXXX back to let them know that I needed the updated contact information. The employee on the phone was extremely rude so I asked to speak to a supervisor. The supervisor explained to me how busy they were with the electronics department so I decided to go in to ask for the phone number in person because calling was obviously not working. Eventually, I did speak to a manager in person. XXXX was her name. I asked to speak to the highest-ranking person that was currently available in the store because this was such a serious issue. XXXX  informed me that she was the person I was looking for and that the buck stops with her. I explained to her my issues and the bad service I had been receiving from her employees and her response was to look at them and roll her eyes while I was still talking. The people that work in her store sold me a bad product, give me bad information so that I cant correct the mistake that they made, argue with me on the phone when I call to let them know they made another mistake and I still need help, she tells me she is the one accountable for all of this only to treat me like garbage in front of her employees when all I ever did was ask for help to solve a problem they caused. No wonder the standard is so low in that store. Look at who their example is. After arguing with XXXX, I was eventually directed to the XXXX XXXX itself because XXXXXXXX  has XXXX  jurisdiction over them anyway. Its almost like she didnt need to be vindictive to me at all. \nAfter finally speaking to XXXX  at XXXX  I was informed that I could not get a refund on this product because it was after a two-week buyers remorse window. XXXX  seemed to really care and be empathetic to the situation. Especially when I explained to him everything that the other employee had said about the two-month promotion that never actually existed. When all was said and done I did leave with the contact information for the district manager of XXXX. But when I called his mailbox was full and with XXXX  as an example of things to come I knew my complaints to anyone there would fall on deaf ears anyway. \n\nThis is when I had to go get XXXX XXXX from the VA because I just felt like I couldnt take it anymore and that my suffering was worthless. Why is the impetus on me to know every single one of the laws of our society, every single one of the rules and regulations to follow for my bank and every single policy to follow for every individual vendor I do business with instead of them just treating people with dignity and respect to begin with? How is this the better option? How are they allowed to lie in order to sell, and trap me with, a product that I never would have purchased otherwise? Of all three parties involved no one can provide me a refund or any meaningful relief. XXXX XXXX and XXXX  can all be in on it when they profit from lying to me but when it comes time to correct it none of them can be held accountable? And this is legal? This is theft by deception plain and simple and I want my money back.\nSince being unable to reach the OSL district manager I have contacted the VA, XXXX, NCUA, CFPB, State Rep. XXXX XXXX, Sen. XXXX XXXX  the WA State Attorney General, the WA State and Federal Utilities Commissions and the local Vancouver, WA police Department. I have filed complaints with all of them in addition to utilizing resources from the XXXX XXXX  and Washington State Bar Associations to assist me legally through the complaint resolution processes.  If they want a war theyve got one because the only thing I ever did to deserve any of this was be the victim of a crime.","date_sent_to_company":"2025-02-11T00:47:44.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"986XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12014772","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-02-11T00:40:26.000Z","state":"WA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["How am I supposed to trust Navy Federal when they take my <em>money</em> without my permission only to profit from the <em>money</em> I already cant afford to <em>spend</em> by charging me interest and <em>fees</em> on a transaction I never even knew about? Not to mention the negative consequences if I cant/wont pay."],"issue":["Other features, terms, or <em>problems</em>"],"sub_issue":["Other <em>problem</em>"]},"sort":[11.7689,"12014772"]},{"_index":"complaint-public-v1","_id":"2590090","_score":11.706382,"_source":{"product":"Debt collection","complaint_what_happened":"American Education Services aka PHEAA has been consistently harassing my co-signer and me even after making payments to resolve the delinquencies that occurred on and off throughout the course of the loan payment process. I 've spoken with a number of representatives at AES who claim it 's their legal obligation to continue with letters and phone calls until the account is current, in addition to calling and sending letters after the account is current. I also call them whenever I will be late with a payment letting them know when a payment will be made, however they state that calls and letters will still take place. This is a direct violation of my consumer rights as a citizen. This is severe harassment. If I was late with payments, they never fell delinquent past 30 days. In the event that you are calling to make arrangements, that should immediately indemnify any communication unless that payment arrangement becomes null and void as of the scheduled date the payment is set up to be made or thereafter. If communication continues again in the event that a loan is late by only a matter of days, I will be filing a complaint with the district attorney in addition to hiring my own attorney to investigate the constant harassment throughout AES/PHEAA. Keep in mind, that it 's absolutely fraudulent to send a co-signer a notice asking for a payment after a payment was already made. That is an attempt to collect money for something that was already collected. Here are a few testimonials I 've found which go into fair details about the immoral activity that takes place at AES/PHEAA : 1. When I first started paying on my student loans I assumed payments were being applied as directed ; I was completely wrong! Please make sure you check on any payment you send to your student loan. I have tried to send an extra payment on a monthly basis to try to pay off my debt, and after countless calls and speaking to managers I have come to accept I have to check on my loan minimum twice a month. The problems have ranged from my extra payments not being applied AT ALL ( in which case I have to send bank statements and copy of check ) to my account being placed on \" Paid Ahead '' status as it continues to accumulate interest. If you check the website, it states you can target specific loans online, which is completely false. Every manager I speak to gives me a different reason for my payment being applied as they see fit, versus how I am asking for my payment to be applied. Reasons range from putting a cap on how much you can pay towards a subsidized loan to a letter being mailed with the check with \" EXACTWORDING. '' In one of my previous calls, I had to have the manager dictate the letter I needed to  write, which I send out with my check on a monthly basis. Of course this has done nothing to the way my payment is applied, as now they tell me letters are thrown away once thecheck is received and the person receiving the check is not the one to apply the payment. \nNow, along with the letter stapled to the check, I have to write 3 things on the memo field of the \ncheck, \" DO NOT PLACE MY ACCOUNT ON PAID AHEAD STATUS '', the loan number I want to  target, and my account number. You would assume with all this information I would not have a problem ; however, you are wrong again! My payment is still not applied to the account stated, Ihave to spend a minimum of 15 minutes on the phone verifying all my contact information and getting pass the automated service explaining how I have to call EVERY single month, and I have to wait 7-10 business days before my payment is reapplied. In some cases, this does not happen and I need to call again, in others, I have to submit yet another letter asking them to reapply my  payment. I sure wish I had looked at my loans closely for the first 5 years of payments ; or that I had the money to pay them off once and for all! 2.\nI have received 6 letters in the mail, and an email claiming and I owe them money for my graduate school loan. All my loans are with XXXX, and they have no record of transferring any of my accounts to another lender. The department of education also has no record of me having any loans with them. What they are doing is fraud and harassment. 3. I borrowed $ XXXX in student loans, which were sold/consolidated with AES. This was the biggest mistake of my life. I would have been better off with a loan shark. I have paid over $ 28K in loan payments but still owe $ XXXX. That means $ XXXX went toward principal and $ XXXX went to interest and fees. I have tried get assistance with to no avail. Their only response is to pay more than my scheduled payment. 4. I received a letter that I was going into default. I called and explained I had recently gone through a separation and was a struggling single parent of XXXX. I could n't afford my regular day to day bills and could n't afford the payment. I was told that I could do a voluntary arrangement on top of the 15 % garnishment that was being sent to my employer. Well I worked 4 plus years in my current position for state of SC and state rules say you ca n't maintain job and have a default loan. So now I 'm without employment and there is no check to garnish but now my children and I may soon be on the streets. 5. I am very much a responsible borrower. I pay on time and never missed it. This company is not helping students to help pay for student loans. The interest rate keeps increasing after transferring from XXXX XXXX XXXX to AES. It keeps increasing ever since I got transferred to AES. Thiscompany is making people stressed more. I have never received more than 1 bill statement with  Bank XXXX XXXX 's account. With AES aka \" XXXX XXXX '' company, I have received at least more than 2 statements monthly. MAKING PROFITS IS TRULY THEIR MISSION! It is totally NOT reliable. This company should NOT exist because they are merely making profits out of students who are responsible borrowers/new borrowers. Therefore, they do n't deserve any stars. 1 star because it was required! They deserve 0 STAR! This company should be XXXX XXXX XXXX! Or change it to \" XXXX XXXX! 6. This company is by far the worst Company I have ever had to deal with. They send threatening letters demanding you pay so much or else they will take further action. Will NOT work with you in arranging payments you can afford and will NOT defer your loans if you are still in school. Total rip off and you will be paying out the XXXX if you get a loan with this company. They need to be shut down for their practices. If I would have known all of this in the beginning I sure in heck would n't have gotten anything through them ...","date_sent_to_company":"2017-07-31T15:49:49.000Z","issue":"Communication tactics","sub_product":"Federal student loan debt","zip_code":"17522","tags":null,"has_narrative":true,"complaint_id":"2590090","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2017-07-31T15:24:47.000Z","state":"PA","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["In some <em>cases</em>, this does not happen and I need to call again, in others, I have to submit yet another letter asking them to reapply my  payment. I sure wish I had looked at my loans closely for the first 5 years of payments ; or that I had the <em>money</em> to pay them off once and for all! 2.\nI have received 6 letters in the mail, and an email claiming and I owe them <em>money</em> for my graduate school loan."]},"sort":[11.706382,"2590090"]},{"_index":"complaint-public-v1","_id":"2567168","_score":11.065537,"_source":{"product":"Mortgage","complaint_what_happened":"Additional Complaint Addendum TO - XXXX XXXX XXXX XXXX XXXX XXXX ( Main Office ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Under NJ Rev Stat 2A:50-56 ( 2016 ) P. 11 - ( 11 ) the name and address of the lender and the telephone number of a representative of the lender whom the debtor may contact if the debtor disagrees with the lender 's assertion that a default has occurred or the correctness of the mortgage lender 's calculation of the amount required to cure the default.\n<P/>\nThe New Jersey Courts required Ocwen Loan Servicing to refile the Notice of Intent to Foreclose with the True and Correct name and address of the Said Lender. Ocwen resubmitted the the requested document and Claimed the lender was XXXX XXXX XXXX XXXX XXXX XXXX NY.\n<P/>\nI Sent a Formal Complaint to the address and after a number of Attempts by the USPS the Item Was Delivered. We also stipulated that if they did not reply that we would Rescind the mortgage and nullify the Contract. It has been over 3 Years since the attempt to communicate with the Lender as stated on the Notice of Intent to foreclose by NJ LAW 2A:50-56.\n<P/>\nIn the Last week I have contacted the CFPB and made a number of Complaints including Complaint numbers XXXX ( OCWEN ), XXXX ( XXXX XXXX ) and XXXX ( XXXX XXXX XXXX ).\n<P/>\nOn XX/XX/XXXX The CFPB Formal requested the Answer from the our complaint, The Company responded the complaint does not belong to them. ( XXXX XXXX XXXX ) NOTICE OF INTENT TO FORECLOSE STATED THAT THE LENDER WAS XXXX XXXX XXXX XXXX XXXX NY - THUS THIS COMPLAINT SHALL ALSO BE ISSUED TO THEM AS THIS IS A LEGAL REQUIREMENT IF XXXX XXXX XXXX COME BACK AND CLAIM THEY ARE NOT THE LENDER THEN OCWEN HAS COMMITTED FRAUD AND DECEPTION ANLONG WITH UNDER LAW OFFICES AND XXXX XXXX XXXX WE HAVE NOT BEEN ABLE TO DISCUSS OUR ISSUES WITH THE SERVICER WITH THE LENDER AS REQUIRED BY LAW.\n<P/>\nI XXXX XXXX, of XXXX XXXX XXXX XXXX, New Jersey along with my Daughter as Trustee to my financial estate and whom holds full power of attorney, hereby serves you notice of the following complaint [ s ].\n<P/>\nI XXXX XXXX on this day, XX/XX/XXXXhereby request for Ocwen known as the Servicer, and XXXX XXXX as said Lender to examine and respond to all complaints, under the Fair Foreclosure Act, and any other acts including Municipal, Federal and state laws of New Jersey, Florida and New York.\n<P/>\nWhilst this complaint is under investigation and the time given to respond ; you are requested to post a moratorium of foreclosure and delay any activity with any sheriff sale until further notice. ( Currently set forXX/XX/XXXX ) As previously noted in past communications any such delay, failure or other attempt to ignore these complaints shall accelerate any actions prepared. Additionally, The CFPB and other Agencies have duly been notified. A copy of this communication has been submitted into evidence with these said agencies.\n<P/>\nThis Complaint also is Against XXXX XXXX XXXX and its Activities on your behalf. We would like to let [ ocwen ] you know we have already filed Complaints against your counsel with the New Jersey Bar. Once all legal proceedings and foreclosure activities are terminated, an Investigation will be conducted independently by the New Jersey bar Association. As such, any replies via XXXX will be deemed tainted and a conflict of interest.\n<P/>\nCOMPLAINT One ( 1 ) : XXXX Forced Place Insurance.\n<P/>\nWe would like a full investigation, and either a Reduction of costs with regards to forced placed Insurance. In addition to, the consistently increasing cost of insurance that does not cover or replace anything with the property in question. You were requested for an amount that is said to be distributed to XXXX However you have failed to properly disclose if the funds were properly transferred and used for Insurance purposes.\n<P/><P/><P/>\nWe have previously requested help from the insurance company and were denied. However, when we approached an independent insurance agency they said you had received a distribution? - However this was not distributed to the homeowner ; why, and to whom?\n<P/>\nFurthermore due to the continuing escalation of the problems faced after Hurricane XXXX the Roof and Guttering and areas around the house, including the Garage have completely collapsed.\n<P/>\nThe Roofing Shingles have completely been blown away / stripped off the roof, 90 % occurred from Hurricane XXXX yet even though we felt the full force, you claim that we were not in an area that was affected. This has caused continuous leaks in various parts of the house. Including the collapse of the hallway ceiling, in which we have already fixed and replaced ourselves.\n<P/>\nYou have put us in a position where we can not obtain 3rd party insurance because of the problems that already exist which your insurance company does not want to fix. As such we have given up discussing anything with the Insurance Company over the last 5 years, as they are useless and uncaring.\n<P/>\nInXX/XX/XXXX a summer storm destroyed a Kitchen Skylight, which leaked and fell into the home, as homeowner I hired a private contractor and filled the gap left by the collapsing skylight, the leak created cracks in the Ceiling and still have yet to be repaired.\n<P/>\nThe Insurance Company said they were not prepared to pay for the issue, because the Fix had already taken place. Under the circumstances it was either that or have a giant hole allowing the elements to run wild inside the house. Yet for some reason a 3rd party insurance system claimed the funds were distributed anyway ( see other complaint ) So the question is why should you have the ability to claim the Insurance charges if they do not provide a service to repair any issues at hand? You have previously chosen a sister company that fails to provide any service and yet charge up to 3 times as much? - Possible Criminal Activity.\n<P/>\nAs you have not provided any repairs to the house, resulting in the value to be sharply affected, you [ Ocwen ] and XXXX / XXXX XXXX XXXX XXXX have failed to provide any service or return. Thus we would either request for you to fully repair items that are wrong to be fixed and replaced, thus putting the home into livable and economic prosperity.\n<P/>\nAs you [ Ocwen ] are claiming that we owe the costs of insurance [ XXXX et all ], and if we come to an agreement to modify the mortgage, then in your minds eye we have been [ already ] charged for the service in question.\n<P/>\nFurthermore the homeowner never received any payout from the class action lawsuit filed against Ocwen, XXXX et al ; Case No. XXXX Thus in all aspects you still owe 12.5 % of all funds being requested.\n<P/><P/>\nHowever If you fail to repair, replace and finally get someone to fix those issues then we request 100 % of those funds and charges to be removed. We should not be liable for payment and accept the charges for nothing being done. One has to receive a product or service. Thus you and your insurance company are proceeding to partake in theft, you have received money ( via escrow ) to pay XXXX and others, for them to do nothing when required COMPLAINT TWO ( 2 ) : Intentionally Delayed Court Actions.\n<P/>\nDuring the 7 year battle within the New Jersey court system at least 3 of those years were beyond the control of the homeowner. Ocwens legal agent and Representative XXXX XXXX XXXX intentionally sat on their hands for over three years. They continued to do nothing. There was such a delay even the court responded with the threat and action of dismissing the case.\n<P/>\nDuring the period of legal recourse it is the responsibility of the Plaintiff [ which you claim to have been ] ; that indeed the plaintiff had no activity and the court sent many warnings over this time. Failing to respond, the court dismissed the case Due to Lack of prosecution not once byt twice twice. XXXX XXXX XXXX then had to file motions and send representatives to court on multiple occasions increasing legal fees, unnecessarily a burden upon the homeowner. The defendant lost time from work, overtime and caused undue stress.\n<P/>\nIf you would have acted properly and on time, we would have never had to go through such action. This was not the only occurrence it happened twice. With one being completely dismissed, resulting in a request to reinstatement.\n<P/>\nPlease tell us why we should pay for any of the legal costs, if you or your legal team were not even prepared to take action throughout all these years? We had to spend our time, effort, money and health waiting for you to just answer simple questions and take appropriate actions.\n<P/><P/>\nCOMPLAINT THREE ( 3 ) : QUESTIONABLE OCWEN EMPLOYEE ACTIVITY We further wish to complain that you are allowing and accepting your employees to freely give insider information and help foreclosure attorneys. Such as the Use of an Employee called XXXX XXXX XXXX She had worked at your Florida Office then Moved to the Offices of XXXX XXXX.\n<P/>\nWe have transcripts from a conversation between ourselves anXXXX XXXX holder admitting she worked for them. What makes matters worse is that she was involved with our own account. We believe this is a conflict of interest.\n<P/>\nAs such you are now fully aware of this happening, You had freely supplied her name and information during the discovery process, and we have enough evidence to move a complaint in criminal court.\n<P/><P/>\nHowever we could come up with an amicable solution. If you work with us on a modification that 's workable and sustainable, under terms agreed by both sides, by virtue of examining any counter offer.\n<P/>\nYou are claiming that we owe a total of XXXX Thousand dollars as of this date, for a property valued at just over XXXX  Thousand* in good condition. The Market for this house in this area is between 98 and 110 Thousand in current condition, and lets be realistic here, no one with any right mind, investor or not, will be willing to spend the XXXX  Thousand minimum you are asking at Auction and spend another XXXX  Thousand fixing it.\n<P/>\nIf you fail to agree to at least examine any counter offer from US then we reserve the right to continue legal action against Ocwen and XXXX for the foreseeable future either through Criminal, Bankruptcy ( Federal Court ) / and the filing of a separate civil case of Wrongful Foreclosure. This could take years and an additional half a million in costs. This would be a grand total of about 1 Million in losses. As a stock holder I would love to see how fellow stock holders would view this. I would be willing to write and publish an open letter to all stock holders claiming you would rather spend XXXX Million Dollars fighting for a XXXX thousand property.\n<P/>\nNOTE : This would be public knowledge and of public record. This occurrence will be a negative reflection on the title, thus any purchaser considering obtaining a title search shall see such activity and will fail to even agree to any sale above $ 100k. Thus it would be better for you to agree to fixing the issues and reducing the amount owed. Cleaning up the problem and apologizing for allowing your staff and legal representation to corrupt the course of justice, especially after you rehired XXXX XXXX a few years later.\n<P/><P/>\nCOMPLAINT FOUR ( 4 ) Improper Actions with XXXX XXXX XXXX  The Forced and Faked Modification If you check your records, that 's if you have been keeping them up to date, you should be in receipt of a Cease and Desist order from us, as you had filed one against us prior. This swap of C & Ds are all concerning a set of emails from one of your representatives communicating with XXXX XXXX XXXX along with being ccd to myself and my daughter XXXX.\n<P/>\nWe responded by asking what modification? ; as we had not signed any declaration, nor attempted to signal any intention to modify at that time, As we were still in litigation.\n<P/>\nIt also said that you had received payment for the first deposit, yet we had no idea of the existence of such modification and clearly did not set up any type of modification payment plan during this period of time.\n<P/>\nWe would like a proper investigation, and explanation of why you and XXXX/Ocwen tried to commit a criminal action, forgery, deposit and got caught doing so. We would like you to find out why your Legal team is clearly faking information for the benefit of your company. We hold the evidence and we have the emails, so you should either work out a favorable solution or if you take further foreclosure action we will start a criminal case against you.\n<P/>\nIf we are not satisfied by the outcome of this Complaint will be proceed to file Criminal Court complaints, if you do not properly investigate the contents of this communication. The statute of limitations starts when you proceed with this foreclosure. On an Additional note ; We have already been given the go ahead by the New Jersey Civil Court System that this is a criminal action and would have to file it within the criminal justice system. So we Request you take this complaint Seriously.\n<P/><P/><P/><P/><P/>\nOur question to you is do you want us to conduct such activities On XX/XX/XXXX Followed by a wrongful foreclosure civil case and a Federal Bankruptcy case do go along side it. We have the Case Information Statements and fees on standby. Its your call We also know the Names, Dates, Times and places so Discovery wont be too burdensome on your behalf.\n<P/>\nCOMPLAINT FIVE ( 5 ) NON-RESPONSE From Lender XXXX to QWR of NOI The New Jersey Courts requested a proper Second updated Legal notice of Intent to foreclose. The Lender as stated on the Notice of Intent [ NOI } was Contacted via a QWR ( Qualified Written Request ) within the permitted dates allowed by law, as of this date there has been zero contact from the Lender in due course.\n<P/>\nAs a part of this complaint filed under all statutes of the Fair Foreclosure Act and the Fair Debt Collection Practice Act, Both at Federal and all statute laws of New Jersey ( Homeowner ), Florida ( Ocwen ) and New York ( XXXX ) ; we once again issue this complaint as an additional QWR written request for a full and valid reply from XXXX XXXX XXXX, titled as lender, on the qualified Intent to Foreclose or XXXX XXXX XXXX XXXX XXXX XXXX We ( as consumer and customer ) - have the right to demand that we have direct communication with the Lender, especially if we have problems and issues with the Servicer [ Ocwen ], so please provide within 14 days the Name and Contact address, Telephone Number, Fax Number and Email Address of the Bank.\n<P/>\nIf you can not provide a qualified response as per the Notice of Intent to Foreclose and admit the information you published is wrong, please let the court and the Sheriff of XXXX County know you either made a mistake in completing the Notice Of Intent and that you admit that we [ Homeowner ] were disenfranchised.\n<P/>\nThat 's the most honorable thing you can do right now. We could then Go back into court assisted Mediation and sort out this problem.\n<P/>\nIf you can not obtain the requested information of the XXXX  as the Lender, please consider this complaint a part of the legal requirement for you to provide the following information : 1 ) The Physical Address details of the Contact within XXXX.\n2 ) Account number of our Account at XXXX XXXX, 3 ) Location of the account and which officer looks after the account.\n4 ) Who our contact is at XXXX XXXX Name, Department and Location 5 ) What is the XXXX Agents Contact details, Telephone, Fax and Email With these Details we should solve the situation rapidly. Instead of heading back to court for Wrongful foreclosure, which we promise we will file in any attempt to proceed with the continuing foreclosure.\n<P/>\n* The Notice of Intent to foreclose gives the homeowner the right to communicate and resolve any issue, thus we have an issue with Ocwen, its legal Representation and the Bank itself. You are already in receipt of the original letter sent to all parties, if you ignored or lost that letter we recommend investigating your attorney as they received a copy as well.\n<P/><P/>\nWe actively communicated with the Lender via the information provided and no response was forthcoming. We reached out to you to provide a go between to the Lender and for them to communicate with us in due course, as a courtesy we would gladly give you an additional 31 days to communicate with XXXX XXXX to obtain a certified letter/ response. We request a certified response from XXXX XXXX within 45 Days from Receipt of this certified communication. ( XX/XX/XXXX ).\n<P/>\nEveryone knows how Loan Securities work now, its no secret and the Bank is n't at a loss in CASH, So as trustee XXXX also has the ability to decided and tell you [ Ocwen ] what you can do, as they hold the power to adjust the rates, costs, prices and values. They also have the ability to forgive any past debts especially in actions like this.\n<P/>\nWe are not looking for a free house we are looking for a mortgage that is true to the real value, not the exuberant and vastly increased total of nearly Half a Million US Dollars. caused by your negligence and activity, which started by not accepting a single late payment of less than {$200.00} COMPLAINT SIX ( 6 ) Miscellaneous and Erroneous fees, Service Fees and Interest It has come to our attention that you are charging fees on a regular and ad hoc basis, where as you are charging for services such-as maintenance. Yet the house is occupied and in use, so there is no way you or a 3rd party can be actively doing maintenance on the property, as there has been a person located at the property for the last 28 years and no outside entity has conducted such maintenance to occur.\n<P/>\nIn particular in the recent invoice a {$510.00} Dollar Charge consisting of XXXX Maintenance charge, there has been no activity that permits such charges.\n<P/>\nWe would like for you to examine and provide proof that shows every single debit charge\nthat has a 3rd Party attached on the account and that those charges have truly been completed, transferred and actually obtained for the reason of the charges between the dates of inception of this Mortgage. <P/> If you can not provide the Evidence that all 3rd Party / Extended charges have been completed as required, then We claim that some of those charges are misleading and abusive in nature. <P/><P/><P/> COMPLAINT Seven ( 7\n) XXXX Foreclosure Moratorium During the course of the court action XXXX XXXX promised to conduct a moratorium of all foreclosures that the bank had interest in. This was published in the Filling of their SEC Report in XX/XX/XXXX.\n<P/>\nMore Information can be found in the many pages online at the following URL : Search : XXXX XXXX XXXX XXXX XXXX XXXX The Issue is during this time you continued to proceed with the foreclosure and legal activity. Thus we would like to know if XXXX XXXX had any interest in our Home and the case at bar, and why you did not proceed with following their wishes which were made public?\n<P/>\nDid Ocwen look the other way about this situation? Did your attorney not follow XXXX wishes? If you claim that the moratorium did not qualify for our loan you then clearly admit that XXXX has no Interest in this mortgage ; thus Not the Lender? Is this what you are saying? Thus you are conducting a wrongful Foreclosure.\n<P/>\nComplaint Eight ( 8 ) Abusive Photographers and Trespassing There have been a few close calls with our family and the photographers you use to take monthly images and examinations. one occurrence 2 years ago, my Grandson was playing outside under the trees when we noticed someone stopped out front taking pictures, as you may be aware it is illegal to take photos of minors without permission anywhere, you have to obtain parental consent which we do not.\n<P/>\nOn approach he gets into his car ( silver ) and then approaches the driveway ( Trespassing Occurred at this point ), he became agitated and abusive, swearing for us to get out of the way, and that he was acting for OCWEN. I went inside to get my daughters phone to attempt to video him, he said Oh what you going to put that up on XXXX XXXX are you? and drove off at speed.\n<P/>\nThe other time my daughter had approached the vehicle that was parked in our driveway blocking her exit, and we said we do not give you permission to enter the grounds and that they were trespassing, and once again the communication was profoundly expletive.\n<P/>\nAs such we decided to put up cameras this year to make sure if it happens again and we catch them, we will call the authorities. We consider this harassment, and also attempting to photograph minors without consent is criminal, which you are paying for.\n<P/>\nIn a separate incident more recently at least 2 members of the public have attempted to examine the house driving up the driveway and attempting to look around. Please note if further activities continue, we will consider you accepting these occurrences as acceptable ; thus by virtue allowing and supporting further harassment.\n<P/><P/>\nCLOSING Comments Whilst this complaint is under investigation and the time given to respond you are requested to post a moratorium of this foreclosure sale. We request you to delay activity with any sheriff sale until further notice. If you do not delay the current foreclosure sale and n\notify the homeowner byXX/XX/XXXX, we will prepare to file legal paperwork for Wrongful Foreclosure and we will also file Criminal Charges with the local and state Police Departments ( Fraud Division ). <P/>\nFailure to respond to all complaints set here in, or ignoring this communication in full or in part and Failure to respond to all requirements as protected under all such applicable laws including contractual law shall be a breach of contract.\n<P/><P/>\nDates : [ ] You [ Ocwen ] hereby agree to forfeit all claims and contracts If no Action and Reply is forthcoming Certified by USPS ByXX/XX/XXXXthis will automatically be enacted on XX/XX/XXXX. <P/><P/><P/> [ ] This communication / Complaint is being mailed on XX/XX/XXXX - Overnight. <P/><P/> [ ] Ocwen ( You ) shall receive it on the Afternoon of XX/XX/XXXX [ ] You have up to XX/XX/XXXX to stop any foreclosure activity If you require additional time to conduct your investigation You may be\ngranted additional time for both internal and external investigations only on receipt of a USPS Certified Letter of your activity postmarked Prior to XXXXXX/XX/XXXX.\n<P/><P/>\n[ ] If no action is taken by Ocwen and/or XXXX By XX/XX/XXXX, The Homeowner Rescinds the mortgage and claim you have purposely removed yourselves from the contract, you will have no right to continue a foreclosure proceeding beyond this date.\n<P/><P/>\n[ ] If you agree to investigate and delay the Foreclosure sale you have up toXX/XX/XXXX for Ocwen to Fully Respond to these Complaints in writing. Please note phone calls or emails are not permitted. Only USPS Certified mail will be accepted.\n<P/><P/>\n[ ] If you need Further time you must also contact the Homeowner ( SEVEN ) 7 Days before the Date of any future foreclosure sale, you have the ability to change the date as many times as you so wish to provide the best possible information and proper investigation.\n<P/><P/>\n[ ] Once you have conducted a thorough investigation and the homeowner has received communication from XXXX we will consider this an acceptable outcome. Once we have had the chance to speak to a representative at XXXX XXXX as the said Lender, then we can formally file the Complaint with the Lender and not the Servicer applicable by federal law, we shall then request to hold Mediation in XXXX  New Jersey [ ] We Also Require by XX/XX/XXXX - that you have sent a copy of this complaint to XXXX XXXX and show proof by CCing the Communication to the Homeowner of what you Send { OCWEN }. And wait for a Full reply from XXXX XXXX, if you receive a reply that you shall send the Unedited copy stamped when you received this communication from XXXX to the Homeowner Continued ..\n<P/><P/><P/><P/>\nNOTES and other comments.\n<P/>\nNote : This Communication has also been sent via USPS Certified mailing to the original sender, sealed and secured as Evidence in any further dispute.\n<P/><P/>\nNote : We are willing to go to the press and media, we have already been contacted by a few who are interested and wish to run a story. However we have held off until you attempt to foreclose without fixing all issues at hand.\n<P/><P/>\nNote : You are publicizing that you are conducting a Summer\nof Help and Hope, please show us that you mean it by acting in good faith and do as your slogan says Helping Homeowners is what you do. <P/><P/> Note : Furthermore Oc\nwen announced it would sell its mortgage servicing rights to XXXX XXXX XXXX XXXX, a wholly owned subsidiary of XXXX. The sale, which includes {$110.00} billion in unpaid principal balance, we would like clarification with a ) did you [ ocwen ] as a part of that sale included any of the interest in this loan and b ) if you did include the sale of rights to this loan, then when did this occur? To continue to act as the servicer you must provide details that this account is still under the contract with Ocwen Loan Servicing and not another party.\n<P/><P/>\nATTACHED DOCUMENT : THE ORIGIONAL mailing of complaints active","date_sent_to_company":"2017-07-12T16:12:43.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"08037","tags":null,"has_narrative":true,"complaint_id":"2567168","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2017-07-07T03:05:54.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<P/><P/><P/><P/><P/>\nOur question to you is do you want us to conduct such activities On XX/XX/XXXX Followed by a wrongful foreclosure civil <em>case</em> and a Federal Bankruptcy <em>case</em> do go along side it. We have the <em>Case</em> Information Statements and <em>fees</em> on standby. Its <em>your</em> call We also know the Names, Dates, Times and places so Discovery wont be too burdensome on <em>your</em> behalf."]},"sort":[11.065537,"2567168"]},{"_index":"complaint-public-v1","_id":"2861601","_score":10.301678,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"What I am about to unfold will change everything and I strongly urge to take seriously. \n\nAdditionally, this complaint will help provide a documented history for the Federal Lawsuit I will be filing against current CEO XXXX XXXX XXXX XXXX XXXX, former Ceo XXXX XXXX and possibly incoming CEO XXXX XXXX. \n\nFirst and foremost, I cant think of a more deplorable, defiant & remorseless Corporation than Equifax, which currently fields the most complaints of any company in any industry. \nMore urgently the damage Equifax typically causes on me or any other voting citizen is unrepairable and also causes more destruction/harm than any other industry i can think of. \n\nDespite a history of conspicuously providing faulty and inaccurate information, and decades of continually refusing to make real changes to assure they are providing correct information. Equifax alternately schemes to find ways that give the appearance of being Law-Abiding and all this is at the direction or knowledge of the CEO and board of Directors. \n\n\nSummary of Facts concerning my issue ( s ) : Way back around XX/XX/XXXX, I attempted to place a 90-day Alert to my credit report I assumed this information, as required by law, would be shared with XXXX  & XXXX. \nIncredibly in early XXXX, I received a letter from Equifax refusing to ad the Alert ( see attached letter dated XX/XX/XXXX ) I spent the next couple months fighting for a 90-day Alert to be added ( I was unaware during this time my Identity had already been compromised and damage continued through this period ) Note * An Alert would have prevented months more of damages! \nIn XX/XX/XXXX & XX/XX/XXXX, I filed ID theft reports and Request to block accounts, which are still reporting on my Equifax credit report. Equifax Never responded to the XXXX request and Denied the XXXX XXXX Request. Completely and willfully IGNORING what the law requires. \nOn XX/XX/XXXX, I Filed another ID Theft report and Affidavit ( FTC report # XXXX ). I certified mailed this along with an affidavit of identity, proof of address along with other documents. ( See attachment ) On XX/XX/XXXX, I filed another ID Theft report and Affidavit ( FTC report # XXXX ) identifying one ( 1 ) XXXX, two ( 2 ) XXXX accounts, & two ( 2 ) XXXX account, also claiming the following inquiries were not authorized by me ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. As in my previous, signing an affidavit of XXXXdentity & Affidavit Under penalty of perjury and certified mailed all documents to EQUIFAX. ( See attachments ) EQUIFAXS biggest problem & Display of their complete defiance of the law. : Equifax literally admitted to a direct violation of the FCRA in their response dated XX/XX/XXXX, confirmation # XXXX. ( See Attachments ) Here is Equifaxs response ; Under Results Of Your Investigation We Have reviewed your concerns and our conclusions are : Please be advised that Equifax, at this time, will NOT BLOCK the information subject to the submitted identity Theft and/or police report you provided as part of your dispute. We are contacting each creditor directly to verify The account/s on your behalf. \n\n*********WOW!!!! ***** Equifax knows they have no choice in this matter to block the claimed accounts as long as I provided the proper documentation, which I have 4 times. \n\nThe FCRA 605B ( c ) explicitly sets forth reasons Equifax must provide in order to deny or rescind a block of information from an individuals credit report who has filed an Identity Theft claim. \nEquifax did NOT provide a specific reason as required that permit them to deny. ( Another violation of the law ) They are somehow under the delusional belief that if the furnisher mantians a disputed account as belonging to the ID THEFT Victim, this will release them ( Equifax ) from any violations or damages. WRONG!!! \nThe asserted reason of conducting an investigation is not a condition of blocking under section 605B. This was mentioned numerous times in the minutes when Congress created these policies and in a memo from : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX RE :  XXXX XXXX XXXX XXXX XXXX FCRA Legislation, H.R. 2622 In other words, CRAs are required to BLOCK tradelines claimed by consumers within 4- days as long as the consumer signs an Affidavit and files a signed Identity Theft complaint, period! \nThe very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report or FTC Identity Theft claim. EQUIFAX could have always had the Blocked account ( s ) unblocked once the furnisher completes a Proper or reasonable investigation and determines otherwise. \nHowever, EQUIFAX has now lost its rights under that option for their willful and defiant choice to ignore well established rules and law. \n\nTherefore, I am requesting for EQUIFAX to : Please identify which reason or reasons for each tradeline I have claimed Identity theft that Equifax has denied my request to Block. \nWas it.. \na ) Made in error? if this is Equifaxs reason please provide the specific error so I have an ability to correct it or address this error. \nOr was it b. ) a misrepresentation of material fact relevant to the request to block? If EQUIFAX claims this reason please provide me with the Material Fact EQUIFAX claims was misrepresented and provide the proof as required by law that EQUIFAX received in their investigation, when EQUIFAX received this information, how EQUIFAX received this information and the source of the information. \nOr was it c. ) you have obtained possession of goods, services or money as a result of the transaction issue? If EQUIFAX claims this reason, please provide me with the specific goods, services or money I have obtained. When EQUIFAX received this information, how EQUIFAX received this information and the source of the information. \n\nAdditionally, I am requesting if my case has been forwarded to a Working Group or specialized personal for evaluation and to identify this group or personal. \n\nThis is as clear as i can be. I am hoping EQUIFAX does not try to dilute their response with irrelevant nonsense. I mean, I would hope the purpose for both sides is to resolve this issue and the best way to do that is with clarity and transparency. Please understand the longer this takes the more damage myself and other victims would be exposed to. \nA certified letter with this duplicate information will be sent out on XX/XX/XXXX to ensure I have used all viable options for notice. \n\nHOWEVER, whatever EQUIFAXS reasons are now is irrelevant, my complaint is that EQUIFAX continued refusal to Block accounts within four ( 4 ) days, which myself and thousands of others properly claimed as a result of Identity Theft. EQUIFAX has deliberately implemented a scheme for the sole purpose to manipulate, rebel and disregard the FCRA and other State laws. They do this knowing it will cause more harm to Victims of Identity theft, possibly ruin lives, so they can show favoritism and loyalty to paying customers, otherwise known as the furnishers. \nAs a result of EQUIFAXs refusal to follow the law, XXXX XXXX was able to file a civil complaint against me, forcing me to spend thousands more by hiring an attorney. After providing documents to XXXX XXXX attorneys and forcing XXXX to finally conduct a PROPER investigation, XXXX XXXX had no other choice but to dismiss the case WITH PREJUDICE ( see attachment of dismissal ). Anyone who is familiar with XXXX legal reputation recognizes how rare this is for them to do. \n****The XXXX XXXX legal case simply strengthens the legitimacy of my previous identity theft claims! \n\nThis is the same XXXX XXXX I filed an IDENTITY THEFT claim against in XXXX, & XXXX, which EQUIFAX REFUSED to block within the required 4 business days. \n\nSo either EQUIFAX never conducted a proper investigation or XXXX XXXX lied to EQUIFAX or both. Either way, I suffered a tremendous amount of damages, monetary, physically and emotionally? \n\nOnXX/XX/XXXXand XX/XX/XXXX, I filed the identical claims in XXXX and XXXX with the following accounts : XXXX acct. # XXXX XXXX XXXX XXXX XXXX acct. # XXXX XXXX XXXX XXXX XXXX acct. # XXXX acct. # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX Just like my XXXX XXXX claim, none of these accounts were ever BLOCKED as required by law. Just like my XXXX XXXX claim, EQUIFAX claims to have conducted a proper investigation Just like my XXXX XXXX claim, EQUIFAX claimed THE INFORMATION YOU DISPUTED HAS BEEN VERIFIED AS ACCURATE. \nCurrently, EQUIFAX continues to allow these five ( 5 ) accounts to report on my credit report. \nIs EQUIFAX going to follow the law this time and block those accounts? \n\nInvestigating my claim of ID Theft now is irrelevant. WHY? EQUIFAX CHOSE to ignore their legal requirement. Whereas, I followed the law, EQUIFAX CHOSE not to follow the law. \n\nThe big question now ... Will EQUIFAX CHOSE to continue to be defiant, forcing me to spend thousands more in legal fees, therefore work years longer into what should be my retirement years. \n\n\nNevertheless, I now have all the information needed to make EQUIFAX and their XXXX CEO and Executives ACCOUNTABLE! \n\nI can promise you, A FEDERAL LAWSUIT is on its way YOU XXXX & DO NOT expect any settlement without the entire board stepping down and WITHOUT any Severance pay. ( The times of executives receiving a severance pay for their unlawful and/or dereliction of duties MUST end ). Anything short of that and we will have a jury trial, which I strongly prefer. \n\n*YOU HAVE UNTIL XX/XX/XXXX to BLOCK THE ACCOUNTS I HAVE BEEN REPORTING * XXXX XXXX found out the hard way, but I have a feeling Equifax will also roll the dice. \n\n\nCc : XXXX XXXX XXXX Cc : FTC CC : XXXX XXXX investigative reporter XXXX ( 14 time XXXX  award recipient ) XXXX XXXX","date_sent_to_company":"2018-04-02T18:35:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48322","tags":"Older American","has_narrative":true,"complaint_id":"2861601","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-04-02T18:11:31.000Z","state":"MI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["As a result of EQUIFAXs refusal to follow the law, XXXX XXXX was able to file a civil complaint against me, forcing me to <em>spend</em> thousands more by hiring an <em>attorney</em>. After providing documents to XXXX XXXX <em>attorneys</em> and forcing XXXX to finally conduct a PROPER investigation, XXXX XXXX had no other choice but to dismiss the <em>case</em> WITH PREJUDICE ( see attachment of dismissal ). Anyone who is familiar with XXXX legal reputation recognizes how rare this is for them to do."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[10.301678,"2861601"]},{"_index":"complaint-public-v1","_id":"8972194","_score":10.230688,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"After I got my HELOC loan reinstated with XXXX XXXX  in XX/XX/XXXX, I went into the branch located on XXXX XXXX in XXXX, OH and spoke for over an hour with a lady at her desk named XXXX. I showed her all of my documents and the wire transfer of {$11000.00} to XXXX XXXX XXXX account at XXXXXXXX XXXX, I trfied to make a payment and XXXX told me I was current until XX/XX/XXXX. She stated that I had a XXXX balance due until XX/XX/XXXX. I walk my payments in each month ever since the loan was reinstated, I pay in cash and get a receipt and always ask the rep to write their name on the receipt. Some do some won't sign their name. I keep a financial journal and have bank receipts showing each month where I withdraw cash so I can go in person and make my monthly payments, some months I have gone in twice. If I had a XXXX balance and the reinstatement was {$10000.00} and {$11000.00} was wired with the instruction to apply remaining amount to the principal balance. My credit shows XXXXXXXX XXXX only reported the {$10000.00} with the remaining {$970.00} left unaccounted for. Foreclosure fees were included in that {$10000.00}. The law firm sent a pay off quote on XX/XX/XXXX with a total of {$29000.00} the foreclosure fees on that quote were listed as {$1100.00} however, 3 days later on the XXXX XXXX  XXXX a reinstatement quote stated foreclosure fees as {$3400.00} that's a difference of {$2200.00} in 3 days. The payoff quote stated it expired on XXXX XXXX the the reinstate quote stated it expired XX/XX/XXXX. There are 3 different XXXXXXXX XXXX location all in Pennsylvania that are reporting conflicting information to my credit all at the same time. I never opened an account with XXXXXXXX XXXX I only obtained a HELOC loan, yet one location is reporting that it is an overdraft checking, one says line of credit and the other says a loan. Two say they are joint accounts and one says individual. One reported payments as current and also foreclosure started at the same time. There information does not match up, because of their reporting from 3 locations all at the same time and all reporting negative, incorrect and conflicting information my credit dropped over a XXXX points with one agency and over XXXX on another, it was already low and I had been working hard to build my credit back up, however, because of what XXXX XXXX has done it has ruined the credit I had left so I can not qualify to obtain a loan elsewhere and pay them off then focus on suing them for all their violations and the constant stress they have put me and my family through over the last few years. I went into the branch in XXXX, OH and let them know about the monthly statement saying a payment behind and took my receipts in and the lady said she would correct it. Then I see that didn't happen and was given a number to call. So XX/XX/XXXX I called spoke with a lady who said she would look at my account and see what is going on, she called about an hour or so later and stated she found the issue and said the mistake was on the bank not me and she promised and assured me not to worry that she would correct it. I had not missed a payment when XXXX XXXX filed foreclosure. Their lawyer sent me a debt collection letter dated XX/XX/XXXX that said I had until XXXX, XXXX to either call or respond in writing disputing all or part of the debt or remit payment, however, they filed foreclosure 7 days from the date they typed the letter not even giving me the window they said i had to send them copies of receipts and explain my side before they filed foreclosure. The bank filed the complaint in bad faith and repeatedly admitted they were at fault and I was not actually past due, yet filed foreclosure and didn't correct THEIR mistake as promised. They have repeatedly not applied payments, not applied the correct amount, I was coerced into the loan in the beginning anyway and signed documents that were not completely filled out and the loan officer coerced me out of {$16000.00} of the {$26000.00} loan the day I signed the agreement. There are numerous issues with this bank, there are hundreds of customer complaints on XXXX website complaining of mishandling of money, not applying payments and not applying them properly, applying them to other people 's accounts, technology issues, being treated badly and unfairly, and every time the bank responds they never apologize, they never take accountability for their wrong doings and put the blame entirely on the customers, when their website clearly states that they offer protection and say that if they don't apply money correctly or at all they are 100 % liable, yet they are wrongfully foreclosing because of their mistake. I can't afford a lawyer and have to fight this myself and pro se rarely ever win in court regardless of what the laws are. There are all of these laws and rules and here XXXX XXXX has violated numerous ones and are trying to steal my property. If you take the payoff quote they provided of {$29000.00} and subtract the {$11000.00} paid then subtract the {$16000.00} the loan officer swindled me out of and the {$2200.00} I paid in XXXX the bank actually owes me $ XXXXThis is getting ridiculous with what they keep putting my family through. I have sold everything of value and made extra payments to try to rectify the issue way before they ever threatened foreclosure in XXXX and my payments are not being recorded. They claim I haven't made a payment since XXXX, that is 100 % false and a bold face lie. I am beyond irritated now, all of the stress is making us sick and causing health problems, serious health problems and just forwarding someone's complaint to the company doesn't accomplish anything. What good are the laws if there isn't going to be an outside source actually investigating? XXXXXXXX XXXX prints out the receipts at the branch, I don't know how any amount of computerized documents can trump actual receipts. Of course the computerized documents are going to say what they bank wants them say, it's their program and they manually input the information. The payment history XXXX asked for shows XX/XX/XXXX that payment was applied to my account the XXXX or XXXX and I walked into the bank Saturday the XXXX with cash and paid it. They can't so that! They are required to post it the day they receive it. If they can print out a receipt dated XX/XX/XXXX with amount due, amount paid, and acct number then there is no reason my account shouldn't reflect that payment right then, yet they clai8m payment was received that day. It's not right that just because it's a bank and they say oh no, here look, and it's golden and the truth and the customer is wrong! I had the dang receipts from XXXX XXXX themselves! It's because of XXXX like this that people like me end up homeless and on the streets. They have XXXX care and total disregard for how their fraudulent behaviors and practices are impacting people 's lives. During COVID I had asked for forbearance they said no, I asked for deferment, they said no, they said POSSIBLY a loan modification would help, said they would mail a loss mitigation packet, i never got it, I did more than call once or twice. I have called a couple different XXXX numbers, the stow branch and XXXX branch, emailed, even 's emailed their senior VP 's. I got a response from XXXX XXXX 's office and I just finished emailing him an update and letting him know we had a phone status conference on XX/XX/XXXX and we have a pre trial phone conference scheduled for XX/XX/XXXX. I have thousands of pages of complaints, even from XXXX from former and current XXXX XXXX  employees complaining of how they treat customers and employees and how they mishandle money and payments and steal from customers. There were 5 people arrested and charged for fraud and stealing from customers, recently!!! XXXXXXXX XXXX has settled some lawsuits out of court and forcing people to sign NDA 's. Way too many banks these days are ripping consumers off, and yet there are so many laws that are supposed to protect consumers yet no one does. Something is wrong with that picture, seriously! Lawyers aren't required to offer discounted or sliding scale rates or on a contingency rate, they claim to offer free consultations, however, when you call and start to explain your situation they cut you off and spend the whole time trying to convince you why you need an attorney and why it should be them, but the moment you tell them you have XXXX money they simply say they understand followed by if you change your mind or find the cash call us back. I can't find anyone to help defend my case that doesn't want {$1600.00} up front. I have nothing left to sell to give the bank and haven't been able to afford to get my water turned back on!","date_sent_to_company":"2024-05-09T21:59:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"443XX","tags":null,"has_narrative":true,"complaint_id":"8972194","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-09T21:59:41.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Lawyers aren't required to offer discounted or sliding scale rates or on a contingency rate, they claim to offer free consultations, however, when you call and start to explain <em>your</em> situation they cut you off and <em>spend</em> the whole time trying to convince you why you need an <em>attorney</em> and why it should be them, but the moment you tell them you have XXXX <em>money</em> they simply say they understand followed by if you change <em>your</em> mind or find the cash call us back."],"issue":["<em>Problem</em> with a company's investigation into an existing <em>problem</em>"],"sub_issue":["Their investigation did not fix an error on <em>your</em> report"]},"sort":[10.230688,"8972194"]},{"_index":"complaint-public-v1","_id":"3584415","_score":10.022146,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I purchased a Netspend PrePaid Debit card with a deposit of XXXX. \nMy intention was for a single use. On XX/XX/XXXX I used the Netspend PrePaid Debit Card to pay XXXX payment to XXXX XXXX XXXX. XXXX XXXX XXXX could not get an authorization for the transaction although indicated to me it had gone through. They returned to card to me. As previously stated, I never had any intention of opening or maintaining any account with Netspend. I  never activated the account cards they sent me, as far as I was concerned my business with them was complete. When my XXXX Social Security Deposit was made to my PayPal Prepaid Mastercard, 1 month and a half later, I am unable to use my funds. It is at this time I find out that A ) Paypal in in cahoots with Netspend and Netspend had come across to all of my paypal accounts including my Paypal Prepaid Mastercard locking them. When I call to find out what was going on I am told I owe XXXX. Impossible, I go on to find out that XXXX XXXX XXXX Force Posted XXXX on to a XXXX prepaid Debit card to which NETSPEND Authorized. Now, a month and a half later, they come knocking on my door, freeze my Prepaid Mastercard which held all of my Social Security Money telling me I was going to pay them that money. That email is attached - I didn't take kindly to them threatening me that they would shut down all my accounts if I didn't pay the {$740.00} The whole point of a PREPAID card to to avoid overdrafts, overdraft fees or charges. Yet Netspend seems to think differently. I don't know of a single bank account or credit card account would allow someone to overdraft a XXXX account by 300 %! Having had another situation with them regarding another prepaid card I purchased at the same time in XXXX, I reached the end of my rope. I submitted the following letter, filed a complaint with the XXXX  demanding they retract the approval for XXXX immediately. I never authorized that, I never approved it, I never even knew about it. I bought a freaking PREPAID DEBIT CARD THAT IS ONLY GOOD FOR THE AMOUNT OF MONEY ON THE CARD! \n\nTwo days ago I received a letter and a bill from XXXX XXXX XXXX   for {$1100.00}, indicating that the bank had rescinded the authorization. The date alarmed me because it was before XX/XX/XXXX and this is the XXXX of XXXX and I have yet to receive the original XXXX deposit I had on the card. I immediately start combing through my emails to find an email sent to me on XX/XX/XXXX with a bunch of gibberish that suggested I may or may not get my original XXXX back. I will file a lawsuit against them if this is now the game they are playing. They take people 's money as if it belongs to them They place irrelevant holds on money putting people through hoop after hoop after hoop. At the end of the day - NETSPEND authorize a 300 % overdraft on a XXXX prepaid card. Not once did they catch it, contact me, stop the transaction, find suspicion because of the ungodly  amount. Not ONCE did they protect me, their supposed \" customer ''. Instead they approve such an egregious transaction and them try to make me pay for it. When I refuse and demand they cancel that approved transaction, they apparently do while continuing to HOLD MY MONEY! Any prepaid debit card company advertises no overdrafts, no fees. The definition of a PrePaid Debit card is the card is good for the amount of money loaded to it. Not according to Netspend. THIS COMPANY NEEDS TO BE SHUT DOWN! \n\nBelow you will read the first letter I sent them when I found out they had my Social Security Deposit., Per their request. I am also attaching the email correspondence from the person who is sitting on my XXXX 3 weeks after they reversed the transaction jabbering some 20 day XXXX for per a customer agreement. I told him I AM NOT HIS CUSTOMER. I never activated the card they sent me to replace the one from the gas station. I want my XXXX NOW! and I want some action taken against these crooks. I am XXXX years old, XXXX on a fixed income and this company is a bottom feeder on people like me and people who don't have bank accounts. Usually it's because they are poor. \n\nI have subsequently closed all PayPal accounts except the last remaining until I verify the transfer of my Social Security Deposit to another institution. Where I never had a problem with paypal and have used them for 7 or 8 years, the meer fact they have brought Netspend into their business cost them their business with me. \n\nI will keep taking what ever action I have to to get my money. Now with the nation in crisis, idiot companies like this see it as an even better opportunity to steal, take, hold, money that does not and never did belong to them. \n\nSincerely, XXXX XXXX XXXX after XXXX XXXX CST attachment groups - My initial response to them when I couldn't access my Social Security in XXXX, and Netspend 's email exchange before and after I find out through XXXX  - NOT NETSPEND that they reversed the charge. \n\nIf you are unable to see the message below, click here to view. \nNetspend Email Security Information : Email : XXXX Update Card Ending : XXXX Dispute Claim Confirmation Account Number : XXXX Claim Date : XXXX XXXX CST Claim Number : XXXX Claim Amount : XXXX Dear Valued Cardholder, Thank you for reporting this transaction error. We have opened a dispute claim for you. Your claim number is XXXX and should be used for future reference. \n\nWe will begin your investigation promptly. We will attempt to complete the investigation within 10 business days ( or 20 business days if this is a new account ). If we need more time we may take up to 45 calendar days to complete the investigation. For errors involving a new account, a point-of-sale transaction, or a foreign-initiated transaction, we may take up to 90 calendar days to investigate your claim. If we determine more time is needed, we may issue a temporary credit so you have use of your funds during the investigation. \n\nIf you wish to be eligible for a provisional, or temporary, credit to your account while we complete our investigation, you will need to send us a written notice of your dispute within the next 10 business  days. The written notice should include your name, account number and claim number ; transactions you believe are in error ; and the dates when the errors occurred. If we do not receive your written notice in the next 10 business days, we are not required to provisionally credit your account while we complete our investigation. Please note that for new accounts, we have up to 20 business days to provisionally credit your account. \n\nAdditionally, you may provide other information that you think would be helpful to our investigation - such as a police report, cancelled transaction receipts, or a copy of your agreement with the merchant. The written notice and any additional information should be sent to XXXX or faxed to XXXX. Please include your claim number & account number with all correspondence. \n\nIf we do not receive the written notice or any additional information from you, we will complete our investigation with the information we have available to us. \n\nThe results of the investigation will be sent to you in writing within 3 business days of completing our investigation. \n\nThank you for your patience as we investigate your claim. \n\nIf you have additional questions, please contact the NetSpend Customer Service Department at XXXX during normal business hours. \n\nSincerely, NetSpend Dispute Resolution Department XXXX. XXXX  XXXX XXXX, TX XXXX This message was sent to you because of changes, updates, or transactional activity on your Netspend Prepaid Card Account. Netspend is required to send you such notifications regardless of your unsubscribe status. Please do not reply to this message. \nNetspend.com | Privacy Policy | Update Email To ensure inbox delivery of Netspend Card emails, add XXXX to your contacts. \n\nThe Netspend Visa Prepaid Card is issued by XXXX, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Netspend , a  XXXX XXXX , is a registered agent of XXXX  . Card may be used everywhere Visa debit cards are accepted. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details. \n\n& copy XXXX XXXX XXXX XXXX, XXXX All rights reserved worldwide. XXXX and Netspend are federally registered U.S. service marks of XXXX XXXX XXXX , XXXX All other trademarks and service marks belong to their owners. \n\nNetspend XXXX. XXXX  XXXX, XXXX, TX XXXX The letter I sent when I find out I have no money - It was emailed XX/XX/XXXX to PayPal and to Netspend : Account Number : XXXX Claim Date : XXXX XXXX CST Claim Number : XXXX Claim Amount : XXXX Inbox x XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX  to disputedocuments, me Re :  Account Number : XXXX Claim Date : XXXX XXXX CST Claim Number : XXXX Claim Amount : XXXX To Whom It May Concern, This letter was just sent to PayPal and will be sent shortly to all the names listed below. \n\nHere is some VERY important information that you should take very seriously - I will be sending this same information to the folks at Netspend as well. Once I do that, I will be taking all the information surrounding the freezing of my PayPal Prepaid Mastercard Account and the other accounts affiliated with the account to : 1. Social Security Administration 2.The Consumer Finance Protection Bureau 3 . National Consumer Law Center, Washington DC 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. State of Wisconsin Office of Attorney General 7. The Department of Financial Institutions - Division of Banking Why? Because the  PayPal Prepaid Mastercard Account olds my Social Security Income and my Social Security Income is EXEMPT ACCORDING TO FEDERAL LAW FROM BEING WITHHELD, GARNISHED, LEVIED under ANY circumstances by ANYONE with the exception of the Federal Government and Child Support. Second to that is Netspend nor PayPal followed ANY of the procedures stated by law necessary before simply locking me out of any source of income whatsoever. Thirdly, Netspend 's reason for doing this is nothing more than a continuation of unethical, unprofessional and unprincipled business practices. By illegally authorizing a rental car company to force post {$1100.00} on to a prepaid debit card containing a {$500.00} balance in XXXX. A transaction I knew NOTHING about until yesterday and a transaction I never approved nor authorized. Netspend, a company becoming fastly known as disreputable, never once notified me of a 300 % overdraft on a {$500.00} prepaid debit card intended for one use. NEVER! Instead they have snuck around the last several weeks slowly cutting access off to all of my PayPal accounts, my XXXX XXXX and as of yesterday, I find my MAIN account, my Paypal Prepaid Mastercard Account LOCKED. This account receives my Social Security Deposit EVERY SINGLE MONTH! As a result of this stunt, I have NO money, my rent check bounced today, I've two bills that have already bounced with a slew more lining up. This will damage my credit. Currently I don't even have a XXXX  to go buy milk, if milk cost a XXXX. I am in need of food for my XXXX animals, medications for myself and the right to continue living like anyone else in this world does. \n\nWhy? Why would ANYONE approve a 300 % overdraft on a prepaid debit card that has been registered less than an hour. WHY? WHY would anyone approve a prepaid overdraft of that magnitude in the first place ANYWAY? WHY, WHY did Netspend not contact me immediately after the transaction occurred? WHY? Why did/does Netspend think I'm the one who is supposed to pony up to someone's authorization of such and egregious amount, not to mention action. WHY, WHY did Netspend not see red flags and fireworks or when they DID see the red flag and fireworks, protect me - ME their customer? WHY, WHY am I being chased for a transaction I did not know about much less authorize? WHY? Does the Prepaid Debit Card not have Visa 's Zero Liability Coverage? If it does, WHY is Netspend trying to get money out of me? WHY didn't Netspend reverse a charge of that magnitude IMMEDIATELY? WHY? More importantly, WHY was it let through to begin with? WHY, WHY didn't PayPal due their DUE diligence by seeing the fact my account was/is exempt from this unprofessional activity by virtue of the fact it contains GOVERNMENT BENEFITS! WHY? Doesn't anybody do their jobs anymore? WHY, WHY did neither company comply with the laws surrounding the freezing of someone's bank accounts? WHY? They had/have a legal obligation AFTER receiving a notice of garnishment ( which never existed ) or notice of Judgement from a court ( which never existed ) to provide me with the results of it's review! The law clearly states that my accounts can not be frozen without a court order. PERIOD. May I remind you here that I DID NOT HAVE A SINGLE CLUE  ANYTHING HAD OCCURRED - NOT A SINGLE CLUE SOME FOOL MANAGED TO OBTAIN {$1100.00} off a {$500.00} Prepaid Debit Card. Moreover, it was also PayPal 's job aside from informing me of some sort of court order, but the date the order was received, a brief explanation of the garnishment, an explanation of PayPal 's responsibility to protect my federal benefit payments that are direct deposited during the look back period and keep them accessible to ME. ( Yes, PAYPAL and NETSPEND need to learn a lot here! ). PayPal and Netspend, particularly PayPal was supposed to protect my account. PayPal DID NOT. I have been locked out of this account along with my PayPal accounts for some time it would appear. As far back as XX/XX/XXXX when I woke up to a strange email message that someone has cancelled their billing agreement with XXXX. It was odd and I had begun having trouble logging in to that account around the same time. Then within the last 10 days I get another strange email telling me my Prepaid MasterCard for THIS account was no good and couldn't be used in XXXX XXXX. NOW I am growing concerned over these odd occurrences. Jump forward to this weekend and everything becomes apparent starting with my intent to list auctions on XXXX - The email address I had formerly used at PayPal to get paid wasn't any good. Then I see a hold on my XXXX XXXX XXXX XXXX  XXXX PayPal account, followed by coming to this ( my PayPal Prepaid Mastercard account ) after 4 attempts to make an online purchase Friday night was declined with a XXXX balance in the account. My anxiety over this series of events started mounting. It wasn't until I spoke with PayPal yesterday, that the entirety of Netspend 's deceptive practices came to fruition. Out of know where I am told I owe Netspend 700+ dollars from another account!! I don't HAVE a Netspend Account. I ask myself how is this possible, I used a XXXX PREPAID card. \n\nAccording to Netspend 's website, and disclosure notice : 1 ) your account is LIMITED to the funds you have loaded on the card. 2 ) You may not exceed the available amount in your Card Account through and individual transaction or a series of transactions - unless WE DECIDE ( meaning you- NETSPEND ) in our sole discretion, to approve such transaction ( s ) and that is only true if you have qualified for \" Purchase Cushion Coverage ''. 3 ) If you do not have enough funds in your account you can instruct a merchant to conduct a split transaction. If you fail to inform the Merchant that you want to do this, your card is likely to be declined. 4 ) In bold letters No OVERDRAFT/Credit Feature. 5 ) If you meet our eligibility requirements, we may authorize negative balances resulting from PIN-based and signature based transaction initiated through our third party bill pay service providers ... .... you may receive only one XXXX negative balance allowance at a time.  Negative balances are approved at our discretion on a per transaction basis. We approve ... .on our authority ... ... ..if we decide, if we authorize ... ... ... That's prevalent throughout your paperwork. No Credit. No Overdrafts, Spend only what's on the card followed by any and everything happens with your approval or authorization which leaves me to ask, WHO THE XXXX THEN, AUTHORIZED AN {$1100.00} CHARGE AGAINST A {$500.00} PREPAID LESS THAN AN HOUR OLD DEBIT CARD? then did NOTHING to protect much less notify AT ANY POINT along the way, me, your customer. \n\nWhy is a prepaid debit called a PREPAID Debit card if ANY amount can be taken off it while XXXX  the individual who owned it. WHY? What is the point of the XXXX card? I intended for the card to be used ONE time and one time only. The merchant was having trouble getting her computer to accept the forms of payment and finally after much struggling said she got it through but did not get any authorization. She handed me back the card, told me the number of the debit card was on file in the system. She furthered her statement by saying she had XXXX  out the contract so the car could be re-rented however she would get in trouble for doing so but she had to clear the car for rental and things would need to be continued. She KNEW the card had a XXXX maximum limit. Unintending any further usage of the card, I had no reason to check it. I cut it up, disposed of it and did not activate the printed version of the card that came to my home. \n\nWhat concerns me all the more is Netspend blocked another card I purchased within 24 hours of my purchasing it insisting on more intensive proof I was who I said I was. It took me weeks of fighting to get my money back, and not without incurring financial problems, unpaid rent, forced to travel with no money, exacerbated health issues and countless hours of no sleep while doing just what I am doing now - fighting to not get ripped off ONCE again. Netspend, the company who put me through identity XXXX just a mere 6 weeks  ago authorized someone to come in an overdraft another card by 700 + dollars, doing nothing about it, other than 6 weeks later illegally intercepting my Social Security XXXX Income bank account, cut off any and all access I had to get any money by blocking all my paypal accounts followed by now attempting to extort the overdrafted amount THEY caused, out my my own funds. \n\nHow disgraceful is it for a corporation to have XXXX complaints registered with the XXXX XXXX XXXX over the last 3 years. How disgraceful is it for a corporation to be plastered all over the web as the only company to take great steps to fight the placement of the Consumer Financial Protection Bureau 's PrePaid Debit Card Law ( April 2017 ) designed to protect consumers from any hidden terms or overdraft fees on prepaid cards. How disgraceful are you to pay hundreds of thousands of dollars to solicit political favors from the Republican party so in term you could use them as a way of getting rid of it. Some would call that a quid-pro-quo wouldn't they. \n\nBottom line, Netspend NOR PayPal should have EVER Frozen/locked ANY of my accounts. And the process by which they chose to do so clearly violates my rights and the law. \n\nMy Social Security is protected by the Federal Government! therefore, PayPal/Netspend has until XXXX XXXX today, XX/XX/XXXX to restore complete and full access to my accounts - ALL my accounts, including access to my money or all XXXX is going to break loose because I will go to any and every source I can, any source I think may have a hand in restoring access to my GOVERNMENT PROTECTED ACCOUNTS followed by any source that will take action to stop this unprincipled behavior against any other individuals and any source that will advise and assist me in the filing of charges against Netspend and any other parties deemed involved for damages I have sustained from Netspend 's unprofessional, shady and self servicing practices since XXXX of XXXX. You should be advised that this letter will be distributed to all parties listed above, not just PayPal and Netspend and will be done almost immediately after I sign it. \n\nVery truly yours, XXXX XXXX XXXX XXXX After XXXX XXXX \n\n\nThis was also sent to the XXXX  : XXXX  Complaint Case # XXXX ( Ref # XXXX ) Inbox x XXXX XXXX XXXX   <XXXX> Tue, XX/XX/XXXX, XXXX XXXX to me Complaint ID # : XXXX Business Name : PayPal , Inc . \n\nThank you for contacting XXXX. Your complaint was received by XXXX  on XX/XX/XXXX and has been assigned case # XXXX our files. Please make a note of this number for future reference. \n\nYour complaint has been applied to the following business : PayPal , Inc . \nXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The case has been reviewed and has now been forwarded to the business for their response. This business has until XX/XX/XXXX to respond to your complaint. You may contact our office after XX/XX/XXXX to check the status of your complaint. \n\nWe encourage you to use our ONLINE COMPLAINT system to keep up with the progress of this complaint. To view the details of your case please go to the following website address : http : XXXX. \n\nSincerely, XXXX XXXX Complaint Specialist XXXX  Complaint Department This is the first response from Netspend : On XX/XX/XXXX, at XXXX XXXX, Corporate Customer Response Team <XXXX> wrote : >> >> Account Reference Number : XXXX and XXXX >> Dear XXXX, >> Hello my name is XXXX and I am part of the Presidents Corporate Response Team. I will be assisting you any concerns or questions you may have. \n\n\n>> The reason that your account is overdrawn {$730.00} is because XXXX XXXX force posted a transaction on to your account. Since the merchant has obtained your card number, the merchant can sometimes force a transaction to post ( collection ) on your account. In the event this happens, we can open a dispute or you can contact the merchant to resolve the agreed payment. \n\n\nDo keep in mind that the block has been removed from your account ( XXXX ) however, our team can potentially close all your accounts if this balance is not paid. \n\n\n>> If you have additional questions or concerns, please do not hesitate to contact me at the phone number below. \n\n\n>> Thank you, XXXX XXXX Sr. Customer Experience Analyst Netspend, a XXXX XXXX XXXX, TX Office : XXXX Hours : Monday- Tuesday : XXXXXXXX XXXX to XXXX XXXX CST Thursday- Friday : XXXX XXXX to XXXX XXXX. CST Confidentiality Notice! This electronic transmission and any attached documents or other writings are confidential and are for the sole use of the intended recipient ( s ) identified above. This message may contain  information that is privileged, confidential or otherwise protected from disclosure under applicable law. If the receiver of this information is not the intended recipient, or the employee, or agent responsible for delivering the information to the intended recipient, you are hereby notified that any use, reading, dissemination, distribution, copying or storage of this information is strictly prohibited. If you have received this information in error, please notify the sender by return email and delete the electronic transmission, including all attachments from your system. \n\nThis is the last correspondence between myself and Netspend as of today - Important Account Information XXXX  XXXX XXXX Ref. #  XXXX << Reference ID : XXXX >> Inbox x NETSPEND RIP OFF x Corporate Customer Response Team <XXXX> Wed, XX/XX/XXXX, XXXX XXXX  to me, XXXX, XXXX Dear XXXX XXXX Although I have been unable to speak with you, I wanted to follow up on your dispute claims. \n\n1. When investigating dispute claims reported by our cardholders, we adhere to the processes as defined in both Regulation E and in Netspend cardholder agreements that our customers receive when opening an account. We have reviewed your claims and have determine they are being handled correctly. \n\n2. The dispute claim XXXX was opened on XX/XX/XXXX. The claim will be updated on XX/XX/XXXX. The update timeframe for a new account is twenty business days. The letter of dispute must be received in the first ten business days for you to be eligible for provisional credit. \n\n3. The letter of dispute has been received for the claim XXXX. \n\n4. Due to the large negative balance on account XXXX, ( {$730.00} ), our Recoveries Team blocked your other Netspend accounts on XX/XX/XXXX. Those blocks were removed after you opened the dispute claim. \n\n\nIf you have any further questions or concerns, please feel free to contact me at the number below. \n\n\nThank you, XXXX XXXX XXXX Customer Experience Specialist Netspend a Global Payments Company XXXX XXXX Confidentiality Notice! This electronic transmission and any attached documents or other writings are confidential and are for the sole use of the intended recipient ( s ) identified above. This message may contain information that is privileged, confidential or otherwise protected from disclosure under applicable law. If the receiver of this information is not the intended recipient, or the employee, or agent responsible for delivering the information to the intended recipient, you are hereby notified that any use, reading, dissemination, distribution, copying or storage of this information is strictly prohibited. If you have received this information in error, please notify the sender by return email and delete the electronic transmission, including all attachments from your system. \n\n\nXXXX XXXX <XXXX> Wed, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to Corporate I received a bill from Budget to the tune of {$1100.00} with a letter stating you rescinded approval for the charge they placed on account XXXX. Where is the original {$500.00} I paid for and put on that card on XX/XX/XXXX? Why hasn't it been returned to me? XXXX XXXX letter is dated XX/XX/XXXX which means you reversed the charges prior to XX/XX/XXXX. Today is XX/XX/XXXX. Do I need to file more complaints with the XXXX  and The Consumer Financial Protection Agency, The Wisconsin Department of Agriculture, The Federal Trade Commission and the State of Wisconsin Attorney General 's Office? That money should have been returned to me immediately once you rescinded the force post XXXX did to that account without my authorization, approval or knowledge. You have until Friday to get my money returned to me or I will begin contacting all the agencies listed above. \n\nSincerely, XXXX XXXX XXXX XXXX <XXXX> Wed, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to Corporate One last thing - I do NOT have any accounts with you. I purchased 3 cards for ONE time use. I have not activated any permanent card ( s ) you sent me nor do I intend to. I have never had an account with you - I have only purchased your prepaid gift cards for a single use. Therefore please stop referring to my having an account with you like it's ongoing and we have some sort of relationship - it isn't, it never was. I have subsequently closed all my PayPal accounts except one which will also be closed once my Social Security Deposit hits my new bank accounts. Because of your business practices,  PayPal lost a customer of 8 - 10 years. I will not do business with any company associated with you in any shape or form whatsoever. Stop holding money that isn't yours to hold, at least that's what your email suggests by some claim updates by XX/XX/XXXX ... .and 20 days something or other for account holders. Let me repeat myself - I DO NOT HAVE AN ACCOUNT WITH YOU. If my money hasn't been refunded by XXXX  Thursday night, XX/XX/XXXX, I will proceed with the filing of this entire fiasco to the appropriate state and federal agencies already mentioned in my prior email. \n\nSincerely, XXXX XXXX I want my money NOW - enough of this crooked company! Someone needs to please put them out of business!. \n\nThank you, XXXX XXXX","date_sent_to_company":"2020-03-28T09:42:54.000Z","issue":"Problem getting a card or closing an account","sub_product":"General-purpose prepaid card","zip_code":"53214","tags":null,"has_narrative":true,"complaint_id":"3584415","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2020-03-28T08:20:06.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble closing card"},"highlight":{"complaint_what_happened":["It took me weeks of fighting to get my <em>money</em> back, and not without incurring financial <em>problems</em>, unpaid rent, forced to travel with no <em>money</em>, exacerbated health issues and countless hours of no sleep while doing just what I am doing now - fighting to not get ripped off ONCE again."],"issue":["<em>Problem</em> getting a card or closing an account"]},"sort":[10.022146,"3584415"]},{"_index":"complaint-public-v1","_id":"2791427","_score":9.921885,"_source":{"product":"Checking or savings account","complaint_what_happened":"In XX/XX/XXXX, My Grandma and my aunt ( which is my grandma 's power of attorney ) went to get a couple CD 's ( certificate of deposits ) from my grandma 's safety deposit box in the XXXX Wells Fargo branch, where her and her husband have banked for over 50 years. She pulled three certificates from the box and went to check with a bank teller to see if they were still valid. They said 'YES, they are still valid and you can cash them at any bank location.I currently hold this certificate in my hands. \n\nMy grandma send me my certificate knowing that I could cash it. I visited a local Wells Fargo branch here in Utah : XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. I spoke with a XXXX and a XXXX XXXX. His number is XXXX. They told me they could n't find any record of this certificate that I have. We called Wells Fargo Unclaimed Property ( at XXXX ) and they did n't have any information. We then called Iowa XXXX XXXX ( at XXXX ) and they did n't have any information either. I left the bank with no forward information from that point. \n\nThe situation that is difficult is the certificate was bought in XXXX XXXX in XX/XX/XXXX. Wells Fargo bought out XXXX three months after the certificate of deposit was purchased. We were never issued a new certificate but we were 'given ' a new certificate number on my grandpa 's XXXX tax forms. \n\n3. \nI then contacted the XXXX Wells Fargo branch and spoke with : XXXX XXXX XXXX Personal Banker XXXX XXXX XXXX. \nXXXX XXXXXXXXXXXX I sent a photo of the certificate to him via email and he said he would look into it. He sent me this email on XX/XX/XXXX : 'As I  mentioned over the phone, I sincerely appreciate your patience while I work to provide you and your family with a resolution regarding your savings certificates. I have received word back from the Wells Fargo department that has been researching these certificates. Unfortunately, they were unable to uncover any additional information regarding these certificates. It appears as though the only documentation that they had ever existed is essentially the physical certificates themselves. As Wells Fargo follows record retention regulations, we do not have record of the initial purchase of these certificates - nor the current value of them. This is precisely why I am reaching out to another department to assist in verifying the current value of these certificates, in order to provide you with a resolution. This will take additional time, as this is a very unique and complex inquiry. Once again, I appreciate your patience in this matter, and I assure you that I will continue to work diligently to provide you and your family with a resolution as soon as I possibly can. Thank you so much for your time. \n\nXXXX XXXX XXXX Personal Banker Registered II Retail Banking Wells Fargo | XXXX XXXX XXXX | XXXX, IA XXXX XXXX XXXX Tel XXXX | Fax XXXX XXXXXXXXXXXX ' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 4. I then replied with this email on XX/XX/XXXX : 'Dear XXXX , From your response below, you are telling me exactly the same thing you told me and my aunt ten days ago, that you do not have to keep records beyond seven years and therefore you have no record of this savings certificate and therefore you cant cash it. Well I do have record of itthe original savings certificate which I presented to Wells Fargo. So, in essence, you are telling me that I can invest my hard earned money into some type of investment with Wells Fargo and seven years later, Wells Fargo can throw their records away and keep my money even though I still hold the original savings certificate? That seems not only criminal, but also highly ridiculous since people invest money long term every day. \n\nAs for this being a very unique and complex inquiryI beg to differ. If you spend a few seconds on the internet, you can find other people who have experienced this same issue with Wells Fargo ( i.e., XX/XX/XXXX XXXX XXXX savings certificate for {$18000.00} issued XX/XX/XXXX and XXXX XXXX XXXX grandson of XXXX XXXX savings certificate for {$32000.00} issued in XX/XX/XXXX ) in which Wells Fargo told them the same thingshall I go on? Additionally, my grandparents, are also dealing with you on this very same issue for two other savings certificates that they purchased along with mine from the XXXX, Iowa branch in which these savings certificates remained in their safety deposit box until a few days ago. \n\nSince my grandmother and my aunt verified that this certificate was valid with two bankers at the Wells Fargo XXXX, Iowa branch before mailing it to me and were then given the current value of the certificate and were told I would be able to cash this at any bank in Utah if they mailed it to me, it seems highly suspicious that nobody at Wells Fargo is now able to verify the value of this when it had a value less than 30 days ago. \n\nMy grandfather purchased my savings certificate and my sisters savings certificate along with other investments from other financial institutions from insurance money he received when my mother was XXXX in a car accident when I was XXXX years old. All of the other financial institutions have honored investments that were over seven years old and had record of those investmentsnot sure why Wells Fargo doesnt! \n\nI am highly disappointed, as I was led to believe you were going to have this resolved in 10 days. This has left me in a very difficult situation financially, as I was depending on having that money the day I received the certificate from my grandmother. \n\nCan you please provide me with the name of the department and/or person within Wells Fargo, along with their contact information, who is now trying to resolve this problem? Also, can you tell me how long I should expect to have to wait before getting a resolution to this? \n\n-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 5. \nI got no response from him until XX/XX/XXXX when he called me to tell me that the only thing they found was that it had been cashed out. He could not tell my by whom and when. He said, 'I do not have that information. ' You can imagine my frustration of the situation I am in. I am HOLDING the certificate in my hands and he is telling me that it has been cashed out when you NEED the actual certificate itself to do so. I then replied to him on XX/XX/XXXX : 'XXXX , I am replying to you though email. \n\nI am frustrated because you are saying that this CD is cashed when I personally hold my certificate in my hands when it is needed to do so. It says on the back of the certificate itself that it needs to be presented to be cashed. \n\nPlease provide me with the information of the department that you said you got this information from so I can get the \" cashed date '' from them and proof of endorsement. \n\nIf I need to file a complaint with this department, who should I send it to? \n\nXXXX XXXX ' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I got no response from him. \n\n6. I spoke with a XXXX XXXX from the XXXX Wells Fargo Branch. \nXXXX XXXXXXXXXXXX She explained the same results. Saying 'There are a lot of people working on this issue and I ca n't tell you which department to send you to. We ca n't do any futher action until I receive a hand written note from you explaining what you want to happen. ' 7. \nI then called Wells Fargo Customer Care at XXXX and spoke with a XXXX XXXX. He gave me a case number of # XXXX. He took a couple days to look into it but came with the same answer -- they could n't find any record of it and it was past the 7 years that they can hold date/information. \n\n-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I am now at this point where I can contact the FDIC because the certificate is insured. I will mention that as I am trying to get MY certificate resolved, my XXXX year old grandmother has one and my sister hold one as well. All issued by XXXX XXXX in XX/XX/XXXX. The FDIC/OCC did n't accomplish anything. The bank just sent a letter back saying the excact same thing. \n\nI would like to CASH the certificate of deposit and get the money that is deserved in relation to the interest rate of the certificate. My grandparents KNOW and have papers showing that they 've paid the yearly fees to keep it in the bank and they KNOW they have n't cashed it. \n\nI would like for the bank to stop sending me around in circles and NOT finding a solution to the problem.","date_sent_to_company":"2018-01-23T17:12:23.000Z","issue":"Managing an account","sub_product":"CD (Certificate of Deposit)","zip_code":"84128","tags":"Servicemember","has_narrative":true,"complaint_id":"2791427","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-01-23T16:38:13.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits or withdrawals"},"highlight":{"complaint_what_happened":["I would like to CASH the certificate of deposit and get the <em>money</em> that is deserved in relation to the interest rate of the certificate. My grandparents KNOW and have papers showing that they 've paid the yearly <em>fees</em> to keep it in the bank and they KNOW they have n't cashed it. \n\nI would like for the bank to stop sending me around in circles and NOT finding a solution to the <em>problem</em>."]},"sort":[9.921885,"2791427"]},{"_index":"complaint-public-v1","_id":"7001193","_score":9.827714,"_source":{"product":"Mortgage","complaint_what_happened":"FHA/HUD/CARDINAL FINANCIALXXXX XXXX XXXX  ERROR LEAVES SINGLE MOTHER OF XXXX FACING FORECLOSURE AND {$100000.00} REPAIR BILL FORCING THEM TO LIVE IN UNINHABITABLE HOME FOR TWO YEARS.\n\nIn XXXX  of XXXX, I left my diagnosed XXXX husband and my financially, verbally, and emotionally XXXX  marriage, and filed for divorce. My XXXX children and I lived in a two bedroom apartment for 2  years while I rebuilt my credit that was destroyed by my ex husband in order to purchase a home for us. In XXXX of XXXX I purchased a home in XXXX XXXX, Texas using a FHA loan in hopes of rebuilding a life for my kids and I. \n\nFHA : When an FHA loan is being used, the appraiser has two objectives. The Department of Housing and Urban Development ( HUD ) requires him to determine the current market value, as with any appraisal. But they also require a property inspection to make sure the home meets HUD 's minimum standards for health and safety. \n4150.2 The appraisal process is the lenders tool for determining if a property meets the minimum property requirements and eligibility standards for a FHA insured mortgage. Underwriters bear primary responsibility for determining eligibility ; however, the appraiser is the on-site representative for the lender and provides preliminary verification that the General Acceptability Criteria standards have been met. \n\n\" FHA-approved lenders are obliged to apply to our underwriting standards, not only to protect our insurance fund, but to make certain families can sustain their mortgages, '' said Acting FHA Commissioner XXXX XXXX . \" Due diligence is at the root of mortgage lending protecting lenders, the FHA, and certainly homeowners from the prospect of foreclosure. '' In XXXX of XXXX we began having plumbing issues and in XXXX of XXXX I noticed an error in my appraisal that would have disqualified the home and the loan from funding. The appraiser used by Cardinal Financial marked my utilities as public water and sewer when in fact they are private water well and septic. Had it been marked properly Cardinal was required to ensure the following minimum property requirements per the FHA. \n\n6Does the report indicate that the water is private? If yes, does the appraiser provide a comment on the availability of public water and if the subject is required to connect? Also, does the appraiser comment if private utilities are common for the area and if there is any impact on the subject 's marketability?\n\n8Does the report indicate that the sewer is private? If yes, does the appraiser provide a comment on the availability of public sewer and if the subject is required to connect?\n\nIf also on private water, is there a comment noting if the subject meets the minimum FHA distance requirements from the well to the storage tank, drain field, and property? \nAlso, does the appraiser comment if private utilities are common for the area and if there is any impact on the subject 's marketability?\n\nThis was not performed, and the home does not and can not physically qualify. The costs to bring the property up to todays health and safety code are over {$100000.00} FHA WELL TO SEPTIC REQUIREMENTS ARE AS FOLLOWS. \n\nSeptic to well minimum XXXX distance this property is less than XXXXt Well to drain field minimum XXXX ft although they will allow a minimum of XXXX with a waiver this property is XXXXft FHA will accept the state/local distance requirements for well/septic systems as long as they are not less than XXXX  feet between the well and septic tank drainfield Well to property line minimum of XXXXft this property is less than XXXXft For properties that are served by wells, FHA loan rules now say, When an individual Water Supply System is present, the Mortgagee must ensure that the water quality meets the requirements of the health authority with jurisdiction . \n\n( a ) Requirements for Well Water TestingA well water test is required for, but not limited to, Properties : where the distance between the well and septic system is less than 100 feet.\n\n( Q ) Sewage SystemThe Mortgagee must confirm that a connection is made to a public or community sewage disposal system whenever feasible and available at a reasonable cost. If connection costs to the public or community system are not reasonable, the existing Onsite Sewage Disposal Systems are acceptable provided they are functioning properly and meet the requirements of the local health department. When the Onsite Sewage Disposal System is not sufficient and an off-site system is available, the Mortgagee must confirm connection to an off-site sewage system. When the Onsite Sewage Disposal System is not sufficient and an off-site system is not available, the Mortgagee must reject the Property unless the Onsite Sewage Disposal System is repaired or replaced and complies with local health department standards.\n\nPer Cardinal Financials website by definition a FHA appraisal is the following.\n\nWhat is an FHA appraisal? \nThe FHA appraisal process is unique in that the appraiser basically performs double-duty as both an appraiser and an inspector.\n\nWhen you use a Conventional loan to buy a house, your appraiser is mainly concerned about the current market value of the property. But when you use a federally-insured FHA loan , the appraiser has two objectives : Determine the houses value, and inspect it to make sure it meets minimum standards for health and safety set by the Department of Housing and Urban Development ( HUD ).\n\nThe real difference between the two is the level of inspection that HUD requires in order to fund the loan.\n\nIf the FHA appraiser flags certain issuespeeling paint, loose handrails, or other safety issuesthe loan is put on hold until theyre fixed. Thats not the case with a regular appraisal used for a Conventional home loan.\n\nNote they include FHAs minimum standards for health and safety.\n\nminimum standards for health and safety The FHA has put these minimum property standard requirements into place in order to protect lenders.\n\nRequiring that the property meet minimum standards protects the lender. It means that the property should be easier to sell and command a higher price if the lender has to seize it.\n\nAt the same time, this requirement also protects the borrower : It means they will not be burdened with costly home repair bills and maintenance from the start. In addition, with a fundamentally sound place to live, the borrower may have more of an incentive to make their payments in order to keep the home.\n\nWhat Are the FHA 's Minimum Property Standards?\n\nAccording to the U.S. Department of Housing and Urban Development ( HUD ), the FHA requires that the properties financed with its loan products meet the following minimum standards : Safety : The home should protect the health and safety of the occupants.\n\nSecurity : The home should protect the security of the property.\n\nSoundness : The property should not have physical deficiencies or conditions affecting its structural integrity.1 According to information found on the FHA/HUD official site , the lender is responsible for making sure a particular property lives up to local requirements and that community sewage systems are properly licensed and that said systems are \" adequate '' enough to service the property.\n\nThe reason this property can not physically qualify even with repair is the following again directly from Cardinals website under what if my home does not pass FHA inspection? The only alternative is a FHA XXXX loan aka a rehab loan which requires a minimum of 1 acre for properties with both a well and septic. This property is less than 1 acre and that is the reason a replacement system is so expensive for this property. There is physically not enough room for repair or replacement which is requirement number XXXX  in the checklist for well and septic waivers that was yet another requirement not performed prior to approval.\n\n5. Evidence that the system is working properly. And there is sufficient space for repair/maintenance. \n\n\nIt has been over a year and a half since I reported the error to XXXX XXXX and Cardinal. Rather than taking accountability for their error, I have been unable to pay my mortgage since XXXX of XXXX due to spending over {$30000.00} to date on maintenance and attorneys fees trying to prove liability. I had to take a {$9000.00} loan at a XXXX XXXX interest rate for the initial retainer. I also can not afford alternative living expenses while paying an attorney so my XXXX children and I are forced to live in an uninhabitable health hazardous home until this is resolved. \n\nMy kids and I have not had a safe, sound home in 2 years. We do not know if our water is safe due to it being less than XXXX from a source of pollution. There is raw sewage coming up my shower drains and running across my driveway. Not to mention I live on XXXX XXXX and this is an environmental hazard. Everything we own smells like mold. I have been put on XXXX XXXX medication due to not knowing if we will be forced to start over again. It is apparent their only strategy is to mentally and financially drain me to the point I am forced to give up pursuing them. \n\nDespite the following from the FHA handbook ; 4155.2 4.1.b Lender Responsibility for Appraisals Lenders, including sponsoring lenders, are equally responsible, along with appraisers, for the quality, integrity, accuracy and thoroughness of appraisals. The lender will be held accountable if it knew, or should have known, that there were problems with the integrity, accuracy and thoroughness of an appraisal submitted to FHA for mortgage insurance purposes. Lenders that submit appraisals to HUD that do not meet FHA requirements are subject to the imposition of sanctions by the HUD Mortgagee Review Board ( MRB ). \n\nXXXX XXXX from the FHA Home ownership department has stated that there was no way the lender could have known the actual source of the utilities since the appraiser marked them as public ( although it was listed as septic and well in the public XXXX and the appraiser took a picture of the water well storage tank included in the appraisal ) therefore they are not holding Cardinal accountable to their own rules and regulations, and Cardinal has taken that as they are not liable for their clients mistake leaving me holding an over {$100000.00} repair bill or to spend thousands facing the possibility of being homeless to pursue them. \n\nThe FHA also states the following which has not been done. \n\n\" Lenders must report to FHA all findings of fraud and material misrepresentations. Lenders must also report any material findings concerning the origination, underwriting, or servicing of the loan, that the lender is unable to mitigate or otherwise resolve. '' I have also found evidence below that Cardinal Financial forces appraisers to submit as is appraisals only.\n\nI recently did an appraisal for them for one property and called for a foundation inspection since I noticed a crack in the wall, and noticeable sagging on the first and second floors of the house. There was nothing out of the ordinary with the report otherwise. Cardinal came back 3 TIMES and forcefully told me \" we require as-is reports ''. So basically Cardinal Financial is just cancelling orders immediately once they find out the appraiser is not going to rubber stamp and ignore an obvious issue. they told me to change my report from subject to inspection to as-is and remove the concern about the foundation. they didnt want a cost to cure. They wanted an as is ignoring the problem. Wasnt about me not complying with a cost to cure or finding the value of a defect situation Weve had two AMCs recent that asks us to ignore the problems too. Wonder if it has to do with packaging the loans up and MBSs and some type of quality issue? Its completely wrong. The sad part is this -- if they find an appraiser who rubber stamps this, then the borrower could be out tons of money, I spoke with some of the other people at the old firm I used to work at and they confirmed that they have had issues with Cardinal in the past. One time Cardinal even asked one of their appraisers to change the effective date on a appraisal and when he refused they said \" we wont tattle ''. So you know what, good riddance. I'm glad I asked that they be taken off my client list. I don't need a shady *** client like that. I just spoke with an appraiser @ HUD. She said it does not matter what the report is for, if there is an FHA case number, the property does not meet HUD 's minimum property standards and the report is 'as-is ', this is in violation of FHA guidelines and ( at a minimum ) the appraiser is going to get a letter from HUD. She said she wouldn't touch this assignment with a XXXX foot pole. I've asked them to reassign. \n\nhttps : XXXX The FHA appraisal report guide says to complete AS-IS when, - there are no repairs, alterations or inspection conditions noted by the appraiser ; Meaning by Cardinal Financial only accepting `` as is '' appraisals, it does not allow the appraiser to notate any needed/required inspections aka subject to which wouldve been required had the appraiser marked well and septic. Therefore they are bypassing FHA requirements and passing all liability to the appraiser/borrower. Essentially telling the appraiser we do not accept a property that requires further inspection which they would only know after the assignment has been performed and if you want the assignment/to get paid change it from subject to to \" as is '' and assume all liability. \n\nOn XX/XX/XXXX I sent the following to the FHA along with the amendment to the sales contract notating the property was well and septic. \n\nI have not received any communication on the below information provided proving the lender Cardinal Financial was aware the property was on private septic and well. Not to mention the XXXX stated the same. You are creating a culture of irresponsibility by not holding your FHA lenders accountable to the rules you created. You are providing the loophole for the lender to get away with great harm to both the borrower and the appraiser as you will see below multiple questionable practices from Cardinal Financial persuading appraisers to \" look the other way '' as was done in my case leaving me and the appraiser holding an over XXXX bill. Cardinal has stated to me personally that \" the FHA has investigated the matter and have not requested any additional information. '' If the FHA does not care to hold them accountable then it falls on the borrower and appraisers liability insurance with zero consequence to them and at a cost of foreclosure to the home owner. \n\nAs of XX/XX/XXXX I have not received a response yet the FHA states Lenders are responsible to determine if any repairs will be required to meet HUD Handbook standards. Lenders are reminded they are responsible for the acts of their agents, including appraisers When lending to low- and moderate-income borrowers, lenders are expected to use professional judgment and rely upon prudent underwriting practices in determining when a property condition requires additional inspections or repairs. \n\nConditions that would warrant additional repairs include those that pose a threat to the safety of the occupants, jeopardize the soundness and structural integrity of the property, or adversely affect the likelihood of a low- or moderate-income borrower from becoming a successful homeowner. \n\nIn the appraisers responses during discovery to my attorney and Is requests for communication with the appraisal management company she provided documentation from XXXX XXXX stating Cardinal needs to perform an appraisal compliant to FHA rules and regulations to determine the property does not qualify on XX/XX/XXXX. \n\nAs of XX/XX/XXXX Cardinal Financial has refused to do so. \n\nBoth the FHA and Cardinal have attempted to deflect to my personal home inspection.\n\nTodays question : Is a home inspection required when using an FHA mortgage loan?\n\nThe short answer is no. \nAgain, this quote comes from HUD, which is the federal department that oversees the Federal Housing Administration mortgage insurance program. They are the official source for all guidelines and requirements relating to this program. And their disclosure clearly states that a home inspection is not required when using an FHA loan. \nFor a Federal Housing Administration ( FHA ) loan to be approved, the home must pass an FHA inspection and appraisal. That means it must be worth the purchase price and have such basics as electricity, drinkable water, adequate heat, a stable roof, fire exits and more. \nThey have also insultingly provided me with a document I signed entitled For your protection get a home inspection which directly contradicts the FHA appraisal definition by stating An appraisal is different from a home inspection and does not replace a home inspection. Appraisals estimate the value of the property for lenders. An appraisal is required to ensure the property is marketable. Home inspections evaluate the condition of the home for buyers. \n\nNote this document conveniently leaves out the following. \n\nFHA : When an FHA loan is being used, the appraiser has two objectives. The Department of Housing and Urban Development ( HUD ) requires him to determine the current market value, as with any appraisal. But they also require a property inspection to make sure the home meets HUD 's minimum standards for health and safety.\n\nThe FHA appraisal process is unique in that the appraiser basically performs double-duty as both an appraiser and an inspector.\n\nWhen you use a Conventional loan to buy a house, your appraiser is mainly concerned about the current market value of the property. But when you use a federally-insured FHA loan , the appraiser has two objectives : Determine the houses value, and inspect it to make sure it meets minimum standards for health and safety set by the Department of Housing and Urban Development ( HUD ).\n\nThe real difference between the two is the level of inspection that HUD requires in order to fund the loan.\n\nIt goes on to state If you find problems with your new home after closing, FHA can not give or lend you money for repairs, and FHA can not buy the home back from you. Ask a qualified home inspector to inspect your potential new home and give you the information you need to make a wise decision. \n\nFinding problems with your home after closing is profoundly different from finding an error in the appraisal that would have disqualified the home and the loan from funding. \n\nTo be clear this is not about a broken or working septic system for that matter. My realtor myself nor my home inspector know or are required to know or verify minimum property requirements pertaining to lending approvals. The lender and appraiser are the only parties required to do so. This home did not qualify based on minimum distance requirements, not due to a broken septic system. Despite this fact, Cardinals latest stall/drain tactic is to add the seller, an investor, who never lived in the home, who listed the property correctly as well and septic and is not responsible for determining if the property qualifies for the loan, to the lawsuit in attempts to shift liability, which will not only add time that we are living in a health hazardous home but more finances I do not have. It is beyond immoral that a bank would rather spend thousands and put the consumer through XXXX to prove liability when presented with a blatant error that has placed them in a financial hardship and environmentally unsafe living conditions rather than use that money to make it right. Cardinal Financial is the definition of Greed and the FHA the definition of false advertisementXXXX XXXX XXXX XXXX  negligence, Cardinals lack of underwriting and the FHAs lack of resolution and accountability have caused great harm and hardship on my children and I and we can not financially, mentally or physically take another year of living amongst raw sewage and without the simple peace of mind of having clean water or a safe home for us to live in. My dream of being a home owner has been demolished. I no longer have the money to pursue them due to having to use my finances for a safe place to live, nor do I have the money to fix it and selling would not gain the amount of money the loan was obtained for. Just to get out of the situation would require filing for bankruptcy and all the repercussions that come with it. This has to be prevented from happening to anyone else. This error went through multiple entities uncaught by simply checking the incorrect box and just because a person does not have the means to pursue them does not mean they should get away with negligence that causes someone to lose their home. I am curious how many people have suffered at the incompetence of XXXX XXXX XXXX and Cardinals lack of underwriting and at the very least I would like them to order a second FHA appraisal to determine the home did not qualify and for the FHA to implement checks and balances to prevent this from happening, to not only hold their lenders accountable, but also close the loophole that causes great harm to the borrower. They can not claim they are committed to the occupants safety security and soundness of the home as well as anything that would adversely affect the likelihood of a low or moderate income borrower from becoming a successful homeowner yet refuse to enforce the regulations in place to ensure that.","date_sent_to_company":"2023-05-19T16:16:51.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"FHA mortgage","zip_code":"775XX","tags":null,"has_narrative":true,"complaint_id":"7001193","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP","date_received":"2023-05-19T16:09:35.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["It goes on to state If you find <em>problems</em> with <em>your</em> new home after closing, FHA can not give or lend you <em>money</em> for repairs, and FHA can not buy the home back from you. Ask a qualified home inspector to inspect <em>your</em> potential new home and give you the information you need to make a wise decision. \n\nFinding <em>problems</em> with <em>your</em> home after closing is profoundly different from finding an error in the appraisal that would have disqualified the home and the loan from funding."]},"sort":[9.827714,"7001193"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":37,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":37}]}},"product":{"doc_count":37,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":11,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":5},{"key":"FHA mortgage","doc_count":3},{"key":"Other type of mortgage","doc_count":2},{"key":"VA mortgage","doc_count":1}]}},{"key":"Debt 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