{"took":235,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":121,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17814535","_score":20.497583,"_source":{"product":"Mortgage","complaint_what_happened":"I am filing this complaint because my lender significantly mishandled my VA loan, resulting in financial harm, inaccurate disclosures, and violations of TRID tolerance rules. \n\nI applied for a VA loan through XXXX XXXX XXXX to purchase a property in XXXX XXXX, FL. Throughout the process, I was told that I qualified based on a 5 % down payment structure and that my cash to close would be approximately {$14000.00}. \n\nTwo days before closing, the lender informed me that their underwriter had miscalculated my VA entitlement for the transaction and that my required down payment was actually much higher than initially disclosed. My cash to close abruptly increased to more than {$43000.00}, then again to more than {$45000.00} with the next revision. With the final being {$46000.00} at the closing table.\n\nThis increase was entirely due to a lender error not a borrower-requested change, income change, employment change, or eligibility issue. I found out about this after my financing contingency expired the weekend prior.\n\nThe lender then issued a Changed Circumstance Detail Form listing the change as borrower requested, even though the change was caused by their entitlement miscalculation.\n\nThis form inaccurately blamed me for a lender-originated error, which appears to be an improper attempt to justify re-disclosure and shift compliance exposure away from the lender.\n\nAdditionally : The lender repeatedly altered the loan amount, VA funding fee, and required down payment.\n\nMy seller credits and agent rebate were reclassified incorrectly, resulting in confusing and inconsistent Cash-to-Close figures.\n\nThe lender could not explain how the VA entitlement was calculated, nor provide a calculation worksheet.\n\nDisclosures were delivered without accurate explanations or corrected math.\n\nThis situation caused substantial financial harm, stress, and potential risk of losing my Earnest Money Deposit. I was faced with losing my EMD or coming up with the enormous increase in the down payment.","date_sent_to_company":"2025-12-07T22:12:10.000Z","issue":"Closing on a mortgage","sub_product":"VA mortgage","zip_code":"34771","tags":"Servicemember","has_narrative":true,"complaint_id":"17814535","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CMG Financial Services, Inc.","date_received":"2025-12-07T21:35:07.000Z","state":"FL","company_public_response":null,"sub_issue":"Closing disclosure or other related disclosures"},"highlight":{"complaint_what_happened":["This situation caused substantial financial harm, stress, and potential <em>risk</em> of <em>losing</em> my Earnest Money Deposit. I was faced with <em>losing</em> my EMD or coming up with the enormous <em>increase</em> in the down payment."]},"sort":[20.497583,"17814535"]},{"_index":"complaint-public-v1","_id":"11804813","_score":16.462036,"_source":{"product":"Mortgage","complaint_what_happened":"I am reporting this complaint due to my experience with Supreme Lending. XXXX XXXX XXXX was the loan officer involved with securing my loan as well a couple of other representatives within Supreme. XXXX XXXX portrayed herself as having more knowledge, influence and flexibility with mortgage rates and financial impact regarding loan terms than she actually had. I also received increases in multiple line items at the last minute that were readily available to disclose to me much sooner, including about {$60.00} more in mortgage insurance that Supreme is charging monthly. Unsurprisingly, Supreme has refused to take any responsibility for my loan debacle, and the company has dismissed my concerns twice by stating there was no wrongdoing and that I am simply disappointed about unfavorable market conditions when closing my loan when I have shown that is greatly inaccurate. It was also incredulously suggested that the {$7500.00} seller credit I negotiated before even selecting a lender somehow alleviates the negative financial impact from Supreme. \n\nTo further elaborate, I selected XXXX XXXX as my loan officer since the loan disclosures she provided on XX/XX/year> were better than the others I had received from a few other lenders I was considering. I informed her that day I was going to proceed with the loan with Supreme which should have been a straightforward and transparent decision as we worked together to finalize the loan. Instead, she proposed the idea of waiting for the Federal reserve 's rate cut that was going to occur a couple of days later on XX/XX/year>. She quantified my risk as only about {$34.00} more per month if it resulted in an increase instead of decrease in mortgage rates. I was already stretched financially with a new mortgage which she knew. Therefore, I agreed to take the chance for the possibility of a lower payment even if it meant I could have a {$34.00} increase. \n\nUnfortunately, the consequences of waiting was much higher than {$34.00} that XXXX XXXX was slow to admit by stating she does not have a \" XXXX ball '', causing a delay of about two weeks before locking a rate and costing me thousands more upfront and tens of thousands more over the life of the loan. She should not have made an attempt to predict the impact of waiting for the Federal reserve 's rate cut or quantified my risk as only about {$34.00} per month given her experience in the mortgage industry and awareness of the potential volatility of mortgage rates and the required origination / discount points from one day to the next. XXXX XXXX should have acknowledged that all she does is communicate the loan terms Supreme provides to her if that is the case without any authority or ability to monitor, negotiate or change anything on my behalf. \n\nInstead, there was a misrepresentation of capabilities and expertise that appear to be outside of XXXX XXXX 's position as a loan officer, and it is a violation of sound business practice to present anything different to me as a customer. In addition, the various charges, fees, costs, etc. drastically increased even after locking the rate that were not disclosed in adequate time for me to review and dispute. This created a highly contentious environment on the day of closing with Supreme having all of the leverage to either enforce closing on their terms or cause me to lose my new home and all related expenses and inconveniences. \n\nXXXX XXXX 's notification that Supreme has an offer allowing me to refinance with no lender fee if interest rates decrease does not compensate for the exorbitant costs between now and then, and there is no guarantee how soon, if ever, it will be feasible to refinance. It was also disingenuous for her to continue claiming she was trying to help when my financial commitment in the end is considerably greater than prior disclosures she sent. Obviously, it is very likely I would have chosen a different lender if the process was not prolonged with the belief that I would get another disclosure consistent with her estimated {$34.00} increase. I would not have taken the risk had I known what she said was not true, but my business was maintained because of the delayed realization that what she stated to me on XX/XX/year> was not going to happen. \n\nFor these reasons, the ones listed below as well as others detailed in the remainder of this filing, I am submitting this complaint against Supreme Lending due to ongoing financial detriment to me with no accountability. \n\n- Providing false information which directly influenced my decision to delay locking the rate that initially won my business from other lenders - Improperly taking on the role of an advisor by determining when the market was favorable enough to either send or not send me disclosures on particular days, precluding me from making my own decision until it became a forced situation driven by the quickly approaching closing date - Showing no evidence of re-checking my credit score as I requested on XX/XX/year> since I showed an increase in my score due to activity that did not seem to be captured in my initial credit report - Substantially increasing what I owe even after locking the rate - Failing to provide an accurate \" three-day disclosure '' and not providing it timely since it was not sent to me until less than 24 hours before closing - Withholding information that I could have locked in the initial 6.5 % rate with 5 % down and about {$1100.00} for origination points as disclosed on XX/XX/year> instead of waiting and still had the option of locking an even lower rate if they dropped within a certain timeframe. This was not confirmed to me by XXXX XXXX until I inquired at closing about that known option with many lenders after being informed by my realtor. That would have obviously been the best way to \" help '' me given my financial circumstances rather than the chaos that was created. \n- Maintaining an unwillingness to rectify any aspect of this troubling situation at closing through the present time","date_sent_to_company":"2025-01-28T20:41:03.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"30075","tags":null,"has_narrative":true,"complaint_id":"11804813","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Supreme Lending","date_received":"2025-01-28T20:15:32.000Z","state":"GA","company_public_response":null,"sub_issue":"Closing disclosure or other related disclosures"},"highlight":{"complaint_what_happened":["I informed her that day I was going to proceed with the loan with Supreme <em>which</em> should have been a straightforward and transparent decision as we worked together to finalize the loan. Instead, she proposed the idea of waiting for the Federal reserve 's rate cut that was going to occur a couple of days later on XX/XX/year>. She quantified my <em>risk</em> as only about {$34.00} <em>more</em> per month if it resulted in an <em>increase</em> instead of decrease in mortgage rates."]},"sort":[16.462036,"11804813"]},{"_index":"complaint-public-v1","_id":"3453497","_score":16.222652,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have a card with American Express that without prior notice, raised my interest rate by 5.75 % ( current rate was increased to 22.74 % ). When I checked my statement on or about XX/XX/XXXX, I saw the rate increase went into effect on XX/XX/2019. Since I was not notified of this rate increase, I had used the card for basic household expenses and vacation expenses between XXXX - XX/XX/2019. I certainly would not have used the American Express card if the company notified me of the rate increase either by mail, email or a message when I logged on to its website. When I called the company on XX/XX/XXXX, the customer service representative claimed I was previously mailed a notice of this increase. This is false. I check all of the mail I receive from my credit card companies and the notice of rate increase from American Express was never sent. I checked my emails and never received a notification. The fact I was accused of lying about something of this nature was a shock. \n\nWhen I asked American Express during this call to review the rate increase, they promptly sent four copies of the same response on the same day denying my request to lower the rate to the older rate. ( These mailings I acknowledge receipt ) They claimed the interest rate increase was based on my FICO score, which from what I could see had remained unchanged for 2019, so this explanation was again a false assertion made by American Express. The letter also mentioned my FICO score was based on a \" serious delinquency '' and \" too few accounts currently paid as agreed ''. These contentions are also false. \n\nIf American Express wanted to raise my rate without any explanation or justification, as a private company, they may believe it is within their right to do so. However, I did believe they were required to notify customers 45 days before the change which did not occur. When I spoke to their customer service I explained there was a change due to a temporary loss of employment this year which caused me to rely more on the credit cards, resulting in a 10-15 % increase to my overall debt. I therefore asked if they could waive the increase that went into effect on XX/XX/XXXX. If they chose to let it go into effect as of the date of my call that would be their option. Instead of American Express understanding my situation as a long-term user of the card and explaining they made an error in failing to notify me of the rate increase, American Express ' customer service claimed in a conclusory manner that I was notified of the rate increase. Essentially, their attitude was that I was lying about this and they are not concerned about the average individual card holder. To date, the company has never provided me with any proof that they sent the notice by regular mail, email or any other available means. \n\nI used this particular American Express card for over 13 years and was probably using their cards overall for approximately 18 years. This conversation on XX/XX/XXXX gave me a whole new perspective into how credit card companies think of their card holders. The indifferent response to a long-term card holder again came to me as a shock given how this particular company was receptive to me in the past when I called about other matters. I was obviously stupid into thinking long-term use of a card meant loyalty by a credit card company to its customers. \n\nAmerican Express ' unexpected increase in my interest rate has now made it more difficult for me to pay off my remaining credit card debt balance. I have no explanation of how American Express increasing my interest rate and losing a long-term customer was to its benefit other than believing this increase will make it impossible for me to ever pay off the existing debt. If the company 's computers calculated I was a risk of not paying off the debt then they should have taken other action besides raising my interest rate. While I am aware of the credit card debt I have accumulated over the years and I certainly want to reduce or eliminate it entirely, American Express clearly has no intention of making this possible. If a situation such as mine occurs to numerous other credit card users who live paycheck to paycheck, even an unanticipated 6 % rate increase can render a person unable to make the minimum payment. This inevitably results in yet another interest rate increase due to a default, thereby allowing American Express to proceed with a lawsuit, enter judgment and go after the individual by wage garnishment or the seizure of personal property. \n\nOn a final note, the Minimum Warning Payment I have on my statements do not indicate how much I would need to pay each month to pay off the balance in 3 years. I was of the understanding that this was legally required.","date_sent_to_company":"2019-11-29T17:02:10.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"11581","tags":null,"has_narrative":true,"complaint_id":"3453497","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2019-11-29T14:15:45.000Z","state":"NY","company_public_response":null,"sub_issue":"Unexpected increase in interest rate"},"highlight":{"complaint_what_happened":["American Express ' unexpected <em>increase</em> in my interest rate has now made it <em>more</em> difficult for me to pay off my remaining <em>credit</em> card debt balance. I have no explanation of how American Express <em>increasing</em> my interest rate and <em>losing</em> a long-term customer was to its benefit other than believing this <em>increase</em> will make it impossible for me to ever pay off the existing debt."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["Unexpected <em>increase</em> in interest rate"]},"sort":[16.222652,"3453497"]},{"_index":"complaint-public-v1","_id":"3268127","_score":15.646122,"_source":{"product":"Student loan","complaint_what_happened":"I checked my credit report and noticed that my student loan carrier ( U.S. Dept of Education ) has not reported my payments since XX/XX/2019. This is something that happens regularly where they take months to report information to the credit bureaus. This causes me to lose points on my credit score because it looks like I am not paying monthly and on time. \n\nI also want to complaint about the USDE reporting the interest on my loan, my loan increasing every month because none of my payments are going towards my principle balance, and the USDE not reporting that I'm in a loan forgiveness program and the date I'm expected to completed ( rather than reporting what looks like I'm not in a Forgiveness program and have 25 years to go ). \n\nAll of this that the USDE and every other student loan carrier is doing to our credit is ruining us. Not only are burdened and consumed with student loan debt, our livelihoods are being negatively affected by it, which causes entities like home loan providers to shy away from us. \n\nI work hard at building my credit score only to have the USDE take three points away every month because my loan amount keeps increasing and increasing significantly although I pay faithfully each month. This is wrong and policy, legislation, and procedures need to change. It's like we're being punished for getting student loans and it's going to last the rest of my life. \n\nPlease guide me on what I can do. Who can I write or petition? What departments or offices can I write and call to change these policies and procedures so that I can enjoy SOME of my life. Because right now I feel like I went to college to get in debt and now spending the rest of my life paying for college. And because of this, I am completely against student loans and make sure I tell every High School student my story to scare them away from them. \n\nMy loan is increasing {$65.00} each month in interest and it gets reported to the credit bureaus. I started out with a $ XXXX loan amount and now it is up to $ XXXX. How is this when I pay faithfully every month since graduation eight years ago? Why are they doing this to us? They're already XXXX XXXX XXXX' us with student loans. Now they're adding insult to injury and making sure we will never own homes, take vacations, and get credit cards and finance autos and personal loans at decent limits and rates. I regret the day I ever went to college. I grew up in low-income housing with a single parent and NO money for college. But all I'm doing is lining the pockets of Big Government. I feel like I'm still in low-income housing and being controlled by the government. This is nothing but a trap towards the poor and minorities to keep us from advancing from generation to generation. \n\nI have roughly seven years to pay my loan off under the Loan Forgiveness Program and Income Driven program. But according to my credit report, I have 25 more years to go. XXXX! And the payments increase as my income increase, which is why I don't look forward to raises or promotions. I'll be XXXX years old if I had to go the route of 25 years. What was I thinking to ever get involved with the government and believe the financial aide offices who convinced me that I was making an investment. \n\nMy siblings didn't go to college. They just worked hard and made their way to the top. Some even make more money than I do and they don't have any student loan debt. Because of that, they have better credit scores, homes, and look like a low-risk to every credit-giving agency in the world. And those who don't make more than me and still rich because they don't owe any student loans and are able to enjoy the fruits of their labor, ( not having to work overtime and second jobs like I do ). They're married as well. But I'm afraid to marry because when I do, my loan repayment amount will increase. Yes, more punishment for wanting something more than the welfare, low-income housing, poverty, crime-ridden, and roach-infested environment I grew up in. XXXX only knew that I would end up right back where I started because of student loan debt and the practices of credit reporting by the loan carriers and government legislation and policy. \n\nWe should be ashamed of ourselves as a country.","date_sent_to_company":"2019-06-12T16:24:34.000Z","issue":"Incorrect information on your report","sub_product":"Federal student loan servicing","zip_code":"750XX","tags":null,"has_narrative":true,"complaint_id":"3268127","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2019-06-08T01:28:31.000Z","state":"TX","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["Some even make <em>more</em> money than I do and they don't have any student loan debt. Because of that, they have better <em>credit</em> scores, homes, and look like a low-<em>risk</em> to every <em>credit</em>-giving agency in the world. And those who don't make <em>more</em> than me and still rich because they don't owe any student loans and are able to enjoy the fruits of their labor, ( not having to work overtime and second jobs like I do ). They're married as well."]},"sort":[15.646122,"3268127"]},{"_index":"complaint-public-v1","_id":"3330622","_score":15.224753,"_source":{"product":"Mortgage","complaint_what_happened":"I refinance through XXXX XXXX XXXX, they sold my mortgage to Caliber Home loans in XX/XX/2018 my XXXX payment was Made in XX/XX/2018 I received my property taxes and realized Caliber had not included my fall taxes on a parcel I have which was to be included. I faxed the information at least twice uploaded to my docs which they had requested twice, had numerous email and phone calls. Was even told it was paid at XXXX point in XXXX I received notification from XXXX county courthouse if my taxes were not paid I would risk losing my property to foreclose i made XXXX more calls theast time threatening to refinance because I had received a escrow analysis stating my payment was increasing from {$880.00} to {$1100.00}. I was assured the taxes would be paid and Id be reimbursed any difference due to the taxes not having been paid when I wood have got the fall discount, when my other taxes were paid. I again spoke with someone from escrow about my taxes because I knew they had not increased and they assured me it was correct and the loan officer  at XXXX XXXX XXXX had not reported the correct amount and that was why my account was short and payment increased. I then contacted XXXX XXXX and she assured me that the acct information she provided was correct as XXXX people review it. We then discussed refinancing. I then in the end of XXXX due to having my credit run because I was going to refinance received an offer from Caliber about an FHA refi through them so I spoke with a loan officer in their department who told me there was no way my takes went up that much it was not possible as they had last told me. So again I called the escrow department this time spent almost XXXX minutes trying to explain how they had to have something wrong the gentleman argued with me and said he reviewed it all with his boss and it was correct, after hanging up, i again review my escrow analysis statement and went to the county website punched the tax parcel numbers paid and discovered they had paid my sister who lives beside me with a completely different last name taxes. I the next day contacted Caliber again giving them the tax parcel number that were correct and my sisters, and was assured it would be taken care of by XX/XX/XXXX at the latest, I called again to talk to customer service because the tax department couldnt address the tax from he fall that was paid and I didnt receive credit even though I was promised I would be for it not being paid in XXXX and received foreclosure letters. The woman stated she could see I made several attempts to provide all the information they needed starting in XXXX when i realized it was not paid & it would be escalated also to provide me with the difference. She also told me to call and check on the status. I made several calls being told each time there was no determination. I have had to pay to payments at the increased amount even though Caliber acknowledges they have the wrong parcel. I called in the weekend and was offered no explanation as to why it has not been fixed even though it was given a date if XX/XX/XXXX, I called today and was basically told Im not getting refunded for the fall tax even though I supplied the information to be paid at the discount rate and that I needed to provide them with more information regarding the tax parcel that is mine so they can verify theyre paying the wrong taxes ( my sisters ). I have provided them this information several times and found this mix up which they wouldnt even acknowledge when I asked on my own. I do not feel it is my responsibility to continue to give them the information I already have. I also was told today its not a big deal because I will get my money back, unfortunately it is a struggle to come up with the difference and Im at risk for falling behind on other debt.","date_sent_to_company":"2019-08-06T05:07:52.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"15650","tags":null,"has_narrative":true,"complaint_id":"3330622","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Caliber Home Loans, Inc.","date_received":"2019-08-06T00:27:10.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Was even told it was paid at XXXX point in XXXX I received notification from XXXX county courthouse if my taxes were not paid I would <em>risk</em> <em>losing</em> my property to foreclose i made XXXX <em>more</em> calls theast time threatening to refinance because I had received a escrow analysis stating my payment was <em>increasing</em> from {$880.00} to {$1100.00}."]},"sort":[15.224753,"3330622"]},{"_index":"complaint-public-v1","_id":"6482545","_score":14.7001705,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Consumer Financial Protection Bureau\nP.O. Box 2900\nClinton, \nIA 52733-2900 TRUIST BANK  BREACH OF DUTY OF CARE\n \t \t \t \nDear Sir/Madam of the Consumer Financial Protection Bureau,  \n\nPlease take the time to read this information pack as it will explain the reason for my complaint to the Consumer Financial Protection Bureau. \n\nOn XXXX XXXX XXXX, I fell victim to a multilayered scam operation orchestrated\nby XXXX XXXX (the Scammer) and innocently lost XXXX  USD of my hard-earned life-savings.  I advised Truist Bank of this fact on XXXX XXXX XXXX and I havent received any satisfactory response so far.\n\nTruist Bank had a duty to exercise reasonable professionalism, care, pay due to regards to the interest of their customers and follow good industry practices (GIP) to keep customers accounts safe. This includes identifying vulnerable consumers who may be particularly susceptible to scams and looking out for payments which might indicate the consumer is at risk of financial harm.   \n \nSince XXXX XXXX, I have been attempting to resolve this matter with Truist Bank, but they have failed to settle this matter satisfactorily. I have been dealing with Truist Bank in good faith and am deeply disappointed in how they have handled this matter thus far.  \n   \nI find it baffling and reprehensible that my money has been so egregiously misused in a fashion that violates their principles, which call me to defend my rights. This is poorly thought out and vaguely defined nonsense. I doubt they care however since nonsense is what renders unscrupulous businesses financially successful. \nAccordingly, I respectfully insist that Truist Bank covers all overdrafts (560,000.00 USD) on the account. This is fair and reasonable given I was given no appropriate warning about the possibility of a scam. I have been a loyal customer of Truist Bank and have never had any difficulties of this kind before.\n\nFURTHER POINTS FOR CONSIDERATION \n\nThe examples of good and bad practices around investment fraud. Good practice included but was not limited to:\n\tA bank regularly assesses the risk to itself and its customers of losses from fraud, including investment fraud, in accordance with their established risk management framework. The risk assessment does not only cover situations where the bank could cover losses, but also where customers could lose and not be reimbursed by the bank. Resource allocation and mitigation measures are informed by this assessment.\n\tA bank contacts customers if it suspects a payment is being made to an investment fraudster.\n\tA bank has transaction monitoring rules designed to detect specific types of investment fraud. Investment fraud subject matter experts help set these rules.\n\tReal-time payment screening against a well-formulated watch list; transaction monitoring rules designed to detect specific types of investment fraud\n\tBanks actively contacting customers if suspect payments are identified\n\tBanks placing material on investment fraud on its website\n\tWork to detect and prevent investment fraud from being integrated with a banks vulnerable customers initiative\n\nTaking into account the law, regulatory rules and guidance, relevant codes of practice and what should consider having been good industry practice at the time, Truist Bank should reasonably and reasonably consider:\n\tHave been monitoring accountsand any payments made or receivedto counter various risks, including anti-money-laundering, countering the financing of terrorism, and preventing fraud and scams;\n\tHave had systems in place to look out for unusual transactions or other signs that might indicate its customers were at risk of fraud (amongst other things). This is particularly so given the increase in sophisticated fraud and scams in recent years, which banks are generally more familiar with than the average customer; and\n\tIn some circumstances, irrespective of the payment channel used, have taken additional steps, or made additional checks, before processed a payment, or in some cases declined to make a payment altogether, to help protect customers from the possibility of financial harm from fraud.\n\nDespite the regulatory and statutory requirements Truist Bank shall abide by as a licensed and regulated financial institution, instead of detecting patterns, drawing certain conclusions, and taking actions accordingly, Truist Bank may have insufficiently performed some hasty and haphazard review of the transaction(s) regarding the suspicious activities, but it seems that rather than being careful, methodical, and vigilant, they took no notice of what was happening.\n\nPlease be noted that I will not in any way quietly tolerate the consequences of Truist Bank actions (or more precisely, the lack thereof). It is perfectly obvious that they could have, and should have, utilized various risk-based examination procedures and techniques, all of which are within their purview and could have entirely prevented this disastrous outcome.\nAs previously advised, they should have known, suspected, or had reason to suspect that the transactions (or pattern of transactions):\n\tinvolve funds the ultimate purpose of which was to fuel an illegal enterprise;\n\tis intended to disguise funds the ultimate purpose of which was to fuel an illegal enterprise, in an attempt to avoid and thus violate regulations;\n\tis intentionally designed to defraud your customer;\n\tserves no legitimate or lawful purpose; and\n\tinvolve the use of your services to facilitate criminal activity.\n\nThere are so many other ways in which measures related to fraud prevention and mitigation could have been useful. Further factors that should have been taken into consideration include, but are not limited to, the following:\n\tThe timing, volume, frequency, and nature of the transactions in question;\n\tThe abnormality of such transactions against the background of your experience with me as a customer and other entities associated with the transactions (if any);\n\tThe suspicious nature of such transactions based on my overall risk profile including vulnerability and identification and research of high-risk services/products;\n\tSystemic filtering mechanisms, whether manual or automatic, for the identification of unusual activities; and\n\tPeriodic evaluation of the usefulness, appropriateness and effectiveness of anti-fraud programs, and other associated policies and procedures.\n\nRelevant industry practices at the time of the victimization:\nTruist Bank is obliged to take some action if it is sufficiently aware of a real possibility that a fraud may be being perpetuated. If you don't question its customers instructions or raise the possibility of a scam with the customer in these circumstances, it may be liable if the red flags indicate the customer is:\n\tparticularly vulnerable, or\n\tif the possibility of fraud was serious or real, not just suspected.\n\nThere are some recommendations to organizations for protecting customers from financial harm that might occur as a result of fraud or financial abuse; and gives guidance on how to recognize customers who might be at risk, how to assess the potential risks to the individual and how to take the necessary actions to prevent or minimize financial harm.\nThese recommendations are established as a general principle, the organization should deliver a service that:\n\n1)\tTakes a proactive approach to minimizing risks, impact and incidences of financial harm and it sets out systems and tools for the prevention and detection of fraud and financial abuse. As a general point, it says organizations should ensure that all systems are developed using technologies and methodologies that are effective in the prevention of fraud and financial abuse, through authorized and unauthorized payments, thereby minimizing the risk of financial harm to customers. As regards to the detection of fraud and financial abuse, it says the organization:\n\nA) should have measures in place across all payment channels and products to detect suspicious transactions or activities that might indicate fraud or financial abuse. It then lists the following examples of suspicious activity on customer accounts:\na. multiple cheque books;\nb. sudden increased spending;\nc. transfers to other accounts;\nd. multiple password attempts;\ne. logins from new devices, multiple geographical locations;\nf. sudden changes to the operation of the account; Unusual transactions are transactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification.\ng. a withdrawal or payment for a large amount;\nh. a payment or series of payments to a new payee;\ni. financial activity that matches a known method of fraud or financial abuse.\n\nB) organizations should have a process in place to ensure that staff make contact with the customer to verify the financial activity, challenge its authenticity, explain the nature of the suspected or detected fraud and discuss an appropriate plan of action.\n\nMy true issue with the bank is their limited understanding of the kind of recall I was requesting to raise. The most common reason for a recall is where the account holder says the transaction was not authorised; a recall can also be claimed if the goods were not received or if the cardholder paid in another way (eg., with cash).\n\nWhilst I am not denying the demand for the reason code, I am emphasizing to the bank that my case falls under a different reason code. Despite providing the bank with the required explanations of my case, Truist Bank preferred to stick with the authorisation issue which has never been raised by me which already shows the banks lack of understanding of how to treat my case.\n\nTruist Bank could have done more at the time of the payment to warn me of the risks of scams\n\tTaking steps to educate their customers about scams.\n\tTaking steps to identify higher risk payments and customers who have a higher risk of becoming a victim of scams.\n\tProviding effective warnings to customers if the bank identifies a scam risk.\n\tTaking extra steps to protect customers who might be vulnerable to scams.\n\tTalking to customers about payments and even delaying or stopping payments where there are scam concerns.\n\tActing quickly when a scam is reported to it.\n\tTaking steps to stop fraudsters from opening bank accounts.\nBanks and other Payment Services Providers (PSPs) do have a duty to protect customers against the risk of financial loss due to fraud and/or to undertake due diligence on large transactions to guard against money laundering. In broad terms, the starting position at law is that a firm is expected to process payments and withdrawals that a customer authorises it to make, in accordance with the Payment Services Regulations and the terms and conditions of the customers account.\nBut, where the consumer made the payment as a consequence of the actions of a fraudster, it may sometimes be fair and reasonable for the bank to reimburse the consumer even though they authorised the payment.  \nI think Truist Bank shouldve had enough knowledge of this type of scam at the time. Truist Bank could have protected me from this; unlike me, the bank knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance. Despite the irregularities in my spending and such untypical patterns, not a single contact was made me question what I was doing. The treatment from Truist Bank is compounded by trauma and anxiety and has left me in the awful situation I now find myself in.\nAlthough it was not Truist Bank that scammed me, they had many obligations to protect my Financial Interest - which they did not uphold if you take a quick look at the bank statements you will realise how the transactions were absolutely out of the usual pattern, there was suddenly increased spending, payments for considerably large amounts, series of payments to a new payee and of course financial activity that matched a known method of fraud or financial abuse.\nAll of the above points were not considered by Truist Bank when I was victimised, and no actions were taken to prevent that victimisation. Of course, I appreciate that they might want to act in good faith and uphold my requests to transfer these payments but the code sets out that organisations should have a process in place, to ensure that (i) staff make contact with the customer to verify the financial activity, (ii) challenge its authenticity, (iii) explain the nature of the suspected or detected fraud and (iv) discuss an appropriate plan of action. \n \nTo further simplify the situation with respect to the nature of the transactions, there are circumstances, irrespective of the payment channel used, where a bank should take additional steps, or make additional checks, before processing a payment, or in some cases decline to make a payment altogether, to help protect customers from the possibility of financial harm. This is particularly so in light of the environment created by the increase in sophisticated fraud and scams in recent years - which banks are generally more familiar with than the average customer.\n \nKindly take into account that this case against Truist Bank is not primarily about the scam that happened. My main issue with Truist Bank is its unwillingness to raise a recall under the relevant reason code. It is obvious that they did not take any of my reasonings into account and blatantly focused on the authorisation argument that does not match my case and the issue of whether the transactions were fraudulent according to what is written on the paper. \n\nAnti-Money Laundering Requirements for Financial Institutions and Other Designated Businesses \n\n3.1 What financial institutions and other businesses are subject to anti-money laundering requirements? Describe which professional activities are subject to such requirements and the obligations of the financial institutions and other businesses. The following are subject to the requirement to maintain risk-based AML Programs: \n\n\tBanks, including savings associations, trust companies, credit unions, branches and subsidiaries of foreign banks in the United States, and Edge corporations.\n\tBroker-dealers in securities.\n\tMutual funds. Futures Commission Merchants and Introducing Brokers in Commodities. Money Services Businesses 3.4 What are the requirements for recordkeeping or reporting large currency transactions? When must reports be filed and at what thresholds?\n\nCurrency Transaction Reporting\n\nFinancial institutions (defined as financial institutions under the BSA regulations) must file CTRs with FinCEN on all transactions in (physical) currency in excess of XXXX  (or the foreign equivalent) conducted by, though, or to the financial institution, by or on behalf of the same person, on the same day. 31C.F.R.  1010.310315.\nIt is prohibited to structure transactions to cause a financial institution not to file a CTR or to file an inaccurate CTR by breaking down transactions into smaller amounts at one or more financial institutions over one or more days. 31 C.F.R.  1010.314.\n\nCustomer Due Diligence\nPursuant to regulatory requirements, which became effective May 11, 2018, as part of their AML Programs, certain financial institutions (banks, broker-dealers, mutual funds, FCMs and IB-Cs) must implement formal risk-based CDD programs that include certain minimum elements, including customer identification and verification (under a Customer Identification Program), obtaining information about the nature and purpose of a customers account, ongoing monitoring of customer accounts, obtaining beneficial ownership information at a 25% threshold\nfor legal entity customers and identifying a control person for legal entity customers (with certain exceptions).\n\nThere also is a specific BSA requirement to maintain CDD programs for non-U.S. persons private banking accounts and foreign correspondent accounts. The same covered financial institutions as for CDD programs (banks, broker-dealers, mutual funds, FCMs and IB-Cs) must maintain a CDD program for non-U.S. private banking accounts established on behalf of, or for the benefit of, a non-U.S. person and foreign correspondent customers and an enhanced due diligence (EDD) program for those relationships posing a higher risk. These programs must be designed to detect and report suspicious activity with certain minimum standards. These requirements are based on Section 312 of the PATRIOT Act and are often referred to as Section 312 requirements. 31 C.F.R.  1010.610 (due diligence for foreign correspondent accounts), 1010.620 (due diligence for private banking for non-U.S. persons).\n3.9 What is the criteria for reporting suspicious activity?\n\nFinancial institutions and other businesses subject to the AML Program requirement (except Check Cashers, Operators of Credit Card Systems, and Dealers in Precious Metals, Precious Stones, or Jewels) are required to file SARs with FinCEN under the BSA (and for banks, under parallel requirements of their federal functional regulators). SARs are required where the filer knows, suspects, or has reason to suspect a transaction conducted or attempted by, at\nor through the financial institution: \n\n\tinvolves money laundering;\n\tis designed to evade any BSA regulation or requirement;\n\thas no business or apparent lawful purpose or is not the sort in which a particular customer would engage; or \n\tinvolves the use of the financial institution to facilitate criminal activity or involves any known or suspected violation of federal criminal law. \n\tSee, e.g., 31 C.F.R.  1023.320(c) (SAR requirements for broker-dealers). Generally, the reporting threshold is XXXX or more. For banks, if the suspect is unknown, it is XXXX or more. For MSBs, generally, it is XXXX or more.\n\nIn XXXX XXXX the office of the Senator XXXX XXXX  issued a report called: Facilitating Fraud: How Consumers Defrauded on XXXX are Left High and Dry by the Banks that Created It. These are some of the most important statements mentioned in the report:\nIn XXXX XXXX, Senator XXXX opened an investigation to determine the extent of fraudulent activity on XXXX, and to understand how the company and the banks that own and operate it make consumers whole when they are defrauded on the platform. Senators XXXX XXXX XXXX XXXX  wrote to XXXX seeking information about the frequency of scams and fraud and the companys policies on redressing consumers who have been defrauded. \nThe information provided by XXXX revealed that an estimated XXXX XXXX was lost by XXXX users through frauds and scams in 2021, but that the banks that participate in the network appear not to have provided sufficient recourse to their customers. In particular, XXXX response indicated that XXXX  facilitates fraudulent activity of many kinds That includes activity in which a users account is accessed by a bad actor and used to transfer a payment  often called unauthorized transactions  and activity in which a user is fraudulently induced into transferring a payment to a bad actor  often referred to by XXXX and XXXX-participant banks as authorized transactions.\nSenators XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then sent letters to the seven big banks that own and operate XXXX parent company to determine the extent of the problems with illegal and fraudulent activity, and to determine how banks were helping consumers who lost money on the platform.\nAt nearly every turn, most of the big banks have stonewalled, refusing to provide the information requested by members of Congress. However, Senators XXXX XXXX XXXX finally obtained commitments from several of the banks CEOs that they would provide the information on XXXX to Congress during a Committee on Banking, Housing, and Urban Affairs hearing on XXXX XXXX XXXX\nOverall, the three banks that provided complete data sets  XXXX XXXX XXXX XXXX, and Truist  reported 35,848 cases of scams, involving over XXXX  million of payments in XXXX  and the first half of XXXX. In the vast majority of these cases, the banks did not repay the customers that reported being scammed. Overall these three banks reported repaying customers in only 3,473 cases (representing nearly 10% of scam claims) and repaid only XXXX XXXX  (representing 11.2% of payments).\nThe findings of this report reveal that fraud and theft on XXXX are widespread and growing, with consumers losing XXXX  each year. The banks that own and profit from the platform are failing to make their customers whole for both authorized and unauthorized fraudulent transactions, while refusing to release information publicly or to their customers that could help keep all consumers safe. Given this uncertain landscape and the banks abdication of responsibility, regulatory clarity is needed to further protect XXXX  users.\nThe CFPB has regulatory authority over peer-to-peer platforms including XXXX, and is reportedly considering issuing guidance to push banks to cover more fraudulently induced transactions, a move that would greatly improve consumer protections on peer-to-peer platforms like XXXX The agency should act to clarify and strengthen Regulation E and include fraud in the Regulations error resolution purview, increasing the responsibility of banks to keep XXXX safe and to ensure that consumers will be protected. The banks that created and profit off of XXXX should be pushed to protect their consumers from bad actors on their platform, and regulators should step in to ensure a fair and consistent process for everyone.\nFrom the report issued by the office of Senator XXXX XXXX, it is clear that the banks dont treat scam victims fairly, only 10% of scam victims get a compensation from the bank, while others just left suffering. Even more, banks keep getting their profit, while more and more people keep being scammed, hacked, simply saying, losing their hard-earned funds.\nAs it is mentioned in the report, such organizations as CFPB should issue a guidance in which it will be written how step-by step, financial institutions need to check each and every transaction that looks suspicious, especially those which are sent to a new payee (e.g., cryptocurrency platforms). In case if the financial institution doesnt follow these rules and their customer is scammed, it shouldnt be blamed only as a victims guilt. Financial institutions need to take their responsibility as well and provide their customer with a decent compensation.\n\nDesired outcome: Truist Bank has to put things into the right perspective for me by reversing the total amount of XXXX  USD paid to scammers as I have suffered a great loss because of this fraud, it had affected me personally, emotionally and financially. \n\n\nYours sincerely, \n\nXXXX XXXX","date_sent_to_company":"2023-01-24T12:46:36.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"20852","tags":null,"has_narrative":true,"complaint_id":"6482545","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2023-01-24T12:41:22.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Even <em>more</em>, banks keep getting their profit, while <em>more</em> and <em>more</em> people keep being scammed, hacked, simply saying, <em>losing</em> their hard-earned funds.\nAs it is mentioned in the report, such organizations as CFPB should issue a guidance in <em>which</em> it will be written how step-by step, financial institutions need to check each and every transaction that looks suspicious, especially those <em>which</em> are sent to a new payee (e.g., cryptocurrency platforms)."]},"sort":[14.7001705,"6482545"]},{"_index":"complaint-public-v1","_id":"3071831","_score":14.486373,"_source":{"product":"Mortgage","complaint_what_happened":"As an XXXX  XXXX I dont have much documentation to provide for additional income. After approval for an equity loan from a XXXX I thought Id shop one more option. I called a loan officer Id spoken to previously that dealt with people who were proof of income challenged. \n\nThe loan officer, XXXX XXXX said he no longer worked for the same company however AFN dealt with my circumstances often. As long as I had good credit and 2 years of tax documentation that would basically be all Id needed, same with the other lender. \n\nThroughout the process he informed me of the many shortcomings of the opposing lender as well as the benefits AFN. Understandably, more and more info was needed. Once all of my documentation was verified it was at the point of appraisal. I asked repeatedly if my loan was definitely approved and if they were positive they had everything needed. I had to be sure there would be no issues to haunt me to prevent having to pay another appraisal fee. I was assured repeatedly by XXXX and XXXX that they received everything, the approval was definite and no problems would arise. In the meantime I had been quoted, many times, a payment amount and general fee range at closing. \n\nThough they said everything was obtained, AFN then asked for one last thing once the appraisal was complete. Though they already had the forms, they needed tax verification directly from the IRS. I was assured again that was the final piece of documentation before funding. \n\nTime to meet with the notary. Going through the paperwork, the first things that jumped off the pages were the increased payment amount and the increased fees. The notary advised me to go ahead and sign the docs as I had 3 days to rescind the loan. She dog-eared the pages referring to my legal rights. \n\nImmediately, I called XXXX XXXX regarding the payment increase and fee increases. He nonchalantly said that he quoted only the principle payment. What? The fee increase was because my loan was so small so the fees and interest would be higher. Just the nature of the business as they get their money any way possible. These were the very things XXXX warned me about regarding the other lender. So I had 3 days to decide what to do. \n\nIt was too late in the process to start over, not to mention having to pay for another appraisal through another lender. I had been out of town dealing with serious family matters during this crucial time so the thought of going through it again was daunting. \n\nIn that 3 day period I had the added pleasure of receiving a termination of insurance notice because AFN gave my insurance co the wrong information. Then AFN sent me new docs to sign because my payments were to increase again. Asking why, they explained that I hadnt given them the correct annual insurance rate so they had to recalculate my terms. Calling my ins co, AFN had asked for my annual rate plus what my rate would be from that day until the end of the term, then they added it together! These are the people calculating my 30 year loan. My annual insurance had been paid in full already. There was nothing owing and nothing incorrect on my part. I had to make several calls to rectify the problem as AFN did nothing but attempt to raise my payments again. XXXX, the AFN loan processor acted as though this was no big deal. She couldnt have been more condescending when I asked her to send email confirming that the matter was taken care of. \n\nBy this time the many inaccuracies, discrepancies and recalculations by AFN were making me extremely nervous. I tried checking and double checking to make sure there would be no more awful surprises before the loan was funded and closed. They were completely annoyed by my diligence, however assured me that unforeseen problems were over. However they werent done ripping the rug out from under me. \n\nXX/XX/2018, almost 2 months after my loan was funded and closed, I received a phone call from AFNs director of credit risk, XXXX XXXX. He said that they needed more documentation. I had already made my first payment! As they knew from day one, I had given them everything XXXX possible could already. The loan officer and processor were fully aware of that from the beginning. Why were they asking for more now? Because theyre having problems selling my loan. Now my nightmare begins. \n\nSo, after Mr XXXX said hed figure something out, ends up it was not to help me. He then made the loan officer call me XX/XX/2018. XXXX XXXX had been let go before my loan had closed ... the second mortgage company in less than a year. At first XXXX was awkward and uncomfortable, then he became very agitated. He began to threaten me with rescinding the loan ... he said it was not their problem, it was my problem. The closed loan that he repeatedly reassured me about, and that had already been disbursed to paying off a note, credit lines, and materials and services to improve my home is going to be taken back. Or they will sue me for default. Which most likely ends in foreclosure and mutilating the credit. \n\nAFN should have warned me that there could be any possible issues down the road and that something like this was even possible. I should've had the chance to choose a major lender that not only approves, but can afford to honor and keep the loans they fund. Ive worked so hard to buy my home, make improvements to build equity and achieve an equity loan. Now they are going to take it all away from me because they apparently made many mistakes. \n\nNow I'm forced to hire an attorney I can not afford. They have discontinued mailing me payment coupons to solidify their claims of default. I could very possibly lose everything. Not because I have bad credit or dont pay everything on time. My credit and payment history is excellent. I could lose the home I literally put my blood sweat and tears into, and continue to, because AFN, wants to sell a loan they approved based on legitimate, verified facts by their own requests and criteria.","date_sent_to_company":"2018-11-12T16:32:16.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"832XX","tags":null,"has_narrative":true,"complaint_id":"3071831","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"American Financial Network Inc.","date_received":"2018-11-12T15:42:56.000Z","state":"ID","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["I could very possibly <em>lose</em> everything. Not because I have bad <em>credit</em> or dont pay everything on time. My <em>credit</em> and payment history is excellent. I could <em>lose</em> the home I literally put my blood sweat and tears into, and continue to, because AFN, wants to sell a loan they approved based on legitimate, verified facts by their own requests and criteria."],"sub_product":["Home equity loan or line of <em>credit</em> (HELOC)"]},"sort":[14.486373,"3071831"]},{"_index":"complaint-public-v1","_id":"1821374","_score":14.378585,"_source":{"product":"Credit card","complaint_what_happened":"Citibank has asked me to \" verify my information '' in order to allow me access to my account online so that I can review my billing statements and pay my credit card bills. As I am enrolled in their paperless billing, I do not have an alternative to review and pay accounts. The information that is being demanded is information that does not exist : I do not have an ATM card, I do not have a Checking Account and I do not have a PIN number with Citibank. When I have called in to inquire about this issue, they asked me to wait on the line while they \" deregistered '' my account and instructed me to re-register. When I attempted to do I received warning that my account was already registered and to apply for the replacement of my Password and Username. When I attempted to do so I was first greeted with a warning that my account was already registered and to change my password with a challenge question. When I entered that system to change my password and unlock my account, I was greeted with a warning that my account was NOT registered and then asked to register my account. Following those instructions ( again ) gave the same message that my account has already been registered and that I need to login ... which then promptly asked for the Account/PIN and Debit Card numbers which I do not have. \n\nIn the mean time, interest, late fees, penalties and every other charge imaginable I 'm sure is racking up on my account and what 's more, I 'm certain that they are reporting negatively to the bureaus. I 'm attempting to pay my bills, but their call center and their website is preventing me from doing so! \n\nGiven the history of this bank abandoning Texas and continually practicing negatively effecting business against me and others ( reducing credit limits to balances ( increasing balance ratios ) losing customer information ( leading to fraudulent accounts opened ) etc. I 'm not surprise, but certainly am at risk is decrease financial capability because of either technological incompetence on the part of this institution, or a concerted effort to hamper the financial well-being of customers in Texas 's Low-Income Census Tracts.","date_sent_to_company":"2016-03-08T22:08:27.000Z","issue":"Billing statement","sub_product":null,"zip_code":"778XX","tags":null,"has_narrative":true,"complaint_id":"1821374","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2016-03-08T22:08:26.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Given the history of this bank abandoning Texas and continually practicing negatively effecting business against me and others ( reducing <em>credit</em> limits to balances ( <em>increasing</em> balance ratios ) <em>losing</em> customer information ( leading to fraudulent accounts opened ) etc."],"product":["<em>Credit</em> card"]},"sort":[14.378585,"1821374"]},{"_index":"complaint-public-v1","_id":"3450244","_score":14.1171665,"_source":{"product":"Mortgage","complaint_what_happened":"I am reporting this complaint against Ocwen Financial Services and its subsidiary PHH Mortgage Services to request that the escrow of my account be removed from the home loan. \nThe reasons are several and with legal implications, which I list below : # 1 - For several years these corporations included in my home loan a hazard insurance policy that has not fulfilled its legal obligations for me as an insured. An expensive and overvalued policy that does not fulfill its obligations as an insurer and that has my property at high risk of being destroyed, since since Hurricane Irma the roof of the same has deteriorated consistently and continues to happen with high risk for our family. This insurance company XXXX  has refused to attend to our claims about the obvious damage to the roof and other parts of our house ( We attach current photographs of the damages ) and therefore we are demanding that the mortgage company be removed from my account escrow this insurance since from XXXX of this XXXX we decided to choose to buy our own insurance that was already paid in full for the period from XX/XX/XXXX of XXXX until XX/XX/XXXX of XXXX, as it may not be possible for us to be scammed of that way by the Mortgage Company with insurance policies that do not cover the damages of our property. \nAt the same time we want to request the return of all the money that was paid through the escrow account of my loan for this property insurance that does not want to fulfill its legal obligations to pay for the damages occurred to our house.\n\n# 2 - For years also this Home Loan Mortgage arbitrarily and completely illegally forced to include within the Escrow account another Flood Insurance Policy, a policy that according to the Federal Department of Fema is not necessary for our house, since our The property is located in an area that is not at risk of flooding since XXXX, Insurance Policy, which we were fraudulently charged and exaggerated for about over {$3000.00} dollars per year, when in fact the cost of this type of policy In case we decide to have it it does not cost more than {$400.00} dollars per year since the property is excluded from the flood risk zone. \nTherefore, we are demanding that the excessive expenses of this type of flood policy that my property does not need be returned to us. Attach copy of FEMA Documents as evidence of our claim.\n\n# 3 - Likewise, through this claim we are requesting the elimination of the payments of our\nproperty taxes due to the constant late payments and at the wrong time of the Mortgage company to pay the city and the county ( XXXX XXXX Gov ) as the payments made by the Mortgage Company they were made with many months of delay directly affecting my Escrow account with high interest for late payments and at the same time making me lose my Home Exemption benefits to which by law I am entitled as the owner of a property in XXXX XXXX County. \nWe are requesting that in the following my property taxes be paid by me only to be able to make them in the time that the City of XXXX XXXX requires likes as I have approved a Home Exemption of {$25000.00} dollars in my property and I will not lose them because of it of late payments of these mortgage company that do not meet their obligations on time. For more details of the information to your corp taxes must be paid between XX/XX/XXXX of the taxable year and XX/XX/XXXX of the following year, something that has never happened with the payment of my taxes of my property by these Mortgage companies. \nBelow I attach the record of the dates and amounts with absurd increases in the payment for interest and late payments by the Mortgage Company and ultimately end up affecting our family pocket.\n\nRecords of late payments to the city : Payment of year XXXX was pay by mortgage on XX/XX/XXXX Payment of year XXXX was pay by mortgage on XX/XX/XXXX Payment of year XXXX was pay by mortgage on XX/XX/XXXX Payment of year XXXX was pay by mortgage on XX/XX/XXXX Payment of year XXXX was pay by mortgage on XX/XX/XXXX Like you see all this payments they are affecting my package negatively. \nSo I'm requesting the elimination of my escrow account and I pay my own taxes on time without high interest rates and late payments charges.\n\n# 4 For the last months the PHH mortgage company is refusing to receive and credit my loan payments, charges corresponding to the loan and the interest of the loan, a determination that seems completely illegal to me since I am sending month by month and in time the payments corresponding to My loan and interest. I have refused to continue sending the corresponding payments including the escrow due to all the illegal and irregular circumstances of my case that was clearly explain in the points before.\n\nI can not continue to make a payment to a mortgage company that charges me an Escrow account that does not meet the legal expectations of the same, because the insurance imposed by the Mortgage has refused to comply with its obligations for property damage, also for demanding a flood insurance that is not necessary for it, for paying property taxes outside the requirements of the city, carrying additional interest expenses and late payments that directly affect our pocket.\n\nTherefore, we are mandatorily demanding that Escrow be removed from my home loan immediately under penalty of taking other legal alternatives to remedy this problem. \nSincerely, XXXX XXXX XXXX. \nLoan # XXXX PHH Mortgage Services and Ocwen Financial Services","date_sent_to_company":"2019-11-25T22:25:53.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"33176","tags":"Older American","has_narrative":true,"complaint_id":"3450244","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2019-11-25T20:43:47.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["we decide to have it it does not cost <em>more</em> than {$400.00} dollars per year since the property is excluded from the flood <em>risk</em> zone."]},"sort":[14.1171665,"3450244"]},{"_index":"complaint-public-v1","_id":"3809065","_score":13.574134,"_source":{"product":"Checking or savings account","complaint_what_happened":"Complaints against BOA for alleged abuse of discretion and systemic discrimination<br/> Im a foreign resident in the US. I believe I do nothing wrong. But just because of Bank of Americas misleading sales, abuse of discretions, and possible systematic discrimination against ethnic minorities, all my five well-run BOA accounts were closed. In this difficult COVID-19 pandemic time, I cant pay online. I have to go out, again and again, to solve various financial and shopping issues for my family regardless of the risk, in the area with the highest number of infected in my state. \n\nEspecially when I simply searched in XXXX and inquired about the CPDBs complaint data of BOA, I had to suspect that this was BOAs systematic discrimination against disadvantaged customer groups and malicious abuse of the discretionary power granted by the law, to maximize the BOAs own interests., Minimize their risk, and deliberately harm the interests of customers, as the similar discrimination cases of XXXX XXXX, XXXX, and XXXX XXXX in XXXX. \n\nTherefore, I submit the complaint against BOA and ask them to explain the reason for closing my account. I also strongly recommend CFPB implement an investigation to BOA for their suspicion of abuse of discretionary power and systemic discrimination to minority customers. \n\nI. The beginning of the nightmare stems from my trust and goodwill to the BOA Im a foreign XXXX   XXXX living in the US for two years with my family and prepared to apply for my second XXXX XXXX in a university. That means I need to transfer my foreign income to my bank account in the US regularly. To obey the law, I've reported all my foreign income and foreign bank accounts to the IRS and the US Department of Treasury. \n\nEven though I only stay here for two years, I maintain an excellent BOA credit record, so BOA actively contacted me and invited me to open a golden advantage saving account. Unexpectedly, this was a trap, and the nightmare began. \n\nII. I followed BOAs recommendation, supported their business, but they closed all my accounts, and refused to give any explanation. \n\nThe following is the general course of the whole thing : A. In XXXX, the peak of the pandemic, I suddenly received a phone call from a BOA banker, and she tried to sell me their \" Golden advantage saving account. '' I should have refused because during the pandemic, to take care of my children studying at home, my XXXX income also dropped sharply, and I need to rely on my foreign deposits to survive. But I was still trying my best to supporting various small businesses in my community and donated for the front-line workers here. So, when I got the selling call from BOA, I choose to support their business during this difficult time. \n\nB. I drove to their branch office wearing a face mask. During the process to open the advantage account, I told the banker again about my occupation, I will transfer my income from my foreign bank account to my BOA account, and the approximate amount. The banker encouraged me to do the transfer as soon as possible. Their explanation was more average balance in my account, the higher interest rate. \n\nC. To pay for my familys living expenses during the pandemic and my university tuition, I transferred my income from foreign banks to my BOA bank twice. The second transfer was on XX/XX/XXXX. The amount is within the total income Ive reported to the IRS. All from my same-named own foreign bank account. \n\nD. Three days later, on XX/XX/XXXX ( according to their letters XXXX, BOA closed all my two credit cards and three check/saving accounts without any email or phone call. Until XX/XX/XXXX, I received the paper letters from BOA. When I try to discuss with BOA, of course, they stated that according to the agreement, they have the right to close my account without any explanation, and this is a final and wont be reconsidered decision, just for business decision. I believe I do nothing wrong, except trust BOAs selling call, try to support them, followed all their recommendations in this high-risk pandemic time and high-risk area. \n\nIII. Its not an individual case, it is suspected of systematic discrimination and basing BOAs cost-benefit analysis, another XXXX XXXX XXXX. \n\nA. Far more cases than CFPB records I simply searched the similar Bank close my account without explanation cases on the internet and CFPB database and found tremendous cases. \n\nThere are 859 complaints in the past three years about BOA closed their account without any explanation in the CFPB database. many of them are old American, servicemember, and immigrants. in particular, some cases occurred during the epidemic, forcing vulnerable senior customers to go out to seek help and solve the problems. \nThere are more than 38,800 searching results from my ethnic network about BOA closed my account without any explanation. Many of them just international students, new immigrants from my country who need financial relationships with their motherland and believe they do nothing wrong. \nThere are more than 60,500,000 searching results from XXXX about BOA closed my account without explanation. \n\nWe all know that not everyone knew CFPB that has just been established three years ago, and not everyone has the time and ability to file a complaint. The true number of cases should be far more than 859. \n\nB. Similar discrimination case just two years ago In that massive amount of cases, the BOA always says, according to the agreement, they have the right to close the account without any explanation and its a business decision, a final and wont be reconsidered decision. Its quite doubted that this original intention was to protect the discretionary power of the rights and interests of both the bank and the consumer. Still, in practice, it has evolved into a black box only controlled by the bank. It is simple to maximize the banks own interests and minimize risks. Rudely harm the interests of innocent customers, especially minorities. It not only a personal hypothesis but also confirmed by the Discrimination cases of XXXX XXXX, XXXX, and XXXX  in XXXX, especially the XXXX XXXX case in XXXX. According to the XXXX XXXX XXXXXXXX report on XX/XX/2018, XXXX XXXX Accused of Harming Fraud Victims by Closing Accounts, it said : a bank is required by law to investigate whether criminal activity has occurred ( but the bank ) had a simpler solutionclose the account and drop the customer. An ex-staffs complaints reveal the reason, instead of looking into fraud claims, the bank would instead save money by simply closing accounts under the pretext of a business decision. \n\nC. BOA maybe have exactly the same motivation and ability What a familiar taste! Maybe XXXX XXXX cases mainly related to the fraud, not money laundering. But banks can have the same motivation and operating methods. When a suspicious transfer occurs, instead of spending time and money investigating and protecting innocent customers, the bank simply closes the account and abandons the customer. And because of the existence of that we have the right clause, customers can neither know the reason nor make further clarifications. This is indeed a profitable choice for banks without risk and responsibility. \n\nD. Not all the banks like BOA But not all banks abuse this we have the right clause in such a way and ignore the interests of customers. For instance, in my personal experience, two other banks in the US will call the customer to investigate the details of the transfer before the bank does any following actions. That is the reason I express intense anger at the BOAs malicious abuse of discretion and refusal to give any explanation. \n\nE. Harm more to minorities BOAs action perhaps systematic discrimination to Minorities. Especially foreign customers, international students, and new immigrating. First, these groups have more financial relationships with their own countries, which have more possibility to trigger BOAs account closure action. For the second, their poor English prevents them from fully understanding the contract terms drafted by professional lawyers that even most American clients can not understand. For the last, their lack of understanding of the US judicial system makes it difficult for them to protect their rights through legal means. \n\nMoreover, through the preliminary analysis of CFPB data, it has been possible to initially discover the relevance of some BOA complaint records with ethniXXXX minorities. \n\nF. Two departments of the BOA were suspected of malicious cooperation, which further strengthened the banks interests and increased the harm to customers The banks deceptive sales promotion and schizophrenia-like cross-departmental shirk responsibility. In my case, BOAs banker in the branch unusually proactively suggested I open a new account and more transfers, and then the BOAs fraud department closed my account in 3 days, and the bankers in the branch told me it was none of their business. They explain that the branch department can not get more information from their fraud department. But from the perspective of the bank, this is a low-risk and high-return cross-departmental cooperation, which is a \" death trap '' for tens of thousands of innocent customers. For their own KPI,  for more customers and more deposits, the branch department actively encourages customers to open accounts and maintain a higher average balance, increasing the risk of customer accounts being closed. At the same time, the fraud department simply closed the account without investigating any real criminal activities. BOA has won as many customers and deposits as possible and kicked out any risks at a little cost. The mutual excuse of \" the branch banker can not communicate directly with the fraud department '' perfectly resolves the last opportunity for customers to seek help through the bankers. What a perfect '' utilitarianism '' strategy. In fact, whether it is the branch bankers or the fraud department, they all part of the carefully designed architecture of BOA, and they all rely on their customers ' money to support them. \n\nG. Another Ford Pinto Case? Need to be in-deep investigated It is hard to imagine that BOA, a world-famous superbank, knows nothing about the above, lets so many customers suffer, and can not resolve the so-called internal problem that branch banker can not communicate with fraud department, etc.. A more reasonable explanation is that this is another \" XXXX XXXX XXXX. '' It's very possible that BOA has already predicted and evaluated everything, such as how many customers can be attracted by BOAs misleading promotion? How many hidden risk cases are there? how much does it cost to investigate all the risk case? How about close the account directly? What percentage of customer complaints will there be? What percentage of customers will report to CFPB? What percentage of customers will go through legal channels? What is the probability that the bank will lose? How much does BOA need to pay? Comparing the cost of investigating all the risk cases, which one costs more? Basing BOAs risk-return analysis, BOA makes its final and won't be reconsidered business decision. \n\nIV. My Request and advice to CFPB Therefore, I submit the complaint against BOA and ask them to give me an explanation for closing my account. If they think their actions are reasonable, please show me their judgment rules and evidence. According to what Im learning in the university, I believe that BOAs systematic discrimination, which may be based on utilitarianism evaluation, will be a valuable class-action case for law school students. \n\nAnd I also strongly recommend CFPB implement an investigation to BOA for suspected malicious abuse of discretionary power and systemic discrimination by customers. Avoid their careful calculations based on utilitarianism and kick out more innocent customers onto the streets. Although recent policy changes weaken CFPBs authority, I believe only through more in-depth and more comprehensive investigations to huge banks such as BOA and better protection of minority consumers and consumers in XXXX  can we show the high value of CFPB, strengthen CFPBs authority, and protect more people living in the country under the rule of law.","date_sent_to_company":"2020-08-22T19:11:52.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"98034","tags":null,"has_narrative":true,"complaint_id":"3809065","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-08-22T18:40:33.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["They explain that the branch department can not get <em>more</em> information from their fraud department. But from the perspective of the bank, this is a low-<em>risk</em> and high-return cross-departmental cooperation, <em>which</em> is a \" death trap '' for tens of thousands of innocent customers. For their own KPI,  for <em>more</em> customers and <em>more</em> deposits, the branch department actively encourages customers to open accounts and maintain a higher average balance, <em>increasing</em> the <em>risk</em> of customer accounts being closed."]},"sort":[13.574134,"3809065"]},{"_index":"complaint-public-v1","_id":"7256645","_score":13.141555,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Closing its eyes to practices that harmed consumers : The company created financial incentives for dealers to add extra products to loans and then shrugged off whether customers were misled into thinking the add-on products were required. Add-on products, such as vehicle service contracts, are a profit center for Credit Acceptance. They represented about {$250.00} XXXX in revenue in XXXX alone. \nWhen borrowers default on loans, it can lead to severe consequences, including wage garnishment and an inability to borrow money in the future. A default on an auto loan can also lead to the borrower losing their means of transportation, which can cause job loss and a further spiral of damaged credit and financial distress. \n\nThis is not the only action targeting Credit Acceptance for violation of consumer financial protection laws. For example, last year, the Massachusetts Attorney General secured more than {$27.00} XXXX for thousands of families harmed by Credit Acceptance.Hiding the true cost of credit : Since XXXX, Credit Acceptances loan agreements nationwide have said that consumers would pay interest at an average 22 % APR. However, the true cost of credit offered is far higher than what borrowers are told. This is because Credit Acceptances business model pushes dealers to manipulate the prices of vehicles sold to Credit Acceptance borrowers, based on borrowers projected performance. XXXX  then uses the projected collections to decide how much to pay its dealers. \nXXXX  pays dealers less for loans with lower scores because they are riskier, and XXXX  predicts it will collect less. Because XXXX  sets the interest rate for the loan and that interest rate does not change based on borrower risk, XXXX  lending model incentivizes dealers to sell cars at inflated prices, which increases the amount XXXX  pays the dealer. \n5. This means the principal amounts in XXXX  loans are often artificially inflated and far exceed the amount XXXX  expects to collect on the loan or has paid to its dealers. And because XXXX  has shifted the cost of the credit into the principal amount instead of the interest rate, consumers do not know they are paying these hidden costs of credit to finance their vehicles. 12 U.S.C. 5531 ( a ) ,5536 ( a ) ( 1 ), 5536 ( a ) ( 3 ), THEY ARE IN VIOLATION by obscuring the cost of credit for auto loans and taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences, as well as their inability to protect their interests, and for providing substantial assistance to dealers, even though XXXX  knew or should have known the dealers were misrepresenting the voluntary nature of add-on products. THEY JUST HAD A BIG LAWSUIT FOR A HIGH APR RATE AND THATS WHAT THEY DID TO ME MY APR IS XXXX, FINICANCE CHARGE IS WHAT I SUPOSED TO PAY FINCANCE CHARGE IS THE SUM OF ALL CHARGES ( ALL CHARGES ) ACCORDING TO THE LAW 15 U.S. Code 1605 - Determination of finance charge WHICH STATES Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. \n( 2 ) Service or carrying charge. \n( 3 ) Loan fee, finders fee, or similar charge. \n( 4 ) Fee for an investigation or credit report. \n( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. \n( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.","date_sent_to_company":"2023-08-17T15:10:59.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"43228","tags":null,"has_narrative":true,"complaint_id":"7256645","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2023-07-15T20:51:43.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["Because XXXX  sets the interest rate for the loan and that interest rate does not change based on borrower <em>risk</em>, XXXX  lending model incentivizes dealers to sell cars at inflated prices, <em>which</em> <em>increases</em> the amount XXXX  pays the dealer. \n5. This means the principal amounts in XXXX  loans are often artificially inflated and far exceed the amount XXXX  expects to collect on the loan or has paid to its dealers."],"company":["<em>CREDIT</em> ACCEPTANCE CORPORATION"]},"sort":[13.141555,"7256645"]},{"_index":"complaint-public-v1","_id":"5847177","_score":12.639425,"_source":{"product":"Mortgage","complaint_what_happened":"I have been dealing with Loancare on a payment issue for 6 months now and 2 cases have been filed.\n\nThe latest case number was XXXX They initially refused to do anything but after the second case I filed, they finally agreed that they had internal issues and said that they would reverse my negative report with the credit bureaus. It remains to be seen when my credit history is fixed since I can not trust Loancare to do the right thing. \n\nThis complaint is a related one that shows how they constantly send incorrect information resulting in harassment and mental torture. I just received the attached mortgage statement which included a DELIQUENCY NOTICE stating that I risk FORECLOSURE. After the issues I have had with their inefficient payment receipt system and the cases filed earlier on this same mortgage, I started paying online through their website so that there is no third-party bank involved and so that they can not hide behind another process anymore. The attached online log from their website shows all payments made and the statement I just received in the mail shows a different picture. I have complained to them multiple times that their systems are misleading and they continue to claim that nothing is wrong. My payments are scheduled by the XXXX of each month but their systems always show a later date since it takes them time to withdraw funds for some reason only known to them. My payment date should reflect when I pay online and not when they get the funds after their internal delays. All banks and mortgage companies follow that process except Loancare. Even the IRS uses the US Postal Service stamped date. This company is internally biased and does not care about the consumer. Getting them on the phone takes over an hour so that is a waste of time as well. Hence am submitting this complaint since someone needs to set them straight. These kinds of inefficiencies cause confusion and ultimately cost the consumer and we end up losing out. It makes no difference to them since they have nothing to lose. If I did not spend 6 months chasing them with multiple complaints they would never have agreed to fix my credit report. Who pays for all the time and energy that I had to spend chasing them for a mistake they made? And now with the delinquency notice, they are increasing my stress level even more. \nFor a customer who pays on time and is very careful about credit this is a huge issue. I am in the middle of buying a home and due to their fault and incorrect credit report it will cost me hours to try and explain this to the new lender and then I will have to provide all the extra paperwork as well. Why do I have to do this for no fault of mine? \n\nSuch Mortgage companies can not be allowed to operate like this? They have to be held responsible for providing proper service. They just can not charge fines and penalties and hide behind a rule book and have consumers run behind them since we are at the receiving end. They will probably state that their systems are adjusting the balances due to the earlier case as they fix the payment allocation from XX/XX/2021 and generated a statement in error. But that just shows you once again how inaccurate and inefficient their systems are. They just CAN NOT send a delinquency notice if I am not delinquent since foreclosure is no small issue. I can not take this stress anymore and keep chasing them to avoid issues on my end. \n\nI AM NOT DELINQUENT AND TAKE OFFENCE THAT THEY SENT ME SUCH A NOTICE AND MENTIONED FORECLOSURE.","date_sent_to_company":"2022-08-05T18:23:01.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"94587","tags":null,"has_narrative":true,"complaint_id":"5847177","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2022-08-05T17:19:54.000Z","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":["These kinds of inefficiencies cause confusion and ultimately cost the consumer and we end up <em>losing</em> out. It makes no difference to them since they have nothing to <em>lose</em>. If I did not spend 6 months chasing them with multiple complaints they would never have agreed to fix my <em>credit</em> report. Who pays for all the time and energy that I had to spend chasing them for a mistake they made? And now with the delinquency notice, they are <em>increasing</em> my stress level even <em>more</em>."]},"sort":[12.639425,"5847177"]},{"_index":"complaint-public-v1","_id":"10431768","_score":12.40447,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened a Chime checking and savings. A few days later I started getting promotional links to email everyone on my contact list. I emailed 24 people including my daughter.\n\nThe promo link said \" Join me on Chime and we will each get a {$100.00}. Terms apply.\n\nI will attach an email and screenshot showing what we had to do and after 5 weeks of waiting now I am told that the promo was not for {$100.00} but only {$15.00} for my daughter only. I got {$0.00}.\n\n1. My daughter XXXX XXXX to\n\nwhom I sent the link used it right away. She and I discussed it and she was aware of what to do. She did it immediately the same night and changed her direct deposit to send {$200.00} to her chime acct as per the details in the fine print. 2. She had a direct deposit as I did also - hers was for {$200.00}. and mine was for over {$2000.00}. 3. We both setup and used XXXX XXXX and   XXXX XXXX. This is false advertising when a company promises you {$100.00} and you do EVERYTHING in the fine\nprint only to be told sorry XXXX. \n\nI have the terms and conditions also as an attachment. \n\nChime XXXX Chime Financial , Inc. All rights reserved. \nXXXX XXXX XXXX, XXXX XXXX, CA XXXX Please do not reply to this email. The account isnt monitored, and we dont want to miss hearing from you.\n\nIn order for the referring Chime member ( Referrer ) to qualify and receive the {$100.00} monetary referral reward and {$10.00} temporary XXXX  Bonus Limit increase, and for the referred person ( Referred ) to qualify and receive the {$100.00} referral reward, all of the following conditions must be satisfied : ( 1 ) Referrer meets XXXX  eligibility requirements and is part of the XXXX  Referral Incentive campaign ; ( 2 ) Referred has not previously opened a Chime Checking Account ( Account ) ; ( 3 ) Referred opens a new Account between XX/XX/XXXX and XX/XX/XXXX ; ( 4 ) Referred opens the new Account using the Referrers unique referral link ; ( 5 ) Referred receives in the new Account a Qualifying Direct Deposit within 45 calendar days of opening the Account ; and 6 ) Referred activates their physical Chime XXXX Debit Card within 14 days of receiving a Qualifying Direct Deposit. A Qualifying Direct Deposit is a deposit of {$200.00} or more by Automated Clearing House ( ACH ) that comes from your employer, payroll provider, gig economy payer, or benefits payer OR a deposit by Original Credit Transaction ( OCT ) from your gig economy payer. Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as XXXX, XXXX XXXX or XXXX, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be legitimate are not Qualifying Direct Deposits. Members will not be enrolled in XXXX automatically. Referrer Members must qualify for XXXX and enroll manually through the Chime App in order to receive the temporary XXXX  Bonus Limit increase. Members may earn no more than {$50.00} in XXXX  Bonus Limit referral increase and may earn no more than {$1000.00} in monetary referral rewards per calendar year ( XX/XX/XXXX XX/XX/XXXX ). No members XXXX  limit may exceed. Any Referrer XXXX  Bonus limit increase referral reward will expire 184 calendar days from the Referred receiving a Qualifying Direct Deposit. Any earned XXXX Bonus Limit increases from this referral promotion in the Members bonus queue ( Bonus Queue ) not yet added to the Members XXXX limit ( due to the promotional limit cap ) will be added to the Members XXXX  limit on a rolling basis as the previously added XXXX increases from this referral reward expire. Once the temporary XXXX  Bonus Limit ends, Members may no longer earn XXXX increases on this referral promotion, however the earned XXXX bonuses in the Members Bonus Queue will not be lost. If an eligible Referrer loses XXXX eligibility, and the Referred completes the above conditions, the Referrer will receive the {$10.00} temporary XXXX  Bonus Limit increase referral reward only upon regaining XXXX eligibility. Referral rewards will generally be provided within two ( 2 ) business days after all the above conditions are met. The Referrers account must be in good standing in order to receive the referral reward. Referred individuals acknowledge that payment of any referral reward may result in the Referrers knowledge of the Referreds establishment of a new Account or enrollment in a product. Chime reserves the right to cancel or modify the terms of any referral promotion or terminate a member 's eligibility at any time with or without prior notice. Credits of {$10.00} or more will be reported on tax form 1099-INT for new members ( Referred ). If a Chime member receives certain monetary rewards that total {$600.00} or more in one year, this will be reported on tax form 1099-MISC as required for the Chime member. Banking services are provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Members FDIC. \n\nEarly access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. \n\nXXXX  for XXXX XXXX is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. XXXX  on Debit is an optional, no fee service attached to your Chime Checking Account ( individually or collectively, XXXX  ). Eligibility for XXXX  requires {$200.00} or more in qualifying direct deposits to your Chime Checking Account each month.\n\nQualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to in total, but may be later eligible for a higher combined limit of up to {$200.00} or more based on members Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your XXXX  Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your XXXX Limit. Your XXXX Limit may change at any time, at Chime or its banking partners discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. XXXX won't cover non card transactions, including ACH transfers, transfers, or Chime Checkbook transactions. XXXX  Terms and Conditions. \n\nTo apply for XXXX XXXX, you must have received a single qualifying direct deposit of or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House ( ACH ) deposit OR Original Credit Transaction ( OCT ). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as XXXX, XXXX XXXX, or XXXX, mobile check deposits, cash deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.\n\nOut-of-network ATM withdrawal and over the counter advance fees may apply except at XXXX ATMs in a XXXX, or any XXXX XXXX XXXX XXXX XXXX ATM. Bank ranking and number of ATMs according to XXXX XXXX XXXX XXXX XXXX  XXXX. \n\nRound Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your Savings Account.\n\nChime is a financial technology company, not a bank. Banking services provided by XXXX XXXX XXXX XXXXXXXX, Member FDIC. The Chime XXXX  Debit Card is issued by XXXX XXXX XXXX XXXX. pursuant to a license from XXXX XXXX XXXX and may be used everywhere XXXX debit cards are","date_sent_to_company":"2024-10-12T23:20:53.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"77388","tags":"Older American","has_narrative":true,"complaint_id":"10431768","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-10-12T22:30:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Referrer Members must qualify for XXXX and enroll manually through the Chime App in order to receive the temporary XXXX  Bonus Limit <em>increase</em>. Members may earn no <em>more</em> than {$50.00} in XXXX  Bonus Limit referral <em>increase</em> and may earn no <em>more</em> than {$1000.00} in monetary referral rewards per calendar year ( XX/XX/XXXX XX/XX/XXXX ). No members XXXX  limit may exceed."]},"sort":[12.40447,"10431768"]},{"_index":"complaint-public-v1","_id":"1819990","_score":12.34585,"_source":{"product":"Mortgage","complaint_what_happened":"# XXXX-I recently discovered I have continuously been a victim of identify theft throughout more than three quarters of my twenty year marriage, my wife who was in charge of all joint banking, was able unknown to myself acquire numerous credit card accounts without my permission, based on false information provided on her behalf to obtain the credit cards, that I only became aware of when it was suggested I obtain a current credit report. My score had remained consistent at XXXX as I had never fluctuated below a rating of excellent credit during my entire prior credit history established over the period of my life- I am XXXX years old establish a time line to base my complaint on, my credit now ranges approximately at a XXXX rating. A difference of over XXXX points upon first closing numerous accounts that appeared on my XXXX PAGE CREDIT REPORT obtained within days immediately following the Sheriffs Department Removing my now estranged spouse issuing an order of protection and a stay away order that were decided by the judge based on her unexplained XXXX inflicted upon myself and more so our youngest son who is now age XXXX, legally XXXX due to severity of XXXX unable to live alone, I am responsible for his well being and providing for him as I always have. I have full custody, his mother never so much has attempted to contact him or any of our other XXXX children, that I still provide for in addition to situations that have arised requiring financial assistance. Prior our marriage, she had XXXX prior marriages, entering the marriage with XXXX child from each husband, as well as having our only biological child I adopted XXXX of the children and provided no differently for the other XXXX, who no child support was in existence pertaining to their well being. XXXX of the XXXX kids reside with me as well as i assist my step daughter with caring for my granddaughter 5 times weekly at the family residence. \nThe importance of obtaining assistance from the Bureau of Consumer Financial Protection-assistance I was not aware of until recently as I constantly received lack of responses from numerous banking and credit card providers of the situations I have inquired information on after filing complaints based on information my credit report holds, I am a additional card holder on accounts I did not have knowledge of that were only approved to my spouse based on my credit and I stress without my permission. I have great concern as well as what appears to be present on numerous accounts that they were reported FRAUDULENT by the owner which appears was my estranged wife ( we have been involved in supreme court divorce proceedings since the time earlier noted till presently equaling a total of of 16 months ) court proceedings have exhausted what monies I had been left with, which were significantly less than what should have been. I worked 17 years as a XXXX forced to retire due to XXXX needed, I grossed over {$100000.00}. annually. Additionally my credit report contains proof of refinancing and or equity loans against our family residence, that I never knew of, gave permission of, or needed. To say the least the wrong doing on behalf of my own wife, whom I trusted allowed more identity theft and damage resulting in tremendous repercussions of attempting to correct matters has literally allowed more damage than a stranger stealing your identity, my credit score damage is a direct result. I am a XXXX veteran injured during XXXX XXXX my XXXX XXXX + having to post pone the 18-20hr XXXX needed, XXXX, as well as increasing daily risk XXXX. I fear losing my house next which is essential to myself and my family. She needs to be held responsible for illegal actions.As a XXXX I am a man of Honor not disgrace.","date_sent_to_company":"2016-03-07T05:10:28.000Z","issue":"Application, originator, mortgage broker","sub_product":"VA mortgage","zip_code":"11566","tags":"Servicemember","has_narrative":true,"complaint_id":"1819990","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HSBC NORTH AMERICA HOLDINGS INC.","date_received":"2016-03-07T05:10:27.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am a XXXX veteran injured during XXXX XXXX my XXXX XXXX + having to post pone the 18-20hr XXXX needed, XXXX, as well as <em>increasing</em> daily <em>risk</em> XXXX. I fear <em>losing</em> my house next <em>which</em> is essential to myself and my family. She needs to be held responsible for illegal actions.As a XXXX I am a man of Honor not disgrace."]},"sort":[12.34585,"1819990"]},{"_index":"complaint-public-v1","_id":"7722886","_score":12.329144,"_source":{"product":"Mortgage","complaint_what_happened":"In XXXX XXXX XXXX we were approved for and closed on a Construction to Permanent Loan with Ameris Bank for {$680000.00}. We were told on several occasions that this loan would be a XXXX time close upfront. The interest rate that we locked in at was XXXX, we paid roughly about {$180000.00} at closing. We were told that at the end of the construction process, all that would be required is to modified the loan from construction to into a mortgage and in the event we didnt use all of the funds, they would make that adjustment. We were told that we would not need to go back to closing. I was told by the loan officer that our credit reports would not need to be pulled again or any financial documents would be requested or required as long as the construction was completed within XXXX  months. A few months into the construction phase we realized that the loan we received would not be enough to build the house due to inflation and higher cost of materials and supplies so I went back to the loan officer and asked if he could request for a loan increase. He said that the bank would not give us anymore money and if I could ask family members for help. I told him that our family didnt have those kind of money and that I would look into obtaining credit cards to help with the construction cost, at no point was I told or advised not to. I asked again via email if our credits would be pulled again and he assured me that as long as the house was finished before the XXXX months period our credits would not need to be pulled again. XXXX months before the XXXX month period I received an email from the bank stating that they needed to pull our credit reports again. I explained to them that our credit had changed due to us having to get credit cards to finish building the house because the loan amount given was not enough. They said that I would need to go back to closing and the loan would have to go back through underwriting. I reached out to the loan officer with my concerns and he said something had changed with the loan terms why that is required. I asked him if we were at risk for losing our home and if I should contact a lawyer he said no. The construction of the house was finished a month before the XXXX month period where we obtained the Certificate of Occupancy. The bank went on to the send the loan back through underwriting and had us believe that they would not finance the mortgage and that another lender would have to take over the loan. At this point our rental lease had expired and we had no where to live and we feared that we would lose our home that we just spent the last XXXX  building and invested all of our lives savings, we were essentially forced to sign new loan documents which they still labeled as a modification, we had to go back to closing with more money for closing fees and got a interest rate of 7.625 %. We reached out to a law firm after the fact and had them reviewed the documents and they informed us that Ameris Bank was wrong to take us back to closing and given us a higher interest rate which made our mortgage payment higher. He said that the bank illegally refinanced the loan without them using that exact terminology which they called a modification. He advised us to to fie a complaint with the Consumer Financial Protection Bureau. I filed a reviewed detailing the issues that weve had with the hopes that someone from Ameris Bank would reached out to us to rectify the situation but after waiting for a month with no response we had no choice but to file to CFPB and hope that the wrongs done to us will be made right and to hopefully prevent this from happening to another customer. I have attached a few copies of email transcripts that I was told that our credits would not be pulled again. I have all emails if required.","date_sent_to_company":"2023-10-18T14:33:57.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"30019","tags":"Servicemember","has_narrative":true,"complaint_id":"7722886","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERIS BANCORP","date_received":"2023-10-18T13:11:28.000Z","state":"GA","company_public_response":null,"sub_issue":"Changes in loan terms during or after closing"},"highlight":{"complaint_what_happened":["At this point our rental lease had expired and we had no where to live and we feared that we would <em>lose</em> our home that we just spent the last XXXX  building and invested all of our lives savings, we were essentially forced to sign new loan documents <em>which</em> they still labeled as a modification, we had to go back to closing with <em>more</em> money for closing fees and got a interest rate of 7.625 %."]},"sort":[12.329144,"7722886"]},{"_index":"complaint-public-v1","_id":"2785390","_score":12.19359,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX To whom it may concern : This letter is a complaint against Carrington Mortgage Services , LLC based in California and Texas. I am filing this complaint because I believe I am getting unfair treatment in the loan modification I was approved for in XX/XX/XXXX. \nTime line : Searched for home in XX/XX/XXXX Found place in XX/XX/XXXX Obtained financing for loan for down payment through my retirement savings. \nSecured loan through Carrington Mortgage Services at 6 %. \nAfter negotiating accepted price. \nXXXX XXXX who used to work at Carrington messed up on loan documents where she did not secure enough funds to cover the escrow account. On the day of closing XXXX XXXX did not fax the documents over and was still recalculating numbers at XXXX XXXX XXXX XXXX. I sat at the lawyers office from XXXX XXXX XXXX XXXX to after XXXX XXXX. In the end she was asking that I put down more money at which time I had already put down {$21000.00} taken from my retirement fund. \nSix months later my mortgage payment was being increased due to this error. \nIn XX/XX/XXXX, I refinanced property to lower payment from {$1400.00} to {$1300.00}. Payment was manageable. \nIn XX/XX/XXXX received another notice that mortgage was increasing to {$1500.00}. Not enough escrow in account. In addition property taxes increased slightly. Negotiated with Carrington to have shortage spread out over a year. New payment now {$1500.00}. Over what I could afford but still paid it. \nApplied for a loan modification and was accepted. New payment was decreased by only XXXX. After finding out that I would have to repay {$18000.00} upon the sale of the home, I declined the modification and continued to pay the {$1500.00} plus late fees. I was told that my home could be foreclosed on if I paid late. \nPayments were late but never rolled over into next month. Suffered by paying late fees in addition I paid overdraft fees in excess of {$300.00} per month to bank to cover mortgage and utilities. \nSought help in the Virginia Cooperation Housing organization. Representative convinced me to reapply for a loan modification because that was the best option and that Carrington would help me. I reapplied in XX/XX/XXXX/XX/XX/XXXX and was denied because Carrington stated that I had not  submitted all the paperwork. Paperwork was submitted through the representative at the Housing organization supposedly helping me. I called Carrington and was told to reapply and make sure I submitted all the required documents. I did so in XX/XX/XXXX and was approved. I received the paperwork for the trial period and was told in the document to not make my normal payment in XX/XX/XXXX but to start making the trial period payment of {$1200.00} in XX/XX/XXXX. I phoned  Carrington I followed those instructions. No representative of Carrington ever disclosed that I would be reported to the credit bureaus as paying late. Which is what they did. \nThey have blocked me from viewing my account in XX/XX/XXXX when the modification was approved but I am able to now go into documents and view statements showing payments late and notes a risk of foreclosure on home if payments are not brought up to date. Ive received several letters since applying for the loan modification all providing conflicting information. ( see enclosed. ) Is there any legal action I can take to remedy this situation against this company? I feel I have been taken advantage of and no one at Carrington cares about their customers. \nEver since moving into this property I have no peace of mind and worry that their deceptive practices will still cost me my home and I lose the investment of {$21000.00} I used to purchase this place. Each document I received gave different information which is confusing to the recipient. If it is the practice of Carrington Mortgage to notate customers late on payments they should provide that information upfront when I asked them. No representative I spoke to told me to continue to make XX/XX/XXXX and XX/XX/XXXX's payment.\n\nSincerely, XXXX XXXX XXXX Enclosures","date_sent_to_company":"2018-01-17T21:09:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"220XX","tags":null,"has_narrative":true,"complaint_id":"2785390","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CARRINGTON MORTGAGE SERVICES, LLC","date_received":"2018-01-17T20:52:48.000Z","state":"VA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["In the end she was asking that I put down <em>more</em> money at <em>which</em> time I had already put down {$21000.00} taken from my retirement fund. \nSix months later my mortgage payment was being <em>increased</em> due to this error. \nIn XX/XX/XXXX, I refinanced property to lower payment from {$1400.00} to {$1300.00}. Payment was manageable. \nIn XX/XX/XXXX received another notice that mortgage was <em>increasing</em> to {$1500.00}. Not enough escrow in account. In addition property taxes <em>increased</em> slightly."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.19359,"2785390"]},{"_index":"complaint-public-v1","_id":"14802112","_score":12.087451,"_source":{"product":"Debt or credit management","complaint_what_happened":"Formal Complaint Against National Debt Relief To Whom It May Concern, I am filing a complaint against National Debt Relief ( NDR ) due to deceptive practices, misrepresentation, and financial and emotional harm I experienced while enrolled in their program. \n\nBackground : I contacted NDR after seeing social media ads promising debt relief through low monthly payments. I was trying to pay off credit cards to afford my student loans, which Id believed would be forgiven for working at a Title I school, but later learned would not be.\n\nEnrollment and Promises : NDR claimed they would negotiate with each creditor individually and that the average fee would be about 14 % of the debt amount. I was quoted a monthly payment of {$340.00}, with the possibility of a slight increase. I was told : NDR would contact all creditors about my enrollment and intent to settle. \nThey would handle all communication ; I was not to speak to creditors. \nIf I were sued, an attorney would represent me at no extra cost. \n\nBased on these assurances, I enrolled in the program. \n\nMisuse of Funds and Lack of Action : After months of paying, I realized that out of approximately {$6000.00} paid into the program, less than {$1500.00} had been sent to creditors. The rest went to administrative fees and undisclosed third parties. NDR then claimed my original {$17000.00} debt had grown to {$20000.00} due to ongoing interest and fees which accumulated because creditors were never contacted.\n\nNDR repeatedly told me not to contact creditors, leaving me completely in the dark. \n\nLawsuits and Medical Impact : Despite being told lawsuits were unlikely, I was sued by XXXX creditors. I had to settle both for more than the original balances. NDR still charged me additional fees. After filing a XXXX  complaint, NDR began calling me excessively, pressuring me for more money. These long, stressful calls caused my XXXX XXXX to spike to dangerous levels, ultimately leading to a three-day hospital stay. \n\nTax Complications : Although I had paid settlements through NDR, I received XXXX 1099-C forms from creditors claiming they had forgiven the debts causing me to lose my tax refund. This created further financial hardship and confusion. \n\nXXXX XXXX and Broken Agreements : After working with a manager to reconcile every transaction including agreeing to pay an additional {$300.00} to cover any shortfalls NDR still reversed payments and began renegotiating accounts I had already settled. I discovered payments were going to parties I never authorized, and promises made during calls were not honored. \n\nDue to the emotional toll and health risk, I requested that all communication be handled via email. My request was ignored, and phone calls continued. \n\nFinal Termination Without Closure : After a second XXXX  complaint, NDR canceled my account which I had asked for but failed to : Release my accounts in writing Provide a complete, accurate breakdown of payments Return funds that were not applied toward debt Supporting Evidence : I have documented every step : recorded phone calls, emails, payment records, and settlement receipts. I am requesting an investigation into this companys practices and the return of any funds not paid to creditors. I am also requesting formal account releases so I can resolve the remaining debts directly and protect my financial future.","date_sent_to_company":"2025-07-22T19:58:53.000Z","issue":"Didn't provide services promised","sub_product":"Debt settlement","zip_code":"710XX","tags":null,"has_narrative":true,"complaint_id":"14802112","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NATIONAL DEBT RELIEF LLC","date_received":"2025-07-22T19:34:03.000Z","state":"LA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I was trying to pay off <em>credit</em> cards to afford my student loans, <em>which</em> Id believed would be forgiven for working at a Title I school, but later learned would not be.\n\nEnrollment and Promises : NDR claimed they would negotiate with each creditor individually and that the average fee would be about 14 % of the debt amount. I was quoted a monthly payment of {$340.00}, with the possibility of a slight <em>increase</em>. I was told : NDR would contact all creditors about my enrollment and intent to settle."],"product":["Debt or <em>credit</em> management"]},"sort":[12.087451,"14802112"]},{"_index":"complaint-public-v1","_id":"13143190","_score":11.927547,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX XXXX Submission to CFPB : Timeline and Concerns 1. Initial Agreement and Deferral - Date of Last Payment : XX/XX/XXXX ( the last mortgage payment made ). \n- Deferral Program Initiation : Contact from the bank on XX/XX/XXXX ; signed deferral agreement. \n- Initial Insurance Company Issue : Gave the bank {$5000.00} to resolve escrow account issues. Unclear where the money was allocated. \n- Principal Balance at Time of Initial COVID Deferral : Pre- {$5000.00} payment, {$20000.00}, with an additional escrow balance of {$950.00}. \n\n2. Original Loan Repayment Plan - Loan Repayment Plan : Initiated on XX/XX/XXXX with payments of {$1000.00} principal and {$340.00} escrow, maturing on XX/XX/XXXX. \n- Payment History : Consistently made overpayments between {$1500.00} and {$1700.00} a month for 15 years. \n\n3. COVID-19 Impact - Reluctance to Enter Deferral : Hesitant due to the short remaining life of the loan ( 1 year ). \n- Understanding of Terms : Believed the deferment was temporary, with payments added at the end of the loan without additional obligations. \n\n4. Resumption of Payments - Resumption Notification : Notice to resume payments on XX/XX/XXXX with a reduced payment based on escrow adjustments. \n- Payments Made : Paid {$1600.00} on XX/XX/XXXX and XX/XX/XXXX, and {$1700.00} on XX/XX/XXXX over the phone. \n\n5. Issues Encountered - Paperwork Lost by Bank : XXXX, unable to make payment over the phone or via BOA account. Bank claimed they did not receive necessary paperwork; requested full payment balance despite consistent communication. Paperwork was sent by them with a prepaid return label. \n- Loan Modification Pressure : XX/XX/XXXX, forced into a loan modification despite being able to make normal payments pre-COVID. Refused to enter another loan agreement. \n- Communication Issues : Bank refused to communicate via email. When I attempted to switch my communication to email, they sent communications through the bank 's website or mortgage account inbox, which I was unable to view because they froze my account after they lost my paperwork. \n- Legal Representation : Due to these issues, I had to hire legal counsel to assist in navigating the situation. \n\n6. Court Proceedings - Court Appearance : Told to make minimum payments. Assured no risk of losing the home and made aware of payoff date plan by cashing out my retirement plan to cover the life of the loan on XX/XX/XXXX. \n- Next Steps with Bank : Made aware through court to make payments during the trial period of mortgage modification, despite being adamant about not entering another agreement. Signed nothing. Only allowed to pay the {$690.00} payments for XXXX, XXXX, XX/XX/XXXX over the phone. Told I couldnt pay more via customer service or only other option after XX/XX/XXXX was full payoff amount via phone. \n- XX/XX/XXXX, called to make payment for XX/XX/XXXX and wouldnt accept payment. Told to contact lender again. \n- XX/XX/XXXX, received funds to pay off loan and called to pay in full but was unable to because balance increased to {$31000.00}. \n\n7. Current Situation - Increased Balance : Received XX/XX/XXXX notification that balance had increased to {$45000.00} unexpectedly. Not allowed to pay. \n- Escrow Overpayment : Based on calculations, there should have been an overage of {$3200.00} in the escrow account as of XX/XX/XXXX before the 3 payments of {$690.00} were paid. \n- Impact on Health : Severe mental health strain noted due to the situation and the impact on credit. \n-sale of my home Posted for XXXX XXXX and motion filed to strike and starting finacial audit on bank. So my one year left of loan has now cost me my credit score and more money. Only fault I did was sign the deferment to begin with. But prior to covid I was reluctant but still had faith. \n\nXXXX XXXX XXXX Conclusion This timeline and accompanying documentation highlight my serious concerns with Bank of America and their handling of my mortgage. I am seeking CFPB 's assistance in rectifying these discrepancies and ensuring fair treatment in resolving this matter. \n\nThank you for your attention to this pressing issue.","date_sent_to_company":"2025-04-23T18:41:15.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"180XX","tags":null,"has_narrative":true,"complaint_id":"13143190","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-04-23T18:14:34.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["- Impact on Health : Severe mental health strain noted due to the situation and the impact on <em>credit</em>. \n-sale of my home Posted for XXXX XXXX and motion filed to strike and starting finacial audit on bank. So my one year left of loan has now cost me my <em>credit</em> score and <em>more</em> money. Only fault I did was sign the deferment to begin with. But prior to covid I was reluctant but still had faith."]},"sort":[11.927547,"13143190"]},{"_index":"complaint-public-v1","_id":"7251753","_score":11.899433,"_source":{"product":"Mortgage","complaint_what_happened":"Working with fifth third bank I submitted to them an application for a physician loan 0 % down. I was approved for 10 % down due to credit score being one point lower than their requirement in the context of having on a big trip and having a large credit card bill due to an international trip. Spoke with a lender at that time who advised that they could re-run my credit score and would be able to then upgrade to 0 % down. Re-run credit score, but read it prematurely so the number was still the same. At that point sent to underwriting with 10 % down. \nI clarified with the lender that rerunning the score would still be a possibility and that a 0 % down loan would still be a possibility even after signing paperwork and submitting payment. The loaner guaranteed over email on XX/XX/XXXX that 0 % down would be guaranteed if I were to present a higher credit score. At this time I paid for my own credit report, which was at that time XXXX  points over the requirement for 0 % down and resubmitted this credit score. Lender did not answer emails for myself and my real estate agent regarding adjusting loan terms or regarding other issues such as appraisal. Eventually, due to persistent lack of response from lender reached out and got in contact with his boss. At this time now 2 1/2 weeks after their agreement to still honor, the 0 % down, assuming the credit score had increased, and after having paid them. Supervisor at this point says it was against Bank policy to have ever run a second credit score and a third one would not be run. Recommended that I submit an appeal to get 0 % down loan not understanding that already it had been approved by prior lender and this is an over {$25000.00} expense. Set it at XXXXXXXX XXXX the Friday before closing, which is on Thursday in a state that requires XXXX hour turnaround before signing contract that it had been approved only at 5 % down. The 100 % was not able to be granted as an exemption after being explicitly, provided to me in writing that increasing my credit score was the only requirement to do this. Secondary to this set an a requirement for additional money gift loans in order to be able to get this money and documentation of all of the above again 15 minutes before the bank closed on Friday when all paperwork must be submitted on Monday. Despite multiple phone calls to both loaner and supervisor, nobody has been willing to address my concerns or attempt to problem. Self persistently insist that they will not violate bank policy while they have persistently been violating policy and have already run her credit score twice even though it's supposedly been their policy for over a decade to never run it more than once. Unwilling to refund money, provided with initial loan terms for their services based on genuinely held belief that they were offering me a 0 % down loan and unwilling to work with me to provide any sort of financial or material compensation, given the fact that my closing is likely to be delayed, and I am likely to have to pay funds for a hotel in the time while I'm waiting for the closing, and hopefully do not lose the home. \nThe supervisor I speak to repeatedly says he understands my position or that their behavior was not acceptable that he apologizes that this occurred, but has made XXXX genuine effort to resolve the problem. Despite the fact that he says, he's working on, it is unable to offer a suitable solution. After appeal fails, then says oh maybe I will go to the senior manager on Monday when the senior manager should have initially been the one to be involved in the situation when responses were not occurring. Overall lack of concern, and regard for the position that they have placed me in, and for the fact that they granted me permission to have one sort of loan in writing, and then pulled back. Effectively misrepresented their company, their policies and the risk they were asking me to take in order to collect money and make a sale. If you were not able to get a resolution, legal action is next.","date_sent_to_company":"2023-07-15T01:57:05.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"105XX","tags":null,"has_narrative":true,"complaint_id":"7251753","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2023-07-15T01:43:31.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Set it at XXXXXXXX XXXX the Friday before closing, <em>which</em> is on Thursday in a state that requires XXXX hour turnaround before signing contract that it had been approved only at 5 % down. The 100 % was not able to be granted as an exemption after being explicitly, provided to me in writing that <em>increasing</em> my <em>credit</em> score was the only requirement to do this."]},"sort":[11.899433,"7251753"]},{"_index":"complaint-public-v1","_id":"9238001","_score":11.857751,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be re-verified and removed : I have attached the proof that the above items are inaccurate for your convenience. XXXX XXXX XXXX Under the FCRA XXXX you must re-verify the items and get them removed within 30 business days of receipt of this letter, to avoid violation of the law. Please notify me of the changes and forward me the updated copy of my credit report to the address referenced above. I have highlighted all the inaccurate information that has been reporting as well as the incorrect information that the company has provided, which proves that this company XXXX XXXX pushes dealers to sell cars with hidden interest costs and surreptitiously include expensive add-on products with vehicle sales. The complaint further alleges that XXXX XXXX applies complicated algorithms to predict how much it is likely to collect from borrowers to determine how much to offer dealers for each loan, resulting in high-cost loanswith annual percentage rates ( XXXX ) often exceeding state usury capsmade without regard for borrowers ability to repay, while still yielding profits for XXXX XXXX. A significant number of XXXX XXXX most credit-constrained borrowers become delinquent on their loans within the first year, and many also lose their cars to repossession and auction or suffer other negative effects from the loans. The joint complaint alleges that XXXX XXXX is engaging in deceptive acts or practices in violation of the Consumer Financial Protection Act of 2010 by misrepresenting key loan terms, including the true principal, finance charge, and XXXX. The joint complaint further alleges that XXXX XXXX is engaging in abusive acts or practices by taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences associated with its loans and taking unreasonable advantage of consumers inability to protect their interests in selecting or using XXXX XXXX XXXX. The joint complaint also alleges that XXXX XXXX substantially assists dealers in the deceptive sale of add-on products. The complaint seeks permanent injunctive relief, damages, and civil money penalties. My {$5000.00} downpayment was never even applied towards my loan balance it actually increased from XXXX to XXXX how was that possible. The fact that they advised that car dealership never file a claim for the engine is strange to me the car sat at the dealer car shop allegedly going back and forth requesting. The car dealership has actually gone out business backup for its practices as well. \n\nI have written about this company several times and each time more inaccurate information is added to my credit profiles. XXXX has stated that they could not locate my credit profile, however they update more inaccurate information for this account 76 days ago that I have attached. I would like this account removed from my credit profile immediately. This company practices were investigated and deem to be in a class action lawsuit they have agreed to remove all charges as well. Please I would like to obtain monetary compensation at this point for the reporting of the inaccurate information that these companies keep places on my credit profile.","date_sent_to_company":"2024-06-12T04:47:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32824","tags":null,"has_narrative":true,"complaint_id":"9238001","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-12T04:47:56.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have written about this company several times and each time <em>more</em> inaccurate information is added to my <em>credit</em> profiles. XXXX has stated that they could not locate my <em>credit</em> profile, however they update <em>more</em> inaccurate information for this account 76 days ago that I have attached. I would like this account removed from my <em>credit</em> profile immediately. This company practices were investigated and deem to be in a class action lawsuit they have agreed to remove all charges as well."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.857751,"9238001"]},{"_index":"complaint-public-v1","_id":"9238000","_score":11.857751,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be re-verified and removed : I have attached the proof that the above items are inaccurate for your convenience. XXXX XXXX XXXX Under the FCRA XXXX you must re-verify the items and get them removed within 30 business days of receipt of this letter, to avoid violation of the law. Please notify me of the changes and forward me the updated copy of my credit report to the address referenced above. I have highlighted all the inaccurate information that has been reporting as well as the incorrect information that the company has provided, which proves that this company XXXX XXXX pushes dealers to sell cars with hidden interest costs and surreptitiously include expensive add-on products with vehicle sales. The complaint further alleges that XXXX XXXX applies complicated algorithms to predict how much it is likely to collect from borrowers to determine how much to offer dealers for each loan, resulting in high-cost loanswith annual percentage rates ( APR ) often exceeding state usury capsmade without regard for borrowers ability to repay, while still yielding profits for XXXX XXXX. A significant number of XXXX XXXX most credit-constrained borrowers become delinquent on their loans within the first year, and many also lose their cars to repossession and auction or suffer other negative effects from the loans. The joint complaint alleges that XXXX XXXX is engaging in deceptive acts or practices in violation of the Consumer Financial Protection Act of 2010 by misrepresenting key loan terms, including the true principal, finance charge, and APR. The joint complaint further alleges that XXXX XXXX is engaging in abusive acts or practices by taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences associated with its loans and taking unreasonable advantage of consumers inability to protect their interests in selecting or using XXXX XXXX XXXX. The joint complaint also alleges that XXXX XXXX substantially assists dealers in the deceptive sale of add-on products. The complaint seeks permanent injunctive relief, damages, and civil money penalties. My {$5000.00} downpayment was never even applied towards my loan balance it actually increased from XXXX to XXXX how was that possible. The fact that they advised that car dealership never file a claim for the engine is strange to me the car sat at the dealer car shop allegedly going back and forth requesting. The car dealership has actually gone out business backup for its practices as well. \n\nI have written about this company several times and each time more inaccurate information is added to my credit profiles. XXXX has stated that they could not locate my credit profile, however they update more inaccurate information for this account 76 days ago that I have attached. I would like this account removed from my credit profile immediately. This company practices were investigated and deem to be in a class action lawsuit they have agreed to remove all charges as well. Please I would like to obtain monetary compensation at this point for the reporting of the inaccurate information that these companies keep places on my credit profile.","date_sent_to_company":"2024-06-12T04:47:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32824","tags":null,"has_narrative":true,"complaint_id":"9238000","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-06-12T04:47:56.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have written about this company several times and each time <em>more</em> inaccurate information is added to my <em>credit</em> profiles. XXXX has stated that they could not locate my <em>credit</em> profile, however they update <em>more</em> inaccurate information for this account 76 days ago that I have attached. I would like this account removed from my <em>credit</em> profile immediately. This company practices were investigated and deem to be in a class action lawsuit they have agreed to remove all charges as well."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.857751,"9238000"]},{"_index":"complaint-public-v1","_id":"9238015","_score":11.828661,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be re-verified and removed : I have attached the proof that the above items are inaccurate for your convenience. XXXX XXXX XXXX Under the FCRA XXXX you must re-verify the items and get them removed within 30 business days of receipt of this letter, to avoid violation of the law. Please notify me of the changes and forward me the updated copy of my credit report to the address referenced above. I have highlighted all the inaccurate information that has been reporting as well as the incorrect information that the company has provided, which proves that this company XXXX XXXX pushes dealers to sell cars with hidden interest costs and surreptitiously include expensive add-on products with vehicle sales. The complaint further alleges that XXXX XXXX applies complicated algorithms to predict how much it is likely to collect from borrowers to determine how much to offer dealers for each loan, resulting in high-cost loanswith annual percentage rates ( APR ) often exceeding state usury capsmade without regard for borrowers ability to repay, while still yielding profits for XXXX XXXX. A significant number of XXXX XXXX most credit-constrained borrowers become delinquent on their loans within the first year, and many also lose their cars to repossession and auction or suffer other negative effects from the loans. The joint complaint alleges that XXXX XXXX is engaging in deceptive acts or practices in violation of the Consumer Financial Protection Act of 2010 by misrepresenting key loan terms, including the true principal, finance charge, and APR. The joint complaint further alleges that XXXX XXXX is engaging in abusive acts or practices by taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences associated with its loans and taking unreasonable advantage of consumers inability to protect their interests in selecting or usinXXXX XXXX XXXX loans. The joint complaint also alleges that XXXX XXXX substantially assists dealers in the deceptive sale of add-on products. The complaint seeks permanent injunctive relief, damages, and civil money penalties. My {$5000.00} downpayment was never even applied towards my loan balance it actually increased from XXXX to XXXX how was that possible. The fact that they advised that car dealership never file a claim for the engine is strange to me the car sat at the dealer car shop allegedly going back and forth requesting. The car dealership has actually gone out business backup for its practices as well. \n\nI have written about this company several times and each time more inaccurate information is added to my credit profiles. Transunion has stated that they could not locate my credit profile, however they update more inaccurate information for this account 76 days ago that I have attached. I would like this account removed from my credit profile immediately. This company practices were investigated and deem to be in a class action lawsuit they have agreed to remove all charges as well. Please I would like to obtain monetary compensation at this point for the reporting of the inaccurate information that these companies keep places on my credit profile.","date_sent_to_company":"2024-06-12T04:47:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32824","tags":null,"has_narrative":true,"complaint_id":"9238015","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-12T04:36:11.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have written about this company several times and each time <em>more</em> inaccurate information is added to my <em>credit</em> profiles. Transunion has stated that they could not locate my <em>credit</em> profile, however they update <em>more</em> inaccurate information for this account 76 days ago that I have attached. I would like this account removed from my <em>credit</em> profile immediately. This company practices were investigated and deem to be in a class action lawsuit they have agreed to remove all charges as well."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.828661,"9238015"]},{"_index":"complaint-public-v1","_id":"6594903","_score":11.764487,"_source":{"product":"Mortgage","complaint_what_happened":"I purchased my house in XXXX of XXXX. I refinanced my mortgage in XXXX of XXXX, and upgraded my insurance policy at that time, paying a little over {$950.00} a year. The insurance premium was due in XX/XX/XXXX, and the mortgage company did not pay it and got my policy cancelled. Neither they or I was aware of the cancelled policy until XXXX of XXXX when the mortgage company contacted me by phone to tell me that I had no insurance on my property. It is difficult to find reasonably priced insurance policies in my area because of wildfire risk, but I was able to find a policy with the XXXX  XXXX XXXX which cost {$3500.00} per year, as well as a wrap around policy for an additional {$700.00}. I contacted the mortgage company about the policies and informed them that I think they should pay the difference in price since their mistake lead to my losing the previous policy. They countered by informing me that I owed them {$1200.00} for insurance that was not in effect in the previous year. They attempted four times to collect that {$1200.00} charge but I paid an attorney about {$660.00} to write a letter objecting to this and they finally relented. In the meantime I continued making my previous payment of {$950.00} while arguing that they should cover any increases in insurance premiums, but they would not communicate with me at all. I found out in XXXX that they added {$3300.00} to my principal balance and denied doing so when I asked them about it. Soon after that I was able to find an insurance policy for about {$2900.00}, which was slightly better than the {$4200.00} the other policy cost me. The mortgage company was sending me statements informing me of a new payment amount of {$1400.00}, then {$3300.00}. I tried repeatedly to talk to the mortgage company about how their mistake cost me my reasonably priced insurance policy, and that they should pay the difference, but that went nowhere. I then started receiving notices that I was in default even though I continued to make my regular payment amount, not missing any payments. When they threatened foreclosure I decided to make up the difference that they claimed I owed. By the end of XX/XX/XXXX I paid them about {$6600.00} additional payments, as well as the {$3300.00} added to my mortgage principal amount, while they reported to the credit agencies that I had missed or was late on several payment causing my credit score to drop XXXX points. After I made the additional payments to keep my house out of foreclosure they informed me that my next XXXX payments would be {$1900.00}, over XXXX XXXX dollars more than my previous payment amount, adding up to over {$20000.00} in an 18 month timeframe in additional payments to cover a {$2900.00} insurance policy. I had a XXXX of good luck recently in that I was informed that my mortgage had been sold to a different mortgage company and I was able to contact them and they are looking into the loan. I have documentation to back up all that I have stated, but I will with hold attaching them unless requested as it would be very time consuming to send them all now.","date_sent_to_company":"2023-02-20T21:27:25.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"936XX","tags":"Older American","has_narrative":true,"complaint_id":"6594903","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PRIMARY RESIDENTIAL MORTGAGE","date_received":"2023-02-20T20:35:30.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["It is difficult to find reasonably priced insurance policies in my area because of wildfire <em>risk</em>, but I was able to find a policy with the XXXX  XXXX XXXX <em>which</em> cost {$3500.00} per year, as well as a wrap around policy for an additional {$700.00}. I contacted the mortgage company about the policies and informed them that I think they should pay the difference in price since their mistake lead to my <em>losing</em> the previous policy."]},"sort":[11.764487,"6594903"]},{"_index":"complaint-public-v1","_id":"3571866","_score":11.472342,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This is a complaint against American Express and XXXX XXXX Credit Card Services for credit card transactions I had incurred from XX/XX/XXXX through to XX/XX/XXXX, for the purchases of gift cards that were intended to fix my computer security issues. \n\nI am disputing all the charges for the second time, in light of proof that I have traced that the gift cards were used to purchase merchandise, rather than as instruments to fix my computer security issues, which is the very reason I purchased them. \n\nI purposefully used the credit card companies to protect me as a consumer and card member for services that require third parties, particularly for Consumer Protection Guarantee, so that I receive the services I pay for using their card services. This time, the companies are telling me that I am responsible for purchasing the merchandise and for having them mailed to an address or addresses which are not my own home address. Details of the shipping address or addresses of the merchandise are available with the police department of my city, as the stores are legally not allowed to release that data to me. \n\nI have had computer security issues for some months now, and this started when my identity was stolen in XXXX and the IRS spotted the fraudulent use of my social security number. \n\nI had received phishing emails in the last months of XXXX, two of my cards were used in places I did not go to, for purchases made through a third party I do not use. \n\nIn XXXX, I had issues with my computer screen where I had saved the XXXX telephone number that I used to call and be called from to deliver and pick up my computer after repairs. This telephone number is the very same number you would call if you have an XXXX subscription. \n\nOn XX/XX/XXXX, after sending off to XXXX  Contact Support one of the phishing emails with fake purchases phishing for my XXXX XXXX, I get a call from that same XXXX   number, XXXX, which of course I picked up, thinking they were XXXX  calling to fix my computer security issues. \n\nAs it had turned out, a group posing as XXXX XXXX XXXX had masked the XXXX telephone number. The actors first give me a fake XXXX  Case number and then proceed to ask me to type commands on the XXXX app or the XXXX XXXX app on my XXXX to show me I had 139 hacking connections. I later learned from the XXXX XXXX XXXX   that is a tactic they use to make it appear that I have hacking connections, but they were merely wi-fi connections I had previously used. I am not an XXXX XXXX  technician and I know a million other XXXX users who would not know the difference. The actors then ask me what other signs I had been getting that I had security issues. I name all the issues I have been having. They then tell me I need security keys to de-hack my computer. This is where the gift cards come in. At a time of fear of losing work and family data accumulated over the years, I did what I was asked to do, which is buy the gift cards by the $ XXXX and sit in my car and give them the gift card numbers and their access codes. At the end of the first day, after spending at least a {$1000.00} on gift cards, I ask them how XXXX will pay me back. They then send me an email of refund for the same amount spent each day on gift cards. This occurred for four days in total. I would repeatedly ask each day how XXXX will refund me all that money. The actor would say, XXXX will not risk their reputation not paying you back for such a small amount. A fake checks picture is also produced on the third day for the total spent for three days. To increase the risk of having more hacking connections, I am told on the third day that my hacking connections were interfering with the XXXX servers, and this was when I get into an argument with them saying that if they really needed to fix my security issues, they should send a technician over or get me a XXXX  XXXX   appointment as quickly as possible. To this they replied they would have to turn off all my XXXX devices for seven days and that it would take them seven days to fix my computer. I said I could not do that because I had to travel out of state in the weekend. This gave them more reason to send me out to buy more cards and expedite the process. The other grueling part of this ordeal was when purchasing the gift cards, the stores would only have a policy of selling gift cards at {$1000.00} maximum per transaction. I had to dodge this in many ways that was humiliating and do and say things I would not normally do in groceries and stores. The scammers said that if I told the credit card companies that my computer was being hacked, they would block me off forever. This raised a red flag, but then I also had my computer security in mind, so that I was under duress the whole time. Finally on day four, when I had exhausted my credit, the actor posing as an XXXX   technician asked that I use my debit card, to which I said, There is money in there, but that is for my food. If I use that, I will not have any food money. He said, Theres no money in there? That was when I realized they were crooks after my cash. In the meantime, on the third day, they tell me that there were a few strong connections and suggested that my computer is being used by XXXX  users so that it will take more security keys to de-hack my computer. Catching up with work and exhausted by the third day, I almost gave in to losing my data to the alleged hackers. By the fourth day, the day before I was to travel, when they did not call at XXXX XXXX  as they did three days before, I decided to call them to finally fix my security issues. That was when I got the real XXXX people and learned I had been scammed. \n\nMy dispute to the credit card companies is where are the goods and services I paid for using the gift cards? I obviously did not get my computer fixed. I traced the merchandise trail the gift cards were used through XXXX XXXX XXXX  and XXXX, both being the main stores where most of the merchandise were bought. I was informed by both companies the merchandise were shipped to an address or addresses but not to mine, which now makes this a theft by deception crime, as I was informed by an XXXX detective. In the past, XXXX XXXX issued me refunds for fraudulent purchases made in another state when I was not present, for goods or services I did not use or receive. I am grateful those were dealt with promptly. What is the difference between my credit card being fraudulently used without me being present, versus paying for gift cards which were used to buy merchandise and shipped to recipients other than myself? Scam or no scam, I received nothing, as what had happened when I was not present when my debit card was fraudulently used. I did not get any services nor merchandise for any of the transactions, but a few companies did get the monies I am now supposed to be responsible to pay both American Express and XXXX XXXX Credit Card services.","date_sent_to_company":"2020-03-18T23:32:16.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"91206","tags":null,"has_narrative":true,"complaint_id":"3571866","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2020-03-18T23:16:18.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["To <em>increase</em> the <em>risk</em> of having <em>more</em> hacking connections, I am told on the third day that my hacking connections were interfering with the XXXX servers, and this was when I get into an argument with them saying that if they really needed to fix my security issues, they should send a technician over or get me a XXXX  XXXX   appointment as quickly as possible."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[11.472342,"3571866"]},{"_index":"complaint-public-v1","_id":"3905045","_score":11.296939,"_source":{"product":"Mortgage","complaint_what_happened":"To whom it may concern : I am writing this letter to inform you of my frustration and disappointment with my most recent mortgage application, Weichert Financial ( from the months of XXXX 2020 ) After using their services twice in the past, I chose to be a repeat customer and return for a third mortgage. This turned out to be a costly mistake. \n\nPreviously, I had utilized their services to secure a home mortgage and then later a refinance. When it came time to purchase another home, I returned to offer my business for the third time. The home that I was purchasing is a multi-family however ; our mortgage processer started our application as a single family. After identifying several issues and discrepancies within our application, our mortgage processer urged myself to sign the paperwork with the promise of making the corrections afterwards. His explanation was that the information can always be changed afterwards, as long as the numbers were accurate, and that the signature was required so that the application process can begin. \n\nWhile going through the process and being quoted our estimated closing costs, the raw numbers that continued to show on our closing disclosure was extremely concerning. When I brought this up to our mortgage loan officer, he had continued to assure me that the numbers were inflated but that the closing costs were going to be in the range of his quoted estimate, as previously discussed. Later, I came to find out that it was just not true. \n\nA couple of weeks after our application had begun, the mortgage officer reached out to me to offer two options for my mortgage. Since the home that was being purchased is an investment property, which was made known from the start, the mortgage officer advised that the 20 % down payment that was originally advised would result in a higher closing cost due to the point cost and suggested that we put down 25 % to lower the point cost and make the closing more affordable. I should have immediately canceled the application at this point. \n\nDue to the recent change in information, I started to privately seek other options. While reaching out to other lenders, they did not require the 25 % down payment and offered extremely competitive rates with lower closing costs. When I had taken this back to the mortgage officer we were working with at Weichert Financial, he was then able to assist in slightly reducing some of the closing costs, as I was a repeat customer. Sadly, the benefit of being a repeat customer just meant that Weichert was just trying to compete with a lender competitor and had nothing to do with me being a returning customer. \n\nAt this point, since I had used their services twice in the past, I chose to be loyal to your services even though you were still more expensive than your competitors. Unfortunately, this cost me significantly and will be the last. As I continued to go through the application, their underwriters continued to ask me for information that I had sent them two or three times in the past. At time we would get email from individuals asking us for private information that didnt even come from a Weichert email domain. Although this was inconvenient I was looking to do what was needed to have the loan approved so that I can close on the home. These excessive requests for repetitive paperwork caused me to miss our closing dates twice. What made this even worse is that it was always last minute. Originally, I was supposed to close on a Thursday and only found out that the closing was being pushed back that Monday night due to the loan process delay since the nation was behind. Afterwards the closing was rescheduled to allow the loan to be completed and was scheduled for a Monday. The day of our Monday closing I was informed by our attorney the lenders did not respond in time to make the closing happen that day. That Tuesday, the following day of our missed closing, I was informed by my mortgage officer that the he was just made aware that the home I was purchasing is a multi-family because he received the appraisal from underwriting and due to the home being a multi-family, my closing costs were going to increase by {$3500.00}. This is UNACCEPTABLE. \n\nIn the eleventh hour of our closing, your mortgage officer advised me that I will now have to pay an additional {$3500.00} in points because of the extra layer of risk. So not only was Weichert seeing the benefit of having a repeat customer, their rates were uncompetitive, required a larger down payment, had a slew of errors that I was told to overlook with the promise of it being corrected and also continued to request documents that you were already in procession of causing my closing to be delayed twice. To say that this closing was horrific, is an understatement. When I expressed my displeasure at this information, the mortgage officer apologized but continued to indicate that this information was not disclosed in the beginning, when the entire application was only started after I sent him the signed contract from the attorney ; clearly stating, this was a multi-family purchase. This caused me to be extremely concerned as it was disclosed that the purchase was for a multi-family in the beginning and lead me to believe that he started the application on assumptions ( that we could be getting such a great deal on a multi-family in a desirable neighborhood ), which would explain the slew of errors, and discrepancies on the paperwork. \n\nAfter informing the mortgage officer that this is unacceptable as this is a money grab coming back in the eleventh hour and demanding more money at closing due to his error that he will have to do something about this. According to the information I received back, he had taken this to his manager and begged to have the {$3500.00} worth of points removed. He went on to explain that his manager offered to reduce the amount from {$3500.00} to {$2600.00}, which is a difference of {$900.00}. So due to Weicherts error, the customer, who has been a repeat customer, received a shock of an additional {$2600.00} at closing. This is nothing short of a money grab as it comes at the very last moment where an individual is most vulnerable as there are no other options that can be pursued without jeopardizing the purchase agreement. These business practices are atrocious and demonstrative of theft. Weichert was aware of our financials and what money we had available and with this new CD that we were given less than 24hours before closing, put us at risk of having very little savings in our bank account. It was a financial stress that we havent endured in some time because of how financially sound we are regarding our funds, even more so during a time of uncertainty in this pandemic. This was an added, heartless move on your companys end. \n\nTo close on the home and prevent losing the deal that would have cost me to lose my good faith deposit, I had no other option but to pay this additional {$2600.00}. As an individual that puts 20 %, in this case 25 % down payment, has a 790+ - 800+ credit rating and never missed a payment ; I would have thought I was low risk and a customer Weichert would love to keep. Unfortunately, this will not be the case as I feel that Weichert was dishonest and my money would be better accepted elsewhere. Even at closing, the attorney and title company were appaled at Weicherts process and even mentioned how theyve seen it done in the past. Is this the reputation that Weichert works towards upholding? Afterwards, Weichert loves to send out surveys to know how well the experience was, which I had received in the past, but oddly enough for this most recent closing the request was never sent to me. All thats been sent is fake Weichert letters asking us to call to confirm information about our loan, which weve contacted Weichert to  advise and it still hasnt been resolved ; from both our refinance closed on XX/XX/2020 and our recent purchase, XX/XX/2020. \n\nSincerely, Unsatisfied Return Customers","date_sent_to_company":"2020-10-18T15:27:57.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"3905045","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WEICHERT FINANCIAL SERVICES","date_received":"2020-10-18T15:11:34.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["To close on the home and prevent <em>losing</em> the deal that would have cost me to <em>lose</em> my good faith deposit, I had no other option but to pay this additional {$2600.00}. As an individual that puts 20 %, in this case 25 % down payment, has a 790+ - 800+ <em>credit</em> rating and never missed a payment ; I would have thought I was low <em>risk</em> and a customer Weichert would love to keep. Unfortunately, this will not be the case as I feel that Weichert was dishonest and my money would be better accepted elsewhere."]},"sort":[11.296939,"3905045"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":121,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":121}]}},"product":{"doc_count":121,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":54,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":37},{"key":"VA mortgage","doc_count":7},{"key":"FHA mortgage","doc_count":4},{"key":"Home equity loan or line of credit (HELOC)","doc_count":4},{"key":"Conventional adjustable mortgage (ARM)","doc_count":1},{"key":"Other type of mortgage","doc_count":1}]}},{"key":"Credit reporting or other personal consumer 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