{"took":117,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":90,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3102775","_score":17.994884,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint for XXXX/TD Bank ( via XXXX XXXX ) - I purchased a mattress with a payment plan. I did not receive notice that the payment account was set-up and due until the first due date had already passed. I went online and paid the monthly payment of {$60.00} and attempted to set-up a re-occuring monthly payment in XXXX. I did not pay the late fee assessed because it was unwarranted. In XXXX I again had to go online and set-up the monthly re-occuring payment because it hadn't worked the first time and they were assessing me more late fees. Today, XX/XX/XXXX, I called them and learned that the monthly payment would not go into effect until XXXX, so I had missed the XXXX payment and they are assessing me yet another late fee. Their online system is XXXX and very difficult to use. I saw confirmation of the monthly payment set-up when I did it, but now there is no trace of it on my online account, not under transactions, or payment, or pending activity, or anything. According to customer service, I just have to trust that it is set-up now. I do not understand their system. I think it is purposely intended to allow them to assess unwarranted late fees. I tried speaking to two different representatives on the phone and the best they could do was to remove 1 of the late fees, and ONLY if I pay the rest of the payment in FULL first. What kind of fraudulent practice is that?","date_sent_to_company":"2018-12-17T21:58:55.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"77019","tags":null,"has_narrative":true,"complaint_id":"3102775","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2018-12-17T21:28:05.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Complaint for <em>XXXX</em>/TD Bank ( via <em>XXXX</em> <em>XXXX</em> ) - I purchased a mattress with a payment plan. I did not receive notice that the payment account was <em>set-up</em> and due until the first due date had already passed. I went online and <em>paid</em> the monthly payment of {$60.00} and attempted to <em>set-up</em> a re-occuring monthly payment in <em>XXXX</em>. I did not pay the late fee assessed because it was unwarranted."]},"sort":[17.994884,"3102775"]},{"_index":"complaint-public-v1","_id":"3569688","_score":15.596917,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I worked with Sierra Financial to apply for a {$1000.00} short term loan, they contacted me and said they worked with a loan broker. My primary complaint is what was disclosed to me over the phone was not the loan contract I signed for, the following deceptive and predatory lending practices were used to enter into a bait and switch loan agreement. \n\nBasically the on the phone consultant told me I was signing up for a short term loan that had a high APR of nearly 240 % which I knew was the case and there would be a {$140.00} finance fee added to the loan balance in addition to any accruing interest. \nI then asked the on the phone consultant to setup the installment payments to pay off the loan balance in 4 months ( 8 installments ). She said that would be setup and I would see the payments of {$250.00} debited from my account on a biweekly basis and that would pay off the loan. \n\nSurprisingly I never received any additional disclosures by phone, email, or mail showing the terms, due date, payment schedule or loan amortization chart. I had requested these verbally. The only notification I received was that the loan was funded. \n\nThen I noticed {$250.00} auto debited from my checking account at the same time as my pay period, I assumed this was my payment plan I setup. After two months and approximately {$920.00} in payments were made I wanted to see my loan balance online my balance as of XX/XX/20 was {$1200.00}. I immediately called Sierra Financial to talk about my concern, they notified me my payment had only been applied toward the finance fees and loan extension fee which totaled {$250.00} biweekly. I told them I did not request any extension and only the initial fees were disclosed to me ( not the additional {$250.00} finance fee or how the determine those fees ), and I specifically asked for the payments to be setup to payoff the loan. They then got very rude with me and said that they can not help me and the terms and conditions state payments can not be setup and the full balance needs to be paid to resolve the debt, then they hung up while I was still talking. \n\nSo I would like for the complaint to be handled and investigated because this company is disclosing false information and preventing consumers from getting full information they need to make a decision.The company has a very bad reputation on XXXX and if I would have investigated them I would have never did business with them, but they contacted me and their potential clients marketing themselves as a different company under a different name, through a different referral sources to trick consumers they are doing business with a legitimate company. \n\nI'm not question weather I owe them the amount they stated, I'm questioning the validity of the contract since it was not disclosed and me as the consumer did not get to make a decision on the correct information.","date_sent_to_company":"2020-03-18T18:51:26.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Payday loan","zip_code":"907XX","tags":null,"has_narrative":true,"complaint_id":"3569688","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Sierra Holdings LLC","date_received":"2020-03-17T18:41:36.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I told them I did not request any extension and only the initial fees were disclosed to me ( not the additional {$250.00} finance fee or how the determine those fees ), and I specifically asked for the payments to be <em>setup</em> to payoff the loan. They then got very rude with me and said that they can not help me and the terms and conditions state payments can not be <em>setup</em> and the full balance needs to be <em>paid</em> to resolve the debt, then they hung up while I was still talking."]},"sort":[15.596917,"3569688"]},{"_index":"complaint-public-v1","_id":"2575838","_score":14.833573,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have an credit card account with Lowe's/Synchrony Bank. My payments were setup for standard allocation under Manage How Payments are applied. Per that description on their website : \" Payment received in excess of minimum payment amount due will be applied to non-promotional balances before deferred interest promotional balances except in the last two months of a deferred interest promotion. In the last two months of a deferred interest promotion, the payment amount in excess of the minimum payment due will be applied to the deferred interest promotion ( s ) that are in the month of expiration and/or the month prior to expiration. '' My deferred payment balance was set to expire in  XXXX / XXXX /2018. I had charged many other items to the card for a remodel as a Regular Purchase. I paid off the Regular purchases by moving funds from a HELOC, yet Lowe's/Syncrhony Bank paid off the deferred interest balance leaving the Regular purchases unpaid. This would directly cause me to start accruing interest. I contacted them and the changed a partial payment and did n't seem to understand. They were not helpful. They have left me in a bind as I now will owe interest each month vs. my deferred promotional balance would have had no interest until  XXXX / XXXX /2018 and I would have paid it off by then.\n<P/>\nI work in a bank and this is as wrong as it comes.\n<P/>   XXXX   XXXX","date_sent_to_company":"2017-07-16T04:19:50.000Z","issue":"Problem when making payments","sub_product":"Store credit card","zip_code":"304XX","tags":null,"has_narrative":true,"complaint_id":"2575838","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2017-07-16T00:02:34.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["They have left me in a bind as I now will owe interest each month vs. my deferred promotional balance would have had no interest until  <em>XXXX</em> / <em>XXXX</em> /2018 and I would have <em>paid</em> it off by then.\n<P/>\nI <em>work</em> in a bank and this is as wrong as it comes.\n<P/>   <em>XXXX</em>   <em>XXXX</em>"]},"sort":[14.833573,"2575838"]},{"_index":"complaint-public-v1","_id":"3012080","_score":14.269857,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I worked with a company to install a patio on my home at the time and the builder secured the financing for me. After, the work was completed a representative from the builder had me sign paper work verifying it was complete and contract for the financing. The paper work was very general to a normal installment loan. This was XX/XX/XXXX. I sold the home in XX/XX/XXXX paid the loan off in XX/XX/XXXX. There wasn't a lien on the property at the time the home was sold. \n\nI'm currently trying to close on a new home purchase with FHA financing and have learned that this account has been reporting a mortgage type account. The financing paper work doesn't say anything as a mortgage type account. This was never explained to me at any time by the financing company. This was also completely new to the builder as well. I didn't receive any disclosures stating this was a mortgage type account. The loan on the paper work shows a Home Improvement Installment loan. I was under impression that this loan was just a traditional installment loan that was secured by the materials used to build the patio. Again, for years there wasn't a lien on my property. Because of the way this loan is reporting to the credit bureau my mortgage lender can't get approval for me loan. I literally ready to close and this has delayed the process. Everything including the appraisal and title work has been completed. \n\nI have contacted both the creditor and filed disputes with the credit bureaus. I haven't had any success with getting the account to changed to something other than a mortgage type account. The financing company has provided a letter to state that it's not a mortgage account, but has not changed it with the credit bureaus. The lender needs it changed with the credit bureaus. The financing company is blaming it on the tri-merger report, but it clearly shows as a mortgage account directly with the credit bureaus. \n\nThe financing company is stating that they're reporting correctly, but this it's the case and that's why they gave the letter. The company mentioned the Fair Credit Reporting Act, but failed to explain everything to me as the consumer. I think the financing company failed to inform me and the builder at to how this financing is setup. \n\nThank you","date_sent_to_company":"2018-09-17T17:50:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3012080","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Service Finance Holdings, LLC","date_received":"2018-09-06T18:08:34.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["I <em>worked</em> with a company to install a patio on my home at the time and the builder secured the financing for me. After, the <em>work</em> was completed a representative from the builder had me sign paper <em>work</em> verifying it was complete and contract for the financing. The paper <em>work</em> was very general to a normal installment loan. This was XX/XX/<em>XXXX</em>. I sold the home in XX/XX/<em>XXXX</em> <em>paid</em> the loan off in XX/XX/<em>XXXX</em>. There wasn't a lien on the property at the time the home was sold."]},"sort":[14.269857,"3012080"]},{"_index":"complaint-public-v1","_id":"11343457","_score":14.090418,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"After searching for a contractor to remodel two bathrooms on the website XXXX, I was contacted by XXXX XXXX with XXXX XXXX XXXX to setup an appointment. He came to my home on XX/XX/year> and I signed an agreement for the bathroom remodels for {$2300.00} through a loan with the online company Momnt Technologies , Inc., with a {$10000.00} transfer upon signing. The agreement states that I had three business days to cancel the agreement. I sent a notice of cancellation on XXXX XXXX to XXXX with XXXX XXXX XXXX and got confirmation it was received XX/XX/year>, ahead of the three business day deadline. No work was ever performed in my home. After multiple calls and messages trying to reach anyone with XXXX XXXX, I reached to Momnt regarding the loan and provided all of the information I had. I have not received any assistance from Momnt as well. I have paid a total of {$290.00} on the loan. The Alabama Secretary State website shows that XXXX XXXX dissolved on XX/XX/year>. I've also received a notice of XXXX XXXX bankruptcy for XXXX XXXX, who is the only individual listed on the Alabama Secretary of State 's website under XXXX XXXX XXXX. I've never had any contact with XXXX XXXX.","date_sent_to_company":"2025-01-01T20:13:39.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"360XX","tags":null,"has_narrative":true,"complaint_id":"11343457","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Momnt Technologies, Inc.","date_received":"2025-01-01T18:36:34.000Z","state":"AL","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":null},"highlight":{"complaint_what_happened":["I sent a notice of cancellation on <em>XXXX</em> <em>XXXX</em> to <em>XXXX</em> with <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> and got confirmation it was received XX/XX/year>, ahead of the three business day deadline. No <em>work</em> was ever performed in my home. After multiple calls and messages trying to reach anyone with <em>XXXX</em> <em>XXXX</em>, I reached to Momnt regarding the loan and provided all of the information I had. I have not received any assistance from Momnt as well. I have <em>paid</em> a total of {$290.00} on the loan."]},"sort":[14.090418,"11343457"]},{"_index":"complaint-public-v1","_id":"3370159","_score":13.907275,"_source":{"product":"Debt collection","complaint_what_happened":"On Tuesday, XX/XX/2019 MCM aka Midland Credit Management called my Job to talk about money that I owe on a XXXX credit card in the amount totaling {$400.00} and for another account on XXXX in the amount totaling {$570.00} I kindly asked them to call my cell phone after XXXX and they insisted to keep me on the phone during my working hours as they have called my Job twice a day everyday for the past week. I told the male sales rep collector that I had already sent out a check for the amount of {$170.00}. Then the manager ( male ) got on the phone to tell me to stop the check and they will not except that payment. I told him I was willing to make payments and pay the total amounts. But he insisted that they would like to give me a discount of 40 % -50 % of what I owe and that I would need to have or give them a XXXX XXXX address for this agreement to work. So, I just heard the guy out in what he needed to say was only {$200.00} for XXXX and {$280.00} only for XXXX even though I insisted making second payment agreements in the future to setup and he said that would not work for this deal. I was under a lot of pressure while being on the clock and they said they were running a special deal offer and will end in XXXX. Also that the deal only worked if they had a XXXX  address to send the White Letter, Payment Agreement, and Receipt on paid in full. I told him I live in XXXX and havent live in XXXX for 13 years now. I really thought that was odd but like I said under pressure. They called from phone numbers XXXX and XXXX. Payment was sent for XXXX. That same week my account had an unauthorized transaction of money taken out and I filed a dispute with XXXX XXXX XXXX So, I didnt know that the payment didnt go through. I dont understand if Im looking to paying it off and I mean the total amounts then they should work with me and not lie about making deals and stopping checks because it was sold to them for pennies and just want to get rid of it.","date_sent_to_company":"2019-09-11T06:31:01.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"89178","tags":null,"has_narrative":true,"complaint_id":"3370159","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2019-09-11T01:25:06.000Z","state":"NV","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I was <em>under</em> a lot of pressure while being on the clock and they said they were running a special deal offer and will end in <em>XXXX</em>. Also that the deal only <em>worked</em> if they had a <em>XXXX</em>  address to send the White Letter, Payment Agreement, and Receipt on <em>paid</em> in full. I told him I live in <em>XXXX</em> and havent live in <em>XXXX</em> for 13 years now. I really thought that was odd but like I said <em>under</em> pressure. They called from phone numbers <em>XXXX</em> and <em>XXXX</em>. Payment was sent for <em>XXXX</em>."]},"sort":[13.907275,"3370159"]},{"_index":"complaint-public-v1","_id":"17506509","_score":13.836911,"_source":{"product":"Debt collection","complaint_what_happened":"b'CFPB COMPLAINT - DEBT COLLECTION DISPUTE\\nDate: XX/XX/XXXX\\nComplainant: XXXX XXXX\\nCompany: XXXX XXXX XXXX\\nAddress: XXXX XXXX XXXX, XXXX, NJ XXXX\\nEmail: XXXX\\nComplaint Against:\\n1.\\tXXXXh XXXX XXXX XXXX (Original Creditor)\\n2.\\tDebt Collectors International, Inc. (Collection Agency)\\nClaim Number: XXXX\\nDisputed Amount: XXXX\\nAmount Already Paid: XXXX (for services not rendered)\\nLegitimate Amount Owed: XXXX\\n________________________________________\\nEXECUTIVE SUMMARY\\nI am filing this complaint against Debt Collectors International, Inc. and XXXX XXXX XXXX XXXX for attempting to collect XXXX for services that were not provided as contracted.\\nThe Situation:\\nXXXX XXXX XXXX had XXXX contracts with XXXX XXXX XXXX for white-label Meta advertising services (XXXX each, XXXX-month minimum):\\n\\tContract 1 (Company A): Services were being provided as agreed\\n\\tContract 2 (Company B): Services were NOT provided as contracted - THIS IS THE DISPUTE\\nFor Contract 2 (Company B - signed XX/XX/XXXX):\\n\\tXXXX: Only minimal CRM and XXXX XXXX setup completed\\n\\tXXXXXXXXXXXX: ZERO ongoing services provided despite my client being unable to provide necessary materials\\n\\tI immediately notified XXXX XXXX XXXX of the impossibility of providing services without client materials\\n\\tThey refused to pause billing or work with me in good faith\\n\\tThey continued charging XXXX/month while providing zero deliverables\\nMy Response:\\n\\tI paid XXXX (XXXX) for setup work\\n\\tI paid XXXX (XXXX) under protest\\n\\tIn XXXX, their material breach and bad faith was so severe that I terminated BOTH contracts - even Contract 1 which was working\\n\\tI did not use services for the final month(s) of either contract\\n\\tI made a clean break when they proved they would charge for impossible/non-performed services\\nCurrent Situation:\\n\\tXXXX XXXX XXXX sent account to collections\\n\\tDebt Collectors International demanding XXXX\\n\\t5-day threat of litigation\\n\\tHanging up when I tried to explain the dispute\\n\\tRefusing to validate debt or discuss legitimate issues\\nTotal Harm: XXXX already paid for minimal services + XXXX being demanded = XXXX for basic XXXX setup work only\\n________________________________________\\nDETAILED TIMELINE - CONTRACT 2 (COMPANY B)\\nContract Signed: XX/XX/XXXX\\nContract Details:\\n\\tService: XX/XX/XXXX (white-label)\\n\\tMonthly fee: XX/XX/XXXX\\n\\tTerm: XX/XX/XXXX-month minimum commitment\\n\\tDocument Ref: XX/XX/XXXX\\n\\tSigned via XX/XX/XXXX\\nServices Promised:\\n1.\\tBlueprint complete Ad Build in client\\'s ad account\\n2.\\tCreate offers that demand action\\n3.\\tCreate variations of ad copy\\n4.\\tCreate variations of images and videos\\n5.\\tCreate custom CRM with shared access\\n6.\\tSetup automated text & email campaigns\\n7.\\tMedia Buyers regularly optimize campaigns\\n8.\\tAccount managers regularly connect with clients\\n9.\\tReal-time reporting via XX/XX/XXXX\\nXX/XX/XXXX - Minimal Setup Only\\nWhat Was Provided:\\n\\tInitial CRM setup\\n\\tInitial XXXX XXXX account setup\\nWhat Was NOT Provided:\\n\\tNo ad campaigns created or launched\\n\\tNo offer strategy developed\\n\\tNo ad copy variations\\n\\tNo image/video creatives\\n\\tNo automated campaigns\\n\\tNo optimization work\\n\\tNo account management\\n\\tNo reporting\\nThe Problem: My client failed to provide necessary materials, information, and assets needed to run advertising campaigns. I immediately notified XXXX XXXX XXXX  that work could not proceed beyond basic setup without client materials.\\nPayment: XXXX charged and paid\\nXX/XX/XXXX - ZERO Services Provided\\nWhat Was Provided: NOTHING\\n\\tNo campaigns launched\\n\\tNo optimization\\n\\tNo account management\\n\\tNo reporting\\n\\tClient still hadn\\'t provided materials\\n\\tServices remained impossible to perform\\nMy Actions:\\n\\tNotified XXXX XXXX XXXX that client materials weren\\'t available\\n\\tInformed them work could not be performed\\n\\tRequested they pause billing or provide credit\\nTheir Response:\\n\\tContinued charging full XXXX/month\\n\\tProvided zero services\\n\\tRefused to adjust billing\\nPayment: XXXX charged and paid under protest\\nXX/XX/XXXX - Material Breach Leads to Termination\\nWhat Was Provided: NOTHING\\n\\tStill no campaigns\\n\\tStill no ongoing work\\n\\tStill no client materials\\n\\tStill zero services beyond XXXX setup\\nMy Actions:\\n\\tStopped automatic payment for Contract 2\\n\\tContacted XXXX XXXX XXXX to dispute charges\\n\\tRequested refund/credit for XXXX (zero services)\\n\\tRequested waiver of XXXX charge (zero services)\\n\\tDue to their material breach and bad faith, I terminated BOTH contracts\\n\\tStopped Contract 1 (Company A) even though it was working\\n\\tDid not use services for final month(s) of either contract\\nTheir Response:\\n\\tNo response to emails\\n\\tNo attempt to resolve\\n\\tSent account to collections\\nXXXX XXXX - Sent to Collections\\nContract Status:\\n\\tContract 2 expired: XX/XX/XXXX (XXXX months from signing)\\n\\tXXXX charges are completely outside contract term\\nCollection Activity:\\n\\tAccount sent to Debt Collectors International, Inc.\\n\\tAmount inflated to XXXX\\n\\tCollection letter receivedXX/XX/XXXX\\n\\tXX/XX/XXXX-day payment deadline with litigation threats\\n\\tRefused to discuss legitimate dispute\\n\\tHung up when I tried to explain\\n________________________________________\\nTHE CORE DISPUTE\\nWhat I\\'m Disputing:\\nContract 2 (Company B) charges for:\\n1.\\tXX/XX/XXXX (XXXX) - Zero services provided beyond XXXX  setup\\n2.\\tXX/XX/XXXX ($497) - Zero services provided beyond XXXX  setup\\n3.\\tXX/XX/XXXX (XXXX) - Partially/fully outside contract term + zero services\\n4.\\tXX/XX/XXXX (XX/XX/XXXX) - COMPLETELY outside contract term (unauthorized)\\n5.\\tPenalties/fees (approximately XXXX)\\nTotal Disputed: XXXX\\nWhat I Already Paid:\\nJXX/XX/XXXX: XXXX - Acknowledged some setup work completed XX/XX/XXXX: XXXX - Zero ongoing services provided\\nTotal Paid: XXXX for minimal XXXX  setup + nothing in XXXX\\nThe Fundamental Issues:\\n1. Services Could Not Be Performed\\n\\tContract required client materials to deliver services\\n\\tClient never provided necessary materials\\n\\tI notified them immediately\\n\\tPerformance was objectively impossible\\n\\tThey continued charging anyway\\n2. No Ongoing Services Delivered\\n\\tContract promised \"regularly optimize campaigns\" - Never happened\\n\\tContract promised \"regularly connect with clients\" - Never happened\\n\\tContract promised \"real-time reporting\" - Never happened\\n\\tOnly minimal XXXX setup was completed\\n\\tXXXX: Zero deliverables\\n3. Material Breach and Bad Faith\\n\\tI notified them services couldn\\'t proceed without client materials\\n\\tGood faith required them to pause billing or adjust charges\\n\\tThey refused and continued charging full fees\\n\\tThey ignored my dispute attempts\\n\\tThis material breach justified terminating entire business relationship\\n4. Contract Expired\\n\\tSigned: XX/XX/XXXX\\n\\tTerm: 3 months\\n\\tExpired: XX/XX/XXXX\\n\\tXXXXr charges are completely unauthorized\\n5. I Did Not Use Services I Didn\\'t Pay For\\n\\tWhen I stopped paying, I stopped using services\\n\\tI terminated both contracts\\n\\tI didn\\'t try to get free services\\n\\tI made clean break due to their breach\\n________________________________________\\nWHY THEIR ANTICIPATED DEFENSES FAIL\\nDefense: \"We tried to follow up and you said client wasn\\'t responding\"\\nMy Response: Yes, I notified them client materials weren\\'t available, which made performance IMPOSSIBLE. This should have triggered billing pause, not continued charges for zero work.\\nLegal Reality:\\n\\tImpossibility of Performance: When performance becomes impossible through no fault of either party, both are excused (Restatement 2d Contracts  261)\\n\\tSubstantial Performance Required: Being \"ready and willing\"  actually performing. Zero deliverables = zero performance\\n\\tDuty of Good Faith: When notified services couldn\\'t proceed, good faith required accommodation, not continued charging (Restatement 2d Contracts  205)\\n\\tNo Consideration: No value provided = no payment owed\\n\\tUnconscionability: Requiring XXXX for services that couldn\\'t be and weren\\'t performed is unconscionable\\nIndustry Standard: When clients can\\'t provide materials, reputable agencies:\\n\\tPause billing until materials received\\n\\tOffer reduced rates\\n\\tApply credits to future months\\n\\tWork collaboratively on solutions\\nXXXX XXXX XXXX  did none of this. They simply charged full fees while delivering nothing.\\nDefense: \"You signed a 3-month minimum contract\"\\nMy Response: 3-month minimum assumes the vendor will actually provide contracted services. They provided only minimal XXXX setup, then nothing.\\nLegal Reality:\\n\\tMaterial breach by one party excuses the other\\'s performance\\n\\tSubstantial performance is required to collect payment\\n\\tMinimal setup  substantial performance for ongoing service contract\\n\\tContract expired XX/XX/XXXX anyway\\nDefense: \"Contract says \\'no refunds\\'\"\\nMy Response: \"No refunds\" clauses are unenforceable when services aren\\'t provided. This is unjust enrichment.\\nLegal Reality:\\n\\tUnconscionable terms are void\\n\\tCourts don\\'t enforce terms that result in extreme one-sided benefit\\n\\tTaking money without providing value = unjust enrichment\\n\\t\"No refunds\" doesn\\'t shield non-performance\\n________________________________________\\nTERMINATION OF BOTH CONTRACTS\\nWhy I Stopped Everything\\nXXXX XXXX XXXX\\'s material breach and bad faith on Contract 2 was so severe that I lost all confidence in their business practices. Their conduct demonstrated:\\n\\tWillingness to charge for impossible services\\n\\tRefusal to work with customers in good faith\\n\\tIgnoring legitimate disputes\\n\\tPrioritizing revenue over fair dealing\\nI terminated both contracts, including Contract 1 which was performing, because:\\n1.\\tTheir breach on Contract 2 showed they couldn\\'t be trusted\\n2.\\tAnticipatory repudiation - their conduct indicated future non-performance\\n3.\\tI couldn\\'t continue business relationship with company acting in bad faith\\n4.\\tI did not use services I stopped paying for\\nThis demonstrates:\\n\\tSeverity of their breach (justified terminating even working contract)\\n\\tMy good faith (walked away from services I was receiving)\\n\\tConsistent action (didn\\'t cherry-pick disputes)\\n\\tPrincipled decision (sacrificed working relationship due to their wrongdoing)\\n________________________________________\\nCURRENT COLLECTION ACTIVITY VIOLATIONS\\nDebt Collectors International, Inc. - FDCPA Violations\\n1. False or Misleading Representations (15 U.S.C.  1692e)\\n\\tAttempting to collect XXXX for services not rendered\\n\\tClaiming I \"owe everything because I signed contract\" (ignores material breach doctrine)\\n\\tInflating debt without proper validation\\n\\tMisrepresenting amount owed\\n2. Failure to Validate Debt (15 U.S.C.  1692g)\\n\\tNo documentation provided showing services were rendered\\n\\tNo proof of deliverables for XXXX XXXXn\\tNo explanation of how debt increased to XXXX\\n\\tProceeding with collection threats without validation\\n3. Harassment (15 U.S.C.  1692d)\\n\\tUnreasonably short 5-day deadline before litigation threat\\n\\tHanging up when I attempted to explain legitimate dispute\\n\\tRefusing to engage with valid concerns\\n\\tThreatening litigation without proper debt validation\\n4. Unfair Practices (15 U.S.C.  1692f)\\n\\tAttempting to collect amount not authorized by contract (XXXX charges after expiration)\\n\\tAttempting to collect fees/penalties when original creditor breached\\n5. Communication in Violation of Request (if applicable)\\n\\tI will be requesting all communications be in writing only\\n\\tI am currently on medical bed rest outside the United States\\n\\tPhone calls exacerbate my medical condition\\n\\tAny phone contact after written request will violate 15 U.S.C.  1692c(c)\\n________________________________________\\nXXXX XXXX XXXX - VIOLATIONS\\n1. Breach of Contract\\n\\tFailed to provide \"regular optimization\" as promised\\n\\tFailed to provide \"regular account management\" as promised\\n\\tFailed to provide \"real-time reporting\" as promised\\n\\tProvided only minimal setup, then nothing for months\\n2. Unjust Enrichment\\n\\tCollected XXXX for minimal XXXX  setup + zero XXXX services\\n\\tDemanding XXXX  more for XXXX non-services\\n\\tTotal: XXXX for basic setup work only\\n\\tTaking money without providing value = unjust enrichment\\n3. Bad Faith / Unfair Business Practices\\n\\tContinued charging when services couldn\\'t be performed\\n\\tRefused to pause billing when notified of impossibility\\n\\tIgnored dispute resolution attempts\\n\\tSent to collections without addressing legitimate dispute\\n\\tViolated duty of good faith and fair dealing\\n4. Consumer Fraud (Potential)\\n\\tCharging for services not rendered\\n\\tRefusing to refund for non-performance\\n\\tUnconscionable contract enforcement\\n\\tMay violate NJ Consumer Fraud Act and FL Deceptive Trade Practices Act\\n________________________________________\\nHARM CAUSED\\nFinancial Harm\\n\\tXXXX already paid for services largely not rendered\\n\\tXXXX being demanded for impossible/non-performed services\\n\\tTotal exposure: XXXX for basic July setup only\\n\\tLost Contract 1 services due to their breach on Contract 2\\n\\tDevastating for small business during financial hardship\\nOperational Harm\\n\\tTime and resources diverted from business operations\\n\\tStress while on medical bed rest\\n\\tUnable to focus on business recovery\\n\\tThreat of litigation\\nEmotional Harm\\n\\tSignificant stress and anxiety\\n\\tExacerbated by being on medical bed rest\\n\\tCurrently outside United States, unable to address in person\\n\\tHarassment and intimidation tactics\\nCredit/Reputation Risk\\n\\tPotential negative credit reporting\\n\\tAppearance of non-payment despite legitimate dispute\\n\\tBusiness reputation at risk\\n________________________________________\\nMEDICAL HARDSHIP & SPECIAL CIRCUMSTANCES\\nCurrent Situation\\nI am currently on medical bed rest outside the United States. This creates several issues:\\nMedical Limitations:\\n\\tCannot handle stress of phone calls\\n\\tCannot travel to United States for any proceedings\\n\\tNeed all communications in writing via email\\n\\tPhone contact exacerbates medical condition\\nInternational Location:\\n\\tCurrently abroad for medical reasons\\n\\tCannot address this matter in person\\n\\tTime zone differences complicate phone communication\\n\\tMust handle everything remotely\\nRequest for Accommodations:\\n\\tAll communications via email only: XXXX\\n\\tExtended response times if needed due to medical condition\\n\\tRemote participation in any proceedings\\n\\tNo phone contact\\n________________________________________\\nFINANCIAL HARDSHIP\\nXXXX XXXX XXXX Current Financial Status\\nXXXX XXXX XXXX is experiencing severe financial hardship:\\nBusiness Situation:\\n\\tSignificant revenue decline\\n\\tStruggling to maintain operations\\n\\tCannot afford XXXX  for services not rendered\\n\\tAlready lost XXXX to XXXX XXXX XXXX\\n\\tLost Contract 1 services due to their breach\\nFinancial Impact:\\n\\tTotal claimed: XXXX (XXXX paid + XXXX demanded)\\n\\tThis represents significant portion of operating budget\\n\\tPayment would cause severe hardship\\n\\tMay force business closure\\nGood Faith:\\n\\tWe paid XXXX already despite minimal services\\n\\tWe\\'re not seeking to avoid legitimate debts\\n\\tWe\\'re refusing to pay for services that weren\\'t provided\\n\\tWe walked away from Contract 1 services we were receiving\\n\\tWe sacrificed working relationship due to principle\\nCannot Pay: Even if they win judgment, we cannot pay XXXX. This makes us effectively judgment-proof, making litigation pointless for them.\\n________________________________________\\nDOCUMENTATION AVAILABLE\\nI can provide the following supporting documents:\\n1.\\t Contract for Company B (PandaDoc Ref: XXXX, signed XX/XX/XXXX)\\n2.\\t Evidence of Contract 1 - Documentation showing we had two contracts, stopped both\\n3.\\t Email communications notifying NAA that client materials weren\\'t provided\\n4.\\t Email communications requesting halt or adjustment of billing\\n5.\\t Email communications attempting to resolve dispute\\n6.\\t Bank/credit card statements showing XXXX XXXX) and XXXX (XXXX) payments\\n7.\\t Collection letter from Debt Collectors International dated XX/XX/XXXX\\n8.\\t Proof of zero services provided: \\no\\tNo ad campaigns launched\\no\\tNo reporting provided\\no\\tNo optimization performed\\no\\tNo ongoing account management\\n9.\\t Documentation of terminating both contracts\\n10.\\t Evidence of not using services after stopping payment\\nCritical Point: XXXX XXXX XXXX cannot provide documentation of services rendered XXXX because no ongoing services were provided beyond minimal XXXX setup.\\n________________________________________\\nRESOLUTION REQUESTED\\nPrimary Request: Complete Waiver of XXXX\\nI am requesting:\\n1. Immediate Cessation of Collection Activity\\n\\tStop all collection attempts until proper investigation\\n\\tRemove 5-day litigation threat\\n\\tEngage in good faith discussion of legitimate dispute\\n2. Proper Debt Validation Required XXXX XXXX XXXX must provide proof of:\\n\\tServices rendered inXX/XX/XXXX (campaigns, optimization, management, reporting)\\n\\tServices rendered in XX/XX/XXXX (same)\\n\\tServices rendered in XX/XX/XXXX (same)\\n\\tServices rendered in XX/XX/XXXX (same)\\n\\tLegal basis for charges after contract expired (XX/XX/XXXX)\\n\\tAuthorization for charges when services were impossible to perform\\nWhen they cannot provide this proof (because services weren\\'t rendered), the debt must be waived.\\n3. Fair Resolution Based on Actual Services\\nXX/XX/XXXX (XX/XX/XXXX): Already paid - Some setup work completed\\nXX/XX/XXXX (XXXX): Already paid - Zero ongoing services provided (should be refunded but I\\'ll accept the loss)\\nXX/XX/XXXX (XXXX: Should be WAIVED\\n\\tZero ongoing services provided\\n\\tI notified them services couldn\\'t proceed\\n\\tGood faith required billing pause\\nXX/XX/XXXX (XXXX: Should be WAIVED\\n\\tContract expired XXXX 10\\n\\tZero ongoing services provided\\n\\tPartially/fully outside contract term\\nXX/XX/XXXX (XXXX): Should be WAIVED\\n\\tCOMPLETELY outside contract term\\n\\tZero services provided\\n\\tUnauthorized charge\\nPenalties/Fees (XXXX): Should be WAIVED\\n\\tThey materially breached first\\n\\tCannot penalize customer when vendor doesn\\'t perform\\n\\tUnconscionable when services weren\\'t provided\\nProposed Resolution:\\n\\tI keep the XXXX loss (considering it payment for XXXX  setup + tolerance)\\n\\tThey waive the entire XXXX collection amount\\n\\tNo credit reporting\\n\\tWritten agreement that matter is resolved\\n4. Alternative - Financial Hardship Accommodation\\nIf they insist on some payment despite non-performance:\\n\\tAcknowledge my severe financial hardship\\n\\tSubstantial reduction to reflect actual services (XXXX setup only)\\n\\tPayment plan if any amount deemed owed (XXXX/month maximum)\\n\\tWaiver of all penalties and collection fees\\n\\tNo credit reporting during or after resolution\\n5. Accommodations for Medical Situation\\n\\tAll communications via email only: XXXX\\n\\tNo phone contact\\n\\tExtended response times if needed\\n\\tRemote participation in any proceedings\\n\\tRecognition of international location and medical bed rest\\n6. Investigation of Unfair Practices Request CFPB investigate:\\n\\tXXXX XXXX XXXX\\'s practice of charging for impossible/non-performed services\\n\\tTheir \"no refunds\" policy even when services aren\\'t rendered\\n\\tTheir refusal to pause billing when notified of impossibility\\n\\tTheir bad faith refusal to engage in dispute resolution\\n\\tDebt collector\\'s FDCPA violations\\n\\tDebt collector\\'s refusal to properly validate debt\\n7. No Credit Reporting Prevent any negative credit reporting while dispute is investigated and resolved. This would devastate our struggling business.\\n________________________________________\\nSTATEMENT OF GOOD FAITH\\nXXXX XXXX XXXX has acted in good faith throughout:\\nWe Paid When Services Were Provided:\\n\\tXX/XX/XXXX: Paid XXXX for setup work\\n\\tXX/XX/XXXX: Paid XXXX despite zero ongoing services\\nWe Notified Immediately of Issues:\\n\\tInformed them client materials weren\\'t available\\n\\tExplained services couldn\\'t proceed without materials\\n\\tRequested billing adjustment or pause\\n\\tAttempted resolution before stopping payment\\nWe Acted Consistently and on Principle:\\n\\tStopped both contracts when their breach became clear\\n\\tTerminated even Contract 1 which was working\\n\\tDidn\\'t use services we stopped paying for\\n\\tSacrificed working relationship due to their bad faith\\n\\tMade clean break rather than continuing problematic relationship\\nWe\\'re Not Avoiding Legitimate Debts:\\n\\tWe paid XXXX already\\n\\tWe walked away from Contract 1 services\\n\\tWe\\'re refusing to pay for services that were objectively impossible to perform and weren\\'t performed\\n\\tThis is about their non-performance, not our dissatisfaction\\nWe Attempted Resolution:\\n\\tMultiple emails to XXXX XXXX XXXX\\n\\tNo responses received\\n\\tThey refused to engage\\n\\tSent to collections without addressing legitimate dispute\\nWe Have Financial Hardship:\\n\\tBusiness revenue declined significantly\\n\\tStruggling to maintain operations\\n\\tCannot afford XXXX for non-performed services\\n\\tAlready lost XXXX + Contract 1 services due to their breach\\nThis isn\\'t refusal to pay legitimate debts. This is refusal to pay for services that couldn\\'t be and weren\\'t provided, combined with severe financial hardship and their material breach and bad faith.\\n________________________________________\\nREQUESTED CFPB ACTION\\n1.\\tInvestigate Debt Collectors International, Inc. for multiple FDCPA violations\\n2.\\tInvestigate XXXX XXXX XXXX for unfair billing practices and potential consumer fraud\\n3.\\tRequire proper debt validation showing actual services rendered (which cannot be provided)\\n4.\\tFacilitate fair resolution based on actual services provided, not contracted minimums when services weren\\'t delivered\\n5.\\tPrevent litigation while dispute is investigated\\n6.\\tConsider my financial hardship and medical situation\\n7.\\tEnsure I\\'m not held liable for: \\no\\tOngoing monthly fees when ongoing services weren\\'t provided\\no\\tCharges after contract expired\\no\\tServices that were impossible to perform\\no\\tServices I didn\\'t use after terminating contracts\\n________________________________________\\nCONTACT INFORMATION\\nComplainant:\\nXXXX XXXX XXXX XXXX XXXX\\nXXXX XXXX XXXXXXXX\\nXXXX, NJ XXXX\\nEmail: XXXX\\nPhone: XXXX XXXX XXXX\\nIMPORTANT: I am currently on medical bed rest outside the United States. All communications must be via email only due to my medical condition.\\nCollection Agency:\\nDebt Collectors International, Inc.\\nXXXX XXXX XXXX XXXX XXXX  FL XXXX\\nPhone: XXXX\\nFax: XXXX\\nClaim #: XXXX\\nOriginal Creditor:\\nXXXX XXXX XXXX XXXX\\n2XXXX XXXX XXXX XXXX XXXX\\nXXXX XXXX XXXX, Florida XXXX\\nContact: XXXX\\n\\n\\n\\n________________________________________\\nDECLARATION\\nI declare under penalty of perjury that the information provided in this complaint is true and accurate to the best of my knowledge.\\nI am providing complete transparency about my situation, including that I had two contracts with XXXX XXXX XXXX and terminated both due to their material breach and bad faith on Contract 2.\\n\\nDate: XX/XX/XXXX\\nName: XXXX XXXX\\nTitle: Founder, XXXX XXXX XXXX\\n\\nThis complaint is filed pursuant to my rights under the Fair Debt Collection Practices Act (15 U.S.C. 1692 et seq.), Fair Credit Reporting Act (15 U.S.C. 1681 et seq.), and in accordance with the Consumer Financial Protection Bureau\\'s complaint process.\\nI respectfully request the CFPB\\'s assistance in resolving this matter fairly, considering that services were not provided as contracted, I have severe financial hardship, and I am currently on medical bed rest outside the United States.'","date_sent_to_company":"2025-11-25T23:09:04.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"088XX","tags":null,"has_narrative":true,"complaint_id":"17506509","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Debt Collectors International, Inc.","date_received":"2025-11-25T23:00:13.000Z","state":"NJ","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["materials\\n\\tI immediately notified <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> of the impossibility of providing services without client materials\\n\\tThey refused to pause billing or <em>work</em> with me in good faith\\n\\tThey continued charging <em>XXXX</em>/month while providing zero deliverables\\nMy Response:\\n\\tI <em>paid</em> <em>XXXX</em> (<em>XXXX</em>) for <em>setup</em> <em>work</em>\\n\\tI <em>paid</em> <em>XXXX</em> (<em>XXXX</em>) <em>under</em> protest\\n\\tIn <em>XXXX</em>, their material breach and bad faith was so severe that I terminated BOTH contracts - even Contract 1 which was working\\n\\tI did not use services for"]},"sort":[13.836911,"17506509"]},{"_index":"complaint-public-v1","_id":"13882217","_score":13.782848,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Dispute of Inaccurate Credit Reporting Request for Deletion I am writing to formally dispute Inaccurate, Incomplete, and/or Unverifiable information on my Credit Report ( s ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.\n\nThey are Violating My Rights. ( FCRA ) ( 15 U.S.C. 1681 and following ) ( FCRA ) 605 ( b ) ( 15 U.S.C. 1681c-2 ), ( 15 U.S.C. 1681E ( b ), ( 15 U.S.C. 1681-7 ) The following items are Incorrect and must be Investigated and Deleted Immediately : [ CAPITOL ONE AUTO FINANCE ] Account Last XXXX # : XXXX Dispute Reason : [ Inaccurate Balance/Wrong Account Status/Fraudulent/and Listed as a CHARGE-OFF. \n\nMY CAR WAS TOTALED LOSS BY MY INSURANCE COMPANY PROGRESSIVE. \nI WORKED OUT AN AGREEMENT WITH CAPITOL ONE to BUY-OUT the Remaining Balance of {$9000.00} for the Car Title while they wait for the Insurance Payment. \nI have the XXXX XXXX. I set-up a XXXX XXXX and Completed It. \nThere was NEVER a REPOSSESSION or CHARGE-OFF. \n\nThey also Reported Inaccurate Loan Start Dates, false Late Payments, and false Remaining Balance. \n\nMy account has ALWAYS BEEN WRONG on my XXXX XXXX XXXX XXXX with the OPEN DATES : XXXX XXXX XXXX XXXXXXXX ) - XX/XX/XXXX but didn't started Reporting until XX/XX/XXXX. \nDate of First Delinquency ( XX/XX/XXXX ) {$23000.00} Charge Off XXXX XXXX XXXX XXXX ) - XX/XX/XXXX - First Report XX/XX/XXXX Date of First Delinquency ( XX/XX/XXXX ) Last payment date XX/XX/XXXX Status : Paid in settlement. {$23000.00} written off. \n\nXXXX XXXX XXXX XXXX ) - XX/XX/XXXX - First Report XX/XX/XXXX Date of First Delinquency ( XX/XX/XXXX ) Last payment XX/XX/XXXX Status : Paid in Full. {$24000.00} Charged off. \nCREDIT REPORT SHOWS NO CHARGE-OFF AFTER XX/XX/XXXX ON-TIME PAYMENTS, LATE PAYMENTS, and TOTAL DEBT. \nMy Account was Reporting that I owed {$27000.00} even though the account was PAID -IN -FULL and I have/own the Original Title to the Car that Display NO LIEN HOLDER. \nI have been Disputing them for over XXXX  years with No Results from the XXXX XXXX Credit Bureaus. \nCAPITOL ONE AUTO FINANCE Account last XXXX # XXXX -- - I contacted this company after noticing the false information and they said they would fix it. They didn't for years. \nI set-up Auto-Payments with them and they Was Not taking out the Payments. \nNot Once did Capitol One contact me about Late Payments or Repossession or CHARGE-OFF. \nXXXX XXXX REPORTED to the XXXX XXXX XXXX XXXX  that my Account was XXXX Days Late for 2 months before Reporting being CHARGED-OFF for 36 MONTHS WHICH IS 100 % INCORRECT. \nThey had DUPLICATE XXXX LATES, XXXX  DAYS LATES, and then XXXX  DAYS LATES CONSECUTIVELY. \nMY ACCOUNT NEVER WENT INTO REPOSSESSION OR A CHARGE OFF. \n\nMY CAR WAS TOTALED LOSS BY MY INSURANCE COMPANY PROGRESSIVE. \nI WORKED OUT AN AGREEMENT WITH CAPITOL ONE to BUY-OUT the Remaining Balance of {$9000.00} for the car title. I set-up and XXXX XXXX and Completed It. \nThere was NEVER a CHARGE-OFF. \n\nI reported Fraud and Filed a Police Report. I contacted the company and Informed them but no actions were taken by them. \nI have No Idea why they reported false and fraudulent information for years even though they were % XXXX under a Payment Contract Agreement and Receiving My half of the Agreement Payments. \n\nI have Reported them for the past over XXXX Years with ZERO Results repeatedly. They are Reporting Negatively on ALL XXXX CREDIT REPORTS EXPERIAN TRANSUNION EQUIFAX","date_sent_to_company":"2025-06-05T16:34:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"200XX","tags":"Servicemember","has_narrative":true,"complaint_id":"13882217","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-06-04T23:16:15.000Z","state":"DC","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I <em>WORKED</em> OUT AN AGREEMENT WITH CAPITOL ONE to BUY-OUT the Remaining Balance of {$9000.00} for the Car Title while they wait for the Insurance Payment. \nI have the <em>XXXX</em> <em>XXXX</em>. I <em>set-up</em> a <em>XXXX</em> <em>XXXX</em> and Completed It. \nThere was NEVER a REPOSSESSION or CHARGE-OFF. \n\nThey also Reported Inaccurate Loan Start Dates, false Late Payments, and false Remaining Balance."]},"sort":[13.782848,"13882217"]},{"_index":"complaint-public-v1","_id":"14638054","_score":12.623497,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX sent an unpaid account to collections for a bill where the amount was supposed to be XXXX. \n\nPer their policy : XXXX XXXX XXXXXXXX Under FAQ : Ques : How does the 30-Day Money-Back Guarantee work Ans : If you're not satisfied with XXXXXXXX XXXX XXXX  you can cancel and receive a service charge refund. * To be eligible for the refund you must : 1. Disconnect within the first 30 days after setup of service. \nXXXX. Return the XXXXowned equipment within 30 days from the date of disconnection. \n\nI did cancel my service within 30 days and the equipment was also returned within 30 days, hence meeting the criteria Per XXXX : Your 30-Day Money-Back Guarantee refund will be either a one-time bill credit or A refund to your original payment method Based on above, my bill should have been XXXX, but they still generated a bill and sent the bill to debt collection, also reporting to XXXX  Per their support rep on call, XXXX does not report these bills to the credit bureau or does not see to collections, which does not seem to be true as my inaccurate bill was reported I was never notified by XXXX that the inaccurate bill amount will go to collections if I don't pay. I was surprised to when I received the notifiacation directly from debt collection agency. \n\nAfter hearing from the debt collection agency, I immediately paid through Diversified Adjustment Service. I acted in good faith to resolve the account and was not informed that XXXX would still report the collection to XXXX after the debt was paid. \n\nI only became aware of this negative mark when I received a credit alert even though my goal in resolving the account quickly was to prevent credit damage. \n\nI am requesting that XXXX remove the collection account from my credit report as it was reported in a misleading and unfair manner. Ive already filed a dispute with XXXX  but am seeking your assistance in correcting this issue","date_sent_to_company":"2025-07-15T04:19:27.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"75287","tags":null,"has_narrative":true,"complaint_id":"14638054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Diversified Adjustment Service, Inc.","date_received":"2025-07-15T03:49:50.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["<em>XXXX</em> sent an unpaid account to collections for a bill where the amount was supposed to be <em>XXXX</em>. \n\nPer their policy : <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>Under</em> FAQ : Ques : How does the 30-Day Money-Back Guarantee <em>work</em> Ans : If you're not satisfied with XXXXXXXX <em>XXXX</em> <em>XXXX</em>  you can cancel and receive a service charge refund. * To be eligible for the refund you must : 1. Disconnect within the first 30 days after <em>setup</em> of service. \n<em>XXXX</em>."],"sub_issue":["Debt was <em>paid</em>"]},"sort":[12.623497,"14638054"]},{"_index":"complaint-public-v1","_id":"14576734","_score":12.582136,"_source":{"product":"Credit card","complaint_what_happened":"Additional Evidence and Clarification Regarding XX/XX/year> XXXX Late Payment Reported by Bank of America Prior CFPB XXXX XXXX : XXXX XXXX ________________________________________ This is not a duplicate complaint. \nThis is a supplemental submission that includes new evidence, new factual clarifications, and additional documentation based on Bank of Americas response to my initial dispute. I respectfully request that this be reviewed as a continuation and escalation of the prior cases, not a duplicate. \n________________________________________ Summary of Dispute : I am disputing the 30-day late payment reported by Bank of America XXXX XX/XX/year> for credit card account ending in XXXX. The reported delinquency was the result of technical failures on Bank of Americas side and their failure to provide any reasonable notification, which is a requirement under the Fair Credit Reporting Act ( FCRA ). \n________________________________________ Fair Credit Reporting Act ( FCRA ) Lack of Reasonable Notification Under the FCRA, a creditor must make reasonable efforts to notify a consumer before reporting a late payment to the credit bureaus. \nBank of America did not make any reasonable effort in this case. Specifically : No emails were received later determined to be due to a system error routing them internally within Bank of America. \nNo mailed letters were sent to notify me of my delinquency. \nNo phone calls were made. \nNo app alerts or push notifications were issued. \nAuto pay issues in the attached Bank of America recognizes there was auto pay issues I was unaware I had missed a payment until it was already reported on my credit. I only found out by checking my credit report, not from any communication by Bank of America. I promptly paid the full balance immediately upon discovery and contacted customer service to set up autopay. \n________________________________________ Key Supporting Facts and Evidence : 1. Bank of America Acknowledged System Errors : In their response, they stated that my email was \" correct as of XX/XX/year> '' but that correction only occurred after I discovered the issue and called customer service to fix it. Prior to that, statements were going to an internal routing address. This means no statements or alerts were delivered. \n2. Autopay Setup Failed Without My Knowledge : I attempted to set up autopay, but the setup failed. I never received a confirmation or error notice. This was acknowledged in their letter : You stated having to set up automatic payments, but the setup failed without your knowledge, and you received no confirmation or error message. \nXXXX. Contradiction in Their Defense : Bank of America claims it was still my responsibility even if the email was incorrect but I never manually entered a Bank of America routing address ( XXXX ). Why would a consumer do that? This error was clearly on their side. \nXXXX. No Late Fee Charged Evidence of Discretion : Bank of America waived {$75.00} in late fees as a courtesy. If this was entirely my fault, why was any fee waived? This signals recognition of shared or internal responsibility. \nXXXX. Autopay Now Works Showing Good Faith : I worked with customer service in XXXX to correct the problem and autopay is now working. This shows intent to stay current and that the error was not due to neglect. \n\nResolution Requested : Immediate removal of the XX/XX/year> XXXX late payment from all credit bureaus. \nRestoration of accurate payment history. \nFormal acknowledgement that Bank of America failed to notify me in a reasonable manner, as required by the Fair Credit Reporting Act ( FCRA ).","date_sent_to_company":"2025-07-10T16:15:15.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"487XX","tags":null,"has_narrative":true,"complaint_id":"14576734","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-07-10T15:41:28.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Autopay <em>Setup</em> Failed Without My Knowledge : I attempted to set up autopay, but the <em>setup</em> failed. I never received a confirmation or error notice. This was acknowledged in their letter : You stated having to set up automatic payments, but the <em>setup</em> failed without your knowledge, and you received no confirmation or error message. \n<em>XXXX</em>."]},"sort":[12.582136,"14576734"]},{"_index":"complaint-public-v1","_id":"9237419","_score":12.237512,"_source":{"product":"Mortgage","complaint_what_happened":"XX/XX/XXXX we completed a purchase agreement with XXXX XXXX for an XXXX XXXX  home. We were told by XXXX that it would take 6-8 weeks for the factory to prepare and ship the modules and another 6-8 weeks after delivery to set them on the foundation and complete all of the site work ( floors, counters, plumbing, spray foam, ect. ). We were connected with one of their preferred lenders, 21st Mortgage, and told that the loan was supposed to have multiple draws ( e.g. delivery, substantial completion, final walkthrough ) similar to a construction loan and then automatically convert into a conventional loan. The loan documents we signed also contain a disclosure that according to 21st Mortgage \" contemplates multiple draws. '' XX/XX/XXXX the modules were delivered and placed on the permanent foundation. We were provided a delivery certification to sign which was confusing and seemed to contradict itself. It indicated that we were certifying that the home was \" substantially complete '' but also indicated that it did not consider any of the work to be completed on site. At this time the home did not have floors, plumbing, counters, finished drywall, ect. We contacted 21st Mortgage to clarify. We informed them that the house was not \" substantially complete '' and were told that this document was only certifying that the house had been moved to the permanent foundation. Still under the belief that there were multiple draws we signed the document. \nXX/XX/XXXX the home is still far from complete so we contacted 21st Mortgage to see how much of the loan was left to be paid and informed that they had already paid the entire amount to XXXX based on us having signed the delivery certification. We were told that the loan wasn't setup to have multiple draws and that we signed the delivery certification confirming that the home was substantially complete. Upon inquiring as to why we were told differently and if that was the case why did our loan documents discussed multiple draws we were told that they would initiate an investigation into how this happened but refused to provide any information related to the investigation. \nXX/XX/XXXX after numerous attempts to get information related to the complaint and being told that they tried to help resolve the matter with XXXX and that our loan was not setup to have multiple draws I requested to speak with a supervisor but was sent to legal counsel. Their lawyer informed me that there was no investigation into how/ why I was mislead ( another blatant lie ) and accused me of berating their employees and doubting their sincerity because I continually pointed out that they kept referring me to the same agencies that had no jurisdiction in the matter and therefore the \" help '' was not any help. Ironically, the same lawyer indicated that it only took ten minutes to determine that none of the places they sent me for \" help '' were useful and my only remedy was to sue 21st and / or XXXX. Yet they continue to stand on the strawman logical fallacy of \" trying to help '' while referencing the same agencies that they know aren't any help... so how can it be anything other than disingenuous? \nWhile I would sincerely appreciate assistance resolving the issue with XXXX it does not explain or remedy the fact that deceptive language ( verbal and written ) was used and it is now 7 months after delivery and the home is still not finished. Moreover, XXXX homes has consistently failed to use certified contractors and perform work in a timely or workmanship like manner. They have repeatedly failed to follow building codes and manufacturer installation instructions ( voiding product warranties ). They continually claim that they never do things that are clearly required by code or that they always do things that are clearly prohibited by code.\n\n21st has sent correspondence indicating that they consider this matter closed because they were informed by XXXX that all concerns had been addressed. However, they made no attempt to verify that this was actually the case. In fact, the owner of XXXX was out two months ago to perform a walkthrough and as it stands most of the issues identified on that visit have yet to be addressed ; so any assertion that they have been or that we have indicated that all work has been performed satisfactorily a barefaced lie. Additionally, XXXX owes us money and has told us numerous times that they are going to send it, but have failed to do so. We are outside city limits- so there is no code enforcement to help make sure things get done correctly and having a loan with multiple draws was our only protection.","date_sent_to_company":"2024-06-12T14:05:11.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"740XX","tags":"Servicemember","has_narrative":true,"complaint_id":"9237419","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"21ST MORTGAGE CORP.","date_received":"2024-06-12T12:18:40.000Z","state":"OK","company_public_response":null,"sub_issue":"Closing disclosure or other related disclosures"},"highlight":{"complaint_what_happened":["Still <em>under</em> the belief that there were multiple draws we signed the document. \nXX/XX/<em>XXXX</em> the home is still far from complete so we contacted 21st Mortgage to see how much of the loan was left to be <em>paid</em> and informed that they had already <em>paid</em> the entire amount to <em>XXXX</em> based on us having signed the delivery certification. We were told that the loan wasn't <em>setup</em> to have multiple draws and that we signed the delivery certification confirming that the home was substantially complete."]},"sort":[12.237512,"9237419"]},{"_index":"complaint-public-v1","_id":"3520599","_score":11.917429,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"In XX/XX/XXXX, I purchased a motorized recliner and love seat from Conn 's Home Plus. I was told that they had to add their insurance until I showed my insurance declaration where the furniture would be since it would be covered under the homeowner policy. Within a week of the purchase, this was furnished to the store. In XX/XX/XXXX, the first payment was due in the amount of {$130.00} which I paid as I figured home office didn't receive the paperwork yet. In XX/XX/XXXX, I noticed that I was being charged again for the {$130.00} which it should had dropped down to {$120.00} with the insurance being taken off. I contacted the company to get it fixed ; however, they didn't do anything about it. I filed a complaint with the XXXX  XXXX   XXXX  in order to get it taken care of which they did finally. In XX/XX/XXXX, I made my payment of {$120.00} with no problem. On XX/XX/XXXX, I went online to make my payment, and found that my account was closed. I called my partner to find out if they paid it off ; however, they stated they didn't do anything. On XX/XX/XXXX, I received a text stating that my account \" is in the First Payment Default Department and requires my attention. '' I called the number to which I spoke with someone in Collections, and explained the situation. He transferred me over to Customer Service as he was just as confused as I was. I spoke with Customer Service to which she said it would be taken care of, and she didn't know why they closed the account when the original loan has been fixed already. She said I should receive a call within 72 hours. On XX/XX/XXXX, I received a call about the account and was told that a new account number was setup. I logged on to make payment ; however, the account had the incorrect balance ( it was missing the 3 payments that were already made ), and the incorrect amount due. I called Customer Service, and was hung up on the 1st time. I called again, and told the representative about the prior representative hanging up on me then I explained that whatever was done for the new account was incorrect. I was asked if I \" refinanced '' the loan to which I replied that I didn't. The account should have been setup with 12 months no interest, the correct loan balance, the insurance shouldn't exist, and the payments should have been applied. I was told that I would receive a call the next day from a supervisor. I stated that I was not going to pay the bill until this was resolved ; however, on XX/XX/XXXX, I went ahead and paid {$120.00} to satisfy the account so I didn't hear any complaints. On XX/XX/XXXX, I got a call from the collections department ( mind you they called me a couple of times during this period while I was at work, harassing me for payment ) which I asked the gentleman to call my cell phone that I was at work. He said that the calls would keep coming until this was taken care of. When I got off the phone with him, I called Customer Service and told her everything the collection department told me. I asked how hard was it to get something straighten out, and I was tired of getting collection calls. Also, I asked why I didn't hear from a supervisor like I was supposed to. A supervisor got on the line and told me he would call me before XXXX XXXX on XX/XX/XXXX ; however, I haven't received the call from him. By the way, every customer service representative agreed that the prior account shouldn't have been touched and they didn't understand what the representatives were doing in the other departments. As of today, the account is still not correct. Also, I have been reading the XXXX  XXXX  XXXX website, and it seems that I'm not the only customer having these problems. \n\nAttached are pictures showing the issues and how it still hasn't been resolved. This is not only affecting my sanity, but it's affecting my credit as well which I'm trying to buy a house. This is highly unacceptable.","date_sent_to_company":"2020-02-06T17:45:20.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"70094","tags":null,"has_narrative":true,"complaint_id":"3520599","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Conn's, Inc.","date_received":"2020-02-05T04:14:58.000Z","state":"LA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In XX/XX/<em>XXXX</em>, I purchased a motorized recliner and love seat from Conn 's Home Plus. I was told that they had to add their insurance until I showed my insurance declaration where the furniture would be since it would be covered <em>under</em> the homeowner policy. Within a week of the purchase, this was furnished to the store. In XX/XX/<em>XXXX</em>, the first payment was due in the amount of {$130.00} which I <em>paid</em> as I figured home office didn't receive the paperwork yet."]},"sort":[11.917429,"3520599"]},{"_index":"complaint-public-v1","_id":"8492432","_score":11.849412,"_source":{"product":"Mortgage","complaint_what_happened":"CrossCountry mortgage is a fraudulent company. They recently changed loan servicers supposedly effective XX/XX/XXXX. During the change, they also transferred the escrow account they forcefully opened specifically for the purpose of the Lender placed hazard insurance policy they got last year which covered the period of XX/XX/XXXX to XX/XX/XXXX. They were paid in full for this policy last year in XXXX. I requested then for them to close the escrow since the policy was paid for and they refused to do so making up excuse after excuse. I received a notice from the loan servicer stating that my insurance had been cancelled effective XX/XX/XXXX due to the change in loan servicer which no one told me this would be the case. As to why they would then transfer the escrow account if I no longer have a lender placed policy that's active is fraudulent in itself as it should have been refunded for the 3.5 months remaining of the policy that I did pay in full for and then closed out and refunded back to me. Instead this new loan servicer is charging me escrow payments for a non existent policy. However, the main problem is that when I received this notice and was told that this policy was cancelled, I went ahead and got my OWN homeowner 's policy through XXXX. I uploaded a copy of my Evidence of Insurance to CrossCountry and told them that this is a policy that I purchased and am paying directly. All they needed to do was close the escrow and refund me for the overpayment in the account. These calls with them is recorded by the way. The lady I spoke to on Monday updated my account to show that I have my own policy now and told me that I had to call the old loan servicer for the refund of the 3.5 months of they got paid for the policy that was cancelled which I have and that's being worked on. After telling multiple people at CrossCountry mortgage that I am making these payments directly to XXXX and that this escrow account is to be closed and refunded back as I no longer need a lender placed policy, they went ahead and without authorization by me sent a payment to XXXX when this is not a Mortgage paid policy but rather a homeowner policy that is to be paid directly by the homeowner. They know this and they also know that I am not to have an escrow account for insurance as I put 20 % down to avoid the escrow account. I pay insurance and property taxes directly which I have. I already paid XXXX to XXXX and an auto pay is setup for the remaining months due. They had no right to touch the funds in my escrow as this was not a lender placed insurance policy. I also advised multiple times to not send in a payment as I am paying them directly. The whole purpose of me getting this insurance was to close the escrow account they forcefully opened as there is no longer a lender placed policy active on my mortgage. This company is a fraud and is in breach of my loan contract. Nowhere on my evidence of insurance states that a payment is due by the mortgage company and like I said, I specifcally told two representatives at CrossCountry that is being paid by me directly. This company is purposefully trying to keep an illegally transferred/opened escrow account to continue to overcharge me in escrow payments. I am tired of the fraudulent activity done by this mortgage company and they need to be heavily investigated. They changed loan servicers because I filed multiple complaints about them here on CFPB. \n\nI have attached my evidence of insurance from XXXX which clearly shows that a monthly payment in the amount of {$300.00} is setup by electronic check from my bank account. Nowhere does it say on this document which is what was provided to CrossCountry mortgage to submit a payment on behalf of homeowner. They are again trying everything to keep this escrow account open purposefully to continue to overcharge me on escrow. This payment was not authorized and should have never been disbursed. CrossCountry is an incompetent mortgage company that is incapable of following instructions. \n\nI have also attached the application for the insurance where it clearly states under the Policy Distribution/Billing section that the Policy is sent to the Insured ( ME ), Initial premium notice is sent to me and renewal is sent to me because I am the policy holder and the insured on this policy. \n\nI have also attached the pay plan I agreed to with XXXX to cover my monthly payments and auto pay for this policy. I clearly explained this to CrossCountry mortgage.","date_sent_to_company":"2024-03-07T05:26:21.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"76244","tags":null,"has_narrative":true,"complaint_id":"8492432","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CrossCountry Mortgage LLC","date_received":"2024-03-07T05:06:42.000Z","state":"TX","company_public_response":null,"sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["The lady I spoke to on Monday updated my account to show that I have my own policy now and told me that I had to call the old loan servicer for the refund of the 3.5 months of they got <em>paid</em> for the policy that was cancelled which I have and that's being <em>worked</em> on."]},"sort":[11.849412,"8492432"]},{"_index":"complaint-public-v1","_id":"1319538","_score":11.791993,"_source":{"product":"Credit reporting","complaint_what_happened":"Dear Consumer Advocate, I am writing to escalate an issue I am running into with XXXX XXXX. My account opened under XXXX originally and in 2013 this company merged with XXXX XXXX. As a customer, I have never been late with my payments. In fact, I worked diligently to keep all my accounts in order to carefully build my credit back up after a Chapter XXXX dismissal. I had numerous technical issues after the XXXX companies merged, including not being able to access my online account for which I contacted Customer Service three times to help with this issue that kept recurring. With XXXX ( now XXXX XXXX ) and all my other accounts, I have reminder notices setup so that I could diligently make sure my payments were sent on time, for which I relied on. I did not use this credit card much, but last year getting ready for my wedding, I missed my XX/XX/XXXX payment. I never received a notice, thus I realized I was late because I had a credit reporting alert setup, for which XXXX XXXX reported to. My balance was approximately {$40.00}. Again, I had never been late with this company before. I contacted their Customer Service department immediately and the agent I spoke with understood, was very concerned and added a dispute code. She mentioned it was likely they could remove it because she did acknowledge all the system errors they had. I paid my balance in full immediately. Since then I am refinancing my home, and also trying to keep my finances as low as possible and making the best decisions, I realized that entry is still on my credit report. I 've written a letter to XXXX XXXX and spoke with XXXX agents who say there is nothing they can do and keep repeating the same thing over and over. This does not seem fair considering my costs incurred to refinance because I did not get my reminder notice I duly relied on -- especially at that critical time in my life. There should be some exceptions! The cost does not match the action per se. I would think as a consumer, and having been a very good customer, they would have acknowledged their system glitches and helped me out. After the last letter I received from them this week, I called this morning again and spoke to a 'supervisor. ' She finally admitted they did not have any alerts set on my account. She was the first person to tell me this after the merge from XXXX and all the technical issues I had. She says I should have known to reset all my alerts! I am very frustrated because I have been working very hard to build my credit back up. I am hoping your organization will be able to assist me in some way. Please advise. \n\nBest Regards, XXXX XXXX XXXX","date_sent_to_company":"2015-05-01T18:55:25.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"787XX","tags":null,"has_narrative":true,"complaint_id":"1319538","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2015-04-07T18:48:17.000Z","state":"TX","company_public_response":null,"sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["Dear Consumer Advocate, I am writing to escalate an issue I am running into with <em>XXXX</em> <em>XXXX</em>. My account opened <em>under</em> <em>XXXX</em> originally and in 2013 this company merged with <em>XXXX</em> <em>XXXX</em>. As a customer, I have never been late with my payments. In fact, I <em>worked</em> diligently to keep all my accounts in order to carefully build my credit back up after a Chapter <em>XXXX</em> dismissal."]},"sort":[11.791993,"1319538"]},{"_index":"complaint-public-v1","_id":"3563090","_score":11.322224,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX  Customer Relations XXXX XXXX set-up 3-month defer payment plan as today we not working yet.But do have about 6 months of back payments due to me my wife will be depostit in to our credit union account we hope within week or two.XXXX   customer relation is ware of our situation, she gave us up-to XXXX XXXX to make payment of {$480.00} over phone or mail payment in.We are unable to to get all the money.She sent  us invoice of 2yrs we never got from American Credit Acceptance XXXX XXXX, XXXX , Texas XXXX We suppose to get 3-defer payments saying on infomation we are XXXX, XXXX, XXXX behind, i discuss with her on phone said we paid XXXX on XXXX when payments due on XXXX, with Grace period of 10 days due no-later then XXXX, before we get any late fees.I gone through records she sent us it shows we paid 14 payments total of {$7400.00} and 12 paymnets x {$480.00} = {$5700.00} they received on our account.I tried email it to her but i got different one from ACA said i need to call in. I called today XXXX XXXX they too didnot know who i was talking with.Could not connect me with XXXX XXXX she said to ask for. \nHere we are Struggling to make our auto loan payments, we should got defer 3-4 months add on end of the loan since we always paid on time.The payments was $ XXXXdue on XXXX, we always paid over 2yrs {$500.00} on time, may of been late once ... We was told couple days ago from Utah Attorney that since we got hurt on the job working for XXXX XXXX : We quit resign do to over work from light duty from our doctor requirements.To apply for XXXX  to get minimun 6 months back payment from XX/XX/XXXX to Now.Then Attorney will represent us because we both are under doctors care, we both need XXXX plus i should have surgery.My wife saw doctor on XXXX of Febuary XXXX XXXX found XXXX XXXX on her XXXX, she bumps her head they said it will kill her.We are trying to do everything we can.We are Homeless sleeping in the car every day, we have our blankets, pillows in car..We can't not get our car Repo, what will we do? Our Mortgage is in Forecloser due to Mortgage Fraud, attorney we got working on it, maybe when they are done can they sue ACA?","date_sent_to_company":"2020-03-16T13:59:53.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"840XX","tags":"Older American","has_narrative":true,"complaint_id":"3563090","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"American Credit Acceptance, LLC","date_received":"2020-03-11T20:55:54.000Z","state":"UT","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Denied request to lower payments"},"highlight":{"complaint_what_happened":["We was told couple days ago from Utah Attorney that since we got hurt on the job working for <em>XXXX</em> <em>XXXX</em> : We quit resign do to over <em>work</em> from light duty from our doctor requirements.To apply for <em>XXXX</em>  to get minimun 6 months back payment from XX/XX/<em>XXXX</em> to Now.Then Attorney will represent us because we both are <em>under</em> doctors care, we both need <em>XXXX</em> plus i should have surgery.My wife saw doctor on <em>XXXX</em> of Febuary <em>XXXX</em> <em>XXXX</em> found <em>XXXX</em> <em>XXXX</em> on her <em>XXXX</em>, she bumps her head they said it will kill her.We"]},"sort":[11.322224,"3563090"]},{"_index":"complaint-public-v1","_id":"4699828","_score":10.878952,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to inform you of an incident that occurred in XXXX XXXX in the hopes you will help me remediate this situation. I have a Capital One Credit Card and have been making on-time payments since XXXX. In the months leading up to the incident I had enrolled my account in autopay so that I would not miss a payment. I happened to use my credit card in the months following that which caused my monthly minimum payment to increase. In XX/XX/XXXX the payment was {$37.00} which caused my payment to fall late by {$2.00}. In XX/XX/XXXX, the minimum payment due on my credit card increased to {$72.00}. Thinking that I had autopay previously set-up, I thought this payment was made on time. Come XX/XX/XXXX, I have a minimum payment of {$120.00} due, and again believing I had autopay, I thought this payment was made on time. By XX/XX/XXXX, I saw a minimum payment of {$170.00} was due, and knew something did not make sense. I noticed my online account was set to pay a fixed amount of {$35.00} as a recurring monthly basis as the payment towards my account. Realizing that this was never something I set-up online ( I was under the impression I always had autopay ) this caused my payments to be late 3 months in a row, accruing more fees over time, and unfortunately being reported to the credit bureaus. I could not fathom how the system would allow me to set up recurring payments and that I had never been contacted by phone to remediate the issue. I had received an email giving me notice, however I was not able to view it in time. This incident happened at the beginning of the COVID-19 pandemic, which I understand has taken a toll on the nation, however as an elementary school teacher I had a lot of other issues to work through at the time and this was simply overlooked. I had to transition my entire classroom and curriculum from in-person teaching to fully remote for the first time and simply put I didnt have the bandwidth to keep both my professional and personal lives running at maximum efficiency. If anyone had reached out by phone, just one time, this would have been resolved. Instead I feel this is a predatory/abusive practice by Capital One. \nKnowing that I have sufficient funds to make these payments on time, and realizing the online application did not set-up autopay, I called Capital One to dispute this in XX/XX/XXXX. After calling Capital One I was informed that the system would allow for an automatic payment below what the minimum amount is due without giving any notice. Again I feel strongly that it is predatory/abusive for the company to do that in addition to charging late fees. After speaking with several members of Capital One, only one representative gave me feedback about how to handle this. I was informed I should write a letter to Capital One appealing this decision. Immediately after that conversation, I set up autopay on XX/XX/XXXX to avoid any more fees, paid my past due amount in full, and wrote my letter. I later received a letter back in XX/XX/XXXX that stated nothing could be done to remediate this from reporting to the credit agencies. After much reflection over these past few months, I feel that this decision was unfair, and I contacted Capital One again, the manager I spoke with offered no help or direction with solving this problem. Not once did the collections department attempt to reach me by phone letting me know that the automatic payment was not set for the minimum monthly payment amount, but for a fixed amount of {$35.00}. I have never heard of a bank allowing this sort of arrangement, let alone not contacting the customer about late payments and letting it report to all three of the major credit agencies. I am trying to buy my first home with my husband and this has been a huge obstacle that has stood in our way because it has affected my credit score.","date_sent_to_company":"2021-09-07T20:25:46.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19808","tags":null,"has_narrative":true,"complaint_id":"4699828","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-09-07T19:50:00.000Z","state":"DE","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["In XX/XX/<em>XXXX</em> the payment was {$37.00} which caused my payment to fall late by {$2.00}. In XX/XX/<em>XXXX</em>, the minimum payment due on my credit card increased to {$72.00}. Thinking that I had autopay previously <em>set-up</em>, I thought this payment was made on time. Come XX/XX/<em>XXXX</em>, I have a minimum payment of {$120.00} due, and again believing I had autopay, I thought this payment was made on time. By XX/XX/<em>XXXX</em>, I saw a minimum payment of {$170.00} was due, and knew something did not make sense."]},"sort":[10.878952,"4699828"]},{"_index":"complaint-public-v1","_id":"6712074","_score":10.749787,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This complaint is with Discover Financial Services. On or about XX/XX/XXXX my charges went over the limit. I immediately reached to Discover to setup payment arrangements and get the card back into good standing. I complied with all setup direct pay program so the payments would automatically deduct. Part of what caused the overage at that time was identity theft causing additional costs and restructuring of my banking accounts. I moved my banking at that time to XXXX from the credit union. I remain a client of XXXX to this day. The latter action allowed me to maintain my account with Discover along with a program suggested and offered by Discover. \n\nI have requested a copy of the program agreement over and over and to date still have not received the copy of the communication. When I signed up with the program I spoke to the representative several times to get clear. The agreement set a specific payment over 12 months to assist in making sure the account was back into good standing which occurred. I made these payments for the 12 months on time. What I was told by the representative who signed me up was that during the timeframe of the agreement I could not make any charges. As I stated my goal was to payoff my account so this was not a concern. Fast forward, I made all of the agreement payments and paid down this card over the past 3-4 years in good standing where it moved from XXXX balance to appr. XXXX after I paid them a lump sum payment of about XXXX in XXXX. \n\nI contacted the servicing center about XXXX things. To find out why the card was not functional and I wanted to add my my oldest child due to the fact that under XXXX  I was hospitalized in XXXX and I did not want to have any issues should anything occur with my health. During this call, I was told that my account was suspended? I was never told my account would be suspended for the program agreement. I was told that I could not charge. In addition to this, I was told that they were reviewing my XXXX XXXX report in order to consider the account being reactivated. Needless to say I was livid and floored. I also shared with the representative that not only was XXXX XXXX in a national lawsuit but I also have been working with an attorney to clear incorrect and false information. \n\nThen on XX/XX/XXXX I found a correspondence from Discover that based on information from a credit report that they would be closing my account. I have been a Discover customer for almost 8 years and worked with them accordingly to handle my accout responsibly. This complaint is based on the following : XXXX. For a national credit card lender to provide false and incomplete information as it relates to a credit account and program which causes damage to a consumer should not be allowed. \nXXXX. For a consumer to perform correctly in paying and bringing down debt with a temporary program that is used by the credit provider to permanently affect a consumers credit without proper disclosure and documentation should be illegal XXXX Credit providers should be held by law when they receive a complaint ( which I did sometime between XX/XX/XXXX and present where I requested a copy of the original agreement which was electronically executed back in XXXX ) and for the lender to just ignore consumer requests again should be illegal. \nXXXX. Where credit lenders can unilaterally hold a consumer 's account XXXX based on non-disclosed evaluations. If I had not called Discover I would have never known that about these credit evaluations through XXXX XXXX ( no documentation about any reviews had ever been issued to me the consumer ). \n\nI am asking for a reconsideration in closing my account and that the CFPB investigate this complaint based on consumer protection laws. Discover has taken auto pay as recent as XX/XX/XXXX for my account which had a balance of XXXX per my statement sent on XX/XX/XXXX with the next {$20.00} to be deducted as it has been every month for years. \n\nThank you,","date_sent_to_company":"2023-03-17T15:01:02.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"6712074","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-03-17T14:04:12.000Z","state":"MI","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Fast forward, I made all of the agreement payments and <em>paid</em> down this card over the past 3-4 years in good standing where it moved from <em>XXXX</em> balance to appr. <em>XXXX</em> after I <em>paid</em> them a lump sum payment of about <em>XXXX</em> in <em>XXXX</em>. \n\nI contacted the servicing center about <em>XXXX</em> things. To find out why the card was not functional and I wanted to add my my oldest child due to the fact that <em>under</em> <em>XXXX</em>  I was hospitalized in <em>XXXX</em> and I did not want to have any issues should anything occur with my health."]},"sort":[10.749787,"6712074"]},{"_index":"complaint-public-v1","_id":"23079626","_score":10.599544,"_source":{"product":"Credit card","complaint_what_happened":"I have maintained an excellent credit history in the United States for over 10 years, with approximately XXXX open credit accounts and no prior late payments. Before this incident, my credit score was approximately XXXX. \n\nThe missed payments for XXXX and XX/XX/year> were the result of an unintentional AutoPay setup issue. I believed AutoPay had been properly established through the payment link provided by Citibank, as I did not have access to a dedicated banking application. Unfortunately, the setup was not completed correctly. This was an honest mistake and not an intentional failure to meet my financial obligations. \n\nAs soon as I became aware of the issue, I immediately contacted Citibank, brought the account current, and paid the outstanding balance in full. Citibank subsequently agreed to remove one of the late payment notations from my account, acknowledging the mitigating circumstances surrounding this situation. However, a remaining 60-day late payment continues to be reported to the credit bureaus.\n\nI am also concerned about Citibanks communication and handling of this matter. Due to my profession working in live television broadcasting, I am frequently unable to answer telephone calls while actively working on live productions. Although multiple calls may have been attempted, I was only able to answer one call. During that conversation, the representative did not clearly explain the nature or urgency of the situation, and the information provided was confusing and insufficient. Based on how the call was handled, I genuinely believed it could have been a fraudulent call. \n\nI did not receive clear email notifications regarding the seriousness of the matter, nor did I receive timely written correspondence advising me that immediate action was necessary to avoid severe consequences to my credit profile. No voicemail messages were left explaining the urgency of the issue. By the time I received written notice, Citibank had already reported the late payment and taken adverse actions against my account.\n\nAs a result of this isolated incident, my credit score decreased by approximately XXXX points. In addition, Citibank reduced my credit limit from {$6700.00} to {$2300.00}, a reduction of {$4400.00}. I had an existing promotional payment arrangement with Best Buy and was making monthly payments of {$100.00} under that agreement. The reduction in my available credit significantly increased my credit utilization ratio despite my continued efforts to satisfy my financial obligations, causing further damage to the excellent credit profile I have worked diligently to build over the past decade. \n\nI made multiple attempts to resolve this matter directly with Citibank through customer service representatives and even visited a Citibank branch seeking assistance. Despite these efforts, I have been unable to obtain a satisfactory resolution.\n\nI appreciate Citibanks willingness to remove one late payment from my account. However, given my long history of responsible credit management, the isolated nature of this incident, my immediate efforts to correct the situation, and the communication deficiencies I experienced, I respectfully request that Citibank conduct an executive review of my account and remove the remaining 60-daXXXX late payment from all credit reporting agencies as a goodwill adjustment. \n\nI am not disputing my responsibility to make timely payments. Rather, I am requesting fair consideration of the unique circumstances involved and the significant efforts I made to promptly resolve the matter once I became aware of it. \n\nThank you for your time and consideration in reviewing this complaint.","date_sent_to_company":"2026-06-10T18:16:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"33143","tags":null,"has_narrative":true,"complaint_id":"23079626","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-06-10T17:27:49.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I have maintained an excellent credit history in the United States for over 10 years, with approximately <em>XXXX</em> open credit accounts and no prior late payments. Before this incident, my credit score was approximately <em>XXXX</em>. \n\nThe missed payments for <em>XXXX</em> and XX/XX/year> were the result of an unintentional AutoPay <em>setup</em> issue. I believed AutoPay had been properly established through the payment link provided by Citibank, as I did not have access to a dedicated banking application."]},"sort":[10.599544,"23079626"]},{"_index":"complaint-public-v1","_id":"3205486","_score":10.500478,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XX/XX/XXXX, my clients XXXX and XXXX XXXX became aware via their XXXX Credit Report Alert that EOS CCA ( A  collection agency ) was reporting a negative collection item on their credit profile. \nThe XXXX ( s ) immediately contacted my office, their Business Management CPA Firm, asking us to follow-up. \n\nThe client informed me that they had already done some preliminary research that included a telephone call to XXXX XXXX ( previously XXXX ). The client was informed by a XXXX XXXX representative that there was in fact an account opened under their previous company XXXX in the name of XXXX XXXX and was able to obtain the account number. \n\nObtaining the account number was important because the client did previously have a XXXX XXXX account ( XXXX XXXX XXXX XXXX ) that had been paid ( was an auto pay account ) in full and closed. \nWhen the client contacted XXXX XXXX they were initially told that the account was opened in XX/XX/XXXX and was closed by XXXX XXXX last month ( XX/XX/XXXX ) for non-payment. The representative reported to the client that there had never been a payment on the account since it was opened in XX/XX/XXXX. This is very troubling because its uncommon for a monthly utility service who will typically discontinue service and close accounts within a couple of months for non-payment. \n\nSecondly, during this time the client did have an active and valid account with XXXX XXXX which was the account XXXX XXXX XXXX XXXX ( service address XXXX XXXX XXXX XXXX , XXXX XXXX, UT ) previously mentioned above. You would think that if a second account had been opened under the clients name that remained unpaid for 16 years, XXXX XXXX would have contacted the client since they did have his correct information on file from the account that remained in good standing. \n\nNonetheless, because the valid account was for services related to a partnership venture the client was not 100 % sure that the account was/is fraud. We have checked with all of the bookkeepers involved from XX/XX/XXXX to date and there are no records of the XXXX account or payments being made to that account. And, if the client had ever received the invoice it would have been paid timely first and resolved later. They would not have allowed it to become a negative reporting on their credit profile. Unfortunately, they were not made aware of this erroneous account as they dont live or do business at the service address in question. \n\nUpon the client forwarding their documentation to me to determine what was going on, I called EOS-CCA ( Collection Agency ) with the client on the line who authorized EOS-CCA to work directly with me to resolve the issue to and thru receiving payment from me if it was determined that it was in fact the clients account and responsibility. \n\nEOS-CCA didnt have any detailed information about the account, service address, who set it up, etc. They only had the date of set-up and the balance owed. \n\nMrs. XXXX ( the client ) called XXXX XXXX several times to no avail at which point I took over calling XXXX XXXX. I engaged in conversation with a representative who told me that the service address for the service provided was XXXX XXXX XXXX XXXX, XXXX, CA. She also confirmed that the service address was also the billing address. When I tried to obtain additional information about the account in terms of who set it up, I was asked to verify the account by answering the security questions. \nBecause neither my client nor I set-up the account, we couldnt verify the account or answer the security questions. \n\nThe representative helped me as much as she could while stressing that I should contact the Dispute Department of XXXX XXXX assuring me that they would be able to provide me additional information and potentially finding resolution to account XXXX originally opened by XXXX. \n\nDuring the conversation, I was also able to ascertain, contrary to what was initially reported to Mrs. XXXX, that payment had been made on the account from XX/XX/XXXX up until XX/XX/XXXX or XX/XX/XXXX.  The representative also told me a final notice was mailed to the XXXX XXXX XXXX XXXX address prior to action being taken. I believe she said before action was taken as opposed to services discontinued. \n\nMy client, XXXX XXXX, is fully willing to pay the {$390.00} owed if this is in fact his account and responsibility. \n\nBecause Mr. XXXX has no knowledge of the existence of this account and can confirm that he never approved service being opened at the service address reported, he is requesting that the negative credit reporting be removed from his credit profile immediately. \n\nSubmitted by XXXX XXXX and XXXX XXXX ( Accountant )","date_sent_to_company":"2019-04-08T21:44:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90024","tags":null,"has_narrative":true,"complaint_id":"3205486","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EOS Holdings, Inc.","date_received":"2019-04-08T21:28:12.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The client was informed by a <em>XXXX</em> <em>XXXX</em> representative that there was in fact an account opened <em>under</em> their previous company <em>XXXX</em> in the name of <em>XXXX</em> <em>XXXX</em> and was able to obtain the account number. \n\nObtaining the account number was important because the client did previously have a <em>XXXX</em> <em>XXXX</em> account ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ) that had been <em>paid</em> ( was an auto pay account ) in full and closed."]},"sort":[10.500478,"3205486"]},{"_index":"complaint-public-v1","_id":"7803248","_score":10.416157,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX I opened an XXXX XXXX XXXX card with \" no limit '' at the advice of the XXXX rep, who stated this was the perfect card for a XXXX XXXX XXXX  who was in the initial phases of the startup. I was clear that I did not yet have revenue, and that for the first year to two years, i would be using the card to fund my expenses and get me to my revenue streams. \n\nXXXX XXXX XXXX  I was shocked to find out that my XXXX XXXX XXXX card with \" no limit '' was shut down. I immediately began to attempt to understand, and according to them at this point, they had told me falsities about the credit line, and that an imaginary line of {$20000.00} usd had been crossed. While i found this insane, my only goal was to contain the issue and maintain my XXXX credit score. As a new business owner, this had the potential to destroy me and i made it clear we should discuss a better card for me, if that was their issue, and that I would be happy to pay right away, the amount above XXXX. This was when the XXXX began in earnest. \n\nXXXX XXXX  - No longer able to have meaningful discussions with ANY rep from XXXX, I was put thru the purposely setup \" overcompartmentalization '' these companies put in place to ensure we, the consumer, are not able to EVER make any progress, and that they can continue to employ harder and harder bullying, and squeezing of us. \nI was never provided a reason why this occurred, they never accepted or even entertained the idea that they should be with any blame. In the end I dont believe the reasoning i was provided is even true, i believe XXXX XXXX XXXX XXXX knowingly creates whatever they wish for each individual case, and then as they wish, destroys those same people thru their decisions and the follow thru being 'No cooperation ever ' with the former client they are now at odds with. \n\nXXXX XXXX - Losing my mind with the setup listed above, I asked for and eventually was connected with some department that contains \" executive '' in their title. I was assigned someone who made promises, befriended me, then carried thru with absolutely none of her promises, and threw a dagger into my financial heart in the immediate days following the Major Hurricane Disaster that was IAN. I live in the federally declared disaster zone so this is yet another major, i think, legal issue, this company created with their \" promises of Hurricane Ian Hardship assistance '', and then NEVER EVER sharing any details to this supposed program, which to this day, I still do not know if it ever existed. The executive amex rep is named XXXX XXXX. \n\nXXXX XXXX  : As i tried to rebuild my life in the aftermath of Hurricane Ian, keep my daughter and I safe, and keep my new fledgling Business alive, i continued to maintain contact with the, now once again, overcompartmentalized setup and its various groups of very guilty employees. The executive team that had told me point blank not to worry, not to stress at all, not to even take any action, as they were reviewing everything and would provide a solution that worked for all, that team would no longer even take my call, or an internal escalation. I should mention that shortly after my Biz Platinum card was frozen, i was sent a threatening email from within XXXX, stating that if I did not pay the entire balance on my Business card, they would suspend and then revoke the \" privileges '' on my personal cards. They followed thru rather quickly with this threat, and froze the remaining XXXX cards I had which included a XXXX XXXX and a XXXX XXXX XXXX XXXX I was under the impression being an XXXX would protect me from this type of action but it certainly did not even stall XXXX. I still want to know what the XXXX with all that. \n\nBack to later XXXX  - I was paying from a depleted group of funds to all my long frozen cards, to keep my \" perfect on time credit payment history '' in tact, but this was becoming very difficult as the Hurricane created an overwhelming pile of expenses that were urgent in nature. It was becoming clear the road would be a long one, and many things would need to be paid out of my pockets with the hope of reimbursement later on from Insurance, or FEMA or an SBA situation. The latter two are a joke but thats another story. \nI asked XXXX repeatedly what they were offering those of us in Florida so that we could focus on the Catastrophe and i was told there was a program and I was in it, but no one at all could tell me what it was. Nothing at all changed with what they wanted each month, at what time, and for all the useless cards they had frozen. In XXXX, to save my sanity, i finally saw I had absolutely no protection, no ally, and if I wanted to attempt to save whatever was left of my credit ( score now XXXX XXXX XXXX XXXX, I had to enter an agreement with them, despite my hands and legs being tied up, and the insanity of the entire picture going into its XXXX month. \n\nXXXX XXXX  - I purposely did not pay what I had been all along, on the XXXX XXXX XXXX. This was my only leg to stand on when it came to getting their attention. It worked, and between 20-40 or more calls with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX i accepted an agreement where I would pay around {$1200.00} per month on the four cards in one lump sum payment each month. Obviously this was done under diress and without any assistance from their side or the ability to secure an attorney as i could not afford to put money in that direction recovering from the disaster. I hoped this would stabalize the issue long enough for me to focus on my other pressing needs, stop their complete and utter harrassment of me thru phone calls, texts, threats on the calls, and threats thru the mail, mail that came every day, sometimes multple times. This company is out of control and clearly no one is policing them. \n\nThey reported to the Credit bureaus for XXXX being late, and destroyed my credit score, as i mentioned above. I tried until i was blue in the face to get anyone to reverse that. They would not, they see themselves as an untouchable XXXX, and from what it appears they are. \n\nXXXX XXXX XXXX : I paid the agreement month after month, on-time, even when they tried almost right from the gate to sabotage me ( by taking the lump sum payment and moving it to four separate payments spaced all throughout the month ). I began to not even think about the XXXX this company caused me, except that, this monthly expense is up there, and with four frozen cards, its basically money set afire. This was confirmed for certain when it became clear they were not even reporting the agreement or the fact i was paying at all, let alone, on time each month - to any of the credit bureaus. THey had th best of both worlds, they destroyed my credit, and were also getting me to pay them each month. Every time i advised them, they must follow their end of the agreement and report my payments, removing the default status or the agreement we were operating under would be invalidated- they just gave lip and no action. \n\nFinally, at the behest of an attorney and one of the banks i work with, I headed their advise and stopped paying this extortion in XXXX. Immediately the harrassment has returned. I made clear initially and repeatedly since, to XXXX, that they simply need to report the payments and we can discuss a return to the agreement. While they say they understand and will be taking action to meet this request, they have done nothing. This is where we stand now. \n\nI have little confidence that anyone will ever help me here, or that anyone actually holds XXXX XXXX accountable. XXXX XXXX employees exhibit a XXXX confidence that makes it clear they feel no threat for any of their disgusting actions.\n\nBest-","date_sent_to_company":"2023-11-04T07:38:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"339XX","tags":null,"has_narrative":true,"complaint_id":"7803248","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-04T07:38:08.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["It <em>worked</em>, and between 20-40 or more calls with the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> i accepted an agreement where I would pay around {$1200.00} per month on the four cards in one lump sum payment each month. Obviously this was done <em>under</em> diress and without any assistance from their side or the ability to secure an attorney as i could not afford to put money in that direction recovering from the disaster."]},"sort":[10.416157,"7803248"]},{"_index":"complaint-public-v1","_id":"7803249","_score":10.408951,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/2022 - I opened an XXXX XXXX XXXX card with \" no limit '' at the advice of the XXXX rep, who stated this was the perfect card for a small business owner who was in the initial phases of the startup. I was clear that I did not yet have revenue, and that for the first year to two years, i would be using the card to fund my expenses and get me to my revenue streams. \n\nXXXX XXXX  - I was shocked to find out that my XXXX XXXX XXXX card with \" no limit '' was shut down. I immediately began to attempt to understand, and according to them at this point, they had told me falsities about the credit line, and that an imaginary line of {$20000.00} usd had been crossed. While i found this insane, my only goal was to contain the issue and maintain my XXXX credit score. As a new business owner, this had the potential to destroy me and i made it clear we should discuss a better card for me, if that was their issue, and that I would be happy to pay right away, the amount above XXXX. This was when the XXXX began in earnest. \n\nXX/XX/2022 - No longer able to have meaningful discussions with ANY rep from XXXX, I was put thru the purposely setup \" overcompartmentalization '' these companies put in place to ensure we, the consumer, are not able to EVER make any progress, and that they can continue to employ harder and harder bullying, and squeezing of us. \nI was never provided a reason why this occurred, they never accepted or even entertained the idea that they should be with any blame. In the end I dont believe the reasoning i was provided is even true, i believe XXXX XXXX XXXX XXXX knowingly creates whatever they wish for each individual case, and then as they wish, destroys those same people thru their decisions and the follow thru being 'No cooperation ever ' with the former client they are now at odds with. \n\nXXXXXXXX XXXX  - Losing my mind with the setup listed above, I asked for and eventually was connected with some department that contains \" executive '' in their title. I was assigned someone who made promises, befriended me, then carried thru with absolutely none of her promises, and threw a dagger into my financial heart in the immediate days following the Major Hurricane Disaster that was IAN. I live in the federally declared disaster zone so this is yet another major, i think, legal issue, this company created with their \" promises of Hurricane Ian Hardship assistance '', and then NEVER EVER sharing any details to this supposed program, which to this day, I still do not know if it ever existed. The executive XXXX XXXXep is named XXXX XXXX. \n\nXXXX XXXX : As i tried to rebuild my life in the aftermath of Hurricane Ian, keep my daughter and I safe, and keep my new fledgling Business alive, i continued to maintain contact with the, now once again, overcompartmentalized setup and its various groups of very guilty employees. The executive team that had told me point blank not to worry, not to stress at all, not to even take any action, as they were reviewing everything and would provide a solution that worked for all, that team would no longer even take my call, or an internal escalation. I should mention that shortly after my XXXX XXXX card was frozen, i was sent a threatening email from within XXXX, stating that if I did not pay the entire balance on my Business card, they would suspend and then revoke the \" privileges '' on my personal cards. They followed thru rather quickly with this threat, and froze the remaining XXXX cards I had which included a XXXX XXXX and a XXXX XXXX XXXX XXXX I was under the impression being an XXXX would protect me from this type of action but it certainly did not even stall XXXX. I still want to know what the XXXX with all that. \n\nBack to later XXXX - I was paying from a depleted group of funds to all my long frozen cards, to keep my \" perfect on time credit payment history '' in tact, but this was becoming very difficult as the Hurricane created an overwhelming pile of expenses that were urgent in nature. It was becoming clear the road would be a long one, and many things would need to be paid out of my pockets with the hope of reimbursement later on from Insurance, or XXXX or an XXXX situation. The latter two are a joke but thats another story. \nI asked XXXX repeatedly what they were offering those of us in Florida so that we could focus on the Catastrophe and i was told there was a program and I was in it, but no one at all could tell me what it was. Nothing at all changed with what they wanted each month, at what time, and for all the useless cards they had frozen. In XXXX, to save my sanity, i finally saw I had absolutely no protection, no ally, and if I wanted to attempt to save whatever was left of my credit ( score now XXXX from XXXX ), I had to enter an agreement with them, despite my hands and legs being tied up, and the insanity of the entire picture going into its 7th month. \n\nXX/XX/2022 - I purposely did not pay what I had been all along, on the XXXX XXXX XXXX. This was my only leg to stand on when it came to getting their attention. It worked, and between XXXX or more calls with the XXXX  and XXXX ( XXXX XXXX XXXX XXXX i accepted an agreement where I would pay around {$1200.00} per month on the four cards in one lump sum payment each month. Obviously this was done under diress and without any assistance from their side or the ability to secure an attorney as i could not afford to put money in that direction recovering from the disaster. I hoped this would stabalize the issue long enough for me to focus on my other pressing needs, stop their complete and utter harrassment of me thru phone calls, texts, threats on the calls, and threats thru the mail, mail that came every day, sometimes multple times. This company is out of control and clearly no one is policing them. \n\nThey reported to the Credit bureaus for XXXX being late, and destroyed my credit score, as i mentioned above. I tried until i was blue in the face to get anyone to reverse that. They would not, they see themselves as an untouchable XXXX, and from what it appears they are. \n\nXXXX XXXX XXXX : I paid the agreement month after month, on-time, even when they tried almost right from the gate to sabotage me ( by taking the lump sum payment and moving it to four separate payments spaced all throughout the month ). I began to not even think about the XXXX this company caused me, except that, this monthly expense is up there, and with four frozen cards, its basically money set afire. This was confirmed for certain when it became clear they were not even reporting the agreement or the fact i was paying at all, let alone, on time each month - to any of the credit bureaus. THey had th best of both worlds, they destroyed my credit, and were also getting me to pay them each month. Every time i advised them, they must follow their end of the agreement and report my payments, removing the default status or the agreement we were operating under would be invalidated- they just gave lip and no action. \n\nFinally, at the behest of an attorney and one of the banks i work with, I headed their advise and stopped paying this extortion in XXXX. Immediately the harrassment has returned. I made clear initially and repeatedly since, to XXXX, that they simply need to report the payments and we can discuss a return to the agreement. While they say they understand and will be taking action to meet this request, they have done nothing. This is where we stand now. \n\nI have little confidence that anyone will ever help me here, or that anyone actually holds XXXX XXXX accountable. XXXX XXXX employees exhibit a XXXX confidence that makes it clear they feel no threat for any of their disgusting actions. \n\nBest-","date_sent_to_company":"2023-11-04T07:38:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"339XX","tags":null,"has_narrative":true,"complaint_id":"7803249","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-04T07:38:08.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["It <em>worked</em>, and between <em>XXXX</em> or more calls with the <em>XXXX</em>  and <em>XXXX</em> ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> i accepted an agreement where I would pay around {$1200.00} per month on the four cards in one lump sum payment each month. Obviously this was done <em>under</em> diress and without any assistance from their side or the ability to secure an attorney as i could not afford to put money in that direction recovering from the disaster."]},"sort":[10.408951,"7803249"]},{"_index":"complaint-public-v1","_id":"7802223","_score":10.387661,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX  - I opened an XXXX XXXX XXXX card with \" no limit '' at the advice of the XXXX rep, who stated this was the perfect card for a small business owner who was in the initial phases of the startup. I was clear that I did not yet have revenue, and that for the first year to two years, i would be using the card to fund my expenses and get me to my revenue streams. \n\nXXXXXXXX XXXX  - I was shocked to find out that my XXXX XXXX XXXX card with \" no limit '' was shut down. I immediately began to attempt to understand, and according to them at this point, they had told me falsities about the credit line, and that an imaginary line of {$20000.00} usd had been crossed. While i found this insane, my only goal was to contain the issue and maintain my XXXX credit score. As a new business owner, this had the potential to destroy me and i made it clear we should discuss a better card for me, if that was their issue, and that I would be happy to pay right away, the amount above XXXX. This was when the XXXX began in earnest. \n\nXX/XX/XXXX  - No longer able to have meaningful discussions with ANY rep from XXXX, I was put thru the purposely setup \" overcompartmentalization '' these companies put in place to ensure we, the consumer, are not able to EVER make any progress, and that they can continue to employ harder and harder bullying, and squeezing of us. \nI was never provided a reason why this occurred, they never accepted or even entertained the idea that they should be with any blame. In the end I dont believe the reasoning i was provided is even true, i believe XXXX XXXX XXXX XXXX knowingly creates whatever they wish for each individual case, and then as they wish, destroys those same people thru their decisions and the follow thru being 'No cooperation ever ' with the former client they are now at odds with. \n\nXXXXXXXX XXXX  - Losing my mind with the setup listed above, I asked for and eventually was connected with some department that contains \" executive '' in their title. I was assigned someone who made promises, befriended me, then carried thru with absolutely none of her promises, and threw a dagger into my financial heart in the immediate days following the Major Hurricane Disaster that was IAN. I live in the federally declared disaster zone so this is yet another major, i think, legal issue, this company created with their \" promises of Hurricane Ian Hardship assistance '', and then NEVER EVER sharing any details to this supposed program, which to this day, I still do not know if it ever existed. The executive XXXX rep is named XXXX XXXX. \n\nFall/Winter XXXX   : As i tried to rebuild my life in the aftermath of Hurricane Ian, keep my daughter and I safe, and keep my new fledgling Business alive, i continued to maintain contact with the, now once again, overcompartmentalized setup and its various groups of very guilty employees. The executive team that had told me point blank not to worry, not to stress at all, not to even take any action, as they were reviewing everything and would provide a solution that worked for all, that team would no longer even take my call, or an internal escalation. I should mention that shortly after my XXXX XXXX  card was frozen, i was sent a threatening email from within XXXX, stating that if I did not pay the entire balance on my Business card, they would suspend and then revoke the \" privileges '' on my personal cards. They followed thru rather quickly with this threat, and froze the remaining XXXX cards I had which included a XXXX card and a XXXX XXXX XXXX . I was under the impression being an LLC would protect me from this type of action but it certainly did not even stall XXXX. I still want to know what the XXXX with all that. \n\nBack to later XXXX  - I was paying from a depleted group of funds to all my long frozen cards, to keep my \" perfect on time credit payment history '' in tact, but this was becoming very difficult as the Hurricane created an overwhelming pile of expenses that were urgent in nature. It was becoming clear the road would be a long one, and many things would need to be paid out of my pockets with the hope of reimbursement later on from Insurance, or FEMA or an SBA situation. The latter two are a joke but thats another story. \nI asked XXXX repeatedly what they were offering those of us in Florida so that we could focus on the Catastrophe and i was told there was a program and I was in it, but no one at all could tell me what it was. Nothing at all changed with what they wanted each month, at what time, and for all the useless cards they had frozen. In XXXX, to save my sanity, i finally saw I had absolutely no protection, no ally, and if I wanted to attempt to save whatever was left of my credit ( score now XXXX from XXXX ), I had to enter an agreement with them, despite my hands and legs being tied up, and the insanity of the entire picture going into its 7th month. \n\nXX/XX/XXXX  - I purposely did not pay what I had been all along, on the XXXX XXXX XXXX. This was my only leg to stand on when it came to getting their attention. It worked, and between 20-40 or more calls with the XXXX and XXXX ( XXXX XXXX ) , i accepted an agreement where I would pay around {$1200.00} per month on the four cards in one lump sum payment each month. Obviously this was done under diress and without any assistance from their side or the ability to secure an attorney as i could not afford to put money in that direction recovering from the disaster. I hoped this would stabalize the issue long enough for me to focus on my other pressing needs, stop their complete and utter harrassment of me thru phone calls, texts, threats on the calls, and threats thru the mail, mail that came every day, sometimes multple times. This company is out of control and clearly no one is policing them. \n\nThey reported to the Credit bureaus for XXXX being late, and destroyed my credit score, as i mentioned above. I tried until i was blue in the face to get anyone to reverse that. They would not, they see themselves as an untouchable XXXX, and from what it appears they are. \n\nXXXX XXXX XXXX  : I paid the agreement month after month, on-time, even when they tried almost right from the gate to sabotage me ( by taking the lump sum payment and moving it to four separate payments spaced all throughout the month ). I began to not even think about the XXXX this company caused me, except that, this monthly expense is up there, and with four frozen cards, its basically money set afire. This was confirmed for certain when it became clear they were not even reporting the agreement or the fact i was paying at all, let alone, on time each month - to any of the credit bureaus. THey had th best of both worlds, they destroyed my credit, and were also getting me to pay them each month. Every time i advised them, they must follow their end of the agreement and report my payments, removing the default status or the agreement we were operating under would be invalidated- they just gave lip and no action. \n\nFinally, at the behest of an attorney and one of the banks i work with, I headed their advise and stopped paying this extortion in XXXX. Immediately the harrassment has returned. I made clear initially and repeatedly since, to XXXX, that they simply need to report the payments and we can discuss a return to the agreement. While they say they understand and will be taking action to meet this request, they have done nothing. This is where we stand now. \n\nI have little confidence that anyone will ever help me here, or that anyone actually holds XXXX XXXX accountable. XXXX XXXX employees exhibit a XXXX confidence that makes it clear they feel no threat for any of their disgusting actions. \n\nBest-","date_sent_to_company":"2023-11-04T07:38:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"339XX","tags":null,"has_narrative":true,"complaint_id":"7802223","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-04T07:38:08.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["It <em>worked</em>, and between 20-40 or more calls with the <em>XXXX</em> and <em>XXXX</em> ( <em>XXXX</em> <em>XXXX</em> ) , i accepted an agreement where I would pay around {$1200.00} per month on the four cards in one lump sum payment each month. Obviously this was done <em>under</em> diress and without any assistance from their side or the ability to secure an attorney as i could not afford to put money in that direction recovering from the disaster."]},"sort":[10.387661,"7802223"]},{"_index":"complaint-public-v1","_id":"7803337","_score":10.385401,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/2022 - I opened an Amex XXXX XXXX card with \" no limit '' at the advice of the Amex rep, who stated this was the perfect card for a small business owner who was in the initial phases of the startup. I was clear that I did not yet have revenue, and that for the first year to two years, i would be using the card to fund my expenses and get me to my revenue streams. \n\nXXXX XXXX - I was shocked to find out that my Amex XXXX XXXX card with \" no limit '' was shut down. I immediately began to attempt to understand, and according to them at this point, they had told me falsities about the credit line, and that an imaginary line of {$20000.00} usd had been crossed. While i found this insane, my only goal was to contain the issue and maintain my XXXX credit score. As a new business owner, this had the potential to destroy me and i made it clear we should discuss a better card for me, if that was their issue, and that I would be happy to pay right away, the amount above XXXX. This was when the XXXX began in XXXX. \n\nXX/XX/2022 - No longer able to have meaningful discussions with ANY rep from Amex, I was put thru the purposely setup \" overcompartmentalization '' these companies put in place to ensure we, the consumer, are not able to EVER make any progress, and that they can continue to employ harder and harder bullying, and squeezing of us. \nI was never provided a reason why this occurred, they never accepted or even entertained the idea that they should be with any blame. In the end XXXX dont believe the reasoning i was provided is even true, i believe American Express Card Services knowingly creates whatever they wish for each individual case, and then as they wish, destroys those same people thru their decisions and the follow thru being 'No cooperation ever ' with the former client they are now at odds with. \n\nXXXXXXXX XXXX - Losing my mind with the setup listed above, I asked for and eventually was connected with some department that contains \" executive '' in their title. I was assigned someone who made promises, befriended me, then carried thru with absolutely none of her promises, and threw a dagger into my financial heart in the immediate days following the XXXX XXXX XXXX that was XXXX. I live in the federally declared disaster zone so this is yet another major, i think, legal issue, this company created with their \" promises of Hurricane Ian Hardship assistance '', and then NEVER EVER sharing any details to this supposed program, which to this day, I still do not know if it ever existed. The executive amex rep is named XXXX XXXX. \n\nXXXX XXXX : As i tried to rebuild my life in the aftermath of Hurricane Ian, keep my daughter and I safe, and keep my new fledgling Business alive, i continued to maintain contact with the, now once again, overcompartmentalized setup and its various groups of very guilty employees. The executive team that had told me point blank not to worry, not to stress at all, not to even take any action, as they were reviewing everything and would provide a solution that worked for all, that team would no longer even take my call, or an internal escalation. I should mention that shortly after my Biz Platinum card was frozen, i was sent a threatening email from within Amex, stating that if I did not pay the entire balance on my Business card, they would suspend and then revoke the \" privileges '' on my personal cards. They followed thru rather quickly with this threat, and froze the remaining Amex cards I had which included a XXXX XXXX and a XXXX XXXX Amex XXXX I was under the impression being an XXXX would protect me from this type of action but it certainly did not even stall Amex. I still want to know what the XXXX with all that. \n\nBack to later 2022 - I was paying from a depleted group of funds to all my long frozen cards, to keep my \" perfect on time credit payment history '' in tact, but this was becoming very difficult as the Hurricane created an overwhelming pile of expenses that were urgent in nature. It was becoming clear XXXX XXXX would be a long one, and many things would need to be paid out of my pockets with the hope of reimbursement later on from Insurance, or FEMA or an SBA situation. The latter two are a joke but thats another story. \nI asked Amex repeatedly what they were offering those of us in Florida so that we could focus on the Catastrophe and i was told there was a program and I was in it, but no one at all could tell me what it was. Nothing at all changed with what they wanted each month, at what time, and for all the useless cards they had frozen. In XXXX, to save my sanity, i finally saw I had absolutely no protection, no ally, and if I wanted to attempt to save whatever was left of my credit ( score now XXXX from XXXX ), I had to enter an agreement with them, despite my hands and legs being tied up, and the insanity of the entire picture going into its XXXX month. \n\nXX/XX/2022 - I purposely did not pay what I had been all along, on the XXXX XXXX Amex. This was my only leg to stand on when it came to getting their attention. It worked, and between XXXX or more calls with the Phillipines and XXXX ( American Express ) , i accepted an agreement where I would pay around {$1200.00} per month on the four cards in one lump sum payment each month. Obviously this was done under diress and without any assistance from their side or the ability to secure an attorney as i could not afford to put money in that direction recovering from the disaster. I hoped this would stabalize the issue long enough for me to focus on my other pressing needs, stop their complete and utter harrassment of me thru phone calls, texts, threats on the calls, and threats thru the mail, mail that came every day, sometimes multple times. This company is out of control and clearly no one is policing them. \n\nThey reported to the Credit bureaus for XXXX being late, and destroyed my credit score, as i mentioned above. I tried until i was blue in the face to get anyone to reverse that. They would not, they see themselves as an untouchable XXXX, and from what it appears they are. \n\nXXXX XXXX XXXX : I paid the agreement month after month, on-time, even when they tried almost right from the gate to sabotage me ( by taking the lump sum payment and moving it to four separate payments spaced all throughout the month ). I began to not even think about the XXXX this company caused me, except that, this monthly expense is up there, and with four frozen cards, its basically money set afire. This was confirmed for certain when it became clear they were not even reporting the agreement or the fact i was paying at all, let alone, on time each month - to any of the credit bureaus. THey had th best of both worlds, they destroyed my credit, and were also getting me to pay them each month. Every time i advised them, they must follow their end of the agreement and report my payments, removing the default status or the agreement we were operating under would be invalidated- they just gave lip and no action. \n\nFinally, at the behest of an attorney and one of the banks i work with, I headed their advise and stopped paying this extortion in XXXX. Immediately the harrassment has returned. I made clear initially and repeatedly since, to Amex, that they simply need to report the payments and we can discuss a return to the agreement. While they say they understand and will be taking action to meet this request, they have done nothing. This is where we stand now. \n\nI have little confidence that anyone will ever help me here, or that anyone actually holds American Express accountable. American Express employees exhibit a XXXX confidence that makes it clear they feel no threat for any of their disgusting actions. \n\nBest-","date_sent_to_company":"2023-11-04T07:37:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"339XX","tags":null,"has_narrative":true,"complaint_id":"7803337","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-11-04T06:40:28.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["It <em>worked</em>, and between <em>XXXX</em> or more calls with the Phillipines and <em>XXXX</em> ( American Express ) , i accepted an agreement where I would pay around {$1200.00} per month on the four cards in one lump sum payment each month. Obviously this was done <em>under</em> diress and without any assistance from their side or the ability to secure an attorney as i could not afford to put money in that direction recovering from the disaster."]},"sort":[10.385401,"7803337"]},{"_index":"complaint-public-v1","_id":"2229985","_score":10.0580015,"_source":{"product":"Mortgage","complaint_what_happened":"In XXXX of 2014, I received a delinquent notice from XXXX XXXX. I was informed that my note had been sold to XXXX by XXXX. I informed the customer service rep that I had not received a letter informing me of my note being serviced by a new provider and that I made my house payment on time to LoanCare. \nWhen XXXX purchased my loan, I called them to find out what was going on. A XXXX rep told me that I had no escrow balance, no homeowner 's insurance, and they were charging me their hazard insurance. A XXXX rep told me to resolve my escrow issue I would have to contact XXXX. When I contacted XXXX they told me XXXX is my servicer and I need to contact them. I was later informed later by XXXX they wanted {$1500.00} for advance deposit to escrow. I was informed that it was XXXX 's policy to keep a reserve of money up front for escrow. I refused to give them that much money up front. I told the rep, \" I do not care about your policy, because that is not what I agreed to '' His reply was something like \" I need to read my contract because XXXX can ask for whatever they want and I could lose my house ''. I informed the rep that I was paying my house insurance out of my pocket since both LoanCare and XXXX refused to reply to XXXX 's attempts to collect from both mortgage providers. I also wanted to know why such a large amount of money was being asked of me since my property tax was paid on XXXX XXXX, 2014 and XXXX took over XXXX XXXX, 2014. XXXX would have a complete year to collect escrow from me and according to my monthly statements LoanCare/Selene withhold an additional {$300.00} a month for escrow. I feel none of this would have ever happened if XXXX or both mortgage providers would have worked with me and addressed my questions. Instead I was met with threats of losing my home and constant remarks that I owe and just pay. I am also frustrated that later they increased my P & I payment from {$860.00} to over {$1000.00}. I was told that since I did not pay the {$1500.00} advance deposit that they altered my house payment to reflect the {$1500.00}. Under RESPA I can only be charged 2 months ' worth of escrow so the {$1500.00} is too much. I would have been fine with paying {$600.00} which is 2 months ' worth of escrow as long as they could explain why. I was also getting charged for hazard insurance because they would not recognize XXXX as my new insurer. In XXXX of 2014, I switched from XXXX insurance to XXXX, but XXXX kept saying they never received any notice from XXXX. XXXX rep gave me the days and times of when they tried to notify XXXX. I had the same issue with XXXX until XXXX of 2014 when XXXX setup a conference call with XXXX and myself. So I know I was being charged for an inflated hazard insurance and I also paid for my own house insurance in 2014. Also, under RESPA I should have received notification from both parties ( current lender & new firm ) 15 days before the date my new lender takes over the administration of my loan. I am so frustrated because, of the lack of professionalism shown to me. I have been hung up on, disconnected after waiting on hold for XXXX and when I did get someone most could not speak XXXX and just wanted me to make a payment. No rep was willing to help resolve the issue. I did speak with a XXXX who handles my property tax and according to her, in 2014 my property insurance was paid by the time XXXX took over the account. Since that was the case and I was paying out of pocket for my house insurance, then why did XXXX want an advanced escrow payment of {$1500.00}? \nI am willing to work this out, but I think my account needs a full audit which XXXX refuses to do. Now I 'm on the verge of getting foreclosed on and I did nothing wrong.","date_sent_to_company":"2016-12-01T03:46:47.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"VA mortgage","zip_code":"49464","tags":null,"has_narrative":true,"complaint_id":"2229985","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Selene Finance LP","date_received":"2016-12-01T03:46:46.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>XXXX</em> rep gave me the days and times of when they tried to notify <em>XXXX</em>. I had the same issue with <em>XXXX</em> until <em>XXXX</em> of 2014 when <em>XXXX</em> <em>setup</em> a conference call with <em>XXXX</em> and myself. So I know I was being charged for an inflated hazard insurance and I also <em>paid</em> for my own house insurance in 2014. Also, <em>under</em> RESPA I should have received notification from both parties ( current lender & new firm ) 15 days before the date my new lender takes over the administration of my loan."]},"sort":[10.0580015,"2229985"]},{"_index":"complaint-public-v1","_id":"1683027","_score":10.039938,"_source":{"product":"Debt collection","complaint_what_happened":"My debt is from XXXX which is almost 17 years ago. I was told by both of the original debt collectors they would write off the XXXX dollars because I became ill and could not work due to my illness in the year of XXXX. Out of no where Midland Credit Management , INC . took money out of my checking account and threatened to keep it and sue me if I did not give them XXXX of dollars. I had to go to court and they gave me a card to call MCM. I called them immediately and explained my current my financial status that was in the area of poverty and if my money was not returned I was going to be homeless. I told them that I had not been contacted by them and they agreed to return my money only under the conditions that I I setup a payment plan with them to pay off thousands of dollars. I agreed to pay XXXX a month until it gets down and then they will make an offer to pay it off. Well, I been paying faithfully every month for 8 months. This past XXXX ( XXXX ) I got a letter that said I needed to set up a new payment plan. I called them and paid them XXXX and they never told me it was for a different collection they picked up on me in the year of XXXX during the same time of my illness. I went through a divorce due to my illness and he left me with all the bills. I am not a dishonest person I just did not have it and have not been able to recover from my illness is the reason for my low socioeconomic status. By this company not telling me there was a new bill I was paying on the bill got me behind a month so i tried to call and tell them what they did and they acted like they did not know what I was talking about. I gave them XXXX for both months. I called the other number to try and get to the bottom of this issue and they hung up on me several times and they gave me false numbers and I was only connected to the credit managers in XXXX. They would not connect me to an English speaking person and they were very rude and hateful to me. I tried to tell them that I did not know about the new bill and they said that they explained it to me and they did not! I do not know what to do I was XXXX at the time of these bills in the year of XXXX. Please help me to resolve this issue. I will be fair but I cant get any answers and I am afraid everyday they are going to steal my bill money again. I do n't know my rights but i do know that I feel violated and I am afraid of this company. I cant find a number that is in the US. Please HELP ME!!!!!!!!!!","date_sent_to_company":"2015-12-04T03:29:01.000Z","issue":"False statements or representation","sub_product":"Credit card","zip_code":"23860","tags":null,"has_narrative":true,"complaint_id":"1683027","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2015-12-04T03:29:00.000Z","state":"VA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I told them that I had not been contacted by them and they agreed to return my money only <em>under</em> the conditions that I I <em>setup</em> a payment plan with them to pay off thousands of dollars. I agreed to pay <em>XXXX</em> a month until it gets down and then they will make an offer to pay it off. Well, I been paying faithfully every month for 8 months. This past <em>XXXX</em> ( <em>XXXX</em> ) I got a letter that said I needed to set up a new payment plan."]},"sort":[10.039938,"1683027"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":90,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":90}]}},"product":{"doc_count":90,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":20,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":10},{"key":"VA mortgage","doc_count":6},{"key":"FHA mortgage","doc_count":2},{"key":"Home equity loan or line of credit (HELOC)","doc_count":2}]}},{"key":"Credit card or prepaid card","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":8},{"key":"Store credit 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