{"took":102,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":25,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"1348397","_score":16.044285,"_source":{"product":"Mortgage","complaint_what_happened":"Due to a financial hardship when I purchased and had installed a new furnace I requested a loan modification in XXXX XXXX through XXXX ( XXXX ) with IndyMac Mortgage Company. IndyMac requested from me the same documention and information over and over again, with no resolution as of XXXX XXXX. Due to the financial hardship my mortgage was behind by XXXX payments. Upon sending my XXXX payment which was late the payment was returned. The lender was not working with me, would not accept my payments and by XXXX XXXX I received foreclosure documentation to be effective XXXX XXXX, XXXX. One week prior to foreclosure I received a XXXX alternative trial loan modification with IndyMac in XXXX XXXX on an original loan balance of {$72000.00} with a monthly payment of {$700.00}. The trial loan modification required that I paid {$500.00} for XXXX to XXXX and a permanent modification would be granted if I was in full compliance. A full modification was granted in XXXX XXXX with an unpaid principal balance now of {$77000.00}. There was an escrow shortage in the amount of {$1100.00} with the monthly payment of this shortage to be paid over a five-year ( 60 months ) period. This monthly payment has been already included in the monthly escrow payment. Review of OCWEN 's Annual Escrow Account Disclosure Statement Account History now reflects a NewLoan Setup Fee and which there should be no modification fee. This is not a new loan and assignment or transfer of this loan from the previous servicer, IndyMac to Ocwen effective XXXX XXXX, XXXX does not warrant the fee assessed to this loan. My escrow is to be used for taxes and insurance and this servicer by federal lending guidelines are now violating fair lending laws and are exhibiting predatory violations. Communication with OCWEN has been tedious and frustrating because I initially responded in XXXX and their response in XXXX XXXX is as follows. Please be advised that the servicing of the loan was relocated from XXXX Ocwen servicing location to another on XXXX XXXX, XXXX, with a negative escrow balance of {$790.00}. OCWEN caused the negative escrow balance when charged the NewLoan Setup Fee. This is not a new loan and relocation from XXXX Ocwen servicing location to another is an OCWEN charge not a charge to the consumer or customer. This act is predatory and the loan modification clearly states that the escrow shortage on this loan is included in my current payment. Additionally, my mortgage payment changed, in XXXX, it was {$500.00} and in XXXX it went down to {$490.00}. OCWEN 's attempt to assess 18 months later an unauthorized charge to my escrow that only allows for taxes and insurance is a predatory act and blatant violation of Fair Housing, Fair Lending and Mortgage Servicing Laws and is illegal. In summary the prior Loan Servicer, IndyMac Mortgage Services verified that this is a loan transfer effective XXXX/XXXX/XXXX and transfer of the servicing of this loan does not affect any term or condition of the mortgage contract.","date_sent_to_company":"2015-04-27T17:30:02.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional fixed mortgage","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"1348397","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2015-04-27T17:30:01.000Z","state":"MO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["OCWEN 's attempt to assess 18 months later an <em>unauthorized</em> <em>charge</em> to my <em>escrow</em> that <em>only</em> <em>allows</em> for taxes and insurance is a predatory act and blatant violation of Fair Housing, Fair Lending and Mortgage Servicing Laws and is illegal. In summary the prior Loan Servicer, IndyMac Mortgage Services verified that this is a loan transfer effective XXXX/XXXX/XXXX and transfer of the servicing of this loan does not affect any term or condition of the mortgage contract."],"issue":["Loan servicing, payments, <em>escrow</em> account"]},"sort":[16.044285,"1348397"]},{"_index":"complaint-public-v1","_id":"18705513","_score":15.851453,"_source":{"product":"Mortgage","complaint_what_happened":"* * * NOTE : THERE ARE NUMEROUS OTHER DOCUMENTS THAT I NEED TO PROVIDE IN ADDITION TO WHAT IS SHOWN HERE. PLEASE CONTACT ME TO OBTAIN THOSE DOCUMENTS. * * * I am submitting this complaint regarding long-standing servicing errors and mismanagement of my mortgage account, which have caused financial hardship and put my home at risk. Since the servicer took over the loan, the account has experienced repeated mismanagement of escrow funds, including unapplied surplus payments, negative escrow balances, and improper disbursements. \n\nExcessive insurance premiums were charged and paid through the servicer without prior notice, leading to a significant and unsustainable increase in my monthly payment. I have been unable to make partial payments or manage the escrow effectively due to restrictions imposed by the servicer. Additionally, delays in recognizing the successor in interest after the death of the primary borrower prevented access to the account, insurance refunds, and proper application of payments. \n\nAttempts to resolve these issues, including requests for escrow corrections, insurance reimbursements, loan modification, forbearance, and payment deferrals, have been met with confusion, delays, and inadequate responses. These errors have caused repeated financial and emotional strain, threatened foreclosure, and prevented resolution of the account despite my willingness and ability to pay the correct mortgage amounts. \n\nI am submitting supporting documentation, including call notes, written correspondence, and account statements, which detail the timeline of these issues, the servicers responses, and the ongoing impact on the account. My goal is to have the servicer correct escrow mismanagement, properly apply payments and refunds, prevent unauthorized insurance charges, and establish a sustainable monthly payment. \n\nThese are the call notes that I have taken during recent conversations with Mr. Cooper Representatives : > On XX/XX/XXXX, I spoke with Mr. Cooper regarding ongoing issues with our mortgage account caused by mismanaged escrow and excessive insurance charges. I explained that our original monthly payment was {$350.00}, but due to escrow-controlled disbursements for insurance and taxes that were mishandled, our monthly payment had ballooned to over {$1200.00}. I informed the representative that we had sufficient funds to cover the mortgage principal and interest, but the system would not allow payments below the inflated, escrow-driven amount. \n\nI requested guidance on defending against the insurance companys overcharges and preventing further unnecessary increases to the escrow balance. The representative confirmed that the account had been mismanaged but stated that escrow removal could not occur until the outstanding shortage of XXXX XXXXcaused by the insurers overchargewas reimbursed. I emphasized that we had no control over these insurance charges and that this situation had persisted for nearly XXXX years, causing repeated financial hardship and emotional distress. \n\nDespite my explanation, the representative insisted that our only recourse was to secure a lower-cost insurance policy, wait for reimbursement, and then request escrow removal. This process left us effectively trapped in the inflated payment cycle until all steps were completed. I expressed frustration that we had never previously been informed that we could handle insurance and taxes ourselves to maintain a reasonable mortgage payment. \n\nThe representative reassured me that once the insurance was switched, reimbursement received, and escrow removed, our monthly payment would return to approximately {$320.00}, but only after enduring months of excessive, preventable payments and an artificially inflated escrow balance. \n\n> On XX/XX/XXXX, I contacted Mr. Cooper to warn that an additional escrow-funded insurance payment was scheduled imminently, which would further deepen the negative escrow balance and delinquency. I requested that the servicer pause or prevent the payment so that the pending insurance refund could be applied and escrow could be stabilized. \n\nThe representative acknowledged the situation but stated that the servicer could not stop the payment. I explained that proceeding with the payment would restart the cycle of escrow shortages, inflated monthly payments, and inability to make regular mortgage payments. Despite this advance notice, the servicer went forward with the escrow-controlled insurance payment, exacerbating the accounts default status. \n\nI also explained that the insurance refund check had been issued in the deceased borrowers name, making it impossible to cash, and that the insurer had been instructed to send the funds directly back to Mr. Cooper. The representative confirmed that escrow removal and stabilization could not occur until the refund was received, while continuing escrow disbursements that increased the deficit. \n\n> On XX/XX/XXXX, I contacted Mr. Cooper to confirm whether the insurance companys refund check had been received and could be applied to the account to address the negative escrow balance. I explained that the check had been sent to me instead of directly to Mr. Cooper and that I could not deposit it. I asked whether I could endorse the check and submit it to Mr. Cooper to correct the escrow balance and facilitate escrow removal. \n\nThe representative initially indicated that, once the funds were returned to escrow, the account could be evaluated for potential escrow removal. However, they also explained that the servicer typically does not accept checks issued to the borrower rather than directly to Mr. Cooper, creating additional obstacles and delaying resolution. \n\nI further explained that the accounts escrow had been taken over without our consent when Mr. Cooper purchased the loan, which allowed the insurance company to raise premiums dramaticallyfrom approximately {$1000.00} to nearly $ XXXX our agreement. This led to inflated mortgage payments, delinquency notices, and threats of foreclosure despite my efforts to resolve the situation. \n\nThe representative acknowledged the issues but did not provide a clear resolution before the call ended abruptly by them hanging up on me. \n\n> On XX/XX/XXXX, I spoke with Mr. Cooper representatives regarding disruptions to our mortgage account caused by mismanaged escrow, lender-placed insurance, and the death of the primary borrower, my grandfather. I explained that while we had sufficient funds to pay the regular mortgage, the system would not allow us to apply any payments without completing the successor-in-interest process. \n\nThe representative confirmed that, without proper successor documentationincluding a death certificate and proof of relationshipthey could not release loan-specific information, process insurance refunds, or apply payments. This placed us at risk of foreclosure despite our willingness and ability to pay. I emphasized that the situation had caused confusion, repeated financial hardship, and emotional distress. \n\nI described that the insurance company had issued a refund check in our name, which we could not deposit because the primary borrower had no bank account. The servicer refused to redirect the funds without successor authorization. I expressed frustration that we had never been informed that lacking successor documentation would prevent us from accessing funds or making payments, leaving the account effectively frozen and unresolved. \n\nThe representative acknowledged that these issues were not our fault and remained on the call while escalating the matter to a loss mitigation specialist. They then advised that, once the successor-in-interest paperwork is completed, the specialist would assist in resolving escrow, insurance, and payment issues. \n\n> On XX/XX/XXXX, I spoke with Mr. Cooper representatives regarding ongoing problems with our mortgage account stemming from mismanaged escrow, lender-placed insurance, and prior servicing errors. I explained that the account had been severely disrupted by insurance charges that we had not approved and over which we had no control. Despite having funds to make our regular mortgage payments, we could not access or apply refunds issued by the insurance company because the primary borrower ( my grandfather ) did not have a bank account and the check lacked an endorsement line. I expressed concern about the risk of losing our home despite our willingness and ability to pay. \n\nThe representative confirmed that when Mr. Cooper assumed servicing in XX/XX/XXXX, the account already carried an escrow balance transferred from the prior servicer. They explained that lender-placed insurance had been applied prior to Mr. Coopers servicing and that escrow disbursements, including delinquent taxes, had contributed to an inflated mortgage balance. I explained that these insurance charges had effectively quadrupled our monthly payment, causing extreme financial and emotional stress. \n\nThe representative informed me that the account could not be fully resolved or adjusted until the successor-in-interest process was completed due to the death of the primary borrower. To legally assume ownership and access loan-specific information, I needed to provide the deceased borrowers death certificate and proof of relationship, such as my birth certificate. I expressed concern that this process could require credit checks and complicate ownership transfer, as my father ( co-manager of the property ) wished to avoid probate. \n\nThroughout the call, I conveyed ongoing confusion, stress, and frustration over years of miscommunication and lack of transparency regarding escrow and insurance management. The representative acknowledged my concerns, confirmed the historical mismanagement of escrow and insurance, and escalated the matter to a loss mitigation specialist to guide me through the successor-in-interest process. I was reassured that, once the proper documentation is submitted, Mr. Cooper would assist in restoring account control and resolving outstanding issues. Until that process is completed, however, we can not access insurance refunds, adjust escrow, or prevent further potential foreclosure action. \n\nXXXX XXXX XX/XX/XXXX, I contacted Mr. Cooper to address ongoing issues with our mortgage account, including mismanaged escrow, lender-placed insurance, and complications related to the successor-in-interest process following the death of the primary borrower. I requested assistance from the research department and asked that my attorney or legal representative be allowed to speak with someone at Mr. Cooper regarding the account. \n\nThe representative repeatedly placed me on hold and confirmed that I was not listed as an authorized party on the account, despite my active involvement in managing payments and the property. When I requested that my attorney be allowed to communicate on our behalf, the representative stated that no information could be provided to an unauthorized party and refused to escalate the call to the legal or research department. \n\nI emphasized the urgency of resolving the account issues due to the successor-in-interest process and my need to access account information. The representative maintained that, without proper authorization, they could not provide assistance. The call concluded without resolution, leaving the account issues unaddressed and continuing the risk of foreclosure despite our willingness and ability to manage the mortgage and related payments. \n\n> On XX/XX/XXXX, I spoke with a Mr. Cooper representative regarding ongoing issues with our mortgage account, including mismanaged escrow, excessive lender-placed insurance payments, and complications arising from the successor-in-interest process following the death of the primary borrower. I explained that the account had experienced repeated mismanagement since Mr. Cooper assumed servicing in XX/XX/XXXX, including escalating monthly payments from {$780.00} to over {$1200.00} due to escrow shortages and unauthorized insurance disbursements. I requested guidance on correcting the account, reducing the monthly payment, and properly applying funds from previous escrow surpluses. \n\nThe representative confirmed that my father, XXXX XXXX, had been recognized as the successor in interest and that I could be added as an authorized party on the account. We discussed placing a new insurance policy on the property, and the representative explained that the policy could be applied, but the existing negative escrow balance would temporarily increase until the new policy was processed and prior overpayments reimbursed. \n\nI emphasized that the original {$6400.00} escrow shortage was caused entirely by Mr. Coopers prior payments to the insurer without notification. Because of these errors, we had been unable to make partial payments or otherwise manage the mortgage since XX/XX/XXXX, resulting in a current account balance exceeding {$11000.00}, despite the original loan obligation being only {$320.00} per month. I also explained that previous surplus checks had not been correctly applied due to the lack of a recorded successor-in-interest, compounding the escrow mismanagement. \n\nI stressed that these ongoing issues, including repeated forced-placed insurance payments without notice, had caused prolonged financial strain and confusion. The representative acknowledged the problems and agreed to escalate the matter to a manager to help resolve the issues, including properly applying surplus funds, correcting escrow calculations, and preventing further unauthorized insurance charges.\n\nWe scheduled a follow-up call with a manager for the next day at a time when my father could participate to ensure a thorough review of the account and begin addressing the longstanding mismanagement. The call concluded with the understanding that corrective steps would be pursued, but no immediate resolution was achieved during this call. \n\n> On XX/XX/XXXX, I contacted Mr. Cooper to follow up on longstanding issues with our mortgage account, including mismanaged escrow, unauthorized lender-placed insurance, and confusion regarding the successor-in-interest process. My father, XXXX XXXX, had recently been recognized as the successor in interest following the death of the primary borrower, XXXX XXXX, and I am an authorized user on the account. I requested assistance from someone with authority to review and resolve account issues dating back to XXXX, including misapplied payments, unauthorized insurance charges, and payment history discrepancies. \n\nI informed the representative that we had previously been told a manager would call at XXXX PM to review the account, but no call occurred. I also noted that a formal Notice of Error was submitted on XX/XX/XXXX, regarding escrow mismanagement, negative balances, and forced-placed insurance payments, which had caused significant financial and emotional strain. \n\nI explained that previous escrow disbursement checks issued in my grandfathers name could not be applied because no successor in interest had been recorded, leading to negative balances, additional analyses, and an increase in our monthly mortgage payment despite available funds. I emphasized that the recent {$8200.00} insurance payment far exceeded normal premiums of approximately {$1500.00} and, combined with mismanaged escrow, caused our monthly mortgage payment to jump from {$780.00} to {$1300.00}, despite the original note being {$320.00} per month. Partial payments were not accepted, and the instructions to cancel the insurance, wait for a reimbursement check, and return the funds to Mr. Cooper delayed correction of the account, resulting in an approximately XXXX-XXXX  delinquency balance of over {$5000.00}. \n\nI clarified that our inability to pay the inflated {$1300.00} amount was not due to general financial hardship but resulted from ongoing service errors, misapplied funds, reversed payments, and long-standing escrow mismanagement. We now have a replacement insurance policy ready to submit but are hesitant to apply the premium until the negative escrow issue is resolved. \n\nI detailed the history of the insurance premiums, which increased from around {$1500.00} in XXXX to {$3400.00} in XXXX, then spiked to {$8200.00} in XXXX without notification or opportunity to review. Additionally, a {$2000.00} surplus check from XXXX could not be cashed due to the death of the original borrower, contributing to a negative escrow balance that compounded over the years. A previous loan modification trial was canceled after trial payments, and a forbearance and payment deferrals in XXXX further complicated the account. \n\nThe representative confirmed that Mr. Cooper pays insurance invoices as submitted by the insurance company and does not independently verify premiums or notify customers of increases beyond general notices. While Mr. Coopers payment of the {$8200.00} premium was understood, it contributed to a negative escrow balance, which combined with unapplied funds and service errors, left the account unmanageable. \n\nI emphasized that the payoff amount on the loan is now approximately {$2000.00} higher than the original loan despite over {$30000.00} in payments since Mr. Cooper assumed servicing, highlighting ongoing mismanagement. I requested guidance on working with the research department to review account history, correct negative escrow, and establish a manageable payment plan while maintaining the ability to bring the account current and prevent foreclosure. \n\nWe discussed the expired demand letter ( XX/XX/XXXX ), and I asked whether bringing the account current would allow someone to work on resolving escrow issues. The representative confirmed that the account must be current to prevent additional delinquency but that resolution of underlying escrow discrepancies requires review by an authorized department. \n\nI provided my contact number and confirmed that all future communications should be directed there to maintain continuity. I emphasized our commitment to resolving the account and protecting the home from foreclosure while ensuring payments reflect accurate escrow calculations. The call concluded with the understanding that a manager or authorized department would review the account to reconcile misapplied payments, correct escrow, and prevent unauthorized insurance charges, though no immediate resolution was achieved.","date_sent_to_company":"2026-01-14T04:47:43.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"721XX","tags":null,"has_narrative":true,"complaint_id":"18705513","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2026-01-14T04:12:40.000Z","state":"AR","company_public_response":null,"sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["The call concluded with the understanding that a manager or authorized department would review the account to reconcile misapplied payments, correct <em>escrow</em>, and prevent <em>unauthorized</em> insurance <em>charges</em>, though no immediate resolution was achieved."],"sub_issue":["<em>Escrow</em>, taxes, or insurance"]},"sort":[15.851453,"18705513"]},{"_index":"complaint-public-v1","_id":"18335760","_score":15.115528,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXShellpoint Mortgage ServicingXXXX XXXX XXXX XXXX XXXXnRe: Notice of Error Under RESPA 1024.35  Improper Delinquency Notice and Foreclosure Threat Dated XXXX, Improper Insurance Premium Disbursement on XXXX, Failure to Cancel/Refund FPI, and Escrow Mismanagement (Loan #XXXX)\\n\\nDear Shellpoint Mortgage Servicing:\\n\\nThis is an updated Notice of Error (NOE) under 12 CFR 1024.35 regarding errors in servicing my loan. Acknowledge receipt within 5 business days and resolve within 30 business days (extendable by 15 with notice) per 1024.35(d)(e). This updates and incorporates my prior QWR  dated XXXX (XXXX XXXX), recent NOEs dated XXXX XXXX XXXX XXXX XXXX XXXX and CFPB complaints (IDs XXXX  plus new complaints filed post-XXXX).\\n\\nThe delinquency notice dated XXXX (reference: \"foreclosureEscalationLetter.pdf\") falsely asserts a delinquency of XXXX and threatens foreclosure proceedings, despite the purported \"missed payment\" stemming entirely from your unauthorized force-placed insurance (FPI) charges and improper escrow management, which are the subject of ongoing disputes under RESPA. This notice is abusive and improper, particularly as I am a XXXX XXXX, constituting financial elder abuse under California\\'s Elder Abuse and Dependent Adult Civil Protection Act (EADACPA, Welf. & Inst. Code 15610.30). It ignores my valid proof of continuous HOA master policy coverage, including the upload on XXXXXXXX (effective XXXX), and violates RESPA\\'s prohibitions on dual tracking and negative actions during error resolution. Although I made a payment of XXXX on XXXX under protest to cure the alleged delinquency and avoid your threatened foreclosure, this does not waive my rights to challenge the notice\\'s validity or seek full refunds for the unauthorized charges that created the artificial shortage.\\n\\nActions Taken to Verify and Upload Insurance Coverage:\\n\\nUploaded the most recent Certificate of Liability Insurance on XXXX (dated XXXX, effective XXXX XXXX XXXX) for XXXX XXXX  HOA, including flood coverage with limits of XXXX  and a XXXX deductible (reference: XXXX XXXX XXXX).\\nCaptured screenshots of the policy document, including current coverage dates, to document the upload process and confirm active coverage.\\nUploaded the policy to the CFPB portal on XXXX and included it in the DFPI complaint submitted on XXXX\\nSent the policy via certified mail on XXXX to Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX XXXX XXXX, and additionally to Shellpoint Mortgage Servicing Insurance Department XXXX XXXX XXXX XXXX XXXX XXXX  as specified in the XXXX letter.\\nIssues with Shellpoint\\'s Upload Portal:\\n\\nThe portal design hides uploaded file names after submission, making it challenging to verify or prove which specific documents were received by Shellpoint.\\nNo visible upload history or list of previously submitted files is available, preventing independent confirmation of what has been provided over time.\\nShellpoint provides no feedback or status update on the reviewed policy (e.g., no confirmation email, dashboard notification, or explanation of deficiencies), which complicates tracking, confuses and misdirects the customer as to what, if anything, was wrong with the proof of insurance upload, and allows Shellpoint to merely continue extorting money through its rigged collection process. As the customer, I have been uncertain as to what was wrong since the first attempt to upload the insurance policy on XXXX. For a long time, I have been convinced that I had satisfied the requirement of uploading a valid policy. Afterward, I have only been guessing and assuming what the problem could be. Additionally, I uploaded XXXX XXXX XXXX the policy showing the effective date XXXX XXXX XXXX XXXX XXXX  and upon review of this complaint realized I did not receive an email notification. Which only leads me to making assumptions, not knowing for sure what happened, that maybe I did not scroll all the way down to the bottom of the web page and click Submit. Regardless of clicking the Submit button or not, this policy was uploaded to the expressinsuranceinfo portal. It should be on the portal for the customer to see. The portal knows of its online existence and should provide status that it is there and needs to be submitted. Although that should not be necessary if the policy is on the portal. The portal should forward this policy on its server to Shellpoint. This is an easy thing to code on the portal, unless it is the intent of this rigged collection to fleece money from the customer.\\nA lender-placed insurance policy letter dated XXXX disregards the XXXXXXXX upload of XXXX XXXX XXXX  (dated XXXX effective XXXX to XXXX) on the expressinsuranceinfo.com portal. I have definitive proof of this upload with the screenshot in XXXX However, since Shellpoint has never responded to these submissions, I did not send the proof to the designated fax number, XXXX\\nPattern of Violations and Non-Compliance:\\nThe Acknowledgment Loop Trap:\\nThe document you uploaded (XXXX) is a standard form letter designed to satisfy 12 CFR  1024.35(d) of Regulation X (RESPA).\\n\\nThe Trap: The law requires them to acknowledge your inquiry within 5 business days (which they did with this letter).\\n\\nThe Violation: The same law requires them to resolve the erroreither by correcting it or explaining why it\\'s not an errorwithin 30 business days (potentially extendable by 15 days).\\n\\nMy Leverage: Since I stated \"nothing ever is sent that addresses my inquiries,\" Shellpoint is likely in violation of 12 CFR  1024.35(e). I should explicitly mention this violation to XXXX XXXXThe Trap for XXXX  - My monthly payment has increased:\\n\\nMy previous payments were XXXXMy new payment due XXXX XXXX XXXX is XXXXn\\nWarning: If I autopay XXXX for XXXX, it will be considered a \"Partial Payment\" because it is less than the new required amount. It will sit in the suspense account and not be applied, potentially causing a late fee.\\n\\nThe compliance loop:\\n\\nThey receive my Notice of Error regarding the stolen funds.\\n\\nThey send a template acknowledgment letter stating they are \"gathering requested information\".\\n\\nThey close the inquiry without ever providing the information, correcting the error, or explaining their determination, as required by federal lawallowing them to continue improperly billing for force-placed insurance through invalid Mortgage Statements, forcing me to comply with these erroneous charges under threats of foreclosure.\\n\\nThis pattern is exemplified by the XXXX delinquency notice, which escalates threats without resolving prior NOEs asserting the invalidity of the underlying charges. Your failure to accept the HOA master policy, as required under the Deed of Trust Section 5 and California Civil Code (Davis-Stirling Act 4775 and 5300), constitutes bad faith, breaching the implied covenant of good faith and fair dealing. Shellpoint has been on notice for years of the condo status and master policy, making repeated \"non-receipt\" claims fraudulent and abusive.\\n\\nErrors Asserted:\\n\\nImposition of fee/charge without reasonable basis (1024.35(b)(5)): On XXXX you disbursed another XXXX for \"Lender Placed Flood Disbursement\" (attached payment history screenshot), depleting escrow to XXXX despite my XXXX XXXX upload (XXXX XXXX XXXX confirming HOA master policy coverage (effective XXXX XXXX via XXXX XXXX XXXX, including flood at $XXXX  via XXXX XXXX XXXX, updated details: flood coverage limits of XXXX  with XXXX  deductible). This unwarranted XXXX  ignores proofs and the 72-hour update promise (expired), creating artificial shortages. The XXXX statement (reference: \"XXXX XXXX XXXX XXXX  continues to disregard the XXXX upload and CFPB/certified mail submissions, projecting ongoing FPI charges and increasing the monthly payment to XXXX XXXX XXXX (from previous XXXX  with escrow portion at XXXX due to the artificial shortage. Although my payment oXXXX XXXXXXXX  on XXXX (made under protest to cure the alleged delinquency) was applied to clear the backlog and bring the account current, with current principal balance at XXXX and escrow at XXXX as of XXXX, this application effectively forced me to cover the unauthorized FPI charges through my payment. Total recent unrefunded FPI now XXXX  ($XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX), with historical data showing a pattern of disbursements totaling XXXX since XXXX partially offset by refunds of XXXX XXXXesulting in a net consumer cost of XXXX (reference: XXXX XXXX XXXX). These charges violate the loan contract\\'s Section 5 (Loan Charges), which requires refund of any sums collected that exceed permitted limits (reference: enclosed Note in XXXX).\\nFailure to accept proof of insurance and cancel/refund FPI (1024.35(b)(11), tied to 1024.37(g)): You failed to honor the XXXX within 15 days, refund overlapping premiums, or update my accountviolating timely resolution despite multiple uploads. The XXXX letter (reference: XXXX explicitly adds a lender-placed policy effective XXXX  disregarding the valid upload on XXXX, and fails to comply with the Deed of Trust\\'s Section 5 (Property Insurance), which allows lender-placed insurance only if borrower fails to maintain coverage. This also breaches the Condominium Rider\\'s provisions, which deem the borrower\\'s insurance obligation satisfied by an HOA master or blanket policy, waiving the need for separate coverage and related escrow charges. Furthermore, as servicer for a XXXX XXXXowned loan, you must follow XXXX XXXX guidelines (Selling Guide B7-3-03), which require acceptance of HOA master policies for condominium projects if they meet coverage standards. The policy also complies with National Flood Insurance Program (NFIP) Residential Condominium Building Association Policy (RCBAP) standards, recognized by federal law and lenders as sufficient for flood coverage in condominiums. Under California\\'s Davis-Stirling Act (Civ. Code 4775), the HOA is responsible for insuring common areas via the master policy, with annual disclosures required (XXXX), satisfying my individual obligation. Your refusal constitutes bad faith and violates the implied covenant of good faith and fair dealing. The XXXX  statement confirms ongoing disregard, as it includes an \"Important Message\" about suspense accounts despite my full payment on XXXX  incorrectly implying insufficient funds. The XXXX notice further compounds this by basing threats on these invalid charges.\\nEscrow mismanagement (1024.35(b)(7)): This disbursement ignores adequate funds for taxes (XXXX pre-this as of XXXX representing an adequate cushion in the escrow account, with tax disbursement of XXXX  on XXXX  and my disputes, violating 1024.17(k)(2) (proper advances) and creating shortages from your errors. The escrow account history reflects these ongoing lender-placed charges, contributing to a projected shortage and an increase in monthly escrow payments from XXXX to XXXX effective XXXX, plus a $XXXX monthly shortage recovery (reference: XXXX XXXX). The projected escrow activity for XXXX  continues to include monthly lender-placed flood disbursements of XXXX indicating no recognition of the uploaded policy (reference: escrow statement projections). A late charge of XXXX  was assessed on XXXX amid these issues, despite the adequate cushion providing no justification for such a fee, which per the Note\\'s Section 6(A) applies only to overdue payments of principal and interest, not escrow-related shortages. Furthermore, these unauthorized FPI disbursements created an \"escrow waterfall\" effect, where payments are applied first to escrow items under the Deed of Trust Section 2, causing subsequent payments (e.g., 1XXXX  to appear insufficient and triggering invalid fees, despite timely principal and interest. The XXXX statement\\'s \"Important Message\" about holding payments in suspense is misleading, as I paid the full billing amount on XXXX, yet it implies otherwise. The XXXX  notice escalates this mismanagement by falsely declaring a delinquency based on these artificial shortages.\\nFailure to provide accurate information regarding error resolution (1024.35(b)(11)): XXXXXXXX provides no status/feedback, and you ignored the 72-hour promise, misleading on verification timelines. For submitted Notices of Error (NOE), the only responses received are form letters indicating the matter is \"under review,\" with no substantive updates or resolutions provided. The XXXX  notice ignores these pending disputes and provides inaccurate delinquency information.\\nRecent Unauthorized Escrow Disbursements: Shellpoint has engaged in a pattern of unauthorized escrow withdrawals despite having been provided with proof of a valid HOA Master Policy. The most recent instances of this breach are:\\nXXXX XXXX deducted for \"Insurance Premium Disbursement\"XXXX XXXX deducted for \"Lender Placed Flood DisbursementXXXX XXXX deducted for \"Lender Placed Flood Disbursement\".\\nTotal Impact: These three unauthorized transactions alone totaled XXXX This depletion of funds is the direct cause of the perceived escrow shortage and the subsequent invalid XXXX late fee assessed on XXXX These charges represent proximate cause, as the escrow shortage was not due to my failure to pay but Shellpoint\\'s unauthorized withdrawals, violating the Note\\'s Section 5 requiring refunds of excess sums. The XXXX  notice weaponizes these errors to threaten foreclosure.\\nImproper delinquency notice and foreclosure threat (1024.35(b)(11)): The XXXXXXXX  notice falsely asserts a delinquency and right to foreclose, ignoring pending NOEs and QWRs disputing the charges. This violates 1024.35(e) by failing to resolve errors before escalating, and constitutes dual tracking under 1024.41(f) by advancing foreclosure processes during loss mitigation review (triggered by your notice offering options). As the \"delinquency\" arises solely from disputed FPI, any negative action, including this abusive notice, breaches RESPA\\'s protections during the 60-day dispute period (1024.35(i)) and California\\'s implied covenant of good faith.\\nThese errors violate RESPA, TILA Regulation Z 1026.36(c) (prompt crediting), FCRA 1681s-2(a)(3) (disputed reporting), and constitute UDAAP (deceptive practices). As a XXXX, this is financial abuse under California EADACPA (15610.30). Updated pivot (attached) shows net XXXX  overpayment since XXXX, supporting total XXXX refunds (XXXX historical XXXX XXXX recent).\\n\\nDemands:\\n\\nImmediate refund XXXX to escrow; reverse all FPI disbursements (total XXXX to escrow) per the Note\\'s Section 5 requiring refunds of excess charges.\\nConfirm HOA policy acceptance; cease all insurance billing/demands.\\nProvide updated escrow analysis (taxes only, adjusting balance to XXXX\\nSuppress adverse actions/reporting; provide documents relied on. Rescind the XXXX  delinquency notice and any related credit reporting.\\nProvide a complete log of all insurance document uploads to XXXX associated with my account, including upload dates, file names, IP addresses (if available), submission statuses, review outcomes, and any explanations for rejections or non-acceptance.\\nCease all foreclosure threats or proceedings; confirm in writing that no foreclosure will be initiated based on these disputed charges.\\nNon-compliance escalates to CFPB/XXXX XXXX with evidence. All in writing.\\n\\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This delinquency notice is baseless and harassing, as I\\'ve never missed a principal/interest paymentthe \"delinquency\" is manufactured from your errors. Even after paying XXXX  under protest, the underlying FPI issues persist, so this NOE remains critical. Escalate to XXXX XXXX  mentioning the 1024.35(e) violation, as they own the loan. Send via certified mail and portal.'","date_sent_to_company":"2025-12-29T07:18:25.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"92019","tags":"Older American","has_narrative":true,"complaint_id":"18335760","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-12-29T06:19:10.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["For submitted Notices of Error (NOE), the <em>only</em> responses received are form letters indicating the matter is \"under review,\" with no substantive updates or resolutions provided. The XXXX  notice ignores these pending disputes and provides inaccurate delinquency information.\\nRecent <em>Unauthorized</em> <em>Escrow</em> Disbursements: Shellpoint has engaged in a pattern of <em>unauthorized</em> <em>escrow</em> withdrawals despite having been provided with proof of a valid HOA Master Policy."],"sub_issue":["<em>Escrow</em>, taxes, or insurance"]},"sort":[15.115528,"18335760"]},{"_index":"complaint-public-v1","_id":"2543177","_score":14.639663,"_source":{"product":"Mortgage","complaint_what_happened":"I purchased a new home and as an XXXX XXXX XXXX XXXX XXXX XXXX XXXX I obtained a mortgage through XXXX. Up until XX/XX/XXXX my mortgage was serviced by XXXX XXXX XXXX XXXX but on XX/XX/XXXX XXXX changed over my mortgage to Nationstar. I was not asked whether I wanted this change nor was I informed of it. However, I had received a letter on XX/XX/XXXX from XXXX stating that Nationstar would be acting as XXXX agent on XX/XX/XXXX and that they would often use the name XXXX or XXXX XXXX XXXX XXXX while acting on behalf of XXXX. XXXX created an FAQ page specifically for this transfer of servicing to Nationstar : XXXX XXXX XXXX XXXXXXXX ( last visited XX/XX/XXXX ). One of the FAQs on this page is Will I be charged any additional fees with the transfer of servicing to Nationstar? The answer to that FAQ is : No. You will not be charged any additional fees because of the transfer of servicing to Nationstar. It was after the switch to Nationstar that I begin to have problems. I went to Nationstars website and made a payment using my old XXXX checking account into my escrow. I had never heard of nor did I authorize the use of non-party XXXX to make a payment on my mortgage. Also, I never signed any documents authorizing or providing my expressed or implied consent to charge my account {$19.00} every month. Yet, on XX/XX/XXXX I was charged the first unauthorized {$19.00}. The XX/XX/XXXX charge stated XXXX XXXX XXXX. This charge was authorized by Nationstar. The details of the Transaction Details dated XX/XX/XXXX showed that it was authorized and/or processed by someone named XXXX XXXX and was an ACH withdrawal. On XX/XX/XXXX, I searched online for XXXX XXXX and found his bio for Nationstar at XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX all three websites indicated that XXXX XXXX is a XXXX XXXX XXXX with Nationstar Mortgage XXXX XXXX. On XX/XX/XXXX I contested the XXXX charge during a three-way call with XXXX and/or Nationstar. XXXX and/or Nationstar gave me a Permanent Credit. During the three-way call, I asked the representative of XXXX and/or Nationstar about XXXX XXXX and was told that they didnt know who he was or if he even worked for XXXX and/or Nationstar. The next day I contacted XXXX and/or Nationstar again and during the three-way call I disputed the XXXX charge and was given a Permanent Credit by XXXX and/or Nationstar. On XX/XX/XXXX I was again charged {$19.00}, which was credited to XXXX and XXXX XXXX, this lead to my being charged an additional {$25.00} overdraft fee. I contested this charge also and on XX/XX/XXXX XXXX and/or Nationstar issued me a Permanent Credit refunding me both the unauthorized {$19.00} and the {$25.00} overdraft fee. Then on XX/XX/XXXX I received another unauthorized {$19.00} charge credited to XXXX and XXXX XXXX. Again, I disputed this unauthorized charge and asked XXXX to block all future charges made by XXXX. On XX/XX/XXXX, XXXX issued me a full credit, but on XX/XX/XXXX I was again charged {$19.00} by XXXX and XXXX XXXX. I again dispute the charges. On XX/XX/XXXX XXXX issued me a Provisional Credit and asked that I sign and return a prewritten form affidavit to dispute the charges. The prewritten form provided only five options to choose from on why I believed the charges were unauthorized none of which fit my situation. I could not in good conscience sign or return the affidavit. XX/XX/XXXX I received my XXXX unauthorized {$19.00} charge from XXXX and XXXX XXXX. I had contacted XXXX several times about the status of the account but was unable to get through to anyone and never received a response from XXXX at that time. It is my belief that I am not the only person being subjected to these repeated unauthorized charges. Since the first monthly charge hit, I removed all money from my old checking account and opened a new checking account. XXXX and/or Nationstar refused to permit me to close my old account. I believe that XXXX and/or Nationstar can continue to charge me {$19.00} monthly. Due to this situation, XXXX and/or Nationstar will only allow me to make minimum payments on my mortgage using my new checking account. This restriction stops me from paying off my mortgage early and/or faster because I can not pay into my escrow account. This situation with XXXX and Nationstar is stressful. I am fearful that I will not be able to pay my mortgage without incurring additional monthly fees that will greatly increase my mortgage. I am emotionally distressed, angry, nervous and freaking out.","date_sent_to_company":"2017-06-15T12:53:25.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"64138","tags":"Servicemember","has_narrative":true,"complaint_id":"2543177","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NATIONSTAR MORTGAGE LLC","date_received":"2017-06-06T03:00:59.000Z","state":"MO","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":null},"highlight":{"complaint_what_happened":["Due to this situation, XXXX and/or Nationstar will <em>only</em> <em>allow</em> me to make minimum payments on my mortgage using my new checking account. This restriction stops me from paying off my mortgage early and/or faster because I can not pay into my <em>escrow</em> account. This situation with XXXX and Nationstar is stressful. I am fearful that I will not be able to pay my mortgage without incurring additional monthly fees that will greatly increase my mortgage."]},"sort":[14.639663,"2543177"]},{"_index":"complaint-public-v1","_id":"10813884","_score":12.127337,"_source":{"product":"Mortgage","complaint_what_happened":"I am requesting immediate assistance with resolving a long-standing dispute with Nationstar Mortgage dba Mr. Cooper. Mr. Cooper erroneously issued at least XXXX checks for hazard insurance coverage to XXXX different companies that don't provide coverage for my property AFTER I requested for my escrow account to be closed. Despite receiving confirmation of the closure and providing proof that I pay my hazard insurance and taxes, Mr. Cooper erronously issued these checks and instead of following up with these companies ( XXXX XXXX and XXXX XXXX XXXX XXXX ), the mortgage service provider added these payments to my account and increased my monthly mortgage payments initially by {$1200.00} which was then later reduced to exceeding my monthly mortgage payments by over {$300.00} ( XXXX to current ) after reapplying XXXX of the XXXX erroneous hazard insurance payments back to my account in XXXX, after it was removed, because XXXX placed a stop payment on the check for reasons unknown. I have provided all my receipts showing I've been paying my hazardous insurance and taxes to Mr. Cooper, however, they refuse to acknowledge the error even though they have no proof the funds were ever applied to my account. How could they when it was sent to the wrong company? Below is a list of demands for Mr. Cooper, along with a timeline of events. I was served a complaint by the company for foreclosure in XX/XX/XXXX. My court date is scheduled for XX/XX/XXXX. From XXXX to XX/XX/XXXX, I spoke with numerous Mr. Cooper representatives on this matter. All of them recognized the error and tried their best to ask for the correction, however, they were powerless to remove the erronous charge and late fees from my account. I even sat on the phone with representatives for hours with XXXX XXXX to help them obtain their refund - which was not my job at all since this was an error on their part. This has ruined me financially because the delinquencies reported to the credit bureaus dropped my score by over XXXX points and led to a domino effect of almost all my credit card limits being dropped to my balance so it looks like I maxed out all of my cards. I am unable to obtain a loan because of the delinquencies reported which was needed to cover repairs for my property and day to day expenses for the property. Below is a list of my requests for XXXX XXXX to make me whole again, followed by a timeline of events. I was unable to upload my statements, and I have all correspondence so let me know if you need additional information. \n\nImmediately remove the charge of {$4100.00} added to my mortgage account for XXXX XXXX XXXX XXXX, Washington, XXXX in error when Mr. Cooper issued this unauthorized payment to XXXX XXXX XXXX XXXX. \no As I explained several times via phone and in past complaint letters, my account has been in non-escrow status since XX/XX/XXXX. I have provided proof that I pay my hazard insurance and taxes directly since XX/XX/XXXX without any gaps in coverage. \no Mr. Cooper issued this payment to XXXX on XX/XX/XXXX ( along with another payment sent to XXXX XXXX on XX/XX/XXXX ) by mistake due to internal communication issues. \no Mr. Cooper reported initially receiving a refund check from XXXX XXXX in XX/XX/XXXX. In XXXX, my account was corrected and the charges for the XXXX hazard insurance payments and late fees for XXXX were removed from my account and I made the XXXX payment of {$2000.00}, which only includes principle and interest. \no XXXX XX/XX/XXXX, Mr. Cooper reapplied XXXX of the XXXX charges for the erroneous hazard insurance payments, allegedly because XXXX placed a stop payment on the refund check. Instead of Mr. Cooper following up with XXXX to obtain a new check or have the stop payment removed, Mr. Cooper decided to reapply this erroneous charge back to my account. \no I disputed the additional charge for the erroneous hazard insurance payment and have spoken to several representatives who all agree that I should not be charged for this payment but are powerless to remove the payment. Whenever I attempt to speak to a supervisor, I am placed on hold and the call is dropped. I was successful in speaking to XXXX, however, he was unable to have the charges removed. \no In XX/XX/XXXX and XX/XX/XXXX, I communicated with XXXX XXXX, Customer Relations XXXX who reviewed my complaint once it was elevated. In her assessment, she deemed that I owed this money despite acknowledging the payments were sent to XXXX hazard insurance companies that do not cover my property AFTER my account was placed in non-escrow status. \nIn XX/XX/XXXX, after reacquiring my mortgage from XXXXXXXX XXXX, which Mr. Cooper bought out, Mr. Cooper performed an escrow analysis and determined my escrow payments were not adequate to cover my taxes and hazardous insurance. This was probably due to the inaccurate plans to issue XXXX hazard insurance payments and inaccurate property tax payments ( they used old information and did not verify the amount to be owed ). Mr. Cooper began charging me for the hazardous insurance and tax payments in XX/XX/XXXX. I am also requesting an escrow assessment as I believe I was overcharged a total of {$2500.00} for mortgage payments made in XXXX, XXXX, and XX/XX/XXXX : o I believe I was overcharged a total of {$1200.00} for the XX/XX/XXXX mortgage payment which increased from {$2600.00} to {$3200.00}. \no I was overcharged by {$630.00} for the month of XXXX when the mortgage increased to {$2600.00}. \no I was overcharged by {$630.00} for the month of XXXX when the mortgage increased to {$2600.00}. \nI am requesting Mr. Cooper show good faith by removing of all late fees from my account that were added because of the payments not received during the months the amount owed has been disputed. I was willing and able to make the correct payments and Mr. Cooper refused to accept the payment or make the revisions to my escrow account in a timely manner so your system would allow for payments online. Mr. Cooper also refused to accept any partial payments from XXXX XX/XX/XXXX. When I was offered the option to make a partial payment, I was told the payment would be applied to cover some of the disputed charges. Therefore, I can not pay until these fees are removed because all of my payments must be applied to the principle and interest. \nI am requesting a letter to explain to my potential lender, XXXX XXXX XXXX XXXX, that the mortgage payments were not able to be made due to a clerical error that was no fault of my own and explain that it took several months to correct the error, AND explain that I am in no way responsible for the late payments. \nI am requesting for letters to be sent to all of the credit bureaus to report my payments as made on time once this issue is resolved. I was denied a much needed home equity loan to consolidate debt and make repairs to my rental property. Because Mr. Cooper refused to correct my account so I could pay, I was denied the loan due to this delinquent account. Other creditors have also followed suit in dropping my credit limits and my score has plummeted and placed me in a worse financial position.\n\nIf Mr. Cooper fails to take action to correct these errors, I will have no choice but to take legal action against Mr. Cooper. I hope these matters are able to be resolved immediately to avoid any further financial detriment to me and embarrassment for Mr. Cooper since I doubt any judge would allow you to foreclose on my property due to a clerical error. \nSummary of Events : XXXX I contacted Mr. Cooper to have my escrow account canceled. The representative assured me that since I made the request to close the escrow accounts BEFORE the payments were made on XX/XX/XXXX to both my insurance company, NREIG ( XXXX ), and XXXX XXXX ( {$4000.00} ) in error. The payment made to XXXX XXXX was a complete error. The representatives from XXXX XXXX verified never providing any proof of coverage for my property, XXXX XXXX XXXX XXXX, and the account number provided by Mr. Cooper didnt align with any numbering scheme used for their accounts. The erroneous payment was sent to XXXX in a bundled payment, so Mr. Cooper was unable to place a stop payment on the check. \nXX/XX/XXXX - Despite Mr. Cooper agreeing to close my escrow account and reclassify my account as a non-escrow bearing account in XX/XX/XXXX, not XXXX, but XXXX hazard insurance payments were erroneously sent a week later for my property AFTER my account moved to non escrow status. This occurred because your staff did not communicate to the escrow department to not send the checks. \nXX/XX/XXXX to XX/XX/XXXX - I spoke with representatives to correct the error and assisted with requesting my insurance company to return the checks. \nXX/XX/XXXX, Mr. Cooper received the returned check sent to my actual insurance company, XXXX, and that refund was credited to my escrow account. \nXX/XX/XXXX The Mr. Cooper escrow and insurance team received the refund check for the erroneous payment sent to XXXX XXXX and my account was corrected ( I was never notified just happened to check my account and saw it corrected ). I also filed a complaint with the better business bureau around the same time. \nXX/XX/XXXX a negative escrow balance was applied to my account for XXXX of the XXXX erroneous unauthorized hazard insurance payments Mr. Cooper made in XX/XX/XXXX. When I reached out to Mr. Cooper, a representative explained the company received a refund check from XXXX XXXX. However, once the refund check for the erroneous payment was received XXXX XXXX, a stop payment was placed on the refunded check. Instead of going back to XXXX to obtain the fund, Mr. Cooper reinstated the balance to my account instead, which reinstated a negative escrow balance on my account and raised my mortgage payments by {$500.00} again in XX/XX/XXXX. Its not clear whether XXXX or XXXX is involved Ive been told this story for both. \nXX/XX/XXXX XX/XX/XXXX - Ive spoken to several representatives over the past XXXX months in an attempt to have the issue corrected. The last representative I spoke with on XX/XX/XXXX informed me my issue was being resolved by their XXXX XXXX Department but I have not heard back. All but XXXX representatives who all understand and noted the error but were unempowered to make the simple correction they all know and have noted in my account that needs to be made. There were XXXX representatives who tried to insist that I make the payments anyway despite know the funds were not owed by me, and advised me to wait for a refund. If I would have followed this advise, Id would have paid over {$2000.00} in funds not owed to you by now. \nXX/XX/XXXX - I checked my account online to see if the error was corrected and noticed the system will no longer allow me to make online payments anymore. My account is still being charged for the escrow payment. Mr. Coopers negligence in managing my account correctly has allowed my account to slip into foreclosure in their system. \nXX/XX/XXXX, I resubmitted my complaint to Mr. Cooper via the customer service portal XX/XX/XXXX, I received a letter from Mr. Cooper XXXX XXXX XXXX explaining they consider the matter to be resolved and I owe the total amount of unpaid principle and interest, along with the erroneous charges and late fees applied to my account. The justification for why Mr. Cooper believes I owe for erroneous hazard insurance payment is because Mr. Cooper was verbally informed by XXXX that a refund check was sent directly to me. To date, I have never received a refund check from XXXX or XXXX for the erroneous hazard insurance payments made by Mr. Cooper. My actual hazard insurance company, XXXX, has verified that no refund payments have been made to me and their affiliate company, XXXX, has been asked to reissue the refund directly to Mr. Cooper. \nXX/XX/XXXX I received a letter from Mr. Cooper Customer Relations Specialist explaining they consider the matter to be resolved and I owe the total amount of unpaid principle and interest, along with the erroneous charges and late fees applied to my account, and their intention to no longer communicate with me on this matter.\n\nI have since submitted follow up email responses and additional evidence proving that I never received a refund on XX/XX/XXXX and XX/XX/XXXX but I have not heard back from XXXX XXXX. \nXX/XX/XXXX My credit limit for XXXX of my credit cards was reduced due to Mr. Coopers report to three credit bureaus that I was delinquent on the account and noted the amount owed was disputed and the dispute was closed, which was inaccurate. I have since submitted a dispute to XXXX for the delinquency report, citing the ongoing investigation by XXXX. \nOn XX/XX/XXXX, I spoke with XXXX XXXX representative, XXXX, who informed me my account was now in foreclosure. I explained the situation to XXXX and was recommended to reach out again to the Headquarters to request the removal of the charges. I also spoke with XXXX from the Mr. Cooper Homeowners Insurance Department, who explained the check sent to XXXX XXXX was still pending. Again, Mr. Cooper changed the story about which erroneous check was still pending. XXXX attempted to contact XXXX XXXX while I was on the phone to have the refund check reissued, however, the company was closed for the day. Both representatives, XXXX and XXXX, admitted that I was not responsible for the accidental hazardous insurance payments but they both were powerless to remove the charges and XXXX still insisted that I assist them in obtaining the missing payment because. I insisted the company do their own legwork to obtain the refund because I have tried several times to assist Mr. Cooper to no avail. \nDespite acknowledging that this additional payment that was erroneously made on my behalf to a company that does not cover my property, Mr. Cooper is insisting that I pay for this erroneous payment until they receive their refund from XXXX XXXX and wait for the company to pay me back for the overpayments. The company seems to operate a system that runs on autopilot and can not make any backend changes. Since canceling my escrow account in XX/XX/XXXX, all of my hazard insurance payments have been made on time consistently every single month. My insurance company never alerted Mr. Cooper that my hazard insurance payments, which I make on a monthly basis, were not paid and I paid my taxes for the property in XX/XX/XXXX on time! \nThis issue has caused me a tremendous amount of stress and is threatening to injure me financially. I am seeking therapy to cope with the anxiety and stress as this is affecting my mental health I was denied a much needed home equity loan for significant renovations needed to rent out my rental property and my mortgage company will not approve the loan until this issue is resolved. Furthermore, because Mr. Cooper initially miscalculated the taxes and escrow I would begin paying in XX/XX/XXXX for the XXXX hazard insurance and tax payments anticipated, I believe I am owed a total of {$1900.00} for overpayments made in Since Mr. Cooper received the funds from my actual hazard insurance company, XXXX, Mr. Cooper owes me a refund of {$1200.00} for the overage payment made in XX/XX/XXXX. My account does not reflect this overage because the negative balance from the erroneous payment made to XXXX XXXX is still showing on my account. \nAny assistance you can provide to prevent this company from illegally foreclosing on my property and compel them to accept my payments would be greatly appreciated. \n\nRegards, XXXX XXXX XXXX # XXXX For XXXX XXXX XXXX XXXX, Billing Address : XXXX XXXX XXXX  XXXXXXXX XXXX, XXXX XXXX","date_sent_to_company":"2024-11-25T22:46:00.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"20019","tags":null,"has_narrative":true,"complaint_id":"10813884","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2024-11-15T18:39:08.000Z","state":"DC","company_public_response":null,"sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["In XXXX, my account was corrected and the <em>charges</em> for the XXXX hazard insurance payments and late fees for XXXX were removed from my account and I made the XXXX payment of {$2000.00}, which <em>only</em> includes principle and interest. \no XXXX XX/XX/XXXX, Mr. Cooper reapplied XXXX of the XXXX <em>charges</em> for the erroneous hazard insurance payments, allegedly because XXXX placed a stop payment on the refund check. Instead of Mr."],"sub_issue":["<em>Escrow</em>, taxes, or insurance"]},"sort":[12.127337,"10813884"]},{"_index":"complaint-public-v1","_id":"20696226","_score":12.052252,"_source":{"product":"Mortgage","complaint_what_happened":"I submitted my XX/XX/XXXXmilitary orders to CMG in XX/XX/XXXX5. CMG confirmed receipt and updated my loan under the Servicemembers Civil Relief Act. On XX/XX/XXXX, I submitted a deferment request via secured email. CMGs agent acknowledged receipt on XX/XX/XXXX, and requested additional documentation. I provided my military orders the same day. CMGs own response to Case XXXX, dated XX/XX/XXXX, acknowledged that the additional documentation requested was not required under the guidelines for a California Deferment , and that this caused a delay in processing. CMGs deferment approval was granted XX/XX/XXXX, effective XX/XX/XXXX through XX/XX/XXXX, covering principal and interest payments for that entire period. XXXX confirmed in writing that updates would be provided via secure email due to my inability to receive telephone calls during XXXX. \nVIOLATION XXXX : UNAUTHORIZED ACCOUNT DRAFT DURING APPROVED AND ACTIVE DEFERMENT PERIOD Despite my approved and active deferment, CMG drafted my bank account on XX/XX/XXXX for a full mortgage payment. CMGs own XX/XX/XXXX response to Case XXXX acknowledged this directly, stating : Our system was incorrectly updated to reflect the XX/XX/XXXX resume date which caused a payment to be automatically drafted on XX/XX/XXXX. CMGs XX/XX/XXXX response to Case XXXX confirmed the deferment did not expire until XX/XX/XXXX, meaning the unauthorized draft occurred XX/XX/XXXX days before the deferment period ended. \nThis unauthorized draft has cascading legal significance. XX/XX/XXXX, drafting a payment from a servicemembers account during an approved deferment period without authorization is inconsistent with the protections afforded under the California Military Families Financial Relief Act and XXXX XX/XX/XXXXXXXX, which prohibits adverse financial action against a servicemember during a period of military service without a court order. XX/XX/XXXX, the unauthorized draft occurred after I had already filed multiple CFPB complaints alleging discrimination and retaliation, making the timing consistent with the retaliatory pattern documented throughout this record.XX/XX/XXXX, and most significantly, CMGs response to the unauthorized draft was to apply the payment to the XX/XX/XXXX installment and then, when I elected not to have a duplicate XXXX payment drafted, to place a manual stop on the account. CMG then used that manual stop, which existed solely because of its own system error, as its XX/XX/XXXX shifting justification for blocking my principal-only payment access for additional months after the deferment ended. CMGs own error in XX/XX/XXXX thus generated a chain of restrictions that CMG subsequently XXXX as justification for further denying me account access. \nCMGs XX/XX/XXXX response to Case XXXX acknowledged the broader servicing failure with the following statement : We acknowledge that the borrower continues to express dissatisfaction with servicing their loan. Allow us to apologize for any frustration or inconvenience the borrower may have experienced while attempting to address their concerns. The level of service the borrower has received is not typical of the service we expect. Despite this acknowledgment, CMG did not address whether the unauthorized XXXX draft violated the deferment agreement, XXXX XXXX. XXXX, or the California Military Families Financial Relief Act. \nVIOLATION XXXX : SUSTAINED BLOCKING OF PRINCIPAL-ONLY PAYMENT ACCESS THROUGH XXXX IRRECONCILABLE JUSTIFICATIONS CMG has blocked my ability to make principal-only payments on my VA-guaranteed loan continuously throughout my deployment through a series of contradictory justifications that collectively demonstrate either an absence of a legitimate legal basis or deliberate obstruction. Under XXXXXX/XX/XXXXXXXX, a veteran borrower has the right to prepay a VA-guaranteed loan at any time without penalty. Under XX/XX/XXXXXXXX, servicers must apply payments in accordance with borrower instructions. CMG has violated both provisions repeatedly and has offered XXXX successive irreconcilable explanations for why it could not comply. \nJustification XXXX : Escrow Must Be Satisfied First. CMGs XX/XX/XXXX response to Case XXXX stated : Any payments applied exclusively to principal must be preceded by full satisfaction of the monthly escrow obligation. CMGs XX/XX/XXXX response to Case XXXX repeated this and cited Deed of Trust section XXXX and California Military and Veterans XXXX Section XXXX. However, during my active deferment the only payment I owed was the escrow amount. I was current on escrow. CMGs XX/XX/XXXX combined response to Cases XXXX and XXXX confirmed : Due to the deferment, the borrowers monthly ACH drafting has been suspended. The borrower can give authorization to remove the ACH automatic drafting information on file. The borrower will then be able to process manual online transactions of their choice. Alternatively, the borrower can make their payments over the phone with an agent. The principal payment option will not be available until the current months escrow payment has been satisfied. Despite being current on escrow, portal access to principal-only payments remained blocked. \nJustification XXXX : Systemic Deferment Platform Limitation. CMGs XX/XX/XXXX response to Case XXXX abandoned the escrow-satisfaction rationale and offered a completely different explanation : Our servicing center needs to apply the principal and interest portion required to satisfy the monthly payment throughout the deferment period between the first business day of each month through the end of the grace period. A principal-only payment can not be accepted through the online loan portal before the principal and interest payment is applied by our servicing center. This framed the block as an unavoidable technical limitation of the deferment platform itself, entirely unrelated to my escrow status. \nJustification XXXX : Manual Stop Placed Following Borrower Election. CMGs XX/XX/XXXX response to Case XXXX abandoned both prior explanations and offered yet another : Due to this stop being in effect until the XX/XX/XXXX automatic payment is withdrawn, the system currently restricts the borrower from initiating a principal-only payment online. This limitation is not related to the prior Servicemembers Civil Relief Act ( XXXX ) approval nor is it a retaliation. Instead, it is solely the result of system functionality tied to the manual stop placed to ensure the XXXX payment is not drafted in error. This explanation attributes the block entirely to a manual stop that itself existed only because of CMGs unauthorized XX/XX/XXXX draft. CMG created the condition it used to justify the restriction. This explanation also directly contradicts the XX/XX/XXXX explanation, which attributed the block to an unavoidable deferment platform limitation. Both can not be true simultaneously and CMG offered no reconciliation. \nJustification XXXX : Escrow Shortage Precondition. Across multiple responses XXXX indicated that an outstanding escrow shortage of approximately {$6900.00} was a basis for restricting payment access, requiring full lump-sum prepayment as a precondition to restoring portal functionality. Requiring a borrower to prepay an escrow shortage in full as a condition of accessing principal prepayment rights is not authorized under XXXX XX/XX/XXXXXXXX ( f ) ( XXXX ) ( XX/XX/XXXX), which governs how servicers may require repayment of escrow shortages, and directly conflicts with XXXXXX/XX/XXXX XXXX unconditional protection of the veterans prepayment right. \nThe practical effect of these XXXX shifting justifications is that I have been unable to make principal-only payments on my VA-guaranteed loan for the entire duration of my XXXX, exceeding XXXX months. Each justification was contradicted by the one that followed. The final justification was rooted in a restriction CMG created through its own unauthorized account draft. This is not a pattern of routine servicing complexity. It is a pattern of successive post-hoc rationalizations that collectively demonstrate no single legitimate legal basis ever existed for blocking my prepayment rights. \nVIOLATION XXXX : UNAUTHORIZED INSURANCE SUBSTITUTION DURING PROTECTED PERIOD WITH DELAYED AND COMPLAINT-COMPELLED REMEDIATION In XX/XX/XXXX, while I was under an XX/XX/XXXXmilitary deferment and after I had already raised discrimination and retaliation allegations in multiple prior CFPB complaints, CMG processed and disbursed an unauthorized homeowners insurance substitution from my existing XXXX policy to Great Northwest Insurance Company . CMGs XX/XX/XXXX response to Case XXXX confirmed : We received a mid-term substitution from XX/XX/XXXXInsurance company in XX/XX/XXXX. Research showed that this premium was deducted from the borrowers escrow account in error. The unauthorized disbursement totaled {$2200.00}. This represented approximately a XXXX percent increase over my existing XXXX premium of {$1500.00} disbursed on XX/XX/XXXX. \nCMG did not notify me that this substitution had occurred. I only discovered it after filing a CFPB complaint. CMG acknowledged in its XX/XX/XXXX response to Case XXXX that it provided coaching to our insurance vendor and staff after the fact, confirming the substitution was a vendor-side error processed without my authorization and without adequate controls on CMGs side to prevent unauthorized mid-term policy substitutions on active VA-guaranteed loans during a protected deferment period. \nCMGs failure to notify me of the unauthorized disbursement violates XXXXXX/XX/XXXXXXXX, which requires servicers to notify borrowers of escrow account changes and shortages. It also violates the duty of fair treatment required of VA loan servicers under XXXXXX/XX/XXXXXXXX and XXXXXX/XX/XXXXXXXX. The timing is additionally significant : the substitution occurred during my active protected period, after I had already filed discrimination and retaliation allegations, and CMG took no proactive steps to identify or correct it. I had to file a federal complaint to discover it. \nFollowing discovery, CMG did not proactively credit the interest my escrow account lost on the improperly disbursed funds. I raised this specifically in a subsequent complaint filed approximately XXXX months after the error was identified. CMGs XX/XX/XXXX response to Case XXXX acknowledged : We will accommodate the borrowers request and credit the {$11.00} due to the error that took place with the incorrect insurance disbursement. The {$11.00} interest credit was only provided after aXX/XX/XXXXcomplaint compelled it. CMG had access to the same information I did and chose not to apply the credit until regulatory pressure required it. \nVIOLATION XXXX : DISCRIMINATION AND RETALIATION DENIALS WITHOUT SUBSTANTIVE INVESTIGATION, CULMINATING IN WRITTEN ADMISSION The following is the complete verbatim record of every response CMG provided to my discrimination and retaliation allegations. Read chronologically, this record shows a progression from boilerplate statutory denial to complete omission of any legal framework to, finally, an inadvertent written admission of the discriminatory conduct I had been alleging for XXXX months. \nCase XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX Resolution Analyst : We respectfully disagree with the borrowers statement that they have been discriminated and retaliated against because they have requested protections provided in the California Military Families Financial Relief Act. We have found no evidence to support the borrowers allegations with regard to any discrimination and retaliation due to their veteran status or any other characteristic protected under applicable federal or state law. At this stage CMG at least acknowledged the statutory framework under which my protections arise. \nCase XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX Resolution XXXX, and Case XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX : We respectfully disagree with the borrowers allegations that they have been discriminated against and retaliated against because they have requested protections provided in the California Military Families Financial Relief Act. We have found no evidence to support the borrowers allegations regarding any discrimination and retaliation due to their veteran status or any other characteristic protected under applicable federal or state law. Identical language across both responses. No reviewer identified. No legal standard cited. No evidence described. \nCase XXXX, XX/XX/XXXX, XXXX XXXX, XXXX Resolution Analyst : No response to retaliation or discrimination allegations was provided at all. The only relevant statement in the entire letter was : Our office must respectively decline the request to reimburse the international calling fees incurred. CMG did not acknowledge the allegations existed. \nCase XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX Resolution XX/XX/XXXX : We respectfully disagree with the borrowers allegations that they have been discriminated against and retaliated against. We have found no evidence to support the borrowers allegations regarding any discrimination and retaliation. This is the most legally bare denial in the entire record. It does not reference veteran status, military service, the XXXX, the California Military Families Financial Relief Act, or any statutory or regulatory framework. The earlier denials at least named the statutes they claimed CMG had complied with. This one does not. \nCase XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX Resolution XXXX : Discrimination and retaliation allegations were not addressed at all. The only response to my requests for accommodation as a XXXX servicemember was : We are unable to accommodate the borrowers request for any other compensation or reimbursement. \nCase XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX Resolution Analyst : This limitation is not related to the prior Servicemembers Civil Relief Act ( SCRA ) approval nor is it a retaliation. Instead, it is solely the result of system functionality tied to the manual stop placed to ensure the XXXX payment is not drafted in error. We apologize for the inconvenience this has caused. On international call costs : With regard to the request for reimbursement of international calling fees, we must respectfully advise that we are unable to compensate for international call charges. While we understand the borrower is currently XXXX, call fees incurred when contacting customer service are not eligible for reimbursement under our servicing policies. No legal authority was cited for either position. \nCase XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX Resolution Analyst : Our records confirm that we have remained responsive through all communication channels provided to the borrower. Our records indicate the borrower has utilized our online messaging portal as well as our online chat feature to discuss their loan. CMG cited online communication activity as evidence of adequate responsiveness while simultaneously maintaining restrictions that required me to use costly international telephone calls for substantive account matters its portal could not resolve. \nCase XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX Resolution Analyst : As previously communicated, we will not provide credit to the borrower for these calls and their assertion that we did not follow the SCRA guidelines in reviewing their account. However, our management team has agreed to provide credit based on the review of servicing and errors on the borrowers account. We will credit {$250.00} to the borrowers escrow account. \nThis final statement is the most legally significant document in the entire record. CMG explicitly tied its refusal to provide credit for international call costs to my assertion that CMG did not follow XXXX guidelines. CMG then granted a separate credit based on general servicing errors while simultaneously maintaining the refusal on XX/XX/XXXX grounds. Under XXXX XXXX. XXXX, no person may discriminate against a servicemember in the provision of any right or benefit on the basis of military service. CMGs own written response documents that my invocation ofXX/XX/XXXX protections was the stated reason a specific benefit was withheld. That is not a defense to a discrimination allegation. It is the discrimination. The {$250.00} goodwill credit does not cure this because it was explicitly granted on different grounds and CMG simultaneously maintained its XXXX-based refusal in the same letter. \nAcross all of the above responses, CMG has not once in twenty-three complaint responses named the individual who conducted the discrimination review, identified the legal standard applied, described what records were examined, or explained why my specific factual allegations do not meet the legal threshold for discrimination or retaliation under XXXX XXXX. XXXX, the California Military Families Financial Relief Act, California Military and Veterans XXXX Sections XXXX through XXXX, XXXXXX/XX/XXXXXXXX. Under XX/XX/XXXXXXXX ( XXXX ) ( XXXX ) (XX/XX/XXXX ), when a servicer concludes no error occurred it must provide the specific reasons for that determination following a reasonable investigation. Repeating identical boilerplate across XXXX responses and omitting the allegations entirely in XXXX others does not satisfy this standard. Either CMG investigated and can not articulate what it found, or CMG did not investigate at all. Both conclusions are legally significant. \nCMGs XX/XX/XXXX response to Case XXXX contains CMGs own characterization of its conduct : The level of service the borrower has received is not typical of the service we expect. CMG acknowledged in writing that my treatment was substandard by its own internal standards. It then continued the same conduct across XXXX additional complaints without remediation. \nAPPLICABLE LEGAL AUTHORITY This pattern implicates the following statutes and regulations. Under federal law : XXXX XXXX. XXXX (XX/XX/XXXX anti-discrimination ), XXXX XXXX. XXXX ( servicemembers right to protections during military service ), XXXX XXXX. XXXX ( XX/XX/XXXXenforcement authority for pattern or practice XXXX violations ), XXXX XXXX. XXXX ( protection of mortgage obligations during military service ), XXXX XXXX. XXXX ( XXXX ) ( RESPA prohibition on adverse action during pending qualified written request ), XXXX XXXX. XXXX and XXXX ( CFPB authority over unfair, deceptive, or abusive acts or practices ), XXXXXX/XX/XXXXXXXX ( escrow account notification and management obligations ), XXXX XX/XX/XXXXXXXX ( XXXX ) ( XXXX ) ( XX/XX/XXXX ) ( reasonable investigation requirement for notices of error ), XXXXXX/XX/XXXXXXXX ( veterans unconditional right to prepay XXXXguaranteed loan ), XXXXXX/XX/XXXXXXXX ( servicer obligation to apply payments per borrower instructions ), XXXXXX/XX/XXXXXXXX ( VA servicer obligation of fair treatment ), and XXXXXX/XX/XXXXXXXX ( VA servicer record maintenance obligations ). Under California law : California Military and Veterans XX/XX/XXXX Sections XXXX through XXXX ( California Military Families Financial Relief Act ), California Military and Veterans XXXX Section XXXX ( misdemeanor liability for willful violations ), California Civil XXXX Section XXXX ( incorporation of federal consumer protection standards ), and California Business and Professions XX/XX/XXXX Section XXXX ( unfair business practices ).","date_sent_to_company":"2026-03-26T21:44:09.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"92107","tags":"Servicemember","has_narrative":true,"complaint_id":"20696226","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CMG Financial Services, Inc.","date_received":"2026-03-26T21:28:13.000Z","state":"CA","company_public_response":null,"sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["The principal payment option will not be available until the current months <em>escrow</em> payment has been satisfied. Despite being current on <em>escrow</em>, portal access to principal-<em>only</em> payments remained blocked. \nJustification XXXX : Systemic Deferment Platform Limitation."]},"sort":[12.052252,"20696226"]},{"_index":"complaint-public-v1","_id":"16570340","_score":11.726528,"_source":{"product":"Debt collection","complaint_what_happened":"LoanCare has now lied twice in responses to the CFPB regarding the cause of my balance irregularity. In response XXXX, dated XX/XX/XXXX, they stated the irregularity was due to an escrow shortage. Then again, in response XXXX, dated XX/XX/XXXX, they repeated this same false explanation, citing the original XX/XX/XXXX response as justification. However, in their subsequent QWR response to me directly, LoanCare admitted these charges were not escrow shortages but attorney fees they unilaterally assessed and are now attempting to justify under Paragraph 9 of the Deed of Trust a clause courts have rejected in similar circumstances.\n\nLegal Interpretation of Paragraph 9 Courts across states interpret Paragraph 9 narrowly : it authorizes lender protection ( e.g. foreclosure, bankruptcy defense, lien challenges ). \nBut courts often reject its use where : The borrower was current ( no default ). \nThe proceeding did not jeopardize the lien or collateral. \nFees were unrelated to foreclosure/property protection. \n\nThe {$6800.00} is attempt to fee-shift their legal expenses to my mortgage account, which is unjustifiable, because my civil suit was about an offer the reneged on for a false reason. \nThey said I missed a payment, which was not true so they tried to say later it was for an internal credit reason with no further explanation which was a violation of the following laws : Equal Credit Opportunity Act ( ECOA ) : Requires creditors to give consumers a notice with the principal reasons for a credit denial or adverse action, ensuring explanations are specific and relate to actual factors considered during the application process. \n\nLenders must explain the specific reasons for denial, regardless of whether they use manual or algorithmic credit decision models. There is no exception for complex or black box systemsconsumers must always receive the explanation. \n\nThe notice must be timely and allow consumers the chance to understand and potentially correct any issues behind the decision. \n\nAdditional Disclosure Laws Fair Credit Reporting Act ( FCRA ) : If the denial is based on information in a credit report, the lender must disclose the credit score, the key factors affecting that score, and information about the reporting agency, along with a copy of the credit report upon request.\n\nSupporting Regulations Home Mortgage Disclosure Act ( HMDA ) : Requires reporting and public disclosure of application data ( including denial reasons ) to monitor for discrimination and ensure transparency in lending patterns. \n\nThis is not an attempt to re-litigate that case as it was dismissed by the judge, but the dismissal succinct it did not authorize either party to recoup any cost of litigation. The civil suit and/or the dismissal also does not meet the conditions for Paragraph 9 of the Deed of Trust to be used. Paragraph 9 is specifically grants rights to protect interests where there is default, foreclosure, or impairment reducing the value of the property. None of those conditions existed at the time of of the civil suit nor do they exist now. Please take note that LoanCare contacted me and offered a rate reduction refinance based on good payment history, then denied me ( falsely ) for bad payment history. My civil suit was specifically about the false denial, which never put LoanCare 's interest in the property in any danger. LoanCare can not claim their interest was in danger if they initiated the offer and interaction that led to the civil suit. \n\n1. What Paragraph 9 Requires Paragraph 9 allows the lender/servicer to take steps necessary to protect its interest in the property if : You default, The property is abandoned, or A legal proceeding might significantly affect the lenders interest or rights under the Security Instrument .\n\nEven when it applies, the language is structured so that fees are reactive they can only be incurred after theres a real need to protect the lenders interest ( e.g., foreclosure, bankruptcy, lien enforcement, or litigation that jeopardizes the lien ). \n\n2. LoanCares Action in Your Case They added {$6800.00} in attorney fees to your account before the judge dismissed your civil case. \nIn other words, they charged you as if they had already prevailed and were entitled to recovery without : A court order, A finding of default, or Any actual impairment of their lien. \n\n3. Why This Contradicts Their Paragraph 9 Defense No Default or Threat : Your loan was current, and your lawsuit did not challenge their lien or put their collateral at risk. Courts have consistently said Paragraph 9 does not authorize fees in that context.\n\nTiming Problem : By charging before judicial disposition, they treated Paragraph 9 as if it was a blank check to recoup any litigation costs but the clause only covers protective action, not offensive recovery against a borrower exercising legal rights. \nDue Process Issue : Attorneys fees in Texas typically require ( 1 ) a prevailing party, and ( 2 ) a court order. LoanCare pre-empted both.\n\nPattern of Misrepresentation : They first disguised those fees as escrow shortage in XXXX. Later, when forced, they admitted they were attorney fees but still tied them back to Paragraph XXXX. That shows they knew their justification was weak. \n\n4. The Contradiction in Plain Terms If Paragraph 9 were truly their legal basis, they could only recover attorneys fees after a qualifying event ( default, foreclosure, lien risk, or a court order ).\n\nInstead, LoanCare imposed them before resolution, without default, and without a court order. \n\nThats not protection of the lenders interest its retaliation for litigation and an unauthorized cost shift. \n\n* Additional Note : Within the same year of the dismissal, where I applied for a HELOC LoanCare provided a mortgage verification form where that did not list any impairments to my mortgage loan and essentially said I had never been late, which contradicts their previous reason for denial of their offer to me and they also conveniently excluded the {$6800.00} past due ( the attorney fees they added ) which legally should have been included on the form as a legally required disclosure if it was valid.\n\nAttachment : Paragraph 9 of the Deed of Trust Analysis 3 Letters from LoanCare 1. States mortgage balance is due to escrow shortage 2. Support and uses the same explanation of the first letter.\n\n3. Finally admits they were charging attorney fees and tries to justify it with Paragraph 9","date_sent_to_company":"2025-10-14T16:37:37.000Z","issue":"False statements or representation","sub_product":"Mortgage debt","zip_code":"75063","tags":null,"has_narrative":true,"complaint_id":"16570340","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2025-10-14T15:34:22.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["States mortgage balance is due to <em>escrow</em> shortage 2. Support and uses the same explanation of the first letter.\n\n3. Finally admits they were <em>charging</em> attorney fees and tries to justify it with Paragraph 9"]},"sort":[11.726528,"16570340"]},{"_index":"complaint-public-v1","_id":"3297297","_score":11.048538,"_source":{"product":"Mortgage","complaint_what_happened":"My Complaint against US Bank loan originator XXXX XXXX XXXX or US Bank Home Mortgage : XXXX XXXX packed my mortgage with mortgage escrow services without informing me that the low rates he was quoting were contingent upon the loan having escrow services. He did this despite my informing him that we wanted a conventional mortgage with no added fees or escrow services. He concealed that fact that he intended the loan to have mortgage escrow services until I was fully engaged in a contract to purchase a home. Once I discovered that XXXX XXXX intended my loan to have escrow services, I immediately informed him in writing that I did not want escrow services. A conversation ensued, and I was told by XXXX XXXX that escrow services would be removed from the final loan paperwork. Despite my withholding of the signed mortgage application, XXXX  authorized the ordering of an appraisal for the contract to purchase the home which created further contractual obligations. I asked that the appraisal be postponed, but US Bank did not stop the appraisal. I identified multiple factual errors in this appraisal to XXXX XXXX, and he and US Bank refused to nullify or redo the appraisal. The loan processing was not complete by the first closing date, and it was not complete by the extended closing date, and we were forced to either waive all contingencies to our earnest money or possibly loose the right to purchase the home due to these delays. A third closing date of XX/XX/XXXX was agreed upon by the sellers. XXXX XXXX did not send me the final loan documents for review prior to closing. He sent the documents to the title insurance company one day prior to closing on XX/XX/XXXX. My closing appointment on XX/XX/XXXX was my first opportunity to review the documents, including the new GFE that he had dated XX/XX/XXXX. I observed that XXXX XXXX had setup the new GFE to include escrow services despite our agreement that it would not. At closing, prior to signing the documents, the closing officer and I called and spoke to the loan processor, XXXX XXXX. My wife was also present for this phone call. I informed XXXX that my loan was not supposed to have escrow services attached. She told us that the GFE could not be changed without further delaying the closing date. I asked if we would be able to cancel the escrow account after the loan was processed, and if there would be any fees for cancellation. She informed us that the escrow services could be canceled/waived after the loan was active for 12 months. She stated that there was not fee to waive the escrow services. Her comments were supported by the loan documents, which also did not state that a fee would be required to cancel escrow services. We had no other choice but to precede with the loan which included the GFE that XXXX XXXX had prepared despite this being against our wishes and unnecessary given our down payment and good credit history. I believe XXXX XXXX deliberately caused us to enter into a loan with escrow services for his own benefit, despite these services not being required or requested. We signed closing documents and paid our loan as agreed. In XX/XX/XXXX US Bank refused to allow me to have an escrow waiver without paying a fee of approximately {$1100.00}. My loan closing documents do not state that I am required to pay a fee for the removal of escrow services. I contested US Banks right to charge me this fee, and I remain in a disagreement with US Bank regarding my consumer rights. Here is the timeline of events : XX/XX/XXXXXXXX I began shopping for a mortgage loan. I made preliminary application without authorization to pull my credit with US Bank in order to obtain a per-qualification letter which I received on XX/XX/XXXX. I indicated that I would be placing a 20-30 % down payment and other details. XXXX XXXX sent me a prequalification letter that did not state that the rate he was quoting was contingent upon escrow services. I did not request mortgage escrow service on the account, and no statement was made by XXXX XXXX that mortgage escrow was a condition of the loan. I made an offer was made on a home, I did not pursue the counter offer. \n\nXXXX, XXXX : I sold property and paid-off an existing US Bank mortgage that had no escrow services over the life of the loan. \n\nXXXX, XXXX : I continued to shop mortgage lenders for better rates, and look for a home. \nEarly XXXX, XXXX : I requested a new per-qualification letter from XXXX XXXX specific to an offer I intended to make on a home purchase. XXXX XXXX e-mailed a new per-qualification letter at a new and improved interest rate, and the letter also did not state that the rate he was quoting was contingent upon escrow services. This prequalification letter was used to make an offer on my current home. A counter offer was made, which was accepted by the sellers. Again, no information was provided or implied by XXXX XXXX that the rate or loan was contingent upon escrow services throughout this process. \n\nXX/XX/XXXX: On XX/XX/XXXX XXXX XXXX e-mailed me that I was locked in at a rate of 3.625 % for 30 years. He did not inform me that this rate was contingent upon my acceptance of mortgage escrow services. He required a credit card number in order to secure the lock-in the rate. Around XX/XX/XXXX XXXX XXXX used XXXX or XXXX to send me a formal loan application to sign and I observed that the GFE included with the application indicated that the loan would include escrow services. On XX/XX/XXXX after reviewing the paperwork, I e-mailed XXXX XXXX that I had not previously been made aware that his loan included escrow services, I did not want escrow services, and I believed that I was not required to have escrow services. I subsequently had a phone conversation with XXXX XXXX that I did not want escrow services for my mortgage loan, and that I if I was to proceed with US Bank this would need to be removed from my loan. XXXX XXXX agreed and told me that the final loan paperwork and GFE would not have escrow services. I told him that I would not be returning the GFE with the loan application. Prior to calling XXXX XXXX I checked with other mortgage companies to see if they could process a loan quickly enough to meet the sales contract requirements. The other lenders said that they had competing rates but could not process the loan quickly enough at that point. I did not return the mortgage application at that time, but continued with the property inspection. On XX/XX/XXXX I e-mailed XXXX XXXX and said that the contract may not precede contingent upon the sellers agreement to make specific repairs. \n\nXXXX, XXXX : On XX/XX/XXXX I informed XXXX XXXX that the repairs in question were major. On XX/XX/XXXX XXXX XXXX loan processor e-mailed me that she had not received my signed loan application, but had already sent other documentation to the underwriter. On XX/XX/XXXX I replied to XXXX XXXX and his loan processor that due to inspection related issues there was a strong possibility that the terms of the inspection resolution will not be accepted, which will be the end of the transaction. In the e-mail I state that I had told XXXX XXXX I did not want to proceed with the appraisal until the contract is free of hurdles. On XX/XX/XXXX XXXX XXXX loan processor told me that she canceled the appraisal she had scheduled for XX/XX/XXXX. On XX/XX/XXXX I replied to this e-mail stating that I did not authorize payment to the appraisal company, and that I had forwarded this information to the real estate agent the prior day as she had requested. I had not sent back my signed loan application at that point, and XXXX XXXX did not have my consent to order this appraisal. Despite communicating my wishes to XXXX XXXX to cancel the unauthorized appraisal that he had ordered, the appraiser performed an appraisal on XX/XX/XXXX. Around XX/XX/XXXX the sellers agreed to an acceptable inspection resolution. On XX/XX/XXXX after receiving a copy of the unauthorized appraisal, I e-mailed XXXX XXXX loan processor that the appraisal contained factual errors, and XXXX XXXX called later that day to discuss after reviewing the report. After that conversation I e-mailed a list of the errors on the appraisal and informed XXXX XXXX that my primary concern was the accuracy of the appraisal to justify the high price we were paying for the home. The appraisal listed the home as having several expensive features that the home did not possess. I asked XXXX XXXX to have the home re-appraise and reminded him that the current appraiser proceeded without authorization. XXXX XXXX e-mailed that he had asked the appraisal group to see about getting a revision/correction. Because the unauthorized appraisal was above the price that we had offered for the home, we lost our right to contest the homes value or further counter offer. ON XX/XX/XXXX XXXX XXXX loan processor told me that she was again contacting the appraisal company again, but also needed me to return the signed loan application in order to meet the deadlines for closing. On XX/XX/XXXX I e-mailed her the requested documents, including my signed loan application. I did not return the erroneous GFE but was told I had to sign the truth-in-lending-disclosure that was marked initial back on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX loan processor e-mailed me a response from the appraisal company saying that they will not reconsider another appraisal. I subsequently spoke to XXXX XXXX who stated that nothing more could be done on this matter. Over the next two days I received multiple requests for documentation that I felt I had previously requested. This made me question whether the loan had actually been in the underwriting process as previously stated, or if XXXX XXXX was lying about this and the appraisal process to further entrap me into proceeding. We had to get an extension to the original closing date due to further documentation requests by US Bank. The sellers agreed to the initial extension. \n\nXX/XX/XXXX: loan processing delays caused us to miss our extension closing date. The sellers would not agree to another closing date unless I waived my contingencies. \n\nXX/XX/XXXX : XXXX XXXX forwarded me a Commitment letter by e-mail. This was the only official loan document that I received from US Bank prior to closing on XX/XX/XXXX. The document said nothing about escrow services, so I believed that XXXX XXXX had performed as agreed and removed this unwanted and unnecessary contingency. \n\nXX/XX/XXXX : USB sent the closing company the official closing documents, the documents were not sent to me from US Bank by e-mail or mail. I did not even know the final amount for the proceeds. \n\nXX/XX/XXXX : I presented for closing document signatures as described in my complaint paragraph. As described above, XXXX XXXX loan processor told me that she could not correct the errors in the final GFE without returning to her underwriter for the new documents, and that doing this would cause a further delay in closing. She told me that I would need to keep escrow services for twelve months, and then I would be able to waive escrow services without a fee. \n\nXXXX, XXXX : A US Bank customer service/escrow representative told me that a fee of approximately {$1100.00} would be necessary in order to waive escrow services. I was told that the fee amounted to an interest penalty of 0.25 %. I told them that I had a no-penalty loan and that this fee was not enumerated in any agreement that I was given or signed at closing. I also told them that I had not been pleased with the accounting of the US Bank escrow department and provided a few specific examples. They told me that I could write or e-mail US Bank a complaint to seek a resolution. I called ( no return call ) and then e-mailed XXXX XXXX for his assistance in resolving this matter that he created. He replied that I should contact customer support. I later called and spoke with XXXX XXXX, he said that he processes so many loans and could not recall the specific details of my loan. \n\nXXXX, XXXXPresent : I wrote US bank to cancel my escrow account without a fee and explained how I was lead to believe by XXXX XXXX that escrow services would not be part of my final loan documentation, and that I was further told by XXXX XXXX loan processor after discovering the error at closing, that there would not be any fee associated with closing/waiving the escrow services. This e-mail was received by US Bank, but I did not receive a timely reply, so I contacted customer support. Customer support reviewed my loan history and submitted letter, and determined that I should not have been required to have escrow services, and that escrow services would be waived from my account without a fee. I followed up with US Bank to make sure that this process was proceeding, and it was. I later discovered that the US Bank escrow department overturned this customer service decision and was still demanding I pay a fee. They reported my account as delinquent to the credit bureaus and have caused me significant consumer and personal harm. I have obliged to their process to resolve my compliant, yet XXXX XXXX or US Bank has provided me with no fair resolution options. \n\nI was led into this transaction by XXXX XXXX and his US Bank associates and it was not what I expected. I believe that he used bait-and-switch and loan packing methods in order to obtain a large commission on a loan irrespective of my wishes and requirements. I believe he may have illegally authorized the appraisal on my behalf in order to further lock me into his business transaction. \n\nI have copies of all e-mails and documents that I have reference in this complaint.","date_sent_to_company":"2019-07-05T21:38:05.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"98604","tags":null,"has_narrative":true,"complaint_id":"3297297","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2019-07-05T21:28:25.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I believe XXXX XXXX deliberately caused us to enter into a loan with <em>escrow</em> services for his own benefit, despite these services not being required or requested. We signed closing documents and paid our loan as agreed. In XX/XX/XXXX US Bank refused to <em>allow</em> me to have an <em>escrow</em> waiver without paying a fee of approximately {$1100.00}. My loan closing documents do not state that I am required to pay a fee for the removal of <em>escrow</em> services."]},"sort":[11.048538,"3297297"]},{"_index":"complaint-public-v1","_id":"14244601","_score":10.840281,"_source":{"product":"Mortgage","complaint_what_happened":"* * Summary of Missed Issues in Prior Complaint ( XXXX ) * * * * To CFPB Intake & Enforcement Teams * XXXX * * Subject : * * Follow-up Complaint LoanCare 's Deceptive Practices & CFPB XXXX Gaps -- - I am resubmitting my complaint because * * LoanCare 's XX/XX/XXXX response * * to my original inquiry ( Complaint # XXXX, submitted XX/XX/XXXX ) * * included multiple material misrepresentations * * and omissions that the CFPB failed to detect, allowing potential mortgage servicing fraud to go unaddressed. \n\n-- - * * What CFPB Missed in XXXX XXXX : * * XXXX. * * Fraudulent Justification for a \\ {$6800.00} XXXX XXXX * * * LoanCare falsely referenced a XX/XX/XXXX federal court dismissal of a civil case I filed against them as a basis to assess this corporate advance. \n* That * * court decree did not authorize them to collect any fees * *, and explicitly did * * not award attorneys fees to either party * *. \n* Their use of the decree to justify a charge constitutes a * * misrepresentation to a federal agency ( 18 U.S. Code 1001 ) * *.\n\n2. * * Failure to Disclose the Nature of the Charge * * * LoanCare labeled the charge as escrow-related or included in the balance, concealing the fact that it was actually * * attorneys fees from the 2023 lawsuit * * which they admitted only after a XX/XX/XXXX escalation during my HELOC application process. \n* This violates * * RESPA ( 12 USC 2605 ) * * and * * TILA disclosure obligations * *, by failing to notify or properly itemize charges that impact my mortgage balance. \n\nXXXX. * * Deceptive Accounting Structure * * * The \\ {$6800.00} was * * carried silently * * in my account without appearing as due in my monthly payment, but inflated the balance shown on my mortgage statements. \n* LoanCare agents consistently told me I was current, misleading me into believing there was no issue. \n* This * * delayed detection * * of the issue until a third party ( a XXXX banker during a HELOC application ) flagged it. \n\nXXXX. * * Avoidance of Regulatory Triggers * * * * * Not reported to credit bureaus * * avoiding FCRA enforcement.\n\n* * * Not sent to collections * * avoiding FDCPA scrutiny.\n\n* These acts amount to * * deliberate concealment * * of unauthorized fees in a way that avoids enforcement thresholds and allows the fee to roll into a future refinance or sale, escaping detection. \n\nXXXX. * * Impact on Me * * * I lost access to a HELOC that I had planned to use for a time-sensitive investment opportunity, representing a * * tangible opportunity cost * * caused solely by XXXX concealment and misrepresentation. \n\n-- - * * Why Enforcement Should Have Been Triggered * * * The facts clearly established that * * LoanCare lied to the CFPB * *, misrepresented the nature and basis of a charge, and used deceptive accounting to hide that charge from standard consumer awareness or reporting. \n* These are * * not technical violations * *, but * * intentional obfuscations * * that should have led to : * A formal CFPB * * investigation or enforcement action * * * A referral to * * state regulators or DOJ * * * Clear documentation allowing me to file a * * civil claim * * under RESPA and TILA -- - Current Action * I have already * * submitted a complaint to the XXXX * * regarding CFPB 's mishandling of this issue. \n\n* I am resubmitting this complaint because the * * error in CFPB 's original handling * * not only failed to hold LoanCare accountable but also materially impaired my ability to resolve the harm done to me. \n\n-- - Please confirm that this complaint is being assigned correctly and that the original ( Complaint # XXXX ) is being revisited in full view of the concealed and misrepresented facts outlined above. \n\nI have attached the original complaint, the response from LoanCare, the most recent XXXX XXXX, and my mortgage statement that illustrate that the XXXX is still in the past due section of my statement. Which also illustrates that I hvae been carrying that past due for over a year. If they would have sold my loan or refinanced my loan they would have collected the erroneous illegitmate past due amount.","date_sent_to_company":"2025-06-23T19:00:09.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"75063","tags":null,"has_narrative":true,"complaint_id":"14244601","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2025-06-23T18:24:40.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Fees charged"},"highlight":{"complaint_what_happened":["* Their use of the decree to justify a <em>charge</em> constitutes a * * misrepresentation to a federal agency ( 18 U.S. Code 1001 ) * *.\n\n2. * * Failure to Disclose the Nature of the <em>Charge</em> * * * LoanCare labeled the <em>charge</em> as <em>escrow</em>-related or included in the balance, concealing the fact that it was actually * * attorneys fees from the 2023 lawsuit * * which they admitted <em>only</em> after a XX/XX/XXXX escalation during my HELOC application process."]},"sort":[10.840281,"14244601"]},{"_index":"complaint-public-v1","_id":"13996160","_score":10.44272,"_source":{"product":"Mortgage","complaint_what_happened":"To Whom It May Concern, This formal complaint is submitted regarding the conduct of Freedom Mortgage Corporation and XXXX XXXX XXXX concerning the mismanagement of my mortgage escrow account, mishandling of a property loss draft claim, and improper insurance coverage administration. These failures have caused me extensive financial hardship, emotional distress, and nearly resulted in the loss of my home. \n\nSUMMARY OF COMPLAINT I am filing this complaint to report Freedom Mortgages and XXXX XXXX repeated violations of federal and state law, including RESPA, the Fair Credit Reporting Act ( FCRA ), and the XXXX XXXX XXXX. I am seeking urgent relief and enforcement from the CFPB for the following : Mishandling of insurance disbursements from a major home damage claim beginning in XX/XX/XXXX. \n\nFailure to provide timely inspections and fund releases, leaving me displaced for over a year. \n\nFailure to acknowledge or respond to Qualified Written Requests ( QWRs ) regarding escrow discrepancies. \n\nImproper credit reporting due to internal payment errors by Freedom Mortgage. \n\nMismanagement and non-disclosure of dual insurance policies for over a year. \n\nDETAILED TIMELINE OF EVENTS XX/XX/XXXX : A pipe burst rendered my home uninhabitable. I immediately filed a claim with XXXX XXXX. \n\nXXXX XXXX : I lived in extended stay hotels and incurred over {$26000.00} in unreimbursed Additional Living Expenses ( ALE ) due to Freedom Mortgages delays in loss draft inspections and fund disbursements. \n\nXX/XX/XXXX XX/XX/XXXX : I submitted repeated food reimbursement receipts and doctors letters to XXXX. They failed to respond for months and only issued a partial denial in XX/XX/XXXX. \n\nXX/XX/XXXX : XXXX ceased ALE disbursements, blaming Freedom Mortgage for not conducting inspections or releasing funds. \n\nXX/XX/XXXX XX/XX/XXXX : Despite multiple requests via XXXX portal and direct contact, Freedom Mortgage failed to conduct timely inspections or provide required approvals. \n\nXX/XX/XXXX : I submitted a XXXX  to Freedom Mortgage to dispute escrow errors and request documentation. No acknowledgment or response was provided. \n\nXX/XX/XXXX : I discovered that Freedom Mortgage had been charging me for two insurance policies since XX/XX/XXXX. I had previously provided updated insurance documentation, but they never canceled the old policy. I had to notify them again. \n\nXX/XX/XXXX : Freedom Mortgage issued a refund of {$4500.00} related to duplicate insurance premiums. \n\nXX/XX/XXXX : They failed to process my insurance disbursement on time, lying about mailing the check. The shipping label wasnt even created until XX/XX/XXXX, despite claims that the check was sent on the XXXX. \n\nXX/XX/XXXX : I was told my XX/XX/XXXX mortgage payment had been canceled. I did not authorize this cancellation. I was told it would be escalated. It was not. \n\nXX/XX/XXXX : I received a delinquency notice and saw my payment reported 30 days late to XXXX, risking my real estate refinancing. I spoke with multiple agents who gave conflicting stories and failed to initiate a proper dispute resolution process. \n\nVIOLATIONS OF LAW Freedom Mortgage has violated : 12 U.S.C. 2605 ( e ) ( RESPA ) : Failure to acknowledge and respond to QWRs within 5 and 30 business days respectively.\n\n15 U.S.C. 1681s-2 ( a ) ( FCRA ) : Reporting inaccurate and unauthorized late payments to credit bureaus.\n\nConsumer Financial Protection Act, 12 U.S.C. 5531 ( UDAAP ) : Unfair and deceptive mortgage servicing practices. \n\nXXXX XXXX has violated : XXXX  XXXX & XXXX : Failure to act in good faith and timely process claims. \n\nXXXX  XXXX : Deceptive and misleading practices regarding ALE denial and dual policy mismanagement. \n\nREQUESTED RELIEF I am requesting the following corrective actions : Full reimbursement of {$57000.00} ( detailed summary submitted separately, including ALE, utilities, laundry, mileage, and recoverable depreciation ). \n\nImmediate removal of the XX/XX/XXXX late payment from all credit reports and written correction sent to all major bureaus. \n\nAdjustment of my mortgage account to reflect the corrected escrow balance and refund all overcharges. \n\nWritten acknowledgment from Freedom Mortgage that the dual insurance billing and disbursement delays were their responsibility. \n\nEnforcement of penalties under RESPA and FCRA, with the maximum allowed civil fines due to repeated and willful violations.\n\nCFPB-mandated correction of Freedom Mortgages and XXXX  internal practices to prevent further harm to other consumers. \n\nSUPPORTING DOCUMENTATION Attached to this complaint are : Escrow statements for XXXX and XXXX. \n\nFreedom Mortgages internal ledger. \n\nCopies of communications regarding the XXXX. \n\nALE denial letter from XXXX. \n\nProof of payments, receipts, and correspondence with all parties. \n\nI am available to provide further testimony or documentation upon request.","date_sent_to_company":"2025-06-10T18:44:04.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"48322","tags":"Servicemember","has_narrative":true,"complaint_id":"13996160","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2025-06-10T18:08:05.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["They failed to respond for months and <em>only</em> issued a partial denial in XX/XX/XXXX. \n\nXX/XX/XXXX : XXXX ceased ALE disbursements, blaming Freedom Mortgage for not conducting inspections or releasing funds. \n\nXX/XX/XXXX XX/XX/XXXX : Despite multiple requests via XXXX portal and direct contact, Freedom Mortgage failed to conduct timely inspections or provide required approvals. \n\nXX/XX/XXXX : I submitted a XXXX  to Freedom Mortgage to dispute <em>escrow</em> errors and request documentation."]},"sort":[10.44272,"13996160"]},{"_index":"complaint-public-v1","_id":"2748021","_score":9.489216,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Disputes : $ XXXXLaw Firm {$10000.00} CPA Firm Excerpt from letter to XXXX . \nSCHEDULE OF EVENTS : -My wife and I filed a dissolution of marriage petition on XX/XX/XXXX. Family Law Restraining Orders ( page 2 ) revoke her ability to make charges on my card, even if she is a card holder. The civil lawsuit is already filed. \n-My to be x-wife, knowing she does not have charging privileges, charged her legal fees intentionally on the business card on XX/XX/XXXX. She was not authorized to make non-business charges on that card, ever, and none at all post XX/XX/XXXX. I noticed the charges on XX/XX/XXXX, and immediately called to dispute the charges and ensure her authorized signer card was terminated. I have uploaded every pertinent document countless times. I have also demonstrated via legal disclosure the money was unused in an escrow account, needed to be charged back prior to being spent, and that I would not have the money to settle balances not mine ( especially when my cash assets were concurrently seized ). \n-Since then, I have disputed the {$40000.00} charge 6 times and the {$10000.00} charge 4 times. \n-On every occasion, your customer service representatives, 100 % of the time, have assured me the charges would be reversed. And the credits issued were assured to be final. \n-On every call to you after I noticed a cancelled by customer dispute reversal, I have called and been assure it was cardholder requested. I never requested a cancellation and my wife was no longer authorized ( I was assured this too ). I updated security information nearly each time. Your representatives suggested my wife may be impersonating me and encouraged I file a police report. As a result, a XXXX private investigator is now investing this case. She should be named as assailant in your system. \n-Again, on every occasion, I was assured the credits were permanent. \n-Once confirmed disputes were settled, I closed the card as 1. the business was dissolving and 2. my wife was impersonating me, per your representatives, and the account was compromised. It was only then the account was turned over to the fraud division, for the false impersonation, a criminal violation of penal code 597, under identity theft. \n-Not ONCE did I receive proactive communication from you. Via email, phone call, or through the online interface. I verified the mailing address on multiple occasions. I have never received communication. If it was sent to the billing address, my wife, whom Ive temporality allowed to live at the former family home, would destroy the notices intentionally. This was shared also. -The day prior to the close of the last statement cycle, I was again assured the statement would close with credits finalized. I woke up the next morning and the balance again included the charges. \n-I spoke to XXXX in XXXX, although exceptionally nice, simply stated your fraud policy. I know your fraud policy and I did not refer to this grievance as fraud. Only the false impersonation accusation, again made by your representatives, triggered them to transfer this to fraud. I can not accept that the fraud department solely and unilaterally makes these decisions. Who is in charge go business ethics or customer retention? \n-XXXX , in short, advised I needed to address it in court ( I am concurrently doing this anyway ). There was absolutely ZERO consideration - your representatives had assured me each time, over a dozen or more phone calls, the credits would NOT be reversed. AND it took 3 months for 1 person to tell me otherwise. This is both ridiculous, devastating, and an embarrassment for a company with the scale and reputation American Express has. \n-Your only remedy to your failure has been a credit suspension and threat of reporting to the credit agencies. \nPlease consider I did not file this dispute on XX/XX/XXXX as advised by the phone representative today. Your business processes are exceptionally confusing and non-transparent. The representative could not tell me how it could have been filed otherwise. Again, a demonstration of your inability to communicate, rightly, and timely. I decided to use the opportunity for a last attempt at relief. You must understand with all this, I dont have the means to make a full payment. You have essentially assigned liability to me that is not mine, then used your failure to remedy to further penalize me. \nIt is unjust. It is unfair. And it is very ( un ) American Express. \n\nBelow is a summary of the devastating consequences you have inflicted on me. I will summarize the Schedule of Events thereafter. \n-American Express funded an attorney and forensic CPA ( not mine ) {$50000.00} ( 2 charges ; 1 for {$40000.00} and 1 for {$10000.00} ), to launch an unethical divorce campaign against me, with my own money that I dont have. Aware of the possibility of chargeback, the unscrupulous firm over- lawyered and aggressively spent the funds. It took you over three months to make a decision you said was final. Each and every time until the last, I was assured with 100 % confidence I would not be liable for these charges. The extensive logs on record will verify this. I will explain this in more detail in the below Schedule of Events. \n-The American Express unauthorized charges bankrupted the business, as the assailant ( my to be x-wife ) also seized {$94000.00} in business cash assets. With assets seized, and liabilities charged, the business failed and filed for dissolution status with the state of CA. The business generated my sole income. The business credit card was then cancelled. I cant make money ; my income opportunity was destroyed, partly due to your inability to do the right thing, or at least communicate that you wouldnt in under 3 months. \n-After American Express removed the credits to my account that you issued multiple times and I was assured via your customer service team were final, my profile was suspended due to the high balance. This compromised my ability to now use you for credit for my only remaining business. I used American Express exclusively for this business. I now have business interruptions and you will partly be responsibly for the business damages caused. \n-After funding a {$50000.00} legal campaign against me, contributing to destroying one business, now threatening to do the same to another, participating in my inability to make a living, and the waste of time and energy I have invested in amicable resolving this with you, you have now also unilaterally threatened to to destroy my perfect credit rating. \n\nI have all legal letters, lawsuit petitions, evidence of cash seizures, and so on. The file is too large for upload but available for review in its entirety upon request. \n\nThank you.","date_sent_to_company":"2017-12-06T10:58:10.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"91606","tags":null,"has_narrative":true,"complaint_id":"2748021","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2017-12-06T10:34:14.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Each and every time until the last, I was assured with 100 % confidence I would not be liable for these <em>charges</em>. The extensive logs on record will verify this. I will explain this in more detail in the below Schedule of Events. \n-The American Express <em>unauthorized</em> <em>charges</em> bankrupted the business, as the assailant ( my to be x-wife ) also seized {$94000.00} in business cash assets."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[9.489216,"2748021"]},{"_index":"complaint-public-v1","_id":"13969877","_score":7.2733917,"_source":{"product":"Credit card","complaint_what_happened":"Name of Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Against : USAA XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Preamble : This complaint is brought and filed against USAA XXXX, USAA XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( herein identified as USAA XXXX XXXX  ) This complaint concerns : i ) Insurance Product and Services, ii ) Fraudulent Charges, and iii ) Debt Collection Tactics To be specific, it is about : ( a ) Unauthorized charges imposed by USAA on my USAA Credit Card ending in XXXX and then USAA going forward to deleting this card from my USAA online account, transferring the fraudulent charges on a new credit card ending in XXXX. \n( b ) Malicious and inaccurate credit reports and other personal consumer reports against me to XXXX XXXX XXXX XXXX \n( c ) Abusive debt collection tactics by USAA XXXX XXXX XXXX XXXX led by XXXX XXXX XXXX and XXXX XXXX XXXX and other associates. \n\nHere Are the Steps I Have Taken To Resolve The Issue With USAA 1. I have disputed these charges more than 5 times in writing and over the phone and made uncountable written and phone correspondences and contacts with CEO of USAA, XXXX XXXX, the Bank Fraud Operations Manager ( XXXX XXXX XXXX ), and the Debt Solution Manager ( XXXX XXXX XXXX ), and other associates. These contacts were made through online document sharing, certified mail sent through USPO, and telephone conversations. I have evidence of all my communication with USAA. USAA and its Associates have refused to reveal the origin of this debt and to resolve this issue through amicable means. ( See Tab 1 - USAA Correspondences and Investigation Results ) 2. I have made uncountable amicable requests to USAA and the staff who have investigated this issue, asking them to define the origin of this debt and I tried to help them understand they are collecting debt on a non-existing insurance policy, contract, or property. I posted many responses through document sharing on my USAA online account. They returned verdict in favor of USAA.\n\n3. USAA Returns Verdict In USAAs Favor. USAA has investigated these charges five times and USAA returned verdict in favor of USAA in all circumstances. ( See Tab 1 - USAA Correspondences and Investigation Results ) 4. The XXXXXXXX XXXX says, XXXXXXXX XXXX in cause sua No one can be a judge in their own case. I do not trust USAA to resolve this case with fairness, good faith, respect, and transparency without abusing their banking powers and position while dealing with a powerless customer.\n\n5. Documents Collation to Prove. All documents attached to this complain range from Tab 1 Tab 10. They are all attached to this complaint.\n\nMaam/Sir, I am filing this complaint against USAA and XXXX on the following grounds : 1. USAA has been fraudulent.\n\nUSAA charged homeowners/property insurance fraudulent charges on my credit card without my prior authorization or consent. This put debt of {$2200.00} against me with overdue payment fees and other fees to the tune of {$3000.00} since my attention was brought to this dispute.\n\n2. USAA has been Unfair.\n\n( a ) USAA has allowed these fraudulent charges to spiral from {$32.00} in XX/XX/XXXX to {$3000.00} in XX/XX/XXXX and currently {$3000.00}. \n\n( b ) USAA maliciously reported these fraudulent charges as overdue bills to XXXX XXXX XXXX XXXX while alleging that I refused to repay the charges. These malicious reports are unfair and have caused me grievous harm and emotional distress and destroyed my financial reputation with businesses. I have EXCEPTIONAL PAYMENT HISTORY. This malicious report has hurt me terribly. \n\n( i ) These malicious reports decreased my XXXX score by XXXX points, from an Exceptional XXXX to current XXXX. This fraudulent charge caused my credit card usage to increase significantly first time in 13 years to 33.27 % in XX/XX/XXXX and to 36.62 % in XX/XX/XXXX. This has negatively impacted my credit utilization ratio. ( See Tab 2 - Credit Card Report Statements from XXXX XXXX XXXX XXXX ) ( ii ) The reports damaged my credit worthiness with businesses. I only found out about this negative credit score status and information when I tried to purchase upgrade my current car to a new car while trading the current car I have paid off. I was told I own a huge debt on my credit report that caused negative credit utilization ratio, and I do not qualify to upgrade to a new vehicle.\n\n3. USAA has been Deceptive and non-Transparent.\n\n( a ) USAA has not been consistent in explaining the origin of this fraudulent charge. I have never charged any insurance premium on my credit card, and I have never charged my credit card to the tune of about {$3000.00} in any month. Please verify with my credit card End of Year Summary Statements for XXXX, XXXX, and XXXX. Documents, written and telephone responses and advice from USAA representatives show the most confusing customer service response I have ever received from USAA in decades as a member. USAA is deceptive because this alleged debt was originated by USAA, transferred and imposed from an alleged homeowner and valuable personal property overdue payment of {$32.00} underlying nonexistent property ( home, jewelry ).\n\n( b ) USAA and the representatives I spoke with on phone are also confused about the origin and categorization of the debt and about USAA resolution decisions.\n\n( i ) DOCUMENTS AND MONTHLY STATEMENTS : Monthly statements and other documents confuse the origin of Oklahoma homeowners insurance code 90A or 90C. One of the documents claimed that I set up Insurance billing with the credit card ending XXXX. This was inaccurate. I have never charged my homeowners or valuable property insurance on my card. Please verify with my credit card End of Year Summary Statements for XXXX, XXXX, and XXXX. \n\n( ii ) CONFUSING PHONE RESPONSES BY USAA : Each time I called USAA ( XXXX or XXXX ) every representative gave me a counter response to the one I received earlier. Some agree it is not a debt on me because I did not charge the card. Others told me the debt has been removed. Some others told me the debt is on me because I didnt respond timely. Still others told me I should wait for the decision from the investigation. Then some told me the decision is final and is against me. If you look at the different monthly statements, you can see chaos, confusion, inconsistency. USAA confusing responses about this debt have left a trail of confusing inquiries and responses from me. But I think I finally pieced together. Please, request USAA to provide all recorded conversations with me from XX/XX/XXXX till today. \n\n( b ) USAA deleted the original credit card ending in XXXX and switched it with another card ending in XXXX and transferred the fraudulent charges to new card which till date I have not received. This shocked me to my bones and sent chills down my spine. Till date, I have not understood why USAA removed the original card ending in XXXX under dispute and transferred this fraudulent charge to another credit card on my account. Is this normal banking procedure and practice in the middle of credit card charge dispute? How did I find out? I found out the switch when I tried to use my credit card to purchase grocery items but was denied access. I do not have any other card to use with USAA bank. As a XXXX XXXX XXXX, who has never owned any debt which I failed in meeting my financial obligations, this has caused me untold emotional pain, grief, a\n\nnd terror. I have always met my financial obligations, and I am proud of my spotless and exceptional credit scores. I couldnt but seek for third party mediation through CFPB. MY COMPLAINT : For these reasons, I am filing this complaint against USAA to dispute the fraudulent charges, to redress the malicious and inaccurate credit report information on my record, and for inflicting intentional emotional distress by abusing me through malicious debt collection tactics, written correspondences, and phone calls. USAAs CLAIMS AND ARGUMENT USAA claims I did not provide notice to them about the sale and disposition of the underlying property ( Home and Jewelry ) and that I did not give cancellation notice to USAA and XXXX. MY SUBMISSION I hereby submit that I worked with USAA and\nXXXX  to sell and dispose of the property. I also gave timely and due notice to USAA and XXXX, especially XXXX XXXX who was managing and corresponding with me regarding the underlying mortgage held in an escrow account. I called them after the sale and before the Mortgage Release at the Court and they told me that I was good to go. And I believe USAA, XXXX, and XXXX XXXX have that information. The escrow account held all taxes, insurance, and other fees. USAA asked me to provide evidence about the cancellation notification. But USAA does not have evidence that I did not provide the cancellation notice for XXXX XXXX and XXXX  who were working with me. \nBu\n\nt here is history about the origin of these fraudulent charges. They originate from insurance policy on non-existing home property and non-existing jewelry. HISTORY ABOUT THE ORIGIN OF FRAUDULENT CHARGES XXXX XX/XX/XXXX ( Sale of Property ) : From XXXX to XXXX, I owned a property at the address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. On XXXX XX/XX/XXXX I executed a sale and transferred ownership to XXXX XXXX and XXXX XXXX. ( See Tab 3 - Property Sale Settlement Agreement ). XXXX XXXX XXXX asked me to contact XXXX XXXX and USAA insurance and mortgage to notify them that I was selling the property and that I should request a valuation for the property. USAA, XXXX XXXX, XXXX XXXX XXXX XXXX cooperated with XXXX XXXX in all proceedings to evaluate the outstanding mortgage and sell the property. After the property was sold, I notified XXXX XXXX XXXX XXXX  that I had sold the property and was no longer the owner. I also asked them to cancel the property insurance. The representative who I spoke with told me I was good to go. These conversations were happening while I was transitioning from my XXXX XXXX in XXXX to XXXX  between XXXX and XX/XX/XXXX. I needed to sell the property in XXXX by XXXX XX/XX/XXXX to help me purchase another property in XXXX  which I bought, did closing on the house, and moved into the new home on XXXX XX/XX/XXXX here in XXXX. \n\nXXXX XX/XX/XXXX ( Release from Mortgage ) : On XXXX XX/XX/XXXX, I was released from the mortgage on this property ( XXXX XXXX XXXX, XXXXXXXX XXXX ) and the Release of Mortgage was issued by the XXXX XXXX, XXXX  and was recorded in XXXX XXXX, XXXX. XXXX XXXX, USAA, XXXX, and their successors and Assigns were duly notified. ( See Tab 4 - Release of Mortgage ).\n\nWorthy of Note : The alleged Homeowners Insurance or Valuable Property were in an Escrow Account. All insurances on the property were escrowed in one account to include principal, taxes, homeowners and other alleged insurance. I never paid these premiums with my credit card ending in XXXX. When I was released from the mortgage and escrow that comes with it, USAA, XXXX XXXX XXXX were notified about the release, and they authorized the sale of the property. Why would USAA release me from the escrowed mortgage if I owed any outstanding premium? However, if USAA is collecting any premium on the homeowners insurance or on the valuable personal property insurance, it should be reasonable to collect for the monthly premium of {$32.00} for the month of XXXX or until when they receive cancellation notice as required by Oklahoma statute. It is fraudulent to recharacterize an insurance premium into a credit card debt to collect {$2900.00} by intimidation tactics. \n\nPast Credit Card Statements ( XXXX, XXXX, XXXX Statements ) : Worthy to note is that I have never used my credit card ending in XXXX to pay insurance. My past monthly credit card statements never showed payment of insurance premium with my credit card ending in XXXX. ( See Tab 5 XXXX, XXXX, and XXXX  Monthly Statements ). The following are attached : XXXX. XXXX  Monthly Statement Summary : This did not contain any insurance premium payment. This shows I never used this card to pay any insurance premium for XXXX XXXX XXXX. Also, I never owed USAA past due premiums. \n\nXXXX XXXX Monthly Statement Summary : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX statements in XXXX do not show a monthly premium of {$32.00}. Equally, I had sold and closed the home on XXXX XXXX and USAA me released from all mortgage obligations XXXX XX/XX/XXXX. \n\nXXXX. XX/XX/XXXX to XX/XX/XXXX Homeowners and Valuable Personal Property Insurance Renewal Documents : By XXXX XX/XX/XXXX, the property ( home and auto ) allegedly insured by USAA did not exist under my ownership. \n\n( a ) JEWELRY? My investigation revealed and I found that USAA for years has been charging me {$32.00} on my insurance pay for valuable personal property identified as Jewelry in the insurance document. I am a single man who does not own any jewelry that requires that amount of insurance monthly much more annually. I do not know how jewelry insurance came into my account. I hope USAA will pay me back {$32.00} for each month they have collected jewelry insurance for stark of jewelry I do not have. \n\n( b ) PROPERTY AT XXXX XXXX XXXX XXXX : I moved out XXXX XXXX XXXX, XXXX, XXXX and was XXXXXXXX XXXX XXXXXXXX United States and have never lived in the house since XXXX. That property has been rented since XXXX, and I have never lived in it. Neither did I have any valuable personal property in the house during that period. \n\nUSAA renewed the Homeowners and Valuable Property Insurance for XXXX to XXXX as seen in the attached document. My question is : USAA issued a homeowners insurance package ( XXXX XX/XX/XXXX to XXXX XX/XX/XXXX ) to a holder who has sold a property by XXXX XX/XX/XXXX and was released from the escrowed mortgage on XXXX XX/XX/XXXX. This is where this gets interesting. What bank renews an insurance package for a property that does not exist and for a person that does not own a property? ( See Tab 6 - Homeowner and Valuable Property Policy Package Renewal Documents ) NOTE : As of the time I sold XXXX XXXX XXXX, 12 years have passed since I possessed and owned it. As XXXX XXXX XXXX, I had changed XXXX XXXX from XXXX XXXX XXXX XXXXXXXX XXXX, and got XXXX  in XXXX XXXX XXXX and XXXX  in those 12 years. Again, by the date these insurance packages were issued, I had sold the sold the property ( home ) on XXXX XX/XX/XXXX. Yet USAA was issuing insurance packages for XXXX XXXX XXXX and Valuable Personal Property that did not exist. \n\n( A ) XXXX, XXXX, and XX/XX/XXXX Statements : NOTE WELL. This was the first time a {$32.00} charge for insurance premium appeared on my credit card XXXX. ( See Tab 7 XXXX, XXXX, and XXXX XXXX Monthly Statement for Credit Card ending XXXX ). And XX/XX/XXXX was the first time a {$3000.00} charge for insurance premium appeared on my credit card XXXX. ( See Tab 7 XXXX, XXXX, and XXXX  XXXX  Monthly Statement for Credit Card ending XXXX ) What bank renews an insurance package for a property that does not exist and for a person that does not own or live on the property? \n\nXXXXXXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-06-26T20:20:29.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"36067","tags":"Servicemember","has_narrative":true,"complaint_id":"13969877","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2025-06-09T05:57:55.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["Collection Tactics To be specific, it is about : ( a ) <em>Unauthorized</em> <em>charges</em> imposed by USAA on my USAA Credit Card ending in XXXX and then USAA going forward to deleting this card from my USAA online account, transferring the fraudulent <em>charges</em> on a new credit card ending in XXXX"],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[7.2733917,"13969877"]},{"_index":"complaint-public-v1","_id":"3279781","_score":7.2163944,"_source":{"product":"Mortgage","complaint_what_happened":"CFPB Complaint Details : Weve had our primary mortgage on our property through Citizens Financial Group Inc./Franklin American Mortgage Company since XX/XX/XXXX. Our monthly payment includes principle and interest only, as we pay property taxes ( quarterly ) and homeowners insurance separately and have maintained an excellent payment history always paying in full and on time. \n\nOur property suffered significant damage from hurricane Irma in XX/XX/XXXX. We immediately filed a claim with XXXX XXXX to repair the damage, however after months of repeated inaction and misrepresentation by XXXX XXXX we acquired legal representation to assist with our claim. \n\nAfter denying the vast majority of our claim we filed a lawsuit against XXXX XXXX, whose representatives have been evasive, unhelpful and blatantly lied about the status of our coverage and for the past several months ( since late XX/XX/XXXX ) XXXX XXXX and their attorneys have become unresponsive to both our existing claim, as well as repeated requests for information and status of current coverage, so much so that our attorneys were forced to file to compel them to respond. \n\nDealing with countless temporary and permanent repairs and mitigation required to prevent further damage has caused an incredible financial and emotional burden on our family, which brings me to my complaint concerning the Predatory and unfair lending practices that Citizens Financial Group Inc./Franklin American Mortgage Company suddenly and unexpectedly began engaging in by placing an exorbitantly priced and hazard insurance on our property, which could cause the financial issues for our family to go from difficult to catastrophic. \n\nDespite the financial burdens stemming from the claim issues weve had with XXXX XXXX ( our Home Insurance company ), we continued to made our normal mortgage payment of {$1900.00} on time every month with no issues, so we were shocked when we suddenly received notice in the 2nd week of XXXXl ( not sure of the exact day ) in the form of a letter detailing an escrow summary which revealed that Citizens Financial Group Inc./Franklin American Mortgage Company had placed an unauthorized forced insurance costing over {$9000.00} per 12 months, on our property, causing an escrow shortage on our loan and informing us that our next monthly mortgage payment, due XX/XX/XXXX ( less than 3 weeks ) would increase from {$1900.00} to {$3800.00}! \n\nWe had no prior notification to this communication. No letters. No calls. Nothing. \n\nAttempts to Resolve : Since all communication with XXXX XXXX had been going through the attorneys handling our claim, I immediately contacted our attorneys to request they check on the status of our home insurance policy and spent a couple days unsuccessfully attempting to contact customer service for Citizens Financial Group Inc./Franklin American Mortgage Company via phone, only to be put on long holds and eventually be hung up simply trying to find out what was going on. \n\nAfter getting the expected lack of response from XXXX XXXX, I wasted no time and began the difficult process of trying to secure a new home insurance policy while still dealing with an open claim. \n\nDespite having to take off 2 days of work I was somehow able to find home insurance coverage through XXXX XXXX ( no relation to Citizens Financial Group Inc./Franklin American Mortgage /Citizens Bank ) and since the phone customer service was so unprofessional and difficult to reach and even more unhelpful in trying to resolve any issues, I submitted multiple e-mails ( including details and documentation ) from XX/XX/XXXX-XX/XX/XXXX, requesting Citizens Financial Group   Inc./Franklin American Mortgage Company to have the hazard insurance and all associated billing/charges/payments removed from our policy, as we were never properly notified of these charges in addition to being unable to pay for any increase to our mortgage payment. \n\nCitizens Financial Group Inc./Franklin American Mortgage Company took days to respond and only then did so in e-mail, compounding the frustration and making achieving resolution even more difficult. \n\nThe first response from XXXX XXXX, asked to wait for 5-7 days for a response, which came 3 days later on XX/XX/XXXX ( the day before our mortgage payment was due! ) stating they would only update our account once our new home insurance policy went live. Over the next couple weeks our family suffered the inconvenience and expense of rushing to schedule and pay for 2 new 4 point inspections ( inspection 1 : XX/XX/XXXX, inspection 2 : XX/XX/XXXX ) to secure our new home insurance and the finalized policy documents were e-mailed to Citizens Financial Group Inc./Franklin American Mortgage Company on XX/XX/XXXX. \n\nApproximately 2 weeks later we received notification from Citizens Financial Group Inc./Franklin American Mortgage Company via mail that the hazard policy would finally be removed, however our shortage was barely reduced and instead of our mortgage payment reverting back to the original amount, it remained nearly {$4000.00}! \n\nAfter our family did all we could, while experiencing little to no help from Citizens Financial Group Inc./Franklin American Mortgage Company , to resolve the issues related to the exorbitant hazard insurance including the unexpected and outrageously unfair and untenable increase to our monthly payment, I repeatedly called Citizens Financial Group Inc./Franklin American Mortgage Company   customer service until I was finally able to get to supervisor XXXX XXXX on XX/XX/XXXX . \n\nI explained the extended financial burdens and communication difficulties our family had been dealing with since XX/XX/XXXX, regarding our open hurricane Irma claim with XXXX XXXX and the extreme jeopardy to our familys good credit and home ownership the forced place hazard insurance from Citizens Financial Group Inc./Franklin American Mortgage Company put on our family and as well as the illegal  or unfair lending practices being engaged in by adding this coverage without sending the legally required notifications and notices. \n\nTiming of the Required Notices The servicer must send the first notice at least 45 days before purchasing a force-placed insurance policy. \nThe servicer must then send a second noticea reminder noticeno earlier than 30 days after the first notice and at least 15 days before charging the borrower for force-placed insurance coverage. This notice must include the cost of the force-placed insurance or a reasonable estimate of the cost. ( 12 C.F.R. 1024.37 ).\n\nSupervisor XXXX XXXX, stated that 2 notices were sent out earlier, but she was curiously unable to immediately provide the dates or notices sent and said that I would receive copies of the previously sent notices within 24 hours. XXXX XXXX also assured me that shed have all charges removed completely and promised shed protect any damage to our credit by preventing any late or delinquent payments from being reported while we were working through resolving these issues, since it may take several days to receive some of the information and documentation needed from their insurance department. \n\nWhen XXXX XXXX, called back 24 hours later, as promised on XX/XX/XXXX, she still wasnt able to provide the supposed prior notices, but told me they would be mailed to me in the next couple days. She then reiterated that she was working on resolving our issues and after providing her phone and direct extension ( XXXX ext. XXXX ) to reach her directly with questions or concerns, she assured me that she would follow up with me in the next couple days with a resolution and not to worry. \n\nI never received any further contact or follow up from XXXX XXXX, or any other representative from Citizens Financial Group Inc./Franklin American Mortgage  Company and after trying to reach Supervisor XXXX XXXX via her extension 5 or more times, I was unable to reach her directly and every request to be connected to her and to resolve our issues directly with Citizens Financial Group Inc./Franklin American Mortgage Company have failed , which is why we are now filing a complaint with the CFPB, as well as taking the following additional steps ; 1. Registering complaints with the XXXX XXXX XXXX. \n2. Notifying the State Regulatory Board. \n3. Notifying the Attorney General to Investigate Violations 4. Report Problems to HUD. ... \n5. Filing a Complaint with the Federal Reserve. \n6. Reporting possible Fraud/unfair or predatory lending practices to the FBI. \n\nIn addition, as a XXXX XXXX and XXXX XXXX XXXX in gaining top and effective ranking on XXXX and other search engines, Ill be XXXX XXXX XXXX XXXX with updated XXXX XXXX to ensure star ratings and reviews are reflected in XXXX, where I plan on publishing the details and updates of our families experience with Citizens Financial Group Inc./Franklin American Mortgage Company and allowing other customers to express their own stories and experiences with Citizens Financial Group Inc./Franklin American Mortgage Company and publish ratings and reviews of their services that will be found on the 1st pages of the top bank, mortgage and loan related local searches across the country. \n\nI also plan on sending continuous communications detailing current and future issues and updates via e-mail and letter to the following list of Senior Leadership and Board of Directors of Citizens Financial Group Inc./Franklin American Mortgage Company ; Citizens Bank Leadership XXXX XXXX XXXX Chairman and Chief Executive Officer XXXX XXXX XXXX Vice Chairman and Chief Financial Officer XXXX XXXX XXXX Head of Business Services XXXX XXXX XXXX Vice Chairman, Consumer Banking XXXX XXXX President , Consumer Deposits and Lending XXXX XXXX XXXX General Counsel and Chief Legal Officer XXXX XXXX Chief Risk Officer XXXX XXXX Chief Marketing Officer and Head of Virtual Channels XXXX XXXX Chief Human Resources Officer XXXX XXXX XXXX Vice Chairman and Head of Commercial Banking XXXX XXXX Chief Information OfficerXXXX XXXX Head of Corporate Finance and Capital Markets Citizens Bank Board of Directors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . ( \" XXXX '' ) XXXX XXXX XXXX. ( \" XXXX '' ) XXXX XXXX XXXX. ( \" XXXX '' ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Lead Director ) XXXX XXXX XXXX XXXX XXXX As I have repeatedly stated via e-mails and phone conversations over the past 2 months with representatives from Citizens Financial Group Inc./Franklin American Mortgage Company , our family has continued to faithfully pay our original monthly mortgage payment of {$1900.00}, in-full and on time, with the last payment processing on XX/XX/XXXX. \n\n\nDesired & Fair Resolution : Resolving our issues is simple and shouldve been done weeks ago. \n\nSince we never received the legally required notifications and notices before Citizens Financial Group Inc./Franklin American Mortgage Company forcibly placed hazard insurance on our policy, the fair resolution our family requires is for any and all past and future charges/billing associated with the hazard insurance policy be removed immediately and our escrow shortage be corrected. \n\nIn addition, as good customers with a good payment history, who are still struggling to work through the open claim and lawsuit with our former insurance company ( XXXX XXXX  ) and may be for many more months, if any form of insurance needs to be placed on our mortgage policy by Citizens Financial Group Inc./Franklin American Mortgage Company in the future, Id expect our mortgage company to treat our family with the decency and respect we deserve, by practicing fair and legal lending laws and procedures, as well as simple and decent customer service, by reaching out to us to modify our mortgage policy to an acceptable payment amount that we are able to afford without incurring more debt than we already have from repairs to recover from a disaster and required mitigation 's to protect our property from future damage.","date_sent_to_company":"2019-06-20T18:56:49.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"32812","tags":null,"has_narrative":true,"complaint_id":"3279781","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2019-06-19T13:33:19.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["/Franklin American Mortgage Company forcibly placed hazard insurance on our policy, the fair resolution our family requires is for any and all past and future <em>charges</em>/billing associated with the hazard insurance policy be removed immediately and our <em>escrow</em> shortage be corrected."]},"sort":[7.2163944,"3279781"]},{"_index":"complaint-public-v1","_id":"5272914","_score":7.038145,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I, would like to state that Bank of America is in violation of the named codes in this letter such as, 15 USC 1602 ( p ) which states that ( P ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Pursuant to 15 USC 1601- ( I ) The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Given this definition, this would deem that my license is a credit card, and my social security card is in fact a credit card. My social security card is in fact a credit card and was used in a consumer transaction between I, XXXX XXXX XXXX and Bank of America. I, the original CREDITOR and natural PERSON ( 15 USC 1602 ( e ) the term person means a natural person or an organization ) never gave Bank of America any written consent to close my credit card and sell my debt to a third-party debt collector named XXXX XXXX XXXX XXXX XXXX XXXX In 15 USC 1692 definitions section the term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. As seen above the term debt collector means ANY person who attempts to collect a debt. They fall under the FDPCA. The Bank that is falsely giving themselves the title original creditor status, Bank of America, is the one who has falsely and illegally extended me the credit that is coming from myself and not Bank of America which they are attempting to collect a debt that has already been forgiven. In this instance with Bank of America. A third-party debt collector is normally used to collect on delinquent debts. So, any person had a credit card charge off, or a medical bill, the original creditor usually sells the debts to a third-party debt collector, or they assign it to them. If a debt is sold to a third party I the consumer the original creditor, have the right to know. The third-party debt collector would be XXXX XXXX XXXX XXXX XXXX And if the debt was assigned to a third party, I the consumer and the original creditor, have a right to know what their commission is if they are successful in the collection of such debt. Fraud vitiates the most solemn Contracts, documents and even judgments [ XXXX XXXX XXXX, 98 US 61, at pg.65 ] 15 USC 1602 ( f ) The term credit means THE RIGHT GRANTED by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. In order for a creditor to extend credit they must first be granted the right to be a creditor by an original creditor.15 USC 1602 ( g ) The term creditor refers only to a PERSON who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. If a finance charge was involved in extending my credit to and obtaining a credit card from Bank of America, I would like to get material disclosure in writing for my records. 15 USC 1605 a ) Finance charge defined : Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type of payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.\n\n( 2 ) Service or carrying charge.\n\n( 3 ) Loan fee, finders fee, or similar charge.\n\n( 4 ) Fee for an investigation or credit report.\n\n( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.\n\n( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.15 USC 1611 Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter, or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. Your criminally liable for willfully and knowingly not disclosing this to me in the alleged contract between me and Bank of America. I am Invoking 15 USC 1640 Civil Liability ( a ) Individual or class action for damages ; amount of award ; factors determining amount of award Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under section 1635 of this title, subsection ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of the failure.\n\n( 2 ) ( A ) ( I ) in the case of an individual action twice the amount of any finance charge in connection with the transaction, ( ii ) in the case of an individual action relating to a consumer lease under part E of this subchapter, 25 per centum of the total amount of monthly payments under the lease, except that the liability under this subparagraph shall not be less than {$200.00} nor greater than {$2000.00}, ( iii ) in the case of an individual action relating to an open end consumer credit plan that is not secured by real property or a dwelling, twice the amount of any finance charge in connection with the transaction, with a minimum of {$500.00} and a maximum of {$5000.00}, or such higher amount as may be appropriate in the case of an established pattern or practice of such failures ; [ 1 ] or ( iv ) in the case of an individual action relating to a credit transaction not under an open end credit plan that is secured by real property or a dwelling, not less than {$400.00} or greater than {$4000.00} ; or ( B ) in the case of a class action, such amount as the court may allow, except that as to each member of the class no minimum recovery shall be applicable, and the total recovery under this subparagraph in any class action or series of class actions arising out of the same failure to comply by the same creditor shall not be more than the lesser of {>= $1,000,000} or 1 per centum of the net worth of the creditor.\n\n( 3 ) in the case of any successful action to enforce the foregoing liability or in any action in which a person is determined to have a right of rescission under section 1635 or 1638 ( e ) ( 7 ) of this title, the costs of the action, together with a reasonable attorneys fee as determined by the court; and ( 4 ) in the case of a failure to comply with any requirement under section 1639 of this title, paragraph ( 1 ) or ( 2 ) of section 1639b ( c ) of this title, or section 1639c ( a ) of this title, an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material. \nIn determining the amount of award in any class action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditors failure of compliance was intentional. In connection with the disclosures referred to in subsections ( a ) and ( b ) of section 1637 of this title, a creditor shall have a liability determined under paragraph ( 2 ) only for failing to comply with the requirements of section 1635 of this title, 1637 ( a ) [ 2 ] of this title, or any of paragraphs ( 4 ) through ( 13 ) of section 1637 ( b ) of this title, or for failing to comply with disclosure requirements under State law for any term or item that the Bureau has determined to be substantially the same in meaning under section 1610 ( a ) ( 2 ) of this title as any of the terms or items referred to in section 1637 ( a ) of this title, or any of paragraphs ( 4 ) through ( 13 ) of section 1637 ( b ) of this title. In connection with the disclosures referred to in subsection ( c ) or ( d ) of section 1637 of this title, a card issuer shall have a liability under this section only to a cardholder who pays a fee described in section 1637 ( c ) ( 1 ) ( A ) ( ii ) ( I ) or section 1637 ( c ) ( 4 ) ( A ) ( i ) of this title or who uses the credit card or charge card. In connection with the disclosures referred to in section 1638 of this title, a creditor shall have a liability determined under paragraph ( 2 ) only for failing to comply with the requirements of section 1635 of this title, of paragraph ( 2 ) ( insofar as it requires a disclosure of the amount financed ), ( 3 ), ( 4 ), ( 5 ), ( 6 ), or ( 9 ) of section 1638 ( a ) of this title, or section 1638 ( b ) ( 2 ) ( C ) ( ii ) of this title, of subparagraphs ( A ), ( B ), ( D ), ( F ), or ( J ) of section 1638 ( e ) ( 2 ) of this title ( for purposes of paragraph ( 2 ) or ( 4 ) of section 1638 ( e ) of this title ), or paragraph ( 4 ) ( C ), ( 6 ), ( 7 ), or ( 8 ) of section 1638 ( e ) of this title, or for failing to comply with disclosure requirements under State law for any term which the Bureau has determined to be substantially the same in meaning under section 1610 ( a ) ( 2 ) of this title as any of the terms referred to in any of those paragraphs of section 1638 ( a ) of this title or section 1638 ( b ) ( 2 ) ( C ) ( ii ) of this title. With respect to any failure to make disclosures required under this part or part D or E of this subchapter, liability shall be imposed only upon the creditor required to make disclosure, except as provided in section 1641 of this title.\n\n( b ) Correction of errors A creditor or assignee has no liability under this section or section 1607 of this title or section 1611 of this title for any failure to comply with any requirement imposed under this part or part E, if within sixty days after discovering an error, whether pursuant to a final written examination report or notice issued under section 1607 ( e ) ( 1 ) of this title or through the creditors or assignees own procedures, and prior to the institution of an action under this section or the receipt of written notice of the error from the obligor, the creditor or assignee notifies the person concerned of the error and makes whatever adjustments in the appropriate account are necessary to assure that the person will not be required to pay an amount in excess of the charge actually disclosed, or the dollar equivalent of the annual percentage rate actually disclosed, whichever is lower. \n\n( c ) Unintentional violations ; bona fide errors A creditor or assignee may not be held liable in any action brought under this section or section 1635 of this title for a violation of this subchapter if the creditor or assignee shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. Examples of a bona fide error include, but are not limited to, clerical, calculation, computer malfunction and programing, and printing errors, except that an error of legal judgment with respect to a persons obligations under this subchapter is not a bona fide error. \n\n( d ) Liability in transaction or lease involving multiple obligors When there are multiple obligors in a consumer credit transaction or consumer lease, there shall be no more than one recovery of damages under subsection ( a ) ( 2 ) for a violation of this subchapter.","date_sent_to_company":"2022-03-01T18:14:06.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"48224","tags":null,"has_narrative":true,"complaint_id":"5272914","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-03-01T17:30:15.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["The finance <em>charge</em> does not include <em>charges</em> of a type of payable in a comparable cash transaction. The finance <em>charge</em> shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and <em>escrow</em> and title companies ) if the creditor does not require the imposition of the <em>charges</em> or the services provided and does not retain the <em>charges</em>."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[7.038145,"5272914"]},{"_index":"complaint-public-v1","_id":"3761261","_score":7.034293,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, alterations and erasures void this form. i also see XXXX  ( Rev. 5/89 ) ODOMETER DISCLOSURE STATEMENT ; XXXX odometer reading for vechile that has altered the multiplecations of several diffrent types of multiple alterecations with the busyers driver license and XXXX XXXX is the used car auto store that these people that drove and used these used cars after they were recipents for XXXX dated documents now it was addressing with the use of damage disclosure statment that applies to numbers 1and 4 vehicles five years old ad newer and state law requires every seller to disclose if the knows reasonably should know if the civil liability damge disclosure definitions and NON usa vehicle, reconstructed vehicle, salvage motr vehicle salbage rebuilt vehicle options, junk vechile and gogued us for profit after it was fraudlent a bussiness that now is shutdown and closed and another company put in his place as soon they are figured out.address was as follows and not sure if i have ownership though money laundered out and transfer and invested into real bissuness used to gain our protperty and signetures to contuine to alternations and remittances that are not known about or authorized by us as well and ive never heard of a county dhs case worker frauding the system though employment temporay employment within the county that is held resoponsible for the incorrections of development and yet i cant seem to fix anything for anyone that was victimized. Name used to fraud my family inheritance and also XXXX XXXX retirement accounts, for the XXXX XXXX, driver license number that was used for documentation that my husband thought that XXXX and yet the signatures for faxed and copied to begin used to scheme to be proposed to make it look legitament although the records dont propose the same circumstances that i thought were suppose to be handled and delt with. abartration agreement was filed against my will and then the legal rights may be affecting the multiple contracts. now that on top of 3000 breeches for XXXX XXXX cable company with XXXX XXXX and also biz account possible and we did authorize on bottom half of document states some claim number or court number not sure which, XXXX XXXX XXXX zipcode resoponsebile for XXXX, mn state which my goodtheir also was adr efiles made in the state of flordia state and ohio  state in XXXX county and yet no one has really helped been though fbi and also XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX zipcode for another adr filing with out proper procedures or acknowledgement till after proceedings would have arlready been settlement issued out which coviently ties to all the madoff precidings as well who happen to be the main investor independent one that was contracting for XXXX XXXX but not before workin out in iowa  state, XXXX county where we had him using another alias and yet another type of employment worked for a connected bizness under liquidating contracts and federal ones and insurace policy pay out that were not authorized or sent though to multiple elderly ones that have been harrassed, death threats for escalating though local with residental state we obtain living arrangements in and its just horrible that we have escalated everything to a federal level at XX/XX/XXXX the first time for the XXXX stolen flat out from unauthorized transactions that look exactly alike from four diffrent other victims bank accounts that has droweded them in fraud and idenitity theift and now some are dead that were apart of the notirary part and also the many loop holes taken in order to be undected including bribes and fraudlent and underlining written escrow sent insurance helo accounts that would expalin alot of the thoughts of unknown irs proceedings which we have proof apon presenting the police and local and statewide we found out that they didnt allow much wiggle room or cooperation or benifits for us to receive something other than the problems with mutliple bank accounts acedima another form of restution for these XXXX who went to that extreme several times within the last 10years of  stalking my family and impersonating our family ideintiys either though collected updated information by the email accounts that were overridden by the incompatance of several reasons and i couldnt beleive that their was XXXX dollars that had been wire transfers and also achs and elctrical checks that were allowed to transpire beyond multiple of claims also filed with unquthorized fraudlent debit card charge backs which we have alerted mulitple XXXX XXXX XXXX XXXX, AZ XXXX XXXX another deceptive document rehearsed and XXXX covered informants and swade informants as the fbi director from pureto rico, XXXX XXXX that has actually informed me of a great many things that he has not measured correctly or acted apon and yet he states he never recevied not a one thing to be delt with. i filed clams repeatedly multiple times since XX/XX/XXXX right after the vacation and only one ive every had taken and yet someone was comprimising emails though XXXX XXXX XXXX XXXX we found out that this little agency XXXX XXXXXXXX in iowa  state that XXXX  XXXX name was used as a alais or a long realative that wclaimed property owned by the bank after it was not followed up by the family that had ties to the property because we werent notified yet the local seller of auto, fire, bussiness, property i turned in several difffrent complaint though you guys 10 to 15 claims over and over followed up with no phone contact by which i have not been to even live nor my young XXXX XXXX children that have had been receiving benifits held locally by help from inside filing medical personally that ive identitfied as a source on the inside.","date_sent_to_company":"2020-07-23T18:47:42.000Z","issue":"Problem with customer service","sub_product":"Refund anticipation check","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"3761261","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-07-23T17:56:09.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["been wire transfers and also achs and elctrical checks that were <em>allowed</em> to transpire beyond multiple of claims also filed with unquthorized fraudlent debit card <em>charge</em> backs which we have alerted mulitple XXXX XXXX XXXX XXXX, AZ XXXX XXXX another deceptive document rehearsed and XXXX covered informants and swade informants as the fbi director from pureto rico, XXXX XXXX that has actually informed me of a great many things that he has not measured correctly or acted apon and yet he states he never"]},"sort":[7.034293,"3761261"]},{"_index":"complaint-public-v1","_id":"3551810","_score":6.936318,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint is Against : Bayview Loan Servicing , LLC. aka BLS XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXXXX, Florida XXXX XXXX Assigned Bayview Representative : Mr. XXXX XXXX. \n\n\nDear CFB Advocate, Timing is critical please-Urgent Action Needed : Due to underemployment and unemployment over the years, I needed to file for bankruptcy 5 years ago. I had a loan with XXXX for over 10 years and held no escrow. \nI do not know where else to turn and believe what is being done is predatory, poor business ethics and illegal. \n\nI have all paperwork, letters, dates of calls, etc and an email chain below which all went unanswered however some were acknowledged by phone with no solution with sketchy interest. The assigned representative treats me like a typical bill collector and can not be trusted to assist as proven by the evidence. I can no longer return his calls as it's very stressful and upsetting using sketchy verbal conversation with no resolve coupled with some mixed condescension and sarcasm. However the email chain below are the dates and facts confirming our conversations and my concerns and I will attach documentation needed to resolve this. \n\nThank you!!! \nXXXX from Illinois Here are the facts : -- -Bankruptcy was awarded and included the mortgage owed to XXXX. I continued to pay the mortgage loan to XXXX and paid out of pocket, the property taxes and insurance on time. \n\n-- -Mortgage Loan was sold to Bayview by XXXX as I missed one month ( XX/XX/XXXX ) of payments during the course of 10+ years after my unemployment ran out. XXXX sold my loan while processing a loan modification with them and was without an answer. \n\n-- XXXX XXXX Bayview Loan Servicing LLC. , a debt collector, took ownership of the mortgage. \n\n-- -Conflicting letter ( s ) received and inclusive of : Demand for Payment, ability to seize a bank account and a Bankruptcy Clause all in one! \n\n-- -Certified Letter of 'Notice of Default and Intent to Accelerate ' as I was then missing 3 mortgage payments to include the XX/XX/XXXX payment. This I understood, I did owe the money. I was able to get caught up with my payments to Bayview since XX/XX/XXXX. \n\n-- -Additional fees assessed since they took over my mortgage. \n\n-- -Escrow placed on the mortgage without my knowledge -- -Received the verbal 'recorded line ' statement by my assigned representative that I didn't pay my property taxes or insurance in XXXX according to their records. \nNot true, they were on time and in full! \n\n-- -Obtained proof of payment of the XXXX property taxes and insurance the very next day after I was told of this. Emailed the documentation of 'on time ' payments to the County of Taxation and to XXXX XXXX XXXX. Never late ever. \n\n-- -Amount due is based upon new charges, a demanded payment plan for an amount of arrearage not owed of which the inaccurate information after proof provided was not corrected by Bayview Loan Servicing , LLC . \n\n-- -Letters to eliminate forced escrow without my knowledge, received by me but not done. Still being billed as if in arrearage on this pseudo payment plan that I never agreed to. \n\n-- -Bayview will not email me back to answer my inquiries as indicated below. Calls are via a recorded line by Bayview. \n\n-- -Letters to eliminate forced escrow without my knowledge, received by me but not done. Still being billed as if in arrearage on this pseudo payment plan that I never agreed to. \n\n-- -Assigned representative does nothing to assist and has been condescending and sarcastic with no proven focus to fix this problem by defending Bayview in it's entirety or telling me there is nothing he can do, per se. \n\n-- -Mortgage money paid is now held in suspense due to this error 'creating ' an arrearage. \n\n-- -Strange fees appeared on the invoices example : 'Corporate Advance Balance ' fee -- -More than one month after escrow elimination, they contacted my insurance company, put their name on the paperwork and paid the renewal for the year XXXX, without my knowledge. I found this out when I couldn't find my online account with XXXX  that was set up by me for the past couple of years. \n\n-- -Being proactive and not wanting to wait for Bayview to resolve this ... I tried but have been unsuccessful in getting the insurance money back to Bayview. The payment was sent in XX/XX/XXXX, almost 2 months after they were to suspend the forced escrow and correct the records. \n\n-- -Today is XX/XX/XXXX. Within the past 5 business days, I received 4 letters. 1 via certified mail.\n\n- Two of these letters are demanding payment with 'Notice of Default and Intent to Accelerate ' stating that it is a formal demand to pay BEFORE XX/XX/XXXX or they will take steps to terminate my ownership in the property by a foreclosure proceeding or other action to seize the property while placing further costs on me to pay for the lawyer/court fees, etc. involved in doing so. \n\nPlease be mindful, if their records were corrected as promised, I would be current in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and presently today ; XX/XX/XXXX. \n\nBelow is the email documentation, before and after, each Bayview recorded phone call and the financial concerns pleading with them to correct their records and relaying the proof they needed to do so.\n\nI eliminated personal information about myself, my loan and the Bayview representative as indicated in your instructions.\n\nThank you. \nXXXX These emails begin with the latest on XXXX XXXX and end with the first in the email tree. \nNo responses were returned by email. \n\n-- -- -- -- -- -- -- -- -- -- -- -E-MAIL DOCUMENTATION BELOW -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX Sent : XX/XX/XXXX XXXX XXXX  To :XXXX Cc :XXXX ; XXXX Subject : XXXX_Bayview Loan # XXXX XXXX payment scheduled Importance : High Dear XXXX, This email is to let you know I paid the XX/XX/XXXX mortgage amount via phone today, XXXX XXXX. \nAs of this payment, I am fully caught up and current with my mortgage loan. \n\nAlso, the XXXX payment was not applied correctly however I received a letter stating a corrected invoice will be sent however I had not yet received it. \n\nHope you had a nice XXXX  and Happy XXXX XXXX! \n\nXXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX Sent : XX/XX/XXXX XXXX XXXX  To :XXXX Cc :XXXX ; XXXX Subject : XXXX_Loan # Good Morning XXXX! \n\nI received your voice messages on Monday and Tuesday asking for me to call you back and will return them when I am able. \n\nYou have my permission to leave a message on my answering machine for me to receive it when I am home. \nPlease leave a detailed message with question or comment, so I can answer you via email, in the meantime. \n\nI received the payment plan paperwork you overnighted however the figures are incorrect and still needs to be revised. When we spoke about it last week, you told me the system would not let you do so however there must be a way for it to be corrected. I can not sign an inaccurate document of this nature. Also, I have read and am mindful of the Bayview legal and binding terms written. \n\nReceived a statement in the mail last night and I noticed the actual payment due is incorrect as well. \nI fully paid the mortgage amount that was due from XXXX XX/XX/XXXX, plus Bayview applied fees and the money was not applied correctly. \n\nAs my assigned Bayview representative XXXXXXXX, can you please make sure this is corrected with your accounting department? \nWe both know it is very important to have the Bayview records corrected right away. \n\nI plan to make all mortgage payments on time and in full each month, as is accurate. \n\nXXXX, thank you in advance and I look toward working with you to reaffirm and refi as soon as is possible in XXXX! \n\nRespectfully, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX To XXXX   Cc :XXXX, XXXX Subject : Trying to make an online payment ... XXXX Importance : High Dear XXXX, Are you getting my emails? I have not gotten any responses. \n\nI am trying to make a payment via your website however the site will not allow me to. \nIt keeps saying to call you specifically. \n\nIf Im unable to reach you by XXXX, XXXX I will have to authorize a bank check but I wanted to get the payment to you right away as promised. \n\nPlease advise as soon as you can and provide answers to the questions below via email. \n\nThanks, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX Sent : XX/XX/XXXX XXXX XXXX To :@XXXX Cc :@XXXX Subject : Promised Payment Info ... XXXX Sorry  XXXX, Meant to tell you in the e-mail below sent earlier today I set up a new Bayview dedicated bank account from which you will receive my monthly mortgage payments however the money you should have gotten on Friday had not yet transferred to the new account set up earlier last week. I apologize for not allowing the transfer timing to be built into the date I gave below. \n\nWith a bank transfer, I thought the funds would be available immediately however after not seeing it deposited though debited, it apparently takes the bank up to 3 business days to post. \n\nWith this in mind, I will pay the promised amount promptly as the funds become available ; either today or tomorrow eod. \n\nWill keep you posted when paid since I noticed the Bayview payment center is in XXXX, TX instead of XXXX XXXX, Florida ; where you are located. \n\nThanks and Take care XXXX! \n\nXXXX Loan # -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX Sent : XX/XX/XXXX XXXX XXXX  To XXXX@XXXX Cc :@XXXX Subject : FW : REVISION : XXXX_Loan # Hello XXXX, I received your phone message last week and received the letter from Bayview that the escrow account, recently placed on my mortgage by Bayview, would not be cancelled as I had requested.\n\n( The escrow account placed on my mortgage, was unknown and unauthorized by me and I remain opposed to it. ) What was not noted on the letter, was the reason Bayview rejected my request for escrow cancellation, would you please obtain the exact reason why it was opened and the reason why my request to cancel was rejected?\n\nCan you also send me the exact reason ( s ) why my hardship request for a loan modification in the form of an extended loan term, lower interest rate or forbearance was rejected? \n( Note : Modification paperwork was filed prior to the loan transfer from XXXX to Bayview ) Am I still required to cc :@XXXX when no documents are being submitted? \n\nThanks XXXX, I look forward to your written response. \nHave a pleasant day! \n\nRespectfully, XXXX Loan # -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX  Sent : XX/XX/XXXX XXXX XXXX   To :XXXX Cc :XXXX Subject : REVISION : XXXX_Loan # RE : Bayview Loan # Property Owner : XXXX Property Address : Dear XXXX, Hope you had a great XXXX! \n\nIm writing to let you know about a slight revision, highlighted in yellow below, regarding upcoming payments to Bayview. \n\nA bank check for {$2600.00} will arrive at the Bayview payment-processing center by XX/XX/XXXX. \nThis will cover the XXXX, XXXX, XXXX and XXXX XXXX-mortgage balance in full. \n\nThe XX/XX/XXXX mortgage payment will follow as a separate payment. \n\nIm glad you called me to confirm receiving the proof of on time and up to date payments covering my XXXX home insurance and property taxes. \n\nThanks XXXX! \n\nXXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX Sent : XX/XX/XXXX XXXX XXXX  To :XXXX Cc  :XXXX ; XXXX Subject : XXXX_Loan # RE : Bayview Loan #  Property Owner : XXXX Property Address : Illinois Good Afternoon XXXX, I had not yet received a response concerning the original email below, sent last Friday afternoon ; proving I had paid property taxes and insurance premiums for the XX/XX/XXXX year. \nTried reaching out to you today and was unable to book a phone appointment for this week and my option was only to leave you a voice message. As I indicated, Im prepared to issue a check for the XXXX arrearage amount, in its entirety. \n\nMy figures are indeed correct as follows. \n\nXXXX, XXXX, XXXX, XX/XX/XXXX at {$670.00} per month for a grand total of = {$2600.00} XX/XX/XXXX will be paid at the regular mortgage amount of {$670.00} since escrow does not take effect until XX/XX/XXXX {$2600.00} ( XX/XX/XXXX-XX/XX/XXXX ) + XXXX ( XX/XX/XXXX ) {$3300.00} total due to get mortgage account current With this correct recalculation of what is owed, Bayview will receive a payment of {$3300.00} before XX/XX/XXXX. \n\nMoving forward into XX/XX/XXXX, Bayview without my knowledge, opened an escrow account on my mortgage to begin in XX/XX/XXXX. \nWith that determination, my future XXXX payments would now be in the sum of {$1000.00} ( XXXX + XXXX property tax + XXXX insurance ) On Friday XXXX XXXX, XXXX, you verbally indicated that your e-mails are scripted so you can not respond. \nSince you can not respond via email, can another mortgage loan representative or supervisor partner with you, who has that capability? \n\nThere has to be a better communication avenue for efficient handling of accounts that is confirmed in writing vs. a phone call or costly snail mail. \n\nThank you and Best Regards XXXX! \n\nXXXX Bayview Loan # -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : XXXX Sent : XX/XX/XXXX XXXX XXXX  To :@XXXX Cc :XXXX ; XXXX Subject : XXXX XXXX_Loan # RE : Bayview Loan #  Property Owner : XXXX Property Address : Illinois Dear XXXX & the Loss Mitigation Team, As promised today, Im providing you with attached proof of property taxes fully paid on time concerning the property location listed above. \n\nXXXX, thank you for reaching out to me today regarding the loan amount arrearage ; and what my options can be and are, at present. \nTo confirm our telephone conversation this morning, I want to recap I writing on what my understanding is from what we discussed. \n\nHARDSHIP : The hardship as I mentioned has been the exhaustion of my unemployment benefits in mid-XX/XX/XXXX and current unemployment status. \nMORTGAGE/TAX/INSURANCE STATUS : My mortgage payment on this property including non-escrowed insurance and property taxes has never ever been paid late in more than 20 years. \n\nXXXX, you stated that you were not aware that my property taxes and property insurance were in fact, paid on time and both are current as of the date of this email and that you required proof which was provided today. \nWith this in mind the stated monthly loan amount, per our phone call today, has to be inaccurate ; needing to be revisited. \n\nSince there had been no arrearage of property tax and insurance, the amount you gave me by phone this morning of {$1500.00} per month beginning XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments moving forward of {$1100.00}, inaccurate and needing recalculation so I can pay Bayview the proper amount moving forward. \n\nOnce the recalculation is complete please o Reevaluate the monthly payment amount for an easier payment plan that I can manage. \no Generate a new billing statement in writing and send it to me by mail as soon as humanly possible. \no In the interim, feel free to email me a copy of the statement with enough time to pay XXXX bill, on time. \no XXXX both e-mailed and faxed you and the Loss Mitigation department, proof of insurance for the property, proving payments were made on time and is currently active, as promised. \n\nUntil today : I had no written or spoken knowledge of Bayviews intention and subsequent action to change my non-escrow status to an escrow account. \nUntil today : I had no written or spoken knowledge of my Loan Modification Application being denied by Bayview. \nUntil today : I had no knowledge of being put on a Waterfall repayment plan or exactly what it entails. \no Thank you XXXX for approving the Waterfall repayment option but I need an easier payment plan. \no I understand why the Loan Modification was not approved however once I have gainful employment, I will reapply. \no As we discussed, I plan to keep ownership of the property. \no I asked about a Forbearance and you educated me about that option by telling me I would need proof of having a job and the income to pay the balance after the reduction of payments. \nI thought that the payments due are put on hold, accumulates over a 3-6 month period at which time, the entire accumulated balance is due. \n\nI am greatly concerned that the mortgage amount is more than our household income. You said other people find a way. That may be so XXXX  ; however it can not be the case for all. \nMy concern of using non-fluid food stamp allowance is not what I can use for a payment other than food as I stated this morning. \no Would you please reconsider the amount due each month? \no What happens when the food stamp money is reduced or food stamp payment ends? \n\nContact me to confirm the above, answer my questions and let me know when I can receive a new repayment arrangement. \nThank you for the work you put as my representative. I appreciate your assistance and look forward to working with you moving forward. \n\nRespectfully, XXXX Regarding Loan # Illinois","date_sent_to_company":"2020-03-03T07:40:15.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"60014","tags":null,"has_narrative":true,"complaint_id":"3551810","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)","date_received":"2020-03-03T02:22:50.000Z","state":"IL","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["( The <em>escrow</em> account placed on my mortgage, was unknown and <em>unauthorized</em> by me and I remain opposed to it. ) What was not noted on the letter, was the reason Bayview rejected my request for <em>escrow</em> cancellation, would you please obtain the exact reason why it was opened and the reason why my request to cancel was rejected?"]},"sort":[6.936318,"3551810"]},{"_index":"complaint-public-v1","_id":"4209258","_score":6.9243636,"_source":{"product":"Checking or savings account","complaint_what_happened":"From : \" Ms XXXX '' XXXX To : \" XXXX '' XXXX Sent : Fri, XX/XX/2021 at XXXXXXXX XXXX Subject : NFCU stimulus check scam & Complaint to CFPB/FTC.gov Navy Federal Credit Union here in XXXX XXXX XXXX Nevada has taken my stimulus payment of {$600.00} until XX/XX/2021, it was directly deposited as a credited to my account, but they actually held back my Stimulus Check of {$600.00} that prevented me from clearing my overdraft account ( the bank says was {$580.00} ) without my permission!!! Which has created a burden on my household! I am dependent on my checking account, I would not abuse the privilege and convenience of the bank product. It was supposed to be direct deposited in my XXXX account not here in the first place! I never gave them the authority to add {$580.00} of their money into my account when in fact the {$600.00} stimulus check that came in XX/XX/2021 took care of the overdraft protection of my account and I would have had a credit left of {$12.00}!!! for some reason the president of the bank or whoever is in charge of the financial kindlings of my account was mismanaged and they're overcharging me when they should not have taken my {$600.00} and replaced it with their {$580.00} to trick me to think that they were helping me I never gave them permission to give me {$580.00} to clear my account ever!!! this was their own doing when in fact I already had a credit to my account for {$600.00} for the stem from the stimulus check that came to meet and zero out the balance of my overdraft!!! so now they're saying that I not only owe them {$580.00}, but they've also mismanaged and replaced or redistributed my {$600.00}, so now they have my account overdrawn by {$1.00}, XXXX!!! I called him when it first happened and told them I did not give you guys permission to put {$580.00} into my account to my account, my Stimulas was already supposed to hit the account, and then they take and hold back my {$600.00} stimulus check so I could not pay that balance down and have a {$12.00} credit!!! Now as of today XX/XX/XXXX the 2021, they have not only added the {$580.00}, but other bank charges that created a domino effect on my account. What happened to my credit to put he {$600.00} into my account to bring the balance down back to where it should have been? ... I go into my account online as I usually do, and now when I look at the statements they have placed \" dashes '' for the balance of each transaction! What!?!? A lot of the balances on the right hand side don't show anything, so it doesn't show how much I have in the account originally versus how much is the running balance on my account they have mismanaged my account and now they want me to pay not only their {$580.00} back but they also have taken my {$600.00} so it looks like I owe over {$1100.00}!! I never gave them permission for me to \" opt-in '' to this burden to put {$580.00} in my account, when I got an alert from the federal government saying that it was already deposited into my account of {$600.00} they had no right to go and give me {$580.00} when in fact I already had the money sent from the federal government ACH Automatic Clearing House wire sent to my account that's supposed to be credited the same day that the federal government released and distributed the funds!!! that is totally unlawful to do that to my account, when Im aware how ACH automatic clearing House is a wires work. I worked in the mortgage industry from 30 years and when we send wire transfers to find a loan, as long as it sent before the closing date of that bank it shows up that day so they had no right to his my {$600.00} make it seem like that I was in debt for over {$580.00} and then some ... altogether it looks like that account is almost {$1200.00} over drawn due to their antics!!! I will show you with screenshots from the online banking what my balance was and how they held the {$600.00} so would not be credited to my account so they can later charge me for both debts!!! I had call customer service to tell them where is my {$600.00} because of federal government already gave me those application it was deposited in my account and I told her I did not authorize you guys to do that I did not tell you to put {$580.00} in my account when in fact I already had {$600.00} sitting there but they would not credit the account so they can go and charge me for the {$600.00} that I lost I don't know where they put that and the XXXX that they unauthorised put in my account so it looks like I owe a lot of money and I don't because that {$600.00} would have taken care of the {$580.00} due to an overdraft protection on my account!!! they have mismanaged and unlawfully went into my account and and held funds so they can go and make money off of my account. I don't appreciate their actions!! I've been in the mortgage banking in industry for over 30 years, and when we use ACH wire transfer to a banking account it goes and gets credited the same day it's an ACH Automatic Clearing House wire, it should have hit my account days before they gave supposedly gave me {$580.00} which they did not need to do, there and in addition I never gave them permission to put that money in there when I saw the federal government had already sent the wire over to credit my account but they intentionally held back that deposits and made it seem like they were doing me a favor by putting a {$580.00} in there for my overdraft when in fact my own federal stimulus check would have covered that {$580.00} so now they're trying to collect {$600.00} that disappeared out of my account, in addition to the {$580.00}. I used to be an underwriter and the senior processor for loans that does not work!!! And I know how to do math pretty darn well for over 30 years working in the mortgage industry and escrow company with large dollar transactions & insurance companies where we had to get exactly the exact amount in the accounts with a wire to find loans!!! They need to put back that {$600.00} back into that account to reduce that over draft, and credit it back to account as it was available on XX/XX/2021. If they want the {$580.00} over draft back that's fine I'll pay that but I'm not going to pay them my {$600.00} plus their {$580.00}, and all those Bank fees when I did not authorize them to do it in the first place. They totally mis-managed my account and took advantage of the fact that I use the overdraft protection so now it looks like I double dipped in it when that's not true at all!!! They strategically held back my {$600.00} stimulus check to avoid for me to have access to pay down and pay off the {$580.00} overdraft protection that was on my account. Then they lied and said they gave it to me {$580.00} as a favor when in fact I didn't need their favor, neither did I give them authorization to do any kind of act whatsoever they are lying and cheating and stealing from people 's accounts whoever does not file a complaint with the Consumer Finance Protection Bureau, aren't aware of their rights to conduct a full accounting forensic financial investigation on this credit union!!! If any other banks are also doing this to people, they should be fully investigated as well!!! I will show you my online statements vs. my PDF ... they conveniently XXXX out on my balances on my statements, and will not show the running balances on my statements since I was supposed to get that stimulus check of {$600.00} in XX/XX/2021. And at one point actually did not show the deposits. I took screenshots of it but they still went ahead and did an unauthorized {$580.00} credit to my account on the stimulus check, and took my in hid my {$600.00} somewhere so it looks like I did two withdrawals of over {$500.00} so now it's over {$1100.00} and some change that is further from the truth!!! My remedy to this is that I want the {$600.00} back into my account the balance and fees adjusted, which should have been only five hundred and eighty something dollars and some change, as it was before the running balance and then I will pay that off like I normally do it my rest of my direct deposits and then that will be it but I'm not going to pay them over {$1100.00} when I only use the overdraft protection once, not twice they won't even allow you to do use the over draft for twice the amount! And I have been made regular deposits into that account since then, so the running balance is not the approximate {$1100.00}!!! They strategically and underhandedly did that on purpose so when the other stimulus checks that is due and hits our account and comes in that's due for nearly {$1200.00}. They're trying to get the whole amount of that as well, so I'm going to call the IRS Treasury and tell them not to make that deposit in that account!!! I want to know what happened to my {$600.00} stimulus check from XX/XX/2021, in addition why wasn't accredited in time so I could clear my account and I would have a {$12.00} credit and why are they trying to charge double dip and charge me for overdraft protection for twice the amount?!?!?! In addition I make at few deposits from other accounts into this checking and savings throughout each month ...","date_sent_to_company":"2021-03-13T09:04:37.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"89119","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4209258","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2021-03-13T02:55:50.000Z","state":"NV","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["My remedy to this is that I want the {$600.00} back into my account the balance and fees adjusted, which should have been <em>only</em> five hundred and eighty something dollars and some change, as it was before the running balance and then I will pay that off like I normally do it my rest of my direct deposits and then that will be it but I'm not going to pay them over {$1100.00} when I <em>only</em> use the overdraft protection once, not twice they won't even <em>allow</em> you to do use the over draft for twice the amount"]},"sort":[6.9243636,"4209258"]},{"_index":"complaint-public-v1","_id":"8015508","_score":6.5636764,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX, Chief Executive Officer of HSBC Finance Corporations has violated the XXXX DOJ Adjudicated Deferred Prosecution Agreement in XXXX. HSBC Holdings, Plc has continued to commit criminal actions of fraud and cooperated with other third-party lenders, such as XXXX XXXX XXXX to defraud homeowners of the new pre-negotiated or reduction in price of their borrowers loans in XXXX. The Deferred Adjudication Agreement Sale or Merger of HSBC Parties was violated. HSBC was not in compliance. Therefore, new lenders, investors and buyers did not comply with the adjudicated agreement.\n\nExhibit 99.1. Item 20, Page 21 - Sale or Merger of HSBC Parties The HSBC Parties agree that in the event they sell, merge, or transfer all or substantially all of their business operations as they exist as of the date of this Agreement, whether such sale is structured as a sale, asset sale, merger, or transfer, it shall include in any contract for sale, merger, or transfer a provision binding the purchaser, or any successor in interest thereto, to the obligations described in this Agreement. \n\nPer page 120, SEC 10-K Report, XX/XX/XXXX, HSBC Finance Corporations Real Estate Secured Receivables addressed the disbursements of these assets. Aggregate cash consideration received during XXXX for this real estate secured receivables totaled {$3100.00} million. The Report states that HSBC continued to work with borrowers : As we continued to work with borrowers, we may also agree to a short sale whereby the property is sold by the borrower at a price which has been pre-negotiated with us and the borrower is released from further obligations. HSBC sold those short sale and discounted priced loans to third party lenders/investors instead of the borrowers. The Report also states that, year-ending XX/XX/XXXX that non-credit card receivables were sold to XXXX, XXXX in XX/XX/XXXX. It also reported that the mortgage service division contracts were sold ending XX/XX/XXXX. Included is an email for PHH which states they never owned my HELOC. ( Note : that XXXX XXXX XXXXs ( XXXX XXXX XXXX XXXX recorded investment transactions with the SEC in XX/XX/XXXX and XX/XX/XXXX. ) XXXX has breached the agreement by withholding the opportunity for borrowers to remedy their outstanding loans with a short sale and/or pre-negotiated reduced price. HSBC refused to disclose documents per RESPA Rule which allows the borrower to receive a copy of the contract and/or trust agreement naming the new owner of the loan with their property listed. HSBC continued to withhold legal requirements in the FDCPA Rules which require that accuracy of the debt is verified by the borrower. HSBC has ignored the invocation of my homestead protection instrument to protect my home from sale or seizure which was mingled in the criminal money laundering of HSBC Bank USA.\n\nHSBC Compliance Department sent me an email of my account general ledger which said the total due on my property was {$55000.00}. In XX/XX/XXXX, you changed your service to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is owned by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX said my outstanding balance was {$140.00}, XXXX in XXXX. In XXXX, I was sued stating I owed {$190000.00} which included an illegal XXXX interest only escrow and other unsubstantiated charges. XXXX also owns XXXX XXXX Funds, and all its subsidiaries, LLCs. XXXX XXXX Funds and XXXX XXXX XXXX XXXX XXXX are managerial partners/owners of XXXX Master Participation Trust and the SEC registered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Caliber, sent the attached letter Demand for Payment and Notice of Intent to Accelerate on XX/XX/XXXX, and then filed a transfer of XXXX on XX/XX/XXXX, to XXXX MPT. My loan should have been included in the XXXX XXXX XXXX. XXXX XXXX, Calibers Debt Law Firm, Attorney ( XXXX XXXX ) sent a letter on XX/XX/XXXX, stating their file was closed due to a payoff of the loan. \n\nHSBC violated the agreement by selling tens of thousands of loans, that were protected from sale and seizure to recoup millions from the {$1.00} billion fine. HSBC intentionally allowed Caliber Home Loans to file fraudulent Security Instruments with the Property Clerk knowing that XXXX Master Participation Trust is not a legally registered entity in the State of Texas. HSBC allowed XXXX to continue its bad and deceptive business practices by accepting unauthorized signers as attorney in fact, knowing that XXXX XXXX did not sign a power of attorney giving XXXX that right. A copy of the power of attorney for XXXX is on file with the SEC. Therefore, your transfer of XXXX in XX/XX/XXXX is not a legal document. \n\nHSBC fraudulently withheld the contract and price of the sale of my property. The XXXX and XXXX XXXX scheduled a fake closing in which there was no funding on XX/XX/XXXX. I was refused a copy of all the closing documents including the check which paid off the loan. Caliber will not send a copy of the check, see attached letter saying the documentation will not be provided. This is a violation of FDCPA. I have a right to make sure my debt was paid off and what the amount was. The check XXXX received was dated XX/XX/XXXX. XX/XX/XXXX is the date the Investor who defrauded me of the sale of my home at closing, sold it to another Investor. The check is withheld because XXXX and the Investor negotiated a short sale while I still owned the property. \n\nThe Judicial climate in Texas is heavily influenced by XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX, XXXX transferred my loan to XXXX XXXX XXXX XXXXXXXX, XXXX. as Trustee for the unregistered entity because it could not file litigation in Texas. This was a frivolous and fraudulent act since XXXX MPT ( unregistered ) could not enter into a contract and/or litigation with anyone in Texas. Plus, the XXXX statute of limitation had expired from the date the Demand and Notice to Acceleration had been sent and notice to litigate in XX/XX/XXXX. The lawyers would not take on the contract issue of the claim, even when the Defendant attorneys asked to negotiate a settlement. XXXX thought it was unfair that I have a home without paying for it when they had too. However, they would take the case if I filed Bankruptcy and paid {$3000.00} up front. The system is very corrupt even including the judges. \n\nSummary. If it were not for HSBC, HSBC BANK USA, HSBC Holding Plc. fraudulent transfers of XXXX, I would not have lost my property to the bad actors you transferred my loan too. Your former Chief of Global Real Estate, XXXX XXXX, has been on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XXXX. This is very suspect because many directors and officers breached their fiduciary duties. Those pre-negotiated prices for borrowers loans had to cross XXXX desk. You have continued your bad and deceptive practices, by defrauding your own customers so you may recover some of your millions lost from the fine. This is not only fraud, but unchecked capitalism which leads to economic discrimination. Please provide : 1. A copy of the Trust Contract between HSBC/HFC III with XXXX Master Participation Trust. 2. A. copy of the Servicer Agreement between XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. A copy of the detail debt sold to XXXX MPT. XXXX. Reason why you did not comply with the XXXX XXXX XXXX XXXX. XXXX. Reason you violated the Sale or Merger of XXXX Parties Agreement. Caliber has stated in correspondence that they did not own any part of XXXX XXXX, which is untrue. \n\nThese are simple requests. Because you have violated the Adjudicated Prosecution Agreement, a copy of this letter and a detail legal memo will be sent to the XXXX XXXX, Chief Fraud Section, to investigate this and all other parties involved in this fraud which originated with XXXX transferring tens of thousands of debts which you did not own. Accountability must come from the top in order to effect change and fairness.","date_sent_to_company":"2024-01-23T15:58:49.000Z","issue":"Closing on a mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"70503","tags":"Older American","has_narrative":true,"complaint_id":"8015508","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Caliber Home Loans, Inc.","date_received":"2023-12-18T02:15:56.000Z","state":"LA","company_public_response":null,"sub_issue":"Closing disclosure or other related disclosures"},"highlight":{"complaint_what_happened":["In XXXX, I was sued stating I owed {$190000.00} which included an illegal XXXX interest <em>only</em> <em>escrow</em> and other unsubstantiated <em>charges</em>. XXXX also owns XXXX XXXX Funds, and all its subsidiaries, LLCs."]},"sort":[6.5636764,"8015508"]},{"_index":"complaint-public-v1","_id":"9312225","_score":6.1867733,"_source":{"product":"Mortgage","complaint_what_happened":"On XXXX XX/XX/XXXX, I placed a call to Mr. Cooper at XXXX AM to discuss an issue with my account. I was experiencing an issue with the website which resulted in a page error when I tried to submit the payment on XXXX XX/XX/XXXX. I logged onto my bank to see if there were any charges, and I was unable to see anything. On XXXX XX/XX/XXXX, I was able to see all of my posted transactions with in the last XXXX days and discovered that my account was charged twice by my car insurance company, an unauthorized charge from XXXX, and another charge from a home security company that I had unenrolled from their services. These charges totaled {$690.00} which caused my {$2200.00} payment to Mr. Cooper to be returned. On XXXX XX/XX/XXXX, I was charged, again, for {$2200.00} by Mr. Cooper. I was unaware that Mr. Cooper makes XXXX ( XXXX ) attempts in processing payments, thus, proves my claim that I was charged, twice, by XXXX for XX/XX/XXXX. This annotated on page XXXX from the letter dated XXXX XX/XX/XXXX. When I was paid by my employer on XXXX XX/XX/XXXX, I had submitted a payment to be withdrawn that day, but I submitted a cancelation request because I was unsure what I owed. I also want to point out that I'm XXXX to XXXX hours behind since Mr.Cooper 's office is in Texas and I'm in XXXX. I can only call Mr. Cooper either on my lunch break or wait till Saturday. The only other way I could contact was either through email or mailing them a letter. \n\nThinking that I might have made XXXX payments ( and previously disclosed, the payment page had errored out ), I tried logging into Mr. Cooper to see what was happening. I was unable to make a payment or adjustments since the payments were still pending. I placed a total of XXXX ( XXXX ) calls on XXXX XX/XX/XXXX and XXXX ( XXXX ) calls on XXXX XX/XX/XXXX to Mr. Cooper for assistance. I wanted to contact Mr. Cooper first to get an understanding on what I owed. Between XX/XX/XXXX and XX/XX/XXXX, I was unable to get a viable answer, so I reached out to the Veteran Affairs loan office on XXXX XX/XX/XXXX. \n\nFrom XXXX XX/XX/XXXX to XXXX XX/XX/XXXX, I spoke to VA XXXX XXXX, XXXX XXXX XXXX, to seek assistance with mediating between Mr. Cooper and myself. XXXX XXXX recommended that I place a complaint to the Consumer Financial Protection Bureau ( CFPB ), but I wanted to give Mr.Cooper a chance to see if they could assist and provide viable options in regards to my situation. During that time, XXXX XXXX XXXX sent an email correspondence to Mr. Cooper after several phone attempts had failed. On XXXX XX/XX/XXXX, XXXX XXXX received an email response from Mr. Cooper. \n\nI will have this looked into and advise of the outcome. \n\n\nOn the same day, XXXX XX/XX/XXXX, there were a few transactions adjustments on my account that were completed by Mr. Cooper. Several addition transactions and fee charges were issued by Mr. Cooper while I was in the process of seeking Mortgage Assistance/Account Audit from Mr. Cooper and XXXX the Department of Veteran Affairs XXXX Unfortunately, I had no knowledge of this until months later. On XXXX XX/XX/XXXX through a phone call with the VA XXXX XXXX, I was advised to try to work something out with Mr. Cooper since the VA XXXX received a response on the request for an inquiry on my loan account. \n\nOn XXXX XX/XX/XXXX, I placed XXXX ( XXXX ) calls to Mr. Cooper ( during my lunch break ) to try and see if I could get sometime of clarity and status of the audit and what should I do next. I wanted to see if I could work something out to get back on my payments by going through a repayment program. I mentioned in XXXX of the calls that there was a pending program for customers that were behind on their mortgage and used a VA loan to buy home. The name of the program was the XXXX XXXX XXXX XXXX program ( VASP ). I was told that Mr. Cooper hadnt gotten any guidance of the program, but the application process was estimated to begin around XX/XX/XXXX. Since this was more than XXXX months away, I asked what I could do at this point since I wasnt able to bring my account current while additional fees were being added, and that I couldnt make payments until the audit was complete. I was given no other option other than getting on a payment plan that would cost more than XXXX of my monthly paycheck or wait for the audit to be completed. Defeated, I still had no results from the audit nor any realistic assistance to keep my home. \n\nI placed XXXX additional ( XXXX ) call to Mr. Cooper on XXXX XX/XX/XXXX to see if there were any other options other than the repayment program, which I had stated in the previous call that the monthly payments were unrealistic, and I couldnt afford. Instead, I was forwarded an application for a loan modification and told to fill it out, the same program that I had just disclosed previously were I was provided with unrealistic payments. I was also told that if I was to apply for XXXX, there was no guarantee that I was going to get accepted and that if it was rejected, my home could go into foreclosure. While this who ordeal was just as stressful, I had received an earlier notification that I was going to go TDY in XXXX. \n\nOn XXXX XX/XX/XXXX, I was officially marked as part of the XXXX team for my squadron. For XXXX reasons, I am unable to completely disclose the location and specifications of the XXXX, but I had noted in all three ( XXXX ) emails that were sent to both XXXX and XXXX that this could cause a delay in communications. I noted that from XXXX XXXX XXXX XX/XX/XXXX, as I noted in my emails, I would not be able to contact nor conduct any business until my return on XXXX XX/XX/XXXX. As a courtesy, I have attached the emails that were sent and how long it took for Mr. Cooper to get back with me. \n\nThe following are the dates the emails were sent : XXXX XX/XX/XXXX @ XXXX PM ( HST ) XXXX XX/XX/XXXX @ XXXX AM ( HST ) email was a forwarding email from the first attempt. \nXXXX XX/XX/XXXX @ XXXX AM ( XXXX ) I did not receive a response from Mr. Cooper until XXXX XX/XX/XXXX. I was not available until XXXX XX/XX/XXXX. \n\nOn XXXX XX/XX/XXXX, I reached back out to the VA to see if they had heard anything back on the audit and I was told no. XXXX days later, on XXXX XX/XX/XXXX, I received an online notice from the email inquiry that was requested by the VA on XXXX XX/XX/XXXX and my email inquiry from XXXX XX/XX/XXXX. I would like to break down the audit and provide a response to each finding, with documentation to support my response. \n\n\n\nPayments Our records show that on XX/XX/XXXX, Mr. Cooper processed XXXX ( XXXX ) payments in the total amount of {$4800.00}, which you authorized and set up via the website. The payment was returned on XX/XX/XXXX, due to insufficient funds. In addition, a payment of {$2000.00} was returned due to insufficient funds on XX/XX/XXXX ; this payment was initially processed and credited on XX/XX/XXXX. However, please be informed that we do not have a record of processing XXXX ( XXXX ) payments in XX/XX/XXXX. As of the date of this letter, your loan account is due for the XX/XX/XXXX, payment and all subsequent payments due thereafter. \nThe amount to reinstate the loan is {$13000.00}, please see the breakdown below : Past Due Principal and Interest ( XXXX & XXXX ) {$12000.00} Escrow ( Taxes and Insurance ) {$1100.00} Corporate Advance Total {$100.00} Accrued Late Charge {$400.00} Mr. Cooper attempted a total of XXXX ( XXXX ) times to withdraw from my bank account XXXX a payment is sent through the XXXX XXXX XXXX, Mr. Cooper XXXX attempt at least XXXX ( XXXX ) times to withdraw from the account submitted. This is proof, that I was charged, XXXX ( XXXX ) times for the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The documentation that XXXX XXXX investigation team even show the charges. Also in the documentation, it shows that the total amount that I owed changed exponentially after auditing my account starting in XX/XX/XXXX. Fees were also added on top of everything during this audit even when I was unable to make payments online or on the phone since I was told to not do anything until the audit was completed. This was unfair and allowed me no other choice but to pay more than I should have been paying. I hope this documentation can be reviewed and taken into consideration for my appeal. I have copied and pasted the charges are below. For official documents from XXXX, please see the previously stated, attached documentation. \n\nXXXX XX/XX/XXXX ( {$2200.00} ) XXXX XX/XX/XXXX ( {$2200.00} ) XXXX XX/XX/XXXX ( {$2000.00} ) XXXX XX/XX/XXXX ( {$2200.00} ) XXXX XX/XX/XXXX ( {$2200.00} ) XXXX XX/XX/XXXX ( {$2200.00} ) XXXX XX/XX/XXXX ( {$2200.00} ) Loss Mitigation A Veterans Affairs Repayment Plan review was opened on XX/XX/XXXX, and remains active. Enclosed is a copy of the XXXX XXXX dated XX/XX/XXXX, that was sent to you for completion. We have not received the required documentation to determine your eligibility. We ask that you please return the requested financial documents by the deadline of XX/XX/XXXX, so we can continue our review. The workout review XXXX be rejected if the documents are not received within the allotted timeframe. Regarding the XXXX XXXX XXXX XXXX XXXX, it is not currently available. Mr. Cooper is required to complete a review in accordance with program guidelines, and any decision that has been rendered has been completed under investor and program guidelines. Due to these guidelines, we are unable to negotiate the terms of any loss mitigation program. \n\n\nXXXX XX/XX/XXXX to XXXX XX/XX/XXXX, as I have stated numerous times, the Mr. Cooper website was not accepting my documents as I was submitting them. This caused more than XXXX document errors, that I was consistently experiencing during my application. After XXXX months of trying to get answer, XXXX customer service agent was able to see that XXXX of the reasons my documents were getting errors on them, was because who ever was reviewing my documents, didnt open the pdf that contained my requested tax return! I was told it only showed XXXX document, but when the rep clicked the document, it showed the complete return, all the pages. I have stated this issue numerous times, and because of this gross negligence, I was charged unnecessary fees that could have been avoided had someone helped me. Not only this, but I was on TDY orders and even sent out XXXX emails before I would be unavailable, yet I never received a response until the end of my XXXX. I had did everything is my power to submit the documents and did it well within the time frame, but took more than 4 months for someone to acknowledge that this was an error on Mr. Cooper and not myself. \n\nCustomer Service Our records show that you have been able to speak with a Mr. Cooper representative XXXX ( XXXX ) times since XX/XX/XXXX, and during the calls, you were provided with information regarding the account. \n\nAccording to phone records that were retained from my cell service provider, XXXX XXXX XXXX, there were a total of ( XXXX ) XXXX calls placed to Mr. Cooper from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. Only ( XXXX ) XXXX of those calls I was able to speak to a live agent, but only XXXX ( XXXX ) of those calls offered actual assist with getting my account looked at. While I was provided information regarding the account I was never provided the assistance I needed because I had to consistently explain my situation and were only offered options that werent not only helpful but made my situation worse. In fact, after receiving this letter, I couldnt get any help on XXXX XX/XX/XXXX, because XXXX XXXX system was down, thus, prolonging my wait to get help. I placed a total of ( XXXX ) XXXX calls that day. There was XXXX agent that was rude and made the situation worst by talking down to me and not understanding my issue and how important it was for me. The customer service that I received from Mr. Cooper was absolutely terrible! I felt that whenever I contacted customer service, my issue was not treated with care and the lack of accountability for the negligence of the reps that I spoke to has gone unnoticed. XXXX XXXX that I had to reach out to the VA, the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX just to get assistance is absolutely unacceptable. \n\nXXXX of the factors in the denial of the request for enrollment in the XXXX program was the credit obligations. I enrolled in XXXX XXXX XXXX and was promised that all of my debt would be bundled into XXXX monthly payment while the company would negotiate with the creditors. I was paying almost at least {$300.00} into an account that I was instructed to so it could be used to pay the creditors. Unfortunately, after several months, only XXXX creditor had been contacted and the others were not being paid. Some of the creditors were still taking money out of my checking account even after I sent notifications that XXXX would be the company to contact in regards to my account. My credit also took a huge negative hit and caused a significant decline in both my mental health and financial health. On XXXX XX/XX/XXXX, I called XXXX and XXXX the contracts. Still, they continued to draw money from my checking account for services that were not rendered. \n\nOn XXXX XX/XX/XXXX, the Consumer Financial Protection Bureau and several state ( states ) filed a class action lawsuit against XXXX and their associates. A few weeks later, I was able to hire XXXX XXXX XXXX to represents me in a lawsuit against XXXX for XXXX the act. I have attached proof of being part of the XXXX program, withdrawal from the program the class action lawsuit notice, and proof of the case being filed by the end of XX/XX/XXXX. \n\nSo far, as of the date of this letter, my account balance sits at $ $ $ $ $ XXXX The prevention of the progression of these costs to rise at levels that could have been mitigated has been long overdue. I can only hope that Mr. Cooper and the shareholders of the company consider the long uphill battle that me and my family had to endure.","date_sent_to_company":"2024-06-20T08:58:39.000Z","issue":"Struggling to pay mortgage","sub_product":"VA mortgage","zip_code":"96706","tags":"Servicemember","has_narrative":true,"complaint_id":"9312225","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2024-06-20T08:08:51.000Z","state":"HI","company_public_response":null,"sub_issue":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu"},"highlight":{"complaint_what_happened":["I logged onto my bank to see if there were any <em>charges</em>, and I was unable to see anything. On XXXX XX/XX/XXXX, I was able to see all of my posted transactions with in the last XXXX days and discovered that my account was charged twice by my car insurance company, an <em>unauthorized</em> <em>charge</em> from XXXX, and another <em>charge</em> from a home security company that I had unenrolled from their services. These <em>charges</em> totaled {$690.00} which caused my {$2200.00} payment to Mr. Cooper to be returned."]},"sort":[6.1867733,"9312225"]},{"_index":"complaint-public-v1","_id":"18397622","_score":5.9638944,"_source":{"product":"Mortgage","complaint_what_happened":"CFPB COMPLAINT Mortgage / Escrow / Force-Placed Insurance ( Lender-Placed Insurance ) Company Navy Federal Credit Union ( NFCU ) 1 ) SUMMARY OF COMPLAINT- This is not a duplicate complaint to XXXX. This is a complaint after Navy Federal took action to cancel Force Placed Insurance but had already corrupted the payment record and failed to correct. Today XX/XX/XXXX we tendered XX/XX/XXXX payment and despite our Teller receipts, NFCU said the XXXX payment had not been made since there were funds in suspense. We never authorized funds in suspense. \n\nBackground. Navy Federal Credit Union placed force-placed insurance ( FPI ) on the mortgage even though there was no lapse in our homeowners insurance coverage. XXXX XXXX notified NFCU and NFCU cancelled the FPI effective its start date of XX/XX/XXXX. Despite cancelling, NFCU attempted to charge us the FPI premium, and without our authorization NFCU converted/misapplied our monthly mortgage payments to pay the disputed FPI. NFCU then claimed our payment was short, placed payments into suspense, treated us as delinquent, and escalated to pre-foreclosure / collection posture for a debt we disputed from the beginning, abinitio, nunc pro tunc. \nAlthough NFCU cancelled the FPI ab initio, NFCU never corrected the internal accounting and continues showing us as past due. NFCUs continuing accounting errors appear to be generating late fees and default status from NFCUs own misapplication. On XX/XX/XXXX, we tendered the payment marked for XX/XX/XXXX private.special.deposit.entrust. ; the NFCU Teller asserted a late fee was due-we disputed ; we tendered the late fee Under Protest ; and NFCU still claimed funds remained in suspense and applied the payment to a prior month. We have receipts showing timely payments. \n\n\nThis conduct has harmed us, including stress, time loss, improper fees, and damage risk to our credit. I lost 6 hours having to drive to the NFCU Teller in XXXX XXXX  since the online portal said they were \" experiencing technical difficulties and to try back later. '' I then collected proof of Navy Federal Credit Union 's failures. The largest failure is Board oversight and Internal Control failure, implicating the need for external oversight and enforcement.\n\n2 ) KEY FACTS ( CHRONOLOGY ) 1. No lapse in coverage. We maintained continuous homeowners coverage with XXXX XXXX. There was no gap requiring FPI.\n\n2. NFCU placed FPI anyway, and the FPI cost was nearly double the premium of the XXXX XXXX policy already in force. \n\nXXXX. XXXX XXXX notified NFCU. NFCU cancelled the FPI effective the same date it purported to begin ( effective XX/XX/XXXX for policy year XX/XX/XXXX, XXXX ; cancellation effective XX/XX/XXXX ). \n\n4. Despite cancellation, NFCU attempted to charge us the FPI premium. We disputed the charge. Navy Federal Credit Union never corrected its accounting records.\n\n5. Unauthorized conversion / misapplication of payments. Without our consent, NFCU converted our mortgage payments to pay the disputed FPI. Our tendered funds were restricted/marked private.special.deposit.entrustand were intended for the monthly mortgage payment purpose only yet NFCU re-directed them and converted them without authorization.\n\n6. Suspense + short claim. After converting the payment, NFCU then stated our mortgage payment was short and placed the payment into suspense, claiming delinquency created by NFCUs own re-application.\n\n7. Escalation despite dispute. We contested, disputed, and reported NFCU to regulators. NFCU nonetheless initiated pre-foreclosure / debt collection posture for amounts we dispute as invalid from inception. \n\n8. XX/XX/XXXX payment incident. We tendered full payment for XX/XX/XXXX ; NFCU asserted a late fee ; we paid the late fee under protest ; Teller then stated there was still an amount in suspense and that our payment was applied to XX/XX/XXXX. We objected. The payment was marked XX/XX/XXXX and we disputed the FPI and suspense treatment.\n\n9. Ongoing accounting defect. The enclosed documents show NFCU cancelled the FPI but never corrected the internal ledger. NFCUs system continues to show delinquency even though our payments have been timely.\n\n3 ) ADDITIONAL SERVICING MISCONDUCT : NO SINGLE POINT OF CONTACT + ROTATING ADDRESSES NFCU failed to provide a single, consistent point of contact for this dispute and escalated matter. NFCU also used multiple different states/addresses for communications and servicing ( including XXXXXXXX XXXX and XXXX XXXX  ) without our consent and without identifying a single accountable office or authorized agent.\n\nWe demand a SINGLE POINT OF CONTACT for all matters related to this mortgage dispute : one named person, with title, direct phone/email, and one servicing address that is actually responsible. \nThis fragmented structure has the practical effect of : obstructing dispute resolution, enabling inconsistent representations, making it difficult to correct errors, and insulating NFCU from accountability while fees/delinquency continue, but opening the mortgage to cancelation, ab initio , nunc pro tunc.\n\n4 ) WHY WE ARE COMPLAINING We are not asking CFPB to accept legal conclusions. We are reporting servicing conduct that appears unfair and harmful and has caused us actual harm.\n\nFPI was placed when it was not needed ( no lapse ).\n\nFPI was priced far above our existing coverage cost.\n\nNFCU attempted to charge us anyway even after cancellation.\n\nNFCU misapplied payments without authorization, then blamed us for short payments.\n\nNFCU used suspense in a way that created artificial delinquency.\n\nNFCU escalated to default/collection posture based on an internally created error.\n\nNFCU has not corrected the account, and late fees/delinquency effects continue.\n\nNFCU used federal Wire and federal US Mail in the scheme.\n\n5 ) RETALIATION / DE-BANKING CONCERN After we reported NFCU to regulators ( NCUA/CFPB ) and disputed the charges, NFCUs continuing posture has the practical effect of punishing us for reporting ( continued delinquency coding, suspense balances, fee generation, escalation posture ). We ask CFPB to treat retaliation risk seriously and require NFCU to correct the record promptly, issue us an apology and send notice to its XXXX branch of gross errors and tell the XXXX branch to similarly issue an apology for maintaining that we still owed nearly {$670.00} XXXX ) DOCUMENTS WE ARE UPLOADING Force-placed insurance declarations and cancellation documentation ( showing cancellation effective XX/XX/XXXX ). \nXX/XX/XXXX payment slip/receipt. CFPB has the prior months slips in our prior filing. \nPrior NFCU notices alleging missed/short payment tied to the FPI and suspense.\n\n7 ) REMEDY We request CFPB require NFCU to : 1. Correct the servicing ledger so the account reflects no delinquency caused by FPI placement/misapplication and suspense handling.\n\n2. Remove and refund all fees, late charges, and amounts tied to the FPI and any suspense-created short condition.\n\n3. Provide a complete, itemized payment history showing how each payment was applied ( principal/interest/escrow/fees/suspense ) and the exact dates the FPI was added/removed.\n\n4. Provide written confirmation that the mortgage is current ( or an itemized explanation supported by evidence if NFCU claims otherwise ).\n\n5. Correct any negative credit furnishing attributable to this dispute and provide written confirmation of corrections.\n\n6. Stop all collection/default escalation tied to the disputed and internally created amounts.\n\n7. Provide a single point of contact with direct contact details and one accountable servicing address.\n\n8. Provide a written explanation of how controls failed such that FPI was placed without a lapse and the ledger was not corrected after cancellation.\n\n9. Notify all credit reporting agencies that Navy Federal Credit Union admitted that it created an incorrect narrative and for all credit agencies to correct the record removing all adverse credit remarks concerning us.\n\n10. Provide us with the face value of the Bond, profits and proceeds backing the FPI using our NAME. We CLAIM the Bond as NOT ABANDONED.\n\nWe also request CFPB review NFCUs practices for broader consumer harm, given the seriousness of force-placed insurance misuse and internal accounting failures.\n\nWe request CFPB to reimplement the {$95.00} million in penalties against Navy Federal Credit Union for its questionable practices.\n\nWe request CFPB referral to NCUA and US DOJ as appropriate and to OCC as appropriate.\n\n8 ) NOTICE TO NFCU GOVERNANCE ( BOARD + SUPERVISORY COMMITTEE ) This complaint also serves as formal notice to NFCUs governance bodies that the conduct described reflects a breakdown in servicing controls and oversight. We request governance-level intervention to ensure immediate correction, refunds, and cessation of escalation.\n\nNOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT, SUCCESSOR, ASSIGNS.\n\nBOARD OF DIRECTORS NOTICE ( INDIVIDUAL + OFFICIAL CAPACITY ) Each of the following is noticed in their individual capacity and official capacity as a Director/officer of NFCU : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX, Board of Directors 2. CAPT XXXX XXXX XXXX XXXX, XXXX ( XXXX. ) XXXX XXXX XXXX, XXXX of Directors XXXX. XXXX XXXX XXXX XXXX, XXXX ( XXXX. ) Second Vice Chair, Board of Directors 4. XXXX XXXX XXXX XXXX XXXX XXXX & XXXX ; Director/Treasurer XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, XXXX ( XXXX. ) XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX ( XXXX. ) XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX ( XXXX. ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Governance Demand : Direct management to correct the ledger, refund improper charges/fees, stop escalation, correct any credit reporting impacts, and assign a single point of contact. Provide us with the face value of the Bond, profits and proceeds backing the FPI using our NAME. We CLAIM the Bond as NOT ABANDONED.\n\nSUPERVISORY COMMITTEE NOTICE ( INDIVIDUAL + OFFICIAL CAPACITY ) Each of the following is noticed in their individual capacity and official capacity as a member of NFCUs Supervisory Committee : 1. BGen XXXX XXXX XXXX, XXXX ( XXXX. ) XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Member XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Member XXXX. XXXX XXXX XXXX XXXX, SC, XXXX ( XXXX. ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX ( XXXX. ) XXXX XXXX Member Oversight Demand : Review and report on internal controls that allowed : ( a ) FPI placement without lapse ; ( b ) payment conversion without authorization ; ( c ) suspense creating artificial delinquency ; ( d ) failure to unwind/correct after cancellation ; ( XXXX ) escalation posture based on disputed, internally created amounts, and ( f ) receipt of our novation cancelling the mortgage for misrepresentation/concealment/ non full disclosure, ab initio 9 ) SINGLE POINT OF CONTACT DEMAND ( REPEAT FOR CLARITY ) We demand NFCU designate ONE accountable SPOC for all matters related to this mortgage dispute, with : name + title, direct phone/email, one responsible physical mailing address, written confirmation of authority to resolve the dispute and correct the ledger.\n\nUntil NFCU provides a SPOC and corrects the ledger, we dispute any claimed delinquency and object to collection/default escalation based on amounts created by NFCUs own misapplication.\n\n10 ) TIME LOSS / OUT-OF-POCKET IMPACT On XX/XX/XXXX, NFCUs errors and refusal to resolve the ledger required approximately 6 hours of time to address. Our published fee schedule applies ; we assess {$3000.00} for that days time loss ( $ XXXX XXXX ), paid/owed due to NFCU-caused administrative burden. This is separate from fee refunds and credit correction.","date_sent_to_company":"2025-12-31T22:25:42.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"18397622","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-12-31T22:03:22.000Z","state":"KY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["Despite cancellation, NFCU attempted to <em>charge</em> us the FPI premium. We disputed the <em>charge</em>. Navy Federal Credit Union never corrected its accounting records.\n\n5. <em>Unauthorized</em> conversion / misapplication of payments. Without our consent, NFCU converted our mortgage payments to pay the disputed FPI."]},"sort":[5.9638944,"18397622"]},{"_index":"complaint-public-v1","_id":"10475948","_score":5.787611,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally rescind my [ contract/agreement ] for the purchase of the [ XXXX, XXXX, vin number XXXX ], purchased on [ XX/XX/XXXX ] at your [ Dealership Location ]. Under the provisions of relevant consumer protection laws and regulations, including but not limited to the Truth in Lending Act ( TILA ), Federal Trade Commission ( FTC ) regulations, and the Consumer Financial Protection Bureau ( CFPB ) guidelines, I am exercising my right to rescind this contract and request a full refund of any amounts paid, in accordance with my rights under the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 ) and related consumer protection statutes. \n\nAfter careful review of the loan documents and disclosures provided by your dealership, I have discovered multiple violations of my rights as a consumer. These violations fall under the following federal consumer laws : 1. **Truth in Lending Act ( TILA ) Violations** : Truth and lending disclosure : Annual percentage rate, finance charge ( ( Sum of all charges ) ), amount financed, any down payment with total payments, total interest from apr. ( amount of credit provided on my behalf ( ( open end credit plan ) ). Drive time did not accurately and truthfully follow the ( TILA ) laws. \n\nPrimary tabs ( *definition ) The Truth in Lending Act ( TILA ) is a consumer protection law enacted in XXXX in response to exceedlingy predatory loan practices. Prior to the TILA, lenders would use a variety of terminology and forms of lending that manipulated uninformed borrowers. The TILA changed this by requiring a uniform system of disclosures and terminology to be used for lending like credit cards or mortgages. Creditors were required to disclose details like the annual percentage rate and repayments details in a clear way to borrowers or else the borrower may be able to rescind the debt. TILA also limits the amount of late fees creditors can charge. Overall, the TILA since its signing has been updated to respond to changing lending practices to ensure borrowers clearly understand the terms and conditions they agree to. \n\n\n\n\n-15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. \n( b ) Terms of personal property leases The XXXX also finds that there has been a recent trend toward leasing automobiles and other durable goods for consumer use as an alternative to installment credit sales and that these leases have been offered without adequate cost disclosures. It is the purpose of this subchapter to assure a meaningful disclosure of the terms of leases of personal property for personal, family, or household purposes so as to enable the lessee to compare more readily the various lease terms available to him, limit balloon payments in consumer leasing, enable comparison of lease terms with credit terms where appropriate, and to assure meaningful and accurate disclosures of lease terms in advertisements. \n- 15 U.S.C. 1602 ( g ), ( j ), ( i ), ( k ), ( p ) : Drive time Failed to provide clear and accurate definitions regarding credit terms and conditions at the time of the transaction or beforehand. \n\n15 U.S code 1602 ( g ) : ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter.\n\nIn this Violation I am not liable for any payments or finance charges outside of the initial Consumer credit transaction ( CCT ), as to having open end credit! There is no such evidence of indebtedness to ( me ) The contract will be voided and longer service anything. Rescind the agreement/ contract now. \n\n\n15 U.S code 1602 ( i ) : ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. \n\nI need the car to get my siblings to school and be able to go to work and back home. I can not do that in the face of illegal representation and not fully disclosing the information ( TILA ), who has instructed ( XXXX XXXX ) to do so in congress writing. I need the car so I am able to sustain a life of living. \n\n\n15 U.S code 1602 ( j ) : ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. \n\nI have a right to unlimited credit in the case of being denied credit is a false and inaccurate statement under the consumer law writings. As I am not liable for any of the monthly payments, down payments and extra charges that were not clearly and conspicuously disclosed. \n\n\n15 U.S code 160XXXX ( k ) : ( k ) The term adequate notice, as used in section XXXX of this title, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. \n\n\nThere was never a point in time that drive time informed me on my right to rescind, which is a violation for not disclosing to me my right Clearly and conspicuously to rescind. \n\n\n15 U.S code 1602 ( p ) : ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. \n\nI was violated by ( XXXX XXXX ) in the misuse of my credit report and information which is a violation. I received no benefits from the extra unlawful charges. This misleading information has led me into losing my job and not being able to get my mothers care needed. \n\n- 15 U.S.C. 1604 ( a ), ( b ) : Violations related to required regulations and guidelines for credit disclosures. They misused my credit which affected me in many statue damages, which damaged my way of living, character and right to obtain more credit. \n\n- 15 U.S.C. 1604 ( a ) : ( a ) Promulgation, contents, etc., of regulations The Bureau shall prescribe regulations to carry out the purposes of this subchapter. Except with respect to the provisions of section 1639 of this title that apply to a mortgage referred to in section 1602 ( aa ) [ 1 ] of this title, such regulations may contain such additional requirements, classifications, differentiations, or other provisions, and may provide for such adjustments and exceptions for all or any class of transactions, as in the judgment of the Bureau are necessary or proper to effectuate the purposes of this subchapter, to prevent circumvention or evasion thereof, or to facilitate compliance therewith. \n\n- 15 U.S.C. 1604 ( b ) : ( b ) Model disclosure forms and clauses ; publication, criteria, compliance, etc. \nThe Bureau shall publish a single, integrated disclosure for mortgage loan transactions ( including real estate settlement cost statements ) which includes the disclosure requirements of this subchapter in conjunction with the disclosure requirements of the Real Estate Settlement Procedures Act of XXXX [ 12 U.S.C. 2601 et seq. ] that, taken together, may apply to a transaction that is subject to both or either provisions of law. The purpose of such model disclosure shall be to facilitate compliance with the disclosure requirements of this subchapter and the Real Estate Settlement Procedures Act of XXXX, and to aid the borrower or lessee in understanding the transaction by utilizing readily understandable language to simplify the technical nature of the disclosures. In devising such forms, the Bureau shall consider the use by creditors or lessors of data processing or similar automated equipment. Nothing in this subchapter may be construed to require a creditor or lessor to use any such model form or clause prescribed by the Bureau under this section. A creditor or lessor shall be deemed to be in compliance with the disclosure provisions of this subchapter with respect to other than numerical disclosures if the creditor or lessor ( 1 ) uses any appropriate model form or clause as published by the Bureau, or ( 2 ) uses any such model form or clause and changes it by ( A ) deleting any information which is not required by this subchapter, or ( B ) rearranging the format, if in making such deletion or rearranging the format, the creditor or lessor does not affect the substance, clarity, or meaningful sequence of the disclosure. \nIn accordance with the consumer law i am revoking all of my signatures from ( XXXX XXXX ) and all contracts that ( XXXX XXXX ) illegally obtained and distributed to other furnishers. \n\n- 15 U.S.C. 1605 ( a ) ( 1 ) - ( 6 ), ( c ), ( d ) ( 1 ) - ( 3 ), ( e ) ( 1 ) - ( 6 ) : Improper disclosure of the finance charge, amount financed, and the annual percentage rate ( APR ). In the documents attached to this letter ( Retail installment contract ) It shows extra charges outside of the finance charge which ( CLEARLY STATES ) in title above this statement. I will need full compensation back for all misleading advertisements presented illegally as for non accurate disclosures of documents to be terminated immediately. \n\n\n( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents ( car dealership ), attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( XXXX ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. \n* XXXX, monthly payments ( XXXX ) Service or carrying charge. \n\n\n( XXXX ) Loan fee, finders fee, or similar charge. \n\n\n( XXXX ) Fee for an investigation or credit report. \n\n\n( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. \n\n\n\n\n( XXXX ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. ( extra fees onto of car loan- apart of finance charged ) ( finaced to me on my behalf on the finance charged means it was paid off full. ) - 15 U.S.C. 1605 ( c ) : ( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained. \n\n\n- 15 U.S.C. 1605 ( d ) : ( d ) Items exempted from computation of finance charge in all credit transactions If any of the following items is itemized and disclosed in accordance with the regulations of the Bureau in connection with any transaction, then the creditor need not include that item in the computation of the finance charge with respect to that transaction : ( XXXX ) Fees and charges prescribed by law which actually are or will be paid to public officials for determining the existence of or for perfecting or releasing or satisfying any security related to the credit transaction. \n\n\n( XXXX ) The premium payable for any insurance in lieu of perfecting any security interest otherwise required by the creditor in connection with the transaction, if the premium does not exceed the fees and charges described in paragraph ( XXXX ) which would otherwise be payable. \n\n\n( XXXX ) Any tax levied on security instruments or on documents evidencing indebtedness if the payment of such taxes is a precondition for recording the instrument securing the evidence of indebtedness. \n\n\n- 15 U.S.C. 1605 ( e ) : ( e ) Items exempted from computation of finance charge in extensions of credit secured by an interest in real property The following items, when charged in connection with any extension of credit secured by an interest in real property, shall not be included in the computation of the finance charge with respect to that transaction : ( 1 ) Fees or premiums for title examination, title insurance, or similar purposes.\n\n( 2 ) Fees for preparation of loan-related documents.\n\n( 3 ) Escrows for future payments of taxes and insurance.\n\n( 4 ) Fees for notarizing deeds and other documents.\n\n( 5 ) Appraisal fees, including fees related to any pest infestation or flood hazard inspections conducted prior to closing.\n\n( 6 ) Credit reports. \n\n\n\n\n- 15 U.S.C. 1606 ( a ) ( 1 ) ( A ) ( B ) ( 2 ), ( b ), ( e ) : Violations in the calculation and disclosure of the APR and other credit terms.\n\n15 U.S. Code 1606 - Determination of annual percentage rate ( a ) Annual percentage rate defined The annual percentage rate applicable to any extension of consumer credit shall be determined, in accordance with the regulations of the Bureau, ( 1 ) in the case of any extension of credit other than under an open end credit plan, as ( A ) that nominal annual percentage rate which will yield a sum equal to the amount of the finance charge when it is applied to the unpaid balances of the amount financed, calculated according to the actuarial method of allocating payments made on a debt between the amount financed and the amount of the finance charge, pursuant to which a payment is applied first to the accumulated finance charge and the balance is applied to the unpaid amount financed; or ( B ) the rate determined by any method prescribed by the Bureau as a method which materially simplifies computation while retaining reasonable accuracy as compared with the rate determined under subparagraph ( A ). [ 1 ] ( 2 ) in the case of any extension of credit under an open end credit plan, as the quotient ( expressed as a percentage ) of the total finance charge for the period to which it relates divided by the amount upon which the finance charge for that period is based, multiplied by the number of such periods in a year. \n\n\n( b ) Computation of rate of finance charges for balances within a specified range Where a creditor imposes the same finance charge for balances within a specified range, the annual percentage rate shall be computed on the median balance within the range, except that if the Bureau determines that a rate so computed would not be meaningful, or would be materially misleading, the annual percentage rate shall be computed on such other basis as the Bureau may be regulation require ( e ) Authorization of tolerances in determining annual percentage rates In the case of creditors determining the annual percentage rate in a manner other than as described in subsection ( d ), the Bureau may authorize other reasonable tolerances. \n\n\n- 15 U.S.C. 1611 ( 1 ) - ( 3 ) : Drive time is held under the Criminal liability for willful and knowing violations of TILA provisions. \n\n15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. \n\n- 15 U.S.C. 1640 ( a ) ( 1 ) - ( 4 ), ( d ) - ( f ) : Civil liability for TILA violations, including statutory damages and legal remedies available to me as a consumer. My credit, person of self, natural character was damaged due to the fact of not being informed clearly and conspicuously on my rights and the finance charge break down. I have lost my daughter and jobs with my truck being repossessed illegally which is a breach of peace a federal law. I have been struggling to get to work do to this outcome of illegal activities. \n\n15 U.S. Code 1640 - Civil liability ( a ) Individual or class action for damages ; amount of award ; factors determining amount of award Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under section XXXX of this title, subsection ( f ) or ( g ) of section XXXX of this title, or part D or XXXX of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of the failure ; ( XXXX ) ( A ) ( i ) in the case of an individual action twice the amount of any finance charge in connection with the transaction, ( ii ) in the case of an individual action relating to a consumer lease under part E of this subchapter, 25 per centum of the total amount of monthly payments under the lease, except that the liability under this subparagraph shall not be less than {$200.00} nor greater than {$2000.00}, ( iii ) in the case of an individual action relating to an open end consumer credit plan that is not secured by real property or a dwelling, twice the amount of any finance charge in connection with the transaction, with a minimum of {$500.00} and a maximum of {$5000.00}, or such higher amount as may be appropriate in the case of an established pattern or practice of such failures ; [ 1 ] or ( iv ) in the case of an individual action relating to a credit transaction not under an open end credit plan that is secured by real property or a dwelling, not less than {$400.00} or greater than {$4000.00} ; or ( B ) in the case of a class action, such amount as the court may allow, except that as to each member of the class no minimum recovery shall be applicable, and the total recovery under this subparagraph in any class action or series of class actions arising out of the same failure to comply by the same creditor shall not be more than the lesser of {>= $1,000,000} or 1 per centum of the net worth of the creditor ; ( 3 ) in the case of any successful action to enforce the foregoing liability or in any action in which a person is determined to have a right of rescission under section 1635 or 1638 ( e ) ( 7 ) of this title, the costs of the action, together with a reasonable attorneys fee as determined by the court ; and ( 4 ) in the case of a failure to comply with any requirement under section 1639 of this title, paragraph ( 1 ) or ( 2 ) of section 1639b ( c ) of this title, or section 1639c ( a ) of this title, an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material.In determining the amount of award in any class action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditors failure of compliance was intentional. In connection with the disclosures referred to in subsections ( a ) and ( b ) of section 1637 of this title, a creditor shall have a liability determined under paragraph ( 2 ) only for failing to comply with the requirements of section 1635 of this title, 1637 ( a ) [ 2 ] of this title, or any of paragraphs ( 4 ) through ( 13 ) of section 1637 ( b ) of this title, or for failing to comply with disclosure requirements under State law for any term or item that the Bureau has determined to be substantially the same in meaning under section 1610 ( a ) ( 2 ) of this title as any of the terms or items referred to in section 1637 ( a ) of this title, or any of paragraphs ( 4 ) through ( 13 ) of section 1637 ( b ) of this title. In connection with the disclosures referred to in subsection ( c ) or ( d ) of section 1637 of this title, a card issuer shall have a liability under this section only to a cardholder who pays a fee described in section 1637 ( c ) ( 1 ) ( A ) ( ii ) ( I ) or section 1637 ( c ) ( 4 ) ( A ) ( i ) of this title or who uses the credit card or charge card. In connection with the disclosures referred to in section 1638 of this title, a creditor shall have a liability determined under paragraph ( 2 ) only for failing to comply with the requirements of section 1635 of this title, of paragraph ( 2 ) ( insofar as it requires a disclosure of the amount financed ), ( 3 ), ( 4 ), ( 5 ), ( 6 ), or ( 9 ) of section 1638 ( a ) of this title, or section 1638 ( b ) ( 2 ) ( C ) ( ii ) of this title, of subparagraphs ( A ), ( B ), ( D ), ( F ), or ( J ) of section 1638 ( e ) ( 2 ) of this title ( for purposes of paragraph ( 2 ) or ( 4 ) of section 1638 ( e ) of this title ), or paragraph ( 4 ) ( C ), ( 6 ), ( 7 ), or ( 8 ) of section 1638 ( e ) of this title, or for failing to comply with disclosure requirements under State law for any term which the Bureau has determined to be substantially the same in meaning under section 1610 ( a ) ( 2 ) of this title as any of the terms referred to in any of those paragraphs of section 1638 ( a ) of this title or section 1638 ( b ) ( 2 ) ( C ) ( ii ) of this title. With respect to any failure to make disclosures required under this part or part D or E of this subchapter, liability shall be imposed only upon the creditor required to make disclosure, except as provided in section 1641 of this title. \n\n\n( d ) Liability in transaction or lease involving multiple obligors When there are multiple obligors in a consumer credit transaction or consumer lease, there shall be no more than one recovery of damages under subsection ( a ) ( 2 ) for a violation of this subchapter. \n( e ) Jurisdiction of courts ; limitations on actions ; State attorney general enforcement Except as provided in the subsequent sentence, any action under this section may be brought in any United States district court, or in any other court of competent jurisdiction, within one year from the date of the occurrence of the violation or, in the case of a violation involving a private education loan ( as that term is defined in section 1650 ( a ) of this title ), 1 year from the date on which the first regular payment of principal is due under the loan. Any action under this section with respect to any violation of section 1639, 1639b, or 1639c of this title may be brought in any United States district court, or in any other court of competent jurisdiction, before the end of the 3-year period beginning on the date of the occurrence of the violation. This subsection does not bar a person from asserting a violation of this subchapter in an action to collect the debt which was brought more than XXXX year from the date of the occurrence of the violation as a matter of defense by recoupment or set-off in such action, except as otherwise provided by State law. An action to enforce a violation of section 1639, 1639b, 1639c, 1639d, 1639e, 1639f, 1639g, or 1639h of this title may also be brought by the appropriate State attorney general in any appropriate United States district court, or any other court of competent jurisdiction, not later than 3 years after the date on which the violation occurs. The State attorney general shall provide prior written notice of any such civil action to the Federal agency responsible for enforcement under section 1607 of this title and shall provide the agency with a copy of the complaint. If prior notice is not feasible, the State attorney general shall provide notice to such agency immediately upon instituting the action. The Federal agency may ( 1 ) intervene in the action ; ( 2 ) upon intervening ( A ) remove the action to the appropriate United States district court, if it was not originally brought there; and ( B ) be heard on all matters arising in the action; and ( XXXX ) file a petition for appeal. \n\n\n( f ) Good faith compliance with rule, regulation, or interpretation of Bureau or with interpretation or approval of duly authorized official or employee of Federal Reserve System No provision of this section, section 1607 ( b ) of this title, section 1607 ( c ) of this title, section 1607 ( e ) of this title, or section 1611 of this title imposing any liability shall apply to any act done or omitted in good faith in conformity with any rule, regulation, or interpretation thereof by the Bureau or in conformity with any interpretation or approval by an official or employee of the Federal Reserve System duly authorized by the Bureau to issue such interpretations or approvals under such procedures as the Bureau may prescribe therefor, notwithstanding that after such act or omission has occurred, such rule, regulation, interpretation, or approval is amended, rescinded, or determined by judicial or other authority to be invalid for any reason. \n\n\n- 15 U.S.C. 1635 ( a ) - ( g ), ( i ) ( 1 ) ( 3 ) ( 4 ) : Right to rescind based on inadequate or misleading disclosures under TILA, specifically as it pertains to the right of rescission. XXXX XXXX did not clearly or conspicuously detail anything under the ( TILA ) LAW. \n\n\n( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. \n( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court. \n( c ) Rebuttable presumption of delivery of required disclosures Notwithstanding any rule of evidence, written acknowledgment of receipt of any disclosures required under this subchapter by a person to whom information, forms, and a statement is required to be given pursuant to this section does no more than create a rebuttable presumption of delivery thereof. \n( d ) Modification and waiver of rights The Bureau may, if it finds that such action is necessary in order to permit homeowners to meet bona fide personal financial emergencies, prescribe regulations authorizing the","date_sent_to_company":"2024-10-16T19:34:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"27405","tags":null,"has_narrative":true,"complaint_id":"10475948","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-16T19:33:50.000Z","state":"NC","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":["The finance <em>charge</em> shall not include fees and amounts imposed by third party closing agents ( including settlement agents ( car dealership ), attorneys, and <em>escrow</em> and title companies ) if the creditor does not require the imposition of the <em>charges</em> or the services provided and does not retain the <em>charges</em>."]},"sort":[5.787611,"10475948"]},{"_index":"complaint-public-v1","_id":"10475822","_score":5.781975,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am writing to formally rescind my [ contract/agreement ] for the purchase of the [ XXXX, XXXX, vin number XXXX ], purchased on [ XX/XX/XXXX ] at your [ XXXX XXXX ]. Under the provisions of relevant consumer protection laws and regulations, including but not limited to the Truth in Lending Act ( TILA ), Federal Trade Commission ( FTC ) regulations, and the Consumer Financial Protection Bureau ( CFPB ) guidelines, I am exercising my right to rescind this contract and request a full refund of any amounts paid, in accordance with my rights under the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 ) and related consumer protection statutes. \n\nAfter careful review of the loan documents and disclosures provided by your dealership, I have discovered multiple violations of my rights as a consumer. These violations fall under the following federal consumer laws : 1. **Truth in Lending Act ( TILA ) Violations** : Truth and lending disclosure : Annual percentage rate, finance charge ( ( Sum of all charges ) ), amount financed, any down payment with total payments, total interest from apr. ( amount of credit provided on my behalf ( ( open end credit plan ) ). did not accurately and truthfully follow the ( TILA ) laws.\n\nPrimary tabs ( *definition ) The Truth in Lending Act ( TILA ) is a consumer protection law enacted in 1968 in response to exceedlingy predatory loan practices. P\nrior to the TILA, lenders would use a variety of terminology and forms of lending that manipulated uninformed borrowers. The TILA changed this by requiring a uniform system of disclosures and terminology to be used for lending like credit cards or mortgages. Creditors were required to disclose details like the annual percentage rate and repayments details in a clear way to borrowers or else the borrower may be able to rescind the debt. TILA also limits the amount of late fees creditors can charge. Overall, the TILA since its signing has been updated to respond to changing lending practices to ensure borrowers clearly understand the terms and conditions they agree to. \n\n\n\n\n-15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. \n( b ) Terms of personal property leases The Congress also finds that there has been a recent trend toward leasing automobiles and other durable goods for consumer use as an alternative to installment credit sales and that these leases have been offered without adequate cost disclosures. It is the purpose of this subchapter to assure a meaningful disclosure of the terms of leases of personal property for personal, family, or household purposes so as to enable the lessee to compare more readily the various lease terms available to him, limit balloon payments in consumer leasing, enable comparison of lease terms with credit terms where appropriate, and to assure meaningful and accurate disclosures of lease terms in advertisements. \n- 15 U.S.C. 1602 ( g ), ( j ), ( i ), ( k ), ( p ) : Failed to provide clear and accurate definitions regarding credit terms and conditions at the time of the transaction or beforehand. \n\n15 U.S code 1602 ( g ) : ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter. \n\nIn this Violation I am not liable for any payments or finance charges outside of the initial Consumer credit transaction ( CCT ), as to having open end credit! There is no such evidence of indebtedness to ( me ) The contract will be voided and longer service anything. Rescind the agreement/ contract now. \n\n\n15 U.S code 1602 ( i ) : ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. \n\nI need the car to get my siblings to school and be able to go to work and back home. I can not do that in the face of illegal representation and not fully disclosing the information ( TILA ), who has instructed ( XXXX XXXX ) to do so in congress writing. I need the car so I am able to sustain a life of living. \n\n\n15 U.S code 1602 ( j ) : ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. \n\nI have a right to unlimited credit in the case of being denied credit is a false and inaccurate statement under the consumer law writings. As I am not liable for any of the monthly payments, down payments and extra charges that were not clearly and conspicuously disclosed. \n\n\n15 U.S code XXXX ( k ) : ( k ) The term adequate notice, as used in section 1643 of this title, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. \n\n\nThere was never a point in time that drive time informed me on my right to rescind, which is a violation for not disclosing to me my right Clearly and conspicuously to rescind. \n\n\n15 U.S code 1602 ( p ) : ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. \n\nI was violated by ( XXXX XXXX ) in the misuse of my credit report and information which is a violation. I received no benefits from the extra unlawful charges. This misleading information has led me into losing my job and not being able to get my mothers care needed. \n\n- 15 U.S.C. 1604 ( a ), ( b ) : Violations related to required regulations and guidelines for credit disclosures. They misused my credit which affected me in many statue damages, which damaged my way of living, character and right to obtain more credit. \n\n- 15 U.S.C. 1604 ( a ) : ( a ) Promulgation, contents, etc., of regulations The Bureau shall prescribe regulations to carry out the purposes of this subchapter. Except with respect to the provisions of section 1639 of this title that apply to a mortgage referred to in section 1602 ( aa ) [ 1 ] of this title, such regulations may contain such additional requirements, classifications, differentiations, or other provisions, and may provide for such adjustments and exceptions for all or any class of transactions, as in the judgment of the Bureau are necessary or proper to effectuate the purposes of this subchapter, to prevent circumvention or evasion thereof, or to facilitate compliance therewith. \n\n- 15 U.S.C. 1604 ( b ) : ( b ) Model disclosure forms and clauses ; publication, criteria, compliance, etc. \nThe Bureau shall publish a single, integrated disclosure for mortgage loan transactions ( including real estate settlement cost statements ) which includes the disclosure requirements of this subchapter in conjunction with the disclosure requirements of the Real Estate Settlement Procedures Act of 1974 [ 12 U.S.C. 2601 et seq. ] that, taken together, may apply to a transaction that is subject to both or either provisions of law. The purpose of such model disclosure shall be to facilitate compliance with the disclosure requirements of this subchapter and the Real Estate Settlement Procedures Act of 1974, and to aid the borrower or lessee in understanding the transaction by utilizing readily understandable language to simplify the technical nature of the disclosures. In devising such forms, the Bureau shall consider the use by creditors or lessors of data processing or similar automated equipment. Nothing in this subchapter may be construed to require a creditor or lessor to use any such model form or clause prescribed by the Bureau under this section. A creditor or lessor shall be deemed to be in compliance with the disclosure provisions of this subchapter with respect to other than numerical disclosures if the creditor or lessor ( 1 ) uses any appropriate model form or clause as published by the Bureau, or ( 2 ) uses any such model form or clause and changes it by ( A ) deleting any information which is not required by this subchapter, or ( B ) rearranging the format, if in making such deletion or rearranging the format, the creditor or lessor does not affect the substance, clarity, or meaningful sequence of the disclosure. \nIn accordance with the consumer law i am revoking all of my signatures from ( XXXX XXXX ) and all contracts that ( XXXX XXXX ) illegally obtained and distributed to other furnishers. \n\n- 15 U.S.C. 1605 ( a ) ( 1 ) - ( 6 ), ( c ), ( d ) ( 1 ) - ( 3 ), ( e ) ( 1 ) - ( 6 ) : Improper disclosure of the finance charge, amount financed, and the annual percentage rate ( APR ). In the documents attached to this letter ( Retail installment contract ) It shows extra charges outside of the finance charge which ( CLEARLY STATES ) in title above this statement. I will need full compensation back for all misleading advertisements presented illegally as for non accurate disclosures of documents to be terminated immediately. \n\n\n( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents ( car dealership ), attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.\n\n* Apr, monthly payments ( 2 ) Service or carrying charge. \n\n\n( 3 ) Loan fee, finders fee, or similar charge.\n\n( 4 ) Fee for an investigation or credit report.\n\n( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. \n\n\n\n\n( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. ( extra fees onto of car loan- apart of finance charged ) ( finaced to me on my behalf on the finance charged means it was paid off full. ) - 15 U.S.C. 1605 ( c ) : ( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained. \n\n\n- 15 U.S.C. 1605 ( d ) : ( d ) Items exempted from computation of finance charge in all credit transactions If any of the following items is itemized and disclosed in accordance with the regulations of the Bureau in connection with any transaction, then the creditor need not include that item in the computation of the finance charge with respect to that transaction : ( 1 ) Fees and charges prescribed by law which actually are or will be paid to public officials for determining the existence of or for perfecting or releasing or satisfying any security related to the credit transaction. \n\n\n( 2 ) The premium payable for any insurance in lieu of perfecting any security interest otherwise required by the creditor in connection with the transaction, if the premium does not exceed the fees and charges described in paragraph ( 1 ) which would otherwise be payable.\n\n( 3 ) Any tax levied on security instruments or on documents evidencing indebtedness if the payment of such taxes is a precondition for recording the instrument securing the evidence of indebtedness. \n\n\n- 15 U.S.C. 1605 ( e ) : ( e ) Items exempted from computation of finance charge in extensions of credit secured by an interest in real property The following items, when charged in connection with any extension of credit secured by an interest in real property, shall not be included in the computation of the finance charge with respect to that transaction : ( 1 ) Fees or premiums for title examination, title insurance, or similar purposes. \n( 2 ) Fees for preparation of loan-related documents.\n\n( 3 ) Escrows for future payments of taxes and insurance.\n\n( 4 ) Fees for notarizing deeds and other documents.\n\n( 5 ) Appraisal fees, including fees related to any pest infestation or flood hazard inspections conducted prior to closing.\n\n( 6 ) Credit reports.\n\n- 15 U.S.C. 1606 ( a ) ( 1 ) ( A ) ( B ) ( 2 ), ( b ), ( e ) : Violations in the calculation and disclosure of the APR and other credit terms. \n\n15 U.S. Code 1606 - Determination of annual percentage rate ( a ) Annual percentage rate defined The annual percentage rate applicable to any extension of consumer credit shall be determined, in accordance with the regulations of the Bureau, ( 1 ) in the case of any extension of credit other than under an open end credit plan, as ( A ) that nominal annual percentage rate which will yield a sum equal to the amount of the finance charge when it is applied to the unpaid balances of the amount financed, calculated according to the actuarial method of allocating payments made on a debt between the amount financed and the amount of the finance charge, pursuant to which a payment is applied first to the accumulated finance charge and the balance is applied to the unpaid amount financed; or ( B ) the rate determined by any method prescribed by the Bureau as a method which materially simplifies computation while retaining reasonable accuracy as compared with the rate determined under subparagraph ( A ). [ 1 ] ( 2 ) in the case of any extension of credit under an open end credit plan, as the quotient ( expressed as a percentage ) of the total finance charge for the period to which it relates divided by the amount upon which the finance charge for that period is based, multiplied by the number of such periods in a year. \n\n\n( b ) Computation of rate of finance charges for balances within a specified range Where a creditor imposes the same finance charge for balances within a specified range, the annual percentage rate shall be computed on the median balance within the range, except that if the Bureau determines that a rate so computed would not be meaningful, or would be materially misleading, the annual percentage rate shall be computed on such other basis as the Bureau may be regulation require ( e ) Authorization of tolerances in determining annual percentage rates In the case of creditors determining the annual percentage rate in a manner other than as described in subsection ( d ), the Bureau may authorize other reasonable tolerances.\n\n- 15 U.S.C. 1611 ( 1 ) - ( 3 ) : is held under the Criminal liability for willful and knowing violations of TILA provisions. \n\n15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. \n\n- 15 U.S.C. 1640 ( a ) ( 1 ) - ( 4 ), ( d ) - ( f ) : Civil liability for TILA violations, including statutory damages and legal remedies available to me as a consumer. My credit, person of self, natural character was damaged due to the fact of not being informed clearly and conspicuously on my rights and the finance charge break down. I have lost my daughter and jobs with my truck being repossessed illegally which is a breach of peace a federal law. I have been struggling to get to work do to this outcome of illegal activities. \n\n15 U.S. Code 1640 - Civil liability ( a ) Individual or class action for damages ; amount of award ; factors determining amount of award Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under section 1635 of this title, subsection ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of the failure ; ( 2 ) ( A ) ( i ) in the case of an individual action twice the amount of any finance charge in connection with the transaction, ( ii ) in the case of an individual action relating to a consumer lease under part E of this subchapter, 25 per centum of the total amount of monthly payments under the lease, except that the liability under this subparagraph shall not be less than {$200.00} nor greater than {$2000.00}, ( iii ) in the case of an individual action relating to an open end consumer credit plan that is not secured by real property or a dwelling, twice the amount of any finance charge in connection with the transaction, with a minimum of {$500.00} and a maximum of {$5000.00}, or such higher amount as may be appropriate in the case of an established pattern or practice of such failures ; [ 1 ] or ( iv ) in the case of an individual action relating to a credit transaction not under an open end credit plan that is secured by real property or a dwelling, not less than {$400.00} or greater than {$4000.00} ; or ( B ) in the case of a class action, such amount as the court may allow, except that as to each member of the class no minimum recovery shall be applicable, and the total recovery under this subparagraph in any class action or series of class actions arising out of the same failure to comply by the same creditor shall not be more than the lesser of {>= $1,000,000} or 1 per centum of the net worth of the creditor ; ( 3 ) in the case of any successful action to enforce the foregoing liability or in any action in which a person is determined to have a right of rescission under section 1635 or 1638 ( e ) ( 7 ) of this title, the costs of the action, together with a reasonable attorneys fee as determined by the court ; and ( 4 ) in the case of a failure to comply with any requirement under section 1639 of this title, paragraph ( 1 ) or ( 2 ) of section 1639b ( c ) of this title, or section 1639c ( a ) of this title, an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material.In determining the amount of award in any class action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditors failure of compliance was intentional. In connection with the disclosures referred to in subsections ( a ) and ( b ) of section 1637 of this title, a creditor shall have a liability determined under paragraph ( 2 ) only for failing to comply with the requirements of section 1635 of this title, 1637 ( a ) [ 2 ] of this title, or any of paragraphs ( 4 ) through ( 13 ) of section 1637 ( b ) of this title, or for failing to comply with disclosure requirements under State law for any term or item that the Bureau has determined to be substantially the same in meaning under section 1610 ( a ) ( 2 ) of this title as any of the terms or items referred to in section 1637 ( a ) of this title, or any of paragraphs ( 4 ) through ( 13 ) of section 1637 ( b ) of this title. In connection with the disclosures referred to in subsection ( c ) or ( d ) of section 1637 of this title, a card issuer shall have a liability under this section only to a cardholder who pays a fee described in section 1637 ( c ) ( 1 ) ( A ) ( ii ) ( I ) or section 1637 ( c ) ( 4 ) ( A ) ( i ) of this title or who uses the credit card or charge card. In connection with the disclosures referred to in section 1638 of this title, a creditor shall have a liability determined under paragraph ( 2 ) only for failing to comply with the requirements of section 1635 of this title, of paragraph ( 2 ) ( insofar as it requires a disclosure of the amount financed ), ( 3 ), ( 4 ), ( 5 ), ( 6 ), or ( 9 ) of section 1638 ( a ) of this title, or section 1638 ( b ) ( 2 ) ( C ) ( ii ) of this title, of subparagraphs ( A ), ( B ), ( D ), ( F ), or ( J ) of section 1638 ( e ) ( 2 ) of this title ( for purposes of paragraph ( 2 ) or ( 4 ) of section 1638 ( e ) of this title ), or paragraph ( 4 ) ( C ), ( 6 ), ( 7 ), or ( 8 ) of section 1638 ( e ) of this title, or for failing to comply with disclosure requirements under State law for any term which the Bureau has determined to be substantially the same in meaning under section 1610 ( a ) ( 2 ) of this title as any of the terms referred to in any of those paragraphs of section 1638 ( a ) of this title or section 1638 ( b ) ( 2 ) ( C ) ( ii ) of this title. With respect to any failure to make disclosures required under this part or part D or E of this subchapter, liability shall be imposed only upon the creditor required to make disclosure, except as provided in section 1641 of this title. \n\n\n( d ) Liability in transaction or lease involving multiple obligors When there are multiple obligors in a consumer credit transaction or consumer lease, there shall be no more than one recovery of damages under subsection ( a ) ( 2 ) for a violation of this subchapter. \n( e ) Jurisdiction of courts ; limitations on actions ; State attorney general enforcement Except as provided in the subsequent sentence, any action under this section may be brought in any United States district court, or in any other court of competent jurisdiction, within one year from the date of the occurrence of the violation or, in the case of a violation involving a private education loan ( as that term is defined in section 1650 ( a ) of this title ), 1 year from the date on which the first regular payment of principal is due under the loan. Any action under this section with respect to any violation of section 1639, 1639b, or 1639c of this title may be brought in any United States district court, or in any other court of competent jurisdiction, before the end of the 3-year period beginning on the date of the occurrence of the violation. This subsection does not bar a person from asserting a violation of this subchapter in an action to collect the debt which was brought more than one year from the date of the occurrence of the violation as a matter of defense by recoupment or set-off in such action, except as otherwise provided by State law. An action to enforce a violation of section 1639, 1639b, 1639c, 1639d, 1639e, 1639f, 1639g, or 1639h of this title may also be brought by the appropriate State attorney general in any appropriate United States district court, or any other court of competent jurisdiction, not later than 3 years after the date on which the violation occurs. The State attorney general shall provide prior written notice of any such civil action to the Federal agency responsible for enforcement under section 1607 of this title and shall provide the agency with a copy of the complaint. If prior notice is not feasible, the State attorney general shall provide notice to such agency immediately upon instituting the action. The Federal agency may ( 1 ) intervene in the action ; ( 2 ) upon intervening ( A ) remove the action to the appropriate United States district court, if it was not originally brought there; and ( B ) be heard on all matters arising in the action; and ( 3 ) file a petition for appeal. \n\n\n( f ) Good faith compliance with rule, regulation, or interpretation of Bureau or with interpretation or approval of duly authorized official or employee of Federal Reserve System No provision of this section, section 1607 ( b ) of this title, section 1607 ( c ) of this title, section 1607 ( e ) of this title, or section 1611 of this title imposing any liability shall apply to any act done or omitted in good faith in conformity with any rule, regulation, or interpretation thereof by the Bureau or in conformity with any interpretation or approval by an official or employee of the Federal Reserve System duly authorized by the Bureau to issue such interpretations or approvals under such procedures as the Bureau may prescribe therefor, notwithstanding that after such act or omission has occurred, such rule, regulation, interpretation, or approval is amended, rescinded, or determined by judicial or other authority to be invalid for any reason. \n\n\n- 15 U.S.C. 1635 ( a ) - ( g ), ( i ) ( 1 ) ( 3 ) ( 4 ) : Right to rescind based on inadequate or misleading disclosures under TILA, specifically as it pertains to the right of rescission. XXXX XXXX did not clearly or conspicuously detail anything under the ( TILA ) LAW. \n\n\n( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. \n( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court. \n( c ) Rebuttable presumption of delivery of required disclosures Notwithstanding any rule of evidence, written acknowledgment of receipt of any disclosures required under this subchapter by a person to whom information, forms, and a statement is required to be given pursuant to this section does no more than create a rebuttable presumption of delivery thereof. \n( d ) Modification and waiver of rights The Bureau may, if it finds that such action is necessary in order to permit homeowners to meet bona fide personal financial emergencies, prescribe regulations authorizing the modification or waiver of any","date_sent_to_company":"2024-10-16T19:19:51.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"27405","tags":null,"has_narrative":true,"complaint_id":"10475822","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2024-10-16T18:54:50.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["The finance <em>charge</em> shall not include fees and amounts imposed by third party closing agents ( including settlement agents ( car dealership ), attorneys, and <em>escrow</em> and title companies ) if the creditor does not require the imposition of the <em>charges</em> or the services provided and does not retain the <em>charges</em>."]},"sort":[5.781975,"10475822"]},{"_index":"complaint-public-v1","_id":"3448596","_score":5.5643873,"_source":{"product":"Mortgage","complaint_what_happened":"Good Evening, My husband and I closed on a rate reduction VA loan through JG Wentworth on XX/XX/XXXX. Everything went fine up to that point. I received two different notifications in the mail for the first payment, one from JG Wentworth and one from Freedom Mortgage. Which by my understand Freedom Mortgage just assume JG Wentworth so they are under the same umbrella. I mailed the payment for XXXX 's mortgage as instructed by my loan officer and the letter I received in the mail from JG Wentworth,  then after I mailed it, I received a letter from Freedom Mortgage to send the payment to them. The check in the amount of {$1200.00} was cashed on XX/XX/XXXX. I then followed up with a phone call to Freedom Mortgage Customer Service and they first said that I would get a late fee and so on, after being extremely frustrated and I stated again that we just closed on our rate reduction on XX/XX/XXXX and this was our first payment, her story changed. I then contacted our loan officer again, which he contacted the folks at JG Wentworth and I received an email from him stating, \" XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX  to me You are all set. See below. \n\nPlease see the screen shot below that indicates we received a payment of {$1000.00} on XX/XX/XXXX along with a principal curtailment of {$150.00} posted the same date. This loan is scheduled to transfer to Freedom Mortgage on XX/XX/XXXX and since this payment received by us represented the XXXX mortgage payment we will reverse the payment and principal payment and send the monies to Freedom on XX/XX/XXXX. Please allow at least 10 business days to see these funds posted to the Freedom account. \n\nThanks, XXXX Loan Activity Loan Number : XXXX as of XX/XX/XXXX Property Address : XXXX XXXX XXXX XXXX, VA XXXX Borrower Name : XXXX XXXX XXXX Name : XXXX XXXX XXXX Telephone Number : Other Telephone Number : ( XXXX ) XXXX Balances : Principal Balance {$200000.00} Escrow Balance {$710.00} Unpaid Late Charges : {$0.00} Unapplied Funds : {$0.00} Disclosure : The transactions displayed within the payment history reflect funds that you have paid and do not necessarily represent funds that are due. \n\nDue Date Effective Date Description Principal Interest Escrow Amount Paid Escrow Balance Principal Balance XX/XX/XXXX XX/XX/XXXX Principal Curtailment {$150.00} {$0.00} {$0.00} {$150.00} {$710.00} {$200000.00} XX/XX/XXXX XX/XX/XXXX Irregular/Non-Coupon Payment {$320.00} {$590.00} {$170.00} {$1000.00} {$710.00} {$200000.00} XX/XX/XXXX XX/XX/XXXX Initial Escrow Deposit, Closing Interest, Buydown {$0.00} {$0.00} {$530.00} {$530.00} {$530.00} {$200000.00} XX/XX/XXXX Non-Cash Balance Adjustment {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$200000.00} XX/XX/XXXX New Loan Set-Up $ XXXX {$0.00} {$0.00} {$0.00} {$0.00} {$200000.00} XXXX XXXX Dont keep me a secretI love referrals! It is the best compliment I can receive. \n\nXXXX XXXX XXXX. XXXX XXXX NMLS # XXXX Cell : XXXX eFax : XXXX \" Per the above email, the payment was set to transfer to Freedom Mortgage on XX/XX/XXXX. I waited, no payment has yet to post to my account. I then tried to email Freedom through the Mortgage portal but their system on XX/XX/XXXX but the portal is only set to send a certain amount of characters via the message portal and I could not get an entire message through as I want this in writing since my payment still has not been posted to my account and I have proof of the check being cashed through my financial institution. I then emailed my loan officer again on XX/XX/XXXX, this exact message, \" Hey! Sorry to bug you about this again but this is making me nervous. Can you please help me find out why Freedom have our payment yet? I got notification of the Escrow transfer but being my XXXX mortgage is creeping up I don't want to be months behind and I'd like to set up auto draft, but if I do, it will take two months out instead of one on XX/XX/XXXX if payment isn't received yet. \n\nThank you! \nXXXX '' After I sent this email, he forwarded my email to upper management in his organization and this is the response that he received ; \" From : XXXX XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX XXXX Servicing Transfers XXXX ; Servicing XXXX ; XXXX XXXX XXXX ; Servicing XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Re : Urgent 2nd issue with Borrower and servicing During any transfer of servicing federal regulations prevent lenders from reporting late payments to any credit reporting agency for a period of 60 days. We will continue to pursue the posting of this payment to its correct location. The staff of Freedom, JGW and XXXX has been alerted multiple times in regards to discovering the location of said payment. \n\nWe will also take into consideration the transfer of the funds sufficient evidence to waive any late charge that could come as a result of this payment being posted after the date designated as the late charge cut off date. \n\nThanks XXXX XXXX XXXX Vice President Agency Relations, Servicing Freedom Mortgage Corp. \n\nXXXXXXXX XXXX XXXX. XXXX '' After receiving this email, I was VERY unhappy that they do not seem to care to find my payment after I received in writing via email that my payment was to be transferred on XX/XX/XXXX. \n\nThis was my response and I emailed EVERYONE in that email chain ; \" -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXX, XXXX PM Subject : XXXX - Mortgage and Extremely Unhappy Customer To : XXXX XXXX XXXX, Servicing Transfers XXXX, Servicing XXXX, XXXX XXXX XXXX, Servicing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Cc : XXXX XXXX XXXX Cc XXXX XXXX XXXX XXXX Good Afternoon, I am writing as I was informed again by my Mortgage Officer, this has yet to be handled. \n\n\nI do not understand why someone can not locate my {$1200.00} check that was sent to JG Wentworth and get it posted to the correct account at Freedom Mortgage. I deal with customers and accounts daily in the Property Management world which I understand is different from the mortgage world BUT I do not find this acceptable nor professional that I keep get putting on the back burner and I tell you what is more alarming, my husband that does not get involved with things like this often, made a comment recently, unless XXXX is with another organization in the future, we WILL NOT be using this company AGAIN for anything. Another thing I find unacceptable is that this is the 3rd time someone from JG Wentworth/Freedom has made the comment about our credit. I guarantee, if this was your mortgage, you would be as concerned as I. I have contacted Freedom once, then XXXX twice. \n\n\n\nRegardless of the rate reduction and XXXX, if I knew my husband and I were not going to get the same service that we received from our prior mortgage company, I would not have pushed to do this at all and stayed with our prior lender. Buying a house with a VA Loan as a first time home buyer was less stressful than getting our first payment to the correct location with JG Wentworth/Freedom. \n\n\nI need this resolved ASAP, my next step is getting someone else on the phone higher than all of you that can actually handle this. I wrote this check almost 30 days ago and if JG Wentworth and Freedom are under the same umbrella and can not get this resolved, I certainly do not feel comfortable for this said company to handle my mortgage. I expect this to be resolved and my Freedom Mortgage account to read a current zero balance by the end of this week or I would like an executives phone number to speak with to let them know that no one seems to be competent enough other than my mortgage officer to handle this situation and he himself, can not fix this. \n\n\nPlease get back to me in writing as I need this for documentation purposes and I need to know if I need to go to report fraud. As you can expect, my trust level is very low and I need to know where my payment is and hope it's not in someones pocket. \n\n\n\nThank you for getting this handled and stop pushing me to the back. My mortgage is just as important as the rest of the customers. \n\n\n\nSincerely, XXXX XXXX XXXX, XXXX, XXXX Call or Text XXXX Email XXXX Let 's connect on XXXX XXXX XXXX! \" I have yet to receive a response. I then emailed customer service at Freedom on XX/XX/XXXX with the email above and all their email addresses to only receive an email to ask my address or social to confirm my account and due to security reasons, I sent my address back and still no response as of XX/XX/XXXX. This is the chain I sent to Freedom Mortgage Customer Service on XX/XX/XXXX ; \" CustomerCare Thu, XX/XX/XXXX, XXXX PM ( 2 days ago ) to me Dear Borrower, Thank you for contacting Freedom Mortgage 's Customer Care Department. We apologize that we have been unable to locate the account based on the information provided. Please provide the loan number or any identifying information of the account ( e.g. property address or SSN ) as well as a phone number where you can be reached and the hours you are available. Upon receipt, we will ensure we get this in the right hands for resolution. \n\n\n\nWhen responding, please send correspondence to XXXX to ensure a timely resolution. \n\n\n\nImportant! Please reattach documents with your reply. \n\nPlease resend your document in a PDF or Word format and attach it to the email, as we are unable to access any outside links. \n\n\n\nYou may also access your loan information at your convenience, 24 hours a day, 7 days a week! Simply log on to our website at www.freedommortgage.com or call our automated phone system at XXXX XXXX XXXX XXXX. Customer Care representatives are available to assist you Monday through Friday from XXXX XXXX and Saturday from XXXX XXXX XXXX XXXX. They will be able to answer any loan related questions you may have. \n\n\n\nSincerely, Customer Care Department Freedom Mortgage Corporation From : XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX  To : CustomerCare XXXX Cc : XXXX Subject : XXXX XXXX : XXXX - Mortgage and Extremely Unhappy Customer After emailing all those individuals below, I have yet to hear back from them. I also forwarded this same email to Freedom Customer Service same say and yet to even get an acknowledgement from anyone. \n\n\n\nPlease advise as I will start emailing daily. I need to know if this needs to be reported to my bank as the check being missing. \n\n\n\nThank you. \n\n\n\n-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXX, XXXX PM Subject : XXXX - Mortgage and Extremely Unhappy Customer To : XXXX XXXX XXXX, Servicing Transfers XXXX, Servicing XXXX, XXXX XXXX XXXX, Servicing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Cc : XXXX XXXX XXXX Cc XXXX XXXX XXXX XXXX Good Afternoon, I am writing as I was informed again by my Mortgage Officer, this has yet to be handled. \n\nI do not understand why someone can not locate my {$1200.00} check that was sent to JG Wentworth and get it posted to the correct account at Freedom Mortgage. I deal with customers and accounts daily in the Property Management world which I understand is different from the mortgage world BUT I do not find this acceptable nor professional that I keep get putting on the back burner and I tell you what is more alarming, my husband that does not get involved with things like this often, made a comment recently, unless XXXX is with another organization in the future, we WILL NOT be using this company AGAIN for anything. Another thing I find unacceptable is that this is the 3rd time someone from JG Wentworth/Freedom has made the comment about our credit. I guarantee, if this was your mortgage, you would be as concerned as I. I have contacted Freedom once, then XXXX twice. \n\n\n\nRegardless of the rate reduction and XXXX, if I knew my husband and I were not going to get the same service that we received from our prior mortgage company, I would not have pushed to do this at all and stayed with our prior lender. Buying a house with a VA Loan as a first time home buyer was less stressful than getting our first payment to the correct location with JG Wentworth/Freedom. \n\nI need this resolved ASAP, my next step is getting someone else on the phone higher than all of you that can actually handle this. I wrote this check almost 30 days ago and if JG Wentworth and Freedom are under the same umbrella and can not get this resolved, I certainly do not feel comfortable for this said company to handle my mortgage. I expect this to be resolved and my Freedom Mortgage account to read a current zero balance by the end of this week or I would like an executives phone number to speak with to let them know that no one seems to be competent enough other than my mortgage officer to handle this situation and he himself, can not fix this. \n\nPlease get back to me in writing as I need this for documentation purposes and I need to know if I need to go to report fraud. As you can expect, my trust level is very low and I need to know where my payment is and hope it's not in someones pocket. \n\n\n\nThank you for getting this handled and stop pushing me to the back. My mortgage is just as important as the rest of the customers. \n\n\n\nSincerely, XXXX XXXX XXXX, CAM, XXXX XXXX or Text XXXX Email XXXX XXXX 's connect on XXXX XXXX XXXX! \n\n\n\n\n\nCONFIDENTIALITY NOTICE : This e-mail message, including all attachments, is for the sole use of the intended recipient ( s ) and may contain confidential information. Any unauthorized review, use, disclosure, alteration or distribution is strictly prohibited and may violate state or federal law. If you are not the intended recipient, please contact the sender by reply e-mail, delete this email and destroy all copies of the message. '' Still no response except for the auto response you receive when emailing customer service. \n\nBeing that this is a VA Loan, you would think that this organization that supposedly prides themselves as being on the side of veterans, but obviously they do not care about any of their customers. I have a copy of the cashed check from my financial institution and can send screenshots to you as well showing the mortgage payment I made 30 days ago still has yet to be transferred and posted to my account as it was stated on XX/XX/XXXX by my original loan officer who has gone above and beyond to attempt to assist us but JG Wentworth & Freedom Mortgage 23 days after the aforesaid date that the money was to be transferred to my account, has not. I am scared to death that my mortgage payment is in someone's pocket since no one will answer me via email and my payment is not posted. Did they lose my payment? That is what it looks like to me and now, we are looking at possible late payments. I do not find it fair that mine and my husbands credit that we worked very hard for to possible suffer due to the incompetence of this mortgage company. If we knew they were not a competent organization, we would have never done this. I am reaching out to you to please help us as I do not know where else to turn and we can not get an answer from anyone. Do we call the police? Report fraud with our bank? Please help us. \n\nThank you, XXXX XXXX XXXX XXXX **After copying/pasting emails above, I saw the below attachment area, I can save each email as a PDF if need be and send, please advise. XXXX","date_sent_to_company":"2019-11-24T06:34:51.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"230XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3448596","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2019-11-24T00:57:12.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Please <em>allow</em> at least 10 business days to see these funds posted to the Freedom account."]},"sort":[5.5643873,"3448596"]},{"_index":"complaint-public-v1","_id":"15430067","_score":4.5661316,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I AM A XXXX XXXX  XXXX VETERAN WHO FOUGHT THE RIGHTS OF THIS COUNTRY. I HAVE GIVEN UP ALOT FOR THIS UNITED STATES XXXX, AND STILL I HAVE TO FACE SUCH XXXX HATE ON AN AI LEVEL. THIS IS TRULY INSANE AND A HUMAN OUTRAGE THAT A XXXX CULTURE WOULD STOOP SO LOW AS TO ATTACK ITS OWN CITIZENS WITH INTERNET CONSPIRACY 18 USC Section 241 [ CONSPIRACY TO COMMIT HARM TO MINORITIES WITH ANOTHER ENTITY ]. SHAME ON ALL THREE FACTIOUS GOVERNMENT CREDIT REPORTING AGENCYS, AND CFPB WHO SUPPOSIVELY IS TO MONITOR THESE XXXX  ENTITY 'S. I SUFFER FROM XXXX XXXX XXXX FROM BEING XXXX MILES FROM THE XXXX XXXX XXXX XXXX  AND WILL NOT TOLERATE YOUR XXXX  XXXX USING AI FOR YOUR PERSONAL TOOL. WE ARE XXXX XXXX XXXX XXXX I APPLIED FOR A XXXX XXXX XXXX ON THE XXXX OF XX/XX/XXXX WITH XXXX XXXX XXXX XXXX ONLY TO BE OFFERED A CREDIT LIMIT OF {$500.00} WITH SCORES OF XXXXXXXX XXXX XXXX XXXXXXXX EQUIFAX, XXXXXXXX XXXX I CALLED THE RECONSIDERATION DIVISION AND INFORMED THEM THAT I NEVER APPLIED FOR A XXXX XXXX XXXX XXXX  AND THAT I NEVER SIGNED ANY PAPERWORK FOR A XXXX XXXX XXXX AND THAT IT WOULD NOT BE ACTIVATED, ONLY TO BE SPOKEN TO AS IF I WAS A XXXX. THE AGENT STATED THAT THAT WAS WHAT THEY AGREED ON FOR APPROVAL. MIND YOU I HAVE 0 % DEBT TO INCOME, NO MORTGAGE LOANS, NO AUTO LOANS, ALL DEBT PAID IN FULL, OVER XXXX ACCOUNTS. I REPORTED THIS TO A SUPERVISOR HOW I WAS SPOKEN TO AND THE SITUATION AND HE INFORMED ME THAT THIS WOULD BE INTERNALLY INVESTIGATED. XXXX XXXX XXXX XXXX HAS TRANSFERED MONIES FROM A CREDIT CARD THAT WAS NEVER ACTIVATED, AND I NEVER RECEIVED A PHYSICAL CARD IN THE MAIL, NOR HAVE I REQUESTED PAYMENT FOR XXXX XXXX XXXX XXXX TO PAY A CREDIT CARD BALANCE OF {$500.00} OR {$500.00} FOR A XXXX CREDIT CARD IN AMOUNT OF {$500.00} OR {$500.00}. THE DATE TODAY IS XXXX XX/XX/XXXX AND THIS FACTIOUS TRANSFER ACCURED ON THE XXXX XX/XX/XXXX, AFTER EVERYTHING THAT HAS HAPPENED THIS HAPPENS AFTER I TRANSFERED ALL MY MONIES TO ANOTHER BANK. THE ACCOUNT THAT XXXX XXXX XXXX XXXX CLAIMS I TRANSFERED A BALANCE TO AT XXXX WAS CLOSED ON THE XXXX XX/XX/XXXX. ALSO THAT CREDIT CARD HAD A BALANCE OF {$0.00} DOLLARS. \n1. The Fraud Act XXXX6 2. The Criminal Finances Act XXXX 3.The Torts Act XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Financial Services Act XXXX XXXX. The Misrepresentation Act XXXX  XXXX. The Malacious Communications Act XXXX XXXX. The Data Protection Act XXXX XXXX. The Protection from Harrassment Act XXXX 12. The Theft Act XXXX 13. The Bills of Exchange Act XXXX XXXX. The Proceeds of Crime Act XXXX Deception That I created a security instrument/Promissory Note that the bank accepted my created Promissory note as cash That the note was added to the bank 's ledger as an asset That the bank sold it on the securities market as an original issue That the bank engaged an insurance policy to cover potential failure of the account. \nThat the bank was engaged in a conflict of interests That the bank made profit on sale of said security That the bank did not move any money/credit from thier own assets into my credit account That the bank collected monthly payments in service of the alleged debt That the bank charged interest on the alleged debt ( Usury ) 14th Amendment to the U.S. Constitution : Civil Rights ( XXXX ) Passed by Congress XX/XX/XXXX, and ratified XX/XX/XXXX, the XXXX XXXX extended liberties and rights granted by the Bill of Rights to formerly enslaved people. \n\nAMENDMENT XIV Section 1.\n\nAll persons born or naturalized in the United States, and subject to the jurisdiction thereof, are citizens of the United States and of the State wherein they reside. No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws.\n\nSection 4. \nThe validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void. \n\nThis whole contract has been Very Detrimental to my Health and Mentally Abusive to my CONSCIENCE!!! 369 15 U.S. Code 1692e - False or misleading representations : Seems like conspiracy against rights to me!!! XXXX VIOLATIONS : Excessive Taxes On Escrow. \nMISREPRESENTATION DURING LOAN PROCESS LOAN IS SETUP FOR THE FAILURE OF THE BORROWER WHICH THE ROLES OF THE BORROWER AND LENDER HAVE BEEN REVERSED ON ALMOST ALL MORTGAGE LOANS XXXX!!!!!!!! ! XXXX VIOLATIONS AS FOLLOWS : THIS ENTITY NEVER PUT UP EQUAL VALUE OF THIS CONSUMER TRADE DEAL!!!!! ! XXXX WHICH IS CALLED MISLEADING AND MISREPRESENTATION!!!!!!!!! XXXX This In Fact Is A Quasi-Contract \" XXXX XXXX XXXX XXXX XXXX XXXX  ''. \n\nThe Duty of Care Causation Remoteness of Damage Concealment Vicarious Liability Defamation The Economic Crime ( Transparency and Enforcement ) Act XXXX Selling of Information Over the Internet ( Concealment ) Fraud By Non-Disclosure Negligence UNJUST ENRICHMENT!!!!!!!! ! XXXX Enticement To XXXX  Data Protection Act IMAGINARY CONTRACT [ ULTRA VIRES ] XXXX. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.\n\n( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. \n\nXXXX XXXX  Laws Revised Statutes Title XXXX - Motor Vehicles and Traffic Regulation XXXX. Deposit and down payment disclosure and delivery of vehicle pending the sale Universal Citation : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and is not necessarily the official citation. \n\nXXXX XXXX XXXX - Deposit and down payment disclosure and delivery of vehicle pending the sale A. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a deposit on a used motor vehicle, the used motor vehicle dealer is required to provide a statement that the deposit given is on an agreement to purchase, and not an actual sale. The agreement shall clearly state that no transaction has actually occurred, that no sales documents have been completed, and that the deposit is merely intended as a hold on a vehicle. \nB. In every transaction between a used motor vehicle dealer and a customer in which the customer provides a down payment for the purchase of a used motor vehicle, the used motor vehicle dealer is required to provide, either on the bill of sale, or by separate agreement, a statement that the sale is conditioned upon certain identifiable events, such as financing or obtaining state-mandated compulsory automobile insurance.\n\nC. In every transaction between a used motor vehicle dealer and a customer in which the customer provides either a down payment or a deposit for the purchase of a used motor vehicle, the used motor vehicle dealer shall complete a disclosure statement containing the terms and conditions of the transaction, including but not limited to the following : ( 1 ) The amount of the deposit or down payment.\n\n( 2 ) Whether the money given is either a deposit or down payment.\n\n( 3 ) Terms and conditions for return or forfeiture of the customer 's deposit or down payment.\n\n( 4 ) A time limit in which to complete the transaction not to exceed twenty days.\n\n( 5 ) A complete description of the motor vehicle to be sold including the make, model, year, and any identification and serial numbers.\n\n( 6 ) The price of the vehicle and a description of the vehicle including the make, model, year, identification, and serial number and its condition.\n\n( 7 ) The amount of the trade-in allowance and a description of the trade-in vehicle including the make, model, year, identification, and serial number and its condition.\n\nD. If the dealer allows the customer to take delivery on a vehicle which is the subject of either a deposit or a down payment, a pre-delivery sale disclosure statement from the dealer and the customer shall include the following : ( 1 ) A condition report which clearly identifies any noticeable damage to the vehicle before it is released to the customer.\n\n( 2 ) A statement that if the dealer withdraws from the agreement to purchase, the customer will be responsible only for damages beyond normal wear and tear occurring during the customer 's use of the vehicle, the amount of which may be deducted from the deposit or down payment.\n\n( 3 ) A statement that if the customer withdraws from the agreement to purchase, the customer shall be responsible not only for damages occurring during the customer 's use of the vehicle but also for usage of the vehicle at a day rate not to exceed twenty-five dollars per day and thirty-five cents per mile, which may be deducted from the deposit or down payment. A customer shall be considered as having withdrawn from the agreement if the customer intentionally provided false or fraudulent information to the dealer in connection with the transaction.\n\n( 4 ) A statement that if the customer either withdraws from the agreement to purchase or fails to return the vehicle at the expiration of the term of the agreement, the dealer may seek repossession of the vehicle by any lawful means.\n\n( 5 ) A statement that if the dealer withdraws from the agreement to purchase that the dealer must give written notice, by certified or registered mail, to the customer at least five days prior to taking repossession of the vehicle which may be done by any lawful means, and only upon return of the deposit in accordance with this Section.\n\nE. It shall be unlawful and constitute a violation of this Chapter for any used motor vehicle dealer to fail to follow any of the provisions of this Section. \nActs 2014, No. 423, 1 ; Acts 2016, No. 288, 1. 18 US\nC Section 241 Conspiracy Against Rights Section 241 makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the UnitedStates or because of his or her having exercised such a right. \nUnlike most conspiracy statutes, 241 doesnotrequire, as an element, the commission of an overt act. \n\nThe offense is always a felony, even if the underlying conduct would not, on its own, establish a felony violation of another criminal civil rights statute. It is punishable by up to ten years imprisonment unless the government proves an aggravating factor ( such as that the offense involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in which case it may be punished by up to life imprisonment and, if XXXX  results, may be eligible for the dXXXX XXXX. \n\n28 U.S. Code 3002 ( 3 ) Debt means ( A ) an amount that is owing to theUnited Stateson account of a direct loan, or loan insured or guaranteed, by theUnited States ; or ( B ) an amount that is owing to theUnited Stateson account of a fee, duty, lease, rent, service, sale of real or personalproperty, overpayment, fine, assessment, penalty, restitution, damages, interest, tax, bail bond forfeiture, reimbursement, recovery of a cost incurred by theUnited States, or other source of indebtedness to theUnited States, but that is not owing under the terms of a contract originally entered into by onlypersonsother than theUnited States.\n\n( 4 ) Debtor means apersonwho is liable for adebtor against whom there is a claim for adebt.\n\n( 10 ) Personincludesa naturalperson ( includingan individual Indian ), a corporation, a partnership, an unincorporated association, a trust, or an estate, or any other public or private entity, includingaStateor local government or an Indian tribe.\n\n( 11 ) Prejudgment remedy means the remedy of attachment, receivership, garnishment, or sequestration authorized by this chapter to be granted beforejudgmenton the merits of a claim for adebt.\n\n( 12 ) Propertyincludesany present or future interest, whether legal or equitable, in real, personal ( includingchoses in action ), or mixedproperty, tangible or intangible, vested or contingent, wherever located and however held ( includingcommunitypropertyandpropertyheld in trust ( includingspendthrift and pension trusts ).\n\n( 14 ) State means any of the severalStates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or any territory or possession of theUnited States.\n\n( 15 ) United States means ( A ) a Federal corporation ; ( B ) an agency, department, commission, board, or other entity of theUnited States ; or ( C ) an instrumentality of theUnited States.\n\nArt VI.C1.1 Debts and Engagements Clause All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress , before the assembling of the United States , in pursuance of the present confederation, shall be deemed and considered as a charge against the United States , for payment and satisfaction whereof the said United States , and the public faith are hereby solemnly pledged.\n\nFourteenth Amendment, Section 4 : The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void.\n\nUNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. \n\nARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. \nI AM THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 18 U.S.C. 241, also known as the Conspiracy Against Rights statute, makes it a federal crime for two or more people to conspire to injure, oppress, threaten, or intimidate someone in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the United States.This includes both rights explicitly granted by the Constitution and those created by federal statutes. \nRegulation Z, also known as the Truth in Lending Act ( TILA ) of 1968, is a federal law that protects consumers from unfair credit practices and promotes transparency in lending.It requires lenders to disclose loan terms and costs clearly, including all fees and charges.The Consumer Financial Protection Bureau has overseen TILA since XXXX.Here 's how Regulation Z protects consumers : Disclosure : Lenders must disclose interest rates and all loan and credit terms in clear language.\n\nLoan cancellation : Borrowers can cancel certain types of loans.\n\nRate caps : Regulation Z sets rate caps on some dwelling-secured loans.\n\nHome equity lines of credit : Regulation Z limits home equity lines of credit.\n\nClosed-end home mortgages : Regulation Z limits certain closed-end home mortgages.\n\nRescission rights : Regulation Z provides consumers with rescission rights.\n\nUnfair practices : Regulation Z prohibits unfair or deceptive mortgage lending practices.\n\nRegulation E ( Reg E ) is a federal regulation that protects consumers from incorrect or fraudulent electronic fund transfers ( EFTs ) .It establishes rules for EFTs, including debit card transactions, ATM transfers, and electronic payments.Reg E also outlines the responsibilities of financial institutions involved in EFTs.Here 's what Reg E covers : Consumer protection Limits consumer liability for lost or stolen debit cards, and provides a process for disputing unauthorized or erroneous EFTs.Reporting a lost or stolen debit card sooner reduces maximum liability for unauthorized charges. \nFinancial institution responsibilities Outlines the responsibilities of financial institutions that participate in EFTs.\n\nTransaction coverage Applies to any EFT that authorizes a financial institution to debit or credit a consumer 's account.This includes ATM transactions, debit card transactions, direct deposits, electronic bill payments, and person-to-person payments. \nCredit union statements Requires credit unions to send a periodic statement to members in each monthly cycle where an EFT occurs.\n\nEFTA Dispute Settlement : In XX/XX/XXXX, XXXX XXXX agreed to a {$1.00} XXXX settlement in a class-action lawsuit alleging violations of the Electronic Fund Transfer Act, according XXXX XXXX XXXX XXXX This case involved a member whose fraud claim was allegedly wrongfully denied. The settlement is pending preliminary approval.","date_sent_to_company":"2025-08-21T23:03:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"15430067","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-21T23:02:30.000Z","state":"LA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["a lost or stolen debit card sooner reduces maximum liability for <em>unauthorized</em> <em>charges</em>."]},"sort":[4.5661316,"15430067"]},{"_index":"complaint-public-v1","_id":"22222473","_score":3.358663,"_source":{"product":"Mortgage","complaint_what_happened":"Wells Fargo Home Mortgage Co and XXXX XXXX XXXX XXXX XXXX XXXX. \nList of Reported Errors Consumer / Mortgage Holder Name : XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Loan Number : XXXX Mortgage Origination Date : XX/XX/XXXX Timeline of Wells Fargo Home Mortgage Company and / or XXXX XXXX XXXX XXXX XXXX XXXX errors/ actions/ damages EXECUTIVE SUMMARY OF COMPLAINT * The Core Issue : A \" Manufactured Default '' occurred when the servicer flipped a protected Hurricane XXXX Disaster Relief deferment into a forced foreclosure/modification track. * Forensic Accounting Error : Two prior COVID-19 deferrals were mismanaged, leaving {$21000.00} in the principal balance that should have been removed, resulting in approximately {$8800.00} in \" ghost interest '' charges. * Document Fraud : A loan modification was produced by \" XXXX XXXX XXXX in XX/XX/XXXX that was backdated to XX/XX/XXXX, directly contradicting contemporaneous emails stating paperwork was still forthcoming. * Equity Loss : These errors created a payoff discrepancy of over {$44000.00}, stripping the home equity intended for my retirement.\n\nWells Fargo Home Mortgage Company placed me in a COVID 19 payment suspension program in XXXX of XXXX. I did not request this. * * * See item 1 and 2, attached emails from WF, I did not see or respond to Error # 1 - In XXXX of XXXX Wells Fargo Home Mortgage Company deferred the initial payment suspension for XX/XX/XXXX through XX/XX/XXXX, or 6 months. The amount deferred was {$6900.00}, which was made up of the following amounts : Principal and Interest {$6500.00} Other past due amounts to be deferred {$420.00} TOTAL {$6900.00} * * * See item 3, attached 1st deferral HOWEVER Well Fargo Home Mortgage Company did not reduce my loan balance by the same amount that was deferred as required by XXXX XXXX for deferrals. Wells Fargo Home Mortgage Company only reduced my loan by {$2300.00}, shorting the reduction on my balance by {$4600.00}. * * * See item 4, attached copy of deferral and corresponding ledger of my mortgage loan This error caused an additional {$4600.00} to be left in my principle creating additional interest charges to be incurred to me. This is double capitalization of interest.\n\n* * * See item 4, attached copy of deferral and corresponding ledger of my mortgage loan This error falls under the following violations : 1. ) Elder financial Exploitation ( Fla. Stat s 825.103 ) 2. ) FDUTPA ( Fla Stat. s 501.201 ) 3. ) Breach of Fiduciary Duty Breach of duty of care owed to a senior borrower in the administration of government-mandated COVID-19 assistance programs.\n\n4. ) Negligent Accounting/Servicing 5. ) Intentional Mismanagement of Assets ( Fla. Stat. s825.103 ) 6. ) Bad Faith Servicing & Punitive Damage Standing ( Fla. Stat.s768.72 ) * * * Every subsequent action taken on my mortgage loan from this point forward was built on a foundation of bad data due to this error * * *.\n\nWells Fargo Home Mortgage Co. kept me on payment suspension, and I was making payments, some partial, as I could.\n\nError # 2 : On XXXX XXXX, Wells Fargo Home Mortgage Company deferred an additional full 12 months of payments for XX/XX/XXXX through XX/XX/XXXX. The amount that was deferred was {$21000.00}, which was made up of the following amounts : Principle and Interest {$13000.00} Other past due amounts to be deferred {$8200.00} TOTAL {$21000.00} * * * See item 5 attached HOWEVER, once again, Well Fargo Home Mortgage Company did not reduce my loan balance by the same amount that was deferred as required by XXXX XXXX for deferrals. Wells Fargo Home Mortgage Company only reduced my loan by $ {$4700.00}, shorting the reduction on my balance by {$16000.00}. * * * See item 5, attached This error caused an additional {$16000.00} to be left in my principle creating additional interest charges to be incurred to me. This is double capitalization of interest.\n\n* * * See item 5, attached copy of deferral and corresponding ledger of my mortgage loan showing reduction in loan, deferrals and loan ledger balance showing error.\n\nThis error also falls under the following violations : 1. ) Elder financial Exploitation ( Fla. Stat s 825.103 ) 2. ) FDUTPA ( Fla Stat. s 501.201 ) 3. ) Breach of Fiduciary Duty Breach of duty of care owed to a senior borrower in the administration of government-mandated COVID-19 assistance programs.\n\n4. ) Negligent Accounting/Servicing 5. ) Intentional Mismanagement of Assets ( Fla. Stat. s825.103 ) 6. ) Bad Faith Servicing & Punitive Damage Standing ( Fla. Stat.s768.72 ) At that point, there was now an additional {$21000.00} that had been left in my mortgage loan balance in spite of the 2 deferrals that I was provided for by Wells Fargo Home Mortgage Company , per XXXX XXXX COVID 19 deferral guidelines, that were not handled properly, creating additional interest charges to be incurred to me. This is double dipping of interest.\n\nMy loan balance should have been reduced by the full deferral amount ( s ) of : {$6900.00} Given XX/XX/XXXX {$21000.00} Given XX/XX/XXXX {$28000.00} TOTAL My loan balance was not reduced by the full deferred amounts of {$28000.00}, instead it was reduced by a total of only {$7000.00}, leaving {$21000.00} in my loan balance that was subject to double interest/capitalization, and I had to pay that additional interest for the years until I found out what had happened. ( XX/XX/XXXX ) The additional interest that I paid on that ghost principle was approximately {$8800.00}.\n\nError # 3 : In late XXXX Florida was hit by XXXX XXXX coming in as a CAT 4 hurricane.\n\nWells Fargo Home Mortgage Co. once again reached out to its customers with disaster relief on XX/XX/XXXX, at XXXX EDT, via emails with coded XXXX, ( disaster relief ) to their customers. A 12-month deferral period was extended to Wells Fargo Home Mortgage Co. customers for Hurricane XXXX as part of the Disaster Relief program, as directed by XXXX XXXX . * * * See item 6 attached. Email from XXXX re XXXX XXXX XXXX XXXX XXXX XXXX During that time, I made the multiple payments on my mortgage loan, as I was able to however a few were not paid, and they were to be deferred, as offered to me by Wells Fargo Home Mortgage Co. \nOn XX/XX/XXXX, one month later, I received an email from Wells Fargo Home Mortgage Co. coded XXXX, ________, stating that Disaster assistance will end on XX/XX/XXXX, and thanking me for taking the time to talk to us as you continue to recover. We are sorry that you have been affected by the hurricane. and The disaster relief that we recently discussed is coming to an end on XX/XX/XXXX, please contact us to talk about next steps. You may have options ; we want to help * * See item 7 attached. Email from XXXX XX/XX/XXXX On XX/XX/XXXX, at XXXX EDT, I received an email from Wells Fargo , thanking me for submitting the documents we asked for and We have what we need to begin our review of your home assistance request.\n\nI responded to this the same day, XX/XX/XXXX at XXXX XXXX  EST stating that I had not submitted any documentation for this or anything to them. That I was looking to set up a re-payment plan for the 3 payments I missed, NOW THAT MY HARDSHIP IS OVER. * * * See item 8 attatched. Email from XXXX and response from XXXX I heard nothing further from them until XXXX XXXX at XXXX EDT, in an email, stating You can get help with your payments and You have missed several payments and your loan is now in default. Reaching out is not easy, but we are here to help. We would like to talk with you about your options that could make your situation a little easier and help you avoid foreclosure. this time, it was coded XXXX collection. The payments that I was behind were from XXXX XXXX, in which Wells Fargo Home Mortgage sent out emails on XX/XX/XXXX at XXXX XXXX extending the disaster relief for XXXX XXXX of up to 12 months deferral. That email was coded with XXXX. * * * See item 9 attached .Email from XXXX dated XX/XX/XXXX To my knowledge, there was no disaster relief at that time other than the XXXX XXXX disaster relief, which was up to 12 months,1 year, or XXXX ( maybe XXXX?? ) of XXXX. If there was I was not a participant in them. I only was a participant in the XXXX XXXX disater relief program offered by Wells Fargo Home Mortgage as directed by XXXX XXXX. * * * See item 10 attached.XXXX XXXX statement on XXXX XXXX disaster relief. \nSomehow Wells Fargo Home Mortgage Co. flipped any past due payments from what should have been deferred due to XXXX XXXX directives/guidelines for the XXXX XXXX disaster to full blown collections, and threatening foreclosure in the following months. \nKeep in mind, I am still paying double interest on error 1 and error 2 at this time.\n\nI received another email from Wells Fargo Home Mortgage Co. on XX/XX/XXXX, once again t5hanking me for submitting the documents they requested, and We have what we need to begin your review of your home assistance request. * * * See item 11 attached. Email from XXXX. \n\nOn XX/XX/XXXX, Wells Fargo Home Mortgage Co. sent a hard copy piece of mail to me via USPS. The Subject Line stated Loan Modification trial period plan. The letter further stated Thank you for contacting us about your mortgage. Based on careful review of the information you provided, we are offering you the opportunity to enter into a loan modification. If you satisfy all of the terms of the offer, successfully complete the trial period plan by making the required payments, and return a signed loan modification agreement, we will then sign the loan modification, and your loan will be permanently modified. Immediately below that, in large bold letters it stated- ACT NOW Key steps to modify your mortgage and prevent foreclosure action. Below that it said You must do one of these things by XXXX XXXX- Contact us by phone or in writing to let us know if you intend to accept this offer, OR Send your first trial period payment of {$1600.00} to accept this offer. Directly below the 2 conditions it stated : IF YOU DO NOT CONTACT US OR SEND YOUR FIRST TRIAL PERIOD PLAN PAYMENT BY XX/XX/XXXX, FORECLOSURE PROCEEDINGS MAY BE STARTED OR CONTINUE. Attached to that letter was the proposed modification terms showing current terms with the deferred balance present, and the modification terms showing the deferred balance at {$0.00} * * * See item 12 attached. Hard mail from XXXX. Completely alarmed and not understanding what this was about, because I was still in the XXXX XXXX deferral program, and still making payments, I called the individual who signed the letter, XXXX XXXX, Home Preservationist Specialist. I asked him what this was about and if there was a foreclosure already started. He put me on hold, checked and came back and said it looked like they have started a foreclosure. I asked why, and why was this the first that I was hearing about it, and informed him that all missed payments were covered in the COVID 19 deferrals and the XXXX XXXX deferral that was offered to me. I further went on to state that I was shocked that this was happening and certainly since all missed payments had already been deferred and moved to the back of the loan. I became upset and told him I did not ask for this and did not want it. I did not even understand what it was. XXXX XXXX placed me on hold again, came back on the line and told me that they had made an error, and to please disregard it. I asked him if he was absolutely sure, because I did not want to have another surprise like this in a few months. He very kindly confirmed that he was sure. We hung up and I felt better. I had been making payments on my mortgage loan to catch up the payments I had missed clearly not understanding how the COVID 19 deferrals worked, and thinking that I still needed to pay those payment. Wells Fargo Home Mortgage Co was applying those payments to current arrears, as they should have I believe. I also took comfort in knowing that knew I was on the hurricane XXXX disaster payment deferral program. \nOn XXXX XXXX, I received another email from Wells Fargo Home Mortgage Co. Subject Line : We Need You to Verify Information and the email Stated Review this loan information carefully There was nothing attached to the email to review. * * * See Item 13 attached. Email from XXXX. I picked up the phone again and called the individual who signed the email, XXXX XXXX, Home Preservation Specialist, and asked what this was about. I was told not to worry, they were just wrapping up the disaster relief deferrals. XXXX XXXX did tell me that my payments were going to be a bit higher for the next 3 months, for escrow and misc. items, and asked if I could afford it, to which I said yes, my hardship is over. He also told me to make the three payments as indicated in the hard copy mailed to me via USPS on XX/XX/XXXX, and once that was complete I would not need to make any payments again until the first of the XXXX XXXX. \nOn XX/XX/XXXX at XXXX EST, I received another email from Wells Fargo Applications. Suject line was The Final Loan Agreement is Approved. It further stated Thank you for completing the payments for your home assistance request. We have mailed you 2 final documents : - Original copy to sign ( and notarize if requested ) - Duplicate copy for your records It also said Were also sending out a Preferred Payment Plan Authorization form that we encourage you to complete. and Please contact me with any questions. I picked up the phone again and called the individual who signed the email, XXXX XXXX. I went through the entire story from XXXX XXXX, telling her that I wanted to make sure that this was not a loan modification, but rather the deferment from XXXX XXXX. XXXX XXXX assured me not to worry about anything, but do complete the paperwork so that they can complete my PAYMENT ASSISTANCE. I of course thought this was the deferral for XXXX XXXX, even though it had only been 3 months since the disaster. This made perfect sense to me based on how the COVID 19 disaster Relief was handled in chinks of months. I did not think further about it. * * * See item 14 attached. Email from XXXX On XXXX, XXXX, I received another email from Wells Fargo Consumer Lending, stating Youll receive your PAYMENT ASSISTANCE documents soon. We will need these documents to complete your PAYMENT ASSISTANCE Not Loan Modification PAYMENT ASSISTANCE. The email further went on to say Weve sent you documents to complete for your PAYMENT ASSISTANCE. When you receive them you will need to sign, have notarized ( if required ) and return them by the due date provided in the document package. This communication was coded XXXX ________________________?? * * * See Item 15 attached.Email from Wells Fargo APPLICATIONS. \nThinking that this was the first portion of payment deferrals for the XXXX XXXX, it did not ruffle my feathers. Nothing had been said to me above a modification in months, or how a modification would work, or that they would pull my deferred amounts and add them back into my loan, which was already inflated by the incorrect reductions done by Wells Fargo Home Mortgage Co by not reducing my loan by the full deferral amount as directed by XXXX XXXX during the COVID 19 disaster. \nOn XX/XX/XXXX, I received another email at XXXX EST, from Wells Fargo XXXX (? ) Subject line was : Wells Fargo XXXX XXXX. In this email Wells Fargo Home Mortgage Co stated : We are reaching out to you today regarding the final documents. Congratulations once again on the APPROVAL. It did not state Approval for what ie deferment, modification, forebearance? It further stated We sent the final agreement documents to you on XX/XX/XXXX and have ordered a mobile notary for you, and they will call and schedule an appointment. Please return the signed documents, dated and notarized. Additional instructions may be provided by the notary when they contact you for the signing appointment. We have provided the XXXX tracking numbers for your convenience ( Tracking numbers for what??? ) Please continue making ongoing monthly loan payments. Nowhere did it say anything about a modification, indicate any dollar amounts, nothing about the transaction that I later found out happened to me. ANOTHER INTERESTING POINT On XX/XX/XXXX they sent the email address above, and attached as well, stating that the paperwork was sent out on XX/XX/XXXX. Yet there were at least 2 earlier emails in XX/XX/XXXX, stating that the paperwork would be forthcoming. I had not seen any detailed modification paperwork * * * Seeitem 16 attached. Email from Well Fargo Home Mortgage Co. \nI continued making payments as normal. I do not recall signing a loan modification, or having a mobile notary come to my home. I did not look at my mortgage statement on a regular basis, because they were emailed to me, as encouraged by Wells Fargo Home Mortgage. I just made sure that my payments were made, and that if I had any late payments, that I caught them up. I also never truly looked at my XXXX, instead I just handed them over to the person that did my taxes. \nThis brings us to XXXX of XXXX. I am XXXX, and finally at a place where I can retire, relax, and spend time with my daughters and my XXXX grandchildren. I had worked since I was XXXX XXXX XXXX, and I was so excited to be able to take a break and enjoy life for once. However, my plan hinged on me selling my home/condo, of which I had equity in that would make this possible. \nI listed my home/ condo, and had a cash offer the first week that it was listed. This of course prompts realtors and owners into all kind of actions and activities that need to be completed so the closing can happen on time. \nWell, one of those items was my mortgage payoff amount. Im thinking it is around {$170000.00}, with the additional deferred amount of {$28000.00} Math attached. Imagine my utter shock and surprise when my realtor told me that it was {$230000.00}!! That amount was more than the original mortgage I took out in XXXX which was for {$220000.00}. \n\nI called Wells Fargo, knowing they would re-direct me to XXXX XXXX XXXX XXXX XXXX because also in XX/XX/XXXX I was notified that my mortgage was sold to XXXX XXXX, XXXX XXXX XXXX. I was redirected to XXXX XXXX, XXXX XXXX XXXX. I was told that yes, that is the correct payoff amount, and I tried to explain no, there is no way that can be. XXXX XXXX XXXX XXXX XXXX told me they would send over the information that they were given by Wells Fargo Home Mortgage when they purchased my mortgage from them. \n\nI have attached what I received from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent to me their official Loan History Summary given to them by Wells Fargo Home Mortgage as part of the package that supported my mortgage loan and its value/worth. * * * See item 17and 18 attached. XXXX Loan History Summary.\n\nXXXX XXXXXXXX XXXX XXXX  XXXX has 3 different dates for my loan origination as shown on documents that they have shared with me. They have XXXX, XXXX, and XXXX. Yet on the Welcome letter from them they do acknowledge the XXXX date and amount. \nI sent Notice of error to Wells Fargo Home Mortgage Co and XXXX XXXX XXXX XXXX XXXX on ______________. \n\nAs stated above, XXXX XXXX XXXX XXXX XXXX replied in the attached referenced documents. \n\nWells Fargo replied on XX/XX/XXXX denying any errors and attaching my Customer Account Activity document from inception of the mortgage in XXXX. Also attached was a loan modification that I was seeing for the first time. * * * See item 19 attached. XXXX Response to Notice of Error When taking a closer look at the modification the following items were noted : The date was XX/XX/XXXX. I was receiving communications about some type of payment assistance in XX/XX/XXXX. There is no loan number on the document. Thet is a handwritten number that does not match my loan number. The amount of the modification is listed as {$12000.00}, which is the amount iin arrears during the disater relief period for XXXX XXXX and were to be deferraled for up to 12 months, per Fannie Mae directives for XXXX XXXX starting in XXXX. \nIN ADDITION, looking closely at the Modification document, you will note that Wells Fargo Home Mortgage quietly rolled my deferrals totaling {$28000.00} back into my loan, yet they had not corrected the {$21000.00} had not been properly removed from my loan balance as should have been when the deferral went through. My mortgage now became over stated, and I had been paying interest ( $ XXXX plus ) on the {$21000.00} that should not have been in my balance. That coupled with the {$12000.00} that Wells Fargo Home Mortgage took from being a disaster relief amount to a straight up arrears collection foreclosure amount, erroneously increased my loan balance by the deferred amount of {$28000.00}, the ghost amount never reduced from my loan balance when the deferrals went through of {$21000.00}, the {$12000.00} that was to be deferred under the XXXX XXXX disaster relief program, and the approximately {$8800.00} in additional interest that I paid. \n\nThe Notice of errors was sent out over 7 times. Each notice was acknowledged by Wells Fargo Home Mortgage and XXXX XXXX XXXX XXXX XXXX, but both responded each time that there were no errors. They were looking at the same documents that I was. In fact, they provided me with the documents in an attempt to prove that there were no errors. \nI now am forced to go back into the fulltime workplace due to the shortage of monies that were improperly and illegally withheld from me. \nDISCREPANCIES IN LOAN ORIGINATION DATA ( RE-AGING ) Actual Origination Date : XX/XX/XXXX. \nXXXX  Reported Dates : Documentation provided by XXXX inconsistently lists the loan origination as XXXX, XXXX, and XXXX. \nImpact of Error : These inaccurate dates constitute an unauthorized \" re-aging '' of the loan. This effectively erases a decade of my verified payment history and allows the servicer to hide the accounting errors that occurred between XXXX and XXXX. \nSupporting Evidence : See Items 20 and 21 ( XXXX  Loan History Summary and Welcome Letter ).\n\nIn summation the following is what happened to me, along with violations carried out by Wells Fargo Home Mortgage and XXXX XXXX XXXX XXXX XXXX, legal pursuable counts, and financial damage, both base and potential, to the customer : FINAL SUMMATION OF VIOLATIONS AND DAMAGES Statutory Violations : Elder Financial Exploitation ( Fla. Stat. 825.103 ) : Knowingly depriving a senior of home equity through accounting manipulation and the refusal to correct known errors.\n\nFDUTPA ( Fla. Stat. 501.201 ) : Deceptive acts involving the coercion into modification, under the guise of \" foreclosure ''. A COPY of a modification that was backdated to XX/XX/XXXX, but per Wells Fargo own emails, the paperwork was not sent out at the date on the alleged, forced by threat, modification.\n\nRESPA & FCRA : Failure to conduct a reasonable investigation after eight formal notices of error and the unauthorized re-aging of the loan history to XXXX. \nRealized Financial Damages : Principal Discrepancy : {$21000.00} ( The total amount improperly left in the principal balance following the XXXX and XXXX deferral errors ).\n\nUnearned Interest Paid : ~ {$8800.00} ( Estimated additional interest paid on the \" ghost principal '' balance ).\n\nMisapplied XXXX XXXX Arrears : {$12000.00} ( Amount that was to be deferred under disaster relief guidelines but was instead rolled into a modification ).\n\nTotal Equity Discrepancy : {$44000.00} ( The gap between the expected payoff of ~ {$180000.00} and the actual payoff demand of {$230000.00} ).\n\nNon-Economic Damages : o Loss of retirement security, forced re-entry into the full-time workforce at age XXXX, and severe emotional distress caused by the threat of foreclosure and the erasure of 10 years of credit history.\n\nA. List of Reported Violations Elder Financial Exploitation ( Fla. Stat. 825.103 ) : Knowingly and through deception depriving a senior citizen of their home equity by failing to properly apply mandated deferrals.\n\nFlorida Deceptive and Unfair Trade Practices Act ( FDUTPA ) ( Fla. Stat. 501.201 ) : Engaging in unfair methods of competition and unconscionable acts, specifically the issuance of \" backdated '' modification documents to hide servicing errors.\n\nRESPA Regulation X Violations : Failure to maintain accurate servicing records and failure to conduct a \" reasonable investigation '' after eight ( 8 ) formal notices of error.\n\nFair Credit Reporting Act ( FCRA ) Violations : Intentional \" Re-aging '' of the loan origination date to XXXX, effectively erasing years of positive payment history and damaging my creditworthiness.\n\nBreach of Fiduciary Duty : Failure to exercise the required duty of care in the administration of government-mandated COVID-19 and XXXX XXXX assistance programs.\n\nB. Legal Violation Counts 1. Manufactured Default : Intentionally flipping protected \" Disaster Relief '' payments into \" Foreclosure Collections '' to force a modification.\n\n2. Fraudulent Inducement : Coercing a \" Loan Modification '' through the use of threat of foreclosure, when customer was on XXXX XXXX Disaster Relief program, but deceptively dated XX/XX/XXXX. \n3. Double Capitalization/Double Dipping : Intentionally leaving {$21000.00} in the principal balance despite two formal deferral agreements, allowing the servicer to collect \" ghost interest '' on funds that should have been moved to the back of the loan.\n\n4. Agency Guideline Non-Compliance : Direct violation of XXXX XXXX COVID-19 and XXXX XXXX disaster relief mandates regarding the reduction of loan balances.\n\nSUMMARY OF LEGAL AND ACCOUNTING VIOLATIONS ( 14 COUNTS ) 1. Elder Financial Exploitation ( Fla. Stat. 825.103 ) : Knowingly depriving a senior of home equity through systematic accounting manipulation.\n\n2. FDUTPA Violation ( Fla. Stat. 501.201 ) : Deceptive trade practices, specifically the use of backdated modification documents.\n\n3. RESPA Regulation X 1024.35 : Failure to conduct a \" reasonable investigation '' after eight formal notices of error.\n\n4. RESPA Regulation X 1024.38 : Failure to maintain accurate records regarding the XXXX XXXX XXXX Disaster Relief deferment. \n5. FCRA Violation ( Fair Credit Reporting Act ) : Unauthorized \" re-aging '' of the loan to XXXX, erasing my actual XXXX origination history. \n6. Breach of Fiduciary Duty : Failure to exercise the required duty of care in administering government-mandated COVID-19 assistance.\n\n7. Negligent Servicing : Systematic failure to apply disaster relief credits as required by XXXX XXXX guidelines. \n8. Fraudulent Inducement : Coercing a modification through a document produced in XX/XX/XXXX but backdated to XX/XX/XXXX. \n9. Manufactured Default : Flipping protected XXXX XXXX relief payments into foreclosure collections ( Email Code XXXX ). \n10. Principal Balance Discrepancy : Failure to account for the {$21000.00} discrepancy left in my balance after two deferrals.\n\n11. Interest Overcharge : Illegal capitalization of approximately {$8800.00} in \" ghost interest '' on funds that should have been deferred.\n\n12. Agency Guideline Violation : Direct breach of XXXX XXXX XXXX XXXX \" Lender Letter '' mandates for servicers. \n13. Internal Coding Error : Misuse of service codes to bypass the \" Deferred '' status promised in communications.\n\n14. Systemic Bad Faith Accounting : Intentional \" book cleaning '' and data re-aging during the transfer to XXXX. \n\nIn closing : I have submitted this same complaint this evening to you all, the CFPB, as well as XXXX XXXX, The Florida Attorney General, and the XXXX XXXX XXXX XXXX XXXX. \n\nIt is my hope that now that I have forensically gone through the data, that this complaint will be taken seriously than it has been taken this past year, by all parties involved. I have been trying to resolve this since XX/XX/XXXX.","date_sent_to_company":"2026-05-14T22:52:40.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"334XX","tags":"Older American","has_narrative":true,"complaint_id":"22222473","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-05-14T22:15:40.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["Impact of Error : These inaccurate dates constitute an <em>unauthorized</em> \" re-aging '' of the loan. This effectively erases a decade of my verified payment history and <em>allows</em> the servicer to hide the accounting errors that occurred between XXXX and XXXX. \nSupporting Evidence : See Items 20 and 21 ( XXXX  Loan History Summary and Welcome Letter )."]},"sort":[3.358663,"22222473"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":25,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":25}]}},"product":{"doc_count":25,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":5},{"key":"VA mortgage","doc_count":5},{"key":"FHA mortgage","doc_count":3},{"key":"Conventional fixed mortgage","doc_count":1},{"key":"Home equity loan or line of credit (HELOC)","doc_count":1}]}},{"key":"Credit card or prepaid 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