{"took":98,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":151,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12164886","_score":19.24356,"_source":{"product":"Mortgage","complaint_what_happened":"Hello, I voluntarily surrendered the boat back in XX/XX/year>2024. Since then the lender has refused to provide the necessary documents to take ownership of the vessel. Under maritime law, the lender is required to perform a survey on the vessel when they take possession, they have not done so. They are required to file an affidavit of repossession with the XXXX XXXX XXXX, they have not done so, In order for the bank to take ownership of the vessel, they are required to file a preferred ship mortgage against the vessel & update the abstract of title, they have not done so. They are supposed to keep the vessel clean & operating order, they have not done so, and refuse to communicate with me. They charged {$7600.00} to surrender the vessel, they can't explain the charges. According to all documentation XXXX XXXX XXXX XXXX is the lien holder, however BMO Harris is in possession of the boat. They are evasive & multiple follow up attempts are needed to get them to respond. They are now non responsive.","date_sent_to_company":"2025-02-21T21:04:49.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"12164886","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMO BANK NATIONAL ASSOCIATION","date_received":"2025-02-21T20:41:42.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["Since then the lender has refused to provide the necessary documents to take ownership of the <em>vessel</em>. Under maritime law, the lender is required to perform a survey on the <em>vessel</em> when they take possession, they have not done so."]},"sort":[19.24356,"12164886"]},{"_index":"complaint-public-v1","_id":"3830805","_score":18.846888,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX TX XXXX received Multiple Debt Validation letters. No response from the parties notice of default sent out Tender of payment sent out with 72 hours to respond no response sent out 10 day reminder send out 20 and 30 day notice of default and abandonment of vessel with foreclosure documents signed by state agent with invoice and fee schedule vessel donated to a trust and was stolen XX/XX/2020 at XXXX XXXX. Vessel taken by XXXX XXXX with XXXX XXXX XXXX XXXX Tx XXXX XXXX ) XXXX ( XXXX ) XXXX Vessel Belongs to XXXX XXXX XXXX XXXX and is filled and lien on XXXX Agreement with Secretary of State of Texas XXXX Secretary filing # XXXX the vessel is in the security agreement","date_sent_to_company":"2020-09-04T13:23:48.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"77489","tags":null,"has_narrative":true,"complaint_id":"3830805","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Santander Consumer USA Holdings Inc.","date_received":"2020-09-04T10:59:59.000Z","state":"TX","company_public_response":null,"sub_issue":"Fraudulent loan"},"highlight":{"complaint_what_happened":["<em>Vessel</em> taken by XXXX XXXX with XXXX XXXX XXXX XXXX Tx XXXX XXXX ) XXXX ( XXXX ) XXXX <em>Vessel</em> Belongs to XXXX XXXX XXXX XXXX and is filled and lien on XXXX Agreement with Secretary of State of Texas XXXX Secretary filing # XXXX the <em>vessel</em> is in the security agreement"]},"sort":[18.846888,"3830805"]},{"_index":"complaint-public-v1","_id":"4846442","_score":17.978815,"_source":{"product":"Mortgage","complaint_what_happened":"Originated Loan with Bank of the West Essex Credit in XXXX XXXX CA During Application process, Loan Officer assured me the vessel would be Coast Guard documented in name of LLC of which I am 100 % owner. Now that loan has closed they refuse to do that leaving me unable to document vessel with Coast Guard","date_sent_to_company":"2021-10-26T21:17:43.000Z","issue":"Closing on a mortgage","sub_product":"Other type of mortgage","zip_code":"013XX","tags":null,"has_narrative":true,"complaint_id":"4846442","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF THE WEST","date_received":"2021-10-26T21:10:25.000Z","state":"MA","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":["Originated Loan with Bank of the West Essex Credit in XXXX XXXX CA During Application process, Loan Officer assured me the <em>vessel</em> would be Coast Guard documented in name of LLC of which I am 100 % owner. Now that loan has closed they refuse to do that leaving me unable to document <em>vessel</em> with Coast Guard"]},"sort":[17.978815,"4846442"]},{"_index":"complaint-public-v1","_id":"1511668","_score":17.65643,"_source":{"product":"Consumer Loan","complaint_what_happened":"XXXX repo my boat and never gave me a change to get it back. The sold the note and recoveries to XXXX XXXX. A year after they sold the rights to the vessel they came back on me a put a Final Judgment in the state of XXXX after selling their rights to collect on the note. They also sold the vessel in XXXX not to comply with XXXX Statues. XXXX came back after to put another Judgment on me for the same note.","date_sent_to_company":"2015-08-19T14:18:35.000Z","issue":"Shopping for a loan or lease","sub_product":"Installment loan","zip_code":"331XX","tags":"Servicemember","has_narrative":true,"complaint_id":"1511668","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2015-08-10T22:36:57.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["A year after they sold the rights to the <em>vessel</em> they came back on me a put a Final Judgment in the state of XXXX after selling their rights to collect on the note. They also sold the <em>vessel</em> in XXXX not to comply with XXXX Statues. XXXX came back after to put another Judgment on me for the same note."]},"sort":[17.65643,"1511668"]},{"_index":"complaint-public-v1","_id":"6953542","_score":17.655094,"_source":{"product":"Mortgage","complaint_what_happened":"Huntington Bank has received payment in full for the Vessel loan in XX/XX/2020. Huntington bank has failed to release the title and file the necessary paperwork with the National Vessel Documentation Center. I have contacted them four times about fixing this issue and releasing the lien on my vessel as this has been going on for almost three years now. They remain ignorant to this issue, create cases that they do not follow up with and refuse to fill a simple piece of paper that would release the lien. They have been a huge disspointment and will never do business with them again. They will not help and if you file a complaint, you will not hear from them. They are good at one thing : collect interest rates. 1*","date_sent_to_company":"2023-05-09T22:49:25.000Z","issue":"Trouble during payment process","sub_product":"Other type of mortgage","zip_code":"36526","tags":null,"has_narrative":true,"complaint_id":"6953542","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2023-05-09T22:28:36.000Z","state":"AL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Huntington Bank has received payment in full for the <em>Vessel</em> loan in XX/XX/2020. Huntington bank has failed to release the title and file the necessary paperwork with the National <em>Vessel</em> Documentation Center. I have contacted them four times about fixing this issue and releasing the lien on my <em>vessel</em> as this has been going on for almost three years now."]},"sort":[17.655094,"6953542"]},{"_index":"complaint-public-v1","_id":"8678059","_score":17.38697,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, at approximately XXXX pm, I, XXXX XXXX XXXX, XXXX secured private creditor under UCC file XXXX XXXX, went to Bank of America at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX XXXX I had an appoint to open up a non-interest bearing account, which I had disclosed to them when I had arrived. After a few questions and other informational matters, XXXX XXXX XXXX, relationship banker, asked me for my Social Security Charter Vessel. I disclosed to XXXX XXXX that I had legally terminated my S.S. charter vessel in accordance with XXXX XXXX XXXX. XXXX XXXX then stepped outside. After a few minutes she came back with the XXXX, XXXX XXXX XXXX. He merely said that they needed my S.S. Vessel to open an account. I informed them that the bank could not be held legally responsible by anyone for failing to obtain a SS vessel from me pursuant to 31 CFR 103.34 ( a ) ( 1 ) and I informed them that under the Internal Revenue Code Section 6041, that they were not even required to provide any taxpayer identification numbers on the Form 1099 that they file with the IRS at the end of the year, and I informed them that pursuant to 26 CFR 301.6109-1 ( c ) that they were under no legal obligation to obtain a SS vessel from me, and I informed them that 42 USC 408 makes it a FELONY to use threat, duress, or coercion to try to force a person by fear or deceit to provide his SSN in an unlawful manner. I asked for a reason as to why they required a S.S. Charter vessel if according to 46 U.S. Code section 57308, the SS Vessel is to be terminated at the age of 25 and is to no longer be used in commercial. However, neither one of them were able answer my question. Not only that, but they defrauded me as a secured private creditor in pursuant of 25 CFR 11.423 by encumbering with property subject to a security interest of mine, with purpose to hinder that interest. In addition to defrauding me, they deprived me of a right/privilege pursuant to Title 18 section 242. In the end, ignorance of the law excuses no one - 16 Am Jur 2d sub-section 178.","date_sent_to_company":"2024-04-03T01:49:27.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"78258","tags":null,"has_narrative":true,"complaint_id":"8678059","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-04-03T00:46:34.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["After a few questions and other informational matters, XXXX XXXX XXXX, relationship banker, asked me for my Social Security Charter <em>Vessel</em>. I disclosed to XXXX XXXX that I had legally terminated my S.S. charter <em>vessel</em> in accordance with XXXX XXXX XXXX. XXXX XXXX then stepped outside. After a few minutes she came back with the XXXX, XXXX XXXX XXXX. He merely said that they needed my S.S. <em>Vessel</em> to open an account."]},"sort":[17.38697,"8678059"]},{"_index":"complaint-public-v1","_id":"6887698","_score":16.167223,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I took out a loan ( account number XXXX ) with Santander Consumer USA in XXXX for the purchase of a new boat.The boat is a vessel documented with the United States Coast Guard and thus does not have a state title. I paid off the loan in XXXX of XXXX but never received a satisfaction of mortgage. I sold the boat in XXXX of XXXX but the person buying the boat is unable to get the boat documented with the Coast Guard as Santander USA has still not submitted a proper release of lien to me or the Coast Guard. I filed a complaint with the CFPB and Santander sent me a lien release on XXXX XXXX. This lien release was sent to the Coast Guard National Vessel Documentation Center but was rejected as \" the satisfaction of preferred mortgage is not eligible for recording because the legal capacity of the person signing on behalf of XXXX XXXX is missing. \" The Documentation Center is requesting a new instrument be sent that includes the required information. I spoke to Santander Consumer USA today and was told that they would not accommodate my request and that I should file a second complaint with the CFPB. My first complaint with CFPBXXXX am requesting your assistance in getting Santander Consumer USA to submit an acceptable lien release to me and/or the National Vessel Documentation Center.","date_sent_to_company":"2023-04-25T19:19:58.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"34109","tags":"Older American","has_narrative":true,"complaint_id":"6887698","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2023-04-25T18:38:59.000Z","state":"FL","company_public_response":null,"sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["My first complaint with CFPBXXXX am requesting your assistance in getting Santander Consumer USA to submit an acceptable lien release to me and/or the National <em>Vessel</em> Documentation Center."]},"sort":[16.167223,"6887698"]},{"_index":"complaint-public-v1","_id":"4652815","_score":15.559286,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"on Friday XXXX XXXX  XX/XX/XXXX, I receive a call from my lobby saying a unidentified gentleman is here to \" repo '' my vessel. I let them know Im on my way down to see what the matter is as well as who this main is and what he claims. The receptionist then tells me he has already trespassed on the property to private storage of my vessel. He does not disclose how he is or who he is representing, later validates he is contracted with NAVY FEDERAL CREDIT UNION.Showing only an order with my personal sold information and dwelling. I decided to call the police ; as we went over these matters, the man proceeds to trespass into car storage with tow truck. After standing my ground to my proven claims, he then leaves as well as XXXX Police this man nor company has any contracts with myself nor this vessel. I still have not received a response from CEO XXXX XXXX or Chairman XXXX of NAVY FEDERAL CREDIT UNION. I feel threatened as well as pain from the injuries this man has caused. Under FDCPA 809B,806, and 807 they have violated my consumer rights and rights under the Articles of Confederation. In addition, using harmful and illegal debt practices under 15 USC 1692. I am handling all civil affairs as needed but I will not tolerate this. XXXX XXXX XXXX this same man is snooping around the property.","date_sent_to_company":"2021-09-02T14:58:57.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"4652815","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2021-08-22T06:00:12.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["on Friday XXXX XXXX  XX/XX/XXXX, I receive a call from my lobby saying a unidentified gentleman is here to \" repo '' my <em>vessel</em>. I let them know Im on my way down to see what the matter is as well as who this main is and what he claims. The receptionist then tells me he has already trespassed on the property to private storage of my <em>vessel</em>."]},"sort":[15.559286,"4652815"]},{"_index":"complaint-public-v1","_id":"4750106","_score":15.038343,"_source":{"product":"Debt collection","complaint_what_happened":"In response to Consumer Portfolio Services, I XXXX, A natural person they have in fact are giving false claims as to HOW theyve investigated their claims to be true when in fact they are not, I have attached the following documents providing the violations including theft of my vessel, as A holder in due course the next step will be litigation.","date_sent_to_company":"2021-09-24T06:07:49.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Auto debt","zip_code":"92021","tags":null,"has_narrative":true,"complaint_id":"4750106","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Consumer Portfolio Services, Inc.","date_received":"2021-09-24T00:21:18.000Z","state":"CA","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["In response to Consumer Portfolio Services, I XXXX, A natural person they have in fact are giving false claims as to HOW theyve investigated their claims to be true when in fact they are not, I have attached the following documents providing the violations including theft of my <em>vessel</em>, as A holder in due course the next step will be litigation."]},"sort":[15.038343,"4750106"]},{"_index":"complaint-public-v1","_id":"6920245","_score":14.802962,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX I sent a Notice of Rescission to EXETER FINANCE LLC and their CEO XXXX XXXX XXXX to make them aware that I was exercising my right as a federal protected consumer to rescind the consumer credit transaction. Per truth in lending they did not clearly disclosed to me how to do so or provide me with the appropriate forms to complete the process. I know that I am the obligor and I have 3 years from the date of consummation of the transaction to exercise my rights. But EXETER FINANCE told me that are not willing to accept my Notice of Rescission, which I know is illegal! And I also sent them 2 Cease and Desist which they continue to send me multiple letters to me and communicate with me through my consumer report indirectly. Just recently they failed to let 2 towing companies know that I have a Cease and Desist in place and had my vessel dispossession from my dwelling. On XX/XX/XXXX my vessel was stolen from my dwelling and the tow company hired by EXETER FINANCE LLC has failed to give me my possession when I called to get my things back.","date_sent_to_company":"2023-05-03T00:43:40.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Auto debt","zip_code":"32244","tags":null,"has_narrative":true,"complaint_id":"6920245","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2023-05-03T00:23:24.000Z","state":"FL","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["Just recently they failed to let 2 towing companies know that I have a Cease and Desist in place and had my <em>vessel</em> dispossession from my dwelling. On XX/XX/XXXX my <em>vessel</em> was stolen from my dwelling and the tow company hired by EXETER FINANCE LLC has failed to give me my possession when I called to get my things back."]},"sort":[14.802962,"6920245"]},{"_index":"complaint-public-v1","_id":"2894388","_score":14.689218,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX XXXX failed to take themselves off of title with the DMV when they received a payoff on the vessel of {$26000.00} for my XX/XX/1999XXXX XXXX when Bank of America purxhased the installmemt loan from XXXX XXXX. See attachment document as to the specifics of the damage that was caused by this oversight.","date_sent_to_company":"2018-05-04T10:41:34.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"922XX","tags":null,"has_narrative":true,"complaint_id":"2894388","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-05-03T05:04:09.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["XXXX XXXX failed to take themselves off of title with the DMV when they received a payoff on the <em>vessel</em> of {$26000.00} for my XX/XX/1999XXXX XXXX when Bank of America purxhased the installmemt loan from XXXX XXXX. See attachment document as to the specifics of the damage that was caused by this oversight."]},"sort":[14.689218,"2894388"]},{"_index":"complaint-public-v1","_id":"18993008","_score":14.517004,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Complaint Narrative : I am a 100 % total and permanent XXXX military veteran and co-signer on Loan # XXXX. I am filing this complaint because Navy Federal Credit Union ( NFCU ) failed to secure collateral after the primary borrower voluntarily surrendered the asset in XXXX XXXX. \n\nThis was a high-value asset loan, originated in XX/XX/XXXX for approximately {$130000.00}, secured by a XXXX XXXX XXXX XXXX XXXX ( approximately XXXX lbs ). The primary borrower provided NFCU with the vessels exact location and confirmed the marina had proper yard assist equipment capable of moving the boat. Despite this, NFCU dispatched a standard automotive trailer that was physically incapable of transporting the vessel. After this failed attempt, NFCU abandoned recovery efforts entirely.\n\nNegligence and Harm to Co-Signer : As a direct result of NFCUs failure to take possession of the collateral : The vessel has become a total loss due to nearly five years of neglect.\n\nThe marina has accrued approximately {$30000.00} in storage and lien charges, which I am now being threatened with personally.\n\nDespite NFCUs negligence, I have continued making payments solely to protect my credit. NFCU had a clear duty to mitigate damages in XXXX and failed to do so. By abandoning the asset, NFCU materially impaired the collateral securing the loan.\n\nResolution Requested : Immediate Discharge of Loan : I request the loan be\ndischarged and reported as Settled/Paid effective XX/XX/XXXX. I should not be held liable for a debt where the lender refused to take possession of the collateral when it had substantial value and was in good standing with the marina.\n\nFull Loan Audit and Records Production ( XXXX XXXXPresent ) : Between XX/XX/XXXX and XX/XX/XXXX, I made multiple calls to NFCU seeking assistance and alternatives but was repeatedly told they could not discuss the loan because I was not the primary borrower, despite being financially liable as co-signer. I also made several in-person visits to NFCU branches in XXXX, Virginia, where managers acknowledged the situation and stated notes had been added yet subsequent visits showed no record of those discussions.\n\nI formally request full production of : All audio recordings from XXXX XXXX confirming NFCUs agreement to retrieve the vessel, All dispatch orders and communications between NFCU and its third-party repossession agency, All internal servicing notes related to the collateral recovery failure.\n\nThis matter reflects gross negligence, improper servicing practices, and failure to protect a co-signers rights. I respectfully request CFPB intervention. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2026-01-25T19:39:48.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"234XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"18993008","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-01-25T18:37:57.000Z","state":"VA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Voluntary repossession"},"highlight":{"complaint_what_happened":["The primary borrower provided NFCU with the <em>vessels</em> exact location and confirmed the marina had proper yard assist equipment capable of moving the boat. Despite this, NFCU dispatched a standard automotive trailer that was physically incapable of transporting the <em>vessel</em>. After this failed attempt, NFCU abandoned recovery efforts entirely."]},"sort":[14.517004,"18993008"]},{"_index":"complaint-public-v1","_id":"1947864","_score":14.473594,"_source":{"product":"Bank account or service","complaint_what_happened":"On XX/XX/2016, XXXX XXXX XXXX, XXXX, a Florida corporation, ( \" XXXX '' ), towed away my wife 's car which was parked arguably properly with a note inside the car explaining that there was difficulty with payment at a parking machine. The vehicle had apparently been parked at HSBC Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. HSBC 's lot had a sign referring to \" display paid receipt '' and close on the sidewalk there was a machine that printed receipts for parking and it was not completely clear to her that the sidewalk machine was inapplicable to the HSBC 's parking lot. HSBC did not have any person collecting payment from its booth nor a parking payment machine in its lot on that day. My wife lost {$2.00} dollars in the sidewalk machine and left a note inside her car. XXXX took the car to a lot and refused to release it unless a payment of {$280.00} was made, and if significantly delayed then the price would increase. {$280.00} was paid to XXXX and then the vehicle was released. The invoice number is No. XXXX. Although HSBC was authorized to ask a towing company to tow a vehicle, HSBC was prohibited from having a contract with a tow company since a contract is a bargained-for exchange, which means that the towing company gave something of value to HSBC for the right to tow vehicles from the HSBC property. See Florida Statute 715.07 ( 2 ) ( a ) 4, which states as follows : \" The towing or removal of any vehicle or vessel from private property without the consent of the registered owner or other legally authorized person in control of that vehicle or vessel is subject to strict compliance with the following conditions and restrictions :.. \n4.A person may not pay or accept money or other valuable consideration for the privilege of towing or removing vehicles or vessels from a particular location. '' Furthermore, HSBC knew or should have known that XXXX would charge an abusive amount of money to release the vehicle, making HSBC liable for aiding in abusive behavior against the public. HSBC admits it had a contract with a towing company.","date_sent_to_company":"2016-06-01T02:05:50.000Z","issue":"Account opening, closing, or management","sub_product":"Other bank product/service","zip_code":"33141","tags":null,"has_narrative":true,"complaint_id":"1947864","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"HSBC NORTH AMERICA HOLDINGS INC.","date_received":"2016-06-01T02:05:49.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["See Florida Statute 715.07 ( 2 ) ( a ) 4, which states as follows : \" The towing or removal of any vehicle or <em>vessel</em> from private property without the consent of the registered owner or other legally authorized person in control of that vehicle or <em>vessel</em> is subject to strict compliance with the following conditions and restrictions :.. \n4.A person may not pay or accept money or other valuable consideration for the privilege of towing or removing vehicles or <em>vessels</em> from a particular location. ''"]},"sort":[14.473594,"1947864"]},{"_index":"complaint-public-v1","_id":"3796234","_score":14.370872,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"We started working with XXXX XXXX of XXXX in XXXX to secure financing in advance of finding a vessel after we sold our existing vessel. \nWe gave them all of our financial info, credit scores, etc. and requested no hard inquiry on credit bureaus until we actually sold our boat and found the new boat we wanted. 2 weeks ago we sold our boat, and found the boat we wanted. We were XXXX and XXXX credit scores, we are putting 50 % down on the new boat, have plenty of income and no debt. One 5 year boat loan that has always been paid on time and will be paid off in 2 years. \nWe were informed Monday XX/XX/XXXX that nobody would touch our loan because we pay everything off monthly, we have no debt, and theyve never seen a credit history like ours before. \nWe secured financing from our own credit union that day. I was mad but we moved on. \nNow we are getting hard inquiries days later and my credit score has dropped XXXX points. Why would that be happening after they told us no one would touch us and weve moved on?","date_sent_to_company":"2020-08-14T17:17:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"93035","tags":null,"has_narrative":true,"complaint_id":"3796234","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-08-14T17:17:11.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["We started working with XXXX XXXX of XXXX in XXXX to secure financing in advance of finding a <em>vessel</em> after we sold our existing <em>vessel</em>. \nWe gave them all of our financial info, credit scores, etc. and requested no hard inquiry on credit bureaus until we actually sold our boat and found the new boat we wanted. 2 weeks ago we sold our boat, and found the boat we wanted. We were XXXX and XXXX credit scores, we are putting 50 % down on the new boat, have plenty of income and no debt."]},"sort":[14.370872,"3796234"]},{"_index":"complaint-public-v1","_id":"12439796","_score":14.275272,"_source":{"product":"Debt collection","complaint_what_happened":"Without notice or communication the collection company Voss & Klein reported a debt on my credit report that does not belong to me.\n\nThe debt involves unpaid fuel charges to a vessel owned by an LLC. I did not contract the debt and did not receive the benefits of that service.\n\nIf there is any money owed, it is owed by a different entity, not me. Voss & Klein did not engage in due dilligence and arbitrarily reported the debt on my credit report.","date_sent_to_company":"2025-03-14T19:19:04.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"33137","tags":null,"has_narrative":true,"complaint_id":"12439796","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Voss & Klein, LLC","date_received":"2025-03-12T22:22:16.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The debt involves unpaid fuel charges to a <em>vessel</em> owned by an LLC. I did not contract the debt and did not receive the benefits of that service.\n\nIf there is any money owed, it is owed by a different entity, not me. Voss & Klein did not engage in due dilligence and arbitrarily reported the debt on my credit report."]},"sort":[14.275272,"12439796"]},{"_index":"complaint-public-v1","_id":"5547264","_score":14.119304,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"15 us code? 1605 determination of finance charge. \nLook at the spelling of my name, XXXX XXXX XXXX, XXXXXXXX XXXX = fact=correct. Any thing alse is null and void. Fraudently convayed language is with charges of pergery that will hold up in the foreign vessel on dry doc. With evidence in hand. I'm going to give you10 days to fix this problem. Starting now.","date_sent_to_company":"2022-05-26T15:23:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95133","tags":null,"has_narrative":true,"complaint_id":"5547264","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-05-06T00:10:26.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Fraudently convayed language is with charges of pergery that will hold up in the foreign <em>vessel</em> on dry doc. With evidence in hand. I'm going to give you10 days to fix this problem. Starting now."]},"sort":[14.119304,"5547264"]},{"_index":"complaint-public-v1","_id":"13424739","_score":14.006753,"_source":{"product":"Checking or savings account","complaint_what_happened":"I initiated a domestic wire transfer from my Citibank business account on XX/XX/year>, for {$28000.00} as part of a time-sensitive escrow transaction to purchase a U.S. Coast Guard documented vessel. The wire reference number is XXXX. Shortly after submitting the wire, Citibank placed a hold on the transaction for internal compliance review and opened case number XXXX XXXX. \n\nOn XX/XX/XXXX, I provided all requested documentation, including the vessels XXXX documentation certificate, hull identification number, and flag country. Despite submitting everything requested, the wire remains on hold with no resolution. On XX/XX/XXXX, I escalated the matter through Citibanks Executive Response Unit and was informed by a representative named XXXX that the case was assigned to a banker, but the review may take up to 15 business days. This delay threatens the success of a critical escrow transaction. \n\nI have called multiple times, spoken with supervisors in the wire department, and requested status updates, the assigned bankers contact information, and an expected release timeline. To date, I have not received clear answers, the funds have not been released, and the transaction remains blocked without justification. I am seeking immediate release of the wire or the full return of funds so I can meet my obligation via alternate payment. \n\nMy business name is : XXXX XXXX XXXX. a Florida base XXXX","date_sent_to_company":"2025-05-09T15:40:42.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"33176","tags":null,"has_narrative":true,"complaint_id":"13424739","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-05-09T15:10:52.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Coast Guard documented <em>vessel</em>. The wire reference number is XXXX. Shortly after submitting the wire, Citibank placed a hold on the transaction for internal compliance review and opened case number XXXX XXXX. \n\nOn XX/XX/XXXX, I provided all requested documentation, including the <em>vessels</em> XXXX documentation certificate, hull identification number, and flag country. Despite submitting everything requested, the wire remains on hold with no resolution."]},"sort":[14.006753,"13424739"]},{"_index":"complaint-public-v1","_id":"18077766","_score":13.937667,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Citibank is unlawfully holding an incoming international wire transfer for more than 12 days without explanation or legal justification. \n\nAccount type : Business checking account Bank : Citibank , N.A . \nAmount : {$950000.00} incoming wire Date wire was sent : XX/XX/XXXX Date funds were blocked : XXXX XXXXpresent Description : Citibank has blocked an incoming international wire transfer of {$950000.00} to my business account without providing any lawful justification. The bank claimed the reference to the word XXXX required clarification. Both I and the originating bank immediately clarified that XXXX is the brand of the vessel involved in the transaction, not a sanctioned entity. Despite this, XXXX Compliance Department has withheld the funds for over nine days and refuses to communicate with any Citibank representative or with my business. \n\nI have suffered substantial financial harm, including the impoundment of the vessel by XXXX XXXX, contractual losses, and legal fees. Citibank refuses to provide a timeline, explanation, or access to its compliance officer. This conduct appears negligent and abusive. I request immediate regulatory intervention and release of funds. \n\nRequested Resolution : Release the funds immediately, provide written justification for the hold, and compensate for damages caused by the delay.","date_sent_to_company":"2025-12-01T21:43:59.000Z","issue":"Money was not available when promised","sub_product":"International money transfer","zip_code":"33133","tags":null,"has_narrative":true,"complaint_id":"18077766","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-12-01T21:36:18.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Both I and the originating bank immediately clarified that XXXX is the brand of the <em>vessel</em> involved in the transaction, not a sanctioned entity. Despite this, XXXX Compliance Department has withheld the funds for over nine days and refuses to communicate with any Citibank representative or with my business. \n\nI have suffered substantial financial harm, including the impoundment of the <em>vessel</em> by XXXX XXXX, contractual losses, and legal fees."]},"sort":[13.937667,"18077766"]},{"_index":"complaint-public-v1","_id":"10802472","_score":13.211196,"_source":{"product":"Credit card","complaint_what_happened":"The day XXXX of XX/XX/year>, I received notifications of payment from two different banks, on two different credit cards. The amounts were equal, similar scenario ( Purchase made in two different night club that was closed to the public at that time and day. It happened just after midday ). \nThe Banks/ credit card involved are the XXXX XXXX in XXXX XXXX and Capital One in the XXXX. Both cards charges appeared in XXXX XXXX, one night club is located in XXXX, and the other night club is located in XXXX XXXX. The XXXX Card has been used in the XXXX 's establishment and the Capital One card has been used in the XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. \n\nI'm the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX in the XXXX, and we are actually in XXXX XXXX for our activity. Both Credit Card are in my name, but the XXXX card is my personal account card, and The CAPITAL ONE Card is issued on the boat business account : is the card that I use to pay purchases for the vessel needs. They are never used together in the same place, is either a personal purchase or a business one. The only place were they are together is my wallet. \n\nAt XXXXXXXX XXXX I received a call from the antifraud service of XXXX XXXX, because of a suspect purchase on my personal card. I immediately asked to block it but unfortunately in the mean time another purchase has been made ; XXXXXXXX XXXX XXXX the first and XXXXXXXX XXXX XXXX  the second one. I immediately run to the nearest bank office to show my credit card and my ID. The place is at about XXXX XXXXours of XXXX XXXX XXXXXXXX and about XXXX hours away from XXXX XXXX. My case in XXXX XXXX has already been partially solved, one purchase has been refund and the second is still in process of investigation. \n\nAt XXXXXXXX XXXX I received a message from the manager of the vessel, asking to approve a purchase on the Capital One card. I declined as I did not reckon the charge and the card has been blocked to prevent further charges.\n\nAnd here is the point : Despite I declared that the card has never been given to any other person of the company or outside the company, and I never moved away from the vessel that day. Despite I have exactly the same fraud ongoing on another card, in a different town, with the same scenario, exactly the same amount, CAPITAL ONE DECLINED MY CLAIM, DECLARING THAT THEIR CHIP IS ABSOLUTELY IMPOSSIBLE TO REPRODUCE AND THE CARD HAS BEEN PHYSICALLY USED IN BOTH OCCASION. \nI tried all steps that Capital One offered me, but they still do not accept my reasons and they closed the case debiting my account for an amount of XXXX USD and XXXX USD, so I asked them to prove that somebody at that time and day has been using the card. I do not know that place, I had to use XXXX to find out where it is, and XXXX indicate that the place is closed that day and at that time. It works only during weekends. I'm sure that my identity and cards have been somehow stolen/cloned, but Capital One keep saying that their cards are impossible to reproduce. \nI'm attaching to this mail all the copy of notifications that I received from the two different banks and the letter I sent CAPITAL ONE signed by my crew, declaring that I did not move from the vessel that day. \n\nHoping to hear from you soon Kind Regards","date_sent_to_company":"2024-11-14T15:36:03.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"328XX","tags":null,"has_narrative":true,"complaint_id":"10802472","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-11-14T14:12:06.000Z","state":"FL","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["At XXXXXXXX XXXX I received a message from the manager of the <em>vessel</em>, asking to approve a purchase on the Capital One card. I declined as I did not reckon the charge and the card has been blocked to prevent further charges.\n\nAnd here is the point : Despite I declared that the card has never been given to any other person of the company or outside the company, and I never moved away from the <em>vessel</em> that day."]},"sort":[13.211196,"10802472"]},{"_index":"complaint-public-v1","_id":"4904955","_score":13.170951,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Loan date approximately XXXX, boat loan Registration/Taxes check and paperwork submitted to XXXX Rector XXXX XXXX Co on XXXX. Which is a company selected by Bank of the West. \n\nAfter a month or so I called Bank of the West wondering where my registration paperwork was. I told give it more time. \n\nOn XXXX, 100days after the loan was processed, I went to the tag office here locally and found out nothing had been done on the vessel in the state system. I called Bank of the West, I was told my case was elevated to a tier two level and i would get a call within 1 to 2 business days. 2 weeks later, no return call, so I had to call them back on XXXX. I was told then that they sent a message to the Documentation company on XXXX and no reply back yet. This is in direct contradiction to them telling me someone was going to contact me within 1 to 2 business days. \n\nI have {$130000.00} yard decoration that I can not legally tow on the roads in the state of Florida due to no tag being issued. I can not operate the boat on the waterways due to no boat registration being issues by the state in my name. \n\nI have repeatedly asked to speak to a manager when i call the XXXX number and the agent on the other end has just flat said no. This is unacceptable! \n\nThe title documentation company is selected by Bank of the West therefore they are the parent company and should take immediate and corrective action to get there own customer the documents needed for the vessel.","date_sent_to_company":"2021-11-12T20:16:52.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"34221","tags":"Servicemember","has_narrative":true,"complaint_id":"4904955","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF THE WEST","date_received":"2021-11-12T19:45:12.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem related to refinancing"},"highlight":{"complaint_what_happened":["The title documentation company is selected by Bank of the West therefore they are the parent company and should take immediate and corrective action to get there own customer the documents needed for the <em>vessel</em>."]},"sort":[13.170951,"4904955"]},{"_index":"complaint-public-v1","_id":"4652685","_score":13.151374,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Never received any bill for XXXX or XX/XX/2019 company has zero website zero mobile app they had my info mixed with other company was also notified of intent to restructure as vessel was only acquired under the assumption it would be converted to auto transmission Also advised it would be listed as auto loan it is improperly reflecting as a secured personal loan they have ignored all requests for restructuring and dismiss all attempts for two years to correct to ensure i have the right unit they have shown zero care Also unit has multiple recalls","date_sent_to_company":"2021-08-23T06:29:20.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"92532","tags":null,"has_narrative":true,"complaint_id":"4652685","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2021-08-23T02:23:35.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["Never received any bill for XXXX or XX/XX/2019 company has zero website zero mobile app they had my info mixed with other company was also notified of intent to restructure as <em>vessel</em> was only acquired under the assumption it would be converted to auto transmission Also advised it would be listed as auto loan it is improperly reflecting as a secured personal loan they have ignored all requests for restructuring and dismiss all attempts for two years to correct to ensure i have the right unit they"]},"sort":[13.151374,"4652685"]},{"_index":"complaint-public-v1","_id":"3669015","_score":13.034055,"_source":{"product":"Mortgage","complaint_what_happened":"In XX/XX/XXXX I applied for a loan to 80 % finance a debt of boat purchase amount of {$200000.00} I made a 20 % down payment of {$40000.00} and finance with Banco Popular of Puerto Rico {$160000.00} in XXXX XXXX a division of Popular Auto a  Division of Banco Popular, I tried to applied without pignorated any money certificate ut they required me in order to approved my loan, and required me the down payment of {$40000.00}, I went to XXXX Location and thereput {$160000.00} in a money certificate one of their associate change without my authorization and without my annuence the money certificate for {$160000.00} and someone enter to my house and took my loan documentations, where include a very important original documentation and change the paper of the certificate of deposit. after that I continued to make the payments of $ XXXX monthly until Ilost my divorced and properties division case on XXXX and lost over {>= $1,000,000}. Inmediately after I went Banco Popular ofPuerto Rico talked to XXXX XXXX and XXXX XXXX and explained the situation and they denied to accept the return of the boat, and obligated me to refinance the loan amount and pretend to take my certificate of deposit in hold forever, I insiisted to their lawyer that it is not legal, and they put the hold on my certificate for 10 years, I told them that I can't continue with forever perpetual debt for a boat, they look on all my accounts inside the bank without my annuence without my authorization and without my knowledge and said that I have money I replied to them that money is my savings for my hard work for over 12 years and i have it just in case of emergency because I have damages due to the divorce and clients refused to contract me and contract my exhusband, they didnot care nothing about what I said, I told them Icant continue but they refused to heard me. And I have to accept the refinance withou payment of interest in one year and make payments of {$1300.00}. Then after Hurricane Maria hitted Puerto Rico they devaulated the vessel by {$66000.00} of the value that  areinsured by {$200000.00}, they undervalue the XXXX {$140000.00} without any appraisal or estimate and said took or leave it, I have to accepted that all in coordination with XXXX XXXX XXXX XXXX and XXXX XXXX the insurance associate of Banco Popular. Then I suffered a economica injury due to business discontinuity due to Maria 's Hurricane Declared disaster by FEMA and other consecutive effects events and can't continued make the payments but the loan was uptodate never been back of payments, and Itried tohave a new settle because they denied me a moratorium in first with his associate XXXX XXXX and I replied to him That I received a letter for 3 months moratorium, but they wants the boat and the money that backup the debt with a certificate of deposit of {$140000.00}. I bring my keys my boat backpack and let them took the vessel from my vesseldeposit just to receive part of my money because they did not return my money of the certificate in totalamount, they ony return {$85000.00} in XX/XX/XXXX and freeze and took the rest amount of {$63000.00} for them and the boat that have a market value oof {$170000.00} minimal and saithat the boat have lower value liket just {$70000.00} to {$100000.00} just lying to me because they have customers to sell the boat and said that I have to pay for charges that do not belongs to me like XXXX, maintenance, repairs, debts and other that they never bring me a receipt. Then I fought and return part of the amount equal to {$38000.00} my money of my certificate of deposit but not complete, they sold the vessel in less than 3 months, and told me that the person that make the settlement left the Bank and was a lied and they did not want to return me the {$25000.00} and sent me a letter told mewith charges and that they did not return me the {$25000.00} neither the deposit neither any money left from the sold difference, they received money from the insurance agency that cover the loan and the vessel in case of I returned it, and they sold the boat privately without any public announcement without let me know about the auction that I have priority because I paid over {$180000.00} in all payments monthly, isurances, maintenance, upgrades, repairs, storage, etc and they sold it they received like thre times the original price of he vessel {$200000.00}, because I make payments from XXXX XXXX, down payments of {$40000.00} in cash, and allother previous mention payments and I was a disaster survivor, they put late charges, interest, and denied me the opportunity to stay with my paid property and took the property and my money too. I have other friends XXXX XXXX XXXX and XXXX XXXX XXXX that are in the same conditions as me and they treated them differently I was treated different in a bias way or discrimination for my gender, my age, and my, economic sitution since the loan application. They did not showed respect to me at all, and his lawyer that attend the meeting in the debt settlement knew that the bank are discrminated me and some occassions during the meeting left the room, my accountant XXXX XXXX was very upset with the sitution and told me by phone to make the transaction because the bank was illegaly actions on the loan and did not care nothing at all. They are committed fraud between their divisions XXXX XXXX and XXXX XXXX and took clients 's money and put very higher interest without valid reason, they have a business taking clients properties and their money, they have a monopoly in Puerto Rico, and when the client return to recover their properties they already sold their properties and didnot returned any money and win over property times de value. And then they reported to my credit report the total debt after the disaster, andwas anction took to recover from the disaster having them the property and received money from the insurance and sold the vessell and told to the credit report that I have {$140000.00} in debt for the vessel loan. They took revenge on me reporting to my credit report in order to affect me in order that I can't acquired anything killing my credit.","date_sent_to_company":"2020-06-01T20:20:55.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3669015","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANCO POPULAR DE PUERTO RICO","date_received":"2020-05-26T18:19:04.000Z","state":"PR","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":["that cover the loan and the <em>vessel</em> in case of I returned it, and they sold the boat privately without any public announcement without let me know about the auction that I have priority because I paid over {$180000.00} in all payments monthly, isurances, maintenance, upgrades, repairs, storage, etc and they sold it they received like thre times the original price of he <em>vessel</em> {$200000.00}, because I make payments from XXXX XXXX, down payments of {$40000.00} in cash, and allother previous mention"]},"sort":[13.034055,"3669015"]},{"_index":"complaint-public-v1","_id":"2580821","_score":12.927304,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I have a boat loan with Key Bank. My boat is a documented vessel - this is different than typical registration on a boat. My boat has a vessel name ( XXXX ) and a hailing port ( XXXX XXXX, CA ). I moved to XXXX XXXX last year and wanted to change the hailing port on my vessel. The XXXX XXXX requires me to get approval from Key Bank via XXXX XXXX Form XXXX. I contacted Key Bank and they gave me an address to send the form and required a {$100.00} fee to process the form. They said it would be processed in 5 business days. I sent the form and check to them on XXXX XXXX 2017. I was planning a trip to XXXX in XXXX so I wanted to get all the paperwork completed by then. After waiting 3 weeks, I contacted Key Bank. They said they never got my form or check. I informed them that they had cashed my check which was stapled to the form. They insisted that I send another check and form - this time they gave me a different address with a specific mail stop. I called the next week to see if they go the form. They said no. I continued to call and finally they told me they got it and were processing it. I made an additional 17 phone calls to various people including XXXX XXXX, two of this staff XXXX & XXXX, XXXX, XXXX and finally to XXXX XXXX. XXXX was able to confirm the receipt of my form and told me XXXX XXXX was processing it. I waited another 2 weeks and nothing. It 's now getting close to my departure to XXXX so I contacted the XXXX XXXX to tell them what was going on. They required another {$100.00} fee to un-do my request ( I paid them {$100.00} when I initiated the request with Key Bank in XXXX ). I had to re-purchase lettering for my boat to take it back to the XXXX XXXX XXXX XXXX and submitted an expedited request to the XXXX XXXX for temporary documentation so that I can leave the country. Key Bank XXXX XXXX me a document today approving a name change on my boat. I do not wish to change the name, I never requested that, I requested changing the hailing port. For 2 1/2 months now , Key Bank continues to be uncooperative on the phone and clueless as to what is being requested. They should not provide boat loans if they do not have the ability to process the simple paperwork required to meet XXXX XXXX requirements.","date_sent_to_company":"2017-07-20T22:39:20.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"983XX","tags":null,"has_narrative":true,"complaint_id":"2580821","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"KEYCORP","date_received":"2017-07-20T22:21:48.000Z","state":"WA","company_public_response":null,"sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["My boat is a documented <em>vessel</em> - this is different than typical registration on a boat. My boat has a <em>vessel</em> name ( XXXX ) and a hailing port ( XXXX XXXX, CA ). I moved to XXXX XXXX last year and wanted to change the hailing port on my <em>vessel</em>. The XXXX XXXX requires me to get approval from Key Bank via XXXX XXXX Form XXXX. I contacted Key Bank and they gave me an address to send the form and required a {$100.00} fee to process the form. They said it would be processed in 5 business days."]},"sort":[12.927304,"2580821"]},{"_index":"complaint-public-v1","_id":"3915617","_score":12.678581,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Purchased sailing vessel and obtained loan XX/XX/XXXX. \nLoan satisfied XX/XX/XXXX and received documentation of the same from lender, USBANK. \n\nXX/XX/XXXX phonecall to bank and told title would be mailed within a few days Called twice more within subsequent 4-6 weeks and told title still in process. \nCalled XX/XX/XXXX and told title was indeed mailed to my correct home address on XX/XX/XXXX, I did not receive it. It was mailed 1st class USPS. No tracking. \n\nUS Bank still trying to find title, but suspect it is lost.","date_sent_to_company":"2020-10-23T15:24:36.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"34119","tags":null,"has_narrative":true,"complaint_id":"3915617","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2020-10-23T15:19:46.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["Purchased sailing <em>vessel</em> and obtained loan XX/XX/XXXX. \nLoan satisfied XX/XX/XXXX and received documentation of the same from lender, USBANK. \n\nXX/XX/XXXX phonecall to bank and told title would be mailed within a few days Called twice more within subsequent 4-6 weeks and told title still in process. \nCalled XX/XX/XXXX and told title was indeed mailed to my correct home address on XX/XX/XXXX, I did not receive it. It was mailed 1st class USPS. No tracking."]},"sort":[12.678581,"3915617"]},{"_index":"complaint-public-v1","_id":"7475272","_score":12.648495,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Hello I called Westlake 4 different times requesting a discount for payoff being that the vehicle is faulty and has rain water flowing throughout the vehicle, The water is leaking all through the vehicle some places I have no idea where the water is coming in from. I was told they could not assist me with any type of discounts for payoff. I explained I don't think it's fair I make monthly payments on a faulty vehicle that could possibly be a dangers vessel for me and my family. I don't have the exact dates. My last call to Westlake was about 10 days ago.","date_sent_to_company":"2023-08-30T16:50:37.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"32819","tags":null,"has_narrative":true,"complaint_id":"7475272","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2023-08-30T16:24:27.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["I explained I don't think it's fair I make monthly payments on a faulty vehicle that could possibly be a dangers <em>vessel</em> for me and my family. I don't have the exact dates. 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