narrative.txt

They continue to insist I owe them and collection agencies are after me. 
How can I stop this harassment for a bill I already paid four years ago?
Wells Fargo did not reduce the interest rate, but they did reduce the payment by less than {$100.00} and the payments I was behind went back into the loan. 
My property taxes also fell behind in my escrow account at this time because there was no payment on the loan. So, I am behind on my property taxes, have damaged credit, and and I am not in any better payment situation than I was. 
I feel that I have been taken advantage of by Wells Fargo and would like to pursue legal action against them based on negligence. 
Although my payments are back on track I am not making much more money now than I was before so it is only a matter of time before something like this happens again if something unforeseen happens to my life that affects my finances.
3 ) Not following the guidelines for the application and appeal process set forth by the Federal government for loan modifications. 
4 ) Wells Fargo falsely falsely accused customer of not submitting enough documentation to support appeal of original denial. 
5 ) Customer we given false and conflicting reasons for denial.


For the loans where my mother is the primary borrower, she has one in a lower payment plan. We have confirmation numbers for the payments and they have been taking them out of her checking account, but then we received a letter in the mail stating that the payment plan has been rejected ( no reason why, which we 're trying to find out in writing. ) Yet even after the date the letter was sent, the money has still been taken out of her account by Navient. She 's also still receiving letters and phone calls that that particular account is delinquent, even though she 's making payments on it. 


Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

This is NOT a request for " Validation '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agree to pay what you say I owe ; Provide a validation or copy of any judgment if applicable ; Identify the original creditor Prove the statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
If your offices fail to respond to this validation request 30 days from the date of your receipt, all references to this account must deleted and completely removed from my credit file and a copy of such deletion request shall be sent to immediately. 
I would also like to request, in writing, that no telephone contact be made by your offices to my home or my place of employment. If your offices attempt telephone communication with my, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit, All future communication with me MUST be done in writing and send to the address noted in this letter. 


Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
A complete written history since judgement was rendered by the court toward my effort to establish payment schedule, through counsel is 100 % factual. This Collection agency - Javitch & Co. has totally ignored all requests by counsel & has circumvented equitable protocol to establish a payment schedule for re-payment of this debt.

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
I have been receiving repeated calls from a private number at work. When I answered the individual informed me they were from World Wide Assets and this was an attempt to collect a debt. I then informed him that I was at work and could n't receive personal calls at my work number and asked that all calls stop and I hung up. He then called right back and I reiterate that I could n't have personal calls at work and hung up again.


Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.




We have attempted contacting the credit bureaus as well and have been unsuccessful.
What can I do?

Incorrect information is being reported by the credit bureau 's. My identity was stolen.
This bank of america, gave all my money without letting me know to a some type of collection agency because they said that they receive a letter from a lawyer to take all my money and hold all my assests. Which they cant even tell me whom i owed with? First of all i dont owed anything that is more that {$2000.00} and second how thry can just garnish my money and gave it to the agency without letting me know and last how did they get my bank acct information?
I am VERY unhappy.
2. The account name is " Structure ''. ( What is " Structure ''? NOBODY can explain to me what " Structure '' is? ). 


If MCM and nobody on the business end can provide me with any of the following information to explain to me who, what, when this account was and what it was? I wish that MCM make no more contact or communication with me and wish to please be forgiven of this mysterious " debt '' I owe in the amount of {$990.00}. I have done all that I can do by receiving these letters, following up with MCM and I get the same run around with no answers to my questions and especially this " debt '' going on 11 years now. 

Again I am asking you to please forgive me of the above debt. This has been a hassle for the last year on my end. Nobody can provide me with any type of paperwork, documentation, signature or what " Structure '' is? 

Until further notice please do not contact me via mail or phone. 

I thank you kindly for your time and patience in regards to receiving and reading this letter!
I 'm receiving calls from a company who will not give me their name threatening to have my license suspended over a payday loan that I have no recollection of. They are also threatening to have warrants issued against me. Not only will they not tell me their company name, but they will not provide any documentation about the supposed loan.
I have a contract with a guy whom has an account at PNC Bank, I 've been cashing my check here for over a year with my drivers license and pre-paid bank card. They are no longer cashing my check that 's on their back unless I have a major credit card? Or they said I can use a work Id I work for myself do n't have one, or a passport, it cost {$100.00} 's of dollars I do n't have that kind of money and lastly they said a car registration I do n't have a car. this is oppression to the poor, If I can ; t qualify for a major credit card how can I pay my bills? This should not be allowed because not everyone can qualify, if my drivers license and debit card is ok to drive and use my debit card everywhere major credit cards are accepted I do n't see how this is not an acceptable form of ID for PNC



I would like to be credited in full, of all the fraudcharges including, the charges for products andservices, they claimed they offered that I 'm notsure what they are. I did not apply for creditwith this company, or with any one that maybe associated with as a victim of fraud. 
I feel like I 'm being scammed agained. 
for these reason I do n't use credit card norapply for credit.i do n't feel safe.

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
We were told the following : Sell our units to the new owners at the same price which was given to them by BOA Continue to live in our unit -- -knowing that the building will no longer abide by the condo Bylaws, but instead will be operated and managed as an apartment complex. 
We were also informed that we will never be able to sell our unit on the open market because of the rental average of the building. 
Our condo was purchased in good faith. We 'd everything that was right under the law. The present situation we are in is no fault of ours. The housing market tanked, and BOA did what was best for them -- -sold their units to the highest bidder -- - NOT CARING ABOUT HOW THEIR DECISION WOULD AFFECT THEIR HONEST CUSTOMERS THAT PURCHASED AND HAVE MORTGAGES WITH THEM. -- -- TOO BIG TO CARE. The investors on the other hand needed to realize a profit quickly changed the Bylaws to protect their investment. Who cares about ordinary Americans like us no one? We are the casualty of the housing bubble. We could have walked away them this situation like many other American, but we did n't because we are honest FOOLS.
Ocwen loan servicing is the servicer of my loan. 
1. They refuse to talk to about anything. 
2. They refuse to send me any papers. 
3. They will not send me my statements4. They will not send payment statement. 
5. They will not return any letters or phone calls. 
6. They refuse to let me know what owed on loan. 
7. They refuse to let me know if they received my payments. 
8. They refuse to let me know what my payments are. 
10. They double charged me for insurance. 
11. The only thing that they will say when I call, is that they were told not to talk or send anything to me due to I filed litigation against them. 
The nation is in a foreclosure crisis and the courts are full of foreclosure cases. There is no excuse for this conduct by Ocwens loan servicing. They may cause this loan to go in foreclosure for no reason what so ever.
This debt collector has called me numerous times from a private number, contacts every single member of my family numerous times, and has called me at work. They even called my oldest daughters boyfriend, who has never been affiliated with me, on a phone number he just received 3 days ago. I have told them to not call me again, I do not owe this debt and the calls keep coming. They are now stating that they have a case against me and they want my home or work address so they can serve me papers. I want this to stop.
i recently closed and paid off my citizens bank credit card account ove one month ago. Today i received a call from them saying that my account was past due.now, they never sent me a letter in the mail saying that i owed them money after i have requested a payoff and paid the balance in full. they are attempting to report my account past due for 33 days with the credit reporting agencies. i have worked tirelessly to build my credit, and now Citizens bank wants to destroy over {$27.00} when they never had any type of notification in place to make me aware of the balance.
This process has taken way too long. Many of the documents that they keep asking for do not change. The only thing that changes slightly is our pay stubs and bank statements. We need help to get this finalized.

Thank you.
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
ALLY bank doesnt accept other form of identification but a social security number

SOMEONE USE MY INFORMATION. THIS ISNT MY ACCOUNT.

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Carrington Mortgage Services Research dpt. 


Still, ECMC has continued to insist I have not fulfilled the requirements of discharge because I have not submitted a " court judgment '' indicating I am the victim of fraud. 









I have a car loan that I have paid over $ 8k but they are reporting only {$300.00} paid down on principal. I disputed the balance with the bureaus but nothing. 
I wonder how the bureau validated information when the company has not provided me with copies of my payment history as request amortization schedule. 
I need to know where my money has gone. No one is providing me answers or getting me records.


It has been months since we have heard from them. And we still have no idea where our loan is.
I opened a checking account with First Merit Bank because there was a flyer that was sent to my home stating that I could receive {$150.00} worth of credits to my account if I followed certain procedures for opening an account. The procedures are in {$25.00} increments. I have ( 1 ) opened a checking account with Mobile Banking ( 2 ) enrolled int he merit rewards program and ( 3 ) I do participate in the direct deposit program to the account. Since I have opened this account I have been receiving fees of {$35.00} stating that I have had many overdrafts. I have discussed with the bank that I have a tight budget and call and go on-line constantly but they always seem to place the blame on the merchant and hold money for 2 to 3 days knowing that the purchase was made when I had the money in my account. I have been charged almost {$300.00} in overdraft fees in 3 months since I opened the checking account. I have not seen the {$150.00} activation reward in my account nor do I merit all of the fees that First Merit has charged to my account.
I would like to keep this property if at all possible. thankyou. 
.
This individual has called me almost every single day in regards to credit card debt that I have been unable to pay due to unemployment. He leaves numerous messages. He has called my parents, my brother, and most likely other individuals that share my last name. I called him today and he threatened me by saying that if I did not pay a certain amount that legal action would be taken. He hassled me to ask family members for money. I told him NOT to call my parents as I have not lived with them for 15 years and they would not be paying this debt on my behalf.












I am writing to inquire about what the terms or grounds for harassment are regarding a student loan lending company? I am struggling to find a stable and secure position within my degree field and I have every intention of paying back what I owe in debt. However I am in a position that I do not possess the financial means to pay the lump sum they are demanding. 



Thank You.
I have brought this to the attention of Wells Fargo ; they have told me they would investigate -- I sent a follow-up email to the person supposedly handling the matter at Wells Fargo -- yesterday she responded that she would ignore all of my emails and not provide me with any response -- it was as though this person was covering up for the person that forged my signature.
an amount on my credit report which is not in my name nor have I had a history with this company
Caliber Home Loans does not have a Single Point of Contact on any file. Ever. They refer you to a " SPOC Dept ''. You can NEVER get out of their prompt system. They provided a modification agreement without a term and maturity date.
Transunion conceals customer service hotline on company website. I had to go to a consumer info sharing site to get the number. I am convinced the number does not appear at all on their own site.
Asset Recovery, they call under both names, continuously harrasses me on my cell phone and now they have started to contact me at work. Even going so far as to misrepresent themselves as contacting me on behalf of my employer ( while I was at work ) and asking me to confirm my ss # etc. They then laughed when I would n't and said I would most likely be fired. 



This is a horrible horrible business and it seems there is no recourse.


3. How can you calculate 42 % of 0.0 income? 
I called in to Capital One to ask what this meant and they said that I could no longer use the accounts but they would remain open and I would still get a yearly charge for them but I could not use them again. 
They did not inform me when they took my money, nearly {$1000.00}, that I would not be able to use the cards anymore. 
Also, when I checked my credit, they reported me for being 120 days late which I was not, and never updated my balances to zero. They are still reporting the old balances.
5. Correspondence from Wells Fargo also confirms that there is no active foreclosure and that no sale date has been set. 
7. In the same aforementioned phone conversation, Complainant requested clarification and reason ( s ) why a judicial action involving the Complainant to seek Declaratory Relief to publish foreclosure notices was active despite the completed loss mitigation application. 
12. Despite the active loss mitigation application, the action to seek a declaratory judgment to publish foreclosure notice ( s ) continues to the detriment of the Complainant and others. 
13. Complainant is forced to continue to expend, resources including substantial time and money defending a separate action which seeks to set dates and publish foreclosure notices while a completed and acknowledged loss mitigation application is being considered in violation of Dual Tracking. 
RELIEF SOUGHT14. Complainant seeks assistance to end the practice of Dual Tracking, which involved and is not limited to the petition for declaratory judgment to publish foreclosure notice ( s ) and date ( s ) for foreclosure on the subject property. 
15. Furthermore, Complainant seeks assistance in requiring Wells Fargo to answer questions in recently sent QWRs completely or give specific reason ( s ) why such question will not be answered.
This isnt my debt
I have successfully contact the debt collector to arrange my file but i was told that they could not provide me with the information. i was asking to find out what is it that they are charging me for ( invoices, letter, etc ). They did not provide the information for my inquiry.
I am hoping you can help me resolve what I feel is unfair reporting and unclear communication with a prior lender about an old account in default. 


I would like this removed as soon as possible and if they feel this is not yet supposed to be removed legally I am at least owed a very clear explanation of when it is scheduled to be removed. 




Thank you.




regards
I also ended up travelling out of the country during this time, and was unaware of the issue of the missed payment. Ironically, Chase called me only once, at that time I was checking out through customs and being hurried and was not able to comprehend what the phone rep may have been saying. When I finally arrived back, I realized the delinquency on the chase account, after which I promptly made the account current. 


Much to my surprise Chase refused to remove the late payment, in spite of me providing them with the information they had requested.
CitCards has been charging me a penalty/default APR for over 2 years, yet the pricing information for account says the rate only applies for 6 months. I have brought this to their attention, but they have not resolved the situation, and have refused to do so. 

A copy of my email exchanges with them, as well as their Pricing Information is attached. See the section titled " Penalty APR and When it Applies '' and the subtopic titled " How Long Will the Penalty APR Apply? ''
TD Bank is and has been improperly charging services fees to a checking account.
My mortgage company city mortgage would rather foreclose on me then except my monthly payments. I 've been fighting with my mortgage company for two years or more. I believe this is predatory lending and fraud. I went through a modification I signed off on the modification and they still foreclosed on me.

At this point, I completed the final earnest deposit installment with the builder for a total of {$12000.00} which authorized the builder to began making a few requested customizations to the home and set an closing date as well. 



I applied for the Paypal Extras Mastercard and was told by Sychrony bank I was approved for 300.00 on the Mastercard. What I got was a paypal account that can only be used with paypal vendors. I did n't not apply for a Paypal smart connect account but this is what I received. I did n't authorize them to run my credit for the smart account. I only authorized my credit to be ran for the mastercard account. Now I have a hard inquiry on my credit and a closed Paypal smart account which now will affect my credit score.
Stopping Foreclosure


NationStar Mortgage LLC














I hope the court can offer any consideration to avoid the complications and price of foreclosure. I would like to remain in my home to regain my health, find employment and manage home ownership. 

Respectfully,







I am not an un-educated fool and know otherwise. A supervisor attempted to get me to identify myself further only when I started mentioning the laws in our country against un-fair practices to which she said they 'd be calling back later. That is classified as harassment and a threat. 




This has also happened.
So when I called Discover card, I was told that this would be taken care of no problem, since there was no signed contract. 
Please help me. I refuse to pay this but am afraid it will ruin my credit and I have always strived to be a good citizen. I must say I 'm disenchanted. How could this happen? Nothing means anything anymore. A blank contract is good enough? How could they be so ignorant or did something change with contracts I 'm not aware of??? Thank you for your help.
I sent the below letter to Bank of America for a resolution, which they denied. I believe their actions are unjust. 




I am asking that you have compassion, thereby reversing the charge-off on the aforementioned account, in so doing allowing me to pay my outstanding balance in the amount of {$1200.00} without such a steep penalty. I really like Bank of America and hope to be a customer again, when my financial situation changes for the better. 

Thank you kindly for your consideration, time and immediate attention to this matter. Providing you require additional information, please feel free to contact me.
Was unaware of debt owed and no contact was attempted by the collection agency or the school. I found out when I received an email from my credit report monitoring company contacted me.
I have lived in my home for 30 years and am in danger of losing it at auction due to the actions of my lender Caliber Loans. I have endured extraordinary hardship and have slowly rebuilt my life and situation. However, Caliber has refused to open a review of my current financial situation, has not assigned a case manager or dedicated contact and has told me the only options is to short sale or reinstate the loan in full, which is not possible. I do n't understand how they can refuse to even CONSIDER working with me or helping me or looking at my current financial situation, which has changed considerably since my last review. They received millions in bailout dollars, I thought they were supposed to look at my information and give me a chance. 



I have tried since then to re-engage with Caliber and have not made any progress. My business and income have continually increased and now my son who lives in the house is working as well and contributing his share. If Caliber were to actually take the time to review me for all retention options, something they are REQUIRED to do due to their acceptance of government bailout funds they would see that I fit into guidelines for assistance. Their continued refusal to even give me a seat at the negotiating table is outrageous.

I do not know what it is all about since we do not have any financial arrears? 

Do not know if this is a scam either?
I said, ok and in good faith gave my bank account number. 
As a hard working citizen, I have responsibility to support my family and then thinking of a dream home. But things like this has threatened my integrity and and the credit score. 
Therefore I request you to contact the bank and consider this case null and void and close it forever without affecting my credit. 
Thank you
My former mortgage company was bought out by Green Tree. My statements from Green Tree are now about {$300.00} more a month. I have a fixed rate and nothing else has changed. I went to my financial institutions mortgage specialist and he reviewed my disclosure statement from Green Tree. It looks as though Green Tree raised my PMI and is now charging me {$4000.00} a year ( approximately ) for PMI that I have not had on my mortgage for the last 11 years. I feel this is a dishonest charge from them. Furthermore, the mortgage specialist seemed to think it was not a legal tactic to raise the PMI by that much.
We are at our wits end with this. 
Please help us get this resolved. 
CitiMortgage legal Counsel, who is also aware this is being disputed, again sent another letter stating that Foreclosure Proceedings were going to start. Even though this is alleged debt is being disputed under the FDCPA. The cat and mouse game is getting really old. 
This debt has been on my report for over 10 years, please remove it.

MANY HARASSING PHONE CALLS PER DAY
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!


I have never heard of this company or bank, have never done business with them, and certainly do not accept any unsolicited credit/debit issues. 
Offers of this type can cause serious financial damage if intercepted by a crook.
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
PNC Mortgage forces me to pay {$7.00} fee each time to make a payment online, even if weeks prior to the due date. They either force you to bank with them, which I do n't. Force you to setup recurring monthly payments, which because I get paid bi-weekly, I do n't want to sign up for as I pay my mortgage early, but differently each month. The last option is to send them a check, which still costs me money because I do n't write checks.
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CALLING ME IMMEDIATELY!
Please advise. Thank you for your time. 
*******************IF you choose to publish this, PLEASE REMOVE MY CREDIT REPORT NUMBER! THANK YOU! **************************************************************


- I got email that the call back the funds and will refund soon as I return to US soil. 
I appreciated for your immediately actions. 
I have sent this company a debt validation letter as I do not believe that they have a right to collect this debt and/or report it on my credit report. This company has not sent me any reply to my debt validation. 

They have also unfairly changed the status of the collection account on my credit report to say " consumer disputes this account information Collection account ''. This is unfair as I have only asked them to validate the debt and have not formally disputed it.
The apartment complex did n't provide with an accounting of the moneys deducted from the security deposit within 21 days per California civil code 1950.5. 
Regardless, my deposit well covers all the charges they are stipulating and I still have not get any money back. The manager told I should not be charged for the carpet cleaning since it was not clean when I moved in. I consider that the charges are grossly exaggerated.

This company has not only failed to validate my debt, but they 've also ignored every chance I 've contacted them to cease all phone communications. Now they 're harassing people that are n't even related to me, as well as my family. 

I will, gladly provide more information if needed.

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
I was served with eviction paper from a man claiming he bought MY home from American Financial. I have tried several times to contact American financial several times with no response. American Financial claims to have loaned money to my deceased husband. But all papers filed were dated after his passing. They refused to work with me because I was not on the note. The house is in my name solely. I never heard of any loan before his passing. Now this company sold mine and my children home. I am a young widow, with no money to even get an attorney.

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Thank you kindly for any advice that you may be able to provide me.
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
PS : In the last conversation with TD Bank today they said this charge is for the checking account, and over draft coverage, not the home equity loan. I was not ever told that we would be charged and the person who set up the equity loan has left that bank. Is this legitimate to do.
They sent me another letter this week demanding all my personal info including banking, car and mortgage! I was horrified and did not provide it to them! 
What should I do???

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
I disputed an account. I received a response stating that it was deleted. I had someone pull a tri-merge credit report on my after receiving the results, and the account was still on my credit with the credit bureau that stated it was deleted.
I was offered a pre-paid card from Continental financial, but was not interested in their services. They made an inquiry into my credit which has negatively affected my credit. They will not remove the inquiry and it has negatively impacted my credit.
Statebridge company LLC this mortgage company do not cooperate with anybody or anyone. 


This is from a disputed debt back in 1993. It has been sold and resold. I have called them and they continue to attempt collection.

I just want them to stop calling. Can I get some assistance with that?


Debt collector is consistently calling on private cell phone. Did mail request to discontinue calls and they continue, at my expense.


called and said they have been trying to contact me and will take matters in their own hands.

I have no knowledge of this collection and it does not report on the other bureaus. I have disputed it previously and requested verification of the debt but it has reappeared and contributed to a recent denial of credit.
my credit card debt of {$830.00} was sent to United Recovery Systems. After constant harassment in the form of multiple phones calls at odd hours of the day, they offered me a settlement deal of {$410.00} and was told to secured the deal by giving them my bank account number so they can do a direct draft of $ 50 monthly. I agreed to the settlement but rather opted to pay them with a cheque and also promised to pay the rest of the settlement as soon as my income tax refund is received. 
I made the first {$50.00} payment and immediately they received the cheque they turned around and told me the amount will go towards the balance of {$830.00} and then they can not offer me the settlement. I therefore feel that they have breeched the agreement they had with me and also taken my money.
I made the first {$50.00} payment and immediately they received the cheque they turned around and told me the amount will go towards the balance of {$830.00} and then they can not offer me the settlement. I therefore feel that they have breeched the agreement they had with me and also taken my money.


I hope through here I can facilitate some type of electronic communication to get this resolved. I also prefer electronic communication so I have the documentation for my records in case I need to go to court regarding this issue as I will need to represent myself and need the documentation on my end of my efforts.
Company called my employer regarding me, and left a message identifying them as a debt collector.
My daughters and other family members have been getting repeated recorded calls on their cell phone and home phones. 
Recorded calls say there is a civil matter with my name and SSN attached to it. They do not leave a valid number to call back on. 
[ Summary ] 1. My property tax deposit on escrow account statement is incorrect ( 30 % more ). I submitted all required documents to request the correction but no response was received and no correction action was taken. 
3. I requested a cancellation of my escrow account and was denied by the mortgage service company by terms that were never disclosed to me. 





I received a letter from the mortgage service company today, the company did not response to my statement regarding the late payment or any remediation. It simply declined my request of cancelling my escrow account because1. The Loan to Value Ratio must be below 80 %. 
2. The Loan must have 12 months of good payment history. 
3. Taxes and insurance that are due within the next 60 days will not be applicable for an escrow deletion. 
All these terms was never disclosed to me before of after my closing. I agreed to signed up an escrow account during closing despite my Loan to Value Ratio is far less than 80 %, but there was no disclosure of such terms neither did I sign any document to accept these terms. I believe the mortgage service company and title company are obligated to disclose this information if it is against me, which it serves now. 

I want all of the debits and anything to stop hitting this account. I want for everysingle overdraft fee to be refunded. I want to pay the balance that was actually paid on my behalf and I want this account closed.



I have completed all payments, but it still shows as an open collection on my credit report.
I called Barclay customer service and told them that the {$1000.00} was an unauthorized transfer and it happened without my knowledge or consent. They waived the {$30.00} transfer fee but told me that they could n't reverse the charges because it was already paid. I advised them that this was unauthorized transfer and that Barclay did it without authorizing it through me and did the transfer anyway and using an arbitrary amount of their own choosing and an amount other than what I agreed to on the application. 

I said that since it was in my mind an unauthorized transaction the responsibility of it falls on them to reverse this transaction and the burden to send them money is not on me. They said no, it could n't be done because it already was processed. I requested the new Barclay MarsterCard account to be closed. 
My point is that since my initial credit card balance was only {$1500.00}, which was way less than the {$10000.00} transfer amount that I requested that the transfer was not going to happen. Furthermore, I had not activated the card and was considering if I was going to keep it or not. 

It is my view that Barclay acted on their own performing transactions without me knowing about it not verifying with me if these were my wishes. If they would have contacted me and asked if I still wanted to transfer a balance since my initial credit line was way smaller than the transfer amount I requested it would have had a very different outcome. 

Calling for someone that does not live with me and never has.
i tried to sell my computer online and accidentally sent them money instead of accepting their payment


When I logged on to my Macy 's account I paid the balance in full but had made a purchase that did n't reflect on my loan balance at the time of pay-off. I called the creditor and I asked them why did n't I receive a statement or a courtesy call and if they would remove the 30 day late off my account as I 'm in the process of buying a new home. I was told my statements went to an email account that I have n't had in 8 years. I asked what their process was when the statement is rejected by the address and was told nothing. I believe they need to update their system to show all outstanding balances and have a better process to notify their card holders of any returned electronic statements. This is very disappointing news as my mortgage rate will now go from a 4 % to a 4.875, I have since cancelled my credit card with Macy 's.
The loan servicer has made repeated mistakes on my mortgage loan which it refuses to correct or investigate, issued notices of default for amounts that were not yet due, eventually stopped accepting my payments and has sued me for foreclosure. 
The servicer continues to charge me late fees after acceleration and during the foreclosure lawsuit. 
The servicer 's lawyer will not permit me to communicate with a sole point of contact at the servicer, make Requests for Information or Payoff Requests and is refusing to respond to the Requests for Information or Payoff Requests. 
I am being denied an opportunity to save my home and avoid foreclosure through the Making Home Affordable Program. 
The servicer and its lawyer are forcing me to accept a nonHAMP, nonaffordable loan modification that is not based on my income or ability to pay with a balance that I do not agree with because it includes fees and charges I have tried to dispute or be faced with a possible foreclosure judgment against me and loss of my home. 
I am being forced to sign a loan modification agreement whose payment terms I do not understand, am not able to compute mathematically, and whose balance includes fees and charges I am not being allowed to dispute or have explained to me by the servicer. 
The servicer is subject to an existing Settlement Agreement with my state 's Attorney General, and my loan is eligible for coverage under that order, but the servicer and its lawyer are forcing me to either accept a loan modification that is not based on my income or ability to pay or be faced with a possible foreclosure judgment and loss of my home.

I combed through my bank accounts, looking for other instances of fraud, with no help from TD Bank. They could not provide even the most basic information about transactions, leaving me to do my own forensic accounting for hours. I discovered more instances of fraud, but the manager told me that I would not be reimbursed for anything over 90 days old. I asked for better fraud protection, such as a text alert for any transactions over a certain dollar amount. The representative told me they did not provide that and would not be doing it in the future. They repeatedly said " It 's your responsibility to review your statements. " TD Bank is making it harder for consumers to detect and prevent fraud, then they are refusing to reimburse for older transactions. Making this difficult for the consumer is beneficial for them financially. They are making money off of their unsecure banking. 



I further told them that they are no longer allowed to call my home, cell or work until I recieve from them the letter.

Each month Ocwen sent me a loan statement reflecting a acceleration of the debt. 


I contacted Quicken to get this inquiry pulled. The refuse to remove it stating that I signed a document stating that they can pull my credit whenever they want. I told them that I am no longer interested in the loan and they should not have pulled my credit without asking me.




I try to look at my credit report online, the system will not let me see my credit report but will let another credit company that i pay to have to see my report, when i go to look at it, the require all this information to send to them like my picture id and socail security number and a copy of my phone bill, they will not let me dispute my information, I have sent them copys of all my information certified mail, still will not let me dispute or look at my credit report, I have to pay another company for them to pull it, give it to them but not me ... Thats crazy, Experian is the only one that iam having a bad time with.
This collection agency has put a debt on my credit reports. I spoke to them about this and they said they sent a collection notice to an address I have not used in almost 10 years. I have not been able to dispute this debt nor have they sent me any thing to validate this debt.


I am asking that you have compassion, thereby eliminating my outstanding debt as well as send communications to all credit bureaus to have them remove the item as well. 

Thank you kindly for your consideration, time and immediate attention to this matter.

In the event I am laid off this year I will default on this loan with this high payment of {$580.00} a month. I need Capital One Auto finance to drop my interest rate to a non-predatory rate to be no more than 8 %. Please review documents that prove I have paid on time and have no late payments on my credit report for the last 15 months.

Plain Statement of FactsDefinitionAlleged Lender now is Bank of America N.A . 







below is my complaint to them. 
PLEASE ADVISE. SO UNDER THE PROVISIONS OF THE USCFPB AND THE US SUPREME COURT I AM GOING TO HAVE TO SEE ALL LOAN DOCS FOR THIS 15 YEAR LOAN INCLUDING ALL SETTLEMENT DOCUEMNTS ALL PROMISSORY NOTES AND ALL MODIFICATION DOCUEMENTS ON THIS LOAN THAT YOU RECEIVED FROM YOUR PREDECESSOR NATIONSTAR. 
I received a letter in the mail stating I had a ticket that I owed money for. When I called to find out what they were talking abut they said it was for a speeding ticket in Illinois in 1999. I was nowhere near there at that time.
Through unfair business practices Compass bank has changed the life-time NO-FEE contractual terms of my business checking, and started charging monthly fees, all without my consent, and have completely failed to notify me of any changes whether by email or by paper mail or by phone. As a result the unauthorized fees caused my account balance to go down without my knowledge, which in turn caused NSF charges, generating improper funds for the bank. Upon finding out of the problem I immediately went to a Compass bank branch which suggested I call a phone number for assistance. I demanded to talk to a person who acknowledged that her bank did not notify me of changes to my account no-fee terms, but refused to resolve the issues. I demanded that Compass bank reverse all improper and unfair fees and charges, that Compass bank return my original fund and close my account at once. The lady Compass bank executive I talked to refused to close my account, stating that I must pay all the accumulative fees and charges first, and that those charges will continue accumulating indefinitely even while the account is in dispute.

Once recorded HUD will review the file and advise claims to complete the final steps to close out the file. This includes the issuing of any incentive funds and is typically 60-90 days from recording. 

I received a letter, collection letter from Central Portfolio Control, they stated that because of interest, late charges and other charges that may vary from day to day, the amount due on the day you pay may be greater. In addition, this is the first time I have received a collection notice on this amount and have not received any information on when the service was/if it was provided by the Hospital they are collecting for. They want me to send in a payment and then discuss options? It does n't even give the date of service..
I would not have applied for the card, but for the offer.

1. 
2. 
The rate of exchange has been discounted therefore the recipients are not receiving the correct amount in local cureency based on the current exchange rate3. 
western Union charges a fee for each transfers in addition to discounting the exchange rate. 
5. 
I also had issue checking if payment were made and how much I owed due to not being able to see a statement on my Charter workflow. I asked ( sent requests ) about this statement issue several times and could not get good answer why. They would tell me due to status. 
I attached copy of transfer failure that I looked up after a realized that the payment were not really going through. 
My issue is with this account being put in this status without ever being called or a letter written to me. I attempted to pay Charter $ 500/month and the only reason you did not get paid, was because Charter 's own bank stopped these payment, not me!!! 
I requested this credit information be removed from my Credits Reports and this account re-established so I can set-up auto payments. I requested Charter One to understands my frustration with this and that I was always willing & attempting to pay on-time what I owed. 

I have previously filed a complaint that is still pendingresolution. My new complaint is Nationstar Mortgagedisbursement of my last month payment. They appliedall my payment to the principle, added late fees and nowwant 2 months payment. They are charging me escrowfor insurance I pay for directly to my insurance company. 
I have many other complaints with Nationstar but firstI need to get my mortgage payment corrected



Our loan finally went through and we dealt with an exceptionally good title company for closing. My IL driver 's license had expired, but they assured us this would not be a problem. At closing, we were dismayed to find that we had been assessed private mortgage insurance at the cost of $ 66/month for the next 5 years. The closing company told us that we would need to sort this out after closing. 


After dealing with Discover themselves and seeing how horribly we were treated, our title company held an impromptu meeting where they decided that they would refuse to deal with Discover Home Loans again. I think that that speaks volumes. 



Several paid collections came off of my report, then after I bought my house, those mysteriously came back on.

I have been living in the same address now for over 5 or more years.
TD Bank consistently applies my payment significantly after they receive it. This is resulting in higher than disclosed interest charges.

Distraughtly concerned,
I have written and contacted Equifax so many times, and their most recent shenanigans involves them not removing items from my credit report, even after the collection agencies have notified them to remove such items. There are accounts in collections that the companies have stated should be removed but the credit reporting company is neglecting the requests. I am asking that the items be removed today! and an apology letter to follow.
Navient informed me that I can afford nearly {$150.00} more a month in payments. They stated that they gave me {$77000.00} and they do not need to offer any help to me. They demanded that I pay what they said or I will be sued. They threatened to sue me numerous times. 



I paid off the entire balance of my Capital One Visa Credit Card. Capital One continued to charge me fees on a {$0.00} balance account. When I realized this, I tried to cancel the account. Capital One does not have any easily identifiable way to cancel their accounts listed on their website. It took longer to shut down my credit card account than it did to open it.

My wife and I applied for a home loan and the bank provided to us negative accounts that affected our approval. When reviewing the information World Finance Corp showed up with a balance of {$580.00}. I have no idea what theses charges are for and when attempting to contact the company no one could give me information or locate information stating a loan was ever received.
I have received absolutely no notice of this account from anyone. It is reporting to my credit, and I have no information available to me to even attempt and resolve it. I have no record of the amount they are claiming I owe, and have been provided no information whatsoever to validate their claims.
This is an additional dispute being filed as I was advised to do by a member of your team that I spoke to on the toll free number today. 


I recently joined creditkarma.com to begin to rebuild my credit. 






I would appreciate any assistance you can provide regarding this issue. 

My irs payment was not remove from my public records, When I went to purchase my home it pulled up in public records. Please remove out of public records attach you will find the proof. they remove it off my credit report but not public records

Also, they have been reporting incorrect late payments and other data the entire time it has been listed. They verify the data when I dispute and will not respond to letters requesting method of verification.
so i called for that reason and i got it back. 
i asked the teller what kind of information you need to make it happen so she said both bank accounts that 's all. 
i do n't know why i was mistreated like this? i asked all my friend none have any complains! 
please make sure to keep this big cooperate banks in line. 
thanks for reading. 
Kind Regards.
Macys credit card system application takes them a whole day to fix a problem, they do not give the right information to customers to the point that you dont know what to believe anymore. It is frustrating to wait and wait to get answers that only leaves you with more questions and upset. Im really disappointed at the customer service im receiving every time i call i feel like im making an out of distance call. I cant deal with the wait and non solution situation anymore.
I have contacted the credit report company, Experian, to ask them to investigate the account that I was given no evidence of my obligation to pay this debt to this collection agency. But it came out verified from Experian ( attachment enclosed ). And as I know this debt is out of Statute of Limitations of State, but the Experian still allows debt collector to report in my credit file. Please help me to resolve this matter. It affects my life, and make me distressful. 

Hauge & associates continue to call when they were told not to call.I have filled bankruptsy and they still keep calling.



I tried over and over to make some headway with Sovereign and could not get anything done. I hired an Attorney and still ran into resistance. Since the loan has gone to Santander I have completed the paperwork for modification on numerous occasions but continue to run into resistance. Documents always seem to be lost or misplaced. The relationship manager has been nice, but is impossible to reach. And no real review for options has ever been conducted. Instead Santander is trying to auction my home without even giving me a chance. I deserve a seat at the negotiating table, this is not right or fair or legal.
We had a Line of Credit with US Bank that was included in our 2013 Bankruptcy and has been charged off by the bank. We are trying to sell our house and the bank is giving us the run around about releasing the Deed of Trust in the county records. This is obstructing the sale of our property
Please remove the collection of these bills, since I have paid all invoices as billed. Furthermore, please refund the amount overpaid. I am also notifying the Better Business Bureau and the Federal Trade Commission of these over billings. 
We have a contract with Home Depot for a Kitchen remodel, we opened a line of credit with them this was to be a zero interest for 2 years. Now after 6 months they have started charging us interest which triples our payment. We have called several times and they have agreed to make the change going forward but we are still expected to pay the inflated payment this month.
After already receiving confirmation that my mortgage payment for the month was made & without penalty, I received a threatening notice that " my payment was late '' & that " it still needed to be made ''. This is the same harassing contraction that I had to go through last month with the same mortgage company ( Caliber Home Loans ). For a monthly mortgage payment of {$1700.00}, THIS KIND OF UNPROFESSIONALISM NEEDS TO STOP! The unnecessary stress it is causing is compromising my ability to relax in my personal life.
I turned the Hummer in early ( 3 months ) at the request of the dealership as they told me GMAC ( purchased by Ally ) had a promotion where I could terminate the lease early as long as I was purchasing another vehicle financed by GMAC. This is what I did. It appears the dealership never turned in the proper paperwork. It took me 2 years to straighten out as the GM who handled the deal, had left the dealership. They finally admitted their error and paid off the remaining outstanding balance.However Ally has reported this transaction to the credit bureau as late and a write-off which is just not the case. This reporting has had an adverse effect on my credit rating and has impacted my line of credit.
Although I make my payments on time, Macy 's continues to lower my extended credit offer several times a year without proper notice.
Since my layoff over 2 years ago I have repeated attempted to work with Chase regarding mortgage assistance. Initially I was told I did not qualify while receiving unemployment. 
I have called repeatedly since then trying to get information ( see phone logs. ) Each agent tells me something different and ensures me that they are making notes, documents are on their way and I should be getting a call back. 
I decided to do a little research. I came across http : //www.consumeraffairs.com/finance/chase_mortgage.html where the majority of comments are eerily similar. This seems highly immoral to me and might even be criminal. The problem is Chase knows each individual is already experiencing a hardship, having little to no recourse. All while their credit plummets.
I tried to create an account at lending tree. When the account was created lending tree automatically applied me for a loan. I did n't even get to see terms or information about the lender. I just got a credit rejection email, for a loan I did n't apply for! Also, I ca n't figure out how to remove myself from this site and discontinue my 'membership ' but I 'm afraid that if I try it might try to apply for another loan for me. I do n't want these hard credit inquiries on my credit report.
Dear CFPB Representaive ( s ) ; First, thank you for making the platform for delivery of complaints accessible via the internet, and for making it so user-friendly. 
Somewhere in the process my loan was put into a 30-year fixed loan. That was the good news. 



The company has notoriously sent information after previously scheduled foreclosures dates to prevent me from having a chance to respond within a reasonable time frame. 

A current foreclosure date is scheduled and the company will probably send the modification documents on the day before the sale date. It 's this type action that prevents me from reaching an amicable resolution with Wells Fargo Home Mortgage. 


Since my last request, nothing has been done by Wells Fargo. 

What 's frustrating to me is that, I contacted Wells Fargo three weeks ago and indicated to several representatives that I wanted to save my home and that I did not want to hear that a month was needed to apply for a modification and to cancel the foreclosure sale, as any viable solutions were being considered. 

At this point the I have not received any information from Wells Fargo and the sale has not been canceled. This is another tactic that the company uses to prevent homeowners from applying for government-sponsored loan programs. 

Additionally, I have suffered from predatory lending abuses, as well as investor and servicer fraud. Some of the abuses that the CFPB will challenge later this year might not be available to me, and other homeowners in similar situations. 



I have tried to pay Synchrony Bank ( formerly GE Capital ) and they have no after hour support to take may payment. As a result, they continue to tack on late fees in newinterest charges. I am a senior on a fixed income. This is very troubling to me that noone is available after hours to help me.
The charges made on this closed Amex account are preventing me from obtaining a new card from the company, despite having other cards from American Express which had no problems/issues associated with the accounts. The charges when the account was closed, consisted of fraudulent and unauthorized charges which were supposed to be covered by an insurance policy offered by American Express.
Specialied Loan Services refused to modify my mortgage and tired to foreclosed my home. They refused to set a face to face meeting based on Washington State Law for a mediation. I have been trying to contact them by mail and phone and have been waiting for several months but no one from SLS contact me. They sent my home loan to their Attorney to pursue foreclosure. I do n't know who to turn to for help. I contacted the Local Housing Counselor for help but did n't get anywhere.
I have had several checking and savings accounts at various banks in the area I live. Each time I open an account, everything is okay, if/when I decide to close my accounts because of various charges, I am charged an arm and a leg to close or even to be billed!

- Who 's name was on the account that the payment was made to? 
- Does the address match what was on file to Bank of America when the payments were made? 

We fell behind on our loan. We worked the Wells Fargo and got a modification. Was good and fell behind again. This time they would not do a modification. After months of back and forth they let us do a short sell. We had a offer and they took too long to approve it and said it was too low. They came back with a number that was too high no one would look at the house and they would not lower it enough to get any offers. So we ask to do a Deed in Lieu which has been taking 6 or 7 months to do. We were told what we had to do and we have done it and they are telling us that there is a lien on the house from when it was refinanced year ago and the paper work was not taken care of correctly and that it could take months or years to straighten out. The whole time this has been going we have been different story 's and they do not responded in a timely manner. Wells fargo does not know what they are doing with in thier own office. This department does not know what that one is doing and they all say something different.
There are several issues:1. FAILURE TO DELIVER FREE CREDIT REPORT. I completed a complete written application including copies of driver 's license and utility and mailed that to Experian at its free credit report address. In response, Experian sent me a statement claiming I failed to provide ANY OF THAT that information in a letter I received about 2 weeks after my request. 
4. PROTECTMYID.COM. I filed an online complaint with the website stating it did not deliver the service it was set up to deliver. I received an email over a week after I sought help from ProtectMyId.com stating that my request for assistance was received. I responded asking for actual help. I have never received any assistance from the website, Experian 's subsidiary. Instead, they then sent me a letter telling me they could not help me with a dispute involving Experian. 

My former bank kept my bank account open by putting and taking money out of my account so they can keep charging me fees

Is not consumer protection agency main function to protect consumer? 

Please help me
I received a letter stating the following ... 


I offered a payment of {$150.00} and monthly payment of {$40.00} a month. He stated that this was not acceptable and that they would be moving forward with the bench warrant if I do not contact them within the 10 days and make a payment that would be on their terms.
I feel BOA should be required to reimburse or pay me at least 30 % of the profits made from my promissory note, mortgage note regardless of the statute of limitations. They made money from my signature without disclosing it to me and not sharing any of the profit ... time to pay up. 
The loan modification papers would have stripped me of most if not all rights, consumer rights and home owner rights. 
Also note that the refi date was after the bank bail out and sanctions, regulations and laws were put into place that should have prevented them from separating the notes and making significant amounts of money off of me and my notes without my knowledge. 
I understand that BOA was not held accountable or liable for their practices because of all who were involved and that it is unfair to make the courts deal with these issues and the courts are forced to decide whose toes they have to step on ... which is usually the home owner as they do n't have the money and power the bank does. That does n't make it right for BOA to act above the law or allowed to.
A debt I 've already paid is on my credit report as a collection.
My mortgage was sold to Nationstar Mortgage, they have called me everyday multiple times even after I sent them a cease and desist notice. I have never missed a payment on this loan and have transferred auto pay to this bank, they will not stop calling me on my house or cell phone, they are harassing me for no reason, I need help to get them to stop!!!!
Once I got off the phone with Atlantic Credit and Finance , Inc. I researched the company online and was able to find out that I was not the first person that has an experience like this with them. I called my Attoroney General 's Office and told them a little bit about the phone call. I gave the Attoroney General 's Office Atlantic Credit and Finance 's company name, address, and phone number and they told me that the company has be dissolved for over four years.
My wife had her job eliminated, we were in need of financial relief and applied for the Making Your Home Affordable several time and were told we did n't qualify. After several years of financial difficulty we saw something strange happening to the house. 
I discovered I had a Sinkhole under part of my house, and the whole process for that began. 
After exhausting all options and also the financial help from relatives, we were faced with few options. 
Sinkhole under the house and now in debt i was forced into Bankruptcy. 
That 's it, i was denied all other offers. 
So after that i continued with the Bankruptcy process. 
I am still in a legal battle with my Insurance company over the Sink hole. 
I do n't understand. 
The house they would n't help me with is now abandoned. 
I did everything possible to assist them, created no problems, didnt fight. 
I have had to surrender our family dog who was too big to go with us, we gave away the kids horse and now all I want is for it to be put behind me. 
I really want this to end it is tearing my family apart. 
I never needed anybody 's help, not family, friends and sure did not need the government to bail me out, but when I really needed assistance I was denied. 
I pay my taxes, I have my own medical insurance, I support my family. 
Citizens bank removed funds from my checking account l\this past week without a notice or permission. I need a full investigation right away. i am unable to pay our mortgage with this improper removal. how can you help me ( helpless ).


After calling Experian several times trying to resolve this issue I was only prompted to either purchase a report by credit card or check. They did not give me an option by phone or web to talk or chat with any regarding the retrieval of my credit report. 

I would like to resolve this issue, it is very important to me and anyone else who is going through this. 

I am in the process of entering the police academy and this inaccurate information can ruin my career.
Now, I have received notification that my home is moving to FORECLOSURE!! 
This is an outrage and I do n't believe it is legal. 
I need some relief immediately.





I have the sticker they gave me. 



I received a preapproved credit card application in the mail from Discover Card. I am currently attempting to rebuild my credit at this time. I filled out the application and awaited a response from Discover Card. I received a denial letter in the mail today, they discover card cited collection. Charge off or judgment for reasons of denial.
UCB keeps calling people with same last name as me asking them to provide my where about and discussing personal information with them. they also refuse to tell me why they are calling and on behalf of who they are calling.

I have sent the following proofs of fraud on my account to Experian and they responded with ; that they will not block the subject submitted from my credit file. 

Compromising my account and taking actions as if they were me is a clear case of fraud, and according to the FCRA, fraud should not be reported. 





I hope this gets resolved soon in my favor, because this whole experience leaves a bad taste in my mouth and has already wasted so much of my time. If not, I 'll move my account somewhere else because I do n't appreciate what I 've been put through.
I wanted to receive my free annual credit report online. Went to annualcreditreport.com and chose TransUnion as the company to receive my report from. This transferred my request to the TransUnion website where I could only get my report by PAYING {$1.00} for the report and score. {$1.00} is not much but I do not want to give out my credit card information as it has been compromised several times, so I could not use the website. Called TransUnion customer service. They said I could use the phone service ( having to give my Social Security number over a cell phone, not secure either ), or write. If TransUnion will not give the free annual credit report online, then that should be noted via annualcreditreport.com. I believe TransUnion is making it difficult to get a free credit report on purpose. Please investigate.
I have been applying for bank accounts and have been denied. 
The most recent issue is this : We had a modification on our mortgage. It was signed in front of our attorney with Ocwen on the phone with us for any questions. They had already filed suit on me eventhough i had paid and had receipts. 
We signed the modification and agreed. Now they are wanting more, again. They also attached a balloon payment at the end and no credit given for the 14 years of payments that i have already paid. 
They are asking more for the house now than when i bought it.
I been trying to do a loan modification with Chase, I have applied in the past, but I have not been successful because of my income. This time they do n't want to even look at the my application even thou my financial situation is different that it was when I first applied, they refused to review the application, I think that is not fair to people.

This is not working for the homeowners or for the best interest of the economy. You have a ready willing and able buyer to purchase a run down property and make it habitable and the Banks are not willing to proceed. 


So far, they have totally ignored my request and have violated my legal rights as a consumer. I have also expressed to them how damaging this inaccurate, incomplete and erroneous information that they are reporting is to me, my family and my financial well-being. However, they continue in their blatant disregard of the law. In addition, I have requested that they provide " Proof of Verification '' as well as their " Method of Verification. '' They have not complied. 

According to the FCRA, Credit Bureaus have 30 days to investigate a dispute, and another 15 days to provide the " Proof of Verification. '' It has now been more than 100 days since my initial dispute and request for verification, and Equifax has totally ignored my requests and have not resolved this issue as of today 's date. Federal law states that under the Fair Credit Reporting Act, a Credit Bureau can not report information on a consumer that has not been legally verified. For your review, I have included my correspondence with Equifax, as well as, copies of my Return Receipts. 

Thank you for your prompt attention to this matter, and I shall look forward to hearing from you soon. 

Regards,
Will you please help me? 

Every time I try to reason with someone there, I get a form letter telling me I can not get my request because of some of rule they have. Nothing is ever posted to warn their customers in advance so we do n't waste our time. Wells Fargo has the most dishonest business practices I 've ever encounter.
System and Services Technologies ( SST ) a company of NCO has violated again Fair Collection Practices Act and refuses to provide me with the information I have been requesting from them and acknowledging my dispute of charges. They have already been fined by the FTC and states for such practices.

They said they were collecting a debt from PayPal, which I do owe. I said I know about the debt and that I would try to get a payment said thank you and goodbye. 

This is disappointing. It starting to feel like a tug of war, if we don not have this extension we can not move until this lien holder give approval. I never seen anything like this in my life and see how homeowners lose their homes. This short sale process is messy. 

This is preposterous, Prime was negligent in not reviewing my account in a timely manner! 
I believe that Prime needs to be punished for what they did and prevented from doing so again in the future. 

.
OneMain Financial called my place of business after being notified by mail to not contact me by phone what so ever.

This is disappointing. It starting to feel like a tug of war, if we do not have this extension we can not move until this lien holder give approval. I never seen anything like this in my life and see how homeowners lose their homes. This short sale process is messy. 


Before I proceeded with any other action, I waited for the collection agency to send documents validating the debt. I recently received that validation letter. After reviewing this letter, it is clear that it is legally insufficient pursuant to the Fair Debt Collection Practices Act ( " FDCPA '' ). The office has not actually validated the debt and did not send any documents substantiating : ( 1 ) that I owe the debt, ( 2 ) the amount of the alleged debt ; ( 3 ) that it has the right to collect on the debt ; or ( 4 ) who the current creditor is. 



Additionally, in addition to the above FDCPA concerns, I am concerned that the collection agency is incorrectly reporting to the various credit bureaus in violation of the Fair Credit Reporting Act ( " FCRA '' ).


So far, they have totally ignored my request and have violated my legal rights as a consumer. I have also expressed to them how damaging this inaccurate, incomplete and erroneous information that they are reporting is to me, my family and my financial well-being. However, they continue in their blatant disregard of the law. In addition, I have requested that they provide " Proof of Verification '' as well as their " Method of Verification. '' They have not complied. 

According to the FCRA, Credit Bureaus have 30 days to investigate a dispute, and another 15 days to provide the " Proof of Verification. '' It has now been more than 100 days since my initial dispute and request for verification, and Equifax has totally ignored my requests and have not resolved this issue as of today 's date. Federal law states that under the Fair Credit Reporting Act, a Credit Bureau can not report information on a consumer that has not been legally verified. For your review, I have included my correspondence with Equifax, as well as, copies of my Return Receipts. 

Thank you for your prompt attention to this matter, and I shall look forward to hearing from you soon. 

Regards,
The address and the name are n't mine but they still say when mySocial security it 's put in to their system they get that own them moneyWhich I truly know it 's not mine
My monthly minimum payments are 5 %. I pay my payment every month but since it is so large I have to use the card to pay other bills, so I can never reduce or pay off my amount owed. I think that a 5 % minimum payment is excessive. I would like to pay down my debt but will never be able to at this rate.
On a final note, my girlfriend has an account with {$1000.00} in it and every time she tries to withdraw the money she gets an error, this has been happening for several days and it 's beginning to appear as though her money is being robbed as well.
I pay Chase Bank weekly for my credit card bill. Despite receiving my weekly payments that cover the monthly charges and late fees with extra to go toward my balance, Chase calls me numerous times a day demanding more money.
My wife, a resident of the state of Kentucky applied for a mortgage from Third Federal Savings and Loan. Since the house is her premarital asset, with the existing mortgage and title only in her name she applied for the loan with her resources and credit only. 
When the day came to close, I was informed that I had to accompany her to release dower ( since Kentucky is a dower state ). However, there was no reference to dower and my name in the definitions and signature blocks indicated I was the borrower joint and several with her. 
This was both fraud in the inducement and a violation of the notice regarding the fair lending act,
We have all the documents to provide to you for proof of fraud.

I do n't know what to do and would ask for any help you can provide. I want her to stop calling my staff and if she needs to communicate with me she can via certified mail. 

Please help. 

3. If
Hard inquiry ran on my credit report by this company without my permission. No application via phone, email, or mail requesting credit from this company. I have paid all accounts on report and would like this removed as it pulled my score down. This was an unauthorized hard credit pull and should be deleted by company. Information possibly sold or transferred to another company on file. 
I GOT SCAMMED VIA PAYPALHe told me to send as " to family or friends '' I was trading {$78.00} + {$1.00} ( fees ) = 80 $ totalfor counter strike global offensive case keys. 

I have negative items on my credit that doesnt belong to me
I tried to keep calm but did become angryAll i am asking is for the late fee to be adjusted, I have been a good customer. 
I will be cancelling the accountThank you
I can and will provide documentation, names, dates, etc. to support my statements.
The T & C 's presented during the sign up process and the T & C 's of the card I received had a significant difference : the APR on the card is 24.99 % but the advertised APR was 15.24 % or 18.24 % when you open your account, based on your credit worthiness. 

This debt was paid as soon as I closed the account. This should have never been sent to collections. I have contacted Receivables Performance Management on several occasions. I was told this would be removed from my credit report, but it 's still reporting. This could potentially cost me a lot of money in excessive interest. I need this corrected. Thank you.
The representative stated I had no right to dispute : only that I had to pay a 7 year old {$84.00} bill
The agent was not only aggressive and hostile towards me, but he was relentless. I finally hung up after attempting to assure them I was making regular payments that were on time. 
They need to CEASE AND DESIST from this harassment. I am making timely and regular payments ... and demonstrate every good intention of paying down my balance.
I wrote down the questions and the answer choices given to me, and there were a few answer choices that came out on both phone calls -- I am assuming those are the " correct '' answers that they were looking for, although they were all false.






Thanks!
I eventually hung up, but after working in collections for a short time, I know what they did is illegal and they need to be fined for this.
I eventually hung up, but after working in collections for a short time, I know what they did is illegal and they need to be fined for this.






Not only did BOA misapply my payment, I had to pay a new payment due immediately for {$98.00}, a {$25.00} late fee for payment due, which was later refunded, my card was blocked from use and my credit line was decreased from {$10000.00} to {$8900.00}, and the refusal to RESTORE it, as a result of BOA 's error, is appalling.
I requested from Nationstar mortg a final accounting of my account after the loan was paid off in full through a third party title/escrow company after selling the home. I received a refund check labeled payoff overages, but they refuse to sent any breakdown of accounting of the final numbers and fees charged.




I ended the call after speaking with a supervisor.
A company called " West Asset Management '' entered my phone number into an autodialer simply based on the similarity of my last name ( a common name ) to that of the debtor they were trying to locate. 


When called back, an agent refused to identify himself or the company her represented. When called back again, an agent did identify their company, but refused to acknowledge they were a debt collector.
I received this email with an attachment which I do not want to open. They portray themselves as an employment agency with the title for their LLC as " sourcing and Support ''. This is false pretense & whoever approved the LLC name and nature of business should be fired. Also, there was no option for communication tactics that rules over email communication. I am not opening the attachment nor calling the numbers. I would like a cease filed on this company as email communication is a breach of security practices under the FDCPA privacy act. My laptop is connected to my work and now they can all see my personal information. I would like to know how they are able to communicate by email, they also do not state the fdcpa " this is an attempt to collect a debt.. '' '' '' Here is the body of the email but I am not opening the attachment to copy that and I do n't see a way to attach it. Nor did I give anyone permission from Vantage for email communication. 

Thank you, Vantage Sourcing Service & Support TeamPlease do not reply to this email, as it was sent from an unattended mailbox. 
CONFIDENTIALITY NOTE : The information transmitted, including attachments, is intended only for the person ( s ) or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you received this in error, please contact the sender and destroy any copies of this information. 
I had a line of credit with Bank of America. I left the account at a zero balance when I closed the account. I received a notification that I had a balance. I disputed the account but I was unable to provide proof because it was and old account. I called and I was told that if I pay the full amount that the account will be taken off my credit report. I paid however, I requested all documents with my account activities since I opened the account to verify where the error was and to proof that it was my mistake or not and I have not yet rcvd the documents and the account it 's still on my credit report. I called again and I was told that it will remain in my credit report for 7 years for an amount of {$71.00}. Please help.




Please help me resolve this matter, as my efforts to contact the company and resolve this issue have not been received well. 



3. A copy of bank statementTo this date, the mortgage payment has neither been refunded nor been applied to my account. 




Ocwen can either accept my payment or refuse. They have refused so it looks like I am deliberately not paying which is not true. Why do I have to be in the limbo state due to Ocwen 's inability to keep accurate records?
My property taxes were in escrow with my mortgage. 
You are a disgrace!

So in effect, you have benefited from the interest earned from my payments and despite my perfect payment history with your company, I am being penalized for actions in other matters. Why did Lender even decide to grant this account to begin with, it is a no win situation for me. 

I am sending this letter to the banking commission for their consideration and to the credit bureaus. 

Your actions are unconscionable.

Please advise, Thank yiou


4. If this debt was reported to the credit bureau how long would it stay on my file? I do n't have that information as I only have a little information regarding this account. 





6. I call the doctor. They state that their accounting firm at the time went out of business and sold its accounts to a collection agency. 
7. We send an email to the Manager of the collection agency and spoke with his staff. They state they do not have the actual invoice which was not paid, only an entry in the database they received from the defunct accounting company. 
8. The item is removed from my credit report. 



I need your help to stop this once and for all.
I never received anything in writing that mentioned a future payment plan. 
The next call I received from Wells Fargo was an agent telling me that I now had to come up with {$11000.00}! There was no way that I could do that. I asked if they could add the amount to the end of the mortgage or allow me to pay my regular mortgage plus a percentage of the amount owed, I was told NO. 
I was advised to apply for a loan modification, which I did. It took many months and I was paying my mortgage at that time, only to have the amount paid sent back to me as it was never applied anywhere. 
My modification was denied, so I was advised to re-apply. I did, and was denied again. 
I was then advised to contact an attorney, I did and it cost me {$3000.00}. The attorney did absolutely nothing for me and ended up advising me to claim bankruptcy. 
When I would call to talk to someone at Wells Fargo about adding the delinquent amount to then end of the mortgage, I had to punch in my account number or telephone number, then I would go directly to someone 's voice mail and not receive a call back. 
I have now hired a bankruptcy attorney at the price of another {$3000.00}. 
I would have rather the {$6000.00} go to my mortgage! 
All I want to do is keep my home and pay my mortgage! Why must I claim bankruptcy when I can make my payments? I have NO other debt to put on my bankruptcy. 
Can someone please give me some advice? 





The new rules require mortgage services to : Send Periodic Billing Statements. 

The mortgage servicer must provide a written monthly mortgage statement to the borrower. 
-The statement must show : the amount currently due ( including how much will be applied to principal, interest, and escrow ). 

-The total of all payments received since the last statement-How prior payments were applied-Transaction activity-Partial payment information-Fees or other charges to the account-Account information ( such as the outstanding balance and interest rate ) -Contact information for the servicer and housing counselors, andinformation regarding delinquencies ( if you 're behind on payments ).
I really hope you can help me. Please let me know if there is any other information I can provide Or if you need anything else. The numbers next to the managers names are their store employee numbers. They told me to write this stuff down. I am so glad I saved it all. If I find more information can I upload it more info? 
No disclosure of debt collection, just asks for a payment.


Please know I greatly appreciate your assistance with this matter. 
I would greatly appreciate your assistance in getting this completed. 


I contacted USBank to ask them if they were waiving the Annual Fee or pro-rating the Annual fee due to this significant change to the product ; I was told that they will not. 

JP Morgan Chase Bank sent us a letter stating they had refused us small loan ( {$20000.00} ) with high interests requesting a collateral on my residence valued at {$750000.00} instead of an investment property worth {$500000.00} located also in California, instead of issuing the letter of withdrawal we requested as we ( not Chase ) chose not to proceed with their offer. 
Called this work related phone number after being told that this was for work purposes only and a personal number was given to them.
I had no choice but to file a complaint against Ocwen and their employees because of such disregard and incompetence. I have an outstanding line of credit and it will NOT be ruined by a mortgage company that can not do their job correctly. I am OUTRAGED to say the least.
A couple of months ago I received a letter from USAA indicating that I owed some money and my account was past due. I called them to indicate that there has been an identity theft since I never opened the card nor was in possession of the card. Over the past few months I have called them several times to address the issue. Every time, it seems as though they are doing something about it but they arent and I find that they are simply having the collection agents harass me about the money. There is no mention of what they have done to investigate the identity theft and what their conclusion was. When I call identity theft department at USAA, they hear me out for a few minutes and either put down the phone or connect me back to collections. 
It is extremely unprofessional and I have not seen this with any of the credit agencies or banks that I have dealt with. 
At a minimum, i would have expected them to take note of the details, investigate it and get back to me on why they think that I was the one to open the account or atleast let me know the outcome of their investigation. I think there has been a presumption on their part to conclude without adequate investigation that I was the one to open the card. USAA I am told is typically open only to people either in the military or relatives of military. I have NO connection to the military and it seems like they did n't even bother to check this fact before issuing the card to whoever was impersonating me. 
I feel I have no recourse as a consumer as I have no way of knowing what they are investigating and what they are concluding. I seem to be at their whim and they are holding me to ransom for their negligence in not verifying some basic credentials such as signature and proof of military. I think they need to be held liable for their negligence.
I was not aware the debt had been sent to collections until it was reported on my credit report. When I contacted the collection agency they had a non-existent address. They had my correct phone number but never made any attempts to notify me of the debt prior to reporting from all credit reporting agencies.
The bureaus get the info by sending 3rd parties out to county recorder 's offices and collect all public records filed in the court! That is how the bureaus get public records. More importantly the county also told me, if they verified info on me, they would have seen there is a release and it should have been deleted from CR. 

In the meantime, CB is over 90 days for correction!
I recieved a call from a private number, saying they were with Navient. Saying they were trying to collect on a student loan i have. I have never gotten a student loan - EVER. When I refused to give them my info - they gave me a fraud number, but no one answered at that number. I want to make sure no one has used my info and I dont have a student loan. How do I verify this and not give my info to just anyone. thank you
This complaint relates to my mortgage, serviced by J.P. Morgan Chase ( " Chase '' ). 








It is unconscionable for Chase to state that the Agreement modifying my mortgage loan and the payments are not reportable to credit bureaus, because I allegedly did not " reaffirm '' my debt. It is clear that despite numerous lawsuits against Chase, its practices continue to be anti-consumer. 

M LEONARD & ASSOCIATES called me and told me that if I pay the the amount I owe they will delete it from my account but after taking that they did n't delete it. When I called them back they asked me to pay {$45.00} more so since I want to get it deleted I paid {$45.00} more
5. It is fortunate that my checking account was not overdrawn by Discover 's " mistake ''. I can see how forthcoming they would be making that problem right. 
6. When I make a payment from my checking account on my Discover account, it takes less than a day for the transaction to complete. For Discover to make a deposit into my checking account and have it take over 6 days should be unlawful.

Why would I be denied a modification otherwise if I qualify for it? Under the GOVERNMENT rules for HAMP, you do NOT have to be delinquent. 
Wells Fargo canceled my credit card and raised my interest rate despite that I paid my account on time and paid more than the minimum amount each month. Their reasoning for this is that my debt to limit ratio is too high. However, my original limit was {$25000.00} and as I paid down the debt they lowered the limit so that I was perpetually maxed out. They manipulated my credit and the events to create the situation so that my debt to limit ratio is always high. Had they left my credit limit at the original amount my debt to limit ratio would be below 50 %.
Capital One Auto used different debt collector to attempt to force Consumer to pay a debt that was already paid. Consumer had attorney with regard to subject debt. Cap One was notified that Consumer 1 ) paid debt and 2 ) had attorney. Cap One ignored those facts and sought collection any way. 
I paid my overdraft accout about a year ago amd it is still on my credit scores as unpaid. 
I called before and they said they took care of it. I just need this to be on file and out of my credit scores.
I already have a complaint on file with TD bank for another issue .... 
First it appears to be age discrimination, second why would n't that be on their applicationprocess before wasting our time and theirs. Something smells fishy.
HiThis is regarding to a money transfer request done by me thru Remitly. 
The money did get transfer as promised and they are not ready to cancel the transaction and refund my money.Requesting to please help on this
American Express informed me that they 're raising my APR for new purchases. They informed me that they 're raising my APR because it is lower than the average rate for new applications for similar cards.
Please help me clear up all these credit cards she has committed fraud by using my social security and signing my name and do what you can to prosecute her to the fullest extent of the law.. 
Also she is on probation which should make fraud immediate. Below is her probation office number and name. 




Can someone please look into this have it corrected and send me an updated credit report. Also, the reporting bureau should be fined for placing inaccurate info on my credit report.
I am getting calls on a daily basis from a number unknown to me and when a voice mail is left they give no information as to the company name or a specific person to contact. only to contact this number in regards to file number which I have no knowledge of.
Ive attempted to file a dispute with Experian numerous times via their website and have been unable to, they request information sent via mail, this information was already provided to prove identity. I submitted social security number, address, DOB, etc. Still, they request information be sent, which makes no sense as I am able to view my credit report but not make any disputes. I pay a monthly membership fee and should be able to file online disputes as part of paid membership. Their rep stated other people are having the same problem, it appears to be a technical issue on their side. Whatever the case may be, I pay a monthly membership and should be able to file disputes online as I am able to view my credit report. Do not mark this as duplicate as additional information has been provided here.
It 's very unfair OCWEN make chances and you does n't notify clients of changes in advance. Now I have to wait till the payment the OCWEN declined due to last minute change of policy is credited back to my account. It 's {$4000.00} dollars. 

Bank of America has submitted a false and inaccurate report to the consumer credit agencies and has caused me great financial and personal harm.
Appreciate your help sirs and need to control this dealer acts since he is harming all the community around him and many customers came back after when we visited them back to know why he sent more inquiries although we already agreed on the bank and the offer!! 
My balance was under {$50.00} and they added charges totaling over {$500.00}
Default : Collection Agency Subtle Scam? 


Our records show we have been diligently paying for a medical bill ( incurred during an emergency ) with this collection agency, in spite of the fact that the hospital kept sending us " 0 '' Amount You Owe -- then popped this Collection Agency ( Please see attached document ). 

Abruptly, half way sending our payments - during the tax refund season at that - we got a call a day after the 'default day ' that we are on default ; subtly informing us this would be forwarded to the credit bureau. 

We are buying a house, about to make the walk-through next month ; you could imagine how conscientious we are on every step of the way regarding credit issues. 

Can this collection agency simply claim, " Sorry, you defaulted, we did not receive the check ...? " We never lost any check we issued -- we make sure we mailed letters/checks directly with our post office. 


In addition, is it the practice of collection agency NOT to send bill or payment confirmation? This collection agency said, " We do n't do that. " This is an alert I would like to share. 

I would be happy to send you the details. 

Have a wonderful day.
This is information total incorrect, some one stole my identity. I never receive this services. 

They did not want to hear about it so they gave it for collection. 
I finally paid the collection agency the full amount. 

Now they have sent my account to collections to try to force me to pay {$520.00} for early termination. 



I was called by Quicken loans and offered a deal on a refi i told them i would only think about it they could offer me a good deal on a fifteen yr with a lower rate they made me a offer. 



3. Notice does not indicate alleged account 's principal balance. 



Thank you for helping investigate and enforcing the authority of your Offices to STOP fraudulent and unfair debt collection practices that hurt US Consumers.





I feel I was seriously deceived and misled and deserve a refund of my annual fee at the minimum, and additional points/compensation for a credit pull under false pretenses. 

I ca n't say for sure which company is this because they 're refusing to send me written confirmation with their information on it.

2. The account that I paid them out of has more than ample funds in it for the transaction to go through without any issues whatsoever. 

3. Are my funds in some type of holding account that B of A is drawing interest from? 

4. My biggest concern is that I initially a requested the card in an effort to bolster my credit score. If my balance is not at least 50 % of the total balance at the end of any reporting period, my credit will negatively affected. 

5. How many othe consumers are having to deal with this? 

6. What if I encountered an emergency and was unable to utilize my card? 

I beg you to assist me in resolving this issue. At this point I do not know where else to turn. 





Company said they did n't recrive a payment for my car they 're fianacing but i have sent them copies of the receipt showing that i submitted the payment.
When I block the number they are calling from - they move on to another number. I have received voice mails stating that they are needing for me to return the call concerning a legal matter or I am being notified of legal action being taken.
They state in the letter " Because of the age of your debt, we will not sue you for it and we will not report it to any credit reporting agency. '' If I receive another letter from them can I take them to court?


When I finally received the bill 3 months later forwarded from my old address I called Zions. I paid the entire amount including fees and late charges ( {$25.00} annual fee with late charges totaled {$75.00} ) and they said they would pull the negative credit reporting. I also closed the account due to their obvious lack of valuing us as a customer and lack of customer service. 
The issue today is that the negative 30 day late is still on our credit reports. They reported it as closed by credit grantor which is inaccurate because we requested it be closed, It is the only negative item but it affects our overall credit score. 
Due to our ages and previous payment history the fact they never called to find out why we had n't paid an annual fee but instead adding late charges to it, borders on elder abuse, and I feel it should be reported.
My employer requires us to have a credit card from J. P. Morgan Chase Bank NA for specific travel expenses. My account is set up with Chase for automatic payment. Last month, they failed to process the payment in the month it was due. Instead they processed it in error several days later and showed my account as past due. In addition, because of their error they reported me as past due to my employer. I suspect this is a problem with the Chase system that impacts many consumers. This problem, created by Chase Bank, could result in significant consumer harm with customers incurring additional expense in a variety of ways and potential for incorrect negative reporting on consumer credit reports.

Recently, TD Bank converted my account without my consent to an account with a minimum balance. As a result, they charged fees to my inactive account for not meeting the minimum balance. TD may have assessed overdraft fees because the fees they assessed for not meeting the minimum balance brought my balance below zero. All of this without my consent and on an account they knew and had listed as inactive.
have no idea what this collection attempt is for but they keep contacting me
I keep getting loan offers an cars approved loans tellamarketers


My complaint is against Midland Funding , LLC. I question whether they really own this debt. I now have a judgment because of this.
It is frustrating and inconvenient to be treated with little regard by the banking industry. 
Besides an explanation, I want my full {$60.00} fee returned and do not want this to affect my credit rating.
American Express is demanding payment of old annual fees on a dormant account otherwise with no balance or charges. 

I encountered severe problems affecting my health and my wife managed my business affairs. American Express insists on collecting annual card fees for that time despite the fact that they sent no notices and the account has been idle for at least 5 years. This is unconscionable as I received and asked for no services from them during that time.
I have reached out to this company on numerous occassions, stating that this account does not belong to me and would like them to prove signed documentation or copy of my photo ID.


In my opinion, whether intentional from Wells Fargo or not, this cumbersome underwriting process has created a barrier for applicants with good risk profile to qualify for mortgages. It will be up to CPFB to decide, whether this practice is across the board, or only targets minority customers like myself. 

I have filed a complaint directly with Wells Fargo, but only received a plain vanilla response letter saying they have done nothing wrong. This was totally unsatisfactory and therefore I am filing this complaint to CFPB.
To whom it may concern, I called Sallie Mae to proactively figure out a rate reduction plan that would help me pay less per month with a lower interest rate due to increasing living expenses. I have good credit and I have been making my payments -- I 'm actually ahead right now because I started paying large sums per month before my loans went into repayment. My Sallie Mae loans will soon require I pay a hefty {$350.00} per month ; this is on top of my other Federal loans and living expenses. My Sallie Mae loans are for less than my federal loans, but I pay more for them per month. 

The Sallie Mae representative told me that the only way I could potentially work out a rate reduction or refinancing plan with them is if I am currently under hardship. I explained that I am not, necessarily, under hardship -- though I do n't know what qualifies as " hardship '' -- but that I will soon be due to changes in my living situation. I will not be able to afford a {$350.00} to Sallie Mae and also pay for rent, utilities, insurance, etc ... 

The Sallie Mae representative seemed to sympathize with me, but she also seemed bound to an unspoken rule that disallowed her from helping a borrower who was looking to proactively take steps in order to not become delinquent on their loans. 


I 'm filing this complaint because Sallie Mae is not willing to work proactively with me as a borrower to stop delinquency, forbearance, or bankruptcy from happening.
Borrowed {$300.00}. And had a 100 dollar fee. Then a 55 dollar fee then the day it was due they added another fee of 55 dollars! I ended up paying 500 dollars for a 300 dollar loan! Somebody ripped me off! Thanks!
I Received the following MOST FRUSTRATING! error message : '' Unable to Complete Request We are unable to complete your request. 
" What happened : You have already received your free Personal Credit Report from TransUnion ; therefore, you are not eligible to receive an additional TransUnion report at this time. " What to do : Return to annualcreditreport.com and visit the Frequently Asked Questions section for moreinformation Purchase a Personal Credit Report.
Screaming at my Manager and sharing informationCalled them names and Hangup every time, Calling my family members and asking for me saying is about credit debt
The company, West Asset Management, repeatedly calls me on my cell phone refuses to identify why they are calling and states repeatedly " I have your Social Security Number now you need to verify it for me. ''
This is written notice to Experian that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the legal right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the address, and phone numbers, and erroneous credit information, which have been illegally displayed and continue to be displayed on my credit file, be verified, and if verification can not be made within 30 days time frame allowed to Experian by law. the disputes listed in my original complaint must now be completely removed from my credit report ( Experian has now legally exceeded the time frame allowed by law ). 
Experian legal staff will agree that compliance with this request under the laws of the FCRA and Colorado and Federal statutes. 
The law requires compliance with the terms and conditions of the Fair Credit Reporting Act ( FCRA ), within 30 days or complete withdrawl in writting of any claim. 
Experian has failed to remove this inaccurate personal information, and the disputed accounts outlined in my original disputes. this inaccurate personal information should not be associated with my credit report and Experian has failed to legally verify this information in the time frame allowed by law. 









I have filed disputes with Experian regarding files on my credit report. Items that should be removed. Experian appears to be processing them and not investigating the matter properly. I have sent letters via certified mail demanding an insight in how these investigations were conducted, who was contacted, names, dates, and so forth as allowed under the FCRA. Experian has not responded nor sent information regarding this matter back.

Equifax is n't working for me as a consumer. They report inaccurate info or what they want to report and it 's quite unfair.
This practice has caused me financial challenges, added severe stress to an ailing heath conditions, which I have sh
Capital One contacted me by telephone, leaving a recorded message about my credit card. They asserted that fraud was involved with the card and that they were replacing it. When I called and asked about the issue, I was told " everything was fine ''. I asked to speak to a manager about what had happened. I received no more information, other than that they were investigating fraud. 
Either the card is very insecure and, the company 's actions are questionable, or there is some major issue involved that the firm is hiding. 
Please help me find out what is going on.

I was a care credit consumer which got a credit card for my dental work. I was misled about the terms and just found out that they may have tried to contact me to no avail for the lawsuit. I paid thousands.
never lived in texas
Nation star mortgage seems to be churning my file with no intention of Considering a Modification. I believe they are also charging a fee to the investor for the churning of the file. See attached letter and documents






For FHA to demand the entire amount is UNFAIR AND UNJUSTIFIABLE when compared to the APPRAISAL AND THEREFORE I FIND IT DISCRIMINATORY. 


{$270000.00} mortgage limits in Michigan FHA







I was told that I will get price matching before I signed up for Home Depot 's credit card as a condition. I would not have signed up for a credit card if there was no price matching advertising/promotion as they promised. And if Home Depot tell me at the time that no price matching was available, I would have gone to Best Buy instead. I was deceptive into applying for a credit card. 

I am not sure if there 's any miscommunication between me and Home Depot here but, at this point, I have exhausted all of available options in trying to resolve the issue myself. Furthermore, this appears to me more like a fraud to lure me into applying for Home Depot 's credit card. I ca n't imagine how many more people are facing the same situation as I am and unable to do anything to resolve the issue. I am a victim of a big corporation who failed to honor what he is promised. 

I revoked my ACH authorization because this company is charging me fees ( {$250.00} ) biweekly which they did not disclose to me, and are misrepresenting their interest rate. They showed me a contract with significantly different terms on it and then claimed that I signed a contract with entirely different terms. They refuse to provide me with a copy of this contract, never gave me a written copy of this contract as promised and refuse to disclose a breakdown of how much they claim I owe or of my payment history etc. 

I want to pay the amount that I borrowed MINUS fees & grossly misrepresented interest charges. I am willing to pursue this legally if the company will not accept this as settlement for this loan. 

I ask that this company NOT CONTACT MY EMPLOYER, REFERENCES, etc BUT THEY HAVE AND WILL NOT STOP.







Today, I got the following message : '' The request was judgmentally reviewed and denied for the following reason ( s ) : PRIOR APPLICATION SUBMITTED TOO RECENTLY '' I have impeccable credit with NEVER a single late or missed payment, and I was already approved for it. 

I am considering taking this matter to court at this time.

i contacted the collection company by writing, phone many of times to verify the debt. they stated i wrote a bad check inwich i obtained records from the bank that there is no ' bad check '. they will not send me any type of verification, they keep sending me statments that i owe the debt.under the laws i thought they have to send me evidence?
I finally thought that this nightmare was over last year, but it has continued to be an ongoing nightmare and my account keeps accumulating late fees & my payments continue being returned with them stating it is not enough to cover the debt. I have had to hire an attorney who also gets the run around. I have contacted the attorney for Caliber and even he can not get an answer from Caliber. 

2 ) Caliber to waive the late fees, update my credit bureau apply the escrow credit balance and accept my payments for all of the payments that I have sent & have returned to me. I have this amount in my account and just want this nightmare to be over.
Chase suddenly charged us a {$20.00} service fee for our checking account. We have had this checking account for 10 years. When called and questioned, a Chase representative finally advised that we will be charged a service charge since we paid off our mortgage.
Chase 's reasoning is that they had done the allowable courtesy refunds to my account for 2015 and was unable to perform any additional courtesy refunds on my account. 
Citibank has violated the Electronic Fund Transfer Act and Regulation E because Citibank was notified of the unauthorized transfer within 2 business days of learning of the theft of the access devise yet your liability exceeded {$50.00}. 
Citibank 's failure to provide adequate data security, to negligently allow my account to be vulnerable to theft and to illegally refuse to credit my account for the full amount of the theft identified by Citibank is an unfair, deceptive and abusive banking practice. Their inadequate and ineffective investigation of my claim has caused significant emotional and financial distress. Customer Service has given me inconsistent information unduly delaying the claim review process.
The office manager charged me {$35.00} for not canceling my appointment within 24 hours. I spoke to someone in the Doctors office the day prior to my appointment canceling the appointment. I had just lost my job - the person - who i believe was the office manager said ok.


3. Stop trying to reverse miles already earned. 

If SunTrust does not act as laid out above, I will undertake the following actions:1. I 'll have my lawyer friend prepare a class action lawsuit for bait and switch. 
3. I 'll bring to the attention of the media the unethical behavior of SunTrust. 


Sincerely ;
They are sure quick to call when the monthly payment is a day late, but not when you want something from them. 
Thank you!




Experian Has yet to respond to anything I send, nor even to the CFPB.

Shame on Citi. I would never recommend to anyone going with such a large institution with a very small heart.

SEE THE ATTACHED AND REMOVE THE INQS


I contacted my bank to put a stop payment on all the fraud done by Gatewayone lending.
I received collection in my credit report. 
I have insurance with unitedhealthcare which covers 100 %. 
Before my visit they told me that the insurance will cover everything. 


Since we found the whole situation building up against us we hired an attorney and we did a compliance stress test of our mortgage with a certified reputable Loan Analyst for the RESPA and TILA and the result stated that the mortgage generator and its successors violated many RESPA and TILA federal and state statutes. 
We filed a counter claim at the court stating that not only the mortgage note are unforceable due to direct violations of TILA but also of the HOEPA and failed to deliver a notice of acceleration to us the homeowners violating the Federal Debt Collection Practices Act and also Bank of America breached the mortgage agreement by force placed insurance in an amount in excess of that required under the mortgage. The mortgage also understated the finance charges and annual percentage rate violating the Truth in Lending Disclosure Statement at the time of closing. 
To top all that we requested a Home Equity Line of Credit for {$100000.00} which Bank of America provided even though our home did n't have enough equity. Throwout the life of the HELOC we paid it in full several times and Bank of America kept on lending us money even there was not equity to support that loan also known as predatory lending practices. 

Contacted BankofAmerica.Reference to Mortgage loan being delinquent. 
Enhanced recovery placed old debt on file. debt is 7 years old and no money is owed to company they are collecting for. military orders were sent to have service disconnected and all equipment was sent back in the boxes they provided.
During my transaction with ebay.com/paypal, the checkout process is very deceptive and will sign you up for a paypal credit card in a deceptive manner. During the checkout process, the website will automatically default to the payment option of " paypal credit '' which will make the buyer assume they have a credit sitting in their paypal account as I had. When you choose this method, it brings up a screen asking you to confirm your information. Still nothing really indicates you are signing up for a credit card. The feel of the website at this point makes it as if, for security reasons, they are confirming your information. Once you " update '' your information, you are then brought to a " congratulations '' screen indicating you have been approved for credit when again, all I was trying to do was use an existing balance I had within paypal. Given the nature of paypal 's business, most of their customers would assume they have a paypal " credit '' as most of their clients do not know that paypal has now entered the consumer lending industry. Traditionally, they were an electronic payment vendor and this is what 95 % of their customer base, including myself, still see them as. Paypal should not abuse their relationship and take advantage of their customer with these deceptive practices. If most people knew they were signing up for a credit card with clear verbiage, they would not choose to do so. Please investigate this and put a stop to these deceptive practices that paypal has implemented.



*I am submitting this on my boyfriends laptop. All of my account paperwork and information is at my apartment on another computer.
Also, on a daily basis Credit Acceptance Corporation is stalking me at work continuously. I want this stalking to stop immediately. It is very annoying and it is a criminal offense. Not only that, there is no need for Credit acceptance to stalk me at my place of employment. I want this stalking activity to cease immediately if not I 'm reporting it to the local Police authorities.
Can you help, please? 









G


I need the judgment and the erroneously reporting account deleted from my credit bureau reports as promised. 
MY BANK RECORDS FROM ASTORIA BANK WERE RELEASED TO AN ATTORNEY WITHOUT ANY SUBPEONA OR LETTER SEND TO ME REGUARDING RELAESE AND THEY HAVE NO RECORD OF ANY
I never went over the credit limit set with my deposit of {$500.00} but they immediately started charging fees and interest on my money. 
I reluctantly agreed and they said they would send me a final bill. 
They are very unresponsive and I feel that this Company is scamming people. 
They are very untrustworthy and prey on people trying to reestablish their credit.
Hello : My wife and myself started the process to buy a house. Our realtor was able to find the proper house for us. 
We submitted all the documents to the following company : K & G Capital Mortage. K & G Capital mortgage is a division of Houstonian Mortgage Group Inc. 
They offered to us a financial option using FHA system since the very beginning as the best option for us. 
He did a quick check for the requirements and he said we had everything needed for the FHA loan. 
This is not our fault, as we already provided to them everything needed and on time ( sometimes working late at night ). 
We believe that we have been put through unnecessary emotional stress and has affected directly the process of buying the house while we had been compliant with absolutely everything we had been asked for to provide. 


I do not intend on ever using USAA for future mortgages and I would not recommend them to anyone either.
I have told Focus Receivables Management on numerous phone calls this information and have asked for proof from there company showing I owe this debt. 
Now this company are reporting a collection account with all three credit bureaus listed under my name, which is ruining my credit standing. 
I asked for them to delete this false information from my credit reports without any luck.








Since Citi bank is ignoring my request and I continue to get this letter of which I qualify for they need to honor this refinancing at no closing cost as stated in their letter.
TransUnion results state " new information below '' but nothing was changed at all. 


The Deed In Lieu had never been recorded. His FHA case number isstill open. 

I did not know of predatory lending and was given a loan even though my income was not enough to cover the monthly payments and sustain daily living expenses. I have paid {$400.00} a month for 2 years and still owe the same amount in which I purchased the car for. I was also asked to pay a {$2000.00} down payment and it was not applied to car.
Also they will not work with me on my 8.8 % interest rate.
I 've had my checking account with b of a since 1999 & I 'M BEING CHARGED ERONEOUS FEESThe bank talked me into adding my husband so we could have a " tiered '' account and never be charged a fee, that was 4 years ago. 

Wells Fargo Home Mortgage please do not skip this request and please make all copies readable. I requested this information because I do n't have this information. 

Please send all Disclosures stating how deferred Interest could make this Loan more Affordable or less Affordable and you could risk losing your home latter or at some point. 


Wells Fargo Home Mortgage please state all Pre-Foreclosure charges on this loan. 

I would like to know is this loan Assumable? Will you please send me your guide lines and fees? I am requesting a email or mailed copy of your Assumption guide lines. 

Will you please review my account and send me all loan options that are available for this loan by email or mail? 



After reviewing my loan options I would like to my a appointment by phone to talk about my loan options. 





RE : Bank of America ( BOA ) Credit Card : Card closed without notice, without valid reason & {$130.00} of cash reward money stolen from me. 



Something to mull over : every time a government employee/representative/senator/etc., opts for the status quo & /or ignores unscrupulous behavior from corporations and the like, they are not simply selling out the people who voted them in that position, they are choosing to sell out their loved ones - their own children, their spouse, their mother and father, their friends, etc., because we are all affected, and the sad truth ( which lends to the status quo ) is that the majority of persons in the U.S. are unable or unknowledgeable on how to protect themselves, what their rights even are, and how to combat apathetic negligence and unlawful activity. 

The Fraud, Unscrupulous Misconducts, Hindrances of Honest Citizens ' Rights, & Impunity of Theft by the financial industry continue. 

My mle ... 

Paid EVERY bill on time - early every month, and more than the minimum payment. 
- HOWEVER, while out of town I was denied while trying to put gas in my car. I never carry cash & had no other credit cards on me. I called Bank of America and was informed my credit card went through an " annual review '' and was closed a week ago. 
I was never sent ANY notice via email, phone, text or postal mail - NOTHING! 
All my accounts were in good standing at the time. 
Moreover, I had accumulated {$130.00} in rewards cash, but was unable to retrieve that money - BOA claims that I lost the reward 's money due to my account being closed. 
The primary reason I opened this BOA card was for the rewards, that BOA incessantly bombarded me with via promotional offers in the mail. 
Misapplied funds. 


There 's a credit card in my name that I have no idea about it.

Well to make a long story short, they were sold to a different bank while in forbearance. I received no notification that they were sold and no notification that the sale took them out of forbearance. I also received no notification they went into default, I only learned they were in default by a debt collector call months after they were sold and place into default. I thought I was being scammed because I had paperwork saying they were in forbearance. 

I 've have searched for advice the last 6 years on how to settle and handle the loans only to be misinformed, sold some unneeded service debt service and flat out told you have no hope to get the loans out of default. 


After missing a couple payments I notified U.S. Bank of my hardship and they began working on my modification. They have requested and I have provided more information than I ever thought possible. They make it " seem '' like they are trying to keep me in my home. However, after dealing with this process for almost an entire year, I have come to realize that they are just playing games with me and do not intend to help me. 


The worst part is that I am not trying to receive anything for free. During this entire process I have asked that my missing payments be added to the back end of my loan ; they do n't lose any money, then I can resume paying. After 5 or 6 months of missed payments I told U.S. Bank that I could once again afford my monthly payments but had exhausted my savings and I thought we were working towards a common goal -- the modification which they said would help me. I even started making payments as a " good faith '' to show I was serious. To my shock ... they returned my payment and said I had to continue the modification process. The awful thing is, they returned my payment 5 months ago ... I could have been paying for the last 5 months and that would have put more money in U.S. Bank 's vault but instead they told me not to send it in. 


I want to stay in my home and so does my family. I am now past the financial hardship and can afford to make full payments on my mortgage each month ... and I have been able to for 5 months, but savings is exhausted, I do not have the ability to pay back all the missed payments which is almost a full year now. 
PNC Bank closed me out. Held my money, which made my house payment late. Then after saying they would not do any thing to Uncles account .They closed it with out notice. Now his SS check is in limbo.





This is not a duplicate case. Please escalate this to a supervisor or manager. Here is a copy of my complaint submitted to the CFPB. 

RE : Capital One Spark Business Credit Card. 



3 ) Capital One has not changed their Customer Service system and it is impossible to contact anybody for assistance.





I 'm getting things put on my credit report that i dont owe at all.and its really ruinning my credit all up
I had previously filed a complaint against Key Bank and now it seems as if they are retaliating against me by charging ridiculous fees. I have disputed their response of that complaint with the details. However, THIS complaint is to get my {$40.00} back for their Rewards Program Annual Fee that I paid since I will not be banking with them DUE TO THEIR OWN ACTIONS and can not therefore benefit from the Rewards Program any further because I am closing my account within the next week or so when I have time to get there and do so. I have already cancelled my direct deposit and now just have to check out some other financial institutions to see where I wish to bank. 
So, the {$40.00} they charged me for their Rewards Program Annual Fee should be returned because DUE TO THEIR ACTIONS I will not be able to " cash-in '' on my rewards points since I will be closing my account soon.
Also cost of fees and charges go up and up. No reason for this increase in cost every year.
I feel this is unfair treatment. I should be able to notify my vendors and be given new card information to work with immediately. The world does not wait for things to arrive by mail. 
finally, Capital one claims they called my cell phone and " could not leave a message '' ( no reason why ) and they called a number that apparently they had on record that I had called from at one point in time. It turns out that is my BOYFRIEND 'S phone number. If that had been an ex-boyfriend that could have been dangerous for me, possibly. I do not like that they could call that number without having asked for permission to use that number. That appears predatory and beyond cautious despite some " fraud '' that I know nothing about. I know we need to know about fraud and that they need to be careful, but this seems BEYOND careful and leaves me feeling like a victim. ] I WANT TO KNOW WHAT MY RIGHTS ARE WHEN IT COMES TO NOTIFICATION AND AFTER EFFECTS OF CREDIT CARD FRAUD.













I keep getting the run around and no clear answer from my bank at this point I owe them for an ATM transaction and god knows what else.
I borrowed {$700.00} and am attempting to make arrangement with the lender. However the lender insists on charging me 400 % interest and applying all payments to interest first. This is completely usurious and unconchionable. The contract should be void as a matter of public policy.
I called Overton Russell Doerr and Donovan because I received a letter that a judgment would be placed against me. when I called there company I was greeted with rudeness and utter disrespect. I was first told they would not speak to me with out a phone number, when I gave them my phone number they said it was unacceptable and they needed another, I tried to explain it was my only cell the rep refused to listen and kept claiming i was lying and it does n't seem like a real number so i asked to speak with a manager. When the manager came to the line she said the same that the number i provided sounded fake and that they were doing me a favor by trying to help and that they could just hang up and sue me. when I said caller ID would verify my phone number the manager then started to say i sound like Im on speaker phone and she would hang up immediately if she was, when i advised that she was n't, she said she better not be or she would hang up and forward my account, I told the manager that I just wanted the original bill because I had some discrepancy she stated that all I was doing is stalling and that " guys like you never want to pay there bill '' after that I was so upset I said just send me the bill and hung up the call.
We have an excellent credit score and significant net worth so if we could find someone to help us, there is no reason for us to renew our draw period for the additional 5 years that are outlined in our note. 
A third party collection agency is calling my job on a debt that I paid in full in 2008 with another collection agency. This agency will not give me a name, number, or addrss to send them my paid in full letter. they are calling my place of employment and threating me!




I recently ( today ) had to make an online transfer from myBank of America account to a International German account. 
I did not looked at this before, I did not know this was thetype of services I was getting provided. It is unfair for thepeople whomake an honest living getting cheated this way.




SCS representatives also failed to notify me that the call was recorded, which is required by California penal code. 

I have not authorized any automated calls to my cellular phone and received numerous calls from SCS ' office using an Automated Telephone Dialing System, which is a violation of the Telephone Consumer Protection Act. 

I guess you guys just accept complaints and do nothing about them. Just another new, but not novel bureaucracy to inspire hope but deliver exasperation. 
Thanks a lot people for putting my taxpayer dollars to good use, once again. 
Wells Fargo has reported out payment 30 days late. We contacted them and explained the situation:1. they set up our payment on a holiday 2. our payment did n't come out automatically. Upon speaking with one of the loan officers there they told us that is clearly their fault because the payment arrangement are never set up for holiday and we were suppose to be told there wont be automatic withdrawal on that day. We were advised to file a dispute with WF which we did. We requested the late payment to be removed due to reasons above. We waited 30 days on the response and upon calling them they stated they have never received our dispute. I had a fax confirmation and after confronting them about it they told me I was given a wrong fax number. I re-faxed the dispute and I received answer from WF stating they did n't do anything wrong, they ca n't remove late payment and that they added a compliance condition code on my credit and they will not remove it until I I tell them I agree with their decision. I received another letter today explaining payment arraignment and how we did n't comply ; however they are omitting the fact that our payment was set up on a holiday and no one told us we have to physically make a payment. What they are stating is that we cancelled automatic withdrawals. If we knew that we would make a payment ahead of time. They also never notified us that the agreement was broken what would trigger us to call and find out what happened.
To compound the issue, Ally Bank never proactively contacted me that there was an issue, it was only through repeated calling that I found out things were blocked waiting on some new verification action.
Experian is reporting a negative account that does not belong to me. This account was previously deleted from my file by the creditor as it did not belong to me. I am attaching the response from the creditor deleting this information. The original creditor is not listed but it is for the same amount as the previous account. Experian is not allowing to make any online disputes and I am not able to speak to a representative as you need a report number to do so. They continue to report erroneous information and refuse to do anything about it.
After looking at my credit report, I saw a collection account that does not belong to me. I am not allowed to dispute this information online on Experian or over the phone making it impossible for me. This false information is ruining my credit and knowing full well this people did not do their job and allow people to just post false accounts on my report. They need to delete this information immediately and do a proper investigation as this information is not mine.

This is an allegedly shady move on Wells part to agreed to a lowered amount in a letter which is unenforceable because of the lien on my home.  A good faith lender should reduce or eliminate the lien in favor of the negotiated amount in this letter so I can give that to the escrow officer to pay off when the house sells.  

This is unprofessional and seems predatory to have hand delivered items left on a door step with no identifying information. That the company refuses to answer questions about their practices is also troubling. If they are authorizing this type of behavior, they should be able to acknowledge this is their practice to anyone who asks - especially someone who has had it happen to them. Also, to not allow us to speak to a supervisor, or someone other than the phone rep who has no authority, is horrible and leaves people feeling helpless. We will call the police and report the trespasser if they do it again, but they should not be treating people like this.
I own a house and a mortgage. I pay PMI insurance. I do not want to pay PMI insurance after I have reached the required 80 % loan to value ratio. I have reached the required loan to value ratio of 80 %. Ocwen owns my loan. They say I need to pay {$440.00} to have my house appraised before they can get rid of my PMI insurance. None of this was disclosed to me and want to know if it is legal for them to require an appraisal in order to opt out of paying the PMI insurance.

My expectation is to quickly resolve this issue and reverse the fee from this time and last. Also to please educate their customer service folks on ethics for not lying to customers ( paper versus electronic ). I have submitted a complaint to the Better Business Bureau as well as recommended by the websites dealing with Mortgage fraud.
I attempted to apply for a Discover Card Online. The system did a hard credit pull and then disconnected me from the application process. I called in and was told that another hard pull would need to be done to complete the application. I never agreed to any hard credit pulls in the process and called and advised them of that.
Greentree removes my tax money and does n't pay my taxes until a month later. This time they decided to raise my monthly impound to cover this, by {$1200.00} a year, saying there is a {$970.00} shortfall. There is no shortfall, they just remove $ 4K+ from my account a month early. 


I have since requested that impounds be removed for all but the mortgage insurance.
I have never failed to pay a debt in my life. 
Capital One purchased my account from another company and then claimed that I made a late payment with them, but I did not have this account with Capital One at the time they are reporting a late payment. Now that I have disputed this account, they have reported a disagreement code with a resolution of dispute to all of the credit bureaus without my permission. This has blemished my credit report further.



Please see about getting the credit reporting companies policy changed with regards to SSN and names. 
Thank you. 


I immediately called Bank of America and was told by the representative that BOA only sent me the short form of their terms and conditions, but the long form ( viewable by BOA employees only ) included language that specified balances carried forward would be subject to an increased APR. Naturally, I was quite frustrated to learn that BOA intentionally misled me by giving me an abbreviated contract that left out critical details like this. He agreed and credited the {$90.00} with the promise that future interest charges would be investigated and adjusted to honor the terms and conditions. 


There is nothing more frustrating than spending over an hour being bounced around from department to department for what should be a VERY simple request. Like many homeowners across the country, our property taxes increased. That means that our monthly payment went up. To make the burden less impacting, I called Bank of America and asked that they spread the shortage over 24 months. The responses I got were, " the system wo n't let me do it '', " you need to talk to Collections '', " Reg E prevents us from being able to do it ''. Not only are these responses not helpful to the consumer, they are inaccurate. I am beyond frustrated and unfortunately, this happens every time I call my mortgage company. I am beginning to wonder what type of training the customer service department receives and at what point they will take their customers seriously.
I checked my credit report and found this collection on my report. I have no knowledge of said debt and would like documentation to back up their findings. I assume this is medical by the name and MED in the creditor.

I renegotiated a mortgage wth M & T Bank during a bankruptcy proceeding.I have made prompt payments for over two and a half years on the new loan. The Bank refuses to send any information to the credit reporting bureaus depriving me of any credit rating. The bank during this time tried to collect illegal fees of over {$6000.00} that I had to hire an Attorney to get them to rescind. They now want a recommitment agreement which would put that fee back in play in order for them to report to the credit bureaus.

When I called the collection agency about this debt they asked the usually questions and I found out that they had the wrong name on the account. When I asked if it could be removed I was told to contact the credit bureau because they are the ones that made the mistake. I told them that the bureau only reports the information that is given to them and that the company supplied the wrong name. 

They refuse to admit to the mistake and contact the bureau regarding this matter.


Paypal smart connect was impacted by fraud/unauthorized access. Previous complaint with consumer finance filed. No I longer have access/see my account online. I have ceased getting statements/have no record of the account or what the current balance is. 


I need to know the status of this account and I need to make sure that any late status on this account is n't reported as my fault as I am currently unable to manage/access the account. 


Request that the CFPB make rules to stop predatory stock sales, require written disclosure and upfront cost disclosure and risk, be fair and transparent, hold the financial institution responsible for the employees services and / or dishonesty.
Lastly, how do I go about clearing the 'negative accounts ' on my credit report? 
I appreciate your help resolving the issue as noted here. 
Thank you




SunTrust is clearly engaging in what is commonly referred to as " bait and switch '', a marketing strategy of getting customers to sign up for a product ( that, by the way, carries a yearly fee of {$75.00} ) and then, once a certain number of miles are earned, the account is closed. This is unacceptable and a regulatory violation. 

I have been advised by a third party that there were several innacuracies on my credit reports and discovered that Chase Card had a collection account in my name for a debt that does not belong to me further that I believe was opened fraudulently. 


Saks Credit Card Service will not issue a refund check even though I have a credit balance on my account. 




I have not received my refund check which I requested 17 days ago. By law, I should have received it within seven business days of my initial request. 



I was n't sure if I lost my wallet which had my chase bank cards while I was out, or if it was taken during the break in. 



Today is monday, the 3rd business day. I have n't received any provisional credit from Chase bank, as it is a bank that deceives customers. 

Chase has clamored that the reason for the delay is because it 's a new account. But let 's not forget I knew it 's a new account too, when I closed my account at a strong bank and deposited large amounts into a " new account ''. Nobody knows my pin, the Merchant would not talk to me. I was told to talk to my bank. So what am I expected to do? 

I urge chase bank to honor the words of its members of staff, and issue me provisional credit for all disputed transactions.
We are receiving letter of intent to foreclose on our home due to county PVA department and Kentucky Land Title 's mistake that was made on taxes owed on our property.



Wells Fargo is discriminating against homeowner claims, in a form of reverse discrimination ; holding the mortgage in extended processing, denying a loan modification while homeowner is qualified. 


This homeowner, feels that their case has been unfairly treated for the following reasons:1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person. 
2. A Single point of contact was assigned ; calls were made to the point of contact : no calls were never returned. 
7. Homeowner has asked for basis of denial report, to date Wells Fargo has not provided the basis for the denial. This is a violation under the National Mortgage Settlement Agreement ; specifically double tracking while homeowner provided all documents under good faith to protect their home from foreclosure. 

The Banks ' failure to discharge their required loan modification obligations, during homeowner 's honest attempt to save their home from foreclosure. 

Alleged violations, included, but are not limited to, the following : a ) failing to perform proper loan modification processing ; b ) failing to manage processing agents and special points of contacts, therefore causing a processing center unable to handle homeowners case loads, a form of mortgage discrimination against homeowners
Because we had dual job losses a few years back, Discover placed us on a few programs to assist us with our payments. We made every payment owed. Our last statement showed that they are now charging us 24.99 % interest. Discover now says that our programs are over and thet we have to wait FIVE years before they will consider lowering the interest rate. It was never explained to us that they would charge such a high rate. We can not afford this. We can not make a dent in the principal because of the extremely high rate. We contacted Discover to ask for help, and were told " too bad. '' I fail to understand why we are being punished when we complied with their programs, have faithfully made our payments to them, and are not behind at all.
Portfolio Recovery does not disclose who is calling or why. Only after looking the phone number up online did I discover that they were a collection agency. 

They are also trying to collect on debt that is past its statute of limitations.
I had a checking account with M and T bank. I had an overdraft line of credit with them as well, just to be used if my account was overdrawn. I had this for several years with {$0.00} in fees and a low APR - since it would be a charge of {$10.00} or less and paid off at the end of the month kind of thing. 
During this time the " free credit report '' agency billed me twice for 40 dollars, and then again for 40 dollars which I got reversed. 
I called and said close all my accounts, and never spoke with them again. 
2 years later when I applied for a car loan, I look at a copy of my credit report and find out MTB sent a delinquent notice to all the credit agencies. 
They never called me. 
They never sent the NINE DOLLARs to collections. 
I was furious, I called M and T and they refused to do anything except let me pay the 9 dollars and stop reporting the delinquent account. 
My credit will be impacted for 8 years because of this travesty, please help me. 
Because my accoutn is closed I have no paper records of this - maybe if I file a lawsuit with the bank I can subpoena them?










I am in process of writing Check N Go and will use the information provided here to further understanding of my case. Ultimately I want them to admit error, and discontinue pursuing me or I will be forced to protect myself in a more formal, legal manner. I expect this will be completely resolved without any affect to my credit score or credit history with your further investigation. 




1. I expected notification or revised free credit report from Transunion after incorrect information has been corrected. This did not happen. 
2. I expected an email notification from Transunion after I disputed this item. There is no notification from Transunion. 


I hope practices of these credit reporting agencies will be reviewed and their standards will be improved to ensure that customer information is kept up-to-date with data providers. There is no need to waste consumers time for data synchronization issues between credit reporting agencies and data providers. I am hoping that Transunion will review data from data provider and take prompt action on this matter. It is really frustrating consumer experience dealing with issues like these that should have never occurred.
act of fraud in customer serivcesreport balck male told a lie about replacing atm card needs to have reply in report about him -lying to m e.







! I called into your Customer Service Department and could not get a straight answer. I began working with a non-profit organizationthatsent over documents. 
The bottom line is that I Now have an agreement with GREENTREE regarding my mortgage payments and GREENTREE has created a huge mess which continues to snowball.Despite the cry for help, and theirlies, inconsistencies and inability to provide me with answers to my concerns. I demand that GREENTREE stop the games, to deliberately stop losingpaperwork, so they have no excuse not to help my famil
Can you please look into the above complain because the representatives at BoA do not care about customer complains.

This company also raises the interest rate greatly, and it fluctuates all the time. I 've been paying on my loans for almost ten years, and my amount owed as INCREASED! This company is deceitful, and does n't properly train their employees. There is also no protocol for misinformation/negligence on the behalf of the company. The blame always falls on the person that is paying. At this point, I will probably never be able to pay off this debt in this lifetime.



I am not sure why Penn Credit is trying to make me pay for a ticket I 've paid for almost three years ago in full.
Cavalry SPV 1, LLC has purchased a pool of charged off accounts at pennies on the dollar and are a Third party debt collectors and racketeers, and have violated my due process rights by proceeding with collection activity without validating the debt. 

They are doing this to many others as well have made billions doing so in the worst of economics. 

Their whole case is based on the inability of people to afford and/or be given the right to an attorney to defend such law suits. They also base their cases on defendants going into default and/or not filing answers and/or inability to understand their rights as well as such proceedings. 

I filed answer to the complaint and a response to their request for admissions to the best of my abilities. And at the same time I responded to admissions I requested production of documents, admissions, and/or interrogatories. 


The fantasy that the debt-buyer system is keeping the cost of credit down evaporatedwhen the bank decided to sell off the debt at a fraction of its face value. 

They are doing this to many others as well have made billions doing so in the worst of economics. 

Their whole case is based on the inability of people to afford and/or be given the right to an attorney to defend such law suits. They also base their cases on defendants going into default and/or not filing answers and/or inability to understand their rights as well as such proceedings. 

I filed answer to the complaint and a response to their request for admissions to the best of my abilities. And at the same time I responded to admissions I requested production of documents, admissions, and/or interrogatories. 

Capital One Bank on the false documents has severely damaged my ability to support myself and my credit ratings and/or obtain money and/or property and/or to consolidate my debt. And now are helping these racketeers to committed fraud by preparing and submitting a known false document to this court with the intention that I rely on the false document to deprive me of my rights. 

The fantasy that the debt-buyer system is keeping the cost of credit down evaporatedwhen the bank decided to sell off the debt at a fraction of its face value. 
I want these calls to stop occurring right now.
I had to cancel my Banana Republic Card due to freud charges. I forgot to update my online payment through my bank and paid on my old account. Because of this, Synchrony Bank has been calling my none stop about not paying my bill. I have called them several times and they told me it takes 15-20 days to transfer my payment from my old account to my new account! They froze my CC and I ca n't even use it! I have a copy of my bank statement which shows I even paid them and the payment was on time. They wo n't unlock my CC until my payment has been transfered. I even made another payment and because they have n't posted it yet, they still wo n't unlock my CC. I even made an early payment the month before and they charged me a late fee!


When I originally set up this loan, I was provided checks to write against my " Available Credit '' and make purchases accordingly. Up until Fall 2014 that was still the case. Now I am not able to write any checks or requests any monies against my " Credit Line ''. I was told by a Springleaf Representative that this was caused by my poor credit rating and my inability to make minimum payments to my other credit cards in which I have gotten behind on, by not making timely payments. 

My complaint is that I have made on time monthly loan repayments to Springleaf Financial over the years and that I should not be penalized by Springleaf for my inconsistent credit card payments with other companies. 

Also, if I do not have a credit line that I may access and I am not allowed to re-negotiate the terms of my loan, then I asking CFPB to give me some guidance and a way-forward out of this non-benificial loan for me.



A couple of weeks later I got a package that asked me to sign for the modification and stated that I needed to pay {$2600.00} in order to be get the modification reinstated. This is the amount that I had already paid to Ocwen, but my checks were sent back along with the paperwork so for some reason they were not cashed. I then sent the paperwork back along with payment but once again my checks were sent back. 

This is ridiculous. I have demonstrated that I wanted to accept the modification and sent in my payments, but due to the disorganization of Ocwen I am declined.
Dear Sir or Madam : I am writing to dispute the following information in my file. The item I am disputing is attached in this email. 
I am requesting that the credit bureaus delete the information or correct it. 
They also told me I could start a process to get my money back in my checking account with Citizens but I would lose the fees I 've paid for the wire transfer to be made. 
I just want to find out what happened to the money. Even if there was something wrong I should have gotten a phone call or something.. This is not the way a Bank should treat a client/customer who trusted the Bank. This is disrespectful! 
Another thing, they should clear state to the customers they are NOT allowed to do International Transactions and that their money is going to be transferred to another Bank for the transaction to be complete. 
I just want Citizens Bank to be responsible for the deal I 've lost in my country - that money was supposed to buy a condo and, of course, I lost the deal! 
I would appreciate someone to please investigate this case and force Citizens Bank to improve the way they treat their costumers and solve situation. 

Bank of America has no concern for their customers and consistently exhibits horrible customer service. 
Today I needed assistance and got unsatisfactory results from : * The website ( due to a poorly-designed customer interface ) * The phone system ( hung up on me ) * An in-person branch visit ( computers were down ; gave me bad information on how to solve my problem ) * The online app ( ca n't fix the problem from there although I was told I could ) * Technical support ( went out of their way to blame me for the problem ) * When I called customer support, my call could not be elevated any further because 'management is on the phone'These are some of the lies Bank of America told me along the way : * " We are committed to excellent customer service '' * " Your time is precious '' Clearly Bank of America has stopped caring about performing competently or looking after their customers. I am lodging this complaint with the CFPB in hopes that Bank of America might listen to them ( they certainly are n't listening to me ).

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Collection Agency Abuse of Powers. 
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
I have been denied a Modification due to the Servicing Company 's admitted error and slow processing time.
I have been in contact with Equifax for the past 2 weeks in regards to accessing my credit report. My bank, as well as myself am unable to pull the Equifax file and I am also unable to access my personal credit report through my paid monitoring service. I was informed that it is due to too many soft inquiries and was informed " nothing could be done ''. This is completely unacceptable. I need these soft inquiries purged in order to be able to access my report. Please help!
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
They keep calling even after I made payment. Un fair pratices in regards to re-payment options. Very mean and nasty people.
The purchase was for some {$110.00} so the cash back would have been about {$5.00} ... but that is n't the point ... .this bank to me, has falsely advertised it 's promotion!!!
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Since then, my home value has rebounded some, but is still 40K below what I paid for it. I am struggling to pay my bills and because of negative equity in the home, I have been denied at every turn. 
I tried the HARP program with the federal government and did not qualify, I talked to reps at HUD, FHA, Wells Fargo and numerous other financial institutions and I have been unable to obtain a refinance. Recently I reached out to my Congressman and Senators about helping work with Wells Fargo to obtain a refinance or a rate reduction. Recently, Wells Fargo denied my inquiry and had me apply for a refinance, which they denied due to negative equity in the home. 
I am a car accident, replacing my non-functioning AC system, or a broken aging appliance away from not being able to pay Wells Fargo what I owe them monthly. I am current on my payments, have good credit, and want to pay my obligation, but if " life '' happens in any way, I will fall behind and not be able to pay. 
I have run out of options and need this rate reduced or a refinance or I risk default on my loan and foreclosure. Even in foreclosure, I would be at risk of a lawsuit because Wells Fargo would likely not get anything due to the negative equity.
Had Hospital Bill over {$20000.00}, Hospital had contract with Insurance Company to pay at contract rate per their contract. Hospital is trying to collect over and above what was contract for. Hospital has sent a collection agency after me and is harassing me to pay an additional amount of money above what the Insurance paid.
I have been working diligently with Bayview in resolving the situation. I have requested that the total amount due, upon verification, be added to the monthly principal. This would be the most expedient method for both parties in resolution. 
I am quite able to make the original monthly mortgage payment of {$200.00} that continues to be made monthly, in addition to the homeowner 's insurance and HOA dues that are current. 
I have a very close friend of over 35 years, who is temporarily forwarding $ 2,000.00/month in order to meet my affordable financial obligations. This is as secure as a bank loan in the monthly income being received. 
I found a ding on my credit report from this company and have NEVER received a bill or any other communication from this debt collector.

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

We turned to the North Carolina Foreclosure Prevention Fund and were approved for their program. The NCFPF then made good our back payments for both mortgages and continued to make payments for a little over a year until our maximum had been reached. 










2. After paying the tax bill, that they did not need to pay, the lender opened an Escrow account, to cover the taxes. The lender subsequently increased my mortgage payments from {$1600.00} to {$3200.00} per month. 




We are having communication problems with BB & T Mortgage, we were hoping you could intervene and get them to help us get our mortgage back on track. We have tried to work with their representatives to obtain a modification on our loan, but they have not responded to our petition. They set us up on a forbearance plan, which we complied to the last payment of the agreement, in the intent for BB & T set us up on a loan modification plan. 
They are either purposely trying to take our home away or have a very dysfunctional process. Either way, we would like for you to look into what they are doing so we can get our loan payments back on track and keep our home. We have had some financial challenges, due to unemployment and delicate surgery. This is what caused for us to fall behind the loss of income, and the recovery time of my surgery. 
The good news is we are all back on our feet.. Our financial problems were due to inconsistent income and some unfortunate events as described above. We were forced to temporary discontinue making our mortgage payments. Without our income we fell into a financial chasm, but we tried to keep up with the mortgage payments for as long as we could. Ultimately we fell behind on our payments, what we want is to resume making our mortgage payments. Every other creditor that we contacted was very understanding and worked with me through our temporary financial and health crises, but BB & T Mortgage is refusing to come to the table with any tangible solution for assistance. During all of this we have tried and complied with BB & T Mortgage to get some help with our mortgage, buy agreeing with the forbearance plan but they wo n't listen and have denied me access to government homeowner assistance programs. No matter how many times we have contacted them, it has been a futile effort. We have not had a single point of contact nor have they offered any sort of assistance or repayment plan to get our payments on track. They insist that we pay our entire past due amount, but this is impossible and we are left with no options because they will not work with me. We have been given the runaround by them and just feel they are acting as judge, jury and executioner regarding our options without fairly reviewing our financial circumstances. If we truly can not afford our home, then we will move, but we believe that our loan fits squarely within government guidelines. We are hoping you could reach out to them on our behalf so we can save our home from an impending foreclosure sale. 
What we want : We simply want a review of our mortgage for all available retention options so that we can keep our home. We do not need a handout or be given something we do n't deserve, but we want the opportunity to be treated fairly. Our financial future looks bright and we will not have any financial issues moving forward if we can get this resolved reasonably. Thank you in advance for any help you could provide. 

URS is contacting a represented party ; misrepresenting that a debt is due when it is not ; and harassing a consumer without any defense.
For CFPB & PayPal Inc, Thank you for deciding to read this message to help me out in regards to a indefinite suspension which was Issued on my servicing account with PayPal. 


The concern was that I was believed to infringe the rights of copyright holders when processing my sales with PayPal. After contacting agents to overlook the decision by phone and email, my request was denied. 


As a last reminder, please note that we have never had to a case opened under the counterfeit category with PayPal. This assures that we as a business never had any related " counterfeit '' problems with PayPal until this indefinite restriction came in place. 
The CD for {$5500.00} was not to collateralize the loan. I have the executed " Note, Disclosure, and Security Agreement '' that shows that the vehicle only was to secure/collateralize the loan.



I spoke with representatives of TransUnion who told me that the information provided me online was accurate and that there were no collections on my credit report and that everything I was seeing online was the what a lender would see. This confirms for me that this was never actually reported to the credit bureaus and was just a tactic being used to get me to settle a small debt quickly that I do not think I actually owed.
This company, Select Portfolio Servicing , Inc ( SPS ) is a mortgage loan servicer. 

please help me out with this matter so no one else can get fooled/cheated by them.
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
I have told this company CBE Group multiple times that they have a wrong number and the will not stop calling.
I received a letter from Worth Finance Corp that included a " check '' for {$800.00}. In reality, this is an offer for an {$800.00} loan with an APR of 91.02 % ( {$370.00} in finance charges ). Is this legal? Should n't the CFPB be shutting down predatory lending of this nature?
My issue with Bank of America is in the process of being resolved, however the practice described must be investigated and action taken for BOA to discontinue the practice described for my situation. If other individuals have been charged fees for like situations they should be refunded and BOA penalized for it 's actions. 
THE FOLLOWING ARE THE REASONS THIS MODIFICATION SHOULD BE RECONSIDERED. 














Dear Sir/madam, I have disputed an item that is illegally reported on my credit file with Eperian, But it has been over 30 days since they received a dispute letter. I have n't heard any result of investigation.
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP THE CALLS!




Thank you.
I have been trying to modify this property for years and the lender continuously "lost" our paperwork or "never received it." They have been not returning calls and even hanging up on us before I can reach the appropriate party. They have denied modifications because they say they haven't received paperwork we've sent numerous times. Now there is a sale date on the property.

The primary issue of concern is the continued harassment of third parties who are not obligated in any way to this matter and the conveyance of proprietary personal information and false claims concerning their professional standing which is in direct violation of the FDPCAFalse statements. Debt collectors may not lie when they are trying to collect a debt. 
Divulging proprietary information of the nature of the attempted contact specifically the Make, model and year of the vehicle which is an obvious attempt and inference to the status of the loan/account.


I do not recognize this account it is not mine and needs to be removed as my identity has been stolen and this is a result of identity theft I have included a copy of my police report and a copy of an identity theft affidavit.
Approximately one day after the second PPMC load ( which was within the guidelines and rules established by PayPal ), I received an email from PayPal that my account was limited due to what was described as " high risk '' activity and that PayPal would be freezing my $ 1K in deposited funds for 180 days in order to make sure there were sufficient funds to cover any payment reversals. 
PayPal 's actions are unjust, unfair and punitive in nature. While I recognize the need to have certain loss prevention policies in place, I believe there is something fundamentally wrong with a system that cites this as a justification for detaining a customer 's money but does not provide a route for appeal or other process that would enable a customer such as myself to refute the implication raised through clear and convincing documentation.
I am highly dissatisfied with Lexington law firms credit repair services, the advertisement states the there is no up front fee, and guarantees your credit will be repaired in 30 days. I have been a client of this company for over a year and have seen no improvement in my credit. I was charged {$99.00} a month for this time.
I have received several phone calls about a debt that I owe to Macy 's. 





Our payments are automatically deducted and we have never missed or been late on a payment. 
They just keep saying that someone will get back to us, which still has n't happened. 
We have been paying the exact same amount for the last two years, then all of a sudden it doubles. They have our money and will not refund it. What now?



I approached Chase 's fraud department to dispute the withdrawal, since they had cleared the money order funds. They referred me to their customer contract where they state they can " withdraw any money from my account at any time for any reason '', which i told them was horrible customer service. 



I am requesting Wells Fargo to reverse, overturn the sale of my home and stop playing games by making the home owners believe they are willing to help you and the ridicules appearance of assigning some person who will never care about your situation or get in touch with you. 
I do not recognize this account was opened up because of my identity being stolen it needs to be removed asap.












We worked out a loan modification which took six years and the bank refuses to remove what they call late payments. Payments were not made because of a dispute with the bank. Once we signed the new agreement we made our payments timely. The bank refused to lower my interest rate and because they refuse to remove what they called late payments I can not refinance with someone else to lower the rate.

The following summarizes my issue with PNC Banks policy, and their refusal to properly rectify the consequence of their mistake. 




I was attempting to get my free annual reports on line and there was a power failure. When I got back to my computer the PDFs were gone I could not recover them. I asked for access like you get when you pay 30 days, but was denied. I then asked to have them mailed and this is the response I got from Trans Union. No pay for it now. I think that is unfair. I tried to get them online and failed. Then I wrote them and filled out the mail request form and then they said no again.
I was looking for someone to help me with my mortgage payments i was refered to a person who is a specialist. in home modifications, he asked me for. all the requirements and asked. me to pay him for his help,

This is the company : Commonwealth Financial Systems , Inc . 
Received a property tax refund from my county for last years taxes. Check has been deposited into my escrow account and loan servicing center will not return this to me. Escrow balance is currently over the amount i owe for the year 4 months into the year


I feel that I provided ALL information requested and that I should not be required to provide additional information. I also asked the representative with home spoke with today to return copies of all documents that I submitted to date because I am concerned that my private information is not properly secure -- especially since they can not confirm what I had submitted.

I SENT A LETTER TO THIS COMPANY ASKING THEM NOT TO CONTACT ME. IT WAS A LEGAL LETTER BELIEVE IT IS CALLED A CEASE AND DESIST LETTER. TO THIS DAY THE COMPANY STILL HARASSES ME ABOUT THE ACCOUNT. I CANT HAVE THIS MAN. I WORK OFF SHORE ALOT AND I DONT EVEN KNOW IF THIS IS MINE.
I recently joined creditkarma.com to begin to rebuild my credit. 






I would appreciate any assistance you can provide regarding this issue. 

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Suntrust required him to sign modification application but then when presented with quit claim, allowed me to proceed without his signature. I have completed the 4 month trial period and loan mod docs have been sent to me. 

Problem : They are now requiring ex-husband signature now. He is an unfriendly/uncooperative party and is trying to leverage his signature with his lawyers for a percentage ownership in the property and other stipulations. 

Suntrust will not let me sign alone even though I made the application alone and the calculations were based on my income alone. I need them to be compelled to allow me to sign alone. 

If I ca n't execute this modification I will have to default as I owe 6k on demand to go back to the original structure. The ex does n't care about defaulting he has family money and many lawyers. Please help me compel Suntrust to allow my sole signature on this modification.
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
It is really disappointing that Bank provides erroneous information. 
Could you please look into the matter and have the money send back to my account as soon as possible. 
After two weeks I call IRS to ask about my refund ; they told me it is already in my bank account. When I checked my bank account, there was no deposit from IRS. 
It is really disappointing that Bank provides erroneous information. 
Could you please look into the matter and have the money send back to my account as soon as possible. 
It is really disappointing that Bank provides erroneous information. 
Could you please look into the matter and have the money send back to my account as soon as possible. 
After two weeks I call IRS to ask about my refund ; they told me it is already in my bank account. When I checked my bank account, there was no depos
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
I believe that this is a deceptive practice, and that the bank should not be allowed to keep this practice. Many thanks for allowing me to report it.
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
My mortgage is serviced by Ditech Financial and I am being harassed and threatened by the account rep working on my account. 
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
THIS COMPLAINT IS IN RESPONSE TO MY ORIGINAL COMPLAINT THAT I HAVE FILED AGAINST BC SERVICES, WHICH CONTINUES TO VIOLATE THE LAW BY REPORTING INVALIDATED INFORMATION ON MY CREDIT REPORTS. 



I WOULD NOW LIKE TO KNOW WHAT ENTITY CAN NOW INFORCE THAT BC SERVICES, WHO CONTINUES TO VIOLATE THE LAW BE SANCTIONED & FINED FOR DIRECTLY VIOLATING THE LAWS?
I am getting constant calls from Portfolio Recovery Services. I do not have any old debt. They never leave a message. I researched the numerous numbers they use to contact people and I do not answer the phone because it appears from the research that this company is not creditable. I just purchased a house, so I know my credit report is clean.
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
THIS IS NOT MY DEBT! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Please help me.
You all have failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. You all have also failed to adhere to federal regulations and violated several laws of the FCRA. 
OK I DONT KNOW HOW THIS HAPPENS, BAD PEOPLE I GUESS. BUT ANYWAYS I SENT THIS PLACE A LAWFUL NOTICE THAT THE ACCOUNT IN QUESTION IS NOT MINE AND SO IT SHOULD NOT BE ON MY REPORT AND SO THEY SHOULD STOP CALLING ME
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

You should be very careful about enticing customers to apply for loans without having all of the facts of the matter. This process caused harm psychologically and emotionally and I made financial decisions based on your bank 's words of certain loan approval. 

Deceptive practices were used to get to my apply for a loan that I did not seek. My paperwork was kept without my approval. 



In this case the bank obviously did not work in the best interests of a customer. In fact the bank did quite the opposite. It compromised by credit availability and also put me through a grueling and intrusive process despite promises to do just the opposite. 

This kind of banking practice is unfortunate and harmful and banks should not be able to make promises that that can not keep and fool consumers
You all have failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. You all have also failed to adhere to federal regulations and violated several laws of the FCRA. 
Inquiries : You all have stated to contact the reporter about inquiries and I have and they remain unverified. It is also your job to not report unverifiable information. If you can not verify that I authorized these companies access to my credit file then you are in direct violation of the FCRA, because the FCRA states that Reporting Agencies must correct or delete any incomplete unverifiabe information.
I pulled a credit report and noticed a collection account. It is an amount of 120 dollars. I reached out via certified mail in an attempt to verify debt and even settle since it was a small amount. First Credit Services will not answer me with any information about debt and unfortunately I can barely understand their customer service when speaking over the phone with them. 


The cancellation letter and the amount to collect do not even match.





We appeal to you for any all assistance and remedy with respect to the issues raised in this complaint. 
We thank you in advance for your kind consideration and concern in this matter. 

With kind regards, we remain.
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
You all have failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. You all have also failed to adhere to federal regulations and violated several laws of the FCRA. 

Inquiries : You all have stated to contact the reporter about inquiries and I have and they remain unverified. It is also your job to not report unverifiable information. If you can not verify that I authorized these companies access to my credit file then you are in direct violation of the FCRA, because the FCRA states that Reporting Agencies must correct or delete any incomplete unverifiabe information.
THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!





i do not recognize this information this is a fraudulent account that needs to be removed asap as it was opened as a result of identity theft
I was traveling abroad. I contacted the credit card office to inform them thatI am unable to pay online because I did not have secure internet connection. 
And I requested to allow me more time to send the payment as soon aspossible. However they reported my account as late to the credit agency.
Upon receiving my credit report, I noticed many inaccurate reports that had primarily been reported by Experian. I am seeking all ways to have this report corrected. This is just another tool in this attempt.
This program includes the incentive rewards for borrowers who have received a permanent home loan modification and pay their mortgage on time every month. 
Last week I applied for a used car loan at my financial institution, USAA. I asked for a loan up to {$15000.00} but also told the loan processer at USAA that I hoped I would need a loan for less than $ 15K after we finished negotiations on the car. I was quoted a rate of 2.75 % for this loan. 
After concluding negotiations with the owner of the vehicle for the sale at {$13000.00}, I gave the owner my personal check for {$1000.00}, so the remainder needed for a loan was {$12000.00}. I called USAA to execute the loan, but was told that for any amount less than $ 15K, the interest rate would be higher than 2.75 %. Because of the higher rate, I complained and spoke to several different people in USAA 's loan department, resulting in rates quoted from 4.75 % down to 3.2439 %. They still refused to give me the rate originally quoted of 2.75 %, even though I have a screen printed from their website showing the 2.75 % rate for my loan. They claimed that if I would take the $ 15K ( or higher amount ) loan, I could still get the 2.75 % rate, but for any lesser amount, the rate would be higher. This makes no sense at all, since their risk for a smaller loan amount is less than with the larger loan amount. 

This is nothing more than a classic " bait-and-switch '' tactic. If this was a disreputable loan shark, I might understand their tactic, but for USAA, I did n't expect such dishonorable and dishonest behavior. They should be prosecuted for their " bait-and-switch '' tactic to the fullest extent of the law.

I am very concerned since there are automatic withdrawals from my checking account and a VISA account that need to be maintained.
I 'm quite concerned that this loan is predatory in nature, that I was taken advantage of because of my lack of knowledge of consumer loans and that the terms of this loan were never fully explained to me despite my numerous attempts at contacting the bank. 
On my last visit to Associated Bank, I asked the loan officer if he would have advised his Mother to take this loan? He would not answer me. 

I have attached my original note for your review. 

Credit factors mentioned include finance loans, loan applications..Neither has ever transpired

I am attaching a copy of my credit report, SSN card and a copy of my driver 's license for reference.

I am attaching a copy of my credit report, SSN card and a copy of my driver 's license for reference.
There are two components to the bank fraud that I discovered this morning. 
1 ) Wells Fargo changed my corporate bank account number without advising me. 
RIDICULOUS I CANT BE HAVIN PEOPLE CALLIN ME AND TELLING THINGS THAT DO NOT EVEN BELONG TO ME. AND ON TOP OF EVERYTHING THEY REPORTING ON MY CREDIT. SO I SENT A NOTICE SAYING TO STOP. THEY STILL DOIN IT
HERE GO ANOTHER PLACE THAT I HAVENT GOT A CLUE WHERE IT FROM. I SENT THESE PEOPLE A LETTER TOO BUT THEY PUT IT ON MY REPORT AND KEEP ON CALLING. IT NEEDS TO STOP
Hello, I asked Equifax to provide documentary proof of the negative claim being made on my credit history and they have failed to do so. I have asked them repeatedly to update my credit report by removing the claim on it since they were unable to provide me with the documents I requested and they refuse to do so. I also spoke with a customer service representative which told me they have no way of provide me with such documents as they receive the claim from the creditors and as per their " records '' the claim was valid. I asked for such " records '' and they told me they had no way of providing them to me. That to me was unacceptable.
NO NO I DONT KNOW WHY THESE PEOPLE BE CALLING ME. I WORK TO MUCH FOR THIS TO BE MINE. I SENT A LETTER STATING THAT THEY NEED TO STOP HARASSING ME AND STOP REPORTING LIES ON MY CREDIT.
Green Tree consistently sends me mortgage statements that are inaccurate. The monthly mortgage payment due ( reflected on statement ) varies every month even though I have a fixed mortgage. I am set up for biweekly recurring payments. The payments have always been deducted on a timely manner but the statements do not always reflect payment activity. The last statement I received indicates that I have a past due amount ... ..even though all of my payments have been drafted each month.


I explained to her that I had spoken to her earlier, she said it didnt matter she needed a date when I was going to pay.
I received a payday loan in 2013 ... .circumstance caused me to default on the loan. I employed a service to set up arrangements to pay the debt. The payday loan company would not respond to requests to verify the loan and set up payment arrangements. The debt has been sold to a collection agency who has increased the amount of the loan by an additional {$500.00} and is threatening to take me to court.

I was denied several credit cards and mortgage opportunities. I had no idea why until I started receiving letters in the mail with the reasons why. These letters were stating that " Equifax credit bureau information is missing/unavailable or score not available ; insufficient or unknown credit history ''. 
Curious I called the " Equifax Office of Consumer Affairs '' to ask about the situation. I was told that companies would not be able to get access to my reports anymore because NOW my reports were being held by the " Equifax Business Division ''. 
Meaning mortgages, credit cards, insurance companies and even a job that Im trying to get would have to contact this Equifax Business Division. 
This has been a HUGE burden on my family and I. I cant apply for jobs in a timely matter, get car insurance, nor apply for credit. I also can not access my credit report online anymore, which according to the law I have to right to receive. 
Regardless I have a right as a consumer to access my personal credit report and give permission to other entities without having them contact the Equifax Business Division. 
I would like an explanation as you why this happened. I have also contacted a lawyer about the situation. I am ready to go further if need be. Hopefully this can be resolved without any further problems. 
I would like to have Equfax remove me from these departments immediately. 
Thank you ... .. 

Wells Fargo has apparently been charging us " late '' fees that are actually " early '' fees because we are paying too early. We set up auto pay to be synced to my wife 's pay cycle, but Well 's Fargo decided this was too early in the month so just started racking up {$35.00} fees without any correspondence or notification of an issue. Is this legal? We have many consumer credit accounts and no one has ever penalized us for paying too early.
Thank you for your consideration.
thank you for your time and help. 
Validate the debt before any attempt to collect. I am very disturb with their limited responses ignoring all validation requirements by the FDCPA of 1977 as I request validation Unifund needs to come up with requested verification
In a climate where great caution is encouraged, identity theft is rampant and government agencies are in place to protect the consumer, I am mystified that this could happen. 
To add insult to injury, Transunion will not provide a full credit report without charging me and will not freeze my account without charging me. They have created an incredibly vulnerable environment for someone who keeps my nose to the grindstone, pays bills on time and trusts that the processes in place will protect me. 
I do not even know where to go from here, or what I should do to further protect mine and my husband 's data, strong financial history and my social security number?!?!?!? It has now been sent to someone whose only common data point with me is the same first name.

I am trying to work out better payment terms with PNC bank for my privet student loans but they are not offering any help. 
I pay almost {$500.00} a month in interest on a {$660.00} payment. 
I do n't live like an adult because I owe so much money for school. 
I am trying not to become delinquent, so far i have managed to make my payments but i am on the edge.
After falling a couple of months behind on the payment we were told by SPS that they would review our application for modification assistance. After sending the package in there was no communication for several weeks. When I called in I was told that the paperwork had been lost and needed to be re-sent. I sent the paperwork again and when I called to follow up the agent deflected the conversation into a collection call, demanding to know when we would make a payment. We then began getting correspondence to try and get us to agree to a short sale or deed in lieu of foreclosure, even though SPS had never even opened a review for options to save our home that was actually built by my husband 's uncle! On a recent call we were told that everything that was needed for the review was in and that the file was going to an underwriter for a decision. We waited a few weeks and called back in to find out what the decision was, and were told that SPS did not have our paperwork so no review could be conducted. 


I WOULD NOW LIKE TO KNOW WHAT ENTITY CAN INFORCE FINES AND FEES AGAINST AFNI FOR A DIRECT VIOLATION OF THE LAWS?
Received a loan from CashCall. Was given a {$1500.00} loan and now the interest rate is 129 %. CashCall is trying to collect an additional {$4100.00}. This company 's policies are horrible and they are taking advantage of people during difficult times. The distress that I have been under since dealing with this company has been unimaginable. I do not know how this can be legally allowed. Please help.
The loan, after several years of servicing, was sold to Concord Servicing. A single payment was paid late, generating a late fee. The subsequent monthly payments were paid on time as usual, via online banking bill pay service. Concord continued to charge late fees upon late fees ( pyramiding ). Despite repeated contact with them about this, they have never responded in writing or in any way with an explanation of the fees or a way to resolve these. The practice continues to this day.
Attempting to get my excess Escrow balance refunded to me. Current balance : {$1500.00}. Required Cushion/Minimum Balance : {$300.00}. Company admits there is a problem, but will not release funds.
I found out I was the victim of identity theft and when I tried to put a alertor freeze on my credit Transunion said my date of birth and address wereincorrect. So as far as I know my credit is out there being abused andthe credit reporting agency is allowing it
I do not recognize this account this account has been opened as a result of my identity being stolen it needs to be removed asap
The creditor, Midland Funding , LLC ( " Midland '' ), has been very uncooperative in my firm 's communication with them. Midland purchased the debtor 's debt obligation. However, that debt obligation was discharged in bankruptcy. My firm became involved because we conduct real estate closings and our firm was selected as the closing attorney for a transaction in which the debtor is the seller. 


I contacted Midland and the provided them with the debtor 's authorization for my firm to communicate with Midland on the debtor 's behalf. From the beginning, our dealing with Midland were extremely frustrating. The wait time to speak with a representative were usually between 20-40 minutes. When I was finally able to speak with a representative about obtaining a payoff amount, the responses were mixed but invariably unhelpful. I 've been told that there is a record that the debt was discharged in bankruptcy but that there was nothing else in Midland 's records, I was told that there no record of there being a judgment recorded in connection with the debtor 's debt obligation purchased by Midland, and that the representative would have to contact the internal department that deal with payoff to find out more information. I was almost always told to check date at a later date. 




As a result of Midland 's refusal or inability to provide the requested document, which should be readily available, the debtor is unable to complete the sale of her property and it is creating an undue hardship in what should be a routine procedure for a debt collector of this size.
I do not recognize this account as it was opened as aresult of identity theft and needs to be removed from my record asap



I am now requesting help from the CFPB because the matter has not been handled in accordance with the law. I have attached proof of foreclosure and the credit report with the erroneous reporting from Realtime Resolutions. 

I called back

Please contact me regarding this issue ASAP. I can not afford to have a delinquent payment on my credit. 

I do not recognize this bankcard? This account was a result of identity theft and needs to be removed immediately
Nationstar Mortgage will not remove the PMI on my FHA loan eventhough I have enough equity in the property.
I do not recognize this account it apparently is a result of identity theft and needs to be removed asap.




PRA has failed to provide proper information regarding the debt. I am not aware of this debt and I would simply like proper information pertaining to it or to have it removed from my credit file.

This is a false debt and these people are criminals.

I have been called many times since I became late on payments due to financial hardship and no one ever informed me of this fact. They waited until after I made a payment to bring my accounts " current '' to post on my online account that my cards are permanently restricted. 

I was blindsided and completely mislead. I thought I was going to bring my accounts into good standing when this was not the case. I refuse to be manipulated and lied to into making payments under false hopes and false pretenses.
My husband and I lived at this apartment complex for one year. We were provided a move out amount which we paid in full and had a walk through during which there were no damages pointed out. Months after moving out of the complex, the complex claimed there were damages and that we owed more in rent because they provided the incorrect amount earlier. I tried to reach the property manager several times to discuss these charges but they never answered my calls/emails. Months after this, they sent my account to collections. I provided the collections agency with the inventory list that I was provided when I moved out and proof that we paid the full amount we owed on the account when we moved. They contacted the apartment complex about the dispute and they simply stated that we owe more and they are refusing to erase this debt despite the proof I have presented. They also refuse to provide any visual proof or inventory list of the damages.
Where do I start. We just recently purchased a home and used Southern Alliance for our lender. We agreed on a certain loan amount and was assured countless times we would pay nothing out of pocket. We consistently asked for a good faith estimate and it was never provided until AFTER we received our closing documents which were incorrect. 
My loan is being serviced by Citi Mortgage and the owner of my loan is Fannie Mae. I have been trying to get PMI terminated on my loan from almost an year. Every time I start this process, i get different answers from Citi and they blame it on Fannie Mae changing rules. Initially I was told that PMI would be automatically terminated if I pay of extra mortgage payments and when it reaches 80 % LTV without reappraisal or doing anything. I did that then Citi told me that its not possible for automatic termination and I need reappraisal done. Then I requested when would be the scheduled automatic termination of PMI and they said there is no PMI termination without reappraisal. I get different PMI policy letters everytime I request PMI cancellation and they blamed the PMI policy changes on Fannie Mae. I called Fannie Mae requesting the rules and they mentioned the PMI policy changed only once in last year. I also lodged a complain at Fannie Mae and requested them whom should i believe. Currently my loan is lesser than 77.4 % LTV ratio based on original loan value but Citi keeps pushing for reappraisal and not offering automatic PMI termination clause. I need help from Consumer Finance to resolve this issue.
Years ago when they first harassed me about this issue I asked them to send me the application form where I signed that I understood that I would be charged extra for any pet damages since I had already paid additional every month to have my pet ( that would have been covered for damages ) Also, I wanted photos of the damages because the property manager had told me no one would be available for a walk through with me when I left the apartment so this whole thing seems like a scam to me to get money. They never contacted me again after I requested this information.
2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what they say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Show me that they are licensed to collect in Minnesota ; 7. Provide me with their license numbers and Registered Agent. 

2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what they say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Show me that they are licensed to collect in Minnesota ; 7. Provide me with their license numbers and Registered Agent. 

I do NOT accept this response from OCWEN! 






After doing a routine check on my credit report, I noticed a collection on my report from Enhanced Recovery Company, LLC., for a debt that does not belong to me. 


I have written about this dispute SEVERAL times and neither Equifax nor CFPB has taken proper action. 

Equifax continues to report INACCURATE information even though I 've complained directly to them, and via CFPB. I have sent documents via CFPB to support my claim, but NOTHING has been done to correct the error. Why does CFPB exist if they FAIL to uphold the law that requires them to penalize the CRB 's for inaccurate information when PROOF of the errors has been submitted?



4. Called again and THIS time I was told the cancellation had to have been two business days prior to scheduled autopay for it to be effective Spoke to supervisor who told me nothing could be done. Asked for HER supvsr and was told there was no one else who could help me. 


Wells Fargo sent me a very misleading statement, intended to make one think if they did not take immediate action their home would be foreclosed on. I pay my mortgage each and every month, have never missed a month, and have never payed more than 30 days late.
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Transunion refuses to correct or to add the following comments to my credit 




Is there anything I can do?

Some agency needs to take a look at these poor financial practices by Ally. We never had problems with GMAC. I am sure that with all the late fees they tack on, my credit will be hurt. When I send them proof of payment, they never acknowledge anything.







Thank you for being a Spotloan customer. 

Good evening. 

My Fiance and I have been mortgage holder to a loan being services by Seterus , inc . Through the course their servicing the loan we have experienced instances where there were over payments to the account through payments into escrow, when we inquired about an analysis of the file, Seterus would either stall or not call us back. 


Our position is that seterus prays on the loan holders and works it so that refinancing is not possible due to the late payments, this is predatory and a unfair practice. If there is an overage, why did they report us to the credit bureaus. 

We filed a complaint with the better business bureau and the Florida State attorney. 

Please help us.
Incorrect Personal information. Never had a student loan. Check DOB and ssn.

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

I CAN NOT BE BOTHERED WITH THESE PEOPLE. THEY DO NOT HAVE THE RIGHT INFORMATION AND FOR SOME REASON THEY DO NOT UNDERSTAND AND HAVE STARTED TO REPORT ON MY CREDIT I SENT A CEASE AND DESIST ORDER TO HELP BUT IT SEEMS TO HAVE FAILED IM STILLING RECEIVING CALLS AND ITS STILL ON MY REPORT

Thank you so much,


Please help me I am at my wits end!!! 

We would appreciate any help as we are unable to retain an attorney at this time but we considered this being unacceptable and abusive. 
Thank you!
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
It is my understanding that any contract which does not have my signature is null and void and can not be enforced. This is not what I am asking the bank to do. The loan is not in default and is current in the payment schedule because this is used for business by my ex wife. I am merely asking the bank to remove my name from the loan and credit report. 
So far all I have received is requests for more time to do their investigation and I have been patiently waiting for a favorable resolution. But now they have shifted tactics and is making this an identity theft issue and requesting me for notarized statements and police reports. I submit that it is their lax loan approval process that lead to a loan being approved without proper signatures more than anything else.
I HAVE ALREADY SENT A NOTICE TO THESE PEOPLE TO STOP REPORTING THE ACCOUNT ON MY REPORT AND TO STOP HARASSING ME ABOUT SOMETHING THAT ISNT EVEN MINE NOW I HAVE SENT YET ANOTHER AND NOTHING HAS STOPPED.
My credit card company ( Citi ) contacted a person never added to or authorized on the account by phone. I did not authorize the person, or provide their phone number, to the company. They told me they accessed a 'government database ' to obtain this persons phone number. None of this was authorized by me at any time.
FOR SOME ODD REASON THIS COMPANY THINKS THAT THEY CAN IGNORE A PERSON AND HARASS THEM LIKE THERE IS NO TOMORROW. I HAVE ASKED EVERY TIME THAT THEY CALL AND TO DELETE FROM MY CREDIT REPORT BUT THEY HAVE CONTINUED TO DO BOTH.
Thank you
Contacting my work. Using my work phone to contact me which is a violation of FDCPA. Also I do not owe the amount stated since, as anyone knows, my federal tax return has been takes every year since 2007.
My wife and I have a joint auto loan with Santander. They have placed late payment notices on our credit reports and payments on the loan were made on time. We have contacted Santander about the problem and have disputed the reports, but have gotten no satisfaction. We went as far as sending Santander bank receipts of the on time payments but they refuse to correct the problem.







Story enclosed in uploaded document sent to various Congressional and State Representatives including the Department of Justice.
Dear CFPB, Once again USAA/MasterCard has brought unwanted problems into my life by providing, without my permission or authorization, updated credit card information to vendors for credit/debit cards which I and/or USAA have CANCELLED. 
But the bottom line is this ; none of these problems would occur if USAA would stop providing canceled credit/debit card information to vendors without my permission. 
My cosigner continues to get harassing and threatening phone calls from debt collector NES of Ohio, even though I asked them to stop.
Equifax continues to add several addresses that are incorrect ( lived at the same address for the past 26 years ) to my report, account numbers and year acct open have been changed and information over nine years remain on my report. This is the same complaint I filed against all three bureaus but still experiencing the same problems today.
Equifax validated this account as accurate and correct, even though the creditor responded that the account would be closed and deleted in response to my dispute. Equifax would not provide any method to get this item deleted from my record. The told me on the phone that their investigation was complete and that it was validated and the information would remain. I explained I had a signed letter from the creditor and they would not provide any way for me to submit this information to them in regard to this dispute.


4 ) Used profanities during the conversation.
NOT ABLE TO ACESS REFUNDS FROM FTC RULING AGAINST GOOGLE DUE TO FUNDS SENT TO CLOSED ACCOUNT. 
Why is it my job? Transunion is not in compliance with the law. 
Do I need to hire another expensive lawyer to expedite this? 
Up to this point, Seterus has been unable to explain me why I was never considered for a HAMP and why they did not lower my interest rate.

I presented this option to my HUD Counselor and Financial Adviser and they both agreed that it would put me in immediate default if I sign the repayment agreement. I let Quicken Loans know this council and the said sorry, this is our option. I then asked how this is a benefit and a help? They said you get us paid off in 12 months instead of 48. 

So I told Quicken Loans : My professional counselors have determined that by Quicken Loan 's proposed repayment plan is a guaranteed default and extremely risky to me and my family. I will decline this repayment plan by the professional counsel given to me and I ask you to consider a real and helpful loan modification and not repayment plan that is worse than I already have. 

They then said we are closing you file because you declined our proposal.
Nothing specifically happened to me as I have a good grasp on financial information, however, I found the statement I received to be extremely misleading - especially for those who are not well versed in loans/interest etc. 


Consequently, the Deed of Trust should have been assigned by the originating lender and tothe depositor and by the depositor to the trustee. 
The Note must be endorsed properly when the Security Instrument has been assigned. If thisdoes not occur, there is a separation of the security instrument from the debt instrument. 
2. There is prima facie evidence that the signatures on the Assignment of Deed ofTrust and Substitution of Trustee have been forged. 
3. No document was presented in this examination or recorded in the Voluntary LiensReport which shows that the trustee representing in foreclosure has been duly appointed. 
Details of these findings are discussed in the pages that follow. 
This report is authorized for use by both the borrowers and/ or their attorneys. Thecontent constitutes written evidentiary findings. The expert whose name appears at thebottom of this report supports its findings. The audit service is a " qualified '' veteranMortgage document analyst company and an independent party with no financial interestin the outcome of this case. I stand ready to testify in any State or Federal court as awitness in support of the attorney 's foundation of evidence and judicial notice. Thisreport is based upon facts, documentation, investigation and review of the evidencesupplied. 




On it, I noticed a mistake in their favor. 
My property insurance and property taxes are " escrowed in '' with my mortgage payments. 
I left a message with my phone number, loan number and a reminder of the issue. 
My mortgage company is giving me the run around I have been trying to get a modification for several months. They have ask me to supply documents over and over again I have faxed all my financial information such as income tax returns, bank statements, and paystubs. But now they still asking me more proof of income which I have sent them several times. When I call to speak my loan specialist I never can I always speak to the next representative who is n't handling my case. I was just sent a letter saying that I need a contributor package and two months bank statements or proof of income. Im very exhausted because I been sending in everything they ask for. I feel that they do n't want to give me a loan modification they want me to just give up. That 's why I need your help and guidance. Please help Thank You. The name of the mortgage company is Nationstar Mortgage

NONE OF YOUR CATEGORIES FIT MY PROBLEM. 
I am trying to apply for health care. My identity is apparently verified through Experian. I am told I have to lift my credit freeze, for which a fee is charged. I believe there should be no fee related to health care identity verification. I am unable to find ANY TELEPHONE NUMBER THAT WILL CONNECT ME WITH A HUMAN at Experian so that I can try to resolve this issue. I have been unable to find any other source of information about this problem.
I attempted to negotiate a reduced amount for a full and final settlement of my debt. The collection company, Frost-Arnett Company, told me that I had to front the money that I was offering and they would take that amount to the creditor and see if they would accept it for settlement. I provided my account information and the funds were withdrawn. I was contacted three weeks later and told that the creditor had refused to accept my offer of settlement. I was also told that the money I had offered for settlement would not be returned to me and that I was still responsible to pay the remaining balance. This was not my offer. I wanted to settle for an amount, full and final or I would be willing to make payment arrangements for the full balance.

Can you help me? 

My mortage was recently sold to a financial institution that I nothing about and I had no say in the matter as a consumer. My mortage was initially with Bank of America. My mortgage was with them for 10 years and in good standing. To my knowledge, I did not miss a payment in those 10 years. I have a checking, saving, money market, and credit card with Bank of America, so it came as a shocked that my mortgage was being sold to another financial institution without any choice in the matter.
they put on my credit report that I owe {$600.00} for an account I never had

Please find attached the Theft report from the local police department. This entry should be permanently removed and blocked from any and all files containing my name and Social Security number ASAP. 



My daughter recently filed for bankruptcy and her car was included in that filing. She no longer wants or can afford the car so I decided that I would try to reach a settlement agreement with the lender Consumer Portfolio Services ( CPS ). We went back and forth a few times until we verbally agreed on a fair price. I acquired the monies needed then contacted CPS asking for a written settlement agreement, especially after researching the company a bit and finding out about their shady practices. I was told that they dont give written agreements because everything is noted on the account in their computer system. I had my daughter long into her account the notes they speak of is not visable to us. I called again to say that I 'm not comfortable sending that kind of money with nothing in writing. I 'm sure that CPS would not loan or give me money without a written and signed loan agreement. Their response was " we do n't do that, just send the money and we will release the title ''. This would somewhat explain their recent Civil Judgement with the FTC.

I feel this is a deceptive practice because American Express Card intentionally do not print the card issuance date on the card or in the letter with the card and then they can charge a fee early than what a consumer thought. The American Express prepaid card customer service refused to refund the customer even they admitted the fee was charged early because the card issuance date was early and they did not inform customers about the issuance date of the card.




they said they were Wells Fargo Home Mortgageand asked to speak to someone I never heard of. 
They took over a year to tell me that my escrow balance was deficient. 
My servicer agent told me he would call me back and let me know if I was eligible for assistance under any of the government programs ( ie. HAMP ) and did not. Next thing I received was a letter from their attorneys saying my loan was referred for foreclosure.

can you please help me get this off my credit please
I would like corrections made in a reasonable time. Equifax is not in compliance with the law!
PA has no record of that money. Just want to get our money out of TD Bank andinto our other accounts at another bank.
2. What is their authorization of law for your collection of information? 
3. What is their authorization of law for your collection of this alleged debt? 
4. Evidence it 's authorization to do business or operate in this state. 
5. and Evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Finally a provided complete account history, including any charges added for collection activity. 

None of these were provided in the last year and only deflected because of laziness.

Chase failed to notify me that they were taking over FirstUSA 's credit card business. 
Chase claimed that they could not mail me the card because they do not have my address, but they can send me all the debt collection related mail to the same address without any problems. 
Chase failed to provide account statement and failed to notify me the remaining amount of my debt, which cost me additional interest over these year.
American Express card company called me at my employment location and demanding a past due payment, my social security number, and my checking account number " harassing me at my employment location ''.

1.Was I a victim of Predatory Lending? 

2.Was and am I being treated fairly? 





Thank You for all you tried to do. 
They have called from several different numbers demanding to verify my SSN. They call continuously even on the weekends. This debt is also over ten years old. They bought this from someone else and demand that I pay them today.

Schachter Portnoy LLC. a debt buyer and/or collection agency typically of defaulted credit card accounts, which were purchased for pennies on the dollar in order to collect on them with a mark up of over 2800 %. They have been known to sue consumers to collect on these purchased debts and allegedly coerced debtors to pay using illegal tactics violating the Federal Debt Collection Practices Act ( FDCPA ). 807. 

Particularly relevant to this case, 1692e ( 10 ) prohibits " [ t ] he use of any false representation or deceptive means to collect or to attempt to collect any debt or to obtain information concerning a consumer. The false affidavit was meant to misrepresent to the court and I that business records regarding a debt had been reviewed in order to intimidate. 

In the affidavit, that business records regarding a debt had been reviewed and that the affidavit was submitted in connection with collecting a debt. It does not say I certify that the foregoing statements made by me are true. I am aware that if any of the foregoing statements made by me are willfully false, I am subject to punishment '' Or Affiant is competent to testify and/or Have annexed thereto certified copies of all papers or parts thereof referred to therein. They also have other fatal defects, such as blackouts in documents.
I closed my credit card account with Capital One at this point and paid off the remaining balance minus the {$1000.00} rebilled by Capital One to my account in error. 
I am very disappointed that this error occurred, and dismayed at Capital Ones refusal to immediately correct the error. I am sure that if the error were made in my favor, they would take quick action to remedy the situation. 
Here is a list of the transactions related to the original charge and culminating in the charge made in error. 
I am writing you to lodge a formal complaint to TD Bank regarding the sudden, unjustified closure of my TD Cash Rewards credit card account. 

Please see about getting the credit reporting companies policy changed with regards to SSN and names. 
Thank you. 
C. Among the serious deficiencies are:1. Plaintiff lacks legal standing to foreclose. 
On EBAY, I had to take down all my items. I 'm locked out of Paypal for the forseeable future. 


At no time was this an attempt not to pay, nor does it accurately portray my credit worthiness. 


I never received a contact back from their offices. I just want this removed from my credit. It is not a fair reporting of my credit worthiness and is unfairly inhibiting me from gaining the credit required to move forward with reasonable home and auto loans. 

Please help. 

Thank you for your consideration of this situation.
I called several times and inquired about options and to inquire as to my new payment. I spoke with different people every time and was given several different answers, I stopped calling. 
The loan payment changed and I have continued to successfully make the payment for most of last year. 
I was called recently by Wells as asked if I received a letter from Wells and about another change in loan term. I have not received any letter and I continue to receive my loan payment monthly. I was told my monthly payment was going to increase again. 
It is unfair and just plain wrong the lender can continue to change the terms of my loan as they please. Without regard, I fear the lender will be contacting me in the future again with another increase in payment.
I have fully complied with all their requests for financial information for the past 6 months. They are requesting the same financial information over and over again. I have sent them " proof '' of income several times only to be informed it is not enough. 
I have attempted to correct this situation through personal phone calls, letters and lawyers. To date, no one is listening. 
This matter has been placed on the court 's calendar and I submitted opposition papers to a Summary Judgement Motion on the basis that the Note to the Subject Property was not attached to the Bank 's Motion papers. 
The collection agency insists I owe a debt that is not mine. They will not comply with attempts for verification of debt.
payday loan company offered a loan called really early scam they want {$110.00} up front. 
Unfortunately, I have no way to scan and upload my payment receipts or any other proof of our good faith to our commitment to repay this loan..


They are also falsely billing for this so called " property preservation service ''. That should be removed immediately and credit plus interest should be deducted. 

I contacted them to find out more information about this harassment years ago. And no knows anything ... 

Convergent calls and sends letters stating that I owe money on a phone bill when the phone company says I do not.
I CHECKED MY CREDIT REPORT TODAY AND I HAVE A NEW ACCOUNT WITH THE COLLECTION AGENCY PORTFOLIO RECOVERY. I DO NOT HOW THEY ARE REPORTING THIS. I WAS NOT GIVEN THE RIGHT TO DISPUTE OR ANY KIND OF INFORMATION FROM THEM BEFORE THEY STARTED REPORTING THIS DEBT.
Hello, after repeated attempts and interminable phone tree choices I have been assured that " the check is in the mail ''. 
I am to please understand that up to seven working days are needed to allow the check to arrive. 
the last check sent to to me by Nationstar actually bounced a week after depositing it in my checking account. 
and basically no rules at all and with no consequences for Nationstar. 
I would like to speak to a representative from your department at earliest opportunity. 
Wells Fargo 's conduct is deplorable, likely illegal, and clearly unethical, though I am not sure WF knows what that mean or, if they do, they clearly do not care. They need to be fully accountable for their actions complained of herein. 

Wells Fargo Bank MasterCard upon reissuing credit card, changed my name on the new card without my authorization. The name on the current card is not mine rendering the card useless. After months of asking the bank ( staff, local bank mamager, finally CEO ) to correct the error back to my name, they continue to require that I submit a written change of name authorization request which I refuse to do as it sets a dangerous precedent. The bank refuses to admit their error and has, so far, refused to either provide me with a copy of a name change authorization that erroneously changed the name on my card or to correct the name back. I 'm at the end of my rope and prepared to persue legal action against bank.
Every month I received a bill from Ocwen for my mortgage. The invoice is incorrect. It is too high. I call Ocwen and they tell me to just pay the amount on the website, the invoice is wrong.
upon request of docs, i was told i was speaking to an attorneythey also have reported the same information in duplicate as to affect my scores
I do n't think it is fair that I have n't gotten any kind of resume support, job search help and ect of the understanding of me completing the program that I have to be in more debt!

I have another active and initial purchase range to {$17000.00}. 
This is pretty good, they can arrange anything they want to put out there for creditors to see whether it is right or wrong. If you try to get your report, which is supposed to be free if you are denied credit, they charge you. So you could be a victim of identity theft and Equifax does everything to help keep the info from the victim. I tried to reach a real person which you can not. All they want is a credit card.


UDAAP VIOLATIONS OVERVIEW Caliber Home Loans continues to state that they do not have to remove the sale date since my complete package was not received more than 37 days out from the sale date but the truth is that Caliber Home Loans put the sale date on my file after an initial RMA was submitted and within 35 days of the sale date, making it impossible for me to satisfy the deceptive 37-day excuse as it is a lie with a side of abusive business practices. 

Per the consumer rights violations identified above, I 'd like for Caliber Home Loans to answer the following questions so that all parties involved can get a better understanding of Caliber 's standard operating procedures to address wrongdoing and adjust expectations moving forward:1. WHAT IS A COMPLETE PACKAGE? 
a. At what point is a request for mortgage assistance ( RMA ) application considered " complete '' per Caliber and the CFPB 's dual-tracking laws established to protect struggling borrowers like me? 
b. Who determines the " completeness '' of the package, the single point of contact or the underwriting representative, and how is the borrower ( me ) informed? How long am I given or do I have per Caliber to satisfy the request for documentation? 


I need assistance with getting incorrect information removed my credit file. 
1. Inquiries- un-authorized2. collections account I want proof with my signature establishing/bonding me to a contract of such said debt

Asked for me to verify my personal info. 

I do not have any outstanding debts, and believe this is a scam.
I have an issue with my Transunion credit report. 
All my bills show on time payments. 

I had recently made settlement arrangements with the recovery department of Santander for a car loan that defaulted last year. I had fallen onto a period of financial hardship due to unemployment and was unable to make my payments. While the settlement agreement was resolved amicably, they have not yet sent me receipt of payment and more importantly, they have not issued the title to the vehicle. This puts me in a very unfortunate position as I am trying to register the vehicle in my state and they are preventing from doing so without the original document. Without registration, I am unable to acquire insurance and thus legally maintain the vehicle. I have made several attempts to contact the company to resolve this issue and keep finding that the date they will issue the title gets pushed further back. My last communication, a representative from the office of the president, curtly responded that " I went this long without making a payment, than I can wait this long without the title ''. I am trying to do the right thing, by paying off the debt, and abide by my local laws. I feel that this company making efforts to reprimand my delinquency but consequently preventing me from accomplishing this goal.
Though I was assigned a homeowner support specialist, she was not available for me to get in touch with, without scheduling a phone appointment with her several days in advance. Sometimes I would receive the call I was waiting on, sometimes I would not. My emails went unanswered, and my questions and concerns ignored. 


Tell families never to take a private loan ; public ones are bad, too, but private ones are nothing more than goudging.
Collector has contacted me at work when I have told them to call at home. Ask my employers receptionist where to send garnishment paperwork. Also faxed employer a form for my personal information.
Desired solution : - They need to have a policy regarding calling payments into customer service that does not include paying {$15.00}, if they have proof that their website is not working properly. The website is free, and I would prefer to use it to make payments, but it was not working. 
- When a Supervisor/Manager is requested, they should have a process to connect someone with the Supervisor/Manager and not hang up on that person.

Through mergers and coercive behavior, the gov is a willing participant in reducing competition and reducing consumer services while funding these companies with taxpayer dollars.
Received phone call on my work line. Individual said it was a personal business matter and would not disclose the nature of the call. I then asked for the name and phone number in which to return the call because I was at work and could not discuss such things. He would not share such information. I then requested for him to not contact me at work, and he then asked to speak to my supervisor. He continued to badger me and I then mentioned to him that I will report him if he continued to harass me. He then said that he 's going to report me. I hung up the phone as work is not the time nor place to deal with harassment. He did n't state where he was from, what the matter was in reference to, his name or any additional information. I did advise him that this was a federal line and that I would report him. In turn, he said he would do the same.
I have American Express ( Amex ) as a corporate card for work to cover travel and travel related expenses plus printing expenses. We also use American Express Travel Services. 
Our Amex expenses populate to a dashboard that we employees use. All charges populate except cash advances that I never use anyway. As employees we are required to code all of our expenses with specific codes for different customers. 
This month the same thing happened again. This time in the amount of {$440.00}. This was associated with another disputed ticket. This had also been paid in full. In this case I was certain I had asked them not to dispute the charge. Again they were paid a second time for the same charge by my employer against my protests. 
To date they have double charged my employer twice and now they are charging me a late fee. 
I think they should have to wave the late fee at least, should probably reimburse my employer, and I think they should be investigated for a pattern of abusive behavior.
This is a classic " bait and switch '' case in which a Citi broker provided misleading information in order to try to close a deal. The result is that it is adding a month to my closing date and putting the deal in jeopardy. My wife, our dog and I are now in rotating short term housing, paying a fortune in rent due to this misinformation. Added to this, a total lack of communication, and you have a hugely frustrating and expensive situation - all due to the broker 's greed. 


Again, scurrilous sales practices paired with no communication after makes for very unethical behavior.
After years of being a " good cutomer '' at Citizens Bank, they elected to terminate our business relationship. This included my wife 's business account ( a nonprofit ), her individual account, our joint account and a joint account with my son. This is done by sending a letter that looks like the rest of their junk mail and being given a week to clear my accounts. They said that the decision was permanent and final. They also said that they did not intend to give the reason. My credit scores are excellent and I have never been deliquent.They erased my bill paying functions and I have lost all records of recent transactions, including those they they decided to no honor. 
My funds are now frozen. They offer no explanations. 
This may be legal, but, certainly, not ethical. 
Our original loan was sold to this mortgage company. We did n't understand how they sold our loan. I have documents but have no way of emailing information but can get someone to help. We are trying to dig ourselves out of the hole and are willing to do it but they will give no options. We were desparate to get our grandchild surgery and took the loan out. Now we have been paying 19 % and they have added on at the last minute and are telling us we have a balloon note and have no other way unless we come up with the complete balance. This is our home and we have no where else to go
A man called and said he was with Dynamic Recovery Solutions ( he called my cellular telephone ) did not identify himself 'only that we wasnted to discuss a personal issue. 

I did not call back -after I read Ripoff report and all of the other compliants on line. They did not even say who they were calling for. 

Seems like a scam
From 3 years ago, when my spouse lost her full time job, I have started negotiating with Wells Fargo to refinance this student loan or lower theinterest rate or increase the remaining period to reduce the minimum monthly payment amount because it is very hard for me to pay. Any how, not anly they never agreed, but they fritghtened me that they may increase the interrest, while the intereset is supposed to be fixed!! In this case, may you please advise if there is a solution? May you convince Wells Fargo to exened the remaini re-payment period to 15 years from now keeping the same interest rate? 




See attached letter for complete details as the letter maxed out this section.
I am writing to forcefully complain about the service I have received and the unprofessional manner in which I have been treated in regards to a US Bank H.A.R.P process/application. 

Imagine my surprise when at closing the Notary Signing Agent did not have a check for me. 
Instead, she provided me with a document asking me how I wanted the proceeds distributed. Had this document been provided to me before the closing I would have stated at closing. After having my hand forced by not making this election prior to closing, my choice was ETF. Electronic Transfer of Funds. 
I was very displeased with the proceeds not being distributed at closing and not having been told about this prior to closing. 
I have written numerous letters, made numerous calls, the Private Investigator assigned to not only mine but others in this matter have also exhausted their effortsI keep receiving letters from Bank of The West that they have turned the account to charge off. This is not my debt and they have not once called the FBI to confirmed as other creditors have that have released the debt. 
THE PROBLEM IS YOU THE CFPB HAVE TAKEN THEIR SIDE AS WELL AND NOT FORCED THEM TO CALL THE FBI TO VERIFY THIS CRIME. THE CARD COMPANIES THAT HAVE RELEASED ME FROM THE DEBT DUE TO FRAUD CALLED THE FBI AN VERIFIED. BANK OF THE WEST SAYS THEY DO NOT HAVE TO. I AM VERY DISSAPPOINTED IN THE CFPB AT THIS TIME AS WELL AS YOU ARE NOT PROTECTING INNOCENT VICTIMS.


The Fair Credit Reporting Act requires TransUnion to provide a free credit report upon request if I have had adverse action taken against me based on a credit report provided by them. It does not place any restrictions on the frequency of such requests -- a new adverse action can be the basis for a new request, no matter when the last request was made.
Evergreen professional recovery has repeatedly called my place of employment in an attempt to get ahold of me after I explicitly told them not to call me at work.



I have detailed records of all my letters along with certified postage and return receipts.

I have detailed records of all my letters along with certified postage and return receipts.

I do not answer calls from numbers I do not know. They did not leave a message.

Synchrony Bank 's payment scheduling system changes the customer 's chosen payment posting date if any part of the payment detail is changed. I have noticed an issue where Synchrony Bank credit accounts change a payment scheduled date ( chosen by customer ) to the payment due date, if the payment amount is edited. 

Advanced to confirmation page, but decided to increase payment amount slightly. 



While likely quite small per individual customer, this issue potentially allows Synchrony Bank to charge/earn significantly more interest ( illegitimately ) across their portfolio because the customer 's average daily balance is higher due to the payment posting later in the month. 

A later posting date results in a higher average daily balance, and therefore interest charge, for each customer affected. 










Interstate Collections continues to call me for a debt from a person who does not live here. They have been told multiple times to stop calling here, but they continue to harass us.
Did not disclose communication was an attempt to collect a debt, I have no knowledge of it and it 's on my credit report? If it was debt it should have been handled by my lawyer because of a Auto Accident, that happened three years ago. Statue of limitations are way long gone for them to be attempting to get a medical bill paid from it. 

Why is this on my credit when the agency has n't even contacted me, and all the debt from this Auto accident has been settled already?
I 'm trying to see my credit reports
Whenever I try to get my credit score report from online I get the message " We 're sorry, for your protection we are unable to deliver your Free Annual Credit Report online. '' I need my credit score report urgently.
it my belief, base discrimintion ( treatment )
I got divorced in 1997 and yet my ex-husband 's family information appears on my credit report ( specifically his brother - I think my ex was using his identity for credit ). I have contacted the credit bureaus repeatedly to get this information removed from my history and nothing is ever accomplished. The process is confusing, no individual to talk with, and I never even get a response from emails sent. Please assist!
We as and plead for your assistance, I ca n't lose my house because of bad record keeping on someone else 's part, a part that they are responsible to keep track of.
The carpeting in our apartment was defective and improperly installed. We signed a lease renewal contingent on its repair. The apartments agreed to this and dispatched a repairman. The repairman caused further damage and was unable to repair. At move out inspection we were told it was not our fault and to not worry about it. The apartments turned around and put this into collections. The collections agency is hold my wife 's and my credit hostage to extort money from us for charges we do n't owe. Supporting documentation attached will help clarify our contentions. Thank you.

The most latest issue is as follows : Please find attached documents for your review ). 

Ocwen continues to put my Mortgage payments into a Suspense account each nmonth, rather than posting to my loan. 
Ocwen is now claiming that I owe them over {$2500.00} dollars. They have never changed the payment amount in their system to reflect what is on their contract. 
Your assistance is much appreciated.
The lawyer filed the paper work stating that I have been served paper work to appearing court for a collection on a debt that I owe. I never had anyone from a court serve me paper work in person. I found out later that a judgement has been issued for me to pay, so I 'm filing a complaint against the law firm.
An offer letter was submitted, outlining conditions of paying a disputed debt, along with a restricted endorsement on the payment instrument itself. 

Portfolio Recovery Associates processed this payment instrument, without adhering to the accompanying agreement. 

Further attempts to follow-up have been unsuccessful.
I have made multiple calls to their customer service department and was told, after HOURS on hold, that a customer service supervisor would get back to me. That never happened. 
I need the money I have paid to use this companies service for a medical emergency. Please help.
I never open an account with this company.
Our accountant has advised us that this company has really made a huge mistake and should be held responsible. 
Statebridge is the worst finance company we have ever dealt with. They are tacking on miscellaneous charges to our mortgage payments that their representatives ca n't even explain! 
We want Statebridge to reimburse us for the {$1400.00} that they cost us by paying our property taxes too late.
I have informed them. I live in California only. No Georgia state nor any other state. 
They have me living in Georgia in my personal information was added.
I am reaching out after experiencing the most frustrating phone call with your Customer Service Representatives. 
1. I have received bad data regarding my private student loan. I tried to process a request for automatic debit from my checking account. I thought it was processing but I was still receiving calls and was told I needed to pay a payment in order to process my automatic debit. I paid a payment and fond out my loan request has still not been processed. 

2. I have been receiving phone call past normal hours of collection per Missouri state law. I have rerecorded all call and will be submitting another complaint with phone recorded and a letter from my lawyer. 


4. The current int rates for my private loans is way above the national average and the rates my other private loans are. I have tried to resolve this with navinet but have been unable to resolve this. I 'm working with class action with a number of account holders on this very topic so I expect not to be over charged or charged more than someone else for Private student loan int.





I was never contacted by Enhanced Recovery with notice of my right to dispute this bill, even though a forwarding address was available to them. I discovered the alleged debt when it was reported on my credit files. 

I have received no reply to my request for records and verification of the alleged debt, or any answer whatsoever. 

I have also received no response on this inquiry. 



Should Enhanced Recovery not furnish the Federal Trade Commission with proof of delivery, showing my Signature of replies within the time prescirbed by law that the Federal Trade Commission direct the removal of the reports as requested above and that they be fined according to the FCRA according to it 's stipulations. 

Thank you very much for your consideration.
Chase never notified me of the sale and the Customer Assistance Specialist did n't know that the loan was sold. When I called Chase today they gave me the info. 
I feel that a decision would have been reached by Chaseif all my info had been sent to underwriting in a timely mannner and the Customer Assistance Specialist was negligent in getting my info to them. She just kept delaying and delaying.
Upon pulling my own credit report, I found out that I had an account in collections with National Credit Systems from a previous apartment complex. Upon contacting them, they were given no contact information at all to attempt to contact me. No phone numbers, no address, no reference phone numbers. Also no attempt was made by them to retrieve this information from the apartment, yet I am being told that this item can not be removed from my report because they made every attempt to contact me. What attempt was made? I contacted them as soon as I found out yet I am being penalized for their poor attempt at collections? I would like this issue addressed.
Persistent attempts to collect debt that the consumer did not owe. 
Improper communication tactics. 
False statements or misrepresentations. 
Failure to disclose information that would allow the consumer to verify the debt.
I wanted to transfer, on Pen Fed CU website, money from our checking account to IRA account. The IRA account was not available for transfers. I called and ask why it was not available. I was told that this kind of transactions is prohibited by law - because of reporting requirements. Is there a law/regulation that prohibits electronic transfer of money into IRA account form checking/savings account?

Your privacy is very important to us. As always, we will keep your information secure. 
We appreciate your business and the opportunity to be of service. Thank you for choosing Discover. 
Sincerely, Discover ( R ) Card Customer ServiceIMPORTANT INFORMATIONYou are receiving this e-mail because you are a Discover Cardmember. 
Please do not reply to this e-mail as we are not able to respond to messages sent to this address. " So, my question is : WHY is there a federal regulation requiring me to tell Discover Card my annual income? And guess what, I am breaking this regulation, because I wo n't be giving Discover Card my income - PLEASE PROSECUTE ME, PLEASE PLEASE.
Sincerely, Concerned Homeowner
What recourse do I have available to me? 

Never had a student loan
LAST FRIDAY I WAS CALLED TO DO THE CLOSING OF A HOUSE THAT I WAS TRYING TO BUY,THE TITLE COMPANY(NU WORLD TITLE,LLC)TOLD ME I WAS GOING TO NEED A GIFT FROM A FRIEND FOR THE AMOUNT OF 3700.00,THAT CALLED MY ATTENTION BECAUSE I HAD ON MY ACCOUNT ENOUGH MONEY,AFTER CLOSING I HAD A BALANCE OF MORE THAN 6K.
CAN SOMEBODY CLARIFY WHAT IT'S INCLUDED IN CLOSING AND DO I HAVE TO LEAVE THE HOUSE AFTER I MOVED.THANKS IN ADVANTAGE AND I'M WAITING FOR A PRONT RESPONSE.
harrasing letters and calls from this debt collect to collect a debt I dont owe
1 ) Discover Bank closed my checking account without any notice. 

Note, my above conversation with Discover Bank was before the final check was issued. 

These are absolutely unacceptable mistakes conducted by Discover Bank, which intentionally incurred returned check fees from my billers to me, totaling over {$100.00}. Before these checks were sent out, Discover Bank customer service representative even confirmed with me that no money or check would be sent out since my account had been closed. 

4 ) According to Discover Bank 's term and statement, my checking account had cashback rewards when it was closed. I do not have any proof showing Discover Bank paid me for that.
Since your website does not have a place to correct or add information, I submitted this form.
AWA is collecting a fraudulant debt. I disputed this with the credit bureaus and AWA responded leaving it on the file and sending me a copy of the " promissory note ''. The signature on the note is a clear forgery. I have attached a copy of this note along with a copy of my signature on a recent agreement. 

THIS IS FRAUD.



At this point in the process it is clear that Shellpoint Mortgage Services Loss Mitigation Department is engaged in a pattern and practice, which is certainly unsupportive. I have complied with all the requests from Shellpoint Mortgage Services, however, it appears the overriding goal of the Loss Mitigation Department is to force my loan into foreclosure and take my property from me. 
I have been making payments, but remain behind and I have difficulty maintaing the payments at this point and need assistance.
I am getting frustrated with the lack of updates and transparency within the short sale process.
I called to ask about the account that I saw in collections and informed the company that they had the wrong address. I never received the bill. I did n't know what it was. I asked to have a bill sent to me so I could review it. I was told that if I did n't pay immediately it would stay on my report no matter what. I ended up paying for it and I 'm not sure if it was my debt. They would n't give me the doctors name or anything. When I contacted the original creditor they did n't have my information. No social security numbers nothing. I 'm not sure who I gave my credit card information to.
I believe the debt is beyond the statue of limitations for collection and reporting to Credit Bueraus. 
My complaint is n't about phone calls, but I believe " communication tactics '' was the closest to my complaint. My main problem is with the Debt Collection Company, the lesser complaint is with the school. 








After the total lack of action and progress on our loan application I asked our file to be escalated to a supervisor to ensure that we closed timely. 



My belief is that NFCU never had any intention of closing our loan at our locked in rate. The unjustified delays and lack of communication are further evidence of the lack of effort expended by NFCU to honor their rate lock agreement. Further, the reason for denial is not a VA requirement, so conveniently, NFCU did not honor our loan approval based on their own arbitrary overlay. 

I asked for counteroffer options, such as proceeding with my husband on the loan without me, switching loan products, etc. and I was told " no, your loan is declined. '' It was made perfectly clear that NFCU has no intention of proceeding with this transaction regardless of our eligibility under the VA loan program. 

The lack of good faith and negligence exercised by NFCU in this matter has caused significant and irreparable harm to my family.

I have sent the following proofs of fraud on my account to TransUnion and they responded with ; that they will not block the subject submitted from my credit file. 

Compromising my account and taking actions as if they were me is a clear case of fraud, and according to the FCRA, fraud should not be reported. 


The cancellation letter and the amount to collect do not even match.






Thank you. I believed filing a CFPB complaint helped me with SLS and I 'm glad to have this recourse available. 

After checking my credit reports, they show that I opened an account with Synchrony Bank for a " PayPal '' credit card and that payments were missed and the account was closed by the creditor in 2014. I never opened this account and do not use PayPal. I have not had any resolve in figuring out how they obtained my information and who actually had the credit card.

I leased a vehicle from Toyota Financial and returned it. I went to great lengths there would be no surprise fees associated with the return of the vehicle. Today I was contacted by a collection agent attempting to collect on Toyota Financial 's behalf over a {$510.00} fee associated with the lease return. 

Toyota Financial has had my phone number and email address since the inception of the lease. They made no attempt to contact me about this fee via those mediums. They claim to have sent a letter to an address of a rental property I own but no renter has ever reported having received mail addressed to me. 

I told Toyota Financial if the fees are legitimate I have no problem paying them but would like them to remove the collection from my credit report since I made every reasonable effort to ensure there would be no such " hidden '' or " surprise fee ''. They insisted they could n't remove the collection from my record because they would n't be in compliance with the CFPB. 

My desired outcome is to have Toyota Financial remove the collection from my record. I 'm willing to pay the fees if they can provide me a statement indicating the legitimacy of the charges.
Since I can only demonstrate that {$15000.00} of interest and fees were assessed I am asking for that amount to be returned immediately. However, since BofA can not verify the debt in any fashion I would also ask that they return the entire {$45000.00} paid to them until such time as they can demonstrate exactly what is owed.
CapitalOne has repeatedly refused to allow my card from 2005 to remain open, its since gone inactive after I REPEATEDLY requested they send me my card. They asked for proof of address along with ID. I HAVE SENT IN ALL. THEY WILL NOT HELP AT ALL
pinnical credit service was removed from my report then they added it back
Please let me know what company this is. I have no idea what company this is.
The collection processes were abusive at all levels against all Fair Debt Collection Practices Act guidelines to remedy a debt. 
Toyota Financial Services does not allow a person to pay additional money towards the principal and applies the money to future payments. A representative stated that a person has to send a separate check to a different address to pay off the principal. This procedure is not mentioned in loan documents or the monthly statement. I find this business practice to be deceiving, unreasonable, and a disservice to the customer.
Trying to modify loan which they are refusing to help with
I wish to make a complaint against Santander Bank. 
I would also like for Equifax to send me my entire credit file as required of them upon request per Section 609 ( a ) ( 1 ) ( A ), so that I may have the verification sent in by these alleged creditors examined for signatory forgeries.

2. PHH has taken a flurry of actions ignoring the documents I have submitted so far. Specifically : a. Increased my need for Flood insurance unilaterallyb. Purchased additional insurance on my behalfc. Initiated an ESCROW account3. All the above without giving me due notice. All the while ignoring all my communications with them ( email, mail, customer service phone calls ).



I 'm being penalized on my credit by ALLY FINANCIALS NEGLAGENCE! Please help me get this resolved. I do n't have any documentation since they will not provide it to me but they have advised their notes are in their system for internal use and will still be there for others to pull up. 

My credit took a huge drop because of the delinquency being reported and I would like the delinquencies removed off ASAP. 

If you need any other information I am available to speakThis was no way in any shape or form our mistake.


Credit acceptance refuses to remove the inaccurate account from my credit that they are reporting. This account has been paid and resolved. The remarks reporting are erroneous and devastating to my credit worthiness.
Have tried to retrieve a final insurance inspection report from HSBC insurance area and they refuse to give me a copy or forward a copy to the insurer. To prove to the insurance company that the first claim was completed 100 % - I ca n't get the new claim processed. It seems like it relates to my property and I should have access to this document. Please help -
Ocwen Financial is in dishonor for not responding to qwr letters. they are sending us pre-foreclosure letters, they will be committing fraud upon the courts. 

I am seeking a Quiet Tittle Action. all foreclosure proceedings for lack of standing under numerous consumer violations
The credit report from Experian has information intermixed with someone else, including address, Social Security Number, financial records, etc. I sent a certified letter informing Experian about the errors. They received the letter, but gave no response or further contact from them. There has been no attempt to correct the problem. 
I have been in contact with the person that my records are mixed with and he has had no success in correcting the problems.




I 'm being penalized on my credit by ALLY FINANCIALS NEGLAGENCE! Please help me get this resolved. I do n't have any documentation since they will not provide it to me but they have advised their notes are in their system for internal use and will still be there for others to pull up. 

My credit took a huge drop because of the delinquency being reported and I would like the delinquencies removed off ASAP. 

If you need any other information I am available to speakThis was no way in any shape or form our mistake. 


I received many letters of collection in the mail from Midland Funding LLC / Midland Credit Management Inc . I sent them a letter requesting them to validate the debt. Their reply letter did not contain any evidence that I am legally obligated to pay them anything or that they have a legal right to collect under the FDCPA. I sent them another letter telling them to immediately remove the collection trade line from my credit reports since they did not provide evidence that they owe the debt. They sent another letter saying that they " reviewed '' their records and deny their records are innacurate.





My credit took a huge drop because of the delinquency being reported and I would like the delinquencies removed off ASAP. 

If you need any other information I am available to speakThis was no way in any shape or form our mistake. 


I have been battling with Bank of America/Credit Protection Plus for years and have had enough. I have been passed from person to person without any hint of a resolution and the ordeal has ruined my credit and been an incredible burden on me. 

While I was in college I racked up my credit card bill close to it 's upper limit of {$8000.00}. Not wanting to carry a balance or gain interest, I paid off the balance of my credit card ( all at once ) with the exception of the $ 1000+ I had been charged in Credit Protection Plus against my permission ( and had asked repeatedly to be removed from ). I tried, and tried and tried to get them to take these charges off, and get them to stop charging me for CPP - both before and after I paid off my card. Even after I paid off my card and talked to many people about my issue, they did not remove me from the CPP program and my bill crept back up as a result of recurring CPP charges and interest/late fees on the initial CPP charges I left open. I asked them to provide me proof that I enrolled in the program and they could not. I do n't remember enrolling in the program and they certainly did not remove me from the program despite many requests. Thier defense was that I was enrolled in the program for quite some time so I could n't just backtrack those charges. As a college student, it took me awhile to initially catch on to the fact that I was being charged for this service as I had never requested it to begin with. I should have been more aware and on top of it but I was a college student who racked up her bill to nearly {$8000.00} so I was n't going through my bill with a fine tooth comb. 

Frustrated from hours of unhelpful phone calls and unwilling to pay for something I did n't sign up for, I pushed it aside. Recently the other members of my family all received large refunds in the CPP class action lawsuit but I was not included in this suit because I refused to pay from the beginning. I did not realized how bad this actually affected me until I applied for a credit card and was rejected. I got a credit report and found that my account had been 'Key Delinquency ' for years because of this dispute. It ruined my credit and made it impossible for me to get a credit card, buy a car or a house. 

I wish this had n't snowballed into what it is now but I spent so much time dealing with so little impact that I essentially gave up on it. I have now read up on it, found this website, am aware of my rights and realize I do n't have to fight this alone with a large corporation. 

I want to these charges to be removed and my credit to be restored so that I can live my life.





My credit took a huge drop because of the delinquency being reported and I would like the delinquencies removed off ASAP. 

If you need any other information I am available to speakThis was no way in any shape or form our mistake. 


I had an account for an IRA with a company. The company said they showed no record. I lost probably eight thousand dollars plus interest.
A company pulled my Equifax credit report illegally. They worked with me and told me that the request has been sent to have the hard inquiry removed. It has been more than 30 days and has not been removed. Equifax thus far has refused to investigate any credit inquiries despite their legality and claims that no such removal request was sent from the company that pulled it.
A few days after I check my account, I was only credited for {$190.00}. 
My Social Security payments are being garnished. The amounts reported by the collection agencies are different than the amounts on the credit report.
Repeated robot calls for a different person of my last name only. They are using me for there fishing expedition.

Sincerely






Sincerely,
we were harrassed and good credit threatened for 6 days because a payment they electronically took out of my bank account, they applied to a wrong account ... ..nothing on my end ... .all the error on their end ... .and they harrassed us saying they were going to charge us a late fee and report us for late payment when all along they had already taken money out of my account electronically ... .the bank printed it out for me ... they harrassed and harrassed us it was very stressful getting this straightened out and it took alot of phone calls and then we still got robotic calls ... ..
I was sending the needed paper work that US bank ask me for and I did not know that I should have used a housing counselor because of the format needed to be use to have my housing documents legal done. 
I called Macy 's and asked them to send me a check for the credit balance. They refused to do so and told me that I can only use the credit to purchase additional goods at Macy 's. I do not need any additional purchases and do not feel that it is acceptable to refuse to send me a check for the balance. Why should I be forced to buy something at their store just to get my funds back. That is a ridiculous policy. They took the funds from me for a good purchased. I returned the good and they, in turn, should return my funds.
4. Ocwen employees refused to identify themselves with a business card for future follow-up during these meetings. 
Please see the attached letter describing my complaint


I refuse to pay any more money to them. 


I have been in contact with the other person through information on the credit report and he is also trying to correct the errors.
Please Help.
OCWEN Loaning Servicing bought my mortgage last year. They are force placing an additional flood insurance policy that costs {$2200.00}. I already have a flood policy through my HOA.






The representative explained that she does n't know anything about the law and that she can give me the address to the Legal Department. I asked to speak with a supervisor and the supervisor said all I could do is re-dispute the information. The information should have never been reinserted anyway. These has allowed the creditor to phish and look for information as if it actually belonged to me and just add it in a different manner to report it on my credit report. I want this collection removed from credit report. I have had this to several times concerning debts and information with Equifax. The information was deleted and I should 've received notice from Equifax concerning the reinsertion. In addition to complaining about the reinsertions I 'm not receiving results of completed investigations. The system says it has been mailed to me but no results have been mailed to me and the representative said they would be sent today.
My bank of america accounts were closed ( checking and savings ) forcibly and no reason has been specified. I even got a letter saying that any remaining balances would not be returned. I had balances of nearly {$740.00}. 
I tried to call the customer service again to find out if there was any other person whom I can talk to find out what happened to my accounts. They would only ask to keep calling the above number and there is nothing anyone else can do anything about my accounts/money in them. 
This is so frustrating and annoying. Such irresponsible and anti-customer behavior.
I dislike that they obviously have personal information about me, as they are contacting my family, and it frightens me that these people may be criminals and may have more sensitive information that I would not know about. Like I said, I screen the calls, and have a call blocker, but I would very much like to see something done about scam groups like this, if not for people like myself, then for others who are tricked by these people into giving them money.
As a result we needed to obtain resources elsewhere to purchase materials. This was necessary for us to continue to have our business and make an effort to make a living. Our business was severely crippled by their actions. 
2. Your loan does not have a negative escrow balance or any other outstanding delinquencies. 
3. You do not have a tax or insurance payment due in the next 45 days. 
4. You do not have a force placed insurance policy. 
5. Your loan has not been modified within the last 12 months to include escrow. 
They also said that additional exclusions may apply, but Ocwen only knows those exclusions. 

After meeting all these requirements, Ocwen told me I had to have a loan ratio of less than 75 % of my loan remaining to qualify for escrow payments on my own. In other words I still owe more than 90.52 % of the outstanding balance on my loan and I can not be allowed to pay my own escrow. 

Another problem I have is Ocwen adjusts my escrow upwards every year even though I have an escrow balance at the start of 2015 of over {$1000.00}. 

Apartment I lease was ended due to bed bugs
I want the creditor Bryant & Bryant to stop contacting me. They are threatening me on the phone and very rude.
The morgate company representative claimed their company could take over our taxes, and insurance payments, and we provide funds in escrow account. They never told us that once you do that you ca n't get out of payments to escrow in lew of payments for those things. They mis-representated themselves. I canceled their insurance and bought my own, they refuse to stop the escrow included in my monthly payments.
Thank you
I tried to open a bank account with Citibank. 
I asked them if I could fax my Passport they refused. They said it 's only Driver 's license they need.

Please have a representative of the CFPB contact me at the numbers listed below. 


Please find some way to convince the mortgage companies to be more reasonable in the info they ask for and to remove credit inquiries after 3 months of no loan follow-through. Thank you.
I included my driver 's license, my my ID card from work, and my voter registration card, which had my address. 
I received a letter response from Tran Union saying that it could not change my address at this time. 
The difference between the address that they had on file and my actual address is that Trans Union says I live at the same street number, city, state, and zip code, but they also add and apartment number/letter. I have lived in this house for over 20 years now, and it has never had an apartment number associated with it. I work for the U.S. Postal Service, and I have never had anything addressed to me except by TransUnion that includes an apartment number. 
I want TransUnion to correct my address, and acknowledge that the additional apartment number is wrong. I want to be able to order a report directly from them, instead of going through my monitoring service and paying to get copies of my credit report. The strange thing is that the monitoring service through my bank has my correct address, and they are able to get a report, but I can not get one on my own or through annualcreditreport.com. I just want it fixed so that I can.
I have received my payment history from Shellpoint, but there seems to be fees that were told to me verbally that do not appear to be in the payment history, or, I may be misunderstanding my printout. It was told to me that there was a " Third Party Recovery fee '' of {$250.00}. What was the fee for? 
Thank you kindly for attention to this matter.
Ive attempted to file an online dispute with Transunion several times, their site keeps showing a previous dispute which is already resolved/closed when I attempt a new one. It wo n't let me file an additional dispute about other items, account balances are incorrect. I pay a monthly membership for their site and should be able to file online disputes as part of paid membership
I never recieved a bill from this this collection agency or notice

I have used PayPal for years, with my charges being deducted from my bank account. I enjoy the convenience of PayPal while shopping online without having to enter my credit card number for each transaction. 
Earlier this year I began receiving emails saying I owe PayPay Credit money. I never knowingly applied for credit with PayPal. I called right away and settled the account, asked it to be closed, and also asked how I ended up with a credit line from them. They were unable to provide a good explanation on how the account was open. 
I have since received more emails saying I owe an additional balance. I assumed it was an error until I received a collection call today. The collectors were rude and demanding. It turns out that I did make purchases that I thought would be coming out of my bank account, as they had before, but instead ended up on a credit line that I had previously closed. I settled the amount of my original charges after finally getting the collector to waive late fees and finance charges. My biggest concern ( besides getting called at work on an account that should never have existed ) is that I still do not know how I ended up with a PayPal credit line, and that others may end up in the same situation. I am responsible enough with my debts to know what I owe and what I do n't. My fear is that others who are less diligent will have accounts open and accrue late charges and interest without ever meaning to. In my opinion PayPal credit was deceptive, if not fraudulent, in how I got a line of credit in the first place. Practices such as this should not be allowed. Now I ca n't use the convenience of PayPal for fear that the charges will again end up as a debt instead of coming out of my bank account.
This whole lending process has been the worst I have experienced. The communication has been worse than sub-par and the lenders knowledge about their own product appears to be extremely lacking. I have had several mortgages from online banks and felt that since a construction loan may be more involved and I may need more explanation I should go with an established bank who has brick and mortar business as well in the hopes they would be more professional and knowledgeable. Unfortunately I was proven wrong by their lack of communication and apathy towards making sure things were done correctly. 
My normal bill for the use of the " older phone '' was {$20.00} per month per phone. 
They would not take the phone back, but did deactivate it. 
Company called named Regency Capital corporation. 

I called the company back. The company said they were not a debt collector but they still said I could pay them in order to stop the thing from escalating. I never received anything before from this company stating I owed them money. 

I asked for them to send me something in the mail that stated what I owed and why. He kept asking me for an email, and did not want to send anything in the mail. I finally got him to take my address. at which point he said he would send me a letter. 

I then asked him for his address. He asked me what I needed it for. I told him it was to send a validation letter. He said they do n't give out there address over the phone and that it would be on whatever they mailed to me. I was persistent and kept asking for it. Eventually he almost whispered it to me over the phone. 

I couple of things to note. He said they were going to sue me if I did n't pay. I believe this is threatening legal action. which I do n't believe is legal. 

They never stated they were a debt collector, yet would still take my money if I had agreed. They are also threatening to come to my work, which I hope is not legal.
Actually NOT used obscene language but used pressure tactics, are unwilling to help/ resolve issue and also seemingly improper management of debts and PII - pers identity info ( SSN, addresses et c ). 
I think that is ABSOLUTE disaster. 
Actually NOT used obscene language but used pressure tactics, are unwilling to help/ resolve issue and also seemingly improper management of debts and PII - pers identity info ( SSN, addresses et c ). 
I think that is ABSOLUTE disaster. 




Supporting documents are attached. 

We, my family and I, are stressed out with this issue and we desperately need your help to resolve it as soon as possible as I will be deployed overseas soon. It is so frustrating that after months of paying off the mortgage, our house registration is still in limbo. 

Looking forward to hearing from you

First they refused to honor a {$2500.00} check payable to me as the owner of the law firm where I am directly listed on the account as the owner, opener, and as the account holder, thus severely screwing up my accounts and balances - they state they changed their policy a month ago but no written notification has been provided to their customers and no reasonable time was provided before this branch launched into such a disruptive and ridiculous policy. 


Please investigate and advise.
We had fire in the house and we were safe but we are in the process to get the house rebuilt with the insurance company 's fund. The insurance company had issued fund to the mortgage company which is BANK OF AMERICA. Now, Bank of America is delaying in releasing the fund to pay off contractors invoice. I want to seek help with CFPB. 
This is just to initiate the complaint and I can give more information later. 
Thank you.
I am trying to short sell my home. After losing my job and medical bills mounting up I did the responsible thing and put my house on the market. I have an offer submitted to the bank and they have since gone into my property and changed the locks. I do n't have access to adjust the heat or make sure there are no issues since my home is vacant awaiting sale. 


I am disputing this debt of {$460.00} because, it does not belong to me. This is a fraudulent account opened as a result of identity theft with out my knowledge.

I do have a hard copy of a bank statement that states the disputed amount but i do not have an electronic copy.

For purposes of closing my refinance transaction it may end up that I will be delayed or have to pay the taxes out of pocket to close the transaction. I have an interest rate lock that will soon expire, and it may end up that I am forced to pay the taxes twice to preserve the substantial value of the rate lock. 
I was surprised to learn this, but at the same time would expect that this is a practice that is engaged in on a wide scale by many servicers.


I believe that this an abusive tactic from Nationstar in violation The New Jersey Fair Debt Collection Act bill # S410 and the federal Fair Debt Collection Practices Act Pub L.95-109. 

I believe that this is an ongoing practice of this company and since they record all their phone calls they should be able to supply you with a transcript of these calls. 

This company should be investigated into their business practices and be made to be held accountable. 

I am in the process of contacting an attorney to initiate civil action against this company.
I have medicare so there is no reason an emergency visit to the doctor should be on my credit. Please help me take this off.

I 've already spoken to them once on my cell phone, now they are calling repeatedly on my work phone which is a privately owned business. If they keep calling, I will be fired! I 've told him not to call anymore!

Then they would call me every day afrerwords even though we had come to an agreement and we would have the same pressure conversations causing me emotional stress. If I did not answer my cell phone they would repeatedly call my job, EVEN AFTER I SPECIFICALLY TOLD THEM I HAD GOTTEN IN TROUBLE WITH THE HEAD OF SECURITY, and they would make the receptionist give me a hand written note. 

In addition to this, they repeatedly called my boss and left him messages regarding the debt and he spoke to me about it as they were bothering him at work as well. This caused a strain on my work environment and additional stress to me personally. 

They also called my mom repeatedly as well as my long-time friend regarding the debt. 

The interest rates they charge and the amounts they loan put you in a cycle where you are unable to pay them back, and they will not allow you to make reasonable payments. I am responsible for agreeing to the " quick money loan '', but was not prepared for the horrible experience that i was getting myself into. Check City, however, is perfectly aware what they do to people who are facing having their water shut or electricity shut off with a child in the house and not only do they prey upon them, they proceed to harass and belittle them and make sure your job, family, and friends are aware of your personal financial situation as well. 

I was contacted be the creditor and I am not the person on the loan, I was also contacted by several people stating that they had also been contacted. This was after I was told they was going to send someone to my place of employment and also to my daughters place of employment to serve papers and get me fired. I would answer the phone and try to talk to the person on the other end and get screamed at and told that they needed payment today or a tow truck would be showing up to collect property with the sheriff they call back to back to back and several times at night.


We feel our legal rights have continually been violated. We have been sent Loan Modification documents in the mail, and given instructions how to proceed with them. Then when we have filled out and faxed these loan documents as requested, and they are strangely not received. Then, while you are working with us to procure our modification, foreclosure action is being taken against us at the same time while in the middle of this loan modification process. This is highly unfair in reference to real estate law bill of rights. 
Please give us your consideration, and we look forward to hearing from you as soon as possible since this is now time sensitive. 
This company, whose name he said was Asset Recovery Solutions, was stating they planned to sue for a card I did n't have and using fear tactics that I know are illegal. The man on the phone refused to give me his name but he had a deep voice.
I submitted a short sale on my property a few months ago to my mortgage servicer Wells Fargo. Wells Fargo countered the offer 5 weeks ago, the buyers countered back. The offer is almost the appraised value, off by maybe {$2000.00}. Wells Fargo will not reply now to phone calls or emails. Its been nearly 4 weeks with no reply.

I requested debt validation per Texas Finance Code Section 392.202 which requires a debt collection agencyor credit bureau to provide the alleged debtor with specific information concerning their debt. 





To date, I still have no idea what this debt is, when it originated, nor who it is from.

It does not say who they are trying to reach, but every time we pick up, it is a machine that says the same thing or leaves the same message on our answering machine. It says who they are, that someone owes a debt and to call them back. Obviously I know I do not owe any debt, nor am I going to call them back. I searched the number and see it is a scam. My number is even on the Do not call list. We keep track of our credit reports and pay everything on time. 

We do not even have our house number listed on any of our loans or creditors, so that is even more amusing.



I am requesting and imploring for some type of assistance against this criminal activity.
After carefully entering my ( correct ) information, Experian 's phone system said they could not retrieve my data and I must submit my request in writing. There was no way to access an actual operator to provide them with the Reference Number ( which presumably should have made finding my report quite easy ). Instead, it simply repeated the mailing address and necessary supporting documents. When going through the experian.com/reportaccess site, I also received the same denial of accessing it through their online system, and was told to submit my request in writing to the same address. 

I will note that I have ALWAYS received this type of complication from Experian, also while trying to claim my free annual credit report as required by law. 

I assert that Experian purposely makes their " Free '' system hard to retrieve reports from, in an attempt to get people to purchase their reports instead. I have no doubt that if I signed up for their credit monitoring service for a hefty fee, they would somehow " magically '' locate my report. They are simply trying to leverage the laws in place for consumer protection to grow their business.
I have enlisted the assistance of a consumer credit repair company ( Cure My Score ) to send out letters disputing this on my behalf. When I received an unfavorable response from Experian, it was advised that I contact your agency as to correct this injustice. 
Caliber Home Loans is attempting to foreclose on my home without following the proper procedure. After the initial complaints to the CFPB I continued to demand a single point of contact ( of which they supposedly said I was enrolled in ) without ever being given any contact information for a single point of contact. Caliber has made it impossible to attempt to talk to anyone about any type of loan mitigation process such as a loan modification. Beyond this we have not received a proper 20 day notice to cure, or a notice to accelerate the loan. We have also not received any proper 21 day notice to foreclose. As such Caliber is now pursuing an illegal and fraudulent wrongful forclosure. 



He harasses my human resources department as well. I need these illegal calls to stop.
hello, i made a mistake. Instead asking money with paypal i sent it. 
He does n't want give money back.
Please let me know if there is anything you can do to help me. 




I was prompted to look at my credit report due to the fact that I was denied a credit card that I had recently applied for. This never happens as I have an excellent credit score. This is when I noticed that Capital One was reporting this card as delinquent. 

Capital One should never have authorized any transaction on an expired account/credit card. Not only did they allow the transaction to process, but it was done so fraudulently. As a result, they reported inaccurate information to the credit bureaus which has directly affected my ability to obtain credit. 

Capital One did not directly address the issue of why the transaction was allowed to occur, but they did state that they will send me out a fraud application to fill out and I will receive notice of their pending investigation. 

I believe that the fraud application is a moot issue due to the fact that the credit card transaction should not have been allowed to occur in the first place, however, I will fill it out and return it per their instructions. 

The credit card I was denied because of the derogatory remark from Capital One was having a promotion that if you signed up for the card, you would get {$100.00} credit on the issuer 's website. I am seeking {$100.00} in compensation.
Credit Center Inc has threatened me with legal action if a debt, that has been proven unverified by the bureaus, is not paid. It states I have 14 days to make payment or reach an agreement or the account will be forwarded to an attorney for legal action


This is no verification - which I am entitled to - that this is a valid debt.
Please audit this account at Capital One Bank so that my family can find peace of mind from all of this money thief. 
RE : Additional Fees in amount $ 250.00Time and time again I am continuously filing a complaint again BANK OF AMERICA HOME LOANS. 

I Have a mortgage with OCWEN Financial Corp and my property taxes is included in the payement. I also pay an extra {$20.00} per month to be safe. Every year I receive a bill that my escrow account for taxes is short and I have to send an additional {$270.00} ( more or less ) to make up the arrears. My mortgage payment also goes up despite have a fixed rate. How can that be. I have contacted them numerous times for the accounting and have gotten no help. Last year I misread the statement because the mortgage changes so much and paid my mortgage the normal amount and did n't catch that it had increased by {$200.00}. I paid on time and they cashed the check. OCWEN still reported me to the credit bureau 30 days late.
I ca n't understand how I was enrolled in auto bill pay for two years then suddenly need to re enroll without any notification. I have never had a late payment with them before and I feel it was sneaky on their part and wonder how many other customers went through what I went through. I am upset that this will show up on my credit report as a late payment as well as having to pay the {$35.00} late fee. 
I am receiving calls from Progressive Management Systems about an outstanding bill that my ex-husband owes for my son. I have asked the company to remove my name and telephone number, but they continue to call. 

I refuse to pay this bill because my child 's father is responsible for this bill.
I received a debt collection notice for a speeding camera ticket. I responded immediately and requesting the following : Prove that you are licensed to collect in the state of OhioProvide me with your license numbers and a Registered Agent 's name Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment ; Prove the Statute of Limitations has not expired on this account ; The response from the collection contained none of the requested information. The response stated that their investigation was complete and that I owe what they say I owe, along with a photo of my license plate.
Dear Sir or Madam, I have contacted this company Franklin Collection Services and ask this company to removed there negative report from my credit report however they stated that there was nothing they could do to help me. this is not a debt I own to this company.
I get numerous calls everyday from www.simmassociates.com. 
Over the last year and a half I have worked and negotiated all but a few of my credit cards. 
Those I have kept are in good standing. 
This company appears to have harrased many people and trying to collect on debts that have been paid or negotiated. 
They need to stop. they will not listen to anything the consumer says and are harassing on the phone.











I KNOW that they have to provide me with enough time to file my exemption in the case of a garnishment or account levy. They will claim it was a different account number, however, all amounts show the SAME account number. I feel I am being harassed nonstop by these people, after we have made an agreement. Please make them STOP!!!!! I am TRYING to get this debt cleared up, repeated attacks from them after we made an agreement are not helping!!!!! 

I am attaching documentation, however, I am not attaching every receipt, as you have all of that from my previous claim and I doubt that you want to read through it all again. I WILL provide it if necessary. I have provided the garnishment/levy notice, the date it was postmarked, the date the funds were levied from my PARENT 'S account and the original settlement letter. Please let me know if you need anything else. 

Thank you so much for your time!


I KNOW that they have to provide me with enough time to file my exemption in the case of a garnishment or account levy. They will claim it was a different account number, however, all amounts show the SAME account number. I feel I am being harassed nonstop by these people, after we have made an agreement. Please make them STOP!!!!! I am TRYING to get this debt cleared up, repeated attacks from them after we made an agreement are not helping!!!!! 

I am attaching documentation, however, I am not attaching every receipt, as you have all of that from my previous claim and I doubt that you want to read through it all again. I WILL provide it if necessary. I have provided the garnishment/levy notice, the date it was postmarked, the date the funds were levied from my PARENT 'S account and the original settlement letter. Please let me know if you need anything else. 

Thank you so much for your time!
I made contact with Quicken Loans regarding a potential mortgage ... ..they provide no way to unsubscribe from their email distribution list. Also, even when you are emphatic that you do not want any of their services, they will not stop calling you on the phone. 
I would never recommend this company to anyone, they are a nuisance.
I can not get my mortgage company to send me a bill. They are mailing it to the wrong address and told me I need to correct it. I never asked them to send it there so I do not understand why I ca n't get a bill mailed to the home on file ( the property address for the mortgage ). I am unable to pay my bill, so my credit is being affected.
I have been in contact with the Citibank to settle their Sears Master card, as they as they promised to take a small sum. But without giving me a chance, they have been addingbeen adding late fees, interest, etc., every month to furhter inflate the total balance. Their customer service does not help, nor theirsenior officials.

The HP Sears Agency is collecting money from us stating we owe {$1000.00}. The house was in a good condition when we left, but they stating there 's some repair that they did in the house and plus the shampoo and cleaning. We had a deposit for {$1200.00} in that house that they never return to us. 


I am writing to dispute this bill and we know they have intended to ruin our credit. I do n't know what steps I need to do in order to stop this collection.
I Canceled my Credit Card or Merchant Services company and then got hit by predatory fees. I called to cancel was given instructions on returning the Credit Card terminal which I followed & from that point forward they began pulling money from my account through ACH charges. I attempted to handle it through my bank but because it 's a business account, I would have to catch the charges within 24 hours. Prestige & First Data know what banks can and can not do so they are VERY sly in changing dates, numbers, and descriptions so my bank can not just deny future charges because they will change an amount, description, or date just enough that a database can not see it. 

The Merchant agreement was sold as a FREE service with only standard % per transaction fees, $ per swipe, and NO monthly fees or charges for equipment. 

This is predatory and malicious behavior when I did my due diligence to cancel & follow all protocols as stated on the phone during cancellation. I also have my current company that offered them reimbursement for an " CANCELLATION FEES '' but they claimed there were n't any. 

I am a sole proprietor and really need your help getting my money back and stopping this company from future business dealings with me or others who might fall for the same lies played on the sales calls. 

I went through a non-gov't loan modification with Wells Fargo in 2009 when I was laid off due to reduction in force. I ended up paying more and they took 2 years off the beginning mortgage and added 4 years to the back while increasing my interest rate. I do not recall anyone saying my interest rate would change. Also, they are reporting me to the credit bureaus as late payments although I have n't been late in over 3 years.
Original amount owed, including a complete payment history, starting with the original creditor. 
Finally, Documentation that indicates that I agreed to pay someone this sum of money. 
Copy of the contract that states I promise to pay this back from the original creditor. 
I have been with Seterus for several years, I guess they bought my loan from my previous servicer. In the last few months they have made accounting errors and they are unable to fix them. It gets worse with every call I make. My principle has actually gone up and they ca n't figure out why. Even though I make more than the monthly payment required every month. I make {$1000.00} payment every month, for the last 5 years it used to apply to the monthly payment due and the rest towards principal. Now they apply it towards future interest. After calling and asking them to apply it the old way they said no problem. But the problem has not been fixed. After the second call they actually did a reversal that added {$1400.00} to my principal. So let me get this straight : I make more than the monthly payments due and now my principal is going up. Is n't this basic math that you learn in elementary. 
It 's sad that we as the consumer have to waste our time and money trying to fix mistakes made by these financial institutions and in the end we almost always end up losing. I can already see the future : I will have lost {$1400.00} and the will add late payment fees to my account.

TransUnion provides an invalid address and zip code combination for receiving consumer disputes. Because the Postal Service will only deliver certified mail ( return receipt requested ) to an address and zip code combination recognized as valid in the USPS system, TransUnion 's failure to provide consumers with a proper address makes it impossible for consumers to obtain proof that they mailed dispute documentation to TransUnion. USPS refuses to deliver certified mail to the address TransUnion provides for consumer dispute documentation. 



I concluded that TransUnion was intentionally making it difficult for consumers to dispute items on their credit reports.

Further, I was informed that the company would not send correspondence regarding my account information with a firm NO. When I requested to know why the company could not send information in writing, I was given a nonsensical answer.
I disputed this charge with Bank of America by phone and mail. I received a response from Bank of America that stated this was not a 'duplicate transaction ' and therefore 'valid '. I never stated that this was a duplicate transaction rather I explained in writing and by phone that it was an unauthorized charge.They provided an invoice from the company which showed the unauthorized charge -- that invoice was created ( as stated on the invoice ) after the unauthorized charge.The relevant invoice is the one that I authorized prior to any charges which does not include a {$590.00} charge. 
I am writing to ask that the {$590.00} which was not authorized be credited back to me.



Overall, the bank did not tell me these checks were fraudulent so I transferred the money and now the banks are asking for {$3500.00} to pay back.
I was never notified that there was a sale date, Nationstar said it was my responsibility to continue to call in, and if I would have I would have been notified of the sale date. This company should not be allowed to do business. I am now down to a matter of hours before I lose my property and there is absolutely nothing the bank will do!! DEVASTATED!!


I recently adjusted my homeowners and flood insurance coverages as the home that was previously my residence is now a rental. In both instances ( homeowner and flood ) the coverage is more than sufficient to pay off the lender. I received a letter from my lender ( Wells Fargo ) stating that I have 45 days to increase my flood coverage to replacement value of the property ( roughly double the amount of the outstanding balance on the loan. 
They state that this is their policy, and while I can not locate my original loan documents, Wells Fargo purchased this loan and I do not remember that requirement of replacement value in the loan documents that I signed.

The Barclay card offered 0 % interest for 14 months and I decided on it. 
I was approved for a {$2000.00} credit limit and was told I would receive anemail with the terms. I never received that email. 
My first billing statement showed no interest being charged, as expected. 
However, my second billing statement showed interest of {$25.00}. 
The third billing statement showed interest of {$3200.00}. 
The fourth billing statement has interest of {$34.00}, even though thebalance was less than last month. 
This was definitely a " bait and switch '' offer. I usually print out the termsof any offer or purchase I make online, but was n't given that opportunityby Barclay and was told I would receive an email from them, which I did. 
However, they did nothing except tell me I was " approved ''. I received noterms either by email nor by regular mail. 
Green Tree Servicing has force-placed insurance after receiving proof of insurance from both the insurance agent and borrower. Multiple calls, faxes and emails have not resolved this issue and they continue to charge their own insurance premium. Multiple voice mails for supervisors have not been returned.
I just check my credit report and it was said to have a home loan, i have never receieved a loan in my life.
So there is no way these accounts are mine. 
I also contacted the collection company and they were not be able to locate my files. And they said they do not have my social security number on file. Only someone with same name, same date of birth. 
I also filed a dispute with Equifax. But after the investigation ( they took about 5 days to investigate ), they claimed that these accounts belongs to me. 
hope to hear back soon
unable to pay my loan to One Main Financial, ive told them verbally to do not call me and sent them certified letter stating that also, they continue to keep calling my work and im at risk of loosing my job,

They need to stop calling me repeatedly about a utility bill that was supposed to be under medical certificate.

Sincerely, Damsel In Distress
Equifax is reporting a state tax lien that the state of louisiana says does not belong to me and the state has repeatedly asked equifax to remove as i have been a victim of identity theft, this has been going back and forth since 2009 and the state of louisiana told me to contact the consumer protection agency to have them remove it because all attempts by myself and the state of la has failed please help i am exhausted and it causing me a great hardship and high stress levels to be dealing with this so long

Thank you, Struggling College Graduate
Enterprise Recovery System continues to contact my employer even after I had sent a letter indicating not to do so. They continue to harass my employer.
At this point I am truly embarrassed to be a member of Wells Fargo and I am disgusted that I am being treated this way. If I ran a business like this


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I dispute the PNC Mortgage entry on my credit report of a debt for {$130000.00}. 
Due to the economic downturn of the housing bubble, I lost my job, unable to find work due to the economic collapse. Therefore, my wife was working and we tried desperately to re-modify my loan with Flagstar Bank. Flagstar Bank refused to re-modify my loan, resulting in my foreclosure. I also hired a real estate consultant to help me try to shortsale and fax the documents to Flagstar Bank, but nothing was ever done by Flagstar Bank. I feel as though I am a victim, that the house was sold from under me and my family.



Based on these facts I assert that my current value is {$230000.00}, as opposed to the {$190000.00} that was calculated by Nationstar. 

He has called my parents and scared them, and threatened many times that there was a lawsuit, though i have never seen any papers for any lawsuit. He has repeatedly called my place of business, and my cell phone, when he does not have permission to do that.. I told him years ago to stop harassing me and he responded in a hostile manner. 

This is a false claim because if there really were some sort of lawsuit I would have been served papers. 

He keeps leaving cryptic messages, including to my parents, indicating I was in some type of danger. It scared them a lot and they called me thinking I was in the hospital or something. He stopped for a while, then started up recently, again insinuating that there was some sort of court case. 

Since I have actually dealt with other debt collection companies that are reputable, I know that he is phony.
I am currently looking into different banks that could help me by consolidating my private student loans, but my credit is horrible. I need help!, because I am willing to pay just not at a high monthly price.



I am a house cleaner with limited income and is seeking a loan modification that will reflect my financials. TWO YEARS IS JUST TOO LONG TO WAIT! 
I was contacted by Douglas, Knight & Associates, Inc. about some money that I need to pay or set up a payment plan and if I do n't my TN driving license will be took from me. So I called but the lady who called me was busy when I returned the call back. No one returned my call so I called back the following morning. And i talked to the lady and told her I could set up a 10 $ payment plan and she told me it was n't enough. She got unprofessional and hung up the phone, so I called back to talk to the supervisor and Mrs.Lesey, the supervisor, also had an unprofessional attitude and continues to tell me that was not enough and what I need to pay. I proceeded to tell them that I 'm unemployed and on gov assistance and that was all i could afford that moment.
Thanks.

They have also sent me letters in the mail stating the same false information regarding a current balance on my name and attempting to settle that balance with me for a less amount of money that what they 're saying I allegedly owe.

They have also sent me letters in the mail stating the same false information regarding a current balance on my name and attempting to settle that balance with me for a less amount of money that what they 're saying I allegedly owe.


I feel like I have been victimized by SPS and a very broken loan modification process that was put in place to help people in hardship keep their family homes. What I have come to realize is that the program and servicers help very few people.
I am writing to report problems with the customer service provided by Equifax, which interfere with access to credit records. 



I had tried to secure a mortgage loan from southern Fidelity Mortgage. I found a house that I liked and we proceeded with the loan approval process. I told them that my credit was n't very good and I told them I had collections. She told me they would either just deny the loan or ask me to pay the collections. Well later they told me the loan was approved but that I needed to pay off the collections. Well I told her I would have a tough time raising the down payment money and closing cost if they needed that paid off. Well they told me that if I backed out now I would lose my earnest money because the loan was approved. Not the original loan but the one they came up with all these conditions.
Bank of America abruptly and without warning closed my credit card account after 16 years. I called to find out why and was told they reviewed my credit report and decided to close the account. My account was and is in good standing with timely monthly payments. 16 years of an account in good standing. How can BOA close it abruptly without any cause?
When this happened I had medcaid, but the hospital billed me instead of the state..




I proceeded and paid the lawyers ( Under duress due to the continued threats ) the amount in full.
Long story short, HSBC USA never received anything, and without any prior warning, I discovered yesterday that they have cancelled my accounts with them, and have advised that a check will be mailed to me in 7-10 working days. I have now opened another account with another provider, but until I receive, and cash the check from HSBC ( approximately {$22000.00} ), I have no means of adding funds to my new account. 
This has left me without any means of getting and cash, and without a local credit card. Furthermore, I have a number of direct debits set up, which will no longer be honored. It is likely my credit rating may be negatively impacted if or when a direct debit request is declined by HSBC USA. 
I am extremely unhappy I was not contacted to be told there was information missing, or given a chance to rectify the problem now I am here in the USA. 




Ocwen immediately sent a statement labeling it as informational only since I was under bankruptcy protection. Nevermind the fact that my BK had long since been discharged and even fallen off of the credit reports. I called repeatedly asking them to remove the language and to just send my statements as normal. They refused. And I have had issue after issue with them. But now they 're trying to sell my house and if they had had their way I would n't even have known about it. 




What can be done to compel Ocwen to at least restart it and notify me properly? With {$5000.00} to hire a private attorney I can file an injunction claiming improper service and hope for the best regarding attorney 's fees. Precious few homeowners facing foreclosure have the cash required to litigate Ocwen into doing what they willfully are refusing to do and are refusing to do because they know they people they 're doing it to do n't have the resources to make them. So what if, on occasion, they have to fork over $ 5K in attorney 's fees. It 's a lot cheaper than giving individuals the opportunities the law affords them, to apply for HAMP, to consider how to cure the default, or even conduct an orderly sale of their home. 

I OPENED A ACCOUNT AND THEY PUT A HOLD ON ALL MY MONEY AND REFUSE TO GIVE ME ANY IMFORMATION OR CLOSE MY ACCOUNT
I opened a account with Union bank and they put a hold on all my funds and refuse to release them or give me any information on whats going on
I have been mislead the entire time and forced to disclose my personal information in an effort to recover money that Citibank nor this company is entitled to as the debt has been charged off and cancelled by the discharged bankruptcy.
I had medicaid during this time, but the company billed me instead of my insurance..
I am currently making payments bi-weekly for medica debt. This company continues to call me several times a day. This is harassment and it will not be tolerated.
I wrote them a letter. An never heard back. 
I must have gotten a call every Sunday for the last four months. 
I am now sending them a demand letter. ( copy attached ) A demand letter needs an address but my SState says I can give to a teller? What! 
Also, Citi should make the address for registered agent clearly available. If they do n't want to talk to you. You should at least have the right to serve them. Citibank na ( South Dakota ) The branch of Citi that manages credit cards. Do they have a registered agent? 

I want Citi to clean up my relation with Home DepotI want Citi to clean up the all late fees on Citi Card and Home DepotI want to compensation for my credit being damaged, calls which were so misinformed they talked about my old bank'I wanted to compensation for negligence and advertence of the issue so late charges would mount. 
Customer service having conflicting or no data about current information. 
Customer service armed with only half truths causing conflict. 
Citi to pay a fine.
I have since then retained an attorney and have to forced to rent a car and incur expenses and stress that I should n't have to otherwise deal with. 
Attached are copies of my documents. I beg that my car be returned to me and that I receive reasonable compensation.
I have yet to receive the refund..I am helpless in this situation and have no idea when I will be getting my refund ... I have been ripped off by Hyndai Finance and do n't know how to solve the problem other than filing a law suit against them, which I believe I will do if I get no satisfaction this week. 
I would appreciate any help you can give me in resolving this situation..
Ocwen Loan Servicing : pass company name 's Option one, Homeward Residential, American Home Mortgage Servicing , Inc. ( AHMSI ). They stopped taking the mortgage payments because they forced placed insurance and I never had a previous laps in insurance I just changed companies. 
After they realized this, they dismissed the foreclosure and continued to not take any payments for over one year. They never had the correct Social Security number so I could not talk with any one. 
- employment history : none of the employment history is mine- items went into collections : not mine- credit card : not all of the credit card history is mineI phoned and disputed with Transunion and did not receive any confirmation. Here are the few things I want : - correct my credit report and credit score. I was denied credit because of this mix-up. 
- explain how the mix-up happened- take actions as a company to improve processes so no one else need to go through this again and we consumers can trust that credit information is protected.
I can not send them a request for more information or a complaint via their website because they 've never given me an account number. I do n't want to call them because I now know they will not notify me of my rights and they will try to trick me into saying things that I do n't have to tell them or will make me look bad.
She might have credit issues not listed on my report that we would like to beaware of. 
Information withheld from me. Unauthorized access to my account. They wo n't tell me who and why it was done. My account I need to know
incorrect information submitted on my personal credit report, supplied proof to credit bureau experian who continues to refuse to update or delete the incorrect information.
I want this embarrasing incident to be put behind us and I want justice for my brother and I. I also want my money to be returned to me by Western Union as soon as possible. 
Thank you for taking the time to read this complaint. 



2 ) Reward points from this account are, effectively, cash equivalents in that they can be used to offset travel purchases -- airline tickets, hotel expenses, rental cars, for example. 

From the beginning of the initial overdraft, TD Bank has charged me {$260.00} in overdraft charges. I am now receiving letters threatening a collection action if I do n't pay the negative balance of - {$360.00}. I have had this type of problem before with TD Bank and it was resolved in my favor. I have not been a customer of TD Bank for a few years and recently went back because my pay check is drawn on that bank and I was being charged {$7.00} every time I wanted to cash my check.



There are things on my credit that should not be on there. I had my wallet stolen and my information was all in there and now i have things that are under my name that was in my wallet that needs to be disputed with the creditors and taken care of immediately because of it damaging my credit.
I have since learned that shady businesses, such as no-contract gyms, PREFER or REQUIRE payment via checking account EFTs since they KNOW the banks wo n't verify authorization, probably because the EFT Act holds them blameless for EFT fraud. Although I realize the originator of the forged EFT authorization is responsible for this financial crime, it would not be possible without the blind eyes the financial institutions employ during these transactions. Shady businesses prefer ACH EFTs on checking accounts rather than credit card transactions because they know it 's very difficult for consumers to get the banks to restore funds transferred without proper authorization. There needs to be some changes to the EFT Act to levy penalties on banks that transfer money out of accounts without proper authorization, instead of only requiring the account/routing information of a viable account, and worrying about authorization after the fact, or when they get caught.
I immediately contacted Direct Express to no avail. I was told it was being researched and that the card was not FDIC covered ( which is untrue ). I was told they did not have to follow FDIC rules, nor did they have to respond in any certain time frame or replace my money to my card. 
This situation has been going on over 30 days now, with still no resolution. I have called multiple times a week since this incident happened, with no resolution in sight. 
I have called the FDIC and have filed a complaint. 

Note : My docs are to large to upload to this complaint.
To date, this payment has yet to be posted to my Credit Card account as a payment, and I can not receive any assistance from your overseas Customer Service agents. 
They tell me this the payment was completed, and paid out, but can not prove such with a date stamp, copy of a check or signature of who signed and where they cashed the check. 
Your service is the utmost inaccurate and dubious thing I have ever come across. 
I would like to know where my money is and why it has not been posted to my CreditCard account. 

I am very angrily awaiting a response from your disputes team and hopefully from American Express Corporate.
Experian was able to pin point which account was linked to what name variation and address and so was Transunion making it easy to identify Identity theft on my report. 
In summary : First : Equifax was unwilling to help me identify which company reported the inaccuracy. Had Equifax provided me with this information, I would be able to contact the original creditor and have them correct the information. 
Second : Creditors I want to view my credit report can not do so because of inconsistencies in my report vs what I submit on an application.
Hopefully the government can look into this incident to keep it from happening to other consumers.


Also as of today your Agency are unable to provide the proper documentation as requested in the following Declaration. 


I have researched the company online, and there are numerous complaints regarding their questionable practices. 



Call came from Alliance One. 


When I called back, call routed to voicemail.
I received a very garbled voice message from very noisy location. I called the number back from a different phone and they knew immediately what my first and last name were. 



When I called back, the " supervisor '' picked up. He gave me the same runaround. They will not discuss anything unless I divulge personal information. 

I told the supervisor this is a case of fraud ( taking a wild guess : because I have a long history of trying to resolve a fraudulent debt, and new collection agencies keep calling well past the statue of limitations on unsecured debt ). I asked to speak to his fraud department. The supervisor stated they do not have a fraud department, nor do they process claims of fraud. 

At this point I decided to deal with this " company '' as an illegitimate operation.
My file contains inaccurate information.
prepaid rebate card expired and Citi refuses to reissue card for the balance of the money on the card.
I never heard of this physician nor had I ever received a bill. 

I sent in a signed affidavit from a process server and sent it in and nothing has been done and my credit score is bad now.
I keep getting calls from debt company 's even after I change my phone number they get it and call me

How can I be charged a late fee for a mistake that I did n't make? I understand that this is all done electronically now but, is there not someone at the credit card company whose job it is to enter this information? Accounts receivable, maybe? 

I took out a loan through Duvera Financial to finance a gas scooter so that I could get back and forth from work. After having to contact the CFPB over Duvera changing my interest rate and payment amounts agreed on, their were no issues. 




Unauthorized inquiry needs to be removed.
My family received a call from someone for me call them or legal action would be taken. I called back and spoke to a rep who did provide details of a payday loan that was closed in 2006. I stated I wanted a written notice of the debt and collection. He said I could only have one emailed or faxed to me. I asked to speak to his manager and he refused. I asked to have my family 's contact information taken off record and he refused. I did request my full credit report from all three reports and none of them have this debt as open or in collections. This debt was reported paid. This company is frauduelently contacting me for payment on a debt which is no longer owed. They have threatened legal action against me and used harrassment tactics.

After seeing this default status, I made sure to check my bank account statement to verify that my final payment went through ; the charges were listed correctly on my bank statement. 



I have n't been charged any excess monies, but my concern is that had I not known or not received a phone call, my credit would tank. I hate that I had to take this loan out in the first place, and can now feel for victims of these cash advance loans. They 're flooded with sketchy activity and high interest rates to dig their clients into a financial hole.
My complaint is this, in the email that comes each month is a link to a statement but in the body of the email is the amount. So I do n't have the need to look at the statement - I just go in and pay the amount. However, what I did n't know was this company does n't want you to remember when your promotional period is up. This is how they make their money. So, when my promotional period was up, I figured this would be communicated either in the email that I was sent each month or in the new payment amount. Wrong! They do neither. They say nothing about your promotional period expiring and they do not adjust your payment to pay the balance off. 
For the past year I have been trying to negotiate an affordable student loan payment on my private loans. However, ACS refuses to work with me and my payment amount keeps rising. My only option was to consolidate my federal loans to get more deferment since I could not afford to pay both private and federal loans at the same time ( {$900.00} and $ 600/month ). As a result I ca n't participate in IBR for my federal loan. My firm just did a massive layoff and now my only income is unemployment. ACS will only grant one month of forbearance and will not lower my $ 900 monthly payment. 
I do not want to default, but ca n't afford the montly payment. Many of the jobs that I am applying to require good credit so I may not be able to find employment once my loans go into default status.
I was advised by my loan servicing company, Ocwen, that my homeowner 's insurance had expired. This is inaccurate, and they decided to " sign me up '' for their in-house insurance. They have now added an additional $ 120 monthly fee to my mortgage. I have tried to call, fax, email them several times. I have been unable to reach them to clear up this issue.
Ocwen continues to deny our application for modification due to " Investor and Loan owner do not authorize modifications ''. No further detail as to why the investor and loan owner will not allow modifications.




As we have a complete and correct offer in hand, the 15 day requirement was never communicated to us and the notice of the sale was received less than 15 days before the auction date, I respectfully request that SunTrust agree to review our offer package.
I would like to pay Elan Credit Card the balance without any interest or fees that I did n't agree. 
I try to communicate with them but they have no email and they never reply to my letters that I send to the address that they have on their website. 
Every time I call the associate has to redirect me to an supervisor and the supervisor never answer the phone. 

Technical Support For questions about your internet browser configuration or technical support for the Online Account Access website. 


After the loan got transferred to Nationstar things had started to improve financially for us. We engaged Nationstar and were told to complete the financial package and fax the documents in for review. As explained above, we complied with their requests but on multiple occasions documents were lost or apparently never received. This excuse continued even AFTER we mailed things in with signature confirmation, so it all sounded a bit shady. 

First, I am having a temporary financial setback and I have tried to work with Discover Cards to mitigate the situation but it only seems to be getting worse. No matter what you say to them, they ignore you and try to set up a payment. As many times as I say, I ca n't commit to a pre-arranged payment, they do not listen and repeat the same question of setting up a payment. These people must be on some type of commission because they are relentless and they do not listen or respect the consumer. I do not like to make arrangements that I am not sure that I can fulfill. I feel pressure and I am usually depressed when I get off the phone with them after phone calls that have lasted over an hour. 
Second, they are leaving messages on my answering machine say there is some type of savings opportunity I should be aware of. Everybody within earshot knows that it is a call that I am behind in my bill and that is something that I do not want to share with the rest of the world. 
I understand that I agreed to pay my MEFA loan of {$3000.00}. As I have been paying on this debt for two years at least, I should have paid {$2400.00} by now. I would like to have a written statement telling me if there are added costs that disallow me from having this debt paid in full in the next six months. Thank you for your help with this matter.

This time around I am writing you in the hope of some justice.
Capio Partners have reported a {$760.00} debt on my credit report. 

I am disputing this debt of {$760.00}, because it has never belonged to me ever! 

Capio Partners have been uncooperative in resolving this debt which has never belonged to me. 

This debt of {$760.00} is not mine and I demand a copy of my signature of the hospital admissions paperwork. 

My personal information was used with out my permission and with out my knowledge.
Today I received an email from Capital One inviting me to do a balance transfer, that appears to be in violation of the Credit Reform Law. 
A section of the email stated : '' If you pay your balance in full each month, you do not pay interest on your purchases. Please note, after you accept this offer, you will begin paying interest on all new purchases, even if you pay your purchase balance in full each month. To avoid paying interest on new purchases, you must pay your total balance in full ( including balances from this offer ) by the due date each month. ". 

This appears to be in violation of the law that states that payments shall be applied to highest interest debt first.



HESAA, after repeated and courteous requests from me, refuses to offer ANY repayment cooperation. From IBR, deferment, reducing interest rates, NOTHING. 


I am writing to put CFPB on notice that NJ HESAA is a predatory lender and should be treated as such. Thank you for reading and for your time.

I do not understand how checks can be processed on a closed account. Furthermore, an immediate contact should have been made when my account was forced open, and a valid phone number was on file at the branch. In addition, when asked for proof of payoff, a " print screen '' was given to me, instead of a account activity statement showing a zero balance. This print screen, which could have been accessed at anyone having access to the printer, displayed my birthdate, age, account number, debit card number, and full social security number. This information should have been masked ( SS # and account # - PII ). 

Equifax has an incorrect derogatory mark on my record relating to a judgement against my father who has the same name as me. I contacted Equifax and they refused to remove it from my credit report and it is negatively impacting my credit score. I contacted the court that issued the judgement and there is nothing they can do.

Desired : - no credit score monopoly- absolutely NO credit score differences between credit scores information disclosed to and paid for by consumers, and credit scores disclosed to lenders.

I am a victim of identity theft and I received and alert that a new unknownaccount appeared on my credit. I called Equifax and was told that I could not launch a dispute over the phone and was advised to fax my information over againalong with the police report that is already on file and include the newaccount. To date, both Equifax has not removed the account!!!! 
Bank increased my interest rate far beyond my ability to pay despite a spotless credit history. Though I do not know the legal definitions of USURY and I must assume that the bank is operating within the confines of the law, the spirit of the law has been clearly broken since the practice is purely predatory and without provocation.
1 ) Subsequent to the loss of my debit business card which of course was timely reported to my bank under regulations E, I have not as to date received immediate returns of my funds as requested under banking regulations. 
2 ) There have been numerous UNAUTHORIZED CHARGES which were not made and unauthorized by me and or my business entity.



My impression of the Equifax Online Dispute system is that it is functioning as Equifax wants it to : It limits the number of disputes that can be submitted online and discourages alternative methods of submission with vague instructions for faxing personally identifying information to an anonymous number. 

Furthermore, when I click the link on the dispute submission page for the FCRA, I get an " Untrusted Connection '' message, which further discourages people from learning about their rights as consumers under the FCRA. 

I have seen numerous reports of the same problem with Equifax online by other consumers. Please add my name to the long list of people who have voiced their frustration with Equifax, about this issue and many others.
I do not owe any debt. My credit is clean. I do not wish to be contacted by this number.
Fraudulent charges on account are refusing to be acknowledged and reversed
This is an new issueThe bank opened up an account with funds obtained from a previous account. The Bank was mailing statements until recently. The address listed below was used to mail statements without my consent. 

The bank has a policy to stop mailing statements this way when fraud occurs they are not responsible.
I 'm in a 30 year fixed rate loan with Nationstar mortgage. For the last few years the payments have been relatively similar. Suddenly my statement indicates that my monthly payment will be going up by almost {$400.00} per month. I called them to see if I could get some explanation and was told that my escrow was short due to an increase in my property taxes or insurance. I asked them to tell me what had gone up and was told I would be transferred to the escrow department. I waited on hold for 45 minutes to an hour and just got the same recorded message over and over ; " they are experiencing a high volume of calls at this time, please continue to hold ''. I believe I was deliberately blown off so that I would hang up in frustration as it appears there are many people who have had a similar experience with Nationstar. I just want to talk to somebody in the escrow department to find out the reason for the sudden increase in my monthly payment, and to talk about other options for my home owners insurance ( if it turns out that this is the reason, as I suspect it is ), but I do not feel that they are being honest with me. I find it ironic that while I was on " hold " with the escrow department and never able to talk to anyone, Nationstar was still able to leave an automated message on my cell phone to let me know that they " urgently need to talk to me about my account ''. I would really appreciate any help I can get to deal with these clowns.


I learned from a recent credit report that AFNI is showing as a collection account and is trying to collect a debt in the amount of {$150.00}. This is the first time I have heard of this company or this debt. I was never sent a notice of right to dispute nor have I been contacted by mail or telephone regarding this alleged debt.

Despite my repeated attempts to dispute the claim and assert that I am not the debtor, VKI has continued to contact me by calling the main reception line at my workplace and by sending " orders of withholding from earning '' statements to my work address. These notices include the full name, address, social security number, and total amount currently due of the debtor they are seeking to collect from. 

My mortgage got sold to Greentree. About 18 months ago I had a loan modification ( even tho I was not late ). They presented an amount of payment ( {$540.00} ). I pay $ 827 monthly ( proven by my bank statements ). They 've since sent monthly statements with varying amounts due. When asked why these amounts are different than the signed modification, I get no answer. Now they are saying I 'm late and have started forreclosure proceedings. I 've proven to credit bureaus and to Greentree my payments but they do not care. I see lots of civil suits and complaints on this company. I 've had nothing but nightmares with them. They also refused my personal insurance when I recently changed insurance companies, until they finally accepted the insurance, but not without trying to tack on their exorbitant rates.

Another debt collector service called me in 2013 to negotiate payment for a bill. 

This particular company kept silent about the fact that I still owed for two years and then sent me a bill after I changed my address. I called them and said I have insurance and I have sent my details. 

They responded that my insurance can not cover my bill because two years have elapsed. I replied that if I send my insurance details in answer to a bill and a creditor does not respond, I will assume that the bill has been settled by insurance. 

The collection agency has to response to the question- Why wait you wait two years to send a demand letter for a debt or send a follow up that you did not receive my response to your demand letteror send follow up letters continually demanding my debt to youror send a letter or phone call stating that you received my insurance details and my insurance does not cover the debt for the service offered. 

This mortgage was aggressively marketed to us by Washington Mutual Bank in 2007. Over the past several years I have discussed this matter with them and many individuals, inside the former Washington Mutual and, now Chase, Bank 's. I have spent many many hours learning about the situation. I have had many real-estate and legal processionals look at the situation as well. 




I want their office to take a hard look at the servicing history of my loan and the possible retention options so I can get back on track with my mortgage. Is n't that what they are obligated to do after taking my tax dollars to bail their business out? I 'm not asking for a handout, just a fair and reasonable solution that allows me to keep my home. 

M & T Bank has turned my life upside down with their deceptive, unethical, and probably illegal activities. I am very kind, but also tough and resourceful. I am left with no choice but to engage elected officials and regulatory agencies to help me against this lender. I would have preferred to deal with them directly, but they have proven that their organization just another greedy company interested in profits without care for the well-being of their clients. I would appreciate any assistance in resolving this matter.
My son has had theft of ID/stolen identity with this bank accounts/Debit Card at Wells Fargo. We believe my son is a victim of organized, sophisticated, organized network of criminals who are responsible for stealing money from his bank account using duplicate or cloned Debit cards with my sons # to make transactions. It is believe that the criminals conducted these charges at locations where individuals could assist them with their theft. 


Paid in an Full Amount.
Equifax is continuing to report inaccurate information on an account that I disputed with them. I have continuously ask for proof of their findings to validate why this is still on my report and they have fail to provide it. I have contacted the collection agency to ask why are they continuing to try and collect after being to told to cease and deceit prior to the being report to the bureau and was told the credit bureau are reporting without their consent. I have request to prove your accuracy are remove it at once and nothing has been done. I hope reporting them to CFPB will help
I made a dispute with a particular account on my Experian credit report. The creditor investigated the dispute and it was resolved. I no longer dispute the remark. However, after the investigation, the creditor added a remark " Account disputed by consumer ''. I asked Experian to remove this as I released the dispute, and no longer disputed anything. They refused to remove it and advised that they have to get the creditor 's approval before removing it. The creditor says it can only be removed by the credit bureaus. This has been detrimental to my home loan application.




I was stunned that this could happen to anyone, let alone a minor. I am still waiting to here from M and T Bank on this matter. 
I appreciate any help or guidance you can give Thank You,


Please help me if you can! 
Filed for a remodification with Bank of America, was approved with no principal balance or interest rate reduction. Was told because I have an FHA loan I was not eligible. 




b ) 3-5 business days ''. Each time I called, I was told it would be 3-5 business days, after 5 days I called and was again told " 3-5 business days ''. At this point in time I discovered that Sallie Mae staff had not even reviewed my file ; after review more information was needed causing an additional 3-5 day delay. 


2. In a decision letter, the reason cited was " non payment of student loans, serious delinquencies of 30 days ''. After a careful review of my credit history, this is nowhere to be found. My student loans are paid in full each month, except when in deferment - which should not be held against me. I am curious who 's information this was and why it was affecting my loan decision. 



I am unclear about what type of training Sallie Mae employees go through, however, they all have access to social security numbers and other personally identifiable information ( PII ). Due to the lack of competence overall I have seen, I am unconvinced that my information and that of my co-signers is safe. 

At the very least, Sallie Mae owes it to its consumers to ensure person information is secure, the loan process is transparent, and that each loan applicant is receiving accurate information about deadlines, decisions, and opening hours. 

Chase had made no attempt to modify my loan. Was even laughed at ( yes-in person at the bank! ) when I asked to have my loan modified. Since, I have had increased fees and even accusations of fraud with demand for replacement and service fees. A second attempt was made last year - they refused. I did NOT pick the mortgage company-the loan was sold back in 2010.
Basically I started an account with bank of America because I really love what there bank has to offer. A week or so later they close my account and tell me to come and pick up my money at a location and still to this day will not give me a reason why or will not allow me to have an account with them

We are unable to attach documents because we do n't have email capabilities with this computer.
I find it hard to believe that an FDIC Bank like CHASE Bank will not take US Currency, yes good ole cash from people depositing into one of there account holders account. I was told I had to have an account at Chase Bank to deposit cash into someone else account at Chase Bank. ie, my Landlords rent payment. How is it possible that a Financial institution does not accept CASH. As well they have a {$6.00} check cashing fee, and do not have any of these policies posted in the lobby so after waiting in line you are turned away. THIS IS ABSURD.

After this they sold loan to Green tree. Green tree began to state i was behind on the morgage every date they provided i gave them proof of payment. With this they still sent me letters that i am going into forclosure. Recently they sent me a modification for a higher intrest rate and threatened me with foreclosure if i didnt sign, i refuse to sign because again every date they said payment was missing i gave them documentation it was paid.Also the modification payment would increase by about {$800.00} from {$2300.00} to {$3200.00}. 
Pursuant to the FCRA, I filed a police report and reported the issue to the Federal Trade Commission, both these institutions investigated the incident and declared me a victim of fraud and ID theft. 

I wrote to the bureaus, provided them copies of the FTC ID theft report, fraud Affidavit and the Police report, with which they were to block the fradulent information within 4 days of receipt of my correspondence. Experian and Transunion duly complied. Equifax flat out ignored my request and continues to violate the FCRA by persevering with reporting the fraudulent information. I have attached the excerpt of FCRA 605B that states the credit bureaus are to BLOCK fraudulent information within 4 business days.
Claims to have not received a payment but I have clear bank proof of the transaction.
Dear Bureau of Consumer Financial Protection : It is with heavy heart that I am complaining to you of my long story of punishments being extended to me unnecessarily for about 8 years now. I am sorry if your offices are not the appropriate places to lodge my complaints but I believe that I am not wrong. My complaints are so complex that you need to step in and help me resolve these issues. 







Dear Bureau of Consumer Financial Protection : It is with heavy heart that I am complaining to you of my long story of punishments being extended to me unnecessarily for about 8 years now. I am sorry if your offices are not the appropriate places to lodge my complaints but I believe that I am not wrong. My complaints are so complex that you need to step in and help me resolve these issues. 







I have tried to contact the company 5 times by mail but my dispute remain unanswered but they apparently answer the credit bureau and have requested that the debt stay on my credit!!! 

I I received a letter from the court house that the judgement has been removed, and i would like experian to remove the judgement from my credit report.
Continuous phone calls every day. Please stop the harassment. May contact me by mail only
Dear Bureau of Consumer Financial Protection : It is with heavy heart that I am complaining to you of my long story of punishments being extended to me unnecessarily for about 8 years now. I am sorry if your offices are not the appropriate places to lodge my complaints but I believe that I am not wrong. My complaints are so complex that you need to step in and help me resolve these issues. 







Bank of America mistakenly retained {$3700.00} through an erroneous merchant service transaction with my business. Although they acknowledge that they have this money that does not belong to them, and that it was a mistake they should have caught, they are refusing to give me my money back.
order.  I am asking to "please" have this debt removed from my 
credit report.  Thank you.
Calls almost every day, leaves no message. When I Googled the number, comments indicated Midland Credit Management.







This is not acceptable. We have moved back into our house, so the hardship has passed. I am gainfully employed and can afford a fair mortgage payment. However Quicken Loans has not given me any options other than full reinstatement, which I am not able to do.
ENHANCED RECOVERY CO has placed a collection acct on my credit reports that is not mine and they will not validate this acct. 
It needs to be removed at once/








Thank you for any assist you can provide. 

The rep came on the line asking to speak to me. I said she was speaking to me. She wanted to verify my address " for security purposes. '' She never identified herself as being a debt collector, that she was attempting to collect a debt, or what company she was from. She only advised that the call was monitored and/or recorded. I do not recall the name. I did not have anything to write it down. I advised that without knowing the company she was calling from, I would not give any other information. She said she would notate and hung up. 

Problems with initial call I received:1. Deceptive phone number usage. 
2. Not identifying as a debt collector3. Refusal to provide company name when asked directly for it. 

I know for a fact that debt collectors have to identify they are attempting to collect a debt ( when I called back, the only way I knew they were attempting to collect a debt was when the person told me the company name ). I also know that they *have* to provide the company name when asked.

I was a former customer of Bank Of America Corporation. Bank Of America Corporation closed my account after I was a victim of documented fraud. 

I received an intent to sue notification in the mail on a debt to an apartment complex from a company called Wakefield and Associates. 
TransUnion has kicked me out of the system for over two years I have had a username and pass code there has been problems ONGOING I have found a error recently and disputed with TransUnion they have kicked me off the system and or flaged my account causing me to jump hoops and preventing me from viewing and or getting my current status


I am filing this complaint on behalf of incorrect and improper information
c/o CitiMortgage , Inc . 
This letter is to demand that all of the above addressed entities Cease and Desist all foreclosure proceedings against the referenced property. I have previously requested documentation that any of the above listed respondents have standing to non-judicially foreclose this Note and Deed of Trust and proof that I owe anything to any of these entities. 
Govern yourselves accordingly. 


2nd complain : Escrow Balance. 



Your prompt attention will be greatly appreciated. 

After trying to explain the situation and asking for help, the man insisted that I was behind andthat I send payment and late fees. 
I have never been late on a payment and I would like CCO to apply the proper amounts to my account and not all of it to principal. I would also like them to correct these mistakes that they have made in the last several months and remove any credit bureau reports of late or missing payments.
Debt was wrote off, Time barred Debt.
I do n't what come from
Debt collection agency contacted my employer stating that they needed permission to serve process at my job. When I received the contact information of this agency I called them and was informed that they contacted my employer because they would be garnishing my wages at the maximum amount that the state statutes allows. I inquired as to whether or not the agency had received a judgement allowing such and their representative stated that they were beginning legal actions and that no such judgement had been entered.
Equifax is reporting a public record judgment on my credit report which is in error. 
I sent a copy of court records, which the court clearly states that the judgment is in error. 

It is beyond my comprehension that a multi-national credit card company would send an unsolicited card with a ready limit of {$10000.00} that could be activated by someone other than the named party printed on the card. My attorney is looking into possible action against CapitalOne for their unethical business practices. I will abide by his recommendation.



Please advise me as to how to proceed. 

Thank you,
To Whom It May Concern : I am writing to complain about Bank of America and my home equity line of credit ( mortgage loan ). 
Despite my appeals, the bank has repeatedly responded with the same generalized letter stating the bank " reviewed its credit reporting and confirmed the information given to the credit agencies is accurate. 
However, this is not answering my complaint : My question was WHY I WAS NOT INFORMED for nearly 3 months and whether or not the bank is obligated at all to inform a client within 15 days, 30 days or at all when a client has missed payments, and in this case due to a technical error in reporting on the part of the bank. 
I would appreciate your assistance in this matter, as Bank of America has not helped me to remedy this matter and this has seriously impacted my credit. It will remain on my report for the next 7 years, according to the credit agencies, unless the bank informs them otherwise.. 
Thank you
I 'm in the process of trying to get validation of an item on my credit report. I 've disputed this item with the collection agency along with credit bureau and no documentation was provided. I was never provided any documentation validating the debt ( signed application ). I have attached my documentation requesting proof/validation that I sent to them and have yet to receive. I 've attached all the communications I 've forward to the collection agency, and credit bureau. 

Thank You
I am writing this letter because I have repeatedly requested a BREAK DOWN of this past due billing information that I have received. 


I am asking to have this account dismissed and removed from my records because I am not paying for something I have tried to explain to them I do not owe.
1 ) Since Ocwen ignored, were stalling my loan modification, I wrote Ocwen a letter of my intention of a loan modification. 
4 ) Since the onset of the modification process, I received calls, letter of notices of Foreclosure, loosing my property if delinquent payments were not met etc. 
7 ) It is my contention that Ocwen Loan Servicing , LLC and the Debt Collection Division of Ocwen failed to communicate with me, the mortgage account holder. 
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
I opened a non-resident transaction/checking banking account at Capital One Bank in 2014. 
Recently, when i wanted to transfer money out of that account ( via internet banking ) I discovered that i could not. I contacted the bank about it, via secure message, and they told me that their " system '' does not allow an account without a SS number behind it to do outward transfers! 
Well perhaps they should have been upfront about that when i opened the account as a non-resident who by definitiion then does not have a social security number! 

So currently my money is permanently stranded in my Capital One Account. 

When i opened the account i explained that i would be operating the account mainly via internet banking and that i would need to be able to do transfers to external US accounts etc from time to time and was told that it would be no problem at all. 

All it would require is a willingness to help me as a client in order to overcome a problem created by the bank itself, but unforunately so far no such willingness has been forthcoming.
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!





To me, her statement told me that the branch has the right to discriminate against anyone on the basis of their outward appearance. I told her that the money was in my account and available for immediate use, and that she was refusing to give me my own money. She stated that she understood, but could not give me the cashier 's check until the money cleared, when in fact, there was nothing to " clear ''. I left the branch mortified at the way I was treated and I felt as though my money was being held hostage. 


Dear CFPB representative, I paid my mortgage on time as well as my own taxes and insurance without the need for an escrow account per my Mortgage and Note but wound up defending myself against foreclosure threatened by Ocwen Loan Servicing for a mistake that Ocwen made that was reflective of Ocwen 's inability to effectively and lawfully service my mortgage. All of the documentation is attached both from my end as well as Ocwen 's response to the apparent escrow fraud that was and still is occurring. 


This seemed absurd so I called Ocwen to report the mistake, which Ocwen finally acknowledged in writing ( see attached ) but then repeated their erroneous actions over and over, again and again - believe it or not - until I had to hire outside assistance to help me rectify the issue because Ocwen was now threatening me with foreclosure. Really? How could Ocwen threaten foreclosure on me when all payments were paid on time and the mistakes made were all Ocwen 's by their own admission ... this was crazy! 

The assistance that I hired - and would like for Ocwen to reimburse me for since they refused to correct their mistake for 10 months and counting without the help - was able to get Ocwen to once again close the escrow account in the past 30 days but Ocwen still held out over {$200.00} in payments in an " escrow suspense '' account for no reason other than for fraudulent reasons since I do not and have never had an escrow account. 

I have spent almost a year trying to fix Ocwen 's mistake and I would like Ocwen to be held accountable for the unfair and abusive mortgage servicing practices ( threatening foreclosure for their mistake then not correcting it for almost a year ). Also, I would like to be reimbursed for all expenses and fees paid by me to correct Ocwen 's mistake to include the hired help and other associated fees since Ocwen makes me pay their fees for their fraudulent and erroneous actions ; in fact, I 'd like any and all fees associated with their mistakes for the past year to be reimbursed and reconciled in my favor. 


Thank you in advance for your time and help with this matter and please see the attached that validates all of the aforementioned. 

I was a victim of identity theft and this account needs to be removed asap this account is fraudulent and continued attempts to collect is harrasment please help me in getting this resolved.



Please send me a refund of {$10.00}.
I wanted to know what interest rate might be to get a credit card for my mother to use for some upcoming dental work. I filled out an online application, just to see, got the interest rate information, and decided NOT to apply. I believe I did cancel the application, but the card came in the mail anyway. 
When I could n't get past all the barriers on their website, I phoned the company to CANCEL the card. The representative told me that my mother had to speak to him herself, or that I needed to send my POA documentation to them, in order to close/cancel the account. 
Additionally concerning is the fact that she was turned down by another company because she has no credit history for the past 20 years or more. This company appears to have made no inquiries at all as to her creditworthiness.




I have a Navient student loan in repayment and I was trying to pay off the remaining balance of my loan. I had researched on their website that a credit card payment can be made for the amount due over the phone. I always pay more than the amount due, and was planning on paying off the loan with my no interest credit card. I called customer service and they explained I can only make the minimum payment with a credit card, nothing more. I explained this does n't make sense. I can pay every month with a credit card but can not pay off the loan? What kind of policy is that? They would rather charge me their interest every month, where I can still use my credit card to make the payments, rather than pay them all their money at once. That is bad business and nickel & dimeing the consumer. They tried to tell me it was because that a credit card is another form of debt, but if I can make monthly payments with that very same credit card, please explain the difference?
I let them bully me for a long time, now I am going to fight back with everything I have.
I never received notification from Midland Funding llc that my savings account was going to be garnished. I was notified by my credit union with a copy of the affidavit by mail. I received the information from my credit union 2 days after {$450.00} was taken from my account. 




I need a review of the mortgage for fraud they do n't want to give a mortgage they have been asking for the same paperwork over and over again, they want foreclosure, I want to get a modification
I purchased a house a few years ago, and got a fixed 30yr mortgage. The monthly payment, including taxes came to {$2500.00} ( {$1900.00} for principal and intrest and {$600.00} for taxes ). About a year ago, the mortgage changed hands and the new company is now charging me {$2600.00}. I was confused by the increase in amount as it is a fixed loan and my taxes have not gone up. I called the company multiple times to try to figure out why, but the best explanation I could get was that they were now demanding an additional {$8000.00} sum to be kept in an escrow account, in addition to monthly sum I was already paying towards my taxes. I checked the fine print of the contract, and it is RESPA compliant, which means the amount the are charging is illegal.


I am disputing this debt, because it has never belonged to me. This debt is not mine. 


Allied interstate, ( while acting as an agent of dish network ), has failed to provide me with documentation relating to the claim from dish network that I dish any monies whatsoever, the request for documentation was sent to allied via USPS and was ultimately ignored. They have continued to call me, ignoring the FACT that this alleged debt is not valid, and that they have no proof of this debt whatsoever.


Recieved call stating BOA had aquired a loan from prior to 2010. Being very ill, I gave my wife permission to speak with them. She was extremely RUDE and kept telling my wife not to interupt her. She would NOT tell her anything except Bankj of America had just aquired the loan & they want thier money. When my wife tried to get any info as to what the loan was about, she said we could settle the debt right now but would not say anything more than it was an old loan that BOA had just aquired and no other info from whom the loan was aquired. She finally said we would be sued and taken to court and abruptly HUNG UP on my wife. I called here back and tried to get the info from her. She was so rude and ignorant, I could not believe this woman. She said " NOW YOU WANT TO TALK TO ME '' " if you want to know anything, ASK YOUR WIFE. I wanted to know how I can settle a debt when she would not tell me who the debtor was. I have to admit I became HIGHLY AGITATED and did use some abusive language and hung up on her when I could get NO INFO and all she was doing was yelling at me. My wife called back and tried to talk to someone else and they once again immediately hung up the phone without speaking, as soon as they determined who was calling. 

We ca n't afford to take this {$660.00} charge to a court - we are a small business, however, we believe that BofA process does not work the way it is supposed to and that the plumber charged our card fraudulently. 
Please advise and help.
When I apply for a car loan my father 's credit report is shown, not mine.



I applied for the Making Home Affordable program ( 2 % interest rate ) HAMP Tier 1 and/or Tier 2 through my mortgage lender, SPS. For the last few months, I 've been having a difficult time paying my mortgage and been trying my best to stay afloat. My expenses have increased. To make ends meet, I exhausted all my reserves and looked for help from SPS. I want to be evaluated for every loan modification alternative including the HAMP program which is the lowest and most affordable mortgage payment. I also want a decreased interest rate to 2 % through the HAMP program as well as any incentives. SPS has been delaying consideration of my mortgage application, losing documents, constantly requiring additional items, making me submit new documents because the documents I previously sent to them are now outdated ( the lender dragged their feet ), dual-tracking ( filing a foreclosure complaint while a modification is pending review ).
This is not a duplicate rather a corrected version. 

I keep getting a call from a company that I do not know who they are and have asked to not call again, yet they continue to call.
So I called them and asked them why they have charged me for twelve months of maintenance fee over an account they inactivated and they said that they can not return those charges because the account was opened. It sounds unfair to me that they inactivated an account, stopped sending me statements, blocked my internet access and now that I reached them to see what happened to my account they take advantage there is a balance in the account and charge directly 12 months of fees of a service they did n't provide. There was no straight answer to that but any way they argued they can charge it because the Regular checking contract says so. If so, why then they blocked my account? What about their part of the contract about having the account open for me all these years?
Purchases were made at multiple merchants which were expected to qualify under promotional rewards earn. Promotional bonus was not applied. Contacted via online message. No resolution. Contacted by phone. No resolution. Closed account due to " gotcha '' marketing and refusal to honor offer. 
Ultimately I missed out on bonus rewards for {$480.00} worth of transactions, or {$24.00} worth of rewards. 
Attached documentation supports and validates all information claimed above.
My divorce decree indicate that my ex wife to pay all medical expenses created by her children. A collection was placed on my report resulting from her failure to pay the medical bills from her daughter. 
I have disputed the issue with Experian and they sent a report stating the collection will remain and to work out a payment arrangement with the creditor
Instead of paying of the reverse mortgage, they put the money into a non-interest bearing account, which I can not access, as the executor of the estate. 
Champion Mortgage claims that the fax instructions were not signed by someone authorized on the reverse mortgage loan, therefore, they did not pay off the loan. 
I have made numerous phone calls, and have sent a letter instructing them to pay offthe reverse mortgage loan, to no avail. 
Representatives give incorrect information, supervisors do not return calls, and theyare now asking for more fees and interest on the loan. 
There are numerous on line complaints about how Nation Star/Champion Mortgage Co, does business, including padding invoices, and prompting foreclosures on properties, where people have tried to pay off mortgages.
I have received statements from Green Tree Servicing with conflicting account balances for the last 2 years. I have yet to get a correct statement from Green Tree Servicing. I have attached all of the documentation to prove that I have been making my payments and also that they have been calling my neighbors and informing them of the status of my loan.

I am in limbo with the house that I just purchased. It is in severe need of repair and I am not able to obtain a loan to repair the house because the HUD lien is more than the house is valued. I am just looking for Wells Fargo to complete this process by following through and send HUD the documentation they need to make a determination as to whether the second lien will be dismissed on the property. HUD will not allow me to send the documentation that I received from the bank. I am just asking Wells Fargo to do the right thing.
This company is calling my place of employment and being very rude and threatening. I do not know what it is in regards to but from the first moment they were rude and threatening.

On Monday, the story changed. Then, I was told that the machine is reconciled on Monday night, and the claim, which can take 10 days to " credit '' my money back to me, could only be filed on Tuesday. The branch manager said she would do me the " favor '' of crediting me the {$200.00} on Monday, which she did. However, I do not think anyone considers it a " favor '' to be given one 's money back. She also threatened that if the machine reconciled without the {$200.00}, I could face overdraft fees when they debited their " favor '' back. 

I am complaining about the timeframe involved with this banking institution 's responsibility to return money due to the errors or mistakes of their equipment. We all know they make money overnight, and now they have taken the opportunity to use MY money to do so, without offering me any recompense. Their behavior is nothing short of thievery.





Furthermore, my property value has severely declined as well. But I still want to keep my home!! I 'm not looking for a handout. I want to get back to normal and not be facing imminent foreclosure. It 's stressful not only emotionally, but physically as well. I just need someone to assist me in getting Greentree to use some common sense to solve this problem. I would be forever grateful for any assistance that can be provided towards that goal.
During my mortgage transfer, the gaining loan servicer had poor customer service and misapplied my payment.
I have no outstanding debts ( I had some many years ago, now all well outside of the statute of limitations in all states I have lived in ). This company called my husband 's cell phone and when he asked who they were they refused to give details. We looked up the number and they are a debt collection agency. 

They refused to give him details and told him " Someone will call you back ''
Sears is in direct violation of the settlement agreement by, 1. ) Not settling the account and applying my settlement payment to the account as a regular monthly credit card payment, and 2. ) By charging me interest and late fees to my account during a settlement in direct violation of the written agreement.
Company consistently contacting regarding payments yet are posting payments incorrectly.


Out of no where- started receiving calls at work, and leaving messages. I did answer and told them not to call my work, that I do not receive personal calls, and the man was combative, yelling at me " DO YOU WANT TO GET SUED? '' over and over. I have received threatening voicemails, stating that I am being investigated for fraud. My family has been called and harassed. My brother did not give my address, and the man stated : what type of brother are you, that you do n't know where she lives? " I receive different v.m. with different people calling. On my work v.m. they left a case #. They sent a letter to my former address, and it was forwarded to my new address- and it stated they bought my debt and not they want to collect {$7200.00}!! I do not owe any money to this company. They said the loan was from CashCall.
again these people do not provide accurate information to me and did not help me please help dispute the items that they say that is on my credit report i have told them that my information is not correct an they still would not help me.

Numerous phone calls at work even after I have stated that I am not allowed to receive personal calls as well as threats in regards to showing up at my job and contacting my manager directly. I have provided the hours that I am available after work and they are closed during those hours so they told me that they will continue to call me at work and leave harassing phone messages on my work voice mail.
I 've sent several letters to Midland Credit Management to validate debt they claim I owe, they have failed to send proper documentation to validate the debt they claim I owe. The last letter I sent was returned back to me as insufficient address, when there notices has the address on there.
This is a Bad financial policy. I urge the CFPB to investigate the financial industry giving out personal financial info without my consent.
Capital One has continued to sell an account to collection agencies after it was determined that the account was open due to identity theft. Capital One and the collection agency are appearing on my credit report for the same account. The account was deleted from my credit report and has now resurfaced.
I attempted to contact the the company via phone to validate the debt, however, the company was not able to provide me with any information in refer to account.
Collector calls me at work about once a month and I 've asked to not be contacted there. Is extremely rude, tells me i 'm irresponsible and belittles me on the phone. I 've tried to discretely answer questions while at work, but caller is pushy and not willing to listen to reasons for missed payments.
Although I notified them that the transaction was unauthorized and made against an expired credit card the Citibank representatives said that since the transaction was done by an automatic payment system all the Merchant needed was the card number and that Citibank did not require an expiration date for the card nor a security number. 
All that Citibank would do in response to my complaint would be to issue me a new debit card and process a dispute. The charge would remain against my account.
I noticed this discrepancy on my credit report, however, I do not know where this debt is from.
We paid our re-financed mortgage off almost a year ago, got a letter of pay off and was told we would get a lien release mailed. No lien release has happened. CitiMortgage tells us when we call, that the account has closed. We need our lien release!

Per my rights as a victim of ID Theft I demand that these accounts be properly investigated and removed from my credit profile. The FCRA ensures that Equifax reports 100 % accurate information. I also would like to see any consumer contracts and/or information contained in my credit file submitted as verification by the above referenced debt collectors and/or creditors per section 609 ( a ) ( 1 ) ( A ).
Lender is not willing to issue an approval letter which gives the buyer adequate time to close the transaction. Buyer needs 30 days and lender has stated that it will only give 1 week. It is a ridiculous time constraint to close a transaction.
This information is incorrect, and by law is required to be removed however experian has not done so. 
I want this resolved expeditiously by removing the information from my credit report. 

credit report s proved to be a very






2 ) While their payment processing center may be open on Saturdays, I 've been paying my bills on their website, and they do not accept payments on Saturdays, Sundays, and holidays. If permitted, I will attach or email screenshots showing that it is not possible to select a Saturday as a payment date. 

3 ) I suspect that allowing a longer grace period on days that the bank does not accept payments is done for legal reasons, not because the bank is nice. Perhaps having a processing center open to receive mail fulfills this requirement, but most people do n't pay their bills by mail anymore. For all I know, they could have a tiny office with a single employee, just to take in the mail, for the sole purpose of scamming people and charging them late fees when they do n't pay until the following Monday. 


I googled the number and see many complaints of same voice mails and apparently part of a scam.

Fraudulent action to freeze account
sent dispute form to Trans Union for late payment inaccurate reporting.
I am a victim of identity theft and Equifax refuses to assist me in making sure my credit profile is accurate. I have several records as proof. 

The Fair Credit Reporting Act Section 607 Compliance procedures [ 15 U.S.C. 1681e ] section B states ; Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I would like a copy of my Equifax credit report. I would like to speak with a LIVE person so I can dispute and freeze/unfreeze my credit. I would also like an account missing from my credit report added to my credit profile. The FCRA states in back and white that I should have all of these abilities. I need my credit report to be accurate in order to live a productive life. I am unable to open a loan to buy a home or vehicle. I am unable to open a credit card or establish credit. This has become mortifying and I if no action is taken I will have to seek out an attorney. Please help.


Please advise.
I was doing fine until ... .. 
I have a 4.875 % and put in the application for a home mod thru Nationstar Mort Co. 
They told me I would have to go thru a FHA trial period for 4 months. They dropped my payment {$80.00}. After about 4 months they then told me I would be on a 4 % so that was bringing me down .875 %. I told them to cancel. I then made my regular payments. They sent me a check for {$300.00} and I called and was told that it was escrow money. I cashed it. About 3 weeks later I received a check for {$1700.00} and I told the wife that escrow must have been way over. so I cashed it. Now I am a month behind and they are charging me a late charge. I can not refinance or do anything until I make a double payment including late charges that are building up each month. I spent hours on the phone finally getting to the person that is capable of making decisions and they said they would call me with a decision. They did not call or respond in any way. If anyone has anything to do with Nationstar Mort Co. " Please beware ''
There is a collection account listed on my credit report and the name of the collection agency is " Focus Receivables '' after reading hundreds of complaints I have determined that this is a scam company waiting for me to call and give them my social security number. I want this to be taken off of my credit report but I know that is n't possible without exposing this as a scam.
I have informed the Company I am not allowed to receive " personal '' calls at work. The Company consistently call throughout the day.


I never received a letter notifying me of the account conversion, and I searched my email inbox, archives, and trash and did not find any email from Bank of America regarding the account conversion. If I had received notice of the conversion, I would have declined and immediately closed the account. 

I work all my life trying to do the best I can but still ca n't get ahead because credit problem
What are my options?
I disputed information, no valid debt confirmation was recieved within the period allowed by law. the information is still reported on my Credit and has not been removed
A co-worker of mine in a different branch office of the company I work received a call from Kramer Associates asking to verify my whereabouts. I am not familiar with this company at all, but an internet search reveals they are a debt collector. I have had no correspondence with them, so I have no idea what this pertains to or why they would harass my co-workers. If they feel I do have business matter to discuss with them, they should contact me directly and not at my place of business.

So net we pay {$1000.00} per month yet we get dinged even though we only owe roughly {$450.00} to {$550.00} per month.
A third party calling on behalf of Bank of America continues to call my mobile phone even after numerous denials of consent to do so. The third party has left multiple voicemail messages with statements insinuating foreclosure activity even though my account is still within the grace period.

I 'm a victim of identy teff someone try to open lots of account in my name I call all the credit bur to let them no what 's going on I conct the credits about the inquery they they were spouse to be removed for some reason equfax is not remove wing it they keep giving me the runner around.


Per my rights as a victim of ID Theft I demand that these accounts be properly investigated and removed from my credit profile. The FCRA ensures that TransUnion reports 100 % accurate information. I also would like to see any consumer contracts and/or information contained in my credit file submitted as verification by the above referenced debt collectors and/or creditors per section 609 ( a ) ( 1 ) ( A ).
I ATTEMPTED TO PAYOFF ACCOUNT. SEARS GAVE WRONG PAYOFF AMOUNT. I TIMELY PAID THE INCORRECTAMOUNT GIVEN MAKING THE ACCOUNT {$6.00} OVERDUE. IT WAS SEAR 'S FAULT NOT MINE.
Please forward this to Experian for me. If you refuse to remove false and outdated information from my report. I am requesting a full report on investigation process. Who was contacted/phone numbers/and all information that was used to make this conclusion. They Must Prove that the information on my report is in fact correct.. Beyond any doubt. If they can not prove this..It must be removed! I want all records of how they went about verifying this information. Then I will proceed with any legal actions I have available to me. I 'll be waiting this full report. I am available for them to contact at any time they wish.

I have submitted numerous loan modification packages to Nationstar Mortgage and keep receiving requests for additional information even though Nationstar has received complete packages. I do not have a specific customer relations manager assigned to work with me. When I call I am transferred to whatever worker is available.
I would like to report CNAC, dba car now aacceptance company for harassment. I am fully aware that I am behind in my payments, but I have repeatedly asked them not to contact me at my place of employment in writing. They have ignored this request. I as well as family members have asked them not to contact us anymore and take the necessary measures to collect on debt, yet they continue to harass. Please let people know that they should not do business with this company
This debt collector called and was threatening, asking me repeatedly if I intended to pay a debt I know I did not incur with an Orthodontist? I have never been to an orthodontist. I told the debt collector I needed validation of the debt and he told me " blah blah blah - whatever are you paying this or not!!!!!!!!!!!!!!! '' I told him no and that he had no authority to call and threaten me at my place of employment!
Overdraft fees. 
I understand that my personal finances are my own responsibility, but when there are temporary lapses in funding, Chase ( and most other banks ) will charge and overdraft fee almost immediately. In many cases, this amounts to a 1700 % interest rate on an informal 'microloan '. 
In some cases, this has been for a tiny amount of money, resulting in a 1700 % usurious loan fee on a small purchase of something like a cup of coffee. 
I have some education on this matter, and I try to keep tabs on all this, I ca n't imaging someone with little education ever staying afloat. It seems with all the different ways to pay for things these days and different streams of money, something needs to change with these fees. 
It 's infuriating.
this company put a debt in my credit report, but I did not know about the debt either the company.When I called them they talk about a t mobile bill I had 9 years ago.This bill was on my credit report before, I disputed with the credit bureau and they removed it.
Harris and Harris keeps calling my home phone number and leaving messages. We have no debts yet they continue to leave these messages. The messages do not state who they are trying to reach.
Equifax , Inc. does n't actually read and investigate credit report disputes. They have done nothing to correct obvious inaccurate information on my credit report despite having received countless disputes. 
Please, Help Now.

Dear Sir or Madam : I am writing to file a complaint against HSBC Bank, NA for failing to provide me with a service routinely available to its richer clients. 


Because a bank generally wo n't issue this guarantee to someone they do n't know, it 's best to obtain a signature guarantee from a bank or brokerage firm with which you do business. 



My parents are not customers of HSBC bank. I am. 



It 's true that I am not transferring securities within HSBC, but I will be transferring securities as an agent for my parents ' financial affairs. 

There is probably no law that compels HSBC to issue the stamp. But this type of service is routinely provided to banks ' and brokerage firm customers as a courtesy. 

I can only conclude that HSBC is withholding this service because I am not a rich enough customer. 

Thanks for your prompt attention to this matter.
i never did business with this company, i was a victim of identy theft.
I filed, y taxes online through IRS and I had the option to either get my refund loaded on a pre pay card, Direct deposit or either get them mailed out to me. I choose to get the prepaid card through this company called Pay Power. 

While I hope they comply, I wanted to make sure this did n't happen to anyone else. Are banks required to notify you when your interest rate on a variable rate loan increases?
I have paid back the amount I owed to the company I borrowed the money from, but they keep calling me and threatening to take me to court or jail and they threaten me about how much they can take from my check every other week I get paid.I was threaten that if I did not give them my bank card number they will take me to court and/or put me in jail
Called my ex wife and son stating urgent need to call.
The bank charged a fee for me to check my balance on another bank 's ATM. This is ridiculous and I have never seen this fee for doing this before.

Bank of America ( BoA ) suspended my home equity line of credit based on a credit report they received that showed serious delinquencies, amounts past on on accounts, too few accounts currently paid as agreed. When I learned this I requested a credit report from the agency BoA indicated they used. The credit report I received did not show any delinquencies, amounts past due, or accounts not currently paid as agreed. In fact, there was nothing negative in the entire report dating back many years. BoA subsequently reinstated my line of credit. 

I asked BoA to provide me with a copy of the credit report they received from the credit reporting agency on which they made their decision to suspend my account. I explained to BoA that it appeared that the credit agency was providing different information to them than they were to me and that I needed a copy of the report they received in order to confront the credit agency. BoA refused to provide me with a copy of the report and stated that they could not because it would be " against the law '' to do so. 

Is it really against the law for BoA to provide me with a copy of the credit report on me that they used to suspend my account, especially when they understood that that report contained information entirely different that the information the credit agency provide me? 

How can I get BoA to provide me with a copy of the credit report on which they made their decision? 

None of the categories below match really well with these facts so I picked the one that was closest. 

Thanks.
I am accusing them of purposely losing payments so they can charge me late fees and make me lose my home. They lose notes, comments, communications, written paperwork ... thye force place insurance when you have it paid in advance for one year just so they can tag a premium delinquency on your acct ... ... thereby putting all of your now " short '' payments into a suspense account ... .this now goes on your credit as delinquent payments. I pay my own insurance myself, yet they say they have paid it since they have had my loan. Please help
I am continously reviewing the particular debt on my credit report and i have not recall of this debt. please i am requesting the incurracte reporting on my credit report to stop.
We contacted our bank who verified that the account number was in fact right and thatthey had no excuse for not processing the payment. We get the run around from Synchrony bank, who seems to have a horrible reputation with customers. This bank is predatory and no longer should be able to feed off the citizens of this country.
CRA locked me out from accessing my free online report to dispute, unless I provide with a government ID with Photo, specifically a Drivers license and Electric Bill that does not appear on my credit report.
My understanding of the definition of fraud, applies in this case.


WHEN DOES OCWEN LOAN SERVICING , LLC have to REPLY??? 
Thank you. 





We have no way to access critical loan management documents even for the purpose of this filing because Huntington refuses to give us access to the loan for which I am responsible.
We were charged {$64.00} in overdraft fees for transactions that occurred on the same day. One transaction was for {$7.00}


I am upset because a benefit that was advertised when I applied for the card is being taken away with little notice right after I applied. I contacted U.S. Bank using the phone and was told they can not do anything about my complaint.
I have disputed the same information with another credit bureau and got a timely response and items deleted, however, this credit bureau has not responded even though I sent the request by certified mail and I have proof of receipt date 42 days ago. This has caused me to be denied for credit, has prevented me from obtaining additional employment and has caused great strain on my health and well being.
American Collections Enterprise , Inc. has reported fraudulent information to credit bureaus regarding a alleged debt. This debt has been paid in full to the original creditor yet American Collection Enterprise , Inc. continues to report the debt as unpaid to credit bureaus even though they have acknowledged being informed of the debt having been satisfied prior to their most recent reporting to credit bureaus. 


My debit card was stolen once I gave my card I did n't get it back by someone I know I called my bank account told them to freeze my account they did n't. This person wrote my name on a check and everything and did multiple transactions. The person disappeared now I 'm left in debt of {$890.00} dollars and change.

I learned from a recent credit report that ENHANCRCVRCO is showing as a collection account and is trying to collect a debt in the amount of {$400.00}. This is the first time I have heard of this company or this debt. I was never sent a notice of right to dispute nor have I been contacted by mail or telephone regarding this alleged debt.









The only payments we were able to maintain since this happened about 3 years ago were for property taxes. 

We have attached a detailed letter written by me to Rushmore servicing which is currently handling my mortgage loan and started a foreclosure procedure about a month ago. 
Thank you for your help
I have a collection Agency call Mandarich Law whom I have no business garnishing my check. I called the original creditors and they said my case is closed and have no information on me on file.
This company calls constantly and will not stop.
The original creditor, Wells Fargo Bank, sold my debt to a collection agency, and I paid the debt in full in 2011. The agency correctly reported the amount paid in full to the credit reporting bureau - however, the original creditor shows the debt as owing and 'late. ' I contacted Wells Fargo and they refuse to remove the debt from my credit report.


We still have not received any payment or answer from you. Therefore, we regret to inform you that if we do not obtain the payment of {$570.00} in full before end of the day, we will have no other alternatives but to undertake court actions against you so before something goes wrong I thought that I shall call you and notify you about this matter. But as I was not able to reach you so I am sending you a final notification EmailAs we put your Social Security Number into our National Checking Database System we found that you have been never charged for a fraud activity & that 's the reason we have decided to give you chance to take care of this issue outside the Court without having a negative report on your Credit History and Social Security Number. 


We would advise to treat this matter with urgency and we believe you will not ignore this final reminder. To save yourself the inconvenience of court actions, we kindly suggest settling the total amount of debt and additional costs as soon as possible. 


We still trust court actions will not be necessary and look forward to receiving payment by return. 












Though this is not a large sum of money, the practices of this bank seem extremely suspect and it should not be allowed to operate in such a manner. 

Additionally I have, to date, never received a bank statement and can no longer access o line any records pertaining to this complaint though I was assured, by the manager, when this account was closed that I would continue to be able to " see '' the account on line. : /
Hospital was first denied payment from insurance without more information. Information was supplied to insurance company and insurance paid debt in full. Notice was sent to incorrect address for court fillings against me for this debt and I did not know about the attempt to collect the debt until the garnishment was given to me through work. I was able to stop the garnishment by showing proof the debt was paid by the insurance, but the company has not reported or removed to the credit bureaus this has been satisfied and no longer owed,
No notification of Dormant Account Fee for A free checking Account
I was in the process of being foreclosed on I paid ALL costs on reinstatement costs however, the following week after paying Bank is saying I still have a negative Escrow balance. The final figures are NOT accurate.
I DO NOT HAVE ANY OUTSTANDING DEBTS. 
THIS PERSON CALLED ME AT MY WORK NUMBER!! 

Thank you in advance for your help. 
Mortgage company failed to provide me with sufficient notice prior to foreclosure. Only notice received was notice of foreclosure which was less than 37 days prior to foreclosure. I did not have time to submit loan modification documents in time nor dispute said debt. Once I was notified of foreclosure date I immediately sent in a complete loan modification package and was told it had to be submitted 37 days prior to foreclosure. Under the fair credit practice act Rushmore should had notified me at least a month prior to foreclosure action to dispute said debt.
Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. 

My car was repossessed after I was unable to make payments on it. I lost my job and was no longer able to make the car payments.


I would greatly appreciate your assistance in getting my money back. 

Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. 
Each week, you have requested something, and I have provided the item requested ; I would then get a phone call requesting the same item. My response was, " it is in the email that I have sent you. " I have sent an email last week, requesting a response, to no avail. 
I find this process and lack of responsiveness unbelievable. At this point, I believe this lack of responsiveness should be elevated to a Manager, as well as the OCC because I am complaining very loudly regarding the treatment or lack thereof by Citibank. 
Unfortunately, your email to me is very misleading, the service in neither smooth nor easy. And the customer service is very poor, which is in direct contradiction to the statement in the Citibank email. 





It has been more than 3 months for Citibank to make any kind of decision and to process a refinance request where the existing loan is with Citibank, and now the forced placed insurance by Citibank is unacceptable by Citibank that I am paying for. 
Dealing with Citibank is a NIGHTMARE.
Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. 
We recently received our escrow analysis from Green Tree Mortgage and were informed that effective next month, our mortgage payment will be increasing by {$300.00} per month. They claim that there was " glitch '' in their system last year, such that while they paid our insurance premium, the amount had not been escrowed. As such, they are now raising our rate to compensate for this glitch to make up for a significant shortage. We were told that nothing could be done to rectify this, that it 's " simple math '', and to simply be thankful that they are spreading the shortage out instead of collecting it within 30 days. Even if we paid the $ 2500+ shortage out of pocket today, our monthly payment would still raise over $ 250/month to accommodate their " glitch ''. Needless to say, we are extremely disappointed & frustrated.
The form asks for User Information which consists of a online ID and password, billing address, full name, social security number, date of birth, address ( if different from billing ) city, state, zip code, mobile number, and card information credit/debit, the code verification number ( cvv ). It gives you the fees refund {$300.00} usd. Then they want you to use your email address registered with them to confirm a security verification with your email password. 
I called Bank of America because I do n't have any accounts or credit cards with them to confirm. The representative was very helpful with informing me there was nothing in there system with my name.
This account has been paid. I contacted the original creditor and verified a zero balance.
I went to my bank and cashed the {$2.00} check, so you can imagine my surprise when I received a copy of the check from my bank with a stop payment order. I was also accessed a {$12.00} fee for the stop payment on my account. 
If the money owed had been on my side, they would not have hesitated to demand that I pay up immediately. 

I want a refund of the original credit along with reimbursement of the fee that my account was charged. I do n't think a {$2.00} check will break the bank for AmEx, but I am aggravated that not only do I not get money owed me, but have been accesses an additional fee as well - for their mistake.
Midland Funding LLC has taken legal action without attempting to agree on payment plan or settlement agreement. I have requested to speak to the person in charge of wage garnishments and I have been ignored. Plus, I have been threatened to pay the bill in full without a chance to reverse the wage garnishment.




I have asked Discover to remove the hard inquiry, but am not making progress with Discover.
Many issues. Told in the beginning that I needed to get behind on mortgage to qualify for HAMP Program, I did and paid many late fees and attorney fees. Recently applied for the HHF Program, told I would qualify, WFHM stated that since they did not administer the HHF Program " In House '' for the State of Florida, they would not postpone Foreclosure hearing however, if I lived in a State that they did administer the HHF Program, they would have postponed the hearing. Many, MANY other issues, lies and untruths told over the past 6+ years, I am currently conferring with an attorney regarding filing a lawsuit against WFHM .
When we bought this house the economy was strong and our business was robust. Our issue was that we got a negative amortization pick a pay loan from Washington Mutual. I did not know how this loan worked, I did not know that the payment would start to dramatically increase along with the balancel. My payment had started out at {$2400.00} with an interest rate of 6.2 % and it went up to 9.2 % and {$3200.00} a month. This coincided with the recession and a loss of income and started my problem. 





WELLS FARGO DEALER SERVICES, Are Report that i was late on a payment, I have never been late with a payment, the report me late one-time on my credit report. Never Never Late!!!!!
I had sent Kia Financial information about my account and a bank mistake as they reported me late. After sending information to Kia, now they show me as being 2 month late


After I setup the pin I attempted to pay my car insurance with the card and the transaction was declined. I thought that was a mistake because the balance on the card at the time was {$10000.00}. 
I ask your help in this matter. 
Thank you. 
Sincerely. 
Several Disputes and Reinvestigations were filed. The Updated Information did not change the Account status to OPEN. 


I was instructed to send a written request, which included copies from each Credit Bureau showing the OCWEN Account trade line. 

I stated that I felt " trapped by OCWEN ; because [ OCWEN ] wo n't refinance me ; and is telling everyone else I do n't have a mortgage to refinance ''. 


I am unable to refinance my home because of the reporting errors caused by OCWEN. 

I need assistance to either get OCWEN/Credit Bureaus to report the information correctly ; or assistance in having the Credit Bureaus remove the incorrect information which is severely damaging any opportunity to refinance my home. 

portfolio has not removed this from my credit reports or validated this bill.

portfolio has not removed this from my credit reports or validated this bill.
I do n't believe this to be legal or ethical banking.

Thank you
There was an unauthorized charge on my checking account and my financial institution authorized it and said that it was my financial responsibility.
There was an unauthorized transaction on my account and my bank is stating that it is my responsibility.
I hope that I have provided enough information, and if there are more information needed, I would be more then happy to provide it when requested ....
Sent letter to Valarity to request verification of accounts
they call and dont say anything. i researched them but cant tell if they collect debt or do debt consolidation. I dont have anything on my credit report suggesting I owe anything other then my bills that are being paid.
During my time trying to work with HFC on refinancing my loan I was also told that they do not do modification loans in addition, do not have to comply with the Obama mortgage rescue plan. 
I have been experiencing problems with Wells Fargo Bank N.A . 
First problem : Wells Fargo Allowed a change to my bank account personal information at the request of an identity thief after I had submitted a 7 year extended fraud alert on my credit profile with the credit reporting bureaus. Wells Fargo should have contacted me personally with the contact information on my bank account profile in their computer before they changed my personal information. Wells Fargo changed my drivers license number and state of issuance, my country of origin, and my home address to those of the identity thief. I have proof of this because a Wells Fargo Banker at a local branch office in my hometown showed me on the banks computer that my information had been altered. He also gave me a printed copy of the changes that had been made. I closed the account since Wells Fargo did n't keep my bank account safe. 
The second problem I have had with Wells Fargo is that they have denied me access to online access to the Wells Fargo credit card I have with them. Wells Fargo sent me a letter saying they restricted my online access due to my identity theft issues. I have tried to contact them many times by phone to resolve the problem but I have waited up to 30 minutes on hold with their fraud department and often get disconnected. 




I have never received any service from the collection agency, I never entered into any contract with them either, so why should I pay for services rendered to a creditor/utility company, when the utility company has agreed to a payment from the credit agency? 

I do n't think the agency should be able to represent that I owe them the {$45.00}. A consumer should only be responsible for the debts that they make. Any fees a collection agency thinks they deserve should be dealt with between the collection agency and the original creditor. Passing these fees on to a consumer only digs deeper holes for consumers for services they never wanted nor received. 

I think legislation should be enacted that 1 ) a company can only report to a credit bureau to collect the original debt, and 2 ) a collection agency can not collect extra fees from the consumer.



This collection effort is some 6 years beyond the legal statute of limitations. And I will begin to suffer the garnishment next week. 
I have disputed this bankruptcy countless times. Equifax keeps reporting this bankruptcy but they will not give me any documentation that states how they determine that this bankruptcy belongs to me. The federal courts do not give out Social Security number 's so I want to know how this Equifax keeps determining that the Bankruptcy belongs to me.

I am an extremely detailed watcher of my credit reports, so I am 100 % confident this is not a valid debt whatsoever.
Financed a truck the sales contract was never given to me by finance company was not the original contract and trade listed was never traded in it was fraudulent sales contract and trade in vehicle was sold unregistered in the state of California

2. When I was 'served ', the documents with my personal information were not enclosed in an envelope and this a violation of my privacy rights according to FDCPA. 


2. When I was 'served ', the documents with my personal information were not enclosed in an envelope and this a violation of my privacy rights according to FDCPA. 

3. The company that is threatening me is located in Wisconsin and I am requesting from the company that they are in fact licensed to collect debt in Minnesota.

This was a legitimate dispute, there is no reason to think it was from anyone else.
on my auto loan Wellsfargo Dealer services never informed me that it was An Autoloan /Simple Interest Loan that I pay {$300.00} per month and all I am Paying is on the Interest only My interest is 14.75 % apr and I have paid over {$2000.00} in interest I find this to be a problem and then they are saying that I am 60 to 90 days late which that is not true but can Explain better talking to someone I will never Recommend Wellsfargo Dealer Service to noone
After reading countless horror stories from consumers about the treatment that they have received from SPS, I felt my situation would have a better ending. I have done everything within my power to get an affordable modification on my property. But, I have only received lie after lie. So I am filing this complaint on the grounds of LOAN MOD RUN-AROUND, DENIAL OF INFORMATION, AND LIES ABOUT AVAILABLE OPTIONS, and DUAL TRACKING OF LOAN MODIFICATION AND FORECLOSURE.
Central Mortgage Company charged a late fee that should not have been charged. 
They have done this several times on my online bill pay.


After moving out of my uncles house I attempted to change my billing address on the Macys website. I successfully changed my address under my profile but paper statements continued to go to my old address. Upon getting old mail from my uncle I called Macys and they explained that the billing address was not changed, that there is a prompt button at the bottom of the profile change page to change your billing address as well. Not seeing said button I believed the address to be changed and will be attaching a PDF showing that contact info under my profile does not indicate a separate billing address. I have spoke to multiple employees/managers trying to resolve this issue but they have been very unhelpful bordering on rude. They claim that my email notifications should be sufficient. Since I normally do not use this card outside of macy 's I did not expect to have a balance and the email notifications do not indicate a balance is due. 
Do to their deceptive and fraudulent business practices and unwillingness to rescind the 60 day and 30 day past due reports to the various credit agencies, my otherwise perfect credit score was lowered to the effect of paying a much higher interest rate on a 30 mortgage loan. Essentially, a missed {$88.00} payment will result in my unnecessarily paying thousands of dollars more over the course of a 30yr. mortgage.
{$470.00} for Re-letting Fee ( 30 day notice was given. Makes no sense ). 
The rest {$72.00} is for utilities. I am not sure if I paid this but I do not mind paying the {$72.00} but the rest of the charge is bogus.
Some of the original calls said they were calling about an investment issue. I do n't have investments so I hung up on them. 
Still call constantly, blocked numbers, unknown names, cell phones. I have blocked them on all my phones. I think they are just a big bunch of scam artists.
Please see Attachments. 
Worst of all, American Express NEVER made any attempt to contact me to verify the charge. Instead, they immediately shut down the account, accused me of " fraud '', froze the funds for weeks " pending investigation '' ( for which I had no say nor any opportunity to explain ), and then only refunded to me part of the funds that were in the account.
This is a serious blemish on my credit, and I would like to get it resolved. I have not been reimbursed for this travel expense, as I was unaware that the debt was owed and therefore did not submit a travel report which reflected the amount of the ticket.
This violates the Gramm-Leach Bliley Act. 

I know when I cancelled my phone bill and internet I paid my bill. This company is fraud and I have been reading all about it. I ca n't even get these people on the phone. All I have been reading about is how they are fraud. 

I ca n't find documents. I know this is wrong. Even if I pay them then it still wo n't go away from my credit report. Can you help me?

put a lien on my house. after I paid them off, they did n't remove the lien or judgement. I am now trying to sell that house, and ca n't cause of the lien. they are refusing to remove the lien and wo n't talk to me, but insist I get a lawyer.
I had an account with BB & T Bank. When I opened my checking account I specifically stated I did not want them to process any transactions that would send my account into an overdraft status. I clicked on the " opt-out '' link. BB & T allowed many transactions to go through on several occasions which resulted in exhorbitant overdraft fees. I paid BB & T for some transactions. I even spoke to a representative who stated she saw where I " opted out '' and she refunded my money for this. However, BB & T continued to allow transactions to go through and now they are trying to collect these funds from me. I have spoken to several representatives in customer service trying to resolve this matter but to no avail. I do not believe I owe BB & T any money because of their negligence. I want them to cease all collections activity and to remove all disparaging information from Chex Systems, Telecheck and any other consumer reporting agency that they have reported this information to. It is not right for them to disparage consumers based on their negligence.
Fraud by my mortgage company - not complying with the Obama law about the mortgage and receiving false documents.I asked for copies of our taxes and received paperwork with my name with incorrect address. 
They have been increasing our escrow and I believe trying to cheat us all the time. When they gave us a loan mod there were stipulations which should not have been plus the principal was not reduced. We were under water and the house at the time was not worth what is owed, we have not moved and have had the same address for over 10 years. We never received documentation of them taking over our loan. 
We have asked them for original documents and they can not provide them. 
They always send some form of excuse. I am tired of every year they are always increasing our payment. 
They keep sending all these paper work with false documentation and no one is holding them accountable and I have had enough.
I forwarded one of my tax bills to SunTrust Mortgage. They only paid aportion of the bill, and I was assessed fine/cost of {$280.00}. I contactedthem about this and they told me they would refund my account for thedifference because it was their error. After several months and severalmore phone calls I have still not received a credit to my account.




PRS never provided any verification documents even though it was requested on multiple occasions.

I wonder what would happen to me if I tried such a deceptive and fraudulent maneuver!!!
Repeated calls after being on the " DO NOT CALL LIST ''.
The collection agency has contacted my father regarding my debt. It appears they discussed more than just my location with my father. I never gave them authorization to communicate with my father.
THEY WERE SUPPOSED TO LET ME KNOW IF EVERYTHING WAS OK BUT I AM STILL WAITING FOR OCWEN TO CALL ME.
I had applied for a student loan in the past but did not receive the loan. They have it on my credit report as a hard inquiry which is preventing me from getting future loans for my last year of school. I am asking for that to be removed
Best regards
I have had a large credit card balance for over 13 years. I have been making the minimum payment on time for the entire 13 years. I had requested help many times from Chase to help me get the balance under control. They refused to help by lowering the interest rate. The balance has been about {$14000.00}. Recently I realized Chase was paying down the 16.25 % interest bearing balance and adding the pay down amount to the 19.25 % interest bearing balance. The accounting trick was allowing Chase to add about {$40.00} a month more in interest charges to the 19.25 % balance. So if I continued to make the minimum payment each month eventually the entire {$14000.00} balance would be charged at the 19.25 % interest rate instead of the 16.25 % rate. When Chase can borrow from the Federal Reserve at less than 1.00 % how can they be legally be doing this to me. If this accounting trick is legal then someone needs to change the law.
This debt was paid dont owe need this off my credit
Two months later I noticed derogatory marks on my credit report and contacted the lender, at which time, due to their mistake, they agreed to backdate my forbearance and " remove all delinquencies '' from my account. 
At the advice of the lender I removed the loans from deferment, and they have since started reporting payments. 
I have since learned that not reporting payments to an account is a violation of the FCRA and requested to have my loans account changes removed. My loans have been placed back into a deferment status, however, they have not reversed any of the compounded interest. 


Finally, the company does not have a user friendly communications system in place for the individuals that they maintain data on to contact and dispute information. This system should be improved and not frustrate consumers in the process.
Upon inception of the servicing of the mortgage, my note was {$1200.00}. It is now and has been for several months at {$1500.00} with a {$48.00} late fee attached. I was not given 60 days to prepare for the increase, nor was I presented a payment plan to make separate regular payments at a different time of the month to resolve the negative escrow issue. Instead the high escrow payments were placed on top of the mortgage, bundling them together for their convenience and forcing me into default. 

Ironically, the amount applied to the principle remains static at a measly {$220.00}. 
This is a written dispute regarding a previous credit card account that reported me 30-days past due for one month 's charges. My recent credit bureau score report labeled 'Account 30 days past due ' that I am requesting to be reviewed and expunged. 
I ordered my free annual credit report from Experian. I also decided topay {$4.00} to obtain my FICO score. I received both. Experian then usedmy credit card info to bill me {$19.00}. I do n't know what for and theyrefuse to tell meunless I give them my social security number and birthdate over thePhone - in addition to my name. I gavethem my name and SS # but birthdate too was too much to divulge to strangers over the phone. They have no contact for billing issues. I saw multiple complaints for the same issue from others online. It looks like they are signing people up for services without authorization andthere is no way to address it with them. If you do n't pay, they 'll destroy your credit rating. I am trying to dispute it thru my credit card co but Ido n't know if that will be successful. I could use some help.
I have never actually talked to anyone but they constantly call over and over!
Two months later I noticed derogatory marks on my credit report and contacted the lender, at which time, due to their mistake, they agreed to backdate my forbearance and " remove all delinquencies '' from my account. 
At the advice of the lender I removed the loans from deferment, and they have since started reporting payments. 
I have since learned that not reporting payments to an account is a violation of the FCRA and requested to have my loans account changes removed. My loans have been placed back into a deferment status, however, they have not reversed any of the compounded interest. 
My mother is meticulous about keeping records - she does not ever recall receiving a notification from Wells Fargo that there was no activity on the account and it was going to be escheated. Both my parents and myself had assumed that an IRA is not something that needed to be kept " active '' - we were under the assumption that it is a retirement account, meant to be left alone until ready to draw on the funds in retirement. I am far from retirement. Your help with this matter is greatly appreciated.

I called the finance specialist back, and after a little research, he figured out he gave me the wrong number. I just sent a credit application with my SSN, DOB, employer, income, a copy of my driver 's license, and all the information needed for credit fraud. A finance institution did this to me. This upsets me greatly and according to the finance institution, there is nothing they can do but call the individual back that I sent my information to and ask him to delete it. This makes me feel so much more safe. I just put my information out to be used or sold to a complete stranger.
Sorry about the funds to close but the difference it is made up in the escrow return. 


A few weeks later the escrow check was received in the amount of {$2200.00} ... big difference. 

We think we were misled and I ca n't say for sure but I do n't know if we would have gone forward with the transaction without the inducement of the {$4400.00} escrow refund. 

Do we have a legit complaint? 

Thanks again for your attention to this matter. Any guidance you can offer will be appreciated. I 'm sick of going back and forth with the lender and then being ignored.
I contacted Wells Fargo Mortgage to discuss with them about going back to school and possibly modifying my home loan. I was informed it had to be delinquent. I was also made known it would proably take a couple of weeks. I immediately submitted to them all the documentation requested. 


Green Tree was unprepared to collect payment as of the loan transfer date. Green Tree has made no effort to contact me in regards to how to make payments. The only correspondence I have received in this matter is from my previous servicer. I have wasted 2 hours dealing with them today.
Two months later I noticed derogatory marks on my credit report and contacted the lender, at which time, due to their mistake, they agreed to backdate my forbearance and " remove all delinquencies '' from my account. 
At the advice of the lender I removed the loans from deferment, and they have since started reporting payments. 
I have since learned that not reporting payments to an account is a violation of the FCRA and requested to have my loans account changes removed. My loans have been placed back into a deferment status, however, they have not reversed any of the compounded interest. 

they constantly call me even after i have asked them not to. 




After steadily getting all the calls regarding the repair bill I told them that my repair bill should be paid for by now. When I looked at the bill I saw that interest was being charged to the repair bill. 
When I went to them they combined the repair bill with the rest of the balance owed on the car. That 's when I discovered that I was being charged interest on the repair bill. 
I am submitting the payment history and a copy of the contract. 
When I started paying I would pay every other Friday, to get the loan down, and I figured it was a good way to pay since I had to pay for the Azera and the Town and Country. 
I filed bankruptcy in 2010, I moved put of the a home that had major sewer issues. I filed that home on my bankruptcy and the mortgage company OCWEN never forclosed on the property.They have my name still attached to the title of the home and are aware that I have filed bankruptcy. I asked them when are they going to file for forclosure the said they do n't know. I asked can my name be removed off they title since its on my bankruptcy they said no. They asked for proof that I surrendered the property I asked what number I should fax it to they gave me a number. I called back again to verify the number and they gave me a different number. They never had one set protocol to handle the situation. They then told me to sell the house its the only way to get my name off the title. I explained I do n't own the home. I have no finanical responsibilty to it. They said yes I do. They told me although I have no fianancial reaponsibilty it is still my house.
THIS IS NOT A CHARGE DISPUTE. IT IS ABOUT TAKING THE CHARGE OFF FROM MY CREDIT HISTORY. 
Two months later I noticed derogatory marks on my credit report and contacted the lender, at which time, due to their mistake, they agreed to backdate my forbearance and " remove all delinquencies '' from my account. 
At the advice of the lender I removed the loans from deferment, and they have since started reporting payments. 
I have since learned that not reporting payments to an account is a violation of the FCRA and requested to have my loans account changes removed. My loans have been placed back into a deferment status, however, they have not reversed any of the compounded interest. 
I was late paying my property taxes. the county notified bank of america.Bank of america paidthe taxes by setting up an ascrow account causing my monthly mortgae payment to increase. subsequintly the county notfied Bank of America that I had indeed payed the taxes albeit late and refunded BofA. I asked BofA to remove the escrow account that is noe included in my mortgage payment. I explained that I am on a fixed income and can not afford the payment increas BofA refuse remove the escrow account

I need help, and I have no where to turn. I would appreciate someone guiding me in some direction for help of any sort at this point. 

Please..I 'm begging..help the rest of us homeowners who are underwater, scared and about to lose everything because of the big banks shenanigans. We bailed them out ... who is helping us?

She spoke very quickly, and I assume the company who does this, speaks in this manner so as to confuse and worry the people they are contacting. I am sure that there are elderly people who are receiving these types of calls and who are swindled for money. Luckily, I am not so easily persuaded or intimidated. 

This is not the only instance of this happening. It has happened several times over the past few months.

I have not been able to access the " reconsideration '' department for the Paypal Extras Mastercard, as Paypal has automated the process. 
At this point I do n't know what 's their terms and conditions regarding the time I can have a credit card without using it and what is the status of my complaint.
Please help me with this. I have email copies and other evidence that mayhelp, please let me know what you need.

We requested they honor the original terms they proposed and they recently came back and said that was a misprint. 
We would like to request that Ocwen cease the unjust practices with us and follow through with the original terms.
I HAD A JUDGMENT ON MY CREIT REPORT I HAVE PROOF IT HAD CAME OFF MY CREDIT REPORT AND SOME OW IT CAME BACK ON AFTER IT WAS TAKING OFF
My complaint is about telephone calls to me from a debt collection company. I have no outstanding debts of any kind. Yet I continue to receive telephone calls from this company whose website self-describes as a debt collection specialist. No message is ever left on my answering machine and many different numbers are used, presumably to defeat the call-blocking feature of a home phone. 
Your form required me to choose a type of loan, but there is no loan concerned with this company or me. Your form also required me to best describe my issue, but again, there is no loan, so my issue is best described as harassing or annoying phone calls.
My wife and I have a mortgage with Chase. They have forced placed flood ins. on our property and we can not get anyone on the phone that even knows what a flood map is.Please reply asap the bare charging us 6000 dollars a year and we are not in a flood zone.



Based on the recent reports of the CFPB investigation and the Greentree settlement, it is clear that my experience with Greentree is not unique. As a result I decided to communicate my experience in dealing with Greentree.

I disputed the reporting to the bureaus and they came back as the debt being verified. As a follow-up to that I sent a letter directly to this debt collector requesting documentation and validation of this debt. 








I have a business account with BB & T. There was an unexpected transaction which overdrafted the account. The problem I 'm having, is this has been two weeks ago, and now everyday they are charging me {$100.00} in bogus returned item fees. The fees have now accumulated over {$1000.00}. There have been no debits, only credits, and I still can not keep them from charging additional fees that are overdrafting the account. I get charged overdraft fees even when the account is positive. This practice is unethical, and it 's hurting my business. They have taken an entire weeks worth of revenue, and it 's still going. They refuse to freeze or suspend the account, nor will they allow me to close it. I 'm stuck paying {$100.00} for unexplainable fees. If you see the account, you wo n't believe it.
You are delinquent or in danger of falling behind on your mortgage. 
Your property has not been condemned. 
You have not been convicted within the last 10 years of a crime in connection with a mortgage or real estate transaction. 

I do not agree to pay any legal fees. 

Purposeful misrepresentations, Abusive tactics, Obstructing Hamp modification. 
1.Green tree representatives, kept pressuring for payments during loan modification approval period, by using abusive language. 
2.Would not give status of modification without payment of past due balance. 
3. Misrepresented that we had to have our payments current for the Hamp review committee to approve our modification4.Would not give name of supervisor when I confronted representative about abusive behavior. 
I have multiple loans with Navient. When I make monthly payments they consistently mis-allocate my payments among loans so that I overpay on some loans and underpay on others, resulting in them charging me late fees. I then have to have lengthy phone conversations to resolve this. This has happened on multiple occasions.





3. Copies of any documents paper or online they used in their investigation. 
These are my rights under the Fair Credit Reporting Act ( FCRA ) section 611 ( a ) ( 7 ).
My credit report indicates that I 've " also been known as '' a name that I have never used. I 'm not sure how this happened or how to remedy it.
Falsely changed the dates of original debt to current year in order to collect on a write off over seven years old
I told them I have no information for them. 
I asked them not to call me. 
I keep getting calls on my cell phone while I am at work. 
I have no idea how they found my information because I am not a co-signer or co-debtor. 
I do not want them to call me again.
Bank of America enticed me to participate in their Trail Loan Modification Program and inflicted financial hardship on me and messed up my credit ratings. 
I have never been late or missed any payments with Bank Of America. Then I get letters from them informing me to participate in their Trail Loan Modification program to lower my monthly mortgage payments. So I enroll. My mortgage payment were reduced for five months from {$2000.00} to {$1700.00}. At the end of five months they informed me they were going to extend my current 30 year mortgage another 15 years in order for me to receive these lower monthly payments. 
I refused to participate in this program. Paying another 15 years of interest to B of A is not in my best financial interest. They immediately inform me I had to pay the difference of my lower monthly payments within 30 days or suffer the consequences. A difference of {$1000.00}. Placing extreme financial hardship on me and my family. But I paid this amount. 
I should not be punished for cooperating with my bank. Currently this negative information submitted to credit reporting bureaus prevents me from refinancing with another bank. An intentional ploy by B of A.
i have inquires that should be removed and have proof that they should be removed and equifax has yet to remove them i hope hat you can help me get them removed
My mortgage broker submitted my application for a loan I would not qualify for, even after being provided full disclosure of my situation. Broker was not aware of mortgage rules and as a result submitted my application for a loan type I would not qualify for, and then did not advise me in a timely manner prior to the financing contingency deadline that underwriting had found issues with the application. As a result, I lost {$1500.00} earnest money. Mortgage broker refused to take responsibility for lack of timely communication, and not understanding the mortgage rules.

I believe this call breaks several laws concerning debt collection and I want to file a complaint.







At this stage in the matter before you we not contemplating the pursuit of additional punitive damages nor reimbursement for legal fees incurred. We are only requesting non-punitive relief from this obligation against our credit.



I had to ask him to repeat where he was calling from and he said " Stellar recovery ''. 
I had to ask what is stellar recovery and he said it was a collection agency and that he did not want to disclose any more information about it. I said, " Well I do not want to disclose my personal information to somebody I have no idea what it is. " He said, " I will document this '' and then he hung up. 
i feel harassed, just because i dont want to give up my personal information to someone who refuses to tell me why they are calling who they are who they represent or what debt i owe, I 'm somehow being reprehended by receiving a negative documentation.
They just sent me a letter stated that we are n't able to reopen your account. 
This will make problem for me in future to apply for any kind of loan. 
Please help me to reopen my credit account. 
Thanks,
I HAD MY WALLET TAKEN FROM ME AND THEY TOOK {$2000.00} OF MY BANK ACCOUNT AND WHEN I CALLED MY BANK TO REPORT IT THEY SAID THEY WOULD TAKE CARE OF IT AND THEY TOLD ME THAT THE BANK CANT NOT LOSE THIS MONEY LIKE IT WAS MY FAULT MY WALLET WAS TAKEN FROM PURSE ALONG WITH ALL MY CREDIT CARDS AND ID. AND MY BANK WELLS FARGO DENIENED MY CLIENT AND NOW I AM OUT {$2000.00} I WANT TO KNOW WHAT PROTECTIONS DO I HAVE AGAINST FRAUD AND HOW CAN MY BANK IN 1 DAY COME TO A DENIAL SO QUICK AND JUST LET ME LOSE THAT MONEY I NEED HELP IN THIS MATTER IT IS NOT FAIR AND I FEEL THAT WELLS FARGO DOES NOT STAND BEHIND THEIR CLIENTS.
Trident Asset Collection Agency placed returned checks into the wrong category. They were entered as if they were revolving accounts ; in which, payments were assigned/ made on a specific date or cycle.

I feel like they are employing tactics that were outlawed for a few years now.
I received a loan modification from OCWEN and have made all the payments before the due date but they have assessed a late charge for every payment and have ignored my requests to have them removed even after I provided bank records. I assume they have reported the late payments to the credit bureaus.
I have no idea what this debt is please provide original documents showing the validity of this debt
Check City continually calls my phone number. I tell them they have the wrong # and that I do n't know the person they are trying to reach. They have continued to call. I 've told them I was going to file a harassment complaint, but they continue to call my phone.
My payment is P.I.T. there is no in loan insurance. 

I have figured out that they seem to lose track of customers payments all the time and do n't have employees that can read their " payments received '' list. 
This usually ends in ocwen FORECLOSING on people 's homes! 

I need this to stop.
Today I received an email from them saying they were pressing charges against me for check fraud for a defaulted loan I have with them. They told me I should have someone ready to get me out of jail. They also told me that they were going to talk to my superiors at my job and let them know what I have done.


I MADE ALL MY PAYMENTS TO SUNTRUST SINCE INCEPTION OF THE LOAN ON TIME AND AS IT REQUESTED. ITS REPORTING LATE PAYMENTS IS NOT ONLY INACCURATE, INCONSISTENT WITH ITS OWN REPRESENTATIVES STATEMENTS, BUT ALSO CHANGE FOR THE WORST EACH TIME.
This is a false debt so i called them to dispute it. 
Contacted them and they have refuse to correct this error.


I have made my loan payment as agreed without fail. It has never been late and I still make the payment on time. But the company is reporting that I am over 180 days past due. I 've tried speaking with them but they do not seem interested in fixing the problem.
The amount on mu credit report does not match what is owed. I was told that it does n't matter if it 's accurate and to " just pay my bills ''
There has been multiple issues within this same situation. 

Received calls from " Bryant Bryant and Associates '' stating that I owe money on a bounced {$500.00} check from 2010. Never happened! The bank and account number they gave me was either fake or belonged to someone else. I asked them to send documentation and they refused, saying they did n't need to provide documentation. The woman on their end became very pushy and belligerent. I did not give them any information, and I clearly stated that they were not to call me anymore. They tried again anyway. I have now blocked their number on both my home and cell phones.
I waited for it for almost a month but still it did n't came. 
with this action that the seller had shown i complained to paypal ( which where i made the payment but paypal had just closed my complain because the seller gave them a tracking number which is still not updated during the review of paypal that said it was delivered to me, but paypal did not asked the seller if it was resend back to them because if paypal just checked the tracking number many times they can see in there that it was resend back to the seller ). 
Paypal closed my dispute and adviced me to communicate to the seller, which i tried many times but the seller did not answered any of my emails and calls and it seems had no plan of refunding me.

At some point after the initial call from Medical Revenue Service, I contacted the hospital that serviced me to confirm if there were any outstanding fees I had to pay. The hospital did not have any fees, and they confirmed that they did not send any outstanding fees to debt collection.

These people are absolutely ridiculous. When you can send me something in writing maybe just maybe I will call you back. I know my rights and threatening people for a supposed debt is absolutely and completely illegal. But NICE TRY THOUGH ... Guess ill be blocking this number too! 


I feel my credit scores should be a lot higher then they are.All payments have been on time, I have small balences on the credit cards that I have. The scorces do n't match the numbers, can you look in to this? Over the last 3 yrs I have done a lot of work to get it right, the reports are great the numbers do n't make since.
I have several fax confirmations confirming the package wasrepeatedly sent. I have also been making my payments but BSIrefuses to acknowledge that. Anything Consumer Finance can dowill be greatly appreciated! I do not want to lose my homesimply because BSI refused to communicate with me.
Account is under government payment plan ( HAMP ) and as long as payments are made as agreed, the account must be reported as satisfied to the credit bureaus. I have not missed a payment in the program ( they were all scheduled ahead of time and all have been made ) and Wells Fargo is reporting me 90 days past due to transunion, equifax and experian which is illegal according to the HAMP guidelines.
I have spoken with Chase Bank and they will not update my credit report, they only show it as charged off now. I feel they need to alert the court and the Credit Bureaus that this is satisfied or something. I can not be responsible for earned income and still owe them money. I have also contact IRS and they said to contact Chase Bank.
I have a mortgage and my mortgage company collects escrow and pays for my property taxes out of that escrow. Unfortunately, they collect the escrow but fail to pay the taxes, resulting in my being delinquent in my taxes and being fined by my town.
The credit reporting agencies are incorrectly reporting my current account status as 60-120 days past due. I paid the accounts and have a zero balance. I want the credit agencies to report the current status correctly as " Paid as Agreed ''.
FOR 5 YEARS I HAVE NEVER been able to get my free yearly credit report from transunion.

I paid Quicken Loans to engage the appraisal company. The appraisal should be transferred upon my request. It should not be held hostage in an effort to force me to transact with Quicken Loans. 

Issue descriptions shown- Debt is not mine is closest to describing the situation. There is NO debt. 
Instead, they have added this item to my credit report and show it is in collection. As well, it is showing in the report that they have turned it over to attorneys for collection. I believe this may also be a violation of the FCRA since it is merely an intimidation ploy. 
Based upon complaints I have read about AFNI, they are unscrupulous in their methods and have many violations of the FCRA on their record. They added it to my credit report without providing any written documentation about the collection OR written documentation showing proof that the debt is valid. They add it to a credit report as leverage to collect the debt and did not act either ethically or legally. 
Please advise. 
Thank you.
The IRS behind this concern has been over for over a year. What is Capital One 's problem. Please Help with this issue.

I was in the generation of kids who were told that getting college degrees would open the door to great paying jobs, so rack up all the student debt it takes cuz you can pay it off easily after you sort through your job offers. 
I saw this contact info on my credit report. 

Here are some highlights of phone conversation I had with them. Definitely feel free to request the call transcript to verify that the detail I am sharing here is the true presentation. 

3. There was a clear lack of passion and dedication towards their client for whom they were trying to collect the amount. 
5. They did n't have the creditor information available handy and did not share even the phone number or the address. 



The strange and unacceptable part, and the reason to visit this site today are ; 1. Not a single original invoice was sent by the hospital ER room at all. ( I am not talking about the reminder statements/invoices ). 
2. The ER ( never ever ) sent me the {$650.00} invoice by mail at all. 
3. Let 's say hypothetically, they sent me. The invoice They never ever sent me a reminder, collection warning letter or any final settlement opportunity to pay off my part of obligation. 
4. The only letter I received is straight from collection agency asking {$650.00}. 


Also, with another similar situation, a collection agency ( an authentic/genuine ) shared the creditor info right over the phone including the phone number and an address. These guys told me, we do n't have an access to those details, we 'll get back to you soon. ( No specifics here in terms of time line ). 



Please continue to read the complain in the other part of this submission.
Thank you. 
II called a Wells Fargo Visa card representative and agreed a balance transfer to my Wells Fargo account of {$7000.00}. The representative stated that it was a 0 % interest loan and that I would be charged {$15.00} a month for 15 months. The conversation was recorded and I agreed to the transfer over the phone. 
I would like the bank to honor the verbal agreement they offered at the time of the loan.





I realized, a few seconds later, he had n't given me any information about the loan. I called him back and asked about the interest rate. He quoted me 29.993 % for a personal loan for 4 years and the monthly fixed payment of {$150.00}. ( Pause ) I told him that rate is high. Then I said, alright, and told him I would see him tomorrow. 
I created in Microsoft-Excel amortization chart. The interest rate he quoted me was NOT 30 %, BUT 52 %, at 4 year on {$3000.00} for a monthly payment of {$150.00}. I called him back and told him about this and he told me there were all this OPTIONS the Bank could add on to the loan tomorrow night. Apparently, the {$150.00} quote assumes the customer SIGNS WITHOUT READING. 
I would like for the issue to be resolved and all of the fees associated with this transaction reimbursed or stopped, since I do n't feel that I should be held accountable for Wells Fargo 's inadequate assumptions about my own signature. Additionally this account is a joint account and both names on the account have the same initials, hence the confusion might of emerged from there. In any case, I would like to get refunded the {$12.00} that I had to repay, in addition address any further fees/penalties on my account.
My wife and I are a very strong couple. We have endured and have overcome all types of obstacles in our married life, but we have run across a scenario that we are struggling to manage on our own. Flagstar Bank is trying to sell our house through foreclosure, but is n't taking the time to try to help us save our home. The set of circumstances that led us to where we are today were beyond our control and no one at Flagstar has been willing to take the time to sort out the mess. 
I have tried to engage Flagstar to get a loan modification so we can keep our home, but have been given the runaround. They have not offered a review and have not taken any of our claims into consideration. Each time I tried to engage Flagstar, they would refer me to the VA. The VA in turn would send me back to Flagstar. Each of them passed the buck, and now Flagstar is setting sale dates and trying to kick me and my family out on the streets. 

I asked several times to make sure that I had correctly understood this too-good-to-be-true scenario. 

Instead, they charged me the initial {$100.00}, plus {$100.00} a month. Further, when I received the contract, it said that the monthly was {$100.00}, that the interest was 18 % and would go to 24 % after the first 10 months, and that they would n't report it to the credit bureau until it was paid in full. 

Going directly to the Florida Dept of Education, I 'm {$58.00} a month for 10 years. Interest charged is at 8 %. They do n't report anything except balance due to the credit bureau. 

Be careful with Performant Recovery and others like them. The situation was n't a misunderstanding ; it was downright deception.
The collector used harassing, abusive, mocking, threatening, dehumanizing language. He raised his voice, and treated me as sub-human. 


I got behind on my mortgage payments. When I was able to make my payment and add additional monies to the payment, US Bank would accept my payments monthly and would return my check. They stated they needed the amount in arears paid in full, they would not accept as they called, partial payments. My mortgage got farther and farther behind because US Bank would not accept any money from me at all. Who does that? Meanwhile my credit rating has totally been ruined. When I was able to pay the arears amount in full, US Bank gave me the dollar amount I owed. I sent the check only to find out on my next month 's payment that they would not accept it because they said they mis-figured the arears amount and said I owed an additional amount. That totally was and is not my fault. The next issue is I want to sell the house. US Bank gave me an appraisal amount, my realtor gave me an appraisal amount which they are close. Then US Bank sends another appraiser and the appraisal went up {$27000.00}!!! I was advised of this after I put my house on the market. This bank does not and will not work with their mortgage holders.
I explained this was not on the agreement. He stated he did not have room to add this to the letter he provided and threatened me by saying if I did not agree to the additional charge my deposit of {$1500.00} was going to be refunded and he was going to proceed with a garnishment, then hung-up the phone on me. Even after being very reluctant to use my personal credit card due to fear of this company 's bad practice and many bad review and fraud, I provided my bank information. 
I called my lawyer 's office explained the situation and informed my lawyer I was going to file a complaint against IQ Data International and I wanted to fight the charges that they keep adding to the balance. 


debt was discharged when home was foreclosed on over 8 years ago
I was given a confirmation number and sent a letter saying I made the payment. The letter indicated that the payment has been made and the funds were applied to the account. The letter was quite specific the funds had been paid and there were no qualifiers. 
Wells Fargo said they were unable to apply it due to incorrect accounting number but they had this number in file. 
Wells Fargo admits that they made no attempt to contact me that there was a problem with payment and they did not ever inform me that a payment had not been made. They admit that the only letter that was sent out stated that " payment was made and everything with the loan was fine ''. At end of month I was hit with a 30-day late on my credit report. 
The mistake in entering the incorrect routing number or account number and not notifying me of the account becoming delinquent by Wells Fargo, but instead notifying me that everything was fine with the payment, has caused me financial harm. A loan for the expansion of my business was declined solely because of the thirty-day delinquent status reported by Wells Fargo. 
So here I am with you asking for help in having these unwarranted hits to my credit removed from my report. Wells Fargo blamed you for having to do it.
I had a payment due for a line of credit from a furniture store, I had to pay off the balance before the end of a 6 month special financing. I mailed the check 15 days before the due date for the full remaining balance, now on my latest statement, it says the payment was late, almost 20 days after I mailed it. so now I am subject to a late fee, which will then cause there to be an outstanding balance, where they then will charge me the exorbitant amount in interest on my entire balance at time of purchase. I have made every payment on time or early and my balance would have been paid in full had they not intentionally sat on the check until it was late.
I have had to speak to Ocwen reps a few times and I did mail the Certificate of Liability Insurance to them but Ocwen is still harassing me, with Certified mail and they have not been reasonable.

All I ask is that I be able to continue to make my payments with no negative credit reporting. I was told twice in this process, that my credit would not suffer if I opted to not do the modification. I made the payments that were required of me, when the statements were sent, and I am asking that you help facilitate the common sense that has not been shown by OCWEN, in reporting that payments were on time and have not been late. If this is not resolved, if the CFPB can recommend some attorney 's that have an expertise in this feild I would greatly appreciate it. Any other recomendations are also appreciated.
I called the company to get verification of debt. Asked them to send to me in writing. They refused to, They told me that i disputed the debt, I told them i have never talked to them before so how is that even possible. They said once the debt has been disputed, i legally have to pay the debt for it to go away, and they legally do n't have to do anything. I asked them to remove the dispute comment, because i never disputed it. They refused and said federal law says they cant once its been disputed.







Thank you
I received a letter from Ocwen Loan Servicing , LLC stating that myaccount had been increased. I called to ask for an explanation andtold they could not really explain it..I asked for an escrow reevaluationand was told it would be done ... .I also asked my attorney to review the leletter from Ocwen to see if she understood it and she did not, sheforwarded a letter asking for an explanation..She suggested that Icall the customer service number provided by Ocwen and talk to myCustomer service rep.. I did that and he also had no idea how toresolve the issue. He suggested that I call the research departmentwho would then call the escrow department who would take about15 days to reply. They could not provide me with a phone number ormailing address for the research department. 
I really would like some assistance in resolving this issue. 

Please help me!
Mortgage servicing companies are necessary for processing payments, dealing with the escrows, ect. but since the consumer can not shop aroundand make the choice about who services their mortgage loan, the servicingcompanies should not be able to charge customers for making onetimepayments online.




I continue to make the contracted payment of {$1500.00} on-time each month. Nationstar claims I am over 49 days past due and have submitted my name to debt collections. 

In summary, I am seeking a return to no escrow and a {$1500.00} monthly payment as agreed upon in the contract.



I really feel that this is highly un-professional as I am willing to pay, but I have not options to do this in full. They did give me a suggestion to borrow from family ; however, you see I can not do that as my family is small and on limited income. They also asked me to get a loan to rectify the situation, but you see I have no collateral do do a loan and do not have the credit to do an unsecured loan, either. This really puts me in a bad spot and I was willing all along to make pymts. 

I feel this company is extremely unfair, unreasonable, and quite un-professional in how they conduct their daily operations.
Wells Fargo Dealership Services has not sent the credit bureau 's information saying that my loan with them has been paid off. I have been disputing late charges that they think I accrued to the amount of {$390.00}. I have paid the principle of my loan off and they are holding my title because they think I owe them Late Charges. On top of it they are telling the credit bureau 's that I still owe {$1.00} and now have been given a 30 day and a 60 day late charge on my credit. Is this legal? 
I do n't believe I owe the amount of Late Charges and I have called to negotiate but the people I keep talking to say they do not have the power to do so and will not let me talk to someone that has the power. I have paid my car off, I deserve my title, and my credit should not be affected by so called Late Charges they are accusing me off. 
Please look below the Description box and it says in bold, " The Total Payment Due includes Past Due Amount of {$0.00} and Late Charges Accrued of {$390.00} due immediately. I have no past due amount yet they are saying I owe a dollar at the top. My loan is paid off and they are ruining my credit to try and get me to pay them fees I do not believe are correct at all.




American Express - They reduced my credit limit without consent. I have not missed any payments or anything that would violate our agreement. Poor ethical practices and in violation of their own terms and conditions.




The SCUSA payment history ( example attached ) provided to customers is limited and confusing. The catchall notation " Misc. Fees '' makes it very easy for SCUSA to impose unwarranted fees and to seek money that it is not legally owed. The only identifiable fee in the payment history is the so-called {$10.00} " convenience fee '' I have been charged monthly for online processing to ensure ACH payments are timely applied, thus avoiding interest accrual. In other words, SCUSA charges {$11.00} for cashing my check. 



I have asked SCUSA for my automobile title and to confirm that the loan is paid in full, or a clear explanation for the inflated payoff amount. I fear they will provide neither and simply continue to send invoices for money I do not owe. 

I was wrongly charged for purchases I did not make. My credit card number was stolen and was used to make purchases in Utah.
It is my suspicion that this account has been re-aged, I am sure it is a mistake but I would like it resolved as soon as possible. This is the only negative item on my credit report and the debt does n't seem to have any validity.
Ocwen has been very hard to deal with. There is no communication between their different call centers. My home is at stake and I still have no clue who is managing my case. 

As per final order. 
1. Ocwen has not provided a SPOC2. Ocwen has not facilitated loan modification NPV values. 
3. Ocwen removed access to online e-submission portal4. Ocwen did not provide an independent reviewer. appeal is directed to ocwen. 
5. Ocwen did not provide NPV values on denial letter. 
6. Ocwen has very limited communication between its parties including law firm, law firm was called for contempt for missing and ignoring my communications as per judges orders. 
All I want is my modification approved and be able to keep my house for my family at a reasonable payment schedule. My hopes are on the ground in dealing with Ocwen.
I am in process of loan modification, and there has been Mortgage fraud in behalf of my Mortgage Bank, I have been trying To modify and Settle my Mortgage, however bank has been taking its time and not trying to help me, and now my house is scheduled for auction sale. My bank who is Wells Fargo bank.
When I ask what their calling about, they repeatedly ask for a : ref #. When I ask for their name and company and if it 's a debt collection agency. They get verbally abusive and refuse the information. When I ask for a manager or supervisor they refuse by telling me without aref # they will not and can not transfer the call. They call back to back leaving no messages on my phone and do out all day long. When I refuse any info they hang up on me.





The mortgage changed couple of hands since. 
I had not used this credit card for years. It was an emergency card.



I sent letter requesting that the debt be verified, that they were indeed engaged to collect the debt, etc. The only information that was sent to me were statements of the account. This provided absolutely no documentation that the firm was indeed authorized and engaged by the creditor to collect the debt. 


I sent letter requesting that the debt be verified, that they were indeed engaged to collect the debt, etc. The only information that was sent to me were statements of the account. This provided absolutely no documentation that the firm was indeed authorized and engaged by the creditor to collect the debt. 




The debt was paid in 2014 but continues to show as being owed on my credit report
Im trying to get my free credit report and i cant
The debt was paid but it has not been updated as paid on my credit report.
The account was paid but my credit report has not been updated.
In recently signed up for credit report info on credit Karma.com and noticed a collections account from a company called IQ International. I have never been contacted by this company in regards to this debt via email, postal mail or telephone. In addition, when I sought them out -calling them inquiring about this debt on my own accord to learn more information on it, the staff member was extremely rude and derogatory. I stated several times that I had never been notifed by her company about this supposed debt and as such I asked to speak to a Supervisor at this time ; the employee refused to transfer my call stating that until we work out a plan to settle the debt, she would not transfer the call. I listened to the alleged charges - when I asked to have a written copy sent to me as I was going to dispute them due to inaccuracy, she refused. I stated that this was unethical practice and would seek an attorney if necessary and she said that my account was " noted '' it would not be reduced, or ammended and must be paid in full and that she would not send out any documents to me so have my attorney call them,







I am asking for advice, assistance, references to help me in any way. Thank you for your time, listening to my story and I look forward to hearing back from someone soon.


I have denied owing money to them for years and have told them repeatedly to stop calling me and my family, friends, and place of employment. 


I obtained a loan modification from Ocwen. My statement shows that Ocwen took {$1700.00} from my escrow account as a Loan Modification Balance Adjustment. It is my understanding that only taxes and insurance are to be taken from my escrow account. Those payments were also taken out.
As a national consumer credit reporting agency we collect and store information from credit grantors and information available in public records following the guideline in the Fair Credit Reporting Act. 

I am trying to refinance my home. 
Equifax will not provide restore. 
Equifax wants it removed or explained! Bank says there isNo need because it does effect my score. 
If I lose financing Who will help me for Equifax nonsenseRequests?


I have denied owing money to them for years and have told them repeatedly to stop calling me and my family, friends, and place of employment. 


JPMorgan Chase Bank , N.A . closed my credit card and deposit accounts without any explanation.
This collection agency got my medical information and should n't have. I signed statements on this account they have on file that the account was n't mine. 
They have continuously called various relatives and non relatives telling them that I am going to be held in contempt of court for not contacting them about the disputed bills. Just today, they called my aging mother, my son, and my ex-husband 's wife (? ) saying that I was going to get arrested if I did n't get in contact with them immediately. I spent my entire lunch hour assuring the people that I love that nothing was going to happen to me. 


I have denied owing money to them for years and have told them repeatedly to stop calling me and my family, friends, and place of employment. 

I feel that they were given my medical information in error. No collection agency should have been given my medical financial information. 

This company has filed an account on my credit report, even though I disputed this account, yet it stayed on my record and they continue to harass me every day.
During the past year leading up the new year of 2015, I have sent several correspondence to Equifax, disputing derogatory information that has appeared on my credit reports. I have been accomodated by the other bureaus ( Transunion, Experian ) to be able to dispute items online, receive reports, etc. Equifax has not provided such accomodation. I tried to file an online dispute to remove a negative item only to be told I could not based on the information I provided.
I am a single parent, raising muy kids, and caring for my aging and sick parents. I CA NOT AFFORD TO BE THROWN OUT OF THIS HOME. MY CHILDREN, PARENTS, AND MYSELF WILL BE HOMELESS IF THE FORECLOSURE HAPPENS. 

I AM HOPELESSLY APPEALING TO YOUR AGENCY TO PLEASE COME TO MY RESCUE. I DO N'T KNOW WHERE TO RAISE {$17000.00} FROM IN 5 DAYS. 
My father is too sick to be moved anywhere and he could depart this woorld any day now. 
Please help me. 
I currently have managed to raise {$5000.00}. and if your agency can do anything to stop the foreclosure, I will do all I can to get my mortgage current in less than 4 months. 

PLEASE HELP ME ASAP. I AM DESPERATE AND HAVE NO RECOURSE, SINCE THE MORTGAGE COMPANY, SLS LOAN SERVICING HAS REFUSED TO WORK WITH ME.
We have supporting documents for each of the steps mentioned in this complaint and request that Flagstar 's violations and illegal acts be severely punished.
Payed off the balance due in full on a Walmart credit card by electronic transfer of funds from our checking bank account. Walmart took the payment and credited the credit card account for the amount but will not make the line of credit available again. They have said it is their policy in the event of large payments ( which this one was ) to wait to make the credit available again until there is no chance we will cancel our electronic transfer of funds from our checking account.

I received a phone call from Macy 's yesterday, saying my account payment did not go through and now the payment is late, late charges, interest and returned check fees adding to over {$200.00}. 

I was devastated! They did refund the late fee and interest fee but would not remove the returned check fee because it was an error on my part. Clearly, I was trying to maintain my account by paying early. Why could n't they call me sooner? 

I paid the balance of {$58.00} and {$130.00} in returned fees over the phone and vow to never shop at Macy 's again! 

This is a disgrace! 




2. Is This type of business conduct " Bank Bullying '' non-members are being strong armed/forced into opening an account with their bank requiring an minimum deposit or else face a fee. This state needs is tighter control, consistency and continuity across Alabama Banks. This type of fee is unreasonable and unfair.
They refused.





They refused.
Then I started getting calls from a collection agency and subsequently an attorney began calling to collect on the wells fargo account. The attorney filed a judgment and then levied my bank account. 
When I pulled my credit I saw that wells Fargo had charged off my collection. But the attorney 's still wants to collect. 
I do n't understand about these legal issues however I can see that the attorney is trying to collect money that is not owed to them. 
I am in desperate need of your assistance. 

I has a credit card through wells Fargo and I maintained payments until wells Fargo raised the interest rates from 6 to 19 % to no fault of my own. The bank did not want to lower the interest rate. At that time my work slow down and I could no longer made payments. 
Then I started getting calls from a collection agency and subsequently an attorney began calling to collect on the wells fargo account. The attorney filed a judgment and then levied my bank account. 
When I pulled my credit I saw that wells Fargo had charged off my collection. But the attorney 's still wants to collect. 
I do n't understand about these legal issues however I can see that the attorney is trying to collect money that is not owed to them. 
I am in desperate need of your assistance. 

The loan company, Navient, is lying about their Internship/Fellowship Deferment program. They did not want to accept my deferment paper because their lack of understanding on how my internship deals with my career. Frankly, it seems like they do not want to accept my deferment because they are money-hungry. However, this internship helps me get the type of job I need in order to pay them back. Navient does not want to give a clear-cut reason on why they do not want to accept my internship deferment.
Please help, I 'm willing to provide all the documentation needed.
Revenue Group keeps calling me on a bill that I am making payment to. 
*Revenue Group stated that I have the money and should pull from my other means. 
*They also stated because I have a house, husband, cars and a job that I should make bigger payments and not act like I 'm in hardship. I am NOT sorry for doing the right things in life.
Contacted my place of business. They called our main line so they were aware it was business number and even when told it was a business by our secretary proceeded to tell her it was a personal matter that they wanted to discuss with me.





COMMENTARY Such unfair bank practices should become unlawful. Practices which allow banks to escape accountability to its customers ; to proffer false answers frequently, or set up 'electronic traps '' for us to fall into, should become unlawful. A way to pave a path for a a bank to levy undeserved fees, which may go unnoticed, only to encounter some knowing apology " on cue '' ( yet no refund ) should become unlawful. No customer who pays regular on-time payments should suffer a loss simply because banks have " more buttons than we do "!! 

I am not arguing that I do n't owe the money and I plan on paying it when I have it but this man is haunting me!! 

Called my son and threatened him that a lawyer was looking for me. 

Calls my office and does not announce that it is personal information. 

Uses different names, different company names and different numbers to identify himself.
Greentree mortgage never offered a pre-loss mitigation trial. They just took me directly to foreclosure. Refused to negotiate with my attorney who quit on with-out my knowledge. They refused to remove forced place insurance even after i provided proof.
Please excluded from complaint. 





Please help me clear up all these credit cards she has committed fraud by using my social security and signing my name and do what you can to prosecute her to the fullest extent of the law.. 
Also she is on probation which should make fraud immediate. Below is her probation office number and name. 



This over payment is extremely burdensome on my family.
Since it is unlawful under the Fair Credit Reporting Act for a person to view a consumer report without a 'permissible purpose ' I am writing this letter. 
I do n't recall applying for credit or several COMPANY'SYou state it yourself on my report. Unspecified I did include some definition of Unspecified. I did not authorize to run my creditFrom the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] '' ( : D Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ''
Monthly mortgage payment was increased by {$17.00} so called United Security Financial to ensure they got the difference. Representative said she could take the payment over the phone and would waive the {$9.00} fee. ( yes 9 dollars ). Contacted USF several times in the past 2 months on this issue and still not refunded.
I was recently denied for the HAMP program and according to my income the payments are not affordable. the denial letter did not give me that reason. i can not afford my payments at the present time although i keep trying and wind up paying late. my value of my home keeps dropping drastically.
This is a clear case of unverified debt here, and I requested Equifax to remove this item from my credit report. They have refuse to do this. Equifax is the ONLY credit bureau who is reporting this negative information that is causing me to be depress and keeping me from purchasing a much needed car to get me to work and school.
Please help me clear up all these credit cards she has committed fraud by using my social security and signing my name and do what you can to prosecute her to the fullest extent of the law.. 
Also she is on probation which should make fraud immediate. Below is her probation office number and name. 



I tried to login and get my free credit report and got the run around. 
Experian Denied me access. Said I already recieved one which is wrong. See attached file. 
Everything points to them trying to boost earning on my back. 
I obtained a report in 2012 but not now. 
I am very unhappy with them and believe they should be shut down.


Performance Recovery levy my payroll. I wrote them a letter indicating that i do not owe them any money, nevertheless, requested that they submit to me signed copy of the contract, cancelled checks, and any other documents that might indicate that Iinitiated this loan. As indicated to them the federal law suggests that they should respond back to me within 30 days. They did not respond back, instead, a new levy was sent to my employer to continue the levy. this is causing a financial burden. My employer indicated that they do not know there is a federa law that protect the consumer. 


Be advised that I am not requesting a " verification '' that you have my mailing address, I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Provide me with factual evidence that I have any legal obligation to pay you. 
Please provide me with the following ; *What the money you say I owe is far*Provide me with copies of any judgment if applicable*Explain and show me how you calculated what you say I owe*Identify the original creditor*Prove the status of limitation have not expired on the account*Show me that you are licensed to collect in my state ; and*Provide me with your license numbers and Registered Agent. 
A physician has billed us for services we did not authorize and after non payment they have sent this to collections -- when we request verification by collection agency we are sent the bill. We have informed the credit agency that the bill is unpaid because we did not authorize the service. They then referred us to the physician whom we also requested verification of our authorization and none is provided.
Thank You. 




An act to amend the Federal deposit insurance act to require insured banks to maintain certain records, to require that certain transactions in USA. 


Hello, I would like to report American Express for breaking a Reg Z violation as they charged my credit card {$190.00} annual fee, while I was only given a credit line of {$1100.00}. 

They charged me 17 % of my initial credit line, where the regulation states I can only be charged annual fees up to 15 % of my credit line. 

In addition, I am going to assume they would probably fail the 25 % fee cap policy as well, which states that customers are not allowed to be charged fees and minimum interest charges & gt ; 25 % of the credit line. 

Thanks!

I and my sister are beneficiaries of an IRA owned by my father who passed away. I have submitted the proper paperwork to UBS Financial and they acknowledge receipt. They are witholding the funds because they state that they will not make distribution until they have all of the paperwork from the other beneficiary. I do not believe that there is a legal basis for witholding the money due me but they have been giving me the runaround. Of course this costs me money while they hold onto it as long as they can get away with it. They are a big organization and shuffle me around to anonymous people so I hope that you can help me break through to them.
I recently received a credit report prior to applying for an apartment. 

Thank you.
I intended to sign up for a bank account with M & T Bank and all online materials indicated that all I needed to do was make a deposit from my debit card from another account. Once I did this, I was informed that they needed much more information. I asked to be refunded the money. They refused and replied that they could not release the funds without account verification. I replied that I did not want an account and they had no trouble taking my money therefore it should not be any trouble to return it to the card from which it was deposited. They will not give me my money back and are not assessing service charges monthly to systematically steal my money. My money is being held hostage by them. They took my money under false pretenses and now refuse to return it.


I am concerned about this company.
The credit reporting agencies are incorrectly reporting my current account status as 60-120 days past due. I paid the accounts and have a zero balance. I want the credit agencies to report the current status correctly as " Paid as Agreed ''.
Concerned the loan ( SPOTLOAN ) may have been illegal for the state I live in at the time it was approved. It appears the company is no longer doing loans for state of GA. Money was deducted from my account every payperiod. When my bank account was suggested to be closed due to fraud against it, I contact the company and was advised I could now make my payment by debit card. Called to make my payment, and system was down. Was told I would not be penalized when calling back to make payment. I called to make my final payment and was advised my account was marked as collection. Payment was charged for interest due to company not being able to accept payment on due date




When they re-foreclosed they did not do so in the name of the grantee on the initial foreclosure deed. 
The following explanation makes it defective. 



Bank of America has continued to contact me on my mobile phone even after explicitly denying consent and after repeated requests for them not to contact me via cell phone. BOA has contacted nearly daily for the last three months while for large part of time my account was current. When I ask BOA about this they say that the calls must be in error, however, I continue to receive them and I 'm feeling harassed.

Harrassing phone calls, during the times I specifically asked them not to call. Every time we speak I let them know I am unavailable at certain times, and it negatively affects my current job position. However, I still receive multiple calls, back-to-back, during the times i am unavailable.





Attached is the letter I received today. I also do n't why such a letter would state to any consumer the following : " Be advised that we may need to ask you for additional verifying information to process your request. '' Are they saying to consumers who believe they are victims of identity theft that an affidavit and a police complaint is not enough? Why? I now believe I am not a victim of identity theft, but that Fifth Third officials -- at the request of a 3rd party -- created bogus documents.
4. Chase was pulling from the escrow account every month to pay for insurance, mortgage insurance, and taxes. 
6. We received a letter of deficiency in our escrow account. 
8. We were allowed to pay the deficiency, but our mortgage payment still increased. 
I was written a check by a member of Chase bank. I went to Chase to cash the check and was told there would be a {$6.00} processing fee to cash the check as I was not a customer of theirs. Why would it matter if I am their customer? I 'm holding a promissory note on their paper from one of their customers who obviously is using that bank to store their money. They ca n't even be concerned about cashing a check with insufficient funds, as obviously they can check the account to see if the funds are available. I simply do n't see the logic behind this new fee other than to try to get more money out of the average person. And why would I want to open an account with a bank that wants to charge me money to cash their own checks? How does that make good business sense?

I believe that this company uses frustration and filing false credit information as tactics to secure payment from people for amounts that may not even exist. They rely on the fact that it is just easier to pay than risk being reported to a credit bureau. I have spent many hours on the the phone trying to find out about this debt. ( mostly on hold ) It is simply not ok that predators like this are allowed to bully people into paying amounts that they do not owe. It truly amounts to extortion. 


( I have several other files I can submit )
Demand was made for all records electronic or otherwise, assignment of ours mortgage, promissory note or servicing rights to our mortgage including any such assignment on MERS. 
All deeds in lieu, modification to our mortgage, promissory note or deed of trust from the inception of our loan to the present date. 
Thought charge was fraudulent turned out it was n't. Bank charged back merchants account. I paid merchant again w different card. Reported charge good. They charged card again. Said would refund card in two weeks. Never did. Dragged out dispute. Finally asked for documentation that paid with another card.Sent to them. They now say it came after time in which case was open. Closed case, wo n't refund money even though its legitimately mine.



Please make this stop!
Trans Union is blocking my credit report, i have contacted them repeatedly and they refuse to fix that, all they do is transfer me to another representative. i have been calling for over more than a month, so I they 've had plenty of time to contact me. No matter how many times I call they do the same.
I met a friend of my friend apparently he works at Wells Fargo. I did n't know they could open up accounts with just your nAme and phone number .... Now I have am account open which I did n't authorize
I am unable to get my free annual credit report from Equifax


Link : https : //www.bankofamerica.com/deposits/resources/personal-schedule-fees.go? request_locale=en-usInitially i was not told about this when account was opened. Later i was told during a chat coversation with Bank agent. After going through the link provided in the bank website, I was under assumption that transfers between linked Savings and Checking accounts shall not count towards the withdrawal limit set for Regular savings account. 

Since the wordings were misleading and not so clear, i want the charge to be returned. 


So Bank should also include the alerting system for such transactions. 

Please resolve the issue and make the arrangement for {$18.00} refund.






I disputed a medical bill with Transunion and I did not receive any information within 30 days. I was informed that if they did not contact me within the 30 days, then the debt should automatically be disputed. I then called Transition and they need told me that they did not send me any mail and that they then would. It has been past the initial 30 days and I feel as if they were never going to email me, until I called. The man also had me verify my identity several times, which I had no issues giving the information, and had trouble even finding my account or the initial dispute, until I provided him with the information. I feel as though I should not have to pay the bill that I had disputed because they never sent it to my insurance. I also should not have to pay more than {$500.00} out of pocket, which the bill is more than that. Overall, the initial dispute has been past the 30 day window where they should have reached back to me and should be disputed from my account.
I attempted to pay off my student loan with Sallie Mae. During this process I used the system to view the current balance/payoff amount of my loan and checked that option on the payment form. I specifically chose this option and not Last Statement Balance since the statement balance may have possibly been not current. After submitting the proper amount for the current balance/payoff amount the institution billed me for additional expenses. There was no disclaimer or information shared with me that they would process any additional charges and since I selected to pay off the loan it, to my knowledge, payed off the full loan.

My son has stopped paying this loan and now since I am the cosigner of the loan I have to pay for the loan, what can I do?
6. ) Does this stop stop the foreclosure process until this matter can get resolved and or the financing can get put in place and remove them? 
I deposited a check from my roommate into my account because I paid the move in cost for us to move into our new apartment. His check returned, the bank never release the money which is a good thing and I got accessed a returned check fee, which I do n't mind paying. The bank has now restricted my account and is scheduling it for closure. This is unfair to me as I need this account.
customer service associate was horribly rude.
The actual amount, that were paid, the actual amount of the bill, etc.
may car got repo and it was in good driving conditions. I told them to come get the car because I could n't afford the note due to my divorce. but I never heard from this company again after they came and got my car. i 'm sure the sold the car more than its worth but they still holding me accountable for the car. and I want them to take this off my credit report.
you can not get your statements on line of what you have paid whom
The Credit management company has never responded to my letter and did not provide any proof to validate the excess amount {$120.00} which they want to collect from me. 
Please feel free to contact me if you need any further information to dispute this account and remove from my credit file. I would appreciate if you remove this dispute account from my credit file. 

Thank you
This number keeps calling me but never leave any messages on who they are or what the call is about.


Hello, This Complaint is in reference to NationStar Mortgage in Texas and Aurora Loans { bought by NationStar }. 
I believe this is Legally and Morally unfair to me and my new Family as I can not provide for them any type of Home, due to a mortgage that is sitting on my Credit Reports at 97 %, and again a property I do not own according to the County Reporters office, but only on NationStar Mortgage 's books. I have made multiple attemps this year with NationStar Mortgage, with Phone Calls and Emails, but unable to speak to a True Manager there. 
This situation is Fincially hopeless, unless my name is Removed from NationStar 's mortgage. I can then move on with my Life Financially for my new Family.
I have a loan that is being serviced by ocwen loan sevicing. I have made all my payments on time. My loan to value ratio is about 65 %. I have made many written requests and verbal requests to ocwen to start the process of canceling my mortgage insurance. I have received the run around by there customer service and have gotton nowhere. They have no contact information and are not willing to help me when I am the customer. It feels like a scam they are pulling on homeowners. Please help

I have sent numerous Qualified Written Requests to Bank of America on behalf of a client of mine. They have never acknowledged receipt of the letters, nor provided the information I requested. I have sent these letters to the correct address : Bank of America , N.A . 

I AM NOT ACCEPTING THEIR ATTACHED REVIEW THAT WAS PERFORMED IN A THIRD WORLD COUNTRY AND WILL ONLY ACCEPT THE MODIFICATION UPON ACCEPTABLE TERMS OF THE HAMP AT 31 % OF MY INCOME. OCWEN DOES NOT DESERVE ANYTHING MORE THAN 31 %
My previous place of residence never notified me of an outstanding balance I had with them by phone, mail or in person. When I moved out and turned my keys in to my landlord he told me everything was taken care of and never once did he mention anything about still owing the apartment {$400.00}. I was n't aware of any outstanding balance with my previous landlord until 6 months after I moved out when I received a letter in the mail from a collections agency telling me they were processing this account to be placed on my credit history. I tried contacting the apartment manager to discuss what this {$400.00} fe was for and was unable to reach him. I still do n't know why I owe this amount and never did i recieve my deposit back either. If I am unaware that I owe any amount of money and never notified what the fee was for how can I pay it before it goes to collections and ruins my credit preventing me from renting or finding residence anywhere else.

Also have other issues which can then submit, and may consider a full and entire filing of entire banking experiences.
I no longer have trust in Bank of America. It is now two months later, I have been given so much misinformation and they will not return over 6K worth of checks to me, as their policy states. I understand that they will not honor third party checks, however, return the legal copies ( or original copy ) to me and allow me to have another bank honor them. I need some assistance in getting these checks back to me. 
I have a payment plan with Rausch, Sturm, Israel, Emerson & Hornik Llc. 
By law I requested a letter with the information of how many payments I have left. I requested for that letter alnostv2 weeks ago and I never got it. 
He asked me for the same information the other guy asked and promised me to send me an email with the info I requested but he never sent me the email and by law if I requested the info bout how many payments left I have they have to provide it but they never did.
I authorized Old Navy to open a new Old Navy store credit account due to the discount associated with this. The Sales associate proceeded to initiate the process, never disclosing that the credit account in question was a Old Navy Visa card. My permission to open a Visa credit card account was never requested nor provided, I only provided permission to open an Old Navy store credit account. Despite this, I received a new Old Navy Visa card in the mail a week later.

I have received several phone calls each containing harassment from " representatives '' and individuals claiming to be affiliated with Credit World Services , Inc. despite formal written request that all communications be in writing. 

The alleged amount owed as claimed by Credit World Services , Inc. has varied by a significant margin. 

They are not sending me my monthly mortgage statements and I do not have access to them online as they locked out my and many other accounts. I have not seen my monthly mortgage statement in months and have send emails requesting this and no one has gotten back to me. This is a big violation. 
So no mortgage statement, no confirmation of payments and fees being charged for making payments within the grace period

I 've now giver her three days to return the money back into my account if somehow taking the money was a system mistake. She is aware of my circumstances and the purpose for that money because I had made it clear in our phone conversation. She obviously is abstaining from returning the money in conscious disregard to my higher need to pay rent. Unbelievable, especially on top of her knowingly lying to me about being 30 days past due to induce my action. Fraud.
When I initially called Alliance they stated I had no bill to pay. 

I have been attempting to close on a rate refinance with Chase Bank for over 3 months now. Their underwriting is AWFUL as I have to repeatedly supply them with the same information. It is almost like they hire people for as little pay as possible and then are surprised when their underwriters are idiots. The worst part about this is, CHASE HOLDS MY PRESENT MORTGAGE I AM ATTEMPTING TO REFINANCE!!! I have never seen this level of incompetance and I work in the mortgage servicing industry.


So after months of disputes over not paying -- because who is going pay and drive a car that is unsafe, I turned car in to dealer. I have filed complaints about this. I was told that nothing negative would be reported about me to credit bureau. Haha more lies. 

I have been trying to get a loan modification from Seterus and they have done nothing but give me the runaround. There have been outright lies and deception on Seterus ' part and I feel CFPB should be made aware of their deceptive, unfair, abusive and misleading mortgage servicing practices.

When we followed up with the bank today, they said it was the wrong paper work, and it was sent to the wrong department. Moreover, they are now claiming that there are no options available to short sell our home. The servicer should at least honor their written and spoken word and allow us to short sale the property.

I have a complaint against Wells Fargo Bank. 



The bank is practicing lack of compassion and poor judgement in this punitive act. 

Please have Wells Fargo refund the {$140.00} to me. Thank you. 


I also need help with getting a 6 month stay under the new federal law on medical bill and negative credit reporting or usage.


In addition, Avant Credit has listed on my credit report that I am in collections, which is not true. I have asked them to remove their collection account and they have not yet complied. Furthermore, I want this listing removed. 

I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices.




Thank you for your attention and any help you can give me to stop well 's Fargo and ASC Mortgages to rob me the money from my monthly payments. 




AttachmentYour escrow account has more funds than necessary, so we 're mailing you a refundLook for your escrow statement and refund check in the mailDear : As part of the escrow service we provide with your mortgage, we collect funds from you each month to cover the cost of your real estate taxes and/or property insurance. We hold the money and make the payments on your behalf when they 're due. 

I receive repeated phone calls from Portfolio Recovery to my cell phone number while I am driving and I believe they are calling other family members and hanging up. I have even receive text messages from them.
My military star card was paid off in a bankruptcy. The company has ignored my request to update the status of the account as " current in accordance with bankruptcy ''.
I contacted Wells Fargo and they told me i would have to wait 3-5 days. My concern is that there is n't going to be any further communication from the merchant since it is an incomplete transaction. In previous dealings I have seen ligitiment transactions sit for weeks and they have blamed the merchant. Regardless of when or if it clears they should not be able to let transactions sit like that. 
Additional note ... I have been taking screen shots of that transaction daily. Everyday it is in pending the date changes which makes it appear as if it has been there for 1 day. This is deceptive.
o We both take many medications and I can no longer work so I can no longer make payments. 
o We are constantly being harassed by Port Folio Recovery both on my Home Phone and my Cell Phone I have repeatedly asked them to stop calling as we will never have any funds to make additional payments on this account. 
This debt collector keeps on trying to call my father even though they have my number
This debt collector keeps on trying to call my father even though they have my number

This is a Fannie Mae loan and I have been telling everyone all along and especially over the last two weeks that we MUST HAVE THE FILE TO TITLE 48 HOURS BEFORE CLOSING. 


Hope this helps someone. 
They are calling my parents threatening them with collection of my " unsettled '' debt, and faxed my place of work. They never tried to contact me. This debt has been settled. It was settled in 2009.
My husband received a call that we have been turned over to a collection agency for a medical debt that occurred in 2013. He asked for a statement and told the collection agency that we would be happy to pay as long as we received a statement to verify the debt. He was told they did not have to provide a statement and this would be reported on his credit report. I in turn called them and attempted to have them send me a copy of the debt we reportedly owed but they refused. I have not received any written communication from the collector only a phone call.

I recently applied for a refinance to my mortgage through Quicken Loans. I had asked about their product where they claim to pay your PMI for you. This would really save us some money each month. After working with their agent, I was told that I did not qualify because I do not have enough equity in my current home. I understand this even though my wife and I have an impeccable record and credit scores. The problem that I have is that if I do not qualify, why do I continue to get email notifications urging me to apply for refinances through them? I constantly receive email notifications from Quicken Loans telling me to apply and asking 'What 's holding me back. ' The emails even allow for a link to apply within them. I wanted to apply for the right product for me, which they said I could not get at this time. Now I receive notifications that I should keep applying. I just want to move forward with the product I want.


I want to be able to go back to school and finish my degree, but I am not able to due to so with this genesis loan. The lender is not people friendly and they seem to not want to help with paying back loans ; they are rude when you call and state that they are unable to take less than {$200.00} a month in payments. This is outrageous for a single mother that works full time.
o For the last several years we had this account we paid {$200.00} to {$250.00} dollars each month and regardless of many calls Home Depot refused to apply any part of the payment to the principle. 

What I was trying to say was that management had told me to call the police on my neighbor without any good reason. They wanted me to help illegally evict my neighbor. They told me he was dangerous and told me to " be safe. '' It precipitated psychosis. They never returned my phone calls or tried to resolve the matter after several attempts I made trying to contact them. They just turned everything over to a debt collector without trying to work things out. I did everything I could to take care of the matter, but they told me to call the police and that was manipulative and wrong. It made me mentally unstable and unable to continue living there. I had to go into the hospital and was unable to return to the apartment.
and then that account joint with my husband. But my husband same account is closed but my own is still open. 

Anyway, I never has a notice from collection agency before they report on my credit report.

I accessed my credit report and found a mortgage loan that I have been included as a Co-buyer. Loan was obtained by a family member who used my identity without my consent. Account is reported as a repossession on my credit report. Account is not my responsiblity

I appealed the decline of the loan modification within 30 days. Select Portfolio Servicing is not honoring the 30 day appeal process which is illegal per the Homeowner Bill of Rights Act. The underwriters have miscalculated my income and overvalued my home by over {$200000.00} in the original decline, now they are stripping me of my right to appeal. I have proof that I sent my appeal in by email per their instructions within the 30 day period. 


Please have SPS cease the foreclosure process per the Homeowner Bill of Rights and proceed with the appeal process.
SirI was forced to accept a chashiers check in lieu of cash from Wells FargoThe check was lost, I had a stop payment placed on it and requested a replacement. 
Wellsfargo refuses to put anything in writing, or provide me copies of the Cashiers Check. 
I believe if they insist on stealing my monies, they should at least have to put it in a escrow account so I know where my money is. 
I was never advised of any terms or conditions on replacing this Chashiers check when it was forced on me. 
Since this dispute Wellsfargo has put My debit card on Fraud list and stoped me from using it over and over and over. 
Im very upset, this bank is bullying me. 

The law offices keep contacting me for another person. I have told them repeatedly that I am the holder and owner of this phone and to not contact me or this person on my telephone. They have ignored this request and continued to contact me. 

I have a car loan with consumer portfolioand my loan has not went no where. I have had the vehicle for almost 3 years now and they have been charging me alot of late fees. I have had different car loans in the past and they give you a 30 day grace period to pay your loan. When I got with this company I was not told about this. I really feel they are ripping me off and I do not want to be under them. I understand I have been late but its how my payday falls and they been calling my job harrasing and everything. I know they are ripping me off
Threatening to contact my place of employment to garnish my wages without a court order. Telling me I 'm dumb and should just pay them. Continual calls daily.
The action I have taken : Called the Citibank service center and asked to discuss my bill with the representative, who claimed she could not see the account since it was closed. She told me she would send the statements and I should try to figure out what happened. Really? 
Month later, received statements and discovered the aforementioned information so I called the Citibank service center again to discuss the issue. I was told this time that I would have to write a letter to the CBR Dispute Dept. of Citibank. 
Wrote letter to CBR Dispute Dept. outlining the details and asking for a representative to contact me with a resolution. They have not contacted me after sending additional faxes requesting any type of contact at all. 
After a month of no contact I emailed a letter to the CEO of Shell and the CEO of Citibank detailing the issue and begging for a representative from either company to contact me. 



I want them to honor their agreement, deduct my account on the date specified in the mortgage agreement, and credit my account with principal pay down. 

They call to remind me that my payment is late every month.
This alleged debt was previously reported and disputed with another collection company and subsequently removed from my credit report. This company has sent no notice to me that they have the debt or of my rights to dispute. They simply re-aged it and put it on my credit report as a new collection. I only became aware when my credit monitoring service alerted me of the new listing.

What can I do to stay in my home?
I am more than willing to pay the balance. But I will not put up with harassing phone calls. 
thank You for your time and consideration
BancorpSouth charged a debit to my account that I did not authorize. I was charged a {$36.00} Insufficient fund fee from BancorpSouth for this.
The mortagage company has prolonged the loan modification process for over a year claiming i did not submit information on time and denied modification based on those claims. In addition, the mortgagor has changed representatives multiple times in which they are unfamiliar with my case and do not help in a timely manner.
I do not want this type of incompetent actions by this large institutions to go un-noticed as we the customers are paying for their services.

We made a electronic bill pay through our bank that was incorrect and subsequently overpaid the amount due. When we advised VW Credit of the problem they REFUSED to return our money. Even after being assured by our bank that the funds had cleared, VW refused to return the overpayment. VW can not be trusted. Still have not been repaid for the over payment.
Thanks
Halstead Financial Services has been calling me on and off for 2 years trying to collect a medical debt from a hospital i have never been to. When I request a bill they say they have sent bills and I have not responded. They state they will list me as a refusal and hang up on me.
I dispute the validity of this debt. 
I do not believe I owe this debt for the following reason : The debt is too old and may be time barred. There has been no activity on this debt since 2007. 
I request written verification of this debt in the following form:1. I request the date of the last payment made on this debt. 
2. I request any and all information pertaining to this debt including date of agreement. 
Until such verification is received you may not contact me in any form.
Penn Credit Collection called my job requesting payment on a bill I do not even owe. The company keeps changing their number and calls my job and cell phone constantly. I do not owe the debt they are trying to collect.

I had a debit card of Peoples Bank to use their ATM machine to obtain cash. 
I then found out at the local branch, Peoples had sent me a credit card instead of a debit card. 
I think I should not have to send Peoples {$20.00} because of their mistake. 
After a few hours on the phone a service person did refund the {$10.00} of the first transaction. 
Also I wonder how many other customer had to pay the same for the banks DUMB mistake?
I was scammed by another Bank of America client through wire transfer, however, failed to file police report due to insufficient information about scammer. I told BOA my situation to cooperate with police, however, I was told there is nothing they can do, refused to release any information, and would not start any investigation internally.
I want the unauthorized request removed from my file.
This auto finance agreement was paid in full over 15 years and I would like the content removed from my credit report.
I applied for a refinance loan with AmeriSave Mortgage. The appraisal came in to low which would have resulted in the need to close my HELOC. I cancelled the loan. AmeriSave has n't refunded the appraisal fee yet.
account belongs to son with same name different ssn and date of birth
I over paid my Chase credit card via bill pay by {$3600.00}. They tell me it will take 10 business days to refund my money. That 's absolutely absurd. One has the feeling that Chase purposely delays repayment in order to gain financial advantage for the bank. When you multiply all the accidental over payments, it 's a significant amount of money. It takes two days for my electronic bill pays to be received, yet it takes Chase 2 weeks to refund my money?
M & T bank put a hold on a bank to bank transfer for {$9000.00} and are holding my money in limbo for almost three weeks. I have call to release the funds or transfer back. No response from them on calls and messages. No explaination. They sent me a form again with no explaination. I need funds.
Pennymac has dropped the ball in this case and is causing our home to become ruined with water, mold and rot. We want pennymac to fix the roof and all other damaged components to the home due to their neglect and willful withholding of insurance funds for repairs. We want pennymac to be fined for violation of section 6 of RESPA concerning timely payments of escrow accounts.We want pennymac to pay punitive damages for the stress, hardship and trouble they have visited upon us. We want compensation for pain and suffering. If the mold and nastiness caused by our leaky roof causes any sickness to our family, we ask pennymac be responsible for all hospital and loss of work due to illness. Pennymac should be penalized compensatory damages for their egregious conduct.
Ocwen is not reporting my payments on my credit report correctly.


Any help would be appreciated.
Synchrony Bank is now reporting to multiple consumer credit reporting agencies in violation of Section 607 ( b ) of the Fair Credit Reporting Act. 
I sent a written a communication to this collection agency. The letter was returned through postage stating address unable to find. No ability to dispute claim given.
The billing problem originally occured because the lab I was scene at did n't validate my address or my insurance info. I went to collections without ever receiving a bill or phone call. Once in collections, I requested the original biller 's address and my account number and sent a photocopy of my insurance card so they could bill the correct insurance. 
AMC left me alone for several months while we waited for this to resolve the issue. Apparently my letter was ignored because I received more calls recently ( again, during my working hours despite the notes I asked put on my account ). 
I have this debt on my credit report from an apartment complex. I believe the apartment management team wrongfully inflated the closing costs when I had an emergency and had to move. They have not sent me proper documentation to dispute the debt. They also kept my security deposit and pet fees.
Jefferson Capital Systems is attempting to collect on a debt that is illegal to collect on due to the Statue of Limitations in the state of Minnesota and Ohio.
Hello I had a bank account with Bank Of America, the account was changed to an online E account after spekaing with an agent there and explaining my financial situation, it was decided it 'd be decidingly the best approach to avoid fees. 

Upon making the desired change the agent told me flat out that the account would n't be subject to closure for as long as I did n't make any such requestNow upon a conversation with BOA client solutions as well as their Account re-activation team the account was closed because it went dormant, well that 's not a surprise but I told the agent who made my account change that I may have no choice but to not sue my account for a long time while I pay down my debtload, and that 's why he suggested the E-Service Bank account. 

The fault here lies with Bank Of America for failure to notify me as the status of my account status, even my online account still works. 
The account now that I had with them is no longer being offered by the bank and that 's fine I do n't mind switching to their Core cheqing account. 


Thank you.
Thank you for your cooperation and understanding.
Thank you for your cooperation and understanding.
I received a written message ( attached ) from a manager, which basically stated that even though I paid the balance in full, there was still interest accruing somewhere, somehow. Apparently a calculation the general consumer can not understand, as it makes NO sense to me. I have paid off many credit cards in the past several years and I have NEVER seen this practice, and feel that Discover Card is taking advantage of the general consumer. 
I would never recommend anyone sign up for a Discover Card!


I filed a complaint with the CFPB last year and was able to get some help and Experian reconsidered and refunded my money in full. 


I called today to Experian to have these charges refunded and they told me I would have to dispute them with my credit card and they do n't know how they got on there. 

I would like to charge Experian with conspiring to defraud consumers. There is a systematic convenient failure of their system which favorably increases their revenue. 

I am looking for a refund, but more importantly and complete investigation of their business practices as I can only imagine how many other unsuspecting folks are also victims of this abuse. 

I sincerely hope that the regulator that reads this plea for consumer protection is not pencil whipped, but that a complete investigation is opened to investigate these claims as I believe it has absolute merit. 

I am receiving demands to pay a debt to a collections agency from a For-Profit College. I have student loans that should have covered this cost. I do not understand why this debt is on my credit record. I am not disputing my student loan claims. Why do I have this extra cost?

I do not have any responsibility for the debt but you 're trying to collect. And you did send to RPM Collector. 
I am very upset to received this notice from you and RPM Collector LLC. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. 
Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. 
If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. 
If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 
Thank you for your help, Sincerely,





This could have been resolved years ago ; I 've talked to so many different representatives trying to get this fixed and move forward. I never intended to defraud anybody, and I 'm not looking for charity. But this loan is not fair!!! All I ask is to be given a fair chance at the modification programs that are supposed to be made available to citizens like myself whose tax dollars bailed out these lenders. Any assistance that would allow my family to keep our precious home would be greatly appreciated. Thank you for your time.
I dispute the validity of this debt. 
I do not believe I owe this debt for the following reason : The debt is too old and may be time barred. There has been no activity on this debt since 2007. 
I request written verification of this debt in the following form:1. I request the date of the last payment made on this debt. 
2. I request any and all information pertaining to this debt including date of agreement. 
Until such verification is received you may not contact me in any form.
The bank would not provide assistance in a loan modification request.
Once again, Equifax denied me a the yearly free credit report I 'm entitled to. I answer all their questions correctly, but they denied the report nevertheless with no explanation whatever. For how long are you going to allow them to get away with this practice, as it is a violation of federal law?

com & gt ; Subject : Credit reportingbureausMessage Body : I want to place an inquiry and a complaint about thethree credit reporting companies especially Equifax since it it 's reports arefavored by businesses. 

Inquires, such as ones for auto financing, or forthe leasing or purchasing of a home, should not be called hard inquiries because shelter and transportation is a necessity of life. These inquires stay on the record for two years. 
Why does Equifax score the lowest in the industry? Some one needsto look into how hard inquires are determined. Inquires about transportation andshelter should not be considered a hard inquiry and should not be charged against a person 's credit score. 
If this is not the correct place to make these inquiries, please direct me to the best place. 


The credit reporting agency will not allow me to file an additional complaint. 
The creditor on my credit reports is reporting my car load status is repossession. It should state paid as agreed.
After a few payments I felt my balance on my account was paid in full and when I never received this paper work I called the number from my caller ID anf found out they were a collection agency acting as a lawer with threats. They had impersonated a lawer while on the phone with me.
I was told I could settle for {$360.00}, or had the option of paying {$400.00} and they would remove the collection from my credit report like it had never happened. The collection was reported as settled for less than full amount and when I called to get it corrected I was told they had no record of the extra {$40.00}. When I asked to speak to a supervisor, I was hung up on.




The result has been decimation of my credit and intractable movement on any processing of the short sale. I remain underwater and in debt for the property only now with greatly damaged credit, a higher mortgage payment and undue fees and charges. This is not a creditor working with their borrower. This is a creditor who advised via my listing agent to skip a payment for their own underwriting practices and then used that to attack my credit and further diminish my ability to manage my debt load to them as well as my overall debt burdern, which precipitated the whole issue to begin with. 

I would appreciate any assistance or help in finding a way to dissolve this issue and bring it to justice. 
Thank you for your time and attention in this matter and look forward to hearing from you. 
Debt collector calls multiple times per day. Some are in the morning when I 'm still sleeping.
I have made several attempts over the years to dispute an entry on my credit report. Undereducated about the process, I gave up in trying to remove. I recently have refinanced my house and was questioned by my lender about this company on my credit report again. 
Unable to explain and unable to resolve, this entry contributed to my not qualifying for a lower interest rate costing me more money. I once again sent certified letters and made attempts to seek information from this company who has refused to provide any information to me. They are only demanding I send proof to support it being inaccurate. I obviously have no proof if the debt was never mine. 
The company has further stated, they ca n't understand the nature of my dispute. Hopefully this organization can clarify " the debt is not mine ''. 
According to my credit report this company is using deceptive practices by reporting this debt to the credit reporting agency that this is a factoring account. I do n't have any loans that was sold to this company. 
They further are deceptively listing this as an open account and has entries that state I have been late on many occasions. I have never made a payment to this company. This act appears to be refreshing the credit reporting entry only to create harm to my credit score.
My Bank of America Credit Card statement balance was paid in full before the due date, and I was still charged a fee listed as a minimum interest charge. I called customer service and explained that the statement clearly showed that my previous balance minus my payments & other credits added up to zero, just like the previous month when no interest fee was charged. But, the customer service representative told me it was Bank of America 's policy to still charge me a minimum interest charge regardless, and emphatically stated that this policy was not going to change. I believe this is a misleading and deceptive practice by Bank of America, that is in clear violation of my credit card agreement, and should be illegal.










I continue to receive calls despite the fact that I have told this company each time they call that it is not my debt and they have the wrong person. Each time they are told to remove my name and stop calling but they persist.
During my Mortgage signing process in 2007 at my home, the only people in attendance was the Title Company Representative and myself. I am the only person who signed the original documents. The Title Company Representative said that she would sign her section when she returned to the office. I questioned that process, she stated that it was normal to do it this way. A Notary was not present to witness/verify signatures. She also stated that was normal also. She said that a Notary could verify documents after the Mortgage signing process. I have requested original signed documents from Indy Mac/One West Bank, they refused to send the original signed documents. Stated they they were stored in a vault and it would be difficult and take too long to retrieve. Can my home be foreclosed if the original signed documents can not be presented? Also, should a Notary have been present to witness signatures? Therefore, are notarized documents pertaining to my Mortgage signing fraudulent documents since a Notary was not present?







Without such, I will consider this matter satisfied by fully deleting the account. 

I really appreciate your assistance.
Incorrect plaintiff foreclosed on me, forcing bankruptcy and homelessness.

I have received several phone calls at work and my work has been contacted by the company for employment verification. I have spoken to CKS and asked that they not call my work but rather my personal phone number. They also continue to call my family which I have asked they discontinue doing as well.
Received a phone call from a man claiming to be in the same county as I. He said he had legal paperwork to deliver, and that I was being sued by a company called Northwind Associates for an unpaid debt from 4 years ago. I asked what the debt was and he told me I had to call the company. He gave me a case number and I called. The man who I spoke with asked me to confirm my identity by giving my date of birth. He had my correct address, phone number, and email address. He proceeded to tell me that the debt needed to be paid otherwise I 'd be required to go to court. He offered me a settlement of {$670.00}. I paid it. I had remembered taking out a payday loan, but now that I 've done my research ( too late but I was TERRIFIED of having a man stalk me to hand me court paperwork and be sent to court or jail! ) I 've found that Northwind Associates is a scam company and they 're not legitimate at all. 





I am not sure what more proof they want aside from a signed letter from the President of the Company, at this point they are willfully and negligently misreporting. 

Please find all relevant documents and Certified Mail receipts attached. 

After my auto was totaled, my insurance company paid it 's portion. For the difference, I submitted a claim to my GAP insurance company. It has now been five months and the claim remains unpaid. In the meantime, BMW has reported me to the credit bureau for the difference which remains outstanding.
I got an email from BoA saying that I was overdrawn. I went online to find out what happened and found a check that was not even from my account drawn for {$360.00}. I opened a chat help and reported it. The customer service person said it would be resolved. The next day, before business hours, I checked again. The problem was n't resolved and the check image which had been there the day before was no longer available. I opened another chat window and THIS customer service rep told me it was fraud and would have to be dealt with over the phone during business hours. 

That leaves me with no money for breakfast, so I am angry AND hungry. 
I reported the error as soon as I noticed. BUT because of the failure by the bank, I am without access to funds, and therefore breakfast and gas. 

HOW does all this work? WHY wo n't BoA answer my questions? WHAT is my recourse? 




Thank you for your assistance in this matter.
Discover closed my credit account without an reasonable explanation. The only reason the customer service gave is " business decision '', but no further explanations. 
It is unacceptable. I used the discover credit card daily for restaurant, gas and grocery, and paid the full balance on time each month.






Thank you for your assistance in this matter.
I just want to keep the house. Now that I have found the 12 CFR Part 1026 RIN 3170-ZA00 Application of REgulation Z 's Ability to Repay Rule to Certain Situations involving Successors in Interest, I believe the mortgage company violated this rule. I made it clear to the mortgage company I had every intention of keeping the home and paying the mortgage. Now they have filed foreclosure. This rule really hit home with me when I read it, because talking to several different people with Citifiancial I had some ask me why I did n't ask for a modification and then others tell me that a modification was n't possible! It appears it was all along. 
I am attaching the foreclosure petition and our answer, death cert, probate, power of attorneys and correspondence i have had with the mortgage company.
This debt was settled and paid in full to a different firm. Capital Management Services LP is falsely claiming this debt is outstanding. They have attempted to bill me for this. The bill states " unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid ''. This is fraud. I do not wish to contact anyone representing this firm.
Please do not assume this is a duplicate because it contains a different dispute and problem that I 'm having with Portfolio Recovery Associates. This company has been sued for their illegal actions FDCPA more times than one can count. They are on my credit reports for a debt that I do not owe. They lied about sending me any notice of the debt and continue to report unverified information on my credit report. I 've already taken action against them for calling my job several times after beining notified not to. They claim to have sent a notice to me concerning this, but will not answer a simple question as to where they sent the notice to. I 'm not asking them to verify that they know my name and social security number, especially given the incidents of identity theft in which crooks steal basic identifying information and open credit. This accounts does not belong to me. In order to open an account an application for credit would have been completed, drivers licence also. I 'm asking for any of that. Neither company can provide that because I have never applied for this credit.
We had fraud in our office and money was stolen and accounts were taken out that we personally did not nor signed to open.
Portfolio Recovery Associates is engaging in illegal and flagrant violations of the Fair Credit Reporting Act by reinserting previously deleted information on my credit report in an a flagrant and intentionally attempt to make the debt appear to be more recent that it really is. Portfolio Recovery Associates had previously deleted a collections account from my credit report however in retaliation for filing a prior complaint against Portfolio Recovery Associates with the California Attorney General 's office, they reinserted a previously deleted account into my credit report as a collections account in order to intentionally punish me which is not what the intent of the FCRA or FDCPA is intended to do. Portfolio Recovery Associates is engaging in illegal and flagrant violations of the FCRA and FDCPA.
Are they supposed to give us the written terms with the trial paymentletter? Because they did n't. 
My husband called OCWEN yesterday evening and asked about theterms of the modification. OCWEN said that we would have the sameinterest rate but they were going to add another 13 years to our loan tomake it a 40 year loan. The new payment would be {$1300.00}. For a {$40.00} reduction in monthly payment, we would have to pay an extra 13years of mortgage payments at {$1300.00} per month, or {$15000.00} peryear, totaling {$200000.00} in extra payments to reduce our mortgagepayment {$40.00} per month! Our outstanding loan is only {$140000.00}. 
Is there anybody who can help us? 
Thank you
I have a Macy 's credit card. 

I have no way to prove that I have requested any such service because this issue never happened with any other banks that have auto payment set up option.
This is a huge amount for us and we did not except the company will not render the service they have paid for. 
Later when we researched on internet and found that the servicing company has filed bankruptcy. 
We raised a dispute with the bank and a temporary credit was provided for the amount. Now after investigation the bank had denied the dispute mentioning no sufficient documentation. 
Kindly let me know what can be done at this stage?
I have brought this issue up with Bank of America 's customer service department to remove the late payment from my credit report ; but BOA insists they did not make a mistake, they would not remove the late payment. On one hand they acknowledge that the dealership gave them the wrong address and that I never statements received the statements, but inexplicably BOA still claims that the late payment was my mistake. I had over {$20000.00} in my bank account during the period of the missed payment and had the statements been sent to the correct address a payment would have surely been made. I have attached copies of my bank statement to this complaint.
Your response are greatly appreciated. 

tried to talk to someone on the phone because I paid for my credit score but it was never sent.
So come on lets do this and grab a hold of them, if not, then obviously you CFPB are allowing here fraud upon the people you guys part also of JPMorgan Chase Bank pack in the same plot.
This is not even my name. I have no idea what this is or anything. The collection agency has never contacted me by any means I only came to know about the debt from checking my credit report

You may publish everything but my personal information.
I never received notice of my right to dispute this debt. My consumer rights have been violated by the reporting of this debt to my credit reports. 

This account should be removed from all credit reports immediately.





I got an education to better my life but have yet to live my life because I ca n't afford to. 

Please help me!!
An Area Sales Manager for Wells Fargo Home Mortgage was quoting interest rates to a consumer with no active NMLS number.
I spoke to both a customer rep on the phone and the branch and still no resolution.
Failure to evaluate borrower for ALL loss mitigation options to avoid foreclosure.
We are very dissatisfied with how all this has been handled and how we have been treated. We do fall behind on our payments from time to time because we do n't have any extra money to fall back on when something happens like the car needing new tires and such. We do however always pay our bills. We think that someone should have to answer for all these things. If my husband did his job like Bank of America is doing theirs he would not have a job. Please help us if you are able. Thank you very much.
Thoroughly disgusted, I immediately asked the teller to check, who then referred me to the Chief Teller. " Everything was coded correctly [ regarding P & I payments ], on our Front End, '' the Chief Teller told me. " This must have happened in THE BACK ROOM! So, we know nothing about this! '' THIS IS A MAJOR PROBLEM FOR THIS BANK! NO ONE SEEMS TO KNOW WHAT HAPPENS REGARDING YOUR P & I LOAN PAYMENTS! EVEN WORSE, THEY TELL ME THAT THERE IS NO LOAN DEPARTMENT, PER SE! THEREFORE, THERE IS NO ONE TO WHOM THE CONSUMER CAN COMPLAIN, WHO KNOWS THE ANSWERS! 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Contacting my father and other family memebers on theirr cell phones and at their jobs. They have never mailed anything to verify the debt.



I have never experienced such poor service with any business, and I am stuck using them since they already pulled my credit ( which would count against me now elsewhere ), and I paid for a completed appraisal - which came in fine.

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Failure to provide periodic statements as required by law. 


Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
I am not responsible for this account as it was fraudulently opened in my name by my roommate without my knowledge.

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.



I disagree with the initial charge, and also with the amount that was charged. 


Received their notice passed their dead line to respond. 
I even overnight to responds on their refusal but only answer came back was just resubmitted.

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
I informed them of their mistake of not making sure their information wascorrect and what happened ( they just assumed it was the correct personbecause our names are the same ). However, they said I was responbile for theloan because it was address to me and based off my social security number. 
They did not try to correct their mistake just haress me for payment of a bill Ihave nothing to do with. Now, I find out they put it on my credit report knowing the information is wrong. I believe they committed fraud by putting this on my creditreport and not checking for correct information. And I believe they should notbe allowed other peoples social security numbers, if they misuse my information like this. 
I want both account off my credit report because it is not my accounts - pleaselet me know what happens here - please. it 's messing up my creditscores in the future.
Desire Outcomes:1. Receive a settlement packet from Bank of America. 
2. For the loan to be extinguished, because we have over paid for this home. 
3. Refund the amount that has been over paid. 
Debt is stale, from 2003. 
Original debtor discharged this debt ; MCM collection agency has failed to provide verification and that debt was sold to several different companies.
6. I call the doctor. They state that their accounting firm at the time went out of business and sold its accounts to a collection agency. 
7. We send an email to the Manager of the collection agency and spoke with his staff. They state they do not have the actual invoice which was not paid, only an entry in the database they received from the defunct accounting company. 
8. The item is removed from my credit report. 



I need your help to stop this once and for all.









Car was a lemon and was returned
They are reporting misleading information to credit bureaus.Also refused to participate in debt consolidation.
I subscribe to Experian 's Credit Monitoring Service. 
They send me ALERTS when things change as they relate to my credit score. 
I received an alert this month that said my Experian FICO credit score had changed. 
It raises serious concerns over the credibility of Experian 's score keeping policies and practices. They need to be investigated.
The collection agency is under a law suit

After multiple phone calls with them and disputes, they never returned my phone call. They claimed to have contacted my physician to see whether the debt was still outstanding, but never followed up with the physician or myself. Every month, they keep reporting that the debt is unpaid, even though it was paid before they received the collection request. 


They did not let me speak to a manager or someone who had authority to give me any information about the debt. If I ca n't get this resolved, it will cost me tens of thousands of dollars because it 's adversely affecting my credit score and I 'm applying for a mortgage right now.
I received a letter from a credit card co. that my account was closed because it was past due, but I was unaware of a balance because they stopped sending a statement, and they did n't send an e-mail notification either. I paid the outstanding balance, which included {$99.00} in fees plus interest, because I thought it may have been my error, but after researching the matter realized it was n't. now they say because the account is closed and the balance has been paid off they ca n't refundthose fees. I have always up to that point paid my bills on time. This has had an impact on my credit rating.



Thank you for your attention in this matter. 


I have neither claimed or denied the debt. I asked for verification and they claim they had mailed it out over a week ago. I have not received anything in the mail. Now they are calling my work office main line which is totally unacceptable since I told them they could reach me threw my cell. I have not received any new calls on my cell from this company and now I am taking legal action to get these calls to stop at work.
I have neither claimed or denied the debt. I asked for verification and they claim they had mailed it out over a week ago. I have not received anything in the mail. Now they are calling my work office main line which is totally unacceptable since I told them they could reach me threw my cell. I have not received any new calls on my cell from this company and now I am taking legal action to get these calls to stop at work.
( My loan closed after this date ) The Homeowners Protection Act gives you the right to request that your lender cancel PMI when you have reached the date when the principal balance of your mortgage is scheduled to fall to 80 percent of the original value of your home. 
( It goes on to say ) Even if you do n't ask your lender to cancel PMI, your lender still must terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. 


This is against FRCA reporting and I demand compensation for pain and suffering volutarlery or through small claims court. 

I am also contacting my states attorney generals office for the tactics used by this company. 



THEY NEED AN AGENCY LIKE THE FTC TO PROTECT THEM.
Trident Asset Collection Agency placed returned checks into the wrong category. They were entered as if they were revolving accounts ; in which, payments were assigned/ made on a specific date or cycle.
However, on top of all of that, BB & T sold my personal information to multiple organizations. Since closing I have received multiple letters in the mail from different companies offering to help me pay my mortgage and suggesting that I consider making bi-monthly payments because it will reduce my overall lifetime mortgage cost. It is just wrong that BB & T does not offer bi-monthly payments to their customers but will sell your information to other companies offering to do just that! 

This is just a fraction of my issues with BB & T. In addition, they lost my original loan paperwork with all of my personal information on it. To date I have received no follow-up on that issues, so as far as I know it 's still lost. And, I had a horrible experience with my mortgage loan officer who was incompetent and incredibly rude. I would refinance in a heartbeat if it were n't so costly!
Payment of home equity loan made not properly applied. i made payment of {$2000.00} and out of it about {$170.00} is interest but the Loan servicing is applying most of it towards interest and the rest to principal. I called several time. Looks like they do not care
The company has failed to properly update my credit report to state that this account is included in a bankruptcy filed in 2012. They continue to report inaccurate information,
When speaking to modification representative as well as the weekly auto-calls, the service representative does n't seem to know any information on current correspondences or that I am already working on modification. 
The big hold op for Ocwen seems to be my second employer which is a 15 week teaching position. After sending Ocwen my teaching contract, copy of the last pay stub and a letter from myself explaining the payment schedule, Ocwen tells me it is not enough and has to review it. Now on my last phone conversation with Ocwen, they said the information I had sent in regards to the teaching position does not fall into the government guide lines. Ocwen has put off another modification phone appointment so they can review the information yet again. Mean while, my anxiety and anger increases, I can not make any repairs or improvements on the house and myself and my bot friend can not get on with our lives without fear. 

I have not even had the chance to earn the points promised to me for hitting minimum spend requirements of {$2500.00} before the benefits associated with such points have been taken. In short, I feel US Bank was deceptive with their advertising and dramatically reduced promised benefits with such little advance warning as to make the situation resemble a bait-and-switch offer.

The caller ( a woman ) rudely said she would " mark on my file my failure to cooperate ''. She then hung up. 

I looked up the phone number on the internet and it belongs to Medical Revenue Services in Florida. 

" Failure to cooperate '' should NOT be listed in any file pertaining to me when the caller FAILED to identify their identity to me or why they were calling. I feel this is a fraudulent practice and such practices should be ceased!
Wells Fargo Bank allowed charged and account changes despite my calling and telling them my account were compromised. My Credit Card provided a line of protection and unfair and excessive fees were assessed, although sometimes waived in my favor. The bank was informed of a stolen debit card, and was supposed to replace the funds in a timely manner. After account numbers were changed at my insistence, the bank penalized me by closure of my accounts.







I am requesting Residential Home Mortgage Corporation to honor their Good Faith Estimate and refund me the {$4000.00} in additional charges I had to pay at settlement. 

Thank you.
I am victim of fraud and someone stole my identity and got a cell phone in my name and i want my name to be clear up, Its sad i have to keep going thru this non sense
I never received notice of this debt or my right to dispute.
The collection rep advised I was able to take apart of a payment method via Credit card, when I called back to make the payment with the same payment method i was advised I could. The rep advised he never said I could make the payment with that method. I was unable to make the payment. I have requested to pay off and or get it dismissed due to their negligence**they did n't threatened to take legal action but the option I needed was not listed





I have spent multiple hours and time, consulted a lawyer, and was told to contact every protection agency that I can to make sure you are aware of this issue. Each company pushes the issue to another company to get the answer. Not one of them will give a straight answer or a refund, and I can not imagine how many other people are being scammed out of money because they never opted into or consented to these options. I am not the only consumer this is happening to, but I can not get any information on if I opted into this option or my money refunded. 

If you need more information from me or documentation please contact me directly, but I would like to get some answers from these companies and possibly be refunded before I take legal action.

I dont understand how Transunion can play by different rules than the other credit unions. Please help. They refuse to help.

Banks committing fraud upon the courts by stating they are the Holder and Owner of the Note- when in fact -they do not own or hold the " original '' tangible Note. 
This company calls me continuously, but more problematically : they make you fill out an inquiry form with your bank account and social security number when you call them back before they will even disclose whether or not they are calling for you! I refused, because the debt they have been continuously calling me about is not even mine, but belonged to the person who had my phone number previously. They call on weekend mornings, and while I 'm at work. I just think its sketchy that they would ask for such private info.

Every month when I pull my credit report it shows they debt has not been removed, that I still owe the full amount and they I am now 3 months late. 

This is my last attempt to escalate this before I take legally action.
Our local police department suggested we file a police complaint.

the customer service is horrible she doe snot understand what i ask gives me rong balance van not tell me what interest needs to be credited. which i do need. if i catn get interest back i cant use the card. 
Yesterday, I was called by a Navient collector and he said that the payment did not go thought because I was not late, Now I was late and had to pay late fees. Then I could go through the process of setting up on auto pay. 
I was cut of from my account, and make late with interest, all the while current on my student loans. They kept telling me that they could not find my account and my spouse was made primary on the loans even though were current. The bankruptcy did not disolve my loans, why was I harrassed, blocked from payments, and made to answer an recording about being in forbearance. I was forced to answer that I was in forberance in order to get back on auto pay. It is humiliating enough to have a college degree and no stable income. To be treated in this manor has caused me undue stress. 
I have other student loan providers, who did not do this to my when I was in bankruptcy. I need help getting back my interest that I had to pay. the collectors on the phone will not stop until I paid the late fees and was put in forberance. I also got a letter that I needed to update my email address, or some benefits would be stopped. I had unsubscribed to emails since I was on auto pay. I did not want monthly notices from them. They had my email address already. Nothing has changed. 
I never got a good job since going to college an never had the money to pay back loans, I work several jobs to make ends meet. Recently started my own business to get work.
They have repeatedly called me and my family and they are rude and we 've asked not to call our jobs ... I have the number blocked off my phones but now they are calling my family members fishing for information and speaking rudely to them!




I figured that the best way to remedy the situation was to go back to Citibank 's webpage and enter a new order, this this time in close correspondence with AT & T to make sure there is no confusion regarding to information about my identity. Only now, the offer link had disappeared from Citibank 's webpage. 


Overall, the problem is that Citibank designed a poor platform and has poor cooperation with is partner AT & T. It refuses to take any reasonable course of action to resolve the issues. I would be happy to buy a phone in-store and submit to Citibank proof of my purchase. Purchasing a phone via this route does not change Citibank 's economic stance in any way. Instead, I 'm left not knowing what to do, and Citibank is now better off economically by {$650.00}.




Please help me.
A couple of weeks ago we rec 'd a letter with our banks name/logo to apply for a credit card witih a 5.99 % APR on balance transfers for life. We applied on-line. We rec 'd the new credit cards in the mail. Thinking this is great as we would save over $ 80 monthly in interest by using this balance transfer and lowering the interest. We activated the cards on-line. As I was completing the customer profile I was looking for our monthly payment information since I had thought the balance transfers had been done. But it showed a Zero balance and a {$1000.00} credit limit at 16 %. This is NOT the card we applied for. We feel like we have been defrauded, victims of a Bait and Switch. We do not want, or need, another credit card unless able to utilized one with a much lower interest rate. Only after activation did we learn this is NOT what we need. I took the letter and cards to our bank and learned that it was NOT our bank. It is some affiliate with a similar name. If we can not take advantage of the offered low interest rate on balance transfers we do NOT want the card at all. I looked up the bank and called them. I learned that this card does have the 5.99 % onl balance transfers. I expllained that our application listed the details of the accounts and balances that we had applied to transfer, that a {$1000.00} limit was not sufficient to take advantage of the transfer, asked if the credit limit could be increased. We were refused. We immediately canceled the cards.

Also, in prior months, when BOA receives my mortgage payment, they continue to place the full amount in an account for mortgage modification when I did NOT accept their modification offer. I must then call each month to demand that they correctly apply the payment to my mortgage account. 

Does BOA want me to pay my mortgage or not?
This inaccurate reporting effectively RE AGES the account to report past the statute of limitations for reporting to credit bureau under the Fair Credit Reporting Act. 
The date of first delinquency is inaccurately reported. 
The payment history is inaccurate.




My SSN was recorded wrong.
Failed to notify of debt, paid debt and will not remove debt from credit report

First Progress Card is reporting late payments on my credit report that is damaging my credit. I have fraudulent transactions that I did not authorize which I filed disputed. It was found I was not responsible for this transactions and items were reverse. I would not have been responsible for making payment for this transaction while investigate was in process. Account was closed and paid in full with {$300.00} security deposit required to open account.
The purpose of sending the funds via WU has been defeated and instead they have given me more pain than gain in the transaction. Please assist in helping me obtain some accountability.
I called the customer service number and they have no record of my request. NOTHING!! 
Now forsr they said they dont do loan deferments on new loans then it was well itstoo late bc the vehicle has already been picked up. Well imagine that. 


I am being billed for an item I have no knowledge of, until I received a letter from the collection agency. I was out of the country for a period of time and I believe someone that resided with me at the time, created an account with out of my knowledge.attached is my credit report
A company by the name of JS Resolution called and stated the need a letter from my attorney. He did not state what this was about, but he did state that actions will be taken without my knowledge.

an amount on my credit report which is not in my name nor have I had a history with this company
The debt was paid through medical coverage!
I believe I have been getting the run around and the bank has ignored my calls and emails. Please help

If you are able, please assist. 


I will forever be thankful for the blessings and Drive Time 's patience ... but the things I 've endured the last few years has made it hard to speak great about them.




How can they charge me for a situation they created? Why would their system allow a transfer from an account that had {$0.00}. I feel it is unfair and a complete money grab.
I was in a bind and took out a loan with CastlePayday.com, which is actually Red Rock Tribal lending. When I applied someone called me immediately and rushed me through the process of the loan. After reading some things about this company online i realized ... ..Oh no, i better go print my papers. I log into my account online and it reads loan amount {$800.00}, Finance Charge {$280.00}, pay off balance {$1000.00}. I print the contract and it says finance charge of {$6000.00} and annual percentage rate of 787.4136 %, total pay off {$6800.00}. HOW IN THE WORLD. So I immediately contact the company and revoke my ACH and they tell me that they will now remotely-create a check and send it to my bank for payment because i dont have the full {$1000.00} to pay on payday. I dont know what to do. The contract states that this is a tribal loan and i have basically given up all my rights.
i do not know what to do. 
they are forcing me to foreclose. i live in this house lost a job have no money now i will be in the streets, this is crazy. i thought Obama had programs for me like hafa? hey ocwen did you conduct an appraisal for my HAFA application?




I have a car financed with Honda Financial. I was working with an account manager to get my account caught up. I called in to advise him that the car was involved in a wreck. A sub told me he was on vacation, and I needed to get a personal loan. She also told me that I needed to pay the next day because they were looking for the car, and they would come get it. I was not aware that they were planning to get the car, so I told her I was going to put the car into the shop to get fixed first. 
We have been working with Wells Fargo trying to obtian a modification. We have been told we can afford the payments, which we have agreed, however we fell behind becuase we needed major repairs to the house. We asked for a lower interest rate we currently have a 8 %. Which has also been denied. Wells Fargo just keeps saying we can afford it.
I spoke with an agent and I asked if I could get documentation to verify I owe a debt and he says no I would have to talk to my insurance since they made an initial payment. I told him the letter they sent said that I could dispute the debt and he says " you do n't know what dispute means '' I said he was being rude and unprofessional and I requested to speak to another agent or supervisor and he says " they do n't have time to talk to people like you ''. I said are you refusing to let me speak to a supervisor he says " yes, I am not going to bother them with your issues '' The agent refused to provide me with any information other than an amount owed and the name of medical facility, refused to allow me to speak to a supervisor, and talk to me in a demeaning way throughout the conversation.
I draw a low goverment check each month. No goverment check can be touched by no one. Stop haraasing me.. Stop contacting my bank etc..
Stellar Recovery has placed an illegal erroneous account in the amount of {$1600.00} on my credit reports. It is not mine and this company is causing me immense complications and frustrations because of it. 



All my attempts to validate this debt has went without response by Stellar Recovery.



A contract accounting firm opened an account and naming our company as a dba, he then stole our company checks from our office and deposited them in his company account at BofA. None of these checks had any endorsement on them.

Each time, they do not leave a message, but I looked up their number and found their information. By law, they are required to tell me about the debt and what they want from me. 



The issue is overcharge and unreasonable. 
it was n't opened by me and they still have it on my credit report
Homeowner did everything to try and save their home. They determined that the home was unaffordable for them and decided to pursue a short sale of the property. This was a difficult decision for the client to make, but realized this was in their best interest. 

The mortgage company did not include a tax on my HUD statement at closing and now they want me to make the deficit up in my escrow account and increasing my monthly payment going forward. I never received any clarification on how or why this happened. Even after calling multiple times and speaking to multiple people in their company. When I call them they always deflect what happened and blames someone else. This deficit was brought to my attention three months after I closed on my house. I have spent countless hours on the phone with them. To date I still do not have a clear understanding on how or why this has happened.
CONRAD DEBT COLLECTORS IN CALIFORNIA ; THEY PUT A LEIN ON OUR HOUSE FOR??????? 
WE HAD NO CHOICE BUT TO PAY {$1600.00} TO CONRAD CORP FOR NOTHING. IF WE DID N'T GET THE LEIN OFF WE COULD NOT REFINANCE. SO WE HAVE BEEN PAYING THESE PEOPLE MONEY FOR NO REASON. 

THEY THREATEN, ABUSE, AND THEY KEEP DOING THIS AND I KNOW I AM NOT ALONE. 



THAT WAS THE MAIN PURPOSE FOR THIS PURCHASE FOR FAMILY TRIPS. 


FOR THOSE THAT ARE STUCK BECAUSE WE ARE STUCK AS CONRAD WHO COLLECTS THE FEES FOR A CLOSED HOTEL KEEPS PUTTING LEINS ON HOMES. ALOT OF PREVIOUS OWNERS GAVE IN AND MADE DEALS WITH CONRAD. PAYMENTS THAT ARE NOT OWED TO THEM. 

THESE PEOPLE IN CALIFORNIA ARE MEAN. THEY THREATEN TO TAKE YOUR HOME AND THEY DO!!!! AND SOMEHOW CAN PUT A LEIN ON YOUR HOME, HOW? 





PLEASE, PLEASE I HAVE BEEN FIGHTING THIS FOR EONS. 


THANK YOU IN ADVANCE. 

Repeated calls from " Fresh View Solutions '' about unspecified debt of an unspecified debtor over the course of several months.
it was something I never opened
The seller filed an insurance claim and was awarded funds for repairs, which were deposited in the Insurance Claims Department of Chase Bank. 
I renewed my offer. About half of the insurance repair work was completed at that point. The reason the work progressed so slowly was that the contractor hired by the seller became difficult to contact and was dismissed after payment for the work completed. The remaining work was for mold remediation, floors and repair to the heating system. A total of {$14000.00} remained in the insurance claims benefit. At this point, my real estate agent informed me that it would be best to accept the remaining money rather than wait for the repairs to be completed because the house might be placed in foreclosure by Chase. With this understanding a new closing was set. 
Realizing that this is where the conversation started. I closed the phone call. 
I have e-mail and fax documentation to all the information above as well as the account number in which the insurance funds were deposited at Chase Bank. 
Based on those conversations, I conclude Chase does not intend to release the funds that are on deposit and instead Chase intends to appropriate the funds to themselves.



This reinsertion came with no notification in writing to me. I noticed when I pulled my reports.

I have attached the original notarized document that I executed, as well as the forged document that Provident deliberately altered and recorded. I have also highlighted the insertions and additions. 

I would also like to point out that that Provident Funding provided me a copy of the executed agreement that did not include the alterations. 

I believe that Provident Funding 's actions are illegal, and constitute fraud which I why I am seeking your assistance.









I followed up with Wells Fargo after they announced the expansion of their modification program, as I could surely show prove that my Wells Fargo Student loan payments were a financial hardship. I was denied again because Wells Fargo insisted that my cosigner could make the full payment. 

Wells Fargo continued to refuse to work with me. They said that my only option was to refinance. When I expressed concern over losing my option to an " in-school forbearance '', as Wells Fargo Consolidation Loans do not have in-school forbearance options, an employee at the executive office told me that some borrowers who were returning to school were being allowed to refinance and keep their rights to an in-school forbearance as long as they were registered for school. However I was n't returning to school for a year. The employee went to a board with my case to see if I could keep me in-school forbearance on a consolidation loan like some other borrowers were able to, but I was denied. It 's troubling that certain borrowers are receiving options and other 's are n't. 


Luckily, I was able to refinance my student loan with another lender, and am thankfully no longer a customer to Wells Fargo. Needless to say after that experience I will never do business with Wells Fargo again. Although I am no longer a customer to Wells Fargo, I want to share the reality of this " modification program '', and how few people it will actually apply to. 

Ask my employer 's receptionist where to send garnishment paperwork. Faxed employer for requesting my personal information. Called me at work when I told them to call at home.


Have you read the Important Information including legal disclosures about Chase Debit Card Coverage service? 

Yes, I have. 

No, I have not. 

Select " Yes '' if you want Chase to approve and pay your everyday debit card transactions, at our discretion, when you do n't have enough money available. You 'll have until the end of the business day to deposit enough money to avoid an Insufficient Funds Fee on these transactions. 

Select " No '' if you do not want Chase to approve and pay your everyday debit card transactions when you do n't have enough money in your account. Since everyday debit card transactions will be declined when there is not enough money available, you wo n't be charged an Insufficient Funds Fee for everyday debit card transactions. If you do n't choose an option when you open your account, " No '' is automatically selected for you. 


It 's conceivable that Chase 's other account holders are sufficiently cunning and sophisticated to be aware of what I had to ferret out myself, but I 'd wager that this is n't the case.
I had a Bank of America account and I closed the account because they were repeatedly making it look as if I was debited the account with no funds. I wrote many times not to allow my account to be charged with no funds in the account. I would have money showing in the account and when I used it I would get over-limit fees and other fees until they charged up to over {$600.00}. I had close all my accounts with them and refused to pay because I know I did not use the card. I even closed a money market account and a few months later the bank reopened it and started to charge me fees on it. I had to let them know I had taken my money out of their bank and they had no right to reopen the account. 
This bank took money from me for charges I did not make.





I 'm a kind person, but I 'm not a pushover. I 'm resourceful and will do what I need to do to save my home. Any assistance towards that end would be greatly appreciated. Thank you for your time.
Several phone calls into Equifax have been unsuccessful.
I have faxed over loan modification paperwork. Still threatening foreclosure and have not updated my online account even though the modification has been approved. All the payments have been made for the trial period. 




I have no recollection of what this debt is, I have been hassled and threatened by this collection agency, the caller never identified himself as a collector and never read me my Mini Maranda Rights but instead told me that my credit will be ruined if this debt is not paid.
Needless to say, Citizen Bank account holders are not charged this amount. It is ironic that Citizens Bank account holders are only charged 3 % for International transactions made at an ATM while domestic borrowers are charged a flat fee.
I have asked them in writing to stop harassing my friends and family members as well to no avail. After a certain amount of tie goes by, they seem to feel justified to call my work and other contacts. 
This loan is up to date and the payment they are starting to harass me over is only a few days late. 
I have had enough with this company 's bad business practices and judging from other complaints I have read, I am not alone.



Complaint was filed with Federal trade commission. Consumer Finance and HUD. NO COMSUMER LAWS WERE UP HELD. 





My main concern is if this is happening to me ( a senior citizen ) how many unsuspecting people world wide that do n't check their monthly statements are they doing this to. 
Thank you.
Your options do not provide the option in this instance. 

Greentree is improperly reporting my debt to the credit bureaus. I have disputed the date of last activity on the account and they continue to report it. In the attached letter they accuse me of trying to change their reporting to the bureaus. They go on to state that they " make every attempt to ensure the information reported to the bureaus is accurate and correct. 


The Fair Credit Reporting Act. Section 611 ( a ) ( 5 ) ( A ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 

I have correctly disputed this obvious error and the bureaus have left it on the file ... subsequently Greentree sent this letter stating that they make every effort to assure that their reporting is correct and therefore have the ability to predict future activity.


I checked today and my additional principal has been turned into fees and the additional payment is all but confusing on the statement online.
A very dissatisfied customer!!!
I called the Loan officer during closing and he and his manager convinced me to sign the loan agreement promising that they would work out the difference in the Lender credit. However today they finally admitted to me that they were not going to reimburse me, and said that my loan was " closed. '' Luckily I am still within the three day rescission period, and have sent them a signed notice to cancel the loan. But the entire experience was demoralizing and degrading. Plus I am out the cost of the appraisal and all the time I have invested.
A company identifying themselves only as " Halstead Financial Services '', through robocalls from multiple numbers, listed below, with dates and times, is calling, and leave a message, transcript below. Attempts to contact them have been unsuccessful to date. 

I can not get a mortgage rate quote from a mortgage originator without a credit report. Each credit report counts against my credit rating. This makes it practically impossible to shop around for rates and products.

My discussions with them have stalled and I am hoping you can contact them and open a line of communication that leads to a constructive conversation regarding my mortgage and the pending foreclosure sale. 


I have to continually try to explain my position to the representatives who answer the phone, but I ca n't seem to get any answers from them. They flat out have been lying to me throughout this process, telling me that they want to help and that falling further behind actually makes a better case for modification, and then denying me any help saying that I 'm too far behind. They have essentially slammed the door on communicating with me. I just need someone at Wells Fargo to speak with me and give me reasonable options to save my home. This is an avoidable foreclosure and I believe I qualify for help if Wells Fargo would come to the table and have a constructive conversation. I would like to see if you could contact them on my behalf and get them to speak to me in an attempt to save my home from foreclosure and give me a proper review for retention options. I would be grateful for your effort



www.annualcreditreport.comStatement says right under website headline : " The only source for your free credit reports. Authorized by Federal Law. " Complaint 1 in regard to advertising on the website : Annual Credit Report is not the only source for a free credit report. Instead and like other companies, they provide the free credit report BUT charge the consumer additional money to see their credit score. There is no difference in regard to other companies providing this service. 
Desired : - no credit score monopoly- absolutely NO credit score differences between credit scores information disclosed to and paid for by consumers, and credit scores disclosed to lenders.

Desired : - no credit score monopoly- absolutely NO credit score differences between credit scores information disclosed to and paid for by consumers, and credit scores disclosed to lenders.
Attached is a letter I sent to Chase Bank 's corporate offices describing our current financial situation. We have been dealing with a series of fraudulent activities and Chase Bank has neglected to handle our situation with care and attention, let alone assume any responsibility for their lack of security protocol. We requested an explanation in writing from Chase in regards to the investigation we were told was being done, and were denied in addition to being told they also denied our claim to replace the money that we have lost.

ONGOING ISSUE! My original loan was through Countrywide. From my understanding Countrywide never gave up the note on my home to the trust ... .not because the home is worth considerably less. Therefore you do n't have securities backed by this mortgage. If Countrywide never gave up my note then they have no standing in this foreclosure.
However the bank has not been transparent about the way it reapportioned the interest. I requested several times that they send me a statement showing that if they applied the principle reduction correctly, the interest paid each month would go down slightly every month, which is not shown that way on the statement they sent. 

The borrower was offered a new agreement. The proposal is a short term agreement that will put the mortgage back into a foreclosure situation because the hardship is permanent. 
They completed credit counseling and a household monthly budget with a HUD approved agency. The final analysis for the brrws budget calculates a 61 % front end ratio which increased due to the loss of over 25 % of their income over a 6 month period. The brrws have reduced their back-end ratio by paying down credit cards and medical bills. 

As we appeal this process we are going to escalate our efforts to our congressman to help us in our process to save our home. It is our prayer that you would reconsider this offer and seek to offer us a fix permanent solution to save our home and avoid foreclosure. 

When I made an inquiry to cancel PMI, the following conditions needed to be met:1. That my payment is current2. That there are no subordinate liens on the property3. That I have Shellpont Mortgage Servicing request an appraisal at my expense. Depending on my time in my home and other investor factors, my LTV requirement will range from 65 % to 80 % to qualify for early cancellation. 
4. That I meet any additional state or investor requirement. 
Shellpoint would not consider my request for PMI cancellation without my signature acknowledging the conditions above. 
Having made additional payments to principal, my loan balance of {$75000.00} and current LTV of 72 % for my low risk conventional Fannie Mae loan meets all federal requirements for cancellation of PMI. 
Shellpoint Mortgage Servicing however, would not cancel my PMI solely because of a decline in value of my home- from {$110000.00} to {$100000.00}, irrespective of a 72 % LTV. 
3. A group that misunderstands or ( dubiously ) misinterprets the Homeowners Protection Act 's guidance on Borrower-Requested Cancellation : when the principal balance is first scheduled to reach 80 % of original value based on amortization schedule and actual payments and that the property value should not have declined below original value. Shellpoint fails to realize that the decline in value implies that the 80 % LTV will no longer be valid and would lead to the denial of PMI cancellation request. It 's all about LTV!!! Not simply VALUE!!! 

The PMI is not a source of revenue and should not replace interest payments. It certainly should not be paid in perpetuity and must be cancelled when no longer warranted. 

Thank you.
A gentleman called me at my place of employment and stated he is with US Fast Cash. He told me i owe {$790.00} for a payday loan. I asked for documentation for this debit. He told me he ca n't provide it. He has been asked to stop calling my job and he continues to call and ties up phone lines. I have been scammed too many times in the past.
i have tried several times to talk to them. They have refused to supply me with the social security used.i have sent a dispute letter and they say they didnt get it but refuse to send me another one. All my credit cards and loans are paid on time and i am not late on one of them. Please help me this company is ruining my company.


The mortgage company does n't pay homeowner 's insurance. 
Our insurance company gave us another 30 day extension. I hope by then the mortgage company will find a possibility to pay.
Recently, credit reporting agencies refuse to deliver online versions of my free annual credit report. Instead, they insist on my mailing in a request. In fact, I can then receive the hard copy report by mail. However, I then need to scan the paper copy into my computer, in order to minimize my paper records. 
What must I do to get online versions of my free annual credit report? ( There are no telephone numbers available to me to allow me to speak with a knowledgeable representative at any credit agency to solve this problem. )

Noting this email, I monitored my physical mailbox, looking for any correspondence regarding the changes. I never received any notifications in the regular US Mail. 

Earlier today, while reviewing my online banking account, I saw that there was a {$13.00} banking fee charged to my account. Further investigation showed that the account type had changed and was no longer a " Advantage Checking Account ''. I contacted Wells Fargo and was informed that my account no-longer met the requirements to be fee-free. 

I 'm writing today because I was not informed of this change, and believe that it was not fair from a consumer-standpoint to having account changes made without proper notification.
I 've never heard of any bank state that they do n't go off of credit scores to determine eligibility for a credit card. 
I wanted to cancel my application on many occasions but I was told that I could not cancel because I was approved. I was told this by supervisors in the security department as well as reps in he security department. 
I really just do n't understand why I was sent through that long process only to be told that I did not get approved. 
This should have been told to me at the beginning. I would not have been wasting my time or theres!
This is a collection for something that I never agreed to and is not mine. It has damaged my credit score immensley and affected my ability to get a home loan.
This new collection appeared on my credit report. I contacted EOS CCA and they were unable to provide any information based on my personal information

The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing correction of the information within the 15 days. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job.
This collection agency placed an account on my credit report that is not mine, they never sent me any information stating that they are placing this on my credit report. I sent them a letter asking them to validate the obligation and they ignored it. They are in violation of section 809B of the Fair Debt Collection Practices Act and section 392.101 of the Texas Finance Code.
I disputed the public record on my credit report as it is reporting an inaccurate dollar amount i provided proof of the dollar amount that it should be showing and that the debt has been paid transunion and experian will not update correctly. I asked both credit bureaus for information as how the investigation was conducted, I was advised that they do not investigate they ask the creditor to do so. I do n't understand how you can ask someone that is reporting the wrong information to investigate and the dispute was filed with the credit bureau. I was under the impression that the credit bureau would do an investigation. I have spoke withthem several times by phone online disputes asnd certified and us postal mail and no corporation to get this updated or removed
I called and spoke with debt collection company I told them what i was willing to pay. They would not agree, I said i will look to make an agreement with the next debt collection company then. The manager said ok and the company continues to call me.




If this is a real debt, there should be no hesitation in their providing copies of the invoice and a written explanation that responds to my letter. 



I would appreciate confirmation of your receipt of this communication. I 've sent under separate cover ( via fax ) copies of my letter to HRRG, my medical insurance benefits evidence and proof of payment of my co-pay.

When it was brought to my attention, I immediately paid the account. I was also assuredthat this will not do any damage to my credit score once it has been paid. This is completelyinaccurate and I was misled into thinking that this was a nonissuewith respect to mypersonal credit score. I have just recently discovered this and I am paying a very hefty priceas a result of this. 

They never tried working out an agreement and just went directly to harassing me and saying they were going to sue. 

I had n't received any papers from them in the whole time my debt went to them. When I asked for a confirmation paper that my debt was actually with their company they told me that they do n't give those out either. 

I have never had a problem with the other debt agency I have an amount with. I work with them and we get my debt paid off in a timely manner. 

Como Law Firm should not be in business.
I am having issues applying for credit because of this fraud alert that is on my file. I have tried to log in to review my report to see what number is reporting to contact me and their website has changed the review report again link and it is not letting me view my report. I would just like to remove this fraud alert completely from my file. I have purchased a credit monitoring service and have guarded my report in this matter. Please remove the fraud alert from my file


Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). 
Thank you for your attention to this matter. 
My pay has been garnished due to defaulted student loan. Garnishment payments are still ongoing! I 'm still receiving collection/threatening calls at work and to the human resources department ; in addition to my in-laws whom I have never authorized to have this company contact them. This needs to stop immediately and I need help doing so please.
I was not given notice of a change in mortgage servicer company.


I thank you in advance for your thoughtful consideration regarding the most important matter.
During the process of the loan modification, I have never missed or made any late payment for the minimum payment required to keep the loan in good standing, in fact over the life of the loan I did not make any late payments. 
Please, I am requesting that these items be either removed or updated to reflect the correct picture of my character. I did not try to defrauded Bank of America in any way ; I paid the extra interest they asked for and including the full balance. It is not fair that they collected extra interest and also the full balance of the loan and then destroy my name at the same time. 
Please I am begging for help to resolve this issue as soon as possible. Thanks for your time any advice you can provide regarding this issue.
They are stating I was billed and NEVER did I receive a bill from neither the collection agency or the actual doctor and this is affecting my credit!
My mortgage servicing company ( Dovenmuehle, or DMI ) reported my mortgage as being paid for less than owed, despite the fact that it was a Veteran Affairs ( VA ) backed mortgage. As such, the VA paid the full amount to DMI, and DMI did not end up losing money on the property. The full loan amount was paid by the VA. 

Consequently, DMI should not file a negative note on my loan, stating that it was settled for less than the owed balance.
I am deluged by credit card offers from Capital One. This unwanted junk mail is a source of great irritation and needless inconvenience as I have to shred the unwanted solicitation. And this continues despite having requested the Credit Bureaus and Capital One to have my name removed from such solicitations. I would like CFPB to impose harsh penalties on such banks who refuse to comply with customer requests to cease soliciation

Below is the email complaint I submitted to MoneyGram 's Online Complaint Page ... 
Received letter from Money Network in the mail to upgrade an account. I do not know what type of account it is and I do not have an account with Money Network and I believe this is a SCAM. If this is not the right forum or site to report this please let me know where.




" I am very sorry to learn of your difficulties while making your payment. While this is certainly an unfortunate circumstance, I am unable to adjust your credit profile. 






3 ) I ENTERED CORRECT ACCOUNT NUMBER, and after the system said hold processing payment It said payment successful and gave confirmation number. I would have no reason to believe my payment was not processed. 


I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized andfraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. in case it is needed to locate the fraudulent inquiry in their system. 
I then asked them to please send me written confirmation that they have complied with my requests and advised them that their failure tocomply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of their willful noncompliance [ 15U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney feesfor each and every fraudulent inquiry. 
Please do whatever is in your power to ensure that Barclays complies with my requests and to avoid other Consumers from
They told me that it would not hurt my credit and I can dispute it and it will be removed. This was false and I was misled into thinking this account would not damage my credit score but it has tremendously. Want this account removed from credit.
They told me that it would not hurt my credit and I can dispute it and it will be removed. This was false and I was misled into thinking this account would not damage my credit score but it has tremendously. Want this account removed from credit.


I know you guys have heard plenty about this but I just wanted to share that Discover has stolen {$450.00} from me since 2011 because of their payment protection service. I never signed up for such service but they have been charging me every month for years.



GE Capital Bank saving account. A number of false statements have been made by the bank officials in relation to the account, affecting my financial transactions. After I contacted the bank officials, threats have been made as well. Please fully investigate.

If necessary, I would be happy to provide you with the correspondence regarding my dispute with Experian. I have summarized the events below for your review. 
As you can see, I have tried to dispute things in my Experian credit file and have done so professionally and well within my rights. Experian on the other hand has failed to fulfill their obligation to treat my dispute seriously and have not complied with the FCRA.
Incorrect name on credit report:

I could never have imagined that a company I supported this much would be the one to destroy my credit worthiness by reporting me late and by closing my account when I have made all my payments to date. I have requested for the pay off amount, the transcripts of all my calls to WDLS and have yet to receive these documents. 
I have tried to resolve this through Wells Fargo Dealer Services but all they do is threaten me. 
This is a scam and should be STOPPED! Even their own insurance department has said that it is a scam! 

In the mean time my credit worthiness is under attack and my FICO score has dipped negatively. 
I have attached supporting documents that will enlighten you more about this unfortunate situation. 

I look forward to your intervention and a speedy reversal of these actions by WDLS.
I am Looking to file a formal complaint against Ocwen bank. All documents requested by Ocwen were submitted several times with conformation of acceptance. They have been using several stalling tactics with both payments ( Public Adjuster Fees / Rebuild monies ). 
I paid my payment on time. Wells Fargo did not credit my payment to my account on time and than reported to the credit bureaus I was late on my payment. I have never been 30 days late on any payment to Wells Fargo.
Paid the debt by Money order
I also contacted Fannie Mae ( as Ocwen is their subsidiary ) for intervention and they have not returned my calls or made any move to correct the issues. 
Their incompetence is beyond belief and is causing me undue stress and anxiety.


Select Portfolio Servicing , Inc . 
I contacted the insurance company and they told me they are required by law to refund the monies to the mortgage company but that I would receive a refund from SPS, Inc. 
I have received neither. 

This is a clear violation of federal law. They would not provide me with the company name, instead the supervisor hung up on me. Another violation. I called back and asked for the company name and was only given SPP.


I requested explanation from Chase Student Loan Customer Care why the balance is not reduced with every payment like when I use online student loan calculators that are showing more than {$20.00} reduction in principal with each payment. Chase response was that the payments are applied first towards the interest, then fees and other charges if any, and then the principal. No more explanation was given although I asked a response from a supervisor and clearly stated that it seems I will stay making payments forever! 


I think this is malpractice. I believe student loan statements shall be as accurate as possible showing a Good Faith Estimate which seems not the case for Chase Private Student Loans. How I am going to pay off my loan if I follow the statement and pay only what is required! I would be losing hundreds or may be thousands of dollars each year if I follow their statements. 


Would you please look into my complaint and attached documentation? 

Thank you,
My Claim and situation surrounds a recent issue with the Credit Dept. of Target Corp., and it could have also been characterized into '' Communicaton Tactics '' as well as their staff having made " False Misrepresentations, '' both from the above drop-down menu. 





Thanks for allowing me to be so verbose.
I am in a HAMP and just received my first escrow analysis in 4.5 years. It has raised my payment by {$330.00} a month. I feel that I should have been notified yearly to any shortages and allowed to stay current with a small increase and not hit with a huge increase all at once. I entered a HAMP so I could stay current on my home and feel I was lied to by the company not notifying me of the yearly increases which were not large, but after 4.5 years have added up to an unfair increase. Also, I feel they never put the proper amount into Escrow to start.
Apple bank closed my credit card without my authorization. When new card was sent out, which I did not receive. Several unauthorized transactions totaling over 18,000 dollars were made. Report of unauthorized atm/check card was made but bank took not further action. Two years later I still have not heard from the bank. To this day, I still have not received a dime from the bank.


I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized andfraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. in case it is needed to locate the fraudulent inquiry in their system. 
I then asked them to please send me written confirmation that they have complied with my requests and advised them that their failure tocomply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of their willful noncompliance [ 15U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney feesfor each and every fraudulent inquiry. 
unable to get a credit score have all positive items on my credit report. my score should be high. there is no score

See attached letter requesting a bill credit or canceling a Chase/Southwest credit card because of unexpected {$99.00} membership fee.



However, they ALREADY report the account faithfully in their monthly file upload to TransUnion, and TransUnion is incorrectly SUPPRESSING this positive/satisfactory information. 



I do not believe it 's fair as a consumer to have to get involved in TU 's business processes or sales models, in order to correct a mistake THEY made. They steadfastly refuse to help me, and I 'm complaining to the CFPB hoping you can apply some pressure and get this resolved. 








I 'm at the end of my rope - please help!!! 
Thank you for your help.





I would like a letter stating that these negative hits are being removed and I need that letter ASAP.
PayPal limited my account and then closed it within 24 hours without providing any documentation for why they are closing the account. They are also holding my funds ( $ {$650.00} ) for 180 days before even telling me how I can get them back. They are refusing to respond to my emails/questions as well as refusing to deposit my funds into my linked checking account. I find it completely unacceptable that I would have to wait 6 months to collect the money that is in my account.
One Main Financial keeps attempting illegal phone calls to me after I have requested for them to stop. I sent them a letter, here it is attached and they are flagrantly disreguarding federal laws in their attempts and they need to be fined in accordance with the do not call policy. Consumers need help against banks like this.
Neither equifax nor experien have a process that works. Online they collect the information then say they ca n't do it, when you call they route you to a dead phone. 
Just a run around. 
Both should be fined heavily for proliferating incorrect information.

PayPal charged me late fees for missing a payment on their own card/Pay Later Plan. I never signed up for any PayPal plan/card and when I told the service representative, she said she could n't do anything about the late fees. All my life I pay my credit card balances in full at the end of the month. The cards are attached to my checking account and are paid in full automatically, leaving no balance. PayPay enrolled me in their Pay Later plan without my knowledge and then charged me when I did n't make a payment. I am very upset and this illegal behavior by PayPal should be put to a stop. 
I hope you can do something about this and get the " late payment fee '' returned to me. 
Thank you. 


They are dishonest, rude, and been harassing me on the phone for weeks
Dear Sir or Madam, While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by Chase Freedom. I did not authorize anyone employed by this company to make any inquiry and view my credit report. Chase Freedom has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This isa serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized andfraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. in case it is needed to locate the fraudulent inquiry in their system. 
Please do whatever is in your power to ensure that Chase Freedom complies with my requests and to avoid other Consumers fromexperiencing the same kind of abuse of their privacy rights.
FRUSTRATION SETTING IN! 
I had a Best Buy Mastercard for several years. Out of the blue I noticed a {$59.00} annual fee that was never there before. I called and was told they are now charging an annual fee so I asked them to close my account. The {$59.00} fee is still due and I have been told that I must pay it or my credit will be affected. I never paid a fee before, nor did I use the card in many months that would result in a default acceptance of the fee by using the card.
My aunt recently passed away. I have been appointed executor of her estate. She was unfortunately the last remaining relative in my family and I have been grieving uncontrollably over the past year because I have no help or support available. 

I paid the card off in full by the due date and thought everything was ok ; I paid off the 0 % balance. 




I would like for this company to be investigated as much as possible. It is not right what they are doing. On a final note ; I know that cancelling the cards will affect my credit score .... but I am willing to take that hit and separate myself from a corrupt corporation. 


I have called debt management to confirm statue of limitations is 7 years. They have called relentlessly for years. 

I would like your help in contacting them and I would like to press charges for their scary tactics that has seriously done damage to us. 

My loan has been under 78 % LTV and I have requested in writing twice for Wells Fargo to drop my PMI coverage as the Homeowners Protection Act of 1998 states. They refuse and state I have to have it for 5 years. I have been under 78 % for more than 3 years. They state I have to be under 78 % and seasoned 5 years.
Agency refuses to update my account to the credit bureaus and supply the information that my debt has been reduced after consistent monthly payments. Under Sect. 623 of the Fair Credit Reporting Act, they have the duty to report supplementary information to the credit bureaus. When I have called them about it, they are insulting, abusive. I waited on hold for 45 minutes while they supposedly researched the statute but I finally had to hang up, so I could n't hear what conclusion they reached.
AFNI is continuing to report to the credit reporting agencies a debt that did not belong to me. 2 years ago they sent me a settlement offer for a debt which I did not recognize. It was a small amount so I paid it to avoid further collection activity. Since that time, I have requested several times from them proof that the debt was actually mine and they have ignored my requests each and every time. The name on the debt does not match mine and it is for an address at which I have never lived. Despite my disputing the debt, they continue to report this debt as settled on my Experian credit report.
I use PayPal very rarely. I learned that they had signed me up for a service called Bill Me Later without my consent. They ran a hard credit inquiry on my credit report, and harmed my credit score.
Getting a statement should not be too much to ask. It occurs to me that not providing statements is a convenient way to collect fees or indicates they do not have systems in place to meet basic customer needs. 
I have been a card member for 27 years.
Instead I get a letter from " Crosstown Law Firm '' with none of the information requested, which I am entitled to by law. Furthermore, the letter gave me 5 days to respond ( letter came 20 days later ) or I was validating the debts -- also illegal. 
I believe a financial institution should not hold customer funds for two weeks. 
Sincerely,
Thank you!
Here are my concerns : I 'm concerned about the accuracy of the loan payoff amounts on the letters. 
I 've spent a considerable amount of time corresponding with Navient to resolve this. 
While I wait for the letters, interest continues to accrue on my loans - a higher rate than what would accrue if the loans were consolidated, which I can not do until I have the letters. 
If I do n't submit these letters to the credit union for my consolidation application within a certain time frame, they 'll cancel my application, causing me to start over from scratch.
Midland keeps reporting on all three of my credit reports that I owe them money. I do owe them any money. I do not owe any credit cards that they have bought.

After sending back requested information, they still refuse to correct and/or remove incorrect information therefore when I apply for credit, I 'm denied because the fraud alert placed due to identity thief requires that they call me before issuing any type of credit in my name
UNCLOSED ACCOUNT after several request. CREDIT BALANCE origin is unknown. 

Please see about getting the credit reporting companies policy changed with regards to SSN and names. 
Thank you. 
I call then send back requested information but they still refuse to correct and/or remove incorrect info therefore when I apply for credit, I 'm denied because the fraud alert placed due to identity thief requires that they call me before issuing any type of credit in my name
Despite all this, our account is up to date.
What Happened? 



Key Bank is discriminating against homeowner claims, in a form of reverse discrimination ; holding the mortgage in extended processing, denying a loan modification while homeowner is qualified. 


This homeowner, feels that her case has been unfairly treated for the following reasons:1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person. 
2. Currently there is no single point of contact assigned to the pending foreclosure. 
8. Homeowner is in a state of fear created by the collection tactics by Key Bank collection department. 

The Banks ' failure to discharge their required loan modification obligations, during homeowner 's honest attempt to save their home from foreclosure. 

Alleged violations, included, but are not limited to, the following : a ) Failing to perform proper loan modification processing ; b ) Failing to manage processing agents and special points of contacts, therefore causing the processing center unable to handle homeowner 's caseloads, a form of mortgage discrimination against homeowners.

Please forward my complaint to the right department so that this matter can be investigated properly. 
Very frustrated by their ill treatment. 
I call then send back requested information but they still refuse to correct and/or remove incorrect info therefore when I apply for credit, I 'm denied because the fraud alert placed due to identity thief requires that they call me before issuing any type of credit in my name
Credit Systems International continues to call me multiple times a day from multiple numbers throughout the state of Texas. I have repeatedly asked for verification of said debt in writing, which they claim to have mailed multiple times. To date I have not received any communication other than multiple phone calls from this collector. 


I have asked again via phone for this company to stop calling me. I was provided w/ their mailing address below and plan on sending a cease and desist letter via certified mail until they can validate this debt. I have also requested that they send me a letter via certified mail if they are in fact having issues getting a letter mailed to my address. 

Any help with this is greatly appreciated. The collector is more concerned with how I plan on " handling the debt '' instead of helping me verify that this is a legitimate collection. I will not be making a payment until the debt is verified in writing. 

THese people continue to call my job after I have repeatedly told them to stop. It 's harassment and illegal. I am not allowed to have personal calls at work.
I have repeatedly asked them to provide the following, below ( items 1-6 ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job.

Dynamic Recovery Solutions is contacting myself and my husband daily, with very threaning attitudes. I have received a letter in the mail also. This is not my debt, I do not owe this money and they will not leave us alone.
In processing and deniying an loan modification, the servicer, in a complete lack of transparency, committed muliple mortgage servicing violations as delineated in the attached PDF. They further stated an appeal was not submitted and it clearly was by and through my office on behalf of our client.
I want Asset Acceptance Corp. to acknowledge that this account on my credit report is re-aged, has become a zombie debt, and needs to be removed immediately. I have no plans on seeking legal action against them at this time, I would just like this resolved. 
During the time she was sick I let some debts to the city that were on a on a payment plan go unpaid as all funds went to medical/ caregiving. 
I have been in contact with the collection agency trying very hard to mediate a reasonable resolution and to square up with them as this balance has frozen my ability to obtain a State Drivers Licence. 
Under the circumstances surounding this debt can I challenge or petition the courts to reduce the amazingly ridiculous penalties and interest? HELP! : )
My wife and I have been trying to get an answer to a simple question for 6 months now : can we get a PACE loan from the county without defaulting our existing loan? 


This is a simple yes or no question that apparently nobody knows the answer to.
I disputed some inquiries that I do not remember doing or recognize. My understanding is that I may dispute anything in my credit file. Then the credit reporting company is to contact the furnishing of the information to the credit bureau to verify. If it is verified then let me know or if its not then delete. Well I received a email from Equifax telling me that inquiries are a factual record and if I disagree than I need to contact the creditor. Well that tells me that Equifax did n't even look into this dispute. That 's not right I have a right to dispute anything in my credit report and the first step in this process is to start with the credit bureaus.. Then they need to do there job and investigate.
Citi may argue the promotional rate already ended even earlier. That is exactly the trick they play. Unlike other credit card companies that specifically states the date the promotional rate ends, Citi ambiguously states the rate ends in a certain billing period, with no specific date given. So Citi may argue the promotional rate ends at beginning of the billing period, rather than end of the billing period as we customers would assume. 
For people to prevent from making the same mistake, I recommend applying for cards that states clearly when the promotional period starts and ends, and avoid credit cards vaguely describe how interest charge is calculated, so that you will not be surprised.
Fraudulent accounts along with credit cards and loans using my credit report and social security number.
Upon dispersement of each student loan, I paid hefty fees for loan guarantees to a loan guarantor, so that in the event, for some reason, I was not able to pay off the loan, the guarantor would pay off the loan on my behalf. 
Since then, my government backed student loans have kept in good standing only because of the Income based payment plan option, for which I am grateful. 
The major complaint : Since then, SallieMae foreclosed on my private student loans. SallieMae received a complete payoff from the guarantor for the balance of my private student loans. Although SallieMae recognizes that the loans were paid off in full by the guarantor, SallieMae continues to proceed with collection processes, & additional interest, collection, & etc. fees & charges, through it 's spin -- off & collection agency companies. 
I paid a guarantor for guarantee service & when I signed, I never anticipated any chance of needing the guarantor 's pay off for my loans. However, I never signed, & would never have agreed to double indemnity on my loans. Since SallieMae has already collected account balances for my private student loans, SallieMae has gained much profit & no loss on my loans, even though I defaulted. 
Given my poor financial situation, SallieMae 's double indemnity & double profiteering is not just unethical business, but also criminal since it prays on folks who have the least financial resources & least ability to pay. SallieMae should be prohibited from infringing such double indemnity & double profiteering. I pray that Congress & other law makers put a stop to SallieMae 's inflicting my described double indemnity on borrower 's.
There is a public record judgement reporting on my credit file and it is not mine. I have requested the removal many times and they have not removed it.
The promised card benefits ( purchase protection ) was not honored
I ordered something on the internet and thought I was using PayPal where they immediately take it out of your checking/savings account. Months later I received bills from PayPal with several late charges for a credit card that I did n't know that I had. I called them and told them that I did n't know I even had a credit card account with them, and they removed some of the charges but said I still had to pay {$26.00}, which I did. However, I received ANOTHER bill for late charges because they said I did n't " call back and make arrangements to pay the bill over the phone. '' I told them I had already given them a date that I would pay it, which I did on said date, and they said " you have to call back and tell us that and we can not remove this late charge now because you did n't call us back to tell us the date you were paying. ''
I co-signed for a relative 's student loan at Wells Fargo Bank. The relative moved out of the country and I can not reach them. Wells Fargo demanded that I repay the loan I co-signed for and I have been doing so for almost a year. Since I am repaying the loan I asked Wells Fargo for access to the loan on line. I think my relative 's parents may be trying to make some payments on the account but without on line access I can not find out. Since I co-signed for loan and since I am making payments on loan why can bank refuse to provide me with on line access to an account that I am legally obligated to make. Bank tells me that only the original borrower can authorize me access to look at how my payments are being credited. Is that true? Can they block me from seeing how and when my payments are applied to a loan I am legally obligated to make on line? They state that I can call them for this info at any time and they will give it to me over the phone or by mail but I can not have on line access. I am a Wells Fargo Bank customer and although they told me initially that I can have on line access to my checking account, credit cards and all loans they stated that student loan co-signers can not view their loans with them unless the original borrower who is in default calls them and grants me access. What rights do I have to this loan information?
I getting almost daily calls from this agency, threatened and tried to garnish my unemployment benefit, I am still unemployed
They leave messages telling me to call in re debt collection. I called them to find out what it was about ( the previous owner of my phone number incurred numerous debts ; I have had calls from collectors before ). They demanded my social security number in order to " reference my account ''. I naturally refused and told them " you called ME, so clearly you already know something about me with which you can look up my so-called account ''. They hung up on me.

I have called both the credit bureaus and the collection agencies. They said they can do this. This is not consumer debt these are fines. Traffic Violations are not reported to credit bureaus. Therefore all of these fines which are not mine should not be reporting on my credit bureau.

Daily calls from the debt collector to collect a debt for someone that does not live at this residence.
This is not my bill. I am disputing the experian credit bureau to remove this from my credit report
I closed my Chase mileage card last year. At the time the service rep told me the annual member fee will be refunded, and I have no other balance on the card. I did not hear from Chase until earlier this year. I got a letter from Chase saying that my account was in significant delinquency, and was about to be charged off. 
After receiving the letter I called Chase, the service rep was able to see that the membership fee never got refunded, and meanwhile late payment fees was incurring. The service rep then told me that he would clear the account and also contact credit agencies. 
I check my credit score this morning ( a few months after the call ), the entry from Chase is still on my credit report. I call Chase and they told me they have to open another investigation for this matter. It seems like nothing gets done and meanwhile my credit score took a big hit. I am very disappointed in Chase.
As the card member, do I have the right to be notified immediately when my credit card is supected of fraudulent actiivity?



Called all of my family members they could find and gave them a number that is no longer in service. When I did receive there call personally they told me they were going to sue me for debt that I do n't owe and which is probably ten years old. They refused to take my lawyers information or give me any information to contact them.
I do not have an account number, no one here has any accounts owed to this collector. No one they are looking for works here. Also, per the Fair Debt Collection Practices Act, a debt collector CAN NOT continue to call a business that has asked them not to call. 

Please fine this company heavily!







Amyowner of the house!


Additionally, the voice mail and collector uses term " case fie '' to describe my account number with them in an attempt to misrepresent the legal status of the account.
I was asked severeal security questions, none of which I recognized. I also noticed inquires from places I did not authorize.
Incorrect information on my credit report. I paid on time but the creditor took 4 months to process my payments which in turn made me look like i was late and they are not disputing that the problem was on their end.
The Alessi - Koenig law firm sought to collect a debt -- {$2300.00} in attorney 's fees -- for services that were not performed.

Thank you. 


incorrect information
I request that CFPB investigate this matter thoroughly, and penalize these offending parties for not acting justly, and in good faith, to restore my good credit, and failing to abide by the terms of our agreement.
I AM GETTING REPEATED PHONE CALLS TO MY JOB
I filed bankruptcy in 2009. My bank that held my mortgage at the time was not included in the bankruptcy. I did not the bank to be included. The bank claims that ... due to the fact they did not receive from my attorney a " letter of reaffirmation '' ( that my attorney claims is not mandatory in New York State to protect the consumer ) so they refuse to submit my payments to the credit bureau. I continued every month to pay on time the amount of my mortgage for 5+ years to re-establish my credit. Recently I requested my credit report to find that the bank never reported my payments! I had worked so hard to make these payments. They said they refuse to report the payments to the credit bureau due to the fact they never received this letter of reaffirmation. I was shocked! I now on my credit report have no record of all those years payments and they refuse to submit them to the credit bueau even though they accepted all those payments for 5 years and sent me a " thank you '' letter for servicing my loan when it was sold. 
It was suggested that I sent a record of payments to the credit bureau to prove the payments were not only made but that were in excellent standing. I did that and the credit bureau refuses to put these payments on my report! The records I sent them came directly from the accounting dept of the bank that claims I did not pay them! I also sent the " thank you '' letter from the bank for servicing my loan and a letter from my attorney proving the bank was not included in bankruptcy to the credit bureau and they still refuse to add my payments to my credit report claiming the information means nothing ... only what the bank said matters!! I sent them proof I made the payments! I am at a loss of what to do at this point ... ..They have ruined my credit! My report is ruined and my score is very poor due to this act by the bank and credit bureaus. Any information I can get would be so appreciated for I have to fix this. I am a senior on fixed income and without some credit it is hard to survive ... ..thank you for any help you can provide in this matter ....


I was approved for line of credit and i never used the card with the hope that i will use it for when i really needed. But when did need it i found out that they closed it because i didnt use the card


*On the info I uploaded with messages it is kinda scattered dates because thats how it came forwarded to me*
I talked to them and they said it was for a old account But since I was on the way to work and driving I told them I will call them the next day and this person said " NO you have to call me today " I ended hanging up I was on my way to work and could not hear her I ask my wife to call them and they would not give her the physical address they gave her a po box and did n't want to provide anything alse unless she gave them information about me like birthday and she told them she would not provide any information to someone who will not give her more details about it. I need to know how much and if this is legit.
I received a letter in a name close to mine asking me to settle a debt. I do not know this company or owe this money.

Berks collection has an entry on my credit reports that i am ot aware of. They are refusing to provide proof that i owe them this money.
Original debt from 2007 has since been disputed multiple times and sold many times. Current debt collector Oxford Law has been told the debt is disputed, it is past statute of limitations and asked to not contact me anymore. They have repedadtly called my family and work phone. They refuse to stop contacting me. I have blocked several phone numbers and they now use 3rd party services so call.
Please help me stop this. When I called Wells Fargo to drop the case they said they would, but they wo n't.
We have been trying to modify our loan after our hardship and have submitted documents to the america 's Servicing bank several time for several years and the bank never sent a resolution to our request. I was told by the services that our loan was in review the last time in 2011 but We never received a denial letter or a request for more documentation. Despite that, we have continue to contact the bank and sent modification packages with no response. We found out today that our house has been foreclosure back to America 's Servicing Co. And we do n't know how to proceed. With no place to take our family and not knowing what to expect.
Law Firm Patenaude & Felix keep harassing me with calls to me, my mom, and now my work. This is for a debt that is not mine or one that I do not recognize. Regardless, they are in violation of credit collection laws and my privacy to be contacting family and my work!

With non-functional dispute website and not responding on phone, I am left with no option but to file a complaint.

Collections representative working on behalf of Check Into Cash called my ex wife and told her that I may have committed fraud and that they were looking for me, even though this debt and the checking account in question were either acquired after our divorce or before our marriage, in clear violation of Section 805 part b of the FDCPA.
I made numerous call to American Express, and I was promised a card.
Time passed and I started a business. Everything went very well for a time. Then, I had a rough quarter and fell slightly behind on my mortgage payments. I asked WF several times to review me for a repayment plan but they refused. I continued making monthly payments but was in a bit of a delinquent status due to my temp. inability to catch up all the payments at once. 
This was next to a notification of a package delivery. I feel I had notified them of my intentions of Bankruptcy. I did change attorneys. I also advised them of being ill and my inability to pay.


RAB Performance Recovery is apparently insistent that I owe this debt and has provided no proof of the validated of this debt. And I highly doubt any proof was provided to the court either.


Hello everything was not cleared and this is another complaint. I had mentioned in the complaint before to clear it with the bank of the debt I owed, and the bank did there job and when I went to open an account after being told it was clear from the Chex Systems credit. It has not been cleared, I need to open an account for my job it is required and I am unable to due to the fact Chex Systems has n't cleared it and I am being told to many things for something not to have been handled by now.
The debt collection agency in question contacted a family member 's cellphone without any authorization. They provided details of the debt, including the amount, to the family member. The agency later denied contacting any family members.
I was erroneously refused an early termination option as stated in my lease for an automobile. The car 's motor blew out after only 4 months of responsible driving/maintenance and was under warranty. However, I was not provided with a loaner vehicle and payment was demanded for an inoperable car that is no longer in my possession. My references have been harassed via telephone by AutoStart, who continues to illegally disclose claims that I should contact their office due to a late payment. The office/lot staff has been uncooperative, standoffish, and it seems I will continue to be subjected to an unfair breach of contract, dishonesty, and unfair auto leasing practices.
I have make pay multiple payments during a month. Lowes is purposely post dating payments weeks at a time. The will post date any payment made after the initial bill is paid with their online payment center weeks at a time or even the next billing cycle without the knowledge of the customer. 

The customer may see payments being delayed weeks and even to the next billing cycle. 


They believe it is " legal '' to purposely post-date a payment a customer makes to the next billing cycle, NOT defaulting to the current date. If a customer happens to miss that they post-dated the payment, they are unconcerned with the matter. 

This poses problems with customers seeing bills they have paid being delayed weeks even up to a month, without their knowledge. Which causes problems with customers tracking bill payments that have failed to post for up to a month. 

Lowe 's attitude towards this is, " tough luck '' we set up the post dating payment intentionally that way, and it is up to you to figure out that you have change the post dated payment to todays date. 

This only occurs with customer who make multiple payments within a billing cycle. 
This action deliberate on their part can cause late payment fees or insufficient funds fees being placed on a consumer because of their poor billing and payment options. 

Can you please address these poor practices with them and educate them on proper billing procedures that do not mislead consumers into post-dating payments unintentionally, as Lowe 's Credit will have you do.
I was sent a check in the mail to get cashed to pay bills for someone. The check was accepted through my bank til 3 days later it came back as a fraud check. I did not realized that the check was a fraud check until after I withdrawal the money and sent it off.
The amount demanded far exceed what I can pay without being completely impoverish. The company refuses to be complient with my needs, therefore no payment plan is reached and no payments are made, driving up the debt exhorbitantly.



Once I got the appraisal ( which put me at 67 % LTV ) the same employee told me to call the customer service to submit it. 
Customer service informed me they do not accept appraisals from anyone other than their own appraiser, RELS Valuation. 


The appraisal was ordered and came back in {$47000.00} below the appraisal I had done. This put my LTV at 78 %. But Wells now wants the LTV to be 75 %??? 




Upon reviewing the terms they have listed for all types of checking accounts, I do not see this expression used anywhere. As I recall, the bank employee I spoke with referred to it as something along the lines of a reverse payment. 

They can call it whatever they want, but unless they are admitting that they are engaging in bait and switch tactics and lack the legal and ethical standards that any banking institution, especially of their stature, would uphold-however optimistic a view this may be in today 's economic climate considering that the bordering on fraudulent and deceitful practices of these banks are commonplace, which in no way should excuse them. 
Part and parcel, this is an overdraft fee, wrongfully and connivingly instituted by the bank clearly illustrating a full-fledged violation of the contract between myself and Wells Fargo which eliminated the chance incurring overdraft fees in any of my accounts. As per their claim that this constitutes a mitigating courtesy they provide, I would like to know who defines courtesy or, moreover, for whom this trulyis a favor, as without my consent or permission, the beneficiary is only the bank.




If you 've completed your contract for the vehicle and are now in possession of the out of state title, then please send us your out of state title with either the loan stamped paid on the face of the title or the title along with a letter of lien release that includes:1. ) The company 's letterhead2. ) The vehicle identification number3. ) Names of all owners4. ) Signature of an authorized representative of the company. 

What we will need to process your transaction is:1. ) The original out of state title. 
3. ) A statement with your current address. 


More importantly, they do not return phone calls and/or do not respond to emails at all. When I call in, I either get transferred all over the place or I am put on hold for an extremely long period of time. Today someone called me, I gave them my information, and they hung up on me. Nobody will answer my questions about how to remove PMI from my monthly payment, nor will they answer questions about what appraiser they use in my state ( CA ). If I am forced to get an appraisal, I should be able to sue any licensed appraiser I want. Not one of theirs who will price-gouge me. I think Nationstar Mortgage is dragging their feet because they have no incentive to eliminate my PMI ( less money for them ).
PayPal signed me up for a loan when I thought I was paying for some goods with my checking account. I did not want to open a credit account with them.
central credit calls at least once a day asking for an employee who does not work here. They have been told repeatedly that he does not work here yet they call daily.




Also, if your bureau really stands for consumer protection, I would expect you to go after such practices and remove them from existence before they occur. 



The vehicle was surrendered as agreed upon by santander and myself. They are reporting it as a repossession. They have refused to correct this and have stated that they do not need too even though it was on a recorded line. I have asked them to change it and adjust the costs and they refused.
Thank you.


Listed on all three credit reports by Capital One. 

Capital One Auto Finance provided a statement regarding erroneous 30 day lates on my credit report and attached a transaction history of my payments covering the time period in question. 
Similarly, Capital One Auto 's response as demonstrated by their own records is equally unfair and insincere. 
The proof lies in the transaction record which Capital One Auto Finance provided. 
Attached is the transaction log which is below the insufficient response from a Capital One representative who clearly ignored the facts evidenced by the records she supplied.
I am one of many affected by the PayPal Bill me later scandal in which it forced me to open a line of credit without my permission or consent. It forces you to think you are verifying your account rather than opening something new. I 'm curious how to receive compensation for this error and loss of time and finances. Hoping the consent order filed today is approved.
Note : Please see attached supporting document. It is dated!!
WHILE PURCHASING A VEHICLE, I WAS TURNED DOWN BY ALL THE BEUARAUS BECAUSE MY SOCIAL SECURITY NUMBER HAS BEEN REPORTED THAT I AM DESEACED.
Caller called my place of work and stated they were calling from " Performance '' company and that my daughter gave my name for a reference yet they refused to explain anything except tell me they needed to talk to her. The woman also mentioned another family member and my daughter told me she never used either of us as a reference. The are giving false information ( company name ) and lying about her giving me and another family members information. I am not callow ed to receive personal calls at work.
i was given a mortgage i did not uderstand and did not qualify




I have tried a few times to check my credit and I am unable to get my credit report. It keeps telling me the information does not match when everything is 100 % correct. I do n't know if someone could have stolen my identity?
I have car lease on my name but the car is for my daughter ; she has bad credit and thethe financial company refuse to pass the contract lease to may Daughter ; we my wife and myself wear in the proses to refinance de mortgage and the late payments of my daughter affect our credit it is my problem l
debt collection claims a debt from 2004. Is unable to state the source or the original amount. The were requested to stop phoning and to contact only by mail and to produce a copy of the original debt. Also the failed to provide a licence number for debt collection as per arizona law.
Did not try to call me to fix problem.




Low and behold, I got a statement in the mail 2 days ago. My question to them was " WHY AM I GETTING A STATEMENT ON A CLOSED ACCOUNT? They are refusing to close the account. I need this taken care of. I can provide the account number if needed. I checked my credit report and it still shows as an open account. HELP!!!
Later the next year my loan was sold to another mortgage company.
1 ) I never wanted PayPal Credit because I have a PayPal Account2 ) They should have billed PayPal like I intended them to3 ) I never received a bill or phone call or I would have paid it as soon as I knew about it! 

When I called them and told them I wanted to settle up on the bill when I found out this is why my antivirus purchase did not go thru I told PayPal to charge my Credit Card yet the charged my bank account and caused a couple of my bank payments to bounce!
Portfolio Recovery is aggressively attempting to collect a debt I discharged in bankruptcy. They are reporting this debt on my credit report as an active collection. I notified them of this 2 months ago yet they refuse to remove this from my credit report.
The company holding my debt served my father, at an address that I did not live at. I was unaware of the lawsuit and failed to attend the hearing. I was assessed an additional 25 %. I tried to talk to the company, but was told that my time to contest the lawsuit had passed ( even though I was never informed of the lawsuit ). 

I have been paying monthly ever since I was notified of the judgment, and do not get any kind of statement. Nothing that shows how much I paid that month, nothing that shows how my payment is applied, nothing that shows how much I still owe, and nothing that shows how much interest they are assessing!
Received unsolicited Visa debit card from netSpend.
My mother is a victim of financial fraud. 

.. Discover Card
Try it yourself. 
I do n't need my report. I have them. 
They also continue to put back inaccurate information that they deleted, but put back after I get off the phone with the person in the security department. 
What are you doing? The people who deal with credit bureaus are truly afraid of them, as this is the only part of this agency that ca n't seem to get anything done to help consumers. 
Also, I ca n't afford to pay {$58.00} for a fico score, which is what I really want. 
That is absurd.
Please help me get my {$17000.00} paid back to me for a credit card opened and had been active without my knowledge or approval.
See attached documents.
halsted financial service CALLING ME ALL TIME OF NIGHT AND DAY.THREATEN ME TELL ME THAT THE ARE GOING TO PUT COPS ON ME AND CALLING MY JOB ALL THE TIME



Then the loan got transferred to Green tree. We were informed that our modification agreement would no longer be honored, and that our new modified payment would be {$1800.00} a month. No explanation was given, no paperwork detailing why or how the new modification would work. We tried repeatedly to call in and get answers but Green tree was very deceptive and elusive. We do n't understand how or why this happened. Apparently, no one at Green tree can tell us. We talk to a different person every time we call in. We are given a different story every time we call in. Green tree would not review us for any options or alternatives, they would not assign a dedicated contact they would not work with us in any manner whatsoever. Not only that, but after they moved us into foreclosure their agents LIED to us about the date of our foreclosure sale.

Since that time, TD Bank has refused to talk to me. My husband 's death constituted a hardship, and I have been unable to work on a loan modification, request Florida 's Hardest Hit Funds, or appeal to any other kind of avenue to prevent a default of the loan. 

Despite not being on the Note, I am an owner of the home and should have been serviced. Up to this day I have not yet been serviced - the loan has been forwarded to a foreclosure department of TD Bank, and that is all they have spoken to me about. 

Per CFPB rules, as a successor in interest, I should have been serviced. There was a negligible default on the property of {$540.00}, which has ballooned into {$6000.00}. It continues to snowball. This is a problem that could have easily been fixed had I only been serviced. 

As a result of the default I can not even refinance. I have equity in the home and am perfectly able of catching up - I would also qualify for the hardest hit program with a simple assumption of the loan.
THIS JUNK BE CRAY. I CANT STAND THAT THEY CALLING ME ALL THE TIME THE THE ACCOUNT AINT MINE. SO I SENT A CEASE AND DESIST THINKIN THAT WOULD HELP BUT IT DIDNT SOOS I SENT THEM ANOTHER. NOW THAT AINT WORKIN
I was contacted by an unknown number this morning, and when I answered I was informed that whoever was calling was looking for my father. They asked to speak with him but I was given no other information such as who was speaking or where they were calling from. Without knowing who I was speaking to, I did not disclose any information. Rather, I asked the caller to identify herself and after various attempts she finally gave me her name. I then asked her where she was calling from ( as in which company ) and she refused to answer. Instead she kept asking for my father. When I would n't disclose if I knew him or not she hung up on me. At this point I was curious as to who was calling soliciting information about my father so I called the number back and asked where I had called. The representative told me I was calling Glass Mountain Capital. I went online to see what this was and found out that it was a debt collector. 

My issue here is the fact that after various inquiries, the debt collector failed to disclose the fact that she was a debt collector. If I had n't called the number back, I never would have known it was an attempt to collect a debt.
WHY THERE COMPANIES OUT THERE THAT HAVE THE SOUL PURPOSE TO TICK PEOPLE OFF. THEY NO LISTEN TO ME I TELL THEM ALL THE TIMES THEY CALL THEY HAVE THE WRONG PERSON BUT NO. THEY BUT IT UP ON MY REPORT AND CALL NO STOP.



Also I responded to them 5 days after I received the notice from them and they still ignored me and placed the account on both my personal and business credit.
NO SABE WHERES THIS COME FROM. ITS NOT MINE AND ME NO CAN HAVE IT ON MY REPORT. O HAB THEM CALLS ME ALLS THE TIME. SENT LETTER TO STOP BUT THEY NO DO SENT NOTHER ONE STILL CALL AND ON REPORT



Please advise if you require any additional documentation and I will promptly provide same which shall confirm the fraud. Simply stated, Bank of America has violated the Federal Privacy Act, among other illegal acts.
I SENT A LEGAL LETTER ASKING THE COMPANY TO STOP CONTACTING ME AND TO NOT REPORT THIS ACCOUNT ON MY CREDIT BECAUSE ITS NOT MINE AND THEY HAVE YET TO DO SO
APPARENTLY SENDING A LEGAL NOTICE MEANS NOTHING TO THESE PEOPLE BECAUSE I SENT ONE AND THE COMPANY KEEPS HARASSING ME AND HAVE PUT THE ACCOUNT ON MY REPORT
After telling them not to call my work, which is at a restaurant. therefore falling under the inconvenient clause. They continue to keep trying to contact me there. They also keep calling my parents house after they have repeatedly asked them not to.
Prime Acceptance Corp makes call after call all day long from multiple phone numbers! I own a business and it 's very disrupting while I 'm trying to talk to my customers! They harass my wife in the same manner and she works in the medical industry!? This harrasing disrupts her while trying to deal with patients! This is not border line harassment it 's full blown harassment! 

Oh wait a minute! If this is not enough! If I do n't answer they call the people that you used for references and ask them where we are and are we going to pay our bill! BTW I HAVE WITNESSES!!! 

I am going to talk to my attorney and see if I can file a lawsuit tomorrow! No more Mr nice guy here! We have been putting up with their unprofessional, harassing behavior long enough! I need someone that can stop their bullying tactics and shut them down! 





says i have home loans and credit cards out ... 
I have never taken a loan and i have never had a credit card and some info is wrong like my current address and employer ... 
Something has to be done.
I am not able to obtain my experian credit report or report #


I would like to request your assistance in getting my insurance check ASAP since it became impossible to do business with Seneca Mortgaging Services. 
Turned down for a VA loan by loan officer at price financial services.
Debt is stale, from 2003. 
How complaint can be satisfactorily addressed

Other than the slowness of moving my funds from my bank to Ally ( it took 5 to 6 days rather than their advertised 2 to 3 day period ), my experience with Ally was basically meeting my expectations until the events of the past day. I had successfully set up secure access to my Ally account via both their regular online login system and via their mobile phone application. 
Two days ago, I changed my home phone number due to the increasing receipt of numerous scam and fraudulent calls, and within hours had gone online and promptly notified all of my financial institutions and other service providers of my new home phone number. There was no change to my mobile ( cell ) phone number, address, or any other information. My updates to my home phone number at all of these accounts, including Ally, were done via the usual secure login systems. 

Thank you for your careful considerat
I just received a returned payment charge this morning caused by this incident. I am going back to the bank this morning to discuss this. This has caused me a great deal of stress and inconvenience and now I 'm sure my credit worthiness is being affected. I am purely a victim if either incompetence, ignorance or maybe even criminal activity, and at very least my credit standing has been damaged. When I asked the Mgr if there was anyone above her that I could talk with she ignored me. She did not tell me bye, she did not apologize, she refused to even make eye contact ... ...
this is the worst company to deal with. customer service is awful. i ca n't get ahold of anyone. the website is so incredibly bad that you ca n't pay a bill. so the only way to make sure you pay on time is to pay by phone for a ridiculous pay-by-phone service charge. they are the bottom feeders of the mortgage world. this is my mortgage, and i ' the one paying back a quarter of a million dollars and i can not deal with the company i 'm giving my money to. i believe i should have some say in where my mortgage goes and who is handling it. Based on EVERY review i can online says this company is evil. someone should take a look.
I am sorry to trouble you with my problems. I am a very strong woman, but I have run across a scenario that I can not manage on my own. CitiMortgage/CitiBank is trying to sell my house through foreclosure, but is n't taking the time to try to help me save my home. The set of circumstances that led me to where I am today were beyond my control and no one at CitiMortgage has been willing to take the time to sort out this problem. 







A garnishment/hold has been issued on my bank account because my son is on the account. The debtor did not submit an court order to appear in court. The debtor was given automatic permission to seize my bank account.
I was notified by a family friend that this person called him and said that it was important that I get in touch with them. When I called it was Dynamic Recovery Solutions and I have NEVER received any call letter or any direct communication from this company regarding a debt that supposedly owe to them. I think they are using embarrassing tactics to get people to call them by calling friends and family members, really? this is invasion of privacy. In, addition to the fact that they have not sent me any communication notifying of my rights regarding this supposed debt that I know nothing about.

We have been mistreated and misled by the representatives at Rushmore. We can not understand the poor treatment we have received during the servicing of our mortgage loan. 




I was constantly submitting documents trying to complete the application for a modification of my loan, many of them submitted multiple times due to the complete incompetence of the Rushmore staff. I was never given a single person to deal with. I just repeatedly submitted documents to a department. And of course, my application was eventually denied as the supervisor had predicted. 

Rushmore 's entire operation acts like a group of bullies and thugs, not businessmen. I want Rushmore to take a hard look at the servicing history of our loan and give us some reasonable options to save our home and get back on track with our mortgage. I believe our loan qualifies for help and Rushmore should provide us with a loan review for a loan modification or restructure. Rushmore had turned our life upside down with deceptive, unethical and probably illegal activities and have proven that their organization is nothing other than a greedy company interested in profits without care for the wellbeing of Rushmore clients. 


Thank you for any assistance you can provide.
This company has called my mother, my brother and threatened to contact my ex-husband and my father. They make multiple calls in a row to me and have contacted other people " trying to locate '' me.
Please advise? 

I was not properly notified about the lawsuit or garnishment.

I was told that a creditor is seeking a lawsuit for the amount of {$1900.00} and that if I am willing to resolve this amount and if I am not that the suit will be forthgoing. They stated that they have attempted to send correspondence to my residence ( which I never received ) the address he stated was incorrect. 

I am not sure if this is legal under the Federal Fair Debt Collection Practices Act and I am hoping to get assistance in preventing additional calls and legal proceedings.
Quicken Loans did not calculate our escrow correctly with our new home resulting in having to pay an unreasonable amount of money. After living in our home for the first year, QL sent us a check because we overpaid escrow. I called QL, and they assured me that it was my money to deposit into my bank account and do with what I pleased. Since the new escrow calculation, the amount the check was for is the amount I owe in escrow. They did not calculate our home with the land the last year which caused us to have to pay an unreasonable amount of money.

I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. 

Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. 

Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I 'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me. 

They are constantly contacting me after this letter, signed and certified that they received it. Also, I requested an investigation and it still was not removed from my credit reports.
I changed from office/owner to hourly employee! with a drastically pay cut! 
I found myself homeless ( house foreclosed on! ) and owing money I could not repay! I called Region 's Bank and explained to them my status! They ( same day I called ) immediately came and took ( repossession ) Motor Home! Yet after them taking Motor Home my Debt with them went UP! they did not give any value ( for what they sold it for )! They keep showing recent payments! I have notmade any payments to Region 's Bank for Motor Home once theyReposed it! 
Due to my misfortune 's and the Banks tactics I have no choice butto file Bankruptcy!
The company claims that my husband owes them {$84000.00} in student loan debt. The loan does not belong to them, but they are trying to make payment arrangements with us. They have also called and harassed my neighbors and landlord.
Repeated calls
I received this creditcard ending in at my request.. Icontacted them several times to CLOSE the account, but I 'm still receivingpromotions and statements.
Company garnished my bank account along with those that I was associated with even thought I was in a payment agreement with them and current on the payment agreement with no notice or attempt to renegotiate the agreement.
Company garnished my bank account along with those that I was associated with even thought I was in a payment agreement with them and current on the payment agreement with no notice or attempt to renegotiate the agreement.


Thanks,
Now they are trying to take my home away through foreclosure. It 's their fault that I am so far down the road and behind on my payments because they should have helped me years ago. They do n't understand their improper communication made a bad situation worse. My income is steady and I want to keep my home. I am hoping your office could contact them on my behalf to open the door to a meaningful discussion to save my home and get my loan on proper footing. I could really use someone in my corner and I am certain I can work this out with M & I if I speak to the right people. Thank you for your time and I am hoping you can help.
This happened several years ago, so my letter is more of a cautionary tale, than any request for assistance. On the other hand, if there is any action I can take now I would be very interested in learning what that might be. Thank you. God knows we need all the help we can get to fight against the many unethical, though maybe legal, practices exercised by firms today.
they say that i owe a cell phone bill from att and the last time i had att account was 2006 i called att and they cant find account that belongs to me and this company insists on collecting this debt and also reporting on credit file as a new debt .. thank you
I never received payday loan and collection will not remove from credit report. The original disagreement was over 7 years ago. Collection agency is reporting it as new debt and did not send a notice before putting it on my credit reports so i could dispute it.
I never received payday loan and collection will not remove from credit report. The original disagreement was over 7 years ago. Collection agency is reporting it as new debt and did not send a notice before putting it on my credit reports so i could dispute it.
I have paid all of the principal of my Home Depot Credit Card within six months, as required. However, Home Depot is trying to bill me for late fees and interest. When a clerk induced me to get the card, the clerk did n't tell me about the minimum payment per month and the late fees and interest that would be assessed. Not do these hidden fees appear in the credit card agreement. I have already sent a letter to Home depot 's Credit Card Services, which I 've attached, with supporting documentation, detailing what happened. I 'm simply requesting that Home Depot cancel my bill for hidden fees. The practice is unethical and illegal.
ever since then, I have paid off each statement in full riggt after recieving their stament, and the next month find out they have charged high interset, saying the balance was not paid in full. 
i am having an issue with @ TDBANK_US allowing charges to go through on a debit/charge card on a weekly basis. i have spent hundreds of dollars monthly on over draft fees, i am a small business owner with very little income and struggle to balance maintaining clients as well as finances. @ TDBANK_US allows charges to go through on debit cards when there is not money in the account. they end up hitting me with over drafts and it ends up snow balling the problem with more over drafts. i have spook with my local branch manager and he told me that there is no protection for business owners only consumers. in the past two years i have paid in on over drafts approximately {$2500.00} in over drafts which i cant afford. i think something should be done with this and stop @ TDBANK_US from charging cards that have no funds on them
I have contacted multiple financial institutions and most of the time I am told that principle payments do not reduce interest charges in the following month. I am told not to pay on principle since doing so will only shorten the loan duration but not the interest charges in the following month. 



Received threatening letter stating that the collection agency would consider going after my tangible assets for an old medical bill.
I got a letter in the mail from Pioneer Credit Company that that had an actual check for a loan that they created pending deposit of the check or cashing the check. If this got lost in the mail this could 've hurt my credit. Anyone could 've cashed this


I have not heard anything else from any company.


I have not heard anything else from any company.
Rushmore is abusive and bullying. I recommend that they be severely penalized -- even shut down for this on-going pattern of abuse. How many victims do not know their rights, or have access to prove Rushmore 's abusive behavior?


The amount entered into the judgment is incorrect. The original balance was {$1000.00} but after making over {$400.00} in payments & two years later ( well, 4 years until it was entered at the court ) the balance was STILL {$1000.00}. The same amount to the cent. 


Every single person and company associated with this bill has been trying for close to a year to have this removed and every single request has been denied by Equifax. The debt was wrong, the original creditor and collection agency are in agreement on this & here it is over a year later and Equifax is continuing to report inaccurate information and continuing to damage my credit.
Can my debt collector place a lean on my daughters car that i co-signed for her? 
A debt collector bought a credit card debt, got judgment in my absence and is trying to collect it by placing a lean on my daughters car that i cosigned for her. she pays the car loan and I do not own the car. Is it legal for the judge to allow them to place this lean on my daughters car?

I repeatedly requested for the entry to be removed without any resolution.
Did not receive notice of right to dispute, i dont know where this debt came from

I have spoken with several representatives at Harvard Collections in person and via phone on numerous occasion. Harvard Collections has acknowledge that the debt has been paid in full. Harvard collections has a copy of the letter from DHS to confirm payment. Harvard Collections has stated to me that since the debt was not paid through them they are under no obligation or time frame to delete this information from my credit files. I have also sent several letters to Harvard Collection Managers. 

Harvard Collection has refused all my attempts to resolve this matter.


Did not receive notice of right dispute, i dont know what this debt is for



i paid off all accounts with understanding that it would be removed from credit report. it wasnt and when i attempted to contact them and have it removed they said there is nothing they will do
I opened a Macy 's credit card once, did not get their bill. They threaten me for debt collection. On the phone, I gave them my bank account number, paid for the late fee and everything. At the same time, I requested to cancel my credit card with them. I am still getting another bill from them to pay them another {$2.00}. Even though I am not their customer anymore.
My younger brother has a habit of giving my address and phone number when he goes to the hospital. This has happened sporadically in the past. I do not know his present address of phone number. 

About a little more than a month ago I had a call left on my answering machine from HHGR, Healthcare Revenue Recovery Group. LLC saying they were trying to collect a debt. I deleted the massage. 

About three weeks ago, the same message was left on my answering machine with the same message. I called the number and explained to them that the phone number they were calling was not my brother 's number. I also explained that I do not have any information about where he lives of a phone number for him. They assured that I would not be contacted again. 




With previous mortgages that I have had, the mortgage company kept my total payment the same when I paid the escrow shortfall directly. I am contacting the Consumer Financial Protection Bureau regarding why Ocwen 's communications state that they will keep my total payment the same amount if I pay the escrow shortage shortfall directly and they do not do this. Thank you for your reply.
SEARS claims I have a balance with them and never paid them therefore sending me to a ( without notifying me nor by mail, phone call, or e-mail ) collection agency on the balance that was not accurately or at all mine


I am a responsible home owner.
HI I fell behind on my mortgage payment I 've been trying to work out a plan to get caught up every time a plan is made I do what the company ask the next time I go to make a payment they tell me we have to start plan over i ca n't seem to talk to a supervisor or anyone to explain or get ant answers I 'm told they 're not available it is really stressful trying to get answers and you ca n't
Several times I have tried for free report and have been told I must download forms and send in requested information. I have answered ID question honestly and still told I have to do the mail in process. Why?
I have been receiving relentless phone calls from a company that call themselves " the law firm '' upon a search of their telephone number I have found that their true name is oxford law firm and they are a debt collecting company. They have threatened to show up at my home and job and have now began calling and harassing my family members daily. When asked to provide a written legal document regarding the supposed debt I am told an email will be sent ( although I am requesting mail ) but one have never been received. I am told in first call that I have 30 days and following calls that I must pay full balance of supposed debt immediately or my file will be signed off on by the office attorney.
I am writing this letter to address a situation where my credit was diminished, ( I believe wrongfully ), as outlined below. 



I have tried to make payments since the beginning of this fiasco and have been told that Ocwen will not accept my payments unless I pay the entire past due payments in full ( now in excess of {$40.00}, ,000.00 ) The only response I get is that I should apply for a loan modification and that Ocwen offers many programs that will help me keep my home. I continually receive letters stating the outstanding balance on my account which I am aware of, but can not pay the full amount. 
At this point, I am more than frustrated. I do not want to lose my home. I have tried diligently to get some sort of workout plan such as HAMP, and was declined for any workout assistance because I was told my business income was too low ( I am self employed ) To show how serious I am about saving my home, I actually had to lay off employees and have taken over their hours. This has increased my monthly business income by approximately {$2500.00}. I have made a few other business changes as well to increase my income but I have been continually told that I am not eligible for a modification but rather a " deed in lieu of foreclosure '' or a " short sale '' All I want is a fair chance to keep my home and pay my monthly mortgage payments I know that I owe a lot of money, but it is because I have not been allowed to make any payments I continually get the run around from Ocwen.
Complaint : Quicken Loans pull credit report of clients instead of collecting and evaluating available information from clients to determine pre-qualification. This malpractice, even for clients not approved, negatively effect their credit. 
In conclusion, Quicken Loans policy to pull credit report before pre-qualifying the client based on information obtained from the client and with no concern for the negative effect of pulling the credit report is a bad practice and should be amended in the interest of the public.




A complaint is also being filed with the Attorney General and the Federal Trade Commission. 

I have copies of all of the chat transcripts and documents sent and received. 
Chat Transcripts, Unauthorized Charge Affidavit and Letters, Statements.
I have disputed the information with Equifax ; I am waiting for their investigation.






I would have never placed a stop payment on that money order unless advised to do so. The money order was floating for almost 3 months and Wells Fargo made several errors as explained in the letter that I have enclosed. I am very upset and hurt by this matter and the fact that they invaded my privacy by not only bringing my father into this matter but by also taking money from his sole individually owned account.
Anything you can do to assist is appreciated. This is also all also documented in their online email site as well.
Paypal submitted a credit check on myself, without permission after I had made a purchase. There was more than enough money in the account. No need to charge anything to credit, nor apply for credit.
I was trying to get my free credit report..but it came upon some security question, that none of those questions were related to me at all..How can i fix this.

I need to file a dispute about the addresses and spousal/coapplicant information is wrong!
The lender calls repeatedly each day although I have discussed the reasons I can not presently pay the loan.


4. WellsFargo will dearly charge me an interest for entire month until the funds are available to my account ; now this is a day light robbery. 

Please help and if possible ; investigate the unfair practice at the wells fargo.
i keep receiving calls to my cellphone from a scam debt collector. 

Discover card interest rates. 
I also inquired about getting a refund on interest charges and they also refused.

The question how much have I lost. I calculated an estimate of interest on the ann. fees being charged.
The Law in the State of Maine States a collection company can not report info or contact me without a collection license in the State of Maine???
The credit card company with J C Penny ran a credit check without my consent. As a result my credit line was reduced. I pay this company every month with no late fees and on time. I have been a loyal customer with this company for years. I considered this to be an unfair act toward myself. Please help in resolving this matter. Thank You.
rude, evasive, wo n't say who they are or why they are calling. 
My house is being foreclosed on by a mortgage servicer ( Green Tree Servicing LLC ). 


i
was improperly served summons was served to someone i did not know sent the company signed lease agreement for where i was living during service of summons still threatened to garnish wages offered 75 % sif or payment plan they refused
If I was able to find out this information by a phone call, the credit bureaus should have been able to retrieve this information and take the appropriate steps to remove this account ( which shows a duplicate ) from my credit report. They did not and did not thoroughly investigate, when they held themselves that they did.
It is illegal to harass people at their place of business.
If I was able to find out this information by a phone call, the credit bureaus should have been able to retrieve this information and take the appropriate steps to remove this account ( which shows a duplicate ) from my credit report. They did not and did not thoroughly investigate, when they held themselves that they did.

I do not feel this type of behavior is needed nor should I have to endure it no matter the debt owed.
Luckily for me, I looked on the receipt and I found this Consumer Protection Info.
Since the inception of my vehicle loan with Ally Financial I have paid over the required monthly payment. Each month I have requested that the amount paid over be applied to my principle balance. It appears that interest is being deducted from the total amount paid and not from the payment due amount. I believe the amount paid over the payment that is due has been misappropriated throughout the duration of my loan.
I have a Veteran Loan backing with PennyMac Loan Services , LLC. 
PennyMac has in escrow my money to pay my property insurance. 
PennyMac did not pay my property insurance when due. MyProperty insurance had expired & PennyMac will not pay the inpoundmoney for the property insurance.


I need to move on with my life, I am in the middle of buying a home, I am unable to close my on my new home until this matter is resolved and if not resolved I will not be closing and lose all the money I put down. It has been years, I have worked very hard to move on with my life and making the right decisions. Please help me I am lost for words with this situation. I have a family that is looking froward to moving into our new home. PLEASE HELP
I have had several cards in good standing with Chase and recently had my credit limits cut by 70 %. I understand that Chase must manage its risks in extending credit and may reduce credit accordingly ; however, a drastic decline of credit to just above the outstanding balance creates a hardship to consumers as it directly impacts my credit score as my percentage of credit used goes from 30 % to 100 %. In order to object to the bank 's decision, I had to have my credit pulled again negatively impacting my credit score.
I was behind on my mortgage for two years and trying to get my loan motified. 
and yes they lowered the interest to my loan but they put into my org. loan all the back interest, taxes, lawyer fees and all different kinds of fees. 
was in shocked to see that i payed 10 years of my mortgage and now i have to start again from square one. So i asked myself where is the help. you lower the interest but added 10 years more into my mortgage.
I am concerned at the threats of arrest, legal, action, and " body attachments '', the giving of information to someone who is not confirmed as the spouse, the continued calls after it was establish that the person they were looking for could not be reached at the number they were calling, the claims of working with the County ( and not the county I live in, either ), etc.
I have contacted Experian on several occasions to dispute unauthorized inquiries of my credit report by several companies. Experian has simply refuse to investigate or remove inquiries from my credit file. I I have even written letters to creditors disputing inquiries but never received response.
Not my account

they stated on of the names on the check was on the account being deposited. 


Called them another day. Asked to talk tot he premier line of credit department. They stated they would not help. They referred me to the branch manager. 



How can force them to fix the problem?
We 've asked them to stop called so frequently as we are getting together the paperwork requested.
Respa has been looked at for my relocation expenses. I was told I would receive {$3000.00}. 
Money has not been received, and I do not want to wait any longer for this money.Thank you.

This web site is coded to be confusing, misleading, deliberately taking the user to paid reporting functions of the various agencies and to prevent the user from actually accessing these reports. 
These financial data are mine. To deny me access to current data is wrong. 
I want my annual credit report AS REQUIRED BY LAW. Please stop the deceitful practices of the reporting agencies and create a REAL annual report site. Thanks.
Portfolio Recovery Associates are attempting to collect on a debt that i do not own. They have continually called my home phone and my place of employment to attempt to collect on this debt. they have not provided any proof this debt belongs to me.




The highest principal balance that the account ever reached was {$380.00}. 
This settlement was completed before the court hearing date. No judgment was entered. 
I have a balance with Paypal Credit. This account is my account alone and not a joint account. Paypal contacted my wife and divulged all the inofromation about the account to her. They have violated my privacy by revealing all of the information to my wife.
They mislead us when we applied for credit card and now they will not allow us to charge enough to be able to use the benefit before the benefit goes away ... seems to me this is deceptive advertising
My credit card was transferred to a collection agency a month after I filed bankruptcy. The payment was n't even 30 days late yet. 
And is now reflecting as a collection account on my credit report.
1 ) First, I disagree with the amount used for my gross and net income. 
2 ) Secondly, I request a review of this information and a detailed description of how this information was calculated along with my expenses. 
4 ) Fourthly, I thought someone would have called me to review over the financial information to determine that all numbers and figures were accurate. 



I am signing and returning the repayment plan agreement I feel that I was forced into signing this because my concerns were not addressed. I do not feel that my case was handled or worked accurately and I am requesting an investigation pertaining to my mortgage loan. I feel that I was pressured into accepting this repayment plan because I was not given any other loss mitigation alternative to prevent foreclosure. The problems I am having with Chase has been going on for months. I feel they do not want to offer me a loan modification I feel they made this decision with consulting USDA. Chase continue to send out borrower packages asking for my financial information and even if i advise that I want to appeal their decision they advised me that I have to complete the entire borrower package over again.
Hi. I 'm not sure that this is the right direction to go, however I 'm out if options with this company. Nation star Mortgage is in process of ruining my credit. I can not get a rep or supervisor over there to help me remedy what should be a simple situation. Our mortgage was sold to them. We set up auto deduct and every month for about 5 months now, they have not been able to get my account set up correctly. 


I was told by my bank that it 's an internal coding error on their side, which apparently no one there knows how to fix. I have never been so frustrated or disappointed with a company 's performance in my life. At one point I had the bank and the mtg company on the line and they talked, figured out the issue and there is still no resolve. Funny thing is that when I 've called in after noticing the deductions have n't occurred they are able to pull the money internally ( from nationstars end ). So, you can see there is no issue with the account. My savings number never changed .. It 's always been the same. We use nexttier bank. I would simply set this up through another account if I thought it would help but I have zero trust in this company and quite frankly at this point even if they told me it was resolved I know it would n't be. My husband has direct deposit specifically for this mortgage and we set up auto deduct so we would never be late. Now look where I am. For us to change that over to another account just because nation start ca n't code a savings as a savings is absurd, also as an aside the rep I spoke to at the bank new immediately what the issue was be used it happened to her as well. I found that very ironic. 


I appreciate your help! 





Sent from my iPhone
2 ) They paid our property taxes : We have never had an escrow account with this loan, we have always paid the taxes ourselves. They did not inform us that they were going to do pay our taxes or even ask if we were going to pay them, they just went and paid them. Then a month after that they added the amount they had paid to our loan balance, which they can not do. 
3 ) They have started adding mysterious charges : They have never informed us as to what these " Fees '' are for, they simply added them to the bill. 


Additionally, the voice mail and collector uses term " case fie '' to describe my account number with them in an attempt to misrepresent the legal status of the account.
I tried to pay my car loan
We have here capital one representatives that ca n't do a simple job correctly period. They misinformed me over getting cash instead of making purchases for an extreme emergency situation. These people over at the phillipeens need to be instructed correctly and listen period.
My credit card was transferred to a collection agency a month after I filed bankruptcy. The payment was n't even 30 days late yet. 
And is now reflecting as a collection account on my credit report.
.
Pay Pal gave me an unauthorized line of credit and is now saying that I have a negative balance. I have never asked Pay Pal for any line of credit, nor do I want one.
My lawyer asked for a reaffirmation for the mortgage because I did not file the residence as part of the bankruptcy. I want to continue to live in my condo and pay my payments. 
The lawyer has not been able to get them to send the reaffirmation papers so the we filed a continuance on the Bankruptcy until those papers could be presented to the Court. 
We can not give them a date to complete the hearing without the reaffirmation papers. The lawyer has called several times with no response. 
I am hoping to put this behind me soon. Can you help by getting Seterus to send the lawyer the papers. They have all the information to get the papers in the mail. 
Thank you. 
Bank of America withdrew {$11000.00} from my checking account I had deposited to pay an electrician. I did not authorize this transaction and they claim it was to satisfy an outstanding debt. I dispute the validity of this debt and challenge their right to " reach '' into my checking account on a whim to satisfy it. I have spent hours on the phone with multiple departments at BoA and have not been able to resolve this.
The assignment on my mortgage is fraudulent. Ocwen knows about it and will not address the issue in a timely manner.



I am willing to hire an attorney to help protect my home ... but do not see the need to. This is truly so frustrating. Please please have someone contact me. 


I do n't know where to start since it is becoming evident that there is more identity fraud using my social security number than I can handle. I find out about most of it when : I ca n't get free copies of my annual free credit reports because they were already requested within that year - when I know that I HAD N'T REQUESTED THEM THAT YEAR OR PROBABLY EVEN FOR ONE OR MORE YEARS PRIOR! 
When I see all of these businesses requesting my credit info when I have not applied for anything credit related in more than 8 years due to serious financial hardships since then. 
Pay Pal credit keeps contacting me regarding a debt I did not incur. I NEVER OPENED NOR EVER HAD ANY PAY PAL ACCOUNTS. I keep conveying this information to them, but I keep being contacted.
The lender insists that my closing costs were only {$630.00}, but disregards my downpayment of {$480.00}

I wrote a letter in response and follow up to a phone call I had made to a representative of Pay Pal and was instructed to send Pay Pal a letter documenting a complaint that I felt borders predatory practices. 


I kindly request that pay pal remove any and all request for credit off my credit report. 

Thank you in advance for your cooperation. 

Denied sufficient time to complete a ( short sale ) payoff on my mortgage. Very difficult to communicate with Nationstar due to lack of requested information ( payoff statement ) and denied internet account access. Forced to proceed with foreclosure despite numerous efforts to rectify the situation.
I received Bank of America new mortgage statement. 
No reasonable explanation. i have a fixed rate, taxes and insurance are the same.
I wanted to info that i have been contacted several times by Drive Time with collections efforts without being read my Mini Miranda rights with multiple Vmails with personal information, I shared this concern with managment at Drive Time and i got told that even though the state of Texas inforces the mini miranda to be read when debt is due, they ( Drive Time ) as a company are excepted and dont need to advise. I am a little worried my information is being given without consent as well as my rights not being read.
Wells Fargo 's continuing harassment of mortgage holders late on payment. I am on fixed incomes with irregular receiving schedules with NO missed payments, only late/tardy. Have already implemented a " cease & desist '' against them for repeated phone calls - no messages left most times - & emails. So they 've resorted to other methods, like frequent certified mail & the big white door hanger with " CONFIDENTAL '' printed on the outward facing side in enormous red block font lettering ( I have photos ). This is beyond embarrassing & I consider it harassment. Inside the envelope is a piece of paper asking me to call them immediately. When done, the Wells Fargo mortgage rep just wants to know when you 'll be paying that month 's installment. That 's it??!? Big giant red letters on a bright white envelope hanging on my front door for all my neighbors to see for that??!? & Certified mail stickers plastered on there as well? What is wrong with these people??? 


Quit the harassing behavior Wells Fargo!!! You 'll receive your payments, like you have for the last 12+ years. Might be a week or 2 late, but it 's coming. Really!
However after numerous calls I have not been notified of any increase and have received no notification that the increase was denied or for that matter even considered because no notification was ever sent. 
Certainly target the right to deny credit to any customer that does not qualify but I would think that they also have a legal obligation to appropriately notify a customer whether or not a request for a credit increase was denied and also the reason. Frankly I feel that Targets failure it appropriately notify me is in effect a form of discrimination because this failure does not offer me the opportunity to determine if credit is being denied for an inappropriate reason and I am indeed being discriminated against.
I had a bill for {$160.00} and it was payed off a year ago. It 's still on my credit report. Attached is my receipt proving that the bill was payed. I 'd like this off my credit report asap.
OCWEN Loan Servicing LLC is at it again. 


Now they are attempting to do so again. They 've sent a document stating that our APR is the same, but our payment has increased by 243 %. How can this be?
So I changed my mind because vehicle did n't match my requirements, and I went to another place where I found what I need, my offered Percentage there was higher 18 %!!! I asked if I can pay off right away, they told me yes. That what happened. 
I called to Crysler Capital asked them if they are okay that they prosessed payment and later lost it and nobody knows how it all happened?! 
I contacted them with question if they have sick people?! No answerShow payment and that 's allI would stop if I would n't have title and thank you letter in my hands, please obtain those from MVA in MD. 
What you would do if you were me?! 
Paypal restricted permanently my accounts with them. I understand it is their business decision to not do further business with me but they are withholding my funds for 180 days before they release them. Upon contacting Paypal I was informed that this policy was due to potential charge backs / transaction disputes that may occur due to use of credit card and that the provision was part of their user terms and conditions. 

I recently paid additional principle on my home mortgage loan. After the additional principle payment the total balance of the loan is approximately 40 % of the appraised value. My mortgage company ( Penny Mac ) refuses to remove the PMI until 2 years from now. because that is the estimated date that the loan value would be below the required 80 %
My understanding of the current laws with regards to applying payments to credit cards is as follows - Any payment amount left over after the minimum payment is applied must go toward the highest interest rate.The minimum payment itself typically goes to the balance with the lowest interest rate. Any excess of the minimum payment is applied to the highest interest rate. 

" With your payments, we generally apply any amount that exceeds the minimum payment due toward balances subject to higher Annual Percentage Rates ( APR 's ) before balances having lower rates as of the date we credit your payment. Payments are applied at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits as required by applicable law. We regret to inform you we are not able to move the payment to the 0 % APR. " Based on my understanding, this is against the law. If you could help me clarify, that would be great!

Are n't banks suppose to be fined for these types of errors. If I had been a senior citizen who was not on the ball I may have gone on line and paid the eroneous bill. Something needs to be done.


I not sure what is happening, but I think I a part of a scam or misappropriate information. I think they are trying to file some kind of legal document to collect. I never received any paperwork in the mail, but they had my telephone number and said they were going to file a for my arrest. I did n't see anything on the bankruptcy about a payday loan. 

Bank of America called me and told me that I qualified for a quick and easy " HARP '' refinance. My mortgage is $ 100k. My home appraised at 900k. 
Called work number, the first time she was transferred to me, I explained that it was absolutely unacceptable for me to have calls at work and they could not call me again. The lady just called me again ( after a couple of weeks ) and said that she would continue calling me at work since I do n't answer my home phone.

*Please drop the suit currently in process. 
I apologize for being such a bad customer. I never wanted this to happen. I am in my current financial circumstance due to my attempt to band aid lack of funds with credit.
they are charging me more than i owed.
I had the sate of Washington unemployment say I owed {$3300.00} in 2011 I sent them the paperwork proving I do n't. They sent me a paper stating I do not owe the money and it was up to me to get it off my credit report.
I have required proof of what they want me to pay for and have not received it and I have asked several times and when I stated I was taking legal action I get hung up on.
I am in the process of repaying debts accrued while injured and unable to work. I can not pay everything at once, however, and using indirect, deceptive practices such as this is not helping me to understand my debt or how to repay it. Impersonating the local government and making slanderous statements about numerous complaints against me in the court is very upsetting to both me and my family.
collector called did not advise call was recorded or gave mini Miranda he stated i was a pt at plantation hospital asked me to confirm an address they had on file since i was not a pt at the hospital i refused to verify my address he became angry and stated i would no the balance if i opened my i asked for a mgr he hung the call i call back s/w a mgr who stated he would review the call and reprimand the employee
Wellsfargo is asking me to send sensitive documents over email. It is SSN card, nationality verification. 

I would like to request an audit from Wells fargo on how it requests information from its consumers. I have the evidence on how it communicated with me. It is giving a way for its consumers to leak their information through email unsecurely. Innocent citizens may not know the issues with regards to this.
I sent a request for information to Chase and they are refusing to answer all the items that I am entitle to. The Executive office from Chase is also refusing to send Correspondence to the appropriate person and address as indicated in my third party authorization. I do not want to miss important information.
I do not know what else I can do to make SPS to have theunderwriter do his/her job and finish what was startedover a year ago. 
I just send a package to multiple parties asking for help toresolve this situation. 
NOTE - The home is not in bad condition. It can easily beupgraded for very low investment and it must appraise ata value of at least {$70000.00}! I know, I am able to get CMAwhich is a Comprehensive Market Value from the MultipleListing Service that REALTORS use. 
SPS is practicing business in an incompetent manner. 
This situation could have been completed to the satisfactionof the Investor holding the Deed of Trust and SPS. 
A family could be living in this house for a very low price andall parties could have saved time, money and aggravation.
I have sent multiply request to validate the debt company will not send information in the 30 day period now i am being told 90 days, they will just remove from my report and research and never send correspondence bad company
Credit card reduction in benefits
Listed on my credit report under adverse accounts is Capital One Bank. I have never opened or paid or applied for this account. I am a victim of identity theft.
This company does not care that a consumer feels misled by their advertisment, all they care about is collecting {$29.00} from as many people as they caan. I am very upset over this and from now reading reviews from other victims, it is clear that this company is strong-arming consumers and taking our money. Credit Check Total is a poor representation and their only goal is to profit from comsumers using manipulative tactics.


2. Threatened that i would be sued and my wages would be garnished and liens on my property3. Blammed me for the situation I was in and got very confrontationalPredatorial Lending:1. Material changes to my loan were done without fully informing me of the ramifications as I as bullied to accept the new payment schedules for fear of legal reprisal. 
2.I have filed a formal debt dispute and they are still contacting the co-signer saying that it is not applicable to themLastly and this is the kicker -- I was on a repayment plan with them, provided them with my CC and Bank info and they just stopped taking payments. According to them the payments would n't go through however there was money in the account. every time the due date rolled around. The purposely tried to default this loan

Though I appreciate the deferred payment plan, I am upset that Beneficial failed to disclose that they would report the account delinquent to the credit reporting agencies during this period. Indubitably, if I had known that the account would have been reported as delinquent to the credit reporting agencies - I would have borrowed the money from a friend or a family member.
Additionally I have NEVER received one thing in writing from them - nothing - since the repossession, until I filed a complaint with the credit bureau because Green Tree was not showing up on my credit at all - now it shows as delinquent and in bad standing even though I am paying what I initially agreed to and I will continue to pay what I agreed to.
I paid {$43.00} to overnight a certified check to the credit card company to pay off the account in full. I was told it would post immediately However, synchrony financial is holding my account hostage by refusing to zero out my account for 3 days - without cause. Given that 's it a certified check, there is no reason to freeze the account. I have an emergency medical problem and need the account for medical bills. Thus, the reason for overnighting the check.
Ally Bank locked out my account. Despite my submitting all the required documents they still have locked all access to my account for over 24 hours

I sent a certified debt validation letter to the collection agency asking for proof that this is my debt and all I got back was a name an address and a list of overdue/lost books and an amount of collection. 


for this debt to be mine is next to impossible.Please help and Thank you
Are these deceptive practices in place to manipulate the public into opening accounts with the bank? 
I do not fault the associates for following the rules of the branch, though their lack of empathy, and the banks seemly deceptive tactics used to lure new cust
Deposited a paycheck in a chase checking account. 
I will attach my supporting documents as you have instructed me. 
Thank you very much for your assistance in this matter.


I called the executive office where I filed the initial complaint and reiterated my dismay at being retaliated against by the bank. I had REQUESTED TO CLOSE THE ACCOUNT on Monday and was DENIED the ability to do that. Now they close it and FREEZE access to all of my money??? I have {$2.00} in my wallet and no access to my money. 

I want to file a complaint against this bank for harassment, unfair treatment, and STEALING MY MONEY!!
Investment Retrievers Inc continued to contact me about my fiance and I advised them he was being legally represented and provided them the company name, phone number, ext and the representatives name. They claim they could not get through so continued to call with harassing phone calls. I tried to send a Cease & Desist letter via fax however their fax connection was disabled & I only received fax transmission errors.




The debt collectors are relentless, sending mail notices, calling, hounding. 

My identity has been compromised by having this information sent to these sleezebags. 


Please help.
Green tree is attempting to reage a debt older than 7 years and has posted this debt to my credit report without a notice to dispute the debt.


I am still being ignored by Shellpoint!
Shellpoint just contacted me and now that they are removing the forced
they instead need a "cushion" in my escrow which allows them to steal
This is theft and I expect someone to contact them to resolve this,
it's frustrating and I'm spending alot of my time trying to resolve
this and now its a different scheme to take money from me.
Can you understand how annoying and frustrating this is.

always included my escrow payment, and I never missed one payment NOW
THEY ARE SAYING MY ESCROW IS SHORT! How can it be short I never missed
a payment! STOP THIS THEFT NOW!!!!
please step in CFPB and stop this abuse i'm sure i'm not the  only one affected. Shellpoing makes it difficult to deal with they always ignore my emails I'm losing hope getting a resolution with Shellpoint because they continue to ignore my concern
Why is my payment going up?
In fact I think my payment should be going down because I think think my property taxes have increased.
It was a struggle to get my loan mod and I have in good faith made every single payment on time and now this! It's frustrating please CFPB step in and protect us from these servicer abuses, I feel violated.



6. I the Interim the dealer received the vehicle ready for delivery and i received a additional approval from a dealership financing source and signed a financing agreement at at much higher rate and payment in the interim until the dealer was fully setup in the system to finalize my deal from the dealer end .It was understood that i was to be financed via capital one ( see " i owe you '' doc attached ) however in order to take delivery they had another bank as well to fall on. 


Ocwen has been falsely reporting on my credit report for years. They say I am delinquent. One month it showed I was current and the very next month they reported I was FOUR MONTHS BEHIND! How would that even be possible. They have held strong with reporting I am two months behind ever month. I have made extra payments and it goes to some mysterious escrow cushion. If I call to complain all the customer service people say is, " How would you like to pay to get your account current '', WHAT?!
they are rip-me off for this loan. 
my loan amount was {$1000.00}, they charged me {$1500.00}, even I extend few times. 

Is there any limits of using " checking account ''?
I was told by a customer service person that they send out a notice each month when the account is ready for viewing. I told them I have never received any such email. I did check the account a couple of years ago and the amount shown matched my checkbook balance. I usually come up to Wisconsin for a couple of weeks each year. I did not come up last year due to a death in the family otherwise I would have closed the account a year ago. 
The customer service person said " I wish you had not closed the account, now there is nothing I can do ''. I said that makes no sense and I will pursue the issue.
I had to run and get another ticket with another airline and they said they would cover any extra charges just to get me out of the way.
The gift card I bought was already used up so there was no money/balance on the gift card and American Express is refusing to help ( it is an American Express gift card ).




Debt Collector contact : National Credit Systems , Inc . 

I get the closing docs, and they charged me for a full years payment to my insurance company, which I make monthly payments on. I dont even escrow my insurance, and it was not due!!!! Waiting on explanation of that. No closing fees waived which is horrible since this has taken so long, and it was not my part!! They also lowered my loan amount without disclosing it to me. I didnt find out until the HUD arrived. 

I would never recommend Guaranteed Rate. A refinance should be quick and easy, especially when requested documents are provided when asked for, as well as many emails stating I was ready to close ~ and in essence, I wasnt.. 


I completed a survey after closing with my concerns, and no one has reached out to me. Why even send a survey then? 
Poor, Poor lender. Would NEVER recommend.
I have a lease auto loan and I want to payoff the pending amount. 
Does using double penalty is allowed?

The Citibank on-line customer service website shows a balance that we owe {$3700.00}. 
We have had this Citibank MasterCard for 11 years. We have been paying our balance in full thru the Citibank on-line customer service website for at least the last 8 years, and have never owed or paid any interest charges. 
I have a satisfaction of judgement from American Express yet they continue to report that they have a judgement against me. The judgement American Express has against me was initiated via a fraudulent subservice, the very least American Express can do is stop reporting the judgement now that a satisfaction of judgement has been processed.




Multiple disputes have been opened over the last two years. For all of them I either emailed, faxed, or physically mailed the updated court document with contact information for the Tax Compliance department. Several Equifax CSRs verbally confirmed that they see the correction on the document. They also confirmed that the public records are duplicated. Even so, the final investigation results dispute comes back with the same conclusion. 

I have followed Equifax process and received no resolution to my problem. At this point, I will have to seek legal counsel.
To date, the said business has not responded. Thus, my state tax refund has been garnished.


I never received any communication regarding the debt. Had I been informed of the debt it would have been taken care of.
I never received any communication regarding the debt. Had I been informed of the debt it would have been taken care of.

Banks committing fraud upon the courts by stating they are the Holder and Owner of the Note- when in fact -they do not own or hold the " original '' tangible Note. 
Arrogantly violate numerous laws and regulations ; Coercing the homeowner into signing a forbearance agreement to strip away their legal rights ; Falsifying records and documents ; Committing perjury through misrepresentations ; Withholding or redacting discovery evidence ;



This is turning into a total nightmare! People want to take my tuition and scam me when I have done my part on a simple agreement!
Never received communication from this debt collector.

ACTION REQUIRED : 1. Close Account Immediately ( never wanted ). 
3. Go forth and sin no more. 



Be ashamed. You have brought dis '' credit '' and scandal to PayPal and true-credit to the CFPB. 

Rectify and indemnify immediately. 






The Default is resolved and settled. The Borrower has continued making regular payments on her loan, and the foreclosure case should be dropped. There is no longer any default. However, Selene Finance has failed to instruct its counsel to dismiss the foreclosure case, and has instructed them to proceed with the litigation. ( see attached documents ). 





Repeated phone calls from rude and harsh debt collector who do not state the specific reason of the debt and demand address and other personal information. The person also said in a threatening tone " well I have your address '' The collector spoke to me in a rude/scolding manor as if I was a child. Even after politely expressing that the collector was rude she continued to be condesending and rude interupting me every time I tried to speak. 
The collector also would not release any information about their agency.
In Reviewing my Credit report I noticed a late fee from TD Auto Finance. I did not recognize them and could not find any contract with them. I contacted them several times to dispute/ find out what it was for and they have sent me several letters to check my contract, they dont have to disclose any information.
I have also experienced Green Tree telling me there is no other option to pay than a {$12.00} fee through a separate entity. In the beginning I was pressured to use this service. I was told that if I mailed a check that it had to be received by the due date no matter when it was postmarked. I began to pay through my bank account transfer and if Greentree did n't receive it on time, I was charged a late fee. I also experienced calls to pay for a bill that was already paid. I called and was told it was in an " unapplied account '' sitting for no purpose. I feel they do that to collect more interest by not applying it to the principal which was what it should have went to or at least credited to the next months payment instead of being called about defaulting. How can I default when they actually have extra money but put it into an " unapplied account '' and then call me and say I 'm delinquent? I never heard of an unapplied account anywhere. If I did n't recall paying extra, green tree would n't have told me about the unapplied account because all they are interested in is making money for themselves, using the unapplied account to keep the interest they receive higher by not adding it to the principal.
my bank of america housing servicing loan just disappeared in the state of mississippi where did my credit go to in mississippi
Delta Management has contacted me via letter stating they are my student loan collection agency and will garnish my wages. I have told them not to call me at work and they have sent fax and called wanting employment verification.


I was forced to overpay in the payoff demand, as the property was being sold. 
In addition, i made an inadvertant extra payment to B of A after the property was sold. 
I never received any accounting as to the overpayments and would like a full accounting. I received a check back but i believe this was only for the credit balance in the escrow account.



Today when I called Ocwen to find out what the new mortgage payment would be I was told that no decision was made and to call back. 

I have complied with all of Ocwen requirements to cancel my escrow account but all I getting is the run around from them. 

1. I want the escrow account closed2. I want the entire check amount to be applied to the escrow shortage3. I want a new payment invoice showing only the principal and interest. 
4. And I want all of the above without delay
I never received any material from this company



I have spoken to this company multiple times and they have stated they will resolve the issue and instead of resolution I get another bill and it has been sold to a debt collection agency. This is beyond unprofessional and is a fraudulent attempt to steal more money from myself and the insurance company.
I concern with the Inquiries on my credit report. I did n't authorize these listed that I sent back in to Experian to investigate how they got their. I did n't give my consent verbally, written, or electronically to pull my credit report.
Im trying to get my free annual report and its not letting me
My mortgage is below 78 % loan to value. I have been making extra principal payments each month. I want to terminate my PMI payments. Wells Fargo states I still must make payments for a minimum of 5 years. 
Is this lawful? I have about 27 months remaining to reach the 5 year point. Seems excessive.
This was an old debt that I thought was discharged. I am currently behind in my first mortgage and trying to solve this problem. I called and offered to settle this debt for {$3000.00} and they said minimum was {$6600.00}. I said ok and now they say they want {$86000.00}. I do n't want home to go to foreclosure or me having to file BK.
HSBC Approved my loan modification for two years. The terms of the modification are being violated for the following reasons:1 - Amount due on statement differs from the agreement. 
2 - Payment funds are not being allocated correctly. Per agreement, {$990.00} should be allocated to principal and interest. Statement shows funds applied toward deferred interest and interest only. 
3 - I have not received an explanation of the Overdue Payment of {$1500.00} for outstanding fees and charges. 
Please see attached documents and let me know if you could assist me. HSBC claims that the statements are automatically generated without taking in consideration the modification agreement. 
- ally informed me this would post in 2 business days and that the deferral would not effect any credit reporting agency. 
and could go up to 12.875 % BY GOING UP 2 % every six months. I DIDNOT SIGN FOR THIS. 




We owe more than our home is worth. ( We owe {$480000.00}, the property is worth {$260000.00} ) We occupy the house as our primary residence. 
We provided sufficient, documented income to support the modified payment. 
We have not been convicted within the last 10 years of felony larceny, theft, fraud or forgery, money laundering or tax evasion, in connection with a mortgage or real estate transaction. 
We even reduced the homeowners and windstorm insurance on our property in order to reduce our escrow but BOA still is refusing the modification. 
EGS Collections, used data mining to find relatives and in laws, and called them, and informed them that I had a civil action against me for bad debts, ( all False ). After I communicated to them ( EGS ) That I had an Attorney, to discontinue calls they continue to call my employer, my wifes employer and her family giving them false information.

Although Bank of America will likely attempt to respond to this Complaint by misleadingly stating it is no longer the servicer of the Mortgage the subject of this complaint, this complaint is based on the fact that Bank of America was NEVER the legal servicer of the Mortgage and can provide no evidence to the contrary. 

A CFPB investigation will confirm that Bank of America had no legal contractual right to service the mortgage loan the subject of this Complaint and has concealed this fact for years, now falsely claiming to have transferred said " rights '' it never legally held to another company. In the process, Bank of America made numerous false statements with regard to my Note and Mortgage in the attempt to collect a debt, and attempted to collect an amount not expressly authorized by the agreement creating the debt and permitted by law in violation of the Fair Debt Collections Practices Act, a federal consumer financial protection law. 

Many of the false statements and misrepresentations are outlined in the full Complaint with supporting documents attached.

Asset Acceptance LLC has failed to validate a debt that they say I owe them. They have never responded to any of my requests. I have never done business with Asset Acceptance. I have asked to see a contract that requires me to do business with them and they ignore me.
United Accounts was awarded a judgment against someone with the same name. They put the judgment on my property and refused to remove it when I showed them it was not my bill. I had to pay the bill to remove the judgment from the property.
I have called many times after seeing this on my report. I spoke to someone and they could n't find any information in their system and seemed irritated that I was trying to figure out what the debt was. I asked them to remove this reporting from my report or provide all the documentation to me showing that what the debt is for and that it is mine. They never sent anything but still continue to report it messing up my credit costing me lots of money

This company has called my family and I about a payday loan. They have used profanity and threatened to take money from us. They even called my sister and harassed her and told her info about herself that they were never given by my sister. They call from various numbers all day every day. They tell us they are gon na have papers delivered to our place of employment or residence. We have received nothing in writing to this affect. The original copy has sold my information to various other companies and now all of them are trying to scam my family and I.
A court judgment has been reported incorrectly with all three of the major credit report companys. I was reported as being the Defendant where as I was the Plaintiff and that judgement was against me where as it was actually for me.




I only have a small veteran pension, so that is judgment proof, but the judgment has now hurt my credit ratings again. I told CACH , LLC this in my Answer. I want you to charge CACH , LLC old debt buyers heavy fines for violations, request them to remove any public and private default judgment on credit bureaus records, forbid CACH , LLC from selling my account information to other debt buyers, and have them remove any bad inquiries off all credit bureaus, and encourage them to pay me counterclaim fees for fraud, misrepresentations, wrongful lawsuit, and damaging character image with wrongful default judgment. 








I am not the person the caller 's are asking for. I live alone. 


I have tried severally to contact a supervisor or a manager that could help in resolving this issue but to no avail. I have only been transferred to leave a voice mail to an undesignated mail box. I have had a lot of phone " hang-ups '' and " run-a rounds '' on this matter so I decided to contact a competent authority to help in the resolution.
Recently, I sent certified mail with supporting proof of identity theft and the agency refuses to remove items that are a resulting the theft. I have uploaded documentation that was sent. I have also filed another complaint with the FTC, this way all measures will be exhausted and the only thing left will be a civil complaint. There is nothing more to add as this has been ongoing for sometime and many credit violations have been made. There is a timeline in which this has to be addressed and they have not done anything accept take down my score as my continued effort to fix things get worse.
TransUnion 's initial web page does not provide a way to obtain a free credit report. Instead it provides a free credit score and a credit report for {$1.00}. You have to create an account with them in order to get either. Both are part of a 7 day trail. After 7 days you have to pay {$17.00} a month for their monitoring service. You can cancel within the 7 day trial period. This TransUnion web page came up on the www.freecreditreport.com site. I have no idea how to get my free credit report from this company. I do not feel I should be required to create an account with them in order to get my report. The other reporting companies do not require this.


This is after I desperately tried to modify my loan before this began. Nationstar put me into foreclosure for a reason that was not valid. Nationstar told me in the foreclosure notice that they did not receive the requested information, which I have proof of providing to them. All of this was to no avail. 

Following that notice / letter we were placed into foreclosure. 

I can provide proof that all of the requested items were sent to Nationstar for the loan modification process, per your request.
Have been turned over to collection on a debt that I do not recognize. Repeated requests for details ignored. Research indicates the originating company is a " internet get rich quick '' type scam. But I am not furnished any details. 


According to Nationstar, the denial was based on that by the time the modification matured, there was a remaining balance due of {$99000.00} and due to the net property value. 
We do NOT want to lose our home and for this reason we are asking for NATIONSTAR to carefully re-review our finances and reconsider their decision. I know that with my income and my husband 's contribution income, we CAN afford our home, however we are only asking for NATIONSTAR to help us in reducing our mortgage payment. We want to stay in this home and our childrens home until our last breath however the only way we can do that is by making our mortgage more affordable within our means. 
We have also put on complaints letter thru NATIONSTAR 's CEO 's office in hopes that they will escalate my case within their office, as well as a filed complaint thru the Attorney General 's Office of the state of California and the Consumer Financial Protection Bureau. 
I hope that after NATIONSTAR re-reviews our finances more carefully, determines that the best option for them is to help us keep our home with a loan modification.
The stress, anxiety, financial ruin, and burden on my family this has caused is unforgivable. I am physically, emotionally, and mentally drained. Not to mention, financially drained as well.

Thank you.




Dear CFTC : please open an official inquiry on Wells Fargo. I am also filing a complaint in the CFTC portal and a complaint with the Federal Reserve. Their mistake and gross negligence has cost me time, denied me access to my money without any cause, and cost me money ( both {$40.00} out of pocket and an estimated lost time of {$600.00} and rising - with each communication ). 





Please investigate and advise. I will follow-up this email offline. 


I was in the process of a loan modification and Well Fargoclaimed that I had a lien on my property in the amount of {$18000.00}. I completed the trial modification. 
I went back and forth with them and told themthe lien is against another person with the same name. 
I provided my own title work which proved the lien wasnot on my property. I contacted them several times and wastold someone would reach out to me but only after theydenied the modification due to a time lapse was I able toreach someone. I provided them with the attorney 's nameand telephone number who filed the lien. They are horriblewith follow-up and may cause me to lose my home becauseof lack of service and the lack of follow up on the informationI provided to them and that is readily available to themthrough other sources.
A court judgement was reported incorrectly on my credit report. I was list as the defendant whereas I was actually the plaintiff and also it was reported that the judgment was against me whereas it was for me.
It is very difficult to understand how a person that you trusted to provide dental services for your family, can destroy the credit that you have been trying to protect. 
I did not realize that his disregard for his patient would lead him to deception of services and extraction of undeserved funds. 
I told him that I had to think about it. 
On my way out of the office, the receptionist or cashier told me to sign up for a dental plan to help pay for the additional work just in case I wanted to go forwarded with the treatment. 
Later, I received a bill in the mail that I assumed was for the tooth extraction. 

I have attempted to contact all parties involved in this deceptive practice, but the response has been less than civil. 
I need help to protect my family from this type of predatory abuse.
This is my official complaint against the billing practices, and violations of TILA and Regulation E, by Santander Consumer Finance. 



In reading some of the CFPB Guidance around Closed End Loans, disclosures are required for " change in term notifications. '' However I did not receive any notification prior to receiving an email copy of a statement. 

In addition to my not receiving the proper disclosures to accompany the modification of the terms and conditions, my interest rate was not clearly and conspicuously identified, and the statement does not include the proper dispute information per Regulation E, though the statement does identify that Santander offers electronic payment services which I use from time to time. 
There has been significant confusion of who OWNS the property and who can accept or reject my offers to keep the home. The property located directly north of the home was sold for {$71000.00} which further demonstrates that this property is not worth the requested {$390000.00} of the lender. 
The appraisal of the property cost {$300.00} to verify that all information stated is true and verified.
It was explianed that I have open up an account witt his company and have had my phone sevices with another company for over 15 years. I feel this is a result from identity theft.
I sold products on EBAY through PayPal. They knew I hadchanged my bank as I let them know. There seemed to beno problem taking my money out of the new bank when Ipurchased something. But the money they owed me stillis in their hands. Several phone calls later they assuredme that it was taken care of and I still see they still have it


I have yet to receive our results from Transunion regarding our dispute. I am requesting an error to be removed from my credit report as it in an error.
I 've been receiving calls from a payday loan company after I 've asked them to cease and desist. They call me with different numbers from all over the country all times of the day with automated messages. I 've tried to work something out but they insist on using this method of collections and leaving voicemails.
I have had a Bill Me Later ( BML ) credit account for several years and have had no trouble navigating their website to make my payments. BML was taken over by PayPal ( P-P ) within the last year. When I would make a payment after P-P took it over, I would go to the BML website and be redirected to the P-P payment page. Over the last two months I would try to get to the P-P website but I could not get to the correct place to manage my account, check my balance or make a payment, so I would have to go through BML website and would then be re-directed to the P-P website. I found if difficult to navigate the website to find where to get my balance or make a payment. The last time I was able to, this is what I saw. 
PayPal Balance {$0.00} ( available ) Pay Pal Credit {$530.00} ( available credit ) Seeing this, I would think that I had a 0.00 balance due on my account. 
A court judgment was reported incorrectly on my credit report. I was list as the defendant whereas I was actually the plaintiff and it was also listed that the judgment was against me whereas it was for me.
I 'm trying to accomplish a credit history using this Credit card and as result of their deceptive and unfair business practices I 'm not able to do. I reached to Wells Fargo by phone, in writing and even went to the branch and worked with a banker to resolve the issue but it remained uncorrected.
Please help
It was a fiasco of ignorance. No one at B of A knew how to work the computer or due the procedure. All I wanted to do was be prepared for the move. These people took all my private information several times and then said they were stuck. If they ca n't do on line banking - get off it.
I have a Home Equity Line of Credit ( HELOC ) with Chase Home Finance ( Chase ). The line of credit was frozen shortly after it was opened. According to Chase, the reason the HELOC was frozen was due to a diminution in value of the home securing the HELOC. 

The problem with this explanation is that it does not fully compensate me. This account accrues interest, if I was overcharged for a fee ( an unexplained fee ), my regular monthly payments were not paying off principal and this reducing interest at the rate had the error not have happened. So, {$65.00} is insufficient compensation.
Wells Fargo is denying my request for loan modification. Affordability was an issue and the fact the loan was owned by private investors. 
I currently have an estimated balance of {$100000.00}. I would like to submit a payment for {$55000.00} and request the balance be modified with a 30 years mortgage payment. 
Somebody is using my name and ruing my credit. Please help. 
This is the company 's information below. 




I was horrified, scared and bewildered. What was I to do? 

Debt was paid in full as agreed directly to the creditor. Settled and closed. I am no longer liable and the file should not reflect negatively on my report.









I just received a check for {$120.00} with no calculation explanation. I want LenderLive to account for this, since I believe it is incorrect. I also want LenderLive to verify that my credit record has been corrected and unblemished. I also want LenderLive to account for why I did not receive a response in the government required time and had to go to heroic efforts through LenderLive executive management to resolve this issue. I also want the notarized reconveyance document. It would also be nice to receive a written letter of apology. 

I believe that LenderLive has acted irresponsibly and has broken the law. I would like to have the CFPB perform a full investigation and prosecute as is required. 

To resolve the problem, I would appreciate your not only the check and fees associated we would like to be compensated fifteen thousand dollars. I will enclosed copies of my records in the fax number provide. 



The second point Stated that " normally your type of accounts are unheard of in our offices and we can give you a deal for aprox {$540.00} an awaited agreement after claiming no money was available to pay. The third point was no conformation of or security questions to show that he had gained old debt by financial or by professioan. The person also stated that after calling him a possible scam and seemingly throwing his arms up that he made the statement it 's people like you that cause a bad economy and you should pay your debt. After stating I would not give him payment and being threated to take me to court, and that I was in trouble with the FDIC and was sued, while then also stating that I was named in a lawsuit, by US BANK. He seemed to have my social security number and was pleased or content. 

The conclusion concerns the professionalism and the handling of his case, Did not believe that he was using security measures by confirming my identity, and just asking for money, and realizing that I was not scared of him using a threat lastly, to be sued, he hung up.

I had credit card accounts with Care Credit that were unjustly closed by the creditor. There reasonings were very inaccurate including a recent significant derogatory items. Since the account was closed I reviewed my credit files and there is no recent derogatory items.
I feel that this is happening to others.
I complained multiple times about this. Gateway admitted it was n't their fault but they refused to do anything about it. Finally, they said the best they could do was to knock off {$250.00} from the extension fee. So they reduced our credit by {$670.00}. At this point, rates were much higher and I felt I had no choice but to take this deal. 
I believe this is outrageous as well as highly suspicious. I know how these finance companies work, and that they hedge their interest rate risk on such rate locks by shorting Treasuries and those sorts of transactions, but that by delaying the process when rates have risen and recutting the terms, they can benefit themselves at the cost of consumers. I think CFPB should investigate Gateway and see how many times their underwriting processes go over the rate lock period during times when rates have gone up vs. times when rates have gone down. I 'm willing to bet it 's asymmetrical. In any case, it 's outrageous that they should reduce the credit when the delay is entirely their fault.
The bank claimed legal bill of {$50000.00}, My legal bill from an attorney I was forced to hire to defend this unnecessary action was less than {$14000.00}.
This debt collection company calls my job multiple times a day and wo n't give any information who there or what they want. It 's embarrassing and they need to stop calling my job all the time. I have asked them to stop calling my place of employment.
After I spoke with the representative and told her that I disputed the debt, she called my consulting colleague. She spoke to me on my cell so there was no need to call anyone else. 
The previous week I told Financial Management Services Representative that I had never received a written demand for payment or description of which loan this debt addressed. I received a written bill and told her on this call that I was disputing the debt.
To Whom It May ConcernRegarding : Appeal of mortgage modification denialReasons for Denial Given:1. Income too low to service modified payment2. Home value too low to support debtMortgage Modification Denial AppealIncome too low to service modified payment1. Our gross monthly income is {$7300.00} per the documentation you sent. 
2. Ratio for current payment of {$3500.00} is 48.7 % of our gross monthly income. 
a. We now have no monthly installment payments5. If we had the modification that was previously approved for made permanent, our ratios would be 39 % /39 % since we no longer have any monthly installment payments6. Why would you approve 39 % /53 % before and not 39 % /39 % now, especially since we have not missed any of the prior modified payments? 
iv. Our home has an attic, theirs does not. 
viii. Our home has carpet and ceramic tile, theirs is all concrete. 
ix. How can our house be valued {$65000.00} less than this other house? 
x. How can our house appraise at {$550000.00} when property values are going up and your own appraiser came in at {$580000.00} less than a year ago? 
The final modification documents for the previous modification were never received by us to sign.
I deposited my refund check from the IRS. My bank, USAA, put an 8 day hold on it with no notice. I set up auto-payments for rent, bills, etc based on receiving my refund. Now all of my bills will bounce and I will incur NSF fees, despite having over {$1500.00} in that account. I now have a {$0.00} available balance, despite the money from the IRS being in my account. I have been a customer for over 17 years.









I have not heard a thing since then. 





I do n't know what my rights are but I want to get this resolved as soon as possible. I am willing to make a lump sum payment to get it resolved but I ca n't afford anywhere close to {$9600.00}.
I sent money to a scam and need my money back

Please assist me with this matter.


I am requesting that the listing be removed and never reported again since it is illegal ).
Actually all of the above selections cover the actions of the emails that I have received from a company called ACS inc. I requested l of the documents pertaining to the loan that they say I owed. I also requested the address of their company or the address of the Parent company. I have warned them that by law, it is within my rights to request these documents. They have refused. They have threatened to have me arrested. I explained to them that threats would not go far with me. I have agreed to pay a certain amount each week if the documentation has my signature electronic of written and I can verify that it is a debt that is mine. I have given them no personal information, bank info or credit card info.


I need some help with this situation, as I really do n't know what is happening. Please send further information if possible. 
Thanks
Constant non stop, several calls per day to my cell phone. I 've answered and they say they are wanting to speak with someone other than myself, I tell them they have the wrong number and I am notifying them to stop calling, as I am charged on my cell phone. They have continued to call even more frequently. Tactless, rude demeanor and quite disruptive. Please STOP these people. Thank You.


Therefore, I 'm requesting validation of this account. Including but not limited to, a signed contractual agreement, with my signature, indicating my intent to pay this alleged account, plus proof of last payment date. In order to ensure true validation of last payment date, they are to include amount and bank on which last payment was drawn.

I called Navient to figure out who they were. Once i knew they were reporting late in regards to my niece 's loan, i called them right away. They had no accurate information for me and had never tried to correct the information. The customer service representative verified they had returned mail because of the inaccurate information. 

Navient never tried to contact me. They had my niece 's information and simply could 've asked her for my contact information. I would 've made the payments had they tried rather than let the account go overdue and allow delinquencies on my credit report.
This creditor Santander is reporting a auto collection account I would like verification of debt


In addition, if you call Nationwide Credit they will ask you to hold and then let your call drop, they will recognize your number and not answer your call, they will let your call loop through the system and then drop. They will tell you they have sent a fax, but never will, and they will not call you back if you leave a voicemail.

I have provided every single document requested by them and now they are refusing to take my call. Please help me since I have done everything to avoid foreclosure and it is not fair that they are doing this to me and my family. 

Green Tree Servicing LLC and its affiliates keep on calling me at all time of the day regarding a mortgage payment. I never signed any note for this company. I asked them on many occasions to stop calling me. They wo n't stop. I would like to have them to destroy any record they may have created on me for whatever purpose.








I will remain homeless, because until Toyota Financial corrects its own ghastly and likely deliberate reporting. Please reach me as soon as you read this correspondence.
There was fraud on my account related to cyber security and other issues. My account illegally has a negative balance, because TD Bank did not update my file. Additionally, I must worry for the security of my account when making deposits. I reported the fraud and TD Bank has not properly credited or updated the account.

Regards,
Bank of America sent me a statement that I had a negative balance ( because of fees ) on a savings account I had had open for about 10 years. I rarely had any money in the account, but I was never warned about keeping a minimum balance in the account to avoid fees. Then all of a sudden I was sent a statement that said I had a negative balance because off fees. The only way I was able to close the account was to pay the negative balance. Ridiculous!
Wells Fargo 's informed me that they made a " business decision '' to close some of my accounts. I have numerous concerns related to the accounts which are slated for closure, with that said : Since Wells Fargo has determined to close my cash back visa signature card account through no fault of my own, I am left with serious concerns that my pending cash rewards will be forfeited & that my rights related to the Fair Credit Reporting Act have been violated.
My mortgage is being serviced by Bayview. I 've been charged a " rec corp advance '' fee ( {$140.00} ) which I am told is due to a recent appraisal of my home. This is not on the national schedule of fees, I never agreed to it, and they have refused to take it off my bill. 

I 'd like it removed from my bill.
Southwest Funding did refund {$470.00} which was the cost of the appraisal on the property, however, even with this refund, charges incurred were {$1800.00} more than originally quoted by Southwest Funding. 
I believe that both of these issues are unethical practices.
Complaint : Despite numerous requests through our loan broker for a corrected GFE, Quicken Loans did not provide the GFE on the loan that was purchased until the date of closing, at which point it was too late to make any corrections for their errors. The HUD statement was also not issued until the very last moment, not allowing time for any corrections without delaying closing. 
I believe that this issue is an unethical practice.
Bank America is insisting a home buyer obtain a " shared driveway '' agreement from a neighbor when in fact it is not a legally shared driveway. Of course the neighbor refuses, so the bank is refusing to grant the buyer a mortgage. Neighbor and Buyer have yet to meet compounding the problem of having any ( inocuous ) agreement of any kind. The Bank wants a recorded agreement that forces both the Buyer and Neighbor to lie and in spite of attorneys for both buyer and seller stating the legal truth and wrongness of their request, the Bank remains obstinant. What to do? Does a consumer have any recourse?

I made multiple calls to SunTrust and was assured every thing was correct on the account until I got a letter from my tax office stating that my taxes had not been paid. SunTrust used the wrong tax information to calculate my escrow and then requested that I send a payment of over {$2500.00} to fund my escrow. 

So through out my time with SunTrust I have received multiple letters either requesting that I owe money to fund my escrow account or that I needed to pay money to fund my escrow account. 



Every promise made has been broken, and apparently my issue is still unresolved. 


Please help me ... This has cost me thousands of dollars, and SunTrust has shown ZERO empathy or willingness to make right the situation. 

We are past apologies! They need to make it right with their customer.
When I try to contact customer service to get these tax documents, they could not find any records of the loan ( SSN, loan number, etc. ). 
See below , as sent to EMC Mortgage:
  
 VIA FACSIMILE AND FIRST CLASS MAIL
 EMC Mortgage Corporation
 Attn: Payoff Department
  
 Dear Sir or Madam,
 Please note that through further research , it has come to my attention that EMC Mortgage in violation of Vermont Statutes Annotated Section Title 8, Chapter 73, Section 2201, which is appended hereto. According to the Vermont Department of Banking and 
  
 Sincerely,
  
 Paralegal

I recently changed my address and received a bill in the mail for no-show from a doctor whom I never seen. I 'm wondering if that is from them?
Barclay issued me a credit card that I had no idea existed, I never activated it and of course never used it since I did n't know about it. Got an email stating there was a past due balance, called to figure out what happened and was told a 60-days past due was automatically reported to the credit bureaus. They cancelled the account ( apparently ) and zeroed out the balance, and confirmed it was a bank error. However, they ca n't tell me what they are able to do to correct what is now a negative credit history reporting. They will not get me a letter stating it was ( a ) a bank error ; and ( b ) my credit history with them is in good standing, both things I need to now submit to the reporting agencies. I have spent about 6 hours dealing with this error, because my credit history is excellent and I do n't want this error to ever be reported. They claim that their process is automated and they ca n't do anything about it. I spoke to supervisors who claim that there is no one else I can speak with to get results. 
I just want this corrected immediately, because timing is of the essence. If it is not corrected, then my credit score will go down and it will take months to correct it. 
All of this for a card I knew nothing about, and never received.
Order of events:1 ) I was notified of Bank Branch closing ; I recognized no other branch was convenient. 
2 ) I entered Branch and asked to have my accounts closed immediately ; They stated completed. 
Credit Systems International has entered a debt into the credit reports without first contacting me and giving me a chance to look over the debt and verify it.
I doubt I am the first borrower they have tried doing this to, but I hope to be the last.
Progressive mgmt systems.
As a result of losing my direct deposit savings account - my Citibank account was charged a service charge it had never incurred the entire 4 years of my account. This caused the account to overdraw subsequently causing a NSF reporting to this account. Although Citibank refunded the monies associated to these charges my credit has been marred from its perfect internal status to one of now having a negative reflection. 
Citibank violated my privacy rights and forced me into a banking relationship that I never wanted. Citibank has now shared my personal financial information to a bank that had no right to ever know or see that information.




shows a previous address that I NEVER received mail at, never was a resident.. Do n't even know anyone who has.
Nations Star Mortgage forced placed additional flood insurance above mortgage balance. 
Mortgage balance is approximately {$53000.00}, home incurance coverage A {$100000.00}, flood policy {$56000.00}. Mortgage company demanding flood insurance greater than mortgage balance, forcedplaced and charged my account.
I was verbally insulted multiple by a representative. The representative shouted over the phone to tell me to " shut up! '' and afterwards he told me to " be more of man '' and that " I am irresponsible ''. The same representative left me a voicemail stating if I did not call him back he was going to report me to the police.



Original amount owed, including a complete payment history, starting with the original creditor. 
Finally, Documentation that indicates that I agreed to pay someone this sum of money. 
Copy of the contract that states I promise to pay this back from the original creditor. 


I felt I was really misinformed and misguided by the company. At the same time, I felt I was robbed of my grace period. 
I am trying hard to work things out with the company while the company is not even doing the minimum to help me. They are not even meeting the minimum requirements as indicated by law to completely inform me. They are using short answers that have misguided me.
Capital One is constantly misleading consumers about low-interest promotions. 
As result, I will end up paying over 20 % interests on those old purchases, not just on the balance additional purchases at the end of the promotional period. 
The promotional notes that I received on the advertising materials do n't disclose the rate increases at all, while I 've just been contact by Capital One sharing " good news '' stating that my account it is eligible for a lower annual percentage rate ( APR ). So, to make the notice prominent enough, Capital One is creating the " impression '' that higher rates wo n't apply and it will go down to a standard purchase rate, but without communicating the actual rate.
I have tried to send money to people that I know. This company keeps stopping the transfer. After many call transfers I finally get someone to tell me that they do not like my sending history. This is NOT their concern. Their business is to facilitate sending and receiving money. They have no business in making this decision. I take responsibility in deciding to whom I send money. 

Called the credit card company to inquiry on account number, after being explained that they couldnt give me the number i said i wanted the account closed and the associate asked to confirm the closure for which i didnt give an answer to since i was doubting myself if i should do it. after a nasty attitute from the associate, i was going to say to leave the card open and she said she had closed the account already without giving me the chance to confirm my choice or giving me the required the disclosures. i found out later that i needed to reapply again and have another hard inquiry on my credit in order to get the card again.


I am taking legal action against National Collegiate Trust/NCO but their servicer American Education Services keeps contacting me about the past due loans which I have wanted moved to another servicer. I had a rep ask me when I will make a payment when I advised her that National Collegiate Trust or NCO will have to contact my attorney which I advised them of several times. They removed the attorneys phone number which I am not why they do that, I have the copy of the retainer I signed.
Received this email threatening me regarding a payday loan. 
I 'm being harassed. I want it to stop. 

1 ) Violation of federal banking regulations. 
2 ) Collateral cheque fraud3 ) Theft by deception. 



As of today rather than chasing you for money your creditor has simply decided to write this money as loss and declared to be stolen by you and wants to press legal charges on your name. 


Now the affidavit is taken by FDCPA law that means fair debt collection practices Act Chapter 9 section 19. 


1 ) If you are on any state supervised probation or pay roll you will need to top contact your officer and make them aware about what you have done. 

2 ) If you have any prior conviction including but not limited to worthless cheque, grand theft or money laundering make it a note they will handle your case as an habitual offender. 

This is just to make you aware that your creditor has got all the legal rights and authorities to inform your current employer about what you have done in the past. 

On Behalf of your creditor we shall be contacting your current employer and the state credit bureau to garnish all your pay cheques until the total amount gets paid back to your creditor in full with the interest amount and the late payment charges. 

My client has got all the solid and technical evidences against you for a non payment of a loan which will be helpful for us to prove in the the court house that the money is not paid by you. 


Finally you do have right to hire an attorney, if you do n't have one or you can not afford to have one that shall be appointed to you by the court house, but make sure you have someone to who can bail you out once you loose this case in the county court. 


There shall not be any further communications via email. If you have any concern regarding this case than you can contact the number list below. 

This bank does n't seem to care and after reading all the complaints online I see why they get them. I do n't even know what to do or where to turn.


1. I was n't properly served papers at my house for the most recent case, despite recieving the notice for the other case at my house from the same lender two years ago. 
2. This lender has used collectors that violate the FDCPA and have harrased me for years. 
I do not have the money to settle this matter, nor do I make enough the satisy the minimum payment. Everytime I speak to them and tell them my finances, I am told that I am lying about my finances and that I am living in poverty. If I am in poverty and I am telling you this, how am I lying? 
I do plan on paying these loans back, however I am not able to at the time. The job market is rough and dealing with these lenders are preventing me from devoting my energies on finding a job.
I asked them to provide me a written statement and was told I could read it in jail if I did n't pay " right now ''. 
When I refused and again requested a written bill, the collector became very abusive and told me he did n't have to give me anything in writing. I asked if he was familiar with the FDCPA and he told me that makes no difference to him and he would be enjoying the weekend while I was in jail.
I have a checking account with Capital One. 




Certified mail was sent and requested to validate debt. Collection Agency failed to answer within 30 days. I am demanding the Collection Agency to CEASE AND DESIST from further communication with me, in any manner, regarding the above referenced TIME-BARRED debt. 

I have a pending sale date on another property that I own, that will provide enough cash, to reinstate my Primary Mortgage. This sale of this other property, has been delayed by weather ( rain ), the surveyors are behind schedule on several of their clients and can not perform duties until after the foreclosure sale date. This was true for several surveyors. 
I request that the Foreclosure sale date be deferred for 2 months, to be sure the survey and closing can be completed. Closing will occur asap, I request 2 months, to allow enough time, in case there are further delays, preventing surveyors, closing attorneys, etc from completing their tasks, especially in consideration of this busiest time of year, for real estate.
In addition, LVNV/Resurgent fails to state a claim upon which relief may be granted and that their claims are barred by the doctrine of laches and the principle of waiver. Until LVNV/Resurgent provides the original alleged creditor 's contract with my signature ( or at least a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ), their basis is on a contract that is an adhesion contract and a contract that is illusory and therefore unenforceable. And where is the calculation of interest? The calculation stated in their response is usurious or based on a rate that is greater than allowed by law. 

This complaint is associated with a home loan I was applying for with Bank of America. Details of this issue are included with the attached letter.
The Company DYNAMIC RS is reporting information on my credit that is not correct from what they are telling me that are the date of services that is showing on my credit is different than that of what they are telling me verbally. I was not notified by this company in writing before they put this information on my credit. Also this information that they are saying that I owed was removed off my credit reports from all the major credit bureaus but since they put different dates of services this is how they were able to get this put back on my credit. I ask them to remove this from my credit and they stated thAT THEY WILL REMOVE IT ... .I HAVE PHONE RECORDING OF THIS BUT NOTHING HAS HAPPENED AS OF YET.
I have had nothing but denials from Eqifax , Inc. attempting to dispute credit information on their dispute website. Each time I try to identify myself, on their automated system, it will ask ridiculous questions regarding credit information. I answer the questions correctly. Each time it indicates it can not " identify me ''. Here is an excerpt from their page. 
" Great! We 've found your fileNow we just need to verify you are accessing your own file. The following questions are based on information on your file, and only you should know the answers to them. 

I request your authorities to talk to these both banks and ask them to help me to resolve this issue. I am sure that there might be more customers in this situation and victimised.
Calling for debt on person that is not me. I have advised them that I am not that person and to take me off the robocall list and they continue to call me EVERYDAY. Disruptive and flat out harassment.
I would like an explanation as to the discrepancies.


Bottom line, this account being listed is in no way an accurate representation of my credit worthiness. Continuing to report this is causing me unnecessary harm. I am only asking that this " Paid '' debt be removed from my TransUnion credit report. 



I have no doubt that you have a desire to correct and ensure that my credit report shows only accurate information that is also PERTINENT to my credit history. 



My overall claims of this being valid in the first place also have merit. Either way, I ask for this to be permanently deleted from my report. 

-- -- -- -- -- -- -- -- -- Thanks for your help!

Deceptive Trade Practices & False Advertisement - They never DID have a lender or an approval. My guess is they lied to get me in the door and figured they 'd find a way to sell me a car once i was physically there. 


The partnership went downhill after my brother learned that his partner was not paying his half of the mortgage. Loan payments stopped and TD Bank started foreclosure. 

My brother and his partner negotiated their interests in the building. My brother contacted TD Bank directly to repay the loan but was told to deal with the bank 's outside lawyer. Negotiations and court appearances were held to get out of foreclosure. The bank 's lawyer wanted compensation of {$100000.00} for legal fees. 




I would appreciate your help in investigating the handling of this foreclosure. Why was a note ( and the building ) sold at a discount when there was an owner ready to pay more? Was something done illegally and against proper banking procedure?

Although these pages contained a " Sign In '' link in the upper right, and I was already signed in to my account ( & not timed out, & could easily navigate on that page in the other browser tab where it was opened ), none of these pages recognized that I was already logged in as an authenticated customer. This remained true in a later test where I used *that* sign-in link on *that* page to create an authenticated session - doing so provided access to my account and the management pages that did not include privacy preferences, but the " privacy '' site would n't recognize that information for the purpose of setting privacy preferences. 



Making it intentionally significantly harder for customers to protect the privacy and security of their account information ( plus adding additional transmissions of sensitive information ) *reduces* rather than *enhances* both privacy and security. The Bank clearly wants to discourage opt-outs and seems to be doing everything it can to try to minimize the number of customers who successfully complete opt-outs.
I have sent full amounts to Chapman Financial Services couple months ago for past due collection and they refuse to apply it to the debt amount balance.

OCWEN is known to be corrupt and has several lawsuits against it. I did not choose this mortgage company, my loan was sold to this company -- certainly not a choice I would ever make on my own. I feel I should not be forced to do business with a corrupt company who is " KNOWN '' to implement illegal and unethical practices. 
I am writing to request assistance in stopping OCWEN from getting away without arbitrarily exacting unexplainable monthly increases and then charging my bank account for this charge.
Unable to transfer IRA funds to another bank. Partial transfer due to $ 250k FDIC limit



This is not my first problem with HSBC Premier and it seems like that every time that there is something wrong with my account or any product that I have with this bank, I have to always find an outside source to be able to help me resolve any issue with this bank.
I have been the victim of financial fraud by a family member that was prosecuted and served federal prison time for it. It has caused me many issues with my credit and personally. Many of the items that are on my credit report were part of the fraud and I am stuck with trying to fix it as best I can. I have worked for years with those that have allowed me to do so. Those that were unable to do so are the ones I am now trying to clear up and at least get them to show correctly on my credit report. This has been very frustrating as a consumer, so now that I have found this website, I am hopeful. 
We wish to pay off our mortgage and contacted Bank Of America to get principal, interest and any fees that would be required. They gave these amounts verbally and offered to mail this free or fax for {$30.00}. We preferred to have a receipt showing the itemized amounts we were going to pay and went directly to the bank. The bank refused to provide an itemized receipt. They would only provide a receipt showing the TOTAL amount we paid them and the account number. We asked if we had the banks letter showing these amounts if they would use it showing what we had paid and they refused. They said ONLY the grocery store receipt was all we would get.
They said the ss number belongs to me
Macy 's always charges {$2.00} ( as " minimum interest '' ) each month even AFTER the remaining balance has been completely paid off. Is this legal?

THE LENDER REJECTED BECAUSE I AM ONDEBT CONSOLIDATION.
I would like your help in get a loan modification so that I can save myhome.
I have tried to open another account, but I ca n't because of their bad comment on the ChekSystems about me ... 






The voice mail message to the recipient identified my name. The number was viewed on caller ID by the recipient who went ahead and called the number to see who it was. The recipient was able to use caller ID to call the number ADS left on their caller ID identifying the call was from Account Discovery Systems and was an attempt to collect a debt under my name. Now that the recipient had my name, phone number and the reason for the call, they then proceeded to send me a text message informing me the debt collector Account Discovery Systems is looking for you. I called the number the recipient left for me and it identified ADS was placing the call and it was for the collection of a debt. 


My complaint regarding what I just described is Account Discovery Systems had no known right under the law to investigate my personal information in an attempt to contact me just to ask me for a settlement on a debt I am already paying as agreed on. Further, Account Discovery Systems has a valid address and phone number for me on file and could have made the offer to me directly. 

I request the Consumer Financial Bureau to investigate and provide me with any remedies available under the law regarding any potential violations of the law regarding ADS 's unnecessary call to the third party only to offer me a settlement agreement on an account that is being paid on time and as agreed, which in turn is harassing me.


I truly can not understand how a debt can be so easily reported to the credit report bureaus without verifying someone 's social security number, and the credit reporting companies just post that erroneous report which negatively influences my credit score. Now, I have to send my very personal ID and social security information to a credit collection agency that I do not trust.
Now the account is in collection and we as the consumer have no way to verify the amount the debt or the accuracy of the balance. We also agreed to pay the balance due once we received a itemized statement with the correct final balance. 
The collection agency, the attorney and the property management have failed to provide us with a final statement. The only thing close to a statement is the letter from the collection agency. 
The charges that should have been removed and are in question include : {$75.00} Return Check Fee {$1000.00} Early Termination Fee {$97.00} Late FeeWe were also to be given a credit of {$330.00} because the apartment was not move in ready but that fee was removed and without being provided a notice. 

Again we would like to have this balance paid in full as soon as next week but only if we can see an itemized bill to verify if all the fees were correctly adjusted.

DRS was contacting me for the payment, during this process my discussion and explanation of the closed and fully paid account was not accepted. I was time and again warned about the 'negative consumer credit reporting ' consequences of this collection and was pressurized to pay of {$280.00}. 


However, DRS did not keep up its promise and continues to report this debt as a 'collection ' on my account. Fully paid though. 

There are several accounts reported on my credit report that I have disputed due to inaccuracy and failure to validate this debt as I requested. I contacted this company and requested them to validate their claim as well as the information I know to be incorrect that they are reporting on my credit files. The phone number listed on this account is invalid, and there is no way to contact them. This account was opened in 2007, and should not be listed on my account as a negative account with inaccurate information. They are continuously reported my accounts as bankruptcy when these accounts are not in bankruptcy. All of my loans have been consolidated with another lender. Being that they are not able to validate their claim or their information or given me the opportunity to dispute their claim is a violation of Federal Law
PNC bank is falsely submitting overdraft fees
The Banks holding Credit-Card Debt are UN-FAIRLY manipulating their " Payment Allocation '' ( methodology ) to FAVOR " Pay-Down '' of LOWER Interest-rate " Remaining Balance-Due '' while INCREASING those " Remaining Balance Due '' amounts remaining at HIGHER Interest rates as-follows : See Your " Charge Summary '' as those " Line-Items '' depicting ( Your ) various " Purchases '' or " Cash Advance '' or " Balance Transfer '' or " Special/Loan/Program '' followed by It 's " Terms '' itemized as " APR '' with " Fixed Interest '' ( terms ) depicted as ( f ) and " Variable Interest '' ( terms ) depicted ( v ), then followed by " Balance Subject to Interest Rate '', then " Days Rate Used '', and finally that " Interest Charged '' ( You ) over those ( Days ) It was accrued as-such. 


( B ) " BT SPECIAL '' outstanding-balance of {$600.00} held@7.99 % ( v ) DECREASED to {$570.00} for the " Payment Allocation '' to It of {$29.00} ( C ) " BT SPECIAL '' outstanding-balance of {$1800.00} held@5.99 % ( f ) DECREASED to {$1600.00} for a " Payment Allocation '' of {$170.00} ~ Indeed HERE is where THEY apply THE LION-SHARE of that {$280.00} " Payment '' ... toward paying-down what " Balance '' I 've secured at Low/Fixed-Interest :? 

IT 'S A PROBELM TO CONSUMERS WHEN " PAYMENT ALLOCATIONS '' ARE RATHER MIS-ALLOCATED TO RATHER CAUSE AN INCREASE IN OUTSTANDING DEBT! 

IT 'S A PROBLEM TO CONSUMERS WHEN PAYING THE MINIMUM PAYMENT DOES N'T AT-LEAST ABATE " NEGATIVE AMORTIZATION '' ( Growth vs. Reduction ) OF ONES " DEBT ''!! 

IT 'S A PROBLEM TO CONSUMERS WHEN PAYMENT ALLOCATIONS RATHER PERPETUALLY INCREASE THOSE BALANCES " REMAINING '' AT HIGHER INTEREST DESPITE ONE MAKING MORE-THAN THE " MINIMUM PAYMENT DUE '' BECAUSE IT 'S UN-FAIR AND ETHICALLY WRONG!!! 




This has gone-on for years now despite MINE AND OTHERS protests to " Creditors '' and SHOULD therefore now go to FEDERAL Court as a Class-Action Lawsuit to STOP IT!!! 

This CURRENTLY ALLOWED PRACTICE OF THE BANKS is an UN-FAIR manipulation of that methodology employed to calculate " Payment Allocation '' and IT MUST STOP NOW with Mine, Yours, and Our protest TODAY, Thank You.
My Discover Card is charging me {$41.00} for a magazine subscription I never ordered. I contacted Discover and finally they claimed to have found in my favor and would take the charge off the card. Then a month later, they reversed their decision and tried to charge me again. I contacted them again and they took it off the credit card. Yesterday I got a letter saying they are charging me the {$41.00} again. This is a fraudulent charge and Discover will not take it off the card.
Wells Fargo has refused to comply with the terms of a letter that they sent to me regarding convenience checks for a credit card account. Specifically, Wells Fargo has effectively charged me a 2 % check transaction fee rather than the " 0 % introductory rate '' " for check transactions '' described in their letter. This is an unethical " bait and switch '' swindle which can not be justified based on the terms of their letter. 


I used one of these convenience checks, in the amount of the credit limit of {$20000.00}. Unfortunately, Wells Fargo placed a {$800.00} " transaction charge '' on my account as well as a {$39.00} " overlimit fee ''. Please note that the fact that Wells Fargo calls this a " transaction charge '' is further proof that a convenience check fee is a type of transaction fee. 

I attempted to resolve this problem with Wells Fargo by making numerous telephone calls to various Wells Fargo personnel. They were willing to cut the fee from {$800.00} ( 4 % ) to {$400.00} ( 2 % ) and to waive the {$39.00} overlimit fee. However, they were unwilling to waive the remaining {$400.00} ( 2 % ) fee unless I repaid the balance. 




Considering the explicit language in Wells Fargo 's cover letter for these checks, any check transaction fees are unjustified and unethical.
I was charged an incorrect amount of interest by Ocwen when I paid off my mortgage. They received my loan payoff and did n't credit it to my account because they said it was n't the right amount.
Calling my Job and being very harrasing
my mortgage compnay is handling escrow account inappropriately i requested the escrow analysis, but they do not provide the information properly. Also, i wrote a letter to request to close PMI, but they would n't close PMI in escrow. I called numerous times about this matter, but they would n't close it.
When using the autopay option, Chase only allows me to pay either the full amount due on my card or the minimum due each month. I am trying to pay off the card, and by refusing to let me pay more than the minimum due each month using the autopay system, I feel Chase is forcing me to pay more interest than I should. Please require Chase to offer more autopay options. Thank you.




To summarize my complaint : Equifax did not conduct a thorough investigation of my disputes and of FCRA 623 ( a ) ( 8 ) ( D ) letter claims which indicates that once I send a letter to the original creditor concerning a credit file incorrectly placed on my credit report, and do not receive a response, I can go back to the credit reporting agency in order to demand removal on said file in it 's entirely from my credit report. 

Equifax failed to comply with the investigation and reinvestigation requirements in 15 U.S. Code 1681i. Equifax willfully failed to comply with the requirements imposed under the FCRA, 15 USC 1681g. 

Equifax provided my credit file to companies without determining that these companies had a permissible purpose to obtain my credit file pursuant to 15 USC 1681b. Due to Equifax false and derogatory information on my credit report, as well as incomplete investigation of my dispute claims, I have been denied credit, opportunity to receive credit, and damage to my reputation.
I was not properly notified of a debt that I am willing to pay. I never was mailed a bill or able to settle my account which I would have willingly done. This only came to my attention when the debt hit my credit report, 9 months after the collection agency reported they received it. The company stated it was illegal to deletethe account according to the Fair Credit Reporting Act and that statement in itself, is actually a violation of the Fair Credit Reporting Act.
I have received repeated calls from this Malcom S Gerald & Associates. Every time I call them back, they do not answer and I have yet to speak to a live person. 
They have been calling many times and never leave a voice message. I do not know who this company is or why they are contacting me as I have never received anything in writing from them.
I was contacted by a representative from J. S. Resolution, saying that I owed a debt that was several years old. I had never heard of the payday loan company. They claimed they had the check, and it would be returned to me once I made the payment.The representative was rude every time I spoke with him. I was trying to get as much information as possible to make sure I was doing the right thing. Now that I have paid it, he said that the judge has the check, and I opt out of getting it back because I did n't take it to court. What proof do I have that this check would not come up again, he did n't have an answer, and became exdtremely rude. Because I called back and questionsed him, was I guess another reason for his rudness. I paid it. I just want proof that this same check does not come up again. If I have done wrong, I took care of the matter. Because I asked questions is no reason for the rude behavior. He was uppose to be a professional.How do I get the check back?
they did jail me for failure to answer interogitories that they already had answers to and they brought the suit without legal standing due to the time elapsed they keep changeing agencys to subvert the law on deadlines they have attatched exempted funds and although the amount showing paid is more than the original owed 12 years ago they still say they are owed more the humiliation of a night in jail is worth more then any amount they can conjure with their creative accounting.
Please see my account information below. 



However, ended up reporting both late payment as a my fault ( when I was clearly advised that loan closing month 's mmortgage would come out closing proceeds ) to the credit reporting agencies, which is impacting my credit score negatively. 


However, until now there is no resolution to this issue and my credit report is impacted negatively.
THIS IS ANOTHER STUDENT LOAN ACCOUNT THAT I HAVE DISPUTED WITH THE CREDIT BUREAUS AS BEING INACCURATE. I CONTACTED THIS COMPANY REQUESTING VALIDATION OF THE ACCOUNT, THE DEBT AND THE NEGATIVE INFORMATION THEY HAVE REPORTED ON MY FILE. I NEVER RECEIVED A RESPONSE FROM THE COMPANY AS TO WHY THEY ARE CONTINUOUSLY REPORTING NEGATIVE INFORMATION. THEY ARE REPORTING MY ACCOUNTS AS IN BANKRUPTCY WHEN IN FACT THESE ACCOUNTS ARE NOT IN BANKRUPTCY, THEY ARE CONSOLIDATED WITH ANOTHER LENDER AND ARE CURRENT. BY LAW THIS COMPANY IS SUPPOSED TO RESPOND TO MY REQUEST TO VALIDATE THIER CLAIM REGARDING THIS ACCOUNT AS WELL AS PROVIDE ME WITH AN OPPORTUNITY TO DISPUTE THE NEGATIVE ACCOUNT. I WOULD ALSO LIKE TO KNOW WHAT COMPETENT EVIDENCE THEY ARE PROVIDING TO THE CREDIT BUREAUS WHEN I DISPUTED THIER ACCOUNT AND THE NEGATIVE INFORMATION THEY ARE REPORTING.
We had 19 month CD with U.S. Bank which was apparently automatically rolled over for another 19 months at maturity. The problem is that rate is extremely low ( 0.15 % ) and not competitive. When we asked what the cost would be to terminate the new CD we were told a {$25.00} fee, which is fine, plus a 3.0 % penalty, which is ridiculous. We were expecting to a few month 's worth of interest as a penalty.
Years ago I purchased credit monitoring service thru Trans Union, since ive stopped using that service I am not allowed to review my credit report online with annualcreditreport.com. This is a huge inconvenience and I fell that it is retaliatory for not continuing to pay for their service.
Need assistance with modification. 
Additionally, due to my continue hardship I have requested another modification in hopes of reducing the outrageous interest rate 9.75 % I 've been paying, I was offered a payment plan to bring my loan current, I did not accept it as I was seeking a lower interest rate. 
Yet, TransUnion continues to put it back. I am growing so very weary of this. 
I will be responsible for my debt. Cite me yes, but I will NOT BE BULLIED nor will I be harmed because these irresponsible companies are engaging in devious illegal conduct and TRANS UNION IS PLAYING ALONG. 
I am asking PLEASE, HELP. You are supposed to be helping consumers with the credit reporting agencies that continue to post inaccurate information -- especially after they have deleted it, admit it was wrong, and yet continue to add it in. 
What is even more frustrating is I UPLOADED PROOF IT WAS THE SAME ACCOUNT. How many times must a person provide these credit reporting agencies with the same information? 
Please see I am uploading as much as I can in hopes you will PLEASE just tell them to knock off the fraud. 
This is going on during a horrible time at that. And I am going to see if I can sue. It is a shame you are not doing YOUR job. 


Your VerificationNow we just need to make sure that you are really you. These questions are based on information in your file, and only you should know the answers to them. 

I was convinced to transfer money to someone in return for products but have not heard from this person since. I believe it was a scam.
The collection accounts on my report are medical and are using illegal balance billing especially on Equifax.

My concern is that I was never notified of this, nor told that once my mortgage was paid off I was required to maintain a minimum balance. I was also told I signed up for electronic monthly statement and this is not correct either. 
I am respectfully requesting that all my funds which were taken out for fees, be replaced in my checking account. Fee amounts total approximately {$180.00}.
After having several issues with this company paying the wrong insurance company for homeowners insurance, and then making errors on my escrow analysis and trying to overcharge, now they are telling me that I can not close the escrow account and pay my taxes and insurance myself because this loan is on a single family residence that I rent out and do not occupy in the state of California, although according to the criteria they state on paper for closing an escrow account I have fully met.
Thank you for allowing me the opportunity to address the derogatory credit with Ocwen Loan Servicing. This situation is a result of very unfortunate and unforeseen circumstances beyond my control. 
I had no idea that I owed any money to anyone and thought everything was fine. 


Homeowner is being discriminated against in a form of reverse discrimination because of age, race and medical hardships '. 


This homeowner, feels that his case has been unfairly treated for the following reasons:1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person. 
2. No single point of contact has been assigned. 
3. Homeowner thought that the mortgage payment was included in the trustee payment. 
4. Greentree did not inform the homeowner of his modification options under the MHA Making Home Affordable guidelines. 

Alleged violations, included, but are not limited to, the following : a ) Failing to perform proper loan modification processing ; b ) Failing to manage processing agents and special points of contacts, therefore causing a processing center unable to handle homeowners case loads, a form of mortgage discrimination against homeowners.


I 've already mailed a certified letter back requesting both verification of the debt and that they stop contacting me, but have not received the delivery confirmation for this letter yet. 


I have never went to this hospital never been there never receiveda letter from this collection agency
I am writing this to inform you of the actions of PNC Bank NA ( " PNC '' ) starting in 2013 and continuing today. 
Ever since, PNC 's contractors have continued to enter the property despite being sent a cease and desist letter. In the process of PNC ignoring the cease and desist, they ruined the landscaping that I spent thousands of dollars improving and ruined the exterior paint and damaged the stucco. They trampled the interior of the property I also spent thousands of dollars improving. PNC 's contractors removed the attic access panel and the surrounding crown molding is damaged or missing, there is evidence of wood destroying insects and insect/rodent infestation present. The property has sat for vacant and continues to deteriorate due to PNC 's refusal to acknowledge their Estoppel. 
PNC has caused significant financial damages to me. PNC has admitted knowledge of these facts but still refuses to compensate me and still continues their foreclosure action against the previous owner 's note despite it being paid off as agreed in their Estoppel letter. 
PNC intentionally deceived and defrauded me by applying the funds from my closing and applying them to a completely different loan. The title company paid them off in accordance with PNC 's own payoff letter and despite repeated requests, 18 months later they still have not satisfied the lien on the Property ( Exhibit F ). Each day I incur costs such as insurance, utilities, landscaping, homeowners association dues, and interior and exterior repairs, not to mention the {$150000.00} paid at closing, with {$51000.00} going to PNC per their estoppel to release their lien which they refuse to do ( Exhibit E ). A full timeline of events is available upon request. 
I am sure there are other PNC mortgage loan customers in a similar position due to PNC 's actions.

A bill for {$93.00} that I do not owe. Looks like a scam letter.

I feel that I was given the incorrect information on how to appropriately handle the payment plan that I agreed to. 



I was contacted by a collection agency about the remaining balance of {$150.00} that Citicards removed due to the settlement. 

I feel that I was informed by CitiCards/Citibank in regards to my settlement. 

I 've attached the letter confirming the settlement between Citibank and me, the letter I sent them about the charge-off concern and the letter from the collection agency.
Generally, they will draft all the interest payments, but REFUSE to draft when I am trying to pay a lot more to reduce my loan principal ; they always act completely confounded, while they are willfully defrauding me, they keep charging exorbitant costs for their actions not mine

Chase closed a personal bank account of mine without any reason and will not tell me why. They have taken {$300.00}.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

I still have the physical copy of the advertising / promotion mail that I received, and I will keep it for further actions if it is needed. 

Thank you so much for the help.
I informed them, I felt, a hard inquiry, which results in a lowered credit score, was inappropriate for the opening of a savings account and that I would file a dispute with Equifax. I did. 
I submit that proper procedure, as I understand it, has always been that a hard inquiry to a credit report, which does in fact affect a credit score and therefore someones credit worthiness, should be initiated only in the event of a request for credit, in some fashion, and not at the vendor 's random discretion as in this case, the opening of a savings account. 
End result was that my credit score was lowered for opening a savings account. 



They called using a automated communication phone it did n't have my name or who they were calling for they have called for the last month. And their is no to speak to









Some type of relief would be nice although I understand that might not be possible. If not for me, perhaps something can be done to prevent this type of unethical, frustrating, improper, incompetent behavior and/or activity from happening in the future.


If it was n't so difficult to change banks, I would drop WF in a heartbeat, but I 'm not altogether convinced that the situation would improve by taking my business elsewhere.
On my credit reports, it states that the debt is still open when it was paid and closed. I have verification that the debt was paid.

Regarding my previous complaint I have spoken to the bank and they do n't want to lower our payments and say that we should do liquidation. I do n't want to lose my home and I do n't want to do a short sale. I 'm willing to pay however the payments the bank wants are outrageous. 
My complain was : We requested a modification from Bank of America they put us on a trial payment after making the payments of {$1300.00} for 3 months and after telling us we will get a better deal how ever they did not modify the loan at all. The interest rate and monthly payments remain the same, they did not modify anything. We were atempting to get a loan modification from the bank for more then 4 years. And they also deferd all the principle to the end of the loan term. Also the market value of the proparty is around {$200000.00} and the bank put {$350000.00}. Basically the loan was not modified.
Took out payday loan of {$600.00} and it turns out that the payment plan that they set up continually renews the loan without any of the payment being applied to principal. I should have read the fine print. I believe that the interest rate that they are charging me is in excess of the PA rate cap by law
I received the attached scam email regarding a payday loan that I never took out.
Tried to get free credit report, was unknowingly signed up for their monthly service ; was charged {$1.00}, which they claim they can not refund in spite of the fact that I called them immediately ( no more than 5 mins ) after I created an account on their site. The charge is only {$1.00}, which is small enough that most people will ignore. However, thousands of people do this and thus the credit company makes a lot of money by cheating you out of a buck. They also offer no way to delete an account, I was told I can only " deactivate '' an account and they would not absolutely confirm that my account and associated information ( including credit card info ) would be deleted.


2. If this bill has already been listed as a " charge-off '' how can another company take ownership over the account? 




I have had fraudulent activities on my Citi bank Credit Card account. They have failed to assist me. They are supporting criminals/fraud operators, making derogatory comments, the most unethical and unprofessional language. I was harassed on the phone and cursed me. Upon request proof will be provided. 
Citi Bank needs to dispute those fraud charges and has to obey my country`s laws and regulations. Citi Bank STOP the crime!!!! Stop supporting Criminals and terror operators!!!


Please assist me in communicating that this debt is n't owed and to reimburse any and all monies due to me. Thank you!
I received notice of a hearing from the attorney for a motion to renew judgment on a very old debt. 




They are also charging me {$960.00} in interest on a {$690.00} balance for a total of {$1600.00}. I feel this amount is ridiculous, especially since I never acknowledged this debt and the statute of limitations has run out long ago. 


As Mary Jane Elliot et. al must be aware, I have limited resources to respond to her lawsuit. At the very least she should be suing me in a court near my residence not somewhere I have n't lived in a decade. 


In closing, I would like to comment about the importance of protections to safeguard the rights of consumers from the unethical actions of creditors such as Mary Jane Elliot et. al. 

I had a home equity line of credit. The line was closed and the the amount of the money borrowed from the line was created into a new loan when the house the line was associated with was sold. I have made the agreed upon monthly payments since the terms of the new loan was established. This loan is reflected as being " charged off '' and " delinquent '' on my credit report.
A Notice of Error has been filed, and is attached here. So far, Ocwen has not acknowledged the NOE.

I am aware that bank employees have quotas to meet and that closing an account counts against that quota, so this may be what is causing this issue. I also am unaware if they may be actually closing it then reopening it or what exactly. 
Could you please check into this? Do I need to contact the police to file an identity theft complaint? 
Thank you
I was past due 30 days with Bank of America on my credit card due to a hardship. 
I requested debt validation from Midland per Texas Finance Code Section 392.202. I received a response letter in the mail from them stating that the purpose of the letter was to advise me of the results of my dispute. They also stated in the letter that they would be placing dispute comments on my credit report. 

I did not dispute the account, I was simply requesting debt validation. 

I believe they are purposefully treating a debt validation under Texas financial code as if it were a dispute under the FCRA. I believe this is an abusive application of the FCRA dispute process as placing dispute comments can derail credit applications. 

In addition they did not provide me any of the debt validation information that I requested and is required by Texas financial code.
I am writing regarding recent handling of my account with CitiFinancial. 
I also want to provide feedback about their phone system, the communication I had with their corporate office, and their customer service department. 
Calling the Texas number is n't any better. When I called that number, the automatic greeting said " thank you for calling One Main Financial. When I pressed the option I wanted, the automatic greeting said " Thank you for calling CitiFinancial. '' When I spoke with the person on the line, she told me that I needed to go to my local CitiFinancial office and I could get the subordination there. She looked up the number for them, and when I called, the manager answered " One Main Financial. '' The One Main manager told me that CitiFinancial mistakenly sends their customers to One Main on a regular basis. 
Customer Service : I have spoken with customer service on several occasions, and some of them have tried to be helpful, but have their hands tied when it comes to providing customer service. They tell me that there is n't a supervisor to speak to, and it 's going to be 30 business days. That 's all they can say -- they might as well be a recording. I 've been waiting for 4 full weeks, and I apparently have 3 more weeks according to customer service. I want to paint my house and put in a new fence so I can plant my garden -- things that have to wait for CitiFinancial. And it probably goes without saying that once this document comes through, I 'll be looking for another lender to finance this loan through. Livid does n't begin to cover how I a feeling at the lack of customer care that CitiFinancial has for me.






I want this matter resolved as soon as possible by deleting any negative error they had made against me with the credit bureaus, and pay any statutory damages that it caused me to resolve this matter including legal fees, international calls, time, loss of investment, medical fees I paid for the stress it brought during this ordeal.
After contacting State Farm Bank requesting information on an alleged account that appeared on my credit report, i requested a copy of any sign contract or application of credit and they refuse to provide me with anything and refuse to remove it from my credit report even after they can not verify that it pertains to me.
I am writing to dispute the follow information in my file. 
Thanking you in advanced regarding this matter.


Thank you for all that you do. Please help fix this crisis. 




My lien holder for my automobile does not accept American Express. However, my lien holder does accept checks. I need to have this processed in a way which will be received by my lien holder, or I need to know what happens to my money. I have the receipt which I can send to whomever needs it.
I have made contact and gave this payment over the phone.
I recently had repossession of my vehicle, The vehicle was under mine and my wife 's name. I went through a divorce. Never spoke to her. She had the car for 2 years without making a payment..capital one never contacted me ..until a a couple of months ago. When the repo man came to the door.. he was looking for the truck and told him my ex wife has the truck. I ended up getting the truck back and called capital one and told them what had happened. The rep said that if I can pay on it for 12 months that I would get the title and the car paid off. I was happy to work out the plan because it seemed very nice for them to work with me and understood my situation. After paying on the car for 4 months on time..they repo ed the car and told me that I would need to pay the whole balance to get the car back ... I think this was hugely miscommunication with me.. now I have a repossion on my My credit report. And trying to buy another car is very tough. I felt I was done very wrong and violated numerous laws.. please help! Thanks










Debt was paid through my insurance and the balance with my debit card. The original creditor did not inform me thst i had a balance because i used my insurance for medical visits..so now i have various collections for small amounts..dropping my score tremendously i paid the balance anyway..and assured me that they will not report it to the credit bureau..i was lied to and comoletely mislead..please help!!
So, I want CFPB 's help with this problem with SPS. SPS is operating outside the law and has committed FRAUD. What they did by forcing me to be in default when I am not is ILLEGAL!!!!! 
I would appreciate guidance as to what my options are in this case where my lender is corrupt and committing illegal acts as well as fraud with the mortgage loans that they service. 
Thank you in advance for your help!




They would not re-issue a card. The last individual I spoke with told me that the card was issued in Pennsylvania so for some reason the Credit Card Accountability Responsibility and Disclosure Act did not apply to them. I 'm told that it is clearly in the terms and conditions for the use of the card. 

This seems entirely unreasonable and if it is n't illegal, as far as I 'm concerned it should be. 

I am interested in learning more about this law and filing a complaint.

they call my place of employment several times a day, they share information they say pertains to me with whoever answers the phone, they ask to speak to my supervisor, they refuse to send me supporting documents of the debt, they say they have but I have never received, I do n't know who they are, they ask me to verify my name, ssn etc. without telling me who they are, they just give their name when I ask for a name, they finally gave me a company name that researched to find it is some type of collection agency, they wont let you talk but talk over you, they say I only want supporting documents to delay payment, they demand immediate payment and offer a settlement but do n't tell you a settlement for what.
I get a voicemail message that states, " by continuing to listen to this message you confirm that you are ( name ) .... then it gives a phone nmber to call. I tried calling a few times but ca n't afford to waste my minutes on hold. How is it that my voicemail " listening '' to a recorded message is a confirmation of my identity? How is this a legitimate " attempt to collect a debt ''?
I sent an email, several days ago and have heard nothing back except for an automatic confirmation that they received it. I also tried the phone number but I am not able to speak to a person without a credit report number. I was able to finally get ahold of a real person after calling their business customer service line ( getting yelled at for doing so ) and getting transferred several times. The customer service representative I finally got on the line was not able to access my account, and " escalated '' the issue to a group that " handles these issues '' through an email that only Experian employees have access to ( there is no way to call this group either ). He could n't give me an estimate of how long it would take, but said they would call me back soon. Based on my previous experience with Experian and email, I have no guarantee that I will ever hear back, and I do n't know what is considered a reasonable amount of time to wait for them to respond. 

So, I 'm getting a bit antsy as this is the last step to getting my dream home, the clock is ticking, and it seems I may not be able to secure a loan without resolving this glitch. I figured that filing a complaint here was a good step to take. 


I can submit any supporting documents you need to help me resolve this. Thank you!
I therefore request either a corrected report or a correction to the code returned when a bank requests information regarding me using my social security number or name. If possible, I further request an explanation why for the past year I 've been unable to be added to a joint bank account with my husband, yet the report I requested contains no negative reporting associated with my social security number. 
I believe I have a copy of the bank 's " bad code '' report, but I definitely have a copy of my ChexSystems report if needed. 

I received a letter from this company stating that I owe then a debt. To my knowledge I have never done business with this company and nor have they ever provided services for me
This account that i do not recognize was opened as a result of identity theft and needs to be removed immediately., continued reporting/collection of an account that was opened of because fraud
I do not know what this account is this account does not belong to me it was opened up as a result of my identity being stolen .. and needs to be removed
I have submitted a valid ftc report and police report and this collection agency refuses to comply with FCRA laws

I requested that they update the late payment report to the credit bureaus as I did not receive a statement or a late notice until after the second cycle. They refused to update the credit report. I also requested proof that they had sent me a statement or a notice of late payment via email. They stated they could not provide that proof. 

I never received notice of my statement or a late payment from Macy 's. 

Prior to this, I had a credit balance with them and have never missed a payment.



Thanks in advance for your help with this matter. 

Portfolio recovery has contacted me several times a day on phone lines I 've told them there is no permission to contact me on for months. Each time I 've told them to submit everything in writing so i can verify who they are and possibly dispute the debt and each time in told they do n't need to. I 've told them to stop calling and I 'll receive another call right after on another line. There was a time they called every hour..

NEW DOCUMENTS - THIS IS NOT A DUPLICATE FILING - JPMORGAN CHASE CONTINUES TO DENYMY CLAIM OF FRAUD IN MY NAME. THEY HAVE DENIED CLAIMS FILED THROUGH THEIR COMPANY / POLICE REPORTS / CFPB AND NOW DENIED ONCE AGAIN. PLEASE SEE ATTACHED DOCUMENTS.
Wells Fargo continues to charge me late fees when their own system shows that I am making more than the minimum payment each month.
I ask that you may assist me in getting Chase to amend their late payment reporting to the credit bureaus and help me to recover my strong credit that was severely damaged through no fault of my own. 
They are trying to tell me that I have fraudulent activity associated with my social security # and that I am being sued for {$1500.00}.
My Mortgage lender lied to the court in a foreclosure proceeding. They stated to me, the borrower, that they were reviewing my loan modification request. Instead, every time I call the Mortgage Lender ( NationStar LLC ), I am transferred from representative to representative without getting an answer to the complaint filed with CFPB. 
In particular, NationStar LLC lied to the court in a foreclosure proceeding against our home and fraudulently obtained the title to my property. With the title on hand, Nationstar LLC sold my home to a third party without my knowledge. 
They called my mother 's cell phone and NOT ME. When I called to find out who it was & what for. I have NEVER received a debt letter or heard of ERC. When the collector demanded collection & told her that her company has never sent me a letter of debt.




The whole process seems fraudulent to me. A way to delay the process such that loans with best rates are delayed so that they are cleared to close only when rates go up. How can a company take 7 month to process a loan?
I am in the process of purchasing a home for my son and his family. WHile completing the mortgage application, there was a judgement that appeared on my credit report. I have no idea what this is from. 
My loan officer assited in researching the matter as the only number listed on the credit report is the courthouse. 
I asked for the credit card agreement that was signed and was told a request was sent and the timeframe was uncertain. 


I sent an International Wire Transfer through Citizens Bank, and the amount that the recipientreceived was less than Citizens was to deliver. All transfer fees were paid as agreed with the bank, ON TOP of the amount sent ... Therefore, Citizens stole some of the money from the transfer
Returned my vehicle once I was laid off from my job, was not past due ... .but they immediately filed for a judgement on my credit.
I was told I was preapproved for a Car loan/refinance on one of the Bank of America branches and was encouraged to apply. Prior to beginning the application I asked if it the inquiry would affect my credit score. I was told that because it was just a inquiry to confirm my identity it would not affect my score. I also asked if I would be able to refinance even though I had taken out the loan with my mom ( who is a cosigner ) and the car was registered under her name and the title was also under just her name. I was told that as long as my name was on the car loan I would be able to refinance. After getting approved and spending over 15 hours on the phone my current BOA loan costumer service obtaining all the information they had requested, I was told by a different representative prior to final submission that because I was not on the registration or the tittle of the car ( because the dealership did not include my name ) I would not be able to refinance. I explained that I was told both at the bank and through the phone by previous loan representatives ( which was recorded on their recorded line ) that all that was needed was for my name to be on the loan to be able to refinance the car loan. After speaking with a manager and explaining the situation ( and the fact they had the conversations with BOA representatives on recorded lines stating that all that was needed was for my name to be on the loan to finalize the loan ), the manager stated that there is nothing they can do on their end and I would have to either reapply or make it a third party purchase which would end up being more interest and higher payments on my end. I attempted to update the tittle, however, that takes over 3 weeks and the approval was only valid for 30 days. I also found out that the inquiry had indeed lowered my credit score as it showed as a credit inquiry on my credit report. I was extremely upset at the fact that I was misinformed and that most of the staff was not well trained and this ultimately led me to have an inquiry on my credit report, with no loan to show for. All they were able to say was they they apologize for the misinformation, however, I feel I should not bear the cost of their neglectance in staff training and procedure.
Over 5 years ago, I took out a payday loan that was paid off. I do not have records of this transacation anymore and this has popped up all of a sudden and now this company calls me, my family daily. Honestly I feel this is harassment and I ask them to send me something in writing that shows I didnt pay and they can not. They have no proof of this.
a mortgage co bought out my mortgage and kept putting partial payments in an account they called " unapplied funds '' even though I told them it was extra principle over and over again. when they finally applied the funds correctly, they cheated by not applying them to the correct month. as a result the discrepancy continues growing each month despite my constant complaints
We requested a modification from Bank of America they put us on a trial payment after making the payments of {$1300.00} for 3 months and after telling us we will get a better deal how ever they did not modify the loan at all. The interest rate and monthly payments remain the same, they did not modify anything. We were atempting to get a loan modification from the bank for more then 4 years. And they also deferd all the principle to the end of the loan term. Also the market value of the proparty is around {$200000.00} and the bank put {$350000.00}. Basically the loan was not modified.
Company keeps calling me at work and at home and NEVER identify themselves or company name. They leave leaving threatening messages for fraudulent debt. The message started with " A complaint had been filed against you '' and that I " and or my attorney need to call ''. '' They then threatened to contact my place of employment. I have not received anything in the mail in regard to this nor do I now owe, nor have I ever owed, any bills or other debts. You call the number back and get no information concerning true identity of company.

I have contacted our Recovery Department regarding adjusting your balance owed. 
Company keeps calling me at work and at home and NEVER identify themselves or company name. They leave leaving threatening messages for fraudulent debt. The message started with " A complaint had been filed against you '' and that I " and or my attorney need to call ''. '' They then threatened to contact my place of employment. I have not received anything in the mail in regard to this nor do I now owe, nor have I ever owed, any bills or other debts. You call the number back and get no information concerning true identity of company.
On my credit reports, it states that the debt is still open when it was paid and closed. I have verification that the debt was paid.
Please, review the statue, regarding bankruptcy.
I immediately responded back, via certified mail, requesting some form of documentation, financial acknowledgement or media. 
After careful review I noticed their was n't any social security number, treatment date or a breakdown of any services provided. 
I wrote back to the collection agency advising them to contact their client and have the account removed, because clearly this was n't my debt and I was never a patient at the facility in question. 
Recently, I pulled my credit profile and noticed the collection agency placed this balance on my credit report knowing they had the wrong person! 
Aargon Collection Agency has clearly violated FDCPA and FCRA and has placed inaccurate information on my credit report knowing they have the wrong person.
My husband was laid off and we filed for bankruptcy. We became two months behind in our mortgage with Chase Home Finance. No loan modification was offered. Instead we were put on a repayment plan and charged exorbitant fees for four months. 
I feel that we were overcharged.
If they do not send my Note back, how will I know it is not still in that trust, making them money.
They claim its because of my past credit problems after the passing of my wife and are now corrected but, when they were n't corrected they did n't have a problem keeping my account open. How can they justify closing my account that is in good standing for years and say its because of thepast with someone else but, has been fixed?
I verbally asked Asset Recovery to remove my work phone number and to cease calling me at my work however they have continued to call me at work.

This collection agency continue to threaten me with wage garnishment about a debt I know nothing about. In the past I went to the court to get information about this debt. It was to a fitness club I never attended.. All court information was sent to an address where I did not lived at.
Just about every day for the last 30 days, they have used there Fraud dept to shut off my personal debit card, and force me to use my Business debt card. 
I keep min funds in the Business account, so each and every time I use it I get chargeda over draft fee. 
Wells Fargo refuses to remove these fees, as I have informed them of the Federal complaint to the FDC, and pending legal actions. 
I have spent over 20 hours on the Phone with the Fraud Dept. updating my info, my location, my travel routes, etc. and been insured this nonsense will cease, only to have it happen again, again, and again. 
I also believe as a Consumer, I am protected by law from harrasement, bullying, and unfairbank pratices. 
Please give these complaints your greatest attention. 
Americans are tired of Crooked bankers. 

Debt was charged off by original creditors
I have been unable to get a credit report from experian. I believe there are wrong information and would like to review all of my credit scores. I have n't had a credit card in a long time and need to find out what is on the credit reports they say I am entitled to a free report but ca n't seem to get in contact by phone or online.
I get a message that my escrow account is short {$560.00}, I pay that, send it in, then I get another message that since I sent in the {$560.00}, they assessed my account again and found I 'm short again {$68.00}. In one month my account went up {$43.00}. This is wrong.
Selected CHAT and was just now informed that my {$2000.00} line of credit/card was cancelled at sometime due to inactivity! With absolutely NO prior written notice as required by law, I believeThe CHAT female even hung up on my cut me off
Nationstar Mortgage does n't respond to my requests to have an agent present at the sale of my mortgage. Also, I 've called customer service several times asking for the original stock certificate and proprietary lease. They do n't seem to understand that I need the documents and a rep present at the closing ; otherwise I ca n't finalize the transaction. Please assist. Thank you.

I do not wish to speak to company representatives by phone. I took their offer at face value and was trying to do the right thing. I do n't believe their offer was a good faith offer or negotiation.
Obviously, the company is fishing for victims who will pay the debt for whatever reason. 
Can something be done to stop them? 
Thank you in advance for any help you can provide. 
constant robo calling

I went to the courthouse and asked to see my file,. When I saw the process servers paper I knew why. This hearing was supposed to be defaulted, and if my neighbors would n't have given me the mail with their address, a year after the hearing, I would n't have gotten thus far. 
I went to file to vacate the order and a to quash the 'subpoena duces tecum ' and was denied. I tried to explain to the judge that I never received a subpoena and the process server lied because the description on his paperwork did not describe me, and in fact it was the opposite description of me. 
While investigating all this I believe that my credit report is how they found out what bank to go to, and making it appear that I owed them a debt and they were the creditors. But by not informing me of the hearing and winning by default, messing with my credit report, I have stressed enough from all this just to have my motions denied. 
Procollect , Inc. 
I called Netspend and was told I could n't open a account because I have to many cards open. I told the representative I lost my DL, bank card and social security card back and 2010. I never open cards with them and I would like to. I was denied.





Additionally, we have received daily collections calls from Citi with the callers having no information that we have applied for a short sale.
I filed a complete loan modification packet with Wells Fargo Bank, afterwhich Wells Fargo Bank denied my loan modification request. 
Wells Fargo Bank 's denial letter had factually based errors contained within it. 
Wells Fargo Bank commits these errors either through gross negligence or intentionally created and Wells Fargo Bank has no intention of conducting a good faith loan modification review. 
Wells Fargo Bank should not be allowed to just deny loan modification applications based on factual errors, and than Wells Fargo Bank should not be the only entity to review their own errors in the borrowers loan modification appeal. 
Wells Fargo Bank literally just goes through the motions in order to appear in compliance with the law, but than does not even bother to read the borrowers documents that they have submitted in support of the loan modification process. 
This act alone also cuts into the borrowers time to prepare documents and submit a timely request for review. 
Wells Fargo Bank 's entire loan modification process is a farce and set up to blatantly ignore the borrowers information in order to expedite Wells Fargo Bank 's predetermined denial. 
Wells Fargo Bank continues to violate the CFPB 's rules and regulations.
TransUnion has several systemic issues in addressing consumer complaints. :1 ) If new information or documentation is provided regarding a dispute, TU automatically claims the dispute is frivolous as the " account '' has already been verified. 

2 ) While TU may not be required to investigate information from judgments/public records, they should at least make certain the information matches the public records! 
3 ) TU is not considering the original date of delinquency to establish the date the item will be removed. 


This error on my TU report is preventing me from purchasing property. This is unfair and is in violation of the FCRA. 

Thank you very much. 
There were NO Capital One notices in any form to me to notify me that my account was restricted and for what reasons. 
Discover Card sued me in Indiana Small Claims court and entered a judgment against me that exceeds the {$6000.00} Indiana Small Claims court judgement amount. 
In an attempt to collect the debt, my bank account was seized. I requested a court date, as my bank account contained both FEMA and Unemploment derived funds. The attorney for Discover Card phoned into the hearing and lied to the magistrate. The magistrate informed the Discover Card attorney that the funds were indeed exempt, and the funds were returned to me. 


How is any of this behavior legal, and where can I file a complaint. I also plan on contacting the FBI. 

Thank you.
Failed to stop sending notices, failed to provided details of amt due, fialed to send request information per my letters. 

Violated Fair Credit Collection Laws. Fail to response to my letters requests.

So that 's what I did. Except, in tiny letters, it says, " Includes 7-day trial membership ... '' It does n't say that there 's a COST associated with it. Just that you 're automatically enrolled. And there 's no way to opt out before paying that {$1.00}. 

But there IS a cost associated with it. It 's {$19.00}. However, I just found out that cost 2 WEEKS after I thought I had gotten my credit report and FICO score from them. It finally showed up on my on-line bank statement a day or two ago. By the way, when I got the " Welcome to the club! '' email from Experian, it still said NOTHING about the cost, or that it was a recurring monthly cost. 


They also say that you can be refunded your " prorated amount when you cancel. '' That has turned out to be a lie, since they repeatedly refused to refund me ANYTHING. 


What I wound up doing is calling my bank, and disputing the charge. Also, contacting Experian 's billing department to demand full reimbursement. 

This debt collect continues to report false information for a debt I do not owe.
This debt has shown up on my credit report ( see attached communications ) It is not my debt and Ihave followed all the proper steps under the Fair Debt Collection Practices Act, 15 USC 169g Sec 809 ( b ). The collection agency has failed to respond and the debts still appear on all three credit bureaus as a collections debt. We were recently denied a mortgage loan due to these being erroneously placed on my credit reports.
The collection agency continues to report false information on a debt I do not owe.
Our credits were ruined badly and we are deeply distressed by this.

Wells Fargo 's actions with respect to the aforementioned account closure & denial of payment on the cash back rewards balance constitute fraud in the inducement, bait and switch and failure of specific performance related to the terms and conditions of the promotional offer which all parties expressly agreed to be bound by and was the basis for the bargain at the time of account opening. 

Wells Fargo is within it 's rights to close my account, however to allow me to complete all of my responsibilities with respect to the promotional offer and then arbitrarily seek to avoid payment on a previously earned cash back rewards balance is a procedural and substantive unconscionability on Wells Fargo 's part. Unconscionability is a doctrine in contract law that describes terms that are so extremely unjust, or overwhelmingly one-sided in favor of the party who has the superior bargaining power, that they are contrary to good conscience. Furthermore, under common law an offer can not be revoked after it has been accepted. Moreover, in this instance performance remains and consideration is due so Wells Fargo has a duty and obligation to pay the full amount of my earned cash back rewards balance related to the promotional offer. Wells Fargo 's failure to pay the full amount of my cash back rewards balance related to the promotional offer for which I had fully qualified and Wells Fargo 's refusal to state a valid reason for account closure constitutes bad faith as it would appear that the account was closed solely with the intention of depriving the account holder of the promotional payment. 

It is undisputed that a valid contract with acceptance and performance exists which lacks consideration and justice so requires Wells Fargo honor it 's obligation under the contract to provide payment in full ( {$1700.00} ) on the disputed cash back rewards balance related to the promotional offer for all of the reasons outlined above. 

The debt collector is reporting false information on a debt I do not owe. Trans Union is reporting false information.


As a consume, I am not able to understand their explanation. I can provide my last 24 months statement, you can look at it and see why those interest charges applied every month. They are charging me initially 3 % of loan to provide 0 % for 18 months and then they are charging interest fee every month. But I am paying off my all monthly purchase transactions as per their statement. 

Let me know if my statement make sense or not. 

Thanks

A portion of their letter to me reads as follows, " By paying your balance in full or starting an approved payment plan YOU WILL BE REMOVED FROM THE BOOT LIST. You can pay with credit/debit cards over the phone or by calling us today. '' The obvious implication of the sentence about is that I am on the boot list, and am in danger of having my car booted and/or towed away at any moment. 



It is abundantly clear from the letter that Arnold Scott Harris ' office wishes to scare me into thinking that my car is about to be booted and/or towed/impounded if I do not pay this bill. Why else would they say, " you will be removed from the boot list '' if payment is received? This is a clear violation of the FDCPA, as their own representatives agree that I am not on the boot list, yet their letter threatens otherwise. 

This is obviously a form letter, so I am clearly not the only person who has received such a letter. How many others are out there who are n't on the boot list, yet are being threatened with actions that the firm knows will never take place? 

This is completely unacceptable. A law firm should certainly know better than to issue a collection letter that is clearly in violation of the Fair Debt Collection Practices Act. Is Arnold Scott Harris somehow unaware that making false/misleading statements in order to collect a debt is illegal? I doubt it. I 'm sure this language is included in the letter on purpose, as scare tactics can be persuasive. 


My complaint is against the credit bureau Equifax. Several attempts have been made to all three credit bureaus in an attempt to have a negative item removed. Equifax has repeatedly failed to properly investigate my dispute and I have provided more than enough documentation to prove me claim is true and accurate. Had Equifax seriously investigated my claim, they would have found the proof of the error is in the credit report itself. 
Equifax is in violation of several Federal Laws and has neglected to properly investigate my claim. From my understanding of Federal Law, Equifax is obligated to do the following ; Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. 
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
I looked on my credit report and saw Enhanced Recovery on there for a debt I do n't owe. I sent for validation request to them and they just keep ignoring me and continue to report this error on my credit. They never notified me that they were about to report anything on my credit. Enhanced Recovery is in violation of the FDCPA
This debt collector is in violation of the FCRA. The FCRA requires debt buyers to notify you when they report negative information to a CRA. 






After I challenged the validity of the fraudulently created document, the attorneys dismissed the case without prejudice. 


Wells Fargo strongly disagreed with me, and kept saying that they originated the loan and also had servicing rights, as well. 

The problem exists, because the mortgage note was not transferred into the trust during the 90-day period that is required by SEC regulations and laws of the State of New York. 




My family has endured a lot of emotional suffering as a result of the practices of the banks involved in this case.


My family members and friends who have this card have used it in the normal course of their daily lives and made no unusual purchases. However, some of them had seen an increase in their purchase amounts over the last year due to home renovations and the purchase of cars with their card ( neither of which are prohibited transactions or transactions not allowing for the earning of miles per the SunTrust terms and conditions ). As a result, some of these folks have earned a considerable amount of miles over the years. 



I would ask that SunTrust look into this, honor its advertisement, stop closing accounts, and educate its employees on the rules and regulation out there. Clearly, the SunTrust employees mentioned above are in no condition to judge on the legality of SunTrust 's actions as they appear to have no regulatory background. 

Looking at their accounting of our payments, it shows reversed payments, the suspense payments being made. When calls are placed to customer service dept, you never get the same answer twice from OCWEN.
The collector left a voicemail message on my husband 's phone, stating that the message was for another person ( stated the name ). She stated that she was attempting to reach me ( stated my name ), and to have me contact her. She gave her name and the name of her company, and what the debt was for. The caller was not authorized to contact anyone other than me about the debt, and is calling random people with the same last name in an attempt to reach me, but is disclosing confidential information that no one else should have knowledge of. I have retained the voicemail message for my records.
I was not able to get a refinance and was to by the servicer of the loanthat I did not qualify for a loan modification after at first telling me that Idid. However, I was later served with foreclosure papers and have beendefending myself in court for the last 3 1/2 years against Everhome Mort.
Lost jobs unable to pay, gave us small payment plan
I have all of the paperwork and names of the persons that I spoke with at Beneficial that show every step of the way. 
Thank you for your assistance with this. I hope that my story will help others.
Can you reach out to them to have this matter resolved to have the old creditors deleted from my file?
I am sending this credit bureau dispute directly to the CFPB only because I could not locate and address on either lenders bills ( I have an older copy ) or website for the address a consumer may submit a direct dispute. Both Lenders do provide an address for NOE and RFI requests. I did originally refer to my efforts to force the sell of the home with a previous NOE/RFI request sent to both lenders. 
I need help and any consideration would be appreciated. Thanks.





It is against the law to auto dial after permission has been revoked. They insist on breaking the law to try and get money they are not owed. It is not my fault they bought the debt. They keep trying to get me to make payments, and reset the statue of limitations. They insist I write a letter to stop the calls. But they do n't have a legal purpose to call the new cell phone number. Skip tracing is harassment. I need them to leave me alone, I will never pay this debt.
Chase Freedom Reward Credit Card / Amazon.com Reward ( provided by JPMorgan Chase & Co. ) Chase decided to close my credit card accounts. At the time of the account closure, I had more than {$200.00} in rewards balances. Chase did not refund to me, nor apply the rewards balance to the balance on the credit cards. Chase " forefeited '' the value of the rewards account. I now owe Chase ~ {$270.00} for the balances on the account. Chase is unwilling to apply any rewards value to that balance. 

I imagine there are a significant number of potential class members who have had their Reward balance " forfieted '' when their account is closed.


This was not a case of FRAUD, as I reported my debit card lost nearly a month prior to that charge. This was a MISTAKE by the bank -- -- they never cancelled the lost debit card and continued to authorize transactions on it. 

I am reporting this because these are serious mistakes made by this bank. And for this reason, I will be closing my accounts with Suntrust Bank.
AALLC continues to report this debt on my credit reports whichis deemed to be continued collection activities.I request that AALLCdelete this inaccurate, incomplete, injurious information from all mycredit reports immediately as I am compiling their multiple violationsof Pennsylvania Consumers Laws, FCRA and FDCPA. 
This company also illegally verified my credit disputes via the creditbureaus.AALLC has ignored all my attempts to rectify this situation. 
AALLC isbeing willfully non compliant and are fully aware of their violations.
I have tried, since the beginning of my car loan, to have Wells Fargo Dealership take a monthly car payment out of my bank account. I filed a complaint with Consumer Financial Protection Bureau and Wells Fargo contacted me and put a payment behind my loan, but had various reasons I could not have a direct debit taken from my bank monthly. I also asked for a payment history to be sent to me monthly, showing payments, and principal status, but that did not happen. I do not receive loan payment books, not loan payment history. I asked for a refinance to lower the interest, but I was told I was not eligible. I asked for late payment fees to be decreased, but they continue to follow my loan, increasing as the loan continues. 
Please will you help me by : inquiring what my interest on this loan is, why it can not be lowered, why I can not have a monthly payment debit taken from my bank, why I can not have a payment history sent to me monthly showing my payments taken off the principal? Can you inquire what my late payments are adding up to? Will you help me get a lowered monthly payment that can be taken out of my bank account? 
I recently sent the bank a check from my car insurance company for {$3000.00} to try and help me catch up with this loan. The check was made out to Wells Fargo Dealership and myself. I received the check for car repairs, but my family is helping me fix the car. When I sent the check, I asked for a payment history again. I asked for help with the loan. Wells Fargo Dealership has not responded to me. 
When I talked with representatives in the President 's office, I complained that the loan officers were rude on the telephone, being threatening, harassing, calling every day, and I requested them not to call me. I requested contact by e-mail but that was denied due to procedure. I have requested full disclosure and correspondence by snail mail, but that has also been denied to me. I feel frustrated, like I have been in a no/win situation since the beginning of this loan.
my wallet was stolen along time ago and now im receiving a letter stating I owe a banking institution this is not me
Thank You,
The requests are unnecessary and a delayed tactic that the servicer is engaging all requests were responded to and all questions addressed.

Here are issues. 1st, the definition of " cash-like transaction '' is very ambiguous. Chase could explain it in any way favor the bank 's interest. 2nd, as most of credit card, a cash-advance limit is posted to protect the bank 's interest against the potential fraud causing by withdrawing large amount cash. However, this limit does n't apply to Chase. The bank can re-categorize a past credit transaction as " cash advance '', regardless the " cash-advance '' limit, the bank imposed on the customers. 3rd, Chase does n't notify or disclosure their behaviors of re-categorize a past credit transaction as " cash advance '', which causes the customer 3 % fee and extremely high interests, charging on the daily base. 





Furthermore I just received a phone call from one of their representatives at work. 

Bank of America has charged me late fees for several months even though I had signed up for electronic payments which were set as minimum payment by the account manager. Months went by before I was contacted regarding late fees since the minimum balance was not being taken out. I decided to pay off the account which I did before the payment due date and now they are charging me a {$37.00} interest fee, this on top of all the late fees they have erroneously collected from me due to their mistake.
My escrow payment increased significantly from one month to another without warning. I still do n't understand why this issue could have been avoided. After several calls to my mortgage company Castle & Cooke I remain confused with the lack of customer service provided.
Collection agency contacted me trying to collect debt on an account that is marked written off on my credit report.
I receive repeated calls daily from this company. I signed up for a debt consolidation service and they continued to call my personal phone and my place of employment. 
Causing a phone to ring repeatedly in the attempts to annoy or establish communication is against the law. I have asked for the calls to stop and sent a cease and desist and still the calls continue.
This was for a medical procedure that was contingent on it working.My MD & me agreed if it did n't work, I would n't be charged. We worked at the same hospital system.
This is not the original amount and I was never contacted about this. It was just put on my credit.

What I got from Eastern Account System Inc. was a computerized generated print out. This is not valid proof. 

See attached leeter.
Purchased wrong items at Macys online using a Macy 's Gift Card. Items wrong sizes. Customer service tells me to place new order for exchange using my Macy 's credit card account and they will then credit this account for exchange. 
After 45 Days of waiting and contacting Macy 's numerous times, Macy 's has still been unable to correct charges on my credit card account, and Macy 's has charged a late fee as well for not paying my credit card account on time for the incorrect charges to the account. 
Macy 's has been unable to track my accounts and purchases. All the items have been returned, and there still has not been a full credit to my Macy 's credit card account or the Gift card. Macy 's representatives were unable to identify any problems and dismissed my complaints as well. 
No confidence with Macy 's credit card account.
I have also been told that my account is in the bankrupcty department and no one has active bankrupcty that is on the mortgage account, I have asked this department on several occassions to remove my account from the bankruptcy department and to date have not been removed from that department.
This account is over 7 years old and is still being reported
HAS REPEATEDLY CALLED MY WORK NUMBER AND DISCLOSING INFORMATION TO CO-WORKER
Chase bank is assessing interest to credit cards based on a different formula than what is written on their disclosure. Even though I paid off my full balance on my credit card, Chase still assessed {$50.00} in interest to my account. 




Furthermore I just received a phone call from one of their representatives at work. 

I think it will go a long way if the Bureau of Consumer Financial Protection contacts Nelson and Kennard and just ask some simple questions. Like " When did you supposedly sue this person? Do you have court document showing proof of service? Who signed the proof of delivery? Show us documentation proving you have the right to collect this debt? " Please help as I do n't know who else to contact and really need a help from your organization to help with this dispute.
Thanks
b ) The consumer rejects all loss mitigat
This is an urgent matter that requires your immediate attention to ensure continued availability of your PayPal Account and to avoid additional collection efforts. If you do not resolve your negative balance today, your account could be sent to an outside Collection Agency for further action. 
Please log into your PayPal Account today and follow the steps outlined below to resolve your negative balance. 
Sincerely, PayPalDo not reply to this email. Please send all messages through the email form on our website. 
As I stated in my initial complaint, eBay and PayPal need to be audited prior to allowing them to be traded on the market individually. PayPal " IS NOT '' a money transfer company ONLY as they claim in their SEC filings implying that FDIC rules do not apply to them in their financial business transactions ... the banks seem to not want to be directly accountable for PayPal transactions ( credit/debit/fund transfer ) activities ... 
We were approved for a mortgage. All the necessary deposits were made. All necessary information was given to the mortgage company. The day of settlement, just hours before we were to sign the papers, the mortgage company backed out. Leaving us with only a week to find somewhere to live. There explanation was that we had a late payment due to me being laid off for 9 months in 2013. Why can a lender do this just hours before settlement.
The above is what was issued for the report-case number. 



The company Stallings Financial Group has been harassing me and threatening me about a debt for a doctor that I visited. I explained to the person that I was going through financial hardships and that I was unable to make an arrangement at that time. I asked to speak to a supervisor and was told he was the supervisor. I have a very sick child and have lost my job due to budget cuts at my company. The supposed supervisor was extremely rude and belittling during our brief conversation and exhibited the worst customer service I have ever experienced.
Now they are reporting to both my and his credit that we owe {$6100.00} for a defaulted lease. I called them and they said that because he signed the addendum he agreed to extend the lease for another year. 
Please advise the steps I must take to eliminate this.
Because the money is mine because I listen to what they said. 
Also a manager said the money is mines it will never be reversed. 
When a appeal is won it paypal fronts the money. 

I want my money back and the accounts involved to have no chargesthey deleted the accounts to hide evidence i cant even look at my financial historyI will wait for them to lie to you guys then i will bring out evidence '
An ADU is a complete independent residential living space that can be created within, attached to or detached from a single-family home. An ADU include provisions for living, sleeping, eating, cooking and sanitation. An ADU can provide supplementary housing that can be integrated into existing single-family neighborhoods to provide a typically lower priced housing alternative. 
Please finance the loan, and let 's not repeat the fiasco of 2 years ago. I am a great customer and have never, ever missed a payment, although I am getting weary of NYCB 's way of doing business.


so here is the message i sent t o rushmore loan management services. 



All of the cards I compared had either a 0 % interest in some form, no feeor no balance transfer. I chose Barclay because of the 0 % interest for 14months. Again, I have the documents to prove my assertions. I amunable to save them to my computer hard drive files, despite manyattempts. No doubt, Barclay has a good reason for that. I can provideprinted out copies, however.



your agency should take action against american express as it is the part of the problem anddamages are enormous and irriversable.. 
Is it a fact that debit card purchases are not protected from fraud, as they claim.? 
I do not find that in the accompany rules, it promotes direct deposit of salaries, incomprehensible that this fraud is allowedIf not please let me know I will pursue with american express. 


I called indymac first to find my payment, the number was directed to Ocwen. I have never been able to contact indymac since before my loan was sold. So I spoke with Ocwen and explained my payment went to indymac and why, I gave them my check number and bank proof payment was made. The response was " sometimes it takes a few. Months to receive, do n't worry about it ''. 
Ocwen has never removed the fees or gave me credit for the payment I made. I can have the bank research the payment and will, at Ocwens expense at this point. 
My escrow statements show payments made on time as I mentioned, now my homes value has almost doubled and Ocwen is blocking me from refinancing my home and keeping my credit score from the good points it should receive. 
I can have the bank research the payments and will if need be..but their straight up lying of such things as servicing my loan for 6 moths must end! They openly lied to me and a credit reporting agency.
I suggested that the financial institute who issued the check be notified and get status from them. 
Please help my family by putting to check. 

Also I ran credit report and the debt collection is not in credit report which I was under impression it was paid for. 


Also I ran credit report and the debt collection is not in credit report which I was under impression it was paid for. 

I was erroneously charged for items I did not purchase with my Bank of America cash back credit card. I called to file a dispute only to be told by the representative to go to the merchant and ask for a refund. She refused to let me file a credit dispute with them.
that debt is not mine I have never owned a general electric credit card
We have no other bad credit charges on our reports other than this. Thank you,
My mother have used my credit on multiple things that I did not authorize as a child and as an adult.
I believe that this is an unfair business practice.



Mother used my credit for multiple things thats I did not approve and I can not get someone to take them off.
Thank you

Thank you
There is a hard inquery on my credit report that I did not appl for
However, when I went online to check the account it was still in arrears! 
So, the fees/penalties continue to add up. We have called almost daily and no one will return our calls or do anything to help us. All they say is they will investigate, then send a letter saying we are behind, when are we going to get the account current????
The creditor sued me and obtained a judgement against me and subsequently garnished my wages on debt that had passed the statute of limitations.
I have been hit with several exorbitant banking fees at Bank of America making it extremely difficult to keep my account current. When I attempted to speak with an associate at my local branch, she informed me that the branches and customer service agents use a tool that restricts the amount of money they can refund. I was given the number for overdraft assistance and spoke with several representatives who informed me that the bank restricts the number of refunds they are allowed to give. I have been charged with over {$1000.00} in fees - {$35.00} on ever single overdrafted purchase over the course of several months - making it very difficult to keep my account current and get on solid footing financially. I would hope these customer service practices and bank policies that are anti-consumer to the core will be investigated.
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
Some creditor is reporting an inaccurate address/information. I disputed the inaccurate information & it was removed but my credit monitoring reported a new address and the entry is back. 

After my wife and I divorced in 2013, she signed a quit claim deed and made sure the divorce decree noted she was relinquishing her rights to the house. 
I then spoke with Citimortgage, my mortgage holder, who gave me the option to complete a loan modification. After filling out the paperwork and sending all the required documents, including the divorce decree and the quit claim deed, the Citimortgage auditor considered me for the modificationAfter review, the modification was approved. Because the mortgage was behind in payments, the mortgage was reduced {$100.00}. Due to my ex wife filing bankruptcy, I was left with too much debt, so I too filed. CitiMortgage also had knowledge of this information during the modification orocess. 
CitiMortgage sends me the paperwork for this " lemon loan '' and I need to have my ex wife sign. I spoke with Citimortgage and discussed she would not sign and I thought the quit claim deed and divorce decree handled this situation. My ex wife was still on the loan paperwork and therefore needed to sign. 
I was told by a Citimortgage representative on the phone that this was a regular occurrence. 
I just want others to have access to this information. I think Citimortgage should be ashamed of this process but they blamed it on Consumer Finance Protection Bureau. CFPB, please look at your regulations with these banks. CitiMortgage is still allowed to mortgage overpriced homes, foreclose hiding behind your rules, and going on like nothing has happened.
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
Car loan that was included in a discharged bankruptcy, and also paid in full with insurance proceeds, is still reporting as open and delinquent to the credit bureau
mortgage co. foreclosed on our home without any knowledge to usi have tried to find justice before, only to receive spread sheets from mortgage coco. instead of directing the issue, that we were mislead and deceived. we could n't fight fight what we could n't see coming.. is there justice for us? I have a letter and documents attached.
I have Nation Star, and yes I pay on the grace period date, but they would call my place of work and I was not technically late. Just very embarrassing when at work and everyone can hear your conversation. I have redirected them to call my cell phone. But they call non stop again it's before the grace period is up.
I have never applied for credit with this company. My personal information is being used by someone i have not given permission to do this.
I did tell him that I changed my mind because it did not see right.




They are engaging in predatory behavior. Raising someone 's mortgage by 18 % due to a fictitious insurance amount they generate and lying that they do not have my past insurance information when they do have it and also have easy access to my policy information. They are entrusted to pay my taxes and insurance. If had not contacted them, they would have let the insurance due date go by without paying

US Bank refer to this benefit as : Bonus award night exclusively for card members '' '' enjoy all these benefits after paying {$75.00} annual fee. 

They did not offer any compensation for removing this benefit after I paid the {$75.00} annual fee in anticipation of receiving this benefit.
calling my husband harassing him telling him they will sue for money not owed to them, consistently pursuing my husband to give them information about anothers information he does not have.












Again, Bank of America will not answer or return my calls. How do I settle this with them?


Despite having lost the class action lawsuit, Synchrony is continuing to defraud their customers.

1. my daughter in law was contacted at her place of work2. He represented himself as a lawyer. 
3. He threatened legal action against me. 
4. He was aware that I had a lawyer and contacted me anyway. 
5. He did not provide me with verification of debt. 
6. He did not notify me of my right to dispute the debt, except to say if I disputed it I would be taken to court.
We are taking our money out of Wells Fargo because we will not give them the opportunity to steal more money from us. Really all we want is our money with the interest from the 14 years that we had this money tied up with Wells Fargo bank. And I would like to see them pay for their crime of trying to steal our money and the breach of contract and trying to hide behind the fact that they only keep records for 7 years.
Thank you! 
I have never experienced a bank that " pends '' cash deposits. I made a cash deposit into my bank ( TD Bank ). The cash deposit took a day to clear. I then had a {$1500.00} check returned over a {$1.00}, although the cash deposit of {$100.00} was pending.
I believe there are funds that I sent to pay my mortgage that have never been applied to my mortgage. Also, I believe that the primary interest in Nationstar is to have me to refinance the loan. I am not interested in refinance. I will pay whatever I owe. But, I want all funds placed on my account, if I sent a payment in that have not applied to my loan. 
I would like to pay on their website as soon as they free up my loan account to allow me to pay online. I would consider auto bill pay on their website but, again, my loan is not allowed to use that service. I would like to have an individual assigned to help with resolving all of the issues with my account so that I can may the normal monthly payments. 
Experian responds only with that they verified the bankruptcy, AGAIN withholding details I specifically asked for AND withholding the method of verification only vaguely stating that they used a vendor. Experian refuses to inform me WHO this vendor is and WHERE this vendor is getting this information from. Is Experian exempt from the Fair Credit Reporting Act? Is the Consumer Financial Protection Bureau useless? 

Again I have 2 main questions for you:1 ) Is Experian exempt from the Fair Credit Reporting Act? 
2 ) Is the Consumer Financial Protection Bureau useless? 


Experian 's mistake has been preventing me from purchasing a home and drastically affecting my credit rating. 
There is no mention of what they still need either! What is going on? 
Something has to be done about this. This is consumer fraud. 
Please help me. I have been thrown around this bank for weeks with no answers and am still under a sheriff sale that hurts my credibility in the business world. 
They should have taken us completely out of the sheriff sale as they told me they would do. Thank you very much.
I have contacted Midland Funding regarding a fraudulent account reporting on my credit report that does n't belong to me. I have yet to hear back from them regarding this matter.
disputed my account due to someone else using my account. it was never taken off my account.
I reported this issue with Experian and they have put in a dispute, advocating on my behalf with the company as well.
I have been paying approximately {$680.00} a month for my college loans. 
The phone calls seem to be computerized and call from all different areasof the country. There seems to be no one who is in a position to stop this. 

They are posting payments late to generate late fee 's on my credit card account.
I 've never heard from Trial Period Management and was waiting for correspondence from them when I received the notification of the sale.


Capital One changed the interest rate on my credit card account from 0 % to 12.90 % APR without any notification that this change was taking place. As a result, I had no time to remit payment in full on my account prior to the interest charges beginning to accrue.

4. Please send all Disclosures stating how deferred Interest could make this Loan more Affordable or less Affordable and you could risk losing your home latter or at some point. 
8.I would like to know is this loan Assumable? Will you please send me your guide lines and fees? If this is not a option please state so. 
9. Will you please review my account and send me all loan options that are available for this loan by email or mail? I am very aware I can call Phone Support but I have not received all the information I need from your support by phone. If this is not a option please state so. 
14. After reviewing my loan options I would like to my a appointment by phone to talk about my loan options. If this is not possible please state so and not skip this question. 
This complaint is about the TD Easy Rewards ( 5 % ) card which I applied for late last year. TD 's own marketing and online material tells users the card offers 5 % cash back at grocery stores, among other categories, for the first six months. 






Therefore, TD is performing a bait & switch, holding my money and credit limit ( and sometimes the payment credits on my account ) hostage while they conduct their reviews. Declining my legitimate purchases represents an unlawful action where the company involved does n't provide limits on a service some people might use more regularly then initially designed. TD offers a 5 % rebate incentive to use their product at certain stores, however, when people actually use the card, TD hides behind fake fraud claims and blocks entire use of the card.Until TD fully discloses any changes to its credit card terms and conditions on the use of the card and any limits involving its rewards categories, then they have no right or reason to block or restrict my legitimate use of the card. TD is only limiting my card usage because they perceived me as spending an 'unusually large ' amount of money in a bonus category and do not wish to honor the 5 % cash back offer they extended to me. 

This ordeal, through no fault of my own, has put a derogatory note on my credit reports, showing that one of my accounts was " closed by issuer. '' This message reflects negatively on my credit report and could cost me in future transactions I under take with other financial institutions.
Navy Federal Credit Union is withholding access to information about my checking accout, apparently in retaliation for refinancing my Navy Federal mortgage with a different bank.
Somebody is using my name and ruing my credit. Please help. 
This is the company 's information below. 
I do n't owe them {$4200.00} dollars. They 're scamming and ruing my credit. Please help me taking care of this weird issue from this company. 

Thank you.

This is the company I am talking about. 



This needs to stop. It took years to sharpen credit number and all of a sudden this disaster damaged number like anything. 


Please do needful and please reply to my email, how can I remove this from my credit report. 

Thanks
I think this credit company has violated my rights. Please feel free to contact me with any questions you might have.
American Express is applying a {$2.00} a month fee to maintain a gift card only 5 months after I received it. I believe that they ca n't charge a fee until 12 months after receipt.
Due to an audit, my state tax authority submitted an " order to withhold '' to my bank. Not the most fun thing to happen, but perfectly reasonable. Part of the order was a {$100.00} fee. The shocker came when I contacted the state tax authority and discovered that the fee had nothing to do with them - they do n't attach fees to " orders to withhold ; '' imagine that - the fee was being charged by the bank. My state tax authority agreed to reduce the amount of the order - really, they were more than courteous and reasonable - but could do nothing about the fee. Ultimately the fee turned out to be more than the order. The bank released the remainder of the order back to me, but kept the fee. 



I understand that the bank is providing a service, and that they exist to make a profit through their services. I do n't begrudge them fees in general, but ca n't they charge fees based on the average balance? In any case, a fee of {$100.00} seems excessively high. 

well now that Im on a computer where I can print my report from, I wanted to be able to view it so that Im able to print it out
This is my place of business. The number being called is the main desk number that is answered by customer service representatives. Not once has my personal cell phone nor home phone be used to attempt to contact me regarding this matter. I have no idea who is calling -- they never leave a message once transferred to my direct line.
A total nightmare going back over 20 years that should simply never be allowed to happen.
After a few agonizing months while I was desperately seeking somebody from Wells Fargo to speak to, I finally received a letter of denial from the bank to refuse paying me. 
The bank message on activation of new cards is informing clients that they will not be responsible for fraudulent charges! Should n't this apply to a loyal client of over 18 years? 

I bring this to your attention as I am concerned for other consumers that have their mortgage with Nationstar. Even with writing a complaint letter and sending a copy of my retention bonus have they pulled the loan from foreclosure.
We were served with a law suit from fred j hanna law firm and since being put on an automatic payment arrangement we have not received any information. We also believe the amount that was requested was over the amount we owe.
I am really helpless and this is really unfair, I am the one who called them and paid my debt and he promised he will send me the documents and he is not. my life is ruined from this situation, I could not get the loan for the house. and I paid it. this is really unfair. please I need your help with this matter. just make them send me the letter and clear the bill from my credit reports. I had a high credit score but after the collection record came on my account, my credit score dropped. I never had any debt in my life. I pay my bills in time. this is really unfair and Sad. I really appreciate your help.
A letter was sent to my place of employment, that was a false court document, asking to.garnish my wages.They wanted banking information, and social security number information.They put my job in jeopardy by doing so, on top of the humiliation I had to face at work.
This account should NOT be reporting on my Credit Reports by a Debt Collector as this debt has already been satisfied.

Constant calls to my place of business. Always a recording, when I hold for a rep, call hangs me up so I never get the chance to speak to someone to question the legitimacy of the call. 

I lost funds due the bank show that i had the funds availableand the them charging me an overdraft fee on numerous occasions over many years
I have called various banks and mortgage lenders and they state they get credit score and tax papers for doing a modification, not financials from 9 years ago. Im back down to losing my home again, i was told also to check into HAMP. I am so sick of playing cat and mouse with this bank. I was seriously injured on my job, no medical offered at that point, retained PI lawyer, they wont return phone calls, he has to file with State of NC for them not returning his calls in regard to my injuries looked at. BOA is stressing me out. I know BOA is the worse bank to deal with especially using old information
I received a phone call on my cell phone demanding to talk to someone that my number does not belong to. I do know the person but I very seldom talk to her. I informed the person calling that I no longer talk to this person and he got angry and said I need to tell her to call him. I again told him that I did not talk to her anymore and he got more nasty and told me that she put me down as a reference and I needed to tell her to call him. I again informed him that I did not talk to hardly at all anymore and he said that he did not pull this ( my ) phone number out of thin air and to give her his number. He refused to listen to me that I did not talk to her anymore and continued to harass me about her. I finally told him I would take his number just to get him to leave me alone and stop harassing me. He would n't tell me who he was with so I had to use a reverse phone directory to find out who was harassing me. It seems that the person he was calling about owes money, this has nothing to do with me, I know nothing about this debt and he would not get off my phone. he got nasty and kept harassing me about someone I no longer live with or talk to very often.
I feel my credit scores should be a lot higher then they are.All payments have been on time, I have small balences on the credit cards that I have. The scorces do n't match the numbers, can you look in to this? Over the last 3 yrs I have done a lot of work to get it right, the reports are great the numbers do n't make since.


Harassment : Claimed to be delivering service of summons and would not disclose name or information of process server at my request. Used the threat of a pending lawsuit to get me to make a payment by the following day in order to stop the process. 

Making False and Misleading Representations : Claimed to not be a debt collector, but a law firm working on behalf of Wells Fargo and used multiple names including " Legal Claim ''. Never notified me on contact that they were a debt collection agency or that they were attempting to collect a debt.


As of right now, my loan is defaulted yet no payments were missed ( with the exception of a 3 month approved financial based hardship deferment ) and I wish/am able to continue to pay this loan and wish to fulfill this financial obligation.
My husband is covered by the VA. They pay all his bills. 

HSBC sent me an email today telling me I had a statement ready to be viewed. I called HSBC and was told it was a savings account. When I called up I was told I had payment due in 8 days. They told me I owed {$2100.00} and there was nothing they could do for me.

I DO NOT OWE this bill, and I am NOT going to pay this bill. 



I ALWAYS pay my bills. But I DO NOT owe this one. 

I want this OFF of my credit report.

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
I contacted USAA bank to dispute a charge after I found a company failed to due work as promised and after having to pay another mechanic for same work I asked for a refund. USAA so called investigation failed to take other mechanic information or even listen to audio recordings between me and company where they admitted wrong doing



Ultimately, we did complete the trial period successfully and the lender failed to issue final loan documents for us to sign. They have never contested our completion of the trial period, they just simply never sent us the documents. 

Now to the present, we have received an influx of new pre-foreclosure letters from the lender, including among them, an explanation that the HAMP approved modified loan was never issued because we failed to sign the loan documents! This letter, accusing us of being the reason the loan was n't modified because we failed to sign the documents is the proverbial " final straw that broke the camel 's back, '' and we believe is worth your consideration for initiating an investigative inquiry. 

There is no doubt we will be sued again, and we will fight once again for the loan modification we have worked so hard for, but hopefully during this process we may have an advocate in you and your team at the CFPB. Thank you.
I used the services of Reloadit.com which is a funds loading service for certain brands of prepaid debit cards. I have used the service successfully in the past. 

About two months ago I attempted to load funds to a prepaid debit card but I was unable to do so. I received an error message after every attempt, so I contacted Reloadit customer service. They forwarded my request for assistance to the IT department, who contacted me several days later after. 




Lowes credit card, serviced by Synchrony Bank, is taking 7- 14 days for an online payment to clear if the payment exceeds {$500.00}. Is this a maneuver to attempt to have payments posted as overdue because of the extended time for an online payment to clear? 
Does the law limit this action which does not seem to serve the consumer? 
Visa posts in 24 hours. 
Please advise.
Transunion sent a disrespectful letter answering to some disputes on my credit report telling me that my dispute is frivolous. What kind of company they are?
I was told by the front desk that I can apply for a Good Year card with 0 % and I did. 
After getting my car serviced, I was told that since I got qualified, I do n't have to pay anything at the store, however I will receive a bill at home with my Good Year Credit Card. 

On hearing this I was shocked because I have never done this kind of thing and its not correct. But more than that, I was shocked and surprised because I never ever received a bill from Good Year till date. ( even till date I have no communication ) I immediately went home, called good year and cleared all the bill via my debit card. 
Then I even closed that account. 


I request that since I have cleared the bill long time back and closed the account, please remove this entry from my credit please.. Honestly, this is not my mistake so kindly do not make me and my family suffer. 


Feel, I 'm being taken advantage of buy best buy credit services.
Enterprise Recovery Systems , Inc . 

Visit many lawyers to save my home but they asked me {$3000.00} minimum to start my caseDesperate apply for bankruptcy for myself, as pro se, but without the legal experience dismissed me case, then apply for a second also in me dismissed. 
For this reason the DEFEDANT, send MOTION TO CANCEL SHEDULE AND CONFIRMATION, but without of knowledge legal I do n't know what happen if the Court considered those Motions, although I have a certificate that the attorney general gave me to help my case for {$5000.00}, but no lawyer accepts this they ask for cash, the last lawyer I visited want to {$8000.00} for see my caseI do not really know where to go 'm an elderly person and I would stay in my house about everything I could do my loan payments if the Bank approved for loss mitigation program or refinance the arrears. 


Please help me, there was a judgment filed a while ago that should have never been files as the debt was paid before it was ever filed. I disputed the item several times which the only agency reported is Experian, they stated no they would not remove so I had my attorney go to the courts and obtain a motion to set aside, which I attached. The judgment should have never been filed and everyone agreed. Why is Experian not complying with the law?
My encounter with citizens bank has been horrible. Terrible customer service representatives horrible and very unfriendly people. My account was hacked and I incurred charges that were not mine. I 've yet to be completely compensated for all the of this. I call and call. And get hung up on again and again. I just wanted my account close!
hello i have tried sevrel times to get experian to delete negative info that the company agreedto delete no response and there system will not allow me to do an online dispute


This is the problem : They withdrew money from my back account and have refused to refund it in a timely manner. I have received several 'answers ' and 'solutions ' to my problem but have not received a resolution. I have spent literally hours of my valuable time on the phone in order to redress this error on their part. They have committed a crime and they have not worked in an efficient manner to redress the issue. {$2000.00} of my money that was taken is now tied up in a bureaucracy that refuses to address the problem in a timely manner. 

From the failure at the SPOC to the illegal withdraw of money to my account, to the almost comical way they have attempted to return my money, Citi has taken advantage of me. Their fraudulent action must be addressed on an individual and institutional level or this will continue happen to many others.
I am in remediation for debt collection. Some creditors have settled. They have not. They are only supposed to contact me through the lawyer, but I am getting harassing calls on my cell, at home and at work.
My nightmare had only just begun. 
I noticed that I was not getting any other physical mail from Nationstar. Nationstar never sent me or my attorney any statements or other documentation confirming the payments I had been making. Also, my attorney was and is supposed to be copied on all correspondence from Nationstar and Nationstar has not done so. I had to go on-line to their website to get my statements and information. 
Nationstar escrowed my taxes AFTER we agreed on a loan modification, making my monthly payment {$500.00} more per month! This was not a part of the terms of my loan modification! 
I can not refinance because Nationstar consistently keeps reporting me late even though my mortgage loan has been modified and I have been making timely payments. Nationstar has also threatened to put this on my credit report, thereby making it impossible for me to ever get out of this twisted situation and ensuring that I have no future. 
It took me 10 years to save up enough money to put a down payment on my home. For the past twelve ( 12 ) years, I have been paying for my home and maintaining my home and Nationstar wants to take my home away from me even though I have complied and cooperated completely! 
I am a hard working professional and I will not walk away from my home! I have done NOTHING to deserve this and I intend to bring these unlawful practices by Nationstar to an end!
I was harrased at my place of employment by this company and after asking them to remove the number they continued to contact me. They spoke to my co-workers about my information without any consent.
Per the California Bill of Rights it is required that lenders record loan modifications. 
I 'm seeking assistance and demand that SPS immediately record my new terms accordingly.


This is about a ( n ) Debt collection : Auto Which of these best describes your issue? Taking/threatening an illegal action : Seized or attempted to seize propertyDesired resolution What do you think would be a fair resolution to your issue? 
All I want is to have the garnishment removed and I will ay them monthly as I stated to them several times. They are talking alomst {$400.00} per paycheck which is hard to survive off of especially supporting a child. 







What happens next? 

We 'll start an investigation and keep trying to get a response from the company. We 'll keep you updated on what we hear. While we do n't specifically advocate for your desired resolution, we do look at all the information provided by both sides to see if any consumer financial protection laws were potentially broken. These laws include a requirement to respond to you in a timely manner. 






Can I hire my own lawyer to look into this? 




Where can I find more information? 



IWe also welcome your feedback on how our complaint process has worked for you. If you would like to share your story, go to https : //help.consumerfinance.gov/app/tellyourstory. 









So I am so disappointed what they made the decision regarding my credit card Limit increase request. 
Finally I asked to transfer Card center supervisor and he also not provide and positive feedback. 
I have purchased my home 2 years ago. Since then the assessed value of my home has increased. My tax assessed value has increased by 30 % and other houses in my neighborhood are reflecting that increase. I contacted Wells Fargo ( owner of my mortgage ) to have them assess the property value so that I can remove my mortgage insurance. They told me that I would have to pay over {$300.00} for the appraiser so assess my home. They also said that the appraiser would not take market value into account. The appraiser would only be looking for structural modifications. Wells Fargo owns the appraisal company. There is a conflict of interest that negatively affects consumers like myself. The appraisal company and Wells Fargo are in collusion to artificially suppress appraised property values as confirmed to me by the Wells Fargo representative. A fair and proper appraisal must take market value into account.
Please investigate the protocol on this home loan process with Regions Bank.
Every few months or so, my credit card is compromised, and I am forced to change cards, and all my auto payments that are made using it, need to be changed with all companies that I do business with. If that is n't bad enough, I can not find out who / what company it is being compromised by ... so I can opt to pay cash at that company in the future. This is a waste of my time and energy - having to change everything all the time. I deserve to know what is going on with my card if I call and ask.
Although my refinance should have been a 'slam dunk ', unnecessary delays due to both loan processor incompetence and physical paper handling ( vs. electronic workflow/e-documents ) made my experience a stressful nightmare. After closing, I continue to have questions regarding calculations used when paying-out my escrow account. I believe certain values appearing on my [ new ] HUD are inaccurate, and my numerous requests to get clarity from the " Escrow Department '' go ignored. I 'm opening this complaint after several rounds of " phone tag '' and ignored emails.



I have been well within my rights to dispute items on my Equifax credit report and request documentation used to verify the items disputed. In good faith, I expected Equifax to respond by providing me with that documentation so I could better understand what is being reported and why in addition to the fact that the FCRA requires them to do so and in a timely manner. Equifax has failed to do that to this day. This is completely not fair to me and I am sure the CFPB also expects Equifax to comply with ALL applicable laws in dealing with my dispute and others. Clearly, Equifax has failed to comply with [ 15 U.S. Code 1681i ( a ) ( 7 ) ] in my case and they should be held accountable for that.
I believe this shows some significant issues with a bank operation when they proceed to offer such gross negligent payoff quotes. Fortunately for me I am knowledgeable enough to understand there was an error in their calculations. My concern is that Compass Bank may have issued many incorrect payoffs in the past and have not provided refunds to less sophisticated customers. If they know of a system problem, they should have corrected this by now. 
A suggest an audit of their operations in calculating an providing payoffs would be appropriate.
Unfair loan process, poor communication, unprofessional company
To whom it may concern, This concerns Dyck O'Neal collection agency. 
I never received any documentation other than a collection notice. I disputed the claim with TransUnion. They sent the results of their investigation stating that it was " VERIFIED, NO CHANGE ''. I called TransUnion and asked how it was verified and apparently they just called the collection agency and the collection agency said it was legitimate.



4.I INSIST THAT THE ACCESS BLOCK BE REMOVED, AT ONCE! See part of Blocking Panel that I was allowed to copy from the Nationstar LLC Web Site. 
" Ceast and Desist Confirmationclose '' This block prevented me from access to my mortgage information, and it is now in affect, notwithstanding my phone calls and emails attempting to get access to the Nationstar Mortgage LLC Web Site.
I seen my credit report with alot of things on there that are not my accounts


A concern I have is that I was never notified of denial of dispute. If I would not called today then this dispute would have never been resolved. I was told the reason it was denied it was because " I did not provide any documentation ''. Also I never received any paperwork in the mail. Well there is nothing to provide since I did not sign any receipts. You guys ca n't just go around denying customers claims and thinking nobody will call back and in this particular case deny it on a basis that it needs documentation from me. What happens if the customer does not have any documents you just deny the claim it sounds wrong!!! Somebody is not doing his or her job correctly and this needs further investigation. How about calling the merchant and asking them for signed receipts!!! Why do n't you do that? I did not do any pin confirmation either. Talk to the person who did the dispute and I think this is the person that needs to be looked at. I do n't ' think this person is doing his/her job properly. Maybe is time to let this person go because is causing customers accounts to be closed. 


I sent a letter to my Attorney General and their office replied that I should contact you and filed a complaint and that if you do n't do anything to quickly hire a consumer lawyer and file a lawsuit on Small Claims and another one on Federal court for both companies violation of both FCRA and FDCPA. 


I was harassed at my business, threatened with legal action if I didnt pay the debt right away.

I need help, and cant get it from them ...



I am attaching a copy of the letter that was sent to them for the dispute. All I want from them is to properly investigate and update my credit report with the correct information.

Two years later ex-spouse began drawing on overdraft protection account by accessing funds through ATM. Ex-Spouse did not make payments and BoA began collection activities from me. Local branch managers with BoA agreed with me that I was not responsible, but home office would not. I requested proof, my signature, anything showing me as joint owner on this account, and have received nothing. 



Please assist or advise. 

Thank you
WHAT HAPPENEDDescribe what happened so we can understand the issue ... 
Deceptive practice - billing for services that were cancelled. Bank of America has refused to close safe deposit box despite many attempts over the past five years. BofA continues to ignore requests to close the safe deposit box and continues to bill for services that are not used. 
Product Bank account or service : Other bank product/serviceIssue Account opening, closing, or managementDESIRED RESOLUTIONWhat do you think would be a fair resolution to your issue? 
Close account, stop billing for services that are not used. DO NOT ask for us to spend ANOTHER series of hour long phone calls and office visits in order to get resolution. 


We ca n't include the full results directly in this email because they sometimes have sensitive information, and we want to protect your privacy. 










We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 

You should receive a status update within the next 15 days. 






Depending on what we find, we will : Send your complaint to the company for a response ; or Send your complaint to the appropriate regulator or help you get in touch with your state and local consumer protection office if your complaint is not within our authority ; or Let you know if we need more information to continue our work. 

While we ca n't give legal advice or represent individuals in legal matters, if you want more help you can contact a private attorney or your local lega
Opened card at banana republic. Wanted to pay it off next day. Website was very difficult. Was told by rude representative that card will not be delivered for seven business days, and that I ca n't make payment without incurring a {$10.00} fee for a {$200.00} bill before getting my card. I will be traveling for the next month, at which point I will be in delinquency status, so I 'd like to get this done now. Only there is no way to do it. That seems quite ridiculous and unfair.
I think it is time for the federal government to step in and shut them down before they steal more money from there customers.

This is n't their money and I should not have to dance like a dog throug hoops to get it back.
Family members have been receiving calls from Thomas King and Associates. They have asked if they know my wife and need help with verification of information on a application that was submitted. I am not sure how they were able to connect the dots or have my families cell phone numbers.


I only receive letters that state we ( WFHM ) are working on a solution. 
Company NAM continues to call my cell phone even though the debt is for the person who had my phone number prior to me. 

Collection practices are unethical. Collection agency does not care about the client 's needs. I have tried countless times for Westlake Financial Services to Rectify my situation.

I have been receiving phone calls from a debt collector telling me that I am going to be to served at work and possibly taken to jail. When I call the number given, I get connected to very rude " employees '' with vague information. All they can tell me is that I got a payday loan in 2009 for {$400.00} that was never paid back. They claim the loan has grown to {$800.00}, but they can accept a lower payment over the phone and this will all go away. I asked them to identify themselves and all they can tell me is their company name, MAC ... ( 1 ) I would never apply for a payday loan ( 2 ) I would never give my credit card number to some random person that called me on the phone. 
This person had my social security number and an old address, but no recent information. The only way they got my phone number was by contacting my brother. 

I had a savings & checking account with Bank of America and the checking accounts have been closed due to negative balances. I have been trying to make this right because I use my savings account for everything and they are constantly charge me fees. I was told by them that because this account is used so often that the FTC would make them convert my account to a checking account. I wanted a payment plan and was told someone would contact me but this has n't happened but the fees keep coming. I believe they are not helping me so they can continue to collect these fees and for all the fees I have paid they could have been applied the fees to the balance I owe the bank. Please advise me as to why I have to continue to pay fees when the bank has n't complied with setting me up on some type of payment plan to resolve this issue.

Latest developement : After an hour on hold today, the same implausible story was repeated along with a flat refusal to put anything in writing. Is it really legal for them to hold thousands of dollars indefinitely?
A representative of Municipal Services Bureau called me saying that I owed $ 1,000+ for unpaid traffic tickets and that a warrant had been issued for my arrest. When I explained that I have no unpaid traffic tickets and that in fact had not received a ticket in 8 yrs ( which had been paid off ), I was told that I still owed them money unless I provided proof of having paid off the ticket. At this point I terminated the conversation. 

Upon checking for outstanding warrants under my name on the internet, I found that there were none. I can only guess that the representatives are told to say this in effort to extort money from people. I have a feeling that what they are doing is illegal but I am not positive.

Federal law requires that both the old and the new servicer send a letter to the borrower. 
As you know, because scammers create phony companies and advise lenders to start making payments to them, several years ago congress enacted the law requiring both lenders to send a letter.Legitimate lenders generally send a joint letter ; the letter i receved was only from Ocwen



Bank of America refuses to add beneficiary to accounts for attorney-in-fact presenting duly registered North Carolina durable power of attorney.
I 've defaulted on my Discover card payments due to being out of work. I have spoken to the creditor several times and advised them I will call to arrange payment as soon as I am back to work. 


This directly violates FDCPA call frequency regulations, and the hangups are harassment.


My account has been " sold '' between both companies since it was opened. 


The reporting of the negative information has greatly impacted my credit score and has prevented me from obtaining a mortgage for home. 

Dealing with CashCall/Delibert services in the past has been very difficult. They have employed aggressive and intimidating tracts to service the loan.


Thank you.
Car loan with First Investors Financial is reporting monthly late remarks after being approved for a loan extension. Account should not be reporting as late on credit reports. Also late fees are still showing in online account on their website, and I was told were to be added to the loan extension. A past due amount is reporting erroneously on my credit reports. And I am continuously robocalled numerous times a day about making a payment when my account is current.
The debt belongs to my son and they refuse to remove it from my credit bureau information




I believe it is not reasonable to treat clients like this, and the service people are very rude
=They stated I could not do a payment plan without going through their hardship process, which included applying for a loan to get a denial letter, which would be a hit on my credit and more detrimental to me. I was told whatever I sent in would be applied to the bill but that collection practices would continue.
This company is calling all family members and friends and harrassing them with continuous calls at all hours. I have no idea who they are and I do not owe that amount they told to my mother. I do n't live with her and the gentlemen on the phone told her all private information about me. She was n't aware of this and felt threatened.
Called me at work and then got rude with me when told not to call me at work. 


I 'm left with - no verification of the debt, no verification as to whether this debt is truthfully even actionable against me in court, and minimal recourse other than to pay up front.

I 'm left with - no verification of the debt, no verification as to whether this debt is truthfully even actionable against me in court, and minimal recourse other than to pay up front.
The balance of the credit card was paid off by the wire transfer deposit but the credit company did n't honor the deposit and continued harassing, charging and reporting to the credit bureau as delinquent.
NationStar Mortgage has drastically increased my escrow payment without consulting with me and my wife. I am currently at an 8.5 % interest payment and I have been trying for years to get a loan modification but all am getting is a run around. They will not even agree to refinancing my house.
I keep getting harassed by a creditor and threatened with legal action on a debt that was a result of fraud.


( BTW- it is ridiculous that I have to initiate a call instead of them automatically sending me the letter once the debt was cleared. ) I validated the payment I made to Citicard cleared my bank and called back 4 days later. I was then told that I could not get a Zero Balance Letter until 15 days had passed from payment. I stated this was NOT what I was told by the Citicard associate who accepted my payment. 



Please note - I am not entirely sure this was a valid charge on my credit report. However, given the low amount outstanding and my need to move on w/ my mortgage application, I chose to pay off the debt. Had I not been under a time constraint, I would have fought this charge.
Equifax still refuses to take off my Oregon State Tax Lien that has been deleted from record. 

After opening of my account, I paid {$75.00} annual fee. And in the card member benefit document it says '' enjoy all these benefits after paying {$75.00} annual fee ''. But just after a few days, US Bank emailed that they cancelled that " bonus award night '' benefit! 
US Bank charges the same amount money for less card member benefit, that is how they make profits! 
Med-1Solutions, LLC is charging me for a bill that is not correct and was billed under the wrong health insurance. I do not owe a fee of {$69.00}.

We need a solution to be accomplished on this situation ASAP







TransUnion should not be able to require victims of identity theft to listen to TransUnion 's paid advertisements as the price for placing a fraud alert on their own files. But that is exactly what TransUnion is doing right now.
Loan company is stating I have reached the maximum amount of deferment for my loans, but I do n't remember there being a maximum timeframe listed in the documentation for my loan that I signed when I received the funds.
PayPal, without authorization from me, made a hard pull on my credit file this year, affecting a mortgage I am in the process of getting. It was for their PayPal Credit service. They denied any wrongdoing, told me I willingly accepted the terms, and after an investigation I demanded, told me that they found no wrong-doing and denied responsibility. They have canceled the account but the hard credit pull remains on my credit file.



I have a mortgage with LoanCare, I have yet to be able to contact them. They will not accept my loan number or social security number and therefore I can not get through their phone maze and have not received tax information for the past two years. I also need a paper statement for another transaction. I would very greatly like to try and refinance with another company but literally can not even get ahold of them for the basics, let alone that.
I explained that I read that bad charge offs come out after 7 years from last payment, but they want to put it from last date of transferred to a collection company. Spoke to original debtor and ATG and both of them confirm the same thing. 





Furthermore, there was no extension of credit. This is an extremely deceptive and abusive practice.




1. What year did Wells Fargo Home Mortgage take over this loan. 
2. Is Wells Fargo Home Mortgage the Trustee for this loan if not who is? 
3.Please send me a copy of your Mortgage Service Agreement. 
4. Is Wells Fargo Home Mortgage just the loan servicer only. 
5. Who holds the note to this loan. 
6. Please list all credits on this loan and fee reversals in a typed response that you stated you have given and please recalculate my account and make the corrections. I do n't see any adjustments. 


I got late on my payments, but still willing to keep my property and have applied for loan modification ( any little help is very important in my situation ). 
I have a car loan with Santander Consumer USA, and recently realized that they have been applying over payments to fees and charges, instead of principal as I have requested. I specifically called in and asked them to apply the payments to principal and was told different things by different reps. Most reps told me that the system did n't allow it, and if I wanted to make a principal specific payment, I had to do it separately. My contract only states how normal monthly payments are applied, and does n't state how overages are applied, so it does n't even address this is the contract. I have spoken with several departments, and just got off the phone with a rep in the " office of the president '' ( last escalation department? ) and was still unable to get it resolved. I would like the accounting department to go back and reapply my overage payments to principal, not interest, from the beginning of the loan, and fix their system so it provides the capability to do that in the future for all of their customers. 

She was not interested in any explanation and said that I " simply owe the debt ''
Credit is a competitive business and I have options. However, many others do not and would face inconvenience and possibly higher fees due to a change in circumstances. Plus Chase is n't going to assume liability for the inevitable mail fraud that will take place. Bringing the forms into a branch is n't an option when there is n't one close by. Oh, and did I mention - they say it 's for verification of my SSN? Which they already HAVE?
I believe this is in contrary of the law, as the law does not discriminate on what type of information I can dispute.





Collection agency is calling repeatedly to my work, including calls to my supervisor.
I wrote Experian because after talking with a mortgage person he said there were problems with my credit report so he had me go to a web site and get my reports. He told me where to find a simple form letter on line and to write the credit bureaus with my questions. Experian sent me a letter saying my letter was suspicions and they refuse to help me. 
These specific items have prevented me from being able to get a small car loan from my credit union to replace my aging vehicle. Where I live, a person must have a reliable car to function - we do n't have good transit service. When I applied for the auto loan, I was told the loan was denied specifically because of these items on my credit report. 
This company has repeatedly sent me bogus letters about a Debt that is Time-Barred. In their wording they are trying to re-age the debt. It is over 15 years old. 

They are zombie collectors. 

This alleged debt has not only exceeded the statute of limitation but is also no longer valid nor can it be validated by the original company or by the zombie collectors. 


New Jersey 's Statute of Limitations for Credit Card Debt is : 6 years State Statute 2A:14-1. 

This company is violating the Fair Debt Collection Practices Act ( FDCPA ) by trying to reage accounts for their financial gain.
I want to file a complain, against AC Auto pay. I least a vehicle with this company in the past.. 
We want to file a complaint against Chase Home Financial , Inc. 
After thinking the situation over and over again, we have come to think that Chase is abusing escrows ; operating a money-making business ( extra curriculum activities ) ; and acting a robbery. Could you do something to stop and prevent these escrow abuses? 
We have initiated a class-action lawsuit against Chase. 

Apparently, you are abusing escrow ; operating a money-making business ; and acting a robbery. Assuming that you have been doing this to numerous home owners, we are contacting law firms and initiating class-action lawsuits against Chase. 
We are also complaining to the Consumer Financial Protection Bureau ( CFPB ) and urge them to enact a better law on escrow or eliminate escrow all together, in order to prevent abuses. 

We printed out 2 years worth of bank statements showing that ALL payments had been made, none were returned and NO FUNDS were ever credited to our bank account by ocwen. 

Our account should not only be current, but we should have a heafty suspense account balance. Ocwen has taken several payments from our suspense account to " cover missing payments '' that were never actually missing. But even then, our monies are not being applied to the loan? 
My concerns are as follows:1. Data security breaches with BoA are becoming more common, perhaps due to insufficiently robust security measures used by them and/or merchants/service providers that work with them. 
Research indicates that what I have described above is a widespread practice of BoA 's. 
I demand greater accountability in breach reporting.



are you kidding me!!!!!!! 



Requested letter from Nationstar to credit bureaus and a letter for my file from Naitionstar regarding past due and not being notified of errors. 








Further, if the language is in there, it is wrong because it waives due process rights.

I checked my credit and am very aware of my financial statuses, I do not have any debt outside of my known loans.
I have been trying to apply for a modification for a long time. I have given Chase every document they asked for. I have sent the same papers again and again. But instead of a modification or an answer I just keep getting the run around. 







This is ridiculous. Chase seems to be changing the list of what is needed again and again, making the process impossible and causing me so much stress. Each time I have sent the " one last thing '' Chase needs, a new requirement is added. This would not be such a problem if they would just postpone the foreclosure auction so there would be time for me to give them any other documents they ask for. 

I am on ssi and have insurance that covers medical bill I have no co pay but they put bills on my credit report any way please remove medical









I 'm pretty feed up with payment processors sending out mailings that resort to scaring people into reading their mailer and possibly tricking a consumer into calling them. 

The mailer i received today has " Mortgage Payment Information Enclosed '' most prominently displayed on the front of the letter in bold, red letters. It also has the return address of " Loan Payment Administration '' and through the window has " Regarding your : '' and my current mortgage called out by lender name. 


15 U.S.C.A. 1681i ( a ) ( 7 ) says : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 



Instead, in that letter, TransUnion stated " Our investigation of the dispute you recently submitted is now complete. '' It appears to me that my request for the documentation used to verify the disputed items was totally disregarded. This obviously is a direct violation of the part of the FCRA that mandates that they must provide documentation used to verify items disputed, if requested by the consumer. 

Called my wife at work after I told them to stop calling me, failed to provide proof of debt, placed their bad information on my credit report therefore damaging my credit, and call repeatedly from various numbers after I have blocked previous numbers. 

SUMMARY : Adjust my mortgage payment to {$1000.00} - {$1000.00} by the following means : re-evaluating my escrow, removing my PMI and waiving the {$25.00} reverse fee. 
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I do not recall them sending me a letter informing me that I owed them a debt. I was not allowed my rights to request validation or dispute it which I 'm afforded under the FDCPA

Citibank did fake investigation. They used the fabricated contract as the only evidence, Then they said the {$1100.00} is correct, which was obviously helping the fraud. Since then Citicard has been charging me the late payment fee and interest based on the fake and fabricated contract. They were robbing my money. 




All the facts show Citicard is doing business in fake, illegal, corrupted, fraud and even criminal ways ; they were helping and protecting the fraud done by the moving company, cheating and lying, made the amount incorrect on purpose, charging me late fee and interest illegally. Citicard is robbing my money. Citicard must be investigated and punished. This is legal issue, but not a commercial issue. Citicard is deserved to be investigated thoroughly and they should receive the proper punishment. It should remove away Citicard business license, to stop their business of charging customer illegally, to prevent them to continue to rob money from other customers. 

Thank you for your time and attention. 
I am waiting for your feedback. 

My vehicle was declared a total loss by the insurance company. I have both full coverage care insurance and GAP insurance to cover the vehicle contract for fees that the insurance company did not cover. My insurance company paid the claim and the GAP carrier provided information to cover additional expenses with the exception of a $ 54- {$56.00} NSF fee that was incurred earlier in the contract period. After those payments were received by the vehicle lease company I was charged excessive 'interest fees ' on the outstanding balance. The only outstanding balance was an old NSF fee that the company neglected to advise me of. I do not believe it is in the consumer 's best interest to have interest fees assessed on an amount that was not disclosed until AFTER the insurance company declared the vehicle a total loss. I also do not believe it is in the consumer 's best interest to have interest fees assessed on an amount that is different from what was provided to the insurance company and the GAP carrier.
Trying to get a loan and found a misc. mark on my credit report. I was never notified by mail about this matter, when I called the company the address they had on file for the account I never lived at.


Their unwillingness to work with me to help me pay these loans back is criminal and their interest rates are predatory. Something has to be done to offer flexibility in repayment.
It is to my understanding that in order to obtain copies of the ATM videos that most of these transactions took place, I would be required to submit subpoena, which means I would most likely need to file suit first. Though this is the absolute most extreme outcome, I am fully prepared to do so. 
In my opinion, they have failed in there obligation to conduct a full and proper investigation and adequate service. Furthermore, I feel they are not honoring there written terms and conditions provided on the cardholder website where my account is held. 
They never informed me of any decision, they refuse to reimburse me my financial aid funds, and they did not follow procedure that 's
The employees also testified that they had no knowledge about the sale of the debt portfolios from the original creditors to Midland funding. The end result of these robo-signed affidavits is that the default judgment and summary judgment entered by the courts are based on affidavits that are false. The courts are misled into concluding that the affiant has actually verified the debt. The correct balance owed, the interest rate is applicable, and the identity of the debtor, when in fact none of it has been verified by affiant. 
HO really wants to keep the property, we need Wells Fargo to make the changes in the income used, and provide the HO with the Loan Modification which was Applied. 
We want to placed a complaint against Wells Fargo for not providing the right opportunity for HO
I paid for the transaction because I did n't want to hurt my credit history, I never agreed to the full amount of the payment.



To make matters worse, I 'm also facing being laid off from work in the next few months. 

I need help. I do not have the ability to keep paying on this loan and the other payday loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. I 'm wondering if it was legal for Speedy Cash to give me a payday loan and a {$2600.00} installment loan at the same time? Also, someone told me that in California, there are no interest rate caps on loans above {$2500.00}, and that might be a reason why I got a loan for {$2600.00}. Intially, I did n't want that much money. I only wanted to borrow {$1000.00}, but they ended up lending me way more. Now I 'm having trouble paying it back and my principal is n't decreasing with my payments.
Gila Corp have been calling my home number on a daily basis for the past 2 years. They leave automated messages concerning a debt. They do not advise what it is only a number asking me to call them back. I did return their call but I got nowhere. They continue to call which is giving me emotional distress. If I owe someone money they should send me an invoice or statement and if it 's correct I will pay it.








I have applied for all Homeowner 's assistance programs that my lender has to offer. I previously was denied for a modification. The lender used the incorrect income amount. I am currently in escalations review and I have submitted supporting income documentation
Collection Agency ( Oracle Financial Group LLC ) would not make any payment arrangements with me unless I could make a payment today. They misrepresented themselves and indicated they were attorneys and not a collection agency so they couldnt do payment arrangements. They said my case would be turn over to my county and my drivers license would be suspended for 6 months automatically and my wages would be garnished. They clearly were n't following appropriate debt collection practices so was nervous about making any payment to them because they made numerous threats and false claims
I applied to for a modification of my loan and got approved for a monthly payment of {$2900.00} which is more than 31 % of my income. There was no explanation as to how the mortgage company got that figure or how the payment is going to be distributed. 
I can not afford that high payment and will like any help available.
Aside from feeling like I have been totally taken advantage of for the last three years, my husband and I really feel as though this service and corresponding monthly fee is both unfair and deceptive. The manner in which this service is first introduced as a " free trial period '' and automatically applied to a consumer 's account is in no way reasonably avoidable in our opinion. To put it simply, there is just no way I would have ever knowingly entered into any kind of arrangement like this. I really feel as though I was unknowingly coerced into purchasing this unwanted product/service. 
Looking back, I am aware that I should have questioned this charge much sooner than now, but have nothing but my lack of knowledge and inexperience with credit card companies and finances to blame. I am not nave enough to believe that I will ever see any of the full {$290.00} that was charged to my account over the years for this service. In fact, as of today I have paid of the entire outstanding balance on my credit card and am seriously considering closing my account with CITI. It is hard to feel any other way but disappointed in how this has all played out. It seems totally unreasonable to me that a credit card company ( or affiliate ) could place a service like this onto an account without consent and then continually charge the very same customer after not taking specific action to opt-out of the service before the " trial '' period ends. My hope is that the CFPB at least takes notice of this service offered by CITI and investigates the matter further.
Spoke to company to have letter sent on terms to pay off debt, agreed to amount and to have debt removed from credit report. No letter ever recieved with terms. Have money to pay, but letter to do so.
I check my Credit Karma report monthly and several months ago this debt just shows up on my credit report as a " bad debt '' from a PROCOLLECT. They never contacted me, or gave me a chance to even pay the {$75.00} debt - if it was in fact legitimate. I wrote them a letter and got back a coded response with no discernable information on it to determine if it was even a good debt. They gave me no phone numbers to call for verification or any information on how to validate this debt. I 'm at a loss as to what to do now.
I continue to get automated calls to my work cell phone non-stop from CMRE. I have asked several times for CRME to stop calling my work cell phone and send all inquiries by mail, they refuse to do so.
the mortgage
Collection agent began conversation with ultimatum : " Unless you agree to payment terms, we will file a lawsuit and get a judgement ''. He then said, " Do you think you have a get out of jail free card or what ''? Very rude, and obnoxious on the phone. When I asked him not to call again, he immediately called back. He then called a few 3rd party friends and relatives of mine as a further ploy to annoy and intimidate me. He had my contact information, and had no right to call any 3rd party to question them.


Chase is increasing escrow reserves on mortgages over a reasonable balance to maintain and use funds in escrow over the amount required to the detriment to the borrower and to increase funds for the bank investments.
That month, I was charged an annual maintenance fee of {$39.00}. I had no idea that the annual maintenance fee would be charged the same month as the opening of my account. 
I did n't charge anything on this card for several months so there was no need for me to check my balance. 
I had no idea that the annual fee had been charged to my account and as a result, since I was n't using the card, I did n't make any payments. 

I have attached a copy of my credit card agreement from Bank of America which outlines the stipulations that I had to agree to in order to obtain the card. The {$39.00} annual maintenance fee is mentioned, However there is NO mention at all of the date when the annual fee is supposed to be charged. Nothing at all. 


We believe Fay Servicing & the investor behind our loan been purposely delaying the short sale process, ignored the short sale request and valuation disputes, did not cooperate with seller or buyer or their respective agents even though there is every evidence that the short sale valuation was most legit and up to par value of not only their own BPO ( Broker price opinion ) but our buyer 's offer, and additional appraisals & reports done by licensee 's. They have refused to send additional inspector even though they promised in writing and agreed to consider their original request was outrages. Their staff dragged the time purposely, knowing the market is changing and forcing homeowner to do deed in lieu by threatening for foreclosure and not responding to the short sale request. The detail of the complained will not feet in this section, so there is an additional letter in a separate attachment including most evidence.




















I just need to sell car please. 

Someone opened a fraudulent natural gas account using my first name and social security number. That account was sent to First Point Resources for collections. 


Eventually the credit bureau responded that the debt collection company ( First Point Resources ) had verified that this account was actually mine. 

Upset, I called First Point Resources to get an update on the situation. Their representative said that First Point never received a copy of my police report. I was incensed that instead of sending any notice to me that they did not receive my police report, they verified fraudulent information with a credit agency. 

American Express refuses to close a Premier Rewards Gold Card. My wife and I close the card, and then American Express claims there are fees ( seemingly a random amount ) that accrued post closing, and seeks payment on them. 
We ask that the account be correctly coded as closed and paid in full. We ask that written confirmation of that status be sent to us. This zombie card needs to be killed for good, with no possibility of repeating these returns from the grave. 
The written communication we could easily find is enclosed with this complaint.

Dear Madam/Sir, I received a credit card from Coamerica Bank. Before using I called customer service to get approval. They now have cancelled my card. Please help me. 

False representation and information given. Did not received verification or notice of right before paid to both account.
The debt collector contacted my son & daughter-in-law very soon after leaving message on my answering machine. I was already in contact with them, and told them I am contesting the validity of the debt. The debt collector has my current address and telephone number.
I was contacted by this company who is threatening to sue me. So i entered into an agreement to repay the debt. I was sent an email of a letter after i asked that a physical copy be mailed to me. i then noticed small typos and no street address only a po box . However i was unsure of the laws, and felt a little uneasy so I checked my credit report and I did not see the debt they are attempting to collect so I assumed it had been charged off or was too old to be collected. After trying to research the company I am now afraid that they may not be legitimate and maybe be trying to collect money from me for fraudulent purposes.
My wife opened a prepaid card for me with Capitol One. She accidentally gave them her social instead of mine. We gave them the opening deposit, an automatic payment from our account. When we went to use the card a few months later we found it had been closed, because of the social being wrong. They would not and have not returned the deposit money despite hours on the phone with them.
With no other information filled in. 
Recently I learned that Oxygen Recovery Group put this money for collection to my account. 
As I am sure it is situation of conspiracy based on my identity theft for exaction. 
Of course I filed compliant with the Federal Trade Commission as well as with Credit Bureau. 
Now I look for an attorney to file Legal Case of exaction.

I am currently still paying 14.25 % on a balance that should not be there. I followed the rules as they were explained to me by a Chase representative and got screwed. 
I am contacting my Congressmen in hopes that this will stop once and for all. 

Had I waited for the new purchases to hit the new billing cycle I would have paid even more interest. Is this the way the new financial rules are suppose to work? More interest for the banks?
I am a victim of ID theft, and have been declared so by the FTC and the local Police and had forwarded Transunion the Police Report and the FTC ID theft report, along with a dispute letter addressed to Transunion ( see attachments ). 
I did a payday loan through WhitePine Lending. I didnt know it wasnt legal in my state ( NJ ) nor did I expect it to cost as much as it did. I felt as if I was constantly paying and the debt was never cleared. Now I am getting phone calls at my job and they are telling me they will garnish my pay. 






I have a dispute with a local towing company. Towing company charged higher amount than they promised and also higher than they are allowed to as per law. Also as per their service agreement they have to take care of all my stuff but they did not bring my front license plate. So I opened a dispute with BECU under their visa dispute program but to my surprise I found that they have contracted it out to third party company and this dispute department did not investigate my dispute properly and their decision was " '' towing services were completed we do not have dispute rights against the merchant '' '' we are not disputing whether towing services are provided or not we are disputing the amount they charged and their service. ( i.e. they lost my license plate ). Also I had to call police because towing company was harassing me at my home. Also I feel betrayed that BECU convinced us that we are protected and they will take care of us in such event but actually they contract it out to third party company who really does not care.
They sent my debt to another collector and I paid them but they still have me in collections but I have no account with them.
Please understand that the actual monthly payment was {$800.00}, But because the servicer was fraudulently claiming - it paid {$1100.00} for property tax ( while the county record shows that it paid only {$990.00} ) ; therefore, it increased my monthly amount to {$820.00}. Therefore, I refer to {$820.00} as " full payment '' ( although this amount is erroneous ). 
TO ADD INSULT TO INJURY, SLS is not reporting the account to my credit report.
This is dealing with an Estate Debt. A major credit card company hired a Collections Agency to collect a CC debt after my mother death. I am the legal administrator for the estate. 

I feel they have no right to request such a document. Is this legal?
This is dealing with an Estate Debt. A major credit card company hired a Collections Agency to collect a CC debt after my mother death. I am the legal administrator for the estate. 

I feel they have no right to request such a document. Is this legal?
denied Secured Card
The bureau is reporting false information on my behalf regarding my personal information, as well as false accounts that are not even mine and I have no knowledge of. I would like these accounts removed from my file as its is hindering me from utilizing my true credit.



I 'll be happy to testify in any class-action suits, or if you 're an attorney, I 'll happily be your plaintiff.
I asked for HAMP Loan Modification for 30-40 years for 2 % interest, instead I am getting a loan modification for 2 % for 2 years only. Inaddition the letter says the interest rate goes up to 6.75 % which iswhat the current rate is now. Again Nationstar is asking me to pay {$9200.00} up front before they agree to do the 2 years modification. 
To me this is not the HAMP Program modification I am expecting fromNationstar. To me this is more of scamming than anything else. 
Scamming in HAMP Program is illegal. Therefore I refused to sign their letter ofagreement/acknowledgement.
They have repeatedly failed to properly investigate my dispute and I have provided more than enough documentation to prove my claim is true and accurate. Had Transunion seriously investigated my claim, they would have found the proof of the error is in the credit report itself. 
Transunion is in violation of several Federal Laws and has neglected to properly investigate my claim. From my understanding of Federal Law, Transunion is obligated to do the following ; Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. 
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.




This entire experience appears like it is almost designed to confuse senior mortgagees and trick them into agreeing to more expensive insurance linked to the Mortgagor. In some cases it would not even surprise us that mortgagees have been unwittingly duped into agreeing to unnecessary double coverage.
I have had this cell phone number for a year and continue to recieve multiple calls from many different numbers for whom I presume was the previous owner of this phone. Most are recordings, but the few humans with whom I 've spoken always say they will take my name off the list, but no luck.
My accounts were closed and {$260000.00} was taken from me without due process or investigation and several banks are involved. I was promised its return plus interest accrued. 
I disputed UNAUTHORIZED inquiries on my credit report. Per the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. This is a violation and it should be removed. I feel a reasonable investigation of these inquiries were not done and after sending in proper identification a fraud alert was placed on my file for disputing this. I would like to have these unauthorized inquiries removed and the fraud alerts lifted from my file. I now have credit monitoring so there is no need to have a fraud alert placed on my file.
I applied for a mortgage for a rental property. Prior to denial they never asked for nor received any verification documents. When I protested not the denial, but the way they had arrived at the decision, they changed loan officers. I then provided tax returns and bank statements as verification of income. I was once again denied. I never received any official documentation as to the application, nor did I receive a denial letter, containing the reasons for denial. I believe I was also supposed to receive something containing my credit score. I have no documentation to upload in support of this complaint because I was never provided with any. I do have emails to and from the company. That 's it.
I have all documentation to back up every word in this complaint, an would be happy to forward it to you via certified mail, it is far too much to attempt to attach to this complaint via web.








I have send in my regular monthly payment and found out 4 day 's later that the payment was not collected and I called the mortgage company and they told me that they have n't received it.They to chehed after 2 day 's and if not collected to put a stop to the check.I called the day after that and then I was told that it is delinquent and I need to pay the full amount and they want accept my regular payment.
The loan system of TD Bank is very confusing. I was rejected today by TD bank to waive the late fee after my best effort to correct a late payment situation. I then realized that it is TD Bank 's deliberate intention to create this confusion to make extra profit by collecting late fees on customers. For a {$2400.00} tax escrow late payment, TD charges {$160.00}, which is 6.54 %. 



If a huge corporation like TD Bank has some ethic value in this business, I believe TD should at least give its customers one chance to refund their hard earned money and more importantly correct its system to clarify its parts of duty.
I have been a victim of fraud and I want to stop the money from going thru.










BOW-MC is either awash in incompetence, or fraud.
I called her back the same day and she told me I was being sued and that the Superior Court was involved and had a case against me. She went on to tell me I could resolve the issue by paying this debt today. I took her info and told her I would need to call her back. 
My wife and I both spoke with her about an hour later on speaker phone and she repeated most of what she had told me in my previous conversation with her but also went on to say that I could do " jail time '' due to check fraud and a list of other reasons. She also stated we had to resolve it today and that it was the deadline and that they already had a case against me and they would win, that we were targets because of our income. 
We have been completely strong-armed into paying this huge amount of money solely out of fear because of the threats and the personal ( and false ) information communicated at my place of employment. We don ' know where to turn for help in this matter.
new phone system. then i got hung up on. then i was read a scripttheir call centers in other countries they barely can speak english such where when i tried to make a payment on my cc i could not since the representative did not understand english
I would like to request that your agency investigate this matter and kindly remove the inquiry from all credit reporting agencies.
Add to this, multiple emails to review my disputes and the site tells me there are NONE. 


Moreover, even though I was disputing fees they were trying to collect, they already sent false information to the Credit Report System! My Credit History score dropped due to SM false report.
This agreement was for {$13000.00}. We are not sure if we have a legal dispute with Visa, but we have been told that we do. 
Thank you for your help


However, no change has resulted from using the special handling address, and the mis-application of payments and incorrect credit reporting has continued.
This company takes a variety of tactics to reclaim a debt. I first discovered an attempt to collect this debt after I was sued by this company. I did not show up to court, and they received a default judgement against me. The debtors then seized my assets which I proved were protected under the law and attempts to collect we 're closed by the court. After I had stopped them from taking my funds. For the last year, they have used a number of tactics to get this debt including contacting a 3rd party about my debt, reporting to the collection agencies when I disputed the account, and they reported the judgement entered to the credit agencies after I asked them to remove the debt. I had asked them to verify the debt after receiving the judgement, including my signature, but they never produced these documents. Instead they sent me old statements, which I know does not qualify as adequate verification of debt in the state of Illinois. They still are claiming that they have provided me with verification. I contacted the original creditor to see if I can dispute the debt with them directly, as this company is extremely difficult to deal with.
I received a prepaid rewards card from American Express as part of a promotion for purchasing an electronics item from an online vendor. I live in Minnesota, where I thought any gift card whether prepaid credit/debit or otherwise would be exempt from service fees. In other words, if you receive a {$5.00} card then it will remain as such until used. 
This is very confusing. Funds do not expire, but they clearly do through the attrition of the service fees. The semantics might be different but the end result is the same. You must use this card or else the fund will indeed expire. 


Please let me know if you need more information. 

You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. We encourage you to review your credit report for accuracy. 
You also have a right to a free copy of your credit report from the consumer reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have a right to dispute the matter with the reporting agency listed abo