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consumer_complaints

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Company chooses not to provide a public response	Experian is reporting my OPEN and CURRENT Mortgage loan with XXXX as XXXX in BK. XXXX is reporting the monthly payments but Experian is supressing the information and refuses to accurately report the payments and show the account is Open. This debt was Officially reinstated in a Chapter XXXX BK. This is NOT a Chapter X...
Company chooses not to provide a public response	i opened XXXX Bank of America credit cards 15-20 years ago and the interest on the account is very low, some time 7 years ago or so i got a notice that my interest was changing and going up to prime plus 2 % i think.prime was going up back then, and several banks did this, or you had a option to close the account, and ...
Company believes it acted appropriately as authorized by contract or law	Lawyers at this law firm ( XXXX ) sent me a letter stating they were hired by this bank ( XXXX ) to prosecute legal proceedings to enforce the security interest, collect a debt on my mortgage. and filed affidavits in court declaring they were hired to collect a debt for this bank and filed an foreclosure in the banks n...
Company believes it acted appropriately as authorized by contract or law	In XX/XX/XXXX I filed a police report regarding my wallet being stolen which had money, credit cards, driver 's license, SS card, and checks. I immediately went to my bank and closed the account and reopened a new one and received new checks with a different account number. The person who stole my wallet had used my de...
Company chooses not to provide a public response	I received services from a healthcare provider XXXX years ago. Recently I got a call from a Collection Agency who said the debt has not been paid. The healthcare provider and I were in agreement that they 'd take care of billing but somehow my name was thrown into the mix. The healthcare agency does not respond to my i...
Company chooses not to provide a public response	I have been disputing incorrect information on my Experian XXXX XXXX XXXX credit report but they are unwilling to allow me to dispute their " investigation results ''. The creditors are XXXX XXXX and XXXX XXXX XXXX. The report reflects late payments and the information is inaccurate. XXXX creditors have agreed to have ...
Company chooses not to provide a public response	Experian # XXXXXXXXSince I received the letter from XXXX XXXX regarding the complaint listed above I have discovered that this problem has escalated and I believe that I should taking serious action as my rights are being violated. I am outraged at the method of deception which was put into to play last year and is sti...
Company chooses not to provide a public response	I have reached out to the company. However, they never responded. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Sun Trust '' on XX/XX/2014 via XXXX certified mail. The company refuses to honor my ...
Company believes it acted appropriately as authorized by contract or law	Reached out to them however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Flagship Credit '' on XXXX via XXXX certified mail. The company refuses to honor my rights under th...
Company chooses not to provide a public response	I am unable to obtain my experian credit report on line. I am also unable to access my free anual credit report online via the annualcreditreport.com website. I was told the size of the report is causing this and may be related to the number of soft inquiries generated by reviewing my own report. As I had previously be...
Company chooses not to provide a public response	there is a XXXX BP account on my credit report that does not belong to me. I have attem have attempted to dispute several times to no avail.
Company chooses not to provide a public response	I Want to file a complaint about Bank of America For Foreclosing wrongly on me and my familys only home we had and loved! Bank of America ruined our life 's and we have been XXXX ever since they wrongly foreclosed on me during a loan modification I was almost done with and approved for! Its been almost 3 years since Ba...
Company chooses not to provide a public response	In late XX/XX/XXXX or early XX/XX/XXXX I received several voice messages and emails from Bank of America regarding my XXXX credit card. I immediately contacted the bank and was informed that fraudulent charges were detected on my XXXX credit card and the bank closed the account to protect me from further fraudulent act...
Company chooses not to provide a public response	After retaining counsel in XXXX of XXXX due to contact by Javitch & Co. a collection agency in XXXX OH for judgement on a credit card debt I could no longer pay on due to having lost my job in XXXX of XXXX ... said collection agency sent me on consecutive months from XXXX till XXXX, requests fro payments ... Attorney X...
Company chooses not to provide a public response	I have credit cards with CitiCard and XXXX XXXX XXXX. I mail in payments a week before the due date but they are posted the day after the due date and late fees are charged. When the companies are contacted, I 'm told " we do n't have control over the Postal Service ''.
Company chooses not to provide a public response	I got behind in payments and worked with B of A 's loan modification dept. in XXXX. In order to keep my home, I made an arrangement for a XXXX month payoff in which I made higher payments each month until the balance was caught up. I was able at that time to make the payments high enough that I actually got caught up i...
Company chooses not to provide a public response	I accepted a credit card off for the Barclays XXXX XXXX. The initial disclosure provided to me indicated a promotional rate of 0.00 APR on purchases ( 6 months ) and balance transfers ( for 15 months ). Upon receiving my card the disclosure provided did not reference the promotional rate on the balance transfers, there...
Company believes complaint relates to a discontinued policy or procedure	We opened an account with Freedom Funiture in XXXX paid as agreed and refinanced in XXXX. We paid as agreed until we became unable to pay the full amount in XXXX. We made an agreement to pay a lesser amount per month and kept paying via allotment. Freedom got a judgement against us while I was training. I was not serve...
Company chooses not to provide a public response	Incorrect information is being reported by the credit bureau 's. My identity was stolen.
Company chooses not to provide a public response	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 s...
Company believes it acted appropriately as authorized by contract or law	I have a private loan with Sallie Mae. I called them to try to get them to lower my payment or interest rate due to my income. I have XXXX children and only made a small on my taxes last year I need help with my payment or it will ruin my credit. They REFUSED to help me at all. I am VERY unhappy.
Company chooses not to provide a public response	Hello, please help. To be brief, in XX/XX/XXXX I filed bankruptcy with my now ex husband and surrendered a home. BKY discharged in XX/XX/XXXX. To this date, the home has NOT yet foreclosed! After more than 7 years! This mortgage was part of that Countrywide/BOA buyout issue and the foreclosure has started and stopped m...
Company believes it acted appropriately as authorized by contract or law	I had a mortgage for XXXX years with XXXX XXXX XXXX My original payment started out at about {$1600.00}. The next year when the analysis was done they lowered it to {$1400.00}. They recently sold my mortgage to seneca mortgage and I have received a letter from them on XXXX XXXX 2015 stating that my mortgage will be goi...
Company chooses not to provide a public response	My Complaint is in regards to my credit card with Bank of America there was a payment made in XXXX made through and Insurance company that I purchased through Bank of America in the event I had any life changes. The problem is I was just made aware that Bank of America no longer conducts business with them. As result I...
Company believes it acted appropriately as authorized by contract or law	I applied for a credit card and was accepted from usaa. they sent me a welcomepack and I recived a bill shortly after. I do all my banking online so I tried to pay the bill right away. they told me I could not hat they needed more information so I sent them morewas told that was good and I should get a reply within 2 t...
Company believes it acted appropriately as authorized by contract or law	I have paid all copays and just rec 'd a bill from a collection agency. I have never rec 'd anything in the mail before on this. I called the Dr offfice and they say it was because visits that are being billed didnt have a referral but I always had a referral and if they told me that I would have gotten XXXX. I have at...
Company chooses not to provide a public response	TOO BIG TO FAIL AND CARE We are in our XXXX, after our last child went off to college in XX/XX/XXXX, we decided to downside and move into a smaller place. In XX/XX/XXXX, we paid down on our dream home. This is an XXXX and half bedroom condo in the heart of XXXX -- - ( no car needed ) XX/XX/XXXX, we were informed that B...
Company chooses not to provide a public response	I have made many mistakes when I was younger and XXXX of them was with Bank of America .Last year I deposit XXXX checks in around XXXX and XXXX in XX/XX/XXXX, I Did a mobile deposit through my phone and it gave me an error due to bugs on the mobile application that Bank of America provides for clients, also my phone wa...
Company believes it acted appropriately as authorized by contract or law	I received a court XXXX for a XXXX bill from XXXX years ago from a debt collection agency. I called immediately to ask what it 's from and they would n't give any information and said I can pay XXXX of it to settle it but that the legal process would n't stop. I asked how much half would be and they said XXXX, but the ...
Company chooses not to provide a public response	I have a bank account with Ally my wife takes care of all our bank accounts we deposit a Ally and the freeze my account stating that I was depositing too many checks from her. Which I dont see why would that be a problem she is my wife we are trying to save when our pay check come in she write all the check to our bill...
Company chooses not to provide a public response	ALLY bank doesnt accept other form of identification but a social security number
Company chooses not to provide a public response	I requested my credit score and paid a special reduced fee for providing the score from Experian. Later, when I found out they had charged me {$21.00} in addition to the {$1.00}, I called them to cancel the charge and the account they said I had opened. Their representatives made me wait a long time on the phone before...
Company chooses not to provide a public response	This complaint is because we have attempted to have our mortgage payment modified numerous times since I suffered an injury at work which in turn greatly reduced our income. Since that happened we have tried to have Bank of America work with us to keep our home and payments manageable and they have done nothing to assi...
Company chooses not to provide a public response	On XXXX XXXX, XXXX I submitted documentation to ECMC, in accordance with their internal policy and the XXXX protocol, requesting student loan discharge due to false certification and id theft. I included a letter of material fact - examining the nature of my dispute and the history of my forced compliance with ECMC, mu...
Company chooses not to provide a public response	I have been disputing with Experian for over 1.5 years for inaccurate reports and fraudulent reports and XXXX loans that was deleted then put back on and I have fraud alert with security freeze with my number some one changed my fraud alert phone number and put there number in there mines was removed and I have sent ou...
Company chooses not to provide a public response	Primary loan with XXXX requested an unpaid principal balance that should not exceed 8 % of the balance owed. On XXXX/XXXX/2015 at XXXX Called Bank of America ( BOA ) spoke to XXXX XXXX ID # : XXXX Said the account has been charged off, the loan has been forgiven and is no longer. XXXX transferred me to Charge off dpt. ...
Company chooses not to provide a public response	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...
Company chooses not to provide a public response	In XX/XX/XXXX, while discussing an unrelated business mater with a current lender, I was made aware that an account, I did not authorize or initiate, had me listed as a cosigner. I immediately notified the lender that I was a victim of identity fraud and requested to see the information they had on file. In turn, I che...
Company chooses not to provide a public response	This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX XXXX XXXX. XXXX XXXX unilaterally and incorrectly directed the monthly payments to payment of insurance, this error was subsequently corrected ( prove of the inaccuracy ) ; n...
Company believes it acted appropriately as authorized by contract or law	Hello, I am a XXXX XXXX XXXX from the University XXXX XXXX XXXX in XXXX XXXX, Ohio. 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 ...
Company chooses not to provide a public response	After retaining counsel in XXXX of XXXX due to contact by XXXX XXXX XXXX a collection agency in XXXX OH for judgement on a credit card debt I could no longer pay on due to having lost my job in XXXX of XXXX ... said collection agency sent me on consecutive months from XXXX till XXXX, requests fro payments ... Attorney ...
Company believes complaint caused principally by actions of third party outside the control or direction of the company	Repeated calls being informed that they are trying to serve me some legal documents. Misrepresenting themselves and leaving threatening voicemails. Constant and frequent calls with none on the other end and ghost calls to relatives. Cease and desist emailed and faxed. I have XXXX XXXX and they are stressing myself and ...
Company chooses not to provide a public response	Bank of America has endorsed and erected an " intangible '' system and culture that takes advantage of the FHA program and its borrowers. My experience with Bank of America proved that this was the case and that they were not concerned with what was in my best interest. I did all that I could within my knowledge, dilig...
Company chooses not to provide a public response	US Bank had XXXX accounts under my name and I thought you could write a check for XXXX account to deposit it into the other account, because XXXX account I thought had overdraft protection. XXXX disagreed with me and said that I was XXXX XXXX '' checks. I 'm XXXX and I feel she reported me to Chex Systems for a poor re...
Company chooses not to provide a public response	Bank of America continues to charge me late fees within the 30 day window. I pay my mortgage within the 30 day window, i.e. my payment is due XXXX XXXX and I pay before XXXX XXXX and they charge me a {$90.00} late fee
Company chooses not to provide a public response	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. This is in regards to my auto loan previously with XXXX finance which is now Ally Financial. I did voluntarily repo the car however they are currently not showing accurate ...
Company chooses not to provide a public response	I have tried to request my annual credit reports from all three credit reporting agencies. ( XXXX, Experian, & XXXX ). After asking for my general information, and my social security number, date of birth, etc., I was asked XXXX or XXXX questions about my checking account, if a home i currently live in or did live in i...
Company chooses not to provide a public response	I applied for modification in XXXX of XXXX, where my income has plummeted due to collapsed economy, and where President Obama administration issued new laws and regulations, to help distressed homeowners to stay in their homes. I applied for modification with Bank of America in hope my mortgage will be modified. My har...
Company chooses not to provide a public response	In my report is u.s.bank which I never used and it was reported as account abuse, reported on XXXX/XXXX/XX/XX/2011 the amount of XXXX I never put any type of money in that account or had any checks for it either, so I would like to dispute this file the routing # XXXX and the account # ends in XXXX
Company chooses not to provide a public response	I have been in chapter XXXX since XX/XX/2011. The case was turned to chapter XXXX and discharged last year. I have been waiting to receive repayment instruction from the bank on this loan. Nothing yet. Yesterday I get a harassing call from a collection agency, XXXX XXXX XXXX. I am willing to go on payment plan and repa...
Company disputes the facts presented in the complaint	I have inquiry alerts through my bank. On XXXX XXXX, XXXX, i received a inquiry alert fromt Banner Finance, DBA Commerce Finance XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Texas had done a hard inquiry. I had a Signiture loan back in XXXX, that was paid. I contact Corporate XXXX Banner Finance and spoke to Secretary XXXX. I ...
Company believes it acted appropriately as authorized by contract or law	I filed my income taxes to turbo tax .I was supposed to have my refund direct deposited onto a prepaid debit card from net spend. I never received it and I called NetSpend they cancel my acardand I have not been able to receive my refund .they said they sent my refund back the IRS but I have information that it 's in a...
Company chooses not to provide a public response	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 P...
Company believes it acted appropriately as authorized by contract or law	Applied for a loan modification back in XX/XX/XXXX, loan representive at the time was XXXX XXXX. I was told by XXXX XXXX back in XX/XX/XXXX that the loan modification was approved and that I would be receiving a package by fed ex to go over the terms. At that time I ask XXXX XXXX about the late payments he stated as lo...
Company chooses not to provide a public response	Bank of America closed my accounts without my knowledge and has not sent out my money as promised. It has been since XXXX 2014. I had a business account : XXXX XXXX XXXX and a personal account. They owe me {$500.00} of my money which was never returned. I keep getting the run around from this bank. They claimed they se...
Company chooses not to provide a public response	XXXX XXXX XXXX I took a HELOC with Bank of America XXXX. {$50000.00}. XXXX XXXX XXXX I sold house. Did not use HELOC {$50000.00} Bank of America closed balance XXXX letter to title co. Moved to XXXX with daughter XX/XX/XXXXMet with new rep wealth management Bank of America in XXXX to transfer assets from XXXX chkg a...
Company chooses not to provide a public response	I applied for a loan with Quicken Loans. I was pre-qualified not long after submitting my application and was requested to pay the non-refundable {$500.00} towards an appraisal. Once the appraisal fee was paid, my application went to the underwriter for review. On XXXX XXXX, 2015 my real-estate agent and builder receiv...
Company chooses not to provide a public response	I sent the below letter to Bank of America for a resolution, which they denied. I believe their actions are unjust. I am writing you with a very heavy heart. I am extremely dishearten and dissatisfied with the level of insensitivity and lack of understanding and communications received from Bank of America 's represe...
Company chooses not to provide a public response	Have XXXX on my account from this company never have had any info on what is for on my trans union report the number is XXXX and the second is XXXX do n't know what they are for we have had XXXX XXXX for years and the other says insurance and we have had XXXX for years so no clue and never been contacted about these or...
Company chooses not to provide a public response	I refinanced my home and chose to preserve my Home Equity Line of Credit with Bank of America. They advised we would need to process a subrogation agreement which would take XXXX business days. That fell within the close date of XXXX XXXX, 2015, so we proceeded to pay the fees and process the subrugation. Bank of Ameri...
Company believes it acted appropriately as authorized by contract or law	Stonegate Mortgage Servicing has been rude and abusive to my inquiry on escrow/tax refunds due to me. Said they would call me back but I have had to keep calling to inquire through this process. I was told only XXXX manager was in today and could not speak to me. This is a separate issue but they only have XXXX manager...
Company believes it acted appropriately as authorized by contract or law	I contacted Select Portfolio, my mortgage servicing company, in order the obtain a letter entailing the amount I need for reinstatement to avoid eminent foreclosure. They sent a letter of reinstatement, but it did not state that this amount was the amount needed to avoid eminent foreclosure. When I contacted them to in...
Company believes complaint caused principally by actions of third party outside the control or direction of the company	In XXXX 2011, I started a small XXXX Company and wanted a slide/portable credit card machine. So I contacted XXXX XXXX XXXX. The Bank immediately helped me over the phone and sent me the credit card machine. However, they asked my bank account number to make the deposits after 5 % deduction of their service charge, and...
Company chooses not to provide a public response	Ordered a XXXX credit report and scores from XXXX ( Experian ) .They only gave me XXXX score and XXXX report from Experian. They said there was an error in getting the other XXXX scores & reports. I paid them {$49.00}, & they will not refund my money. It was paid with a Visa card
Company chooses not to provide a public response	I filed a complaint against the bank before and the problem still has not been rectified. By the time I spend money in legal fees it will certainly not be worth it for me to try and get answers. However, I do plan to file complaints with other agencies until I am vindicated of this awful trail of unjust events. Startin...
Company chooses not to provide a public response	I was told by my bank that they did n't accept money orders via mobile upload. I did however upload them. I did n't see the deposits on my account so I went to a branch and had the deposited. Suntrust cashed XXXX sets of money orders and then they closed my account. After I withdrew {$1000.00} I had a balance of {$40.0...
Company chooses not to provide a public response	I have been trying to resolve problems with Citibank andtheir XXXX credit cards. The matter has been going onsometime. I need to resolve these problems but thebank has not been helpful, other than sending formattedlong letters. I hope they come up with a solution.
Company believes it acted appropriately as authorized by contract or law	I am being called by USAA credit card services XXXX times a day regarding a credit card debt. They call on weekends, Holidays, and sometimes at XXXX at night.
Company believes complaint caused principally by actions of third party outside the control or direction of the company	I attended XXXX XXXX XX/XX/XXXX -XX/XX/XXXX ( a XXXX XXXX ). All of my loans were forgiven by XXXX Acct. # XXXX in XX/XX/XXXX. Genesis should have been included in this. They need to stop sending me notices as I am XXXX and will not be paying back any loan unless I receive help from the government myself. Please check ...
Company chooses not to provide a public response	Macy 's has charge me 8 month interest on a closed account that i request to be closed on XXXX XXXX 2011 because high interest rate it does n't state after you closed an account that Macy 's is still able to charger you interest it only state that Macy 's can collect the remain balance which i owe. The agreement that i...
Company disputes the facts presented in the complaint	In XX/XX/2014 I purchased an Solar Air Cond. system. I have found out that the system installed is NOT an Solar Air Cond. system and that the outside condensing unit and inside air handler should have NEVER been connected to an Solar panel per the manufacture. I have placed criminal charges against the company's owner...
Company chooses not to provide a public response	To whom it may concern : I submitted and complainant on the XXXX/XXXX/2014 : on the letter that yawl send me stated that some complaint. if so something should be done about the same complaint over and should let you know over so that so that should let you know that there is some truth to this matter and I gave the on...
Company chooses not to provide a public response	Bank of America representative XXXX called my home 364 days straight in XXXX and also called an hung up when I did not answer XXXX times each of those 364 days but did not leave his name. The calls came in between XXXX est and XXXX est. Sometimes every half hour for several hours. The three years or so before these har...
Company chooses not to provide a public response	Experian is reporting a foreclosure starting in XX/XX/XXXX on my credit report, source XXXX bankI was denied an FHA mortgage through XXXX XXXX bank as a direct cause of this erroneous information. This account was completely closed back in XX/XX/XXXX and I can prove it with a copy of the dee transfer which was recorde...
Company can't verify or dispute the facts in the complaint	MANY HARASSING PHONE CALLS PER DAY
Company chooses not to provide a public response	On or about XXXX XXXX I have been sending Letters to XXXX and XXXX with respects to reporting my Bloomingdale 's account 60 days late, when in fact it was not. Each response I received was that it was " previously verified ''. I also made contact with Bloomingdale 's in XXXX XXXX, and spoke with a customer service rep...
Company believes complaint is the result of an isolated error	I resided at XXXX from XXXX ( see attached ), and I had a move out balance of {$110.00}. The apartment collection agency ( XXXX ) posted this on my credit report TWICE. The balance has been paid to XXXX since XXXX XXXX, XX/XX/XXXX ( see attached ), however it is still showing up on all credit bureau as a DEBT and as a ...
Company chooses not to provide a public response	I filed for Chapter XXXX Bankruptcy in XXXX. My mortgage was not included in the bankruptcy. I have continued to make payments to Bank of America XXXX a month, every month, and have never missed a payment or ever been late. Bank of America ( BAC ) debits my account themselves twice a month. On checking my credit report...
Company believes the complaint is the result of a misunderstanding	I received a call from XXXX with a person claiming to be from Allied Interstate LLC. They asked for me by name and disclosed my SSN. They would not acknowledge why they were calling or what they were calling about. A quick search shows this may be trying to illegally collect a debt.
Company believes it acted appropriately as authorized by contract or law	I received an unsolicited XXXX debit card in the mail from " netSpend. ", associated with " XXXX '' - shown in the documents sent with this unsolicited card. 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 ...
Company can't verify or dispute the facts in the complaint	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 thi...
Company chooses not to provide a public response	Hello, mortgage : XXXX XXXX in dispute : XXXX XXXX report # XXXX XX/XX/XXXX, I contacted Experian to dispute a delinquent payment on my credit report. I was advised the mortgage company had to correct the late pay and resubmit to the credit bureau. I sent my mortgage company a copy of my XXXX postal tracking # It was m...
Company chooses not to provide a public response	Account holder : XXXX XXXX XXXX XXXX & Bank of America XXXX XXXX XXXX branch My name is XXXX XXXX, my husband XXXX XXXX XXXX XXXX XXXX and I are Bank of America customers at XXXX XXXX XXXX branch and XXXX XXXX. The account in my name only, because at the time my husband and I discussed, agreed of opening " join account...
Company chooses not to provide a public response	I opened an account with Bank of America in XXXX. I had been a faithful customer with them for 10 years and never owed them any money. I had a credit card like I said opened in or around XXXX but they offered me a 0 % APR FOR A YEAR I kept asking the terms about this but they just kept telling that I could get any loan...
Company believes it acted appropriately as authorized by contract or law	XXXX apartments is trying to collect an amount of money for maintenance and cleaning of the apartment and they sent me to collection with XXXX.without informing me on a timely manner. I understand they changed management, I was waiting to get my deposit returned because when I left the place I was informed that I woul...
Company believes the complaint is the result of a misunderstanding	Clear back last XXXX I got several awful voicemails from someone mumbling about a " personal business matter '' that their lawyers wanted to speak with me about. Eventually ( XXXX ) they called and I answered. They specified they were from " West & Associates '' collecting on a Debt from XXXX. A few days later I got a ...
Company chooses not to provide a public response	I have tax escrow account through US Bank for my mortgage. I was issued the escrow check in XX/XX/XXXX and paid the county once it was XX/XX/XXXX for tax purposes. I forgot about the check and ended up sending it in 8 days late, which was my fault. The bank stopped payment on the check, I believe on XXXX XXXX, without ...
Company believes the complaint is the result of a misunderstanding	On XX/XX/XXXX I purchased my home through Castle and Cook Mortgage company that deals with Loancare online. I started a hazard insurance policy and flood insurance policy on XX/XX/XXXX. After the XXXX year was up FEMA sent me a statement saying my current policy was not going to be honored. I started making arrangments...
Company chooses not to provide a public response	I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " ALLY FINANCIAL '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights un...
Company chooses not to provide a public response	Initiated contact via written notification of billing errors on XXXX XXXX 2015. Citibank failed to acknowledge and to respond to our Fair Credit Billing act dispute letter. Certified letter was recieved by Citibank of XXXX XXXX, confirmed via recorded telephone line. Contacted citibank multiple times and failed to retu...
Company chooses not to provide a public response	I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " CBNA '' on XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FD...
Company chooses not to provide a public response	The loan was originally with ECMC. I consolidated the loan to my fedloan account back in XXXX of last year. XXXX confirms that the consolidation was completed and that a check for XXXX was sent to ECMC on XXXX. ECMC turned the loan over to XXXX after they had receieved tha payoff from XXXX ( Acount NUmber XXXX ). I hav...
Company chooses not to provide a public response	I used a XXXX gift card to make a purchase at XXXX on XXXX XXXX, 2014. I maximized the value of the card, so I discarded it. On XXXX XXXX, I returned the merchandise to the vendor and a credit was issued to the gift card in the amount of {$39.00}. I contacted XXXX to find out how to get the credit and have been given t...
Company believes it acted appropriately as authorized by contract or law	I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Carvant Financial LLC '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my ri...
Company chooses not to provide a public response	I have a hard credit inquiry in my XXXX report from XXXX XXXX, 2015. I never authorized to reopen the case for a previos credit card application. I was never told that the will do a hard hit again on my credit. I only requeted to review the reason on the denial. I have contacted the bank, the don ; t believe me. I cont...
Company believes it acted appropriately as authorized by contract or law	I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " American Credit Acceptance '' on XX/XX/2014 via USPS certified mail. The company refuses to honor ...
Company believes it acted appropriately as authorized by contract or law	the company promised to combine my debts for into XXXX monthly payment. they were to get in touch with each creditor and make arrangements for smaller payments. after three months of payments to the company, they never made any contact with my creditors, or rendered any service of any kind to me. now they are giving me...
Company believes it acted appropriately as authorized by contract or law	Covington Credit in XXXX, Tx. has called me on a constant basis everyday to collect on a loan payment. Given my struggle to repay this debt, the manager told me that she can not take " partial payments '' because she has to report this to her corporate office. This company has even made personal visits to my house atte...
Company chooses not to provide a public response	I had a charge that was charged my card as an authorization by XXXX and when i stayed at hotel as told it would drop off and decided to pay in increments for hotel stay ( {$330.00}, {$160.00}, {$890.00} ) as i did n't know how long we would be staying for whole reservation as home was n't ready to move in so we changed...
Company can't verify or dispute the facts in the complaint	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 thi...

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