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PaawanPurdhani

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credit_card

purchase order day shipping amount receive product week sent followup email exact verbiage paid two day shipping received order company responded im sorry inform due unusually high order volume order shipped several week stock since early due high demand although continuing take order guaranteeing receive order place due time mask order exact shipping date right however guarantee ship soon soon delivers product u getting small shipment shipping first come first served basis appreciate patience fulfill order quickly recommend keeping order lose place line cancel distributor stock moment prefer cancel please note ask via email cancel accordance cancellation policy agreed checkout electronic inventory online requested order canceled refund issued canceled order sent verification order canceled refunded item particulate respirator refunded subtotal shipping tax total usd visa ending refund called disputed amount stated nothing needed submitted address issue recharged item removing called back dispute amount transaction rebillmerchandiserobert ca purchased thu posted wed purchased appears statement transaction rebill ca u followed see status case submitted documentation showing canceled order supposed submit refund called back speak manager case stated dispute ruled favor charge removed card capital one removed purchase bill purchase adjustmentmerchandiserobert j posted fri purchased appears statement purchase adjustment capital one recharges amount transaction rebillmerchandiserobert j purchased thu posted mon purchased appears statement transaction rebill called capital one requested recharge stated visa ruled case pretended remove purchase knew anything case manager ruling favor

credit_card

forwarded message date tue subject please investigate comenity bank retailer card scam sent hello name scammed comenity bank credit card provider company childrens place new york forever victoria secret original credit comenity bank lower limit began charge overage fee along late fee began pay close attention card find limit also changed well incurring overage late fee reached company comenity bank stated would change credit limit original limit reached told summit payment account corrected comenity bank credit card impacted credit score plummeted negative status im currently paying price due corruption affected detrimental way debt due company charging overage fee well late fee even initial credit limit fluctuating tremendously company charge major fee account willing correct account nervous said attorney reason im reaching im employee company ruining credit plz help name contact info thank

retail_banking

forwarded message cc sent friday pdt subject final legal payment well fargo well fargo clearly wrong need look actually opened account see court hearing several different government agency reporting well including branch put open account numerous fraudulent charge debit card connected account clearly due fact well fargo maintain clearly required encryption card keep secure adding damage request small claim lawsuit time take away running business branch required come branch multiple time get fraudulent charge removed actually present strong case proper consumer protection agency well fargo immediately barred issuing account debit card insure agency card adequate prevent fraudulent use also requesting punitive treble damage sum hour take work handle lawsuit along legal cost filing lawsuit county small claim court today well fargo outrageous fraudulent conduct clearly warrant punitive damage also sharing every possible consumer protection agency find would think well fargo enough adverse publicity fraudulent conduct last year introduce small claim suit clearly establishing well fargo established business practice fraud customer ca judge really need reminded might want immediately run bonus payment legal department

credit_reporting

payment history missing credit report specialized loan servicing sl made mistake put account forbearance without authorization knowledge matter fact automatic payment setup month monthly mortgage paid full noticed issue account marked forbearance credit report tried get new home loan another new bank contacted immediately asked fix error provide letter detail please see asks forbearance issue seemed fixed however credit report payment history missing new bank able approve new loan issue missing payment history contacted specialized loan servicing time since phone ask sl thing report payment history fix missing data issue provide letter show account never forbearance payment history past month however waiting week countless email phone call talk multiple supervisor able get either one thing without issue fixed new bank process new loan application therefore need sl help immediately get fixed

credit_reporting

payment history missing credit report made mistake put account forbearance without authorization knowledge matter fact automatic payment setup month monthly mortgage paid full noticed issue account marked forbearance credit report tried get new home loan another new bank contacted immediately asked fix error provide letter detail please see asks forbearance issue seemed fixed however credit report payment history missing new bank able approve new loan issue missing payment history contacted time since phone ask thing report payment history transunion fix missing data issue provide letter show account never forbearance payment history past month however waiting week countless email phone call talk multiple supervisor able get either one thing without issue fixed new bank process new loan application therefore need help immediately get fixed

credit_reporting

payment history missing credit report made mistake put account forbearance without authorization knowledge matter fact automatic payment setup month monthly mortgage paid full noticed issue account marked forbearance credit report tried get new home loan another new bank contacted immediately asked fix error provide letter detail please see asks forbearance issue seemed fixed however credit report payment history missing new bank able approve new loan issue missing payment history contacted time since phone ask thing report payment history experian fix missing data issue provide letter show account never forbearance payment history past month however waiting week countless email phone call talk multiple supervisor able get either one thing without issue fixed new bank process new loan application therefore need help immediately get fixed

credit_reporting

va date complaint experian credit bureau involved decision maker stop cease retaliation discrimination abuse american taxpayer today experian blocked accessing free annual credit report adding restrictive discriminatory condition specifically many proof support fact subjected retaliatory adverse action experian credit bureau allowing participating causing damage financial reputation experian causing severe emotional distress experian impeded ability review credit report therefore anything negative report damage caused full legal responsibility liability experian excuse justify restriction website called condition experian put place experian experian involved decision maker must stop retaliation must pay huge legal consequence illegal act american taxpayer cfpb shall investigate experian unlawful practice reported cfpb several time past year reference experian credit report one previous year year several incorrect information experian insisted keep file within credit bureau named experian experian intent damage financial reputation fact proven fact damage already experian caused mu person please note experian response legal complaint used experian involved decision maker time court law stated herein current state belief knowledge understanding subject correction change kind time legal representative without waiving right circumstance digitally signed filed today within cfpb

credit_reporting

account reported abbreviated name full name servicer account transunion reporting date last payment reporting payment due account time however date inconsistent however transunion reporting date last active show show none date match activity payment made three bureau reporting high credit balance show transunion show amount violation failed addressed repeatedly amount match information reported percent accurately according law transunion repeatedly failed report account dispute removed account dispute comment company reporting account top invalid account number also listed authorized user considered account removed another account reporting listed authorized user considered account reporting high credit limit credit limit left transunion reporting high credit amount credit limit transunion reporting date last active reporting date supposed match since supposed receive exact information company date last payment transunion show date last active also show date last active date last payment show date last active date last payment none date company match reported accurately still also making payment account since paid far two year payment history even reflect none bureau reporting information verified account still reporting wrong making payment ever since company show payment history co however show making payment since reporting wrong show date last active transunion making payment account since however transunion reporting date last payment show last reported date show transunion show information inaccurate reported inconsistently three bureau verify information correct attached evidence refuse change company obligated fcra report information totally accurate severely affecting credit score equifax also reporting credit limit transunion reporting reporting high credit transunion showing three bureau reporting past due balance violation still corrected showing past due amount transunion show account already carrying balance reflect past due amount violation company refusing proper investigation error even asked method verification provide information requested allowed law request

credit_reporting

account reported abbreviated name full name servicer account experian reporting date last payment reporting payment due account time however date inconsistent however reporting date last active experian show show none date match activity payment made three bureau reporting high credit balance show experian show amount violation failed addressed repeatedly amount match information reported percent accurately according law repeatedly failed report account dispute removed account dispute comment company reporting account top invalid account number also listed authorized user considered account removed another account reporting experian listed authorized user considered account reporting high credit limit credit limit left experian reporting high credit amount credit limit reporting date last active experian reporting date supposed match since supposed receive exact information company date last payment transunion show date last active experian also show date last active date last payment show date last active date last payment none date company match reported accurately still also making payment account since paid far two year payment history even reflect none bureau reporting information verified account still reporting wrong making payment ever since company experian show payment history co however show making payment since experian reporting wrong experian show date last active making payment account since however reporting date last payment experian show last reported date experian show show information inaccurate reported inconsistently three bureau verify information correct attached evidence refuse change company obligated fcra report information totally accurate severely affecting credit score also reporting credit limit experian reporting experian reporting high credit transunion showing three bureau reporting past due balance violation still corrected experian showing past due amount show account already carrying balance reflect past due amount violation company refusing proper investigation error even asked method verification provide information requested allowed law request

credit_reporting

usdoexxxx account reported abbreviated name full name servicer account reporting date last payment equifax reporting payment due account time however date inconsistent however reporting date last active show equifax show none date match activity payment made three bureau reporting high credit balance show equifax show amount violation failed addressed repeatedly amount match information reported percent accurately according law repeatedly failed report account dispute equifax removed account dispute comment equifax company reporting account top invalid account number also listed authorized user considered account removed another account reporting listed authorized user considered account equifax reporting high credit limit credit limit left reporting high credit amount credit limit reporting date last active reporting equifax date supposed match since supposed receive exact information company date last payment show date last active also show date last active date last payment equifax show date last active date last payment none date company match reported accurately still also making payment account since paid far two year payment history even reflect none bureau reporting information verified account still reporting wrong making payment ever since company show payment history co however equifax show making payment since reporting wrong show date last active equifax making payment account since however reporting date last payment equifax equifax show last reported date show show information inaccurate reported inconsistently three bureau verify information correct attached evidence refuse change company obligated fcra report information totally accurate severely affecting credit score equifax also reporting credit limit reporting reporting high credit equifax showing three bureau reporting past due balance violation still corrected showing past due amount equifax show account already carrying balance reflect past due amount violation company refusing proper investigation error even asked method verification provide information requested allowed law request

mortgages_and_loans

beginning mortgage held mb financial mb mortgage portfolio purchased bank first quarter mb financial customer began fall behind mortgage payment due unemployment divorce house went foreclosure later sheriff sale home scheduled morning submitted hardship application end documentation specific date letter dated acknowledges application discussed next step never received written verbal confirmation regarding status hardship application day scheduled sheriff sale communication way sale never provided clear determination application made payment brought account current able taking loan group friend would lost home sheriff auction day sale received express mail letter dated date scheduled sheriff sale saying hardship application approved detail trial payment plan received letter timeframe required promised would take full loan friend would made required payment delay review option held numerous call since large payment told trial plan leading loan modification place payment plan fact made brought account current documentation effect extending one call confirm status mortgage department even made branch local branch manager line ensure misunderstanding aspect found process confusing told call branch manager participated could expect receive loan modification agreement end happen told subsequent call would receive end still happened week ago became concerned process might impacted covid pandemic call told loan modification going happen made payment bring account current never told conversation written communication since hardship application submitted end told would need resubmit hardship application go process approved would put overall timeframe modify mortgage nearly year assuming submitted took day review made monthly payment took another one two month get agreement hold two business significant financial responsibility unintelligent lacking understanding fiscal matter found experience absolutely frustrating held commitment submitting cfpb hope might rectify situation potentially others interim planning applying covid hardship forbearance separate reapplication hardship program

credit_card

called request new york state covid relief plan day interest fee waived amex provided relief leading late payment amex refused honor relief day gap insists charging late fee

credit_card

capital one secured credit account opened name closed outstanding balance never opened account knew nothing started receiving mail

credit_reporting

collection account acct opened balance account acct opened balance account

debt_collection

collection agency system inc mn phone sent letter regarding debt owe immediately sent system inc u postal certified letter stating owe debt contact certified mail claim disputed report agency resolved received letter system immediately responded received correspondence illigal practice system reported credit bureau consecutive month original letter responded copy certified receipt plus consecutive month past original letter system misrepresented information bureau date last payment thank

mortgages_and_loans

current loan provident funding applied refinance provident funding variable interest rate went loan applied refinance downpayment reduce depth also monthly payment locked interest rate day current payment going approximately provided income debt information provident funding provident funding play game interest rate arm went provided every information suspended loan application able reach mortgage broker always get voicemail responded email underwriter approving due ratio

mortgages_and_loans

current loan got deferment paid back credit history yet lost job due covid therefore asking original bank ally lower rate allow lower payment every bank offering applied full page document today still reply called time portal representative tell use work call get told need one piece documentation time refuse allow speak even email underwriter yet applying original mortgage one dedicated rep could communicate rep told yes document would word within day waited till called told go website told work read underwriter note documentation old would start

mortgages_and_loans

closed mortgage dovenmuhle mortgage paid full significant remaining balance escrow account waited refund check never arrived called dovenmuhle said sure check sent promised send waiting customary week processing business day delivery waited called back check never sent said could update new address phone email signed document asking updated mailing address asked wait day call back check asked overnighted agreed called initially said never received email resent two different email address eventually said found sure original attempt asked overnighted rep said needed manager approval meeting said call back manager called back left message saying check would processed within week mailed called back told way overnight asked manager put hold minute called back go entire thing asking manager put hold minute went automated survey disconnected waaaayyyy past day window refund escrow fund entire process unacceptable illegally hold money like

mortgages_and_loans

contacted bank america boa mortgage customer service number spoke representative discussed covid assistance option verifying account stated one option deferment agreed enter deferment stated month missed payment would added end current instructed watch mail written correspondence arrangement also would receive phone call mortgage department update covid need closer end deferment period xxxxxxxx received call mortgage division stated eligible deferment entered explained never agreed forbearance fact option discussed deferment entered representative wrote ceo boa received email resolution specialist called returned call call acknowledged incorrect information provided initial covid assistance call state fha offer option discussed option communicated option favorable place household financial bind restated offered deferment forbearance loan communicated option disclosed still would opted forbearance mortgage expressed planned escalate complaint felt bait switch situation question guideline call never mentioned anything loan type affecting coivd option state boa control must follow fha loan guideline plan touch based either friday early following week contacted fha resource line spoke state boa fha provides loan guideline hud website http tell mortgage holder contact mortgage company servicer yet providing false information impact finance million american

credit_reporting

xxxxxxxx credit card year disputed charge vendor xxxxxxxx said reversed charge pay charged late fee interest paying statement amount xxxxxxxx reversed late fee incident showing credit report late payment closed account year never paid late underpaid amount owed mostly kept balance

credit_reporting

xxxxxxxx credit card year disputed charge vendor xxxxxxxx said reversed charge pay xxxxxxxx charged late fee interest paying statement amount xxxxxxxx reversed late fee incident showing credit report late payment closed account year never paid late underpaid amount owed mostly kept balance

credit_reporting

error transunion credit report file number date issued score three error corrected one error working one error getting information error high balance credit limit disputed error transunion without result error transunion without result went step bank say highest balance please ask transunion fix write anymore letter spend anymore time hold telephone

mortgages_and_loans

converted lease vehicle three month lease end date sale dealer accepted deal including tax remaining payment existing lease deal work try convert lease vehicle sale office provide quote based current payoff amount car agreed bought vehicle problem sale manager dealer failed pay payment current lease instead paid two payment saying contract written manner checked contract paper nowhere mentioned converting lease vehicle new also financial document say current payoff amount much dealer agreed pay existing lease initially paid two payment ask benz financial service remove turn fee extra mileage called multiple remove well felt cheated deal providing proper information one payment need pay financial company also car sold used car knowledge

mortgages_and_loans

made extra payment may loan principal payment applied principal several extra payment automatically allocated late fee ally electronic payment system automatically allocates fund first payment second outstanding fee third principal ally policy state customer may request payment fund applied principal called emailed ally first time occurred stated would like payment allocated principal chose paying principal faster allows le interest finance charge time called ally would reallocated portion amount late fee principal process would also take long reallocation would cross another payment would call get payment allocated late fee principal ally would allocate le amount allocated stand ally applied account fund removed late fee reallocated account

mortgages_and_loans

originally reached well fargo apply refinancing mortgage currently hold submitted application paid upfront fee applied survey documentation paperwork completed loan submitted approval final decision forthcoming within week notified loan rejected due debt income ratio better credit score last approved le year ago since eliminated different monthly mortgage payment would reduce current mortgage year year p l reflects higher income current apr would reduced thank help

debt_collection

purchased laptop laptop damaged turned repair center full replacement insurance conns issued replacement laptop full warranty conns reported credit possessed laptop charged laptop contract since fighting get laptop possession conns credit report conns refused conns lied added additional contract agree another contract paperwork contract contract exact product contract unit charged laptop day conns settled matter sent collection settlement laptop possession conns laptop repair center never returned contract

mortgages_and_loans

trying close loan month provided income payment stub statement account tax form work employee also formally applied penfed loan number penfed asked provide proof precedence several deposit statement account deposit check one transfer account penfed asking provide invoice legal service rendered related check deposit registered account provide detail copy invoice provided service lawyer violate privilege none deposit exceed reported paid tax professional service rendered believe penfed going beyond needed evaluate income payment capacity

credit_reporting

got multiple account denial citing lexisnexis report ordering nexislexis report since never received copy disclosure recently month requested report paper application form submitted following inquiry lexis nexis informed mailed link download file however never received document consistent experience lexis nexis never received anything followed lexis nexis refused look file customer service agent constantly put inquiry loop request followed never sent paper work lexisnexis ignored complaint cold without consumer report right information violated severely company ca even get bank account us lexisnexis system

mortgages_and_loans

key bank covid ny heard stating day mortgage exempting people mortgage payment adjusting mortgage include payment back end measure reassessed end period said decided look mortgage holder key bank due loss work covid spoke representative stated would freeze interest would still accumulate month wouldnt late fee damage credit score individual went state month would tacked end mortgage term great news decided opt rep went state would send something mail pay attention system generating mailer notification something special freeze key bank received mailer decided open completely different info rep told thing writing v phone convo decided contact key bank assured rep told phone guy spoke told forbearance extension would expect month pay lump sum month missed told told something completely different first rep asked expect people need freeze pay everything one lump right freeze program best interest customer help unprecedented time lead believe finding werent freezing three month tacking end mortgage term told first rep asked removed program go back paying mortgage hardship loss work lack opportunity field due social distancing restriction ny state key bank doesnt customer best interest number sad heard bank extension online message board wanted bring cfpbs attention also reached governor people could really use extension hard time sad key bank doesnt really care truly help customer http

mortgages_and_loans

loan origination first continental mortgage company principal interest payment filed loan modification trial period principal interest tax hazard insurance paid trial payment subsequently approved loan modification new payment term changed year year property tax paid approved loan modification payment principal interest property tax hazard insurance made timely payment received letter property tax increased fact property tax increase county school tax record show property tax almost since house purchased first continental mortgage ignored information insisted increase first continental mortgage increased mortgage payment refunded escrow inquired refund stated property tax paid overage per law could keep amount escrow account said could put back ask another escrow analysis try reduce payment decided use money help assist monthly payment received notification mud tax department property tax delinquent logged account see total paid property tax indicating tax paid reached first continental mortgage informed delinquent notice expressed penalized mistake made paid delinquent tax bill escrow account opposed taking accountability error company absorbing cost received escrow analysis stating payment starting would unethical loan company increase mortgage payment manner someone experiencing constantly expressing financial hardship increase created challenge constraint meeting financial obligation severely impacted long history outstanding credit going span two year one income child financial responsibility reflect first continental mortgage responding ethically financial hardship loan modification year paying twice much origination loan highway robbery unethical illegal without refund mistakenly gave detestable threatens ability child home

credit_reporting

name last four s account number writing dispute late payment reported impacted covid virus hospital long time lost job spoke advised payment deferred get credit alert reported past due violation care act late payment need removed pay account full correct credit report remove erroinious late fee told provided protection care act failed adhere offered one called received written notice term deferred plan rely rep told thought protected need make right comply care act fix credit reporting remove late fee call done account negative told going forebarace would put account credit limit illegal credit ruined udapp violation care act violation

credit_reporting

name last four s account number writing dispute late payment reported impacted hospital long time lost job spoke advised payment deferred get credit alert reported past due violation care act late payment need removed pay account full correct credit report remove erroinious late fee told provided protection care act failed adhere offered one called received written notice term deferred plan rely rep told thought protected need make right comply care act fix credit reporting remove late fee call done account negative told going forebarace would put account credit limit illegal credit ruined udapp violation care act violation

credit_reporting

name last four s account number writing dispute late payment reported impacted hospital long time lost job spoke advised payment deferred get credit alert reported past due violation care act late payment need removed pay account full correct credit report remove erroinious late fee told provided protection care act failed adhere offered one called received written notice term deferred plan rely rep told thought protected need make right comply care act fix credit reporting remove late fee call done account negative told going forebarace would put account credit limit illegal credit ruined udapp violation care act violation

credit_reporting

name last four s xxxxmy account number writing dispute late payment reported kohl impacted hospital long time lost job spoke kohl advised payment deferred get credit alert reported past due violation care act late payment need removed pay account full correct credit report remove erroinious late fee told provided protection care act failed adhere offered one called kohl received written notice term deferred plan rely rep told thought protected kohl need make right comply care act fix credit reporting remove late fee call done account negative told going forebarace would put account credit limit illegal credit ruined udapp violation care act violation

retail_banking

negative transfer loading transaction detail paypal negative transfer paid balance transaction id seller info paypal note usd paypal posting date payment paypal paypal damage caused acceptable use policy violation

retail_banking

check issued company mother mother passed away soon thereafter power attorney deposited check electronically bank america checking account day died check cleared bank issuing company several day later also bank america account mother bank account locked bank america date death successor trust account established lengthy difficult process due covid restriction late bank america transferred balance fund mom original account new trust account amount transferred short exactly amount electronic deposit next several month spent many hour phone bank america refused provide information deposit refused investigate refused provide avenue resolving matter short going court compel cooperation check issuer provided electronic copy cancelled check proving fund withdrawn bank america account seeking return fund bank america fraudulently removed mother checking account reimbursement many hour spent attempting retrieve fund bank

retail_banking

sent message via secure message home banking chase bank asking process close account never asked effectively close account wanted know process evaluating changing another bank message chase inbox screenshots case tried access account va online banking account fund found chase employee answered message saying account closed sent check fund address never said wich address exactly also cancel possible transaction debit card contacted inmediately via secure inbox asked said mistake asked money saying really need never asked effectively close account also sent screenshot read asking process never gave consent closing bank account chase product answered saying sorry mistake sent check amount account address said exactly wich address also told like live check could arrive week answered inmediatly said mistake first place never asked gave consent closing account live chase branch wo even able turn check cash btw quaratine due asked repeteadly give real solution offer transfer money another account even activate account money could transfer another bank account answered saying check delivered take week arrive etc never gave real solution even recognize mistake close account money know sent check check arrives wo able turn cash chase branch live cuarantine due replied explaining situation also tried contact chase via see angry message http page answer please want money back transfer bank account give chase bank really need money ca wait week check wo able use chase employee made mistake thank advance helping solve soon possible regard

debt_collection

went store wife buy salesman offerred u special joing special buying special would install system free would pay basic service considered young son watch cartoon basic service watch premium service explained first bill would reflect fee totaling pay would rebated service would thereafter installed system first bill received almost twice agreed upon called dispute sitting hold hour waiting various people help apologized said would corrected next bill next bill came also twice represented called dispute sat hold hour point said could discus account delinquent paid amount month told amount would corrected next bill next bill came even higher called complain sat hold hour told would escalated corrected told could correct constant billing error take back equipment cancel service apologized profusely assured time would corrected never next bill came like others twice represented sat hold hour told could discus account delinquent paid amount month told amount would corrected next bill next bill came finally month correct amount would last month next one came double back xxxxmonth past due new regular monthly job waiting hold hour time feeling like straight defrauded shaken every month needing multiple long call contacted speak manager defrauded filled dispute form told could help contract actually division especially need contact contacted told exact opposite phone call hour plus phone call disconnected transferred hung afte waiting ended told could help call given final notice service would terminated owed double charged double paying almost year point called another call told come pick equipment defrauded want service anymore said would send someone pick equipment usual never said one showed disconnected service said owed somehow day later bank checked credit shock showed collection defrauded also ruined credit

credit_reporting

entered settlement agreement behalf client credit card issuer american express see attached letter paid settlement amount full received notification american express account settled full see attached letter amount settlement withdrawn bank account via american express see attached bank statement american express sent letter account settled full additional charge due see attached letter american express sent amount debt discharged irs see attached form american express still reporting credit bureau delinquent account still owed discharged amount lodged dispute denied see dispute attached point time paid american express month ago yet still report owing deliquent thus affecting credit

credit_reporting

entered settlement agreement behalf client credit card issuer see attached letter paid settlement amount full received notification account settled full see attached letter amount settlement withdrawn bank account via see attached bank statement sent letter account settled full additional charge due see attached letter sent amount debt discharged irs see attached form still reporting credit bureau delinquent account still owed discharged amount lodged dispute denied see dispute attached point time paid month ago yet still report owing deliquent thus affecting credit

credit_reporting

entered settlement agreement behalf client credit card issuer see attached letter paid settlement amount full received notification account settled full see attached letter amount settlement withdrawn bank account via see attached bank statement sent letter account settled full additional charge due see attached letter sent amount debt discharged irs see attached form still reporting credit bureau delinquent account still owed amount lodged dispute denied see dispute attached point time paid month ago yet still report owing deliquent thus affecting credit

credit_reporting

entered settlement agreement behalf client credit card issuer see attached letter paid settlement amount full received notification account settled full see attached letter amount settlement withdrawn bank account via see attached bank statement sent letter account settled full additional charge due see attached letter sent amount debt discharged irs see attached form still reporting credit bureau delinquent account still owed discharged amount lodged dispute equifax denied see dispute attached point time paid month ago yet still report owing deliquent thus affecting credit

credit_reporting

open account acct opened balance account acct opened balance account closed account acct opened balance account acct opened balance account acct opened balance account acct opened balance account acct opened balance account acct opened balance account acct opened balance account acct opened balance account acct opened balance account acct opened balance account acct opened balance account

credit_reporting

open account acct opened balance account acct opened balance account closed account acct opened balance account acct opened balance account acct opened balance account xxxxxxxx xxxxxxxx acct opened balance account xxxxxxxx acct opened balance account acct opened balance account acct opened balance account acct opened balance account acct opened balance account acct opened balance account acct opened balance account

credit_reporting

open account acct opened balance account acct opened balance account closed account acct opened balance account acct opened balance account acct opened balance account acct opened balance account acct opened balance account acct opened balance account acct opened balance account acct opened balance account acct opened balance account acct opened balance account acct opened balance account

retail_banking

original message sent bank subject general account question hello wanted know met condition bank bonus account thanks help original message sent subject general account question dear thank cash bonus inquiry showing promotional code added mychoice plus checking interest account review promotion show special promotion offer person receiving promotion qualified bonus result unable offer promotion apologize misunderstanding copy promotion name address please bring branch additional question please email contact telephone banking center representative available monday friday saturday sunday et thank banking original message sent bank subject general account question hello thanks prompt response applied account targeted language application bonus option open branch promotion code application entered zip code condition listed open mychoice plus premium checking account receive sign bonus set qualifying direct deposit within day account opening promo code link application page used http please double check information end check supervisor thanks attention matter customer servicetoxxxx subjectre general account questionmessagedear thank reply promotional offer direct mail email bank must name listed show name direct mailing email offered offer therefore unable offer promotion apologize misunderstanding additional question please email contact telephone banking center representative available monday friday saturday sunday et thank banking original message sent bank subject general account question please open link read information opened account http condition offer make mention direct mailing etc please show information missing something code attached application automatically added filled information original message sent subject general account question dear thank cash bonus inquiry unfortunately due security concern unable open access link included email understand frustration caused however necessary visit local branch assistance cash bonus request additional question please email contact telephone banking center representative available monday friday saturday sunday et thank banking original message sent bank subject general account question link website honestly http filing complaint consumer financial protection bureau customer servicetoxxxx subjectre general account questionmessagedear thank cash bonus inquiry forwarded message appropriate area review expect response concern shortly thank banking correspondence acknowledgement email office president viaxxxx action dear valued customer wed like confirm received correspondence currently researching concern appropriate area please know respond concern writing sending secure address contacting phone additionally part research resolution might need contact question meantime feel free reply call u sincerely voice customer htoweb replysubjectre general account questionmessagehello month since last communication regarding issue heard outcome review appropriate area please let know would like proceed sent tuesday office president cc subject correspondence acknowledgement email external email use caution trust source clicking link opening attachment dear office president bank almost month since last communication heard anything hoping could resolved without letter consumer financial protection bureau please let know would like proceed copy communication one customer service representative including link website original condition checking account bonus hello thanks prompt response applied account targeted language application bonus option open branch promotion code application entered zip code condition listed open mychoice plus premium checking account receive sign bonus set qualifying direct deposit within day account opening promo code link application page used http please double check information end check supervisor thank customer servicetoxxxx subjectre general account questionmessage dear thank reply regarding cash bonus inquiry please assured forwarded reply appropriate area review thank banking

debt_collection

signed lease company called illinois end lease charged moving outstanding balance sent requesting proof damage documentation fee heard reply month later receive notification account collection item never received phone call mail collection agency called collection agency kept putting hold hanging moving date realty company notification

credit_card

issue concern discover credit card security deposit supposed returned yet receive nearly two month received email indicating became eligible security deposit returned form physical check security deposit discover indicated email receive check mail business day amount action needed part check mailed presumably mailed time frame received check mail going business day stated initial email contacted discovers support team via discover mobile app connected support agent named location stated check processed one day received initial email take day received know letter initial email sent said business day im sure sorry stated still received day contact responded asking quoted business day initial email replied usually take business day take day day stated initial email chat sat idle got disconnected contacted reached agent via app shortly disconnected stated discover today forward information investigation resend security deposit never received information would sent via apps secure inbox platform via email transferred another support agent reached stated check usually take business day arrive business day figure slightly inconsistent business day quoted elsewhere concern relatively insignificant stated discover must allow day resending check account possible mailing delay statement indicated day initial processing date per discover would able resend check word statement led reasonable conclusion check would resent mailed later shown incorrect later support agent would go detail lengthy investigation process required mark check would resent investigation complete certainly could resent suggested asked confirm mailing address transferred another agent reached stated mailing address typed matched one file stated check requested contradicted indicated said havent received within day date request new check reissued one stopped led reasonable conclusion new check would requested prior statement indicated check could mailed mark mention intervening investigation process also failed mention investigation process without knowledge process took requested mean resent mailed may unaware intervening investigation process assumed already informed process intended word requested indicate launch investigation process concluded would lead check getting mailed thus conversation led believe check would either reality would later discover would point investigation would launched check would mailed contacted discover via app connected day since check first wanted update check resent day stated sent information department arrange deposit resent requested deposited checking account file statement led believe mark discover would initiate direct deposit checking account lieu physical mailed check asked long would take see fund account responded would need review information old check befor e resent day first time heard process phrasing indicate would significant amount time made reasonable conclusion meant say direct deposit would initiated business day mark meaning would see fund bank account hindsight broken english made ask clarification confirm meant direct deposit would initiated mark rather would begin review information contacted support via app confirm direct deposit initiated reached utah stated set investigation security deposit mailed take day statement extremely vague wasnt sure whether meant investigation would take day investigation would take day mark check would take day arrive mailed conclusion investigation process later conversation discovered none assumption correct conversation continued picking previous conversation asked mentioned second check getting mailed previously stated would receiving via direct deposit replied sorry information received previously know must frustrating unfortunately able direct deposit security deposit return check must mailed thus given incorrect information furthermore requested deposited checking account file claimed responsible department would told possible thus either never submitted request submitted informed possible failed notify informed support time instead five day later proactively contact also stated department check must first research first check cashed reissue new check take business day first genuine mention investigation lengthy process rather quick somehow investigation process mentioned prior support agent mind review process begun concluded business day later check stated check reissued review process take additional day check arrive previous support agent indicated mailing time would anywhere business day conservative factoring potential gap date issued date mailed previous agent indicated would receive check mailbox within business day yet another example contradictory information provided support stated submit new check request previously day passed im happy take care since mark either incorrect prior conversation point process commenced even genuinely believed mark reached commenced investigation without needing proactively contact zero accountability nothing happens process unless hold hand like child tell without constant prodding case would inevitably get lost discovers support staff asked confirm address request new check finally submitted pending review process responded explaining upset entire ordeal responded send initial check knew check mailed also known mark would reached somehow failed initiate review process conversation despite knowing mark reached contradicts assertion mark reached time prior conversation state check arrive later claim seems following maximum mailout time suggesting new check getting mailed today contradicts earlier assertion review process maximum business day would need conducted check mailed prior agent contradicted somehow managed contradict point still unclear whether receive check later later factoring maximum business day investigation process supposedly initiated contact support via app seeking status update since confident actually initiated request reach delaware asks referring check requested sent back responds certainly understand concern check sent back implies second check already mailed already passed review process reiterates arrive later maximum window mind implying check mailed either review process took le day unlikely given maximum two week check mailed day requested ignorantly parroting rule skimming past conversation ignoring lengthy review period asked clarification despite implying check mailed contradicts stating review process ongoing discover find first check wasnt cashed theyll send another check take bit time investigation since review process began today would two business day maximum day investigation contact support via app seeking update since business day review process indeed began investigation given track record lacking accountability wanted confirm review process begun reach delaware say see check requested contradicts assertion check requested however state delivery time could take day mailed expect new check within calendar day given two aforesaid statement seems implying check mailed contradicting claim request submitted optimistically believe point check indeed requested review process also began day review process ended quickly check mailed simply conflating requested mailed respond saying review process ended check also mailed day reply yes mailed despite ashleys unequivocal statement check mailed contacted support via app reached stated previous check stopped team review check sent information issue new check please allow day delivery receive please let u know seems implying request new check submitted instead check actually getting mailed contradicting quoting maximum delivery window considering established rule implies check wasnt mailed another example agent contradicting contact support via app seeking update reach state check sent please allow day receive stating wasnt sent directly contradicts implied mailed outright stated mailed transferred another agent transferred utah state check resent contradicting lining claim asked stated check sent week prior dismisses claim stating discrepancy vague excuse may concocted noticed spoke saw check mailed two day later hence discrepancy however doesnt make sense since simply confirming check mailed prior agent action taken either crafted discrepancy lie place real explanation failed check mailed wasnt mailed prodding prompted check mailed latter case thus lying stated mailed indeed handled went depth explaining conversation state check mailed state sorry incorrect information provided show check mailed asks confirm mailing address recent claim day ago point abundantly clear receiving check cycling discovers vacuous support agent wont anything change find hard believe discovers staff incompetent concerned may story given immense financial strain put consumer financial firm discover ongoing pandemic fearful could victim form impropriety remain optimistic case continue pursue possible avenue made whole opted attach screenshots conversation support due large amount personal information scattered throughout provide cfpb discover upon request

mortgages_and_loans

original mortgage taken sold loan servicing company divorced service member year marriage received home divorce via quitclaim deed child support received full first year single mom demanded intervention employer unsupportive time combined sudden loss child support payment fell behind mortgage payment hardship began loan modification company still difficulty paying mortgage struggled fall realized essential repair could afford combined monthly expense could handle property filed deed lieu foreclosure loved house emotionally physically financially could anymore wanted right thing want go foreclosure lost job completed paper foreclosure someone approached interest house name broker could handle short sale loan servicing company point deep shut met broker broker said could stop everything short sale late would handle everything broker became sole communicator person interested property loan servicing company title clear home checked clear month go person interested left another interested party found broker continued tell problem title working argue question point deteriorated summer hospitalized also served foreclosure paper hospitalization began question broker bank going told house longer name transferred secretary va broker continuing try sell house claim original filed county clerk deed transferred secretary went back college summer one professor attorney contacted broker bank last full payment made account recorded contacted va said deed transferred back loan servicing company may contacted someone loan servicing company paper landed desk wanted know wanted emphatically told wanted completed loan referred another attorney foreclosure spoke several time attorney handling offered cooperation desire completed last year every single month loan servicing company reported late payment credit ruined unable find attorney willing represent case tried repair credit perfect payment credit card car loan paid car early settled two small debt score rental agency use determine eligibility horrendous barring living anywhere decent loan servicer still report late late fee interest past due payment accruing many year still contact several time per week idea credit destroyed year year worse allowed home go foreclosure ca even get loan

credit_card

second complaint first responded resolved hold payment day made via capital one app capital one bank account capitol one credit card day especially payment capitol one capitol one check clear business day hold direct transfer follow guideline making payment time ahead time account capitol one capitol one via capitol one im asking credit im asking hold released payment whatever flag account taken tell actual reason instance payment triggered flag operation day hold general information according paperwork follow procedure exactly absolute non response issue made payment time well ahead time via capital one bank account manner since acquired credit card capital one nothing agreement would trigger hold account day hold applying payment cleared capital one bank account capital one credit card paid via capitol one app reasonable rational action asking credit increase payment asking expecting payment applied timely manner issue length hold total unresponsiveness issue well fact since hold long affect credit score seen utilizing entirety line credit even though paid fair response consumer hold also caused undo stress lost time due fact relied upon card pay monthly bill check account adjust accordingly hold account plan reissuing complaint address complaint applying payment timely manner fact payment company ecosystem

retail_banking

usaa punishing customer closing account reporting unrecognized charge usaa froze money account without notice ceo office stated would closed day false told must wait day get money back federally protected due va benefit fcra right violated usaa due giving false information would appreciate resolved quickly possible due financial hardship causing especially related

debt_collection

left apartment charging u usage credence collection agency copy email attached emailed flag case back cease communication regarding matter received another bill dated see attached case case identity theft may call apartment verify left place number

mortgages_and_loans

opened home equity loan tcf never missed time payment tcf taking monthly payment automatically account year tcf cancelled automatic monthly payment payment due without knowledge consent causing tcf default received recent loan statement amount due basis bill repeatedly tried contact tcf phone number provided left hold hour tried multiple time get loan place since initial amount approximately year outstanding principle showing made payment time never late payment amount include additional insurance paid month well year approximately applied toward principle seeing loan statement maturity date loan senior length loan ludicrous year would even alive long pay

mortgages_and_loans

within day closing told using lender would cause purchase agreement price go even appraisal done also give option purchasing loan without pmi said absolutely possible loan le include pmi forcing choose product want signed contract sale consultant told use lender losing incentive closing cost

credit_card

made transaction transaction id using discover business credit card t duplication reported delivered service promised resolve dispute fairly took discover dispute dispute still open filed dispute discover dispute transaction amounting made merchant name transaction reverted discover disputed emailed stating reported unauthorized activity discover card wrong never anyway provided detail wanted query basis applying claim meantime reopened dispute still open write discover rejected dispute without mentioning reason document sent stating based document provided merchant dispute denied letter attached saw transaction amounting reverted called discover dispute department spoke told according merchant take month get revenue marketing upon told month told upload related document discover online dispute section aptly along letter specifying call data min asked received letter email notification reversal said already sent letter told never received letter mail email receive two letter one dated stating reversal disputed transaction second letter responded rebuttal said thing without specifying reason mean claim pending royalty response prove wrong either baseless effort mislead case dispute supporting document attached also include rebuttal stated transaction never disputed unauthorized plain simple paid credit card protection case delivered service credit shield protect fraudulent financial merchant called discover helpline spoke dispute department called pm est spoke minute entire conversation filled inconsistency informed case closed although show open discover online platform screenshots evidence additionally upon asking reason closure discover specified letter sent first asked dispute told receive royalty according agreement uploaded document requested earlier responded discover deal royalty claim said asking pay royalty asking transaction made refused satisfied service delivered made transaction good faith receive service could respond royalty reason rejection said according document provided agreement say could file refund mentioned received service paid owner discover credit paid transaction satisfied feeling forced accept service pay discover bank favoring merchant abusing credit line without authority satisfaction refund clause order progress order completed could deliver legally liable charge service availed outright unethical illegal force pay something promised later date delivered paid reason forced discover pay think power violate consumer credit right told say discover acknowledging claim merchant royalty deny document directly rightfully addressing claim plausibility told recording conversation report violation cfpb responded whatever want still pay something avail credit line nothing protection coverage misuse transaction last least reversed two transaction amounting claim dispute case right case wrong discover supposed decide policy consumer credit right feel free agree reject based legal parameter liability

debt_collection

got turned made impossible work day knowing time received check mail go deposit say loan interest control sometimes get paid last person get paid transaction close additional governing factor make easier company would start calling whenever payment late first day past due date time day asked contact however never honored request communication became literal harassment yet office never available communicate sent account attorney served civil warrant attempted talk attorney office separate occasion asked negotiate amount owed told contact company call company negotiate amount owed even attorney never attempted negotiate amount company never provided term loan writing intentionally make hard pull credit every month intentionally damaging credit told give permission pull credit said right absolutely crazy pay still pull credit like wo negotiate lesser paid full balance everyone negotiates outstanding balance say term provided much damage choose literally company malicious mortgage lender would soft pull damage person credit intentionally trying continued damage even continued make hard pull credit even sent attorney even though say allowed talk seriously someone need review small company people

credit_card

american express reduced credit limit without valid justification advance notification spoke rep stated reason credit limit reduction due increase balance true based credit report provided american express rather reduction balance accts shown rep changed position stating decision made due balance american express account increased yet available credit remains stated took advantage promotional rate american express offered reason paying significant amount towards balance also always maintained good standing account american express failed access credit card member decided looking american express account proper way ass someone credit worthiness cfpb financial regulator encouraged financial institution help work customer meet need around urgent situation american express business practice reflect effort instead helping working card member american express chose create hardship knowing may bring financial uncertainty many member could experience loss income due illness workplace closure also spoke supervisor rep could provide valid reason could help lack knowledge lack customer handling skill also failed deliver fact proper training urgently needed many large financial institution diligently customer going tough time american express chose rather create hardship customer given urgent situation

credit_reporting

credit pulled lender preparation buying home upon conducting credit inquiry lender informed derogatory remark credit citi bank charge card transaction airfare billeting responsible called citi bank call duration called citi bank inquire derogatory remark confirmed address stated would send aware document trying find resolve issue never sent documentation previously called citi bank call duration called citi bank inquire could resolve lender informed similar filing bankruptcy singular basis one specific debt result derogatory remark one credit called citi bank call duration called citi bank asked speak fraud department told calling notify needed help disputing fixing inaccurate derogatory remark credit person spoke told responsibility refused allow dispute asked speak supervisor said would manager call back within missed call citi bank fraud department called citi bank call duration called citi bank back spoke representative name told would fraud dept manager call back within hour citi bank called duration fraud dept called back informed manager would calling back recovery dept matter provided recovery dept information called citi bank call duration called recovery dept spoke recovery dept representative sp notify disputing needed help removing inaccurate derogatory remark credit history rude uncooperative specifically told citi bank would help resolve matter asked supervisor transferred supervisor named claimed employee number also conveniently current home residence apartment number claimed correct protocol contacting citi bank regarding matter already sent would need contact three credit bureau directly notified multiple time formally disputing responsibility fraudulent credit reporting resulting derogatory remark told would anything would open investigation asked supervisor informed would call back within incoming call call duration spoke employee id told help already issued explained due matter irs despite never financial responsibility begin

mortgages_and_loans

leased car toyota successfully paid lease payment time except technical glitch system payment immediately despite report account credit bureau went return car xxxxxxxx tried lease another car inflated rate declined refused take back delivery vehicle saying due covid parking space available asked come back end space told wo pay additional lease want keep car anymore car leased mile year availed tenure car returned delivery document also received received letter toyota returend car charge paid frivolous made charge never agreed time reaching toyota phone online portal never attend call name covid even return call call twice collect car never showed send another fraudulent bill adding lease termination charge fact lease came end payment made time outsanding lease lease termination article toyota exploiting customer name covid http internet flooded toyota fraudulent malpractice blackmailing consumer continue taking vehicle slap never agreed charge never applied lease extension fact pay three month insurance want toyota pay toyota harrassing spoiling credit history credit bureau wrongfully fraudulently manipulating contract ended reopened extortive courtesy credit union toyota lillegal acitivities http http

mortgages_and_loans

got letter property tax delinquent county called phh mortgage see happened check money taken escrow account told dispersed called told call back friday called talked sent escalation manager said would make top priority needed called left voicemail said needed talked connected another escalation manager told would take case wanted fax copy delinquent tax statement called county fax could email called left message emailing copy statement called get email could send tax statement called back email address sent tax statement called update could connected representative covid virus called update still could connected representative emailed request update still response update

mortgages_and_loans

paid remaining balance account credit account due promo payback credit offered time opening account interest paid full loan amount called customer service number inform company still received check credit representative insisted check sent mail receive business day called question happened check supposed mailed home address representative told unsure happened would put investigation determine going told would receive call back within week call figure going told check sent cashed account let representative know account exist state told picture check signature asked picture sent via email told possible could receive copy mail business day today date yet receive refund image check representative told nothing could would cancel first check send new one told file police report thought someone took check mailbox call try sort happened report fraudulent activity told account number check signature employer account personal checking account

credit_card

purchased item found charge receipt blank expected charge approximately statement showed charge opened dispute citi costco card via website dispute letter explained dirham incorrect could supplied list item purchased letter transmitted via citi website periodically checking citi website response progress dispute found update citi explaining dispute resolved merchant favor due u responding citi request information transaction made several call citi billing dispute department explanation told email sent u requesting information disputed transaction informed citi receive email asked post request website citi personnel answer citi personnel could tell u original dispute documentation letter hand whether email asking additional information citi personnel told u nothing could required follow visa rule two call made visa customer support suggested visa guideline rule set bank bank free reopen dispute pulled email old unused email account find email citi dated however encrypted pdf form good hour could read citi personnel could tell u letter call back citi personnel information visa rejected told following visa rule could reopen dispute asked could contact citi letter given address costco took time costco local store administration regional citi card employee contact u letter file matter said nothing could could explain citi post letter website feel citi acted inappropriately communicating u dispute initially closing via website altered communication email email received could read told existence

mortgages_and_loans

family hardship paying mortgage applied modification received one due discrepancy investor agreed defer principal end loan year term allow affordable mortgage payment approximately month year worked year later due loss family coupled others loss income caused another hardship contacted servicer time aurora informing representative underwriter agreed modify term allow payment lower temporarily monthly payment lowered approx month week later contacted aurora representative expressed concern modification executed told processed one day followed told new servicer nationtionstar contacted nationstart told reapply modification apply month later receive modification offer twice triple family total income call inform aurora state told reapply modification cycle repeat housing advocate submitted escalation alleging failure honor agreement breach oral contract provide affordable modification agreed caused financial loss date o water fall option violation term agreement treasury date agreement housing counselor attempted file escalation request rscaltion yeam returned due closure department told may internal department may process request filed request date yet receive response meanwhile sent u letter denying request honor investor agreed back reoffer modification addition senior medical condition doctor state put u risk receiving last letter fear bring foreclosed street pandemic giving u much opportunity survival assistance urgently needed

retail_banking

opened checking saving account suntrust bank ending transferred checking account suntrust bank checking account ending transferred checking account suntrust saving account ending transferred checking account suntrust bank checking account ending transferred checking account suntrust bank checking account ending made deposit primary checking account via online transfer suntrust bank checking account saving account suntrust bank account ending frozen explanation leaving access fund account called suntrusts bank customer care call center numerous time spoke several staff representative told provide additional information except account frozen set closed also reached branch manager suntrust bank md location told receiving letter mail pertaining matter provide detail throughout attempt rightfully gain access fund cut short hung multiple time suntrust bank call center still yet receive letter mail suntrust bank detail contact information department assist releasing fund day pandemic survival questionable scariest moment income job unemployment assistance due unforeseen circumstance greatly impacted ability function survive unfortunately one suntrust bank seems willing help obtain already mine money

mortgages_and_loans

applied mortgage currently serviced bb loan officer handling request nmls id expeditiously submitted financial information requested told part approval process would need submit ledger checking account activity order apply monetary gift family approval process loan processor sent notice via email submitted underwriting hearing nothing week told could approved longer interested financial institution processing within day patient almost time period resolution emailed processor longer interested loan since taken long immediately emailed back confirmed would like end loan process confirmed ok good one received statement credit denial bb dated called indicated loan application withdrawn confused mentioned credit denied gift letter attached application time confirmed loan withdrawen complaint tell gift letter required compliance approval told checking account ledger would work email attached given correct information point would immediately withdrawn loan tell requested loan application withdrawn essentially late point apparently already submitted final approval action lack information false information harmed denying credit loan longer wanted harm credit rating ability receive favorable consideration future credit application

mortgages_and_loans

fire house saved experienced damage insurance carrier prompt great job sent check window melted damaged made chase bank mortgage holder check chase endorsed check applied pressure work completed vendor paid work insurance company sent check additional work including wrought iron fence work including cleanup le disruptive vendor always show late held check window done took proof chase office chase want deposit fund internal account make go process everytime someone need reimbursed put necessary burden family especially time owe current value house chase made payment time want money held escrow account put additional burden stressful time reason given percentage ownership property well payment history

credit_card

paid hsbc credit card said would send paid full later recurring charge came hsbc paid never notified paperless billing acct closed added late fee told interest another late fee added point around got bill interest late charge bounced repeatedly next csr collection csr back got fed paid hsbc collection said would refund late interest nothing writing say check sxxxx payment issue pay one reason closed hsbc account hsbc would post debit right away wait day post payment believe rack interest charge meantime close account right away took debit charge immedtly

credit_reporting

ran credit equifax reporting information first time heard come equifax called equifax multiple customer service agent spoke showed fact showing hard inquiry however received copy credit report received learned reporting credit score credit report credit information equifax showing credit score credit report credit information

credit_reporting

hello name trying reach several time get problem fixed receipted response far wrong adresses employment information exist credit account year addition also derogatory information appear credit report belong business address employment information need removed info priority expedite reported ar ar

credit_reporting

hello name trying reach several time get problem fixed receipted response far wrong adresses employment information exist credit account year addition also derogatory information appear credit report belong business address employment information need removed info priority expedite reported ar ar

credit_reporting

hello name trying reach several time get problem fixed receipted response far wrong adresses employment information exist credit account year addition also derogatory information appear credit report belong business address employment information need removed info priority expedite reported ar ar

credit_card

duplicate complaint two complaint bank bank processed payment un bank account without authorization signing covid hardship agreement almost week agreed schedule automatic payment every month month doesnt make sense sign hardship agreement reduce payment dollar month authorize take checking account dollar hardship contract say first consecutive payment dollar delete late payment fee called said like removed late payment fee month open account thru comenity bank credit limit used full dollar sign promotion paid full amount one year later put interest charge loan first year could pay total dollar first year started applying think interest today year paid dollar balance equal plus interest late charge course month find balance account making easy number process charging extra dollar think amount completely exaggerated year opening credit today called ask reduce total amount due coronavirus wife working denied put special plan reduce montly payment charging month per cent promised remove late charge call recording saying consecutive payment late charge remove called denied removed late payment way lying saying month recording hear call anyway dont think adding adding debt exaggerated think going law please help people please please thank

credit_reporting

old debt credit file requested three credit bureau delete account credit file agreed deleted account experian delete account credit file even though experian fall date currently applying loan time essence need experian delete account credit file see reason experian would accommodate delete file per request especially since account deleted per experian report help much appreciated direct request experian successful thank

mortgages_and_loans

entity servicing loan behalf hereinafter called lender company give detail contact information statement entity servicing loan name address phone number see previous case

credit_reporting

anyone us credit report another consumer report deny credit must tell give name address phone number agency provided right dispute inaccurate incomplete information right know credit score public assistance applied fha rehabilitation home loan sent original document lending business told front receive ssi let know front law state fha k rehabilitation home loan credit worthiness checked rent payment utility bill showing payment history able make repayment time also nc able account used qualified housing expense summit funding nc complaint nmls id assistant summit funding credit worthiness require determination applicant ability willingness meet debt obligation ability income availability reliability ability willingness pay critical credit worthiness approval filling discrimination suit already fraud alert report filed complaint separate case prior unethical real estate business practice stealing guilty identity theft identity fraud xxxxs nc complaint case ref took half year clear credit debt debt feel credit report misused credit score reading credit filed separate complaint illegally used named used real estate fraud billing fraud contact resolved yet recently two week ago around would give accurate credit score feel still fraudulent activity score cleared identity theft identity fraud locked account unable see credit score individual illegally using credit data account criminal activity personal profit must held accountable fraud fraudulent activity debt always pay bill rent time obviously get credit card supplemental security income nc able account allows pay save qualified expense housing transportation expense victim fraud ever allow individual continue illegal business practice recently complaint discrimination suit summit funding nmls assistant provided thorough original document needed complete fha k loan rehabilitation federal housing urban development program fha program person low low income summit funding inc state equal lending agency case first never returned call took week already work buying house help revitalization program federal law mistreating people financial circumstance different based equal fair lending practice follow law business practice make official determination loan approved work loan officiers talking abruptly rushed phone already explained concern proof credit worthiness requirement go fha k loan first time home buyer said use use credit requirement changed due co vid let know case loan fha k based equal fair lending ethical practice credit check non conventional based ssi recipient even tell credit score went say fha loan explained fha k fha completely different said credit requirement changed legal reason laughed said credit union nc maybe layover credit union layover credit check said get premier credit card obviously lack knowledge experience legality equal fair housing business practice ignorant type people different circumstance even apply credit card low income ssi defeat purpose hypocrisy whole point main reason hud program made person lender supposed loan officiers running illegal scam scandal using fraud following job duty equal fair housing federal state law unfortunately deal individual want quick pay check want deal easy follow law according specific loan serve want borrowed time malpractice go whole establishment fha k put loan person unfair unethical business practice called real estate malpractice must report file complaint suit even though still good employee hard working american every field every industry always degenerate think scheme whatever way wo follow set rule guideline even law govern protect people degenerate completion help way waste time waste company work summit funding inc filling discrimination suit need credit score checked credit file sent debt account feel since case credit report ordered paid well someone fraudulently changed credit score right get accurate score

debt_collection

consumer collection mana placed account credit report amount original lender following information listed reported amount past due account type credit limit payment information never heard never received written communication allowing opportunity request vod mine apply credit somewhere properly billed send supporting document please never contacted writing negative mark credit

debt_collection

creditor refuse provide income statement account receivable account payable

mortgages_and_loans

deceptive lending practice made personal loan one main financial rate apr never missing payment never missed payment initially due pandemic reduction income request interest reduction agreed reduction would truly interest deduction form trick would add interest principle balance thus approximately party agreed interest reduction agreed upon interest rate made payment newly agreed upon one main financial source way increase rate payment lender attempting increase back one main financial state increase related state afford original payment stated unhappiness omf requested loan payoff total upon omf increase interest rate back requesting remain day last payment making month payment one main financial claim owed approximately original amount loan addition one main financial elect make comment credit report rate reduction agreed

mortgages_and_loans

end term final bill dated received via usps charging exterior damage include substantiating documentation kind detailing type damage necessary repair repair statement included photo mechanic documentation would substantiate charge document indicates page documentation excluded error call lease end team resulted assurance could gotten information requested online making consumer responsibility get information provided finance company substantiate invoice

debt_collection

enhanced recovery company debt collection company placed collection notice credit rep ort without letter notification advising alleged debt impression collection company required first send letter giving respondent day dispute debt company never knew collection appeared credit report

mortgages_and_loans

executive summary citibank making impossible pay trivial balance refusing supply address send check even valid phone number receive information instead adding late fee collection fee since seems somewhat incredible providing detail trying month resolve thanks help offer greeting despite fact maintain good credit rating citibank suddenly informed cutting overdraft credit line attached checking account checking plus amount outstanding trying week get citibank supply address may send check remaining balance approximately since citibank severed online banking access longer confirm exact amount look account still see balance reading longer call account rate decided close checking account able citibank online chat function since repeated attempt telephone failed transferred existing checking balance credit credit line asked agent pay remaining amount already paid remaining balance trivial note able pay amount transferring checking acct balance account closed avenue payment longer available responded follows give call custom credit department done instantly direct number please contact one stop sale unit asked know exactly payment may transmitted responded call pull fund bank account also send check kindly call tell specific called number directed none menu option pertained task went alternate path repeated attempt eventually managed speak someone however unable understand name instructed call collection account terminated referred collection told number call repeated make sure correct also affirmed late charge collection fee added balance phoned number recording said number tried several time point dead end citibank making literally impossible pay trivial debt adding late fee collection fee implore whatever help thank p matter loyal citibank customer since first new york washington dc forty year assure count nothing naturally also attempted pay bill online citibank site responds message account detail activity information available closed

credit_reporting

experian reported point loss credit score without reason

debt_collection

fidelity capital holding inc acquired consumer credit card debt revolving account used account year account originally charge account three year fidelity purchased debt last year notified would sue court date would however filed default judgement levied asset checking saving account yesterday leaving dollar checking saving account taken single mom money pay mortgage pay non mortgage expense utilitiesx hoa gas food ineligible public assistance middle wage earner afraid due size levy next direct deposit seize money unamerican egregiously wrong think predatory purchased consumer debt called several time levy would negotiate payment plan supposed please extend retroactive moratorium non federal consumer debt collection levy garnishment egregious predatory company respectfully submitted

mortgages_and_loans

submitting another complaint could upload document ongoing nightmare month applied mortgage modification default payment bank american prolonged wanted add fee account sent document document month could pay dollar added dollar total amount got document paper told trial payment almost instead told added escrow payment pay escrow payment primary mortgage sent document document bank america paid told payment ironically paid payment representative received note boa saying bank account found enclosed received another document boa entitled trial modification enclosed saying payment would document received added escrow added keep adding third party expense balance added time begging agency help enclosing primary mortgage statement verify paying escrow enclosing document boa sent enclosing payment boa claim cant find account attachment image kb image kb

retail_banking

want call email situation gon na copied emailed sent ombudsman office federal reserve dear ombudsman office federal reserve system hello name want know file complaint bank aka bb federal reserve board office controller currency united state send two prisommary note dollar registered security bb north carolina usps bb supposed trade later deposited credit brokerage account bb mr talk trading office number bb north carolina week tuesday wednesday tuesday acted like note mailed lost today stating one rep received note operation building bb rejected promissory note gon na mailed back mailing address know bb bank copied information promissory note valued totalling dollar stole money note part want proper file complaint branch banking trust company aka truist financial corporation proper banking regulatory enforcement agency united state contact cell emailed

credit_reporting

shocked reviewed credit report found late payment date wfds

mortgages_and_loans

loan agreement written confusing legal speak hide massive apr loan paid loan outstanding principal payoff company owned hiding behind law apply u

retail_banking

original copy letter uploaded includes detail named well fargo complaint letter well fargo regulation cc trust take year build second break forever repair think back last sentence feel regard relationship well fargo bank personal experience relationship soured quickly ending breakup well fargo reputation deceptive trade practice go back least decade much consumer regulator pursued claim well fargo variety illegal tactic looking situation relates violation deal act fidcs regulation cc referencing within complaint well fargo next paragraph titled summary complaint summary complaint window deposited personal check made wife amount well fargo bank method atm located behind branch address tx personal checking account ending deposited received atm card screen prompted hold time two business day date wednesday window revisited well fargo branch located tx obtain temporary check sold count one dollar peace needed didnt check account ending order compensate attorney located louisiana amount dollar amount needed regard transaction furthermore attorney doesnt accept credit card payment phone doesnt accept payment online time well fargo inquired availability date deposit made night teller name processing transaction temporary check informed deposit would available time provided later day used one well fargo check order pay attorney placed folder mailed first thing morning made call lasted minute recorded call verify availability fund see hold deposit released call learned fund held extended period time well fargo way till exactly day plus two day deposit hold since depositing well fargo atm informed new availability date phone using automated system furthermore reason heard automated system fund held verification representative became available asked transferred escalation specialist transferred escalation specialist informed representative hold due verification fund uncollectable went mention since account negative also reason responded back stating well fargo also responsible activated overdraft protection account never requested feature initial set account original paperwork show never asked overdraft protection account explained specialist later hung call going nowhere call lasted first call made phone call lasted minute recorded call prompted new date holding fund hold reason fund uncollectable asked speak escalation specialist felt would provide little clarification speaking specialist upon inquiry informed previous representative regarding hold reason fund uncollectable hold date however noticed call uncomfortable based question asking told none previous representative shared making sense made aware development branch getting temporary check notified phone call email reason felt problem based knowledge wife amount knowledge fdic related regulation cc kept telling fund uncollectable regulation cc concern making fund available withdrawal within time prescribed regulation providing fund availability disclosure notice customer call escalation specialist informed well fargo xxxxs loss prevention department oversees place hold financial instrument provided phone fax number along hour operation department also said proof fund available could show would reach bank verify fund release call wife check account see check wrote cleared upon logging looking account notice written one point time available within average daily balance meaning would clear also noticed well fargo able collect fund informed collectible point knew lied kept saying fund uncollectable clearly dont know time well fargo processed check point upset customer almost nine year within nine year difference regarding way processed transaction would take deposit either made personal checking account directly deposit business checking account deposited amount pending withdrawal scheduled hit account would banking software taking smallest withdrawal item several would receive nsf line item fee eat directly available would eat available balance would blow entire account time finished negative knew full well something wasnt right middle last year process trying reorganize business make thing better applying ppp program could get moving covid pandemic really placed business malignant state affair shouldnt due well fargo previous issue consumer abuse followed reprioritizing commercial loan application favor bigger business customer also applying ppp program closed account process taking care small negative balance business account transaction history related business showed earnings expense wasnt able participate ppp program another financial institution federal agency proof financial history regard business banking history made phone call department lasting minute recorded half call hold waiting speak someone loss prevention specialist available asked reason fund hold informed representative time reason hold check wasnt collectible couldnt verify fund rebutted statement false able look wife account saw well fargo actually collected fund informed representative fact demeanor changed becoming cooperative also made aware felt actual reason regard well fargo taking position took deposit account stated real reason generate nsf fee transaction felt would gain respect line item would come account due extended hold time placed item ten day representative stated could reverse would problem needed show proof fund collectible even though made aware wife call well looking account asked time lied put bad situation could generate fee provided reason kept saying fund uncollectable never stated reason even though regulation cc state happens bank representative must provide reasonable cause doubt collectibility check meaning doubtful collectibility may exist post dated check check dated six month earlier check paying institution said honor however check made general criterion doubting collectibility existence fact would cause belief mind reasonable person check uncollectible bank reason belief check uncollectible must included notice customer since phone loss prevention representative followed two previous representative two time heard message concerning account automated system valid reason werent given short well fargo knew lied think uneducated customer wouldnt research know look later day window wife drove branch located tx obtained verification needed meeting personal banker well fargo branch regarding deposit scheduled address tx meeting conducted addressed concern filed formal complaint well fargo documented system complaint also informed fund hold released didnt understand part told loss prevention representative escalation specialist needed proof transaction first order proceed releasing fund contacting bank additional alphanumeric strand part proceeding number provided within bracket cant make one number provided back business card told complaint taken would receive phone call date meeting currently havent received phone call well fargo representative communication received personal banker took complaint see anyone reached im sure going upset im ready end relationship regard attempting fact lied phone different time possibly branch conducting transaction biggest insult entire situation received letter well fargo letter tried cover form lying way deposit date first letter dated letter stated delayed availability fund deposited order review check based review made fund available say little important false part letter find part funny still angry knew lying based recorded conversation call followed fact envelope came first postmarked next thing saw deposit date actual deposit date confirmed phone call conducted lasted minute recorded another personal banking representative time well fargo didnt release check based called review released check based call loss prevention representative pm call told hold date fund reason provided fund uncollectable demeanor changed informed knew collected fund also physical proof possession bank form certified document show actual draft date verifies fact well fargo collected fund knew caught lie instead honest lied stating released fund hard right thing people dont right thing always work right thing right thing cant well fargo right thing versus done level dishonesty trust one time however time well fargo kept conducting fashion cause believe anything say trust anymore right allowed want customer trusted including would like see something could done term legal action possible lawsuit held accountable action meaning proactive fought account would possibly negative real estate transaction worked would either canceled delayed well fargo placing negative furthermore also say boldness action isnt well fargo first time customer regard experienced see predatory institution lack ethical fortitude care customer trust finance cant trust regarding incident would anyone else want solution problem want punished recorded saved conversation involve matter copy proof show fund collectible well fargo bank stated copy letter well fargo mailed willing physically mail information whatever address request mailed verifies everything stated within electronic communication attach upload information well regard acceptable format include letter mailed lied also include copy mail date envelope paper along information bank included contact information email address p original copy letter uploaded includes detail named well fargo complaint letter contact information please help sincerely

credit_reporting

partner financial collection unfairly placed credit report collection acct company license operate georgia bought inaccurate unvalidated unverified fraudulent collection acct another company also license operate georgia company entity exist never done business company acct anyone take minute search state business search website site page find neither one company license operate business ga company called company lost license operate financial fraud crime ironically paying bill state still illegally operated without license wreckless disregard sold inaccurate unverified fraudulent collection acct partner financial collection also license operate either apparently investigate broke law year ago destroyed credit life fraudulent collection acct fraudulent acct still credit report disputed inaccurate fraudulent acct showed written proof intentionally maliciously refused remove painful fraudulent inaccurate acct credit please help thank advance thoughtful

retail_banking

pnc made change prevents able link account change keeping using main source funding fund money market account interesting say security allow account connected exchange investing platform hindering ability participate free market reason restriction exist bank perform duty flawlessly

debt_collection

portfolio recovery calling everyday sometimes multiple time day collecting year old debt maybe others awaiting important phonecalls pick every call get always someone portfolio recovery sometimes wo even say tell ca give information unless tell last time spoke someone told seriously harassing pandemic replied harassing calling multiple time day different random number harassment

debt_collection

portfolio recovery associate making multiple daily call residence daily spoken requested cease call ignored request please help time call different number caller id portfoliorecov thank pa

credit_card

regarding assertion informed record promotion pnc ongoing promotion order qualify pnc promotion application must submitted using link associated offer website stated previous response application submitted promotion offered time first regarding assertion informed record promotion um informed record promotion previous response record show time application pnc record bonus offer presented yeah second want talk assertion assertion correct rest gang executive relation team really seem maintain assertion time application pnc record bonus offer presented well due foolishly releasing new information ongoing promotion basically ratted others lying regarding assertion last month promotion going thank admitting ongoing promotion sreenshots attached show credit karma since even opened account pnc also receiving email well clearly save think ever needed reason kept every little email receive inbox would overwhelming thank refreshing memory found promotional offer regarding colleague assertion application submitted prove ca required credit account accordingly per udaap doddfrank wall street reform consumer protection act collegues previously told phone needed show email bonus promised expected prove submitted application email sorry nothing email stating warning screenshot email pnc may keep promise giving pnc however need show proof promotional offer time application customer make claim month finally admitted fact offer time already shown capable lying need show proof submit application via people wrong offered bonus via credit monitoring service reel took away worse lied ever offering called advertising accordance udaap doddfrank wall street reform consumer protection act

credit_card

region bank acc continue reporting id fraud outdated account mine never done business bank formal complaint filed fdic unfair practice account fdci case

debt_collection

rent recovery solution extorting multiple people old debt owed former tenant owned followed current lease termination agreement time tee giving day written notice well communicating local property management left apartment good standing matter fact paid cover residual pending fee day rent property managxxxx stated till unit rented occupied happened le hour left tenant occupied confirmed property management also confirmed retrieve mail new tenant bank statement opened reached many time trying collect security deposit refund payment seem roll lot never got anywhere fast forward almost year later get ding credit report reported nc govt consumer site trying collect debt owed using former residency scam fulfilled requirement time paid want credit report fixed return owed back payment security deposit reached corporate got vm legal never heard back also seeing trend behavior site victim extortion year later fact using tenant way boost profit

debt_collection

rent recovery solution extorting multiple people old debt owed former tenant owned followed current lease termination agreement time tee giving day written notice well communicating local property management left apartment good standing matter fact paid cover residual pending fee day rent property manager stated till unit rented occupied happened le hour left tenant occupied confirmed property management also confirmed retrieve mail new tenant bank statement opened reached many time trying collect security deposit refund payment seem roll property management lot never got anywhere fast forward almost year later get ding credit report reported nc govt consumer site trying collect debt owed using former residency scam fulfilled requirement time paid want credit report fixed return owed back payment security deposit reached corporate got vm legal never heard back also seeing trend behavior site victim extortion year later fact using tenant way boost profit

credit_card

see approved without impact credit got experian thought custodian credit rating applied fico score impacted contact reply

credit_reporting

thank submitting complaint cfpb complaint portal complaint indicated inaccurate incorrect item reporting credit file please advised investigation furnisher information initiated furnishing company provides finding send result hope resolve concern additional question may call may visit myequifax create account manage security freeze add remove fraud alert initiate credit file dispute additionally access free equifax credit report excuse given several time provided proof valid debt

credit_reporting

transunion continue refresh outdated account old account violates fdcpa fcba cra vilates section account

debt_collection

trueaccord emailed separated eight year regarding debt owe sent screenshots email first time contacted regarding debt contacted company promptly would speak unless gave phone number reluctantly gave operator phone number stated could verify phone number gave current phone number used three year since could verify phone number tried get verify address refused operator would give information agreeing removing u contact email received state originally check written check presented payment dishonored bank purchased debt hired company trueaccord collect balance due plus returned check fee used check store since around outstanding debt owe business trueaccord attempting fraudulently make fake debt