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2020-05-19T00:00:00 | catch financial inc | 0195638D | BBG002PTPK39 | 0.975526 | -0.464346 | 0.075185 | 0.195455 | Checking or savings account | Other banking product or service | Managing an account | Banking errors | I have been banking with CatchXXXX off and on for the last couple of years, I logged in this month, and my balance showed as {$24.00}, and I started depositing into the account. It's an automated savings program meant for XXXX, so they automatically pulled money from my account, and now I'm being told they can't find it.
Apparently my account was garnished in XXXX of 2019 by the state of California. Catch never notified me of this. In addition, it appears I'm overdrawn in the account, but they can't tell me the fees involved, or why I've overdrawn. I have over 400 dollars that I have no idea where it is. I desperately need this money, XXXX of it is from the Stimulus check | Company believes complaint caused principally by actions of third party outside the control or direction of the company | CA | 93722 | null | Consent provided | Web | 2020-07-20T00:00:00 | Closed with monetary relief | Yes | null | catch financial inc | 0.922697 |
2021-12-08T00:00:00 | catch financial inc | 0195638D | BBG002PTPK39 | 0.947176 | -0.56643 | -0.099784 | 0.093654 | Checking or savings account | Savings account | Managing an account | Deposits and withdrawals | On XX/XX/XXXX I attempted to log into my account and re-link a bank with the company Catch Financial. I reached out to them to reconnect my bank and afterward it worked.
Soon I attempted a withdrawal request and the bank is denying me the ability to withdraw funds from my account. I have reached out to them on XX/XX/XXXX and XXXX about this issue but they keep saying they are waiting to hear back from their partners, most likely the bank they contract with XXXX.
They are not in any rush or seem concerned about me obtaining my funds. | Company disputes the facts presented in the complaint | GA | 30236 | null | Consent provided | Web | 2022-01-05T00:00:00 | Closed with explanation | Yes | null | catch financial inc | 0.914705 |
2022-06-28T00:00:00 | catch financial inc | 0195638D | BBG002PTPK39 | 0.94905 | -0.28522 | -0.157356 | 0.168825 | Checking or savings account | Other banking product or service | Closing an account | Funds not received from closed account | We used a financial service called " Catch Benefits '', Catch Financial , Inc., found at catch.co which withholds specific amounts from the paychecks of freelancers in order to help save for retirement, healthcare, travel, etc...
On XX/XX/2022, we initiated a request with Catch to close our account and specifically send us a check for the total amount in our retirement savings so that we could move it into a different retirement account. The amount we have is {$16000.00}. As of today, XX/XX/2022, we are still waiting for that check with our money. I have attached chat transcripts. At every turn, they have avoided having to give us our money back. Their app store is full of reviews along the lines of " holding our money hostage '' - others with the same complaint.
According to their own website, our account should be closed and we should have immediately received a check for any remaining money in our account.
Additionally, they are in violation of their terms of service ( https : //catch.co/legal/terms ) which states : " b. Your Funds and the Catch Account. Your funds will remain in your Catch Account until you instruct us to transfer any or all of your funds from your Catch Account by indicating a withdrawal within the Website or the Application. We will generally transfer the requested funds from your Catch Account to your Bank Account within three ( 3 ) Business Days of when we receive your request. We may transfer funds from your Catch Account to your Bank Account without notice to you upon the closure of your Catch Account as Described below and at any time if required by applicable law or if we, in our sole discretion, suspect the Services are being used for illicit purposes or otherwise in violation of these Terms. '' AND " f. Catch Account Closure. Upon the closure of your Catch Account for any reason, we will transfer the funds in your Catch Account, if any, to your Bank Account. If your Bank Account is closed or we are otherwise unable to transfer the funds in your Catch Account to your Bank Account, we will send you a check for the amount of the funds to you at your street address in our records. '' | Company disputes the facts presented in the complaint | HI | 967XX | null | Consent provided | Web | 2022-07-18T00:00:00 | Closed with explanation | Yes | null | catch financial inc | 0.914705 |
2022-07-01T00:00:00 | catch financial inc | 0195638D | BBG002PTPK39 | 0.941502 | 0.185971 | -0.099784 | 0.342563 | Checking or savings account | Savings account | Managing an account | Deposits and withdrawals | I have happily been Catch Benefits app ( run by Catch Financial , Inc ) for 2 years for my tax withholding and savings, but currently it's holding my money hostage. On XX/XX/2022 I tried to withdraw money to make my quarterly tax payment and no longer had access to my own funds. ( There was some migration and now my account is showing a {$0.00} balance. ) The help desk told me since I didnt upgrade my account by the XX/XX/XXXX deadline that they would have to send me a paper check by mail. Not only did that mean missing the XX/XX/XXXX tax deadline, they also withdrew all the funds from my savings account that I had set aside for my summer vacation which is coming up in 3 weeks. My account is now emptied and still have not received a check. I am getting a different story every week from the help desk.
It has now been more than 3.5 weeks and this week they are saying I have to wait ANOTHER 10 business days to pass and if I have not received my check, I will need to contact XXXX support team. I dont know who XXXX is. It just feels like they are giving me the runaround.
I went online to leave a review in the app store and was disheartened to see that there are tons of reviews from customers with the same problem. The same goes for their social media accounts. Multiple stories from small business owners and freelancers whose money they have not returned! They have broken my trust and I would like this claim and this company investigated. | Company believes complaint caused principally by actions of third party outside the control or direction of the company | FL | 336XX | null | Consent provided | Web | 2022-07-01T00:00:00 | Closed with explanation | Yes | null | catch financial inc | 0.914705 |
2023-07-10T00:00:00 | capital realty professional llc | 0962276D | BBG00658CPG7 | 0.958646 | -0.216291 | 0.262567 | 0.334974 | Money transfer, virtual currency, or money service | Domestic (US) money transfer | Fraud or scam | null | Fraud began XX/XX/2022 in the amount of {$15000.00}. I filed a FTC complaint on XX/XX/2022. FTC Report Number is XXXX. I also filed a complaint with the FBI. I have attached the FTC complaint, and I will provide the more detailed FBI complaint upon request. | Company believes complaint caused principally by actions of third party outside the control or direction of the company | MD | 21215 | null | Consent provided | Web | 2023-09-05T00:00:00 | Closed with explanation | Yes | null | capital realty professional llc | 0.933913 |
2014-09-04T00:00:00 | gaba law corporation | 0963008D | BBG00660N7D4 | 0.465793 | -0.227357 | 0.39444 | 0.210959 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt is not mine | null | null | CA | 92019 | null | null | Referral | 2014-09-22T00:00:00 | Closed | Yes | No | gaba law corporation | 0.884878 |
2014-12-19T00:00:00 | gaba law corporation | 0963008D | BBG00660N7D4 | 0.416892 | -0.047944 | 0.38345 | 0.2508 | Debt collection | Non-federal student loan | False statements or representation | Attempted to collect wrong amount | null | null | AL | 35057 | null | null | Web | 2014-12-19T00:00:00 | Closed | No | Yes | gaba law corporation | 0.884878 |
2015-07-17T00:00:00 | gaba law corporation | 0963008D | BBG00660N7D4 | 0.993598 | 0.374289 | 0.541512 | 0.636466 | Debt collection | Non-federal student loan | Taking/threatening an illegal action | Sued w/o proper notification of suit | XXXX ( as XXXX ) is committing fraud on behalf of Gaba Law Corporation in their serving process. According to their clients, I was served In XXXX 2014 with a lawsuits from XXXX by a person named " XXXX XXXX '' Upon calling and searching for a way to contact XXXX ( as XXXX ), I have asked for the full name of this person who supposedly served me which leads to a circle of the attorney and XXXX ( as XXXX XXXX ) telling me to call the other party about the server 's full name.
I am at my wits end with this matter, due to the fraudulent service of this company 's employee leading to a default Judgement against in a that I was n't able to defend myself from. The fraudulent service in question was a substitute service given to a " XXXX XXXX '' who does not exist.
The company 's name is listed on the documents, however they wo n't give me the person 's full name. Their client Gaba Law wo n't give me the person 's name and tells me to refer to the sheet, which is illegible. XXXX XXXX XXXX is acting fraudulently and should be found liable for violation of the FDCPA for falsifying information on legal documents in order to collect a judgement. Even the phone number that was listed on the legal documents was false. | Company disputes the facts presented in the complaint | CA | 90046 | null | Consent provided | Web | 2015-07-17T00:00:00 | Closed with explanation | No | No | gaba law corporation | 0.884878 |
2015-08-07T00:00:00 | gaba law corporation | 0963008D | BBG00660N7D4 | 0.859447 | -0.409442 | 0.07449 | 0.174832 | Debt collection | I do not know | Cont'd attempts collect debt not owed | Debt was paid | In XXXX 2011 I had an accident while using a rental car from XXXX corporation. I was assessed a charge for that accident and paid in full in XXXX 2011 using a credit card. I have both the receipt for the payment from XXXX and the credit card statement showing the payment to XXXX. I also have the credit card statement the following month showing my payment of the bill from the credit card company. XXXX somehow did not correctly record the payment and after attempts to get me to pay the bill again and trying to recharge my credit card, sold the collection to a collection agency, XXXX and XXXX. XXXX and XXXX contacted me and I provided my proof of payment. XXXX year later I was contacted by a legal firm, Gaba Law threatening collection action. I again provided full proof of payment of the outstanding original bill. Now almost two years later Gaba has filed in the local, XXXX CA, superior court a lawsuit for collection of debt. I have tried to work with each of these corporations and provided them with proof of payment with no success. At this point I need to engage legal support in order to demonstrate and counter this frivolous lawsuit.
Gaba has also filed a credit default with the credit agencies which is false.
As Gaba indicates that any complaint should be filed with the FTC, the FTC directed me to the CFPB.
Thank you. | null | CA | 90275 | null | Consent provided | Web | 2015-08-07T00:00:00 | Closed | No | Yes | gaba law corporation | 0.884878 |
2015-08-17T00:00:00 | gaba law corporation | 0963008D | BBG00660N7D4 | 0.992135 | 0.093205 | 0.541512 | 0.542284 | Debt collection | Non-federal student loan | Taking/threatening an illegal action | Sued w/o proper notification of suit | null | Company disputes the facts presented in the complaint | CA | 90046 | null | Consent not provided | Web | 2015-08-17T00:00:00 | Closed with explanation | Yes | Yes | gaba law corporation | 0.884878 |
2016-02-02T00:00:00 | gaba law corporation | 0963008D | BBG00660N7D4 | 0.993665 | 0.575852 | 0.38345 | 0.650989 | Debt collection | Non-federal student loan | False statements or representation | Attempted to collect wrong amount | I currently have XXXX private student loans which were sold to debt collection agencies. The first loan has sent me an invoice with what I owe, total interest, a breakdown of monthly payments due, and when my loan will be paid off. The second loan is with an unregulated debt collection office called Gaba Law Corporation. The only actual lawyer there is the owner and the XXXX people I have dealt with are not lawyers. When I ask them for info on what interest will be charged and how much interest I have paid up to date, they do not give me straight answers. The person who handles my file is very short with me and instead of giving clear info like how much interest I paid for the month or by when my loan will be paid off, he sends me short, irritated emails with vague information. In XXXX my balance was {$7200.00} and I have since paid {$470.00}. My balance is now {$7000.00}. Only 40 % of my money went to principal.
My other debt has charged me 10 % for the total amount owed annually, so it 's a set amount for the year and I make monthly payments which lowers the principal substantially. Gaga Law Corp. charges this 10 % interest per day, and changes the amount every single day so I can never keep up with what I have paid and what I owe. As far as i 'm concerned with what I can afford to pay them I 'll be paying them for countless years considering the amount of interest I am being charged. I have emails proving all of this information above showing the vague, unhelpful, rude emails they send me when I ask for simple information. | Company disputes the facts presented in the complaint | CA | 90068 | null | Consent provided | Web | 2016-02-02T00:00:00 | Closed with explanation | Yes | No | gaba law corporation | 0.884878 |
2017-04-13T00:00:00 | gaba law corporation | 0963008D | BBG00660N7D4 | 0.841472 | 0.096882 | 0.461392 | 0.466582 | Debt collection | I do not know | Taking/threatening an illegal action | Seized/Attempted to seize property | null | null | null | null | null | null | Phone | 2017-04-14T00:00:00 | Closed with explanation | No | No | gaba law corporation | 0.884878 |
2018-05-26T00:00:00 | gaba law corporation | 0963008D | BBG00660N7D4 | 0.830464 | 0.452541 | 0.140062 | 0.474356 | Debt collection | Other debt | Written notification about debt | Didn't receive notice of right to dispute | The company known as GABA Law Corporation wherein XXXX XXXX, XXXX attorney and owner, along with his associate XXXX XXXX violated my FDCPA Rights. Under the FDCPA, I have the right to dispute the deb and the ( 1 ) Right to notice of the debt ( 2 ) Right to Contest the debt ( 3 ) Right to verify the debt.
In XX/XX/2012, XXXX XXXX contacted me by telephone and out of nowhere indicated that he was contacting me to collect a debt on behalf of XXXX dba XXXX XXXX XXXX. He indicated I was being sued and judgment was being obtained against me. According to the FDCPA I have the Right To Notice of Debt within 5-days of XXXX XXXX and GABA Law Corp. contacting me. Where GABA Law Corp. must send me a letter telling me ( 1 ) the amount of the debt ( 2 ) name of the creditor ( 3 ) information about what I can do if I think there has been a mistake or if I don't actually owe the money. I never received a letter of notice from GABA Law within 5-days indicating the amount of the debt or any information about what i can do if I think there has been a mistake and I don't actually owe the money.
i explained that day to XXXX XXXX that I did not owe the debt and referred him to the membership agreement that I signed specifically page 2, paragraph 4, that reads : It is further understood and agreed that I may resign my Membership from the Club at any time by giving at least 30 days advance.
Per FDCPA If I do not owe the debt I should be allowed to dispute the debt, the debt collector can not report it to a credit reporting agency unless and until it verifies the debt. GABA Law Corp. reported the debt before they received my dispute letter and they never gave me an opportunity to provide them my dispute letter. By not giving me the opportunity to provide them a dispute letter GABA Law violated my Rights. If I would have been allowed to provide my dispute letter GABA Law must notify the credit reporting agencies that the debt is disputed, instead they reported a Collection to the credit reporting agencies, and obtained a Judgment without properly serving me with a summons I never have been served by GABA Law yet GABA Law again mislead the court to believe that I had been served and simply didn't show up to court implying the " no show '' was an admission of guilt GABA Law has violated the FDCPA and the Fair Credit Reporting Act by reporting a debt that it knows, or should know, to be false.
GABA Law in association with XXXX dba XXXX XXXX XXXX are reporting incorrect information and their incorrect reporting appears in Background Investigations for employment opportunities and continues to result in Adverse Action Notice that has impacted my ability to receive employment opportunities and creating financial hardship. This is a careless, malicious, tactic that should be retracted and removed from my record.
The truth is, I became a member of the XXXX XXXX XXXX for less than one year. Using simple math at a rate of {$520.00} per month x 12 months would only equal {$6300.00} You ( GABA Law ) and the creditor are reporting {$19000.00}. In XX/XX/2012 I suffered a serious injury to my XXXX and was diagnosed with a XXXX XXXX XXXX of my XXXX XXXX. This can be verified through my medical records. Under the care of my physician XXXX XXXX, XXXX. of XXXX XXXX XXXX I was unable to participate in any type of physical activity. At that point I notified XXXX XXXX XXXX and spoke with the accounting department who took my information and said they would report my incident and contact me if they needed further information. I also submitted a written letter notifying them of the same. The Agreement I signed with XXXX ( enclosed ) clearly states It is further understood and agreed that I may resign my Membership from the Club at any time by giving at least 30 days advance. Now considering I gave XXXX dba XXXX XXXX XXXX a 45+ day notice and spoke directly to the Accounting Department and followed my verbal conversation with a written notice, I also provided them the name and phone number of the XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX , California . | null | CA | 91367 | null | Consent provided | Web | 2018-05-26T00:00:00 | Closed with explanation | Yes | null | gaba law corporation | 0.884878 |
2018-08-20T00:00:00 | gaba law corporation | 0963008D | BBG00660N7D4 | 0.847878 | 0.448905 | 0.4457 | 0.580827 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was paid | Gaba Law Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, a debt collection lawyer, filed a law suit in XXXX Superior Court demanding payment of {$2600.00} for a debt that was not owed.
Action was filed on XXXX XXXX, more than 4 years after I made the final payment to the creditor in XX/XX/XXXX. XXXX 's suit is barred by the CA stat. of limitations. I have a written receipt from the creditor for the entire final amount due.
XXXX XXXX, the debt collector and his erstwhile creditor never made even a single demand for payment of this fake amount during the entire 4 years, because I didn't owe anything. The XXXX XXXX debt collection law firm specializes in this type of coercive, fraudulent use of lawsuits to collect court-imposed penalties against innocent consumers.
For example, in series of car repossession deficiency cases, XXXX XXXX filed collection lawsuits, falsely claiming that the amounts were owed for '' credit card '' debts to avoid the deficiency notice required under the CA Auto Sales Finance Act.
However, in a XXXX federal consumer class action in U.S Dist CT N.D. CA ( XXXX XXXX ) XXXX XXXX XXXX, Case No XXXX, Consumers were awarded {$380000.00}, costs and attorneys fees against him and his client, in addition to the amount awarded to compensate members of the class.
His method of collection is to file lawsuits against consumers for relatively small amounts, wait for the consumer to default. Then, he moves in to collect attorneys fees based on predictable defaults from courts that are unaware of his method of collection.
If you are sued by this debt collection law firm in California, Beware! | null | CA | 95820 | null | Consent provided | Web | 2018-08-22T00:00:00 | Closed with explanation | Yes | null | gaba law corporation | 0.884878 |
2020-12-08T00:00:00 | gaba law corporation | 0963008D | BBG00660N7D4 | 0.817402 | -0.440763 | -0.556688 | -0.060017 | Credit card or prepaid card | General-purpose credit card or charge card | Trouble using your card | Can't use card to make purchases | null | null | CA | 94520 | null | Other | Web | 2020-12-08T00:00:00 | Closed with non-monetary relief | No | null | gaba law corporation | 0.884878 |
2021-05-24T00:00:00 | gaba law corporation | 0963008D | BBG00660N7D4 | 0.837744 | -0.432377 | 0.443302 | 0.28289 | Debt collection | Other debt | False statements or representation | Attempted to collect wrong amount | In the XXXX my husband contacted XXXX XXXX collections in regards to an account that appears on our credit report. The company referred him to their legal department ( Gaba Law ) stating they are only the ones that control this account.My husband spent two days attempting to contact Gaba Law. He was eventually able to get a hold of someone via email. The company refused to settled and stated that the judgment amount was XXXX as of XX/XX/21. We do not have a Judgment on us at this time or any previous time. The wording used in the email defining this as a judgment was misrepresentation. I contacted the company on XX/XX/21 offering a settlement via email. They again refused to settle out .I requested validation of the debt. In return I received a copy of a lease and a letter stating the account and that as of XX/XX/21 the debt is XXXX. The company misrepresented the amount owed and the fact that there was a judgment against us. | null | UT | 847XX | null | Consent provided | Web | 2021-05-24T00:00:00 | Closed with explanation | Yes | null | gaba law corporation | 0.884878 |
2014-05-13T00:00:00 | federal financial services inc | 1055393D | BBG0072J8K52 | 0.285294 | -0.084325 | 0.07449 | 0.09182 | Debt collection | I do not know | Cont'd attempts collect debt not owed | Debt was paid | null | null | NC | 27106 | null | null | Fax | 2014-05-15T00:00:00 | Closed with explanation | No | No | federal financial services inc | 0.967015 |
2014-06-02T00:00:00 | federal financial services inc | 1055393D | BBG0072J8K52 | 0.201492 | -0.128762 | 0.213901 | 0.095544 | Debt collection | Auto | False statements or representation | Attempted to collect wrong amount | null | null | NC | 27409 | null | null | Web | 2014-06-05T00:00:00 | Closed with explanation | Yes | No | federal financial services inc | 0.967014 |
2014-11-03T00:00:00 | federal financial services inc | 1055393D | BBG0072J8K52 | 0.342716 | -0.338671 | -0.113708 | -0.036554 | Consumer Loan | Vehicle loan | Managing the loan or lease | null | null | null | VA | 24210 | null | null | Web | 2014-11-03T00:00:00 | Closed with explanation | Yes | No | federal financial services inc | 0.967015 |
2017-05-12T00:00:00 | federal financial services inc | 1055393D | BBG0072J8K52 | 0.814251 | -0.13269 | 0.412544 | 0.364702 | Vehicle loan or lease | Lease | Struggling to pay your loan | Lender trying to repossess or disable the vehicle | null | null | null | null | null | null | Phone | 2017-05-12T00:00:00 | Closed with explanation | Yes | null | federal financial services inc | 0.967014 |
2017-10-25T00:00:00 | federal financial services inc | 1055393D | BBG0072J8K52 | 0.797398 | -0.506032 | 0.244451 | 0.178605 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/XXXX/2017. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter | null | NC | XXXXX | Servicemember | Consent provided | Web | 2017-10-25T00:00:00 | Closed with explanation | Yes | null | federal financial services inc | 0.967015 |
2017-12-27T00:00:00 | federal financial services inc | 1055393D | BBG0072J8K52 | 0.971602 | -0.078576 | 0.421605 | 0.43821 | Vehicle loan or lease | Loan | Struggling to pay your loan | Lender trying to repossess or disable the vehicle | null | Company believes complaint caused principally by actions of third party outside the control or direction of the company | NC | 28097 | null | null | Phone | 2018-01-05T00:00:00 | Closed with explanation | Yes | null | federal financial services inc | 0.967015 |
2018-03-02T00:00:00 | federal financial services inc | 1055393D | BBG0072J8K52 | 0.677064 | -0.298505 | -0.073736 | 0.101608 | Checking or savings account | Other banking product or service | Managing an account | Deposits and withdrawals | null | null | NC | 28146 | null | null | Referral | 2018-03-06T00:00:00 | Closed with explanation | Yes | null | federal financial services inc | 0.967015 |
2019-05-29T00:00:00 | federal financial services inc | 1055393D | BBG0072J8K52 | 0.823189 | -0.354415 | -0.061454 | 0.135773 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I live in XXXX But i moved to XXXX in XXXX. In XXXX my car was reposessed. The car was towed and i was told i would be notified of the auction of the car and how much i would ow. I never got a call or anything by mail about my car. Federal Financial Service stated that i needed to get in touch with the towing company in XXXX. I did and they said they will send me the information about where my car was auctioned off. They never did and XXXX reached out several times with no response. I filed a police report in XXXX for stolen car because the financial service nor the tow company told me they knew where the car was or who bought it. The tow company said they sent the financial company certified letters about where to get car before it was auctioned but financial service say they never got it. This is fraud. The car dealership was closed down due to some criminal activity and the financial company closed in my city. I have made them aware for yrs that i habe not had the car yet they continue reporting the full amount on my credit of XXXX withoit knowing where the car is or who has it i asked them to change the status from charge off to settle or just delete. They refuse to do anything. This is a huge hinderance to me as i am a single parent of XXXX kids. After this step I will sue the finance company because they have not provided any proof i should still owe this car. | null | NC | 27106 | null | Consent provided | Web | 2019-05-29T00:00:00 | Closed with non-monetary relief | Yes | null | federal financial services inc | 0.967015 |
2019-08-16T00:00:00 | federal financial services inc | 1055393D | BBG0072J8K52 | 0.822484 | -0.219376 | -0.061454 | 0.180551 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | null | null | NC | 27360 | null | Consent not provided | Web | 2019-08-16T00:00:00 | Closed with non-monetary relief | Yes | null | federal financial services inc | 0.967015 |
2019-08-21T00:00:00 | federal financial services inc | 1055393D | BBG0072J8K52 | 0.831441 | -0.102456 | 0.267288 | 0.332091 | Payday loan, title loan, or personal loan | Installment loan | Charged fees or interest you didn't expect | null | null | null | NC | 27360 | null | Consent not provided | Web | 2019-08-21T00:00:00 | Closed with non-monetary relief | Yes | null | federal financial services inc | 0.967015 |
2019-08-29T00:00:00 | federal financial services inc | 1055393D | BBG0072J8K52 | 0.741667 | -0.403478 | -0.119568 | 0.072873 | Vehicle loan or lease | Loan | Incorrect information on your report | Account information incorrect | Federal Financial is reporting a {$10000.00} debt on my credit report that was resolved some time ago. Since they are unable to verify this debt, nor report accurate information on my credit report, this account should not be there at all. | null | NC | 28227 | null | Consent provided | Web | 2019-08-29T00:00:00 | Closed with explanation | Yes | null | federal financial services inc | 0.967015 |
2019-09-30T00:00:00 | federal financial services inc | 1055393D | BBG0072J8K52 | 0.81844 | -0.212592 | -0.000183 | 0.201888 | Payday loan, title loan, or personal loan | Installment loan | Problem with additional add-on products or services | null | null | null | NC | 27360 | null | Consent not provided | Web | 2019-09-30T00:00:00 | Closed with non-monetary relief | Yes | null | federal financial services inc | 0.967015 |
2019-10-02T00:00:00 | federal financial services inc | 1055393D | BBG0072J8K52 | 0.808731 | -0.246263 | -0.052971 | 0.169832 | Payday loan, title loan, or personal loan | Installment loan | Problem when making payments | null | null | null | NC | 27360 | null | Consent not provided | Web | 2019-10-02T00:00:00 | Closed with explanation | Yes | null | federal financial services inc | 0.967014 |
2019-12-16T00:00:00 | federal financial services inc | 1055393D | BBG0072J8K52 | 0.820296 | 0.572182 | 0.530219 | 0.640899 | Debt collection | Auto debt | False statements or representation | Impersonated attorney, law enforcement, or government official | I had been making payments for two years on my car. I had a XXXX and was hospitalized. I became 3 months behind. My wife got a job because I became XXXX. All other creditors worked with me wonderfully. Ended up with XXXX I spoke with this company all the time. They always gave vague answers, I was threatened by XXXX XXXX, lied to, my contradicting emails. The impersonated the State of Florida Circuit and Civil court, they made up a fake case number for A state of Florida court. All while I was trying to get a straight answer on " if I make one payment, will you make some arrangements with me? '' There answer was always make the payment and well see, knowing they were already trying to repossess the car. I am also contacting state attorney about the fake written notice from the court that was hung on my front gate. | null | FL | 326XX | Servicemember | Consent provided | Web | 2019-12-16T00:00:00 | Closed with explanation | Yes | null | federal financial services inc | 0.967014 |
2020-03-05T00:00:00 | federal financial services inc | 1055393D | BBG0072J8K52 | 0.676171 | 0.242306 | 0.00996 | 0.309479 | Vehicle loan or lease | Loan | Managing the loan or lease | Loan sold or transferred to another company | I only owe XXXX on my car I had for three years now and all of a sudden they keep trynna repo my car over less then a month payment and Ill tell them when Im able to pay but they always telling me what they cant do when Im trynna make payment arrangements, they recently repoed my care but still charged my account then o had to pay almost XXXX bucks to get my car back so when my card false to go thru for a XXXX dollar payment I told them Ill be able to pay it next week if the XXXX but they denied to allow me to pay it and my car note is not due into the XXXX of each month | null | GA | 31061 | null | Consent provided | Web | 2020-03-05T00:00:00 | Closed with explanation | Yes | null | federal financial services inc | 0.967014 |
2020-06-21T00:00:00 | federal financial services inc | 1055393D | BBG0072J8K52 | 0.81607 | -0.565961 | 0.064542 | 0.104884 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I had a collection appear on my XXXX credit report from this company. I have no knowledge of this collection. I have sent multiple letters asking to verify the debt, I have called and received no help in verifying this debt. Multiple attempts have been made over the last 4 months with no success. This account is not mine and needs removed from my credit report immediately. | null | OH | 44685 | null | Consent provided | Web | 2020-06-26T00:00:00 | Closed with explanation | Yes | null | federal financial services inc | 0.967015 |
2021-05-02T00:00:00 | federal financial services inc | 1055393D | BBG0072J8K52 | 0.815836 | -0.322152 | 0.028003 | 0.173895 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I have received a copy of my credit report and it shows company FED FIN SVC account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2400.00}. I have tried many times to get this verified with no such luck. Please review for deletion. | null | NC | 27106 | null | Consent provided | Web | 2021-05-02T00:00:00 | Closed with explanation | Yes | null | federal financial services inc | 0.967014 |
2021-06-21T00:00:00 | federal financial services inc | 1055393D | BBG0072J8K52 | 0.834263 | -0.046401 | 0.211692 | 0.333184 | Debt collection | I do not know | Attempts to collect debt not owed | Debt was result of identity theft | null | null | GA | 30453 | null | Consent not provided | Web | 2021-06-21T00:00:00 | Closed with explanation | Yes | null | federal financial services inc | 0.967015 |
2021-12-22T00:00:00 | federal financial services inc | 1055393D | BBG0072J8K52 | 0.806758 | -0.304202 | -0.061454 | 0.147034 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | null | null | VA | 23234 | null | Consent not provided | Web | 2021-12-22T00:00:00 | Closed with explanation | Yes | null | federal financial services inc | 0.967015 |
2024-01-25T00:00:00 | federal financial services inc | 1055393D | BBG0072J8K52 | 0.753695 | -0.018902 | 0.464386 | 0.399727 | Debt collection | Federal student loan debt | Attempts to collect debt not owed | Debt was paid | The debt has already been paid in full but it is still showing on my credit report as unpaid. Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) | null | GA | 30127 | null | Consent provided | Web | 2024-01-25T00:00:00 | Untimely response | No | null | federal financial services inc | 0.967014 |
2014-10-07T00:00:00 | veritas funding, llc | 1083712D | BBG0079Q0DH0 | 0.356952 | -0.163119 | 0.084892 | 0.092908 | Mortgage | Conventional fixed mortgage | Settlement process and costs | null | null | null | UT | 84121 | null | null | Web | 2014-10-29T00:00:00 | Closed with monetary relief | Yes | Yes | veritas funding, llc | 0.996305 |
2015-10-02T00:00:00 | veritas funding, llc | 1083712D | BBG0079Q0DH0 | 0.86193 | -0.160834 | 0.166588 | 0.289228 | Mortgage | Home equity loan or line of credit | Credit decision / Underwriting | null | null | null | UT | 84044 | null | Consent not provided | Web | 2015-10-02T00:00:00 | Closed with explanation | No | No | veritas funding, llc | 0.995905 |
2016-08-11T00:00:00 | veritas funding, llc | 1083712D | BBG0079Q0DH0 | 0.985668 | -0.4527 | 0.150307 | 0.227758 | Mortgage | FHA mortgage | Credit decision / Underwriting | null | We, I am hoping that, the Attorney General 's Office will take a 2nd look at the business landing practice to see if is in line with the state and federal law.
I applied for a Mortgage loan through my loan, officer XXXX XXXX from Veritas Funding and I was approved for the loan and got through all the process to the closing and while I was waiting for the bank a date that I will be closing on the house. I have got a call from my loan officer stated that, you wo n't be able to buy the house any more. I was in shock and when I asked why because I have done everything they asked of me and signed all the paper from accepting the loan to the appraisal. He said that, the Veritas just did n't want to do business with me anymore, I have tried to contact the company and my loan office, none of them wanted to talk to me, they refused to take my calls and until now I have never heard from Veritas Funding or my loan officer.
I felt discriminated and I want to State Attorney 's office to investigate of what really happy back then. | Company believes it acted appropriately as authorized by contract or law | UT | XXXXX | null | Consent provided | Web | 2016-08-11T00:00:00 | Closed with explanation | Yes | No | veritas funding, llc | 0.996305 |
2017-04-20T00:00:00 | veritas funding, llc | 1083712D | BBG0079Q0DH0 | 0.834999 | -0.305058 | 0.07104 | 0.200327 | Mortgage | Conventional fixed mortgage | Application, originator, mortgage broker | null | I applied for a loan through Veritas lending in XXXX , Utah. Half -way through the process, the loan officer could not answer certain questions about how much I would need to pay out of pocket at home closing, and so I switched lenders. Veritas, who was the preferred vendor for XXXX XXXX construction, then increased my building costs by {$1400.00}. The told me because I went with another lender, I did not qualify for certain discounts. However, the discounts were never explained beforehand, and I was never given a choice. I feel that both Veritas and XXXX XXXX should have explained the discounts up front. | null | UT | 84043 | null | Consent provided | Web | 2017-04-20T00:00:00 | Closed with explanation | Yes | No | veritas funding, llc | 0.996305 |
2017-10-23T00:00:00 | veritas funding, llc | 1083712D | BBG0079Q0DH0 | 0.833163 | -0.576878 | 0.153778 | 0.136688 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | On XX/XX/XXXX I received a yellow card in the mail telling me to call an XXXX XXXX number immediately about a closing on a mortgage with Veritas Funding. I got the mortgage in XXXX of 2015 and it was sold to XXXX the same year. It has also been sold by XXXX to XXXX mortgage. When I called the XXXX number it had me enter a mortgage id number and the dropped my call. As a result, I called Veritas directly and was told that is looked like fraud. They had me scan the card I received and reported it through their company. I have not noticed any fraudulent charges on my credit cards and have a credit freeze on my credit bureau accounts. Veritas also verified that the XXXX number on the card is not their XXXX number.
XXXX XXXX XXXX | null | UT | 84117 | null | Consent provided | Web | 2017-10-23T00:00:00 | Closed with explanation | Yes | null | veritas funding, llc | 0.996305 |
2020-06-30T00:00:00 | veritas funding, llc | 1083712D | BBG0079Q0DH0 | 0.800511 | -0.490263 | 0.104861 | 0.13837 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | At the time I obtained the mortgage prompting this complaint, I was not a XXXX XXXX XXXX XXXX, as I am now, nor had I been for a couple of years. I have since renewed my license, here in UT ( XXXX XXXX XXXX ). This complaint is derived from what I understand to be several compliance issues. I have tried my best to resolve this with the company and have offered them ample opportunity to remedy. I feel as though, not only is this what I should do as a consumer, but more importantly as a XXXX XXXX XXXX. On or near the first of XX/XX/XXXX, I sought out Veritas Funding , LLC ( Veritas, company ), with the specific intent to obtain a XXXX XXXX Homestyle XXXX ( Homestyle ) loan. Several years prior, I had worked for the company and knew then President, XXXX XXXX ( XXXX ). He told me Veritas did originate the homestyle loan and that he would connect me with a loan officer who is experienced with that product. The next day I received a phone call from XXXX XXXX ( XXXX ). I talked with him about why I wanted to switch from a construction loan to a homestyle loan, which would cancel my application with XXXX XXXX XXXX XXXX and put it with Veritas. He asked if I would send him the lending scenario I was looking for and asked that I copy XXXX and XXXX XXXX ( XXXX ). I did just that, with the email ( s ) subject line of, Homestyle Renovation No Cash Out Quote Request. I applied for the mortgage on the afternoon of Friday, XX/XX/XXXX. On XX/XX/XXXX Veritas locked my loan, for 45 days. I received the first loan estimate ( LE ) on XX/XX/XXXX. We were not ready to close by the XX/XX/XXXX expiration date and an extension was needed. I was charged for this first extension. On XX/XX/XXXX I received a closing disclosure ( XXXX XXXX and was told that the increased amount in Loan Costs Origination line A was because it was locked on the wrong program and when it was switched to the homestyle loan there was a negative adjustment to price. ( Mind you, I did not understand, at the time, that this was not a bona-fide change of circumstance. ) The explained benefit was that rather than an extension it was a new lock, which did not have a cost associated as it was new rather than being extended. But the lock, overall, had a cost due to the program type. I had been told that the last extension was at no cost to me, via text message with XXXX and email from XXXX. The change of circumstance did show a change to the homestyle loan, but it wasnt until I went through the classes, when renewing my license, that I learned more about TRID and understood Veritas shouldnt have charged me for their mistake. Further, the Disclosure Tracking documents in the loan file they sent me, show a consumer requested program change, which is not the case. Additionally, I paid {$400.00} to the HUD Consultant for a service that I could not shop for, upon his first visit to my home on XX/XX/XXXX. This fee has not been accounted for properly on any of the disclosures. Veritas had told the contractor how much money could be requested as an advance, {$110000.00}, extending one half of all funds including the contingency reserves. When I looked up and sent the homestyle guidelines to XXXX and XXXX, I was told that they would check with their investor and would stay within guidelines. I expressed that I felt the amount they suggested was too much, that I wanted guidelines to be followed, and that my contractor was willing to receive a smaller advance. Rather than one half of the [ building ] material funds, Veritas cut a a single party check to the contractor, for the full {$180000.00}. By this time, I thought my right of recission was over and there was nothing I could do. In XX/XX/XXXX, I wrote a QWR to Veritas, and to their investor ( my servicer ) XXXX. In XX/XX/XXXX, both answered that they investigated and found no error ( s ). Veritas wrote they were not bound by the XXXX XXXX Homestyle guidelines, but were bound to the Loan Agreement ( the construction contract ). They did not send a copy of the contract but wrote that I could request it. XXXX did send the document, with their answer and a copy of Veritas answer. The loan agreement was a blank at closing, except for my signature in two places and the notary. Had I not signed it, the closing would have been delayed. The document was completely blank, without parties, without property, without terms, void any information aside from my signature. Veritas filled it in, and did not offer me a copy to acknowledge nor agree to the terms. Veritas also had the rider updated without allowing me to acknowledge the change before it was recorded. I have emails from title verifying that my contract was blank at closing and they do not have a completed copy. I have emails from title verifying the update to the rider without my acknowledgment. On or around the XXXX of XXXX, XXXX, I requested a copy of all my LE and CD documents. I received them on XX/XX/XXXX. On XX/XX/XXXX Veritas attempted to cure the differences between section B on the Loan E and section B on the CD. I did not cash the check because there were still material errors on the disclosures. I tried many times via phone and email to reconcile these errors with Veritas. They have refused to talk to me about the remaining issues. I decided to rescind my mortgage because of the continued errors in the disclosure of the finance charges associated with my mortgage. I stopped making payments in XX/XX/XXXX, while I put together an airtight notice, in hopes that they would finally investigate and comply with regulations. I sent the Notice of Rescission to Veritas on the XX/XX/XXXX. Rather than unwinding the transaction, Veritas responded on XX/XX/XXXX via their attorney. I have not retained legal council and am sending my response back to them as soon as this complaint is done. | null | UT | 84094 | null | Consent provided | Web | 2020-06-30T00:00:00 | Closed with monetary relief | Yes | null | veritas funding, llc | 0.996305 |
2021-03-24T00:00:00 | veritas funding, llc | 1083712D | BBG0079Q0DH0 | 0.829068 | 0.061831 | 0.005807 | 0.298902 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I submitted a complaint last year regarding TRID tolerance violations committed by Veritas Funding , LLC ( " Veritas '' ) complaint ID XXXX. This is not a duplicate of that complaint, rather it is a complaint regarding further violations as Veritas pretends to be servicing a mortgage that has been rescinded.
Veritas originated a rate and term refinance conventional mortgage on my primary residence in XXXX of XXXX. They sold my loan to XXXX, who sold it to XXXX. Eventually, Veritas had to buy the loan back from these entities after I brought to light they had completed terms in a blank contract sent to them with my closing package, without my knowledge, and used that contract to sell the mortgage FOR PROFIT.
Due to TRID tolerance violations left outstanding, and Veritas ' unwillingness to acknowledge and cure those violations, I had no choice but to rescind the mortgage in XX/XX/XXXX.
Veritas refused to acknowledge the rescission and rather than unwinding the transaction, they hired an attorney. I filed the aforementioned CFPB complaint not long after, in XX/XX/XXXX.
Veritas answered the complaint by admitting TILA and UDAAP violations, lying about a cash out refinance, and offered me a tolerance cure - POST RESCISSION ( another violation ) along with another incorrect Closing Disclosure ; they misrepresented {$400.00} I paid outside of closing.
I have not cashed the tolerance cure check ( s ), extended by Veritas.
THE CFBP DID NOTHING REGARDING THESE GROSS VIOLATIONS!
Veritas has continued to send me notices since then, on a monthly basis, as though they are servicing the loan. This past week, I received a letter from a debt collecting law firm, telling me I was in default on my mortgage and could be facing acceleration of the mortgage and potential foreclosure if I did not pay them over {$33000.00}.
The failure of Veritas Funding , LLC to follow Federal Lending Statutes, to continue to act in the capacity of a servicer after being given notice of a lawful rescission, to attempt to collect on a debt that does not exist, and to consistently act in bad faith prompts me to file another complaint.
I have not attached the monthly statements, as I have not yet scanned them. But, I can if requested. | null | UT | 84094 | null | Consent provided | Web | 2021-03-24T00:00:00 | Closed with explanation | Yes | null | veritas funding, llc | 0.996305 |
2021-05-04T00:00:00 | veritas funding, llc | 1083712D | BBG0079Q0DH0 | 0.846793 | 0.527299 | 0.470358 | 0.614817 | Debt collection | Mortgage debt | Took or threatened to take negative or legal action | Seized or attempted to seize your property | I rescinded a my mortgage loan after the lender refused to remedy material disclosures ( the fees associated with my mortgage XXXX they above what the law allows, in the timeframe allowed to them by law.
There were several Truth In Lending Act violations regarding the material disclosures associated with my mortgage.
These material disclosures were in sections A and B of both the Loan Estimate ( s ) and the Closing Disclosure ( s ).
The Truth In Lending Act requires a lender review and cure all tolerance violations within 60 days of consummation of the loan. Further, law requires the lender cure any Truth In Lending Act tolerance violations prior to the borrower bringing it to their attention.
This lender 's first tolerance cure check, left uncashed, was issued 492 days after consummation of the transaction, as defined by signing of the binding agreement ( s ).
This lender 's second tolerance cure check, left uncashed, was issued 787 days after the consummation of the transaction, as defined by signing of the binding agreement ( s ).
I rescinded the loan after the lender 's first unlawful cure attempt and before their second unlawful cure attempt.
There is no mortgage, yet this lender has filed for foreclosure on my home with the intent to sell it. The lender did not unwind the transaction, rather they hired a law firm to entice me into a settlement agreement. When that failed, they hired another law firm to foreclose on my home.
Both law firms were advised of the rescission delivered to this lender in XX/XX/XXXX.
It is unlawful to collect on a debt that doesn't exist.
This is my 3rd complaint to the CFBP about this lender, in each phase of the progression of the issue. Once complaining about the origination the loan. The second complained about servicing of the loan. And finally this last complaint about collecting a debt that does not exist. I know the Truth In Lending Act very well. I know the Real Estate Settlement Procedures Act very well. I know the Truth In Lending Act and the Real Estate Settlement Procedures Integrated Disclosure ( TRID ) rules very well. And, while this transaction was originated in the Optional Compliance phase between the XXXX implementation and XXXX compliance dates, the material disclosures would have been out of compliance for both.
This final straw of recording a default letter on my home, and attempting to move forward with a non-judicial foreclosure, is CFPB complaint worthy. I will have to take them to court for all of this and am nearly ready to file in Federal Court.
It is a shame that, as a consumer, I have taken every step available within these agencies that have been set up to " Protect '' consumers. Both on the State Level as well as the National Level.
Next will be Federal Court and filing a complaint with my local Attorney General.
To the Lender : You have been given EVERY opportunity to do the right thing. You have not acted in good faith and are the reason that portals like this one even exist. Please take a moment to reflect and make the lawful decision this time. | null | UT | 84094 | null | Consent provided | Web | 2021-05-04T00:00:00 | Closed with explanation | Yes | null | veritas funding, llc | 0.995905 |
2021-12-03T00:00:00 | veritas funding, llc | 1083712D | BBG0079Q0DH0 | 0.812215 | 0.233818 | 0.066392 | 0.370808 | Mortgage | Conventional home mortgage | Improper use of your report | Received unsolicited financial product or insurance offers after opting out | Veritas Funding ( XXXX XXXX XXXX ) sent me an official/government-looking letter in the mail insinuating that I have " Adjusted Available Funds '' in the amount of {$3200.00} on my current mortgage with XXXX Loans. This letter reeks of a predatory lender tactic and this company should not be allowed to use this very deceptive tactic to lure unsuspecting customers. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | OR | 97202 | null | Consent provided | Web | 2021-12-16T00:00:00 | Closed with explanation | Yes | null | veritas funding, llc | 0.996305 |
2022-02-10T00:00:00 | veritas funding, llc | 1083712D | BBG0079Q0DH0 | 0.812119 | -0.121267 | 0.067588 | 0.252814 | Mortgage | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | AZ | 85339 | Older American, Servicemember | null | Phone | 2022-02-10T00:00:00 | Closed with explanation | Yes | null | veritas funding, llc | 0.996305 |
2022-03-03T00:00:00 | veritas funding, llc | 1083712D | BBG0079Q0DH0 | 0.818532 | 0.542456 | 0.089029 | 0.483339 | Mortgage | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | The Company Named : Re : XXXX XXXX XXXX ( misleading name ) to a company XXXX # XXXX with address.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX MLS # XXXX Now this other agency from the same XXXX XXXX XXXX XXXX, also using my name and distributing my name without my consent for marketing and junk mail unsolicited mail. This company its using my name and personal information for marketing and solicitation. I just don't understand why this company is harassing me with unsolicited and never requested very confusing and misleaded mail loan offers. Things like XXXX XXXX XXXX - XXXX report dated XX/XX/2022 indicates that you have {$3200.00} in available funds How this company got my information, what gives the right to this company to use my name and address. Now the amount of unsolicited mail its a continuous harassment from the same corporation different addresses This company needs to respect the fact that my name is at the XXXX XXXX XXXX -out list and every credit bureau op-out list to included also the XXXX
Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where?
Please stop remove my name out their data base, and ask every marketing company not to use my name. I'm a XXXX, I'm a XXXX XXXX and also I'm a XXXX XXXX being target by this junk unsolicited mail.
I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please. Remove my name please from the headquarters and any marketing agency belonging to this company.. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX | null | FL | 33558 | Older American, Servicemember | Consent provided | Web | 2022-03-03T00:00:00 | Closed with explanation | Yes | null | veritas funding, llc | 0.996305 |
2022-04-13T00:00:00 | veritas funding, llc | 1083712D | BBG0079Q0DH0 | 0.818853 | -0.137379 | 0.09614 | 0.259204 | Mortgage | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | null | Junk Unsolicited never requested Junk mail again and again. From the same ZIP code XXXX Today XXXX XXXXNew junk reference called : XXXX file number XXXX Ask where and how they obtain my personal information why are these letters are being mailed from the same zip code XXXX asking me to - " RESPONSE REQUIRED -NOTICE TYPE ; URGENT " ( misleading statement ) Now this other agency from the same corporation ( XXXX XXXX XXXX loan ) called themselves located at : Operations, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX utilizing the same zip code of many others ZIP XXXX. Which is the same location where they were just reported by me. XXXX XXXX. At XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX its using to harassing me continuously. I feel like this - https : //www.vfund.com/Branches VERITAS FUNDING XXXX And its a misleading name ( XXXX XXXX XXXX XXXX ). Its also using my name and distributing my name without my consent for marketing and junk mail unsolicited mail into a system that continuous abuse and harass me over and over. This company 's https : //www.vfund.com/Branches and XXXX XXXX XXXX are using my name and personal information for marketing and solicitation. Targeting me because IM A united states veteran with a XXXX XXXX. Were are they getteing my name, why this letters are being mailed from the same zip code?
I just don't understand why this company is harassing me with unsolicited and never requested mail and loan offers. How this company got my information ( I I had never hear of this company ), what gives the right to this company to use my name and address. Its not good to request to be removed, they will continue over and over. This company don't UNDERSTAND NO for an answer, Now the amount of unsolicited mail its a continuous harassment from the same corporation different addresses and bank names, Today is ( Veritas funding from - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone:XXXX ) last week was ( This XXXX hide their address no address to ask or request them to stop ) each week its a different bank from the same zip code.
This company needs to respect the fact that my name is at the XXXX XXXX XXXX -out list and every credit bureau op-out list to included also the DMA. Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where?
Please stop remove my name out their data base, and ask every marketing company 's not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this junk unsolicited mail. I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please.
I will never DO BUISNESS WITH A LISLEADING LEADER NO address No real phone numbers misleading operators ( all they want its your personal info ) Remove my name please from the headquarters and any marketing agency belonging to this company.. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT-Respect the fact that my name its at the OP - Out list at the three credit bureaus and the XXXX I will contact the attorney general in UT if this harassment don't stop.
Today XXXX Based on this link : https : XXXX If the letter comes from a private company but was designed to mimic a government document, thats deceptive in my legal opinion, says fraud attorneyXXXX XXXX.
These kinds of scams use public information about your mortgage to bolster their case for legitimacy. They also may include official-looking logos to give recipients a sense of security logos from the FDIC, an ATM network, or the Treasury Department XXXX for example.
And, as fraud attorney XXXX XXXX pointed out, you should report the fraud attempt to your state attorney generals office or the federal Consumer Financial Protection Bureau.
Reference # XXXX https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX Now this other agency from the same corporation ( XXXX XXXX XXXX loan ) its a misleading name. Its also using my name and distributing my name without my consent for marketing and junk mail unsolicited mail. This company XXXX XXXX XXXX is using my name and personal information for marketing and solicitation.
I just don't understand why this company is harassing me with unsolicited and never requested mail and loan offers. How this company got my information ( I I had never hear of this company ), what gives the right to this company to use my name and address. Now the amount of unsolicited mail its a continuous harassment from the same corporation different addresses. ( This XXXX hide their address no address to ask or rrequest them to stop ) This company needs to respect the fact that my name is at the XXXX XXXX XXXX -out list and every credit bureau op-out list to included also the XXXX. Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where?
Please stop remove my name out their data base, and ask every marketing company not to use my name. I'm a XXXX, I'm a war veteran and also I'm a XXXX XXXX being target by this junk unsolicited mail.
I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please.
Remove my name please from the headquarters and any marketing agency belonging to this company.. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT-Respect the fact that my name its at the OP - Out list at the three credit bureaus and the XXXX I will contact the attorney general in TX if this harassment don't stop.
Please see evidence attached.. This junk misleading mail its being mailed from the zip code XXXX | null | FL | 33558 | Older American, Servicemember | Consent provided | Web | 2022-04-13T00:00:00 | Closed with explanation | Yes | null | veritas funding, llc | 0.995905 |
2022-09-10T00:00:00 | veritas funding, llc | 1083712D | BBG0079Q0DH0 | 0.824329 | -0.582761 | 0.138638 | 0.126735 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | I received a written letter and it " appeared '' to be from XXXX XXXX my existing lender, stating that i had available funds in my account. It seemed like there was a escrow balance available to me for {$3200.00} ( titled available funds ). After following up on it, it was actually a solicitation from another bank altogether called Veritas Funding. This is clearly disceptive marketing practices to lure an uninformed borrower and it needs to be stopped immediately. | null | ID | 83835 | null | Consent provided | Web | 2022-09-10T00:00:00 | Closed with explanation | Yes | null | veritas funding, llc | 0.996305 |
2022-10-12T00:00:00 | veritas funding, llc | 1083712D | BBG0079Q0DH0 | 0.824839 | 0.003661 | 0.179835 | 0.336112 | Mortgage | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | CONTINUOS AND PERSISTENCE HARRASTMENT I had already asked this compny not to contact me on XX/XX/2022 Today XXXX Once again.
Veritas Funding LLC -NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX This time with XXXX File ID Number XXXX. XXXX ID XXXX.
Contact Phone number XXXX Ever since XX/XX/2022. I had been requesting this company to Please stop, not contact me no longer, stop harassing me with this junk mail. Misleading letters that reads CHANGES TO MY VA LOAN UNDERSTADING YOUR VAILABLE VA XXXX XXXX XXXX Veritas Funding responded on XX/XX/2022 on my case # XXXX -- -- -- -- -- -- -- -- -- Veritas Funding takes consumer complaints very seriously and would like to apologize about receiving the unwanted mail. Sending these types of letters is common practice in the mortgage industry. Once a consumer has purchased a home their mortgage information including the amount of equity they may have in their home, becomes public. We have added the consumers information to our opt out database and they will no longer receive any phone calls, emails, text or mailers from Veritas Funding in the future.
-- -- -- -- -- -- -- -- -- -- -- - This seems to be not a truth statement -- -- -- - Today XXXX Once again what I strongly feel its a misleading envelope and a note. I had never requested to be added to this junk harassment list. I don't understand how to make this company understand that I do not need nor I wanted any type of communication with this company. I will never do buisness with a company who writes me a letter with a non-returned address this was my request on XX/XX/2022, its very clear that this company is either sale or distributing my information. I HAD CLEARLY ASKED NOT TO BE CONTACTED BY Veritas Funding LLC -NMLS # XXXX This company its using my personal information for unsolicited marketing junk I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please. Remove my name please from the headquarters and any marketing agency belonging to this company.. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT- Please see attached Junk mail CHANGES TO MY VA LOAN? - asking me to respond between five days. Please ask this company to stop. STOP I do not need/ I do not want/ I haven't requested this junk mail. This is becoming a harassment See below old letter..
OLD REQUESTING LETTER XXXX case # XXXX Junk Unsolicited never requested Junk mail again and again. From the same ZIP code XXXX Today XXXX -New junk reference called : XXXX file number XXXX Now this other agency from the same corporation ( XXXX XXXX XXXX XXXX ) called themselves located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX utilizing the same zip code of many others ZIP XXXX. Which is the same location where they were just reported by me. XXXX XXXX At XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX its using to harassing me continuously. I feel like this - https : //www.vfund.com/Branches VERITAS FUNDING XXXX And its a misleading name ( VA HOME EQUITY FUNDS ). Its also using my name and distributing my name without my consent for marketing and junk mail unsolicited mail into a system that continuous abuse and harass me over and over. This company 's https : //www.vfund.com/Branches and https : //mortgage.texanabank.com are using my name and personal information for marketing and solicitation. Targeting me because IM A united states veteran with a VA Loan. Were are they getteing my name, why this letters are being mailed from the same zip code?
I just don't understand why this company is harassing me with unsolicited and never requested mail and loan offers. How this company got my information ( I I had never hear of this company ), what gives the right to this company to use my name and address. Its not good to request to be removed, they will continue over and over. This company don't UNDERSTAND NO for an answer, Now the amount of unsolicited mail its a continuous harassment from the same corporation different addresses and bank names, Today is ( XXXX funding from - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ) last week was ( This texanabank.com hide their address no address to ask or request them to stop ) each week its a different bank from the same zip code.
This company needs to respect the fact that my name is at the XXXX XXXX Opp -out list and every credit bureau op-out list to included also the XXXX Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where?
Please stop remove my name out their data base, and ask every marketing company 's not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this junk unsolicited mail. I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please.
I will never DO BUISNESS WITH A MISLEADING LETTER NO address No real phone numbers misleading operators ( all they want its your personal info ) Remove my name please from the headquarters and any marketing agency belonging to this company.. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT-Respect the fact that my name its at the OP - Out list at the three credit bureaus and the XXXX I will contact the attorney general in TX if this harassment don't stop.
Today XXXX XXXX on this link : XXXX : XXXX If the letter comes from a private company but was designed to mimic a government document, thats deceptive in my legal opinion, says fraud XXXX XXXX.
These kinds of scams use public information about your mortgage to bolster their case for legitimacy. They also may include official-looking logos to give recipients a sense of security logos from the FDIC, an ATM network, or the Treasury Department XXXX for example.
And, as fraud attorney XXXX XXXX pointed out, you should report the fraud attempt to your state attorney generals office or the federal Consumer Financial Protection Bureau.
Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX Now this other agency from the same corporation ( XXXX XXXX XXXX XXXX ) its a misleading name. Its also using my name and distributing my name without my consent for marketing and junk mail unsolicited mail. This company https : //mortgage.texanabank.com is using my name and personal information for marketing and solicitation.
I just don't understand why this company is harassing me with unsolicited and never requested mail and loan offers. How this company got my information ( I I had never hear of this company ), what gives the right to this company to use my name and address. Now the amount of unsolicited mail its a continuous harassment from the same corporation different addresses. ( This texanabank.com hide their address no address to ask or rrequest them to stop ) This company needs to respect the fact that my name is at the XXXX XXXX XXXX -out list and every credit bureau op-out list to included also the XXXX Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where?
Please stop remove my name out their data base, and ask every marketing company not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this junk unsolicited mail.
I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please.
Remove my name please from the headquarters and any marketing agency belonging to this company.. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT-Respect the fact that my name its at the OP - Out list at the three credit bureaus and the XXXX I will contact the attorney general in TX if this harassment don't stop.
Please see evidence attached.. This junk misleading mail its being mailed from the zip code XXXX | null | FL | 335XX | Older American, Servicemember | Consent provided | Web | 2022-11-01T00:00:00 | Closed with explanation | Yes | null | veritas funding, llc | 0.996305 |
2022-10-25T00:00:00 | veritas funding, llc | 1083712D | BBG0079Q0DH0 | 0.794309 | 0.015262 | 0.056041 | 0.288537 | Mortgage | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | XXXX XXXX XXXX Current Legal Name : XXXX XXXX XXXX XXXX ID : XXXX Location ( s ) : XXXX, AZ XXXX Represents : Veritas Funding , LLC XXXX XXXX ) Sending fake document requesting call in and then asks for ssn.
Fake VA XXXX XXXX belonging to homeowner | null | CA | 92069 | null | Consent provided | Web | 2022-11-18T00:00:00 | Closed with explanation | Yes | null | veritas funding, llc | 0.996305 |
2023-01-31T00:00:00 | veritas funding, llc | 1083712D | BBG0079Q0DH0 | 0.827399 | -0.104115 | 0.11442 | 0.279235 | Mortgage | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | CA | 95973 | Older American | Consent not provided | Web | 2023-01-31T00:00:00 | Closed with explanation | No | null | veritas funding, llc | 0.996305 |
2023-05-09T00:00:00 | veritas funding, llc | 1083712D | BBG0079Q0DH0 | 0.826104 | -0.669587 | -0.011857 | 0.04822 | Mortgage | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | Received misleading mailer, which looks like an official document, but is actually just an advertisement. The envelope specifically states " Response Required ''. The Ad itself states that there are changes and has an year on the top right, which makes it look like it came from the IRS or other government source. | null | WA | 98391 | Servicemember | Consent provided | Web | 2023-05-09T00:00:00 | Closed with explanation | No | null | veritas funding, llc | 0.996305 |
2023-07-27T00:00:00 | veritas funding, llc | 1083712D | BBG0079Q0DH0 | 0.82722 | -0.127687 | 0.025932 | 0.241822 | Mortgage | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | OH | 44275 | Older American | null | Phone | 2023-07-27T00:00:00 | Closed with monetary relief | Yes | null | veritas funding, llc | 0.996305 |
2024-01-20T00:00:00 | veritas funding, llc | 1083712D | BBG0079Q0DH0 | 0.828343 | -0.405722 | -0.222464 | 0.066719 | Mortgage | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | Fees or costs during the application process | I was called by Veritas Mortgage in XX/XX/XXXX to refinance my property and receive a cash out. I also had did some shopping around. The mortgage broker promised a lot of items that as today I now no that they were not true. He did not disclose about the points that they would charge. I did not discover until after the fact. During the process my disclosure changed three different times. Items I was told in the beginning I could not shop for and the company ended up using their own individuals associated with their company at a high price. My original interest rate was 3.1 %, originally, I was told my interest would be around 5 % only. My credit score was a XXXX. I was charged over {$15000.00} as origination fee {$14000.00} being represented as points but was not. with an administrative fee of almost XXXX Appraisal fee excessively high as well credit report {$130.00}. There was an error in my homeowner 's insurance the amount prepaid was the same amount as the year XXXX This lets me know that no one was called, I called the VA mortgage section, and they said what was done was not right but illegal and VA was not told about that excessive number of points. I would have never agreed to this. I was exploited and large amount of money that should have come to me went to them Veritas Funding. I have been directed also to file a complaint with VA and shall do. My loan was immediately sold to a sub-prime mortgage company. I was sent a 1098 and the money that was indicated for points was not stated. They said when asked Veritas should also send me a 1098 but has not as of yet. Veritas is predatory lender as well as XXXX. | null | IN | 463XX | Older American, Servicemember | Consent provided | Web | 2024-01-20T00:00:00 | Closed with monetary relief | Yes | null | veritas funding, llc | 0.996305 |
2024-04-12T00:00:00 | veritas funding, llc | 1083712D | BBG0079Q0DH0 | 0.865843 | -0.239584 | 0.052944 | 0.226401 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | null | null | UT | XXXXX | null | null | Web | 2024-04-12T00:00:00 | In progress | Yes | null | veritas funding, llc | 0.996305 |
2017-09-21T00:00:00 | real estate solutions | 1337193D | BBG00B9QVYJ9 | 0.832126 | -0.35634 | 0.119902 | 0.198563 | Mortgage | Other type of mortgage | Struggling to pay mortgage | null | Hello my name is XXXX XXXX XXXX I have problems with this company real state solutions on XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX I was told from them that they will help me with my modification and they did n't do it ... They told me is better for you to sale your home so ... I ask no no. No. That 's why you are helping me ... If you not doing nothing please give me my money back and they say no we are not going to give you the money back I say to them but you told me ... If we can not help you we are going to give you the money back ... .. The bank were I was diposit the money is chase # XXXX I was diposit {$500.00} evry month .... Please help me I need your help thank you | null | CA | 90221 | null | Consent provided | Web | 2017-11-06T00:00:00 | Untimely response | No | null | real estate solutions | 0.92244 |
2019-02-21T00:00:00 | real estate solutions | 1337193D | BBG00B9QVYJ9 | 0.80396 | -0.554967 | 0.244451 | 0.164481 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Ive tried to get inquiries deleted off my XXXX report but they are giving me a Hassel I have no knowledge of the inquires on my report | null | NJ | 07111 | null | Consent provided | Web | 2019-02-21T00:00:00 | Untimely response | No | null | real estate solutions | 0.934516 |
2020-07-15T00:00:00 | moran financial group llc | 1368651D | BBG00BV60630 | 0.819516 | -0.240233 | 0.101899 | 0.227061 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | On XX/XX/2020 I contact Mrs.XXXX XXXX to assist me a purchasing my first home. Okay missed while collecting all my information got everything she asked me to get. XXXX XXXX induced me to XXXX XXXX the realtor, He show me homes from XXXX to the second week of XXXX and that's when I pick out the home that I wanted. Gave them {$2000.00} earnest money pay {$600.00} for the appraiser and XXXX for the inspection. Everything was going good but I had to get like three extensions because all parties could not get in touch with Mr. XXXX week later waiting on the XXXX to approve and to look over the papers making sure everything was in order. XXXX was approve XXXX XXXX. XXXX XXXX didn't contact me until XXXX XXXX after XXXX XXXX. XXXX XXXX Weekend. Asking for more documentation that which I had already turned into Miss XXXX XXXX XXXX XXXX had left the company.I got a phone call on XX/XX/XXXX from XXXX XXXX stated that he would be taking over the long process of me going to the closing of my first home as time went by XXXX nothing no call ) 2 weeks I haven't heard anything from Mr. XXXX so I decided to get him a call myself he always send me to the voicemail or text me stating he's in a meeting, or he will call me after XXXX. So I decided to call Realtor XXXX he stated that he been trying to call and get in touch with him also also the the seller couldn't even get in touch with him we all have text messages going back and forth with XXXX XXXX so the founder was he has been holding my loan for 90 days and the seller decide to pull out of course I lost my {$2000.00} I wasting my time with XXXX with the appraiser and XXXX for the inspection I called and let him know what was going on he was trying to call Miss XXXX back the seller I asked for another 30-day extension. All the time he never sent me the CD for closing so when I asked him since I lost my money What he going to do to accommodate me my {$2000.00} earnest money {$600.00} appraisal fee. XXXX XXXX told me there's nothing he could do because it wasn't his fault all I'm asking him to do is give me my {$2000.00} back for the earnest money my {$600.00} appraisal and my inspection and call it a day he told me he would never give me anything because it wasn't his fault. I have proof of everything. And I really feel he was very unprofessional always texting won't pick up the phone to call always give you different lies, or he always in a meeting, or or he's taking care of his dad going out of town.So my point is how can XXXX work on my loan a try to get me closing and you doing all these extra activities there for you never looked at my folder or try to get me close and never sent me the CD before the closing.
XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) | null | GA | 303XX | null | Consent provided | Web | 2020-08-11T00:00:00 | Closed with explanation | No | null | moran financial group llc | 0.923624 |
2016-02-16T00:00:00 | affiliated management services | 1725688D | BBG00PGF0137 | 0.860724 | -0.171089 | 0.475622 | 0.388419 | Debt collection | Medical | Disclosure verification of debt | Not given enough info to verify debt | null | null | MO | 64150 | null | null | Phone | 2016-02-22T00:00:00 | Closed with explanation | No | No | affiliated management services | 0.911404 |
2016-05-10T00:00:00 | affiliated management services | 1725688D | BBG00PGF0137 | 0.993483 | 0.485635 | 0.541522 | 0.673547 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt resulted from identity theft | this company has kept on its record an account that is fraudulent was from my identity being and stolen and used to receive goods and servicews without my permission this company keeps this fraud account on their records in additoin to reporting it to the credit bureaus when knowing it is fake | Company believes it acted appropriately as authorized by contract or law | NC | 27604 | null | Consent provided | Web | 2016-05-10T00:00:00 | Closed with explanation | No | No | affiliated management services | 0.911404 |
2016-10-26T00:00:00 | affiliated management services | 1725688D | BBG00PGF0137 | 0.993303 | -0.126488 | 0.456917 | 0.441244 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt was discharged in bankruptcy | null | Company believes the complaint is the result of a misunderstanding | MO | 64134 | null | Consent not provided | Web | 2016-10-27T00:00:00 | Closed with explanation | Yes | No | affiliated management services | 0.911404 |
2018-02-06T00:00:00 | affiliated management services | 1725688D | BBG00PGF0137 | 0.989349 | -0.170121 | 0.148318 | 0.322515 | Debt collection | Medical debt | Communication tactics | You told them to stop contacting you, but they keep trying | null | Company believes the complaint is the result of a misunderstanding | NC | 27265 | null | Consent not provided | Web | 2018-02-06T00:00:00 | Closed with explanation | Yes | null | affiliated management services | 0.911404 |
2018-06-26T00:00:00 | specialized management services, inc. | 1725688D | BBG00PGF0137 | 0.850023 | -0.101606 | 0.183385 | 0.310601 | Debt collection | Medical debt | Written notification about debt | Didn't receive enough information to verify debt | Did not give HIPPA authorization to 3rd party collection agency access to PHI or medical information. | null | TX | 77035 | null | Consent provided | Web | 2018-06-26T00:00:00 | Closed with explanation | Yes | null | specialized management services, inc. | 0.90485 |
2019-03-20T00:00:00 | specialized management services, inc. | 1725688D | BBG00PGF0137 | 0.851454 | -0.236951 | 0.203025 | 0.272509 | Debt collection | Medical debt | Threatened to contact someone or share information improperly | Talked to a third-party about your debt | I receive calls from numerous numbers daily. I tend to ignore because im either working or are aware of the calls. I have 3 accounts in collections with Specialized Management in XXXX Mississippi. All accounts are medical. XXXX XXXX XXXX XXXX.
Original Creditor : XXXX XXXX XXXX- XX/XX/XXXX BAL {$850.00} Original Creditor : XXXX XXXX XXXX- XX/XX/XXXX BAL {$1100.00} Original Creditor : XXXX XXXX XXXX- XX/XX/XXXX BAL {$740.00} On XX/XX/XXXX i recieved a call from a company called XXXX XXXX XXXX also known as SMG which would be Specialized management group company. I recieved the call from a out of state number than my area code reflects. I was informed that the job i had applied for months ago on XXXX was now available. I was proceeded to be asked how long had i been at my job because punctuality is very important. Then i was proceeded to verify my current job and where i worked. Once given the information, i was given a number to call back and ext in case i had any questions. Once i took the number i was told that the interview would be held in XXXX MS . Although before that she needed my email and my address. Once i realized that this was far fetch because if i applied you have my address. I disconnected the call. Once disconnected i then XXXX the info given to me and found spoofing apps and no known locations. I declared that this was a creditor. I then called SMG to ask my options becasue this was getting out of hand i was given my options. I was told the minimum that i could pay was {$50.00}. I explained i could not do that and asked could i do 5 or 10 i was informed i could bering it in or mail it in. I received a call hours later from my dad congratulating me on a promotion i had received since my manager called to get his recommendation. There was no promotion the same person that called me then called to verify where i said i worked and to ask my dad to verify my address so they could send me information and not knowing he gave them the information. He proceeded to call the number back once the called dropped and there was no trace. This information was received illegitimately. | null | TX | 75081 | null | Consent provided | Web | 2019-03-20T00:00:00 | Closed with explanation | No | null | specialized management services, inc. | 0.90485 |
2020-09-21T00:00:00 | affiliated management services | 1725688D | BBG00PGF0137 | 0.848198 | -0.316198 | 0.183385 | 0.238462 | Debt collection | Medical debt | Written notification about debt | Didn't receive enough information to verify debt | Received a notice today from Affiliated Management Services XXXX XXXX About a debt from XXXX XXXX XXXX XXXX XXXX. No one has seen any XXXX in years. AMS directed us to contact XXXX XXXX.
When speaking to XXXX XXXX they said that they sent a bill 42 times. The original debt, from 2016. This is absurd since we both had insurance, and XXXX account, and never received any notice. When asked for the original bill or copy, we were told no since the attempt had been made 42 times allegedly. There would be no copy sent and since it was sent to collection it was out of their hands.
Our concern is if this is a valid bill, we can't verify. We presume it was for a XXXX during that year but since it is so long ago it's hard to verify much less correct something that may have well been a billing issue ( sadly, insurance has since changed as well ).
So now we are stuck with a debt in collections that we can not confirm is even ours, confirm that this is outside of the co-pay much less the deductible for that year. Worse, the XXXX money that could have been used is gone and current monies can not be used against this. | null | MO | XXXXX | null | Consent provided | Web | 2020-09-21T00:00:00 | Closed with explanation | Yes | null | affiliated management services | 0.911404 |
2021-10-14T00:00:00 | affiliated management services | 1725688D | BBG00PGF0137 | 0.847857 | -0.202958 | 0.183385 | 0.276095 | Debt collection | Medical debt | Written notification about debt | Didn't receive enough information to verify debt | null | null | AL | 36535 | null | Consent not provided | Web | 2021-10-14T00:00:00 | Closed with explanation | Yes | null | affiliated management services | 0.911404 |
2021-10-26T00:00:00 | affiliated management services | 1725688D | BBG00PGF0137 | 0.841864 | -0.192294 | -0.378051 | 0.090506 | Debt collection | I do not know | Communication tactics | You told them to stop contacting you, but they keep trying | null | null | MO | 64138 | null | null | Phone | 2021-10-26T00:00:00 | Closed with explanation | Yes | null | affiliated management services | 0.911404 |
2022-03-16T00:00:00 | affiliated management services | 1725688D | BBG00PGF0137 | 0.845681 | 0.368088 | 0.519928 | 0.577899 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was result of identity theft | XXXX and Affiliated Management have continued collection activity despite not properly obtaining and mailing debt verification after a I've exercised my 1692g rights. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation requests from a consumer, to cease collection of debt until the collection agency obtains verification of debt and mails it to the consumer. They have also been advised they are in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Act. Furthermore, I have never signed a Hippa release form with the below alleged creditors. Therefore these are inaccurate Hippa violations and I want them deleted immediately. Hippa laws protect my personal medical information from being used without my personal consent and you are now aware of these Hippa violations delete immediately. Account Name Account Number Balance Monthly Payment AFFILIATED MANAGEMENT Reported : XXXX XXXX, XXXX {$430.00} Balance {$430.00} Highest Balance {$430.00} Opened XXXX XXXX, XXXX ( 3 yrs, 1 mo ) Account status Open Type Unpaid Responsibility Individual Account.
Remarks Medical Original Creditor Name XXXX XXXX XXXX Closed No Info Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by PURCHASE or ASSIGNMENT, and authorization under subtitle D of the ARRA, SEC, 13401. APPLICATIONOF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.
The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. | null | NC | 27105 | null | Consent provided | Web | 2022-03-16T00:00:00 | Closed with explanation | Yes | null | affiliated management services | 0.911404 |
2022-07-26T00:00:00 | affiliated management services | 1725688D | BBG00PGF0137 | 0.842841 | -0.134866 | 0.523858 | 0.410611 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | null | null | TX | 76039 | null | Consent not provided | Web | 2022-07-26T00:00:00 | Closed with explanation | Yes | null | affiliated management services | 0.911404 |
2023-08-16T00:00:00 | american management services, inc. | 1725688D | BBG00PGF0137 | 0.829403 | -0.157408 | 0.116886 | 0.262961 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | null | NV | 89104 | null | Consent not provided | Web | 2023-09-19T00:00:00 | Closed with explanation | Yes | null | american management services, inc. | 0.885119 |
2014-01-17T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.240023 | -0.201006 | 0.433147 | 0.157388 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt was paid | null | null | OR | 97415 | null | null | Phone | 2014-01-27T00:00:00 | Closed | No | No | western mercantile agency, inc | 0.882698 |
2014-08-11T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.340732 | -0.152461 | 0.431541 | 0.206604 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt is not mine | null | null | OR | 97305 | null | null | Web | 2014-08-13T00:00:00 | Closed with explanation | Yes | No | western mercantile agency, inc | 0.898932 |
2014-11-01T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.444038 | -0.147053 | 0.651195 | 0.31606 | Debt collection | Medical | Taking/threatening an illegal action | Threatened to sue on too old debt | null | null | OR | 97394 | Older American, Servicemember | null | Web | 2014-11-01T00:00:00 | Closed | Yes | No | western mercantile agency, inc | 0.882698 |
2015-04-27T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.992572 | -0.198468 | 0.289211 | 0.361105 | Debt collection | Mortgage | Cont'd attempts collect debt not owed | Debt is not mine | null | Company chooses not to provide a public response | OR | 97423 | null | null | Referral | 2015-04-30T00:00:00 | Closed with explanation | Yes | Yes | western mercantile agency, inc | 0.898932 |
2015-07-23T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.995448 | -0.447063 | 0.093428 | 0.213938 | Debt collection | I do not know | Cont'd attempts collect debt not owed | Debt is not mine | Western mercantile is garnishing my wages. The judgment is no longer valid. It was never renewed. This was confirmed by an attorney I have talked with. | Company chooses not to provide a public response | OR | 97477 | null | Consent provided | Web | 2015-07-29T00:00:00 | Closed with explanation | Yes | No | western mercantile agency, inc | 0.882698 |
2015-08-14T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.862908 | -0.177159 | 0.433147 | 0.372965 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt was paid | null | null | OR | 97459 | null | Consent not provided | Web | 2015-08-27T00:00:00 | Closed with explanation | Yes | No | western mercantile agency, inc | 0.882698 |
2016-04-15T00:00:00 | great western financial services, inc. | 1750445D | BBG00QDC2DT9 | 0.980848 | -0.184636 | -0.134569 | 0.220548 | Mortgage | Other mortgage | Loan modification,collection,foreclosure | null | null | Company believes the complaint is the result of a misunderstanding | TX | 78640 | null | null | Postal mail | 2016-08-24T00:00:00 | Closed with monetary relief | Yes | No | great western financial services, inc. | 0.899711 |
2016-05-30T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.988279 | -0.002523 | 0.621883 | 0.535879 | Debt collection | Medical | Taking/threatening an illegal action | Threatened to sue on too old debt | null | Company believes it acted appropriately as authorized by contract or law | OR | 97415 | Servicemember | Consent not provided | Web | 2016-05-30T00:00:00 | Closed with explanation | Yes | No | western mercantile agency, inc | 0.898932 |
2016-08-15T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.989766 | -0.151131 | 0.431541 | 0.423392 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt is not mine | null | Company believes it acted appropriately as authorized by contract or law | OR | 97601 | null | Consent not provided | Web | 2016-08-15T00:00:00 | Closed | Yes | No | western mercantile agency, inc | 0.898932 |
2017-02-27T00:00:00 | great western financial services, inc. | 1750445D | BBG00QDC2DT9 | 0.838708 | -0.606511 | 0.043474 | 0.09189 | Mortgage | Conventional fixed mortgage | Application, originator, mortgage broker | null | I started the loan process with a company. The first error was with loan interest rates and points. I was told one thing and then suddenly the amounts were different. I was told by the broker I would not be charged for an appraisal until that was the only thing left to finalize the loan and the loan was going to be approved. I was sent an email saying there was an issue in underwriting and suddenly everyone stopped communicating with me. Then, I got a call from a lender verifying more info. I called the broker and she acted like she had no idea what was going on and said she would check into things and get back to me. It has been over a week and I am still out {$550.00} for the appraisal and I have no idea about the status of my loan. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TX | 77449 | null | Consent provided | Web | 2017-03-28T00:00:00 | Closed with monetary relief | Yes | No | great western financial services, inc. | 0.899711 |
2017-05-02T00:00:00 | great western financial services, inc. | 1750445D | BBG00QDC2DT9 | 0.981595 | -0.048408 | 0.12607 | 0.353086 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | null | Company believes the complaint is the result of a misunderstanding | CO | 80537 | null | Consent not provided | Web | 2017-05-19T00:00:00 | Closed with monetary relief | Yes | null | great western financial services, inc. | 0.899711 |
2017-06-21T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.847019 | -0.355176 | 0.402687 | 0.298177 | Debt collection | Medical debt | Communication tactics | Frequent or repeated calls | XXXX17 received phone call after paying {$3000.00} to the agency that i owed another {$16.00}, I said i would take care of it online, a week later they called back and then called my husband asking for the {$16.00} payment. Pushing for me to pay over the phone that day. I paid it. Previously to all this, I set up payments which I paid as per the agreement, but only after I was forced into providing them my bank statements and other documents not necessary to set up payments, I told them the amount I was comfortable paying and they argued with me with unreasonable payment amounts. I felt threatened that if I did n't agree to them they would garnish my or my husband 's paychecks even though we made payments each month and even sometimes twice per month. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | OR | 97420 | null | Consent provided | Web | 2017-06-21T00:00:00 | Closed with explanation | Yes | null | western mercantile agency, inc | 0.898932 |
2018-02-07T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.843476 | -0.074767 | 0.125262 | 0.29799 | Debt collection | Medical debt | Threatened to contact someone or share information improperly | Talked to a third-party about your debt | null | null | OR | 97420 | Servicemember | Consent not provided | Web | 2018-02-07T00:00:00 | Closed with explanation | Yes | null | western mercantile agency, inc | 0.898932 |
2018-02-21T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.984138 | 0.369902 | 0.467902 | 0.607314 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | I have been repeatedly harassed by Western Merchantile Agency in XXXX XXXX Oregon for a debt that is not mine. They have contacted me multiple times via mail, which I have called each time and informed them they have the wrong person. They call me insistently and every time I inform them they have the wrong person. Finally, after months of harassment, I asked for them to send me documentation of this debt showing why this was mine. The information they sent me showed a different last name, different middle initial, different address, birthday, and everything. Only thing the same was the phone number, which is fairly new to me in the last couple years, which I let them know and they still refuse to stop calling and contacting me. | Company disputes the facts presented in the complaint | OR | 97420 | null | Consent provided | Web | 2018-02-21T00:00:00 | Closed with explanation | Yes | null | western mercantile agency, inc | 0.898932 |
2018-06-20T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.851804 | -0.195642 | 0.459944 | 0.372035 | Debt collection | Medical debt | Communication tactics | Frequent or repeated calls | null | null | null | null | null | null | Phone | 2018-06-25T00:00:00 | Closed with explanation | Yes | null | western mercantile agency, inc | 0.882698 |
2018-07-11T00:00:00 | great western financial services, inc. | 1750445D | BBG00QDC2DT9 | 0.971372 | -0.278987 | 0.244451 | 0.312278 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Requested basic information from Great Western Home Loans, NLMS XXXX, on XX/XX/2018 through XXXX XXXX. Great Western ran my credit without my authorization. Spoke with other lenders on from XXXX XXXX and they did not run my credit. Spoke with XXXX XXXX on same day and they also agreed that no authorization was given for them to run my credit. Great Western parent company XXXX XXXX, out of XXXX, MD, is the company on my report that ran my credit without my written consent or verbal consent. Police report has been filed as well per the request of XXXX. Agent in question is XXXX XXXX. NLMS XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. XXXX. | Company disputes the facts presented in the complaint | TX | 77583 | null | Consent provided | Web | 2018-07-11T00:00:00 | Closed with explanation | Yes | null | great western financial services, inc. | 0.899711 |
2018-11-09T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.841396 | 0.482974 | 0.498649 | 0.607673 | Debt collection | Medical debt | Took or threatened to take negative or legal action | Threatened to sue you for very old debt | My wife had a small XXXX XXXX on her XXXX and did not pay the full amount to Dr because we were not able because of my spouse had to go on leave of absence because of a XXXX XXXX needing XXXX in XX/XX/XXXX this year.My spouse is a veteran and tried to get help from the va because of a XXXX XXXX due to damages inflicted by military service.However this request is still in appeal the collection agency Western Mercantile Agency , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX ph XXXX sent me a letter stating i owe {$690.00} plus {$100.00} dollars in intrerest for a total of {$790.00} dollars Stating that i have 20 days from XXXX-18 to pay in full or they will take legal action if so i would pay attorney fees and court cost.They also stated that interest would compound as long as debt was not paid.At the time of this letter i only work part time at XXXX XXXX and my spouse is on medical leave and only draws social security.I tried calling this agency this morning XXXX-18 and got no answer.can you help me?
Thanks Mrs XXXX XXXX/XXXX XXXX spouse | null | OR | 97471 | Servicemember | Consent provided | Web | 2018-11-09T00:00:00 | Closed with explanation | Yes | null | western mercantile agency, inc | 0.898932 |
2019-04-04T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.983866 | -0.537156 | 0.330939 | 0.259216 | Debt collection | Medical debt | Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | I Received a call from Western Merchantile in XXXX XXXX Oregon 2 1/2 months ago.
Talked to a XXXX who informed me that I had a medical bill from 15-17 years ago.
I told her that was very odd considering how old it was and how we just paid off all of our medical bills with XXXX. I told her when we did we specifically asked them if there were anymore bills with them. They informed us we were clear!
When XXXX called about this bill, I informed her, in the 15-17 years, this is the very first time I have ever made aware of this medical bill!
I do not have a clue what it was for, nothing.
She wanted to collect . I told her I was going through a divorce and work was slow I wasnt working. I had nothing!!!
I told her the monies I had, I have a XXXX year old daughter that I have custody that I have to think about & keep a roof over her head.
XXXX then informed me she would call me back in 3 months to see where I was at and arrange a payment plan.
I went to use my debit card on XX/XX/19 at a grocery store having {$1300.00} in my checking account. My card was denied do to insufficient funds. I had another card from an account that had a bit of $ left in it that was the joint account from when I was married. I used it and it too was denied due too insufficient funds..
I looked at my bank account and it said western merchantile {$1100.00}.
I contacted my bank first thing XX/XX/19 and they had informed me that western merch. Had garnished my account.
This has come to surprise to me as I had not received 1 phone call nor did I receive 1 letter in the mail.
XXXX did not call me To set up any payment plan like she agreed.
I had written checks to pay my rent, my power bill. Those checks obviously are no good now due to her taking my money from my checking account without notice. I have been penalized for the checks by my bank. I have also been charged {$120.00} in garnishment fees by my bank, leaving me with a negative balance and no monies to pay for my daughters medications!
I want something done about this as it was crooked the way Weatern Merchantile went about this!!!!
I know NOTHING about this medical bill!!! | Company believes it acted appropriately as authorized by contract or law | OR | 974XX | null | Consent provided | Web | 2019-04-04T00:00:00 | Closed with explanation | Yes | null | western mercantile agency, inc | 0.898932 |
2019-04-09T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.837115 | -0.329762 | -0.455498 | 0.017285 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | null | null | OR | 974XX | null | Other | Web | 2019-04-09T00:00:00 | Closed with explanation | Yes | null | western mercantile agency, inc | 0.898932 |
2019-05-31T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.850775 | -0.145519 | 0.419754 | 0.375003 | Debt collection | Medical debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | null | null | OR | 97501 | null | null | Phone | 2019-06-06T00:00:00 | Closed with explanation | Yes | null | western mercantile agency, inc | 0.882698 |
2020-03-12T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.983395 | 0.314871 | 0.55723 | 0.618499 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | A debt occurred in my name only on XX/XX/XXXX. In XX/XX/XXXX my debts, including this one was discharged in Bankruptcy court in Oregon. in approx. XX/XX/XXXX I received a collection letter for the XX/XX/XXXX debt. I sent them a letter stating the debt was discharged. The Doctors office sent another collection letter, via a collection agency, to my wife who was not a patient of the doctor and was only listed as another person living in the household. She has never signed any agreement or been in the doctors office at all.
We sent a letter telling the collection agency that the bill was not her 's.
The collection agency sent a threat of legal action letter in response. | Company believes it acted appropriately as authorized by contract or law | OR | 974XX | Older American | Consent provided | Web | 2020-03-12T00:00:00 | Closed with explanation | Yes | null | western mercantile agency, inc | 0.898932 |
2020-07-08T00:00:00 | great western financial services, inc. | 1750445D | BBG00QDC2DT9 | 0.974028 | -0.109524 | 0.065163 | 0.309889 | Mortgage | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | Company believes the complaint is the result of a misunderstanding | TX | 76137 | null | Consent not provided | Web | 2020-07-14T00:00:00 | Closed with non-monetary relief | Yes | null | great western financial services, inc. | 0.899711 |
2020-10-12T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.831045 | 0.413016 | 0.518728 | 0.587596 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | Western Mercantile Agency INC of XXXX XXXX Oregon. They call me about unpaid medical bills. I pay the XXXX in full with a bank debit card. Western Mecrcantile refuses to email a receipt or send a receipt via USPS, offered a receiptif I drove 16 moles to their office.. I drive to their office and spoke with the supposed Director named XXXX. She also refused to give me a receipt, stating the debit card had not deposited the funds. My vank states the funds were debited from my account. I was refused proof of payment by Western mecantile. | null | OR | 97420 | Servicemember | Consent provided | Web | 2020-10-12T00:00:00 | Closed with explanation | Yes | null | western mercantile agency, inc | 0.898932 |
2021-01-14T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.848881 | -0.284512 | -0.052593 | 0.170592 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | Western Mercantile located in XXXX XXXX, Oregon XX/XX/2021. The phone representative told me I have 3 unpaid accounts with XXXX XXXX Hospital. I said ok how much? She told me I owed {$1000.00}. So I gave her my debit card information and paid in full. Which the funds were immediately taken from my checking account. I asked for a receipt and detailed invoice including account numbers and a receipt for funds paid. She refused. I then asked to speak to her manager. I got the owner instead. The owner stated to me she couldn't send me a receipt because the funds need to process. Huh? It was directly taken out of my account while on the phone. I asked for a receipt on letter head. If she can just type that out and mail it to me. She refused. She told me that it was against their company policy to mail receipt and invoices. I am going to dispute payment with my bank. This business is a scam. They didn't even offer me a dispute resolution. Just took my money and refused to give me a receipt. After I told her she was practicing her collection business illegally. She said you can send me a self addressed stamped envelope. She would get it to me if she had the information. Which wouldn't be available till 10 business days. I told her you stole my money on false pretenses. Asking for a detailed receipt of payment on 3 separate accounts is not unreasonable. She refused yelled at me and hung up. This business needs to be shut down. I was litterly robbed. Just robbed and treated like junk. All I did was ask for a detailed invoice and receipt of money paid. | null | OR | 97420 | null | Consent provided | Web | 2021-01-29T00:00:00 | Closed with explanation | Yes | null | western mercantile agency, inc | 0.882698 |
2021-08-05T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.83474 | -0.149734 | 0.34255 | 0.342519 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | null | null | OR | 97459 | null | null | Referral | 2021-08-20T00:00:00 | Closed with explanation | Yes | null | western mercantile agency, inc | 0.898932 |
2022-06-17T00:00:00 | western management consultants | 1750445D | BBG00QDC2DT9 | 0.75219 | -0.489943 | -0.154116 | 0.036043 | Payday loan, title loan, or personal loan | Payday loan | Was approved for a loan, but didn't receive the money | null | So I got a phone call this morning XX/XX/2022 it was a western Management consultant telling me that I owed money to XXXX XXXX XXXX XXXX and I gave them my bank info later I called XXXX XXXX XXXX they said I didnt owe them any money so I called my bank and stoped payment on it and was told to file a complaint they said if I pay {$120.00} that they would stop the collection process | null | CA | 95670 | null | Consent provided | Web | 2022-06-30T00:00:00 | Closed with explanation | Yes | null | western management consultants | 0.91588 |
2022-07-07T00:00:00 | western management consultants | 1750445D | BBG00QDC2DT9 | 0.825857 | -0.257756 | 0.30074 | 0.289614 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | I applied for a XXXX XXXXXXXX on XX/XX/2022 and got denied because they said that I had poor performance on another card with the same creditor but nothing about already having a XXXX XXXX. I then received a email on XX/XX/2022 stating that I was in collections for a XXXX XXXX XXXX XXXX I never took out a XXXX XXXX and I've disputed with the collection agency. This debt is not mine! | null | IA | 514XX | null | Consent provided | Web | 2022-07-07T00:00:00 | Closed with explanation | Yes | null | western management consultants | 0.91588 |
2022-09-03T00:00:00 | great western financial services, inc. | 1750445D | BBG00QDC2DT9 | 0.809333 | 0.41846 | 0.207355 | 0.478383 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | I have been applying for a mortgage loan with Great Western and because the student loans are in a transition they are being unfair using that against me. I have been on a payment process pan doing what I am supposed to do prior to all this Covid holds and etc. So because my payment shows XXXX they are attempting to put in their own monthly mortgage payment not believing what is being shown. I have had a terrible time getting documentation from student loan servicing agencies to prove it. This has been an unnecessary stressful process that is out of my control and the mortgage industry needs to find another plan to hold people accountable in regards to their student loans. It feels like I am being targeted in a political war and this company has an issue with what the government is doing with student loans. Why Am I being punished for that? The loan officers are rude. If I was a white male I wouldnt be treated or talked to the way I have been. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TX | 75154 | null | Consent provided | Web | 2022-09-03T00:00:00 | Closed with explanation | Yes | null | great western financial services, inc. | 0.899711 |
2022-09-25T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.977662 | -0.191046 | 0.467902 | 0.418173 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | null | Company believes it acted appropriately as authorized by contract or law | OR | 97465 | null | Consent not provided | Web | 2022-09-25T00:00:00 | Closed with explanation | Yes | null | western mercantile agency, inc | 0.898932 |
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CFPB Complaints
Data Notice: This dataset provides academic research access with a 6-month data lag. For real-time data access, please visit sov.ai to subscribe. For market insights and additional subscription options, check out our newsletter at blog.sov.ai.
from datasets import load_dataset
df_complaints = load_dataset("sovai/cfpb_complaints", split="train").to_pandas().set_index(["ticker","date"])
Data is updated weekly as data arrives after market close US-EST time.
Tutorials are the best documentation — Consumer Financial Complaints Tutorial
| Category | Details |
|---|---|
| Input Datasets | CFPB Filings |
| Models Used | LLMs, Parsing, Risk Scoring |
| Model Outputs | CFPB Risk Scores |
Description
This dataset provides detailed information on consumer complaints filed against financial institutions, mapped to company ticker symbols. It includes data on complaint types, company responses, and resolution status, along with derived risk scores.
This data enables analysis of consumer sentiment, regulatory compliance, and potential risks across different financial companies and products.
Data Access
import sovai as sov
df_complaints = sov.data("complaints/public")
Accessing Specific Tickers
You can also retrieve data for specific tickers. For example:
df_ticker_complaints = sov.data("complaints/public", tickers=["WFC", "EXPGY"])
Data Dictionary
| Column Name | Description |
|---|---|
| ticker | Stock ticker symbol of the company |
| date | Date the complaint was received |
| company | Name of the company the complaint is against |
| bloomberg_share_id | Bloomberg Global Share Class Level Identifier |
| culpability_score | Score indicating the company's culpability in the complaint |
| complaint_score | Score based on the severity of the complaint |
| grievance_score | Score based on the grievance level of the complaint |
| total_risk_rating | Overall risk rating combining culpability, complaint, and grievance scores |
| product | Financial product related to the complaint |
| sub_product | Specific sub-category of the financial product |
| issue | Main issue of the complaint |
| sub_issue | Specific sub-category of the issue |
| consumer_complaint_narrative | Narrative description of the complaint provided by the consumer |
| company_public_response | Public response provided by the company |
| state | State where the complaint was filed |
| zip_code | ZIP code of the consumer |
| tags | Any tags associated with the complaint (e.g., "Servicemember") |
| consumer_consent_provided | Indicates if the consumer provided consent for sharing details |
| submitted_via | Channel through which the complaint was submitted |
| date_sent_to_company | Date the complaint was sent to the company |
| company_response_to_consumer | Type of response provided by the company to the consumer |
| timely_response | Indicates if the company responded in a timely manner |
| consumer_disputed | Indicates if the consumer disputed the company's response |
| selected_name | Name used for company matching |
| similarity | Similarity score for company name matching |
Use Cases
- Risk Assessment: Evaluate the risk profile of financial institutions based on complaint data.
- Consumer Sentiment Analysis: Analyze consumer sentiment towards different financial products and companies.
- Regulatory Compliance: Monitor compliance issues and identify potential regulatory risks.
- Product Performance Evaluation: Assess the performance and issues related to specific financial products.
- Competitive Analysis: Compare complaint profiles across different financial institutions.
- Geographic Trend Analysis: Identify regional trends in financial complaints.
- Customer Service Improvement: Identify areas for improvement in customer service based on complaint types and resolutions.
- ESG Research: Incorporate complaint data into Environmental, Social, and Governance (ESG) assessments.
- Fraud Detection: Identify patterns that might indicate fraudulent activities.
- Policy Impact Assessment: Evaluate the impact of policy changes on consumer complaints over time.
The resulting dataset provides a comprehensive view of consumer complaints in the financial sector, enabling detailed analysis of company performance, consumer issues, and regulatory compliance.
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