| but I expect UWM to reimburse me the full amount which includes fees and penalties. I will also visit the XXXX XXXX Consumer Affairs XXXX to escalate this because I have a feeling UWM will say they are not responsible for unsecured tax bills as they did in their original response to my complaint ( See attached document CFPB Complaint Response No XXXX '' paragraph XXXX ) | 1 | 0.0% | in my original complaint with the CFPB |
| but I explained to her that there was no transactions anywhere close to that amount that would justify such a drop. I also explained that my daily balance emails at no point indicated I had a {$4000.00} balance. I requested an executive review and was told someone could speak to me but I had to get into work. I called back and requested to speak to a senior management official and the representative again claimed to not see what I was referencing on their end ''. It then appeared the representative was not able to comprehend my concern and began mixing up the transaction I was referencing with my current balance. The representative put me on hold to escalate '' the call but after XXXX minutes simply came back on the line to tell me a manager would be in touch within one business day. I then attempted to contact the fraud department. I was told the the app sometimes doesn't reflect what is shown online. This is nonsensical and opens consumers up to fraud and mismanagement due to failure to account for funds. I was told that the pending credit from a furniture retailer for {$6200.00} was NOT calculated as part of my daily balance because it hadn't been credited yet. However | 1 | 0.0% | I sold my home and received a net payment of {$62000.00} |
| but I fear that PHH may falsely claim they did not receive the payment | 1 | 0.0% | PHH has continued to engage in what appears to be retaliatory servicing practices. For the second consecutive month |
| but I feel for what they must do | 1 | 0.0% | previous regulator. I gave them a chance before filing this complaint. Ask them for the recorded phone calls. If you have n't |
| but I feel someone should have disclosed to me that I had more options than what they presented. I was approved for the loan and I have been the happy homeowner of my house for the past year and 6 months. | 1 | 0.0% | run my credit |
| but I feel that I 've provided enough information to get an inquiry started.,Company believes it acted appropriately as authorized by contract or law,FRANKLIN FIRST FINANCIAL | 1 | 0.0% | the seller was in contact with the closing attorney 's office the day of the closing making changes to the HUD up to 30 minutes before the closing |
| but I feel this agency should be made aware of such business practices being performed by a banking institution of this size and scope.,Company chooses not to provide a public response,BANK OF AMERICA | 1 | 0.0% | frustrating hours on the phone in an attempt to resolve a situation ( unethical |
| but I felt I was near closing and perhaps Ms. XXXX would now provide at least adequate service. | 1 | 0.0% | I emailed XXXX XXXX |
| but I felt like I didn't want to hang up in case the next Chase representative didn't know what was going on and I didn't want to lose our money. By XXXX. I decided I needed to call Chase myself and check to see what was taking so long. I told the man on the phone to call me back in XXXX minutes ( which of course he didn't | 1 | 0.0% | ( XXXX ) XXXX. It was XXXX of the same men that I was talking to the day before. He stated that the virus scan was completed and that there were XXXX different viruses detected on my account. He then said that because of this |
| but I felt that I had no choice but to comply in order to access my account. | 1 | 0.0% | my ID verification was canceled. Since then I have received a number of emails ( mostly automated ) asking me to go through the process again. I still do not have access to my account. ( Screenshots of all relevant emails are compiled and attached in a pdf. ) -I attempted the ID verification process three times. The second time |
| but I felt uncomfortable giving them that information since I had no information about them | 1 | 0.0% | but I had just received a letter from the school asking if I wanted to apply for a deferment |
| but i filed these back in XXXX of this date | 1 | 0.0% | Floridas FDACS ) enforce specific sweepstakes statutes requiring conspicuous rules and truthful |
| but I finally have record of it showing it was sent and a date of XX/XX/XXXX is on it. I even asked him multiple times for our credit report to see where we were so I could make sure we were on track. That should all be documented in the emails from XXXX. | 1 | 0.0% | and this was the first time we have ever heard of this. We thought it was odd since he had not checked any recent credit scores |
| but I finally received it at the end of XXXX. | 1 | 0.0% | this claim was denied |
| but I fought hard to get where I am | 1 | 0.0% | I am a literal orphan. I have no one on this earth. I was raised poor. By poor |
| but i found it to be unsettling when 4-5 hours later i again receive the denial letter but this time from XXXX At this point i had contact with a lawyer that was helping me with the report to the FBI who informed me the requirements of regulation E were NOT being met and suggested I request the documents to see if I received them that time. Before I could call to request I received a third denial email | 1 | 0.0% | so i once again called Chime on XXXX XXXX XXXX this time asking for a supervisor |
| but I found out she actually forgot doing that by contacting Chase customer service after waiting 2 weeks for the ordered check book and none was received. When being asked about the reason | 1 | 0.0% | but I was sick on that day so I wrote an email to the banker to reschedule. The banker did not reply as usual and did not answer phone either. I wrote another email on XX/XX/2020 to follow up |
| but I found out this isnt the case. I think they should have done due diligence and at least explored the issue in a timely enough manner that whatever paperwork needed to be corrected could be done. | 1 | 0.0% | but that it was all set. In XXXX I was notified via phone call that the deed had my maiden name ( XXXX XXXX & XXXX XXXX ) and that the loan modification was in my married name ( XXXX XXXX ) so they needed a copy of my marriage certificate which I sent that day. I called several times for updates. I was then informed that we would need to start this process all over and I would need to change the name on the deed. I escalated this to superviser level during multiple calls. I was always told they would get back to me and they never did. This process has dragged on for over a year despite our fest attempts to respond to requests in a timely manner. We were notified by a new mortgage servicer in XXXX that they would be acquiring our loan in XXXX. TMS reported our loan as delinquent twice despite assuring us payments didnt need to begin until loan modification finalized. TMS also informed us that the federal Covid protections expired in XXXX. Despite the fact that we had already notarized and returned the documents we were told that they now have no obligation to help us. We had the first negative credit report removed in late XXXX XXXX. About a week ago my credit score dropped dramatically and I see that TMS reported us as XXXX delinquent. We made payments in XXXX |
| but I get hung up on | 1 | 0.0% | THE MERCHANT GAVE CHASE THE WRONG INFORMATION AND CHASE NEVER LOOKED INTO IT AND BLINDLY ACCEPTED IT. This has been ongoing since XX/XX/year> |
| but I got misled into some magical help soon to come + {$39.00} over-limit ( after lowering credit line and reversing a dispute on a balance from the past disputes ) + {$2800.00} finance ( in the belief that Citi was helping me ) + {$190.00} late ( {$25.00} in XXXX XXXX reason unknown & {$160.00} from XXXX XXXX thru XXXX XXXX after XXXX XXXX misled me and I'd her stop autopay ) __________ + {$3100.00} 100 % unjustified Citi charges just from these six-seven years and much more from XXXX XXXX thru XXXX XXXX not tallied here An employee XXXX XXXX who was assigned by Citi 's then CEO | 1 | 0.0% | I permanently stopped using the cc from XXXX XXXX and kept paying the minimum payment in good faith in the same hopes as narrated above to get a favorable resolution of my disputes. Total disputes in six-seven years were {$1600.00} that were abandoned by the Citi Disputes Department + {$3200.00} XXXX XXXX beginning balance with finance charges - {$9600.00} XXXX XX/XX/XXXX XXXX total of my payments + {$8000.00} XXXX XX/XX/XXXX XXXX purchases ( mostly except ~ {$500.00} scattered in the six-seven years ) - {$2000.00} XXXX XX/XX/XXXX XXXX returns ( mostly except ~ {$300.00} scattered in the six-seven years ) - {$1600.00} XXXX XX/XX/XXXX XXXX disputes ( mostly except ~ {$300.00} scattered in the six-seven years ) __________ - {$1800.00} overpayment |
| but I graduated in XXXX and started making payments in XXXX. | 1 | 0.0% | how theyve been applied |
| but I guess they simply had more trust in a straangers word over the phone than to actually try to contact me. She also informed me letters were sent to my mailing address | 1 | 0.0% | my car got repossessed. I called the bank and they informed me that payments were not being made on the account. I questioned how that was possible and they informed me auto bill pay was never set up completely. I told her that I spoke with someone in XX/XX/XXXX to setup auto pay and she looked into their call logs and said it never happened. There was a record of me calling but nowhere in the notes did it talk about auto pay. Baffled that they had been receiving payments for months |
| but I had already found another place to live so I wasn't left homeless! The manager was never available to speak to & was always in meetings ''! I had to find another place to live because my parents were moving out of state! The unit was not up to the health code & unsanitary. I was not about to risk my health again after they initially lied to me! In fact | 1 | 0.0% | the first lease signed was incorrect & had to be re-drafted. It had an incorrect move-in date & did not have the promotion they offered listed. The employee had me sign a second lease! When I told them the place was disgusting |
| but I had already paid my rent and it was more than twice the amount that I pay.,,Chime Financial Inc,CO,80222,,Consent provided,Web,2023-08-02,Closed with explanation,Yes,N/A,7342073 | 1 | 0.0% | I sent them proof that I had to order a new phone |
| but I had just had my due diligence period extended and I was on a serious time crunch. So I let it go. | 1 | 0.0% | which was unusual. This was a DCSR loan. I knew she needed to verify me as a guarantor on my business loan |
| but I had no missed calls or voicemails. | 1 | 0.0% | and the manager at my PNC Branch elevated the case to PNC corporate in XXXX |
| but I had not set up the App | 1 | 0.0% | without any pre warning : Apple converted the $ ( XXXX ) cash back credit to {$62.00} Debit ; ( Not even to Zero |
| but I had several more ). | 1 | 0.0% | I kept the representative on the phone for over an hour |
| but I had to access my account another way | 1 | 0.0% | I contacted CareCredit Synchrony Bank . I spoke to someone overseas who assured me that my account and payment amount would be acceptable and that I had an interest-free period that would be acceptable if I made the minimum payment showing on my statement. Since I only used that account once for a medical procedure and was not regularly charging on the account |
| but I had to call back the next day to dispute the pending charges. I called PNC back on XX/XX/XXXX to dispute the charges | 1 | 0.0% | PNC did not notify me of any of these unusual transactions happing on my account. I have had this account since XXXX |
| but I had to have it removed because it didnt belong to me | 1 | 0.0% | I do have an issue and many experiences thats considered a mixed credit file. This likely could be the issue with Phoenix Financial Services and the account reported to credit reports. Mixed Credit files has been an issue for me for years. Like for example |
| but I had to quickly move to the right so the truck and trailer wouldn't collide with me. Unfortunately | 1 | 0.0% | I was traveling on XXXX XXXX near XXXX |
| but I had uploaded XXXX of my XXXX XXXX and my XXXX tax return | 1 | 0.0% | on XX/XX/XXXX |
| but I have all other copies and emails. | 1 | 0.0% | was told several times that I would close on the loan tomorrow or next week. After 3 months of submitting ALL necessary paperwork |
| but I have an email | 1 | 0.0% | they finally deposited checks. There were two males |
| but I have an XXXX | 1 | 0.0% | and then had a new card reissued to me |
| but I have been harmed. I am in the process of buying a house and this low score and sudden drop will affect what I purchase. I believe Discover cancelled the second card and invented their KEY FACTORS '' which are all intentional lies in retaliation for my complaint to your agency. Again | 1 | 0.0% | dropped over 100 points since my first dealing with Discover. After I received their email |
| but I have been left out of resources. But unitl today Seterus | 1 | 0.0% | including yourself |
| but I have been told since the home does n't have equity they ca n't help me refinance. I have paid my bills every month in the past 9 years | 1 | 0.0% | XXXX I received a letter from New York Community Bank ( XXXX ) |
| but I have been trying to resolve this for weeks! | 1 | 0.0% | XXXX |
| but I have consistently tried to communicate with Loancare and follow their instruction | 1 | 0.0% | which would have given me to the end of XX/XX/XXXX. I then applied for the last 90 day extension on or around XX/XX/XXXX which would have given me until the end of XX/XX/XXXX. I received on XX/XX/XXXX an APPROVAL of the forebearance extension. On or around XX/XX/XXXX I went online to view my account and the extension I received was not honored. They had led to me believe it was by sending me a confirmation |
| but I have had your account corrected and up to date. | 1 | 0.0% | XXXX XXXX Mon |
| but I have lost my respect for you. I dont enjoy getting transferred 4 -5 times over 3 hours on the phone to try to get answers to these matters. I will say that some of your employees are far more understanding than the unsigned letters I received. Your claim letters dont even contain a return address where you can be contacted | 1 | 0.0% | Case # XXXX with Detective XXXX XXXX |
| but I have multiple documents from their own websitedating back to XXXX clearly show the original loan amount was {$13000.00}. At no point in my records does it indicate any other amount. | 1 | 0.0% | after submitting my employment paperwork |
| but I have n't heard back from her | 1 | 0.0% | on XXXX XXXX |
| but I have never been more grateful to be recognized for my achievements and be able to pursue my studies. I know that at the end of this 5 year program | 1 | 0.0% | on top of working up to XXXX hours a week at minimum wage jobs. Thus |
| but I have never been subjected to such scrutiny. The majority of Americans own a variety of devices | 1 | 0.0% | but at the time |
| but I have never denied this bill with Optimum Outcomes XXXX | 1 | 0.0% | 1 time a year ago I did get a new credit card and had to update my expiration date which I called and did that to keep current |
| but I have never had any relationship or agreement with this company. | 1 | 0.0% | XXXX is reporting several accounts that are either inaccurate |
| but I have never heard of anything like what is happening to me ). | 1 | 0.0% | and they are not taking it seriously. It is maddening that I can not contact anyone to get access to my money. They are extremely slow to respond |
