the servicer responded that they are proceeding with the review '' regardless of my objections and will assess the {$100.00} fee without my authorization. They stated this is standard process '' they can not waive '' because doing so would constitute preferential treatment. '' This language indicates they have systematically charged this improper fee to other borrowers for federally exempt transfers.The servicer is creating an unauthorized debt by proceeding with a fee I have repeatedly refused to consent to. They are charging me for administrative notation of a three-year-old federally exempt transfer that their systems failed to recognize earlier. This is not a bona fide service requiring paymentit is an arbitrary fee extracted for acknowledging what federal law already requires them to recognize.,,FIRST UNITED BANK AND TRUST COMPANY,OK,73034,,Consent provided,Web,2025-11-19,Closed with explanation,Yes,N/A,17374256

What the CFPB Record Shows About the servicer responded that they are proceeding with the review '' regardless of my objections and will assess the {$100.00} fee without my authorization. They stated this is standard process '' they can not waive '' because doing so would constitute preferential treatment. '' This language indicates they have systematically charged this improper fee to other borrowers for federally exempt transfers.The servicer is creating an unauthorized debt by proceeding with a fee I have repeatedly refused to consent to. They are charging me for administrative notation of a three-year-old federally exempt transfer that their systems failed to recognize earlier. This is not a bona fide service requiring paymentit is an arbitrary fee extracted for acknowledging what federal law already requires them to recognize.,,FIRST UNITED BANK AND TRUST COMPANY,OK,73034,,Consent provided,Web,2025-11-19,Closed with explanation,Yes,N/A,17374256

the servicer responded that they are proceeding with the review '' regardless of my objections and will assess the {$100.00} fee without my authorization. They stated this is standard process '' they can not waive '' because doing so would constitute preferential treatment. '' This language indicates they have systematically charged this improper fee to other borrowers for federally exempt transfers.The servicer is creating an unauthorized debt by proceeding with a fee I have repeatedly refused to consent to. They are charging me for administrative notation of a three-year-old federally exempt transfer that their systems failed to recognize earlier. This is not a bona fide service requiring paymentit is an arbitrary fee extracted for acknowledging what federal law already requires them to recognize.,,FIRST UNITED BANK AND TRUST COMPANY,OK,73034,,Consent provided,Web,2025-11-19,Closed with explanation,Yes,N/A,17374256 has accumulated 1 consumer complaint in the CFPB public database, with filings active across 0 U.S. states. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to I re, and the most recent logged activity is I responde, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, the servicer responded that they are proceeding with the review '' regardless of my objections and will assess the {$100.00} fee without my authorization. They stated this is standard process '' they can not waive '' because doing so would constitute preferential treatment. '' This language indicates they have systematically charged this improper fee to other borrowers for federally exempt transfers.The servicer is creating an unauthorized debt by proceeding with a fee I have repeatedly refused to consent to. They are charging me for administrative notation of a three-year-old federally exempt transfer that their systems failed to recognize earlier. This is not a bona fide service requiring paymentit is an arbitrary fee extracted for acknowledging what federal law already requires them to recognize.,,FIRST UNITED BANK AND TRUST COMPANY,OK,73034,,Consent provided,Web,2025-11-19,Closed with explanation,Yes,N/A,17374256 reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "explaining that : Section 18 is a due-on-sale clause that Garn-St. Germain prohibits them from enforcing for my transfer The transfer is federally exempt and requires no lender approval or consent The servicer has no legal discretion to deny the transfer", and the single most common underlying issue is "which prohibits fees other than for services actually performed '' Their own cited XXXX XXXX guide requires fees to be actual cost '' for third-party expenses like credit reports".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating the servicer responded that they are proceeding with the review '' regardless of my objections and will assess the {$100.00} fee without my authorization. They stated this is standard process '' they can not waive '' because doing so would constitute preferential treatment. '' This language indicates they have systematically charged this improper fee to other borrowers for federally exempt transfers.The servicer is creating an unauthorized debt by proceeding with a fee I have repeatedly refused to consent to. They are charging me for administrative notation of a three-year-old federally exempt transfer that their systems failed to recognize earlier. This is not a bona fide service requiring paymentit is an arbitrary fee extracted for acknowledging what federal law already requires them to recognize.,,FIRST UNITED BANK AND TRUST COMPANY,OK,73034,,Consent provided,Web,2025-11-19,Closed with explanation,Yes,N/A,17374256: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.