what debt was showing for her that would cause us not to be approved for any of those amounts. We currently only have two debts ( student loan and auto loan ) & a higher debt total was showing in her numbers which was a contributing factor of why we werent being approved for any of the amounts requested. Ms. XXXX proceeded to inform me of credit card debt of single charges of {$29.00} with target and {$31.00} with another bank. It would have been understandable if there was a more significance balance that revolve on the card each month but that was not the case. This is self explanatory that a balance of {$29.00} would be paid prior to the end of the month. She said that if I was willing to provided proof that the credit cards are paid off she can remove them while she factors in our debt to income ratio. She also informed us that HOA fees were included in factoring our debt to income ratio although there was no specific property discussed or identified with Ms. XXXX. Nor was there any explanation on why that was being included in our debt total. She then hastily rushed me off the phone and notified me that she would run the numbers and get back with me. Hours later she sent an email with several different scenarios & informed us that we were denied and that we didn't qualify due to our debt to income ratio being too high. On the documents provided only my husband was listed as a borrower and only his income was included on all documents and scenarios. In one of the scenarios with just my husbands income we did meet criteria with the debt to income ratio she discussed but still was denied and no letter was provided. The numbers on the document also included numbers that increased our total debt total ( which increased our debt to income ratio ). I inquired why I was not listed as a borrower as we discussed and Ms. XXXX replied stating that I was included as well as my income but it is not showing with the documents that she provided. There was no further communication with Ms. XXXX after that. We thought it was an oversight or mistake that she provided documents only showing 1 income although it was clearly stated to include us both as borrowers. Ms. XXXX never rectified the situation after being notified nor did she send updated documentation.We never received a pre-qualifying letter or new documents of various scenarios showing us both as borrowers. On Tuesday

What the CFPB Record Shows About what debt was showing for her that would cause us not to be approved for any of those amounts. We currently only have two debts ( student loan and auto loan ) & a higher debt total was showing in her numbers which was a contributing factor of why we werent being approved for any of the amounts requested. Ms. XXXX proceeded to inform me of credit card debt of single charges of {$29.00} with target and {$31.00} with another bank. It would have been understandable if there was a more significance balance that revolve on the card each month but that was not the case. This is self explanatory that a balance of {$29.00} would be paid prior to the end of the month. She said that if I was willing to provided proof that the credit cards are paid off she can remove them while she factors in our debt to income ratio. She also informed us that HOA fees were included in factoring our debt to income ratio although there was no specific property discussed or identified with Ms. XXXX. Nor was there any explanation on why that was being included in our debt total. She then hastily rushed me off the phone and notified me that she would run the numbers and get back with me. Hours later she sent an email with several different scenarios & informed us that we were denied and that we didn't qualify due to our debt to income ratio being too high. On the documents provided only my husband was listed as a borrower and only his income was included on all documents and scenarios. In one of the scenarios with just my husbands income we did meet criteria with the debt to income ratio she discussed but still was denied and no letter was provided. The numbers on the document also included numbers that increased our total debt total ( which increased our debt to income ratio ). I inquired why I was not listed as a borrower as we discussed and Ms. XXXX replied stating that I was included as well as my income but it is not showing with the documents that she provided. There was no further communication with Ms. XXXX after that. We thought it was an oversight or mistake that she provided documents only showing 1 income although it was clearly stated to include us both as borrowers. Ms. XXXX never rectified the situation after being notified nor did she send updated documentation.We never received a pre-qualifying letter or new documents of various scenarios showing us both as borrowers. On Tuesday

what debt was showing for her that would cause us not to be approved for any of those amounts. We currently only have two debts ( student loan and auto loan ) & a higher debt total was showing in her numbers which was a contributing factor of why we werent being approved for any of the amounts requested. Ms. XXXX proceeded to inform me of credit card debt of single charges of {$29.00} with target and {$31.00} with another bank. It would have been understandable if there was a more significance balance that revolve on the card each month but that was not the case. This is self explanatory that a balance of {$29.00} would be paid prior to the end of the month. She said that if I was willing to provided proof that the credit cards are paid off she can remove them while she factors in our debt to income ratio. She also informed us that HOA fees were included in factoring our debt to income ratio although there was no specific property discussed or identified with Ms. XXXX. Nor was there any explanation on why that was being included in our debt total. She then hastily rushed me off the phone and notified me that she would run the numbers and get back with me. Hours later she sent an email with several different scenarios & informed us that we were denied and that we didn't qualify due to our debt to income ratio being too high. On the documents provided only my husband was listed as a borrower and only his income was included on all documents and scenarios. In one of the scenarios with just my husbands income we did meet criteria with the debt to income ratio she discussed but still was denied and no letter was provided. The numbers on the document also included numbers that increased our total debt total ( which increased our debt to income ratio ). I inquired why I was not listed as a borrower as we discussed and Ms. XXXX replied stating that I was included as well as my income but it is not showing with the documents that she provided. There was no further communication with Ms. XXXX after that. We thought it was an oversight or mistake that she provided documents only showing 1 income although it was clearly stated to include us both as borrowers. Ms. XXXX never rectified the situation after being notified nor did she send updated documentation.We never received a pre-qualifying letter or new documents of various scenarios showing us both as borrowers. On Tuesday has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. 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 We w, and the most recent logged activity is We were in, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, what debt was showing for her that would cause us not to be approved for any of those amounts. We currently only have two debts ( student loan and auto loan ) & a higher debt total was showing in her numbers which was a contributing factor of why we werent being approved for any of the amounts requested. Ms. XXXX proceeded to inform me of credit card debt of single charges of {$29.00} with target and {$31.00} with another bank. It would have been understandable if there was a more significance balance that revolve on the card each month but that was not the case. This is self explanatory that a balance of {$29.00} would be paid prior to the end of the month. She said that if I was willing to provided proof that the credit cards are paid off she can remove them while she factors in our debt to income ratio. She also informed us that HOA fees were included in factoring our debt to income ratio although there was no specific property discussed or identified with Ms. XXXX. Nor was there any explanation on why that was being included in our debt total. She then hastily rushed me off the phone and notified me that she would run the numbers and get back with me. Hours later she sent an email with several different scenarios & informed us that we were denied and that we didn't qualify due to our debt to income ratio being too high. On the documents provided only my husband was listed as a borrower and only his income was included on all documents and scenarios. In one of the scenarios with just my husbands income we did meet criteria with the debt to income ratio she discussed but still was denied and no letter was provided. The numbers on the document also included numbers that increased our total debt total ( which increased our debt to income ratio ). I inquired why I was not listed as a borrower as we discussed and Ms. XXXX replied stating that I was included as well as my income but it is not showing with the documents that she provided. There was no further communication with Ms. XXXX after that. We thought it was an oversight or mistake that she provided documents only showing 1 income although it was clearly stated to include us both as borrowers. Ms. XXXX never rectified the situation after being notified nor did she send updated documentation.We never received a pre-qualifying letter or new documents of various scenarios showing us both as borrowers. On Tuesday 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 "incomes and employment for the past two years. We notified Ms. XXXX that we wanted both my husband and I to be listed as borrowers on the pre-qualifying letter. We discussed that my husband I requested the amount of XXXX for the pre-qualifying letter. Ms. XXXX informed us that she could run several different scenarios as well. So we told her in addition to providing info on XXXX", and the single most common underlying issue is "XX/XX/2020 the latest. Ms.XXXX contacted me on Tuesday XXXX".

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 what debt was showing for her that would cause us not to be approved for any of those amounts. We currently only have two debts ( student loan and auto loan ) & a higher debt total was showing in her numbers which was a contributing factor of why we werent being approved for any of the amounts requested. Ms. XXXX proceeded to inform me of credit card debt of single charges of {$29.00} with target and {$31.00} with another bank. It would have been understandable if there was a more significance balance that revolve on the card each month but that was not the case. This is self explanatory that a balance of {$29.00} would be paid prior to the end of the month. She said that if I was willing to provided proof that the credit cards are paid off she can remove them while she factors in our debt to income ratio. She also informed us that HOA fees were included in factoring our debt to income ratio although there was no specific property discussed or identified with Ms. XXXX. Nor was there any explanation on why that was being included in our debt total. She then hastily rushed me off the phone and notified me that she would run the numbers and get back with me. Hours later she sent an email with several different scenarios & informed us that we were denied and that we didn't qualify due to our debt to income ratio being too high. On the documents provided only my husband was listed as a borrower and only his income was included on all documents and scenarios. In one of the scenarios with just my husbands income we did meet criteria with the debt to income ratio she discussed but still was denied and no letter was provided. The numbers on the document also included numbers that increased our total debt total ( which increased our debt to income ratio ). I inquired why I was not listed as a borrower as we discussed and Ms. XXXX replied stating that I was included as well as my income but it is not showing with the documents that she provided. There was no further communication with Ms. XXXX after that. We thought it was an oversight or mistake that she provided documents only showing 1 income although it was clearly stated to include us both as borrowers. Ms. XXXX never rectified the situation after being notified nor did she send updated documentation.We never received a pre-qualifying letter or new documents of various scenarios showing us both as borrowers. On Tuesday: 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.