in XX/XX/XXXX

104 consumer complaints filed with the CFPB

This page summarizes consumer complaints about in XX/XX/XXXX products filed with the CFPB. 104 complaints have been filed across 94 companies. The most commonly reported issue is "Equifax".

104
Total Complaints
94
Companies
Equifax
Top Issue

Companies with Most in XX/XX/XXXX Complaints

# Company Complaints
1 even though the date of first delinquency ( DOFD ) was XX/XX/XXXX. This re-aging artificially extended the accounts reporting period in direct violation of the FCRA and established XXXX guidelines. 3
2 I have no knowledge of the account 2
3 intended to punish a consumer for actively defending their rights. 2
4 XXXX 2
5 the requirement for the money I had to provide never ended. First 2
6 and false information. As my financial situation IMPROVED with my refi lowering my % on mortgage 2
7 customer disputes after resolution 2
8 and the buyer 2
9 and my questions were never answered. 2
10 we mailed the first payment for the modified loan via check since we were instructed we were unable to make the first payment via electronic transfer over the phone as we had previously been doing. 1
11 one person said that they thought it might be that when they investigated some of the charges 1
12 a lapse that raises significant concerns about compliance with mandatory disclosure requirements and the overall integrity of the credit reporting process. 1
13 and so the problem must be with Capital One. They too attempted to assuage me by initiating a research request. 1
14 the account was updated without issue. 1
15 driver 's license 1
16 and deducted funds from my PayPal account in the amount of the refund. Not only did PayPal deduct funds for the refund 1
17 yet continued to report to credit bureaus that I am in default instead of forbearance. In late XXXX 1
18 when I received the XX/XX/XXXX statement I noticed that no payment was received for XX/XX/XXXX. I called XXXX XXXX XXXX and she could not explain what happened to the XXXX XXXX XXXX and that she thought the suspense money had been applied to the principal. We were very angry as we do not have any more money and we were never advised or asked if it was OK and the Modification paperwork did not state anything like that. We tried to get Fay servicing to fix this but they want us to agree to a repayment plan or stay behind a month on our mortgage which show us delinquent of 30 day. So after all this work to be honest and pay our mortgage Fay Servicing put us right back in the same hardship pre-modification. As an unemployed XXXX Veteran I am on a tight budget and a I can not afford. It is ashamed that Fay Servicing LLC develops these plots to force people out of their homes and make money for their clients such as XXXX who actually owns the note. Please help!,,Fay Servicing 1
19 amounting to extortion and fraud according to 15 U.S. Code 1681a. Further 1
20 XXXX says the cleaner completed the cleaning wrongly 1
21 which were submitted on XX/XX/XXXX. Despite this 1
22 I reluctantly paid a settlement of {$530.00} 1
23 finally spoke with an individual who was representing himself as being part of Synchrony 's fraud department. He indicated that the case had been investigated and that the claim I had made had been denied. Apparently 1
24 after my initial grace period expired. 1
25 for some particularly strange reason 1
26 but all he said was it was in my monthly statements. 1
27 etc. 1
28 assuming the loans are securitized and the QC results look like the QC weve done in the past. So based on a wholesale QC historical fail rate of over 35 percent ( major rep defects ) 1
29 and so the problem must be with XXXX XXXX. They too attempted to assuage me by initiating a research request. 1
30 There is no insurance or the policy expired. Ive summarized the events below because the letters never specify anything. When I call 1
31 INC.,TX,77459,,Consent provided,Web,2024-06-15,Closed with non-monetary relief,Yes,N/A,9271396 1
32 with a XXXX payment required during the 3-month term. The previous forbearance with XXXX occurred the same way : Call made to XXXX on XX/XX/XXXX ( confirmed by XXXX during call on XX/XX/XXXX. Forbearance retroactive to XX/XX/XXXX. However 1
33 I had to research and cite federal law to Capital One before they finally agreed to return the funds which they were required to do under 12 CFR 1026.21. 1
34 a clear prejudice against us 1
35 and this also factored into my demand for proper documentation. 1
36 and XXXX packages therefore we doubt that they really had sent any notifications to us. We have requested USPS to invest if there have been any misdelivery or extortion of mails. 1
37 ability to understand the terms and conditions of this alleged debt. 1
38 if I could of been making payment for XXXX then I should of been able to also make my mortgage payment. 1
39 INC.,TX,77459,,Consent provided,Web,2024-06-15,Closed with non-monetary relief,Yes,N/A,9271397 1
40 if you add the XXXX XXXX XXXX less MIP ) we are back up to XXXX. Since our hazard insurance is not up for renewal until XX/XX/XXXX 1
41 and the increased payment has created a severe financial burden. 1
42 and US Bank refused to rectify any errors on a number of items 1
43 XX/XX/XXXX 1
44 and I was told that I would not receive an email confirming this. It would be reflected on my account. I had to make a payment over the phone because of ServiceMac 's error. Please confirm that ServiceMac has waived this return fee because the return was not the consumer ( XXXX XXXX 's error ). 1
45 change the amount due. The idea is that since the agreement has been made 1
46 from PHH stating that if I wanted to dispute the account 1
47 I paid the outstanding balance immediately after speaking with the agent. Which basically was all the late fees that had accrued plus the total late amount of {$6.00}. 1
48 I continued to make full payments because I wanted them to see that I was trying in good faith to catch up. 1
49 I received a letter stating that MOHELA had made an error in forgiving my loansdespite the fact that I had worked for a government agency for 12 years. 1
50 and I dont even know what this charge is for. 1

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows for in XX/XX/XXXX

104 consumer complaints have been filed with the CFPB under the "in XX/XX/XXXX" product category, naming 94 distinct companies as the respondent. Product-level complaint counts are one of the most direct signals of where consumer friction is concentrated in the U.S. financial system — the CFPB routes each filing to the specific regulatory framework that governs its product class, so the volume here reflects real intake into federal and state consumer-protection channels, not casual survey sentiment.

Within in XX/XX/XXXX, the single most common underlying consumer complaint is "Equifax". Issue concentration inside a product category is often more diagnostic than headline volume: when one issue dominates filings, it usually points to a recurring servicing, billing, reporting, or collection pattern that touches many providers at once. The table above ranks individual companies by filing volume within this product line and includes their timely-response rate and the share of cases closed with relief — two operational metrics that help separate firms handling complaint intake smoothly from those where resolutions stall or get disputed.

Complaint volume scales with market share — the largest issuers and servicers in a category will naturally generate more filings than smaller peers even at identical complaint rates per customer. A complaint on record is a consumer allegation, not a proven violation, and a company's presence here does not imply it broke any law. Use this page to understand the contour of consumer concerns around in XX/XX/XXXX, then drill into specific companies and cross-check against the CFPB Consumer Complaint Database. This page is informational only and is not financial, legal, or regulatory advice.

Data source: CFPB Consumer Complaint Database. Product categories are defined by the CFPB. Complaint counts reflect consumer-reported data and do not imply wrongdoing by any company.

Read our methodology — how this data is sourced, computed, and verified.

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