Date received
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stringclasses 21
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stringlengths 4
48
⌀ | Issue
stringlengths 4
80
| Sub-issue
stringlengths 9
145
⌀ | Consumer complaint narrative
stringlengths 4
32.8k
⌀ | Company public response
stringclasses 11
values | Company
stringlengths 3
88
| State
stringlengths 2
36
⌀ | ZIP code
stringlengths 5
5
⌀ | Tags
stringclasses 3
values | Consumer consent provided?
stringclasses 4
values | Submitted via
stringclasses 7
values | Date sent to company
stringlengths 10
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| Company response to consumer
stringclasses 8
values | Timely response?
stringclasses 2
values | Consumer disputed?
stringclasses 2
values | Complaint ID
int64 1
8.36M
|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2021-03-16
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
ENCORE CAPITAL GROUP INC.
|
CT
|
06607
| null |
Consent not provided
|
Web
|
2021-03-16
|
Closed with non-monetary relief
|
Yes
| null | 4,218,266 |
2021-03-16
|
Debt collection
|
Medical debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
Revenue Assistance Corporation dba Revenue Group
|
OH
|
44035
| null |
Consent not provided
|
Web
|
2021-03-16
|
Closed with explanation
|
Yes
| null | 4,218,316 |
2021-03-16
|
Mortgage
|
Home equity loan or line of credit (HELOC)
|
Trouble during payment process
| null | null | null |
TCF NATIONAL BANK
|
CA
|
93933
|
Older American
| null |
Phone
|
2021-03-16
|
Closed with explanation
|
Yes
| null | 4,218,968 |
2021-03-16
|
Money transfer, virtual currency, or money service
|
Mobile or digital wallet
|
Managing, opening, or closing your mobile wallet account
| null | null | null |
Paypal Holdings, Inc
|
LA
|
71201
| null |
Consent not provided
|
Web
|
2021-03-16
|
Closed with explanation
|
Yes
| null | 4,218,324 |
2021-03-17
|
Debt collection
|
Medical debt
|
Communication tactics
|
Used obscene, profane, or other abusive language
| null | null |
CMRE Financial Services, Inc.
|
CA
|
93314
| null |
Consent not provided
|
Web
|
2021-03-17
|
Closed with explanation
|
Yes
| null | 4,221,731 |
2021-03-17
|
Debt collection
|
I do not know
|
Written notification about debt
|
Didn't receive enough information to verify debt
| null | null |
Credit Bureau Services Association
|
CA
|
90503
| null |
Other
|
Web
|
2021-03-17
|
Closed with explanation
|
Yes
| null | 4,223,747 |
2021-03-17
|
Checking or savings account
|
Checking account
|
Managing an account
|
Problem accessing account
| null | null |
Credit Karma, LLC
|
OH
|
45405
| null |
Consent not provided
|
Web
|
2021-03-17
|
Closed with explanation
|
Yes
| null | 4,223,755 |
2021-03-18
|
Debt collection
|
I do not know
|
Written notification about debt
|
Didn't receive enough information to verify debt
| null | null |
Resurgent Capital Services L.P.
|
NY
|
11050
| null |
Consent not provided
|
Web
|
2021-03-18
|
Closed with explanation
|
Yes
| null | 4,223,120 |
2021-03-18
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
NV
|
89147
| null |
Consent not provided
|
Web
|
2021-03-18
|
Closed with explanation
|
Yes
| null | 4,227,613 |
2021-03-17
|
Debt collection
|
Medical debt
|
Written notification about debt
|
Didn't receive enough information to verify debt
| null | null |
Credit Systems International, Inc.
|
TX
|
77514
| null |
Consent not provided
|
Web
|
2021-03-17
|
Closed with explanation
|
Yes
| null | 4,222,415 |
2021-03-18
|
Mortgage
|
Conventional home mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null | null | null |
Shellpoint Partners, LLC
|
MD
|
21702
| null | null |
Phone
|
2021-03-18
|
Closed with explanation
|
Yes
| null | 4,225,001 |
2021-03-18
|
Mortgage
|
FHA mortgage
|
Incorrect information on your report
|
Account information incorrect
| null | null |
Caliber Home Loans, Inc.
|
NY
|
14626
| null |
Consent not provided
|
Web
|
2021-03-18
|
Closed with explanation
|
Yes
| null | 4,225,976 |
2021-03-18
|
Credit card or prepaid card
|
General-purpose prepaid card
|
Trouble using the card
|
Trouble using the card to pay a bill
| null | null |
AMERICAN EXPRESS COMPANY
|
MA
|
01331
| null | null |
Phone
|
2021-03-22
|
Closed with explanation
|
Yes
| null | 4,224,686 |
2021-03-19
|
Mortgage
|
VA mortgage
|
Closing on a mortgage
| null | null | null |
Mr. Cooper Group Inc.
|
GA
|
31036
|
Servicemember
|
Consent not provided
|
Web
|
2021-03-19
|
Closed with explanation
|
Yes
| null | 4,231,166 |
2021-03-19
|
Debt collection
|
Other debt
|
False statements or representation
|
Attempted to collect wrong amount
|
In addition to the below complaint I also have attached Attached exhibits and Affidavit I am a Consumer and Natural Person as defined by 15 U.S. Code 1692a ( 3 ) and is afforded certain Consumer Protections under Federal Law.
I am competent to state the matters set forth herein.
I have first-hand knowledge of the facts stated herein.
All the facts stated herein are true, correct, and admissible as evidence.
If called upon as a witness I will testify to the truthfulness of the facts stated herein.
I have never created a debt with Monterey Collections.
I do not owe Monterey Collections any money.
Monterey Collections has failed to provide any documentation support their right to collect a debt from me or the authenticate any debt that is owed to them by me.
I received a letter from Monterey Collections aka Monterey Financial Services LLC purporting to be a Collection Agency attempting to collect a consumer debt on behalf of XXXX XXXX from me dated XX/XX/XXXX ( EXHIBIT 1 ).
I have never heard of or been involved in any business transactions with Monterey Collections.
I responded to Monterey Collections by submitting a debt validation letter dated XX/XX/XXXX ( EXHIBIT 2 ) via XXXX certified mail.
I requested the following reasonable documents to validate and prove that Monterey Collections has both the legal right to collect a debt from me and that the alleged debt belongs to me and is accurate : a. Any contract or agreements between me and Monterey Collections creating an alleged debt.
b. Any contract or agreement between Monterey Collections and the alleged original creditor authorizing a debt to be collected from me.
c. Any certified documents of reassignment between Monterey Collections and the alleged original creditor that authorizes the legal collection of any debt from me d. An itemized statement from the alleged original creditor that a debt is owed by me for an alleged business transaction to include ( 1 ) the charge-off balance and itemized principal, interest, charges and fees ; ( 2 ) itemized post charge-off interest, charges and fees ; and ( 3 ) a description of the debtors obligation to pay.
e. A signed contract between me and the alleged original creditor bearing the signature proving a legal and binding contract actually exist.
f. A copy of Monterey Collections business license issued by the City of Chicago that is required of any debt collection agency attempting to collect a debt on Chicago residents effective XX/XX/XXXX as defined by XXXX of the Chicago Municipal Code.
The request for validation letter was received by Monterey Financial Services LLC on XX/XX/XXXX under XXXX certified mail # XXXX ( EXHIBIT 3 ).
Monterey Collections responded with a letter dated XX/XX/XXXX ( EXHIBIT 4 ) attaching a copy of an alleged contract from XXXX XXXX containing a Truth in Lending disclosure ( EXHIBIT 5 ) and a copy of a alleged Loan Summary from XXXX XXXX ( EXHIBIT 6 ). Ignoring the request for the remainder of the reasonable documents requested by the Consumer as part of the debt validation process.
I ( the Consumer ) then submitted a second letter dated XX/XX/XXXX ( EXHIBIT 7 ) requesting the remainder of the documents I required to validate the alleged debt via XXXX certified mail # XXXX ( EXHIBIT 8 ).
The second request for validation/verification documents were received by Monterey Collection on XX/XX/XXXX at XXXX.
Monterey Collections responded to me with a letter dated XX/XX/XXXX ( EXHIBIT 8A ) attaching a copy of an alleged contract from XXXX XXXX XXXX EXHIBIT 5 ) and a copy of a alleged Loan Summary from XXXX XXXX XXXX EXHIBIT 6 ) as they did in the response to the first validation letter still ignoring the additional documentation requested to prove their authority to collect a debt from me and the accuracy of said debt.
Upon reviewing my Consumer Credit Report on I noticed that Monterey Collection Services had placed a collection/charge off on my XXXX Consumer Credit Report on XX/XX/XXXX and XXXX credit report on XX/XX/XXXX negatively affecting my credit score ( EXHIBIT 9 ).
SCHEDULE 1 ( EXHIBIT 10 ) is a XXXX XXXX amortization schedule assuming satisfactory participation in the XXXX XXXX XXXX throughout the life of the loan. This provides the timeline and amortization on a simple-interest basis with XXXX payments made at 17.99 % annual interest SCHEDULE 2 ( EXHIBIT 1XXXX ) is simply the information in the Loan Summary that Monterey Collections provided in their validation response that has been transcribed into an XXXX spreadsheet showing the current history of the alleged loan.
SCHEDULE XXXX ( EXHIBIT XXXX ) is the analyzation and recalculated loan history based on terms and activity the XXXX XXXX contract containing a Truth in Lending disclosure ( EXHIBIT XXXX ) and Loan Summary ( EXHIBIT XXXX ) that Monterey Collections provided in their response to a debt validation request of the consumer. This is a combination of the information provided regarding payments made, mixed with recalculations based on the terms stated in the XXXX in XXXX. In this schedule, any fonts in XXXX are actual amounts or information as provided, and the XXXX fonts or yellow highlights are recalculated amounts based on terms and simple interest amortization. The summarized info in the documentation states amounts Through XX/XX/XXXX, so I have extended the schedule through that date for purposes of recalculating accrued interest and missed payments. This schedule also allows for inputting additional information at the bottom of Schedule XXXX and XXXX XXXX, as well as updating the orange highlighted thru date to arrive at new updated totals.
The below listed factual conclusions are calculated using basic mathematics after reviewing the alleged Sapphire Resort contract containing a Truth in Lending disclosure ( EXHIBIT XXXX ) and the Loan History Report ( EXHIBIT XXXX ) submitted to me from Monterey Collections in response to my request for debt validation : Amounts are recalculated assuming participation in Sure Pay Plan through XX/XX/XXXX. For those amounts recalculated after XX/XX/XXXX, the standard payment amount is assumed. It is unclear as to what would trigger termination of participation in the XXXX, however based on the schedule it appears as the missed payment moves the required payment amounts up to the standard amount based on 18.99 % interest.
The XXXX contract containing the XXXX in XXXX XXXX XXXX XXXX XXXX XXXX ) says that late fees are to be charged at the greater of 5 % of the payment due or {$30.00}. For the lines where a late fee was charged, this was assumed to be {$30.00} XXXX as this is greater than 5 % of the payment ), as compared to the {$25.00} that was actually charged. In the lines where a payment was returned as Not Sufficient Funds Charge, it was assumed that the actual {$15.00} fee was accurate, however nothing is stated in the Truth in Lending Disclosure related to this amount. Based on the documentation provided to me from Monterey Collections, the total fees owed related to this are {$150.00}, however the recalculation based on the above arrives at a total fees owed of {$180.00} making the TIL inaccurate. Pursuant to XXXX XXXX Code XXXX XXXX Truth in Lending ) I would like a detailed mathematical accounting explanation as to why the information provided to me by Monterey Collections does not comply with the contract containing a Truth and Lending Disclosure provided to me in response to a request for debt validation/verification.
There are inconsistencies in how the principal and interest amounts have been allocated based on a simple interest loan amortization. The total payment owed each month is {$120.00}, which is inclusive of Principal, XXXX, and the monthly {$7.00} Impound charge as stated. With simple interest, the portion of this payment that should be charged as interest should be calculated as the beginning principal balance XXXX annual interest rate XXXX. The remaining amount left after subtracting the impound charge and interest amount from the total payment would then be applied as principal paid. It is unclear how this is being applied in the actual loan history information, however you can see the XXXX columns noted as Paid Principal and Paid Interest in Schedules XXXX and XXXX are not consistent. This data is all predicated on information provided to me from Monterey Collections as the alleged response to the debt validation request. Pursuant to XXXX XXXX Code XXXX XXXX Truth in Lending ) I would like a detailed mathematical accounting explanation as to why the information provided to me by Monterey Collections does not comply with the contract containing a Truth and Lending Disclosure provided to me in response to a request for debt validation/verification.
In the XXXX History Report XXXX XXXX XXXX ), the stated principal remaining is {$4100.00}, however based on the recalculations, it appears as though the remaining balance should be {$4100.00}. This can be seen in row XXXX of XXXX XXXX in the End Principal column. Pursuant to XXXX XXXX Code XXXX XXXX Truth in Lending ) I would like a detailed mathematical accounting explanation as to why the information provided to me by Monterey Collections does not comply with the contract containing a Truth and Lending Disclosure provided to me in response to a request for debt validation/verification.
In the XXXX History Report XXXX XXXX XXXX ), the stated unpaid interest is {$880.00}, however based on the recalculations, it appears as though the remaining balance should be {$850.00}. This can be seen in row XXXX of Schedule XXXX ( EXHIBIT XXXX ) in the Unpaid Interest column.Pursuant to XXXX XXXX Code XXXX XXXX Truth in Lending ) I would like a detailed mathematical accounting explanation as to why the information provided to me by Monterey Collections does not comply with the contract containing a Truth and Lending Disclosure provided to me in response to a request for debt validation/verification.
In the XXXX History Report XXXX XXXX XXXX ), the stated equity balance is {$1800.00}, however based on the recalculations, it appears as though the balance should be {$1800.00}. This can be arrived at by adding the Principal Paid amount to the {$600.00} downpayment. Pursuant to XXXX XXXX Code XXXX XXXX Truth in Lending ) I would like a detailed mathematical accounting explanation as to why the information provided to me by Monterey Collections does not comply with the contract containing a Truth and Lending Disclosure provided to me in response to a request for debt validation/verification.
In the XXXX History Report XXXX XXXX XXXX ), the stated amount due is {$1700.00}, however based on the recalculations, it appears as though the amount due should be {$1700.00}. This is a sum of the Unpaid Impound, Missed Payment Balance ( XXXX payment at the Sure Pay Plan amount + XXXX payments at the Standard amount ), and Late Charge Balance. The reason this is higher than the stated amount is likely due to the recalculation on the loan charge, with the assumed {$30.00} rather than {$25.00}. Pursuant to XXXX XXXX Code XXXX XXXX Truth in Lending ) I would like a detailed mathematical accounting explanation as to why the information provided to me by Monterey Collections does not comply with the contract containing a Truth and Lending Disclosure provided to me in response to a request for debt validation/verification.
XXXX. Based on the debt collection communication documents and the documents provided in response to the debt validation request I find the following Violations.
XXXX XXXX a ). In the letter dated XX/XX/XXXX XXXX XXXX XXXX XXXX Monterey Collections states XXXX XXXX will accept the above stated balance in full satisfaction of the debt if the payment is received by XX/XX/XXXX. Please be advised that in the event payment is not received by this XX/XX/XXXX, the above amount XXXX increase by the accrual of the addition interest and fees. I believe I was threatened with cost and fees within the 30 days required of statue from initial contact overshadowing my XXXX rights. In addition to that XXXX gave me 5 days to pay an alleged debt from date the initial letter was written and mailed which, if that was a fair option ( but it was not XXXX it would have been impossible to do because I did not receive the letter until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX days beyond XX/XX/XXXX. Thus violating XXXX XXXX XXXX XXXX.
XXXX. In the letter dated XX/XX/XXXX ( EXHIBIT XXXX ), which is Monterey Collections response to my timely submission request for debt validation/verification. Monterey Collections Representative XXXX XXXX uses the term you had 30 days from the date you were notified by Monterey Collections that your account had been with Monterey Collections to dispute this debt. This statement by the representative infers that I ( the XXXX ) did not submit the original request for validation in a timely manner. This was a very deceptive and misleading statement and can be proven by reviewing ( EXHIBIT XXXX & XXXX ) which shows that my request for validation letter to Monterey Collections was sent and received in their offices on XX/XX/XXXX within the 30 day window required by the Fair Debt Collections Practices Act after receiving the initial communication from Monterey Collections dated XX/XX/XXXX ( EXHIBIT XXXX ). I believe the statement was an effort to convince me ( the Consumer ) that I was out of compliance with the FDCPA thus violating XXXX XXXX XXXX XXXX & XXXX US Code XXXX ( XXXX ).
XXXX. In the letter dated XX/XX/XXXX ( EXHIBIT XXXX ) Monterey Collections Representative XXXX XXXX states as a courtesy the requested proof of debt is attached referring to the debt validation documents that were requested in a timely manner in compliance with the FDCPA. Compliance can be established by reviewing EXHIBITS XXXX & XXXX. Part of the XXXX XXXX legal definition of courtesy is defined as a kind favor. I believe the implication of the representative in making a statement of that nature was to imply that the provision of the requested documents was not a requirement under XXXX XXXX XXXX but rather a favor the debt collector chose to do for me XXXX the XXXX XXXX This was deceptive and misleading and causes the consumer to believe that the collector is not obligated by the statue to comply with providing the consumer validation documents. This was not a courtesy but was a requirement. I believe the statement was an effort to convince me ( the Consumer ) that compliance with the FDCPA was optional and not a requirement thus violating XXXX XXXX XXXX XXXX & XXXX US Code XXXX ( XXXX ), and XXXX XXXX XXXX XXXX within the context the statement was used.
XXXX. In the letter dated XX/XX/XXXX ( EXHIBIT XXXX ) Monterey Collections Representative XXXX XXXX states any future request for proof of debt will not be responded to per your request to cease contact. This statement was both misleading and deceptive in that Monterey Collections received my request for validation letter XXXX EXHIBIT XXXX ) on XX/XX/XXXX in which I stated I am writing to you to demand that you cease and desist any telephone communications with me as required by the Fair Debt Collection Practices Act XXXX XXXX XXXX Paragraph XXXX ( c ) XXXX. However, on the second page of the same letter I stated other than forwarding me via mail the aforementioned documents I request that you cease any communication with me about the alleged debt The documents requested from XXXX were : XXXX. Any contract or agreements between me and Monterey Collections creating an alleged debt.
XXXX. Any contract or agreement between Monterey Collections and the alleged original creditor authorizing a debt to be collected from me.
XXXX. Any certified documents of reassignment between Monterey Collections and the alleged original creditor that authorizes the legal collection of any debt from me XXXX. An itemized statement from the alleged original creditor that a debt is owed by me for an alleged business transaction to include ( XXXX ) the charge-off balance and itemized principal, interest, charges and fees ; ( XXXX ) itemized post charge-off interest, charges and fees ; and XXXX XXXX XXXX a description of the debtors obligation to pay.
XXXX. A signed contract between me and the alleged original creditor bearing the signature proving a legal and binding contract actually exist.
XXXX. A copy of Monterey Collections business license issued by the City of XXXX that is required of any debt collection agency attempting to collect a debt on XXXX residents effective XX/XX/XXXX as defined by XXXX of the XXXX XXXX XXXX.
XXXX. Therefore XXXX XXXX Representative XXXX XXXX knew or should have known that she was making a false statement in an effort to deny me the balance of the validation/verification documents I requested as part of the debt validation process. Thus violating XXXX XXXX XXXX XXXX & XXXX US Code XXXX ( XXXX ), and XXXX XXXX XXXX XXXX. As further proof there was no validity to her statement she sent yet another letter dated XX/XX/XXXX XXXX XXXX XXXX XXXX.
XXXX. Monterey Collections has been steadfast in their position as representatives of an alleged original creditor ( Starpoint Resorts ) .Based on the validation documents ( Truth in Lending Disclosure & Loan History Statement XXXX provided by Monterey Collections XXXX response to my debt validation request they knew or should have known that the calculations provided to me ( The Consumer ) were inaccurate according to the Truth in Lending Act. Monterey Collections should be held to the same level of accountability as the alleged original creditor because of their negligence in ensuring that the debt is legally accurate and failure to comply with XXXX statues in their debt collection activities. Monterey Collections ignored a plethora of inconsistent numerical calculations in the validation documents and totally disregards the mandates of the FDCPA thus violating my consumers rights. The most appropriate course of action against Monterey Collections for violating my consumer rights under the Fair Debt Collections Practices Act, Fair Credit reporting Act, and the Fair Credit Reporting Act is to hold accountable Monterey Financial Services LLC which, encompasses Monterey Collections. Under Civil Liability for violations of the Truth in Lending Act XXXX XXXX XXXX XXXX, Criminal Liability for violations of the Truth in Lending Act XXXX XXXX XXXX XXXX, Civil Liability for violations of the Fair Debt Collections Practices Act XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) and XXXX US Code XXXX ( a ) ( XXXX ), and The Fair Credit Reporting Act. Specifically the responsible parties of Monterey Financial Services LLC such as Chief XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and Representative XXXX XXXX.
XXXX. After the failure of Monterey Collections to properly respond to my request for validation and shortly thereafter they fraudulently reported the negative account on my XXXX Credit Report ( Exhibit XXXX ) significantly decreasing my credit rating. Causing me to lose access to a substantial line of credit significantly affecting my creditworthiness and ability to acquire new credit. Therefore I have suffered injury to my financial reputation and credit record. XXXX has continued to make false, deceptive, and misleading representations about the amount and status of the alleged debt they have violated XXXX XXXX XXXX XXXX ( XXXX ) ( A ).
| null |
Monterey Financial Services LLC
|
IL
|
60619
|
Servicemember
|
Consent provided
|
Web
|
2021-03-19
|
Closed with explanation
|
Yes
| null | 4,228,639 |
2021-03-19
|
Debt collection
|
Medical debt
|
Written notification about debt
|
Didn't receive notice of right to dispute
| null | null |
WAKEFIELD & ASSOCIATES, INC.
|
CO
|
816XX
| null |
Other
|
Web
|
2021-03-19
|
Closed with explanation
|
Yes
| null | 4,228,165 |
2021-03-19
|
Checking or savings account
|
Checking account
|
Managing an account
|
Problem using a debit or ATM card
| null | null |
PNC Bank N.A.
|
IN
|
46226
| null | null |
Referral
|
2021-03-22
|
Closed with explanation
|
Yes
| null | 4,236,118 |
2021-03-19
|
Mortgage
|
Other type of mortgage
|
Trouble during payment process
| null | null | null |
Mr. Cooper Group Inc.
|
PR
|
00926
|
Older American
| null |
Phone
|
2021-03-19
|
Closed with explanation
|
Yes
| null | 4,228,968 |
2021-03-19
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null | null |
PLANET HOME LENDING, LLC
| null | null | null | null |
Phone
|
2021-03-24
|
Closed with explanation
|
Yes
| null | 4,228,749 |
2021-03-19
|
Mortgage
|
FHA mortgage
|
Trouble during payment process
| null | null | null |
Selene Holdings LLC
|
NY
|
14220
| null |
Consent not provided
|
Web
|
2021-03-19
|
Closed with explanation
|
Yes
| null | 4,231,203 |
2021-03-19
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null | null |
LD Holdings Group, LLC
|
CA
|
91709
| null | null |
Phone
|
2021-03-22
|
Closed with explanation
|
Yes
| null | 4,228,537 |
2021-03-19
|
Checking or savings account
|
Checking account
|
Managing an account
|
Deposits and withdrawals
| null | null |
TD BANK US HOLDING COMPANY
|
NJ
|
07093
| null | null |
Referral
|
2021-03-22
|
Closed with monetary relief
|
Yes
| null | 4,236,664 |
2021-03-21
|
Debt collection
|
I do not know
|
Written notification about debt
|
Didn't receive enough information to verify debt
| null | null |
ENCORE CAPITAL GROUP INC.
|
RI
|
02838
| null |
Consent not provided
|
Web
|
2021-03-21
|
Closed with non-monetary relief
|
Yes
| null | 4,233,607 |
2021-03-21
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
| null | null |
DISCOVER BANK
|
CT
|
06812
| null |
Consent not provided
|
Web
|
2021-03-21
|
Closed with explanation
|
Yes
| null | 4,233,033 |
2021-03-21
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
Bread Financial Holdings, Inc.
|
PA
|
19126
| null |
Consent not provided
|
Web
|
2021-03-21
|
Closed with non-monetary relief
|
Yes
| null | 4,233,977 |
2021-03-21
|
Money transfer, virtual currency, or money service
|
Mobile or digital wallet
|
Managing, opening, or closing your mobile wallet account
| null | null | null |
Paypal Holdings, Inc
|
AE
|
XXXXX
| null |
Consent not provided
|
Web
|
2021-03-21
|
Closed with explanation
|
Yes
| null | 4,233,970 |
2021-03-21
|
Debt collection
|
Other debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
ONLINE Information Services, Inc.
|
MA
|
02111
| null |
Consent not provided
|
Web
|
2021-03-21
|
Closed with non-monetary relief
|
Yes
| null | 4,233,133 |
2021-03-21
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
AFNI INC.
|
FL
|
32210
| null |
Consent not provided
|
Web
|
2021-03-21
|
Closed with explanation
|
Yes
| null | 4,233,151 |
2021-03-21
|
Mortgage
|
FHA mortgage
|
Closing on a mortgage
| null | null | null |
LD Holdings Group, LLC
|
NV
|
89084
| null |
Consent not provided
|
Web
|
2021-03-21
|
Closed with monetary relief
|
Yes
| null | 4,232,014 |
2021-03-22
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
| null | null |
EQUIFAX, INC.
|
CO
|
80229
| null | null |
Phone
|
2021-03-22
|
Closed with explanation
|
Yes
| null | 4,234,217 |
2021-03-22
|
Debt collection
|
Other debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
AFNI INC.
|
OH
|
44273
| null |
Consent not provided
|
Web
|
2021-03-26
|
Closed with explanation
|
Yes
| null | 4,234,684 |
2021-03-22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null | null |
PNC Bank N.A.
|
IL
|
60446
| null |
Consent not provided
|
Web
|
2021-03-22
|
Closed with explanation
|
Yes
| null | 4,235,970 |
2021-03-22
|
Debt collection
|
Other debt
|
Written notification about debt
|
Didn't receive enough information to verify debt
| null | null |
CL Holdings LLC
|
MT
|
59404
| null |
Consent not provided
|
Web
|
2021-03-22
|
Closed with explanation
|
Yes
| null | 4,236,599 |
2021-03-22
|
Vehicle loan or lease
|
Loan
|
Getting a loan or lease
|
Fraudulent loan
| null | null |
Santander Consumer USA Holdings Inc.
|
GA
|
31763
| null |
Consent not provided
|
Web
|
2021-03-22
|
Closed with explanation
|
Yes
| null | 4,236,492 |
2021-03-22
|
Debt collection
|
Credit card debt
|
Written notification about debt
|
Didn't receive enough information to verify debt
| null | null |
AMERICAN EXPRESS COMPANY
|
WA
|
98109
| null |
Consent not provided
|
Web
|
2021-03-22
|
Closed with explanation
|
Yes
| null | 4,236,443 |
2021-03-22
|
Credit card or prepaid card
|
General-purpose credit card or charge card
|
Closing your account
|
Company closed your account
| null | null |
CAPITAL ONE FINANCIAL CORPORATION
|
NC
|
27409
| null |
Consent not provided
|
Web
|
2021-03-22
|
Closed with explanation
|
Yes
| null | 4,236,157 |
2021-03-23
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
PA
|
19150
| null |
Consent not provided
|
Web
|
2021-03-23
|
Closed with explanation
|
Yes
| null | 4,237,281 |
2021-03-23
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null | null | null |
Mr. Cooper Group Inc.
|
FL
|
33547
| null | null |
Phone
|
2021-03-23
|
Closed with explanation
|
Yes
| null | 4,238,344 |
2021-03-29
|
Debt collection
|
Medical debt
|
Attempts to collect debt not owed
|
Debt was paid
| null | null |
Community Cash Management Corp.
|
ME
|
047XX
|
Older American
|
Other
|
Web
|
2021-04-01
|
Closed with explanation
|
Yes
| null | 4,252,977 |
2021-04-01
|
Checking or savings account
|
Checking account
|
Managing an account
|
Deposits and withdrawals
| null | null |
AXOS FINANCIAL, INC.
|
FL
|
32763
| null | null |
Referral
|
2021-04-02
|
Closed with explanation
|
Yes
| null | 4,267,201 |
2021-04-02
|
Debt collection
|
I do not know
|
Written notification about debt
|
Didn't receive enough information to verify debt
| null | null |
Adler Wallach & Associates, Inc.
|
CA
|
90503
| null |
Other
|
Web
|
2021-04-02
|
Closed with explanation
|
Yes
| null | 4,267,361 |
2021-04-02
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
PORTFOLIO RECOVERY ASSOCIATES INC
|
VA
|
22922
|
Older American
|
Consent not provided
|
Web
|
2021-04-02
|
Closed with explanation
|
Yes
| null | 4,268,489 |
2021-04-02
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
EQUIFAX, INC.
|
GA
|
30274
| null |
Consent not provided
|
Web
|
2021-04-02
|
Closed with explanation
|
Yes
| null | 4,265,962 |
2021-04-02
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
TX
|
77708
| null |
Consent not provided
|
Web
|
2021-04-02
|
Closed with explanation
|
Yes
| null | 4,265,931 |
2021-04-02
|
Debt collection
|
Medical debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
Applied Business Services, Inc.
|
SC
|
29940
| null |
Consent not provided
|
Web
|
2021-04-02
|
Closed with explanation
|
Yes
| null | 4,266,018 |
2021-04-02
|
Checking or savings account
|
Savings account
|
Managing an account
|
Deposits and withdrawals
| null | null |
DISCOVER BANK
|
IL
|
60487
| null | null |
Referral
|
2021-04-02
|
Closed with explanation
|
Yes
| null | 4,266,665 |
2021-04-02
|
Mortgage
|
FHA mortgage
|
Trouble during payment process
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
LAKEVIEW LOAN SERVICING, LLC
|
MD
|
21403
| null |
Consent not provided
|
Web
|
2021-04-02
|
Closed with explanation
|
Yes
| null | 4,266,964 |
2021-04-03
|
Money transfer, virtual currency, or money service
|
Mobile or digital wallet
|
Managing, opening, or closing your mobile wallet account
| null | null | null |
Paypal Holdings, Inc
| null |
XXXXX
| null |
Consent not provided
|
Web
|
2021-04-03
|
Closed with explanation
|
Yes
| null | 4,268,669 |
2021-04-03
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
GOLDMAN SACHS BANK USA
|
TX
|
77407
| null |
Consent not provided
|
Web
|
2021-04-03
|
Closed with explanation
|
Yes
| null | 4,269,159 |
2021-04-03
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
PA
|
19143
| null |
Consent not provided
|
Web
|
2021-04-03
|
Closed with explanation
|
Yes
| null | 4,268,849 |
2021-04-05
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
GA
|
31407
| null |
Consent not provided
|
Web
|
2021-04-05
|
Closed with explanation
|
Yes
| null | 4,270,516 |
2021-04-04
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
VA
|
23455
| null |
Consent not provided
|
Web
|
2021-04-04
|
Closed with explanation
|
Yes
| null | 4,270,186 |
2021-04-05
|
Money transfer, virtual currency, or money service
|
Virtual currency
|
Other service problem
| null | null | null |
Square Inc
|
IL
|
60620
| null |
Other
|
Web
|
2021-04-05
|
Closed with explanation
|
Yes
| null | 4,273,366 |
2021-04-05
|
Money transfer, virtual currency, or money service
|
Virtual currency
|
Money was not available when promised
| null | null | null |
Coinbase, Inc.
| null |
XXXXX
| null |
Consent not provided
|
Web
|
2021-04-05
|
Closed with explanation
|
Yes
| null | 4,272,877 |
2021-04-04
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
CAPITAL ONE FINANCIAL CORPORATION
|
IL
|
60438
| null |
Consent not provided
|
Web
|
2021-04-04
|
Closed with non-monetary relief
|
Yes
| null | 4,270,342 |
2021-04-05
|
Mortgage
|
Conventional home mortgage
|
Closing on a mortgage
| null | null | null |
Fay Servicing, LLC
|
SC
|
29412
| null |
Consent not provided
|
Web
|
2021-04-05
|
Closed with explanation
|
Yes
| null | 4,271,705 |
2021-04-05
|
Credit card or prepaid card
|
Store credit card
|
Other features, terms, or problems
|
Other problem
| null | null |
Bread Financial Holdings, Inc.
|
CA
|
91786
| null |
Consent not provided
|
Web
|
2021-04-05
|
Closed with explanation
|
Yes
| null | 4,273,249 |
2021-04-06
|
Mortgage
|
Conventional home mortgage
|
Closing on a mortgage
| null | null | null |
Rocket Mortgage, LLC
|
NY
|
10950
| null |
Consent not provided
|
Web
|
2021-04-06
|
Closed with explanation
|
Yes
| null | 4,275,556 |
2021-04-06
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
EQUIFAX, INC.
|
TX
|
77072
| null |
Consent not provided
|
Web
|
2021-04-06
|
Closed with explanation
|
Yes
| null | 4,277,401 |
2021-04-06
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
Bread Financial Holdings, Inc.
|
MA
|
02124
| null |
Consent not provided
|
Web
|
2021-04-06
|
Closed with explanation
|
Yes
| null | 4,273,567 |
2021-04-15
|
Debt collection
|
Medical debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
Commonwealth Financial Systems, Inc.
|
FL
|
33330
| null |
Consent not provided
|
Web
|
2021-04-15
|
Closed with explanation
|
Yes
| null | 4,301,205 |
2021-04-15
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
| null | null |
EQUIFAX, INC.
|
MD
|
21703
| null | null |
Phone
|
2021-04-15
|
Closed with explanation
|
Yes
| null | 4,300,208 |
2021-04-16
|
Mortgage
|
FHA mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null | null | null |
Mr. Cooper Group Inc.
|
WI
|
53217
| null | null |
Phone
|
2021-04-19
|
Closed with explanation
|
Yes
| null | 4,304,634 |
2021-04-17
|
Credit card or prepaid card
|
General-purpose credit card or charge card
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
CAPITAL ONE FINANCIAL CORPORATION
|
CA
|
94305
| null |
Consent not provided
|
Web
|
2021-04-17
|
Closed with explanation
|
Yes
| null | 4,305,512 |
2021-04-17
|
Debt collection
|
Medical debt
|
Took or threatened to take negative or legal action
|
Threatened or suggested your credit would be damaged
| null | null |
USCB, Inc.
|
GA
|
31779
| null |
Consent not provided
|
Web
|
2021-04-22
|
Closed with explanation
|
Yes
| null | 4,305,747 |
2021-04-17
|
Money transfer, virtual currency, or money service
|
Mobile or digital wallet
|
Managing, opening, or closing your mobile wallet account
| null | null | null |
Paypal Holdings, Inc
| null |
XXXXX
| null |
Consent not provided
|
Web
|
2021-04-17
|
Closed with explanation
|
Yes
| null | 4,306,173 |
2021-04-18
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
PORTFOLIO RECOVERY ASSOCIATES INC
|
FL
|
33068
| null |
Consent not provided
|
Web
|
2021-04-18
|
Closed with explanation
|
Yes
| null | 4,308,208 |
2021-04-19
|
Debt collection
|
Other debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
Consumer Adjustment Company Incorporated
|
MO
|
63104
| null |
Consent not provided
|
Web
|
2021-04-19
|
Closed with explanation
|
Yes
| null | 4,308,031 |
2021-04-19
|
Money transfer, virtual currency, or money service
|
Domestic (US) money transfer
|
Fraud or scam
| null | null | null |
JPMORGAN CHASE & CO.
|
TX
|
77099
| null |
Consent not provided
|
Web
|
2021-04-19
|
Closed with explanation
|
Yes
| null | 4,308,699 |
2021-04-19
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
FL
|
33056
| null |
Other
|
Web
|
2021-04-19
|
Closed with explanation
|
Yes
| null | 4,308,611 |
2021-04-18
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
National Credit Adjusters, LLC
|
TX
|
75180
| null |
Consent not provided
|
Web
|
2021-04-18
|
Closed with explanation
|
Yes
| null | 4,307,541 |
2021-04-20
|
Credit card or prepaid card
|
Store credit card
|
Getting a credit card
|
Card opened as result of identity theft or fraud
| null | null |
CAPITAL ONE FINANCIAL CORPORATION
|
MN
|
55106
| null |
Consent not provided
|
Web
|
2021-04-26
|
Closed with explanation
|
Yes
| null | 4,315,131 |
2021-04-20
|
Checking or savings account
|
Checking account
|
Opening an account
|
Account opened as a result of fraud
| null | null |
PNC Bank N.A.
|
MN
|
55106
| null |
Consent not provided
|
Web
|
2021-04-20
|
Closed with explanation
|
Yes
| null | 4,315,501 |
2021-04-19
|
Vehicle loan or lease
|
Lease
|
Incorrect information on your report
|
Account information incorrect
| null | null |
JPMORGAN CHASE & CO.
|
NJ
|
08701
| null |
Consent not provided
|
Web
|
2021-04-19
|
Closed with explanation
|
Yes
| null | 4,310,466 |
2021-04-20
|
Debt collection
|
Other debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
CL Holdings LLC
|
FL
|
32789
| null |
Consent not provided
|
Web
|
2021-04-26
|
Closed with non-monetary relief
|
Yes
| null | 4,315,546 |
2021-04-20
|
Mortgage
|
Reverse mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null | null |
Company believes the complaint is the result of a misunderstanding
|
AMERICAN ADVISORS GROUP
|
WA
|
98516
|
Older American
| null |
Phone
|
2021-04-20
|
Closed with explanation
|
Yes
| null | 4,310,840 |
2021-04-19
|
Mortgage
|
Conventional home mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null | null | null |
Zillow Group Inc.
|
CA
|
90749
|
Older American
| null |
Phone
|
2021-04-21
|
Closed with explanation
|
Yes
| null | 4,310,083 |
2021-04-19
|
Checking or savings account
|
CD (Certificate of Deposit)
|
Managing an account
|
Deposits or withdrawals
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
WELLS FARGO & COMPANY
|
NC
|
28801
| null | null |
Referral
|
2021-04-20
|
Closed with explanation
|
Yes
| null | 4,317,266 |
2021-04-20
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null |
Company believes it acted appropriately as authorized by contract or law
|
Financial Recovery Services, Inc.
|
FL
|
33065
| null |
Consent not provided
|
Web
|
2021-04-20
|
Closed with explanation
|
Yes
| null | 4,312,079 |
2021-04-20
|
Credit card or prepaid card
|
Government benefit card
|
Trouble using the card
|
Trouble using the card to spend money in a store or online
| null | null |
Conduent Incorporated
|
OK
|
74114
| null | null |
Referral
|
2021-04-27
|
Closed with explanation
|
Yes
| null | 4,314,201 |
2021-04-19
|
Debt collection
|
Credit card debt
|
Written notification about debt
|
Didn't receive enough information to verify debt
| null |
Company believes the complaint is the result of a misunderstanding
|
CCS Financial Services, Inc.
|
NC
|
28306
| null |
Consent not provided
|
Web
|
2021-04-19
|
Closed with explanation
|
Yes
| null | 4,310,165 |
2021-04-20
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null |
Step 1 : What is this complaint about? This is about mortgage.
Step 2 : What type of problem are you having? I requested for mortgage assistance from my lender, Fay Servicing because my daughter and her husband are planning on moving to a different house. We have been able to afford our monthly mortgage payment ( now {$3300.00} per month ) because my daughter XXXX XXXX and her husband XXXX XXXX have been contributing up to {$2500.00} per month ( currently $ XXXX ). Without them, we would not be able to afford the monthly mortgage payment which happens to be based on interest of 4.375 % per annum.
Step 3 : What happened?
The Homeowners Bill of Rights provides that servicer should Guarantee single point of contact : If you ask for a loan modification or other foreclosure-prevention option, your servicer must assign you a specific person or team who can walk you through application requirements and deadlines, knows the facts and status of your application, including missing documents needed to complete your application, and can get you a decision on your application. ( Civil Code section 2923.7 ) However, Fay Servicing has not promptly established a single point of contact to me and has not provided to me ( the borrower ) direct means of communication by direct email or direct telephone.
The Consumer Bill of Rights has this to say about Denial rights : If your servicer denies your loan-modification application, it must state its reasons and identify other possible foreclosure-prevention options in writing. It must also give you a chance to appeal the denial. You may submit a new loan-modification application if you have had a material change in your financial situation since the last application. ( Civil Code section 2923.6 ). As far as verification of document is concerned, the Consumer Bill of Rights states : Verification of documents : Your servicer must review certain foreclosure documents to make sure they are accurate, complete, and supported by reliable evidence about your loan, your loans status, and the servicers right to foreclose. ( Civil Code section 2924.17 ). However, Fays XX/XX/XXXX letter gave an unbelievable reason/explanation which was : This notice is to inform you that, pursuant to California law, your loss mitigation application will not be evaluated, because you failed to submit your complete loss mitigation application at least five ( 5 ) business days before the foreclosure sale scheduled to occur on XX/XX/XXXX XXXX past event ). The letter does not identify other possible foreclosure prevention options. See file, 1-XXXX A hard copy of this letter was sent by Fay Servicing onXX/XX/XXXX through the US Postal Service and received by me on XX/XX/XXXX
Civil Code section 2923.7 ( 3 ) says : Having access to current information and personnel sufficient to timely, accurately, and adequately inform the borrower of the current status of the foreclosure prevention alternative. However, the quality control entity of Fay was not aware that the required document for XXXX XXXX was already sent via email on XX/XX/XXXX. See my letter/email to Fay Servicing dated XXXX XXXX at XXXX XXXX ( see file, 2-XXXX XXXX ). Also, during a 3-way telephone conference between XXXX XXXX of Fay Servicing, XXXX XXXX of XXXX and myself ( the borrower ), XXXX XXXX informed us that they ( Fay Servicing account representatives ) have no access to the loansolutionscenter website.
Civil Code section 2923.7 ( 4 ) says : Ensuring that a borrower is considered for all foreclosure prevention alternatives offered by, or through, the mortgage servicer, if any.
But to date, no loss mitigation options have been offered Civil Code section 2923.7 ( c ) says : The single point of contact shall remain assigned to the borrowers account until the mortgage servicer determines that all loss mitigation options offered by, or through, the mortgage servicer have been exhausted or the borrowers account becomes current. To date however, Fay has not provided a single point of contact.
Civil Code section 2923.7 ( d ) says : The mortgage servicer shall ensure that a single point of contact refers and transfers a borrower to an appropriate supervisor upon request of the borrower, if the single point of contact has a supervisor. However, in my letter/email to Fay on XX/XX/XXXX and on XX/XX/XXXX, I requested for a three-way conference with XXXX XXXX XXXX but theres no response ( see file, 3-XXXX and file, 4-XXXX & XXXX. On XX/XX/XXXX, I also requested for a three-way conference with XXXX XXXX but Fay Servicing did not respond ( except to impromptu three-way conferences that XX/XX/XXXXinitiated ). See file, XXXX XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Civil Code section 2923.7 ( e ) says : For purposes of this section, single point of contact means an individual or team of personnel each of whom has the ability and authority to perform the responsibilities described in subdivisions ( b ) to ( d ), inclusive. The mortgage servicer shall ensure that each member of the team is knowledgeable about the borrowers situation and current status in the alternatives to foreclosure process. However, by all indications, there is no person doing the quality control of Fays letter ( s ). XXXX XXXX XXXX of Fay said that the loansolutioncenter is being provided by a third party and they ( Fay personnel ) have no access to it. If XXXX XXXX XXXX or XXXX XXXX ( the referred account manager ) has no access to the third party system then who has? Per XXXX, XXXX XXXX was my account manager on XX/XX/XXXX but he was replaced by XXXX XXXX XXXX on XX/XX/XXXXaccording to XXXX. XXXX XXXX said that Fays letters are reviewed by legal team before they are sent out.
CONCLUSION : It appears, therefore, that there are two teams involved in my application : the loansolutioncenter ( 3rd party ) which lists XXXX XXXX as my account manager and the people who answer telephone XXXX who insist that my account manager is XXXX XXXX XXXX. As of XX/XX/XXXX loansolutioncenter still lists XXXX XXXX as my account manager and although a letter dated XX/XX/XXXX says that he has a direct telephone number below, no direct number is actually provided. See file, 7-XXXX and file 1-XXXX Since loansolutioncenter sends me letters from Fay Servicing ( including those that wrongly insisted that I did not send the required docs to prove XXXX income ( see file, 6-Signed LETTER OF EXPLANATION TO FAY SERVICING_XXXX ) and the XX/XX/XXXX letter which gave a preposterous reason for Fays denial ( that I allegedly failed to submit your complete loss mitigation application at least five ( 5 ) business days before the foreclosure sale scheduled to occur on XX/XX/XXXX ) and since Fay Servicing personnel are not able to review those letters, then Fay Servicing team has no ability to perform the responsibilities described in subdivisions ( b ) to ( d ) .. ( of Civil Code section 2923.7 ) Since Fay Servicing has no access to loansolutioncenter website, it can not comply with Civil Code section 2923.7 ( e ) which says that mortgage servicer shall ensure that each member of the team is knowledgeable about the borrowers situation and current status.
In fairness to Fay Servicing, I acknowledge receiving yesterday ( XX/XX/XXXX ) a letter from this lender dated XX/XX/XXXX which states : After a response review of your account, we have determined that an Acknowledgment of Complete Loss Mitigation Application letter was sent to you in error on XX/XX/XXXX. You may disregard this letter. A corrected Acknowledgment of Complete Loss Mitigation Application letter will be sent to you in the next 48 hours. Please accept our sincerest apologies for any inconvenience this may have caused. If you have any questions, please contact us at XXXX.
The last paragraph of this letter is unclear as to meaning. It says, Fay does not have any recent applications for Loss Mitigation at this time. Please contact us or submit your request for assistance online, if needed.
Sincerely, Loss Mitigation Department Fay Servicing , LLC Why is it not XXXX XXXX or XXXX XXXX XXXX writing the letter?
Step 4 : What company is this complaint about? Fay Servicing , LLC.
Step 5 : Who are the people involved? XXXX XXXX ( account manager? but unable to talk ), XXXX XXXX XXXX ( account manager? but unable to talk XXXX, XXXX XXXX who alleged that loansolutioncenter website is not accessible to them and that all letters from Fay Servicing are reviewed by legal team.
| null |
Fay Servicing, LLC
|
CA
|
91709
|
Older American
|
Consent provided
|
Web
|
2021-04-26
|
Closed with explanation
|
Yes
| null | 4,311,800 |
2021-04-20
|
Mortgage
|
FHA mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null | null | null |
MidAmerica Mortgage Inc
|
NC
|
28356
| null | null |
Phone
|
2021-04-20
|
Closed with explanation
|
Yes
| null | 4,312,754 |
2021-04-23
|
Mortgage
|
VA mortgage
|
Trouble during payment process
| null | null | null |
Dovenmuehle Mortgage, Inc.
|
FL
|
33411
| null | null |
Referral
|
2021-04-29
|
Closed with explanation
|
Yes
| null | 4,327,099 |
2021-04-26
|
Mortgage
|
FHA mortgage
|
Closing on a mortgage
| null | null | null |
PLANET HOME LENDING, LLC
|
SC
|
29349
| null |
Other
|
Web
|
2021-04-26
|
Closed with explanation
|
Yes
| null | 4,328,327 |
2021-04-27
|
Debt collection
|
Credit card debt
|
Communication tactics
|
Frequent or repeated calls
| null | null |
ENCORE CAPITAL GROUP INC.
|
VA
|
22901
|
Servicemember
| null |
Phone
|
2021-04-27
|
Closed with explanation
|
Yes
| null | 4,331,058 |
2021-04-28
|
Mortgage
|
VA mortgage
|
Trouble during payment process
| null | null | null |
GUARANTEED RATE INC.
|
GA
|
30253
|
Servicemember
|
Other
|
Web
|
2021-04-28
|
Closed with explanation
|
Yes
| null | 4,332,841 |
2021-05-05
|
Checking or savings account
|
Checking account
|
Managing an account
|
Fee problem
| null | null |
BANK OF THE WEST
|
SC
|
29527
| null | null |
Referral
|
2021-05-07
|
Closed with explanation
|
Yes
| null | 4,358,705 |
2021-05-10
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null | null | null |
Mr. Cooper Group Inc.
|
NC
|
281XX
| null |
Other
|
Web
|
2021-05-12
|
Closed with explanation
|
Yes
| null | 4,364,558 |
2021-05-10
|
Debt collection
|
Medical debt
|
Attempts to collect debt not owed
|
Debt was paid
| null | null |
Central States Recovery, Inc.
|
OK
|
74129
| null | null |
Phone
|
2021-05-10
|
Closed with explanation
|
Yes
| null | 4,363,926 |
2021-05-10
|
Vehicle loan or lease
|
Loan
|
Managing the loan or lease
|
Problem with fees charged
| null | null |
Santander Consumer USA Holdings Inc.
|
NY
|
10973
|
Servicemember
| null |
Phone
|
2021-06-10
|
Closed with explanation
|
Yes
| null | 4,364,129 |
2021-05-10
|
Checking or savings account
|
Checking account
|
Managing an account
|
Deposits and withdrawals
| null | null |
BBVA FINANCIAL CORPORATION
|
TN
|
37412
| null | null |
Referral
|
2021-05-19
|
Closed with explanation
|
Yes
| null | 4,370,300 |
2021-05-11
|
Checking or savings account
|
Checking account
|
Managing an account
|
Deposits and withdrawals
| null | null |
BBVA FINANCIAL CORPORATION
|
CO
|
80023
| null | null |
Referral
|
2021-05-12
|
Closed with explanation
|
Yes
| null | 4,371,109 |
2021-05-12
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null | null | null |
Mr. Cooper Group Inc.
|
FL
|
32807
| null |
Consent withdrawn
|
Web
|
2021-05-12
|
Closed with explanation
|
Yes
| null | 4,370,154 |
2021-05-11
|
Checking or savings account
|
Checking account
|
Managing an account
|
Problem accessing account
| null | null |
BBVA FINANCIAL CORPORATION
|
NY
|
14216
| null | null |
Referral
|
2021-05-12
|
Closed with explanation
|
Yes
| null | 4,371,983 |
2021-05-12
|
Mortgage
|
Other type of mortgage
|
Closing on a mortgage
| null | null | null |
HSBC NORTH AMERICA HOLDINGS INC.
|
FL
|
34983
| null | null |
Phone
|
2021-05-12
|
Closed with explanation
|
Yes
| null | 4,371,819 |
2021-05-12
|
Debt collection
|
Credit card debt
|
Written notification about debt
|
Didn't receive enough information to verify debt
| null | null |
Io, Inc.
|
VA
|
23462
| null |
Consent not provided
|
Web
|
2021-05-12
|
Closed with explanation
|
Yes
| null | 4,371,533 |
2021-05-12
|
Checking or savings account
|
Checking account
|
Closing an account
|
Funds not received from closed account
| null | null |
JPMORGAN CHASE & CO.
|
TX
|
76108
| null |
Consent not provided
|
Web
|
2021-05-12
|
Closed with explanation
|
Yes
| null | 4,371,143 |
2021-05-12
|
Checking or savings account
|
Checking account
|
Managing an account
|
Deposits and withdrawals
| null | null |
BBVA FINANCIAL CORPORATION
|
GA
|
30309
| null | null |
Referral
|
2021-05-13
|
Closed with explanation
|
Yes
| null | 4,375,950 |
2021-05-13
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
CL Holdings LLC
|
NC
|
28269
| null |
Consent not provided
|
Web
|
2021-05-13
|
Closed with explanation
|
Yes
| null | 4,375,603 |
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