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48
⌀ | Issue
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145
⌀ | Consumer complaint narrative
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32.8k
⌀ | Company public response
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88
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36
⌀ | ZIP code
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⌀ | Tags
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stringclasses 7
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| Company response to consumer
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values | Consumer disputed?
stringclasses 2
values | Complaint ID
int64 1
8.36M
|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2021-05-14
|
Checking or savings account
|
Checking account
|
Closing an account
|
Company closed your account
| null | null |
CAPITAL ONE FINANCIAL CORPORATION
|
LA
|
70118
| null | null |
Phone
|
2021-05-14
|
Closed with explanation
|
Yes
| null | 4,377,583 |
2021-05-15
|
Student loan
|
Private student loan
|
Dealing with your lender or servicer
|
Problem with customer service
| null | null |
Nelnet, Inc.
|
TX
|
77373
| null |
Consent not provided
|
Web
|
2021-05-15
|
Closed with explanation
|
Yes
| null | 4,380,633 |
2021-05-18
|
Debt collection
|
Other debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
ERC
|
TX
|
754XX
| null |
Other
|
Web
|
2021-05-18
|
Closed with explanation
|
Yes
| null | 4,385,670 |
2021-05-18
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
Commonwealth Financial Systems, Inc.
|
GA
|
30030
| null |
Consent not provided
|
Web
|
2021-05-24
|
Closed with explanation
|
Yes
| null | 4,385,926 |
2021-05-18
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null | null |
JPMORGAN CHASE & CO.
|
CA
|
90802
| null |
Consent not provided
|
Web
|
2021-05-18
|
Closed with explanation
|
Yes
| null | 4,386,164 |
2021-05-18
|
Debt collection
|
Other debt
|
Written notification about debt
|
Didn't receive enough information to verify debt
| null | null |
ERC
|
NJ
|
08244
| null |
Consent not provided
|
Web
|
2021-05-18
|
Closed with explanation
|
Yes
| null | 4,386,716 |
2021-05-18
|
Checking or savings account
|
Checking account
|
Managing an account
|
Deposits and withdrawals
| null | null |
HSBC NORTH AMERICA HOLDINGS INC.
|
TX
|
78734
| null | null |
Phone
|
2021-05-18
|
Closed with explanation
|
Yes
| null | 4,386,829 |
2021-05-19
|
Mortgage
|
FHA mortgage
|
Trouble during payment process
| null | null | null |
JPMORGAN CHASE & CO.
|
IL
|
60544
| null |
Consent not provided
|
Web
|
2021-05-19
|
Closed with explanation
|
Yes
| null | 4,389,374 |
2021-05-19
|
Mortgage
|
Conventional home mortgage
|
Closing on a mortgage
| null |
Summary is an evasive, increasingly unresponsive loan officer who confirmed a buy down in the interest rate <48 hours before the closing date and subsequently revoked the buy down with <24 hours before closing. Tried to contact supervisor and later appealed to that person 's supervisor. Was asked why I chose to sign the deal even though it was obvious that I had little choice if escrow was going to be met on close date to avoid per diem fees and possibly losing the home purchase. I have a detailed timeline copied below that provides exact information.
-- -- -- -- XX/XX/XXXX XXXX ( KB XXXX loan pre-approved. KB electronic documents sent to me via secure portal XX/XX/XXXX XXXX XXXX XXXX XXXX ) email requesting several items including proof of homeowner 's insurance XX/XX/XXXX all requested items emailed to XXXX in addition to insurance agent information to obtain proof of homeowner 's insurance XX/XX/XXXX XXXX informs me everything is 'good ' and that loan sent to KB underwriting team XX/XX/XXXX XXXX informs me of seller credit and how it can be applied to loan ( see below ) So the Seller Credits exceeds the amount of pre-paids and Closing Costs. There are 2 way you can utilize the extra funds left over You can buy the Interest Rate down and use left over Seller Credit Fees You can reduce your loan amount using the left over Seller Credit Fees Let me know what you prefer and we can get that done for you XX/XX/XXXX emailed XXXX for clarification on how seller credit works, and her response ( see below ) suggests additional information is needed Since I am unsure on exact amount yet left over I cant tell you how much we can buy down rate, but I do think we can get you a 2.875 %, which would be paid by Seller Credits ( roughly XXXX XXXX. Or we just reduce the loan amount from the credits!
I will try and confirm today what the exact dollar amount is left over to make it more clear XXXX XXXX XX/XX/XXXX emailed by XXXX rep XXXX, XXXX XXXX XXXX XXXX XXXX, requesting several items including " addendum to purchase contract lowering the purchase price from {$850000.00} to {$850000.00} signed by all parties. '' XX/XX/XXXX replied to XXXX via same email chain referenced above, asked if dollar amount was known. No response.
XX/XX/XXXX requested clarifications from XXXX. No response XX/XX/XXXX email from XXXX closing department rep XXXX XXXX received. Documents electronically signed that day by me.
XX/XX/XXXX connected with XXXX by phone. One of the required items, an addendum to purchase contract lowering the purchase price from {$850000.00} to {$850000.00}, was needed because the internal KB documents had different figures for the purchase price. He did not say who created the forms with the conflicting prices.
XX/XX/XXXX informed by XXXX that dollar amount on seller credit would be ready by XXXX XX/XX/XXXX Friday XXXX see below ) Hi ( redacted ) I am looking into the dollar amount today, as I did not have exact figures on how much left over Seller Credit we have. Let me get that exact number and I will get that to you by XXXX! At that point you can advise which route you would like to go to utilize the left over Seller Credit XX/XX/XXXX XXXX emails saying the seller credit is a little less than {$20000.00} and asks how I would like it applied to loan ( see below ). I replied that I would prefer a lower interest rate This is the amount XXXX left over for Seller Credit. Please advise if you would like to use for loan amount or buy down rate. I would say most reduce loan amount to save life of the loan interest you will pay. Let me know your thoughts!
XX/XX/XXXX I emailed XXXX asking if she had received my previous message and if it was OK. She informs me that she is no longer sure the seller 's credit exists ( see below ) HI ( redacted ), I did get your request, however I am looking into this Sellers Credit to make sure this is actually a credit or are they just going off the Earnest Money XXXX Want to verify before we do anything!
XX/XX/XXXX - XX/XX/XXXX several attempts made to contact XXXX. I do not have full documentation for this. If I remember correctly, she told me she would get back to me and copy me on emails with the XXXX processing-not underwriting- department but failed to do so XXXX zero communication XX/XX/XXXX - early morning phone call to XXXX confirms existence of seller credit. I am sent a KB electronic document request which I sign ( see attached " XXXX '' XXXX. She tells me the loan is going to be sent to my title company later that morning XX/XX/XXXX - I send this email to XXXX at approximately XXXX I am writing this message because I am trying to get an update on my property purchase which is scheduled to close this Wednesday.
XXXX, when we spoke this morning you said the KeyBank closing team was in contact with my title company, XXXX XXXX, and I was sent an electronic document for signature which I signed. It is now XXXX XXXX / XXXX XXXX and I have not received instructions on how to make payment, so I am assuming there is ongoing coordination between Key Bank and XXXX XXXX.
Please provide an update on the situation. I have copied agents from XXXX XXXX in case they are aware of circumstances on their end that require further attention.
Thank you, XXXX Redacted ) XX/XX/XXXX I send another email to XXXX It is now XXXX local time and I have not heard an update from KeyBank.
XX/XX/XXXX I make several phone calls and leave messages with the person who I believe is XXXX 's supervisor, XXXX XXXX. I obtained this information from a XXXX loan office in XXXX. No response. I write the following email to XXXX : Hello XXXX, I am reaching out to you about difficulties I am having with closing on my property using KeyBank. I am supposed to close on a townhome in XXXX this Wednesday. XXXX XXXX, XXXX # XXXX, is my loan officer.
Please see below for details. At this point all I care about is getting the loan pushed through, but I want to thoroughly document what has taken place over the last few weeks so you understand my perspective. I would greatly appreciate it if you can step and facilitate this process.
Thanks, ( Redacted ) -- -- - She has been increasingly evasive about the loan process and I have been told over and over that it will get done, but I am now a little more than 24 hours from my closing date and I have not heard from the title company. I spoke to her this morning and when I asked how we would proceed if the offer was not sent out by the end of today, she just said that it would be done today and left it at that. Last week I asked her to loop me in on the emails she was sending- with the loan processor, as I was informed I am not allowed direct communication with the closing department- and this request was ignored. This was preceeded by a two week period when I was initially told there was a sellers credit, then the seller 's credit may not actually be there, and then told again that it's there. A few weeks earlier I was asked by the loan processor, XXXX XXXX, for an addendum to my purchasing agreement. I was confused and no idea what he was talking about. Apparently there were different prices listed on internal keybank documents, and while he did not tell me who was responsible for creating the docs, they were made early in the process when XXXX was my only point of contact at KeyBank.
XX/XX/XXXX I receive an email from XXXX saying the Seller 's credit does not exist and I need to tell her ASAP if I accept the previous loan terms, see below Good morning ( redacted ), I am sorry just getting this! I contacted closing and your XXXX is coming to you this morning, however I need to confirm your rate ASAP before sending. There is no extra $ for Sellers Credit, our Underwriter read wording wrong in your contract. Therefore want to confirm you are okay with 3 % interest vs 2.875 % due to no extra funds from a Sellers Credit. Please email me ASAP and I will notify closing and your CD will be sent immediately!
Thank you and I am very sorry for that mixup on Sellers Credit on behalf of our Underwriter.
XX/XX/XXXX I forward this email to XXXX and demand that he call me back. He instead writes me this email pressuring me to accept their offer : Hi ( redacted ), I just spoke to XXXX on this. It appears there was some confusion on how the contract read regarding a seller credit. This was clarified and cleared up that there is no additional credit for this transaction as the underwriter initially thought. Are you good with the 3 % since there is no credit to buy down the rate? We need to get the XXXX out today so closing can take place and they are working on this now.
XX/XX/XXXX I write another email demanding that XXXX call me to discuss the matter. He calls me 30 minutes later and explains there is nothing he can personally do but he will " make a phone call '' to see what else can be done. When he calls me back 30 minutes later he says the best they can do is give a {$500.00} discount. I inform him this is unacceptable given the discrepancy between the seller credit and his discount. I say that I accept the offer.
XX/XX/XXXX - sent electronic KB documents, see attached " Tuesday.pdf '' XX/XX/XXXX deal closed with title company
| null |
KEYCORP
|
WA
|
98122
| null |
Consent provided
|
Web
|
2021-05-19
|
Closed with explanation
|
Yes
| null | 4,390,088 |
2021-05-20
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null | null |
AmeriHome Mortgage Company, LLC
|
NJ
|
07604
| null |
Consent not provided
|
Web
|
2021-05-20
|
Closed with explanation
|
Yes
| null | 4,391,226 |
2021-05-21
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
AMERICAN EXPRESS COMPANY
|
MA
|
02724
| null |
Consent not provided
|
Web
|
2021-05-21
|
Closed with explanation
|
Yes
| null | 4,397,145 |
2021-05-21
|
Payday loan, title loan, or personal loan
|
Installment loan
|
Getting the loan
| null | null | null |
PRESTAMOS RAPIDITOS
|
PA
|
19023
| null |
Consent not provided
|
Web
|
2021-06-25
|
Untimely response
|
No
| null | 4,394,908 |
2021-05-21
|
Vehicle loan or lease
|
Lease
|
Problems at the end of the loan or lease
|
Problem while selling or giving up the vehicle
| null | null |
VW Credit
|
OH
|
45150
| null |
Other
|
Web
|
2021-05-21
|
Closed with monetary relief
|
Yes
| null | 4,397,579 |
2021-05-22
|
Mortgage
|
FHA mortgage
|
Trouble during payment process
| null | null | null |
JPMORGAN CHASE & CO.
|
IL
|
60544
| null |
Consent not provided
|
Web
|
2021-05-22
|
Closed with explanation
|
Yes
| null | 4,399,165 |
2021-05-24
|
Mortgage
|
FHA mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null | null | null |
Colten Mortgage, LLC
|
TX
|
77447
| null |
Consent not provided
|
Web
|
2021-05-25
|
Closed with explanation
|
Yes
| null | 4,402,454 |
2021-05-26
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null | null |
Mr. Cooper Group Inc.
|
GA
|
30024
| null |
Consent not provided
|
Web
|
2021-05-26
|
Closed with explanation
|
Yes
| null | 4,409,736 |
2021-05-26
|
Money transfer, virtual currency, or money service
|
Mobile or digital wallet
|
Unauthorized transactions or other transaction problem
| null | null | null |
Square Inc
|
WI
|
53208
| null | null |
Phone
|
2021-05-26
|
Closed with explanation
|
Yes
| null | 4,407,295 |
2021-05-28
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
EQUIFAX, INC.
|
TX
|
77047
| null |
Consent not provided
|
Web
|
2021-05-28
|
Closed with explanation
|
Yes
| null | 4,415,280 |
2021-05-28
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
ERC
|
CA
|
92563
| null |
Consent not provided
|
Web
|
2021-05-28
|
Closed with explanation
|
Yes
| null | 4,415,323 |
2021-06-08
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
Resurgent Capital Services L.P.
|
CA
|
90065
| null |
Consent not provided
|
Web
|
2021-06-08
|
Closed with explanation
|
Yes
| null | 4,441,156 |
2021-06-10
|
Payday loan, title loan, or personal loan
|
Installment loan
|
Getting the loan
| null | null | null |
Lending Club Corp
|
FL
|
32656
|
Older American
| null |
Referral
|
2021-06-10
|
Closed with explanation
|
Yes
| null | 4,448,340 |
2021-06-15
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
CAINE & WEINER COMPANY, INC.
|
NY
|
10459
| null |
Consent not provided
|
Web
|
2021-06-15
|
Closed with explanation
|
Yes
| null | 4,462,702 |
2021-06-16
|
Mortgage
|
FHA mortgage
|
Struggling to pay mortgage
| null | null | null |
Fay Servicing, LLC
|
TX
|
77375
| null |
Consent not provided
|
Web
|
2021-06-16
|
Closed with explanation
|
Yes
| null | 4,467,824 |
2021-06-17
|
Mortgage
|
FHA mortgage
|
Trouble during payment process
| null |
I have been a customer of NationStar DBA Mr. Cooper for about 8 years now. I have always paid my mortgage online. On XX/XX/XXXX I made my XXXX mortgage payment online as always, but this time I accidentally scheduled it for XX/XX/XXXX. An agent from Mr. Cooper called me on or about XX/XX/XXXX to make me aware of the situation and asked me if I wanted to change it and apply the payment immediately. I said yes, of course. She even went the extra mile and said she would back date the payment to show that I had actually made my payment on the XXXX so I would not incur any late charges. I was so grateful, but little did I know it would go downhill from here.
Around XX/XX/XXXX another agent called me regarding my unpaid XXXX mortgage payment. I was horrified and extremely upset. This person attempted to help, but could not figure out what was going on. She said she could see the payment pending, but did not understand why it was not applying and showing as paid for XXXX. She promised to call me back and didn't. So I began checking my account daily to see if the payment had been applied. It had not, and then the month of XXXX comes. This lead me to start call every other day to talk to someone, and I kept getting the same run around ... basically no one knew what to do. And, lucky for me I had the additional money to go ahead and pay my mortgage for XXXX XXXX again XXXX and XXXX. So, reluctantly, I did. I say reluctantly because I was afraid they would steal from me again.
I ended getting the Research Dept, which was an absolute waste of time. And, by the way, the research is email only. What great customer service, in my most sarcastic tone. They, first sent me a letter ( by email ) stating that they could not find the payment. WHAT!?! That was the whole reason for my contacting them. That was known, I wanted to know what happened. Crickets, nothing!!! Then I got a letter stating that I needed to show proof that the payment had come out of my bank ... when clearly my payment was there as a few agents had already admitted that they could see it pending. However, I ended up sending them the statement showing where the payment was deducted on or about XX/XX/XXXX. In the meantime, my patience grew thin and I started calling almost daily in hopes of getting an experienced agent to help me.
I finally ended up speaking with a young man who was able to simply refund my money. I was satisfied and done with this whole thing until I received an email this morning requesting for the second time for me to send them a bank statement showing where they deducted ( stole ) my mortgage payment. I was astonished.
I checked my account this morning and saw where my money has been refunded. Whew, right?!? I started to let this go, but this is too important. So many of us rely on web based systems to conduct financial business. Despite the dark web dangers, I like to see and know that my payment is applied when I pay online. SEEING it is the most important. And, since you are not having to actually deal with a person, I feel like the possibility for theft is eliminated. However, in this situation I felt bewildered and somewhat lost. It's upsetting to think that they are people who may have give up in frustration, or not have extra money to pay twice for one month 's mortgage, or end up taking a hit to their credit for something that they, nor even the dark web, is responsible for. We trust these banks to do right, and this is what we get. I'm an attorney, so I was not giving up and was willing to take it further. But, how many other people can do that? How many people have been screwed by their bank/mortgager feeling like they have no recourse?
It is not ok, and I hope CFPB addresses it with them.
| null |
Mr. Cooper Group Inc.
|
TX
|
78617
| null |
Consent provided
|
Web
|
2021-06-17
|
Closed with explanation
|
Yes
| null | 4,469,438 |
2021-06-17
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
ERC
|
TX
|
77518
| null |
Consent not provided
|
Web
|
2021-06-17
|
Closed with explanation
|
Yes
| null | 4,469,549 |
2021-06-17
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
Resurgent Capital Services L.P.
|
MI
|
48219
|
Older American
| null |
Phone
|
2021-06-17
|
Closed with explanation
|
Yes
| null | 4,468,496 |
2021-06-17
|
Vehicle loan or lease
|
Loan
|
Getting a loan or lease
|
Fraudulent loan
| null | null |
CarMax, Inc.
|
CA
|
91510
| null |
Consent not provided
|
Web
|
2021-06-17
|
Closed with explanation
|
Yes
| null | 4,470,437 |
2021-06-18
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
Bread Financial Holdings, Inc.
|
RI
|
02919
| null |
Consent not provided
|
Web
|
2021-06-29
|
Closed with explanation
|
Yes
| null | 4,474,206 |
2021-06-20
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
The Bureaus, Inc.
|
NY
|
12550
| null |
Consent not provided
|
Web
|
2021-06-20
|
Closed with explanation
|
Yes
| null | 4,475,592 |
2021-06-20
|
Debt collection
|
I do not know
|
Written notification about debt
|
Didn't receive enough information to verify debt
| null | null |
Remex, Inc.
|
TX
|
77042
| null |
Consent not provided
|
Web
|
2021-06-20
|
Closed with explanation
|
Yes
| null | 4,476,030 |
2021-06-21
|
Checking or savings account
|
Checking account
|
Managing an account
|
Deposits and withdrawals
| null | null |
JPMORGAN CHASE & CO.
|
CA
|
91941
| null | null |
Referral
|
2021-06-21
|
Closed with explanation
|
Yes
| null | 4,479,452 |
2021-06-21
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
DISCOVER BANK
|
TX
|
77459
| null |
Consent not provided
|
Web
|
2021-06-21
|
Closed with non-monetary relief
|
Yes
| null | 4,477,314 |
2021-06-21
|
Checking or savings account
|
Checking account
|
Managing an account
|
Deposits and withdrawals
| null | null |
JPMORGAN CHASE & CO.
|
NY
|
11229
| null | null |
Postal mail
|
2021-06-21
|
Closed with explanation
|
Yes
| null | 4,479,413 |
2021-06-21
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt was paid
| null | null |
NCB Management Services Inc.
|
LA
|
71067
| null |
Consent not provided
|
Web
|
2021-06-21
|
Closed with explanation
|
Yes
| null | 4,476,951 |
2021-06-21
|
Debt collection
|
Other debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
AFNI INC.
| null |
55014
| null |
Consent not provided
|
Web
|
2021-06-21
|
Closed with explanation
|
Yes
| null | 4,479,047 |
2021-06-21
|
Checking or savings account
|
Checking account
|
Opening an account
|
Account opened as a result of fraud
| null | null |
VALLEY NATIONAL BANCORP
|
NJ
|
07079
| null | null |
Referral
|
2021-06-22
|
Closed with explanation
|
Yes
| null | 4,483,818 |
2021-06-22
|
Money transfer, virtual currency, or money service
|
Domestic (US) money transfer
|
Fraud or scam
| null | null | null |
JPMORGAN CHASE & CO.
|
IL
|
60062
| null |
Other
|
Web
|
2021-06-22
|
Closed with explanation
|
Yes
| null | 4,482,373 |
2021-06-23
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
EQUIFAX, INC.
|
TX
|
77083
| null |
Consent not provided
|
Web
|
2021-06-23
|
Closed with explanation
|
Yes
| null | 4,485,221 |
2021-06-23
|
Debt collection
|
Other debt
|
Attempts to collect debt not owed
|
Debt is not yours
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Date:XX/XX/XXXX RE : Account Number : XXXX Original Creditor : XX/XX/XXXX Account number : XXXX Original Creditor : XXXX XXXX To whom it may concern, As I have not heard back from you in over 60 days, regarding my demand for proof, since my original notice of dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2 ) What is your authorization of law for your collection of information?
3 ) What is your authorization of law for your collection of this alleged debt?
4 ) Please evidence your authorization to do business or operate in the state of Florida.
5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
You have 15 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.
Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act.
Failure to respond within 15 days of receipt of this registered letter ( with return receipt ) will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
XXXX XXXX
| null |
EQUIFAX, INC.
|
MA
|
02136
| null |
Consent provided
|
Web
|
2021-06-23
|
Closed with explanation
|
Yes
| null | 4,484,984 |
2021-06-23
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null | null | null |
RUSHMORE LOAN MANAGEMENT SERVICES LLC
|
TN
|
37115
| null | null |
Postal mail
|
2021-06-23
|
Closed with explanation
|
Yes
| null | 4,485,713 |
2021-06-24
|
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
|
KY
|
40207
| null |
Consent not provided
|
Web
|
2021-06-24
|
Closed with explanation
|
Yes
| null | 4,488,705 |
2021-06-24
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt was paid
| null | null |
EQUIFAX, INC.
|
MD
|
20716
| null |
Consent not provided
|
Web
|
2021-06-24
|
Closed with explanation
|
Yes
| null | 4,489,029 |
2021-06-24
|
Mortgage
|
Other type of mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null | null | null |
CITIZENS FINANCIAL GROUP, INC.
|
MI
|
48127
| null |
Other
|
Web
|
2021-06-24
|
Closed with explanation
|
Yes
| null | 4,489,764 |
2021-06-24
|
Money transfer, virtual currency, or money service
|
Mobile or digital wallet
|
Unauthorized transactions or other transaction problem
| null | null | null |
Coinbase, Inc.
|
CT
|
06067
| null |
Other
|
Web
|
2021-07-11
|
Closed with monetary relief
|
Yes
| null | 4,489,070 |
2021-06-25
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
AMERICAN EXPRESS COMPANY
|
MA
|
02302
| null |
Consent not provided
|
Web
|
2021-06-25
|
Closed with explanation
|
Yes
| null | 4,491,181 |
2021-06-25
|
Checking or savings account
|
Checking account
|
Opening an account
|
Unable to open an account
| null | null |
JPMORGAN CHASE & CO.
|
CA
|
94597
| null |
Consent not provided
|
Web
|
2021-06-25
|
Closed with explanation
|
Yes
| null | 4,492,870 |
2021-06-25
|
Checking or savings account
|
Checking account
|
Managing an account
|
Deposits and withdrawals
| null | null |
FIFTH THIRD FINANCIAL CORPORATION
|
FL
|
32818
| null | null |
Phone
|
2021-06-25
|
Closed with explanation
|
Yes
| null | 4,493,133 |
2021-06-25
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null | null |
Aspen Yo LLC
|
GA
|
30034
| null | null |
Referral
|
2021-06-25
|
Closed with explanation
|
Yes
| null | 4,493,818 |
2021-06-24
|
Checking or savings account
|
Checking account
|
Opening an account
|
Account opened as a result of fraud
| null | null |
Santander Consumer USA Holdings Inc.
|
VA
|
22191
| null | null |
Phone
|
2021-06-25
|
Closed with explanation
|
Yes
| null | 4,492,839 |
2021-07-07
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null |
Our mortgage loan was sold to Mr. Cooper in approximately XXXX. We have made our regularly monthly payment on time each month. Beginning in XXXX of XXXX, we began making additional principal payments to amortize the mortgage more quickly. For the first few months it was only an additional {$200.00} or so. In XXXX, we started increasing the additional principal to around {$1600.00}. For the first month or two, it was being applied correctly, but as I was making the XXXX payment online, I noticed their system showed my payment due for XX/XX/XXXX, not XX/XX/XXXX. In looking back at the payment history, Mr. Cooper had reversed the payments we made and applied them as a regular monthly payments not giving us any credit for the additional principal. I called several times and spent several hours on the phone trying to get it fixed. They assured me it was rectified. I made the XXXX and XX/XX/XXXX payments ( in Mr. Cooper 's online system ) with additional principal and then started getting calls from them asking when I would make my XXXX payment. I assured them I had made the payment ( with additional principal ). They initially could not find the payment, but eventually did locate the funds. At this point, I went back to their online system and found that someone had retroactively adjusted my payments back to XX/XX/XXXX. By doing this, they are removing the extra principal payments ( thereby charging more interest than is owed ) and pushing out the " next payment date '' each month.
After having spent another hour or two on the phone, I was told the issue was fixed and their system hierarchy was changed to apply excess funds to principal and not apply as the next payment due. For XXXX, XXXX, and XXXX, it appeared the payments were being applied correctly with the appropriate additional principal applied. As I logged in on XX/XX/XXXX to make the payment, I noted my next payment due was for XXXX. I looked back at the payment history and again Mr. Cooper had reversed and reallocated my payments for XXXX, XXXX and XXXX of XXXX. As a result, they show my principal balance as being approximately {$4000.00} higher than it should be.
I am in the real estate finance business, so I understand how mortgages and mortgage payments work. I fear the average person would not likely have picked up on what was wrong and would be paying more in interest than is legally owed. This is effectively prohibiting prepayment of the mortgage and amounts to a systemic predatory lending practice. I have repeatedly tried to work this out with Mr. Cooper and have been told each time it would be fixed. I logged in again today XXXX XX/XX/XXXX XXXX to see if the adjustments had been made. Not only had they not fixed the issue, the payment for XX/XX/XXXX was reversed and applied as a standard payment. My loan now shows due for XX/XX/XXXX rather than XX/XX/XXXX. I made the XXXX payment through their online system which allows for an additional principal payment. I did this with a Mr. Cooper representative on the phone telling me that is how it should be done. I have a download of the payment history in which you can see all the reversals of payments. Its become so confusing that it is nearly impossible to follow. I have also prepared a spreadsheet showing how the payment should have been applied. The result is that Mr. Cooper has my loan balance at {$54000.00} when it should be approximately {$51000.00}. I say approximately as I cant exactly replicate the interest portion and due to all the payment reversals, I cant use Mr. Coopers data. I would very much like to discuss this with someone.
| null |
Mr. Cooper Group Inc.
|
NC
|
28277
| null |
Consent provided
|
Web
|
2021-07-07
|
Closed with explanation
|
Yes
| null | 4,520,833 |
2021-06-25
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null | null |
FIFTH THIRD FINANCIAL CORPORATION
|
OH
|
45014
| null | null |
Referral
|
2021-06-28
|
Closed with explanation
|
Yes
| null | 4,499,999 |
2021-07-07
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null | null |
PNC Bank N.A.
|
PA
|
17602
| null |
Consent not provided
|
Web
|
2021-07-07
|
Closed with explanation
|
Yes
| null | 4,521,347 |
2021-06-25
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null | null |
SOUTHSTATE CORPORATION
|
FL
|
33629
| null |
Consent not provided
|
Web
|
2021-07-09
|
Closed with explanation
|
Yes
| null | 4,493,380 |
2021-07-07
|
Mortgage
|
Other type of mortgage
|
Trouble during payment process
| null | null | null |
Ocwen Financial Corporation
|
MS
|
39120
| null | null |
Postal mail
|
2021-07-07
|
Closed with explanation
|
Yes
| null | 4,521,855 |
2021-07-07
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
CAPITAL ONE FINANCIAL CORPORATION
|
NV
|
89701
| null |
Other
|
Web
|
2021-07-23
|
Closed with non-monetary relief
|
Yes
| null | 4,522,881 |
2021-07-08
|
Checking or savings account
|
Checking account
|
Managing an account
|
Problem using a debit or ATM card
| null | null |
PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
|
MA
|
01376
| null |
Consent not provided
|
Web
|
2021-07-08
|
Closed with explanation
|
Yes
| null | 4,525,875 |
2021-07-09
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null | null | null |
RUSHMORE LOAN MANAGEMENT SERVICES LLC
|
IL
|
60532
| null |
Consent not provided
|
Web
|
2021-07-12
|
Closed with explanation
|
Yes
| null | 4,530,518 |
2021-07-09
|
Checking or savings account
|
Checking account
|
Closing an account
|
Funds not received from closed account
| null | null |
HSBC NORTH AMERICA HOLDINGS INC.
|
CA
|
90503
| null |
Consent not provided
|
Web
|
2021-07-09
|
Closed with explanation
|
Yes
| null | 4,529,469 |
2021-07-09
|
Checking or savings account
|
Checking account
|
Managing an account
|
Deposits and withdrawals
| null | null |
JPMORGAN CHASE & CO.
|
PA
|
19124
| null | null |
Referral
|
2021-07-12
|
Closed with explanation
|
Yes
| null | 4,535,481 |
2021-07-09
|
Mortgage
|
FHA mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null | null | null |
COMMERCE BANK
|
MO
|
63051
|
Servicemember
|
Consent not provided
|
Web
|
2021-07-09
|
Closed with explanation
|
Yes
| null | 4,529,124 |
2021-07-09
|
Mortgage
|
Reverse mortgage
|
Struggling to pay mortgage
| null | null | null |
Reverse Mortgage Solutions, Inc.
|
CA
|
91350
|
Older American, Servicemember
| null |
Phone
|
2021-07-26
|
Closed with explanation
|
Yes
| null | 4,530,087 |
2021-07-11
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
EQUIFAX, INC.
|
NV
|
89032
| null |
Other
|
Web
|
2021-07-11
|
Closed with explanation
|
Yes
| null | 4,533,309 |
2021-07-12
|
Money transfer, virtual currency, or money service
|
Mobile or digital wallet
|
Fraud or scam
| null | null | null |
Square Inc
|
TX
|
78617
| null | null |
Phone
|
2021-07-12
|
Closed with explanation
|
Yes
| null | 4,534,374 |
2021-07-12
|
Debt collection
|
Auto debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
Sunset Management, Inc
|
GA
|
31021
| null |
Consent not provided
|
Web
|
2021-07-12
|
Closed with explanation
|
Yes
| null | 4,536,272 |
2021-07-12
|
Vehicle loan or lease
|
Loan
|
Managing the loan or lease
|
Billing problem
| null | null |
JPMORGAN CHASE & CO.
|
NY
|
11758
| null | null |
Phone
|
2021-07-12
|
Closed with explanation
|
Yes
| null | 4,536,080 |
2021-07-25
|
Money transfer, virtual currency, or money service
|
Domestic (US) money transfer
|
Fraud or scam
| null | null | null |
Paypal Holdings, Inc
|
FL
|
32822
| null |
Consent not provided
|
Web
|
2021-07-25
|
Closed with explanation
|
Yes
| null | 4,571,765 |
2021-07-24
|
Student loan
|
Federal student loan servicing
|
Dealing with your lender or servicer
|
Received bad information about your loan
|
I am currently participating in the Public Service Loan Forgiveness ( " PSLF '' ) Program, a federal program managed by the Department of Education and any applicable student loan servicers, which allows for student loan balances to be forgiven for individuals who work for qualifying non-profit or governmental employers and make qualifying payments for a certain amount of time ( 10 years total ), subject to other terms and conditions. As part of this program, I submit what is called an Employer Certification Form ( " ECF '' ) annually to my student loan servicer FedLoan Servicing ( " FedLoan '' ), which certifies that my non-profit employer is a qualifying employer for the program. I have received approval of my ECF for my employer in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Attached hereto please find the XX/XX/XXXX approval letter of my XXXX ECF ( entitled " XXXX PSLF EC Acknowledgment and Payments '' ), which summarizes all of my nearly 5 years of qualifying PSLF payments made thus far, as well as the internal communication between the Department of Education and FedLoan that initially led to approval of my employer as qualifying for the PSLF program ( entitled " FOIA-PRODUCTION-US-Department-of-Education-on-PSLF-1-pdf - ICC Discussion '' ).
This year, however, I submitted my ECF on XX/XX/XXXX ( attached hereto as " XXXX Public Service Loan Forgiveness Application - SIGNED '' ) and received a reply from FedLoan on XX/XX/XXXX ( attached hereto as " FedLoan Servicing Reply to XXXX ECF - XXXX '' ) stating that FedLoan needs additional time to determine if I work for a qualifying employer and meet all other criteria for the PSLF -- even though my employer and other credentials have been certified/approved for PSLF by FedLoan ( in consultation with the Department of Education ) for the past five years without issue. It is worth noting that my employer 's non-profit status, stated mission, and governance model have not changed in the slightest since my initial employment date.
On XX/XX/XXXX, I reached out to FedLoan via it's online chat service inquiring as to the status of its review of my XXXX ECF. I was provided a response containing very limited information and no estimated deadline by which I should expect to receive a response to my XXXX XXXX. On XX/XX/XXXX, I again reached out to FedLoan via e-mail inquiring as to the status of its review of my XXXX ECF. On XX/XX/XXXX, I was provided a response containing very limited information and no estimated deadline by which I should expect to receive a response to my XXXX ECF. On XX/XX/XXXX, I reached out to the Department of Education 's office of Federal Student Aid via e-mail inquiring as to the status of its review of my XXXX ECF. On XX/XX/XXXX, I was provided a response containing very limited information and no estimated deadline by which I should expect to receive a response to my XXXX ECF. I followed up to this reply on the same date with three very imperative questions, none of which I ever received a response to. Screenshots of all of this correspondence are attached hereto in chronological order as " Correspondence with FedLoan Servicing and DOE ''.
Since this last XX/XX/XXXX correspondence, I still have yet to receive any update or decision on my XXXX ECF, which was submitted nearly six ( 6 ) months ago. In years prior, it has generally taken FedLoan Servicing a few weeks to provide its approval of my annual ECF.
On Friday, XX/XX/XXXX, I was offered an appealing full-time employment position that would not qualify for the PSLF program. I rejected said employment offer on the grounds that my current employer qualifies for PSLF and has qualified since XXXX, and pursuant to my completion of the PSLF program, I will obtain forgiveness of my six-figure student loan debt in XXXX.
| null |
AES/PHEAA
|
AL
|
352XX
| null |
Consent provided
|
Web
|
2021-07-24
|
Closed with non-monetary relief
|
Yes
| null | 4,571,506 |
2021-07-26
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
EQUIFAX, INC.
|
TX
|
77047
| null |
Consent not provided
|
Web
|
2021-07-26
|
Closed with explanation
|
Yes
| null | 4,573,235 |
2021-07-26
|
Debt collection
|
I do not know
|
Written notification about debt
|
Didn't receive enough information to verify debt
| null | null |
ORG GC GP Buyer, LLC
|
SC
|
29142
| null |
Consent not provided
|
Web
|
2021-07-26
|
Closed with explanation
|
Yes
| null | 4,575,783 |
2021-07-26
|
Debt collection
|
I do not know
|
Written notification about debt
|
Didn't receive notice of right to dispute
| null | null |
ERC
|
MN
|
55112
| null |
Other
|
Web
|
2021-07-26
|
Closed with explanation
|
Yes
| null | 4,575,419 |
2021-07-26
|
Debt collection
|
I do not know
|
Written notification about debt
|
Didn't receive enough information to verify debt
| null | null |
CL Holdings LLC
|
SC
|
29048
| null |
Consent not provided
|
Web
|
2021-07-26
|
Closed with explanation
|
Yes
| null | 4,575,855 |
2021-07-27
|
Money transfer, virtual currency, or money service
|
Debt settlement
|
Problem with customer service
| null | null | null |
Upgrade, Inc.
|
WA
|
98008
| null | null |
Referral
|
2021-08-19
|
Closed with monetary relief
|
Yes
| null | 4,576,941 |
2021-07-27
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
EQUIFAX, INC.
|
TX
|
77047
| null |
Consent not provided
|
Web
|
2021-07-27
|
Closed with explanation
|
Yes
| null | 4,576,836 |
2021-07-27
|
Payday loan, title loan, or personal loan
|
Installment loan
|
Getting the loan
| null | null | null |
Lending Club Corp
|
CA
|
90048
| null |
Consent not provided
|
Web
|
2021-07-27
|
Closed with explanation
|
Yes
| null | 4,577,834 |
2021-07-28
|
Vehicle loan or lease
|
Loan
|
Problems at the end of the loan or lease
|
Problem with paying off the loan
| null | null |
TD BANK US HOLDING COMPANY
|
MA
|
02056
| null | null |
Referral
|
2021-08-05
|
Closed with monetary relief
|
Yes
| null | 4,581,739 |
2021-07-29
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
DISCOVER BANK
|
MA
|
02301
| null |
Consent not provided
|
Web
|
2021-07-29
|
Closed with explanation
|
Yes
| null | 4,583,503 |
2021-07-29
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null | null |
PENNYMAC LOAN SERVICES, LLC.
| null |
19015
| null |
Consent not provided
|
Web
|
2021-07-29
|
Closed with explanation
|
Yes
| null | 4,587,318 |
2021-07-29
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
EQUIFAX, INC.
|
PR
|
00979
| null |
Consent not provided
|
Web
|
2021-07-29
|
Closed with explanation
|
Yes
| null | 4,585,860 |
2021-07-29
|
Debt collection
|
Medical debt
|
Attempts to collect debt not owed
|
Debt was paid
| null | null |
Southwest Credit Systems, L.P.
|
TX
|
76011
| null |
Consent not provided
|
Web
|
2021-07-29
|
Closed with explanation
|
Yes
| null | 4,586,303 |
2021-07-30
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
PORTFOLIO RECOVERY ASSOCIATES INC
|
CA
|
92660
| null |
Consent not provided
|
Web
|
2021-07-30
|
Closed with explanation
|
Yes
| null | 4,587,361 |
2021-07-30
|
Payday loan, title loan, or personal loan
|
Title loan
|
Charged fees or interest you didn't expect
| null | null | null |
OneMain Finance Corporation
|
FL
|
33319
| null |
Consent not provided
|
Web
|
2021-08-23
|
Closed with explanation
|
Yes
| null | 4,587,175 |
2021-07-30
|
Debt collection
|
Private student loan debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
JPMORGAN CHASE & CO.
|
MO
|
64063
| null |
Consent not provided
|
Web
|
2021-07-30
|
Closed with explanation
|
Yes
| null | 4,587,592 |
2021-07-30
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
ENCORE CAPITAL GROUP INC.
|
FL
|
32828
| null | null |
Postal mail
|
2021-07-30
|
Closed with non-monetary relief
|
Yes
| null | 4,588,696 |
2021-07-30
|
Debt collection
|
I do not know
|
Written notification about debt
|
Didn't receive enough information to verify debt
| null | null |
Southwest Credit Systems, L.P.
|
CA
|
90503
| null |
Other
|
Web
|
2021-07-30
|
Closed with explanation
|
Yes
| null | 4,587,162 |
2021-07-30
|
Mortgage
|
Home equity loan or line of credit (HELOC)
|
Applying for a mortgage or refinancing an existing mortgage
| null | null | null |
PNC Bank N.A.
|
CA
|
90019
| null |
Consent not provided
|
Web
|
2021-07-30
|
Closed with explanation
|
Yes
| null | 4,589,376 |
2021-07-31
|
Money transfer, virtual currency, or money service
|
Domestic (US) money transfer
|
Fraud or scam
| null | null | null |
JPMORGAN CHASE & CO.
|
CO
|
81001
| null |
Other
|
Web
|
2021-08-13
|
Closed with explanation
|
Yes
| null | 4,630,775 |
2021-08-01
|
Money transfer, virtual currency, or money service
|
Domestic (US) money transfer
|
Other transaction problem
| null | null | null |
JPMORGAN CHASE & CO.
|
VA
|
22003
| null |
Consent not provided
|
Web
|
2021-08-01
|
Closed with explanation
|
Yes
| null | 4,591,650 |
2021-08-02
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
EQUIFAX, INC.
|
CA
|
90670
| null |
Consent not provided
|
Web
|
2021-08-02
|
Closed with explanation
|
Yes
| null | 4,593,566 |
2021-08-01
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt was paid
| null | null |
Linebarger Goggan Blair & Sampson LLP
|
NJ
|
07052
|
Servicemember
|
Consent not provided
|
Web
|
2021-08-01
|
Closed with explanation
|
Yes
| null | 4,592,964 |
2021-08-02
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
CL Holdings LLC
|
TX
|
77082
| null |
Consent not provided
|
Web
|
2021-08-02
|
Closed with explanation
|
Yes
| null | 4,594,510 |
2021-08-02
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null | null |
PENNYMAC LOAN SERVICES, LLC.
|
MD
|
20814
| null |
Consent not provided
|
Web
|
2021-08-02
|
Closed with explanation
|
Yes
| null | 4,595,445 |
2021-08-02
|
Checking or savings account
|
Checking account
|
Closing an account
|
Funds not received from closed account
| null | null |
PNC Bank N.A.
|
IL
|
60025
| null | null |
Phone
|
2021-08-02
|
Closed with explanation
|
Yes
| null | 4,596,128 |
2021-08-02
|
Checking or savings account
|
Checking account
|
Managing an account
|
Deposits and withdrawals
| null | null |
JPMORGAN CHASE & CO.
|
TX
|
76131
| null | null |
Referral
|
2021-08-02
|
Closed with explanation
|
Yes
| null | 4,596,096 |
2021-08-02
|
Debt collection
|
Medical debt
|
Written notification about debt
|
Didn't receive notice of right to dispute
| null | null |
Receivables Management Partners, LLC
|
IA
|
50310
| null |
Consent not provided
|
Web
|
2021-08-02
|
Closed with explanation
|
Yes
| null | 4,596,887 |
2021-08-02
|
Mortgage
|
Conventional home mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null | null | null |
CITIZENS FINANCIAL GROUP, INC.
|
NY
|
11223
| null |
Consent not provided
|
Web
|
2021-08-02
|
Closed with explanation
|
Yes
| null | 4,596,500 |
2021-08-02
|
Debt collection
|
Private student loan debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
Bonneville Billing and Collections
| null | null | null | null |
Phone
|
2021-08-03
|
Closed with explanation
|
Yes
| null | 4,596,752 |
2021-08-03
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
TD BANK US HOLDING COMPANY
|
CA
|
90019
| null |
Consent not provided
|
Web
|
2021-08-03
|
Closed with non-monetary relief
|
Yes
| null | 4,598,323 |
2021-08-03
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
ENOVA INTERNATIONAL, INC.
|
CA
|
90019
| null |
Consent not provided
|
Web
|
2021-08-03
|
Closed with explanation
|
Yes
| null | 4,598,392 |
2021-08-03
|
Student loan
|
Federal student loan servicing
|
Dealing with your lender or servicer
|
Don't agree with the fees charged
| null | null |
Navient Solutions, LLC.
|
NE
|
68114
| null |
Consent not provided
|
Web
|
2021-08-03
|
Closed with explanation
|
Yes
| null | 4,599,090 |
2021-08-04
|
Checking or savings account
|
Checking account
|
Managing an account
|
Deposits and withdrawals
| null | null |
JPMORGAN CHASE & CO.
|
NY
|
11001
| null | null |
Referral
|
2021-08-09
|
Closed with explanation
|
Yes
| null | 4,614,631 |
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