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Consumer Complaints by Product

With a focus on financial consumer protection and awareness, BadFinance.org is a nonprofit organization dedicated to provide financial analysis and advice to US consumers. Every days our financial professionals receive hundreds of complaints from the Consumer Financial Protection Bureau and compare complaint resolution trends to better inform financial consumers.


Consumer Complaints History

New Consumer Complaints


Monterey Financial Services, Inc. Debt collection false statements or representation attempted to collect wrong amount

December 15, 2016 - When signing up for a loan through - I was told that I had one year to pay off a loan before the amount double. However, my account was transferred to Monterary Financial collection Services. I called Moneterey to settle the collection for the amount I was quoted $1300.00, however they said I owe double the initial price after only 3months. I would like to settle by dept before the 12month anniversary day comes....

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Bank of America Bank account or service account opening, closing, or management

December 15, 2016 - I am the beneficiary of my deceased brother 's ROTH IRA at Bank of America, which consists of - CD 's. I worked with an individual on the phone in the IRA department -/-/-, to set up the distribution of funds to coincide with the CD maturity dates in -/-/-, which were all within the 5 year period required by the Federal govt. However, after the first anniversary of the beneficiary IRA account, B of A sent a check for about - of the IRA. After I called to complain on -/-/-, they stopped payment on that large check and said they must do a minimum distribution. So they sent a...

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Wells Fargo & Company Consumer Loan problems when you are unable to pay

December 15, 2016 - Wells Fargo Auto Fiance is discriminating against and taking advantage of me while I am having medical issues. I have contacted Wells Fargo Twice -/-/2016 and -/-/2016 regarding my Auto loan about getting a two month deferment since I am on medical leave until - and will not be making a paycheck until I return. Both Times I was advised that my MEDICAL ISSUES and not being able to return to work until - is not a hardship! The fist time I called I was blind transferred 3 times and made to verify my info 3 times and finally spoke with a - and - advised me that my Medical issue and...

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SunTrust Banks, Inc. Consumer Loan problems when you are unable to pay

December 15, 2016 - This complaint is referring to Suntrust Bank and not the reporting agencies- I was discharged from bankruptcy in 2012. While filing, I needed to keep my auto loan with Suntrust Bank. The loan was reaffirmed with Suntrust and approved by a Judge of the United States Bankruptcy Court. I was told by the bankruptcy trustee, my attorney, and by Suntrust themselves that once the loan was paid in full that no negative reflections would appear on my credit report. I was advised by my attorney that Suntrust would report the loan as paid satisfactory ( or something of the sort ) and not show any negativ...

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Experian Credit reporting improper use of my credit report report improperly shared by crc

December 15, 2016 - I have written to Experian now many times about the inquiries listed on my credit report that have no permissible purpose and I have asked them to remove them and they refuse. Instead they want to keep putting security alerts or opt-outs on my report. This is NOT what I am asking them to do. This complaint is not claiming ID theft or asking Experian to put a security freeze or fraud alert on my report. This complaint is to ask Experian to supply me with the permissible purpose for each inquiry that is circled in black or remove them from my credit report. 1. I did not reach out to these credit...

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Experian Credit reporting incorrect information on credit report information is not mine

December 15, 2016 - THIS IS BEING FILED THIS WAY BUT TAKE NOTICE THERE IS ABSOLUTELY NO ID THEFT IN THIS MATTER AND YOU SHOULD NOT BE PUTTING ANY KIND OF FREEZES ON MY ACCOUNT. PAY CLOSE ATTENTION TO THE ATTACHMENTS WHERE I HAVE WRITTEN IN A WARNING TO NOT PUT ANY KIND OF FREEZES ON MY REPORT OR ANY KIND OF FRAUD ALERTS JUST BECAUSE I AM DISPUTING THE VALIDITY OF YOUR REPORTING. YOU DO NOT HAVE MY PERMISSION TO PUT ANY ALERTS OR FREEZES ON MY ACCOUNT. DOING SO WILL RESULT IN A LAWSUIT. FOR THE LAST TIME. - COLLECTION FOR - - IS IN THE NAME OF - -. IT IS NOT IN - - NAME AND YET YOU SAY YOU H...

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TransUnion Intermediate Holdings, Inc. Credit reporting incorrect information on credit report public record

December 15, 2016 - CREDIT REPORTING AGENCY SAYS THEY VERIFIED A BANKRUPTCY ON MY CREDIT FILE. THEY REFUSED TO IDENTIFY THE SOURCE OF THE VALIDATION. I CONTACTED MY LOCAL FEDERAL COURT HOUSE AND WAS INFORMED THAT THEY DO NOT VERIFY BANKRUPTCY INFORMATION. SO IF THE CREDIT REPORTING AGENCY CAN NOT PROPERLY VERIFY ANY PUBLIC RECORDS ON MY PERSONAL CREDIT REPORT THEY NEED TO REMOVE THIS PUBLIC RECORD AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT....

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Citibank Mortgage credit decision / underwriting

December 15, 2016 - I lost my job and already paid 12 years on loan then citi modified me for a 40 year loan and they have the right to part of my retirement this does not help it hinders I tried everything Citi wants me to move out because I ca n't afford it I want to keep this home I have been there for 16 years...

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Credit Acceptance Corporation Consumer Loan problems when you are unable to pay

December 15, 2016 - This account surpposeto be close sine - however the creditors been taking money out of my pay check....

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Citibank Credit card billing disputes

December 15, 2016 - I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of - 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me....

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Barclays PLC Credit card billing disputes

December 15, 2016 - I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of - 2013, - 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me....

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Citibank Credit card other fee

December 15, 2016 - Thought I had changed " auto-pay full amount '' to " pay minimum '' prior to payment date, because I knew there would be insufficient funds in my checking account. Apparently I did not do it correctly, and the auto-pay for the full amount was processed. I was checking all my accounts on -/-/- and saw that my balance was, in fact, considerably less than it should have been, and on investigating saw they had processed the full payment. I called immediately and they checked my account and said the auto-pay had NOT been changed, and the account was paid in full. I explained that was not possi...

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Auto Trakk, LLC Consumer Loan problems when you are unable to pay

December 15, 2016 - I contacted AutoTrakk LLC about an account being reported on my Credit File. The direct dispute was received on - -, 2016. On - -, 2016 AutoTrakk responded with a very vague reply stating that the file was verified by them, which is not adequate information for the direct dispute to be considered responded and verified. There was no supporting documentation and the dispute, as far as I am concerned was not resolved by the lack of information provided by the firm. As a result, I am more than sure that the account must be removed from my credit file and the company must cease collect...

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Shellpoint Partners, LLC Mortgage loan servicing, payments, escrow account

December 15, 2016 - Our mortgage company had paid our property taxes in full on -/-/- for the - tax year with money from our escrow. In -/-/- they pulled out a second payment for what would have been the second half payment if we were paying in two installments. The county received the overpayment on -/-/- and promptly returned it to the broker the mortgage company hires to send out payments. This money has never been returned to our account and it is 5 months later. They have raised the escrow amount on our payment every month by $600.00 trying to compensate for this missing money....

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QC Holdings, Inc. Debt collection communication tactics used obscene/profane/abusive language

December 15, 2016 - I received a threatening phone with a voice mail message on Friday, - - 2016. I returned the phone call and spoke with a gentleman and told him not to call my number again. The became disrespectful, and stated that I should pay my bill and that he would not respect my wishes and would/has continued to call my number. The gentleman is calling from - - - -. The gentleman is not aware of my circumstances and should n't assume that everyone 's a dead beat. When I took this loan, I had nearly a $10000.00 annual income. I 've since fallen on hard times and barely have a roof over...

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TransUnion Intermediate Holdings, Inc. Credit reporting incorrect information on credit report account status

December 15, 2016 - I traded my car in on the - the company that we bought our other car from said they mailed the payoff in time. There is a negative balance for that account on my credit report. when I called the finance company they wanted me to pay. They said it was a late charge with fees. Yet the car company told me that they sent it off in time and they did their research and that it was there before the next due date. So it is showing as I owe them - dollars on my report and yet when I call them they say I owe them - dollars....

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Bank of America Bank account or service deposits and withdrawals

December 15, 2016 - Bank of America is holding an - paycheck for more than 10 days simply for processing. There is no question of the validity of the check, its source or any account disputes that need to be resolved. They are simply holding the money that I earned hostage and now I am not able to buy - for my family. These banking procedures are antiquated and preposterous. I will pull all of my money out of the U.S. banking system and keep everything in cash because I am so tired of my money not being available to me when I need it. BoA has the same procedures that many other financial institutions do and...

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Credit Protection Association, L.P. Debt collection cont'd attempts collect debt not owed debt is not mine

December 15, 2016 - This is not my account. I was incarcerated during this time....

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Select Portfolio Servicing, Inc Mortgage loan modification,collection,foreclosure

December 15, 2016 - Hello, I am in the middle of a loan modification. My loan servicer asked me to send in a cashiers check for $200.00 to cover the cost of the appraisal. The letter states " to send $200.00 within 14 days of this letter ''. The letter was written -/-/2016 I did not receive the letter until just prior to the 14 day period. I contacted the servicer and was told it must be mailed within 14 days not received. I then mailed the certified funds immediately. The loan servicer then cashed the check, kept the funds and denied my appraisal since they did not receive the funds within 14 days, not wha...

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Wells Fargo & Company Mortgage loan modification,collection,foreclosure

December 15, 2016 - We have submitted a Loan Modification Request on -/-/2016 clearly more than 7 days prior to the sale date of -/-/- in compliance with Rule 3.3. However. the lender, Wells Fargo, has not postponed the sale date or even put the file in review as of -/-/2016....

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Carter-Young, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

December 15, 2016 - I have contacted Carter Young many times to inform them that the account that they are reporting on my credit file do not belong to me. I have submitted Fraud Affidavits to them and they still refuse to remove this account. I have no obligation to pay them for this debt. It is not mine and I have never open an account with them or any other facility in regards to this debt. Please assist me in getting this debt remove from my credit file....

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ERC Debt collection cont'd attempts collect debt not owed debt is not mine

December 15, 2016 - Over the course of the past year, I have received numerous calls from ERC ( a debt collection agency ) about an unpaid - phone bill in the amount of $480.00. This debt was incurred by someone living in a different area of -, Fl. Inspite of my denial of being the responsible party, my stating my address ( at which I have lived for the past 30 yrs ), and providing the last 4 digits of my SSN, they persisted in calling. AT NO TIME did I receive any written notice of debt. While checking my credit score I noticed that my - credit score had dramatically fallen. Upon further investigation...

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Ditech Financial LLC Mortgage loan modification,collection,foreclosure

December 15, 2016 - In -/-/- I fell behind on my mortgage. I hired an attorney to help me work with my servicer, Ditech, to ask them for assistance in saving my home. I have been in contact with my attorney the entire time and his office told me they were working on the case and it was going fine. Then in -/-/- I received a letter from my attorney stating he could no longer assist me because he had been disbarred for mishandling my types of cases. I then contacted my servicer Ditech and they stated I was denied due to missing paperwork. I came to the conclusion that my paperwork had not been handled cor...

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Loan Care Mortgage loan servicing, payments, escrow account

December 15, 2016 - It is my understanding that an incorrect amount is being withdrawn from my escrow account due to the tax information being incorrect in my file with my mortgage co. Escrow details : Statement dated -/-/- lists Taxes and Insurance amount owed as $260.00. Statement dated -/-/- lists Taxes and Insurance amount owed as $430.00. Statement dated -/-/- lists Taxes and Insurance amount owed as $430.00. Statement dated -/-/- lists Taxes and Insurance amount owed as $430.00. Statement dated -/-/- lists Taxes and Insurance amount owed as $430.00. Statement dated -...

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Performant Financial Corporation Debt collection cont'd attempts collect debt not owed debt was paid

December 15, 2016 - Debt is being collected through garnishment. The debt collector continues to call wanting me to pay them directly instead of through garnishment. Debt collector calls once or twice everyday and ask that I pay them instead of allowing garnishment out of my - check....

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TransUnion Intermediate Holdings, Inc. Credit reporting credit reporting company's investigation no notice of investigation status/result

December 15, 2016 - In -/-/2016 Transunion had removed all my -, they remained off for a few weeks, I called transunion as i was disputing inquiries that was my sons anyway, they told me they removed them, later to find out that they appeared back on and added more I called Immediately and told, there is nothing they will do and hung up on me, quote on quote and include that their customer service would not help and take care of the negative inquiries reporting to your credit report. i have exhausted all my fights with this rude company, please can you help me, .. I have a list of what I know they removed an...

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TransUnion Intermediate Holdings, Inc. Credit reporting incorrect information on credit report account terms

December 15, 2016 - This is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is quite clear that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditor 's part. I am quite - off you have included the following information on my credit report : - - - following items d...

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Citibank Bank account or service using a debit or atm card

December 15, 2016 - On -/-/2016 I discovered that at approximately - that morning, an unauthorized withdrawal of $2900.00 was made via teller withdrawal from my checking account at Citibank - The line item on the transaction showed the location as being at an ATM at - in - ( this is about - miles from where I live and I was never there ). I reported this at once to Citibank and opened a fraud investigation. The following Monday I went to my local branch in person, and at that time saw that on -/-/2016 ( Saturday ) at around - an additional $2900.00 was fraudulently taken out of my accoun...

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Bank of America Bank account or service deposits and withdrawals

December 15, 2016 - Bank of America closed this account, and arbitrarily decided to keep $4500.00 of mine. They claim the money orders deposited were 'not valid for deposit '. Bank of America WAS paid by - for the money orders. The tracers from - providing proof of payment are attached. Due to Bank of America not properly investigating my initial complaint ( - ), I have now incurred an additional $130.00 expense - $15.00 per money order x - ) for - to provide tracer data....

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Experian Credit reporting incorrect information on credit report personal information

December 15, 2016 - Just like the radio advised me I should do, I pulled a copy of my credit report and there areitems that just are n't accurate on it at all. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of the mistakes that are on your report about me. Please adjust the following items so if whoever looks at my credit report, they will see what a good payer and citizen I am. Incorrect Name : - This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. - This name is incorrect and is not an accurat...

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TransUnion Intermediate Holdings, Inc. Credit reporting credit reporting company's investigation no notice of investigation status/result

December 15, 2016 - I was a VICTIM of their " inquiry issue ''. back in - my inquires were all deleted off my report, I called that day and transunion verified its right and okay, a few weeks later these inquiries appeared right back on my report, no notice from transunion, nothing i called again and i was speaking with a rude CS and told me they will remain on too bad now this is n't fair, they were removed and should stay off i have proof of it, removed was - -, - -, - again, - -, - -, -, - ( which did n't come back ) all the others came back and has hurt my score for mortgag...

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Wells Fargo & Company Mortgage loan modification,collection,foreclosure

December 15, 2016 - I have been trying to apply for a modification for over a year with Wells Fargo. It has been a very stressful process due to the infinite excuses on why my loan does " not qualify '' for a " - '' modification or any government modifications through my investor, -, participates in all of them. I was approved for the " My City '' modification a few times but the payments were only $200.00 less from my original mortgage payment, plus I was not granted any principle forgiveness so, I had to appeal. In -/-/-, I spoke directly with - due to Wells Fargo slamming me with " sale dates '...

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Citibank Credit card billing disputes

December 15, 2016 - I had a Macy 's ( Department Store ) credit card for several years. I had setup autopay on the due date and it seemed to work perfectly well. My last purchase was around -/-/-. For some reason, possibly due to technical issues in the website or possible them changing the service provider, I got billed late charges of $39.00 every month from -/-/- to -/-/-. I spoke to their customer service in -/-/- and they said they will provide me credit of the late charges from -/-/-. However, I received only 5 month of credit of late charges. I require a total of the - or -...

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TransUnion Intermediate Holdings, Inc. Credit reporting credit reporting company's investigation inadequate help over the phone

December 15, 2016 - I believe that I was a victim of the " inquiry issue ''. When I called in the gentleman in customer service was very rude. I asked to be transferred to a - rep and he refused. I received no help from the rep to resolve my issue. I just want these inquires removed from my report ASAP! Ally Financial ( - inquires - American - - - ( - inquires ) suntrust Cci/ppc - bank ( - inquires ) Citizens - auto Consumer Portolio Credo First investors - - - cars...

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Citibank Bank account or service account opening, closing, or management

December 15, 2016 - -/-/2016 : Citibank promised me a $400.00 bonus for opening a checking account. -/-/2016 : Citibank reneged on this promise. -/-/2016 : I filed a complaint - CFPB. -/-/2016 : Citibank promised to pay bonus on or around -/-/- -/-/2016 : Citibank again - on promise....

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Professional Placement Services, LLC Debt collection cont'd attempts collect debt not owed debt is not mine

December 15, 2016 - My credit score was recently reduced from a creditor claiming that I owe money regarding a traffic citation. I had made disputes on my report regarding several alleged citations issued by the state of Wisconsin and was removed from my credit report. - months later, a new collection agency appeared to have maid another claim. At no point had I ever made a promise to pay to the state of Wisconsin either through verbal or contractual agreements. I would also like to add, throughout the last - years these creditors have continuously reported to the credit bureau 's for citations that have ...

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I.C. System, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

December 15, 2016 - I contacted - to inquire about lowering my monthly bill. They suggested I do automatic withdrawal. I decided against having it automatically deducted so I did nothing. I continued to make my payments on the first of the month ( 2 weeks before they were due ). Six months later I decided to change service providers and was told that since I had inquired about automatic deduction ( which I did n't ) I had entered into a new contract and there was a cancellation fee of $150.00. I signed nothing, simply inquired about lowering my monthly bill since I am on a fixed income. I either pay or my cr...

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U.S. Bancorp Bank account or service account opening, closing, or management

December 15, 2016 - I hired a usbank mortgage banker to give us a mortgage for a house we bought in - California. Our mortgage banker recommended that we apply for a HELOC and use it to complete our down payment for our house. We told him for a period of - months that we do not need it and we would be okay just paying the balance before escrow closes. At the day of the closing, my mortgage banker told me to go and get a check for $29000.00 because the underwriter " goofed up '' and the HELOC will only be availbale After escrow is done. Even thought we did not really want the HELOC, we wanted to make sure...

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TransUnion Intermediate Holdings, Inc. Credit reporting incorrect information on credit report account terms

December 15, 2016 - I have a hospital bill from -/-/2016 that my insurance for some reason would not cover. I was not properly notified of this due to change of address, so the bills did not reach me. My credit score just dropped from a - to a -. I never had a problem with resolving the bill before it reached this point, had I been properly notified. Also the balance amount of the account is $780.00, not $790.00 as the collection agency reports. I would like this removed from my credit report as soon as possible. I have never missed a payment or not paid a bill. I am trying to buy a house and this dra...

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Experian Credit reporting incorrect information on credit report account terms

December 15, 2016 - I have a hospital bill from -/-/2016 that my insurance for some reason would not cover. I was not properly notified of this due to change of address, so the bills did not reach me. My credit score just dropped from a - to a -. I never had a problem with resolving the bill before it reached this point, had I been properly notified. Also the balance amount of the account is $780.00, not $790.00 as the collection agency reports. I would like this removed from my credit report as soon as possible. I have never missed a payment or not paid a bill. I am trying to buy a house and this dra...

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Bank of America Mortgage settlement process and costs

December 15, 2016 - On - -, -, I received a - package from Bank of America first thanking me for returning my loan modification agreement and then stating that they identified the title to the property lists additional parties who must sign and acknowledge, even if those parties are not obligated under the note. In the third sentence I was offered $100.00 to sign the loan modification since they needed my help. My first thought was fraud mainly because of the $100.00 offer since I am aware of - which states no " Things of Value '' so I immediately called BOA and told the phone specialist why I ...

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Experian Credit reporting unable to get credit report/credit score problem getting my free annual report

December 15, 2016 - I requested all - reports. I got through the - process just fine. Got that report okay. But the " Get your next report '' button on the annual report webpage does not respond. So there is no way to continue on to the next - reports that I requested. So I went back into the request process, and now Experian says that " Our records indicate that you have already received your free annual credit report from Experian. '' I have not received anything from either Experian nor - yet. How can I get them now? The Experian " Contact '' page does not work. It lets you enter comments and the...

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Bank of America Mortgage application, originator, mortgage broker

December 15, 2016 - I was informed via email on - -, 2016 - the day of closing - that Bank of America would not close my loan due to an active redemption period on the home. I had been working with - - since - -, 2016 when I received conditional approval. On - -, 2016 I submitted my loan application along with the sales contract and other related documents. The sales contract included a foreclosure acknowledgment. Throughout the loan application process, I provided requested documentation in a timely manner. I would also call - - to inquire about the status of my loan applica...

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Citibank Credit card credit card protection / debt protection

December 15, 2016 - I had a credit card with citi. In - 2014 I become - and went of family leave through my job. Since then I have been completely - as determined under ssdi as having a permanent -. I paid each and every month a fee for credit insurance if I lost my job, or became -. Well both situations have inhibited myself from laying my bills. Citibank has since reported various delinquencies and have taken legal action against me and have not honored their insurance protection insurance policy that was charged on my credit card statement each and every month. I am now asking that this agency s...

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Cornerstone Mortgage, Inc. Mortgage loan servicing, payments, escrow account

December 15, 2016 - I had hail damage to my roof to due a hail storm. I have been trying to get a check endorsed by the Cornerstone Mortgage for 2 week. They are forcing me to wait on an inspection and now that the inspection is complete they want me to wait another 5 business days to have the check endorsed and returned. The work has been completed and the contractor has been waiting on payment for almost 3 weeks. They refuse to escalate the issue and are frankly not worried about the timeliness of their customer 's payments to their contractors....

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Synchrony Financial Credit card billing disputes

December 15, 2016 - I paid off the QVC Card to later find out my account is in collections. When making an order, I find out this account is in collections. I never received a notice of collections and never received a call. The collection company hung up on me for the first call. My second called proved they never tried to contact me via mail or spoken to me. I requested a letter of proof for this collection because I thing this is a scam or QVC is taking advantage of their customers and causing damage to their credit reports. I was informed my account was closed without a notice in the mail or a courtesy cal...

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USAA Savings Mortgage loan servicing, payments, escrow account

December 15, 2016 - USAA FEDERAL SAVINGS BANK 's failure to report in a timely manner my mortgage and mortgage payments to the Credit Reporting Agencies is hurting my credit. USAA was contacted by me and requested first in - 2016 by me too report my VA Mortgage Loan and payment information. Still it has not been done, as of this date. I now have - reporting : " What 's hurting your score. There is insufficient information about mortgage accounts. You either have no mortgage accounts, or there is insufficient information about mortgage accounts, in your credit file. People without mortgage accounts or those...

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Wells Fargo & Company Mortgage loan servicing, payments, escrow account

December 15, 2016 - I received a letter from Wells Fargo stating that my mortgage acct would be unavailable from - - due to them changing, not closing, my loan number due to new system and increased security. I paid my mortgage as I usually do when it became available again on - -, 2016. A few days later, I was looking at my credit report and noticed that my credit score had dropped. When looking into this, Wells Fargo had reported negative information to - as my mortgage had closed or been transferred/sold. This is now listed as a " closed '' account and also a negative report on -. I contacted...

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Synchrony Financial Credit card billing disputes

December 15, 2016 - In - 2016 I went online and ordered a " Free Trial '' offer from - and was only to pay Shipping and Handling. I should have known better and looked for very small print that might obligate me to receive future product, there was n't any. After reading numerous similar complaints online even under - Consumer Complaints, they all say the same thing. I was temporarily in -, I returned to my home in - - -, 2016. When I received my Statement from Synchrony Bank in -, I noted the charges of - $86.00 and $89.00. I immediately called Synchrony Bank and disputed the charges...

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TransUnion Intermediate Holdings, Inc. Credit reporting incorrect information on credit report personal information

December 15, 2016 - Hello, My name legally changed in 2015 and the credit reporting agencies refuse to accept the court order and make the change to the credit report ( The previous name must not be disclosed, per court order - more than five years after the change ). This has resulted in a denial of credit because of lack of a credit history and a fraud alert on my account. They have stated that they will not change the information unless it comes from an original creditor, but this is false credit reporting because it is my history, my former ( birth ) name, and my new ( legal ) name. One of them did finall...

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Experian Credit reporting incorrect information on credit report personal information

December 15, 2016 - Hello, My name legally changed in 2015 and the credit reporting agencies refuse to accept the court order and make the change to the credit report ( The previous name must not be disclosed, per court order - more than five years after the change ). This has resulted in a denial of credit because of lack of a credit history and a fraud alert on my account. They have stated that they will not change the information unless it comes from an original creditor, but this is false credit reporting because it is my history, my former ( birth ) name, and my new ( legal ) name. One of them did finall...

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Santander Bank US Bank account or service making/receiving payments, sending money

December 15, 2016 - Overnight on -/-/16, my Santander checking account received multiple " hits '' from an unknown source in - -, -. Most were duplicate, repetitive charges which now total more than $3000.00 on my account. As of this morning, my account is overdrawn - $1400.00 and growing. I contacted the bank at - this morning to advise them of the fraudulent charges, and my ATM was cancelled. I was then told that the money would stay OUT of my available funds, leaving me overdrawn and without money, until such a time as the vendor requested payment and they " post '' to my account. I 'm su...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

December 15, 2016 - After buying a home in 2004, the mortgage eventually ended up being serviced by Specialized Loan Servicing , LLC. I have requested that they remove the PMI since my loan is below the 78 % LTV figures and have provided my PMI disclosure that was signed at closing stating that it will fall off after getting to that amount. However, SLS says that they wo n't remove the PMI even after 3 months of trying....

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Experian Credit reporting credit monitoring or identity protection problem with fraud alerts

December 15, 2016 - I have repreatedly tried to temporarily lift a security freeze on my Experian credit report online. Each time Experian refuses to permit this being done online since I have been placed in " Special Handling '' as retribution due to previous CFPB complaints. I enter my data precisely as listed in a recent Experian report, I enter the correct PIN previously provided by Experian ( which I have used before successfully prior to being placed in Special Handling ) as well as entered valid payment details, each time Experian refuses the request. Writing in to temporarily lift a security freeze is...

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Wells Fargo & Company Mortgage loan servicing, payments, escrow account

December 15, 2016 - I PAID .WELLS FARGO BANK OF - IL. - -. DOLLARS ON -/-/2016. THEY ACKNOWLEDGE RECIEPT BUT DO NOT KNOW WHERE MY MONEY IS AND DO NOT KNOW WHY IT IS NOT CREDITED TO MY ACCOUNT....

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Bank of America Credit card apr or interest rate

December 15, 2016 - One month, I paid only - % of my credit card bill ( due to an oversight ). Bank of America charged me interest on 100 % of the bill, rather than the 5 % I owed. This amounted to over 40 % interest in a month, or a APR of over 5500 %. I called to complain, and they reset it, but this is presumably happening to many BoA customers all of the time....

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Synchrony Financial Credit card billing disputes

December 15, 2016 - WE PURCHASED AN OVEN FROM THE LOWE 'S - STORE IN - 2016 AND OPENED A CREDIT CARD ACCOUNT TO GET AN E-TRA 5 % OFF. They delivered the wrong oven & returned it to there store in - Florida. We never received any goods ( oven ) or services from Lowe 's so we cancelled the oven on - -, 2016. They are now, Lowe 's credit, sending me a bill for $180.00. Again, we never received any goods or services ... just frustration in trying to get the oven we ordered. We called Lowe 's Corporate offices in North Carolina but they advised it was a store/credit issue and they would not get invo...

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TransUnion Intermediate Holdings, Inc. Credit reporting improper use of my credit report report improperly shared by crc

December 15, 2016 - Over 30 days ago, I sent a dispute to TransUnion via certified mail, informing the credit bureau that several inquiries listed on my credit report are not my own and they refuse to remove them saying they are a fact of factual record and can not be removed. TransUnion is sharing my credit file without my authorization and telling me who they are giving my credit file to! I demand they delete the credit inquiries listed below OR provide the investigation results that prove that the inclusion of all these inquiries comply with federal law. I will not wait 30 days for TransUnion to " investigate ...

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TransUnion Intermediate Holdings, Inc. Credit reporting incorrect information on credit report information is not mine

December 15, 2016 - For nearly a month, TransUnion has been reporting a collection from " - '' a/k/a - - - on my credit report, tarnishing my name and making me unqualified to obtain an auto loan with - due to this collection. I 've disputed this collection with reporting agency and TransUnion but TransUnion reported that the reporting meets requirements of the FCRA. IT DOES NOT. On - -, 2016, I called the original creditor of the debt, after investigating, - - discovered that the payment I made before my account was turned over to - was credited improperly. - pulled my accoun...

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Select Portfolio Servicing, Inc Mortgage loan modification,collection,foreclosure

December 15, 2016 - I have been pleading for the full consideration of my situation, understanding and assistance to keep my home as I try to straighten out my life since -. I was diagnosed with - - ( - ) in the -, have undergone - that had caused difficulty in meeting my financial commitments, including mortgage payments. After I stopped the -, I was dealing with -, though I did n't give up, and moved forward with plans to complete my studies and committed to work hard in order to keep my place. I requested assistance from - Housing Finance Agency regarding Home Saver- a foreclosure p...

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