BANCO POPULAR DE PUERTO RICO CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/28/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11432	Web
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. BANCO POPULAR DE PUERTO RICO XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers. The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information. 2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. 3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. 4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time. 5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. 6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ). XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ). Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ). The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections. Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United States or aliens lawfully admitted for permanent residence. ). SOFT INQUIRIES DISPUTES : IMMEDIATE ACION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXXXXXX XXXX
06/20/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR 00976	Web
On XX/XX/XXXX, we received a call from Banco Popular in the Loss Mitigation area to offer us several options. After an extensive interview and several questions, they gave us an evaluation and informed us that we were candidates to apply for a " short sale ''. But, what use is it to make a written statement of the hardship and documentation evidencing said hardship. Next I will make a summary of the events and efforts that we have carried out. We are going to be very honest with you ; Countless steps have been taken around the property, making a recount or summary of everything is something extremely onerous and draining at the same time ; but, within our compilation of documents and communications, we will try to do the most summarized, in the order in which the steps and events were carried out. As we all know, on XX/XX/XXXX, Hurricane Mara unfortunately passed through Puerto Rico, and with it our property was whipped by the winds ; but above all due to a strong runoff of water, not only from rain, but also from sanitary ( black ) water. I don't want to dwell too much on material losses ; I summarize it, in that everything that touched the sewage had to be discarded. Lots of losses. In terms of flooding, which was horrible, and this can be evidenced in the report presented by the soil expert, XXXX. XXXX XXXX ; the flooding and winds caused a landslide, which resulted in the land undermining the property below, creating a hole, and thus causing structural damage to the property. Such erosion gradually makes the structure UNSAFE, eventually becoming UNINHABITABLE. ( See annex A expert report ). We want to emphasize something ; when this property was purchased, that had never happened, so this area was NOT on the map as a flood zone. Now, after Hurricane Maria, every time it rains hard, the street continues to flood, which creates anxiety and uncertainty in us, that at any moment we will have to flood again. And, to make the situation worse, when it rains, the sewage spills out in front of the property, which causes an unbearable stench, and is also unhealthy for your health. The contracted expert, Engineer XXXX, made it abundantly clear in his report, and we quote : Although the actual costs will depend on the amount provided for each of the relevant engineering professionals and the contractor, it is the undersigned opinion that consideration should be given to an approximate budget of between {$60000.00} to {$75000.00}. The aforementioned, is the record of the dam in all this. Summary of post-Hurricane Maria events : After the passage of the Hurricane, my wife and I, with the greatest of wishes, took on the task of cleaning everything as best as possible, continuing to pay for the property, and starting to manage the claims to the respective insurers, ( XXXX, flood ) and ( XXXX, XXXX ), As is public and general knowledge, insurers took several months to answer the claims of their insured, in which in many cases, to date, ( almost two years after the event ), They have not yet resolved the claims. In the meantime, my wife in XX/XX/XXXX had some health complications, in which she had previously undergone on two different occasions in XXXX. There was no recovery and she continued to feel poor health, she had to make the decision to quit your job to be able to concentrate on your health and thus be able to find a proper diagnosis and treatment to follow. Even with my wife 's loss of income, we continued to pay the mortgage up to date, as we did not want to be affected in our credit, since we knew the importance of having excellent credit. On XX/XX/XXXX, the insured XXXX denied us flood coverage. On XX/XX/XXXX, XXXX was asked for reconsideration. Suspecting that XXXX was refusing to provide us with coverage, we proceeded on XX/XX/XXXX to file a complaint with the Insurance Commissioner. A few days after filing our complaint with the Insurance Commissioner, miraculously, we received a call from the XXXX offices, informing us that on XX/XX/XXXX they had sent us a letter granting us the reconsideration, and that the same It had been returned to the wrong address. In said letter they approved in part, but not before letting us know, that the policy did not cover the landslide damages claimed. On the other hand, we were still waiting for the insurer, XXXX, to answer us if it would cover the cost to fix the landslide and erosion of the property. It was not that at our insistence, that on XX/XX/XXXX they answered us denying us coverage ; that in turn we send you a letter dated XX/XX/XXXX. By the month of XX/XX/XXXX we had already been oriented by " Loss Mitigation '', and we decided to take advantage of the moratorium related to Hurricane Mara, hoping that at some point we would have some positive or encouraging response from one of the insured ; and even from the Insurance Commissioner 's Office itself, to be able to rebuild the property and not have to deliver our property. After several calls to the Insurance Commissioner 's office inquiring about the status of our claim and to top it off ; knowing that the expiration year of the term to sue the insured was about to expire ( that at that time the lawsuit before the Supreme Court on the expiration of the claims for Hurricane Maria had not yet been resolved ) ; On XX/XX/XXXX, we proceeded to file an Informative Motion before the Insurance Commissioner, which was quite detailed, with the hope that our claim would be resolved before the time to sue expired. Almost every day my wife made phone calls to XXXX XXXX XXXX XXXX to find out the status of the case, since we urgently needed it to be resolved before the year after Hurricane Mara passed. On XX/XX/XXXX, the legal representatives of XXXX requested an extension so that in a term of XXXX days they could submit the final position to the motion presented by us ; allegedly because they needed more time to evaluate the expert report signed by Engineer XXXX. all of the above, to continue lengthening the process. Even though since the month of XXXX of that same year said report had been sent to them for review and/or comments. Just days before the anniversary of the passage of Hurricane Maria through Puerto Rico, the Office of the Commissioner of Insurance had the courtesy to grant said extension, which expired on XX/XX/XXXX. It was not until XX/XX/XXXX, ( date on which they were outside the requested extension term and days after the year of Hurricane Mara ), which the legal representation of XXXX answers, and, therefore, denies our claim for damages caused by Hurricane Mara. On XX/XX/XXXX, the Office of the Commissioner of Insurance replied. Once the insured XXXX denied us coverage, we proceeded to call the offices of XXXX XXXX to see if they could take our case and/or guide us on the matter. Since the date of the first year of the passage of the Hurricane was so close, and they were extremely busy filing the demands so that they would not expire, they did not want to give us an appointment. They informed us that they did not want to take any risks, and preferred to wait to see if the Supreme Court 's decision was lowered, before filing any claim outside the statute of limitations. So we had no more to wait. Thus, we had no choice but to go back to the Loss Mitigation offices to explain our situation and see what other alternatives they could offer us. So they offered us a modification, in which the documentation was delivered to see if it was feasible for us. At our insistence, and even knowing that we were out of time to sue, we wanted to try again by calling XXXX XXXX, so that even if it was out of time, they would give us an orientation to see what the next step to follow would be, since all the steps that we had done had been unsuccessful. On XX/XX/XXXX they granted us the appointment. Below is a summary of what happened at the meeting with XXXX XXXX. That the Commissioner is not going to enter into whether or not it covers a contractual dispute, which is outside the scope of what the Commissioner can resolve. Rather, the Commissioner resolves if the insurers are not doing their job of adjusting the claim in a reasonable time, and they have to extend and do not resolve. There they do put pressure on them, because the Insurance Code says 90 days, or, they can be extended for just cause that one does not bring documents. In general, they have the practice, that they ask you for one thing today, a month goes by, they ask you for b, and they stretch the gum to extend the term. And, then later they say, ah, you took me to the Commissioner, but you owe me information. But it is that you did not give me that information on day 1. You asked me for it on day 60. Having been able to ask for it on day 1. In other words, they have their tactics too. And if the Commissioner detects these practices, he does have the power to impose fines because they are not following the Code as it should. But, as for entering into the controversy that exists here, which is a contractual question, whether the policy covers it or not, that is something that is up to the courts. That the Commissioner is not going to enter. And, they are going to say, Commissioner dismisses this, because they are talking about whether I denied or not denied, and this you are not the one who decides. This is a contract compliance dispute, which is disputed in court. He understands that the case would be solid to sue and argue even more, because the last determination, the one that they say denied coverage, was already approaching the year after Hurricane Maria had passed. In other words, it does indeed help, he starts arguing, How come I was a year old? If all this time we have been discussing the case. But, that they are going to fight it, they are going to fight it. The attorney let us know that the case was good enough to sue both insurers. Because it gave him the impression that XXXX also stomped because it would be up to them to pay for the part of the structural damage to the property. That this had been a contract. That we were paying for that within the mortgage. Because through the mortgage, they were forced to respond thanks to the payment that we made, in consideration of that payment. The bank does not pay it, we pay it with the money that is paid to the mortgage every month, and from there the bank takes it and pays them. And, with these payments, they are obliged to respond in the event of an event, and here the event happened. But until the supreme court resolves, nothing can be done. Because they run the risk of losing all the money invested in the lawsuit. On the other hand, he also informed us that it seemed to him that the complaint before the Insurance Commissioner was not going to bear fruit. The issue was that the claim be addressed, and it has already been done. Regarding the complaint regarding the cover, she understood that the Commissioner was not going to go into the merits, because that is a contractual issue, which the party is not satisfied with. It was to put pressure on them to resolve, and they already resolved that the cover was denied, so he recommended that we request the dismissal before the Insurance Commissioner and look for other alternatives with the bank. After that meeting with the lawyer we left even more discouraged. Therefore, on the instructions of the attorney, we proceeded to request the dismissal of the complaint before the Insurance Commissioner. Thus, we decided to meet with the bank again to see what other alternative we could do. On two occasions an alternative of " Loss Mitigation '' was requested, but the bank only wants to lower a tiny amount to the monthly payment of the property, and we would have to pay again in 30 years. To which, after evaluating both alternatives, it is not feasible for us, since we would still have to invest the amount to rebuild the property, since if we do not do it in a few years the house would become uninhabitable for us. On XX/XX/XXXX, we were summoned by Banco Popular in relation to the foreclosure of the mortgage. Subsequent to that date, we went to a lawyer, who presented our case to him so that he could guide us on the procedure to follow. After having listened to all our ordeal, someone finally gave us a feasible alternative. That is when he advises us to go to the bank again, and explicitly request what is called a Deep in Lieu Foreclosure Non-retention. He informed us that the bank does not offer this alternative, that it has to be requested in order for it to be offered to us. After having explained the pros and cons of this option, we came to the conclusion that this would be the feasible alternative for us. Since starting a new 30-year loan on a house that is destroyed, which according to what was stated in the expert report of engineer XXXX, that this house will soon be uninhabitable if the {$65000.00} is not invested in the reconstruction, we understood that this is reason of weight to request a " Deed in Lieu Foreclosure Non-Retention '', and, therefore, not wish to retain the property. In addition, the expenses are extremely high. Thus, we went back to the bank and asked for said option, which we filled out the entire document and delivered everything that was asked of us. The bank proceeded to send a bank appraiser for the property. As of XX/XX/XXXX, the as is valuation of our property was {$38000.00}. ( Appraisal is included. ) After said appraisal, with all the sufficient evidence about the management and conditions of the property, the bank denied us said option. As you have seen from the beginning, at all times we have been acting in good faith and always looking for alternatives, without leaving the bank alienated from the proceedings. It wasn't until we had no more options, that we literally threw in the towel, and decided not to want to retain ownership. In XX/XX/XXXX, Banco Popular filed a motion in compliance with the order and in request to stop the proceedings due to the pandemic, and the court granted it It was not until the end of XX/XX/XXXX that the court reopened the case and referred it to the XXXX XXXX. On XX/XX/XXXX, a conference hearing was given on the XXXX platform. XXXX XXXX XXXX, Mediator, XXXX XXXX, representative of the bank, and my wife, XXXX XXXX and the undersigned, attended said conference. In said mediation they offered us several alternatives, among them the " short sale '', which previously they had not wanted to offer us. Therefore, XXXX XXXX proceeded to schedule a call from the Loss Mitigation area for XX/XX/XXXX. We deliver all the documents that the bank demanded of us. The bank proceeded to make a new appraisal which valued the property at {$42000.00}. ( The appraisal is attached ). However, even with the appraisal so low, the bank sends us a letter offering us a mortgage modification. We do not understand, if they themselves were the ones who offered a " short sale '', and we delivered all the documents addressing it, they did not give us any explanation about the denial of the " short sale '', they only sent us this letter. ( Bank letter is included ). So they offer " options '', but in the long run we always get to the beginning, to the " mortgage modification '', which for obvious reasons, will not be accepted. Like a house appraised at {$42000.00}, they want us to pay {$120000.00} for 30 years, plus assume the expenses to fix it. On the other hand, we have made every effort to sell the property, so much so that we have a realtor working on it. When she saw said appraisal, she informed us that definitely in order to be able to sell said property, what would correspond would be a " short sale ''. No one in their right mind is going to buy a property at an overpriced price, and with so many repairs to be made to the house, which would increase expenses even more. According to the land expert, approximately {$70000.00} must be invested in the property to put it in optimal conditions and habitable. Since in the long run if the arrangements are not made, there is a risk of an imminent collapse. ( This is what the expert expresses in his report, which is attached to the appraisal ). You can imagine how we feel. We had faith that this time the bank would finally accept the option of a " short sale '', but the result was the same from the beginning. They still have all the insurance, they do not want to assume that loss ; but nevertheless, they want us to assume it. They will continue to act in bad faith. For all of the above, what we request is that you grant us a " short sale '' on our property, and, thus, free ourselves from this mortgage in its entirety, and to be able to move to a property that is safe and be able to return to start again. This process towards you was guided by the court mediator. Since she herself realized that the bank is acting in bad faith and does not want to help us in any way. Waiting for your prompt response to the matter, I remain. Cordially,
05/27/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	PR XXXXX	Web
I bought a car XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX vin # XXXX WITH PLATE # XXXX and gave my previous XXXX XXXX XXXX in trading for a {$22000.00} and {$4500.00} in cash to XXXX XXXX XXXX XXXX. dealer in XXXX XXXX XXXX XXXX and in the transaction the XXXX XXXX XXXX residual debt o {$16000.00} were cleared and the rest amount applied to my downpayment for the new car and XXXX XXXX that XXXX Banco Popular XXXX XXXX XXXX. The delarer first equal the monthly payments to {$950.00} then suddenly up the interest and the monthly payment $ XXXX after all was settleddown. I continued make the payments, I have an accident in XX/XX/XXXX and the car was repaired, and all parts were new original replacements, and I paid the difference amount that XXXX Insurance denied to cover. I make my payments by phone in automatic system and with bank associates. In XX/XX/XXXX XXXX XXXX washitted by XXXX XXXX and before that XXXX XXXX, both declared disasters, I was economical injury due to business discontinuty the bank denied my moratorium right because they said the loan was in late payments, they dissapeared my XX/XX/XXXX payment that I make by phone when Banco Popular acquired the ReliableBank. The Reliable Bankcontiuosly calling and threathened me that they will resposses my vehicle afte I mmake adownpayment with a trading car {$22000.00} in value and {$4500.00} in cash, and after I repaired and make all maintenance and paid my isurances policies, I went to XXXX XXXX in XXXX and get a debt cetification. In XX/XX/XXXX the bank went to my house and took the car without any legal order, and without any police report, I have to went Banco Popular n XXXX XXXX, XXXX and they charge me again XX/XX/XXXX payment and 16 late fees charges that all summarized more than one monthly payment because they deleted the payment on my statement and asked me to pay 6 payments without moratorium or defferement on payments that they should put on the end of the loan, I have to paid more tha {$7500.00} that day to get my car back because thay have someone insidethat Banco Popular XXXX XXXX XXXX XXXX Location bank thelawyer office that tookthe car from my home interested on the car. I took a loan from my business and paid what the bank said. After that I didnot make any payments because I know that they act illegally and discrminate against me after the disaster. I have managed many crisis due o disaster at the same time and noone help me noone gave meloans, or aids to make my payments, and the lanndlord of the house that we have an verbalagreement of buy the house that I lived and payid the mortgage for 72months plus because I paid the doube amoun for each month like 144 payments on mortagage took me out of the house with a courtorder with no impartial judge that did not care nothing about my rights after the disaster. In the day that I have to move on XX/XX/XXXX I was attecked by the movers that steal 54 boxes of my moving stuff and damage and broke my kitchen oven, damage my matress with grease and dirty and damage my tables and other stuff, they make damages to two of cars gears and the bank was continuously calling me again threatened me to reposses the car. I was very sad and frightened because the movers are like 7 mens and I am alone and deseperately called the guy that previously called me to repossesthe car and said that he must come and pickup the car, and I did not gave him the keys in order that the bank should call me and coordinate a meeting to get new loan payment arrangements due to all things that Ihave suffered due to the disasters Irma and Maria Hurricane aftermath events due to the caos in the island and uncertianty, but the bank never ever called me, I called the guy and told him a friendly reminderthat he took my car without any court order. I have tomove like 85 miles away, and I was constantly traveling to XXXX for an employment position and other jobs related events, I have a crash on XX/XX/XXXX I called, I went to the bank, andthey told me many lies in order to not return my car, they said that they sold it 5 days after my accidents in less than 3 months without any auctions without any notification to me, they said that the car have a new plate and new goverment permit seal to transit on roads and highway, and when I went to goverment licensee department the car is still under my name, without newpermit with my plate, I tried to recover my car inmediatelly after my accident because I totaly lost my unique transportation on the accident and the insurance paid meand cover the lost, the Banco Popular of XXXX XXXX sold my car without any auction and without any notification and report tomy credit report the whole debt of {$100000.00} and then change to {$67000.00} and then change to {$61000.00} and then change to {$13000.00} in a deficiency when we have a 5 years contract and I put all my revious transportation in the trading and downpayment in cash and make like 29 payments of {$1100.00}. Ipaid including trading, downpayment, insurance policies, repairs, maintenance, monthly payments, late fees approximately amount {$84000.00} plus in ruft summarizedtransactions and have suffered from bank associates in each contacting events by phone calls, by personally visited the banks location discrimination due to my economical enjury due to business discontinuity due to declared disasters survivor. They denied me the option to put the 6 payments at the end of the loan because they deleted my XX/XX/XXXX that Imake by phone call from my statement in a very convenient way for them. They discrimianted me they treated me like you don't deserved to have a XXXX due to my appearance, my gender and my age, and my backgroun when I come from the island not from the metrozone, they bias and not saw that I have a previous XXXX that I included on the transaction. They humilliated me and have the car in their possesion because the lawyer that took the car from my house onXXXX XXXX, XXXX XXXX XXXX XXXX told me by phone that he have the car and gave maintenance. Also they went on XX/XX/XXXX to XXXX XXXX and ask for a new set of keys and are using my car. An denied me the right to arrange the payments or modified the loan because Ihave to returned my boat to Banco Popular in order to received my money from my Certificate of Deposit because the denied me the right to have a loan without a collaterall as same conditions as other citizens due to my gender, due to personal status of divorced, and due to my age and due to my background. I need my car They reported to my credit report debts that I did not have because they took my car from my home and denied the access to get it back and denied me the right to rearrange or modified the loan after the disaster and put me a veru higher intereste in order to took all my moeny from my accounts. I submitted all documentation in the claim that I make about XXXX XXXX XXXX XXXX because the actions that make Banco Popular of XXXX XXXX was to intentionally damaged my credit in order to denied me the option to have my stuff, they have a personal agenda against me in bias and discrimnated way. I finance a {$7500.00} for the XXXX XXXX XXXX price {$84000.00}. 1.I gave my XXXX XXXX XXXX in trading and received from the dealer transaction {$22000.00} on XX/XX/XXXX and the unit have a residualdebt of {$16000.00} that was covered with the amount that the dealer put for the trading, and have a amount {$5400.00} plus I gave in cash {$4500.00} all summarized {$9900.00} of downpayment in cash and the balance from price will {$74000.00} they add plate and permits charged of $ XXXXand the total amount to finance was {$75000.00} they increased the interest to7.95 % and put a residualcharges of $ XXXXXXXXso the amount {$96000.00} plus my down payment {$9900.00} on {$100000.00} for the value of the car at the end. I tried to refiance before XX/XX/XXXX with Penfed but they did not want tofinance because said that the car was overvalued and the market value to XX/XX/XXXX was {$48000.00} like more tha {$60000.00} in the difference that XXXX XXXX and Banco Popular overvalue the car. I make payment number 1 of {$1500.00} and have to pay 64 payments of {$1100.00} and then 1 payment of {$21000.00}. The loan payments started at XX/XX/XXXX and have to pay on XX/XX/XXXX without late fees. Ipaid on insurance policies # 1 {$1700.00} policy # XXXX with check XXXX of my account ending onx XXXX.On accident repairs I have topay {$1100.00} of $ XXXXcars accident repairs costs. I did not have the paper where I wote down the XX/XX/XXXX payment confirmation numeber because I was driving on Highway XXXX in the morning and lost the paper in the moving and they called and I resposed the called and authorized the payment. They took revenge on me and put all payments afterMay XXXX late each monthsThe monthly payments where 2 {$1100.00} at XX/XX/XXXX, payment 3 {$1100.00} XXXX, # 4 XX/XX/XXXX {$1100.00}, # 5 XX/XX/XXXX {$1100.00}, # 6 XX/XX/XXXX {$1100.00}, # 7 # 8 # 9 they put on moratorium but not at the end of the loan, payment # 10 make a payment of {$7100.00} ( XX/XX/XXXX waspaid XX/XX/XXXX and have to repayment, 16 extracharges of $ 57.90/each+ XXXX and XXXX payments XXXX, # 11 {$1100.00} XX/XX/XXXX, # 12 {$1100.00} XX/XX/XXXX, # 13, # 14, missed or deleted frommy statement, # 15 {$1100.00} XX/XX/XXXX, # 16 XX/XX/XXXX {$1100.00}, # XXXX {$1100.00}, # 18 {$1100.00} on XX/XX/XXXX, # 19 on XX/XX/XXXX {$1100.00}, # 20, # 21, after the hurricanes hitted XXXX XXXX. The payments to insarnces were approximate for XXXX, {$1700.00} plus {$200.00} the dealer charge after the transaction, for XXXX {$1600.00} and for XXXX they pretend to charge me {$2400.00} on policy # XXXX plus permit seal in {$300.00} like to {$5400.00} payments on insurances policies. When I went to the bank after they took mycar from my home without any orderthey charged me and obligated me to make a payment in order to recover my car XX/XX/XXXX {$1100.00}, XXXX XXXX {$1100.00}, XX/XX/XXXX {$1100.00}, XX/XX/XXXX {$1100.00} and XX/XX/XXXX {$1100.00} without any arrangement or refinance plus XX/XX/XXXX payment of {$1100.00} plus 16 charges of {$57.00}. aND SAID THAT THE DEBT UPTO XX/XX/XXXX IS {$61000.00}. They gave mesome documentation intentionally they kept a certification updatewith the payment that I make to recover the car and gave me the old certification that I paid before, so paid for two same certification and they change the debt amount from XX/XX/XXXX to XXXX 2018said that the debt is {$66000.00} they change it too {$68000.00} $ XXXX that they charge me for the lawyer and towing services that I did not have to pay because I did not contracted them and they did not have a court order to remove my car after the disasters without any arrangement in order to steal the payment of {$7200.00} approx that I make on XX/XX/XXXX. Between certifications there are a difference of {$1400.00} that they pretends to steal me and charge me after deleted the XX/XX/XXXX payment.
06/21/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PR 00969	Web
On XX/XX/XXXX I started a loan application process in Banco Popular de Puerto Rico. Since I apply for the mortgage loan, I notified to the bank that the seller is under bankruptcy law and that he could not continue paying the property ( which does not exempt him from the debt, but the bank was notified so that they can see the degree of urgency to sell and bought the property ). On XX/XX/XXXX ( 125 days after I apply for the mortgage loan ), they contact me to tell me that my loan was approved. But during all this process the bank never explained to us ( seller and buyer ) some important issues : 1. The loan was requested by FHA on XX/XX/XXXX, since the loan could not be completed by FHA, they offered another product name " conventional non-conforming '' which I accepted. For some reason and without my request, the bank closed my application, as if I had abandoned the application, which was not true. So the bank started a new application process on XX/XX/XXXX. 2. During the month of XX/XX/XXXX the request of the loan suffered delays because some internal issues of the bank. As indicated by the bank ( Banco Popular de Puerto Rico ), this delays was because some kind of debt ( if I am not wrong and if they explained correctly ) during the property title study, a debt appeared since wen the actual seller bought the house in discussion ( in the year XXXX or something like that ), as if the payment of the loan had not been completed by the bank who owns the mortgage loan at that time to the new bank acquiring that loan. I understand that this is a situations between the lawyers at the time the mortgage loan closure was made : a. Banco Popular acquired the portfolio of mortgage loans where the seller acquired his loan for the property. b. At the moment Banco Popular acquires the loan portfolio, apparently the bank to not perform the necessary due diligence to verify that the loan portfolio acquired to make sure that it was in order. c. This is a situation of a business of which I had nothing to do and is not related to my application, but still affected and delay my loan mortgage process. 3. Why during this process the bank never offered me alternatives or could not explain the following? a. That the title study of the property expired and the bank let the document expired due to bank arrears. When the document expired that when I learned that the Banco Popular wanted charge me {$110.00} for the same title study. ( Question, because they did not tell me that this document expired and that to keep the same one in force every 30 days they could do it for a cost of {$25.00} and not for {$110.00} as they tried to charge me. ) This information was never given to me by the mortgage department. From the dates of XX/XX/XXXX, to XX/XX/XXXX, it took a long time to resolve the situation and during this process I was making follow-ups to the bank ( Banco Popular ) asking for its status and in many cases they did not give me an answer for what. b. On XX/XX/XXXX the bank approve the loan, but they tell me XXXX and only me ) that he is subject to make the improvements to the property mentioned in the appraisal of XX/XX/XXXX ( the appraisal was made with the intention of acquiring an FHA loan, so this type of loan have some federal requirements that the conventional non-conforming does not have ). By not understanding this policy or process of the bank, where a person who is not owner of the property, required to make improvements. I explained and claim my point to the bank and look for alternatives to close the loan as soon as possible because I had been waiting for a long time and I want to reach an agreement with the bank. So the bank tells me that I have to make the he property improvements to try to close on or before XX/XX/XXXX, since in XX/XX/XXXX the appraisal also expired and this include more money. I agree to make the repairs in a period of 3 days ( which I had to sacrifice time and money ) in order to be able to close on time since Banco Popular has been in the case since XX/XX/XXXX. ( Note : important and curious, why the seller was never notified about this process, according him, he told me, he was unaware of this process because the bank never contact him. He is the owner of the property, who really had to make the improvements? Did he have to know about the process? 4. I made the repairs to the property as the bank request ( in 3 days XX/XX/XXXX to XXXX XXXX ) and the appraiser inspects the property on XX/XX/XXXX and he give me the approval to close the loan. Next day the Banco Popular sent me the closing disclosures, there were some amounts of money which I did not understand, and which one of its employees indicated to me that this amount was a credit from the bank to the seller, I tell the employee if it is a credit that better add that amount to the other {$2500.00} that the seller was going to contribute for closing costs ( since in the original number there was a surplus of the loan and the seller was going to contribute for closing costs ) and the employee tells me that they can no longer change the numbers, he recommended to speak with the seller so that we can make the arrangements to paid the money. I was left with that doubt and I communicate with the origination employees that was the person who started the process, who knows all the problems I have had with the application and he explains that it is not a credit that is a contribution that the seller has to make for the months he has not paid the loan from XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX, plus charges for arrears and additional legal expenses for carrying 5 months of arrears. ( At what time the bank never explain this to the seller or to me within the months of XXXX to XXXX? ) 5. From XXXX to XXXX I have been contacted about 8 different Banco Popular employees related to my loan application. ( Due to this, more delays occur, this initial communication is lost where the originators have the knowledge of what is happening and the situations of the seller and the buyer, this inefficient process that the Banco Popular kept turned my case into one more without giving it the priority that merited, because according to the closing department they received the loan in mid-XXXX. 6. At what moment Banco Popular, explain to the seller and the buyer, that due to the payment arrears the loan will continue accumulating debt? Because of this last surprise the loan is in 'hold ' because the seller was never notified and I have to contact him to tell him this information. He told me that he could not make that payments contribution because he is under bankruptcy law and does not have the money to pay it. The situation is that from XX/XX/XXXX Banco Popular was aware that the seller could no longer pay the house mortgage, as I explained to the employee who originates the loan application. If they knew this, why we were not told, to the seller or me that the debt of the property was increasing. We are not the experts in mortgages and we do not know their processes ( we understand the responsibility and the contract that the seller has with his debt. I was focused on the purchase of that property as soon as possible. Because during all these delays there was no contact with the seller?, why they did not gave me instructions indicated something as simple as " the property is increasing in arrears by the seller, we recommend changing the mortgage product or advise or recommended to assume the current loan of the seller " before letting spending so much time in the this process. In addition they made me spend time and money making improvements in a property that belongs to Banco Popular. How it is possible that the Popular Bank ordered me ( the buyer ) to make repairs without owning the property and without consulting the seller? How as it is possible that we were not been oriented to the seller and / or to me about the debt increases. The bank have the ability and the systems, to guide and oriented the clients, they supposed to be the " experts '' in mortgages. If the seller or me had been good oriented from the beginning, I would not have made the improvements, if the bank explained that this process would take 5 months or 125 days I would have chosen to be responsible for the loan that the seller has with the bank, but No one informed us and / or advised that this would be a headache. We were not offered options, when you have the knowledge and the necessary tools to guide, explain, provide a good service, take the customer by the hand but unfortunately this was not the case. By this means I demand that the problem caused by the Banco Popular be solved, I am willing to negotiate with the bank because I am interested in the property and I need where to live. If the bank does not want to negotiate a better terms for this mortgage loans, I demand that the money invested in the property improvements be refunding to me 100 %, since the property does not belong to me. Honestly this is already causing personal problems, it is consuming me a lot of time and so I noticed the employees and the Bank are not looking for satisfactory solutions for me that I am the client. Note : I already filed two claims in the bank : First claim was on XX/XX/XXXX the bank contacted me on XX/XX/XXXX indicating that it was a courtesy call to give me an answer to my claim. Mostly, the call was focused to indicate that during the processes of this mortgage loan application, the Banco Popular was always in contact with the seller and that the Banco Popular owns the evidences of the communications with the seller. In addition they told me, they were waiting for a decision from me to know if I wanted the mortgage loan or not. On XX/XX/XXXX The seller and I send another claim to the bank in which the seller makes clear that he was never contacted by the bank during this process. And another claim filed by me requesting satisfactory negotiations or my money back.
02/26/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00692	Web
On XX/XX/XXXX I bought a house and it was then financed with Banco Popular de Puerto Rico. On XX/XX/XXXX I completed a Loss Mitigation application thru the Banco Popular loss mitigation division, due to economic hardship. I have never had a late payment. On XX/XX/XXXX my loss mitigation application was approved by Banco Popular and they offer me a mortgage modification so I can get a lower monthly payment ( approval letter is attached ). Immediately after that, on XX/XX/XXXX, I received from Banco Popular a preliminary disclosure and breakdown of every detail about the modification terms, required contribution and fees/charges related to the transaction. When I reviewed the aforementioned document, I noticed an Escrow Balance Due of {$18000.00} ; Banco Popular was adding that whole amount to my principal, so I was going to pay that with my modified mortgage. I was very shocked about that number, because I didnt had an idea of what it was. Then, that very same day, I received a call from XXXX XXXX, the Banco Popular Loss Mitigation Loan Processor in charge of my case, after I sent her an email questioning this. She told me that the {$18000.00} escrow balance was for a property tax debt that I owed. Instantly, I told her that it was not right, that my property taxes debt was {$4500.00} ( and that I was on a payment plan ) and not {$18000.00}. On XX/XX/XXXX I sent Mrs. XXXX a property tax account statement and a payment plan certification from the Center for Municipal Revenue Collection ( CRIM ) stating very clearly that I was on time with my payments and that, to that date, my debt was {$4500.00}. I also sent her a debt certification from the Puerto Rico Treasury Department for the amount of {$690.00}, demonstrating her that those were the actual taxes owed by me at that moment. After I sent her those documents, she referred the matter to another Banco Popular division ; Taxes Department. It is not until XX/XX/XXXX that Mrs. XXXX disclosed a limited breakdown of what the {$18000.00} debt was ; it happened that they included in it, in addition to my debt ( {$4500.00} + {$690.00} ), a debt of {$13000.00} owed, incredibly, by Banco Popular to the Puerto Rico Treasury Department from the years XXXX, XXXX and XXXX WHEN I WAS NOT THE OWNER OF THE HOUSE ( evidence of that debt on Banco Popular is attached ). Without any delay, I claim them to correct that immediately. On XX/XX/XXXX I sent Mrs. XXXX an email ( a copy is attached ) explaining her multiple things regarding my mortgage that Banco Popular seemed not to know. First, I clearly stated that the amount was wrong and that I was not the owner of the house on exact dates of XXXX, XXXX and XXXX that the Puerto Rico Treasury Department charged those taxes. Second, I told her that I bought the house under the provisions of the Act 132-2010, which made it totally exempt from property taxes for 5 years ( I sent them copy of the law ). Third, I pointed to her that it was clear in the certification she sent me before that the debt was under their name, not mine. Finally, I required them, again, to clear that up so that I could complete the mortgage modification closing previously approved on XX/XX/XXXX. They did not. Instead, they asked me for more evidence to prove that the debt was not mine. So, I requested from the Puerto Rico Treasury Department a new property taxes debt certification and also requested the same from the Center for Municipal Revenue Collection ( CRIM ). The result from the two documents was the same : Banco Popular is the responsible of this property tax debt ( both certifications are attached ). After I proved them, for the second time, that they were wrong, they began to delay the process. Mrs. XXXX XXXX NEVER answered my calls again, nor the others customers service officers would help me by phone. So, I went personally to their offices located in the XXXX XXXX XXXX XXXX, in XXXX XXXX Puerto Rico. There, I requested to speak with the supervisor or manager. After a long waiting period, Mr. XXXX XXXX, Supervisor to the Loss Mitigation Mortgage Servicing Division had me in his office and I was able to explain him everything. He told me that he was going to work on my case by himself and that he was going to contact the Banco Popular Taxes Department to see what was going on. After a couple of calls and days, he referred the matter to another Banco Popular Division ; Mortgage Servicing Division. After that, and several days later, Mr. XXXX called me and told me that Mr. XXXX, a supervisor on that division, would attend me personally in his office in XXXX, Puerto Rico. So, on XX/XX/XXXX I had a very brief meeting ( 5-10 minutes ) with Mr. XXXX who then referred the matter to Mr. XXXX XXXX. Both, Mr. XXXX and Mr. XXXX agreed that the documents were very clear and that the debt was not mine. I was told by them that there were two ways of solving this : claiming the amount to the banks errors and omissions insurance or claiming it to the title insurance. After I emailed Mr. XXXX a couple of documents he requested from me, I left their office with their promise that Mr. XXXX was going to call me in one or two weeks. It just did not happened. On XX/XX/XXXX I called to their office following up the matter. The called was taken by Mrs. XXXX XXXX who told me that Mr. XXXX could not take my call because he doesnt speak by phone with clients. She then told me that there were no notes in the case that Mr. XXXX and Mr. XXXX opened and that they have until XX/XX/XXXX to complete it. I asked her to told Mr. XXXX to call me, so she wrote him an email ( that was what she told me ). I did not received any calls and on XX/XX/XXXX I called again and asked for Mr. XXXX. The call was answered by Mrs. XXXX XXXX. Mrs. XXXX informed me that Mr. XXXX could not take my call because he doesnt speak by phone with clients and that my case was sent by Banco Popular to the Puerto Rico Treasury Department to see if they would do something about the debt ; she ad ded that it could take up to 90 days. Since I have been waiting for four months now, and with her estimate may need to wait three m ore, obviously I was raged. I had my loss mitigation application approved on XX/XX/XXXX and Banco Popular has been trying to make me pay their property taxes debt for three months now. On that same day, XX/XX/XXXX, I went personally to their offices and asked to speak with Mr. XXXX. Then, he notified me what Mrs. XXXX XXXX told me before : the case was sent by Banco Popular to the Puerto Rico Treasury Department. Then, he handed me a copy of a letter ( a copy is attached ) dated XX/XX/XXXX ( the very same date when I called and Mrs. XXXX XXXX told me there were no notes in my case ) and addressed to me explaining that the Banco Popular Taxes Department asked the Puerto Rico Treasury Department a special petition to see if they would ERASE the property taxes debt and that, if they not, IT WOULD BE MY RESPONSIBILITY TO PAY IT. Believe it or not, they insisted AGAIN to try to make me pay their debts. I told Mr. XXXX that this was a disrespect for me and that they were trying fraudulently to get money from me and that I was going to file whatever complaints I had to, so regulators would be aware of this kind of scam. With this kind of scam, they are not just trying to make pay their property tax debt, they also deprived me my right to close my loss mitigation loan modification which, as today, was approved 93 days ago. I respectfully ask from this Bureau to take any actions necessary not only to stop Banco Popular from this fraudulent scam against me, but to refer this incident to any federal office or department with jurisdiction to prosecute this kind of actions and practices. I am pretty sure that this is not legal. I am available to be interviewed or deposed under oath if necessary. I may take additional legal action against Banco Popular as they are causing me and my wife economical, mental anguish and serious anxiety damages.
01/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00949	Web
To summarize, with more details below for Banco Popular Puerto Rico, XXXX XXXX, ( main office in XXXX, and or United States, after XXXX XXXX XXXX Puerto Rico Division was sold to XXXX XXXX, but XXXX XXXX still exists ) - XXXX is not a collection agency : is the financial institution where the credit was originally granted in the case of this 2 accounts, and where this same 2 accounts were paid as agreed, until the payments for the loan, were prohibited? See evidence : Document XXXX XXXX XXXX XXXX HOW IS THAT NOBODY FOUND THAT STRANGE OR IS THAT THIS WAS CLEARLY SEEN BUT NOBODY CARES, AS THE EVIDENCE INDICATE - The Certified Payment Agreement for a Jet Blue Master Card with XXXX XXXX was made to be paid directly and only to the same XXXX XXXX, faster, it was optional, and never included verbally, or in writing, the option for the Bank to sell this credit card to a collection agency, after the agreement started and was certified in writing? See evidence : XXXX XXXX XXXX and Merge Result Document - Is not correctly reported, not even after it ended with all payments on time!!! See evidence : Document Merge Result ( 16 pages from Federal Court Document ) and Documents called XXXX XXXX XXXX XXXX de XXXX MasterCard XXXX XXXX XXXX XXXX called 2nd Brief XXXX XXXX XXXX not included, in case someone decides is worth a look, too large exceeds file limit here. evidence shows Judges do not care, much less others. Supreme Court Document from XXXX XXXX XXXX included : XXXX See also Document Rehearing Denied Details below : Today, Saturday, XX/XX/XXXX, I received by regular mail 2 letters from Banco Popular XXXX XXXX related my complaint number XXXX - XXXX filed through the C.F.P.B. about the incorrect credit reports made by XXXX XXXX XXXX XXXX over the past years regarding my 2 accounts I paid to them as agreed, no matter, XXXX XXXX never wanted to recognize the facts at the 3 main credit bureaus unfairly affecting my credit report scores at the 3 main credit bureaus, and earning the unfair denial of the first option for a simple consolidation loan at Banco Popular XXXX XXXX, to which I applied last XX/XX/XXXX, and the application number ends in number XXXX as shown within one of the 2 letters from Banco Popular de Puerto Rico. This 2 letters from Banco Popular arrive nearly 5 months after their response to my C.F.P.B. complaint of XX/XX/XXXX, but the main reasons for this new complaint are not only to request that XXXX XXXX updates my credit report regarding my Certified Payment Agreement for the XXXX MasterCard Credit Card I paid directly only to XXXX Bank of Puerto Rico ; Is to emphasize the following facts, disregarded by Judge XXXX XXXX at the local U.S. District Court for the XXXX XXXX Puerto Rico, then by the U.S. Court of Appeals for the XXXX XXXX in XXXX, MA, and then by the Supreme Court of the United States, under my Petition number XXXX last XX/XX/XXXX and on XX/XX/XXXX : This facts are the following : 1. XXXX XXXX decision prevailed through the 3 federal courts system no matter he clearly wrote and quote : The Court does not weigh the facts Please refer included Document number XXXX Filed XX/XX/XXXX Page 2 of 10 Judge XXXX final opinion and judgment HAS NOTHING TO DO WITH THE VERIFIABLE EVIDENCE I SUBMITTED : FIRST, TO THE SAME XXXX XXXX, THEN TO THE 3 MAIN CREDIT BUREAUS, THEN THROUGH THE C.F.P.B.TO THE 3 CREDIT BUREAUS, AND XXXX XXXX AT THE SAME TIME, THEN TO 3 FEDERAL COURTS, HAVING THE SUPREME COURT AS ONE OF THE LAST RESOURCES, BUT THEY SEE CASES BY PETITION, AND RECEIVE BETWEEN 7,000 TO 8,000 PETITIONS EACH YEAR AND DECIDE TO HEAR ONLY A FEW. 2. There is another federal agency that investigates frauds committed by business and government professionals, and this includes the federal judges, no matter how complex, please see https : //www.fbi.gov/investigate/white-collar-crime 3. I really do not see what the complexity is in this specific case, because : - XXXX XXXX is not a collection agency, but the original financial institution where my credit for the XXXX Personal Loan and XXXX XXXX XXXX Master Card were originally granted. All my constant communication, since XX/XX/XXXX before a problem started affecting my payments with XXXX XXXX was maintained since a discrimination problem at work affected my regular monthly payments to this 2 referenced accounts, through the granted payments extensions for the loan, which require a payment, and for the credit card also through their XXXX Office Bank Officer named Mrs. XXXX XXXX back then, and this evidence was presented to XXXX, the credit bureaus, the C.F.P.B., and to the 3 federal courts ; See evidence included, original communication sent from XXXX XXXX Branch as XXXX XXXX, and Scan 3 hand writing shown by female Santander Officer, and one of the many faxes sent from XXXX XXXX XXXX XXXX Branch not all communication with XXXX included. - In the case of this 2 accounts with XXXX XXXX, I never decided to pay no attentionto the Bank and this problem, like other people that pay no attention and banks had no other choice than to sell the accounts to a collection agency : - that was not the specific case here at all : XXXX XXXX received constant evidence on my part of the status of my situation with my employer, which ended in a discrimination complaint I filed, and also ended at the 3 federal courts, but also all the payments extension and agreements were made and paid directly to the same Bank where the credit was originally granted, XXXX XXXX : 4. I was able to re-start the regular monthly payments back in XX/XX/XXXX, more than 4 years 4 months ago, but, XXXX XXXX decided not to specifically report all this to the 3 main credit bureaus. 5. Instead, XXXX XXXX decided to report this 2 accounts as under collection, charge off, paid after loss, but all that is false : the accounts remained at XXXX XXXX, the original institution, after all this and by the time my regular monthly payments re-started : none of this 2 accounts had to go to a collection agency, because both were fully updated and paid as agreed at the same XXXX XXXX : XXXX XXXX NEVER HAD TO CALL A COLLECTION AGENCY FOR THIS 2 ACCOUNTS : THEY DID IT BECAUSE THEY TRIED TO JUSTIFY SELLING MY CREDIT CARD TO A COLLECTION AGENCY IN SPITE OF MY CONSTANT COMMUNICATION WITH THEIR OFFICER XXXX XXXX, TO TRY TO RECUPERATE MOST OF THEIR MONEY FASTER ; - NO MATTER THEY HAD TO IGNORE ALL MY PAYMENTS EXTENSIONS, GRANTED BY THEM!! MY CERTIFIED PAYMENT AGRREEMENT, AND THAT I FULLY UPDATED WITH THEM THE LOAN BACK IN XX/XX/XXXX UNTIL THEY, XXXX XXXX, DECIDED TO PROHIBIT MY REGULAR MONTHLY PAYMENT TO THIS SAME LOAN BACK IN XX/XX/XXXX, TO MAKE THIS SAME LOAN ACCOUNT UNFAIRLY APPEAR AS FAILED TO PAY, WHEN THAT WAS NOT TRUE!!! - BY THIS TIME, THIS SAME LOAN WOULD BE 8 MONTHS TO BE FULLY PAID WITH A FINAL ADDITIONAL PAYMENT NOT SHOWN ON THE SAME LOAN NOTEBOOK WHICH IS USUALLY MUCH LOWER THAN THE REGULAR MONTHLY PAYMENT 6. NOW, XXXX XXXX IS ALSO FAILING TO REPORT ON TIME THAT THE CERTIFIED PAYMENT AGREEMENT FOR MY CREDIT CARD ENDED EARLIER, WITH THE LAST 2 REQUIRED PAYMENTS MADE IN JUST ONE LAST XX/XX/XXXX. As I type this, XXXX XXXX, Saturday, XX/XX/XXXX XXXX XXXX has not reported this to the 3 main credit bureaus. This same XXXX Jet Blue Master Card Credit Card is paid in full since XXXX XXXX, XXXX, but they do not care to report that on a timely manner after all this, presented once again here. See evidence included.
07/08/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 009XX	Web
I was behind two payments of my conventional loan since XX/XX/XXXX and my financial situation got harder after Hurricane Maria hit XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I called Banco Popular of Puerto Rico and asked a bank representative what alternatives they could give me for the due payments I couldnt make to my loan. In that occasion the bank representative offered me two alternatives : to make a payment plan for the payments due or to pay the amount due at the end of the loan. I requested the bank to apply the second alternative and the bank representative told me I had to wait to sign an agreement. After two months I called the bank to know the status of my request and they informed I didnt qualified to the alternative they offered because I had previous due payments before XX/XX/XXXX. I requested to Banco Popular de Puerto Rico a Loss Mitigation Form. The Loss Mitigation Form was sent to me by XXXX XXXX XXXX through email on XX/XX/XXXX. XXXXee Attachment 1. I submitted the loss mitigation application and in XX/XX/XXXX the bank required me to sign a document authorizing to change the property insurance with XXXX XXXX without knowing the costs and the information regarding the insurance policy in order for the bank to consider the loss mitigation application. The document is titled Authorization for the Referral of Insurance to XXXX XXXX ( Attachment 2 and 2a ) and I informed the bank representative, XXXX XXXX XXXX in an email dated XX/XX/XXXX I refused to sign the authorization with out the insurance policy information ( Attachment 3 ). On XXXX XXXX I emailed XXXX XXXX XXXX to know if they needed any other documents or if they considered the application was complete without the authorization for the referral of the property insurance to XXXX XXXX ( Attachment 4 ). I never received an answer from the bank regarding this matter. I personally submitted the Loss Mitigation Application at XXXX XXXX Branch of Banco Popular de Puerto Rico on XX/XX/XXXX as requested by XXXX XXXX XXXX through a phone call. I received a email from XXXX XXXX XXXX of the Loss Mitigation Department on XX/XX/XXXX asking for three consecutive bank statements because the ones I provided werent consecutive, and I emailed three consecutives bank statements on XX/XX/XXXX ( See Attachment 5 ). As informed by the bank verbally, they submitted for evaluation the complete loss mitigation application on XX/XX/XXXX. On XX/XX/XXXX I called the loss mitigation department and I was told the property had a IRS levy and they needed the property without those liens in order to get the loan modification approved. I have never received a letter or written notification from the Loss Mitigation Department of Banco Popular de Puerto Rico regarding this matter. All the communications about the IRS levy were made verbally and the bank refused to sent a email or a letter although it was requested by me several times. In XX/XX/XXXX I started the process with the IRS to make a payment plan. On XX/XX/XXXX, seven months after I submitted the loss mitigation application, I received a letter from Banco Popular de Puerto Rico stating that they evaluated the information provided by me and that I got approved a three months trial period starting on XX/XX/XXXX. ( See Attachment 6 ) The letter explained the trial period was the first step to qualify for a loan modification and that I had until XX/XX/XXXX to accept the offer. That letter didnt notify the property had several liens due to the IRS levy nor stated I had to make a payment plan with the IRS in order to get the approval for the loan modification. In XX/XX/XXXX I signed the trial period agreement with the bank. ( See Attachment 7 ) I was verbally informed by a bank representative that the preapproved amount to be modified was {$100000.00}. That I would have 480 monthly payments of {$610.00} with a 5.950 % interest. I complied with the trial period plan and made the payments for XXXX, XXXX and XX/XX/XXXX in a timely manner. After I completed successfully the trial period plan I called the bank to know what was the next step to complete the loan modification process and I was told I had to wait to be called by a bank representative to be informed of the next step. Meanwhile I completed the process with the IRS and got a payment plan. I went personally to the Loss Mitigation Department on XX/XX/XXXX and informed the bank I had completed the payment plan with the IRS and demanded to know why the process had took so long. In that occasion I was told that I had to submit to the loss mitigation department a letter from the IRS stating I had made a payment plan with them and that nothing else was required for the legal approval. This requirement wasnt notified by certified mail, email or any other written notification. I requested to see my case file and I was told by the bank representative that I couldnt have access to the my case file. The only document provided was the title study ( See Attachment 8 ) and she provided verbally the amounts pre approved in the modification recast because she told that she wasnt allowed to provide a copy of the recast. I also asked to talked personally to the person in charge of my case but my petition was denied. In XX/XX/XXXX I received a call from XXXX XXXX, the bank representative in charge of my case at the Loss Mitigation Department, and she notified me verbally that the bank was going to close my case because it had taken more time that the period allowed by the investor to approve the loan modification. ( See Attachment 9 ) That same date I received the letter from the IRS regarding the payment plan required by the bank and emailed it to XXXX XXXX in XX/XX/XXXX. ( See Attachment 10, 11 and 11 a ) Banco Popular de Puerto Rico failed to process the loss mitigation application in a timely way in violation of Regulation X and due to it own excessive delay they notify me verbally they are going to close my application. It took seven months for Banco Popular de Puerto Rico to mail a written notification of the trial period plan approved. The bank also failed to notify me ( the borrower ) through certified mail at the property address about the liens found and what the loss mitigation department required to get the legal approval in order to get the loan modification considering the IRS levy my property has, in violation of the 4.14 clause of the Mortage Deed Number XXXX signed in XXXX XXXX, which states that, Except for any notice required under applicable law to be given in another manner, ( a ) any notice to Borrower provided for in this Mortgage shall be given by mailing such notice by certified mail addressed to Borrower at the Property Address or at such other address as Borrower may designate by notice to Lender as provided herein, and ( b ) any notice to Lender shall be given by certified mail, return receipt requested, to Lenders address stated herein or to such other address as Lender may designate by notice to Borrower as provided herein. Any notice provided for in this Mortgage shall be deemed to have been given to Borrower or Lender when given in the manner designated herein. I was told by XXXX XXXX, the bank representative, I had to submit a new loss mitigation application because they were going to close the application submitted due to their own excessive delay in spite of the legal costs and the appraisal costs the loss mitigation process requires.
07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00949	Web
This is to inform Banco XXXX Puerto Rico, not to file a complaint against them, as well as to have it on record for the C.F.P.B, of what I am trying to do in order to force XXXX XXXX and Banco Santander to correct their fraudulent credit reports about my accounts with them, which were not only paid in full, but were paid only directly to them. To Banco Santander through approved Banco Santander payment extensions, until my Santander Personal Loan was fully updated last XX/XX/2017, and since then just the regular monthly payment was enough to keep it updated, until the same Banco Santander decided to forbid me to continue paying the regular {$260.00} regular monthly payment of this same loan, no matter there were several additional monthly payments required in order for me to pay this loan in full, and at the same time they decided to report it to the credit bureaus as with a XXXX balance but kept reporting it as profit loss, charge off, paid after collection, no matter all that is not true : they never recognized or reported to the 3 credit bureaus this loan was fully updated as required by the law on XX/XX/2017, and to make things worse they decided not to report my regular monthly payments after XX/XX/2017 either, so at the 3 credit bureaus it looks as if this loan was never fully updated, which is false, and with a XXXX balance, which is false too. THEY PROHIBITED ME TO KEEP PAYING IT NO MATTER HOW UNBELIEVABLE IT SOUNDS AS EVIDENCED HERE. I STILL HAVE SEVERAL ACTIVE COMPLAINTS HERE AT THE CFPB AGAINST THEM, BUT YOU CAN SEE IN THE IMAGES INCLUDED THEY DO NOT WANT TO RESPOND. SANTANDER ALSO NEVER RECOGNIZED THE CERTIFIED PAYMENT AGREEMENT I MADE DIRECTLY WITH THEM FOR THE CREDIT CARD AT THE CREDIT BUREAUS, AND KEPT REPORTING ALL OF MY ON TIME 48 PAYMENTS PAID ONLY TO SANTANDER OF THIS AGREEMENT FAILED TO PAY DURING THE SAME 4 YEARS THIS CERTIFIED AGREEMENT WAS ACTIVE AND EVEN WHEN IT WAS FULLY PAID 1 MONTH IN ADVANCE THEY KEPT REPORTING IT AS FAILED TO PAY FOR THE SAME DURATION OF THE AGREEMENT SOMETHING THAT IS NOT PRECISE AT ALL. ALSO IN VIOLATION TO THIS SAME AGREEMENT BECAUSE IT WAS NEVER INFORMED TO ME BY ANY MEANS BEFORE I ACCEPTED IT, SANTANDER TRIED TO SELL THIS OTHER ACCOUNT WHICH WAS A JET BLUE MASTERCARD NOW OWNED THROUGH PURCHASE BY BANCO XXXX, TO THE COLLECTION AGENCY CALLED XXXX XXXX, BUT THE SAME COLLECTION AGENCY RECOGNIZED I HAD A CERTIFIED PAYMENT AGREEMENT WITH BANCO SANTANDER THAT WAS ALREADY STARTED MEANING IT WAS CERTIFIED MY PAYMENTS WERE ALREADY RECEIVED AT SANTANDER AND THEY INFORMED IN WRITING THROUGH THEIR LAW FIRM REPRESENTATIVES SANTANDER WAS GOING TO RE PURCHASE THIS CREDIT CARD ACCOUNT FROM THEM TO CORRECT THE ERROR. ALSO, XXXX XXXX XXXX THIS CASE WITH THEM WAS CLOSED. AS FOR XXXX XXXX, MY OLDEST CREDIT REFERENCE, I HAD TO FILE THE COMPLAINTS BECAUSE THEY DID AS SANTANDER, PRETENDING TO BE WHAT THEY CAN'T : THE ORIGINAL FINANCIAL INSTITUTION, BANK OR NOT, IS NOT A REAL COLLECTION AGENCY. BUT XXXX XXXX DECIDED NOT TO OFFER OR XXXX ANY KIND OF PAYMENT AGREEMENT TO ME, FORCING ME TO PAY THEM FASTER, AND TO ADD INSULT TO INJURY, THEY ALSO DECIDED TO DENY THEY RECEIVED MY FAXES WITH EVIDENCE INCLUDING HOW I WAS GOING TO PAY TO THEM NO MATTER THE MANY PHONE CALLS AND LIVE CHAT SESSIONS WITH THEIR BAD CUSTOMER SERVICE BECAUSE THERE IS NO OTHER WAY TO DESCRIBE IT, IN ORDER TO TRY TO PRETEND I AS CUSTOMER HAD NO CONTACT WITH THEM SO THEY CAN FALSELY REPORT MY ACCOUNTS WITH THEM AS UNDER THEIR FALSE COLLECTION AGENCY. ANYONE CAN VERIFY THE NAME ABOVE THEIR COLLECTION REPORTS ABOUT MY ACCOUNTS ARE THEIR BANK NAMES, SANTANDER AND XXXX XXXX, PLUS XXXX XXXX COULD VERIFY NO MATTER AS OF TODAY OR AS FAR BACK AS THEY WANT, I NEVER PAID NOT EVEN A SINGLE PAYMENT TO A REAL COLLECTION AGENCY AT ALL, THE 3 CREDIT BUREAUS KEEP REPORTING THE CONTRADICTORY INFO. THAT I STILL HAVE NO COLLECTIONS ON MY CREDIT REPORT TO THIS POINT OR NO MATTER HOW FAR BACK IN DATES YOU WANT TO LOOK AT MY CREDIT REPORTS. BUT, THIS BAD REPORTS SIMPLY CREATE AT ANY MAIN BANK LIKE XXXX WHAT A FORMER SENIOR CREDIT RISK MANAGER CALLED XXXX XXXX CALLS A FATAL DISQUALIFICATION CONDITION NO MATTER HOW HIGH MY CREDIT SCORE LOOKS AT SEVERAL CREDIT SCORE FORMULA VERSIONS. MAIN BANKS WILL USE SCORE MODELS LIKE FICO SCORE XXXX WHICH PENALIZE MORE IN THIS CASES NO MATTER INCORRECT INFO IS SHOWN AT THE CREDIT REPORT SO I CAN'T APPLY FOR THE PERSONAL LOAN OFFER BANCO XXXX SENT ME TWICE RECENTLY NO MATTER NEEDED FOR CAR REPAIRS AND TO KEEP MY DEBT CONSOLIDATION ACTIVE WITHOUT HAVING TO BUY ANOTHER CAR. I DO NOT HAVE THE RESOURCES TO FACE 3 MAIN BANKS AT THE COURT SYSTEM, AND NOW THE 3RD BANK IS XXXX XXXX, WHICH BOUGHT SANTANDER PUERTO RICO DIVISION, AND WAS TRYING TO REPRESENT SANTANDER BY SAYING THE SAME BARBARITIES SANTANDER SAID UNTIL A SANTANDER BANK OFFICIAL SENT AN OFFICIAL LETTER CONTRADICTING A FIRST BANK ATTORNEY : BOTH LETTERS CAN'T BE TRUE, BUT NONE OF THE 3 BANKS WANT TO RESPOND AS YOU CAN SEE IN THE IMAGES HERE. THIS REQUIRES THE HELP OF THE CFPB AS I ASKED THEM TO DO OR MY CREDIT REPORT WILL KEEP APPEARING AS BAD BANKS WANT : NO MATTER INCORRECT, THE ONLY PRE APPROVED OFFERS I AM RECEIVING FOR NEW CREDIT ARE ALL WITH TOO HIGH INTEREST RATES, MEANING BAD BANKS PREFER THIS OFFERS TO BE ACCEPTED UNFAIRLY BY US TO SIMPLY EARN MORE MONEY, AND THEY DO NOT CARE ABOUT THE FCRA OR FAIR DEBT COLLECTION PRACTICES ACT AT ALL. BASICALLY THE BAD BANKS HAVE A FALSE MOTIVE TO SEND PRE APPROVED OFFERS THAT ARE NOT FAIR, BUT THAT IS CAPITALISM : IS ABOUT MAKING MONEY NOT ABOUT JUSTICE AT ALL, AND THE SAD TRUE IS FIRST BANK IS THE THE UNBELIEVABLE PROOF OF THIS : THE SAME BANK WHICH GRANTED ME THE LOAN TO FULLY UPDATE SANTANDER LOAN, WITH THE REMAINING PART OF THAT LOAN USED TO PAID IN FULL IN ADVANCE! XXXX XXXX ACCOUNT, ALL EVIDENCED HERE TO THEM EVEN BACK THEN WHEN THE LOAN WAS APPROVED AND HERE TO THE CFPB, DECIDED TO SPONSOR SANTANDER BAD BANK PRACTICES AGAINT ALL THE EVIDENCE JUST TO FAVOR HER BAD BANK FRIEND AFTER PURCHASE, SANTANDER : NOW THEY ENDED BOTH WHERE THEY NEVER THOUGHT, AND IS IMPOSSIBL TO ADD FIRST BANK THERE, BUT THEY DECIDED TO BE ADDED? BECAUSE TO PAY MORE THAN! XXXX TO SANTANDER AND BE IN A BETTER POSITION HERE IN PUERTO RICO IS PURE BAD CAPITALISM : IT HAS NOTHING TO DO WITH SERVING THEIR CUSTOMERS BETTER AS THEIR PROMOTION SAYS EVEN ONLINE, EMAILS OR AT THE BRANCHES AT ALL. IT AS ALL ABOUT THEM AND THEIR DESIRE TO BEAT THE OTHERS, NO MATTER VIOLATING THE LAWS AND DAMAGING ANYONE ALONG THE WAY NO MATTER THEY APPROVED MY LOAN BEFORE ALL THIS. YOU CAN SEE HOW THEY CHANGED THEIR RESPONSE HERE IN MY COMPLAINTS STILL AWAITING FOR THEM.
05/26/2020	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	PR XXXXX	Web
In XX/XX/XXXX I applied for a loan to 80 % finance a debt of boat purchase amount of {$200000.00} I made a 20 % down payment of {$40000.00} and finance with Banco Popular of Puerto Rico {$160000.00} in XXXX XXXX a division of Popular Auto a Division of Banco Popular, I tried to applied without pignorated any money certificate ut they required me in order to approved my loan, and required me the down payment of {$40000.00}, I went to XXXX Location and thereput {$160000.00} in a money certificate one of their associate change without my authorization and without my annuence the money certificate for {$160000.00} and someone enter to my house and took my loan documentations, where include a very important original documentation and change the paper of the certificate of deposit. after that I continued to make the payments of $ XXXX monthly until Ilost my divorced and properties division case on XXXX and lost over {>= $1,000,000}. Inmediately after I went Banco Popular ofPuerto Rico talked to XXXX XXXX and XXXX XXXX and explained the situation and they denied to accept the return of the boat, and obligated me to refinance the loan amount and pretend to take my certificate of deposit in hold forever, I insiisted to their lawyer that it is not legal, and they put the hold on my certificate for 10 years, I told them that I can't continue with forever perpetual debt for a boat, they look on all my accounts inside the bank without my annuence without my authorization and without my knowledge and said that I have money I replied to them that money is my savings for my hard work for over 12 years and i have it just in case of emergency because I have damages due to the divorce and clients refused to contract me and contract my exhusband, they didnot care nothing about what I said, I told them Icant continue but they refused to heard me. And I have to accept the refinance withou payment of interest in one year and make payments of {$1300.00}. Then after Hurricane Maria hitted Puerto Rico they devaulated the vessel by {$66000.00} of the value that areinsured by {$200000.00}, they undervalue the XXXX {$140000.00} without any appraisal or estimate and said took or leave it, I have to accepted that all in coordination with XXXX XXXX XXXX XXXX and XXXX XXXX the insurance associate of Banco Popular. Then I suffered a economica injury due to business discontinuity due to Maria 's Hurricane Declared disaster by FEMA and other consecutive effects events and can't continued make the payments but the loan was uptodate never been back of payments, and Itried tohave a new settle because they denied me a moratorium in first with his associate XXXX XXXX and I replied to him That I received a letter for 3 months moratorium, but they wants the boat and the money that backup the debt with a certificate of deposit of {$140000.00}. I bring my keys my boat backpack and let them took the vessel from my vesseldeposit just to receive part of my money because they did not return my money of the certificate in totalamount, they ony return {$85000.00} in XX/XX/XXXX and freeze and took the rest amount of {$63000.00} for them and the boat that have a market value oof {$170000.00} minimal and saithat the boat have lower value liket just {$70000.00} to {$100000.00} just lying to me because they have customers to sell the boat and said that I have to pay for charges that do not belongs to me like XXXX, maintenance, repairs, debts and other that they never bring me a receipt. Then I fought and return part of the amount equal to {$38000.00} my money of my certificate of deposit but not complete, they sold the vessel in less than 3 months, and told me that the person that make the settlement left the Bank and was a lied and they did not want to return me the {$25000.00} and sent me a letter told mewith charges and that they did not return me the {$25000.00} neither the deposit neither any money left from the sold difference, they received money from the insurance agency that cover the loan and the vessel in case of I returned it, and they sold the boat privately without any public announcement without let me know about the auction that I have priority because I paid over {$180000.00} in all payments monthly, isurances, maintenance, upgrades, repairs, storage, etc and they sold it they received like thre times the original price of he vessel {$200000.00}, because I make payments from XXXX XXXX, down payments of {$40000.00} in cash, and allother previous mention payments and I was a disaster survivor, they put late charges, interest, and denied me the opportunity to stay with my paid property and took the property and my money too. I have other friends XXXX XXXX XXXX and XXXX XXXX XXXX that are in the same conditions as me and they treated them differently I was treated different in a bias way or discrimination for my gender, my age, and my, economic sitution since the loan application. They did not showed respect to me at all, and his lawyer that attend the meeting in the debt settlement knew that the bank are discrminated me and some occassions during the meeting left the room, my accountant XXXX XXXX was very upset with the sitution and told me by phone to make the transaction because the bank was illegaly actions on the loan and did not care nothing at all. They are committed fraud between their divisions XXXX XXXX and XXXX XXXX and took clients 's money and put very higher interest without valid reason, they have a business taking clients properties and their money, they have a monopoly in Puerto Rico, and when the client return to recover their properties they already sold their properties and didnot returned any money and win over property times de value. And then they reported to my credit report the total debt after the disaster, andwas anction took to recover from the disaster having them the property and received money from the insurance and sold the vessell and told to the credit report that I have {$140000.00} in debt for the vessel loan. They took revenge on me reporting to my credit report in order to affect me in order that I can't acquired anything killing my credit.
05/17/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	PR 00949	Web
Banco Popular sent me and I received it by regular mail, another Personal Loan Offer with an offer code number, number XXXX, included, valid until XX/XX/XXXX. Is an excellent offer, just like the one I need, in order to keep paying my previous Credit Union Consolidation Loan, which was denied precisely by Banco Popular XXXX XXXX last XX/XX/XXXX, no matter all the evidence I submitted through Bank Officer Mrs. XXXX XXXX at their XXXX XXXX, and no matter I asked for a smaller amount of just {$5000.00} in order to consolidate a high a previous high interest loan with XXXX XXXX XXXX from the year XXXX, which had a high interest of 34.95 %. The advantage it had was number one, I qualified for it at this XXXXXXXX XXXX subsidiary without any co-applicant, and number two, it allowed me to fully update a previous loan with XXXX XXXX XXXX XXXX, which was sold by XXXX XXXX precisely to XXXXXXXX XXXX. Because XXXX XXXX never updated my credit report at the 3 credit bureaus, this XXXX Loan is still reported as charged off, paid after collection, and profit loss, no matter all that is not true according to the evidence, which reached Banco Popular before XX/XX/XXXX through their Officer Mrs./Miss XXXX XXXX XXXX XXXX decided not to report my loan with them was fully updated back in XX/XX/XXXX, after I kept constant contact with the Bank, received approved payment extensions from XXXX, Paid twice the accumulated late charges directly and only to XXXX XXXX XXXX and re-started regular monthly payments back in XX/XX/XXXX, until it was fully updated in XX/XX/XXXX. This is against the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, 2 Federal Laws, and it is still under investigation, now by another Federal Agency which investigates what is called White Collar Crimes, see evidence included showing the dates. A similar story I had with my XXXX XXXX XXXXXXXX XXXX XXXX, which ended as part of Banco Popular no matter my specific JeXXXX XXXX XXXX XXXX might not be part of this Banco Popular credit card purchase which I will not include here again to focus on this issue only. As I wrote, this excellent new loan offer from Banco Popular for a new Personal Loan, could allow ne to pay for the Body and Paint required repairs, due to rust in the trunk, as well as other body repairs, 2 recent estimates included, and also to consolidate my previous loan with XXXX XXXX XXXX already 6 months paid in advance, instead of trying to force a new car loan which will negatively affect my Amount of Debt, one of the main criteria for credit approval or denial. My excellent XXXX XXXX XXXX is still offering excellent service after XXXX miles since new bought by my Father Rest In Peace through XXXX XXXX until He successfully paid his loan in full to Banco Popular many years ago. This complaint is because I will simply not be approved if I take the risk for another credit inquiry authorized by me through Banco Popular and their officer XXXX XXXX, no matter I need it, because I also have another job and source of income until an ongoing problem with my main job is solved, because I had to file another charge of discrimination, this time, Retaliation, against my main employer the local XXXX XXXX XXXXXXXX here in XXXX XXXX. See evidence of the complaint included. No matter I sill have the current Employment Certification from the XXXXXXXX XXXX XXXXXXXX, Banco Popular has my direct deposit with my main employer as well as with the second, which is XXXXXXXX XXXX, a division of XXXX, and the local XXXXXXXX XXXX XXXXXXXX is just paying me a little more than {$72.00} dollars in the 2 previous months, without re-activating me for any teacher work, not even online. See evidence included. Banco Popular could apply to me, what the evidence I have shows, and a former Senior Bank Officer who was in charge of credit approvals and denials at main banks like XXXX and XXXX, even around the world, explains in the article he wrote and I included, 6 reasons you can be rejected with an excellent credit score. Last year on XX/XX/XXXX, Banco Popular changed to a more strict in some aspects credit scoring formula model called F.I.C.O. Score XXXX based on XXXX XXXX data, and simply my credit score was just XXXX points, instead of above XXXX points just like with the credit score model used by XXXX XXXX XXXX called F.I.C.O. XXXX based on XXXX XXXX. Even with a more friendly score model, this XXXX or XXXX XXXX asked for co-debtor, who was no other than my Mother, XXXX XXXX. If my credit report was reported correctly, and the Bank officers considered the verifiable evidence included directly to them, there is no need for me to apply with my Mother as co-debtor or co-applicant. Evidence included shows, as up today, XXXX XXXX free XXXX XXXX mentioned and explained by MrXXXX XXXX XXXX, the former Senior bank Officer of the article mentioned, this XXXXXXXX XXXX shows no matter is at XXXX points in XXXX XXXX, well above XXXX points, that Banco Popular will apply what XXXX XXXX explains is a Fatal Cutoff Policy due to the negative NO MATTER INCORRECT, XXXX XXXX XXXX reports about my accounts like they did last XX/XX/XXXX, evidence included here and received through the C.F.P.B. which will make me disqualified once again. No matter this excellent offer I received which will exactly address my current need, just like also XXXXXXXX XXXX Offer received just days later with a loan offer code, the fact is I will be denied, and there is nothing I can do by visiting XXXX XXXX again and explaining this to her again. She has no power to make or change the Bank 's Fatal Cutoff Policy applied to me, no matter the evidence shows is incorrect because XXXX XXXX reports about my 2 accounts, are incorrect, as well as the XXXX XXXX reports showing the same with one of my original credit accounts :
08/13/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PA 19111	Web
Below is my previous email from my other complaint. I am requesting the funds collected to be returned to us per CFPB guidelines We were in process to close this loan for over 6 months there has to be a lending law violation. We paid close to {$1100.00} and nothing was accomplished. There was no understanding of loan structure and or government requirements for financials. Processor was incompetent. Below is the timeline of all of the events that can be accessed thru their e-consent portal of documents. I explain the loan purpose from day one to loan officer XXXX XXXX who never even bother to call after fee was paid. I will be sure to tell everyone not to use this financial company. They have been the worst. ********************* To Whom It May Concern ; REF : Popular Mortgage Inc from PR In the beginning of XXXX XXXX XX/XX/XXXX ). I started the process of requesting a refi to cash out $ XXXX on my property that I own in XXXX XXXX. The process was started with Loan Officer XXXX XXXX XXXX from Popular Mortgage. A full financial package was submitted at that time. Disclosure and estimated Fees and cost were sent to me and I agree electronically thru the Lending portal and paid the Fee of {$990.00} on XX/XX/XXXX. On XX/XX/XXXX, I was notified of additional doc needed and they were submitted no later than XX/XX/XXXX. Since this time this loan has been touch by XXXX XXXX XXXX of which he is the only XXXX speaking person I have been able to communicate with and has been very helpful and XXXX XXXX XXXX ( Processor ) whom seemed to be overwhelmed and not knowledgeable of the intricacies of the processing procedures on this loan. As of XX/XX/XXXX the file must have been assigned to XXXX XXXX and since then she's been asking for additional docs and claims every time to be some kind of docs deficiency. I have sent numerous copies of Bank Statement, Paystubs, tax returns and w2. I have followed up with her via email to find out the status with no acknowledgement of email or confirmation of receipt. Most of the time XXXX answers me as he is the one that can speak clearly in XXXX. Appraisal was completed on XX/XX/XXXX and second inspection completed on XX/XX/XXXX due to earthquake. XXXX has yet to submit file to Underwriting and half of the time she isn't aware of what is going on with the file and seems very confused from documents provided. I have given her the benefit of the doubt that that file is progressing along but we are now in the fifth month of this transaction with no approval or better yet an idea of when a decision let alone closing will happen. All doc request letter can be found on their loan doc portal with dates. I have inform them numerous time that I have been unable to upload any docs to that portal and this is the reason these are being emailed to them personally. I have yet to receive a resolution on getting this fixed. As of today XX/XX/XXXX, I have reached out to XXXX one more time to follow up and she is still telling she hasn't had the time to review file because she had other file that she ws working on. On XX/XX/XXXX, I reached out to XXXX Supervisor XXXX XXXX XXXX to whom I explained everything that was going on and she advised that she would review the file with XXXX and get back to me. I sent the Supervisor copies of the email of me trying to follow up in getting a status of the loan. I also sent her copies of docs that were requested and thru the portal you can see the timeline of all the notice and deficiencies XXXX was asking for. I tried to explain to XXXX that my payroll company change but I was still employed by the same co and its stated on the paystubs but she was unclear and didnt understand was very confused. Then she asked for additional info for XXXX XXXX and they were submitted the next day. She didnt understand what a federal Tax Return Refund was. I know as of XX/XX/XXXX the XXXX of PR issued a Stay at Home order. Not sure what process was followed for business continuity by BPPR in order to serve their customer. It wasnt until XX/XX/XXXX that another processor by then name of XXXX XXXX reached out to me to let me know that my file was reassigned to him and that he was trying to help me move this long, because the Appraisal was going to expire by XX/XX/XXXX. At that point I notified him that I had switch jobs and had started a new job as of XX/XX/XXXX with another company. A new VOE and new financials were submitted as requested but in XXXX XX/XX/XXXX was a Holiday so nothing had been done and he hadnt reviewed the docs. On XX/XX/XXXX, I sent XXXX a personal contact of an HR rep at my company to request a new verification of employment and wanted to confirm he received all of the other financials requested. On XX/XX/XXXX I was sent another notice that required additional information from the Underwriter. This was quickly responded and additional docs were submitted by end of day on XX/XX/XXXX. XXXX XX/XX/XXXX, I received a call from XXXX stating that loan is viable and the appraisal is due to expired and that he would request and extension for 15 days however it might also expire due to the current status of the COVID19 pandemic. XXXX stated that I might be required to pay another fee for a new appraisal. This is by far very unfair as for the past four month MrsXXXX XXXX XXXX in-compententcies and being overwhelmed hinder her from moving my file along in order to prevent expiration and approval.
08/16/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00976	Web
On XX/XX/XXXX I receive a fraud alert call from XXXX XXXX XXXX for a credit card I have with them, I review the transactions and I recognize that the transactions are not made by me. I immediately log into my Banco Popular account and see that I have a negative balance of {$59.00}, so I proceed to review the transactions and see that they are the same ones that the XXXX alerted me to. I proceed to call Banco Popular to notify them of the transactions and transfers to my account without my authorization. When I check my phone I see that they hacked my email and my social networks ( XXXX and XXXX ), I see that I have several messages of password changes of my accounts such as email, social networks and I see the transactions of transfers from my bank account, when I communicate this information to Banco Popular they guide me and determined to make a claim for fraud with the number XXXX. At that time the service representative informed me that they proceeded to block the account and that while the investigation was being processed. On XX/XX/XXXX I personally went to the Banco Popular branch in XXXX XXXX to find out the status of the claim where I was notified of another XXXX transaction for {$1000.00} where the same had been rejected for not having the funds. I was contacted by XXXX XXXX from the Risk Department to create a password for any call or transaction made by phone since bank transfers were made without my authorization and they were made by phone to Banco Popular. At that moment they blocked the bank account XXXX so that they could not make any more transactions to the account in complaint. The staff of Banco Popular XXXX XXXX XXXX proceeded to open a new bank account so that I could receive the payment of my children 's alimony and for the direct deposit from my employer. On XX/XX/2022, Banco Popular deposited the {$10000.00} in fraud claims to my account. So on XX/XX/XXXX, I went to Banco Popular XXXX XXXX XXXX XXXX and made a withdrawal from the account in claim and deposited it in the new account in order to be able to pay my debts. I keep an eye on the account through the mobile application, where I manage all the movements of my accounts and my personal life. On XX/XX/XXXX, I see some transactions in the account in claim and I call the bank so they can explain me about the negative charges that appear in the account, the girl who attends me tells me that an officer of the risk department must contact me, that she can not provide me with the information I am requesting. On XX/XX/XXXX, I go out for lunch to buy my groceries and I see that when I process a transfer to pay for them, they are denied. I made several transactions and nothing processed, I proceed to call the XXXX so they can explain the situation to me. They tell me that I will receive a letter in the mail about the result of the investigation, that they can not give me more details, I insist to the service representative named XXXX that I need them to explain to me why my account can not be used, I had tried to make a transfer to buy my lunch and the same had given me decline the account having the funds. He tells me that he can not give me more information, I insist again and ask him to give me the result of the investigation, he puts me on hold and when I return he tells me that my case has been consulted with a supervisor who will contact me within 24 to 48 hours. I insist again and he puts me on hold, after XXXX minutes on hold he tells me that the claim was denied and that I should go to a branch office for more information. I go to the XXXX XXXX XXXX branch, the closest one to my work, there I am attended by XXXX XXXX XXXX, bank consultant, she asks me for all my data, ID and verifies in the system what I have mentioned and tells me that she can see a letter that they had sent me with the final answer to the claim and that it had been denied. He tells me to go to the XXXX XXXX branch so that they can provide me with more information. I inform her that I do not agree with the answer to the claim that XXXX had notified me that I could request a reconsideration, she proceeds to make a new claim with number XXXX. In the claim made by XXXX XXXX of the XXXX XXXX XXXX branch I sent her evidence of the transactions that they continue to make with my social networks, entries to my email account to prove that I am not the one who has made such transactions and I include there are IP from where they have been connecting to identity theft to my person. On XX/XX/2022 I receive by mail the resolution to the claim XXXX of the {$10000.00} where they determine that two of the debits of {$500.00} were made by mistake to my bank account and the other debits for the amounts of {$4000.00}, {$1000.00}, {$1000.00} and {$3000.00} totaling {$9000.00} determine that the same as Rejected Customer had participation, indicating that customer made voluntary debit transactions that were made with the same IP Address which the customer accesses the system of Banco Popular XXXX XXXX XXXX It is very difficult to understand the mechanisms used for the investigation carried out by Banco Popular where it identifies that several transactions were made by mistake and the other transactions were made voluntarily by this servant being from the same place and on the same dates, even though I communicated and exposed evidence to Banco Popular of the identity theft against me.
12/13/2023	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	PR 006XX	Web
We are concerned about the lack of disclosure by Banco Popular, through its representatives. authorized parties, vital information about your mortgage debt. Information that as a Client and mortgage debtor, has the right to receive. This lack of disclosure occurs after procedures and requests that have been made to the Banco Popular, insistently, since approximately XX/XX/XXXX. I include below a story that my client sent me, detailing the unsuccessful efforts. carried out with Banco Popular to obtain information on the balance of your mortgage loan and evidence of the receipts, issued by the XXXX, of payments to the XXXX that Banco Popular alleges, through a certification self-issued, carried out and payments to public liability insurance. Stating that said payment institution has always carried them out and it would be considered duplicity. On XX/XX/XXXX, we contacted XXXX XXXX XXXX to request a balance of the mortgage. the same He told us that they were out of the offices at the moment and told us to call back in the month of XXXX. He On XX/XX/XXXX, we contacted XXXX XXXX again, telling us that the balance of the mortgage that could be seen in the system was {$8800.00}. He also told us that in order to break down the account, will make payments, from that date onwards. It should be noted that the payment to cover the debt was sent on XX/XX/XXXX with check XXXX. On XX/XX/XXXX, at XXXXXXXX XXXX we contacted XXXX XXXX at the offices to request balance of loan. On XX/XX/XXXX we communicated again by email to request evidence of the payments that the bank alleged had made in the XXXX. This request was responded to on XX/XX/XXXX with a certification with a breakdown of payments to XXXX by Banco Popular. We analyzed the certification provided and on XX/XX/XXXX, and We proceeded to carry out negotiations with the XXXX. After that, it did not emerge from the XXXX system that The payments that were certified to us as made by Banco Popular would have actually been made. Thus the things, an email is sent to Banco Popular indicating the need to accredit payments to XXXX because they were not reflected in the XXXX records. On XX/XX/XXXX we sent an email to follow-up on the procedures related to the account regarding the XXXX. In response to our request, It sends us again the initial certification that some payments were made that did not appear as such in the XXXX. facts. This document on this occasion was incomplete. On XX/XX/XXXX We send email email to indicate that we would send evidence of XXXX payments and compulsory insurance payments ( policy ) and it was clarified that it was duplication of services to which XXXX XXXX responded on XX/XX/XXXX, telling us that he was on vacation. He told us that as soon as he returned he would call us back. On XX/XX/XXXX, an email is sent with evidence of payments made by our institution to both the insurance public responsibility and XXXX. Since we did not receive responses, we followed up on XX/XX/XXXX. unsuccessfully and we redrafted the email on XX/XX/XXXX, also unsuccessfully. On the XXXX of XX/XX/XXXX, XXXX XXXX XXXX sends a text message to XXXX XXXX for follow-up and he was answered on XX/XX/XXXX indicating that he would communicate next week because he still did not have the information. For these reasons, our lawyer wrote directly to request it and after XXXX months We managed to contact us, they asked us for the evidence that had been previously sent and they were provided again. all the receipts of the crime certified by the agency and certified letters from the insurance agency and they indicated to us that they could not be accepted, the same as they want the checks and receipts canceled since XXXX. To It is somewhat impossible for us to deliver all the canceled cheues and payment receipts that were made in cash Because in XXXX XXXX we lost the documents from the archives due to the flood. That's why We dedicated ourselves to going to the pertinent agencies and requesting certified receipts but to date Banco Popular does not want accept them as evidence. We are greatly concerned because we have already paid and what we want is that we be awarded approximately XXXX dollars to the amount to be able to pay off our mortgage loan which we are in the best position to pay. We submitted a complaint to the XXXX XXXX XXXX XXXX of XXXX XXXX, which made a resolution indicating to the bank that it would carry out procedures and reach agreements with the clients because they did not work with commercial loans. The resolution came out on XX/XX/XXXX and to date they have not responded. We as clients have sent three letters to reach agreements and to date we have not received responses. We already feel worried and this is affecting our health.
07/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
Reference : DISPUTE FOR LATE PAYMENTS REPORTED TO CREDIT GENCIES, I AM NOT LEGALLY LIABLE FOR THE ACCOUNT. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 1. On XX/XX/XXXX, being legally married to XXXX XXXX XXXX XXXX with social security number XXXX together we made a mortgage loan in XXXX XXXX. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 2. I divorced XXXX XXXX XXXX XXXX in XX/XX/XXXX, and legally by Judgment of the court of XX/XX/XXXX, and by mutual consent in the divorce decree, was agreed that she would keep the property mortgaged and that she would be responsible for paying the mortgage loan totally. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 3. With the evidence of the court 's divorce decree, I immediately and personally notified the XXXX XXXX office so that they do the necessary arrangements and exclude me completely from this mortgage loan. Then XXXX XXXX agreed and they never reported on my behalf to the credit agencies regarding this mortgage loan. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 4. OnXX/XX/XXXX, the Office of the Commissioner of Financial Institutions ( OCIF ) closed the operations of XXXX BANK and this mortgage loan was acquired by BANCO POPULAR de Puerto Rico ( BPPR ) with mortgage account number XXXX ; this company is a banking company with headquarters in the XXXX XXXX building on XXXX XXXX XXXX XXXX in XXXX XXXX, PR XXXX, telephone XXXX. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 5. Once the BANCO POPULAR de Puerto Rico ( BPPR ) acquired this mortgage loan, carelessly and negligently, they reported to my credit history all the defaulting payments made by XXXX XXXX XXXX XXXX affecting severely my credit. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 6. On XX/XX/XXXX I contacted to BANCO POPULAR de Puerto Rico ( BPPR ) and a claim was completed and registered with the number XXXX. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 7. On XX/XX/XXXX by email they responded and sent me a resolution of my claim where they indicated that my claim was NOT PROCEDED because a change of owner was not made in the account, and the negative credit information will could not be removed from my credit profile and would remain on the credit report until 7 years after XX/XX/XXXX when this mortgage loan was cancelled per XXXX XXXX XXXX XXXX. Besides the XXXX XXXX no longer exists and the agreement and arrangement was made with them. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 8. The negligent acts and omissions of BANCO POPULAR de Puerto Rico ( BPPR ) have caused damage to my credit reputation, and emotional and moral damages suffered as a result of such negligence. I am a XXXX XXXX person and this situation has increased my XXXX and XXXX health problems. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - For the reasons stated above, I come to you for your help and understanding, because I am not legally liable for this account, and I kindly request you help me to remove all reports of late payments from my credit history reported by BANCO POPULAR de Puerto Rico ( BPPR ), I really appreciate your valuable help and understanding in this matter. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - In evidence of the above I am submitting in the attached PDF file the following documents : 1-Resolution of the bank 's claim, page 1 ( XXXX version ). 2-Divorce, pages 2, 3 and 4, ( XXXX version ). 3-Copy credit report XXXX, XXXX, XXXX, pages 5, 6 and 7.
12/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	VI XXXXX	Web	Older American
I have been a customer of this banking institution for over XXXXXXXX XXXX. I have problems before with not receiving my credit card statements and I have visited the branch in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX several times in regards to charges that were placed on my account that were not mines. I have also complaint to the representivie of not receiving my statements after several back and forth with getting to the Parent company in Puerto Rico.I was finally sent one year of credit card statements. After reviewing them, I identified the charges that were mine went back to the branch to instruct themto adjust my bill and investigate the other charges. I was told by the representive that I would have to call the Credit Card department in Puerto Rico because they too have trouble getting through to them the have long periods hold on the line for a response. I went back home and called the number, held on for more than an hour. I finally hung up because I had to go back to work I have callled several timessince that and the results was always the same long waiting periods. I resorted to writing, I sent the letter below in XXXX of XXXX. I have back to branch because several times because I have been harrassed with phone calls every month to pay a bill of over {$10.00} dollars. My name have been sent to the credit bureau for money that I don't owe. I always pay my bills and I also told them I would only pay for what I owe. The bank is not working with me to reslove the issue. I would like to have help to resolve and settle this issue once and for all. Please investigate this matter. I sent this letter twice to my banking Institution Banco Popular De Puerto Rico and I have also left a copy with the representitive who has stated to me the time past for me to get any credit and I have to pay the bill. Up to this present moment I have not received a credit card bill for XXXX but every month I received harrassing phone calls to pay bills. Banco Popular has NOT done good business practices with me in regardsto my credit card statements and following up on my complaints. As a consumer of this service my rights were violated in letting this issue continue charging late. They are also adding late charges on the balance, not informing me of any actions they are doing to resolve this matter for more than a year. XXXX is coming to an end STILL no credeit card statements for XXXX without any resolve. In addition to this someone has open an online banking on my account. I told them I have never done this don't want this service. thje representative is telling me to go and close it. I don't know what to do. I have never openend or done any online banking. I NEED HELP ASAP. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am writing this letter of request to get help in resolving the fraudulent use of my credit card. This is an ongoing issue that has not been resolved. I have visited my local XXXX XXXX in XXXX several times requesting help. I am told call Puerto Rico because only they can help me. When I call the numbers I am holding on the line for long periods. I was not receiving my statements for a period of time, so some of the fraudulent charges I was not aware of until I was finally sent statements for XXXX year. I have made it clear to the representative that any transactions with money transfers is not mines. I have NEVER used my card for any wire money transfers. Never done any cash advance. These charges are still on my card. I have not used my card XXXX for any XXXX transactions. There are several of them on my card. I need them removed. XXXX charged my account twice. Any XXXX XXXXXXXX XXXX charges not mines. I have repeatedly requested that any online banking account be closed I DONT DO ANY ONLINE BANKING. I have been a client of this bank for over XXXX XXXX These issues are plaguing and frustrating me. Why is it my account is so accessible to fraudulent use. I need to put a pin on my account. I need them resolved ASAP. Do I have to go the legal route to get this resolved? I will only pay for charges that I have made. Please remove all other fraudulent so that I can get my correct and current balance paid off. I am still back to square one not receiving credit card statements. I mailed this letter off before. I did not receive a response. I am resending it again. I need to hear from someone to discuss with me how we can resolve and prevent this occurrence. Respectfully, XXXX XXXX XXXX
08/20/2019	Yes	Mortgage Other type of mortgage	Closing on a mortgage	PR 007XX	Web	Older American
To: Consumer Financial Protection BureauSubj: Complaint on Banco Popular, of Puerto RicoTO WHOM IT MAY CONCERN: In XX/XX/XXXX, I requested from Banco Popular, a Modification loan through Lost Mitigation, at that time I began having some financial issues, due to the economy in Puerto Rico which caused a reduction in my working hours. The modification loan was approved, and in XX/XX/XXXX I began a probationary period, which would have ended in XX/XX/XXXX, paying $XXXX a month vs $XXXX that I was paying, this made a big difference for me. I paid the amount of $XXXX a month until XX/XX/XXXX, that’s about 14, months. I was suppose to make a closing for this loan after the three month probationary period, which like I said before, would have been XX/XX/XXXX, but that did not happen, because as everyone knows Puerto Rico was devastated by hurricane Maria on XX/XX/XXXX; However, I never stopped paying my loan! When I contacted Banco Popular to ask when we would be able to do the closing on the loan, they said that they were canceling my loan, and that I had to re-apply for the loan all over again. They gave me NO reason whatsoever for doing this. So I had to go through the entire process again. And to top it off THEY DENIED the New loan!!! This was a horrible experience; I almost had a XXXX XXXX because they threaten to do foreclosure on my home! I am a Senior Citizen, I live alone, and my home is all I have.I then called HUD directly, in the he US, and they stepped in and had a conference called with Banco Popular, and me, and they finally helped me get this second modification loan approved, only this time I would be paying $XXXX a month vs the $XXXX that I was paying for the first loan. So I began a new three months probationary period in XX/XX/XXXX, which was suppose to end on January 2019, and should have done a closing on the new loan shortly after, but that didn’t happen until a couple weeks ago on XX/XX/XXXX They called me only a few days before XX/XX/XXXX and told me that I had to sign right away, because if we did not close before this date, they would cancel the loan! I was a mess emotionally again, I then asked the person I was speaking with, what was the Principle Balance due, they were using for the new modification loan, and she said it was close to $XXXX I told her I did not agree with that amount, because I have receipts from Banco Popular that indicate my Principle balance due is $XXXX, and on top of this, when I was checking the monthly receipts, there were months where they did not apply anything to my Principle balance! In those two years that I had been paying, my balance was suppose to go Down not Up! Within these two years period, there were a few payments, maybe three or four that were not made, but that was only because Banco Popular would not accept my payments, NOT because I didn’t want to pay them. And I have the dates I called, and the names of the people I spoke to!Then the person told me that they had used that money for something else, I asked her to please explain that, and she said, they used it to bring the mortgage up to date, but that still did not justify an $XXXX amount. Because like I said, I never stopped paying my loan!I was told that during all this time, that I was in the process of the modification loan, Banco Popular was charging Late Fees on the regular amount of the loan, even though they had giving me a NEW monthly amount to pay, which was $XXXX of the first loan, then $XXXX on the second loan, and that’s exactly what I was paying. How can they be charging me late fees on an old loan amount if they already gave me a new modified amount to pay, I mean that’s the whole purpose of requesting a modification loan. That can’t be right! (I really don’t understand) On XX/XX/XXXX I had no choice but to sign the closing documents, even though I prepared a statement indicating that I did not agree with the amount used for the new modification, and I signed it and asked the girl to attach it to my file. I did this because I spoke to a person at the HUD office, and she agreed with me that something was not right with my case; however, she said it was a legal issue, and directed me to your offices.I feel very helpless and hopeless, because like I said before, I’m a senior citizen, live alone, and I feel that I’ve been abused and taken advantage of, by this financial institution. (Banco Popular). If anyone can help me by looking into this request I would greatly appreciate it.Sincerely,XXXX XXXX XXXX) XXXX
05/06/2020	Yes	Checking or savings account Checking account	Closing an account Company closed your account	PR XXXXX	Web
I have several complaints about Banco Popular of Puerto Rico I will start with the most recent, Banco Popular of Puerto Rico closed my Business Acount XXXX that I opened it in XX/XX/XXXX and be managing since that date. I noticed somecharges on XX/XX/XXXX that I did not authorized and I reportedonXX/XX/XXXX in Banco PopularLocation XXXX XXXX TheyXXXX the associate that perfomed two claim that day told me that I have to go to other ocation where I opened the account to resolve the issues I explained to her in the best way that I have transportation problem and it is not possible I am located 85 milesaway from thatlocation and I went to my location they did not want tohelp me they are discriminated with me with my gender and funds on the account. She perfomed two clains and gave me copies of the transaction claims and receipt. Someone my neighborn that isthe actual partner of my exboyfriend is continuously entered to my home and steal my documents and properties to identity theft I already reported to police and Agent XXXX didnot want to gave me incident report number and did not want to do nothing due to discrmination by gender, by age, by " disability '' that I did NOT have, they harmed my reputation and I suffered many damages and lost due to that situation. The thing is that Banco Popular closed my accounts because I did not entered since XX/XX/XXXX and they continuoulsy charge me {$4.00} per day due to the transactions that I did NOT make and did NOT authorized and put the account on negative and making extra charges for not sufficient funds since XX/XX/XXXX. I said I did not authorized any transacton neither I request closing the account. I called severaltimes to customer service and try to initiate the online banking because I did not remember login information, they did not want to reopen, and because I forgotATM pin they did not want to reopen because said the charges total are like {$350.00} on XX/XX/XXXX but they opened my other checking account XXXX and it is in negative again. I have to moved from account XXXX to XXXX because they opened a reserved accountthat I DID NOT request and making transaction, making charges and payments and took {$390.00} that Ihave onmy account frodeposits and other transactions and they deleted the transaction from the statements, they are deleted all types of transactions for both accounts, and it happensinpreview accounts that i have with them before my divorced. The situation operate the following the deleted the trasaction and keepthe money and did not pay to the person or company that i make the payment, then send people to mylocation to steal any eveidence that I have for the incident, and they perfomed these actions per years. Now I am certainly sure that they are doing all these. I need that they opened my business accounts, I have registered withlocal taxes goerment agency here, also with XXXX, it is a ver bad situation I need to askfor aidsin this disaster and can't access to my informationtalked to two managers and both women discrimante against me like I didnot deserved have an business account open and because i was without make up in my excersice outfit, and in my bicycle. And Iheard many thing to other customers that went that day to XXXXLocation to tried to resolve during the disaster and she the manager treated very bad, discriminatedwith veterans andwith oldpersons and with me, the I call to XXXXlocation and talked to XXXX XXXX and the same situation she did not showed any respect to me she discriminatedwith meby my gender and my voice and she told me lies, told me that she willcall next day and provide me all the statements and she didnot call me to this date and sent several emailsand they did not want to open my account. They Banco Popular of Puerto Rico isstealing my money and discrimianted with me and pretend nowtocover everything and I manged on thosedaccounts more than XXXX since XXXX XXXX, and I lost everything and allmy properties are with them and they accessed to all my account without my concern anuence. I need theyreopen my account XXXX as reopen my account XXXX, becauseboth I used as my business and I need access tomy information. I knowthat they can't closed my account I have accounts on other locations and the institutions did notclosedthe accounts, and not clsed in the middle of a disaster.
09/02/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PR 00987	Web
I am trying to resolve an unapplied payment for almost one ( 1 ) year and it has not yet been resolved. The unapplied payment was made on XX/XX/XXXX which corresponds to the payment for the month of XX/XX/XXXX. My auto loan was acquired by Banco Popular ( BPPR ) during the merger with Reliable Auto. Please reference the line of events and actions taken on my behalf : XX/XX/XXXX o Discovery of the unapplied payment While visiting the BPPR - XXXX XXXX XXXX Once the merger was finalized between BPPR and XXXX XXXX, to make a payment and the Branch teller informed that the payment I was making was for the previous month. I proceeded to inform her that this is incorrect and showed her the previous payments and she directed me to speak with a Branch Employee to open a claim. I sat and waited to be attended by a Branch employee who informed that she would contact the auto department to have them validate their records as they have had several issues with missing payments due to the conversion of their systems/records with Reliable Auto. She informed that she would establish a claim with the department and took copies of my payment book. XX/XX/XXXX o I had contacted BPPR to establish a claim for the second time since I did not receive any letters or calls from my first claim and they informed that they would send me a payment history for my review. o I received an E-mail on XX/XX/XXXX with the payment history which I revised and informed that they did not include all the dates. 2nd Call ( XX/XX/XXXX ) o After speaking with an agent, they sent me the remaining payment dates which I proceeded to review with the agent and they informed that their system showed all of the payments and there are no discrepancies. XX/XX/XXXX o Due to my frustration with the situation and the pandemic, it was not until XX/XX/XXXX that I decided to present myself to the auto department to pay off my loan and resolve the unapplied payment issue. The first employee that was assisting me informed that there was not an error and that I needed to make the payment ; which was included in the payoff balance. I requested to speak to another employee ( XXXX XXXX ) who took the time to review my payment book and receipts with me. o XXXX XXXX discovered that XXXX had inverted the account number by one digit for the payment made on XX/XX/XXXX which corresponded to the month of XX/XX/XXXX. He then informed that the payment was applied to another customers loan, however that they would reverse that payment and then apply it to my loan. o XXXX XXXX then proceeded to open a fourth claim to correct this unapplied payment and informed that they would be contacting me to come in and they would provide me with a new payoff balance once the payment was applied to avoid me overpaying. The employee also took copies of the payment book to include in the claim. XXXX XXXX scheduled an appointment for me for XX/XX/XXXX to come and payoff the loan. XX/XX/XXXX o I proceeded to visit the office once again on XX/XX/XXXX and the XXXX XXXX was not available and I was attended by XXXX XXXX who informed that my claim was still in process and the payment was not yet applied. o I proceeded to request to speak to a supervisor and XXXX XXXX attended me and I requested that she escalate my case since Im trying to pay off the loan and that every day that goes by, I am subject to additional interest fees. o XXXX XXXX informed that she is unable to escalate the case since the employees are working remotely and that she would attempt to contact the department. o After waiting three ( 3 ) hours in their office, with no status updates, I asked to speak to XXXX XXXX again and she informed that she was unable to reach the department and that she would call me to let me know when I can come to make the payment once the payment was applied. I provided her with the copies of the claim and payment that were provided to me by XXXX XXXX. XX/XX/XXXX o As of today, XX/XX/XXXX I have not received a call and I proceeded to contact Customer Service and the agent informed that my claim was closed out with no notes from the claims department. o The agent proceeded to re-open my case ( XXXX ) and referred it to a supervisor by E-mail in order to see if they can escalate the situation since this has been an ongoing case.
07/18/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00926	Web
On XX/XX/XXXX, I received a letter from XXXX XXXX establishing that the PR Property Taxes Agency haven't sent my payment requirements. I called the PR Property Taxes Agency to confirm the status. During the call the customer services representative confirmed that XXXX XXXX had a wrong property number in my mortgage record. On XX/XX/XXXX, I visited XXXX XXXX offices in XXXX, to informed them about this mistake and provide them with a certification of the dept that I had due to this mistake with the PR Property Taxes Agency. The total dept was {$20.00}, XXXX, XXXX XXXX was sending my property taxes payment to another client for a period of five years. XXXX XXXX was going to start an investigation of my claim. After providing multiple follow-ups during four weeks, XXXX XXXX was able to completed the investigation. On XX/XX/XXXX, I received a letter from XXXX XXXX and a copy of the letter they sent to the Agency. The letter they sent to the Agency had incorrect information about the owners of the property. They did not included copy of the evidence of all the payments I made in the past five years. I visited the XXXX XXXX offices in XXXX, to asked them to amend the letter, provide me with the payment evidence and to confirm if they updated my property number in their systems. On XX/XX/XXXX, I visit the PR Property Taxes Agency to open a case to assure they were able to fix the bank 's mistake. The Agency confirmed that XXXX XXXX did not provided me all evidence that I needed. On XX/XX/XXXX, I visited XXXX XXXX again to ask for all my payments evidence. Finally on XX/XX/XXXX, I was able to submit the case to the PR Property Taxes Agency. The PR Property Taxes Agency updated my records in a couple of weeks. They confirmed that they did not received any information directly thru XXXX XXXX about my case. Simultaneously, XXXX XXXX adjusted my mortgage payment increasing the amount from {$2000.00} to {$2100.00}. Penalizing me due to their on mistake. On XX/XX/XXXX, the PR Property Taxes Agency confirmed that they adjusted my debt after they transfer all my payments. However, since XXXX XXXX was sending them a lower amount, this generate a new debt. I had a debt of {$7700.00} to the PR Taxes Property Agency and {$2100.00} of those {$7700.00} were due to interests and penalties due to the bank mistake. On XX/XX/XXXX, I pay the full amount of {$7700.00} to the PR Property Taxes Agency and open a claim with Popular Mortgage to assure they were going to cover the {$2100.00} of interests and penalties that their mistake cause me. On XX/XX/XXXX, I spoke with XXXX XXXX, Bank Manager. She mention that XXXX XXXX was going to open a new investigation and if the interests and penalties were cause by their mistake they were going to assume their responsibility. On XX/XX/XXXX, I received a letter from XXXX XXXX confirming that they received my claim and that they were going to transfer my case to the Bank Taxes Department for final approval. After this, I called a couple of times to provide follow up and the customer reps informed me that they were waiting for the Bank Taxes Department to process the check for the amount of {$2100.00} to cover the interests and penalties that I had to pay due to their mistake. On XX/XX/XXXX, I called again to XXXX XXXX to provide follow-up. XXXX XXXX, Customer Reps. told me that XXXX XXXX deposited the amount of {$2100.00} in my escrow account and I need to wait until XXXX of next year to received the money that I had to pay because of XXXX XXXX mistake. XXXX XXXX did not assume any responsibility thru the entire process. I do not think I should wait an entire year to received the money ; I had to pay due to the bank mistake. Every time a called or visit the XXXX XXXX offices they provide me with different information. I have been waiting for almost six month for a final resolution after opening multiple cases to solve the same issue. The PR Property Taxes Agency sent my information to a collection agency. I am not sure if this issue could also impact my credit. I will really appreciate any type of support the CFPB can provide me with this issue. Kind regards, XXXX XXXX
07/17/2022	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 33076	Web
My complaint is about a Bank in PR name Popular XXXX ( Banco Popular ) : - Since XX/XX/XXXX I open a claim about double insurance : Popular XXXX insist that my 2nd mortgage need additional insurance since my actual insurance is under-coverage ( condominum type property ) and I need additional insurance. - I explain and I have been very clear that my first mortgage ( XXXX XXXX XXXX ) have the insurance on escrow, plus I call the insurance company " XXXX XXXX XXXX and they send directly to Popular XXXX every year evidence of my insurance was paid by XXXX XXXX ( which they are really the responsible for having and collect the escrow for XXXX, and in fact they are not asking for such additional insurance ). - Since that same period every month I do my 2nd mortgage payments on time or without lates but always I enter on the same issue or discussion ( please remove additional insurance ), because they keep saying I need extra insurance and when I ask for evidence to Popular XXXX where on my 2nd mortgage contract or sign it deed, stay that I need to pay them for extra insurance, they just send me an explanation letter but without any type of additional evidence attach. But I just continue to reminder that my first mortgage with XXXX XXXX XXXX have the escrow and they are the once in any case to ask for that additional insurance for my condo unit. - After several moths past and on XX/XX/XXXX they send me another letter or notification with same explanation, and I made my XXXX payment this time on XX/XX/XXXX ( which they take it from my checking account ), on XX/XX/XXXX they notify me that my XXXX payment was missing. And I check my records or account and was not, so I told myself maybe this a mistake, so I will not pay attention to such letter. - In XX/XX/XXXX I call them to make my 2nd mortgage payment of the month of XXXX ( current payment ) and the service department start trying to collect the additional insurance again and I make another claim asking for same evidence but this time I noticed that they don't apply my XXXX payment ( even that they took the money from my checking account back in XX/XX/XXXX they don t apply it because I did not pay the extra insurance, that they bought without permission or providing me sufficient evidence from my pasts claim ). I spoke with XXXX XXXX XXXX from service department on same day and explain the situation about my claims and his supervisor finally agree to apply the XXXX payment removing the late payments, since they understood, but at the same time they advice me that I need to solve my situation of the insurance before take XXXX payment, which I reply that I was waiting for them to provide me with sufficient evidence and also explain that was unfair to denied my XXXX mortgage payment, since I have a existing claim with the insurance and or service department. But he insist and don t take my XXXX payment until I provided to them that I have additional insurance. - On XX/XX/XXXX I call again to Popular XXXX to make my XXXX payment and they took it ( reference number XXXX for the amount of {$280.00} ), but today I noticed that my credit score when down by more than 88point, so apparently they report a late on my XXXX mortgage payment even that I made it on time back in XX/XX/XXXX. - I have 2 complaint with Popular XXXX 1- I need to restore my credit since I have evidence that I always did my payment on time ( XXXX and XXXX ) 2- Need to solve the open claim about the insurance. Why they are claiming that I need pay to them an extra home owner insurance. Where stay on my legal deed, mortgage note, contract sign by me etc... Is very abusive from POPULAR XXXX company to put a hold or deprive the right to make my mortgage payments on time when they don t provide sufficient evidence. I believe that a simple letter from them don t satisfy my claim and more when I already pay an insurance on my condominium ( XXXX XXXX XXXX ) through my first mortgage.
08/14/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 007XX	Web	Older American
The XXXX is utilizing the banks of XXXX XXXX to wrongfully loot the accounts of taxpayers in the Treasury 's pursuit of efforts to mitigate their cash crisis. I have found XXXX acquaintances in my small circle of fellow taxpayers who have had similar situations this year. My accountant tells me it is not uncommon : Filing my PR income tax for XX/XX/XXXX, I went to the government office that collects taxes, fees, etc. and dutifully paid {$240.00} on time. The clerk stamped my return paid. My check was processed. But, on the XX/XX/XXXX, a certified letter was sent to me indicating that Treasury had contacted banks throughout PR to locate any accounts in my name and upon finding any, they were to freeze {$410.00} that they claimed I owed ( {$240.00} plus penalties & interest ). There was a hold my Banco Popular for that amount and a garnishment charge by the bank for {$50.00} on XXXX XXXX. The government phone number to call to discuss the situation, was never answered, so I went to my accountant to remedy it. He made a call to the tax office contact and said we needed proof of payment by XXXX XXXX, which I provided, and he sent to them. XXXX XXXX, I received another letter from the Treasury dated XXXX XXXX stating that a period of amnesty had been declared, and that if I paid the {$240.00} that they alleged I owed by XXXX XXXX, they would waive the penalties and interest. On XXXX XXXX a levy of {$410.00} was swept from my account. Apply the " smell '' test for fraud : The information for XX/XX/XXXX showing that I owed {$240.00} was only available from the form I submitted to them, and that form showed paid right on the face of it. That was seven years ago, and they never sent a request for more information or for a payment, or for anything else even remotely related. The first indication that they had an issue was a certified letter and a simultaneous impounding of my funds. They did n't answer their phones forcing me to hire a third party for assistance. Given the proof that they were in fact paid, they elected to take the money anyway, perhaps invoking the same defense that local thieves use " I needed it! '' This was all done during a period of amnesty which has precedence preventing this exact action. Government claims the right to waive due process and relieve us of our assets when certain bureaucrats deem it appropriate. The officials can go to a bank and impound accounts at will, and the banks are required to comply. As partners, the banks are awarded a garnishment fee of {$50.00} at the account holder 's expense. The PR government has shown an overwhelming tendency to create and attach new taxes to those who file properly rather than go after the 50 % who evade taxes because it is easier and quicker. They are using this approach to systematically and illegally raid smaller amounts from numbers of taxpayers to raise desperately needed cash. This is organized crime at the highest levels, and the naked boldness of their actions reflects the true lack of integrity within the government officials and the corruption of a system masked by incompetency. These FDIC banks are accomplices to this scheme. Many in XXXX refuse to open bank accounts because they do n't trust the bank, bankers, or the government. Banks are so controlled by Federal and XXXX governments that they are appendages. While the amount of money at play in my case ( under {$600.00} out of pocket ) is n't trivial, it serves as a warning about having one 's life savings in a bank account. Come the end of the month, PR will need a bunch more cash. Does that mean they will grab larger sums through their banking partners? It will cost a significant amount to sue to get my funds returned, and even when I win, they wo n't pay. Once the public discovers their new, current approach, who will dare leave their money in a bank?
01/11/2023	Yes	Checking or savings account Savings account	Opening an account Unable to open an account	WA 98075	Web
On XX/XX/2022, I applied for a savings account at Popular ( XXXX ) bank ( a time consuming tedious application ). On XX/XX/2022 at XXXX PT I received an email on ( Verification Code : XXXX ) asking me to verify two micro-transactions sent to my private funding bank ( which is another savings account I own ). On XX/XX/XXXX, I was able to see the two transactions sent to my funding bank savings account and verified them ( using the link provided in Popular bank 's email ). On XX/XX/XXXX, I received a second email from Popular bank stating that my application had been successfully completed and my account was now open ( Confirmation NumberXXXX ). Here is part of the first few lines of the email : " We recently received your application for a High Rise Savings Account account, Confirmation Number-XXXX. Welcome to Popular Bank! We greatly appreciate your business. Your application has been completed and your account is now open. '' ( note : " your application has been COMPLETED and your account is now OPEN. " ). I even been provided with an account number ( # XXXX, routing : XXXX ). On XX/XX/XXXX ( 5 days later ), {$5000.00} was fully transferred out of my funding saving account to your new account at Popular Bank ( after the transfer had been pending for about three business days ). On XX/XX/XXXX, I called Popular bank to inquire how to log in to the new account and after a very long wait time I was surprised to learn they decided to close my account. They claim they made a mistake and following security issue that no one could explain to me they must can not have me as a customer. Popular bank obviously has not done his due-diligence as expected ahead of time, before withdrawing my savings money to their bank. Popular Bank refused to allow me to provide them with any additional information to potentially satisfy their security concerns. No representative or even the supervisor could explain the security reason. The bank did not even bother to notify me that my account is going to be closed, in fact other than the phone call I initiated to them, they had been completely silent. The bank agents admitted that the late, sudden rejection is not right and should have been caught before opening my account, taking the money, and locking it without giving me any access. I have filed a complaint with Popular bank supervisor- complain number : XXXX ( supervisor 's name : XXXX ). Popular bank manager said they will need about five more business days to issue a reversed transaction back to my funding bank, however since then two weeks had passed and I still didn't hear back from them or got any refund. In any case this conduct results in a financial loss for me, I seek compensation for the following : - Not accumulating interest rate on my stolen funds starting XX/XX/XXXX, when the transfer began, or at least from XX/XX/XXXX, when it was fully completed, up until the future day Popular will hopefully fully returned the money back in the funding account. - I have invested a significant amount of time and energy into trying to open this account, prepare the funds to transfers ( more than the {$5000.00} ) and resolve this matter ( multiple phone calls, emails, complains ), as well as needed time to redo my investments plan and apply to another institute. - My funding saving account has a limit of up to six transactions per cycle, after which they apply {$10.00} fee, which I will likely to hit as I already made 6 transactions ( two of which is with Popular bank ). I see a lot of similar online reviews Popular bank ( at : bankrate, nerdwallet, fool, depositaccounts, businessinsider, etc. ) and don't wish to have to add to these reviews. I am hoping CFPB together with Popular will be able to make things right and properly compensate me. Thank you for your help, sincerely, XXXX
08/15/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NC 27215	Web	Older American
Since XX/XX/XXXX I have been requesting a copy of my mortgage servicing file in accordance with Part 1024 of the Real Estate Settlement Procedures Act ( Regulation X ) XXXX - Requests for information. Finally after several attempts, the bank responded improperly denying the requested indicating that was b overbroad and unduly burdensome. Based on that response I submitted a complaint through the CFPB and the bank responded providing limited information. However, their response provided false and misleading information that raises more issues than originally presented. I responded requesting additional information and clarification of the issues misrepresented in their response to the CFPB, however, the bank ignored to the address the issues and to this date has not provided any information. Copied below is a letter I sent the bank and copy of that letter was sent to CFPB ( who failed to include that response in the original complaint ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Team Supervisor Mortgage Servicing Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : CFPB Complaint XXXX I make reference to your letter dated XXXX XXXX, XXXX in response to my complaint to the CFPB referenced above. I will address each of your responses in the order presented in your letter. Document requested : Change of ownership I have received and appreciate the copy provided ; however, to this date, the XXXX has not made the change of ownership. I understand that the problem could be the XXXX and not the responsibility of the bank ; however, I do n't understand why I keep receiving letters from the bank asking me to file the change of ownership. Since the bank, as servicer of the loan, has the original copy and it is aware that the form has been filed with the XXXX, then the bank should re-submit this to the XXXX. Forced place hazard insurance policy from XXXX of XXXX to XXXX XXXX. During the above cited period the insurance premiums were not paid. On the modification closed on XXXX XXXX, XXXX we paid {$3600.00} for hazard insurance which is the equivalent of 28 months of hazard insurance premiums. This amount represents insurance premiums for the period of approximately XX/XX/XXXX to XX/XX/XXXX. Since you indicated that there was no forced placed insurance, please let me know if that amount was charged by mistake, and if so please refund the amount paid. Otherwise please provide evidence for the amount paid during the period previously cited. XXXX, the insurance company that issued the policy indicated that insurance was obtained by XXXX XXXX , XXXX, a subsidiary of the bank, and that XXXX XXXX received a commission for placing the insurance. I do n't understand why XXXX XXXX is acting on our behalf. I have reviewed the mortgage and promissory note and there is nothing in those documents that would give XXXX XXXX , XXXX the authority to act in our behalf. The insurance could have been obtained directly by BPPR, as the servicer of the loan, and would have resulted in a lower cost to us. See the modification closing statement dated XXXX/XXXX/XXXX. If the bank placed the insurance pursuant to CFR 1024.37 - Force-placed insurance, then the bank failed to comply with the notification requirements of the regulations. Those regulations provide the specific notification required before and after the insurance is placed. In addition, the servicer is required to comply with certain requirements established by XXXX. Since the loan was a XXXX loan, at least through period to ending with the modification, the servicer was required to comply with those requirements too. If we have known that the bank was going to use an intermediary, which result
03/30/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	PR XXXXX	Web	Servicemember
I have received calls continuously in more than 4 times from XXXX XXXX an debt collection agency contracted by Popular auto and XXXX XXXX XXXX XXXX bank trying to collect a debt that i don't owed for car vin XXXX INSURANCE POLICY # XXXX that i bought in XX/XX/XXXX and gave in payment advance my XXXX XXXX XXXX with a value of {$22000.00} where I paid more than {$75000.00} having it from XX/XX/XXXX plus {$4500.00} cash and make payments of 27 months and tried to recover my car 3months later after car accident property loss and Banco Popular refuse to give me my car back because they are in process of selling to other person and refused t stop the transaction because they went to dealership and request a car key to used after 20 days the car been left on bank location, they did nota call me to verify car conditions and the debt they proceed to sell it without my permission and without my authorization and concern because there are contract with 2 parties not only them I paid from XX/XX/XXXX to XX/XX/XXXX more than {$85000.00} much more the amount that I financed in illegal and misleading practices performed by Banco Popular, Popular Auto, XXXX XXXX and XXXX XXXX they discriminated against me and provide me not equal conditions to other applicants in less favorable conditions and discriminate against me due to my origin, gender, social status, civil status as divorced women, owned small business and after XXXX XXXX they did not gave me any help neither provide me options to hold my properties they committed depredatory actions to removed my propertes such my XXXX XXXX XXXX XXXX fter XXXX and 5 months of payments, my XXXX XXXX XXXX XXXX XXXX XXXXXXXX after 5 years 1 month of payments and after paid more than {>= $1,000,000} in all thins for the vessel and for the car to be a functional unit they violated my rights and make depredatory and misleading acts they did not gave the insurance certificate of XXXX ( " XXXX de XXXX XXXX XXXX '' ) in XXXX as the laws state, they did not explained terms of the loans and transactions so they committed dishonest and not legal action to obtain or win more money, they hold my money of a certificate of deposit when they removed the property and assign higher interest and keep the advanced payments for their sell and received insurance money and sold my properties against the laws in clearly misleading and depredatory acts, they did not reported to my credit report that I paid in XX/XX/XXXX more that {$7000.00} in payment of that they said were late and it were not late, and they assigned late fees more than 16ocassions because they not register the third payment and deleted from the phone system that make the payment and now said that i owed more {$12000.00} when I don't. I have no transportation due to them, they are using my car because I have on my license report faults of XX/XX/XXXX when I don't have the car with me, they are using since XX/XX/XXXX when they went to XXXX XXXX and request I another set of keys without notified me. They are violating CARES act and the new act. They violated my consumer rights and performed dishonest, misleading and predatory practices against me. They did not provide to me any payment arrangement, neither moratorium after natural disaster XXXX XXXX XXXX as I have the right to received as equally conditions to other consumers neither after XXXX they closed my banks account on XX/XX/XXXX in the middle of the lockdown and the declared disaster covid 19 and earthquakes on my region they did not care a lot and refused to open my accounts and refused to gave me back my properties. They hidden documents and information to take advantage over me and that is illegal acts, after I paid a lot of money to stole my properties and my money.
11/20/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	PR 00949	Web	Older American
Brief summary of this complaint was sent through Mi Banco XXXX by my Son XXXX XXXX, and the confirmation email was received at my XXXX email at XXXX XXXX XXXX, today, XXXX XXXX XXXX. Today, Sunday XX/XX/2022, at around XXXX XXXX., I arrived with my XXXX XXXX to the XXXX dealer called XXXX XXXX located at this address : XXXX XXXX XXXX XXXX,, XXXX XXXX, XXXX, because they advertised an offer for a new XXXX XXXXXXXX XXXX with the 6 speed manual transmission at the rare Manufacturer Suggested Retail Price of XXXX dollars, an offer my XXXX XXXX XXXX XXXX was able to verify with the car salesman from this same dealer, named XXXX XXXX XXXX, as shown in the included screen shot image received from this car salesman. My XXXX spoke with this salesman, and was clearly told the offer included a super bonus ( or bonazo in XXXX ), where the dealer was crediting or reducing the price by {$6000.00}, which clearly compares to the insane mark up marketing adjustments, which is nothing else than trying to sell vehicles overpriced by too much money, due to low supply, which is probably false because car sales are lower due to higher prices and current employment hard conditions for the majority : The offer never included, something anyone would reject, a {$2100.00} additional warranty purchase, and this is the fraud : No matter the car was advertised at {$21000.00}, with a bonus or discount of {$6000.00} that actually reduces the car price to the M.S.R.P. mentioned, meaning, instead of trying to sell it at {$27000.00}, which is the insanely overpriced robbery, it was offered at the fair price of the car, and the offer was more credible because my XXXX XXXX was informed it was the only new 2022 XXXX XXXX left at this dealer XXXX XXXX with the 6 speed manual transmission. We decided to drive more than 35 minutes on the highway and arrived, believing we were told the truth, and I authorized a credit inquiry to apply for the loan for this new XXXX XXXX XXXX. My other XXXX was showing that something was wrong, because he was trying to figure out the interest rate approved, without any down payment required, if the price was the one offered, {$21000.00}, but no matter he increased to make the test in his calculator the interest rate, added the interest to the price, there was no way to end with the {$470.00} payment the car salesman XXXX XXXX was talking about. We asked to remove the insurance from the loan offered, and still the payment was {$410.00}, after eliminating the {$880.00} or {$880.00} dollars of the first year insurance. Before going to the dealer, my XXXX informed we wanted a lower monthly payment, but because I was offered an 8.87 % interest rate at Banco Popular, my other XXXX XXXX XXXX XXXX, who is translating this complaint to XXXX because I only speak XXXX, asked salesman if there was an additional charge we were not seeing and informed, because something was not right : XXXX XXXX answered that there was a " required ''? {$2100.00} warranty added to the car price that was not part of the offer, was never mention to my XXXX XXXX XXXX before visiting this dealer, and was not mentioned at all before the form required to pull the credit report was filled. This fraudulent charge for a warranty I or anyone would simply reject, was also presented by XXXX XXXX as informed and required by the local XXXX XXXX XXXX Department called XXXX. here in XXXX XXXX, and that is also false : XXXX does not require any purchase of any additional or extended warranty to any new vehicle, but this was all informed after the credit report was pulled, and was hidden to me and my XXXX Sons before we arrived to the dealer, and at the dealer when we arrived before filling the form authorizing the credit inquiry.
11/13/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Foreclosure	PR XXXXX	Web
The Banco Popular de Puerto Rico ( BPPR ), without my knowledge, foreclosed on my mortgage and sold my house in XX/XX/XXXX. The allegation of a XXXX arrears was false. In XX/XX/XXXX, a lawyer from the Bank 's Legal Division threatened me with an arrogant attitude and an angry tone, stating that she would see me in court with my lawyer. Since XXXX I have been in bankruptcy, and it ended in XX/XX/XXXX. My mortgage was assigned to Banco Popular when Doral Mortgage in Puerto Rico went bankrupt. If there was an error in the late payments, Banco Popular would not accept it to defend their lawyer or her officials who referred my mortgage to the Legal Division. I requested a historical report of my payments and received a report that is not understandable because it segregates insurance payments and repeats transactions. The Bank did not allow me to make any payment until I paid all the false debt, late fees, and automatic legal fees for referring my mortgage. This happened when the XXXX pandemic began, and they inflated the amount of the debt so that I had no way to pay off the debt. In this bank is my personal savings account and they know the balances of my savings. Since the beginning of the XXXX pandemic, I have requested federal moratoriums to protect myself from the illegal actions of Banco Popular. This Bank refused to receive my mortgage payments from XX/XX/XXXX to the present. I applied for funds from the American Rescue Plan Act ( ARPA ) from the Homeowner Assistance Funds ( HAF ) but Banco Popular refused to receive those federal funds and thus not allow me to keep my primary residence. My case number is XXXX. Banco Popular knows my savings balances and I have money to pay false late payments, but I don't have to pay false legal fees and false late charges. I requested a Reconsideration Case in the Court of XXXX XXXX, but they have not reversed the illegal process of the sale of my property. Due to the XXXX pandemic, the Governor of XXXX XXXX issued an executive order to add alternative methods to guarantee citizens to comply with the government 's procedural requirements. After XX/XX/XXXX, in a mediation process by XXXX of the XXXX XXXX XXXX, the Banco Popular lawyer refused to receive my payments again. The Department of Housing of P.R. processed my request for funds to cover the supposed debt of my mortgage, and I understood that the Bank would not continue with the foreclosure process. I did not know that the moratorium until XX/XX/XXXX, did not apply to my type of mortgage. My home loan was {$100000.00} and my debt was {$40000.00}. The loan was for 20 years at 5 % interest with a monthly payment of approximately {$690.00} ( XXXX ). In the bankruptcy agreement, the mortgage was extended until XXXX. The bank never offered me alternatives to extend the mortgage. It also did not accept funds from the Department of Housing to pay legal and late fees. The Court employee who was supposed to help in the mediation did not inform the judge of the case the truth. The employee said that I was absent 2 times and it was not true. The judge of the XXXX did not verify the veracity of the delay and did not require any discovery in the process. It only based its position on the fact that I submitted the post-sale reconsideration and within about XXXX days of the foreclosure judgment. I was and am my father 's caregiver at XXXX XXXX XXXX between Friday and Monday and I was under quarantine on several occasions because my brother was exposed to XXXX and the Department of Health required him to do so. During XXXX I was infected with XXXX for the first time and so was my father and brother. Still, the judge did not consider my illness and that of my family in violation of my civil rights.
03/18/2021	Yes	Money transfer, virtual currency, or money service Virtual currency	Other transaction problem	PR XXXXX	Web
Good afternoon, to whom it may concern I bought a merchandise to XXXX XXXX which was not to my satisfaction and I made the return of the merchandise to the company according to the terms and conditions of the company. I made a claim through my bank Banco Popular de Puerto Rico. However, both the company says that the refund will be made through the bank and the bank says that through the company. Neither wants to take responsibility. The company says that the bank has permission to refund the money to me. I include a copy of the message as evidence. Thank you if you help in this matter XXXX XXXX customer MESAGES from : XXXX XXXX to : XXXX date : XX/XX/XXXX, XXXX XXXX subject : Fwd : Re : Confirm your sign-up to XXXX / Customer mailed-by : XXXX RECLAMATION 3 TIMES NUMBER BPPR ; XXXX XXXX, XXXX XXXX, XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX Date : Tue, XX/XX/XXXX, XXXX XXXX Subject : Re : Re : Confirm your sign-up to XXXX / Customer To : XXXX XXXX XXXX XXXX XXXX , We gave your bank/cardholder permission to refund you the money. ( di., XXXX XXXX XXXX XXXX XXXX XXXX ) Hi XXXX XXXX , We accorded with the bank the claim. Its now up to them. Questions If you have any further questions, please contact us by email. This can be done by a reply to this e-mail. Kind regards, XXXX XXXX Customer Service On Thu, XXXX XXXX at XXXX XXXX, XXXX XXXX wrote : Good afternoon XXXX : I have not received the refund of the {$79.00} yet, please verify the status with your company. Thanks you. On Tue, XX/XX/XXXX at XXXX XXXX XXXX XXXX wrote XXXX Hi XXXX XXXX , We accorded with the bank the claim. Its now up to them. Questions If you have any further questions, please contact us by email. This can be done by a reply to this e-mail. Kind regards, XXXX XXXX Customer Service On Mon, XXXX XXXX at XXXX XXXX, XXXX XXXX wrote : Good afternoon XXXX I return the merchandise XX/XX/XXXX but never refund the {$79.00} according with your instructions, please indicate the status of the refund. Thank you. On Mon, XX/XX/XXXX, XXXX XXXX XXXX XXXX wrote : Good afternoon XXXX Please refund the {$79.00} to Popular Bank of Puerto Rico. A claim return was made thru the bank. On Tue, XX/XX/XXXX, XXXX PM XXXX XXXX wrote : Good afternoon XXXX I included the evidence to return merchandise. Date estimated to received Saturday XX/XX/XXXX, XXXX. -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX Date : Tue, XX/XX/XXXX, XXXX XXXX Subject : Re : Re : Confirm your sign-up to XXXX / Customer To : XXXX XXXX Good afternoon XXXX I included the evidence to return merchandise. Date estimated to received Saturday XXXX, XXXX On Tue, XX/XX/XXXX, XXXX XXXX XXXX XXXX wrote XXXX Hi XXXX XXXX , Returns If you do not wish to keep an item ( XXXX or XXXX SC Card ), you can return it in accordance with the terms and conditions within the specified period of time. Please make sure that it is clearly visible that the package originates from you by using the RMA code : " RMA XXXX XXXX '' and inform your credit card company about your return. Keep the proof of return carefully. Return address XXXX Offer Fulfillment XXXX XXXX XXXX XXXX FL XXXX XXXX Terms and conditions We advise you to read the terms and conditions on our website XXXX. If you do not like the XXXX, you can return it to us within the return period. If you decide to keep the XXXX, we will collect {$79.00} in accordance with the conditions. Any questions? If you have any questions, please contact us by e-mail. This can be done by a reply to this e-mail. Kind regards, XXXX XXXX Customer Service
03/27/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	KS 66502	Web	Servicemember
MORTGAGE COMPLAIN FILED BY : XXXX XXXX XXXX XXXX : XXXX TELEPHONE : XXXX XXXX XXXX XXXX : XXXX TELEPHONE : XXXX : Approximately around XXXX XXXX, my wife XXXX and I, XXXX XXXX, applied for a re-finance loan with Popular Mortgage, a subsidiary of Banco Popular of Puerto Rico. This subsidiary currently manages the mortgage which we are currently holding for the house. Everything seemed to be going well ; we completed all the paperwork and paid the application fee of {$570.00}. Time began to pass and we lost all communication with Popular Mortgage. I sent multiple e-mails inquiring about the loan and only got half answers. Finally in XXXX XXXX, Popular Mortgage informed us that they were denying us the re-finance loan because of a " wording '' issue with the title. They argued that XXXX single word in the tittle invalidated the tittle, thus they were not obligated to complete the re-financing action. BACKGROUND INFORMATION : The property in question is located in XXXX, XXXX, XXXX XXXX, kilometer XXXX, sector XXXX. The house was purchased in XXXX and financed through Popular Mortgage. We have been paying this mortgage for 10 years and not once have we missed a single payment, thus we are in good standing with the bank. Our credit rating is outstanding, and our debt to income ratio is low. Thus, there are no legal justifications that would preclude us from qualifying for the new loan. As a matter of fact, my wife and I just completed a re-finance loan for our current residence on XXXX XXXX, XXXX with XXXX XXXX Bank for the amount of {$280000.00}. The house was sold by XXXX XXXX XXXX in XXXX. The house was built in XXXX and it included a total of XXXX square meters. Prior to the construction, XXXX XXXX divided the land into XXXX plots : XXXX of XXXX square meters for the main house and XXXX for XXXX square meters that was given to the architect that drew the construction plans for the house. The XXXX, district of XXXX, XXXX XXXX approved the division of land on XXXX XXXX, XXXX. On XXXX XXXX XXXX, my wife and I hired a land investigator that reviewed the records in the XXXX XXXX XXXX in XXXX, XXXX XXXX and confirmed that the request for division of land had been submitted officially as follow : VOLUME : XXXX CHAPTER : XXXX TOWN : XXXX PROPERTY : XXXX INSCRIPTION : XXXX page XXXX of the purchase agreement title, the notary wrote the following statement : " All individuals involved in this land purchase understand that the registry of this land and its current status are in good standing with the law and that under his best knowledge ( notary ) this land title study reflects the current status of the title ownership. " Popular Mortgage stated on e-mail dated XXXX XXXX XXXX that the registry of the land in which the house was built did not comply with the statutes established by XXXX ( XXXX of XXXX ) and that the " XXXX XXXX '' statute has not been met. This argument is irrelevant to the re-finance action, since it refers to a directive to annex the plot of XXXX square meters to the plot of land annexed to it. The plot of land in which the house rests ( XXXX square meters ) is registered legally in XXXX as verified by XXXX XXXX XXXX, title investigator, who was hired by both my wife and I to verify the land registration in question. BOTTOM LINE:1. Popular Mortgage agreed to finance the purchase of the house in question in XXXX with the SAME documentation ( titles, notaries, etc. ) that they now argued to be invalid. 2. Under XXXX XXXX law, it is the lender ( bank ) who 's responsible to ensure that the title is in good standing ; not the buyers. 3. If
08/21/2022	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	TX 76504	Web
Mortgage Loan Since XX/XX/XXXX, I have been asking for documents that establish the status of the procedures of loss mitigation process without being successful. All the information requested has not been provided. The financial institution, Banco Popular, represented by XXXX XXXX XXXX at the time, referenced a communication on XX/XX/XXXX that I did not receive or was notified of. On XX/XX/XXXX the same representative was requesting additional information for the closing of the loan and again no information on the status was provided. All the attempts to be in the loop of the information shared with the other party on the loan have been withheld from myself, including regular mail notifications. On XX/XX/XXXX I requested again a certification of the procedures made at the moment in order to work on the loan modification, and the requested information was not provided ( Receipt transaction XXXX, claim XXXX ). On XX/XX/XXXX it was requested from the bank by its representative, XXXX XXXX XXXX evidence of cancelation of a mortgage that was obtained before I was a title owner of the property. This was explained to the representative. The deed of sale with the information requested highlighted was provided the next day ( XX/XX/XXXX ). On XX/XX/XXXX the representative indicated that the above-mentioned was been considered by the legal department in order to proceed with the closing of the modification of the loan. On XX/XX/XXXX I requested to receive the reasons for the withholding of the process for information that was already provided and that demonstrated that I had nothing to do with it since the transaction was made before I was the title owner of the property. Response to this and many other questions were again not provided by the bank or its representatives. On XX/XX/XXXX It was requested to XXXX XXXX information on the status of the process of loss mitigation. The representative informed me that the process was going to be open until XX/XX/XXXX and that there were 2 missed payments ( XXXX and XXXX ). When I requested a document that would have certified what was explained by the representative, the documentation provided did not clarify or provided in any way the information that was requested ( certification reference XXXX ). On XX/XX/XXXX I spoke directly with XXXX XXXX XXXX and expressed my intention to start the process of loss mitigation by myself. She said that she was going to consult the case and get back to me with the information. Until this day, XXXX XXXX XXXX has not established communication with me. Finally, on XX/XX/XXXX I spoke with XXXX XXXX and requested the statement of the procedures made up to this time with the loss mitigation department through claim # XXXX. At the time, XXXX XXXX verbalized that the requested documentation was going to be processed and provided by XX/XX/XXXX. It should be noted that up to this point I have been collaborating with all the documentation that has been requested from me, however, the bank has failed to provide the information requested and the same opportunities that the other party of the loan has been provided with. It is my intention to start a process with loss mitigation to have a loan modification and release the other part of any participation in the property. The bank has been a significant obstacle to the resolution of the situation with the other party and has depleted any opportunity to complete the process in a friendly and collaborative manner. If it is possible, I would like to speak to a Spanish-speaking agent. Thank you.
09/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA XXXXX	Web	Older American
This is a follow-up of Complaint ID XXXX of XX/XX/XXXX, against Banco Popular of Puerto Rico ( the Bank ) forwarded to this entity by the Office of Senator XXXX XXXX. Also forwarded to his office. On XX/XX/XXXX, the CFPB closed the case indicating that they werent able to forward it to the company for a response either because the company is not on our complaint system, or because we do not currently handle complaints about this product or issue. On a XX/XX/XXXX, call to the CFPB, an agent explained that maybe this was due to a mistake since the Consumer-Identified Company is set as XXXX ( an Airline and the sponsor of the credit card issued by the Bank. ) She could not reopen the case but I could file a new complaint to explain the error. Upon login, the list of complaints shows that this complaint was Sent to Regulator FTC Since the start of this case in XXXX, the Federal Reserve Consumer Help has indicated the CFPB to be the entity to file this complaint. These two errors show very negligent handling of complaints even when being forwarded by a Senator. In this new complaint, I add an update to the Banks position, dated XX/XX/XXXX. It was made in response to a request for help to XXXX XXXX. It has a segment dedicated to help consumer problems. Here, as in the response to the first complaint to the CFPB, the Bank upholds its initial position that the annual fee and other charges as well as the bad credit reports were correct and can not be removed. Although, the annual fee charge of {$140.00}, plus the interest and fees that raised this amount to {$190.00} may be insignificant, for many it can have a profound effect on their economy. Also, the bad credit reports made by the Bank can have a great effect on most consumers reducing or eliminating their credit worthliness and even affecting their chances to get a better home mortgage or refinance. CFPB agents have indicated that it does not have enforcement powers but its website has an Enforcement tab. It shows cases where businesses were ordered to stop their unlawful practices, return all unlawfully charged fees and costs, plus interest, and fine them with millions in penalties. I hold that from the first response of the Bank to my CFPB complaint on XX/XX/XXXX, the CFPB has always had the authority and all the evidence it needs to enforce federal consumer financial laws. The Banks position maintained in its XX/XX/XXXX, response, clearly evidences that it will keep on violating federal consumer financial laws as done in my case for over 2 years by refusing to credit an annual fee for the use of a canceled credit card, adding fees and interest on this charge, making derogatory credit reports to credit agencies, and failing to follow dispute procedures. Yet, the CFPB continues to evade its duty to enforce federal consumer financial laws by failing to investigate if the Bank violated these laws and, if warranted, take enforcement action against the Bank. This case evidences the absolute and repeated failure of the CFPB, to enforce consumer protection laws and the brute inhumane abuse of a bank lawfully charged with having knowledge of the credit card laws but has maintained its unlawful practice with the blessing of the CFPB for over 2 years. Clearly, an investigation of this case could very possibly reveal more unlawful acts of the Bank. Please refer to Complaint ID XXXX which includes the full file forwarded to this entity by the office of Senator XXXX XXXX and made a part of this complaint.
09/11/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY 10075	Web
On XX/XX/XXXX I attempted to pay the outstanding balance on my Visa XXXX credit card with Banco Popular. I had stopped using the card for over a year, and the only charge the card had on its balance was the {$50.00} annual fee associated with the card. Up until that moment, I had always paid my balances online by transferring funds from my XXXX XXXX XXXX checking account. However, at some point between my last payment on XX/XX/XXXX, and XX/XX/XXXX, Banco Popular had required me to add my Banco Popular credit card as a 'payee ' on my online account in order to make the payment. I attempted to do so multiple times, but on every attempt the webpage returned an error saying : XXXX XXXX RECORD NOT FOUND. Therefore, my only other option to make a payment was through the phone, since I do not reside in Puerto Rico, where payments can be made in branches and via ATMs. ( The implementation of this change in payment processes without due notice could be in violation of Regulation Z ). On XX/XX/XXXX, I called Banco Popular three times to try and make the payment. One of which had me on hold for one hour and 14 minutes with no answer. At this point in time, I had recently started a new job, and could not afford to arbitrarily take breaks of over an hour in duration to try and make my payment. Between XX/XX/XXXX, and XX/XX/XXXX, I attempted to make the payment both online, and through the phone, and I was still getting the XXXX XXXX RECORD NOT FOUND error on the web portal. In fact, I still receive this error today and can only make my card payments through the phone. When I was finally able to reach a service representative on XX/XX/XXXX and make my payment, the service representative on the phone notified me after I asked that my account was seriously delinquent, and that it would have a negative impact on my credit score. On XXXX, my FICO score was reduced 122 points, to a score of XXXX, from the score of XXXX in the prior month. When I investigated my score in detail with XXXX, it was clear that the only problem account on my record was the Visa XXXX credit card I had with Banco Popular, and that the delinquency that impacted my score had been recorded in XXXX ( not in XXXX or XXXX of that year ). On XXXX of XXXX, I submitted a formal complaint to Banco Popular, of which they received notice on XX/XX/XXXX, and promised a response within a 30 to 90 day window. On XX/XX/XXXX, I received a second letter, reclassifying my complaint from a 'Card Services ' complaint to a 'Credit History ' complaint- effectively restarting the 30 to 90 day window for a response. In early XXXX, I decided to call the bank again to get an update on my complaint. It was only then where I was notified via phone, that my request to repair my credit history had been denied late in XXXX, and that a notification was sent via regular mail. To this day, I have not received a letter from Banco Popular detailing the reasons to dismiss my complaint, and despite requesting a copy of the decision via email in two separate calls, I have not received an email with the decision either. In my last call, Banco Popular 's service representative told me that she had submitted a " request to send the decision via email '' and that the bank would " reach out to me if they could not get a hold of me ''. To this day, nobody from Banco Popular has contact me on this or any other matter.
01/21/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	WA 98008	Web
This is the third complaint written against this company. The responses received from the bank are contradictory to their own statements and provide no clarity as to the validity of the repeated inaccurate information on my report. 1- Bank has listed the account twice in the report, but cites in the response to the complaint it is only XXXX account and XXXX balance. 2-Bank has failed to provide any evidence as to the balances cited other than a statement provided in the response in which there is no explanation of how the balance got there. 2.a. An investigation was requested of the bank in XXXX, in which I asked them to reverse a {$600.00} erroneous debit from my account, yet I never received response. 3. Bank claims they tried to contact me, but they had my updated information and I never received any notice, in fact, the statement produced for the response shows the old incorrect address. 4. Violation of my right to detailed information of the balances and information on my report : Multiple Efforts have been conducted to obtained detailed explanations of the balances being made and nothing has been produced. In Fact, during XXXX XXXX, I even called the company and emailed requesting more information, and even provided an offer to pay an entire amount regardless of the legitimacy of this erroneous balance, so that it could be resolved, as it has been affecting my credit significantly, to which the bank replied they would n't accept that, but could not furnish any information pertaining to the entire detail of the account. The folks even told me they did not have information regarding the details prior to a certain date, and no one was able to address the root cause and resolution of the {$600.00} debit in my account. 5. The bank has misrepresented information on my credit report by : -Listing account multiple times, when in fact, it assesses it is only XXXX item -Bank 's information, dates and timeliness are inaccurate, as evidenced even in the response received and the letter from the collection company who purchased their debt. -Bank continues to change dates of items in my report to perpetuate the issue. This bank 's practices are unethical and illegal, I have never received a single attempt from them to communicate with me, rather I have had to request information from them, to no avail. The bank has my address, email, and current phone number, as has been provided through my disputes and requests for information, but has failed to contact me. Furthermore, I showed good will to try to resolve even though I know the amounts are in error, in an effort to remove this and be over with it, but the bank ignored it. Due to all the inaccuracies listed above, and this bank 's failure to furnish any new information, I request this to be removed immediately. Attached you will find the inaccurate and incomplete information from the bank : 1 - Bank states last payment as XXXX separate dates in response 2- Bank states XXXX only account and cites the same issue, yet it has multiple listed 3- Bank misrepresents date of sale of debt on XXXX occasions. See evidence provided by the collection agency. 4- Bank fails to provide information yet again 5-Correspondence between myself and the bank asking them to investigate transaction, and their lack of response, yet their response claims lack of knowledge of any investigation.
04/10/2017	Yes	Mortgage Other mortgage	Settlement process and costs	PR 00778	Web
My name is XXXX I 'm going to start with part of my story. On XXXX I made a loan with Doral Bank in order to acquire real estate in the sector XXXX in XXXX, Puerto Rico. All paperwork regarding house inspection and appraisal was carried out by agents or employees of Doral Bank. The following individuals were involved in said paperwork : - Real Estate Broker- XXXX XXXX Appraiser- XXXX - Mr. XXXX- Unknown From the Settlement Charge Report, Mr. XXXX charged for an inspection of the property before closing. These charges, as well as the inspection, were unconcluded given that in none of the documents it specified the type of inspection carried out on the property. Upon contacting Doral Bank, as well as the companies/agents of XXXX, and XXXX. All of them agreed that they did not have such documentation. Until today I do n't receive a copy of the documents. As part of the real state 's financing, I was eligible for the Federal Funds from United Statas Governments. As a requirements for receiving the Federal funding aid, the terms for paying out this type of loan, the participant could agree to do 50 hours of community service. I was unable to complete the agreement before the first year after the property 's acquisition because in XXXX of XXXX the property was showing infrastructure problems. the problems significantly escalate on XXXX. On this date, water began to drip down directly the light bulb sockets, and the living room 's ceiling plaster began to crack and fall down, the rest of ceiling in all rooms began to crack. water runs down from the walls. These issues were reported on XXXX to U.S.I.C. ( United Surety & Indemnity Company ), the house insurance company. On XXXX I receive a response from U.S.I.C. stating they would inspect the property. On XXXX, an inspector from U.S.I.C. finally inspected the property. On XXXX I contacted FEMA for help and orientation and on XXXX a home inspector from FEMA verifies the claims and damages on property. On XXXX I contacted U.S.I.C. to verify the status of the property inspection and they inform that was still going an evaluation process. On XXXX I received an email from FEMA stating that all structural damages must be deal with accordingly to the home already designated insurance. On XXXX finally I receive a letter from U.S.I.C. stating that they can not intervene with the case, according to them the structure damages were pre-existent as well their insurance policy stating they do not cover water incurred damages. Aside form the steps taken, on XXXX I incurred on a water proofing and moss removal roof treatment was carried out to try fixing the water leak problems. The leaking occur again three month after the treatment. Upon realizing that situation was only getting worse, I proceeded to search for legal advice. On XXXX I filled a complaint to the XXXX ( XXXX, by XXXX initials ) in which I requested a reevaluation of the property value. Personnel from XXXX visit the property on XXXX. They never give me the report because I needed to ask for it under a court. During this waiting process, I contracted the Engineer XXXX, who specializes in structure, in order to inspect the property. The inspection was carried out on XXXX. This is just a part of what I 've tried to do and no XXXX answers. I come to you as my last hope for HELP PLEASE. Thanks XXXX
07/28/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	PR 00949	Web
This is an exact copy, with corrected grammar errors, of the message I sent to Banco Popular Customer Service through their own web site after I logged in. today, XX/XX/XXXX, before XXXX XXXX I really thinks this will not only speed the consideration of my claim, but the message shows something is not right here. " Good afternoon, today at XXXX XXXX, I received a text message informing that the Bank had made the inquiry to my credit that I requested, looking for the option of consolidating my current credit card debts with a personal loan like the one you ( the bank ) even offer online. For this I have been working my credit for a long time, and it was not until yesterday that I could see when ( after ) paying for my credit report to the same company XXXX XXXX XXXX or FICO, for my report, where I could see not only that the score is favorable with XXXX pts in FICO 8 XXXX XXXX, which FICO reports is the most used, but my debt level and payments are in the Good rating, knowing that no matter how high the score, if these two criteria is below the Good rating,, and that it is much more difficult to improve these 2 criteria, compared to raising the points, which is easier, I decided to risk an investigation to my credit for which I paid FICO ( before the inquiry ), it is not a free generic version, but XXXX XXXX from the XXXX branch, who attended me, just reported that the Bank recently changed the model or formula it uses, and that my score came out at only XXXX pts, 23 pts below FICO 8, which according to my report provided by the same FICO ( yesterday, XX/XX/XXXX ), it could only mean that the Bank uses the new version FICO 9 that most banks do not use, because my FICO 9 came out in XXXX yesterday when I paid for the report I have with me and the official could see it. Although this denial of credit is under reconsideration, ( that is why I tried to correct the problem before the CFPB complaint ), I honestly did not expect this, not only because I am a client of the Bank of years as well as my parents, but because we are aware that no matter how high the ( credit ) score or empirical, if the debt criteria and payment history is not good, there are no opportunities to be approved, precisely that is not my case, and not only that, I asked to be considered for a loan of only {$5000.00} to consolidate my debts, and to be considered for one of {$12000.00} to repair my car body ( at shop ), but they did not even look at the request for {$5000.00} because they counted some arrears that I had in XXXX to my ( credit card with the Bank ) card, but that they are documented in the Bank in the card division perfectly, and the card is Paid as Agreed for years with the same Bank, call XXXX XXXX XXXX, I sincerely believe that it was not a fair decision, and I was not considered a client of the Bank, nor clearly informed that these changes would result in a possible denial easily, although the Visa in question is Paid as Agreed I do not understand, knowing that only that would have more weight than all my efforts of years, I would not have even applied, because I risked a credit inquiry, due to the status reported by the FICO itself, knowing that the main criteria of debt and payment history are Good with FICO , XXXX XXXX XXXX XXXX XXXX ''
12/23/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33844	Web
What is this complaint about? Hello, this complaint involves a bank overcharging me in fees that were not agreed to. What type of problem are you having? Ive had this account since XXXX XXXX XXXX. And it has been a burden in my credit score ever since, it does not allow me to live up to my expectations. What happened? I was trying to come up with money to rejoin fall semester XXXX, i was making deposits in my savings account at this local bank every now and then. I found myself asking for information about student loan oportunities. A XXXX of a close relative had left me responsible of house expenses so I was not looking to pay on a regular basis and i made it clear. I was looking for a student loan period. The banks customer service host referred me to one of the reps, the employee was very nice and explained me lots of products that really interested me but she kept reminding me that i needed a cosigner and it was not posible due to the lack of credit i had. She gave me the details on a credit card that i would be able to use and pay at least {$25.00} dollars every month as the minimun payment or if i decided that i couldnt pay that month i would just called them and they would charge the same credit card the {$25.00} dollars so it wouldnt hurt my credit in the future. I was never instructed about credit score information until that point. I had to call them the first couple of months to let them know that i couldnt even buy an ice cream cone. I didnt even wait till the credit card was mailed because it was recomended that I spent as much money from the card because i would open my credit possibilities and also i needed the money. But I did not realize that they were charging many fees plus my statements were not arriving into my hands. I would have closed the account and paid off the debt with a monthly payment although it would hurt my credit but it was the logic choice knowing or not knowing about credit scoring. I havent been able to get a student loan or even a car loan. I even moved to try other possibilities because it is in my full interest to rejoin university. This has put a rock on the path of my dream. Step 4 : What company is this complaint about? This company is called Banco Popular de Puerto Rico. It is one of the major banks in Puerto Rico. Step 5 : Who are the people involved? I am involved. I have a decent job making XXXX a month and i havent been able to get a loan for a car due to the many delinquencies. I even paid for an installment loan because I figured that I could do nothing about it but when I saw this page I decided to write this complaint because it has been real hard. I was paying them regardless and from almost {$700.00} debt plus all the other fees i brought it down to {$300.00} multiple times but that balance every month was increasing and i know for a fact that I only used the total credit available ( {$500.00} ) in the first week and ive been paying interest wven though the account is closed. In addition to that, due the hurricane they stopped charging my auto pay. And my statements now come with a sorry note and a monthly minimun balance of XXXX. I was not even updated on the status of my account. I am willing to send paperwork.
12/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	PR 00969	Web
In XX/XX/XXXX I was approved for a personal loan by Banco Popular de Puerto Rico, which I started paying through direct debit from from my checking account on the XXXX of every month. Monthly payment was {$360.00}. I never had any issues with payments, always having the necessary funds available in my account on the payment due date. As you may or may not know, on XX/XX/XXXX Hurricane Maria made landfall in Puerto Rico causing mayor damage to the islands infrastructure, including power and water. Throughout the chaos I heard that some banks were offering a 3 month grace period for loans and other credit payments, something I was not aware of. The bank did not notify me of this grace period, they did not ask me if I wanted to apply for the grace period, nor did they tell me that additional interests would be charged. Not having any of power for months, I was unable to verify my account on the internet, as I usually do. On XX/XX/XXXX I was able to contact the bank, to verify if the payment due on the XXXX of the aforementioned month had been applied. It was confirmed that said payment had not been debited. During the same call I asked the customer service rep to please debit my account for the amount due XXXX {$360.00} XXXX and to keep applying the following payments on the XXXX of every month, as usual, because I was not interested in the grace period offered. As the final payment month was reaching I notice there was a small difference for the final payment, it was supposed to be in XXXX and it seemed as if I still owed 2 additional months and an additional {$130.00}. I called the bank asking for an explanation as to why I still owed those 2 months plus the additional {$130.00} to which they replied that they had applied a 3 month grace period after the hurricane to ALL their clients, and that the additional amount was interests. I told the customer rep. about my call on XX/XX/XXXX asking NOT to be included in the grace period letting her know that the bank had debited the month of XXXX, making me believe that all had been resolved, to which she replied that they had given all their clients the grace period and that there was nothing she could do about it. In other words, due to the fact that I was unable to verify my account due to the power outage, and believing the grace period issue had been resolved, I was still forced to pay interests on something I had clearly declined. What, did she expect me to call in every month to reinstate my already approved direct debit? After the call, that solved absolutely nothing, I waited until XX/XX/XXXX to payoff the loan, including the interests for the grace period I had declined on XX/XX/XXXX. Sometime in XX/XX/XXXX I went to one of the XXXX branches where I was told they don't have any personal loan reps. at any of their branches, so I should call customer service. Already knowing that they were not going to help me I decided to get some help from a lawyer who deals with the bank on a constant basis. He recently told me he couldn't help me out, and so here I am. I am sure that there are many others who have been unjustly charged interests as I was. This must have made the bank millions of dollars, and it is unfair.
09/13/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Delay in processing application	PR 00926	Web
Greetings On XX/XX/XXXX, a credit card was requested through the website and was approved. On XX/XX/XXXX, I received a call from Banco Popular, number XXXX, indicating that it was from the security department to ask me some questions about my person, such as social security, etc. I told the person to give me their number. telephone to return call. The employee indicated that if she did not want to identify me, she should go to the branch. She was told on several occasions if they had any way to do this by email, etc., and she indicated that these were instructions that would be passed through the branch. I contact customer service to try to talk to security and they answer from customer service, the employee tries to pass the call and the security department indicates that they do not accept calls with customers. I do not understand with so much campaign that indicates that Banco Popular does not make calls and that you do not report your personal information to Popular. I had no choice but to stop by a branch where I was kindly attended by an officer to request an updated identification that I could have sent by email. I call again on XX/XX/XXXX to make a transfer and again they tell me that they can not identify me that I have to send my ID to an email to the security department to be able to identify myself. On XX/XX/XXXX, I contacted them, and they told me from customer service that the ID sent was not legible that I should send it and since the security department has so much work that I had to wait for them to call me. I requested a transfer from the same bank XXXX XXXX XXXX, and XXXX was paid and the other was not because the bank 's address was simply not according to their system. I contacted them today and they informed me that I have to make a claim for an investigation to be carried out that can take up to 90 days to investigate what happened to the address. On XX/XX/23 I called again to request the status of the claim and they informed me that it was rejected. I contacted XXXX XXXX XXXXXXXX to guide them on what is happening to me with Banco Popular and they replied that they have nothing registered, which is very strange. situation. That my account with XXXX XXXX XXXXXXXX is all good and that they even received the information about a transfer from another card and everything was fine. I go back and contact Banco Popular to report what I'm talking to with XXXX XXXX XXXXXXXX and the customer service tells me that they are going to try to make the transfer again and I explain that I can't do it again if they don't know how to explain to me what it is. that is being carried out, nor what is happening with the account. Really, how is it possible that the customer service is so terrible and abusive towards customers. All my life I have worked with financial services, I have several businesses in US Banking, and it is possible that the simplicity and treatment is better there than in XXXX. If I had not investigated my credit, I would not have made any further requests with Banco Popular. I just need to be guided as to what it is not like to call and have a person answer like a recording robot.
01/29/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00976	Web
On XX/XX/XXXX I noticed ( 2 ) transactions on one of my Banco Popular de Puerto Rico ( BPPR ) accounts that were not authorized by me. I immediately called BPPR and reported the issue with Ms. XXXX XXXX from the Fraud Department. Ms. XXXX informed me that the first transaction was made XX/XX/XXXX for {$480.00} at an ATM inside XXXX XXXX XXXX in XXXX and on XX/XX/XXXX a second transaction was made in XXXX XXXX XXXX in XXXX for {$2100.00}. My account was left with XXXX cents. At the time I was speaking with Ms. XXXX the two transactions were still pending and Ms. XXXX told me that the money wasn't available to me but that the payment to XXXX XXXX XXXX XXXX XXXX been made yet. On that same day Ms. XXXX proceeded to send me an email with several items including an Unauthorized Use Declaration, al letter which stated, among other things that a provisional credit would be credited to my account while an investigation was conducted. It is important to note that the provisional credit never occurred. I filled up all documents solicited by Ms. XXXX and complied with all of BPPR requirements and was told that the investigation would take 30 days. On XX/XX/XXXX, I received a letter from BPPR which basically stated that According to the Commercial Deposit Account Agreement I will be responsible for all debit transactions at automatic teller machine and for purchases using my ATM card and or XXXX XXXX XXXX card, until the time you have notify them the loss, theft of unauthorized use of the card. Please refer to section III.C. of the Commercial Deposit Accounts Agreement. I have several problems with this statement : The card that was used to make the unauthorized transactions wasnt mine, my card was hand delivered to BPPR XXXX XXXX, the very next day, as instructed in the documents sent by Ms. XXXX on the XX/XX/XXXX email. It is evident that the unauthorized transactions were made with a copy of my card, not with mine. Did it take 30 days to send me a letter? I respectfully ask myself this question. If possible, I would like to know what type of investigation was performed. What items were purchased? Do they have pictures of the person that made the unauthorized transactions? I would like to know what are BPPRs policies to protect the customers. What are the internal controls to protect the customer of this type of risk, which is a common occurrence in Puerto Rico and a red flag for regulatory agencies. After a customer is a victim of this type of fraud, which the customer has no control to guarantee that he would be 100 % protected, what are BPPRs requirements and/or protocols to validate that the card that was used in the unauthorized transactions belongs to the customer and that no copies where made, to protect the customers of this type of fraud. If XXXX XXXX XXXX in XXXX had asked for an identification to validate that the person making the purchase was the owner of the card, the fraud would have been avoided. I hope this information was useful and hope that BPPR reconsiders and credit my account with the total amount of the unauthorized transactions.
02/08/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 286XX	Web
Following are the events that have occurred since the process started : XX/XX/XXXX, XXXX the Realtors sent the package to Loss Mitigation BPPR via email XX/XX/XXXX an email was sent to Loss Mitigation asking for the status of this case XX/XX/XXXX HMP Properties sent an email to XXXX XXXX in loss Mitigation with some documents requested to me On XX/XX/XXXX The professional in charge of the appraisal visited the property. I never received the appraisal from Loss Mitigation Department XX/XX/XXXX - XXXX XXXX has been asking for the approval letter from XXXX XXXX and there was never a formal approval letter. XXXX XXXX asked Loss Mitigation also for the appraisal because it was never sent to me. Once XXXX XXXX received the appraisal sent it to me. XX/XX/XXXX XXXX I wrote a letter asking for a reconsideration of the appraisal. XX/XX/XXXX - XXXX XXXX of Loss Mitigation department send an email letting me know that the reconsideration letter was received and sent to the corresponding department XX/XX/XXXX - XXXX XXXX sent an email to XXXX XXXX to know if the reconsideration was approved. She answered that I should receive a response in 30 days from the date the letter was received by loss mitigation. I never received that letter. Then she gave the number that I should call for status which is XXXX. I never received status for my case calling to this number and I never received a reconsideration to the appraisal. XX/XX/XXXX - There was still no approval letter. Loss Mitigation only gave XXXX XXXX the amount and expenses approved, but there was never a formal approval letter. XX/XX/XXXX, XXXX XXXX XXXX answered to XXXX XXXX that my case was submitted again to XXXX XXXX because by the time to close, the approval will be expired and also that the collateral was requested on this date and will take XXXX weeks for Loss Mitigation to receive it. She also let them know that once a new BPO and net proceed were received that will begin the closing process XX/XX/XXXX - XXXX XXXX was giving constant follow up. XXXX XXXX from Loss Mitigation wrote again that they were waiting for the collateral and XXXX XXXX approval XX/XX/XXXX - After following up, XXXX XXXX XXXX received another email telling that loss mitigation was waiting for XXXX XXXX answer XX/XX/XXXX - HMP Properties received another email from loss mitigation with the status that were still waiting for XXXX XXXX answer XX/XX/XXXX - XXXX XXXX wrote to XXXX XXXX for status XX/XX/XXXX, XXXX XXXX answered that Loss Mitigation waiting still for XXXX XXXX This will be a cash transaction. I really appreciate that my case can be escalated so we can close this month as soon as possible. I want my case to be managed with the seriousness it deserves. I am very frustrated with all this process. It has been XXXX months since we started the process and all we get is that there is still no approval from XXXX XXXX. I also request that a formal approval letter is sent to my XXXX XXXX XXXX, XXXX XXXX XXXX. I hope to know about a solution for my case. Thank you XXXX XXXX XXXX Best Regards,
05/04/2021	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 009XX	Web
XX/XX/XXXX ATTN : POPULAR MORTGAGE After reviewing the appraisal for my primary residence, I would like to request further clarification and investigation by the appraiser. Base on the additional facts on this statement, that can be found on public and private record, I would like to ask for a reconsideration of value base on the following points : This Property was purchase at XXXX in XXXX ( consider under value at that time ), including the fact that some areas were not functional, but it was habitable. This appraisal performed in order to refinance my property, was completed by same appraiser from XXXX, when property was purchase, which should have been a random selection, so there is no bias. Value considered by appraiser= XXXX XXXX inflation from XXXX to the present is at a 3.61 as per bls.gov which is a federal goverment source, for this reason current price of the property without the upgrades can be calculated at {$220000.00}. If previous amount is subtracted only around {$1200.00} was added in value after completed renovation and almost 2 yeas of rising prices. Not recently renovated, with more than 6 months of appraisal, outdated interiors and smaller properties were compared on the appraisal, the most similar property will be the one from the XXXX XXXX because has the same view and is located on the same area on a higher floor, but this property was value more than ten months ago. The main fact of disagreement on the appraisal is that there are no properties currently on the market under XXXX around 1,200 sq ft located in this area recently renovated with 3 bed, 2 bath, laundry and 2 parkings ( 1 car garage ). Renovated areas and the amount of parking should be considered to add value to any property in this location. Another fact is that prices in the area since XXXX until moment still rising in addition to the lack of inventory in the entire island adds even more value. Upgrades 1. Flooring removed and renovated 2. Added 3rd room with closet space 3. 2 bathrooms were renovated, 2nd bathroom ( guess bathroom ) was made functional 4. Removed walls from walking closet located at master room which added more space to the room 5. New Laundry area with sink 6. Plumbing system, added stopcock inside the apt ( not available in most of the apt on the building ) 7. Electrical system 8. New Doors for all rooms 9. Fully painted Location 1. Closest residential building to best beach club on the island XXXX XXXX XXXX XXXX ) XXXX. Gated condo with beach access, playground, gym, pool, laundry facility, meeting room and 4 elevators. 3. XXXX hotel next to the building also less than XXXX minutes walking distance from XXXX XXXX and Since XXXX to XXXX XXXX hotel. 4. One of the few exclusive view to the Airport landing track 5. Partial ocean view at each bedroom Attached you will be able to find sales prices of properties in the area that were recently sold with similar spaces that can be consider comparing also some of the receipts for the renovation.
02/25/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	DC 20009	Web
I signed up for the XXXX XXXX Visa credit card issued by XXXX XXXX XXXX. The conditions of the offer stated that XXXX bonus miles would be posted following the completion of an eligible purchase within the first 90 days. The terms of the offer were fulfilled as of thXX/XX/XXXX statement ; however neither the bonus miles nor the miles earned for the statement have been posted to my XXXX account. The attached statement confirms the miles due to be posted. Per the offer, miles would be deposited within 6-8 weeks ; this timeline has long since been exceeded. Attempts to resolve this issue directly with the credit card issuer have been unsuccessful, and a formal case was opened : case no. XXXX. As of today, no miles from the XXXX XXXX Visa credit card have posted to my XXXX account. Both XXXX and XXXX XXXX XXXX have confirmed that the credit card is successfully linked to my XXXX account. Any assistance to resolve this issue is greatly appreciated. Here is a snippet of the offer terms taken from their website : -- Subject to credit approval. Only one XXXX credit card per customer. Must have earned XXXX from flying XXXX XXXX or an airline included in the XXXX partner network or have been a previous XXXX credit cardholder to apply. It is required to enter a valid mobile phone to fill out application. Before we approve you for a credit card, we will review your credit report and the information you provide in your application to confirm that you meet the criteria for this offer. Based on this review, you may receive a Visa Platinum or Visa Signature card. For benefits details, please read your credit card benefits materials which will be mailed after your account is established. 1To qualify and receive your welcome bonus XXXX offer, you must make an eligible purchase with your Card within the first ninety ( 90 ) days of your Account opening date. The welcome bonus XXXX earned will appear in your XXXX member account within 6 to 8 weeks after your first eligible purchase was made to the Account, so long as your membership with XXXX has been confirmed, and the eligible purchase occurred within the 90 days previously referred to. To be eligible for this welcome bonus XXXX offer, your Account must remain open and in good standing on billing statement closing date where the first eligible purchase made to the Account is reflected. Subject to the terms and conditions of the program. For more information, call XXXX or visit XXXX. The following types of transactions do not qualify as eligible purchases and do not earn XXXX : use of Convenience Checks, Balance Transfers, Cash Advances, unauthorized or fraudulent charges or fees of any kind including Annual Fees or Balance Transfer Fees, Purchase of casino chips, other methods of gambling, or any other Transaction that we determine at our sole discretion constitutes or is equivalent to a Cash Advance. Subject to the terms and conditions of the program. For more information visit XXXX
02/07/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 76248	Web
See attachments for more detail. I am requesting my {$140.00} Annual Fee ( charged on XX/XX/20 ) on my closed card be removed, as I was told repeatedly by Banco Popular phone CSRs was the policy both before and after applying for the card. Banco Popular should be investigated by the CFPB for the way they slam customers for Annual Fees when their phone CSRs say one thing, but then customers are " trapped '' once it posts because they refuse to follow their own rules, won't communicate, and won't remove errant Annual Fees when requested. B.P. has a standard policy of allowing card cancellation within 60 days of the Annual Fee posting. I called prior to applying to verify. After applying and receiving the card, I realized during first month the reward program tied to the card was marketed as better than reality, so the card did not have the value advertised. Therefore, rather than continue to use and pay the Annual Fee I sent in a request to both cancel the card ( well within the 60 days ) and remove the fee. B.P. cancelled the card, but did not remove the fee as requested. I called a CSR to inquire, and although he agreed, I was then transferred to another department who now claimed the 60 days was only for renewals of the Annual Fee and that it was specified as such in the terms. This is an absolute falsehood there is nothing in the terms that indicated Annual Fees are treated differently, as they are intended for continued usage of the card for the upcoming year regardless of whether its the first or a subsequent one! Further, calling and emailing indicates consistently that B.P. has a generic uniform 60 day period to cancel the card after the Annual Fee posts. However, none of these people are empowered with completing a closure/refund request. Instead, when physically mailing or emailing B.P. to complete the request, those departments suddenly refuse to honor what B.P. has told the customer verbally and instead they claim its prohibited in the terms ( which it is not )! This appears to be a scheme to fleece customers. Any recorded call log related to my B.P. credit card will confirm my claim. My repeated emails to XXXX to get this resolved ( starting on XX/XX/XXXX) have been ignored. What is clear in the Terms is the Annual Fee is for an annual use of the card. Whats also apparent is that B.P. multiple times said they will refund this if done within 60 days of the posting, which I did, since obviously the card is being cancelled instead of being used for the upcoming year so the reason for the fee is no longer valid based on the timing of cancellation. If B.P. wanted to enact a separate official policy for how it handles the first Annual Fee vs. renewal Annual Fees, it could have but it has clearly NOT done this yet. Therefore, I expect my fee to be refunded under the standard policy I have been repeatedly told applies, and which I was requesting as part of my card cancellation that B.P. agreed to.
01/19/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Opening an account Unable to open an account	FL 33596	Web	Older American
On XX/XX/23 I completed an application with Popular Bank to open a XXXX jumbo CD. I received an email verification that the application had been approved and that Popular would make two test deposits, which were successfully completed on XX/XX/23. On XX/XX/23, I received a subsequent email that my account was opened, an account # was provided, and that the account would now be funded via external transfer and to expect a Welcome Package within the next few days. Accordingly, on XX/XX/23 the wire for the full amount of my CD was received by Popular from my personal checking account. I set up my mobile online access and was able to access my account that reflected the CD and deposited balance. Then on XX/XX/23 when I tried to checked my account via online banking again, I received a message that verification needed to be provided prior to online access being granted, that I would need to send Popular a copy of the first page of the account that my funds were transferred from. I did that and received a return email that Popular had successfully received the verification document. I then contacted Popular on XX/XX/23 to find out why I still could not access my account and was told to give it another day. On XX/XX/23 when I still could not access my account, I called Popular again. I was now told that my account had been closed. When I inquired as to why, I was not given a reason, so I subsequently spoke to two different supervisors. When I finally spoke to XXXX XXXX, a supervisor, he told me that they had closed the account and were not required to provide a reason, that it was their discretion on whether or not to accept the account. This made no sense to me as Popular had already opened the account, provided me an account #, and had transferred the money via wire into the Popular CD. I was on the phone for XXXX minutes and when I kept pleading for a reason why my account was being closed when I had successfully provided all the information and received emails that everything was done properly, I kept being told by XXXX XXXX that Popular reserved the right to close any account for any reason, including denying an account to any person that they desired to turn down, and that they did not have to provide a reason for closure. I told him that this was discriminatory and a wrongful act. XXXX XXXX was very aloof towards me and would not provide a reasonable response, other than repeatedly stating that Popular " can close any account to any person for any reason at their discretion ''. I then requested that XXXX XXXX have his supervisor call me which he said that he would do by no later XX/XX/23. I still have not received a call or email. Popular has had my funds since XX/XX/23 and still have not responded back to me. This has caused tremendous stress and sleepless nights as I am not receiving any communication as promised and their act in my opinion has been discriminatory and reckless. Please help. Thank-you.
12/16/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PR 009XX	Web
I was pre-approved for the loan with " No Conditions '' by Banco Popular then after paying the Non-Refundable Deposit to the seller ; the Bank Loan Agent ( XXXX XXXX XXXX ) forced me against your will to make a payment to a third party ( not related to the loan ). They asked that I showed them I had been in dispute with them for over a year and to give all supporting documentations, I did so and sent them dozens of pages via email. The Bank ( XXXX ) then told me I was cleared to get the loan without having to pay this debt. However, only a few days after I paid the non-refundable deposit to the owner of the property, I was told if I didn't pay the debt in dispute I would lose the deposit, AND they would deny the Loan ( after being pre-approved with no conditions prior ). The underwriting team and XXXX told me that I was approved and would not have to pay this debt, I had no intention of paying a debt that had been in dispute, that was not mine, it was for a company I once owned and should have been agains the entity, but The Bank further stated if I did not pay the $ 18K+ debt immediately, the Bank would deny the loan and I would lose my $ XXXX deposit that already paid to the owner due to the time constraints in the purchase agreement of the home. I was very clear in emails and calls to the bank that I would not pay this $ XXXX deposit to the owner of the home unless I was sure I would be approved WITHOUT having to pay this non-related debt in dispute, they assured me several times that with my great credit score and income I would have no issue, they approved the loan with no conditions, then after paying the $ XXXX Deposit The Bank extorted me into paying a debt unrelated to the transaction. I would have NEVER paid a disputed debt unrelated to my personal finances if the Bank did not extort me to do so. It's apparent the loan officer was merely trying to close this deal, sold me on something untrue, and earned my trust to only put my back against the wall as she knew I had NO choice but to be forced to pay it or I would lose the home and the $ XXXX deposit to the owner. Furthermore, I have tried to fight this with my bank that is stateside, they have denied me many times, I am in Puerto Rico, I am working on filing a police report, and the police department also here made me feel like the harasser and would not allow me to file after a visit to my home and after I visited the police department they refused to allow me to file a police report so that I could at minimum receive temporary credit while I continue to dispute the transaction. XXXX XXXX by law is required to give a temporary credit and they have also refused to do so, I can not afford to get an attorney for this, I sincerely need some help please! Sincerely, XXXX XXXX
04/11/2017	Yes	Credit card	Closing/Cancelling account	MI 48335	Web
What has happened to common sense and integrity? I have an XXXX miles card in my name opened in XXXX 2017, through Banco Polpular de Peurto RIco. -XXXX, 2017 the risk control department placed a restriction on the card and requested a copy of my passport and XXXX utility bills. I requested why and XXXX explained the IT tech department can not identify my address provided on original application ( XXXX Mi. XXXX. ( This address does confirm on my credit reports as a current address ). XXXX lied, she deliberately provided me with false information. However, I want to stress it is not XXXX fault for lying, as this is the standard procedure of Popular Banco -The truth is ; a Risk Control employee believed my account was opened as a result of identity theft. The problem is ; Some employees ( particularly the ones with a low self- Esteem or insecurities do not like to admit they were wrong. Further facts : 1. A risk Control employee requested I answer numerous security questions to identify me. I answered approx.. XXXX correctly and without hesitation. 2. The email used is my email, in my name and has been active for years 3. Banco Popular de Peurto Rico 's, risk control department decided to call an alternative phone number, I did NOT authorize and not provided on my application, therefore reached a family member who I do not get along with. This family member provided the Risk Control rep. with false information, but has never provided documents to support their identity. 4. Alternately, I have provided every document requested and more not required for the purpose of clarifying this issue immediately. 5. As of XXXX 2017 the restriction continued although all documents have been received weeks ago. THIS NEXT ISSUE IS VERY INTERESTING : 6. On XXXX 2017 I contacted the Risk Control department again. They placed me on hold for 20 minutes, a few minutes later the alternative number at my home rang, but this time I am home and watching my brother-in-law who would not answer it with me around for obvious reasons. The risk control rep. came back on after the lengthy hold, I figure I would play along to see how many more lies they tell. Like clock work, the lies began again. The Rep. said another risk control agent would get beck to me later that day. 7. Therefore, I decided I have had enough and requested a cease and desist order. I informed the rep. all future dialogue was to be done through email, USPS, XXXX. So all facts going forward where clear. I also emailed them this request. ( attached ) Additionally, since Popular Banco de Peurto Rico believes this account is or could be the result of identity theft, why are they reporting it to the credit bureaus?
03/09/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	PR XXXXX	Web
Using as reference the complaint XXXX supplied on XX/XX/XXXX where it was referred to the REGULATOR FTC, I wish to point out the following because I understand that there were a series of hidden events in this transaction between the XXXX, XXXX XXXX XXXX XXXX and possible employees who made this fraudulent request thinking that perhaps because I was a co-signer, they could offer or sell a vehicle to a person who was requesting it but needed a co-signer. I wish to point out that the letter received does not specify anywhere that this server has authorized to be a co-signer of any. It does not appear or calls made and I do not know the names of the people who are in this type of transaction because I consider it a fraud or theft-sign that they have made in an office that I do not know where it is. I am greatly concerned about this situation that has affected me even emotionally because I am a person who has been classified medically and with evidence that I suffer from major XXXX and emotional events beyond my control. I understand that I have not made any type of transaction requesting any vehicle in addiction I can not be a co-debtor and authorize them to investigate my credit because I am clear that I would not qualify, but the event only interested and I called different vehicle dealers but at no time and so on I specify it, they will use the Banco Popular de Puerto Rico for financing and it was mentioned to the person that in any case I would use a Cooperative if I so desired. But this never authorized it. The person did it by " motus proprio ''. I consider that this was an unfair practice to me and contributes to the mistrust of these financial entities. I hope that the FEDERAL TRADE COMMISSION takes action on the matter. I hope and point out the points that the FTC must evaluate in this situation. XXXX FTC 's XXXX of XXXX XXXX XXXX XXXX, deceptive and fraudulent business practices by collecting reports from consumers and conducting investigations, suing companies and people that break the law, developing rules to maintain a fair marketplace, and educating consumers and businesses about their rights ... XXXX. Established by the Federal Trade Commission XXXX XXXX XXXX XXXX, the Federal Trade Commission XXXX FTC XXXX regulates advertising, marketing, and consumer credit practices and also prevents antitrust agreements and other unfair practices. XXXX. Criminal prosecutions are typically limited to intentional and clear violations such as when competitors fix prices or rig bids. The XXXX XXXX imposes criminal penalties of up to {$100.00} XXXX for a corporation and {$1.00} XXXX for an individual, along with up to 10 years in prison.
04/03/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	PR XXXXX	Web
-On XX/XX/XXXX I went to a Restaurant, XXXX XXXX XXXX XXXX ( XXXX XXXX ) and had dinner with friends. I payed the check including tip for a total of ; {$100.00}. Days later reviewing my account statement I noticed a charge not authorized, from the same restaurant of {$87.00}. -On XX/XX/XXXX I submited a claim by email and fax with Banco Popular de Puerto Rico XXXXegarding the unauthorized charge to my credit card. -I called 3 times during the last weeks of XX/XX/XXXX since I never received a confirmation of the claim submition. No information was provided to me and the agent asked me to call again in a few days. -The first week of XX/XX/XXXX I called and talked to a service representative and told me that the claim was in process and FINALLY gave me a claim number. They asked me to allow 90 days to complete the claim. -On XX/XX/XXXX I called and talked to XXXX XXXX and referred me to the Fraud Department. My called was trasfered to XXXX XXXX. i explained the situation and told me that she was not able to help since the person in charge, or any supervisor whatsoever, was not available at athat time. She took my phone number and agreed to call back with informationi. Never called back. -On XX/XX/XXXX I called again to the Fraud Department and talked to XXXX XXXX . She agreed to check the information with the assigned investigator ( XXXX ) and call me back the next day morning. Never called back. ' -On XX/XX/XXXX I called again to the Fraud Department and talked with a service representative. After asking more than 3 times I was finally transfered to the investigator assigned to the case ; XXXX. He informed that had no idea why the claim took so long but it was being resolved during our call, and I should receive a credit to my account during the next 24-48 hours. Two weeks passed by and no credit was reflected on my account. -on XX/XX/XXXX I called again to the Fraud Dept. and talked to XXXX XXXX who said no supervisors where available to assist my call/situation. She asked me to call the next day during XXXX and XXXX to talk with the supervisor ( XXXX XXXX ) -On XX/XX/XXXX I called again and asked for XXXX XXXX . XXXX XXXX, who answered my call, told me he was on in a meeting and not available to assist me. After insisting for more than 5 minutes to talk to a supervisor, I was transfered to XXXX XXXX. He told me the claim was completed and I should be a credit on my account in the next 24-48 hours. Same thing that I was told on XX/XX/XXXX. After more than 140 days I am still waiting for the resolution of my claim and the respective credit. Hours of my time spent for an authorized charged of XXXX dollars and XXXX cents.
11/22/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CO 809XX	Web
Received a pre-approval through XXXX XXXX for a small personal loan of {$3500.00} at XXXX. Clicked accept offer, and once at the XXXX website, was asked for various documents. Uploaded all of these documents and received a call the next day to go over everything. In addition to my tax return income, I receive over {$800.00} social security XXXX pay month. I provided them my online statements from XXXX XXXX, which is where my benefits are direct deposited every month. Was told this was not sufficient to prove income ( has my name, address, deposits and my manual deposits to my bank account ). Was told they needed my award letter. No problem, I sent that. Was then told they had to have the tax form SSA 1099. No problem, I sent this. Told I needed to provide actual bank statements from XXXX XXXX. I explained that this is a government issued prepaid card, where only government benefit payments can be made. And that the monthly statements clearly show the SSA deposits, my name, my address, the bank transfers ( which they see on my actual banks statements ). Denied the loan. Was initially told it was because they couldn't use that income. Told later that information NEVER SHOULD HAVE BEEN TOLD TO ME. WHAT??? It's my loan application and my income and my denial. I know XXXX is going to supply some canned response that I was denied based on a credit report. Let 's see, a XXXX credit score, 1 percent credit card utilization, no late pays, delinquencies, 2 inquiries in 2 years ( 1 inquiry was from XXXX in XXXX when they did the EXACT SAME THING ) and the other inquiry nearly 2 years old for my XXXX credit card. The adverse action letter says to call the application review manager and lists a number with questions. Called and told there is no way to have any communication with that department or person. They will send a more detailed reason for denial upon my request. I asked again what specific information is not found on the XXXX XXXX statements that would verify the income. Told they can't tell me that, it's an internal thing. This is discriminatory lending as XXXX is refusing to include my SSA XXXX benefit pay as income. I have provided every document available that verifies this income. I asked if we could contact social security via phone to verify. Nope. But they do have the benefit verification letter yet and still this is not sufficient!? Funny, they pulled my soft inquiry to offer the loan last night. And that's STILL ALL THEY HAVE PULLED. NO HARD PULL HAS BEEN DONE, THAT'S HOW I KNOW IT HAS NOTHING TO DO WITH MY CREDIT REPORT. But I will bet when this complaint reaches them, a hard pull will suddenly appear.
06/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91606	Web
Re : XXXX XXXX, Popular Banco XXXX Credit Card ending... XXXX This bank is also doing business under these names : Banco Popular de Puerto Rico. XXXX XXXX ( XXXX ) ; XXXX XXXX XXXX. XXXX XXXX, PR XXXX XXXX. Popular Bank. Customer Care Center ; XXXX XXXX XXXX Telephone : XXXX ; Mail : POPULAR CREDIT SERVICES Card Products Division XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX PR XXXX XXXX. E-MAIL XXXX ... XXXX XXXX XXXX. XXXX XXXX PR XXXX XXXX. BANCO POPULAR DE PUERTO RICO. XXXX XXXX XXXX. Popular credit services- Disputes Resolution XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX. Dispute Department. po box XXXX. XXXX, TX XXXX XXXX. XXXX XXXX XXXX. XXXX, GA XXXX XXXX. XXXX Consumer Solutions. XXXX XXXX XXXX XXXX, PA XXXX Please be advised that Im exercising my rights as spelled out by the Fair Credit Reporting Act in Section 609 and Section 623 ( e ). I am requesting the following items on my credit report be updated to reflect the fact that this Bank has defrauded the above-named agencies by providing false and defamatory information regarding missed payments and late payments associated with this account. I have been in contact with this bank numerous times and have even frozen this account and they too closed it yet still they applied unauthorized charges, to which they have added interest and late fees but worse of all they have gutted my CREDIT over the total amount of {$130.00} the majority of which is fees and I made them reverse the charge on the unauthorized purchase that went through when it should have been rejected. They are a predatory lender. They need to be stopped. But right now I need these criminals to stop destroying my credit. XXXX complaint # XXXX Popular Banco, XXXX, XXXX XXXX Credit Card ending in ... XXXX Please remove all derogatory ratings and records reported by the above credit card company from my credit reports and please block them from reporting any further negative credit reports from this credit card as this card should have been permanently closed for over 2 months now. HERE IS AN EXAMPLE OF JUST ONE OF MY OTHER CREDIT CARDS THAT HAVE BEEN AFFECTED BY THIS ONE CRIMINAL ORGANIZATION : Dear credit customer, Were committed to keeping you informed about changes to your account, so were notifying you of a recent credit line decrease made on your account ending in XXXX. Weve decreased your credit line to $ {$8000.00}. Youll find specific reasons for this change below : The credit reporting agency has reported a recent credit delinquency. The physical address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and another name they have used was XXXX popular.
08/11/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00603	Web
I moved to PR and start working from home. I open an account in Banco Popular to use it for my Direct Desposit from my work. Unfortunately when I was setting bank information with my employer I put the wrong routing numbere so the have to overnight me a check for {$510.00}. On XX/XX/XXXX I deposit the check in the ATM machine. I come from XXXX XXXX so I was expecting to see in my account {$510.00} pending but I dont so I call Banco Popular customer service line and they explain me that should take couple days do see the whole amount reflect in my account. They said I should see {$220.00} first and then the rest. I call monday XXXX first because I dont see nothing reflect in my account. They explain me that I need to wait until Wednesday XX/XX/XXXX. I wait and I call back Thursday the XX/XX/XXXX and they explain me that at that point your check should be reflected in your account if not is because theres an issue with the check and they explain that I need to wait until Wednesday XX/XX/XXXX to receive a letter explaining why that happen. On Wednesday XX/XX/XXXX around XXXX I received a call from the bank branch in XXXX XXXX asking me where that check comes from and other questions to apparently be able to verify the check. After she make all the quations the branch agent told me that she are going to told the supervisor and see if the check was good to deposit. She promise me to call me in the afternoon but unfortunatelly she never do. Looking for information and talking with my uncle wich is a CPA and a cooperative bank executive he explain me about The Funds Availability and Check Collection Act ( Regulation CC ) of the Federal Reserve ( Not sure is the translation is correct ) and he told me that American financial institutions have no more than 5 days to clear a check doest matter where the check come from if not they are incurring in violations against this regulations. Today XX/XX/XXXX the bank just make available {$220.00} from my {$510.00} check, after XXXX work days from my original deposit, in clear violation of your regulations. I call customer service and explain this regulation and customer service transfer me to the complains department. The complains department admit that the branch did wrong and call the branch for mor clarification unfortunatelly the manager was not there at XXXX am so a branch agent provide him the personal phone number of the manager. He call the manager but unfortunately he didn't answer the call. After all those fails tries he file an internal investigation against the branch because clearly is taking way too much time to get the money I worked to my account.
07/20/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00926	Web
I had a checking account with Doral Bank located at XXXX XXXX XXXX XXXX since XX/XX/XXXX. On Friday, XX/XX/XXXX, Doral Bank, XXXX XXXX, PR was closed by the Commissioner of Financial Institutions of XXXX XXXX, and the Federal Deposit Insurance Corporation ( FDIC ). My Doral Checking account was later assumed by Banco Popular de Puerto Rico ( BPPR ). " The acquiring institution '' Per their website, XXXX. The conversion of the BPPR and Doral was completed a few months later. According to the FDIC, it is assumed that the fact that the deposits are transferred to " the acquiring institution '' does not affect the day to day banking operations. However since the conversion made I have NO access to the funds nor make or generate any transaction at all. Apparently, " The acquiring institution '' had an incorrect address on their systems, unable able to send notifications, including a complete kit with the new account number, cards, and a " PIN '' required for the web registration. On my several attempts to the customer service center, I have explained that I 'm currently living in the U.S ; however, I retain a local address in PR. This is exactly the same address that I have been receiving mail from Popular Mortgage, a division of Banco Popular, PR. For an unknown reason the bank could n't match this address. It 's been four months since I started communicating to BPPR that I require access to my checking account to receive the proceeds of the rents of a property retained in PR as well as to pay the mortgage associated with this property financed with Popular Mortgage Inc. ( now 4 months past due, with all the funds sitting in the account ). I have provided the correct address several times and I believe that their systems are finally updated. However I still need to receive the information associated with the checking account. All of the customer service representatives that I have contacted insist that because I 'm not residing in PR I 'm not allowed to receive an account number or PIN to validate. In the meantime my mortgage continues to fall. I demand that " The acquiring bank '' ( 1 ) send me a complete kit of the new account assumed, as well as any cards and PIN or information needed to be able to register on their website to generate transactions. 2 ) make any adjustments required to any of the ( XXXX ) Credit Reporting Companies, that could be negatively affected by " The acquiring bank ''. 3 ), cease and desist any written or verbal communication from Popular Mortgage Inc. asking mortgage payments while the funds are clearly sitting on the account for over three months now.
04/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PR XXXXX	Web
I checked my credit report and found that banco Popular of PR XXXX at XX/XX/XXXX appeared on accounts with adverse information in my XXXX credit report with inaccurate information the balance is inaccurate, the account was paid in full by the XXXX XXXX, and the banking institution received the property and they sold the property and received the payment of the sale and additional retained the downpayment that I make of 20 % of the cost {$40000.00} and the payments that I made since XX/XX/XXXX to XX/XX/XXXX and the payments that I make for insurances policies, maintenance, repairs, tools and equipment, stoarge and transportation and additional they retained {$26000.00} final payment of one of my certificate of deposit that never returne the amount to me inaviolation of the agreement after natural declared disaster XXXX Hurricane XXXX when they only gave me m months of moratorium in payments, they requested insurance policy renewal, they devaluate the property {$60000.00} less without any appraisal and manipulated the appraisal that they paid that contain different values of the property depending if I voluntarily return the property to the bank, if the property was repossess or if I keep the property and pay the debt. They discriminated against me they give me less favorable terms than other applicants and they offered non clear, misleading and fraudulent information in refinance transaction in XXXX when I went to the bank and let them know to XXXX XXXX and XXXX XXXX XXXX that I lost my divorce case and the money that I was expected and can't continue with the property and the loan and both denied me any solutions more than a refinance in balloon loan to favor the banking institution and did not notified me that they will take the down payment and all payments done. I would like to request for my intimacy and privacy right that this account will b remove because the account was paid more than full and they said it was charge off when they received all monthly insured payments, they sold the property and keep the money of the sale and keep the money that I paid and keep additional money of my certificate of deposit in a violation of banking regulations and discriminations against me. The account was reported inaccurate balance and I am natural declared disaster and declared disaster survivor, they commit serious regulations violations and depredatory acts against me. They are reporting this in a retaliation act against me and I received continuous loans denial due to inaccurate information reported.
10/04/2022	Yes	Mortgage VA mortgage	Closing on a mortgage	OK 74136	Web	Servicemember
First Name : XXXX Last Name : XXXX Title : XXXX Retired Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : OK Zip : XXXX Telephone : XXXX Email : XXXX VA facility or office involved : Selling VA Financed home in XXXX XXXX and appraisal department of buyers bank won't follow the law concerning the solar electric system and battery backups into loan appraisal. I have showed them the new law and gave them contact with lead engineer at XXXX XXXX information verbal and email. Alleged legal or policy violation ( s ) or other misconduct : They are not following current law applied to my situation of including solar electric and battery backup system into loan appraisal amount from the appraisal department of buyers bank ( Bank Popular ). buyer is also seeking VA loan to purchase my property. They have been approached at least five times to fix the situation at their bank appraisal department. They finance homes and approve sales everyday with other persons that have solar systems into appraisal so why are they not applying law to me and my situation. Emails from XXXX XXXX : That document is completely obsolete. They have to update that information as soon as possible because that is completely incorrect. Look for Law 17 of the Public Energy Policy or call the nearest Net Metering office or the OGPe offices for them to send you all updates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX Please call our professional engineer XXXX XXXX at XXXX for further information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX Effect of the wrongdoing, such as dollars lost, delay produced, etc. : Cost me my contract amount with the buyer. {$440000.00} and the bank appraisal department accepts only {$370000.00} appraisal without solar electric/battery backup system figured into apparaisal.. All documents have been provided and solar system/battery backup have met all government rules, laws and regulations which have been provided to them by me and my realtor XXXX XXXX phone ( XXXX ) XXXX XXXX : XXXX I can provide the new law regulation document Date ( s ) when the event ( s ) occurred : XXXX XXXX Names of wrongdoers : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ext. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX for VA ) ( XXXX ) XXXX email : XXXX XXXX XXXX email : XXXX Names of victims : XXXX XXXX I am XXXX XXXX and can't ytake anymore.
06/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	IL 60107	Web
On XX/XX/XXXX, I received a notification from my credit monitoring service that my BPOP credit card was in settled status. I had no idea what it meant and I was slowly paying off their credit card. Once I learned its a negative status I called BPOP at XXXX ( XXXX ) XXXX on XX/XX/XXXX, where I was told that the account is closed and that I should call XXXX. Note, on the website the account still shows as open and active. I called XXXX and eventually talked to a supervisor XXXX, who said a notice to me they have a record of a notice being sent and that account was closed a year ago. I never received that notification so I am not even sure if I was paying on a closed account all that time, but the settlement notification did not show up on my report until XX/XX/XXXX. I never received a letter or a call from anyone so I could not even attempt to resolve this item going into 'settled ' status by simply paying it off. I certainly did not know the account was closed for that long. When I pointed it out XXXX said there is nothing they could do and gave me a phone number to another 3rd party ( XXXX ). I did indicate that she is forcing me to call multiple agencies and whether there is really nothing else, they can do. She said no. To add additional wrinkle to all this, after a call got disconnected, I called back to get the remaining details on the account ( date closed, amount owed and date the notice was sent ). A different representative ( not XXXX ) indicated that the account was closed XX/XX/XXXX, amount owed was {$1400.00} and notice was sent XX/XX/XXXX. Needless to say, I noted the discrepancy in dates ( recent closure and notice ) provided by XXXX and requested to speak with XXXX again, but she was in a meeting already according to the representative I was talking at the time ( XXXX XXXX ). Something clearly went wrong, but I am not even sure what or who is to be blamed for this issue. More annoyingly, no one seems to know exactly what happened. I keep getting a run around and the information provided by different representatives is contradictory so I am not even sure who to trust in terms of information. All I know for sure is : I got a ding on my credit report and it was a surprise, because the amount I thought was a balance on credit card is now a 'settled ' balance. I did not settle with BPOP ( BPPR ) and I did not receive appropriate notification from them. I did not even receive a call.
12/04/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR XXXXX	Web
I 've been for more than one year now in loss mitigation process initially through Doral Bank ( XX/XX/XXXX ) and after Doral Bank takeover, now with Banco Popular de PR, with no results nor alternatives for my situation. The original Loan was made through Doral Bank ( Loan # XXXX ) in XX/XX/XXXX and currently handled by Banco Popular de Puerto Rico ( Loan # XXXX ) since Doral Bank 's takeover. Therefore Banco Popular is presently Servicing Mortgage Loan # XXXX, as servicer for XXXX XXXX Bank, NA. At the same time I was in the Loss Mitigation Process I was sued and summoned for foreclosure by Banco Popular de PR. As Banco Popular explained to Mediation Court, they work both processes simultaneously. Also Banco Popular informed at the Court, that they can not provide any alternatives for my case because XXXX XXXX does n't provide any alternatives for Loan modifications or Deed in Lieu for XXXX XXXX area. Therefore I wrote a letter to XXXX XXXX directly because I want to confirm that XXXX XXXX does n't offer any Loan modification alternatives for XXXX XXXX as it does in the XXXX. I contacted by email XXXX XXXX XXXX XXXX, ( XXXXXXXXXXXX ) about my case and proposed XXXX alternatives but as of today I do n't have any answers. I decided to contact XXXX XXXX directly because the servicer, Banco Popular, has been erratic and uncoordinated and never presented formally options and/or alternatives. As of today I 've never received any written decisions on my case although I 've been constantly supplying and updating requested forms and documents. Now that I 've been in court for the last four months, Banco Popular informs the mediation court that XXXX XXXX do n't offer Loan modification alternatives. I 've been trying to sell or rent the property for the last XXXX years through Realtors with no success. Loss mitigation has appraised my property in XXXX different occasions ( every six months ) but I 've never received any information about the property value. Realtor 's inform me that comparable sales in my area are very far under my outstanding balance, due to the high increased in real estate owned properties in my neighborhood. I proposed a Deed in Lieu or a Loan modification increasing my term to 30 years ( presently I owe 14 years ) reducing my monthly interest at 6.5 % and forbearance in balance in arrears, but unfortunately Banco Popular informs the court they can not help me because of XXXX XXXX.
12/27/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 34787	Web
I would like to file a complaint against XXXX XXXX XXXX. In early XXXX, I called to dispute charges that were made by my husband without my prior consent, as we were going through a separation. The charges were made at XXXX XXXX XXXX, XXXX and XXXX XXXX, and totaled {$4500.00}. I was given a provisional credit while an investigation took place. On XX/XX/2018, I was informed by the XXXX XXXX XXXX investigation team that since the charges were made by my husband, who was an authorized user at the time, it was considered " friendly fraud '', and that unless I was willing to file criminal charges, I would be responsible for the purchases. Since I did not want to press criminal charges against my husband, I was informed that the provisional credit would be reversed and that the charges would appear on my next billing cycle. I was informed by XXXX XXXX XXXX that the funds would be released to the merchants in 7 - 10 business days. My husband continues to have accounts with the aforementioned merchants, who informed him that after I disputed the charges, the monies were taken taken away. When I was rebilled, the monies were never returned to the merchants. I have called XXXX XXXX XXXX numerous times, and each time, I was told that the merchants need to call their bank to have the funds released. I was also told to show the merchants a copy of my billing statement proving that I was rebilled. Despite this, the merchants still have not received the monies owed to them. I have repeatedly requested to speak with a supervisor from XXXX XXXX XXXX dispute department, and each time was denied, as I was told that there was no supervisor available to take the call. Each time, I requested for a supervisor to call me back on my cell phone, with the promise that a supervisor would return my call within 24-48 hours of my request. My last request was on XX/XX/XXXX, and I still have yet to receive a phone call. In addition, the merchants continue to tell me that they still have not received the monies owed to them. XXXX XXXX XXXX has been charging me interest on the rebilled charges since XX/XX/XXXX. In essence, I am paying twice for purchases originally made in late XXXX/early XXXX. I request that either the monies are sent to the merchants or that the charges be credited back to my account. In addition, I request that the interest charges on these purchases during this time be refunded.
12/11/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NC 287XX	Web
Per XXXX XXXX Visa Card Terms and Conditions. ... You authorize us to either use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. Mailed payments are credited on the same day received if they are received by XXXX XXXX. XXXX Monday through Friday ( excluding holidays ). Electronic and telephone payments are credited on the same day if they are received by XXXX XXXX. EST Monday through Friday ( excluding holidays ). We may apply a credit line availability hold condition to your Account in the amount of the payment until your check or other payment instrument has cleared. The result of this hold is that the credit line availability resulting from a payment to your Account will be delayed. The payment will be applied to your Account on the date we receive it in accordance with this section. We may take up to 5 business days to process any credit of other payments that do not meet these requirements, during which interest will not accrue. We may accept and process late, partial and payments marked as paid in full without losing our rights under this Agreement. If your payment is reversed due to insufficient funds or a returned check, we will apply a credit line availability hold condition to your Account and you may lose any special APR offers. The result of this hold is that the credit line availability resulting from a payment to your Account will be delayed for 7 calendar days after the payment is processed. The hold condition will be canceled after 6 billing cycles where no other payment reversal event takes place. I submitted my most recent payment on XX/XX/2018 at XXXX. After the XXXX deadline for the credit to be issued the same day which is fine. The Payment cleared my XXXX XXXX checking on XX/XX/18. Today is XX/XX/18 a full six days after the payment has cleared my account and I STILL HAVE A HOLD ON MY ACCOUNT. Banco Popular Called me yesterday to tell me that the hold conditions apply to my account without giving any explanation. Previous representatives have told me that for the next six billing cycles every payment I make will be on hold for 7 calendar days after the payment has processed. I have never had a payment reversed, therefore, that stipulation does not apply to me. I have complied with the terms and conditions and am not receiving fair treatment.
08/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10456	Web
I would like to let you know the emotional support and trauma I experience from the popular bank. I opened an account with them, and I later saw that their banking system did not meet my expectations. After one month I called them to close my account and they insisted that I must pay XXXX dollars to close my account. I never seen where someone wants to close his or her bank account, he will be charged to close you an account. This is fraud and not a business integrity. I called them several times to close my account. They refused until I paid XXXX dollars, they later closed my account without me paying the XXXX dollars, but they frustrated me, embarrassed and harassed me with illegal charges and I don't deserve it. I think they are requesting XXXX dollars because of my race or origin or tribe. I can see a discrimination. They get upset and refused to close my account because I am leaving them. I told them on the phone if they refused to close my account and remove these XXXX dollars, they are charging me illegally that I will report them to government they hanged phone on me until I went to their store and insisted that they will close my account before they finally close it. This brought me a lot of anxieties. They cant discharge my case or get away with their bad way they treated me because they harassed me with XXXX dollars I dont own them. They are not honest, they saw that I am low-income individual, and I am struggling, and they that are wealthy are forcing me to pay XXXX dollars I dont owe them because I decided to leave the company then they get upset for nothing. Even if it's a new account no one pay to leave a bank and I have right to leave the bank if their banking system doesn't meet my requirements. They can't get away with their bad treatment on me and I will never agree about the way they bullied and harassed and threaten to pay XXXX dollars and they must tell they government what they did to me and how they treated me on the phone to pay XXXX dollars on the phone to close my account, I cried all week because of this harrasement. I will never agree or let this go and they can't deny it because our conversation was recorded by them several times, I called them requesting to close my account and they insisted that I must pay for XXXX dollars. This is fraud. They wealthy already and want to get XXXX dollars from me who is struggling to survive.
08/11/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	PR 00926	Web
This past XX/XX/2021, I was forced to file a complaint against Banco Popular de Puerto Rico in relation to a mortgage loan. In short, the bank miscalculated the monthly payment amount and refused to correct it despite my best efforts to get them to do so. In the meantime, I continued to make the payments as indicated by the bank despite having informed them that the amounts billed were incorrect and after having to file a complaint with CFPB because of it. On XX/XX/2021, Banco Popular 's XXXX XXXX XXXX XXXX, Escrow Analysis Supervisor, Mortgage Servicing Division, replied to the complaint indicating, among other things : " We apologize for any inconvenience this situation may have caused you and trust that this response addresses the issues presented in your complaint. BPPR carefully reviewed your allegations, as well as its own records, and determined to reimburse the amount of {$570.00} related to payments you completed in XXXX and XXXX associated to your mortgage insurance. [ ... ] We trust that the preceding response addresses the issue presented in the referenced complaint. Should you have any further questions, please do not hesitate to contact the Escrow Administration department at ( XXXX ) XXXX. '' ( See copy of BPPR 's response attached. ) Based on the said response I, in turn, indicated that, subject to verifying receipt of the reimbursement check, I was satisfied with the same. The complaint was closed. Since then, 34 days have passed and I have not received the reimbursement check. I tried reaching Ms. XXXX XXXX XXXX XXXX at the number provided in her response but it turns out that number is for a fax machine at the bank that no one answers. The number provided is a " dead end ''. After much time and effort navigating through customer service and even the legal division and executive offices of the bank, I was able to leave a message for Ms. XXXX and she eventually called me back. She indicated she does not know what happened and that she suspects the check got lost. However, during that same time I have timely received notice of the payment due on the mortgage at the same address listed for the account and to which the check should have been and was allegedly addressed. ( See attached. ) I am yet again forced to file a complaint due to the bank 's inaction and obstinate refusal to address and correct their own mistakes.
07/13/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PR 00953	Web
I purchased an item on XXXX that arrived DOA or dead on arrival, it was simply defective, didn't work. I filed a claim through XXXX. But, because of misinformation I was given, I closed the claim thinking I could reopen it on a later date. However, when I contacted XXXX to reinstate my claim, I was informed that the " system '' would not allow it as I had been led to believe by one of their representatives. XXXX apologized and told me that I was still able to proceed with a claim through my bank. As instructed, on XX/XX/2018 I filed a claim ( Num. XXXX ) regarding the mentioned transaction with my bank. However, I found out today that in XXXX, my bank had sent me a letter informing me that my claim had been closed. The bank closed the claim founded on the fact that I had not provided proof that I returned the merchandise. Nonetheless, since the day I filed my claim, I informed the bank that, under the circumstances, and according to strict and completely clear XXXX policy, the seller was obligated to send me a prepaid shipping label if he wanted the merchandised returned. I explained to my bank that it could not interfere with my sales contract. I stressed that I had taken all the possible measures to inform the merchant of his obligation to supply the mentioned label and he chose not to fulfill said obligation. I also stressed to the bank that any interference or changes insisted upon concerning the terms and conditions of the sale, was unlawful. Specifically, I explained to the bank that they are a third party to my transaction and that obligating me to cover the cost of the return shipping and therefore, relieving the seller of his responsibility, constitutes an infringement of the contract which the seller and I voluntarily entered with regards to the sales terms and conditions governing transactions entered through XXXX. In sum, the bank 's pressure to force me to act contrary to my contract is an extra-limitation on their part. They are not a party in this transaction, period. The bank just served to facilitate a payment. Now, under the circumstances described, I am instructing the bank to reverse the payment. As I have said, the bank is unlawfully interfering in my transaction, insisting on adding further terms to the sales contract in order to fulfill their obligation.
03/20/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 24060	Web
Good morning! I would like an investigation for Banco Popular of Puerto Rico in the Department of Credit cards VISA ICON, in regards to the account # XXXX due to : 1. That on Friday, XX/XX/XXXX I tried to enter online to verify my credit limit and realized I couldn't enter. 2. That I am a XXXX XXXX and depend on my Credit Score. 3. That I didn't file a claim in 30 days because I paid on XXXX the amount owed in full and left the account in {$0.00}. 4. That I immediately proceeded to call Banco Popular of Puerto Rico and talked to Mr. XXXX XXXX and he informed me that I have an overdue pay of {$680.00}. 5. That I told him that the amount could not be because I haven't used the Visa Icon card since XX/XX/XXXX and I paid the balance at that time in full. 6. That no one from Banco Popular contacted me through phone, email or US Postal Service inform about said charge and my personal information was up to date. 7. That I informed Mr. XXXX that if he looks at my past payments he would see that I have never been late in a payment and that I always pay in full. 8. That the amount above mentioned is not mine and they should immediately proceed to eliminate the charge and fix my Credit Score with XXXX, XXXX and XXXX. 9. That on Tuesday, XX/XX/XXXX I wrote an email detailing the phone call I had with Mr. XXXX on Friday, XX/XX/XXXX and attached the evidence to back the claim as requested by Mr. XXXX. ( VIEW ATTACHED DOCUMENTS ) 10. That on Thursday, XX/XX/XXXX I called Banco Popular of Puerto Rico because they haven't contacted after 73 days an I wanted to know if they eliminated the charge of {$680.00} and fixed the credit score because they never contacted me in any form. 11. That I spoke with Mr. XXXX XXXX, Supervisor, and he informed me that they have not fixed the charge and the credit damage to my Credit Score. 12. That he told me that I should send an email to him detailing everything that I have done and that he would have an answer on Wednesday, XX/XX/XXXX but I have yet to receive a phone call, email or letter in the US Postal Service of said solution. 13. That I called an Agency in Puerto Rico ( DACO ) in regards to said claim and they informed me that to file a claim with them I had to Travel to Puerto Rico because the hearing are there.
12/01/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR XXXXX	Web
In XXXX 2015 I requested and signed with Banco Popular of Puerto Rico to enter the Loss Mitigation Program since I was having some difficulties to pay my monthly mortgage payment. I submitted the documents to the bank as they requested, including XXXX financial statements prepared by an Accountant. Surprisingly when I was in good faith negotiations with the bank, I received a letter from a XXXX attorney and his XXXX Firm that my file was sent to them in order to file a foreclosure lawsuit against me. My attorney called them and explained that there must be a mistake since we were negotiating with the bank under the Loss Mit Program and never received a communication from the bank denying my request. The file was sent back to the bank to continue the Loss Mit Process. I also tried to pay the due amount of the mortgage payments but the bank conditioned the payment that I also pay {$500.00} for the previous lawyer services. I have email evidence of this. The bank sent me an invoice of this legal fees from XXXX XXXX XXXX XXXX a company in the U.S. My attorney called the bank 's XXXX attorney that sent me the letter and he said that the Firm did n't sent an invoice to the bank for such legal services. I have evidence of this. I sent to the bank the due amount monthly payments without the {$500.00} for legal services and the check was returned via mail to me. To this day I 'm under the Loss Mit Program in good faith negotiations, sent already a THIRD financial statement three weeks ago since they wanted XXXX updated and by my surprise I was summoned today with a Foreclosure Lawsuit from Banco Popular of Puerto Rico even when the bank never sent me any type of communications denying my application under the program. I have evidence of the communications by email with the bank, the invoice from XXXX XXXX XXXX XXXX, the application I signed to enter the Loss Mit Program, among other documents. Today I called the bank and the employee that is working my case told me that being under the Loss Mit Program does n't protect me from being sue by the bank in foreclosure. I understand that the Federal Laws and Regulations require that I first need to be notified with a communication from the Loss Mitigation Program denying my case before being sue in foreclosure.
09/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR XXXXX	Web	Servicemember
HI : Mi name is Ms XXXX XXXX. XXXX XXXX married my husband XXXX XXXX during a credit background check on XX/XX/2018 to get our first house noticed an unauthorized account from the financial institution XXXX XXXX XXXX XXXX from my credit report, my husband in my name summit a claim with my authorization to the federal trade commission for identity theft problem, because i dont speak or write in English, just for my safeguard. The claim with the ( report number XXXX ) was made on XX/XX/2018, on XX/XX/2018 my husband and i went to the financial institution XXXX XXXX XXXX XXXX, we explain the institution the problem with the ( account number XXXX ), the institution after checking that account information they said the account number is it an old one that the updated or new account is ( XXXX ), they said the information in reference is it from my mothers and fathers not my, they said the house was foreclosure, we let then know the house was never on foreclose not before or after it was properly sale to my son in law, we let then know why the ( account number XXXX ) it is on my credit report as foreclosure, they said it was a mistake during the process, because my mothers name is ( XXXX XXXX XXXX XXXX and my is XXXX XXXX XXXX XXXX ), with different social security number, we let then know that excuse do not make sense for us, that was their explanation, after that they said they will begin with the investigation, about the issue, but they do not gave us any documentation about when they will fix the problem or how or when they will remove the information from my credit report an fix my credit report or even make a claim hard copied report to us. This issue has greatly affected my husband an myself to get our first house using his VA voucher or Certificate of Eligibility, he is a retired service connected veteran and thanks to the financial institution XXXX XXXX XXXX XXXX an their error on my credit report we can not, until the financial institution XXXX XXXX XXXX XXXX fix it, the only thing we wants is the proper documentation about the full problem and how and when they will fix and remove it from my credit report so we can start the search for our first new house, Thank you for you assistant an hopping you can do something for us ...
03/03/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Opening an account Didn't receive terms that were advertised	NY 11214	Web
I opened a new Certificate of Deposit Account at Popular Bank website on XX/XX/2023 during a promotion. The online application was completed and a confirmation number was received instantly. I began the funding process and the initial fund was withdrawn from my external account into the new CD from an external account within days. I went back to Popular Bank online banking a couple of days after and I realized that I couldnt login to online banking so I called popular bank customer service; I was instructed by the popular bank customer service representative that the external funding account needed to be verified by popular bank that I need to show proof that I owned the external funding account. Within 2 days, the account verification was resolved. I was able to log on to my CD and I saw the initial fund displayed in the CD account via online banking. On XX/XX/2023, I logged on to the Popular Bank online banking and I witnessed the earned interest deposited into the account for the first month. On XX/XX/2023, I tried to log on to my online banking and I realized I was locked out again. I called Popular Bank Customer service and I was informed that my CD has been closed because the account process was NOT completed. I was informed that my signature was NOT received on file. This is infuriating. I was told that the initial fund would be refunded to the funding account. The interest earned for the 45 days duration in the CD would NOT go back to me because the account process was NOT completed. I filed a complaint to the bank on the same call. I received a complaint corresponding letter in the mail today stating that the earned interest is not applicable to me because the account was not completed my opened. I believe this is FRAUD! The account was opened online as a 13 month CD and I received the confirmation number confirming the account was opened. The fund was deposited and interest was earned. The account was verified afterward via a phone call. I logged onto the account multiple times since it was opened and nowhere on the account has any alerts indicating a signature is required nor an closure alert is pending. They kept my money for 45 days and wanted to not pay any interest earned. This is FRAUD. Please investigate!
07/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30092	Web
To Whom It May Concern, This is in relation to my XXXX Credit Card issued by Banco Popular de Puerto Rico, account ending XXXX. My annual membership fee was renewed and posted for {$140.00} on XX/XX/2018. My statement closed on the same date. I called Banco Popular and closed this account on XX/XX/XXXX and requested the fee to be reversed. I paid off the balance ( but not the XXXX $ since this was going to be reversed. The reversal shows as posted on XX/XX/XXXX however, after the account was closed and i paid off the balance, the Bank charged {$1.00} ( on XX/XX/XXXX ) interest on the annual fee that was reversed. This fee should have been also reversed as part of the account closure however the associate may have forgotten to do so or maybe there was a system error. In XX/XX/XXXX i was assessed a XXXX $ late fee, in XX/XX/XXXX $ late fee plus XXXX interest charge. The XX/XX/2018 statement showed a balance of {$4.00}. The account was reported as closed with missed payment and my score has dropped over 60 points which hurts my chances of getting credit due to this bank error. On XX/XX/2018 I made a payment of the maximum amount i could do ( XXXX $ ) in anticipation of more trumped up late fees or interest charges ... This balance is due to bank error, hence I am requesting my XXXX $ refunded via check and the credit bureaus reporting remediated ASAP to show I have not missed any payments and the balance is XXXX and was XXXX at time the account was closed. I have several times attempted to call the bank at the number indicated on the online statements on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Every time i call and tried to select any of the IVR options none go through ( can not get balance or get to a representative, etc. ). I have emailed my complaint to the email on file at XXXX, however I got an automated email saying to call the general phone number ( which does not work ). I have recorded the calls showing attempt to call to solve this in a reasonably manner, however I need help at this point from CFPB since I am unable to contact this bank ... I have recorded all the calls showing desperately attempting to select any of the IVR options and none would work. Thank you!
11/22/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00637	Web
Good morning, I am the daughter of the owner of a property financed through Banco Popular of XXXX XXXX. A summary of this case is as follows. This mortgage was modified on XXXX and after XXXX years of on time payments as agreed we had a dispute on XXXX when modification end. We found that balance was incredibly raised and my dad did an offer to do a Short Payoff. This offer was counter offer by Banco Popular on a communication dated XX/XX/XXXX by a Bank agent. This counter offer amount was {$81000.00}. After this event, I spoke to the agent and request and additional offer submission and her answer was that an additional offer was totally acceptable. Our second offer was submitted and without any bank communication the pending bank counter offer of {$81000.00} was canceled and a month later without any final answer of our second offer the bank called to inform that our case has been closed and that all documents must be submitted again. Further explaining, without any answer from us and without any bank response, the bank closed the case and opened a new case a few months later. The surprise was that increased the cancellation balance from {$81000.00} to {$110000.00}, approximately {$30000.00} more!!! On XXXX months in a middle of a pandemic it can not be justified a sudden balance increase since property value and interests were almost the same amount. My dad taught me that on business the agreements are of great worth. On this bank the rules are its discretion. In addition, the bank explained me that we had 15 days to close. The bank communication sent explain that we had 15 days to communicate and not to close. I communicated with bank the same day and keep communication constantly. I explain further, the bank did not answer emails, no mortgage banks are operating face to face near the clients and no communication with a XXXX is possible neither. Therefore, I demand the return of {$30000.00} that were paid in excess on the process to avoid foreclosure. Please indicate if there exist any remedy for this. Any additional detail required contact me at XXXX. Thanks, XXXX XXXX XXXX
04/20/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 20120	Web
In XX/XX/XXXX I tried calling the customer service numbers provided in my Mortgage statement to make a payment before the late fee was assessed on XX/XX/XXXX. The customer service number was unreachable and kept making the sound as if the line was occupied. I tried making a call to the second number provided in their statement and it is for another business line ( their auto lending department ) of which I was told they could not process Mortgage payments. ( Why have it in the Mortgage statement as a number to make payments if they will not accept them there? ) I again tried making a call to pay on XXXX to which I received an automated message that their offices were closed due to XXXX Saturday. Again tried the other numbers provided and received the same answer related to being a different line of business and they could not accept Mortgage payments. This whole process repeated itself again on Monday XX/XX/XXXX their customer service line was out of commission and again was rejected to accept the payment in the other phone number reason being they are not the mortgage department. I was finally able to process the payment on XX/XX/XXXX by calling their general customer service line, agreeing to a contract for XXXX which is their automated payment process, registering my account which was done by one of their agents and the processing my payment by giving them my checking account number, routing number from my bank and all my other personal information. At which time the late fee was already assessed on my account to which I requested an inquiry process to remove the late fee. However again the customer service number for Mortgage was inaccessible and the agents over the phone told me this was due to a breakdown in that line and that they were aware of the problem and were working to resolve it. However they did not mentioned the remediation that the affected customers would receive for not being able to call in to make their payments on time. To which I am requesting that they remove the late fees for the month of XXXX from my Mortgage Account.
04/29/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	TX 78723	Web
IN XX/XX/2015 MY WIFE AND I TRIED TO REFINANCE OUR HOME WITH BANCO POPULAR OF PUERTO RICO AND AFTER RECIEVING NOTICE OF APPRAISAL FOR $XXXX HAVING THE DEBT AT $XXXX ($XXXX EQUITY) AND HOUSEHOLD EARNINGS OVER $XXXX FOR EACH OF THE LAST 3 YEARS. AFTER 6 WEEKS WE CALLED AND TO OUR SURPRISE WE WERE DENIED OF THE LOAN BUT THEY NEVER WROTE OR CALLED AND THEY NEVER PRESENTED A WRITTEN PROPOSAL FOR WHICH WE HAD A RIGHT TO SEE BEFORE WE WOULD ACCEPT THE PROPOSAL TO BE TAKEN TO THE DECISION MAKERS OF THE BANK STAFF. WE GAVE THE BANK $XXXX DOLLARS FOR THE APPRAISAL AND DOCUMENTATION WHICH WE NEVER SAW. THE OFFICER THAT ATTENDED OUR CASE TOLD US THAT WE WOULD NOT HAVE ANY PROBLEMS WITH OUR CREDENTIALS AND OFFERED BY WORD OF MOUTH TO CLEAR OUR C.C. DEBTS WHICH WOULD BE ADDED TO THE DEBT ($XXXX). IN TOTAL, WE WOULD BE PAYING $XXXX LESS MONTHLY, ($XXXX) WHERE WE USE TO PAY BETWEEN HOUSE AND C.C. $XXXX CAN SOMEBODY EXPLAIN? THEY NEVER WROTE, NEVER CALLED AND WE HAD TO CALL TO FIND OUT. THEY TOLD US THAT OUR INCOME WAS INSECURE BECAUSE WE ARE XXXX????? IT WAS NOT INSECURE WHEN WE PAID THEM FOR 146 STRAIGHT MONTHS ON TIME!!! NOW, BECAUSE WE WANTED TO LOWER OUR INTEREST RATES FROM 6.25% TO 3.75% WITH VERY FAIR CREDIT. IN MY OPINION THEY WANT TO TAKE THE PROPERTY FROM US AND AT THIS POINT THAT IS WHAT THEY ARE DOING. WE STOPPED PAYING THE HOUSE BECAUSE FROM THAT MOMENT ON (XXXX) WE SUUFERED A LOST IN INCOME AND WE TRIED LOSS MITIGATION BUT WITH NO AVAIL BECAUSE THEY TOLD US THAT THE HOUSE BELONGS TO XXXX AND THEY DO NOT DEAL WITH LOSS MITAGATION. WE WENT TO CONSUMER CREDIT, WE TRIED HARP, HAMP, HOPE, MAKING HOME AFFORDABLE WITH NO RESULTS IN OUR FAVOR. THE BANK WAS MENACING US THAT IF WE DID NOT GIVE THEM THE HOUSE THEY WOULD FORECLOSURE LEGALLY, TAKE IT TO AUCTION , SELL AT WHATEVER PRICE THEY CAN AND WE WOULD BE RESPONSIBLE IN OUR LIFETIME OF PAYING THE DIFFERENCE. WE HAVE SUFERRED A GREAT LOST, ALL OUR INVESTMENT IS IN THE WALLS OF THAT HOUSE. WE HAVE SHED OUR TEARS AND WE STILL DO. IF YOU WISH TO CONTACT ME, PLEASE DO XXXX OR XXXX THANK YOU AND XXXX BLESS
02/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PR 00924	Web
I am writing to dispute the late payments that have been reported on my credit report. According to my records, I have made all payments on time and in full, and I believe that these late payment entries are inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), consumers have certain rights and protections when it comes to credit reporting. Specifically, I would like to draw your attention to the following provisions : 15 USC 1681i : This section outlines the procedure for disputing inaccuracies on credit reports. As a consumer, I have reviewed my credit report and identified the following late payment entries that I dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate these entries and remove them from my credit report if they are found to be inaccurate. I also request that you provide me with a written explanation of your investigation results and any corrections made to my credit report. 15 USC 1681b : This section requires that credit reporting agencies only provide credit reports to parties that have a legitimate purpose for accessing them. I ask that you confirm that you had a legitimate purpose for reporting the late payments to the credit reporting agency in question. 15 USC 1666b : This section requires that creditors provide written notice to consumers when adverse actions are taken, such as reporting late payments to credit reporting agencies. I request that you confirm that you provided me with the required notice prior to reporting the late payments to the credit reporting agency. Furthermore, I remind you of your obligation under the FDCPA to provide accurate information to credit reporting agencies. Failing to do so could be considered a violation of the Act and could result in legal action being taken against you. Thank you for your attention to this matter. Please provide me with any necessary documentation or information to assist me in this dispute process. Sincerely, XXXX XXXX XXXX XXXX
11/12/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Credit card company won't increase or decrease your credit limit	MO 64081	Web
I received my XXXX statement dated XX/XX/XXXX when in actuality I received this in the mail on XX/XX/XXXX. My bill was due on XX/XX/XXXX. I noticed I had a charge for the annual fee and saw that my credit limit had dropped from {$7200.00} to {$4300.00}. I do not understand how that was possible, given I pay all my credit cards on time. I never received a letter in the mail indicating the why. I called the number on my statement and every single customer representative told me to contact XXXX since Banco Popular does not handle that. They continuously transferred me to the XXXX XXXX. Which then the airline transferred me back to the Banco Popular staff. After about 1 hour and 30 minutes later, and the 9th person I was transferred too, I asked to speak to a manager at Banco Popular. The representative on the phone who I was talking to clearly decided to say she couldnt here me at all and ultimately dropped my call. I tried to call back and waited 20 minutes on hold with another number that was given to me ; I was given 9 different numbers from all the representatives that I spoke to, I spoke with someone and said I needed to speak to a manager since Ive been on the phone on hold for now almost 2 hours with no resolution and she blatantly told me well I aint those reps, Im someone else. So imma try to help ya out but you dont wan na help me. And then I was disconnected. I was never rude or defiant or disrespectful. I just clearly asked to speak to a manager to find out why my credit limit decreased with zero notification. I logged into my account and there is no letter history indicating that a letter was sent to me. If I knew this customer service was going to be like this, I wouldve never applied for this card. I also do not agree that this CC company holds payment updates for over 15 days. They take your money as soon as you pay, however, they refuse to update the account and report that you have a carryover balance. This is wrong, especially for individuals who are working on their credit. I regret getting this card.
03/15/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Credit card company forcing arbitration	PR 00778	Web	Older American
In XX/XX/XXXX, I entered into a contract with XXXX XXXX XXXX a service provider from XXXX, XXXX. XXXX XXXX XXXX would provide a XXXX XXXX tour with lodging from XX/XX/XXXX XXXX, XXXX. As part of the Agreement, the tour was paid in advance using my credit card Visa Infinite for a total of {$7700.00}. This transaction was registered in my credit card monthly statement on XX/XX/XXXX. Due to the Covid-19 Pandemic, I emailed Minirunuks Events XXXX XXXX XXXX on XX/XX/XXXX requesting that my tour dates be changed. The XXXX XXXX XXXX tour operator accepted my request and changed the tour dates to September XXXX XXXX On XX/XX/XXXX the tour operator made an announcement informing that due to the increased costs to operate that had resulted from the Covid-19 Pandemic there would be a premium charge that would have to be paid before the tour. At this time, I agreed with the tour operator that I would pay the premium charge once I arrived at XXXX for the tour. Since XX/XX/XXXX, the tour operator had been unresponsive after many attempts had been made on my part to seek information on the reservation that had been paid since XXXX. On XX/XX/XXXX, XXXX XXXX XXXX tour operator made what he labeled a Public Announcement on the companys XXXX page informing that they had ceased operations without offering any recourse. On XX/XX/XXXX, I wrote a claim to my XXXX XXXX representative Banco Popular de Puerto Rico XXXX XXXX XXXX ( XXXX ) requesting a refund since XXXX XXXX XXXX did not provide the service that I had paid in advance for and would not respond to my multiple requests for reimbursement. I reiterated my request to Banco Popular de Puerto Rico Card Product Services ( XXXX ) on XX/XX/XXXX. In this letter I explained once again what had transpired with XXXX XXXX XXXX and informed them that I was within my rights to request a reimbursement by Visa according to Dispute Condition XXXX : XXXX Not XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Resolution of the Visa Core Rules and Visa Product and Services Rules.
06/22/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00791	Web
On XX/XX/XXXX I had received a text message from a scammer that I thought i was talking to my step dad. My mom the previous day had provided to me my step dad phone number for me to have because I was going to be somewhere else in PR and for me to contact him in case I could not get a hold of her. My stepdad phone number is XXXX but my mom gave me XXXX. I was not able to contact my mom and I proceed to text my stepdad. Me thinking it was my stepdad he proceed to tell me that he was surprising my mom and the gift he was trying to get her was expensive and he was asking for some help. I proceed to agree and asked how to send the money. He told me to transfer the money and I went to the Bank in XXXX, PR called Banco Popular and took the money out and made a transfer. then the person told me to purchase some gift cards but i was not feeling the situation and I realized something was wrong. I was on my way to meet with my mom and stepdad in XXXX XXXX XXXX and I asked my stepdad what was his number and he provided to me and I realized I was not txting my stepdad and I proceed to explain to my stepdad and mom what had happened. We immediately proceed to go the bank in XXXX XXXX XXXX ( banco popular ) and I explained to the teller what had happened. She advise me to call the bank I went to for them to submit a void. They voided the transaction and I submitted a claim. They return my money back and I was k. A couple of days later I notice they took the same amount out of my account. I proceed to call the bank and they advise me to submit another claim. An average of a week and half went by and I called the bank and they said the denied the claim. Up to last week this scammer has txt me. The scammer even had provided to me another bank account number because he wanted me to make a transfer to another bank. I have provided to Banco Popular all my text message and evidence that was a victim of a scam. I have provided all of my conversation and both numbers.
11/29/2022	Yes	Checking or savings account Savings account	Managing an account Problem making or receiving payments	PR 00725	Web
I made a transfer from my transaction account to my savings account for {$1100.00} on XX/XX/XXXX. The bank did not post the transfer DEBIT until XX/XX/XXXX. The transfer debit was posted AFTER several debit card transaction that were processed AFTER the transfer. They also posted an XX/XX/XXXX bill payment after several debit card transaction made after the bill payment. This caused my transaction account to be overdrawn and the bill payment is now showing as rejected. The bank then placed the entire {$1100.00} that I transferred to my savings account on hold, causing the savings account to also be overdrawn. When I called the bank, they said that they placed the {$1100.00} on hold because my checking account was overdrawn and said they would not be releasing the {$1100.00} hold in my savings account until I covered the overdrawn balance in the transaction account. I explain that I could cover the overdrawn amount in my transaction account if they removed the hold on MY money in the savings account. The representative stated that the bank would not remove the hold in my savings account, even though that hold was on MY money, until I covered the overdrawn balance in my transaction account. I asked to speak to a supervisor. While I was waiting, my wife was able to transfer enough funds into my transaction account so that the account was no longer overdrawn. When I spoke with the supervisor, I was told that they would not be removing the hold, and that I would have to wait until the following business XXXX for the hold to be removed. This is a blatant reordering of transaction processing and arbitrary holds to cause fees. Also, I was misinformed by the first representative RE what I needed to do to get access to MY money. I was told that I had to cover the overdrawn balance to get the hold removed, only to then be told that they weren't going to remove the hold and that I had to wait until some automatic process to run the next XXXX
07/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WV XXXXX	Web	Older American
I am filing a complaint against XXXX/ELOANBPPR for reporting incorrect CHARGED OFF ACCOUNT status to XXXX and XXXX, XXXX of which have adversely impacted my bankruptcy-recovering credit scores and forced me to dispute their erroneous reporting. My bankruptcy attorney ( name and contact info available upon request ) disputed the incorrect charge to XXXX by Certified letter mailed in XX/XX/XXXX. As a result of that dispute, within 30 days, XXXX ruled favorably and deleted the incorrect charge from my credit report ( see documentation ). On XX/XX/XXXX, after being alerted by XXXX that my credit score had decreased by XXXX points, I perused my credit report and discovered that XXXX/ELOANBPPR had reported the same incorrect CHARGED OFF ACCOUNT status to XXXX, XXXX an unpaid loan balance of {$9600.00} ( see documentation ). BACKGROUND INFO : On XXXX, I applied for an unsecured individual loan with ELOAN. The approved loan amount was {$6300.00}. In XX/XX/XXXX, I was targeted and victimized by a clever internet scam-theft scheme that crippled me financially. As a result, I was forced to file for bankruptcy. I retained a bankruptcy law firm which filed a XXXX XXXX in XX/XX/XXXX. All of my outstanding creditor/debts, which included XXXX, were included in that bankruptcy, which was XXXX on XX/XX/XXXX. Since XXXX/ELOANBPPR has reported incorrect CHARGED OFF ACCOUNT status to XXXX and XXXX which has adversely affected my recovering credit scores and forced me to dispute their false reporting, I have every reason to believe that they will eventually report the same incorrect status to XXXX, although currently XXXX is correctly showing that the ELOANBPPR account was bankruptcy discharged ( see documentation ). I have tried to contact ELOAN by calling XXXX, but I am unable to connect to a live person because my contact information has changed since XXXX. I am filing this complaint because I want this unfair credit bureau reporting and harassment to stop!
06/17/2017	Yes	Mortgage VA mortgage	Trouble during payment process	PR 00736	Web	Servicemember
I have a VA Home loan with Popular mortgag e. My property did not paid property taxes on prior years, because I had to wait until the appraisal was made by the Municipality were the house is located. Last year on XX/XX/XXXX the house appraisal was completed, it took almost 6 years. On XX/XX/XXXX I received an invoice by the government office ( XXXX ), I visited their office and requested the aplicable exonerations, the resolution was that my house was exempt, they told me that I had to wait until everything was processed. On XX/XX/XXXX , when printing form XXXX to pay my taxes I realized that in XX/XX/XXXX they paid XXXX in property taxes without issuing me a proper notification. I called Popular Mortgage and they told me to fax them the exoneration documents. After that I called to see if the documents were received and I asked if my mortgage was not increase were the payment came from, they told me to wait and later they told me that there were two payments issued on tax property that I had to wait until my loan was analyzed on XX/XX/XXXX . I called again and I was advised to request a refund. On XX/XX/XXXX I received a letter dated XX/XX/XXXX , which indicates that my loan will increase from {$1000.00} to {$1300.00}, they paid a total amount of {$1300.00} in property taxes. I requested the refund to the government office ( ( XXXX ) and I was told that this might take 14 months. Due PR fiscal situation there is a possibility I might not see this money, so I can repay back the bank, but since they make payment to this government entity every month maybe they can make the adjustment or contact them directly. I am in the middle of this situation, however I was not notified by the bank that they were making a first payment in XX/XX/XXXX , this situation could be prevented with I call and I would have notified them by that time that I was exempt and that paper requesting exemptions were timely being submitted.
03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 328XX	Web
I had a credit line tied to a checking account at Banco Popular de Puerto Rico to at times cover overdrafts. I had used aprox. {$3600.00} of credit which required a minimum monthly payment of {$60.00}. At the time of the payment, end of XX/XX/2022, I was impacted by XXXX XXXX because I live in XXXX, XXXX XXXX, Florida, location that received a direct impact from the Hurricane. The impact affected my ability to secure the payment on time nonetheless, the payment was made a few days later after the funds cleared on my account. The Bank automatically withdrew the payment from my account. After multiple attempts at requesting that the missed payment be categorized as impacted by the hurricane to avoid any adverse effects on my credits, the Bank did not make any changes. The Bank refused without making an explanation, their unresponsiveness and inaction was their action. Because of the Bank 's inaction and unresponsiveness after multiple attempts later, I asked that all my accounts be closed including the credit line. I made sure that all the accounts were in good standing before closing. A few months later, the Bank and XXXX reported the credit line account as being cancelled by the credit grantor. This is incorrect and is affecting my credit score. The correct remark is that the account was closed by the consumer and not cancelled by the credit grantor. After multiple attempts at correcting directly with the Bank and XXXX without producing the correction, I'm left with no other alternative at this point than to submit this complaint. I had the account for over 14 years without having an issue like this. The way it was handled by Banco Popular is contrary to their values of being inspired by most wholesome and basic banking principles. Accurate reporting is a basic banking principle. XXXX has the obligation to accurately report as well. Multiple investigations have not yielded to what is needed in this case, accurate reporting.
02/21/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	OR 97214	Web
The appraisals made to my property under Loss Mitigation in Banco Popular of Puerto Rico as a requirement of the Short Sale program inflate the value of the property and do not follow the requirements established by FHA. Therefore affecting and stopping several sales offers since XXXX. The last appraisal made to my property on XX/XX/XXXX has the following irregularities : 1 ) The same appraiser has been used for the last 3 years. Based on the FHA criteria, a different appraiser must be used. 2 ) The comparables used in this appraisal inflate the price of my property, affecting us to be able to sale the property. Two of the three comparable used in the appraisal were sold under the Rent-to-Own program of an REO property and the third comparable was sold with private financing. These sales may be flawed. In addition, these salse lack much information in the transaction, as well as conditions of ownership and the nature of the business. 3 ) There is a comparable that favores the value of my property but it was not used on this appraisal. No explanation was given as why it was not used. The real estate broker, XXXX XXXX, asked the bank and the appraiser for reconsideration. He refused to review said value. 4 ) FHA requires the bank to dispose of the appraisal no more than 30 days. The bank has taken more than 30 days to have available for the results of the appraisal. All documentation required by the bank was submitted by XX/XX/XXXX. The appraisal was completed on XX/XX/XXXX and the bank provided a copy of the appraisal on XX/XX/XXXX. I have been trying for more than 5 years to be qualified under the Short Sale program. Due to the appraisals made in the previous years, initiated by the Banco Popular de Puerto Rico, the sales have fallen or it has been impossible to obtain a willing buyer to pay what the appraisal indicates. This has affected my credit greatly and I would like to be able to restore my finances.
08/30/2020	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	PR XXXXX	Web	Older American
My father have a problem with Popular Bank in Puerto Rico. My father is XXXX years old, Im his daughter and I suggest to him to open the MyBank app to make his payments, to avoid the process of going to the bank due to the covid situation. Sou, the problem is when I check his accounts, I see some transactions with the name of XXXX, in total 5 transactions in 1 month with the total of {$1300.00}. In-authorize transactions ( the bank at no time call and inform about the transaction with the client ). Sou I decide to investigate, since when my father have this transactions. Since XXXX XXXX my father have this trouble, in total 14 transactions with a total of {$1600.00}. XXXX XXXX {$29.00} XXXX XXXX {$18.00} XXXX XXXX {$70.00} XX/XX/XXXX {$7.00} XXXX XXXX {$25.00} XXXX XXXX {$12.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$75.00} XXXX XXXX {$250.00} XXXX XXXX {$250.00} XXXX XXXX {$250.00} XXXX XXXX {$400.00} XXXX XXXX {$240.00} XXXX XXXX I call the customer service and communicate with fraud department to make a complain and open the process to investigate the situation. The person I spoke with, told me that even if I submitted the claim for 14 transactions, if they determined in the investigation process that if was a fraud they would me refund my dads money 60 days before the day of my claim. I waited for the bank to finish its investigation and the determined they will only return the amount of {$29.00} that was the first transactions, since 13 transactions pass 60 from the first incident. XXXX XXXX I call the bank again to receive and explication about this, and the customer service and the fraud department dont give me and answer. I decide to contact to see if there is any solution to this problem. My father has had all his accounts with Banco Popular ( mortgage, business account, savings account, auto loan ) for years and is not fair that his is treated like that. The reclamation number XXXX
09/09/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	PR XXXXX	Web
On XX/XX/2023 I bought tickets using my recently approved XXXX XXXX XXXX issued by Banco Popular de Puerto Rico. One of the supposed benefits of this credit card is having the first free bag ( and for up to 4 companions ) with each flight purchase using the credit card. Unfortunately, during and after making the purchase in XXXX website I DID NOT have the free bag. I called XXXX customer service and they informed that even if I used the XXXX XXXX XXXX, this benefit is NOT available due to several reasons ( because I am resident of XXXX XXXX, serious issues between XXXX and Banco Popular de Puerto Rico, etc... ). This card has an annual fee of {$99.00} and now I DO NOT have the free bag they offer by having this credit card. I called to Banco Popular de Puerto Rico and they say that they have a " unsolved struggle or a difference '' with XXXX and that a lot of customers encounter that they DO NOT have the free bag they offer. Now I have this credit card with no free bag as advertised and do not trust anymore in Banco Popular de Puerto Rico. They just say that there is a claim in process and that it could take up to 90 days to try to resolve my issue. I consider this is NOT fair. Banco Popular de Puerto Rico has a very poor reputation in the XXXX. I have people near to me that claim having exactly the same issue of NO FREE BAG. I please ask you to investigate this misleading staff of Banco Popular de Puerto Rico and the non-compliance of the credit card terms. Attached you will find the XXXX XXXX XXXX XXXX and Benefits. In addition, you will find the Claim # they created for me with a XXXX wait time to try to resolve the claim. Unfortunately, Banco Popular de Puerto Rico is advertising that this credit card ( annual fee of {$99.00} ) has a free bag benefit but we as customers are NOT having this benefit at the time of purchasing XXXX tickets through the different ways ( online, telephone, etc... ).
06/08/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 24060	Web
Good afternoon! SUBJECT : FOLLOW UP COMPLAINT # XXXX BANCO POPULAR OF PUERTO RICO DEPARTMENT OF CREDIT CARDS VISA ICON, ACCOUNT # XXXX XXXX XXXX XXXX As I informed you in the complaint mentioned above, I called Banco Popular Dept . Credit Cards for the first time on Tuesday, XX/XX/XXXX due to that I couldn't access my account through the computer since XXXX. On that day I spoke with Mr. XXXX XXXX, credit cards supervisor, ( telephone number XXXX XXXX XXXX XXXX ext. XXXX ) and he informed me that he didn't know the reason why I couldn't access my account. He also informed me that the card had be frozen due to a charge made by XXXX XXXX on Wednesday, XX/XX/XXXX in the amount of {$680.00}. I explained to Mr. XXXX that I did not recognize the company nor the amount and that I was objecting the charge ( complaint # XXXX ) because I couldn't access my account through the Internet or through the customer service department. I searched on the internet the regulation the FDIC implements in regards to responding a complaint and their regulation states that the banks have 60 days to respond. I have tried to establish an effective communication through two complaints, speaking to XXXX XXXX in the collection department and, with customer service through phone calls to solve this issue with no results. ( SEE ATTACHED DOCUMENTS ) I also have tried to get in contact with the XXXX XXXX but there is no such company and Banco Popular already knew that. It has been 160 days since the first claim and I have not received any type of notification to eliminate said charge and correct the Credit Score. This is adversely affecting my credit score and my image because on Monday, XX/XX/XXXX I went to an Auto Dealership to buy a car and I couldn't because I was informed that I had a Fraud Alert and a delay in payment on a Credit Card that affected significantly my Credit Score. Obviously, I could not get the car.
06/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	PR 009XX	Web
On XXXX XXXX, 2015 an employee of the Banco Popular de PR 's Consumer Credits Services Division called to my employer phone number requesting to talk with me related to the payment of a " just a few days late '' monthly payment of a personal loan. The name of the employee is XXXX XXXX and he identified himself to the receptionit as an employee of Banco Popular. The same date, I wrote the enclosed letter to the bank ( Banco Popular de PR - Consumer Credit Services Division, XXXX XXXX XXXX, XXXX XXXX PR ) notifying that that any debt collection call should be made to my cellular phone ( that already they have ) because my employer prohibit the origination and receiving of personal phone calls during duty hours and, they were calling me for a personal matter. A few days later, a supervisor of such division contacted me by phone to confirm that he had receipt my letter and provide appropriate apologies for XXXX XXXX 's actions. He also committed, in the name of the bank, to take my request in consideration on the future. However, today XXXX XXXX, 2015, XXXX XXXX XXXX XXXX, without first trying to contact me in my cell phone, called again to my employer 's phone number requesting to talk with me related to the payment of a " just a few days late '' monthly payment of the same personal loan. He directly identified himself as an employer of Banco Popular and use a phone number ( XXXX ) that many people in XXXX XXXX recognized as the Banco Popular 's Collections Office phone number. So, the receptionist again recognized this phone call as a debt collection call and for a second occasion, no matter my XXXX XXXX, 2015 request, the collecting bank disclosure to a third party, not related to the business relation between the bank and I, that I own money and are late in my payments. This actions definitively affect my image and reputation in front of my employer and other co-workers.
08/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	FL 33178	Web
I applied and opened a Banco Popular credit card account on or about XX/XX/XXXX. 2 months after opening the account XXXX with initial credit line of {$15000.00}, with 0 % interest, Banco Popular placed a hold on my account, verified it and reopened it after tow months. The would not allow me to use the card for more than {$500.00} per transaction and every transaction over {$500.00} was always declined, no exception. On or around XX/XX/XXXX Banco Popular let me use over {$1000.00} ( I didn't even noticed it, since I was assuming they will not honor a authorization request if the authorization would pass the initial credit limit. After I received the statement I saw that Banco popular was requesting the minimum payment plus the full over limit amount, which was over {$1300.00} dollars ( I don't remember the correct amount ). That was unaffordable for me and I contacted Banco popular and asked them to either increase the credit line to current balance, so I could just make minimum payments or instead of demanding the full over the limit amount make arrangements to pay with smaller payments. They refused. And since my income was not sufficient at that time to make that large of a payment I was forced to involuntarily destroy my credit standing. After couple of months of reporting my account as late other creditors too, started to lowering my credit limits and closing my accounts, siting sudden score drop. And by XXXX of XXXX most my accounts were closed, even though I paid them every month on time. I have attempted to contact Banco Popular many, many times with requesting statements for the last 6 month before the account was closed and they never complied. I believe this bank is engaged in predatory banking practices. Please help me resolve this issue. Banco Popular is reporting to all 3 credit bureaus as my account being charged off with over {$18000.00} balance on it. Thank you
03/04/2020	Yes	Mortgage Other type of mortgage	Incorrect information on your report Old information reappears or never goes away	FL 328XX	Web
Thank you for the opportunity! In XXXX I bought a house at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Puerto Rico ( PR ) with the bank XXXX XXXX, but Banco Popular de Puerto Rico ( BPPR and " the bank '' ) bought all mortgages from XXXX XXXX. In XXXX BPPR started a foreclosure case in XXXX PR, case number is XXXX. The corthouse website currently say that the case was resolved on XX/XX/XXXX, but that is not true. The bank says it is on a stopped foreclosure while a registral problem is resolved, but there is no registral problem. The bank blame the attorney of the development, Mr. XXXX XXXX XXXX with offices in XXXX XXXX XXXX XXXX XXXX PR, and the attorney blames the bank. XXXX, who works for the bank ( Loss Mitigation ) also told me after she spoke with a XXXX XXXX ( hopefully these are their real names ) that there is a company called XXXX XXXX ( which I XXXX and found nothing ) that is working with that " registral problem '' ... since XXXX! Also that they don't know how long the " registral problem '' is going to take, and that they couldn't give any contact information to me so I can talk to them and ask them why is taking 12 years to resolve that " registral problem '' because " this is an internal process ''. This situation is making me literally mentally sick because this house is not supposed to be on my name after 13 years. I think they are lying to me, hiding something from me, and the worst is that they keep saying the house is mine, of course, because no one is doing their job correctly. I supposedly owe them {$110000.00} and is being on and off from my credit history 3 times so my credit score has been affected 3 times already. Please help me! I tried to talk to a lawyer in PR about suing BPPR for Damages but he never replied. I just want this house to be auctioned and my name be removed completely. Please, help me, I don't know what else to do.
08/08/2023	Yes	Checking or savings account Savings account	Opening an account Confusing or missing disclosures	AZ 85206	Web	Older American, Servicemember
On XX/XX/XXXX, I opened a savings account with Popular Direct Bank. On XX/XX/XXXX the {$500000.00} funds were taken from my XXXX checking account. On XX/XX/XXXX, we were able to log in to our online account and view a statement showing the amount had been deposited into the savings account, and as of XX/XX/XXXX, we had accumulated approximately {$67.00} in interest. Also on XX/XX/XXXX, we were able to open a {$100000.00} CD. That money was taken from our XXXX checking account on XX/XX/XXXX. On XX/XX/XXXX, we received a letter in the mail dated XX/XX/XXXX stating that our savings account had been closed pursuant to the terms and conditions of the XXXX, and that the account balance is currently {$0.00}. I am locked out of our online account, and can not find out where my money is. I have been trying to get some answers from Popular Direct, and have been told nothing, except that " due to security reasons, they can not tell me why they closed my accounts. Today is XX/XX/XXXX, and I spoke to someone at Popular Direct. He told me that my CD has also been closed, and that my money will be transferred back into my XXXX account XX/XX/XXXX. He also informed me that I will not be earning any interest on my {$600000.00} in total during the time that they have it because my accounts have been closed. So, Popular Direct closed my accounts for no reason with no explanation, holds my {$600000.00} for 2 weeks, and I get no interest? Nothing? Is this even legal? In what world does it take 14 days to wire or ACH money from one bank to another? I want compensation for Popular Direct borrowing my money for their own gain. Background : We had a {$950000.00} 6 month CD at Popular Direct XXXX XXXX XXXX XXXX. We cashed it in, received our principal and interest, and used some of that money to open this savings and CD account. We thought they were a reputable bank.
11/30/2022	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PR XXXXX	Web
I took a 20 year loan with Banco Popular totalling {$91000.00}. On XX/XX/XXXX XXXX, I received a call from Banco Popular, XXXX XXXX XXXX XXXX. The call was to make me an offer of an amnesty of up to 4 months. My credit would not be afeccted nor late charges were not goign to be XXXX. I ask XXXX XXXX if the conversation was recorded, and he told me it was. I ask if the payments were going to be mmove to thje end of the loan and he told me yes. I ask if it was going to be a lump sum payment or installments and he told I just have to complete my installments. I took 3 months out of the offer of 4 months and resume my payments regualry. In my payment number XXXX I print the screen with the balance on the loan and the numbers of paymnents made. I did the same with the payment number XXXX. When I went to make the payment XXXX I notice the loan was increase by {$2700.00}. I made a call to the bank and spoke with XXXX XXXX XXXX, she send me a statemnet showing a second mortgage for the same amount, I stated writing since then telling her I have never apply for a second loa, that they sum that amount to me loan without my consent. I told her I wanted to hear the telephone converstion with an officer of the bank because the conditions offer and accdepted by me were very different to what they establish. XXXX XXXX told me several time that I just have to complete my XXXX paymnents, not that I was going to endo up payimg XXXX payments, that was not what we agree over the recorded conversation. I made the payment number XXXX and they charge my bank account but have not credited to the balance of the loan nor to the number of payments. I receives a letter that I missed a payment when I have the receipt of the XXXX payment. I hope you can help me, this institution is abussing of myself and probalbly of many other who have not notice the shceme.
04/24/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CO 80923	Web
On XX/XX/XXXX I made a balance payment due of XXXX cents to my XXXX credit card from Banco Popular. When I received the next statement I noticed that I still owed the XXXX cents, and when I called the customer service the lady told me that the charges were reversed because when I called on XX/XX/XXXX to paid, the person took my my information wrong. By then they already reported my credit for the XXXX cents. Again I made the payment on XX/XX/XXXX for the XXXX cents, they credit my XXXX card and my balance was finally {$0.00}. In the meantime, they showed I was 60 days late affecting my credit score with a drop off of over 100 points. I called Banco Popular and they told me to write an email to customer service, but I have no response, not even acknowledgement that they read it. I made claims to XXXX, XXXX, and XXXX in an effort to clean my record, but they all came back with no changes. I am in the middle of a loan for a commercial property and this inconvenience had putting in risk the approval. Also because of the XXXX cents credit report that Banco Popular issued, I recieved a letter from XXXX XXXX XXXX. They closed my XXXX ( balance was XXXX ), which also affects my credit history. They stated in the letter it was due to my recent derogatory payments. At this moment I am also applying for guardianship for my XXXX son who is going to turn XXXX in XXXX and has a XXXX XXXX XXXX. I need my credit report as it used for the court, and I don't have good credit anymore. I've had this XXXX from Banco Popular for 21 years now with a credit limit of {$29000.00}, which I always paid punctually, and it is not my intention to ruin it for XXXX cents. It is very unfair to be punished for a clerk error. All I want is to fix my credit history. Nobody in their right mind would ruin their credit for XXXX cents. Thank you.
11/01/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 009XX	Web
I applied for a mortgage to refinance my home. The process started on XX/XX/2020 when the loan official at Popular XXXX XXXX XXXX first check my credit after I signed an authorization. After an ardous process which included sending all required documentation the loan was denied on XXXX XX/XX/2020, based on information that I provided the Bank on XX/XX/2020. The information had to do with a payment moratorium provided by Popular XXXX based on the CARES ACT. However, the mortgage I was seeking to refinance is not in forebearance. The payments are up to date. The moratorium is on another property that is under-contract and about to close. Popular XXXX assured me in writing that following the CARES ACT they were not going to affect my credit nor report the moratorium to any credit agency. Nonetheless, the letter entitled " Disclosure of Specific Reasons Regarding Denial of Credit Application '' received on XXXX XX/XX/2020 states that the reason for the denial is " Mortgage account in forbearance-Not allowed by XXXX ''. This must mean that Popular XXXX reported to a credit agency ( XXXX XXXX ) the moratorium thus affecting my credit. My credit score is over 800 and my income to debt ratio is solid. After months of sending the same documents over and over ; it's not just for Popular XXXX to deny me credit based on an information that was not supposed to affect my credit according to the CARES ACT. Moreover, the only way this information could have ended on a credit agency is if Popular XXXX divulge it, since they are the loan owners and they were the ones that offered the moratorium as well as the extension. Popular XXXX knew I had another loan on moratorium ( not the one I was seeking to refinance ), not only because they offered it, but also because they asked for evidence about it and I sent it on XX/XX/2020.
04/03/2017	Yes	Credit card	Other	MI 48335	Web	Older American
Have a credit card from XXXX opened in XX/XX/XXXX. XX/XX/2017 Had issues from the start : Transactions denied, online website errors etc.. I initiated numerous calls whereas representatives could not provide reasons, there was tremendous inconsistencies. After having a dispute with a fraud investigator my account was immediately restricted. Denied more transactions and more calls. Fraud investigator XXXX tried to convince me that a few cards have problems with addresses and requested proof of address along with my passport. XXXX is not aware that my daughter is an it tech specialist and one of the best. She had a scholarship to XXXX years ago and is very familiar with security systems. My daughter informed me the reason XXXX claimed can not be accurate. PLEASE LISTEN TO THE CONVERSATION ON XX/XX/XXXX with XXXX I was denied use of my XXXX card twice in last few days. I have answered over a dozen security questions, some going back over 10 years correctly, I have provided my Drivers License, passport, 2 utility bills and business credit card statement from XXXX. All my information is confirmed by every credit bureau and through a XXXX search, However and somewhat incredibly XXXX bank continues to claim I am not who I say i am. Convinced that untrue statements were deliberately provided to me and more convinced whatever ridiculous issue is theorized, it is based either on discrimination or employee retaliation. Both of which violates the contract I have with XXXX, which was is a contract of adhesion. I go to anywhere on this planet and enter any country with the information I have willingly provided. Therefore, if XXXX continues to hold their claim that I am not XXXX, they can not report this account to the credit bureaus as belonging to XXXX and there is no obligation to pay for any balances.
04/25/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 76504	Web
Please note that a complete narrative of the events is included in XXXX which is my first language in order to prevent misinformation and the lost of important details needed to present this complaint. 1. For several years ( since XXXX ) I have been trying to receive information about decisions, status, letters among others from the mortgage account I have with Banco Popular, however the bank refuses to keep my contact information as co-borrower current and available. I have asked Banco Popular on numerous occasions to keep updated information on both parts, borrower and co-borrower on their records without been successful. Banco Popular has stated that if one of the parts changes the contact info they can not do anything to avoid it. 2. Banco Popular has failed to provide evidence of the cancelation of previous debt on my property ( before the current loan was signed on XX/XX/XXXX ) ignoring federal and state laws among others dispositions and regulations. 3. Banco Popular has provided misleading and inaccurate information of the nature of the debts marked on my property making me think that I am responsible for it when it is Banco Popular as investors and current owners of the account the solely responsible of provide evidence of cancelation of the legal financial debt on my property BEFORE I became the owner ( Banco XXXX XXXX ). 4. Banco Popular violated my right to start a loss mitigation process in order to keep my property from foreclosure since XX/XX/XXXX. 5. Banco Popular has presented a legal process of foreclosure ( dual tracking ) at the same time that is obstructing the Loss Mitigation process forcing me to resign to my legal right to receive a copy of the appraisal as established under COA, 12CFR ; 1002.14 ( a ) ( 1 ), TILA and RESPA.
08/18/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	FL 33178	Web
I applied for and received a XXXX XXXX XXXX Credit Card from Banco Popular Puerto Rico with an established credit limit. I paid the annual membership fee for the card. I was able to utilize the card for approximately one month without a problem. I tried utilizing the card for the purchase of XXXX tickets ( It is after all an XXXX XXXX XXXX Credit Card ) and the transaction was denied, with all payments being current. As soon as I received the first statement, the account was paid in full. However, I was told the account was under investigation and asked to submit a copy of my drivers licence water bill AND electric bill. I have never had to submit water and utility and driver license to a card issuer after the plastic has been issued to any other credit card. This seems like a scam to utilize private information The account seems still locked and another payment ( not yet billed ) for all outstanding purchases was made. I have tried calling the issuer on repeated occasions and asked to understand what the issue was and why the account has been blocked. The drivers license water bill and electric bill were submitted to the issuer more than two weeks ago. When contacted the issuer once again, the representative told me that the account was being investigated for no reason and further told me that they could not furnish the information to me about my account. When asked to talk to a supervisor, the representative XXXX XXXX told me that was not possible and that there was no way the bank would tell me what the situation was. However, thee bank was efficient in collecting the annual fee for membership. Once again, since no information has been provided, I question the integrity of the bank, the co branded airline, and the intentions with consumers.
02/22/2018	Yes	Mortgage VA mortgage	Struggling to pay mortgage	NY 11211	Web	Servicemember
Hello I am a XXXX % XXXX veteran who is affected by Hurricane maria in XXXX XXXX. Presently my home is unhabitable and I am staying in a Hotel paid for by FEMA. I quickly filed a claim with the insurance company picked by my Mortgage priovider, XXXX XXXX XXXX claim number XXXX. Back on XX/XX/XXXX an Appraiser went to my home and conducted an inspection. XXXX XXXX from XXXX XXXX a sub contractor for XXXX XXXX XXXX estimated my damaes at over {$80000.00}. I waited over 4 months for them to reply with a settlement. I was very shocked to hear they are only offering me {$29000.00} and taking away half plus deductible leaving me {$13000.00}. I contacted the banco Popular who holds my Mortgage. They basically told me there us nothing they can do. I filed a complaint with The Commission that regulates Insurance Companies in XXXX XXXX. They investigated and was told by the Insurance company that they are penalizing me because they say that I under reported the value of my home. They are saying the Value is over {$330000.00}. I purchased the home back in XX/XX/XXXX and the appraisel was {$260000.00}. I refinced last year into a VA Home Loan. The Appraisel from XX/XX/XXXX was {$220000.00}. The Insurance company refueses to listen to me or work with me. At this point I have a substantial amount of my savings invested in my home. I can not fix my home with the amount of money the Insurance company is offering me. I contacted the VA Home Loan Program and they also tell me there is nothing they can do. I find it unbelievable that the Insurance Company is doing this and actually getting away with it. I am at the end of my rope. My last option is to take a big lose and walk away from my home. So I am asking you for help. Can you help me with my situation?
09/16/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NY 11355	Web
My name is XXXX XXXX and my card account no. with Popular Credit Services ends in XXXX. I called their XXXX on my flight boarding date back on XX/XX/2020 requesting to close my account, and got confirmation both over the phone on that day, and in their written letter sent in in mail that my account has been closed after my leaving the US. However, I still keep receiving new bills which includes an annual card fee for the next year. So I called their XXXX again on XX/XX/2020, after wasting over half an hour getting connected and disconnected for no reason, I was told a different answer that my account is not closed, and there is no supervisor on floor who can do the fee adjustment or explain to me, and there won't be a same day call back. The worst card services I have ever received. All new charges should not have occurred if they closed my account upon my request. I am willing to pay all merchant charges because I have to pay them through my other accounts anyway, but I am not paying their card annual fees posted after my account cancellation. Besides, let me tell the reason why I chose to close their card account while keep my other cards active. Last time I filed dispute against two charges from XXXX XXXX that was not informed, not authorized and not signed for, the same thing happened that their XXXX rep forgot to input my disputes into their system, and I had to file them again. They always forget and I can't stand them anymore. Even after my account closing, I am still entitled to a credit/refund for those two disputed charges, which I heard nothing back from their office. They are not exempted from giving me a resolution of the dispute investigation, they are just losing a customer.
05/14/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	CA 91042	Web	Older American
I applied for XXXX XXXX XXXX XXXX XXXX XXXX.I was approved with the credit limit of XXXX $ .After several days I received email from Popular Credit Service Fraud Risk Control Department XXXX XXXX XXXX to call him.From that day I was trying to call that person and he never responded.He ignored me, my calls and my emails.Anyway I spoke to other reps, and they told me that they need from me the copy of my driver license and some utility bill to verify my address.I emailed everything the same day, which was aXX/XX/XXXX.After that I`ve tried to call several times.Everytime I was getting terrible customer service, no one was telling me anything, like I`m someone who`s doing something illegal.I don`t know if it was because of my accent or my last name, but I really felt discriminated.Anyway they told me that their investigation takes 3 weeks and it will end XX/XX/XXXX, and instruct me to call XX/XX/XXXX.I called XX/XX/XXXX and they again didn`t tell me anything.They told me I will receive a letter.In the mean time I received a bill from that credit card, and my due date was very close.Since I didn`t receive anything from them, and my account was locked, I called them again, and one representative told me that my account is closed.I was very frustrated, from the way every person talked to me. I don`t know in reality what`s going on, but everything is 100 legit and legal.I`m the owner of this card.I`ve send them everything what they asked.I was approved for XXXX $ because I have excellent credit history over 800 fico, great income and there is no reason to treat me like this and eventually close my account.I felt very disrespected and discriminated, by the way everyone talked to me and treated me.
05/20/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	PR 009XX	Web
On XX/XX/XXXX, I had to pay around {$900.00} for fees accrued in a loan with Popular Auto, Banco Popular of XXXX XXXX branch for vehicle loans. Merchant phone XXXX and XXXX I had already paid my vehicle loan and was a bit confused as to why I had never received the title. Upon contacting them, they told me that they have not sent me the title because I owed them $ XXXX as accrued fees for an extension they gave me back in XXXX when XXXX XXXX XXXX XXXX XXXX XXXX I explained that I never requested an extension or for them to stop my recurring car payments, as the payments were set to be deducted automatically every month. Their reply was that, back then, they did this across the board, even if the client wasn't informed that such action was being taken. Granted, most Puerto Ricans didn't have ways to communicate for months. That said, I never received a letter or a call letting me know that this action was being taken unilaterally. I had to pay the $ XXXX because I needed the title of my vehicle, but I had no chance. Otherwise, they told me that I was not going to have that said title. Right after I made the payment, I requested to be transferred to dispute the fees I had paid. It has been close to 3 months today since XXXX disputes the {$900.00} fees which, again, I paid with restraint, but haven't received a letter informing me about the decision. If my dispute was denied, I still want the $ XXXX I paid to be reimbursed. I don't believe it's fair for me to pay fees for an extension I did not requested. Silver lining : I did receive the title of the vehicle. Name : XXXX XXXX Last four of bank account : XXXX Contract # XXXX Plate : XXXX Cel XXXX
01/08/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	IL 60631	Web
In XXXX, I applied for a XXXX XXXX Rewards Card through Banco de Popular Puerto Rico. They accepted me and gave me a {$9000.00} credit limit. I made a {$1200.00} balance transfer and was charged the 2 % fee. I was then informed if I made a purchase of any amount, I would receive {$100.00} credit on my statement. A month later, I got a letter stating the account was closed but was given no reason. I contacted both XXXX XXXX and the credit card company numerous times. I started with one phone call to XXXX XXXX. They transferred me to the credit card company. First the credit card company told me they don't have a reason and I should call back in a week. Then the second time I called, they said there still was no reason. I demanded an answer. They told me they would put in a request to find out. The third time I called back, I was told it was " bank policy. '' I wanted to know what the bank policy was. They had no answer or reason. I called back the fourth time after the new year and was told it was bank policy and that was the only information they have and will ever have. Furthermore, after I made a purchase using the card, they gave me the {$100.00} credit THEN removed it. This inquiry affected my credit report. Despite the fact that I have good credit, I am EXTREMELY upset. I had planned to use this card for another balance transfer and will now be " dinged '' again in my credit report when I have to apply somewhere else, which will bring down my score again. Also, they put the full credit card number on the statement they mailed, which I find extremely unsafe. Please look into this and let me know what can be done to resolve this issue. Thank you!
11/04/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00693	Web
Good morning My name is XXXX XXXX XXXX. I have a mortgage with Banco Popular de PR number XXXX. The investor according to XXXX is XXXX Bank. I need your help as I have run out of moratorium to make late payments. I wish to be allowed more options of these payments such as modifying mortgage payments and that the amount in arrears is allowed to be put at the end of my mortgage. I have tried on multiple occasions to communicate with the BPPR, but they tell me that the investor XXXX bank does not give other options. They always tell me NO. They can only give me the option of payment plan. I don't want to lose or sell my house because I wouldn't have anywhere else to live. I am a person who lost his job due to the covid 19 pandemic in the year XXXX. And I was able to get a job again in XXXX. I am an old and sick person. In order to keep my accounts up to date I had to work overtime. I have been hospitalized 3 times in XXXX. I am tired, stressed, depressed and without any help in solving this problem. I feel like they're not offering me all the opportunities that have been offered to thousands of people. I have communicated on multiple occasions, but they do not really help me and what they do is send me in multiple addresses and then realize that I do not reach any solution to my problem. I have called legal services of XXXX XXXX XXXX XXXX XXXX. XXXX lost and mitigation XXXX, or XXXX, XXXX XXXX, XXXX XXXX Since XX/XX/XXXX. Other Numbers that I called is lost and mitigation of XXXX Bank XXXX XXXX and they said there is no mortgage or information regarding myself appear on their records. Please help. My email is XXXX, my number XXXX. Thank you, XXXX XXXX
08/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	PR 009XX	Web
On XX/XX/2022, I purchased a product with a visa credit card from the bank Banco Popular de Puerto Rico ( " BPPR '' ). I was offered a promotion that said that I could pay the purchased product in a term of 1 year without interests. I called BPPR prior to making the purchase to confirm that this offer was valid ; they confirmed. I purchased the product for {$3500.00} with the BPPR visa. On XXXX I made several payments totaling {$3300.00} to my credit card expecting them to be allocated to my general balance that was not subject to the offer. BPPR allocated the {$3300.00} to the {$3500.00} purchase that was made with the offer. Therefore, the remaining balance on my credit card began generating interests. Note that since I have this credit card with BPPR I have a firm and constant pattern of always paying my monthly balances full. It is important to me that my credit card does not generate interests. Since XXXX, I have filed 4 claims with BPPR and have not received adequate response. The call center personnel verbally informed me that the 4 claims were adjudicated in my favor and that the {$3300.00} were allocated to the offer. However, my statement account does not reflect this. The XXXX Statement Account provides that only {$800.00} from my balance are subject to the offer. The remaining balance is generating interest. I am currently filing a 5th claim with BPPR. This is unfair, burdensome, extremely time consuming and detrimental to my finances. BPPR has an obligation by law to allocate the payments to the highest interest generating balance and not only did it violate that responsibility, it has not acted to rectify this issue.
06/29/2023	Yes	Mortgage Reverse mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 007XX	Web
By the end of XXXX, I began the process to obtain the money and pay off the reverse loan. In XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX declined the loan due to problems with the property. In other words, I was approved for the loan but the property does not qualify for any product. The Bank tells me that no financial institution is going to XXXX me the money due to the situation of the property. I contact HUD indicating the situation, I send them the bank document and I even make an offer to pay off the loan to which they tell me that they do not accept any offer other than paying 95 % appraisal of the property. I contact other banks to present the situation and try to get the money, but all the banks, including Banco Popular de Puerto Rico, who originated the reverse loan, told me the same thing, that the property does not qualify for any loan. At the moment, I am in a Mediation program with Banco Popular in the Court but they do not want to accept an offer, they just want full payment that I can not get due to the situation described or that they hand over the property, which is not an alternative for me since I have tried everything and it is the only property I have. It is my only home and I have not refused to pay at any time and I followed all the steps that they have indicated to me. I just want you to help me with this situation because they granted a reverse loan with a property that has a " Hazzard '' because the property has had that situation since XXXX and if in XXXX it qualified for a reverse because now they can not grant me the loan to pay it off. Please I need your intervention in this matter.
08/31/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00926	Web
We have a loan with BPPR ( Banco Popular de Puerto Rico ) loan number XXXX and we used to have the 2 lots at each side of our residence, we went under the chapter XXXX protection under the bankruptcy court and let them go because it cost over {$1.00} M to cure the enormous soil problem and the only way to sell these lots was by committing fraud, we gave evidence of these conditions to BPPR by Soil studies and cost to cure by certified engineers, the 2 lots are unbuildable if piles around 60 feet depth are not done because it has 50 feet depth of unstable soil, BPPR ignores the facts and are offering to potential buyers the lots without the proper disclosure and selling the idea that can built theirs dream homes, already they sold one and the new owner want to built without the curing and putting on risk my home, back yard and adjacent neighbors all these was confirmed by our soil and structural engineers. We did last month another soil study and comparative topography of the 3 lots and the results are dramatic they have sunk between 7-15 inches, the slope has inverted, soil slides, new puddles all over, back fences have failed many times and this means that the global stability is very affected, how could you help us against this institution, since this neighborhood was built we know about 3 houses, 1 swimming pool, retain walls and slopes have collapse, Because malpractice and wrong process of soil stabilization of the slopes, how you can help us? or what agencies you can refer that can assist us to confront this malicious institution?. We cant even sell our house because fraud is not our way of dong business.
02/27/2017	Yes	Credit card	Customer service / Customer relations	CA 91789	Web
I filed claim case # XXXX on CFPB addressed to Banco Popular de Puerto Rico. Banco Popular responded to that claim : " Relief We referred to the XXXX and XXXX Credit Agencies the removal of the additional inquiries to your credit report. '' I contacted XXXX and XXXX Credit Agencies today ( XX/XX/2017 ) and both of them advised me that Banco Popular de Puerto Rico had not referred any removal of any inquiries to my credit report. They advised me to contact Banco Popular so that they communicate XXXX and XXXX through their credit system the removal of the additional inquiries to my credit report. I then called Banco Popular at XXXX on XX/XX/2017 as suggested on their response to my claim and the agent that took my call had no clue about my claim case # # XXXX filed to the CFPB. I thus have no alternative but to file another claim to the CFPB : ( 1 ) To report that Banco Popular did not refer to XXXX and XXXX the removal of the additional inquiries to my credit report as promised on its response to claim case # XXXX. ( 2 ) To bring to your atention that both XXXX and XXXX advised me that if Banco Popular would refer the removal of the inquiries through their credit communication system, the removal of the inquiries would be almost immediate. ( 3 ) To request once again that the additional hard inquires are removed from my XXXX and XXXX Credit Reports. ( 4 ) To report that Banco Popular was unable to assist me on the phone regarding this case in contrast to what was stated on their response. The agent had no clue about my case. He could not find it. This is unacceptable.
03/16/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	KS 662XX	Web	Servicemember
I'm trying to refinance my primary home mortgage. I'm a co-borrower on a loan that my brother has on a house and the loan is being reported in my credit report. In order to finish my primary home refinancing, the bank that I'm trying to refinance my primary home loan ( XXXX XXXX XXXX XXXX ) requires that the Bank Popular de Puerto Rico ( I'm a co-borrower ) send them the last bank statements. Banco Popular de Puerto Rico has refused to send the bank statements ( estado de cuentas ). XXXX XXXX XXXX XXXX personnel, the XXXX XXXX verification agency and myself have been asking to the Banco Popular for loan statements since XX/XX/XXXX and up to yesterday XX/XX/XXXX, but the bank refuses. Since I'm a co-borrower and that the loan appear in my credit report agencies, I believe that by US federal law I'm supposed to obtain the loan bank statements. My primary home refinancing bank ( XXXX XXXX XXXX ) has approved the loan with the condition that Banco Popular send the loan bank statements that is appearing in my credit report. I have written XXXX disputes with the credit report bureaus, but the banco Popular refuses to provide the bank statements. I believe that they are violating my right to refinance my primary home and they should be held accountable for it. I just would like the Banco Popular to send the bank statements to myself or to XXXX XXXX XXXX XXXX so they can proceed with the approval of my primary home refinance loan. I have tried several times and I have called the banco Popular, but I get nowhere with the case. Please help me to resolve this issue. Thanks
09/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	PR XXXXX	Web
On XX/XX/XXXX, the Banco Popular De Puerto Rico ( BPPR ) inquired my credit ( XXXX ) in request of a personal loan together with my wife. In the credit report 2 inquiries appear dated XX/XX/XXXX and another one dated XX/XX/XXXX, I make a claim in the same week of XX/XX/XXXX of the double inquiry with the BPPR ( Number of claim XXXX ) and the response to the claim was favorable to my person for which the BPPR promised to request the elimination of the inquiry dated XX/XX/XXXX. I ended the situation in the month of XX/XX/XXXX when I reviewed my credit report in the month of XX/XX/XXXX I find that the double inquiry was still in my credit report with XXXX to which I proceeded to make another claim, the BPPR 's response was that it had already been requested in the month of XX/XX/XXXX and they returned to commit to carry out the procedures for the elimination of double inquiry. From XXXX to the present I have made multiple attempts for the BPPR to take action in what they committed to me, I opened 3 additional claims : a : XXXX, b : XXXX and c : XXXX. The person in charge of processing the elimination of double inquiry is XXXX XXXX XXXX from the claims department. This situation is affecting my credit report since my score is affected by an inquiry that should not be there. I made multiple calls to BPPR customer service and the only answer I had was that they would make notes to the claim and that I would be called in 1 week ( twice I got that answer without actions from BPPR ) so I decided to open a complaint to CFPB so that My business can be addressed. Thanks
09/22/2022	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Can't close your account	IL 60051	Web
My XXXX passed away on XX/XX/2022. On XX/XX/2022, I contacted Popular Direct Bank of XXXX XXXX, XXXX and was given a list of the items that they would need to close my mother 's XXXX Certificates of Deposit. That was provided via registered mail, notarized, as requested. On XX/XX/2022, I called and was told that everything was there that they needed and that checks would be issued and I should receive them in XXXX days. I called again on XX/XX/2022, and was told that the accounts had become " dormant '' ( even though I had been in contact with them about the accounts ) and so the checks had not been issued. The representative told me that she removed the " dormant '' status and that the accounts could now be closed and checks would be issued and received within XXXX days. That evening I received a call from the bank stating that they required more information, including my and my brother 's social security number in another notarized letter that also indicated what we wanted done with the accounts. That letter was sent XX/XX/2022 and received by the bank on XX/XX/2022. I contacted the bank on XX/XX/2022 and was told they had not received or processed the letter and could do nothing with the accounts. Contacted bank on XX/XX/2022 and was told that the problem with them not receiving the documents was that they had been forwarded to XXXX XXXX. They now can offer no time frame when the accounts can be closed. I have offered to resend the paperwork, but was told that it would still be forwarded to XXXX XXXX and that there is no way to expedite the issue.
02/06/2017	Yes	Credit card	Credit determination	CA 91789	Web
YOU MUST REFER TO ATTACHMENT # XXXX - FULL CASE to fully understand my case and request. PLEASE GO THROUGH THAT DOC BEFORE ANYTHING ELSE. On XX/XX/2016 at XXXX PST, I applied online for the XXXX card ( application ID # XXXX ) issued by Banco Popular de Puerto Rico, using promotional code AVSPWE to receive a Welcome Bonus of XXXX Lifemiles. After clicking on " XXXX '' my application, a pop-up message displayed on the screen prompting me to confirm my identity by answering a few questions. Before showing me any question, the webpage kept " thinking '' for a while and then an error message displayed without giving me any questions to answer. Please refer to attachment " # XXXX. Identity verification error '' which is a snapshot taken with my cell phone of the screen error message I got. As you can see on the left of the snapshot, a " no items to show '' message displayed instead of the questions I should have been given to answer to confirm my identity. Also as you can see on the center of the snapshot, an " Unable to continue, XXXX we can not identify you '' message displayed. Then, I was kicked out of the application and received an immediate denial email. I then had further issues with Customer Service ( additional hard inquiries on my credit reports without my consent a a claim opened with no resolution after 2 months ). Please refer to attachment # XXXX - Full case, to understand the issues I faced regarding my application, my interaction with Customer Service, the claim I opened with no resolution, and what I am requesting from you at this time.
07/21/2023	Yes	Checking or savings account Savings account	Closing an account Company closed your account	AR 72205	Web
I opened a savings account with Popular Direct, a subsidiary of Popular Bank, on XX/XX/XXXX of 2023. I proceeded to fund the account with {$5000.00}, which was well beyond the required {$100.00}. The funds were marked as received on XX/XX/XXXX. On XX/XX/XXXX, I received a letter in the mail, postmarked on XX/XX/XXXX, that informed me that my account would be closed " pursuant to the terms and conditions set forth in the Personal Banking Disclosure and Agreement ''. The letter went on to state that " as of the date of this letter, the total balance in the Account is {$100.00} ''. Not only was the letter postmarked on the same day that I funded the account, but the account balance described in the letter was inaccurate. These facts made me suspicious, so I called Popular Direct 's customer service. I provided my account number and personal information in order to verify ownership of the account. I asked the representative to look into why my account was to be closed. After being placed on hold for approximately 8 minutes, I was informed that my account was being closed and that he could not provide me any information as to why due to " bank policy and security reasons ''. Despite the strange circumstances, I attempted to further understand the reasoning and inquire about the timing for receiving my deposit. He again placed me on hold, and when he returned, he informed me that the closure would be processed on XX/XX/XXXX, and that the money and a letter detailing the closure would not be returned to me until 7-10 business days after XX/XX/XXXX.
08/19/2015	Yes	Credit card	Identity theft / Fraud / Embezzlement	FL 34638	Web
I sent a payment of {$300.00} ( {$200.00} money order + {$100.00} personal check ) and it was received by the bank and credited to my credit card on XXXX/XXXX/15. I received the monthly statement showing the payment was received on time by Banco Popular de Puerto Rico. Also, it said no payment was needed next month because of good payment history. On XXXX/XXXX/15 the bank sent me a letter explaining the {$300.00} credited to my credit card was an error. The bank is alleging the {$300.00} were for a different account. So, they withdrew my payment and credited the {$300.00} to someone else credit card. The bank ends by saying all this will be reflected on your next month statement. This situation puts my account as no payment received, so the purchases I made ended up over drafting my credit card. The bank keeps calling me alleging that the payment was ''reverted '' when I asked them what that meant they say it had no funds. My check was chased and cleared by the bank and I doubt that a money order from XXXX XXXX had no funds. Even though they keep calling me, no one can explain clearly what happened, instead they keep asking me for a payment that I already made. Plus, in XXXX/XXXX/15 they received another payment I sent for {$100.00} and it was chased and clear by the bank without trouble. My complaint is that someone is going through all this trouble to steal my money, alleged that no minimum payment was received, charging me late fees, and ultimately affecting my credit report by over drafting an account that should be in good standing.
09/17/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	PR 00969	Web
Credit Reporting and Unauthorize and Unnottifice Charges by " Banco Popular '' Lack of Transparent Communication : " Banco Popular '' charges a membership fee to all credit cardholders, but does not adequately notify customers of this charge. As a result, many cardholders are unaware of the fee and do not pay it. Unethical Reporting : Without prior notice to the customer or verification that the customer is aware of and agrees to the charge, " Banco Popular '' reports the unpaid fee to credit bureaus as an unpaid debt. This can be considered unauthorized credit reporting, as customers were not given sufficient information to consent to the charge. Negative Credit Impact : This reporting affects the customer 's credit report and potentially lowers their credit score, causing long-term damage to their financial health. Customers are not given a chance to rectify the situation before it impacts their credit history. Absence of Remedial Measures : Unlike other financial institutions that provide customers with alerts or options to dispute unauthorized charges, " Banco Popular '' does not offer an easy method to contest or become aware of this membership fee before it becomes a problem. This practice could potentially be deemed unethical or even illegal depending on the jurisdiction and specific laws regarding financial practices and consumer protection. If you or anyone else is experiencing this, it would be advisable to consult legal experts or financial advisors for personalized advice on how to handle the situation.
09/03/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	WA 992XX	Web
To whomever it may concern, With complaint is directed towards Banco Popular de Puerto Rico ( license from XXXX XXXX XXXX ) I had conversation on the phone with a few representatives and the outcome of that conversation was bazar as they can actually help anyone. They have to talk to the higher ups and you'll receive a letter in the mail with a response??!! Another year has passed and with Covid-19, it is not possible to travel, so I am unable to use my XXXX XXXX ( airline miles ) card as it was intended to be used. Travel is not possible right now with the pandemic, so i called to either cancel the card or have the annual fee waived for another year to give the world situation a chance to create a better travel environment. I was told that I am stuck paying the annual fee ( which had already been charged XXXX. I feel this is unfair as I have already paid the initial annual fee when I opened this card up, and with the inability to use XXXX because of COVID-19, I feel I do not need to pay another annual fee as I can not use the perks the card is intended to be used for. Just cancel the card and will be on my way. With that said, I would like the annual fee of {$140.00} to be waived as it is posted to my account as of right now, so i can cancel this card. When I reach out to the company they say they have no power I can not talk to anyone with this sort of power ... that I will just get a letter in the mail. It so unprofessional to not be able to talk to someone that can fix this problem. Thank you for your time,
02/17/2016	Yes	Credit card	Closing/Cancelling account	VI XXXXX	Web
I canceled a VISA card issued through Banco Popular because they are impossible to deal with including issues such as : you ca n't pay the credit card on line unless you have a checking account at Banco Popular, the wait time for their 'help ' line is always in Spanish first even though you press the number for English, and the wait time on the customer service lines is at least 20 minutes and many times up over one hour and many times they cut you off before finishing the call resulting in multiple calls. So, i canceled the card and destroyed the card as they indicated in the letter that I should. I still had a balance on the card so the following month I go up on line to access the bill so I can go to the local Banco Popular to pay it as I had to do every month and lo and behold they have shut off my on line access. After two days and many hours on hold I finally talk with someone and explain I still need to access the account. They refuse to let me do that because I have 'canceled the card ' so they 'canceled my on line access '. So i tell them to send me paper bills. They send one XX/XX/XXXX and none this month. Today I went into local Banco Popular bank and have the branch manager call them to access our account. She was on hold over 30 minutes and then they told her wrong department, transferred her!!! and that line said it was an estimated wait of one hour! So she gave up and said there was nothing she could do!!! Is n't it my RIGHT to get a billing statement every month?
09/15/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	PR 009XX	Web
I am from XXXX XXXX. In 2017 we were impacted by Hurricane Mara. After the Hurricane passed through the island everything was devastated. I lost my job, my house and everything that I have 'd. I didn't stopped making my auto loan payments with Banco Popular of Puerto Rico. After that I had to start making XXXX because I was unemployed and that was the only way I could provide food to my family. During a XXXX trip I was involved in a car accident where my car was declared total loss. I called the bank and told them about my situation and they told me that there was nothing that they could do. I had to stop making the payments of my loans ( because of income loss ). I was and still without a car and a job. I am struggling really hard. The insurance company payed them for the total loss. The bank closed the account, send it to a debt collector but when the check from the insurance company was payed they grabbed the account again ( but leaving it closed and with the late payments ). They are calling me and threatening saying that I still owe them {$1200.00} in charges and fees owed to them. I am still unemployed without a car. Moved with my grandmother and I am in a very deep XXXX ; I am seeing XXXX and XXXX. I am writing to see what can be done in this situation. In my credit reports it says that I owe them {$310.00} and they are telling me I owe {$1200.00}. I will be posting a copy of the report of that account, also you are authorized to check my IRS non filling for XXXX.Thanks.
03/30/2017	Yes	Credit card	Balance transfer	MI 48335	Web
XXXX life miles visa ; -Card is restricted -Avianca error on a balance transfer and sent {$3700.00} payment on XXXX to wrong company, a company i never provided. -When i called to confront XXXX , i w as forwarded to fraud department, fraud investigator provided untruthful statements trying to get me to believe all visa cards were malfunctioning. - I i nformed Fraud investigator h e was lying, that i have friends who have same card and are not restricted or having other issues as i am. Fraud investigator was caught off guard and refused to answer when i asked him why he was lying. -Due to the restrictions, which were not placed until i disputed a XXXX balance transfer of {$3700.00} that was sent to wrong company, I am unable to pay or use this account. -I am unable to verify charges- - I strongly urge someone to listen to the call on X/XX/2017 with XXXX and a fraud investigator - I have talked to 3 f raud investigators from X/XX through X/XX/2017 all have provide untruthful statements - to ensure I have a private right to file a lawsuit and collect damages, I have filed disputes with all the credit bureaus. - XXXX representative has also contacted family members at phone numbers i never provided to them or gave them permission. XXXX has shared private information with others violating our agreement and Federal law. - I am also requesting the complete unredacted file XXXX has compiled on me, as this is my right and they MUST comply.
06/11/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00956	Web
i had a loan with Banco Popular De Puerto Rico, loan # XXXX, after the Hurricane Maria I request a moratorium of payment and the bank in a letter dated XX/XX/XXXX grant me another 3 month of moratorium, they explain that I have to pay beginning XX/XX/XXXX and if I request they can work a loan modification. when originate the loan my investor was XXXX XXXX, this investor provide to move as a loan sum the unpaid month. in XXXX I call BPPR for start the modification process, the first inconvenient was they told me my investor is XXXX XXXX and they only can provide me with an extention up to 40 years ( my mortgage have been paid for almost 15 years so far ) when I complaint about this BPPR tell me they wont work any modification because they sell my loan to XXXX XXXX. I request to XXXX XXXX to confirm by letter they are the new investor of my loan. I receive from them a letter dated XX/XX/XXXX explaining they are only a servicing provider they are not an investor. Banco popular lie to me, they refuse to work with me a modification of my loan, now they new servicer treat me to make negative revision in my credit and they billing me other fees not explained reaching the amount of 10,000. + dollars. I visited the servicing offices of Banco popular in XX/XX/XXXX trying to solve this and avoid my loan to be sell to select portfolio. they do nothing only send me a letter dated XX/XX/XXXX confirm my petition and a resolution will be receive the next 30 days and that never happened.
11/14/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00926	Web
Banco Popular of Puerto Rico offered consumers a mortgage moratorium due to Covid19. The initial written offer was a 3-month payment moratorium, to be paid at the end of the mortgage. After us accepting the 3-month moratorium, Banco Popular sent a written confirmation letter acknowledging the mutual agreement. A month later they sent another letter extending the period to a 6 months moratorium. We reiterated that we wanted to stick to the 3 months already agreed on. A month later Banco Popular called us to say that to qualify for the moratorium, had to be at least 4 payments sent to the moratorium, we again stated we wanted to stick to the 3-month agreement, but we were advised not to pay the mortgage for the 4 months required to qualify. Last month they sent a new letter demanding payment for the 4 months that were supposed to be part of the agreement. We scanned and sent them the official letters they had sent on accepting the moratorium. Today we tried to process the XXXX payment as instructed and they refused to post it to the mortgage account. Somebody has to make Banco Popular responsible to honor their written offers. We did not ask Banco Popular for a payment moratorium, they offered it and accept it in writing. This situation is causing us distress and mental anguish as the only thing we did was to follow instructions on their offer. Can you help? According to other Banco Popular employees, there are hundreds of consumers going through the same ordeal. Thank you.
03/09/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL XXXXX	Web
I currently have a mortgage with Banco Popular. My mortgage loan has always been set up in auto pay and always paid on time. We moved to Florida in pursuit of new employment in XX/XX/2018 and without any notice, Banco Popular cancel my auto pay and that cause a 30-day late reporting on our credit. We never cancel the auto pay option in our Mortgage with Banco Popular. We have enough funds on our account to cover the regular payment on a monthly basis, Banco Popular failed to give us notice either by phone or mail to let us know the Mortgage was past due. It was not until over 30 days that we received mail letting us know the payment was delinquent. We advise the lender that there was plenty of funds in our account and asked why the payment was not withdrawn automatically as always for over 6 years. They told us the auto pay was cancel. We never cancel the auto-pay option. The account was set up from the beginning to be used only for Mortgage payment only it was set up for that purpose. Banco Popular refused to research why the auto pay was cancel and they have no record or evidence in writing or in the computer showing date and time of cancellation. They refused to remove the 30-day late payment from our credit. It has damage our perfect mortgage payment history and credit. We need help with this financial institution. They don't have the knowledge neither know the REG 's that are violating when they refused to investigate and correct their error.
11/16/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00987	Web
I recently filed a complaint against Banco Popular de Puerto Rico regarding a mortgage modification ( XXXX ). I received a letter from them stating that I should call the lost mitigation department in order to discuss my alternatives. I called today, XXXX XXXX, in order to submit the evidence of my income and expenses. When the person on the phone made the evaluation of my case, she stated that since the deficit between my income and expenses was for {$700.00} the only alternative they could give me was to stop paying my mortgage for 3 months while my situation changes, and that I need to cut my expenses or make more money. Seriously, in what world are they living????? Is not like I can stop paying the electricity or the water services, or the student loans or anything. And is this ai n't bad enough, after the 3 months I should pay the three months that I have n't, at once, and continue with the monthly payments as they are. She said that the could have offer me a different option if the deficit between income and expenses was n't so big. I will like to know if this is even legal. I want to make a modification of my mortgage to be able to pay every month. They say I ca n't refinance because the property cost a lot less than when I bought it, and that I can make a modification with them because I wo n't be able to pay it. The only option they are giving me is to loose my apartment because they rather get no money instead of giving me a real option.
08/31/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Opening an account Didn't receive terms that were advertised	NJ 08540	Web	Older American
My wife and I responded to advertisements from POPULAR DIRECT to open a CD at 5.5 % APY. We completed the application and, on XXXX Popular Direct took {$30000.00} from our checking account at another bank. We received confirmation of our CD from Popular, including the account number. When I tried to go online to check my CD, I was locked out. I then received a cryptic letter from Popular Direct telling me they were invoking their right to terminate the account. We phoned and were told that the account was closed but they could give us no reason. Supervisors could not give us a reason, either. Popular Direct promised that they would have someone phone us who could give us a reason, but no one ever called. When asked WHEN they would send us our money back, they told us they would get to it at the end of next week, sometime around XX/XX/XXXX. This is an outrageous delay. Popular Direct has our money and, if they do send it back on XX/XX/XXXX, they will have had our {$30000.00} for more than two weeks. In the meantime, we will not have received any interest nor can we set up a CD with another bank. Popular Direct, on the other hand, will have been able to use our funds for their purpose. ( Now I would like to add that when I went on line to see if anyone else had posted a complaint about Popular Direct, I found that a customer posted an identical complaint about Popular Direct in XXXX of this year. Sounds like a pattern! )
06/16/2022	Yes	Checking or savings account Savings account	Problem caused by your funds being low Non-sufficient funds and associated fees	NJ 07036	Web	Older American
I went to the bank on XX/XX/XXXX to make a withdrawal of {$200.00} and the teller tells me that I only had {$230.00} available. Before that, the last time I had went to the bank was on ( XX/XX/XXXX when I had made a withdrawal of {$300.00} and I had a remaining balance of {$1000.00}. They claim that I had went to the bank on XX/XX/XXXX and made a withdrawal of {$800.00}. I argued with them that that was not correct. I have a book that they stamp every time I make withdrawals or deposits and they did not stamp by book where they were supposed to when they claim I made that withdrawal. They told me that the teller made a mistake on that day ( XX/XX/XXXX ) and stamped it over another date at the beginning of my book. They proceeded to show me where the teller stamped it ; and it was over another date. If you look at my book where they stamped it, it's very confusing and I also noticed that they changed the numbers by handwriting over them. I did not get anywhere with them. One of the tellers even told me that I had not been to their bank in a long time and maybe I don't remember. They took my {$800.00}. I am XXXX XXXX XXXX and I do not have XXXX nor XXXX, and I am good with numbers. I never went to the bank on that day to withdraw {$800.00}. I get my XXXX check every first of the month and it covers all of my bills ; I didn't have a need to go into my XXXX XXXX XXXX account to withdraw any money. Please help me. I am a victim.
09/04/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 91709	Web
Dear Sir : I had popular bank XXXX XXXX Visa Card ending XXXX. ** Annual fee {$140.00} just post and call for cancellation within 30 days grace period. They still no reimburse the credit after card closed. Due to Covid-19 issue, I can not make travel and take XXXX XXXX flight for these years. On XX/XX/21, the next year Annual fee {$140.00} for the card post to my account, when I check my statement around 1 week later, I cann customer service to cancel due to covid-19 issue to make travel difficulties. Service rep said the annual fee is related to next year, since I called to cancel right after Annual fee post, I don't need to pay, then close account. However, when I received account closed mail and check. Account still can login and next annual fee is due. I contact them within 30 days grace period of annual fee post, and account has been closed by request, there is no reason to charge me the fee for the unused, closed card. their contact us XXXX is hard to reach, most of time is voice mail recording and I only can find some info for dispute Popular Credit Services Disputes Resolution XXXX XXXX XXXX XXXX, GA XXXX However, it looks like they force customer to pay the annual fee even card has been closed within 30 days grace period. Please let me know if you need more detail info regarding my account #, address, name ... etc to verify I will provide right away to you. Your help will be greatly appreciated.
03/10/2016	Yes	Money transfers Domestic (US) money transfer	Fraud or scam	PR 009XX	Web
Our company XXXX XXXX XXXX XXXX, Receive customer that pay with stolen credit cards. For buy safe vault ( The Customer XXXX XXXX XXXX ( phone XXXX ) Ask for the service of pick up and delivery safe by the company XXXX.contact person XXXX XXXX with phone XXXX for the quantity of {$26000.00}. Banco Popular of Puerto Rico do the wire transfer from our account XXXX to the Bank XXXX XXXX XXXX on XXXX with the account XXXX. The transfer the money Knowing that until XX/XX/XXXX this fraud scheme is occurring in Puerto Rico, with the banks. The send a Letter telling abount that., whatever do the transaction and transfer the money. Now Banco Popular says that is impossible to ask for refund de money, because the do n't have the enough information. But when they do the transfer have the '' enough '' information. Banco Popular fill a complete form, with all the information to do the transfer ( Beneficiary Bank, Beneficiary Name, Account Number, Swift Code, Address ) All the information. If they have identified the Bank and was good this information to send the money, it have to be good to ask for the recovery of money. Banco Popular tell " no '' You need to pay. But we dont withdraw the money, The transfer it. We contact FBI on XXXX XXXX, 2016 and open a complaint with the Agent XXXX XXXX. for do the investigation. We understand that all the transaction on the bank have an inssurance, if it really a fraud.
10/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10013	Web
I attempted to open a credit card with XXXX XXXX in XXXX XXXX. When I did not receive my credit card in XXXX, I called them to ask why it had not been received. I was informed that someone had changed the name and address on the card and was using the card. I immediately told them that this was an act of fraud and it was not me. I was sent in circles for months filing complaints and filling out documents all simply saying that the credit card was never received and i never charged anything to the card. I continuously told them to cancel the card that by credit report was reflecting a delinquent account that was n't even me! They never closed the account, the account continues to accrue late fees, and they even sent me a credit card, sent to my correct address- WITH THE FRAUDULENT NAME in XXXX XXXX! My credit report has been getting hit since this whole process began, and they are absolutely impossible to work with. In XXXX, I was told to provide them with a police report and affidavit attesting to the fraud. I did all they requested, and received a response saying that the " investigation '' they conducted concluded that the account belongs to me. I call the company and am constantly rerouted and asked to provide additional documentation and fill out additional forms, and I have done so to no avail. I simply do n't know what else to do, I have never encountered such gross incompetence.
04/17/2017	Yes	Credit card	Rewards	CA 92056	Web
For the 4th time, I have called this bank today about a discrepancy in the sign-up bonus on a credit card. This stemmed from an error on their website where the promotional code for the bonus did n't seem to be included with the application. I immediately called them two weeks ago on XX/XX/2017 when I noticed the issue after completing the application. They told me they were taking notes on my account about the promotional code XXXX for XXXX miles and not to worry, that I should call back once the credit card is approved and they can add it ( the second time was when I got conditional approval but I was asked to call back again ). I called a third time when the card was actually approved and they asked for the code and said it was no problem to apply it to the card and that they would. Now, since I only received XXXX points and not the XXXX I was expecting, I called again and asked why there was the discrepancy and why the code was n't applied. The agent claimed there were no notes on the account about this but he had sent a request to his supervisor to apply the code and adjust for the the extra XXXX miles. I have no faith at this point they are doing what they claim and telling the truth where they actually attached the code to the account and will reward the proper amount of miles and feel I have no other option but resolution by this means. I have full records of all these calls.
02/20/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	PA XXXXX	Web	Servicemember
This a for a Mastercard issued by Banco Popular de Puerto Rico. When I make a payment on my card the company puts a security hold on my payment for XXXX to XXXX business days before they post the payment to my account. On XXXX XXXX they also put a security hold on my account due to what they say is suspicious activity, my bank returned a payment, and rejected all charges to my account thereafter until I called on XXXX XXXX to see what was happening even though I had fixed the problem with my bank and had made another payment to the card that processed correctly on XXXX XXXX. On XX/XX/XXXX I had to call them to get the security hold removed. I have had nothing but problems with this credit card company. The terms of agreement does not contain payment information that relates to holds on payments for security purposes. This caused at least one of my utility payments that was on autopayment for XXXX dolllars and some change to this card to be returned and the credit company refused to fix this costing me extra money and time spent working with my utility company. My biggest issue is I have ask the company for a customer complaint form and they have advised me they do not have a way for a customer to file a complaint but the customer representative will submit the compliant for me. I have ask them to submit a complaint but I do not received any feedback about the compliant.
03/20/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PR XXXXX	Web
I applied for a conventional mortgage ( XXXX XXXX ) at the loan limit of {$510000.00} with Banco Popular Puerto Rico on XX/XX/2020. I was given a new quote right before the closing process, which features a much higher interest rate than what I received initially ( 4.5 % vs. 3.875 % ). There is no logical reason for this as my credit score has only improved, credit utilization rates are at elite levels, and my credit score is in the excellent range with all major credit bureaus. After sharing my experience with at least three independent sources, including my realtor, friends, and acquaintances, all of them verified that Banco Popular commonly waits more than 60 days for the quoted and locked-in interest rate to expire and then increases the interest rate significantly right before mortgage closings. This is not an honest business practice, and it seems that nobody is holding the bank accountable for it. A second-order consequence is that the bank needs to pull my credit report again as they waited until the initial report expired, which could affect my credit score. In summary, the bank has been extra slow, significantly increased their initial interest rate quote with a new quote right before the closing after stalling about 130 days, and is potentially hurting consumers ' credit score by pulling credit reports multiple times throughout an elongated process.
11/04/2022	Yes	Checking or savings account Other banking product or service	Problem caused by your funds being low Overdrafts and overdraft fees	NY 10460	Web
On or about XXXX through XX/XX/2022. Popular bank closed my business account without my authorization, consulting with me or notifying me. By the time I found out my business account was closed for over 3 months. Popular bank wrongfully closed my account due to a balance under {$1.00}. They said someone used a ATM machine to verify balance and the bank charged a fee of over {$1.00} which put my balance negative - XXXX cents I believe. They they charged {$35.00} over draft fee and {$5.00} interest for everyday until account was closed. I walk in this bank every week and sit with a representative or bank manager who always views my accounts every time I am there. Never have they mentioned my account was closed or I was in a negative balance. This ruin my business and set me back and caused me to lose hard earn business relationships. To my understanding by customer service, I wasnt to be charged overdraft for anything under {$5.00}. Also, I paid thousands of dollars in overdraft fees in past and dont know why. They always have the same excuse about their system. They need to be audit. Now they wont let me open a business account and tried extorting me. I was told told by bank manager either pay $ XXXX or she will state my account was closed for misuse. If I miss used my account, why would she open it if I paid the {$400.00}? Thats extortion.
10/30/2022	Yes	Checking or savings account Savings account	Managing an account Banking errors	NY 11215	Web
In XXXX I opened a Popular Direct XXXX account after seeing that they offered a high-yield savings account with competitive rates. The interest rate was around 2.5 %. I've had the account three years and have wondered why the interest I've been paid this whole time seems much, much lower. Only now do I realize that they gave me a different savings account with misleading information - the interest rate still shows in the 2.5 % range, but the " APY '' has only between .5 % and .75 % since sometime in the middle of XXXX. My current statement shows the 2.46 % rate but also the much lower APY. I did not understand the difference between these numbers. This is false and misleading advertising- my statement shows the 2.5 % interest rate and in my view, the bank owes me 3 years of back-interest at the advertised face interest rate. When you go to their main page advertising their savings accounts, they advertise a 2.5 % APY and now I see there is a footnote that says that APY only applies to " High Rise Savings '' accounts. I was on this similar page when I opened my account up 3 years ago and clicking to open an account did not open a " High Rise Savings '' account - they put me in something called " Ultimate Savings '' which looks like the same face interest rate but somehow they are getting away with paying only a miniscule APY.
07/05/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	WA 98102	Web
On XX/XX/2019 I made a {$20.00} purchase with the credit card in issue, which I have had for the past 10 years and have always paid on time ( as shown on my credit score ). I submitted the payment of {$20.00} to this credit card on XX/XX/2019 ( 5 Days later ) to return my balance to {$0.00}. But for some reason my payment got rejected, and the bank NEVER notified me of this incident! Not a single email or phone call or text message saying " Your payment got rejected, please verify and try again ''. 2 months passed and the bank never notified me of this incident. The only way I found out was when I received an email notifying me that my credit card score had been affected by XXXX points because I didn't make this payment of {$20.00} on time. I proceeded to call the bank and they explained that the payment got rejected because when I created the " payment information '' I used the wrong routing number. Which is unbelievable since I use the same checking account to pay the other credit cards within the same bank that issued this credit card! Again, I use the same checking account to make successful payments to the other credit cards within the same bank, but for this {$20.00} charge, my bank information is invalid, my payment rejected, I was not alerted of any of this, and my credit score goes down XXXX points. Unbelievable!
10/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 303XX	Web
XXXX BANCO POPULAR XXXX XXXX XXXXXXXX XXXX XXXX id XXXX is reporting incorrect information to XXXX. it is reporting 149 days late from XX/XX/2021 to XXXX XXXX and it is over 300 days late. please close account and remove from my credit report., ... ... XXXX. XXXX ID : XXXX Is reporting inaccurate information on my XXXX credit report.from XXXX of 2021 to now they are reporting my account as 149 days late. I have submitted several disputes through cfpb but XXXX keeps verifying the account as accurate.This account is over 300 days late and should be closed. Please remove this inaccurate information from my XXXX credit reportXXXX/ BANCO POPULAR XXXX XXXX XXXX reporting inaccurate information. Please block and delete this account from my credit report. XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 249 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 291 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 321 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 354 days XXXX XXXX XX/XX/2021 is more than 149 days late, as of XXXX this account is more than 300 days late. Please block and delete this inaccurate information
12/15/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	NY 10704	Web
On XX/XX/XXXX I was charged {$3.00} in interest because they say I only paid {$200.00} instead of XXXX I can only pay what the website shows me is due. I would not have sent in XXXX if the bill was XXXX. XXXX is not an even number. I then sent in XXXX XXXX XXXX XXXX. Next statement says I made {$950.00} in payments. Clearly the previous XXXX should have been paid and all or most of the next months bill should have been paid. Well I was charged another {$9.00} in interest. I asked on what balance? I was told the whole balance. I said but you received payments and did not take that into account. I do not receive statements and I pay my bills early to every credit card I have. I am never delinquent. Their website is very antiquated and lacking information. I pay the amount given to me and it seems every month I am behind somehow and accrue interest. This is a rewards card that has no rewards page. I can not see any transaction history anywhere on the site. When I ask about it I am told to take their word about. it. I asked for paper statements maybe it will have it on there. My website says I am supposed to get paper statements but their website says Im on paperless. I am never late however when most companies were working with their customers this company just keeps adding interest even after receiving my payments.
08/29/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR XXXXX	Web
My company was sent a check but was received by an unknown person and deposited in his/her account. The check was correctly written to my office 's name ( XXXX XXXX XXXX XXXX XXXX ), was addressed correctly, but somehow ended up in somebody else 's hands. It appears to have been deposited by photo image, and not directly through a cashier. The check has an illegible endorsement and an account number which are not mine 's. The receiving bank has informed me that I do not have the authorization to request the withdrawal of the money from the account it was deposited ( Banco Popular de Puerto Rico -R/T : XXXX ; Acc. # XXXX ) The paying company ( XXXX XXXX ) has informed me that since they paid the check to the correct entity and mailed it to the correct address, they are not responsible for what happened to the check. Banco Popular de PR told me that only the payor, through its bank ( XXXX Bank ) can request the return of the money. The local Office of the Commissioner of Financial Institutions has also informed me that they do not handle this type of situation. It was they who referred me to you. I would like you to help me get the money from the person that fraudulently deposited it. I am not a customer of neither Banco Popular de PUerto Rico nor of XXXX Bank. My office 's account is in a local Cooperative.
02/05/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MD 21921	Web
My account went past due, due to issues with the mail. I called up to pay over the phone. I asked to pay the account off and to close the account. The lady told me the payoff amount which I paid, however the account couldn't be closed until the payment cleared. Which is not true for revolving credit lines, they can be closed with a balance. A few months later I opened a plain envelope to discover that I had a balance of several dollars. I called and they could not waive due to previous late fees waivers. I explained it was due to bank error and I am not responsible for a bank mistake. They had taken my payment as an account payoff. I asked for a return call from a supervisor since none was available. I never received one, nor did I receive one the next time I asked. I am trying to refinance my home and due to the impact of the delinquency on my credit card I did not qualify for the cheapest loan. I had to take one that is {$3000.00} more expensive in closing costs. The refinance can not close until this balance is gone. I called again today and paid the balance since they refuse to resolve the {$1.00} residual interest error that is now {$8.00} with more fees and interest. This is predatory and unacceptable practices. I would like the delinquency removed from my credit report and the {$8.00} refunded to me.
11/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Problem with personal statement of dispute	PR 00987	Web
I contacted Popular Auto ( Bank ) on the phone at XXXX at XXXXXXXX XXXX on XX/XX/XXXX or XXXX of XXXX to get preliminary information on car loan rates and rates for employees. During the call, I explicitly ask if the process will include a credit check which I did not want them to do. The employee said that the pre-qualification process did not. As I just wanted to know the rates for a car loan. A few days after I reviewed my credit report using XXXX XXXX and I see XXXX unauthorized hard inquiries, not one inquiry but two inquiries. I contacted Popular Bank ( Popular Auto ) as their controls did not flag the double inquiries, and even less the unauthorized inquiries. I confirmed on more than one occasion that my credit will not be touched during this process. I send the evidence of the double inquiry to the bank, and they responded on more than one occasion that I did authorize the inquiry. I only asked for evidence and their controls were inefficiently identifying the doble inquiries. They responded on more than one occasion that I did authorize the inquiries and that they do not provide evidence. The bank is famous for incidents like this, but I never expected something like this to happen to me, and even more that the bank did not care to fix the problem or provide evidence of an event or incident.
09/21/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	TX 782XX	Web
I applied for a credit card and was approved prior to XX/XX/2019. After activating the card received in the mail, I found there was a freeze on the card. I called the issuing bank and was told I need to verify my identity by submitting documents via email. I promptly complied. I have since been sent a bill from the issuing bank for the {$140.00} annual fee on the card that I promptly paid. Tried using the card a week later and charges are still being declined. Called the issuing bank again and they asked for the documents to be emailed to them again. I promptly complied. It has been almost 1 month since I opened the account and was charged/paid for the annual fee and I still have no use of the credit card whatsoever. No contact has been attempted by the issuing bank to resolve the matter and I have been charged/paid for a card that does not work. I was also entitled to a bonus offer where I must spend a certain amount within 90 days which has been shortened to 60 days because of their inability to unlock my account. I have no issues with this bank, my credit history, or any lender/bank and find this behavior to be unfair to the consumer. I've paid for something that can't be used and not been given a chance to earn the same bonus offer as other consumers with the exact same card and offer.
09/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00969	Web
I have a mortgage loan with Banco Popular for an apartment located in XXXX, XXXX XXXX. My original mortgage loan was with XXXX XXXX but, a few years ago, Banco Popular became the loan servicing company. I originated my loan on XXXX/XXXX/2006 for {$160000.00} and the outstanding balance to date is {$140000.00}. I am writing because the current loan balance appears to be greater than the appraisal value of the apartments in my complex, therefore, I am being unable to sell the property to cover the mortgage loan. When Banco Popular became the loan servicing company, I contacted them to try to reduce my monthly payment and see if any modifications could be made to the loan based on the new initiatives created by the government to assist homeowners in my situation. The bank representative stated that my only option was to refinance my loan but that would have resulted in a higher principal and additional closing costs. Currently, I am seriously considering transferring my property to Banco Popular in payment of my mortgage debt since I will not be able to renegotiate my monthly payments. My only concern is that this would significantly affect my credit. I am writing to the Consumer Financial Protection Bureau as my last resource before making the final decision.
03/30/2017	Yes	Credit card	Unsolicited issuance of credit card	UT 840XX	Web	Older American
I received a notice in the mail asking me to set up a pin for a credit card I did n't apply for or receive. I called and it was a very short message saying that I can validate the pin or request a new one. I ignored it. A few days later I received a credit card in the mail from Popular bank from XXXX XXXX. It was their XXXX Visa card. It had a limit of {$15000.00}. If someone was simply trying to steal my ID they would n't have sent the card to me so I then questioned whether Popular Bank was behind this or someone at their bank was doing this in the hope that I would validate the card and then use it. I called the bank on XX/XX/XXXX and they were evasive, they transferred me to their fraud department who said they would get back with me. Today is the XX/XX/XXXX, I have not heard anything so I called again. The customer care department wanted me to give them a lot of additional personal information, which I refused to do ( Birth date, full SS number, etc. ) I was transferred to the fraud department who claim the account has been canceled and I have n't received any response from them due to the large number of issues with which they are dealing. They said it would be 30 days. I really think something is going on with this bank that deserves your attention.
08/10/2021	Yes	Mortgage FHA mortgage	Incorrect information on your report Information belongs to someone else	PR XXXXX	Web	Older American
On XX/XX/2017, submitted all the necessary documentation of property ownership due to inheritance to the citys county and Banco Popular along with paying all the outstanding back taxes along with submitting my proof of income in order to get a new FHA mortgage loan approval on the property I signed the loan as owner of my property for the new mortgage loan but when I looked at my credit report I was not reported as me being a homeowner or even being an owner of my property along with paying for the loan and when I asked the bank why they responded the property was still in the name of my deceased parents and asked them hows that possible when I signed for the new mortgage loan not my deceased parents and they responded that I did the mortgage with loss Mitagition Dept not the change of ownership but I informed them the loan was under Banco Popular homeowners loan not loss Mitagition Dept they still insisted on me repeating the same process I did on XX/XX/2017 in order for to obtained the loan under my name which is unfair along with the fact the credit report will only show that I obtained the loan just recently when I fact I have been paying my loans faithfully as scheduled and I should received my due credit for paying my loan in a timely manner
01/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33177	Web
To whom it May concern : Serve this to claim a false report on my credit. I recently applied for a loan to a credit agency to acquire a property, to my surprise, the report shows some alleged miss payments. The agent who helps us with the application provided me with the report to be able to claim these allegations. These alleged non-payments are reported in XXXX which I do not recognize since I was making monthly payments. When the account is transferred to Banco Popular, continue with it making monthly payments until XX/XX/XXXX when it was closed. My acquisition of an account with Banco Popular of PR ( BPPR ) was through a change made by the banking institutions of Banco XXXX of XXXX XXXX and Banco Popular Puerto Rico. Once the institutions were joined, my XXXX bank credit account goes to the popular bank, for which BPPR assumes responsibility for it. The purpose of this claim is to remove these false allegations to my credit. I have tried to communicate in multiple ocations with agents of the Popular XXXX and they have not been able to help me with this diligence. I have contacted the different accrediting agencies ( XXXX XXXX ) which inform me that this request can only be made by the same bank that reported them, in this case BPPR.
12/21/2022	Yes	Checking or savings account Checking account	Managing an account Cashing a check	NY 11209	Web
On XXXX I discovered that there were XXXX forget checks in the amount of {$79000.00} ( XXXX ) and in the amount of {$2800.00} ( XXXX ) XXXXThese were faked and forget checks ( I still had a full book of checks including these XXXX in my possession ) .I immediately contacted the Police and made a report as well as went to the branch and made a report of fraud to seek a refund. On XXXX I received a refund for the smaller check- {$2800.00} but bank refused to refund {$7900.00} stating that my claim was Out of timeframe.Therechecks were clearly both signed and forget by same individual, couple of weeks apart. XXXX for {$7900.00} posted on XXXX, so my claim was made within 60 days of posting and within 1 day of discovery. I wrote to the bank asking them to provide terms of service, something showing the rules for making fraud claim and have not received a response. I have banked with this institution for XXXX XXXX, and have not been receiving any updates concerning 'timeframes ' for making claims for these type of account or situation. They clearly see that it is fraud since the refunded the other check but they are holding on to my funds. I have never had any withdrawals or checks against my account in the amount of more then XXXX dollars.
02/07/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PR XXXXX	Web
The problem is with my Banco Popular de Puerto Rico credit cards. Last XX/XX/XXXX, we purchased some windows from XXXX XXXX XXXX in PR for {$10000.00} plus {$2600.00} ( installation cost ). The deposit appeared on the XX/XX/XXXX statement and remaining balance charges appeared for the first time in the XX/XX/XXXX, statement. Even though the company offered 10 years warranty, as soon as they were installed we have noticed that the windows do not open/close properly, some mechanical parts broke, etc. This all happened in the middle of Hurricanes Irma and Maria problems in PR. We did our best to reach the seller and filed a complaint with them but there has been no response. Our last contact with the seller was on XX/XX/XXXX via email, but have not received any response. On XX/XX/XXXX, we filed a complaint with Banco Popular de PR, and today the Bank called to state that my complaint was late and that they were not going to process it. I understand the delay, but the bank should take into consideration that the quality of the purchased products could not be assessed before the windows were installed, that happened in XX/XX/XXXX. The bank should also take into account that the hurricanes were the main cause for the " delayed '' filing.
01/19/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00703	Web	Older American
On or around XXXX Doral Mortgage Bank had an aggressive campaign for mortgage lending.Around XXXX, XXXX XXXX I applied for a loan.I was awarded a XXXX loan of XXXX dollars at a 6.75 % APR.Around XXXX when interest went down I applied for refinancing at a lower rate.They denied me refinancing because the house had to be totally built in concrete.This made me wonder because they awarded me the loan when the house was not finished and they new exactly the condition and the materials the house was made of.Soon after that the Bank Disappeared .Popular Bank took over it 's assets .Around XXXX XXXX I tried with this Bank to refinance at a lower rate.They also denied me refinancing.They gave me more or less the same reasons as did Doral Mortgage with the added reason that I had to get a certification from a structural engineer.I wrote a few letters to this bank but no direct answer nor satisfactory explanation as to why the house was eligible in the first place for a XXXX Loan .I am XXXX years .I have a XXXX pension of XXXX dollars.I pay XXXX dollars mortgage and the Federal Board assign to the XXXX because our corrupt politicians drove the XXXX into banckruptcy will be cutting pensions down.This will be happening within the next 6 months.
08/12/2023	Yes	Checking or savings account Savings account	Closing an account Company closed your account	SC 29708	Web
I opened a saving account at Popular Direct to earn high interest. They closed my account after external transfer was complete from my XXXX XXXX XXXX account, they told me account is closed for unspecified security reasons but did not provide me specific details. I called many times and sent emails and they said they do not have access to the reason for closing. I have over 800 credit score. They finally send me email that we closed the account due to information on the XXXX report. I reviewed my XXXX report and all i see they bank inquires for non credit account verification but no reason for a bank to close my account. They are doing this to many customers so that they get short term funding for free and they close the accounts prior to an account is eligible to earn interest. Please see reviews at XXXX XXXX XXXX I had two account one with {$100.00} trial opening balance and other with XXXX. One opened in last XX/XX/2023 and other this week. In my Popular Account i see that they have refunded {$100.00} back to my XXXX XXXX XXXX account but in my XXXX XXXX XXXX account I do not see money coming in. XXXX has taken XXXX from my XXXX XXXX XXXX account despite they will close 2nd XXXX account. Bank website : XXXX XXXX XXXX
06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00915	Web
ACCOUNT DELETED ALREADY FROM XXXX BANK COULD NOT PROVE THE ACCOUNT WAS MINE AND IT SHOULD BE DELETED FROM XXXX AND XXXX XXXX XXXX Credit Card with account XXXX # XXXX ( XXXX Banco popular of Puerto Rico By XXXX XXXXXXXX XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. Please kindly assist with this matter. It is our policy to take each complaint seriously and to respond to complaints swiftly. We have reviewed and considered the information you supplied through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Please be advised that TRADE : XXXX XXXX is not reporting on your credit file. A letter outlining our findings was also mailed to the address on file. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With myXXXX you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.
07/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	PR 00953	Web
In 2019 Banco Popular, Creditor XXXX, inquired my credit in two times this year. Those inquiries were identified as Hard Inquiries rather than Soft Inquiries. The reason to understand that must be a soft inquiry is because my mortgage loan is under a Loss Mitigation review to achieve a loan modification because my unemployed. The inquires were performed in XX/XX/2019 and XX/XX/2019 I request to change the inquiries to a soft since the process working with Banco Popular is for a Loss Mitigation and not to request new credit. Below are the definitions as CFPB link. Hard inquiries. These are typically inquiries by lenders after you apply for credit. These inquiries will impact your credit score because most credit scoring models look at how recently and how frequently you apply for credit. Soft inquiries. These are reviews of your credit file, including reviews of existing accounts by lenders, prescreening inquiries by prospective lenders, and your requests for your annual credit report. These will not change your credit score. Additionally, Banco Popular must change the internal guidelines to any borrower who is working under the loss mitigation program all credit inquiries be identified as soft inquiry. Thank you!
05/03/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NY 10467	Web
OnXX/XX/XXXX a deposit was made to my account in the XXXX XXXX by my cousin of {$2000.00} to my account number XXXX. Once I was was told and after receiving receiving a copy of the deposit slip I proceeded to a branch of Banco Popular in New York on XXXX XXXX in the XXXX which was close to me. To my surprise My ATM as closed and Both of my accounts was closed unknown to me. I was assisted by the Manager of the Branch called the main Branch in Puerto Rico as was told my account was active but my ATM was closed and could not give me the reason why. Since that time I was advice to file a claim on XX/XX/XXXX at the Main Branch in Puerto Rico.the claim number in questions is REF : XXXX-XX/XX/XXXX. I kept calling as was told to call the XXXX XXXX was was a long distance XXXX on the XX/XX/XXXX. I was then told even though my account was closed I was making various transactions of which I was not aware because I only withdrew {$1000.00} of was was deposited to me a few months before. How was I able to withdraw money when to them my account was closed. I have a medical emergency of which a family member was helping out because of a fall I took in XX/XX/XXXX. Eagerly awaiting a speedy responce Regards XXXX XXXX
08/21/2018	Yes	Mortgage Conventional home mortgage	Problem with fraud alerts or security freezes	PR 00926	Web
Banco Popular mortgage has 2 properties or lots that used to be ours and are on each side of our house and the house 's mortgage is with Banco Popular, all 3 lots have unstable soils and cost close to $ XXXX millions to repair or cure the 50 feet deep of unprepared soil that we inherited and we gave Banco Popular the soil studies to confirm our situation, We could sell those properties but we had to deceive or commit fraud against the potential buyer so we got hit and lose a lot of our capital, Banco Popular are offering these properties without the full disclosure that we gave them and the new buyers want to construct residences without the curing and ignoring the history of land slides in these properties, we just did another soil study and comparative topography of the area and just to reconfirm that lots are unstable and are worst and if the curing is not done will affect our house that is in the middle, all of this is confirmed by my structural and soil engineers, what can you do to help us? we had to bankrupt under chapter XXXX to protect us, BPPR just don't care and keeps hurting others because if the expensive curing is not done will damage our house, the new residence and life can be in danger.
10/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	CA 91606	Web
Banco Popular continues to commit fraud by misrepresenting themselves as XXXX XXXX in a letter addressed to me in XXXX informing me that my card was going to be cancelled in XXXX but they didnt cancel the card or Freeze the card online as I had requested and instead allowed a charge to go through that resulted in late fees that they now refuse to remove so the account can be closed. A XXXX balance is not possible to achieve with this Parasitic Lender because they have devised their payment system to charge interest after the statement due date. For example, my statement balance is due on the XXXX and if I dont pay it by then I will be charged a late fee but the interest charges are placed on the card on the XXXX several days after you think your balance is at XXXX. If you missed the small interest charge it will result in a late and a missed payment fee. If you pay the interest by the statement date on the XXXX their will be yet another interest charge on the XXXX the cycle will continue in perpetuity. Banco Popular is just XXXX of the XXXX Parasitic Lenders that have attached themselves to me. And this is not just true for me but every single customer these Parasitic Lenders attach themselves to.
06/17/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 009XX	Web
I took out a $ XXXX mortgage on my apartment in XXXX, at 6 % interest ( XXXX XXXX XXXX monthly payment ). Before Covid, I had never missed a payment. My mortgage balance was around $ XXXX. Due to Covid, I had to take advantage of the moratoriums and I ended up with about XXXX XXXXXXXX in past due payments. I do not have $ XXXX to satisfy these past due payments so I reached out to my mortgage lender, Banco Popular de Puerto Rico, and requested information on loss mitigation alternatives. The alternative they gave me was a loan modification with an increased interest rate ( 6.75 % ) and an extension of the loan term to 30 years. So, now the only option I have, other than foreclosure, is to pay {$1100.00} a month for the next 30 years, for a XXXX XXXXXXXX loan. I paid my loan on time for the last 15 years and now I have to start all over again, 30 more years, just to lower the monthly payment {$300.00}. I will be paying the mortgage lender about XXXX XXXXXXXX, in addition to the approximately $ XXXX I have already paid just to keep my apartment which they recently appraised at around $ XXXX. If this is not bad faith, I don't know what it. They have given me no choice but to lose my home.
02/10/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Opening an account Unable to open an account	IL 60564	Web	Older American
I had opened two accounts with Popular Direct- {$50000.00} 2 year CD and Savings Account with {$5000.00}. Accounts were both opened normally without any issues in early XXXX. On XX/XX/XXXX, I asked about linking additional bank accounts to my savings account and I was informed that I could only link one account. Well, I had two already linked because each account was opened with money from a different bank. On XX/XX/XXXX, I asked for complete account number for my savings account and I was informed that they would not give me the number because they were closing my account. No reason was given. I was able to still access my accounts on XX/XX/XXXX, but on XX/XX/XXXX my access was blocked. No reason has been given. No formal communication has come from the bank - even though it has been requested three times now. I have no guarantees as to if I will get my money back. Customer Service says my accounts will be closed on XX/XX/XXXX - 10 days from now. And it will take another 3-5 business days from me to get my money. Customer Services response is that they can file a complaint. Thats it. How did they get a license to do business? And how do I get my {$55000.00} from them?
07/07/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Late or other fees	NY 117XX	Web
In XXXX, I was charged a {$15.00} fee because my balance went below {$5000.00} due to a bank error. The branch admitted the mistake and credited back the fee. They advised since it was their error the fee would not be charged again due to a low balance in XXXX. In XXXX, once again I was charged {$15.00} because my average collected balance was below {$5000.00}. However, the only activity was the charge of {$15.00} and the credit back of {$15.00}. I was assured that I would not be charged another incorrect maintenance fee. The branch was supposed to take care of this so it didn't happen again. I have had one issue after the next and am not happy. Once again, please credit back the {$15.00} since it was your error that caused it. Also, these errors are not going to impact the promotional terms and I will be collecting my promotional bonus of {$250.00} on XX/XX/XXXX. Please also make sure this does not happen again. I would suggest you put a fee waiver through XXXX, XXXX to make sure this doesn't keep happening. Since I was assured this would not happen again I am left with no choice but to also start filing complaints with government regulators to document this practice.
11/21/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	PR 00926	Web
I Have a used vehicle loan with Banco Popular XXXX XXXX XXXX, Puerto Rico since XX/XX/XXXX. I live with social security income, due to XXXX ( mental health ). I had to pay monthly partial payments due to my low budget. Also, another personal loan with the same financial institution. But since XX/XX/XXXX I was being intimidated with multiple calls, letters, threats with my credit status, ultimatums to SEIZE MY CAR. For months I made countless calls, visit the branch, emails, asking for another options or alternatives ; I begged for refinancing, extended payments or payments plan, vehicle replacement for a cheapest one, even for a loan renewal, neither the COVID-19 Emergency benefit. The bank keeps refusing help me, they just want their money included delay charges or the total balance of the unit for a loan due date of XXXX. Yesterday XX/XX/XXXX, I received another threat letter that I have to pay {$1100.00} in five days, or they seize the unit. I can not deal with this anymore, having XXXX and panic attacks and my mental health deterioration. I tried everything to settle an agreement with the bank but unsuccessfully. I AM BEGGING HELP, PLEASE. LEASE HELP, I AM BEGGING YOU
05/23/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00705	Web
The home in this complain has not been register in the Property Register Office in Puerto Rico since the Original Deed of the whole complex was declared nule by court. This has leave the property without a legal value position and has decreased dramatically in price and is not worth its Mortage value. After hurricane Maria hit Puerto Rico I stopped paying the mortage due to financial difficulties. I reached the bank on several occasions before regarding this Title problem, but was told to me that since I was up to date in payments no problem existed. I have decide that someone has to be held responsible to this legal title problem and subsequent and significant depreciation of value of the property. I was referred to the office of loss mitigation of the Bank ( Banco Popular de Puerto Rico ) over a month ago and explained in details the problem to the advisor. Recent title search verification was showed which details in the document that has not been presented to the Property Registrar office of Puerto Rico. This has leave me with a property and a mortage without title-deed and value. I was told that the legal department of XXXX XXXX will contact me. I am still waiting ...
01/11/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	PR 00949	Web
On XX/XX/XXXX, I contacted Banco Popular by phone and email for the payoff amount of my vehicle loan and the following day received the balance valid until XX/XX/XXXX. On XX/XX/XXXX, the full payment was submitted through their website and I informed the bank 's auto department about the final payment. Payment was confirmed and termination was in process. On XX/XX/XXXX, AutoPay submitted another monthly payment. I called customer service to have them cancel the AutoPay and requested a refund of the extra payment made by their system as their website does not allow customers to cancel such service. On XX/XX/XXXX, I went to the Popular Auto XXXX XXXX branch to collect my vehicle registration renewal that I had to pay even though they have not provided me the title of the vehicle. During my visit, I reiterated about getting a refund for the extra monthly payment taken from my bank account. As of XX/XX/XXXX, I have not received the title of my vehicle neither the refund of the payment. The refund should not be taking over 2 months to receive. In 2021, I still receive letters from Popular Auto requesting my insurance policy even though the vehicle loan has been paid off.
07/16/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 10456	Web
I am sumiting this complaint on my mother morgage with Banco Popular de Puerto Rico ( BPPR ), she pass away on XX/XX/XXXX i am the sole surviving son and executor of her last will and testament my residence is in NYC USA payments where miss and on a visit to PR for house maintanance discover Court papers to procede with sentence on the auction of the property, got in contact with the Lawyers that submitted the testament for advice and hire them for representation in PR, and temporarily has stopped the process.Since that time numerous attemps to reach an agreement or accomodation has not been offer or not even answer, from the begining i have stated that im willing to continue payments on the morgage my bank ( XXXX ) send two checks {$2000.00}, {$220.00} to cover until XX/XX/XXXX they proceeded to refund those checks on behalf on my deceased Mother to the address of the residence which is uninhabited by regular mail, in my view completely inproper and close to " mail fraud '', i don`t earn enough and have no collateral, meanwhile the days keep passing, lawyers continue billining and ( BPPR ) continues sending account statements but don`t allow to update the account
01/16/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	MA 01453	Web
Since XX/XX/XXXX I have been asking for the legal documents that established the terms and conditions of my mortgages where I appear as co-participant. I did receive one of them but the other was never sent it to me. Instead they send me an statement letter without any customer friendly information. I have called again in XX/XX/XXXX and requested the documents again. They stated at that time that the request was wrong because I used the term buying instead of refinancing documents. At that point they reported that they will send the documents on XX/XX/XXXX. Today, XX/XX/XXXX I called them again since I have not received the documents requested. This time they stated that they do not have the documents and that I will have to call the notary who notarized the documents in XX/XX/XXXXin order to request it from his office. It should be noted that this mortgage went to a modification process that I did not participated. However, I continued to be responsible for the payments but they have failed to provide the statement that I have signed and that makes me responsible in the credit report. If it is possible, I would like to speak to an Spanish speaking agent. Thank you.
03/12/2018	Yes	Mortgage VA mortgage	Trouble during payment process	PR 00987	Web	Servicemember
After XXXX XXXX hit us in Puerto Rico last XX/XX/XXXX that course Island wide devastation, the majority of local Bank and financing institution in Puerto Rico went publicly on T, V, and Radio to inform the they would be putting in effect a moratorium on there mortgage payments for all of local debs. Finally on XX/XX/XXXX, I finally meet with bank representative to discuss my case. At this meeting I was inform that since my mortgage was a veterans guarantee loan I would not have to worry for any monetary cost at all. After 5 months had transpired, second week of XX/XX/XXXX I received the notification that I have to pay my 5 months of mortgage, plus approximately {$800.00} in closing charges, something that was never inform by the Bank, and a practice not in accord in a disaster environment. I feel that I am being blackmail as well as discriminated by the Banco Popular of Puerto Rico. My mortgage account # XXXX XXXX XXXX XXXX XXXX P.R. XXXX. The person that work my case was XXXX : XXXX XXXX and her supervisor and XXXX XXXX XXXX Senior Vice president Lending services.XXXX -- XXXX. My Address is XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX, XXXX P.R.XXXX.
05/29/2021	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	PR 00915	Web
On XX/XX/2021 I filed two unauthorized transactions reports totaling to XXXX.I was told my banco popular that it takes 10 working days to recieve the provisional credit and that both of my disputes qualify for the credit.After 10 working days on XXXX XXXX I called banco popular customer service and as speaking to a representative I was informed that the bank made an supposedly error when I filed my report and yesterday when the 10 day finished to give me my credit they said they fixed the problem and I have to wait another 10 working days which when including the weekend is almost 15 days ( half a month ) and that it is not guaranteed that they will give me a credit.This bank lies and does many illegal practices to there customers here in Puerto Rico all the time.Ive called over 50 times within the 1 year that I've had my bank account to complain about different illegal stuff the bank does and the horrible customer service representatives it has that argue curse and hang up on people.this is constantly happening and needs to be stopped.Please investigate this banks practicing and the horrible customer service agents they have who treat the customers badly.
06/06/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PR 00921	Web
I was in the middle of a process of loss mitigation. On XXXX, the Bank asked for some documents. On XXXX XXXX, 2015, I sent ALL the documents requested through email, and the Bank officer replied " Received. Thank You ''. On XXXX, I got a letter closing my loss mitigation case because " I did n't send the requested documents '', and the Bank immediately referred my case to Executions. I reacted and proved that I had sent all the information requested. They apologized and continued with the case. They asked for more documents which I updated and provided. My case was open and ongoing when, to my surprise, I was notified with a Foreclosure Summary Claim! The Court has even set my case for trial. And I never got an answer from Loss Mitigation or alternatives I could use to prevent this. The Bank even lied openly on the Claim, affirming that they had a new appraisal of my house, when no appraiser has come to my house. The same Bank has even offered mortgage loans in my area for values under what I owe, provoking a legal discrepancy that affects older mortgages, like mine, that in 20 years, owes more than the value the Bank is attributing my neighbor 's houses.
05/01/2015	Yes	Bank account or service Checking account	Making/receiving payments, sending money	PR XXXXX	Web
I need your help because I understand I have been a scam victim of sales outboard XXXX XXXX with a bank account in the XXXX XXXX at XXXX, XXXX. On XXXX/XXXX/2015 I made a money transfer to XXXX XXXX head office location XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX related to a purchase of XXXX engineer to sales outboard XXXX XXXX. This purchase has not been received by today. This purchase was performed with all customs fee included. However, new fees for the custom were requested per vendor due to change of XXXX custom policies. These fees were pay with the warranty that if extra fees were requested, my money will be return with 48 hours. The new fees were requested, and then I requested my money back. I understand I am a victim of scam. My bank contacted the XXXX XXXX in order to reclaim my money {$8200.00} XXXX. The response per my bank was that the XXXX can not return the money back because their was not money it the vendors account. I have all the evidence of emails between me and the vendor with the warranty of get my money back. In addition I paid {$1900.00} US to XXXX customs through moneygrams transactions, I have evidence of all the payments.
08/25/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	TX 77584	Web
I sent two emails to Banco Popular in Puerto Rico. Dates sent : Thursday, XX/XX/2023 XXXXXXXX XXXX and XXXX XX/XX/2023 XXXXXXXX XXXX To : XXXX XXXX ; and a specific person who has the authority to respond. Subject : Urgent Request to Freeze Bank Account The email contains my mother 's full name, my official duty as her XXXX my mother 's SSA number, the bank account number, the death certificate, my contact info, offered to furnish evidence of my identity to validate request as well as stating that I live outside of Puerto Rico. My email request did include : 1. Added to subject field and body of email " freeze '' my mother 's accounts, 2. provide statements, provide a response On numerous times, I have also called and was unsuccessful despite that the call center staff ( 3 ) stated that they would create a " claim '' and send a message. For any financial institution to know upfront that the inquiry is from someone who resides outside of PR, and for two separate bank locations to state that I would physically need to go directly to the branch to provide a death certificate, and not respond to a customer 's concern more than a month ago is unethical.
03/11/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 338XX	Web
I have tried to contact this company on several occasions because an account with them appears in my credit report but they can not validate any type of account information because they do not have information about this account. The last time I spoke they gave me the number of an agency and I called them to ask them to validate the information of this account and this company called XXXX XXXXXXXX XXXX told me that this case was had by lawyers and that they had no information about me. bill. I contacted the law offices and they told me that they could not validate the information but that an account appeared with them to collect and that I would send them the police report to eliminate the account. More than 45 days ago I sent them documents to prove that this account is not mine and they still have not answered. I opened a dispute in XXXX and the dispute was completed but XXXX says that Banco Popular told them that the account can not be deleted. When I call Banco Popular they do not have any information about this account in their databases, so I do not understand how the experience says that Banco Popular said that they will not delete the account.
01/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NC 27610	Web	Older American
Week of XX/XX/2021, I called almost every day to check on the receipt of a {$80.00} bank certified check for payment. I called several times and each time I was told that the check had not been received by the bank. It was not until XX/XX/2021, that a representative with the bank explained to me that the check had been received on XX/XX/2021. I then asked for a supervisor to call me regarding 4-5 other representatives stating that the payment had NOT been received. As I attempted to place a stop payment on the check, that is when the bank admitted that the payment had been received. Since then I have called 4/5 times requesting a supervisor to call me regarding the wrong information that had been given to me for several days by several different representatives. To this day, no one has called me back. Each time I am told a superior is not available and that someone would call be back in 24 hours or 48 hours. No call whatsoever. I will be sending my payments and do not want to be given wrong information and having to go to my bank to verity receipt of the payment via USPS. the employees there appear to be very nonchalant and need serious retraining.
02/12/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	OR 972XX	Web
I did a balance transfer from my account with a promotional rate of 0 % for 12 months. I have not yet reached this 12 months and am paying the card. I could not remember how many months the promo rate was for and so searched my statement high and low and all the terms and conditions. NO information as to when the promo rate was to end. I subsequently called the credit card ( Popular Credit ) and asked when this promo rate ended. The CSR gave me one date then went away and came back to me with another date. I then told her that I really need to be able to see in writing as to when the promo rate is valid as I was not feeling confident in her shaky response. I asked where this was in all my information ( statement, online, etc. ). She said it was not posted anywhere. I proceeded to let her know that this is the only card I have that does not list CLEARLY ON the monthly statement as to when the promo rate will end allowing the consumer to plan accordingly as it can be easy to forget the original terms. ( I could not remember if it was 12 or 18 months ). I said that I think this could be illegal and predatory behavior on the part of the credit company.
04/10/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	PR 00987	Web
Let me start stating that this is the third time that I submit a complaint against Banco Popular de Puerto Rico. I own an apartment and unfortunately the financial institution that first gave me the mortgage does not longer exists. Because the economic situation in XXXX my apartment cost less than the amount I own to the bank and they said they can not offer me a refinance option. I got a letter on XX/XX/2015 stating that the only option I had was to contact lost mitigation, which I did. The person that evaluated my case told me that I was not eligible for a modification to my mortgage because I had an income deficit. I called back today after modifying my monthly expenses and I am still not eligible for the modification. I even included my husband 's salary as they suggested the first time we talked. How come they said I do not have the means to pay if I have been paying this apartment for the last 10 or so years? What I want is for Banco Popular de Puerto Rico to modify my mortgage loan or to give me a streamline mortgage or anything that does not include surrender my apartment to them, which was the only option the person on the phone gave me.
01/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33351	Web
I have had numerous problems with Banco Popular. I have a home mortgage with them. They have sent my payments back into my bank account instead of applying them to my loan payments and they ruined my credit score by several hundred. Had to report them for that. Now they have not reported my XXXX/XXXX/XXXX XXXX mortgage payments on my bank account. The incorrect loan amount is on my credit scores and my bank account. I emailed them every day to complain so I have it in writing and no one will fix the problem. This has been going on since XXXX XXXX. They also never send me my monthly statements, I will get one month then not another. I can not believe this bank is so slow to fix a HUGE problem that is effecting my credit scores. I have the credit bureau also looking into this with disputes but still no reponse from this bank. This bank should be fined, put on probation and monitored for a year. I want all my past monthly statements, my loan amount to be up to date EVERY month and to update all credit bureaus monthly for the duration of this loan. If they can not do this then sell my loan to a reputable bank with all the same parameters remaining.
10/29/2015	Yes	Money transfers International money transfer	Money was not available when promised	PR XXXXX	Web
On XXXX XXXX a wire transfer of {$23000.00} was made through Popular Bank from a corporate account in XXXX XXXX to a supplier 's corporate account in XXXX Bank, XXXX. To this date XXXX/XXXX/2015 the funds have not been received by the beneficiary. After numerous contacts and follow ups with Popular Bank 's representative we have been provided with little information as to what is going on. The bank charged me {$20.00} to do a TRACE on the transaction and 10 days later i still do n't have an official answer. after numerouse follow ups Popular Bank finally informed me that the funds were being withheld by XXXX XXXX XXXX XXXX XXXX bank ) because of an XXXX regulation. I verify the XXXX list and my supplier is not listed by XXXX and I ask the bank about it and they do n't know what the issue is because its XXXX XXXX XXXX holding the funds. On XXXX XXXX, Popular Bank informs me I need to provide additional information from the beneficiary, this information was provided the same day. Ten days have gone by and still we have no answer nor explanation as to why the money has not reached its destination or been re-deposited in my corporate account.
12/30/2022	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	SC 29526	Web
My father, XXXX XXXX XXXX XXXX XXXX, born on XX/XX/XXXX, died on XX/XX/XXXX. I contacted the bank about the funds in his checking account, Popular bank in Puerto Rico corporate office. They informed me that they requested Proof that my sister and I were the only heirs to the funds in the account. We needed the funds to cover my funeral cost. We submitted the Proof from XXXX XXXX XXXX XXXX in XXXXXXXX XXXX that we were the succeeding executor on the account. Weeks later, after submitting the evidence that they required Proof of death, Proof that my sister and I are the only heirs verified with the courthouse in my jurisdiction and where my father had passed away. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX manager at the time. To receive those funds, we would have to fly to Puerto Rico at our expense, Lodge, at our own cost and hire a local attorney to Verify our identity at our own expense. At this time, I want to know what happened to the funds in my fathers ' account did ; any unauthorized access has been made If the funds are recoverable to resolve the burial obligation.
10/24/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	PR 00971	Web
In XX/XX/XXXX I accepted an offer on a credit card made by Banco Popular de Puerto Rico ( " BPPR ). The offer was for 12 months interest free credit card for all transferred balances within the first three months of the card. Transfers were made within the first month. No other charges have been made to the credit card. To my surprise BPPR started charging interests to my account since XX/XX/XXXX. To this date they have charged a total amount of interests of {$1700.00}. A complaint was made on XX/XX/XXXX with BPPR ( Complaint Number XXXX XXXX, XXXX ) but they still charging interests on the pending balance. Furthermore, no credit has been made to correct the interests charged in breach of the credit card agreement. The situation is affecting my credit since the balance reported to the credit agencies fails to show the correct owed balance. To this date more than sixty days has passed since the complaint was made and the have done nothing to correct it. Although it was informed to them that I was in the process of a credit transaction with a financial institution and the situation was affecting my credit possibilities.
08/12/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	NC 282XX	Web
I received my card and the first statement closed a few days later, which included the annual fee, which I paid. Then the first month I tried using the card and at every transaction the card would be blocked with a fraud hold, so I 'd have to call to get it cleared. How annoying!!! Today I tried to use the card and it would n't work again! I received a phone call a few minutes later asking me to call XXXX XXXX XXXX to verify some possibly fraudulent transactions. I called and the person was unable to help me because there is now an access code on my account, so they transferred me to the Fraud Department. The Fraud Department claimed that they could not verify the possibly fraudulent transactions because somebody is reviewing my account. They said they did n't know how long the review could take and it could be indefinite. This is getting ridiculous! I have never had a credit card that is so hard to use! It 's like work using this card and I 'm beginning to doubt that it 'll ever work! The customer experience and customer service from this bank is horrendous! I 've never dealt with such a horrible company!
07/31/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 00603	Web
Popular Mortgage assigned the appraisal firm XXXX XXXX XXXX XXXX XXXX to carry out the appraisal of unit XXXX XXXX XXXX XXXX XXXX, XXXX, P.R. XXXX XXXX XXXX XXXX XXXX ' appraisal report for apartment XXXX XXXX XXXX XXXX states that the appraised value is {$170000.00}. The appraisal report has errors and inconsistencies for this reason I request a reconsideration of the appraisal. The report reflects that the appraisal firm XXXX XXXX XXXX XXXX XXXX is not familiar with the supply and demand of real estate in the municipality of XXXX, Puerto Rico or has the intention of representing the market incorrectly and attributing an appraised value inconsistent with reality and in this way, I wont be able to benefit from the most attractive product that Popular Mortgage qualifies me for. Popular Mortgage and XXXX XXXX XXXX XXXX XXXX are formally requested to evaluate all the data provided and make the necessary adjustments to reflect the appraised value of the XXXX XXXX Cond Sea View based on the information available and the reality of the market. Otherwise I request a reimbursement of appraisal amount {$580.00}.
04/03/2018	Yes	Checking or savings account Checking account	Closing an account Fees charged for closing account	FL 33138	Web	Servicemember
I have been trying to close this account for a month. They told me to withdraw the money and I would be able to close the account. I withdrew the money and called to close the account. They said that I had to wait 5-10 for the balance to show up as XXXX. I waited and then called to close the account. These scam artists told me that I couldn't close the account because I owed {$260.00}. I told them that I was going to file a federal complaint -2 secs later the man said I know " I just checked the account and it now has a XXXX balance so I will submit the paperwork and you can call back in 5-10 more days when the account will be closed. '' That is only because I threatened to file a federal complaint. I spoke with XXXX XXXX at XXXX XXXX XXXX at XXXX on XX/XX/18 regarding claim number XXXX. If you pull the call, you will here him trying to scam me. This bank is probably scamming people left and right. I need this account closed! The hold time for each call is 45 minutes to an hour and a half! Every. Single. Call. I want this account closed and I am not paying these scammers any money to close it.
09/23/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NY 10301	Web
The credit card 's annual membership fee posted on XX/XX/2020 of {$140.00}. I called in and spoke with a representative and informed them I was not interested in paying the annual fee and did not want to renew for another year of membership and told them to close my account. The representative proceeded to close my account. The representative made no mention that I still had to pay the fee that is on the account. I called the bank back 2 weeks later since I still see the fee was still in the account and not refunded back, even though my account is now closed. The representative I spoke with now advised that I have to pay the fee and that they can not remove it and that they can not do anything because their hands are tied. I even asked to speak with their manager, and they would not let me speak with their manager and also advised they can not do anything. As a result, I am being charged for something that I will not be receiving any benefits for. This is basically the bank stealing from their customer. I am being forced to pay for the annual fee where I will not be receiving anything back.
01/28/2019	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	PA 18504	Web
I have tried twice to open a Checking account in the state of XXXX ( XX/XX/XXXX & XX/XX/XXXX ), Both times i have been declined in doing so. I have contacted XXXX XXXX and i was provided with the details that are on my file. My current bank ( since XXXX ) Banco Popular de Puerto Rico has put something on my file which says the following : Unpaid : {$0.00} Contribution Reason : " Transacting with an account in an unauthorized or prohibited manner ''. That makes absolutely no sense. I called my bank and told them the feedback i received and their answer was " there should be no reason why you should not be able to open an account ''. So i do not understand what my next move should be. I have never ever in my 32 years had a negative experience with any bank. Never had i once had a negative withdraw or very low balance in my account. I have had my Savings account with Banco Popular since XXXX. I use that account for everything and would like to open a checking account in XXXX because i am not living in XXXX XXXX at the moment. I could open a checking with Popular but i do not reside there.
12/16/2015	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	PR 009XX	Web
I completed a Streamline Refinance application with Banco Popular de Puerto Rico and on XXXX XXXX, 2015 received the initial Loan Estimate. On XXXX XXXX, 2015 I personally signed the disclosures at the nearest branch ; this same day I was charged the origination fee. As requested by the loan originator, XXXX XXXX, I proceeded to gather various documents needed to complete the file, including copy of my drivers license, utility bill and copy of my Social Security Card, and all were sent by email on or before XXXX XXXX, 2015. On XXXX XXXX, 2015 I received a letter by regular mail from Banco Popular indicating that in order to submit the application for approval, I neede to send the same documents previously provided, the SS card, driver 's license and utility bill. The documents were emailed to loan processor once again. Afterwards, I have made various attempts to verify the status of my application without obtaining any decision from Banco Popular. More than 45 days have passed since loan application without a decision and I fear they will change the offer I received for this transaction.
07/31/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	GA 30092	Web
This relates to prior CFPB Complaint XXXX which XXXX XXXX closed as resolved hower it was not closed appropriately and no further steps were taken to remediate the issue despite providing that feedback via the CFPB portal. Despite the account being closed and prior fees reimbursed, the bank continues to suffer from bank errors and charged interest on a closed account ( on fees that have been reimbursed due to bank error - same as before ) and now the account has a balance of XXXX. Additionally, only reporting for one credit bureau has been remediated as part of the prior CFPB complaint XXXX ( XXXX ), leaving the remaining bureaus with incorrect information which has decreased my score and does not allow me to get further credit ( XXXX and XXXX ). Please fix this immediately and fix these systematic bank errors which are probably affecting all the customers in this situation. It seems the bank has an existing problem where after the fees have been removed/refunded, it continues to charge interest on the removed fees when those fees should not be charged. Sincerely, XXXX XXXX
06/30/2023	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PR 009XX	Web
I inherited a property from my parents. My parents acquired the property a second home in XXXX. They originally signed a mortgage note with XXXXXXXX XXXX and XXXX. XXXXXXXX XXXX sold the mortgage note to Doral XXXX which no longer exists in Puerto Rico because they committed fraud. In XXXX my mother payoff the mortgage note to Doral XXXX. I have copy of a manager 's check. All assets of Doral XXXX XXXX were acquired by Banco Popular de Puerto Rico in XXXX. I went to Popular XXXX XXXX and they told me they only have documents from XXXX. The problem I have I need to sell the property because I am divorcing and need the money to buy an apartment since the property I inherited is too far away from my job. In order to do that my lawyer needs a letter informing that the mortgage note is paid in full, to start judicial proceedings for a lost mortgage note. I telephoned FDIC and they referred me to Federal Reserve. Federal Reserve answer me telling to contact your agency to solve my problem. Please Help me, I feel like I am a ping ball going agency through agency and nobody delivers.
02/17/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	CA 93551	Web	Older American
Popular Directs contact # XXXX. Opened a CD with PD on XX/XX/23 and did not receive a confirmation email or account #. I have been a victim of several hacked banks, etc : XXXX, XXXX, medical, etc, so I did not want to give the phone rep my full social and, of course without the social and no confirmation #, they would not help me. Spoke with a number of reps, XXXX, XXXX, XXXX and supervisor, XXXX. I was told to send a copy of my ID and a copy of a utility bill to them, which I did and received a confirmation email on XX/XX/23 for the documents I emailed to them. I called today, XX/XX/23 to get my account # and XXXX would not help me without my SS # or the non-existent account #. Personally, I have not come across any banks that ask for the full SS #., so that seems odd. The money, {$49000.00} was taken from my account, XXXX on XX/XX/23. If they do not provide me with an account #, how can I remove my money at the maturity date? I feel they have stolen my money, since they refuse to give me an account #. The bank does not have a stationary address and is an online bank, only.
04/19/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	PR 00923	Web
I was contacted through XXXX by an alleged military man who for 2 months based on deceit convinced me to make 2 wire transfers, the first for {$3600.00} and the second for {$12000.00}. I have evidence of the same. He was an alleged soldier based in XXXX and struck up a friendship after an alleged personal interest, in an alleged mission he was awarded {$400000.00} for his performance and for having saved the lives of some hostages, but due to his situation and security he could not be kept safe. he that money. He told me that his mother had passed away, his father had XXXX and he had no one. Believing that he was not going to involve something monetary on my part, I agreed because there was already an affection and he knows how to gain my trust. Then a supposed shipping company writes to me called the package is being held by customs and in order for it to be sent to its final destination, you must pay {$12000.00} to grant one of the permits. The transfer of {$12000.00} was made on XX/XX/2022 with the promise that it would be paid once the alleged money arrived.
08/30/2022	Yes	Mortgage FHA mortgage	Trouble during payment process	PR 009XX	Web
I purchased an abandoned home in XXXX and I have not missed a payment. The bank that owns the loan is Banco Popular de Puerto Rico. I remodeled it to be my home ( therefore it increased its value significantly ) and recently made a large payment to the principal balance of my loan. I qualify to request the cancellation of the mortgage insurance, which I did in XX/XX/XXXX ( confirmation # XXXX ). The application was supposed to be answered by XX/XX/XXXX, but the bank requested 15 additional days.That extension expired on XX/XX/XXXX. Two appraisals have been made. The bank has still not answered my application, and indeed after my complain to the bank they assigned a new confirmation number to my application, and are now telling me they have another 30 days to answer my request ( confirmation # XXXX ). The bank only tells me that it is the " investor '' ( which is XXXX XXXX ) who has not completed the process. In the meantime, they are forcing me to pay a monthly fee for an insurance I don't need ; and I qualify for its elimination according to the federal law.
11/29/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 00757	Web
Applying for existing mortgage, bank refusing to disclose the financier of the mortgage. Home owner called bank asking to disclose the required information, bank not willing to disclose. I have a change in circumstances since the origination of the mortgage, including the following : 1. Divorce in XXXX, ex spouse refusing to update financials to mask increase of income, therefore creating a financial hardship for the last 15 years. 2. I have a medical hardship, XXXX XXXX 3. I have a loss of income due to XXXX for the last two years to current, XXXX XXXX XXXX XXXX XXXX XXXX. I was not able to work due to XXXX. 4. I do not have the income to pay the current month of XXXX, and am in a financial hardship, by no fault of my own. 5. I am paying my lack of income via my credit cards, up to {$10000.00} at this time. 6. My home us underwater, home is lost value due to nation financial home crises. 7. Banco Popular the servicer has a history of not answering CFPB complaints, thus creating a artificial barrier to entry, and a form of home mortgage discrimination.
04/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 009XX	Web
This is the second time Banco Popular de Puerto Rico incorrectly reports to the credit bureaus/agencies ( XXXX, XXXX, etc. ) wrong information as if we have been late in our mortgage payment. I spoke with their mortgage division who contacted their credit Division confirming that we have perfect record since the start of the mortgage in XX/XX/XXXX until now. Their incorrect, inappropriate actions have caused to lower my credit scores from the 700s to 600s. I met in person and demanded a letter ... they gave me a letter but I do not trust this institution in them informing of their error to the respective credit bureaus. Dates - Discovered XX/XX/XXXX What - showing mortgage delinquency 90 days+ Amounts - Approximately three/4 payments $ XXXX/ {$16000.00} aprox. Actions- I went in person and called them. Again this happened again in XX/XX/XXXX ( they issued a letter after three days ). Had to go twice last week ( two letters from Banco Popular ) acknowledging their error without stating so on the letter. In the meantime they ruined my credit. Thank you
10/23/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	WA 98008	Web
This matter pertains to four issues : ( 1 ) This company has placed multiple claims in my credit report for the same item. I have disputed this and all items below a number of times without a single response from the company. The company has now sold the account, yet continues to list it as a damaging item in my credit. ( 2 ) This company is falsyfing information about last payments to claim this needs to remain in my credit longer than it already has been. They first claimed delinquency in 2008, when contacted them about proof they were not able to provide any. ( 3 ) This company never provided any evidence or substantiation to the amounts being reported. I engaged a lawyer to help me and this company refused to furnish any data. ( 4 ) This company sold the alleged debt to a third party, continues to report this old item, while not being able to provide any data as to the source of this claim, dates, or any relevant information, and has not contacted me directly, rather it has called my mother and other family members and disclosed that I have a debt.
08/29/2018	Yes	Mortgage VA mortgage	Trouble during payment process	PR 00976	Web	Servicemember
After Hurricane XXXX XXXX ( servicing for VA in PR ) offered the Disaster Relief for the months of XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX. They didnt tell me that I had accruing interest on my loan since the past VA ( servicing ) XXXX Mortgage. At the time of the Disaster Relief option they did not tell any rulings of repayment. I keep calling and follow up the situation and without notification they affect my credit score and put my loan indiscriminate on default. I call and I talk to a BPPR representative to do pay by phone payments since XX/XX/XXXX thru XX/XX/XXXX but they never said that they received any keep a portion unapply to my loan. The numbers cause that supposly I have {$13000.00} in default even that I pay my monthly mortgage payment of $! XXXX. BPPR as servicer for you as qualified mortgage in VA are not in compliance with the CFPB mortgage rules. I need your help because as a retired VA I deserved my rights protected and stop living with all this anxiety not only for the financial issues and family inestability cause for this situation.
05/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00949	Web	Servicemember
I submitted a complaint on XX/XX/XXXX case number ( XXXX ) in which Banco Popular answered to XXXX CFPB saying that they tried to reach me on several ocasions which is a lie. I called like they instructed me before XX/XX/XXXX in which XXXX XXXX XXXX who is encharge of my loss mitigation process told me to wait for his call that we were going to be signing the documents at the begining of XXXX. Banco Popular has never contacted me. I was contacted by XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX to be exact in concern with the loan modification papers because she is the loan officer from XXXX and havent received the loan modification papers. Now the Court wants to remove me and my family from my house. I want CFPB to not accept any explanation from Banco Popular. Get from Banco Popular The name of the Manger of the bank and tell CFPB a date when I am suppose to be at the Banco Popular. For me to get a contact number in CFPB for that same date for me to call. Banco Popular hasnt allow me to keep on making my monthly payments.
09/17/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Problem with balance transfer	PR 00976	Web
On XX/XX/2023, I initiated a balance transfer as part of a no fee, 0 % apr promo from my XXXX account to another account with a different financial institution. Unfortunately, XXXX made a critical error by inputting the wrong recipient account number during the transfer. I provided the correct recipient account number at the time of the request. As a result of XXXX 's error, the funds, totaling {$2900.00}, were deposited into the incorrect recipient account. I immediately contacted XXXX to report the mistake and provided them with the correct recipient account number. They assured me that they would open an investigation to resolve the issue promptly. Despite their assurance, it has been more than a month, and there has been no resolution to this matter. Meanwhile, XXXX continues to hold my XXXX XXXX, causing me financial hardship and inconvenience. I have reached out to BPPR multiple times seeking updates on the investigation, but I have received no concrete information about when this issue will be resolved and my funds returned.
09/25/2020	Yes	Mortgage VA mortgage	Trouble during payment process	PR XXXXX	Web	Older American, Servicemember
Have my VA mortgage with banco popular and my homeowners insurance with XXXX.The premium is paid out of the mortgage escrow account.I have had XXXX insured the property for several years.Last month I attempted to claim damages from tropical storm Laura they informed me that my coverage had been canceled on XXXX banco Popular and they informed that policy XXXX was in force through XXXX of XXXX called XXXX and told them that the bank informed me that the insurance was active.When I informed them of the policy # XXXX XXXX, I was told that policy had been canceled in XXXX of this year.Troubling fact of this endless scenario is that in the XXXX century we have email and mobile phones and neither of these devices were due by the mortgage server or XXXX to inform me of the great perils I was facing.I a XXXX XXXX veteran who served with the XXXX.I struggle with XXXX but attempt to live a normal and productive live.Please help I have been railroaded believe by both companies.Also believe I have over paid my insurance through both companies.
09/27/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TN 37343	Web
There were multiple charges for gas stations in Florida on XX/XX/XXXX-XX/XX/11of 2019 ( probably 8-10 each XXXX to XXXX dollars ). I talked to someone on XX/XX/XXXX from the CC and was told I was not responsible for the charges and to destroy my card and was issued a new one. After a few day passed, more charges were let through. I called again and and spoke and was told that I would have to sign something and mail it back then they would investigate the charge. Everytime you call the #, which is the only way to contact them, you will be waiting a minimum 45 minutes. Very inconvenient with a full time job. I have also been charged finance charges on the fraudulent activity. I just wish to close my account as soon as possible, but a separate issue about a medical facility taking months to issue my refund and they apparently refuse to issue or can't cause my CC # changed has me sort of tied to my CC if I don't want to lose XXXX dollars. I tried faxing a dispute and talking to a CC rep about this and I get no where. Refuse to help.
03/28/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	NY 10022	Web
I opened Banco Popular XXXX credit card in XX/XX/XXXX and decided to cancel my card before I hit my annual fee in XX/XX/XXXX. I canceled it in XX/XX/XXXX through phone but I have been informed that there was no record of me canceling and has been charged annual fee/interest/late fee. I did call today XX/XX/XXXX to cancel and they did inform me that there is record of me calling in XX/XX/XXXXbut they don't know what that call was about. This is total fraud and they should share the record call and validate that I did cancel in XX/XX/XXXX. No company should run like this to get some extra fees on what I was known to be a " closed account '' I am sure Banco Popular customer service team sub-par so they probably won't even record/listen my calls or even read this CFPB complaints This fraudulant activity has lowered my credit score as I did not know that my account was open and they charged me annual fee/late fee/interest off of annual fee Please audit Banco Popular on how they are running their business and customer services
06/22/2017	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 00736	Web
Dear Consumer Financial Protection Bureau Representative : Several week ago, an official from Banco Popular de Puerto Rico ( BPPR ) called me with some alternatives for the refinance of my actual Convectional Mortgage with BPPR, using the Federal HARP Program. The bank official offered several alternatives with different scenarios ( years and mortgage rate on interests ). During the call, I request a couple of days to decide with my family among the different refinance alternatives proposed by the Bank official. He promised to call me again in two days, and I promised him that in two days I will decide among the different alternatives proposed. In facts, I was very interested in refinance my current mortgage for a new mortgage for 15 years at 3.50 interest rate. This is one the alternatives offered by the official. The official NEVER call again. I need to refinance urgently, because the mortgage interests are changing rapidly. JXXXX XXXX XXXXs de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Puerto Rico XXXX
10/03/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 28092	Web
My name is XXXX XXXX During the last few months, I starting a process to sell my house to a short sale. I got the service of XXXX XXXX in XXXX XXXX. We supposed to get an answer on XX/XX/2022. As today I don't have any phone calls for the bank to let me know the status. Following are the events that have occurred since the process started : XX/XX/XXXX, XXXX the Realtors sent the package to Loss Mitigation BPPR via email XX/XX/2022 an email was sent to Loss Mitigation asking for the status of this case XX/XX/2022 XXXX XXXX sent an email to loss Mitigation with some documents requested to me On XX/XX/2022 The professional in charge of the appraisal visited the property I never received the appraisal The Realtor have made many calls to Loss Mitigation and in all of this calls the answer has been that the investor is still analyzing the case I am very frustrated with this case. It has been almost four ( 4 ) months since we started the process and still no communication I need help, I dont want to lose my property
04/29/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 33040	Web	Servicemember
I bought a house in XXXX XXXX in XXXX This house was bought under the l124. law.The agreement was we have to live at the house 5 years to avoid penalties for. We live the house for 9 years and then I transferred to XXXX due the XXXX base closure in XXXX XXXX. I continued to pay the house. Now the bank ( Popular Mortgage ) and the XXXX XXXX XXXX XXXX ( housing ) are charging me a panalty of {$14000.00} I provided paperwork with my transfer date on XXXX, copy of the water bills on XXXX, I couldn't provide de electric bill because they don't have records on my name. I been fighting with them for months and the penal still shows in my statement. The Bank is Popular Mortgage and the loan number is : XXXX House is located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX I need to gets this sort out,? I don't why is being so difficult, I'm trying to pay off the balance {$26000.00} aprox Thank you
11/11/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	GA 30305	Web
I called into Popular Credit Services around XX/XX/2021 to cancel my XXXX XXXX credit card. The annual fee appeared on that monthly statement, and I no longer felt the card was worth the fee. When I called in, the representative assured me the card would be closed and annual fee credited. I had made a purchase in the amount of {$33.00} that was also on the statement, so I sent in the payment for {$33.00}, with the rest of the amount due ( {$59.00}, so XXXX = XXXX total on the statement ) to be credited due to canceling the card. After traveling for two weeks, I returned home to find two credit card statements and a notice of late payment, showing the {$59.00} was never credited and assumedly the account still open. Due to the apparent non-timely delivery of the statements, the current balance is purported to be {$59.00} + {$0.00} interest + $ {$29.00} late payment fee + {$0.00} interest. None of this is justified as the original {$59.00} should have been credited due to calling in to close the card.
12/15/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	TX 762XX	Web	Servicemember
I opened a Banco Popular sponsored credit card offering 65,000 miles to XXXX XXXX after paying a {$140.00} fee and making an initial purchase. The card was opened on XXXX XXXX XXXX and I spent around {$900.00} plus they deducted the {$140.00} annual fee immediately. I made my payments on time and did n't use the card since. The spending commitment was made on time. After not receiving the points by XXXX XXXX, I called Banco Popular at the number on the back of the card ( XXXX XXXX XXXX. I was informed that the points will show up in the avianca lifeMiles matter of weeks. After not receiving any points as of XXXX XXXX, XXXX I called Banco Popular and spent appx 40 minutes being passed around with only, this is the wrong department, your account has been closed. I checked with XXXX XXXX and saw that Banco Popular closed my account in late XXXX XXXX. I received no refund on the {$140.00} annual fee, and was not informed that the card was cancelled in any way ( such as a letter informing me XXXX.
07/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11746	Web
On or about XX/XX/XXXX I applied for a mortgage only to be denied because my credit card issuer Banco Popular reported inaccurate information to my credit file as being over 30 days late when in fact it was never 30 days late. I contacted Banco Popular on XX/XX/XXXX and upon speaking with a representative she advised the account was not in fact 30 days late and NEVER been 30 days late. She immediately opened an internal investigation with the credit department as well as with the credit bureau case # XXXX. The representative advised to follow up on XX/XX/XXXX for an account status or a representative will contact us. To date we have not heard anything from Banco Popular. Now while I do understand things can get mistakenly inputted this was a significant hit on my credit file because of inaccurate information being reported. Further, pursuant to the Fair Credit Reporting Act only accurate information should be reported to my credit file and I promptly request this matter be investigated and removed.
10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94086	Web
I applied for XXXX XXXX XXXX XXXX from Popular Credit Services ( a division of Banco Popular de Puerto Rico ) on XX/XX/XXXX. They told me that they approved the card but will not allow me to use the card and they will close the card if I couldn't give them some electrical or water bill with my name on it. I agreed that they will not charge me annual fee and can close my account. After that, I thought that things are resolved and the results are that my card was closed. However, I recently received alert from my credit monitoring indicating that : It looks like you settled an account with a lender. When you settle an account, you negotiate a lump-sum payment with your lender to pay back part of what you owe so that the rest is forgiven. INFORMATION FOUND Lender : BANCO POPULAR DE PUERT Settlement amount : {$0.00} Date status reported : XX/XX/XXXX That is a faulty information as I didn't even talk with the bank ( Banco Popular de Puerto Rico ) again and they mark this bad mark in my account.
06/09/2016	Yes	Credit card	Billing statement	NJ 07024	Web
It 's been very difficult working with this bank. ( 1 ) As you may have on file, I previously reported their unfair fees and penalties to your agency. Your agency helped me with this. ( 2 ) It 's been months, if not years, that their online payment system has been strange. It used to ask questions that were nonsensical. I finally called them to get things straightened out, and made a payment online. However, they said it was entered with the wrong information. They never proved it. It may be fraud. Yes, they charged me penalties. ( 3 ) Most recently, their business changed in some way, and the minimum due increased by about 50 % ( from {$59.00} to over {$90.00} ). I barely use the card. Today, I spoke with XXXX XXXX, and she said that my previous payments of {$59.00} ( the automated system 's minimum due ), had been too low. I was following what the automated system said. Most importantly, Their online system has been so messed up that I had to phone them in order to pay my bill.
10/26/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	TN 37042	Web	Older American
My late mother passed away a year ago. She left a creditcard with Banco Popular of Puerto in her name with a high balance. The credit card division has filed a lawsuit demanding payment. My Attorney XXXX XXXX XXXX has approached the credit card division of the bank and negotiated an agreement to pay off the outstanding balance from {$38000.00} to {$24000.00}. My surving father has two CD 's which add up to more than {$100000.00}. My Attorney suggested to the bank that one of the Cd 's be cash and the monies be applied towards the outstanding balance. The people at the consumer division of the Banco Popular refuse to do this. Neither I nor my XXXX sister have that kind of money. Could you folks please help me with this problem? I have dealt before with the bank 's Attorney XXXX XXXX XXXX XXXX at the banks legal division at XXXX ext. XXXX. I think the solution suggested makes common sense. Thank you for all previous help and may XXXX bless all of you! XXXX XXXX XXXX XXXX
04/21/2023	Yes	Mortgage VA mortgage	Closing on a mortgage	VA 22405	Web	Servicemember
I purchased a home in XXXX in 2013 from XXXX XXXX. A few months later Popular Bank purchased the loan. Now 10 years later, I moved to VA and found a buyer for the house. I XXXX with the federal government. Popular Bank failed to complete the necessary documents and there are multiple lines in the title, which I have been made responsible to fix because Popular Bank went out of compliance with the laws by failing to complete that transaction 10 years ago. Now I cant sell my house and this could have negative impacts to my credit and life because they did not clear their transaction with XXXX XXXX 10 years ago and are not doing a thing to fix it. I need urgent assistance to close this issue. This is not the first time they fail to process documents. I had to refinance my vehicle and they did not provide the vehicle title so I was forced to leave it behind. Now I have to pay extra to go back and try to figure that part out as well because they failed to do that too.
02/10/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00739	Web	Older American
I had an apointment with Loss Mitigation Depart. Banco Popular De Puerto Rico XX/XX/2018 XXXX. Appointment was issued by bank in a meeting requested by me to solve the moratorium situation I am because of the hurricanes disaster.At that moment I was offer a payment plan which I inform i was not in position of agreeing because of reduction of my incomes.They recommended loss mitigation. I waited 1hour and 5 minutes ( no problem ), lady last name XXXX, ( never told me her first name ), attended me, in 5 minutes literally 5 minutes, she told me that my loan investor do not accepts any alternative other than a payment plan or I could voluntarily can surrender my property.No other option was offer to me.I did not agree and she offered an appointment to come back to begin the process of surrounding the property voluntarily. Is a shame to receive attention like that by persons who do not realize the situation a customer is and the mental inconveniences that represent.
04/09/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MI XXXXX	Web
Banco Popular is recklessly reporting fraudulent transactions to XXXX, XXXX and XXXX. which are currently being investigated. Dropping my credit score 45 pts. I have a Banco Popular credit card with a balance of XXXX ( XXXX ) I have no idea why they have provided false information to all 3 credit bureaus stating my balance is {$11000.00}, which is over my credit limit of {$11000.00}. Back on XX/XX/2019, I reported fraud to Banco Popular, which totaled the entire amount, as I have never used this card, besides paying the annual fee. I talked to the fraud dept. twice, they were to be investigating. This was on XX/XX/2019. Yet, on XX/XX/2019, Banco Popular reported my balance to XXXX, XXXX and XXXX as {$11000.00}, meaning they included all the fraud charges in violation of the FCRA and the agreement i have with Banco Popular. SO besides Banco Popular violating the law, they have also knowingly and recklessly Breached our Agreement. An agreement they created.
07/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33634	Web
Hello - Back in XX/XX/2020, Banco Popular de Puerto Rico ( or Popular Services ) issued me a rewards MasterCard through XXXX XXXX XXXX XXXX. I transferred a balance from XXXX XXXX to them. I never received any monthly statements, calls, emails, etc. My bank has credit alert benefit and alerted me that Banco Popular reported me as not making payments and reported me late. I contacted them, immediately brought my account current with them and advised them I did not received any correspondence. I also asked them to correct the late payment notice on my credit, they said to contact you. I would just like to have the late notice removed from the report for this bank. I have a feeling you have received many complaints regarding this financial institution. I will be paying my account off fairly soon and closing this account. Please assist me or advise how I can remedy this. Thank you for time in advance. Sincerey, XXXX XXXX XXXX
05/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33594	Web
The account with BPPR XXXX XXXX should not be on my credit! This was a mortgage that was included in my Chapter XXXX Bankruptcy in XXXX and was discharged. The original creditor was XXXX XXXX XXXX in which BPPR XXXX XXXX somehow obtained the account from. XXXX is in clear violation for allowing this debt to be reported delinquent after it was discharged in a bankruptcy AND due to the fact the debt was cleared in XXXX, this is way passed the allowed 7 years to report to my credit report. One, it is illegal to repot this debt beyond the 7 years allowed per federal guidlines and two, the was discharged through a Bankruptcy so Banco Popular should not be reporting any balance. I attempted to have XXXX investigate and remove this on their own but they came back with it is staying on the credit as is. Attached are the bankruptcy docs showing XXXX XXXX ( original mortgage then transferred to Banco Popular ) being included in the bankruptcy.
08/27/2023	Yes	Checking or savings account Savings account	Closing an account Funds not received from closed account	WA 982XX	Web
I had a savings account with Popular Direct. https : //www.populardirect.com/ I had {$250000.00} total balance in the savings account accruing 5.35 % interest at the time Popular Direct closed my savings account. Popular Direct closed my account on XX/XX/XXXX, and sent my balance to my checking account at XXXX XXXX without paying me the 17 days of accrued interest, which would equate to {$630.00}. The transfer of {$250000.00} posted to my checking account on XX/XX/XXXX. I just noticed the transaction today, XX/XX/XXXX, and called Popular Direct to find out why they closed my account. They said because I didn't confirm I was the owner of my checking account at XXXX XXXX I asked why they didn't pay me the 17 days of accrued interest. She said because they closed my account before the XXXX XXXX of the month, when accrued interest is scheduled to be paid. They closed my account and kept my accrued interest. Doesn't seem right.
04/22/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	VI XXXXX	Web
Notice : Banco Popular XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I consumer have issues with the bank above. On the following description dates below. Here is the items, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I consumer discovered Fraudulent Activities on my Checking and Saving Account. Banco Popular Bank Failed and Refused to Disbursed my Funds for Payment to all my monthly merchants Account. It caused me the consumer high charges and late fees. I consumer tried to Resolved dispute with bank above. They Failed and Refused to work a Relationship with me the consumer. Notice it caused me Financial Reputation the bank informed and instructed to others companies that i consumer do not have funds in my Account which I do by a volume of deposit slips to show. Debit Cards was deliver out in my name without my Consent and I am a Senior, Victim of Identity Theft and ABUSIVE.
09/13/2017	Yes	Checking or savings account Checking account	Closing an account Can't close your account	FL XXXXX	Web	Older American, Servicemember
I left Puerto Rico on XX/XX/XXXX and have been trying to close my Banco Popular account since then. I have contacted them on four separate occasions trying to determine the amount of deposit required to zero the account for closure and have never received that information. All they continue to do is charge fees to the account and honor unauthorized debits to the account and still refuse to provide the amount necessary to zero the account. I have gotten to the point where I have no intention of paying any of their fees effective the date I ordered the account closed. Clearly all they are trying to do is continue collecting the fees while refusing to provide me the information I requested. On one occasion they simply sent me the amount of the checking account deficit without factoring in the credit from the savings account. I remain unable to close the account because they continue to refuse to provide my account balance.
12/19/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	CO XXXXX	Web
Applied for the XXXX XXXX Visa card with XXXX LifeMiles bonus through an invitation sent to me. I have never dealt with such a horrible bank and a very convoluted application process. I had to send in pay stubs, utility bills, social security card, and passport/ID, and was finally approved for {$5000.00} after almost 3 weeks. When I received the card, I activated it and went to make my first purchase on it and was instantly denied. I called in and was told my account was blocked. I asked why, and they said they wanted another utility bill and ID. I sent in my XXXX Bill and my Passport. A few days later, my account was SHUT DOWN!!! I was notified that my XXXX utility bill was questionable. I sent in another utility bill and my XXXX Bill, and also attached my Passport. I called in again and was told my account was permanently shut down. This is beyond ridiculous. Avoid Banco Popular or XXXX XXXX XXXX at all cost.
05/15/2020	Yes	Checking or savings account Savings account	Managing an account Problem accessing account	PR 00987	Web
I have been trying to access my bank account online at XXXX XXXX XXXX XXXX XXXX. My account was blocked online. On XX/XX/XXXX, XXXX, XXXX, I called but the phone numbers provided for my bank are not working. I get a reply saying the number is out of reach at XXXX and XXXX. On XX/XX/XXXX, I contacted the bank again through their " online chat '' and the agent referred me to the above-mentioned numbers. When I replied that those numbers were out of service, she apologized and told me to keep trying and that she couldn't give me any more information. I suspect the account was blocked because a couple of weeks ago I had to put a " fraud alert '' because someone tried to open a XXXX XXXX account using my information fraudulently. However, I was never contacted by my bank to verify any information and given that I cant reach them and they cant provide me with any other information I am at loss as to how to proceed.
11/01/2022	Yes	Checking or savings account Checking account	Closing an account Company closed your account	FL 33710	Web
I opened a checking account with Popular Bank in XXXX 2022. In XXXX 2022 I was informed by Popular Bank that I live outside of the community they serve. I live in XXXX XXXX FL, their closest branch is in XXXX FL. I understand this and accept their decision however I deposited in total {$320.00}. To date the bank has only returned my initial deposit of {$100.00}. The bank is requesting that I visit the XXXX branch in order to retrieve the remaining funds. I accept that it is their right to close the account due to me living outside of the community they serve, however asking me to then visit the branch to retrieve the remaining funds is not logical. I have called numerous times to request that an official check be mailed to my address but they refuse. I would like for a check to be sent since I live outside of their service area it would be an undue hardship to request that I now visit their branch in XXXX FL.
08/23/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	PR 00926	Web
On XXXX I opened a credit card with Banco Popular de Puerto Rico. Over time, I had to max-out the card to cover unexpected expenses. After it was maxed out, I only payed the minimum and never used it again. This year I am making arrangements to make more payments to the card and I notice a {$95.00} charge every month going back years. I called the bank and they told me it was an optional insurance and that I could cancel it. I told them I never agreed to any insurance on my credit card. The insurance company named XXXX says the bank opened the account on my behalf. $ XXXX monthly for months on end that I never authorized. I did not even know of the insurance companys existance. I already made a letter to request the cancellation of said insurance policy but neither the bank or XXXX want to take responsibility for charging what sums up to be thousands of dollars without my authorization and against my will.
09/07/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Interest rate	FL 33040	Web	Servicemember
This loan was made under the Puerto Rico law # 124 10 DEC 1993XXXX The low interest condition was agreed under the condition that we have to live in the house for 6 years to avoid any penalties or change on interest rates, the interest rate was around 4 % ; they increased to more than 7 %. The closing date for the loan was XXXX XX/XX/XXXX. I move to Florida XXXX XX/XX/XXXX. I am submitting all the paperwork that prove that I live more than the time they required ( sorry some documents are in XXXX ). There ' ; s the house closing documents, my XXXX that shows when I started in my job at XXXX XXXX XXXX XXXX XXXX. Title study that shows that the agreement was 6 years. They being charging higher inerest and making more money out of that loan illegally. I provided all documentation and they refuse to fixthe issue. As a Veteran and a XXXX that serve this country I ask for help, thank you.
10/23/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	IL 60137	Web
I opened my XXXX XXXX XXXX XXXX from Popular Bank Services on XX/XX/XXXX. However, the past two years, I've tried to cancel my card as soon as my annual fee was assessed. Both times I've called within days of my annual fee being assessed but I was told I can not have my annual fee refunded and my card canceled. Back in XXXX, my annual fee was assessed on XX/XX/XXXX, however this year, my annual fee was assessed on XX/XX/XXXX. So even with my XXXX calendar reminder, for the annual fee being assessed, it wasn't abundantly known when the annual fee was assessed. I've been trying to cancel the card when the annual fee time comes up. Every other credit card issuer I have had or currently have cards with, XXXX XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX, within a reasonable amount of time of the annual fee being assessed, they allow the annual fee to be refunded and for the card to be canceled.
01/29/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 27215	Web	Older American
Since XXXX XXXX, 2015 I have been requesting the bank to provide me a copy of my mortgage servicing file in accordance with the Real Estate Settlement Procedures Act ( Regulation X ) 1024.36 - Requests for information. I have submitted my request in writing as indicated by the regulation. The bank ignored all the requests made until the last request made on XXXX/XXXX/2015 which the bank answered on XXXX/XXXX/2015, but refusing to provide the information indicating that it is overbroad or unduly burdensome request for information. The bank is in violation of the applicable regulation since it failed to acknowledge the request for information in the time frame indicated by the regulation and the overbroad or unduly burdensome request for information response is not applicable in this case. I have attached the letters sent to the bank requesting the file and the bank 's response.
09/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX XXXXX	Web
The Servicer of my mortgage ( Banco Popular de Puerto Rico ) foreclosed my home. Banco Popular de Puerto Rico is only the servicer. Banco Popular de Puerto Rico bought the servicing rights on XX/XX/2008 to the original lender, XXXX XXXX XXXX XXXX. Banco Popular de Puerto Rico did not answered any of more than XXXX Validation/Qualified Written Requests letters. XXXX XXXX is the owner of the Mortgage and the Note, according to the " Look-up Tool ''. A Validation letter was sent to Attorney XXXX XXXX XXXX, when acting as a debt collector she did not responded and did not stop the collection process or the foreclosure. XXXX XXXX XXXX XXXX, Supervisor of the Foreclosure Deparment, declare in an affidavit, that the Banco Popular de Puerto Rico is the holder of the note by endorsement. The attached documents are in XXXX. That is the normal commerce language in XXXX XXXX.
11/10/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NY 11217	Web	Servicemember
Auto loan with Banco Popular Auto payments are set up automatically this institution repeatedly under reports payments made which are debited on different days of the month last reported payment as reflected on XXXX Credit bureau was for XX/XX/2021 a dispute was opened case number XXXX the bank reported a balance of {$27000.00} on XX/XX/2021 they now updated the amount to reflect an incorrect balance of {$25000.00} a difference of {$2100.00} as of XX/XX/2021 there still exists an under reporting payments of {$640.00} are debited each month XXXX, XXXX, XXXX, XXXX, and XXXX are a total of 5 months missing these months total {$3200.00} not {$2100.00} - {$1000.00} dollars are still under reported this is the second case & complaint filed with this bank they are untrustworthy and a problem to deal with if this isnt corrected the Automatic Payments will be STOPPED! Immediately
02/07/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33351	Web
Please read this Please read this I have made this complaint twice now and your company keeps blowing me off and saying it is resolved IT IS NOT RESOLVED This has been going on since last year This Banco Popular XXXX XXXX XXXX has not listed my mortgage payments on my bank mortgage account. I have submitted my paperwork prior. I pay EVERY MONTH yet they STILL have not listed my XXXX payments on the account. They will not help me and say to call XXXX XXXX where they hardly speak English and I can not speak XXXX, yet I got the loan at the Banco Pop XXXX XXXX XXXX XXXX They will not mail me my monthly statements and I ask and ask and ask They are lazy and rude there. How can they not mail me my monthly statements They don't keep my credit company monthly payments up to date either I can not get anyone to email me about if my mortgage total is really being paid off correctly
10/26/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MD 21044	Web
The annual fee of {$140.00} posted to my account on the XXXX statment. I called the bank just before the due date to pay and requested to close my account. I asked to have the annual fee reimbursed, which in my understanding is the procedure that the bank is legally required to do. The representative on the phone said they would not do it because they had instituted a new policy that they don't do it. I just now on XX/XX/XXXX received my XXXX statement dated XX/XX/XXXX. I am not sure how it took so long to arrive but I assume they did not send it untial recently. That statement indicates an interest charge of {$1.00}. I have logged into the Banco Popular website and downloaded my XXXX statement, dated XX/XX/XXXX. This has not arrived in my mail. This statement indicates a past due charge of {$29.00} and additional interest of {$1.00}. The total due is now {$180.00}.
12/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 22310	Web
On XXXX/XXXX/XXXX, I applied for the XXXX XXXX Credit Card ( application ID XXXX ). Two weeks later, I had not seen a decision so I called and spoke a representative who requested me to upload my income verification for proof of income, which I did. The next day, I called and they advised they had not received it so I uploaded it on the website and emailed it to the email address provided. The rep verified receipt and advised an underwriter would decide in 2-3 days. On XXXX/XXXX/XXXX, over a month later after my application, to supervisor XXXX XXXX who advised that they still had not received my proof of income and that the application would be denied because of that, although the prior representative verified receipt and my document was uploaded on their website. It is completely appalling that a company can just string people along like this with no repercussions.
08/28/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 33015	Web
On XX/XX/XXXX, I called to the customer service line to inquire about the annual fee. I asked for a refund/reversal of the annual fee and closure of the account within a few days of the renewal date. Customer service representative said that this could not be done and that he needed to submit a request that would take several business days. After waiting, I called back to find out the resolution and the company said that they could not refund/reverse the annual fee even after attempting to close the account. This is a dormant account, meaning I had not used for more than 6 months and will not use in the future. I think, it is very unfair for a credit card company to make you pay for an account that is not and will not be used. Now I have to pay the annual fee ( the only balance ) in the account in order to close it with no negative impact to my credit report.
11/21/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	PR 00983	Web	Older American
On XX/XX/2022 I went to XXXX store to pay my account to XXXX XXXX There were problems with the register that was unable to process payment, but I had already signed for electronic processing, they moved to another register gave me a receipt after I was asked to sign again, but told me to leave the check in case it didn't go through, which I did. A few days later I was checking my balances om my account and noticed same amount payment twice. I called my bank and they confirmed it was duplicated. I called customer service and was told they would revert it. XXXX only received one payment and it was reverted and they were charging late fees. I made claims to XXXX my bank, Banco Popular and tried making to XXXX who acted very strange. I finally spoke to the legal department of my bank and they said they reverted and deposited on my account only XXXX! There's more
02/02/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	PR 00627	Web	Older American
Starting in XX/XX/XXXX I made 8 payments through my electronic account with the Banco Popular acct no XXXX to the XXXX XXXX in XXXX against a credit card account no XXXX. This account was paid in full and closed in XX/XX/XXXX. I proceeded to contact both banks because only 2payments were returned to Banco Popular in XXXX XXXX another in XXXX XXXX. There is and outstanding amount of {$1100.00} that were never retuned or there is no evidence from my bank that show that this money was retuned, I have contacted the office of XXXX and they have been reluctant to assist me to resolve this situation, All electronic transaction should have a system of traceability and recode keeping of transactions of payments. I need a thorough investigation as to were did this money that I paid go to and be reimbursed. My original complaint was filed in XX/XX/XXXX ; XXXX no XXXX.
10/13/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	PR 00669	Web
I have a credit card under my name and there has been purchases made in New York and other states for the amount of {$31.00}. I called the company to file a complaint and canceled my card. I was told that I will receive a new card shortly and that they would open an investigation. Today I entered my account and found that other transactions are still being made. East bay for the amount of me {$210.00}, XXXX XXXX XXXX amount {$13.00}, XXXX XXXX XXXX {$13.00} these transactions were placed on XXXX XXXX, XXXX. On XXXX XXXX, XXXX another transaction took place for the amount of dream chasers for the {$150.00}. Transaction on XXXX XXXX, XXXX for the amount of {$31.00} in XXXX XXXX in newyork. I believe I am a victim of identity theft because I reside in XXXX XXXX and all these transactions took place in the united States. And I havent authorized these purchases.
07/15/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR XXXXX	Web
Since XX/XX/2021, was required the payoff statement of certain mortgage loan through the service agent 's attorney. This loan is in foreclosure process. In the request, my attorney specifically indicated that he expected compliance with ( 1026.36 ( c ) ( 3 ) ). He demanded that the payoff balance be provided within 7 days. After not receiving the requested information, my attorney re-wrote on XX/XX/2021 ; XX/XX/2021 and XX/XX/2021. None of the emails were answered even though an official of the servicing agent was also included on the communications. I intend to pay the balance and this delay is assessing me more interest owed, while the servicing agent advances the foreclosure process until the sale of the property in public auction. In the last email we warned that we would be filing the complaint and still they did not pay attention.
04/21/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 10458	Web	Servicemember
Hi, I will try to simplifier as much as I can and also I had complaint in the past more less on XX/XX/2018. My complaint is against the Banco Popular de Puerto Rico, they are demanding me at this moment, collection of payments. But I am contradicting such because the amount of payment being mention I have proof of payment of the mayority of the payments. I had requested documents of the mortgage application etc. etc. with no cooperation from the bank. And had been enroll in a modification program 4 or 5 times and take of the program without explanation. I refer as me but this mortgage was under my mothers name and she past way on XX/XX/XXXX, XXXX and I am the only hereditary. The demand was posted after my mother death. and with missing payment every transaction on the mortgate was affected, misanalized. Causing a breach of contract.
03/31/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	PR 006XX	Web	Servicemember
In XX/XX/XXXX, I decided to trade my XXXX XXXX for a XXXX XXXX XXXX pickup. I was originally financed with XXXX XXXX XXXX XXXX, later this same year XXXX XXXX XXXX took over all accounts from reliable and purchased this company. The jeep is still open on XXXX, and the XXXX is too so it appears I have over {$100000.00} in loans. XXXX Shows incorrect reporting and balance of loan also shows late payment but this was because a bank employee wrote the incorrect routing number when I was hospitalized in XX/XX/XXXX-XX/XX/XXXX. XXXX shows in the {$60000.00} in loans. XXXX Is double reporting for the same vehicle and is not showing payment history correct. MY Balance of loans are Shown as {$110000.00} It shows Reliable as well as popular leasing MY LOAN IS WITH BANCO POPULAR AUTO! I have one care loan and the balance is {$46000.00}
03/31/2018	Yes	Mortgage FHA mortgage	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	PR 00745	Web
The mortgage has been in trial for debt collection, the house is not insure. Due to the problems problems of the developer and damage of construction, the problems with segregation, problems with septic tank, problems with inscription of the development and houses, the houses have no insurance. My ex-husband and I, the court and the bank went to mitigation and we qualify for a refinance or modification of the loan, but the investor from the bank said that the house DO NOT qualify for any modification. The bank remove the loan from the credit report due to the situation. 4 years later is back again. The house can not be used because of construction situation and fungus. The house ca not be sale because of legal situation and banks do not want to give loans to this development. This situation had damage my credit report.
09/07/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00969	Web
My wife made a deposit to my bank account in Puerto Rico from our joint XXXX account from XXXX. in the amount of {$700.00} on XX/XX/2016. That check was cleared and paid for by XXXX. I have the cancelled check and statement reflecting this. Yet, the bank in Puerto Rico claims the funds were not released from XXXX and they froze the deposit amount of {$700.00} from the acct. At this point we are out of {$700.00}. My wife filed a complaint through CFPB case # XXXX-XXXX first against XXXX. XXXX proved this check was paid so that case was closed. However, athough we have repeatedly shown all evidence to Banco Popular, they have denied receiving these funds and never credited my account with the {$700.00} I am attaching copy of bank statement reflected payment of check from XXXX and copy of paid check received by Banco Popular.
01/03/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	PR 00983	Web
Hi worked fot XXXX XXXX XXXX XXXX XXXX and I had a Retirement Plan ( XXXX ) with this company. I received the Quater Statement when it shows the distribute the money I had, which I dont request. I call the customer service of XXXX XXXX XXXX, and they told me the servicer in XXXX XXXX of the XXXX its Banco Popular XXXX XXXX XXXX. That day I call they to request information, and they told me they send me a check on XXXX by mail, check that I never received. That same day I request the stop payment and the process to get my funds direct deposit on my Banco Popular account. They told me this process could take maximum 10 business days, which has been passed. I called once again to customer service and they told me, the " XXXX '' its working with other matters and they will start sending the funds a month after my request.
04/22/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	XXXXX	Web	Older American
Dear Sir/Madam, On XX/XX/2020 I filled for a chargeback through Banco Popular. Since then I have been given no updates and when I called could not get any information. Yesterday on XX/XX/XXXX I contacted them again and was given this answer : " Your claim was previously referred to the merchant for consideration. We regret to inform you that until this moment the efforts have been unsuccessful. We are including the documents provided by the merchant for this transaction. '' ( Attached ) But no documents were provided. My guess is that the merchant didn't bother to answer. The merchant from whom I demanded the charge-back, never delivered the service I paid for and I have supplied the bank with all the information. I am ready to supply any evidence, correspondence you might need. Best regards, XXXX XXXX
10/03/2017	Yes	Mortgage VA mortgage	Trouble during payment process	PR 00791	Web	Servicemember
Popular Mortgage of XXXX XXXX has announced all over XXXX that they are offering relief for the hurricane by allowing customers to miss the next 3 months of mortgages, and loan Payments. This was automatic unless you were behind. Even when my mortgage has never been behind, I called to make sure my credit would not be affected. Although it wont, they are not telling people that they have to make up all of the payments in XXXX. This can potentially put many people in the streets. I for instance wold have had to make a prohibitive {$4000.00} payment in XXXX. This is a very irresponsible and fake announcement. They are lying to consumers, people who are already going through an extremely hard situation because of these XXXX category XXXX hurricanes. They are taking advantage of people under such dire situation.
12/12/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 349XX	Web	Servicemember
Credit card company close my visa credit card out of nowhere when I have excellent credit and I always make my payments on time there is no reason to have my account closed and if so I would like to exclamation as to why my account was closed not just bank policy I also owe a balance on this credit card that would negatively hurt my credit score that ive really been working so hard to be good now that they closed my account my credit scores are going to plunge and I would not be able to get into collage / obtain credit for a student loan on my own ... my credit card account was working perfectly until they put a block on my account however they requested documentation I sent them the documentation and it was already verified by the credit card risk department so why is there a need to close my account?
08/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR XXXXX	Web
Banco Popular de Puerto Rico already made a mistake back in XXXX to the effect they had to issue a letter admitting the mistake on my credit report. Now, once again, and I spoke with them on Friday, XX/XX/XXXX and sent them an electronic mail on XX/XX/XXXX. Their mistakes have made me incur in time and resources due to their unprofessionalism. As I stated in my letter, Banks in Puerto Rico should be seroiusly and carefully monitored. Another PR Bank reflects a balance on my credit when it was paid in full in XX/XX/XXXX. The Covid-19 related excuses they use are incoreect as these errors can be fixed from their comfort of their home if they cared. TIME IS OF THE ESSENCE. INTEREST RATES ARE AT RECORD LOWS NOW. They are beyond anyones belief. I have had XXXX, XXXX XXXX, etc., NEVER AN ISSUE. THANKS
05/03/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR 00953	Web
My name is XXXX live en XXXX XXXX PR, Morgage complaint to Banco Popular PR and Loss Mitigation and the lawyer for Banco Popular PR send all documents in XXXX and XXXX XXXX aprov modification and the lawyer he said no send me documents for pay trial period because pay your fee {$18000.00} and montly pay more expensive fee, I explain my situation loss mitigation and retruture to {$1300.00} fee lawyer, the issue is in XXXX XXXX XXXX XXXX XXXX XXXX De XXXX explain a complaint and solution two parts and the bank fair resolucion for complete trial period and modification aprov for FHA HUD, Bank of Popular PR Dual Tracking process in same time, aprov modification loss mitigation and Fourclures in XXXX XXXX XXXX , my phone XXXX in XXXX call me
03/13/2017	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	PR 00976	Web
This is a complaint towards XXXX and XXXX XXXX XXXX. She visited my workplace to inform me that she needed my information for reference and to use my checking account to deduct the first payment since my brother who was requesting the car loan did not have one. The rest was going to be paid by him. I asked various times if this was going to impact my credit and she said NO. I informed her that my credit CAN NOT BE USED for the car loan and she repeated that it was not going to be touched. When I went to get a loan to fix my house I noticed that my credit was impacted and I called her and also spoke with her supervisor XXXX XXXX and they told me it was too late and that they could not help me. They used me to help close a car loan without informing me correctly and I did not authorize it.
06/28/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	AL 36092	Web
I paid off the XXXX XXXX credit card ( popular credit services ), and then contacted company to close account, and received confirmation letter from company on XX/XX/2021. I received a bill for {$2.00} in XXXX indicating that I owed this amount. Having closed the account ( and confirmed ) in XXXX, I was confused. I contacted the company by phone on XX/XX/2021. I stated the closure, and they even said that it was closed, but that I owed the {$2.00} to finalize it. I was furious, but I paid it. It has cleared my bank. Today, XX/XX/XXXX, I have received another email saying that my statement is ready. What statement? I clearly have proof that my account is closed, paid it in full, and yet they refuse to close my account. I feel that they are just hassling me, and I need assistance.
09/20/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NY 11217	Web
I've held Banco Popular 's XXXX XXXX Visa Card for a couple years. My annual fee for the upcoming year posted recently and I decided I no longer wanted the card. Called to cancel the card and have the annual fee reversed since it is for the upcoming year ( XXXX ) and Banco Popular refused to credit me for the annual fee even though I am no longer holding the card ( it has been canceled. ) The annual fee posted on XX/XX/XXXX and the card was canceled several days after that. Further to this, Banco Popular is now charging me interest on the fee. Upon further inspection, I am not sure that Banco Popular has honored my request to cancel the card -- it appears to still be open on the online portal even though they confirmed to me over the phone that they had canceled the card.
02/07/2023	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	SC 29526	Web
After the passing of my XX/XX/XXXX, I contacted XXXX XXXX in XXXX XXXX to close my father 's account. I was told to me by someone in the estate department of the bank that I needed to submit these documents to define kinship. I submitted these documents at that time. It's XXXX of XXXX, and we are still waiting for a resolution from the bank and No contact from the bank about the status of funds in his closed account. They would not permit the local branch to assist with the matter. They required us to fly to XXXX XXXX to close the account when they had a local branch within the local city. It would have caused hardship on our part Popular Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/20/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 75093	Web	Servicemember
I filed a CFPB complain to POPULAR CREDIT SERVICES on XX/XX/2021 ( Complain ID : XXXX ) regarding the charge of annual fee to the credit card after the account was closed. POPULAR CREDIT SERVICES responded to the complain on XX/XX/2021 confirming that the account as been closed and I will receive a credit for the pending balance related to the annual fee ( please see case XXXX for detailed response from the company ). However, POPULAR CREDIT SERVICES never credit my account to zero out the annual fee ( {$140.00} ) as it stated. As a result, my account is now considered delinquent ( even after closure ) and has been incurring late charges and interest charges, and this has been reported to the credit bureau which affected my credit score significantly!
03/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ XXXXX	Web
On XX/XX/XXXX, I received a e-mail, stating that the loan I applied for ( on line ) on XX/XX/XXXX, was denied. There was no name or amount given. They indicated that they accessed my credit report. I Did Not Apply for a loan from this Organization. My Social Security Number and Identity were Stolen around XXXX. I Suspect, this attempt to obtain a loan, is from one of the Thieves, that stole my Social Security Number. I want this Organization to know that they Fraudulent obtained my Credit Report. This better not impact my Credit Report, or I will Sue them for Identity Theft. I did ask them to send me a copy of my application, they refused. Please address this matter, as soon as possible. I'm not sure if this Organization are the Scammers, Themselves.
06/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32765	Web
On XX/XX/XXXX I closed this account when the annual fee was due. There was an annual fee of {$140.00} that was not refunded when I closed the account. Without my knowledge, late fees and interest accumulated on this annual fee, which should not have happened since this is a bank fee. On XX/XX/XXXX, Banco Popular reported my account as opened and delinquent, which caused my credit score to drastically decrease 60 points overnight due to this bank error. It will be difficult for me to get a financial loan with this erroneous bank error on my credit report. On XX/XX/XXXX at XXXX XXXX XXXX XXXX stated she closed my account and refunded all the fees, but failed to state that the bank would remove the erroneous delinquent account on my credit report.
09/22/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA XXXXX	Web
Popular credit services charged a new annual fee of {$140.00} for my XXXX credit card on XX/XX/2021 and generated the new statement on XX/XX/2021. I received the statement and immediately called them on XX/XX/2021 to cancel this account and request the refund of the annual fee. Since I couldn't travel this year, I don't want to keep this card. However, the customer service agreed to close my account, but refused to refund the annual fee. It is unfair since my account is cancelled and I won't use their card for the upcoming year. I complained to her and she agreed to file a dispute for me to waive the fee on XX/XX/2021. Unfortunately, after waiting for more than one month, they still didn't refund the fee and started charging me interest.
03/11/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	VI XXXXX	Web
Banco Popular XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I consumer have a problem with Bank above. On prior descriptions dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These Occurrence ongoing i discovered Fraudulent Activities on my Checking and Saving Account without my Consent. Funds was not Handled or Disbursed as Instructed to my Monthly Merchants Accounts it caused me the consumer high fees charges and late fees. Due to bank Errors i consumer tried to resolved dispute but company FAILED and REFUSED to work a relationship with me the consumer. Notice it caused me Financial Reputation as a truly valued Consumer. I am asking to clear my Name and funds with a Refund back to my Account.
11/23/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PR 009XX	Web
Only 3 mayor banks operate in Puerto Rico and they are regulated by the Federal Reserve System. These banks are Banco Popular of Puerto Rico, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. With regards to property insurance, barrowers are ONLY required to provide banks with evidence of dwelling or homeowners insurance coverage. Contents and liabilty insurance is NOT required. However, these 3 banks and their wholly owned insurance subsidiaries which operate as general insurance agents in Puerto Rico are annualy generating millions of dollars in commission base fees by including contents and liability insurance on policies forced placed by them when barrowers fail to provide the banks with evidence of dwelling insurance.
06/26/2020	Yes	Checking or savings account Checking account	Closing an account Company closed your account	PR XXXXX	Web	Servicemember
On or about XX/XX/2020, Banco Popular de Puerto Rico ( Popular , XXXX ) through its small business specialist, XXXX XXXX XXXX, forced me to close my business checking account -- I did so under duress. Mr. XXXX XXXX accused me of check kiting, which was not true. When I attempted to inform him of the banking error caused by COVID-19, which caused a mobile deposit reversal, XXXX threatened to keep the account restricted indefinitely unless I closed the business checking account same day. He knew that I recently received a PPP loan deposit and that I needed the funds to cover payroll. I did not know what to do and felt the banker coerced me to close the account. If I didn't then I would not have gotten my money back.
01/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11220	Web
On XX/XX/XXXX and XX/XX/XXXX, there were inquiries done by XXXX XXXX XXXX , XXXX using my information, for a car loan. I did not authorize these inquiries and don't even live where these inquiries were made ( I live in New York, inquiries were made in Puerto Rico ). XX/XX/XXXX, there was an inquiry done by Popular Auto in XXXX XXXX, Puerto Rico, using my information, for a car loan. I did not authorize this inquiry and don't even live where this inquiry was made ( I live in New York, inquiry was made in Puerto Rico ). I have communicated with both entities and they have suggested that I file a complain with the CFPB. They say the inquiries do not appear in their records, but it does appear in my credit history.
04/06/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	PR 00720	Web
I have called the company several times, Banco Popular of Puerto Rico due to a returned wire transfer. The original amount was for {$1300.00} on XX/XX/XXXX. I was charged a {$50.00} wire transfer fee for the amount. Totaling {$1300.00}. The agent helping me XXXX XXXX XXXX XXXX '' XXXX The bank told me that the information was incorrect so they returned the wire. I spoke with a bank supervisor XXXX XXXX XXXX XXXX XXXX He told me the recieving bank, XXXX XXXX said the information was incorrect on the wire. so they returned a total of {$1200.00} back into my account. There is {$110.00} missing from my account. I was told there was a {$50.00} fee to send the wire. Leaving {$60.00} missing from the account.
01/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	PA 152XX	Web
During the Month of XX/XX/XXXX I sent my card payment ON TIME to Banco Popular to Apply to my credit card balance ending XXXX and since IRMA and MARIA HURRICANE affected all power and business in Pto. Rico They did not processed on time the payment affecting my CREDIT SCORE. Now since I 'm applying to a LOAN MORTGAGE TO BUY A HOUSE they are DENIED any letter to fix my CREDIT REPORT I has been deal with the Bank in the last two month and only obtaining a NEGATIVE LETTER and a Final Phone Call confirming They ARE NOT ABLE TO HEL ME TO REPAIR THIS SITUATION. Credit Card ending. XXXX Banco Popular Credit Card PRODUCT : XXXX XXXX XXXX XXXX XXXX : XXXX-XXXX2017 XXXX : {$38.00} Customer name : XXXX XXXX
08/23/2016	Yes	Credit card	Delinquent account	PR XXXXX	Web	Servicemember
A credit card account went over the balance, I usually keep it high to make it gain interests, after the month 's end, the financial institution ( Banco Popular de Puerto Rico ( BBPR ) ) charged the usual monthly interest rates on the card, it goes over the credit Limit on XX/XX/XXXX, by XX/XX/XXXX XXXX I 've submitted my payment. Today XX/XX/XXXX I receive an alert from XXXX that there is a negative report on my XXXX XXXX Credit Report. This financial institution after making my payment on time ( which I make multiple payments a month ) is targeting me from working at a local competitor company by holding my fund on my checking account as well, but I 'm resolving that issue by moving to XXXX XXXX.
06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10466	Web
In accordance with the fair credit XXXX XXXX act, this company has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
10/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07013	Web
Banco Popular of Puerto Rico is currently listing a Foreclosure on my Credit report incorrectly. I attempted to have them remove but they refuse saying that I am not the owner and can not provide me with the account information, yes that is their response. I have attempted to dispute via Credit bureaus with mixed results, XXXX removed but XXXX will not based on Banco Popular non response. I had a mortgage in good standing with them and was paid in full, this gave them my information. They attached a second mortgage to my name and refuse to provide me information on the loan so I can dispute. I am in the process of purchasing a property and this error is keeping me from securing a mortgage.
03/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Received unsolicited financial product or insurance offers after opting out	HI 96740	Web
early XXXX this year, XXXX XXXX XXXX offered a consolidation loan to its members. I responded to them. Thereafter, I received an adverse action notice from XXXX, a Division of Banco Popular de Puerto Rico. I replied to them saying I did not apply for a loan with them. They sent me a response which had documentation attached which I was to complete and send to them. The letter continued with " an inquiry may have been initiated by XXXX into your credit profile. '' I replied that I would contact CFPB directly about my complaint as I was not comfortable completing documentation with private information and sending to XXXX or XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL. XXXX.
09/07/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MS 39110	Web
I have had my Popular Bank XXXX card since XX/XX/XXXX ( XX/XX/XXXX ). They charge an annual fee of {$59.00}. Recently, I was charged an annual fee of {$59.00} on XX/XX/XXXX ( XX/XX/XXXX ). I called in to cancel the card within 30 days to have the fee waived as I am undergoing hardships due to the coronavirus pandemic. The card was cancelled XX/XX/XXXX ( XX/XX/XXXX ). They said they'd have the fee refunded but never did and now I am being charged late fees for not paying the annual fee. I have spoken to no less than 3 agents since the first customer service agent and they all refuse to have my annual fee and the resulting fees waived. My cancellation number is XXXX Please help.
08/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 32707	Web
This letter constitutes a formal complaint against Banco Popular de Puerto Rico ( BPPR ) for the unethical procedure in the intent to report inaccurate information on my credit report on all bureaus. Due to the lack of compliance from their part with the Moratorium as offered by the bank after Hurricane Mara in which the three months XXXX, through XXXX would be added at the end of the mortgage and the regular payments would continue on in XX/XX/2018. Moreover, your employee told us that our call was not even necessary because we qualify automatically to benefit from the three months break BPPR was giving. Banco popular has not honored their offer and has ruined my good credit.
02/02/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	OR 97202	Web
I cancelled my credit card account on XX/XX/XXXX but am still being charged an annual fee ( {$150.00} ). I cancelled the account three days after the fee was assessed ( XX/XX/XXXX ) but XXXX will not remove the fee. The reason I cancelled the card was because I could not afford the fee. I tried to cancel the card a year ago ( XX/XX/XXXX ) but the customer service rep convinced me to keep it by waiving the annual fee. Now they are saying they will not waive the fee again. I am not receiving any good or service for this fee and have not used the card in over a year. I cancelled the card within days of the fee being assessed, so it's not like I benefited from using the card.
10/23/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	WA 98008	Web
XXXX XXXX XXXX listed an old ( un-owed and unsubstantiated ) debt in my report without any notice. The original claim was from 2008, and the orginal collector could never furnish any data to prove this. XXXX XXXX bought this debt and is listing in my credit report as new, has never contacted me, or provided evidence of what makes up this amount. This item should be removed from my credit report and this company should be fined. It now appears XXXX times on my credit report, even though it ( 1 ) should not be there in the first place, ( 2 ) the debtor sold it to a third party, and the third party is trying to claim this is new without contacting me or providing evidence.
09/14/2023	Yes	Mortgage Other type of mortgage	Trouble during payment process Escrow, taxes, or insurance	PR XXXXX	Web
Hi my name is XXXX XXXX I lived in XXXX de XXXX XXXX, in XX/XX/2022 the building was evacuated because we have a wall content around the building collapse. The reason was tropical storm XXXX was near Puerto Rico and the arrived with a lot of water. My mortgage is with Banco Popular denied to extended the mortgage payment. In my case I make the payment during the last 11 month. The private insurance not answered yet the claim of the loss. I need some king of extended because I dont have any place to live. The apartments dont suffer any damages, but the parking lot did it. I'm looking for help. XXXX from XXXX XXXX in Puerto Rico has a many reports of the damages.
05/24/2022	Yes	Checking or savings account Checking account	Managing an account Fee problem	PR 00627	Web
Banco Popular XXXX XXXX XXXX ( " XXXX '' ) has levied hidden and excessive fees against me. These junk fees are associated with consumers bank, credit union, prepaid or credit card account, mortgage, loan or payment transfers. Fees I thought were covered by its baseline price ; unexpected fees ; fees that seemed too high ; and fees where it was unclear why they were charged. These junk fees act as penalties against me. In a letter dated on or about XX/XX/XXXX XXXX XXXX, XXXX XXXX & XXXX, Act 20, wrote the bank will charge an excessive of {$150.00} or junk fee as Monthly Administrative Fee and will be reflected iny banking statement beginning XX/XX/XXXX.
01/11/2016	Yes	Bank account or service Checking account	Using a debit or ATM card	VI XXXXX	Web
My XXXX debit card was mistakenly given to somebody else at a restaurant. My card was used by that somebody else to purchase {$75.00} worth of shipping at the post office. My bank did not inform me that there would be a {$50.00} surcharge added to my account for their " services ''. The investigation took two months and in the end only {$25.00} was rebated back to my account. Does n't the bank have the obligation to inform me of this {$50.00} surcharge that they claim is federally mandated? I would n't have wasted my time filing different claims and having the headache that I did, had I known they would be charging me {$50.00} to get back my own money ...
09/18/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 782XX	Web	Servicemember
I called the Banco Popular at ( XXXX ) XXXX prior to XX/XX/XXXX to close my XXXX XXXX Visa credit card account ending in XXXX. The account had no balance, no outstanding obligations, and the request was verbally confirmed by an agent over the phone stating I would receive a letter by US mail. On XX/XX/XXXX I viewed my credit report and found the bank had not closed the account as requested and had since been charged an annual fee of {$140.00} in XX/XX/XXXX. I called the same number on XX/XX/XXXX and agent named " XXXX '' refused to close the account and credit the fee that would not have posted had the original close request been executed as requested.
12/10/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15090	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
11/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77706	Web
After reviewing my credit report ongoing .. There's a collection Agency..XXXX/ BANCO POPULAR , PU .. A Balance of XXXX Opening date XXXX XXXX, 2019. That's continuing to appear on my credit Report. I have no idea where this collection came from. i never received any loan from them. And it's showing as if the Account is new.. And I'm not about to be liable for anything i did not do and someone else did it my name ... Police Reports has been sent in to them and all of the Credit Bureaus to have it remove.. And all have done so except XXXX ... This is Really starting to be a pain.. Because what they are reporting is not accurate and it's Fraudulent..
10/11/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	MA 015XX	Web
I am working with the third part debt consolidation in regards to several credit cards. Popular Bank is cashing the checks from XXXX, but, continues to reject their proposals for lower interest and payment. Popular Bank has requested various materials from XXXX, which were provided, but continues to come up with reasons to not work with them. Popular Bank has refused my requests to work with them regarding my hardship, they advised that they will not work with me unless I am several months behind in payments. They are giving the runaround to the debt consolidation company, as well as to myself. They refuse to help the consumer during hardship.
09/05/2015	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	PR XXXXX	Web
I was denied the chance to continue an application with the XXXX program, by Doral Bank XXXX XXXX XXXX, which has dissapeared and was bought by XXXX other XXXX banks, because I have a HOME OFFICE in the lower floor of my house. I do not know it a XXXX lender can really deny me this service. I really would like to refinance my mortage, so I can lower my mortage payments, just as XXXX other XXXX citizens have done. Please respond to my question, as I am very unknowledgeable of these complicated finantial issues and no one else has bothered to answer my question, here in XXXX XXXX. Thank you very much. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
04/20/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR 00987	Web
I have a Loan approved three times under Loss and Mitigation process. At the moment I'm unable to perform the closing as they are not offering any alternative to finish the process. After providing a Divorce Sentence, I went with the lawyers to the bank and explained that I was divorecd, the Bank request me to prepare a legal document with my ex husband and present it to the Registry of the Property locally in order for them to complete the process. After doing the document, present and registered the bank is not offering an alternative that can work for us. I called and wrote to them asking a resolution to my case without any response.
07/10/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	UT 840XX	Web
We have a mortgage on a second home in XXXX XXXX financed by Banco Popular. All of our origination documents were produced in both XXXX ( our language ) and XXXX . However, the servicing documents are generally sent to us in XXXX . We have complained already and they agreed to send us only XXXX documents, but we are still receiving important important documents, such as a forced-placed insurance document from what we can tell, in XXXX only. XXXX On a related note, the forced-placed insurance document tells us nothing about the cost of the forced-placed insurance they are threatening to purchase for us, which is unfair.
08/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR XXXXX	Web
I`m writing on behalf of my client, XXXX XXXX XXXX Her former creditor, Banco Popular de Puerto Rico ( BPPR ) sued her on 2016. After several processes she reached an agreement with BPPR with the full consent of the latter. According to this agreement she agreed to pay {$180000.00} as part of a Short Sale to end the judicial process initiated against her by BPPR. She paid fully the said amount and BPPR agreed to cease the judicial process against her. XXXX XXXX XXXX and BPPR authorized the notarization of this agreement. Nevertheless, BPPR maintains inaccurate or incorrect information about her credit that seriously affects her.
07/27/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	PR 00969	Web
The Debt Collection Agency contracted by Popular Auto in charge of the repossession of my vehicle is charging me a service charge fee consisting of {$300.00}. Local regulations promulgated by the Department of Consumer Affairs of XXXX XXXX, especifically prohibits this practice. For that matter said regulation establishes in Rule 17 ( a ) of Regulation 6451 of the Department of Consumers Affair of XXXX XXXX that the Debt Collection Agency is prohibited from " collecting or requiring the debtor to pay additional charges on the amount owed and the costs incurred by the collection agency in its normal collection management ... ''.
10/19/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00985	Web
On XXXX XXXX, 2015, I visited Banco Populars Loss Mitigation offices to apply for an alternative [ toforeclosure ], since I was unemployed and my mortgage loan is in arrears, and I want to keep my home. To this day, XXXX XXXX, 2015, I havent received any notification from the bank. I didnt receivenotification within five working days of filing the application, and now more than 30 days have gone by, and I havent been informed of any decision. I am including a complete timeline of my case. I hope you can help me, because I dont want to lose my home, and I want banks to learn to treat theircustomers well. Thank you in advance!
01/29/2019	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV XXXXX	Web
In the summer of XX/XX/2018 I was moved to the state of Nevada by Hurricane Maria for a job offer. Proceedings were made with the Banco Popular of Puerto Rico to verify how the car that the bank could finance me move to there. The Banco Popular did not have branches in that state did not allow the vehicle to be moved at less than It will not be paid in full. As this payment was not possible, we were forced to voluntarily give it up. In these circumstances, it seems to us that the consumer should not be harmed with a negative credit report when banks do not have alternatives for this type of transaction in interstate commerce.
04/14/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	PR 00662	Web	Servicemember
The car loan was a joint account one. The person who was in charge was my ex wife who made the payments late on purpose while I was XXXX. Once I know about what was happen I paid off the account almost 2 years ago ( XXXX XXXX ). It still appearing in my credit and hurting my credit score ( XXXX ). We were in a divorce case and she didn't want to sign the divorce, she threaten me about what she will going to do if I divorce her. She did, she try to affect my credit. I tried to fix this issue with the company and they do not listen, do not want to help. The account is closed paid in full and still appear in my credit score.
01/24/2023	Yes	Checking or savings account Checking account	Closing an account Company closed your account	NY 11235	Web
On XX/XX/2022 I withdrew money from the bank ATM and the ATM dispensed a damaged {$20.00} bill. I took the bill and went to a banker to have the bill exchanged. The banker, XXXX XXXX, gave me a hard time with exchanging the bill by failing to document the bill exchange within the bank database. Her supervisor, XXXX XXXX came and XXXX XXXX XXXX for requesting proof of the exchange. She threatened me to leave the branch or else Later I received a letter that all my accounts would be closed as of XXXX at the banks discretion. The branch XXXX used XXXX on me during our interaction on XXXX and XXXX XXXX XXXX without merit.
01/02/2022	Yes	Mortgage VA mortgage	Trouble during payment process	IL 60707	Web	Older American, Servicemember
Original mortgage payment was {$590.00} and since 2016 when I first refinance the payments have steadily increased to present payment of $ XXXXHave attempted to get explanation on my insurance coverage and what Im paying in premium.Banco popular have a sister insurance company and tried to obtain coverage with them.I have not been successful, my current provider Segurosmultiples are totally incompetent and believe are equally dishonest.In the aftermath of Hurricane Maria it took forever to receive the $ XXXXindemnification.that amount didnt cover cleanup .Had to apply for a XXXX disaster loan to cover rebuilding XXXX
06/22/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	PR 00985	Web
On XXXX XX/XX/2023 I applied for a personal loan for credit consolidation, on XXXX XX/XX/2023 I called to follow up on the loan. The call center agent then advised me that the loan got approved but never discussed the terms and conditions of the loan. The agent advised that all I need to do is go to the branch with a form of ID. Once I arrived at the branch all efforts for this loan was discussed with me in XXXX. I do not speak nor understand XXXX and had no idea what was being given to me neither the terms and conditions as all paperwork is in XXXX as well. According to my knowledge and the law this is unlawful.
12/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19053	Web
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, BANCO POPULAR XXXX XXXX add a hard inquiry on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
04/10/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	PR 00926	Web
I made a payment with a credit card in Cash on XX/XX/XXXX, Banco Popular de PR ( BPPR ) does not recognize the transaction until Tuesday, XX/XX/XXXX. Also, when I made transactions between my accounts ( checking and savings ) in the BPPR, the amount of one of the accounts ( for example, checking ) was withdrawn instantly, but the recognition of the deposit could take up to 2 days. If you deposit a check from another banking institution to the BPPR account, the disposition of funds can wait 3 days at the local bank and from US banks 7-10 days. I believe this represented a departure from the CC Regulations.
11/30/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 009XX	Web
I am trying to short sale my property, the Lender is Banco Popular Puerto Rico. I hired a Real Estate Company and the real Estate broker has a remote Short Sales ' processor/negotiator. BPPR won't grant my third Party Authorization, it was originally faxed and e-mailed to the bank and the bank 's employees requested to bring the paperwork in person. My Realtor and I walked into the bank on XX/XX/2018 and handed the Listing Agreement, the Purchase Agreement and the Third Party Authorization form to XXXX XXXX her phone # is XXXX, email : XXXX the lender still won't grant the third party authorization.
10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	MD 207XX	Web	Older American
I disputed twice to Banco Popular of Puerto Rico and XXXX that the information in my Credit Report is incorrect. I had a Foreclosure of my house and my last missed payment was in XX/XX/XXXX. Even though the other XXXX Credit Bureaus has eliminated this foreclosure in my credit report, XXXX continues to report the foreclosure. Banco Popular reported the foreclosure in my credit report in a confusing way every month using incorrect credit codes as XXXX and in XXXX ( 4 years later ) they are still reporting for XXXX consecutive months that I had XXXX XXXX XXXX past due when my last payment was in XXXX.
10/19/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NJ 07104	Web
I disputed the account in the amount of {$580.00} that I do not owe and I have not received a copy of a bill. Not a contract with my signature, social security or identification attached. Now on my credit report they said this is accurate proof which is a lie. In my validation letter I asked the following : 1. Assignment clause 2. Notarized letter of debt purchase 3.Signed contract from original creditor 4.Copy of license to collect in the state of NJ None of this was submitted so they failed to prove 100 % accurate as per fair credit act. Now they are saying it verified but sent me no proof of that.
08/21/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	PR 00956	Web
On XX/XX/2020 I received a notification that I had a charge of {$50.00} in the bank statement. When I see what it is about, it says that it is an Annual Charge of {$50.00}, which was strange to me, because I am not subscribed to an annual charge with that card. When I call the Bank they tell me that it is an annual charge for having the Banco Popular of Puerto Rico XXXX XXXX However, that was strange to me, since in 5 years since I had the card, they have never made me that charge and I never accepted to be charged. Bank representatives tell me that it is new policy and that I have to pay for it.
05/11/2017	Yes	Mortgage VA mortgage	Struggling to pay mortgage	PR 00603	Web	Servicemember
I have been payin for my VA home loan for almost 20 years .l am a XXXX vet, I fell behind because of car repairs and health issues.I have applied for the loan modification option and it 's been ridiculous. Since XXXX 2016 they have been giving me the run around saying they are not reviving my letters send by email .Now they want me to send XXXX . Getting my divorce validated here i n P.R and put me on a probation payment plan for 3 months. I calculated and I paid more than {$140.00}. To then on an Orginal {$70.00}. Loan. I do n't want to loose my house. Thanking you in advance XXXX
06/20/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00624	Web
I opened a claim on banco popular. First I opened the claim as fraudulent because there was involved a car finance thats not mine on bppr the dealer and the bank finance a different car that i dont have. The bank deny my claim and do not investigate with the merchant. They dont have evidence that make an investigation. No documents. The bank deny my claim and I opened another claim that the finance and the car was canceled and they dont make an investigation or procedure. They just close my bank account and I dont have any evidence showing that the bank make the procedure required by law.
05/30/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	PR 009XX	Web
I have paid off a car loan on XX/XX/2020, and there wasnt a notification of additional charges of that account. Currently doing a dispute to my credit record for that amount, the bank states 3 years later that there was an outstanding amount of XXXX, and the account status was changed to charged off. The bank institution does not submit in the last 3 years any invoice or letter requesting payment for any outstanding amount. That is a ilegal charge and Im not gon na pay any additional account without any evidence of the institution regarding any attempt to collect that new amount.
09/04/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00623	Web
Banco Popular de Puerto Rico, XXXX XXXX branch is not.paying attention to send me my Visa card since XXXX XXXX.I am very needed to receive my Visa card because is urgent to me to resolve some problems.I am calling frequently to Costumer Services numbers and they are not answering the telephones and I visited the offices and they said that they sent the card but it was returned and I confirmed that it was the correct address .but I didn't receive the Visa card yet.and I am sure the address is correct.please help me.Thank you ( excuse my English errors because I am Spsnish speaker )
02/05/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	PR 006XX	Web
Banco Popular of Puerto Rico is killing us with high interest. I have a house mortgage at 6 % ( with my credit score perfect ) and a Personal Loan that i renew, I was paying perfect for 6-7 years and I begin it again to huracaine Mara, and the interest percent is the doble! I pay it correctly! But they know BANCO POPULAR we need the money and the loan so we have to accept the high percents of all, destroing our money and taking Puerto Rico for them. Its hard to pay all to them. And high porcents of % its incredible. I need get down those interest and they dont want it. For no body.
07/07/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	PR 00662	Web
About 3 months ago I went to the bank in person and told them that I was consolidating my loan with the company XXXX XXXX XXXX, they made me write a letter explaining what I was doing. I told them that the consolidating company will take about 4 months to communicate with them to reach an agreement. They continue to call at all hours of the day none stop. They know from me what I'm doing and were told by me that I'm not reusing to pay, but that the consolidating company will contact them to make the payments. After that someone came to my house and left a note with 2 phone number.
03/02/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR XXXXX	Web	Older American
On XX/XX/2019 a monthly transfer to my wife account was not credited. When complaining to the Bank they instructed me to make the transfer again for a different amount. Next day both transfer had been credited to my wifes account and my account showed insufficient funds, to cover monthly payments to my creditors. Eventually the bank recognized the error and credited my account with the fees charged for insufficient funds, but the error impacted negatively my credit score that was lowered from the mid high 700 to the mid 600. This part of my complaint was ignored by the Bank.
02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33414	Web
I've been trying to contact this company " XXXX XXXX - closed loans '' with no success. During the pandemic COVID-19, I let them know about my payment situation and they informed me that I was protected by the Care ACT and several months later I noticed that Banco Popular reported 2 late payments of 30 days on my credit report no matter they told me that was covered. The following months are in XX/XX/XXXX / XX/XX/XXXX. In addition I opened a dispute and they " Banco Popular De PR '' won't make the proper changes. Also, this load has been paid un full on XXXX XXXX.
06/30/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	GA 319XX	Web	Servicemember
Banco Popular Puerto Rico acquired XXXX XXXX XXXX XXXX from which we have our Visa-XXXX. In the process, without consulting me they removed my SCRA ( service member civil relief act ) benefits, going over my 6 % interest rate. We send all documentation requested on XX/XX/2021 and as today, XX/XX/XXXX, they haven't give us an answer. We've called plenty of times and as they told us today ( again ) that they will be evaluating the request ( it has been more than 90 days ). I'll like to emphasise that this is not a request, this is an entitled benefit on the federal law.
06/04/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00624	Web
I opened a case about a transaction on Consumer protection Financial Bureau, the bank takes retaliation and closed my bank account. I opened a case in cfpb and the bank has retaliated by opening a case with cfpb closing the checking bank account. I opened a claim on a transaction of {$5300.00} the bank has not resolved the case has not sent me a letter. I want the bank to send me a letter about how they proceeded with the claim and what documents the merchant sent them. And to what is the determination. Case Number : XXXX Account Number with Banco Popular : XXXX
03/13/2019	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	VA 223XX	Web
My checking account with Banco Popular de Puerto Rico was closed due to inactivity for 6 months which I understand. I called XX/XX/19 to reactivate it, they sent me a form called Account Reactivation Request which I filled and sent to them the same day. I have been calling multiple times during the last months and they keep telling me it is in progress and will be reactivated the next day. Today is XX/XX/2019 and I still can't access my account. I left this account open in order to be able to transfer money easily to my family in Puerto Rico in case of an emergency.
08/19/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	PR 00957	Web
On XX/XX/XXXX, I arrived at my residence letter from my bankruptcy lawyers indicating the action that the popular bank against me is taking in the bankruptcy court informing me that they want to charge {$150.00} for lawyer services for indicating changes in the mortgage payment. For my state of bankruptcy submitted and in defense my lawyers inform me the situation and I do not agree with this action of the bank because for all the years that I carry my mortgage nonca I was charged for such information for such reason I raise this complaint towards the banking entity
09/03/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 75093	Web	Servicemember
My XXXX XXXX Credit card ( issued by Popular Credit Services ) charged an annual fee of {$140.00} on XX/XX/2021. Due to the COVID travel restriction, I have not had the chance to travel in the past year and never once get to use the card so I decided to cancel the card. I cancelled the card within 30 days ( cancelled on XX/XX/2021 ) after the Annual Fee was posted to my account, but was informed that I still need to pay for the fee even after the card was cancelled! Tried to work it out with the reprehensive over the phone but they refuse to listen to me.
02/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NC 27610	Web	Older American
Since I have been a customer, either my payments are not registered on my account or my certified cashiers checks are placed on hold. The certified cashiers check from XXXX are GURANTEED FUNDS .No one can explain to me why payments have this interference. Either my payments are missing or placed on a 5 day hold. I am attempting to use the card but keep a zero balance so I mail my payments in advance. I am hoping to buy a home and have to keep my cards low or zero balance. I feel that my account and my person has been " singled out '' by this company.
07/21/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	TN 37042	Web	Older American
My dear Mother passed away a year ago. Mom and Dad had a joint account at the time with the Banco Popular of Puerto Rico. The bank immediately froze both the savings and checking account. The Banks ' excuse was that they following Puerto Rico 's Inheritance laws. I contacted the banks ' legal division and spoke with the Attorney XXXX XXXX. She informed me that if I and my XXXX sisters showed up in person the bank would unfreeze the accounts but she had to confirm if some documents were confirmed. Attorney XXXX can be reached at XXXX XXXX, ext. XXXX XXXX.
03/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR XXXXX	Web
Good morning guys, I am XXXX XXXX XXXX XXXX, I noted that my credit report through XXXX XXXX has an incorrect information. My mortgage account with Banco Popular of Puerto Rico still open and in good or excellent status. The only things is that the names in that account was changed from my Mother ( XXXX ) and me to my only name because of donation of my sister participation. The account never has being closed. So please correct this information that affect my credit score, with Banco Popular of Puerto Rico.. Sincerely, XXXX XXXX XXXX XXXX, XXXX
07/05/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 007XX	Web	Older American
Banco Popular, XXXX XXXX Puerto Rico, mortgage acct # XXXX, provided an incorrect " annual escrow account disclosure. '' Illegally added and made payments for excess insurance, when proof was provided that personal insurance was previously made and We never requested that insurance be escrow. This error was brought to the attention of Mortgage servicing and they have yet to refund erroneous payments or provide a corrected " Annual Escrow Account Disclosure. '' The answer provided by XXXX XXXX was that I had to wait until XX/XX/22 for an answer.
11/13/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PR XXXXX	Web
We are trying to refinance the mortgage due to income loss. We deliver all income statements and credit report and in XX/XX/2017 the bank denied the mortgage pushing us to foreclosure. We went to the court and the court decide to send us back to the bank for negotiations. As of XX/XX/2017 we did this process all over again and the bank keeps taking hard inquires and reporting late payments with no solution. We can not make payments because the bank doesnt permit until solve the case. We are affected without solution. Please help us.thank you.
03/19/2019	Yes	Mortgage Other type of mortgage	Closing on a mortgage	TX 77041	Web
On XX/XX/2019 a case was sumitted to BANCO POPULAR of Puerto Rico to evaluate.. On XX/XX/2019 It is confirm with the Bank that they received all the documents. On XX/XX/2019 The case is completed and in the process of evaluation. XX/XX/2019 My Realtor spoke to Banco Popular and the person in charge of the case was not present that day but her secretary said my Realtor that XXXX XXXX XXXX will return the call but she never did it.. XX/XX/2019 the property appraisal came, 52 days have passed and BANCO POPULAR do not approve the case ...
03/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	PR 00926	Web
I have a credit card with Banco Popular de PR. My statements run from the XXXX of every month to the XXXX of the next month. On my XX/XX/XXXX statement my cancellation balance was XXXX, which I paid and posted entirely on XX/XX/XXXX, and balance was left at XXXX. In the XX/XX/XXXX statement the bank is charging XXXX on interest, after I had cancelled my entire balance 9 days before the new statement came out. Bank refuses to eliminate charge. Same thing happened with XXXX and XXXX XXXX XXXX, which did remove the incorrect interest charged.
10/22/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	NY 11201	Web
Banco Popular promoted the XXXX credit card. Make one charge and receive XXXX points after one charge. On XX/XX/2019, I opened the card and promptly made one charge after activating it on XX/XX/XXXX. I did not receive the promised points. On XX/XX/XXXX I spoke to XXXX who advised me the points take 6-8 weeks to post. On XX/XX/XXXX I called again and XXXX advised me to contact the bank if the points do not post by XX/XX/XXXX. The points did not post. I do not have time to call the bank repeatedly for their continuous failure to post points.
03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NJ 07071	Web
I finance a car back on XXXX with banco popular of Puerto Rico the account was charge off on XXXX but the balance was paid on XXXX and then they give me the title off the vehicle and right now they are re aging the account to keep it on my XXXX credit bureau and know said that the charge off was XX/XX/XXXX this negative account have already 14 years on my credit because they are re aging it and I have the pay off letter that shows that I paid this car on XXXX I already call them couple of time and make claims to XXXX and nobody help me
05/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR XXXXX	Web	Older American
My information on my XXXX credit report is not accurate. It shows that I paid late on my mortgage with Banco Popular multiple times. XXXX XXXX was the servicer during that time . Banco Popular b egan servicing the mortgage on XXXX 2015. Th ere are multiple 30, 60, 90 and 120 day lates on my credit from before Banco Popular bega n servicing my mortgage. These should not be on my credit. Please verify the date Banco Popular became the servicer and if any payments after they began servicing were late.
02/17/2019	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	PR 00678	Web	Older American
We were asked to send a wire transfer to pay some freight charges. We made the transaction at the bank. About one hour later we received a call from the bank stating the transaction had the characteristics of a fraudulent one.I asked the officer from the bank to cancel it. He told me it will cost {$20.00} and we respond to go ahead and cancel it. This transaction was for {$10000.00}. It was made on XX/XX/2018.We filed a claim but they just gave us a brochure with recommendations to made if we thought we were a fraud victim.
05/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00716	Web
XXXX Conventional real estate mortgage Amount Past Due {$860.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$830.00} Term 360 Months Payment Frequency Monthly ( every month ) On Time Payments 92 % Date Reported XX/XX/XXXX XX/XX/XXXXPayment Status 30 Days Late Amount Past Due {$860.00} Lender Info XXXX XXXX XXXX XXXX XXXX, PR XXXX Remarks Affected by natural disaster. THIS INFORMATION IS FALSE THE ACCOUNT IS NOT LATE THE BANK ACTUALLY OWES ME MONEY AND THEY ARE SENDING FALSE INFORMATION AND AFFECTING MY CREDIT SCORE.
12/07/2023	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	NC 28110	Web	Older American, Servicemember
On XXXX company responded. They did not address how/who/why the account was locked. They also said they needed a document of which we furnished them a copy ( email ) for the 3rd time. Since XX/XX/XXXX we have made NUMEROUS attempts to contact the person we were directed to contact. She was NEVER available and they would not address the status of release of funds. As of now it appears they have blocked our phones or simply will not accept our calls.. This situation has been ingot for 18 months with NO response.
08/05/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00987	Web
I purchased an apartment 7 years ago and I got a ballon mortgage. My mortgage was for {$180000.00} USD. Now I want to refinance my mortgage and the bank told me that I can not do that because now my apartment cost a lot less that when I bought it. I called the bank to request a mortgage modification, and they told me that the modification will affect my credit because, even though the account is up to date, that arrangement was not accorded when I first took the mortgage. What are my options? Is that even legal?
10/08/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	SD 57105	Web
Banco Popular XXXX Visa statement posted on XX/XX/2021 with {$140.00} annual fee. I called the customer service line and to close my account on XX/XX/2021 and the representative stated the fee still applied. I asserted there should not be a fee for a service Im not longer using when I terminated the service before the fee was due on XX/XX/XXXX. The fee has not been waived and Banco Popular is still requiring payment. On XX/XX/XXXX I paid {$140.00} annual fee and called and close the account on XXXX XXXX XXXX.
09/01/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 94080	Web
bank name popular credit service, I received my credit card latest statement and showing my annual fee was charged on XX/XX/16, and I called to Close my credit card and waive the annual fee they charge me, because I dont wan na use this credit card for the next year, but they said they cant waive the annual fee, normally the customer has right to closed the account for the first billing cycle and wont get charged for the new year annual fee, its not fair to the credit card holder please help me, thank you
04/17/2015	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	PR 00953	Web
I have a lease auto loan and I want to payoff the pending amount. The Bank ( Banco Popular de Puerto Rico / Popular Bank of XXXX XXXX ) is calculating my cancellation amount using the Rule XXXX. In addition, they claim a cancellation fee. Therefore, I 'm receiving a double penalty ( using rule XXXX + cancellation claim ). Does the federal code allow use of rule XXXX? It is like a penalty for the consumer who want to pay off the loan before the loan time. Does using double penalty is allowed?
04/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34747	Web
The account i have been disputing with XXXX is the account BPPR - Banco Popular de Puerto Rico Mortgage. The information is wrong because in the report the say last payment received was XX/XX/XXXX and in the history they said that no payment was made First dispute XX/XX/XXXX Second XX/XX/XXXX Third XX/XX/XXXX XXXX. XX/XX/XXXX Still this situation hasnt been resolved when is a clear mistake in my report just by looking at it. All other companies had eliminated this from my report except XXXX
11/18/2016	Yes	Bank account or service Checking account	Making/receiving payments, sending money	PR 00926	Web
Please inform status of check # XXXX. The funds were sent on XX/XX/2016 through XXXX account to Banco Popular .The payment appears to be completed, and the funds were withdrawn from the Pended account in the amount of {$720.00} on XX/XX/2016. The funds were supposed to be applied to the checking account # xxx-xx XXXX with Banco Popular. The check was cashed by Banco Popular and has n't been deposited yet. Attached is a copy of check # XXXX on both sides cashed by Banco Popular. Sra. XXXX
08/04/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	PR 00953	Web
In to my credit report In XXXX appears a auto loan in Banco popular # XXXX with balance {$5400.00} in voluntary surrender that don t belong to me, with XXXX appear the same account paid as agreed open with 2 past due that don t belong to me. This account belong to a XXXX XXXX XXXX mixed in to my credit report with the addresss in XXXX XXXX XXXX XXXX Ct XXXX, XXXX In XXXX id reporte a name that don t belong to me XXXX XXXX or XXXX XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX AK XXXX
07/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00915	Web
15 U.S. Code 1681b - Permissible purposes of consumer reports According to rhe aforementioned law, the information on one s credit report should accurate snd exact Banco popular account XXXX reporting a credit line of XXXX and a charged off amount of XXXX how is that humanly possible. That information is incurate ; you are clearly violating the law and dhould remove this sccount since that debt is no verifyable and it should be deleted inmediately It will be submitted to FCRA as well
05/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 338XX	Web	Servicemember
i still appear on an account that is not mine XXXX court papers that i already send it to XXXX XXXX and XXXX and they dont read that after 30 days of my divorce the house belongs to my ex wife and they still putting the house on my credit reports and im having problems to get another house beacuse of thet .Im tire of sending the courts papers and nobody cares can u help me? Thanks in advance the only company that work on my case and clear everything are XXXX and im greatfull to them
08/10/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	TX 75022	Web
Yesterday I called Banco Popular to ask about the increase in the credit card interest rate. They notified that the rate was increased because the prime rate increased. The bank never send me a notification to let me know about the interest rate increase in order to pay off the balance and avoid paying a higher interest rate. I am claiming a refund for the interest overcharged becaused I was never notified about the interest rate increase. The total cost is {$250.00}. of interest.
10/08/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	PR 007XX	Web
I have a mortgage with Banco Popular de PR. My home suffered damage by the earthquakes in the south. The Bank make me put an insurance to the house, by this date nor the bank or the insurance company helped me with the process to fix the house. The insurance offeres me a low quantity of money to fix it. I ask the bank for helped the only thing they offered me is in benefit of the bank not in the benefit of me or my family. They now are calling me asking when I'm going to pay.
07/27/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PR 00959	Web
I divorced in 2010 and by XXXX 2010 a judge decided that my ex-husband pay the mortgage. XXXX I lowered my punctuation in the credit for the delay that occurred since my ex-husband began paying the mortgage. They can verify that XXXX XXXX XXXX XXXX did perform those payments in arrears have even had to go bankrupt. I make all my payments on time I have no fault that a judge has authorized PR my ex-husband to pay the mortgage. I send you attached evidence of the judge 's order
08/05/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	SD 57106	Web	Servicemember
I checked my credit report and there was a new credit card opened that I know nothing about. I did a dispute with XXXX XXXX and they said they completed the investigation and that the card is good. Its not mine..I know nothing about it. I do not know the account number. I called the company of the card and they know nothing. but they do want my social security number to look up account..not giving that ... And I don't know what the account number is ... so I need some helpl
07/06/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00926	Web
I am receiving calls from a XXXX which seems like a legal number regarding that my ATM is no longer functioning and that I need to do something in this regard ( I never finished the call ). Whoever is calling is impersonating ( it is a recording ) an official from Banco Popular de Puerto Rico. I decided to report this since we have been informed that this is a fraud practice using the numbers of the institution. I am communicating this to the institution as well.
01/20/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 07104	Web
disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This account is not mine. I want to see my signed orginal contract. I want my identity proven 100 % and for them to send me what they have and not a copy of statements. Plus this account is over 5yrs old. They are saying it is verified but where's my proof? What methods are you using to verify?
03/26/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00924	Web
We have the mortgage account overdue for 931 days with the popular bank in the amount of {$13000.00} and the principal owed of {$7700.00}, adding these amounts to a total of {$21000.00}. To the extent possible, is a grant available to settle this account? Currently I work part-time, less than 25 hours, at some times he did work as a XXXX, but I need to settle that account. Like the student loan, that payroll check is debited from that student loan. {$10000.00}
02/17/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00612	Web
A was looking a house for rent and one appear in XXXX, I call the phone number that was on the advertisement, nobody answer to me only they communicate with me via text message from the phone number XXXX and tell me that if i been interested in the house send {$350.00} via mobile ath of the popular bank XXXX XXXX XXXX.I send the money to other phone number that was the one he text me because he will send the keys when he receive the money, but it never do it.
08/02/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	PR 00693	Web
On XX/XX/2022, a person communicated via telephone posing as a representative of the Banco Popular de Puerto Rico, this person in the call indicated the first number of my debit card, for this reason I thought the call was reliable and Provide all of my personal and banking information including my address, social security, driver 's license number, my email, and all of my passwords. I realized that the call was fruitless when I couldn't access my accounts.
05/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ XXXXX	Web	Servicemember
i tried to fix this with the bank and now for the second time they keep reporting wrong information to XXXX credit report. this mortgage went to foreclosed in XX/XX/XXXX and it was removed from my credit inXX/XX/XXXX. why is the bank still reporting this mortgage under my name. i went to puerto rico in XX/XX/XXXX and they were other people living in this house. this bank is a fraud and has a good reputation of doing dirty management like this. please help.
07/09/2021	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	PR 00624	Web
On XX/XX/XXXX on Banco Popular i have the balance to cover 3 ach transactions from XXXX on XX/XX/XXXX, the bank processed the transaction late causing my account to get over the balance. The bank charged {$15.00} for over the limit. Having the balance the bank used the funds to cover a XXXX XXXX XXXX transaction on the same day. The bank dont send the required by law statements. And dont pay the transaction returning the payment and thefting my money.
06/18/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	UT 840XX	Web
My wife and I have a mortgage with Banco Popular in Puerto Rico that we obtained in XX/XX/2106. We speak English only, and have told them on numerous occasions to send us servicing notices in English. They keep send important notices ( such as about hurricane insurance or property insurance ) in XXXX only. This is unlawful and needs to stop. When I tried to call again today, I got the runaround and finally was disconnected with no one helping me.
06/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00969	Web
XXXX XXXX was buy by Banco Popular de PR, on my credit report appear the loan by reliable with a XXXX + debt which is not correct and XXXX no longer exist is merged into Popular auto also popular auto account appear double with two loans that are really the me with balance of over {$10000.00} plus the XXXX of XXXX. The actual amount owed is {$9100.00}. The bank is requesting reports, letters, complain to fix their accountability incompetence.
07/18/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	PR 00985	Web	Older American, Servicemember
APPLIED FOR A CREDIT CARD WITH BANCO POPULAR DE PUERTO RICO, REGION/DEPT, XXXX XXXX XXXX PR, XXXX XXXX XXXX, XXXX XXXX XXXX. TEL XXXX XXXX application # XXXX. APPLICATION WAS DENIED BECAUSE OF MY Age [ XXXX XXXX ] ONLY BECAUSE I WAS LATE PAYING A CREDIT CARD WITH XXXX ONLY TWICE BECAUSE I DID NOT RECEIVE THE PAPER STATEMENT. I AM NO GOOD WITH TECHNOLOGY AND NOW MY DAUGHTER REGISTERED THAT THE PAYMENT BE MADE AUTOMATICALLY FROM MY BANK ACCOUNT.
08/08/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	TX 75238	Web
My father, XXXX XXXX passed away a year ago in XXXX XXXX. My sister XXXX XXXX was his care taker and had guardianship over my fathers affairs both financial and medical. Banco Popular, where my father maintained his account has refused to release the remaining funds to my sister. What are our options? My sister is single and makes minimum wage and could use the funds to help to support herself and her children. Who can we contact? Please help!
01/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NC 28210	Web
Account all of a sudden displays {$0.00} credit limit, but I haven't closed the account. Called the bank using the number on the back of the card and they said it has been closed for over a year ( it hasn't! ) and they can't re-open because it has been more than 180 days. The XXXX statement still has a credit limit on it, which is less than 180 days ago, so the person on the phone is obviously telling a lie. Also I didn't close the account!
12/01/2020	Yes	Mortgage VA mortgage	Trouble during payment process	PR XXXXX	Web	Older American, Servicemember
My mortgage payment was {$59000.00} with the payment of XX/XX/2020 the payment of XXXX went up to $ XX/XX/XXXX.No explanation from banco popular.Had a home insurance policy with segurosmultiples.This policy was canceled several times this year.My mortgage holder ( Banco popular ) never informed me that my coverage had been terminated.Had to make many calls to banco to finally be informed that my coverage was in effect until XXXXXX/XX/XXXX
08/12/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 77095	Web
An annual fee of {$140.00} was charged on this credit card by Banco Popular de Puerto Rico on XX/XX/2021. I cancelled this card on XX/XX/2021 which is only 2 weeks after annual fee posted. I called the bank for the refund of the annual fee, but the customer service declinded to refund my annual fee. They claim they can't do that once annual fee posted. The fees were paid in full by auto payment and I would like to get annual fee back.
04/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NJ 08861	Web	Servicemember
This account was closed and resolved. It was not on my credit report. The last payment on this house was XX/XX/XXXX and it went to foreclose in XX/XX/XXXX. This account did show on my credit report for the past 11 plus years. I have spoken to several employees from this bank and they all just give me the round around, most of them just hang up or leave me on waiting. They do not want to give me any proper documents to support my case.
08/11/2022	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	VA 20110	Web
I applied for an FHA loan via banco popular in XXXXXX/XX/2022. I worked with XXXX XXXX XXXX who informed me I would not be accepted for a loan due to me not selling my current home. I explained I had a tenant lined up and would be able to provide a lease before closing but XXXX who was a mortgage consultant denied my opportunity to move forward with the loan and refused to return my calls or emails asking for a denial in writing.
11/29/2021	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	PR 00736	Web
This phone number, XXXX ( XXXX ) XXXX, keeps calling to report that the XXXX Mobil App is blocked and that you have to give personal amd financial information to establish it. I haven't been affected because, I don't give my information through the phone. The bank ( Popular Bank of Puerto Rico ) in charge of this app has published that this types of calls are a fraud. That's why I want to report this number : XXXX ( XXXX ) XXXX.
08/26/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AZ 85340	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
07/08/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	PR 009XX	Web	Older American
I need my bank statements from XX/XX/XXXX to XX/XX/XXXX ; I have been asking Banco Popular de Puerto Rico - where my account is from XXXX until now for this evidence ; and the answer is that they destroyed the information, that they only hold the last seven ( 7 ) years. That they charged {$10.00} dollar per page ; which is outrageous, but still I'm the one who needs the information. Please, help me!!! This a personal account.
11/22/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Payment process	NY 11228	Web
I enrolled in the biweekly payment program at Banco Popular for my conventional mortgage, and the next statement it showed that my partial payment was unapplied and being held until the other partial payment was sent through. This defeats the purpose of providing a biweekly payment schedule, where it would be understood that a payment received would be applied towards the principal and interest rather than being held unapplied.
06/09/2023	Yes	Mortgage FHA mortgage	Incorrect information on your report Account information incorrect	PR 00637	Web
In Summary, Banco Popular of Puerto Rico sent information that is not accurate to the Credit Bureaus since I am still disputing a property tax debt with a government agency. Therefore, they were supposed to send accurate infornation after a debt final resolution and not before. Furthermore, to pay this debt the Bank accept an amnesty without my permission. For further details refer to letter attached. THANKS for your attention.
06/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11218	Web
BP-VISA XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
05/22/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00985	Web	Servicemember
Banco Popular de Puerto Rico ( XXXX XXXX ) Received a call from an unknown number ( XXXX ) stating that my bank account had been compromised. I waited for the automated message to finish and indicating the above situation. Then their customer service number started ringing. I waited to see if somebody picked up but i guess they heard me saying I was gon na play a joke on them, knowing it was a scam, the person hung up.
03/23/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	NY 11234	Web
Received the XXXX statement the first week of XXXX, saw that the annual fee hit. called the company to close the account and remove the annual fee. they closed the account and said the annual fee was removed. in the first week of XXXX received the XXXX statement with a late fee and the annual fee. called the company and they refuse to remove the annual fee and the late fee and they are threating to go to collections.
09/08/2021	Yes	Checking or savings account Savings account	Closing an account Funds not received from closed account	FL 339XX	Web	Older American, Servicemember
On XX/XX/2021 we requested to close our Banco Popular Puerto Rico savings account. Was informed that it would take 5-10 days to receive the funds. Have made contact with them on a weekly basis and have been informed that we would be receiving the check shortly. To date, we have not received anything from them. I have documentation from the bank of when the request was done and information they requested from me.
02/27/2021	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	PR XXXXX	Web
I have a savings account that has been freezed by the bank because there has been no activity for 12 months. I have been trying to transfer money from my checking account, but are not allowed. Meanwhile, they are taking away {$5.00} monthly. I have contacted them via email and no response. I visited 2 days ago and they were supposed to give me access to my account yesterday, and I still have no access today.
10/17/2019	Yes	Checking or savings account Checking account	Closing an account Company closed your account	PR 00624	Web
The company closed my account by reprisal of opening a case into the consumer financial protection bureau. The bank dont sent me the bank statement of the account that is required by law. They only write some of my transactions on their response to the case. I need a professional bank statement required by law. If I dont receive the bank statement, CFPB must apply a fine to the bank for not comply the law.
05/31/2022	Yes	Checking or savings account Savings account	Managing an account Problem using a debit or ATM card	PR 00926	Web	Older American
I received a call from a person identify as an employee of Banco Popular de PR related to the way I was using my ATH movil. They scam XXXX from my personal account and the bank gave it back but the same time the scam in various transaction a total amount of {$2400.00} and the instituted said I am not insured because it is a commercial account. But how is posible to scam a comercial savings account?
10/08/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR 00771	Web
After having XXXX XXXX go XXXX a major diasaster XXXX XXXX, the bank is offering a moratory of 3 months and then we have to pay the 3 months in XXXX XXXX or go XXXX a loss mitigation process that does not aliviate our diaster process. Some of XXXX have also lost our jobs or have to start from scratch and the bank does not offer a process in order to move these payments to the end of our mortgage.
10/30/2017	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	NC 27886	Web
XXXX of 2017 the following companys released loans to someone using my identity and social security number with out my consent XXXX XXXX XXXX vehicle lease or loan XXXX XXXX a vehicle lease or loan XXXX XXXX A vehicle lease or XXXX XXXX XXXX savings and loan a vehicle lease or loan I do not have any of these merchandises and this is on my credit reporting as having recieved. Effecting my credit.
10/06/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	NY 117XX	Web
Once again I was incorrectly charged a {$15.00} fee. This has been an ongoing issues which I have been promised on multiple occasions would be corrected so it does not keep happening. It is shocking to me that you haven't flagged my account with a fee waiver to avoid this from happening on a monthly basis. This has been the single worst customer experience with a bank I have ever experienced.
09/22/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 91766	Web
On XX/XX/2021, an annual membership fee of {$140.00} was posted to my account. On XX/XX/2021, I received an email notifying me of a statement generated. On XX/XX/2021, I called to cancel the credit card and to have the {$140.00} annual membership fee charge reversed because I did not agree to the {$140.00} charge. Representative refused to reverse the {$140.00} annual membership fee charge.
03/12/2018	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 33138	Web	Servicemember
I tried accessing my account and it says that my username has been changed. I NEVER changed it. It prompted me to reset it, and NOTHING happens when I enter the information. I tried calling and no one answers the phone. I called again and it prompted me to provide my phone number so that someone could call me back in 24-38 minutes. They called me back and hung up. This bank stole my money!
05/17/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR 00680	Web
I have problem to submit mortgage payment since XXXX XXXX until now XXXX XXXX . The bank BPPR : Banco Popular of PR never contact me. I received a letter from a legal firm on XXXX XXXX XXXX indicating that they represent the bank and will begin foreclosure proces s one mon th of the letter receiving. This action doesnt reflect a good will attitude from the bank.
12/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 064XX	Web
Hard Inquiry from called Banco Popular De Puerto Rico. I live in US, never applied for anything with this company. I just found it today when I happened to check my credit. This was done on XX/XX/2018 I did notice my credit score went down and why I checked it. I called their # and was told to call the credit company. I call them ( XXXX ) abd they state they cant remove or investigate.
03/20/2017	Yes	Credit card	Credit determination	PR 009XX	Web
I LIVE IN XXXX AND FILED BANKCARUPSY ON XX/XX/1998, ONE OF THE CREDIT CARDS INCLUDED IN THE BANKRUPSY WAS WITH BANCO POPULAR OF PUERTO RICO. THE BANK WILL NOT EXTEND ME ANY TYPE OF CREDIT BECAUSE INTERNALLY THEY STILL HAVE THAT CREDIT CARD AS BAD DEBT EVEN IT WAS INCLUDED IN THE FILING. BANCO POPULAR PENALIZES YOU PERMANENTLY EVEN WHEN MY CREDIT RIGHT NOW IS COMPLETELY REHABILITATED.
12/28/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	PR 00698	Web
Greetings, in order to write to you I had to choose this option, but really what happens is that I have a financial bankruptcy and I want 2018 more or less, I know that a bankruptcy takes XXXX years to go off the credit, I I wonder if there is any way that bankruptcy can be removed from my credit history? Or alone It remains to wait for those XXXX years to go away? Thanks a lot
07/16/2023	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	PR 00915	Web
I have reported issues to retire money from atm machines at any banco popular of XXXX XXXX facility atm withdarwal limited to only {$200.00} intead of {$500.00} which is the XXXX XXXX Popular makes this decision for no reason and never notifies me ; then it blocks the funds and I am not able to withdraw money from my account this is a very frustrating and embarasing situation
09/18/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 94606	Web
XXXX XXXX XXXX Credit Card by Banco Popular de Puerto Rico. Annual credit card renewal date of XX/XX/2021. {$140.00} annual fee charged without prior notification on XX/XX/2021 Noticed annual fee on statement on XX/XX/2021. Closed credit on XX/XX/2021 with refusal to refund annual fee even though the card has not been used for over a year due to COVID and lack of travel.
05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PR 00956	Web
Unauthorized credit inquires and fraudulent accounts opened without my consent. Inquires 1 XXXX XXXX XXXX XXXX XXXX 2 ) XXXXXXXX XXXX XXXX XXXX XXXX 3 ) Popular Auto XXXX XXXX 4 ) Popular Auto XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX XXXX Accounts 1 ) XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX 3 ) Banco Popular PR XXXX XXXX XXXX
04/09/2022	Yes	Credit card or prepaid card Store credit card	Getting a credit card Application denied	GA 30035	Web
On XX/XX/2022, I completed a credit application for the XXXX XXXX XXXX. The credit application was denied. I received the denial letter via USPS. I do not agree with this decision as my credit was extended for consideration and did not receive the credit in the fair exchange of this application process. Poplar Bank violated my consumer rights under the color of law.
03/28/2018	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	PR XXXXX	Web	Older American, Servicemember
Banco Popular de Puerto Rico is reporting as adverse an account from XXXX as a Real State Mortgage debt in my credit report with delinquency of 120 days in XXXX to XXXX. 1. The original creditor was XXXX and was not a Real State Mortgage. 2. They both creditor are ignoring my right to verify the debt and sending me one to the other. 3. It's a time-barried debt.
11/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 009XX	Web
I never paid my Banco Popular Mortgage late. I requested all copies of payments made to Popular Mortgage to verify its accuracy and any discrepancies, and Popular Mortgage has continually ignored all of my requests. By law any discrepancies that can not be proven has to be removed from my XXXX credit file. I would appreciate anything you can do for me. Thank you.
11/03/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 33486	Web
I filed a CFPB complaint ( XXXX ) to Banco Popular for charging me an annual fee and not letting me use the card, and now they closed my account without ANY COMMUNICATION. They stated they suspect identity theft but it 's me all along, this is absolutely insane. If they want to verify my identity all they have to do is contact me but they never did.
04/10/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with cash advance	MS 39532	Web
I was. Contacted via text from a guy stating he was a Fiancial rep for XXXX XXXX XXXX XXXX extension XXXX. He gave me the loan the filling morning XXXX. However, he told me I needed to send XXXX back for verification purposes and then he would fully release the funds. He then withdrew the XXXX and took the XXXX. This is a total con XXXX XXXX. XXXX.
11/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PR 00738	Web
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # BANCO POPULAR XXXX XXXX & XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
06/02/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	PR 00924	Web
I had started a new job, that I never told the bank about because I didn't even have a month working their, and while I was home before going to work one day, ( XX/XX/2019 ) I get a call and text message from my supervisor telling me that agents from the bank are at my job place looking for me, and left a card with the supervisor about my debt.
04/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33880	Web
Since XX/XX/XXXX I am requesting Banco Popular to show a second mortgage account as closed in my credit report and they ignore me. I even talked to them over the phone last year and they recognized it was a mistake and agreed to fix it but the account still shows as an open account in delinquency. This house was sold by the bank by XX/XX/XXXX.
10/08/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	UT 840XX	Web
Banco Popular is using an unlawful loan-to-value ratio of 75 % to cancel our private mortgage insurance requirement, instead of the 80 % LTV required by the Homeowners Protection Act. After receiving notice of their rejection of our PMI cancellation request, we called them to point out the error and they would not fix the problem.
08/20/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	PR 00953	Web
I CANCELED the XXXX XXXX policy effective XX/XX/2022 due to losing my job on XX/XX/2022. Payments for this policy were always made through the XXXX XXXX website and I never signed a document authorizing XXXX XXXX for automatic debit. XXXX XXXX debited {$450.00} on XX/XX/2022 to my Bank account without being authorized.
04/13/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 75181	Web	Older American
Popular Bank of Puerto Rico charged me an annual fee. When I close the account and requested to waive that fee because I will not use the credit card anymore, they told me I have to paid that annual fee, no matter what. I wrote to the Bank CEO, Mr. XXXX XXXX, explaining to him the issue and asking him for help. No answer.
09/03/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PR XXXXX	Web
Banco Popular de Puerto RicoMortgageDespite being completely up to date, this bank has been harassing me since XXXX 2015, every month by calling on the 1st, 2nd and 3rd day of each month to pressure me to pay and when they can expect payment. I repeat, the mortgage is not in arrears or default, it is completely up to date.
04/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 352XX	Web
XXXX BANCO POPULAR , PU this is identity theft and I reported it as such. someone used my information to obtain a loan and the loan company has not removed this from my credit report. I filed a police report and reported info to the ftc. Highest balance {$7000.00} Monthly payment {$160.00} Opened XX/XX/2021 ( 8 mos )
08/28/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 77055	Web
My annual fee of {$59.00} posted on my XXXX XXXX Banco Popular Visa on XX/XX/XXXX. I went to close the card on XX/XX/XXXX and was told that the annual fee can not be reversed and this was a policy change. I do not think this is fair considering I am still within a 30 day window and especially during this time of covid.
02/03/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	PR XXXXX	Web
Repeated calling more than once a day. I remind collector the same thing each day called and even explained options available. I have requested not to be contacted at such frequencies due always the calls are at working hours. Creditors are also calling family members. Some operators have even escalated tone of voice.
07/17/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11432	Web
I have tried for months to communicate with a credit card company with holds on the phone for hours, then I will be disconnected. I have no means of communication to settle a charged off account, and I do not wish to file for bankruptcy. My contact information is listed within this complaint. Thank you. XXXX XXXX
09/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PR XXXXX	Web
I call each company to they give information about this inquire and they said could not help me that in need to contact the credit XXXX and XXXX I did and they said I need to contac the company and it been 2 years in this XXXX XXXX XX/XX/XXXX Banco Popular XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
04/28/2023	Yes	Checking or savings account Savings account	Closing an account Funds not received from closed account	NY 10028	Web
Popular Direct withdrew {$5000.00} from one of my accounts there and abruptly closed that account and claimed that the money went to my XXXX XXXX XXXX XXXX XXXX Account. It showed that they withrew the {$5000.00} on XX/XX/2023 but XXXX XXXX never received it and said they do not even see the transfer.
07/31/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	VA XXXXX	Web	Older American
Credit card with BANCO opened with my personal information after my address was changed through the USPS without my authorization and a plane ticket for {$170.00} purchased in my name and a trip made from Florida to Puerto Rico in XX/XX/XXXX. I called BANCO and reported to their fraud dept.
02/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	XXXXX	Web	Servicemember
Banco Popular de Puerto Rico informed XXXX and other credit bureaus that my XX/XX/2018 mortgage loan ( account no. XXXX ) payment was 60 days late. That is incorrect. On XX/XX/2018, I made the payment for {$4500.00} and was provided confirmation number XXXX by the bank representative.
06/10/2019	Yes	Mortgage FHA mortgage	Closing on a mortgage	PR XXXXX	Web	Older American
In communication with a representative of mortgage claims of Banco Popular tells me that the payments applied to my mortgage loan were for legal expenses for {$450.00} and not to credit my mortgage ( Claim XXXX XX/XX/2019 ). When they notify me that they are only {$50.00}. See Evidence.
11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PR 00915	Web
They reported two accounts that are not mine and one has more than 7 years and they don't send me the method of investigation, take more than 30 days or more to replay me they have multiples violation and they don't do the right thing and deleted this accounts from my credit report
06/18/2019	Yes	Money transfer, virtual currency, or money service International money transfer	Fraud or scam	TX 775XX	Web	Older American
I PAID IN 2016 OVER {$20000.00} TO 2 COMPANIES XXXX XXXX AND XXXX XXXX. THESE 2 COMPANIES SCAMMED ME AND THE PAYMENTS WERE DONE BY XXXX. I TRIED TO CONTACT THEM AND THE PHONE NUMBERS ARE NOT IN SERVICE. THERE WAS ANOTHER COMPANY CALLED BANCO AND THEY WERE A PART OF THE SCAM ALSO.
11/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	CA 91606	Web
I do not HAVE A BANCO POPULAR Credit Card!!!! I have a " XXXX XXXX '' Card and Banco Popular has been fraudulantly reporting charges on my account as a representative of XXXX XXXX and they are not XXXX XXXX. XXXX XXXX is my mortgage company and does not offer credit cards.
09/09/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 92127	Web
XXXX XXXX credit card company charged me {$140.00} annual fee on XX/XX/2021. I called to cancel this credit card as I have no travel plans this year due to COVID-19. I was told that I will be still responsible for paying the annual fee regardless of immediate cancellation.
11/11/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR XXXXX	Web
Banco Popular de Puerto Rico 1. Closed my applications due to its own excessive delays 2. Delayed approving or denying my application 3. Failed to alert me in time about incomplete application 4. Offers a Loss Mitigation Trial Period if I desist from my counterclaim.
04/02/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00729	Web
I was charged more than 30.00 Us dollars from the " Banco Popular de Puerto Rico '' for a transaction that was not supposed to be posted on XX/XX/19. I had called the " Banco Popular de Puerto Rico '' to solve the matter, they did not want to listen nor help me.
04/14/2023	Yes	Checking or savings account Checking account	Managing an account Fee problem	PR 00610	Web
Ask for a bank statement with Banco Popular in Puerto Rico, they asked for XXXX , in junk fees, for giving you the statement in the bank plus another amount per page. Also their maintenace bank fee is XXXX $ and taking money out of another ATM is another {$8.00}
03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	PR 00915	Web	Older American, Servicemember
The Banco Popular of XXXX XXXX or Popular Auto, make a fraudulent payment on XX/XX/XXXX, for a car account that was closed in XXXX to maintain my credit affected. Have more than XXXX years of this account was closed and still appears in my credit report of XXXX
04/25/2018	Yes	Mortgage FHA mortgage	Incorrect information on your report Account information incorrect	PR 00795	Web	Older American
THIS ACCOUNT WAS TRANFERRED FROM XXXX XXXX TO THE POPULAR BANK WITH ERRORS OF LOSSES THAT DO NOT BELONG TO THAT ACCOUNT. THE POPULAR BANK CAN NOT REPORT THAT NEGATIVE INFORMATION IN MY CREDIT REPORT BECAUSE I HAVE NEVER PAID WITH XXXX TO THE POPULAR BANK.
11/04/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	NY 10460	Web
On or about XX/XX/2022, I requested a money transfer from my personal checking account to my XXXX account. The funds was sent to the wrong person/email by Popular Bank . After submitting my complaint and waiting 90 days for my refund, they denied my claim
08/10/2020	Yes	Checking or savings account Savings account	Closing an account Funds not received from closed account	VA XXXXX	Web	Older American
Since at least XX/XX/2020, l have being trying to close my account & get my money from Banco Popular in XXXX XXXX. XXXX XXXX in XXXX is aware and my account is now closed I have not received my money yet, but they keep taking fees for inactive account.
10/18/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	VA 22206	Web
The {$140.00} annual fee posted on my travel credit card. I decided to close it because of COVID and I don't travel much. I requested the card to be closed, and Banco Popular refused to refund the annual fee. Please refund the {$140.00} I had to pay.
07/12/2022	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 00987	Web
I am trying to buy a foreclosed house from a Popular Bank ( Banco Popular de Puerto Rico ( XXXX XXXX XXXX but they are doing internal auctions, increasing the value of the properties and keeping the extra profits, often with cash sales.
12/30/2020	Yes	Checking or savings account Checking account	Managing an account Fee problem	NJ 08816	Web
Please see attached letter, which explains in detail the situation. In summary, Banco Popular is assessing outrageously high and inappropriate fees for me to access historical records of my account, that should be provided without cost.
09/29/2016	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	PR 00926	Web
Now that the CFPB is proud of solving XXXX XXXX complaints I would like you to take a look to the complaint that I submitted back in 2012. ( XXXX ). The complaint was closed without even provide a response. Please review the complaint
05/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33880	Web
I already submitted a letter requesting the XXXX to report the XXXX MORTAGEas closed in my credit report and they haven't corrected the issue. The letter send to my credit report belongs to the first mortgage not the second XXXX.
09/01/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	NY 117XX	Web
My promotional account bonus in the amount of {$250.00} for signing up for he account was due on XX/XX/23 and it has not posted. I have had nothing but problems with this account as their was a banking error nearly every month.
12/06/2015	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	NY 11219	Web	Servicemember
I have tried several time to get this removed from my credit report IT IS NOT MINE, IT IS NOT MY NAME. XXXX XXXX XXXX ACCOUNT # XXXX, XXXX REFUSES TO REMOVE. XXXX XXXX AND XXXX XXXX XXXX IS not my name, so remove from my file
03/28/2022	Yes	Checking or savings account Savings account	Closing an account Can't close your account	TX 77494	Web
I closed my savings account last year. I still have not received my final account statement. Banco Popular deactivated my online access to view my electronic statements, but they won't send me the last statement by mail.
06/26/2019	Yes	Mortgage FHA mortgage	Closing on a mortgage	PR XXXXX	Web	Older American
Legal expenses not reported and collected ( XXXX and XX/XX/2016 ) for {$400.00}. Insufficient funds charges, other charges and title cost not reported and charged for {$55.00} ( XXXX and XX/XX/2016 ).
08/23/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX XXXXX	Web
The annual fee of {$140.00} hit on my account on XX/XX/21, I tried to call them to close the account to avoid the fee the same day, and they closed the account but refused to refund the annual fee.
02/15/2023	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	TX 76040	Web
Unable to access my funds in account, can't ACH in or out, can't add external account, can't deposit check, impossible to find account information, never been provided Debit card to use
04/13/2021	Yes	Mortgage VA mortgage	Closing on a mortgage	PR 00784	Web	Older American, Servicemember
Va loan closing of a Banco popular loan in XXXXBanco charge over {$7000.00}. In funding fees.As a XXXX veteran my funding fee should have been {$0.00}. certainly not over {$7000.00}.
09/20/2023	Yes	Checking or savings account Savings account	Closing an account Funds not received from closed account	CA 941XX	Web
They closed my account without notice. A few days after, they pulled XXXX from my other bank as a deposit It has been 2 weeks and my money is still with them in the closed account
12/10/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	UT 840XX	Web
Banco Popular has charged us {$450.00} for fees for no reason. When we called to complain, they acknowledged that the fees were charged improperly but have not credited us for them.
09/05/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	NY 11418	Web
The account name is XXXX XXXX XXXX XXXX. I had a name change and have not changed my name with the bank. The atm did not dispense the funds bank is not honoring the claim.
09/23/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 78703	Web
Called to close card but still receive the annual fee statement for next year. I am not renewing this card, so I shouldn't pay the annual fee for this coming year.
09/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PR 00924	Web
I CALL THE COMPANY SEVERAL TTIME AND THEY SAID THAT I HAS TO CALL THE CREDIT REPORTING AGENCY AND I BEEN IN THIS SITUATION LONG TIME THIS IS A FRAUDULENT INQUIRY
07/30/2019	Yes	Mortgage FHA mortgage	Closing on a mortgage	PR XXXXX	Web	Older American
collection of legal expenses and other charges without presenting evidence of valid proof of claim for these charges. They only quote it but they don't show it.
04/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33461	Web
I paid my account in full months ago. I requested a paid in full later and for my credit report to be updated. Nothing has been done as yet about this matter.
07/19/2023	Yes	Checking or savings account Checking account	Closing an account Company closed your account	PR XXXXX	Web
XXXX day I tried to access my Banco Popular account online and it didn't exist anymore. I never received any notification about it being closed or why.
09/12/2016	Yes	Bank account or service Checking account	Using a debit or ATM card	CA 945XX	Web	Older American
XXXX Financial Abuse from Checking, Savings and CD, Manipulation of funds, disregard for Customer complaints policies and procedures. See attached
09/13/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	VA 22204	Web
The company charged an annual fee of {$140.00} on my account on XX/XX/2021. I canceled the card but the company refused to refund the annual fee.
07/23/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	PR 00624	Web
The bank never sended the statement of my account. Im trying to access it and the profile user id says that is invalid username with my username.
03/21/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00983	Web	Older American
I ca n't pay no more the apartmente because of XXXX. I want to deen in lieu the apartment but the bank do n't want to received it.
08/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PR 007XX	Web
XXXX XXXX, 2022 The problem si that the popular banck of XXXX XXXX deos not report the mortgage Oln to the credit agnciese
05/30/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	PR 00924	Web	Older American
Debt is over 7yrs covered by statue Of limitations. Previously disputed on the XXXX credit bureaus. Debt dates back 1999
10/19/2023	Yes	Checking or savings account Checking account	Closing an account Can't close your account	NY 117XX	Web
Please close my account. I have had nothing but problems with fees on my account and just want it closed at this point.
10/21/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00987	Web
My mortage comapany Banco Popular of XXXX, refuses to modify my loan so I can keep my home. Investor is XXXX XXXX XXXX.
07/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07109	Web	Servicemember
Banco Popular De Puerto Rico removal from XXXX, XXXX, and XXXX XXXX from my credit report. date XX/XX/2020 XXXX.
05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00915	Web
An auto car loan with XXXX XXXX XXXX XXXX XXXX it is not reporting to the credit bureaus for more than a year
06/23/2020	Yes	Mortgage FHA mortgage	Closing on a mortgage	FL 33027	Web
The bank never disclosed the notice of right to cancel require by the TILA and never explained to us anything.
05/24/2019	Yes	Mortgage FHA mortgage	Trouble during payment process	PR XXXXX	Web	Older American
Mortgage arrears for {$450.00} not applied to my mortgage. My mortgage no arrears when filin chapter XXXX
08/15/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	PR XXXXX	Web
Banco popular and XXXX XXXX have a car record in my credit file more than seven years this is illegal
07/27/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	PR 00727	Web	Older American
payments are reflected late in the amortization rate, I have the application and are not reflected
03/21/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Credit monitoring or identity theft protection services Problem with product or service terms changing	PR 00959	Web
I was under personal circumstances and were convince to accept. Then no help to pay the debt.
04/19/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	PR 00976	Web	Older American
Call from XXXX mention that I have problem with the XXXX system in XXXX XXXX ... XXXX-2022
11/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00728	Web
Shows a late payment for the month of XX/XX/2017 when card has not even been activated.
03/28/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	PR XXXXX	Web	Older American
XXXX is billing me around XXXX USD for their XXXX XXXX and I do not have the service.
08/21/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	NE 68502	Web
Bank accounts were opened fraudulently and without my permission
12/27/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	PR 00983	Web	Older American
Suspicious of fraud Debit on XXXX eft {$250.00} XXXX XXXX XXXX
12/21/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR XXXXX	Web
Unreported surcharges which appear in the mortgage report.
03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PR 00926	Web
ACCOUNT HAS NOT BEEN VERIFIED WITHIN 30 DAYS
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00730	Web
Inquiry not authorized on XX/XX/2023
01/30/2024	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	FL 33146	Referral

01/29/2024	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	PR 00956	Web

01/26/2024	Yes	Checking or savings account CD (Certificate of Deposit)	Opening an account Didn't receive terms that were advertised	CA 95959	Web	Older American

01/25/2024	No	Checking or savings account CD (Certificate of Deposit)	Opening an account Didn't receive terms that were advertised	CA 91505	Web

01/25/2024	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Banking errors	CA 95001	Referral

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75093	Web

01/18/2024	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	PR 009XX	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00676	Web

01/09/2024	Yes	Mortgage Conventional home mortgage	Improper use of your report Reporting company used your report improperly	PR 00680	Web	Older American

01/08/2024	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	PR 00936	Phone

01/05/2024	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	NY 10952	Web

01/04/2024	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	PR 00637	Web

01/03/2024	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	NC 28115	Web	Older American

12/28/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Problem accessing account	FL 33435	Referral

12/27/2023	Yes	Checking or savings account Checking account	Managing an account Fee problem	PR 00613	Phone

12/27/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Funds not received from closed account	CA 92058	Web	Servicemember

12/21/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	PR 00728	Web	Servicemember

12/19/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00778	Web

12/18/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	PR 00924	Web

12/18/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Problem with renewal	FL 33166	Phone	Older American

12/14/2023	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	IL 60615	Web	Older American

12/12/2023	Yes	Credit card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	FL 33498	Phone	Older American

12/12/2023	Yes	Checking or savings account Checking account	Closing an account Fees charged for closing account	NJ 08863	Web

12/11/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	PR 00769	Postal mail

12/06/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	VA 22191	Web

12/05/2023	Yes	Checking or savings account Savings account	Opening an account Didn't receive terms that were advertised	CA 95158	Web

11/27/2023	Yes	Checking or savings account Savings account	Problem caused by your funds being low Overdrafts and overdraft fees	CA 90036	Web	Older American

11/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 20770	Web

11/25/2023	Yes	Checking or savings account Savings account	Closing an account Can't close your account	TN 37518	Web	Older American, Servicemember

11/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33032	Web

11/21/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	AE 09096	Web	Servicemember

11/13/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process Lien release	NY 11720	Web

11/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92139	Web	Servicemember

11/02/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	PR 00926	Web

11/01/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	XXXXX	Web

11/01/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Can't close your account	VA 22033	Web	Older American

11/01/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	NC 28110	Phone

10/25/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Payment process	PR 00680	Phone	Older American, Servicemember

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33032	Web

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91103	Web

10/16/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	UNITED STATES MINOR OUTLYING ISLANDS 00771	Web

10/15/2023	Yes	Mortgage FHA mortgage	Trouble during payment process Payment process	PR 00923	Web

10/11/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	NY 10021	Web

10/10/2023	Yes	Mortgage Conventional home mortgage	Credit monitoring or identity theft protection services Problem with product or service terms changing	PR 00915	Phone

09/25/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Loan sold or transferred to another company	PR 00784	Web

09/22/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	PR 00915	Phone	Older American

09/12/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	CA 900XX	Web

08/30/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00963	Postal mail

08/16/2023	Yes	Checking or savings account Savings account	Closing an account Company closed your account	PR 00718	Phone	Older American

08/08/2023	Yes	Checking or savings account Savings account	Opening an account Didn't receive terms that were advertised	OR 97703	Referral

07/14/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 34769	Web

07/12/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	VI 00803	Web	Older American

07/11/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00966	Referral

06/29/2023	Yes	Checking or savings account Savings account	Closing an account Company closed your account	NJ 08103	Phone

06/26/2023	Yes	Checking or savings account Savings account	Opening an account Unable to open an account	NY 11201	Phone

06/24/2023	Yes	Mortgage FHA mortgage	Incorrect information on your report Account information incorrect	PR 00637	Web

06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00725	Phone

06/19/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00918	Web

06/13/2023	Yes	Checking or savings account Savings account	Closing an account Company closed your account	CA 90069	Web

06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	MA 011XX	Web

06/05/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	PR 00660	Web

05/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	PR 00725	Web

05/09/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00637	Web

05/05/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00926	Web

05/01/2023	Yes	Checking or savings account Checking account	Closing an account Company closed your account	NY 11235	Referral

04/30/2023	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 00767	Web

04/27/2023	Yes	Checking or savings account Savings account	Closing an account Funds not received from closed account	PA 18103	Referral

04/21/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 33837	Web

04/18/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00969	Phone

04/17/2023	Yes	Checking or savings account Savings account	Managing an account Problem accessing account	PR 00718	Phone	Older American

04/13/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with fraud alerts or security freezes	AZ 85254	Web	Older American, Servicemember

04/12/2023	No	Checking or savings account Savings account	Managing an account Deposits and withdrawals	CA 95032	Web

04/11/2023	Yes	Checking or savings account Savings account	Managing an account Problem accessing account	NY 10028	Phone

04/09/2023	Yes	Checking or savings account Savings account	Closing an account Company closed your account	NJ 08054	Web

04/04/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	PR 00688	Postal mail

03/31/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 33018	Web

03/29/2023	Yes	Checking or savings account Savings account	Closing an account Company closed your account	IL 60659	Web	Older American

03/28/2023	Yes	Checking or savings account Checking account	Managing an account Cashing a check	NC 28682	Web	Older American

03/27/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	FL 33913	Referral

03/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PR 00985	Web

03/20/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 33018	Web

03/14/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NY 11231	Web

03/09/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	PA 17042	Phone

03/08/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	PR 00956	Web

03/01/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	PR 00718	Web

02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85254	Web	Older American, Servicemember

02/25/2023	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	FL 33185	Web

02/23/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	PR 00969	Web

02/16/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	FL 33180	Web

02/10/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	PR 00912	Phone

02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00667	Web

02/02/2023	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 00791	Web

02/01/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	PR 00936	Postal mail

01/30/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NY 10038	Web

01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PR 00960	Web

01/24/2023	Yes	Checking or savings account Savings account	Managing an account Banking errors	CA 92056	Web

01/19/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00956	Phone

01/16/2023	Yes	Checking or savings account Savings account	Managing an account Problem accessing account	PA 19136	Web

01/11/2023	Yes	Checking or savings account Savings account	Problem with a lender or other company charging your account Transaction was not authorized	PR 00725	Web

01/04/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	PR 00602	Referral

01/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PR 00612	Web

01/03/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	VA 24153	Phone	Older American, Servicemember

12/30/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR 00918	Web

12/29/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00637	Web

12/27/2022	Yes	Checking or savings account Savings account	Managing an account Banking errors	NY 11385	Web

12/22/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	PR XXXXX	Web	Servicemember

12/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PR 00612	Web

12/15/2022	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	PR 00928	Web

12/12/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR 00923	Web

12/10/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	PR 007XX	Web

12/02/2022	Yes	Mortgage FHA mortgage	Closing on a mortgage	PR 00727	Web

11/30/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PA 19067	Phone	Older American

11/28/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00730	Phone	Older American

11/16/2022	Yes	Mortgage Other type of mortgage	Closing on a mortgage	CA 92082	Web

11/11/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	PR 00957	Web

10/29/2022	Yes	Checking or savings account Savings account	Closing an account Can't close your account	CA 92109	Web

10/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PR 00678	Web

10/06/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	NY 11757	Web	Servicemember

10/04/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR 00612	Phone	Older American

10/04/2022	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	PR 00918	Referral

09/28/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00795	Web	Older American

09/26/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CT 06498	Phone

09/16/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00662	Web	Servicemember

09/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	PR 00936	Web

08/31/2022	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	NV 89107	Phone

08/29/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00769	Referral

08/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PR 00953	Web

08/25/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00674	Postal mail	Older American

08/19/2022	Yes	Checking or savings account Savings account	Problem with a lender or other company charging your account Transaction was not authorized	PR 00908	Web

08/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38018	Web

08/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	PR 00602	Phone

08/16/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NY 10314	Web

08/05/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00987	Phone

08/04/2022	Yes	Checking or savings account Savings account	Managing an account Problem accessing account	PR 00667	Phone

07/27/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 86401	Web

07/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NJ 07304	Web

07/12/2022	Yes	Mortgage Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PR XXXXX	Web	Older American

07/12/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 28779	Phone

07/08/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00690	Referral

06/30/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NY 10458	Phone	Servicemember

06/29/2022	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	PR 00924	Web

06/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR XXXXX	Web	Older American, Servicemember

06/17/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00917	Phone

06/16/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NY 11207	Postal mail

06/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	PR 00987	Web

06/10/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00983	Postal mail

06/09/2022	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	PR 00987	Web

06/06/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00693	Phone

05/29/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other service problem	TX 75033	Referral

05/26/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR 00959	Web

05/26/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00936	Web

05/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	WA 98033	Web

05/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	PR 00736	Web

05/17/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	VA 20147	Web	Older American

05/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 99224	Phone

05/09/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	PR 00968	Phone

05/09/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00987	Referral

05/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 33868	Referral

04/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	PR 00969	Phone

04/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	PR 00754	Web

04/19/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR 00953	Web

04/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	GA 30809	Referral

04/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NJ 07304	Web

04/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MN 55116	Web

04/07/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00952	Referral

04/06/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00693	Phone

04/04/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NC 28270	Web

03/24/2022	Yes	Checking or savings account Checking account	Closing an account Company closed your account	NY 11002	Phone	Older American, Servicemember

03/23/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00936	Referral

03/11/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	PR 00611	Referral

03/02/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VI 00851	Web

02/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 32836	Referral

02/24/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	PR 00693	Phone	Older American

02/12/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	TX 77449	Web

02/11/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 00926	Phone

02/11/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00983	Postal mail

01/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00690	Referral

01/20/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 006XX	Web	Older American

01/04/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	PR 00723	Phone

12/28/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	PR 00927	Phone

12/20/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NY 10027	Phone	Older American

11/01/2021	Yes	Checking or savings account Checking account	Managing an account Banking errors	PR 00949	Referral

10/31/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NJ 07452	Web

10/28/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report	PR 00692	Phone

10/26/2021	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	PR 00677	Postal mail

10/15/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	VA 22206	Web

10/15/2021	Yes	Checking or savings account Savings account	Closing an account Funds not received from closed account	MO 65605	Referral

10/08/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00728	Phone

10/07/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	NY 10069	Web

10/05/2021	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	PR 00901	Referral

10/05/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	PR 00784	Referral

10/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PR 00949	Web

10/03/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MD 20850	Web

10/03/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NY 10457	Web

09/30/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	PR 00927	Phone

09/30/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NY 10019	Referral

09/27/2021	Yes	Checking or savings account Checking account	Closing an account Company closed your account	PA 19063	Referral

09/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00727	Web

09/16/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	PR 00918	Referral

09/11/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	PR 009XX	Web

09/10/2021	Yes	Checking or savings account Checking account	Closing an account Can't close your account	IL 61801	Referral

09/08/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	IL 61547	Web

09/03/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	KS 66208	Web

09/03/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NJ 07043	Web

09/02/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	GA 30062	Web

08/25/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 00623	Web	Older American, Servicemember

08/23/2021	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	PR 007XX	Web

08/16/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	NY 11213	Web

08/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32822	Web

08/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32822	Web

08/10/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	PR 00915	Postal mail

08/04/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00917	Web

08/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30260	Web

07/30/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NY 11355	Web

07/29/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 32217	Phone

07/22/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00612	Phone	Older American

07/20/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan		Phone

07/20/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00646	Web

07/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92870	Web

07/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91205	Web

06/23/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	PR 00926	Web

06/17/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00907	Referral

06/11/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92646	Referral

06/10/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 00961	Phone	Older American

06/09/2021	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	PR 00907	Referral

06/03/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	DC 20005	Web

05/30/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	PR 00924	Web

05/26/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR 00716	Web

05/20/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	PR 00690	Postal mail

05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00637	Web	Older American, Servicemember

05/18/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	WA 98339	Referral

05/14/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	PR 00646	Web

05/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00631	Phone

04/29/2021	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	PR 00928	Phone

04/27/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	PR 00664	Web

04/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10312	Web

04/23/2021	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals		Referral

04/22/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PR 007XX	Web

04/16/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00719	Postal mail

04/16/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 00970	Web

04/15/2021	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	GA 31558	Web	Older American

04/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MA 02128	Web

04/13/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MD 21122	Referral

04/09/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 33983	Web	Older American

04/07/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00729	Phone

04/07/2021	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	PR 00925	Referral

04/03/2021	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 00987	Web	Servicemember

04/02/2021	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	PR 00727	Referral

03/26/2021	Yes	Checking or savings account Checking account	Managing an account Banking errors	PR 00769	Referral

03/23/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00956	Referral

03/21/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PR 00961	Web	Older American

03/09/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 90077	Referral

03/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33054	Web

02/23/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	HI 96786	Referral	Servicemember

02/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33853	Web

02/20/2021	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	XXXXX	Web

02/19/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR 00957	Web

02/18/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 00902	Web

02/16/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00969	Phone

02/16/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MD 21215	Referral

02/13/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NY 11225	Web

01/30/2021	Yes	Checking or savings account Checking account	Closing an account Company closed your account	PR 00780	Web

01/25/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OH 45850	Web

01/16/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00949	Web

01/12/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00949	Fax

12/29/2020	Yes	Checking or savings account Checking account	Managing an account Fee problem	PR 00622	Referral	Older American

12/29/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33351	Referral

12/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 91402	Web

11/24/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect		Phone

11/09/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NY 14132	Referral

11/05/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00983	Postal mail

11/03/2020	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	PR 00603	Referral

10/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10458	Web

10/29/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	PR 00690	Phone

10/26/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00627	Referral

10/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 32826	Web

10/15/2020	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	PR 00960	Referral	Servicemember

10/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19611	Web

10/07/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00652	Referral

10/05/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NY 12561	Web

10/02/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	KS 67114	Web

09/24/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	PR 00674	Phone

09/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 90019	Web

09/21/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00926	Web

09/18/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	PR 00910	Referral

09/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00985	Web

09/02/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	CA 91306	Referral

08/28/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00940	Referral

08/13/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Referral

08/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10977	Web

07/31/2020	Yes	Mortgage FHA mortgage	Trouble during payment process	PR 00953	Phone

07/29/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NM 88030	Phone

07/29/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NJ 07631	Referral

07/23/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	PR 00956	Phone	Older American

07/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00782	Web

07/13/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card		Referral

07/10/2020	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	PR 00617	Web	Older American

07/10/2020	Yes	Checking or savings account Savings account	Closing an account Funds not received from closed account	NM 87144	Web

07/08/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00949	Referral

07/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90046	Web

07/03/2020	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	NY 12047	Referral

06/24/2020	Yes	Checking or savings account Checking account	Managing an account Banking errors	NY 13357	Referral

06/24/2020	Yes	Checking or savings account Savings account	Closing an account Can't close your account	NM 87144	Referral

06/17/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	VI 00841	Phone

06/17/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	VI 00804	Referral

06/12/2020	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	GA 30214	Referral	Older American, Servicemember

06/08/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00659	Referral

06/05/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 91402	Referral

06/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect		Phone

05/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PR 00926	Web

05/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 90046	Web

04/22/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PA 19111	Web

04/20/2020	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	PR 00969	Web

04/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 90046	Web

04/16/2020	Yes	Checking or savings account Checking account	Managing an account Banking errors	RI 02879	Referral

04/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90046	Web

04/10/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud		Referral

04/08/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00795	Referral

04/03/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	PR XXXXX	Web

04/02/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone	Older American

03/19/2020	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	PR 00667	Phone	Older American

03/17/2020	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	PR 00728	Referral	Older American

03/16/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	TX XXXXX	Web	Servicemember

03/11/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	PR 00917	Web

02/21/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	TX 76002	Web

02/19/2020	Yes	Mortgage FHA mortgage	Incorrect information on your report Account status incorrect	TX 77381	Web

02/14/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00646	Web	Older American

02/11/2020	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 32820	Referral

02/10/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00646	Web

02/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30309	Web	Servicemember

02/10/2020	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	FL 33544	Referral

02/10/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	FL 33647	Referral

02/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10538	Web	Older American

02/07/2020	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	WI 53154	Referral

02/05/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR XXXXX	Web	Servicemember

01/30/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PR 00674	Web

01/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 20167	Referral

01/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect		Phone

01/23/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 21703	Postal mail

01/16/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	KY 41018	Phone

01/16/2020	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	FL 34134	Postal mail	Older American

01/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	PR 00674	Web

12/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00922	Web

12/21/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00956	Web

12/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00729	Web	Servicemember

12/14/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NJ 07030	Web

12/12/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00911	Referral

12/10/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	VI 00841	Referral

12/04/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA 30157	Referral

11/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00987	Web

11/05/2019	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Banking errors	PR 00783	Referral

11/04/2019	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	IA 52557	Referral	Older American

10/29/2019	Yes	Checking or savings account Checking account	Managing an account Fee problem	CA 94121	Referral

10/23/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PR 00918	Web

10/22/2019	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CA 95687	Referral

10/17/2019	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	PR 00783	Referral

10/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PR 00926	Web

10/08/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 10029	Referral

10/06/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00674	Web

10/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33351	Referral

09/26/2019	Yes	Checking or savings account Savings account	Closing an account Funds not received from closed account	CA 93109	Referral

09/25/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	MD 20747	Phone

09/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33624	Web	Servicemember

09/23/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	PR 00987	Referral

09/21/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	PR 00674	Postal mail

09/20/2019	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Can't close your account		Referral

09/13/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	PR 00603	Referral

09/12/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08901	Referral

09/09/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00667	Web	Older American

09/04/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	PR 00729	Phone	Older American

08/30/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	FL 33604	Referral

08/28/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	VA 24543	Referral

08/22/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PR 00767	Postal mail

08/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 22206	Web

08/21/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR 00925	Web

08/18/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	PR 00777	Web

08/16/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 33351	Referral

08/14/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	FL 33573	Web	Older American, Servicemember

08/14/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 10454	Referral

08/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	PR 00902	Web

08/08/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 17601	Referral

07/28/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	MD 20854	Web

07/12/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00976	Web

07/12/2019	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	PR 00783	Referral

07/10/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	PR 00936	Phone

07/08/2019	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	PR 00987	Phone

07/08/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	IL 60510	Web

07/03/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors	PR 00907	Phone

07/01/2019	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect		Phone

06/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PR 00982	Postal mail

06/26/2019	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	PR 00926	Referral

06/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34669	Web	Servicemember

06/17/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	PR 00623	Web	Older American

06/13/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	PR 00683	Web

06/12/2019	Yes	Debt collection Auto debt	False statements or representation Indicated you were committing crime by not paying debt	FL 34741	Web

06/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32862	Postal mail

06/06/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors	PR 00953	Referral

06/03/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PR XXXXX	Web

05/22/2019	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	PR 00969	Web

05/22/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	XXXXX	Web

05/20/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00603	Phone	Older American

05/20/2019	Yes	Checking or savings account Checking account	Managing an account Cashing a check	PR 00922	Referral

05/18/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	IL 60639	Phone

05/11/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00624	Web

05/11/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	PR 00656	Web	Older American

05/11/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PR 00731	Web

05/08/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors	VI 00802	Referral

05/06/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PR 00912	Web

05/06/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00725	Referral	Older American

04/26/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00901	Postal mail

04/25/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00795	Postal mail	Older American

04/24/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage		Phone

04/19/2019	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	PR 00624	Referral

04/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00738	Web	Servicemember

04/16/2019	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	TN 37042	Referral

04/12/2019	Yes	Mortgage Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PR 00907	Web

04/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AA 34004	Web

04/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00736	Web

04/04/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	VA 23505	Phone	Older American

04/03/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone

03/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize		Phone

03/27/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00718	Referral

03/25/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Referral

03/19/2019	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR 00953	Phone

02/26/2019	Yes	Checking or savings account Savings account	Managing an account Problem using a debit or ATM card	PR 00772	Phone	Older American

02/26/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00920	Referral

02/11/2019	Yes	Mortgage Other type of mortgage	Closing on a mortgage	PR 009XX	Web	Older American

02/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30263	Web

02/08/2019	Yes	Mortgage VA mortgage	Trouble during payment process	PR 00979	Web	Servicemember

02/07/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage		Referral

01/30/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	PR 00959	Referral

01/29/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	NJ 07036	Web

01/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NJ 07047	Web

01/17/2019	No	Mortgage Other type of mortgage	Trouble during payment process	PR 00729	Referral

01/16/2019	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	FL 34746	Referral

01/09/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors	PR 00616	Postal mail

01/04/2019	Yes	Checking or savings account Checking account	Opening an account Confusing or missing disclosures	PR 00968	Web

12/31/2018	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	PR 00783	Referral

12/29/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR XXXXX	Web

12/27/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	PR 00959	Web

12/24/2018	Yes	Checking or savings account Checking account	Managing an account Fee problem	PR 00612	Referral

12/21/2018	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	PR 00968	Web

12/18/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00729	Web

12/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90027	Web

12/11/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00927	Referral

11/29/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect		Referral

11/26/2018	Yes	Checking or savings account Checking account	Closing an account Can't close your account	FL 32257	Phone

11/23/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	IL 60510	Web

11/20/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 00646	Web	Servicemember

11/14/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process		Referral

11/13/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00961	Referral

10/26/2018	Yes	Checking or savings account Checking account	Managing an account Fee problem	FL 33760	Web

10/23/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Postal mail

10/22/2018	Yes	Checking or savings account Savings account	Closing an account Can't close your account	NJ 08901	Referral

10/19/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	PR 00953	Postal mail

10/19/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	PR 00969	Postal mail

10/18/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Phone

10/18/2018	Yes	Checking or savings account Checking account	Managing an account Banking errors		Referral

10/17/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PR 00612	Web

10/02/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	PR 00745	Phone

09/28/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PR 00924	Web

09/27/2018	Yes	Mortgage FHA mortgage	Trouble during payment process		Phone

09/22/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	AZ 86323	Web

09/21/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	PR 00959	Postal mail

09/14/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00717	Referral

09/14/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 17601	Referral

09/12/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	OR 97223	Web

09/07/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	VI 00802	Referral

08/31/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	PR 00953	Web

08/28/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	PR 00773	Postal mail

08/21/2018	Yes	Mortgage FHA mortgage	Incorrect information on your report Information is missing that should be on the report		Phone

08/20/2018	Yes	Mortgage VA mortgage	Trouble during payment process	PR 00956	Phone

08/16/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	VA 20110	Web

08/15/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	PR 00957	Web

08/14/2018	Yes	Checking or savings account Checking account	Closing an account Can't close your account	CA 90211	Referral

08/13/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage		Referral

08/02/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	XXXXX	Web

08/01/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	PR 00785	Referral

08/01/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	PR 00681	Postal mail

08/01/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00913	Web

07/31/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	PR 009XX	Web

07/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98029	Web

07/23/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MT 59102	Phone

07/22/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	IL 60510	Web

07/18/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect		Postal mail

07/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00769	Phone

07/05/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone

07/04/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	IL 60510	Web

07/03/2018	Yes	Mortgage VA mortgage	Trouble during payment process	PR 00926	Web	Older American, Servicemember

07/03/2018	Yes	Mortgage VA mortgage	Trouble during payment process	PR 00987	Referral

07/02/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	AL 35801	Web

06/26/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00677	Referral

06/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	PR 00926	Web

06/21/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00976	Postal mail

06/11/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	PR 00961	Web

06/09/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 009XX	Web

06/08/2018	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	PR 00745	Postal mail

06/07/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00987	Web	Older American, Servicemember

06/07/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan		Phone

06/06/2018	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	PR 00920	Referral

06/06/2018	Yes	Checking or savings account Checking account	Managing an account Fee problem		Phone

06/05/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 00725	Web

05/31/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Phone

05/29/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	HI 96744	Phone

05/27/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	IL 60510	Web

05/23/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MI 48203	Referral

05/22/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PR 00646	Web

05/15/2018	Yes	Mortgage FHA mortgage	Trouble during payment process	PR XXXXX	Web	Older American

05/10/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00983	Postal mail

05/08/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NY 11219	Referral

05/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	PR 00738	Web	Older American, Servicemember

05/04/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Phone

05/04/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	PR 00791	Postal mail

04/30/2018	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	PR 00918	Referral

04/19/2018	Yes	Mortgage VA mortgage	Closing on a mortgage	IL 60050	Web	Servicemember

04/19/2018	Yes	Checking or savings account Savings account	Managing an account Problem using a debit or ATM card	PR 00623	Web	Older American

04/16/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00739	Web	Older American

04/11/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Phone

04/11/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	PR 00987	Postal mail

04/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00784	Fax

03/23/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00682	Referral

03/21/2018	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	PR 00987	Referral

03/21/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours		Phone

03/19/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00976	Web

03/16/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone

03/15/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00727	Phone

03/15/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Fax

03/13/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00682	Web	Older American

03/13/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage		Phone

03/13/2018	Yes	Mortgage FHA mortgage	Trouble during payment process		Phone

03/12/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00921	Phone

03/12/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage		Phone

03/01/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	PR 00730	Referral

03/01/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32163	Referral	Servicemember

02/25/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	PR 00969	Web

02/23/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 009XX	Web

02/22/2018	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed		Referral

02/22/2018	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	PR 00725	Referral

02/22/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00730	Referral

02/11/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	PR 00778	Web

02/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PR 00902	Web

02/07/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals		Phone

01/29/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR 00667	Web

01/29/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00720	Web	Older American, Servicemember

01/26/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	PR 00725	Phone

01/19/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	PR 00680	Referral

01/18/2018	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	NY 11561	Referral

01/16/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00725	Web	Older American

01/11/2018	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	MA 02053	Web

01/10/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	PR 00987	Referral

01/10/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL 35741	Referral

01/08/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PR 00613	Referral

12/26/2017	Yes	Checking or savings account Savings account	Closing an account Company closed your account	PR 00775	Phone

12/12/2017	Yes	Checking or savings account Checking account	Managing an account Banking errors	PR 00685	Referral

12/06/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00698	Web

12/05/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PR 00913	Referral

12/04/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process		Phone	Servicemember

12/01/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases		Referral

11/20/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	MD 20794	Web

11/09/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR 00602	Web	Servicemember

10/17/2017	Yes	Checking or savings account Savings account	Opening an account Unable to open an account	NY 10462	Phone

10/02/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NC 27616	Web

10/02/2017	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	WI 54449	Referral

09/30/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NY 10462	Web

09/28/2017	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	GA 30228	Referral

09/25/2017	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	PR 00957	Web

09/22/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	FL 34212	Web	Older American

09/20/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	PR 00623	Referral

09/14/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	PR 00730	Web

09/11/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PR 00736	Web

09/06/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 33060	Postal mail

08/29/2017	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 34714	Web

08/29/2017	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	PR 00730	Web

08/24/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	PR 00953	Phone

08/18/2017	Yes	Checking or savings account Checking account	Managing an account Fee problem	PR 00984	Referral

08/17/2017	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	OR 97030	Referral

08/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	PR 00751	Phone

07/24/2017	Yes	Checking or savings account Checking account	Closing an account Company closed your account	PR 00775	Referral

07/21/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	WA 98102	Web

07/21/2017	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00918	Referral

07/05/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms		Phone	Servicemember

06/27/2017	Yes	Checking or savings account Checking account	Managing an account Fee problem	XXXXX	Web

06/23/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	PR 00782	Referral

06/12/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00969	Web

06/09/2017	Yes	Checking or savings account Checking account	Managing an account Fee problem	PR 00677	Referral

06/05/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	PR 00736	Referral

05/21/2017	Yes	Mortgage Other type of mortgage	Closing on a mortgage	FL 32163	Web	Servicemember

05/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PR 00754	Web

05/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PR 00667	Web	Servicemember

05/12/2017	Yes	Mortgage FHA mortgage	Trouble during payment process	PR 00949	Phone

04/26/2017	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account information incorrect	PR 00729	Web

04/26/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11717	Referral

04/25/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PR 00969	Web

04/11/2017	Yes	Credit card	Credit determination	NY 10022	Web

04/05/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00926	Web

03/27/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account		Referral

03/22/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00907	Web

03/17/2017	Yes	Credit reporting	Incorrect information on credit report Personal information	PR 00738	Web

03/16/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00907	Referral	Older American

03/14/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	PR 00963	Web	Older American

03/14/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PR 00769	Web

03/09/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PR 00718	Phone

03/01/2017	Yes	Bank account or service Savings account	Account opening, closing, or management	FL 34238	Referral

02/24/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PR 00785	Web

02/19/2017	Yes	Bank account or service Checking account	Making/receiving payments, sending money	PR 00674	Web

02/15/2017	Yes	Credit card	Unsolicited issuance of credit card	OR 97412	Web	Older American

02/15/2017	Yes	Credit card	Credit determination	PR 00926	Postal mail

02/15/2017	Yes	Payday loan	Charged fees or interest I didn't expect	PR 00959	Postal mail

02/15/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 009XX	Web	Older American

02/13/2017	Yes	Credit card	Cash advance	DC 20005	Web

02/07/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 92154	Postal mail

01/31/2017	Yes	Bank account or service Checking account	Account opening, closing, or management	VI 00840	Referral

01/30/2017	Yes	Bank account or service Checking account	Problems caused by my funds being low	OR 97262	Web

01/30/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00603	Referral

01/24/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00976	Referral

01/23/2017	Yes	Bank account or service Checking account	Deposits and withdrawals	VI 00801	Referral

01/20/2017	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	PR 00719	Postal mail

01/12/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00969	Web	Older American

12/27/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 33570	Postal mail	Servicemember

12/21/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	IL 60056	Referral

12/14/2016	Yes	Credit card	Application processing delay	FL 33462	Web

12/06/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure		Referral

12/05/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00976	Referral

12/05/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	RI 02940	Referral

11/28/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	FL 33614	Referral

11/22/2016	Yes	Bank account or service Checking account	Making/receiving payments, sending money	PR 00735	Phone

11/18/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00936	Fax

11/17/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	PR 00677	Web

11/14/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00683	Referral	Servicemember

11/14/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	FL 33145	Referral

11/14/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	FL 33614	Web

11/13/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 34759	Web

11/10/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00692	Phone

11/06/2016	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	PR 00683	Web	Servicemember

11/04/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	PR 00909	Referral

11/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00659	Phone

10/31/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	NY 10469	Referral

10/28/2016	Yes	Bank account or service Checking account	Account opening, closing, or management		Referral

10/26/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	VI 00802	Referral

10/20/2016	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	PR 00677	Web

10/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MI 48045	Web

10/18/2016	Yes	Bank account or service Savings account	Account opening, closing, or management	WI 53705	Referral

10/15/2016	Yes	Bank account or service Checking account	Using a debit or ATM card	PR 00911	Web

10/13/2016	Yes	Credit card	Payoff process	CA 91761	Referral

10/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PR 00751	Phone	Older American

10/05/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00719	Postal mail

09/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00926	Web

09/17/2016	Yes	Credit card	Other	VI 00801	Web

09/12/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00735	Phone	Servicemember

08/31/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	PR 00737	Web

08/31/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00622	Referral

08/30/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MO 65536	Referral

08/23/2016	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	MA 02478	Referral

08/22/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account		Postal mail

08/22/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00961	Referral

08/17/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00956	Phone	Older American

08/16/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management		Referral

08/15/2016	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	KY 41101	Web

08/11/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00680	Referral

08/09/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management		Referral

08/04/2016	Yes	Bank account or service (CD) Certificate of deposit	Deposits and withdrawals	FL 32121	Postal mail	Older American, Servicemember

08/03/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NJ 07054	Referral

07/29/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00719	Referral

07/25/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	PR 00963	Referral

07/25/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00682	Fax

07/25/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NC 28025	Referral

07/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00976	Web

07/11/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PR 00778	Postal mail

07/07/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00959	Referral

06/29/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NC 27959	Referral

06/29/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	CA 94556	Referral

06/23/2016	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	PR 00922	Web

06/23/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account		Fax

06/23/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00976	Web

06/17/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00729	Referral

06/07/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PR 00757	Phone	Older American, Servicemember

06/03/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NJ 08901	Referral

06/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	TX 75370	Web

05/26/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00976	Referral

05/26/2016	Yes	Mortgage Other mortgage	Other	PR 00914	Referral

05/25/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	PR 006XX	Web

05/25/2016	Yes	Credit card	Other	PR 00769	Web

05/25/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	PR 00791	Referral

05/18/2016	Yes	Mortgage Other mortgage	Other	PR 00914	Postal mail

05/15/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NY 11209	Web

05/10/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PR 00917	Web

05/04/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 27215	Web	Older American

04/21/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account		Postal mail

04/08/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	PR 00751	Postal mail	Older American

04/05/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	VI 00801	Phone	Servicemember

04/01/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	PR 00926	Web

03/25/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00662	Referral

03/25/2016	Yes	Credit card	Late fee	PR 00605	Web

03/24/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	PR 00791	Referral

03/15/2016	Yes	Consumer Loan Personal line of credit	Shopping for a line of credit	VI 00802	Referral

03/01/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00641	Referral

03/01/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00914	Postal mail

03/01/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00680	Referral

02/22/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	DE 19720	Web

02/22/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PR 00683	Phone

02/22/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00680	Referral

02/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PR 00961	Phone

02/12/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	AR 72032	Referral

02/11/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PR 00784	Phone	Servicemember

02/09/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PR 77030	Web

02/06/2016	Yes	Mortgage FHA mortgage	Settlement process and costs	PR 00791	Web

02/03/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00908	Referral

02/02/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MD 20748	Referral

01/29/2016	Yes	Credit card	Billing disputes	TX 78691	Web

01/28/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	PR 00745	Web

01/24/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	PR 00745	Web

01/23/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00929	Web

01/22/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PR 00923	Web

01/15/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00692	Referral

12/30/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00913	Web

12/24/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 32907	Postal mail

12/20/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	VI 00851	Web

12/17/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	KY 41101	Web

12/15/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00984	Referral

12/14/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management		Referral

12/07/2015	Yes	Credit card	Customer service / Customer relations	PR 00957	Referral

12/03/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00745	Fax	Servicemember

12/03/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	PR 00985	Web	Older American

11/28/2015	No	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 34759	Web

11/24/2015	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	PR 00927	Web

11/20/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NC 27215	Web	Older American

11/18/2015	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	IL 60079	Postal mail

11/17/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00926	Referral

11/17/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00680	Referral

11/13/2015	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	PR 00685	Referral

11/12/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00956	Referral

11/03/2015	Yes	Money transfers International money transfer	Other transaction issues	FL 33024	Web

10/30/2015	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	PR 00738	Phone	Older American

10/28/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00637	Web

10/27/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00692	Referral

10/21/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00703	Referral

10/16/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	DE 19977	Referral	Servicemember

10/08/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00969	Referral

09/30/2015	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	FL 32011	Phone	Older American

09/30/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 33032	Web

09/25/2015	Yes	Payday loan	Charged fees or interest I didn't expect	FL 32819	Web

09/25/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	FL 32822	Referral

09/24/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	OR 97140	Referral

09/23/2015	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	PR 00987	Phone

09/16/2015	Yes	Credit card	Identity theft / Fraud / Embezzlement	PR 00956	Postal mail

09/13/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PR 00950	Web

09/10/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	FL 34746	Web

09/10/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PR 00927	Referral

09/09/2015	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	FL 34429	Referral

08/27/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00918	Web

08/26/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00911	Web

08/24/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PR 00969	Phone

08/12/2015	Yes	Bank account or service Checking account	Making/receiving payments, sending money	PR 00985	Referral

08/12/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 77477	Referral

08/10/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00731	Phone	Older American

08/08/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CT 06801	Web

07/27/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00754	Referral

07/26/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 009XX	Web

07/25/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	PR 00715	Web

07/15/2015	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	PR 00910	Web

07/14/2015	Yes	Bank account or service Checking account	Using a debit or ATM card	TX 79928	Phone	Servicemember

07/13/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00961	Referral

07/07/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PR 009XX	Web

07/05/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PR 00725	Web

07/03/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00959	Web

07/01/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00617	Referral

06/25/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00917	Web

06/08/2015	Yes	Bank account or service (CD) Certificate of deposit	Deposits and withdrawals	PR 00694	Web	Older American

06/04/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	PR 00926	Web

05/28/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00985	Referral

05/15/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PA 15212	Referral

05/15/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00777	Postal mail

05/13/2015	Yes	Consumer Loan Pawn loan	Lender sold the property	PR 009XX	Web

05/07/2015	Yes	Bank account or service Checking account	Making/receiving payments, sending money	PR 00926	Referral

05/07/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NY 11965	Referral

05/06/2015	Yes	Bank account or service Savings account	Account opening, closing, or management	PR 00915	Referral

04/24/2015	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	FL 34684	Referral

04/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 34743	Web

04/17/2015	Yes	Bank account or service Checking account	Using a debit or ATM card	PR 00715	Referral

04/16/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	PR 00940	Referral

04/15/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	PR 007XX	Web

04/14/2015	Yes	Bank account or service Other bank product/service	Deposits and withdrawals		Referral

04/14/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00968	Web

04/01/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	FL 33319	Referral

03/26/2015	Yes	Bank account or service Savings account	Account opening, closing, or management	NY 11746	Referral

03/16/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00061	Phone

03/16/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92592	Referral

03/13/2015	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	PR 00780	Web

03/12/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	PR 00910	Web

03/10/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management		Phone

03/09/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00949	Referral

03/05/2015	Yes	Bank account or service Checking account	Using a debit or ATM card	PR 00688	Referral

03/04/2015	Yes	Bank account or service Checking account	Using a debit or ATM card	PR 00612	Postal mail

03/03/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PR 00970	Web

03/02/2015	Yes	Mortgage Home equity loan or line of credit	Application, originator, mortgage broker	VI 00822	Postal mail

03/02/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NY 11435	Referral

02/27/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00641	Referral

02/25/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00771	Web

02/23/2015	Yes	Mortgage VA mortgage	Credit decision / Underwriting	NM 87124	Web

02/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PR 33166	Web

02/05/2015	Yes	Consumer Loan Personal line of credit	Account terms and changes	PR 00926	Referral

02/04/2015	Yes	Bank account or service Savings account	Account opening, closing, or management	TX 77477	Referral

01/26/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00927	Postal mail

01/21/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	SC 29485	Referral

01/19/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77385	Web

01/15/2015	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	PR 00771	Phone

01/13/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PR 00771	Web

01/08/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00718	Postal mail	Older American

12/30/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PR 00924	Web

12/29/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00921	Referral

12/18/2014	Yes	Bank account or service Savings account	Making/receiving payments, sending money	NY 11798	Referral

12/17/2014	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	FL 32825	Referral

12/16/2014	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	PR 00970	Web

12/05/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PR 00687	Web

11/27/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	VI 00851	Referral

11/18/2014	Yes	Bank account or service Savings account	Using a debit or ATM card	VI 00802	Web

11/17/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	CA 92506	Referral

11/13/2014	Yes	Consumer Loan Pawn loan	Can't contact lender	PR 00674	Web

11/04/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00949	Web	Servicemember

10/31/2014	Yes	Bank account or service Checking account	Making/receiving payments, sending money	PR 00669	Phone	Older American

10/31/2014	Yes	Bank account or service Checking account	Using a debit or ATM card	PR 00901	Phone

10/30/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00988	Phone

10/21/2014	Yes	Credit card	Payoff process	PR 00977	Referral

10/17/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	VA 23219	Referral

10/16/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	VI 00851	Referral

10/06/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 03031	Referral

09/24/2014	Yes	Mortgage FHA mortgage	Credit decision / Underwriting	GA 31410	Web	Older American

09/23/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CT 06107	Referral

09/17/2014	Yes	Consumer Loan Pawn loan	Lender sold the property	PR 00907	Web	Older American

09/16/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 19403	Web

09/05/2014	Yes	Bank account or service Checking account	Using a debit or ATM card	VI 00802	Web

09/02/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00971	Fax

08/29/2014	Yes	Bank account or service Savings account	Account opening, closing, or management	PR 00739	Postal mail

08/29/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00921	Web

08/29/2014	Yes	Credit card	Credit card protection / Debt protection	PR 00910	Web

08/25/2014	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	PR 00705	Postal mail	Older American, Servicemember

08/20/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	NY 11206	Postal mail	Older American

08/19/2014	Yes	Credit card	Other	FL 33813	Web

08/14/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00687	Referral

08/14/2014	Yes	Mortgage VA mortgage	Loan modification,collection,foreclosure	PR 00911	Web

08/12/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	VI 00801	Referral

07/24/2014	Yes	Credit card	Identity theft / Fraud / Embezzlement	PR 00610	Web

07/23/2014	Yes	Bank account or service Savings account	Account opening, closing, or management	TX 78414	Referral

07/14/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00983	Postal mail

07/09/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PR 00953	Web

07/03/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00741	Phone

07/03/2014	Yes	Credit card	APR or interest rate	PR 00741	Phone

06/25/2014	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	PR 00956	Web

06/24/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	PR 00953	Web

06/20/2014	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	PR 00745	Web

06/19/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00914	Postal mail

06/13/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00736	Referral

06/11/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 11021	Referral

06/09/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00716	Referral

06/03/2014	Yes	Credit card	Identity theft / Fraud / Embezzlement	PR 00979	Web

06/03/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	FL 33326	Referral

05/29/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00961	Fax

05/16/2014	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PR 00794	Web

05/07/2014	Yes	Bank account or service Checking account	Making/receiving payments, sending money	PR 00984	Phone

05/06/2014	Yes	Credit card	Identity theft / Fraud / Embezzlement	PR 00736	Web

04/30/2014	Yes	Credit card	Credit line increase/decrease	PR 00902	Phone

04/29/2014	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	PR 00953	Referral

04/22/2014	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	PR 00956	Web

04/18/2014	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	PR 00662	Web

04/18/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PR 00662	Web

04/17/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33327	Web

04/11/2014	Yes	Bank account or service Savings account	Using a debit or ATM card	PR 00641	Web

04/10/2014	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	PR 00646	Postal mail

04/04/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00929	Web

04/01/2014	Yes	Bank account or service Checking account	Using a debit or ATM card	PR 00791	Web

03/30/2014	Yes	Bank account or service Savings account	Deposits and withdrawals	PR 00985	Web

03/28/2014	Yes	Mortgage Other mortgage	Settlement process and costs	PR 00901	Web	Older American

03/28/2014	Yes	Mortgage Conventional fixed mortgage	Credit decision / Underwriting	PR 00662	Phone

03/27/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00920	Web

03/20/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00977	Web

03/17/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00969	Phone

03/14/2014	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	VI 00802	Web

03/12/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	PR 00986	Web

03/06/2014	Yes	Credit card	APR or interest rate	PR 00773	Referral

02/28/2014	Yes	Credit card	Identity theft / Fraud / Embezzlement	PR 00952	Postal mail	Older American

02/27/2014	Yes	Bank account or service Savings account	Deposits and withdrawals	VI 00802	Referral

02/17/2014	Yes	Credit card	Billing statement	FL 32829	Web	Older American

02/10/2014	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	PR 00725	Web

02/06/2014	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	PR 00736	Referral

02/02/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PR 00926	Web

01/24/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	FL 33027	Referral

01/15/2014	Yes	Credit card	Other	PR 00685	Postal mail

12/24/2013	Yes	Credit card	Other	PR 00969	Web

12/21/2013	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	NY 13603	Web	Servicemember

11/26/2013	Yes	Bank account or service Checking account	Making/receiving payments, sending money	PR 00605	Web

11/25/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 32174	Referral

11/14/2013	Yes	Credit card	Other	VI 00803	Referral

11/11/2013	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 32746	Web

11/08/2013	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00771	Postal mail

11/06/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	PR 00969	Web

11/01/2013	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	PR 00923	Phone

10/16/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00745	Postal mail

10/01/2013	Yes	Bank account or service Checking account	Using a debit or ATM card	PR 00920	Referral

10/01/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00612	Referral

09/27/2013	Yes	Bank account or service Savings account	Account opening, closing, or management	CA 90247	Referral

09/23/2013	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00705	Postal mail

09/18/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 23666	Phone	Older American, Servicemember

09/17/2013	Yes	Credit reporting	Incorrect information on credit report Account status	PR 00639	Postal mail

08/30/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00736	Phone

08/14/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 03031	Referral

08/12/2013	Yes	Credit card	Rewards	PR 00961	Phone

08/09/2013	Yes	Bank account or service Savings account	Account opening, closing, or management	PR 00739	Phone	Older American

08/05/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PR 00926	Web

07/31/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00662	Referral

07/29/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00920	Phone

07/24/2013	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	PR 00983	Phone

07/23/2013	Yes	Mortgage Second mortgage	Loan servicing, payments, escrow account	NY 11369	Referral

07/11/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00688	Postal mail

07/03/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00623	Referral

06/26/2013	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	PR 00918	Web

06/17/2013	Yes	Bank account or service Checking account	Making/receiving payments, sending money	PR 00766	Web

06/14/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00778	Phone	Older American, Servicemember

05/28/2013	Yes	Bank account or service Savings account	Account opening, closing, or management	PR 00959	Fax

05/13/2013	Yes	Bank account or service Savings account	Deposits and withdrawals	PR 00603	Phone

05/08/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00623	Referral

04/23/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00687	Referral

04/23/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL 33322	Phone	Older American

04/17/2013	Yes	Mortgage Other mortgage	Other	PR 00940	Referral

04/15/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	NY 11232	Referral

04/15/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	VI 00804	Phone

04/11/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00637	Referral

04/09/2013	Yes	Credit card	Sale of account	CO 80424	Web

04/09/2013	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00936	Referral

03/29/2013	Yes	Bank account or service Savings account	Deposits and withdrawals	PR 00784	Referral

03/28/2013	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33170	Web

03/26/2013	Yes	Bank account or service Savings account	Account opening, closing, or management	CA 91344	Referral

03/25/2013	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	PR 00602	Postal mail

03/19/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00622	Referral

02/28/2013	Yes	Bank account or service Checking account	Using a debit or ATM card	PR 00692	Referral

02/22/2013	Yes	Bank account or service Savings account	Account opening, closing, or management	PR 00969	Referral

02/20/2013	Yes	Bank account or service Savings account	Account opening, closing, or management	FL 33414	Referral

02/20/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00682	Referral

02/19/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00949	Referral

02/15/2013	Yes	Mortgage FHA mortgage	Credit decision / Underwriting	PR 00987	Web

02/13/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00725	Referral

02/07/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00623	Web

01/29/2013	Yes	Credit card	Billing statement	VI 00831	Web

01/24/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00612	Referral

01/17/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	PR 00902	Web	Older American

01/16/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	PR 00963	Referral

12/27/2012	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	PR 00692	Web

12/19/2012	Yes	Consumer Loan Installment loan	Taking out the loan or lease	PR 00602	Referral

12/03/2012	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	MA 02115	Web

11/29/2012	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PR 00987	Web

11/28/2012	Yes	Mortgage Other mortgage	Settlement process and costs	PR 00727	Fax

11/27/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00970	Referral

11/27/2012	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	PR 00987	Web

11/21/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00794	Referral

11/13/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 27215	Web

11/06/2012	Yes	Credit card	Billing disputes	PR 00969	Referral

11/05/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	VI 00804	Web

10/26/2012	Yes	Credit card	Billing disputes	PR 00926	Referral

10/25/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00953	Web

10/24/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	PR 00926	Phone

10/10/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00662	Referral

10/04/2012	Yes	Bank account or service Savings account	Deposits and withdrawals	PR 00605	Referral

09/21/2012	Yes	Bank account or service (CD) Certificate of deposit	Making/receiving payments, sending money	MA 01602	Referral

09/13/2012	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	FL 34746	Referral

09/04/2012	Yes	Bank account or service Savings account	Deposits and withdrawals	WV 82609	Postal mail

08/31/2012	Yes	Bank account or service Checking account	Using a debit or ATM card	PR 00725	Referral

08/25/2012	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	PR 00976	Web

08/20/2012	Yes	Bank account or service Checking account	Using a debit or ATM card	PR 00602	Web

08/16/2012	Yes	Consumer Loan Personal line of credit	Managing the line of credit	PR 00662	Referral

08/10/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00918	Referral

08/06/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00985	Referral

08/03/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	RI 02909	Referral

08/03/2012	Yes	Credit card	Delinquent account	PR 00924	Referral

08/02/2012	No	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	VA 22312	Referral

06/29/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	PR 00919	Referral

06/18/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TN 37075	Phone

06/07/2012	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	PR 00603	Web

05/31/2012	Yes	Bank account or service (CD) Certificate of deposit	Deposits and withdrawals	PR 00603	Referral

05/28/2012	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	PR 00926	Web

05/22/2012	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	GA 30188	Referral

05/19/2012	Yes	Credit card	Identity theft / Fraud / Embezzlement	PR 00716	Web

05/11/2012	Yes	Consumer Loan Personal line of credit	Account terms and changes	PR 00783	Referral

05/10/2012	Yes	Credit card	Credit determination	PR 00725	Referral

05/10/2012	Yes	Bank account or service Savings account	Account opening, closing, or management	PR 00791	Referral

05/03/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	PR 00727	Referral

05/03/2012	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	WA 98115	Referral

05/03/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00959	Referral

04/27/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00694	Referral

04/25/2012	Yes	Credit card	Billing statement	PR 00725	Referral

04/24/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 32907	Referral

04/23/2012	Yes	Credit card	Credit determination	PR 00784	Referral

04/18/2012	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	PR 00902	Web

04/09/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00914	Fax

03/29/2012	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	PR 00759	Postal mail

03/27/2012	Yes	Credit card	Billing disputes	PR 00909	Referral

03/22/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00926	Referral

03/20/2012	Yes	Bank account or service Savings account	Account opening, closing, or management	PR 00662	Referral

03/15/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	PR 00988	Referral

03/12/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00736	Referral

02/23/2012	Yes	Credit card	Billing statement	PR 00966	Web

02/16/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00952	Referral

02/15/2012	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	MD 20755	Web	Servicemember

02/14/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	PR 00677	Web

01/13/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	DC 20011	Referral

01/12/2012	Yes	Credit card	Credit card protection / Debt protection	NJ 08822	Web

01/03/2012	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	PR 00736	Web

12/30/2011	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00676	Referral

12/28/2011	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	PR 00693	Referral

12/27/2011	Yes	Credit card	Closing/Cancelling account	PA 17103	Phone

12/22/2011	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	PR 00949	Web

12/20/2011	Yes	Credit card	Credit determination	PR 00951	Referral

12/11/2011	Yes	Mortgage FHA mortgage	Settlement process and costs	PR 00692	Web

12/09/2011	Yes	Credit card	Application processing delay	PR 00623	Referral

12/08/2011	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00693	Referral

12/06/2011	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00681	Referral

12/02/2011	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	PR 00914	Referral

12/02/2011	Yes	Mortgage Other mortgage	Settlement process and costs	PR 00736	Referral