BANK OF NEW YORK MELLON CORPORATION, THE CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/03/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	GA 30038	Web	Servicemember
1.On XX/XX/XXXX, THE PRINCIPAL authorized agent/Trustee for THE LIVING TRUST OF, hereinafter Principal, sent a Package for presentment of XXXX XXXX XXXX bearer bond securities hereinafter securities and included with the securities was a letter of instruction hereinafter 1st Notice/Instruction letter, and I.R.S. form W8-BEN, , a record of which is attached hereto and incorporated herein in its entirety as Instruction letter, to BNY Mellon Corporate Trust Transfers/Redemptions , XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX as per BNY Mellon Bondholder website information page instructs to send the securities to hereinafter Indenture Trustee/Paying Agent, for the redemption of securities for the accounts XXXX, XXXX, and XXXX per XXXX XXXX trust indenture dated XXXX with amendments, hereinafter Account, sent via XXXX XXXX, Insured Tracking # XXXX, by the Principal, as evidenced by the XXXX proof of delivery Attachment A dated XX/XX/XXXX a record of which is attached hereto and incorporated herein in its entirety as Attachment " A ". 2. On XX/XX/XXXX, XXXX XXXX, hereinafter Carrier, delivered the Securities to the Indenture Trustee/Paying Agent per proof of delivery attached 3. XX/XX/XXXX, XXXX XXXX Received by XXXX XXXX per XXXX proof of delivery, Attachment A in which means delivery was made for redemption 4 On XX/XX/XXXX, after Midnight which would be XX/XX/XXXX XXXX XXXX PrincipaI did not receive redemption for principals securities presentment nor did principal receive notice of dishonor or any further instruction during the course of the business day in an email. 5. During the passing of time of XX/XX/XXXX through XX/XX/XXXX which is 24 hours no weekends which equals 1 business day, Principal patiently waited for honor of securities and the transfer of securities per instruction letter attached with accepted securities, with no contact through email nor USPS or Private courier with return of securities or dishonor notice or acceptance notice. 6. On XX/XX/XXXX, Principal proceeded to make a phone call to paying agents XXXX XXXX XXXX XXXX listed on the Bondholder page of paying agents website XXXX And was informed by an agent that the securities were redirected to the XXXX department of BNY Mellon ( " Paying Agent '' ) [ at ], XXXX ( Paying Agent ) which is the financial investigations department at BNY Mellon ( " Paying Agent '' ) upon further research. 7. On XX/XX/XXXX, XXXX XXXX Principal emailed XXXX ( ( " Paying Agent '' ) ) and enquired about the securities and provided a tracking number to identify the package the securities were transported in by the carrier. No reply followed for the entire business day through email nor did I receive any notices by mail or private courier, nor the return of principals securities 8. During the time passing of XX/XX/XXXX through XX/XX/XXXX which is 6 business days no weekends, On XX/XX/XXXX XXXX XXXX principal emailed XXXX ( Paying Agent ) a second time with an enquiry of the status of principals securities, and attached to the email were identifying documents of title, perfected security interest by UCC 1 financing statement, schedules of security agreements, and power of attorneys, court filings case numbers and docket numbers. 9. On XX/XX/XXXX XXXX XXXX, Principal sent another email to XXXX ( ( " Paying Agent '' ) ) with 2 more documents, 1 document of signature authentication, a Treasury Form 5444, and a 3rd Instruction letter with a default notice to principal and agents of corporations as well as a default notice within the body of the 1st page, pertaining to dishonor and denial of instruments which constitutes as a notice of dishonor separate from the instruction letter on the second page. 10. XX/XX/XXXX XXXX XXXX, a response finally came from XXXX ( " Paying Agent '' ) to principal 's email address XXXX, which states : Email Reply from BNY Mellon Paying Agent Thank you for reaching out to BNY Mellon ( " Paying Agent '' ). We understand from the materials you sent that you are seeking to discharge your own personal debt.BNY Mellons role as a trustee or paying agent is in the context of certain investments owned by investors and not individual personal debt. BNY Mellon does not service or have authority to service any related debt. The servicer is the party who is required to service all related debt, which includes, among other things, responding to consumer concerns about such debt and any charges or associated fees.Contact your Servicer.Additionally, we request that you refrain from creating and submitting documentation, including but not limited to 1099-C Cancellation of Debit documentation with BNY Mellons information ., 10. ( ( ( continued ) ) )... Principal will ruthlessly attack with easily obtainable public records written documents which will constitute as prima facie evidence to rebut any and all of the false and misleading statements of ( " Paying Agent '' ) BNY Mellon 's unnamed/Anonymous Agent, this frivolous misleading, misrepresentation of facts, exclusion of material facts, and false statements will constitute as fraud/dishonor upon principals holder in due course rights which by FDIC Act and Federal Reserve Act section 29 is considered an unsafe and unsound act/ practice of a Member Bank and has been continuous and for a Financial Institution governed by the FDIC as a member bank that email will be used as evidence. Regardless if its from an unknown agent who did not list their corporate identifier nor did they leave a name for response, it's a misdirect and false and misleading, no matter it's from BNY Mellon XXXX department so a reply in writing will be generated. 11. XX/XX/XXXX, XXXX. Principal replied stating that the securities that were sent by carrier are called bearer bonds to an unknown agent at XXXX ( " Paying Agent '' ). bearer bond securities and are not material. ; furthermore ( interchange of terms in relation to BNY Mellon Trust Indenture is misleading and is also considered a false statement when these types of terms are clearly defined in Article 3 section 301, sub sections 1-3 of BNY Trust Indenture Dated XXXX with stated amendments, indenture indicates bearer bond securities with coupons are represented by 1 or more global security which is created by a certificate of indebtedness ), and the principal requested the return of the securities or a commercial lien will be filed. In any case, if the use of the term material was to be applied for the securities, please discipline your agents aggressively to refrain from using the singular term material and to cease, stop, halt, exterminate, terminate, with gusto and great prejudice the action of excluding the material term disclosure instead with great care, and using ethical guided professional transparency combine the words, for its use as is, is defined to be applied as an investment term, investment item, furthermore by misleading/misguiding investors with misleading interchangeable banking/investment & maneuvering of the terms. Paying Agent creates deception, for by definition and business and international law, a material disclosure is a investment statement, which represents a debt obligation for money borrowed by a corporation, government, or municipality from a person in which that loan makes that person by law and by commerce a creditor and not a consumer and also makes the instrument a bond and the individual holding the instrument the holder in due course and have rights for discharge per Section 402 of BNY Mellon & XXXX XXXX XXXX trust Indenture Dated XXXX With stated amendments for exhibit to the S.E.C ... .Please refrain from, the future attempts at/of misdirection, toy play, word play, attempt again to mishandle, attempt to misguide, misrepresent anything with the principal. The Paying Agents, agents will lose epically, significantly, unequivocally, habitually, consistently, horribly. principal is educated in Domestic Business law, International Business law and Ethics, Commercial law, Constitutional Law, Business and Finance, Series 7 Broker Training, Universal Securities Operations, Commercial Book Entry, Corporate Banking, Trust Law, and principal mentally digests, Banking, International Business & Banking, Business and Law Dictionaries daily because the principle is hungry for knowledge just as the principal is hungry to own 10 % of a bank 's assets or make it insolvent for fraudulent activitiesCaution Tread very Lightly!! The principal is here for it!!! Principal greatly comprehends and observes with aggression all of their rights and Proper Federal Agencies to contact. They are on speed dial and have a special block in the Principal 's email for all of them, as well as, Jurisdictional Venues that the principal will need to file and proceed with litigation. The Principal is completely aware of all venues and is available and ready to litigate this if securities are not tendered promptly! 12. XX/XX/XXXX XXXX XXXX BNY Response ( Repeat email ) which validates continuous Thank you for reaching out to BNY Mellon. We understand from the materials you sent that you are seeking to discharge your own personal debt. BNY Mellons role as a trustee or paying agent is in the context of certain investments owned by investors and not individual personal debt. BNY Mellon does not service or have authority to service any related debt. The servicer is the party who is required to service all related debt, which includes, among other things, responding to consumer concerns about such debt and any charges or associated fees. Contact your Servicer. Additionally, we request that you refrain from creating and submitting documentation, including but not limited to 1099-C Cancellation of Debit documentation with BNY Mellons information ., 13.Paying Agents failure to sufficiently respond in the correct manner of, Paying the presented securities per holder in due course instruction and, or return with dishonor letter/acceptance letter or further instructions as well as all 135 securities back to the principal as known as holder in due course required by the UCC code, FDIC Act, Federal Reserve Act, The Consumer Protection Act, The Trust Indenture Act, The Securities Act, The Securities and Exchange Act, XXXX XXXX XXXX & BNY Mellon Trust Indenture dated XXXX XXXX XXXX with stated amendments submitted to S.E.C. for exhibit. 14. As of XX/XX/XXXX XXXX principal still has not received email, written notification, nor has payment been tendered, as well as the principal 's securities have not been returned with a letter of dishonor or acceptance which per UCC code is discharged.. 15. Paying Agent has defaulted. 16. As an operation of law, Paying Agent by dishonor of the presentment of securities and letter of instruction and the A notice to Principals is a notice to Agents and a Notice to Agents is a Notice to Principals, the default DISHONOR & DENIAL OF INSTRUMENTS within the body of the Notice, before the 3rd instruction Letter 2nd page, continuous unsafe, unsound acts by a member bank per the FDIC Act, Federal Reserve Act, lack of required efficient communication, False, misleading, misrepresentation of material facts, exclusion of material facts, failure to tender principals securities per UCC code and not abiding by all legislative Acts mentioned in # 9 as well as breach of paying agents viewable/retrievable public record Trust indenture dated XXXX with amendments stated to the S.E.C.. The complete account of communication as evidenced, The lack of observation of the legislative acts and laws that govern the paying agents member bank status while in the business of transferring securities between principal holder in due course and paying agent. These actions as well as inactions of BNY Mellon Trustee ( Paying Agent ) has created default as well as TIER 1 & TIER 2 Violations per the Federal Reserve Act section 29 and if principals securities are being traded/auctioned on on the secondary market, private placement market also known as the stock exchange then that at would constitute as Securities Fraud and that's a federal crime and a higher charge than dishonor of instruments. DEFAULT : For the Respondents failure to honor the Securities transfer request and instruction letters and Default DISHONOR & DENIAL OF INSTRUMENTS places the Respondents in default. For the course of dealing, set forth herein, with the Respondents failure, refusal, or neglect in the presentment of a verified response to the Notice of Default Opportunity to Cure Notice, and Breach of Fiduciary Duty notice constitutes the Respondents failure to perform in good faith and the Respondents acquiescence and tacit agreement with all terms, conditions and stipulations are set forth within this Notice of Default opportunity to Cure, Of this Notice use caution and heed, and govern yourself accordingly. This FINAL EXPRESSION IN A RECORD is intended as a complete and exclusive statement of the terms of the agreement between the parties.
06/04/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
I FILED Several Complaints to the Regulators. Including filing to the Federal Bureau of Investigations ; The Criminal Crimes Division of XXXX XXXX, the Dept of Justice ( answered with bogus non related answer as if computer generated boiler plate ) Filed with the District Attorney of XXXX XXXX ; Filed to ask a Federal Judge to turn into the USDOJ ; informed the Treasury Department Investigator of the Fraud ; Forgery and illegal Real Property theft by XXXX at the XXXX ; or at least the CEO XXXX XXXX being the instigator of the Fraudulent documents created to steal Real Property that had No debt obligations and 'No Link on the Title or County Records '' and after the Debt from XXXX illegal contract expired by operation of law from XX/XX/XXXX: Acceleration of the Note ; which the clock ticked and the Statute of Limitations expired by operation of law. That ( 8 ) years later ; caused more massive harm by XXXX 'S CEO BEING INFORMED BY AN EMAIL TO STOP HARASSMENTS TO ME AND MY FAMILY STOP SENDING MEN TO PEAK INTO MY WINDOWS AND TERRORIZE ME AND STOP BREAKING INTO MY PROPERTY IN XXXX IN WHICH WAS DESTROYED BY XXXX 'S AGENTS ACTING FOR XXXX XXXX TO AID IN TAKING REAL PROPERTY DESPITE " NO LINK IN TITLE '' AND BEING ENTIRELY 10 YEARS TIME BARRED AFTER ACCELERATION. This is horrendously abusive and the Abuse is furthered by when I hired incompetent Attorney 's in XX/XX/XXXX-XX/XX/XXXX of entirely a scheme further to steal my money and fail to perform. IN the meantime, caused me to file my own complaint in XX/XX/XXXXin State Court not realizing these were FEDERAL CRIMES and Federal Issues because the fraud occurred and continued during my XX/XX/XXXXBankruptcy and my XX/XX/XXXX-XX/XX/XXXXCh. XXXX. Despite that the debt obligation ( obtained also by false pretenses and unlawful contract of negative amortizations arriving in the USPS mail in Bulk on four properties flipped and stripped me of my equity ) That being XXXX 's Direct Advisor/Funder/and lender. Causing me this entire Grief and harm and injury continues. That entering the Courts : to stop wrong stealing of real property. And to undo the fraudulent Real Property Theft by which is aided by XXXX EMPLOYEE 'S SELF ASSIGNING MY PROPERTY TO THEM VIA FALSE UNLINKED RECORDS. This crime is aided by the State Courts having no accountability to the Laws at hand. Simply the laws change ; the statutes change and the Courts are influenced by MR. XXXX XXXX ; Running the Lead Position of Fraud on the Court to aid in gaining profits for his pocket by gaining heavy work from high powered defendants ( " The Bankers '' ) who rely that Mr. XXXX is handling the laws related to my real property. When Mr. XXXX is solely exploiting the entire system to aid in which would be aiding and abetting Real Property Theft by inserting False Case law and holdings ; ' and false facts changed merely by Mr. XXXX lying to the Court on a continued pattern to deceive the Courts. Mr. XXXX is hired to answer no matter where I send this Complaints. If I send to the UNITED STATES PRESIDENT ; SOMEHOW THEY contact XXXX XXXX XXXX and XXXX instructs MR. XXXX to answer the Regulators. If I send to the Dept of Oversight ; the same occurs. No matter the direction it's Mr. XXXX making up false answers and relaying these to the Federal Regulators to aid in cover up concealment of these property thefts in California. ( Ca. being a non judicial meaning Property Theft is Rampant and will increase because No oversight to any laws and no authorities found ). Now, A complaint was filed against XXXX CFPB # XXXX. Mr. XXXX XXXX answered untruthful statements to defraud this Agency to believe false statements that has aided him in " other two property theft situations ongoing '' and this 3rd Property was never decided in any Court except for FEDERAL COURT in a discharge XX/XX/XXXXafter acceleration of a XX/XX/XXXX. Acceleration that never decelerated. He also answers falsely and those are relayed in a CFPB # XXXX. Explaining the false answers he used here and in the answer to the Regulators. Further conflicting and contrary is that Clear Recon came into the " Crime Scene '' as the Records found at the County of XXXX XXXX, in XX/XX/XXXX made a false entry of a NOD ; answered to a CFPB # ( Clear Recon Trust ) ; and they stated " Accelerated in XX/XX/XXXX'' despite this was not true and an attempt to revive the expired XX/XX/XXXXAccelerated Note that held no rights to enforce. Despite these facts. No facts matter because if as a consumer in California you are a target for crimes that include Real Property Theft and if you end up in Court to stop the theft you will be met with Mr. XXXX at XXXX XXXX or XXXX XXXX XXXX and or XXXX XXXX willing to aid their clients in Grand Theft by influencing the Courts to " no longer follow any laws '' and clearly this is what is occurring here in my cases. The extreme nature of the XX/XX/XXXX abusive illegal Contract with XXXX has become a TORTUROUS PATH OF LOSSES ; AND extreme loss of our Judicial System having any real laws because somebody, such as Mr. XXXX is bringing in false facts ; false law and simply lies to the regulators the same as lying to the Courts. There appears to be a scheme that continues right here in this Complaint it will be answered with lies. The details of the falsities on XXXX XXXX XXXX XXXX CA XXXX as the Subject here is part of the larger scheme to have stolen every last right of mine because unscrupulous Attorney 's aiding in Real Property Theft. I filed a complaint # XXXX and it was sent to the Federal Trade Commission. That the facts remain and continue to cause havoc as our system has been hijacked by Attorney Firms aiding in Real Property theft at least on my four properties stolen and or attempted to be stolen when NO DEBT OR OBLIGATION OR POWER OF SALE REMAINS PERIOD. Now more than 13 years, since XXXX Acceleration. Even admitted by XXXX that if not XXXX it was accelerated in XXXX again 7 years past after that point. Now in late XXXX a " new jumping in trustee '' or disguised as Trustee when really it's just a real Property Theft by a new entity making false claims to revive a time barred and expired and later in discharged at 8 years ; and now again a continuous scheme to keep false debt alive knowing that the Federal Court ordered this Debt Obligation being discharged. That no rights to a pre-petition expired debt before the bankruptcy was ever filed. That no rights to enforce the security instrument 's named as DEED OF TRUST 'S POWER OF SALE as this was expired by operation of law. And it was expired before the bankruptcy despite the facts, MR. XXXX XXXX and XXXX XXXX of XXXX are aiding in Real Property Theft. Despite facts known and provided to the Courts on two other properties, Mr. XXXX has entered this arena to lie to the Regulators and cause the same confusion as he offers to the Courts to gain favor simply by fraud. Now, clearly the facts on XXXX being informed that a debt expired long before the discharged debt ; and that a deed does not stand alone and or revive itself. XXXX is now having allowed false claims to the Regulators and to the Federal Court, as they brought in false claims during XXXX to the Chapter XXXX. Then XXXX has continued in XXXX to violate the Court orders and make false claims of debt owed ; and in XXXX continued to pretend and hide the facts and revived a debt by this scheme aided always by forcing me to deal with unscrupulous Attorney firms aiding in Real Property Theft. No laws are found except for Criminal Acts being done as if Attorney 's can " Change the laws '' simply by misinforming the Courts of false fact patterns to insert unrelated case law ; and then use outdated law ; and outdated case holdings ; and shade conceal and lie again to the regulators in all manners this is outrageous. XXXX is acting in a scheme to defraud. XXXX is acting in a manner to Self Assign rights to their employee 's by their own employees aiding in a Real Property Theft scheme that is and has taken over my life because of the extreme acts done against me and continues to turn the U.S. into a nation of crooks if this is continued. The harm is outrageous and threats continued in the lawsuits of my other two properties ; a continuous ILLEGAL SCHEME IS SET UP by which these law firms are the sole aiding and abetting in criminal acts. None of the falsities can withstand if an honest attorney was involved. It is unclear if the true nature of these Federal Criminal Acts are even known to the alleged Servicers ' as they keep running a circle back to the unscrupulous Attorney firm to which is controlling the crime scene. Now having found XXXX was at fault and XXXX XXXX XXXX has aided a lie that was founded contrary in the XXXX XXXX in XXXX which XXXX lied and the lie was found out by the Federal Judge. Furthermore, Mr. XXXX XXXX has aided this scheme and after the hearings " changes '' what the meaning is of the Judges Orders. This is a scheme to defraud me " out of my rights depriving me of my property and my rights to even defend my own self from being attacked by men stalking ; breaking in and causing extreme acute stress ; harm XXXX and hospitalizations to my family who already had undergone extreme crimes when my XXXX year old son was XXXX '' and this EXTREME HARM is agitated further by the massive betrayal that is experienced in that Mr. XXXX XXXX is aiding and concealing false evidences ; and fraudulent schemes to defraud the Court itself. That XXXX/via XXXX XXXX XXXX " As a Servicer '' role had an obligation to Release the Lien under operation of law and instead has caused XXXX to enter and continue a scheme to Defraud me out of my property by a false scheme to which is PHANTOM DEBT false and ficticious debt obligation and major Crimes being done against persons to take real property that holds no rights and despite this as fact having entered a World of UNSCRUPULOUS FALSE FACTS BEING CLAIMED BY ATTORNEY 'S HIRED TO AID IN REAL PROPERTY THEFT and XXXX having hired TRUSTEE CORP ; Aka XXXX XXXX XXXX as an entity that did not answer or respond to the dispute mentioned ; and that this was time barred. XXXX instead filed a faulty and illegal recording on the Public Records to aid in a Real Property Theft to disguise as if a 13 years ago accelerated note ; that was discharged in year 8 and now 13 years having expired all rights to enforce ; making up false fake phantom debt that has no installment contract owed and does not have any security instrument to claim any such power of sale. These acts are extreme and have cost me 13 year of lost life and a continued ramped up illegal scheme to defraud our nation. XXXX has " No lender '' and yet still wants to aid in stealing Real Property by means of the CEO XXXX XXXX XXXX is running the show of XXXX XXXX XXXX XXXX XXXX and is directing the ordering of the false documents created at the County to steal and place into a stock for XXXX with false debt obligations being claimed. XXXX has falsely claimed rights to enforce a debt that does not exist. XXXX has failed to release the lien claimed. XXXX has aided in a scheme to defraud me out of my rights and my property and has taken over my Title by false fraudulent documents created in XXXX and XXXX knowing that or must have known that the debt is non existent ; and instead has caused several recent false entries into the XXXX and Credit Reporting Agencies to cause to ruin my credit rating ; and made fabricated claims of recent activity to make up false reviving of a debt non existent. This scheme is horrendously abusive and I believe someone in this scheme to cause me harm should be held accountable and perhaps do time in prison for such extreme outrageous acts of Real Property Theft by means of a False Debt Obligation that simply does not exist.
01/28/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MO XXXXX	Web	Servicemember
Bank of New York Mellon vs XXXX XXXX Case number XXXX in the XXXX County Indiana Court system My name is XXXX XXXX, I am the granddaughter of XXXX XXXX. I also have power of attorney over this matter. We are desperate for some help to save his home from foreclosure. The story is long but there is a ton of information to share. My family became aware of the situation 8 years after the loan originated. When Mr. XXXX was XXXX XXXX XXXX and dragging his belongings to the flea market to try and make money to cover his house payment, he finally let us know about the embarrassing situation he had gotten into. Mr. XXXX was unaware of what he had gotten into at the time of origination, because he trusted that a man who would come to his house and drink coffee with him at his kitchen table would be someone you could believe in. As time went on, he learned that there are some really awful people in this world. On or about XX/XX/XXXX, XXXX XXXX, entered into a loan to consolidate debts. At that time, Mr. XXXX was XXXX years old. XXXX XXXX was the originator of the loan. Mr. XXXX has lived at XXXX XXXX XXXX, XXXX, Indiana XXXX for over 65 years. When this loan was originated, Mr. XXXX lived on the property in a double wide mobile home which was placed on the property when the original home burned down in XXXX. The mobile home was never converted to real property. Around XX/XX/XXXX Mr. XXXX entered into an agreement with XXXX XXXX XXXX out of XXXX to refinance and consolidate outstanding debt. On or about XX/XX/XXXX, the property was appraised by XXXX XXXX XXXX XXXX of XXXX XXXX for {$150000.00} XXXX was subsequently indicted in XXXX and later tried and convicted of conspiracy and mail fraud for his part in a scheme to over appraise homes in Indiana. XXXX was sentenced to 44 months in prison for his crimes.. XXXXXXXX XXXX brokered a loan in the amount of {$150000.00} with XXXX XXXX. They received {$6000.00} for their services out of loan proceeds. The loan terms were {$150000.00} principle, fixed interest of 9.9 % with 179 monthly payments of {$1300.00} with a balloon at the end of the 179 payments of {$120000.00} The settlement statement indicates that XXXX XXXX was paid {$24000.00} out of the loan proceeds. Mr. XXXX does not have any recollection of a loan with XXXX XXXX. XXXX XXXX, was contacted in XXXX when Mr. XXXX family became aware of this situation, they claimed they never had a customer with Mr. XXXX name or social security number. Mr. XXXX made these outrageous payments to XXXX XXXX, then XXXX, then XXXX for over 8 years. When his daughters became aware of this situation, they tried to help him get the loan refinanced. They tried with several mortgage companies, and none of them would loan anything near what was owed, because the home was a double wide trailer. When I became aware of this situation, I began to investigate. It took a lot of calls and letters to finally obtain the appraisal for this loan. Having worked in the XXXX XXXX, I could not fathom how a mobile home would have been appraised as real property and been given a loan of {$150000.00}. I was able to obtain the appraisal in late XXXX. That is when I got the name of the appraiser. I simply XXXX his name and found out about the conviction for appraising homes at 2 to 3 times their value in a mortgage fraud scheme in XXXX. He was sent to prison for 44 months for his part. Upon going over the appraisal, it became clear that Mr. XXXX did not even go to the property to appraise the home. Mr. XXXX had always maintained to me that he did not, but being in the XXXX XXXX, I could not fathom that to be true. But, upon looking he not only appraised the mobile home as real property, he also said it had 2 bedrooms when it in fact has 3. There are also no pictures from inside the home. Based on this appraisal, XXXX XXXX, entered into a loan for an amount many times over what the property was actually worth. After finding the appraisal I went about trying to file a lawsuit against everyone involved in putting together this loan. The attorney we hired, and the attorney general of Indiana at the time both informed me the statute of limitations had expired. Our attorney said that we would have to go into foreclosure so that we could open that back up and fight our case. I had to really talk Mr. XXXX into not paying the loan to do that. On XX/XX/XXXX XXXX, the loan servicer at the time, filed in XXXX County circuit court for a foreclosure. We immediately responded and asked for a jury trial. Throughout it all they maintained that the appraisal was lost, once they realized we had it, they did everything in their power to delay, delay, delay. For over 10 years, they changed council, sold the mortgage, and filed motions to keep this in limbo. In XXXX of XXXX, our attorney withdrew from the case for medical reasons. In fact, she retired from law. She gave our case to another attorney who made at least one appearance in front of the judge, as well as many motions. This thing just drug on and on for years. We would hear a flurry of activity and our attorney would respond, and they would back off and we would not hear anything again for years. In XXXX of XXXX, XXXX, the mortgager at this time, filed a motion to have our counter suit dismissed. The law firm they hired at this time is XXXX XXXX, XXXX located in XXXX, Indiana. Instead of notifying our attorney at the time, XXXX XXXX notified the one who had retired in XXXX. Mr. XXXX was informed by mail, and it came after the fact. The judge granted a default and the house was foreclosed upon and set for sheriff auction in XXXX County on XX/XX/XXXX. The auction claims it is a house and is worth {$220000.00} plus dollars. In XXXX of XXXX, I hired a new attorney to help us with this matter. We again determined that the house is in fact a mobile home and not subject to sale as real property. We had an appraisal done of the land, and it came back at {$23000.00}. We offered XXXX to pay the fair market value of the land to settle this. They refused. We filed a motion with the court on XX/XX/XXXX asking that the mobile home be removed from the sheriff auction. The judge agreed, and issued a notice on XX/XX/XXXX that the trailer be removed from the auction. XXXX, filed a motion on XX/XX/XXXX asking the judge for a hearing to reconsider. She did grant that motion, but ordered that the sale be cancelled until after the hearing, which is scheduled for XX/XX/XXXX. XXXX XXXX did not remove the sale from the auction and we had to scramble at the last minute. Our attorney was able to contact XXXX XXXX within hours of auction time and convince them to remove the sale. It was at this point that things became even more ridiculous. On XX/XX/XXXX we had a hearing in front of the judge. My grandfather, and my Aunt XXXX XXXX both testified in the hearing. The hearing was to determine if the mobile home on the property could be sold with the property, or if the mobile home was considered real property that Mr. XXXX owned outright. On XX/XX/XXXX the judge issued an order agreeing with Mr. XXXX that the mobile home was his and he could move it when he left the property. I have attached a copy of that order. Bank of New York had their attorneys file a motion asking the judge to reconsider. On XX/XX/XXXX she denied that motion. I have attached a copy of that order. On XX/XX/XXXX Bank of New York Mellon filed a motion with the court to set aside in Rem Summary Judgment and to remove the order to have the Sheriff inform bidders that the personal property would be removed. Once again we had to spend money with our attorney to counter this. On XX/XX/XXXX we filed an objection. I have attached both of these motions. On XX/XX/XXXX there was an attorney only hearing due to covid regarding the aforementioned motions. On XX/XX/XXXX of XXXX, the judge issued an order denying their motion to Set aside in Rem Summary Judgement. I have attached that order. On XX/XX/XXXX Bank of New York Mellon filed a motion to have this sent to the Sheriff 's auction. They did not change the wording to indicate that the sheriff inform the bidders about the personal property not being part of the sale. Once again we had to defend ourselves and file a motion asking that the judge issue an order for Bank of New York to inform bidders. On XX/XX/XXXX the judge again issued an order for the Sheriff to inform bidders. I have attached that order. On XX/XX/XXXX Bank of New York had an appraiser reach out to me to come and appraise the property. His name was XXXX XXXX of XXXX XXXX. Phone number XXXX. We agreed that he would come to the property on XX/XX/XXXX. I would be there by facetime on an XXXX with my aunts. Mr. XXXX appraised inside and outside of the home and property. We tried numerous times through our council to find out what the appraisal came back as, but our questions went unanswered by XXXX XXXX law firm. However with in days, XXXX XXXX did remove the property from the Sheriff sale scheduled for XX/XX/XXXX. On XX/XX/XXXX Bank of New York Mellon once again filed a motion for this to go to Sheriffs auction. We had never heard from them regarding the appraisal. Our attorney reached out to them again and we were informed that since we did not allow an appraisal one was not done. This in fact is a lie. We did do an appraisal with XXXX XXXX on XX/XX/XXXX. After much back and forth, Bank of New York Mellon agreed to do another appraisal. This one was scheduled for XX/XX/XXXX. The appraisal company was XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX Indiana XXXX XXXX. They also did an inside and outside full appraisal. On XX/XX/XXXX XXXX XXXX sent our attorney what he claimed to be the appraisal from XX/XX/XXXX done by XXXX XXXX. In fact it was an internet appraisal done on XX/XX/XXXX by a company called XXXX XXXX XXXX XXXX. This came in at a ridiculous amount of {$270000.00}. This is not an appraisal by any of the companies we agreed to come and appraise the property. And is {$250000.00} higher than the appraisal we had done in XXXX of XXXX. We have contacted XXXX XXXX to try and get a copy of the appraisal they have done. As we sit at this moment, this house is scheduled to be sold at Sheriff auction XX/XX/XXXX. It still is not mentioning that the personal property is not a part of the sale. We have spent over {$8000.00} on attorney fees in the last 18 months on things that have already been decided by the court 3 times now. Not to mention none of this would have happened had XXXX XXXX and Bank of New York Mellon actually informed our attorney at the time and not we that had not been practicing law for over 5 years. I do not believe what they are doing is ethical in the least. I have reached my wits end here and do not have any idea what to do next. I do know we can continue to fight them in court and win, but we should not have to keep spending money on attorney fees for a case that has been decided. It is not fair for a company the size of Bank of New York Mellon to be able to try and out spend us. I am asking for help in how to go about putting an end to this unfair and unethical treatment by a bank. I would like to add that since this loan originated, Mr. XXXX has paid over {$130000.00} on this loan and only taken {$1200.00} off the principle. Please let me know if you can help. My email is XXXX and my phone number is XXXX. Thank you for reading! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX
02/24/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	IL 601XX	Web	Servicemember
XXXX XXXX Abuse. I want to inform the Consumer Financial Protection Bureau that this is not a duplicate complaint. Bank of New York Mellon has never answered any of my complaints at all since XXXX. This complaint is also completely different new updated information regarding fraud and Bank Of New York MellonXXXX Harassment threats. I spoke with a Consumer Financial Protection Bureau manager who advised me to resubmit the complaint for further review. I'm requesting a response from bank of New York Mellon as I have never received a response to my filed complaints My name is XXXX XXXX XXXX, a XXXX Veteran XXXX on railroad XXXX. Tax ID XXXX. In XX/XX/XXXX I received an Itemized statement from XXXX XXXX. On the statement date of XX/XX/XXXX states XXXX XXXX from XXXX, and sold the loan by XXXX XXXX. Then on XX/XX/XXXX charge XXXX XXXX Charge Number XXXX XXXX XXXX XXXX filed foreclosure. On XX/XX/XXXX XXXX XXXX alleges that the loan was paid off. On XX/XX/XXXX XXXX XXXX suddenly dismisses the lawsuit which is the second foreclosure lawsuit XXXX XXXX has dismissed on the home since XXXX. On XX/XX/XXXX A payoff statement was ordered from alleged to be XXXX XXXX XXXX. XXXX XXXX sends a letter to me in XX/XX/XXXX stating congratulations the loan was paid off with a release of mortgage. XXXX XXXX has never disclosed how the loan was paid off or why the Foreclosure was dismissed. I had an attorney at the time XXXX XXXX who I was paying a monthly bill to help me save my home. I thought all the loans on the home were paid off after my wife passed away on XX/XX/XXXX through the probate of a wrongful death. However, a XXXX Home Equity line of Credit was taken out in XX/XX/XXXX. My Last payment was in XXXX with the real mortgage company XXXX before they closed. Out of no where a Bank of New York Mellon alleges to have received assignment from XXXX on XX/XX/XXXX which is about 6 years after my last payment. XXXX XXXX XXXX was calling me asking me to send documents regarding a previous loan with XXXX which I did not understand why. On XX/XX/XXXX Bank Of New York Mellon filed a foreclosure on the home without my knowledge or being served in any lawsuit. XXXX XXXX filed a foreclosure XX/XX/XXXX. When I found about it the foreclosure with Bank Of New York Mellon it was XX/XX/XXXX. Bank of New York Mellon stated to have no record of the home or involvement with Bank XXXX XXXX. It appears that XXXX XXXX XXXX using the name Bank of New York Mellon as a decoy to hide Bank XXXX XXXX from any involvement or liability with the foreclosure lawsuit. In the Bank Of New York Mellon, I also discovered that documents were forged in my name as if I made appearances in court when I was working at the VA at the time. Then I hired an attorney on XX/XX/XXXX after that and not sure what happened next until now. XXXX XXXX XXXX to have sold the loan in XX/XX/XXXX to Bank XXXX XXXX. XXXX XXXX claims it was paid off on XX/XX/XXXX it can not be both. XXXX XXXX XXXX is alleging that it paid off the loan from XXXX XXXX. When it was alleged to already been sold off. XXXX XXXX XXXX instead alleged to have consolidated the loan to avoid XXXX XXXX foreclosure on the home that would have wiped any second liens on the title. I dont believe any loan was actually paid off to XXXX XXXX . XXXX XXXX or XXXX XXXX XXXX is refusing to produce any payment information or wire transfer as to who, when, why or where this alleged payment was made. Now XXXX XXXX XXXX is claiming that it alleged to have paid off the loan, and added XXXX XXXX loan to the old XXXX loan. I never knew anything about this at all. I have never signed anything or applied for any, new loans, refinance, loan modifications, Deed, in lieu, forbearance or reverse mortgage, confirming consolidating anything with Bank XXXX XXXX. Nor have I applied for loans above with any other lenders regarding the home. XXXX XXXX XXXX claims to have been paying extra home insurance on the home, Taxes, XXXX XXXX transferred loan adding taxes to this amount. The amount XXXX alleged to owe with Bank XXXX XXXX is over XXXX on a home that is under water and worth less than XXXX. This is fraud, because I did not do any of this. Im being harassed by XXXX XXXX XXXX for money that I do not rightfully owe. I also recently discovered that XXXX XXXX in XX/XX/XXXX to XX/XX/XXXX removed my name on the loan documents, and placed my former attorneys name to receive my loan billing statements. In the end my attorney claims to not know anything. Then later my former Attorney stated that he thinks Bank of New York Mellon paid it off. I was never informed by my former attorneys that anything was paid off for me to have to pay it later with another lender, or servicer. XXXX XXXX had me sign a loan Modification that originated by XXXX XXXX XXXX XXXX loan that I had on the home in XXXX. The loan was alleged to be acquired by XXXX XXXX in XXXX. However, this can not be confirmed. Because Investors Saving Bank Received Government Assistance Failed on XX/XX/XXXX. The loan was created in XX/XX/XXXX with XXXX XXXXXXXX XXXX XXXX XXXX secured loan. In XXXX XXXX XXXX pressured me to sign a loan Modification changing those terms of the original loan from a VA loan to a regular Mortgage without informing me of that. XXXX, XXXX also did not get any approval from the VA to change the terms of the loan which was higher well above my income amount. Which now have me in the situation Im in today. Then soon after the loan Modification was completed a Bank called Bank of New York Mellon filed a foreclosure less than 30 days later after alleged to have signed a subornation agreement with XXXX XXXX. Now Im in a process to be evicted from my home by alleged to be Bank Of New York Mellon. I believe its XXXX XXXX XXXX using the name Bank of New York Mellon to Evict me from my home. XXXX XXXX XXXX also allege that I owe over XXXX to them that I know nothing about as well. I feel I have been a victim of Elder financial abuse, consumer fraud and fair debt collections act practices and mortgage foreclosure scam by hired law firm. It does appear that XXXX XXXX XXXX and XXXX XXXX were working together as this is connected with the National Mortgage Settlement ( XXXX ). XXXX XXXX filed the first foreclosure on XX/XX/XXXX XXXX XXXX Illinois XXXX XXXX. I was also informed that the alleged judgment by Bank Of New York Mellon XXXX XXXX XXXX XXXX is invalid. The XXXX case on the home is XXXX. However, the eviction case was dismissed in XX/XX/XXXX. Whomever is working with alleged Bank Of New York Mellon is still trying to pursue the Eviction case despite being dismissed for want to prosecute on XX/XX/XXXX. The Eviction case was not refiled within one year or vacated. Bank Of AXXXX is Threatened to sue me for debt not owed. I also have reason to believe that additional lawsuits have been filed against me By XXXX XXXX XXXXXXXX or XXXX Bank of New York Mellon that Im not aware of. Nor was I served by anyone regarding any new lawsuits. Seeking assistance with this matter. XXXX XXXX filed a foreclosure XX/XX/XXXX. I hired an attorney in XX/XX/XXXX after that and not sure what happened next until now. XXXX XXXX XXXX to have sold the loan in XX/XX/XXXX to XXXX XXXX XXXX. XXXX XXXX claims it was paid off on XX/XX/XXXX it can not be both. Docket one- This XXXX XXXX XXXX statement says that I made payments when I have not made any of these payments to XXXX XXXXXXXX XXXX XXXX I feel that someone took out a loan in my name and identity with XXXX XXXX XXXXXXXX for me to pay it back later which is fraud. XXXX also a victim of identity as well since XXXX. Docket Two- This a document that was Submitted to the XXXX with false claims that the home was vacant. When the home was not Vacant to have me restricted from accessing the home and my property removed from the home. Despite a wrongfully filed Eviction case against the home during the Illinois Eviction moratorium in the name of Bank of New York Mellon. Who is really XXXX XXXX XXXX? XXXX XXXX has been harassing us at the home and her husband for years. I have proof that she has been disparaging us with random people while claiming to be the realtor of the bank. Then she seems to not be sure what bank she is alleged to be working with. But have uploaded old outdated documents from XXXX XXXX XXXXXXXX. The Vacancy document has XXXX XXXX XXXX on it as well. Respectfully Submitted XXXX XXXX XXXX XX/XX/XXXX XXXX
09/24/2022	Yes	Money transfer, virtual currency, or money service Debt settlement	Fraud or scam	OR 97062	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX ( and the clerks thereof - in whatever capacity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police Department State of Oregon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX release services Oregon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each of the above named companies established under the laws of the United States and of Oregon, have engaged in, or are engaged in fraud currently in connection to the below described financial instruments and actors. " Officer '' XXXX XXXX of XXXX Police Department submitted under penalty of perjury, a falsely completed affidavit for probable cause to initiate fraudulent charges out of retaliation, against my SSN Account XXXX XXXX XXXX, account number XXXX, and personal liberty, and to create a penal bond as well as a bail bond. " Officer '' XXXX XXXX falsified business records in the form of an officer report to aid and abet XXXX XXXX and secure the proceeds of their crimes. Sgt XXXX XXXX supervised and participated in the conspiracy as well. XXXX XXXX District Attorney XXXX XXXX and her subordinate XXXX XXXX are also fully engaged in the fraud as well as Judge XXXX XXXX XXXX and XXXX XXXX, both of whom have violated their fiduciary duties as well in the same pattern of racketeering activity. Both Bails below were generated by the same fraudulent affidavit - related transactions : {$5000.00} bail paid to Pre-Trial release services of XXXX XXXX, Oregon on XX/XX/XXXX - ( fraudulent ) Case # XXXX {$5.00} bail paid to Pre-Trial release services of XXXX XXXX, Oregon on or about XX/XX/XXXX - ( fraudulent ) Case # XXXX This is a continuing and ongoing matter, unresolved. I have more emails and evidence than can be attached to this report, but am willing to divulge it by other means if necessary, XXXX XXXX etc. This fraudulent activity directly affects the amount of " lawfully/legally available funds '' of the " general fund '', supported by " Fines, Forfeitures, and Penalties : ie : criminal charges. This fraudulent activity is creating Liability for ; FISCAL AGENT The Bank of New York Mellon Trust Company, N.A. XXXX XXXX XXXX, Suite XXXX XXXX XXXX, CA XXXX {>= $1,000,000} STATE OF OREGON GENERAL OBLIGATION BONDS VARIOUS SERIES Resources Available for Payment The XXXX Bonds are expected to be paid from biennial appropriations from the States General Fund budgeted by the Legislative Assembly or, as appropriate, from any other amounts lawfully available for expenditure for that purpose. OFFICIAL STATEMENT DATED XX/XX/XXXX $ XXXX XXXX XXXX, Oregon Full Faith and Credit Refunding Obligations, Series XXXX SECURITY Pursuant to the terms of a financing agreement ( the Financing agreement ) the Countys payment obligations ( the Financing Obligations ) are to be secured by and payable from any and all of the Countys legally available taxes, revenues and other funds, including the proceeds of the Financing Agreement and any taxes levied by and for the County within the restrictions of Sections 11 and 11b, Article XI of the Oregon Constitution. The obligation of the County to make payments is a full faith and credit obligation of the County, and is not subject to appropriation. The Beneficial Owners of the Obligations do not have a lien or security interest on the property refinanced with the proceeds of the Financing Agreement. The Obligations do not constitute a debt or indebtedness of the State of Oregon, or any political subdivision thereof other than the County. XXXX XXXX XXXX XXXX Georgia v. Rachel, 384 US 780 - Supreme Court XXXX " As I indicate in my opinion in the Peacock cases, post, p. XXXX, equal civil rights of a citizen of the United States are " denied '' within the meaning of 28 U. S. C. 1443 ( 1 ) ( 1964 ed. ) when he is prosecuted for asserting them. Section 201 of the Civil Rights Act of 1964 ( 78 Stat. 243, 42 U. S. C. 2000a ( 1964 ed. ) ) gave these defendants a right to equal service in places of public accommodation. Section 203 ( 78 Stat. 244, 42 U. S. C. 2000a-2 ( 1964 ed. ) ) gave them a right against intimidation, coercion, or punishment for exercising those rights. And we held in Hamm v. City of Rock Hill, 379 U. S. 306, that 201 and 203 precluded state criminal trespass convictions of sit-in demonstrators even though the sit-ins occurred and their prosecution had been instituted prior to the effective date of the XXXX Act. Congress, in other words, gave these defendants the right to enter the restaurants in question, to sit there, and to be serveda right that was construed by this Court to include immunity from prosecution after the effective date of the Act for acts done prior thereto. It is the right to equal service in restaurants and the right to be free of prosecution for asserting that right not the right to have a trespass conviction reversedthat the present prosecutions threaten. It is this right which must be vindicated by complete insulation from the State 's criminal process if it is to be wholly vindicated. It is this right which the defendants are " denied '' so long as the present prosecutions persist. '' Evans v. United States, 504 US 255 - Supreme Court XXXX " Second, even if the statute were parsed so that the word " induced '' applied to the public officeholder, we do not believe the word " induced '' necessarily indicates that the transaction must be initiated by the recipient of the bribe. Many of the cases applying the majority rule have concluded that the wrongful acceptance of a bribe establishes all the inducement that the statute requires. [ XXXX ] They conclude that the coercive element is provided by the public office itself. And even the XXXX courts that have adopted an inducement requirement for extortion under XXXX of official right do not require proof that the inducement took the form of a threat or demand. See United States v. O'Grady, 742 F. 2d, at 687 ; United States v. Aguon, 851 F. 2d, at 1166. '' Bell v. Maryland, 378 US 226 - Supreme Court 1964 " Whose conduct is entitled to the " law 's protection ''? Of course every member of this Court agrees that law and order must prevail ; the question is whether the weight and protective strength of law and order will be cast in favor of the claims of the proprietors or in favor of the claims of petitioners. In my view the Fourteenth Amendment resolved this issue in favor of the right of petitioners to public accommodations and it follows that in the exercise of that constitutionally granted right they are entitled to the " law 's protection. '' Today, as long ago, " [ t ] he very essence of civil liberty certainly consists in the right of every individual to claim the protection of the laws.... '' Marbury v. Madison, 1 Cranch 137, 163. CONCLUSION. The constitutional right of all Americans to be treated as equal members of the community with respect to public accommodations is a civil right granted by the people in the Constitutiona right which " is too important in our free society to be stripped of judicial protection. '' Cf. Wesberry v. Sanders, 376 U. S. 1, 7; Baker v. Carr, 369 U. S. 186. This is not to suggest that Congress lacks authority under 5 of the Fourteenth Amendment, or under the Commerce Clause, Art. I, 8, to implement the rights protected by 1 of the Fourteenth Amendment. In the give-and-take of the legislative process, Congress can fashion a law drawing the guidelines necessary and appropriate to facilitate practical administration and to distinguish between genuinely public and private accommodations. In contrast, we can pass only on justiciable issues coming here on a case-to-case basis. It is, and should be, more true today than it was over a century ago that " [ t ] he great advantage of the Americans is that... they are born equal '' and that in the eyes of the law they " are all of the same estate. '' The first Chief Justice of the United States, John Jay, spoke of the " free air '' of American life. The great purpose of the Fourteenth Amendment is to keep it free and equal. Under the Constitution no American can, or should, be denied rights fundamental to freedom and citizenship. I therefore join in reversing these trespass convictions. ''
09/18/2023	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage Foreclosure	CT 064XX	Web	Older American
From : XXXX XXXX XXXX Subject : XXXX XXXX XXXX Date XXXX XX/XX/XXXX at XXXXXXXX XXXX EST Below is a quick synopsis of my case : In XXXX, according to land records, XXXX took over our loan from XXXX, XX/XX/XXXX, I refinance the mortgage with XXXX who puts us into a predatory option arm that was never properly explained to us. We never miss a single payment or were late, we finally realized that our loan was negatively Amortizing and why. Interestingly, they had my husband only sign one of the forms. All the rest of this loan does NOT have his signature and no one knows why. So it leaves me as solely responsible. XX/XX/XXXX, according to SEC records, a company called XXXX XXXX XXXX records they're holding of the Mortgage. I later come to find out that XXXX stands for XXXX XXXX XXXX XXXX and that they are owned by XXXX or XXXX XXXX XXXX. They are no longer in existence. In XXXX, XXXX XXXX asks XXXX XXXX XXXXXXXX to bail out XXXX in the hopes of avoiding a housing market crash. TARP and HOPE are created but the crisis still happens. XX/XX/XXXX, I realize that our loan is negatively amortizing. I start an application process under HOPE and TARP and the upcoming HAMP laws to modify it. In the middle of it, we find ourselves also working with XXXX XXXX XXXXXXXX but all paperwork is from XXXX XXXX XXXX which is owned by XXXX XXXX XXXX and XXXX. XX/XX/XXXX, we sign a loan modification or what we believed to be one. It was to last for 5 years at 1.5 % interest. Unfortunately, when it ended, it also put us back into the negatively amortizing predatory option arm that got us into trouble. XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX attempts the first of several attempts accellerate foreclosure despite use being in a loan modification that we are paying on time and in full. They would also call and harass us by Telephone and dropping notices off at our door. Yet, we were in compliance the entire time on our loan and loan modification. XXXX, In the middle of our XXXX Loan Mod, I became XXXX XXXXXXXX. The loan modification we were on with my debt to income ratio was pretty much all we could handle. Both DOB ( Dept. of Banking ) and I begged XXXX to do the right thing at the end of my loan modification to convert it to permanent loan. They refused. In XX/XX/XXXX, DOB requested I attempt a new loan modification before the old one ended so that we could keep the situation from going out of control with us not being able to afford the mortgage. XXXX denied my application stating it was premature. In XX/XX/XXXX, we began this process all over again, making this the 3rd loan modification attempt since XXXX. We were told by XXXX that needed to be 3 months behind in our mortgage to get one. We hoped for a resolution before having to do that. We were paid in full and on time at this point. XX/XX/XXXX, our 5-year loan modification ended but XXXX never offered us a permanent loan like they were supposed to under HAMP, HOPE or TARP. We completed this loan modification never being late or missing a payment. XX/XX/XXXX, per XXXX demands, we stopped paying the mortgage because they told us we had to be 3 months behind in our mortgage to qualify for a HAMP modification. Since that time, XXXX has stalled the process 9 times, never denying us but always making us start all over. Sometime around XXXX, XXXX supposedly sold our note to a Private Investor who hires Bank of New York Mellon, as the trustee, and never notified us. We were then given a new Servicer, XXXX ( XXXX XXXX XXXX ). The new investor despite knowing that we had been in loan modification negotiations for over 2 years with 9 prematurely closed applications and no denials, put us into a special program that would prevent us from any appropriate loan modification processes. And this is now stalling and preventing a proper reasonable loan modification. Or so we were lead to believe. About this time we find out that the loan is illegal and was banned in XXXX because it is a negatively amortizing loan. This means that if we pay it, we are condoning it. XX/XX/XXXX, I file a Federal Lawsuit against XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank of New York Mellon and XXXX. Of the 13 counts, the judge only allows 3 to proceed, related to violations of TCPA, Fair Debt Practices and Consumer Protection. The judge also dismisses the case against three of the defendants leaving only XXXX XXXX XXXXXXXX and XXXX. In XXXX, I put a lis pens on the property related to my federal lawsuit to prevent them from selling it easily if they foreclosed. And I obtain my SEC records which show XXXX as holding my mortgage since XXXX to present. At the time, I thought XXXX was a federal company and did not realize they were XXXX XX/XX/XXXX, after numerous attempts to find out who the investor is and other information, XXXX finally sends a letter to DOB. DOB thought I had gotten a copy of this letter but I had not. In XX/XX/XXXX, after 13 attempts at loan modifications, XXXX finally gave us a loan modification that we could afford. But they refused to tell us what the terms would be at the end and what the breakdown was. Finally, in XXXX when we completed the trial period, they gave us a loan modification that was unacceptable. And here we sit again in limbo with no proper loan. XX/XX/XXXX, judge orders us into mediation and for XXXX to request their client put the loan process on hold until we mediate. We go into mediation, where after years of requests for the investor information and programs, XXXX finally tells us that my property is owned by a private investor and that they put us into a special program that prevents us from any other loan but the crappie one they try to force me to sign. The mediation judge orders all parties to do homework related to necessary discovery and that it is due XX/XX/XXXX. Instead on XX/XX/XXXX, XXXXXXXX contacts my limited scope attorney and tells them that unless I sign the loan they proposed in XXXX that mediation is off. My loan process is Not part of the lawsuit and the judge told them they had to put it on hold. Clearly the defendants came to mediation in bad faith. As well, XXXX XXXX XXXXXXXX no longer had say on my loan and therefore was obligated to continue mediation even if XXXX refused. I tried to filed contempt charges against them for violation of the both judges ( federal and mediation ) orders/requests and for coming to mediation in bad faith. But the judge denied it saying I should have notified the mediation judge. I provide proof that i did and still the judge denies it. XX/XX/XXXX, DOB and I finally realize that they have a copy of a letter that was never sent to me telling us who the investor is. They send it on to me. It is XXXX. All the time, we had been lied to and told that XXXX XXXX XXXX was the investor and they sold us off. XXXX still has not been properly answered. And in the meantime, we now know that XXXX XXXX XXXX never owned or held our mortgage. In fact, XXXX XXXX XXXXXXXX isa not listed anywhere on our land records or SEC records. The judge has denied us various motions and complaints based on false information from the defendants. XX/XX/XXXX : Foreclosure documents filed. Despite failure to provide us with our original documents. And despite the fact that the Loan is illegal and was banned 4 years before we were placed in it. We have tried to explain this to them as well as that because this is an illegal mortgage that they have left us in since XXXX of XXXX, we could not pay it as it would condone the illegal mortgage. We have since tried XXXX times to do a loan modification which has either been stalled, shutdown prematurely, or provided with a loan that was illegal with a balloon payment or provided with a loan that was even more than what we could not afford in the first place. They refused to honor our loan modification that we did for 5 years with no issues and convert to a permanent loan. The DOBanking has been involved but could do no more.
04/14/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 33029	Web	Older American
ATTENTION XXXX XXXX XXXX XXXX : Eventhough XXXX XXXX XXXX , XXXX was the Originating Servicers in XXXX when this loan/mortgage was created, the company ( XXXX ) is touting that they sold you [ XXXX XXXX XXXX XXXX ] the mortgage in XXXX. ( See XXXX attached copy ). And wants to eliminate themselves from the Wrongful Acts that they carried out in ( XXXX and XXXX ) because they stated that you were sold the loan in ( XXXX ). ( See all information in this complaint ). So I am sending your company [ XXXX XXXX XXXX ] the complaint ( which I thought the CFPB sent you already ). The below information explains in further detail of what was requested of ( XXXX XXXX Servicing , LLC ) in the previous complaint that was not remotely or respectively answered. Amongst many other questions that should have been answered and Corrections that should ( should have ) been made. See CFPB # XXXX. In XXXX while originating our loan application, you, XXXX XXXX XXXX , XXXX Circumvented the Florida Law reference A Borrower and A Married Borrower in the State of Florida. Which forms a [ Tenancy by the Entireties ] which treats the husband and wife as a unit. In the State of Florida, any Real Property or Personal Property held by husband and wife as ( tenants by the entireties ) belongs to neither spouse individually, but rather each spouse owns the whole property. And both signatures are required for any change in document terms ( i.e. Loan Modification Agreements ). You ( XXXX XXXX XXXX ) made my husband ( the Sole loan borrower ) on the loan application of your own volition, instead of the both of us on the application form. Which there should not have been any reason we couldnt qualify together. But even so, because we are a married unit, the Florida Law did not call for your company to dictate Spousal Rights ( in favor of my husband ) over our Real Property. ( i.e. telling me I need permission to discuss my real property with you ( XXXX ) or/and ( XXXX XXXX XXXX XXXX ) or any other entity ( i.e. CFPB ). It was Reckless, and Manipulative to further circumvent the Florida Law to create your own rules to [ exploit Rights of Power to discuss any business regarding our real property to my husband ] and simultaneously created a wall shielding the Spousal ( WIFE ) from being able to ( Call Your Servicing Company/ XXXX XXXX XXXX XXXX mortgage/servicing ) to discuss any business matters in reference to our investment property. That was, and still is a Reckless, Destructive Act that could cause Severe Problems regarding property asset distribution between a Husband and Wife in this State. But ultimately, you ( XXXX XXXX XXXX , XXXX ) broke the Florida Law regarding Spousal Property Ownership by ( thru loan years ) have continuously invalidated my position as a ( titled married owner of our Real Property ). RESPONSE TO XXXX XXXX XXXX STATMENT # 1 Answer Per you ( XXXX XXXX XXXX, XXXX ) Tout of me being unauthorized to receive/request information reference my own property. You ( XXXX XXXX XXXX , XXXX ) broke the Florida Law between Married Property Owners. As stated in the above paragraphs, it is Destructive and Reckless for you, XXXX XXXX XXXX , XXXX ) to have Circumvented the Florida Law ( during the application process ) to benefit your application needs. The decision regarding the form of ownership of an asset is Critically Important, especially in the State of Florida. So this Act of exploiting Sole Rights of Power to my Husband [ in the State of Florida ] can cause extreme detriment in regards to spousal laws relating to real property, etc. # 2 Answer In reference to ( XXXX XXXX XXXX ) stating they transferred our loan to ( XXXX XXXX XXXX XXXX ). The main area of this complaint surrounds the ( Modification Agreement ) Originated by you ( XXXX XXXX XXXX , XXXX ) in XXXX for processing a contract agreement consisting of [ One married partys signature [ my husband ] and did not contain the ( other married Partys signature ) the ( spousal wife ), which makes the Modification Agreement unenforceable. ( Invalid ). There were changes made to the existing contract by extending the terms of the Maturity Date to ( XX/XX/XXXX ). I the ( other owner/spouse ) did not agree to these terms ( neither was my signature on the Modification Agreement ). I am requesting the [ Maturity Date is Corrected ) according to the Original Promissory Note to ( XX/XX/XXXX ). Also, there is a ( XXXX letter from XXXX XXXX XXXX XXXX attached ) that states from XXXX XXXX XXXX that they were servicing our Loan ( at that time ) on behalf of XXXX XXXX XXXX XXXX, [ WHO IS ACTUALLY THE MASTER SERVICER ]. ( see attached letter ) Note/Attachments : A letter from XXXX XXXX XXXX XXXX is attached regarding authorization of ( the spousal wife ) discussing our Investment Real Property. Which is against Florida Law for ( XXXX XXXX XXXX , XXXX ) to exercise and expedite those Financial Rules, and to other Mortgage Companies/Servicers, etc. that XXXX conducts business with. Also, a copy of the ( Invalid Modification Loan Agreement ( with the signature of one Party ). Which I also sent with previous complaint to XXXX. There is approximately ( 5 ) already other uploaded documents regarding this complaint under CFPB # XXXX. See the ( UNSUBSTANTIAL ] uploaded response from XXXX XXXX XXXX , XXXX to this and previous complaint alike. Affiliated Companies/Financial Institutions : XXXX XXXX XXXX , XXXX Customer Support Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : Bank of New York Mellon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , NY XXXX XXXX : XXXX ext. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX +++++++++++++++++++++++++++++++++++++++++++++++++++ WHAT CAN FIX THE PROBLEM In reference to ( XXXXXXXX XXXX XXXX ) stating they transferred our loan to ( XXXX XXXX XXXX XXXX ). The main area of this complaint surrounds the ( Modification Agreement ) Originated by you ( XXXX XXXX XXXX , XXXX ) in XXXX for processing a contract agreement consisting of [ One married partys signature [ my husband ] and did not contain the ( other married Partys signature ) the ( spousal wife ), which makes the Modification Agreement unenforceable. ( Invalid ). There were changes made to the existing contract by extending the terms of the Maturity Date to ( XX/XX/XXXX ). I the ( other owner/spouse ) did not agree to these terms ( neither was my signature on the Modification Agreement ). I am requesting the [ Maturity Date is Corrected ) according to the Original Promissory Note to ( XX/XX/XXXX ). A copy of this particular Complaint and ( Modification Loan Agreement ) sent to XXXX XXXX XXXX XXXX so that they can see that the [ Modified Terms of the Loan ] that was supposedly transferred to them is unenforceable and ( invalid ).
04/18/2022	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	WI 54703	Web
We have been fighting a foreclosure suit that started on XX/XX/XXXX. In effort to keep this letter to a reasonable length. I am giving a simplified version of events of the past 10 years. We have had 6+ loan servicers in 10 yrs. I have learned some of these servicers are no longer in business. We have had constant confusion due to the changes in servicers. This includes lost payments, conflicting information, lies made by servicers, constant requests and denials of loan modifications. From guidelines I have read regarding mortgage banking guidelines in place, this is a classic case of unethical, fraudulent and illegal practice. We have a solid paper trail of proof of this activity. Our current mortgage servicer is XXXX XXXX XXXX XXXX XXXX # XXXX We have had several sales scheduled, even as the servicer indicated our loan modification was in process but they would not stop the upcoming sale. We were denied several loan modifications where they claimed items were missing even if I had proof they were sent. Hud intervened and stopped one sale being confirmed due to the fact this was dual tracking. We have had many errors with unrecorded payments due to a constant change in servicers. Payments returned to us. Interest and penalties charges that are more than the worth of our house at this time added on to our principal The most recent errors by in payments were addressed during bankruptcy. The attorneys for XXXX XXXX XXXX admitted were errors in recording payments on our Loan. We had forced lender placed insurance despite the fact we had our own insurance. We had a fire in XXXX and lost our shop where we had a wood business on the property and although all of the proper paperwork was complete and submitted to XXXX, they refuse to address this issue. The insurance adjuster that cam to our home to inspect reported this as a total loss. We have received no compensation or explanation as to why they just ignore our claim. The insurance man that inspected the fire for the XXXX placed insurance said this fire was a total loss and XXXX would be compensated. But XXXX and their attorneys refuse to discuss this issue or compensate us for the loss. Most recently we sold the home to get free of XXXX XXXX service in XXXX of XXXX XXXX Bankruptcy was dismissed XX/XX/XXXX. We were then going forward with the sale and had a signed purchase agreement with all paperwork completed on XX/XX/XXXX with buyer. Closing was set for XX/XX/XXXX. On XX/XX/XXXX, We received a copy of a " Notice of Confirmation of Sheriff Sale '' The Attorney for XXXX XXXX XXXX had went back to XX/XX/XXXX & confirmed a previous sheriff sale that we did not know took place. At this time in XXXX and XXXX of XXXX we were again in process of a loan modification and XXXX told us this was being reviewed. We were reassured by XXXX that this would stop the process of the sale going forward We were shocked when this letter arrived that our house sale of XXXX of XXXX had been now confirmed and when we got the notice of this, the hearing was finished. So in XXXX of XXXX with no notice that the attorneys for XXXX XXXXXXXX XXXX were pursuing confirmation of this sale, At this same time XXXX was providing us with information for payoff amounts and getting this information to the title company for the closing date of the home sale. XXXX is giving us options of help with Covid relief and gathering information for our sale to be completed and never said anything about there being a problem with the loan or that their attorneys were confirming and older sale so they could then evict us from the property. The XXXX is shown to have won the auction bid at this 2 year old sale. I have searched to verify that the sale took place on XX/XX/XXXX with no success. XXXX had stated during XX/XX/XXXX he modification was complete but being reviewed at this time. So there would not be a sale The recent notice of XX/XX/XXXX says the bank was the buyer and they were the foreclosing lender. A huge point here is we were not notified that they were going ahead with Sale Confirmation on XX/XX/XXXX at XXXX XXXX until after it was done. The court summary from XXXX XXXX reads that we did not appear. We would have appeared if we were notified. I did some research on the letter sent to us late to notify. The US postal service website indicates that the letter arrived for mailing on XXXX, XXXX, XXXX @ XXXX XXXX and indicates delivered to our mailbox on XX/XX/XXXX @ XXXX XXXX. The attorney postmarked the envelope in the office on XX/XX/XXXX with an in office postage meter but did not sent until XX/XX/XXXX. It had a certified mail tag attached and this was not properly sent certified mail as this tag is still attached and no one asked us to sign. The procedure for certified mail is the sender must go in to post office attendant and get a receipt so they can verify mailing date. This contradicts this law : Universal Citation : WI Stat 846.165 ( XXXX through Act 45 ) I simply do not understand how this can happen. Suddenly we no longer own our home? We obviously had to cancel the closing on our sale because suddenly with no warning, we were not owners. We are devastated, we were days away from freedom from this lender and Servicer and now simply lost everything. This is also where I have my small business in the home and all of my business inventory is here on the property. I will also be unemployed because I will not have the time or space to relocate my wood tools and inventory. I have horses, and several small animals that will have to be relocated. We have tried very hard to talk to someone to negotiate along with our attorney. My Attorney as well as ourselves have hours of calls and emails to try to talk to anyone from the the all elements of XXXX XXXXXXXX XXXXBank of New York Mellon including XXXX XXXX XXXX in CA, XXXX XXXX XXXX XXXX XXXX and also Attorney XXXX at XXXX & XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX both firms in IL. Not one person from any office will respond. We wanted to negotiate a payoff for this home. They started the eviction process and we will be given only days to leave our home of 30 years. We have financing and cash in accounts to settle and in XXXX we were about to settle this after 10 years and pay the home off and be finished with this lender. But no one will listen, answer calls or messages or even let us pay this off.
07/16/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 76018	Web
In XX/XX/2019, I first became aware of significant unauthorized access and transactions on several of my financial accounts. I had been incapacitated for several months and was unable to directly manage or protect my personal information, financial information, and personal affairs. My mother was acting on my behalf with a fully executed Power of Attorney. My mother filed a complaint with BNY Mellon, the " partner bank '' that administers XXXX XXXX XXXX accounts. It was my XXXX XXXX XXXX account that had been compromised and my mother was directed by XXXX to file a dispute claim directly with BNY Mellon. The dispute was for numerous transactions which were obviously unauthorized and not made by me as I had no ability to perform transactions during the time period in question, which was from XX/XX/2019 to XX/XX/2019. I did not become able to directly manage my own affairs untilXX/XX/2019. In early XX/XX/XXXX, my mother filed a dispute with BNY Mellon over the phone on my behalf, explaining that the transactions were fraudulent and the result of Identity Theft, home burglary, and extensive thefts of a great deal of my personal effects and property, including my vehicle, my cell phone and computers, my wallet, personal papers, mail, and numerous other personal items. A couple of weeks later, my mother received a letter from BNY Mellon dba XXXX XXXX XXXX which was dated XX/XX/2019, and stated that the dispute claim had been denied based on the investigation determination being that the transactions had been found to be authorized, which is absolutely not true. The letter did not offer any explanation as to how the investigation came to this determination or what information was used to ( erroneously ) support such a determination. About a week after receiving the denial of claim letter, we sent a letter requesting reconsideration based on our adamant assertion that none of the disputed transactions were in any way authorized and that the perpetrator of the thefts and identity theft crimes against me was not acting with my knowledge or consent. This letter was sent by mail to BNY Mellon dba XXXX XXXX XXXX to a XXXX, Delaware address. BNY MellonXXXX XXXX XXXX never acknowledged receipt of this letter nor was a response ever received. When I was able to personally and directly manage my affairs again beginning XX/XX/2019, I contacted BNY MellonXXXX XXXX XXXX by phone and inquired about the letter we had sent. I was told they had no record of having received the letter. I explained the situation and the issues that we had been having, and was told to submit an Appeal addressed to the same address as the previous unacknowledged letter, but was given the option to fax my documentation instead. On XX/XX/2019, after conducting my own independent and extensive review, audit, and investigation into all of my personal accounts with regard to the crimes that had taken place against me while I was incapacitated, I faxed to BNY MellonXXXX XXXX XXXX a detailed written narrative, along with copies of reports of Identity Theft that had been filed with the FTC, property and financial information theft that had been filed with local police, information related to the suspect and his presumed accomplices, and an itemized list of all unauthorized and fraudulent transactions that had been made against my XXXX XXXX XXXX account without my express or implied knowledge or consent. I received a confirmation that the fax had successfully and completely transmitted to the given fax number. The next day, I contacted XXXX XXXX customer service to confirm their receipt of the fax, and was told that it had been received and would be reviewed soon. It has been over two weeks and I have not received any communications from XXXX XXXX regarding this appeal. I have contacted XXXX XXXX customer services on numerous occasions since faxing this very comprehensive information and documentation, and have not been able to receive any definitive responses regarding the status of this issue. Every time I contact the only number I have for XXXX XXXX, I reach a customer service representative who tells me that the Fraud Department is handling the matter and that there is no resolution as of yet. The representatives with whom I have spoken on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, each have told me that they can not connect me to the Fraud Department, that there is no direct number to reach the Fraud Department, and even they are unable to reach the Fraud Department except by email. On each of those dates, the representatives with whom I spoke each told me that they would send an email to the Fraud Department requesting that someone in that department reach out to me right away, same day, to discuss my appeal, the current status, the expected date of resolution, and what is causing the excessive delays. I have NEVER received a call from the Fraud Department. It has been well over two weeks since I submitted my appeal, and it has been over three months since this entire nightmare began. I want an immediate resolution to this matter, and I want my stolen money returned without further delay. My car has now been repossessed because of my inability to pay my obligations due to XXXXBNY Card Services engaging in bad faith, unethical and deceptive trade practices.
09/11/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	GA 30294	Web
BNY Mellon is the " processor '' for Visa Cardholder disputes. They received the Claim from XXXX 's XXXX XXXX XXXX ( XXXX ) on or around XX/XX/XXXX for processing. They have received other supporting documents including a police report, detailing the claim of fraud and the extenuating circumstances causing the claim to qualify for an extension of the 60 day notification timeframe as the nature of the transaction itself prevented compliance with the timeframe. They have contacted both XXXX and XXXX XXXX ( XXXX XXXX Issuers involved in the transaction ) to agree on the unlawful denial of my claims without offering me an official determination letter with a signature and contact information, and they have not commented on the fact that they are allowed to extend the timeframe, but offer no reason as to why they refuse to extend it considering the extenuating circumstance. They have also unlawfully denied my claim of fraud despite the documentary evidence that shows dishonest and misleading statements were used to obtain this {$17000.00} from these accounts. They have not presented anything that lawfully negates the claim of fraud other than their own personal opinions as my card does not have to be lost or stolen for me to file a valid dispute. I have sent an Affidavit to XXXX XXXX as follows : I, XXXX XXXX XXXX [ XXXX ], hereafter referred to as the " Affiant, having firsthand knowledge of the facts stated herein, and being competent in mind and body to testify, declare and affirm that the facts stated herein are true, correct, and complete in all material fact, not misrepresented and made under the penalties of perjury of the laws of The United States of America and The State of Georgia. Affiant submitted, to XXXX XXXX XXXX XXXX, hereafter referred to as XXXX, a Cardholder Dispute Form for chargeback/credit due to a fraudulent transaction with a Merchant, XXXX, hereafter referred to as the Merchant, on XX/XX/XXXX, for the development of a technology product, hereafter referred to as the application. 1. Affiant submitted a Cardholder Dispute Form according to the lawful justifications for disputing a transaction, which included two selections : a. Non-Receipt of Merchandise : Merchandise not received, Merchant unwilling or unable to provide service, even after attempting to resolve the dispute. b. Quality of services or goods dispute. ( Exhibit A, pg. 1-4 ). 2. Documentary evidence showing proof of these justifications were attached to the dispute form. Which included a wealth of documents to show that the merchandise was not received, and that the application product itself was defective as it did not meet the specifications of the Service Agreement, and he application was unsuitable for my needs, offering no benefit to me whatsoever. ( Exhibit A, pg. 6-28 ) 3. The dispute form was transmitted to Visa processor, BNY Mellon, hereafter referred to as BNY, for processing the chargeback/credit. 4. A representative of BNY, XXXX XXXX, Senior Dispute Analyst, communicated information from a misleading VISA Disclosure Statement which says we must hear from you no later than sixty days after we sent you the first statement on which the problem or error appeared. When Federal Regulation states that if the Affiant did not lose the card or PIN, and extenuating circumstances that prevented me from notifying the bank within the timeframe allowed did occur, the dispute notification period must be extended. The law does not stipulate what the extenuating circumstance must be. ( Exhibit B ) 5. XXXX XXXX, of BNY, was notified that the regulation allows for the notification period to be extended ( indefinitely ) when certain extenuating circumstances exist. Evidence was provided to detail the applicable extenuating circumstance, as the nature of the service provided, offered no feasible way to attempt a resolution, as the law requires, within the timeframe of 60 days. ( Exhibit C & Attachment 3 & 7 of Exhibit A, pg. 11-12, and pg. 28 respectively ) 6. The law states that fraudulent activity is to be construed as anything misleading or dishonest which results in financial loss. Documentary evidence was provided to demonstrate where the Merchant maintained misleading and dishonest statements to receive multiple payments from me, resulting in my complete financial loss, in the total amount of {$17000.00}, while using VISA debit cards. ( Exhibit A, Attachment 4, pg. 12-17 ) 7. XXXX XXXX did not make an official determination, nor was I sent any officially signed determination letter, as required by law, from any BNY or XXXX representative within the 10-day investigation period allowed by Federal regulation. XXXX & BNY have failed to lawfully and officially investigate, conclude, determine, and/or settle the dispute, despite evidence of extenuating circumstances which lawfully validate the claim for the allowance of refunded debits, or credit to be applied to the accounts in question.
11/07/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	TX 75034	Web	Servicemember
We ( My Wife ( XXXX XXXX ) & I ) were notified that we were able to monetize shares we had with our Timeshare Membership about 4 weeks ago because the XXXX XXXX XXXX was going Public which we found out just within the last 4 weeks. XXXX XXXX XXXX ( XXXX XXXX XXXX de XXXX XXXX Client representative which is Bank of NY Mellon ( XXXX XXXX Senior Investment Banker ) just stated that they sent two correspondences mailed to our home over the last two years which we did not receive. Once we received notification about our shares from XXXX XXXX of XXXX XXXX XXXX XXXX. and they could be monetized, we let XXXX XXXX XXXX XXXX. monetize them which supposedly they completed a week ago. XXXX XXXX stated that we did not have to put money out and we would have to pay 2.48 % after we received our transfer of the initial 89 Shares which turned to 199 shares total. XXXX XXXX tried to say we only had 89 and that we donated 110 of them but we did not do such a thing. Supposedly XXXX XXXX stated that he would file a letter to the XXXX to see if BNY Mellon Bank ( XXXX XXXX ) could validate that we donated the 110 shares and if not then they would have to paid out the total of 199 Shares. We opened the supposedly Basic Liquidity Account ( 5 % down of the 89 Shares ) which was a Wire Transfer from us for {$8200.00} to a BNY Mellon Bank and I received a Login and Temporary Password showing our initial wire transfer amount. Then I saw the first shares amount go into the account of 45 Shares which carried our amount of {$83000.00} plus the initial wire of {$8200.00}. Then we needed to Wire Transfer another 5 % of the XXXX XXXX which was {$10000.00} to make a complete 5 % of the total XXXX shares. Now supposedly this was in our account with the account number they provided and login to see our funds. We gradually saw the entire amount of {$380000.00} in our account which we found our that all of the shares and the amount was false and that the representative for BNY Mellon Bank of New York was fake and the Brokerage Firm show that they are registered as a business in New York and active. Also I had to send them a copy of my driving license or other Government ID which I sent a copy of my Driving License and my Social Security of course was on the Application for the Basic Liquidity Account. I just found out on XX/XX/XXXX that I needed to file a XXXX XXXX, so I did that so it could be reported and I could get a XXXX Number and then send the report to Bank of NY Mellon ( XXXX XXXX ) so I can get our funds transferred to our XXXX XXXX from the XXXX BanXXXX XXXX XXXX XXXX. It all seemed that everything was on the up and up until things like their website went down for a week and then back up with a slight different domain for the website to check our supposedly account we sent two wire transfers to open the Basic Liquidity Account ( which was 5 % of the total amount of worth for the shares {$1800.00} per share and we had 199 shares supposedly ). After the shares were monetized by their words, we would be able to transfer for which then the BNY Representative ( XXXX XXXX ) informed me that I had to complete a IRS Form XXXX and get approval from IRS so he could transfer the funds. He also stated that I needed to do a form for XXXX, XXXX and XXXX and XXXX. I consulted a XXXX and asked them was this true and they informed me that I only had to file for XXXX ( XXXX ) prior to XX/XX/XXXX Tax Filing. I knew nothing about the Shares prior to about 4 weeks ago. I called my timeshare vacation and received a " Book Entry Number '' which now I find out that that was staged also by the Brokerage Firm ( XXXX XXXX XXXX XXXX. - XXXX XXXX and XXXX XXXX ). I finally reached out to a contact at BNY Mellon Bank of NY and they have no employee by the name of XXXX XXXX. I also found recently from a friend that sent me two articles on scams ( FBI and XXXX ) like this and one of the articles had XXXX XXXX 's name mentioned of XXXX XXXX XXXX. Summation : They sent us a request of a Wire Transfer representing as BNY Mellon Bank of NY to open a Basic Liquidity Account ( 5 % Down just to open the account for monetizing of funds of XXXX Shares ). It was an account of BNY but not a direct BNY Account of representation. It was setup as a pass-through therefore acting in behalf of BNY which was fake. They staged an account with Login and Password but recently we found out that it was a fake account to us, not BNY Employees and therefore we filed with the FBI and FTC. Will also file with the State of Texas Attorney General and XXXX Police as directed by the XXXX XXXX. Below was a direct link to get to our supposedly account of BNY. After 2 weeks, the website went down and they provided another complete domain which is listed in the second domain below and also that went down one week later. www.BnyPrivateInvestment.com www.privateinvestmentbny.net
05/04/2023	Yes	Money transfer, virtual currency, or money service Foreign currency exchange	Confusing or missing disclosures	XXXXX	Web
INFORMATION LETTER regarding the return of funds on an unexecuted money transfer. On XXXX, we, XXXX XXXX XXXX XXXX XXXX ( hereinafter referred to as the Payer ), sent to XXXX XXXX XXXX XXXX XXXX XXXX ( hereinafter XXXX XXXX XXXX ) a payment order bank transfer request XXXX dated XXXX XXXX, XXXX to transfer the funds in the amount of USD XXXX from Payer 's account XXXX to the recipient XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX to the XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX According to the information provided by XXXX XXXX XXXX, this payment order was transmitted for execution to your intermediary bank, The Bank of New York Mellon ( BONY ), which is the principal dollar correspondent bank of XXXX XXXX XXXX and our funds were transferred to your ( BONY ) account. On XXXX XXXX, XXXX, your bank The Bank of New York Mellon ( BONY ) sent a request to XXXX XXXX XXXX for providing additional details about the Payer, and the said details were provided in full on XXXX XXXX, XXXX, by XXXX XXXX XXXX to your BONY Bank via the SWIFT system. Despite the provision of the requested information, the payment has remained in your BONY Bank. No further messages were received from your BONY Bank. On XXXX XXXX, XXXX XXXX XXXX XXXX reported on its inclusion in the U.S. sanctions lists. Since our money did not reach the recipient, we decided to cancel the money transfer operation and demanded the return of our funds from XXXX XXXXXXXX XXXX According to the response of XXXX XXXXXXXX XXXX dated XXXX XXXX, XXXX and the response of BONY, your bank The Bank of New York Mellon ( BONY ) is still keeping hold of our funds in the amount of XXXX intended for the recipient XXXX XXXX XXXX and XXXXXXXX XXXXXXXX XXXX XXXX to the XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No responses to the further requests from XXXX XXXXXXXX XXXX to your BONY Bank have been reported. Please note that we ( the Payer ) are not included in the U.S. sanctions lists, there are no special related requirements or restrictions stipulated by the laws of any country, including the U.S. We have not committed any illegal actions ; with the above payment order we have paid for goods, the circulation of which is not restricted or prohibited. Our transactions were also in compliance with legal requirements. The XXXX XXXX XXXX has provided you with detailed related information. We are understanding about the situation, and in this regard we kindly ask you to return to us ( XXXX XXXX ) our funds in the amount of USD XXXX by transferring the amount to our bank account at XXXX XXXXXXXX XXXX or , if necessary, at another bank that is not included in the sanctions list. The failure to get our money funds back shall have a negative impact on the company and ordinary public, as we can not provide them with necessary items of goods because of lack of funds for purchasing thereof. Taking into consideration standards of international law, we as the legal owner of the said funds in the amount of USD XXXX have decided to refuse to transfer the funds to the recipient and return the said amount to us, and therefore WE HEREBY REQUEST : To return to us XXXX XXXX XXXX XXXX money funds in the amount of USD XXXX transferred from the account XXXX under the bank transfer request XXXX dated XXXX XXXX, XXXX and intended for the recipient - XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX to the XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The specified funds should be returned either to the bank account of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or to an account in another XXXX XXXX XXXX XXXXXXXX XXXX as may be agreed with us. Please do not hesitate to contact us by email : XXXX, and by phone : XXXX ( XXXX ) XXXX, XXXX. On XXXX, we, XXXX XXXX XXXX XXXX XXXX XXXX to the adress your bank The Bank of New York Mellon ( BONY ) sent to XXXX XXXX XXXX XXXX XXXX XXXX LETTER to return transfer the funds in the amount of USD XXXX from Payer 's account XXXX a payment order bank transfer request XXXX dated XXXX XXXX, XXXX to the recipient XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX to the XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To date, no response has been received to this letter ( on XX/XX/XXXX ), in this connection, please inform, when will you be able to transfer the specified money to XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. Bank transfer request XXXX. XXXX. SWIFT message ( attachment to Bank transfer request 3 ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with The Bank of New York Mellon ( BONY ) THE BANK DOES NOT RESPOND TO OUR MESSAGES!!!! HELP US TO RETURN OUR MONEY, PLEASE!!! Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/16/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CT 06108	Web
Pertinent facts : XXXX XXXX XXXX represents XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is the widow of XXXX and mother of XXXX. In XXXX XXXX and XXXX entered into a mortgage agreement with XXXX XXXX XXXX which on it's face was predatory with a 10 % interest rate. Claim 1. XXXX XXXX XXXX was at the heart of of the largest predatory loan scandal in United States History. XXXX settled with many states including Connecticut. Based on XXXX and XXXX 's first payment on their loan was due between XXXX XXXX XXXX and XXXX XXXX XXXX they live in the property that serves as security for the mortgage, they owe 75 % or more of the current value of their home, and they can afford the new, lower payment under the modification they should have been notified by XXXX or XXXX XXXX XXXXXXXX that they could modify or refinance their loan. They were never notified. Pertinent facts 2 : On XXXX XXXX XXXX XXXX died. 5 months later XXXX 's only daughter XXXXXXXX XXXX unexpectedly. XXXX was awarded custody of her daughter XXXX. XXXX already was caretaker of her XXXX adult son, XXXX XXXX. XXXX was employed by the XXXX XXXX XXXX for 35 years. She retired at the age of XXXX. XXXX and XXXX successfully paid all payments between XX/XX/XXXX until XX/XX/XXXX for an estimated total of {$110000.00}, {$38000.00} over the principle of the loan. XXXX was made aware of a " balloon '' payment '' and began contacting XXXX XXXX to refinance or modify. All requests were denied. XXXX XXXX pointed the finger at BNY Mellon for the denials.We contacted BNY Mellon originally denied any record of the loan in XXXX via BNY Mellon employee XXXX XXXX ( XXXX attached ) In the process of trying to get help, we filed a complaint with this agency, in which XXXX XXXX was deceitful in it's response specifically the comments by XXXX XXXX who claimed she returned a message left for her. Upon further investigation, in which we pulled up all incoming and outgoing calls to both phone numbers listed on the account there was no call made by XXXX XXXX. In a recorded conversation with XXXX XXXX employee XXXX XXXX he very clearly stated we were in no danger of being foreclosed on. We expressed to him our desire to return to just making payments, which have been denied since XX/XX/XXXX. He understood. He engaged in a nearly 25 minute conversation with us and explained that since this home equity loan was not in " first place '' we did not have to worry about foreclosure. This proved to be a provable lie. XXXX XXXX associate XXXX XXXX, after foreclosure started stated he " misspoke ''. It is our assertion you do not " misspeak '' for nearly 3 minutes, explaining the steps and reason why we would not be foreclosed on. It is also our assertion that employee XXXX XXXX was deceitful in her reply in trying to cover for the fraudulent statement made by employee XXXX. Claim 3. Negligence. Between XXXX and until XX/XX/XXXX XXXX XXXX left 32 voicemails for " dedicated loan specialists, including but not limited to XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. These messages have been recorded and available for submission. They have intentionally not returned message to drag the period of time out because it is our premise XXXX XXXX and BNY Mellon do not actually want to keep people in their homes. Claim 4. Deceit While we have claimed deceit above we also assert BNY Mellon has engaged in this willfully in conjunction with XXXX XXXX. After originally stating they had no record of the loan in XXXX, while not saying they " own '' the loan they emailed us stating XXXX, as the servicer of the loan was the only one who could offer a modification. XXXX claims on BNY Mellon can approve a modification. This has gone back and forth for months with no resolution. Both agencies have engaged in secondary fraud for financial gain by " stringing us along '' and adding fees and charges to the loan. There is clear and provable negligence and deceit on behalf of the employees of XXXX XXXX and BNY Mellon. Both companies engage in fraudulent statements for financial benefits. Claim 5. Negligence 2 XXXX Does not show BNY Mellon as an investor or " owner '' or Trustee. Number XXXX XXXX XXXX nor BNY Mellon will provide the " chain of custody '' documents showing who or when BNY Mellon because " Trustee '' The activities of both companies and their employees XXXX XXXX XXXX to be put in counseling and given anti-depressants. The activities of both companies and their employees have caused XXXX XXXX XXXX to be diagnosed with XXXX and XXXX with prescriptions for both. Note : THE AUDIO CLIP OF XXXX XXXX IS AVAILABLE AT CFPB 's request. It has been provided to XXXX XXXX the week of XXXX XXXX XXXX
10/19/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 75204	Web
My name is XXXX XXXX and I am submitting this complaint as a result of a fraudulent transaction that first appeared on my Fidelity Investment Individual Cash Account dated XX/XX/. The amount in question is for {$520.00} and I reported this transaction to Fidelity Investment as fraudulent as on XX/XX/ while on vacation in XXXX. To clarify, I had never authorized any purchase in the amount of {$520.00} while on my vacation in XXXX and reported the transaction as fraudulent to Fidelity immediately after seeing it. I had submitted my claim with an associate on XX/XX/ and was told that this claim would require an investigation taking up to 10 business days. I agreed and waited accordingly. After the 10 business day period, I reached back out to Fidelity for an update regarding my claim and was told by an associate for the " Debit Card Services Team '' that the claim had been denied and that I'd have to submit an appeal to the decision. I was told that I'd need to write a letter to the corporate office to appeal the decision and I went ahead and did exactly that. I submitted a letter to " Attention Fraud Department- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX '' as advised explaining was had taken place regarding the fraudulent transaction and requested that I be refunded for my lost funds. I told by the associate that I had spoken with that day by the name of XXXX that my appeal would take 7-10 business days to process when received and that'd I'd be receiving an update via postal mail or phone call. This 7-10 business day period went by and I received no such update. I called back into Fidelity and was transferred from department after department until I finally got on the phone with a woman named " XXXX '', Fraud Investigation Supervisor at BNY Mellon Treasury Services. She explained to me that BNY Melon is the company that conducts the fraud investigations for Fidelity and that my claim was not actually denied and that there was no need for me to have submitted an appeal. I was frustrated to hear this because I had taken much time out of my day to type this letter and bring it to the post office to be mailed out. XXXX advised that they were just in need of me confirming some information on their part so they can " Substantiate the Claim ''. I provided her with the information she requested from me that day and sent her a copy of the appeal I had mailed out to Fidelity via email. She expressed that she'd process the info I provided her that day and would reach out to me with updates in 7-10 business days. I agreed, but once again, nobody ever reached back out to follow up with me. I called back in to Fidelity several other times after this occasion and was finally led back to XXXX from BNY Melon. I was now told by XXXX that my claim had been denied and that there was nothing further she can do. I asked why my claim was denied and she mentioned that they were " Unable to Substantiate the Claim ''. I asked for more info regarding this response and she mentioned that she'd look into this to see what she can provide and will get back to me. It has been almost 2 months since I've last spoken to XXXX and I still have not gotten any updates as to why my claim was improperly denied. I have sent her several emails and have left numerous voicemails for her, but still receive no response! I've called back into Fidelity on various other occasions after this ordeal and have spoken with other supervisors in the Debit Card Services department by the name of XXXX, XXXX, etc. but still have received no answer as to what is need to substantiate my claim accordingly and receive a refund for the funds that were taken out of my account fraudulently. I have received false promises from Fidelity Investments and BNY Melon regarding call backs and updates, but get no such thing. I have requested proof of a signed receipt and the documents used to come to this conclusion that the claim can not be substantiated from several associates at Fidelity and BNY Melon, including XXXX ( in writing via email ) and XXXX, but have received no such facts in over 2 months. I am requesting that I receive assistance with getting the funds refunded to me that have been taken wrongly in the amount of {$520.00} on XX/XX/.
09/29/2023	Yes	Money transfer, virtual currency, or money service Foreign currency exchange	Confusing or missing disclosures	XXXXX	Web
Applicant : XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX : XXXX Location : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Address for correspondence : XXXX, XXXX, XXXX XXXX XXXX, office XXXX Law firm " XXXX '' for XXXX XXXXXXXX XXXX XXXX : ( XXXX ) XXXX, XXXX E-mail address : XXXXXXXX XXXX XXXX INFORMATION LETTER WITH THE ANSWER FROM OFA regarding the return of funds on an unexecuted money transfer. On XXXX, we, XXXX XXXX XXXX XXXX XXXX ( hereinafter referred to as the Payer ), sent to XXXX XXXX XXXX XXXX XXXX XXXX ( hereinafter XXXX XXXX XXXX ) a payment order bank transfer request 3 dated XXXX XXXX, XXXX to transfer the funds in the amount of USD XXXX from Payer 's account XXXX to the recipient XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to the XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX According to the information provided by XXXX XXXX Bank, this payment order was transmitted for execution to your intermediary bank, The Bank of New York Mellon ( BONY ), which is the principal dollar correspondent bank XXXX XXXX XXXXXXXX XXXX, and our funds were transferred to your ( BONY ) account. On XXXX XXXX, XXXX, The Bank of New York Mellon ( BONY ) sent a request to XXXX XXXXXXXX XXXX for providing additional details about the Payer, and the said details were provided in full on XXXX XXXX, XXXX, by XXXX XXXX Bank to your BONY Bank via the XXXX system. Despite the provision of the requested information, the payment has remained in your BONY Bank. No further messages were received from your BONY Bank. On XXXX XXXX, XXXX XXXX XXXXXXXX XXXX reported on its inclusion in the U.S. sanctions lists. According to the response of XXXX XXXXXXXX XXXX dated XXXX XXXX, XXXX and the response of BONY, your bank The Bank of New York Mellon ( BONY ) is still keeping hold of our funds in the amount of XXXX intended for the recipient XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to the XXXXXXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX We appreciated to XXXX. In reply to our request of XX/XX/XXXX, that XXXX can not locate a record of the funds described in your correspondence as being blocked. Thus, our money transfer is not subject to sanctions and is subject to release and return to us. XXXX in this regard we kindly ask The Bank of New York Mellon to return to us ( XXXX XXXX ) our funds in the amount of USD XXXX by transferring the amount to our bank account at XXXX XXXX XXXX or in XXXX XXXX XXXX ( attached account details ). This bank that is not included in the sanctions list. However, the bank did not send a response to us or XXXX XXXX XXXX Please note that we ( the Payer ) are not included in the U.S. sanctions lists, there are no special related requirements or restrictions stipulated by the laws of any country, including the U.S. We have not committed any illegal actions ; with the above payment order we have paid for goods, the circulation of which is not restricted or prohibited. Our transactions were also in compliance with legal requirements. The XXXX XXXX XXXX has provided you with detailed related information. XXXX confirmed that our payment was blocked illegally Taking into consideration standards of international law, we as the legal owner of the said funds in the amount of USD XXXX have decided to refuse to transfer the funds to the recipient and return the said amount to us, and therefore WE HEREBY REQUEST : XXXX action against the bank The Bank of New York Mellon and return to us ( XXXX XXXX XXXX money funds in the amount of USD XXXX transferred from the account XXXX under the bank transfer request XXXX dated XXXX XXXX, XXXX and intended for the recipient - Suifenhe XXXX XXXX and XXXX XXXX XXXX XXXX to the XXXXXXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX The specified funds should be returned either to the bank account of XXXX XXXXXXXX XXXX ( attached account details. Please do not hesitate to contact us by email : XXXX, and by phone : XXXX ( XXXX ) XXXX, XXXX. Attachments : XXXX. XXXX message from BONY 2. Answer from XXXX HELP ME, PLEASE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Sincerely, General XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
12/31/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	XXXXX	Web
Dear sir / madam, my name is XXXX XXXX XXXX. I address you in connection with payment transaction of XXXX which was made XXXX and is suspended by THE BANK OF NEW YORK MELLON now, please, study full information below. Between XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX of XXXX XXXX XXXX signed XXXX ( works from XXXX ). On the basis of additional agreement No. XXXX of XXXX to contract XXXX. XXXX of XXXX XXXX XXXX XXXX XXXX XXXX which were XXXX XXXX XXXX XXXX XXXX Company were acquired XXXX After sale of securities into the account of XXXX XXXX XXXX XXXX USD came to XXXX XXXX XXXX XXXX XXXX XXXX on the basis of the XXXX of XXXX about return of property under contract No. XXXX of XXXX XXXX XXXX XXXX, XXXX " XXXX XXXX '' from the settlement account in XXXX XXXX I made bank transfer XXXX XXXX XXXX dollars on the current account of XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX with purpose of payment of " Return of property under a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank transfer was stopped in THE BANK OF NEW YORK MELLON, latest status Settlement on Hold. The owner of money at a rate of XXXX USD XXXX XXXX XXXX. XXXX XXXX XXXX isn't included in the XXXX sheet OFAC of the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX isn't. The current account of XXXX XXXX XXXX in XXXX XXXX No. XXXX is used for personal needs of XXXX XXXX XXXX and its family, isn't connected with business. Money of XXXX USD was supposed to be used for personal needs of XXXX XXXX XXXX and its family. XXXX XXXX XXXX XXXX has the license of XXXX of XXXX XXXX XXXX XXXX for implementation of activities for management of securities of XXXX. At XXXX XXXX XXXX XXXX XXXX account No. XXXX in XXXX XXXX is opened. XXXX XXXX XXXX XXXX and XXXX XXXX aren't included in the SDN sheet OFAC of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX According to the inspections which are carried out by the financial institution making a transfer within payment there is no coincidence to one of SDN OFAC. The customer XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), perhaps, was mixed with XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX by which OFAC is guided according to EO XXXX. Please, pay attention that the customer of payment XXXX XXXX XXXX XXXX XXXX ( XXXX ) doesn't fall under sanctions of the USA and the rule OFAC. XXXX XXXX XXXX XXXX XXXX ( XXXX ) isn't controlled by XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX The delay of bank transfer in the sum of XXXX USD on the current account of XXXX XXXX XXXX in XXXX XXXX No. XXXX negatively affects life of XXXX XXXX XXXX and its family, leads to problems in social service and medicine. On XX/XX/2022 XXXX XXXX XXXX sent inquiry to THE BANK OF NEW YORK MELLON to the address : XXXX on which XXXX the answer that I addressed to bank the sender of payment was provided to me. So far the payment wasn't is returned to bank sender, directed further to the recipient. Please, kindly check the current status of this transaction and agree about her direction to the recipient of XXXX XXXX XXXX in XXXX XXXX to allow us to settle this question. Thank you for your understanding and cooperation. Sender 's Reference XXXX Value Date, Currency Code and Amount XXXX Sender : XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX Receiver : XXXX THE BANK OF NEW YORK MELLON NEW YORK, NY US Transaction Reference Number XXXX Bank Operation Code XXXX Value Date, Currency Code and Amount XXXX Ordering Customer-Name & Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX Account With Institution - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary Customer-Name & XXXX XXXX XXXX XXXX XXXX Remittance Information WITHDRAWAL OF PROPERTY FROM THE XXXX XXXX XXXX XXXX XXXX XXXX FROM XXXX VAT Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX Mobile : XXXX XXXX XXXX : XXXX XXXX
05/30/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	DC 200XX	Web
I have a Mortgage from XXXX XXXX XXXX which originated on XX/XX/XXXX. The Deed of Trust ( attached ) was executed on XX/XX/XXXX and was filed and recorded on XX/XX/XXXX in the Official Records of the Washington XXXX DC Recorder of Deeds. On XX/XX/XXXX ( approximately fourteen years later ) an Assignment of Deed of Trust ( attached ), prepared by XXXX XXXX XXXX and executed on XX/XX/XXXX, was filed and recorded in the Official Records of the Washington, DC XXXX of Deeds ( This Assignment of Deed of Trust states : " For Value Received, Mortgage XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX as beneficiary. solely as a nominee for XXXX XXXX XXXX XXXX XXXX, It's successor and assigns ( herein " Assignor '' _, whose address is XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, does hereby grant, assign, transfer and convey unto The Bank of New York Mellon XXXX The Bank of New York , as Trustee for the Certificate holders of XXXX, XXXX XXXX XXXX Mortgage XXXX Trust XXXX ( herein " Assignee '' ), whose address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and its successors and assigns all its right, title and interest in and to a certain Deed of Trust described below Original Trustee : XXXX I. XXXX, XXXX. ). On XX/XX/XXXX Bank of New York Mellon wrote in a response to a Complaint I filed with the Consumer Financial Protection Bureau : Re : Case Number XXXX ; XXXX XXXX ( the Consumer ) and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX the Property ) To whom it may concern : The Bank of New York Mellon XXXX formerly known as The Bank of New York XXXX BNY Mellon XXXX XXXX has completed its research of Case XXXX. Our research shows that the Property secures a mortgage loan ( the Loan ) serviced by XXXX XXXX XXXX XXXX. ( the Master Servicer ) held in XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX ( the Trust ). BNY Mellon acts as the trustee for the Trust but does not service or have the responsibility to service the Loan. The Master Servicer is the party who is required to service the Loan, which includes, among other things, determining whether to modify, or respond to Consumers concerns related to, the Loan. The Master Servicer has advised that any questions concerning its servicing decisions related to the Mortgage Loan be addressed to XXXX and that any written communications be addressed to its Office of the CEO and President, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Please update your records to reflect the XXXX XXXX as the appropriate responsible party to respond to the XXXX concerns. Is the XX/XX/XXXX, Assignment of Deed of Trust prepared by XXXX XXXX XXXX of XXXX XXXX XXXX valid? How can a Trustee ( in this case the law firm of XXXX XXXX. XXXX, XXXX. ) be changed from a traditional Trustee to a bank ( in this case Bank of New York Mellon ) acting as Trustee for the Certificate holders of XXXX XXXX, XXXX Mortgage XXXX XXXX XXXX when that trust closed in XXXX? These issues have been discussed in Congress : SUBCOMMITTEE ON HOUSING AND COMMUNITY OPPORTUNITY, ROBO-SIGNING, CHAIN OF TITLE, LOSS MITIGATION, AND OTHER ISSUES IN MORTGAGE SERVICING, https : XXXX ) ; In the the Media XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX gave sworn statements that the bank lied to homeowners, denied loan modifications for bogus reasons and rewarded employees for sending homeowners to foreclosure. " ). XXXX XXXX XXXX XXXX XXXX XXXX, https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX anXXXX 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 XXXX XXXX XXXX
10/16/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	XXXXX	Web
Originator : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX Value Date : XX/XX/XXXX Amount : {$50000.00} XXXXXXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Senders reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a manufacturing enterprise founded in XXXX and is part of the XXXX XXXX Our main products are preform and cap. It is from them that the most popular plastic packaging in the world is made - a bottle. The plant supplies its products to various large customers, including foreign ones, such as XXXX XXXX To produce products, the plant purchases raw materials, including from foreign suppliers. Our business does not operate in a criminal way, does not receive income from crime, and does not finance terrorism. On XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX XXXX ) and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX signed a contract XXXX. Under the terms of the contract XXXX XXXX XXXX XXXX sells and XXXX XXXX XXXX XXXX buys and accepts the raw materials - polyethylene terephthalate of bottle grade and XXXX raw materials for cap production hereinafter referred to as the goods of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ( XXXX, XXXX XXXX ) and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ) are not companies that are under sanctions. On XX/XX/XXXX XXXX XXXX XXXX XXXX instructed XXXX XXXXXXXX XXXX ( XXXX, XXXX XXXX ) to make a payment in favor of XXXX XXXX XXXX XXXX under contract XXXX dated XX/XX/XXXX to XXXX XXXX XXXX XXXX in the amount of XXXX USD ( Currency payment order No. XXXX dated XX/XX/XXXX ). According to the SWIFT message dated XX/XX/XXXX ( attachment to the transaction on account XXXX dated XX/XX/XXXX in the amount of XXXX USD ), the transfer to XXXX XXXX XXXX XXXX. must be carried out through the correspondent bank - THE BANK OF NEW YORK MELLON. On XX/XX/XXXX, the funds were debited from the account of XXXX XXXX XXXX XXXX XXXX. However, until now, XXXX XXXX XXXX XXXX ( Receiver Bank - XXXX XXXX XXXX XXXX ) has not received the funds, moreover, the funds have not been returned to the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX sent an application to search for a payment to the XXXX XXXX Bank. The specified transfer was returned to THE BANK OF NEW YORK MELLON, and later on XX/XX/XXXX was blocked by THE BANK OF NEW YORK MELLON. On XX/XX/XXXX XXXX XXXX XXXX XXXX applied to XXXX with a request to unblock the blocked transfer of funds. On XX/XX/XXXX, a response was received from XXXX in which XXXX refused to release the payment, stating that said transfer violated XXXX Order XXXX of XX/XX/XXXX, Blocking Property of the Government of XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX, and Prohibiting Certain Transactions With Respect to XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX C.F.R. Part XXXX. The contract between XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX was concluded before the imposition of sanctions against the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are not companies that are under sanctions. Thus, there are no reasons to block funds belonging to the XXXX XXXX XXXX XXXX. In addition, upon a repeated request to unblock the payment, XXXX provided the same information, refusing to issue an unblocking license. Thus, a situation has arisen in which XXXX XXXX XXXX XXXX can not return its money, and therefore we are asking you to help unblock the payment or suggest what to do next.
03/05/2020	Yes	Mortgage Reverse mortgage	Trouble during payment process	FL XXXXX	Web
This has been a complete nightmare dealing with bank of New York Mellon XXXX XXXX formly known as XXXX. I bought my home back in 2005 I am currently still in the home and have gone through bankruptcy, forclosure and complete XXXX XXXX over the way I have been treated, no one is willing to assist us unless I pay huge amount of money to either lawyers or the servicer which has changed hands 5 times since I lived here. I have gone through the modification process which never help me it just put me in a worse financial position and I owe 2 what the home is worth as it stands currently my home is worth XXXX. And they state i owe XXXX. We have gone to court and currently. I lost the first round, which my lawyers have appeal and sale date for my property has been canceled awaiting appellate court and a loss mediation which is in place. After 10+ years I took the time to review my loan documents and discovered signs of robo signing, false appraisal, RESPA violations, fake affidavits of mortgage, rubber stamp of note undated endorsement with improper and illegal collecting practices from XXXX which was one of the servicers. A fictious name of XXXX XXXX XXXX on all my documents, an later I found our that according to the pool and servicing agreement which governs this loan medication was prohibited. I found out that this loan was insured and they got paid off by XXXX several time over. Which also started to make sense when they required me to be 90 days late for assistance. Just in case your not firmly that triggers a payoff to the company for the full amount ( asset back credit default swap ) The only way was to accept terms and conditions which hurt me and my family. Which in the modification paper work is still wrong an names XXXX as the lender I need to bring my concerns to light. But the only way is to sue an no lawyer in Florida would accept a case like this unless I pay 10 of thousand of dollars. Currently I am represented by XXXX XXXX XXXX which understands the underline problem an has done a great job but how far can they take this I had to pick the lesser of two evils simply because of the magnitude of work needed to uncover the truth I have done most of the work myself. Including making a copy of ever singal paper regarding my loan. I can point out everything but dont have a advocate to assist me and the people that say they can I dont trust ( loan audits and scamers ). Its all there in black and white. At first look all looks legal on paper but when I dig into the paperwork I fine criminal misconduct and I cant point the finger at one person. I can upload all my documents but I would rather make an appointment with the CFPB and bring everything even if I have to travel to meet them. I am not a person with limited means I'm not a conspiracy theorist and I am a realist they put me in this position by first waiting close to 3 years to start forclosure procedure they put me into bankruptcy to stay in my home and at the end they will get my property damaged my credit, took my money and left me fight off a deficiency on the property if it goes into short sale. I have already spent close to 25,000 on lawyers. I requested a breakdown of all money owed but they never respond. I also saw my original note and it was not signed just rubber stamped
06/12/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	TX 758XX	Web	Servicemember
a great friend mine that My daughter and I lived with for five years. And was very close with XXXX. He loved me and my daughter a lot. He told me many years before he was going to leave my daughter and I, his assets when god was ready to take him. His health was fairly good at that time. He got XXXX pretty good. Still had to speak through a hole in his throat. Could still walk up and down our stairway XXXX to check on us. We decided to move due to another clos family member was very deadly sick. Not seeing or hearing from our great friend as often as usual within the years. And his death we were never aware of ten years later. By researching myself I also seen he listed me and my daughter as his spouse and adopted child. As I researched more I seen someone has been using my identity and the commissioner allowing this not only that. But refusing me of knowing of my rights and information Pertaining to myself and my daughter of assets and insurance and many other many other things. Removing my identity Information or unlisting me in any way to contact me as in mailing address, email, phone numbers, also Ive seen tampering with my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also stating me unable to read or understand so my benefits would either go to a care taker or someone other than my self or family takes full.care of me and my benefits thats for me. I have something I ran across that has proof of whomever this is changing whats right to something thats very wrong. Ive also seen that someone other than me is selling my property and stock and pretty much taken over everything. Ive tried and tried to contact many of people and ask for help. But of course unable to receive any response back. Of what action I need to take. They also has a way to see what I do on my phone change whatever they need too also Im able to see what apps or websites they have been on or are on, Im able to see this by clicking my home bottom twice and seeing whats open and what they have actually been on and changed. My emails pertaining to my info I try to click on and get info always redirected to something else. I receive certain emails or request info but always redirecting to something else. Im totally clueless what to do next my prepaid accounts also read that there are funds holding due to something not true and from what it looks like to me changing money to however they receive it in another country. Theres also something pertaining to a breach my info was Involved in witch Im sure thats all unthrue also. Im owed from past taxes Im unable to receive. I received emails of deposits of banks accounts I closed a whole back. XXXX is the one prepaid thats holding and Im unable to receive the steps I need to take next ..other companies involved are Cfpd, HUD housing , energy company, water works, treasury department XXXX TxDMV, human Heath services , rail road retirement, teachers retirement, tax department of insurance, veterans affairs, Ssi, White House , grants or benefits Dept, Estate rental or sales Dept. Tax Dept, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX login .gov identity theift, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, stock and exchange, irs,
10/04/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	GA 30294	Web
BNY Mellon/XXXX XXXX was properly notified of a dispute regarding a contract for a product/asset that became collateral on a security interest when I initiated/authorized ( held to ensure future payment ) a transfer in the amount of {$6000.00}. ( Contract & evidence provided ). The merchant did not perform on the contract so I have requested BNY Mellon to reverse/void the transfer. ( Pages 1-6 ) This exhibit is an examination of the Debit Card Agreement and Disclosure Statement Terms and Conditions for my Visa Debit Card Account provides that BNY Mellon is responsible for the Administration of the Debit Card Service for said account, via XXXX Bank , a national, or any successor bank. The terms and conditions also show me exactly what Federal Regulations and Statutory laws apply to the governing of the contract. The contract tells me that I need to report my disputes within 60 days, unless I have a good reason for that time to be extended. It says the timeframe will be extended. The contract also makes a shaky attempt to make me liable for losses that the FDIC is responsible for, but loss must be placed with the proper entity based on the laws of Equity. I will not be held responsible for any loss that is insured. It can not be shifted through contract agreement and must be amended. I reserve all my rights. Especially to those related to the value of the Equity I have secured interest in. ( Page 7 ) This exhibit is a letter that was sent to me from an ambiguous party called " Card Services '' in an unofficial attempt to notify me of a determination for a dispute that was never investigated. The notations indicate the issues taken with the entire letter, including its contents and lack of signature. ( page 8 ) This exhibit shows my complaint with the Office of the Comptroller of Currencies for reference only. The complaint is being resubmitted with these details. ( pages 9-11 ) This exhibit shows the currently posted procedures for the payment processor the Merchant used in this transaction. I did not employ any processor service, I simply used the method of payment provided to me. The obvious way to resolve my dispute is to complete the chargeback process with the payment processor as their guidelines clearly allow for the bank to execute its duty to service my account as stipulated in my Debit Card Agreement. ( page 12 ) This exhibit is an unofficial description of the Visa Claims Resolution process. It is simple enough to comprehend. ( pages 13-14 ) This exhibit shows the applicable statutory law governing the Debit Card Agreement in the Commonwealth of Pennsylvania. They clearly stipulate that this transaction can be voided. Further explanation is provided on the exhibit. ( pages 15-16 ) This exhibit shows the chargeback process for the Merchant which BNY Mellon never initiated to gather any evidence from the Merchant. ( pages 17-25 ) This exhibit shows the email exchange I had with XXXX XXXX , Sr. Dispute Analyst, who completely failed/refused to provide the requested service to my account. I advised her several times that my request is within the regulations, yes she has regurgitated the same invalid response repeatedly.
09/18/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NY 10036	Web
1. On XXXX, I was admitted to the hospital for XXXX and respiratory distress. I was discharged XX/XX/XXXX. 2. On XX/XX/XXXX, I was readmitted to the hospital for XXXX and XXXX XXXX as a result of the damage XXXX caused to my XXXX. I was discharged on XXXX. 3. On XXXX, XXXX XXXX was notified of fraudulent and unauthorized transactions via phone. I was informed a representative would reach out for additional information. I requested contact via email to arrange time to speak. 4. XX/XX/XXXX, I had not heard from a representative and followed up with BNY Mellon regarding the aforementioned fraudulent activity. 5. XX/XX/XXXX, I made a 2nd follow up regarding the fraudulent/unauthorized transactions. I was told an agent had attempted to reach me via phone twice. BNY Mellon representative could not provide a direct number for the fraud department, so she submitted a request for the fraud department to call me again. I indicated if they could not reach me, then to send an email to arrange a time speak. 6. XX/XX/XXXX, per the card holder agreement, I submitted the fraudulent activity to BNY Mellon in writing with all unauthorized transaction highlighted. BNY Mellon received the documents XX/XX/XXXX ( see attached letter and proof of mailing ). 7. XX/XX/XXXX, per the card holder agreement, I resubmitted the fraudulent activity to BNY Mellon in writing with all unauthorized transaction highlighted. The letter provided my email as a form of contact, so we could setup a time to speak. ( see attached letter and proof of mailing ). 8. XX/XX/XXXX, I received a letter from BNY Mellon dated XX/XX/XXXX indicating they could not reach me via phone and therefore closed my case. The letter provided the agents phone number. ( see attached letter ). 9. XX/XX/XXXX, I called the agents number listed on the letter received 7 times and left numerous voicemails. I also called the BNY Mellon number listed on terms of agreement and requested fraud claim be reopened and for another call back. I then researched other corporate numbers for BNY Mellon and made numerous calls to regarding this fraud. See phone records attached. 10. XX/XX/XXXX, increasingly frustrated I could not get in touch with a fraud representative, I sent a letter regarding the fraudulent/unauthorized activity and demanded an investigation. This letter was sent to the address indicated in the terms and agreement. The letter detailed my numerous attempts to reach out. ( See attached FedEx label/Receipt ) 11. XX/XX/XXXX, I also sent a copy of letter mentioned above to the return address on the letter received XX/XX/XXXX. 12. XXXX, I was readmitted to the hospital to due to continued respiratory distress and other issues stemming from Covid-19. I have been in and out the hospital numerous times since and continue to struggle with breathing/everyday activity. In conclusion, I went above and beyond to speak with a representative and resolve these claims. All necessary documentation was submitted in writing numerous times with various ways to reach me. At no point was a proper investigation conducted, which is in violation of federal law.
01/26/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 90275	Web
On XX/XX/XXXX, I noticed that there was fraud on my XXXX online account- XXXX XXXX to be more specific. I had accidentally attached my XXXX debit card to that account and there were 10 transactions that were 100 % fraudulent. These orders were picked up at several different XXXX locations in Ohio over a 2- week period. I live in California and was not present in Ohio during these 2 weeks. I called both XXXX and XXXX to report the fraud. I cancelled my debit card, got a new one, and informed them about what happened. I was informed that more than 10 purchases had been blocked by XXXX. However, I was never informed about any of these. I know for a fact that they have my email because I have a XXXX portfolio that contains thousands of dollars in stocks and I receive monthly statements by email. Here is a list of these fraudulent purchases, dates, and order numbers : {$140.00}. XXXX XX/XX/XXXX - order number XXXX {$210.00} XX/XX/XXXX - XXXX {$170.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$100.00} XXXX XXXX {$96.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX I called XXXX to report the fraud. I called back several times to hear that my fraud claim had been escalated and that I would be contacted about this fraud claim. This was in XXXX of XXXX and I have not heard back as of today, XX/XX/XXXX. The orders were ordered online and picked up in person at these stores in Ohio. I have no idea how these thieves were able to pick up orders without proper identification and yet this happened 10 times. I have spent countless hours on the phone with XXXX, also, and their policy is to never, ever connect a customer directly with the fraud department. I was repeatedly promised that I would be called back by a fraud manager and yet this has not happened. On XX/XX/XXXX I sent a letter of appeal to respond to their XX/XX/XXXX letter saying that my fraud claim had been denied though no reason was given as to why. I was contacted by a fraud manager who left a message on my cell phone on XX/XX/XXXX. I did not get this message right away, then I received the denial letter days later. I have called back multiple times but I get an answering machine and never receive a call back. I have left at least 3 messages and called XXXX about 7 times total. I have contacted XXXX 4 or 5 times total. During my calls with XXXX, I found out the my claim was denied because I did not call back. When I talked to XXXX they said that no one from XXXX had contacted them about this claim according to their records. XXXX customer service told me that they had denied the claim simply because I did not call back, not because they proved that this was not fraud. This is clearly fraud. Now no one from either XXXX or XXXX will call me back and both companies refuse to let me speak to anyone who can actually help me. It is XXXX 's policy to never let a customer contact a fraud manager directly and then they never call back. I have lost {$1600.00} and I am being treated unfairly. Please help me. Thank you.
03/13/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	VA 22191	Web
XX/XX/XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, DE XXXX Bank of NY, Mellon XXXX XXXX XXXX XXXX XXXX, NY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. This letter addresses the deceit and re-modification denial by XXXX XXXX XXXX, XXXX. We filed a complaint with Consumer Financial Protection Bureau on XX/XX/XXXX against XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX reached out on XX/XX/XXXX and a request for a re-modification of our HELOC was requested. All requested paper was submitted in a timely manner. Received a call from XXXX XXXX XXXX on XX/XX/XXXX informing us that our re-modification was denied. We requested an appeal and was denied, the reason being the Investor would not approve the re-modification. We were informed the Bank of NY ; Mellon was the investor. We tried contacting Bank of NY, Mellon on XX/XX/XXXX at three different numbers, a recording informed us to send regarding our issue ( we were unable to speak to a live person ) An email was sent, and a response was received that they had no control over any approval decisions that was XXXX XXXX XXXX, XXXX. decision alone. ( see attached ) For the past 15 years we have made interest only payments with no portion going towards to the principle, on time every month. The paperwork also state that we were not eligible because the maturity date was past due. We tried to re-modify back in XXXX but did not receive the proper information or any paperwork. We feel XXXX XXXX XXXX, XXXX. is being extremely deceitful, deceptive, mis-leading and misguiding. XXXX XXXX XXXX, XXXX. and Bank of NY, Mellon are pointing the finger at each other and no one is taking responsibility to try and resolve our issue. XXXX XXXX XXXX, XXXX.s accusation that Bank of NY, Mellon did not approve the re-modification XXXX XXXX XXXX, XXXX. states they did not investigate any other programs that we may be qualified for. This means we are where we started with no re-modification, threats of foreclosure and credit defamation if we do not pay the full amount of the HELOC by XX/XX/XXXX. According to the reply we received from XXXX XXXX XXXX, XXXX. any payments made will be accepted but will not stop the process We feel very strongly that our experience, with XXXX XXXX XXXX XXXX, XXXX. has been malicious and not helpful. Their communication skills and customer services are simply unacceptable. My husband and I would really like to re-modify this loan so that we may start paying into the principal and eventually pay it off. Our goal is still simply to get this loan settled, so that we will still be able to live in the house that we have tried so hard to maintain for our family. If you need any additional information, please feel free to contact us at ( XXXX ) XXXX, ( XXXX ) XXXX, or email XXXX. Thank you again for your time and consideration. Mr. XXXX XXXX Mrs. XXXX XXXX
09/13/2022	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	NH 038XX	Web
Company : BNY Mellon Trust of Delaware Card Services XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX I was the victim of identity theft over a month ago for {$300.00}. There were 3 fraudulent charges placed on my debit card via XXXX XXXX. XXXX XXXX has done virtually nothing to make sure that I was taken care of. Charge 1 : {$110.00} Charge 2 : {$76.00} Charge 3 : {$93.00} On XX/XX/2022, between XXXXXXXX XXXX and XXXXXXXX XXXX, XXXX different orders were placed on my XXXX XXXX account. Each of these orders was shipped to different states in the US ; one in Pennsylvania, one in Texas, and one in California. There were also items on each of the 3 orders that were to be picked up in New Jersey. Residing in New Hampshire, anyone with common sense could immediately see that I did not place these orders. My XXXX XXXX membership was inactive for 2 years prior to these orders as well. BNY Mellon was responsible for investigating this case. They determined that the charges in question are valid. When I called the agent to get an explanation, he provided NO information about the timing of these transactions, the contents, and the delivery addresses of these fraudulent orders. There was also no tracking of the IP address from which these transactions were made, which would clearly show that the orders were not made from a device in my local area. I found it highly inappropriate that this claim was denied in the manner of which it was. I provided ample evidence of each fraudulent order number and delivery address, all of which were located across the country. I even provided the email statement sent from XXXX XXXX stating my membership renewal was fraudulent. I also provided screenshots of each order, with order numbers. Being located in New Hampshire, it is very suspicious that, after almost 2 years of inactivity on my XXXX XXXX account, orders were placed to be delivered in Pennsylvania, Texas, and California in the span of a couple of hours. This is not normal shopping behavior and shouldve been the first area looked at in the prior investigation. BNY Mellon has been extremely uncooperative in this matter. They gave me the option to appeal the denied claim by faxing a letter of intent and other supporting documents. The fax number they gave me was not valid ( XXXX ). I tried 3 different fax machines and all of them did not allow me to send to that number. After not being able to fax my appeal, I called BNY Mellon back. I was told by the agent handling my case to just email my appeal to XXXX. His name is XXXX and has not been helpful at all ( XXXX ext. XXXX ). It has been over a week and I have not heard back from them at all via email or phone. I have followed up twice and have not heard anything regarding my appeal.
03/03/2018	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	PA 19116	Web
My father died as a non-resident alien with an account in the United States. I am the executor of his estate and non-resident probate has been granted in XXXX XXXX, New Jersey. I am a US citizen and resident. There is only one asset to be probated.This money is in an orphaned account at XXXX, XXXX the financial clearinghouse of BNY/Mellon. The money is in cash. It was in a cash account at a brokerage firm that went defunct many years ago which is how it ended up in XXXX. This account is NOT associated with any US business. XXXX had several requirements to release the money NONE of which they would put in writing, all verbal. Once I sent the latest requirement, they came back with two more. One of those I am willing to comply with as it is reasonable. I believe they have no valid reason for the second requirement. This second requirement is that I receive a transfer certificate from the IRS. Please note that the purpose of a transfer certificate is if the money is leaving the country. I am asking for the money to be transferred from my father 's account in New Jersey to his Estate account in Pennsylvania. The IRS will be able to track the money through the EIN of the Estate. Here are the reasons why I think a transfer certificate is not required : 1. On the IRS website, under " Transfer Certificate Filing Requirements for Non-US Citizens, it states " ... A transfer certificate is NOT required for property administered by an executor or administrator appointed, qualified, and acting within the United States. '' 2. XXXX also states that this is required because the assets in the account are over {$60000.00} ( It is about {$120000.00} ). On the IRS website under the same heading it says " If the value of the decedent 's taxable assets in the United States exceeded XXXX '' It refers you to Form XXXX to determine what are " taxable assets in the United States . '' XXXX is taking the position that the physical location of the assets determines that is a taxable asset. That is, that if in the US, it is a US taxable asset. Reading the instructions that is not correct. It breaks down US " taxability '' of assets based on the type asset, not merely physical location in the US. For tax reasons US situated assets include American real estate, personal property, and securites. Exceptions to XXXX " taxability '' include securities that generate portfolio interest and bank accounts not used in connection with a trade or business in the US and insurance proceeds. 3. At this time the only money in the Estate account is the {$5.00} required to open it. There is no money in the Estate until XXXX transfers it. I have complied with all of XXXX requirements but I am not willing to comply with this one without a valid reason.
04/10/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	OR 972XX	Web	Older American
Response to Complaint ID XXXX Submitted XX/XX/XXXX Bank of New York response XX/XX/XXXX Can you please provide : Exact dollar amount : {$4100.00} Reference numbers : Bank of NY has a assigned no reference # to this case Transfer to : Bank of New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX. Routing # : XXXX Transfer from : XXXX XXXX XXXX account of XXXX XXXX Account # : XXXX Tracing number : XXXX. Trace initiated by XXXX XXXX XXXX XX/XX/XXXX Description of complaint below : I initiated an on-line transfer of {$4100.00} from my XXXX XXXX XXXX account to Bank of New York . The full sum of the transfer was to be deposited into their client, XXXX XXXX account. The transfer was initiated XX/XX/XXXX. XXXX XXXX client, who was the intended final recipient of the transfer, manages vacation property and they reported to me that the funds were not received. To this day the property management company has not received the funds. XXXX XXXX XXXX put a trace on the funds and Bank of New York responded they were unable to locate the funds. XXXX XXXX XXXX dropped the claim. I personally called Bank of New York and spoke with the transfer department regarding the transfer that was to be deposited into their clients account. The transfer department confirmed the XXXX XXXX account number used was correct and that {$4100.00} had been deposited into the XXXX XXXX account on XX/XX/XXXX. I was told the money was a bank to bank transfer and therefore the funds can not be returned to me directly. I spoke with the manager of the transfer department and he confirmed record of deposit to the proper account and informed me XXXX XXXX XXXX would need to submit a Letter of Indemnity to move the case forward. XXXX XXXX XXXX escalated the case to their fraud department and I was informed by XXXX XXXX XXXX that the case was once again declined due to Bank of New York not responded to their request to investigate. I have been advised by a financial attorney that I am entitled to a confirmation of deposit of the transferred funds from Bank for New York be sent to my XXXX XXXX XXXX Branch Manager. I called Bank of New York again on XX/XX/XXXX and spoke with the manger of the transfer department, XXXX, a second time requesting a confirmation of deposit be sent to the XXXX branch manager where I have my account. XXXX laughed at me and XXXX laughed at me and stated he found this request highly unusual and that I have no right to any such documentation. I gave him the email of my XXXX branch manager and requested he send documentation of transfer of funds. My branch manger has not received this confirmation as of this time.
04/15/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	IL 61350	Web
XXXX XXXX - Ban k of NY Mellon i s the financial institution that managed my HSA account while I was employed with my employer. I resigned from my employer XXXX XXXX and still had a balance of {$46.00}. However, in XXXX XXXX I noticed that XXXX XXXX had deducted a " maintenance fee '' of {$3.00} in XXXX , XXXX and XXXX XXXX XXXX without my authorization and the company did not notify me. I called XXXX XXXX to complain to the company, only to be given the runaround by two agents. The first agent I spoke with on X/X/XXXX intentionally hung up on me when I kept asking questions about why they were taking out fees. I immediately called back XXXX and wasted another 35 minutes with another agent. I disputed the " maintenance fees '' and requested a refund of {$10.00}. Ten business days later, on XXXX / XXXX / XXXX I called again and was told my request was denied by operations. They claimed there was a minimum {$1000.00} balance and my employer used to pay the maintenance fees. They claimed this fee schedule was sent to me via mail in my Welcome Kit? Although, they have no proof that I was sent this information. I requested the operations denial decision in WRITING and they refused to provide me with this decision in writing. I asked three times, and then I asked to speak with a supervisor, and the XXXX XXXX agent intentionally hung up on me. I called back and spoke with a customer service rep " XXXX '' and I asked to speak with the supervisor again. After 21 minutes on hold, I was finally transferred to supervisor " XXXX . '' I asked again for something in writing via secure online message or hard copy letter regarding the reason for denial of my maintenance fees to be reversed, and she refused. She stated " wet just do n't send letters. We are n't required. '' I also supposedly had a {$.00} " overdrawn '' balance even though it was 0 balance when I spoke with XXXX XXXX on XXXX XXXX XXXX . After much back and forth with XXXX , she continued to refuse to provide me in writing why they denied my refund request of {$10.00} which is my PRE-TAX health savings money. I feel this is a shady operation that needs to be investigated for their dishonest practices, and I want my money back. I told her to close the account because otherwise XXXX XXXX would continue to deduct the " maintenance fees '' from my account even though it had zero balance, and I am not going to continue contributing to the HSA account. I am not satisfied with the way my calls and account were handled, and I would like someone to investigate further.
03/21/2023	Yes	Money transfer, virtual currency, or money service Money order	Lost or stolen money order	SC 29169	Web
They claim they can not accept my negotiable instrument, and failed to return, but are precluded by Public policy HJR-192 and Title 31 of the United States Code Section 5118 ( d ) ( 2 ), and the Fair Debt Practices Act, aka, Consumer Protection Act at 15 USC 1601 and 1693 from demanding payment in any specific coin or currency of the United States . Section ( d ) ( 2 ) of Title 31 USC 1518 states that an obligation governed by gold coin is discharged on payment dollar for dollar, by United States coin or currency that is a legal tender at the time of payment. The narrow view that money is limited to legal tender is rejected under Section 1-201 ( 24 ) of the UCC. It is not limited to United States dollars. See official comments under section 3-104 of the UCC under the definition of money. Bank of New York Mellon Indenture Trustee has failed to perform their duty as fiduciary trustee of the account. I have done a Notorial protest against them and the account for non-acceptance and payment under sections 3-501 and 3-505 ( a ) ( b ) of the UCC, which creates the evidence or presumption of a dishonor. They knowingly or unknowingly become the debtor and myself the creditor by operation of commercial and administrative law. Also worthy of note, if they are going to treat the note as a liability instrument, they have to present it to me for payment, make me chargeable under 3-501 of the UCC, which they have also failed to do. To the extent that they are in dishonor for non-acceptance and non payment by Notorial protest on the administrative side, there has been a discharge of the debt in its entirety under the Fair Debt Collection Practices Act within the 30 day time frame as mandated by law. They have been reported the FCC for Securities fraud and violation of my registered security. I sent Bank of New York Mellon a Money Order/Registered Security/Negotiable Instrument in the amount of {$20000.00} to which they failed to apply to my account and have not returned. They have also failed to report the registered security to their financial books. They have been notified via their Indentured Trustee, and their CFO. They have continued to ignore my registered securities and refuse to properly credit my account. I have also submitted a Billing Error report to them and they are ignoring the Billing Error Dispute and harassing me via email, postal mail and telephone. They are also reporting my account as delinquent to the credit reporting agencies and that is a direct violation of my consumer rights.
04/10/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	MD 208XX	Web	Older American
XXXX : XXXX XXXX released a wire transfer of {XXXX} to privat bank XXXX XXXX, XXXX XXXX XXXX, through bny as corespondent bank. XXXX states that they haven't received the funds until now! the XXXX recipients are in dire need of th ese funds!! the wire confirmation is XXXX. this is a significant amount that i can't replicate to send via other means! please let me know wh y XXXX hasn't received i! if there's a real problem, how can i get the funds ret urned to me? -- -- -Original Message -- -- - From : XXXX XXXX XXXX XXXX To : XXXX Sent : Mon, XX/XX/2022 XXXX pm Subject : Your XXXX XXXX wire transfer confirmation and receipt XXXX XXXX XXXX You've successfully submitted your transaction Please keep this message as your receipt. Wire details Confirmation number XXXX Send to XXXXX XXXXXXXXXXXXX XX ... XXXX From account ( debit account ) EVERYDAY CHECKING ... XXXX Wire currency US Dollar ( USD ) NOTE : This transfer is being sent in USD Send on XX/XX/2022 Deliver by XX/XX/2022 Originator ( sender ) information Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Recipient information Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recipient bank information Bank name XXXX XXXX XXXX Bank country XXXX Bank ID XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following items will be debited from your account : Transfer amount {XXXX} Wire transfer fee {XXXX} Taxes {XXXX} Total USD from account {XXXX} Exchange rate N/A Recipient amount and fees Transfer amount {XXXX} USD Other fees XXXX USD Total for recipient XXXX USD Note : Recipient may receive less due to fees charged by the recipient 's bank and foreign taxes. Availability date XX/XX/2022 -- -- XXXX : why now after i've sen t funds three months in a row? what is the issue? i would like to respond. Se nt from XXXX XXXX Mail : XXXX XXXX On Thursday, XX/XX/2022, XXXX XXXX, XXXX Payments Investigations Inquiries wrote : Hello We received the payment under ref XXXX XXXX however it is pending XXXX review under our inquiry ref XXXX XXXX. a msg has been sent to XXXX XXXX under our ref for further details required. Thank you XXXX -- -- Hello, Details are only acceptable through the Banks and we can not release any information to you. Thanks,, BNY Mellon
11/20/2020	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	XXXXX	Web
I have a letter of proxy dated on 1920 from my Great-grand father, in that letter he had said if his wife does not collect some documents from the Bank of New York, now Mellon Bank New York ( MBNY ), somebody else could claim to the bank the belongings deposited in the bank by XXXX XXXX XXXX with the only condition to present the letter I have mentioned and three pictures of him in a Ranch located in Texas referred by him as his property, in that letter he mentioned that claim could be presented until 100 years in order to collect the documents and his belongings from the bank. I am attaching the original proxy letter and instructions letter with his correspond certificated translation to English language, I also have the pictures and an identification of my Great-grand parent, in case you need to verify the originality and truly existence of the pictures I can fly to deliver it in NY. My great-grand mother, grandparents and parents never attend to these instructions in order to retire the documents. I was asking in the NYMB regarding these properties and due to it is an old issue they suppose that these belongings could be delivered to the NY government by XXXX, recently I was trying to track these information through the NY comptroller web site but I did not find information that exactly match with the information of my Great-grand father, and thats why now I am asking for help in order to request for these properties. I could also attach if you require my XXXX visa copy and my XXXX ID copy. Between the additional documents I have from XXXX XXXX XXXX are his baptismal faith of birth, XXXX identification, and I do not have his death certificate, but I have a letter from the XXXX army where they refer to him as deceased. XXXX XXXX XXXX was a XXXX during the XXXX civil war who fought against the depleted government of the former president XXXX XXXX, as he was in continue combat and sometimes had to hide himself from the enemy, in the Army files are documents certifying this situation and also they mentioned he was hurt in battle but we do not know the exactly form and conditions of his dead, we suppose due to his character of military officer and the times of war are the reasons we can not find an official dead certificate.
02/19/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 21037	Web
I am awaiting a response regarding my mortgage interest payment reported to IRS for XXXX XXXX XXXX and additional information regarding interest from XXXX XXXX XXXX, A Division of XXXX, XXXX on behalf of note owner Bank of New York as of today, XX/XX/XXXX. I received two written letters dated XX/XX/XXXX, See Exhibit # 1 and XX/XX/XXXX, See Exhibit # 2, from XXXX XXXX XXXX, A Division of XXXX, XXXX of XXXX, XXXX on behalf of note owner Bank of New York. These two letters contradict a different set of two letters dated XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX, A Division of XXXX, XXXX of XXXX, MI on behalf of Bank of New York, the noteholder, with both letters stating, " We are working to gather the requested information and will forward it to you as soon as possible. '' Therefore, this is XXXX and I am demanding the answers to the following questions in regard to XXXX # XXXX for property XXXX XXXX XXXX, XXXX, MD XXXX : XXXX. What date that XXXX XXXX XXXX sent the original IRS Form 1098 for XXXX to IRS? 2. What date that XXXX XXXX XXXX sent the corrected IRS Form 1098 for XXXX to IRS? 3. What date that XXXX XXXX XXXX sent the original IRS Form 1099-INT for XXXX to IRS? 4. Where is the Escrow Analysis for the period XX/XX/XXXX to XX/XX/XXXX with all consecutive months? 5. Where are the copies of the IRS Form 4506, IRS Form 4506-T that XXXX XXXX XXXX has on record for me with XXXX, XXXX as the third-party requestor ; XXXX. Where are the copies of the IRS Form 4506, IRS Form 4506-T that XXXX XXXX XXXX has on record for me with XXXX XXXX XXXX as the third-party requestor? 7. What is the name of the contact person at XXXX XXXX XXXX and XXXX, XXXX for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 8. What is the name of the contact person at Bank of New York, the note owner of my mortgage loan for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 9. Where are the copies of any documents with SXXXX XXXX XXXX XXXX XXXX XXXX that I signed giving them the authorization or written consent to release my NPI ( Non-Public Information ), as defined by GLBA, Gramm Lilley Beach Act, to third parties?
12/04/2018	Yes	Checking or savings account Savings account	Problem with a lender or other company charging your account Transaction was not authorized	NY 11561	Web
I invested {$2000.00} to start a Health Savings Account with XXXX XXXX a NY Mellon Bank. On or about XX/XX/XXXX, I noticed strange transactions on my on-line statement. I had used the account on XX/XX/XXXX two times to make a payment totaling {$520.00} to a medical provider. However, the account transcript showed a XX/XX/XXXX withdrawal for {$1900.00}. On XX/XX/XXXX, there was a deposit for {$3500.00}. Again on XX/XX/XXXX, there was another deposit for {$3700.00} ( both marked tax year XXXX. ) On XX/XX/XXXX, the account was debited {$7200.00}. In fact, the XX/XX/XXXX withdrawal of {$7200.00} was payable to XXXX XXXX XXXX. This name is not part of the account ; we have no idea who this is and do not recognize this name as a payee or medical provider. None of these transactions aside from the XX/XX/XXXX {$520.00} withdrawal were done by me or any family member. In fact, on XX/XX/XXXX, I submitted an affidavit of unauthorized/ improper direct pay activity to XXXX XXXX XXXX at XXXX. XXXX XXXX, XXXX, New Jersey, by certified mail. There had been no formal written response as promised. Not hearing from XXXX XXXX, I called several weeks later to a customer service agent, who said they would check. The agent eventually said the investigation was concluded and that somebody had used MY IP address and created a new e-mail account, and accessed my online bank account ... I did not perfectly understand the spoken voice of the agent ; I do not recognize the email nor did I authorize anyone to change the email on file. I was told the account was closed. I challenged the agent on the telephone why a written responseor any responsehad not been sent to me aside from the call we initiated. I have lost {$1400.00}, plus the time accrual of the account, plus the time taken to address this issue.I requested a written responseand satisfaction. On XXXX after many calls and contact with XXXX -NJ, I finally recived a transcript of the so call " Operation Team '' showing were the unauthorized transaction originated, somewhere in California .My money has been stolen. XXXX XXXX either maliciously or carelessly blame me for this unauthorized transaction. Do not open accounts with this bank.
04/07/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	OR 972XX	Web	Older American
I initiated an on-line transfer of {$4100.00} from my XXXX XXXX XXXX account to Bank of New York . The full sum of the transfer was to be deposited into their client, XXXX XXXX account. The transfer was initiated XX/XX/XXXX. XXXX XXXX client, who was the intended final recipient of the transfer, manages vacation property and they reported to me that the funds were not received. To this day the property management company has not received the funds. XXXX XXXX XXXX put a trace on the funds and Bank of New York responded they were unable to locate the funds. XXXX XXXX XXXX dropped the claim. I personally called Bank of New York and spoke with the transfer department regarding the transfer that was to be deposited into their clients account. The transfer department confirmed the XXXX XXXX account number used was correct and that {$4100.00} had been deposited into the XXXX XXXX account on XX/XX/XXXX. I was told the money was a bank to bank transfer and therefore the funds can not be returned to me directly. I spoke with the manager of the transfer department and he confirmed record of deposit to the proper account and informed me XXXX XXXX XXXX would need to submit a Letter of Indemnity to move the case forward. XXXX XXXX XXXX escalated the case to their fraud department and I was informed by XXXX XXXX XXXXXXXX that the case was once again declined due to Bank of New York not responded to their request to investigate. I have been advised by a financial attorney that I am entitled to a confirmation of deposit of the transferred funds from Bank for New York be sent to my XXXX XXXX XXXX Branch Manager. I called Bank of New York again on XX/XX/XXXX and spoke with the manger of the transfer department, XXXX, a second time requesting a confirmation of deposit be sent to the XXXX branch manager where I have my account. XXXX laughed at me and stated he found this request highly unusual and that I have no right to any such documentation. I gave him the email of my XXXX branch manager and requested he send documentation of transfer of funds. My branch manger has not received this confirmation as of this time.
07/18/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 92346	Web
this is the letter that was sent by USPS on XX/XX/XXXX Dear BNY : Mellon : Debit Card Number XXXX XXXX XXXX XXXX Exp XX/XX/XXXX I made the debit card dispute on XX/XX/XXXX five days after XXXX XXXX XXXX XXXX XXXX XXXX said he the debit will be showing up in my debit card account soon. Finally, 17 days later a temporary credit of {$830.00} was sent back to my account. Then on XX/XX/XXXX the {$830.00} was sent back to XXXX XXXX XXXX. Now on XX/XX/XXXX I get a letter stating that I did not sent them a letter explaining my dispute. I was never informed that I was to do that in anyway. As a matter of fact, I gave Fidelity the story my on the telephone when I made the dispute/complaint. This was the complaint I already gave Fidelity. I had an accident on XX/XX/XXXX. I am truly very disappointed in myself, even though I I think the parking lot owner is liable. But that is for a problem with a different agency. After going through numerous auto body shops trying to find the right trustful, at the end my days venture I decided one recommended by The XXXX XXXX XXXX XXXX XXXX XXXX. I thought I should trust them knowing my XXXX is owned by. XXXX. So, the place is called XXXX XXXX XXXX XXXX and the person I talked to was XXXX XXXX and said to myself if XXXX says he is o.k. then he must be o.k. So I Agreed to the down payment of {$830.00} to confirm the appointment to drop off on Monday XX/XX/XXXX. So, when Monday came we said our hellos and he wanted me to sign a paper that says there are dirt stains on all four of my seats. He also wanted a copy of my driver 's license when I said what for he said for insurance reasons in. case my car catches fire while in his shop. I I thought that was suspicious and canceled my appoint and ask to send money back to my Fidelity Money Market Account, He said it will be 3 days until it was show in my account after six days the money still did not show in my account, So now I am reporting this dispute to BNY Mellon Investment Servicing Trust Company and asking that my {$830.00} be returned to my money market account or a check be sent to my home address below.
11/10/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NY 10036	Web
XX/XX/XXXX, per the card holder agreement, I submitted the fraudulent activity to BNY Mellon in writing with all unauthorized transaction highlighted. BNY Mellon received the documents XX/XX/XXXX ( see attached letter and proof of mailing ). XX/XX/XXXX, per the card holder agreement, I resubmitted the fraudulent activity to BNY Mellon in writing with all unauthorized transaction highlighted. The letter provided my email as a form of contact, so we could setup a time to speak. ( see attached letter and proof of mailing ). XX/XX/XXXX, I received a letter from BNY Mellon dated XX/XX/XXXX indicating they could not reach me via phone and therefore closed my case. The letter provided the agents phone number. ( see attached letter ). XX/XX/XXXX, I called the agents number listed on the letter received 7 times and left numerous voicemails. I also called the BNY Mellon number listed on terms of agreement and requested fraud claim be reopened and for another call back. I then researched other corporate numbers for BNY Mellon and made numerous calls to regarding this fraud. See phone records attached. XX/XX/XXXX, increasingly frustrated I could not get in touch with a fraud representative, I sent another letter regarding the fraudulent/unauthorized activity and demanded an investigation. ( See attached XXXX label/Receipt ). I also sent a copy of letter mentioned above to the return address on the letter received XX/XX/XXXX. XX/XX/XXXX, I submitted complaint to CFPB, which included all the unauthorized transactions ( see attached ) XX/XX/XXXX- BNY processed PART of the claim and I was refunded a partial amount XX/XX/XXXX- I informed BNY Mellon that only part of my claim was processed and relisted all transactions for easy reference ( see email attached ). XX/XX/XXXX- BNY Mellon confirmed they were processing the remaining transactions ( see email attached ). XX/XX/XXXX-To date, BNY Mellon has not responded or processed the remaining portion of my claim. My attempts to reach out via email and phone have been ignored. BNY Mellon is in violation of regulation E.
04/07/2023	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	DC 200XX	Web
I have a XXXX loan that originated in XXXX. I have paid plus/minus {$800000.00} since XXXX. The loan is now serviced by XXXX XXXX XXXX. Bank of New York Mellon wrote on XX/XX/XXXX to me and the CFPB the following but did not provided the requested documents that I requested proving that they in fact are the trustee for my loan. " Re : Case Number XXXX ; XXXX XXXX XXXX the Consumer ) and XXXX XXXX XXXX XXXX XXXX, XXXX, DC XXXX XXXX the Property ) To whom it may concern : The Bank of New York Mellon XXXX formerly known as The Bank of New York XXXX BNY Mellon XXXX XXXX has completed its research of Case XXXX. Our research shows that the Property secures a mortgage loan ( the XXXX ) serviced by XXXX XXXX XXXX, XXXX. ( the Master Servicer ) held in XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX ( the Trust ). XXXX XXXX acts as the trustee for the XXXX but does not service or have the authority to service the XXXXoan. The Master Servicer is the party who is required to service the Loan, which includes, among other things, determining whether to modify, or respond to Consumers concerns related to, the Loan. The Master Servicer has advised that any questions concerning its servicing decisions related to the Mortgage Loan be addressed to XXXX and that any written communications be addressed to its Office of the CEO and President, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. Please update your records to reflect the Master Servicer as the appropriate responsible party to respond to the Consumers concerns. I request Bank of New York Mellon to provide documentation of their below statement. I have previously request such documentation and they have not responded. " Our research shows that the Property secures a mortgage loan ( the Loan ) serviced by XXXX XXXX XXXX, XXXX. ( the Master Servicer ) held in XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX ( the Trust ). '' Thank you, XXXX XXXX, XXXX. ( XXXX ) XXXX ( cell )
08/01/2022	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	IN 46628	Web	Older American, Servicemember
In violation of the Fair Debt Collection Practices Act, Attorney XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX filed the attached Notice of Sheriff Sale XX/XX/2022, and caused the same to be served on my wife and I, who hold a deed to the property with stating the Judgment to be satisfied, in violation of the FDCPA. Upon receiving notice of the sheriff 's sale, I immediately contacted XXXX, XXXX XXXX, XXXX and spoke to an employee that identified herself as : XXXX. I explained the Notice XXXX XXXX XXXX did not list the XXXX to be satisfied. She stated she would have that amount emailed to me that day or at the latest the next day, Friday XX/XX/2022. It was never emailed. This violates the FDCPA. Further, for years the mortgage holder servicer ; XXXX XXXX XXXX XXXX, XXXX MORTGAGE SERVICING ; and the mortgage holder : THE BANK OF NEW YORK MELLON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX, ASSET-BACKED CERTIFICATE, SERIES XXXX, has repeatedly failed to comply with federal after we have received written authorization from their client and he also gave verbal authorization to the servicer who gave us a quit claim deed to stand in his shoes to pay off his mortgage so we can clear the stain on the title. 15 U.S. Code 1639g, states : - Requests for payoff amounts of home loan. A creditor or servicer of a home loan shall send an accurate payoff balance within a reasonable time, but in no case more than XXXX business days, after the receipt of a written request for such balance from or on behalf of the borrower. In fact the attorneys for the Bank XXXX New York and its servicer, XXXX, Attorney XXXX XXXX, XXXX XXXX XXXX and Attorney XXXX XXXX, have mislead courts on a material factual matter, to wit : they in fact had the required authorization to provide a payoff letter, whether for use in an assumption or for the Plaintiff to get an outside loan, and made a material misstatement of fact that they could not provide a pay off letter. This violates federal law as shown above.
08/03/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Confusing or missing disclosures	SC 29673	Web
On XX/XX/2023 I mailed a registered security to XXXX XXXX trustee of XXXX XXXX XXXX instructing them to credit the account with the registered security that I properly endorsed per 30 CFR 328.6, to sent security to the treasury for a marketable security and to transfer that marketable security to my treasury direct account that I specified in the instructionals that was sent, that they received on XX/XX/2023 ( tracking # XXXX ). I also instructed XXXX XXXX to credit my account accordingly every month while under this contract. The company never credited my account with the security and coupon that was issued to me. This notice is for past, present, and future securities and coupons while under this contract. If payment is refused, lost, or destroyed there is discharged per UCC 3.603-3.604. I never received a response. I had to find her email and email them and got a response saying " BNY Mellons role as a trustee or paying agent is in the context of certain investments owned by investors and not individual personal debt. BNY Mellon does not service or have authority to service any related debt. The servicer is the party who is required to service all related debt, which includes, among other things, responding to consumer concerns about such debt and any charges or associated fees. " On XX/XX/2023. They claim that this is a personal debt issue when really this is an investor issue. I signed the note and they securitzed it and I am owned interest on them doing this. On XX/XX/2023 I sent out a opportunity to cure saying for XXXX XXXX to please respond back in writing within XXXX business days. If instructions are not completed, I instruct XXXX XXXX to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties and to follow the directions of my 1st letter. They received on XX/XX/2023 and still have not gotten a response nor have they did anything I request in my 1st packet i sent to her.
12/12/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	XXXXX	Web
1- XXXX XXXX XXXX XXXX XXXX authorized by the XXXX XXXX XXXX with firm reference XXXX ) Initiated a XXXX wire transaction of mine by their partner bank XXXX XXXX XXXX as real sender bank ) / XXXXXXXX XXXX ( as senders correspondent bank ) through invalid receivers correspondent Bank ( Bank of New York Mellon-USA ) which is not the formal Beneficiarys correspondent bank for XXXX transactions of my beneficiary bank ( XXXX XXXX XXXX XXXXXXXX XXXX as per my beneficiary bank also as per third party XXXX route tracking service ( XXXX ) and failed to deliver it to my beneficiary bank account with following payment details : XXXX : XXXX Reference # : XXXX Dated : XXXXXXXX Amount : XXXXXXXX XXXX XXXX I asked the Bank of New York Mellon XXXX XXXX XXXX XXXX XXXX ), in its alleged capacity as the beneficiary 's correspondent bank, to show a receipt from the beneficiary 's bank or the next bank to BNY Mellon in the XXXX route that received the transfer from them ( My request was evaded ). 3- Instead of showing the receipt, they asked me to write to the beneficiarys bank and order them to send XXXX messages to BNY Mellon Bank XXXX As a matter of repetition, I sent their request to XXXX XXXX XXXX, which responded that it was not possible to contact them through the XXXX network because they were not their correspondent bank. 4- So, I accuse BNY Mellon bank of misleading justice , causing intentional harm, delaying the arrival of international transfer. Evidences attached with this complain ( XXXX ) including but not limited to the following : XXXX XXXXXXXX - BNY Mellon Bank correspondences with me. XXXX XXXX - XXXX XXXX correspondences with me XXXX XXXX-Third party tracking service-The neglected proper USD GPI route -Payment XXXX status XXXX XXXX - XXXX XXXX statment-XXXXXXXX XXXX XXXXXXXX transaction invoice and XXXX sample
03/17/2022	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30068	Web	Servicemember
XXXX XXXX along with XXXX and XXXX are attempting to collect on a debt/foreclose on subject property ( XXXX XXXX XXXX XXXX XXXX illegally. The first problem, XXXX does not know, nor have they verified the current and rightful owners of the property. Therefore, they are foreclosing in the wrong Homeowners names, while failing to serve the rightful owners of the property, prior to advertising a foreclosure sale. XXXX, XXXX claims to work on behalf of XXXX Bank of New York Mellon ( the alleged creditor ). XXXX and XXXX claims to work as a Power of Attorney for The Bank of New York Mellon on behalf of XXXX. However, XXXX has claimed on several occasion that their firm does not own the property or the loan. Per the Supreme Court of Georgia, only the secured creditor can foreclose. The Bank of New York Mellon is not the secured creditor, nor have they invoked XXXX or XXXX and XXXX to collect a debt. We also had a Licensed Financial Private Investigator cross reference our findings please see attached. XXXX has also instructed our homeowners ' insurance company to discontinue our decade plus old policy. Please see attached. XXXX and XXXX and XXXX are engaging in illegal and fraudulent activity that is causing irreparable harm. We the rightful owners of the subject property have retained legal counsel. XXXX, XXXX refuses to acknowledge or communicate with legal counsel, hired to amicably resolve all matters surrounding the account. XXXX, XXXX in connection with XXXX and XXXX are attempting to sell illegally converted stock instruments, represent entities that have no interest in the subject property, perform an illegal foreclosure, theft by taking personal property, false and misleading representation, ignore homeowners counsel while interfering with their constitutional rights through deception, theft and fraud.
05/03/2016	Yes	Bank account or service Checking account	Using a debit or ATM card	CO 805XX	Web
On XXXX XXXX 2016 I noticed XXXX transactions related to my " Fidelity '' checking that I did not make. The XXXX transactions totaled approximately {$970.00}. I contacted " Fidelity '' and they cancelled my debit card and issued a new one the customer service representative said it would be turned over to their fraud department for investigation. I was advised it would take 10-15 days and a letter would be sent out. I received the letter advising me they determined the charges were valid and were denying my claim. This is XXXX! I was no where near where these charges were made. I 've called the card services number XXXX ext XXXX XXXX ) and my phone calls have gone unanswered. I called the fidelity service and was told that they would have someone call me. The XXXX charges that were processed and that I am disputing areas follows : XXXX # XXXX XXXX, CO {$860.00} XXXX XXXX # XXXX XXXX, Co. {$96.00} XXXX XXXX XXXX # XXXX XXXX, Co {$18.00} XXXX # XXXX ( XXXX ) XXXX, Co {$3.00} I noticed these on my account on XX/XX/XXXX and contacted " Fidelity '' the same day. I do n't just have {$970.00} laying around to pay bills and not sure what their investigation revealed or how they could determine these were valid charges. Their not valid charges and I did n't make them. I 've been trying to contact them so I know what their investigation found. For instance what was the date and time of the transactions, what was purchased at XXXX that cost {$860.00}, what did I purchase at XXXX XXXX for {$3.00} is this for real? Not to mention the XXXX {$96.00}. Then the charge for the XXXX in XXXX, CO for {$18.00} since I 've never eaten at XXXX. Let 's just say I 'm XXXX with Fidelity and will be moving all of my accounts to another financial institution. In the meantime I need to recover the {$970.00} to pay bills.
12/14/2023	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	IL 604XX	Web
I have been fighting foreclosure since XXXX in efforts to save my home. I purchased the home in XXXX from XXXX, they closed and the loan was transferred and is now being serviced by XXXX. Initially the home was puchased with someone, but the relationship ended less than a year later causing the initial hardship due to loss of income in the home. In XXXX we completed a quick claim deed removing his interest in the property. During that time the loan was modified but circumsatances, job loss prevented me from being able to complete it. I am now gainfully employed and could easily afford the mortgage but the arrearage has prevented any positive resolution. Because of how long this has been going on, my loan is in default of about {$100000.00} as of XX/XX/XXXX. There was a program in place called the IL Housing Assistance Fund ( IHAF ) that was offering up to {$60000.00} which I was approved for as long as I could bring the past due down to $ XXXX or less. I found an investor, XXXX XXXX who obtained power of attorney in an attempt to negotiate with XXXX on my behalf. He offered an additional $ XXXX bringing total funds available to $ XXXX to go toward the past due and they would not consider it. I was told that they would not give another modification because over the loan I had maxed out but I learned that there is no maximum amount allowed and they still have over XXXX XXXX dollars provided from the federal government that they are required to use and that they are choosing not to work with consumers. I did not want to lose my home and have exhausted my resources in efforts to resolve this. Since all has been unsuccessful, I am now attempting to resolve this via a short sale agreement that was submitted earlier this month and so far XXXX has not responded.
02/15/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	CA 902XX	Web
Greetings! I hope this message finds you well. I was scammed for a job position/hiring and was sent a check by the company XXXX XXXX purportedly to as a partial budget to purchase equipment/software for the position as was hired in. The check issued was from The Bank Of New York Mellon XXXX, PA in the amount of US {$2400.00} and for deposit to my account in XXXX XXXX. The bank has rejected it and flagged as counterfeit. I don't want the money and I don't want to be accused of fraud. This case has been reported to XXXX XXXX, FDIC, FTC, iC3 FBI, and the California AG. Please help me. Thank you so much! Kindly see below : Thank you for your correspondence, which was received by the FDIC 's Consumer Response Unit. The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since 1933. We are responsible for supervising state-chartered, FDIC-insured institutions that are not members of the Federal Reserve System. Based on our review of your correspondence, the bank you referenced is under the direct supervision of the Consumer Financial Protection Bureau. We are forwarding a copy of your correspondence to this agency at the address below : Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 Website : www.consumerfinance.gov Telephone : XXXX Please direct any future concerns to the Consumer Financial Protection Bureau. Thank you for taking the time to submit your correspondence. Sincerely, Consumer Response Unit National Center for Consumer and Depositor Assistance Federal Deposit Insurance Corporation Telephone : ( XXXX ) XXXX
01/21/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 33139	Web
I am a XXXX XXXX investment client who is partnered with Bank of New York Mellon who provided our debit card and checking account privileges. Over the course of the last three weeks, I've worked within the guidelines afforded to me through the client relations team for processing the disputes/fraud claims as well with my financial advisor for these unauthorized charges to a comprised and closed debit card. I have patiently afforded XXXX XXXX and BNY Mellon it's partner to properly address this serious matter and they've done nothing but overdraw my account and restrict my monies for both my XXXX XXXX accounts as well trying to hold me responsible for debit card charges that they are still putting through as a of a few days ago on a closed card from over a month ago. This is not legal, neither does Visa and Master Card operate under these procedures or policy guidelines. I need someone to HELP address this immediately, they have fraudulently taken over {$3400.00} dollar from a good client that they had absolutely no complaints with. This entire situation is not only troubling, but disturbing in the way it's been handled, creating a relationship that is now irretrievably broken down. I simply want all my monies returned immediately, and have nothing to do with a company who handles business like this. " PRIME EXAMPLE '' WHO WOULD PUT A CHARGE THROUGH FOR OVER {$2000.00} no authorization and say that's legal as well continue to do it? Please call me immediately at XXXX, this was not handle professionally, neither was I ever followed up with. Unauthorized XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX reversed XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
08/05/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	CO 80516	Web
This is a complaint about transactions denied due to insufficient funds, involving BNY Mellon ( d.b.a. XXXX, an XXXX provider ). On XXXX XXXX, 2016, a health care provider ( XXXX XXXX ) attempted to run a charge against my XXXX account via debit card, for more funds than were in the account at the time. The charge was denied, which makes sense. Later that day, I looked at my XXXX account online and found that the " denied '' charge had actually translated to a debit of {$300.00}, which was all the money in the account at the time of the transaction. This transaction number had a unique identifier, Claim # XXXX. Eventually, BNY Mellon/XXXX voided that transaction, and it no longer appears in the customer interface I can see on the web. However, there was a period of approximately six days when this debit remained on the books. I called BNY Mellon/XXXX on XXXX XXXX, 2016, and was told by a customer service representative that this is " normal business ''. I was specifically told that when an XXXX debit card transaction is denied, the funds in the account may be " in limbo '' for 3-5 business days while things are straightened out. I do n't know if this practice is in violation of banking law or not, but it seems like it should be. It sounds to me like BNY Mellon/XXXX is processing debits immediately, but delaying credits for 3-5 business days, and possibly benefiting from interest in the mean time. This is my XXXX complaint about BNY Mellon/XXXX, the first being Case number : XXXX. This particular institution seems to be operating on the fringes of legal behavior. I 'd appreciate it if the CFPB could bring their resources to bear on the problem. Thanks, XXXX XXXX
10/18/2022	Yes	Checking or savings account Checking account	Managing an account Cashing a check	CA 92651	Web
On or about XXXX XXXX, 2022, I requested a disbursement check from XXXX XXXX, in the amount of {$12000.00}. This check was made payable to myself, XXXX XXXX XXXX, and my wife, XXXX XXXX XXXX, Trustees of the XXXX XXXX XXXX. The check was written by XXXX XXXX, on a check made payable from their BNY Mellon account # XXXX, Check # XXXX. On or about XXXX XXXX, 2022, I contacted XXXX our of concern that I had still not received my {$12000.00} check. XXXX informed me that this check had been cashed 2 days earlier by a person named XXXX XXXX. I informed XXXX that this was a fraudulent transaction, and to please take all necessary and immediate steps to make sure this transaction was stopped immediately. On or about this same time, I completed an affidavit for check fraud for BNY Mellon, as requested, and have now been waiting over 120 days for a resolution, and the return of my funds. I have been unable to receive any sort of communication, updates, or resolution from BNY Mellon, because they tell me that I am not the account holder for this BNY Mellon bank account from which the fraud occurred. I am merely the PAYEE. I have been unable to receive any updates from XXXX investments, as they say they are waiting for an update from BNY Mellon. As a consumer, I am caught in an endless loop of NO ANSWERS, and NO ACCOUNTABILITY, and I desperately need help to recover my funds. I believe that BNY Mellon needs to be accountable to me, the PAYEE of a check written from their account, and please reimburse me for the check that they allowed to be fraudulently cashed. I am requesting that they provide me a replacement check in the amount of {$12000.00} on or before XXXX XXXX, 2022.
05/12/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33462	Web
MANIPULATION OF FORECLOSURE AUCTION, FORGED FORECLOSURE PUBLICATIONS AND MALICIOUS OBSTRUCTION OF HOMEOWNER 'S RIGHT TO DUE PROCESS This situation has been a long and exhausting process which originated when the mortgage on the property contained an incorrect legal description. In attempting to foreclose on the property, BNY Mellon intentionally forged the legal description on the Court documents publicizing the auction instead of reforming the mortgage as it is required to do, by law and which resulted in a grossly inadequate bid price. Further, in an effort to settle the matter, I attempted, on multiple occasions, to satisfy the entire foreclosure judgment. BNY Mellon refused to accept full payment and instead accepted almost half of the judgment amount from a known collusive bidder in a grossly faulty foreclosure auction. After BNY Mellon forged Court filed documents to avoid correcting the mortgage, it then maliciously prevented me from satisfying the judgment, retaining the equity in my home, and satisfying the judgment to avoid a completed foreclosure. They also conspired with the auction bidder to prevent my right to due process and hearing of my timely objections to the faulty foreclosure auction. I have raised these issues in a multi-year court battle ; yet BNY Mellon continues to engage in knowingly malicious bad acts. They have admitted their errors in XXXX documents, yet they refuse to take corrective actions. It is unacceptable and must be addressed. It has cost me years of my life, tremendous financial distress and the loss of home in spite of my multiple, assertive efforts to satisfy the full judgment.
08/15/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	WI XXXXX	Web	Servicemember
On XX/XX/2023, a conditional debt payment was transmitted to XXXX XXXX, serving as trustee for XXXX XXXX, on behalf of XXXX XXXX, a juridical entity. Despite clear instructions to direct credit resulting from conversion, redemption, or exchange for a new issue to XXXX XXXX 's account, no action has been taken. As of now, over four months have passed, and despite more than four correspondences sent and received, there has been no communication beyond acknowledging receipt from XXXX XXXX XXXX XXXX XXXX at XXXX XXXX. This inaction contradicts XXXX XXXX 's fiduciary obligations and has caused detrimental effects on XXXX XXXX 's credit profile. Despite being informed of this issue, which includes the issuance of a civil money penalty notice under Section XXXX of the Federal Reserve Act, no resolution has been achieved. Additionally, the recurrent practice of redirecting outstanding balances to short-term debt instruments like commercial paper under XXXX XXXX XXXX XXXX goes against the initial directive and further compounds the problem. In the midst of multiple conversations, only one representative has provided valuable insight, while attempts to engage with higher management have yielded no response. I deeply value our longstanding relationship, but I must emphasize that continued lack of action will necessitate further steps on my part. Given the complexity of the situation, involving transactions like the five special deposits and a conditional payment from XXXX XXXX, I urge XXXX XXXX to urgently address this matter, outline a clear plan of action, and work toward resolution.
11/28/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TN 372XX	Web
On XX/XX/XXXX, I filed a chargeback dispute with my bank XXXX XXXX, for around {$3000.00}, for debit card transactions to XXXX XXXX fraudulently tricked me into believing it was a secure service to secure my assets. Under XX/XX/XXXX changes to Reg E that are documented on CFPB 's website here : https : //www.consumerfinance.govXXXX XXXX XXXX " A consumer who is fraudulently induced into providing account information has not furnished an access device under Regulation E. As explained above in Electronic Fund Transfers Error Resolution : Unauthorized EFTs 3, 4, and 5, EFTs initiated using account access information obtained through fraud or robbery fall within the Regulation E definition of unauthorized EFT. See Comment 1005.2 ( m ) -3. '' " Regulation E sets forth the conditions in which consumers may be held liable for unauthorized transfers, and its commentary expressly states that negligence by the consumer can not be used as the basis for imposing greater liability than is permissible under Regulation E. 12 CFR 1005.6 '' " Similarly, when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E. I contacted the bank on XX/XX/XXXX, and they tried to use a loophole to decline my dispute ( that loophole was closed by the XX/XX/XXXX updates to Reg E ). I am currently pursuing all avenues to hold them accountable. The debit card dispute is from a card offering by BNY Mellon, and they are violating Reg E
10/06/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NJ 07302	Web
Between XXXX and early part of XX/XX/2022, i noticed that my debit card had multiple unauthorized charges that summed up to {$2400.00}. I immediately called my bank XXXXBNY Mellon and reported the issue. My old debit was closed and a new one issued. I was told an investigation will take place and i should get the unauthorized funds returned to my account. However, i was shocked when i checked my mail around XX/XX/2022 and received a letter from Card Services at my bank notifying me they closed the investigation because they had called me once and were unable to get hold of me ( yes one time ). I was told to call the number on the letter ( XXXX x XXXX ) if i had any issues regarding the letter. I have called that number atleast 40 times in the last month and left messages and no one ever returns my calls. I then called card services at my bank to notify them of the situation and i was told to write an appeal and fax it to XXXX. I wrote an appeals letter and faxed it 9 times on different occasions and never heard back from my bank. I then called card services to notify them that it's been 2 months since i filed a dispute and they have been ignoring me. I have spoken to several managers at the call center and they keep ignoring my plea and appeal. The only response they give me is for me to wait and some one will call me one day. It has BEEN OVER 2 months and i feel robbed by my bank. I need my money refunded with interest immediately. By the way i have a fidelity investments trading account and XXXX/BNY Mellon is the bank managing the checking account. WORST BANK EXPERIENCE EVER.
10/29/2020	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	WI 54729	Web	Servicemember
We had an old XXXX account held at Benefit Wallet ( Bank of New York Mellon is the " custodian '' ). The balance was {$.00} and there were no fees owed on the account. I called to have the account closed because we no longer use it. They told me that the balance would be " XXXX out '' after closing the account. I asked if that meant they would electronically transfer the remaining balance to our personal bank and they said " no, it just gets XXXX out ''. Meaning they just keep it! Now while I don't care about my XXXX cents, it does seem wrong that a bank ( who serves thousands of people ) can just keep the remaining balances when a customer chooses to close an account that is in good standing with no fees owed! I asked what would happen if I just let the account sit there with the XXXX cents in it. They said that it would start incurring fees once we are no longer associated with the employer! So they really leave people with no choice! Again, XXXX cents is not worth fighting over. Neither would it be if it was XXXX cents. But in either case, most people would probably do what I did and just say it's not worth fighting over. Now multiply XXXX cents by a XXXX or more and suddenly there is a whole pot of money somewhere in that bank that doesn't really belong to them! How can they do that? I've worked at a bank and never would we be allowed to keep even a XXXX of someone's money when they close an account ( unless there were fees owed on the account ). Every cent needed to be accounted for. So how does this bank account for the money that they 'XXXX ''?????
09/26/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 949XX	Web	Older American
My XXXX friend XXXX home was XXXX by XXXX artillery at the beginning of the XXXX war. She spent a month huddled in the basement with her mother, grandmother, and the family cat. They were taken from the basement at gunpoint, forced into a filtration camp and eventually escaped with the help of a team I assembled. I have periodically wired XXXX money gathered from fundraisers to help her family with their journey. On XX/XX/XXXX I attempted to wire her the last of that money, {$2.00}, XXXX dollars. This is why Im contacting you. Ive had a series of problems with this wire, beginning with my bank, XXXX XXXX, who, for security reasons held up the money until XX/XX/XXXX, releasing it to an intermediary bank, The Bank of New York Mellon. That bank has held up the wire since XX/XX/XXXX, citing their own security issues ( Ive successfully wired money from XXXX XXXX to XXXX multiple times in the past with no such issues ). There is no point in having the wire go through to XXXX at this point, so I have requested XXXX XXXX to have Bank of New York Mellon return the funds to me. BNY Mellon has given no response, and have ignored four requests ( one a week ) from XXXX XXXX for any information. Mellons communication pipeline is impenetrable, even for my own bank. There seems to be no number to call and no human to speak to. There is only some kind of Bat-phone that is never answered. My friend has made it to XXXX with her family, and still desperately needs the money. Thank you for your time, and hopefully, your help,
08/22/2017	Yes	Checking or savings account Checking account	Closing an account Company closed your account	TX 75035	Web
My XXXX account was closed by BNY Mellon because of recent changes to the benefitwallet portal. I had uploaded the receipts based on the transactions that I had and as per the portal, the payout will only happen only when the account is funded which worked as expected in the old portal. For the new portal, they had asked me to re upload the pending receipts that were not paid out which I did. The new portal decided to send me funds that were not available and it failed and resulted in non-sufficient funds fee of XXXX $ and closure of the account. I called up benefit portal and they acknowledged this was an issue with the new portal ( XXXX Employee ID XXXX ). XXXX also mentioned on the call that she was not aware of this change in new portal and stated she is going to open a case and request BNY to do the below : The case number that was opened was XXXX A ) Reinstate my account B ) Reverse the NSF fee C ) Cancel the 12 transactions that were moved from the old portal to the new portal. I had no idea that benefit portal was changed and would work like a checking account based on how the FAQ clearly stated that payout will only happen once funded. My claim was closed by benefitwallet operations director stating lack of evidence and are not willing to help anymore. There was no letter or any sort of communication about the payout procedure. The call records of XXXX will also state that all the employees of benefitwallet are not aware of this change. In lieu of this, I would like my account reinstated and NSF reversed
03/28/2021	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	XXXXX	Web
hello my i am a american citizen living in XXXX i am XXXX and recive my ssa through direct deposit to XXXX here thats routes it thro bny mellon my complaint is about the econaomic impact payment 3rd round the first 2 payments deposited into the account just fine however the 3rd that was due to be deposited the XXXX of XXXX was sent back and now i am waiting for a paper check due to be sent out the XXXX of XXXX and irs represenitive from irs is telling me it takes 9 weeks to get and i can not cash here due to my us dollar account is incoming electronic deposits only my bank is telling me i have to open a us dollar account and processing to cash the check will take 2 months not to mention i have to have XXXX dollars to open the account to cash it the whole ordeal has dug me even a deeper hole not to mention i have XXXX kids born abroad i am not getting impact payments for at all because i havent been able to file certificate of birth abroad to get a social security number because embassy here has been closed due to pandimic i get no benifits of rest of relif package because i dont live in usa food costs have shot thro roof here i was even evicted from my home and forced to move to small bachalors apt with XXXX children and barly room for my things this whole experiance has been a nightmare and i am forgotten and overlooked by my goverment i worked so hard for and became XXXX in service of unreal thank u but no thank u i live abroad because i cant afford to live in states and now cant afford to live here either
04/15/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web	Older American
The undersigned, XXXX XXXX, is being named Defendant in a wrongful foreclosure lawsuit against him brought in the name Bank of New York Mellon ( no address was provided ) allegedly as Trustee on behalf of unidentified purchasers of so-called mortgage pass-through certificates, series XXXX, of a non-existent Structured Asset Mortgage Investments II Trust ( not registered anywhere ) ( case # XXXX XXXX County, Florida ). Attorneys for claimant ( s ), whoever they are, do not dispute that these " claimants '' have no relation to the alleged debt as they have never purchased it ( which is a clear requirement under 9-203 of the Uniform Commercial Code ), have never had it on their books as an asset or a liability, have suffered no damages, but are set to receive unlawful off-the-books profits ( and have already achieved that in thousands upon thousands wrongful foreclosures around the country ), and would stop at nothing to hide their identities with their counsel 's collaboration. The complaint, however, does state and make the Judge believe that foreclosure sale of the property is to repay the debt owed to claimants, which is not true. A case from Washington State, Cashmere Valley Bank v. State of Wash., Department of Revenue, 334 P.3d 1100 ( Wash. Supreme Court 2014 ) explains in detail investment certificates are no secured and not entitled to foreclosure. PLEASE HELP me personally and also forward this to Task Force Docket # CFPB-XXXX to help thousands of other homeowners being wrongfully foreclosed upon.
03/13/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	SC 29708	Web
Hello, This is XXXX XXXX I wrote to you before about issues with XXXX XXXX XXXX. Case # XXXX. You passed me off to deal with XXXX. Let me first explain why I am writing to you. I have Multiple XXXX and have some rights through the Americans with Disabilities Act. Law firm XXXX XXXX says they are your lawyer and XXXX. The lawyer for XXXX XXXX kept emailing me and I informed him not to communicate with me by email because of my double vision and optic neuritis from my XXXX XXXX. I phoned the lawyer for XXXX XXXX and he refused to talk with me and hung up the phone. My rights to accommodate me were refused. I contacted the CEO of XXXX XXXX and have never head back. I also reached put to them as I wanted to visit there firm in XXXX and to organize access for me no response. First question do XXXX XXXX represent New York Mellon? Second I am not been told the truth by XXXX as they say they have never received any hardship application since XXXX. XXXX XXXX XXXX has said they sent our application to XXXX and XXXX was the one when denied us. XXXX XXXX XXXX 's lawyer says our account was charged off in XXXX and no additional charges were ever put on the account since that date. This is also untrue as our XX/XX/XXXX statement has a balance of {$120000.00} owned. I would like correspondence back from you as you owned our loan and XXXX we're just a servicer who could not be truthful. You only need to XXXX them to see all the negative remarks. I will be seeking advise as my rights have been violated.
12/26/2017	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX XXXXX	Web
XX/XX/XXXX - I lost my XXXX XXXX Check Card. XX/XX/XXXX - Called to place a hold on the card and order a new card. XX/XX/XXXX - XXXX made me aware that unauthorized activity had taken place on the card and transferred me to the fraud department and this department ensured me that the funds would be recovered. Informed me that the fraud department would follow up with a phone call. XX/XX/XXXX - The fraud department never followed up. The funds were never recovered. I called to see why I had not received a call and was given the runaround. XX/XX/XXXX - An agent named XXXX, who was extremely rude called to inform me there was no guarantee that my funds would be recovered and talked to me with very little respect because I did n't file a police report. I explained that I would and the only reason I did n't is because they ensured their investigators were on top of it and I did n't know who to file the report against exactly. XX/XX/XXXX XXXX XXXX XXXX XXXX from the executive office responded to my BBB complaint still refusing to return the funds and telling me the bootleg investigation they did had been closed. When I previously filed complaint # XXXX, XXXX XXXX disassociated themselves with BNY which are supposedly the issuers of the card. So now, I am trying to address this with the proper company. I have tons of proof to be uploaded but it wo n't let me go over 10MB. I uploaded my first call with them but I have 6 other calls that follow to prove their negligence, disrespect and outright lies.
04/23/2018	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	CO 80906	Web
On XX/XX/XXXX I went onto XXXX XXXX and filled out their form for an electronic deposit from my XXXX checking account directly into my XXXX account for the year XX/XX/XXXX for {$6500.00}. I accessed my XXXX account on XX/XX/XXXX and did see my transferred {$6500.00}. I immediately contacted XXXX ( XXXX ) and spoke to customer service, XXXX, and then the supervisor XXXX and they said they did not see my money but would send this as case number XXXX to their operations department and that I would be contacted in 5-7 business days. XXXX verified the XXXX of monies as did BNY Mellon as occurring on XX/XX/XXXX. I continued to call XXXX and they continued to tell me that they are expediting my complaint to operations and that is all they can do. On XX/XX/XXXX I sent XXXX an email stating I was escalating this complaint and I filed a complaint against BNY Mellon on XX/XX/XXXX. I was by given by BNY Mellon 's representative the name of XXXX XXXX and XXXX XXXX, who is in charge of XXXX. I have called her daily and she has never returned my phone calls, but today, XX/XX/XXXX, her receptionist asked me if " they had called me '' and I thought that odd. I asked who " they '' were and she would not say. So, my husband and I feel there may be fraud involved since this should have been an easy issue to resolve, but there is the fact that almost {$7000.00} of my money is missing and no-one can attest to where these funds are. Thank you for your assistance.
07/11/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 63129	Web	Older American
I have a XXXXXXXX XXXX account where my SS and my retirement benefits are direct deposit. I XXXX to XXXX XXXX and live there. Usually 2-3 times a month I write a check for {$1000.00} from XXXX to deposit in my XXXX XXXX account XXXX If over {$1000.00} they charge a fee. For 6 years I have been doing this. XXXX XXXX freezes the deposits for 30 days to make sure they clear ( even though it clears in 3-4 days. ) The intermediary bank is BNYMELLON. I checked my account and the deposit was returned witha fee of {$20.00}! However it cleared XXXX XXXX! BNYMELLON sent the check back to XXXX XXXX saying there was an error in processing ( which they can not find the error ). BNYMELLON KEPTthe money and will not return it to XXXX. XXXX Bank traced it to BNYMELLON and requested from XXXX XXXX to return the funds. He refuses to acknowledge. 6 weeks this has been going on with no help from BNYMELLON. Im a XXXX XXXX and I live on that money and I can not make another deposit until the {$1000.00} is returned from BNYMELLON for fear it will happen again. The check # XXXX can not go thru again as it would be a duplicate. This is what XXXX told XXXX XXXX to do. XXXX said it wont work. The money BNYMELLON is holding needs to be returned to XXXX in my account. No one has ever heard of this before and I am in tears. Im XXXX and not in good health and this huge bank has my money and will not help. XXXXXXXX XXXX has tried everything. Please help me!
06/22/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11561	Web	Servicemember
I am in defualt with Bank of NY Mellon serviced by XXXX, I had requested to assume my mother 's mortgage after her death in XXXX ( we lived together ). I was told I had to pay the entire mortgage upfront and could not. I presented the 'Garn St. Germain law ' and 'Successors in interest ' and then finally was told I could assume the mortgage and Modify the loan after many prior attempts. There was no way I could have paid all the money due, it was well over {$1.00} XXXX dollars ( from arrears, legal fees etc ) the home was significantly underwater - no pun intended. The market value of the home was at the time after Superstorm Sandy UNDER $ 400K due to massive wated damage in XXXX. I could not pay the modification for long in XXXX due to unforeseeable hardships. I asked for a debt forgiveness at Bank of NY Mellon - from the former CEO Mr. XXXX XXXX who only referred me back to XXXX. Now with Covid-19, I have had NO money coming in. XXXX aggresively began foreclosure proceedings with law firm in XXXX which required me to go to court appearances prior to Covid-19. With a scheduled date after Covid began, I had to appear at court XX/XX/XXXX. There was no notification NOT to appear, I went and the court, it was closed. I live in fear every day of losing my home where I reside with my XXXX. My husband is a deceased XXXX XXXX, I am a single mother and I have significant health related issues. I need help please. Thank you
02/04/2020	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	TX 761XX	Web	Servicemember
Last month I received a notice that I had a check returned from my XXXX account even though I should have had more than enough money to cover the check. I went through my transactions and saw several fraudulent charges starting around the end of 2019. These charges were done by several international money transfer firms ( see my other CFPB complaints ) as well as online retailers such as XXXX, XXXX, XXXX, XXXX, XXXX XXXX, etc ... I immediately contacted my card company, cancelled the card and imitated the fraud claims. I did contact several of the companies and was able to get a few to refund the money after I was able to prove I did not make the charges. Other companies advised me that they would not refund the money unless a chargeback was done by my card company. Again, see my CFPB complaint against XXXX. Yesterday I received a letter from my card company, BNY Mellon. stating that they conducted an " investigation '' and determined that I did make the charges and they were not valid fraud claims. There is no possible way any investigation was done since the companies that made the fraudulent charges agree it was fraud and said the best way to get the money back is through my card company. I have gone almost a month without access to the money that was stolen from me and my card company that is supposed to be protecting me is refusing to conduct an actual investigation.
11/22/2016	Yes	Bank account or service Other bank product/service	Problems caused by my funds being low	OK 74074	Web
My complaint is against XXXX/Mellon XXXX and involves both the the posting of information about balances on XXXX accounts ( by XXXX ) and Mellon 's assessment of overdraft fees. On XXXX XXXX, 2016, I wrote a check to XXXX, which reduced the balance in my account to XXXX. The balance as posted on the website was {$11.00}, and I wrote the check for this amount. The check was returned by Mellon on XX/XX/XXXX, and I was charged an overdraft because in the interim, I was charged a service fee. There was no posting of this fee on the website on XX/XX/XXXX ; nor was there a notice that this fee would be charged. The bank posted no dates on when service fees are charged. According to the bank, service fees are charged at the end of the month ; this was the beginning of the month, so I assumed my balance reflected the most recent service charge. I phoned in a complaint to XXXX ( XXXX ) ( # XXXX ), which forwarded it to Mellon. XXXX days later, on calling, I learned that Mellon had denied my request to cancel the overdraft fee and levied a second fee, while my complaint was being processed! I now owe Mellon bank {$44.00}. XXXX in overdraft fees. In short, XXXX. Mellon/ XXXX XXXX does not run a transparent website for check-writers. It 's impossible to ascertain when Mellon 's fees will be assessed ; XXXX. Mellon continues to assess overdraft fees while case numbers ( i.e., complaints ) are open.
08/04/2018	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	TX 77388	Web	Older American, Servicemember
I have a mutual fund account in joint tenancy with my father is is XXXX years old and in a nursing home. Three years ago when he was moved to a nursing home I changed his address because he could no longer keep a Post Office Box and I live in another state. Three years ago he signed a Durable Power of Attorney. I changed his legal address to my own address and I handle all of his financial affairs including his tax returns from my address. BNY Mellon as manager of XXXX XXXX refuses to change his address. They have also blocked all online access to the account. The post office and myself have sent them proper notification. They have refused to issue dividend checks to the new address and now are saying they must turn over the last three years dividends to the unclaimed money fund in their state of operation. They have made changing the address impossible by asking for things that do not exist ( my dad does not have a driver 's license at age XXXX ) and even refused the power of attorney stating they want a new one less than 60 days old verified by a " an authorized officer of an acceptable financial institution '' meaning that there is no one they will allow to verify it because they can not define this terminology. This is essentially extortion because they have set the hurdles so high to change the address that it is impossible to retrieve the money due to myself and my father.
10/19/2021	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	FL 33056	Web
I originally went to my XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX. Florida on XX/XX/2021 to complete a wire to XXXX XXXX in XXXX. I was advised the wire will be available in two business days. I was asked to provide additional documentation on about the first of XX/XX/2021, which I did. I was later on told by a compliance rep in my Ctedit Union the following day that recipient bank XXXX in XXXX has the funds. It ended up not being true. Bank of New York apparently was a corresponding bank that sent the funds {$20000.00} to XXXX XXXX XXXX XXXX and the funds were not delivered and kept by one of the banks, apparently XXXX XXXX XXXX XXXX for no reason. I asked for the wire to be reversed because it was not delivered as I expected. My money is still being held for no reason. I received a communication from XXXX that it will take 10 to 12 business days. The issue is, why should any institution sit on my money, for no reason? Is it a fraudulent strategy to make money off the funds? This money is from my Home Equity Line of Credit and each day they held it cost me interest close to 3 percent. I paid for a wire transfer service. The service was not rendered within the promised time frame. My money is still being held for no reason. I need my money back with all the interest as soon as possible. No need for this stress. You bank can not collect on service they did not render.
11/21/2020	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	UT 84124	Web
My XXXX account had fraudulent charges on it from starting on XX/XX/2020 for {$69.00} then one for {$50.00} on the XXXX, then one on the XXXX for {$85.00} then their was 3 on the XXXX for {$69.00}, {$85.00}, {$85.00}, then 3 more on the XXXX for, {$58.00}, {$85.00}, {$100.00}, and then 2 more on the XXXX for {$85.00}, {$100.00}, and then 4 more on the XXXX for {$58.00}, {$85.00}, {$85.00}, {$100.00} then the last one was done on the XXXX for {$50.00}. So their was 16 unauthorized charges taken from my account. I contacted XXXX right away and they helped me get a new card and password reset and then they submitted the form for those fraudulent charges. The lady on the phone said that i would be receiving the money back within 10 days. I hadnt heard from them or seen any changes to my account so I called them again and they said it would be resolved and it should be on my account on XX/XX/XXXX. However, I ended up getting a letter from BNY Mellon saying that they have investigated the charges and they determined that those charges were valid. Which is wrong! I had these charges also taken out of two of my other accounts with different credit unions and they said they were fraudulent and they gave me my money back. So i have tried to get a hold on BNY Mellon several times even leaving messages and havent heard back from them and i think this is wrong and vert unfair.
05/08/2017	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	NJ 087XX	Web	Older American, Servicemember
I XXXX from XXXX XXXX XXXX where I was in the XXXX XXXX XXXX XXXX XXXX XXXX administered by XXXX XXXX . On or about XXXX XXXX 2017 I submitted a form to XXXX to roll over the {$30000.00} I had in the XXXX XXXX to my money XXXX XXXX XXXX XXXX .. The problem is that as of this writing I still have not received my money. I have a written dialog of the various phone calls I have had with XXXX service desk. As of now, I have had 10 phone calls with XXXX trying to get an answer as to where my money is. What I get is a new agent each time to whom I need to re-state the case from the beginning. And each time, there is a new story or a new twist. The agents at XXXX say that the problem is with Bank of New York Mellon who is the Trustee. They continue to send the checks to the wrong account. And I am now told I have to wait until BONY recovers the money from wherever they sent it.It is now XXXX XXXX almost two months and XXXX can not seem to get this resolved. Soon the 60 day rollover period will expire and I may be liable for taxes on the money. I have written notes on every conversation if someone would like to review them. I am at my witts end and I am desperately seeking someone who can get me my mone y. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N.J. XXXX XXXX XXXX
11/07/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	XXXXX	Web
Dear Bank of New York, Good day! I want to know if I have unclaimed funds there in Bank of New York since I am the beneficiary of the trust funds of my fiancee. His name is XXXX XXXX XXXX XXXX XXXX And I want also to know if my trust documents are there. Because before he went to XXXX he sent me a bank key of a safety deposit box. I did not claim it because the sd card that he sent me. I put it on my phone and there's someone steal my phone that time. And the trustee also don't contact me anymore. But aside from the trustee theres have a copy of the trust there in the bank and I want to know if it's there in Bank of New York. If there's have unathourised transactions under my name its not me. It's a scammer, stop it because even XXXX cent of it I dont receive anything since 2014. And I want justice. I want also to know the correct contact number of Bank of New York because everytime I search bank of New York in XXXX it keeps changing the mobile number. If there's someone will withdraw looks like him that's an impostor don't allow that person to withdraw from it. Because that's a scammer. I want also to know why Bank of New York becomes BNY Melon Corporation. Bank of New York is Incorporated not Corporation. I sent you thr evidence here. I'm from XXXX. Was hoping to hear back from you soon. Thanks.. Sincerely yours, XXXX XXXX XXXX XXXX # : XXXX
01/03/2020	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	XXXXX	Web
What happened? 1. We were owners of XXXX shares XXXX ADR issued by the Bank of New York Mellon. ISIN was XXXX. Book value of 1 DR was XXXX USD per DR ( as was stated in XXXX annual report of XXXX ). Bank of New York Mellon only paid XXXX USD per DR cash proceeds for the termination of the ADR. Book Value exceeds cash proceeds by 15-fold. The company XXXX is a healthy company and keeps on producing steel at large scale. 2. The payment was sent with check. ( But the check was not cashed instead it was refused to be cashed. ) 3. Bank of New York Mellon declared us, there were no dividend payments paid by XXXX. This was a round lie. XXXX officially declared dividends for the years XXXX and XXXX. The Bank of New York Mellon has never paid us the dividends. 4. Bank of New York Mellon not even paid the full cash proceeds of XXXX USD per DR . We should only receive XXXX USD per DR . Although we are no US citizen nor US residentials the Bank of New York taxed us over five thousand USD. We need help in this case as we are victims of obvious fraud. We are able to proof every detail of our accusation with documents. Finally we ended up with nothing, we not even get the XXXX USD per DR because the checks were refused to be cashed. We lost all our funds invested in the DR product issued by Bank of New York Mellon.
10/21/2021	Yes	Checking or savings account Checking account	Managing an account Banking errors	TX 76227	Web
The date of transactions was XXXX for {$90.00} for a spoof company that isn't a real company and XXXX has no knowledge of them. the company is claiming to be called XXXX XXXX XXXX XXXX XXXX plan. I ended up needing to use it and the number I called said they didn't have any record of me in their system and they will call me back in 24-48 hours. In under 1-2 minutes they called me back saying they found me but needed to update my information. I found that suspicious and called XXXX support. The agent told me they get calls about this all the time and they are not a warranty company for XXXX. I was given a temporary credit after talking to bnymellon and many weeks later the temporary payment was taken back. Still to this day I have received nothing. XXXX XXXX which will not return my phone calls claims a letter was sent out on XX/XX/21 which isn't true because I can track all incoming mail by photocopy. I have left voicemail after voicemail she will not return my calls. The day I voice concern about the credit being returned she wrote up an unofficial and almost looks fake paper she states that was sent to me but you can tell it's not official. She even saved the file the day she wrote it out. So the paper was not scanned she wrote it up and sent it to me. I will be including the paper she wrote up on her computer.
11/02/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 10710	Web
I lost my job during the pandemic in addition to my husband leaving and eventually a divorce. I had a true financial hardship, this all started pre-pandemic in XXXX. As the pandemic hit and courts being closed and bank representatives not available as during pre-covid times. I was continued to be told the same thing by the bank representatives, that I need not worry and that at the moment the foreclosure would not be an issue and that once things normalized I would be given the opportunity to have the matter resolved. At some point I believe in XXXX the foreclosure was filed. I have tried endlessly to come to a resolution with the bank XXXX to no avail. Now I heading toward my final court hearing/conference on XX/XX/XXXX and despite my multiple requests for resolution, everything from a modification to a proper breakdown to understand how we got to these figures. I was even granted a XXXX state XXXX to bring my loan current and since there is still a shortage of approx. XXXX, they aren't willing to work with me. I really need help in saving my home. I have been in this home for about XXXX now or somewhere abouts. I am back to work and can afford my mortgage, I see no reason for the bank to not want to come to an agreement with me. Please help!! Sincerely, XXXX XXXX
01/30/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 34746	Web
In XXXX I purchased my home with the builder XXXX XXXX they issued a first mortgage for {$230000.00} and a second mortgage was {$57000.00}. Since then the mortgage loan has been transferred to many other mortgage servicing companies The Bank of New York Mellon XXXX The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is their servicer on my mortgage loan. In XXXX after my divorce, I applied for a loan modification. The new loan was for {$340000.00}. After several years of on-time payments to XXXX XXXX XXXXXXXX , then in XXXX my home went into foreclosure. I called XXXX XXXX XXXXXXXX they told me to not worry because my mortgage was in good standing. It seems to me that they never did a true modification of the mortgage because the second mortgage was transferred to another mortgage servicer I was never aware of it until last year. I thought the modification of {$340000.00} was the new mortgage modification. Since XXXX I have been making payments of {$1200.00} on the {$340000.00} and now they are asking for an additional monthly payment of {$1400.00} and an additional mortgage amount of {$140000.00}. The new combined mortgage amount will be {$490000.00} and a new monthly mortgage payment of {$2600.00}
05/15/2021	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	WA 98036	Web	Older American
The following transaction was charged against a debit card I hold from XXXX XXXX on XX/XX/2021 as follows : DEBIT CARD PURCHASE XXXX XXXX NV ( Cash ) - {$100.00} I am informed this card was issued and run by the BNY Mellon bank out of XXXX, Delaware. I filed a complaint via XXXX immediately by telephone as soon as I saw the charge, and they canceled that card and issued me a new one. A week or so later I received a response from the Mellon bank as follows : Dear XXXX, This letter is in response to the fraud claim you have submitted to BNY Mellon concerning your XXXX Visa Debit Card. You have stated in your fraud claim that unauthroized charges have posted to your Debit Card. We have investigated the claimed charge. Based on this investigation, BNY Mellon has determined that these charges are valid .... Therefore, BNY Mellon is denying your clain and considers this matter to be resolved. No monetary reimbursement of the charge will be forthcoming from BNY Mellon. That amount of money was not insignificant to me ( unlike, say, to BNY Mellon ), as I am retired and live on my Social Security. I called XXXX again towards the end of XXXX, when nothing happened, and have heard nothing since.
03/10/2018	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CT 064XX	Web	Older American
In the 1920 's my great grand father established a trust for his XXXX granddaughters at a bank that no longer exists. Through a series of mergers the account has ended up at BNY Mellon Wealth Management XXXX, PA. The original trust was invested in stocks. Since the trust has been managed by Mellon Wealth they have put 100 % of the assets in Mellon affiliated accounts with the majority having higher than average fees and lower than average results based on XXXX XXXX. I even went so far as to run a report investing in 5* funds comparing them to their rates of return. They also sell the funds and buy new funds frequently churning the account for fees and the fee funds are higher than normal. Each year I complain that I want the money invested outside of the Mellon affiliated funds as I believe it is a conflict of interest. I've asked to be given some kind of control over when funds are bought and sold and what funds are bought and sold. I've asked that my portion of the trust be paid out since my mother has died. All rejected with one excuse over the other and nothing ever happens. I was hoping this agency that provides bank oversight could help stop this ripping off of the trust.
02/18/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	NM XXXXX	Web	Older American, Servicemember
This is regarding BNY Mellon who holds Medicare XXXX XXXX funds for XXXX XXXX XXXX and issues monthly refund checks. The bank has made changing a mailing address extraordinarily difficult. I spoke with two representatives who told me that I could not change a mailing address unless I opened an online account, however, at the same phone number, XXXX, there is a recorded option that gives instruction for changing an address by mail. On XX/XX/XXXX, I sent a letter with all the included items listed on the recording to the exact address on the recording from the post office at zip code XXXX. The address change has not been made. I have tried to follow up on this address change, and called the phone number above today, XX/XX/XXXX. I chose option XXXX to speak to an agent and was hung up on. This is not the first terrible experience with this bank and changing of address and changing from mailed checks to direct deposit. All I ask is that my mailing address be changed as per the letter sent on XX/XX/XXXX and that a confirmation of this address change be sent to me promptly. I am moving and do not want anyone else receiving my banking information at BNY Mellon.
02/26/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 95037	Web
XXXX, XXXXBANK NEW YORK MELLON - DEPRIVE ARBITRATION RIGHTS OF DISPUTED DEBIT CARD CHARGE Bank New York MellonXXXX XXXX XXXX have , wrongfully, deprived my rights to arbitration. I have tried to invoke my rights to arbitration to dispute a {$10000.00} charge for : defective work ( libel/slander ), billed charges for disputing libel/slander *work not requested, but charged - and XXXXwork requested, but not performed. There are countless Internet complaints against the law firm that made the charge - alleging similar, unscrupulous billing by this law firm. Bank New York Mellon stated in an email dated XX/XX/2022 : " Unfortunately, based on the merchants response we have no rights to continue and submit an Arbitration on your behalf. '' Bank New York MellonXXXX XXXX XXXX have, wrongfully, deprived my rights to arbitration. I, certainly, question how many other consumers have been, wrongfully, deprived their arbitration rights by XXXX, Bank New York MellonXXXX ? I, respectfully, seek assistance from the Consumer Finance Protection Bureau to enforce my rights to arbitration regarding this $ 10,000+ matter. Thank you very much for your assistance.
06/30/2018	Yes	Checking or savings account Checking account	Managing an account Banking errors	MA 021XX	Web
On XX/XX/XXXX, I withdrew CAD {$60.00} from an ATM in XXXX using my XXXX XXXX XXXX which also incurred a CAD {$2.00} ATM fee. On XX/XX/XXXX, the transaction cleared for US {$49.00} with a US {$1.00} ATM fee refund. The exchange rate that the bank applied was 1 CAD = XXXX USD ; however the wholesale exchange rate at the time was 1 CAD = XXXX USD ( as retrievable at XXXX ) resulting in an excess cost to me of US {$2.00}. I submitted a dispute to the card issuer BNY Mellon on XX/XX/XXXX, and they confirmed the transaction occurred at the higher exchange rate and denied responsibility. When I spoke with the dispute agent over the phone XX/XX/XXXX, she could not explain the discrepancy between the transaction exchange rate and prevailing wholesale exchange rates ; she advised she could not help me further and directed me to call the brokerage. When I called XXXX on XX/XX/XXXX, that agent also advised he could not help me and directed me back to BNY Mellon. This exchange rate was unfair and contrary to the account agreement that states in section 2.5.2 the bank will generally obtain exchange rates through Visa at wholesale or government-mandated rates.
01/27/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OH 440XX	Web	Servicemember
Checks were stolen while I was XXXX and used to open a bank account with XXXX XXXX. When I discovered this, I immediately contacted local law enforcement who was reluctant to take a report, refusing to take an in-person report. I was told to handle it with the bank and that there was nothing the police could do. Finally, after months of not being able to get an answer from XXXX after sending in everything I needed with an affidavit disputing the checks used to open the XXXX account ( which XXXX keeps denying ) and having called every 3 days for over a year being ignored, sent me a notice that they will not help me recover my funds because I didnt cooperate with law enforcement when it was law enforcement that refused to cooperate with me. I have since reported this to XXXX. Nobody will take responsibility despite prompt reporting of the situation and evidence that funds have been grossly misappropriated and handling this situation where XXXX has been on conference call with XXXX and denied it removing funds from my account, has been devastating especially whiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/04/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	XXXXX	Web
Good afternoon. First of all, I want to tell you the situation that happened to me. XXXX XXXX XXXX XXXX XXXX sent a payment to XXXX. The correspondent bank was BNY MELLON ( XXXX payment will be attached to the letter ). My bank XXXX was sanctioned and, accordingly, my bank 's correspondent account was frozen and the money did not have time to return to me in XXXX. We wrote a letter to BNY MELLON bank, they replied that the funds were not blocked ( I attach the letter " response from BNY MELLON ), I check with my bank XXXX, they say that the funds are blocked by OFAC. I write an application to OFAC, I wait 2-3 months and I receive a message that the funds are not blocked ( I attach the letter " OFAC response '' ). As a result, it turns out : BNY MELLON writes that the money is blocked and is in the correspondent account of XXXX. XXXX writes that they do not have money and they are blocked, write OFAC / OFAC writes that they do not see money among the blocked funds. I ask you to help me find funds, as I can not communicate directly with BNY MELLON, and XXXX Bank does not take any measures. I really need your help.
06/03/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD 21093	Web
Received a phone call on XX/XX/XXXX from XXXX XXXX XXXX telling me a civil complaint was filed against me, gave me a phone number to call XXXX and a claim number : XXXX. The company I called said their name was XXXX and they had a complaint about debt to Bank of New York/Mastercard for {$6700.00} from XX/XX/XXXX. If I agreed to pay it off today, it would be only {$4200.00}. If I didn't pay they would garnish my wages. I explained I never did business with Bank of New York or MasterCard and this debt didn't belong to me. I asked for written proof and was told that many letters had been sent to my address. I never received anything. I was told it was " too late '' for that and I had to make arrangements right away. They had my social security number and date of birth as well as my name and address. I am afraid they will use this information to steal my identity or some other criminal activity. I hung up after telling them again to send proof. I also sent them a letter stating the same thing. I received another call that day, and one again today from XXXX telling to call the XXXX number regarding a civil complaint.
07/25/2018	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	XXXXX	Web	Older American
My Company is an XXXX XXXX registered in XXXX with annual filed financials with the XXXX Authourities. I am the appointed representative for XXXX XXXX in a Number of XXXX XXXX. I also provide XXXX XXXX to a number of XXXX customers amougst whom is XXXX XXXX XXXX. This Company recently sent me US $ XXXX against invoice for services rendered. It was transacted through XXXX XXXX XXXX thru a correspondant Bank Bank of New York Mellon Bank. This Bank seized the funds claiming my Company was involved in Money Laundering. On request all details were provided by XXXX XXXX to XXXX XXXX. Their initial Ref is XXXX XXXX XXXX Ref on their provision of answers XXXX. The funds are still held by Bank of New York. The real issue here is complete disregard for small business and no means of contacting anyone at bank of New York. I have engaged legal Counsel and intend to sue. As of this stage after over 10 Days still no funds. I might mention that Bank MNellon did the same in a transfer by my Company in late XX/XX/2017 and seized funds destined for XXXX. So they have history that my Company is bonifide.
03/12/2017	Yes	Bank account or service Checking account	Deposits and withdrawals	CA 947XX	Web
I have an HSA account with the Bank of New York Mellon. They have failed to disburse any funds from that account for the last 6+ months. Their checks have not worked on multiple tries at my pharmacy. Their credit card has not worked on multiple tries at multiple pharmacies. They have failed to send me a new credit card. On the last occasion, after claiming my direct deposit transaction was 'completed ', they failed to actually deposit the funds into my account. This caused the last check I wrote to bounce by a ~ {$3.00}. And of course, they charged me {$25.00} for this. This check was an attempt to rollover the funds into a new HSA account since they have failed to provide services to me. At a minimum, I would call their failure to disburse my money a lack of good faith. But judging from their timing in not depositing funds while at the same time 'trying ' to cash a check, I suspect deceptive practices. I was also told on the phone that if I close my account, they will continue to charge me monthly fees. The person I talked to also refused to pass my call to a supervisor.
04/25/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 33334	Web	Servicemember
On XX/XX/XXXX18 I was contacted by XXXX Fraud management and they indicated that there was some transactions that they wanted to verify. I informed them at that time that my wallet had been stolen and that the transactions in question were not mine. They shut down my card and issued a new one and filed the fraud claim. Over the coming days a lady by the name of XXXX called me and asked me some questions about the merchants and the transactions at which i advised here they were not processed by me. After approximately two weeks passed and she called to inform me that my claim was being denied because i had transacted with one of the merchants last year. I advised here that this isn't a valid reason to deny a fraud claim. I had already filled a police report which was provided to her. I asked to speak to a supervisor which took four day for a call back. Now its been two more weeks and I've requested in writing the reason for the denial and no information can be provided to me justifying the reason for the denial. In addition she reported my accounts for closure.
02/17/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	MA 01605	Web	Older American
XXXX XXXX XXXX and Mellon Bank fraudulently on several levels attempted to collect a fictious debt. They were informed the debt if it existed was statutorily barred from collection, I was XXXX and unable to if the debt existed. They wrote off this debt ( TAX FRAUD INVESTOR FRAUD ) even though they were informed in writing XXXX times a 1099C would fraud and harassment, they sent me a 1099C for {$410000.00} on a non-existing debt. Additionally due to lies and actions by the ( Mellon Bank XXXX XXXX ) and XXXX XXXX XXXXXXXX my home was lost as well as prior mortgage payments. The 1099C places a XXXX XXXX XXXX XXXX without assets at the mercy of the IRS for taxes, penalties, fees, interest on {$410000.00}! The attached documents prove these egregious actions most of which is supported in the XXXX XXXX transcript attached. SHOULD THIS GO INFRONT OF A FACT FINDER the witnesses will ALL BE LAWYERS! other than myself. XXXX XXXX, Mellon and XXXX XXXX XXXXXXXX have confirmed their actions in writing. I will share what I have with law enforcement and vetted Lawyers
02/24/2023	Yes	Money transfer, virtual currency, or money service Money order	Fraud or scam	OR 973XX	Web
Dates : XXXX XXXX 2023. Amount of " money '' sent to me was {$4900.00}. I will note that I did not try to deposit this at all because it's not legit and I knew from the start. There is a company going around hacking accounts on social 's to pose as real companies trying to hire others, they will give you an offer that sounds too good to be true, offer to pay you up front, for minimal hours. They say they will mail you a check with your payment and funds to buy things for your personal home office space. This is all a shame, they tell you to use the check via atm or online deposit and specially tell you NOT to go to your bank, this is the biggest red flag. Their checks do not look legit either and the company they claim it will be sent from does not exist and the company it is sent from is one that tries to mimic a legit life insurance company. They try to pose as " XXXX XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX XXXX ''. The check is signed by a XXXX XXXX from New York, which is likely not the actual XXXX XXXX.
12/27/2021	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	NY 111XX	Web
I initiated a rollover IRA to XXXX from " XXXX '' institution on XX/XX/2021. I filled out the required form when opening my XXXX rollover account on XX/XX/2021 I called XXXX XXXX weeks later to check on the status of this rollover order and I Was informed by betterment representative that it was " in-process, proceeding normally, and everything looks good please wait 2-6 more weeks '' Six weeks later still nothing so I follow up by calling XXXX XXXX on XX/XX/2021 only to find out my rollover instruction was ignored and never initiated without any explanation from XXXX as to why it was XXXX nor any apology from XXXX, XXXX XXXX of XXXX XXXX me XXXX XXXX complete XXXX the Form with him over the phone ( which I did ) and immediately emailed it to XXXX ( Which I did ) he would expedite the rollover instructions On XX/XX/XXXX i received a letter in the mail stating that my rollover instruction has again been ignored without explanation as to why it was never initiated. This is disgusting behavior for a financial institution.
03/03/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	OR 970XX	Web	Servicemember
Bank of NY, Mellon is the trustee of our Mortgage note. We have written them several times over the years to include when the XXXX / XXXX scandal of predatory lending practices had a debt settlement program which we were named in. No response was ever given. XXXX XXXX XXXX refused, and on tape refusing to provide this trustee information in order to protect them. Most recently, XX/XX/2019, we sent a certified letter to The Trustee of our loan, Bank of NY, Mellon, which was signed for as being received XX/XX/2019, to request the following documents : 1 ) The original promissory note, as well as a personal member of their bank to allow us a visual inspection of this Original Promissory Note 2 ) To also see the Deed of Trust 3 ) All loan documents to include all transactions dated back to loan inception, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. We requested all documents so we can review them personally to match with our records. All of these requests were never answered, just shoved under the carpet.
04/02/2018	Yes	Checking or savings account Other banking product or service	Problem caused by your funds being low Non-sufficient funds and associated fees	WA 98125	Web
Two years ago ( XX/XX/XXXX) I was enrolled in a low deductible health insurance plan with an HSA account. There was a low balance fee ( custodian administrative fee ) of {$2.00} per month for balances under {$2000.00}. I changed health plans in XX/XX/XXXXto one that did not have an HSA. I did not contribute to the HSA nor did I withdraw from it in XX/XX/XXXX, and I did not carry any balance. It was effectively unused and deactivated. This year I changed back to the same plan as in XX/XX/XXXXwith the same HSA. In XX/XX/XXXX I was charged {$30.00} ( 15 x {$2.00} ) in fees for low balance. It's possible {$2.00} of that was for XX/XX/XXXX, but the other {$28.00} ( or minimum {$24.00} for 12 months of XX/XX/XXXX x {$2.00} ) was charged for when I was not able to use the account. I called the benefits administrator ( XXXX ) and they called in with me to Bank NY Mellon, and both parties said they were unable to reverse or waive the fees. This was in late XX/XX/XXXX or early XX/XX/XXXX. Note that I changed addresses in XX/XX/XXXX.
09/11/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	TN 37129	Web
On XX/XX/2023 I receive a notification of inactive account, which contains {$500.00} for my XXXX account number ending in XXXX. I have attached a copy of the notice. Immediately, I call their customer service which required me to have a security code mailed to my mailing address on file to be able to access the account. The representative informed me I would be getting the code within 10 business days. I called again XX/XX/2023 to ask why I had not received the security code, and they said they would send another one. They re-verified the correct address on file and mentioned that I could also fill out their last resort form and have it notarized, which I did but have not heard back that they have received it despite being over a week since I sent it out. Their bad customer service, without ability to talk to a supervisor, and the fact that my hard earned money is sitting there collecting perpetual XXXX fees monthly is the reason why I am reporting this to your bureau for further investigation and management.
09/13/2021	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	TN 380XX	Web	Older American, Servicemember
XXXX XXXX XXXX prepared transfer papers for a lady with XXXX she states she payed him XXXX XXXX dollars for this service. I have a copy of the papers they make me the owner of XXXX XXXX dollars. The money is in Mellon bank of new York Mellon P'O.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX phone XXXX Mr.XXXX XXXX XXXX he has asked me for I.D . have performed every task that he has asked still no transfer of Funds. Ms. XXXX XXXX the donor offered me a percent of the fund an it was intented for the sick and homeless. Fact Mr. XXXX is in a Organization That helps people that are homeless and sick now see the connection and has been associated with Ms.XXXX with church matters. The acronym for the Organization is ( XXXX ) this is a confict of interest on the part of him over seeing XXXX XXXX dollars. Then take into the fact he had the papers prepared for me to receive the funds. I would Appreciate your Agency looking into this matter. cc file XXXX XXXX By The Way Mr.XXXX XXXX XXXX is also a XXXX?
04/08/2019	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	NY 119XX	Web
In XXXX of XXXX I received a 1099-SA from the Bank of New York Mellon Benefit Wallet for a distribution of {$1600.00}. I immediately called their customer service to tell them I never authorized any withdraw from my Health Savings Account. It turns out that on XX/XX/XXXX there was a request for an electronic transfer of funds wiping out my account. They provided me with a routing number which did not relate to any bank account I own, and told me they would investigate. I filled out and returned a 'affidavit of unauthorized/improper direct pay activity which they received XX/XX/XXXX. I was told they have up to 60 days to investigate. I have repeatedly called customer service which is in the XXXX and they keep saying 'still under investigation ' They refuse to provide a name and phone number of someone in operations in XXXX NJ that I can speak with to help resolve this. It is now over 60 days without a resolution and access to my funds ... I have a case # if that helps
04/06/2018	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	CA XXXXX	Web
On XX/XX/XXXX I read an e-mail from XXXX regarding a new debit card that was mailed to my home address. I had not received the card, so I logged into the XXXX web site and noticed unauthorized transactions. All POS Debit transactions from XX/XX/XXXX to XX/XX/XXXX are fraudulent. On XX/XX/XXXX I called XXXX and spoke to a customer service representative who transferred me to a representative in the fraud department. I received an Affidavit of Unauthorized Debit Card Transactions form which I filled out and faxed to them and a case number XXXX. On XX/XX/XXXX I received a phone call to answer additional questions about the fraudulent transactions. On XX/XX/XXXX I made a call to them about the status of the claim and they stated that the claim was denied. I filed a CFPB complaint, XXXX and received a letter from the bank with the details of why the claim was denied. I mailed a letter back to them disputing their claims on XX/XX/XXXX and have not received any response.
04/18/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	KS 662XX	Web
I have an HSA with XXXX ( Bank of New York Mellon ). I contacted them in XXXX XXXX to find out how much more I could contribute to reach my maximum contribution limit for XXXX. I mailed in a check and last week received an email from them saying I could add more. Thinking that I had already sent in the maximum, I called them to double check on what was going on. They said that the email should n't have gone out, that the check I recently sent in was too much, and that I would have to pay fee to get everything split up and " reclassified '' to the proper years OR they could reclassify the check I sent in for XXXX to XXXX which will cause me to lose out on my maximum contribution for XXXX. Either direction costs me money and I was trying to be proactive to begin with. The people and policies at XXXX XXXX are criminal and derelict. They purposefully dish out incorrect information in an effort to generate fees and have totally failed at any standard of fiduciary duty.
11/09/2015	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	OH 43228	Web
My issue is that there are several debit transactions to a XXXX binary options broker that turned out to be fraudulent. The merchant, that is, turned out to be fraudulent. It is illegal for this merchant to do business with United States citizens unless they are regulated and licensed with the CFTC. They are not regulated or licensed with the CFTC, but the merchant lied to me and said that they were. I only found out they were fraudulent when I tried to make a withdrawal of my funds and instead they locked me out of my account. The merchant stole my money! I originally filed a dispute for these transactions as unauthorized transactions because the merchant was n't authorized to do business in the United States. Therefore, I thought that 's how it needed to be filed. I should have disputed under a different category. Regardless, I do n't think there was too much investigating into my case. They also closed my account for filing a dispute!!!!!!!!!!!
09/20/2023	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	OK 74403	Web
I am in the process of trying to register a used vehicle that I purchased. I was stopped in this process because a past lien showed up on the vehicle. The company was listed as BNYMTC AS COLLATERAL AGENT. I found it very difficuly to find the company online, and was finally able to speak to a company representative on XX/XX/23. He interrupted me and tried to tell me that I called the wrong division before I even explained the situation. After then allowing me to explain the situation, he verbally gave me an email address to contact, which I did that same day. 6 days later and I still did not hear back from the company. I sent them a follow-up email on XX/XX/23 and they responded with : " Unfortunately, you have reached the wrong department as we only handle residential properties. We do not know where internally this would go. '' The company 's neglect in helping me to promptly resolve this issue has caused me to not be able to register my vehicle.
11/20/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	CA 94801	Web
We have a XXXX investment account, which includes a cash account that is managed by BNY Mellon ( we are told ). We were contacted by their fraud department due to some odd charges on our XXXX debit card. We called, confirmed that the charges were n't ours ( XXXX and some prison phone service - neither of which have we ever used ), and asked to have the card shut down as soon as we got some cash out. The card was not shut down, and five days later there were more charges. We contacted the bank, and were told by supervisor XXXX XXXX that all of the charges would be reversed, and that we 'd receive confirmation in 10 days. We then received a letter stating that BNY Mellon is denying the claim, and giving a number to call. I called, and the person there said " Maybe you should write them ...? ". This is a XXXX card with an advertised 0 % liability, and we 're out over {$500.00} - that makes no sense.
12/30/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 78757	Web
I have a joint account with my spouse at XXXX XXXX XXXX and have 2 debits cards ( one in my name and one in her name ) on this joint account. The debit cards are issued by BNY Mellon Card Services. The fraudsters have obtained both debit card numbers and used them on 3 merchants - XXXX, XXXX, XXXX XXXX. I reported the fraud to BNY Mellon Card Services in early XX/XX/XXXX. The fraud activities started in early XX/XX/XXXX until XX/XX/XXXX. The amounts added up to approx {$5000.00}. My spouse is the only person using both debit cards. I only discovered the fraud activities when I noticed a large increase in spending and I asked my spouse to reconciliate the account debits. BNY Mellon has repeatedly denied the fraud activities, instead accusing us of lying to them about those fraudulent charges. I have reported this crime to the Financial Crime Unit with the XXXX Police Department.
05/06/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 92106	Web	Older American
This is from official documents of XXXX XXXX XXXX XXXX ( my bank in XXXX ). XXXX XXXX XXXX XXXX transferred my money to Bank of New York via two drafts, draft # XXXX for {$40000.00} and another draft # XXXX for {$20000.00}. Both the drafts were reconciled with debit to XXXXXXXX XXXX XXXXXXXX XXXX XXXX account by Bank of New York. I was not aware of these transfers and I never claimed my money from Bank of New York. My money is still with Bank of New York and I am trying to claim the funds. I tried many times to contact Bank of New York to get help from foreign transactions department but could not get through the recording and never could get a live person to explain my case. I do not know who should I contact in this mattter with Bank of New York to get help on this matter and get reimbursement. What can I do to get my money from Bank of New York? Please help me. Thanks.
06/29/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TN 38501	Web
.Hello to whom it may concern, Im submitting an complaint on my behalf to dispute a list of transaction ( s ) that happened while having an XXXX XXXX XXXX at XXXX . It is from my understanding that its impossible to dispute transaction ( s ) directly with-you or thats what an agent told me anyways. So, Im asking the CFPB to be involved as a middle-man. I will not be signing any documentation or anything, I would simply just like my funds back from the merchants in which are FULLY HIGHLIGHTED IN THE STATEMENTS I ATTACHED. If you can not draw my funds back, Id like to know how you came to these terms, and your investigation process. I will only answer through the CFPB portal, no calls, no mail, no anything. My Mailing Address & Phone Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN USA XXXX Number : XXXX Thank you very much for your understanding, and prompt response. Thanks.
01/20/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 331XX	Web	Older American
We never signed the note only the mortgage, the note signer passed in XXXX. We were never billed, we were never notified of servicer changes, our payment or calls were not accepted. We were sued by Bank of New York Mellon who forged the note, violated stay in bankruptcy court, allegedly robo signed assignments, violated civil court mandatory mediation and abuse legal process by having hired 5 different law firms. One of which, XXXX XXXX went to a mediation with another attorney and even though Im pro se told the mediator that he represented me. This was done during a bankruptcy stay. XXXX, XXXX XXXX XXXX and XXXX are the servicers and Ive never heard from any of them since XXXX. The lawyer that was misrepresented as mine although I am pro se is constantly trying to buy my house at a short sale and has harassed us about it for years although we have told him to back off.
04/23/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	DE 19720	Web
Good afternoon I am the owner and manager of XXXX XXXX XXXX XXXX My company sent funds to the counterparty XXXX XXXX and XXXX XXXX as payment for the contract - in the amount of USD XXXX ( payment order No. 5 dated XX/XX/XXXX ) ; - in the amount of USD XXXX ( payment order No. 6 dated XX/XX/XXXX ) ; - in the amount of USD XXXX ( payment order No. 7 dated XX/XX/XXXX ). Correspondent bank of THE BANK OF NEW YORK MELLON. Information about payments in the annexes to this letter. Payments have not been received by the recipient. As far as I know, all payments are blocked. I ask you to help me set the details and the date of blocking payments. I contacted THE BANK OF NEW YORK MELLON by phone, but they refused to provide me with any information about the details and the date of blocking payments. Sincerely yours, General Director of XXXX XXXX XXXX XXXX XXXX XXXX.
09/11/2023	Yes	Money transfer, virtual currency, or money service Money order, traveler's check or cashier's check	Fraud or scam	NV 891XX	Web	Older American
Complaint Title/Subject : Fraudulent cashing at BNY MELLON in XXXX, MA on XX/XX/2022 of XXXX Charitable Check # XXXX, pay to the order of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I'm the grantor of the said XXXX Charitable Account. I requested XXXX XXXX to mail a {$500.00} donation check to the XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXXXXXX ) at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX The XXXX XXXXXXXX XXXX XXXX XXXX never got the check. A scammer or fraudster stole the above-mentioned check, endorsed it and deposited it to BNY MELLON in XXXX, MA as evidenced by the fake endorsement on the back of the check that XXXX Investments showed me as proof of encashment. BNY MELLON in XXXX, MA should have never encashed the check and should return to my account at XXXX Charitable the {$500.00}. Thank you. XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX
10/29/2019	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	FL 34293	Web	Older American
We have a property in XXXX and sold some furniture for XXXX Euros which I placed in my XXXX bank account at the XXXX XXXX. We then made a wire transfer order with my XXXX bank to wire XXXX Euros to my U.S. bank, XXXX XXXX XXXX XXXX. The wire transfer was made on XX/XX/XXXX via the correspondent bank, The Bank of New York Mellon. As of today XX/XX/XXXX the money has not been deposited to our U.S. Bank. My XXXX bank has confirmed that the money is with NYB Mellon. I have tried to speak with the Wire Transfers Investigation Department at NYB Mellon, but they refuse to speak with me ; they will only speak to either my U.S. or XXXX bank. Both my U.S. bank and XXXX bank have called NYB Mellon and they report back to me only vague answers that the money has been received at NYB Mellon, but give no reason for not sending it on to my U.S. Bank.
03/28/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CT 06108	Web
on XXXX I filed a complaint with the cfpb. BNY Mellon lied in it's reply to myself and this agency and stated it was a duplicate complaint and closed the case. In fact new documents that came out AFTER the original complaint were provided in the XX/XX/2023 complaint. It is in fact not a duplicate. BNY Mellon and XXXX XXXX are engaging in fraud. They have in fact, repeatedly denied owning the loan while XXXX XXXX repeatedly states that BNY " OWNS '' the loan. Both companies use this exact language. BNY Mellon is listed as foreclosing on our property but claim in correspondence they do not own the loan OR the property. We have also repeatedly requested the loan owner, investor or creditors name, phone and address from both BNY Mellon and XXXX XXXX and both companies refuse to provide the information which is a violation of TILA.
05/16/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	CA 92106	Web	Older American
As I already explained in my previous complaint on XX/XX/2023, I have been trying to reach Bank of New York but could not pass the recorded messages. I requested to call back but no one called back. In my previous complaint also I requested Bank of New York to give me email address or address to send financial documents and phone number for further communication. Response from Bank of New York does not include requested information. Bank of New York wants me to send financial documents but is not providing the address or email to send. How can I proceed with my case? My bank in XXXX XXXX XXXX XXXX XXXX sent two drafts in my name to Bank of New York which I was not aware of it and I never claimed my money. My money is sitting with bank of New York which I want to claim now. Please help me to connect with Bank of New York. Thank you
11/11/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Fraud or scam	NY 10001	Web
The issue is to report a telegraphic transfer. And the bank making issue is the bank of new york mellon. I am a student from XXXX. I sent my fees to XXXX university from XXXX on XXXX XXXX through XXXX XXXX. The sender bank was bank XXXX XXXX. There was a compliance on my transfer which took XXXX weeks to clear than the sender bank said the money has been transferred but it didn't reached the XXXX XXXX and i confirmed it. The bank ran the tracer, XXXX XXXX replied that they sent the transfer to bank of new york and now the information to bank of new york mellon XXXX XXXX XXXX but they are not replying. And its been XXXX months they are not replying on tracer or transferring the transaction to XXXX XXXX ( convera ). I sent the complaint to XXXX but no reply I am in really need. I have all the documents plz contact as soon as possible.
05/22/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	DE 19720	Web
Good afternoon I am the owner and manager of XXXX XXXX XXXX XXXX My company sent funds to the counterparty XXXX XXXX and XXXX XXXX as payment for the contract - in the amount of USD XXXX ( payment order No. XXXX dated XX/XX/2022 ) ; Correspondent bank of THE BANK OF NEW YORK MELLON. Information about payment in the annexes to this letter. Payment have not been received by the recipient. As far as I know, this payment is blocked. I ask you to help me set the details and the date of blocking this payment. I contacted THE BANK OF NEW YORK MELLON by phone, but they refused to provide me with any information about the details and the date of blocking payment. Early I try to get iformation about this payment, but the bank sent me an answer about another payment. Sincerely yours, General Director of XXXX XXXX XXXX XXXX XXXX XXXX.
02/14/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	GA 30134	Web
At the beginning of XX/XX/2023 I initiated a transfer of funds from my HSA operated by the Bank of New York Mellon via XXXX in the amount of {$510.00}. The funds were removed from my HSA account and the transaction listed as posted on XX/XX/2023. The funds never made it to my checking account with XXXX XXXX XXXX I called XXXX XX/XX/2023. The blamed the delay on a weeklong outage and guaranteed me the funds would be in my checking account by Friday of the same week. On Saturday XX/XX/2023 the funds still were not in my account so I called again and the customer service representative again blamed the delay on an outage but had no explanation for why an outage would affect a transaction listed as posted and not in process. She told me the funds would definitely be in the checking account by Tuesday the XXXX, but they are not.
03/02/2019	Yes	Checking or savings account Other banking product or service	Closing an account Company closed your account	FL 32210	Web
I have a Health Savings Account ( HSA ) with XXXX XXXX through XXXX/The Bank of New York Mellon for quite a few years. The account has not been particularly active, but during the second week of XX/XX/XXXX I transfered {$3500.00} online into my HSA account and it left my bank account on XX/XX/XXXX. Today, XX/XX/XXXX, I checked online into my HSA account and did not see the {$3500.00} credited. I then called XXXX XXXX and was told that the HSA account was closed by them on XX/XX/XXXX for inactivity. I received no notice from Benefit Wallet of the closing of the account, the representative told me today that there is no notice to me that the account closed, I was still able to go online and contribute to the HSA account that I just learned has been closed almost one year, and I have not been credited back the {$3500.00}.
09/02/2015	Yes	Bank account or service Savings account	Account opening, closing, or management	TX 77043	Web	Older American
I have been a customer of XXXX XXXX since XX/XX/XXXX. Recently, XXXX spun off their financial services arm which was purchased by BNY Mellon. Mellon closed the consumer financial services division on XX/XX/XXXX. I have contacted Mellon repeatedly since XX/XX/XXXX in an attempt to have the remaining funds in my account - almost {$6000.00} returned to me. Each time I call, I speak to supervisor, who tells me that now they need a different form, or a different letter, or a form sent to a different address, that the information that the last supervisor told me was incorrect. I have spoken to XXXX, XXXX, XXXX, and XXXX. I believe BNY Mellon has made a corporate decision to block as many redemptions as possible, with the hope that consumers will eventually give up, run out of time and leave their funds in the hands of Mellon.
09/09/2023	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	TN XXXXX	Web	Servicemember
All federal judgements and the United States government & all 50 states government judgements don't pertain to these corperations as stated by the constant responses for denial of justice and covering up. The have shown with action by covering up and lying in multiple courts that they are above the law as I have shown. And they don't need to go to appeals court to fight a judgement as long as they threaten by force the people they have denied payments to with encarseration when fighting for the unites states and the law. Thy don't investigate anything and give there response with in a day or receiving the complaint or 1 week usually on the weekend. So that is not a proper investigation at all. And as for XXXX XXXX thier private email messaging system is so they can hide the truth and not investigate anything.
06/26/2023	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	CA 94941	Web	Older American
This was a wire transfer deposit initiated on XX/XX/2023, ( Bank of New York Mellon ) which has not been deposited into my bank account ( XXXX XXXX ). It has been a month and this is too long. I called my bank to trace the transaction and they can not since, it is coming through another bank ( Mellon ) for the wire transfer, since this is an international transfer. I tried contacting Mellon Bank and they would not communicate with me since I do not have a direct account with them. It is obvious that the Mellon bank that the wire transfer is coming through is negligent and abusing their rights on holding my funds too long. They need to release my funds to my bank account as soon as possible. This has caused me a terrible hardship and a poor credit rating. This could also be considered Elder Abuse.
04/17/2018	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	VA 23602	Web
The checkbook to my Health Savings Account with XXXX was stolen from my car in XX/XX/2017. Several checks ( {$1900.00} worth ) were written by the thieves and paid by XXXX. I filed a police report and alerted XXXX of the theft. They had already closed my account since it was overdrawn from all the fraudulent checks that were written. At the time of the theft in XX/XX/2017 I had {$260.00} in my account and have requested this money be refunded. Over a year later I still have not received my money and XXXX is charging my account service/maintenance fees even though it is closed. I submitted all requested forms and affidavits about the theft and not one person from XXXX has ever called me about the status of my claim. I am asking for my account balance before the theft ( {$260.00} ) to be refunded.
11/15/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 90020	Web
Dear XXXX, At XXXX of XXXX we send the payment in XXXX dollars from our account at XXXX XXXX XXXX XXXX XXXX XXXX to our partner XXXX XXXX XXXX XXXX ) via the Bank of New York Mellon XXXX It was a payment for cartridges. Amount : {$29000.00} XXXX : XXXX Senders Reference : XXXX This payment was not received by the payment receiver. XX/XX/2022 XXXX XXXX ( XXXX XXXX ) informed us that the payment is in the process of conducting. Due to the fact that this amount is essential for our company we ask you to finish your control procedures as soon as possible. From our side We are ready to provide all necessary documents. If it is impossible to send this payment to the receiver, please, inform us how we can get our money back. Thanks in advance. Best regards. XXXX XXXXXXXX XXXX XXXX XXXX XXXX
05/23/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	XXXXX	Web
Dear CFPB, Could you please help me shed some light on the following issue? I've transferred XXXX USD from XXXX, XXXX ( XXXX ) to my wife 's account in XXXX XXXX (, XXXX ( XXXX ) on XXXX. The XXXX bank in chain was BNY Mellon ( XXXX ). The XXXX XXXX rejected my money on XXXX, due to XXXX invasion and possible sanctions, but money stuck in XXXX. I made request to XXXX and they responded that they don't see these money as blocked. I've tried to contact BNY Mellon directly, but they said that I'm not their customer. XXXX is disconnected from XXXX from XXXX I'm looking for a way to contact BNY Mellon and get this money transferred to my account in another country, because we have relocated and this will help us a lot. Thanks in advance for your help or any information.
05/10/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	MD 212XX	Web	Older American
I receive a retirement check of {$41.00} from XXXX bank XXXX New York. I did not receive it for the month of XXXX I contacted the bank and was asked to wait until the XXXX of XXXX which I did still did not receive it.I called today XXXX XXXX and was told it was cashed at the central bank in the XXXX.I am very upset this has never happened before. The XXXX bank wants me to wait for them to get the cashed check back before they do anything. I want to know how my check ended up in the XXXX XXXX when I live in The United States. This bank has had my retirement since I retired in XX/XX/XXXX so not having my address is not an issue I have received last months and the months before with no problem. It may not be much but it is mine. I want my checks on time as always.
09/27/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	GA 30318	Web
Multiple Unauthorized ATM transactions were made on my account in a foreign state, I notified the bank as soon as I was aware, I received a call from the fraud department in what seemed like they were interrogating me as if I was responsible for these charges. I received a letter stating they will not refund my money to my account because they feel the charges were " valid ''. I have followed all reporting guidelines as stated in on the " zero liability '' section of the account terms. as a customer I use have had hundreds of thousands of dollars worth of transactions on this account now that I am a victim of fraud the bank will not honor their own zero liability claim. Note this complaint will serve as pre-suit notice if a resolution can not be reached
10/07/2021	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	TX 761XX	Web
I had several fraudulent charges on my XXXX XXXX XXXX in XX/XX/2021. I called and reported the fraudulent charges and was issued a new card. They only reversed some of the charges. A few weeks later I received the attached letter stating they tried to call me with questions about the charges. I never received a call and the next day I faxed over the emails from the companies that stole my money stating I need to file a fraud claim with my card company. After 10 days I did not receive a response or a call so I sent another fax to the number on the letter they sent me asking why they have not credited the fraudulent charges as the card holder agreement states they would. It has been several days since the last fax and I have yet to be contacted
09/04/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 34109	Web	Servicemember
The XXXX XXXX XXXX XXXX XXXX fl XXXX has been in foreclosure off and on for 4 years The mortgages total over XXXX and the unit has been molded out due to banks failure to maintain it. There is XXXX in condo fees unpaid. The bank is paying the taxes. This is a miney loser for the banks so they are not going to finish the forclisure. They do not respond to inquiries. This is harmful to the neighbors - mold and the associations financial stability. We want the bank to cancel / void the mortgages and deed the property back to the association. They XXXX and the association wins. The owner left town. Can you help? XXXX XXXX. Board member of XXXX XXXX. The following banks are involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/08/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	DE 19720	Web
Good afternoon I am thXXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX My company sent funds to the counterparty XXXX XXXXXXXX XXXX XXXXXXXX XXXX as payment for the contract - in the amount of USD XXXX ( payment order No. XXXX dated XX/XX/2022 ) ; Correspondent bank of THE BANK OF NEW YORK MELLON. Information about payments in the annexes to this letter. Payments have not been received by the recipient. As far as I know, all payments are blocked. I ask you to help me set the details and the date of blocking payment. I contacted THE BANK OF NEW YORK MELLON by phone, but they refused to provide me with any information about the details and the date of blocking payments. Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/10/2016	Yes	Bank account or service Savings account	Account opening, closing, or management	GA 30338	Web
My company offers an HSA ( health savings account ) health insurance option with the HSA provided by XXXX and BNY Mellon. During the benefits enrollment period in XXXX 2015, my company strongly encouraged everyone to sign up for the HSA option over the tradtional PPO plans. I generally like the concept of HSAs and signed up for one, opting to contribute the maximum limit. Now XX/XX/XXXX, BNY Mellon has unilaterally decided to impose a $ XXXX/month fee on all balances below {$5000.00}. This was apparently a right reserved to them per the account terms to which we had to agree in order to opt-in to the HSA plan. As a consumer and employee, I never had the opportunity to fairly negotiate this as part of my benefits.
05/08/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	DE 19720	Web
Good afternoon I am the owner and XXXX of XXXX XXXX XXXX XXXX My company sent funds to the counterparty XXXX XXXX and XXXX XXXX as payment for the contract - in the amount of USD XXXX ( payment order No. 7 dated XX/XX/2022 ). Correspondent bank of THE BANK OF NEW YORK MELLON. Information about payments in the annexes to this letter. Payments have not been received by the recipient. As far as I know, all payments are blocked. I ask you to help me set the details and the date of blocking payments. I contacted THE BANK OF NEW YORK MELLON by phone, but they refused to provide me with any information about the details and the date of blocking payments. Sincerely yours, XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX.
12/17/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	NY 10025	Web
I received a " replacement '' Visa debit card in the mail, which looked like a real replacement card until I realized it had no bank info, the chip was just painted on, etc. I was supposed to call XXXX to activate the card, which I did not do. The envelope contained a " Checkwriting, ACH and Debit Card Services Agreement : Terms and Conditions '' printout, which cites " BNY Mellon '' as the overseeing company. The return address on the envelope is XXXX XXXX XXXX, XXXX, NE XXXX. ( My wife wrote " Visa debit card? '' on the envelope when she was sorting our mail. ) The " debit card '' is not plastic, it's just hard cardboard, but it's a good fake- if I hadn't been paying attention I could easily have been fooled.
10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30274	Web
I have sent XXXX a letter stating that I was exercising my right to opt out of the information being reported on my consumer report, per 15 USC 6802 as well as, 16 CFR 313.7 ( F ). Also taking back any authorization I may have given them. I have also sent a negotiable instrument in the form of an endorsed Security to XXXX and to their XXXX XXXX XXXX XXXX XXXX XXXX XXXX to discharge the credit card debt stated on my report. My account was never updated which is being reflected on my consumer report. Since payment of the debt was delivered this is a violation of the FCRA for reporting inaccurate information. A copy of the security sent will be attached as well as, the notices I sent out to XXXX
05/08/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	DE 19720	Web
Good afternoon I am the owner and manager of XXXX XXXX My company sent fund to XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ), Via XXXX XXXX XXXX, XXXX payment for the contract - in the amount of USD XXXX XXXX XXXX Correspondent bank of THE BANK OF NEW YORK MELLON. Information about payments in the annexes to this letter. Payment have not been received by the recipient. As far as I know, all payment is blocked. I ask you to help me set the details and the date of blocking payments. I contacted THE BANK OF NEW YORK MELLON by phone, but they refused to provide me with any information about the details and the date of blocking payments. Sincerely yours, General Director of XXXX XXXX XXXX XXXX XXXX
11/14/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	MA 024XX	Web	Older American, Servicemember
Every month a XXXX XXXX wires money here to my XXXX XXXX account XXXX of XXXX XXXX, TX. It has been done for many years on the XXXX of each month, arriving generally in my US account around the XXXX of the month. Redacting this we are now the XXXX of the month and nothing yet. Did contacted the XXXXXXXX XXXX XXXX and they went through the process to see of any errors, but nothing. Have to inform you that International wire transfers to XXXX XXXX have to go through MELLON Bank in NY. Never did I have any issue with the Bank wire transfer. I need that money urgently because I have huge medical bills following XXXX XXXX XXXX, XXXX, and now XXXX XXXXXXXX XXXX. Sincerely, XXXX XXXX
11/15/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 90020	Web
Dear XXXX, At XXXX of XXXX we send the payment in XXXX dollars XXXX our account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX our partner XXXX XXXX XXXX XXXX ) XXXX the Bank of New York Mellon XXXX It was a payment for buying of XXXX Amount : {$10000.00} UETR : XXXX Senders Reference : XXXX This payment was not received by the payment receiver. If this payment is also at your compliance procedures, we ask you to finish it as soon as possible. From our side we are ready to provide all necessary documents. If it is impossible to send this payment to the receiver, please, inform us how we can get our money back. Thanks in advance. Best regards. XXXX XXXXXXXX XXXX XXXX XXXX XXXX
12/16/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	NJ 07052	Web	Older American
Mr. XXXX XXXX from BNY Mellon Investment management cashed my $ XXXX- Check from XXXX XXXX , with my deposit form on XX/XX/2020. But he refused to mail me my acct. Fund 's new detail Statement, and repeatedly to asking me to sign distribution request form with medallion signature guarantee. Despite he got my distribution form with my signature guaranteed by XXXX XXXX XXXX manager in 3 years ago, as to donate it to XXXX XXXX XXXX XXXX checking acct. at XXXX XXXX and XXXX XXXX indeed did it for 3 years already. Please ordered Mr. XXXX to mail me my acct Fund 's new detail statement at once, and stop to discriminated me as a multiple XXXX, elderly, XXXX, XXXX. Thanks!
07/10/2017	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	OR 97116	Web	Servicemember
I received a home equity line of credit from XXXX XXXX XXXX XXXX in XXXX Oregon. I used some of the money to pay off my XXXX XXXX account. A cashier 's check # XXXX in the amount of {$14000.00} was mailed to XXXX XXXX, XXXX XXXX XXXX, XXXX, IL. XXXX Ref XXXX. Bank of New York Mellon fraudulently cashed the check and deposited the funds into their bank. Both myself and XXXX have contacted Bank of New York Mellon and as of today ( X/XX/2017 ), 55 days after they stole the money they have not refunded anything. XXXX has loaned me another {$14000.00} so I could pay off the XXXX account so now I 'm still on the hook for the missing {$14000.00}. I want my money back NOW.
03/11/2016	Yes	Bank account or service Other bank product/service	Problems caused by my funds being low	CA 94110	Web
BNY Mellon implemented a monthly account fee for HSA ( Health Care Savings Accounts ). This fee is for any balance below {$5000.00} and was implemented AFTER these accounts were set up through my employer. By LAW I can only put {$3600.00} in this account in a single year and I am being penalized by BNY Mellon. I submitted this complaint a few days ago, but I can not find it. The ref. number is : XXXX BNY Mellon has a service contract with XXXX and is servicing 100 's of thousands of new customers with HSA accounts. This fee will give them automatically several million dollars in new revenue each month. This fee targets low income people.
07/31/2021	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	XXXXX	Web
XXXX XXXX initiated XXXX for me to XXXX based on share sale proceeds. This happened on XXXX of XXXX. Bank of New York Mellon is intermediary bank which is meant to send my money to XXXX XXXX. They held my money citing further information about me personally which I provided. They held on to my money for another 2 weeks after than then asked me for more information. This was based on discrimination purely because of my name. They asked if I ever had these weird names, they also asked me if I have to ties to XXXX or XXXX. Im an XXXX citizen working for a US based company. It is discrimination to signal me out preludes because of my name.
07/21/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	CA 92570	Web
XXXX XXXX assigns and transfer a deed of trust from XXXX XXXX XXXX to Bank of New York Mellon a deed of trust instrument # XXXX recorded in XXXX XXXX records in California on XXXX. The address and information in this assignment is from debt collector, The debt collector XXXX XXXX XXXX XXXX made false representation about, this assignment. XXXX XXXX XXXX are collecting on a trust that is been charge off on XXXX and when they receive the debt was already on time bare to collect. I want bank of New York Mellon to release this loan that is not in their book entry. And XXXX XXXX XXXXXXXX XXXX rescind the corporate assignment.
03/07/2016	Yes	Bank account or service Savings account	Problems caused by my funds being low	CA 94110	Web
I set up an HSA ( Health Savings Account ) through XXXX and administered by BNY Mellon. After the accounts were set up a new $ XXXX/month fee was added to administer the account. This was NOT disclosed at time of setting up the account and I have no options. I am required to use this bank. This impacts XXXX HSA account holders forced to use this service through their employers and XXXX. {$2.00} is not a lot, but they are charging me to hold my money multiplied by hundreds of thousands more people. This looks like bait and switch and puts over $ XXXX per month into the hands of BNY Mellon for doing basically nothing.
10/14/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	FL 32164	Web
In XX/XX/2021 I was transferring my Florida XXXX to a XXXX XXXX account and the check got separated from the paperwork. The original check was deposited into a XXXX account ( I have copies of the original check and the XXXX check ) at Bank of New York Mellon. I have reached out numerous times to try to find this check. BNYM Research and Resolution Dept will not talk directly to the public to assist me in finding my retirement money. SOMEONE has the authority to trace these checks and find my money. PLEASE have someone look into this matter. I am desperate to find these funds. It is my ONLY retirement savings.
08/02/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	CA 92584	Web	Servicemember
Received two letters in the mail, one addressed to me ( name spelled incorrectly ) and one addressed to the occupants of my home address. The date executed on paper states XX/XX/XXXX. The letter is informing that my property will be sold if the amount of {$21000.00} isnt paid within 90 days. In the paperwork the notice is given by XXXX XXXX XXXX and the deed trust dated XX/XX/XXXX, executed by XXXX XXXX, AND XXXX XXXX XXXX. This looks like an old debt that these two people never paid when they used to own the house. I purchased this home on XX/XX/XXXX. All my finances are current and up to date
01/14/2022	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	WA 989XX	Web
Hello Representatives of the CFPB : I have waited with no response - from the agency you had forwarded the original highly egregious issue with BNY MELON ( XXXX ) XXXX Savings Account card fraud. Nothing!!! No one has contacted or corresponded about the issue or any type of action! What is going on?? How can people trust any banking system if you can't even get help with an HSA card? I have the total numbers and dates recorded with the XXXX supervisor on exactly the dates and amounts which add up to : {$350.00} in fraud charges. BNY Melon and XXXX show zero fiduciary responsibility here.
07/13/2015	Yes	Credit card	Billing disputes	NY 10704	Web	Older American
There where Fraud on XXXX ( XXXX ) Credit Cards ; XXXX which was never activated by myself. XXXX XXXX XXXX Issued By Bank of New York and No. Pin requested or Card receivedCard No. XXXX BNY Mellon Florida for the sum of XXXX ( card No.was obtain through XXXX Fraud Dept. Activated XX/XX/2015Shell Fuel Rewards Card No. XXXX XXXX XXXXCard No. XXXX Never Activated in My Possession at the time usedCard used XXXX/XXXX/2015 thru XXXX/XXXX/2015 For the sum of XXXX XXXX Issued By XXXX XXXX Card No. XXXX XXXX XXXX XXXX in my possession. Card Used on XX/XX/2015 For the sum of XXXX Total XXXX
03/22/2020	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NJ 07205	Web
I'm a victim of an illegal foreclosure. I'm supposed to evicted on XX/XX/2020 Attached is the illegal process that have taken place. Also attached is sheriff deed and statements from the attorney 's. No one will submit proof that my house was paid for at auction or any time afterward. The only statements that the attorney 's and sheriff will say is that a highest bidder won the bid. I've requested proof from the sheriff and the bidder that my house was paid for. So far as up to date no one has submitted proof or signed a certified affidavit to verify that my house was paid for.
04/08/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30305	Web
On XX/XX/2020 I sent a certified letter to BNY Mellon regarding my mortgage that served as a Qualified Written Request under Section 6 of RESPA. They confirmed receipt both verbally and I have the certified, return receipt post card dated XX/XX/2020. They have yet to respond to me in writing on my request. I will attach all of the documentation but they are not allocating my payments timely, sometimes 60 days after cashing my funds, continuing to provide incorrect statements, and not allocating all of my payments to my account. This is inflating my balance.
04/13/2015	Yes	Bank account or service (CD) Certificate of deposit	Deposits and withdrawals	PA 190XX	Web	Older American
CDs were purchased from XXXX Bank which was acquired by XXXX bank. XXXX was acquired by BNY Mellon. They were never cashed in and have been sitting in my husband 's office. They are in my name with my SS # on the front. BNY Mellon is refusing to honor these CDs. I have attached copies of them to this complaint. We have checked with unclaimed property of Pennsylvania and they have done an investigation and did not achieve resolution with the bank. This is my hard earned money and I purchased these CDs expecting to be paid back. I have the original CDs.
04/17/2015	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	FL 33486	Web
The Bank of New York Mellon offers a Heath Savings Account. On their website they provide Electronic Funds Transfer to make deposits into the HSA account electronically from your bank or credit union. I made an EFT deposit into my HSA using the Bank of New York Mellon HSA website on XXXX XXXX, 2015. My personal bank account was debited on XXXX XXXX, 2015 for the amount. As of today, XXXX XXXX, 2015, my HSA Account at the Bank of New York Mellon does not reflect the EFT deposit despite the fact that they have had the funds for XXXX days.
01/27/2023	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	FL 32836	Web
In XXXX XXXX XXXX I executed a mortgage between XXXX XXXX XXXX and myself. Eventually, XXXX XXXX XXXX took over XXXX. In XXXX, the Bank of New York attempted to foreclose on my home based on falsified paperwork and fraud in court. Bank of New York claimed that I owed approximately XXXX XXXX To this day, I am still facing this problem, and other banks have claimed that I owe them. This includes the Bank of New York. These claims are false and rest on falsified paperwork that occurred during the mortgage scandal in the late XXXX.
03/27/2018	Yes	Checking or savings account Other banking product or service	Closing an account Company closed your account	DC 20017	Web	Servicemember
XXXX is changing Health Savings Account ( HSA ) providers with limited notice from BenefitWallet ( Bank of New York Mellon ) to an account with " Further ''. HSA holders are asked to sell any investments and transfer their funds as of XX/XX/XXXX or to pay a {$25.00} fee to transfer after XX/XX/XXXX. Account holders are also required to pay monthly fees to maintain a BenefitWallet account after XX/XX/XXXX. The CFPB should prevent health plans from making unilateral changes to service providers with less than 1 month notice.
06/02/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	CA 92106	Web	Older American
I appreciare your response on the subject. From the response letter, I understand that BONY sent back both the drafts in question to XXXX XXXX XXXX XXXX. Please confirm and also advise me where in XXXXXXXX XXXX XXXXXXXX XXXX these drafts were sent? I want to know which branch or which depatment these drafts were sent to in XXXXXXXX XXXX XXXXXXXX XXXX. This will facilitate me in moving forward with XXXXXXXX XXXX XXXX XXXX for pending payment of my money. I will really appreciate that. Thank you very much.
02/02/2016	Yes	Bank account or service Checking account	Making/receiving payments, sending money	MN 55406	Web
There has been a unathorized transactions that occured on my account, I reported this trasaction promply, however the bank did not address this trasaction even though I completed all of the claim forms. I am a victim of fraud and have provided a police report as well. XXXX/XXXX/2015 DEBIT CARD PURCHASE XXXX XXXX XXXX XXXX MN ( Cash ) - {$1500.00} XXXX/XXXX/2015 DEBIT CARD PURCHASE XXXX XXXX XXXX XXXX MN ( Cash ) - {$1500.00} XXXX/XXXX/2015 DEBIT CARD PURCHASE XXXX XXXX XXXX XXXX MN ( Cash ) - {$1000.00}
04/17/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AL 359XX	Web
My employer XXXX conference called the bank of New York Mellon for my benefit wallet account. They told me to mail a new signature card. I did my account was still not open, then they said I needed to send a {$52.00} money order for the XXXX fees. Even though someone stole my checks and used them. I sent in the money order. And they have still havent given me access to my account. My employer has made deposits and I need those funds to pay for XXXX. My health is getting worse without this needed XXXX.
11/18/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 90020	Web
Dear Sir/Madame, At XXXX of XXXX we sent the payment in US dollars from our account in XXXX ( XXXX ) to XXXX via the Bank of New York Mellon as a payment by contract ( buying a sanitary ware and accessories for a bathroom ). Amount : USD XXXX XXXX : XXXX Senders Reference : XXXX This payment was not received by the payment receiver. We tried to cancell this payment but we didnt get an answer. Please, let me know how we can get back our money. Thanks in advance. Best regards. XXXX XXXX XXXX
07/24/2020	Yes	Checking or savings account Other banking product or service	Closing an account Company closed your account	MS 39206	Web
Car accident Attorney XXXX XXXX XXXX Of XXXX XXXX XXXX XXXX NY. And my wanted fugitive mother XXXX XXXX XXXX stole my entire car accident settlement. I never hired XXXX but he opened an escrow account in name and used to deposit car settlement check and take funds out of the escrow account. I never got a penny. I filed a complaint With the XXXX XXXX XXXX grievance committee they refuse to disbar him. I want to make sure the escrow account is closed. I dont know what bank used mostly BNY Mellon.
10/24/2022	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	NH 038XX	Web
Please see case # XXXX for full details. They have not responded to me or given an update since their initial response on XX/XX/2022. They said they have " reopened my case and are re-evaluating my claim ''. They are clearly kicking the can down the road and hoping that I give up. Please light a fire under them. They have been jerking me around for months now. I have a legal right to be reimbursed for fraudulent transactions, and this company is clearly violating my rights as a consumer.
01/02/2023	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	MN 564XX	Web
I have a XXXX debit card through XXXX XXXX. Apparently the card is serviced by BNY Mellon Bank. While I was in XXXX, the card was used in XXXX MN to charge {$89.00} at XXXX XXXX on XX/XX/XXXX. Just a few hours later, which was XX/XX/XXXX in XXXX, I used the card to withdraw {$350.00} at an ATM. It was impossible for me to be in both places making such a transaction. BNY Mellon denied the claim, saying it was a valid charge at XXXX XXXX. XXXX was no help, just referring me back to BNY Mellon.
05/18/2023	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	IL 60647	Web
I am being evicted from my property my late mother inherited a quitclaim deed before she passed in XXXX. I filed an notice of appeal XXXX XXXX and received an appellate number. I also filed in federal court. I filed adversary proceeding with to quiet title. The debt is time barged and its passed its statue of limitations. It is not under my name and did it sign anything with the creditors. Only under my late mother estate. Which it should of went to probate?
03/05/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	VA 23228	Web
I lost my wallet which included my XXXX XXXX debit card # ending XXXX along with other card accounts and pin numbers, while out running errands back in XXXX. While lost someone found my wallet and proceeded to make unauthorized atm charges on my account on XX/XX/19 in West Virginia. I live in VA and spend a lot of time In NC but rarely if ever travel to WV. I reported the fraud and the bank refused to honor my fraud claim and refund the charges.
11/23/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 90020	Web
Dear Sir/Madame, At XXXX of XXXX I sent a payment in XXXX dollars from my account in XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) via the Bank of New York Mellon XXXX It was a payment for buying a car XXXX XXXX XXXX Amount : USD XXXX Transaction Reference Number : XXXX This payment was not received by the payment receiver. Please, let me know how I can get back my money or deliver money to the receiver. Thanks in advance. Best regards. XXXX
10/07/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	DE 19720	Web
On XX/XX/XXXX, I sent a bank transfer that was not credited to the recipient 's account. Transaction Registration Number XXXX XXXX XXXX The amount is {$30000.00} The purpose of the transfer is to purchase a XXXX XXXX XXXX. The transfer is being checked at the correspondent Bank of the BANK of NEW YORK MELLON. As of XX/XX/XXXX, the money has not been delivered to the recipient I ask you to transfer money to the recipient 's bank
05/13/2023	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	MD XXXXX	Web
Dear CFPB, I have a Health Saving Account ( HSA ) with Bank of New York Mellon ( my account ends in XXXX ). These are federally administered accounts. There should be NO monthly fees on this account. For the past 10 years, Bank of New York Mellon has been charging me and other millions of Americans almost {$5.00} per month. This is fraud. Please contact this bank and ask them to stop this and they should refund this monthly fees.
03/29/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Funds not received from closed account	PA XXXXX	Web
My husband is turning XXXX and we called to cash in IRA CDs he purchased XX/XX/XXXX through XX/XX/XXXX. Mellon Bank was purchased by Bank of New York and we were told the IRA CDs were held under XXXX Mellon. We provided XXXX Mellon the information from the CDs ( we have the original certificates ) but they claim they can't locate them. They keep giving us the run around and are not even trying to locate our money.
12/05/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PA 193XX	Web
I work at XXXX, and have HSA savings and investment accounts. Recently when I was looking at my statements I was surprised to find $ XXXX fee for HSA investment account. On top of this the bank ( BNY Mellon ) also charges $ XXXX fee for HSA savings account. This HSA savings account fee ( $ XXXX fee ) is paid by my employer XXXX. This are very high monthly fees for relatively low balance account.
01/06/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	NY 111XX	Web
Responding to XXXX 's response herein from Complaint ID XXXX : XXXX XXXX 's correspondence letter does XXXX provide a specific reason why my instruction was deemed " Not In Good Order ''. XXXX 's failure to execute my instructions and XXXX 's conduct including miscommunications that XXXX admits to, from representatives belonging to XXXX is unacceptable financial institution behavior.
07/28/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 15241	Web	Older American
We were with XXXX in XXXX, sold to XXXX XXXX XXXX. In XXXX, in the MIDDLE of a " promised '' modification, we were sold to XXXX XXXX XXXX. Bank of NY Mellon supposedly holds the note ( see attached ). We have repeatedly asked for the location of the note with no response. Most recently we sent a certified letter received by BNY Mellon but NO RESPONSE.
10/06/2019	Yes	Money transfer, virtual currency, or money service Foreign currency exchange	Confusing or missing disclosures	GA XXXXX	Web	Servicemember
I am going through a divorce and the virtual currency has been discovered and now documents are going to be supeona. Can you help me understand and where to look to retrieve all the currencies and any transactions. The funds was hidden but they now have been found Any advice would help. Address is XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX
05/18/2020	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	CA 902XX	Web	Older American
I purchased a WiFiBooster On the internet using my MasterCard XXXX Transaction date XX/XX/2020 XXXX merchant purchase Terminal XXXX XXXX XXXX XXXX USD {$58.00} Never received WiFiBooster Nor has BNY Mellon / MasterCard Helped Incidentally the company from whom I purchased the WiFiBooster has many fraudulent complaints on the Web
05/18/2022	No	Mortgage Conventional home mortgage	Trouble during payment process	NM 870XX	Web	Servicemember
In XXXX of 2017, check copy enclosed. BNY Mellon cashed a check and my mortgage company did not received the funds. Mortgage company is XXXX, ( Check enclosed ). When the check was cashed and not credited to me from XXXX, XXXX issued a bad credit rating to me for over 5 years. This caused serious damage to my credit.
10/02/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	PA 18042	Web
XX/XX/2023 I was at my bank XXXX to do a international wire transfer of {$14000.00}, the transfer was incomplete and sent as a domestic transfer to New York Bank of Mellon. My bank said that they did a recall on the money but up to date there's no respond from the New York of Mellon to track the money.
07/28/2022	Yes	Checking or savings account Checking account	Managing an account Cashing a check	FL 33709	Web	Older American
I am a victim of check forgery. The bank caught XXXX of XXXX checks, I found the third. I have followed all their instructions and submitted all documentation for their investigation. The bank will not give any time frame for their investigation to be resolved. No time frame.
11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	AL 366XX	Web
I hope this letter finds you well. I am writing to express my serious concerns regarding what appear to be violations of security regulations by your company. It is with great disappointment that I must bring this matter to your attention.
01/24/2020	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	NY 10009	Web
Attempted to claim HSA funds multiple times from company for the amount remaining in account. Claims were all denied stating insufficient funds. Spent over 3 hours on phone with multiple customer service representative without resolution.
01/10/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	VA 22201	Web
On, XXXX/XXXX/16, XXXX withdrew {$65.00} from my XXXX XXXX checking account in an authorized direct debit transaction. I have tried to resolve the issue with both XXXX XXXX and XXXX with no luck. I would like a refund of my {$65.00}
01/10/2018	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	VA 22201	Web
On XXXX/XXXX/2017, {$300.00} was direct debited out of my XXXX XXXX Checking account by XXXX. I did not authorize this transaction. I have tried to contact XXXX/BNY Mellon and XXXX and have not been able to resolve this.
10/31/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 931XX	Web	Older American
Our XXXX, XXXX, XXXX, and numerous other recurring charges were not paid, numerous checks were bounced, and our debit card has been diabled for a month denying is access to our entire savings and our retirement income.
07/06/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	PA 19464	Web
Bank of New York Mellow filed judgment XXXX against us even though we had already filed Chapter XXXX and loan was discharged XX/XX/XXXX by XXXX XXXX XXXX United States Bankruptcy Judge
04/25/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Banking errors	NY 14224	Web
Bank of NY Mellon, FDIC XXXX, issued a cd ( XXXX XXXX XXXX XXXX ) which I purchased through XXXX. The coupon payment date for the cd was XX/XX/23. They have yet to make any payment.
11/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Report provided to employer without your written authorization	FL XXXXX	Web
My mother gained acess to my XXXX XXXX with the prior companies I worked for I cant find it. XXXX XXXX, XXXX , XXXX XXXX and XXXX XXXX XXXX
08/30/2016	Yes	Bank account or service Checking account	Making/receiving payments, sending money	MO 65101	Web
UNABLE TO WITHDRAW FUNDS FROM CHECKING ACCOUNT. BANK WOULD NOT HONOR CHECK FOR BALANCE SINCE IT WAS AN ELECTRONIC CHECK.
08/22/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	CA 92106	Web	Older American
My bank in XXXX transferred money to Bank of New York. I am having problems with bank of New York to get the payment.
12/16/2019	Yes	Money transfer, virtual currency, or money service Traveler's check or cashier's check	Confusing or missing disclosures	CA 94520	Web
I want to pull from reserve
01/30/2024	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	NJ 070XX	Web

01/30/2024	Yes	Mortgage Conventional home mortgage	Trouble during payment process Loan sold or transferred to another company	PA 19050	Referral

01/28/2024	Yes	Money transfer, virtual currency, or money service International money transfer	Fraud or scam	CO 80110	Web	Servicemember

01/25/2024	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	CT 06824	Referral

01/24/2024	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	CA 92653	Referral

01/23/2024	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Application denied	TX 76147	Web

01/22/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30309	Referral

01/20/2024	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY 11951	Web

01/20/2024	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY 11951	Web

01/16/2024	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	KY 41091	Phone

01/14/2024	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	GA 30318	Web

01/09/2024	Yes	Credit 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 11542	Web

01/09/2024	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	IN 46845	Web	Older American

01/01/2024	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	CA 92606	Web

12/27/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	NJ 07002	Web

12/22/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	LA 70461	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30044	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MT 594XX	Web

12/19/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	FL 32772	Referral

12/14/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	DE 19720	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06112	Web

12/10/2023	Yes	Checking or savings account Checking account	Managing an account Cashing a check	TX 77018	Web

12/07/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NV 89108	Web

12/06/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	45651	Web

12/04/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage Foreclosure	FL 33024	Web

11/23/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	MI 48071	Web

11/22/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	TX 75204	Web

11/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IN 46403	Web

11/14/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	XXXXX	Web

11/10/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Application denied	IL 60653	Web

11/08/2023	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	NC 28216	Web

11/07/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	TX 75232	Web

10/31/2023	No	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	GA 30047	Web

10/26/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	FL 33131	Referral

10/22/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Credit card company forcing arbitration	NV 89121	Web

10/20/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	VA 22191	Web

10/16/2023	Yes	Money transfer, virtual currency, or money service Money order, traveler's check or cashier's check	Fraud or scam	AZ 85388	Web

10/01/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY 11236	Web	Servicemember

09/27/2023	Yes	Checking or savings account Other banking product or service	Closing an account Company closed your account	AL 35242	Phone	Older American

09/22/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	DE 19720	Web

09/14/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	DE 19720	Web

09/08/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage Trying to communicate with the company to fix an issue with the application process	AL 35242	Referral

09/01/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	GA 30680	Web	Older American

08/30/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 91436	Web

08/18/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 34689	Web

08/17/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Can't close your account	OH 44452	Web	Older American

08/17/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	KY 40241	Web

08/14/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Can't close your account	OH 44452	Web	Older American

07/28/2023	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	CA 90012	Phone

07/27/2023	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	CA 90012	Web

07/24/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	XXXXX	Web

07/17/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	CA 90740	Web Referral

07/13/2023	No	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	XXXXX	Web

07/13/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	XXXXX	Web

07/13/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CO 80260	Phone	Servicemember

07/12/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 92660	Web

07/11/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PA 19022	Phone	Older American

06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48044	Web

06/19/2023	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 32744	Web

06/17/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91010	Web

06/12/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60620	Web

06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33169	Web

05/30/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92113	Web	Older American, Servicemember

05/03/2023	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	MN 56470	Web Referral

04/29/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	SC 29924	Referral

04/25/2023	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	CA 94546	Referral

04/17/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	FL 33010	Web

04/17/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PA 19022	Phone	Older American

04/11/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	CA 94928	Web

04/04/2023	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	XXXXX	Phone

04/04/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 92123	Web

04/03/2023	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	XXXXX	Phone

04/03/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	XXXXX	Phone

04/02/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 92123	Web

04/02/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 92123	Web

03/31/2023	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	NV 89131	Web

03/31/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	PA 19022	Phone

03/29/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	XXXXX	Web

03/24/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	NY 10172	Web

03/19/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 92123	Web

03/19/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 92123	Web

03/17/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 94704	Web

03/11/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	WI 54729	Web	Older American

02/28/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	NY 10286	Web

02/17/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 92123	Web

02/15/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	GA 30134	Referral

02/14/2023	Yes	Checking or savings account Checking account	Managing an account Cashing a check	CA 90212	Referral

02/14/2023	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	SC 29073	Referral

02/12/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 90020	Web

02/07/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	PA 18512	Web

01/30/2023	Yes	Credit card or prepaid card Government benefit card	Unexpected or other fees	TX 75092	Web

01/26/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	VA 23693	Web

01/24/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	XXXXX	Web

01/23/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	IL 60657	Web

01/23/2023	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	LA 70052	Phone

01/13/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 92123	Web

01/11/2023	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 92082	Referral

01/10/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	XXXXX	Web

01/05/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	KY 40219	Referral

12/30/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	XXXXX	Web

12/30/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 90020	Web

12/28/2022	Yes	Checking or savings account Checking account	Managing an account Cashing a check	FL 34429	Postal mail

12/28/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 90020	Web

12/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 34429	Postal mail

12/27/2022	Yes	Credit card or prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	FL 34429	Postal mail

12/20/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	NY 10001	Web

12/16/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 92123	Web

12/14/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 90020	Web

12/12/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 90020	Web

12/10/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 90020	Web

12/07/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 92123	Web

12/02/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 92123	Web

12/02/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 92610	Web	Older American

12/01/2022	No	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	FL 33065	Referral

11/29/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	XXXXX	Web

11/28/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 90020	Web

11/26/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 90020	Web

11/22/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	XXXXX	Web

11/22/2022	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	NH 03873	Referral

11/19/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	FL 33147	Web

11/10/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	PA 19090	Web

11/09/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 90020	Web

11/09/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 90020	Web

11/09/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CA 90020	Web

11/09/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	PA 19090	Web

11/02/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90064	Referral

10/30/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	PA 19050	Web

10/28/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	OR 97210	Web

10/24/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	FL 33147	Web

10/21/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92407	Referral

10/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 49058	Web

10/13/2022	Yes	Checking or savings account Checking account	Managing an account Cashing a check	CT 06268	Referral

10/12/2022	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	KY 40219	Web

10/11/2022	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	IL 60620	Phone

10/11/2022	Yes	Money transfer, virtual currency, or money service Money order	Fraud or scam	DC 20001	Web

10/11/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	VA 22314	Web

10/11/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60004	Web

09/22/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	FL 33147	Web

09/20/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	NY 10001	Web

09/04/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	XXXXX	Web

08/25/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 33477	Web	Older American

08/10/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NY 10044	Phone

07/07/2022	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	KS 66204	Web Referral

07/05/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MA 02119	Web

06/28/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	XXXXX	Web

06/27/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 90623	Web

06/22/2022	No	Mortgage Conventional home mortgage	Incorrect information on your report Personal information incorrect	NY 12528	Phone

06/06/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	TX 77388	Web	Older American, Servicemember

06/03/2022	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	FL 32164	Referral

05/27/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 44266	Referral

05/23/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 90272	Web

04/30/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PA 15129	Web

04/22/2022	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	TX 78749	Web

04/18/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33462	Web

03/29/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	DC 20012	Referral

03/25/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	CO 80524	Referral

03/22/2022	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	PA 19136	Web

03/21/2022	Yes	Mortgage Reverse mortgage	Trouble during payment process	NJ 08865	Referral

02/16/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	FL 32164	Referral

02/10/2022	No	Checking or savings account Savings account	Closing an account Can't close your account	OR 97355	Referral

01/26/2022	Yes	Checking or savings account Other banking product or service	Opening an account Account opened as a result of fraud	CA 94545	Referral

01/25/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33413	Phone	Older American

01/23/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	SC 29708	Web

01/08/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 38018	Web

01/03/2022	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	FL 33063	Web

12/29/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 93003	Web

12/22/2021	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	NJ 07860	Referral

12/13/2021	Yes	Debt collection Mortgage debt	Communication tactics Frequent or repeated calls	MA 01607	Referral

12/03/2021	No	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 92649	Web	Servicemember

11/29/2021	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 30126	Web

11/04/2021	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	NY 13780	Phone	Older American, Servicemember

10/25/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	AZ 85009	Phone	Older American

10/05/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 30294	Referral

09/28/2021	Yes	Checking or savings account Checking account	Managing an account Banking errors	NY 12589	Postal mail

09/16/2021	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	TX 76104	Referral

09/09/2021	Yes	Mortgage VA mortgage	Struggling to pay mortgage	CA 92174	Web	Servicemember

08/30/2021	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	NY 10310	Referral

08/09/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	FL 33186	Phone	Older American

08/09/2021	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	GA 30318	Referral

08/02/2021	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	IL 60639	Web

07/27/2021	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	NY 12589	Referral

07/27/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 32539	Web

06/24/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90620	Web

06/23/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 33157	Phone	Older American

06/18/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77380	Referral

06/15/2021	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	CO 80108	Referral

05/11/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 90025	Web

05/07/2021	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	OK 73013	Referral

05/04/2021	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	CA 92037	Phone	Older American

04/20/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	FL 34715	Phone	Older American

04/19/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 78628	Referral

04/13/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	CA 92106	Referral

04/12/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 34232	Referral

04/05/2021	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	XXXXX	Web

03/18/2021	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	CT 06770	Referral

03/16/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33013	Referral

03/04/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AZ 85250	Referral

02/11/2021	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	IL 60661	Web

02/09/2021	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	CA 91302	Referral

01/31/2021	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MS 39322	Web

01/27/2021	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals		Phone

01/08/2021	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	NY 11222	Web

12/31/2020	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AR 72941	Fax	Servicemember

12/14/2020	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	PA 18702	Phone

12/01/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	NJ 08753	Phone

11/24/2020	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	FL 33436	Referral

11/23/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	MA 01106	Referral	Older American

11/13/2020	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 Investigation took more than 30 days	AR 72802	Web	Older American

10/30/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95037	Phone

10/22/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 76548	Phone	Servicemember

10/05/2020	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	CA 92801	Web

10/02/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92234	Referral

09/24/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MA 01778	Phone	Older American

09/18/2020	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	NY 11967	Phone

09/08/2020	No	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	NY 14221	Phone

09/08/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	DE 19720	Phone

08/12/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33618	Postal mail

07/21/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 34206	Referral

07/15/2020	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	MD 20646	Web	Older American

06/30/2020	Yes	Money transfer, virtual currency, or money service International money transfer	Fraud or scam	NJ 07011	Web

06/15/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WA 98045	Referral

06/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	NV 89101	Web

05/19/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 33301	Referral

05/14/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 90210	Referral	Older American

05/12/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 15136	Phone	Older American

05/05/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NY 10272	Referral

03/27/2020	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	NJ 07417	Referral

03/18/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 33129	Phone

03/16/2020	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	XXXXX	Referral

03/09/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	VA 22314	Web

02/13/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92659	Referral

02/03/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MN 55805	Phone

01/23/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Referral

01/22/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Phone

01/06/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NV 89014	Referral

12/27/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07111	Referral

12/17/2019	Yes	Checking or savings account Savings account	Managing an account Fee problem	NY 12208	Referral

12/16/2019	Yes	Money transfer, virtual currency, or money service Traveler's check or cashier's check	Confusing or missing disclosures	CA 94520	Web

12/16/2019	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	IA 50548	Phone

12/12/2019	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	GA 30102	Referral

12/06/2019	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	XXXXX	Web

11/29/2019	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	MA 02760	Referral

11/22/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NJ 08057	Web	Older American

11/06/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors	TX 78245	Web	Servicemember

10/09/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Referral

10/02/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NY 11374	Referral

09/23/2019	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	TX 78240	Referral

08/22/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	NY 14004	Web	Servicemember

08/14/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NJ 08057	Web	Older American

08/14/2019	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	NJ 07631	Phone	Older American

07/15/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	OH 44691	Referral

06/20/2019	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	AZ 85258	Web

06/05/2019	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	AZ 85937	Web

05/16/2019	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	CA 95747	Referral

04/30/2019	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	WI 54703	Referral

04/24/2019	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	OH 45402	Referral

04/08/2019	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	ME 04345	Phone

03/08/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AZ 85260	Web

02/25/2019	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	CO 80224	Referral

02/23/2019	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	TN 37777	Web

02/21/2019	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem		Referral

01/30/2019	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	MA 01880	Web

01/10/2019	Yes	Checking or savings account Other banking product or service	Closing an account Company closed your account	NY 13350	Web

12/21/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals		Referral

12/06/2018	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	TX 76648	Referral

10/05/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	ID 83712	Web

08/31/2018	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	MI 48185	Phone

08/23/2018	Yes	Money transfer, virtual currency, or money service International money transfer	Fraud or scam	XXXXX	Web	Older American

08/10/2018	Yes	Checking or savings account Savings account	Managing an account Problem using a debit or ATM card	NY 11763	Referral

06/21/2018	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 94040	Referral

06/20/2018	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	CA 90220	Referral

06/05/2018	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	CT 06825	Web

05/16/2018	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	XXXXX	Web

05/08/2018	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	IL 60503	Referral

05/07/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 78209	Web

04/21/2018	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CA 95361	Web

04/13/2018	Yes	Checking or savings account Other banking product or service	Problem caused by your funds being low Bounced checks or returned payments	CA 92656	Web

04/09/2018	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	MD 21074	Web

04/06/2018	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	NC 28037	Referral

04/05/2018	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	TX 75202	Referral

03/22/2018	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	NC 28037	Web

03/14/2018	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	NY 11217	Referral

03/09/2018	Yes	Money transfer, virtual currency, or money service Virtual currency	Fraud or scam		Phone	Servicemember

02/22/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	FL 32712	Fax

02/02/2018	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	XXXXX	Web

01/29/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	MO 63127	Referral

01/25/2018	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	MD 20910	Web

01/22/2018	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	PA 17112	Referral

01/04/2018	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	TX 76135	Web	Servicemember

12/23/2017	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	AZ 85260	Web

12/21/2017	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Overcharged for something you did purchase with the card	MO 64081	Web

12/18/2017	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CA 93003	Web	Older American, Servicemember

11/08/2017	Yes	Checking or savings account Savings account	Managing an account Problem using a debit or ATM card	CA 94040	Referral

10/31/2017	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	AR 72703	Referral

10/24/2017	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	NY 11217	Referral

10/15/2017	Yes	Checking or savings account Other banking product or service	Unable to get your credit report or credit score Other problem getting your report or credit score	NY 14202	Web	Older American

10/13/2017	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	OR 97116	Referral

10/08/2017	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 49418	Web

09/28/2017	Yes	Checking or savings account Other banking product or service	Managing an account Problem using a debit or ATM card	VA 22201	Referral

09/21/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 92648	Referral

09/13/2017	Yes	Checking or savings account Other banking product or service	Problem caused by your funds being low Late or other fees	NY 14870	Referral

09/10/2017	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 90048	Web

09/05/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 43206	Web

08/31/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	OR 97233	Referral

08/30/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with cash advance	XXXXX	Web

08/03/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	XXXXX	Referral

07/24/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 94010	Web

07/07/2017	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	CT 06511	Postal mail

06/02/2017	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	OH 44087	Referral

05/17/2017	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	TX 75010	Referral

05/08/2017	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	VA 23113	Referral

05/01/2017	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	TX 76106	Web

04/20/2017	Yes	Money transfers Domestic (US) money transfer	Money was not available when promised	TX 77479	Referral

02/13/2017	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	XXXXX	Referral

02/06/2017	Yes	Bank account or service Other bank product/service	Problems caused by my funds being low	NY 10573	Web

01/26/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NY 10956	Postal mail

01/18/2017	Yes	Bank account or service Checking account	Deposits and withdrawals	AZ 85226	Referral

01/13/2017	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	XXXXX	Referral

11/16/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	GA 30058	Web

11/16/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	CA 91326	Referral

11/09/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	AR 72401	Referral

11/09/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	NJ 07039	Referral

11/07/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NV 89132	Referral

10/24/2016	Yes	Mortgage Other mortgage	Settlement process and costs	PA 15301	Phone	Older American

10/19/2016	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	CA 92039	Web

10/13/2016	Yes	Bank account or service Savings account	Deposits and withdrawals	FL 34731	Referral

10/06/2016	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	CA 90211	Referral

10/03/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NY 13903	Referral

09/22/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	CA 95945	Web

09/16/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00692	Referral

09/14/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NV 89502	Referral

08/02/2016	Yes	Bank account or service Savings account	Account opening, closing, or management	VA 22314	Phone

07/29/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NY 10024	Web

07/21/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	NY 10128	Postal mail

06/15/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	NC 28328	Phone	Older American

06/10/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	AA 98087	Phone	Older American, Servicemember

05/26/2016	Yes	Money transfers Domestic (US) money transfer	Other transaction issues	TX 77019	Referral

05/19/2016	Yes	Bank account or service Savings account	Account opening, closing, or management	NY 10940	Referral	Older American

05/17/2016	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	OH 45833	Web

05/16/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	WI 54016	Web

05/05/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	GA 30041	Referral

04/25/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	CO 80516	Referral

04/14/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	WI 53051	Referral

04/11/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 94122	Web

03/18/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CO 80921	Web	Older American

02/19/2016	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management		Referral

02/17/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	FL 34145	Referral

01/15/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 92660	Referral

01/04/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	IN 46012	Phone	Servicemember

12/18/2015	Yes	Money transfers Domestic (US) money transfer	Wrong amount charged or received	KS 66614	Web

12/14/2015	No	Bank account or service Checking account	Deposits and withdrawals	CA 95823	Referral

11/06/2015	Yes	Bank account or service Savings account	Account opening, closing, or management	MD 21403	Referral	Older American, Servicemember

10/28/2015	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	PA 19149	Referral

10/26/2015	Yes	Bank account or service Savings account	Account opening, closing, or management	DE 19966	Phone	Servicemember

09/15/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	NY 10011	Postal mail

08/26/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	CT 06517	Referral

07/27/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CO 80915	Postal mail	Older American, Servicemember

07/14/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 32158	Postal mail

06/23/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	WA 98007	Referral

05/29/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NJ 07032	Referral

05/14/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MD 21227	Referral

04/20/2015	Yes	Bank account or service Savings account	Account opening, closing, or management	FL 34212	Referral

04/07/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	FL 33071	Web

03/24/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	VA 23188	Referral

03/10/2015	Yes	Bank account or service Checking account	Using a debit or ATM card	AZ 85016	Fax

03/05/2015	Yes	Bank account or service Savings account	Account opening, closing, or management	NY 11421	Referral

02/26/2015	Yes	Bank account or service Savings account	Deposits and withdrawals	NC 28205	Referral

02/22/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NC 28104	Web

02/11/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	NY 10011	Referral

01/13/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MA 02760	Phone

12/19/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	OR 97132	Referral

12/01/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	DE 19709	Phone

11/18/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	LA 70809	Web

11/18/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	KY 40475	Web	Older American

10/29/2014	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	MI 49512	Web

10/07/2014	Yes	Bank account or service Checking account	Using a debit or ATM card	CA 94109	Web

09/11/2014	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	NM 88005	Web	Older American

08/13/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	XXXXX	Referral

07/18/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NJ 07102	Web	Older American

07/17/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	FL 33983	Referral

07/15/2014	Yes	Bank account or service Checking account	Making/receiving payments, sending money	MI 48813	Referral

06/21/2014	Yes	Bank account or service Savings account	Making/receiving payments, sending money	VA 20111	Web

06/10/2014	Yes	Bank account or service Checking account	Problems caused by my funds being low	IL 60613	Web

06/03/2014	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	VA 22044	Web

06/03/2014	Yes	Bank account or service Checking account	Deposits and withdrawals		Referral

04/30/2014	Yes	Bank account or service Savings account	Account opening, closing, or management	CA 92253	Phone

04/23/2014	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	OH 43074	Web	Servicemember

04/22/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	NY 10471	Referral

04/21/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	PA 17603	Web

04/12/2014	Yes	Bank account or service Savings account	Deposits and withdrawals	FL 32940	Web

04/11/2014	Yes	Money transfers International money transfer	Wrong amount charged or received	MA 02421	Web	Older American

04/08/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	IN 46259	Referral

03/26/2014	Yes	Bank account or service Savings account	Problems caused by my funds being low	NJ 08879	Referral

03/23/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NC 28104	Web

03/14/2014	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	AR 85737	Referral

03/12/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MA 02719	Referral

02/26/2014	Yes	Bank account or service Savings account	Deposits and withdrawals	CA 91780	Web

02/22/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	OH 44039	Web

02/22/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	NJ 07730	Web

02/20/2014	Yes	Bank account or service Savings account	Account opening, closing, or management	PA 15221	Referral

02/19/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	WA 98122	Web	Older American

02/10/2014	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	MA 02532	Web

02/09/2014	Yes	Credit card	Credit card protection / Debt protection	MD 21207	Web	Servicemember

01/27/2014	Yes	Money transfers International money transfer	Other transaction issues	CA 94701	Referral

01/17/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MA 02127	Referral

12/10/2013	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	DC 20009	Web

11/22/2013	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NY 10010	Referral

11/05/2013	Yes	Credit card	Closing/Cancelling account	GA 30607	Web

11/04/2013	Yes	Bank account or service Savings account	Account opening, closing, or management	MI 49015	Referral

10/30/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	CT 06511	Referral

10/25/2013	Yes	Credit card	Unsolicited issuance of credit card	VA 20147	Web

10/17/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	MD 21044	Referral

09/27/2013	Yes	Bank account or service Checking account	Problems caused by my funds being low	VA 22182	Web

09/26/2013	Yes	Bank account or service Savings account	Account opening, closing, or management	CA 92276	Web

09/14/2013	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	NC 27410	Web	Older American

08/28/2013	Yes	Bank account or service (CD) Certificate of deposit	Deposits and withdrawals	PA 19121	Referral

08/27/2013	Yes	Bank account or service Savings account	Account opening, closing, or management	CT 06450	Referral

08/16/2013	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MA 02779	Referral

08/07/2013	Yes	Bank account or service Checking account	Using a debit or ATM card	CA 94131	Web

08/06/2013	Yes	Bank account or service Checking account	Making/receiving payments, sending money	MN 55441	Web

08/06/2013	Yes	Bank account or service Cashing a check without an account	Deposits and withdrawals	IL 60632	Web

07/26/2013	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	AZ 85028	Web

07/25/2013	Yes	Bank account or service Savings account	Account opening, closing, or management	WI 53218	Referral

07/17/2013	Yes	Bank account or service Savings account	Deposits and withdrawals	TX 75074	Web

07/12/2013	Yes	Money transfers International money transfer	Other service issues	WA 98665	Referral

07/10/2013	Yes	Bank account or service Savings account	Deposits and withdrawals	GA 30024	Web

07/09/2013	Yes	Bank account or service Checking account	Using a debit or ATM card	CT 06878	Web	Older American

06/27/2013	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	IA 50014	Web

06/11/2013	Yes	Bank account or service Checking account	Using a debit or ATM card	NY 10075	Referral

06/10/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	MS 39042	Referral

05/15/2013	Yes	Bank account or service Savings account	Making/receiving payments, sending money	VA 27103	Referral

04/27/2013	Yes	Bank account or service Savings account	Deposits and withdrawals	DC 20002	Web

04/26/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	PA 19142	Postal mail	Older American

04/16/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	NY 10023	Referral

03/28/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	CA 90014	Web

03/26/2013	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	NC 28226	Web

03/08/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	OR 97526	Referral

03/06/2013	Yes	Bank account or service Savings account	Deposits and withdrawals	NH 03307	Referral

02/27/2013	Yes	Bank account or service Savings account	Problems caused by my funds being low	NC 28226	Web

02/13/2013	Yes	Bank account or service Savings account	Using a debit or ATM card	MI 49024	Web

01/09/2013	Yes	Bank account or service Checking account	Problems caused by my funds being low	NC 27705	Web

01/09/2013	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	OH 43123	Referral

12/26/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	OH 45002	Referral

12/14/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	IN 46168	Web

11/20/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	NH 03873	Web

11/12/2012	Yes	Bank account or service Savings account	Account opening, closing, or management	NY 11210	Web

11/09/2012	Yes	Bank account or service Savings account	Using a debit or ATM card	MI 49024	Postal mail

10/18/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	MI 48187	Referral

10/12/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	PA 19440	Referral

10/12/2012	Yes	Bank account or service Checking account	Making/receiving payments, sending money	CA 94551	Referral

10/11/2012	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NY 10801	Web

10/03/2012	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	MA 02120	Referral

09/14/2012	Yes	Bank account or service Checking account	Making/receiving payments, sending money	TN 37069	Web

09/13/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	PA 19107	Referral

09/05/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	OH 43123	Referral

09/05/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	IL 60447	Referral

08/27/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	OH 43123	Referral

08/27/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	OH 43123	Referral

08/17/2012	Yes	Credit card	Identity theft / Fraud / Embezzlement	OH 45150	Web

08/08/2012	Yes	Bank account or service (CD) Certificate of deposit	Deposits and withdrawals	VA 22314	Referral

07/26/2012	Yes	Bank account or service Savings account	Account opening, closing, or management	NY 10603	Referral

07/26/2012	Yes	Bank account or service Other bank product/service	Account opening, closing, or management		Referral

07/10/2012	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NJ 08736	Referral

07/04/2012	Yes	Bank account or service (CD) Certificate of deposit	Deposits and withdrawals	WI 54914	Web

06/26/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	PA 19133	Phone	Servicemember

06/21/2012	Yes	Bank account or service Savings account	Deposits and withdrawals	WI 53150	Referral

06/15/2012	Yes	Bank account or service Savings account	Deposits and withdrawals	LA 71327	Referral

06/13/2012	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NY 10116	Referral

06/04/2012	Yes	Bank account or service (CD) Certificate of deposit	Deposits and withdrawals	GA 30736	Referral

05/31/2012	Yes	Mortgage Home equity loan or line of credit	Settlement process and costs	PA 15632	Referral

05/30/2012	Yes	Bank account or service Savings account	Making/receiving payments, sending money	CA 92024	Web

05/16/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	MI 48306	Web

05/15/2012	Yes	Bank account or service Checking account	Making/receiving payments, sending money	PA 19341	Referral

05/08/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	CA 94087	Referral

04/09/2012	Yes	Bank account or service Savings account	Deposits and withdrawals	DE 19943	Phone

04/04/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 77008	Referral

03/29/2012	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MA 02719	Referral

03/26/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	NH 03825	Referral

03/07/2012	Yes	Bank account or service Savings account	Making/receiving payments, sending money	CT 06073	Referral

01/30/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 10069	Referral

01/16/2012	Yes	Credit card	Transaction issue	WA 98144	Web

12/08/2011	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 85326	Referral